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
FACEBOOK INC CL A 30303M102 2,220 8,128 SH   DFND   8,028 0 100
EATON CORP, PLC SHS G29183103 10,167 84,624 SH   DFND   84,524 0 100
TARGET CORP COM 87612E106 4,191 23,739 SH   DFND   23,614 0 125
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 8,426 26,857 SH   DFND   26,699 0 158
LOCKHEED MARTIN CORP COM 539830109 14,283 40,236 SH   DFND   40,076 0 160
BOEING CO COM 097023105 1,221 5,704 SH   DFND   5,521 0 183
FEDEX CORP COM 31428X106 1,546 5,956 SH   DFND   5,768 0 188
LILLY, ELI & COMPANY COM 532457108 678 4,014 SH   DFND   3,814 0 200
CATERPILLAR INC COM 149123101 1,270 6,976 SH   DFND   6,726 0 250
CORTEVA INC COM 22052L104 4,915 126,939 SH   DFND   126,512 0 427
ALTRIA GROUP INC COM COM 02209S103 3,215 78,407 SH   DFND   77,912 0 495
AMERICAN ELECTRIC POWER COM 025537101 11,130 133,660 SH   DFND   133,119 0 541
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 1,036 7,503 SH   DFND   6,863 0 640
WALMART INC COM 931142103 2,796 19,399 SH   DFND   18,699 0 700
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 780 22,200 SH   DFND   21,500 0 700
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 2,369 23,665 SH   DFND   22,891 0 774
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 8,857 190,110 SH   DFND   189,232 0 878
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 9,471 178,554 SH   DFND   177,459 125 970
NOVARTIS AG - ADR SPONSORED ADR 66987V109 3,659 38,743 SH   DFND   37,743 0 1,000
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 6,130 26,439 SH   DFND   25,339 0 1,100
KIMBERLY CLARK CORP COM 494368103 6,513 48,306 SH   DFND   47,196 0 1,110
BRISTOL MYERS SQUIBB CO COM 110122108 5,331 85,938 SH   DFND   84,738 0 1,200
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 27,394 172,497 SH   DFND   170,975 282 1,240
VIATRIS INC COM 92556V106 538 28,709 SH   DFND   27,460 0 1,249
INTEL CORP COM 458140100 13,908 279,169 SH   DFND   277,904 0 1,265
INTERNATIONAL BUSINESS MACHINES COM 459200101 2,914 23,147 SH   DFND   21,647 0 1,500
UNION PACIFIC CORP COM 907818108 12,353 59,325 SH   DFND   57,815 0 1,510
DOW INC COM 260557103 28,701 517,144 SH   DFND   515,365 0 1,779
AMERICAN TOWER CORP COM 03027X100 36,975 164,729 SH   DFND   162,601 301 1,827
GENERAL MILLS INC COM 370334104 933 15,866 SH   DFND   13,958 0 1,908
ESSENTIAL UTILITIES INC COM 29670G102 1,209 25,559 SH   DFND   23,602 0 1,957
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 17,781 148,239 SH   DFND   146,133 123 1,983
ISHARES ULTRA SHORT-TERM BOND ULTR SH TRM BD 46434V878 15,850 313,729 SH   DFND   311,729 0 2,000
SKYWORKS SOLUTIONS INC COM 83088M102 27,767 181,627 SH   DFND   179,087 225 2,315
TRUIST FINANCIAL CORP COM 89832Q109 13,340 278,329 SH   DFND   275,949 0 2,380
GENUINE PARTS CO COM 372460105 45,528 453,333 SH   DFND   450,177 476 2,680
TRAVELERS COMPANIES INC COM 89417E109 724 5,158 SH   DFND   2,325 0 2,833
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 116,340 309,918 SH   DFND   306,485 421 3,012
PPG INDS INC COM 693506107 1,377 9,548 SH   DFND   6,331 0 3,217
UNITED PARCEL SVC INC CL B CL B 911312106 68,086 404,310 SH   DFND   400,873 199 3,238
NIKE INC CL B CL B 654106103 3,023 21,367 SH   DFND   17,967 0 3,400
HOME DEPOT INC COM 437076102 30,676 115,488 SH   DFND   111,883 0 3,605
