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
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
ALERIAN MLP ETF Com 00162Q452 196 5,370 SH   SOLE 0 5,370 0 0
ALERIAN MLP ETF Com 00162Q452 8 220 SH   DFND 0 220 0 0
AT&T INC Com 00206R102 183 11,930 SH   SOLE 0 11,930 0 0
AT&T INC Com 00206R102 45 2,905 SH   DFND 0 2,905 0 0
ABBVIE INC Com 00287Y109 3,688 27,476 SH   SOLE 0 27,476 0 0
ABBVIE INC Com 00287Y109 990 7,374 SH   DFND 0 7,374 0 0
ADOBE SYSTEMS INC Com 00724F101 594 2,158 SH   SOLE 0 2,158 0 0
ADOBE SYSTEMS INC Com 00724F101 89 325 SH   DFND 0 325 0 0
ALPHABET INC-CL C Com 02079K107 1,643 17,092 SH   SOLE 0 17,092 0 0
ALPHABET INC-CL A Com 02079K305 4,151 43,403 SH   SOLE 0 43,403 0 0
ALPHABET INC-CL A Com 02079K305 196 2,050 SH   DFND 0 2,050 0 0
ALTRIA GROUP INC Com 02209S103 216 5,339 SH   SOLE 0 5,339 0 0
ALTRIA GROUP INC Com 02209S103 207 5,131 SH   DFND 0 5,131 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 790 3,136 SH   SOLE 0 3,136 0 0
ANALOG DEVICES INC Com 032654105 189 1,359 SH   SOLE 0 1,359 0 0
ANALOG DEVICES INC Com 032654105 28 204 SH   DFND 0 204 0 0
ASTRAZENECA PLC ADR Com 046353108 232 4,228 SH   SOLE 0 4,228 0 0
ASTRAZENECA PLC ADR Com 046353108 7 136 SH   DFND 0 136 0 0
Bank of America Pfd Stk 060505EH3 242 250,000 SH   SOLE 0 250,000 0 0
Bank Amer Corp Pfd Stk 060505EU4 98 100,000 SH   SOLE 0 100,000 0 0
BLACKROCK INC Com 09247X101 890 1,618 SH   SOLE 0 1,618 0 0
BLACKROCK INC Com 09247X101 89 161 SH   DFND 0 161 0 0
BLACKSTONE INC Com 09260D107 300 3,586 SH   SOLE 0 3,586 0 0
BLACKSTONE INC Com 09260D107 121 1,450 SH   DFND 0 1,450 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 821 11,544 SH   SOLE 0 11,544 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 660 9,288 SH   DFND 0 9,288 0 0
BROADCOM INC Com 11135F101 430 968 SH   SOLE 0 968 0 0
BROADCOM INC Com 11135F101 44 99 SH   DFND 0 99 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 982 10,202 SH   SOLE 0 10,202 0 0
CVS HEALTH CORP Com 126650100 2,508 26,302 SH   SOLE 0 26,302 0 0
CVS HEALTH CORP Com 126650100 124 1,300 SH   DFND 0 1,300 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 634 6,881 SH   SOLE 0 6,881 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 9 100 SH   DFND 0 100 0 0
CARLISLE COS INC Com 142339100 1,564 5,579 SH   SOLE 0 0 0 5,579
CARRIER GLOBAL CORPORATION Com 14448C104 471 13,239 SH   SOLE 0 11,567 0 1,672
CARRIER GLOBAL CORPORATION Com 14448C104 31 870 SH   DFND 0 870 0 0
CATERPILLAR INC Com 149123101 539 3,284 SH   SOLE 0 3,284 0 0
CATERPILLAR INC Com 149123101 74 450 SH   DFND 0 450 0 0
CHEVRON CORP Com 166764100 3,621 25,203 SH   SOLE 0 23,460 0 1,743
CHEVRON CORP Com 166764100 248 1,723 SH   DFND 0 1,723 0 0
CISCO SYSTEMS INC Com 17275R102 1,305 32,626 SH   SOLE 0 32,626 0 0
CISCO SYSTEMS INC Com 17275R102 212 5,308 SH   DFND 0 5,308 0 0
CITIGROUP INC Com 172967424 559 13,415 SH   SOLE 0 13,415 0 0
COCA-COLA CO/THE Com 191216100 6,375 113,792 SH   SOLE 0 113,792 0 0
COCA-COLA CO/THE Com 191216100 148 2,646 SH   DFND 0 2,646 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 42 730 SH   SOLE 0 730 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 230 4,000 SH   DFND 0 4,000 0 0
COMCAST CORP-CLASS A Com 20030N101 193 6,568 SH   SOLE 0 6,568 0 0
COMCAST CORP-CLASS A Com 20030N101 20 676 SH   DFND 0 676 0 0
CONOCOPHILLIPS Com 20825C104 1,343 13,122 SH   SOLE 0 13,122 0 0
CONSOLIDATED EDISON INC Com 209115104 205 2,395 SH   SOLE 0 2,395 0 0
