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 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 9,933 94,036 SH   DFND   94,036 0 0
ISHARES LONG TERM CORP BOND ETF 10+ YR CR BD ETF 464289511 271 3,910 SH   DFND   3,910 0 0
ISHARES SHORT-TERM CORPORATE BOND ETF 1-3 YR CR BD ETF 464288646 73,377 1,342,908 SH   DFND   1,321,703 1,773 19,432
ISHARES BARCLAYS 7-10 YEAR TREASURY BOND FUND 7-10 Y TR BD ETF 464287440 19,115 165,897 SH   DFND   162,938 513 2,446
GOLDMAN SACHS TREAS ACC ETF ACCES TREASURY 381430529 1,150 11,490 SH   DFND   10,716 0 774
GOLDMAN SACHS ACCESS INV GRADE CORP BOND ETF ACCESS INVT GR 381430479 3,285 60,424 SH   DFND   60,424 0 0
GOLDMAN SACHS ACTIVEBETA EMERGING MARKETS ACTIVEBETA EME 381430206 75,178 2,026,357 SH   DFND   1,989,537 1,305 35,515
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF ACTIVEBETA INT 381430107 3,058 89,502 SH   DFND   89,502 0 0
NOVO-NORDISK A/S SPONS ADR ADR 670100205 1,151 11,989 SH   DFND   11,989 0 0
ALPHABET INC - CL A CAP STK CL A 02079K305 7,550 2,824 SH   DFND   2,680 0 144
ALPHABET INC CL C CAP STK CL C 02079K107 10,189 3,823 SH   DFND   3,715 0 108
BERKSHIRE HATHAWAY INC DEL CL A 084670108 21,392 52 SH   DFND   52 0 0
CHARTER COMMUNICATION - CL A CL A 16119P108 221 304 SH   DFND   304 0 0
CACI INTERNATIONAL, INC CL A 127190304 283 1,080 SH   DFND   0 0 1,080
LITHIA MOTORS INC CL A CL A 536797103 476 1,500 SH   DFND   1,500 0 0
TWILIO INC - A CL A 90138F102 575 1,803 SH   DFND   1,803 0 0
CONSTELLATION BRANDS INC CL A 21036P108 530 2,517 SH   DFND   2,517 0 0
ESTEE LAUDER COS INC CL A CL A 518439104 846 2,821 SH   DFND   2,821 0 0
COGNIZANT TECH SOLUTIONS - A CL A 192446102 244 3,290 SH   DFND   2,500 160 630
MARRIOTT INTL INC NEW CL A CL A 571903202 689 4,653 SH   DFND   4,653 0 0
FACEBOOK INC CL A 30303M102 2,941 8,667 SH   DFND   8,452 0 215
ZOETIS INC. CL A 98978V103 2,008 10,345 SH   DFND   10,345 0 0
MONDELEZ INTERNATIONAL INC CL A CL A 609207105 900 15,462 SH   DFND   13,907 0 1,555
COMCAST CORP NEW COM CL A CL A 20030N101 190,846 3,412,238 SH   DFND   2,939,044 1,622 471,572
BROWN-FORMAN CORP CL B 115637209 331 4,945 SH   DFND   4,945 0 0
NIKE INC CL B CL B 654106103 6,413 44,156 SH   DFND   35,868 0 8,288
UNITED PARCEL SVC INC CL B CL B 911312106 66,311 364,148 SH   DFND   362,224 199 1,725
BERKSHIRE HATHAWAY INC DEL CL B CL B NEW 084670702 7,741 28,363 SH   DFND   23,653 0 4,710
MASTERCARD CLA 57636Q104 217,807 626,459 SH   DFND   536,516 380 89,563
BOOKING HOLDINGS INC. COM 09857L108 456 192 SH   DFND   192 0 0
REGENERON PHARMACEUTICALS COM 75886F107 206 340 SH   DFND   240 0 100
LAM RESEARCH CP COM 512807108 243 427 SH   DFND   427 0 0
TESLA MOTORS IN COM 88160R101 349 450 SH   DFND   450 0 0
CINTAS CORP COM 172908105 266 699 SH   DFND   544 0 155
AUTODESK INC COM 052769106 287 1,008 SH   DFND   430 0 578
WW GRAINGER INC COM 384802104 426 1,084 SH   DFND   1,084 0 0
HUBBELL INC COM 443510607 217 1,200 SH   DFND   1,200 0 0
TRANSDIGM GROUP, INC. COM 893641100 749 1,200 SH   DFND   1,200 0 0
MCKESSON HBOC INC. COM 58155Q103 268 1,345 SH   DFND   1,334 0 11
INTUIT INC COM 461202103 784 1,454 SH   DFND   1,454 0 0
CELANESE CORPORATION COM 150870103 223 1,480 SH   DFND   1,480 0 0
PARKER-HANNIFIN CORP COM 701094104 428 1,532 SH   DFND   411 0 1,121
NETFLIX INC COM 64110L106 970 1,590 SH   DFND   1,590 0 0
CARMAX COM 143130102 209 1,635 SH   DFND   1,635 0 0
DIGITAL REALTY TRUST COM 253868103 247 1,712 SH   DFND   1,712 0 0
ANALOG DEVICES COM 032654105 331 1,975 SH   DFND   1,975 0 0
