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 274 274 SH   DFND   3,910 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 69,906 69,906 SH   DFND   1,254,545 1,223 19,663
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 18,646 18,646 SH   DFND   158,471 513 2,463
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 2,324 2,324 SH   DFND   22,441 0 774
GOLDMAN SACHS ACCESS INV GRADE CORP BOND ETF ACCESS INVT GR 381430479 3,286 3,286 SH   DFND   59,917 0 0
GOLDMAN SACHS ACTIVEBETA EMERGING MARKETS ACTIVEBETA EME 381430206 81,648 81,648 SH   DFND   1,964,006 1,305 35,382
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF ACTIVEBETA INT 381430107 3,041 3,041 SH   DFND   87,067 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 1,002 1,002 SH   DFND   11,960 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 6,437 6,437 SH   DFND   2,558 0 78
ALPHABET INC CL C CAP STK CL C 02079K107 9,527 9,527 SH   DFND   3,693 0 108
BERKSHIRE HATHAWAY INC DEL CL A 084670108 21,767 21,767 SH   DFND   52 0 0
CHARTER COMMUNICATION - CL A CL A 16119P108 219 219 SH   DFND   304 0 0
CONSTELLATION BRANDS INC CL A 21036P108 226 226 SH   DFND   966 0 0
CACI INTERNATIONAL, INC CL A 127190304 276 276 SH   DFND   0 0 1,080
LITHIA MOTORS INC CL A CL A 536797103 682 682 SH   DFND   1,985 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 902 902 SH   DFND   2,835 0 0
COGNIZANT TECH SOLUTIONS - A CL A 192446102 228 228 SH   DFND   2,500 160 630
MARRIOTT INTL INC NEW CL A CL A 571903202 635 635 SH   DFND   4,653 0 0
FACEBOOK INC CL A 30303M102 2,774 2,774 SH   DFND   7,877 0 100
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 871 871 SH   DFND   13,953 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 193,540 193,540 SH   DFND   2,908,714 1,622 483,917
TWILIO INC - A CL A 90138F102 715 715 SH   DFND   1,814 0 0
ZOETIS INC. CL A 98978V103 1,939 1,939 SH   DFND   10,404 0 0
BROWN-FORMAN CORP CL B 115637209 371 371 SH   DFND   4,945 0 0
NIKE INC CL B CL B 654106103 6,945 6,945 SH   DFND   36,915 0 8,038
UNITED PARCEL SVC INC CL B CL B 911312106 80,080 80,080 SH   DFND   381,744 199 3,113
VIACOMCBS INC CL B 92556H206 220 220 SH   DFND   4,865 0 0
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 8,051 8,051 SH   DFND   24,260 0 4,710
MASTERCARD CLA 57636Q104 225,927 225,927 SH   DFND   525,835 380 92,612
BOOKING HOLDINGS INC. COM 09857L108 420 420 SH   DFND   192 0 0
REGENERON PHARMACEUTICALS COM 75886F107 223 223 SH   DFND   400 0 0
LAM RESEARCH CP COM 512807108 262 262 SH   DFND   402 0 0
CINTAS CORP COM 172908105 208 208 SH   DFND   544 0 0
PARKER-HANNIFIN CORP COM 701094104 254 254 SH   DFND   411 0 417
AUTODESK INC COM 052769106 294 294 SH   DFND   430 0 578
MCKESSON HBOC INC. COM 58155Q103 222 222 SH   DFND   1,160 0 0
HUBBELL INC COM 443510607 224 224 SH   DFND   1,200 0 0
MKS INSTRUMENTS COM 55306N104 222 222 SH   DFND   1,250 0 0
INTUIT INC COM 461202103 713 713 SH   DFND   1,454 0 0
CELANESE CORPORATION COM 150870103 224 224 SH   DFND   1,480 0 0
NETFLIX INC COM 64110L106 788 788 SH   DFND   1,491 0 0
CARMAX COM 143130102 211 211 SH   DFND   1,635 0 0
DIGITAL REALTY TRUST COM 253868103 258 258 SH   DFND   1,712 0 0
ANALOG DEVICES COM 032654105 340 340 SH   DFND   1,975 0 0
FLEETCOR TECHNOLOGIES INC. COM 339041105 512 512 SH   DFND   2,000 0 0
CUMMINS INC COM 231021106 510 510 SH   DFND   1,750 0 340
DIAMONDBACK ENERGY INC COM 25278X109 202 202 SH   DFND   0 0 2,155