COSTCO WHOLESALE CORP Com 22160K105 4,588 9,715 SH   SOLE 0 9,715 0 0
COSTCO WHOLESALE CORP Com 22160K105 349 738 SH   DFND 0 738 0 0
CUMMINS INC Com 231021106 348 1,708 SH   SOLE 0 1,708 0 0
DTE ENERGY COMPANY Com 233331107 479 4,167 SH   SOLE 0 4,167 0 0
DANAHER CORP Com 235851102 867 3,356 SH   SOLE 0 3,356 0 0
DANAHER CORP Com 235851102 6 22 SH   DFND 0 22 0 0
DEERE & CO Com 244199105 1,200 3,595 SH   SOLE 0 3,595 0 0
DEERE & CO Com 244199105 217 650 SH   DFND 0 650 0 0
WALT DISNEY CO/THE Com 254687106 1,719 18,218 SH   SOLE 0 18,218 0 0
WALT DISNEY CO/THE Com 254687106 22 235 SH   DFND 0 235 0 0
DUKE REALTY CORP Com 264411505 621 12,874 SH   SOLE 0 12,874 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201 330 7,600 SH   SOLE 0 7,600 0 0
ETFMG PRIME CYBER SECURITY ETF Com 26924G201 62 1,430 SH   DFND 0 1,430 0 0
ECOLAB INC Com 278865100 1,006 6,967 SH   SOLE 0 6,967 0 0
EMERSON ELECTRIC CO Com 291011104 693 9,459 SH   SOLE 0 9,459 0 0
EMERSON ELECTRIC CO Com 291011104 265 3,617 SH   DFND 0 3,617 0 0
ENBRIDGE INC Com 29250N105 1,387 37,396 SH   SOLE 0 37,396 0 0
ENBRIDGE INC Com 29250N105 261 7,042 SH   DFND 0 7,042 0 0
EXXON MOBIL CORP Com 30231G102 1,416 16,218 SH   SOLE 0 14,431 0 1,787
EXXON MOBIL CORP Com 30231G102 1,234 14,138 SH   DFND 0 14,138 0 0
META PLATFORMS INC Com 30303M102 601 4,427 SH   SOLE 0 4,427 0 0
FEDEX CORP Com 31428X106 362 2,440 SH   SOLE 0 2,440 0 0
FEDEX CORP Com 31428X106 352 2,370 SH   DFND 0 2,370 0 0
FISERV INC Com 337738108 1,116 11,923 SH   SOLE 0 11,923 0 0
FORD MOTOR CO Com 345370860 287 25,600 SH   SOLE 0 25,600 0 0
FORD MOTOR CO Com 345370860 1 101 SH   DFND 0 101 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104 951 146,564 SH   SOLE 0 146,564 0 0
GENERAL DYNAMICS CORP Com 369550108 311 1,465 SH   SOLE 0 1,465 0 0
GENERAL MILLS INC Com 370334104 552 7,211 SH   SOLE 0 7,211 0 0
GENERAL MILLS INC Com 370334104 86 1,120 SH   DFND 0 1,120 0 0
GILEAD SCIENCES INC Com 375558103 329 5,334 SH   SOLE 0 5,334 0 0
GILEAD SCIENCES INC Com 375558103 26 415 SH   DFND 0 415 0 0
GLOBAL X S&P 500 CATHOLIC VALUES ETF Com 37954Y889 244 5,580 SH   SOLE 0 5,580 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 709 2,418 SH   SOLE 0 2,418 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 47 160 SH   DFND 0 160 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503 665 9,360 SH   SOLE 0 9,360 0 0
WW GRAINGER INC Com 384802104 7 15 SH   SOLE 0 15 0 0
WW GRAINGER INC Com 384802104 867 1,772 SH   DFND 0 1,772 0 0
HP INC Com 40434L105 556 22,321 SH   SOLE 0 22,321 0 0
HP INC Com 40434L105 13 532 SH   DFND 0 532 0 0
HOME DEPOT INC Com 437076102 870 3,154 SH   SOLE 0 3,154 0 0
HOME DEPOT INC Com 437076102 531 1,926 SH   DFND 0 1,926 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 904 5,416 SH   SOLE 0 5,416 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 155 929 SH   DFND 0 929 0 0
ILLINOIS TOOL WORKS Com 452308109 823 4,555 SH   SOLE 0 4,555 0 0
ILLINOIS TOOL WORKS Com 452308109 13 70 SH   DFND 0 70 0 0
INTEL CORP Com 458140100 631 24,492 SH   SOLE 0 24,492 0 0
INTEL CORP Com 458140100 240 9,330 SH   DFND 0 9,330 0 0
INTL BUSINESS MACHINES CORP Com 459200101 1,026 8,634 SH   SOLE 0 8,234 0 400
INTL BUSINESS MACHINES CORP Com 459200101 297 2,500 SH   DFND 0 2,500 0 0
INVESCO QQQ TRUST Com 46090E103 3,411 12,764 SH   SOLE 0 12,764 0 0
