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
ABBVIE INC Common Stock 00287Y109 102,028 629,371 SH   DFND 23 629,371 0 0
ALTRIA GROUP INC Common Stock 02209S103 44,678 855,075 SH   DFND 23 855,075 0 0
AMERIPRISE FINANCIAL INC Common Stock 03076C106 3,599 11,983 SH   DFND 23 11,983 0 0
AMGEN INC Common Stock 031162100 34,394 142,233 SH   DFND 23 142,233 0 0
ANTHEM INC Common Stock 036752103 6,994 14,239 SH   DFND 23 14,239 0 0
APPLE INC COM Common Stock 037833100 6,137 35,147 SH   DFND 2 35,147 0 0
APPLIED MATERIALS INC Common Stock 038222105 4,912 37,272 SH   DFND 23 37,272 0 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 6,184 27,177 SH   DFND 23 27,177 0 0
BANK OF AMERICA CORP COM Common Stock 060505104 894 21,697 SH   DFND 2 21,697 0 0
BANK OF MONTREAL Common Stock 063671101 22,241 189,021 SH   DFND 23 189,021 0 0
BANK OF NOVA SCOTIA Common Stock 064149107 21,563 300,867 SH   DFND 23 300,867 0 0
BEST BUY CO INC Common Stock 086516101 5,884 64,726 SH   DFND 23 64,726 0 0
CF INDUSTRIES HOLDINGS INC Common Stock 125269100 4,076 39,543 SH   DFND 23 39,543 0 0
CSX CORP Common Stock 126408103 1,662 44,370 SH   DFND 23 44,370 0 0
CANADIAN NATL RAILWAY CO Common Stock 136375102 16,902 125,996 SH   DFND 23 125,996 0 0
CANADIAN PACIFIC RAILWAY LTD Common Stock 13645T100 13,587 164,734 SH   DFND 23 164,734 0 0
CARDINAL HEALTH INC Common Stock 14149Y108 7,666 135,213 SH   DFND 23 135,213 0 0
CATERPILLAR INC Common Stock 149123101 32,111 144,112 SH   DFND 23 144,112 0 0
CELANESE CORP Common Stock 150870103 1,522 10,652 SH   DFND 23 10,652 0 0
CISCO SYSTEMS INC Common Stock 17275R102 92,275 1,654,865 SH   DFND 23 1,654,865 0 0
CITIGROUP INC COM NEW Common Stock 172967424 641 11,996 SH   DFND 2 11,996 0 0
COCA-COLA CO/THE Common Stock 191216100 84,657 1,365,443 SH   DFND 23 1,365,443 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 13,145 173,362 SH   DFND 23 173,362 0 0
CUMMINS INC Common Stock 231021106 8,918 43,482 SH   DFND 23 43,482 0 0
DISCOVER FINANCIAL SERVICES Common Stock 254709108 7,809 70,873 SH   DFND 23 70,873 0 0
DOVER CORP Common Stock 260003108 1,595 10,167 SH   DFND 23 10,167 0 0
EMERSON ELECTRIC CO Common Stock 291011104 20,881 212,962 SH   DFND 23 212,962 0 0
FASTENAL CO Common Stock 311900104 8,934 150,393 SH   DFND 23 150,393 0 0
FORTUNE BRANDS HOME & SECURI Common Stock 34964C106 1,310 17,631 SH   DFND 23 17,631 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 4,059 16,830 SH   DFND 23 16,830 0 0
GENERAL MILLS INC Common Stock 370334104 12,451 183,849 SH   DFND 23 183,849 0 0
GENUINE PARTS CO Common Stock 372460105 10,216 81,074 SH   DFND 23 81,074 0 0
HP INC Common Stock 40434L105 6,557 180,646 SH   DFND 23 180,646 0 0
HERSHEY CO/THE Common Stock 427866108 8,903 41,099 SH   DFND 23 41,099 0 0
HOME DEPOT INC Common Stock 437076102 48,865 163,249 SH   DFND 23 163,249 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106 8,107 41,660 SH   DFND 23 41,660 0 0
HUNTINGTON INGALLS INDUSTRIE Common Stock 446413106 3,614 18,124 SH   DFND 23 18,124 0 0
ILLINOIS TOOL WORKS Common Stock 452308109 12,868 61,456 SH   DFND 23 61,456 0 0
INTEL CORP Common Stock 458140100 38,680 780,464 SH   DFND 23 780,464 0 0
INTL BUSINESS MACHINES CORP Common Stock 459200101 27,101 208,440 SH   DFND 23 208,440 0 0
