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
AMAZON.COM INC COM 023135106 2,981 1,674 SH   DFND   1,666 0 8
AMERICAN EXPRESS CO COM 025816109 2,938 26,880 SH   DFND   26,855 0 25
SHERWIN WILLIAMS CO COM 824348106 2,233 5,185 SH   DFND   5,114 0 71
BOEING CO COM 097023105 2,679 7,025 SH   DFND   6,947 0 78
COSTCO WHSL CORP NEW COM COM 22160K105 1,211 5,002 SH   DFND   4,860 0 142
LILLY, ELI & COMPANY COM 532457108 520 4,004 SH   DFND   3,854 0 150
ILLINOIS TOOL WKS INC COM 452308109 3,133 21,828 SH   DFND   21,664 0 164
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 28,574 197,458 SH   DFND   197,293 0 165
YUM BRANDS INC COM COM 988498101 286 2,862 SH   DFND   2,662 0 200
WASTE MGMT INC DEL COM 94106L109 1,688 16,241 SH   DFND   16,016 0 225
CATERPILLAR INC COM 149123101 859 6,343 SH   DFND   6,093 0 250
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,122 19,325 SH   DFND   19,000 0 325
LOCKHEED MARTIN CORP COM 539830109 9,463 31,527 SH   DFND   31,122 0 405
INTEL CORP COM 458140100 7,338 136,642 SH   DFND   136,042 0 600
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 760 6,384 SH   DFND   5,744 0 640
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 2,776 44,354 SH   DFND   43,654 0 700
BANK NEW YORK MELLON CORP COM 064058100 251 4,974 SH   DFND   4,074 0 900
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 32,569 114,452 SH   DFND   113,486 0 966
NOVARTIS AG - ADR SPONSORED ADR 66987V109 2,626 27,313 SH   DFND   26,313 0 1,000
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 4,244 21,126 SH   DFND   20,026 0 1,100
BRISTOL MYERS SQUIBB CO COM 110122108 3,709 77,747 SH   DFND   76,547 0 1,200
AMERICAN ELECTRIC POWER COM 025537101 11,845 141,436 SH   DFND   140,195 0 1,241
AMERICAN TOWER CORP COM 03027X100 25,090 127,322 SH   DFND   125,931 0 1,391
UNION PACIFIC CORP COM 907818108 9,842 58,862 SH   DFND   57,352 0 1,510
INTERNATIONAL BUSINESS MACHINES COM 459200101 2,956 20,953 SH   DFND   19,379 0 1,574
AQUA AMERICA INC COM 03836W103 861 23,635 SH   DFND   21,678 0 1,957
GENUINE PARTS CO COM 372460105 39,003 348,147 SH   DFND   345,468 0 2,679
TRAVELERS COMPANIES INC COM 89417E109 905 6,598 SH   DFND   3,723 0 2,875
GENERAL MILLS INC COM 370334104 869 16,800 SH   DFND   13,900 0 2,900
AT&T INC COM 00206R102 4,480 142,859 SH   DFND   139,907 0 2,952
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 19,024 178,868 SH   DFND   175,843 0 3,025
PHILIP MORRIS INTL,INC COM 718172109 45,187 511,222 SH   DFND   507,860 0 3,362
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 13,005 121,916 SH   DFND   118,523 0 3,393
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 25,317 395,889 SH   DFND   392,374 0 3,515
TAPESTRY INC COM 876030107 20,057 617,328 SH   DFND   613,731 0 3,597
CAMPBELL SOUP CO COM 134429109 240 6,290 SH   DFND   2,665 0 3,625
NIKE INC CL B CL B 654106103 1,825 21,668 SH   DFND   17,668 0 4,000
HOME DEPOT INC COM 437076102 11,038 57,520 SH   DFND   53,470 0 4,050
UNITED PARCEL SVC INC CL B CL B 911312106 41,990 375,782 SH   DFND   371,667 0 4,115
AUTOMATIC DATA PROCESSING COM 053015103 47,868 299,661 SH   DFND   295,288 0 4,373