INVESCO QQQ TRUST Com 46090E103 81 302 SH   DFND 0 302 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 1,022 7,763 SH   SOLE 0 7,763 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 90 684 SH   DFND 0 684 0 0
INVITATION HOMES INC Com 46187W107 577 17,079 SH   SOLE 0 17,079 0 0
INVITATION HOMES INC Com 46187W107 88 2,600 SH   DFND 0 2,600 0 0
ISHARES GOLD TRUST ISHARES Com 464285204 705 22,357 SH   SOLE 0 22,357 0 0
ISHARES GOLD TRUST ISHARES Com 464285204 61 1,921 SH   DFND 0 1,921 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150 2,070 26,026 SH   SOLE 0 26,026 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150 519 6,525 SH   DFND 0 6,525 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 2,518 23,485 SH   SOLE 0 23,485 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 65 610 SH   DFND 0 610 0 0
ISHARES CORE S&P 500 ETF Com 464287200 6,877 19,174 SH   SOLE 0 19,174 0 0
ISHARES CORE S&P 500 ETF Com 464287200 469 1,308 SH   DFND 0 1,308 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291 1,699 40,276 SH   SOLE 0 40,276 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309 958 16,554 SH   SOLE 0 16,554 0 0
ISHARES S&P 500 VALUE ETF Com 464287408 951 7,400 SH   SOLE 0 7,400 0 0
ISHARES MSCI EAFE ETF Com 464287465 1,864 33,281 SH   SOLE 0 33,281 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473 182 1,890 SH   SOLE 0 1,890 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473 86 900 SH   DFND 0 900 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499 1,537 24,731 SH   SOLE 0 24,731 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499 111 1,791 SH   DFND 0 1,791 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 8,594 39,195 SH   SOLE 0 39,195 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 362 1,652 SH   DFND 0 1,652 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 9,182 67,516 SH   SOLE 0 67,516 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 293 2,154 SH   DFND 0 2,154 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606 397 6,304 SH   SOLE 0 6,304 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606 192 3,052 SH   DFND 0 3,052 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 18,541 88,123 SH   SOLE 0 88,123 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 1,126 5,351 SH   DFND 0 5,351 0 0
ISHARES RUSSELL 1000 ETF Com 464287622 1,122 5,684 SH   SOLE 0 5,684 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630 172 1,334 SH   SOLE 0 1,334 0 0
ISHARES RUSSELL 2000 VALUE ETF Com 464287630 62 483 SH   DFND 0 483 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 3,385 16,386 SH   SOLE 0 16,386 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 62 300 SH   DFND 0 300 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 1,307 7,926 SH   SOLE 0 7,926 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 224 1,359 SH   DFND 0 1,359 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705 367 4,076 SH   SOLE 0 4,076 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705 173 1,920 SH   DFND 0 1,920 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 2,474 33,716 SH   SOLE 0 33,716 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 163 2,220 SH   DFND 0 2,220 0 0
