<SEC-DOCUMENT>0001104659-25-074455.txt : 20250806
<SEC-HEADER>0001104659-25-074455.hdr.sgml : 20250806
<ACCEPTANCE-DATETIME>20250806060643
ACCESSION NUMBER:		0001104659-25-074455
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20250630
FILED AS OF DATE:		20250806
DATE AS OF CHANGE:		20250806
EFFECTIVENESS DATE:		20250806

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Atlantic Union Bankshares Corp
		CENTRAL INDEX KEY:			0000883948
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		ORGANIZATION NAME:           	02 Finance
		EIN:				540412820
		STATE OF INCORPORATION:			VA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-16124
		FILM NUMBER:		251187269

	BUSINESS ADDRESS:	
		STREET 1:		4300 COX ROAD
		CITY:			GLEN ALLEN
		STATE:			VA
		ZIP:			23060
		BUSINESS PHONE:		800-990-4828

	MAIL ADDRESS:	
		STREET 1:		4300 COX ROAD
		CITY:			GLEN ALLEN
		STATE:			VA
		ZIP:			23060

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140430

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	UNION FIRST MARKET BANKSHARES CORP
		DATE OF NAME CHANGE:	20140424

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	Union Bankshares Corp
		DATE OF NAME CHANGE:	20140424
</SEC-HEADER>
<DOCUMENT>
<TYPE>13F-HR
<SEQUENCE>1
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          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>06-30-2025</periodOfReport>
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          <ns1:city>Glen Allen</ns1:city>
          <ns1:stateOrCountry>VA</ns1:stateOrCountry>
          <ns1:zipCode>23060</ns1:zipCode>
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    <signatureBlock>
      <name>Robert M. Gorman</name>
      <title>Executive Vice President and Chief Financial Officer</title>
      <phone>804-633-5031</phone>
      <signature>/s/ Robert M. Gorman</signature>
      <city>Richmond</city>
      <stateOrCountry>VA</stateOrCountry>
      <signatureDate>08-05-2025</signatureDate>
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    <nameOfIssuer>AMGEN INC</nameOfIssuer>
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    <nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>
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    <nameOfIssuer>ARCHER DANIELS MIDLAND CO</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>ARCOSA INC COM</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>ARES CAPITAL CORP</nameOfIssuer>
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    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
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    <nameOfIssuer>ARES CAPITAL CORP</nameOfIssuer>
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      <None>4410</None>
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    <nameOfIssuer>ARES CAPITAL CORP COM</nameOfIssuer>
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    <cusip>04010L103</cusip>
    <value>1791189</value>
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      <None>0</None>
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    <nameOfIssuer>ARES CAPITAL CORPORATION</nameOfIssuer>
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      <sshPrnamt>250</sshPrnamt>
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      <Sole>250</Sole>
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      <None>0</None>
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      <Shared>0</Shared>
      <None>64</None>
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    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
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    <value>34377</value>
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      <sshPrnamt>336</sshPrnamt>
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      <None>336</None>
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    <nameOfIssuer>ARISTA NETWORKS INC</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>ARISTA NETWORKS INC NEW</nameOfIssuer>
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    <value>841597</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8226</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>8226</Sole>
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      <None>0</None>
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    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
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      <sshPrnamt>650</sshPrnamt>
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      <None>650</None>
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    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
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    <value>4312</value>
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      <sshPrnamt>48</sshPrnamt>
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      <Sole>0</Sole>
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      <None>48</None>
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    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
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    <cusip>00214Q302</cusip>
    <value>33603</value>
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      <sshPrnamt>1380</sshPrnamt>
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      <None>1380</None>
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    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
    <titleOfClass>INNOVATION ETF</titleOfClass>
    <cusip>00214Q104</cusip>
    <value>46392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <nameOfIssuer>ARK ETF TR</nameOfIssuer>
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    <value>14024</value>
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      <sshPrnamt>95</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>0</Sole>
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    <nameOfIssuer>ARM HOLDINGS PLC</nameOfIssuer>
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    <cusip>042068205</cusip>
    <value>105131</value>
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      <None>650</None>
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    <nameOfIssuer>ARTISAN PARTNERS ASSET MANAGEMENT INC.</nameOfIssuer>
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      <Sole>1275</Sole>
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      <None>0</None>
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    <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
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      <sshPrnamt>7813</sshPrnamt>
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    <nameOfIssuer>ASML HOLDING N V</nameOfIssuer>
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    <cusip>N07059210</cusip>
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      <sshPrnamt>10</sshPrnamt>
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    <cusip>N07059210</cusip>
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    <cusip>N07059210</cusip>
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      <sshPrnamt>19</sshPrnamt>
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    <nameOfIssuer>AST SPACEMOBILE INC</nameOfIssuer>
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      <None>601</None>
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    <nameOfIssuer>ASTERA LABS INC</nameOfIssuer>
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      <sshPrnamt>21</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>21</None>
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    <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <nameOfIssuer>ASTRAZENECA PLC</nameOfIssuer>
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    <value>4333</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>62</None>
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  <infoTable>
    <nameOfIssuer>ASTRAZENECA PLC ADR</nameOfIssuer>
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    <cusip>046353108</cusip>
    <value>3308189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>47341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>0</None>
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      <Sole>3922</Sole>
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      <Sole>26040</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>17780</None>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>00206R102</cusip>
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      <sshPrnamt>11280</sshPrnamt>
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      <None>11280</None>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>00206R102</cusip>
    <value>180962</value>
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      <sshPrnamt>6253</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC COM</nameOfIssuer>
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    <shrsOrPrnAmt>
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    <otherManager>1</otherManager>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>AT&amp;T INC.</nameOfIssuer>
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    <value>225356</value>
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      <sshPrnamt>7787</sshPrnamt>
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      <None>475</None>
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  <infoTable>
    <nameOfIssuer>ATLANTA BRAVES HLDGS INC</nameOfIssuer>
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      <None>400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP</nameOfIssuer>
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    <cusip>04911A107</cusip>
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      <sshPrnamt>31636</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>ATLANTIC UN BANKSHARES CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
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    <nameOfIssuer>BOOKING HOLDINGS INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>BOOKING HOLDINGS INC COM</nameOfIssuer>
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    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR</nameOfIssuer>
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      <None>3805</None>
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    <nameOfIssuer>BOOZ ALLEN HAMILTON HLDG COR</nameOfIssuer>
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    <nameOfIssuer>BP PLC</nameOfIssuer>
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    <nameOfIssuer>BP PLC SPONSORED ADR</nameOfIssuer>
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    <nameOfIssuer>BRIGHTHOUSE FINL INC</nameOfIssuer>
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      <None>9</None>
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  <infoTable>
    <nameOfIssuer>BRIGHTHOUSE FINL INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>BRINKER INTL INC</nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB</nameOfIssuer>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO</nameOfIssuer>
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  <infoTable>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB CO COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>BRISTOL-MYERS SQUIBB COMPANY</nameOfIssuer>
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    <nameOfIssuer>BROADCOM INC.</nameOfIssuer>
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    <nameOfIssuer>BROADRIDGE FINANCIAL SOLUTIONS INC.</nameOfIssuer>
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    <nameOfIssuer>BROADRIDGE FINL SOLUTIONS IN</nameOfIssuer>
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    <nameOfIssuer>BROOKFIELD ASSET MANAGMT LTD</nameOfIssuer>
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      <sshPrnamt>15730</sshPrnamt>
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    <nameOfIssuer>BROOKFIELD CORP</nameOfIssuer>
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    <nameOfIssuer>BROOKFIELD CORP</nameOfIssuer>
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      <Sole>89602</Sole>
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    <nameOfIssuer>BROOKFIELD CORP             NVP</nameOfIssuer>
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    <cusip>11271J107</cusip>
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      <sshPrnamt>65962</sshPrnamt>
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      <Sole>65962</Sole>
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    <nameOfIssuer>BROOKFIELD INFRAST PARTNERS</nameOfIssuer>
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    <nameOfIssuer>BUILDERS FIRSTSOURCE INC</nameOfIssuer>
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    <nameOfIssuer>BURKE HERBERT FINL SVCS CORP</nameOfIssuer>
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    <nameOfIssuer>C3 AI INC</nameOfIssuer>
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    <nameOfIssuer>CADENCE DESIGN SYSTEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Sole>660</Sole>
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    <nameOfIssuer>CAESARS ENTERTAINMENT INC NE</nameOfIssuer>
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      <None>23</None>
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    <nameOfIssuer>CAL MAINE FOODS INC</nameOfIssuer>
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    <value>14945</value>
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    <nameOfIssuer>CAMECO CORP</nameOfIssuer>
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      <Sole>0</Sole>
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      <None>1000</None>
    </votingAuthority>
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    <nameOfIssuer>CANADIAN IMPERIAL BK COMM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>136069101</cusip>
    <value>35415</value>
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      <sshPrnamt>500</sshPrnamt>
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    <otherManager>3</otherManager>
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    <nameOfIssuer>CANADIAN NAT RES LTD</nameOfIssuer>
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    <value>16</value>
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      <None>1</None>
    </votingAuthority>
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  <infoTable>
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    <cusip>136375102</cusip>
    <value>12381</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>119</None>
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    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>318</value>
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      <None>4</None>
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  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY COM</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>CANADIAN PACIFIC KANSAS CITY COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CAPITAL BANCORP INC MD</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>139737100</cusip>
    <value>11753</value>
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      <sshPrnamt>350</sshPrnamt>
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      <Sole>350</Sole>
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      <None>0</None>
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    <nameOfIssuer>CDW CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>CELSIUS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>15118V207</cusip>
    <value>21711</value>
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      <None>468</None>
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    <nameOfIssuer>CENCORA INC</nameOfIssuer>
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    <cusip>03073E105</cusip>
    <value>2999</value>
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    <nameOfIssuer>CENOVUS ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>15135U109</cusip>
    <value>26656</value>
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      <sshPrnamt>1960</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CENTENE CORP DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>15135B101</cusip>
    <value>75992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CENTRAL SECS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>155123102</cusip>
    <value>16512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>345</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>345</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CGI INC</nameOfIssuer>
    <titleOfClass>CL A SUB VTG</titleOfClass>
    <cusip>12532H104</cusip>
    <value>42666</value>
    <shrsOrPrnAmt>
      <sshPrnamt>407</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>407</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHARGEPOINT HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>15961R105</cusip>
    <value>612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>870</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHARGEPOINT HOLDINGS INC</nameOfIssuer>
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    <cusip>15961R105</cusip>
    <value>4</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>16119P108</cusip>
    <value>19623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>48</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS INC N</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>16119P108</cusip>
    <value>2045</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHARTER COMMUNICATIONS, INC.</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>16119P108</cusip>
    <value>2862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>7</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHECK POINT SOFTWARE TECH LT</nameOfIssuer>
    <titleOfClass>ORD</titleOfClass>
    <cusip>M22465104</cusip>
    <value>16594</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>75</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEMED CORPORATON</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>16359R103</cusip>
    <value>875421</value>
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      <sshPrnamt>1798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1798</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHEMOURS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>163851108</cusip>
    <value>1913</value>
    <shrsOrPrnAmt>
      <sshPrnamt>167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>167</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEMUNG FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>164024101</cusip>
    <value>72705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>1500</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
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    <cusip>16411R208</cusip>
    <value>7631947</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31340</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>31340</None>
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  <infoTable>
    <nameOfIssuer>CHENIERE ENERGY INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>16411R208</cusip>
    <value>2441</value>
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      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>10</None>
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    <nameOfIssuer>CHENIERE ENERGY, INC</nameOfIssuer>
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    <cusip>16411R208</cusip>
    <value>87667</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>360</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>1614290</value>
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      <sshPrnamt>11274</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11274</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>197201</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1377</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>1377</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>166764100</cusip>
    <value>482693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORP NEW COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>166764100</cusip>
    <value>7123559</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>49749</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
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    <cusip>166764100</cusip>
    <value>4034258</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>166764100</cusip>
    <value>12743</value>
    <shrsOrPrnAmt>
      <sshPrnamt>89</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>89</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHEVRON CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>166764100</cusip>
    <value>2856211</value>
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      <sshPrnamt>19947</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>19057</Sole>
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      <None>890</None>
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  <infoTable>
    <nameOfIssuer>CHIMERA INVT CORP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>16934Q802</cusip>
    <value>890</value>
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      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>64</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>169656105</cusip>
    <value>687838</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12250</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>12250</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHIPOTLE MEXICAN GRILL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>169656105</cusip>
    <value>39530</value>
    <shrsOrPrnAmt>
      <sshPrnamt>704</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>704</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHOICE HOTELS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>169905106</cusip>
    <value>7867</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>23178</value>
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      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>42589</value>
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      <sshPrnamt>147</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>147</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHUBB LIMITED</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>101981</value>
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      <sshPrnamt>352</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>352</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHUBB LIMITED COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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    <value>324486</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1120</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CHUBB LTD SWITZERLAND</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>549552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1897</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1897</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CHURCH &amp; DWIGHT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>171340102</cusip>
    <value>113890</value>
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      <sshPrnamt>1185</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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      <None>1185</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>CIGNA CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>125523100</cusip>
    <value>3110427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9409</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>9409</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>172908105</cusip>
    <value>93383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CINTAS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>172908105</cusip>
    <value>9807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>44</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>44</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>382741</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5517</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>17275R102</cusip>
    <value>555714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8010</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>CISCO SYS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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    <value>249074</value>
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    <nameOfIssuer>CISCO SYS INC COM</nameOfIssuer>
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    <nameOfIssuer>CISCO SYSTEMS INC</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>CISCO SYSTEMS, INC</nameOfIssuer>
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      <None>275</None>
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    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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      <None>319</None>
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    <nameOfIssuer>CITIGROUP INC</nameOfIssuer>
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    <nameOfIssuer>CITIGROUP INC COM NEW</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>CITIGROUP INC NEW</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>CITIZENS &amp; NORTHN CORP</nameOfIssuer>
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      <Sole>0</Sole>
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      <None>782</None>
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    <nameOfIssuer>CITIZENS FINL GROUP INC</nameOfIssuer>
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    <nameOfIssuer>CIVITAS RESOURCES INC</nameOfIssuer>
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      <Sole>555</Sole>
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      <None>0</None>
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    <nameOfIssuer>CLEVELAND CLIFFS INC</nameOfIssuer>
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      <Sole>10080</Sole>
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      <None>0</None>
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    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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      <None>1074</None>
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    <nameOfIssuer>CLOROX CO DEL</nameOfIssuer>
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    <otherManager>3</otherManager>
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      <None>1570</None>
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    <nameOfIssuer>CLOROX COMPANY</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>CLOUDFLARE INC</nameOfIssuer>
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    <cusip>18915M107</cusip>
    <value>19583</value>
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    <nameOfIssuer>CLOUDFLARE INC</nameOfIssuer>
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      <None>800</None>
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    <nameOfIssuer>CLOVER HEALTH INVESTMENTS CO</nameOfIssuer>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
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    <nameOfIssuer>CME GROUP INC</nameOfIssuer>
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      <None>113</None>
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    <nameOfIssuer>CMS ENERGY CORP</nameOfIssuer>
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    <nameOfIssuer>CMS ENERGY CORPORATION</nameOfIssuer>
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      <Sole>229</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>1270034</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>17951</None>
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    <nameOfIssuer>COCA COLA CO</nameOfIssuer>
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      <None>4574</None>
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    <nameOfIssuer>COCA COLA CO                COM</nameOfIssuer>
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    <cusip>191216100</cusip>
    <value>1482194</value>
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    <nameOfIssuer>COCA COLA CO COM</nameOfIssuer>
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    <value>123388</value>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>COCA COLA CO COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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    <value>2294069</value>
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      <Sole>32425</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COCA-COLA COMPANY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>191216100</cusip>
    <value>1640693</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>23190</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>COGENT COMMUNICATIONS HLDGS</nameOfIssuer>
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    <cusip>19239V302</cusip>
    <value>39726</value>
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      <None>824</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COGNEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>192422103</cusip>
    <value>57794</value>
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      <sshPrnamt>1822</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>1822</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COGNEX CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>192422103</cusip>
    <value>36383</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>1147</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COGNIZANT TECHNOLOGY SOLUTIO</nameOfIssuer>
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    <cusip>192446102</cusip>
    <value>4916</value>
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    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>63</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COHEN &amp; STEERS QUALITY INCOM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>19247L106</cusip>
    <value>6437</value>
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      <sshPrnamt>517</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>517</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>COHEN &amp; STEERS REIT &amp; PFD &amp; IN COM</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>19247X100</cusip>
    <value>1114227</value>
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      <sshPrnamt>48934</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48934</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COHERENT CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>19247G107</cusip>
    <value>39</value>
    <shrsOrPrnAmt>
      <sshPrnamt>0</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>COINBASE GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>19260Q107</cusip>
    <value>3856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
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      <None>0</None>
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    <nameOfIssuer>CYBERARK SOFTWARE LTD</nameOfIssuer>
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      <Shared>0</Shared>
      <None>3696</None>
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    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>D R HORTON INC</nameOfIssuer>
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      <None>14824</None>
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      <None>0</None>
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    <nameOfIssuer>DANAHER CORP</nameOfIssuer>
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    <nameOfIssuer>DANAHER CORPORATION</nameOfIssuer>
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      <Sole>7590</Sole>
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      <None>0</None>
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    <nameOfIssuer>DARDEN RESTAURANTS INC</nameOfIssuer>
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      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>75</None>
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    <nameOfIssuer>DARDEN RESTAURANTS INC</nameOfIssuer>
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      <None>125</None>
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    <nameOfIssuer>DATADOG INC</nameOfIssuer>
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      <None>24316</None>
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    <nameOfIssuer>DAVE INC</nameOfIssuer>
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      <None>12</None>
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    <nameOfIssuer>DBX ETF TR</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>82302</None>
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    <nameOfIssuer>DBX ETF TR</nameOfIssuer>
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      <sshPrnamt>631</sshPrnamt>
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      <None>631</None>
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    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
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      <None>1359</None>
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    <nameOfIssuer>DEERE &amp; CO</nameOfIssuer>
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    <nameOfIssuer>DEERE &amp; CO COM</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>DEERE &amp; CO.</nameOfIssuer>
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    <cusip>244199105</cusip>
    <value>777949</value>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL C</titleOfClass>
    <cusip>24703L202</cusip>
    <value>613</value>
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      <None>5</None>
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  <infoTable>
    <nameOfIssuer>DELL TECHNOLOGIES INC</nameOfIssuer>
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    <cusip>24703L202</cusip>
    <value>2220</value>
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      <None>18</None>
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    <nameOfIssuer>DELTA AIR LINES INC DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>247361702</cusip>
    <value>76029</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>1546</None>
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    <nameOfIssuer>DEVON ENERGY CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <otherManager>1</otherManager>
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      <Sole>10776</Sole>
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      <None>0</None>
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    <nameOfIssuer>DEXCOM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>252131107</cusip>
    <value>69832</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>800</None>
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    <nameOfIssuer>DIAGEO PLC ADR</nameOfIssuer>
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    <cusip>25243Q205</cusip>
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    <otherManager>1</otherManager>
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      <Sole>3626</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DICKS SPORTING GOODS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253393102</cusip>
    <value>39562</value>
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      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>200</None>
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  <infoTable>
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    <value>198</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>1</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>108306</value>
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      <sshPrnamt>621</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>621</None>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>253868103</cusip>
    <value>397055</value>
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      <sshPrnamt>2278</sshPrnamt>
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      <None>2278</None>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>253868103</cusip>
    <value>104075</value>
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  <infoTable>
    <nameOfIssuer>DIGITAL RLTY TR INC COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>253868103</cusip>
    <value>1535673</value>