FLEETCOR TECHNOLOGIES INC. COM 339041105 523 2,000 SH   DFND   2,000 0 0
T ROWE PRICE GROUP INC COM 74144T108 395 2,007 SH   DFND   1,357 0 650
YUM BRANDS INC COM COM 988498101 261 2,136 SH   DFND   2,025 0 111
DIAMONDBACK ENERGY INC COM 25278X109 204 2,155 SH   DFND   0 0 2,155
CUMMINS INC COM 231021106 514 2,288 SH   DFND   1,948 0 340
WEST PHARMACEUTICAL SERVICES COM 955306105 1,001 2,357 SH   DFND   2,357 0 0
ADOBE SYSTEMS COM 00724F101 1,454 2,525 SH   DFND   1,780 0 745
PROGRESSIVE CORP OHIO COM 743315103 231 2,558 SH   DFND   2,558 0 0
ALLSTATE CORP COM 020002101 361 2,834 SH   DFND   2,834 0 0
XYLEM INC COM 98419M100 361 2,920 SH   DFND   2,520 0 400
LINDE PLC COM G5494J103 863 2,941 SH   DFND   2,639 0 302
AMETEK INC COM 031100100 368 2,965 SH   DFND   2,965 0 0
DOVER CORP COM 260003108 467 3,000 SH   DFND   3,000 0 0
BLACK KNIGHT INC COM 09215C105 218 3,023 SH   DFND   3,023 0 0
VALERO ENERGY CORP COM 91913Y100 217 3,077 SH   DFND   2,812 0 265
AMAZON.COM INC COM 023135106 10,131 3,084 SH   DFND   2,335 0 749
FORTIVE CORP COM 34959J108 224 3,180 SH   DFND   2,550 0 630
INTERACTIVE BROKERS GROUP COM 45841N107 214 3,429 SH   DFND   3,429 0 0
AMERICAN WTR WK COM 030420103 580 3,432 SH   DFND   1,575 0 1,857
DEERE & CO. COM 244199105 1,169 3,489 SH   DFND   3,198 0 291
EOG RESOURCES INC COM 26875P101 288 3,589 SH   DFND   0 0 3,589
CIGNA CORP COM 125523100 736 3,675 SH   DFND   3,675 0 0
PUBLIC STORAGE COM 74460D109 1,099 3,700 SH   DFND   3,700 0 0
FEDEX CORP COM 31428X106 857 3,906 SH   DFND   3,333 0 573
VENTAS INC COM 92276F100 217 3,933 SH   DFND   3,933 0 0
SALESFORCE.COM INC COM 79466L302 1,068 3,938 SH   DFND   1,013 0 2,925
PRUDENTIAL FINL INC COM 744320102 420 3,991 SH   DFND   1,991 0 2,000
JACK HENRY & ASSOCIATES INC. COM 426281101 656 4,000 SH   DFND   3,700 300 0
CLOROX CO COM 189054109 676 4,081 SH   DFND   3,591 0 490
COPART, INC COM 217204106 575 4,147 SH   DFND   4,147 0 0
FISERV INC COM 337738108 452 4,164 SH   DFND   475 219 3,470
M & T BK CORP COM 55261F104 649 4,349 SH   DFND   4,349 0 0
WEC ENERGY GROUP INC COM 92939U106 385 4,366 SH   DFND   4,366 0 0
ANTHEM INC COM 036752103 1,630 4,371 SH   DFND   4,371 0 0
LILLY, ELI & COMPANY COM 532457108 1,015 4,391 SH   DFND   3,711 0 680
BANK NEW YORK MELLON CORP COM 064058100 228 4,398 SH   DFND   3,894 0 504
MICROCHIP TECHNOLOGY COM 595017104 340 4,426 SH   DFND   4,426 0 0
CANADIAN NATL RAILWAY CO COM 136375102 520 4,499 SH   DFND   4,499 0 0
INTERNATIONAL PAPER CO COM 460146103 257 4,600 SH   DFND   4,600 0 0
TRAVELERS COMPANIES INC COM 89417E109 729 4,797 SH   DFND   2,319 0 2,478
CARRIER GLOBAL CORP COM 14448C104 256 4,942 SH   DFND   4,942 0 0
ZIMMER HLDGS INC COM 98956P102 736 5,029 SH   DFND   4,585 0 444
NORTHROP GRUMMAN CORP COM 666807102 2,031 5,640 SH   DFND   5,385 0 255
THE HERSHEY COMPANY COM 427866108 1,011 5,972 SH   DFND   5,397 0 575
FRANKLIN RES INC COM 354613101 202 6,800 SH   DFND   6,800 0 0
EXELON CORP COM 30161N101 334 6,916 SH   DFND   6,916 0 0
BOEING CO COM 097023105 1,526 6,938 SH   DFND   5,880 0 1,058
SCHLUMBERGER COM 806857108 207 6,978 SH   DFND   6,820 0 158
MARATHON PETROLEUM CORP COM 56585A102 434 7,018 SH   DFND   4,998 0 2,020
CATERPILLAR INC COM 149123101 1,384 7,208 SH   DFND   6,793 0 415
HANOVER FOODS CORP - CL A COM 41078W100 455 7,333 SH   DFND   7,333 0 0
PAYCHEX INC COM 704326107 858 7,627 SH   DFND   4,317 0 3,310
SEI INVESTMENTS CO COM 784117103 467 7,870 SH   DFND   7,870 0 0
UGI CORP NEW COM 902681105 341 8,002 SH   DFND   8,002 0 0