EMERSON ELECTRIC CO COM 291011104 2,956 36,785 SH   DFND   33,105 0 3,680
VERIZON COMMUNICATIONS COM 92343V104 14,056 239,255 SH   DFND   235,470 0 3,785
AUTOMATIC DATA PROCESSING COM 053015103 51,816 294,073 SH   DFND   289,932 240 3,901
PHILIP MORRIS INTL,INC COM 718172109 44,246 534,431 SH   DFND   529,857 616 3,958
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 17,412 519,764 SH   DFND   514,600 357 4,807
AT&T INC COM 00206R102 13,255 460,888 SH   DFND   454,120 0 6,768
CISCO SYS INC COM 17275R102 53,712 1,200,273 SH   DFND   1,191,245 944 8,084
EXXON MOBIL CORP COM 30231G102 6,709 162,756 SH   DFND   153,606 0 9,150
U S BANCORP COM NEW 902973304 655 14,069 SH   DFND   4,729 0 9,340
3M COMPANY COM 88579Y101 7,165 40,993 SH   DFND   30,993 0 10,000
ABBOTT LABS COM 002824100 8,848 80,814 SH   DFND   70,712 0 10,102
PFIZER INC COM 717081103 17,433 473,583 SH   DFND   462,764 0 10,819
COLGATE-PALMOLIVE CO COM 194162103 3,943 46,116 SH   DFND   35,246 0 10,870
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 104,211 453,428 SH   DFND   441,849 449 11,130
CHEVRON CORPORATION COM 166764100 36,565 432,973 SH   DFND   421,470 259 11,244
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 49,153 403,421 SH   DFND   391,350 587 11,484
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 48,395 783,222 SH   DFND   770,665 788 11,769
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 86,560 785,983 SH   DFND   773,651 432 11,900
MERCK & CO COM 58933Y105 56,239 687,517 SH   DFND   671,208 778 15,531
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 59,855 1,084,920 SH   DFND   1,067,107 958 16,855
ABBVIE INC. COM 00287Y109 10,732 100,158 SH   DFND   83,255 0 16,903
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 13,721 227,312 SH   DFND   209,477 0 17,835
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 77,396 972,430 SH   DFND   952,680 1,028 18,722
MCDONALDS CORP COM 580135101 56,350 262,607 SH   DFND   242,906 311 19,390
COSTCO WHSL CORP NEW COM COM 22160K105 90,851 241,126 SH   DFND   211,921 228 28,977
GOLDMAN SACHS ACTIVEBETA EMERGING MARKETS ACTIVEBETA EME 381430206 58,275 1,526,735 SH   DFND   1,493,072 555 33,108
SPDR TR UNIT SER 1 TR UNIT 78462F103 53,454 142,972 SH   DFND   102,497 0 40,475
BLACKROCK INC COM 09247X101 224,963 311,782 SH   DFND   269,460 154 42,168
ECOLAB INC COM 278865100 77,493 358,165 SH   DFND   312,861 315 44,989
AIR PRODUCTS & CHEMICALS INC COM 009158106 103,019 377,054 SH   DFND   329,970 192 46,892
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 193,515 2,105,710 SH   DFND   2,055,040 2,109 48,561
S&P GLOBAL INC COM 78409V104 103,677 315,385 SH   DFND   266,469 350 48,566
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 130,830 1,893,618 SH   DFND   1,836,027 2,162 55,429
PROCTER & GAMBLE COM 742718109 32,903 236,474 SH   DFND   176,037 0 60,437
BECTON DICKINSON COM 075887109 140,182 560,236 SH   DFND   481,692 383 78,161
UNITEDHEALTH GROUP INC COM 91324P102 170,703 486,776 SH   DFND   404,456 257 82,063
MEDTRONIC PLC SHS G5960L103 101,180 863,749 SH   DFND   780,842 593 82,314
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 11,810 320,923 SH   DFND   235,185 806 84,932
HONEYWELL INTERNATIONAL, INC. COM 438516106 153,898 723,543 SH   DFND   633,697 485 89,361
DOLLAR GENERAL CORP COM 256677105 146,672 697,442 SH   DFND   603,929 452 93,061
