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
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 261 3,910 SH   DFND   3,910 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 67,212 1,229,190 SH   DFND   1,208,587 1,223 19,380
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 17,523 155,171 SH   DFND   152,675 513 1,983
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 2,304 23,015 SH   DFND   22,241 0 774
GOLDMAN SACHS ACCESS INV GRADE CORP BOND ETF ACCESS INVT GR 381430479 3,197 59,917 SH   DFND   59,917 0 0
GOLDMAN SACHS ACTIVEBETA EMERGING MARKETS ACTIVEBETA EME 381430206 69,882 1,769,620 SH   DFND   1,734,926 555 34,139
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF ACTIVEBETA INT 381430107 2,270 68,706 SH   DFND   68,706 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 674 10,000 SH   DFND   10,000 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 4,063 1,970 SH   DFND   1,970 0 0
ALPHABET INC CL C CAP STK CL C 02079K107 6,920 3,345 SH   DFND   3,345 0 0
COGNIZANT TECH SOLUTIONS - A CL A 192446102 208 2,660 SH   DFND   2,500 160 0
CONSTELLATION BRANDS INC CL A 21036P108 220 966 SH   DFND   966 0 0
TWILIO INC - A CL A 90138F102 613 1,800 SH   DFND   1,800 0 0
LITHIA MOTORS INC CL A CL A 536797103 774 1,985 SH   DFND   1,985 0 0
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 814 13,907 SH   DFND   13,907 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 820 2,821 SH   DFND   2,821 0 0
ZOETIS INC. CL A 98978V103 1,606 10,200 SH   DFND   10,200 0 0
FACEBOOK INC CL A 30303M102 2,306 7,829 SH   DFND   7,729 0 100
BERKSHIRE HATHAWAY INC DEL CL A 084670108 5,014 13 SH   DFND   13 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 15,042 39 SH   DFND   39 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 182,191 3,367,057 SH   DFND   2,877,378 1,622 488,057
VIACOMCBS INC CL B 92556H206 219 4,865 SH   DFND   4,865 0 0
BROWN-FORMAN CORP CL B 115637209 457 6,621 SH   DFND   6,621 0 0
NIKE INC CL B CL B 654106103 3,192 24,020 SH   DFND   20,620 0 3,400
UNITED PARCEL SVC INC CL B CL B 911312106 65,235 383,760 SH   DFND   380,448 199 3,113
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 6,654 26,048 SH   DFND   24,948 0 1,100
MASTERCARD CLA 57636Q104 216,637 608,445 SH   DFND   517,116 380 90,949
REPUBLIC FIRST BANCORP INC COM COM 760416107 176 46,565 SH   DFND   46,565 0 0
NUVEEN PREFERRED & INCOME COM 67075T105 208 8,500 SH   DFND   8,500 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 211 1,040 SH   DFND   1,040 0 0
NUVEEN PA INVT QUALITY MUN FD COM 670972108 212 14,765 SH   DFND   14,765 0 0
YUM BRANDS INC COM COM 988498101 219 2,025 SH   DFND   2,025 0 0
BLACK KNIGHT INC COM 09215C105 224 3,023 SH   DFND   3,023 0 0
AMERICAN WTR WK COM 030420103 236 1,575 SH   DFND   1,575 0 0
DIGITAL REALTY TRUST COM 253868103 241 1,712 SH   DFND   1,712 0 0
PROGRESSIVE CORP OHIO COM 743315103 245 2,558 SH   DFND   2,558 0 0
INTERNATIONAL PAPER CO COM 460146103 249 4,600 SH   DFND   4,600 0 0
INTERACTIVE BROKERS GROUP COM 45841N107 258 3,530 SH   DFND   3,530 0 0
XYLEM INC COM 98419M100 265 2,520 SH   DFND   2,520 0 0
MARATHON PETROLEUM CORP COM 56585A102 267 4,998 SH   DFND   4,998 0 0
HUBBELL INC COM 443510607 299 1,600 SH   DFND   1,600 0 0
TESLA MOTORS IN COM 88160R101 301 450 SH   DFND   450 0 0
EXELON CORP COM 30161N101 303 6,916 SH   DFND   6,916 0 0
ALLSTATE CORP COM 020002101 353 3,069 SH   DFND   3,069 0 0
AMETEK INC COM 031100100 379 2,965 SH   DFND   2,965 0 0
UGI CORP NEW COM 902681105 381 9,302 SH   DFND   9,302 0 0
