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
22nd Century Group Inc COM 90137F103 341 160,000 SH   DFND   160,000 0 0
3M Co COM 88579Y101 6,791 52,471 SH   DFND   52,036 0 435
ADVANCED MICRO DEV COM 007903107 468 6,122 SH   DFND   6,122 0 0
ALPHABET INC CAP STK CL A 02079K305 11,607 5,326 SH   DFND   5,272 0 54
AMER EXPRESS CO COM 025816109 307 2,214 SH   DFND   1,914 0 300
AMETEK Inc COM 031100100 1,157 10,522 SH   DFND   10,102 0 420
ANALOG DEVICES INC COM 032654105 249 1,708 SH   DFND   1,363 0 345
APPLIED MATERIALS COM 038222105 898 9,862 SH   DFND   8,602 0 1,260
ASML HOLDING NV N Y REGISTRY SHS N07059210 2,152 4,522 SH   DFND   4,522 0 0
AT&T INC COM 00206R102 1,840 87,791 SH   DFND   85,337 0 2,454
AUTOMATIC DATA PROCESSING COM 053015103 12,565 59,820 SH   DFND   57,320 0 2,500
AVERY DENNISON CORP COM 053611109 258 1,596 SH   DFND   1,596 0 0
AbbVie Inc COM 00287Y109 12,914 84,320 SH   DFND   81,520 0 2,800
Abbott Laboratories COM 002824100 17,697 162,882 SH   DFND   159,528 0 3,354
Accenture PLC SHS CLASS A G1151C101 4,230 15,235 SH   DFND   15,027 0 208
Adobe Inc COM 00724F101 3,752 10,248 SH   DFND   9,994 0 254
Aflac Inc COM 001055102 455 8,230 SH   DFND   7,380 0 850
Air Products and Chemicals Inc COM 009158106 7,113 29,575 SH   DFND   27,718 0 1,857
Akamai Technologies Inc COM 00971T101 842 9,221 SH   DFND   9,199 0 22
Allstate Corp/The COM 020002101 229 1,809 SH   DFND   1,184 0 625
Alphabet Inc CAP STK CL C 02079K107 3,749 1,714 SH   DFND   1,664 0 50
Altria Group Inc COM 02209S103 324 7,755 SH   DFND   7,605 0 150
Amazon.com Inc COM 023135106 9,813 92,389 SH   DFND   91,529 0 860
American Tower Corp COM 03027X100 2,326 9,104 SH   DFND   8,719 0 385
American Water Works Co Inc COM 030420103 964 6,477 SH   DFND   6,377 0 100
Amgen Inc COM 031162100 978 4,020 SH   DFND   4,020 0 0
Amphenol Corp CL A 032095101 1,884 29,263 SH   DFND   29,231 0 32
Aon PLC SHS CL A G0403H108 1,034 3,833 SH   DFND   3,833 0 0
Apple Inc COM 037833100 42,205 308,700 SH   DFND   296,296 0 12,404
AutoZone Inc COM 053332102 2,020 940 SH   DFND   940 0 0
AvalonBay Communities Inc COM 053484101 2,109 10,857 SH   DFND   10,841 0 16
BAKER HUGHES INC CL A 05722G100 8,971 310,732 SH   DFND   308,921 0 1,811
BALL CORP COM 058498106 4,604 66,937 SH   DFND   66,737 0 200
BARRICK GOLD CORP COM 067901108 6,711 379,358 SH   DFND   376,858 0 2,500
BAXTER INTL INC COM 071813109 250 3,887 SH   DFND   3,887 0 0
BECTON DICKINSON COM 075887109 2,149 8,717 SH   DFND   8,717 0 0
BERKSHIRE HATHAWAY CL A 084670108 409 1 SH   DFND   1 0 0
BK OF AMERICA CORP COM 060505104 3,608 115,898 SH   DFND   115,697 0 201
