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 LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 281 4,210 SH   DFND   4,210 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 49,045 914,504 SH   DFND   896,636 958 16,910
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 14,347 130,168 SH   DFND   128,062 123 1,983
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 2,824 28,197 SH   DFND   27,323 0 874
NOVO-NORDISK A/S SPONS ADR ADR 670100205 674 11,643 SH   DFND   11,643 0 0
JP MORGAN ALERIAN MLP INDEX ALERIAN ML ETN 46625H365 209 9,600 SH   DFND   9,600 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 1,906 1,423 SH   DFND   1,423 0 0
ALPHABET INC CL C CAP STK CL C 02079K107 2,793 2,089 SH   DFND   2,089 0 0
TWILIO INC - A CL A 90138F102 229 2,325 SH   DFND   2,325 0 0
CONSTELLATION BRANDS INC CL A 21036P108 271 1,426 SH   DFND   1,426 0 0
MARRIOTT INTL INC NEW CL A CL A 571903202 361 2,383 SH   DFND   2,383 0 0
LITHIA MOTORS INC CL A CL A 536797103 366 2,490 SH   DFND   2,490 0 0
MSC INDUSTRIAL DIRECT CO - A CL A 553530106 421 5,365 SH   DFND   5,365 0 0
ZOETIS INC. CL A 98978V103 463 3,499 SH   DFND   3,499 0 0
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 731 13,277 SH   DFND   13,277 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 850 4,117 SH   DFND   4,117 0 0
FACEBOOK INC CL A 30303M102 1,979 9,643 SH   DFND   9,643 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 5,094 15 SH   DFND   15 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 13,244 39 SH   DFND   39 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 142,858 3,176,744 SH   DFND   2,641,851 845 534,048
BROWN-FORMAN CORP CL B 115637209 597 8,836 SH   DFND   8,836 0 0
NIKE INC CL B CL B 654106103 2,148 21,205 SH   DFND   17,205 0 4,000
UNITED PARCEL SVC INC CL B CL B 911312106 45,105 385,315 SH   DFND   381,535 0 3,780
FOX CORP - CL B CL B COM 35137L204 386 10,611 SH   DFND   10,611 0 0
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 4,716 20,823 SH   DFND   19,723 0 1,100
MASTERCARD CLA 57636Q104 180,117 603,224 SH   DFND   500,640 145 102,439
PAYPAL HOLDINGS, INC. COM 70450Y103 200 1,850 SH   DFND   1,850 0 0
ECOLAB INC COM 278865100 211 1,095 SH   DFND   1,095 0 0
WW GRAINGER INC COM 384802104 215 635 SH   DFND   635 0 0
INTUIT INC COM 461202103 215 822 SH   DFND   822 0 0
XYLEM INC COM 98419M100 221 2,799 SH   DFND   2,799 0 0
STATE STREET CORPORATION COM 857477103 221 2,800 SH   DFND   2,800 0 0
UGI CORP NEW COM 902681105 224 4,950 SH   DFND   4,950 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 227 989 SH   DFND   989 0 0
T ROWE PRICE GROUP INC COM 74144T108 231 1,893 SH   DFND   1,893 0 0
UNIVERSAL DISPLAY CORP COM 91347P105 232 1,127 SH   DFND   1,127 0 0
VULCAN MATERIALS CO COM 929160109 233 1,618 SH   DFND   1,618 0 0
MGM RESORTS INTERNATIONAL COM 552953101 236 7,100 SH   DFND   7,100 0 0
YUM BRANDS INC COM COM 988498101 237 2,348 SH   DFND   2,148 0 200
GAP INC COM 364760108 238 13,435 SH   DFND   13,435 0 0
DIGITAL REALTY TRUST COM 253868103 241 2,012 SH   DFND   2,012 0 0
ONEOK INC COM 682680103 246 3,247 SH   DFND   3,247 0 0
GENERAL DYNAMICS CORP COM 369550108 252 1,430 SH   DFND   1,430 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 265 1,340 SH   DFND   1,340 0 0
HUBBELL INC COM 443510607 265 1,796 SH   DFND   1,796 0 0
