Charter Trust 13F-HR Quarterly holdings report by institutional manager

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
Expires:	Oct 31, 2018
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
3M Co	COM	88579Y101	4,497,037	48,035	SH		DFND		47,655	0	380
ADVANCED MICRO DEV	COM	007903107	1,182,533	11,501	SH		DFND		11,501	0	0
ALBEMARLE CORP	COM	012653101	786,775	4,627	SH		DFND		4,625	0	2
ALPHABET INC	CAP STK CL A	02079K305	12,900,179	98,580	SH		DFND		97,206	0	1,374
ALTRIA GROUP INC	COM	02209S103	255,244	6,070	SH		DFND		6,070	0	0
AMER EXPRESS CO	COM	025816109	325,980	2,185	SH		DFND		1,885	0	300
AMETEK Inc	COM	031100100	1,221,975	8,270	SH		DFND		7,850	0	420
ANALOG DEVICES INC	COM	032654105	254,580	1,454	SH		DFND		1,109	0	345
APPLIED MATERIALS	COM	038222105	773,105	5,584	SH		DFND		4,384	0	1,200
ARISTA NETWORKS INC	COM	040413106	1,885,466	10,251	SH		DFND		10,251	0	0
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	2,690,176	4,570	SH		DFND		4,570	0	0
AT&T INC	COM	00206R102	1,224,325	81,513	SH		DFND		79,405	0	2,108
AUTOMATIC DATA PROCESSING	COM	053015103	12,654,748	52,601	SH		DFND		50,605	0	1,996
AUTOZONE INC	COM	053332102	2,047,232	806	SH		DFND		806	0	0
AbbVie Inc	COM	00287Y109	11,828,209	79,352	SH		DFND		75,952	0	3,400
Abbott Laboratories	COM	002824100	13,931,873	143,850	SH		DFND		140,113	0	3,737
Accenture PLC	SHS CLASS A	G1151C101	4,705,233	15,321	SH		DFND		15,077	0	244
Adobe Inc	COM	00724F101	4,510,575	8,846	SH		DFND		8,615	0	231
Aflac Inc	COM	001055102	269,239	3,508	SH		DFND		2,658	0	850
Air Products and Chemicals Inc	COM	009158106	6,925,446	24,437	SH		DFND		22,496	0	1,941
Akamai Technologies Inc	COM	00971T101	1,288,282	12,092	SH		DFND		12,078	0	14
Alphabet Inc	CAP STK CL C	02079K107	4,019,315	30,484	SH		DFND		29,084	0	1,400
Amazon.com Inc	COM	023135106	10,699,563	84,169	SH		DFND		83,441	0	728
American Tower Corp	COM	03027X100	3,591,424	21,839	SH		DFND		21,289	0	550
American Water Works Co Inc	COM	030420103	593,021	4,789	SH		DFND		4,689	0	100
Amgen Inc	COM	031162100	762,204	2,836	SH		DFND		2,636	0	200
Amphenol Corp	CL A	032095101	2,649,633	31,547	SH		DFND		31,223	0	324
Aon PLC	SHS CL A	G0403H108	1,137,688	3,509	SH		DFND		3,509	0	0
Apple Inc	COM	037833100	47,389,387	276,791	SH		DFND		265,424	0	11,367
AvalonBay Communities Inc	COM	053484101	888,239	5,172	SH		DFND		5,007	0	165
BAKER HUGHES INC	CL A	05722G100	5,969,080	169,000	SH		DFND		167,448	0	1,552
BALL CORP	COM	058498106	3,217,829	64,641	SH		DFND		64,441	0	200
BARRICK GOLD CORP	COM	067901108	7,062,614	485,403	SH		DFND		482,403	0	3,000
BECTON DICKINSON	COM	075887109	2,054,279	7,946	SH		DFND		7,946	0	0
BK OF AMERICA CORP	COM	060505104	3,073,515	112,254	SH		DFND		112,185	0	69
BLACKROCK FUNDS/CLOSED-END/USA	COM	09254F100	125,880	12,305	SH		DFND		0	0	12,305
BOEING CO	COM	097023105	234,041	1,221	SH		DFND		1,151	0	70
BP PLC	SPONSORED ADR	055622104	365,053	9,428	SH		DFND		8,986	0	442
BRISTOL-MYRS SQUIB	COM	110122108	2,078,703	35,815	SH		DFND		34,415	0	1,400
Bar Harbor Bankshares	COM	066849100	10,190,887	431,269	SH		DFND		12,800	0	418,469
Berkshire Hathaway Inc	CL B NEW	084670702	13,743,320	39,233	SH		DFND		38,466	0	767