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      <sshPrnamt>8809</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>8809</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTERNATNAL VAL</titleOfClass>
    <cusip>25434V807</cusip>
    <value>833023</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>19450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>INTL SMALL CAP V</titleOfClass>
    <cusip>25434V781</cusip>
    <value>95992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2917</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>2917</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US CORE EQUITY 2</titleOfClass>
    <cusip>25434V708</cusip>
    <value>210446</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5872</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5872</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US EQUITY MARKET</titleOfClass>
    <cusip>25434V401</cusip>
    <value>7041983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>105073</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>105073</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US LARGE CAP VAL</titleOfClass>
    <cusip>25434V666</cusip>
    <value>4692323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>151268</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>151268</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US MKTWIDE VALUE</titleOfClass>
    <cusip>25434V724</cusip>
    <value>13081001</value>
    <shrsOrPrnAmt>
      <sshPrnamt>309390</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>309390</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US REAL ESTATE E</titleOfClass>
    <cusip>25434V823</cusip>
    <value>539970</value>
    <shrsOrPrnAmt>
      <sshPrnamt>23017</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>23017</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US SMALL CAP ETF</titleOfClass>
    <cusip>25434V500</cusip>
    <value>3285596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51571</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51571</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US SMALL CAP VAL</titleOfClass>
    <cusip>25434V815</cusip>
    <value>2194272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>74559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>74559</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL ETF TRUST</nameOfIssuer>
    <titleOfClass>US TARGETED VLU</titleOfClass>
    <cusip>25434V609</cusip>
    <value>16007776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>296660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>296660</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL INTERNATIONAL CORE EQUITY 2 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V799</cusip>
    <value>402087</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12933</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL U.S. EQUITY MARKET ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V401</cusip>
    <value>1297239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19356</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>19356</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIMENSIONAL US LARGE CAP VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>25434V666</cusip>
    <value>366998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>11831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
    <titleOfClass>20YR TRES BEAR</titleOfClass>
    <cusip>25460G849</cusip>
    <value>110820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
    <titleOfClass>DAILY S&amp;P BULL</titleOfClass>
    <cusip>25460G856</cusip>
    <value>2149</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
    <titleOfClass>DLY AEROSPC 3X</titleOfClass>
    <cusip>25460E661</cusip>
    <value>2051</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DIREXION SHS ETF TR</nameOfIssuer>
    <titleOfClass>DLY S&amp;P500 2XS</titleOfClass>
    <cusip>25459Y165</cusip>
    <value>2213</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>4934976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39795</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39795</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>330043</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2661</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>254687106</cusip>
    <value>96232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>776</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>776</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DISNEY WALT CO COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>254687106</cusip>
    <value>1822327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14695</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DNP SELECT INCOME FD        COM</nameOfIssuer>
    <titleOfClass>MUTUAL FUNDS -EQUITY</titleOfClass>
    <cusip>23325P104</cusip>
    <value>211237</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21577</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21577</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DNP SELECT INCOME FD INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23325P104</cusip>
    <value>20080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2051</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2051</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOCUSIGN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256163106</cusip>
    <value>779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLBY LABORATORIES INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>25659T107</cusip>
    <value>50497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>680</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>22876</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOLLAR GEN CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>256677105</cusip>
    <value>2746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>24</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>822480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14552</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>292451</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5174</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>25746U109</cusip>
    <value>239814</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>4243</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION ENERGY INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>25746U109</cusip>
    <value>620646</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10981</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10981</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION RES INC VA NEW</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>25746U109</cusip>
    <value>386084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINION RESOURCES, INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>1875955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33191</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>31920</Sole>
      <Shared>0</Shared>
      <None>1271</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25754A201</cusip>
    <value>34232</value>
    <shrsOrPrnAmt>
      <sshPrnamt>76</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>76</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOMINOS PIZZA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25754A201</cusip>
    <value>18</value>
    <shrsOrPrnAmt>
      <sshPrnamt>0</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOORDASH INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>25809K105</cusip>
    <value>8135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>33</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>33</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DORCHESTER MINERALS LP</nameOfIssuer>
    <titleOfClass>COM UNIT</titleOfClass>
    <cusip>25820R105</cusip>
    <value>33432</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1200</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>13240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>16736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>632</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>632</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>260557103</cusip>
    <value>221240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8185</Sole>
      <Shared>0</Shared>
      <None>170</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>DOXIMITY INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>26622P107</cusip>
    <value>15949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>260</None>
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    <nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>26142V105</cusip>
    <value>16084</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>375</None>
    </votingAuthority>
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    <nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
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    <cusip>26142V105</cusip>
    <value>25391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>592</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>592</None>
    </votingAuthority>
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    <nameOfIssuer>DRAFTKINGS INC NEW</nameOfIssuer>
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    <cusip>26142V105</cusip>
    <value>3217</value>
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      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>DRIVEN BRANDS HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26210V102</cusip>
    <value>7024</value>
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      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
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    <nameOfIssuer>DT MIDSTREAM INC</nameOfIssuer>
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    <cusip>23345M107</cusip>
    <value>8243</value>
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      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>75</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>DTE ENERGY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>4769</value>
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      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36</None>
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    <nameOfIssuer>DTE ENERGY COMPANY</nameOfIssuer>
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    <cusip>233331107</cusip>
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      <sshPrnamt>363</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>363</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DUKE ENERGY CORP</nameOfIssuer>
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      <sshPrnamt>3823</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>3623</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>26441C204</cusip>
    <value>1268264</value>
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      <sshPrnamt>10748</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10748</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
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      <sshPrnamt>1736</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1736</None>
    </votingAuthority>
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    <nameOfIssuer>DUKE ENERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>26441C204</cusip>
    <value>116976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>991</None>
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    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>26441C204</cusip>
    <value>107026</value>
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      <sshPrnamt>907</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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    <nameOfIssuer>DUKE ENERGY CORP NEW COM NEW</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>26441C204</cusip>
    <value>2366490</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>20055</Sole>
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      <None>0</None>
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    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
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      <sshPrnamt>8262</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Shared>0</Shared>
      <None>8262</None>
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    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>41703</value>
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      <sshPrnamt>608</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>608</None>
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  <infoTable>
    <nameOfIssuer>DUPONT DE NEMOURS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>26614N102</cusip>
    <value>367985</value>
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      <sshPrnamt>5365</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>5365</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>D-WAVE QUANTUM INC</nameOfIssuer>
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    <value>29280</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>2000</None>
    </votingAuthority>
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    <nameOfIssuer>EA SERIES TRUST</nameOfIssuer>
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    <cusip>02072Q846</cusip>
    <value>157</value>
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      <sshPrnamt>6</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>6</None>
    </votingAuthority>
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    <nameOfIssuer>EAGLE BANCORP INC MD</nameOfIssuer>
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      <sshPrnamt>3600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>3600</None>
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    <nameOfIssuer>EASTMAN CHEM CO</nameOfIssuer>
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    <nameOfIssuer>EASTMAN CHEMICAL COMPANY</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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      <None>23104</None>
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  <infoTable>
    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>486</None>
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  <infoTable>
    <nameOfIssuer>EATON CORP PLC</nameOfIssuer>
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    <value>6592177</value>
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      <sshPrnamt>18466</sshPrnamt>
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    <otherManager>1</otherManager>
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      <None>115</None>
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  <infoTable>
    <nameOfIssuer>EATON CORP PLC SHS</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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    <value>218478</value>
    <shrsOrPrnAmt>
      <sshPrnamt>612</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>EATON CORP PLC SHS</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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    <value>8017281</value>
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      <sshPrnamt>22458</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>22458</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EATON VANCE SR FLTNG RTE TR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27828Q105</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>20500</None>
    </votingAuthority>
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    <nameOfIssuer>EATON VANCE TAX MGD GLOBAL DIV EQUITY INCOME</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>27829F108</cusip>
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      <sshPrnamt>6500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>6500</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EBAY INC</nameOfIssuer>
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    <cusip>278642103</cusip>
    <value>1156557</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15535</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>15535</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>EBAY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278642103</cusip>
    <value>27923</value>
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      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>375</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EBAY INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>29148</value>
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      <sshPrnamt>391</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>391</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EBAY INC. COM</nameOfIssuer>
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    <cusip>278642103</cusip>
    <value>90171</value>
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      <sshPrnamt>1211</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>1211</Shared>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EBAY INC. COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>278642103</cusip>
    <value>2939755</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>39481</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
    <value>40416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>150</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ECOLAB INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
    <value>55775</value>
    <shrsOrPrnAmt>
      <sshPrnamt>207</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>207</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ECOLAB INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>278865100</cusip>
    <value>253274</value>
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      <sshPrnamt>940</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>940</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EDITAS MEDICINE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28106W103</cusip>
    <value>5</value>
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      <None>2</None>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>28176E108</cusip>
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    <nameOfIssuer>EDWARDS LIFESCIENCES CORP</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>ELBIT SYS LTD</nameOfIssuer>
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    <cusip>M3760D101</cusip>
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      <None>1</None>
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    <nameOfIssuer>ELECTRONIC ARTS INC</nameOfIssuer>
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      <None>204</None>
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      <None>257</None>
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    <nameOfIssuer>ELEVANCE HEALTH INC</nameOfIssuer>
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      <None>404</None>
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    <nameOfIssuer>ELEVANCE HEALTH INC         (FORMERLY ANTHEM)</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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    <nameOfIssuer>ELI LILLY &amp; CO</nameOfIssuer>
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    <nameOfIssuer>ELI LILLY &amp; CO COM</nameOfIssuer>
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    <nameOfIssuer>ELI LILLY &amp; CO COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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    <nameOfIssuer>ELI LILLY AND COMPANY</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>ELME COMMUNITIES</nameOfIssuer>
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    <cusip>939653101</cusip>
    <value>636</value>
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  <infoTable>
    <nameOfIssuer>ELME COMMUNITIES</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>939653101</cusip>
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    <nameOfIssuer>ELME COMMUNITIES</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>EMERSON ELEC CO COM</nameOfIssuer>
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    <nameOfIssuer>EMERSON ELEC CO COM</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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    <cusip>291011104</cusip>
    <value>787554</value>
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    <otherManager>1</otherManager>
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      <Sole>5907</Sole>
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      <None>0</None>
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    <nameOfIssuer>EMERSON ELECTRIC CO</nameOfIssuer>
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    <otherManager>1</otherManager>
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      <Sole>642</Sole>
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      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>23298</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>13914</value>
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      <sshPrnamt>307</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>307</None>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29250N105</cusip>
    <value>52073</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>1149</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENBRIDGE INC NPV</nameOfIssuer>
    <titleOfClass>FOREIGN EQUITIES</titleOfClass>
    <cusip>29250N105</cusip>
    <value>788867</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>17411</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENERGY SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>1510466</value>
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      <sshPrnamt>17810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>17745</Sole>
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      <None>65</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER EQUITY LP</nameOfIssuer>
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    <cusip>29273V100</cusip>
    <value>34628</value>
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    <otherManager>1</otherManager>
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      <Sole>1910</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENERGY TRANSFER L P</nameOfIssuer>
    <titleOfClass>COM UT LTD PTN</titleOfClass>
    <cusip>29273V100</cusip>
    <value>80679</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>4450</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENERGY VAULT HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29280W109</cusip>
    <value>2008</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>2800</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENERSYS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29275Y102</cusip>
    <value>1802</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>21</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERGY CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>29364G103</cusip>
    <value>29757</value>
    <shrsOrPrnAmt>
      <sshPrnamt>358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>358</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE COM UNITS REP LIM</nameOfIssuer>
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    <cusip>293792107</cusip>
    <value>265732</value>
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      <sshPrnamt>8572</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8572</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODS PARTNERS L</nameOfIssuer>
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    <cusip>303075105</cusip>
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      <sshPrnamt>27</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>27</Sole>
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      <None>0</None>
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    <nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>303075105</cusip>
    <value>9393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>21</None>
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  <infoTable>
    <nameOfIssuer>FACTSET RESH SYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>114</sshPrnamt>
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    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>114</None>
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    <nameOfIssuer>FASTENAL CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>311900104</cusip>
    <value>16800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>400</None>
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    <nameOfIssuer>FEDERAL REALTY INVESTMENT TRUST</nameOfIssuer>
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    <cusip>313745101</cusip>
    <value>950</value>
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      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>10</Sole>
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      <None>0</None>
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    <cusip>313745101</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>850</None>
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    <titleOfClass>SH BEN INT NEW</titleOfClass>
    <cusip>313745101</cusip>
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      <sshPrnamt>1860</sshPrnamt>
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      <Shared>0</Shared>
      <None>1860</None>
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      <None>0</None>
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    <nameOfIssuer>FERRARI N V</nameOfIssuer>
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      <sshPrnamt>243</sshPrnamt>
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      <None>243</None>
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    <nameOfIssuer>FERRARI N V</nameOfIssuer>
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      <sshPrnamt>1</sshPrnamt>
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      <None>1</None>
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      <None>1250</None>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
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      <None>68</None>
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    <cusip>316092345</cusip>
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      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>80</None>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
    <titleOfClass>ENHANCED INTL</titleOfClass>
    <cusip>31609A404</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>106</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <None>106</None>
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      <sshPrnamt>3051</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <nameOfIssuer>FIDELITY COVINGTON TRUST</nameOfIssuer>
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      <None>1280</None>
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      <None>291</None>
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      <None>400</None>
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      <None>1000</None>
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    <nameOfIssuer>FIDELITY ETHEREUM FD</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>200</None>
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    <nameOfIssuer>FIDELITY MSCI INFO TECH</nameOfIssuer>
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      <Sole>2657</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>FIDELITY NATIONAL FINANCIAL</nameOfIssuer>
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      <sshPrnamtType>SH</sshPrnamtType>
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      <Sole>0</Sole>
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  <infoTable>
    <nameOfIssuer>FIDELITY NATL INFORMATION SV</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>FIDELITY WISE ORIGIN BITCOIN</nameOfIssuer>
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      <Sole>0</Sole>
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      <None>400</None>
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  <infoTable>
    <nameOfIssuer>FIDELITY WISE ORIGIN BITCOIN</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
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  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
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    <value>23280</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>566</None>
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  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>6828</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIFTH THIRD BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>316773100</cusip>
    <value>36194</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>880</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>397645</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>7593</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FINANCIAL SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>5271407</value>
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      <sshPrnamt>100657</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>99648</Sole>
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      <None>1009</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST AMERICAN FINANCIAL CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>31847R102</cusip>
    <value>36220</value>
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      <sshPrnamt>590</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>590</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST COMMONWEALTH FINANCIAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>319829107</cusip>
    <value>3384669</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>208544</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST CTZNS BANCSHARES INC N</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>31946M103</cusip>
    <value>2054294</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>1050</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>1306442</value>
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      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7892</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST SOLAR INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>336433107</cusip>
    <value>16554</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>JAPAN ALPHADEX</titleOfClass>
    <cusip>33737J158</cusip>
    <value>5157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCH TRD ALPHDX FD</nameOfIssuer>
    <titleOfClass>INDIA NFTY50 EQW</titleOfClass>
    <cusip>33737J802</cusip>
    <value>398801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>NASD TECH DIV</titleOfClass>
    <cusip>33738R118</cusip>
    <value>9017</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>DJ GLBL DIVID</titleOfClass>
    <cusip>33734X200</cusip>
    <value>104695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3802</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3802</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>INTL EQUITY OPP</titleOfClass>
    <cusip>33734X853</cusip>
    <value>64670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1145</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1145</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>NASDAQ CYB ETF</titleOfClass>
    <cusip>33734X846</cusip>
    <value>1136</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE TRADED FD</nameOfIssuer>
    <titleOfClass>RISNG DIVD ACHIV</titleOfClass>
    <cusip>33738R506</cusip>
    <value>7516859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>119810</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33734K109</cusip>
    <value>16494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED ALP</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>33735B108</cusip>
    <value>44447</value>
    <shrsOrPrnAmt>
      <sshPrnamt>387</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>387</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>NO AMER ENERGY</titleOfClass>
    <cusip>33738D101</cusip>
    <value>4047004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>107891</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>107891</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SMID RISNG ETF</titleOfClass>
    <cusip>33741X102</cusip>
    <value>424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>DJ INTERNT IDX</titleOfClass>
    <cusip>33733E302</cusip>
    <value>548356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2036</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2036</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>FT VEST RIS</titleOfClass>
    <cusip>33738D879</cusip>
    <value>1389260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56223</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>56223</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TR EXCHANGE-TRADED FD</nameOfIssuer>
    <titleOfClass>SMID RISNG ETF</titleOfClass>
    <cusip>33741X102</cusip>
    <value>33516</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>950</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TRUST DJ INTERNET IND</nameOfIssuer>
    <titleOfClass>DJ INTERNT IDX</titleOfClass>
    <cusip>33733E302</cusip>
    <value>84839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>315</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TRUST NYSE ARCA BIOTECHNOLOGY INDEX FUN</nameOfIssuer>
    <titleOfClass>NY ARCA BIOTECH</titleOfClass>
    <cusip>33733E203</cusip>
    <value>16133</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>100</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRST TRUST US EQUITY OPPORTUNITIES ETF</nameOfIssuer>
    <titleOfClass>US EQTY OPPT ETF</titleOfClass>
    <cusip>336920103</cusip>
    <value>57964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>4510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>112</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FIRSTENERGY CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337932107</cusip>
    <value>16104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISCALNOTE HOLDINGS, INC.</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>337655104</cusip>
    <value>2976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5549</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5549</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>337738108</cusip>
    <value>187583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1088</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1088</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FISERV INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>337738108</cusip>
    <value>232754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLOOR &amp; DECOR HLDGS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>339750101</cusip>
    <value>988</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FLUOR CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>343412102</cusip>
    <value>2820</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>55</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FMC CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>302491303</cusip>
    <value>2505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MOTOR COMPANY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>8192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>755</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>755</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>4894</value>
    <shrsOrPrnAmt>
      <sshPrnamt>451</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>451</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORD MTR CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>345370860</cusip>
    <value>16420</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1513</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>34959E109</cusip>
    <value>1048919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9922</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9922</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959E109</cusip>
    <value>475740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959E109</cusip>
    <value>1058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>34959E109</cusip>
    <value>103606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>980</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>980</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTINET INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>34959E109</cusip>
