<SEC-DOCUMENT>0001166928-22-000016.txt : 20220208
<SEC-HEADER>0001166928-22-000016.hdr.sgml : 20220208
<ACCEPTANCE-DATETIME>20220208143305
ACCESSION NUMBER:		0001166928-22-000016
CONFORMED SUBMISSION TYPE:	13F-HR
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20211231
FILED AS OF DATE:		20220208
DATE AS OF CHANGE:		20220208
EFFECTIVENESS DATE:		20220208

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			WEST BANCORPORATION INC
		CENTRAL INDEX KEY:			0001166928
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				421230603
		STATE OF INCORPORATION:			IA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		13F-HR
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	028-19827
		FILM NUMBER:		22600648

	BUSINESS ADDRESS:	
		STREET 1:		1601 22ND ST
		CITY:			WEST DES MOINES
		STATE:			IA
		ZIP:			50266
		BUSINESS PHONE:		5152222309

	MAIL ADDRESS:	
		STREET 1:		1601 22ND ST
		CITY:			WEST DES MOINES
		STATE:			IA
		ZIP:			50266
</SEC-HEADER>
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<TYPE>13F-HR
<SEQUENCE>1
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          <cik>0001166928</cik>
          <ccc>XXXXXXXX</ccc>
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      <periodOfReport>12-31-2021</periodOfReport>
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      <filingManager>
        <name>WEST BANCORPORATION INC</name>
        <address>
          <com:street1>1601 22ND ST</com:street1>
          <com:city>WEST DES MOINES</com:city>
          <com:stateOrCountry>IA</com:stateOrCountry>
          <com:zipCode>50266</com:zipCode>
        </address>
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      <form13FFileNumber>028-19827</form13FFileNumber>
      <provideInfoForInstruction5>N</provideInfoForInstruction5>
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    <signatureBlock>
      <name>SueAnn Niehaus</name>
      <title>Vice President/Trust Operations</title>
      <phone>5152222399</phone>
      <signature>/s/SueAnn Niehaus</signature>
      <city>West Des Moines</city>
      <stateOrCountry>IA</stateOrCountry>
      <signatureDate>02-07-2022</signatureDate>
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    <nameOfIssuer>3M CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <cusip>00162Q452</cusip>
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    <nameOfIssuer>Allegro  Microsystems INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>01749D105</cusip>
    <value>36</value>
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    <cusip>018802108</cusip>
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    <titleOfClass>CAP STK CL A</titleOfClass>
    <cusip>02079K305</cusip>
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    <nameOfIssuer>Barclays Bank PLC IPATH Bloomberg Commodity Index Total Return ETN</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>Berkshire Hathaway INC</nameOfIssuer>
    <titleOfClass>CL B NEW</titleOfClass>
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  <infoTable>
    <nameOfIssuer>Best Buy CO INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>086516101</cusip>
    <value>51</value>
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  <infoTable>
    <nameOfIssuer>Blackrock INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>09247X101</cusip>
    <value>440</value>
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  <infoTable>
    <nameOfIssuer>Blackstone INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>6</value>
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      <sshPrnamt>48</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>Boeing CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>097023105</cusip>
    <value>9</value>
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      <sshPrnamt>47</sshPrnamt>
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    <value>2</value>
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    <cusip>055622104</cusip>
    <value>24</value>
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    <value>29</value>
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    <cusip>11275Q107</cusip>
    <value>19</value>
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    <nameOfIssuer>Caseys General Stores INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>1579</value>
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    <nameOfIssuer>Caterpillar INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>149123101</cusip>
    <value>283</value>
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    <cusip>150870103</cusip>
    <value>19</value>
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    <nameOfIssuer>Chevron</nameOfIssuer>
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    <cusip>166764100</cusip>
    <value>37</value>
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      <sshPrnamt>316</sshPrnamt>
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    <nameOfIssuer>Chubb Ltd</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>H1467J104</cusip>
    <value>260</value>
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      <sshPrnamt>1345</sshPrnamt>
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    <nameOfIssuer>Cisco Systems INC</nameOfIssuer>
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    <cusip>17275R102</cusip>
    <value>50</value>
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    <nameOfIssuer>Citigroup INC</nameOfIssuer>
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    <cusip>172967424</cusip>
    <value>21</value>