BlackRock Fund Advisors	CORE S&P TTL STK	464287150	5,096,715	54,111	SH		DFND		54,111	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	1,761,250	25,555	SH		DFND		25,405	0	150
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	445,901	6,439	SH		DFND		6,439	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	21,606,177	86,650	SH		DFND		86,256	0	394
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	403,894	5,591	SH		DFND		5,591	0	0
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	211,246	2,093	SH		DFND		2,093	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	19,154,179	203,055	SH		DFND		200,980	0	2,075
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	19,315,801	397,036	SH		DFND		392,035	0	5,001
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	19,559,322	392,521	SH		DFND		389,781	0	2,740
BlackRock Fund Advisors	PFD AND INCM SEC	464288687	483,214	16,027	SH		DFND		14,527	0	1,500
BlackRock Funds/Closed-End/USA	COM	09253X102	138,294	13,625	SH		DFND		0	0	13,625
BlackRock Inc	COM	09247X101	645,844	999	SH		DFND		999	0	0
Blackstone Inc	COM	09260D107	367,490	3,430	SH		DFND		3,430	0	0
Booking Holdings Inc	COM	09857L108	2,494,916	809	SH		DFND		809	0	0
Booz Allen Hamilton Holding Co	CL A	099502106	8,775,036	80,306	SH		DFND		79,831	0	475
Broadcom Inc	COM	11135F101	492,534	593	SH		DFND		133	0	460
Brookfield Renewable Partners	CL A SUB VTG	11284V105	628,449	26,251	SH		DFND		24,751	0	1,500
Brown & Brown Inc	COM	115236101	11,406,618	163,325	SH		DFND		162,275	0	1,050
CARRIER GLOBAL CORP	COM	14448C104	515,788	9,344	SH		DFND		5,850	0	3,494
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	495,320	7,000	SH		DFND		7,000	0	0
CHUBB LIMITED COM	COM	H1467J104	4,504,390	21,637	SH		DFND		20,849	0	788
CINTAS CORP	COM	172908105	787,894	1,638	SH		DFND		1,638	0	0
CISCO SYSTEMS	COM	17275R102	4,843,937	90,103	SH		DFND		89,433	0	670
COLGATE-PALMOLIVE	COM	194162103	10,559,977	148,502	SH		DFND		148,502	0	0
CONOCOPHILLIPS	COM	20825C104	389,111	3,248	SH		DFND		2,758	0	490
CORNING INC	COM	219350105	1,756,504	57,647	SH		DFND		55,891	0	1,756
CSX CORP	COM	126408103	2,425,499	78,878	SH		DFND		66,878	0	12,000
CVS Health Corp	COM	126650100	506,474	7,254	SH		DFND		7,254	0	0
Caterpillar Inc	COM	149123101	14,022,645	51,365	SH		DFND		51,365	0	0
Chevron Corp	COM	166764100	17,785,363	105,476	SH		DFND		104,272	0	1,204
Church & Dwight Co Inc	COM	171340102	207,542	2,265	SH		DFND		2,265	0	0
Clorox Co/The	COM	189054109	300,783	2,295	SH		DFND		2,295	0	0
Coca-Cola Co/The	COM	191216100	3,533,513	63,121	SH		DFND		62,821	0	300
Comcast Corp	CL A	20030N101	3,559,039	80,267	SH		DFND		78,099	0	2,168
Consolidated Edison Inc	COM	209115104	279,169	3,264	SH		DFND		3,164	0	100
Costco Wholesale Corp	COM	22160K105	21,440,797	37,951	SH		DFND		37,773	0	178
DEERE & CO	COM	244199105	661,547	1,753	SH		DFND		1,703	0	50
DOMINION RES(VIR)	COM	25746U109	2,500,225	55,971	SH		DFND		54,927	0	1,044
DUKE ENERGY CORP	COM NEW	26441C204	237,420	2,690	SH		DFND		2,690	0	0
Danaher Corp	COM	235851102	7,321,183	29,509	SH		DFND		29,093	0	416
