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 Common 88579Y101 346 2,531 SH   DFND   2,531 0 0
AT&T INC Common 00206R102 2,497 85,677 SH   DFND   85,677 0 0
ABBOTT LABS Common 002824100 480 6,077 SH   DFND   6,077 0 0
ABBVIE INC Common 00287Y109 460 6,034 SH   DFND   6,034 0 0
ACCENTURE PLC IRELAND SHS Class A G1151C101 498 3,052 SH   DFND   3,052 0 0
AIR PRODS & CHEMS INC Common 009158106 276 1,384 SH   DFND   1,384 0 0
ALBEMARLE CORP Common 012653101 826 14,653 SH   DFND   14,653 0 0
ALPHABET INC CAP STK CL A 02079K305 3,315 2,853 SH   DFND   2,853 0 0
ALPHABET INC CAP STK CL C 02079K107 1,778 1,529 SH   DFND   1,529 0 0
ALTRIA GROUP INC Common 02209S103 904 23,367 SH   DFND   23,367 0 0
AMAZON COM INC Common 023135106 1,183 607 SH   DFND   607 0 0
APPLE INC Common 037833100 5,861 23,047 SH   DFND   23,047 0 0
APPLIED MATLS INC Common 038222105 701 15,300 SH   DFND   15,300 0 0
AUTOMATIC DATA PROCESSING IN Common 053015103 380 2,783 SH   DFND   2,783 0 0
AVANGRID INC Common 05351W103 1,077 24,610 SH   DFND   24,610 0 0
BK OF AMERICA CORP Common 060505104 1,349 63,550 SH   DFND   63,550 0 0
BCE INC Common New 05534B760 1,689 41,326 SH   DFND   41,326 0 0
BERKSHIRE HATHAWAY INC DEL CL B New 084670702 830 4,538 SH   DFND   4,538 0 0
BRISTOL-MYERS SQUIBB CO Common 110122108 3,075 55,162 SH   DFND   55,162 0 0
BRISTOL-MYERS SQUIBB CO RIGHT 12/30/2030 110122140 49 12,797 SH   DFND   12,797 0 0
CHEVRON CORP NEW Common 166764100 250 3,449 SH   DFND   3,449 0 0
COCA COLA CO Common 191216100 510 11,535 SH   DFND   11,535 0 0
COLGATE PALMOLIVE CO Common 194162103 422 6,352 SH   DFND   6,352 0 0
CONAGRA BRANDS INC Common 205887102 1,304 44,430 SH   DFND   44,430 0 0
CONSOLIDATED EDISON INC Common 209115104 440 5,645 SH   DFND   5,645 0 0
DOMINION ENERGY INC Common 25746U109 331 4,585 SH   DFND   4,585 0 0
ENTERPRISE PRODS PARTNERS L Common 293792107 327 22,865 SH   DFND   22,865 0 0
ESSENTIAL UTILS INC Common 29670G102 241 5,930 SH   DFND   5,930 0 0
EXPEDIA GROUP INC Common New 30212P303 405 7,200 SH   DFND   7,200 0 0
EXXON MOBIL CORP Common 30231G102 1,542 40,603 SH   DFND   40,603 0 0
FACEBOOK INC CL A 30303M102 1,596 9,566 SH   DFND   9,566 0 0
FORD MTR CO DEL Common 345370860 509 105,400 SH   DFND   105,400 0 0
GENERAL ELECTRIC CO Common 369604103 213 26,884 SH   DFND   26,884 0 0
HOME DEPOT INC Common 437076102 1,772 9,493 SH   DFND   9,493 0 0
INTEL CORP Common 458140100 314 5,795 SH   DFND   5,795 0 0
INTERNATIONAL BUSINESS MACHS Common 459200101 257 2,319 SH   DFND   2,319 0 0
INVESCO QQQ TR Unit Ser 1 46090E103 228 1,200 SH   DFND   1,200 0 0
ISHARES TR TIPS BD ETF 464287176 275 2,330 SH   DFND   2,330 0 0
JOHNSON & JOHNSON Common 478160104 4,317 32,923 SH   DFND   32,923 0 0
JPMORGAN CHASE & CO Common 46625H100 390 4,331 SH   DFND   4,331 0 0
KINDER MORGAN INC DEL Common 49456B101 493 35,401 SH   DFND   35,401 0 0
MCDONALDS CORP Common 580135101 298 1,800 SH   DFND   1,800 0 0
MCKESSON CORP Common 58155Q103 494 3,650 SH   DFND   3,650 0 0
MERCK & CO. INC Common 58933Y105 2,907 37,785 SH   DFND   37,785 0 0
METLIFE INC Common 59156R108 838 27,398 SH   DFND   27,398 0 0
MICROSOFT CORP Common 594918104 376 2,383 SH   DFND   2,383 0 0
MONDELEZ INTL INC CL A 609207105 3,115 62,197 SH   DFND   62,197 0 0
NEXTERA ENERGY INC Common 65339F101 308 1,281 SH   DFND   1,281 0 0
ORACLE CORP Common 68389X105 377 7,800 SH   DFND   7,800 0 0
PAYCHEX INC Common 704326107 551 8,750 SH   DFND   8,750 0 0
PEOPLES UTD FINL INC Common 712704105 988 89,400 SH   DFND   89,400 0 0
PEPSICO INC Common 713448108 3,662 30,495 SH   DFND   30,495 0 0
PFIZER INC Common 717081103 597 18,299 SH   DFND   18,299 0 0
PHILIP MORRIS INTL INC Common 718172109 1,029 14,103 SH   DFND   14,103 0 0
PPG INDS INC Common 693506107 314 3,750 SH   DFND   3,750 0 0
PPL CORP Common 69351T106 1,003 40,646 SH   DFND   40,646 0 0
PROCTER & GAMBLE CO Common 742718109 560 5,088 SH   DFND   5,088 0 0
SALESFORCE COM INC Common 79466L302 1,198 8,318 SH   DFND   8,318 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,735 11,719 SH   DFND   11,719 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,666 6,462 SH   DFND   6,462 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&P DCRP 78467Y107 1,475 5,610 SH   DFND   5,610 0 0
TWITTER INC Common 90184L102 296 12,035 SH   DFND   12,035 0 0
US BANCORP DEL Com New 902973304 228 6,612 SH   DFND   6,612 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,813 19,410 SH   DFND   19,410 0 0
UNITED TECHNOLOGIES CORP Common 913017109 1,776 18,828 SH   DFND   18,828 0 0
VANGUARD WORLD FDS Inf Tech ETF 92204A702 307 1,450 SH   DFND   1,450 0 0
VERIZON COMMUNICATIONS INC Common 92343V104 1,508 28,070 SH   DFND   28,070 0 0
WALMART INC Common 931142103 319 2,806 SH   DFND   2,806 0 0
DISNEY WALT CO Com Disney 254687106 1,720 17,804 SH   DFND   17,804 0 0
WATERS CORP Common 941848103 309 1,700 SH   DFND   1,700 0 0
WESTERN MIDSTREAM PARTNERS L Com Unit LP Int 958669103 100 30,992 SH   DFND   30,992 0 0
WORKDAY INC CL A 98138H101 368 2,825 SH   DFND   2,825 0 0