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 21,734 588,348 SH   DFND   583,840 0 4,508
KIMBERLY CLARK CORP COM 494368103 30,922 249,575 SH   DFND   244,660 0 4,915
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 13,516 444,027 SH   DFND   437,487 0 6,540
BB&T CORP COM 054937107 33,049 710,279 SH   DFND   703,628 0 6,651
EATON CORP, PLC SHS G29183103 36,150 448,734 SH   DFND   441,933 0 6,801
ALTRIA GROUP INC COM COM 02209S103 25,669 446,963 SH   DFND   440,148 0 6,815
SPDR TR UNIT SER 1 TR UNIT 78462F103 34,990 123,866 SH   DFND   115,876 0 7,990
CISCO SYS INC COM 17275R102 55,514 1,028,229 SH   DFND   1,019,578 0 8,651
GAP INC COM 364760108 37,196 1,420,770 SH   DFND   1,412,030 0 8,740
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 15,862 305,630 SH   DFND   296,475 0 9,155
VERIZON COMMUNICATIONS COM 92343V104 42,407 717,188 SH   DFND   706,984 0 10,204
3M COMPANY COM 88579Y101 8,624 41,505 SH   DFND   30,405 0 11,100
PFIZER INC COM 717081103 19,330 455,134 SH   DFND   443,595 0 11,539
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 85,167 449,669 SH   DFND   438,108 0 11,561
CHEVRON CORPORATION COM 166764100 37,675 305,857 SH   DFND   294,269 0 11,588
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 42,466 407,821 SH   DFND   396,227 0 11,594
COLGATE-PALMOLIVE CO COM 194162103 3,259 47,545 SH   DFND   35,645 0 11,900
MERCK & CO COM 58933Y105 43,571 523,884 SH   DFND   509,141 0 14,743
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 36,633 664,354 SH   DFND   647,944 0 16,410
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 36,720 721,266 SH   DFND   703,969 0 17,297
UNILEVER N V WI N Y SHS NEW 904784709 2,425 41,610 SH   DFND   24,045 0 17,565
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 66,331 1,007,149 SH   DFND   988,617 0 18,532
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 43,360 820,898 SH   DFND   802,294 0 18,604
ABBOTT LABS COM 002824100 7,249 90,686 SH   DFND   71,136 0 19,550
ABBVIE INC. COM 00287Y109 7,018 87,083 SH   DFND   66,833 0 20,250
MCDONALDS CORP COM 580135101 34,063 179,376 SH   DFND   151,943 0 27,433
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 8,849 216,519 SH   DFND   172,367 0 44,152
WELLS FARGO CO COM 949746101 7,949 164,505 SH   DFND   118,750 0 45,755
BLACKROCK INC COM 09247X101 125,266 293,110 SH   DFND   244,111 0 48,999
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 157,056 2,035,726 SH   DFND   1,984,749 0 50,977
S&P GLOBAL INC COM 78409V104 62,312 295,951 SH   DFND   244,110 0 51,841
BECTON DICKINSON COM 075887109 85,739 343,327 SH   DFND   291,207 0 52,120
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 20,016 432,597 SH   DFND   376,327 0 56,270
HONEYWELL INTERNATIONAL, INC. COM 438516106 60,812 382,655 SH   DFND   322,291 0 60,364
DOLLAR GENERAL CORP NEW COM 256677105 46,726 391,665 SH   DFND   320,731 0 70,934
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 211,864 3,486,319 SH   DFND   3,415,350 0 70,969
PROCTER & GAMBLE COM 742718109 24,072 231,355 SH   DFND   157,143 0 74,212
AIR PRODUCTS & CHEMICALS INC COM 009158106 112,923 591,343 SH   DFND   510,261 0 81,082
FEDEX CORP COM 31428X106 83,997 463,021 SH   DFND   380,243 0 82,778