EOG RESOURCES INC COM 26875P101 213 213 SH   DFND   0 0 2,558
PROGRESSIVE CORP OHIO COM 743315103 251 251 SH   DFND   2,558 0 0
ADOBE SYSTEMS COM 00724F101 1,503 1,503 SH   DFND   1,822 0 745
AMAZON.COM INC COM 023135106 9,495 9,495 SH   DFND   2,321 0 439
ALLSTATE CORP COM 020002101 361 361 SH   DFND   2,769 0 0
LINDE PLC COM G5494J103 811 811 SH   DFND   2,653 0 152
AMERICAN WTR WK COM 030420103 450 450 SH   DFND   1,700 0 1,220
FORTIVE CORP COM 34959J108 205 205 SH   DFND   2,943 0 0
AMETEK INC COM 031100100 396 396 SH   DFND   2,965 0 0
DOVER CORP COM 260003108 452 452 SH   DFND   3,000 0 0
BLACK KNIGHT INC COM 09215C105 236 236 SH   DFND   3,023 0 0
CITRIX SYSTEMS INC COM 177376100 385 385 SH   DFND   0 0 3,286
OTIS WORLDWIDE CORP COM 68902V107 275 275 SH   DFND   3,361 0 0
INTERACTIVE BROKERS GROUP COM 45841N107 232 232 SH   DFND   3,530 0 0
CIGNA CORP COM 125523100 876 876 SH   DFND   3,694 0 0
PUBLIC STORAGE COM 74460D109 1,113 1,113 SH   DFND   3,700 0 0
LILLY, ELI & COMPANY COM 532457108 893 893 SH   DFND   3,711 0 180
PRUDENTIAL FINL INC COM 744320102 409 409 SH   DFND   1,991 0 2,000
JACK HENRY & ASSOCIATES INC. COM 426281101 654 654 SH   DFND   3,700 300 0
CLOROX CO COM 189054109 734 734 SH   DFND   3,591 0 490
BANK NEW YORK MELLON CORP COM 064058100 212 212 SH   DFND   3,894 0 252
COPART, INC COM 217204106 547 547 SH   DFND   4,147 0 0
FISERV INC COM 337738108 445 445 SH   DFND   475 219 3,470
M & T BK CORP COM 55261F104 632 632 SH   DFND   4,349 0 0
ANTHEM INC COM 036752103 1,704 1,704 SH   DFND   4,462 0 0
MICROCHIP TECHNOLOGY COM 595017104 682 682 SH   DFND   4,555 0 0
INTERNATIONAL PAPER CO COM 460146103 282 282 SH   DFND   4,600 0 0
CANADIAN NATL RAILWAY CO COM 136375102 524 524 SH   DFND   4,963 0 0
MARATHON PETROLEUM CORP COM 56585A102 305 305 SH   DFND   5,044 0 0
FEDEX CORP COM 31428X106 1,539 1,539 SH   DFND   4,971 0 188
NORTHROP GRUMMAN CORP COM 666807102 1,957 1,957 SH   DFND   5,385 0 0
BOEING CO COM 097023105 1,578 1,578 SH   DFND   5,530 0 1,058
EXELON CORP COM 30161N101 306 306 SH   DFND   6,916 0 0
NAVISTAR INTERNATIONAL CORP COM 63934E108 312 312 SH   DFND   7,000 0 0
HANOVER FOODS CORP - CL A COM 41078W100 572 572 SH   DFND   7,333 0 0
PAYCHEX INC COM 704326107 818 818 SH   DFND   4,317 0 3,310
FRANKLIN RES INC COM 354613101 250 250 SH   DFND   7,800 0 0
DEERE & CO. COM 244199105 2,948 2,948 SH   DFND   8,072 0 285
NORTHERN TR CORP COM 665859104 978 978 SH   DFND   3,910 0 4,550
NUVEEN PREFERRED & INCOME COM 67075T105 212 212 SH   DFND   8,500 0 0
MASCO CORP COM 574599106 518 518 SH   DFND   8,785 0 0
FASTENAL COMPANY COM 311900104 478 478 SH   DFND   9,191 0 0
PUBLIC SVC ENTERPRISES COM 744573106 550 550 SH   DFND   9,212 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 1,317 1,317 SH   DFND   9,295 0 0
PPG INDS INC COM 693506107 1,590 1,590 SH   DFND   6,151 0 3,217
CARRIER GLOBAL CORP COM 14448C104 463 463 SH   DFND   9,533 0 0
KROGER CO COM 501044101 415 415 SH   DFND   10,837 0 0
CHUBB LTD COM H1467J104 1,855 1,855 SH   DFND   11,575 0 95
PAYPAL HOLDINGS, INC. COM 70450Y103 3,499 3,499 SH   DFND   9,829 175 2,000
CONSOLIDATED EDISON INC COM 209115104 879 879 SH   DFND   12,258 0 0
CATERPILLAR INC COM 149123101 2,767 2,767 SH   DFND   12,299 0 415
PHILLIPS 66 COM 718546104 1,122 1,122 SH   DFND   12,963 0 106
PNC FINANCIAL CORP COM 693475105 2,615 2,615 SH   DFND   13,359 0 350