YORK WATER COMPANY COM 987184108 279 6,050 SH   DFND   6,050 0 0
DARDEN RESTAURANTS COM 237194105 286 2,626 SH   DFND   2,626 0 0
MARATHON PETROLEUM CORP COM 56585A102 301 4,998 SH   DFND   4,998 0 0
AMETEK INC COM 031100100 304 3,048 SH   DFND   3,048 0 0
SCHLUMBERGER COM 806857108 307 7,627 SH   DFND   7,627 0 0
VENTAS INC COM 92276F100 308 5,338 SH   DFND   5,338 0 0
CAMPBELL SOUP CO COM 134429109 311 6,290 SH   DFND   2,665 0 3,625
FASTENAL COMPANY COM 311900104 314 8,510 SH   DFND   8,510 0 0
PPG INDS INC COM 693506107 320 2,397 SH   DFND   2,397 0 0
CUMMINS INC COM 231021106 334 1,866 SH   DFND   1,866 0 0
SMITH A.O. CORP COM 831865209 337 7,077 SH   DFND   7,077 0 0
SABRE CORPORATION COM 78573M104 346 15,411 SH   DFND   15,411 0 0
PAYCHEX INC COM 704326107 366 4,302 SH   DFND   4,302 0 0
ZIMMER HLDGS INC COM COM 98956P102 367 2,450 SH   DFND   2,450 0 0
ARTHUR J GALLAGHER & CO COM 363576109 371 3,898 SH   DFND   3,898 0 0
EXELON CORP COM 30161N101 377 8,260 SH   DFND   8,260 0 0
VALERO ENERGY CORP NEW COM 91913Y100 382 4,074 SH   DFND   4,074 0 0
DOVER CORP COM 260003108 388 3,365 SH   DFND   3,365 0 0
ALLSTATE CORP COM 020002101 409 3,641 SH   DFND   3,641 0 0
INTERACTIVE BROKERS GROUP COM 45841N107 412 8,835 SH   DFND   8,835 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 467 7,928 SH   DFND   7,928 0 0
SEI INVESTMENTS CO COM 784117103 491 7,500 SH   DFND   7,500 0 0
LINDE PLC COM G5494J103 491 2,307 SH   DFND   2,307 0 0
HANOVER FOODS CORP - CL A COM 41078W100 491 7,333 SH   DFND   7,333 0 0
NETFLIX INC COM 64110L106 496 1,532 SH   DFND   1,532 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 514 3,695 SH   DFND   3,695 0 0
GENERAL ELECTRIC COM 369604103 524 46,977 SH   DFND   46,977 0 0
ROSS STORES INC COM 778296103 526 4,520 SH   DFND   4,520 0 0
CLOROX CO COM 189054109 531 3,456 SH   DFND   3,456 0 0
CANADIAN NATL RAILWAY CO COM 136375102 544 6,010 SH   DFND   6,010 0 0
STANLEY BLACK AND DECKER COM 854502101 572 3,450 SH   DFND   3,450 0 0
KROGER CO COM 501044101 573 19,750 SH   DFND   19,750 0 0
PPL CORP COM COM 69351T106 587 16,353 SH   DFND   16,353 0 0
PUBLIC SVC ENTERPRISES COM 744573106 609 10,307 SH   DFND   10,307 0 0
SOUTHERN CO COM 842587107 619 9,722 SH   DFND   9,722 0 0
DEERE & CO. COM 244199105 623 3,594 SH   DFND   3,594 0 0
CITIZENS FINANCIAL COM 174610105 666 16,391 SH   DFND   16,391 0 0
TAPESTRY INC COM 876030107 674 24,974 SH   DFND   24,974 0 0
TRANSDIGM GROUP, INC. COM 893641100 728 1,300 SH   DFND   1,300 0 0
V F CORPORATION COM 918204108 766 7,683 SH   DFND   7,683 0 0
SOUTHWEST AIRLS CO COM 844741108 775 14,355 SH   DFND   14,355 0 0
TRAVELERS COMPANIES INC COM 89417E109 797 5,816 SH   DFND   2,983 0 2,833
LILLY, ELI & COMPANY COM 532457108 806 6,133 SH   DFND   6,133 0 0
GENERAL MILLS INC COM 370334104 829 15,474 SH   DFND   12,574 0 2,900
M & T BK CORP COM 55261F104 857 5,050 SH   DFND   5,050 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 970 3,803 SH   DFND   3,803 0 0
AQUA AMERICA INC COM 03836W103 998 21,260 SH   DFND   19,303 0 1,957
SYSCO CORP COM 871829107 1,000 11,696 SH   DFND   11,696 0 0
CATERPILLAR INC COM 149123101 1,029 6,967 SH   DFND   6,717 0 250
THERMO FISHER SCIENTIFIC INC COM 883556102 1,045 3,217 SH   DFND   3,217 0 0
OCCIDENTAL PETE CORP COM 674599105 1,078 26,159 SH   DFND   26,159 0 0