BOEING CO COM 097023105 238 1,739 SH   DFND   1,503 0 236
BP PLC SPONSORED ADR 055622104 497 17,536 SH   DFND   17,094 0 442
BRISTOL-MYRS SQUIB COM 110122108 3,040 39,482 SH   DFND   38,182 0 1,300
BROOKFIELD ASSET M CL A LTD VT SH 112585104 8,442 189,842 SH   DFND   188,842 0 1,000
Bar Harbor Bankshares COM 066849100 10,882 420,807 SH   DFND   14,500 0 406,307
Berkshire Hathaway Inc CL B NEW 084670702 11,912 43,631 SH   DFND   42,948 0 683
BlackRock Inc COM 09247X101 807 1,326 SH   DFND   1,316 0 10
Blackstone Inc COM 09260D107 515 5,640 SH   DFND   5,580 0 60
Booking Holdings Inc COM 09857L108 1,924 1,100 SH   DFND   1,099 0 1
Booz Allen Hamilton Holding Co CL A 099502106 5,892 65,204 SH   DFND   64,804 0 400
Broadcom Inc COM 11135F101 316 650 SH   DFND   350 0 300
Brookfield Renewable Partners CL A SUB VTG 11284V105 1,929 54,186 SH   DFND   51,536 0 2,650
Brookline Bancorp Inc COM 11373M107 498 37,430 SH   DFND   37,430 0 0
Brown & Brown Inc COM 115236101 8,846 151,618 SH   DFND   150,718 0 900
CARRIER GLOBAL CORP COM 14448C104 404 11,332 SH   DFND   8,815 0 2,517
CDW Corp/DE COM 12514G108 1,124 7,133 SH   DFND   7,133 0 0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC US DIVIDEND EQ 808524797 573 8,000 SH   DFND   8,000 0 0
CHUBB LIMITED COM COM H1467J104 4,040 20,552 SH   DFND   19,247 0 1,305
CINTAS CORP COM 172908105 961 2,573 SH   DFND   2,573 0 0
CISCO SYSTEMS COM 17275R102 4,496 105,442 SH   DFND   105,181 0 261
COGNIZANT TECHNOLO CL A 192446102 881 13,052 SH   DFND   13,022 0 30
COLGATE-PALMOLIVE COM 194162103 12,269 153,095 SH   DFND   153,095 0 0
CONOCOPHILLIPS COM 20825C104 390 4,347 SH   DFND   3,203 0 1,144
CORNING INC COM 219350105 1,762 55,921 SH   DFND   54,771 0 1,150
CSX CORP COM 126408103 2,407 82,842 SH   DFND   70,842 0 12,000
CVS Health Corp COM 126650100 8,157 88,031 SH   DFND   87,531 0 500
Campbell Soup Co COM 134429109 250 5,200 SH   DFND   4,800 0 400
Capri Holdings Ltd SHS G1890L107 1,113 27,135 SH   DFND   27,135 0 0
Caterpillar Inc COM 149123101 10,135 56,700 SH   DFND   56,650 0 50
Chevron Corp COM 166764100 16,498 113,952 SH   DFND   113,064 0 888
Church & Dwight Co Inc COM 171340102 269 2,907 SH   DFND   2,907 0 0
Clorox Co/The COM 189054109 376 2,669 SH   DFND   2,669 0 0
Coca-Cola Co/The COM 191216100 4,405 70,018 SH   DFND   69,058 0 960
Comcast Corp CL A 20030N101 3,534 90,062 SH   DFND   87,799 0 2,263
Consolidated Edison Inc COM 209115104 406 4,266 SH   DFND   4,166 0 100
Constellation Brands Inc CL A 21036P108 362 1,552 SH   DFND   1,552 0 0
Costco Wholesale Corp COM 22160K105 18,835 39,299 SH   DFND   39,106 0 193
DEERE & CO COM 244199105 601 2,004 SH   DFND   1,954 0 50
