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
ABBOTT LABORATORIES Common Stock 002824100 21,667 183,417 SH   DFND 23 183,417 0 0
ABBVIE INC COM Common Stock 00287Y109 100,110 928,059 SH   DFND 2,23 928,059 0 0
ALTRIA GROUP INC Common Stock 02209S103 40,242 884,062 SH   DFND 23 884,062 0 0
AMERIPRISE FINANCIAL INC Common Stock 03076C106 3,165 11,983 SH   DFND 23 11,983 0 0
AMGEN INC Common Stock 031162100 38,806 182,487 SH   DFND 23 182,487 0 0
ANTHEM INC Common Stock 036752103 5,309 14,239 SH   DFND 23 14,239 0 0
APPLE INC COM Common Stock 037833100 5,674 40,100 SH   DFND 2 40,100 0 0
APPLIED MATERIALS INC Common Stock 038222105 4,798 37,272 SH   DFND 23 37,272 0 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 13,160 65,823 SH   DFND 23 65,823 0 0
BANK OF AMERICA CORP COM Common Stock 060505104 1,277 30,087 SH   DFND 2 30,087 0 0
IPATH BLOOMBERG COMMODITY IN Common Stock 06738C778 2,655 90,776 SH   DFND   90,776 0 0
BEST BUY CO INC Common Stock 086516101 6,942 65,675 SH   DFND 23 65,675 0 0
CF INDUSTRIES HOLDINGS INC Common Stock 125269100 2,207 39,543 SH   DFND 23 39,543 0 0
C.H. ROBINSON WORLDWIDE INC Common Stock 12541W209 996 11,451 SH   DFND 23 11,451 0 0
CSX CORP Common Stock 126408103 1,320 44,370 SH   DFND 23 44,370 0 0
CANADIAN NATL RAILWAY CO Common Stock 136375102 11,405 98,417 SH   DFND 23 98,417 0 0
CANADIAN PACIFIC RAILWAY LTD Common Stock 13645T100 8,228 126,003 SH   DFND 23 126,003 0 0
CARDINAL HEALTH INC Common Stock 14149Y108 6,767 136,808 SH   DFND 23 136,808 0 0
CATERPILLAR INC Common Stock 149123101 27,824 144,933 SH   DFND 23 144,933 0 0
CELANESE CORP Common Stock 150870103 1,693 11,235 SH   DFND 23 11,235 0 0
CISCO SYSTEMS INC Common Stock 17275R102 90,982 1,671,531 SH   DFND 23 1,671,531 0 0
CITIGROUP INC COM NEW Common Stock 172967424 1,163 16,569 SH   DFND 2 16,569 0 0
CLOROX COMPANY Common Stock 189054109 6,947 41,945 SH   DFND 23 41,945 0 0
COCA-COLA CO/THE Common Stock 191216100 72,666 1,384,921 SH   DFND 23 1,384,921 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 13,438 177,808 SH   DFND 23 177,808 0 0
CUMMINS INC Common Stock 231021106 9,902 44,093 SH   DFND 23 44,093 0 0
DOVER CORP Common Stock 260003108 1,581 10,167 SH   DFND 23 10,167 0 0
EBAY INC Common Stock 278642103 1,531 21,969 SH   DFND 23 21,969 0 0
EMERSON ELECTRIC CO Common Stock 291011104 20,285 215,345 SH   DFND 23 215,345 0 0
FASTENAL CO Common Stock 311900104 7,908 153,239 SH   DFND 23 153,239 0 0
FORTUNE BRANDS HOME & SECURI Common Stock 34964C106 1,577 17,631 SH   DFND 23 17,631 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 3,299 16,830 SH   DFND 23 16,830 0 0
