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
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 15,710 154,886 SH   DFND   154,079 380 427
ISHARES BARCLAYS LEHMAN 1-3 YEAR TREASURY BOND FUN 1 3 YR TREAS BD 464287457 935 11,298 SH   DFND   10,313 0 985
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 208 3,910 SH   DFND   3,910 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 78,788 1,558,616 SH   DFND   1,542,013 0 16,603
ISHARES BARCLAYS 3-7 YEAR TREASURY BOND FUND 3 7 YR TREAS BD 464288661 19,699 165,065 SH   DFND   163,456 0 1,609
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 582 5,689 SH   DFND   5,209 0 480
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 529 5,295 SH   DFND   4,921 0 374
GOLDMAN SACHS ACCESS INV GRADE CORP BOND ETF ACCESS INVT GR 381430479 1,875 40,726 SH   DFND   40,726 0 0
GOLDMAN SACHS ACTIVEBETA EMERGING MARKETS ACTIVEBETA EME 381430206 62,992 2,117,384 SH   DFND   2,068,994 0 48,390
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF ACTIVEBETA INT 381430107 2,825 101,737 SH   DFND   101,737 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 1,333 11,960 SH   DFND   11,960 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 5,967 2,738 SH   DFND   2,660 0 78
ALPHABET INC CL C CAP STK CL C 02079K107 7,844 3,586 SH   DFND   3,443 0 143
ESTEE LAUDER COS INC CL A CL A 518439104 227 892 SH   DFND   892 0 0
LITHIA MOTORS INC CL A CL A 536797103 420 1,530 SH   DFND   1,530 0 0
CONSTELLATION BRANDS INC CL A 21036P108 443 1,901 SH   DFND   1,901 0 0
MARRIOTT INTL INC NEW CL A CL A 571903202 540 3,970 SH   DFND   3,970 0 0
META PLATFORMS, INC. CLASS A CL A 30303M102 620 3,847 SH   DFND   3,632 0 215
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 1,083 17,444 SH   DFND   17,444 0 0
ZOETIS INC. CL A 98978V103 2,047 11,907 SH   DFND   11,907 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 16,767 41 SH   DFND   41 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 43,507 1,108,746 SH   DFND   803,284 0 305,462
BROWN-FORMAN CORP CL B 115637209 261 3,726 SH   DFND   3,726 0 0
NIKE INC CL B CL B 654106103 65,024 636,243 SH   DFND   564,553 285 71,405
UNITED PARCEL SVC INC CL B CL B 911312106 68,119 373,170 SH   DFND   371,255 199 1,716
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 8,134 29,794 SH   DFND   25,579 0 4,215
MASTERCARD CLA 57636Q104 203,593 645,343 SH   DFND   557,443 410 87,490
PRIMIS FINANCIAL CORP COM 74167B109 136 10,000 SH   DFND   10,000 0 0
NUVEEN PA INVT QUALITY MUN FD COM 670972108 180 14,765 SH   DFND   14,765 0 0
AMERISOURCE BERGEN CORP COM 03073E105 201 1,422 SH   DFND   1,422 0 0
VENTAS INC COM 92276F100 202 3,934 SH   DFND   3,934 0 0
WSFS FINANCIAL CORP COM 929328102 203 5,055 SH   DFND   5,055 0 0
CINTAS CORP COM 172908105 203 544 SH   DFND   544 0 0
ARCHER DANIELS MIDLAND COM 039483102 204 2,625 SH   DFND   2,625 0 0
CELANESE CORPORATION COM 150870103 208 1,770 SH   DFND   1,770 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 217 5,735 SH   DFND   5,735 0 0
MAXIMUS INC COM 577933104 222 3,547 SH   DFND   3,547 0 0
YUM BRANDS INC COM COM 988498101 230 2,025 SH   DFND   2,025 0 0
HUMANA INC COM 444859102 244 522 SH   DFND   177 0 345
ENBRIDGE INC. COM 29250N105 255 6,040 SH   DFND   5,390 0 650
