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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   361,834 3,573 SH   DFND   3,450 0 123
ABBVIE INC COM 00287Y109   1,197,183 7,512 SH   DFND   7,224 0 288
ALPHABET INC CAP STK CL A 02079K305   298,974 2,882 SH   DFND   1,875 0 1,007
ALPHABET INC CAP STK CL C 02079K107   362,832 3,489 SH   DFND   1,576 0 1,913
AMAZON COM INC COM 023135106   519,709 5,032 SH   DFND   2,838 0 2,194
AMERICAN WTR WKS CO INC NEW COM 030420103   213,062 1,454 SH   DFND   1,147 0 307
AMERIPRISE FINL INC COM 03076C106   473,236 1,544 SH   DFND   1,544 0 0
ANALOG DEVICES INC COM 032654105   3,487,309 17,682 SH   DFND   0 0 17,682
APPLE INC COM 037833100   11,375,599 68,985 SH   DFND   47,132 0 21,853
APPLIED MATLS INC COM 038222105   1,005,118 8,183 SH   DFND   8,183 0 0
AT&T INC COM 00206R102   456,683 23,724 SH   DFND   20,572 0 3,152
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   729,697 2,363 SH   DFND   1,364 0 999
BOEING CO COM 097023105   514,767 2,423 SH   DFND   1,198 0 1,225
CATERPILLAR INC COM 149123101   352,900 1,542 SH   DFND   1,245 0 297
CHARGE ENTERPRISES INC COM 159610104   44,000 40,000 SH   DFND   0 0 40,000
CHEVRON CORP NEW COM 166764100   671,290 4,114 SH   DFND   3,108 0 1,006
CHURCH & DWIGHT CO INC COM 171340102   283,178 3,203 SH   DFND   0 0 3,203
CISCO SYS INC COM 17275R102   301,642 5,770 SH   DFND   5,235 0 535
COCA COLA CO COM 191216100   433,165 6,983 SH   DFND   5,836 0 1,147
COMCAST CORP NEW CL A 20030N101   202,906 5,352 SH   DFND   4,850 0 502
DEERE & CO COM 244199105   640,178 1,551 SH   DFND   1,436 0 115
DIREXION SHS ETF TR DLY TECH BULL 3X 25459W102   241,701 6,501 SH   SOLE   0 0 6,501
DIREXION SHS ETF TR DLY SCOND 3XBU 25459W458   272,670 14,900 SH   SOLE   0 0 14,900
DIREXION SHS ETF TR DRX S&P500BULL 25459W862   1,885,891 25,771 SH   DFND   19,668 0 6,103
DISNEY WALT CO COM 254687106   406,766 4,062 SH   DFND   3,120 0 942
DUKE ENERGY CORP NEW COM NEW 26441C204   211,077 2,188 SH   DFND   2,188 0 0
ESSENTIAL UTILS INC COM 29670G102   291,365 6,675 SH   DFND   6,675 0 0
EXXON MOBIL CORP COM 30231G102   1,605,864 14,644 SH   DFND   4,620 0 10,024
FIDELITY COMWLTH TR NASDAQ COMPSIT 315912808   292,626 6,103 SH   DFND   4,022 0 2,081
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865   250,870 5,725 SH   DFND   1,619 0 4,106
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204   626,999 9,575 SH   DFND   3,252 0 6,323
FIDELITY COVINGTON TRUST MSCI COMMNTN SVC 316092873   512,730 14,009 SH   DFND   6,161 0 7,848
FIDELITY COVINGTON TRUST MSCI ENERGY IDX 316092402   472,607 21,061 SH   DFND   10,822 0 10,239
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600   904,774 14,719 SH   DFND   8,829 0 5,890
GENERAL MLS INC COM 370334104   398,671 4,665 SH   DFND   4,135 0 530
HOME DEPOT INC COM 437076102   701,427 2,377 SH   DFND   2,113 0 264
HONEYWELL INTL INC COM 438516106   273,875 1,433 SH   DFND   1,271 0 162
IDEXX LABS INC COM 45168D104   1,649,264 3,298 SH   DFND   2,555 0 743
INTEL CORP COM 458140100   776,285 23,761 SH   DFND   22,438 0 1,323
INTERNATIONAL BUSINESS MACHS COM 459200101   234,877 1,792 SH   DFND   1,709 0 83
INVESCO QQQ TR UNIT SER 1 46090E103   544,209 1,696 SH   DFND   1,036 0 660
ISHARES INC CORE MSCI EMKT 46434G103   1,229,967 25,209 SH   DFND   20,915 0 4,294
ISHARES INC MSCI CDA ETF 464286509   582,940 17,055 SH   DFND   15,312 0 1,743
ISHARES TR US CONSM STAPLES 464287812   405,447 2,035 SH   DFND   1,318 0 717
ISHARES TR US HLTHCR PR ETF 464288828   328,613 1,329 SH   DFND   59 0 1,270