GENERAL MILLS INC Common Stock 370334104 11,132 186,094 SH   DFND 23 186,094 0 0
GENUINE PARTS CO Common Stock 372460105 9,925 81,862 SH   DFND 23 81,862 0 0
GILEAD SCIENCES INC Common Stock 375558103 12,402 177,550 SH   DFND 23 177,550 0 0
HP INC Common Stock 40434L105 5,004 182,905 SH   DFND 23 182,905 0 0
HERSHEY CO/THE Common Stock 427866108 7,092 41,904 SH   DFND 23 41,904 0 0
HOME DEPOT INC Common Stock 437076102 71,635 218,224 SH   DFND 23 218,224 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106 8,893 41,893 SH   DFND 23 41,893 0 0
HUNTINGTON INGALLS INDUSTRIE Common Stock 446413106 3,499 18,124 SH   DFND 23 18,124 0 0
ILLINOIS TOOL WORKS Common Stock 452308109 12,932 62,584 SH   DFND 23 62,584 0 0
INTEL CORP Common Stock 458140100 52,422 983,880 SH   DFND 23 983,880 0 0
INTL BUSINESS MACHINES CORP Common Stock 459200101 52,071 374,803 SH   DFND 23 374,803 0 0
INTERNATIONAL PAPER CO Common Stock 460146103 7,579 135,529 SH   DFND 23 135,529 0 0
ISHARES TIPS BOND ETF Common Stock 464287176 5,602 43,868 SH   DFND   43,868 0 0
ISHARES CORE S&P 500 ETF Common Stock 464287200 1,404,569 3,260,220 SH   DFND 2,23 3,260,220 0 0
ISHARES S&P 500 GROWTH ETF Common Stock 464287309 6,737 91,148 SH   DFND   91,148 0 0
ISHARES S&P 500 VALUE ETF Common Stock 464287408 2,972 20,435 SH   DFND   20,435 0 0
ISHARES CORE S&P MIDCAP ETF Common Stock 464287507 339,147 1,289,191 SH   DFND 2,23 1,289,191 0 0
ISHARES CORE S&P SMALL-CAP ETF Common Stock 464287804 3,792 34,724 SH   DFND 2 34,724 0 0
ISHARES NATIONAL MUNI BOND ETF Common Stock 464288414 3,915 33,699 SH   DFND 2 33,699 0 0
ISHARES IBOXX $ HIGH YIELD Common Stock 464288513 5,660 64,697 SH   DFND 2 64,697 0 0
ISHARES TR CORE MSCI EAFE ETF Common Stock 46432F842 787,988 10,612,630 SH   DFND 2,23 10,612,630 0 0
ISHARES CORE MSCI EMERGING Common Stock 46434G103 321,265 5,201,835 SH   DFND 2,23 5,201,835 0 0
JOHNSON & JOHNSON COM Common Stock 478160104 106,380 658,702 SH   DFND 2,23 658,702 0 0
KLA CORP Common Stock 482480100 12,244 36,602 SH   DFND 23 36,602 0 0
KELLOGG CO Common Stock 487836108 2,112 33,050 SH   DFND 23 33,050 0 0
KIMBERLY-CLARK CORP Common Stock 494368103 21,354 161,240 SH   DFND 23 161,240 0 0
KROGER CO Common Stock 501044101 3,457 85,519 SH   DFND 23 85,519 0 0
LAM RESEARCH CORP Common Stock 512807108 12,420 21,823 SH   DFND 23 21,823 0 0
ELI LILLY & CO Common Stock 532457108 29,126 126,060 SH   DFND 23 126,060 0 0
LOCKHEED MARTIN CORP ETP 539830109 27,875 80,773 SH   DFND 23 80,773 0 0
LOWE'S COS INC Common Stock 548661107 21,558 106,269 SH   DFND 23 106,269 0 0
MAGNA INTERNATIONAL INC Common Stock 559222401 10,614 141,148 SH   DFND 23 141,148 0 0
