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   153,800 200,000 SH   DFND   200,000 0 0
3M Co COM 88579Y101   5,171,307 49,199 SH   DFND   48,819 0 380
ADVANCED MICRO DEV COM 007903107   596,979 6,091 SH   DFND   6,091 0 0
ALPHABET INC CAP STK CL A 02079K305   10,556,395 101,768 SH   DFND   100,394 0 1,374
ALTRIA GROUP INC COM 02209S103   323,941 7,260 SH   DFND   7,260 0 0
AMER EXPRESS CO COM 025816109   376,086 2,280 SH   DFND   1,980 0 300
AMETEK Inc COM 031100100   1,305,209 8,981 SH   DFND   8,561 0 420
ANALOG DEVICES INC COM 032654105   324,033 1,643 SH   DFND   1,298 0 345
APPLIED MATERIALS COM 038222105   1,022,068 8,321 SH   DFND   7,121 0 1,200
ASML HOLDING NV N Y REGISTRY SHS N07059210   3,078,171 4,522 SH   DFND   4,522 0 0
AT&T INC COM 00206R102   1,649,744 85,701 SH   DFND   83,247 0 2,454
AUTOMATIC DATA PROCESSING COM 053015103   12,760,929 57,319 SH   DFND   55,323 0 1,996
AUTOZONE INC COM 053332102   2,003,392 815 SH   DFND   815 0 0
AbbVie Inc COM 00287Y109   12,917,736 81,055 SH   DFND   77,655 0 3,400
Abbott Laboratories COM 002824100   15,299,880 151,095 SH   DFND   147,358 0 3,737
Accenture PLC SHS CLASS A G1151C101   4,437,201 15,525 SH   DFND   15,249 0 276
Adobe Inc COM 00724F101   3,574,307 9,275 SH   DFND   9,029 0 246
Aflac Inc COM 001055102   254,854 3,950 SH   DFND   3,100 0 850
Air Products and Chemicals Inc COM 009158106   7,699,238 26,807 SH   DFND   24,866 0 1,941
Akamai Technologies Inc COM 00971T101   886,669 11,324 SH   DFND   11,310 0 14
Alphabet Inc CAP STK CL C 02079K107   2,999,256 28,839 SH   DFND   27,439 0 1,400
Amazon.com Inc COM 023135106   8,761,368 84,823 SH   DFND   84,095 0 728
American Tower Corp COM 03027X100   3,979,930 19,477 SH   DFND   18,927 0 550
American Water Works Co Inc COM 030420103   827,375 5,648 SH   DFND   5,548 0 100
Amgen Inc COM 031162100   715,822 2,961 SH   DFND   2,761 0 200
Amphenol Corp CL A 032095101   2,615,285 32,003 SH   DFND   31,679 0 324
Aon PLC SHS CL A G0403H108   1,137,566 3,608 SH   DFND   3,608 0 0
Apple Inc COM 037833100   47,410,069 287,508 SH   DFND   274,786 0 12,722
AvalonBay Communities Inc COM 053484101   2,010,838 11,965 SH   DFND   11,790 0 175
BAKER HUGHES INC CL A 05722G100   4,331,078 150,072 SH   DFND   148,520 0 1,552
BALL CORP COM 058498106   3,771,067 68,428 SH   DFND   68,228 0 200
BARRICK GOLD CORP COM 067901108   8,658,504 466,263 SH   DFND   463,763 0 2,500
BECTON DICKINSON COM 075887109   2,118,942 8,560 SH   DFND   8,560 0 0
BK OF AMERICA CORP COM 060505104   3,351,548 117,187 SH   DFND   117,118 0 69
BOEING CO COM 097023105   347,323 1,635 SH   DFND   1,399 0 236
BP PLC SPONSORED ADR 055622104   357,698 9,428 SH   DFND   8,986 0 442
BRISTOL-MYRS SQUIB COM 110122108   2,690,337 38,816 SH   DFND   36,916 0 1,900