NORTHERN TR CORP COM 665859104 912 8,460 SH   DFND   3,910 0 4,550
NUVEEN PREFERRED & INCOME COM 67075T105 212 8,500 SH   DFND   8,500 0 0
FIDELITY NATIONAL INFO SVCS COM 31620M106 1,042 8,560 SH   DFND   8,560 0 0
MASCO CORP COM 574599106 479 8,621 SH   DFND   8,621 0 0
FASTENAL COMPANY COM 311900104 463 8,969 SH   DFND   8,969 0 0
PPG INDS INC COM 693506107 1,331 9,307 SH   DFND   6,090 0 3,217
PUBLIC SVC ENTERPRISES COM 744573106 599 9,831 SH   DFND   9,831 0 0
KROGER CO COM 501044101 428 10,582 SH   DFND   10,582 0 0
WALGREENS BOOTS ALLIANCE, INC COM 931427108 511 10,860 SH   DFND   10,860 0 0
SOUTHERN CO COM 842587107 692 11,167 SH   DFND   11,167 0 0
CHUBB LTD COM H1467J104 1,991 11,474 SH   DFND   11,379 0 95
CONSOLIDATED EDISON INC COM 209115104 866 11,936 SH   DFND   11,936 0 0
PAYPAL HOLDINGS, INC. COM 70450Y103 3,335 12,818 SH   DFND   9,888 175 2,755
PHILLIPS 66 COM 718546104 921 13,157 SH   DFND   12,935 0 222
PNC FINANCIAL CORP COM 693475105 2,765 14,131 SH   DFND   13,531 0 600
NUVEEN PA INVT QUALITY MUN FD COM 670972108 218 14,765 SH   DFND   14,765 0 0
STRYKER CORP COM 863667101 3,970 15,052 SH   DFND   14,197 0 855
GENERAL MILLS INC COM 370334104 901 15,064 SH   DFND   13,156 0 1,908
DANAHER CORP COM 235851102 4,631 15,212 SH   DFND   15,212 0 0
SHERWIN WILLIAMS CO COM 824348106 4,390 15,693 SH   DFND   15,435 258 0
DOMINION ENERGY INC COM 25746U109 1,150 15,744 SH   DFND   15,744 0 0
CHURCH & DWIGHT CO COM 171340102 1,377 16,676 SH   DFND   16,676 0 0
INTL FLAVORS & FRAGRANCES COM 459506101 2,234 16,705 SH   DFND   16,705 0 0
NORFOLK SOUTHERN CORP COM 655844108 4,301 17,977 SH   DFND   17,532 0 445
INTERNATIONAL BUSINESS MACHINES COM 459200101 2,558 18,412 SH   DFND   18,173 0 239
CANADIAN PACIFIC RAILWAY LTD COM 13645T100 1,253 19,250 SH   DFND   19,250 0 0
PPL CORP COM COM 69351T106 542 19,458 SH   DFND   19,192 0 266
WALMART INC COM 931142103 2,728 19,575 SH   DFND   18,767 0 808
SYSCO CORP COM 871829107 1,602 20,402 SH   DFND   19,202 0 1,200
AMERICAN EXPRESS CO COM 025816109 3,675 21,937 SH   DFND   19,452 0 2,485
ILLINOIS TOOL WKS INC COM 452308109 4,937 23,893 SH   DFND   23,694 199 0
CONOCOPHILLIPS COM 20825C104 1,713 25,273 SH   DFND   23,504 0 1,769
WASTE MGMT INC DEL COM 94106L109 3,897 26,088 SH   DFND   26,088 0 0
NUVEEN MA QUALITY MUNI INC FD COM 67061E104 423 27,500 SH   DFND   27,500 0 0
AFLAC COM 001055102 1,498 28,737 SH   DFND   25,027 0 3,710
TARGET CORP COM 87612E106 6,778 29,627 SH   DFND   28,662 0 965
NESTLE S A SPON ADR REG COM 641069406 4,023 33,466 SH   DFND   28,379 0 5,087
ESSENTIAL UTILITIES INC COM 29670G102 2,056 44,616 SH   DFND   40,884 0 3,732
KIMBERLY CLARK CORP COM 494368103 6,130 46,288 SH   DFND   37,648 0 8,640
WELLS FARGO CO COM 949746101 2,204 47,484 SH   DFND   47,278 0 206
EMERSON ELECTRIC CO COM 291011104 4,546 48,261 SH   DFND   41,258 0 7,003
LOCKHEED MARTIN CORP COM 539830109 17,105 49,564 SH   DFND   48,643 0 921
AMGEN INC COM 031162100 10,566 49,688 SH   DFND   47,798 0 1,890
3M COMPANY COM 88579Y101 9,021 51,427 SH   DFND   40,320 0 11,107
COLGATE-PALMOLIVE CO COM 194162103 4,246 56,185 SH   DFND   44,385 0 11,800
CHEMOURS COMPANY COM 163851108 1,849 63,621 SH   DFND   63,621 0 0
UNION PACIFIC CORP COM 907818108 12,653 64,552 SH   DFND   61,947 0 2,605
ALTRIA GROUP INC COM COM 02209S103 3,302 72,545 SH   DFND   72,023 0 522
QUALCOMM INC COM 747525103 10,243 79,413 SH   DFND   79,213 0 200
BRISTOL MYERS SQUIBB CO COM 110122108 5,057 85,470 SH   DFND   77,068 0 8,402