Dollar Tree Inc	COM	256746108	1,028,094	9,658	SH		DFND		9,647	0	11
Dover Corp	COM	260003108	558,459	4,003	SH		DFND		3,723	0	280
Dow Inc	COM	260557103	955,562	18,533	SH		DFND		18,085	0	448
Dreyfus Funds/Closed-end/USA	COM SHS	09662W109	202,368	20,400	SH		DFND		0	0	20,400
DuPont de Nemours Inc	COM	26614N102	967,656	12,973	SH		DFND		12,525	0	448
ECOLAB INC	COM	278865100	717,917	4,238	SH		DFND		4,238	0	0
EMERSON ELECTRIC	COM	291011104	6,335,668	65,607	SH		DFND		65,607	0	0
EQUINIX INC	COM	29444U700	1,188,161	1,636	SH		DFND		1,634	0	2
EQUITY COMMONWEALTH	6.5% CNV PFD D	294628201	5,321,503	212,775	SH		DFND		209,025	0	3,750
Eaton Corp PLC	SHS	G29183103	2,475,754	11,608	SH		DFND		11,598	0	10
Eaton Vance Management	SH BEN INT	27826U108	119,510	13,413	SH		DFND		0	0	13,413
Elevance Health Inc	COM	036752103	269,525	619	SH		DFND		619	0	0
Eli Lilly & Co	COM	532457108	42,734,063	79,560	SH		DFND		79,560	0	0
Essential Utilities Inc	COM	29670G102	208,280	6,067	SH		DFND		6,067	0	0
Eversource Energy	COM	30040W108	271,619	4,671	SH		DFND		4,671	0	0
Exxon Mobil Corp	COM	30231G102	20,589,551	175,111	SH		DFND		167,643	0	7,468
FEDEX CORP	COM	31428X106	3,876,310	14,632	SH		DFND		14,623	0	9
FMC Corp	COM NEW	302491303	290,114	4,332	SH		DFND		4,332	0	0
First Bancorp Inc/The	COM	31866P102	244,001	10,383	SH		DFND		10,383	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	1,602,478	23,552	SH		DFND		23,356	0	196
GENERAL MILLS INC	COM	370334104	1,315,634	20,560	SH		DFND		19,280	0	1,280
GSK PLC	SPONSORED ADR	37733W204	2,432,086	67,092	SH		DFND		67,092	0	0
General Electric Co	COM NEW	369604301	343,037	3,103	SH		DFND		2,515	0	588
Genuine Parts Co	COM	372460105	788,171	5,459	SH		DFND		5,459	0	0
Gilead Sciences Inc	COM	375558103	316,096	4,218	SH		DFND		3,718	0	500
Grupo Aeroportuario del Surest	SPON ADR SER B	40051E202	7,563,691	30,783	SH		DFND		30,783	0	0
Harbor ETF Trust	SCIENTIFIC HIGH	41151J109	209,392	4,876	SH		DFND		1,472	0	3,404
Hewlett Packard Enterprise Co	COM	42824C109	176,253	10,147	SH		DFND		10,147	0	0
Home Depot Inc/The	COM	437076102	7,883,656	26,091	SH		DFND		25,502	0	589
Honeywell International Inc	COM	438516106	1,051,910	5,694	SH		DFND		4,894	0	800
Huntington Ingalls Industries	COM	446413106	7,594,828	37,124	SH		DFND		37,124	0	0
ILLINOIS TOOL WKS	COM	452308109	1,159,841	5,036	SH		DFND		5,036	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	3,387,956	30,794	SH		DFND		30,267	0	527
INTL BUSINESS MCHN	COM	459200101	7,988,823	56,941	SH		DFND		56,921	0	20
ISHARES	MSCI STH AFR ETF	464286780	602,861	16,025	SH		DFND		16,025	0	0
ISHARES	SELECT DIVID ETF	464287168	795,137	7,387	SH		DFND		7,387	0	0
ISHARES	CHINA LG-CAP ETF	464287184	957,574	36,094	SH		DFND		36,094	0	0
ISHARES	CORE S&P500 ETF	464287200	41,119,641	95,754	SH		DFND		95,229	0	525
ISHARES	IBOXX INV CP ETF	464287242	6,411,651	62,847	SH		DFND		62,381	0	466
ISHARES	S&P 500 GRWT ETF	464287309	609,691	8,911	SH		DFND		8,911	0	0
ISHARES	ISHARES BIOTECH	464287556	1,767,947	14,457	SH		DFND		14,388	0	69
ISHARES	RUSSELL 2000 ETF	464287655	457,050	2,586	SH		DFND		2,586	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	1,196,336	31,524	SH		DFND		30,774	0	750