DOMINION ENERGY INC COM 25746U109 1,041 1,041 SH   DFND   14,144 0 0
NUVEEN PA INVT QUALITY MUN FD COM 670972108 223 223 SH   DFND   14,765 0 0
GENERAL MILLS INC COM 370334104 918 918 SH   DFND   13,156 0 1,908
DANAHER CORP COM 235851102 4,110 4,110 SH   DFND   15,317 0 0
CHURCH & DWIGHT CO COM 171340102 1,421 1,421 SH   DFND   16,676 0 0
PPL CORP COM COM 69351T106 475 475 SH   DFND   16,986 0 0
INTL FLAVORS & FRAGRANCES COM 459506101 2,560 2,560 SH   DFND   17,136 0 0
NORFOLK SOUTHERN CORP COM 655844108 4,678 4,678 SH   DFND   17,624 0 0
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 1,481 1,481 SH   DFND   19,250 0 0
ILLINOIS TOOL WKS INC COM 452308109 5,342 5,342 SH   DFND   23,694 199 0
CONOCOPHILLIPS COM 20825C104 1,532 1,532 SH   DFND   23,504 0 1,644
NUVEEN MA QUALITY MUNI INC FD COM 67061E104 417 417 SH   DFND   27,500 0 0
AFLAC COM 001055102 1,542 1,542 SH   DFND   25,027 0 3,710
GENERAL ELECTRIC COM 369604103 397 397 SH   DFND   29,479 0 0
NESTLE S A SPON ADR REG COM 641069406 3,822 3,822 SH   DFND   25,556 0 5,087
ESSENTIAL UTILITIES INC COM 29670G102 1,572 1,572 SH   DFND   32,451 0 1,957
AMERICAN EXPRESS CO COM 025816109 7,018 7,018 SH   DFND   39,987 0 2,485
LOCKHEED MARTIN CORP COM 539830109 18,279 18,279 SH   DFND   47,391 0 921
KIMBERLY CLARK CORP COM 494368103 6,553 6,553 SH   DFND   40,559 0 8,425
EMERSON ELECTRIC CO COM 291011104 4,757 4,757 SH   DFND   42,242 0 7,183
3M COMPANY COM 88579Y101 10,030 10,030 SH   DFND   40,363 0 10,135
AMGEN INC COM 031162100 12,696 12,696 SH   DFND   50,543 0 1,545
COLGATE-PALMOLIVE CO COM 194162103 4,262 4,262 SH   DFND   41,188 0 11,200
ALTRIA GROUP INC COM COM 02209S103 3,050 3,050 SH   DFND   63,569 0 400
CHEMOURS COMPANY COM 163851108 2,249 2,249 SH   DFND   64,621 0 0
QUALCOMM INC COM 747525103 10,250 10,250 SH   DFND   71,513 0 200
ENTERPRISE PRODUCTS PARTNERS COM 293792107 1,934 1,934 SH   DFND   79,839 0 300
BRISTOL MYERS SQUIBB CO COM 110122108 5,777 5,777 SH   DFND   78,060 0 8,402
ABBOTT LABS COM 002824100 10,812 10,812 SH   DFND   84,609 0 8,650
ABBVIE INC. COM 00287Y109 10,564 10,564 SH   DFND   73,805 0 19,983
GLATFELTER CORP COM 377320106 1,483 1,483 SH   DFND   106,145 0 0
NEXTERA ENERGY INC COM 65339F101 7,947 7,947 SH   DFND   108,442 0 0
HOME DEPOT INC COM 437076102 38,412 38,412 SH   DFND   116,662 0 3,794
CORTEVA INC COM 22052L104 5,709 5,709 SH   DFND   128,302 0 427
AMERICAN ELECTRIC POWER COM 025537101 11,635 11,635 SH   DFND   135,916 0 1,626
INTERNATIONAL BUSINESS MACHINES COM 459200101 21,754 21,754 SH   DFND   148,402 0 0
EXXON MOBIL CORP COM 30231G102 11,394 11,394 SH   DFND   170,080 0 10,551
AMERICAN TOWER CORP COM 03027X100 56,632 56,632 SH   DFND   208,088 301 1,251
COSTCO WHSL CORP NEW COM COM 22160K105 101,618 101,618 SH   DFND   226,846 228 29,752
PHILIP MORRIS INTL,INC COM 718172109 25,603 25,603 SH   DFND   257,676 0 653
PROCTER & GAMBLE COM 742718109 35,627 35,627 SH   DFND   207,592 0 56,452
MCDONALDS CORP COM 580135101 61,666 61,666 SH   DFND   245,496 311 21,155
INTEL CORP COM 458140100 16,483 16,483 SH   DFND   292,497 0 1,110
AUTOMATIC DATA PROCESSING COM 053015103 59,447 59,447 SH   DFND   294,846 240 4,214
BLACKROCK INC COM 09247X101 275,001 275,001 SH   DFND   273,210 154 40,934
AIR PRODUCTS & CHEMICALS INC COM 009158106 112,047 112,047 SH   DFND   341,544 192 47,749
ECOLAB INC COM 278865100 89,382 89,382 SH   DFND   384,386 315 49,254
