# EDGAR Filing Document

**Accession Number:** 0001427372
**File Stem:** 0001427372-26-000002
**Filing Date:** 2026-4
**Character Count:** 17669
**Document Hash:** 44635e90a91994558a958a2e321e2820
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001427372-26-000002.hdr.sgml**: 20260417

**ACCESSION NUMBER**: 0001427372-26-000002

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20260331

**FILED AS OF DATE**: 20260417

**DATE AS OF CHANGE**: 20260417

**EFFECTIVENESS DATE**: 20260417

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Gibson Capital, LLC
- **CENTRAL INDEX KEY:** 0001427372

**ORGANIZATION NAME:**
- **EIN:** 263581953
- **STATE OF INCORPORATION:** PA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-12998
- **FILM NUMBER:** 26871243

**BUSINESS ADDRESS:**
- **STREET 1:** 6600 BROOKTREE COURT, SUITE 2200
- **CITY:** WEXFORD
- **STATE:** PA
- **ZIP:** 15090
- **BUSINESS PHONE:** 724-934-3200

**MAIL ADDRESS:**
- **STREET 1:** 6600 BROOKTREE COURT, SUITE 2200
- **CITY:** WEXFORD
- **STATE:** PA
- **ZIP:** 15090

**FORMER COMPANY:**
- **FORMER CONFORMED NAME:** Gibson Capital Management, Ltd.
- **DATE OF NAME CHANGE:** 20080215

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 03-31-2026

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Gibson Capital LLC<br>**Address:** 6600 BROOKTREE COURT SUITE 2200<br>WEXFORD, PA 15090

**Form 13F File Number:** 028-12998

**CRD Number (if applicable):** 000148836

**SEC File Number (if applicable):** 801-69774

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Daniel G Berczik<br>**Title:** Chief Compliance Officer<br>**Phone:** 724-934-3200

**Signature, Place, and Date of Signing:**

Daniel G Berczik  Wexford, PA  04-17-2026<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 132