    <value>4281977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40503</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>40503</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>168120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3225</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTIVE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34959J108</cusip>
    <value>789352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15142</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTREA HLDGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>34965K107</cusip>
    <value>2016</value>
    <shrsOrPrnAmt>
      <sshPrnamt>408</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>408</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>FORTUNE BRANDS INNOVATIONS I</nameOfIssuer>
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    <nameOfIssuer>FRANKLIN TEMPLETON ETF TR</nameOfIssuer>
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    <nameOfIssuer>FREEPORT-MCMORAN COPPER &amp; GOLD INC</nameOfIssuer>
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    <nameOfIssuer>FRESENIUS MEDICAL CARE AG</nameOfIssuer>
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    <nameOfIssuer>FS KKR CAP CORP</nameOfIssuer>
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    <nameOfIssuer>FULTON FINANCIAL CORPORATION</nameOfIssuer>
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    <nameOfIssuer>GALLAGHER ARTHUR J &amp; CO</nameOfIssuer>
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    <nameOfIssuer>GAMESTOP CORP NEW</nameOfIssuer>
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    <nameOfIssuer>GE AEROSPACE</nameOfIssuer>
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    <nameOfIssuer>GE AEROSPACE (FORMERLY GENERAL ELECTRIC CO)</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>GENERAL MILLS INC</nameOfIssuer>
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    <nameOfIssuer>GENERAL MOTORS CO</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>GILEAD SCIENCES, INC.</nameOfIssuer>
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    <nameOfIssuer>GITLAB INC</nameOfIssuer>
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    <nameOfIssuer>GLADSTONE INVT CORP COM</nameOfIssuer>
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    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
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      <None>865</None>
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    <value>7168</value>
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      <sshPrnamt>187</sshPrnamt>
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      <None>187</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>RBTCS ARTFL INTE</titleOfClass>
    <cusip>37954Y715</cusip>
    <value>29822</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>913</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>US INFR DEV ETF</titleOfClass>
    <cusip>37954Y673</cusip>
    <value>88</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>2</None>
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  <infoTable>
    <nameOfIssuer>GLOBAL X FDS</nameOfIssuer>
    <titleOfClass>WIND ENERGY ETF</titleOfClass>
    <cusip>37960A800</cusip>
    <value>1198</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBAL X SUPERDIVIDEND ETF</nameOfIssuer>
    <titleOfClass>SUPERDIVIDEND</titleOfClass>
    <cusip>37960A669</cusip>
    <value>5187</value>
    <shrsOrPrnAmt>
      <sshPrnamt>230</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>230</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GLOBANT S A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>L44385109</cusip>
    <value>909</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA US LG</titleOfClass>
    <cusip>381430503</cusip>
    <value>4856</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA INT</titleOfClass>
    <cusip>381430107</cusip>
    <value>8964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>226</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS ETF TR</nameOfIssuer>
    <titleOfClass>ACTIVEBETA US LG</titleOfClass>
    <cusip>381430503</cusip>
    <value>29496</value>
    <shrsOrPrnAmt>
      <sshPrnamt>243</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>243</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>38141G104</cusip>
    <value>2497629</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3529</sshPrnamt>
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      <None>1964</None>
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    <nameOfIssuer>GRAYSCALE BITCOIN MINI TR ETF</nameOfIssuer>
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      <sshPrnamt>20</sshPrnamt>
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    <nameOfIssuer>GRAYSCALE BITCOIN TRUST</nameOfIssuer>
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    <nameOfIssuer>GRAYSCALE BITCOIN TRUST ETF</nameOfIssuer>
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    <nameOfIssuer>GRAYSCALE BITCOIN TRUST ETF</nameOfIssuer>
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    <cusip>389637109</cusip>
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      <sshPrnamt>266</sshPrnamt>
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    <nameOfIssuer>GRAYSCALE ETHEREUM MINI TR E</nameOfIssuer>
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      <None>7</None>
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      <Sole>18675</Sole>
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    <nameOfIssuer>HCA HEALTHCARE INC</nameOfIssuer>
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      <None>125</None>
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    <nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR</nameOfIssuer>
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    <nameOfIssuer>HEALTH CARE SELECT SECTOR SPDR FUND</nameOfIssuer>
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    <value>232243</value>
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    <nameOfIssuer>HEALTHPEAK PROPERTIES INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>HEALTHPEAK PROPERTIES INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>1457</None>
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    <nameOfIssuer>HEIDRICK &amp; STRUGGLES INTL IN</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>2212</None>
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    <nameOfIssuer>HENRY JACK &amp; ASSOC INC</nameOfIssuer>
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      <sshPrnamt>10</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>10</None>
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    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
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    <cusip>427866108</cusip>
    <value>41488</value>
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      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>250</None>
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    <nameOfIssuer>HERSHEY CO</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>1961</None>
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    <nameOfIssuer>HEWLETT PACKARD ENTERPRISE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>42824C109</cusip>
    <value>10614</value>
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      <sshPrnamt>519</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>519</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>HF SINCLAIR CORP</nameOfIssuer>
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    <nameOfIssuer>ILLINOIS TOOL WKS INC</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>INVESCO BULLETSHS 2026</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J791</cusip>
    <value>1806626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>92557</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <nameOfIssuer>INVESCO BULLETSHS 2027</nameOfIssuer>
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    <cusip>46138J783</cusip>
    <value>2453040</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>124905</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO BULLETSHS 2029</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J577</cusip>
    <value>3286931</value>
    <shrsOrPrnAmt>
      <sshPrnamt>175871</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>175871</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO BULLETSHS 2030</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J460</cusip>
    <value>5051441</value>
    <shrsOrPrnAmt>
      <sshPrnamt>301225</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <votingAuthority>
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      <None>0</None>
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    <nameOfIssuer>INVESCO BULLETSHS 2031</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138J429</cusip>
    <value>4635186</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280586</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>280586</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO BULLETSHS 2032</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46139W858</cusip>
    <value>5270105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>255959</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <nameOfIssuer>INVESCO BUYBACK ACHIEVERS ETF</nameOfIssuer>
    <titleOfClass>BUYBACK ACHIEV</titleOfClass>
    <cusip>46137V308</cusip>
    <value>189602</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1534</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1534</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO DB MULTI-SECTOR COMM</nameOfIssuer>
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    <cusip>46140H403</cusip>
    <value>3966</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>300</None>
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    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
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    <cusip>46138G649</cusip>
    <value>118774</value>
    <shrsOrPrnAmt>
      <sshPrnamt>523</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>523</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>NASDAQ 100 ETF</titleOfClass>
    <cusip>46138G649</cusip>
    <value>66216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>292</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>292</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>NASDAQNXTGEN100</titleOfClass>
    <cusip>46138G631</cusip>
    <value>9754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>305</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>305</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>RAFI DVLPD MRKTS</titleOfClass>
    <cusip>46138E743</cusip>
    <value>6489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
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      <None>113</None>
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    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>RAFI EMRGNG MRKT</titleOfClass>
    <cusip>46138E727</cusip>
    <value>7298</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
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      <None>312</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCH TRADED FD TR II</nameOfIssuer>
    <titleOfClass>S&amp;P SMALLCAP ENE</titleOfClass>
    <cusip>46138G474</cusip>
    <value>147132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3786</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
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      <None>3786</None>
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    <nameOfIssuer>INVESCO EXCH TRD SLF IDX FD</nameOfIssuer>
    <titleOfClass>RAFI STRATGIC US</titleOfClass>
    <cusip>46138J742</cusip>
    <value>155</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>3</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>AEROSPACE DEFN</titleOfClass>
    <cusip>46137V100</cusip>
    <value>42507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>RAFI US 1500</titleOfClass>
    <cusip>46137V597</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1040</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>1040</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P MDCP QUALITY</titleOfClass>
    <cusip>46137V472</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>199538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>199538</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1397</sshPrnamt>
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      <None>1397</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>WATER RES ETF</titleOfClass>
    <cusip>46137V142</cusip>
    <value>442041</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6323</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
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      <None>6323</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>BLOOMBERG MVP MU</titleOfClass>
    <cusip>46137V712</cusip>
    <value>39317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>813</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>813</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>ENERGY EXPLORATI</titleOfClass>
    <cusip>46137V761</cusip>
    <value>104411</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3730</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>3730</None>
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    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>NASDAQ INTERNT</titleOfClass>
    <cusip>46137V530</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>1500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>1500</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>PHARMACEUTICALS</titleOfClass>
    <cusip>46137V662</cusip>
    <value>1381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>17</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>RAFI US 1500</titleOfClass>
    <cusip>46137V597</cusip>
    <value>28144</value>
    <shrsOrPrnAmt>
      <sshPrnamt>692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>692</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>124297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>684</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD T</nameOfIssuer>
    <titleOfClass>S&amp;P500 QUALITY</titleOfClass>
    <cusip>46137V241</cusip>
    <value>9193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>129</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>129</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHANGE TRADED FD TR  S&amp;P500 EQL WGT</nameOfIssuer>
    <titleOfClass>S&amp;P500 EQL WGT</titleOfClass>
    <cusip>46137V357</cusip>
    <value>639361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3518</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3518</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO EXCHNG TRADED FD TR II</nameOfIssuer>
    <titleOfClass>MSCI GBL TIMBR</titleOfClass>
    <cusip>46138E545</cusip>
    <value>18042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>600</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO HIGH INCOME TR II</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46131F101</cusip>
    <value>25830</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2362</None>
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  <infoTable>
    <nameOfIssuer>INVESCO PREFERRED ETF</nameOfIssuer>
    <titleOfClass>PFD ETF</titleOfClass>
    <cusip>46138E511</cusip>
    <value>801</value>
    <shrsOrPrnAmt>
      <sshPrnamt>72</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>72</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>4929479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8936</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>1532296</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2778</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2778</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TR</nameOfIssuer>
    <titleOfClass>UNIT SER 1</titleOfClass>
    <cusip>46090E103</cusip>
    <value>187006</value>
    <shrsOrPrnAmt>
      <sshPrnamt>339</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>339</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO QQQ TRUST SERIES I</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46090E103</cusip>
    <value>133497</value>
    <shrsOrPrnAmt>
      <sshPrnamt>242</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>242</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>INVESCO QQQ TRUST SERIES I</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46090E103</cusip>
    <value>797120</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1445</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1445</Sole>
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      <None>250</None>
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    <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46137V357</cusip>
    <value>27624</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>INVESCO S&amp;P 500 EQUAL WEIGHT ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46137V357</cusip>
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      <Sole>3357</Sole>
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      <None>0</None>
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    <nameOfIssuer>INVESCO VALUE MUN INCOME TR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46132P108</cusip>
    <value>50431</value>
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      <sshPrnamt>4332</sshPrnamt>
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      <None>4332</None>
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    <nameOfIssuer>IONIS PHARMACEUTICALS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>462222100</cusip>
    <value>7902</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>200</None>
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    <nameOfIssuer>IONQ INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>IONQ INC</nameOfIssuer>
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    <nameOfIssuer>IOVANCE BIOTHERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>462260100</cusip>
    <value>1376</value>
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      <None>800</None>
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    <nameOfIssuer>IPERIONX LIMITED</nameOfIssuer>
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    <cusip>44916E100</cusip>
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      <None>0</None>
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    <nameOfIssuer>IPG PHOTONICS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>44980X109</cusip>
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      <sshPrnamt>1300</sshPrnamt>
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      <None>1300</None>
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    <nameOfIssuer>IRON MTN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46284V101</cusip>
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      <None>909</None>
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    <nameOfIssuer>IRON MTN INC DEL COM</nameOfIssuer>
    <titleOfClass>REIT</titleOfClass>
    <cusip>46284V101</cusip>
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      <None>0</None>
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    <nameOfIssuer>ISABELLA BANK CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>464214105</cusip>
    <value>77274</value>
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      <sshPrnamt>2563</sshPrnamt>
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    <nameOfIssuer>ISHARES</nameOfIssuer>
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    <cusip>464288638</cusip>
    <value>226216</value>
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      <sshPrnamt>4245</sshPrnamt>
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    <nameOfIssuer>ISHARES</nameOfIssuer>
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    <value>5835</value>
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    <nameOfIssuer>ISHARES 1-3 YR TREASURY BOND ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES BARCLAYS</nameOfIssuer>
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    <nameOfIssuer>ISHARES BARCLAYS TIPS BOND FUND</nameOfIssuer>
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    <nameOfIssuer>ISHARES BITCOIN TRUST ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES BITCOIN TRUST ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES COHEN &amp; STEERS REALTY MAJORS INDEX</nameOfIssuer>
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    <nameOfIssuer>ISHARES CORE DIVIDEND GROWTH ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES CORE MSCI EAFE ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES CORE MSCI EMERGING MARKETS ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES CORE MSCI EMERGING MARKETS ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES CORE S&amp;P 500 ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287507</cusip>
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    <nameOfIssuer>ISHARES CORE S&amp;P MID-CAP ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES CORE S&amp;P SMALL CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287804</cusip>
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    <nameOfIssuer>ISHARES CORE S&amp;P SMALL CAP ETF</nameOfIssuer>
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    <nameOfIssuer>ISHARES CORE S&amp;P SMALLCAP</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464287804</cusip>
    <value>1117364</value>
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      <sshPrnamt>10224</sshPrnamt>
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    <nameOfIssuer>ISHARES CORE S&amp;P TOTAL U.S. STOCK MARKET ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287150</cusip>
    <value>213228</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1579</sshPrnamt>
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    <nameOfIssuer>ISHARES CORE S&amp;P U.S. GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287671</cusip>
    <value>349078</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2321</sshPrnamt>
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      <Sole>2321</Sole>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P US GROWTH</nameOfIssuer>
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    <cusip>464287671</cusip>
    <value>33046189</value>
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      <sshPrnamt>219722</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>219593</Sole>
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  <infoTable>
    <nameOfIssuer>ISHARES CORE S&amp;P VALUE ETF</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US VLU</titleOfClass>
    <cusip>464287663</cusip>
    <value>33359630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>352527</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>352343</Sole>
      <Shared>0</Shared>
      <None>185</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DOW JONES SELECT DIVIDEND</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
    <cusip>464287168</cusip>
    <value>370407</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DOW JONES US HEALTHCARE SECTOR INDEX</nameOfIssuer>
    <titleOfClass>US HLTHCARE ETF</titleOfClass>
    <cusip>464287762</cusip>
    <value>42360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES DOW JONES US TECHNOLOGY SECTOR INDEX</nameOfIssuer>
    <titleOfClass>U.S. TECH ETF</titleOfClass>
    <cusip>464287721</cusip>
    <value>10038571</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>55176</Sole>
      <Shared>0</Shared>
      <None>2760</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES EDGE MSCI USA QUALITY</nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
    <cusip>46432F339</cusip>
    <value>76419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES EXPONENTIAL TECHNOLOGY ETF</nameOfIssuer>
    <titleOfClass>EXPONENTIAL TECH</titleOfClass>
    <cusip>46434V381</cusip>
    <value>198752</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3046</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3046</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>65042</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1043</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1043</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>83376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1337</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1337</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>SHARES REPRESENT</titleOfClass>
    <cusip>46436F103</cusip>
    <value>1650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TR</nameOfIssuer>
    <titleOfClass>ISHARES NEW</titleOfClass>
    <cusip>464285204</cusip>
    <value>98466</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1579</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1579</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES GOLD TRUST</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464285204</cusip>
    <value>244638</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3923</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3923</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES HIGH DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>CORE HIGH DV ETF</titleOfClass>
    <cusip>46429B663</cusip>
    <value>87878</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>750</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2025 CORP ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC25 ETF</titleOfClass>
    <cusip>46434VBD1</cusip>
    <value>5143292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>204261</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2025 MUNI ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 25</titleOfClass>
    <cusip>46435U432</cusip>
    <value>863578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>32267</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>32267</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2026 CORP ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC2026</titleOfClass>
    <cusip>46435GAA0</cusip>
    <value>6054570</value>
    <shrsOrPrnAmt>
      <sshPrnamt>249673</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>249673</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2026 MUNI ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 26</titleOfClass>
    <cusip>46435U259</cusip>
    <value>1123056</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43830</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>43830</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2027 CORP ETF</nameOfIssuer>
    <titleOfClass>IBONDS 27 ETF</titleOfClass>
    <cusip>46435UAA9</cusip>
    <value>6172152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>254312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2027 MUNI ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 27</titleOfClass>
    <cusip>46435U283</cusip>
    <value>1292723</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50995</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>50995</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2028 CORP ETF</nameOfIssuer>
    <titleOfClass>IBDS DEC28 ETF</titleOfClass>
    <cusip>46435U515</cusip>
    <value>6046655</value>
    <shrsOrPrnAmt>
      <sshPrnamt>237870</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>237870</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2028 MUNI ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 28</titleOfClass>
    <cusip>46435U325</cusip>
    <value>1605556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>63186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>63186</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2029 CORP ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 29</titleOfClass>
    <cusip>46436E205</cusip>
    <value>5927126</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>254056</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2029 MUNI ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2029</titleOfClass>
    <cusip>46436E163</cusip>
    <value>1415706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>56112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>56112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2030 CORP ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2030</titleOfClass>
    <cusip>46436E726</cusip>
    <value>5733769</value>
    <shrsOrPrnAmt>
      <sshPrnamt>260863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>260863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2030 MUNI ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2030</titleOfClass>
    <cusip>46438G687</cusip>
    <value>1295035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50469</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>50469</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2031 CORP ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2031</titleOfClass>
    <cusip>46436E486</cusip>
    <value>5914113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>281089</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>281089</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2031 MUNI ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2031</titleOfClass>
    <cusip>46438G356</cusip>
    <value>116383</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4582</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2032 CORP ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2032</titleOfClass>
    <cusip>46436E312</cusip>
    <value>5561361</value>
    <shrsOrPrnAmt>
      <sshPrnamt>219947</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>219947</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2033</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46436E148</cusip>
    <value>4336644</value>
    <shrsOrPrnAmt>
      <sshPrnamt>177008</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>177008</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2033 CORP ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2033</titleOfClass>
    <cusip>46436E130</cusip>
    <value>5264959</value>
    <shrsOrPrnAmt>
      <sshPrnamt>203241</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>203241</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2033 TERM TREASURY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46436E148</cusip>
    <value>353924</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>14440</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2033 TERM TREASURY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46436E148</cusip>
    <value>18147498</value>
    <shrsOrPrnAmt>
      <sshPrnamt>740412</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>740412</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2034     TREAS ETF</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46438G646</cusip>
    <value>4339691</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168863</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>168863</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2034 CORP ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2034</titleOfClass>
    <cusip>46438G653</cusip>
    <value>4463579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>170822</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2034 TERM TREASURY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46438G646</cusip>
    <value>254205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9889</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>9889</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2034 TERM TREASURY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46438G646</cusip>
    <value>15688918</value>
    <shrsOrPrnAmt>
      <sshPrnamt>610326</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>610326</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2035 CORP ETF</nameOfIssuer>
    <titleOfClass>IBONDS DEC 2035</titleOfClass>
    <cusip>46438G372</cusip>
    <value>311858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES IBONDS DEC 2044     TREAS ETF</nameOfIssuer>
    <titleOfClass>ETF - FIXED</titleOfClass>
    <cusip>46438G638</cusip>
    <value>2983427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120352</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>120352</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES IBONDS DEC 2044 TERM TREASURY ETF</nameOfIssuer>
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    <cusip>46438G638</cusip>
    <value>246082</value>
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      <Shared>9924</Shared>
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    <nameOfIssuer>ISHARES IBONDS DEC 2044 TERM TREASURY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46438G638</cusip>
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    <nameOfIssuer>ISHARES IBOXX $ INVESTMENT GRADE CORP BONDS</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
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    <shrsOrPrnAmt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>CORE MSCI EMKT</titleOfClass>
    <cusip>46434G103</cusip>
    <value>2830415</value>
    <shrsOrPrnAmt>
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      <None>47150</None>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>GLB ENR PROD ETF</titleOfClass>
    <cusip>464286343</cusip>
    <value>5455</value>
    <shrsOrPrnAmt>
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      <None>230</None>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI EURZONE ETF</titleOfClass>
    <cusip>464286608</cusip>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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    <cusip>46434G822</cusip>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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    <cusip>46434G103</cusip>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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    <cusip>464286426</cusip>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
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    <cusip>464286533</cusip>
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    <nameOfIssuer>ISHARES INC</nameOfIssuer>
    <titleOfClass>MSCI JPN ETF NEW</titleOfClass>
    <cusip>46434G822</cusip>
    <value>900</value>
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      <None>12</None>
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    <nameOfIssuer>ISHARES INTERNATIONAL SELECT</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464288448</cusip>
    <value>403753</value>
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    <nameOfIssuer>ISHARES INTERNATIONAL SELECT DIVIDEND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>479585</value>
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    <nameOfIssuer>ISHARES LEHMAN AGGREGATE BOND FUND</nameOfIssuer>
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    <cusip>464287226</cusip>
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    <nameOfIssuer>ISHARES MSCI ACWI EX U.S. ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288240</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>ISHARES MSCI ACWI EX U.S. ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464288240</cusip>
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    <nameOfIssuer>ISHARES MSCI ACWI EX US ETF</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464288240</cusip>
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    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
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    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
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    <cusip>464287465</cusip>
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    <nameOfIssuer>ISHARES MSCI EAFE ETF</nameOfIssuer>
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    <cusip>464287465</cusip>
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    <nameOfIssuer>ISHARES MSCI EMERGING MARKETS INDEX</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>ISHARES MSCI GERMANY ETF</nameOfIssuer>
    <titleOfClass>MSCI GERMANY ETF</titleOfClass>
    <cusip>464286806</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
    <cusip>464287556</cusip>
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    <nameOfIssuer>ISHARES NATIONAL MUNI BD</nameOfIssuer>
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    <nameOfIssuer>ISHARES PREFERRED &amp; INCOME SECURITIES ETF</nameOfIssuer>