LINDE PLC COM G5494J103 385 1,374 SH   DFND   1,374 0 0
NUVEEN MA QUALITY MUNI INC FD COM 67061E104 393 27,500 SH   DFND   27,500 0 0
DOVER CORP COM 260003108 411 3,000 SH   DFND   3,000 0 0
PAYCHEX INC COM 704326107 423 4,317 SH   DFND   4,317 0 0
GENERAL ELECTRIC COM 369604103 427 32,499 SH   DFND   32,499 0 0
WW GRAINGER INC COM 384802104 435 1,084 SH   DFND   1,084 0 0
PPL CORP COM COM 69351T106 438 15,186 SH   DFND   15,186 0 0
COPART, INC COM 217204106 450 4,147 SH   DFND   4,147 0 0
FASTENAL COMPANY COM 311900104 452 8,991 SH   DFND   8,991 0 0
CUMMINS INC COM 231021106 453 1,750 SH   DFND   1,750 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 453 8,260 SH   DFND   8,260 0 0
CARRIER GLOBAL CORP COM 14448C104 458 10,837 SH   DFND   10,837 0 0
SOUTHERN CO COM 842587107 473 7,616 SH   DFND   7,616 0 0
SEI INVESTMENTS CO COM 784117103 480 7,870 SH   DFND   7,870 0 0
FLEETCOR TECHNOLOGIES INC. COM 339041105 537 2,000 SH   DFND   2,000 0 0
QUANTA SVCS INC COM 74762E102 552 6,270 SH   DFND   6,270 0 0
CANADIAN NATL RAILWAY CO COM 136375102 576 4,963 SH   DFND   4,963 0 0
HANOVER FOODS CORP - CL A COM 41078W100 588 7,333 SH   DFND   7,333 0 0
PUBLIC SVC ENTERPRISES COM 744573106 597 9,909 SH   DFND   9,909 0 0
JACK HENRY & ASSOCIATES INC. COM 426281101 607 4,000 SH   DFND   3,700 300 0
M & T BK CORP COM 55261F104 659 4,349 SH   DFND   4,349 0 0
CLOROX CO COM 189054109 693 3,590 SH   DFND   3,590 0 0
TRANSDIGM GROUP, INC. COM 893641100 706 1,200 SH   DFND   1,200 0 0
MICROCHIP TECHNOLOGY COM 595017104 707 4,555 SH   DFND   4,555 0 0
ZIMMER HLDGS INC COM 98956P102 743 4,640 SH   DFND   4,640 0 0
LILLY, ELI & COMPANY COM 532457108 746 3,992 SH   DFND   3,812 0 180
NETFLIX INC COM 64110L106 767 1,470 SH   DFND   1,470 0 0
TRAVELERS COMPANIES INC COM 89417E109 775 5,152 SH   DFND   2,319 0 2,833
THE HERSHEY COMPANY COM 427866108 854 5,397 SH   DFND   5,397 0 0
CIGNA CORP COM 125523100 900 3,725 SH   DFND   3,725 0 0
PHILLIPS 66 COM 718546104 912 11,183 SH   DFND   11,183 0 0
PUBLIC STORAGE COM 74460D109 913 3,700 SH   DFND   3,700 0 0
GENERAL MILLS INC COM 370334104 933 15,216 SH   DFND   13,308 0 1,908
KROGER CO COM 501044101 959 26,637 SH   DFND   26,637 0 0
DOMINION ENERGY INC COM 25746U109 1,074 14,144 SH   DFND   14,144 0 0
CONOCOPHILLIPS COM 20825C104 1,117 21,085 SH   DFND   21,085 0 0
SYSCO CORP COM 871829107 1,122 14,252 SH   DFND   14,252 0 0
CONSOLIDATED EDISON INC COM 209115104 1,149 15,358 SH   DFND   15,358 0 0
ESSENTIAL UTILITIES INC COM 29670G102 1,189 26,559 SH   DFND   24,602 0 1,957
AFLAC COM 001055102 1,281 25,027 SH   DFND   25,027 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 1,303 9,267 SH   DFND   9,267 0 0
CHURCH & DWIGHT CO COM 171340102 1,424 16,306 SH   DFND   16,306 0 0
WELLS FARGO CO COM 949746101 1,430 36,605 SH   DFND   36,605 0 0
PPG INDS INC COM 693506107 1,437 9,561 SH   DFND   6,344 0 3,217
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 1,460 3,850 SH   DFND   3,850 0 0
BOEING CO COM 097023105 1,474 5,788 SH   DFND   5,605 0 183
ANTHEM INC COM 036752103 1,495 4,165 SH   DFND   4,165 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,594 3,492 SH   DFND   3,492 0 0
PAYPAL HOLDINGS, INC. COM 70450Y103 1,620 6,673 SH   DFND   6,498 175 0
FEDEX CORP COM 31428X106 1,652 5,816 SH   DFND   5,628 0 188
ENTERPRISE PRODUCTS PARTNERS COM 293792107 1,658 75,293 SH   DFND   75,293 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,743 5,385 SH   DFND   5,385 0 0