GENUINE PARTS CO COM 372460105 55,205 55,205 SH   DFND   433,667 476 2,366
FORD MOTOR CO COM 345370860 7,439 7,439 SH   DFND   500,628 0 0
DOW INC COM 260557103 32,601 32,601 SH   DFND   513,920 0 1,264
PFIZER INC COM 717081103 21,089 21,089 SH   DFND   527,248 0 11,295
CHEVRON CORPORATION COM 166764100 57,654 57,654 SH   DFND   537,570 364 12,516
BECTON DICKINSON COM 075887109 143,546 143,546 SH   DFND   510,904 383 78,977
INTERCONTINENTAL EXCHANGE COM 45866F104 72,050 72,050 SH   DFND   558,836 575 47,578
DOLLAR GENERAL CORP COM 256677105 158,889 158,889 SH   DFND   642,599 452 91,220
HONEYWELL INTERNATIONAL, INC. COM 438516106 163,407 163,407 SH   DFND   658,102 485 86,371
MERCK & CO COM 58933Y105 65,810 65,810 SH   DFND   829,491 888 15,838
LOWES COS INC COM 548661107 229,401 229,401 SH   DFND   1,013,665 555 168,443
PEPSICO INC COM 713448108 190,789 190,789 SH   DFND   1,128,952 477 158,205
CISCO SYS INC COM 17275R102 68,311 68,311 SH   DFND   1,280,499 944 7,440
MICROSOFT CORP COM 594918104 369,980 369,980 SH   DFND   1,232,611 800 132,333
JOHNSON & JOHNSON COM 478160104 238,235 238,235 SH   DFND   1,292,928 826 152,375
J.P. MORGAN CHASE & CO COM 46625H100 250,683 250,683 SH   DFND   1,426,340 896 184,458
ORACLE SYS CORP COM 68389X105 127,791 127,791 SH   DFND   1,420,193 811 220,704
BAXTER INTL INC COM 071813109 141,958 141,958 SH   DFND   1,550,833 938 211,676
COCA-COLA CO COM 191216100 98,991 98,991 SH   DFND   1,610,368 300 218,771
RAYTHEON TECHNOLOGIES CORP COM 75513E101 163,233 163,233 SH   DFND   1,704,187 1,403 207,825
DUPONT DE NEMOURS INC COM 26614N102 161,226 161,226 SH   DFND   1,860,612 1,057 221,085
CVS HEALTH CORPORATION COM 126650100 212,461 212,461 SH   DFND   2,261,492 1,264 283,511
APPLE INC COM 037833100 374,920 374,920 SH   DFND   2,412,378 1,844 323,221
AT&T INC COM 00206R102 80,052 80,052 SH   DFND   2,766,042 0 15,456
S&P GLOBAL INC COM 78409V104 130,045 130,045 SH   DFND   271,798 350 44,687
SCHLUMBERGER COM 806857108 10,883 10,883 SH   DFND   339,820 0 158
SEI INVESTMENTS CO COM 784117103 488 488 SH   DFND   7,870 0 0
SHERWIN WILLIAMS CO COM 824348106 4,282 4,282 SH   DFND   15,459 258 0
SKYWORKS SOLUTIONS INC COM 83088M102 46,244 46,244 SH   DFND   238,440 285 2,445
SOUTHERN CO COM 842587107 417 417 SH   DFND   6,892 0 0
STARBUCKS CORP COM 855244109 113,530 113,530 SH   DFND   886,179 672 128,534
STRYKER CORP COM 863667101 3,955 3,955 SH   DFND   14,371 0 855
SYSCO CORP COM 871829107 1,497 1,497 SH   DFND   19,252 0 0
TARGET CORP COM 87612E106 6,959 6,959 SH   DFND   28,662 0 125
TEGNA INC COM 87901J105 9,380 9,380 SH   DFND   500,000 0 0
TESLA MOTORS IN COM 88160R101 306 306 SH   DFND   450 0 0
TEXAS INSTRUMENTS INC COM 882508104 49,503 49,503 SH   DFND   222,313 100 35,011
THE HERSHEY COMPANY COM 427866108 940 940 SH   DFND   5,397 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 2,118 2,118 SH   DFND   3,949 0 250
TJX COS INC NEW COM 872540109 160,062 160,062 SH   DFND   2,014,020 1,094 358,986
TRANSDIGM GROUP, INC. COM 893641100 777 777 SH   DFND   1,200 0 0
TRAVELERS COMPANIES INC COM 89417E109 1,477 1,477 SH   DFND   2,319 0 7,544
TRUIST FINANCIAL CORP COM 89832Q109 15,331 15,331 SH   DFND   273,885 0 2,351
UGI CORP NEW COM 902681105 371 371 SH   DFND   8,002 0 0
UNION PACIFIC CORP COM 907818108 14,956 14,956 SH   DFND   65,398 0 2,605
UNITEDHEALTH GROUP INC COM 91324P102 202,368 202,368 SH   DFND   426,329 257 78,779