MEDTRONIC PLC SHS G5960L103 66,150 726,287 SH   DFND   639,939 0 86,348
UNITEDHEALTH GROUP INC COM COM 91324P102 113,883 460,580 SH   DFND   372,433 0 88,147
EMERSON ELECTRIC CO COM 291011104 49,994 730,153 SH   DFND   631,776 0 98,377
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 272,145 5,262,902 SH   DFND   5,152,579 0 110,323
MASTERCARD CLA 57636Q104 158,161 671,741 SH   DFND   551,799 0 119,942
APPLE INC COM 037833100 170,090 895,444 SH   DFND   755,654 0 139,790
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 16,212 387,938 SH   DFND   239,948 0 147,990
EXXON MOBIL CORP COM 30231G102 86,927 1,075,831 SH   DFND   924,628 0 151,203
VANECK VECTORS OIL SERVICE OIL SVCS ETF 92189F718 2,671 155,000 SH   DFND   0 0 155,000
ACCENTURE LTD SHS CLASS A G1151C101 141,001 801,050 SH   DFND   642,327 0 158,723
STARBUCKS CORP COM 855244109 73,997 995,387 SH   DFND   835,997 0 159,390
PEPSICO INC COM 713448108 131,590 1,073,769 SH   DFND   909,520 0 164,249
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 104,846 944,307 SH   DFND   778,733 0 165,574
UNITED TECHNOLOGIES CORP COM 913017109 116,967 907,493 SH   DFND   740,467 0 167,026
JOHNSON & JOHNSON COM 478160104 149,475 1,069,280 SH   DFND   898,813 0 170,467
BAXTER INTL INC COM 071813109 90,258 1,110,047 SH   DFND   925,484 0 184,563
MICROSOFT CORP COM 594918104 183,836 1,558,725 SH   DFND   1,370,977 0 187,748
LOWES COS INC COM 548661107 119,098 1,087,951 SH   DFND   899,445 0 188,506
J.P. MORGAN CHASE & CO COM 46625H100 140,805 1,390,940 SH   DFND   1,169,301 0 221,639
COCA-COLA CO COM 191216100 78,780 1,681,188 SH   DFND   1,416,242 0 264,946
ORACLE SYS CORP COM 68389X105 81,255 1,512,843 SH   DFND   1,232,220 0 280,623
CVS HEALTH CORPORATION COM 126650100 82,647 1,532,487 SH   DFND   1,240,516 0 291,971
U S BANCORP COM NEW 902973304 79,527 1,650,288 SH   DFND   1,358,080 0 292,208
DOWDUPONT INC COM 26078J100 125,294 2,350,293 SH   DFND   2,046,964 0 303,329
TJX COS INC NEW COM 872540109 131,412 2,469,691 SH   DFND   1,995,067 0 474,624
COMCAST CORP NEW COM CL A CL A 20030N101 126,556 3,165,480 SH   DFND   2,582,959 0 582,521
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 254 4,210 SH   DFND   4,210 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 594 11,351 SH   DFND   11,351 0 0
JP MORGAN ALERIAN MLP INDEX ALERIAN ML ETN 46625H365 471 18,450 SH   DFND   18,450 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 1,516 1,288 SH   DFND   1,288 0 0
ALPHABET INC CL C CAP STK CL C 02079K107 2,530 2,156 SH   DFND   2,156 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,819 16 SH   DFND   16 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 11,747 39 SH   DFND   39 0 0
CONSTELLATION BRANDS COM CL A 21036P108 305 1,740 SH   DFND   1,740 0 0
MARRIOTT INTL INC NEW CL A CL A 571903202 298 2,383 SH   DFND   2,383 0 0
LITHIA MOTORS INC CL A CL A 536797103 267 2,880 SH   DFND   2,880 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 528 3,192 SH   DFND   3,192 0 0
COGNIZANT TECH SOLUTIONS - A CL A 192446102 264 3,640 SH   DFND   3,640 0 0
MSC INDUSTRIAL DIRECT CO - A CL A 553530106 404 4,890 SH   DFND   4,890 0 0