DIAGEO SPON ADR NEW 25243Q205 223 1,280 SH   DFND   880 0 400
DOMINION RES(VIR) COM 25746U109 2,857 35,806 SH   DFND   35,593 0 213
DTE Energy Co COM 233331107 252 1,992 SH   DFND   1,852 0 140
DUKE ENERGY CORP COM NEW 26441C204 368 3,425 SH   DFND   3,425 0 0
Danaher Corp COM 235851102 9,011 35,542 SH   DFND   35,107 0 435
Dollar Tree Inc COM 256746108 1,313 8,422 SH   DFND   8,422 0 0
Dover Corp COM 260003108 834 6,880 SH   DFND   6,600 0 280
Dow Inc COM 260557103 1,002 19,416 SH   DFND   18,631 0 785
Dreyfus Funds/Closed-end/USA COM SHS 09662W109 220 16,900 SH   DFND   0 0 16,900
DuPont de Nemours Inc COM 26614N102 1,096 19,710 SH   DFND   18,960 0 750
ECOLAB INC COM 278865100 335 2,177 SH   DFND   2,132 0 45
EMERSON ELECTRIC COM 291011104 5,442 68,416 SH   DFND   68,416 0 0
EQUITY COMMONWEALTH 6.5% CNV PFD D 294628201 982 37,674 SH   DFND   37,674 0 0
Eaton Vance Management COM 27828N102 157 13,900 SH   DFND   13,900 0 0
Eaton Vance Management COM 27829F108 166 21,520 SH   DFND   21,520 0 0
Elevance Health Inc COM 036752103 471 976 SH   DFND   976 0 0
Eli Lilly & Co COM 532457108 26,482 81,676 SH   DFND   81,281 0 395
Equity LifeStyle Properties In COM 29472R108 1,143 16,220 SH   DFND   16,220 0 0
Essential Utilities Inc COM 29670G102 278 6,054 SH   DFND   6,054 0 0
Eversource Energy COM 30040W108 400 4,731 SH   DFND   4,731 0 0
Exxon Mobil Corp COM 30231G102 15,836 184,919 SH   DFND   176,115 0 8,804
FACEBOOK INC CL A 30303M102 2,549 15,805 SH   DFND   15,415 0 390
FEDEX CORP COM 31428X106 3,426 15,111 SH   DFND   15,095 0 16
FMC Corp COM NEW 302491303 464 4,339 SH   DFND   4,339 0 0
FNB Corp/PA COM 302520101 288 26,528 SH   DFND   26,528 0 0
Federated Advisory Services Co COM 31423P108 246 22,256 SH   DFND   0 0 22,256
First Bancorp Inc/The COM 31866P102 341 11,302 SH   DFND   11,302 0 0
GEN DYNAMICS CORP COM 369550108 207 937 SH   DFND   937 0 0
GLAXOSMITHKLINE SPONSORED ADR 37733W105 3,650 83,866 SH   DFND   83,866 0 0
General Electric Co COM NEW 369604301 259 4,076 SH   DFND   3,488 0 588
General Mills Inc COM 370334104 1,966 26,056 SH   DFND   24,776 0 1,280
Genuine Parts Co COM 372460105 778 5,851 SH   DFND   5,851 0 0
Gilead Sciences Inc COM 375558103 298 4,825 SH   DFND   4,525 0 300
Grupo Aeroportuario del Surest SPON ADR SER B 40051E202 5,896 30,020 SH   DFND   30,020 0 0
HORIZON THERAPEUTICS PLC SHS G46188101 2,683 33,634 SH   DFND   32,940 0 694
HP Inc COM 40434L105 209 6,351 SH   DFND   6,151 0 200
Hanover Insurance Group Inc/Th COM 410867105 227 1,550 SH   DFND   1,550 0 0
Home Depot Inc/The COM 437076102 8,275 30,170 SH   DFND   30,036 0 134
Honeywell International Inc COM 438516106 1,630 9,379 SH   DFND   9,020 0 359