BANK OF AMERICA COM 060505104 1,081 30,689 SH   DFND   30,689 0 0
CHEMOURS COMPANY COM 163851108 1,155 63,861 SH   DFND   63,861 0 0
ANTHEM INC COM 036752103 1,157 3,832 SH   DFND   3,832 0 0
CHURCH & DWIGHT CO COM 171340102 1,166 16,576 SH   DFND   16,576 0 0
DOMINION ENERGY INC COM 25746U109 1,263 15,252 SH   DFND   15,252 0 0
SYNCHRONY FINAN COM 87165B103 1,339 37,195 SH   DFND   37,195 0 0
TEXAS INSTRUMENTS INC COM 882508104 1,387 10,810 SH   DFND   10,810 0 0
AFLAC COM 001055102 1,394 26,344 SH   DFND   26,344 0 0
CONSOLIDATED EDISON INC COM 209115104 1,471 16,256 SH   DFND   16,256 0 0
PHILLIPS 66 COM 718546104 1,485 13,326 SH   DFND   13,326 0 0
COSTCO WHSL CORP NEW COM COM 22160K105 1,536 5,227 SH   DFND   5,085 0 142
WASTE MGMT INC DEL COM 94106L109 1,876 16,464 SH   DFND   16,464 0 0
DANAHER CORP COM 235851102 1,896 12,351 SH   DFND   12,351 0 0
QUALCOMM INC COM 747525103 1,945 22,041 SH   DFND   22,041 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,946 5,658 SH   DFND   5,658 0 0
NESTLE S A SPON ADR REG COM 641069406 1,977 18,264 SH   DFND   18,264 0 0
STRYKER CORP COM 863667101 2,246 10,699 SH   DFND   10,699 0 0
WALMART INC COM 931142103 2,295 19,311 SH   DFND   19,311 0 0
CIGNA CORP COM 125523100 2,430 11,881 SH   DFND   11,881 0 0
PNC FINANCIAL CORP COM 693475105 2,462 15,425 SH   DFND   15,425 0 0
CHUBB LTD COM H1467J104 2,483 15,949 SH   DFND   15,949 0 0
BOEING CO COM 097023105 2,485 7,628 SH   DFND   7,550 0 78
INTERNATIONAL BUSINESS MACHINES COM 459200101 2,865 21,374 SH   DFND   19,800 0 1,574
THE HERSHEY COMPANY COM 427866108 2,888 19,646 SH   DFND   19,646 0 0
AMERICAN EXPRESS CO COM 025816109 2,897 23,270 SH   DFND   23,245 0 25
CONOCOPHILLIPS COM 20825C104 3,027 46,542 SH   DFND   46,542 0 0
ENTERPRISE PRODUCTS PARTNERS COM 293792107 3,071 109,053 SH   DFND   109,053 0 0
COLGATE-PALMOLIVE CO COM 194162103 3,089 44,866 SH   DFND   32,696 0 12,170
SHERWIN WILLIAMS CO COM 824348106 3,095 5,303 SH   DFND   5,232 0 71
TARGET CORP COM 87612E106 3,110 24,254 SH   DFND   24,254 0 0
GLATFELTER P H CO COM 377316104 3,174 173,445 SH   DFND   173,445 0 0
NORFOLK SOUTHERN CORP COM 655844108 3,362 17,320 SH   DFND   17,320 0 0
AMAZON.COM INC COM 023135106 3,483 1,885 SH   DFND   1,885 0 0
ILLINOIS TOOL WKS INC COM 452308109 3,930 21,879 SH   DFND   21,715 0 164
NEXTERA ENERGY INC COM 65339F101 4,037 16,671 SH   DFND   16,671 0 0
CORTEVA INC COM 22052L104 4,966 167,990 SH   DFND   167,350 0 640
BRISTOL MYERS SQUIBB CO COM 110122108 5,206 81,101 SH   DFND   79,901 0 1,200
AT&T INC COM 00206R102 6,066 155,232 SH   DFND   152,280 0 2,952
ABBOTT LABS COM 002824100 7,185 82,721 SH   DFND   70,819 0 11,902
ABBVIE INC. COM 00287Y109 7,405 83,629 SH   DFND   63,626 0 20,003
3M COMPANY COM 88579Y101 7,578 42,954 SH   DFND   31,654 0 11,300
INTEL CORP COM 458140100 8,312 138,888 SH   DFND   138,888 0 0
WELLS FARGO CO COM 949746101 8,463 157,303 SH   DFND   115,462 0 41,841
UNION PACIFIC CORP COM 907818108 10,551 58,363 SH   DFND   56,853 0 1,510
AMERICAN ELECTRIC POWER COM 025537101 12,807 135,506 SH   DFND   134,615 0 891
LOCKHEED MARTIN CORP COM 539830109 13,244 34,012 SH   DFND   33,712 0 300
AMGEN INC COM 031162100 16,344 67,798 SH   DFND   67,798 0 0
PFIZER INC COM 717081103 17,636 450,138 SH   DFND   438,619 0 11,519