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    <cusip>464288687</cusip>
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    <nameOfIssuer>ISHARES RUSSELL 1000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287622</cusip>
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    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH ETF</nameOfIssuer>
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    <cusip>464287614</cusip>
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    <shrsOrPrnAmt>
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    <nameOfIssuer>ISHARES RUSSELL 1000 GROWTH INDEX</nameOfIssuer>
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    <cusip>464287614</cusip>
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    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287598</cusip>
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    <nameOfIssuer>ISHARES RUSSELL 1000 VALUE INDEX</nameOfIssuer>
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    <cusip>464287598</cusip>
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    <nameOfIssuer>ISHARES RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287655</cusip>
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    <nameOfIssuer>ISHARES RUSSELL 2000 GROWTH</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>329597</value>
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    <nameOfIssuer>ISHARES RUSSELL 2000 INDEX FUND</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
    <value>977529</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4530</sshPrnamt>
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    <nameOfIssuer>ISHARES RUSSELL 2000 VALUE INDEX FUND</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>134727</value>
    <shrsOrPrnAmt>
      <sshPrnamt>854</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>3972552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43194</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>43194</Shared>
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  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>64354812</value>
    <shrsOrPrnAmt>
      <sshPrnamt>699737</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>699737</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>41881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>302</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>302</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>612688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4418</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4418</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP GROWTH INDEX</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>1289863</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9301</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP INDEX FUND</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>86452</value>
    <shrsOrPrnAmt>
      <sshPrnamt>940</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>940</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL MIDCAP VALUE INDEX</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>380695</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2881</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2881</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200     GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464289438</cusip>
    <value>2509688</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10181</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10181</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200     GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464289438</cusip>
    <value>28841</value>
    <shrsOrPrnAmt>
      <sshPrnamt>117</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>117</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>4933158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20012</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>20012</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES RUSSELL TOP 200 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464289438</cusip>
    <value>109398426</value>
    <shrsOrPrnAmt>
      <sshPrnamt>443789</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>443789</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 100 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287101</cusip>
    <value>212132</value>
    <shrsOrPrnAmt>
      <sshPrnamt>697</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>697</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>652893</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5930</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5930</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 GROWTH INDEX FUND</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>536077</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4869</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4869</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 INDEX FUND</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>29909995</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>323029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1653</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1653</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P 500 VALUE INDEX</nameOfIssuer>
    <titleOfClass>S&amp;P 500 VAL ETF</titleOfClass>
    <cusip>464287408</cusip>
    <value>404324</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2069</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2069</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P GLOBAL TECHNOLOGY SECTOR INDEX FD</nameOfIssuer>
    <titleOfClass>GLOBAL TECH ETF</titleOfClass>
    <cusip>464287291</cusip>
    <value>2557910</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27701</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27701</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>464287507</cusip>
    <value>209626</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3380</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3380</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400 GROWTH INDEX FUND</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>217533</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2391</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2391</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400 INDEX</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>6266935</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101047</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>101047</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MID-CAP 400 VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>206873</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1674</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1674</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P MIDCAP 400/BARRA VALUE INDEX</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>145577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1178</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALL CAP 600 GROWTH</nameOfIssuer>
    <titleOfClass>S&amp;P SML 600 GWT</titleOfClass>
    <cusip>464287887</cusip>
    <value>71176</value>
    <shrsOrPrnAmt>
      <sshPrnamt>535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>535</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALLCAP 600 INDEX FUND</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>13061248</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>118880</Sole>
      <Shared>0</Shared>
      <None>630</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES S&amp;P SMALLCAP 600 VALUE INDEX</nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF</titleOfClass>
    <cusip>464287879</cusip>
    <value>29847</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>300</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES SHORT TREASURY BOND ETF</nameOfIssuer>
    <titleOfClass>SHORT TREAS BD</titleOfClass>
    <cusip>464288679</cusip>
    <value>56314</value>
    <shrsOrPrnAmt>
      <sshPrnamt>510</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>510</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE DIV GRWTH</titleOfClass>
    <cusip>46434V621</cusip>
    <value>191872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3001</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3001</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>599759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7184</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>146889378</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2368419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2368419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>61236957</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>560316</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>40512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
    <cusip>464287671</cusip>
    <value>136263</value>
    <shrsOrPrnAmt>
      <sshPrnamt>906</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>906</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US VLU</titleOfClass>
    <cusip>464287663</cusip>
    <value>69080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>730</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>730</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>117006020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>188446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>188446</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE TOTAL USD</titleOfClass>
    <cusip>46434V613</cusip>
    <value>35366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>765</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG MSCI KLD 400</titleOfClass>
    <cusip>464288570</cusip>
    <value>81312</value>
    <shrsOrPrnAmt>
      <sshPrnamt>700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>700</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPONENTIAL TECH</titleOfClass>
    <cusip>46434V381</cusip>
    <value>295192</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4524</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4524</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GL CLEAN ENE ETF</titleOfClass>
    <cusip>464288224</cusip>
    <value>9964</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>760</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOB HLTHCRE ETF</titleOfClass>
    <cusip>464287325</cusip>
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      <Shared>0</Shared>
      <None>450</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX INV CP ETF</titleOfClass>
    <cusip>464287242</cusip>
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    <shrsOrPrnAmt>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES BIOTECH</titleOfClass>
    <cusip>464287556</cusip>
    <value>44912</value>
    <shrsOrPrnAmt>
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      <None>355</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES SEMICDTR</titleOfClass>
    <cusip>464287523</cusip>
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    <shrsOrPrnAmt>
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      <None>402</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>226247</value>
    <shrsOrPrnAmt>
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      <None>2531</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INTL QUALTY</titleOfClass>
    <cusip>46434V456</cusip>
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    <shrsOrPrnAmt>
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      <None>1176478</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA QLT FCT</titleOfClass>
    <cusip>46432F339</cusip>
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    <shrsOrPrnAmt>
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      <None>258</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
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    <value>9890656</value>
    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>29127</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
    <value>1588354</value>
    <shrsOrPrnAmt>
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      <Shared>0</Shared>
      <None>3741</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 VAL ETF</titleOfClass>
    <cusip>464287598</cusip>
    <value>1060302</value>
    <shrsOrPrnAmt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5459</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 GRW ETF</titleOfClass>
    <cusip>464287648</cusip>
    <value>62890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>220</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 2000 VAL ETF</titleOfClass>
    <cusip>464287630</cusip>
    <value>6311</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MD CP GR ETF</titleOfClass>
    <cusip>464287481</cusip>
    <value>740552</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5340</sshPrnamt>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5340</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MDCP VAL ETF</titleOfClass>
    <cusip>464287473</cusip>
    <value>190546</value>
    <shrsOrPrnAmt>
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      <None>1442</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS MID CAP ETF</titleOfClass>
    <cusip>464287499</cusip>
    <value>3339247</value>
    <shrsOrPrnAmt>
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      <None>36308</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 2000 ETF</titleOfClass>
    <cusip>464287655</cusip>
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    <shrsOrPrnAmt>
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      <None>3567</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUSSELL 3000 ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>66</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>1892</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400GR ETF</titleOfClass>
    <cusip>464287606</cusip>
    <value>20445235</value>
    <shrsOrPrnAmt>
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      <None>224722</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
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    <shrsOrPrnAmt>
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      <None>663</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SELECT DIVID ETF</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
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      <None>30</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>SP SMCP600VL ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>2000</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>TIPS BD ETF</titleOfClass>
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    <shrsOrPrnAmt>
      <sshPrnamt>2735</sshPrnamt>
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      <None>2735</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. ENERGY ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>340</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. FINLS ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>860</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. REAL ES ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>105</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>U.S. TECH ETF</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>5452</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US AER DEF ETF</titleOfClass>
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    <shrsOrPrnAmt>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSM STAPLES</titleOfClass>
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      <None>1570</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US CONSUM DISCRE</titleOfClass>
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    <shrsOrPrnAmt>
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      <None>1660</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HLTHCARE ETF</titleOfClass>
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    <value>255008</value>
    <shrsOrPrnAmt>
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      <None>4515</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US HOME CONS ETF</titleOfClass>
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    <value>11088</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
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      <None>119</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US INDUSTRIALS</titleOfClass>
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    <value>14231</value>
    <shrsOrPrnAmt>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>US OIL GS EX ETF</titleOfClass>
    <cusip>464288851</cusip>
    <value>13593</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>153</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>USD INV GRDE ETF</titleOfClass>
    <cusip>464288620</cusip>
    <value>31842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>619</sshPrnamt>
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      <None>619</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>1 3 YR TREAS BD</titleOfClass>
    <cusip>464287457</cusip>
    <value>8286</value>
    <shrsOrPrnAmt>
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      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>BROAD USD HIGH</titleOfClass>
    <cusip>46435U853</cusip>
    <value>9916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>264</sshPrnamt>
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    <otherManager>3</otherManager>
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      <Shared>0</Shared>
      <None>264</None>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE MSCI EAFE</titleOfClass>
    <cusip>46432F842</cusip>
    <value>123490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1479</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1479</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P MCP ETF</titleOfClass>
    <cusip>464287507</cusip>
    <value>217904</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3513</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3513</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P SCP ETF</titleOfClass>
    <cusip>464287804</cusip>
    <value>177406</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1623</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>496408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3676</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3676</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US GWT</titleOfClass>
    <cusip>464287671</cusip>
    <value>10135</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>67</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P US VLU</titleOfClass>
    <cusip>464287663</cusip>
    <value>43390</value>
    <shrsOrPrnAmt>
      <sshPrnamt>459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>459</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE S&amp;P500 ETF</titleOfClass>
    <cusip>464287200</cusip>
    <value>5979822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9631</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE TOTAL USD</titleOfClass>
    <cusip>46434V613</cusip>
    <value>16181</value>
    <shrsOrPrnAmt>
      <sshPrnamt>350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>350</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>CORE US AGGBD ET</titleOfClass>
    <cusip>464287226</cusip>
    <value>272304</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2745</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2745</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE SML CP ETF</titleOfClass>
    <cusip>464288273</cusip>
    <value>113331</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1559</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EAFE VALUE ETF</titleOfClass>
    <cusip>464288877</cusip>
    <value>9776</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>154</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG AW MSCI EAFE</titleOfClass>
    <cusip>46435G516</cusip>
    <value>39079</value>
    <shrsOrPrnAmt>
      <sshPrnamt>438</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>438</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ESG OPTIMIZED</titleOfClass>
    <cusip>464288802</cusip>
    <value>105456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>832</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>832</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPANDED TECH</titleOfClass>
    <cusip>464287515</cusip>
    <value>3834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>35</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>EXPONENTIAL TECH</titleOfClass>
    <cusip>46434V381</cusip>
    <value>4222</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL 100 ETF</titleOfClass>
    <cusip>464287572</cusip>
    <value>16819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>156</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>156</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>GLOBAL FINLS ETF</titleOfClass>
    <cusip>464287333</cusip>
    <value>44683</value>
    <shrsOrPrnAmt>
      <sshPrnamt>403</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>403</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>HDG MSCI EAFE</titleOfClass>
    <cusip>46434V803</cusip>
    <value>47071</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1240</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>IBOXX HI YD ETF</titleOfClass>
    <cusip>464288513</cusip>
    <value>119609</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1483</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1483</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>INTL SEL DIV ETF</titleOfClass>
    <cusip>464288448</cusip>
    <value>9766</value>
    <shrsOrPrnAmt>
      <sshPrnamt>283</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>283</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHARES SEMICDTR</titleOfClass>
    <cusip>464287523</cusip>
    <value>63256</value>
    <shrsOrPrnAmt>
      <sshPrnamt>265</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>265</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 1-5YR INVS</titleOfClass>
    <cusip>464288646</cusip>
    <value>59619</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1130</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1130</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>ISHS 5-10YR INVT</titleOfClass>
    <cusip>464288638</cusip>
    <value>7834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>147</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>JPMORGAN USD EMG</titleOfClass>
    <cusip>464288281</cusip>
    <value>3427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>37</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>37</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MBS ETF</titleOfClass>
    <cusip>464288588</cusip>
    <value>3756</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRGSTR MD CP GRW</titleOfClass>
    <cusip>464288307</cusip>
    <value>4172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MRNING SM CP ETF</titleOfClass>
    <cusip>464288703</cusip>
    <value>12524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>204</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>204</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI ACWI ETF</titleOfClass>
    <cusip>464288257</cusip>
    <value>7716</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
    <value>1554353</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17388</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17388</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EAFE MIN VL</titleOfClass>
    <cusip>46429B689</cusip>
    <value>48755</value>
    <shrsOrPrnAmt>
      <sshPrnamt>580</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>580</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI EMG MKT ETF</titleOfClass>
    <cusip>464287234</cusip>
    <value>39171</value>
    <shrsOrPrnAmt>
      <sshPrnamt>812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>812</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INTL MOMENT</titleOfClass>
    <cusip>46434V449</cusip>
    <value>366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI INTL QUALTY</titleOfClass>
    <cusip>46434V456</cusip>
    <value>2767</value>
    <shrsOrPrnAmt>
      <sshPrnamt>64</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>64</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MIN VOL</titleOfClass>
    <cusip>46429B697</cusip>
    <value>84014</value>
    <shrsOrPrnAmt>
      <sshPrnamt>895</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>895</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA MMENTM</titleOfClass>
    <cusip>46432F396</cusip>
    <value>721</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>MSCI USA VALUE</titleOfClass>
    <cusip>46432F388</cusip>
    <value>340</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>NATIONAL MUN ETF</titleOfClass>
    <cusip>464288414</cusip>
    <value>21105</value>
    <shrsOrPrnAmt>
      <sshPrnamt>202</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>202</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 ETF</titleOfClass>
    <cusip>464287622</cusip>
    <value>3110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ISHARES TR</nameOfIssuer>
    <titleOfClass>RUS 1000 GRW ETF</titleOfClass>
    <cusip>464287614</cusip>
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  <infoTable>
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    <nameOfIssuer>JACOBS SOLUTIONS INC COM</nameOfIssuer>
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    <nameOfIssuer>JETBLUE AWYS CORP</nameOfIssuer>
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    <nameOfIssuer>JOHN MARSHALL BANCORP INC</nameOfIssuer>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON</nameOfIssuer>
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    <nameOfIssuer>JOHNSON &amp; JOHNSON COM</nameOfIssuer>
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      <Sole>54722</Sole>
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    <nameOfIssuer>JOHNSON CTLS INTL PLC</nameOfIssuer>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO.</nameOfIssuer>
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      <None>6813</None>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO. COM</nameOfIssuer>
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    <nameOfIssuer>JPMORGAN CHASE &amp; CO. COM</nameOfIssuer>
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    <nameOfIssuer>KB HOME</nameOfIssuer>
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    <nameOfIssuer>KEYSIGHT TECHNOLOGIES, INC.</nameOfIssuer>
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    </votingAuthority>
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    <nameOfIssuer>KINDER MORGAN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49456B101</cusip>
    <value>40308</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1371</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1371</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINDER MORGAN INC DEL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49456B101</cusip>
    <value>231761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7883</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KINSALE CAP GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>49714P108</cusip>
    <value>19356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>40</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KKR INCOME OPPORTUNITIES FD COM</nameOfIssuer>
    <titleOfClass>CEF</titleOfClass>
    <cusip>48249T106</cusip>
    <value>166998</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13296</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>13296</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KLA CORP COM NEW</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>482480100</cusip>
    <value>496240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>554</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>554</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KLA CORP COM NEW</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>482480100</cusip>
    <value>17922862</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20009</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>20009</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KONTOOR BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>50050N103</cusip>
    <value>26124</value>
    <shrsOrPrnAmt>
      <sshPrnamt>396</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>396</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500754106</cusip>
    <value>15615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>605</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>605</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KRAFT HEINZ CO/ THE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>5835</value>
    <shrsOrPrnAmt>
      <sshPrnamt>226</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>226</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KRATOS DEFENSE &amp; SEC SOLUTIO</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>50077B207</cusip>
    <value>140</value>
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      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KROGER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>501044101</cusip>
    <value>3587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>501044101</cusip>
    <value>6456</value>
    <shrsOrPrnAmt>
      <sshPrnamt>90</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>90</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KROGER COMPANY</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>501044101</cusip>
    <value>17933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>250</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50155Q100</cusip>
    <value>32100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>765</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>765</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>KYNDRYL HLDGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50155Q100</cusip>
    <value>23162</value>
    <shrsOrPrnAmt>
      <sshPrnamt>552</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>552</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>KYNDRYL HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50155Q100</cusip>
    <value>4783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>27</Sole>
      <Shared>0</Shared>
      <None>87</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>1941916</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7742</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7742</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>81332</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>324</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>502431109</cusip>
    <value>2302210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9178</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9178</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>L3HARRIS TECHNOLOGIES INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>502431109</cusip>
    <value>2020015</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8053</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LABCORP HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>504922105</cusip>
    <value>340736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1298</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LABCORP HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>504922105</cusip>
    <value>118130</value>
    <shrsOrPrnAmt>
      <sshPrnamt>450</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>450</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LABCORP HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>504922105</cusip>
    <value>5941651</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22634</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>22602</Sole>
      <Shared>0</Shared>
      <None>32</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>512807306</cusip>
    <value>102500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1053</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1053</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAM RESEARCH CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>512807306</cusip>
    <value>9734</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMAR ADVERTISING CO NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>512816109</cusip>
    <value>3641</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAMB WESTON HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>513272104</cusip>
    <value>3889</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>518439104</cusip>
    <value>67468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>835</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>835</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>518439104</cusip>
    <value>4768</value>
    <shrsOrPrnAmt>
      <sshPrnamt>59</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>59</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAUDER ESTEE COS INC CL A</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>518439104</cusip>
    <value>459510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5687</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5687</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LAZARD GLOBAL TOTAL RETURN &amp;</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>52106W103</cusip>
    <value>12180</value>
    <shrsOrPrnAmt>
      <sshPrnamt>725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEAR CORP</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>521865204</cusip>
    <value>855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>525327102</cusip>
    <value>63104</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEIDOS HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>525327102</cusip>
    <value>1227684</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7782</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7782</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>526057104</cusip>
    <value>1055189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9540</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9540</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>526057104</cusip>
    <value>7190</value>
    <shrsOrPrnAmt>
      <sshPrnamt>65</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>65</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP CL A</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>526057104</cusip>
    <value>41479</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>375</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LENNAR CORP CL A</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>526057104</cusip>
    <value>2349356</value>
    <shrsOrPrnAmt>
      <sshPrnamt>21240</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>21240</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>LEONARDO DRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>52661A108</cusip>
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      <sshPrnamt>1500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1500</None>
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    <nameOfIssuer>LI AUTO INC</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>50202M102</cusip>
    <value>20333</value>
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      <sshPrnamt>750</sshPrnamt>
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    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>750</None>
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    <nameOfIssuer>LIBERTY ALL-STAR GROWTH FD I</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>529900102</cusip>
    <value>96415</value>
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      <sshPrnamt>17626</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17626</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LINCOLN NATL CORP IND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>534187109</cusip>
    <value>96673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2794</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2794</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G54950103</cusip>
    <value>42696</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G54950103</cusip>
    <value>47388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LINDE PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G54950103</cusip>
    <value>251480</value>
    <shrsOrPrnAmt>
