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
Expires:Oct 31, 2018
Estimated average burden
hours per response:23.8

COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
ABBVIE INCCommon Stock00287Y109102,028629,371SH DFND23629,37100
ALTRIA GROUP INCCommon Stock02209S10344,678855,075SH DFND23855,07500
AMERIPRISE FINANCIAL INCCommon Stock03076C1063,59911,983SH DFND2311,98300
AMGEN INCCommon Stock03116210034,394142,233SH DFND23142,23300
ANTHEM INCCommon Stock0367521036,99414,239SH DFND2314,23900
APPLE INC COMCommon Stock0378331006,13735,147SH DFND235,14700
APPLIED MATERIALS INCCommon Stock0382221054,91237,272SH DFND2337,27200
AUTOMATIC DATA PROCESSINGCommon Stock0530151036,18427,177SH DFND2327,17700
BANK OF AMERICA CORP COMCommon Stock06050510489421,697SH DFND221,69700
BANK OF MONTREALCommon Stock06367110122,241189,021SH DFND23189,02100
BANK OF NOVA SCOTIACommon Stock06414910721,563300,867SH DFND23300,86700
BEST BUY CO INCCommon Stock0865161015,88464,726SH DFND2364,72600
CF INDUSTRIES HOLDINGS INCCommon Stock1252691004,07639,543SH DFND2339,54300
CSX CORPCommon Stock1264081031,66244,370SH DFND2344,37000
CANADIAN NATL RAILWAY COCommon Stock13637510216,902125,996SH DFND23125,99600
CANADIAN PACIFIC RAILWAY LTDCommon Stock13645T10013,587164,734SH DFND23164,73400
CARDINAL HEALTH INCCommon Stock14149Y1087,666135,213SH DFND23135,21300
CATERPILLAR INCCommon Stock14912310132,111144,112SH DFND23144,11200
CELANESE CORPCommon Stock1508701031,52210,652SH DFND2310,65200
CISCO SYSTEMS INCCommon Stock17275R10292,2751,654,865SH DFND231,654,86500
CITIGROUP INC COM NEWCommon Stock17296742464111,996SH DFND211,99600
COCA-COLA CO/THECommon Stock19121610084,6571,365,443SH DFND231,365,44300
COLGATE-PALMOLIVE COCommon Stock19416210313,145173,362SH DFND23173,36200
CUMMINS INCCommon Stock2310211068,91843,482SH DFND2343,48200
DISCOVER FINANCIAL SERVICESCommon Stock2547091087,80970,873SH DFND2370,87300
DOVER CORPCommon Stock2600031081,59510,167SH DFND2310,16700
EMERSON ELECTRIC COCommon Stock29101110420,881212,962SH DFND23212,96200
FASTENAL COCommon Stock3119001048,934150,393SH DFND23150,39300
FORTUNE BRANDS HOME & SECURICommon Stock34964C1061,31017,631SH DFND2317,63100
GENERAL DYNAMICS CORPCommon Stock3695501084,05916,830SH DFND2316,83000
GENERAL MILLS INCCommon Stock37033410412,451183,849SH DFND23183,84900
GENUINE PARTS COCommon Stock37246010510,21681,074SH DFND2381,07400
HP INCCommon Stock40434L1056,557180,646SH DFND23180,64600
HERSHEY CO/THECommon Stock4278661088,90341,099SH DFND2341,09900
HOME DEPOT INCCommon Stock43707610248,865163,249SH DFND23163,24900
HONEYWELL INTERNATIONAL INCCommon Stock4385161068,10741,660SH DFND2341,66000
HUNTINGTON INGALLS INDUSTRIECommon Stock4464131063,61418,124SH DFND2318,12400
ILLINOIS TOOL WORKSCommon Stock45230810912,86861,456SH DFND2361,45600
INTEL CORPCommon Stock45814010038,680780,464SH DFND23780,46400