ISHARES TRUST	TIPS BD ETF	464287176	2,806,352	27,057	SH		DFND		26,822	0	235
ISHARES TRUST	1 3 YR TREAS BD	464287457	228,335	2,820	SH		DFND		2,820	0	0
ISHARES TRUST	GLOBAL 100 ETF	464287572	261,467	3,570	SH		DFND		3,570	0	0
ISHARES TRUST	GL CLEAN ENE ETF	464288224	164,621	11,260	SH		DFND		11,260	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	822,936	11,163	SH		DFND		11,163	0	0
Intel Corp	COM	458140100	2,968,106	83,491	SH		DFND		82,691	0	800
Invesco ETFs/USA	UNIT SER 1	46090E103	12,349,925	34,471	SH		DFND		34,471	0	0
JPMorgan Chase & Co	COM	46625H100	12,506,670	86,241	SH		DFND		85,526	0	715
Johnson & Johnson	COM	478160104	38,411,376	246,622	SH		DFND		239,914	0	6,708
KELLOGG CO	COM	487836108	1,162,766	19,539	SH		DFND		18,739	0	800
KIMBERLY-CLARK CP	COM	494368103	1,186,505	9,818	SH		DFND		9,818	0	0
KLA Corp	COM NEW	482480100	224,743	490	SH		DFND		490	0	0
KRAFT FOODS INC	CL A	609207105	356,647	5,139	SH		DFND		5,139	0	0
Kinder Morgan Inc	COM	49456B101	3,057,485	184,408	SH		DFND		183,707	0	701
L3Harris Technologies Inc	COM	502431109	3,323,602	19,088	SH		DFND		19,061	0	27
LEGG MASON PARTNERS FUND ADVISOR LLC	COM	95766M105	168,973	18,922	SH		DFND		0	0	18,922
LOWE'S COS INC	COM	548661107	2,185,645	10,516	SH		DFND		10,296	0	220
Lam Research Corp	COM	512807108	3,630,879	5,793	SH		DFND		5,788	0	5
Linde PLC	SHS	G54950103	1,497,592	4,022	SH		DFND		3,907	0	115
Lockheed Martin Corp	COM	539830109	988,865	2,418	SH		DFND		2,418	0	0
M&T Bank Corp	COM	55261F104	303,986	2,404	SH		DFND		2,345	0	59
MARSH & MCLENNAN	COM	571748102	870,432	4,574	SH		DFND		4,450	0	124
MASTERCARD INC	CL A	57636Q104	7,493,389	18,927	SH		DFND		18,831	0	96
MCDONALD'S CORP	COM	580135101	4,637,071	17,602	SH		DFND		15,952	0	1,650
MICROSOFT CORP	COM	594918104	27,064,511	85,715	SH		DFND		81,223	0	4,492
MOODYS CORP	COM	615369105	470,461	1,488	SH		DFND		1,488	0	0
Marathon Petroleum Corp	COM	56585A102	740,961	4,896	SH		DFND		4,896	0	0
Medtronic PLC	SHS	G5960L103	8,338,209	106,409	SH		DFND		106,284	0	125
Merck & Co Inc	COM	58933Y105	14,103,223	136,991	SH		DFND		134,786	0	2,205
NEXTERA ENERGY	COM	65339F101	6,317,483	110,272	SH		DFND		107,007	0	3,265
NIKE INC	CL B	654106103	4,600,278	48,110	SH		DFND		47,573	0	537
NVIDIA Corp	COM	67066G104	1,564,224	3,596	SH		DFND		3,596	0	0
Nelnet Inc	CL A	64031N108	9,382,173	105,040	SH		DFND		104,540	0	500
Neuberger Berman Funds/Closed-	COM	64124P101	182,956	19,865	SH		DFND		630	0	19,235
Noble Holding Corp PLC	ORD SHS A	G65431127	4,823,906	95,240	SH		DFND		95,240	0	0
Norfolk Southern Corp	COM	655844108	1,453,934	7,383	SH		DFND		7,183	0	200
Novartis AG	SPONSORED ADR	66987V109	326,665	3,207	SH		DFND		2,807	0	400
Novo Holdings A/S	ADR	670100205	26,851,126	295,262	SH		DFND		290,576	0	4,686
Nuveen Closed-End Funds/USA	COM	670657105	171,442	17,711	SH		DFND		3,014	0	14,697
Nuveen Closed-End Funds/USA	COM	67066V101	132,074	13,025	SH		DFND		2,550	0	10,475
Nuveen Closed-End Funds/USA	COM	670928100	6,613,980	800,724	SH		DFND		785,724	0	15,000
OGE Energy Corp	COM	670837103	456,754	13,704	SH		DFND		13,704	0	0