MASTERCARD CLA 57636Q104 215,945 604,989 SH   DFND   511,473 380 93,136
ACCENTURE LTD SHS CLASS A G1151C101 199,317 763,053 SH   DFND   638,128 427 124,498
STARBUCKS CORP COM 855244109 108,535 1,014,540 SH   DFND   880,769 672 133,099
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 326,467 5,262,196 SH   DFND   5,113,054 6,448 142,694
MICROSOFT CORP COM 594918104 304,364 1,368,419 SH   DFND   1,223,939 800 143,680
JOHNSON & JOHNSON COM 478160104 186,347 1,184,056 SH   DFND   1,029,333 826 153,897
PEPSICO INC COM 713448108 177,925 1,199,762 SH   DFND   1,043,684 477 155,601
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 185,928 1,026,204 SH   DFND   867,557 554 158,093
BAXTER INTL INC COM 071813109 103,630 1,291,497 SH   DFND   1,118,483 563 172,451
DUPONT DE NEMOURS INC COM 26614N102 142,644 2,005,956 SH   DFND   1,813,791 1,057 191,108
J.P. MORGAN CHASE & CO COM 46625H100 188,838 1,486,092 SH   DFND   1,292,104 896 193,092
RAYTHEON TECHNOLOGIES CORP COM 75513E101 132,141 1,847,874 SH   DFND   1,639,471 1,403 207,000
LOWES COS INC COM 548661107 211,614 1,318,387 SH   DFND   1,108,609 600 209,178
COCA-COLA CO COM 191216100 97,116 1,770,890 SH   DFND   1,533,525 871 236,494
ORACLE SYS CORP COM 68389X105 105,180 1,625,903 SH   DFND   1,377,198 811 247,894
CVS HEALTH CORPORATION COM 126650100 158,594 2,322,016 SH   DFND   2,072,056 1,264 248,696
APPLE INC COM 037833100 370,166 2,789,702 SH   DFND   2,434,688 1,844 353,170
TJX COS INC NEW COM 872540109 171,925 2,517,579 SH   DFND   2,121,092 1,214 395,273
COMCAST CORP NEW COM CL A CL A 20030N101 174,094 3,322,406 SH   DFND   2,821,788 1,622 498,996
SHERWIN WILLIAMS CO COM 824348106 3,917 5,330 SH   DFND   5,244 86 0
COGNIZANT TECH SOLUTIONS - A CL A 192446102 218 2,660 SH   DFND   2,500 160 0
PAYPAL HOLDINGS, INC. COM 70450Y103 1,634 6,979 SH   DFND   6,804 175 0
ILLINOIS TOOL WKS INC COM 452308109 4,290 21,044 SH   DFND   20,845 199 0
JACK HENRY & ASSOCIATES INC. COM 426281101 680 4,200 SH   DFND   3,900 300 0
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 286 3,910 SH   DFND   3,910 0 0
GOLDMAN SACHS ACCESS INV GRADE CORP BOND ETF ACCESS INVT GR 381430479 2,358 41,935 SH   DFND   41,935 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 699 10,000 SH   DFND   10,000 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 3,426 1,955 SH   DFND   1,955 0 0
ALPHABET INC CL C CAP STK CL C 02079K107 5,942 3,392 SH   DFND   3,392 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 5,217 15 SH   DFND   15 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 13,565 39 SH   DFND   39 0 0
CHARTER COMMUNICATION - CL A CL A 16119P108 201 304 SH   DFND   304 0 0
LITHIA MOTORS INC CL A CL A 536797103 581 1,985 SH   DFND   1,985 0 0
TWILIO INC - A CL A 90138F102 787 2,325 SH   DFND   2,325 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 751 2,821 SH   DFND   2,821 0 0
ZOETIS INC. CL A 98978V103 1,754 10,600 SH   DFND   10,600 0 0
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 813 13,907 SH   DFND   13,907 0 0
BROWN-FORMAN CORP CL B 115637209 558 7,025 SH   DFND   7,025 0 0
VIACOMCBS INC CL B 92556H206 439 11,790 SH   DFND   11,790 0 0
REGENERON PHARMACEUTICALS COM 75886F107 204 422 SH   DFND   422 0 0
WW GRAINGER INC COM 384802104 272 667 SH   DFND   667 0 0