TEXAS INSTRUMENTS INC COM 882508104 1,743 9,224 SH   DFND   9,224 0 0
CHEMOURS COMPANY COM 163851108 1,776 63,621 SH   DFND   63,621 0 0
GLATFELTER CORP COM 377320106 1,820 106,145 SH   DFND   106,145 0 0
CHUBB LTD COM H1467J104 1,908 12,079 SH   DFND   12,079 0 0
PNC FINANCIAL CORP COM 693475105 2,189 12,482 SH   DFND   12,482 0 0
INTL FLAVORS & FRAGRANCES COM 459506101 2,402 17,206 SH   DFND   16,889 0 317
DANAHER CORP COM 235851102 2,557 11,362 SH   DFND   11,362 0 0
WALMART INC COM 931142103 2,574 18,948 SH   DFND   18,248 0 700
NESTLE S A SPON ADR REG COM 641069406 2,886 25,881 SH   DFND   25,881 0 0
STRYKER CORP COM 863667101 2,923 12,000 SH   DFND   12,000 0 0
CATERPILLAR INC COM 149123101 2,937 12,666 SH   DFND   12,416 0 250
WASTE MGMT INC DEL COM 94106L109 3,046 23,608 SH   DFND   23,608 0 0
QUALCOMM INC COM 747525103 3,055 23,039 SH   DFND   23,039 0 0
DEERE & CO. COM 244199105 3,170 8,472 SH   DFND   8,472 0 0
ALTRIA GROUP INC COM COM 02209S103 3,452 67,469 SH   DFND   67,069 0 400
SHERWIN WILLIAMS CO COM 824348106 3,874 5,249 SH   DFND   5,163 86 0
COLGATE-PALMOLIVE CO COM 194162103 4,046 51,324 SH   DFND   41,054 0 10,270
EMERSON ELECTRIC CO COM 291011104 4,109 45,540 SH   DFND   41,860 0 3,680
NORFOLK SOUTHERN CORP COM 655844108 4,471 16,651 SH   DFND   16,651 0 0
TARGET CORP COM 87612E106 4,702 23,739 SH   DFND   23,614 0 125
ILLINOIS TOOL WKS INC COM 452308109 4,850 21,893 SH   DFND   21,694 199 0
BRISTOL MYERS SQUIBB CO COM 110122108 5,226 82,785 SH   DFND   81,585 0 1,200
AMAZON.COM INC COM 023135106 5,232 1,691 SH   DFND   1,691 0 0
AMERICAN EXPRESS CO COM 025816109 5,550 39,239 SH   DFND   39,239 0 0
NEXTERA ENERGY INC COM 65339F101 5,706 75,472 SH   DFND   75,472 0 0
CORTEVA INC COM 22052L104 5,952 127,662 SH   DFND   127,235 0 427
KIMBERLY CLARK CORP COM 494368103 6,237 44,854 SH   DFND   43,744 0 1,110
3M COMPANY COM 88579Y101 8,593 44,598 SH   DFND   34,598 0 10,000
EXXON MOBIL CORP COM 30231G102 9,926 177,781 SH   DFND   168,631 0 9,150
ABBOTT LABS COM 002824100 10,709 89,364 SH   DFND   80,614 0 8,750
ABBVIE INC. COM 00287Y109 11,001 101,658 SH   DFND   84,755 0 16,903
AMERICAN ELECTRIC POWER COM 025537101 11,098 131,026 SH   DFND   130,535 0 491
AMGEN INC COM 031162100 11,378 45,731 SH   DFND   45,731 0 0
VERIZON COMMUNICATIONS COM 92343V104 13,290 228,550 SH   DFND   225,065 0 3,485
UNION PACIFIC CORP COM 907818108 13,972 63,392 SH   DFND   62,732 0 660
TRUIST FINANCIAL CORP COM 89832Q109 15,142 259,642 SH   DFND   257,291 0 2,351
LOCKHEED MARTIN CORP COM 539830109 16,799 45,464 SH   DFND   45,314 0 150
PFIZER INC COM 717081103 17,312 477,829 SH   DFND   467,085 0 10,744
INTEL CORP COM 458140100 17,891 279,539 SH   DFND   278,429 0 1,110
INTERNATIONAL BUSINESS MACHINES COM 459200101 19,996 150,049 SH   DFND   150,049 0 0
PHILIP MORRIS INTL,INC COM 718172109 22,790 256,821 SH   DFND   255,982 0 839
PROCTER & GAMBLE COM 742718109 31,042 229,208 SH   DFND   176,601 0 52,607
DOW INC COM 260557103 32,276 504,791 SH   DFND   503,527 0 1,264
V F CORPORATION COM 918204108 34,048 426,020 SH   DFND   422,030 710 3,280
HOME DEPOT INC COM 437076102 34,678 113,605 SH   DFND   110,015 0 3,590
SKYWORKS SOLUTIONS INC COM 83088M102 44,091 240,302 SH   DFND   237,522 285 2,495
AMERICAN TOWER CORP COM 03027X100 46,515 194,576 SH   DFND   193,024 301 1,251
GENUINE PARTS CO COM 372460105 52,760 456,439 SH   DFND   453,583 476 2,380
AUTOMATIC DATA PROCESSING COM 053015103 55,311 293,475 SH   DFND   289,359 240 3,876
CHEVRON CORPORATION COM 166764100 56,710 541,180 SH   DFND   529,917 364 10,899