IBM COM 459200101 8,329 58,988 SH   DFND   57,128 0 1,860
ILLINOIS TOOL WKS COM 452308109 1,019 5,595 SH   DFND   5,595 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 3,445 36,629 SH   DFND   36,005 0 624
ISHARES MSCI STH AFR ETF 464286780 683 16,065 SH   DFND   16,065 0 0
ISHARES SELECT DIVID ETF 464287168 869 7,387 SH   DFND   7,387 0 0
ISHARES CHINA LG-CAP ETF 464287184 1,224 36,094 SH   DFND   36,094 0 0
ISHARES CORE S&P500 ETF 464287200 39,226 103,457 SH   DFND   102,678 0 779
ISHARES IBOXX INV CP ETF 464287242 12,250 111,335 SH   DFND   110,739 0 596
ISHARES S&P 500 GRWT ETF 464287309 789 13,064 SH   DFND   12,488 0 576
ISHARES RUSSELL 2000 ETF 464287655 603 3,561 SH   DFND   3,561 0 0
ISHARES CORE MSCI EAFE 46432F842 461 7,841 SH   DFND   7,841 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 1,318 32,869 SH   DFND   32,719 0 150
ISHARES TRUST TIPS BD ETF 464287176 11,489 100,855 SH   DFND   99,828 0 1,027
ISHARES TRUST GLOBAL 100 ETF 464287572 229 3,570 SH   DFND   3,570 0 0
ISHARES TRUST IBOXX HI YD ETF 464288513 1,647 22,381 SH   DFND   22,231 0 150
ISHARES/USA S&P SML 600 GWT 464287887 286 2,711 SH   DFND   2,711 0 0
ISHARES/USA NATIONAL MUN ETF 464288414 528 4,968 SH   DFND   4,968 0 0
Intel Corp COM 458140100 3,658 97,790 SH   DFND   96,940 0 850
Invesco ETFs/USA UNIT SER 1 46090E103 9,724 34,693 SH   DFND   34,693 0 0
JPMorgan Chase & Co COM 46625H100 10,681 94,845 SH   DFND   94,576 0 269
Johnson & Johnson COM 478160104 44,939 253,159 SH   DFND   245,757 0 7,402
KIMBERLY-CLARK CP COM 494368103 1,605 11,876 SH   DFND   11,836 0 40
Kellogg Co COM 487836108 1,438 20,152 SH   DFND   20,152 0 0
Kinder Morgan Inc COM 49456B101 1,834 109,425 SH   DFND   108,790 0 635
Kraft Foods Inc CL A 609207105 383 6,170 SH   DFND   6,170 0 0
KraneShares ETFs/USA QUADRTC INT RT 500767736 1,788 70,560 SH   DFND   67,560 0 3,000
L3Harris Technologies Inc COM 502431109 4,609 19,069 SH   DFND   19,017 0 52
LEGG MASON PARTNERS FUND ADVISOR LLC COM 95766M105 192 18,122 SH   DFND   0 0 18,122
LOWE'S COS INC COM 548661107 2,098 12,014 SH   DFND   11,794 0 220
Lam Research Corp COM 512807108 2,858 6,705 SH   DFND   6,688 0 17
Linde PLC SHS G5494J103 1,348 4,688 SH   DFND   4,573 0 115
Lockheed Martin Corp COM 539830109 932 2,168 SH   DFND   2,168 0 0
M&T Bank Corp COM 55261F104 513 3,220 SH   DFND   3,161 0 59
MARSH & MCLENNAN COM 571748102 951 6,122 SH   DFND   5,998 0 124
MASTERCARD INC CL A 57636Q104 6,577 20,850 SH   DFND   20,798 0 52
MCCORMICK & CO INC COM NON VTG 579780206 241 2,894 SH   DFND   2,894 0 0
MCDONALD'S CORP COM 580135101 5,037 20,404 SH   DFND   18,714 0 1,690