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    <nameOfIssuer>Clean Energy Fuels</nameOfIssuer>
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    <cusip>184499101</cusip>
    <value>12</value>
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    <nameOfIssuer>Cme Group INC</nameOfIssuer>
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    <cusip>12572Q105</cusip>
    <value>8</value>
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    <nameOfIssuer>Coca-cola CO</nameOfIssuer>
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    <value>3</value>
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    <nameOfIssuer>Cognizant Technology Solutions</nameOfIssuer>
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    <cusip>192446102</cusip>
    <value>53</value>
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    <nameOfIssuer>Colgate-palmolive CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>194162103</cusip>
    <value>45</value>
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    <nameOfIssuer>Comcast</nameOfIssuer>
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    <cusip>20030N101</cusip>
    <value>85</value>
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    <nameOfIssuer>Consolidated Edison INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>209115104</cusip>
    <value>9</value>
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    <nameOfIssuer>Constellation Brands INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>21036P108</cusip>
    <value>257</value>
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    <nameOfIssuer>Consumer Discretionary Select Sector SPDT Fd</nameOfIssuer>
    <titleOfClass>SBI CONS DISCR</titleOfClass>
    <cusip>81369Y407</cusip>
    <value>67</value>
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    <nameOfIssuer>Consumer Staples Sector SPDR</nameOfIssuer>
    <titleOfClass>SBI CONS STPLS</titleOfClass>
    <cusip>81369Y308</cusip>
    <value>36</value>
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    <nameOfIssuer>Corteva INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>22052L104</cusip>
    <value>54</value>
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    <nameOfIssuer>Costco Wholesale</nameOfIssuer>
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    <nameOfIssuer>CVS Health</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>126650100</cusip>
    <value>25</value>
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    <nameOfIssuer>D R Horton Inc</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>23331A109</cusip>
    <value>322</value>
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      <sshPrnamt>2972</sshPrnamt>
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    <nameOfIssuer>Danaher</nameOfIssuer>
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    <value>419</value>
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    <nameOfIssuer>Defiance Next Gen Connectivity Etf</nameOfIssuer>
    <titleOfClass>DEFIANCE NEXT</titleOfClass>
    <cusip>26922A289</cusip>
    <value>63</value>
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    <nameOfIssuer>Devon Energy</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25179M103</cusip>
    <value>8</value>
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    <nameOfIssuer>Diageo P L C Spon</nameOfIssuer>
    <titleOfClass>SPON ADR NEW</titleOfClass>
    <cusip>25243Q205</cusip>
    <value>16</value>
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      <sshPrnamt>73</sshPrnamt>
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  <infoTable>
    <nameOfIssuer>Discover Financial Services</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254709108</cusip>
    <value>42</value>
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    <nameOfIssuer>Dominion Energy INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>25746U109</cusip>
    <value>30</value>
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    <value>43</value>
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    <value>102</value>
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    <value>32</value>
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    <value>48</value>
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    <nameOfIssuer>Fidelity National Information Services INC Informatn Svcs</nameOfIssuer>
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    <cusip>31620M106</cusip>
    <value>8</value>
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    <nameOfIssuer>Financial Select Sector SPDR</nameOfIssuer>
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    <nameOfIssuer>Goldman Sachs Activebeta US Large Cap Equity Etf Actvbeta Lrg</nameOfIssuer>
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    <nameOfIssuer>Hartford Financial Services Group INC Grup</nameOfIssuer>
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    <nameOfIssuer>Intel</nameOfIssuer>
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    <titleOfClass>COM</titleOfClass>
    <cusip>459200101</cusip>
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    <nameOfIssuer>Interpublic Group of COS INC</nameOfIssuer>
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    <cusip>460690100</cusip>
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    <cusip>46137V563</cusip>
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    <nameOfIssuer>Invesco Qqq Trust Series 1 Invsc Srs Etf</nameOfIssuer>
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    <cusip>46137V365</cusip>