Bar Harbor Bankshares COM 066849100   12,900,511 487,732 SH   DFND   14,500 0 473,232
Berkshire Hathaway Inc CL B NEW 084670702   12,680,875 41,069 SH   DFND   40,299 0 770
BlackRock Fund Advisors CORE S&P TTL STK 464287150   4,899,751 54,111 SH   DFND   54,111 0 0
BlackRock Fund Advisors MSCI EAFE ETF 464287465   1,806,095 25,253 SH   DFND   25,103 0 150
BlackRock Fund Advisors RUS MID CAP ETF 464287499   450,215 6,439 SH   DFND   6,439 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507   22,414,336 89,600 SH   DFND   89,149 0 451
BlackRock Fund Advisors S&P MC 400GR ETF 464287606   426,486 5,964 SH   DFND   5,784 0 180
BlackRock Fund Advisors S&P MC 400VL ETF 464287705   251,684 2,449 SH   DFND   2,339 0 110
BlackRock Fund Advisors CORE S&P SCP ETF 464287804   20,309,418 210,025 SH   DFND   207,843 0 2,182
BlackRock Fund Advisors ISHS 5-10YR INVT 464288638   24,424,100 476,289 SH   DFND   469,430 0 6,859
BlackRock Fund Advisors ISHS 1-5YR INVS 464288646   25,334,944 501,285 SH   DFND   498,379 0 2,906
BlackRock Fund Advisors PFD AND INCM SEC 464288687   488,468 15,646 SH   DFND   14,146 0 1,500
BlackRock Funds/Closed-End/USA COM 09253X102   159,140 13,625 SH   DFND   0 0 13,625
BlackRock Funds/Closed-end/USA COM 09254F100   145,691 12,305 SH   DFND   0 0 12,305
BlackRock Inc COM 09247X101   861,827 1,288 SH   DFND   1,288 0 0
Blackstone Inc COM 09260D107   437,619 4,982 SH   DFND   4,982 0 0
Booking Holdings Inc COM 09857L108   2,408,389 908 SH   DFND   908 0 0
Booz Allen Hamilton Holding Co CL A 099502106   7,370,802 79,521 SH   DFND   79,046 0 475
Broadcom Inc COM 11135F101   400,963 625 SH   DFND   155 0 470
Brookfield Renewable Partners CL A SUB VTG 11284V105   1,194,242 34,170 SH   DFND   32,670 0 1,500
Brown & Brown Inc COM 115236101   9,273,387 161,501 SH   DFND   160,451 0 1,050
CARRIER GLOBAL CORP COM 14448C104   448,075 9,794 SH   DFND   6,300 0 3,494
CDW Corp/DE COM 12514G108   1,013,428 5,200 SH   DFND   5,200 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797   512,120 7,000 SH   DFND   7,000 0 0
CHUBB LIMITED COM COM H1467J104   4,148,073 21,362 SH   DFND   19,865 0 1,497
CINTAS CORP COM 172908105   983,195 2,125 SH   DFND   2,125 0 0
CISCO SYSTEMS COM 17275R102   5,611,618 107,348 SH   DFND   106,678 0 670
COGNIZANT TECHNOLO CL A 192446102   887,385 14,564 SH   DFND   14,545 0 19
COLGATE-PALMOLIVE COM 194162103   11,416,788 151,920 SH   DFND   151,920 0 0
CONOCOPHILLIPS COM 20825C104   442,477 4,460 SH   DFND   3,316 0 1,144
CORNING INC COM 219350105   2,173,565 61,609 SH   DFND   59,853 0 1,756
CSX CORP COM 126408103   2,359,811 78,818 SH   DFND   66,818 0 12,000
CVS Health Corp COM 126650100   570,254 7,674 SH   DFND   7,674 0 0