FACEBOOK INC CL A 30303M102 1,387 8,318 SH   DFND   8,318 0 0
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 689 13,807 SH   DFND   13,807 0 0
CBS CORP CL B CL B 124857202 351 7,375 SH   DFND   7,375 0 0
BROWN-FORMAN CORP CL B 115637209 477 9,036 SH   DFND   9,036 0 0
WW GRAINGER INC COM 384802104 241 801 SH   DFND   801 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 247 1,287 SH   DFND   1,287 0 0
TRANSDIGM GROUP, INC. COM 893641100 590 1,300 SH   DFND   1,300 0 0
NETFLIX INC COM 64110L106 550 1,542 SH   DFND   1,542 0 0
GENERAL DYNAMICS CORP COM 369550108 269 1,591 SH   DFND   1,591 0 0
ANTHEM INC COM 036752103 467 1,629 SH   DFND   1,629 0 0
THE HERSHEY COMPANY COM 427866108 259 2,253 SH   DFND   2,253 0 0
PPG INDS INC COM 693506107 277 2,458 SH   DFND   2,458 0 0
DARDEN RESTAURANTS COM 237194105 311 2,561 SH   DFND   2,561 0 0
ZIMMER HLDGS INC COM COM 98956P102 345 2,700 SH   DFND   2,700 0 0
CUMMINS INC COM 231021106 442 2,801 SH   DFND   2,801 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 836 3,053 SH   DFND   3,053 0 0
LINDE PLC COM G5494J103 542 3,078 SH   DFND   3,078 0 0
CLOROX CO COM 189054109 554 3,455 SH   DFND   3,455 0 0
DEERE & CO. COM 244199105 571 3,574 SH   DFND   3,574 0 0
ALLSTATE CORP COM 020002101 340 3,608 SH   DFND   3,608 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 773 3,750 SH   DFND   3,750 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 427 3,776 SH   DFND   3,776 0 0
DOVER CORP COM 260003108 397 4,237 SH   DFND   4,237 0 0
FASTENAL COMPANY COM 311900104 274 4,255 SH   DFND   4,255 0 0
COMMUNITY BANK SYSTEM INC COM 203607106 256 4,279 SH   DFND   4,279 0 0
UGI CORP NEW COM 902681105 274 4,950 SH   DFND   4,950 0 0
PAYCHEX INC COM 704326107 397 4,952 SH   DFND   4,952 0 0
MARATHON PETROLEUM CORP COM 56585A102 299 4,998 SH   DFND   4,998 0 0
CELGENE CORP COM 151020104 512 5,432 SH   DFND   5,432 0 0
VENTAS INC COM 92276F100 357 5,588 SH   DFND   5,588 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,542 5,719 SH   DFND   5,719 0 0
INTERACTIVE BROKERS GROUP COM 45841N107 312 6,005 SH   DFND   6,005 0 0
CANADIAN NATL RAILWAY CO COM 136375102 538 6,010 SH   DFND   6,010 0 0
TD AMERITRADE HOLDINGS COM 87236Y108 300 6,010 SH   DFND   6,010 0 0
EXELON CORP COM 30161N101 350 6,973 SH   DFND   6,973 0 0
HANOVER FOODS CORP - CL A COM 41078W100 601 7,333 SH   DFND   7,333 0 0
V F CORPORATION COM 918204108 639 7,348 SH   DFND   7,348 0 0
SEI INVESTMENTS CO COM 784117103 392 7,500 SH   DFND   7,500 0 0
PUBLIC SVC ENTERPRISES COM 744573106 487 8,197 SH   DFND   8,197 0 0
SOUTHERN CO COM 842587107 437 8,463 SH   DFND   8,463 0 0
ENBRIDGE INC. COM 29250N105 323 8,921 SH   DFND   8,921 0 0
CITIZENS FINANCIAL COM 174610105 300 9,217 SH   DFND   9,217 0 0
SOUTHERN NATIONAL BANCORP OF VIRG. INC. COM 843395104 147 10,000 SH   DFND   10,000 0 0
CENOVUS ENERGY INC COM 15135U109 89 10,260 SH   DFND   10,260 0 0
ENCANA CORP COM COM 292505104 74 10,260 SH   DFND   10,260 0 0
THE KRAFT HEINZ COMPANY COM 500754106 348 10,655 SH   DFND   10,655 0 0
STRYKER CORP COM 863667101 2,135 10,810 SH   DFND   10,810 0 0
TEXAS INSTRUMENTS INC COM 882508104 1,158 10,919 SH   DFND   10,919 0 0
