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
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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
22nd Century Group Inc	COM	90137F103	166	180,000	SH		DFND		180,000	0	0
3M Co	COM	88579Y101	6,150	51,279	SH		DFND		50,899	0	380
ADVANCED MICRO DEV	COM	007903107	395	6,091	SH		DFND		6,091	0	0
ALPHABET INC	CAP STK CL A	02079K305	8,941	101,346	SH		DFND		99,872	0	1,474
AMER EXPRESS CO	COM	025816109	345	2,335	SH		DFND		2,035	0	300
AMETEK Inc	COM	031100100	1,314	9,406	SH		DFND		8,986	0	420
ANALOG DEVICES INC	COM	032654105	270	1,648	SH		DFND		1,303	0	345
APPLIED MATERIALS	COM	038222105	880	9,036	SH		DFND		7,776	0	1,260
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	2,471	4,522	SH		DFND		4,522	0	0
AT&T INC	COM	00206R102	1,598	86,829	SH		DFND		84,375	0	2,454
AUTOMATIC DATA PROCESSING	COM	053015103	13,969	58,481	SH		DFND		55,981	0	2,500
AVERY DENNISON CORP	COM	053611109	289	1,596	SH		DFND		1,596	0	0
AbbVie Inc	COM	00287Y109	13,299	82,288	SH		DFND		78,888	0	3,400
Abbott Laboratories	COM	002824100	17,257	157,183	SH		DFND		153,396	0	3,787
Accenture PLC	SHS CLASS A	G1151C101	4,144	15,531	SH		DFND		15,324	0	207
Adobe Inc	COM	00724F101	3,383	10,054	SH		DFND		9,798	0	256
Aflac Inc	COM	001055102	284	3,950	SH		DFND		3,100	0	850
Air Products and Chemicals Inc	COM	009158106	8,846	28,696	SH		DFND		26,847	0	1,849
Akamai Technologies Inc	COM	00971T101	971	11,516	SH		DFND		11,480	0	36
Allstate Corp/The	COM	020002101	245	1,809	SH		DFND		1,184	0	625
Alphabet Inc	CAP STK CL C	02079K107	2,678	30,172	SH		DFND		28,772	0	1,400
Altria Group Inc	COM	02209S103	337	7,370	SH		DFND		7,370	0	0
Amazon.com Inc	COM	023135106	7,192	85,627	SH		DFND		84,779	0	848
American Tower Corp	COM	03027X100	3,008	14,195	SH		DFND		13,825	0	370
American Water Works Co Inc	COM	030420103	933	6,118	SH		DFND		6,018	0	100
Amgen Inc	COM	031162100	848	3,231	SH		DFND		3,031	0	200
Amphenol Corp	CL A	032095101	2,400	31,521	SH		DFND		31,465	0	56
Aon PLC	SHS CL A	G0403H108	1,102	3,672	SH		DFND		3,672	0	0
Apple Inc	COM	037833100	38,470	296,085	SH		DFND		281,276	0	14,809
AutoZone Inc	COM	053332102	2,059	835	SH		DFND		835	0	0
AvalonBay Communities Inc	COM	053484101	1,963	12,154	SH		DFND		12,128	0	26
BAKER HUGHES INC	CL A	05722G100	5,017	169,877	SH		DFND		168,264	0	1,613
BALL CORP	COM	058498106	3,499	68,428	SH		DFND		68,228	0	200
BARRICK GOLD CORP	COM	067901108	7,940	462,218	SH		DFND		459,718	0	2,500
BECTON DICKINSON	COM	075887109	2,202	8,660	SH		DFND		8,660	0	0
BERKSHIRE HATHAWAY	CL A	084670108	469	1	SH		DFND		1	0	0
BK OF AMERICA CORP	COM	060505104	3,867	116,747	SH		DFND		116,556	0	191
BOEING CO	COM	097023105	301	1,579	SH		DFND		1,343	0	236
BP PLC	SPONSORED ADR	055622104	330	9,428	SH		DFND		8,986	0	442
BRISTOL-MYRS SQUIB	COM	110122108	2,795	38,838	SH		DFND		36,938	0	1,900
Bar Harbor Bankshares	COM	066849100	14,965	467,069	SH		DFND		14,500	0	452,569
Berkshire Hathaway Inc	CL B NEW	084670702	13,223	42,807	SH		DFND		42,023	0	784
