0000950123-21-001670.txt : 20210211 0000950123-21-001670.hdr.sgml : 20210211 20210211162208 ACCESSION NUMBER: 0000950123-21-001670 CONFORMED SUBMISSION TYPE: 13F-HR PUBLIC DOCUMENT COUNT: 2 CONFORMED PERIOD OF REPORT: 20201231 FILED AS OF DATE: 20210211 DATE AS OF CHANGE: 20210211 EFFECTIVENESS DATE: 20210211 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: 21619973 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 12-31-2020 12-31-2020 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 02-11-2021 2 412 1745243 false 1 028-17246 Citizens Bank, National Association 2 028-19418 Clarfeld Financial Advisors, LLC INFORMATION TABLE 2 2773.xml INFORMATION TABLE FOR FORM 13F 3M CO COM 88579Y101 2720 15561 SH DFND 1 15561 0 15561 ABBOTT LABS COM 002824100 353 3225 SH DFND 2 0 0 3225 ABBOTT LABS COM 002824100 2060 18818 SH DFND 1 18818 0 18818 ABBVIE INC COM 00287Y109 306 2854 SH DFND 2 0 0 2854 ABBVIE INC COM 00287Y109 1373 12812 SH DFND 1 12812 0 12812 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1565 5991 SH DFND 2 0 0 5991 ACCENTURE PLC IRELAND SHS CLASS A G1151C101 10622 40663 SH DFND 1 40663 0 40663 ACTIVISION BLIZZARD INC COM 00507V109 296 3190 SH DFND 2 0 0 3190 ADOBE SYS INC COM 00724F101 1160 2319 SH DFND 2 0 0 2319 ADOBE SYS INC COM 00724F101 14039 28071 SH DFND 1 28071 0 28071 AFLAC INC COM 001055102 368 8266 SH DFND 1 8266 0 8266 AIR PRODS & CHEMS INC COM 009158106 765 2800 SH DFND 1 2800 0 2800 ALIGN TECHNOLOGY INC COM 016255101 2015 3771 SH DFND 1 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CAPITAL ONE FINL CORP COM 14040H105 347 3508 SH DFND 1 3508 0 3508 CATERPILLAR INC DEL COM 149123101 1039 5710 SH DFND 1 5710 0 5710 CBRE GROUP INC CL A 12504L109 200 3190 SH DFND 2 0 0 3190 CDK GLOBAL INC COM 12508E101 374 7213 SH DFND 1 7213 0 7213 CHARTER COMMUNICATIONS INC N CL A 16119P108 390 590 SH DFND 2 0 0 590 CHEVRON CORP NEW COM 166764100 1747 20692 SH DFND 1 20442 0 20692 CHUBB LIMITED COM H1467J104 373 2423 SH DFND 2 0 0 2423 CHURCH & DWIGHT INC COM 171340102 250 2870 SH DFND 1 2870 0 2870 CIGNA CORP NEW COM 125523100 1883 9047 SH DFND 1 9047 0 9047 CIGNA CORP NEW COM 125523100 274 1318 SH DFND 2 0 0 1318 CINTAS CORP COM 172908105 11305 31984 SH DFND 1 31984 0 31984 CINTAS CORP COM 172908105 305 862 SH DFND 2 0 0 862 CISCO SYS INC COM 17275R102 490 10949 SH DFND 2 0 0 10949 CISCO SYS INC COM 17275R102 9280 207369 SH DFND 1 207369 0 207369 CITIGROUP INC COM NEW 172967424 2672 43327 SH DFND 1 43327 0 43327 CITIGROUP INC COM NEW 172967424 1200 19462 SH DFND 2 0 0 19462 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279 3230 SH DFND 2 0 0 3230 EXXON MOBIL CORP COM 30231G102 