      <sshPrnamt>536</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>536</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LINDE PLC NVP</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>G54950103</cusip>
    <value>3943761</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8406</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8406</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LINDE PLC NVP</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>G54950103</cusip>
    <value>18297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>39</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LINDE PLC SHS</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>G54950103</cusip>
    <value>176881</value>
    <shrsOrPrnAmt>
      <sshPrnamt>377</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>377</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LINDE PLC SHS</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>G54950103</cusip>
    <value>1411763</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3009</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3009</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>LINKBANCORP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>53578P105</cusip>
    <value>35485</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4854</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4854</None>
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    <nameOfIssuer>LISTED FDS TR</nameOfIssuer>
    <titleOfClass>ROUNDHILL BALL</titleOfClass>
    <cusip>53656F417</cusip>
    <value>8515</value>
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      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>500</None>
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    <nameOfIssuer>LISTED FDS TR</nameOfIssuer>
    <titleOfClass>OVERLAY SHS SHRT</titleOfClass>
    <cusip>53656F573</cusip>
    <value>175606</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7892</None>
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    <nameOfIssuer>LISTED FDS TR</nameOfIssuer>
    <titleOfClass>SHARES CORE BD</titleOfClass>
    <cusip>53656F862</cusip>
    <value>546976</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>26656</None>
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    <nameOfIssuer>LISTED FDS TR</nameOfIssuer>
    <titleOfClass>SHARES LAG CAP</titleOfClass>
    <cusip>53656F805</cusip>
    <value>183486</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3798</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3798</None>
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  <infoTable>
    <nameOfIssuer>LKQ CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>501889208</cusip>
    <value>2307</value>
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      <sshPrnamt>62</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>62</None>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>539830109</cusip>
    <value>1387983</value>
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      <sshPrnamt>2997</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2997</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
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    <value>889692</value>
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      <sshPrnamt>1921</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1921</None>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
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    <value>197856</value>
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      <sshPrnamt>427</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>427</None>
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    <nameOfIssuer>LOCKHEED MARTIN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>948048</value>
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      <sshPrnamt>2047</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>2047</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOCKHEED MARTIN CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>539830109</cusip>
    <value>125048</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>270</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOCKHEED MARTIN CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>539830109</cusip>
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      <sshPrnamt>5464</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>5464</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOWE'S COMPANIES, INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>4582</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOWES COMPANY INC</nameOfIssuer>
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    <value>5776038</value>
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      <sshPrnamt>26034</sshPrnamt>
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      <Sole>26034</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>LOWES COMPANY INC</nameOfIssuer>
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    <cusip>548661107</cusip>
    <value>18415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>83</Sole>
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      <None>0</None>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
    <value>10409654</value>
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      <sshPrnamt>46918</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>46918</None>
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    <nameOfIssuer>LOWES COS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>533411</value>
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      <sshPrnamt>2404</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>2404</None>
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    <nameOfIssuer>LOWES COS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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    <value>671157</value>
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      <Shared>3025</Shared>
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    <nameOfIssuer>LOWES COS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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    <value>10861424</value>
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    <otherManager>1</otherManager>
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      <Sole>48954</Sole>
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      <None>0</None>
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    <nameOfIssuer>LPL FINL HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>50212V100</cusip>
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      <None>175</None>
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    <nameOfIssuer>LUCID GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>549498103</cusip>
    <value>697</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Shared>0</Shared>
      <None>330</None>
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    <nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>550021109</cusip>
    <value>290561</value>
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      <sshPrnamt>1223</sshPrnamt>
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      <None>1223</None>
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  <infoTable>
    <nameOfIssuer>LULULEMON ATHLETICA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>550021109</cusip>
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      <sshPrnamt>90</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>90</None>
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    <value>92</value>
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      <None>21</None>
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    <nameOfIssuer>LYFT INC</nameOfIssuer>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>1</None>
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  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
    <titleOfClass>SHS - A -</titleOfClass>
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    <otherManager>2</otherManager>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>LYONDELLBASELL INDUSTRIES N</nameOfIssuer>
    <titleOfClass>SHS - A -</titleOfClass>
    <cusip>N53745100</cusip>
    <value>753</value>
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      <sshPrnamt>13</sshPrnamt>
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      <None>13</None>
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      <None>0</None>
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    <nameOfIssuer>M &amp; T BK CORP</nameOfIssuer>
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      <sshPrnamt>548</sshPrnamt>
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    <nameOfIssuer>M&amp;T BANK CORPORATION</nameOfIssuer>
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    <nameOfIssuer>MAIN STR CAP CORP</nameOfIssuer>
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    <nameOfIssuer>MAINSTREET BANCSHARES INC</nameOfIssuer>
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    <nameOfIssuer>MANULIFE FINL CORP</nameOfIssuer>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
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    <nameOfIssuer>MARATHON PETE CORP</nameOfIssuer>
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    <nameOfIssuer>MARKEL GROUP INC            FORMERLY MARKEL CO</nameOfIssuer>
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    <nameOfIssuer>MARRIOTT VACATIONS WORLDWIDE</nameOfIssuer>
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    <nameOfIssuer>MARTIN MARIETTA MATLS INC</nameOfIssuer>
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    <nameOfIssuer>MASTEC, INC.</nameOfIssuer>
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    <nameOfIssuer>MATERIALS SELECT SECTOR SPDR</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>846033</value>
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      <sshPrnamt>9635</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>9635</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MATERIALS SELECT SECTOR SPDR FUND</nameOfIssuer>
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    <cusip>81369Y100</cusip>
    <value>81751</value>
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      <sshPrnamt>931</sshPrnamt>
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      <Shared>931</Shared>
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  <infoTable>
    <nameOfIssuer>MATERIALS SELECT SECTOR SPDR FUND</nameOfIssuer>
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    <cusip>81369Y100</cusip>
    <value>2407223</value>
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      <sshPrnamt>27414</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>27414</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MATERIALS SELECT SECTOR SPDR TRUST</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>5478905</value>
    <shrsOrPrnAmt>
      <sshPrnamt>62395</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>62140</Sole>
      <Shared>0</Shared>
      <None>255</None>
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  <infoTable>
    <nameOfIssuer>MATTEL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>577081102</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>4</sshPrnamt>
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    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>4</None>
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    <nameOfIssuer>MC DONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>10916640</value>
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      <sshPrnamt>37364</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>37209</Sole>
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      <None>155</None>
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      <sshPrnamt>1700</sshPrnamt>
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    <otherManager>2</otherManager>
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      <None>1700</None>
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    <nameOfIssuer>MCCORMICK &amp; CO INC</nameOfIssuer>
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      <sshPrnamt>1423</sshPrnamt>
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    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1423</None>
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    <nameOfIssuer>MCCORMICK &amp; COMPANY, INC</nameOfIssuer>
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    <cusip>579780206</cusip>
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      <sshPrnamt>13786</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>12641</Sole>
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      <None>1145</None>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
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    <value>5977970</value>
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      <sshPrnamt>20461</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20461</None>
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    <nameOfIssuer>MCDONALDS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>409074</value>
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      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1400</None>
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    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
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    <cusip>580135101</cusip>
    <value>791723</value>
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      <sshPrnamt>2710</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>2710</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCDONALDS CORP              COM</nameOfIssuer>
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    <cusip>580135101</cusip>
    <value>12562</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>43</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>580135101</cusip>
    <value>184359</value>
    <shrsOrPrnAmt>
      <sshPrnamt>631</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>631</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>580135101</cusip>
    <value>6536719</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>22373</Sole>
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      <None>0</None>
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    <nameOfIssuer>MCKESSON CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58155Q103</cusip>
    <value>323156</value>
    <shrsOrPrnAmt>
      <sshPrnamt>441</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>441</None>
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  <infoTable>
    <nameOfIssuer>MCKESSON CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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      <sshPrnamt>358</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>358</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MEDICAL PROPERTIES TRUST, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>6012</value>
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      <sshPrnamt>1395</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1395</Sole>
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      <None>0</None>
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    <nameOfIssuer>MEDTRONIC HLDG</nameOfIssuer>
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    <cusip>G5960L103</cusip>
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      <sshPrnamt>7025</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>7025</Sole>
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      <None>0</None>
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    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
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    <otherManager>1</otherManager>
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      <Sole>8875</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
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    <value>39750</value>
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    <otherManager>2</otherManager>
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      <None>456</None>
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    <nameOfIssuer>MEDTRONIC PLC</nameOfIssuer>
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    <cusip>G5960L103</cusip>
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      <None>917</None>
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    <nameOfIssuer>MEIRAGTX HLDGS PLC</nameOfIssuer>
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    <cusip>G59665102</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>800</None>
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    <nameOfIssuer>MERCADOLIBRE INC</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC COM</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO INC COM</nameOfIssuer>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>MERCK &amp; CO NEW</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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  <infoTable>
    <nameOfIssuer>MERCK &amp; CO NEW</nameOfIssuer>
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    <nameOfIssuer>MERITAGE HOMES CORPORATION</nameOfIssuer>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS (FORMERLY    FACEBOOK INC)</nameOfIssuer>
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    <value>14927749</value>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS (FORMERLY    FACEBOOK INC)</nameOfIssuer>
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    </votingAuthority>
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  <infoTable>
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    <titleOfClass>CL A</titleOfClass>
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  <infoTable>
    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
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    <nameOfIssuer>MKS INC.</nameOfIssuer>
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    <nameOfIssuer>MOLSON COORS BEVERAGE CO</nameOfIssuer>
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    </votingAuthority>
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    <nameOfIssuer>MONDELEZ INTERNATIONAL INC.</nameOfIssuer>
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    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
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    <nameOfIssuer>MONDELEZ INTL INC</nameOfIssuer>
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    <nameOfIssuer>MONOLITHIC PWR SYS INC</nameOfIssuer>
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    <nameOfIssuer>MOODYS CORP</nameOfIssuer>
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      <None>174</None>
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    <nameOfIssuer>MORGAN STANLEY</nameOfIssuer>
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    <value>212417</value>
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      <None>1508</None>
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    <cusip>617446448</cusip>
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    <nameOfIssuer>MORGAN STANLEY EMERGING MKTS COM</nameOfIssuer>
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      <None>100</None>
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    <nameOfIssuer>MOTOROLA SOLUTIONS INC</nameOfIssuer>
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    <nameOfIssuer>NANO DIMENSION LTD</nameOfIssuer>
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    <value>162</value>
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    <nameOfIssuer>NANOVIRICIDES INC</nameOfIssuer>
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    <nameOfIssuer>NATIONAL FUEL GAS CO</nameOfIssuer>
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    <nameOfIssuer>NCR ATLEOS CORPORATION</nameOfIssuer>
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    <nameOfIssuer>NET LEASE OFFICE PROPERTIES</nameOfIssuer>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>NEUBERGER BERMAN ENERGY INFRA &amp; INCOME FUND</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>64129H104</cusip>
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    <nameOfIssuer>NEWELL BRANDS INC</nameOfIssuer>
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      <None>800</None>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>37389</Sole>
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      <None>0</None>
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    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
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    <nameOfIssuer>NEXTERA ENERGY INC COM</nameOfIssuer>
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    <nameOfIssuer>NEXTERA ENERGY, INC</nameOfIssuer>
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    <nameOfIssuer>NICE LTD.</nameOfIssuer>
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    <nameOfIssuer>NIO INC</nameOfIssuer>
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    <nameOfIssuer>NISOURCE INC</nameOfIssuer>
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    <nameOfIssuer>NNN REIT INC</nameOfIssuer>
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    <nameOfIssuer>NORFOLK SOUTHN CORP</nameOfIssuer>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
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    <titleOfClass>Stock</titleOfClass>
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      <None>0</None>
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      <None>116</None>
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    <cusip>66987V109</cusip>
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      <None>4068</None>
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      <None>12</None>
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      <Sole>6938</Sole>
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      <None>404</None>
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    <titleOfClass>ADR</titleOfClass>
    <cusip>66987V109</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>17135</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NOVAVAX INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
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    <value>284</value>
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      <sshPrnamt>45</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>45</None>
    </votingAuthority>
  </infoTable>
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      <sshPrnamt>560</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>560</None>
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  <infoTable>
    <nameOfIssuer>NOVO-NORDISK A S</nameOfIssuer>
    <titleOfClass>ADR</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>51</None>
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      <sshPrnamt>43</sshPrnamt>
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      <None>43</None>
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    <nameOfIssuer>NU HLDGS LTD</nameOfIssuer>
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    <value>38416</value>
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      <sshPrnamt>2800</sshPrnamt>
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      <Sole>2800</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>NU SKIN ENTERPRISES INC</nameOfIssuer>
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    <value>25418</value>
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      <sshPrnamt>3181</sshPrnamt>
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      <Shared>0</Shared>
      <None>3181</None>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
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    <value>6477</value>
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      <sshPrnamt>50</sshPrnamt>
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    <cusip>670346105</cusip>
    <value>298992</value>
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      <None>2308</None>
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    <nameOfIssuer>NUSCALE PWR CORP</nameOfIssuer>
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    <value>19780</value>
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      <sshPrnamt>500</sshPrnamt>
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    <value>41538</value>
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      <sshPrnamt>1050</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Shared>0</Shared>
      <None>1050</None>
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    <value>383</value>
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      <sshPrnamt>5</sshPrnamt>
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      <None>5</None>
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    <cusip>67080N101</cusip>
    <value>9750</value>
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      <sshPrnamt>5000</sshPrnamt>
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      <Shared>0</Shared>
      <None>5000</None>
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    <cusip>67080N101</cusip>
    <value>580</value>
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      <sshPrnamt>297</sshPrnamt>
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    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>297</None>
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    <nameOfIssuer>NUVEEN AMT FREE MUN CR INC F</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67071L106</cusip>
    <value>17514</value>
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      <sshPrnamt>1468</sshPrnamt>
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      <None>1468</None>
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    <nameOfIssuer>NUVEEN AMT FREE QLTY MUN INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>670657105</cusip>
    <value>16926</value>
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      <sshPrnamt>1550</sshPrnamt>
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      <None>1550</None>
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    <nameOfIssuer>NUVEEN MUN VALUE FD INC</nameOfIssuer>
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    <nameOfIssuer>NUVEEN QUALITY MUNCP INCOME</nameOfIssuer>
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    <nameOfIssuer>NUVEEN VIRGINIA QLTY MUNCPL</nameOfIssuer>
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      <None>1</None>
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    <nameOfIssuer>NXP SEMICONDUCTORS</nameOfIssuer>
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    <cusip>N6596X109</cusip>
    <value>4050500</value>
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    <nameOfIssuer>NXP SEMICONDUCTORS</nameOfIssuer>
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      <sshPrnamt>65</sshPrnamt>
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    <nameOfIssuer>NXP SEMICONDUCTORS N V</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
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    <cusip>674599162</cusip>
    <value>1761</value>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
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    <cusip>674599162</cusip>
    <value>622</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETE CORP</nameOfIssuer>
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    <cusip>674599105</cusip>
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  <infoTable>
    <nameOfIssuer>OCCIDENTAL PETROLEUM CORP.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>674599105</cusip>
    <value>5671</value>
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      <sshPrnamt>135</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>OCEANFIRST FINL CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>675234108</cusip>
    <value>15849</value>
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      <sshPrnamt>900</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>900</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OGE ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <Shared>0</Shared>
      <None>132</None>
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  <infoTable>
    <nameOfIssuer>OKLO INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>02156V109</cusip>
    <value>181240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3237</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3237</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OKTA INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>679295105</cusip>
    <value>5199</value>
    <shrsOrPrnAmt>
      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>52</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD PT FINANCIAL CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>680194107</cusip>
    <value>22536</value>
    <shrsOrPrnAmt>
      <sshPrnamt>574</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>574</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLD REP INTL CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>680223104</cusip>
    <value>2127193</value>
    <shrsOrPrnAmt>
      <sshPrnamt>55338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>55338</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLIN CORPORATION</nameOfIssuer>
    <titleOfClass>COM PAR $1</titleOfClass>
    <cusip>680665205</cusip>
    <value>7313</value>
    <shrsOrPrnAmt>
      <sshPrnamt>364</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>364</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OLLIES BARGAIN OUTLET HLDGS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>681116109</cusip>
    <value>396</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONE GAS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68235P108</cusip>
    <value>18253</value>
    <shrsOrPrnAmt>
      <sshPrnamt>254</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>254</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>181219</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2220</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2220</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ONEOK INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>82937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1016</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1016</None>
    </votingAuthority>
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    <nameOfIssuer>ONEOK, INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>682680103</cusip>
    <value>692794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8487</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OPENDOOR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>683712103</cusip>
    <value>10</value>
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      <sshPrnamt>17</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
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    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>996482</value>
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      <sshPrnamt>4558</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4558</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>2249128</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10287</sshPrnamt>
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    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10287</None>
    </votingAuthority>
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    <nameOfIssuer>ORACLE CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>68389X105</cusip>
    <value>272413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1246</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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      <Shared>1246</Shared>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>68389X105</cusip>
    <value>10277796</value>
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      <sshPrnamt>47010</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>47010</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORACLE CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68389X105</cusip>
    <value>12340789</value>
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      <sshPrnamt>56446</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>56195</Sole>
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      <None>251</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OREILLY AUTOMOTIVE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>67103H107</cusip>
    <value>886880</value>
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      <sshPrnamt>9840</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9840</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ORGANON &amp; CO</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>68622V106</cusip>
    <value>1491</value>
    <shrsOrPrnAmt>
      <sshPrnamt>154</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>154</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OSCAR HEALTH INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>687793109</cusip>
    <value>33425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1559</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>1559</None>
    </votingAuthority>
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    <nameOfIssuer>OSHKOSH CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>688239201</cusip>
    <value>502642</value>
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      <sshPrnamt>4427</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>4427</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>68902V107</cusip>
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      <sshPrnamt>11368</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>11368</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>16730</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Shared>0</Shared>
      <None>16730</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>5150</value>
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      <sshPrnamt>52</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>52</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>68902V107</cusip>
    <value>29706</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>68902V107</cusip>
    <value>117834</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1190</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>1190</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OTIS WORLDWIDE CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>68902V107</cusip>
    <value>2816921</value>
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      <sshPrnamt>28448</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>28448</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OVID THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>690469101</cusip>
    <value>660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>OVID THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>690469101</cusip>
    <value>99</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>SWAN SOS FD OF</titleOfClass>
    <cusip>69374H568</cusip>
    <value>3475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>114</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>114</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>AMERCN ENRGY IND</titleOfClass>
    <cusip>69374H634</cusip>
    <value>831</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>20</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PACER FDS TR</nameOfIssuer>
    <titleOfClass>GLOBL CASH ETF</titleOfClass>
    <cusip>69374H709</cusip>
    <value>68726</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1810</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>1810</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PACIFIC BIOSCIENCES CALIF IN</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69404D108</cusip>
    <value>484</value>
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      <sshPrnamt>390</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>390</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>69608A108</cusip>
    <value>112601</value>
    <shrsOrPrnAmt>
      <sshPrnamt>826</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>826</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALANTIR TECHNOLOGIES INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>69608A108</cusip>
    <value>67615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>16300804</value>