CONSTELLATION ENERGY CORP COM 21037T109 261 4,554 SH   DFND   4,554 0 0
WD-40 COMPANY COM 929236107 277 1,375 SH   DFND   1,375 0 0
GENTEX CORP COM 371901109 279 9,971 SH   DFND   9,971 0 0
VALERO ENERGY CORP COM 91913Y100 283 2,660 SH   DFND   2,395 0 265
ANALOG DEVICES COM 032654105 289 1,975 SH   DFND   1,975 0 0
GLOBAL PAYMENTS INC COM 37940X102 300 2,716 SH   DFND   2,366 350 0
FACTSET RESEARCH COM 303075105 306 796 SH   DFND   796 0 0
WEC ENERGY GROUP INC COM 92939U106 320 3,180 SH   DFND   3,180 0 0
AMETEK INC COM 031100100 326 2,966 SH   DFND   2,966 0 0
UGI CORP NEW COM 902681105 335 8,683 SH   DFND   8,683 0 0
PRUDENTIAL FINL INC COM 744320102 339 3,545 SH   DFND   2,005 0 1,540
KROGER CO COM 501044101 339 7,170 SH   DFND   7,056 0 114
DOVER CORP COM 260003108 353 2,906 SH   DFND   2,906 0 0
KINDER MORGAN COM 49456B101 353 21,056 SH   DFND   21,056 0 0
EASTMAN CHEM CO COM 277432100 356 3,966 SH   DFND   3,966 0 0
SEI INVESTMENTS CO COM 784117103 360 6,670 SH   DFND   6,670 0 0
GENERAL DYNAMICS CORP COM 369550108 360 1,629 SH   DFND   1,044 0 585
CORNING INC COM 219350105 370 11,742 SH   DFND   8,242 0 3,500
BOOKING HOLDINGS INC. COM 09857L108 371 212 SH   DFND   212 0 0
BROADCOM LTD COM 11135F101 392 807 SH   DFND   807 0 0
NVIDIA CORP COM 67066G104 393 2,594 SH   DFND   2,594 0 0
ZIMMER HLDGS INC COM 98956P102 394 3,754 SH   DFND   3,340 0 414
GOLDMAN SACHS GROUP INC COM COM 38141G104 395 1,331 SH   DFND   971 0 360
CUMMINS INC COM 231021106 405 2,094 SH   DFND   1,754 0 340
MARATHON PETROLEUM CORP COM 56585A102 411 4,999 SH   DFND   4,999 0 0
CANADIAN NATL RAILWAY CO COM 136375102 416 3,700 SH   DFND   3,700 0 0
FLEETCOR TECHNOLOGIES INC. COM 339041105 420 2,000 SH   DFND   2,000 0 0
MICROCHIP TECHNOLOGY COM 595017104 420 7,237 SH   DFND   7,237 0 0
WW GRAINGER INC COM 384802104 443 975 SH   DFND   975 0 0
FASTENAL COMPANY COM 311900104 444 8,888 SH   DFND   8,888 0 0
PARKER-HANNIFIN CORP COM 701094104 445 1,808 SH   DFND   1,391 0 417
PPL CORP COM COM 69351T106 449 16,553 SH   DFND   16,553 0 0
TESLA MOTORS IN COM 88160R101 472 701 SH   DFND   701 0 0
ARTHUR J GALLAGHER & CO COM 363576109 500 3,068 SH   DFND   3,068 0 0
MCKESSON HBOC INC. COM 58155Q103 515 1,580 SH   DFND   1,540 0 40
FIDELITY NATIONAL INFO SVCS COM 31620M106 523 5,707 SH   DFND   5,707 0 0
MASCO CORP COM 574599106 526 10,401 SH   DFND   10,401 0 0
TRANSDIGM GROUP, INC. COM 893641100 537 1,000 SH   DFND   1,000 0 0
CLOROX CO COM 189054109 541 3,837 SH   DFND   3,347 0 490
PUBLIC SVC ENTERPRISES COM 744573106 561 8,860 SH   DFND   8,860 0 0
INTUIT INC COM 461202103 561 1,455 SH   DFND   1,455 0 0
AMERICAN WTR WK COM 030420103 574 3,856 SH   DFND   1,575 0 2,281
EXELON CORP COM 30161N101 620 13,673 SH   DFND   13,673 0 0
CIGNA CORP COM 125523100 649 2,464 SH   DFND   2,464 0 0
PROGRESSIVE CORP OHIO COM 743315103 675 5,802 SH   DFND   5,802 0 0
PPG INDS INC COM 693506107 695 6,077 SH   DFND   6,077 0 0
M & T BK CORP COM 55261F104 700 4,391 SH   DFND   4,391 0 0
JACK HENRY & ASSOCIATES INC. COM 426281101 720 4,000 SH   DFND   3,700 300 0
COPART, INC COM 217204106 721 6,639 SH   DFND   6,639 0 0
GLATFELTER CORP COM 377320106 727 105,650 SH   DFND   105,650 0 0
CONSOLIDATED EDISON INC COM 209115104 737 7,752 SH   DFND   7,752 0 0
