The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co COM 88579Y101   4,497,037 48,035 SH   DFND   47,655 0 380
ADVANCED MICRO DEV COM 007903107   1,182,533 11,501 SH   DFND   11,501 0 0
ALBEMARLE CORP COM 012653101   786,775 4,627 SH   DFND   4,625 0 2
ALPHABET INC CAP STK CL A 02079K305   12,900,179 98,580 SH   DFND   97,206 0 1,374
ALTRIA GROUP INC COM 02209S103   255,244 6,070 SH   DFND   6,070 0 0
AMER EXPRESS CO COM 025816109   325,980 2,185 SH   DFND   1,885 0 300
AMETEK Inc COM 031100100   1,221,975 8,270 SH   DFND   7,850 0 420
ANALOG DEVICES INC COM 032654105   254,580 1,454 SH   DFND   1,109 0 345
APPLIED MATERIALS COM 038222105   773,105 5,584 SH   DFND   4,384 0 1,200
ARISTA NETWORKS INC COM 040413106   1,885,466 10,251 SH   DFND   10,251 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210   2,690,176 4,570 SH   DFND   4,570 0 0
AT&T INC COM 00206R102   1,224,325 81,513 SH   DFND   79,405 0 2,108
AUTOMATIC DATA PROCESSING COM 053015103   12,654,748 52,601 SH   DFND   50,605 0 1,996
AUTOZONE INC COM 053332102   2,047,232 806 SH   DFND   806 0 0
AbbVie Inc COM 00287Y109   11,828,209 79,352 SH   DFND   75,952 0 3,400
Abbott Laboratories COM 002824100   13,931,873 143,850 SH   DFND   140,113 0 3,737
Accenture PLC SHS CLASS A G1151C101   4,705,233 15,321 SH   DFND   15,077 0 244
Adobe Inc COM 00724F101   4,510,575 8,846 SH   DFND   8,615 0 231
Aflac Inc COM 001055102   269,239 3,508 SH   DFND   2,658 0 850
Air Products and Chemicals Inc COM 009158106   6,925,446 24,437 SH   DFND   22,496 0 1,941
Akamai Technologies Inc COM 00971T101   1,288,282 12,092 SH   DFND   12,078 0 14
Alphabet Inc CAP STK CL C 02079K107   4,019,315 30,484 SH   DFND   29,084 0 1,400
Amazon.com Inc COM 023135106   10,699,563 84,169 SH   DFND   83,441 0 728
American Tower Corp COM 03027X100   3,591,424 21,839 SH   DFND   21,289 0 550
American Water Works Co Inc COM 030420103   593,021 4,789 SH   DFND   4,689 0 100
Amgen Inc COM 031162100   762,204 2,836 SH   DFND   2,636 0 200
Amphenol Corp CL A 032095101   2,649,633 31,547 SH   DFND   31,223 0 324
Aon PLC SHS CL A G0403H108   1,137,688 3,509 SH   DFND   3,509 0 0
Apple Inc COM 037833100   47,389,387 276,791 SH   DFND   265,424 0 11,367
AvalonBay Communities Inc COM 053484101   888,239 5,172 SH   DFND   5,007 0 165
BAKER HUGHES INC CL A 05722G100   5,969,080 169,000 SH   DFND   167,448 0 1,552
BALL CORP COM 058498106   3,217,829 64,641 SH   DFND   64,441 0 200
BARRICK GOLD CORP COM 067901108   7,062,614 485,403 SH   DFND   482,403 0 3,000
BECTON DICKINSON COM 075887109   2,054,279 7,946 SH   DFND   7,946 0 0
BK OF AMERICA CORP COM 060505104   3,073,515 112,254 SH   DFND   112,185 0 69
BLACKROCK FUNDS/CLOSED-END/USA COM 09254F100   125,880 12,305 SH   DFND   0 0 12,305
BOEING CO COM 097023105   234,041 1,221 SH   DFND   1,151 0 70
BP PLC SPONSORED ADR 055622104   365,053 9,428 SH   DFND   8,986 0 442
BRISTOL-MYRS SQUIB COM 110122108   2,078,703 35,815 SH   DFND   34,415 0 1,400
Bar Harbor Bankshares COM 066849100   10,190,887 431,269 SH   DFND   12,800 0 418,469
Berkshire Hathaway Inc CL B NEW 084670702   13,743,320 39,233 SH   DFND   38,466 0 767
BlackRock Fund Advisors CORE S&P TTL STK 464287150   5,096,715 54,111 SH   DFND   54,111 0 0
