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

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

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
22nd Century Group Inc COM 90137F103 167 180,000 SH   DFND   180,000 0 0
3M Co COM 88579Y101 5,716 51,729 SH   DFND   51,349 0 380
ADVANCED MICRO DEV COM 007903107 386 6,091 SH   DFND   6,091 0 0
ALPHABET INC CAP STK CL A 02079K305 10,004 104,588 SH   DFND   103,514 0 1,074
AMER EXPRESS CO COM 025816109 298 2,210 SH   DFND   1,910 0 300
AMETEK Inc COM 031100100 1,117 9,849 SH   DFND   9,429 0 420
ANALOG DEVICES INC COM 032654105 235 1,693 SH   DFND   1,348 0 345
APPLIED MATERIALS COM 038222105 762 9,301 SH   DFND   8,041 0 1,260
ASML HOLDING NV N Y REGISTRY SHS N07059210 1,878 4,522 SH   DFND   4,522 0 0
AT&T INC COM 00206R102 1,340 87,390 SH   DFND   84,936 0 2,454
AUTOMATIC DATA PROCESSING COM 053015103 13,543 59,872 SH   DFND   57,372 0 2,500
AVERY DENNISON CORP COM 053611109 260 1,596 SH   DFND   1,596 0 0
AbbVie Inc COM 00287Y109 11,264 83,931 SH   DFND   81,131 0 2,800
Abbott Laboratories COM 002824100 15,581 161,035 SH   DFND   157,698 0 3,337
Accenture PLC SHS CLASS A G1151C101 3,971 15,435 SH   DFND   15,227 0 208
Adobe Inc COM 00724F101 2,878 10,458 SH   DFND   10,202 0 256
Aflac Inc COM 001055102 323 5,750 SH   DFND   4,900 0 850
Air Products and Chemicals Inc COM 009158106 6,883 29,576 SH   DFND   27,727 0 1,849
Akamai Technologies Inc COM 00971T101 917 11,411 SH   DFND   11,375 0 36
Allstate Corp/The COM 020002101 225 1,809 SH   DFND   1,184 0 625
Alphabet Inc CAP STK CL C 02079K107 3,083 32,063 SH   DFND   31,063 0 1,000
Altria Group Inc COM 02209S103 306 7,590 SH   DFND   7,590 0 0
Amazon.com Inc COM 023135106 10,190 90,182 SH   DFND   89,334 0 848
American Tower Corp COM 03027X100 2,352 10,955 SH   DFND   10,560 0 395
American Water Works Co Inc COM 030420103 840 6,448 SH   DFND   6,348 0 100
Amgen Inc COM 031162100 770 3,413 SH   DFND   3,413 0 0
Amphenol Corp CL A 032095101 2,064 30,822 SH   DFND   30,766 0 56
Aon PLC SHS CL A G0403H108 989 3,692 SH   DFND   3,692 0 0
Apple Inc COM 037833100 41,790 302,384 SH   DFND   290,195 0 12,189
AutoZone Inc COM 053332102 1,840 859 SH   DFND   859 0 0
AvalonBay Communities Inc COM 053484101 2,072 11,250 SH   DFND   11,224 0 26
BAKER HUGHES INC CL A 05722G100 3,620 172,734 SH   DFND   170,871 0 1,863
BALL CORP COM 058498106 3,235 66,936 SH   DFND   66,736 0 200
BARRICK GOLD CORP COM 067901108 6,517 420,417 SH   DFND   417,917 0 2,500
BAXTER INTL INC COM 071813109 210 3,887 SH   DFND   3,887 0 0
BECTON DICKINSON COM 075887109 1,939 8,700 SH   DFND   8,700 0 0
BERKSHIRE HATHAWAY CL A 084670108 406 1 SH   DFND   1 0 0
BK OF AMERICA CORP COM 060505104 3,547 117,456 SH   DFND   117,252 0 204
BOEING CO COM 097023105 203 1,676 SH   DFND   1,440 0 236
BP PLC SPONSORED ADR 055622104 281 9,838 SH   DFND   9,396 0 442
BRISTOL-MYRS SQUIB COM 110122108 2,733 38,431 SH   DFND   37,131 0 1,300
BROOKFIELD ASSET M CL A LTD VT SH 112585104 5,378 131,511 SH   DFND   130,511 0 1,000