NORTHERN TR CORP COM 665859104 743 7,701 SH   DFND   3,151 0 4,550
GENERAL MILLS INC COM 370334104 744 9,857 SH   DFND   9,857 0 0
PHILLIPS 66 COM 718546104 774 9,445 SH   DFND   9,223 0 222
PAYPAL HOLDINGS, INC. COM 70450Y103 781 11,189 SH   DFND   8,914 175 2,100
TRAVELERS COMPANIES INC COM 89417E109 811 4,797 SH   DFND   2,319 0 2,478
CINCINNATI FINANCIAL CORP COM 172062101 835 7,017 SH   DFND   7,017 0 0
SOUTHERN CO COM 842587107 853 11,962 SH   DFND   11,962 0 0
PAYCHEX INC COM 704326107 865 7,598 SH   DFND   4,318 0 3,280
FEDEX CORP COM 31428X106 868 3,830 SH   DFND   3,830 0 0
ADOBE SYSTEMS COM 00724F101 897 2,450 SH   DFND   1,705 0 745
BANK OF AMERICA COM 060505104 924 29,689 SH   DFND   29,689 0 0
BOEING CO COM 097023105 933 6,821 SH   DFND   5,868 0 953
NORTHROP GRUMMAN CORP COM 666807102 1,046 2,185 SH   DFND   2,185 0 0
THE HERSHEY COMPANY COM 427866108 1,054 4,899 SH   DFND   4,899 0 0
CATERPILLAR INC COM 149123101 1,078 6,029 SH   DFND   5,614 0 415
INTL FLAVORS & FRAGRANCES COM 459506101 1,110 9,321 SH   DFND   9,321 0 0
DEERE & CO. COM 244199105 1,143 3,817 SH   DFND   3,532 0 285
LINDE PLC COM G5494J103 1,177 4,092 SH   DFND   3,790 0 302
PUBLIC STORAGE COM 74460D109 1,298 4,151 SH   DFND   4,151 0 0
DOMINION ENERGY INC COM 25746U109 1,299 16,281 SH   DFND   16,281 0 0
CHEMOURS COMPANY COM 163851108 1,315 41,055 SH   DFND   41,055 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 1,344 19,250 SH   DFND   19,250 0 0
AFLAC COM 001055102 1,589 28,711 SH   DFND   25,001 0 3,710
SYSCO CORP COM 871829107 1,633 19,273 SH   DFND   19,273 0 0
PNC FINANCIAL CORP COM 693475105 1,703 10,794 SH   DFND   10,194 0 600
ESSENTIAL UTILITIES INC COM 29670G102 1,723 37,580 SH   DFND   34,866 0 2,714
CHURCH & DWIGHT CO COM 171340102 1,740 18,777 SH   DFND   18,777 0 0
ELEVATION HEALTH INC COM 036752103 1,822 3,776 SH   DFND   3,776 0 0
AT&T INC COM 00206R102 1,847 88,112 SH   DFND   85,475 0 2,637
INTERNATIONAL BUSINESS MACHINES COM 459200101 1,883 13,337 SH   DFND   13,337 0 0
GILEAD SCIENCES INC COM 375558103 1,906 30,831 SH   DFND   21,107 0 9,724
CONOCOPHILLIPS COM 20825C104 2,119 23,594 SH   DFND   22,220 0 1,374
ECOLAB INC COM 278865100 2,175 14,146 SH   DFND   13,652 0 494
CHUBB LTD COM H1467J104 2,182 11,101 SH   DFND   11,006 0 95
WELLS FARGO CO COM 949746101 2,194 56,020 SH   DFND   56,020 0 0
LILLY, ELI & COMPANY COM 532457108 2,205 6,800 SH   DFND   6,620 0 180
ENTERPRISE PRODUCTS PARTNERS COM 293792107 2,208 90,613 SH   DFND   83,453 0 7,160
AMERICAN EXPRESS CO COM 025816109 2,308 16,651 SH   DFND   13,916 0 2,735
STRYKER CORP COM 863667101 2,361 11,867 SH   DFND   11,012 0 855
WALMART INC COM 931142103 2,438 20,054 SH   DFND   19,946 0 108
ALTRIA GROUP INC COM COM 02209S103 2,747 65,770 SH   DFND   65,248 0 522
INTERCONTINENTAL EXCHANGE COM 45866F104 3,406 36,222 SH   DFND   35,028 0 1,194
SHERWIN WILLIAMS CO COM 824348106 3,516 15,704 SH   DFND   15,446 258 0
NORFOLK SOUTHERN CORP COM 655844108 3,648 16,050 SH   DFND   15,605 0 445
DANAHER CORP COM 235851102 3,652 14,404 SH   DFND   14,404 0 0
EMERSON ELECTRIC CO COM 291011104 3,919 49,272 SH   DFND   42,269 0 7,003
TARGET CORP COM 87612E106 3,950 27,971 SH   DFND   27,846 0 125
NESTLE S A SPON ADR REG COM 641069406 4,107 35,283 SH   DFND   30,196 0 5,087
