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
AFLAC COM 001055102 975 22,654 SH   DFND   22,654 0 0
ANI PHARMACEUTICALS INC COM 00182C103 818 12,240 SH   DFND   12,240 0 0
ALPHABET INC CL C CAP STK CL C 02079K107 2,358 2,114 SH   DFND   2,114 0 0
ALPINE GROUP, INC. COM 020825600 26 777,928 SH   DFND   777,928 0 0
AMETEK INC COM 031100100 205 2,837 SH   DFND   2,837 0 0
AMGEN INC COM 031162100 12,454 67,470 SH   DFND   67,470 0 0
ANADARKO PETROLEUM CORP COM 032511107 418 5,709 SH   DFND   5,709 0 0
ANTHEM INC COM 036752103 497 2,089 SH   DFND   2,089 0 0
AQUA AMERICA INC COM 03836W103 678 19,280 SH   DFND   19,280 0 0
BP PLC SPONSORED ADR 055622104 3,489 76,420 SH   DFND   76,420 0 0
BANK OF AMERICA COM 060505104 1,033 36,633 SH   DFND   36,633 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,410 5 SH   DFND   5 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 4,513 16 SH   DFND   16 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 1,375 1,218 SH   DFND   1,216 0 2
AMAZON.COM INC COM 023135106 4,756 2,798 SH   DFND   2,782 0 16
ALLSTATE CORP COM 020002101 336 3,677 SH   DFND   3,659 0 18
FACEBOOK INC CL A 30303M102 2,477 12,748 SH   DFND   12,718 0 30
VISA IN - CLASS A COM CL A 92826C839 840 6,343 SH   DFND   6,312 0 31
AMERICAN EXPRESS CO COM 025816109 2,326 23,738 SH   DFND   23,688 0 50
PRAXAIR INC COM 74005P104 813 5,143 SH   DFND   4,961 0 182
CATERPILLAR INC COM 149123101 850 6,263 SH   DFND   5,913 0 350
INTEL CORP COM 458140100 6,291 126,555 SH   DFND   125,955 0 600
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 731 6,384 SH   DFND   5,744 0 640
ISHARES S&P SHORT TERM NATIONAL AMT-FREE MUNICIPAL SHT NTLAMTFR ETF 464288158 312 2,969 SH   DFND   2,273 0 696
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 3,156 45,586 SH   DFND   44,886 0 700
AETNA U S HEALTHCARE INC COM COM 00817Y108 9,124 49,722 SH   DFND   49,007 0 715
BANK NEW YORK MELLON CORP COM 064058100 306 5,678 SH   DFND   4,778 0 900
NOVARTIS AG - ADR SPONSORED ADR 66987V109 2,030 26,879 SH   DFND   25,879 0 1,000
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 3,471 18,596 SH   DFND   17,496 0 1,100
AMERICAN ELECTRIC POWER COM 025537101 10,371 149,760 SH   DFND   148,518 0 1,242
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 982 30,633 SH   DFND   29,379 0 1,254
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 8,879 187,918 SH   DFND   186,548 0 1,370
BRISTOL MYERS SQUIBB CO COM 110122108 4,513 81,544 SH   DFND   79,944 0 1,600
UNION PACIFIC CORP COM 907818108 7,756 54,745 SH   DFND   53,135 0 1,610
INTERNATIONAL BUSINESS MACHINES COM 459200101 3,528 25,257 SH   DFND   23,584 0 1,673
TRAVELERS COMPANIES INC COM 89417E109 758 6,196 SH   DFND   3,303 0 2,893
GENERAL MILLS INC COM 370334104 827 18,689 SH   DFND   15,789 0 2,900
AT&T INC COM 00206R102 5,762 179,434 SH   DFND   176,482 0 2,952
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 18,516 177,735 SH   DFND   174,523 0 3,212
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 11,709 114,222 SH   DFND   110,779 0 3,443
CAMPBELL SOUP CO COM 134429109 255 6,290 SH   DFND   2,665 0 3,625
AMERICAN TOWER CORP COM 03027X100 18,499 128,317 SH   DFND   124,385 0 3,932
