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
AFLAC INCORPORATED Com 001055102 166,217 1,487 SH SOLE 0 1,487 0 0
AFLAC INCORPORATED Com 001055102 55,890 500 SH DFND 0 500 0 0
AT&T INC Com 00206R102 1,132,184 46,401 SH SOLE 0 46,401 0 0
AT&T INC Com 00206R102 292,141 11,973 SH DFND 0 11,973 0 0
ABBOTT LABORATORIES Com 002824100 1,440,052 14,571 SH SOLE 0 14,571 0 0
ABBOTT LABORATORIES Com 002824100 65,821 666 SH DFND 0 666 0 0
ABBVIE INC Com 00287Y109 4,493,593 17,178 SH SOLE 0 17,178 0 0
ABBVIE INC Com 00287Y109 138,120 528 SH DFND 0 528 0 0
ADOBE INC Com 00724F101 586,893 2,446 SH SOLE 0 2,446 0 0
GQG US EQUITY ETF Com 00775Y256 11,283,823 427,094 SH SOLE 0 422,888 0 4,206
ADVANCED MICRO DEVICES Com 007903107 991,051 1,620 SH SOLE 0 1,620 0 0
ADVANCED MICRO DEVICES Com 007903107 1,529,400 2,500 SH DFND 0 0 0 2,500
ALPHA ARCHITECT US EQUITY 4 ETF Com 02072Q242 6,237,293 121,652 SH SOLE 0 121,652 0 0
ALPHA ARCHITECT US EQUITY 3 ETF Com 02072Q275 5,404,181 91,951 SH SOLE 0 91,951 0 0
ALPHA ARCHITECT US EQUITY 2 ETF Com 02072Q358 3,573,640 65,131 SH SOLE 0 65,131 0 0
ALPHA ARCHITECT US EQUITY ETF Com 02072Q853 1,151,865 18,688 SH SOLE 0 18,688 0 0
ALPHABET INC CL C Com 02079K107 7,461,525 21,898 SH SOLE 0 21,798 0 100
ALPHABET INC CL C Com 02079K107 293,036 860 SH DFND 0 860 0 0
ALPHABET INC CL A Com 02079K305 28,898,591 83,988 SH SOLE 0 82,993 0 995
ALPHABET INC CL A Com 02079K305 272,511 792 SH DFND 0 792 0 0
AMAZON COM INC Com 023135106 17,538,416 70,393 SH SOLE 0 69,723 0 670
AMAZON COM INC Com 023135106 79,230 318 SH DFND 0 318 0 0
AMEREN CORP Com 023608102 473,943 4,769 SH SOLE 0 4,769 0 0
AVANTIS RESPONSIBLE INTL EQUITY ETF Com 025072299 1,002,840 12,589 SH SOLE 0 12,464 0 125
AMERICAN ELECTRIC POWER CO INC Com 025537101 4,950,254 41,725 SH SOLE 0 41,535 0 190
AMERICAN EXPRESS CO Com 025816109 1,416,194 4,657 SH SOLE 0 4,657 0 0
AMERICAN INTERNATIONAL GROUP INC Com 026874784 2,213,028 29,737 SH SOLE 0 29,437 0 300
AMERICAN INTERNATIONAL GROUP INC Com 026874784 55,815 750 SH DFND 0 0 0 750
AMERICAN TOWER CORP Com 03027X100 848,405 5,183 SH SOLE 0 5,183 0 0
CENCORA INC Com 03073E105 2,616,379 8,714 SH SOLE 0 8,639 0 75
AMERIPRISE FINANCIAL INC Com 03076C106 335,290 681 SH SOLE 0 681 0 0
AMGEN INC Com 031162100 9,336,868 22,151 SH SOLE 0 22,081 0 70
AMGEN INC Com 031162100 1,186,551 2,815 SH DFND 0 2,815 0 0
ANALOG DEVICES INC Com 032654105 981,064 2,473 SH SOLE 0 2,473 0 0
APPLE INC Com 037833100 71,174,700 213,725 SH SOLE 0 211,863 0 1,862
APPLE INC Com 037833100 1,057,339 3,175 SH DFND 0 1,675 0 1,500
APPLIED MATERIALS INC Com 038222105 2,572,241 5,030 SH SOLE 0 5,030 0 0
ARTISAN PARTNERS INTERNATIONAL VALUE FUND Com 04314H857 29,840,224 514,487 SH SOLE 0 510,719 0 3,767
ARTISAN PARTNERS INTERNATIONAL VALUE FUND Com 04314H857 4,060 70 SH DFND 0 70 0 0
ATLANTIC UNION BANKSHARES CORP Com 04911A107 511,490 13,478 SH SOLE 0 13,478 0 0
ATMOS ENERGY CORP Com 049560105 366,695 2,344 SH SOLE 0 2,344 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 1,992,739 7,722 SH SOLE 0 7,722 0 0
AUTOMATIC DATA PROCESSING INC Com 053015103 205,416 796 SH DFND 0 796 0 0
