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
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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
3M Co COM 88579Y101 973 7,129 SH   DFND   7,129 0 0
ALPHABET INC CAP STK CL A 02079K305 796 685 SH   DFND   685 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210 1,147 4,384 SH   DFND   4,384 0 0
AT&T INC COM 00206R102 765 26,228 SH   DFND   26,228 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,030 7,533 SH   DFND   7,533 0 0
Abbott Laboratories COM 002824100 576 7,303 SH   DFND   7,303 0 0
Aberdeen Closed End Funds/USA COM 003009107 2,093 619,173 SH   DFND   613,423 0 5,750
Adobe Inc COM 00724F101 346 1,087 SH   DFND   1,087 0 0
Alphabet Inc CAP STK CL C 02079K107 874 752 SH   DFND   752 0 0
Altria Group Inc COM 02209S103 299 7,746 SH   DFND   7,746 0 0
Amazon.com Inc COM 023135106 1,306 670 SH   DFND   670 0 0
American Water Works Co Inc COM 030420103 217 1,813 SH   DFND   1,813 0 0
Amgen Inc COM 031162100 220 1,083 SH   DFND   1,083 0 0
Apple Inc COM 037833100 2,957 11,630 SH   DFND   11,630 0 0
AutoZone Inc COM 053332102 296 350 SH   DFND   350 0 0
Axis Capital Holdings Ltd SHS G0692U109 3,974 102,808 SH   DFND   102,808 0 0
BALL CORP COM 058498106 232 3,584 SH   DFND   3,584 0 0
BARRICK GOLD CORP COM 067901108 7,461 407,287 SH   DFND   407,287 0 0
BK OF AMERICA CORP COM 060505104 449 21,153 SH   DFND   21,153 0 0
BRISTOL-MYRS SQUIB COM 110122108 6,583 118,106 SH   DFND   117,806 0 300
Bar Harbor Bankshares COM 066849100 6,957 402,608 SH   DFND   19,000 0 383,608
Berkshire Hathaway Inc CL B NEW 084670702 1,421 7,772 SH   DFND   7,772 0 0
BlackRock Fund Advisors BARCLAYS 7 10 YR 464287440 320 2,635 SH   DFND   2,635 0 0
BlackRock Fund Advisors EAFE GRWTH ETF 464288885 2,927 41,158 SH   DFND   41,067 0 91
CHENIERE ENERGY INC NOTE 4.250% 3/1 16411RAG4 1,482 3,022,000 PRN   DFND   2,922,000 0 100,000
CHUBB LIMITED COM COM H1467J104 350 3,135 SH   DFND   3,135 0 0
CISCO SYSTEMS COM 17275R102 961 24,450 SH   DFND   24,450 0 0
COLGATE-PALMOLIVE COM 194162103 368 5,555 SH   DFND   5,555 0 0
CSX CORP COM 126408103 243 4,245 SH   DFND   245 0 4,000
CVS Health Corp COM 126650100 4,861 81,934 SH   DFND   81,334 0 600
Chevron Corp COM 166764100 513 7,086 SH   DFND   6,702 0 384
Clorox Co/The COM 189054109 363 2,095 SH   DFND   2,095 0 0
Coca-Cola Co/The COM 191216100 460 10,388 SH   DFND   10,388 0 0
Costco Wholesale Corp COM 22160K105 474 1,663 SH   DFND   1,663 0 0
Danaher Corp COM 235851102 599 4,325 SH   DFND   4,325 0 0
EQUITY COMMONWEALTH CUM PFD S D 6.5% 294628201 1,565 60,430 SH   DFND   60,430 0 0
Eli Lilly and Co COM 532457108 511 3,681 SH   DFND   3,681 0 0
Exxon Mobil Corp COM 30231G102 510 13,431 SH   DFND   13,331 0 100
FISERV INC COM 337738108 234 2,465 SH   DFND   2,465 0 0
General Mills Inc COM 370334104 8,091 153,337 SH   DFND   153,337 0 0
Gilead Sciences Inc COM 375558103 275 3,684 SH   DFND   3,684 0 0
HOME DEPOT INC COM 437076102 1,265 6,777 SH   DFND   6,777 0 0
Honeywell International Inc COM 438516106 581 4,344 SH   DFND   4,344 0 0
ISHARES CORE S&P500 ETF 464287200 240 930 SH   DFND   930 0 0
ISHARES IBOXX INV CP ETF 464287242 282 2,286 SH   DFND   2,286 0 0
ISHARES RUSSELL 2000 ETF 464287655 479 4,188 SH   DFND   4,188 0 0