V F CORPORATION COM 918204108 37,305 37,305 SH   DFND   449,637 710 4,367
VENTAS INC COM 92276F100 225 225 SH   DFND   3,933 0 0
VERIZON COMMUNICATIONS COM 92343V104 11,604 11,604 SH   DFND   204,300 0 2,802
WALGREENS BOOTS ALLIANCE, INC COM 931427108 592 592 SH   DFND   11,260 0 0
WALMART INC COM 931142103 2,745 2,745 SH   DFND   18,768 0 700
WASHINGTON TR BANCORP INC COM 940610108 5,963 5,963 SH   DFND   116,123 0 0
WASTE MGMT INC DEL COM 94106L109 3,179 3,179 SH   DFND   22,692 0 0
WELLS FARGO CO COM 949746101 1,928 1,928 SH   DFND   42,359 0 206
WW GRAINGER INC COM 384802104 495 495 SH   DFND   1,129 0 0
XYLEM INC COM 98419M100 302 302 SH   DFND   2,520 0 0
YUM BRANDS INC COM COM 988498101 233 233 SH   DFND   2,025 0 0
ZIMMER HLDGS INC COM 98956P102 813 813 SH   DFND   4,640 0 414
CME GROUP INC. COM CL A 12572Q105 227 227 SH   DFND   1,067 0 0
THE BLACKSTONE GROUP INC COM CL A 09260D107 776 776 SH   DFND   7,993 0 0
THE TRADE DESK INC COM CL A 88339J105 337 337 SH   DFND   4,360 0 0
VISA IN - CLASS A COM CL A 92826C839 3,241 3,241 SH   DFND   13,362 0 500
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 69,732 69,732 SH   DFND   317,341 179 79,200
MORGAN STANLEY COM NEW 617446448 220 220 SH   DFND   2,395 0 0
DUKE ENERGY CORP COM NEW 26441C204 1,160 1,160 SH   DFND   11,554 0 200
TORONTO-DOMINION BANK COM NEW 891160509 266 266 SH   DFND   3,793 0 0
U S BANCORP COM NEW 902973304 830 830 SH   DFND   5,340 0 9,236
MCCORMICK & CO COM NON VTG 579780206 24,105 24,105 SH   DFND   270,714 350 1,860
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 340 340 SH   DFND   6,795 0 150
ENERGY TRANSFER COM UT LTD PTN 29273V100 1,138 1,138 SH   DFND   105,544 0 1,500
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 979 979 SH   DFND   12,091 0 0
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 1,527 1,527 SH   DFND   30,324 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 156,275 156,275 SH   DFND   2,020,427 2,162 64,971
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 382,548 382,548 SH   DFND   5,561,553 6,448 142,529
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,516 1,516 SH   DFND   20,679 0 0
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 147,758 147,758 SH   DFND   340,501 421 2,766
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 126,581 126,581 SH   DFND   459,437 449 11,149
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 225,734 225,734 SH   DFND   1,947,978 2,109 47,910
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE US AGGBD ET 464287226 17,879 17,879 SH   DFND   155,029 0 0
VANGUARD DIVIDEND DIV APP ETF 921908844 29,616 29,616 SH   DFND   136,004 0 55,328
JPM DIVERSIFIED RET INTL EQ DIV RTN INT EQ 46641Q209 430 430 SH   DFND   6,893 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 955 955 SH   DFND   2,948 0 5,950
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,764 1,764 SH   DFND   27,500 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF EMRG MARKETS ETF 19762B509 452 452 SH   DFND   16,025 0 0
ISHARES MSC EAFE ESG ESG AW MSCI EAFE 46435G516 358 358 SH   DFND   4,530 0 0
ISHARES ESG MSCI USA SMALL- CAP ESG AWARE MSCI 46435U663 912 912 SH   DFND   22,598 0 0
ISHARES MSCI EM ESG OP ESG AWR MSCI EM 46434G863 1,263 1,263 SH   DFND   27,965 0 0
VANGUARD ESG INTL STOCK ETF ESG INTL STK ETF 921910725 1,749 1,749 SH   DFND   27,262 0 0