AUTOZONE INC Com 053332102 302,812 107 SH SOLE 0 107 0 0
BANK OF AMERICA CORP Com 060505104 508,158 9,336 SH SOLE 0 9,336 0 0
BANK OF AMERICA CORP Com 060505104 353,795 6,500 SH DFND 0 1,500 0 5,000
BANK OF NEW YORK MELLON CORP Com 064058100 432,010 2,987 SH SOLE 0 2,987 0 0
BERKSHIRE HATHAWAY INC A Com 084670108 747,005 1 SH SOLE 0 1 0 0
BERKSHIRE HATHAWAY INC B Com 084670702 14,650,685 29,422 SH SOLE 0 29,156 0 266
BERKSHIRE HATHAWAY INC B Com 084670702 101,582 204 SH DFND 0 204 0 0
BLACKROCK INC Com 09290D101 941,878 890 SH SOLE 0 890 0 0
BRISTOL MYERS SQUIBB CO Com 110122108 827,486 13,261 SH SOLE 0 13,261 0 0
BRISTOL MYERS SQUIBB CO Com 110122108 300,456 4,815 SH DFND 0 4,815 0 0
BROADCOM INC Com 11135F101 37,463,544 106,676 SH SOLE 0 105,025 0 1,651
BROADCOM INC Com 11135F101 680,255 1,937 SH DFND 0 1,937 0 0
CIGNA GROUP Com 125523100 6,644,884 24,445 SH SOLE 0 24,116 0 329
CSX CORP Com 126408103 755,555 16,245 SH SOLE 0 16,245 0 0
CSX CORP Com 126408103 13,953 300 SH DFND 0 0 0 300
CAMDEN NATIONAL CORP Com 133034108 2,973,023 53,718 SH SOLE 0 53,718 0 0
CARRIER GLOBAL CORP Com 14448C104 522,157 9,518 SH SOLE 0 9,518 0 0
CATERPILLAR INC Com 149123101 3,588,557 4,426 SH SOLE 0 4,341 0 85
CATERPILLAR INC Com 149123101 231,886 286 SH DFND 0 86 0 200
CHEVRON CORPORATION Com 166764100 1,573,846 7,707 SH SOLE 0 7,707 0 0
CHEVRON CORPORATION Com 166764100 981,637 4,807 SH DFND 0 2,307 0 2,500
CISCO SYSTEMS INC Com 17275R102 17,737,747 164,803 SH SOLE 0 163,475 0 1,328
CISCO SYSTEMS INC Com 17275R102 346,353 3,218 SH DFND 0 3,218 0 0
COCA COLA CO Com 191216100 3,786,401 43,987 SH SOLE 0 43,787 0 200
COCA COLA CO Com 191216100 35,551 413 SH DFND 0 413 0 0
COLGATE PALMOLIVE INC Com 194162103 234,203 2,745 SH SOLE 0 2,745 0 0
CONSOLIDATED EDISON INC Com 209115104 673,666 6,591 SH SOLE 0 6,591 0 0
CORNING INC Com 219350105 436,371 2,838 SH SOLE 0 2,838 0 0
COSTCO WHOLESALE CORP Com 22160K105 1,259,000 1,383 SH SOLE 0 1,383 0 0
CROWDSTRIKE HOLDINGS INC Com 22788C105 352,118 1,330 SH SOLE 0 1,330 0 0
DANAHER CORP Com 235851102 1,171,335 5,287 SH SOLE 0 5,287 0 0
DANAHER CORP Com 235851102 10,191 46 SH DFND 0 46 0 0
DEERE & COMPANY Com 244199105 666,849 993 SH SOLE 0 993 0 0
DEERE & COMPANY Com 244199105 17,460 26 SH DFND 0 26 0 0
DFA SHORT DURA REAL RET PORTFOLIO FUND Com 25239Y576 24,243,576 2,272,125 SH SOLE 0 2,269,125 0 3,000
DFA SHORT DURA REAL RET PORTFOLIO FUND Com 25239Y576 125,539 11,766 SH DFND 0 11,766 0 0
DIMENSIONAL EMERG CORE EQ MKT ETF Com 25434V302 38,877,354 988,994 SH SOLE 0 983,671 0 5,323
DIMENSIONAL EMERG CORE EQ MKT ETF Com 25434V302 55,899 1,422 SH DFND 0 1,422 0 0
WALT DISNEY CO Com 254687106 319,421 3,045 SH SOLE 0 3,045 0 0
EOG RESOURCES INC Com 26875P101 4,226,201 30,678 SH SOLE 0 30,578 0 100
EOG RESOURCES INC Com 26875P101 32,236 234 SH DFND 0 234 0 0
ECOLAB INC Com 278865100 340,205 1,239 SH SOLE 0 1,239 0 0
EDWARDS LIFESCIENCES CORP Com 28176E108 1,259,754 14,594 SH SOLE 0 14,594 0 0
EMERSON ELECTRIC CO Com 291011104 2,417,078 15,584 SH SOLE 0 15,584 0 0
EMERSON ELECTRIC CO Com 291011104 152,153 981 SH DFND 0 981 0 0
