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
3M Co COM 88579Y101 1,367 7,091 SH   DFND   7,091 0 0
ACCENTURE SHS CLASS A G1151C101 925 3,348 SH   DFND   3,348 0 0
ALPHABET INC CAP STK CL A 02079K305 1,805 875 SH   DFND   875 0 0
ASML HOLDING NV N Y REGISTRY SHS N07059210 2,698 4,371 SH   DFND   4,371 0 0
AT&T INC COM 00206R102 391 12,918 SH   DFND   12,918 0 0
AUTOMATIC DATA PROCESSING COM 053015103 1,410 7,481 SH   DFND   7,481 0 0
Abbott Laboratories COM 002824100 439 3,661 SH   DFND   3,661 0 0
Aberdeen Closed End Funds/USA COM 003009107 2,930 716,283 SH   DFND   699,283 0 17,000
Adobe Inc COM 00724F101 227 477 SH   DFND   477 0 0
Alphabet Inc CAP STK CL C 02079K107 2,005 969 SH   DFND   969 0 0
Altria Group Inc COM 02209S103 242 4,724 SH   DFND   4,724 0 0
Amazon.com Inc COM 023135106 2,828 914 SH   DFND   914 0 0
Amphenol Corp CL A 032095101 819 12,411 SH   DFND   12,411 0 0
Aon PLC SHS CL A G0403H108 714 3,102 SH   DFND   3,102 0 0
Apple Inc COM 037833100 5,211 42,658 SH   DFND   42,658 0 0
AutoZone Inc COM 053332102 1,190 847 SH   DFND   847 0 0
BAKER HUGHES INC CL A 05722G100 4,428 204,908 SH   DFND   203,408 0 1,500
BALL CORP COM 058498106 304 3,584 SH   DFND   3,584 0 0
BK OF AMERICA CORP COM 060505104 1,275 32,955 SH   DFND   32,955 0 0
BRISTOL-MYRS SQUIB COM 110122108 658 10,429 SH   DFND   10,429 0 0
BROOKFIELD ASSET M CL A LTD VT SH 112585104 8,513 191,295 SH   DFND   190,295 0 1,000
Bar Harbor Bankshares COM 066849100 10,521 357,624 SH   DFND   16,600 0 341,024
Berkshire Hathaway Inc CL B NEW 084670702 3,578 14,008 SH   DFND   13,758 0 250
BlackRock Fund Advisors MSCI EAFE ETF 464287465 256 3,377 SH   DFND   3,377 0 0
BlackRock Fund Advisors CORE S&P MCP ETF 464287507 290 1,113 SH   DFND   1,113 0 0
BlackRock Fund Advisors EAFE GRWTH ETF 464288885 337 3,354 SH   DFND   3,354 0 0
Booking Holdings Inc COM 09857L108 1,004 431 SH   DFND   431 0 0
Booz Allen Hamilton Holding Co CL A 099502106 5,073 62,994 SH   DFND   62,744 0 250
Brookfield Renewable Partners CL A SUB VTG 11284V105 381 8,139 SH   DFND   7,089 0 1,050
Brown & Brown Inc COM 115236101 7,007 153,291 SH   DFND   152,391 0 900
CDW Corp/DE COM 12514G108 1,088 6,565 SH   DFND   6,565 0 0
CHENIERE ENERGY INC NOTE 4.250% 3/1 16411RAG4 1,162 1,422,000 PRN   DFND   1,357,000 0 65,000
CHUBB LIMITED COM COM H1467J104 1,079 6,835 SH   DFND   6,835 0 0
CISCO SYSTEMS COM 17275R102 645 12,477 SH   DFND   12,477 0 0
COLGATE-PALMOLIVE COM 194162103 412 5,221 SH   DFND   5,221 0 0
CSX CORP COM 126408103 410 4,245 SH   DFND   245 0 4,000
CVS Health Corp COM 126650100 5,959 79,208 SH   DFND   78,708 0 500
Capri Holdings Ltd SHS G1890L107 1,808 35,452 SH   DFND   34,452 0 1,000
Caterpillar Inc COM 149123101 249 1,075 SH   DFND   1,075 0 0