Bar Harbor Bankshares COM 066849100 12,575 474,171 SH   DFND   14,500 0 459,671
Berkshire Hathaway Inc CL B NEW 084670702 11,745 43,989 SH   DFND   43,305 0 684
BlackRock Advisors LLC RUS MID CAP ETF 464287499 400 6,439 SH   DFND   6,439 0 0
BlackRock Advisors LLC S&P MC 400GR ETF 464287606 389 6,176 SH   DFND   5,996 0 180
BlackRock Advisors LLC S&P MC 400VL ETF 464287705 221 2,449 SH   DFND   2,339 0 110
BlackRock Advisors LLC CORE S&P SCP ETF 464287804 18,766 215,233 SH   DFND   213,239 0 1,994
BlackRock Fund Advisors MSCI EAFE ETF 464287465 1,493 26,651 SH   DFND   26,501 0 150
BlackRock Fund Advisors MBS ETF 464288588 228 2,488 SH   DFND   2,488 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638 4,519 93,603 SH   DFND   93,049 0 554
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646 26,474 537,202 SH   DFND   532,953 0 4,249
BlackRock Fund Advisors PFD AND INCM SEC 464288687 813 25,675 SH   DFND   24,175 0 1,500
BlackRock Funds/Closed-End/USA COM 09253X102 148 13,625 SH   DFND   0 0 13,625
BlackRock Funds/Closed-end/USA COM 09254F100 136 12,305 SH   DFND   0 0 12,305
BlackRock Inc COM 09247X101 720 1,308 SH   DFND   1,298 0 10
Blackstone Inc COM 09260D107 467 5,572 SH   DFND   5,512 0 60
Booking Holdings Inc COM 09857L108 1,629 991 SH   DFND   990 0 1
Booz Allen Hamilton Holding Co CL A 099502106 6,039 65,398 SH   DFND   64,998 0 400
Broadcom Inc COM 11135F101 267 601 SH   DFND   301 0 300
Brookfield Renewable Partners CL A SUB VTG 11284V105 1,794 54,880 SH   DFND   52,230 0 2,650
Brookline Bancorp Inc COM 11373M107 436 37,430 SH   DFND   37,430 0 0
Brown & Brown Inc COM 115236101 9,193 152,011 SH   DFND   151,111 0 900
CARRIER GLOBAL CORP COM 14448C104 402 11,314 SH   DFND   8,797 0 2,517
CDW Corp/DE COM 12514G108 844 5,407 SH   DFND   5,407 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797 531 8,000 SH   DFND   8,000 0 0
CHUBB LIMITED COM COM H1467J104 3,880 21,331 SH   DFND   20,013 0 1,318
CINTAS CORP COM 172908105 964 2,485 SH   DFND   2,485 0 0
CISCO SYSTEMS COM 17275R102 4,245 106,110 SH   DFND   105,844 0 266
COGNIZANT TECHNOLO CL A 192446102 830 14,449 SH   DFND   14,400 0 49
COLGATE-PALMOLIVE COM 194162103 10,755 153,095 SH   DFND   153,095 0 0
CONOCOPHILLIPS COM 20825C104 464 4,538 SH   DFND   3,394 0 1,144
CORNING INC COM 219350105 1,738 59,875 SH   DFND   58,724 0 1,151
CSX CORP COM 126408103 2,207 82,842 SH   DFND   70,842 0 12,000
CVS Health Corp COM 126650100 8,442 88,520 SH   DFND   88,020 0 500
Capri Holdings Ltd SHS G1890L107 802 20,866 SH   DFND   20,866 0 0
Caterpillar Inc COM 149123101 9,135 55,671 SH   DFND   55,621 0 50
Chevron Corp COM 166764100 16,270 113,247 SH   DFND   112,368 0 879
Church & Dwight Co Inc COM 171340102 207 2,900 SH   DFND   2,900 0 0
Clorox Co/The COM 189054109 342 2,669 SH   DFND   2,669 0 0
Coca-Cola Co/The COM 191216100 3,747 66,885 SH   DFND   65,925 0 960
Comcast Corp CL A 20030N101 2,414 82,305 SH   DFND   80,023 0 2,282
Consolidated Edison Inc COM 209115104 362 4,214 SH   DFND   4,114 0 100