TCW TRANSFORM 500 ETF Com 29287L106 231,180 2,567 SH SOLE 0 2,567 0 0
ENTEGRIS INC Com 29362U104 233,093 1,513 SH SOLE 0 1,513 0 0
ENTERPRISE PRODUCTS PRTN LP Com 293792107 274,909 7,720 SH SOLE 0 7,720 0 0
EVERGY INC Com 30034W106 2,447,171 31,198 SH SOLE 0 31,050 0 148
EXELON CORP Com 30161N101 1,806,001 44,703 SH SOLE 0 44,303 0 400
EXXON MOBIL HOLDINGS CORP Com 30233Q108 6,129,328 37,661 SH SOLE 0 37,661 0 0
EXXON MOBIL HOLDINGS CORP Com 30233Q108 126,131 775 SH DFND 0 775 0 0
META PLATFORMS INC Com 30303M102 784,645 1,082 SH SOLE 0 1,082 0 0
FEDERATED HERMES MDT MKT NEUTRAL FUND Com 31423A432 33,846,536 1,437,220 SH SOLE 0 1,426,792 0 10,428
FEDERATED HERMES MDT MKT NEUTRAL FUND Com 31423A432 26,464 1,124 SH DFND 0 1,124 0 0
FIDELITY TREASURY ONLY MONEY MARKET Com 31617H300 29,217 29,217 SH SOLE 0 29,217 0 0
FIDELITY TOTAL BOND ETF Com 316188309 625,512 14,446 SH SOLE 0 14,446 0 0
FIFTH THIRD BANCORP Com 316773100 550,007 10,874 SH SOLE 0 10,874 0 0
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 588,092 25,930 SH SOLE 0 25,537 0 393
FIRST TRUST GLOBAL WIND ENERGY ETF Com 33736G106 8,142 359 SH DFND 0 359 0 0
NORTHERN TR MORNINGSTAR GLBL NAT RES ETF Com 33939L407 9,995,496 189,524 SH SOLE 0 187,976 0 1,548
NORTHERN TR MORNINGSTAR GLBL NAT RES ETF Com 33939L407 40,821 774 SH DFND 0 774 0 0
NORTHERN TR QUALITY DIV DEFENSIVE ETF Com 33939L845 489,657 5,503 SH SOLE 0 5,503 0 0
NORTHERN TR QLTY DIVID ETF Com 33939L860 13,763,405 152,520 SH SOLE 0 151,020 0 1,500
FRANKLIN FTSE UNITED KINGDOM ETF Com 35473P678 204,022 5,691 SH SOLE 0 5,691 0 0
GE VERNOVA LLC Com 36828A101 356,434 375 SH SOLE 0 375 0 0
GE VERNOVA LLC Com 36828A101 46,574 49 SH DFND 0 49 0 0
GE AEROSPACE Com 369604301 724,825 2,321 SH SOLE 0 2,321 0 0
GE AEROSPACE Com 369604301 78,073 250 SH DFND 0 250 0 0
GSK PLC Com 37733W204 2,361,871 49,032 SH SOLE 0 49,032 0 0
GSK PLC Com 37733W204 25,048 520 SH DFND 0 520 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 281,813 313 SH SOLE 0 313 0 0
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 22,299,968 486,474 SH SOLE 0 483,358 0 3,116
GOLDMAN SACHS ACTIVEBETA INTL EQUITY ETF Com 381430107 31,905 696 SH DFND 0 696 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 11,424,076 78,765 SH SOLE 0 78,765 0 0
GOLDMAN SACHS ACTIVEBETA US LGE CAP EQ ETF Com 381430503 30,603 211 SH DFND 0 211 0 0
HERSHEY COMPANY Com 427866108 435,634 2,764 SH SOLE 0 2,764 0 0
HOME DEPOT INC Com 437076102 8,422,042 29,604 SH SOLE 0 29,393 0 211
HOME DEPOT INC Com 437076102 265,429 933 SH DFND 0 733 0 200
HONEYWELL AEROSPACE INC Com 43849R105 4,513,036 29,122 SH SOLE 0 28,985 0 137
HONEYWELL TECHNOLOGIES Com 438516205 4,085,908 19,370 SH SOLE 0 19,335 0 35
HOWMET AEROSPACE INC Com 443201108 248,119 1,097 SH SOLE 0 1,097 0 0
HUNTINGTON BANCSHARES INC Com 446150104 166,944 10,940 SH SOLE 0 10,940 0 0
IDEXX LABORATORIES INC Com 45168D104 189,555 363 SH SOLE 0 363 0 0
IDEXX LABORATORIES INC Com 45168D104 52,219 100 SH DFND 0 100 0 0
ILLINOIS TOOL WORKS INC Com 452308109 334,979 1,302 SH SOLE 0 1,302 0 0