SALESFORCE.COM INC COM 79466L302 243 1,092 SH   DFND   1,092 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 234 1,240 SH   DFND   1,240 0 0
TRANSDIGM GROUP, INC. COM 893641100 816 1,318 SH   DFND   1,318 0 0
LINDE PLC COM G5494J103 362 1,374 SH   DFND   1,374 0 0
NETFLIX INC COM 64110L106 795 1,470 SH   DFND   1,470 0 0
AMERICAN WTR WK COM 030420103 242 1,575 SH   DFND   1,575 0 0
HUBBELL INC COM 443510607 258 1,647 SH   DFND   1,647 0 0
AMAZON.COM INC COM 023135106 5,677 1,743 SH   DFND   1,743 0 0
CUMMINS INC COM 231021106 404 1,781 SH   DFND   1,781 0 0
DIGITAL REALTY TRUST COM 253868103 261 1,872 SH   DFND   1,872 0 0
FLEETCOR TECHNOLOGIES INC. COM 339041105 546 2,000 SH   DFND   2,000 0 0
INTL FLAVORS & FRAGRANCES COM 459506101 270 2,485 SH   DFND   2,485 0 0
XYLEM INC COM 98419M100 257 2,520 SH   DFND   2,520 0 0
PROGRESSIVE CORP OHIO COM 743315103 253 2,558 SH   DFND   2,558 0 0
AMETEK INC COM 031100100 359 2,965 SH   DFND   2,965 0 0
BLACK KNIGHT INC COM 09215C105 267 3,023 SH   DFND   3,023 0 0
DOVER CORP COM 260003108 391 3,100 SH   DFND   3,100 0 0
ALLSTATE CORP COM 020002101 348 3,165 SH   DFND   3,165 0 0
DEERE & CO. COM 244199105 941 3,499 SH   DFND   3,499 0 0
INTERACTIVE BROKERS GROUP COM 45841N107 215 3,530 SH   DFND   3,530 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,655 3,554 SH   DFND   3,554 0 0
CLOROX CO COM 189054109 723 3,582 SH   DFND   3,582 0 0
PUBLIC STORAGE COM 74460D109 854 3,700 SH   DFND   3,700 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 1,300 3,750 SH   DFND   3,750 0 0
CIGNA CORP COM 125523100 786 3,777 SH   DFND   3,777 0 0
COPART, INC COM 217204106 528 4,147 SH   DFND   4,147 0 0
ANTHEM INC COM 036752103 1,337 4,165 SH   DFND   4,165 0 0
PAYCHEX INC COM 704326107 401 4,301 SH   DFND   4,301 0 0
M & T BK CORP COM 55261F104 570 4,474 SH   DFND   4,474 0 0
MICROCHIP TECHNOLOGY COM 595017104 629 4,555 SH   DFND   4,555 0 0
ZIMMER HLDGS INC COM 98956P102 715 4,640 SH   DFND   4,640 0 0
V F CORPORATION COM 918204108 452 5,293 SH   DFND   5,293 0 0
THE HERSHEY COMPANY COM 427866108 831 5,452 SH   DFND   5,452 0 0
CANADIAN NATL RAILWAY CO COM 136375102 621 5,650 SH   DFND   5,650 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 231 5,800 SH   DFND   5,800 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,795 5,892 SH   DFND   5,892 0 0
QUANTA SVCS INC COM 74762E102 452 6,270 SH   DFND   6,270 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 954 6,747 SH   DFND   6,747 0 0
EXELON CORP COM 30161N101 286 6,778 SH   DFND   6,778 0 0
SOUTHERN CO COM 842587107 446 7,264 SH   DFND   7,264 0 0
HANOVER FOODS CORP - CL A COM 41078W100 559 7,333 SH   DFND   7,333 0 0
CARRIER GLOBAL CORP COM 14448C104 303 8,046 SH   DFND   8,046 0 0
SEI INVESTMENTS CO COM 784117103 498 8,670 SH   DFND   8,670 0 0
FASTENAL COMPANY COM 311900104 440 9,013 SH   DFND   9,013 0 0
TEXAS INSTRUMENTS INC COM 882508104 1,544 9,409 SH   DFND   9,409 0 0
PUBLIC SVC ENTERPRISES COM 744573106 577 9,893 SH   DFND   9,893 0 0
CHUBB LTD COM H1467J104 1,831 11,899 SH   DFND   11,899 0 0
DANAHER CORP COM 235851102 2,645 11,907 SH   DFND   11,907 0 0
UGI CORP NEW COM 902681105 429 12,258 SH   DFND   12,258 0 0
STRYKER CORP COM 863667101 3,063 12,500 SH   DFND   12,500 0 0
PHILLIPS 66 COM 718546104 893 12,769 SH   DFND   12,769 0 0
