The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
WISDOMTREE TR INTL SMCAP DIV 97717W760 71,557 854 SH DFND 854 0 0
BANK NOVA SCOTIA B C COM 064149107 2,171 25 SH DFND 25 0 0
ONEOK INC NEW COM 682680103 456,087 5,246 SH DFND 5,246 0 0
BOX INC CL A 10316T104 1,088 41 SH DFND 41 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 723,018 3,659 SH DFND 3,659 0 0
MICROSOFT CORP COM 594918104 11,080,932 29,706 SH DFND 29,706 0 0
ISHARES INC MSCI EMRG CHN 46434G764 548,226 5,359 SH DFND 5,359 0 0
RESMED INC COM 761152107 29,037 149 SH DFND 149 0 0
VANGUARD WORLD FD COMM SRVC ETF 92204A884 58,128 316 SH DFND 316 0 0
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 20,952 254 SH DFND 254 0 0
FREEPORT MCMORAN INC CL B 35671D857 23,710 377 SH DFND 377 0 0
HOME DEPOT INC COM 437076102 3,177,999 9,011 SH DFND 9,011 0 0
FIRST TR EXCHNG TRADED FD VI FT ENER INCO ETF 33740F276 55,845 2,557 SH DFND 2,557 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,246,550 3 SH DFND 3 0 0
DOW HLDGS INC COM 260557103 47,059 1,720 SH DFND 1,720 0 0
CDW CORP COM 12514G108 2,250 16 SH DFND 16 0 0
SPDR SERIES TRUST ST STR P500GRW 78464A409 1,057,821 8,890 SH DFND 8,890 0 0
SHELL PLC SPON ADS 780259305 253,711 3,272 SH DFND 3,272 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 146,039 294 SH DFND 294 0 0
AUTOLIV INC COM 052800109 9,642 83 SH DFND 83 0 0
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 3,337,402 23,275 SH DFND 23,275 0 0
COHERENT CORP COM 19247G107 31,952 81 SH DFND 81 0 0
CROWN HLDGS INC COM 228368106 3,690 33 SH DFND 33 0 0
WYNDHAM HOTELS & RESORTS INC COM 98311A105 1,937 23 SH DFND 23 0 0
CORTEVA INC COM 22052L104 197,751 2,335 SH DFND 2,335 0 0
VANGUARD WORLD FD MEGA GRWTH IND 921910816 3,464,973 39,415 SH DFND 39,415 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 195,194 193 SH DFND 193 0 0
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 9,903 72 SH DFND 72 0 0
CHARTER COMMUNICATIONS INC CL A 16119P108 4,551 32 SH DFND 32 0 0
ISHARES TR RUS MD CP GR ETF 464287481 3,671,377 25,076 SH DFND 25,076 0 0
LIBERTY GLOBAL LTD COM CL A G61188101 773 68 SH DFND 68 0 0
LOCKHEED MARTIN CORP COM 539830109 144,687 284 SH DFND 284 0 0
EBAY INC. COM 278642103 12,963 116 SH DFND 116 0 0
ONE GAS INC COM 68235P108 154,140 2,000 SH DFND 2,000 0 0
VIATRIS INC COM 92556V106 6,622 417 SH DFND 417 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 217,894 993 SH DFND 993 0 0
MONGODB INC CL A 60937P106 31,239 93 SH DFND 93 0 0
QORVO INC COM 74736K101 1,865 20 SH DFND 20 0 0
ASML HLDG NV N Y REGISTRY SHS N07059210 364,068 183 SH DFND 183 0 0
AMERICAN TOWER CORP COM 03027X100 630,562 3,855 SH DFND 3,855 0 0
ENBRIDGE INC COM 29250N105 85,869 1,584 SH DFND 1,584 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 137,590 1,521 SH DFND 1,521 0 0
UNITY SOFTWARE INC COM 91332U101 3,401 119 SH DFND 119 0 0
US BANCORP COM NEW 902973304 77,131 1,277 SH DFND 1,277 0 0
ISHARES TR MSCI USA MMENTM 46432F396 32,569 95 SH DFND 95 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 39,343 794 SH DFND 794 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 34,043 160 SH DFND 160 0 0
AMERIPRISE FINL INC COM 03076C106 3,106,264 6,771 SH DFND 6,771 0 0
VANECK ETF TRUST JUNIOR GOLD MINE 92189F791 432,300 4,400 SH DFND 4,400 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 268,832 676 SH DFND 676 0 0
ISHARES TR CORE S&P SCP ETF 464287804 4,364,022 29,425 SH DFND 29,425 0 0
AGNICO EAGLE MINES LTD COM 008474108 4,809,030 31,000 SH DFND 31,000 0 0
AMGEN INC COM 031162100 1,554,581 4,293 SH DFND 4,293 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US L 808524771 1,170,697 37,643 SH DFND 37,643 0 0
MARSH & MCLENNAN COS INC COM 571748102 667,347 4,004 SH DFND 4,004 0 0
EXPEDIA GROUP INC COM NEW 30212P303 2,303 9 SH DFND 9 0 0
ISHARES TR EXPANDED TECH 464287515 38,505 425 SH DFND 425 0 0
CHUBB LIMITED COM H1467J104 390,488 1,146 SH DFND 1,146 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 101,794 1,994 SH DFND 1,994 0 0
ROCKWELL AUTOMATION INC COM 773903109 17,823 36 SH DFND 36 0 0
SANOFI SA SPONSORED ADR 80105N105 1,067 25 SH DFND 25 0 0
QUANTA SVCS INC COM 74762E102 168,489 234 SH DFND 234 0 0
DOMINION ENERGY INC COM 25746U109 29,296 429 SH DFND 429 0 0
JD.COM INC SPON ADS CL A 47215P106 1,274 50 SH DFND 50 0 0
HALLIBURTON CO COM 406216101 7,265 214 SH DFND 214 0 0
AIR PRODUCTS AND CHEMICALS I COM 009158106 74,761 255 SH DFND 255 0 0
SPDR INDEX SHS FDS ST S&P INTL ETF 78463X772 117,105 2,548 SH DFND 2,548 0 0
NEXTERA ENERGY INC COM 65339F101 1,158,388 13,198 SH DFND 13,198 0 0
IDEXX LABS INC COM 45168D104 105,814 201 SH DFND 201 0 0
EAGLE MATLS INC COM 26969P108 19,350 86 SH DFND 86 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 15,626 1,331 SH DFND 1,331 0 0
TAKE-TWO INTERACTIVE SOFTWAR COM 874054109 10,249 41 SH DFND 41 0 0
FIRSTENERGY CORP COM 337932107 3,470 73 SH DFND 73 0 0
LENNAR CORP CL A 526057104 16,379 181 SH DFND 181 0 0
DIAMONDBACK ENERGY INC COM 25278X109 108,984 620 SH DFND 620 0 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 4,805,509 54,275 SH DFND 54,275 0 0
STRYKER CORPORATION COM 863667101 517,912 1,645 SH DFND 1,645 0 0
BARRICK MNG CORP COM SHS 06849F108 1,028,440 28,000 SH DFND 28,000 0 0
CHENIERE ENERGY INC COM NEW 16411R208 15,058 63 SH DFND 63 0 0
CSX CORP COM 126408103 153,617 3,232 SH DFND 3,232 0 0
ISHARES TR CORE US AGGBD ET 464287226 61,170 618 SH DFND 618 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 18,574 386 SH DFND 386 0 0
GE VERNOVA INC COM 36828A101 3,343,652 2,846 SH DFND 2,846 0 0
TOTALENERGIES SE ACT F92124100 6,687 86 SH DFND 86 0 0
SBA COMMUNICATIONS CORP CL A 78410G104 12,705 72 SH DFND 72 0 0
SALESFORCE INC COM 79466L302 228,254 1,457 SH DFND 1,457 0 0
ALARM COM HLDGS INC COM 011642105 1,168 25 SH DFND 25 0 0
ADVANCED MICRO DEVICES INC COM 007903107 3,249,611 5,594 SH DFND 5,594 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 2,560,188 15,554 SH DFND 15,554 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 16,150 417 SH DFND 417 0 0
ISHARES TR INTL SEL DIV ETF 464288448 58,002 1,400 SH DFND 1,400 0 0
RIO TINTO PLC SPONSORED ADR 767204100 1,424 15 SH DFND 15 0 0
TRICO BANCSHARES COM 896095106 808 15 SH DFND 15 0 0
PHILIP MORRIS INTL INC COM 718172109 2,886,238 15,954 SH DFND 15,954 0 0
SYLVAMO CORP COMMON STOCK 871332102 378 10 SH DFND 10 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 74 2 SH DFND 2 0 0
MARRIOTT INTL INC NEW CL A 571903202 239,772 647 SH DFND 647 0 0
VALVOLINE INC COM 92047W101 5,377 136 SH DFND 136 0 0
MICRON TECHNOLOGY INC COM 595112103 280,492 243 SH DFND 243 0 0
