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
22nd Century Group Inc COM 90137F103   166 180,000 SH   DFND   180,000 0 0
3M Co COM 88579Y101   6,150 51,279 SH   DFND   50,899 0 380
ADVANCED MICRO DEV COM 007903107   395 6,091 SH   DFND   6,091 0 0
ALPHABET INC CAP STK CL A 02079K305   8,941 101,346 SH   DFND   99,872 0 1,474
AMER EXPRESS CO COM 025816109   345 2,335 SH   DFND   2,035 0 300
AMETEK Inc COM 031100100   1,314 9,406 SH   DFND   8,986 0 420
ANALOG DEVICES INC COM 032654105   270 1,648 SH   DFND   1,303 0 345
APPLIED MATERIALS COM 038222105   880 9,036 SH   DFND   7,776 0 1,260
ASML HOLDING NV N Y REGISTRY SHS N07059210   2,471 4,522 SH   DFND   4,522 0 0
AT&T INC COM 00206R102   1,598 86,829 SH   DFND   84,375 0 2,454
AUTOMATIC DATA PROCESSING COM 053015103   13,969 58,481 SH   DFND   55,981 0 2,500
AVERY DENNISON CORP COM 053611109   289 1,596 SH   DFND   1,596 0 0
AbbVie Inc COM 00287Y109   13,299 82,288 SH   DFND   78,888 0 3,400
Abbott Laboratories COM 002824100   17,257 157,183 SH   DFND   153,396 0 3,787
Accenture PLC SHS CLASS A G1151C101   4,144 15,531 SH   DFND   15,324 0 207
Adobe Inc COM 00724F101   3,383 10,054 SH   DFND   9,798 0 256
Aflac Inc COM 001055102   284 3,950 SH   DFND   3,100 0 850
Air Products and Chemicals Inc COM 009158106   8,846 28,696 SH   DFND   26,847 0 1,849
Akamai Technologies Inc COM 00971T101   971 11,516 SH   DFND   11,480 0 36
Allstate Corp/The COM 020002101   245 1,809 SH   DFND   1,184 0 625
Alphabet Inc CAP STK CL C 02079K107   2,678 30,172 SH   DFND   28,772 0 1,400
Altria Group Inc COM 02209S103   337 7,370 SH   DFND   7,370 0 0
Amazon.com Inc COM 023135106   7,192 85,627 SH   DFND   84,779 0 848
American Tower Corp COM 03027X100   3,008 14,195 SH   DFND   13,825 0 370
American Water Works Co Inc COM 030420103   933 6,118 SH   DFND   6,018 0 100
Amgen Inc COM 031162100   848 3,231 SH   DFND   3,031 0 200
Amphenol Corp CL A 032095101   2,400 31,521 SH   DFND   31,465 0 56
Aon PLC SHS CL A G0403H108   1,102 3,672 SH   DFND   3,672 0 0
Apple Inc COM 037833100   38,470 296,085 SH   DFND   281,276 0 14,809
AutoZone Inc COM 053332102   2,059 835 SH   DFND   835 0 0
AvalonBay Communities Inc COM 053484101   1,963 12,154 SH   DFND   12,128 0 26
BAKER HUGHES INC CL A 05722G100   5,017 169,877 SH   DFND   168,264 0 1,613
BALL CORP COM 058498106   3,499 68,428 SH   DFND   68,228 0 200
BARRICK GOLD CORP COM 067901108   7,940 462,218 SH   DFND   459,718 0 2,500
BECTON DICKINSON COM 075887109   2,202 8,660 SH   DFND   8,660 0 0
BERKSHIRE HATHAWAY CL A 084670108   469 1 SH   DFND   1 0 0
BK OF AMERICA CORP COM 060505104   3,867 116,747 SH   DFND   116,556 0 191
BOEING CO COM 097023105   301 1,579 SH   DFND   1,343 0 236
BP PLC SPONSORED ADR 055622104   330 9,428 SH   DFND   8,986 0 442
BRISTOL-MYRS SQUIB COM 110122108   2,795 38,838 SH   DFND   36,938 0 1,900
Bar Harbor Bankshares COM 066849100   14,965 467,069 SH   DFND   14,500 0 452,569
Berkshire Hathaway Inc CL B NEW 084670702   13,223 42,807 SH   DFND   42,023 0 784
BlackRock Advisors LLC RUS MID CAP ETF 464287499   434 6,439 SH   DFND   6,439 0 0