DOW INC COM 260557103 21,761 397,600 SH   DFND   395,625 0 1,975
ALTRIA GROUP INC COM COM 02209S103 22,069 442,178 SH   DFND   435,813 0 6,365
HOME DEPOT INC COM 437076102 26,330 120,570 SH   DFND   116,815 0 3,755
PROCTER & GAMBLE COM 742718109 28,237 226,078 SH   DFND   155,832 0 70,246
AMERICAN TOWER CORP COM 03027X100 28,706 124,908 SH   DFND   123,517 0 1,391
KIMBERLY CLARK CORP COM 494368103 34,195 248,598 SH   DFND   244,138 0 4,460
CHEVRON CORPORATION COM 166764100 37,393 310,288 SH   DFND   298,850 0 11,438
GENUINE PARTS CO COM 372460105 38,972 366,869 SH   DFND   364,240 0 2,629
INTL FLAVORS & FRAGRANCES COM 459506101 42,483 329,271 SH   DFND   266,118 75 63,078
PHILIP MORRIS INTL,INC COM 718172109 42,952 504,789 SH   DFND   501,177 0 3,612
FEDEX CORP COM 31428X106 42,982 284,251 SH   DFND   235,846 240 48,165
VERIZON COMMUNICATIONS COM 92343V104 44,121 718,586 SH   DFND   708,957 0 9,629
MERCK & CO COM 58933Y105 48,735 535,848 SH   DFND   521,555 0 14,293
AUTOMATIC DATA PROCESSING COM 053015103 49,637 291,128 SH   DFND   286,890 0 4,238
MCDONALDS CORP COM 580135101 50,815 257,150 SH   DFND   232,617 0 24,533
CISCO SYS INC COM 17275R102 50,854 1,060,349 SH   DFND   1,052,673 0 7,676
DUPONT DE NEMOURS INC COM 26614N102 51,017 794,663 SH   DFND   703,715 164 90,784
EMERSON ELECTRIC CO COM 291011104 60,841 797,817 SH   DFND   703,889 180 93,748
EXXON MOBIL CORP COM 30231G102 63,750 913,580 SH   DFND   783,421 250 129,909
DOLLAR GENERAL CORP COM 256677105 69,180 443,515 SH   DFND   374,098 75 69,342
HONEYWELL INTERNATIONAL, INC. COM 438516106 69,650 393,505 SH   DFND   336,359 115 57,031
ORACLE SYS CORP COM 68389X105 82,755 1,562,011 SH   DFND   1,296,773 310 264,928
STARBUCKS CORP COM 855244109 87,353 993,552 SH   DFND   846,548 290 146,714
S&P GLOBAL INC COM 78409V104 87,560 320,675 SH   DFND   268,622 80 51,973
AIR PRODUCTS & CHEMICALS INC COM 009158106 88,772 377,771 SH   DFND   327,539 80 50,152
COCA-COLA CO COM 191216100 93,658 1,692,099 SH   DFND   1,438,549 300 253,250
BAXTER INTL INC COM 071813109 94,172 1,126,193 SH   DFND   946,479 250 179,464
BECTON DICKINSON COM 075887109 95,068 349,552 SH   DFND   298,963 95 50,494
LOWES COS INC COM 548661107 135,243 1,129,287 SH   DFND   949,008 175 180,104
UNITED TECHNOLOGIES CORP COM 913017109 139,447 931,135 SH   DFND   773,083 300 157,752
UNITEDHEALTH GROUP INC COM COM 91324P102 146,376 497,912 SH   DFND   405,292 120 92,500
PEPSICO INC COM 713448108 152,050 1,112,531 SH   DFND   955,912 275 156,344
TJX COS INC NEW COM 872540109 152,474 2,497,115 SH   DFND   2,054,807 645 441,663
BLACKROCK INC COM 09247X101 154,454 307,249 SH   DFND   260,807 70 46,372
JOHNSON & JOHNSON COM 478160104 162,398 1,113,306 SH   DFND   949,797 255 163,254
CVS HEALTH CORPORATION COM 126650100 166,102 2,235,855 SH   DFND   1,890,410 590 344,855
J.P. MORGAN CHASE & CO COM 46625H100 197,556 1,417,188 SH   DFND   1,206,774 300 210,114
MICROSOFT CORP COM 594918104 238,500 1,512,368 SH   DFND   1,339,559 290 172,519
APPLE INC COM 037833100 259,946 885,222 SH   DFND   754,246 205 130,771
CME GROUP INC. COM CL A 12572Q105 273 1,361 SH   DFND   1,361 0 0
VISA IN - CLASS A COM CL A 92826C839 2,386 12,700 SH   DFND   12,700 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 140,666 972,593 SH   DFND   816,698 275 155,620
