0000950123-20-011496.txt : 20201112 0000950123-20-011496.hdr.sgml : 20201112 20201112161755 ACCESSION NUMBER: 0000950123-20-011496 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20200930 FILED AS OF DATE: 20201112 DATE AS OF CHANGE: 20201112 EFFECTIVENESS DATE: 20201112 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CITIZENS FINANCIAL GROUP INC/RI CENTRAL INDEX KEY: 0000759944 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 050412693 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 13F-HR SEC ACT: 1934 Act SEC FILE NUMBER: 028-05954 FILM NUMBER: 201306960 BUSINESS ADDRESS: STREET 1: 1 CITIZENS PLAZA CITY: PROVIDENCE STATE: RI ZIP: 02903 BUSINESS PHONE: 4014567000 MAIL ADDRESS: STREET 1: 1 CITIZENS PLAZA CITY: PROVIDENCE STATE: RI ZIP: 02903 13F-HR 1 primary_doc.xml 13F-HR LIVE 0000759944 XXXXXXXX 09-30-2020 09-30-2020 false Citizens Financial Group Inc/RI

1 Citizens Plaza Providence RI 02903

13F COMBINATION REPORT 028-05954 028-17246 Citizens Bank, National Association 028-19418 Clarfeld Financial Advisors, LLC N David H. Shore 781-364-1641 /s/ David H. Shore Canton MA 11-12-2020 2 351 1564372 false 1 028-17246 Citizens Bank, National Association 2 028-19418 Clarfeld Financial Advisors, LLC INFORMATION TABLE 2 1645.xml INFORMATION TABLE FOR FORM 13F 3M CO COM 88579Y101 295 1838 SH DFND 2 0 0 1838 3M CO COM 88579Y101 2507 15650 SH DFND 1 15650 0 0 ABBOTT LABS COM 002824100 317 2972 SH DFND 2 0 0 2972 ABBOTT LABS COM 002824100 2264 20801 SH DFND 1 20801 0 0 ABBVIE INC COM 00287Y109 1173 13391 SH DFND 1 13391 0 0 ABBVIE INC COM 00287Y109 373 4326 SH DFND 2 0 0 4326 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 9659 42740 SH DFND 1 42740 0 0 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 418 1880 SH DFND 2 0 0 1880 ACTIVISION BLIZZARD INC COM 00507V109 218 2781 SH DFND 2 0 0 2781 ADOBE SYS INC COM 00724F101 664 1386 SH DFND 2 0 0 1386 ADOBE SYS INC COM 00724F101 18424 37568 SH DFND 1 37568 0 0 AFLAC INC COM 001055102 305 8394 SH DFND 1 8394 0 0 AIR PRODS & CHEMS INC COM 009158106 835 2803 SH DFND 1 2803 0 0 ALIGN TECHNOLOGY INC COM 016255101 1244 3801 SH DFND 1 3801 0 0 ALPHABET INC CAP STK CL A 02079K305 959 659 SH DFND 2 0 0 659 ALPHABET INC CAP STK CL A 02079K305 19808 13515 SH DFND 1 13515 0 0 ALPHABET INC CAP STK CL C 02079K107 13122 8929 SH DFND 1 8929 0 0 ALPHABET INC CAP STK CL C 02079K107 1228 842 SH DFND 2 0 0 842 ALTRIA GROUP INC COM 02209S103 416 10754 SH DFND 1 10754 0 0 AMAZON COM INC COM 023135106 30916 9819 SH DFND 1 9819 0 0 AMAZON COM INC COM 023135106 3803 1217 SH DFND 2 0 0 1217 AMERICAN ELEC PWR INC COM 025537101 211 2586 SH DFND 1 2586 0 0 AMERICAN EXPRESS CO COM 025816109 264 2597 SH DFND 2 0 0 2597 AMERICAN EXPRESS CO COM 025816109 7028 70104 SH DFND 1 70104 0 0 AMERICAN TOWER CORP NEW COM 03027X100 7380 30528 SH DFND 1 30528 0 0 AMERIPRISE FINL INC COM 03076C106 327 2124 SH DFND 1 2124 0 0 AMGEN INC COM 031162100 14946 58804 SH DFND 1 58804 0 0 AMGEN INC COM 031162100 506 2062 SH DFND 2 0 0 2062 ANALOG DEVICES