HOME DEPOT INC COM 437076102 10,825 55,486 SH   DFND   51,418 0 4,068
NIKE INC CL B CL B 654106103 1,592 19,984 SH   DFND   15,399 0 4,585
GENUINE PARTS CO COM 372460105 31,080 338,595 SH   DFND   332,494 0 6,101
ALTRIA GROUP INC COM COM 02209S103 24,467 430,834 SH   DFND   424,222 0 6,612
AUTOMATIC DATA PROCESSING COM 053015103 39,838 296,988 SH   DFND   289,669 0 7,319
UNITED PARCEL SVC INC CL B CL B 911312106 37,810 355,929 SH   DFND   348,131 0 7,798
THE KRAFT HEINZ COMPANY COM 500754106 23,332 371,414 SH   DFND   363,362 0 8,052
PHILIP MORRIS INTL,INC COM 718172109 33,279 412,173 SH   DFND   404,063 0 8,110
INVESCO EXCHNGE TRADED FD TR TAXABLE MUN BD 46138G805 13,407 452,867 SH   DFND   444,501 0 8,366
TAPESTRY INC COM 876030107 24,705 528,896 SH   DFND   519,328 0 9,568
KIMBERLY CLARK CORP COM 494368103 36,614 347,577 SH   DFND   337,722 0 9,855
EATON CORP, PLC SHS G29183103 31,709 424,260 SH   DFND   414,184 0 10,076
ISHARES BARCLAYS INTERMEDIATE CREDIT BOND FUND INTERM CR BD ETF 464288638 35,428 333,472 SH   DFND   323,343 0 10,129
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 30,342 417,644 SH   DFND   406,918 0 10,726
PFIZER INC COM 717081103 17,743 489,046 SH   DFND   477,987 0 11,059
3M COMPANY COM 88579Y101 8,628 43,861 SH   DFND   32,611 0 11,250
ISHARES BARCLAYS 1-3 YEAR CREDIT BOND FUND 1-3 YR CR BD ETF 464288646 39,165 377,672 SH   DFND   366,270 0 11,402
BB&T CORP COM 054937107 22,282 441,754 SH   DFND   429,788 0 11,966
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 21,057 629,496 SH   DFND   617,102 0 12,394
COLGATE-PALMOLIVE CO COM 194162103 3,460 53,389 SH   DFND   40,989 0 12,400
CHEVRON CORPORATION COM 166764100 37,723 298,374 SH   DFND   284,263 0 14,111
GAP INC COM 364760108 25,682 792,897 SH   DFND   778,328 0 14,569
VERIZON COMMUNICATIONS COM 92343V104 36,565 726,802 SH   DFND   711,703 0 15,099
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 85,468 438,790 SH   DFND   423,277 0 15,513
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 46,799 405,498 SH   DFND   389,214 0 16,284
UNILEVER N V WI N Y SHS NEW 904784709 2,285 41,014 SH   DFND   23,449 0 17,565
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 30,772 603,377 SH   DFND   585,370 0 18,007
ABBOTT LABS COM 002824100 5,206 85,359 SH   DFND   65,809 0 19,550
MERCK & CO COM 58933Y105 32,000 527,187 SH   DFND   507,523 0 19,664
ABBVIE INC. COM 00287Y109 8,308 89,673 SH   DFND   69,423 0 20,250
CISCO SYS INC COM 17275R102 49,069 1,140,343 SH   DFND   1,119,914 0 20,429
MCDONALDS CORP COM 580135101 27,167 173,378 SH   DFND   145,789 0 27,589
FEDEX CORP COM 31428X106 49,213 216,739 SH   DFND   180,173 0 36,566
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 9,685 225,754 SH   DFND   181,602 0 44,152
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 71,733 1,025,052 SH   DFND   980,626 0 44,426
BLACKROCK INC COM 09247X101 137,513 275,554 SH   DFND   225,743 0 49,811
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 62,165 1,107,517 SH   DFND   1,054,974 0 52,543
BECTON DICKINSON COM 075887109 81,573 340,512 SH   DFND   286,766 0 53,746
WELLS FARGO CO COM 949746101 12,856 231,884 SH   DFND   172,286 0 59,598