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    <cusip>46137V357</cusip>
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    <cusip>46266C105</cusip>
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    <titleOfClass>MSCI EAFE ETF</titleOfClass>
    <cusip>464287465</cusip>
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    <nameOfIssuer>Ishares Msci Usa Quality Factor Etf Qlty Fact</nameOfIssuer>
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  <infoTable>
    <nameOfIssuer>ISHARES Russell 1000 Growth ETF</nameOfIssuer>
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    <cusip>464287614</cusip>
    <value>10257</value>
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      <sshPrnamt>33564</sshPrnamt>
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      <Sole>33564</Sole>
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      <None>0</None>
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    <nameOfIssuer>Ishares Russell 1000 Index Fund Etf</nameOfIssuer>
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      <sshPrnamt>97</sshPrnamt>
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      <Sole>97</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES Russell 2000 Growth Index Fund</nameOfIssuer>
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    <cusip>464287648</cusip>
    <value>56</value>
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      <sshPrnamt>190</sshPrnamt>
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    <nameOfIssuer>ISHARES Russell 2000 Index Fd ETF</nameOfIssuer>
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    <cusip>464287655</cusip>
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    <nameOfIssuer>ISHARES Russell 2000 Value</nameOfIssuer>
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    <cusip>464287630</cusip>
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    <nameOfIssuer>ISHARES Russell Mid-Cap Value ETF</nameOfIssuer>
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    <cusip>464287473</cusip>
    <value>101</value>
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    <nameOfIssuer>ISHARES Russell Midcap ETF</nameOfIssuer>
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      <sshPrnamt>110987</sshPrnamt>
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    <nameOfIssuer>ISHARES Russell Midcap Growth ETF</nameOfIssuer>
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    <cusip>464287481</cusip>
    <value>313</value>
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      <sshPrnamt>2717</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>ISHARES S&amp;P Mid-Cap 400 Growth Index</nameOfIssuer>
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    <cusip>464287606</cusip>
    <value>249</value>
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      <sshPrnamt>2916</sshPrnamt>
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      <Sole>2916</Sole>
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      <None>0</None>
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    <nameOfIssuer>ISHARES Silver Trust ETF</nameOfIssuer>
    <titleOfClass>ISHARES</titleOfClass>
    <cusip>46428Q109</cusip>
    <value>22</value>
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      <sshPrnamt>1000</sshPrnamt>
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      <None>0</None>
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    <nameOfIssuer>ISHARES S&amp;P 1500 Index Fund</nameOfIssuer>
    <titleOfClass>CORE S&amp;P TTL STK</titleOfClass>
    <cusip>464287150</cusip>
    <value>201</value>
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      <sshPrnamt>1883</sshPrnamt>
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    <nameOfIssuer>ISHARES S&amp;P Mid-Cap 400 Value Index</nameOfIssuer>
    <titleOfClass>S&amp;P MC 400VL ETF</titleOfClass>
    <cusip>464287705</cusip>
    <value>162</value>
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      <sshPrnamt>1468</sshPrnamt>
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    <nameOfIssuer>Ishares Trust S &amp; P500/bar S&amp;p 500 Growth Etf</nameOfIssuer>
    <titleOfClass>S&amp;P 500 GRWT ETF</titleOfClass>
    <cusip>464287309</cusip>
    <value>157</value>
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      <sshPrnamt>1880</sshPrnamt>
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    <nameOfIssuer>Johnson &amp; Johnson</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>401</value>
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      <Sole>2343</Sole>
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    <nameOfIssuer>JPMORGAN Chase &amp; CO</nameOfIssuer>
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    <cusip>46625H100</cusip>
    <value>594</value>
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      <sshPrnamt>3751</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3751</Sole>
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    <nameOfIssuer>Keysight Technologies INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <value>315</value>
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      <sshPrnamt>1527</sshPrnamt>
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      <Sole>1527</Sole>
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    <nameOfIssuer>Kraft Heinz CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>500754106</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1117</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>1117</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Kyndryl Holdings INC</nameOfIssuer>