MCDONALDS CORP COM 580135101 57,777 257,770 SH   DFND   238,184 311 19,275
MERCK & CO COM 58933Y105 61,880 802,698 SH   DFND   787,978 888 13,832
CISCO SYS INC COM 17275R102 63,646 1,230,828 SH   DFND   1,223,239 944 6,645
ECOLAB INC COM 278865100 88,043 411,280 SH   DFND   364,156 315 46,809
COSTCO WHSL CORP NEW COM COM 22160K105 88,188 250,192 SH   DFND   221,412 228 28,552
AT&T INC COM 00206R102 96,456 3,186,537 SH   DFND   3,183,090 0 3,447
AIR PRODUCTS & CHEMICALS INC COM 009158106 107,709 382,842 SH   DFND   336,674 192 45,976
STARBUCKS CORP COM 855244109 111,394 1,019,434 SH   DFND   889,220 672 129,542
S&P GLOBAL INC COM 78409V104 112,470 318,728 SH   DFND   271,023 350 47,355
ORACLE SYS CORP COM 68389X105 116,425 1,659,186 SH   DFND   1,414,596 811 243,779
COCA-COLA CO COM 191216100 118,118 2,240,894 SH   DFND   2,014,746 871 225,277
BECTON DICKINSON COM 075887109 139,743 574,718 SH   DFND   497,461 383 76,874
DOLLAR GENERAL CORP COM 256677105 145,989 720,506 SH   DFND   628,799 452 91,255
BAXTER INTL INC COM 071813109 146,211 1,733,586 SH   DFND   1,526,219 938 206,429
RAYTHEON TECHNOLOGIES CORP COM 75513E101 146,906 1,901,206 SH   DFND   1,691,901 1,403 207,902
HONEYWELL INTERNATIONAL, INC. COM 438516106 159,664 735,541 SH   DFND   648,074 485 86,982
DUPONT DE NEMOURS INC COM 26614N102 159,717 2,066,733 SH   DFND   1,843,037 1,057 222,639
TJX COS INC NEW COM 872540109 167,027 2,524,966 SH   DFND   2,135,592 1,214 388,160
PEPSICO INC COM 713448108 176,422 1,247,238 SH   DFND   1,093,972 477 152,789
UNITEDHEALTH GROUP INC COM 91324P102 185,451 498,431 SH   DFND   417,111 257 81,063
CVS HEALTH CORPORATION COM 126650100 188,871 2,510,575 SH   DFND   2,225,850 1,264 283,461
JOHNSON & JOHNSON COM 478160104 230,792 1,404,271 SH   DFND   1,256,452 826 146,993
BLACKROCK INC COM 09247X101 235,776 312,717 SH   DFND   271,359 154 41,204
J.P. MORGAN CHASE & CO COM 46625H100 241,623 1,587,226 SH   DFND   1,400,743 896 185,587
LOWES COS INC COM 548661107 245,141 1,288,994 SH   DFND   1,096,157 600 192,237
MICROSOFT CORP COM 594918104 317,064 1,344,801 SH   DFND   1,207,951 800 136,050
APPLE INC COM 037833100 333,088 2,726,876 SH   DFND   2,398,388 1,844 326,644
CME GROUP INC. COM CL A 12572Q105 234 1,144 SH   DFND   1,144 0 0
THE TRADE DESK INC COM CL A 88339J105 280 430 SH   DFND   430 0 0
THE BLACKSTONE GROUP INC COM CL A 09260D107 592 7,942 SH   DFND   7,942 0 0
VISA IN - CLASS A COM CL A 92826C839 2,822 13,329 SH   DFND   13,329 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 82,317 446,116 SH   DFND   356,268 179 89,669
TORONTO-DOMINION BANK COM NEW 891160509 247 3,793 SH   DFND   3,793 0 0
U S BANCORP COM NEW 902973304 738 13,351 SH   DFND   4,115 0 9,236
DUKE ENERGY CORP COM NEW 26441C204 1,099 11,388 SH   DFND   11,388 0 0
MCCORMICK & CO COM NON VTG 579780206 202 2,262 SH   DFND   2,262 0 0
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 295 6,795 SH   DFND   6,795 0 0
ENERGY TRANSFER COM UT LTD PTN 29273V100 811 105,544 SH   DFND   105,544 0 0
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 931 12,701 SH   DFND   12,701 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 144,050 1,999,304 SH   DFND   1,941,963 2,162 55,179
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 351,095 5,455,174 SH   DFND   5,306,460 6,448 142,266
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,378 19,605 SH   DFND   19,605 0 0
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 135,369 340,277 SH   DFND   337,070 421 2,786