ILLINOIS TOOL WORKS INC Com 452308109 631,108 2,453 SH DFND 0 2,453 0 0
INGERSOLL RAND INC Com 45687V106 134,522 1,791 SH SOLE 0 1,791 0 0
INGERSOLL RAND INC Com 45687V106 73,533 979 SH DFND 0 979 0 0
INTEL CORP Com 458140100 1,695,964 14,106 SH SOLE 0 14,106 0 0
INTEL CORP Com 458140100 616,059 5,124 SH DFND 0 5,124 0 0
INTERCONTINENTAL EXCHANGE INC Com 45866F104 228,349 1,502 SH SOLE 0 1,502 0 0
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 3,421,451 15,557 SH SOLE 0 15,507 0 50
INTERNATIONAL BUSINESS MACHINES CORP Com 459200101 43,986 200 SH DFND 0 200 0 0
INVESCO QQQ TRUST SERIES 1 ETF Com 46090E103 1,956,692 2,645 SH SOLE 0 2,645 0 0
INTUIT Com 461202103 1,019,024 3,696 SH SOLE 0 3,631 0 65
INTUITIVE SURGICAL INC Com 46120E602 219,174 539 SH SOLE 0 539 0 0
INTUITIVE SURGICAL INC Com 46120E602 15,452 38 SH DFND 0 38 0 0
INVESCO WATER RESOURCES ETF Com 46137V142 212,444 3,132 SH SOLE 0 3,132 0 0
INVESCO WATER RESOURCES ETF Com 46137V142 33,915 500 SH DFND 0 500 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF Com 46137V357 642,782 3,090 SH SOLE 0 3,090 0 0
INVESCO KBW BANK PORT ETF Com 46138E628 19,932,142 228,501 SH SOLE 0 226,634 0 1,867
ISHARES GOLD TRUST ETF Com 464285204 240,001 3,073 SH SOLE 0 3,073 0 0
ISHARES SELECT DIVIDEND ETF Com 464287168 602,197 3,960 SH SOLE 0 3,960 0 0
ISHARES CORE S&P 500 ETF Com 464287200 75,356,577 98,396 SH SOLE 0 98,240 0 156
ISHARES CORE S&P 500 ETF Com 464287200 16,083 21 SH DFND 0 21 0 0
ISHARES CORE TOT AGGR US BOND ETF Com 464287226 1,304,085 13,794 SH SOLE 0 13,794 0 0
ISHARES S&P GROWTH INDEX ETF Com 464287309 309,416 2,175 SH SOLE 0 2,175 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 1,142,790 11,000 SH SOLE 0 11,000 0 0
ISHARES MSCI EAFE INDEX ETF Com 464287465 21,401 206 SH DFND 0 206 0 0
ISHARES RUSSELL MID CAP ETF Com 464287499 374,125 3,506 SH SOLE 0 3,506 0 0
ISHARES CORE S&P MIDCAP ETF Com 464287507 1,361,942 18,929 SH SOLE 0 18,929 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 387,267 1,562 SH SOLE 0 1,562 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 1,454,018 11,608 SH SOLE 0 11,608 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 405,442 1,459 SH SOLE 0 1,459 0 0
ISHARES CORE S&P US GROWTH ETF Com 464287671 210,800 1,088 SH SOLE 0 989 0 99
ISHARES RUSSELL 3000 ETF Com 464287689 1,980,888 4,589 SH SOLE 0 4,589 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 678,023 4,984 SH SOLE 0 4,984 0 0
ISHARES CORE S&P SMALL CAP ETF Com 464287804 24,759 182 SH DFND 0 182 0 0
ISHARES CALIFORNIA MUNI BOND ETF Com 464288356 324,720 6,000 SH SOLE 0 6,000 0 0
ISHARES NATL MUNI BOND ETF Com 464288414 1,109,674 10,976 SH SOLE 0 10,976 0 0
ISHARES NATL MUNI BOND ETF Com 464288414 316,039 3,126 SH DFND 0 3,126 0 0
ISHARES MSCI KLD 400 SOCIAL ETF Com 464288570 640,853 4,384 SH SOLE 0 4,384 0 0
ISHARES MSCI KLD 400 SOCIAL ETF Com 464288570 175,416 1,200 SH DFND 0 1,200 0 0
ISHARES BROAD USD INV GR CORP BOND ETF Com 464288620 244,622 5,022 SH SOLE 0 5,022 0 0
ISHARES MSCI USA ESG SELECT SOCIAL IDX ETF Com 464288802 3,205,140 20,588 SH SOLE 0 20,428 0 160