ISHARES DOW JONES US ENERGY SECTOR FUND Com 464287796 781 19,869 SH   SOLE 0 19,869 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 5,699 65,359 SH   SOLE 0 65,359 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 202 2,321 SH   DFND 0 2,321 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879 132 1,600 SH   SOLE 0 1,600 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879 165 2,000 SH   DFND 0 2,000 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887 381 3,749 SH   SOLE 0 3,749 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887 216 2,124 SH   DFND 0 2,124 0 0
ISHARES TR AGENCY BOND ETF Com 464288166 257 2,415 SH   SOLE 0 2,415 0 0
ISHARES TR AGENCY BOND ETF Com 464288166 14 128 SH   DFND 0 128 0 0
ISHARES TR GL CLEAN ENERGY ETF Com 464288224 1,194 62,549 SH   SOLE 0 62,549 0 0
ISHARES MSCI ACWI ETF Com 464288257 865 11,118 SH   SOLE 0 11,118 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 454 5,715 SH   SOLE 0 5,715 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 152 1,910 SH   DFND 0 1,910 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372 371 8,876 SH   SOLE 0 8,876 0 0
ISHARES S&P GLOBAL INFRASTRUCTURE INDEX FUND Com 464288372 19 449 SH   DFND 0 449 0 0
ISHARES TR MBS ETF Com 464288588 266 2,910 SH   SOLE 0 2,910 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF Com 464288646 715 14,506 SH   SOLE 0 14,506 0 0
ISHARES BARCLAYS SHORT TREASURY BOND FUND Com 464288679 289 2,630 SH   SOLE 0 2,630 0 0
ISHARES S&P PREF STK ETF Com 464288687 2,385 75,312 SH   SOLE 0 75,312 0 0
ISHARES S&P PREF STK ETF Com 464288687 32 1,000 SH   DFND 0 1,000 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810 1,659 35,165 SH   SOLE 0 35,165 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 6,543 287,496 SH   SOLE 0 287,496 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 1,118 49,116 SH   DFND 0 49,116 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 7,086 107,198 SH   SOLE 0 107,198 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 612 9,260 SH   DFND 0 9,260 0 0
ISHARES TR 0-5 YR TIPS ETF Com 46429B747 1,297 13,490 SH   SOLE 0 13,490 0 0
ISHARES TR 0-5 YR TIPS ETF Com 46429B747 44 461 SH   DFND 0 461 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 8,219 166,847 SH   SOLE 0 166,847 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 5,832 118,395 SH   DFND 0 118,395 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 5,862 56,395 SH   SOLE 0 56,395 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 108 1,043 SH   DFND 0 1,043 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 1,993 24,342 SH   SOLE 0 24,342 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 105 1,287 SH   DFND 0 1,287 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 4,263 80,940 SH   SOLE 0 80,940 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 858 16,294 SH   DFND 0 16,294 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 727 16,919 SH   SOLE 0 16,919 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764 1,640 37,042 SH   SOLE 0 37,042 0 0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF Com 46434G764 72 1,630 SH   DFND 0 1,630 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863 853 30,814 SH   SOLE 0 30,814 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407 2,291 57,363 SH   SOLE 0 57,363 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407 342 8,566 SH   DFND 0 8,566 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613 1,739 39,085 SH   SOLE 0 39,085 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF Com 46434V613 203 4,573 SH   DFND 0 4,573 0 0
ISHA CURR HEDGED MSCI EAFE Com 46434V803 468 15,663 SH   SOLE 0 15,663 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 4,557 57,386 SH   SOLE 0 57,386 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 56 700 SH   DFND 0 700 0 0