MICROSOFT CORP COM 594918104 27,753 108,060 SH   DFND   103,482 0 4,578
MOODYS CORP COM 615369105 200 737 SH   DFND   737 0 0
Marathon Petroleum Corp COM 56585A102 467 5,679 SH   DFND   5,679 0 0
Medtronic PLC SHS G5960L103 287 3,205 SH   DFND   3,205 0 0
Merck & Co Inc COM 58933Y105 12,982 142,395 SH   DFND   140,720 0 1,675
NEXTERA ENERGY COM 65339F101 9,465 122,189 SH   DFND   118,998 0 3,191
NIKE INC CL B 654106103 6,950 68,005 SH   DFND   67,397 0 608
NORTHROP GRUMMAN COM 666807102 202 423 SH   DFND   423 0 0
NVIDIA Corp COM 67066G104 869 5,733 SH   DFND   5,653 0 80
Nelnet Inc CL A 64031N108 8,601 100,891 SH   DFND   100,491 0 400
Neuberger Berman Funds/Closed- COM 64124P101 207 18,465 SH   DFND   630 0 17,835
Norfolk Southern Corp COM 655844108 2,040 8,975 SH   DFND   8,775 0 200
Novartis AG SPONSORED ADR 66987V109 269 3,187 SH   DFND   2,637 0 550
Novo Holdings A/S ADR 670100205 18,213 163,453 SH   DFND   160,988 0 2,465
Nuveen Closed-End Funds/USA COM 670657105 208 17,711 SH   DFND   3,014 0 14,697
Nuveen Closed-End Funds/USA COM 67066V101 162 13,025 SH   DFND   2,550 0 10,475
Nuveen Closed-End Funds/USA COM 670928100 8,060 902,587 SH   DFND   884,587 0 18,000
OGE Energy Corp COM 670837103 528 13,704 SH   DFND   13,704 0 0
ORACLE CORP COM 68389X105 508 7,270 SH   DFND   6,500 0 770
Otis Worldwide Corp COM 68902V107 366 5,181 SH   DFND   3,923 0 1,258
PACCAR INC COM 693718108 8,473 102,901 SH   DFND   102,410 0 491
PARKER-HANNIFIN COM 701094104 5,732 23,296 SH   DFND   23,196 0 100
PEPSICO INC COM 713448108 11,944 71,667 SH   DFND   67,146 0 4,521
PHILIP MORRIS INTL COM 718172109 752 7,615 SH   DFND   7,615 0 0
PNC Financial Services Group I COM 693475105 656 4,160 SH   DFND   4,160 0 0
Paychex Inc COM 704326107 321 2,816 SH   DFND   2,816 0 0
Perrigo Co PLC SHS G97822103 6,097 150,279 SH   DFND   150,279 0 0
Pfizer Inc COM 717081103 13,144 250,704 SH   DFND   236,478 0 14,226
Pfizer Inc CL A 98978V103 288 1,674 SH   DFND   1,674 0 0
Phillips 66 COM 718546104 552 6,732 SH   DFND   6,180 0 552
Procter & Gamble Co/The COM 742718109 14,558 101,248 SH   DFND   95,846 0 5,402
QUALCOMM INC COM 747525103 3,807 29,803 SH   DFND   29,079 0 724
ROCKWELL AUTOMATION COM 773903109 1,444 7,246 SH   DFND   6,546 0 700
ROPER INDUSTRIES INC COM 776696106 2,433 6,165 SH   DFND   6,003 0 162
Raytheon Technologies Corp COM 75513E101 2,245 23,363 SH   DFND   20,253 0 3,110
S&P Global Inc COM 78409V104 641 1,902 SH   DFND   1,902 0 0
SANDSTORM GOLD LTD COM NEW 80013R206 6,226 1,046,416 SH   DFND   1,028,396 0 18,020
SELECT SECTOR SPDR SBI MATERIALS 81369Y100 2,201 29,906 SH   DFND   29,829 0 77