HONEYWELL INTERNATIONAL, INC. COM 438516106 53,102 368,633 SH   DFND   305,898 0 62,735
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 153,584 1,840,210 SH   DFND   1,774,315 0 65,895
PROCTER & GAMBLE COM 742718109 19,971 255,846 SH   DFND   174,580 0 81,266
AIR PRODUCTS & CHEMICALS INC COM 009158106 87,021 558,796 SH   DFND   477,247 0 81,549
UNITEDHEALTH GROUP INC COM COM 91324P102 133,409 543,771 SH   DFND   436,792 0 106,979
EMERSON ELECTRIC CO COM 291011104 48,894 707,175 SH   DFND   599,646 0 107,529
MASTERCARD CLA 57636Q104 133,220 677,898 SH   DFND   553,610 0 124,288
LOWES COS INC COM 548661107 69,828 730,653 SH   DFND   602,101 0 128,552
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 226,204 3,569,569 SH   DFND   3,424,213 0 145,356
APPLE INC COM 037833100 164,937 891,022 SH   DFND   745,173 0 145,849
ANHEUSER-BUSCH INBEV SA ADR SPONSORED ADR 03524A108 82,901 822,759 SH   DFND   667,449 0 155,310
EXXON MOBIL CORP COM 30231G102 93,847 1,134,374 SH   DFND   973,734 0 160,640
SCHLUMBERGER COM 806857108 59,762 891,567 SH   DFND   730,381 0 161,186
ACCENTURE LTD SHS CLASS A G1151C101 129,395 790,969 SH   DFND   626,258 0 164,711
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 36,994 917,735 SH   DFND   752,265 0 165,470
STARBUCKS CORP COM 855244109 47,028 962,712 SH   DFND   795,245 0 167,467
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 94,305 899,768 SH   DFND   730,377 0 169,391
UNITED TECHNOLOGIES CORP COM 913017109 110,036 880,075 SH   DFND   705,460 0 174,615
JOHNSON & JOHNSON COM 478160104 125,649 1,035,508 SH   DFND   859,923 0 175,585
MEDTRONIC PLC SHS G5960L103 92,192 1,076,883 SH   DFND   890,223 0 186,660
BAXTER INTL INC COM 071813109 80,021 1,083,708 SH   DFND   891,276 0 192,432
MICROSOFT CORP COM 594918104 155,727 1,579,218 SH   DFND   1,381,255 0 197,963
PEPSICO INC COM 713448108 127,016 1,166,672 SH   DFND   962,641 0 204,031
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 245,559 4,676,430 SH   DFND   4,464,892 0 211,538
J.P. MORGAN CHASE & CO COM 46625H100 141,463 1,357,613 SH   DFND   1,131,908 0 225,705
TJX COS INC NEW COM 872540109 118,580 1,245,850 SH   DFND   998,476 0 247,374
COCA-COLA CO COM 191216100 72,949 1,663,213 SH   DFND   1,390,242 0 272,971
DOWDUPONT INC COM 26078J100 141,867 2,152,104 SH   DFND   1,862,109 0 289,995
ORACLE SYS CORP COM 68389X105 65,306 1,482,198 SH   DFND   1,190,739 0 291,459
CVS HEALTH CORPORATION COM 126650100 85,657 1,331,109 SH   DFND   1,029,896 0 301,213
U S BANCORP COM NEW 902973304 83,228 1,663,899 SH   DFND   1,326,202 0 337,697
COMCAST CORP NEW COM CL A CL A 20030N101 100,796 3,072,105 SH   DFND   2,473,167 0 598,938
BIOGEN IDEC INC COM 09062X103 217 747 SH   DFND   747 0 0
BOEING CO COM 097023105 2,328 6,939 SH   DFND   6,939 0 0
THE BRINKS COMPANY COM 109696104 221 2,772 SH   DFND   2,772 0 0
BROWN-FORMAN CORP CL B 115637209 454 9,267 SH   DFND   9,267 0 0
CIGNA CORP COM 125509109 2,331 13,717 SH   DFND   13,717 0 0
CANADIAN IMPERIAL BANK COM 136069101 228 2,622 SH   DFND   2,622 0 0
CANADIAN NATL RAILWAY CO COM 136375102 442 5,407 SH   DFND   5,407 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 687 3,755 SH   DFND   3,755 0 0
