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 547 3,131 SH   DFND   3,131 0 0
AT&T INC COM 00206R102 2,550 88,671 SH   DFND   88,671 0 0
ABBOTT LABS COM 002824100 622 5,678 SH   DFND   5,678 0 0
ABBVIE INC COM 00287Y109 647 6,034 SH   DFND   6,034 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 549 2,101 SH   DFND   2,101 0 0
AIR PRODS & CHEMS INC COM 009158106 378 1,384 SH   DFND   1,384 0 0
ALBEMARLE CORP COM 012653101 2,097 14,213 SH   DFND   14,213 0 0
ALPHABET INC CAP STK CL A 02079K305 4,857 2,771 SH   DFND   2,771 0 0
ALPHABET INC CAP STK CL C 02079K107 2,400 1,370 SH   DFND   1,370 0 0
ALTRIA GROUP INC COM 02209S103 958 23,367 SH   DFND   23,367 0 0
AMAZON COM INC COM 023135106 1,964 603 SH   DFND   603 0 0
APPLE INC COM 037833100 11,838 89,213 SH   DFND   89,213 0 0
APPLIED MATLS INC COM 038222105 1,320 15,300 SH   DFND   15,300 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 490 2,783 SH   DFND   2,783 0 0
AVANGRID INC COM 05351W103 1,134 24,950 SH   DFND   24,950 0 0
BK OF AMERICA CORP COM 060505104 2,019 66,610 SH   DFND   66,610 0 0
BCE INC COM NEW 05534B760 1,775 41,475 SH   DFND   41,475 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 419 1,808 SH   DFND   1,808 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 3,529 56,899 SH   DFND   56,899 0 0
BRISTOL-MYERS SQUIBB CO RIGHT 12/30/2030 110122140 8 12,267 SH   DFND   12,267 0 0
CATERPILLAR INC COM 149123101 619 3,400 SH   DFND   3,400 0 0
CHEVRON CORP NEW COM 166764100 343 4,059 SH   DFND   4,059 0 0
COCA COLA CO COM 191216100 704 12,835 SH   DFND   12,835 0 0
COLGATE PALMOLIVE CO COM 194162103 567 6,636 SH   DFND   6,636 0 0
CONAGRA BRANDS INC COM 205887102 1,647 45,430 SH   DFND   45,430 0 0
CONSOLIDATED EDISON INC COM 209115104 408 5,645 SH   DFND   5,645 0 0
COSTCO WHSL CORP NEW COM 22160K105 212 563 SH   DFND   563 0 0
DOMINION ENERGY INC COM 25746U109 345 4,585 SH   DFND   4,585 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 213 2,325 SH   DFND   2,325 0 0
EMERSON ELEC CO COM 291011104 205 2,548 SH   DFND   2,548 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107 417 21,265 SH   DFND   21,265 0 0
ESSENTIAL UTILS INC COM 29670G102 280 5,930 SH   DFND   5,930 0 0
EXXON MOBIL CORP COM 30231G102 1,501 36,423 SH   DFND   36,423 0 0
FACEBOOK INC CL A 30303M102 2,575 9,426 SH   DFND   9,426 0 0
GENERAL ELECTRIC CO COM 369604103 269 24,935 SH   DFND   24,935 0 0
HOME DEPOT INC COM 437076102 2,522 9,493 SH   DFND   9,493 0 0
HONEYWELL INTL INC COM 438516106 291 1,368 SH   DFND   1,368 0 0
INTEL CORP COM 458140100 274 5,495 SH   DFND   5,495 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 2,501 19,866 SH   DFND   19,866 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 376 1,200 SH   DFND   1,200 0 0
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 738 7,135 SH   DFND   7,135 0 0
ISHARES TR EXPANDED TECH 464287515 248 700 SH   DFND   700 0 0
JOHNSON & JOHNSON COM 478160104 5,148 32,708 SH   DFND   32,708 0 0
JPMORGAN CHASE & CO COM 46625H100 385 3,031 SH   DFND   3,031 0 0
KINDER MORGAN INC DEL COM 49456B101 447 32,666 SH   DFND   32,666 0 0
MCDONALDS CORP COM 580135101 386 1,800 SH   DFND   1,800 0 0
MCKESSON CORP COM 58155Q103 635 3,650 SH   DFND   3,650 0 0
MERCK & CO. INC COM 58933Y105 3,094 37,825 SH   DFND   37,825 0 0
METLIFE INC COM 59156R108 1,196 25,473 SH   DFND   25,473 0 0
MICROSOFT CORP COM 594918104 561 2,523 SH   DFND   2,523 0 0
MONDELEZ INTL INC CL A 609207105 3,643 62,307 SH   DFND   62,307 0 0
NEXTERA ENERGY INC COM 65339F101 365 4,734 SH   DFND   4,734 0 0
ORACLE CORP COM 68389X105 523 8,080 SH   DFND   8,080 0 0
PAYCHEX INC COM 704326107 512 5,500 SH   DFND   5,500 0 0
PAYPAL HLDGS INC COM 70450Y103 211 900 SH   DFND   900 0 0
PEOPLES UNITED FINANCIAL INC COM 712704105 1,221 94,435 SH   DFND   94,435 0 0
PEPSICO INC COM 713448108 4,485 30,240 SH   DFND   30,240 0 0
PFIZER INC COM 717081103 674 18,299 SH   DFND   18,299 0 0
PHILIP MORRIS INTL INC COM 718172109 1,122 13,553 SH   DFND   13,553 0 0
PPG INDS INC COM 693506107 512 3,550 SH   DFND   3,550 0 0
PPL CORP COM 69351T106 1,168 41,421 SH   DFND   41,421 0 0
PROCTER AND GAMBLE CO COM 742718109 708 5,088 SH   DFND   5,088 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,339 18,728 SH   DFND   18,728 0 0
SALESFORCE COM INC COM 79466L302 1,432 6,437 SH   DFND   6,437 0 0
SPDR GOLD TR GOLD SHS 78463V107 2,065 11,579 SH   DFND   11,579 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,665 4,452 SH   DFND   4,452 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,561 6,099 SH   DFND   6,099 0 0
STRYKER CORPORATION COM 863667101 273 1,115 SH   DFND   1,115 0 0
US BANCORP DEL COM NEW 902973304 308 6,612 SH   DFND   6,612 0 0
UNITED PARCEL SERVICE INC CL B 911312106 2,499 14,840 SH   DFND   14,840 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 513 1,450 SH   DFND   1,450 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,696 28,860 SH   DFND   28,860 0 0
VISA INC COM CL A 92826C839 208 950 SH   DFND   950 0 0
WALMART INC COM 931142103 404 2,806 SH   DFND   2,806 0 0
DISNEY WALT CO COM 254687106 3,260 17,994 SH   DFND   17,994 0 0
WATERS CORP COM 941848103 421 1,700 SH   DFND   1,700 0 0
WORKDAY INC CL A 98138H101 677 2,825 SH   DFND   2,825 0 0
WORKHORSE GROUP INC COM NEW 98138J206 284 14,375 SH   DFND   14,375 0 0