INTL BUSINESS MACHINES CORPCommon Stock45920010127,101208,440SH DFND23208,44000
ISHARES TIPS BOND ETFETP4642871764,72947,714SH DFND 47,71400
ISHARES CORE S&P 500 ETFETP4642872001,361,6993,001,388SH DFND2,233,001,38800
ISHARES S&P 500 GROWTH ETFETP4642873093,391301,349SH DFND 301,34900
ISHARES S&P 500 VALUE ETFETP4642874082,150374,405SH DFND 374,40500
ISHARES CORE S&P MIDCAP ETFETP464287507335,1641,249,023SH DFND2,231,249,02300
ISHARES CORE S&P SMALL-CAP ETFETP4642878043,34430,997SH DFND230,99700
ISHARES NATIONAL MUNI BOND ETFETP4642884143,30730,163SH DFND230,16300
ISHARES IBOXX $ HIGH YIELDETP4642885134,48254,462SH DFND254,46200
ISHARES TR CORE MSCI EAFE ETFETP46432F842758,94210,918,454SH DFND2,2310,918,45400
ISHARES CORE MSCI EMERGINGETP46434G103321,2085,782,321SH DFND2,235,782,32100
JOHNSON & JOHNSONCommon Stock478160104113,297639,261SH DFND23639,26100
KLA CORPCommon Stock48248010013,25136,197SH DFND2336,19700
KELLOGG COCommon Stock4878361082,04131,646SH DFND2331,64600
KIMBERLY-CLARK CORPCommon Stock49436810319,858161,240SH DFND23161,24000
KROGER COCommon Stock5010441014,90685,519SH DFND2385,51900
LAM RESEARCH CORPCommon Stock51280710811,73321,823SH DFND2321,82300
ELI LILLY & COCommon Stock53245710830,233105,577SH DFND23105,57700
LOCKHEED MARTIN CORPCommon Stock53983010935,24479,848SH DFND2379,84800
LOWE'S COS INCCommon Stock54866110721,267105,188SH DFND23105,18800
M & T BANK CORPCommon Stock55261F10421,098124,479SH DFND23124,47900
MAGNA INTERNATIONAL INCCommon Stock5592224019,227143,732SH DFND23143,73200
MCDONALD'S CORPCommon Stock58013510137,889153,223SH DFND23153,22300
MERCK & CO. INC.Common Stock58933Y10552,042634,275SH DFND23634,27500
MOTOROLA SOLUTIONS INCCommon Stock6200763072,44010,073SH DFND2310,07300
NRG ENERGY INCCommon Stock6293775081,59041,450SH DFND2341,45000
NETAPP INCCommon Stock64110D1044,79757,795SH DFND2357,79500
OMNICOM GROUPCommon Stock6819191068,986105,873SH DFND23105,87300
ORACLE CORPCommon Stock68389X1056,07373,411SH DFND2373,41100
PAYCHEX INCCommon Stock70432610714,959109,615SH DFND23109,61500
PEPSICO INCCommon Stock71344810865,477391,189SH DFND23391,18900
PFIZER INCCommon Stock71708110335,124678,453SH DFND23678,45300
PHILIP MORRIS INTERNATIONALCommon Stock71817210953,668571,309SH DFND23571,30900
PHILLIPS 66Common Stock7185461044,58353,051SH DFND2353,05100
T ROWE PRICE GROUP INCCommon Stock74144T1085,84738,676SH DFND2338,67600
PROCTER & GAMBLE CO/THECommon Stock74271810999,248649,529SH DFND23649,52900
QUALCOMM INCCommon Stock74752510311,58275,784SH DFND2375,78400
REGIONS FINANCIAL CORPCommon Stock7591EP10026,5351,192,073SH DFND231,192,07300
ROGERS COMMUNICATIONS INC-BCommon Stock77510920019,703348,938SH DFND23348,93800
ROYAL BANK OF CANADACommon Stock78008710221,912199,018SH DFND23199,01800
SPDR PORTFOLIO SHORT TERMCORPORATEETP78464A4743,678122,083SH DFND2122,08300
STARBUCKS CORPCommon Stock85524410915,042165,358SH DFND2,23165,35800