ISHARES TR US INDUSTRIALS 464287754   575,981 5,751 SH   DFND   2,961 0 2,790
ISHARES TR US TREAS BD ETF 46429B267   417,170 17,843 SH   DFND   17,452 0 391
ISHARES TR CORE US AGGBD ET 464287226   57,654,430 578,627 SH   DFND   443,718 0 134,909
ISHARES TR CORE S&P500 ETF 464287200   211,815,667 515,266 SH   DFND   424,554 0 90,712
ISHARES TR US AER DEF ETF 464288760   395,736 3,439 SH   DFND   2,184 0 1,255
ISHARES TR CORE S&P TTL STK 464287150   669,033 7,389 SH   DFND   4,395 0 2,994
ISHARES TR CORE S&P SCP ETF 464287804   643,574 6,655 SH   DFND   4,116 0 2,539
ISHARES TR CORE S&P MCP ETF 464287507   827,511 3,308 SH   DFND   2,546 0 762
ISHARES TR CORE MSCI TOTAL 46432F834   35,918,740 579,802 SH   DFND   491,992 0 87,810
ISHARES TR CORE MSCI EURO 46434V738   747,568 14,272 SH   DFND   13,254 0 1,018
ISHARES TR CORE MSCI EAFE 46432F842   799,497 11,960 SH   DFND   10,259 0 1,701
ISHARES TR CORE INTL AGGR 46435G672   3,967,478 81,052 SH   DFND   58,975 0 22,077
ISHARES TR CORE 1 5 YR USD 46432F859   3,005,619 63,739 SH   DFND   52,969 0 10,770
ISHARES TR BLACKROCK ULTRA 46434V878   344,263 6,851 SH   DFND   500 0 6,351
ISHARES TR 0-5YR INVT GR CP 46434V100   8,237,125 169,908 SH   DFND   152,385 0 17,523
ISHARES TR U.S. TECH ETF 464287721   921,481 9,929 SH   DFND   6,509 0 3,420
ISHARES TR U.S. MED DVC ETF 464288810   4,572,734 84,712 SH   DFND   77,239 0 7,473
ISHARES TR U.S. FINLS ETF 464287788   566,221 7,959 SH   DFND   5,687 0 2,272
ISHARES TR U.S. FIN SVC ETF 464287770   305,996 2,027 SH   DFND   52 0 1,975
ISHARES TR TIPS BD ETF 464287176   2,044,671 18,546 SH   DFND   16,228 0 2,318
ISHARES TR SHRT NAT MUN ETF 464288158   339,268 3,241 SH   DFND   2,483 0 758
ISHARES TR SHORT TREAS BD 464288679   526,975 4,769 SH   DFND   4,127 0 642
ISHARES TR S&P 500 VAL ETF 464287408   5,866,212 38,655 SH   DFND   33,411 0 5,244
ISHARES TR S&P 500 GRWT ETF 464287309   5,550,796 86,881 SH   DFND   82,592 0 4,289
ISHARES TR RUSSELL 2000 ETF 464287655   1,376,250 7,714 SH   DFND   5,663 0 2,051
ISHARES TR RUSEL 2500 ETF 46435G268   1,303,575 23,779 SH   DFND   18,405 0 5,374
ISHARES TR RUS 1000 VAL ETF 464287598   550,573 3,616 SH   DFND   1,583 0 2,033
ISHARES TR RUS 1000 GRW ETF 464287614   306,879 1,256 SH   DFND   737 0 519
ISHARES TR PFD AND INCM SEC 464288687   303,215 9,712 SH   DFND   6,670 0 3,042
ISHARES TR NATIONAL MUN ETF 464288414   841,234 7,808 SH   DFND   7,571 0 237
ISHARES TR MSCI USA MIN VOL 46429B697   418,288 5,750 SH   DFND   5,529 0 221
ISHARES TR MSCI USA ESG SLC 464288802   7,659,538 87,268 SH   DFND   78,730 0 8,538
ISHARES TR MSCI KLD400 SOC 464288570   1,548,012 19,849 SH   DFND   19,481 0 368
ISHARES TR MSCI ACWI EX US 464288240   8,619,555 176,739 SH   DFND   154,259 0 22,480
ISHARES TR MSCI ACWI ETF 464288257   8,195,681 89,904 SH   DFND   81,528 0 8,376
ISHARES TR JPMORGAN USD EMG 464288281   320,967 3,720 SH   DFND   3,672 0 48
ISHARES TR ISHS 1-5YR INVS 464288646   17,524,711 346,749 SH   DFND   311,133 0 35,616
ISHARES TR IBONDS DEC23 ETF 46434VAX8   639,163 25,374 SH   DFND   24,863 0 511
ISHARES TR GLOBAL TECH ETF 464287291   1,899,165 34,937 SH   DFND   32,279 0 2,658
ISHARES TR FLTG RATE NT ETF 46429B655   2,504,237 49,697 SH   DFND   45,432 0 4,265
ISHARES TR ESG MSCI LEADR 46435U218   448,938 6,300 SH   DFND   6,300 0 0
ISHARES TR ESG AWRE USD ETF 46435G193   601,636 26,141 SH   DFND   5,519 0 20,622
ISHARES TR ESG AWRE 1 5 YR 46435G243   2,416,770 100,448 SH   DFND   77,771 0 22,677
ISHARES TR ESG AWR US AGRGT 46435U549   309,987 6,450 SH   DFND   6,450 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   1,080,657 11,948 SH   DFND   11,740 0 208