VERSUM MATERIALS INC COM 92532W103 588 11,689 SH   DFND   11,689 0 0
M & T BK CORP COM 55261F104 1,895 12,069 SH   DFND   12,069 0 0
PHILLIPS 66 COM 718546104 1,206 12,674 SH   DFND   12,674 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 811 12,817 SH   DFND   12,817 0 0
OCCIDENTAL PETE CORP COM 674599105 924 13,951 SH   DFND   13,951 0 0
SYSCO CORP COM 871829107 942 14,105 SH   DFND   14,105 0 0
NEXTERA ENERGY INC COM 65339F101 3,029 15,669 SH   DFND   15,669 0 0
DANAHER CORP COM 235851102 2,093 15,851 SH   DFND   15,851 0 0
PPL CORP COM COM 69351T106 510 16,066 SH   DFND   16,066 0 0
DOMINION ENERGY INC COM 25746U109 1,268 16,542 SH   DFND   16,542 0 0
CHURCH & DWIGHT CO COM 171340102 1,215 17,060 SH   DFND   17,060 0 0
NORFOLK SOUTHERN CORP COM 655844108 3,247 17,375 SH   DFND   17,375 0 0
NESTLE S A SPON ADR REG COM 641069406 1,665 17,464 SH   DFND   17,464 0 0
PNC FINANCIAL CORP COM 693475105 2,272 18,525 SH   DFND   18,525 0 0
CHUBB LTD COM H1467J104 2,611 18,638 SH   DFND   18,638 0 0
SOUTHWEST AIRLS CO COM 844741108 1,080 20,796 SH   DFND   20,796 0 0
WAL-MART STORES COM 931142103 2,032 20,832 SH   DFND   20,832 0 0
QUALCOMM INC COM 747525103 1,192 20,906 SH   DFND   20,906 0 0
AFLAC COM 001055102 1,101 22,014 SH   DFND   22,014 0 0
SCHLUMBERGER COM 806857108 973 22,336 SH   DFND   22,336 0 0
HP INC. COM 40434L105 464 23,893 SH   DFND   23,893 0 0
TARGET CORP COM 87612E106 1,935 24,104 SH   DFND   24,104 0 0
MIDDLESEX WTR CO COM 596680108 1,372 24,501 SH   DFND   24,501 0 0
CONSOLIDATED EDISON INC COM 209115104 2,328 27,449 SH   DFND   27,449 0 0
BANK OF AMERICA COM 060505104 1,114 40,392 SH   DFND   40,392 0 0
SYNCHRONY FINAN COM 87165B103 1,322 41,440 SH   DFND   41,440 0 0
CONOCOPHILLIPS COM 20825C104 2,970 44,504 SH   DFND   44,504 0 0
GENERAL ELECTRIC COM 369604103 545 54,551 SH   DFND   54,551 0 0
CHEMOURS COMPANY COM 163851108 2,373 63,861 SH   DFND   63,861 0 0
AMGEN INC COM 031162100 12,788 67,312 SH   DFND   67,312 0 0
SIERRA WIRELESS LNC COM 826516106 990 80,000 SH   DFND   80,000 0 0
ENTERPRISE PRODUCTS PARTNERS COM 293792107 3,316 113,953 SH   DFND   113,953 0 0
GLATFELTER P H CO COM 377316104 2,449 173,445 SH   DFND   173,445 0 0
VISA IN - CLASS A COM CL A 92826C839 2,013 12,885 SH   DFND   12,885 0 0
RAYTHEON CO NEW COM COM NEW 755111507 919 5,049 SH   DFND   5,049 0 0
DUKE ENERGY CORP COM NEW 26441C204 1,132 12,581 SH   DFND   12,581 0 0
TORONTO-DOMINION BANK COM NEW 891160509 743 13,674 SH   DFND   13,674 0 0
MCCORMICK & CO COM NON VTG 579780206 223 1,478 SH   DFND   1,478 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 1,350 22,260 SH   DFND   22,260 0 0
ENERGY TRANSFER COM UT LTD PTN 29273V100 1,567 101,926 SH   DFND   101,926 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 628 13,425 SH   DFND   13,425 0 0
VANGUARD DIVIDEND DIV APP ETF 921908844 7,572 69,062 SH   DFND   69,062 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 486 6,281 SH   DFND   6,281 0 0
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 2,100 35,425 SH   DFND   35,425 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF EMRG MARKETS ETF 19762B509 578 25,615 SH   DFND   25,615 0 0