VANGUARD ESG US STOCK ETF ESG US STK ETF 921910733 1,007 1,007 SH   DFND   12,586 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 439 439 SH   DFND   1,125 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 1,857 1,857 SH   DFND   36,550 0 0
FNF GROUP FNF GROUP COM 31620R303 391 391 SH   DFND   8,990 0 0
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 5,722 5,722 SH   DFND   111,068 0 0
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 7,126 7,126 SH   DFND   131,218 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 787 787 SH   DFND   11,704 0 0
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 59,145 59,145 SH   DFND   421,436 587 11,434
iSHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 277 277 SH   DFND   822 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,801 1,801 SH   DFND   10,875 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 377 377 SH   DFND   1,314 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 3,713 3,713 SH   DFND   35,438 0 0
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 442 442 SH   DFND   5,023 0 0
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 1,030 1,030 SH   DFND   7,025 0 640
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 84,638 84,638 SH   DFND   1,008,732 1,028 18,525
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 4,362 4,362 SH   DFND   10,938 0 0
ARK INNOVATION ETF INNOVATION ETF 00214Q104 308 308 SH   DFND   2,352 0 0
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 42,780 42,780 SH   DFND   694,923 768 11,179
WISDOMTREE DEFA FUND INTL EQUITY FD 97717W703 530 530 SH   DFND   9,720 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 327 327 SH   DFND   10,106 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 640 640 SH   DFND   5,534 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 212 212 SH   DFND   2,230 0 0
ISHARES SILVER TRUST ISHARES 46428Q109 218 218 SH   DFND   9,000 0 0
ISHARES TR JP MRGN EM HI BD 464286285 205 205 SH   DFND   4,488 0 0
VANGUARD LARGE - CAP ETF LARGE CAP ETF 922908637 299 299 SH   DFND   1,490 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 102,058 102,058 SH   DFND   929,500 657 12,812
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 580 580 SH   DFND   2,456 0 0
VANGUARD MID-CAP ETF MID CAP ETF 922908629 1,382 1,382 SH   DFND   5,823 0 0
ISHARES MORNINGSTAR MID-CAP ETF MRGSTR MD CP ETF 464288208 609 609 SH   DFND   9,085 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,467 1,467 SH   DFND   14,494 0 0
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 10,082 10,082 SH   DFND   174,213 125 970
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,158 1,158 SH   DFND   14,684 0 0
ISHARES MSCI EMERGING MARKETS INDEX FUND MSCI EMG MKT ETF 464287234 673 673 SH   DFND   12,201 0 0
ISHARES MSCI USA ESG SELECT MSCI USA ESG SLC 464288802 265 265 SH   DFND   2,775 0 0
ISHARES EDGE MSCI USA MOMENT MSCI USA MMENTM 46432F396 1,740 1,740 SH   DFND   10,033 0 0
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 614 614 SH   DFND   5,240 0 0
NUVEEN ESG EMERGING MARKETS NUVEEN ESG EMRGN 67092P888 798 798 SH   DFND   21,500 0 0
NUVEEN ESG MID-CAP GROWTH ETF NUVEEN ESG MIDCP 67092P409 370 370 SH   DFND   6,760 0 0
VANGUARD REIT ETF REIT ETF 922908553 3,567 3,567 SH   DFND   35,042 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 399 399 SH   DFND   1,649 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 13,558 13,558 SH   DFND   31,820 0 18,122