BlackRock Advisors LLC	RUS MID CAP ETF	464287499	434	6,439	SH		DFND		6,439	0	0
BlackRock Advisors LLC	S&P MC 400GR ETF	464287606	407	5,964	SH		DFND		5,784	0	180
BlackRock Advisors LLC	S&P MC 400VL ETF	464287705	247	2,449	SH		DFND		2,339	0	110
BlackRock Advisors LLC	CORE S&P SCP ETF	464287804	20,204	213,485	SH		DFND		211,213	0	2,272
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	1,684	25,654	SH		DFND		25,504	0	150
BlackRock Fund Advisors	MBS ETF	464288588	218	2,344	SH		DFND		2,344	0	0
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	29,895	603,831	SH		DFND		597,572	0	6,259
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	26,046	522,800	SH		DFND		519,894	0	2,906
BlackRock Fund Advisors	PFD AND INCM SEC	464288687	477	15,646	SH		DFND		14,146	0	1,500
BlackRock Funds/Closed-End/USA	COM	09253X102	154	13,625	SH		DFND		0	0	13,625
BlackRock Funds/Closed-end/USA	COM	09254F100	143	12,305	SH		DFND		0	0	12,305
BlackRock Inc	COM	09247X101	936	1,321	SH		DFND		1,321	0	0
Blackstone Inc	COM	09260D107	403	5,443	SH		DFND		5,383	0	60
Booking Holdings Inc	COM	09857L108	2,003	994	SH		DFND		993	0	1
Booz Allen Hamilton Holding Co	CL A	099502106	7,585	72,576	SH		DFND		72,176	0	400
Broadcom Inc	COM	11135F101	395	705	SH		DFND		155	0	550
Brookfield Renewable Partners	CL A SUB VTG	11284V105	1,107	40,197	SH		DFND		37,547	0	2,650
Brookline Bancorp Inc	COM	11373M107	530	37,430	SH		DFND		37,430	0	0
Brown & Brown Inc	COM	115236101	9,065	159,116	SH		DFND		158,216	0	900
CARRIER GLOBAL CORP	COM	14448C104	458	11,114	SH		DFND		7,620	0	3,494
CDW Corp/DE	COM	12514G108	945	5,292	SH		DFND		5,292	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	604	8,000	SH		DFND		8,000	0	0
CHUBB LIMITED COM	COM	H1467J104	4,764	21,594	SH		DFND		20,076	0	1,518
CINTAS CORP	COM	172908105	1,087	2,407	SH		DFND		2,407	0	0
CISCO SYSTEMS	COM	17275R102	5,091	106,862	SH		DFND		106,596	0	266
COGNIZANT TECHNOLO	CL A	192446102	809	14,139	SH		DFND		14,090	0	49
COLGATE-PALMOLIVE	COM	194162103	12,074	153,252	SH		DFND		153,252	0	0
CONOCOPHILLIPS	COM	20825C104	542	4,588	SH		DFND		3,444	0	1,144
CORNING INC	COM	219350105	1,940	60,750	SH		DFND		59,599	0	1,151
CSX CORP	COM	126408103	2,574	83,083	SH		DFND		71,083	0	12,000
CVS Health Corp	COM	126650100	8,317	89,244	SH		DFND		88,744	0	500
Capri Holdings Ltd	SHS	G1890L107	1,171	20,430	SH		DFND		20,430	0	0
Caterpillar Inc	COM	149123101	13,222	55,194	SH		DFND		55,144	0	50
Chevron Corp	COM	166764100	20,167	112,359	SH		DFND		111,080	0	1,279
Church & Dwight Co Inc	COM	171340102	234	2,900	SH		DFND		2,900	0	0
Clorox Co/The	COM	189054109	374	2,669	SH		DFND		2,669	0	0
Coca-Cola Co/The	COM	191216100	4,253	66,854	SH		DFND		65,894	0	960
Comcast Corp	CL A	20030N101	2,949	84,318	SH		DFND		82,048	0	2,270
Consolidated Edison Inc	COM	209115104	401	4,214	SH		DFND		4,114	0	100
Constellation Brands Inc	CL A	21036P108	356	1,536	SH		DFND		1,536	0	0
Costco Wholesale Corp	COM	22160K105	17,694	38,760	SH		DFND		38,570	0	190
DEERE & CO	COM	244199105	868	2,024	SH		DFND		1,974	0	50