    <shrsOrPrnAmt>
      <sshPrnamt>79656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>79656</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>40928</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>697435105</cusip>
    <value>12569807</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61424</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>61294</Sole>
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      <None>130</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PALO ALTO NETWORKS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>697435105</cusip>
    <value>29468</value>
    <shrsOrPrnAmt>
      <sshPrnamt>144</sshPrnamt>
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    <nameOfIssuer>PROLOGIS INC.</nameOfIssuer>
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      <None>10</None>
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    <nameOfIssuer>PURE STORAGE INC</nameOfIssuer>
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    <nameOfIssuer>PURETECH HEALTH PLC</nameOfIssuer>
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    <nameOfIssuer>PURSUIT ATTRACTIONS AND HOSPITALITY, INC.</nameOfIssuer>
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      <None>0</None>
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    </votingAuthority>
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  <infoTable>
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      <None>1471</None>
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  <infoTable>
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  <infoTable>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>QUANTA SVCS INC</nameOfIssuer>
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      <None>2737</None>
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    <nameOfIssuer>QUANTUMSCAPE CORP</nameOfIssuer>
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    <cusip>74767V109</cusip>
    <value>10779</value>
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      <sshPrnamt>1604</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>QUEST DIAGNOSTICS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <None>0</None>
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    <nameOfIssuer>QUEST DIAGNOSTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>RAYMOND JAMES FINL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>51</value>
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      <None>0</None>
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    <nameOfIssuer>RAYTHEON TECHNOLOGIES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>65417</sshPrnamt>
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      <Sole>64564</Sole>
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      <None>853</None>
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    <nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR</nameOfIssuer>
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    <cusip>81369Y860</cusip>
    <value>5012</value>
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      <sshPrnamt>121</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
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      <None>121</None>
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    <nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>37029</value>
    <shrsOrPrnAmt>
      <sshPrnamt>894</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>894</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>REAL ESTATE SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y860</cusip>
    <value>2471614</value>
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      <sshPrnamt>59672</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>59672</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>RED CAT HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75644T100</cusip>
    <value>481</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
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    <otherManager>2</otherManager>
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      <None>66</None>
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    <nameOfIssuer>RED ROCK RESORTS INC</nameOfIssuer>
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    <cusip>75700L108</cusip>
    <value>61656</value>
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      <Sole>1185</Sole>
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      <None>0</None>
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    <nameOfIssuer>REDDIT INC</nameOfIssuer>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
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    <cusip>75886F107</cusip>
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      <sshPrnamt>709</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>709</Sole>
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      <None>0</None>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
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      <sshPrnamt>50</sshPrnamt>
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      <None>50</None>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>526</value>
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      <None>1</None>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS COM</nameOfIssuer>
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    <investmentDiscretion>OTR</investmentDiscretion>
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    <nameOfIssuer>REGENERON PHARMACEUTICALS COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
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    <value>1818075</value>
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    <nameOfIssuer>RELX PLC</nameOfIssuer>
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    <cusip>759530108</cusip>
    <value>6956</value>
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      <None>128</None>
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    <nameOfIssuer>REPUBLIC SVCS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>72750</value>
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      <None>295</None>
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    <nameOfIssuer>REVVITY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>714046109</cusip>
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      <None>100</None>
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    <nameOfIssuer>REVVITY INC</nameOfIssuer>
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    <nameOfIssuer>RING ENERGY INC</nameOfIssuer>
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      <None>1000</None>
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    <nameOfIssuer>RIO TINTO PLC ADR</nameOfIssuer>
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    <nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>
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    <cusip>76954A103</cusip>
    <value>4122</value>
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      <sshPrnamt>300</sshPrnamt>
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      <None>300</None>
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    <nameOfIssuer>RIVIAN AUTOMOTIVE INC</nameOfIssuer>
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    <cusip>76954A103</cusip>
    <value>50165</value>
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    <nameOfIssuer>ROBINHOOD MKTS INC</nameOfIssuer>
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    <cusip>770700102</cusip>
    <value>37452</value>
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      <sshPrnamt>400</sshPrnamt>
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      <None>400</None>
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    <nameOfIssuer>ROBLOX CORP</nameOfIssuer>
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    <cusip>771049103</cusip>
    <value>421</value>
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      <sshPrnamt>4</sshPrnamt>
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    <otherManager>3</otherManager>
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      <None>4</None>
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    <nameOfIssuer>ROCKET COS INC</nameOfIssuer>
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    <cusip>77311W101</cusip>
    <value>43</value>
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    <nameOfIssuer>ROCKET LAB CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>35842</value>
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    <otherManager>3</otherManager>
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      <None>1002</None>
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    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>773903109</cusip>
    <value>646071</value>
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      <sshPrnamt>1945</sshPrnamt>
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      <None>1945</None>
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  <infoTable>
    <nameOfIssuer>ROCKWELL AUTOMATION INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>9323</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>9323</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROGERS COMMUNICATIONS INC</nameOfIssuer>
    <titleOfClass>CL B</titleOfClass>
    <cusip>775109200</cusip>
    <value>653</value>
    <shrsOrPrnAmt>
      <sshPrnamt>22</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>22</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROKU INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>77543R102</cusip>
    <value>17578</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROKU INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>77543R102</cusip>
    <value>879</value>
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      <sshPrnamt>10</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ROKU INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>77543R102</cusip>
    <value>3076</value>
    <shrsOrPrnAmt>
      <sshPrnamt>35</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>35</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ROPER INDS INC NEW</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>776696106</cusip>
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    <nameOfIssuer>ROPER INDUSTRIES, INC</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>ROPER TECHNOLOGIES INC</nameOfIssuer>
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    <nameOfIssuer>ROSS STORES INC</nameOfIssuer>
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    <nameOfIssuer>ROYAL CARIBBEAN GROUP</nameOfIssuer>
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      <None>5</None>
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    <nameOfIssuer>ROYAL GOLD INC</nameOfIssuer>
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      <None>937</None>
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    <nameOfIssuer>ROYCE MICRO-CAP TR INC</nameOfIssuer>
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    <nameOfIssuer>ROYCE SMALL CAP TRUST INC COM</nameOfIssuer>
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      <None>0</None>
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    <nameOfIssuer>RPM INTL INC</nameOfIssuer>
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      <sshPrnamt>150</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
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    <nameOfIssuer>RTX CORPORATION</nameOfIssuer>
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      <None>506</None>
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    <nameOfIssuer>RTX CORPORATION (FORMERLY RAYTHEON TECH)</nameOfIssuer>
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    <nameOfIssuer>RTX CORPORATION (FORMERLY RAYTHEON TECH)</nameOfIssuer>
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    <nameOfIssuer>RTX CORPORATION COM</nameOfIssuer>
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    <value>217132</value>
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    <nameOfIssuer>RTX CORPORATION COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>75513E101</cusip>
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      <None>0</None>
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    <nameOfIssuer>RUMBLE INC</nameOfIssuer>
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    <value>1302</value>
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    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
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    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
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    <otherManager>2</otherManager>
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    <nameOfIssuer>S&amp;P GLOBAL INC</nameOfIssuer>
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    <nameOfIssuer>SABA CAPITAL INCOME &amp; OPPORT</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>880198205</cusip>
    <value>2757</value>
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    <otherManager>3</otherManager>
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    <nameOfIssuer>SAGE THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <otherManager>2</otherManager>
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      <None>100</None>
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    <nameOfIssuer>SAILPOINT INC</nameOfIssuer>
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      <sshPrnamt>4</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>4</None>
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    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>27255</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>27255</None>
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    <nameOfIssuer>SALESFORCE INC</nameOfIssuer>
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    <value>24026</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>88</None>
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    <nameOfIssuer>SALESFORCE INC (FORMERLY SALESFORCE.COM INC)</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>79466L302</cusip>
    <value>2130987</value>
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      <sshPrnamt>7815</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>7815</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SALESFORCE INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>79466L302</cusip>
    <value>179703</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>OTR</investmentDiscretion>
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      <Shared>659</Shared>
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  <infoTable>
    <nameOfIssuer>SALESFORCE INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>79466L302</cusip>
    <value>5215742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19127</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>19127</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAMSARA INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>79589L106</cusip>
    <value>796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>20</None>
    </votingAuthority>
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    <nameOfIssuer>SANGAMO THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>800677106</cusip>
    <value>217</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAP SE</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>763596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2511</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>2511</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAP SE - SPONS ADR</nameOfIssuer>
    <titleOfClass>SPON ADR</titleOfClass>
    <cusip>803054204</cusip>
    <value>30410</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>100</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAUL CENTERS, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>804395101</cusip>
    <value>13963</value>
    <shrsOrPrnAmt>
      <sshPrnamt>409</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>409</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SAUL CTRS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>804395101</cusip>
    <value>54932</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1609</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1609</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SBA COMMUNICATIONS CORP NEW</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>78410G104</cusip>
    <value>8470</value>
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      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Shared>0</Shared>
      <None>36</None>
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    <nameOfIssuer>SCHLUMBERGER LIMITED</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>97445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2883</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2883</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>13520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
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    <nameOfIssuer>SCHLUMBERGER LTD</nameOfIssuer>
    <titleOfClass>COM STK</titleOfClass>
    <cusip>806857108</cusip>
    <value>27040</value>
    <shrsOrPrnAmt>
      <sshPrnamt>800</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>800</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>4486391</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
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      <Shared>0</Shared>
      <None>49171</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808513105</cusip>
    <value>604286</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6623</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6623</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB FUNDAMENTAL INTERNATIONAL EQUITY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524755</cusip>
    <value>205983</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5147</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>5147</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB INTL EQUITY ETF</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>230636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10436</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>10436</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
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    <cusip>808524722</cusip>
    <value>3579</value>
    <shrsOrPrnAmt>
      <sshPrnamt>120</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>120</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US B</titleOfClass>
    <cusip>808524789</cusip>
    <value>21583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>900</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US L</titleOfClass>
    <cusip>808524771</cusip>
    <value>126848</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5169</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5169</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US S</titleOfClass>
    <cusip>808524763</cusip>
    <value>27103</value>
    <shrsOrPrnAmt>
      <sshPrnamt>946</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>946</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>3978</value>
    <shrsOrPrnAmt>
      <sshPrnamt>180</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>180</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US BRD MKT ETF</titleOfClass>
    <cusip>808524102</cusip>
    <value>7434</value>
    <shrsOrPrnAmt>
      <sshPrnamt>312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>312</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>2215323</value>
    <shrsOrPrnAmt>
      <sshPrnamt>83597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>83597</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LRG CAP ETF</titleOfClass>
    <cusip>808524201</cusip>
    <value>1217195</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49803</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49803</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>48387</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1725</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1725</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US REIT ETF</titleOfClass>
    <cusip>808524847</cusip>
    <value>13035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>616</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>616</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>159013</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6285</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6285</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>1000 INDEX ETF</titleOfClass>
    <cusip>808524722</cusip>
    <value>81327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2727</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2727</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>EMRG MKTEQ ETF</titleOfClass>
    <cusip>808524706</cusip>
    <value>3799</value>
    <shrsOrPrnAmt>
      <sshPrnamt>126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>126</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL EMER</titleOfClass>
    <cusip>808524730</cusip>
    <value>12082</value>
    <shrsOrPrnAmt>
      <sshPrnamt>366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>366</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL INTL</titleOfClass>
    <cusip>808524755</cusip>
    <value>85036</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2125</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2125</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL INTL</titleOfClass>
    <cusip>808524748</cusip>
    <value>5004</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>119</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US L</titleOfClass>
    <cusip>808524771</cusip>
    <value>28050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1143</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1143</None>
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  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>FUNDAMENTAL US S</titleOfClass>
    <cusip>808524763</cusip>
    <value>7736</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL EQTY ETF</titleOfClass>
    <cusip>808524805</cusip>
    <value>178028</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8056</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>8056</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>INTL SCEQT ETF</titleOfClass>
    <cusip>808524888</cusip>
    <value>39865</value>
    <shrsOrPrnAmt>
      <sshPrnamt>936</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>936</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>SHT TM US TRES</titleOfClass>
    <cusip>808524862</cusip>
    <value>153615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6301</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6301</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US BRD MKT ETF</titleOfClass>
    <cusip>808524102</cusip>
    <value>218693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9177</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9177</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US DIVIDEND EQ</titleOfClass>
    <cusip>808524797</cusip>
    <value>327790</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12369</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12369</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP GR ETF</titleOfClass>
    <cusip>808524300</cusip>
    <value>29115</value>
    <shrsOrPrnAmt>
      <sshPrnamt>997</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>997</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LCAP VA ETF</titleOfClass>
    <cusip>808524409</cusip>
    <value>12950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>468</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>468</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US LRG CAP ETF</titleOfClass>
    <cusip>808524201</cusip>
    <value>114746</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4695</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4695</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>444855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15859</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>15859</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US REIT ETF</titleOfClass>
    <cusip>808524847</cusip>
    <value>6839</value>
    <shrsOrPrnAmt>
      <sshPrnamt>323</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>323</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>24956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>986</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>986</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR</nameOfIssuer>
    <titleOfClass>US TIPS ETF</titleOfClass>
    <cusip>808524870</cusip>
    <value>7471</value>
    <shrsOrPrnAmt>
      <sshPrnamt>280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB STRATGIC ETF</nameOfIssuer>
    <titleOfClass>ETF - EQUITY</titleOfClass>
    <cusip>808524797</cusip>
    <value>222413</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8393</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>8393</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB U.S. MID-CAP ETF</nameOfIssuer>
    <titleOfClass>US MID-CAP ETF</titleOfClass>
    <cusip>808524508</cusip>
    <value>104346</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3720</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3720</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB US BROAD MARKET ETF</nameOfIssuer>
    <titleOfClass>US BRD MKT ETF</titleOfClass>
    <cusip>808524102</cusip>
    <value>85502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3588</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3588</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB US DIVIDEND EQUITY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524797</cusip>
    <value>1050328</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39635</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>39635</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB US DIVIDEND EQUITY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524797</cusip>
    <value>7892522</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297831</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>297831</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB US LARGE-CAP ETF</nameOfIssuer>
    <titleOfClass>US LRG CAP ETF</titleOfClass>
    <cusip>808524201</cusip>
    <value>223039</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9126</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9126</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCHWAB US SMALL- CAP ETF</nameOfIssuer>
    <titleOfClass>US SML CAP ETF</titleOfClass>
    <cusip>808524607</cusip>
    <value>115975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4584</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4584</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808625107</cusip>
    <value>45044</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCIENCE APPLICATIONS INTL CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>808625107</cusip>
    <value>487034</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4325</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4325</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SCYNEXIS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>811292200</cusip>
    <value>2700</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4000</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEAGATE TECHNOLOGY HLDNGS PL</nameOfIssuer>
    <titleOfClass>ORD SHS</titleOfClass>
    <cusip>G7997R103</cusip>
    <value>8227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81211K100</cusip>
    <value>23273</value>
    <shrsOrPrnAmt>
      <sshPrnamt>750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEALED AIR CORP NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81211K100</cusip>
    <value>1583</value>
    <shrsOrPrnAmt>
      <sshPrnamt>51</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>51</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>COMMUNICATION</titleOfClass>
    <cusip>81369Y852</cusip>
    <value>10962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>101</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>101</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>ENERGY</titleOfClass>
    <cusip>81369Y506</cusip>
    <value>37317</value>
    <shrsOrPrnAmt>
      <sshPrnamt>440</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>440</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>FINANCIAL</titleOfClass>
    <cusip>81369Y605</cusip>
    <value>487827</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9315</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9315</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>5754</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>39</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>6520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>75618</value>
    <shrsOrPrnAmt>
      <sshPrnamt>561</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>561</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>613349</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7511</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7511</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>1093674</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12455</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12455</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>387950</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1532</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>INDL</titleOfClass>
    <cusip>81369Y704</cusip>
    <value>1623</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>32600</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>SBI HEALTHCARE</titleOfClass>
    <cusip>81369Y209</cusip>
    <value>12940</value>
    <shrsOrPrnAmt>
      <sshPrnamt>96</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>96</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT SECTOR SPDR TR</nameOfIssuer>
    <titleOfClass>TECHNOLOGY</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>9117</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>36</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SELECT WATER SOLUTIONS INC</nameOfIssuer>
    <titleOfClass>CL A COM</titleOfClass>
    <cusip>81617J301</cusip>
    <value>4320</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SEMPRA</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>816851109</cusip>
    <value>1263693</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16678</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>16678</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SENTINELONE INC</nameOfIssuer>
    <titleOfClass>C LA</titleOfClass>
    <cusip>81730H109</cusip>
    <value>28937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1583</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1583</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERES THERAPEUTICS INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>81750R201</cusip>
    <value>4567</value>
    <shrsOrPrnAmt>
      <sshPrnamt>411</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>411</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>11484682</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11171</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>11171</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICENOW INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>81762P102</cusip>
    <value>167577</value>
    <shrsOrPrnAmt>
      <sshPrnamt>163</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>163</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SERVICETITAN INC</nameOfIssuer>
    <titleOfClass>SHS CL A</titleOfClass>
    <cusip>81764X103</cusip>
    <value>3216</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHARKNINJA INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>G8068L108</cusip>
    <value>7425</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>4090505</value>
    <shrsOrPrnAmt>
      <sshPrnamt>58096</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>58096</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>3779</value>
    <shrsOrPrnAmt>
      <sshPrnamt>54</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>54</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SHELL PLC ADR</nameOfIssuer>
    <titleOfClass>SPON ADS</titleOfClass>
    <cusip>780259305</cusip>
    <value>3265475</value>
    <shrsOrPrnAmt>
      <sshPrnamt>46378</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44688</Sole>
      <Shared>0</Shared>
      <None>1690</None>
    </votingAuthority>
  </infoTable>
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    <nameOfIssuer>SOUTHERN COPPER CORP</nameOfIssuer>
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    <nameOfIssuer>SOUTHWEST AIRLS CO</nameOfIssuer>
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  <infoTable>
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    <nameOfIssuer>SPDR  S&amp; P NORTH AMERICAN NATURAL RES ETF</nameOfIssuer>
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    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDL AVERAGE</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>21538</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>49</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR DOW JONES INDUSTRIAL AVG ETF</nameOfIssuer>
    <titleOfClass>UT SER 1</titleOfClass>
    <cusip>78467X109</cusip>
    <value>243679</value>
    <shrsOrPrnAmt>
      <sshPrnamt>553</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>553</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD SHARES</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463V107</cusip>
    <value>797740</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2617</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>2617</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD SHARES</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463V107</cusip>
    <value>7491502</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24576</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>24576</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>87792</value>
    <shrsOrPrnAmt>
      <sshPrnamt>288</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>288</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TR</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>634961</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2083</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2083</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR GOLD TRUST</nameOfIssuer>
    <titleOfClass>GOLD SHS</titleOfClass>
    <cusip>78463V107</cusip>
    <value>140527</value>
    <shrsOrPrnAmt>
      <sshPrnamt>461</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>461</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>EURO STOXX 50</titleOfClass>
    <cusip>78463X202</cusip>
    <value>3673276</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61498</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>S&amp;P NORTH AMER</titleOfClass>
    <cusip>78463X152</cusip>
    <value>93569</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1652</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1652</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR INDEX SHS FDS</nameOfIssuer>
    <titleOfClass>GLB NAT RESRCE</titleOfClass>
    <cusip>78463X541</cusip>
    <value>21805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>402</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>402</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR MSCI ACWI EX-US ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X848</cusip>
    <value>29459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>902</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR MSCI ACWI EX-US ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X848</cusip>
    <value>170649</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5225</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5225</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR NYSE TECHNOLOGY ETF</nameOfIssuer>
    <titleOfClass>NYSE TECH ETF</titleOfClass>
    <cusip>78464A102</cusip>
    <value>225416</value>
    <shrsOrPrnAmt>
      <sshPrnamt>950</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>950</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR PORTFOLIO EMERGING MARKETS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X509</cusip>