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 9,825 9,825 SH   DFND   34,031 0 27,912
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 2,417 2,417 SH   DFND   5,358 0 2,395
ISHARES TR RUS 2000 VAL ETF 464287630 964 964 SH   DFND   738 0 5,077
ISHARES RUSSELL MID CAP VALUE INDEX FUND RUS MDCP VAL ETF 464287473 712 712 SH   DFND   6,193 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 2,106 2,106 SH   DFND   18,607 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,186 1,186 SH   DFND   14,969 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 2,665 2,665 SH   DFND   11,337 0 280
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 358 358 SH   DFND   1,400 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 6,657 6,657 SH   DFND   15,527 0 1,390
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 2,966 2,966 SH   DFND   40,777 0 0
ISHARES TR S&P 500 VAL ETF 464287408 311 311 SH   DFND   2,108 0 0
SPDR S&P 600 SMALL CAP VALUE ETF S&P 600 SMCP VAL 78464A300 237 237 SH   DFND   2,769 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 1,070 1,070 SH   DFND   3,226 0 5,526
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 247 247 SH   DFND   3,052 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 256 256 SH   DFND   2,430 0 0
INVESCO S&P 500 EQUAL WEIGHT S&P500 EQL TEC 46137V282 319 319 SH   DFND   1,100 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 14,635 14,635 SH   DFND   95,122 0 1,970
CONSUMER DISCRETIONARY SELECT SBI CONS DISCR 81369Y407 247 247 SH   DFND   1,381 0 0
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 973 973 SH   DFND   15,388 0 0
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 3,042 3,042 SH   DFND   26,082 0 0
ISHARES S&P SHORT TERM NATIONAL AMT-FREE MUNICIPAL SHRT NAT MUN ETF 464288158 1,353 1,353 SH   DFND   12,547 0 0
EATON CORP, PLC SHS G29183103 12,590 12,590 SH   DFND   84,616 0 345
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 13,125 13,125 SH   DFND   190,102 0 1,138
MEDTRONIC PLC SHS G5960L103 116,286 116,286 SH   DFND   852,101 593 84,117
AON PLC SHS CL A G0403H108 661 661 SH   DFND   2,770 0 0
ACCENTURE LTD SHS CLASS A G1151C101 227,512 227,512 SH   DFND   649,536 427 121,814
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 2,287 2,287 SH   DFND   45,583 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 2,741 2,741 SH   DFND   12,024 0 145
SAP SE SPONSORED ADR SPON ADR 803054204 811 811 SH   DFND   5,745 0 30
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 396 396 SH   DFND   10,211 0 0
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 34,275 34,275 SH   DFND   177,131 282 1,390
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 15,264 15,264 SH   DFND   243,063 0 17,859
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,999 1,999 SH   DFND   46,500 0 2,976
ASTRA ZENECA PLC ADR SPONSORED ADR 046353108 239 239 SH   DFND   3,990 0 0
NOVARTIS AG - ADR SPONSORED ADR 66987V109 4,569 4,569 SH   DFND   50,080 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 5,480 5,480 SH   DFND   54,227 0 83,401
SONY CORP - SPONSORED ADR SPONSORED ADR 835699307 389 389 SH   DFND   4,000 0 0
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 18,564 18,564 SH   DFND   551,698 1,827 5,957
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 1,497 1,497 SH   DFND   7,931 0 2,205