ISHARES TIPS BOND ETF ETP 464287176 4,729 47,714 SH   DFND   47,714 0 0
ISHARES CORE S&P 500 ETF ETP 464287200 1,361,699 3,001,388 SH   DFND 2,23 3,001,388 0 0
ISHARES S&P 500 GROWTH ETF ETP 464287309 3,391 301,349 SH   DFND   301,349 0 0
ISHARES S&P 500 VALUE ETF ETP 464287408 2,150 374,405 SH   DFND   374,405 0 0
ISHARES CORE S&P MIDCAP ETF ETP 464287507 335,164 1,249,023 SH   DFND 2,23 1,249,023 0 0
ISHARES CORE S&P SMALL-CAP ETF ETP 464287804 3,344 30,997 SH   DFND 2 30,997 0 0
ISHARES NATIONAL MUNI BOND ETF ETP 464288414 3,307 30,163 SH   DFND 2 30,163 0 0
ISHARES IBOXX $ HIGH YIELD ETP 464288513 4,482 54,462 SH   DFND 2 54,462 0 0
ISHARES TR CORE MSCI EAFE ETF ETP 46432F842 758,942 10,918,454 SH   DFND 2,23 10,918,454 0 0
ISHARES CORE MSCI EMERGING ETP 46434G103 321,208 5,782,321 SH   DFND 2,23 5,782,321 0 0
JOHNSON & JOHNSON Common Stock 478160104 113,297 639,261 SH   DFND 23 639,261 0 0
KLA CORP Common Stock 482480100 13,251 36,197 SH   DFND 23 36,197 0 0
KELLOGG CO Common Stock 487836108 2,041 31,646 SH   DFND 23 31,646 0 0
KIMBERLY-CLARK CORP Common Stock 494368103 19,858 161,240 SH   DFND 23 161,240 0 0
KROGER CO Common Stock 501044101 4,906 85,519 SH   DFND 23 85,519 0 0
LAM RESEARCH CORP Common Stock 512807108 11,733 21,823 SH   DFND 23 21,823 0 0
ELI LILLY & CO Common Stock 532457108 30,233 105,577 SH   DFND 23 105,577 0 0
LOCKHEED MARTIN CORP Common Stock 539830109 35,244 79,848 SH   DFND 23 79,848 0 0
LOWE'S COS INC Common Stock 548661107 21,267 105,188 SH   DFND 23 105,188 0 0
M & T BANK CORP Common Stock 55261F104 21,098 124,479 SH   DFND 23 124,479 0 0
MAGNA INTERNATIONAL INC Common Stock 559222401 9,227 143,732 SH   DFND 23 143,732 0 0
MCDONALD'S CORP Common Stock 580135101 37,889 153,223 SH   DFND 23 153,223 0 0
MERCK & CO. INC. Common Stock 58933Y105 52,042 634,275 SH   DFND 23 634,275 0 0
MOTOROLA SOLUTIONS INC Common Stock 620076307 2,440 10,073 SH   DFND 23 10,073 0 0
NRG ENERGY INC Common Stock 629377508 1,590 41,450 SH   DFND 23 41,450 0 0
NETAPP INC Common Stock 64110D104 4,797 57,795 SH   DFND 23 57,795 0 0
OMNICOM GROUP Common Stock 681919106 8,986 105,873 SH   DFND 23 105,873 0 0
ORACLE CORP Common Stock 68389X105 6,073 73,411 SH   DFND 23 73,411 0 0
PAYCHEX INC Common Stock 704326107 14,959 109,615 SH   DFND 23 109,615 0 0
PEPSICO INC Common Stock 713448108 65,477 391,189 SH   DFND 23 391,189 0 0
PFIZER INC Common Stock 717081103 35,124 678,453 SH   DFND 23 678,453 0 0
PHILIP MORRIS INTERNATIONAL Common Stock 718172109 53,668 571,309 SH   DFND 23 571,309 0 0
PHILLIPS 66 Common Stock 718546104 4,583 53,051 SH   DFND 23 53,051 0 0
T ROWE PRICE GROUP INC Common Stock 74144T108 5,847 38,676 SH   DFND 23 38,676 0 0
PROCTER & GAMBLE CO/THE Common Stock 742718109 99,248 649,529 SH   DFND 23 649,529 0 0
QUALCOMM INC Common Stock 747525103 11,582 75,784 SH   DFND 23 75,784 0 0
REGIONS FINANCIAL CORP Common Stock 7591EP100 26,535 1,192,073 SH   DFND 23 1,192,073 0 0
ROGERS COMMUNICATIONS INC-B Common Stock 775109200 19,703 348,938 SH   DFND 23 348,938 0 0
ROYAL BANK OF CANADA Common Stock 780087102 21,912 199,018 SH   DFND 23 199,018 0 0
SPDR PORTFOLIO SHORT TERMCORPORATE ETP 78464A474 3,678 122,083 SH   DFND 2 122,083 0 0
STARBUCKS CORP Common Stock 855244109 15,042 165,358 SH   DFND 2,23 165,358 0 0