Capri Holdings Ltd SHS G1890L107   950,199 20,217 SH   DFND   20,217 0 0
Caterpillar Inc COM 149123101   12,282,529 53,673 SH   DFND   53,633 0 40
Chevron Corp COM 166764100   17,824,577 109,246 SH   DFND   108,042 0 1,204
Church & Dwight Co Inc COM 171340102   200,249 2,265 SH   DFND   2,265 0 0
Clorox Co/The COM 189054109   386,739 2,444 SH   DFND   2,444 0 0
Coca-Cola Co/The COM 191216100   4,115,939 66,354 SH   DFND   65,394 0 960
Comcast Corp CL A 20030N101   3,137,772 82,769 SH   DFND   80,586 0 2,183
Consolidated Edison Inc COM 209115104   403,154 4,214 SH   DFND   4,114 0 100
Costco Wholesale Corp COM 22160K105   19,178,685 38,599 SH   DFND   38,421 0 178
DEERE & CO COM 244199105   744,835 1,804 SH   DFND   1,754 0 50
DIAGEO SPON ADR NEW 25243Q205   227,381 1,255 SH   DFND   700 0 555
DOMINION RES(VIR) COM 25746U109   2,745,964 49,114 SH   DFND   48,070 0 1,044
DTE Energy Co COM 233331107   217,875 1,989 SH   DFND   1,849 0 140
DUKE ENERGY CORP COM NEW 26441C204   314,879 3,264 SH   DFND   3,264 0 0
Danaher Corp COM 235851102   7,805,426 30,969 SH   DFND   30,553 0 416
Dollar Tree Inc COM 256746108   1,408,512 9,812 SH   DFND   9,801 0 11
Dover Corp COM 260003108   874,870 5,758 SH   DFND   5,478 0 280
Dow Inc COM 260557103   1,054,847 19,242 SH   DFND   18,256 0 986
Dreyfus Funds/Closed-end/USA COM SHS 09662W109   236,436 20,400 SH   DFND   0 0 20,400
DuPont de Nemours Inc COM 26614N102   1,151,478 16,044 SH   DFND   15,058 0 986
ECOLAB INC COM 278865100   710,621 4,293 SH   DFND   4,293 0 0
EMERSON ELECTRIC COM 291011104   6,168,118 70,784 SH   DFND   70,784 0 0
EQUITY COMMONWEALTH 6.5% CNV PFD D 294628201   4,699,194 188,043 SH   DFND   185,293 0 2,750
Eaton Corp PLC SHS G29183103   1,578,212 9,211 SH   DFND   9,201 0 10
Eaton Vance Funds/Closed-end/U COM 27829F108   168,071 21,520 SH   DFND   21,520 0 0
Eaton Vance Funds/USA COM 27828N102   162,213 13,900 SH   DFND   13,900 0 0
Eaton Vance Management SH BEN INT 27826U108   135,874 13,413 SH   DFND   0 0 13,413
Elevance Health Inc COM 036752103   448,315 975 SH   DFND   975 0 0
Eli Lilly & Co COM 532457108   27,775,809 80,880 SH   DFND   80,485 0 395
Essential Utilities Inc COM 29670G102   279,971 6,414 SH   DFND   6,414 0 0
Eversource Energy COM 30040W108   365,552 4,671 SH   DFND   4,671 0 0
Exxon Mobil Corp COM 30231G102   20,168,996 183,923 SH   DFND   174,265 0 9,658
FEDEX CORP COM 31428X106   3,144,251 13,761 SH   DFND   13,746 0 15
FMC Corp COM NEW 302491303   529,067 4,332 SH   DFND   4,332 0 0
First Bancorp Inc/The COM 31866P102   414,835 16,023 SH   DFND   16,023 0 0
GENERAL MILLS INC COM 370334104   1,890,119 22,117 SH   DFND   20,837 0 1,280
GSK PLC SPONSORED ADR 37733W204   2,387,133 67,092 SH   DFND   67,092 0 0