WASTE MGMT INC DEL COM 94106L109 4,150 27,127 SH   DFND   27,127 0 0
CORTEVA INC COM 22052L104 4,328 79,935 SH   DFND   79,935 0 0
COLGATE-PALMOLIVE CO COM 194162103 4,594 57,327 SH   DFND   46,847 0 10,480
KIMBERLY CLARK CORP COM 494368103 5,100 37,737 SH   DFND   29,197 0 8,540
INTEL CORP COM 458140100 5,282 141,203 SH   DFND   140,658 0 545
AMAZON.COM INC COM 023135106 6,336 59,660 SH   DFND   43,760 0 15,900
3M COMPANY COM 88579Y101 6,429 49,682 SH   DFND   38,375 0 11,307
BRISTOL MYERS SQUIBB CO COM 110122108 7,004 90,956 SH   DFND   81,834 0 9,122
NEXTERA ENERGY INC COM 65339F101 8,085 104,377 SH   DFND   104,377 0 0
ABBOTT LABS COM 002824100 9,670 88,998 SH   DFND   82,023 0 6,975
VERIZON COMMUNICATIONS COM 92343V104 10,019 197,418 SH   DFND   193,917 0 3,501
AMGEN INC COM 031162100 10,515 43,219 SH   DFND   41,558 0 1,661
EXXON MOBIL CORP COM 30231G102 12,128 141,617 SH   DFND   133,860 0 7,757
UNION PACIFIC CORP COM 907818108 12,183 57,120 SH   DFND   54,515 0 2,605
TRUIST FINANCIAL CORP COM 89832Q109 13,857 292,158 SH   DFND   289,807 0 2,351
AMERICAN ELECTRIC POWER COM 025537101 14,554 151,703 SH   DFND   145,903 0 5,800
ABBVIE INC. COM 00287Y109 14,754 96,333 SH   DFND   77,851 0 18,482
QUALCOMM INC COM 747525103 15,144 118,553 SH   DFND   118,303 0 250
GENUINE PARTS CO COM 372460105 20,035 150,639 SH   DFND   149,924 0 715
DOW INC COM 260557103 24,891 482,284 SH   DFND   481,447 0 837
PHILIP MORRIS INTL,INC COM 718172109 25,768 260,967 SH   DFND   259,687 0 1,280
LOCKHEED MARTIN CORP COM 539830109 27,284 63,457 SH   DFND   62,561 0 896
PFIZER INC COM 717081103 27,331 521,288 SH   DFND   509,171 0 12,117
SKYWORKS SOLUTIONS INC COM 83088M102 29,117 314,308 SH   DFND   312,938 0 1,370
HOME DEPOT INC COM 437076102 32,828 119,694 SH   DFND   118,200 0 1,494
ILLINOIS TOOL WKS INC COM 452308109 33,096 181,596 SH   DFND   180,452 199 945
PROCTER & GAMBLE COM 742718109 36,759 255,645 SH   DFND   204,815 0 50,830
V F CORPORATION COM 918204108 48,171 1,090,578 SH   DFND   1,083,593 300 6,685
AMERICAN TOWER CORP COM 03027X100 57,968 226,799 SH   DFND   225,203 301 1,295
CISCO SYS INC COM 17275R102 58,056 1,361,533 SH   DFND   1,352,632 944 7,957
AUTOMATIC DATA PROCESSING COM 053015103 63,713 303,336 SH   DFND   298,681 240 4,415
MCDONALDS CORP COM 580135101 67,753 274,437 SH   DFND   254,935 311 19,191
STARBUCKS CORP COM 855244109 80,779 1,057,452 SH   DFND   935,943 525 120,984
CHEVRON CORPORATION COM 166764100 82,488 569,750 SH   DFND   557,853 364 11,533
TEXAS INSTRUMENTS INC COM 882508104 87,209 567,581 SH   DFND   516,457 195 50,929
MERCK & CO COM 58933Y105 88,187 967,279 SH   DFND   953,703 888 12,688
COCA-COLA CO COM 191216100 90,847 1,444,079 SH   DFND   1,242,434 385 201,260
THERMO FISHER SCIENTIFIC INC COM 883556102 99,175 182,548 SH   DFND   168,210 150 14,188
AIR PRODUCTS & CHEMICALS INC COM 009158106 100,441 417,668 SH   DFND   373,203 207 44,258
S&P GLOBAL INC COM 78409V104 105,838 314,002 SH   DFND   273,943 360 39,699
TJX COS INC NEW COM 872540109 108,922 1,950,267 SH   DFND   1,645,899 1,014 303,354
ORACLE SYS CORP COM 68389X105 111,543 1,596,433 SH   DFND   1,394,876 786 200,771
BAXTER INTL INC COM 071813109 119,019 1,853,007 SH   DFND   1,648,780 1,058 203,169
DUPONT DE NEMOURS INC COM 26614N102 119,204 2,144,719 SH   DFND   1,938,277 1,187 205,255