BlackRock Advisors LLC S&P MC 400GR ETF 464287606   407 5,964 SH   DFND   5,784 0 180
BlackRock Advisors LLC S&P MC 400VL ETF 464287705   247 2,449 SH   DFND   2,339 0 110
BlackRock Advisors LLC CORE S&P SCP ETF 464287804   20,204 213,485 SH   DFND   211,213 0 2,272
BlackRock Fund Advisors MSCI EAFE ETF 464287465   1,684 25,654 SH   DFND   25,504 0 150
BlackRock Fund Advisors MBS ETF 464288588   218 2,344 SH   DFND   2,344 0 0
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   29,895 603,831 SH   DFND   597,572 0 6,259
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   26,046 522,800 SH   DFND   519,894 0 2,906
BlackRock Fund Advisors PFD AND INCM SEC 464288687   477 15,646 SH   DFND   14,146 0 1,500
BlackRock Funds/Closed-End/USA COM 09253X102   154 13,625 SH   DFND   0 0 13,625
BlackRock Funds/Closed-end/USA COM 09254F100   143 12,305 SH   DFND   0 0 12,305
BlackRock Inc COM 09247X101   936 1,321 SH   DFND   1,321 0 0
Blackstone Inc COM 09260D107   403 5,443 SH   DFND   5,383 0 60
Booking Holdings Inc COM 09857L108   2,003 994 SH   DFND   993 0 1
Booz Allen Hamilton Holding Co CL A 099502106   7,585 72,576 SH   DFND   72,176 0 400
Broadcom Inc COM 11135F101   395 705 SH   DFND   155 0 550
Brookfield Renewable Partners CL A SUB VTG 11284V105   1,107 40,197 SH   DFND   37,547 0 2,650
Brookline Bancorp Inc COM 11373M107   530 37,430 SH   DFND   37,430 0 0
Brown & Brown Inc COM 115236101   9,065 159,116 SH   DFND   158,216 0 900
CARRIER GLOBAL CORP COM 14448C104   458 11,114 SH   DFND   7,620 0 3,494
CDW Corp/DE COM 12514G108   945 5,292 SH   DFND   5,292 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   604 8,000 SH   DFND   8,000 0 0
CHUBB LIMITED COM COM H1467J104   4,764 21,594 SH   DFND   20,076 0 1,518
CINTAS CORP COM 172908105   1,087 2,407 SH   DFND   2,407 0 0
CISCO SYSTEMS COM 17275R102   5,091 106,862 SH   DFND   106,596 0 266
COGNIZANT TECHNOLO CL A 192446102   809 14,139 SH   DFND   14,090 0 49
COLGATE-PALMOLIVE COM 194162103   12,074 153,252 SH   DFND   153,252 0 0
CONOCOPHILLIPS COM 20825C104   542 4,588 SH   DFND   3,444 0 1,144
CORNING INC COM 219350105   1,940 60,750 SH   DFND   59,599 0 1,151
CSX CORP COM 126408103   2,574 83,083 SH   DFND   71,083 0 12,000
CVS Health Corp COM 126650100   8,317 89,244 SH   DFND   88,744 0 500
Capri Holdings Ltd SHS G1890L107   1,171 20,430 SH   DFND   20,430 0 0
Caterpillar Inc COM 149123101   13,222 55,194 SH   DFND   55,144 0 50
Chevron Corp COM 166764100   20,167 112,359 SH   DFND   111,080 0 1,279
Church & Dwight Co Inc COM 171340102   234 2,900 SH   DFND   2,900 0 0
Clorox Co/The COM 189054109   374 2,669 SH   DFND   2,669 0 0
Coca-Cola Co/The COM 191216100   4,253 66,854 SH   DFND   65,894 0 960
Comcast Corp CL A 20030N101   2,949 84,318 SH   DFND   82,048 0 2,270
Consolidated Edison Inc COM 209115104   401 4,214 SH   DFND   4,114 0 100
Constellation Brands Inc CL A 21036P108   356 1,536 SH   DFND   1,536 0 0
Costco Wholesale Corp COM 22160K105   17,694 38,760 SH   DFND   38,570 0 190
DEERE & CO COM 244199105   868 2,024 SH   DFND   1,974 0 50