INC COM 032654105 238 2037 SH DFND 1 2037 0 0 AON PLC SHS CL A G0403H108 383 1864 SH DFND 2 0 0 1864 AON PLC SHS CL A G0403H108 6834 33128 SH DFND 1 33128 0 0 APPLE INC COM 037833100 7194 63654 SH DFND 2 0 0 63654 APPLE INC COM 037833100 73224 632279 SH DFND 1 632279 0 0 APPLIED MATLS INC COM 038222105 320 5505 SH DFND 2 0 0 5505 APPLIED MATLS INC COM 038222105 8061 135598 SH DFND 1 135598 0 0 APTARGROUP INC COM 038336103 564 4996 SH DFND 2 0 0 4996 AT&T INC COM 00206R102 4099 143762 SH DFND 1 143762 0 0 AT&T INC COM 00206R102 413 14400 SH DFND 2 0 0 14400 AUTOMATIC DATA PROCESSING IN COM 053015103 201 1448 SH DFND 2 0 0 1448 AUTOMATIC DATA PROCESSING IN COM 053015103 2695 19321 SH DFND 1 19321 0 0 AUTOZONE INC COM 053332102 601 510 SH DFND 1 510 0 0 BANK AMER CORP COM 060505104 560 23151 SH DFND 2 0 0 23151 BANK AMER CORP COM 060505104 9322 386958 SH DFND 1 386708 0 250 BECTON DICKINSON & CO COM 075887109 292 1256 SH DFND 1 1256 0 0 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 407 1928 SH DFND 2 0 0 1928 BERKSHIRE HATHAWAY INC DEL CL A 084670108 317 1 SH DFND 2 0 0 1 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1501 7048 SH DFND 1 7048 0 0 BIOGEN INC COM 09062X103 8302 29267 SH DFND 1 29267 0 0 BIOGEN INC COM 09062X103 342 1232 SH DFND 2 0 0 1232 BOEING CO COM 097023105 214 1271 SH DFND 2 0 0 1271 BOEING CO COM 097023105 3131 18943 SH DFND 1 18943 0 0 BOSTON SCIENTIFIC CORP COM 101137107 342 8946 SH DFND 1 8946 0 0 BRISTOL MYERS SQUIBB CO COM 110122108 1625 26957 SH DFND 1 26957 0 0 BRISTOL MYERS SQUIBB CO COM 110122108 309 5261 SH DFND 2 0 0 5261 BROADCOM INC COM 11135F101 223 625 SH DFND 2 0 0 625 CAPITAL ONE FINL CORP COM 14040H105 253 3522 SH DFND 1 3522 0 0 CATERPILLAR INC DEL COM 149123101 918 6155 SH DFND 1 6155 0 0 CDK GLOBAL INC COM 12508E101 316 7246 SH DFND 1 7246 0 0 CHEVRON CORP NEW COM 166764100 1567 21769 SH DFND 1 21519 0 250 CHEVRON CORP NEW COM 166764100 217 3042 SH DFND 2 0 0 3042 CHURCH & DWIGHT INC COM 171340102 286 3055 SH DFND 1 3055 0 0 CIGNA CORP NEW COM 125523100 1544 9115 SH DFND 1 9115 0 0 CINTAS CORP COM 172908105 10914 32791 SH DFND 1 32791 0 0 CINTAS CORP COM 172908105 224 668 SH DFND 2 0 0 668 CISCO SYS INC COM 17275R102 659 17229 SH DFND 2 0 0 17229 CISCO SYS INC COM 17275R102 8356 212143 SH DFND 1 212143 0 0 CITIGROUP INC COM NEW 172967424 550 12605 SH DFND 2 0 0 12605 CITIGROUP INC COM NEW 172967424 6204 143910 SH DFND 1 143910 0 0 CITIZENS FINL GROUP INC COM 174610105 1686 64325 SH DFND 2 0 0 64325 CLOROX CO DEL COM 189054109 975 4637 SH DFND 1 4637 0 0 COCA COLA CO COM 191216100 468 9478 SH DFND 2 0 0 9478 COCA COLA CO COM 191216100 2726 55220 SH DFND 1 55220 0 0 COLGATE PALMOLIVE CO COM 194162103 2309 29923 SH DFND 1 29923 0 0 COMCAST CORP NEW CL A 20030N101 584 12941 SH DFND 2 0 0 12941 COMCAST CORP NEW CL A 20030N101 9114 197008 SH DFND 1 197008 0 0 CONOCOPHILLIPS COM 20825C104 2189 66651 SH DFND 1 66201 0 450 CONSOLIDATED EDISON INC COM 209115104 515 6619 SH DFND 1 6619 0 0 COSTCO WHSL CORP NEW COM 22160K105 10749 