3167 76843 SH DFND 1 76843 0 76843 EXXON MOBIL CORP COM 30231G102 260 6308 SH DFND 2 0 0 6308 FACEBOOK INC CL A 30303M102 22423 82089 SH DFND 1 82089 0 82089 FACEBOOK INC CL A 30303M102 2110 7723 SH DFND 2 0 0 7723 FEDEX CORP COM 31428X106 402 1547 SH DFND 1 1547 0 1547 FISERV INC COM 337738108 4397 38618 SH DFND 1 38618 0 38618 FORD MTR CO DEL COM PAR $0.01 345370860 7300 830461 SH DFND 1 830461 0 830461 FORD MTR CO DEL COM PAR $0.01 345370860 202 22945 SH DFND 2 0 0 22945 GENERAL DYNAMICS CORP COM 369550108 505 3393 SH DFND 1 3393 0 3393 GENERAL ELECTRIC CO COM 369604103 834 77268 SH DFND 1 77268 0 77268 GENERAL ELECTRIC CO COM 369604103 886 82058 SH DFND 2 0 0 82058 GENERAL MLS INC COM 370334104 360 6119 SH DFND 1 6119 0 6119 GENERAL MLS INC COM 370334104 232 3951 SH DFND 2 0 0 3951 GILEAD SCIENCES INC COM 375558103 983 16875 SH DFND 1 16875 0 16875 GLOBAL PMTS INC COM 37940X102 260 1208 SH DFND 1 1208 0 1208 GLOBAL X FDS CLOUD COMPUTNG 37954Y442 239 8581 SH DFND 2 0 0 8581 GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 895 8939 SH DFND 2 0 0 8939 GOLDMAN SACHS GROUP INC COM 38141G104 348 1320 SH DFND 2 0 0 1320 GRAINGER W W INC COM 384802104 838 2052 SH DFND 1 2052 0 2052 HANESBRANDS INC COM 410345102 180 12360 SH DFND 1 12360 0 12360 HCA HOLDINGS INC COM 40412C101 325 1976 SH DFND 2 0 0 1976 HCA HOLDINGS INC COM 40412C101 8667 52699 SH DFND 1 52699 0 52699 HERSHEY CO COM 427866108 530 3481 SH DFND 2 0 0 3481 HERSHEY CO COM 427866108 8105 53205 SH DFND 1 53205 0 53205 HEWLETT PACKARD ENTERPRISE C COM 42824C109 161 13553 SH DFND 2 0 0 13553 HOME DEPOT INC COM 437076102 864 3253 SH DFND 2 0 0 3253 HOME DEPOT INC COM 437076102 14510 54627 SH DFND 1 54627 0 54627 HONEYWELL INTL INC COM 438516106 560 2634 SH DFND 2 0 0 2634 HONEYWELL INTL INC COM 438516106 16165 76001 SH DFND 1 76001 0 76001 HOWMET AEROSPACE INC COM 443201108 271 9509 SH DFND 1 9509 0 9509 HP INC COM 40434L105 264 10739 SH DFND 2 0 0 10739 HUMANA INC COM 444859102 327 796 SH DFND 2 0 0 796 IDEXX LABS INC COM 45168D104 281 563 SH DFND 2 0 0 563 IHS MARKIT LTD SHS G47567105 410 4563 SH DFND 2 0 0 4563 ILLINOIS TOOL WKS INC COM 452308109 2176 10673 SH DFND 1 10673 0 10673 ILLINOIS TOOL WKS INC COM 452308109 444 2180 SH DFND 2 0 0 2180 INTEL CORP COM 458140100 715 14361 SH DFND 2 0 0 14361 INTEL CORP COM 458140100 1470 29495 SH DFND 1 29495 0 29495 INTERCONTINENTAL EXCHANGE IN COM 45866F104 503 4360 SH DFND 1 4360 0 4360 INTERNATIONAL BUSINESS MACHS COM 459200101 1392 11054 SH DFND 1 11054 0 11054 INTERNATIONAL BUSINESS MACHS COM 459200101 301 2392 SH DFND 2 0 0 2392 INTERPUBLIC GROUP COS INC COM 460690100 313 13297 SH DFND 2 0 0 13297 