BlackRock Fund Advisors MSCI EAFE ETF 464287465   1,761,250 25,555 SH   DFND   25,405 0 150
BlackRock Fund Advisors RUS MID CAP ETF 464287499   445,901 6,439 SH   DFND   6,439 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   21,606,177 86,650 SH   DFND   86,256 0 394
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   403,894 5,591 SH   DFND   5,591 0 0
BlackRock Fund Advisors S&P MC 400VL ETF 464287705   211,246 2,093 SH   DFND   2,093 0 0
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   19,154,179 203,055 SH   DFND   200,980 0 2,075
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   19,315,801 397,036 SH   DFND   392,035 0 5,001
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   19,559,322 392,521 SH   DFND   389,781 0 2,740
BlackRock Fund Advisors PFD AND INCM SEC 464288687   483,214 16,027 SH   DFND   14,527 0 1,500
BlackRock Funds/Closed-End/USA COM 09253X102   138,294 13,625 SH   DFND   0 0 13,625
BlackRock Inc COM 09247X101   645,844 999 SH   DFND   999 0 0
Blackstone Inc COM 09260D107   367,490 3,430 SH   DFND   3,430 0 0
Booking Holdings Inc COM 09857L108   2,494,916 809 SH   DFND   809 0 0
Booz Allen Hamilton Holding Co CL A 099502106   8,775,036 80,306 SH   DFND   79,831 0 475
Broadcom Inc COM 11135F101   492,534 593 SH   DFND   133 0 460
Brookfield Renewable Partners CL A SUB VTG 11284V105   628,449 26,251 SH   DFND   24,751 0 1,500
Brown & Brown Inc COM 115236101   11,406,618 163,325 SH   DFND   162,275 0 1,050
CARRIER GLOBAL CORP COM 14448C104   515,788 9,344 SH   DFND   5,850 0 3,494
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   495,320 7,000 SH   DFND   7,000 0 0
CHUBB LIMITED COM COM H1467J104   4,504,390 21,637 SH   DFND   20,849 0 788
CINTAS CORP COM 172908105   787,894 1,638 SH   DFND   1,638 0 0
CISCO SYSTEMS COM 17275R102   4,843,937 90,103 SH   DFND   89,433 0 670
COLGATE-PALMOLIVE COM 194162103   10,559,977 148,502 SH   DFND   148,502 0 0
CONOCOPHILLIPS COM 20825C104   389,111 3,248 SH   DFND   2,758 0 490
CORNING INC COM 219350105   1,756,504 57,647 SH   DFND   55,891 0 1,756
CSX CORP COM 126408103   2,425,499 78,878 SH   DFND   66,878 0 12,000
CVS Health Corp COM 126650100   506,474 7,254 SH   DFND   7,254 0 0
Caterpillar Inc COM 149123101   14,022,645 51,365 SH   DFND   51,365 0 0
Chevron Corp COM 166764100   17,785,363 105,476 SH   DFND   104,272 0 1,204
Church & Dwight Co Inc COM 171340102   207,542 2,265 SH   DFND   2,265 0 0
Clorox Co/The COM 189054109   300,783 2,295 SH   DFND   2,295 0 0
Coca-Cola Co/The COM 191216100   3,533,513 63,121 SH   DFND   62,821 0 300
Comcast Corp CL A 20030N101   3,559,039 80,267 SH   DFND   78,099 0 2,168
Consolidated Edison Inc COM 209115104   279,169 3,264 SH   DFND   3,164 0 100
Costco Wholesale Corp COM 22160K105   21,440,797 37,951 SH   DFND   37,773 0 178
DEERE & CO COM 244199105   661,547 1,753 SH   DFND   1,703 0 50
DOMINION RES(VIR) COM 25746U109   2,500,225 55,971 SH   DFND   54,927 0 1,044
DUKE ENERGY CORP COM NEW 26441C204   237,420 2,690 SH   DFND   2,690 0 0
Danaher Corp COM 235851102   7,321,183 29,509 SH   DFND   29,093 0 416
Dollar Tree Inc COM 256746108   1,028,094 9,658 SH   DFND   9,647 0 11
Dover Corp COM 260003108   558,459 4,003 SH   DFND   3,723 0 280