CELANESE CORPORATION COM SER A 150870103 201 1,807 SH   DFND   1,807 0 0
CELGENE CORP COM 151020104 1,529 19,257 SH   DFND   19,257 0 0
CENOVUS ENERGY INC COM 15135U109 106 10,260 SH   DFND   10,260 0 0
CHEMOURS COMPANY COM 163851108 2,743 61,824 SH   DFND   61,824 0 0
CHURCH & DWIGHT CO COM 171340102 914 17,198 SH   DFND   17,198 0 0
CITIGROUP INC COM NEW 172967424 217 3,240 SH   DFND   3,240 0 0
CLOROX CO COM 189054109 474 3,504 SH   DFND   3,504 0 0
COGNIZANT TECH SOLUTIONS - A CL A 192446102 281 3,560 SH   DFND   3,560 0 0
COMMUNITY BANK SYSTEM INC COM 203607106 253 4,279 SH   DFND   4,279 0 0
CONOCOPHILLIPS COM 20825C104 3,100 44,521 SH   DFND   44,521 0 0
CONSOLIDATED EDISON INC COM 209115104 2,145 27,506 SH   DFND   27,506 0 0
CONSTELLATION BRANDS COM CL A 21036P108 465 2,123 SH   DFND   2,123 0 0
COSTCO WHSL CORP NEW COM COM 22160K105 914 4,376 SH   DFND   4,376 0 0
CUMMINS INC COM 231021106 248 1,866 SH   DFND   1,866 0 0
DANAHER CORP COM 235851102 1,602 16,233 SH   DFND   16,233 0 0
DARDEN RESTAURANTS COM 237194105 504 4,711 SH   DFND   4,711 0 0
DEERE & CO. COM 244199105 482 3,450 SH   DFND   3,450 0 0
DEVON ENERGY CORP NEW COM COM 25179M103 204 4,646 SH   DFND   4,646 0 0
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 1,545 10,730 SH   DFND   10,730 0 0
DOMINION RES INC VA NEW COM COM 25746U109 1,148 16,831 SH   DFND   16,831 0 0
DOVER CORP COM 260003108 310 4,237 SH   DFND   4,237 0 0
DUKE ENERGY CORP COM NEW 26441C204 959 12,132 SH   DFND   12,132 0 0
ENCANA CORP COM COM 292505104 134 10,296 SH   DFND   10,296 0 0
ENBRIDGE ENERGY PARTNERS L PCOM COM 29250R106 170 15,530 SH   DFND   15,530 0 0
ENERGY TRANSFER PARTNERS LP UNIT LTD PRT INT 29278N103 1,022 53,688 SH   DFND   53,688 0 0
ENTERPRISE PRODUCTS PARTNERS COM 293792107 2,612 94,383 SH   DFND   94,383 0 0
EXELON CORP COM 30161N101 321 7,544 SH   DFND   7,544 0 0
EXPEDIA INC COM NEW 30212P303 503 4,183 SH   DFND   4,183 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 403 3,799 SH   DFND   3,799 0 0
FNF GROUP FNF GROUP COM 31620R303 338 8,990 SH   DFND   8,990 0 0
FORTIVE CORP COM 34959J108 467 6,057 SH   DFND   6,057 0 0
FRANKLIN RES INC COM 354613101 581 18,115 SH   DFND   18,115 0 0
GAMING AND LEIS COM 36467J108 1,927 53,827 SH   DFND   53,827 0 0
GENERAL DYNAMICS CORP COM 369550108 356 1,912 SH   DFND   1,912 0 0
GENERAL ELECTRIC COM 369604103 1,257 92,356 SH   DFND   92,356 0 0
GENERAL MOTORS COM 37045V100 203 5,145 SH   DFND   5,145 0 0
GILEAD SCIENCES INC COM 375558103 256 3,608 SH   DFND   3,608 0 0
GLATFELTER P H CO COM 377316104 3,398 173,445 SH   DFND   173,445 0 0
GLOBAL X MLP & ENERGY INFRASTRUCTURE ETF GLB X MLP ENRG I 37950E226 2,365 177,540 SH   DFND   177,540 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 358 1,624 SH   DFND   1,624 0 0
WW GRAINGER INC COM 384802104 397 1,287 SH   DFND   1,287 0 0
HP INC. COM 40434L105 533 23,494 SH   DFND   23,494 0 0
HANOVER FOODS CORP - CL A COM 41078W100 639 7,333 SH   DFND   7,333 0 0
HEWLETT PACKARD ENTERPRISE CO COM 42824C109 209 14,320 SH   DFND   14,320 0 0
ILLINOIS TOOL WKS INC COM 452308109 3,426 24,729 SH   DFND   24,729 0 0
