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
Abbott Laboratories COM 002824100 684 8,669 SH   DFND 1,2 0 0 8,669
Air Prod & Chemicals Inc COM 009158106 238 1,196 SH   DFND 1,2 0 0 1,196
ALLSTATE CORP COMM COM 020002101 225 2,458 SH   DFND 1,2 0 0 2,458
Amazon.com COM 023135106 409 210 SH   DFND 1,2 0 0 210
American Express Company COM 025816109 208 2,435 SH   DFND 1,2 0 0 2,435
AMGEN INC COM COM 031162100 1,038 5,123 SH   DFND 1,2 0 0 5,123
Analog Devices Inc COM 032654105 202 2,254 SH   DFND 1,2 0 0 2,254
Apple COM 037833100 1,661 6,532 SH   DFND 1,2 0 0 6,532
Automatic Data Processing COM 053015103 341 2,497 SH   DFND 1,2 0 0 2,497
Bank of America COM 060505104 218 10,302 SH   DFND 1,2 0 0 10,302
Becton Dickinson & Co COM 075887109 286 1,245 SH   DFND 1,2 0 0 1,245
Berkshire Hathaway Inc CL B NEW 084670702 361 1,975 SH   DFND 1,2 0 0 1,975
Boeing Co COM 097023105 334 2,243 SH   DFND 1,2 0 0 2,243
Boston Properties COM 101121101 225 2,441 SH   DFND 1,2 0 0 2,441
C S X Corp COM 126408103 207 3,630 SH   DFND 1,2 0 0 3,630
C V S Health Corporation COM 126650100 971 16,378 SH   DFND 1,2 0 0 16,378
Citigroup COM NEW 172967424 468 11,127 SH   DFND 1,2 0 0 11,127
Colgate-Palmolive Co COM 194162103 616 9,296 SH   DFND 1,2 0 0 9,296
Delta Air Lines Inc COM NEW 247361702 391 13,716 SH   DFND 1,2 0 0 13,716
Walt Disney Co COM DISNEY 254687106 813 8,419 SH   DFND 1,2 0 0 8,419
General Electric Company COM 369604103 81 10,271 SH   DFND 1,2 0 0 10,271
Gilead Sciences Inc COM 375558103 949 12,698 SH   DFND 1,2 0 0 12,698
Home Depot Inc COM 437076102 731 3,917 SH   DFND 1,2 0 0 3,917
Honeywell International COM 438516106 562 4,201 SH   DFND 1,2 0 0 4,201
Illinois Tool Works Inc COM 452308109 289 2,035 SH   DFND 1,2 0 0 2,035
Intel Corp COM 458140100 446 8,250 SH   DFND 1,2 0 0 8,250
iShares Gold Trust ETF ISHARES 464285105 7,994 530,478 SH   DFND 1,2 0 0 530,478
iShares S&P 500 ETF CORE S&P500 ETF 464287200 26,420 102,246 SH   DFND 1,2 0 0 102,246
iShares U.S. Aggregate Bond ETF CORE US AGGBD ET 464287226 21,338 184,953 SH   DFND 1,2 0 0 184,953
Ishares Tr Bond 20 YR TR BD ETF 464287432 208 1,265 SH   DFND 1,2 0 0 1,265
iShares 7-10 Year Treasury Bond ETF BARCLAYS 7 10 YR 464287440 27,021 222,434 SH   DFND 1,2 0 0 222,434
Ishares 1-3 Year Treasry 1 3 YR TREAS BD 464287457 16,200 186,924 SH   DFND 1,2 0 0 186,924
iShares S&P Mid Cap ETF CORE S&P MCP ETF 464287507 12,421 86,344 SH   DFND 1,2 0 0 86,344
iShares MSCI ACWI ex US ETF MSCI ACWI EX US 464288240 265 7,060 SH   DFND 1,2 0 0 7,060
Ishares Tr 3-7 Yr Tr Bd Etf 3 7 YR TREAS BD 464288661 1,180 8,857 SH   DFND 1,2 0 0 8,857