ON Semiconductor Corp	COM	682189105	2,891,675	31,110	SH		DFND		31,061	0	49
ORACLE CORP	COM	68389X105	572,816	5,408	SH		DFND		4,758	0	650
Otis Worldwide Corp	COM	68902V107	384,363	4,786	SH		DFND		3,040	0	1,746
PACCAR INC	COM	693718108	6,051,553	71,178	SH		DFND		70,481	0	697
PARKER-HANNIFIN	COM	701094104	7,949,324	20,408	SH		DFND		20,308	0	100
PEPSICO INC	COM	713448108	10,594,914	62,529	SH		DFND		58,356	0	4,173
PHILIP MORRIS INTL	COM	718172109	548,907	5,929	SH		DFND		5,929	0	0
PNC Financial Services Group I	COM	693475105	351,613	2,864	SH		DFND		2,864	0	0
Paychex Inc	COM	704326107	263,414	2,284	SH		DFND		2,284	0	0
Perrigo Co PLC	SHS	G97822103	6,605,919	206,758	SH		DFND		205,408	0	1,350
Pfizer Inc	COM	717081103	7,959,175	239,951	SH		DFND		230,456	0	9,495
Pfizer Inc	CL A	98978V103	254,707	1,464	SH		DFND		1,464	0	0
Phillips 66	COM	718546104	613,486	5,106	SH		DFND		4,881	0	225
Procter & Gamble Co/The	COM	742718109	12,870,249	88,237	SH		DFND		82,285	0	5,952
PureCycle Technologies Inc	COM	74623V103	72,930	13,000	SH		DFND		13,000	0	0
QUALCOMM Inc	COM	747525103	1,554,618	13,998	SH		DFND		12,963	0	1,035
ROCKWELL AUTOMATION	COM	773903109	1,451,076	5,076	SH		DFND		4,526	0	550
ROPER INDUSTRIES INC	COM	776696106	721,093	1,489	SH		DFND		1,340	0	149
RTX Corp	COM	75513E101	1,551,961	21,564	SH		DFND		17,612	0	3,952
S&P Global Inc	COM	78409V104	684,413	1,873	SH		DFND		1,873	0	0
SALESFORCE.COM INC	COM	79466L302	2,541,239	12,532	SH		DFND		12,527	0	5
SANDSTORM GOLD LTD	COM NEW	80013R206	5,485,132	1,177,067	SH		DFND		1,159,047	0	18,020
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	2,138,681	27,227	SH		DFND		27,197	0	30
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	19,913,632	154,681	SH		DFND		154,490	0	191
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	11,617,949	168,841	SH		DFND		168,724	0	117
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	21,127,337	131,242	SH		DFND		131,093	0	149
SELECT SECTOR SPDR	ENERGY	81369Y506	7,683,601	85,005	SH		DFND		84,945	0	60
SELECT SECTOR SPDR	FINANCIAL	81369Y605	14,060,332	423,887	SH		DFND		423,013	0	874
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	78,812,299	480,768	SH		DFND		480,270	0	498
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	2,106,571	35,747	SH		DFND		35,689	0	58
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	1,264,305	10,993	SH		DFND		10,639	0	354
SSgA Funds Management Inc	COMMUNICATION	81369Y852	4,661,896	71,098	SH		DFND		70,957	0	141
STARBUCKS CORP	COM	855244109	2,381,417	26,092	SH		DFND		26,073	0	19
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	363,207	15,248	SH		DFND		0	0	15,248
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	451,161	988	SH		DFND		988	0	0
Schlumberger NV	COM STK	806857108	553,617	9,496	SH		DFND		8,996	0	500
Southern Co/The	COM	842587107	430,518	6,652	SH		DFND		6,452	0	200
State Street ETF/USA	TR UNIT	78462F103	3,851,167	9,009	SH		DFND		9,009	0	0
State Street Global Advisors Inc	SBI INT-INDS	81369Y704	15,734,379	155,202	SH		DFND		155,123	0	79
State Street Global Advisors Inc	RL EST SEL SEC	81369Y860	2,259,931	66,332	SH		DFND		66,238	0	94