INTERNATIONAL PAPER CO COM 460146103 267 5,135 SH   DFND   5,135 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 811 4,725 SH   DFND   4,725 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 6,438 63,182 SH   DFND   63,182 0 0
ISHARES EMERGING MKTS HI YIELD BD FD EM HGHYL BD ETF 464286285 261 5,673 SH   DFND   5,673 0 0
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 2,521 43,585 SH   DFND   43,585 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 4,222 43,194 SH   DFND   43,194 0 0
ISHARES BARCLAYS TIPS BOND FUND TIPS BD ETF 464287176 413 3,655 SH   DFND   3,655 0 0
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 528 1,934 SH   DFND   1,934 0 0
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE TOTUSBD ETF 464287226 655 6,160 SH   DFND   6,160 0 0
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 975 5,993 SH   DFND   5,993 0 0
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 2,015 30,089 SH   DFND   30,089 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 228 2,575 SH   DFND   2,575 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 754 5,953 SH   DFND   5,953 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 496 2,337 SH   DFND   2,337 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 1,371 11,292 SH   DFND   11,292 0 0
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 247 1,099 SH   DFND   1,099 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 3,198 22,237 SH   DFND   22,237 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 251 1,649 SH   DFND   1,649 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 1,124 5,502 SH   DFND   5,502 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 575 3,512 SH   DFND   3,512 0 0
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 333 2,050 SH   DFND   2,050 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 294 1,813 SH   DFND   1,813 0 0
ISHARES S&P SMALL CAP 600 VALUE INDEX FUND SP SMCP600VL ETF 464287879 3,991 24,447 SH   DFND   24,447 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,486 20,894 SH   DFND   20,894 0 0
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 299 2,742 SH   DFND   2,742 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND FUND IBOXX INV CP ETF 464288513 820 9,636 SH   DFND   9,636 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 1,112 10,321 SH   DFND   10,321 0 0
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 897 23,777 SH   DFND   23,777 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 264 1,504 SH   DFND   1,504 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 412 5,231 SH   DFND   5,231 0 0
ISHARES TR 10+ YR CR BD ETF 464289511 244 4,210 SH   DFND   4,210 0 0
ISHARES INTERNATIONAL PREFERRED STOCK ETF INTL SM-CAP ETF 46429B135 239 13,750 SH   DFND   13,750 0 0
ISHARES HIGH DIVIDEND EQUITY HIGH DIVIDND ETF 46429B663 4,935 58,066 SH   DFND   58,066 0 0
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 600 11,969 SH   DFND   11,969 0 0
JP MORGAN ALERIAN MLP INDEX ALERIAN ML ETN 46625H365 640 24,085 SH   DFND   24,085 0 0
KAYNE ANDERSON MLP COM 486606106 249 13,199 SH   DFND   13,199 0 0
L BRANDS INC COM 501797104 550 14,905 SH   DFND   14,905 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 398 2,786 SH   DFND   2,786 0 0