ENTERPRISE PRODUCTS PARTNERS COM 293792107 1,907 88,109 SH   DFND   79,839 0 8,270
ABBOTT LABS COM 002824100 10,543 89,245 SH   DFND   82,270 0 6,975
ABBVIE INC. COM 00287Y109 10,682 99,029 SH   DFND   80,547 0 18,482
GLATFELTER CORP COM 377320106 1,497 106,145 SH   DFND   106,145 0 0
NEXTERA ENERGY INC COM 65339F101 8,494 108,182 SH   DFND   108,182 0 0
HOME DEPOT INC COM 437076102 39,059 118,989 SH   DFND   117,495 0 1,494
THERMO FISHER SCIENTIFIC INC COM 883556102 69,542 121,720 SH   DFND   114,534 125 7,061
CORTEVA INC COM 22052L104 5,424 128,908 SH   DFND   128,248 0 660
AMERICAN ELECTRIC POWER COM 025537101 11,362 139,957 SH   DFND   137,834 0 2,123
EXXON MOBIL CORP COM 30231G102 9,295 158,026 SH   DFND   150,966 0 7,060
GILEAD SCIENCES INC COM 375558103 11,833 169,399 SH   DFND   159,333 0 10,066
AMERICAN TOWER CORP COM 03027X100 56,153 211,571 SH   DFND   210,019 301 1,251
VERIZON COMMUNICATIONS COM 92343V104 11,462 212,223 SH   DFND   208,013 0 4,210
AT&T INC COM 00206R102 6,327 234,247 SH   DFND   216,380 0 17,867
SKYWORKS SOLUTIONS INC COM 83088M102 40,437 245,401 SH   DFND   243,911 285 1,205
COSTCO WHSL CORP NEW COM COM 22160K105 115,355 256,716 SH   DFND   227,095 228 29,393
PHILIP MORRIS INTL,INC COM 718172109 24,561 259,115 SH   DFND   257,912 0 1,203
PROCTER & GAMBLE COM 742718109 36,423 260,533 SH   DFND   207,981 0 52,552
MCDONALDS CORP COM 580135101 64,722 268,433 SH   DFND   248,356 311 19,766
TRUIST FINANCIAL CORP COM 89832Q109 16,428 280,103 SH   DFND   277,752 0 2,351
TEXAS INSTRUMENTS INC COM 882508104 55,723 289,905 SH   DFND   252,771 100 37,034
INTEL CORP COM 458140100 16,277 305,494 SH   DFND   304,084 0 1,410
AUTOMATIC DATA PROCESSING COM 053015103 61,608 308,166 SH   DFND   303,712 240 4,214
BLACKROCK INC COM 09247X101 262,967 313,556 SH   DFND   273,784 154 39,618
S&P GLOBAL INC COM 78409V104 133,934 315,221 SH   DFND   272,029 350 42,842
AIR PRODUCTS & CHEMICALS INC COM 009158106 102,002 398,274 SH   DFND   352,099 192 45,983
ECOLAB INC COM 278865100 91,849 440,268 SH   DFND   391,163 315 48,790
GENUINE PARTS CO COM 372460105 53,386 440,371 SH   DFND   437,529 476 2,366
V F CORPORATION COM 918204108 32,263 481,616 SH   DFND   476,539 710 4,367
UNITEDHEALTH GROUP INC COM 91324P102 198,653 508,403 SH   DFND   431,573 257 76,573
DOW INC COM 260557103 30,195 524,589 SH   DFND   523,092 0 1,497
BECTON DICKINSON COM 075887109 129,043 524,948 SH   DFND   451,037 383 73,528
PFIZER INC COM 717081103 23,428 544,710 SH   DFND   531,093 0 13,617
CHEVRON CORPORATION COM 166764100 57,016 562,007 SH   DFND   550,268 364 11,375
INTERCONTINENTAL EXCHANGE COM 45866F104 73,176 637,311 SH   DFND   587,941 575 48,795
DOLLAR GENERAL CORP COM 256677105 157,262 741,314 SH   DFND   653,023 452 87,839
HONEYWELL INTERNATIONAL, INC. COM 438516106 159,989 753,668 SH   DFND   668,799 485 84,384
MERCK & CO COM 58933Y105 65,749 875,363 SH   DFND   860,277 888 14,198
STARBUCKS CORP COM 855244109 112,683 1,021,512 SH   DFND   896,536 672 124,304
LOWES COS INC COM 548661107 239,298 1,179,620 SH   DFND   1,015,788 555 163,277
JOHNSON & JOHNSON COM 478160104 205,541 1,272,698 SH   DFND   1,122,168 826 149,704
CISCO SYS INC COM 17275R102 70,897 1,302,541 SH   DFND   1,293,790 944 7,807
PEPSICO INC COM 713448108 196,877 1,308,938 SH   DFND   1,152,419 477 156,042
MICROSOFT CORP COM 594918104 381,276 1,352,426 SH   DFND   1,221,152 800 130,474
COCA-COLA CO COM 191216100 75,099 1,431,269 SH   DFND   1,222,594 300 208,375
J.P. MORGAN CHASE & CO COM 46625H100 250,292 1,529,062 SH   DFND   1,350,472 896 177,694