    <titleOfClass>COMMON STOCK</titleOfClass>
    <cusip>50155Q100</cusip>
    <value>11</value>
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      <sshPrnamt>620</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>620</Sole>
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      <None>0</None>
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    <nameOfIssuer>Lam Research</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>512807108</cusip>
    <value>41</value>
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      <sshPrnamt>57</sshPrnamt>
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      <Sole>57</Sole>
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      <None>0</None>
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    <nameOfIssuer>Las Vegas Sands</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>517834107</cusip>
    <value>8</value>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Lee Enterprises INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>523768406</cusip>
    <value>3</value>
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      <sshPrnamt>100</sshPrnamt>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Liberty All-star Equity Fund All Star (Closed-End Fd)</nameOfIssuer>
    <titleOfClass>SH BEN INT</titleOfClass>
    <cusip>530158104</cusip>
    <value>83</value>
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      <sshPrnamt>9950</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>9950</Sole>
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      <None>0</None>
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    <nameOfIssuer>Liberty All-star Growth Fund INC (Closed-End Fd)</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>529900102</cusip>
    <value>34</value>
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      <sshPrnamt>3780</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>3780</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>Lions Gate Entertainment</nameOfIssuer>
    <titleOfClass>CL A VTG</titleOfClass>
    <cusip>535919401</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>40</Sole>
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      <None>0</None>
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    <nameOfIssuer>Live Nation Entertainment INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>538034109</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>49</sshPrnamt>
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      <Sole>49</Sole>
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      <None>0</None>
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    <nameOfIssuer>Lockheed Martin</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>539830109</cusip>
    <value>2</value>
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      <sshPrnamt>6</sshPrnamt>
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    <nameOfIssuer>Lowe's Companies INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
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    <nameOfIssuer>Lumen Technologies INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>550241103</cusip>
    <value>457</value>
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      <Sole>36400</Sole>
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    <nameOfIssuer>Macerich CO Reit</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>554382101</cusip>
    <value>40</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2323</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>Manitowoc Company INC</nameOfIssuer>
    <titleOfClass>COM NEW</titleOfClass>
    <cusip>563571405</cusip>
    <value>5</value>
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      <sshPrnamt>250</sshPrnamt>
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    <nameOfIssuer>ManTech International oration</nameOfIssuer>
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    <cusip>564563104</cusip>
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      <sshPrnamt>250</sshPrnamt>
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    <nameOfIssuer>Manulife Financial</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>56501R106</cusip>
    <value>9</value>
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      <sshPrnamt>477</sshPrnamt>
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      <Sole>477</Sole>
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    <nameOfIssuer>Marriott International INC  A</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>571903202</cusip>
    <value>89</value>
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      <sshPrnamt>538</sshPrnamt>
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      <Sole>538</Sole>
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  <infoTable>
    <nameOfIssuer>Marsh &amp; Mclennan Companies INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>571748102</cusip>
    <value>15</value>
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      <sshPrnamt>87</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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  <infoTable>
    <nameOfIssuer>Mastercard INC</nameOfIssuer>
    <titleOfClass>CL A</titleOfClass>
    <cusip>57636Q104</cusip>
    <value>316</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>880</Sole>
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  <infoTable>
    <nameOfIssuer>Materials Select Sector SPDR ETF</nameOfIssuer>