WILLIAMS COS INC COM 969457100 86,829 1,168 SH DFND 1,168 0 0
DXC TECHNOLOGY CO COM 23355L106 602 68 SH DFND 68 0 0
ISHARES TR US TREAS BD ETF 46429B267 111,189 4,881 SH DFND 4,881 0 0
BATH & BODY WORKS INC COM 070830104 11,241 486 SH DFND 486 0 0
S&P GLOBAL INC COM 78409V104 18,050,578 44,322 SH DFND 44,322 0 0
LABCORP HOLDINGS INC COM SHS 504922105 133,560 477 SH DFND 477 0 0
GUARDANT HEALTH INC COM 40131M109 7,952 53 SH DFND 53 0 0
CARNIVAL CORP LTD COMMON SHARES G2004J103 4,257 149 SH DFND 149 0 0
BHP BILLITON LIMITED SPONSORED ADS 088606108 30,075 361 SH DFND 361 0 0
WISE GROUP PLC ORD SHS CLASS A G9723Y105 83,430 7,005 SH DFND 7,005 0 0
WSFS FINL CORP COM 929328102 9,208 120 SH DFND 120 0 0
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 1,904,753 14,607 SH DFND 14,607 0 0
PNC FINL SVCS GROUP INC COM 693475105 743,584 3,020 SH DFND 3,020 0 0
ISHARES GOLD TR ISHARES NEW 464285204 82,985 1,099 SH DFND 1,099 0 0
GENERAL MTRS CO COM 37045V100 77,928 1,011 SH DFND 1,011 0 0
PUTNAM ETF TRUST FOCUSED LAR CAP 746729300 66,235 1,300 SH DFND 1,300 0 0
ATMOS ENERGY CORP COM 049560105 99,917 580 SH DFND 580 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 659,379 22,405 SH DFND 22,405 0 0
FLUENT INC COM NEW 34380C201 1 0 SH DFND 0 0 0
NUTANIX INC CL A 67059N108 2,548 50 SH DFND 50 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 343,342 12,395 SH DFND 12,395 0 0
MOODYS CORP COM 615369105 31,704 70 SH DFND 70 0 0
NRG ENERGY INC COM NEW 629377508 20,887 143 SH DFND 143 0 0
MARTIN MARIETTA MATLS INC COM 573284106 201,845 350 SH DFND 350 0 0
PLANET LABS PBC COM CL A 72703X106 2,385 72 SH DFND 72 0 0
VANGUARD WORLD FD UTILITIES ETF 92204A876 14,875 76 SH DFND 76 0 0
FOX CORP CL A COM 35137L105 3,234 62 SH DFND 62 0 0
CLOUDFLARE INC CL A COM 18915M107 3,434 14 SH DFND 14 0 0
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 313,334 1,917 SH DFND 1,917 0 0
ISHARES TR EAFE SML CP ETF 464288273 61,703 750 SH DFND 750 0 0
FORTREA HLDGS INC COMMON STOCK 34965K107 5,255 302 SH DFND 302 0 0
VANGUARD MUN BD FDS INTERMEDIATE TRM 922907738 1,373,798 13,606 SH DFND 13,606 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 42,615 444 SH DFND 444 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 304,156 993 SH DFND 993 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,210,652 17,697 SH DFND 17,697 0 0
KEYCORP COM 493267108 10,534 457 SH DFND 457 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 5,707 47 SH DFND 47 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 849,188 2,840 SH DFND 2,840 0 0
LEIDOS HOLDINGS INC COM 525327102 824 8 SH DFND 8 0 0
AON PLC SHS CL A G0403H108 201,668 608 SH DFND 608 0 0
DUPONT DE NEMOURS INC COMMON STOCK 26614N201 89,522 660 SH DFND 660 0 0
TD SYNNEX CORPORATION COM 87162W100 6,951 26 SH DFND 26 0 0
ISHARES TR NATIONAL MUN ETF 464288414 1,010,121 9,386 SH DFND 9,386 0 0
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 9,612 212 SH DFND 212 0 0
ISHARES TR SELECT US REIT 464287564 608,670 9,000 SH DFND 9,000 0 0
OREILLY AUTOMOTIVE INC COM 67103H107 17,958 195 SH DFND 195 0 0
CAMECO CORP COM 13321L108 142,197 1,396 SH DFND 1,396 0 0
HP INC COM 40434L105 17,552 800 SH DFND 800 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1500 46137V597 103,453 1,855 SH DFND 1,855 0 0
CELANESE CORP DEL COM 150870103 3,542 77 SH DFND 77 0 0
MANULIFE FINL CORP COM 56501R106 93,781 2,315 SH DFND 2,315 0 0
INVESCO EXCHANGE TRADED FD T RAFI US 1000 ETF 46137V613 102,657 1,900 SH DFND 1,900 0 0
ULTA BEAUTY INC COM 90384S303 258,412 573 SH DFND 573 0 0
GLOBAL PMTS INC COM 37940X102 71,544 986 SH DFND 986 0 0
NCR ATLEOS CORPORATION COM SHS 63001N106 998 23 SH DFND 23 0 0
LAMAR ADVERTISING CO CL A 512816109 49,758 319 SH DFND 319 0 0
HOULIHAN LOKEY INC CL A 441593100 34,874 260 SH DFND 260 0 0
IQVIA HLDGS INC COM 46266C105 2,319 12 SH DFND 12 0 0
RAYMOND JAMES FINL INC COM 754730109 6,841 45 SH DFND 45 0 0
VANGUARD CALIF TAX FREE FDS TAX EXEMPT BD FD 922021605 706,514 7,023 SH DFND 7,023 0 0
VANGUARD MALVERN FDS CORE BD ETF 922020748 502,167 6,502 SH DFND 6,502 0 0
BRAZE INC COM CL A 10576N102 3,145 145 SH DFND 145 0 0
ATLANTA BRAVES HLDGS INC COM SER A 047726104 394 7 SH DFND 7 0 0
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101 3,768,623 30,530 SH DFND 30,530 0 0
CHURCHILL DOWNS INC COM 171484108 254,936 2,844 SH DFND 2,844 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 502,868 6,363 SH DFND 6,363 0 0
VANGUARD WORLD FD ENERGY ETF 92204A306 430,423 2,867 SH DFND 2,867 0 0
GLOBANT S A COM L44385109 781 27 SH DFND 27 0 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 195,324 3,190 SH DFND 3,190 0 0
ETFS GOLD TR PHYSCL GOLD SHS 00326A104 64,991 1,700 SH DFND 1,700 0 0
ASTRAZENECA PLC ORD G0593M107 94,052 496 SH DFND 496 0 0
GLOBAL E ONLINE LTD SHS M5216V106 4,202 121 SH DFND 121 0 0
GOODYEAR TIRE & RUBR CO COM 382550101 44,101 6,682 SH DFND 6,682 0 0
RELIANCE INC COM 759509102 22,790 61 SH DFND 61 0 0
IMMUNOME INC COM 45257U108 1,335 63 SH DFND 63 0 0
BIONTECH SE SPONSORED ADS 09075V102 5,676 61 SH DFND 61 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 230,349 6,807 SH DFND 6,807 0 0
MODERNA INC COM 60770K107 6,863 98 SH DFND 98 0 0
ATI INC COM 01741R102 162,213 823 SH DFND 823 0 0
DBX ETF TR XTRACK MSCI EAFE 233051200 285,223 5,221 SH DFND 5,221 0 0
ATLASSIAN CORPORATION CL A 049468101 9,024 116 SH DFND 116 0 0
SOLSTICE ADVANCED MATLS INC COM SHS 83443Q103 51,299 579 SH DFND 579 0 0
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 3,626,421 5,156 SH DFND 5,156 0 0
STARZ ENTERTAINMENT CORP. COM 855919106 87 3 SH DFND 3 0 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 19,729,184 390,059 SH DFND 390,059 0 0
BARINGS CORPORATE INVS COM 06759X107 528,556 30,100 SH DFND 30,100 0 0
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402 29,560 1,000 SH DFND 1,000 0 0
KROGER CO COM 501044101 985,102 17,740 SH DFND 17,740 0 0
MIDDLEBY CORP COM 596278101 10,321 60 SH DFND 60 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 500,600,473 1,352,828 SH DFND 1,352,828 0 0
AMPHENOL CORP CL A 032095101 533,368 3,025 SH DFND 3,025 0 0
MEDTRONIC PLC SHS G5960L103 321,682 4,112 SH DFND 4,112 0 0
MONSTER BEVERAGE CORP NEW COM 61174X109 293,550 3,054 SH DFND 3,054 0 0
CITIGROUP INC COM NEW 172967424 71,660 512 SH DFND 512 0 0
ILLINOIS TOOL WKS INC COM 452308109 448,169 1,657 SH DFND 1,657 0 0
GENERAL MILLS INC COM 370334104 51,748 1,487 SH DFND 1,487 0 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 2,929,904 35,583 SH DFND 35,583 0 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 71,334 765 SH DFND 765 0 0