Dow Inc COM 260557103   955,562 18,533 SH   DFND   18,085 0 448
Dreyfus Funds/Closed-end/USA COM SHS 09662W109   202,368 20,400 SH   DFND   0 0 20,400
DuPont de Nemours Inc COM 26614N102   967,656 12,973 SH   DFND   12,525 0 448
ECOLAB INC COM 278865100   717,917 4,238 SH   DFND   4,238 0 0
EMERSON ELECTRIC COM 291011104   6,335,668 65,607 SH   DFND   65,607 0 0
EQUINIX INC COM 29444U700   1,188,161 1,636 SH   DFND   1,634 0 2
EQUITY COMMONWEALTH 6.5% CNV PFD D 294628201   5,321,503 212,775 SH   DFND   209,025 0 3,750
Eaton Corp PLC SHS G29183103   2,475,754 11,608 SH   DFND   11,598 0 10
Eaton Vance Management SH BEN INT 27826U108   119,510 13,413 SH   DFND   0 0 13,413
Elevance Health Inc COM 036752103   269,525 619 SH   DFND   619 0 0
Eli Lilly & Co COM 532457108   42,734,063 79,560 SH   DFND   79,560 0 0
Essential Utilities Inc COM 29670G102   208,280 6,067 SH   DFND   6,067 0 0
Eversource Energy COM 30040W108   271,619 4,671 SH   DFND   4,671 0 0
Exxon Mobil Corp COM 30231G102   20,589,551 175,111 SH   DFND   167,643 0 7,468
FEDEX CORP COM 31428X106   3,876,310 14,632 SH   DFND   14,623 0 9
FMC Corp COM NEW 302491303   290,114 4,332 SH   DFND   4,332 0 0
First Bancorp Inc/The COM 31866P102   244,001 10,383 SH   DFND   10,383 0 0
GE HealthCare Technologies Inc COMMON STOCK 36266G107   1,602,478 23,552 SH   DFND   23,356 0 196
GENERAL MILLS INC COM 370334104   1,315,634 20,560 SH   DFND   19,280 0 1,280
GSK PLC SPONSORED ADR 37733W204   2,432,086 67,092 SH   DFND   67,092 0 0
General Electric Co COM NEW 369604301   343,037 3,103 SH   DFND   2,515 0 588
Genuine Parts Co COM 372460105   788,171 5,459 SH   DFND   5,459 0 0
Gilead Sciences Inc COM 375558103   316,096 4,218 SH   DFND   3,718 0 500
Grupo Aeroportuario del Surest SPON ADR SER B 40051E202   7,563,691 30,783 SH   DFND   30,783 0 0
Harbor ETF Trust SCIENTIFIC HIGH 41151J109   209,392 4,876 SH   DFND   1,472 0 3,404
Hewlett Packard Enterprise Co COM 42824C109   176,253 10,147 SH   DFND   10,147 0 0
Home Depot Inc/The COM 437076102   7,883,656 26,091 SH   DFND   25,502 0 589
Honeywell International Inc COM 438516106   1,051,910 5,694 SH   DFND   4,894 0 800
Huntington Ingalls Industries COM 446413106   7,594,828 37,124 SH   DFND   37,124 0 0
ILLINOIS TOOL WKS COM 452308109   1,159,841 5,036 SH   DFND   5,036 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   3,387,956 30,794 SH   DFND   30,267 0 527
INTL BUSINESS MCHN COM 459200101   7,988,823 56,941 SH   DFND   56,921 0 20
ISHARES MSCI STH AFR ETF 464286780   602,861 16,025 SH   DFND   16,025 0 0
ISHARES SELECT DIVID ETF 464287168   795,137 7,387 SH   DFND   7,387 0 0
ISHARES CHINA LG-CAP ETF 464287184   957,574 36,094 SH   DFND   36,094 0 0
ISHARES CORE S&P500 ETF 464287200   41,119,641 95,754 SH   DFND   95,229 0 525
ISHARES IBOXX INV CP ETF 464287242   6,411,651 62,847 SH   DFND   62,381 0 466
ISHARES S&P 500 GRWT ETF 464287309   609,691 8,911 SH   DFND   8,911 0 0
ISHARES ISHARES BIOTECH 464287556   1,767,947 14,457 SH   DFND   14,388 0 69
ISHARES RUSSELL 2000 ETF 464287655   457,050 2,586 SH   DFND   2,586 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,196,336 31,524 SH   DFND   30,774 0 750