    <titleOfClass>SBI MATERIALS</titleOfClass>
    <cusip>81369Y100</cusip>
    <value>6</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>Medtronic Plc</nameOfIssuer>
    <titleOfClass>SHS</titleOfClass>
    <cusip>G5960L103</cusip>
    <value>80</value>
    <shrsOrPrnAmt>
      <sshPrnamt>777</sshPrnamt>
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    <investmentDiscretion>DFND</investmentDiscretion>
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      <Sole>777</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>Schwab US Dividend Equity ETF</nameOfIssuer>
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    <nameOfIssuer>Schwab US Tips Etf</nameOfIssuer>
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    <value>442</value>
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    <nameOfIssuer>Servicenow INC</nameOfIssuer>
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    <nameOfIssuer>Sl Green Realty  Rlty Reit</nameOfIssuer>
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    <nameOfIssuer>Snap-on INC</nameOfIssuer>
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    <nameOfIssuer>Southern CO</nameOfIssuer>
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    <value>896</value>
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    <cusip>78468R622</cusip>
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    <cusip>78464A813</cusip>
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    <nameOfIssuer>Spdr Lehman Municipal Bond Etf Nuveen Blmbrg Brcly Mncp</nameOfIssuer>
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    <cusip>78468R721</cusip>
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    <nameOfIssuer>Spdr S&amp;p Dividend Etf</nameOfIssuer>
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    <value>49</value>
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    <nameOfIssuer>Stryker</nameOfIssuer>
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    <nameOfIssuer>Target</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87612E106</cusip>
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    <nameOfIssuer>Tc Energy</nameOfIssuer>
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    <nameOfIssuer>Te Connectivity Ltd</nameOfIssuer>
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    <nameOfIssuer>Technology Select Sector SPDR</nameOfIssuer>
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    <nameOfIssuer>U.S. Ban US</nameOfIssuer>
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    <nameOfIssuer>Uber Technologies INC</nameOfIssuer>
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    <nameOfIssuer>Ubs Group Ag</nameOfIssuer>
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    <nameOfIssuer>Unilever Plc  Rep 1</nameOfIssuer>
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    <cusip>904767704</cusip>
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    <nameOfIssuer>Union Pacific</nameOfIssuer>
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    <nameOfIssuer>United Parcel Service INC</nameOfIssuer>
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    <nameOfIssuer>Unitedhealth Group INC Grp</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91324P102</cusip>
    <value>45</value>
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      <sshPrnamt>89</sshPrnamt>
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    <nameOfIssuer>Uniti Group INC</nameOfIssuer>
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    <nameOfIssuer>Vanguard FTSE Emerging Markets ETF</nameOfIssuer>
    <titleOfClass>FTSE EMR MKT ETF</titleOfClass>
    <cusip>922042858</cusip>
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    <nameOfIssuer>Vanguard Consumer Discretionary Etf</nameOfIssuer>
    <titleOfClass>CONSUM DIS ETF</titleOfClass>
    <cusip>92204A108</cusip>
    <value>232</value>
    <shrsOrPrnAmt>
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    <nameOfIssuer>Vanguard Dividend Appreciation ETF</nameOfIssuer>
    <titleOfClass>DIV APP ETF</titleOfClass>
    <cusip>921908844</cusip>
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    <nameOfIssuer>Vanguard Energy Index Fund Etf</nameOfIssuer>
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    <nameOfIssuer>Vanguard European Stock Index Fund Ftse Europe Etf</nameOfIssuer>
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    <cusip>922042874</cusip>
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    <nameOfIssuer>Vanguard Extended Markets Index Fund Market Etf</nameOfIssuer>
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    <cusip>922908652</cusip>
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    <nameOfIssuer>Vanguard Financials Etf</nameOfIssuer>
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    <cusip>92204A405</cusip>
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    <nameOfIssuer>Vanguard FTSE Developed Markets ETF</nameOfIssuer>
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    <cusip>921943858</cusip>
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    <nameOfIssuer>Vanguard Health Care Etf</nameOfIssuer>
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    <cusip>92204A504</cusip>
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    <nameOfIssuer>Vanguard High Dividend Yield ETF</nameOfIssuer>
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    <nameOfIssuer>Vanguard Index Funds S&amp;p 500 ETF</nameOfIssuer>
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    <cusip>922908363</cusip>