ISHARES MSCI EAFE GROWTH ETF Com 464288885 370,754 3,094 SH SOLE 0 3,094 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689 14,409,261 158,135 SH SOLE 0 157,535 0 600
ISHARES MSCI EAFE MIN VOL FACTOR ETF Com 46429B689 26,151 287 SH DFND 0 287 0 0
ISHARES EDGE MSCI MIN VOL USA ETF Com 46429B697 704,296 7,228 SH SOLE 0 7,228 0 0
ISHARES EDGE MSCI USA QUAL FACT ETF Com 46432F339 472,260 2,125 SH SOLE 0 2,125 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 56,264,126 580,761 SH SOLE 0 577,388 0 3,373
ISHARES CORE MSCI EAFE ETF Com 46432F842 103,565 1,069 SH DFND 0 1,069 0 0
ISHARES U S EQUITY FACTOR ETF Com 46434V282 403,964 5,189 SH SOLE 0 5,189 0 0
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456 21,895,471 442,601 SH SOLE 0 441,101 0 1,500
ISHARES MSCI INTL QUAL FACTOR ETF Com 46434V456 34,085 689 SH DFND 0 689 0 0
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 92,252,180 1,223,666 SH SOLE 0 1,220,258 0 3,408
ISHARES CORE DIVIDEND GROWTH ETF Com 46434V621 49,004 650 SH DFND 0 650 0 0
ISHARES IBONDS DEC 2026 TERM CORP ETF Com 46435GAA0 249,672 10,300 SH SOLE 0 10,300 0 0
ISHARES IBONDS DEC 2028 TERM CORP ETF Com 46435U515 361,920 14,500 SH SOLE 0 14,500 0 0
ISHARES IBONDS DEC 2027 TERM CORP ETF Com 46435UAA9 323,208 13,400 SH SOLE 0 13,400 0 0
ISHARES IBONDS DEC 2029 TERM CORP ETF Com 46436E205 353,964 15,600 SH SOLE 0 15,600 0 0
JPMORGAN CHASE & CO Com 46625H100 22,884,834 69,174 SH SOLE 0 68,870 0 304
JPMORGAN CHASE & CO Com 46625H100 99,911 302 SH DFND 0 302 0 0
JPMORGAN INT'L RES ENHANCED EQUITY ETF Com 46641Q134 243,440 2,963 SH SOLE 0 2,963 0 0
JPMORGAN CORE PLUS BOND ETF Com 46641Q670 491,461 10,975 SH SOLE 0 10,975 0 0
JPMORGAN US QUALITY FACTOR ETF Com 46641Q761 12,609,173 170,856 SH SOLE 0 170,856 0 0
JPMORGAN US QUALITY FACTOR ETF Com 46641Q761 12,694 172 SH DFND 0 172 0 0
JPMORGAN ULTRA SHORT INC ETF Com 46641Q837 223,794 4,443 SH SOLE 0 4,443 0 0
JOHNSON & JOHNSON CO Com 478160104 11,925,743 45,047 SH SOLE 0 44,572 0 475
JOHNSON & JOHNSON CO Com 478160104 204,644 773 SH DFND 0 773 0 0
KLA CORP Com 482480100 591,807 3,036 SH SOLE 0 3,036 0 0
KIMBERLY-CLARK CORP Com 494368103 566,750 5,817 SH SOLE 0 5,817 0 0
KIMBERLY-CLARK CORP Com 494368103 29,229 300 SH DFND 0 300 0 0
KROGER CO Com 501044101 10,789,890 184,065 SH SOLE 0 182,583 0 1,482
KROGER CO Com 501044101 47,893 817 SH DFND 0 817 0 0
LAM RESEARCH CORP Com 512807306 272,006 828 SH SOLE 0 828 0 0
ELI LILLY & CO Com 532457108 4,274,254 3,694 SH SOLE 0 3,694 0 0
ELI LILLY & CO Com 532457108 768,301 664 SH DFND 0 664 0 0
LINCOLN ELECTRIC HOLDINGS Com 533900106 2,756,924 10,420 SH SOLE 0 10,220 0 200
LOWES COMPANIES INC Com 548661107 5,440,978 29,524 SH SOLE 0 29,424 0 100
MARSH & MCLENNAN CO INC Com 571748102 1,625,350 9,520 SH SOLE 0 9,370 0 150
MASCO CORP Com 574599106 3,733,421 55,392 SH SOLE 0 54,867 0 525
MASCO CORP Com 574599106 27,701 411 SH DFND 0 411 0 0
MASTERCARD INC CL A Com 57636Q104 2,281,983 4,138 SH SOLE 0 3,909 0 229
MCDONALDS CORP Com 580135101 675,038 2,923 SH SOLE 0 2,923 0 0
MCDONALDS CORP Com 580135101 46,650 202 SH DFND 0 202 0 0