ORACLE SYS CORP COM 68389X105 136,320 1,564,554 SH   DFND   1,357,077 736 206,741
BAXTER INTL INC COM 071813109 143,901 1,789,148 SH   DFND   1,582,623 938 205,587
RAYTHEON TECHNOLOGIES CORP COM 75513E101 166,701 1,939,290 SH   DFND   1,734,341 1,283 203,666
DUPONT DE NEMOURS INC COM 26614N102 144,033 2,118,450 SH   DFND   1,903,303 1,057 214,090
TJX COS INC NEW COM 872540109 158,466 2,401,723 SH   DFND   2,051,122 1,094 349,507
CVS HEALTH CORPORATION COM 126650100 208,968 2,462,505 SH   DFND   2,187,995 1,264 273,246
APPLE INC COM 037833100 387,368 2,737,582 SH   DFND   2,404,506 1,844 331,232
CME GROUP INC. COM CL A 12572Q105 202 1,044 SH   DFND   1,044 0 0
THE TRADE DESK INC COM CL A 88339J105 326 4,633 SH   DFND   4,633 0 0
THE BLACKSTONE GROUP INC COM CL A 09260D107 924 7,942 SH   DFND   7,942 0 0
VISA IN - CLASS A COM CL A 92826C839 3,367 15,114 SH   DFND   13,274 0 1,840
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 64,347 380,371 SH   DFND   302,835 179 77,357
TORONTO-DOMINION BANK COM NEW 891160509 251 3,793 SH   DFND   3,793 0 0
MORGAN STANLEY COM NEW 617446448 457 4,696 SH   DFND   4,696 0 0
DUKE ENERGY CORP COM NEW 26441C204 1,131 11,588 SH   DFND   11,388 0 200
U S BANCORP COM NEW 902973304 979 16,465 SH   DFND   7,229 0 9,236
MCCORMICK & CO COM NON VTG 579780206 23,738 292,959 SH   DFND   290,749 350 1,860
MAGELLAN MIDSTREAM PARTNERS COM UNIT RP LP 559080106 317 6,945 SH   DFND   6,795 0 150
ENERGY TRANSFER COM UT LTD PTN 29273V100 966 100,874 SH   DFND   98,544 0 2,330
COMM SERV SELECT SECTOR SPDR COMMUNICATION 81369Y852 940 11,738 SH   DFND   11,679 0 59
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 1,482 29,508 SH   DFND   28,508 0 1,000
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 157,998 2,127,924 SH   DFND   2,019,404 2,162 106,358
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 353,357 5,721,460 SH   DFND   5,563,606 6,448 151,406
ISHARES CORE MSCI ACMI CORE MSCI TOTAL 46432F834 1,488 20,954 SH   DFND   20,954 0 0
ISHARES CORE S&P 500 ETF CORE S&P ETF 464287200 116,063 269,400 SH   DFND   267,305 171 1,924
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 100,968 383,808 SH   DFND   375,551 449 7,808
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 219,159 2,007,130 SH   DFND   1,956,402 2,109 48,619
ISHARES CORE TOTAL U.S. BOND MARKET ETF CORE US AGGBD ET 464287226 17,764 154,697 SH   DFND   154,697 0 0
VANGUARD DIVIDEND DIV APP ETF 921908844 35,442 230,744 SH   DFND   138,039 0 92,705
JPM DIVERSIFIED RET INTL EQ DIV RTN INT EQ 46641Q209 418 6,931 SH   DFND   6,931 0 0
ISHARES MSCI EAFE GROWTH INDEX FUND EAFE GRWTH ETF 464288885 947 8,898 SH   DFND   2,948 0 5,950
ISHARES MSCI EMERGING MARKETS MINIMUM VOLATILITY I EM MK MINVOL ETF 464286533 1,723 27,500 SH   DFND   27,500 0 0
COLUMBIA EMERGING MARKETS CONSUMER ETF EMRG MARKETS ETF 19762B509 388 15,571 SH   DFND   15,571 0 0
JP MORGAN EQUITY PREMIUM INCOME ETF EQUITY PREMIUM 46641Q332 1,154 19,354 SH   DFND   364 0 18,990
ISHARES MSC EAFE ESG ESG AW MSCI EAFE 46435G516 437 5,575 SH   DFND   5,575 0 0
ISHARES ESG MSCI USA SMALL- CAP ESG AWARE MSCI 46435U663 882 22,598 SH   DFND   22,598 0 0
ISHARES MSCI EM ESG OP ESG AWR MSCI EM 46434G863 1,135 27,395 SH   DFND   27,395 0 0
VANGUARD ESG INTL STOCK ETF ESG INTL STK ETF 921910725 1,803 29,205 SH   DFND   29,205 0 0
VANGUARD ESG US STOCK ETF ESG US STK ETF 921910733 1,008 12,586 SH   DFND   12,586 0 0
ISHARES NORTH AMERICAN TECH-SOFTWARE ETF EXPANDED TECH 464287515 429 1,075 SH   DFND   1,075 0 0