Constellation Brands Inc CL A 21036P108 353 1,536 SH   DFND   1,536 0 0
Costco Wholesale Corp COM 22160K105 18,456 39,081 SH   DFND   38,891 0 190
DEERE & CO COM 244199105 675 2,020 SH   DFND   1,970 0 50
DIAGEO SPON ADR NEW 25243Q205 217 1,280 SH   DFND   880 0 400
DOMINION RES(VIR) COM 25746U109 2,696 39,005 SH   DFND   38,789 0 216
DTE Energy Co COM 233331107 229 1,989 SH   DFND   1,849 0 140
DUKE ENERGY CORP COM NEW 26441C204 319 3,428 SH   DFND   3,428 0 0
Danaher Corp COM 235851102 8,997 34,836 SH   DFND   34,403 0 433
Dollar Tree Inc COM 256746108 1,096 8,056 SH   DFND   8,045 0 11
Dover Corp COM 260003108 796 6,823 SH   DFND   6,543 0 280
Dow Inc COM 260557103 846 19,253 SH   DFND   18,503 0 750
Dreyfus Funds/Closed-end/USA COM SHS 09662W109 233 20,400 SH   DFND   0 0 20,400
DuPont de Nemours Inc COM 26614N102 992 19,684 SH   DFND   18,934 0 750
ECOLAB INC COM 278865100 588 4,066 SH   DFND   4,021 0 45
EMERSON ELECTRIC COM 291011104 4,945 67,540 SH   DFND   67,540 0 0
EQUITY COMMONWEALTH 6.5% CNV PFD D 294628201 998 38,152 SH   DFND   38,152 0 0
Eaton Vance Management SH BEN INT 27826U108 131 13,413 SH   DFND   0 0 13,413
Eaton Vance Management COM 27828N102 151 13,900 SH   DFND   13,900 0 0
Eaton Vance Management COM 27829F108 156 21,520 SH   DFND   21,520 0 0
Elevance Health Inc COM 036752103 443 975 SH   DFND   975 0 0
Eli Lilly & Co COM 532457108 26,233 81,128 SH   DFND   80,733 0 395
Essential Utilities Inc COM 29670G102 251 6,054 SH   DFND   6,054 0 0
Eversource Energy COM 30040W108 369 4,731 SH   DFND   4,731 0 0
Exxon Mobil Corp COM 30231G102 16,302 186,717 SH   DFND   177,918 0 8,799
FACEBOOK INC CL A 30303M102 1,279 9,430 SH   DFND   9,260 0 170
FEDEX CORP COM 31428X106 1,761 11,863 SH   DFND   11,838 0 25
FMC Corp COM NEW 302491303 458 4,332 SH   DFND   4,332 0 0
FNB Corp/PA COM 302520101 308 26,528 SH   DFND   26,528 0 0
First Bancorp Inc/The COM 31866P102 447 16,233 SH   DFND   16,233 0 0
General Electric Co COM NEW 369604301 221 3,571 SH   DFND   2,983 0 588
General Mills Inc COM 370334104 1,834 23,941 SH   DFND   22,661 0 1,280
Genuine Parts Co COM 372460105 828 5,545 SH   DFND   5,545 0 0
Gilead Sciences Inc COM 375558103 298 4,823 SH   DFND   4,523 0 300
Grupo Aeroportuario del Surest SPON ADR SER B 40051E202 5,915 30,152 SH   DFND   30,152 0 0
HORIZON THERAPEUTICS PLC SHS G46188101 1,964 31,732 SH   DFND   31,038 0 694
Home Depot Inc/The COM 437076102 8,155 29,553 SH   DFND   29,429 0 124
Honeywell International Inc COM 438516106 1,512 9,057 SH   DFND   8,712 0 345
IBM COM 459200101 7,038 59,236 SH   DFND   57,376 0 1,860
ILLINOIS TOOL WKS COM 452308109 998 5,525 SH   DFND   5,525 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 3,499 38,721 SH   DFND   38,095 0 626
ISHARES MSCI STH AFR ETF 464286780 579 16,065 SH   DFND   16,065 0 0
ISHARES SELECT DIVID ETF 464287168 792 7,387 SH   DFND   7,387 0 0
ISHARES CHINA LG-CAP ETF 464287184 933 36,094 SH   DFND   36,094 0 0