    <value>21370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>500</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR PORTFOLIO EMERGING MARKETS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78463X509</cusip>
    <value>187714</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4392</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4392</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR PORTFOLIO MORTGAGE BACKED</nameOfIssuer>
    <titleOfClass>PORT MTG BK ETF</titleOfClass>
    <cusip>78464A383</cusip>
    <value>38542</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1744</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1744</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR PORTFOLIO S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A854</cusip>
    <value>493710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6792</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>6792</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>60816658</value>
    <shrsOrPrnAmt>
      <sshPrnamt>98433</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>98433</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>2182207</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3532</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3532</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TR         TR UNIT</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>9491254</value>
    <shrsOrPrnAmt>
      <sshPrnamt>15362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>15362</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>247140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>400</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>1171444</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1896</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1896</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P 500 ETF TRUST</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>1663252</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2692</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2692</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P BANK ETF</nameOfIssuer>
    <titleOfClass>S&amp;P BK ETF</titleOfClass>
    <cusip>78464A797</cusip>
    <value>2680662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48075</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>48075</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P BIOTECH ETF</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>1235823</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14902</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>14902</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P KENSHO NEW ECONOMIES COMPOSITE ETF</nameOfIssuer>
    <titleOfClass>S&amp;P KENSHO NEW</titleOfClass>
    <cusip>78468R648</cusip>
    <value>52259</value>
    <shrsOrPrnAmt>
      <sshPrnamt>961</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>961</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>49794401</value>
    <shrsOrPrnAmt>
      <sshPrnamt>87901</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>87901</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P MIDCAP 400 ETF TR</nameOfIssuer>
    <titleOfClass>UTSER1 S&amp;PDCRP</titleOfClass>
    <cusip>78467Y107</cusip>
    <value>283240</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P REGIONAL BANKING ETF</nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG</titleOfClass>
    <cusip>78464A698</cusip>
    <value>2676113</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45060</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>44930</Sole>
      <Shared>0</Shared>
      <None>130</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR S&amp;P SEMICONDUCTOR ETF</nameOfIssuer>
    <titleOfClass>S&amp;P SEMICNDCTR</titleOfClass>
    <cusip>78464A862</cusip>
    <value>193152</value>
    <shrsOrPrnAmt>
      <sshPrnamt>753</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>753</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>BLOOMBERG 1-3 MO</titleOfClass>
    <cusip>78468R663</cusip>
    <value>14035</value>
    <shrsOrPrnAmt>
      <sshPrnamt>153</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>153</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFLI TIPS ETF</titleOfClass>
    <cusip>78464A656</cusip>
    <value>44620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1712</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1712</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
    <cusip>78464A847</cusip>
    <value>742300</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13650</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>13650</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
    <cusip>78464A854</cusip>
    <value>230210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3167</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
    <cusip>78468R853</cusip>
    <value>27919</value>
    <shrsOrPrnAmt>
      <sshPrnamt>655</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>655</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P BIOTECH</titleOfClass>
    <cusip>78464A870</cusip>
    <value>1237897</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14927</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>14927</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P DIVID ETF</titleOfClass>
    <cusip>78464A763</cusip>
    <value>131659</value>
    <shrsOrPrnAmt>
      <sshPrnamt>970</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>970</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P KENSHO CLEAN</titleOfClass>
    <cusip>78468R655</cusip>
    <value>4458</value>
    <shrsOrPrnAmt>
      <sshPrnamt>75</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>75</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P KENSHO NEW</titleOfClass>
    <cusip>78468R648</cusip>
    <value>31650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>582</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>582</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>DJ REIT ETF</titleOfClass>
    <cusip>78464A607</cusip>
    <value>9548</value>
    <shrsOrPrnAmt>
      <sshPrnamt>99</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>99</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P400</titleOfClass>
    <cusip>78464A847</cusip>
    <value>87715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1613</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1613</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P500</titleOfClass>
    <cusip>78464A854</cusip>
    <value>21662</value>
    <shrsOrPrnAmt>
      <sshPrnamt>298</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>298</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PORTFOLIO S&amp;P600</titleOfClass>
    <cusip>78468R853</cusip>
    <value>22934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>538</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>538</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 GW</titleOfClass>
    <cusip>78464A409</cusip>
    <value>9560</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>PRTFLO S&amp;P500 VL</titleOfClass>
    <cusip>78464A508</cusip>
    <value>35800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>684</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>684</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P 600 SMCP VAL</titleOfClass>
    <cusip>78464A300</cusip>
    <value>177953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2231</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2231</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P KENSHO CLEAN</titleOfClass>
    <cusip>78468R655</cusip>
    <value>2972</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>S&amp;P REGL BKG</titleOfClass>
    <cusip>78464A698</cusip>
    <value>87937</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1481</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1481</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>SPDR S&amp;P 500 ETF</titleOfClass>
    <cusip>78468R796</cusip>
    <value>275990</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5419</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5419</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST</nameOfIssuer>
    <titleOfClass>SSGA US LRG ETF</titleOfClass>
    <cusip>78468R804</cusip>
    <value>2890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST S&amp;P AEROSPACE</nameOfIssuer>
    <titleOfClass>AEROSPACE DEF</titleOfClass>
    <cusip>78464A631</cusip>
    <value>143650</value>
    <shrsOrPrnAmt>
      <sshPrnamt>681</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>681</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST S&amp;P HEALTH CARE SVCS</nameOfIssuer>
    <titleOfClass>HLTH CARE SVCS</titleOfClass>
    <cusip>78464A573</cusip>
    <value>90093</value>
    <shrsOrPrnAmt>
      <sshPrnamt>905</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>905</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR SERIES TRUST S&amp;P SOFTWARE ETF</nameOfIssuer>
    <titleOfClass>COMP SOFTWARE</titleOfClass>
    <cusip>78464A599</cusip>
    <value>146731</value>
    <shrsOrPrnAmt>
      <sshPrnamt>773</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>773</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPHERE 3D CORP NEW</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>84841L407</cusip>
    <value>72</value>
    <shrsOrPrnAmt>
      <sshPrnamt>122</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>122</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPINNAKER ETF SERIES</nameOfIssuer>
    <titleOfClass>SELECT STOXX EUR</titleOfClass>
    <cusip>84858T772</cusip>
    <value>8630</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPINNAKER ETF SERIES</nameOfIssuer>
    <titleOfClass>SELECT STOXX EUR</titleOfClass>
    <cusip>84858T772</cusip>
    <value>16182</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>375</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPIRE GLOBAL INC</nameOfIssuer>
    <titleOfClass>COM CL A NEW</titleOfClass>
    <cusip>848560306</cusip>
    <value>2226</value>
    <shrsOrPrnAmt>
      <sshPrnamt>187</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>187</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPORTRADAR GROUP AG</nameOfIssuer>
    <titleOfClass>CLASS A ORD SHS</titleOfClass>
    <cusip>H8088L103</cusip>
    <value>8424</value>
    <shrsOrPrnAmt>
      <sshPrnamt>300</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>300</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>L8681T102</cusip>
    <value>61388</value>
    <shrsOrPrnAmt>
      <sshPrnamt>80</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>80</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPOTIFY TECHNOLOGY S A</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>L8681T102</cusip>
    <value>65992</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL GOLD &amp; SILVE</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>85208R101</cusip>
    <value>42140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1400</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPROTT PHYSICAL SILVER TR</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>85207K107</cusip>
    <value>32179</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2629</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2629</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SS&amp;C TECHNOLOGIES HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>78467J100</cusip>
    <value>4140</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANDARD BIOTOOLS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>34385P108</cusip>
    <value>2100</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1750</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1750</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>854502101</cusip>
    <value>123102</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1817</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1817</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>854502101</cusip>
    <value>13415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>198</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STANLEY BLACK &amp; DECKER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>854502101</cusip>
    <value>1715</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>25</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>1635321</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17847</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17847</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>295172</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3221</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3221</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>308610</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3368</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3368</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>855244109</cusip>
    <value>178587</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1949</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>1949</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>855244109</cusip>
    <value>2772357</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30256</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>30256</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STARBUCKS CORPORATION</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>855244109</cusip>
    <value>540864</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5903</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5903</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>STATE STREET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>857477103</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1430</Sole>
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      <None>0</None>
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    <nameOfIssuer>STEEL DYNAMICS INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>858119100</cusip>
    <value>3584280</value>
    <shrsOrPrnAmt>
      <sshPrnamt>28000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>28000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>STELLANTIS NV</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>N82405106</cusip>
    <value>36710</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3660</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3660</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>STRYKER CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>8588336</value>
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      <sshPrnamt>21708</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>21414</Sole>
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      <None>294</None>
    </votingAuthority>
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    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>863667101</cusip>
    <value>472383</value>
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      <sshPrnamt>1194</sshPrnamt>
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      <None>1194</None>
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    <nameOfIssuer>STRYKER CORPORATION</nameOfIssuer>
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    <cusip>863667101</cusip>
    <value>6331</value>
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      <sshPrnamt>16</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>16</None>
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    <nameOfIssuer>STRYKER CORPORATION COM</nameOfIssuer>
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    <value>1087191</value>
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      <sshPrnamt>2748</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>2748</Sole>
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      <None>0</None>
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    <nameOfIssuer>SUNCOR ENERGY INC NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>1000</sshPrnamt>
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      <Sole>0</Sole>
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      <None>1000</None>
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    <nameOfIssuer>SUNOCO LP/SUNOCO FIN CORP</nameOfIssuer>
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      <sshPrnamt>11</sshPrnamt>
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      <None>11</None>
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    <nameOfIssuer>SUPER MICRO COMPUTER INC</nameOfIssuer>
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      <sshPrnamt>3</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>3</None>
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    <nameOfIssuer>SYNCHRONY FINANCIAL</nameOfIssuer>
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    <value>225</value>
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      <sshPrnamt>3</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>3</None>
    </votingAuthority>
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    <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
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    <value>10254</value>
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      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>20</None>
    </votingAuthority>
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    <nameOfIssuer>SYNOPSYS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>155855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>304</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>304</None>
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    <nameOfIssuer>SYNOPSYS, INC</nameOfIssuer>
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      <Sole>116</Sole>
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      <None>0</None>
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    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
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      <sshPrnamt>942</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>942</None>
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    <nameOfIssuer>SYSCO CORP</nameOfIssuer>
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      <sshPrnamt>6785</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>6785</Sole>
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      <None>0</None>
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    <nameOfIssuer>SYSCO CORPORATION</nameOfIssuer>
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    <cusip>871829107</cusip>
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      <None>0</None>
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    <nameOfIssuer>SYSCO CORPORATION</nameOfIssuer>
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      <Sole>119</Sole>
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      <None>0</None>
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    <nameOfIssuer>TAIWAN SEMICONDUCTOR MANUFACTURING CO LTD</nameOfIssuer>
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    <cusip>874039100</cusip>
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      <sshPrnamt>48180</sshPrnamt>
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    <nameOfIssuer>TAIWAN SEMICONDUCTOR MFG LTD</nameOfIssuer>
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      <None>484</None>
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    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
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      <None>236</None>
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    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWAR</nameOfIssuer>
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    <nameOfIssuer>TAKE-TWO INTERACTIVE SOFTWARE</nameOfIssuer>
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    <nameOfIssuer>TALEN ENERGY CORP</nameOfIssuer>
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      <sshPrnamt>94</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>94</None>
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    <cusip>875465106</cusip>
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      <sshPrnamt>1550</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>1550</None>
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    <nameOfIssuer>TARGET CORP</nameOfIssuer>
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    <cusip>87612E106</cusip>
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    <shrsOrPrnAmt>
      <sshPrnamt>240</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>240</None>
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  <infoTable>
    <nameOfIssuer>TARGET CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
    <value>94387</value>
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      <sshPrnamt>957</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>957</None>
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    <nameOfIssuer>TARGET CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>106</Sole>
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      <None>0</None>
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    <nameOfIssuer>TAYLOR MORRISON HOME CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87724P106</cusip>
    <value>28499</value>
    <shrsOrPrnAmt>
      <sshPrnamt>464</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>464</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>TC ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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      <sshPrnamt>500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>500</None>
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    <nameOfIssuer>TCW ETF TRUST</nameOfIssuer>
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    <cusip>29287L205</cusip>
    <value>270510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>3000</None>
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    <nameOfIssuer>TCW ETF TRUST</nameOfIssuer>
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    <cusip>29287L106</cusip>
    <value>22711</value>
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      <sshPrnamt>312</sshPrnamt>
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      <None>312</None>
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    <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
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    <cusip>G87052109</cusip>
    <value>42168</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>250</None>
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  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC</nameOfIssuer>
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    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>648</None>
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    <investmentDiscretion>OTR</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC ORD SHS</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>G87052109</cusip>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>TE CONNECTIVITY PLC USD .01</nameOfIssuer>
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    <cusip>G87052109</cusip>
    <value>747516</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>4432</Sole>
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      <None>0</None>
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      <None>0</None>
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    <nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR</nameOfIssuer>
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    <cusip>81369Y803</cusip>
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      <Sole>32704</Sole>
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      <None>0</None>
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    <nameOfIssuer>TECHNOLOGY SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y803</cusip>
    <value>289189</value>
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      <Sole>1142</Sole>
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      <None>0</None>
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    <nameOfIssuer>TELEFLEX INCORPORATED COM</nameOfIssuer>
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    <cusip>879369106</cusip>
    <value>227251</value>
    <shrsOrPrnAmt>
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      <None>0</None>
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    <nameOfIssuer>TELOS CORPORATION</nameOfIssuer>
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    <cusip>87969B101</cusip>
    <value>83859</value>
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      <sshPrnamt>26454</sshPrnamt>
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      <Sole>26454</Sole>
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      <None>0</None>
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    <nameOfIssuer>TEMPUS AI INC</nameOfIssuer>
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    <cusip>88023B103</cusip>
    <value>1907</value>
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    <nameOfIssuer>TERADATA CORP DEL</nameOfIssuer>
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      <None>589</None>
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    <nameOfIssuer>TESLA INC</nameOfIssuer>
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    <nameOfIssuer>TESLA INC</nameOfIssuer>
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    <nameOfIssuer>TESLA INC COM</nameOfIssuer>
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    <nameOfIssuer>TESLA INC COM</nameOfIssuer>
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    <nameOfIssuer>TESLA MTRS INC</nameOfIssuer>
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    <cusip>88160R101</cusip>
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    <nameOfIssuer>TETRA TECH INC NEW</nameOfIssuer>
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      <None>256</None>
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    <nameOfIssuer>TEVA PHARMACEUTICAL INDS LTD</nameOfIssuer>
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    <cusip>881624209</cusip>
    <value>8380</value>
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    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
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    <nameOfIssuer>TEXAS INSTRS INC</nameOfIssuer>
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    <nameOfIssuer>TEXAS INSTRS INC COM</nameOfIssuer>
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    <nameOfIssuer>TEXAS INSTRS INC COM</nameOfIssuer>
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    <nameOfIssuer>TEXAS INSTRUMENTS INC</nameOfIssuer>
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    <nameOfIssuer>TEXAS INSTRUMENTS, INC</nameOfIssuer>
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    <nameOfIssuer>TEXTRON INC</nameOfIssuer>
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    <nameOfIssuer>THE CHARLES SCHWAB CORPORATION</nameOfIssuer>
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    <nameOfIssuer>THE CHEMOURS COMPANY</nameOfIssuer>
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    <nameOfIssuer>THE CIGNA GROUP</nameOfIssuer>
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    <nameOfIssuer>THE HERSHEY COMPANY</nameOfIssuer>
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    <nameOfIssuer>THE REAVES UTILITY INCOME FUND</nameOfIssuer>
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    <cusip>756158101</cusip>
    <value>7272</value>
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    <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
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    <nameOfIssuer>THE TRADE DESK INC</nameOfIssuer>
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    <nameOfIssuer>THE TRAVELERS COMPANIES, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>THE WILLIAMS COMPANIES, INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
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    <cusip>883556102</cusip>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC</nameOfIssuer>
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    <nameOfIssuer>THERMO FISHER SCIENTIFIC INC COM</nameOfIssuer>
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    <nameOfIssuer>TXNM ENERGY INC</nameOfIssuer>
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      <sshPrnamt>199</sshPrnamt>
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    <nameOfIssuer>UBER TECHNOLOGIES INC</nameOfIssuer>
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      <None>50074</None>
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      <sshPrnamt>43</sshPrnamt>
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    <nameOfIssuer>UBS GROUP AG</nameOfIssuer>
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      <sshPrnamt>2564</sshPrnamt>
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      <None>2564</None>
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    <nameOfIssuer>UDR INC</nameOfIssuer>
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      <Shared>0</Shared>
      <None>1400</None>
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    <nameOfIssuer>UDR, INC.</nameOfIssuer>
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    <nameOfIssuer>UIPATH INC</nameOfIssuer>
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      <sshPrnamt>220</sshPrnamt>
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      <None>802</None>
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    <nameOfIssuer>UNILEVER PLC</nameOfIssuer>
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    <value>8441</value>
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    <value>62381</value>
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      <None>12112</None>
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  <infoTable>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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    <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>91324P102</cusip>
    <value>157857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>506</sshPrnamt>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>0</Sole>
      <Shared>506</Shared>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>91324P102</cusip>
    <value>4203172</value>
    <shrsOrPrnAmt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITEDHEALTH GROUP INCORPORATED</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>105446</value>
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      <sshPrnamt>338</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>338</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91332U101</cusip>
    <value>3872</value>
    <shrsOrPrnAmt>
      <sshPrnamt>160</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>160</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNITY SOFTWARE INC.</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91332U101</cusip>
    <value>24200</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>1000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91347P105</cusip>
    <value>38615</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
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    <nameOfIssuer>UNUSUAL MACHS INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>91532F102</cusip>
    <value>857</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UNUSUAL MACHS INC</nameOfIssuer>
    <titleOfClass>COM SHS</titleOfClass>
    <cusip>91532F102</cusip>
    <value>52</value>
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      <sshPrnamt>6</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>US BANCORP</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>902973304</cusip>
    <value>293020</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6476</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>6476</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>9050</value>
    <shrsOrPrnAmt>
      <sshPrnamt>200</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>902973304</cusip>
    <value>37258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>823</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>823</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>USCF ETF TR</nameOfIssuer>
    <titleOfClass>MIDSTREAM ENERGY</titleOfClass>
    <cusip>90290T882</cusip>
    <value>33742</value>
    <shrsOrPrnAmt>
      <sshPrnamt>661</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>661</None>
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  <infoTable>
    <nameOfIssuer>USCF MIDSTREAM ENERGY INCOME ETF</nameOfIssuer>
    <titleOfClass>MIDSTREAM ENERGY</titleOfClass>
    <cusip>90290T882</cusip>
    <value>20408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>400</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>27846</value>
    <shrsOrPrnAmt>
      <sshPrnamt>341</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>341</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>3166530</value>
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      <sshPrnamt>38777</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>38777</Sole>
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      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>UTILITIES SELECT SECTOR SPDR FUND</nameOfIssuer>
    <titleOfClass>SBI INT-UTILS</titleOfClass>
    <cusip>81369Y886</cusip>
    <value>2119975</value>
    <shrsOrPrnAmt>
      <sshPrnamt>25961</sshPrnamt>
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    <otherManager>1</otherManager>
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      <Sole>25961</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>V F CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
    <value>2033</value>
    <shrsOrPrnAmt>
      <sshPrnamt>173</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>173</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>V.F. CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>918204108</cusip>
    <value>32571</value>
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      <sshPrnamt>2772</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>2772</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>908370</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6758</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>6758</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>94094</value>
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      <sshPrnamt>700</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>700</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>57935</value>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>1948821</value>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORPORATION</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913Y100</cusip>
    <value>2112276</value>
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      <sshPrnamt>15714</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>15644</Sole>
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  <infoTable>
    <nameOfIssuer>VALLEY NATL BANCORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>919794107</cusip>
    <value>39123</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4381</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>4381</None>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>AFRICA INDEX ETF</titleOfClass>
    <cusip>92189F866</cusip>
    <value>10080</value>
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      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>500</None>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>9977</value>
    <shrsOrPrnAmt>
      <sshPrnamt>192</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>192</None>
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    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
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    <cusip>92189F791</cusip>
    <value>20953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>310</None>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
    <cusip>92189F676</cusip>
    <value>2510</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>9</None>
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  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>FABLESS SEMICOND</titleOfClass>
    <cusip>92189H664</cusip>
    <value>15665</value>
    <shrsOrPrnAmt>
      <sshPrnamt>500</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>500</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>FALLEN ANGEL HG</titleOfClass>