CITIGROUP INC COM NEW 172967424 202 2,524 SH   DFND   2,524 0 0
TORONTO-DOMINION BK ONT COM NEW 891160509 244 4,344 SH   DFND   4,344 0 0
SMUCKER J M CO COM NEW 832696405 304 2,918 SH   DFND   2,918 0 0
RAYTHEON CO NEW COM COM NEW 755111507 1,075 4,890 SH   DFND   4,890 0 0
DUKE ENERGY CORP COM NEW 26441C204 1,260 13,819 SH   DFND   13,819 0 0
U S BANCORP COM NEW 902973304 106,970 1,804,175 SH   DFND   1,507,486 610 296,079
MCCORMICK & CO COM NON VTG 579780206 249 1,465 SH   DFND   1,465 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 1,311 20,860 SH   DFND   20,860 0 0
ENERGY TRANSFER COM UT LTD PTN 29273V100 1,276 99,462 SH   DFND   99,462 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 647 12,065 SH   DFND   12,065 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 219,711 3,367,739 SH   DFND   3,300,881 0 66,858
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 288,110 5,359,195 SH   DFND   5,249,372 0 109,823
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,204 19,455 SH   DFND   19,130 0 325
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 66,087 204,451 SH   DFND   199,423 0 5,028
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 94,587 459,561 SH   DFND   448,451 0 11,110
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 176,742 2,107,834 SH   DFND   2,058,958 50 48,826
VANGUARD DIVIDEND DIV APP ETF 921908844 12,186 97,756 SH   DFND   97,756 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 433 5,008 SH   DFND   5,008 0 0
ISHARES EMERGING MKTS HI YIELD BD FD EM HGHYL BD ETF 464286285 212 4,488 SH   DFND   4,488 0 0
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,732 29,525 SH   DFND   29,525 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF EMRG MARKETS ETF 19762B509 376 16,025 SH   DFND   16,025 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 227 975 SH   DFND   975 0 0
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405 267 3,506 SH   DFND   3,506 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 24,451 480,194 SH   DFND   471,599 505 8,090
FNF GROUP FNF GROUP COM 31620R303 408 8,990 SH   DFND   8,990 0 0
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 9,830 223,094 SH   DFND   178,942 0 44,152
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 7,833 176,146 SH   DFND   176,100 0 46
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 750 12,798 SH   DFND   12,798 0 0
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 46,196 415,801 SH   DFND   404,342 0 11,459
GLOBAL X MLP & ENERGY INFRASTRUCTURE ETF GLB X MLP ENRG I 37950E226 1,714 139,580 SH   DFND   139,580 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,429 10,000 SH   DFND   10,000 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 228 1,252 SH   DFND   1,217 0 35
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 1,565 16,700 SH   DFND   16,700 0 0
ISHARES HIGH DIVIDEND EQUITY HIGH DIVIDND ETF 46429B663 7,102 72,415 SH   DFND   72,415 0 0
ISHARES TR IBOXX HI YD ETF 464288513 489 5,561 SH   DFND   5,561 0 0
ISHARES TR IBOXX INV CP ETF 464287242 908 7,097 SH   DFND   6,457 0 640
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 2,571 10,501 SH   DFND   10,501 0 0
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 70,992 1,020,299 SH   DFND   1,001,872 0 18,427
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 41,868 722,110 SH   DFND   708,613 788 12,709