**Form 13F Information Table Value Total:** $537247760

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M CO COM | COM | 88579Y101 |  | 214922 | 1480 | SH |  | DFND |  | 0 | 0 | 1479 |
| 3M CO COM | COM | 88579Y101 |  | 256331 | 1765 | SH |  | SOLE |  | 1765 | 0 | 0 |
| ALPHABET INC CAP STK CL A | CAP STK CL A | 02079K305 |  | 56074 | 195 | SH |  | DFND |  | 0 | 0 | 195 |
| ALPHABET INC CAP STK CL A | CAP STK CL A | 02079K305 |  | 592661 | 2061 | SH |  | SOLE |  | 2061 | 0 | 0 |
| ALPHABET INC CAP STK CL C | CAP STK CL C | 02079K107 |  | 28692 | 100 | SH |  | DFND |  | 0 | 0 | 100 |
| ALPHABET INC CAP STK CL C | CAP STK CL C | 02079K107 |  | 206539 | 720 | SH |  | SOLE |  | 720 | 0 | 0 |
| ALTRIA GROUP INC COM | COM | 02209S103 |  | 75856 | 1150 | SH |  | DFND |  | 0 | 0 | 1149 |
| ALTRIA GROUP INC COM | COM | 02209S103 |  | 554712 | 8406 | SH |  | SOLE |  | 8406 | 0 | 0 |
| AMAZON COM INC COM | COM | 023135106 |  | 397339 | 1908 | SH |  | DFND |  | 0 | 0 | 1907 |
| AMAZON COM INC COM | COM | 023135106 |  | 1020278 | 4899 | SH |  | SOLE |  | 3898 | 0 | 1000 |
| APPLE INC COM | COM | 037833100 |  | 686491 | 2705 | SH |  | SOLE |  | 2604 | 0 | 100 |
| APPLE INC COM | COM | 037833100 |  | 3675196 | 14481 | SH |  | DFND |  | 0 | 0 | 14481 |
| AVANTIS EMERGING MARKETS VALUE ETF | EMERGING MKT VAL | 025072372 |  | 110363 | 1840 | SH |  | DFND |  | 0 | 0 | 1840 |
| AVANTIS EMERGING MARKETS VALUE ETF | EMERGING MKT VAL | 025072372 |  | 2086104 | 34780 | SH |  | SOLE |  | 34780 | 0 | 0 |
| AVANTIS INTERNATIONAL SMALL CAP VALUE ETF | INTL SMCP VLU | 025072802 |  | 165268 | 1655 | SH |  | DFND |  | 0 | 0 | 1655 |
| AVANTIS INTERNATIONAL SMALL CAP VALUE ETF | INTL SMCP VLU | 025072802 |  | 1532466 | 15346 | SH |  | SOLE |  | 15346 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CL A | CL A | 084670108 |  | 15080940 | 21 | SH |  | SOLE |  | 21 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | CL B NEW | 084670702 |  | 569050 | 1188 | SH |  | DFND |  | 0 | 0 | 1187 |
| BERKSHIRE HATHAWAY INC DEL CL B NEW | CL B NEW | 084670702 |  | 3032857 | 6329 | SH |  | SOLE |  | 6329 | 0 | 0 |
| BLACKROCK INC COM | COM | 09290D101 |  | 209653 | 218 | SH |  | SOLE |  | 218 | 0 | 0 |
| BRIDGEWAY OMNI SMALL CAP VALUE TAX-MANAGED ETF | EA BRIDGEWAY OMN | 02072L532 |  | 216660 | 8540 | SH |  | DFND |  | 0 | 0 | 8540 |
| BRIDGEWAY OMNI SMALL CAP VALUE TAX-MANAGED ETF | EA BRIDGEWAY OMN | 02072L532 |  | 15572791 | 613827 | SH |  | SOLE |  | 613827 | 0 | 0 |
| CATERPILLAR INC COM | COM | 149123101 |  | 221748 | 313 | SH |  | SOLE |  | 313 | 0 | 0 |
| CATERPILLAR INC COM | COM | 149123101 |  | 2694989 | 3804 | SH |  | DFND |  | 0 | 0 | 3804 |
| CHEVRON CORPORATION COM | COM | 166764100 |  | 305384 | 1476 | SH |  | SOLE |  | 1476 | 0 | 0 |