Chevron Corp COM 166764100 1,489 14,213 SH   DFND   13,913 0 300
Clorox Co/The COM 189054109 311 1,610 SH   DFND   1,610 0 0
Coca-Cola Co/The COM 191216100 335 6,356 SH   DFND   6,356 0 0
Comcast Corp CL A 20030N101 8,943 165,277 SH   DFND   165,277 0 0
Costco Wholesale Corp COM 22160K105 714 2,027 SH   DFND   2,027 0 0
Danaher Corp COM 235851102 1,022 4,539 SH   DFND   4,539 0 0
EMERSON ELECTRIC COM 291011104 1,437 15,931 SH   DFND   15,931 0 0
Eli Lilly and Co COM 532457108 606 3,241 SH   DFND   3,241 0 0
Equity LifeStyle Properties In COM 29472R108 580 9,123 SH   DFND   9,123 0 0
Exxon Mobil Corp COM 30231G102 695 12,445 SH   DFND   12,445 0 0
FEDEX CORP COM 31428X106 10,014 35,253 SH   DFND   35,253 0 0
Fidelity National Information COM 31620M106 5,749 40,886 SH   DFND   40,886 0 0
General Mills Inc COM 370334104 1,151 18,776 SH   DFND   18,776 0 0
Gilead Sciences Inc COM 375558103 230 3,553 SH   DFND   3,553 0 0
Grupo Aeroportuario del Surest SPON ADR SER B 40051E202 5,430 30,545 SH   DFND   30,545 0 0
HORIZON THERAPEUTICS PLC SHS G46188101 1,861 20,211 SH   DFND   19,611 0 600
Home Depot Inc/The COM 437076102 2,027 6,643 SH   DFND   6,643 0 0
IHS MARKIT LTD SHS G47567105 8,069 83,377 SH   DFND   82,977 0 400
INTERCONTINENTAL EXCHANGE COM 45866F104 7,024 62,894 SH   DFND   62,519 0 375
ISHARES CORE S&P500 ETF 464287200 334 840 SH   DFND   840 0 0
ISHARES IBOXX INV CP ETF 464287242 306 2,354 SH   DFND   2,354 0 0
ISHARES RUSSELL 2000 ETF 464287655 663 3,002 SH   DFND   3,002 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 226 2,000 SH   DFND   2,000 0 0
ISHARES TRUST GLOBAL 100 ETF 464287572 249 3,773 SH   DFND   3,773 0 0
Intel Corp COM 458140100 656 10,245 SH   DFND   10,245 0 0
JPMorgan Chase & Co COM 46625H100 1,666 10,949 SH   DFND   10,949 0 0
Johnson & Johnson COM 478160104 13,979 85,055 SH   DFND   83,805 0 1,250
Kinder Morgan Inc COM 49456B101 852 51,197 SH   DFND   51,197 0 0
KraneShares ETFs/USA QUADRTC INT RT 500767736 6,139 214,831 SH   DFND   209,581 0 5,250
L3Harris Technologies Inc COM 502431109 734 3,620 SH   DFND   3,620 0 0
LOWE'S COS INC COM 548661107 380 2,000 SH   DFND   2,000 0 0
Linde PLC SHS G5494J103 1,098 3,922 SH   DFND   3,922 0 0
MASTERCARD INC CL A 57636Q104 921 2,586 SH   DFND   2,586 0 0
MCDONALD'S CORP COM 580135101 908 4,048 SH   DFND   4,048 0 0
MICROSOFT CORP COM 594918104 9,708 41,177 SH   DFND   41,177 0 0
Merck & Co Inc COM 58933Y105 1,047 13,583 SH   DFND   12,983 0 600
NEXTERA ENERGY COM 65339F101 1,289 17,045 SH   DFND   17,045 0 0
NIKE INC CL B 654106103 1,064 8,009 SH   DFND   8,009 0 0
Nelnet Inc CL A 64031N108 5,618 77,234 SH   DFND   76,834 0 400
Norfolk Southern Corp COM 655844108 1,477 5,500 SH   DFND   5,500 0 0