PNC FINANCIAL CORP COM 693475105 2,078 13,947 SH   DFND   13,947 0 0
SYSCO CORP COM 871829107 1,105 14,877 SH   DFND   14,877 0 0
PPL CORP COM COM 69351T106 430 15,236 SH   DFND   15,236 0 0
CONSOLIDATED EDISON INC COM 209115104 1,118 15,469 SH   DFND   15,469 0 0
CHURCH & DWIGHT CO COM 171340102 1,422 16,306 SH   DFND   16,306 0 0
NORFOLK SOUTHERN CORP COM 655844108 4,004 16,851 SH   DFND   16,851 0 0
DOMINION ENERGY INC COM 25746U109 1,289 17,144 SH   DFND   17,144 0 0
AMERICAN EXPRESS CO COM 025816109 2,105 17,410 SH   DFND   17,410 0 0
QUALCOMM INC COM 747525103 3,378 22,174 SH   DFND   22,174 0 0
WASTE MGMT INC DEL COM 94106L109 2,702 22,908 SH   DFND   22,908 0 0
AFLAC COM 001055102 1,121 25,212 SH   DFND   25,212 0 0
NESTLE S A SPON ADR REG COM 641069406 3,119 26,481 SH   DFND   26,481 0 0
KROGER CO COM 501044101 860 27,085 SH   DFND   27,085 0 0
NUVEEN MA QUALITY MUNI INC FD COM 67061E104 401 27,500 SH   DFND   27,500 0 0
CONOCOPHILLIPS COM 20825C104 1,396 34,921 SH   DFND   34,921 0 0
GENERAL ELECTRIC COM 369604103 390 36,090 SH   DFND   36,090 0 0
WELLS FARGO CO COM 949746101 1,315 43,574 SH   DFND   43,574 0 0
AMGEN INC COM 031162100 10,704 46,555 SH   DFND   46,555 0 0
REPUBLIC FIRST BANCORP INC COM COM 760416107 133 46,565 SH   DFND   46,565 0 0
CHEMOURS COMPANY COM 163851108 1,577 63,621 SH   DFND   63,621 0 0
NEXTERA ENERGY INC COM 65339F101 5,084 65,900 SH   DFND   65,900 0 0
ENTERPRISE PRODUCTS PARTNERS COM 293792107 1,480 75,533 SH   DFND   75,533 0 0
THE TRADE DESK INC COM CL A 88339J105 376 470 SH   DFND   470 0 0
CME GROUP INC. COM CL A 12572Q105 236 1,294 SH   DFND   1,294 0 0
THE BLACKSTONE GROUP INC COM CL A 09260D107 515 7,942 SH   DFND   7,942 0 0
VISA IN - CLASS A COM CL A 92826C839 2,946 13,467 SH   DFND   13,467 0 0
DUKE ENERGY CORP COM NEW 26441C204 1,042 11,385 SH   DFND   11,385 0 0
MCCORMICK & CO COM NON VTG 579780206 216 2,262 SH   DFND   2,262 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 352 8,295 SH   DFND   8,295 0 0
ENERGY TRANSFER COM UT LTD PTN 29273V100 652 105,545 SH   DFND   105,545 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 1,086 16,101 SH   DFND   16,101 0 0
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,242 18,485 SH   DFND   18,485 0 0
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE US AGGBD ET 464287226 378 3,195 SH   DFND   3,195 0 0
VANGUARD DIVIDEND DIV APP ETF 921908844 20,968 148,527 SH   DFND   148,527 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 316 3,136 SH   DFND   3,136 0 0
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,680 27,500 SH   DFND   27,500 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF EMRG MARKETS ETF 19762B509 452 16,025 SH   DFND   16,025 0 0
ISHARES MSC EAFE ESG ESG AW MSCI EAFE 46435G516 248 3,402 SH   DFND   3,402 0 0
ISHARES ESG MSCI USA SMALL- CAP ESG AWARE MSCI 46435U663 537 15,720 SH   DFND   15,720 0 0
ISHARES MSCI EM ESG OP ESG AWR MSCI EM 46434G863 633 15,074 SH   DFND   15,074 0 0
VANGUARD ESG INTL STOCK ETF ESG INTL STK ETF 921910725 1,257 21,215 SH   DFND   21,215 0 0
VANGUARD ESG US STOCK ETF ESG US STK ETF 921910733 609 8,673 SH   DFND   8,673 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 398 1,125 SH   DFND   1,125 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 1,917 37,802 SH   DFND   37,802 0 0
FNF GROUP FNF GROUP COM 31620R303 351 8,990 SH   DFND   8,990 0 0