30279 SH DFND 1 30279 0 0 COSTCO WHSL CORP NEW COM 22160K105 485 1366 SH DFND 2 0 0 1366 CSX CORP COM 126408103 266 3420 SH DFND 1 3420 0 0 CSX CORP COM 126408103 344 4453 SH DFND 2 0 0 4453 CVS HEALTH CORP COM 126650100 7779 133202 SH DFND 1 133202 0 0 CVS HEALTH CORP COM 126650100 455 7871 SH DFND 2 0 0 7871 D R HORTON INC COM 23331A109 7253 95901 SH DFND 1 95901 0 0 DANAHER CORP DEL COM 235851102 302 1422 SH DFND 2 0 0 1422 DANAHER CORP DEL COM 235851102 4084 18967 SH DFND 1 18967 0 0 DBX ETF TR XTRAK MSCI EAFE 233051200 828 26988 SH DFND 2 0 0 26988 DENTSPLY SIRONA INC COM 24906P109 231 5290 SH DFND 1 5290 0 0 DIGITAL RLTY TR INC COM 253868103 7272 49549 SH DFND 1 49549 0 0 DISNEY WALT CO COM DISNEY 254687106 2601 20962 SH DFND 1 20962 0 0 DISNEY WALT CO COM DISNEY 254687106 522 4258 SH DFND 2 0 0 4258 DOLLAR GEN CORP NEW COM 256677105 11653 55593 SH DFND 1 55593 0 0 DOLLAR GEN CORP NEW COM 256677105 340 1605 SH DFND 2 0 0 1605 DOMINION RES INC VA NEW COM 25746U109 6671 84522 SH DFND 1 84522 0 0 DOMINION RES INC VA NEW COM 25746U109 260 3254 SH DFND 2 0 0 3254 DOMINOS PIZZA INC COM 25754A201 443 1041 SH DFND 1 1041 0 0 DUKE ENERGY CORP NEW COM NEW 26441C204 2048 23127 SH DFND 1 23127 0 0 EAST RES ACQUISITION CO UNIT 07/01/2027 274681204 101 10000 SH DFND 1 10000 0 0 ECOLAB INC COM 278865100 1644 8225 SH DFND 1 8225 0 0 EDWARDS LIFESCIENCES CORP COM 28176E108 280 3555 SH DFND 2 0 0 3555 EDWARDS LIFESCIENCES CORP COM 28176E108 10481 131303 SH DFND 1 131303 0 0 ELECTRONIC ARTS INC COM 285512109 8181 62734 SH DFND 1 62734 0 0 ELECTRONIC ARTS INC COM 285512109 255 1978 SH DFND 2 0 0 1978 EMERSON ELEC CO COM 291011104 713 10869 SH DFND 1 10869 0 0 EXXON MOBIL CORP COM 30231G102 2775 80844 SH DFND 1 80844 0 0 FACEBOOK INC CL A 30303M102 1519 5845 SH DFND 2 0 0 5845 FACEBOOK INC CL A 30303M102 21899 83618 SH DFND 1 83618 0 0 FEDEX CORP COM 31428X106 392 1559 SH DFND 1 1559 0 0 FISERV INC COM 337738108 4065 39444 SH DFND 1 39444 0 0 GENERAL DYNAMICS CORP COM 369550108 524 3783 SH DFND 1 3783 0 0 GENERAL ELECTRIC CO COM 369604103 486 77953 SH DFND 1 77953 0 0 GENERAL MLS INC COM 370334104 550 8915 SH DFND 1 8915 0 0 GILEAD SCIENCES INC COM 375558103 1068 16895 SH DFND 1 16895 0 0 GLOBAL PMTS INC COM 37940X102 215 1208 SH DFND 1 1208 0 0 GLOBAL X FDS CLOUD COMPUTNG 37954Y442 209 8581 SH DFND 2 0 0 8581 GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 895 8939 SH DFND 2 0 0 8939 GRAINGER W W INC COM 384802104 732 2052 SH DFND 1 2052 0 0 HANESBRANDS INC COM 410345102 195 12360 SH DFND 1 12360 0 0 HCA HOLDINGS INC COM 40412C101 204 1603 SH DFND 2 0 0 1603 HCA HOLDINGS INC COM 40412C101 6700 53733 SH DFND 1 53733 0 0 HERSHEY CO COM 427866108 217 1515 SH DFND 2 0 0 1515 HERSHEY CO COM 427866108 7793 54364 SH DFND 1 54364 0 0 HOME DEPOT INC COM 437076102 902 3231 SH DFND 2 0 0 3231 HOME DEPOT INC COM 437076102 15496 55798 SH DFND 1 55798 0 0 HONEYWELL INTL INC COM 438516106 500 3020 SH DFND 2 0 0 3020 HONEYWELL INTL INC COM 438516106 12888 78297 SH DFND 1 78297 0 0 HOWMET AEROSPACE