VERSANT MEDIA GROUP INC COM CL A 925283103 5,690 158 SH DFND 158 0 0
VONTIER CORPORATION COM 928881101 4,408 152 SH DFND 152 0 0
DOORDASH INC CL A 25809K105 3,875 21 SH DFND 21 0 0
ELEVANCE HEALTH INC FORMERLY COM 036752103 65,744 170 SH DFND 170 0 0
CONSTELLATION BRANDS INC CL A 21036P108 11,127 80 SH DFND 80 0 0
AMPHASTAR PHARMACEUTICALS IN COM 03209R103 17,879 886 SH DFND 886 0 0
SCHWAB CHARLES CORP COM 808513105 206,039 2,233 SH DFND 2,233 0 0
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 1,524,606 17,092 SH DFND 17,092 0 0
WALMART INC COM 931142103 849,223 7,498 SH DFND 7,498 0 0
IRON MTN INC DEL COM 46284V101 265,251 2,100 SH DFND 2,100 0 0
PINTEREST INC CL A 72352L106 3,912 186 SH DFND 186 0 0
NUVEEN AMT FREE MUN CR INC F COM 67071L106 45,504 3,555 SH DFND 3,555 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,557,215 45,658 SH DFND 45,658 0 0
NBT BANCORP INC COM 628778102 6,418 130 SH DFND 130 0 0
RPC INC COM 749660106 23,897 4,099 SH DFND 4,099 0 0
DOLLAR TREE INC COM 256746108 24,069 199 SH DFND 199 0 0
TWIST BIOSCIENCE CORP COM 90184D100 19,753 192 SH DFND 192 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 2,458,768 7,259 SH DFND 7,259 0 0
ISHARES TR CORE HIGH DV ETF 46429B663 24,669 900 SH DFND 900 0 0
JOHNSON CONTROLS INTERNATION SHS G51502105 177,816 1,217 SH DFND 1,217 0 0
ATLANTA BRAVES HLDGS INC COM SER C 047726302 986 19 SH DFND 19 0 0
AFFILIATED MANAGERS GROUP COM 008252108 158,033 467 SH DFND 467 0 0
NATERA INC COM 632307104 4,343 16 SH DFND 16 0 0
ARROW ELECTRS INC COM 042735100 8,536 40 SH DFND 40 0 0
SPDR GOLD TR GOLD SHS 78463V107 69,255 188 SH DFND 188 0 0
ISHARES TR GLOBAL TECH ETF 464287291 86,688 600 SH DFND 600 0 0
BP PLC SPONSORED ADR 055622104 26,567 719 SH DFND 719 0 0
TJX COS INC NEW COM 872540109 356,025 2,350 SH DFND 2,350 0 0
EMERSON ELEC CO COM 291011104 854,892 5,972 SH DFND 5,972 0 0
FASTLY INC CL A 31188V100 4,627 252 SH DFND 252 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,143,366 31,036 SH DFND 31,036 0 0
WELLS FARGO & CO COM 949746101 607,735 7,354 SH DFND 7,354 0 0
INVESCO EXCH TRADED FD TR II RAFI DVLPD MRKTS 46138E743 1,056,766 13,971 SH DFND 13,971 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 881,593 3,135 SH DFND 3,135 0 0
CARVANA CO CL A 146869102 658 10 SH DFND 10 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 32,387 833 SH DFND 833 0 0
ISHARES TR RUSEL 2500 ETF 46435G268 39,676 433 SH DFND 433 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 1,889 23 SH DFND 23 0 0
PALO ALTO NETWORKS INC COM 697435105 472,654 1,386 SH DFND 1,386 0 0
DELTA AIR LINES INC COM NEW 247361702 18,919 202 SH DFND 202 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 5,748,900 23,659 SH DFND 23,659 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 30,456 87 SH DFND 87 0 0
VANGUARD WORLD FD INDUSTRIAL ETF 92204A603 68,112 189 SH DFND 189 0 0
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E198 1,791 27 SH DFND 27 0 0
BLACKROCK INC COM 09290D101 213,466 222 SH DFND 222 0 0
UNITED AIRLS HLDGS INC COM 910047109 1,768 13 SH DFND 13 0 0
M & T BK CORP COM 55261F104 7,854 33 SH DFND 33 0 0
INNOSPEC INC COM 45768S105 23,603 290 SH DFND 290 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 36,755 163 SH DFND 163 0 0
J P MORGAN EXCHANGE TRADED F BETA DEVE EX ETF 46641Q233 1,497 25 SH DFND 25 0 0
ZOOM COMMUNICATIONS INC CL A 98980L101 6,042 70 SH DFND 70 0 0
LEMONADE INC COM 52567D107 2,927 45 SH DFND 45 0 0
PEPSICO INC COM 713448108 1,938,116 14,314 SH DFND 14,314 0 0
CARLISLE COS INC COM 142339100 132,404 365 SH DFND 365 0 0
SLB LIMITED COM STK 806857108 486,564 10,466 SH DFND 10,466 0 0
DIGITAL RLTY TR INC COM 253868103 11,493 64 SH DFND 64 0 0
FEDEX FGHT HLDG CO INC COMMON STOCK 314352105 18,422 122 SH DFND 122 0 0
AMERICAN ELEC PWR CO INC COM 025537101 87,285 638 SH DFND 638 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 18,464,055 188,025 SH DFND 188,025 0 0
ISHARES TR SP SMCP600VL ETF 464287879 76,267 558 SH DFND 558 0 0
KONINKLIJKE PHILIPS N V NY REGIS SHS NEW 500472303 4,378 161 SH DFND 161 0 0
INTELLIA THERAPEUTICS INC COM 45826J105 10,101 597 SH DFND 597 0 0
FIRST MAJESTIC SILVER CORP COM 32076V103 474,880 28,000 SH DFND 28,000 0 0
CUMMINS INC COM 231021106 373,009 523 SH DFND 523 0 0
TE CONNECTIVITY PLC ORD SHS G87052109 1,613 8 SH DFND 8 0 0
PAYPAL HLDGS INC COM 70450Y103 43,525 1,008 SH DFND 1,008 0 0
ROYAL BK CDA COM 780087102 2,898 14 SH DFND 14 0 0
CNH INDL N V SHS N20944109 13,622 1,213 SH DFND 1,213 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,361 47 SH DFND 47 0 0
THOMSON REUTERS CORP COM 884903881 50,880 623 SH DFND 623 0 0
CANADIAN NAT RES LTD MED TER COM 136385101 27,571 698 SH DFND 698 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 725,969 1,448 SH DFND 1,448 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 718,303 5,245 SH DFND 5,245 0 0
REGENCY CTRS CORP COM 758849103 8,373 105 SH DFND 105 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 14,337 328 SH DFND 328 0 0
TERADATA CORP DEL COM 88076W103 1,594 46 SH DFND 46 0 0
FLAGSTAR BANK NATIONAL ASSOC COM NEW 649445400 6,753 452 SH DFND 452 0 0
WISDOMTREE TR EMG MKTS SMCAP 97717W281 36,043 557 SH DFND 557 0 0
HANCOCK JOHN FINL OPPTYS SH BEN INT NEW 409735206 114,909 2,915 SH DFND 2,915 0 0
FISERV INC COM 337738108 210,179 4,285 SH DFND 4,285 0 0
ARCH CAP GROUP LTD ORD G0450A105 23,294 240 SH DFND 240 0 0
VERTIV HOLDINGS CO COM CL A 92537N108 11,719 35 SH DFND 35 0 0
LIBERTY MEDIA CORP DEL COM LBTY ONE S C 531229755 18,077 190 SH DFND 190 0 0
NXP SEMICONDUCTORS N V COM N6596X109 454,988 1,619 SH DFND 1,619 0 0
ISHARES TR CRE U S REIT ETF 464288521 13,888 209 SH DFND 209 0 0
SELECT SECTOR SPDR TR ST STR MATER ETF 81369Y100 1,098,843 21,618 SH DFND 21,618 0 0
SYNCHRONY FINANCIAL COM 87165B103 22,815 300 SH DFND 300 0 0
AT&T INC COM 00206R102 497,794 24,048 SH DFND 24,048 0 0
SENSATA TECHNOLOGIES HLDG PL SHS G8060N102 4,249 89 SH DFND 89 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 43,416 881 SH DFND 881 0 0
TRAVELERS COMPANIES INC COM 89417E109 68,005 206 SH DFND 206 0 0
MATCH GROUP INC NEW COM 57667L107 3,653 96 SH DFND 96 0 0
RYMAN HOSPITALITY PPTYS INC COM 78377T107 8,999 70 SH DFND 70 0 0
NOKIA CORP SPONSORED ADR 654902204 13,439 1,012 SH DFND 1,012 0 0
CITIZENS FINL GROUP INC COM 174610105 21,091 301 SH DFND 301 0 0
BECTON DICKINSON & CO COM 075887109 908 6 SH DFND 6 0 0
STERLING INFRASTRUCTURE INC COM 859241101 314,760 375 SH DFND 375 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 6,044,562 17,576 SH DFND 17,576 0 0
