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
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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	153,800	200,000	SH		DFND		200,000	0	0
3M Co	COM	88579Y101	5,171,307	49,199	SH		DFND		48,819	0	380
ADVANCED MICRO DEV	COM	007903107	596,979	6,091	SH		DFND		6,091	0	0
ALPHABET INC	CAP STK CL A	02079K305	10,556,395	101,768	SH		DFND		100,394	0	1,374
ALTRIA GROUP INC	COM	02209S103	323,941	7,260	SH		DFND		7,260	0	0
AMER EXPRESS CO	COM	025816109	376,086	2,280	SH		DFND		1,980	0	300
AMETEK Inc	COM	031100100	1,305,209	8,981	SH		DFND		8,561	0	420
ANALOG DEVICES INC	COM	032654105	324,033	1,643	SH		DFND		1,298	0	345
APPLIED MATERIALS	COM	038222105	1,022,068	8,321	SH		DFND		7,121	0	1,200
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	3,078,171	4,522	SH		DFND		4,522	0	0
AT&T INC	COM	00206R102	1,649,744	85,701	SH		DFND		83,247	0	2,454
AUTOMATIC DATA PROCESSING	COM	053015103	12,760,929	57,319	SH		DFND		55,323	0	1,996
AUTOZONE INC	COM	053332102	2,003,392	815	SH		DFND		815	0	0
AbbVie Inc	COM	00287Y109	12,917,736	81,055	SH		DFND		77,655	0	3,400
Abbott Laboratories	COM	002824100	15,299,880	151,095	SH		DFND		147,358	0	3,737
Accenture PLC	SHS CLASS A	G1151C101	4,437,201	15,525	SH		DFND		15,249	0	276
Adobe Inc	COM	00724F101	3,574,307	9,275	SH		DFND		9,029	0	246
Aflac Inc	COM	001055102	254,854	3,950	SH		DFND		3,100	0	850
Air Products and Chemicals Inc	COM	009158106	7,699,238	26,807	SH		DFND		24,866	0	1,941
Akamai Technologies Inc	COM	00971T101	886,669	11,324	SH		DFND		11,310	0	14
Alphabet Inc	CAP STK CL C	02079K107	2,999,256	28,839	SH		DFND		27,439	0	1,400
Amazon.com Inc	COM	023135106	8,761,368	84,823	SH		DFND		84,095	0	728
American Tower Corp	COM	03027X100	3,979,930	19,477	SH		DFND		18,927	0	550
American Water Works Co Inc	COM	030420103	827,375	5,648	SH		DFND		5,548	0	100
Amgen Inc	COM	031162100	715,822	2,961	SH		DFND		2,761	0	200
Amphenol Corp	CL A	032095101	2,615,285	32,003	SH		DFND		31,679	0	324
Aon PLC	SHS CL A	G0403H108	1,137,566	3,608	SH		DFND		3,608	0	0
Apple Inc	COM	037833100	47,410,069	287,508	SH		DFND		274,786	0	12,722
AvalonBay Communities Inc	COM	053484101	2,010,838	11,965	SH		DFND		11,790	0	175
BAKER HUGHES INC	CL A	05722G100	4,331,078	150,072	SH		DFND		148,520	0	1,552
BALL CORP	COM	058498106	3,771,067	68,428	SH		DFND		68,228	0	200
BARRICK GOLD CORP	COM	067901108	8,658,504	466,263	SH		DFND		463,763	0	2,500
BECTON DICKINSON	COM	075887109	2,118,942	8,560	SH		DFND		8,560	0	0
BK OF AMERICA CORP	COM	060505104	3,351,548	117,187	SH		DFND		117,118	0	69
BOEING CO	COM	097023105	347,323	1,635	SH		DFND		1,399	0	236
BP PLC	SPONSORED ADR	055622104	357,698	9,428	SH		DFND		8,986	0	442
BRISTOL-MYRS SQUIB	COM	110122108	2,690,337	38,816	SH		DFND		36,916	0	1,900
Bar Harbor Bankshares	COM	066849100	12,900,511	487,732	SH		DFND		14,500	0	473,232
Berkshire Hathaway Inc	CL B NEW	084670702	12,680,875	41,069	SH		DFND		40,299	0	770
BlackRock Fund Advisors	CORE S&P TTL STK	464287150	4,899,751	54,111	SH		DFND		54,111	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	1,806,095	25,253	SH		DFND		25,103	0	150