BECTON DICKINSON COM 075887109 128,495 521,214 SH   DFND   448,781 403 72,030
HONEYWELL INTERNATIONAL, INC. COM 438516106 155,171 892,765 SH   DFND   806,714 705 85,346
COSTCO WHSL CORP NEW COM COM 22160K105 160,999 335,919 SH   DFND   297,241 263 38,415
LOWES COS INC COM 548661107 189,882 1,087,091 SH   DFND   945,859 420 140,812
RAYTHEON TECHNOLOGIES CORP COM 75513E101 192,406 2,001,935 SH   DFND   1,801,776 1,403 198,756
BLACKROCK INC COM 09247X101 197,147 323,702 SH   DFND   284,941 164 38,597
J.P. MORGAN CHASE & CO COM 46625H100 197,698 1,755,603 SH   DFND   1,572,893 961 181,749
DOLLAR GENERAL CORP COM 256677105 202,581 825,379 SH   DFND   735,766 537 89,076
PEPSICO INC COM 713448108 215,123 1,290,788 SH   DFND   1,141,416 512 148,860
CVS HEALTH CORPORATION COM 126650100 225,918 2,438,139 SH   DFND   2,171,978 1,364 264,797
JOHNSON & JOHNSON COM 478160104 234,082 1,318,696 SH   DFND   1,174,254 886 143,556
UNITEDHEALTH GROUP INC COM 91324P102 246,577 480,068 SH   DFND   407,606 262 72,200
MICROSOFT CORP COM 594918104 339,807 1,323,082 SH   DFND   1,198,825 830 123,427
APPLE INC COM 037833100 357,915 2,617,866 SH   DFND   2,302,624 1,884 313,358
THE BLACKSTONE GROUP INC COM CL A 09260D107 706 7,742 SH   DFND   7,742 0 0
VISA IN - CLASS A COM CL A 92826C839 4,653 23,631 SH   DFND   22,331 0 1,300
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 23,590 249,891 SH   DFND   186,056 0 63,835
TORONTO-DOMINION BANK COM NEW 891160509 213 3,243 SH   DFND   3,243 0 0
WEYERHAEUSER CO COM NEW 962166104 237 7,156 SH   DFND   7,156 0 0
U S BANCORP COM NEW 902973304 837 18,189 SH   DFND   8,985 0 9,204
DUKE ENERGY CORP COM NEW 26441C204 1,635 15,248 SH   DFND   15,048 0 200
MCCORMICK & CO COM NON VTG 579780206 25,659 308,216 SH   DFND   306,251 350 1,615
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 318 6,650 SH   DFND   6,650 0 0
ENERGY TRANSFER COM UT LTD PTN 29273V100 983 98,544 SH   DFND   98,544 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 739 13,624 SH   DFND   13,624 0 0
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 1,825 38,317 SH   DFND   36,317 0 2,000
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 129,849 2,206,436 SH   DFND   2,100,297 2,162 103,977
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 261,852 5,337,386 SH   DFND   5,189,771 6,448 141,167
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,318 23,108 SH   DFND   23,108 0 0
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 111,781 294,820 SH   DFND   292,678 100 2,042
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 112,070 495,382 SH   DFND   485,366 479 9,537
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 190,097 2,057,102 SH   DFND   2,007,110 2,109 47,883
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE US AGGBD ET 464287226 10,197 100,290 SH   DFND   100,290 0 0
VANGUARD DIVIDEND DIV APP ETF 921908844 37,957 264,565 SH   DFND   164,940 0 99,625
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 1,151 14,302 SH   DFND   7,898 0 6,404
ISHARES MSCI EAFE VALUE INDEX FUND EAFE VALUE ETF 464288877 222 5,110 SH   DFND   0 0 5,110
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,524 27,500 SH   DFND   27,500 0 0
PIMCO ENHANCED SHORT MATURITY ETF ENHAN SHRT MA AC 72201R833 207 2,090 SH   DFND   0 0 2,090