SELECT SECTOR SPDR TR ST STR CARE ETF 81369Y209 103,764 654 SH DFND 654 0 0
VEEVA SYS INC CL A COM 922475108 184,924 1,042 SH DFND 1,042 0 0
MORGAN STANLEY INDIA INVT FD COM 61745C105 72,271 3,167 SH DFND 3,167 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 10,793,765 68,302 SH DFND 68,302 0 0
HONEYWELL INTL INC COM 438516205 313,572 1,401 SH DFND 1,401 0 0
BOSTON SCIENTIFIC CORP COM 101137107 17,798 417 SH DFND 417 0 0
WHEATON PRECIOUS METALS CORP COM 962879102 737,268 6,564 SH DFND 6,564 0 0
CINCINNATI FINL CORP COM 172062101 27,956 151 SH DFND 151 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 45,980,425 549,020 SH DFND 549,020 0 0
LINDE PLC SHS G54950103 148,936 287 SH DFND 287 0 0
SYNOPSYS INC COM 871607107 293,068 657 SH DFND 657 0 0
VANGUARD WORLD FD FINANCIALS ETF 92204A405 889,353 6,758 SH DFND 6,758 0 0
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 148,881 285 SH DFND 285 0 0
PACER FDS TR TRENDPILOT 100 69374H303 89 1 SH DFND 1 0 0
BLACKLINE INC COM 09239B109 7,972 284 SH DFND 284 0 0
MARVELL TECHNOLOGY INC COM 573874104 19,363 65 SH DFND 65 0 0
VERISK ANALYTICS INC COM 92345Y106 6,463 36 SH DFND 36 0 0
LIBERTY GLOBAL LTD COM CL C G61188127 2,244 204 SH DFND 204 0 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 17,000 500 SH DFND 500 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 19,749 128 SH DFND 128 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 18,041,089 114,948 SH DFND 114,948 0 0
VERALTO CORP COM SHS 92338C103 100,474 1,133 SH DFND 1,133 0 0
CVS HEALTH CORP COM 126650100 211,245 2,042 SH DFND 2,042 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 70,189 886 SH DFND 886 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 415,521 846 SH DFND 846 0 0
TOLL BROTHERS INC COM 889478103 112,030 680 SH DFND 680 0 0
CME GROUP INC COM 12572Q105 89,436 405 SH DFND 405 0 0
VANGUARD WORLD FD INF TECH ETF 92204A702 5,772,338 48,296 SH DFND 48,296 0 0
CORPAY INC COM SHS 219948106 10,998 33 SH DFND 33 0 0
ISHARES INC MSCI JAPAN ETF 46434G822 140,651 1,508 SH DFND 1,508 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 643,610 15,201 SH DFND 15,201 0 0
EXTRA SPACE STORAGE INC COM 30225T102 6,974 48 SH DFND 48 0 0
GENUINE PARTS CO COM 372460105 45,068 382 SH DFND 382 0 0
WASTE MGMT INC DEL COM 94106L109 299,551 1,344 SH DFND 1,344 0 0
SM ENERGY COMPANY COM 78454L100 17,096 655 SH DFND 655 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 647,741 5,068 SH DFND 5,068 0 0
SCHWAB STRATEGIC TR INTERNL DIVID 808524672 1,358,266 42,807 SH DFND 42,807 0 0
CATERPILLAR INC COM 149123101 915,814 860 SH DFND 860 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 108,389 4,490 SH DFND 4,490 0 0
REPUBLIC SVCS INC COM 760759100 26,422 124 SH DFND 124 0 0
WILLIS TOWERS WATSON PLC LTD SHS G96629103 15,159 58 SH DFND 58 0 0
INSMED INC COM PAR $.01 457669307 3,092 29 SH DFND 29 0 0
ELI LILLY & CO COM 532457108 5,969,563 4,977 SH DFND 4,977 0 0
CANADIAN NATL RY CO COM 136375102 212,843 1,785 SH DFND 1,785 0 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 94,271 227 SH DFND 227 0 0
GLOBAL X FDS GLOBAL X SILVER 37954Y848 426,030 5,500 SH DFND 5,500 0 0
ISHARES TR CHINA LG-CAP ETF 464287184 770,069 24,377 SH DFND 24,377 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 252,342 2,877 SH DFND 2,877 0 0
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 1,350,648 14,464 SH DFND 14,464 0 0
ADOBE INC COM 00724F101 779,486 3,802 SH DFND 3,802 0 0
TRANSUNION COM 89400J107 52,302 725 SH DFND 725 0 0
ABBVIE INC COM 00287Y109 9,506,959 37,780 SH DFND 37,780 0 0
F5 INC COM 315616102 18,718 45 SH DFND 45 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 207,517 1,726 SH DFND 1,726 0 0
STEEL DYNAMICS INC COM 858119100 2,065 9 SH DFND 9 0 0
INVESCO EXCH TRADED FD TR II RAFI EMRGNG MRKT 46138E727 33,289 1,194 SH DFND 1,194 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 103,631 158 SH DFND 158 0 0
SELECT SECTOR SPDR TR ST STR STAPL ETF 81369Y308 20,684 249 SH DFND 249 0 0
WYNN RESORTS LTD COM 983134107 2,136 22 SH DFND 22 0 0
MILLROSE PPTYS INC COM CL A 601137102 1,773 59 SH DFND 59 0 0
QNITY ELECTRONICS INC COMMON STOCK 74743L100 155,798 954 SH DFND 954 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 3,515,238 45,831 SH DFND 45,831 0 0
UBER TECHNOLOGIES INC COM 90353T100 6,350 88 SH DFND 88 0 0
BARINGS PARTN INVS SH BEN INT 06761A103 491,728 29,200 SH DFND 29,200 0 0
PERMIAN RESOURCES CORP CLASS A COM 71424F105 38,201 2,075 SH DFND 2,075 0 0
ORACLE CORP COM 68389X105 1,293,597 8,827 SH DFND 8,827 0 0
SHERWIN WILLIAMS CO COM 824348106 46,483 135 SH DFND 135 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 62,574,099 83,793 SH DFND 83,793 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 5,790,678 119,568 SH DFND 119,568 0 0
LIBERTY LATIN AMERICA LTD COM CL A G9001E102 86 11 SH DFND 11 0 0
ZSCALER INC COM 98980G102 9,175 65 SH DFND 65 0 0
ISHARES TR CORE S&P500 ETF 464287200 16,328,049 21,803 SH DFND 21,803 0 0
RANGE RES CORP COM 75281A109 14,504 390 SH DFND 390 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755 347,847 6,593 SH DFND 6,593 0 0
SOUTHERN CO COM 842587107 17,228 180 SH DFND 180 0 0
LUMEN TECHNOLOGIES INC COM 550241103 330 43 SH DFND 43 0 0
HSBC HLDGS PLC SPON ADR NEW 404280406 25,199 265 SH DFND 265 0 0
CROWN CASTLE INC COM 22822V101 10,072 133 SH DFND 133 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 71,281 579 SH DFND 579 0 0
PACCAR INC COM 693718108 49,730 414 SH DFND 414 0 0
PALANTIR TECHNOLOGIES INC CL A 69608A108 149,221 1,279 SH DFND 1,279 0 0
EASTMAN CHEM CO COM 277432100 7,502 112 SH DFND 112 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 84,699 3,177 SH DFND 3,177 0 0
XYLEM INC COM 98419M100 78,137 661 SH DFND 661 0 0
ABBOTT LABORATORIES COM 002824100 2,172,951 23,947 SH DFND 23,947 0 0
LITHIA MTRS INC COM 536797103 5,810 20 SH DFND 20 0 0
DANAHER CORP DEL COM 235851102 1,135,832 5,963 SH DFND 5,963 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 470,027 6,408 SH DFND 6,408 0 0
APPLIED MATLS INC COM 038222105 371,622 514 SH DFND 514 0 0
KINSALE CAP GROUP INC COM 49714P108 34,300 104 SH DFND 104 0 0
ISHARES TR GLB INFRASTR ETF 464288372 99,700 1,497 SH DFND 1,497 0 0
ISHARES TR U.S. REAL ES ETF 464287739 519,328 5,079 SH DFND 5,079 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 1,465,743 32,681 SH DFND 32,681 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 9,700 90 SH DFND 90 0 0
SPDR INDEX SHS FDS ST STR ACWI ETF 78463X848 8,134 200 SH DFND 200 0 0
SCHWAB STRATEGIC TR FUND EM EQUI ETF 808524730 41,069 1,035 SH DFND 1,035 0 0