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 121,356 466,250 SH   DFND   454,671 449 11,130
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 228,851 2,108,643 SH   DFND   2,058,190 2,109 48,344
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE US AGGBD ET 464287226 17,675 155,272 SH   DFND   155,272 0 0
VANGUARD DIVIDEND DIV APP ETF 921908844 20,348 138,346 SH   DFND   138,346 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 296 2,948 SH   DFND   2,948 0 0
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,737 27,500 SH   DFND   27,500 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF EMRG MARKETS ETF 19762B509 446 16,025 SH   DFND   16,025 0 0
ISHARES MSC EAFE ESG ESG AW MSCI EAFE 46435G516 315 4,147 SH   DFND   4,147 0 0
ISHARES ESG MSCI USA SMALL- CAP ESG AWARE MSCI 46435U663 781 20,260 SH   DFND   20,260 0 0
ISHARES MSCI EM ESG OP ESG AWR MSCI EM 46434G863 1,033 23,859 SH   DFND   23,859 0 0
VANGUARD ESG INTL STOCK ETF ESG INTL STK ETF 921910725 1,497 24,392 SH   DFND   24,392 0 0
VANGUARD ESG US STOCK ETF ESG US STK ETF 921910733 839 11,378 SH   DFND   11,378 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 384 1,125 SH   DFND   1,125 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 1,859 36,617 SH   DFND   36,617 0 0
FNF GROUP FNF GROUP COM 31620R303 366 8,990 SH   DFND   8,990 0 0
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 4,787 97,474 SH   DFND   97,474 0 0
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 6,671 128,165 SH   DFND   128,165 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 741 11,758 SH   DFND   11,758 0 0
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 54,713 426,210 SH   DFND   414,139 587 11,484
iSHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 253 822 SH   DFND   822 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,600 10,000 SH   DFND   10,000 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 362 1,410 SH   DFND   1,410 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 3,768 37,278 SH   DFND   37,278 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 438 5,023 SH   DFND   5,023 0 0
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 976 7,503 SH   DFND   6,863 0 640
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 3,806 10,618 SH   DFND   10,618 0 0
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 82,540 1,010,778 SH   DFND   991,168 1,028 18,582
ARK INNOVATION ETF INNOVATION ETF 00214Q104 282 2,352 SH   DFND   2,352 0 0
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 48,219 814,099 SH   DFND   800,297 1,033 12,769
WISDOMTREE DEFA FUND INTL EQUITY FD 97717W703 511 9,720 SH   DFND   9,720 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 318 10,106 SH   DFND   10,106 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 636 5,534 SH   DFND   5,534 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 263 2,830 SH   DFND   2,830 0 0
ISHARES SILVER TRUST ISHARES 46428Q109 204 9,000 SH   DFND   9,000 0 0
VANGUARD LARGE - CAP ETF LARGE CAP ETF 922908637 276 1,490 SH   DFND   1,490 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 93,052 858,259 SH   DFND   846,157 657 11,445
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 527 2,456 SH   DFND   2,456 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629 1,253 5,659 SH   DFND   5,659 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,379 14,494 SH   DFND   14,494 0 0
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 9,627 174,460 SH   DFND   173,365 125 970