ISHARES FALLEN ANGELS USD BOND ETF Com 46435G474 1,294 54,136 SH   SOLE 0 54,136 0 0
ISHARES FALLEN ANGELS USD BOND ETF Com 46435G474 38 1,600 SH   DFND 0 1,600 0 0
ISHARES MSCI EAFE ESG SELECT ETF Com 46435G516 477 8,498 SH   SOLE 0 8,498 0 0
ISHARES MSCI USA SMALL-CAP ESG OPTIMIZED ETF Com 46435U663 497 16,216 SH   SOLE 0 16,216 0 0
JPMORGAN CHASE & CO Com 46625H100 2,553 24,435 SH   SOLE 0 24,435 0 0
JPMORGAN CHASE & CO Com 46625H100 571 5,461 SH   DFND 0 5,461 0 0
JPMorgan Chase & Co Pfd Stk 46625HJQ4 248 250,000 SH   SOLE 0 250,000 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837 2,720 54,217 SH   SOLE 0 54,217 0 0
JPMORGAN ULTRA-SHORT INCOME ETF Com 46641Q837 2 30 SH   DFND 0 30 0 0
JOHNSON & JOHNSON Com 478160104 2,227 13,635 SH   SOLE 0 13,635 0 0
JOHNSON & JOHNSON Com 478160104 1,471 9,002 SH   DFND 0 9,002 0 0
KIMBERLY-CLARK CORP Com 494368103 624 5,544 SH   SOLE 0 5,544 0 0
KIMBERLY-CLARK CORP Com 494368103 23 204 SH   DFND 0 204 0 0
LKQ CORPORATION Com 501889208 673 14,283 SH   SOLE 0 14,283 0 0
ELI LILLY & CO Com 532457108 3,298 10,199 SH   SOLE 0 10,199 0 0
ELI LILLY & CO Com 532457108 453 1,402 SH   DFND 0 1,402 0 0
LOCKHEED MARTIN CORP Com 539830109 220 570 SH   SOLE 0 570 0 0
LOCKHEED MARTIN CORP Com 539830109 36 92 SH   DFND 0 92 0 0
LOWE'S COS INC Com 548661107 893 4,754 SH   SOLE 0 4,754 0 0
LOWE'S COS INC Com 548661107 30 160 SH   DFND 0 160 0 0
MASTERCARD INC-CLASS A Com 57636Q104 920 3,236 SH   SOLE 0 3,236 0 0
MCDONALD'S CORP Com 580135101 1,225 5,311 SH   SOLE 0 5,311 0 0
MCDONALD'S CORP Com 580135101 222 962 SH   DFND 0 962 0 0
MCKESSON CORP Com 58155Q103 1,099 3,233 SH   SOLE 0 3,233 0 0
MERCK & CO. INC. Com 58933Y105 890 10,332 SH   SOLE 0 10,332 0 0
MERCK & CO. INC. Com 58933Y105 846 9,818 SH   DFND 0 9,818 0 0
MICROSOFT CORP Com 594918104 8,071 34,656 SH   SOLE 0 34,656 0 0
MICROSOFT CORP Com 594918104 3,422 14,694 SH   DFND 0 14,694 0 0
MICRON TECHNOLOGY INC Com 595112103 324 6,465 SH   SOLE 0 6,465 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 268 4,891 SH   SOLE 0 4,891 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 240 4,386 SH   DFND 0 4,386 0 0
MOTOROLA SOLUTIONS INC Com 620076307 225 1,004 SH   SOLE 0 1,004 0 0
MOTOROLA SOLUTIONS INC Com 620076307 36 162 SH   DFND 0 162 0 0
NEXTERA ENERGY INC Com 65339F101 1,576 20,104 SH   SOLE 0 20,104 0 0
NEXTERA ENERGY INC Com 65339F101 196 2,500 SH   DFND 0 2,500 0 0
NIKE INC -CL B Com 654106103 1,170 14,077 SH   SOLE 0 14,077 0 0
NORFOLK SOUTHERN CORP Com 655844108 158 755 SH   SOLE 0 755 0 0
NORFOLK SOUTHERN CORP Com 655844108 65 310 SH   DFND 0 310 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 328 4,318 SH   SOLE 0 4,318 0 0
NVIDIA CORP Com 67066G104 4,222 34,783 SH   SOLE 0 34,783 0 0
NVIDIA CORP Com 67066G104 233 1,917 SH   DFND 0 1,917 0 0
ORACLE CORP Com 68389X105 402 6,577 SH   SOLE 0 6,577 0 0
ORACLE CORP Com 68389X105 217 3,557 SH   DFND 0 3,557 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 176 1,175 SH   SOLE 0 1,175 0 0
PNC FINANCIAL SERVICES GROUP Com 693475105 70 470 SH   DFND 0 470 0 0
PALO ALTO NETWORKS INC Com 697435105 1,309 7,992 SH   SOLE 0 7,992 0 0
PEPSICO INC Com 713448108 878 5,376 SH   SOLE 0 5,376 0 0
PEPSICO INC Com 713448108 1,189 7,280 SH   DFND 0 7,280 0 0
PFIZER INC Com 717081103 2,183 49,887 SH   SOLE 0 49,887 0 0