INC COM 443201108 318 19017 SH DFND 1 19017 0 0 ILLINOIS TOOL WKS INC COM 452308109 2075 10740 SH DFND 1 10740 0 0 INTEL CORP COM 458140100 788 15445 SH DFND 2 0 0 15445 INTEL CORP COM 458140100 7711 148913 SH DFND 1 148913 0 0 INTERCONTINENTAL EXCHANGE IN COM 45866F104 436 4360 SH DFND 1 4360 0 0 INTERNATIONAL BUSINESS MACHS COM 459200101 1302 10699 SH DFND 1 10699 0 0 INTUIT COM 461202103 631 1934 SH DFND 1 1934 0 0 INVESCO ACTIVELY MANAGD ETF TOTAL RETURN 46090A804 1424 24602 SH DFND 2 0 0 24602 INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 804 26524 SH DFND 2 0 0 26524 INVESCO QQQ TR UNIT SER 1 46090E103 213 776 SH DFND 2 0 0 776 ISHARES EM MK MINVOL ETF 464286533 916 16600 SH DFND 2 0 0 16600 ISHARES GOLD TRUST ISHARES 464285105 297 16407 SH DFND 2 0 0 16407 ISHARES GOLD TRUST ISHARES 464285105 293 16311 SH DFND 1 16311 0 0 ISHARES INC ESG MSCI EM ETF 46434G863 778 21862 SH DFND 2 0 0 21862 ISHARES INC CORE MSCI EMKT 46434G103 17082 323531 SH DFND 1 323531 0 0 ISHARES INC CORE MSCI EMKT 46434G103 12617 239644 SH DFND 2 0 0 239644 ISHARES TR IBOXX HI YD ETF 464288513 556 6637 SH DFND 2 0 0 6637 ISHARES TR RUS 1000 GRW ETF 464287614 421 1958 SH DFND 2 0 0 1958 ISHARES TR CORE US AGGBD ET 464287226 1036 8786 SH DFND 2 0 0 8786 ISHARES TR MSCI EMG MKT ETF 464287234 6948 157948 SH DFND 2 0 0 157948 ISHARES TR CORE MSCI EAFE 46432F842 30688 506570 SH DFND 2 0 0 506570 ISHARES TR EAFE SML CP ETF 464288273 1419 23924 SH DFND 2 0 0 23924 ISHARES TR MSCI EAFE ETF 464287465 5187 81193 SH DFND 2 0 0 81193 ISHARES TR IBOXX INV CP ETF 464287242 336 2496 SH DFND 2 0 0 2496 ISHARES TR EAFE MIN VOL ETF 46429B689 236 3443 SH DFND 2 0 0 3443 ISHARES TR CORE S&P MCP ETF 464287507 13638 71945 SH DFND 2 0 0 71945 ISHARES TR CORE S&P500 ETF 464287200 43161 128432 SH DFND 1 128432 0 0 ISHARES TR U.S. PFD STK ETF 464288687 493 13532 SH DFND 1 13532 0 0 ISHARES TR CORE MSCI INTL 46435G326 4843 89428 SH DFND 2 0 0 89428 ISHARES TR ESG MSCI USA SML 46435U663 248 9166 SH DFND 2 0 0 9166 ISHARES TR SELECT DIVID ETF 464287168 2328 28191 SH DFND 2 0 0 28191 ISHARES TR ESG MSCI EAFE 46435G516 228 3579 SH DFND 2 0 0 3579 ISHARES TR RUS 1000 GRW ETF 464287614 703 3240 SH DFND 1 3240 0 0 ISHARES TR CORE US AGGBD ET 464287226 763 6465 SH DFND 1 6465 0 0 ISHARES TR CORE US TR BD 46429B267 9350 334528 SH DFND 1 334528 0 0 ISHARES TR EAFE GRWTH ETF 464288885 458 5093 SH DFND 1 5093 0 0 ISHARES TR IBOXX INV CP ETF 464287242 2977 22097 SH DFND 1 22097 0 0 ISHARES TR INTL SEL DIV ETF 464288448 326 13080 SH DFND 1 13080 0 0 ISHARES TR JP MOR EM MK ETF 464288281 1522 13725 SH DFND 1 13725 0 0 ISHARES TR MSCI EAFE ETF 464287465 32086 504102 SH DFND 1 504102 0 0 ISHARES TR CORE S&P SCP ETF 464287804 2051 29199 SH DFND 1 29199 0 0 ISHARES TR NASDQ BIOTEC ETF 464287556 556 4105 SH DFND 1 4105 0 0 ISHARES TR CORE S&P MCP ETF 464287507 39613 213766 SH DFND 1 213766 0 0 ISHARES TR RUS 1000 VAL ETF 464287598 228 1929 SH DFND 1 1929 0 0 ISHARES TR RUS MID-CAP ETF 464287499 2864 49921 SH DFND 1 49921 0 0 