MERCK & CO INC Com 58933Y105 10,115,756 69,615 SH SOLE 0 69,415 0 200
MERCK & CO INC Com 58933Y105 203,434 1,400 SH DFND 0 1,400 0 0
METLIFE INC Com 59156R108 4,396,236 46,689 SH SOLE 0 46,489 0 200
METLIFE INC Com 59156R108 7,627 81 SH DFND 0 81 0 0
MICROSOFT CORP Com 594918104 52,698,936 102,747 SH SOLE 0 101,883 0 864
MICROSOFT CORP Com 594918104 848,850 1,655 SH DFND 0 1,155 0 500
MICRON TECHNOLOGY Com 595112103 1,303,695 1,224 SH SOLE 0 1,224 0 0
MONDELEZ INTERNATIONAL INC A Com 609207105 266,492 4,609 SH SOLE 0 4,609 0 0
MORGAN STANLEY Com 617446448 465,122 2,473 SH SOLE 0 2,473 0 0
NASDAQ INC Com 631103108 116,669 1,268 SH SOLE 0 1,268 0 0
NASDAQ INC Com 631103108 165,618 1,800 SH DFND 0 1,800 0 0
NEXTERA ENERGY INC Com 65339F101 3,452,002 45,577 SH SOLE 0 45,577 0 0
NIKE INC CLASS B Com 654106103 278,386 7,864 SH SOLE 0 7,864 0 0
NORFOLK SOUTHERN CORP Com 655844108 176,439 571 SH SOLE 0 571 0 0
NORFOLK SOUTHERN CORP Com 655844108 30,900 100 SH DFND 0 100 0 0
NVIDIA CORP Com 67066G104 6,234,774 27,300 SH SOLE 0 27,300 0 0
NVIDIA CORP Com 67066G104 342,570 1,500 SH DFND 0 0 0 1,500
NUVEEN ESG LGE CAP VALUE ETF Com 67092P300 1,816,636 34,504 SH SOLE 0 33,784 0 720
NUVEEN ESG INTL DEV MKTS EQ ETF Com 67092P805 1,403,907 35,354 SH SOLE 0 34,805 0 549
ORACLE CORPORATION Com 68389X105 1,327,005 9,665 SH SOLE 0 9,665 0 0
ORACLE CORPORATION Com 68389X105 23,066 168 SH DFND 0 168 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 256,710 1,155 SH SOLE 0 1,155 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 13,780 62 SH DFND 0 62 0 0
PPG INDUSTRIES Com 693506107 182,369 1,748 SH SOLE 0 1,748 0 0
PPG INDUSTRIES Com 693506107 30,151 289 SH DFND 0 289 0 0
PPL CORP Com 69351T106 390,700 11,879 SH SOLE 0 11,879 0 0
PEPSICO INC Com 713448108 1,674,732 13,216 SH SOLE 0 13,216 0 0
PEPSICO INC Com 713448108 287,021 2,265 SH DFND 0 2,265 0 0
PFIZER INC Com 717081103 1,526,590 53,527 SH SOLE 0 53,527 0 0
PFIZER INC Com 717081103 411,230 14,419 SH DFND 0 14,419 0 0
PHILIP MORRIS INTERNATIONAL INC Com 718172109 718,246 3,764 SH SOLE 0 3,764 0 0
PRINCIPAL GLOBAL LISTED INF INST Com 74256W121 825,976 72,518 SH SOLE 0 71,379 0 1,138
PROCTER & GAMBLE CO Com 742718109 11,478,573 79,010 SH SOLE 0 78,260 0 750
PROCTER & GAMBLE CO Com 742718109 172,883 1,190 SH DFND 0 1,190 0 0
PUBLIC SERVICE ENTERPRISE GROUP Com 744573106 235,757 3,501 SH SOLE 0 3,501 0 0
RTX CORPORATION Com 75513E101 2,581,092 13,903 SH SOLE 0 13,903 0 0
REGENERON PHARMACEUTICALS INC Com 75886F107 4,755,869 6,272 SH SOLE 0 6,166 0 106
ROPER TECHNOLOGIES, INC Com 776696106 319,011 913 SH SOLE 0 913 0 0
SHELL PLC ADR Com 780259305 84,404 888 SH SOLE 0 888 0 0
SHELL PLC ADR Com 780259305 323,170 3,400 SH DFND 0 3,400 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 4,783,978 6,273 SH SOLE 0 6,273 0 0
SPDR GOLD SHARES ETF Com 78463V107 756,729 1,987 SH SOLE 0 1,987 0 0
State St SPDR Port Developed World ex-US ETF Com 78463X889 205,459 4,092 SH SOLE 0 4,092 0 0
SPDR S&P DIVIDEND ETF Com 78464A763 1,289,463 8,803 SH SOLE 0 8,803 0 0