INTUIT COM 461202103 259 681 SH DFND 2 0 0 681 INTUIT COM 461202103 735 1934 SH DFND 1 1934 0 1934 INVESCO ACTIVELY MANAGD ETF TOTAL RETURN 46090A804 1421 24640 SH DFND 2 0 0 24640 INVESCO DB COMMDY INDX TRCK UNIT 46138B103 222 15082 SH DFND 2 0 0 15082 INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 873 26562 SH DFND 2 0 0 26562 INVESCO QQQ TR UNIT SER 1 46090E103 309 984 SH DFND 2 0 0 984 ISHARES EM MK MINVOL ETF 464286533 1016 16635 SH DFND 2 0 0 16635 ISHARES GOLD TRUST ISHARES 464285105 272 15025 SH DFND 2 0 0 15025 ISHARES INC CORE MSCI EMKT 46434G103 16080 259180 SH DFND 2 0 0 259180 ISHARES INC CORE MSCI EMKT 46434G103 19521 314650 SH DFND 1 314650 0 314650 ISHARES INC ESG MSCI EM ETF 46434G863 935 22273 SH DFND 2 0 0 22273 ISHARES TR S&P 500 VAL ETF 464287408 1214 9481 SH DFND 1 9481 0 9481 ISHARES TR IBOXX INV CP ETF 464287242 303 2196 SH DFND 2 0 0 2196 ISHARES TR S&P 500 GRWT ETF 464287309 9439 147900 SH DFND 1 147900 0 147900 ISHARES TR RUS 1000 VAL ETF 464287598 829 6066 SH DFND 2 0 0 6066 ISHARES TR CORE US AGGBD ET 464287226 764 6465 SH DFND 1 6465 0 6465 ISHARES TR MSCI EMG MKT ETF 464287234 716 13860 SH DFND 1 13860 0 13860 ISHARES TR RUS MID-CAP ETF 464287499 3328 48545 SH DFND 1 48545 0 48545 ISHARES TR RUS 1000 VAL ETF 464287598 250 1826 SH DFND 1 1826 0 1826 ISHARES TR RUS 1000 GRW ETF 464287614 698 2894 SH DFND 1 2894 0 2894 ISHARES TR NASDQ BIOTEC ETF 464287556 622 4105 SH DFND 1 4105 0 4105 ISHARES TR RUS 1000 ETF 464287622 400 1890 SH DFND 2 0 0 1890 ISHARES TR RUSSELL 2000 ETF 464287655 4803 24500 SH DFND 1 24500 0 24500 ISHARES TR CORE S&P500 ETF 464287200 47877 127540 SH DFND 1 127540 0 127540 ISHARES TR MSCI EAFE ETF 464287465 36325 497870 SH DFND 1 497870 0 497870 ISHARES TR JP MOR EM MK ETF 464288281 1572 13560 SH DFND 1 13560 0 13560 ISHARES TR RUS 2000 VAL ETF 464287630 285 2165 SH DFND 2 0 0 2165 ISHARES TR ESG MSCI USA ETF 46435G425 210 2446 SH DFND 2 0 0 2446 ISHARES TR SELECT DIVID ETF 464287168 2724 28324 SH DFND 2 0 0 28324 ISHARES TR CORE S&P MCP ETF 464287507 18248 79398 SH DFND 2 0 0 79398 ISHARES TR RUSSELL 2000 ETF 464287655 26923 137320 SH DFND 2 0 0 137320 ISHARES TR 1-3 YR TR BD ETF 464287457 1337 15478 SH DFND 1 15478 0 15478 ISHARES TR 7-10 Y TR BD ETF 464287440 1280 10670 SH DFND 1 10670 0 10670 ISHARES TR AGENCY BOND ETF 464288166 226 1892 SH DFND 1 1892 0 1892 ISHARES TR CORE MSCI EAFE 46432F842 29108 421305 SH DFND 1 421305 0 421305 ISHARES TR CORE S&P MCP ETF 464287507 48174 209608 SH DFND 1 209608 0 209608 ISHARES TR CORE S&P SCP ETF 464287804 2551 27753 SH DFND 1 27753 0 27753 ISHARES TR ESG MSCI USA SML 46435U663 322 9431 SH DFND 2 0 0 9431 ISHARES