SYNCHRONY FINANCIAL Common Stock 87165B103 13,464 386,790 SH   DFND 23 386,790 0 0
SYSCO CORP Common Stock 871829107 11,458 140,331 SH   DFND 23 140,331 0 0
TARGET CORP Common Stock 87612E106 21,115 99,495 SH   DFND 23 99,495 0 0
TEXAS INSTRUMENTS INC Common Stock 882508104 46,726 254,671 SH   DFND 23 254,671 0 0
3M CO Common Stock 88579Y101 35,654 239,487 SH   DFND 23 239,487 0 0
TORONTO-DOMINION BANK Common Stock 891160509 19,681 248,055 SH   DFND 23 248,055 0 0
TRUECAR INC Common Stock 89785L107 33,695 8,530,351 SH   DFND 23 8,530,351 0 0
US BANCORP Common Stock 902973304 41,760 785,686 SH   DFND 23 785,686 0 0
UNION PACIFIC CORP Common Stock 907818108 32,488 118,909 SH   DFND 23 118,909 0 0
UNITED PARCEL SERVICE-CL B Common Stock 911312106 43,970 205,029 SH   DFND 23 205,029 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 61,080 119,773 SH   DFND 23 119,773 0 0
VANECK HIGH YIELD MUNI ETF ETP 92189H409 1,547 26,957 SH   DFND 2 26,957 0 0
MFC VANGUARD SPECIALIZED FUNDS S&P US DIVID GROWERS INDEX ETF SHS ETP 921908844 17,922 110,525 SH   DFND   110,525 0 0
VANGUARD TOTAL INTL STOCK ETP 921909768 15,743 263,517 SH   DFND   263,517 0 0
VANGUARD SHORT-TERM BOND ETF ETP 921937827 41,458 532,195 SH   DFND   532,195 0 0
VANGUARD BD INDEX FD INC TOTAL BD ETP 921937835 29,113 133,294 SH   DFND 2 133,294 0 0
MFC VANGUARD WHITEHALL FDS HIGH DIVIDENDYIELD ETF SHS ETP 921946406 18,515 164,944 SH   DFND   164,944 0 0
MFC VANGUARD INTL EQUITY INDEX FDS VANGUARD FTSE ALL WORLD EX US ETF ETP 922042775 65,682 1,140,514 SH   DFND   1,140,514 0 0
VANGUARD S/T CORP BOND ETF ETP 92206C409 19,489 19,700 SH   DFND   19,700 0 0
VANGUARD LONG-TERM CORP BOND ETP 92206C813 18,019 192,362 SH   DFND   192,362 0 0
VANGUARD INT-TERM CORPORATE ETP 92206C870 18,684 2,198,667 SH   DFND   2,198,667 0 0
VANGUARD S&P 500 ETF ETP 922908363 106,789 257,217 SH   DFND   257,217 0 0
VANGUARD EXTENDED MARKET ETF ETP 922908652 31,816 140,201 SH   DFND   140,201 0 0
MFC VANGUARD INDEX FDS TOTAL STOCK MARKET ETF ETP 922908769 10,071 44,234 SH   DFND   44,234 0 0
VERIZON COMMUNICATIONS INC COM Common Stock 92343V104 46,069 904,398 SH   DFND 2,23 904,398 0 0
MFC VICTORY PORTFOLIOS II SHARES USAA CORE INTERMEDIATE TERM BOND ETP 92647N527 88,383 1,776,863 SH   DFND   1,776,863 0 0
WALMART INC Common Stock 931142103 11,274 75,708 SH   DFND 23 75,708 0 0
WASTE MANAGEMENT INC Common Stock 94106L109 6,716 42,370 SH   DFND 23 42,370 0 0
ISHARES SHORT-TERM NATIONAL MUNI ETP 464288158 1,442 13,784 SH   DFND 2 13,784 0 0
INDEXIQ ETF TR IQ MERGER ARBITRAGE ETP 45409B800 1,407 44,054 SH   DFND 2 44,054 0 0
VANGUARD SCOTTSDALE FDS VANGUARD ETP 92206C771 2,944 58,757 SH   DFND 2 58,757 0 0
VANGUARD MALVERN FDS SHORT-TERM ETP 922020805 1,948 38,031 SH   DFND 2 38,031 0 0
PRINCIPAL EXCHANGE TRADED FDS ETP 74255Y888 1,764 92,917 SH   DFND 2 92,917 0 0
SEAGATE TECHNOLOGY HOLDINGS Common Stock G7997R103 7,772 86,455 SH   DFND 23 86,455 0 0
ISHARES GOLD TR ISHARES NEW ETP 464285204 5,382 146,123 SH   DFND 2 146,123 0 0
COINBASE GLOBAL INC -CLASS A Common Stock 19260Q107 102,524 540,000 SH   DFND 29 540,000 0 0
RANI THERAPEUTICS HOLDINGS-A Common Stock 753018100 6,498 481,300 SH   DFND 23 481,300 0 0
WEBSTER FINANCIAL CORP Common Stock 947890109 4,314 76,860 SH   DFND 23 76,860 0 0