SPDR PORTFOLIO S&P 500 ETF Com 78464A854 215,424 2,400 SH SOLE 0 2,400 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 373,668 569 SH SOLE 0 569 0 0
SALESFORCE INC Com 79466L302 2,913,932 12,693 SH SOLE 0 12,693 0 0
CHARLES SCHWAB CORP Com 808513105 512,646 5,245 SH SOLE 0 5,245 0 0
SCHWAB US DIVIDEND EQUITY ETF Com 808524797 31,106,845 956,251 SH SOLE 0 950,651 0 5,600
SPDR HEALTH CARE SELECT SECTOR ETF Com 81369Y209 1,082,772 6,429 SH SOLE 0 6,429 0 0
STATE STREET CONSUMER STAPLES SELECT SECTOR S Com 81369Y308 1,680,107 20,845 SH SOLE 0 20,555 0 290
SPDR CONS DISC SELECT SECTOR ETF Com 81369Y407 1,280,176 11,762 SH SOLE 0 11,762 0 0
SPDR FINANCIAL SELECT SECTOR ETF Com 81369Y605 3,400,192 63,674 SH SOLE 0 63,674 0 0
SPDR INDUSTRIAL SELECT SECTOR ETF Com 81369Y704 404,927 2,425 SH SOLE 0 2,425 0 0
SPDR TECHNOLOGY SELECT SECTOR ETF Com 81369Y803 5,726,275 29,253 SH SOLE 0 29,253 0 0
SERVICENOW INC Com 81762P102 4,485,181 33,469 SH SOLE 0 33,169 0 300
SOLSTICE ADVANCED MATERIALS INC Com 83443Q103 224,604 3,988 SH SOLE 0 3,988 0 0
SPACE EXPLORATION TECH CORP Com 84615Q103 283,466 1,879 SH SOLE 0 1,879 0 0
SPROTT PHYSICAL GOLD TRUST Com 85207H104 244,625 7,823 SH SOLE 0 7,823 0 0
STARBUCKS CORP Com 855244109 228,981 2,437 SH SOLE 0 2,437 0 0
STARBUCKS CORP Com 855244109 37,584 400 SH DFND 0 400 0 0
STATE STREET CORP Com 857477103 395,796 2,267 SH SOLE 0 2,267 0 0
STRYKER CORP Com 863667101 483,309 1,755 SH SOLE 0 1,755 0 0
SYSCO CORPORATION Com 871829107 233,490 2,995 SH SOLE 0 2,995 0 0
TJX COMPANIES INC Com 872540109 9,703,880 73,342 SH SOLE 0 71,807 0 1,535
TJX COMPANIES INC Com 872540109 25,139 190 SH DFND 0 190 0 0
T ROWE PRICE CAP APP ETF Com 87283Q867 10,554,269 249,687 SH SOLE 0 249,687 0 0
T ROWE PRICE CAP APP ETF Com 87283Q867 2,409 57 SH DFND 0 57 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING ADR Com 874039100 319,789 701 SH SOLE 0 701 0 0
TAIWAN SEMICONDUCTOR MANUFACTURING ADR Com 874039100 27,371 60 SH DFND 0 60 0 0
TARGET CORP Com 87612E106 294,264 1,878 SH SOLE 0 1,878 0 0
TESLA INC Com 88160R101 525,828 1,482 SH SOLE 0 1,482 0 0
TETRA TECH INC Com 88162G103 396,883 12,045 SH SOLE 0 12,045 0 0
TEXAS INSTRUMENTS INC Com 882508104 218,190 779 SH SOLE 0 779 0 0
TEXAS INSTRUMENTS INC Com 882508104 84,027 300 SH DFND 0 300 0 0
THERMO FISHER SCIENTIFIC Com 883556102 1,271,119 1,883 SH SOLE 0 1,883 0 0
THERMO FISHER SCIENTIFIC Com 883556102 29,027 43 SH DFND 0 43 0 0
3M CO Com 88579Y101 1,198,295 7,300 SH SOLE 0 7,300 0 0
3M CO Com 88579Y101 24,623 150 SH DFND 0 150 0 0
TRAVELERS COS INC Com 89417E109 755,088 2,118 SH SOLE 0 2,118 0 0
UNION PACIFIC CORP Com 907818108 3,866,423 14,208 SH SOLE 0 14,118 0 90
UNION PACIFIC CORP Com 907818108 244,917 900 SH DFND 0 900 0 0
UNITED THERAPEUTICS CORP Com 91307C102 1,487,488 2,745 SH SOLE 0 2,745 0 0
UNITEDHEALTH GROUP INC Com 91324P102 1,281,476 3,491 SH SOLE 0 3,391 0 100
VALERO ENERGY CORP Com 91913Y100 525,212 1,355 SH SOLE 0 1,355 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 6,190,881 26,535 SH SOLE 0 26,535 0 0
VANGUARD ESG INTL STOCK ETF Com 921910725 3,397,563 41,909 SH SOLE 0 41,411 0 498