WISDOMTREE DEFA FUND INTL EQUITY FD 97717W703 520 9,720 SH   DFND   9,720 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 1,203 35,823 SH   DFND   35,823 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 725 6,432 SH   DFND   6,432 0 0
WISDOMTREE JAPAN HEDGED EQUITY FUND JAPN HEDGE EQT 97717W851 3,330 61,916 SH   DFND   61,916 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 231 1,565 SH   DFND   1,565 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 45,893 424,702 SH   DFND   415,220 432 9,050
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 251 1,581 SH   DFND   1,574 0 7
VANGUARD MIDCAP VALUE ETF MCAP VL IDXVIP 922908512 369 3,093 SH   DFND   3,085 0 8
VANGUARD MID-CAP ETF MID CAP ETF 922908629 913 5,124 SH   DFND   5,124 0 0
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN INDEX FUND MSCI AC ASIA ETF 464288182 222 3,025 SH   DFND   3,025 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,149 14,494 SH   DFND   14,494 0 0
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 16,101 327,783 SH   DFND   271,388 125 56,270
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,416 20,396 SH   DFND   20,338 0 58
UNILEVER N V WI N Y SHS NEW 904784709 2,226 38,744 SH   DFND   21,509 0 17,235
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 312 2,742 SH   DFND   2,742 0 0
ALCON INC ORD SHS H01301128 217 3,843 SH   DFND   3,643 0 200
SPDR SP 500 VALUE PRTFLO S&P500 VL 78464A508 2,136 61,195 SH   DFND   61,195 0 0
VANGUARD REIT ETF REIT ETF 922908553 3,281 35,363 SH   DFND   35,363 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 300 1,683 SH   DFND   1,683 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 3,889 22,106 SH   DFND   22,106 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 1,532 11,223 SH   DFND   11,223 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 1,158 5,407 SH   DFND   5,407 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 357 3,771 SH   DFND   3,771 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 1,311 8,589 SH   DFND   8,589 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 2,621 43,959 SH   DFND   43,959 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 7,666 46,271 SH   DFND   46,271 0 0
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 330 1,750 SH   DFND   1,750 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 4,361 14,744 SH   DFND   14,744 0 0
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 1,181 6,097 SH   DFND   6,097 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 364 3,382 SH   DFND   3,382 0 0
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 221 928 SH   DFND   928 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 227 1,329 SH   DFND   1,329 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 218 1,100 SH   DFND   1,100 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 8,504 73,490 SH   DFND   73,490 0 0
SPDR FINANCIAL SELECT SBI INT-FINL 81369Y605 579 18,796 SH   DFND   18,796 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 878 13,588 SH   DFND   13,588 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 5,516 52,203 SH   DFND   52,203 0 0
ALLERGAN PLC SHS G0177J108 740 3,873 SH   DFND   3,873 0 0
EATON CORP, PLC SHS G29183103 11,896 125,590 SH   DFND   124,339 0 1,251