ISHARES TR RUSSELL 2000 ETF 464287655 3710 24770 SH DFND 1 24770 0 0 ISHARES TR S&P 500 GRWT ETF 464287309 8559 37038 SH DFND 1 37038 0 0 ISHARES TR S&P 500 VAL ETF 464287408 1066 9481 SH DFND 1 9481 0 0 ISHARES TR SELECT DIVID ETF 464287168 608 7462 SH DFND 1 7462 0 0 ISHARES TR USA MIN VOL ETF 46429B697 4076 63959 SH DFND 1 63959 0 0 ISHARES TR AGENCY BOND ETF 464288166 252 2081 SH DFND 1 2081 0 0 ISHARES TR MSCI EMG MKT ETF 464287234 611 13860 SH DFND 1 13860 0 0 ISHARES TR S&P MC 400VL ETF 464287705 417 3006 SH DFND 2 0 0 3006 ISHARES TR CORE MSCI EAFE 46432F842 25923 430051 SH DFND 1 430051 0 0 ISHARES TR 7-10 Y TR BD ETF 464287440 1516 12445 SH DFND 1 12445 0 0 ISHARES TR S&P 500 GRWT ETF 464287309 4202 18310 SH DFND 2 0 0 18310 ISHARES TR CORE S&P500 ETF 464287200 30216 90183 SH DFND 2 0 0 90183 ISHARES TR S&P MC 400GR ETF 464287606 387 1591 SH DFND 2 0 0 1591 ISHARES TR SP SMCP600GR ETF 464287887 333 1854 SH DFND 2 0 0 1854 ISHARES TR SP SMCP600VL ETF 464287879 335 2650 SH DFND 2 0 0 2650 ISHARES TR RUS 2000 VAL ETF 464287630 222 2165 SH DFND 2 0 0 2165 ISHARES TR USA MIN VOL ETF 46429B697 6627 103960 SH DFND 2 0 0 103960 ISHARES TR RUS 1000 ETF 464287622 353 1890 SH DFND 2 0 0 1890 ISHARES TR RUS 1000 VAL ETF 464287598 720 6066 SH DFND 2 0 0 6066 ISHARES TR 1-3 YR TR BD ETF 464287457 1479 17101 SH DFND 1 17101 0 0 ISHARES TR S&P 500 VAL ETF 464287408 3781 33517 SH DFND 2 0 0 33517 ISHARES TR RUSSELL 2000 ETF 464287655 20661 135174 SH DFND 2 0 0 135174 ISHARES TR CORE US TR BD 46429B267 443 15885 SH DFND 2 0 0 15885 JOHNSON & JOHNSON COM 478160104 19638 131902 SH DFND 1 131902 0 0 JOHNSON & JOHNSON COM 478160104 1423 9732 SH DFND 2 0 0 9732 JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 6851 135005 SH DFND 2 0 0 135005 JPMORGAN CHASE & CO COM 46625H100 1065 10880 SH DFND 2 0 0 10880 JPMORGAN CHASE & CO COM 46625H100 5303 55081 SH DFND 1 55081 0 0 KIMBERLY CLARK CORP COM 494368103 356 2413 SH DFND 2 0 0 2413 KIMBERLY CLARK CORP COM 494368103 6482 43900 SH DFND 1 43900 0 0 L3HARRIS TECHNOLOGIES INC COM 502431109 6895 40600 SH DFND 1 40600 0 0 LILLY ELI & CO COM 532457108 9258 62549 SH DFND 1 62549 0 0 LILLY ELI & CO COM 532457108 600 4129 SH DFND 2 0 0 4129 LINDE PLC COM G5494J103 8469 35565 SH DFND 1 35565 0 0 LINDE PLC COM G5494J103 246 1060 SH DFND 2 0 0 1060 LOCKHEED MARTIN CORP COM 539830109 251 655 SH DFND 1 655 0 0 LOWES COS INC COM 548661107 323 1940 SH DFND 2 0 0 1940 LOWES COS INC COM 548661107 2067 12464 SH DFND 1 12464 0 0 MARRIOTT INTL INC NEW CL A 571903202 372 4014 SH DFND 1 4014 0 0 MARSH & MCLENNAN COS INC COM 571748102 248 2164 SH DFND 2 0 0 2164 MARSH & MCLENNAN COS INC COM 571748102 10055 87660 SH DFND 1 87660 0 0 MASTERCARD INC CL A 57636Q104 1003 2965 SH DFND 1 2965 0 0 MASTERCARD INC CL A 57636Q104 747 2205 SH DFND 2 0 0 2205 MCDONALDS CORP COM 580135101 3634 16555 SH DFND 1 16555 0 0 MCDONALDS CORP COM 580135101 253 1136 SH DFND 2 0 0 1136 MEDTRONIC PLC SHS G5960L103 491 4729 SH DFND 1 4729 0 0 MERCK & CO INC NEW COM 58933Y105 644 7968 