PFIZER INC Com 717081103 340 7,775 SH   DFND 0 7,775 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 257 3,102 SH   SOLE 0 3,102 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 383 4,613 SH   DFND 0 4,613 0 0
PHILLIPS 66 Com 718546104 292 3,622 SH   SOLE 0 3,622 0 0
PHILLIPS 66 Com 718546104 12 148 SH   DFND 0 148 0 0
PIONEER NATURAL RESOURCES Com 723787107 674 3,113 SH   SOLE 0 3,113 0 0
PROCTER & GAMBLE CO/THE Com 742718109 2,156 17,080 SH   SOLE 0 17,080 0 0
PROCTER & GAMBLE CO/THE Com 742718109 517 4,095 SH   DFND 0 4,095 0 0
PROLOGIS INC Com 74340W103 223 2,191 SH   SOLE 0 2,191 0 0
PROLOGIS INC Com 74340W103 92 910 SH   DFND 0 910 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 602 10,702 SH   SOLE 0 10,702 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 35 616 SH   DFND 0 616 0 0
PUBLIC STORAGE Com 74460D109 179 612 SH   SOLE 0 612 0 0
PUBLIC STORAGE Com 74460D109 67 230 SH   DFND 0 230 0 0
QUALCOMM INC Com 747525103 600 5,315 SH   SOLE 0 5,315 0 0
QUALCOMM INC Com 747525103 73 642 SH   DFND 0 642 0 0
ROPER TECHNOLOGIES INC Com 776696106 475 1,322 SH   SOLE 0 1,322 0 0
ROYCE PENNSYLVANIA MUTUAL FUND Com 780905840 110 15,158 SH   SOLE 0 15,158 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 6,088 17,044 SH   SOLE 0 17,044 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 435 1,218 SH   DFND 0 1,218 0 0
SPDR GOLD TRUST Com 78463V107 1,063 6,871 SH   SOLE 0 6,871 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF Com 78463X152 342 7,180 SH   SOLE 0 7,180 0 0
SPDR S&P NORTH AMERICAN NATURAL RESOURCES ETF Com 78463X152 17 359 SH   DFND 0 359 0 0
SPDR MSCI ACWI EX-US Com 78463X848 4,587 216,275 SH   SOLE 0 216,275 0 0
SPDR MSCI ACWI EX-US Com 78463X848 230 10,836 SH   DFND 0 10,836 0 0
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF Com 78464A359 1,997 31,552 SH   SOLE 0 31,552 0 0
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF Com 78464A359 179 2,829 SH   DFND 0 2,829 0 0
KBW BANK ETF Com 78464A797 352 7,950 SH   SOLE 0 7,950 0 0
KBW BANK ETF Com 78464A797 24 540 SH   DFND 0 540 0 0
SPDR S&P BIOTECH ETF Com 78464A870 309 3,900 SH   SOLE 0 3,900 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 1,027 2,557 SH   SOLE 0 2,557 0 0
SVB FINANCIAL GROUP Com 78486Q101 610 1,816 SH   SOLE 0 1,816 0 0
SCHWAB (CHARLES) CORP Com 808513105 1,468 20,429 SH   SOLE 0 20,429 0 0
The Charles Schwab Corporation Pfd Stk 808513AP0 59 60,000 SH   SOLE 0 60,000 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100 1,025 15,073 SH   SOLE 0 15,073 0 0
MATERIALS SELECT SPDR FUND Com 81369Y100 88 1,300 SH   DFND 0 1,300 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 2,387 19,706 SH   SOLE 0 19,706 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 79 650 SH   DFND 0 650 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Com 81369Y308 785 11,767 SH   SOLE 0 11,767 0 0
CONSUMER DISCRETIONARY SELT Com 81369Y407 1,204 8,453 SH   SOLE 0 8,453 0 0
ENERGY SELECT SECTOR SPDR Com 81369Y506 645 8,954 SH   SOLE 0 8,954 0 0
ENERGY SELECT SECTOR SPDR Com 81369Y506 135 1,878 SH   DFND 0 1,878 0 0
FINANCIAL SELECT SECTOR SPDR Com 81369Y605 1,306 43,013 SH   SOLE 0 43,013 0 0
TECHNOLOGY SELECT SECT SPDR Com 81369Y803 539 4,539 SH   SOLE 0 4,539 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 1,885 28,768 SH   SOLE 0 28,768 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 323 4,936 SH   DFND 0 4,936 0 0