JP MORGAN EQUITY PREMIUM INCOME ETF EQUITY PREMIUM 46641Q332 1,170 21,092 SH   DFND   1,865 0 19,227
ISHARES MSC EAFE ESG ESG AW MSCI EAFE 46435G516 369 5,877 SH   DFND   5,635 0 242
ISHARES ESG MSCI USA SMALL- CAP ESG AWARE MSCI 46435U663 777 24,657 SH   DFND   24,657 0 0
ISHARES MSCI EM ESG OP ESG AWR MSCI EM 46434G863 931 28,815 SH   DFND   28,472 0 343
VANGUARD ESG INTL STOCK ETF ESG INTL STK ETF 921910725 1,406 28,661 SH   DFND   28,661 0 0
VANGUARD ESG US STOCK ETF ESG US STK ETF 921910733 923 13,903 SH   DFND   13,903 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 263 975 SH   DFND   975 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 45,514 911,743 SH   DFND   898,901 645 12,197
VANGUARD FTSE DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858 4,044 99,126 SH   DFND   99,126 0 0
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 5,700 136,849 SH   DFND   136,849 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 44,662 845,558 SH   DFND   830,057 0 15,501
POWERSHARES FTSE RAFI US 1K FTSE RAFI 1000 46137V613 2,122 14,316 SH   DFND   2,470 0 11,846
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 45,044 436,431 SH   DFND   425,086 587 10,758
SPDR GOLD TRUST GOLD SHS 78463V107 1,221 7,250 SH   DFND   7,250 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 652 2,927 SH   DFND   2,927 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 4,504 44,284 SH   DFND   43,884 0 400
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 370 5,023 SH   DFND   5,023 0 0
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 450 4,092 SH   DFND   4,092 0 0
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 3,687 11,292 SH   DFND   11,272 0 20
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 65,699 1,034,950 SH   DFND   1,018,405 0 16,545
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 39,987 783,136 SH   DFND   773,727 0 9,409
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 288 9,147 SH   DFND   9,147 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 399 14,678 SH   DFND   14,678 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 1,125 10,656 SH   DFND   4,648 0 6,008
VANGUARD LARGE - CAP ETF LARGE CAP ETF 922908637 1,717 9,960 SH   DFND   9,960 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 62,817 644,339 SH   DFND   635,576 0 8,763
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 402 2,292 SH   DFND   2,206 0 86
VANGUARD MID-CAP ETF MID CAP ETF 922908629 1,142 5,796 SH   DFND   5,796 0 0
ISHARES MORNINGSTAR MID-CAP ETF MRGSTR MD CP ETF 464288208 367 6,517 SH   DFND   6,517 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,221 14,559 SH   DFND   14,559 0 0
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 5,710 126,892 SH   DFND   125,922 0 970
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 888 14,207 SH   DFND   14,207 0 0
ISHARES MSCI EMERGING MARKETS INDEX FUND MSCI EMG MKT ETF 464287234 529 13,201 SH   DFND   12,201 0 1,000
ISHARES MSCI USA MINIMUM VOL MSCI USA MIN VOL 46429B697 6,336 90,242 SH   DFND   6,637 0 83,605
ISHARES EDGE MSCI USA MOMENT MSCI USA MMENTM 46432F396 4,626 33,920 SH   DFND   31,531 0 2,389
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 925 8,700 SH   DFND   8,700 0 0