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,222 16,100 SH   DFND   16,100 0 0
ISHARES MSCI EMERGING MARKETS INDEX FUND MSCI EMG MKT ETF 464287234 651 12,201 SH   DFND   12,201 0 0
ISHARES MSCI USA ESG SELECT MSCI USA ESG SLC 464288802 244 2,775 SH   DFND   2,775 0 0
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 608 5,240 SH   DFND   5,240 0 0
NUVEEN ESG EMERGING MARKETS NUVEEN ESG EMRGN 67092P888 755 21,500 SH   DFND   21,500 0 0
NUVEEN ESG MID-CAP GROWTH ETF NUVEEN ESG MIDCP 67092P409 338 6,760 SH   DFND   6,760 0 0
BROOKFIELD RENE PARTNERSHIP UNIT G16258108 204 4,800 SH   DFND   4,800 0 0
VANGUARD REIT ETF REIT ETF 922908553 3,254 35,425 SH   DFND   35,425 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 369 1,649 SH   DFND   1,649 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 5,079 20,896 SH   DFND   20,896 0 0
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 692 4,565 SH   DFND   4,565 0 0
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 1,583 5,265 SH   DFND   5,265 0 0
ISHARES RUSSELL MID CAP VALUE INDEX FUND RUS MDCP VAL ETF 464287473 339 3,103 SH   DFND   3,103 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 1,586 15,544 SH   DFND   15,544 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,590 21,504 SH   DFND   21,504 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 2,505 11,337 SH   DFND   11,337 0 0
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 332 1,400 SH   DFND   1,400 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 5,718 15,695 SH   DFND   15,695 0 0
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 1,796 27,580 SH   DFND   27,580 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 364 3,085 SH   DFND   3,085 0 0
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 239 3,052 SH   DFND   3,052 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 248 2,430 SH   DFND   2,430 0 0
INVESCO S&P 500 EQUAL WEIGHT S&P500 EQL TEC 46137V282 297 1,100 SH   DFND   1,100 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 12,387 87,442 SH   DFND   87,442 0 0
CONSUMER DISCRETIONARY SELECT SBI CONS DISCR 81369Y407 238 1,416 SH   DFND   1,416 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 985 15,388 SH   DFND   15,388 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 3,132 27,447 SH   DFND   27,447 0 0
ISHARES S&P SHORT TERM NATIONAL AMT-FREE MUNICIPAL SHRT NAT MUN ETF 464288158 1,235 11,451 SH   DFND   11,451 0 0
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 11,102 186,051 SH   DFND   185,248 0 803
EATON CORP, PLC SHS G29183103 11,443 82,754 SH   DFND   82,654 0 100
MEDTRONIC PLC SHS G5960L103 107,749 912,126 SH   DFND   829,232 593 82,301
AON PLC SHS CL A G0403H108 292 1,270 SH   DFND   1,270 0 0
ACCENTURE LTD SHS CLASS A G1151C101 212,372 768,767 SH   DFND   646,071 427 122,269
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 6,290 125,316 SH   DFND   125,316 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 2,337 10,915 SH   DFND   10,915 0 0
SAP SE SPONSORED ADR SPON ADR 803054204 705 5,745 SH   DFND   5,745 0 0
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 470 12,771 SH   DFND   12,771 0 0
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 13,577 243,182 SH   DFND   225,323 0 17,859
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 29,808 181,521 SH   DFND   179,999 282 1,240
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,851 47,200 SH   DFND   46,500 0 700
ASTRA ZENECA PLC ADR SPONSORED ADR 046353108 248 4,990 SH   DFND   4,990 0 0