SYNCHRONY FINANCIALCommon Stock87165B10313,464386,790SH DFND23386,79000
SYSCO CORPCommon Stock87182910711,458140,331SH DFND23140,33100
TARGET CORPCommon Stock87612E10621,11599,495SH DFND2399,49500
TEXAS INSTRUMENTS INCCommon Stock88250810446,726254,671SH DFND23254,67100
3M COCommon Stock88579Y10135,654239,487SH DFND23239,48700
TORONTO-DOMINION BANKCommon Stock89116050919,681248,055SH DFND23248,05500
TRUECAR INCCommon Stock89785L10733,6958,530,351SH DFND238,530,35100
US BANCORPCommon Stock90297330441,760785,686SH DFND23785,68600
UNION PACIFIC CORPCommon Stock90781810832,488118,909SH DFND23118,90900
UNITED PARCEL SERVICE-CL BCommon Stock91131210643,970205,029SH DFND23205,02900
UNITEDHEALTH GROUP INCCommon Stock91324P10261,080119,773SH DFND23119,77300
VANECK HIGH YIELD MUNI ETFETP92189H4091,54726,957SH DFND226,95700
MFC VANGUARD SPECIALIZED FUNDS S&P US DIVID GROWERS INDEX ETF SHSETP92190884417,922110,525SH DFND 110,52500
VANGUARD TOTAL INTL STOCKETP92190976815,743263,517SH DFND 263,51700
VANGUARD SHORT-TERM BOND ETFETP92193782741,458532,195SH DFND 532,19500
VANGUARD BD INDEX FD INC TOTAL BDETP92193783529,113133,294SH DFND2133,29400
MFC VANGUARD WHITEHALL FDS HIGH DIVIDENDYIELD ETF SHSETP92194640618,515164,944SH DFND 164,94400
MFC VANGUARD INTL EQUITY INDEX FDS VANGUARD FTSE ALL WORLD EX US ETFETP92204277565,6821,140,514SH DFND 1,140,51400
VANGUARD S/T CORP BOND ETFETP92206C40919,48919,700SH DFND 19,70000
VANGUARD LONG-TERM CORP BONDETP92206C81318,019192,362SH DFND 192,36200
VANGUARD INT-TERM CORPORATEETP92206C87018,6842,198,667SH DFND 2,198,66700
VANGUARD S&P 500 ETFETP922908363106,789257,217SH DFND 257,21700
VANGUARD EXTENDED MARKET ETFETP92290865231,816140,201SH DFND 140,20100
MFC VANGUARD INDEX FDS TOTAL STOCK MARKET ETFETP92290876910,07144,234SH DFND 44,23400
VERIZON COMMUNICATIONS INC COMCommon Stock92343V10446,069904,398SH DFND2,23904,39800
MFC VICTORY PORTFOLIOS II SHARES USAA CORE INTERMEDIATE TERM BONDETP92647N52788,3831,776,863SH DFND 1,776,86300
WALMART INCCommon Stock93114210311,27475,708SH DFND2375,70800
WASTE MANAGEMENT INCCommon Stock94106L1096,71642,370SH DFND2342,37000
ISHARES SHORT-TERM NATIONAL MUNIETP4642881581,44213,784SH DFND213,78400
INDEXIQ ETF TR IQ MERGER ARBITRAGEETP45409B8001,40744,054SH DFND244,05400
VANGUARD SCOTTSDALE FDS VANGUARDETP92206C7712,94458,757SH DFND258,75700
VANGUARD MALVERN FDS SHORT-TERMETP9220208051,94838,031SH DFND238,03100
PRINCIPAL EXCHANGE TRADED FDSETP74255Y8881,76492,917SH DFND292,91700
SEAGATE TECHNOLOGY HOLDINGSCommon StockG7997R1037,77286,455SH DFND2386,45500
ISHARES GOLD TR ISHARES NEWETP4642852045,382146,123SH DFND2146,12300
COINBASE GLOBAL INC -CLASS ACommon Stock19260Q107102,524540,000SH DFND29540,00000
RANI THERAPEUTICS HOLDINGS-ACommon Stock7530181006,498481,300SH DFND23481,30000
WEBSTER FINANCIAL CORPCommon Stock9478901094,31476,860SH DFND2376,86000