DIAGEO SPON ADR NEW 25243Q205   224 1,255 SH   DFND   700 0 555
DOMINION RES(VIR) COM 25746U109   2,646 43,144 SH   DFND   42,935 0 209
DTE Energy Co COM 233331107   234 1,989 SH   DFND   1,849 0 140
DUKE ENERGY CORP COM NEW 26441C204   336 3,267 SH   DFND   3,267 0 0
Danaher Corp COM 235851102   8,924 33,625 SH   DFND   33,192 0 433
Dollar Tree Inc COM 256746108   1,244 8,792 SH   DFND   8,781 0 11
Dover Corp COM 260003108   821 6,060 SH   DFND   5,780 0 280
Dow Inc COM 260557103   970 19,253 SH   DFND   18,267 0 986
Dreyfus Funds/Closed-end/USA COM SHS 09662W109   214 20,400 SH   DFND   0 0 20,400
DuPont de Nemours Inc COM 26614N102   1,351 19,684 SH   DFND   18,698 0 986
ECOLAB INC COM 278865100   556 3,816 SH   DFND   3,816 0 0
EMERSON ELECTRIC COM 291011104   6,716 69,912 SH   DFND   69,912 0 0
EQUITY COMMONWEALTH 6.5% CNV PFD D 294628201   2,138 85,314 SH   DFND   83,564 0 1,750
Eaton Vance Management SH BEN INT 27826U108   132 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   163 21,520 SH   DFND   21,520 0 0
Elevance Health Inc COM 036752103   500 975 SH   DFND   975 0 0
Eli Lilly & Co COM 532457108   29,670 81,101 SH   DFND   80,706 0 395
Essential Utilities Inc COM 29670G102   306 6,414 SH   DFND   6,414 0 0
Eversource Energy COM 30040W108   397 4,731 SH   DFND   4,731 0 0
Exxon Mobil Corp COM 30231G102   20,529 186,122 SH   DFND   176,391 0 9,731
FEDEX CORP COM 31428X106   2,200 12,700 SH   DFND   12,675 0 25
FMC Corp COM NEW 302491303   541 4,332 SH   DFND   4,332 0 0
FNB Corp/PA COM 302520101   339 25,982 SH   DFND   25,982 0 0
First Bancorp Inc/The COM 31866P102   480 16,023 SH   DFND   16,023 0 0
GEN DYNAMICS CORP COM 369550108   209 842 SH   DFND   842 0 0
GSK PLC None 37733W204   2,358 67,092 SH   DFND   67,092 0 0
General Electric Co COM NEW 369604301   336 4,012 SH   DFND   3,424 0 588
General Mills Inc COM 370334104   2,003 23,896 SH   DFND   22,616 0 1,280
Genuine Parts Co COM 372460105   962 5,545 SH   DFND   5,545 0 0
Gilead Sciences Inc COM 375558103   367 4,273 SH   DFND   3,773 0 500
Grupo Aeroportuario del Surest SPON ADR SER B 40051E202   7,042 30,228 SH   DFND   30,228 0 0
HORIZON THERAPEUTICS PLC SHS G46188101   3,384 29,735 SH   DFND   29,141 0 594
Hewlett Packard Enterprise Co COM 42824C109   162 10,147 SH   DFND   10,147 0 0
Home Depot Inc/The COM 437076102   9,016 28,543 SH   DFND   27,934 0 609
Honeywell International Inc COM 438516106   1,662 7,758 SH   DFND   6,713 0 1,045
IBM COM 459200101   8,321 59,066 SH   DFND   57,206 0 1,860
ILLINOIS TOOL WKS COM 452308109   1,172 5,324 SH   DFND   5,324 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   4,001 38,999 SH   DFND   38,373 0 626
ISHARES MSCI STH AFR ETF 464286780   682 16,065 SH   DFND   16,065 0 0
ISHARES SELECT DIVID ETF 464287168   891 7,387 SH   DFND   7,387 0 0
ISHARES CHINA LG-CAP ETF 464287184   1,021 36,094 SH   DFND   36,094 0 0
ISHARES CORE S&P500 ETF 464287200   39,627 103,139 SH   DFND   102,552 0 587
ISHARES IBOXX INV CP ETF 464287242   9,583 90,896 SH   DFND   90,330 0 566
ISHARES S&P 500 GRWT ETF 464287309   658 11,243 SH   DFND   10,667 0 576