ISHARES TR EAFE VALUE ETF 464288877 17,607 230 SH DFND 230 0 0
COPART INC COM 217204106 64,048 2,272 SH DFND 2,272 0 0
REGENERON PHARMACEUTICALS COM 75886F107 159,626 256 SH DFND 256 0 0
HILTON WORLDWIDE HLDGS INC COM 43300A203 21,149 64 SH DFND 64 0 0
ENCOMPASS HEALTH CORP COM 29261A100 10,512 104 SH DFND 104 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 2,181,290 31,645 SH DFND 31,645 0 0
ISHARES TR BROAD USD HIGH 46435U853 31,208 843 SH DFND 843 0 0
HECLA MINING COMPANY COM 422704106 617,200 40,000 SH DFND 40,000 0 0
CORNING INC COM 219350105 933,341 3,654 SH DFND 3,654 0 0
AMAZON COM INC COM 023135106 9,259,986 38,852 SH DFND 38,852 0 0
VERISIGN INC COM 92343E102 15,094 60 SH DFND 60 0 0
VANGUARD WORLD FD ESG US STK ETF 921910733 3,958,340 29,933 SH DFND 29,933 0 0
STATE STR CORP COM 857477103 126,013 743 SH DFND 743 0 0
KLA CORP COM NEW 482480100 766,343 2,540 SH DFND 2,540 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 48,625 1,064 SH DFND 1,064 0 0
ZOETIS INC CL A 98978V103 282,194 3,927 SH DFND 3,927 0 0
PPL CORP COM 69351T106 79,825 2,196 SH DFND 2,196 0 0
META PLATFORMS INC CL A 30303M102 1,110,808 1,972 SH DFND 1,972 0 0
APTIV PLC COM SHS G3265R107 1,043 17 SH DFND 17 0 0
RTX CORPORATION COM 75513E101 3,439,615 18,129 SH DFND 18,129 0 0
LIBERTY CAP CORP SER C GCI GROUP 36164V800 302 14 SH DFND 14 0 0
THE CIGNA GROUP COM 125523100 278,712 1,011 SH DFND 1,011 0 0
HUNTINGTON BANCSHARES INC COM 446150104 10,939 617 SH DFND 617 0 0
GILEAD SCIENCES INC COM 375558103 295,257 2,337 SH DFND 2,337 0 0
LIVE NATION ENTERTAINMENT IN COM 538034109 4,212 23 SH DFND 23 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 56,114,460 227,913 SH DFND 227,913 0 0
MCKESSON CORP COM 58155Q103 282,594 374 SH DFND 374 0 0
ISHARES TR MSCI AC ASIA ETF 464288182 362,644 3,039 SH DFND 3,039 0 0
ALPHABET INC CAP STK CL A 02079K305 8,582,955 24,017 SH DFND 24,017 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 6,802,828 28,061 SH DFND 28,061 0 0
ISHARES TR MSCI EAFE ETF 464287465 14,161,545 136,326 SH DFND 136,326 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 12,800,372 42,604 SH DFND 42,604 0 0
ISHARES TR CORE S&P TTL STK 464287150 49,445 301 SH DFND 301 0 0
MCCORMICK & CO INC COM NON VTG 579780206 14,571 289 SH DFND 289 0 0
INTUIT COM 461202103 293,364 1,124 SH DFND 1,124 0 0
KIMBERLY-CLARK CORP COM 494368103 1,391,664 12,678 SH DFND 12,678 0 0
TRANSDIGM GROUP INC COM 893641100 14,652 11 SH DFND 11 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,237,775 12,836 SH DFND 12,836 0 0
WEYERHAEUSER CO COM NEW 962166104 1,796 75 SH DFND 75 0 0
SPROTT ASSET MANAGEMENT LP PHYSICAL GOLD AN 85208R101 117,351 2,917 SH DFND 2,917 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 113,171 852 SH DFND 852 0 0
JACOBS SOLUTIONS INC COM 46982L108 1,638 13 SH DFND 13 0 0
ALLSTATE CORP COM 020002101 64,482 271 SH DFND 271 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 501,173 6,066 SH DFND 6,066 0 0
EVEREST GROUP LTD COM G3223R108 23,934 67 SH DFND 67 0 0
ANALOG DEVICES INC COM 032654105 716,495 1,804 SH DFND 1,804 0 0
PPG INDS INC COM 693506107 137,179 1,131 SH DFND 1,131 0 0
ETSY INC COM 29786A106 11,751 156 SH DFND 156 0 0
PROCTER & GAMBLE CO COM 742718109 2,511,063 17,124 SH DFND 17,124 0 0
VANGUARD BD INDEX FDS VANGUARD ULTRA 92203C303 197,826 3,974 SH DFND 3,974 0 0
TREX INC COM 89531P105 11,809 236 SH DFND 236 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 12,559,252 155,880 SH DFND 155,880 0 0
ALTRIA GROUP INC COM 02209S103 1,210,703 16,827 SH DFND 16,827 0 0
STANLEY BLACK & DECKER INC COM 854502101 32,377 344 SH DFND 344 0 0
ISHARES TR CORE MSCI TOTAL 46432F834 26,723 280 SH DFND 280 0 0
TOAST INC CL A 888787108 2,810 101 SH DFND 101 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,486,465 21,399 SH DFND 21,399 0 0
EXELON CORP COM 30161N101 26,946 578 SH DFND 578 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 15,896,792 184,546 SH DFND 184,546 0 0
ISHARES TR S&P MC 400VL ETF 464287705 835,561 5,656 SH DFND 5,656 0 0
MORGAN STANLEY COM NEW 617446448 783,691 3,749 SH DFND 3,749 0 0
GLACIER BANCORP INC NEW COM 37637Q105 10,832 210 SH DFND 210 0 0
GSK PLC SPONSORED ADR 37733W204 30,928 590 SH DFND 590 0 0
ISHARES TR RUS MID CAP ETF 464287499 6,702,933 60,759 SH DFND 60,759 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851 868 5 SH DFND 5 0 0
TENET HEALTHCARE CORP COM NEW 88033G407 1,310 7 SH DFND 7 0 0
UNION PAC CORP COM 907818108 614,176 2,258 SH DFND 2,258 0 0
ALPHABET INC CAP STK CL C 02079K107 11,189,608 31,669 SH DFND 31,669 0 0
ISHARES TR MSCI CHINA ETF 46429B671 1,788,681 35,055 SH DFND 35,055 0 0
PACKAGING CORP AMER COM 695156109 166,796 700 SH DFND 700 0 0
ARK ETF TR INNOVATION ETF 00214Q104 4,283 53 SH DFND 53 0 0
HUMANA INC COM 444859102 17,478 44 SH DFND 44 0 0
CANADIAN PACIFIC KANSAS CITY COM 13646K108 106,839 1,233 SH DFND 1,233 0 0
NCR VOYIX CORPORATION COM 62886E108 376 46 SH DFND 46 0 0
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647 196,896 3,887 SH DFND 3,887 0 0
SNOWFLAKE INC COM SHS 833445109 7,635 30 SH DFND 30 0 0
LUMENTUM HLDGS INC COM 55024U109 108,974 127 SH DFND 127 0 0
CINTAS CORP COM 172908105 26,532 156 SH DFND 156 0 0
RH COM 74967X103 2,965 18 SH DFND 18 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524748 55,261 1,138 SH DFND 1,138 0 0
BAIDU INC SPON ADR REP A 056752108 2,857 25 SH DFND 25 0 0
SOLVENTUM CORP COM SHS 83444M101 7,329 95 SH DFND 95 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 9,424,719 22,103 SH DFND 22,103 0 0
HERSHEY CO COM 427866108 702 4 SH DFND 4 0 0
CRH PLC ORD G25508105 5,671 53 SH DFND 53 0 0
BLACKSTONE INC COM 09260D107 60,247 512 SH DFND 512 0 0
TIMKEN CO COM 887389104 38,510 265 SH DFND 265 0 0
HENRY JACK & ASSOC INC COM 426281101 1,377 10 SH DFND 10 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 22,911 181 SH DFND 181 0 0
BANK OF AMER CORP COM 060505104 1,049,116 18,412 SH DFND 18,412 0 0
BANK OF NY MELLON CORP COM 064058100 117,568 813 SH DFND 813 0 0
FEDEX CORP COM 31428X106 77,030 246 SH DFND 246 0 0
ISHARES TR MSCI USA MIN ETF 46429B697 1,728,756 17,922 SH DFND 17,922 0 0
GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 37,940 1,000 SH DFND 1,000 0 0
SYSCO CORP COM 871829107 209,786 2,510 SH DFND 2,510 0 0
NIKE INC CL B 654106103 136,122 3,316 SH DFND 3,316 0 0
PROGRESSIVE CORP COM 743315103 172,576 790 SH DFND 790 0 0
HEXCEL CORP NEW COM 428291108 30,318 303 SH DFND 303 0 0
UNITED RENTALS INC COM 911363109 12,462 11 SH DFND 11 0 0
MSCI INC COM 55354G100 13,441 24 SH DFND 24 0 0