SELECT SECTOR SPDR SBI HEALTHCARE 81369Y209 19,655 153,272 SH   DFND   152,987 0 285
SELECT SECTOR SPDR SBI CONS STPLS 81369Y308 11,955 165,624 SH   DFND   165,447 0 177
SELECT SECTOR SPDR SBI CONS DISCR 81369Y407 18,943 137,783 SH   DFND   137,523 0 260
SELECT SECTOR SPDR ENERGY 81369Y506 6,359 88,931 SH   DFND   88,840 0 91
SELECT SECTOR SPDR FINANCIAL 81369Y605 13,779 438,148 SH   DFND   436,891 0 1,257
SELECT SECTOR SPDR TECHNOLOGY 81369Y803 66,085 519,861 SH   DFND   518,975 0 886
SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 2,748 39,181 SH   DFND   39,087 0 94
SPDR GOLD TRUST GOLD SHS 78463V107 532 3,159 SH   DFND   2,959 0 200
SSGA Funds Management Inc S&P DIVID ETF 78464A763 1,310 11,039 SH   DFND   10,729 0 310
STARBUCKS CORP COM 855244109 2,867 37,541 SH   DFND   37,484 0 57
STATE STREET ETF/USA NUVEEN BLOOMBERG 78464A284 392 7,624 SH   DFND   0 0 7,624
STATE STREET ETF/USA UTSER1 S&PDCRP 78467Y107 406 983 SH   DFND   983 0 0
Schlumberger NV COM STK 806857108 335 9,380 SH   DFND   8,880 0 500
Sealed Air Corp COM 81211K100 1,407 24,372 SH   DFND   24,320 0 52
Southern Co/The COM 842587107 534 7,485 SH   DFND   7,285 0 200
State Street ETF/USA TR UNIT 78462F103 3,780 10,019 SH   DFND   10,019 0 0
State Street ETF/USA SBI INT-INDS 81369Y704 13,927 159,459 SH   DFND   159,283 0 176
State Street ETF/USA COMMUNICATION 81369Y852 4,177 76,971 SH   DFND   76,648 0 323
State Street ETF/USA RL EST SEL SEC 81369Y860 2,754 67,398 SH   DFND   67,253 0 145
Synopsys Inc COM 871607107 2,807 9,242 SH   DFND   9,181 0 61
Sysco Corp COM 871829107 10,943 129,181 SH   DFND   127,821 0 1,360
TEXAS INSTRUMENTS COM 882508104 1,530 9,961 SH   DFND   9,901 0 60
TJX Cos Inc/The COM 872540109 5,254 94,076 SH   DFND   93,626 0 450
TRACTOR SUPPLY CO COM 892356106 1,613 8,323 SH   DFND   8,208 0 115
TRAVELERS CO INC COM 89417E109 234 1,383 SH   DFND   1,383 0 0
Target Corp COM 87612E106 882 6,250 SH   DFND   6,188 0 62
Tesla Inc COM 88160R101 346 514 SH   DFND   514 0 0
Texas Pacific Land Corp COM 88262P102 12,437 8,358 SH   DFND   8,313 0 45
Thermo Fisher Scientific Inc COM 883556102 6,721 12,372 SH   DFND   12,165 0 207
Timken Co/The COM 887389104 1,893 35,684 SH   DFND   35,684 0 0
UTD PARCEL SERV CL B 911312106 15,877 86,980 SH   DFND   86,630 0 350
Unilever PLC SPON ADR NEW 904767704 210 4,575 SH   DFND   4,575 0 0
Union Pacific Corp COM 907818108 1,512 7,090 SH   DFND   7,090 0 0
UnitedHealth Group Inc COM 91324P102 6,557 12,767 SH   DFND   12,642 0 125
VANGUARD S&P 500 ETF SHS 922908363 1,901 5,479 SH   DFND   5,479 0 0
VANGUARD ETF/USA SHRT TRM CORP BD 92206C409 3,564 46,726 SH   DFND   46,726 0 0