ISHARES RUSSELL 2000 ETF 464287655   577 3,307 SH   DFND   3,307 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,225 32,336 SH   DFND   31,586 0 750
ISHARES TRUST TIPS BD ETF 464287176   9,067 85,187 SH   DFND   84,202 0 985
ISHARES TRUST 1 3 YR TREAS BD 464287457   619 7,627 SH   DFND   7,627 0 0
ISHARES TRUST GLOBAL 100 ETF 464287572   229 3,570 SH   DFND   3,570 0 0
ISHARES TRUST IBOXX HI YD ETF 464288513   1,545 20,992 SH   DFND   20,992 0 0
ISHARES/USA S&P SML 600 GWT 464287887   223 2,061 SH   DFND   2,061 0 0
Intel Corp COM 458140100   2,597 98,255 SH   DFND   96,655 0 1,600
Invesco Capital Management LLC UNIT SER 1 46090E103   9,214 34,603 SH   DFND   34,603 0 0
JPMorgan Chase & Co COM 46625H100   12,711 94,781 SH   DFND   94,015 0 766
Johnson & Johnson COM 478160104   44,545 252,168 SH   DFND   244,762 0 7,406
KIMBERLY-CLARK CP COM 494368103   1,499 11,038 SH   DFND   11,038 0 0
Kellogg Co COM 487836108   1,436 20,152 SH   DFND   19,352 0 800
Kinder Morgan Inc COM 49456B101   2,608 144,257 SH   DFND   143,556 0 701
Kraft Foods Inc CL A 609207105   437 6,559 SH   DFND   6,559 0 0
KraneShares ETFs/USA QUADRTC INT RT 500767736   2,361 104,433 SH   DFND   99,433 0 5,000
L3Harris Technologies Inc COM 502431109   3,913 18,793 SH   DFND   18,736 0 57
LEGG MASON PARTNERS FUND ADVISOR LLC COM 95766M105   191 18,922 SH   DFND   0 0 18,922
LOWE'S COS INC COM 548661107   2,340 11,743 SH   DFND   11,523 0 220
Lam Research Corp COM 512807108   2,792 6,643 SH   DFND   6,624 0 19
Linde PLC SHS G5494J103   1,375 4,215 SH   DFND   4,100 0 115
Lockheed Martin Corp COM 539830109   1,037 2,132 SH   DFND   2,132 0 0
M&T Bank Corp COM 55261F104   453 3,118 SH   DFND   3,059 0 59
MARSH & MCLENNAN COM 571748102   955 5,771 SH   DFND   5,647 0 124
MASTERCARD INC CL A 57636Q104   7,023 20,196 SH   DFND   20,144 0 52
MCDONALD'S CORP COM 580135101   5,032 19,096 SH   DFND   17,006 0 2,090
MICROSOFT CORP COM 594918104   23,879 99,571 SH   DFND   95,091 0 4,480
MOODYS CORP COM 615369105   415 1,488 SH   DFND   1,488 0 0
Marathon Petroleum Corp COM 56585A102   644 5,529 SH   DFND   5,529 0 0
Merck & Co Inc COM 58933Y105   15,524 139,917 SH   DFND   137,712 0 2,205
NEXTERA ENERGY COM 65339F101   10,185 121,834 SH   DFND   118,161 0 3,673
NIKE INC CL B 654106103   6,727 57,490 SH   DFND   56,889 0 601
NVIDIA Corp COM 67066G104   644 4,411 SH   DFND   4,331 0 80
Nelnet Inc CL A 64031N108   9,281 102,263 SH   DFND   101,863 0 400
Neuberger Berman Funds/Closed- COM 64124P101   207 19,865 SH   DFND   630 0 19,235
Norfolk Southern Corp COM 655844108   2,172 8,813 SH   DFND   8,613 0 200
Novartis AG SPONSORED ADR 66987V109   300 3,307 SH   DFND   2,907 0 400
Novo Holdings A/S ADR 670100205   21,666 160,085 SH   DFND   157,620 0 2,465
Nuveen Closed-End Funds/USA COM 670657105   201 17,711 SH   DFND   3,014 0 14,697
Nuveen Closed-End Funds/USA COM 67066V101   154 13,025 SH   DFND   2,550 0 10,475
Nuveen Closed-End Funds/USA COM 670928100   7,827 910,108 SH   DFND   891,108 0 19,000
OGE Energy Corp COM 670837103   542 13,704 SH   DFND   13,704 0 0