ISHARES TRUST TIPS BD ETF 464287176   2,806,352 27,057 SH   DFND   26,822 0 235
ISHARES TRUST 1 3 YR TREAS BD 464287457   228,335 2,820 SH   DFND   2,820 0 0
ISHARES TRUST GLOBAL 100 ETF 464287572   261,467 3,570 SH   DFND   3,570 0 0
ISHARES TRUST GL CLEAN ENE ETF 464288224   164,621 11,260 SH   DFND   11,260 0 0
ISHARES TRUST IBOXX HI YD ETF 464288513   822,936 11,163 SH   DFND   11,163 0 0
Intel Corp COM 458140100   2,968,106 83,491 SH   DFND   82,691 0 800
Invesco ETFs/USA UNIT SER 1 46090E103   12,349,925 34,471 SH   DFND   34,471 0 0
JPMorgan Chase & Co COM 46625H100   12,506,670 86,241 SH   DFND   85,526 0 715
Johnson & Johnson COM 478160104   38,411,376 246,622 SH   DFND   239,914 0 6,708
KELLOGG CO COM 487836108   1,162,766 19,539 SH   DFND   18,739 0 800
KIMBERLY-CLARK CP COM 494368103   1,186,505 9,818 SH   DFND   9,818 0 0
KLA Corp COM NEW 482480100   224,743 490 SH   DFND   490 0 0
KRAFT FOODS INC CL A 609207105   356,647 5,139 SH   DFND   5,139 0 0
Kinder Morgan Inc COM 49456B101   3,057,485 184,408 SH   DFND   183,707 0 701
L3Harris Technologies Inc COM 502431109   3,323,602 19,088 SH   DFND   19,061 0 27
LEGG MASON PARTNERS FUND ADVISOR LLC COM 95766M105   168,973 18,922 SH   DFND   0 0 18,922
LOWE'S COS INC COM 548661107   2,185,645 10,516 SH   DFND   10,296 0 220
Lam Research Corp COM 512807108   3,630,879 5,793 SH   DFND   5,788 0 5
Linde PLC SHS G54950103   1,497,592 4,022 SH   DFND   3,907 0 115
Lockheed Martin Corp COM 539830109   988,865 2,418 SH   DFND   2,418 0 0
M&T Bank Corp COM 55261F104   303,986 2,404 SH   DFND   2,345 0 59
MARSH & MCLENNAN COM 571748102   870,432 4,574 SH   DFND   4,450 0 124
MASTERCARD INC CL A 57636Q104   7,493,389 18,927 SH   DFND   18,831 0 96
MCDONALD'S CORP COM 580135101   4,637,071 17,602 SH   DFND   15,952 0 1,650
MICROSOFT CORP COM 594918104   27,064,511 85,715 SH   DFND   81,223 0 4,492
MOODYS CORP COM 615369105   470,461 1,488 SH   DFND   1,488 0 0
Marathon Petroleum Corp COM 56585A102   740,961 4,896 SH   DFND   4,896 0 0
Medtronic PLC SHS G5960L103   8,338,209 106,409 SH   DFND   106,284 0 125
Merck & Co Inc COM 58933Y105   14,103,223 136,991 SH   DFND   134,786 0 2,205
NEXTERA ENERGY COM 65339F101   6,317,483 110,272 SH   DFND   107,007 0 3,265
NIKE INC CL B 654106103   4,600,278 48,110 SH   DFND   47,573 0 537
NVIDIA Corp COM 67066G104   1,564,224 3,596 SH   DFND   3,596 0 0
Nelnet Inc CL A 64031N108   9,382,173 105,040 SH   DFND   104,540 0 500
Neuberger Berman Funds/Closed- COM 64124P101   182,956 19,865 SH   DFND   630 0 19,235
Noble Holding Corp PLC ORD SHS A G65431127   4,823,906 95,240 SH   DFND   95,240 0 0
Norfolk Southern Corp COM 655844108   1,453,934 7,383 SH   DFND   7,183 0 200
Novartis AG SPONSORED ADR 66987V109   326,665 3,207 SH   DFND   2,807 0 400
Novo Holdings A/S ADR 670100205   26,851,126 295,262 SH   DFND   290,576 0 4,686
Nuveen Closed-End Funds/USA COM 670657105   171,442 17,711 SH   DFND   3,014 0 14,697
Nuveen Closed-End Funds/USA COM 67066V101   132,074 13,025 SH   DFND   2,550 0 10,475
Nuveen Closed-End Funds/USA COM 670928100   6,613,980 800,724 SH   DFND   785,724 0 15,000
OGE Energy Corp COM 670837103   456,754 13,704 SH   DFND   13,704 0 0
ON Semiconductor Corp COM 682189105   2,891,675 31,110 SH   DFND   31,061 0 49