Novo Holdings A/S ADR 670100205 7,889 117,015 SH   DFND   116,365 0 650
Nuveen Closed-End Funds/USA COM 670928100 6,140 551,160 SH   DFND   535,160 0 16,000
PARKER-HANNIFIN COM 701094104 8,064 25,565 SH   DFND   25,565 0 0
PEPSICO INC COM 713448108 1,649 11,655 SH   DFND   11,055 0 600
PHILIP MORRIS INTL COM 718172109 448 5,054 SH   DFND   5,054 0 0
PayPal Holdings Inc COM 70450Y103 1,199 4,935 SH   DFND   4,935 0 0
People's United Financial Inc COM 712704105 636 35,546 SH   DFND   35,546 0 0
Procter & Gamble Co/The COM 742718109 1,877 13,859 SH   DFND   13,859 0 0
QUALCOMM INC COM 747525103 9,706 73,197 SH   DFND   72,997 0 200
Raytheon Technologies Corp COM 75513E101 948 12,270 SH   DFND   12,270 0 0
RenaissanceRe Holdings Ltd COM G7496G103 4,235 26,427 SH   DFND   26,227 0 200
S&P Global Inc COM 78409V104 489 1,385 SH   DFND   1,385 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 6,814 1,002,061 SH   DFND   984,041 0 18,020
SSGA FUNDS MANAGEMENT INC PORTFOLIO INTRMD 78464A375 218 6,027 SH   DFND   6,027 0 0
SSGA Funds Management Inc S&P DIVID ETF 78464A763 449 3,806 SH   DFND   3,806 0 0
SSgA Funds Management Inc TR UNIT 78462F103 3,742 9,442 SH   DFND   9,442 0 0
Sea Ltd SPONSORD ADS 81141R100 257 1,150 SH   DFND   1,150 0 0
Spirit Airlines Inc COM 848577102 434 11,750 SH   DFND   10,500 0 1,250
TJX Cos Inc/The COM 872540109 475 7,186 SH   DFND   7,186 0 0
TRACTOR SUPPLY CO COM 892356106 7,039 39,755 SH   DFND   39,755 0 0
Thermo Fisher Scientific Inc COM 883556102 999 2,189 SH   DFND   2,189 0 0
Twitter Inc COM 90184L102 1,354 21,279 SH   DFND   21,279 0 0
Union Pacific Corp COM 907818108 889 4,034 SH   DFND   4,034 0 0
UnitedHealth Group Inc COM 91324P102 1,057 2,841 SH   DFND   2,841 0 0
VANGUARD REAL ESTATE ETF 922908553 366 3,985 SH   DFND   3,985 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409 4,007 48,566 SH   DFND   48,566 0 0
VERIZON COMMUN COM 92343V104 584 10,041 SH   DFND   10,041 0 0
VISA INC COM CL A 92826C839 1,569 7,410 SH   DFND   7,410 0 0
Vanguard ETF/USA FTSE DEV MKT ETF 921943858 224 4,564 SH   DFND   4,564 0 0
Vanguard ETF/USA FTSE EMR MKT ETF 922042858 259 4,966 SH   DFND   4,966 0 0
Vanguard ETF/USA INT-TERM CORP 92206C870 227 2,440 SH   DFND   2,440 0 0
Vanguard ETF/USA TOTAL STK MKT 922908769 305 1,476 SH   DFND   1,476 0 0
Vanguard Group Inc/The INTER TERM TREAS 92206C706 317 4,710 SH   DFND   4,710 0 0
Vertiv Holdings Co COM CL A 92537N108 5,792 289,607 SH   DFND   287,607 0 2,000
WASTE MANAGEMENT COM 94106L109 265 2,053 SH   DFND   2,053 0 0
Walmart Inc COM 931142103 694 5,112 SH   DFND   5,112 0 0
Walt Disney Co/The COM 254687106 2,000 10,839 SH   DFND   10,839 0 0
YUM BRANDS INC COM 988498101 234 2,160 SH   DFND   2,160 0 0