NUVEEN ESG EMERGING MARKETS NUVEEN ESG EMRGN 67092P888 587 21,500 SH   DFND   21,500 0 0
ALCON INC ORD SHS H01301128 280 4,006 SH   DFND   4,006 0 0
VANGUARD REIT ETF REIT ETF 922908553 1,930 21,181 SH   DFND   21,181 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 377 1,814 SH   DFND   1,814 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 13,801 63,106 SH   DFND   35,415 0 27,691
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 12,620 87,052 SH   DFND   37,071 0 49,981
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 1,093 5,296 SH   DFND   2,861 0 2,435
ISHARES RUSSELL 2000 VALUE INDEX FUND RUS 2000 VAL ETF 464287630 1,107 8,128 SH   DFND   1,185 0 6,943
ISHARES RUSSELL MID CAP VALUE INDEX FUND RUS MDCP VAL ETF 464287473 265 2,605 SH   DFND   2,605 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 762 9,619 SH   DFND   9,619 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 2,424 37,483 SH   DFND   37,483 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 3,075 18,159 SH   DFND   17,879 0 280
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 304 1,400 SH   DFND   1,400 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 7,260 20,930 SH   DFND   16,721 0 4,209
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 2,500 41,424 SH   DFND   41,424 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 363 2,643 SH   DFND   2,643 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 2,945 24,812 SH   DFND   5,034 0 19,778
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 613 9,612 SH   DFND   9,612 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 229 2,430 SH   DFND   2,430 0 0
INVESCO S&P 500 EQUAL WEIGHT S&P500 EQL TEC 46137V282 260 1,100 SH   DFND   1,100 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 15,684 116,842 SH   DFND   113,085 0 3,757
CONSUMER DISCRETIONARY SELECT SBI CONS DISCR 81369Y407 226 1,646 SH   DFND   1,646 0 0
SPDR HEALTH CARE SEL SEC SBI HEALTHCARE 81369Y209 344 2,686 SH   DFND   1,076 0 1,610
SCHWAB FUNDAMENTAL INTL L/C SCHWB FDT INT LG 808524755 799 28,220 SH   DFND   0 0 28,220
SCHWAB FUNDAMENTAL EM L/C SCHWB FDT MEK LG 808524730 1,029 39,700 SH   DFND   0 0 39,700
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 2,785 23,668 SH   DFND   23,668 0 0
VANGUARD SHORT TERM BOND ETF SHORT TRM BOND 921937827 4,112 53,550 SH   DFND   53,550 0 0
ISHARES S&P SHORT TERM NATIONAL AMT-FREE MUNICIPAL SHRT NAT MUN ETF 464288158 1,168 11,156 SH   DFND   11,156 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 594 4,571 SH   DFND   4,571 0 0
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 10,483 218,951 SH   DFND   217,612 0 1,339
EATON CORP, PLC SHS G29183103 10,624 84,324 SH   DFND   83,979 0 345
MEDTRONIC PLC SHS G5960L103 91,266 1,016,896 SH   DFND   934,507 738 81,651
AON PLC SHS CL A G0403H108 62,561 231,984 SH   DFND   217,119 210 14,655
ACCENTURE LTD SHS CLASS A G1151C101 211,287 760,985 SH   DFND   648,848 452 111,685
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 2,155 12,236 SH   DFND   12,091 0 145
SAP SE SPONSORED ADR SPON ADR 803054204 552 6,086 SH   DFND   6,056 0 30
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 4,272 24,536 SH   DFND   24,536 0 0
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 5,102 111,331 SH   DFND   103,567 0 7,764