FNF GROUP FNF GROUP COM 31620R303 329 8,990 SH   DFND   8,990 0 0
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 5,648 132,898 SH   DFND   132,898 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 965 18,009 SH   DFND   18,009 0 0
GLOBAL X MLP & ENERGY INFRASTRUCTURE ETF GLB X MLP ENRG I 37950E226 2,078 157,540 SH   DFND   157,540 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,220 10,000 SH   DFND   10,000 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 771 4,932 SH   DFND   4,932 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 1,013 11,829 SH   DFND   11,829 0 0
ISHARES HIGH DIVIDEND EQUITY HIGH DIVIDND ETF 46429B663 5,976 64,056 SH   DFND   64,056 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND FUND IBOXX INV CP ETF 464288513 729 8,436 SH   DFND   8,436 0 0
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 2,087 10,401 SH   DFND   10,401 0 0
WISDOMTREE DEFA FUND INTL EQUITY FD 97717W703 492 9,720 SH   DFND   9,720 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 1,115 36,139 SH   DFND   36,139 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 738 6,697 SH   DFND   6,697 0 0
WISDOMTREE JAPAN HEDGED EQUITY FUND JAPN HEDGE EQT 97717W851 3,130 61,843 SH   DFND   61,843 0 0
VANGUARD MIDCAP VALUE ETF MCAP VL IDXVIP 922908512 401 3,719 SH   DFND   3,719 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,046 14,494 SH   DFND   14,494 0 0
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,705 26,292 SH   DFND   26,292 0 0
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 305 2,742 SH   DFND   2,742 0 0
VANGUARD REIT ETF REIT ETF 922908553 3,366 38,731 SH   DFND   38,731 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 371 2,358 SH   DFND   2,358 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 3,331 22,006 SH   DFND   22,006 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 1,399 11,325 SH   DFND   11,325 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 1,062 5,402 SH   DFND   5,402 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 816 6,013 SH   DFND   6,013 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,110 20,572 SH   DFND   20,572 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 7,027 45,902 SH   DFND   45,902 0 0
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 292 1,750 SH   DFND   1,750 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 3,520 13,561 SH   DFND   13,561 0 0
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 1,049 6,088 SH   DFND   6,088 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 318 3,202 SH   DFND   3,202 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 264 1,679 SH   DFND   1,679 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 7,459 71,419 SH   DFND   71,419 0 0
SPDR FINANCIAL SELECT SBI INT-FINL 81369Y605 2,368 92,107 SH   DFND   92,107 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 799 13,740 SH   DFND   13,740 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 4,809 48,983 SH   DFND   48,983 0 0
LIBERTY PROPERTY TRUST SH BEN INT 531172104 242 5,000 SH   DFND   5,000 0 0
ALLERGAN PLC SHS G0177J108 567 3,873 SH   DFND   3,873 0 0