ORACLE CORP COM 68389X105   551 6,749 SH   DFND   5,979 0 770
Otis Worldwide Corp COM 68902V107   406 5,181 SH   DFND   3,435 0 1,746
PACCAR INC COM 693718108   10,665 107,761 SH   DFND   107,264 0 497
PARKER-HANNIFIN COM 701094104   6,439 22,128 SH   DFND   22,028 0 100
PEPSICO INC COM 713448108   12,616 69,831 SH   DFND   65,317 0 4,514
PHILIP MORRIS INTL COM 718172109   768 7,580 SH   DFND   7,580 0 0
PNC Financial Services Group I COM 693475105   694 4,393 SH   DFND   4,393 0 0
Paychex Inc COM 704326107   321 2,779 SH   DFND   2,779 0 0
Perrigo Co PLC SHS G97822103   6,321 185,425 SH   DFND   185,425 0 0
Pfizer Inc COM 717081103   12,864 251,055 SH   DFND   237,555 0 13,500
Pfizer Inc CL A 98978V103   215 1,464 SH   DFND   1,464 0 0
Phillips 66 COM 718546104   623 5,985 SH   DFND   5,433 0 552
Procter & Gamble Co/The COM 742718109   15,007 99,016 SH   DFND   92,768 0 6,248
QUALCOMM Inc COM 747525103   2,293 20,860 SH   DFND   19,809 0 1,051
ROCKWELL AUTOMATION COM 773903109   1,673 6,497 SH   DFND   5,712 0 785
ROPER INDUSTRIES INC COM 776696106   1,786 4,133 SH   DFND   3,974 0 159
Raytheon Technologies Corp COM 75513E101   2,306 22,854 SH   DFND   18,902 0 3,952
S&P Global Inc COM 78409V104   634 1,892 SH   DFND   1,892 0 0
SANDSTORM GOLD LTD COM NEW 80013R206   5,898 1,121,340 SH   DFND   1,103,320 0 18,020
SELECT SECTOR SPDR SBI MATERIALS 81369Y100   2,152 27,709 SH   DFND   27,667 0 42
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   20,788 153,024 SH   DFND   152,832 0 192
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   12,336 165,471 SH   DFND   165,368 0 103
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407   17,524 135,671 SH   DFND   135,515 0 156
SELECT SECTOR SPDR ENERGY 81369Y506   7,557 86,395 SH   DFND   86,337 0 58
SELECT SECTOR SPDR FINANCIAL 81369Y605   14,636 427,967 SH   DFND   427,094 0 873
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   63,331 508,929 SH   DFND   508,296 0 633
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886   2,686 38,094 SH   DFND   38,036 0 58
SSGA Funds Management Inc S&P DIVID ETF 78464A763   1,381 11,039 SH   DFND   10,729 0 310
SSgA Funds Management Inc COMMUNICATION 81369Y852   3,501 72,958 SH   DFND   72,784 0 174
STARBUCKS CORP COM 855244109   3,426 34,540 SH   DFND   34,500 0 40
STATE STREET ETF/USA NUVEEN BLOOMBERG 78464A284   373 7,624 SH   DFND   0 0 7,624
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   438 988 SH   DFND   988 0 0
Schlumberger Ltd COM STK 806857108   505 9,436 SH   DFND   8,936 0 500
Sealed Air Corp COM 81211K100   1,552 31,117 SH   DFND   31,028 0 89
Southern Co/The COM 842587107   522 7,315 SH   DFND   7,115 0 200
State Street ETF/USA TR UNIT 78462F103   3,655 9,556 SH   DFND   9,556 0 0
State Street Global Advisors Inc SBI INT-INDS 81369Y704   15,446 157,271 SH   DFND   157,176 0 95
State Street Global Advisors Inc RL EST SEL SEC 81369Y860   2,446 66,235 SH   DFND   66,139 0 96
Synopsys Inc COM 871607107   2,716 8,505 SH   DFND   8,448 0 57
Sysco Corp COM 871829107   9,866 129,047 SH   DFND   127,687 0 1,360