VANGUARD FINANCIALS ETF FINANCIALS ETF 92204A405 250 2,701 SH   DFND   2,701 0 0
ISHARES FLOATING RATE BOND E FLTG RATE NT ETF 46429B655 1,854 36,475 SH   DFND   36,475 0 0
FNF GROUP FNF GROUP COM 31620R303 408 8,990 SH   DFND   8,990 0 0
VANGUARD FTSE EUROPE PACIFIC ETF FTSE DEV MKT ETF 921943858 5,615 111,211 SH   DFND   111,211 0 0
VANGUARD FTSE EMERGING MARKET ETF FTSE EMR MKT ETF 922042858 6,488 129,739 SH   DFND   129,739 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 61,914 943,661 SH   DFND   922,827 1,600 19,234
VANGUARD FTSE ALL WORLD SC ETF FTSE SMCAP ETF 922042718 57,825 432,532 SH   DFND   420,458 587 11,487
iSHARES GLOBAL TECH ETF GLOBAL TECH ETF 464287291 279 4,932 SH   DFND   4,932 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 1,642 10,000 SH   DFND   10,000 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736 360 1,239 SH   DFND   1,239 0 0
VANGUARD HEALTHCARE ETF HEALTH CAR ETF 92204A504 206 835 SH   DFND   835 0 0
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406 3,623 35,053 SH   DFND   34,653 0 400
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 439 5,023 SH   DFND   5,023 0 0
ISHARES IBOXX $ INVESTOP INVESTMENT GRADE BOND FUN IBOXX INV CP ETF 464287242 913 6,863 SH   DFND   6,863 0 0
VANGUARD INFO TECH ETF INF TECH ETF 92204A702 4,397 10,958 SH   DFND   10,938 0 20
VANGUARD FTSE PACIFIC ETF INF TECH ETF 922042866 82,753 1,021,138 SH   DFND   1,001,498 1,028 18,612
ARK INNOVATION ETF INNOVATION ETF 00214Q104 260 2,352 SH   DFND   2,352 0 0
ISHARES INTERMEDIATE TERM CORP BOND ETF INTERM CR BD ETF 464288638 43,036 716,550 SH   DFND   704,853 768 10,929
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 407 10,512 SH   DFND   10,512 0 0
ISHARES DOW JONES INTERNATIONAL SELECT DIVIDEND IN INTL SEL DIV ETF 464288448 299 9,828 SH   DFND   9,828 0 0
ISHARES BARCLAYS INTERMEDIATE GOVERNMENT/CREDIT BO INTRM GOV/CR ETF 464288612 562 4,881 SH   DFND   4,881 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF INT-TERM CORP 92206C870 211 2,230 SH   DFND   2,230 0 0
VANGUARD LARGE - CAP ETF LARGE CAP ETF 922908637 299 1,490 SH   DFND   1,490 0 0
ISHARES BARCLAYS MBS BOND FUND MBS ETF 464288588 101,690 940,353 SH   DFND   926,884 657 12,812
VANGUARD MID-CAP GROWTH ETF MCAP GR IDXVIP 922908538 453 1,917 SH   DFND   1,831 0 86
VANGUARD MID-CAP ETF MID CAP ETF 922908629 1,379 5,823 SH   DFND   5,823 0 0
ISHARES MORNINGSTAR MID-CAP ETF MRGSTR MD CP ETF 464288208 434 6,517 SH   DFND   6,517 0 0
ISHARES MSCI ACWI ETF MSCI ACWI ETF 464288257 1,448 14,494 SH   DFND   14,494 0 0
ISHARES TRUST ISHARES MSCI ACWI EX US INDEX FUND MSCI ACWI US ETF 464288240 9,687 174,817 SH   DFND   173,722 125 970
ISHARES MSCI EAFE INDEX FUND MSCI EAFE ETF 464287465 1,120 14,357 SH   DFND   14,184 0 173
ISHARES MSCI EMERGING MARKETS INDEX FUND MSCI EMG MKT ETF 464287234 665 13,201 SH   DFND   12,201 0 1,000
ISHARES MSCI USA MINIMUM VOL MSCI USA MIN VOL 46429B697 5,856 79,679 SH   DFND   711 0 78,968
ISHARES EDGE MSCI USA MOMENT MSCI USA MMENTM 46432F396 1,845 10,507 SH   DFND   10,507 0 0
ISHARES NATIONAL AMT-FREE MUNICIPAL BOND FUND NAT AMT FREE BD 464288414 609 5,240 SH   DFND   5,240 0 0
NUVEEN ESG EMERGING MARKETS NUVEEN ESG EMRGN 67092P888 728 21,500 SH   DFND   21,500 0 0
VANGUARD REIT ETF REIT ETF 922908553 3,487 34,265 SH   DFND   34,265 0 0
ISHARES RUSSELL 1000 INDEX FUND RUS 1000 ETF 464287622 399 1,649 SH   DFND   1,649 0 0
ISHARES RUSSELL 1000 GROWTH INDEX FUND RUS 1000 GRW ETF 464287614 15,775 57,565 SH   DFND   32,712 0 24,853