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 601 11,969 SH   DFND   11,969 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 723 4,730 SH   DFND   4,730 0 0
ISHARES S&P SMALL CAP 600 VALUE INDEX FUND SP SMCP600VL ETF 464287879 3,323 22,524 SH   DFND   22,524 0 0
SAP SE SPONSORED ADR SPON ADR 803054204 735 6,366 SH   DFND   6,366 0 0
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 1,793 10,960 SH   DFND   10,960 0 0
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 2,042 35,372 SH   DFND   35,372 0 0
TOTAL FINA ELF S A ADR SPONSORED ADR 89151E109 210 3,767 SH   DFND   3,767 0 0
BP PLC SPONSORED ADR 055622104 3,088 70,633 SH   DFND   70,633 0 0
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 385 5,197 SH   DFND   5,197 0 0
ISHARES BARCLAYS TIPS BOND FUND TIPS BD ETF 464287176 453 4,007 SH   DFND   4,007 0 0
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 778 21,275 SH   DFND   21,275 0 0
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 891 4,961 SH   DFND   4,961 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 253 1,504 SH   DFND   1,504 0 0
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 227 1,750 SH   DFND   1,750 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 2,526 7,312 SH   DFND   7,312 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 1,045 9,711 SH   DFND   9,711 0 0
INTUIT COM 461202103 227 869 SH   DFND   869 0 0
ISHARES TR EXPANDED TECH 464287515 206 975 SH   DFND   975 0 0
ECOLAB INC COM 278865100 202 1,147 SH   DFND   1,147 0 0
ISHARES TR S&P MC 400GR ETF 464287606 258 1,178 SH   DFND   1,178 0 0
CME GROUP INC. COM C;L A 12572Q105 217 1,319 SH   DFND   1,319 0 0
VANGUARD INDEX FUNDS MCAP GR IDXVIP 922908538 225 1,574 SH   DFND   1,574 0 0
HUBBELL INC COM 443510607 227 1,926 SH   DFND   1,926 0 0
WP CAREY INC COM 92936U109 157 2,000 SH   DFND   2,000 0 0
DIGITAL RLTY TR INC COM 253868103 239 2,012 SH   DFND   2,012 0 0
SPDR SERIES TRUST S&P BIOTECH 78464A870 220 2,425 SH   DFND   2,425 0 0
SMUCKER J M CO COM NEW 832696405 311 2,667 SH   DFND   2,667 0 0
BRINKS CO COM 109696104 209 2,768 SH   DFND   2,768 0 0
PRUDENTIAL FINL INC COM 744320102 256 2,789 SH   DFND   2,789 0 0
XYLEM INC COM 98419M100 221 2,799 SH   DFND   2,799 0 0
STANLEY BLACK AND DECKER INC COM 854502101 391 2,875 SH   DFND   2,875 0 0
VANGUARD BD INDEX FD INC SHORT TRMBOND 921937827 231 2,902 SH   DFND   2,902 0 0
ONEOK INC NEW COM 682680103 209 2,995 SH   DFND   2,995 0 0
ISHARES TR MSCI AC ASIA ETF 464288182 235 3,325 SH   DFND   3,325 0 0
INTERNATIONAL PAPER CO COM 460146103 159 3,439 SH   DFND   3,439 0 0
CITIGROUP INC COM NEW 172967424 234 3,756 SH   DFND   3,756 0 0
ROSS STORES INC COM 778296103 377 4,049 SH   DFND   4,049 0 0
ISHARES INC EM HGHYL BD ETF 464286285 210 4,488 SH   DFND   4,488 0 0
AMETEK INC NEW COM 031100100 377 4,540 SH   DFND   4,540 0 0
LEGGETT & PLATT INC COM 524660107 211 5,000 SH   DFND   5,000 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 251 5,849 SH   DFND   5,849 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 475 5,950 SH   DFND   5,950 0 0
CIGNA CORP NEW COM 125523100 2,053 12,768 SH   DFND   12,768 0 0
MGM RESORTS INTERNATIONAL COM 552953101 2,616 101,953 SH   DFND   101,953 0 0