General Electric Co COM NEW 369604301   334,695 3,501 SH   DFND   2,913 0 588
Genuine Parts Co COM 372460105   927,734 5,545 SH   DFND   5,545 0 0
Gilead Sciences Inc COM 375558103   354,531 4,273 SH   DFND   3,773 0 500
Grupo Aeroportuario del Surest SPON ADR SER B 40051E202   9,320,059 30,411 SH   DFND   30,411 0 0
Harbor ETF Trust None 41151J109   215,641 4,879 SH   DFND   1,473 0 3,405
Hewlett Packard Enterprise Co COM 42824C109   161,642 10,147 SH   DFND   10,147 0 0
Home Depot Inc/The COM 437076102   8,043,496 27,255 SH   DFND   26,666 0 589
Honeywell International Inc COM 438516106   1,259,863 6,592 SH   DFND   5,792 0 800
ILLINOIS TOOL WKS COM 452308109   1,257,176 5,164 SH   DFND   5,164 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104   3,953,634 37,910 SH   DFND   37,368 0 542
INTL BUSINESS MCHN COM 459200101   7,723,299 58,916 SH   DFND   57,056 0 1,860
ISHARES MSCI STH AFR ETF 464286780   678,265 16,065 SH   DFND   16,065 0 0
ISHARES SELECT DIVID ETF 464287168   865,609 7,387 SH   DFND   7,387 0 0
ISHARES CHINA LG-CAP ETF 464287184   1,065,856 36,094 SH   DFND   36,094 0 0
ISHARES CORE S&P500 ETF 464287200   41,817,525 101,726 SH   DFND   101,099 0 627
ISHARES IBOXX INV CP ETF 464287242   9,474,360 86,437 SH   DFND   85,871 0 566
ISHARES S&P 500 GRWT ETF 464287309   654,426 10,243 SH   DFND   9,667 0 576
ISHARES ISHARES BIOTECH 464287556   2,375,123 18,389 SH   DFND   18,330 0 59
ISHARES RUSSELL 2000 ETF 464287655   554,289 3,107 SH   DFND   3,107 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   1,261,378 31,966 SH   DFND   31,216 0 750
ISHARES TRUST TIPS BD ETF 464287176   6,255,916 56,743 SH   DFND   56,508 0 235
ISHARES TRUST 1 3 YR TREAS BD 464287457   299,638 3,647 SH   DFND   3,647 0 0
ISHARES TRUST GLOBAL 100 ETF 464287572   250,114 3,570 SH   DFND   3,570 0 0
ISHARES TRUST IBOXX HI YD ETF 464288513   1,509,338 19,978 SH   DFND   19,978 0 0
ISHARES/USA S&P SML 600 GWT 464287887   226,586 2,061 SH   DFND   2,061 0 0
Intel Corp COM 458140100   2,793,089 85,494 SH   DFND   83,894 0 1,600
Invesco Capital Management LLC UNIT SER 1 46090E103   11,080,429 34,526 SH   DFND   34,526 0 0
JPMorgan Chase & Co COM 46625H100   11,935,744 91,595 SH   DFND   90,872 0 723
Johnson & Johnson COM 478160104   39,168,655 252,701 SH   DFND   245,327 0 7,374
KELLOGG CO COM 487836108   1,349,378 20,152 SH   DFND   19,352 0 800
KIMBERLY-CLARK CP COM 494368103   1,412,666 10,525 SH   DFND   10,525 0 0
KRAFT FOODS INC CL A 609207105   452,064 6,484 SH   DFND   6,484 0 0
Kinder Morgan Inc COM 49456B101   2,821,316 161,126 SH   DFND   160,425 0 701
L3Harris Technologies Inc COM 502431109   3,929,706 20,025 SH   DFND   19,998 0 27
LEGG MASON PARTNERS FUND ADVISOR LLC COM 95766M105   194,518 18,922 SH   DFND   0 0 18,922