MASCO CORP COM Common Stock 574599106 703 12,653 SH   DFND 2 12,653 0 0
MCDONALD'S CORP Common Stock 580135101 37,258 154,530 SH   DFND 23 154,530 0 0
MERCK & CO. INC. Common Stock 58933Y105 48,417 644,601 SH   DFND 23 644,601 0 0
MICROSOFT CORP COM Common Stock 594918104 2,966 10,519 SH   DFND 2 10,519 0 0
MOTOROLA SOLUTIONS INC Common Stock 620076307 2,340 10,073 SH   DFND 23 10,073 0 0
NRG ENERGY INC Common Stock 629377508 1,692 41,450 SH   DFND 23 41,450 0 0
NETAPP INC Common Stock 64110D104 5,188 57,795 SH   DFND 23 57,795 0 0
OMNICOM GROUP Common Stock 681919106 7,722 106,576 SH   DFND 23 106,576 0 0
ORACLE CORP Common Stock 68389X105 25,502 292,700 SH   DFND 23 292,700 0 0
PAYCHEX INC Common Stock 704326107 12,524 111,379 SH   DFND 23 111,379 0 0
PEPSICO INC COM Common Stock 713448108 60,782 404,106 SH   DFND 2,23 404,106 0 0
PFIZER INC Common Stock 717081103 20,925 486,510 SH   DFND 23 486,510 0 0
PHILIP MORRIS INTERNATIONAL Common Stock 718172109 54,410 574,009 SH   DFND 23 574,009 0 0
PHILLIPS 66 Common Stock 718546104 3,715 53,051 SH   DFND 23 53,051 0 0
T ROWE PRICE GROUP INC Common Stock 74144T108 7,770 39,499 SH   DFND 23 39,499 0 0
PRINCIPAL FINANCIAL GROUP Common Stock 74251V102 657 10,204 SH   DFND 23 10,204 0 0
PROCTER & GAMBLE CO/THE Common Stock 742718109 91,769 656,438 SH   DFND 23 656,438 0 0
PROGRESSIVE CORP Common Stock 743315103 3,364 37,218 SH   DFND 23 37,218 0 0
QUALCOMM INC Common Stock 747525103 30,099 233,360 SH   DFND 23 233,360 0 0
ROGERS COMMUNICATIONS INC-B Common Stock 775109200 5,249 112,502 SH   DFND 23 112,502 0 0
ROYAL BANK OF CANADA Common Stock 780087102 15,884 159,632 SH   DFND 23 159,632 0 0
SPDR PORTFOLIO SHORT TERMCORPORATE Common Stock 78464A474 4,797 153,489 SH   DFND 2 153,489 0 0
SKYWORKS SOLUTIONS INC Common Stock 83088M102 1,807 10,962 SH   DFND 23 10,962 0 0
STARBUCKS CORP Common Stock 855244109 18,713 169,652 SH   DFND 2,23 169,652 0 0
SYSCO CORP Common Stock 871829107 11,152 142,069 SH   DFND 23 142,069 0 0
TARGET CORP Common Stock 87612E106 22,972 100,412 SH   DFND 23 100,412 0 0
TEXAS INSTRUMENTS INC Common Stock 882508104 49,318 256,588 SH   DFND 23 256,588 0 0
3M CO Common Stock 88579Y101 45,907 261,697 SH   DFND 23 261,697 0 0
TORONTO-DOMINION BANK Common Stock 891160509 16,422 248,055 SH   DFND 23 248,055 0 0
TRUECAR INC Common Stock 89785L107 37,619 9,042,993 SH   DFND 23 9,042,993 0 0
UNION PACIFIC CORP Common Stock 907818108 23,427 119,520 SH   DFND 23 119,520 0 0
UNITED PARCEL SERVICE-CL B ETP 911312106 37,558 206,256 SH   DFND 23 206,256 0 0
UNITEDHEALTH GROUP INC ETP 91324P102 47,094 120,526 SH   DFND 23 120,526 0 0