TR USA MIN VOL ETF 46429B697 7138 105152 SH DFND 2 0 0 105152 ISHARES TR CORE US TR BD 46429B267 384 14089 SH DFND 2 0 0 14089 ISHARES TR U.S. PFD STK ETF 464288687 521 13532 SH DFND 1 13532 0 13532 ISHARES TR SELECT DIVID ETF 464287168 718 7462 SH DFND 1 7462 0 7462 ISHARES TR USA MIN VOL ETF 46429B697 3877 57114 SH DFND 1 57114 0 57114 ISHARES TR ESG AWR US AGRGT 46435U549 212 3749 SH DFND 1 3749 0 3749 ISHARES TR EAFE GRWTH ETF 464288885 497 4921 SH DFND 1 4921 0 4921 ISHARES TR EAFE MIN VOL ETF 46429B689 253 3443 SH DFND 2 0 0 3443 ISHARES TR MBS ETF 464288588 216 1958 SH DFND 2 0 0 1958 ISHARES TR ESG MSCI EAFE 46435G516 293 4009 SH DFND 2 0 0 4009 ISHARES TR MSCI EAFE ETF 464287465 6055 82996 SH DFND 2 0 0 82996 ISHARES TR S&P 500 GRWT ETF 464287309 4745 74343 SH DFND 2 0 0 74343 ISHARES TR MSCI EMG MKT ETF 464287234 8377 162122 SH DFND 2 0 0 162122 ISHARES TR CORE S&P500 ETF 464287200 34106 90854 SH DFND 2 0 0 90854 ISHARES TR S&P MC 400GR ETF 464287606 491 6794 SH DFND 2 0 0 6794 ISHARES TR IBOXX HI YD ETF 464288513 597 6836 SH DFND 2 0 0 6836 ISHARES TR CORE MSCI EAFE 46432F842 36435 527354 SH DFND 2 0 0 527354 ISHARES TR CORE MSCI INTL 46435G326 4081 66213 SH DFND 2 0 0 66213 ISHARES TR CORE US AGGBD ET 464287226 1083 9161 SH DFND 2 0 0 9161 ISHARES TR EAFE SML CP ETF 464288273 1530 22388 SH DFND 2 0 0 22388 ISHARES TR S&P 500 VAL ETF 464287408 4218 32944 SH DFND 2 0 0 32944 ISHARES TR SP SMCP600VL ETF 464287879 431 5299 SH DFND 2 0 0 5299 ISHARES TR S&P MC 400VL ETF 464287705 521 6033 SH DFND 2 0 0 6033 ISHARES TR CORE S&P SCP ETF 464287804 318 3465 SH DFND 2 0 0 3465 ISHARES TR CORE US TR BD 46429B267 8720 320112 SH DFND 1 320112 0 320112 ISHARES TR RUS 1000 GRW ETF 464287614 472 1958 SH DFND 2 0 0 1958 ISHARES TR IBOXX INV CP ETF 464287242 2651 19192 SH DFND 1 19192 0 19192 ISHARES TR SP SMCP600GR ETF 464287887 519 4545 SH DFND 2 0 0 4545 JOHNSON & JOHNSON COM 478160104 10660 67734 SH DFND 1 67734 0 67734 JOHNSON & JOHNSON COM 478160104 1230 7815 SH DFND 2 0 0 7815 JP MORGAN EXCHANGE TRADED FD ULTRA SHRT INC 46641Q837 4616 90881 SH DFND 2 0 0 90881 JPMORGAN CHASE & CO COM 46625H100 2362 18589 SH DFND 2 0 0 18589 JPMORGAN CHASE & CO COM 46625H100 18517 145723 SH DFND 1 145723 0 145723 KELLOGG CO COM 487836108 282 4529 SH DFND 2 0 0 4529 KIMBERLY CLARK CORP COM 494368103 5863 43481 SH DFND 1 43481 0 43481 KIMBERLY CLARK CORP COM 494368103 212 1575 SH DFND 2 0 0 1575 L3HARRIS TECHNOLOGIES INC COM 502431109 202 1066 SH DFND 2 0 0 1066 L3HARRIS TECHNOLOGIES INC COM 502431109 7435 39333 SH DFND 1 39333 0 39333 LAUDER ESTEE COS INC CL A 518439104 226 848 SH DFND 1 848 0 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TOLEDO