ISHARES RUSSELL 1000 VALUE INDEX FUND RUS 1000 VAL ETF 464287598 12,311 78,661 SH   DFND   33,956 0 44,705
ISHARES RUSSELL 2000 GROWTH INDEX FUND RUS 2000 GRW ETF 464287648 2,407 8,199 SH   DFND   5,764 0 2,435
ISHARES RUSSELL 2000 VALUE INDEX FUND RUS 2000 VAL ETF 464287630 1,212 7,562 SH   DFND   600 0 6,962
ISHARES RUSSELL MID CAP VALUE INDEX FUND RUS MDCP VAL ETF 464287473 684 6,040 SH   DFND   6,040 0 0
ISHARES RUSSELL MID CAP GROWTH INDEX FUND RUS MDCP VAL ETF 464287481 2,187 19,519 SH   DFND   19,519 0 0
ISHARES RUSSELL MID CAP INDEX FUND RUS MID-CAP ETF 464287499 1,253 16,019 SH   DFND   16,019 0 0
ISHARES RUSSELL 2000 INDEX FUND RUSSELL 2000 ETF 464287655 2,568 11,739 SH   DFND   11,459 0 280
ISHARES RUSSELL 3000 INDEX FUND RUSSELL 3000 ETF 464287689 357 1,400 SH   DFND   1,400 0 0
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363 6,636 16,825 SH   DFND   15,339 0 1,486
ISHARES S&P 500 GROWTH INDEX FUND S&P 500 GRWT ETF 464287309 3,014 40,777 SH   DFND   40,777 0 0
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408 307 2,108 SH   DFND   2,108 0 0
SPDR S&P 600 SMALL CAP VALUE ETF S&P 600 SMCP VAL 78464A300 227 2,769 SH   DFND   2,769 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 2,346 19,961 SH   DFND   2,999 0 16,962
ISHARES S&P MID CAP 400 GROWTH INDEX FUND S&P MC 400GR ETF 464287606 242 3,052 SH   DFND   3,052 0 0
ISHARES S&P MID CAP 400 VALUE INDEX FUND S&P MC 400VL ETF 464287705 250 2,430 SH   DFND   2,430 0 0
INVESCO S&P 500 EQUAL WEIGHT S&P500 EQL TEC 46137V282 317 1,100 SH   DFND   1,100 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 15,023 100,273 SH   DFND   98,303 0 1,970
CONSUMER DISCRETIONARY SELECT SBI CONS DISCR 81369Y407 260 1,449 SH   DFND   1,422 0 27
SPDR HEALTH CARE SEL SEC SBI HEALTHCARE 81369Y209 402 3,158 SH   DFND   1,426 0 1,732
UTILITIES SELECT SECTOR SPDR SBI INT-UTILS 81369Y886 1,274 19,938 SH   DFND   16,938 0 3,000
SCHWAB FUNDAMENTAL INTL L/C SCHWB FDT INT LG 808524755 4,347 132,410 SH   DFND   0 0 132,410
SCHWAB FUNDAMENTAL EM L/C SCHWB FDT MEK LG 808524730 1,280 39,700 SH   DFND   0 0 39,700
ISHARES DJ SELECT DIVIDEND INDEX FUND SELECT DIVID ETF 464287168 2,934 25,573 SH   DFND   25,573 0 0
VANGUARD SHORT TERM BOND ETF SHORT TRM BOND 921937827 4,389 53,558 SH   DFND   53,558 0 0
ISHARES S&P SHORT TERM NATIONAL AMT-FREE MUNICIPAL SHRT NAT MUN ETF 464288158 1,360 12,642 SH   DFND   12,642 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 713 4,128 SH   DFND   4,128 0 0
EATON CORP, PLC SHS G29183103 12,680 84,923 SH   DFND   84,578 0 345
JOHNSON CONTROLS INTERNATIONAL PLC SHS G51502105 13,157 193,251 SH   DFND   191,837 0 1,414
MEDTRONIC PLC SHS G5960L103 118,794 947,698 SH   DFND   866,054 638 81,006
AON PLC SHS CL A G0403H108 792 2,770 SH   DFND   2,770 0 0
ACCENTURE LTD SHS CLASS A G1151C101 244,878 765,434 SH   DFND   648,946 427 116,061
ISHARES SHORT MATURITY BOND SHT MAT BD ETF 46431W507 2,286 45,583 SH   DFND   45,583 0 0
VANGUARD SMALL-CAP ETF SMALL CAP ETF 922908751 2,663 12,179 SH   DFND   12,024 0 155
SAP SE SPONSORED ADR SPON ADR 803054204 758 5,614 SH   DFND   5,584 0 30
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 360 8,135 SH   DFND   8,135 0 0
DIAGEO PLC - SPONSORED ADR SPON ADR NEW 25243Q205 8,270 42,850 SH   DFND   42,850 0 0
UNILEVER PLC SPONSORED ADR SPON ADR NEW 904767704 14,000 258,216 SH   DFND   248,570 0 9,646
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,269 28,476 SH   DFND   25,500 0 2,976
SONY CORP - SPONSORED ADR SPONSORED ADR 835699307 442 4,000 SH   DFND   4,000 0 0