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 35,594 35,594 SH   DFND   274,260 125 3,675
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 42,235 42,235 SH   DFND   189,549 0 0
SPDR TR UNIT SER 1 TR UNIT 78462F103 59,313 59,313 SH   DFND   98,087 0 40,475
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 2,627 2,627 SH   DFND   66,789 0 0
ISHARES DJ US TECHNOLOGY SECTOR INDEX FUND U.S. TECH ETF 464287721 1,102 1,102 SH   DFND   11,088 0 0
ISHARES ULTRA SHORT-TERM BOND ULTR SH TRM BD 46434V878 23,303 23,303 SH   DFND   427,734 0 33,525
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 10,902 10,902 SH   DFND   30,600 0 158
SCHWAB US DVD EQUITY ETF US DIVIDEND EQ 808524797 468 468 SH   DFND   6,191 0 0
ISHARES TR US HLTHCARE ETF 464287762 211 211 SH   DFND   772 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 392 392 SH   DFND   1,473 0 0
SCHWAB US LARGE-CAP VALUE ETF US LCAP VA ETF 808524409 856 856 SH   DFND   12,524 0 0
SCHWAB US MID CAP ETF US MID CAP ETF 808524508 595 595 SH   DFND   7,600 0 0
TIMOTHY PLAN US SMALL CAP CO US SM CP CORE 887432342 233 233 SH   DFND   7,000 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607 492 492 SH   DFND   4,720 0 0
ISHARES US TREASURY BOND ETF US TREAS BD ETF 46429B267 467 467 SH   DFND   17,552 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 1,852 1,852 SH   DFND   3,772 0 0
VANGUARD VALUE ETF VALUE ETF 922908744 1,356 1,356 SH   DFND   3,627 0 6,240
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 4,378 4,378 SH   DFND   66,664 0 0
DIMENSIONSAL U.S. CORE EQUITY 2 ETF US CORE EQUITY 2 25434V708 260 260 SH   DFND   9,708 0 0
ORGANON AND CO COMMON STOCK 68622V106 301 301 SH   DFND   9,240 0 717
JP MORGAN EQUITY PREMIUM INCOME ETF EQUITY PREMIUM 46641Q332 743 743 SH   DFND   0 0 12,265
ISHARES TR MSCI USA MIN VOL 46429B697 3,497 3,497 SH   DFND   711 0 46,794
ISHARES TR 0-5 YR TIPS ETF 46429B747 6,476 6,476 SH   DFND   60,913 0 0
GILEAD SCIENCES INC COM 375558103 10,814 10,814 SH   DFND   153,852 0 3,195
SALESFORCE.COM INC COM 79466L302 817 817 SH   DFND   869 0 2,475
SCHWAB FUNDAMENTAL EM L/C SCHWB FDT MEK LG 808524730 1,232 1,232 SH   DFND   0 0 38,200
SCHWAB FUNDAMENTAL INTL L/C SCHWB FDT INT LG 808524755 829 829 SH   DFND   0 0 24,910
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 415 415 SH   DFND   10,512 0 0
SPDR HEALTH CARE SEL SEC SBI HEALTHCARE 81369Y209 343 343 SH   DFND   1,516 0 1,205
STANLEY BLACK AND DECKER COM 854502101 161 161 SH   DFND   785 0 0
T ROWE PRICE GROUP INC COM 74144T108 397 397 SH   DFND   1,357 0 650
THE KRAFT HEINZ COMPANY COM 500754106 129 129 SH   DFND   3,152 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 768 768 SH   DFND   4,169 0 0
VALERO ENERGY CORP COM 91913Y100 240 240 SH   DFND   2,812 0 265
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405 244 244 SH   DFND   2,701 0 0
VANGUARD HEALTHCARE ETF HEALTH CAR ETF 92204A504 206 206 SH   DFND   835 0 0
VANGUARD MIDCAP VALUE ETF MCAP VL IDXVIP 922908512 205 205 SH   DFND   1,459 0 0
VANGUARD SHORT TERM BOND ETF SHORT TRM BOND 921937827 4,418 4,418 SH   DFND   53,774 0 0
VANGUARD TOTAL BOND MARKET TOTAL BND MRKT 921937835 5,049 5,049 SH   DFND   512 0 58,269
VIATRIS INC COM 92556V106 200 200 SH   DFND   12,686 0 1,294
WEC ENERGY GROUP INC COM 92939U106 148 148 SH   DFND   1,659 0 0
WEST PHARMACEUTICAL SERVICES COM 955306105 846 846 SH   DFND   2,357 0 0
WSFS FINANCIAL CORP COM 929328102 29 29 SH   DFND   628 0 0