SOUTHERN CO/THE Com 842587107 473 6,961 SH   SOLE 0 6,961 0 0
SOUTHERN CO/THE Com 842587107 146 2,143 SH   DFND 0 2,143 0 0
STARBUCKS CORP Com 855244109 585 6,945 SH   SOLE 0 6,945 0 0
Alta Properties, Inc. Com 863012544 182 24,544 SH   DFND 0 24,544 0 0
STRYKER CORP Com 863667101 644 3,179 SH   SOLE 0 3,179 0 0
TJX COMPANIES INC Com 872540109 302 4,860 SH   SOLE 0 4,860 0 0
T-MOBILE US INC Com 872590104 345 2,568 SH   SOLE 0 2,568 0 0
TAIWAN SEMICONDUCTOR-SP ADR Com 874039100 423 6,172 SH   SOLE 0 6,172 0 0
TAIWAN SEMICONDUCTOR-SP ADR Com 874039100 24 346 SH   DFND 0 346 0 0
TEXAS INSTRUMENTS INC Com 882508104 265 1,712 SH   SOLE 0 1,712 0 0
TEXAS INSTRUMENTS INC Com 882508104 113 732 SH   DFND 0 732 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 2,323 4,581 SH   SOLE 0 4,581 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 17 33 SH   DFND 0 33 0 0
3M CO Com 88579Y101 648 5,863 SH   SOLE 0 5,863 0 0
3M CO Com 88579Y101 359 3,248 SH   DFND 0 3,248 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307 335 2,575 SH   SOLE 0 2,575 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307 14 110 SH   DFND 0 110 0 0
TRUIST FINANCIAL CORPORATION Com 89832Q109 282 6,467 SH   SOLE 0 6,467 0 0
US BANCORP Com 902973304 357 8,853 SH   SOLE 0 8,853 0 0
US BANCORP Com 902973304 33 820 SH   DFND 0 820 0 0
UNION PACIFIC CORP Com 907818108 1,530 7,854 SH   SOLE 0 7,854 0 0
UNION PACIFIC CORP Com 907818108 458 2,350 SH   DFND 0 2,350 0 0
UNITED PARCEL SERVICE-CL B Com 911312106 530 3,280 SH   SOLE 0 3,280 0 0
UNITED PARCEL SERVICE-CL B Com 911312106 24 148 SH   DFND 0 148 0 0
UNITEDHEALTH GROUP INC Com 91324P102 926 1,833 SH   SOLE 0 1,833 0 0
UNITEDHEALTH GROUP INC Com 91324P102 104 205 SH   DFND 0 205 0 0
VF CORP Com 918204108 230 7,694 SH   SOLE 0 7,694 0 0
VALERO ENERGY CORP Com 91913Y100 600 5,619 SH   SOLE 0 5,619 0 0
VALERO ENERGY CORP Com 91913Y100 35 330 SH   DFND 0 330 0 0
VANECK VECTORS SEMICONDUCTOR ETF Com 92189F676 311 1,680 SH   SOLE 0 1,680 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 4,745 35,109 SH   SOLE 0 35,109 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 43 320 SH   DFND 0 320 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 974 26,796 SH   SOLE 0 26,796 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 219 6,031 SH   DFND 0 6,031 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 2,290 24,136 SH   SOLE 0 24,136 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 250 2,640 SH   DFND 0 2,640 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794 820 15,763 SH   SOLE 0 15,763 0 0
VANGUARD INTL HIGH DIVIDEND YIELD ETF Com 921946794 10 200 SH   DFND 0 200 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810 6,279 101,294 SH   SOLE 0 101,294 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810 145 2,338 SH   DFND 0 2,338 0 0
VANGUARD ULTRA-SHORT BOND ETF Com 92203C303 273 5,583 SH   SOLE 0 5,583 0 0
VANGUARD GLBL EX-US REAL EST Com 922042676 596 15,610 SH   SOLE 0 15,610 0 0
VANGUARD GLBL EX-US REAL EST Com 922042676 12 310 SH   DFND 0 310 0 0
VANGUARD FTSE ALL-WORLD EX-US Com 922042775 709 15,975 SH   SOLE 0 15,975 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 329 9,003 SH   SOLE 0 9,003 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 281 7,702 SH   DFND 0 7,702 0 0
VANGUARD INTL EQUITY INDEX PACIFIC ETF Com 922042866 701 12,211 SH   SOLE 0 12,211 0 0
VANGUARD INTL EQUITY INDEX FD FTSE EUROPE ETF Com 922042874 291 6,296 SH   SOLE 0 6,296 0 0