Johnson & Johnson COM 478160104 1,321 10,080 SH   DFND 1,2 0 0 10,080
ELI LILLY & CO COM COM 532457108 226 1,632 SH   DFND 1,2 0 0 1,632
Lockheed Martin Corp COM 539830109 303 894 SH   DFND 1,2 0 0 894
McDonald's Corp COM 580135101 728 4,405 SH   DFND 1,2 0 0 4,405
Microsoft Corp COM 594918104 2,017 12,791 SH   DFND 1,2 0 0 12,791
Mondelez Intl Inc Cl A CL A 609207105 735 14,677 SH   DFND 1,2 0 0 14,677
Nike Inc CL B 654106103 275 3,324 SH   DFND 1,2 0 0 3,324
Pnc Finl Services Gp Inc COM 693475105 434 4,536 SH   DFND 1,2 0 0 4,536
PepsiCo, Inc. COM 713448108 969 8,069 SH   DFND 1,2 0 0 8,069
Pfizer Incorporated COM 717081103 987 30,248 SH   DFND 1,2 0 0 30,248
Phillips COM 718546104 364 6,797 SH   DFND 1,2 0 0 6,797
Procter & Gamble COM 742718109 1,187 10,799 SH   DFND 1,2 0 0 10,799
Qualcomm Inc COM 747525103 847 12,522 SH   DFND 1,2 0 0 12,522
Raytheon Company COM NEW 755111507 318 2,428 SH   DFND 1,2 0 0 2,428
ROYAL BK SCOTLAND GRP PLC ADR SPONSORED SPONS ADR 2 ORD 780097689 28 10,440 SH   DFND 1,2 0 0 10,440
Royal Dutch Shell B Adrf SPON ADR B 780259107 354 10,842 SH   DFND 1,2 0 0 10,842
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797 10,477 232,942 SH   DFND 1,2 0 0 232,942
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 667 12,901 SH   DFND 1,2 0 0 12,901
State Str Corp Com Isin #us8574771031 SE COM 857477103 604 11,355 SH   DFND 1,2 0 0 11,355
TJX Companies Inc COM 872540109 719 15,052 SH   DFND 1,2 0 0 15,052
Texas Instruments Inc COM 882508104 303 3,035 SH   DFND 1,2 0 0 3,035
Union Pacific Corp COM 907818108 768 5,449 SH   DFND 1,2 0 0 5,449
United Technologies Corp COM 913017109 548 5,817 SH   DFND 1,2 0 0 5,817
VF Corporation COM 918204108 485 8,970 SH   DFND 1,2 0 0 8,970
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844 4,053 39,209 SH   DFND 1,2 0 0 39,209
VANGUARD S&P MID-CAP 400 ETF MIDCP 400 IDX 921932885 300 3,088 SH   DFND 1,2 0 0 3,088
Vanguard Short-Term Bond ETF SHORT TRM BOND 921937827 25,465 309,880 SH   DFND 1,2 0 0 309,880
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 270 3,166 SH   DFND 1,2 0 0 3,166
Vanguard Developed Markets ETF FTSE DEV MKT ETF 921943858 22,941 688,115 SH   DFND 1,2 0 0 688,115
Vanguard FTSE All-World ex-US ETF ALLWRLD EX US 922042775 515 12,575 SH   DFND 1,2 0 0 12,575
Vanguard Emerging Markets ETF FTSE EMR MKT ETF 922042858 9,458 281,922 SH   DFND 1,2 0 0 281,922
Vanguard Total Stock Mkt ETF TOTAL STK MKT 922908769 5,799 44,985 SH   DFND 1,2 0 0 44,985
Powershs Nasdaq-100 ETF UNIT SER 1 46090E103 6,122 32,156 SH   DFND 1,2 0 0 32,156