    <cusip>92189F437</cusip>
    <value>9070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>310</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>310</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>521</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>10</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>INTRMDT MUNI ETF</titleOfClass>
    <cusip>92189H201</cusip>
    <value>2592</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>MRNGSTR WDE MOAT</titleOfClass>
    <cusip>92189F643</cusip>
    <value>33765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>360</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>ROBOTICS ETF</titleOfClass>
    <cusip>92189Y402</cusip>
    <value>2297</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>SEMICONDUCTR ETF</titleOfClass>
    <cusip>92189F676</cusip>
    <value>243110</value>
    <shrsOrPrnAmt>
      <sshPrnamt>872</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>872</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>SOCIAL SENTIMENT</titleOfClass>
    <cusip>92189H839</cusip>
    <value>2760</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>91</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>URANIUM AND NUCL</titleOfClass>
    <cusip>92189F601</cusip>
    <value>11118</value>
    <shrsOrPrnAmt>
      <sshPrnamt>100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>100</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK ETF TRUST</nameOfIssuer>
    <titleOfClass>VANECK VIETNAM</titleOfClass>
    <cusip>92189F817</cusip>
    <value>3584</value>
    <shrsOrPrnAmt>
      <sshPrnamt>261</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>261</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK GOLD MINERS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>7288</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>140</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK GOLD MINERS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>484783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9312</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9312</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK JUNIOR GOLD MINERS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189F791</cusip>
    <value>4934</value>
    <shrsOrPrnAmt>
      <sshPrnamt>73</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>73</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK JUNIOR GOLD MINERS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92189F791</cusip>
    <value>496787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7350</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>7350</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANECK VECTORS GOLD MINERS ETF</nameOfIssuer>
    <titleOfClass>GOLD MINERS ETF</titleOfClass>
    <cusip>92189F106</cusip>
    <value>62732</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1205</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1205</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD  INTERMEDIATE TERM TREASURY ETF</nameOfIssuer>
    <titleOfClass>INTER TERM TREAS</titleOfClass>
    <cusip>92206C706</cusip>
    <value>2040239</value>
    <shrsOrPrnAmt>
      <sshPrnamt>34112</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>34112</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>500 GRTH IDX F</titleOfClass>
    <cusip>921932505</cusip>
    <value>23822</value>
    <shrsOrPrnAmt>
      <sshPrnamt>60</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>60</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD ADMIRAL FDS INC</nameOfIssuer>
    <titleOfClass>SMLCP 600 VAL</titleOfClass>
    <cusip>921932778</cusip>
    <value>8759</value>
    <shrsOrPrnAmt>
      <sshPrnamt>102</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>102</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>INTERMED TERM</titleOfClass>
    <cusip>921937819</cusip>
    <value>101393</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1311</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1311</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>28490</value>
    <shrsOrPrnAmt>
      <sshPrnamt>362</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>362</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD BD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>884</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>12</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CHARLOTTE FDS</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>4258</value>
    <shrsOrPrnAmt>
      <sshPrnamt>86</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>86</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD CONSUMER STAPLE ETF</nameOfIssuer>
    <titleOfClass>CONSUM STP ETF</titleOfClass>
    <cusip>92204A207</cusip>
    <value>30660</value>
    <shrsOrPrnAmt>
      <sshPrnamt>140</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>140</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD DIVIDEND APPRECIATION ETF</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>419164</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2048</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2048</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FINANCIALS ETF</nameOfIssuer>
    <titleOfClass>FINANCIALS ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>96748</value>
    <shrsOrPrnAmt>
      <sshPrnamt>760</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>760</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE ALL-WORLD EX US INDEX FUND</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>817866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12167</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12167</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE ALL-WORLD EX-US INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042775</cusip>
    <value>44903</value>
    <shrsOrPrnAmt>
      <sshPrnamt>668</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>668</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE ALL-WORLD EX-US INDEX FUND</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042775</cusip>
    <value>1371221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>20399</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD FTSE EMERGING MARKETS ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>239930</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4851</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4851</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>75405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>172</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>876362</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1999</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1999</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD GROWTH ETF</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>1893450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD HEALTH CARE ETF</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>139070</value>
    <shrsOrPrnAmt>
      <sshPrnamt>560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD HIGH DIVIDEND YIELD INDEX FUND ETF</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>41859</value>
    <shrsOrPrnAmt>
      <sshPrnamt>314</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>314</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>1533524</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3498</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>3498</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>95576</value>
    <shrsOrPrnAmt>
      <sshPrnamt>335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>335</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>1281902</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4581</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4581</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>73030</value>
    <shrsOrPrnAmt>
      <sshPrnamt>820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>820</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>1321806</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2327</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2327</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>46507</value>
    <shrsOrPrnAmt>
      <sshPrnamt>238</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>238</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>709993</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2996</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2996</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>58158</value>
    <shrsOrPrnAmt>
      <sshPrnamt>210</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>210</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>1497160</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4926</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>4926</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>1610632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9113</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9113</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>EXTEND MKT ETF</titleOfClass>
    <cusip>922908652</cusip>
    <value>103012</value>
    <shrsOrPrnAmt>
      <sshPrnamt>535</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>535</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>13164322</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30028</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30028</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>LARGE CAP ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>531926</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1864</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1864</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>15953</value>
    <shrsOrPrnAmt>
      <sshPrnamt>97</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>97</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>138796</value>
    <shrsOrPrnAmt>
      <sshPrnamt>496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>496</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>102249</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1148</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1148</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>1034829</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1822</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1822</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>63165</value>
    <shrsOrPrnAmt>
      <sshPrnamt>324</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>324</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>4164826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17575</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>17575</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>18279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>66</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>66</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>826360</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2719</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2719</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>177094</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1002</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1002</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INDEX FDS S&amp;P 500 ETF SHS NEW</nameOfIssuer>
    <titleOfClass>S&amp;P 500 ETF SHS</titleOfClass>
    <cusip>922908363</cusip>
    <value>124967</value>
    <shrsOrPrnAmt>
      <sshPrnamt>220</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>220</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INFO TECH ETF</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>235464</value>
    <shrsOrPrnAmt>
      <sshPrnamt>355</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>355</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INT TERM CORP</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>196189</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2366</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2366</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTER HIGH DIVIDEND YIELD FD ETF</nameOfIssuer>
    <titleOfClass>INTL HIGH ETF</titleOfClass>
    <cusip>921946794</cusip>
    <value>54074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>675</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>675</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C870</cusip>
    <value>303819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3664</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3664</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTERMEDIATE-TERM TREASURY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C706</cusip>
    <value>251262</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4201</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4201</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>ALLWRLD EX US</titleOfClass>
    <cusip>922042775</cusip>
    <value>91352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1359</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>1359</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>13355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>270</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>270</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>31556</value>
    <shrsOrPrnAmt>
      <sshPrnamt>638</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>638</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>FTSE EUROPE ETF</titleOfClass>
    <cusip>922042874</cusip>
    <value>4728</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD INTL EQUITY INDEX F</nameOfIssuer>
    <titleOfClass>GLB EX US ETF</titleOfClass>
    <cusip>922042676</cusip>
    <value>8031</value>
    <shrsOrPrnAmt>
      <sshPrnamt>174</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>174</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD LARGE-CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908637</cusip>
    <value>254488</value>
    <shrsOrPrnAmt>
      <sshPrnamt>892</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>892</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MALVERN FDS</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
    <value>480381</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9556</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9556</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MEGA CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>921910873</cusip>
    <value>688705</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3062</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3062</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MEGA CAP GROWTH INDEX FUND</nameOfIssuer>
    <titleOfClass>MEGA GRWTH IND</titleOfClass>
    <cusip>921910816</cusip>
    <value>30026</value>
    <shrsOrPrnAmt>
      <sshPrnamt>82</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>82</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID CAP ETF</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>922908629</cusip>
    <value>376636</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1346</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1346</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>51489</value>
    <shrsOrPrnAmt>
      <sshPrnamt>184</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>184</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID-CAP ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>1247202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4457</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4457</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID-CAP ETF INDEX FDS</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>436535</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1560</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1560</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908538</cusip>
    <value>841794</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2960</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2960</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID-CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
    <value>102380</value>
    <shrsOrPrnAmt>
      <sshPrnamt>360</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>360</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID-CAP VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908512</cusip>
    <value>1571415</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>9555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MID-CAP VALUE ETF</nameOfIssuer>
    <titleOfClass>MCAP VL IDXVIP</titleOfClass>
    <cusip>922908512</cusip>
    <value>61673</value>
    <shrsOrPrnAmt>
      <sshPrnamt>375</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>375</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MORTGAGE-BACKED SECURITIES ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C771</cusip>
    <value>257419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5555</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5555</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MSCI EAFE ETF</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>28088770</value>
    <shrsOrPrnAmt>
      <sshPrnamt>492699</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>490656</Sole>
      <Shared>0</Shared>
      <None>2043</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MSCI EMERGING MARKETS ETF</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
    <value>9840463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198958</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>198958</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>7355</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD MUN BD FDS</nameOfIssuer>
    <titleOfClass>TAX EXEMPT BD</titleOfClass>
    <cusip>922907746</cusip>
    <value>143816</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2933</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2933</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD REIT ETF</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>410210</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4606</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4606</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD RUSSELL 1000 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C680</cusip>
    <value>1181544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10820</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>10820</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD RUSSELL 1000 GROWTH ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>92206C680</cusip>
    <value>1393720</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12763</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>12763</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908363</cusip>
    <value>93157</value>
    <shrsOrPrnAmt>
      <sshPrnamt>164</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>OTR</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>164</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908363</cusip>
    <value>2451617</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4316</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4316</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>5121890</value>
    <shrsOrPrnAmt>
      <sshPrnamt>61769</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>61769</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>6440</value>
    <shrsOrPrnAmt>
      <sshPrnamt>81</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>81</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS1000GRW</titleOfClass>
    <cusip>92206C680</cusip>
    <value>20001764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>183166</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>183166</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>INT-TERM CORP</titleOfClass>
    <cusip>92206C870</cusip>
    <value>49484</value>
    <shrsOrPrnAmt>
      <sshPrnamt>597</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>597</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SCOTTSDALE FDS</nameOfIssuer>
    <titleOfClass>VNG RUS2000IDX</titleOfClass>
    <cusip>92206C664</cusip>
    <value>21805</value>
    <shrsOrPrnAmt>
      <sshPrnamt>250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>250</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SHORT TERM CORPORATE BOND ETF</nameOfIssuer>
    <titleOfClass>SHRT TRM CORP BD</titleOfClass>
    <cusip>92206C409</cusip>
    <value>3648573</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45894</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>45282</Sole>
      <Shared>0</Shared>
      <None>612</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP ETF</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>316131</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1334</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>1334</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP GROWTH ETF</nameOfIssuer>
    <titleOfClass>SML CP GRW ETF</titleOfClass>
    <cusip>922908595</cusip>
    <value>47080</value>
    <shrsOrPrnAmt>
      <sshPrnamt>170</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>170</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SMALL CAP VALUE ETF</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>38612</value>
    <shrsOrPrnAmt>
      <sshPrnamt>198</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>198</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>1309632</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6399</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6399</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD SPECIALIZED FUNDS</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
    <value>441962</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2159</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD STAR FDS</nameOfIssuer>
    <titleOfClass>VG TL INTL STK F</titleOfClass>
    <cusip>921909768</cusip>
    <value>1382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>384279</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6741</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6741</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TAX-MANAGED FDS</nameOfIssuer>
    <titleOfClass>VAN FTSE DEV MKT</titleOfClass>
    <cusip>921943858</cusip>
    <value>335163</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5879</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>5879</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TELECOMMUNICATION SERVICES ETF</nameOfIssuer>
    <titleOfClass>COMM SRVC ETF</titleOfClass>
    <cusip>92204A884</cusip>
    <value>425352</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2487</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>2487</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908769</cusip>
    <value>1819933</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5988</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>5988</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD TOTAL STOCK MARKET ETF</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>1366469</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4496</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>4496</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>680096</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3848</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>3848</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD VALUE ETF</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>127783</value>
    <shrsOrPrnAmt>
      <sshPrnamt>723</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
    <votingAuthority>
      <Sole>723</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WHITEHALL FDS</nameOfIssuer>
    <titleOfClass>HIGH DIV YLD</titleOfClass>
    <cusip>921946406</cusip>
    <value>39544</value>
    <shrsOrPrnAmt>
      <sshPrnamt>297</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>297</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>5956</value>
    <shrsOrPrnAmt>
      <sshPrnamt>50</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>50</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>FINANCIALS ETF</titleOfClass>
    <cusip>92204A405</cusip>
    <value>3819</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>37251</value>
    <shrsOrPrnAmt>
      <sshPrnamt>150</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>150</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>INF TECH ETF</titleOfClass>
    <cusip>92204A702</cusip>
    <value>19899</value>
    <shrsOrPrnAmt>
      <sshPrnamt>30</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>30</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>MEGA CAP INDEX</titleOfClass>
    <cusip>921910873</cusip>
    <value>527888</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2347</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>2347</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>COMM SRVC ETF</titleOfClass>
    <cusip>92204A884</cusip>
    <value>57826</value>
    <shrsOrPrnAmt>
      <sshPrnamt>338</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>338</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>2574</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>7</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>ENERGY ETF</titleOfClass>
    <cusip>92204A306</cusip>
    <value>748058</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6280</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>6280</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>EXTENDED DUR</titleOfClass>
    <cusip>921910709</cusip>
    <value>3837</value>
    <shrsOrPrnAmt>
      <sshPrnamt>57</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>57</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>HEALTH CAR ETF</titleOfClass>
    <cusip>92204A504</cusip>
    <value>114613</value>
    <shrsOrPrnAmt>
      <sshPrnamt>462</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>462</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD WORLD FD</nameOfIssuer>
    <titleOfClass>INDUSTRIAL ETF</titleOfClass>
    <cusip>92204A603</cusip>
    <value>39906</value>
    <shrsOrPrnAmt>
      <sshPrnamt>142</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <nameOfIssuer>WELLTOWER INC</nameOfIssuer>
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    <cusip>95040Q104</cusip>
    <value>2518866</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16385</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>16330</Sole>
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      <None>55</None>
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    <nameOfIssuer>WELLTOWER INC COM</nameOfIssuer>
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    <cusip>95040Q104</cusip>
    <value>1238910</value>
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      <Sole>8059</Sole>
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      <None>0</None>
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    <nameOfIssuer>WERIDE INC</nameOfIssuer>
    <titleOfClass>SPONSORED ADS</titleOfClass>
    <cusip>950915108</cusip>
    <value>670</value>
    <shrsOrPrnAmt>
      <sshPrnamt>85</sshPrnamt>
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      <None>85</None>
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    <nameOfIssuer>WESBANCO INC COM</nameOfIssuer>
    <titleOfClass>Stock</titleOfClass>
    <cusip>950810101</cusip>
    <value>561274</value>
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      <Sole>17745</Sole>
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      <None>0</None>
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    <nameOfIssuer>WESTERN AST INFL LKD OPP &amp; I</nameOfIssuer>
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    <cusip>95766R104</cusip>
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      <None>200</None>
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    <nameOfIssuer>WESTERN UN CO</nameOfIssuer>
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    <value>1794</value>
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      <sshPrnamt>213</sshPrnamt>
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      <None>213</None>
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    <nameOfIssuer>WEYERHAEUSER CO MTN BE</nameOfIssuer>
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      <None>547</None>
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    <nameOfIssuer>WEYERHAEUSER COMPANY</nameOfIssuer>
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    <value>61656</value>
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      <sshPrnamt>2400</sshPrnamt>
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      <Sole>2400</Sole>
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      <None>0</None>
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    <nameOfIssuer>WHEATON PRECIOUS METALS CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>962879102</cusip>
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      <sshPrnamt>2550</sshPrnamt>
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      <Sole>0</Sole>
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      <None>2550</None>
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    <nameOfIssuer>WILLIAMS SONOMA INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>969904101</cusip>
    <value>15835</value>
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      <sshPrnamt>97</sshPrnamt>
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      <Sole>0</Sole>
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      <None>97</None>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <cusip>97717W505</cusip>
    <value>19561285</value>
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      <sshPrnamt>390289</sshPrnamt>
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      <None>390289</None>
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    <nameOfIssuer>WISDOMTREE TR</nameOfIssuer>
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    <cusip>97717X669</cusip>
    <value>50244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>600</sshPrnamt>
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      <None>600</None>
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    <nameOfIssuer>WK KELLOGG CO</nameOfIssuer>
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      <sshPrnamt>10</sshPrnamt>
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      <None>10</None>
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    <nameOfIssuer>WOODSIDE ENERGY GROUP LTD</nameOfIssuer>
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    <cusip>980228308</cusip>
    <value>15430</value>
    <shrsOrPrnAmt>
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      <None>1000</None>
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    <cusip>980228308</cusip>
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      <Sole>4</Sole>
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      <None>0</None>
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    <nameOfIssuer>WORKDAY INC</nameOfIssuer>
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    <cusip>98138H101</cusip>
    <value>209520</value>
    <shrsOrPrnAmt>
      <sshPrnamt>873</sshPrnamt>
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      <Sole>0</Sole>
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      <None>873</None>
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    <nameOfIssuer>WORKDAY INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>98138H101</cusip>
    <value>4800</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20</sshPrnamt>
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      <None>20</None>
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    <nameOfIssuer>WORKDAY INC CL A</nameOfIssuer>
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    <value>17040</value>
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    <nameOfIssuer>WORKDAY INC CL A</nameOfIssuer>
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    <cusip>98138H101</cusip>
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    <nameOfIssuer>WORLD GOLD TR</nameOfIssuer>
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    <cusip>98149E303</cusip>
    <value>25619</value>
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      <sshPrnamt>391</sshPrnamt>
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      <None>391</None>
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    <nameOfIssuer>WORLD GOLD TR</nameOfIssuer>
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    <value>5373</value>
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    <nameOfIssuer>WP CAREY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98389B100</cusip>
    <value>6810</value>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>XCEL ENERGY INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98389B100</cusip>
    <value>351396</value>
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      <sshPrnamt>5160</sshPrnamt>
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      <None>5160</None>
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    <nameOfIssuer>XCEL ENERGY, INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98389B100</cusip>
    <value>30645</value>
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      <None>0</None>
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    <nameOfIssuer>XPO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>983793100</cusip>
    <value>24248</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <None>192</None>
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    <nameOfIssuer>XYLEM INC</nameOfIssuer>
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    <cusip>98419M100</cusip>
    <value>1661322</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>12843</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>XYLEM INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>98419M100</cusip>
    <value>11771</value>
    <shrsOrPrnAmt>
      <sshPrnamt>91</sshPrnamt>
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      <Sole>91</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>XYLEM INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98419M100</cusip>
    <value>70502</value>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>545</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>YETI HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98585X104</cusip>
    <value>12608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>400</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <Sole>0</Sole>
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      <None>400</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>988498101</cusip>
    <value>55272</value>
    <shrsOrPrnAmt>
      <sshPrnamt>373</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>373</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>988498101</cusip>
    <value>140771</value>
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      <sshPrnamt>950</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>YUM BRANDS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>988498101</cusip>
    <value>106690</value>
    <shrsOrPrnAmt>
      <sshPrnamt>720</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>1</otherManager>
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      <Sole>720</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>YUM CHINA HLDGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98850P109</cusip>
    <value>44710</value>
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      <sshPrnamt>1000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <Sole>0</Sole>
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      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ZEBRA TECHNOLOGIES CORPORATI</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>989207105</cusip>
    <value>3392</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>3</otherManager>
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      <None>11</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>ZIMMER BIOMET HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98956P102</cusip>
    <value>69046</value>
    <shrsOrPrnAmt>
      <sshPrnamt>757</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <otherManager>2</otherManager>
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      <None>757</None>
    </votingAuthority>
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