LEGGETT & PLATT INC COM 524660107 241 5,405 SH   DFND   5,405 0 0
LIBERTY PROPERTY TRUST SH BEN INT 531172104 222 5,000 SH   DFND   5,000 0 0
LIFEWAY FOODS INC COM 531914109 141 28,000 SH   DFND   28,000 0 0
LILLY, ELI & COMPANY COM 532457108 427 5,001 SH   DFND   5,001 0 0
LOCKHEED MARTIN CORP COM 539830109 2,064 6,985 SH   DFND   6,985 0 0
M & T BK CORP COM 55261F104 2,088 12,274 SH   DFND   12,274 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 1,567 22,687 SH   DFND   22,687 0 0
MARATHON PETROLEUM CORP COM 56585A102 351 4,998 SH   DFND   4,998 0 0
MARRIOTT INTL INC NEW CL A CL A 571903202 288 2,273 SH   DFND   2,273 0 0
MIDDLESEX WTR CO COM 596680108 1,033 24,501 SH   DFND   24,501 0 0
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 727 17,739 SH   DFND   17,739 0 0
NESTLE S A SPON ADR REG COM 641069406 1,811 23,384 SH   DFND   23,384 0 0
NETFLIX INC COM 64110L106 713 1,821 SH   DFND   1,821 0 0
NEXTERA ENERGY INC COM 65339F101 2,634 15,767 SH   DFND   15,767 0 0
NORFOLK SOUTHERN CORP COM 655844108 2,105 13,950 SH   DFND   13,950 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,769 5,750 SH   DFND   5,750 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 514 11,144 SH   DFND   11,144 0 0
NUANCE COMMUNICATIONS INC COM 67020Y100 278 20,000 SH   DFND   20,000 0 0
OCCIDENTAL PETE CORP COM 674599105 1,222 14,602 SH   DFND   14,602 0 0
ONEOK INC COM 682680103 239 3,427 SH   DFND   3,427 0 0
PNC FINANCIAL CORP COM 693475105 2,370 17,542 SH   DFND   17,542 0 0
PPG INDS INC COM 693506107 236 2,274 SH   DFND   2,274 0 0
PPL CORP COM COM 69351T106 549 19,227 SH   DFND   19,227 0 0
PAYCHEX INC COM 704326107 371 5,432 SH   DFND   5,432 0 0
PHILLIPS 66 COM 718546104 1,379 12,282 SH   DFND   12,282 0 0
PIXELWORKS INC COM NEW 72581M305 43 12,000 SH   DFND   12,000 0 0
T ROWE PRICE GROUP INC COM 74144T108 296 2,546 SH   DFND   2,546 0 0
PRUDENTIAL FINL INC COM 744320102 211 2,254 SH   DFND   2,254 0 0
PUBLIC SVC ENTERPRISES COM 744573106 493 9,111 SH   DFND   9,111 0 0
QUALCOMM INC COM 747525103 1,342 23,913 SH   DFND   23,913 0 0
RAYTHEON CO NEW COM COM NEW 755111507 917 4,745 SH   DFND   4,745 0 0
S&P Global Inc COM 78409V104 255 1,249 SH   DFND   1,249 0 0
SEI INVESTMENTS CO COM 784117103 394 6,300 SH   DFND   6,300 0 0
SPDR TR UNIT SER 1 TR UNIT 78462F103 23,167 85,399 SH   DFND   85,399 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,187 10,000 SH   DFND   10,000 0 0
SPDR DJ INTL REAL ESTATE ETF DJ INTL RL ETF 78463X863 233 5,947 SH   DFND   5,947 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 310 3,340 SH   DFND   3,340 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 3,545 9,985 SH   DFND   9,985 0 0
SAP SE SPONSORED ADR SPON ADR 803054204 890 7,695 SH   DFND   7,695 0 0
SPDR FINANCIAL SELECT SBI INT-FINL 81369Y605 2,065 77,675 SH   DFND   77,675 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 740 14,240 SH   DFND   14,240 0 0
SERITAGE GROWTH PROPERTIES CL A 81752R100 574 13,539 SH   DFND   13,539 0 0
SHERWIN WILLIAMS CO COM 824348106 2,095 5,139 SH   DFND   5,139 0 0
SOUTHERN CO COM 842587107 565 12,200 SH   DFND   12,200 0 0
SOUTHERN NATIONAL BANCORP OF VIRG. INC. COM 843395104 178 10,000 SH   DFND   10,000 0 0
