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 395 2,531 SH   DFND   2,531 0 0
AT&T INC COM 00206R102 2,665 88,152 SH   DFND   88,152 0 0
ABBOTT LABS COM 002824100 561 6,138 SH   DFND   6,138 0 0
ABBVIE INC COM 00287Y109 592 6,034 SH   DFND   6,034 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 652 3,036 SH   DFND   3,036 0 0
AIR PRODS & CHEMS INC COM 009158106 334 1,384 SH   DFND   1,384 0 0
ALBEMARLE CORP COM 012653101 1,120 14,503 SH   DFND   14,503 0 0
ALPHABET INC CAP STK CL A 02079K305 4,057 2,861 SH   DFND   2,861 0 0
ALPHABET INC CAP STK CL C 02079K107 2,103 1,488 SH   DFND   1,488 0 0
ALTRIA GROUP INC COM 02209S103 917 23,367 SH   DFND   23,367 0 0
AMAZON COM INC COM 023135106 1,710 620 SH   DFND   620 0 0
APPLE INC COM 037833100 8,336 22,852 SH   DFND   22,852 0 0
APPLIED MATLS INC COM 038222105 925 15,300 SH   DFND   15,300 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 414 2,783 SH   DFND   2,783 0 0
AVANGRID INC COM 05351W103 1,061 25,285 SH   DFND   25,285 0 0
BK OF AMERICA CORP COM 060505104 1,509 63,550 SH   DFND   63,550 0 0
BCE INC COM NEW 05534B760 1,756 42,051 SH   DFND   42,051 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 328 1,838 SH   DFND   1,838 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,296 56,062 SH   DFND   56,062 0 0
BRISTOL-MYERS SQUIBB CO RIGHT 12/30/2030 110122140 46 12,797 SH   DFND   12,797 0 0
CHEVRON CORP NEW COM 166764100 308 3,449 SH   DFND   3,449 0 0
COCA COLA CO COM 191216100 515 11,535 SH   DFND   11,535 0 0
COLGATE PALMOLIVE CO COM 194162103 465 6,352 SH   DFND   6,352 0 0
CONAGRA BRANDS INC COM 205887102 1,563 44,430 SH   DFND   44,430 0 0
CONSOLIDATED EDISON INC COM 209115104 406 5,645 SH   DFND   5,645 0 0
CSX CORP COM 126408103 201 2,880 SH   DFND   2,880 0 0
DOMINION ENERGY INC COM 25746U109 372 4,585 SH   DFND   4,585 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 415 22,865 SH   DFND   22,865 0 0
ESSENTIAL UTILS INC COM 29670G102 250 5,930 SH   DFND   5,930 0 0
EXPEDIA GROUP INC COM NEW 30212P303 592 7,200 SH   DFND   7,200 0 0
EXXON MOBIL CORP COM 30231G102 1,836 41,048 SH   DFND   41,048 0 0
FACEBOOK INC CL A 30303M102 2,170 9,556 SH   DFND   9,556 0 0
FORD MTR CO DEL COM 345370860 504 82,850 SH   DFND   82,850 0 0
GENERAL ELECTRIC CO COM 369604103 178 26,010 SH   DFND   26,010 0 0
HOME DEPOT INC COM 437076102 2,378 9,493 SH   DFND   9,493 0 0
HONEYWELL INTL INC COM 438516106 201 1,388 SH   DFND   1,388 0 0
INTEL CORP COM 458140100 395 6,595 SH   DFND   6,595 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 472 3,909 SH   DFND   3,909 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 297 1,200 SH   DFND   1,200 0 0
ISHARES TR TIPS BD ETF 464287176 287 2,330 SH   DFND   2,330 0 0
JOHNSON & JOHNSON COM 478160104 4,630 32,923 SH   DFND   32,923 0 0
JPMORGAN CHASE & CO COM 46625H100 407 4,331 SH   DFND   4,331 0 0
KINDER MORGAN INC DEL COM 49456B101 537 35,401 SH   DFND   35,401 0 0
MCDONALDS CORP COM 580135101 332 1,800 SH   DFND   1,800 0 0
MCKESSON CORP COM 58155Q103 560 3,650 SH   DFND   3,650 0 0
MERCK & CO. INC COM 58933Y105 2,997 38,760 SH   DFND   38,760 0 0
METLIFE INC COM 59156R108 975 26,698 SH   DFND   26,698 0 0
MICROSOFT CORP COM 594918104 513 2,523 SH   DFND   2,523 0 0
MONDELEZ INTL INC CL A 609207105 3,180 62,197 SH   DFND   62,197 0 0
NEXTERA ENERGY INC COM 65339F101 308 1,281 SH   DFND   1,281 0 0
ORACLE CORP COM 68389X105 459 8,300 SH   DFND   8,300 0 0
PAYCHEX INC COM 704326107 417 5,500 SH   DFND   5,500 0 0
PAYPAL HLDGS INC COM 70450Y103 209 1,200 SH   DFND   1,200 0 0
PEOPLES UNITED FINANCIAL INC COM 712704105 1,024 88,525 SH   DFND   88,525 0 0
PEPSICO INC COM 713448108 4,058 30,680 SH   DFND   30,680 0 0
PFIZER INC COM 717081103 598 18,299 SH   DFND   18,299 0 0
PHILIP MORRIS INTL INC COM 718172109 957 13,653 SH   DFND   13,653 0 0
PPG INDS INC COM 693506107 398 3,750 SH   DFND   3,750 0 0
PPL CORP COM 69351T106 1,079 41,746 SH   DFND   41,746 0 0
PROCTER AND GAMBLE CO COM 742718109 608 5,088 SH   DFND   5,088 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,013 16,443 SH   DFND   16,443 0 0
SALESFORCE COM INC COM 79466L302 1,558 8,318 SH   DFND   8,318 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,961 11,719 SH   DFND   11,719 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,373 4,452 SH   DFND   4,452 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,817 5,599 SH   DFND   5,599 0 0
STRYKER CORPORATION COM 863667101 206 1,145 SH   DFND   1,145 0 0
US BANCORP DEL COM NEW 902973304 243 6,612 SH   DFND   6,612 0 0
UNITED PARCEL SERVICE INC CL B 911312106 2,275 20,465 SH   DFND   20,465 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 404 1,450 SH   DFND   1,450 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,591 28,860 SH   DFND   28,860 0 0
WALMART INC COM 931142103 336 2,806 SH   DFND   2,806 0 0
DISNEY WALT CO COM DISNEY 254687106 2,010 18,029 SH   DFND   18,029 0 0
WATERS CORP COM 941848103 307 1,700 SH   DFND   1,700 0 0
WESTERN MIDSTREAM PARTNERS L COM UNIT LP INT 958669103 287 28,550 SH   DFND   28,550 0 0
WORKDAY INC CL A 98138H101 529 2,825 SH   DFND   2,825 0 0