TEXAS INSTRUMENTS COM 882508104   1,557 9,422 SH   DFND   9,362 0 60
TJX Cos Inc/The COM 872540109   7,450 93,593 SH   DFND   93,143 0 450
TRACTOR SUPPLY CO COM 892356106   1,569 6,976 SH   DFND   6,941 0 35
TRAVELERS CO INC COM 89417E109   312 1,666 SH   DFND   1,666 0 0
Target Corp COM 87612E106   876 5,875 SH   DFND   5,813 0 62
Texas Pacific Land Corp COM 88262P102   17,697 7,549 SH   DFND   7,504 0 45
Thermo Fisher Scientific Inc COM 883556102   6,220 11,295 SH   DFND   11,088 0 207
Timken Co/The COM 887389104   2,544 36,005 SH   DFND   36,005 0 0
UTD PARCEL SERV CL B 911312106   15,131 87,038 SH   DFND   86,688 0 350
Unilever PLC SPON ADR NEW 904767704   1,900 37,744 SH   DFND   37,744 0 0
Union Pacific Corp COM 907818108   1,538 7,427 SH   DFND   6,647 0 780
UnitedHealth Group Inc COM 91324P102   6,849 12,918 SH   DFND   12,795 0 123
VANGUARD S&P 500 ETF SHS 922908363   669 1,904 SH   DFND   1,904 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409   3,712 49,368 SH   DFND   49,368 0 0
VANGUARD ETF/USA TOTAL STK MKT 922908769   353 1,848 SH   DFND   1,848 0 0
VERIZON COMMUN COM 92343V104   5,802 147,266 SH   DFND   142,805 0 4,461
VISA INC COM CL A 92826C839   3,041 14,637 SH   DFND   14,597 0 40
Valero Energy Corp COM 91913Y100   1,734 13,668 SH   DFND   13,668 0 0
Van Kampen Funds/Closed-end/US COM 46132C107   196 19,795 SH   DFND   0 0 19,795
Van Kampen Funds/Closed-end/US COM 46133G107   126 13,348 SH   DFND   0 0 13,348
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   10,935 260,554 SH   DFND   259,081 0 1,473
Vanguard ETF/USA FTSE EMR MKT ETF 922042858   5,686 145,857 SH   DFND   142,276 0 3,581
Vanguard ETF/USA REAL ESTATE ETF 922908553   339 4,110 SH   DFND   4,110 0 0
Vanguard ETF/USA MID CAP ETF 922908629   1,985 9,743 SH   DFND   9,743 0 0
Vanguard ETF/USA SMALL CP ETF 922908751   446 2,428 SH   DFND   2,428 0 0
Voya Investments LLC CORE S&P TTL STK 464287150   4,598 54,225 SH   DFND   54,225 0 0
Voya Investments LLC CORE S&P MCP ETF 464287507   22,267 92,053 SH   DFND   91,522 0 531
WASTE MANAGEMENT COM 94106L109   4,432 28,248 SH   DFND   28,135 0 113
WEYERHAEUSER CO COM NEW 962166104   1,076 34,692 SH   DFND   34,094 0 598
WISDOMTREE ASSET MANAGEMENT INC US LARGECAP FUND 97717W588   428 10,296 SH   DFND   10,296 0 0
Walgreens Boots Alliance Inc COM 931427108   3,394 90,842 SH   DFND   90,842 0 0
Walmart Inc COM 931142103   7,618 53,733 SH   DFND   53,607 0 126
Walt Disney Co/The COM 254687106   3,579 41,199 SH   DFND   39,462 0 1,737
Western Asset Trust Closed End COM 95766P108   226 19,405 SH   DFND   0 0 19,405
Western Asset Trust Closed End COM 958435109   115 15,110 SH   DFND   0 0 15,110
Xcel Energy Inc COM 98389B100   479 6,835 SH   DFND   6,835 0 0
YUM BRANDS INC COM 988498101   667 5,205 SH   DFND   5,205 0 0
Yum China Holdings Inc COM 98850P109   201 3,684 SH   DFND   3,684 0 0
ZIMMER HLDGS INC COM 98956P102   3,469 27,206 SH   DFND   27,153 0 53
iShares ETFs/USA CORE US AGGBD ET 464287226   33,908 349,610 SH   DFND   347,030 0 2,580
iShares ETFs/USA 7-10 YR TRSY BD 464287440   208 2,176 SH   DFND   2,176 0 0