VANGUARD FTSE DEV MKT ETF Com 921943858 932,052 13,200 SH SOLE 0 13,200 0 0
VANGUARD HIGH DIVIDEND YIELD ETF Com 921946406 645,942 4,162 SH SOLE 0 4,162 0 0
VANGUARD SHORT TERM TIPS ETF Com 922020805 956,886 19,441 SH SOLE 0 19,441 0 0
VANGUARD FTSE PACIFIC ETF Com 922042866 3,199,830 27,630 SH SOLE 0 27,043 0 587
VANGUARD FTSE EUROPE ETF Com 922042874 4,074,913 46,946 SH SOLE 0 46,040 0 906
VANGUARD INDUSTRIALS ETF Com 92204A603 2,644,528 8,251 SH SOLE 0 8,251 0 0
VANGUARD INDUSTRIALS ETF Com 92204A603 20,513 64 SH DFND 0 64 0 0
VANGUARD INFO TECH ETF Com 92204A702 1,100,869 8,760 SH SOLE 0 8,760 0 0
VANGUARD INTERM TREASURY ETF Com 92206C706 370,500 6,539 SH SOLE 0 6,539 0 0
VANGUARD S&P 500 ETF Com 922908363 449,952 642 SH SOLE 0 642 0 0
VANGUARD MORNINGSTAR MID-CAP VALUE ETF Com 922908512 20,151,908 103,063 SH SOLE 0 102,273 0 790
VANGUARD MORNINGSTAR MID-CAP VALUE ETF Com 922908512 29,330 150 SH DFND 0 150 0 0
VANGUARD MORNINGSTAR MID-CAP GROWTH ETF Com 922908538 384,112 1,315 SH SOLE 0 1,315 0 0
VANGUARD MORNINGSTAR MID-CAP GROWTH ETF Com 922908538 60,465 207 SH DFND 0 207 0 0
VANGUARD REIT INDEX ETF Com 922908553 212,333 2,369 SH SOLE 0 2,369 0 0
VANGUARD MORNINGSTAR SM-CAP VALUE ETF Com 922908611 219,479 950 SH SOLE 0 950 0 0
VANGUARD MORNINGSTAR LARGE CAP ETF Com 922908637 11,182,849 31,783 SH SOLE 0 31,783 0 0
VANGUARD MORNINGSTAR GROWTH ETF Com 922908736 449,829 4,992 SH SOLE 0 4,938 0 54
VANGUARD MORNINGSTAR VALUE ETF Com 922908744 305,969 1,416 SH SOLE 0 1,416 0 0
VANGUARD MORNINGSTAR TTL STK MKT ETF Com 922908769 2,869,672 7,668 SH SOLE 0 7,668 0 0
VERIZON COMMUNICATIONS Com 92343V104 217,424 4,740 SH SOLE 0 4,740 0 0
VERIZON COMMUNICATIONS Com 92343V104 199,443 4,348 SH DFND 0 4,348 0 0
VERTEX PHARMACEUTICALS INC Com 92532F100 228,991 438 SH SOLE 0 438 0 0
VERTIV HOLDINGS CO Com 92537N108 304,292 1,261 SH SOLE 0 1,261 0 0
VICTORYSHARES FREE CASH FLOW ETF Com 92647X830 27,807,739 543,226 SH SOLE 0 539,211 0 4,015
VISA INC Com 92826C839 15,163,367 42,199 SH SOLE 0 41,964 0 235
VISA INC Com 92826C839 88,755 247 SH DFND 0 247 0 0
WALMART STORES INC Com 931142103 4,479,783 43,108 SH SOLE 0 42,558 0 550
WALMART STORES INC Com 931142103 582,368 5,604 SH DFND 0 4,104 0 1,500
WASTE MANAGEMENT Com 94106L109 302,617 1,484 SH SOLE 0 1,484 0 0
YUM BRANDS INC Com 988498101 224,825 1,649 SH SOLE 0 1,649 0 0
TOTALENERGIES SE Com F92124100 9,659,534 112,977 SH SOLE 0 112,727 0 250
ACCENTURE PLC Com G1151C101 3,170,284 17,289 SH SOLE 0 17,242 0 47
ACCENTURE PLC Com G1151C101 4,584 25 SH DFND 0 25 0 0
EATON CORP PLC Com G29183103 7,158,539 16,659 SH SOLE 0 16,570 0 89
EATON CORP PLC Com G29183103 94,106 219 SH DFND 0 219 0 0
LINDE PLC Com G54950103 2,250,790 4,742 SH SOLE 0 4,707 0 35
LINDE PLC Com G54950103 106,796 225 SH DFND 0 225 0 0
MEDTRONIC PLC Com G5960L103 6,915,971 80,148 SH SOLE 0 79,593 0 555
SEAGATE TECHNOLOGY HOLDINGS Com G7997R103 354,179 384 SH SOLE 0 384 0 0
TRANE TECHNOLOGIES PLC Com G8994E103 884,525 1,957 SH SOLE 0 1,957 0 0
TRANE TECHNOLOGIES PLC Com G8994E103 1,007,915 2,230 SH DFND 0 2,230 0 0
ASML HOLDING NV Com N07059210 659,448 364 SH SOLE 0 364 0 0