ORACLE CORP COM 68389X105   572,816 5,408 SH   DFND   4,758 0 650
Otis Worldwide Corp COM 68902V107   384,363 4,786 SH   DFND   3,040 0 1,746
PACCAR INC COM 693718108   6,051,553 71,178 SH   DFND   70,481 0 697
PARKER-HANNIFIN COM 701094104   7,949,324 20,408 SH   DFND   20,308 0 100
PEPSICO INC COM 713448108   10,594,914 62,529 SH   DFND   58,356 0 4,173
PHILIP MORRIS INTL COM 718172109   548,907 5,929 SH   DFND   5,929 0 0
PNC Financial Services Group I COM 693475105   351,613 2,864 SH   DFND   2,864 0 0
Paychex Inc COM 704326107   263,414 2,284 SH   DFND   2,284 0 0
Perrigo Co PLC SHS G97822103   6,605,919 206,758 SH   DFND   205,408 0 1,350
Pfizer Inc COM 717081103   7,959,175 239,951 SH   DFND   230,456 0 9,495
Pfizer Inc CL A 98978V103   254,707 1,464 SH   DFND   1,464 0 0
Phillips 66 COM 718546104   613,486 5,106 SH   DFND   4,881 0 225
Procter & Gamble Co/The COM 742718109   12,870,249 88,237 SH   DFND   82,285 0 5,952
PureCycle Technologies Inc COM 74623V103   72,930 13,000 SH   DFND   13,000 0 0
QUALCOMM Inc COM 747525103   1,554,618 13,998 SH   DFND   12,963 0 1,035
ROCKWELL AUTOMATION COM 773903109   1,451,076 5,076 SH   DFND   4,526 0 550
ROPER INDUSTRIES INC COM 776696106   721,093 1,489 SH   DFND   1,340 0 149
RTX Corp COM 75513E101   1,551,961 21,564 SH   DFND   17,612 0 3,952
S&P Global Inc COM 78409V104   684,413 1,873 SH   DFND   1,873 0 0
SALESFORCE.COM INC COM 79466L302   2,541,239 12,532 SH   DFND   12,527 0 5
SANDSTORM GOLD LTD COM NEW 80013R206   5,485,132 1,177,067 SH   DFND   1,159,047 0 18,020
SELECT SECTOR SPDR SBI MATERIALS 81369Y100   2,138,681 27,227 SH   DFND   27,197 0 30
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   19,913,632 154,681 SH   DFND   154,490 0 191
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   11,617,949 168,841 SH   DFND   168,724 0 117
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407   21,127,337 131,242 SH   DFND   131,093 0 149
SELECT SECTOR SPDR ENERGY 81369Y506   7,683,601 85,005 SH   DFND   84,945 0 60
SELECT SECTOR SPDR FINANCIAL 81369Y605   14,060,332 423,887 SH   DFND   423,013 0 874
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   78,812,299 480,768 SH   DFND   480,270 0 498
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886   2,106,571 35,747 SH   DFND   35,689 0 58
SSGA Funds Management Inc S&P DIVID ETF 78464A763   1,264,305 10,993 SH   DFND   10,639 0 354
SSgA Funds Management Inc COMMUNICATION 81369Y852   4,661,896 71,098 SH   DFND   70,957 0 141
STARBUCKS CORP COM 855244109   2,381,417 26,092 SH   DFND   26,073 0 19
STATE STREET ETF/USA NUVEEN BLOOMBERG 78464A284   363,207 15,248 SH   DFND   0 0 15,248
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   451,161 988 SH   DFND   988 0 0
Schlumberger NV COM STK 806857108   553,617 9,496 SH   DFND   8,996 0 500
Southern Co/The COM 842587107   430,518 6,652 SH   DFND   6,452 0 200
State Street ETF/USA TR UNIT 78462F103   3,851,167 9,009 SH   DFND   9,009 0 0
State Street Global Advisors Inc SBI INT-INDS 81369Y704   15,734,379 155,202 SH   DFND   155,123 0 79
State Street Global Advisors Inc RL EST SEL SEC 81369Y860   2,259,931 66,332 SH   DFND   66,238 0 94
Synopsys Inc COM 871607107   464,018 1,011 SH   DFND   969 0 42