INTERNATIONAL COM 592688105 287 252 SH DFND 2 0 0 252 MICROSOFT CORP COM 594918104 8338 37489 SH DFND 2 0 0 37489 MICROSOFT CORP COM 594918104 60916 273880 SH DFND 1 273880 0 273880 MONDELEZ INTL INC CL A 609207105 427 7306 SH DFND 1 7306 0 7306 MONDELEZ INTL INC CL A 609207105 454 7757 SH DFND 2 0 0 7757 MOODYS CORP COM 615369105 290 1000 SH DFND 1 1000 0 1000 MORGAN STANLEY COM NEW 617446448 207 3024 SH DFND 2 0 0 3024 MOTOROLA SOLUTIONS INC COM NEW 620076307 266 1562 SH DFND 2 0 0 1562 MOTOROLA SOLUTIONS INC COM NEW 620076307 5453 32066 SH DFND 1 32066 0 32066 NETFLIX INC COM 64110L106 221 408 SH DFND 2 0 0 408 NEXTERA ENERGY INC COM 65339F101 19045 246862 SH DFND 1 246862 0 246862 NEXTERA ENERGY INC COM 65339F101 725 9396 SH DFND 2 0 0 9396 NIKE INC CL B 654106103 22216 157037 SH DFND 1 157037 0 157037 NIKE INC CL B 654106103 1105 7808 SH DFND 2 0 0 7808 NITED BANKSHARES INC WEST V COM 909907107 358 11053 SH DFND 1 11053 0 11053 NITED PARCEL SERVICE INC CL B 911312106 11899 70658 SH DFND 1 70658 0 70658 NITED PARCEL SERVICE INC CL B 911312106 432 2565 SH DFND 2 0 0 2565 NORDIC AMERICAN TANKERS LIMI COM G65773106 35 11723 SH DFND 1 11723 0 11723 NORFOLK SOUTHERN CORP COM 655844108 1122 4723 SH DFND 1 4723 0 4723 NORTHROP GRUMMAN CORP COM 666807102 854 2803 SH DFND 1 2803 0 2803 NVIDIA CORP COM 67066G104 11853 22698 SH DFND 1 22698 0 22698 NVIDIA CORP COM 67066G104 1335 2556 SH DFND 2 0 0 2556 OMNICOM GROUP INC COM 681919106 405 6492 SH DFND 2 0 0 6492 ORACLE CORP COM 68389X105 13543 209345 SH DFND 1 209345 0 209345 ORACLE CORP COM 68389X105 905 13984 SH DFND 2 0 0 13984 ORMAT TECHNOLOGIES INC COM 686688102 340 3762 SH DFND 2 0 0 3762 PAYPAL HLDGS INC COM 70450Y103 1239 5290 SH DFND 2 0 0 5290 PAYPAL HLDGS INC COM 70450Y103 14242 60810 SH DFND 1 60810 0 60810 PEPSICO INC COM 713448108 1093 7373 SH DFND 2 0 0 7373 PEPSICO INC COM 713448108 13963 94156 SH DFND 1 94156 0 94156 PFIZER INC COM 717081103 411 11177 SH DFND 2 0 0 11177 PFIZER INC COM 717081103 2084 56603 SH DFND 1 56603 0 56603 PHILIP MORRIS INTL INC COM 718172109 651 7869 SH DFND 1 7869 0 7869 PLUG POWER INC COM NEW 72919P202 365 10756 SH DFND 2 0 0 10756 PNC FINL SVCS GROUP INC COM 693475105 8959 60129 SH DFND 1 60129 0 60129 PNC FINL SVCS GROUP INC COM 693475105 445 2985 SH DFND 2 0 0 2985 PPG INDS INC COM 693506107 992 6876 SH DFND 1 6876 0 6876 PROCTER & GAMBLE CO COM 742718109 463 3324 SH DFND 2 0 0 3324 PROCTER & GAMBLE CO COM 742718109 4045 29070 SH DFND 1 29070 0 29070 PROGRESSIVE CORP OHIO COM 743315103 678 6861 SH DFND 2 0 0 6861 PROGRESSIVE CORP OHIO COM 743315103 11284 114119 SH DFND 1 114119 0 114119 PUTNAM