VERIZON COMMUN COM 92343V104 7,006 138,039 SH   DFND   133,912 0 4,127
VISA INC COM CL A 92826C839 3,265 16,582 SH   DFND   16,542 0 40
Valero Energy Corp COM 91913Y100 1,453 13,668 SH   DFND   13,668 0 0
Van Kampen Funds/Closed-end/US COM 46132C107 190 18,420 SH   DFND   0 0 18,420
Vanguard ETF/USA FTSE DEV MKT ETF 921943858 9,805 240,303 SH   DFND   238,682 0 1,621
Vanguard ETF/USA FTSE EMR MKT ETF 922042858 5,749 138,015 SH   DFND   134,164 0 3,851
Vanguard ETF/USA REAL ESTATE ETF 922908553 434 4,762 SH   DFND   4,762 0 0
Vanguard ETF/USA MID CAP ETF 922908629 1,890 9,595 SH   DFND   9,595 0 0
Vanguard ETF/USA SMALL CP ETF 922908751 414 2,353 SH   DFND   2,353 0 0
Vanguard ETF/USA TOTAL STK MKT 922908769 347 1,838 SH   DFND   1,838 0 0
WASTE MANAGEMENT COM 94106L109 4,272 27,926 SH   DFND   27,803 0 123
WEYERHAEUSER CO COM NEW 962166104 2,790 84,240 SH   DFND   83,526 0 714
WISDOMTREE ASSET MANAGEMENT INC US LARGECAP FUND 97717W588 420 10,296 SH   DFND   10,296 0 0
Walgreens Boots Alliance Inc COM 931427108 3,518 92,816 SH   DFND   92,816 0 0
Walmart Inc COM 931142103 6,261 51,495 SH   DFND   51,378 0 117
Walt Disney Co/The COM 254687106 3,838 40,654 SH   DFND   39,600 0 1,054
Western Asset Trust Closed End COM 95766P108 231 18,505 SH   DFND   0 0 18,505
Western Asset Trust Closed End COM 958435109 122 15,110 SH   DFND   0 0 15,110
Xcel Energy Inc COM 98389B100 582 8,222 SH   DFND   8,222 0 0
YUM BRANDS INC COM 988498101 592 5,213 SH   DFND   5,213 0 0
ZIMMER HLDGS INC COM 98956P102 2,554 24,308 SH   DFND   24,265 0 43
iShares ETFs/USA CORE S&P TTL STK 464287150 4,543 54,223 SH   DFND   54,223 0 0
iShares ETFs/USA CORE US AGGBD ET 464287226 65,683 645,978 SH   DFND   639,482 0 6,496
iShares ETFs/USA BARCLAYS 7 10 YR 464287440 440 4,303 SH   DFND   4,303 0 0
iShares ETFs/USA MSCI EAFE ETF 464287465 1,704 27,262 SH   DFND   27,112 0 150
iShares ETFs/USA RUS MID CAP ETF 464287499 416 6,439 SH   DFND   6,439 0 0
iShares ETFs/USA CORE S&P MCP ETF 464287507 21,116 93,339 SH   DFND   92,853 0 486
iShares ETFs/USA S&P MC 400GR ETF 464287606 446 7,011 SH   DFND   6,831 0 180
iShares ETFs/USA S&P MC 400VL ETF 464287705 232 2,465 SH   DFND   2,355 0 110
iShares ETFs/USA CORE S&P SCP ETF 464287804 19,958 215,964 SH   DFND   213,922 0 2,042
iShares ETFs/USA MBS ETF 464288588 535 5,488 SH   DFND   5,378 0 110
iShares ETFs/USA ISHS 5-10YR INVT 464288638 5,226 102,353 SH   DFND   101,799 0 554
iShares ETFs/USA ISHS 1-5YR INVS 464288646 27,945 552,818 SH   DFND   548,569 0 4,249
iShares ETFs/USA 3 7 YR TREAS BD 464288661 624 5,229 SH   DFND   5,229 0 0
iShares ETFs/USA PFD AND INCM SEC 464288687 995 30,260 SH   DFND   28,760 0 1,500