ISHARES CORE S&P500 ETF 464287200 37,644 104,960 SH   DFND   104,181 0 779
ISHARES IBOXX INV CP ETF 464287242 10,857 105,973 SH   DFND   105,377 0 596
ISHARES S&P 500 GRWT ETF 464287309 732 12,659 SH   DFND   12,083 0 576
ISHARES RUSSELL 2000 ETF 464287655 588 3,561 SH   DFND   3,561 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,128 32,351 SH   DFND   32,201 0 150
ISHARES TRUST TIPS BD ETF 464287176 10,564 100,705 SH   DFND   99,678 0 1,027
ISHARES TRUST 1 3 YR TREAS BD 464287457 1,276 15,710 SH   DFND   15,710 0 0
ISHARES TRUST GLOBAL 100 ETF 464287572 212 3,570 SH   DFND   3,570 0 0
ISHARES TRUST IBOXX HI YD ETF 464288513 1,452 20,344 SH   DFND   20,194 0 150
ISHARES/USA S&P SML 600 GWT 464287887 223 2,197 SH   DFND   2,197 0 0
ISHARES/USA NATIONAL MUN ETF 464288414 379 3,693 SH   DFND   3,693 0 0
Intel Corp COM 458140100 2,538 98,482 SH   DFND   97,632 0 850
Invesco Capital Management LLC UNIT SER 1 46090E103 9,259 34,643 SH   DFND   34,643 0 0
JPMorgan Chase & Co COM 46625H100 10,026 95,944 SH   DFND   95,670 0 274
Johnson & Johnson COM 478160104 41,263 252,590 SH   DFND   245,184 0 7,406
KIMBERLY-CLARK CP COM 494368103 1,297 11,523 SH   DFND   11,523 0 0
Kellogg Co COM 487836108 1,404 20,152 SH   DFND   20,152 0 0
Kinder Morgan Inc COM 49456B101 2,212 132,879 SH   DFND   132,178 0 701
Kraft Foods Inc CL A 609207105 339 6,170 SH   DFND   6,170 0 0
KraneShares ETFs/USA QUADRTC INT RT 500767736 2,604 117,494 SH   DFND   112,494 0 5,000
L3Harris Technologies Inc COM 502431109 3,921 18,866 SH   DFND   18,809 0 57
LOWE'S COS INC COM 548661107 2,218 11,810 SH   DFND   11,590 0 220
Lam Research Corp COM 512807108 2,497 6,823 SH   DFND   6,804 0 19
Linde PLC SHS G5494J103 1,113 4,127 SH   DFND   4,012 0 115
Lockheed Martin Corp COM 539830109 836 2,165 SH   DFND   2,165 0 0
M&T Bank Corp COM 55261F104 549 3,118 SH   DFND   3,059 0 59
MARSH & MCLENNAN COM 571748102 869 5,821 SH   DFND   5,697 0 124
MASTERCARD INC CL A 57636Q104 5,907 20,772 SH   DFND   20,720 0 52
MCDONALD'S CORP COM 580135101 4,519 19,585 SH   DFND   17,895 0 1,690
MICROSOFT CORP COM 594918104 24,235 104,055 SH   DFND   99,575 0 4,480
Marathon Petroleum Corp COM 56585A102 549 5,529 SH   DFND   5,529 0 0
Medtronic PLC SHS G5960L103 259 3,205 SH   DFND   3,205 0 0
Merck & Co Inc COM 58933Y105 12,033 139,720 SH   DFND   138,045 0 1,675
NEXTERA ENERGY COM 65339F101 9,536 121,622 SH   DFND   118,429 0 3,193
NIKE INC CL B 654106103 5,113 61,519 SH   DFND   60,918 0 601
NVIDIA Corp COM 67066G104 561 4,619 SH   DFND   4,539 0 80
Nelnet Inc CL A 64031N108 8,060 101,774 SH   DFND   101,374 0 400
Norfolk Southern Corp COM 655844108 1,850 8,823 SH   DFND   8,623 0 200
Novartis AG SPONSORED ADR 66987V109 246 3,236 SH   DFND   2,686 0 550
Novo Holdings A/S ADR 670100205 16,035 160,943 SH   DFND   158,478 0 2,465
Nuveen Closed-End Funds/USA COM 670657105 188 17,711 SH   DFND   3,014 0 14,697
Nuveen Closed-End Funds/USA COM 67066V101 143 13,025 SH   DFND   2,550 0 10,475
Nuveen Closed-End Funds/USA COM 670928100 7,799 921,873 SH   DFND   902,873 0 19,000