DIAGEO	SPON ADR NEW	25243Q205	224	1,255	SH		DFND		700	0	555
DOMINION RES(VIR)	COM	25746U109	2,646	43,144	SH		DFND		42,935	0	209
DTE Energy Co	COM	233331107	234	1,989	SH		DFND		1,849	0	140
DUKE ENERGY CORP	COM NEW	26441C204	336	3,267	SH		DFND		3,267	0	0
Danaher Corp	COM	235851102	8,924	33,625	SH		DFND		33,192	0	433
Dollar Tree Inc	COM	256746108	1,244	8,792	SH		DFND		8,781	0	11
Dover Corp	COM	260003108	821	6,060	SH		DFND		5,780	0	280
Dow Inc	COM	260557103	970	19,253	SH		DFND		18,267	0	986
Dreyfus Funds/Closed-end/USA	COM SHS	09662W109	214	20,400	SH		DFND		0	0	20,400
DuPont de Nemours Inc	COM	26614N102	1,351	19,684	SH		DFND		18,698	0	986
ECOLAB INC	COM	278865100	556	3,816	SH		DFND		3,816	0	0
EMERSON ELECTRIC	COM	291011104	6,716	69,912	SH		DFND		69,912	0	0
EQUITY COMMONWEALTH	6.5% CNV PFD D	294628201	2,138	85,314	SH		DFND		83,564	0	1,750
Eaton Vance Management	SH BEN INT	27826U108	132	13,413	SH		DFND		0	0	13,413
Eaton Vance Management	COM	27828N102	151	13,900	SH		DFND		13,900	0	0
Eaton Vance Management	COM	27829F108	163	21,520	SH		DFND		21,520	0	0
Elevance Health Inc	COM	036752103	500	975	SH		DFND		975	0	0
Eli Lilly & Co	COM	532457108	29,670	81,101	SH		DFND		80,706	0	395
Essential Utilities Inc	COM	29670G102	306	6,414	SH		DFND		6,414	0	0
Eversource Energy	COM	30040W108	397	4,731	SH		DFND		4,731	0	0
Exxon Mobil Corp	COM	30231G102	20,529	186,122	SH		DFND		176,391	0	9,731
FEDEX CORP	COM	31428X106	2,200	12,700	SH		DFND		12,675	0	25
FMC Corp	COM NEW	302491303	541	4,332	SH		DFND		4,332	0	0
FNB Corp/PA	COM	302520101	339	25,982	SH		DFND		25,982	0	0
First Bancorp Inc/The	COM	31866P102	480	16,023	SH		DFND		16,023	0	0
GEN DYNAMICS CORP	COM	369550108	209	842	SH		DFND		842	0	0
GSK PLC	None	37733W204	2,358	67,092	SH		DFND		67,092	0	0
General Electric Co	COM NEW	369604301	336	4,012	SH		DFND		3,424	0	588
General Mills Inc	COM	370334104	2,003	23,896	SH		DFND		22,616	0	1,280
Genuine Parts Co	COM	372460105	962	5,545	SH		DFND		5,545	0	0
Gilead Sciences Inc	COM	375558103	367	4,273	SH		DFND		3,773	0	500
Grupo Aeroportuario del Surest	SPON ADR SER B	40051E202	7,042	30,228	SH		DFND		30,228	0	0
HORIZON THERAPEUTICS PLC	SHS	G46188101	3,384	29,735	SH		DFND		29,141	0	594
Hewlett Packard Enterprise Co	COM	42824C109	162	10,147	SH		DFND		10,147	0	0
Home Depot Inc/The	COM	437076102	9,016	28,543	SH		DFND		27,934	0	609
Honeywell International Inc	COM	438516106	1,662	7,758	SH		DFND		6,713	0	1,045
IBM	COM	459200101	8,321	59,066	SH		DFND		57,206	0	1,860
ILLINOIS TOOL WKS	COM	452308109	1,172	5,324	SH		DFND		5,324	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	4,001	38,999	SH		DFND		38,373	0	626
ISHARES	MSCI STH AFR ETF	464286780	682	16,065	SH		DFND		16,065	0	0
ISHARES	SELECT DIVID ETF	464287168	891	7,387	SH		DFND		7,387	0	0
ISHARES	CHINA LG-CAP ETF	464287184	1,021	36,094	SH		DFND		36,094	0	0
ISHARES	CORE S&P500 ETF	464287200	39,627	103,139	SH		DFND		102,552	0	587
ISHARES	IBOXX INV CP ETF	464287242	9,583	90,896	SH		DFND		90,330	0	566