ISHARES TR ESG AWARE MSCI 46435U663   1,500,670 44,150 SH   DFND   40,652 0 3,498
ISHARES TR CORE S&P US VLU 464287663   4,504,444 61,052 SH   DFND   42,843 0 18,209
ISHARES TR ESG AW MSCI EAFE 46435G516   2,367,898 32,961 SH   DFND   30,010 0 2,951
ISHARES TR US TELECOM ETF 464287713   252,444 10,900 SH   SOLE   0 0 10,900
ISHARES TR 1 3 YR TREAS BD 464287457   4,865,655 59,222 SH   DFND   53,682 0 5,540
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   347,696 7,010 SH   DFND   6,232 0 778
JOHNSON & JOHNSON COM 478160104   2,075,716 13,392 SH   DFND   12,562 0 830
JPMORGAN CHASE & CO COM 46625H100   933,446 7,163 SH   DFND   6,143 0 1,020
LILLY ELI & CO COM 532457108   336,634 980 SH   DFND   872 0 108
LOWES COS INC COM 548661107   202,795 1,014 SH   DFND   983 0 31
MARRIOTT INTL INC NEW CL A 571903202   383,232 2,308 SH   DFND   2,308 0 0
MCDONALDS CORP COM 580135101   914,107 3,269 SH   DFND   2,669 0 600
MEDTRONIC PLC SHS G5960L103   1,460,605 18,117 SH   DFND   17,098 0 1,019
MERCK & CO INC COM 58933Y105   1,179,101 11,083 SH   DFND   8,870 0 2,213
MICROSOFT CORP COM 594918104   2,151,225 7,462 SH   DFND   6,220 0 1,242
NATIONAL STORAGE AFFILIATES COM SHS BEN IN 637870106   261,042 6,248 SH   DFND   458 0 5,790
NEXTERA ENERGY INC COM 65339F101   1,038,609 13,474 SH   DFND   12,563 0 911
NIKE INC CL B 654106103   228,660 1,864 SH   DFND   1,069 0 795
NUSHARES ETF TR NUVEEN ESG US 67092P870   4,499,940 201,344 SH   DFND   185,624 0 15,720
OTIS WORLDWIDE CORP COM 68902V107   213,043 2,524 SH   DFND   2,351 0 173
PEPSICO INC COM 713448108   1,047,085 5,744 SH   DFND   4,864 0 880
PFIZER INC COM 717081103   448,878 11,002 SH   DFND   9,620 0 1,382
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   203,661 2,052 SH   DFND   2,052 0 0
PIMCO ETF TR 0-5 HIGH YIELD 72201R783   676,757 7,412 SH   DFND   6,628 0 784
PROCTER AND GAMBLE CO COM 742718109   1,553,277 10,446 SH   DFND   9,369 0 1,077
PROSHARES TR PSHS ULT S&P 500 74347R107   303,259 6,041 SH   DFND   3,041 0 3,000
QUALCOMM INC COM 747525103   426,245 3,341 SH   DFND   3,270 0 71
RAYTHEON TECHNOLOGIES CORP COM 75513E101   756,449 7,724 SH   DFND   6,256 0 1,468
SALESFORCE INC COM 79466L302   1,166,668 5,840 SH   DFND   2,532 0 3,308
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   488,862 8,433 SH   DFND   7,670 0 763
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   308,544 9,597 SH   DFND   7,661 0 1,936
SELECT SECTOR SPDR TR ENERGY 81369Y506   297,127 3,587 SH   DFND   1,208 0 2,379
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   403,908 2,701 SH   DFND   2,701 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   274,274 1,816 SH   DFND   1,816 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   219,917 3,249 SH   DFND   2,350 0 899
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   429,004 3,314 SH   DFND   3,228 0 86
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   207,918 2,783 SH   DFND   2,715 0 68
SPDR S&P 500 ETF TR TR UNIT 78462F103   4,081,421 9,970 SH   DFND   7,729 0 2,241
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   972,913 23,712 SH   DFND   23,439 0 273
TE CONNECTIVITY LTD SHS H84989104   992,083 7,564 SH   DFND   7,386 0 178
TESLA INC COM 88160R101   248,397 1,197 SH   DFND   113 0 1,084
THE CIGNA GROUP COM 125523100   201,614 789 SH   DFND   777 0 12
THERMO FISHER SCIENTIFIC INC COM 883556102   321,096 557 SH   DFND   548 0 9
UNION PAC CORP COM 907818108   238,958 1,187 SH   DFND   505 0 682