OGE Energy Corp COM 670837103 499 13,704 SH   DFND   13,704 0 0
ORACLE CORP COM 68389X105 443 7,249 SH   DFND   6,479 0 770
Otis Worldwide Corp COM 68902V107 331 5,181 SH   DFND   3,923 0 1,258
PACCAR INC COM 693718108 9,058 108,227 SH   DFND   107,730 0 497
PARKER-HANNIFIN COM 701094104 5,508 22,731 SH   DFND   22,631 0 100
PEPSICO INC COM 713448108 11,637 71,276 SH   DFND   66,762 0 4,514
PHILIP MORRIS INTL COM 718172109 632 7,615 SH   DFND   7,615 0 0
PNC Financial Services Group I COM 693475105 621 4,160 SH   DFND   4,160 0 0
Paychex Inc COM 704326107 311 2,779 SH   DFND   2,779 0 0
Perrigo Co PLC SHS G97822103 6,194 173,694 SH   DFND   173,694 0 0
Pfizer Inc COM 717081103 10,971 250,699 SH   DFND   237,199 0 13,500
Pfizer Inc CL A 98978V103 247 1,664 SH   DFND   1,664 0 0
Phillips 66 COM 718546104 531 6,581 SH   DFND   6,029 0 552
Procter & Gamble Co/The COM 742718109 12,677 100,411 SH   DFND   95,013 0 5,398
QUALCOMM Inc COM 747525103 3,031 26,828 SH   DFND   26,102 0 726
ROCKWELL AUTOMATION COM 773903109 1,554 7,225 SH   DFND   6,475 0 750
ROPER INDUSTRIES INC COM 776696106 1,857 5,164 SH   DFND   5,005 0 159
Raytheon Technologies Corp COM 75513E101 1,881 22,986 SH   DFND   20,011 0 2,975
S&P Global Inc COM 78409V104 578 1,892 SH   DFND   1,892 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 5,592 1,081,560 SH   DFND   1,063,540 0 18,020
SELECT SECTOR SPDR SBI MATERIALS 81369Y100 1,973 29,005 SH   DFND   28,928 0 77
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209 18,491 152,672 SH   DFND   152,387 0 285
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308 10,998 164,805 SH   DFND   164,628 0 177
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407 19,478 136,736 SH   DFND   136,476 0 260
SELECT SECTOR SPDR ENERGY 81369Y506 6,347 88,121 SH   DFND   88,030 0 91
SELECT SECTOR SPDR FINANCIAL 81369Y605 13,011 428,554 SH   DFND   427,374 0 1,180
SELECT SECTOR SPDR TECHNOLOGY 81369Y803 60,747 511,423 SH   DFND   510,596 0 827
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 2,531 38,631 SH   DFND   38,537 0 94
SSGA Funds Management Inc S&P DIVID ETF 78464A763 1,231 11,039 SH   DFND   10,729 0 310
SSgA Funds Management Inc TR UNIT 78462F103 3,428 9,596 SH   DFND   9,596 0 0
SSgA Funds Management Inc COMMUNICATION 81369Y852 3,499 73,067 SH   DFND   72,744 0 323
STARBUCKS CORP COM 855244109 3,067 36,396 SH   DFND   36,356 0 40
STATE STREET ETF/USA NUVEEN BLOOMBERG 78464A284 365 7,624 SH   DFND   0 0 7,624
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107 395 983 SH   DFND   983 0 0
Schlumberger NV COM STK 806857108 337 9,380 SH   DFND   8,880 0 500
Sealed Air Corp COM 81211K100 1,276 28,677 SH   DFND   28,588 0 89
Southern Co/The COM 842587107 504 7,415 SH   DFND   7,215 0 200
State Street Global Advisors Inc SBI INT-INDS 81369Y704 13,061 157,668 SH   DFND   157,492 0 176
State Street Global Advisors Inc RL EST SEL SEC 81369Y860 2,318 64,352 SH   DFND   64,207 0 145