SONY CORP - SPONSORED ADR SPONSORED ADR 835699307 424 4,000 SH   DFND   4,000 0 0
NOVARTIS AG - ADR SPONSORED ADR 66987V109 4,084 47,780 SH   DFND   47,780 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 11,199 313,772 SH   DFND   228,295 806 84,671
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 17,506 546,538 SH   DFND   538,754 1,827 5,957
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 999 7,521 SH   DFND   7,521 0 0
ISHARES BARCLAYS TIPS BOND FUND TIPS BD ETF 464287176 2,161 17,221 SH   DFND   17,221 0 0
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 38,057 184,124 SH   DFND   184,124 0 0
SPDR TR UNIT SER 1 TR UNIT 78462F103 55,965 141,209 SH   DFND   100,734 0 40,475
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 2,338 60,883 SH   DFND   60,883 0 0
ISHARES DJ US TECHNOLOGY SECTOR INDEX FUND U.S. TECH ETF 464287721 972 11,088 SH   DFND   11,088 0 0
ISHARES ULTRA SHORT-TERM BOND ULTR SH TRM BD 46434V878 20,943 414,546 SH   DFND   411,117 0 3,429
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 9,327 29,225 SH   DFND   29,067 0 158
SCHWAB US DVD EQUITY ETF US DIVIDEND EQ 808524797 304 4,173 SH   DFND   4,173 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 371 1,473 SH   DFND   1,473 0 0
ISHARES US TREASURY BOND ETF US TREAS BD ETF 46429B267 575 21,971 SH   DFND   21,971 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 1,796 3,772 SH   DFND   3,772 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 481 3,662 SH   DFND   3,662 0 0
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 4,023 64,164 SH   DFND   64,164 0 0
KINDER MORGAN INC DEL COM 49456B101 173 10,407 SH   DFND   10,407 0 0
MARRIOTT INTL INC NEW CL A 571903202 200 1,353 SH   DFND   1,353 0 0
FRANKLIN RES INC COM 354613101 201 6,800 SH   DFND   6,800 0 0
LAM RESEARCH CP COM 512807108 204 342 SH   DFND   342 0 0
VENTAS INC COM 92276F100 210 3,933 SH   DFND   3,933 0 0
OTIS WORLDWIDE CORP COM 68902V107 215 3,135 SH   DFND   3,135 0 0
CARMAX COM 143130102 217 1,635 SH   DFND   1,635 0 0
CELANESE CORPORATION COM 150870103 222 1,480 SH   DFND   1,480 0 0
TIMOTHY PLAN US SMALL CAP CO US SM CP CORE 887432342 227 7,000 SH   DFND   7,000 0 0
SPDR SER TR S&P 600 SMCP VAL 78464A300 246 3,000 SH   DFND   3,000 0 0
NAVISTAR INTERNATIONAL CORP COM 63934E108 308 7,000 SH   DFND   7,000 0 0
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI USA MMENTM 46432F396 355 2,208 SH   DFND   2,208 0 0
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 395 10,512 SH   DFND   10,512 0 0
JPM DIVERSIFIED RET INTL EQ DIV RTN INT EQ 46641Q209 418 6,854 SH   DFND   6,854 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607 420 4,213 SH   DFND   4,213 0 0
ISHARES TR MRGSTR MD CP ETF 464288208 504 2,005 SH   DFND   2,005 0 0
MASCO CORP COM 574599106 526 8,785 SH   DFND   8,785 0 0
SCHWAB US MID CAP ETF US MID CAP ETF 808524508 579 7,777 SH   DFND   7,777 0 0
SCHWAB US LARGE-CAP VALUE ETF US LCAP VA ETF 808524409 647 9,917 SH   DFND   9,917 0 0
ISHARES TR CORE DIV GRWTH 46434V621 1,485 30,774 SH   DFND   30,774 0 0
BOYD GAMING CORP COM 103304101 5,896 100,000 SH   DFND   100,000 0 0
WASHINGTON TR BANCORP INC COM 940610108 5,995 116,123 SH   DFND   116,123 0 0
FORD MOTOR CO COM 345370860 6,133 500,628 SH   DFND   500,628 0 0
SCHLUMBERGER COM 806857108 9,150 336,520 SH   DFND   336,520 0 0
TEGNA INC COM 87901J105 9,415 500,000 SH   DFND   500,000 0 0
INTERCONTINENTAL EXCHANGE COM 45866F104 59,457 532,386 SH   DFND   488,668 575 43,143