| CHEVRON CORPORATION COM | COM | 166764100 |  | 490769 | 2372 | SH |  | DFND |  | 0 | 0 | 2372 |
| COCA COLA CO COM | COM | 191216100 |  | 989 | 13 | SH |  | DFND |  | 0 | 0 | 13 |
| COCA COLA CO COM | COM | 191216100 |  | 493412 | 6488 | SH |  | SOLE |  | 6488 | 0 | 0 |
| COHERENT CORP COM | COM | 19247G107 |  | 238210 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| COSTCO WHOLESALE CORPORATION COM | COM | 22160K105 |  | 996 | 1 | SH |  | DFND |  | 0 | 0 | 1 |
| COSTCO WHOLESALE CORPORATION COM | COM | 22160K105 |  | 638712 | 641 | SH |  | SOLE |  | 641 | 0 | 0 |
| DESTINY TECH100 INC COM SHS | COM SHS | 25063F107 |  | 267800 | 10000 | SH |  | DFND |  | 0 | 0 | 10000 |
| DIMENSIONAL EMERGING MARKETS VALUE ETF | EMERGING MKTS VA | 25434V740 |  | 768473 | 21478 | SH |  | SOLE |  | 21477 | 0 | 0 |
| DIMENSIONAL INTERNATIONAL SMALL CAP VALUE ETF | INTL SMALL CAP V | 25434V781 |  | 458963 | 11637 | SH |  | SOLE |  | 11637 | 0 | 0 |
| DIMENSIONAL U.S. TARGETED VALUE ETF | US TARGETED VLU | 25434V609 |  | 5621874 | 90022 | SH |  | SOLE |  | 90022 | 0 | 0 |
| DIMENSIONAL US SUSTAINABILITY CORE 1 ETF | US SUSTAINABILTY | 25434V716 |  | 15440184 | 375765 | SH |  | SOLE |  | 375765 | 0 | 0 |
| DUCOMMUN INC DEL COM | COM | 264147109 |  | 7591938 | 62229 | SH |  | DFND |  | 0 | 0 | 62229 |
| EATON CORP PLC SHS | SHS | G29183103 |  | 28971 | 81 | SH |  | DFND |  | 0 | 0 | 81 |
| EATON CORP PLC SHS | SHS | G29183103 |  | 278267 | 778 | SH |  | SOLE |  | 778 | 0 | 0 |
| ELBIT SYS LTD ORD | ORD | M3760D101 |  | 509454 | 600 | SH |  | SOLE |  | 600 | 0 | 0 |
| ENCOMPASS HEALTH CORP COM | COM | 29261A100 |  | 5200 | 54 | SH |  | DFND |  | 0 | 0 | 53 |
| ENCOMPASS HEALTH CORP COM | COM | 29261A100 |  | 229954 | 2377 | SH |  | SOLE |  | 2377 | 0 | 0 |
| EXXON MOBIL CORP COM | COM | 30231G102 |  | 142514 | 840 | SH |  | SOLE |  | 840 | 0 | 0 |
| EXXON MOBIL CORP COM | COM | 30231G102 |  | 405240 | 2389 | SH |  | DFND |  | 0 | 0 | 2388 |
| F N B CORP COM | COM | 302520101 |  | 364095 | 21776 | SH |  | SOLE |  | 21776 | 0 | 0 |
| FASTENAL CO COM | COM | 311900104 |  | 93 | 2 | SH |  | DFND |  | 0 | 0 | 2 |
| FASTENAL CO COM | COM | 311900104 |  | 214368 | 4620 | SH |  | SOLE |  | 4620 | 0 | 0 |
| FIDELITY ENHANCED INTERNATIONAL ETF | ENHANCED INTL | 31609A404 |  | 238207 | 6403 | SH |  | DFND |  | 0 | 0 | 6403 |
| FIDELITY ENHANCED LARGE CAP GROWTH ETF | ENHANCED LARGE | 31609A305 |  | 529406 | 14121 | SH |  | SOLE |  | 14121 | 0 | 0 |
| FIFTH THIRD BANCORP COM | COM | 316773100 |  | 339762 | 7313 | SH |  | SOLE |  | 7313 | 0 | 0 |
| FREEDOM 100 EMERGING MARKETS ETF | FREEDOM 100 EM | 02072L607 |  | 249969 | 4574 | SH |  | SOLE |  | 4574 | 0 | 0 |
| GOLDMAN SACHS JUST U.S. LARGE CAP EQUITY ETF | JUST US LRG CP | 381430396 |  | 569408 | 6156 | SH |  | SOLE |  | 6156 | 0 | 0 |