ASTRA ZENECA PLC ADR SPONSORED ADR 046353108 265 4,414 SH   DFND   4,414 0 0
NOVARTIS AG - ADR SPONSORED ADR 66987V109 3,485 42,610 SH   DFND   42,610 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 5,045 132,042 SH   DFND   49,675 0 82,367
INVESCO TAXABLE MUNICIPAL BOND PORTFOLIO TAXABLE MUN BD 46138G805 18,334 557,109 SH   DFND   549,401 1,827 5,881
TECHNOLOGY SELECT SECT SPDR TECHNOLOGY 81369Y803 1,526 10,219 SH   DFND   8,014 0 2,205
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 44,669 349,827 SH   DFND   344,903 125 4,799
VANGUARD TOTAL BOND MARKET TOTAL BND MRKT 921937835 12,269 143,578 SH   DFND   512 0 143,066
VANGUARD TOTAL STOCK MARKET TOTAL STK MKT 922908769 50,600 227,865 SH   DFND   200,226 0 27,639
SPDR TR UNIT SER 1 TR UNIT 78462F103 58,570 136,482 SH   DFND   96,080 0 40,402
ISHARES S&P US PREFERRED STOCK INDEX FUND U.S. PFD STK ETF 464288687 2,659 68,504 SH   DFND   68,504 0 0
ISHARES DJ US TECHNOLOGY SECTOR INDEX FUND U.S. TECH ETF 464287721 1,136 11,217 SH   DFND   11,217 0 0
ISHARES ULTRA SHORT-TERM BOND ULTR SH TRM BD 46434V878 25,563 506,150 SH   DFND   422,885 0 83,265
INVESCO QQQ TRUST SERIES 1 UNIT SER 1 46090E103 11,686 32,645 SH   DFND   32,381 0 264
DIMENSIONSAL U.S. CORE EQUITY 2 ETF US CORE EQUITY 2 25434V708 258 9,708 SH   DFND   9,708 0 0
SCHWAB US DVD EQUITY ETF US DIVIDEND EQ 808524797 443 5,961 SH   DFND   5,961 0 0
ISHARES DJ US HEALTH CARE SECTOR INDEX FUND US HLTHCARE ETF 464287762 211 763 SH   DFND   763 0 0
ISHARES US HEALTH CARE PROVIDERS ETF US HLTHCR PR ETF 464288828 377 1,473 SH   DFND   1,473 0 0
SCHWAB US LARGE-CAP VALUE ETF US LCAP VA ETF 808524409 847 12,551 SH   DFND   12,551 0 0
SCHWAB US MID CAP ETF US MID CAP ETF 808524508 550 7,177 SH   DFND   7,177 0 0
TIMOTHY PLAN US SMALL CAP CO US SM CP CORE 887432342 231 7,000 SH   DFND   7,000 0 0
SCHWAB US SMALL-CAP ETF US SML CAP ETF 808524607 474 4,731 SH   DFND   4,731 0 0
ISHARES US TREASURY BOND ETF US TREAS BD ETF 46429B267 466 17,552 SH   DFND   17,552 0 0
MIDCAP SPDR TRUST SERIES 1 UTSER1 S&PDCRP 78467Y107 1,838 3,822 SH   DFND   3,472 0 350
VANGUARD VALUE ETF VALUE ETF 922908744 1,307 9,654 SH   DFND   3,414 0 6,240
VANGUARD TOTAL INTL STOCK INDEX FUND ETF VG TL INTL STK F 921909768 4,219 66,687 SH   DFND   66,687 0 0
GOLDMAN SACHS GROUP INC COM COM 38141G104 201 533 SH   DFND   173 0 360
FACTSET RESEARCH COM 303075105 302 766 SH   DFND   766 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 226 1,027 SH   DFND   1,027 0 0
CAPITAL ONE FINL CORP COM 14040H105 200 1,235 SH   DFND   1,235 0 0
AGILENT TECHNOLOGIES INC COM COM 00846U101 204 1,295 SH   DFND   0 0 1,295
NVIDIA CORP COM 67066G104 334 1,613 SH   DFND   1,613 0 0
MAXIMUS INC COM 577933104 267 3,215 SH   DFND   3,215 0 0
ACTIVISION, INC COM 00507V109 253 3,265 SH   DFND   3,265 0 0
ISHARES TR EAFE VALUE ETF 464288877 260 5,110 SH   DFND   0 0 5,110
CORNING INC COM 219350105 189 5,177 SH   DFND   1,677 0 3,500
GENERAL ELECTRIC COM NEW 369604301 572 5,554 SH   DFND   5,554 0 0
BANK OF AMERICA COM 060505104 293 6,906 SH   DFND   3,806 0 3,100
CINCINNATI FINANCIAL CORP COM 172062101 801 7,017 SH   DFND   7,017 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 1,159 7,320 SH   DFND   0 0 7,320
GENTEX CORP COM 371901109 277 8,401 SH   DFND   8,401 0 0
TELEFLEX INC COM 879369106 3,878 10,300 SH   DFND   300 0 10,000
SPDR S&P GL NAT RESOURCES GLB NAT RESRCE 78463X541 778 15,149 SH   DFND   0 0 15,149
TE CONNECTIVITY LTD REG SHS H84989104 11,856 86,405 SH   DFND   85,825 0 580