MASTER INTER INCOME T SH BEN INT 746909100 70 16476 SH DFND 1 16476 0 16476 PUTNAM PREMIER INCOME TR SH BEN INT 746853100 238 51213 SH DFND 1 51213 0 51213 QUALCOMM INC COM 747525103 689 4520 SH DFND 2 0 0 4520 RAYTHEON TECHNOLOGIES CORP COM 75513E101 1226 17144 SH DFND 1 17144 0 17144 RAYTHEON TECHNOLOGIES CORP COM 75513E101 204 2855 SH DFND 2 0 0 2855 REGIONS FINL CORP NEW COM 7591EP100 6687 414797 SH DFND 1 414797 0 414797 REGIONS FINL CORP NEW COM 7591EP100 177 11011 SH DFND 2 0 0 11011 REPLIGEN CORP COM 759916109 272 1422 SH DFND 2 0 0 1422 S&P GLOBAL INC COM 78409V104 3795 11543 SH DFND 1 11543 0 11543 SALESFORCE COM INC COM 79466L302 482 2167 SH DFND 2 0 0 2167 SCHEIN HENRY INC COM 806407102 458 6854 SH DFND 1 6854 0 6854 SCHWAB CHARLES CORP NEW COM 808513105 8824 166371 SH DFND 1 166371 0 166371 SCHWAB CHARLES CORP NEW COM 808513105 334 6303 SH DFND 2 0 0 6303 SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1236 18129 SH DFND 2 0 0 18129 SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1276 14333 SH DFND 2 0 0 14333 SELECT SECTOR SPDR TR SBI INT-ENERGY 81369Y506 692 18260 SH DFND 2 0 0 18260 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 440 3381 SH DFND 2 0 0 3381 SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 224 1976 SH DFND 2 0 0 1976 SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 362 2784 SH DFND 1 2784 0 2784 SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 1508 20829 SH DFND 1 20829 0 20829 SERVICENOW INC COM 81762P102 217 394 SH DFND 2 0 0 394 SHERWIN WILLIAMS CO COM 824348106 245 334 SH DFND 2 0 0 334 SHERWIN WILLIAMS CO COM 824348106 961 1308 SH DFND 1 1308 0 1308 SIRIUS XM HLDGS INC COM 82968B103 77 12037 SH DFND 2 0 0 12037 SOUTHERN CO COM 842587107 735 11960 SH DFND 1 11960 0 11960 SPDR GOLD TRUST GOLD SHS 78463V107 838 4697 SH DFND 2 0 0 4697 SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 2032 73493 SH DFND 1 73493 0 73493 SPDR S&P 500 ETF TR TR UNIT 78462F103 45489 121667 SH DFND 1 121667 0 121667 SPDR S&P 500 ETF TR TR UNIT 78462F103 4904 13117 SH DFND 2 0 0 13117 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 32800 78111 SH DFND 1 78111 0 78111 SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 864 2058 SH DFND 2 0 0 2058 SPDR SERIES TRUST S&P METALS MNG 78464A755 428 12813 SH DFND 2 0 0 12813 SPDR SERIES TRUST S&P DIVID ETF 78464A763 467 4405 SH DFND 2 0 0 4405 SPDR SERIES TRUST S&P 500 GROWTH 78464A409 2433 43997 SH DFND 2 0 0 43997 SPDR SERIES TRUST NUV HGHYLD MUN 78464A284 251 4260 SH DFND 1 4260 0 4260 SPDR SERIES TRUST DJ REIT ETF 78464A607 557 6429 SH DFND 2 0 0 6429 SPDR SERIES TRUST S&P 500 VALUE 78464A508 275 7983 