| HOME DEPOT INC COM | COM | 437076102 |  | 23680 | 72 | SH |  | DFND |  | 0 | 0 | 72 |
| HOME DEPOT INC COM | COM | 437076102 |  | 354872 | 1079 | SH |  | SOLE |  | 1079 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS COM | COM | 459200101 |  | 183858 | 759 | SH |  | DFND |  | 0 | 0 | 758 |
| INTERNATIONAL BUSINESS MACHS COM | COM | 459200101 |  | 197096 | 813 | SH |  | SOLE |  | 688 | 0 | 125 |
| INVESCO QQQ TRUST SERIES I | UNIT SER 1 | 46090E103 |  | 5772 | 10 | SH |  | DFND |  | 0 | 0 | 10 |
| INVESCO QQQ TRUST SERIES I | UNIT SER 1 | 46090E103 |  | 600575 | 1041 | SH |  | SOLE |  | 1040 | 0 | 0 |
| ISHARES BITCOIN TRUST ETF | SHS BEN INT | 46438F101 |  | 787418 | 20495 | SH |  | SOLE |  | 20495 | 0 | 0 |
| ISHARES CORE S 500 ETF | CORE S ETF | 464287200 |  | 4 | 0 | SH |  | DFND |  | 0 | 0 | 0 |
| ISHARES CORE S 500 ETF | CORE S ETF | 464287200 |  | 908701 | 1391 | SH |  | SOLE |  | 1391 | 0 | 0 |
| ISHARES CORE S TOTAL U.S. STOCK MARKET ETF | CORE S TTL STK | 464287150 |  | 2259 | 16 | SH |  | DFND |  | 0 | 0 | 15 |
| ISHARES CORE S TOTAL U.S. STOCK MARKET ETF | CORE S TTL STK | 464287150 |  | 1307747 | 9182 | SH |  | SOLE |  | 9181 | 0 | 0 |
| ISHARES CORE S US VALUE ETF | CORE S US VLU | 464287663 |  | 215339 | 2106 | SH |  | SOLE |  | 2106 | 0 | 0 |
| ISHARES ESG MSCI KLD 400 ETF | ESG MSCI KLD 400 | 464288570 |  | 2995453 | 24717 | SH |  | SOLE |  | 24717 | 0 | 0 |
| ISHARES GOLD TRUST | ISHARES NEW | 464285204 |  | 6194769 | 70267 | SH |  | SOLE |  | 70267 | 0 | 0 |
| ISHARES MSCI ACWI ETF | MSCI ACWI ETF | 464288257 |  | 227611 | 1645 | SH |  | SOLE |  | 1644 | 0 | 0 |
| ISHARES MSCI EAFE ETF | MSCI EAFE ETF | 464287465 |  | 423195 | 4357 | SH |  | SOLE |  | 4357 | 0 | 0 |
| ISHARES MSCI EMERGING MARKETS ETF | MSCI EMG MKT ETF | 464287234 |  | 444098 | 7820 | SH |  | SOLE |  | 7820 | 0 | 0 |
| ISHARES MSCI USA MIN VOL FACTOR ETF | MSCI USA MIN VOL | 46429B697 |  | 495788 | 5346 | SH |  | SOLE |  | 5346 | 0 | 0 |
| ISHARES RUSSELL 1000 ETF | RUS 1000 ETF | 464287622 |  | 341584 | 958 | SH |  | SOLE |  | 958 | 0 | 0 |
| ISHARES RUSSELL 1000 GROWTH ETF | RUS 1000 GRW ETF | 464287614 |  | 822952 | 1930 | SH |  | SOLE |  | 1930 | 0 | 0 |
| ISHARES RUSSELL 1000 VALUE ETF | RUS 1000 VAL ETF | 464287598 |  | 458536 | 2146 | SH |  | SOLE |  | 2146 | 0 | 0 |
| ISHARES SILVER TRUST | ISHARES | 46428Q109 |  | 407545 | 5981 | SH |  | SOLE |  | 5981 | 0 | 0 |
| ISHARES TIPS BOND ETF | TIPS BD ETF | 464287176 |  | 644459 | 5840 | SH |  | SOLE |  | 5839 | 0 | 0 |
| JPMORGAN CHASE  CO COM | COM | 46625H100 |  | 40006 | 136 | SH |  | DFND |  | 0 | 0 | 136 |
| JPMORGAN CHASE  CO COM | COM | 46625H100 |  | 337402 | 1147 | SH |  | SOLE |  | 1047 | 0 | 100 |
| LOCKHEED MARTIN CORP COM | COM | 539830109 |  | 81593 | 135 | SH |  | SOLE |  | 135 | 0 | 0 |