SUNBELT RENTALS HOLDINGS INC SHS 866966104 36,507 488 SH DFND 488 0 0
FORTIVE CORP COM 34959J108 42,335 693 SH DFND 693 0 0
TEXAS INSTRS INC COM 882508104 1,048,312 3,517 SH DFND 3,517 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 14,274 223 SH DFND 223 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 12,611 186 SH DFND 186 0 0
COSTAR GROUP INC COM 22160N109 2,832 100 SH DFND 100 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 1,024,116 12,391 SH DFND 12,391 0 0
NVIDIA CORPORATION COM 67066G104 12,085,836 60,402 SH DFND 60,402 0 0
ROLLINS INC COM 775711104 215,253 5,157 SH DFND 5,157 0 0
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 2,027,762 4,246 SH DFND 4,246 0 0
YUM BRANDS INC COM 988498101 1,198,950 7,500 SH DFND 7,500 0 0
ALIGN TECHNOLOGY INC COM 016255101 27,323 162 SH DFND 162 0 0
OMNICOM GROUP INC COM 681919106 201,521 2,767 SH DFND 2,767 0 0
C H ROBINSON WORLDWIDE IN COM NEW 12541W209 15,067 80 SH DFND 80 0 0
COREBRIDGE FINL INC COM 21871X109 11,681 408 SH DFND 408 0 0
CHURCH & DWIGHT CO INC COM 171340102 15,695 162 SH DFND 162 0 0
OMEGA HEALTHCARE INVS INC COM 681936100 80,579 1,690 SH DFND 1,690 0 0
AMEREN CORP COM 023608102 20,799 184 SH DFND 184 0 0
CONSTELLATION ENERGY CORP COM 21037T109 141,571 570 SH DFND 570 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100 66,280 306 SH DFND 306 0 0
LPL FINL HLDGS INC COM 50212V100 2,817 10 SH DFND 10 0 0
WABTEC COM 929740108 14,558 54 SH DFND 54 0 0
KRAFT HEINZ CO COM 500754106 262,678 11,121 SH DFND 11,121 0 0
SELECT SECTOR SPDR TR ST STR INDL ETF 81369Y704 9,447 51 SH DFND 51 0 0
DISNEY WALT CO COM 254687106 423,115 4,396 SH DFND 4,396 0 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 57,220 1,000 SH DFND 1,000 0 0
TRIMBLE INC COM 896239100 3,890 76 SH DFND 76 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6,438,018 12,866 SH DFND 12,866 0 0
TELEFONAKTIEBOLAGET LM ERICS ADR B SEK 10 294821608 5,185 465 SH DFND 465 0 0
MERITAGE HOMES CORP COM 59001A102 2,516 30 SH DFND 30 0 0
GE AEROSPACE COM NEW 369604301 1,761,763 4,714 SH DFND 4,714 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 11,828,406 161,128 SH DFND 161,128 0 0
KKR & CO INC COM 48251W104 3,579 39 SH DFND 39 0 0
CENTERPOINT ENERGY INC COM 15189T107 2,466 56 SH DFND 56 0 0
CONOCOPHILLIPS COM 20825C104 332,464 3,198 SH DFND 3,198 0 0
WESTERN DIGITAL CORP COM 958102105 31,297 49 SH DFND 49 0 0
WOORI FINL GROUP INC SPONSORED ADS 981064108 29,159 508 SH DFND 508 0 0
PULTE GROUP INC COM 745867101 52,826 385 SH DFND 385 0 0
ISHARES TR HDG MSCI EAFE 46434V803 232,607 4,957 SH DFND 4,957 0 0
DT MIDSTREAM INC COMMON STOCK 23345M107 2,054 14 SH DFND 14 0 0
BOEING CO COM 097023105 137,675 636 SH DFND 636 0 0
TARGET CORP COM 87612E106 166,005 1,271 SH DFND 1,271 0 0
NETFLIX INC. COM 64110L106 155,723 2,181 SH DFND 2,181 0 0
POLARIS INC COM 731068102 1,163 17 SH DFND 17 0 0
SELECT SECTOR SPDR TR ST STR FINL ETF 81369Y605 198,303 3,699 SH DFND 3,699 0 0
BLACKROCK MUNIYILD QULT FD I COM 09254F100 10,440 900 SH DFND 900 0 0
COMMERCIAL METALS CO COM 201723103 41,603 663 SH DFND 663 0 0
VANGUARD WORLD FD MATERIALS ETF 92204A801 41,640 182 SH DFND 182 0 0
AMERICAN EXPRESS CO COM 025816109 2,713,780 8,023 SH DFND 8,023 0 0
JPMORGAN CHASE & CO COM 46625H100 5,145,628 15,720 SH DFND 15,720 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 2,409,251 17,518 SH DFND 17,518 0 0
BLUE OWL CAPITAL INC COM CL A 09581B103 656 75 SH DFND 75 0 0
LOWES COS INC COM 548661107 1,054,383 4,782 SH DFND 4,782 0 0
SPDR SERIES TRUST ST STR P500ETF 78464A854 40,249 458 SH DFND 458 0 0
SPDR INDEX SHS FDS ST STR EU 50 ETF 78463X202 893 13 SH DFND 13 0 0
NORFOLK SOUTHN CORP COM 655844108 347,937 1,106 SH DFND 1,106 0 0
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628 1,209 13 SH DFND 13 0 0
EATON CORP PLC SHS G29183103 324,703 762 SH DFND 762 0 0
MERCK & CO INC COM 58933Y105 1,777,412 13,832 SH DFND 13,832 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 3,949 15 SH DFND 15 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 13,169,778 17,884 SH DFND 17,884 0 0
AVERY DENNISON CORP COM 053611109 30,684 189 SH DFND 189 0 0
LIONSGATE STUDIOS CORP COM 53626N102 766 50 SH DFND 50 0 0
LAUDER ESTEE COS INC CL A 518439104 6,632 84 SH DFND 84 0 0
J P MORGAN EXCHANGE TRADED F MORTGAGE BACKED 46654Q575 32,283 637 SH DFND 637 0 0
LIBERTY CAP CORP SER A GCI GROUP 36164V602 66 3 SH DFND 3 0 0
J P MORGAN EXCHANGE TRADED F BETABULDRS JAPAN 46641Q217 93,987 1,248 SH DFND 1,248 0 0
HUBBELL INC COM 443510607 7,848 15 SH DFND 15 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102 39,601 460 SH DFND 460 0 0
BAUSCH HEALTH COS INC COM 071734107 1,928 391 SH DFND 391 0 0
BIOGEN INC COM 09062X103 66,546 308 SH DFND 308 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 205,306,116 2,401,522 SH DFND 2,401,522 0 0
PHILLIPS 66 COM 718546104 416,370 2,463 SH DFND 2,463 0 0
UBIQUITI INC COM 90353W103 252,596 473 SH DFND 473 0 0
ISHARES TR U.S. UTILITS ETF 464287697 33,810 295 SH DFND 295 0 0
OKTA INC CL A 679295105 12,553 92 SH DFND 92 0 0
ORGANON & CO COMMON STOCK 68622V106 135 10 SH DFND 10 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 348,365 9,642 SH DFND 9,642 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,133,400 9,108 SH DFND 9,108 0 0
DATADOG INC CL A COM 23804L103 40,095 154 SH DFND 154 0 0
LIBERTY BROADBAND CORP COM SER A 530307107 599 18 SH DFND 18 0 0
DEXCOM INC COM 252131107 7,476 111 SH DFND 111 0 0
FIRST CTZNS BANCSHARES INC D CL A 31946M103 8,323 4 SH DFND 4 0 0
COLGATE PALMOLIVE CO COM 194162103 41,256 450 SH DFND 450 0 0
HCA HEALTHCARE INC COM 40412C101 70,180 180 SH DFND 180 0 0
HONEYWELL AEROSPACE INC COM 43849R105 310,838 1,406 SH DFND 1,406 0 0
NEWMONT CORP COM 651639106 2,818,438 30,176 SH DFND 30,176 0 0
SIRIUSXM HOLDINGS INC COMMON STOCK 829933100 5,524 187 SH DFND 187 0 0
ELECTRONIC ARTS INC COM 285512109 44,699 218 SH DFND 218 0 0
ISHARES TR US HOME CONS ETF 464288752 62,688 600 SH DFND 600 0 0
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 599,396 6,212 SH DFND 6,212 0 0
PARKER-HANNIFIN CORP COM 701094104 168,237 172 SH DFND 172 0 0
ZILLOW GROUP INC CL C CAP STK 98954M200 3,341 106 SH DFND 106 0 0
AUTODESK INC COM 052769106 15,165 78 SH DFND 78 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 2,147,852 9,710 SH DFND 9,710 0 0
DECKERS OUTDOOR CORP COM 243537107 35,744 360 SH DFND 360 0 0
COMFORT SYS USA INC COM 199908104 624,314 315 SH DFND 315 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 233,712,514 340,287 SH DFND 340,287 0 0
MUELLER WTR PRODS INC COM SER A 624758108 13,173 510 SH DFND 510 0 0