SHELL PLC - ADR SPON ADS 780259305 1,992 38,101 SH   DFND   35,635 0 2,466
ASTRA ZENECA PLC ADR SPONSORED ADR 046353108 421 6,366 SH   DFND   6,366 0 0
NOVARTIS AG - ADR SPONSORED ADR 66987V109 2,747 32,499 SH   DFND   32,499 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 5,336 122,574 SH   DFND   46,581 0 75,993
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 16,310 588,371 SH   DFND   583,240 0 5,131
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 1,263 9,933 SH   DFND   7,728 0 2,205
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 46,794 410,794 SH   DFND   405,425 125 5,244
VANGUARD TOTAL BOND MARKET TOTAL BND MRKT 921937835 10,869 144,418 SH   DFND   11,172 0 133,246
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 48,568 257,489 SH   DFND   229,463 0 28,026
SPDR TR UNIT SER 1 TR UNIT 78462F103 50,183 133,024 SH   DFND   91,517 0 41,507
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 1,418 43,115 SH   DFND   43,115 0 0
ISHARES DJ US TECHNOLOGY SECTOR INDEX FUND U.S. TECH ETF 464287721 981 12,265 SH   DFND   12,265 0 0
ISHARES ULTRA SHORT-TERM BOND ULTR SH TRM BD 46434V878 17,172 343,162 SH   DFND   249,087 0 94,075
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 11,602 41,395 SH   DFND   41,031 0 364
SCHWAB US DVD EQUITY ETF US DIVIDEND EQ 808524797 427 5,961 SH   DFND   5,961 0 0
ISHARES DJ US HEALTH CARE SECTOR INDEX FUND US HLTHCARE ETF 464287762 205 763 SH   DFND   763 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 376 1,473 SH   DFND   1,473 0 0
SCHWAB US LARGE-CAP VALUE ETF US LCAP VA ETF 808524409 785 12,582 SH   DFND   12,582 0 0
SCHWAB US MID CAP ETF US MID CAP ETF 808524508 425 6,780 SH   DFND   6,780 0 0
TIMOTHY PLAN US SMALL CAP CO US SM CP CORE 887432342 202 7,000 SH   DFND   7,000 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607 390 10,001 SH   DFND   10,001 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 1,541 3,726 SH   DFND   3,376 0 350
VANGUARD VALUE ETF VALUE ETF 922908744 1,350 10,236 SH   DFND   3,684 0 6,552
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 6,265 121,398 SH   DFND   120,544 110 744
ISHARES HIGH DIVIDEND EQUITY CORE HIGH DV ETF 46429B663 220 2,193 SH   DFND   2,193 0 0
MOLSON COORS BREWING COMPANY CL B 60871R209 222 4,066 SH   DFND   4,066 0 0
CRANE HLDGS CO COM 224441105 222 2,540 SH   DFND   2,540 0 0
SCHWAB (CHARLES) CORP COM 808513105 232 3,669 SH   DFND   3,669 0 0
VANGUARD EXTENDED MARKET ETF EXTEND MKT ETF 922908652 246 1,880 SH   DFND   1,880 0 0
WARNER BROS DISCOVERY INC COM SER A 934423104 254 18,893 SH   DFND   18,256 0 637
MORGAN STANLEY COM NEW 617446448 309 4,064 SH   DFND   4,064 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 335 4,191 SH   DFND   4,191 0 0
VANGUARD TAX-EXEMPT BOND INDEX ETF TAX EXEMPT BD 922907746 382 7,644 SH   DFND   7,644 0 0
ISHARES MSCI EM MKTS EX CHINA MSCI EMRG CHN 46434G764 426 8,914 SH   DFND   8,914 0 0
ENERGY SELECT SECTOR SPDR ENERGY 81369Y506 680 9,510 SH   DFND   9,510 0 0
EMBECTA CORP COMMON STOCK 29082K105 2,252 88,950 SH   DFND   82,972 80 5,898
ISHARES EDGE MSCI USA VALUE FACTO MSCI USA VALUE 46432F388 2,842 31,395 SH   DFND   18,768 0 12,627
SCHWAB FUNDAMENTAL LARGE CAP SCHWAB FDT US LG 808524771 3,884 76,315 SH   DFND   13,701 0 62,614