| LOCKHEED MARTIN CORP COM | COM | 539830109 |  | 121482 | 201 | SH |  | DFND |  | 0 | 0 | 201 |
| MASTERCARD INCORPORATED CL A | CL A | 57636Q104 |  | 2423 | 5 | SH |  | DFND |  | 0 | 0 | 4 |
| MASTERCARD INCORPORATED CL A | CL A | 57636Q104 |  | 233841 | 468 | SH |  | SOLE |  | 468 | 0 | 0 |
| MERCK  CO INC COM | COM | 58933Y105 |  | 2767 | 23 | SH |  | DFND |  | 0 | 0 | 23 |
| MERCK  CO INC COM | COM | 58933Y105 |  | 323099 | 2686 | SH |  | SOLE |  | 2686 | 0 | 0 |
| META PLATFORMS INC CL A | CL A | 30303M102 |  | 54924 | 96 | SH |  | DFND |  | 0 | 0 | 96 |
| META PLATFORMS INC CL A | CL A | 30303M102 |  | 251165 | 439 | SH |  | SOLE |  | 339 | 0 | 100 |
| MICROSOFT CORP COM | COM | 594918104 |  | 338706 | 915 | SH |  | DFND |  | 0 | 0 | 915 |
| MICROSOFT CORP COM | COM | 594918104 |  | 1011957 | 2734 | SH |  | SOLE |  | 2733 | 0 | 0 |
| NVIDIA CORPORATION COM | COM | 67066G104 |  | 168805 | 968 | SH |  | DFND |  | 0 | 0 | 967 |
| NVIDIA CORPORATION COM | COM | 67066G104 |  | 2224105 | 12753 | SH |  | SOLE |  | 11452 | 0 | 1300 |
| ORACLE CORP COM | COM | 68389X105 |  | 8238 | 56 | SH |  | DFND |  | 0 | 0 | 56 |
| ORACLE CORP COM | COM | 68389X105 |  | 450009 | 3059 | SH |  | SOLE |  | 3059 | 0 | 0 |
| PALANTIR TECHNOLOGIES INC CL A | CL A | 69608A108 |  | 11995 | 82 | SH |  | DFND |  | 0 | 0 | 82 |
| PALANTIR TECHNOLOGIES INC CL A | CL A | 69608A108 |  | 219420 | 1500 | SH |  | SOLE |  | 1500 | 0 | 0 |
| PHILIP MORRIS INTL INC COM | COM | 718172109 |  | 827 | 5 | SH |  | DFND |  | 0 | 0 | 5 |
| PHILIP MORRIS INTL INC COM | COM | 718172109 |  | 716749 | 4335 | SH |  | SOLE |  | 4335 | 0 | 0 |
| PINNACLE FINL PARTNERS INC COM | COM | 72348N109 |  | 17486 | 203 | SH |  | SOLE |  | 203 | 0 | 0 |
| PINNACLE FINL PARTNERS INC COM | COM | 72348N109 |  | 364028 | 4226 | SH |  | DFND |  | 0 | 0 | 4226 |
| PNC FINL SVCS GROUP INC COM | COM | 693475105 |  | 144160 | 693 | SH |  | DFND |  | 0 | 0 | 692 |
| PNC FINL SVCS GROUP INC COM | COM | 693475105 |  | 210379 | 1011 | SH |  | SOLE |  | 1011 | 0 | 0 |
| PROCTER  GAMBLE CO COM | COM | 742718109 |  | 136207 | 943 | SH |  | SOLE |  | 943 | 0 | 0 |
| PROCTER  GAMBLE CO COM | COM | 742718109 |  | 136438 | 945 | SH |  | DFND |  | 0 | 0 | 944 |
| SCHWAB FUNDAMENTAL EMERGING MARKETS EQUITY ETF | FUNDAMENTAL EMER | 808524730 |  | 26208 | 685 | SH |  | DFND |  | 0 | 0 | 685 |
| SCHWAB FUNDAMENTAL EMERGING MARKETS EQUITY ETF | FUNDAMENTAL EMER | 808524730 |  | 690325 | 18043 | SH |  | SOLE |  | 18043 | 0 | 0 |
| SCHWAB U.S. BROAD MARKET ETF | US BRD MKT ETF | 808524102 |  | 90661 | 3612 | SH |  | DFND |  | 0 | 0 | 3612 |
| SCHWAB U.S. BROAD MARKET ETF | US BRD MKT ETF | 808524102 |  | 312796 | 12462 | SH |  | SOLE |  | 12462 | 0 | 0 |
| SCHWAB U.S. LARGE-CAP ETF | US LRG CAP ETF | 808524201 |  | 642256 | 25049 | SH |  | SOLE |  | 25049 | 0 | 0 |