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    <nameOfIssuer>Vanguard Index Funds Vanguard Growth ETF</nameOfIssuer>
    <titleOfClass>GROWTH ETF</titleOfClass>
    <cusip>922908736</cusip>
    <value>78</value>
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    <nameOfIssuer>Vanguard Index Funds Vanguard Value ETF</nameOfIssuer>
    <titleOfClass>VALUE ETF</titleOfClass>
    <cusip>922908744</cusip>
    <value>242</value>
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    <nameOfIssuer>Vanguard Information Technology Etf</nameOfIssuer>
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    <cusip>92204A702</cusip>
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    <nameOfIssuer>Vanguard Intermediate Term B</nameOfIssuer>
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    <cusip>921937819</cusip>
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  <infoTable>
    <nameOfIssuer>Vanguard Intl Equity Index Funds Vanguard Ftse All World Ex Usetf</nameOfIssuer>
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    <cusip>922042775</cusip>
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    <nameOfIssuer>Vanguard Mid Cap ETF</nameOfIssuer>
    <titleOfClass>MID CAP ETF</titleOfClass>
    <cusip>922908629</cusip>
    <value>478</value>
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    <nameOfIssuer>Vanguard Mid-cap Growth Index Fund Mid Cap Etf</nameOfIssuer>
    <titleOfClass>MCAP GR IDXVIP</titleOfClass>
    <cusip>922908538</cusip>
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    <nameOfIssuer>Vanguard Mid-cap Value Index Fund Mid Cap Etf</nameOfIssuer>
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    <cusip>922908512</cusip>
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    <nameOfIssuer>Vanguard Real Estate ETF</nameOfIssuer>
    <titleOfClass>REAL ESTATE ETF</titleOfClass>
    <cusip>922908553</cusip>
    <value>76</value>
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    <nameOfIssuer>Vanguard S&amp;p Mid-cap 400 Index Fund Mid Cap Etf</nameOfIssuer>
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    <cusip>921932885</cusip>
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    <nameOfIssuer>Vanguard Short-Term Bond ETF</nameOfIssuer>
    <titleOfClass>SHORT TRM BOND</titleOfClass>
    <cusip>921937827</cusip>
    <value>114</value>
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    <nameOfIssuer>Vanguard Short-term orate Bond Idx FUND Short Term Cor Bd Etf</nameOfIssuer>
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    <cusip>92206C409</cusip>
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    <nameOfIssuer>Vanguard Sht-term Inflation-protected Sec Idx Shrt Inf Prot Index Etf</nameOfIssuer>
    <titleOfClass>STRM INFPROIDX</titleOfClass>
    <cusip>922020805</cusip>
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    <nameOfIssuer>Vanguard Small Cap ETF</nameOfIssuer>
    <titleOfClass>SMALL CP ETF</titleOfClass>
    <cusip>922908751</cusip>
    <value>2348</value>
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    <nameOfIssuer>Vanguard Small Cap Value Etf</nameOfIssuer>
    <titleOfClass>SM CP VAL ETF</titleOfClass>
    <cusip>922908611</cusip>
    <value>11</value>
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    <nameOfIssuer>Vanguard Small-cap Growth Index Fund Small Cap Etf</nameOfIssuer>
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    <cusip>922908595</cusip>
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    <nameOfIssuer>Vanguard Total Bond Market ETF</nameOfIssuer>
    <titleOfClass>TOTAL BND MRKT</titleOfClass>
    <cusip>921937835</cusip>
    <value>55</value>
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    <nameOfIssuer>Vanguard Total International Bond Index Fund Bnd Etf</nameOfIssuer>
    <titleOfClass>TOTAL INT BD ETF</titleOfClass>
    <cusip>92203J407</cusip>
    <value>214</value>
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    <nameOfIssuer>Vanguard Total International Stock Index Fund Stk Etf</nameOfIssuer>
    <titleOfClass>VG TL INTL STK F</titleOfClass>
    <cusip>921909768</cusip>
    <value>300</value>
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      <sshPrnamt>4715</sshPrnamt>
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    <nameOfIssuer>Vanguard Total Stock Market VIPERs ETF</nameOfIssuer>
    <titleOfClass>TOTAL STK MKT</titleOfClass>
    <cusip>922908769</cusip>
    <value>693</value>
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  <infoTable>
    <nameOfIssuer>Vanguard Utilities Etf</nameOfIssuer>
    <titleOfClass>UTILITIES ETF</titleOfClass>
    <cusip>92204A876</cusip>
    <value>9</value>
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    <nameOfIssuer>Veeva Systems INC</nameOfIssuer>
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    <cusip>922475108</cusip>
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  <infoTable>
    <nameOfIssuer>Verizon Communications INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>469</value>
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    <nameOfIssuer>Viatris INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92556V106</cusip>
    <value>29</value>
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    <investmentDiscretion>DFND</investmentDiscretion>
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    <nameOfIssuer>Visa INC</nameOfIssuer>
    <titleOfClass>COM CL A</titleOfClass>
    <cusip>92826C839</cusip>
    <value>112</value>
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</SEC-DOCUMENT>