LOWE'S COS INC COM 548661107   2,172,674 10,865 SH   DFND   10,645 0 220
Lam Research Corp COM 512807108   3,347,178 6,314 SH   DFND   6,308 0 6
Lockheed Martin Corp COM 539830109   993,678 2,102 SH   DFND   2,102 0 0
M&T Bank Corp COM 55261F104   346,514 2,898 SH   DFND   2,839 0 59
MARSH & MCLENNAN COM 571748102   866,892 5,205 SH   DFND   5,081 0 124
MASTERCARD INC CL A 57636Q104   7,211,508 19,844 SH   DFND   19,745 0 99
MCDONALD'S CORP COM 580135101   5,426,950 19,409 SH   DFND   17,319 0 2,090
MICROSOFT CORP COM 594918104   26,210,506 90,914 SH   DFND   86,306 0 4,608
MOODYS CORP COM 615369105   455,358 1,488 SH   DFND   1,488 0 0
Marathon Petroleum Corp COM 56585A102   733,071 5,437 SH   DFND   5,437 0 0
Merck & Co Inc COM 58933Y105   14,856,618 139,643 SH   DFND   137,438 0 2,205
Microchip Technology Inc COM 595017104   201,072 2,400 SH   DFND   200 0 2,200
NEXTERA ENERGY COM 65339F101   9,183,157 119,138 SH   DFND   115,353 0 3,785
NIKE INC CL B 654106103   6,523,834 53,195 SH   DFND   52,644 0 551
NVIDIA Corp COM 67066G104   1,110,247 3,997 SH   DFND   3,997 0 0
Nelnet Inc CL A 64031N108   9,395,569 102,248 SH   DFND   101,848 0 400
Neuberger Berman Funds/Closed- COM 64124P101   217,522 19,865 SH   DFND   630 0 19,235
Norfolk Southern Corp COM 655844108   1,803,060 8,505 SH   DFND   8,305 0 200
Novartis AG SPONSORED ADR 66987V109   304,244 3,307 SH   DFND   2,907 0 400
Novo Holdings A/S ADR 670100205   24,996,757 157,074 SH   DFND   154,719 0 2,355
Nuveen Closed-End Funds/USA COM 670657105   196,946 17,711 SH   DFND   3,014 0 14,697
Nuveen Closed-End Funds/USA COM 67066V101   150,178 13,025 SH   DFND   2,550 0 10,475
Nuveen Closed-End Funds/USA COM 670928100   8,136,986 923,608 SH   DFND   904,608 0 19,000
OGE Energy Corp COM 670837103   516,092 13,704 SH   DFND   13,704 0 0
ON Semiconductor Corp COM 682189105   2,255,485 27,399 SH   DFND   27,350 0 49
ORACLE CORP COM 68389X105   547,671 5,894 SH   DFND   5,124 0 770
Otis Worldwide Corp COM 68902V107   423,351 5,016 SH   DFND   3,270 0 1,746
PACCAR INC COM 693718108   11,651,244 159,170 SH   DFND   158,464 0 706
PARKER-HANNIFIN COM 701094104   7,130,910 21,216 SH   DFND   21,116 0 100
PEPSICO INC COM 713448108   12,440,882 68,244 SH   DFND   63,765 0 4,479
PHILIP MORRIS INTL COM 718172109   706,425 7,264 SH   DFND   7,264 0 0
PNC Financial Services Group I COM 693475105   495,563 3,899 SH   DFND   3,899 0 0
Paychex Inc COM 704326107   306,987 2,679 SH   DFND   2,679 0 0
Perrigo Co PLC SHS G97822103   7,110,188 198,221 SH   DFND   197,121 0 1,100
Pfizer Inc COM 717081103   10,248,144 251,180 SH   DFND   238,516 0 12,664
Pfizer Inc CL A 98978V103   243,668 1,464 SH   DFND   1,464 0 0
Phillips 66 COM 718546104   566,410 5,587 SH   DFND   5,035 0 552