| SCHWAB US DIVIDEND EQUITY ETF | US DIVIDEND EQ | 808524797 |  | 219147 | 7143 | SH |  | SOLE |  | 7143 | 0 | 0 |
| SPDR GOLD SHARES | GOLD SHS | 78463V107 |  | 344232 | 800 | SH |  | DFND |  | 0 | 0 | 800 |
| STATE STREET SPDR DOW JONES REIT ETF | STATE STREET SPD | 78464A607 |  | 908225 | 8995 | SH |  | SOLE |  | 8995 | 0 | 0 |
| STATE STREET SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF | STATE STREET SPD | 78463X889 |  | 319641 | 7002 | SH |  | SOLE |  | 7002 | 0 | 0 |
| STRIVE 500 ETF | STRIVE 500 ETF | 02072L680 |  | 42 | 1 | SH |  | DFND |  | 0 | 0 | 1 |
| STRIVE 500 ETF | STRIVE 500 ETF | 02072L680 |  | 457431 | 10899 | SH |  | SOLE |  | 10899 | 0 | 0 |
| STRYKER CORPORATION COM | COM | 863667101 |  | 329 | 1 | SH |  | DFND |  | 0 | 0 | 1 |
| STRYKER CORPORATION COM | COM | 863667101 |  | 223770 | 681 | SH |  | SOLE |  | 681 | 0 | 0 |
| TESLA INC COM | COM | 88160R101 |  | 19703 | 53 | SH |  | SOLE |  | 53 | 0 | 0 |
| TESLA INC COM | COM | 88160R101 |  | 195169 | 525 | SH |  | DFND |  | 0 | 0 | 525 |
| VANGUARD DIVIDEND APPRECIATION ETF | DIV APP ETF | 921908844 |  | 5922537 | 27539 | SH |  | SOLE |  | 27539 | 0 | 0 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | VAN FTSE DEV MKT | 921943858 |  | 544488 | 8497 | SH |  | SOLE |  | 8497 | 0 | 0 |
| VANGUARD INTERMEDIATE-TERM BOND ETF | INTERMED TERM | 921937819 |  | 250835 | 3250 | SH |  | DFND |  | 0 | 0 | 3250 |
| VANGUARD LARGE-CAP ETF | LARGE CAP ETF | 922908637 |  | 10547612 | 35294 | SH |  | SOLE |  | 35294 | 0 | 0 |
| VANGUARD MID-CAP ETF | MID CAP ETF | 922908629 |  | 2071429 | 7213 | SH |  | SOLE |  | 7213 | 0 | 0 |
| VANGUARD REAL ESTATE ETF | REAL ESTATE ETF | 922908553 |  | 80007 | 902 | SH |  | DFND |  | 0 | 0 | 902 |
| VANGUARD REAL ESTATE ETF | REAL ESTATE ETF | 922908553 |  | 123000955 | 1386708 | SH |  | SOLE |  | 1386707 | 0 | 0 |
| VANGUARD S 500 ETF | S 500 ETF SHS | 922908363 |  | 2680609 | 4486 | SH |  | SOLE |  | 4486 | 0 | 0 |
| VANGUARD SMALL CAP VALUE ETF | SM CP VAL ETF | 922908611 |  | 629808 | 2899 | SH |  | SOLE |  | 2899 | 0 | 0 |
| VANGUARD SMALL-CAP ETF | SMALL CP ETF | 922908751 |  | 1355698 | 5176 | SH |  | SOLE |  | 5176 | 0 | 0 |
| VANGUARD TOTAL STOCK MARKET ETF | TOTAL STK MKT | 922908769 |  | 648023 | 2020 | SH |  | DFND |  | 0 | 0 | 2019 |
| VANGUARD TOTAL STOCK MARKET ETF | TOTAL STK MKT | 922908769 |  | 272554060 | 849581 | SH |  | SOLE |  | 849580 | 0 | 0 |
| VISA INC COM CL A | COM CL A | 92826C839 |  | 13903 | 46 | SH |  | DFND |  | 0 | 0 | 46 |
| VISA INC COM CL A | COM CL A | 92826C839 |  | 399561 | 1322 | SH |  | SOLE |  | 1322 | 0 | 0 |
| WALMART INC COM | COM | 931142103 |  | 1740 | 14 | SH |  | DFND |  | 0 | 0 | 14 |
| WALMART INC COM | COM | 931142103 |  | 764446 | 6151 | SH |  | SOLE |  | 6151 | 0 | 0 |

---