Sysco Corp COM 871829107   8,390,661 127,035 SH   DFND   125,675 0 1,360
TEXAS INSTRUMENTS COM 882508104   1,339,659 8,425 SH   DFND   8,365 0 60
TJX Cos Inc/The COM 872540109   8,425,025 94,791 SH   DFND   93,941 0 850
TRACTOR SUPPLY CO COM 892356106   1,288,555 6,346 SH   DFND   6,311 0 35
TRAVELERS CO INC COM 89417E109   272,074 1,666 SH   DFND   1,666 0 0
Target Corp COM 87612E106   631,907 5,715 SH   DFND   5,653 0 62
Tesla Inc COM 88160R101   227,950 911 SH   DFND   911 0 0
Texas Pacific Land Corp COM 88262P102   13,873,644 7,608 SH   DFND   7,563 0 45
Thermo Fisher Scientific Inc COM 883556102   4,766,603 9,417 SH   DFND   9,210 0 207
Timken Co/The COM 887389104   2,638,585 35,904 SH   DFND   35,904 0 0
UTD PARCEL SERV CL B 911312106   13,555,546 86,967 SH   DFND   86,617 0 350
Ulta Beauty Inc COM 90384S303   996,628 2,495 SH   DFND   2,495 0 0
Unilever PLC SPON ADR NEW 904767704   2,421,638 49,021 SH   DFND   48,981 0 40
Union Pacific Corp COM 907818108   1,444,755 7,095 SH   DFND   6,550 0 545
UnitedHealth Group Inc COM 91324P102   6,306,913 12,509 SH   DFND   12,397 0 112
VANGUARD S&P 500 ETF SHS 922908363   585,123 1,490 SH   DFND   1,490 0 0
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   5,635,143 143,717 SH   DFND   140,587 0 3,130
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409   5,235,249 69,664 SH   DFND   69,664 0 0
VANGUARD ETF/USA TOTAL STK MKT 922908769   387,648 1,825 SH   DFND   1,825 0 0
VERIZON COMMUN COM 92343V104   4,754,223 146,690 SH   DFND   142,785 0 3,905
VISA INC COM CL A 92826C839   2,789,332 12,127 SH   DFND   12,087 0 40
Valero Energy Corp COM 91913Y100   1,936,892 13,668 SH   DFND   13,668 0 0
Van Kampen Funds/Closed-end/US COM 46132C107   162,913 19,795 SH   DFND   0 0 19,795
Van Kampen Funds/Closed-end/US COM 46133G107   111,990 13,348 SH   DFND   0 0 13,348
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   16,318,009 373,239 SH   DFND   372,544 0 695
Vanguard ETF/USA REAL ESTATE ETF 922908553   245,971 3,251 SH   DFND   3,251 0 0
Vanguard ETF/USA MID CAP ETF 922908629   2,681,714 12,878 SH   DFND   12,878 0 0
Vanguard ETF/USA SMALL CP ETF 922908751   282,092 1,492 SH   DFND   1,492 0 0
WASTE MANAGEMENT COM 94106L109   4,103,380 26,918 SH   DFND   26,905 0 13
WISDOMTREE ASSET MANAGEMENT INC US LARGECAP FUND 97717W588   459,101 10,035 SH   DFND   10,035 0 0
WW Grainger Inc COM 384802104   222,772 322 SH   DFND   322 0 0
Walgreens Boots Alliance Inc COM 931427108   1,885,463 84,778 SH   DFND   84,778 0 0
Walmart Inc COM 931142103   8,922,015 55,787 SH   DFND   55,678 0 109
Walt Disney Co/The COM 254687106   3,347,122 41,297 SH   DFND   39,601 0 1,696
Western Asset Trust Closed End COM 95766P108   205,305 19,405 SH   DFND   0 0 19,405
Western Asset Trust Closed End COM 958435109   108,188 15,110 SH   DFND   0 0 15,110
Xcel Energy Inc COM 98389B100   325,525 5,689 SH   DFND   5,689 0 0
YUM BRANDS INC COM 988498101   645,940 5,170 SH   DFND   5,170 0 0
ZIMMER HLDGS INC COM 98956P102   3,430,678 30,571 SH   DFND   30,555 0 16
iShares ETFs/USA CORE US AGGBD ET 464287226   43,432,938 461,856 SH   DFND   458,264 0 3,592
iShares ETFs/USA 7-10 YR TRSY BD 464287440   204,154 2,229 SH   DFND   2,229 0 0