Procter & Gamble Co/The COM 742718109   14,190,230 95,435 SH   DFND   89,243 0 6,192
PureCycle Technologies Inc COM 74623V103   84,000 12,000 SH   DFND   12,000 0 0
QUALCOMM Inc COM 747525103   2,516,643 19,726 SH   DFND   18,691 0 1,035
ROCKWELL AUTOMATION COM 773903109   1,695,261 5,777 SH   DFND   5,227 0 550
ROPER INDUSTRIES INC COM 776696106   1,480,278 3,359 SH   DFND   3,210 0 149
Raytheon Technologies Corp COM 75513E101   2,214,980 22,618 SH   DFND   18,666 0 3,952
S&P Global Inc COM 78409V104   652,304 1,892 SH   DFND   1,892 0 0
SANDSTORM GOLD LTD COM NEW 80013R206   6,558,688 1,128,862 SH   DFND   1,110,842 0 18,020
SELECT SECTOR SPDR SBI MATERIALS 81369Y100   2,213,391 27,441 SH   DFND   27,399 0 42
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209   19,945,385 154,066 SH   DFND   153,874 0 192
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308   12,365,178 165,509 SH   DFND   165,406 0 103
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407   20,007,854 133,796 SH   DFND   133,640 0 156
SELECT SECTOR SPDR ENERGY 81369Y506   7,043,035 85,030 SH   DFND   84,972 0 58
SELECT SECTOR SPDR FINANCIAL 81369Y605   13,849,995 430,793 SH   DFND   429,920 0 873
SELECT SECTOR SPDR TECHNOLOGY 81369Y803   75,426,324 499,479 SH   DFND   498,933 0 546
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886   2,589,548 38,256 SH   DFND   38,198 0 58
SSGA Funds Management Inc S&P DIVID ETF 78464A763   1,365,634 11,039 SH   DFND   10,729 0 310
SSgA Funds Management Inc TR UNIT 78462F103   3,996,056 9,761 SH   DFND   9,761 0 0
SSgA Funds Management Inc COMMUNICATION 81369Y852   4,215,404 72,717 SH   DFND   72,543 0 174
STARBUCKS CORP COM 855244109   3,105,364 29,822 SH   DFND   29,803 0 19
STATE STREET ETF/USA NUVEEN BLOOMBERG 78464A284   381,810 15,248 SH   DFND   0 0 15,248
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107   452,909 988 SH   DFND   988 0 0
Schlumberger NV COM STK 806857108   463,308 9,436 SH   DFND   8,936 0 500
Sealed Air Corp COM 81211K100   1,487,301 32,396 SH   DFND   32,359 0 37
Southern Co/The COM 842587107   479,615 6,893 SH   DFND   6,693 0 200
State Street Global Advisors Inc SBI INT-INDS 81369Y704   15,878,077 156,929 SH   DFND   156,834 0 95
State Street Global Advisors Inc RL EST SEL SEC 81369Y860   2,466,707 65,990 SH   DFND   65,894 0 96
Stryker Corp COM 863667101   208,964 732 SH   DFND   732 0 0
Synopsys Inc COM 871607107   743,918 1,926 SH   DFND   1,884 0 42
Sysco Corp COM 871829107   9,927,685 128,547 SH   DFND   127,187 0 1,360
TEXAS INSTRUMENTS COM 882508104   1,622,566 8,723 SH   DFND   8,663 0 60
TJX Cos Inc/The COM 872540109   7,367,799 94,025 SH   DFND   93,175 0 850
TRACTOR SUPPLY CO COM 892356106   1,597,802 6,798 SH   DFND   6,763 0 35