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 5,510 116,709 SH   DFND   116,709 0 0
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 6,073 121,203 SH   DFND   121,203 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 734 12,183 SH   DFND   12,183 0 0
iSHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 247 822 SH   DFND   822 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,784 10,000 SH   DFND   10,000 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 327 1,290 SH   DFND   1,290 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 1,162 12,695 SH   DFND   12,695 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 439 5,023 SH   DFND   5,023 0 0
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 3,770 10,655 SH   DFND   10,655 0 0
ARK INNOVATION ETF INNOVATION ETF 00214Q104 293 2,352 SH   DFND   2,352 0 0
WISDOMTREE DEFA FUND INTL EQUITY FD 97717W703 492 9,720 SH   DFND   9,720 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 540 18,326 SH   DFND   18,326 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 576 4,900 SH   DFND   4,900 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 275 2,830 SH   DFND   2,830 0 0
VANGUARD LARGE - CAP ETF LARGE CAP ETF 922908637 262 1,490 SH   DFND   1,490 0 0
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 334 1,574 SH   DFND   1,574 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629 1,170 5,659 SH   DFND   5,659 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,315 14,494 SH   DFND   14,494 0 0
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,392 19,085 SH   DFND   19,085 0 0
ISHARES MSCI EMERGING MARKETS INDEX FUND MSCI EMG MKT ETF 464287234 630 12,187 SH   DFND   12,187 0 0
ISHARES MSCI USA ESG SELECT MSCI USA ESG SLC 464288802 228 2,775 SH   DFND   2,775 0 0
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 614 5,240 SH   DFND   5,240 0 0
NUVEEN ESG EMERGING MARKETS NUVEEN ESG EMRGN 67092P888 719 21,500 SH   DFND   21,500 0 0
NUVEEN ESG MID-CAP GROWTH ETF NUVEEN ESG MIDCP 67092P409 334 6,760 SH   DFND   6,760 0 0
VANGUARD REIT ETF REIT ETF 922908553 3,386 39,873 SH   DFND   39,873 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 349 1,649 SH   DFND   1,649 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 5,239 21,724 SH   DFND   21,724 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 726 5,309 SH   DFND   5,309 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 1,534 5,350 SH   DFND   5,350 0 0
ISHARES RUSSELL MID CAP VALUE INDEX FUND RUS MDCP VAL ETF 464287473 366 3,771 SH   DFND   3,771 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 1,596 15,544 SH   DFND   15,544 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,474 21,504 SH   DFND   21,504 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 2,223 11,337 SH   DFND   11,337 0 0
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 313 1,400 SH   DFND   1,400 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 5,458 15,881 SH   DFND   15,881 0 0
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 1,794 28,110 SH   DFND   28,110 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 327 3,084 SH   DFND   3,084 0 0
INVESCO S&P 500 EQUAL WEIGHT S&P500 EQL TEC 46137V282 279 1,100 SH   DFND   1,100 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 10,625 83,308 SH   DFND   83,308 0 0