Synopsys Inc	COM	871607107	464,018	1,011	SH		DFND		969	0	42
Sysco Corp	COM	871829107	8,390,661	127,035	SH		DFND		125,675	0	1,360
TEXAS INSTRUMENTS	COM	882508104	1,339,659	8,425	SH		DFND		8,365	0	60
TJX Cos Inc/The	COM	872540109	8,425,025	94,791	SH		DFND		93,941	0	850
TRACTOR SUPPLY CO	COM	892356106	1,288,555	6,346	SH		DFND		6,311	0	35
TRAVELERS CO INC	COM	89417E109	272,074	1,666	SH		DFND		1,666	0	0
Target Corp	COM	87612E106	631,907	5,715	SH		DFND		5,653	0	62
Tesla Inc	COM	88160R101	227,950	911	SH		DFND		911	0	0
Texas Pacific Land Corp	COM	88262P102	13,873,644	7,608	SH		DFND		7,563	0	45
Thermo Fisher Scientific Inc	COM	883556102	4,766,603	9,417	SH		DFND		9,210	0	207
Timken Co/The	COM	887389104	2,638,585	35,904	SH		DFND		35,904	0	0
UTD PARCEL SERV	CL B	911312106	13,555,546	86,967	SH		DFND		86,617	0	350
Ulta Beauty Inc	COM	90384S303	996,628	2,495	SH		DFND		2,495	0	0
Unilever PLC	SPON ADR NEW	904767704	2,421,638	49,021	SH		DFND		48,981	0	40
Union Pacific Corp	COM	907818108	1,444,755	7,095	SH		DFND		6,550	0	545
UnitedHealth Group Inc	COM	91324P102	6,306,913	12,509	SH		DFND		12,397	0	112
VANGUARD	S&P 500 ETF SHS	922908363	585,123	1,490	SH		DFND		1,490	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	5,635,143	143,717	SH		DFND		140,587	0	3,130
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	5,235,249	69,664	SH		DFND		69,664	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	387,648	1,825	SH		DFND		1,825	0	0
VERIZON COMMUN	COM	92343V104	4,754,223	146,690	SH		DFND		142,785	0	3,905
VISA INC	COM CL A	92826C839	2,789,332	12,127	SH		DFND		12,087	0	40
Valero Energy Corp	COM	91913Y100	1,936,892	13,668	SH		DFND		13,668	0	0
Van Kampen Funds/Closed-end/US	COM	46132C107	162,913	19,795	SH		DFND		0	0	19,795
Van Kampen Funds/Closed-end/US	COM	46133G107	111,990	13,348	SH		DFND		0	0	13,348
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	16,318,009	373,239	SH		DFND		372,544	0	695
Vanguard ETF/USA	REAL ESTATE ETF	922908553	245,971	3,251	SH		DFND		3,251	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	2,681,714	12,878	SH		DFND		12,878	0	0
Vanguard ETF/USA	SMALL CP ETF	922908751	282,092	1,492	SH		DFND		1,492	0	0
WASTE MANAGEMENT	COM	94106L109	4,103,380	26,918	SH		DFND		26,905	0	13
WISDOMTREE ASSET MANAGEMENT INC	US LARGECAP FUND	97717W588	459,101	10,035	SH		DFND		10,035	0	0
WW Grainger Inc	COM	384802104	222,772	322	SH		DFND		322	0	0
Walgreens Boots Alliance Inc	COM	931427108	1,885,463	84,778	SH		DFND		84,778	0	0
Walmart Inc	COM	931142103	8,922,015	55,787	SH		DFND		55,678	0	109
Walt Disney Co/The	COM	254687106	3,347,122	41,297	SH		DFND		39,601	0	1,696
Western Asset Trust Closed End	COM	95766P108	205,305	19,405	SH		DFND		0	0	19,405
Western Asset Trust Closed End	COM	958435109	108,188	15,110	SH		DFND		0	0	15,110
Xcel Energy Inc	COM	98389B100	325,525	5,689	SH		DFND		5,689	0	0
YUM BRANDS INC	COM	988498101	645,940	5,170	SH		DFND		5,170	0	0
ZIMMER HLDGS INC	COM	98956P102	3,430,678	30,571	SH		DFND		30,555	0	16
iShares ETFs/USA	CORE US AGGBD ET	464287226	43,432,938	461,856	SH		DFND		458,264	0	3,592
iShares ETFs/USA	7-10 YR TRSY BD	464287440	204,154	2,229	SH		DFND		2,229	0	0