CISCO SYS INC COM 17275R102 3,506,064 29,849 SH DFND 29,849 0 0
METLIFE INC COM 59156R108 3,638 43 SH DFND 43 0 0
NUVEEN SELECT TAX-FREE INCOM SH BEN INT 67062F100 15,340 1,072 SH DFND 1,072 0 0
AMETEK INC COM 031100100 280,408 1,159 SH DFND 1,159 0 0
VULCAN MATLS CO COM 929160109 658,167 2,231 SH DFND 2,231 0 0
CURTISS WRIGHT CORP COM 231561101 154,583 204 SH DFND 204 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 164,080 1,247 SH DFND 1,247 0 0
PUBLIC SVC ENTERPRISE GROUP COM 744573106 2,922 36 SH DFND 36 0 0
BROADCOM INC COM 11135F101 5,263,569 13,934 SH DFND 13,934 0 0
REPLIGEN CORP COM 759916109 4,503 33 SH DFND 33 0 0
DTE ENERGY CO COM 233331107 19,808 130 SH DFND 130 0 0
NORTHROP GRUMMAN CORP COM 666807102 225,115 442 SH DFND 442 0 0
VANGUARD WORLD FD CONSUM DIS ETF 92204A108 186,407 470 SH DFND 470 0 0
GEN DIGITAL INC COM 668771108 12,744 512 SH DFND 512 0 0
J P MORGAN EXCHANGE TRADED F BETA CDA ETF NEW 46641Q225 446,008 4,487 SH DFND 4,487 0 0
ISHARES TR CORE DIV GRWTH 46434V621 2,100,823 27,719 SH DFND 27,719 0 0
VODAFONE GROUP PLC SPONSORED ADR 92857W308 2,328 176 SH DFND 176 0 0
WEC ENERGY GROUP INC COM 92939U106 50,328 431 SH DFND 431 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100 26,032 862 SH DFND 862 0 0
LIBERTY LIVE HOLDINGS INC COM SER A 530909100 1,823 18 SH DFND 18 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 11,889,472 199,187 SH DFND 199,187 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 32,653 87 SH DFND 87 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 2,397 32 SH DFND 32 0 0
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 644,824 4,203 SH DFND 4,203 0 0
COPT DEFENSE PROPERTIES SHS BEN INT 22002T108 7,314 201 SH DFND 201 0 0
EQUINIX INC COM 29444U700 116,748 112 SH DFND 112 0 0
THE TRADE DESK INC COM CL A 88339J105 93,112 5,150 SH DFND 5,150 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 19,251,640 81,361 SH DFND 81,361 0 0
NOVO-NORDISK A S ADR 670100205 53,597 1,118 SH DFND 1,118 0 0
ISHARES TR U.S. TECH ETF 464287721 182,615 724 SH DFND 724 0 0
TELEDYNE TECHNOLOGIES INC COM 879360105 10,004 15 SH DFND 15 0 0
EXPEDITORS INTL WASH INC COM 302130109 2,608 16 SH DFND 16 0 0
LAM RESEARCH CORP COM NEW 512807306 1,117,991 2,580 SH DFND 2,580 0 0
AUTONATION INC COM 05329W102 1,301 7 SH DFND 7 0 0
APPLE INC COM 037833100 24,434,137 84,442 SH DFND 84,442 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 18,888 65 SH DFND 65 0 0
KINROSS GOLD CORP COM 496902404 165,033 6,987 SH DFND 6,987 0 0
HALEON PLC SPON ADS 405552100 6,886 738 SH DFND 738 0 0
WOODSIDE ENERGY GROUP LTD SPONSORED ADR 980228308 927 48 SH DFND 48 0 0
ISHARES TR RUS 1000 ETF 464287622 3,280,505 8,011 SH DFND 8,011 0 0
COCA-COLA EUROPACIFIC PARTNE SHS G25839104 1,601 16 SH DFND 16 0 0
JEFFERIES FINANCIAL GROUP IN COM 47233W109 7,447 149 SH DFND 149 0 0
WASTE CONNECTIONS INC COM 94106B101 78,178 469 SH DFND 469 0 0
INTERNATIONAL PAPER CO COM 460146103 4,572 120 SH DFND 120 0 0
FASTENAL CO COM 311900104 50,047 1,042 SH DFND 1,042 0 0
SERVICENOW INC COM 81762P102 459,666 4,630 SH DFND 4,630 0 0
ENDEAVOUR SILVER CORP COM 29258Y103 41,400 5,000 SH DFND 5,000 0 0
STARBUCKS CORP COM 855244109 354,497 3,469 SH DFND 3,469 0 0
ISHARES INC CORE MSCI EMKT 46434G103 1,076,257 12,992 SH DFND 12,992 0 0
PAN AMERN SILVER CORP COM 697900108 881,826 19,688 SH DFND 19,688 0 0
SCHWAB STRATEGIC TR US REIT ETF 808524847 122,828 5,187 SH DFND 5,187 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,482,982 46,767 SH DFND 46,767 0 0
LIBERTY MEDIA CORP DEL COM LBTY ONE S A 531229771 1,576 18 SH DFND 18 0 0
EXPAND ENERGY CORPORATION COM 165167735 313,238 3,435 SH DFND 3,435 0 0
COINBASE GLOBAL INC COM CL A 19260Q107 1,900 13 SH DFND 13 0 0
TESLA INC COM 88160R101 318,394 757 SH DFND 757 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302 1,323,865 5,001 SH DFND 5,001 0 0
VERSIGENT PLC ORDINARY SHARES G9600F104 210 5 SH DFND 5 0 0
HARTFORD INSURANCE GROUP INC COM 416515104 29,154 220 SH DFND 220 0 0
LIBERTY LIVE HOLDINGS INC COM SHS SER C 530909308 4,014 38 SH DFND 38 0 0
ISHARES TR MSCI EURO FL ETF 464289180 45,033 1,155 SH DFND 1,155 0 0
PAYCHEX INC COM 704326107 72,469 737 SH DFND 737 0 0
AMPLIFY ETF TR JR SILV MINE ETF 032108649 165,888 6,400 SH DFND 6,400 0 0
CHEVRON CORPORATION COM 166764100 798,632 4,818 SH DFND 4,818 0 0
EOG RES INC COM 26875P101 145,946 1,125 SH DFND 1,125 0 0
TERADYNE INC COM 880770102 10,644 22 SH DFND 22 0 0
ROYCE MICRO-CAP TR INC COM 780915104 161,787 11,051 SH DFND 11,051 0 0
U HAUL HOLDING COMPANY COM SER N 023586506 10,386 180 SH DFND 180 0 0
EVERPURE INC CL A 74624M102 1,891 24 SH DFND 24 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 392,895 6,996 SH DFND 6,996 0 0
WISDOMTREE TR US LARGECAP DIVD 97717W307 165,767 1,721 SH DFND 1,721 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 3,148,737 14,060 SH DFND 14,060 0 0
ECOLAB INC COM 278865100 163,265 586 SH DFND 586 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 26,019,289 365,183 SH DFND 365,183 0 0
FLEX LTD ORD Y2573F102 6,483 40 SH DFND 40 0 0
AVANOS MED INC COM 05350V106 970 39 SH DFND 39 0 0
PARK NATL CORP COM 700658107 20,129 110 SH DFND 110 0 0
ISHARES TR S&P 500 VAL ETF 464287408 773,593 3,407 SH DFND 3,407 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649 2,345 12 SH DFND 12 0 0
AFLAC INC COM 001055102 157,701 1,345 SH DFND 1,345 0 0
LIBERTY LATIN AMERICA LTD COM CL C G9001E128 273 35 SH DFND 35 0 0
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,758,073 6,425 SH DFND 6,425 0 0
ICON PUB LTD CO SHS G4705A100 9,033 52 SH DFND 52 0 0
RALLIANT CORP COM 750940108 16,861 229 SH DFND 229 0 0
DEFINIUM THERAPEUTICS INC COM SHS 24477V105 1,270 27 SH DFND 27 0 0
TWILIO INC CL A 90138F102 7,634 37 SH DFND 37 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 6,460 55 SH DFND 55 0 0
ISHARES TR S&P SML 600 GWT 464287887 423,461 2,371 SH DFND 2,371 0 0
FLEXSHARES TR STOXX GLOBR INF 33939L795 40,396 630 SH DFND 630 0 0
ROKU INC COM CL A 77543R102 11,189 81 SH DFND 81 0 0
QUEST DIAGNOSTICS INC COM 74834L100 35,184 166 SH DFND 166 0 0
SHINHAN FINANCIAL GROUP CO L SPN ADR RESTRD 824596100 27,893 441 SH DFND 441 0 0
EQT CORP COM 26884L109 17,280 325 SH DFND 325 0 0
INTEL CORP COM 458140100 905,780 6,487 SH DFND 6,487 0 0
VALERO ENERGY CORP COM 91913Y100 272,681 1,047 SH DFND 1,047 0 0
JOHNSON & JOHNSON COM 478160104 5,903,787 23,246 SH DFND 23,246 0 0
LIBERTY BROADBAND CORP COM SER C 530307305 63,793 1,918 SH DFND 1,918 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 136,502 2,369 SH DFND 2,369 0 0