CONSUMER DISCRETIONARY SELECT SBI CONS DISCR 81369Y407 227 1,411 SH   DFND   1,411 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 965 15,388 SH   DFND   15,388 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 4,415 45,901 SH   DFND   45,901 0 0
ISHARES S&P SHORT TERM NATIONAL AMT-FREE MUNICIPAL SHRT NAT MUN ETF 464288158 1,233 11,406 SH   DFND   11,406 0 0
AON PLC SHS CL A G0403H108 308 1,460 SH   DFND   1,460 0 0
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 1,333 26,572 SH   DFND   26,572 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 2,176 11,176 SH   DFND   11,176 0 0
SAP SE SPONSORED ADR SPON ADR 803054204 774 5,937 SH   DFND   5,937 0 0
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 545 16,211 SH   DFND   16,211 0 0
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 494 3,803 SH   DFND   3,803 0 0
ISHARES BARCLAYS TIPS BOND FUND TIPS BD ETF 464287176 407 3,187 SH   DFND   3,187 0 0
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 35,647 183,146 SH   DFND   183,146 0 0
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 2,217 57,573 SH   DFND   57,573 0 0
ISHARES DJ US TECHNOLOGY SECTOR INDEX FUND U.S. TECH ETF 464287721 943 11,088 SH   DFND   11,088 0 0
SCHWAB US DVD EQUITY ETF US DIVIDEND EQ 808524797 269 4,192 SH   DFND   4,192 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 346 1,473 SH   DFND   1,473 0 0
ISHARES US TREASURY BOND ETF US TREAS BD ETF 46429B267 447 16,417 SH   DFND   16,417 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 1,744 4,154 SH   DFND   4,154 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 415 3,490 SH   DFND   3,490 0 0
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 3,860 64,164 SH   DFND   64,164 0 0
ADOBE SYSTEMS COM 00724F101 208 416 SH   DFND   416 0 0
TESLA MOTORS IN COM 88160R101 547 775 SH   DFND   775 0 0
UNIVERSAL DISPLAY CORP COM 91347P105 205 891 SH   DFND   891 0 0
CONSTELLATION BRANDS INC CL A 21036P108 212 966 SH   DFND   966 0 0
SONY CORP - SPONSORED ADR SPONSORED ADR 835699307 202 2,000 SH   DFND   2,000 0 0
YUM BRANDS INC COM COM 988498101 240 2,207 SH   DFND   2,207 0 0
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND S&P MC 400VL ETF 464287705 210 2,430 SH   DFND   2,430 0 0
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 220 3,052 SH   DFND   3,052 0 0
STATE STREET CORPORATION COM 857477103 229 3,151 SH   DFND   3,151 0 0
TORONTO-DOMINION BANK COM NEW 891160509 214 3,793 SH   DFND   3,793 0 0
ISHARES INC JP MRGN EM HI BD 464286285 208 4,488 SH   DFND   4,488 0 0
INTERNATIONAL PAPER CO COM 460146103 229 4,600 SH   DFND   4,600 0 0
BROOKFIELD RENE PARTNERSHIP UNIT G16258108 207 4,800 SH   DFND   4,800 0 0
ASTRA ZENECA PLC ADR SPONSORED ADR 046353108 249 4,990 SH   DFND   4,990 0 0
MARATHON PETE CORP COM 56585A102 207 4,998 SH   DFND   4,998 0 0
NUVEEN PREFERRED & INCOME COM 67075T105 207 8,500 SH   DFND   8,500 0 0
ISHARES SILVER TR ISHARES 46428Q109 221 9,000 SH   DFND   9,000 0 0
JP MORGAN CHASE & CO ALERIAN ML ETN 46625H365 126 9,100 SH   DFND   9,100 0 0
NUVEEN PA INVT QUALITY MUN FD COM 670972108 164 11,335 SH   DFND   11,335 0 0
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF ACTIVEBETA INT 381430107 1,758 55,096 SH   DFND   55,096 0 0
GLATFELTER CORP COM 377320106 2,656 162,145 SH   DFND   162,145 0 0