ISHARES	S&P 500 GRWT ETF	464287309	658	11,243	SH		DFND		10,667	0	576
ISHARES	RUSSELL 2000 ETF	464287655	577	3,307	SH		DFND		3,307	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	1,225	32,336	SH		DFND		31,586	0	750
ISHARES TRUST	TIPS BD ETF	464287176	9,067	85,187	SH		DFND		84,202	0	985
ISHARES TRUST	1 3 YR TREAS BD	464287457	619	7,627	SH		DFND		7,627	0	0
ISHARES TRUST	GLOBAL 100 ETF	464287572	229	3,570	SH		DFND		3,570	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	1,545	20,992	SH		DFND		20,992	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	223	2,061	SH		DFND		2,061	0	0
Intel Corp	COM	458140100	2,597	98,255	SH		DFND		96,655	0	1,600
Invesco Capital Management LLC	UNIT SER 1	46090E103	9,214	34,603	SH		DFND		34,603	0	0
JPMorgan Chase & Co	COM	46625H100	12,711	94,781	SH		DFND		94,015	0	766
Johnson & Johnson	COM	478160104	44,545	252,168	SH		DFND		244,762	0	7,406
KIMBERLY-CLARK CP	COM	494368103	1,499	11,038	SH		DFND		11,038	0	0
Kellogg Co	COM	487836108	1,436	20,152	SH		DFND		19,352	0	800
Kinder Morgan Inc	COM	49456B101	2,608	144,257	SH		DFND		143,556	0	701
Kraft Foods Inc	CL A	609207105	437	6,559	SH		DFND		6,559	0	0
KraneShares ETFs/USA	QUADRTC INT RT	500767736	2,361	104,433	SH		DFND		99,433	0	5,000
L3Harris Technologies Inc	COM	502431109	3,913	18,793	SH		DFND		18,736	0	57
LEGG MASON PARTNERS FUND ADVISOR LLC	COM	95766M105	191	18,922	SH		DFND		0	0	18,922
LOWE'S COS INC	COM	548661107	2,340	11,743	SH		DFND		11,523	0	220
Lam Research Corp	COM	512807108	2,792	6,643	SH		DFND		6,624	0	19
Linde PLC	SHS	G5494J103	1,375	4,215	SH		DFND		4,100	0	115
Lockheed Martin Corp	COM	539830109	1,037	2,132	SH		DFND		2,132	0	0
M&T Bank Corp	COM	55261F104	453	3,118	SH		DFND		3,059	0	59
MARSH & MCLENNAN	COM	571748102	955	5,771	SH		DFND		5,647	0	124
MASTERCARD INC	CL A	57636Q104	7,023	20,196	SH		DFND		20,144	0	52
MCDONALD'S CORP	COM	580135101	5,032	19,096	SH		DFND		17,006	0	2,090
MICROSOFT CORP	COM	594918104	23,879	99,571	SH		DFND		95,091	0	4,480
MOODYS CORP	COM	615369105	415	1,488	SH		DFND		1,488	0	0
Marathon Petroleum Corp	COM	56585A102	644	5,529	SH		DFND		5,529	0	0
Merck & Co Inc	COM	58933Y105	15,524	139,917	SH		DFND		137,712	0	2,205
NEXTERA ENERGY	COM	65339F101	10,185	121,834	SH		DFND		118,161	0	3,673
NIKE INC	CL B	654106103	6,727	57,490	SH		DFND		56,889	0	601
NVIDIA Corp	COM	67066G104	644	4,411	SH		DFND		4,331	0	80
Nelnet Inc	CL A	64031N108	9,281	102,263	SH		DFND		101,863	0	400
Neuberger Berman Funds/Closed-	COM	64124P101	207	19,865	SH		DFND		630	0	19,235
Norfolk Southern Corp	COM	655844108	2,172	8,813	SH		DFND		8,613	0	200
Novartis AG	SPONSORED ADR	66987V109	300	3,307	SH		DFND		2,907	0	400
Novo Holdings A/S	ADR	670100205	21,666	160,085	SH		DFND		157,620	0	2,465
Nuveen Closed-End Funds/USA	COM	670657105	201	17,711	SH		DFND		3,014	0	14,697
Nuveen Closed-End Funds/USA	COM	67066V101	154	13,025	SH		DFND		2,550	0	10,475
Nuveen Closed-End Funds/USA	COM	670928100	7,827	910,108	SH		DFND		891,108	0	19,000