THE TRAVELERS COMPANIES INC CO M COM 89417E109 359 3,615 SH   DFND 1,2 0 0 3,615
AT&T COM 00206R102 866 29,727 SH   DFND 1,2 0 0 29,727
Google Inc Cl C Non Vtg CAP STK CL C 02079K107 309 266 SH   DFND 1,2 0 0 266
Ameriprise Financial Inc COM 03076C106 530 5,180 SH   DFND 1,2 0 0 5,180
Broadridge Financial Solutions, Inc COM 11133T103 676 7,131 SH   DFND 1,2 0 0 7,131
Broadcom Limited Com Npv COM 11135F101 519 2,192 SH   DFND 1,2 0 0 2,192
CASI Pharmaceuticals Inc COM 14757U109 30 15,000 SH   DFND 1,2 0 0 15,000
Cisco Systems Inc COM 17275R102 902 22,969 SH   DFND 1,2 0 0 22,969
Comcast Corporation CL A 20030N101 207 6,025 SH   DFND 1,2 0 0 6,025
Diageo Plc New Adr SPON ADR NEW 25243Q205 351 2,769 SH   DFND 1,2 0 0 2,769
Exelon Corporation COM 30161N101 638 17,352 SH   DFND 1,2 0 0 17,352
Exxon Mobil Corp COM 30231G102 380 10,008 SH   DFND 1,2 0 0 10,008
GLOBAL PARTNERS LP COM UNITS COM UNITS 37946R109 233 26,517 SH   DFND 1,2 0 0 26,517
POWERSHARES DYNAMIC LARGE CAP VALUE PORT DYNMC LRG VALU 46137V738 225 7,472 SH   DFND 1,2 0 0 7,472
PowerShares S&P 500 Low Vol. ETF S&P500 LOW VOL 46138E354 1,886 40,200 SH   DFND 1,2 0 0 40,200
iShares MSCI EAFE Min Vol ETF MIN VOL EAFE ETF 46429B689 342 5,513 SH   DFND 1,2 0 0 5,513
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 225 4,512 SH   DFND 1,2 0 0 4,512
Ishares Core Msci CORE MSCI EMKT 46434G103 351 8,676 SH   DFND 1,2 0 0 8,676
Ishares Msci Usa Esg ESG MSCI USA ETF 46435G425 405 7,052 SH   DFND 1,2 0 0 7,052
Ishares Msci Eafe Esg ESG MSCI EAFE 46435G516 390 7,343 SH   DFND 1,2 0 0 7,343
JPMorgan Chase & Co. COM 46625H100 1,158 12,868 SH   DFND 1,2 0 0 12,868
Mastercard Inc CL A 57636Q104 998 4,134 SH   DFND 1,2 0 0 4,134
Merck & Co Inc New COM 58933Y105 784 10,195 SH   DFND 1,2 0 0 10,195
SPDR S&P 500 ETF TR UNIT 78462F103 3,954 15,343 SH   DFND 1,2 0 0 15,343
Spdr Portfolio Short Term Corporate Bond PORTFOLIO SHORT 78464A474 967 31,972 SH   DFND 1,2 0 0 31,972
Spdr Bloomberg Barclays SPDR BLOOMBERG 78468R663 1,297 14,160 SH   DFND 1,2 0 0 14,160
3m Company COM 88579Y101 743 5,449 SH   DFND 1,2 0 0 5,449
Verizon Communications COM 92343V104 1,227 22,839 SH   DFND 1,2 0 0 22,839
Visa COM CL A 92826C839 234 1,455 SH   DFND 1,2 0 0 1,455
Xcel Energy Inc Com COM 98389B100 793 13,162 SH   DFND 1,2 0 0 13,162
Accenture Plc Cl A SHS CLASS A G1151C101 914 5,598 SH   DFND 1,2 0 0 5,598
Medtronic Inc SHS G5960L103 824 9,146 SH   DFND 1,2 0 0 9,146
Chubb Corp COM H1467J104 484 4,338 SH   DFND 1,2 0 0 4,338
TE Connectivity Ltd REG SHS H84989104 617 9,812 SH   DFND 1,2 0 0 9,812
Royal Caribbean Cruises Com Usd0.01 COM V7780T103 215 6,699 SH   DFND 1,2 0 0 6,699