SH DFND 2 0 0 7968 MERCK & CO INC NEW COM 58933Y105 1637 19729 SH DFND 1 19729 0 0 MICROSOFT CORP COM 594918104 6406 31067 SH DFND 2 0 0 31067 MICROSOFT CORP COM 594918104 58947 280260 SH DFND 1 280260 0 0 MONDELEZ INTL INC CL A 609207105 421 7330 SH DFND 1 7330 0 0 MONDELEZ INTL INC CL A 609207105 255 4478 SH DFND 2 0 0 4478 MONSTER BEVERAGE CORP NEW COM 61174X109 250 3122 SH DFND 1 3122 0 0 MOODYS CORP COM 615369105 290 1000 SH DFND 1 1000 0 0 MORGAN STANLEY COM NEW 617446448 204 4255 SH DFND 2 0 0 4255 MOTOROLA SOLUTIONS INC COM NEW 620076307 5141 32788 SH DFND 1 32788 0 0 NETFLIX INC COM 64110L106 532 1058 SH DFND 2 0 0 1058 NEXTERA ENERGY INC COM 65339F101 1075 3825 SH DFND 2 0 0 3825 NEXTERA ENERGY INC COM 65339F101 17541 63197 SH DFND 1 63197 0 0 NIKE INC CL B 654106103 677 5345 SH DFND 2 0 0 5345 NIKE INC CL B 654106103 20186 160790 SH DFND 1 160790 0 0 NITED BANKSHARES INC WEST V COM 909907107 237 11053 SH DFND 1 11053 0 0 NITED PARCEL SERVICE INC CL B 911312106 492 2946 SH DFND 2 0 0 2946 NITED PARCEL SERVICE INC CL B 911312106 11958 71761 SH DFND 1 71761 0 0 NORDIC AMERICAN TANKERS LIMI COM G65773106 41 11723 SH DFND 1 11723 0 0 NORFOLK SOUTHERN CORP COM 655844108 1017 4752 SH DFND 1 4752 0 0 NORTHROP GRUMMAN CORP COM 666807102 886 2808 SH DFND 1 2808 0 0 NVIDIA CORP COM 67066G104 12637 23349 SH DFND 1 23349 0 0 NVIDIA CORP COM 67066G104 1022 1955 SH DFND 2 0 0 1955 ORACLE CORP COM 68389X105 12795 214318 SH DFND 1 214318 0 0 ORACLE CORP COM 68389X105 899 15279 SH DFND 2 0 0 15279 PAYPAL HLDGS INC COM 70450Y103 700 3648 SH DFND 2 0 0 3648 PAYPAL HLDGS INC COM 70450Y103 12426 63065 SH DFND 1 63065 0 0 PEPSICO INC COM 713448108 13406 96724 SH DFND 1 96724 0 0 PEPSICO INC COM 713448108 582 4215 SH DFND 2 0 0 4215 PFIZER INC COM 717081103 503 13826 SH DFND 2 0 0 13826 PFIZER INC COM 717081103 2098 57158 SH DFND 1 57158 0 0 PHILIP MORRIS INTL INC COM 718172109 289 3884 SH DFND 2 0 0 3884 PHILIP MORRIS INTL INC COM 718172109 609 8115 SH DFND 1 8115 0 0 PNC FINL SVCS GROUP INC COM 693475105 6768 61580 SH DFND 1 61580 0 0 PPG INDS INC COM 693506107 839 6876 SH DFND 1 6876 0 0 PROCTER & GAMBLE CO COM 742718109 691 5002 SH DFND 2 0 0 5002 PROCTER & GAMBLE CO COM 742718109 4112 29587 SH DFND 1 29587 0 0 PROGRESSIVE CORP OHIO COM 743315103 545 5780 SH DFND 2 0 0 5780 PROGRESSIVE CORP OHIO COM 743315103 11033 116546 SH DFND 1 116546 0 0 PUTNAM MASTER INTER INCOME T SH BEN INT 746909100 68 16476 SH DFND 1 16476 0 0 PUTNAM PREMIER INCOME TR SH BEN INT 746853100 212 47713 SH DFND 1 47713 0 0 QUALCOMM INC COM 747525103 276 2388 SH DFND 2 0 0 2388 RAYTHEON TECHNOLOGIES CORP COM 75513E101 1019 17705 SH DFND 1 17705 0 0 RAYTHEON TECHNOLOGIES CORP COM 75513E101 359 6055 SH DFND 2 0 0 6055 S&P GLOBAL INC COM 78409V104 4184 11602 SH DFND 1 11602 0 0 SALESFORCE COM INC COM 79466L302 275 1109 SH DFND 2 0 0 1109 SCHEIN HENRY INC COM 806407102 407 6922 SH DFND 1 6922 0 0 SCHWAB CHARLES CORP NEW COM 808513105 6248 172455 SH DFND 1 172455 0 0 SCHWAB CHARLES CORP NEW COM 808513105 200 5303 