Synopsys Inc COM 871607107 2,792 9,139 SH   DFND   9,082 0 57
Sysco Corp COM 871829107 9,129 129,115 SH   DFND   127,755 0 1,360
TEXAS INSTRUMENTS COM 882508104 1,491 9,631 SH   DFND   9,571 0 60
TJX Cos Inc/The COM 872540109 5,782 93,087 SH   DFND   92,637 0 450
TRACTOR SUPPLY CO COM 892356106 1,339 7,206 SH   DFND   7,171 0 35
TRAVELERS CO INC COM 89417E109 208 1,358 SH   DFND   1,358 0 0
Target Corp COM 87612E106 897 6,050 SH   DFND   5,988 0 62
Tesla Inc COM 88160R101 208 786 SH   DFND   786 0 0
Texas Pacific Land Corp COM 88262P102 14,508 8,163 SH   DFND   8,118 0 45
Thermo Fisher Scientific Inc COM 883556102 6,138 12,101 SH   DFND   11,894 0 207
Timken Co/The COM 887389104 2,107 35,684 SH   DFND   35,684 0 0
UTD PARCEL SERV CL B 911312106 14,057 87,021 SH   DFND   86,671 0 350
Unilever PLC SPON ADR NEW 904767704 771 17,590 SH   DFND   17,590 0 0
Union Pacific Corp COM 907818108 1,417 7,277 SH   DFND   7,277 0 0
UnitedHealth Group Inc COM 91324P102 6,418 12,707 SH   DFND   12,583 0 124
VANGUARD S&P 500 ETF SHS 922908363 1,819 5,542 SH   DFND   5,542 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409 3,834 51,614 SH   DFND   51,614 0 0
VERIZON COMMUN COM 92343V104 5,585 147,098 SH   DFND   143,037 0 4,061
VISA INC COM CL A 92826C839 2,726 15,341 SH   DFND   15,301 0 40
Valero Energy Corp COM 91913Y100 1,471 13,768 SH   DFND   13,768 0 0
Van Kampen Funds/Closed-end/US COM 46133G107 122 13,348 SH   DFND   0 0 13,348
Vanguard ETF/USA VAN FTSE DEV MKT 921943858 9,229 253,797 SH   DFND   252,172 0 1,625
Vanguard ETF/USA FTSE EMR MKT ETF 922042858 4,949 135,623 SH   DFND   131,770 0 3,853
Vanguard ETF/USA REAL ESTATE ETF 922908553 345 4,300 SH   DFND   4,300 0 0
Vanguard ETF/USA MID CAP ETF 922908629 1,848 9,830 SH   DFND   9,830 0 0
Vanguard ETF/USA SMALL CP ETF 922908751 488 2,853 SH   DFND   2,853 0 0
Vanguard ETF/USA TOTAL STK MKT 922908769 332 1,848 SH   DFND   1,848 0 0
Voya Investments LLC CORE S&P TTL STK 464287150 4,313 54,228 SH   DFND   54,228 0 0
Voya Investments LLC CORE S&P MCP ETF 464287507 20,477 93,389 SH   DFND   92,944 0 445
WASTE MANAGEMENT COM 94106L109 4,554 28,428 SH   DFND   28,315 0 113
WEYERHAEUSER CO COM NEW 962166104 1,652 57,851 SH   DFND   57,253 0 598
WISDOMTREE ASSET MANAGEMENT INC US LARGECAP FUND 97717W588 395 10,296 SH   DFND   10,296 0 0
Walgreens Boots Alliance Inc COM 931427108 2,833 90,238 SH   DFND   90,238 0 0
Walmart Inc COM 931142103 6,843 52,758 SH   DFND   52,632 0 126
Walt Disney Co/The COM 254687106 4,032 42,747 SH   DFND   41,685 0 1,062
Western Asset Trust Closed End COM 958435109 111 15,110 SH   DFND   0 0 15,110
Xcel Energy Inc COM 98389B100 502 7,835 SH   DFND   7,835 0 0
YUM BRANDS INC COM 988498101 553 5,205 SH   DFND   5,205 0 0
ZIMMER HLDGS INC COM 98956P102 2,729 26,100 SH   DFND   26,047 0 53
iShares ETFs/USA CORE US AGGBD ET 464287226 63,894 663,211 SH   DFND   656,890 0 6,321
iShares ETFs/USA 7-10 YR TRSY BD 464287440 401 4,176 SH   DFND   4,176 0 0
iShares ETFs/USA 3 7 YR TREAS BD 464288661 591 5,173 SH   DFND   5,173 0 0