TRAVELERS CO INC COM 89417E109   285,569 1,666 SH   DFND   1,666 0 0
Target Corp COM 87612E106   973,076 5,875 SH   DFND   5,813 0 62
Texas Pacific Land Corp COM 88262P102   12,577,342 7,394 SH   DFND   7,349 0 45
Thermo Fisher Scientific Inc COM 883556102   6,034,594 10,470 SH   DFND   10,263 0 207
Timken Co/The COM 887389104   2,936,526 35,934 SH   DFND   35,934 0 0
UTD PARCEL SERV CL B 911312106   16,881,592 87,023 SH   DFND   86,673 0 350
Unilever PLC SPON ADR NEW 904767704   2,135,154 41,116 SH   DFND   41,116 0 0
Union Pacific Corp COM 907818108   1,440,016 7,155 SH   DFND   6,610 0 545
UnitedHealth Group Inc COM 91324P102   5,985,352 12,665 SH   DFND   12,551 0 114
VANGUARD S&P 500 ETF SHS 922908363   652,105 1,734 SH   DFND   1,734 0 0
VANGUARD ETF/USA FTSE EMR MKT ETF 922042858   5,868,908 145,270 SH   DFND   142,089 0 3,181
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409   3,490,343 45,787 SH   DFND   45,787 0 0
VANGUARD ETF/USA TOTAL STK MKT 922908769   377,177 1,848 SH   DFND   1,848 0 0
VERIZON COMMUN COM 92343V104   5,863,095 150,761 SH   DFND   146,389 0 4,372
VISA INC COM CL A 92826C839   3,145,393 13,951 SH   DFND   13,911 0 40
Valero Energy Corp COM 91913Y100   1,908,053 13,668 SH   DFND   13,668 0 0
Van Kampen Funds/Closed-end/US COM 46132C107   194,189 19,795 SH   DFND   0 0 19,795
Van Kampen Funds/Closed-end/US COM 46133G107   133,213 13,348 SH   DFND   0 0 13,348
Vanguard ETF/USA VAN FTSE DEV MKT 921943858   15,737,409 348,404 SH   DFND   347,661 0 743
Vanguard ETF/USA REAL ESTATE ETF 922908553   277,852 3,346 SH   DFND   3,346 0 0
Vanguard ETF/USA MID CAP ETF 922908629   2,552,975 12,104 SH   DFND   12,104 0 0
Vanguard ETF/USA SMALL CP ETF 922908751   277,326 1,463 SH   DFND   1,463 0 0
WASTE MANAGEMENT COM 94106L109   4,616,732 28,294 SH   DFND   28,281 0 13
WISDOMTREE ASSET MANAGEMENT INC US LARGECAP FUND 97717W588   450,141 10,296 SH   DFND   10,296 0 0
WW Grainger Inc COM 384802104   221,797 322 SH   DFND   322 0 0
Walgreens Boots Alliance Inc COM 931427108   3,042,625 87,988 SH   DFND   87,988 0 0
Walmart Inc COM 931142103   8,196,598 55,589 SH   DFND   55,480 0 109
Walt Disney Co/The COM 254687106   4,309,796 43,042 SH   DFND   41,346 0 1,696
Western Asset Trust Closed End COM 95766P108   234,801 19,405 SH   DFND   0 0 19,405
Western Asset Trust Closed End COM 958435109   119,472 15,110 SH   DFND   0 0 15,110
Xcel Energy Inc COM 98389B100   460,952 6,835 SH   DFND   6,835 0 0
YUM BRANDS INC COM 988498101   687,476 5,205 SH   DFND   5,205 0 0
Yum China Holdings Inc COM 98850P109   233,529 3,684 SH   DFND   3,684 0 0
ZIMMER HLDGS INC COM 98956P102   3,778,454 29,245 SH   DFND   29,224 0 21
iShares ETFs/USA CORE US AGGBD ET 464287226   39,988,621 401,331 SH   DFND   398,751 0 2,580