QUALCOMM INC COM 747525103 629,395 3,406 SH DFND 3,406 0 0
ROPER TECHNOLOGIES INC COM 776696106 165,811 490 SH DFND 490 0 0
APPLIED OPTOELECTRONICS INC COM 03823U102 7,704 52 SH DFND 52 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 8,487,938 38,948 SH DFND 38,948 0 0
DELL TECHNOLOGIES INC CL C 24703L202 8,629 20 SH DFND 20 0 0
ENTERGY CORP NEW COM 29364G103 655,621 5,708 SH DFND 5,708 0 0
MASTERCARD INCORPORATED CL A 57636Q104 2,315,309 4,508 SH DFND 4,508 0 0
WALKER & DUNLOP INC COM 93148P102 1,094 20 SH DFND 20 0 0
UNITEDHEALTH GROUP INC COM 91324P102 5,765,204 13,871 SH DFND 13,871 0 0
ISHARES TR EAFE GRWTH ETF 464288885 157,516 1,266 SH DFND 1,266 0 0
SELECT SECTOR SPDR TR ST STR SVC ETF 81369Y852 1,607 15 SH DFND 15 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 84,990 1,441 SH DFND 1,441 0 0
GUIDEWIRE SOFTWARE INC COM 40171V100 861 7 SH DFND 7 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 36,088 800 SH DFND 800 0 0
3M CO COM 88579Y101 663,021 4,095 SH DFND 4,095 0 0
AXON ENTERPRISE INC COM 05464C101 52,697 94 SH DFND 94 0 0
MARATHON PETE CORP COM 56585A102 68,264 267 SH DFND 267 0 0
OTIS WORLDWIDE CORP COM 68902V107 75,681 1,057 SH DFND 1,057 0 0
SANDISK CORP COM 80004C200 81,854 36 SH DFND 36 0 0
FORTINET INC COM 34959E109 70,358 458 SH DFND 458 0 0
TRUIST FINL CORP COM 89832Q109 1,601,115 32,138 SH DFND 32,138 0 0
ISHARES TR CORE S&P MCP ETF 464287507 11,941,023 154,857 SH DFND 154,857 0 0
AMERICAN HEALTHCARE REIT INC COM SHS 398182303 8,500 163 SH DFND 163 0 0
CAPITAL ONE FINL CORP COM 14040H105 48,951 244 SH DFND 244 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 498,423 6,606 SH DFND 6,606 0 0
DEERE & CO COM 244199105 137,015 216 SH DFND 216 0 0
J P MORGAN EXCHANGE TRADED F BETA EURO ET NE 46641Q191 355,098 4,566 SH DFND 4,566 0 0
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 155,040 2,720 SH DFND 2,720 0 0
ARISTA NETWORKS INC COM SHS 040413205 396,500 2,334 SH DFND 2,334 0 0
CENCORA INC COM 03073E105 20,375 72 SH DFND 72 0 0
MCDONALDS CORP COM 580135101 1,242,345 4,596 SH DFND 4,596 0 0
VISA INC COM CL A 92826C839 3,128,981 9,120 SH DFND 9,120 0 0
COMCAST CORP NEW CL A 20030N101 99,477 4,052 SH DFND 4,052 0 0
ISHARES TR TIPS BD ETF 464287176 875 8 SH DFND 8 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 69,583 1,919 SH DFND 1,919 0 0
INGERSOLL RAND INC COM 45687V106 55,097 672 SH DFND 672 0 0
LEAR CORP COM NEW 521865204 30,566 228 SH DFND 228 0 0
FEDERAL AGRIC MTG CORP CL C 313148306 40,651 204 SH DFND 204 0 0
PUBLIC STORAGE COM 74460D109 688,505 2,163 SH DFND 2,163 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 14,877,429 119,815 SH DFND 119,815 0 0
COEUR MNG INC COM NEW 192108504 291,883 17,885 SH DFND 17,885 0 0
ISHARES TR S&P MC 400GR ETF 464287606 1,226,583 10,439 SH DFND 10,439 0 0
PROLOGIS INC. COM 74340W103 143,598 1,060 SH DFND 1,060 0 0
SHOPIFY INC CL A SUB VTG SHS 82509L107 116,007 1,016 SH DFND 1,016 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 3,748,923 9,516 SH DFND 9,516 0 0
SELECT SECTOR SPDR TR ST STR DISCR ETF 81369Y407 90,775 774 SH DFND 774 0 0
ALLEGION PLC ORD SHS G0176J109 1,124 8 SH DFND 8 0 0
ALLIANT ENERGY CORP COM 018802108 177,298 2,324 SH DFND 2,324 0 0
GENERAL DYNAMICS CORP COM 369550108 179,954 508 SH DFND 508 0 0
UNITED PARCEL SVCS INC CL B 911312106 43,108 401 SH DFND 401 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 360,946 987 SH DFND 987 0 0
GALLAGHER ARTHUR J & CO COM 363576109 56,245 245 SH DFND 245 0 0
MONDELEZ INTL INC CL A 609207105 473,189 8,181 SH DFND 8,181 0 0
SCHWAB STRATEGIC TR FUNDAMENTAL US S 808524763 300,255 7,889 SH DFND 7,889 0 0
ROSS STORES INC COM 778296103 59,172 278 SH DFND 278 0 0
PRICE T ROWE GROUP INC COM 74144T108 15,803 139 SH DFND 139 0 0
PFIZER INC COM 717081103 308,393 12,807 SH DFND 12,807 0 0
COCA COLA CO COM 191216100 2,785,042 34,269 SH DFND 34,269 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 4,286 47 SH DFND 47 0 0
SELECT SECTOR SPDR TR ST STR ENERG ETF 81369Y506 744 14 SH DFND 14 0 0
T-MOBILE US INC COM 872590104 51,829 309 SH DFND 309 0 0
FORTUNE BRANDS INNOVATIONS I COM 34964C106 19,435 354 SH DFND 354 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 4,067 43 SH DFND 43 0 0
ILLUMINA INC COM 452327109 53,980 307 SH DFND 307 0 0
FLEXSHARES TR IBOXX 3R TARGT 33939L506 64,581 2,701 SH DFND 2,701 0 0
WW GRAINGER INC COM 384802104 13,604 10 SH DFND 10 0 0
APPLOVIN CORP COM CL A 03831W108 3,091 6 SH DFND 6 0 0
CENOVUS ENERGY INC COM 15135U109 1,910 77 SH DFND 77 0 0
NISOURCE INC COM 65473P105 576,211 12,118 SH DFND 12,118 0 0
SYNAPTICS INC COM 87157D109 20,498 165 SH DFND 165 0 0
AUTOZONE INC COM 053332102 31,959 10 SH DFND 10 0 0
KYNDRYL HLDGS INC COMMON STOCK 50155Q100 4,072 360 SH DFND 360 0 0
FIFTH THIRD BANCORP COM 316773100 322,380 5,719 SH DFND 5,719 0 0
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 79,894 658 SH DFND 658 0 0
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 1,237,237 6,494 SH DFND 6,494 0 0
CELSIUS HLDGS INC COM NEW 15118V207 3,484 119 SH DFND 119 0 0
DIMENSIONAL ETF TRUST US COR EQU 2 ETF 25434V708 3,847,077 86,724 SH DFND 86,724 0 0
SPDR SERIES TRUST ST STR SP DIV 78464A763 1,772,288 11,646 SH DFND 11,646 0 0
TRAVEL PLUS LEISURE CO COM 894164102 1,758 23 SH DFND 23 0 0
GRAIL INC COM 384747101 6,349 93 SH DFND 93 0 0
TRACTOR SUPPLY CO COM 892356106 57,056 1,805 SH DFND 1,805 0 0
PAYCOM SOFTWARE INC COM 70432V102 213,028 1,695 SH DFND 1,695 0 0
APOLLO GLOBAL MGMT INC COM 03769M106 2,130 18 SH DFND 18 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 5,704,496 6,098 SH DFND 6,098 0 0
SEMPRA COM 816851109 96,882 1,045 SH DFND 1,045 0 0
SEA LTD SPONSORD ADS 81141R100 5,750 60 SH DFND 60 0 0
CREDO TECHNOLOGY GROUP HOLDI ORDINARY SHARES G25457105 5,167 19 SH DFND 19 0 0
EXXON MOBIL CORP COM 30231G102 2,923,210 21,381 SH DFND 21,381 0 0
FIRST TR EXCHANGE-TRADED FD NY ARCA BIOTECH 33733E203 163,855 661 SH DFND 661 0 0
INSIGHT ENTERPRISES INC COM 45765U103 12,789 105 SH DFND 105 0 0
ISHARES TR US HLTHCR PR ETF 464288828 27,665 500 SH DFND 500 0 0
BAKER HUGHES COMPANY CL A 05722G100 16,151 291 SH DFND 291 0 0
BOOKING HOLDINGS INC COM 09857L108 345,251 1,937 SH DFND 1,937 0 0
US FOODS HLDG CORP COM 912008109 19,223 188 SH DFND 188 0 0
WELLTOWER INC COM 95040Q104 187,931 828 SH DFND 828 0 0
DEVON ENERGY CORP NEW COM 25179M103 26,321 637 SH DFND 637 0 0
FIRST SOLAR INC COM 336433107 14,158 60 SH DFND 60 0 0
ISHARES TR SELECT DIVID ETF 464287168 8,211,533 52,537 SH DFND 52,537 0 0
ISHARES TR CORE MSCI EAFE 46432F842 4,217,262 43,666 SH DFND 43,666 0 0