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 24,930 612,369 SH   DFND   607,936 0 4,433
MEDTRONIC PLC SHS G5960L103 84,943 748,725 SH   DFND   663,893 185 84,647
ACCENTURE LTD SHS CLASS A G1151C101 158,283 751,687 SH   DFND   611,717 200 139,770
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 501 9,969 SH   DFND   9,969 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 1,577 9,520 SH   DFND   9,520 0 0
ISHARES S&P SMALL CAP 600 VALUE INDEX FUND SP SMCP600VL ETF 464287879 3,511 21,832 SH   DFND   21,832 0 0
SAP SE SPONSORED ADR SPON ADR 803054204 814 6,075 SH   DFND   6,075 0 0
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 17,226 287,237 SH   DFND   283,901 0 3,336
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 2,170 12,885 SH   DFND   12,885 0 0
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 2,354 41,183 SH   DFND   41,183 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 2,332 39,544 SH   DFND   38,844 0 700
ANHEUSER-BUSCH INBEV SA ADR SPONSORED ADR 03524A108 271 3,300 SH   DFND   3,300 0 0
NOVARTIS AG - ADR SPONSORED ADR 66987V109 2,518 26,587 SH   DFND   25,587 0 1,000
BP PLC SPONSORED ADR 055622104 2,725 72,213 SH   DFND   72,213 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 16,603 353,338 SH   DFND   257,109 0 96,229
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 14,670 463,205 SH   DFND   457,803 357 5,045
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 304 3,318 SH   DFND   3,318 0 0
ISHARES BARCLAYS TIPS BOND FUND TIPS BD ETF 464287176 372 3,187 SH   DFND   3,187 0 0
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 34,069 208,223 SH   DFND   208,223 0 0
SPDR TR UNIT SER 1 TR UNIT 78462F103 39,311 122,138 SH   DFND   113,648 0 8,490
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 806 21,455 SH   DFND   21,455 0 0
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 1,006 4,730 SH   DFND   4,730 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 296 1,473 SH   DFND   1,473 0 0
ISHARES TR USA QUALITY FCTR 46432F339 273 2,705 SH   DFND   2,705 0 0
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 246 1,721 SH   DFND   1,721 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 2,027 5,399 SH   DFND   5,399 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 451 3,767 SH   DFND   3,722 0 45
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 16,402 294,524 SH   DFND   287,884 0 6,640
ISHARES TR SHRT NAT MUN ETF 464288158 389 3,646 SH   DFND   3,646 0 0
NUVEEN MASSACHUSETS QLT MUN COM 67061E104 391 27,500 SH   DFND   27,500 0 0
ISHARES TR CORE US AGGBD ET 464287226 394 3,510 SH   DFND   3,510 0 0
ISHARES TR US TREAS BD ETF 46429B267 410 15,818 SH   DFND   15,818 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 489 9,100 SH   DFND   9,100 0 0
VIACOMCBS INC CL B 92556H206 510 12,155 SH   DFND   12,155 0 0
HENRY JACK & ASSOC INC COM 426281101 574 3,943 SH   DFND   3,943 0 0
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479 738 14,037 SH   DFND   14,037 0 0
PUBLIC STORAGE COM 74460D109 814 3,820 SH   DFND   3,820 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 20,536 666,108 SH   DFND   635,248 0 30,860
ISHARES TR TRANS AVG ETF 464287192 33,329 170,429 SH   DFND   146,573 0 23,856
TRUIST FINANCIAL CORP COM 89832Q109 41,836 742,828 SH   DFND   736,492 0 6,336