OGE Energy Corp	COM	670837103	542	13,704	SH		DFND		13,704	0	0
ORACLE CORP	COM	68389X105	551	6,749	SH		DFND		5,979	0	770
Otis Worldwide Corp	COM	68902V107	406	5,181	SH		DFND		3,435	0	1,746
PACCAR INC	COM	693718108	10,665	107,761	SH		DFND		107,264	0	497
PARKER-HANNIFIN	COM	701094104	6,439	22,128	SH		DFND		22,028	0	100
PEPSICO INC	COM	713448108	12,616	69,831	SH		DFND		65,317	0	4,514
PHILIP MORRIS INTL	COM	718172109	768	7,580	SH		DFND		7,580	0	0
PNC Financial Services Group I	COM	693475105	694	4,393	SH		DFND		4,393	0	0
Paychex Inc	COM	704326107	321	2,779	SH		DFND		2,779	0	0
Perrigo Co PLC	SHS	G97822103	6,321	185,425	SH		DFND		185,425	0	0
Pfizer Inc	COM	717081103	12,864	251,055	SH		DFND		237,555	0	13,500
Pfizer Inc	CL A	98978V103	215	1,464	SH		DFND		1,464	0	0
Phillips 66	COM	718546104	623	5,985	SH		DFND		5,433	0	552
Procter & Gamble Co/The	COM	742718109	15,007	99,016	SH		DFND		92,768	0	6,248
QUALCOMM Inc	COM	747525103	2,293	20,860	SH		DFND		19,809	0	1,051
ROCKWELL AUTOMATION	COM	773903109	1,673	6,497	SH		DFND		5,712	0	785
ROPER INDUSTRIES INC	COM	776696106	1,786	4,133	SH		DFND		3,974	0	159
Raytheon Technologies Corp	COM	75513E101	2,306	22,854	SH		DFND		18,902	0	3,952
S&P Global Inc	COM	78409V104	634	1,892	SH		DFND		1,892	0	0
SANDSTORM GOLD LTD	COM NEW	80013R206	5,898	1,121,340	SH		DFND		1,103,320	0	18,020
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	2,152	27,709	SH		DFND		27,667	0	42
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	20,788	153,024	SH		DFND		152,832	0	192
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	12,336	165,471	SH		DFND		165,368	0	103
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	17,524	135,671	SH		DFND		135,515	0	156
SELECT SECTOR SPDR	ENERGY	81369Y506	7,557	86,395	SH		DFND		86,337	0	58
SELECT SECTOR SPDR	FINANCIAL	81369Y605	14,636	427,967	SH		DFND		427,094	0	873
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	63,331	508,929	SH		DFND		508,296	0	633
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	2,686	38,094	SH		DFND		38,036	0	58
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	1,381	11,039	SH		DFND		10,729	0	310
SSgA Funds Management Inc	COMMUNICATION	81369Y852	3,501	72,958	SH		DFND		72,784	0	174
STARBUCKS CORP	COM	855244109	3,426	34,540	SH		DFND		34,500	0	40
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	373	7,624	SH		DFND		0	0	7,624
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	438	988	SH		DFND		988	0	0
Schlumberger Ltd	COM STK	806857108	505	9,436	SH		DFND		8,936	0	500
Sealed Air Corp	COM	81211K100	1,552	31,117	SH		DFND		31,028	0	89
Southern Co/The	COM	842587107	522	7,315	SH		DFND		7,115	0	200
State Street ETF/USA	TR UNIT	78462F103	3,655	9,556	SH		DFND		9,556	0	0
State Street Global Advisors Inc	SBI INT-INDS	81369Y704	15,446	157,271	SH		DFND		157,176	0	95
State Street Global Advisors Inc	RL EST SEL SEC	81369Y860	2,446	66,235	SH		DFND		66,139	0	96
Synopsys Inc	COM	871607107	2,716	8,505	SH		DFND		8,448	0	57
Sysco Corp	COM	871829107	9,866	129,047	SH		DFND		127,687	0	1,360