SH DFND 2 0 0 5303 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1024 18175 SH DFND 2 0 0 18175 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1009 14463 SH DFND 2 0 0 14463 SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1456 22880 SH DFND 1 22880 0 0 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 388 3374 SH DFND 2 0 0 3374 SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 242 4070 SH DFND 1 4070 0 0 SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 478 16313 SH DFND 2 0 0 16313 SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 205 1968 SH DFND 2 0 0 1968 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 325 2784 SH DFND 1 2784 0 0 SHERWIN WILLIAMS CO COM 824348106 916 1314 SH DFND 1 1314 0 0 SOUTHERN CO COM 842587107 737 13597 SH DFND 1 13597 0 0 SPDR GOLD TRUST GOLD SHS 78463V107 579 3243 SH DFND 2 0 0 3243 SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 1788 74341 SH DFND 1 74341 0 0 SPDR S&P 500 ETF TR TR UNIT 78462F103 4336 12988 SH DFND 2 0 0 12988 SPDR S&P 500 ETF TR TR UNIT 78462F103 41716 124566 SH DFND 1 124566 0 0 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 605 1745 SH DFND 2 0 0 1745 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 26749 78944 SH DFND 1 78944 0 0 SPDR SERIES TRUST S&P DIVID ETF 78464A763 222 2378 SH DFND 2 0 0 2378 SPDR SERIES TRUST S&P METALS MNG 78464A755 307 12781 SH DFND 2 0 0 12781 SPDR SERIES TRUST S&P 500 VALUE 78464A508 371 12253 SH DFND 2 0 0 12253 SPDR SERIES TRUST NUV HGHYLD MUN 78464A284 242 4260 SH DFND 1 4260 0 0 SPDR SERIES TRUST S&P 500 GROWTH 78464A409 2184 43892 SH DFND 2 0 0 43892 SPDR SERIES TRUST DJ REIT ETF 78464A607 558 6831 SH DFND 2 0 0 6831 SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 470 9546 SH DFND 2 0 0 9546 SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 973 44585 SH DFND 1 44585 0 0 STARBUCKS CORP COM 855244109 992 11541 SH DFND 1 11541 0 0 STARBUCKS CORP COM 855244109 210 2425 SH DFND 2 0 0 2425 STRYKER CORP COM 863667101 7874 37786 SH DFND 1 37786 0 0 STRYKER CORP COM 863667101 290 1393 SH DFND 2 0 0 1393 SYSCO CORP COM 871829107 573 9211 SH DFND 1 9211 0 0 TARGET CORP COM 87612E106 10462 66458 SH DFND 1 66458 0 0 TARGET CORP COM 87612E106 496 3115 SH DFND 2 0 0 3115 TELEFLEX INC COM 879369106 315 925 SH DFND 1 925 0 0 TEXAS INSTRS INC COM 882508104 627 4443 SH DFND 2 0 0 4443 TEXAS INSTRS INC COM 882508104 14303 100170 SH DFND 1 100170 0 0 THERMO FISHER SCIENTIFIC INC COM 883556102 686 1576 SH DFND 2 0 0 1576 THERMO FISHER SCIENTIFIC INC COM 883556102 22837 51723 SH DFND 1 51723 0 0 TJX COS INC NEW COM 872540109 1689 30343 SH DFND 1 30343 0 0 TRACTOR SUPPLY CO COM 892356106 303 2113 SH DFND 1 2113 0 0 TRAVELERS COMPANIES INC COM 89417E109 217 1998 SH DFND 2 0 0 1998 TYSON FOODS INC CL A 902494103 4723 79411 SH DFND 1 79411 0 0 UNION PAC CORP COM 907818108 9409 47791 SH DFND 1 47791 0 0 UNION PAC CORP COM 907818108 595 3029 SH DFND 2 0 0 3029 UNITEDHEALTH GROUP INC COM 91324P102 1096 3513 SH DFND 2 0 0 3513 UNITEDHEALTH GROUP