SH DFND 2 0 0 7983 SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 472 9586 SH DFND 2 0 0 9586 SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103 1081 43849 SH DFND 1 43849 0 43849 STANLEY BLACK & DECKER INC COM 854502101 212 1187 SH DFND 1 1187 0 1187 STARBUCKS CORP COM 855244109 1015 9486 SH DFND 1 9486 0 9486 STARBUCKS CORP COM 855244109 738 6898 SH DFND 2 0 0 6898 STATE STR CORP COM 857477103 304 4182 SH DFND 2 0 0 4182 STRYKER CORP COM 863667101 305 1244 SH DFND 2 0 0 1244 STRYKER CORP COM 863667101 9134 37277 SH DFND 1 37277 0 37277 SYSCO CORP COM 871829107 677 9113 SH DFND 1 9113 0 9113 T MOBILE US INC COM 872590104 244 1807 SH DFND 2 0 0 1807 TARGET CORP COM 87612E106 638 3613 SH DFND 2 0 0 3613 TARGET CORP COM 87612E106 11386 64498 SH DFND 1 64498 0 64498 TELEFLEX INC COM 879369106 381 925 SH DFND 1 925 0 925 TESLA MTRS INC COM 88160R101 914 1295 SH DFND 2 0 0 1295 TEXAS INSTRS INC COM 882508104 16014 97569 SH DFND 1 97569 0 97569 TEXAS INSTRS INC COM 882508104 670 4084 SH DFND 2 0 0 4084 THERMO FISHER SCIENTIFIC INC COM 883556102 23613 50696 SH DFND 1 50696 0 50696 THERMO FISHER SCIENTIFIC INC COM 883556102 864 1854 SH DFND 2 0 0 1854 TJX COS INC NEW COM 872540109 1920 28113 SH DFND 1 28113 0 28113 TJX COS INC NEW COM 872540109 247 3621 SH DFND 2 0 0 3621 TRACTOR SUPPLY CO COM 892356106 297 2113 SH DFND 1 2113 0 2113 TRAVELERS COMPANIES INC COM 89417E109 572 4072 SH DFND 2 0 0 4072 TYSON FOODS INC CL A 902494103 5043 78266 SH DFND 1 78266 0 78266 UBER TECHNOLOGIES INC COM 90353T100 246 4830 SH DFND 2 0 0 4830 UNDER ARMOUR INC CL C 904311206 156 10494 SH DFND 2 0 0 10494 UNION PAC CORP COM 907818108 9671 46446 SH DFND 1 46446 0 46446 UNION PAC CORP COM 907818108 422 2026 SH DFND 2 0 0 2026 UNITEDHEALTH GROUP INC COM 91324P102 14006 39939 SH DFND 1 39939 0 39939 UNITEDHEALTH GROUP INC COM 91324P102 1180 3365 SH DFND 2 0 0 3365 US BANCORP DEL COM NEW 902973304 651 13981 SH DFND 1 13981 0 13981 US BANCORP DEL COM NEW 902973304 285 6109 SH DFND 2 0 0 6109 VANECK VECTORS ETF TR STEEL ETF 92189F205 264 5910 SH DFND 2 0 0 5910 VANECK VECTORS ETF TR AGRIBUSINESS ETF 92189F700 629 8080 SH DFND 2 0 0 8080 VANGUARD BD INDEX FD INC INTERMED TERM 921937819 1088 11716 SH DFND 2 0 0 11716 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 33943 98761 SH DFND 2 0 0 98761 VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 424 1999 SH DFND 2 0 0 1999 VANGUARD INDEX FDS SMALL CP ETF 922908751 8791 45158 SH DFND 2 0 0 45158 VANGUARD INDEX FDS GROWTH ETF 922908736 2442 9640 SH DFND 2 0 0 9640 VANGUARD INDEX FDS SM CP VAL ETF 922908611 329 2315 SH DFND 2 0 0 2315 VANGUARD INDEX FDS SML CP GRW ETF 922908595 