SOUTHWEST AIRLS CO COM 844741108 738 14,511 SH   DFND   14,511 0 0
STATE STREET CORPORATION COM 857477103 294 3,157 SH   DFND   3,157 0 0
STRYKER CORP COM 863667101 1,351 8,003 SH   DFND   8,003 0 0
SUNTRUST BANKS INC COM 867914103 201 3,052 SH   DFND   3,052 0 0
SYNCHRONY FINAN COM 87165B103 1,389 41,620 SH   DFND   41,620 0 0
SYSCO CORP COM 871829107 990 14,496 SH   DFND   14,496 0 0
TARGET CORP COM 87612E106 1,663 21,850 SH   DFND   21,850 0 0
TEAM INC COM 878155100 603 26,121 SH   DFND   26,121 0 0
TEXAS INSTRUMENTS INC COM 882508104 941 8,538 SH   DFND   8,538 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 901 4,350 SH   DFND   4,350 0 0
TORONTO-DOMINION BANK COM NEW 891160509 929 16,057 SH   DFND   16,057 0 0
TOTAL FINA ELF S A ADR SPONSORED ADR 89151E109 434 7,173 SH   DFND   7,173 0 0
TRANSDIGM GROUP, INC. COM 893641100 518 1,500 SH   DFND   1,500 0 0
TWENTY-FIRST CENTURY FOX, INC. CL A 90130A200 1,914 38,857 SH   DFND   38,857 0 0
UGI CORP NEW COM 902681105 258 4,950 SH   DFND   4,950 0 0
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 2,006 36,297 SH   DFND   36,297 0 0
V F CORPORATION COM 918204108 603 7,398 SH   DFND   7,398 0 0
VALERO ENERGY CORP COM 91913Y100 248 2,239 SH   DFND   2,239 0 0
VANGUARD DIVIDEND DIV APP ETF 921908844 6,968 68,574 SH   DFND   68,574 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 1,015 12,217 SH   DFND   12,217 0 0
VANGUARD GBL EX-US REAL ESTATE GLB EX US ETF 922042676 255 4,385 SH   DFND   4,385 0 0
VANGUARD FTSE ALL WORLD EX-US ALLWRLD EX US 922042775 371 7,152 SH   DFND   7,152 0 0
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 5,626 133,320 SH   DFND   133,320 0 0
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 575 3,171 SH   DFND   3,171 0 0
VANGUARD UTILITIES ETF UTILITIES ETF 92204A876 213 1,835 SH   DFND   1,835 0 0
VENTAS INC COM 92276F100 242 4,248 SH   DFND   4,248 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 2,837 11,370 SH   DFND   11,370 0 0
VANGUARD REIT ETF REIT ETF 922908553 3,629 44,555 SH   DFND   44,555 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 993 6,631 SH   DFND   6,631 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 1,097 10,569 SH   DFND   10,569 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 493 3,165 SH   DFND   3,165 0 0
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 12,316 87,703 SH   DFND   87,703 0 0
VODAFONE GROUP PLC SPNSR ADR 92857W308 372 15,298 SH   DFND   15,298 0 0
WEC ENERGY GROUP INC COM 92939U106 225 3,484 SH   DFND   3,484 0 0
WAL-MART STORES COM 931142103 1,627 18,991 SH   DFND   18,991 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 576 9,603 SH   DFND   9,603 0 0
WASTE MGMT INC DEL COM 94106L109 1,269 15,605 SH   DFND   15,605 0 0
WISDOMTREE DEFA FUND INTL EQUITY FD 97717W703 513 9,720 SH   DFND   9,720 0 0
WISDOMTREE TR JAPN HEDGE EQT 97717W851 2,666 49,381 SH   DFND   49,381 0 0
YUM BRANDS INC COM COM 988498101 208 2,662 SH   DFND   2,662 0 0
ZIMMER HLDGS INC COM COM 98956P102 535 4,802 SH   DFND   4,802 0 0
ALLERGAN PLC SHS G0177J108 297 1,779 SH   DFND   1,779 0 0
CHUBB LTD COM H1467J104 1,988 15,649 SH   DFND   15,649 0 0