INC COM 91324P102 19712 63227 SH DFND 1 63227 0 0 US BANCORP DEL COM NEW 902973304 508 14173 SH DFND 1 14173 0 0 VANECK VECTORS ETF TR AGRIBUSINESS ETF 92189F700 533 7991 SH DFND 2 0 0 7991 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 27135 88467 SH DFND 2 0 0 88467 VANGUARD INDEX FDS REIT ETF 922908553 6678 84580 SH DFND 1 84580 0 0 VANGUARD INDEX FDS GROWTH ETF 922908736 2062 9114 SH DFND 2 0 0 9114 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 376 3657 SH DFND 2 0 0 3657 VANGUARD INDEX FDS LARGE CAP ETF 922908637 4495 28801 SH DFND 2 0 0 28801 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 34054 110690 SH DFND 1 110690 0 0 VANGUARD INDEX FDS REIT ETF 922908553 7450 90935 SH DFND 2 0 0 90935 VANGUARD INDEX FDS SMALL CP ETF 922908751 6915 44104 SH DFND 2 0 0 44104 VANGUARD INDEX FDS SM CP VAL ETF 922908611 266 2343 SH DFND 2 0 0 2343 VANGUARD INDEX FDS SML CP GRW ETF 922908595 237 1093 SH DFND 2 0 0 1093 VANGUARD INDEX FDS VALUE ETF 922908744 11275 107711 SH DFND 2 0 0 107711 VANGUARD INDEX FDS VALUE ETF 922908744 639 6115 SH DFND 1 6115 0 0 VANGUARD INDEX FDS TOTAL STK MKT 922908769 217 1274 SH DFND 1 1274 0 0 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 362 1996 SH DFND 2 0 0 1996 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1141 22556 SH DFND 2 0 0 22556 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1484 34410 SH DFND 2 0 0 34410 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7336 145412 SH DFND 1 145412 0 0 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 888 20531 SH DFND 1 20531 0 0 VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 569 4610 SH DFND 2 0 0 4610 VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 8682 159980 SH DFND 1 159980 0 0 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4705 56788 SH DFND 1 56788 0 0 VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 230 4246 SH DFND 2 0 0 4246 VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 1573 12239 SH DFND 2 0 0 12239 VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 579 14101 SH DFND 2 0 0 14101 VERIZON COMMUNICATIONS INC COM 92343V104 788 13304 SH DFND 2 0 0 13304 VERIZON COMMUNICATIONS INC COM 92343V104 14578 245051 SH DFND 1 245051 0 0 VISA INC COM CL A 92826C839 1050 5210 SH DFND 2 0 0 5210 VISA INC COM CL A 92826C839 21731 108670 SH DFND 1 108670 0 0 VULCAN MATLS CO COM 929160109 5788 42699 SH DFND 1 42699 0 0 WAL-MART STORES INC COM 931142103 13314 95161 SH DFND 1 95161 0 0 WAL-MART STORES INC COM 931142103 770 5478 SH DFND 2 0 0 5478 WASTE MGMT INC DEL COM 94106L109 8423 74431 SH DFND 1 74431 0 0 WASTE MGMT INC DEL COM 94106L109 318 2792 SH DFND 2 0 0 2792 WEC ENERGY GROUP INC COM 92939U106 482 4975 SH DFND 1 4975 0 0 WELLS FARGO & CO NEW COM 949746101 444 18904 SH DFND 1 18904 0 0 WISDOMTREE TR MIDCAP DIVI FD 97717W505 521 18012 SH DFND 1 18012 0 0 YUM BRANDS INC COM 988498101 557 6101 SH DFND 1 6101 0 0 ZOETIS INC CL A 98978V103 9738 58884 SH DFND 1 58884 0 0 ZOETIS INC CL A 98978V103 315 1929 SH DFND 2 0 0 1929