UNITEDHEALTH GROUP INC COM 91324P102   494,646 1,047 SH   DFND   723 0 324
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   32,468,262 424,477 SH   DFND   360,205 0 64,272
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   14,934,235 202,279 SH   DFND   182,056 0 20,223
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,052,261 62,393 SH   DFND   60,784 0 1,609
VANGUARD INDEX FDS LARGE CAP ETF 922908637   310,852 1,664 SH   DFND   632 0 1,032
VANGUARD INDEX FDS GROWTH ETF 922908736   2,999,467 12,025 SH   DFND   9,908 0 2,117
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   33,749,282 240,722 SH   DFND   196,836 0 43,886
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   354,290 4,266 SH   DFND   2,742 0 1,524
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   23,893,394 63,534 SH   DFND   49,946 0 13,588
VANGUARD INDEX FDS SMALL CP ETF 922908751   461,958 2,437 SH   DFND   1,723 0 714
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,452,412 16,915 SH   DFND   14,119 0 2,796
VANGUARD INDEX FDS VALUE ETF 922908744   3,109,922 22,518 SH   DFND   16,972 0 5,546
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   43,443,986 812,493 SH   DFND   659,084 0 153,409
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,300,159 56,935 SH   DFND   49,055 0 7,880
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   3,663,804 60,112 SH   DFND   51,691 0 8,421
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866   2,167,799 31,964 SH   DFND   29,044 0 2,920
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   208,769 2,267 SH   DFND   2,012 0 255
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   619,767 13,314 SH   DFND   12,453 0 861
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   778,857 10,217 SH   DFND   7,354 0 2,863
VANGUARD SCOTTSDALE FDS TOTAL WLD BD ETF 92206C565   4,251,421 61,633 SH   DFND   59,507 0 2,126
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,249,903 21,102 SH   DFND   13,693 0 7,409
VANGUARD STAR FDS VG TL INTL STK F 921909768   22,394,934 405,632 SH   DFND   272,151 0 133,481
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,583,259 57,190 SH   DFND   46,409 0 10,781
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   279,159 4,506 SH   DFND   416 0 4,090
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   499,378 4,733 SH   DFND   2,737 0 1,996
VANGUARD WORLD FD ESG US STK ETF 921910733   4,019,756 56,056 SH   DFND   41,639 0 14,417
VANGUARD WORLD FD ESG INTL STK ETF 921910725   6,406,241 122,350 SH   DFND   101,903 0 20,447
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   222,510 1,150 SH   DFND   82 0 1,068
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,150,006 2,983 SH   DFND   1,628 0 1,355
VANGUARD WORLD FDS UTILITIES ETF 92204A876   1,461,051 9,904 SH   DFND   6,826 0 3,078
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,241,597 5,207 SH   DFND   3,472 0 1,735
VERIZON COMMUNICATIONS INC COM 92343V104   477,980 12,291 SH   DFND   9,498 0 2,793
VISA INC COM CL A 92826C839   200,004 887 SH   DFND   618 0 269
WALMART INC COM 931142103   322,364 2,186 SH   DFND   1,543 0 643
WATSCO INC COM 942622200   808,127 2,540 SH   DFND   2,500 0 40
WISDOMTREE TR US QTLY DIV GRT 97717X669   222,506 3,569 SH   DFND   1,869 0 1,700
WISDOMTREE TR ENHNCD CMMDTY ST 97717Y683   363,278 20,329 SH   DFND   16,346 0 3,983
WISDOMTREE TR US ESG FUND 97717W596   6,325,836 146,746 SH   DFND   135,271 0 11,475
YUM BRANDS INC COM 988498101   691,703 5,237 SH   DFND   5,237 0 0
YUM CHINA HLDGS INC COM 98850P109   523,919 8,265 SH   DFND   8,265 0 0