TEXAS INSTRUMENTS	COM	882508104	1,557	9,422	SH		DFND		9,362	0	60
TJX Cos Inc/The	COM	872540109	7,450	93,593	SH		DFND		93,143	0	450
TRACTOR SUPPLY CO	COM	892356106	1,569	6,976	SH		DFND		6,941	0	35
TRAVELERS CO INC	COM	89417E109	312	1,666	SH		DFND		1,666	0	0
Target Corp	COM	87612E106	876	5,875	SH		DFND		5,813	0	62
Texas Pacific Land Corp	COM	88262P102	17,697	7,549	SH		DFND		7,504	0	45
Thermo Fisher Scientific Inc	COM	883556102	6,220	11,295	SH		DFND		11,088	0	207
Timken Co/The	COM	887389104	2,544	36,005	SH		DFND		36,005	0	0
UTD PARCEL SERV	CL B	911312106	15,131	87,038	SH		DFND		86,688	0	350
Unilever PLC	SPON ADR NEW	904767704	1,900	37,744	SH		DFND		37,744	0	0
Union Pacific Corp	COM	907818108	1,538	7,427	SH		DFND		6,647	0	780
UnitedHealth Group Inc	COM	91324P102	6,849	12,918	SH		DFND		12,795	0	123
VANGUARD	S&P 500 ETF SHS	922908363	669	1,904	SH		DFND		1,904	0	0
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	3,712	49,368	SH		DFND		49,368	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	353	1,848	SH		DFND		1,848	0	0
VERIZON COMMUN	COM	92343V104	5,802	147,266	SH		DFND		142,805	0	4,461
VISA INC	COM CL A	92826C839	3,041	14,637	SH		DFND		14,597	0	40
Valero Energy Corp	COM	91913Y100	1,734	13,668	SH		DFND		13,668	0	0
Van Kampen Funds/Closed-end/US	COM	46132C107	196	19,795	SH		DFND		0	0	19,795
Van Kampen Funds/Closed-end/US	COM	46133G107	126	13,348	SH		DFND		0	0	13,348
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	10,935	260,554	SH		DFND		259,081	0	1,473
Vanguard ETF/USA	FTSE EMR MKT ETF	922042858	5,686	145,857	SH		DFND		142,276	0	3,581
Vanguard ETF/USA	REAL ESTATE ETF	922908553	339	4,110	SH		DFND		4,110	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	1,985	9,743	SH		DFND		9,743	0	0
Vanguard ETF/USA	SMALL CP ETF	922908751	446	2,428	SH		DFND		2,428	0	0
Voya Investments LLC	CORE S&P TTL STK	464287150	4,598	54,225	SH		DFND		54,225	0	0
Voya Investments LLC	CORE S&P MCP ETF	464287507	22,267	92,053	SH		DFND		91,522	0	531
WASTE MANAGEMENT	COM	94106L109	4,432	28,248	SH		DFND		28,135	0	113
WEYERHAEUSER CO	COM NEW	962166104	1,076	34,692	SH		DFND		34,094	0	598
WISDOMTREE ASSET MANAGEMENT INC	US LARGECAP FUND	97717W588	428	10,296	SH		DFND		10,296	0	0
Walgreens Boots Alliance Inc	COM	931427108	3,394	90,842	SH		DFND		90,842	0	0
Walmart Inc	COM	931142103	7,618	53,733	SH		DFND		53,607	0	126
Walt Disney Co/The	COM	254687106	3,579	41,199	SH		DFND		39,462	0	1,737
Western Asset Trust Closed End	COM	95766P108	226	19,405	SH		DFND		0	0	19,405
Western Asset Trust Closed End	COM	958435109	115	15,110	SH		DFND		0	0	15,110
Xcel Energy Inc	COM	98389B100	479	6,835	SH		DFND		6,835	0	0
YUM BRANDS INC	COM	988498101	667	5,205	SH		DFND		5,205	0	0
Yum China Holdings Inc	COM	98850P109	201	3,684	SH		DFND		3,684	0	0
ZIMMER HLDGS INC	COM	98956P102	3,469	27,206	SH		DFND		27,153	0	53
iShares ETFs/USA	CORE US AGGBD ET	464287226	33,908	349,610	SH		DFND		347,030	0	2,580
iShares ETFs/USA	7-10 YR TRSY BD	464287440	208	2,176	SH		DFND		2,176	0	0