ISHARES TR GLOBAL REIT ETF 46434V647 495 25,817 SH   DFND   25,817 0 0
ISHARES TRUST GLOBAL 100 ETF 464287572 205 4,590 SH   DFND   4,590 0 0
Intel Corp COM 458140100 1,541 28,476 SH   DFND   28,476 0 0
JPMorgan Chase & Co COM 46625H100 874 9,707 SH   DFND   9,707 0 0
Johnson & Johnson COM 478160104 11,290 86,096 SH   DFND   85,096 0 1,000
Kinder Morgan Inc COM 49456B101 4,574 328,574 SH   DFND   327,074 0 1,500
Kraft Foods Inc CL A 609207105 220 4,386 SH   DFND   4,386 0 0
LIBERTY INTERACTIVE LLC DEB 3.500% 1/1 530715AN1 14 20,000 PRN   DFND   20,000 0 0
MCDONALD'S CORP COM 580135101 733 4,436 SH   DFND   4,436 0 0
MICROSOFT CORP COM 594918104 6,705 42,515 SH   DFND   42,515 0 0
Medtronic PLC SHS G5960L103 338 3,752 SH   DFND   3,752 0 0
Merck & Co Inc COM 58933Y105 1,160 15,078 SH   DFND   15,078 0 0
NEXTERA ENERGY COM 65339F101 1,026 4,266 SH   DFND   4,266 0 0
NIKE INC CL B 654106103 261 3,160 SH   DFND   3,160 0 0
Norfolk Southern Corp COM 655844108 803 5,500 SH   DFND   5,500 0 0
Novo Holding A/S ADR 670100205 6,218 103,283 SH   DFND   102,883 0 400
Nuveen Closed-End Funds/USA COM 670928100 5,718 585,854 SH   DFND   570,029 0 15,825
PARKER-HANNIFIN COM 701094104 1,864 14,371 SH   DFND   14,371 0 0
PEPSICO INC COM 713448108 1,561 12,997 SH   DFND   12,397 0 600
PHILIP MORRIS INTL COM 718172109 393 5,397 SH   DFND   5,397 0 0
PayPal Holdings Inc COM 70450Y103 329 3,435 SH   DFND   3,435 0 0
People's United Financial Inc COM 712704105 914 82,708 SH   DFND   82,590 0 118
Pfizer Inc COM 717081103 382 11,716 SH   DFND   9,231 0 2,485
Pfizer Inc CL A 98978V103 230 1,951 SH   DFND   1,951 0 0
Procter & Gamble Co/The COM 742718109 1,570 14,271 SH   DFND   14,271 0 0
Republic Services Inc COM 760759100 422 5,617 SH   DFND   5,617 0 0
S&P Global Inc COM 78409V104 339 1,385 SH   DFND   1,385 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 6,088 1,215,253 SH   DFND   1,195,983 0 19,270
SSGA FUNDS MANAGEMENT INC PORTFOLIO INTRMD 78464A375 205 6,027 SH   DFND   6,027 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 478 5,985 SH   DFND   5,985 0 0
SSgA Funds Management Inc TR UNIT 78462F103 2,456 9,529 SH   DFND   9,529 0 0
TJX Cos Inc/The COM 872540109 531 11,110 SH   DFND   11,110 0 0
Thermo Fisher Scientific Inc COM 883556102 655 2,310 SH   DFND   2,310 0 0
UTD TECHNOLOGIES COM 913017109 410 4,345 SH   DFND   4,345 0 0
Union Pacific Corp COM 907818108 702 4,980 SH   DFND   4,980 0 0
UnitedHealth Group Inc COM 91324P102 621 2,491 SH   DFND   2,491 0 0
VANGUARD REAL ESTATE ETF 922908553 289 4,127 SH   DFND   4,127 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409 1,773 22,418 SH   DFND   22,418 0 0
VERIZON COMMUN COM 92343V104 962 17,916 SH   DFND   17,916 0 0
VISA INC COM CL A 92826C839 837 5,192 SH   DFND   5,192 0 0
Vanguard ETF/USA INTER TERM TREAS 92206C706 339 4,810 SH   DFND   4,810 0 0
Vanguard ETF/USA INT-TERM CORP 92206C870 283 3,251 SH   DFND   3,251 0 0
WASTE MANAGEMENT COM 94106L109 330 3,563 SH   DFND   3,563 0 0
Walt Disney Co/The COM DISNEY 254687106 806 8,343 SH   DFND   8,343 0 0
Wells Fargo & Co COM 949746101 2,880 100,343 SH   DFND   100,343 0 0
WisdomTree Asset Management Inc EUROPE HEDGED EQ 97717X701 376 7,336 SH   DFND   7,287 0 49