VANECK HIGH YIELD MUNI ETF ETP 92189H409 2,068 33,097 SH   DFND 2 33,097 0 0
MFC VANGUARD SPECIALIZED FUNDS S&P U S DIVID GROWERS INDEX ETF SHS ETP 921908844 17,305 112,666 SH   DFND   112,666 0 0
VANGUARD TOTAL INTL STOCK ETP 921909768 27,179 429,647 SH   DFND   429,647 0 0
VANGUARD SHORT-TERM BOND ETF ETP 921937827 84,866 1,035,704 SH   DFND   1,035,704 0 0
VANGUARD BD INDEX FD INC TOTAL BD ETP 921937835 50,854 595,132 SH   DFND 2 595,132 0 0
MFC VANGUARD WHITEHALL FDS HIGH DIVIDENDYIELD ETF SHS ETP 921946406 17,715 171,407 SH   DFND   171,407 0 0
MFC VANGUARD INTL EQUITY INDEX FDS VANGUARD FTSE ALL WORLD EX US ETF ETP 922042775 70,130 1,150,433 SH   DFND   1,150,433 0 0
VANGUARD S/T CORP BOND ETF ETP 92206C409 20,567 249,573 SH   DFND   249,573 0 0
VANGUARD LONG-TERM CORP BOND Common Stock 92206C813 20,310 192,362 SH   DFND   192,362 0 0
VANGUARD INT-TERM CORPORATE Common Stock 92206C870 20,501 217,153 SH   DFND   217,153 0 0
VANGUARD S&P 500 ETF Common Stock 922908363 111,440 282,555 SH   DFND   282,555 0 0
VANGUARD EXTENDED MARKET ETF Common Stock 922908652 38,489 211,062 SH   DFND   211,062 0 0
MFC VANGUARD INDEX FDS TOTAL STOCK MARKET ETF Common Stock 922908769 10,313 46,441 SH   DFND   46,441 0 0
VERIZON COMMUNICATIONS INC COM Common Stock 92343V104 60,448 1,119,228 SH   DFND 2,23 1,119,228 0 0
MFC VICTORY PORTFOLIOS II SHARES USAA CORE INTERMEDIATE TERM BOND Common Stock 92647N527 90,275 1,685,174 SH   DFND   1,685,174 0 0
WALMART INC Common Stock 931142103 24,677 177,054 SH   DFND 23 177,054 0 0
WASTE MANAGEMENT INC Common Stock 94106L109 6,328 42,370 SH   DFND 23 42,370 0 0
WESTERN UNION CO Common Stock 959802109 4,315 213,396 SH   DFND 23 213,396 0 0
BOOZ ALLEN HAMILTON HOLDINGS Common Stock 099502106 894 11,269 SH   DFND 23 11,269 0 0
ISHARES SHORT-TERM NATIONAL MUNI Common Stock 464288158 1,610 14,965 SH   DFND 2 14,965 0 0
INDEXIQ ETF TR IQ MERGER ARBITRAGE Common Stock 45409B800 1,915 58,252 SH   DFND 2 58,252 0 0
VANGUARD SCOTTSDALE FDS VANGUARD Common Stock 92206C771 3,994 74,951 SH   DFND 2 74,951 0 0
VANGUARD MALVERN FDS SHORT-TERM Common Stock 922020805 2,390 45,451 SH   DFND 2 45,451 0 0
PRINCIPAL EXCHANGE TRADED FDS Common Stock 74255Y888 2,343 112,956 SH   DFND 2 112,956 0 0
SEAGATE TECHNOLOGY HOLDINGS Common Stock G7997R103 7,185 87,069 SH   DFND 23 87,069 0 0
ISHARES GOLD TR ISHARES NEW Common Stock 464285204 5,494 164,432 SH   DFND 2 164,432 0 0
COINBASE GLOBAL INC -CLASS A Common Stock 19260Q107 244,325 1,074,052 SH   DFND 29 1,074,052 0 0
ISHARES MSCI ACWI ETF Common Stock 464288257 99,026 991,050 SH   DFND   991,050 0 0