283 1057 SH DFND 2 0 0 1057 VANGUARD INDEX FDS TOTAL STK MKT 922908769 587 3017 SH DFND 2 0 0 3017 VANGUARD INDEX FDS VALUE ETF 922908744 14705 123617 SH DFND 2 0 0 123617 VANGUARD INDEX FDS LARGE CAP ETF 922908637 5034 28644 SH DFND 2 0 0 28644 VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 438 3680 SH DFND 2 0 0 3680 VANGUARD INDEX FDS REIT ETF 922908553 8548 100648 SH DFND 2 0 0 100648 VANGUARD INDEX FDS VALUE ETF 922908744 870 7315 SH DFND 1 7315 0 7315 VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 36204 105339 SH DFND 1 105339 0 105339 VANGUARD INDEX FDS REIT ETF 922908553 7584 89302 SH DFND 1 89302 0 89302 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1287 22050 SH DFND 2 0 0 22050 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1013 20216 SH DFND 1 20216 0 20216 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 8388 143724 SH DFND 1 143724 0 143724 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1790 35728 SH DFND 2 0 0 35728 VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 253 4674 SH DFND 2 0 0 4674 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4588 55110 SH DFND 1 55110 0 55110 VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 8377 154920 SH DFND 1 154920 0 154920 VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 730 4610 SH DFND 2 0 0 4610 VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 1775 12571 SH DFND 2 0 0 12571 VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 782 16558 SH DFND 2 0 0 16558 VERISK ANALYTICS INC COM 92345Y106 227 1094 SH DFND 2 0 0 1094 VERIZON COMMUNICATIONS INC COM 92343V104 607 10331 SH DFND 2 0 0 10331 VERIZON COMMUNICATIONS INC COM 92343V104 14157 240968 SH DFND 1 240968 0 240968 VISA INC COM CL A 92826C839 19873 90858 SH DFND 1 90858 0 90858 VISA INC COM CL A 92826C839 1902 8697 SH DFND 2 0 0 8697 VULCAN MATLS CO COM 929160109 6298 42462 SH DFND 1 42462 0 42462 WAL-MART STORES INC COM 931142103 689 4781 SH DFND 2 0 0 4781 WAL-MART STORES INC COM 931142103 13335 92510 SH DFND 1 92510 0 92510 WASTE MGMT INC DEL COM 94106L109 239 2029 SH DFND 2 0 0 2029 WASTE MGMT INC DEL COM 94106L109 8580 72752 SH DFND 1 72752 0 72752 WATERS CORP COM 941848103 265 1073 SH DFND 2 0 0 1073 WEC ENERGY GROUP INC COM 92939U106 426 4625 SH DFND 1 4625 0 4625 WELLS FARGO & CO NEW COM 949746101 364 12061 SH DFND 1 12061 0 12061 WISDOMTREE TR MIDCAP DIVI FD 97717W505 566 16255 SH DFND 1 16255 0 16255 XYLEM INC COM 98419M100 607 5967 SH DFND 2 0 0 5967 YUM BRANDS INC COM 988498101 631 5814 SH DFND 1 5814 0 5814 ZOETIS INC CL A 98978V103 435 2627 SH DFND 2 0 0 2627 ZOETIS INC CL A 98978V103 9523 57544 SH DFND 1 57544 0 57544