VANGUARD HEALTH CARE ETF Com 92204A504 246 1,100 SH   SOLE 0 1,100 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102 11,934 206,510 SH   SOLE 0 206,510 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102 675 11,686 SH   DFND 0 11,686 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409 13,883 186,897 SH   SOLE 0 186,857 0 40
VANGUARD SHORT-TERM CORP BO Com 92206C409 759 10,222 SH   DFND 0 10,222 0 0
VANGUARD INTERMEDIATE TERM GOVERNMENT BOND ET Com 92206C706 402 6,900 SH   SOLE 0 6,900 0 0
VANGUARD S&P 500 ETF Com 922908363 813 2,477 SH   SOLE 0 2,477 0 0
VANGUARD REAL ESTATE ETF Com 922908553 1,083 13,509 SH   SOLE 0 13,444 0 65
VANGUARD REAL ESTATE ETF Com 922908553 121 1,511 SH   DFND 0 1,511 0 0
VANGUARD IND FD MID-CAP Com 922908629 622 3,311 SH   SOLE 0 3,311 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652 831 6,541 SH   SOLE 0 6,541 0 0
VANGUARD EXTENDED MARKET ETF Com 922908652 27 212 SH   DFND 0 212 0 0
VANGUARD VALUE INDEX FUND ETF Com 922908744 893 7,229 SH   SOLE 0 7,229 0 0
VANGUARD VALUE INDEX FUND ETF Com 922908744 9 70 SH   DFND 0 70 0 0
VANGUARD SMALL-CAP ETF Com 922908751 419 2,454 SH   SOLE 0 2,454 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 2,133 56,164 SH   SOLE 0 56,164 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 181 4,754 SH   DFND 0 4,754 0 0
VISA INC-CLASS A SHARES Com 92826C839 2,085 11,738 SH   SOLE 0 11,738 0 0
VISA INC-CLASS A SHARES Com 92826C839 4 25 SH   DFND 0 25 0 0
WALMART INC Com 931142103 938 7,229 SH   SOLE 0 7,229 0 0
WALMART INC Com 931142103 318 2,450 SH   DFND 0 2,450 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 440 14,022 SH   SOLE 0 14,022 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 50 1,600 SH   DFND 0 1,600 0 0
WASTE MGMT INC Com 94106L109 721 4,501 SH   SOLE 0 4,501 0 0
WELLS FARGO & CO Com 949746101 399 9,923 SH   SOLE 0 9,923 0 0
WELLS FARGO & CO Com 949746101 82 2,040 SH   DFND 0 2,040 0 0
WELLS FARGO CO NEW PERP PFD CNV A Pfd Stk 949746804 257 220 SH   SOLE 0 220 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315 485 14,915 SH   SOLE 0 14,915 0 0
WISDOM TREE SMALL CAP DIVIDEND Com 97717W604 316 12,295 SH   SOLE 0 12,295 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578 706 28,693 SH   SOLE 0 28,693 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578 159 6,445 SH   DFND 0 6,445 0 0
WISDOMTREE US QUALITY DIVID Com 97717X669 826 15,322 SH   SOLE 0 15,322 0 0
XYLEM INC Com 98419M100 202 2,308 SH   SOLE 0 2,308 0 0
ZOETIS INC CL A Com 98978V103 270 1,820 SH   SOLE 0 1,820 0 0
ACCENTURE PLC-CL A Com G1151C101 1,309 5,088 SH   SOLE 0 5,088 0 0
ACCENTURE PLC-CL A Com G1151C101 170 660 SH   DFND 0 660 0 0
EATON CORP PLC Com G29183103 784 5,880 SH   SOLE 0 5,880 0 0
EATON CORP PLC Com G29183103 109 820 SH   DFND 0 820 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105 924 18,780 SH   SOLE 0 18,780 0 0
JOHNSON CONTROLS INTERNATIONAL Com G51502105 235 4,774 SH   DFND 0 4,774 0 0
LINDE PLC COM Com G5494J103 156 580 SH   SOLE 0 580 0 0
LINDE PLC COM Com G5494J103 58 215 SH   DFND 0 215 0 0
MEDTRONIC PLC Com G5960L103 498 6,171 SH   SOLE 0 6,171 0 0
MEDTRONIC PLC Com G5960L103 28 349 SH   DFND 0 349 0 0
TRANE TECHNOLOGIES PLC Com G8994E103 932 6,438 SH   SOLE 0 6,438 0 0
TRANE TECHNOLOGIES PLC Com G8994E103 180 1,240 SH   DFND 0 1,240 0 0
CHUBB LTD Com H1467J104 686 3,772 SH   SOLE 0 3,772 0 0
CHUBB LTD Com H1467J104 15 80 SH   DFND 0 80 0 0