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	450,215	6,439	SH		DFND		6,439	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	22,414,336	89,600	SH		DFND		89,149	0	451
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	426,486	5,964	SH		DFND		5,784	0	180
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	251,684	2,449	SH		DFND		2,339	0	110
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	20,309,418	210,025	SH		DFND		207,843	0	2,182
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	24,424,100	476,289	SH		DFND		469,430	0	6,859
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	25,334,944	501,285	SH		DFND		498,379	0	2,906
BlackRock Fund Advisors	PFD AND INCM SEC	464288687	488,468	15,646	SH		DFND		14,146	0	1,500
BlackRock Funds/Closed-End/USA	COM	09253X102	159,140	13,625	SH		DFND		0	0	13,625
BlackRock Funds/Closed-end/USA	COM	09254F100	145,691	12,305	SH		DFND		0	0	12,305
BlackRock Inc	COM	09247X101	861,827	1,288	SH		DFND		1,288	0	0
Blackstone Inc	COM	09260D107	437,619	4,982	SH		DFND		4,982	0	0
Booking Holdings Inc	COM	09857L108	2,408,389	908	SH		DFND		908	0	0
Booz Allen Hamilton Holding Co	CL A	099502106	7,370,802	79,521	SH		DFND		79,046	0	475
Broadcom Inc	COM	11135F101	400,963	625	SH		DFND		155	0	470
Brookfield Renewable Partners	CL A SUB VTG	11284V105	1,194,242	34,170	SH		DFND		32,670	0	1,500
Brown & Brown Inc	COM	115236101	9,273,387	161,501	SH		DFND		160,451	0	1,050
CARRIER GLOBAL CORP	COM	14448C104	448,075	9,794	SH		DFND		6,300	0	3,494
CDW Corp/DE	COM	12514G108	1,013,428	5,200	SH		DFND		5,200	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	512,120	7,000	SH		DFND		7,000	0	0
CHUBB LIMITED COM	COM	H1467J104	4,148,073	21,362	SH		DFND		19,865	0	1,497
CINTAS CORP	COM	172908105	983,195	2,125	SH		DFND		2,125	0	0
CISCO SYSTEMS	COM	17275R102	5,611,618	107,348	SH		DFND		106,678	0	670
COGNIZANT TECHNOLO	CL A	192446102	887,385	14,564	SH		DFND		14,545	0	19
COLGATE-PALMOLIVE	COM	194162103	11,416,788	151,920	SH		DFND		151,920	0	0
CONOCOPHILLIPS	COM	20825C104	442,477	4,460	SH		DFND		3,316	0	1,144
CORNING INC	COM	219350105	2,173,565	61,609	SH		DFND		59,853	0	1,756
CSX CORP	COM	126408103	2,359,811	78,818	SH		DFND		66,818	0	12,000
CVS Health Corp	COM	126650100	570,254	7,674	SH		DFND		7,674	0	0
Capri Holdings Ltd	SHS	G1890L107	950,199	20,217	SH		DFND		20,217	0	0
Caterpillar Inc	COM	149123101	12,282,529	53,673	SH		DFND		53,633	0	40
Chevron Corp	COM	166764100	17,824,577	109,246	SH		DFND		108,042	0	1,204
Church & Dwight Co Inc	COM	171340102	200,249	2,265	SH		DFND		2,265	0	0
Clorox Co/The	COM	189054109	386,739	2,444	SH		DFND		2,444	0	0
Coca-Cola Co/The	COM	191216100	4,115,939	66,354	SH		DFND		65,394	0	960
Comcast Corp	CL A	20030N101	3,137,772	82,769	SH		DFND		80,586	0	2,183
Consolidated Edison Inc	COM	209115104	403,154	4,214	SH		DFND		4,114	0	100
Costco Wholesale Corp	COM	22160K105	19,178,685	38,599	SH		DFND		38,421	0	178
DEERE & CO	COM	244199105	744,835	1,804	SH		DFND		1,754	0	50
DIAGEO	SPON ADR NEW	25243Q205	227,381	1,255	SH		DFND		700	0	555
DOMINION RES(VIR)	COM	25746U109	2,745,964	49,114	SH		DFND		48,070	0	1,044
DTE Energy Co	COM	233331107	217,875	1,989	SH		DFND		1,849	0	140
DUKE ENERGY CORP	COM NEW	26441C204	314,879	3,264	SH		DFND		3,264	0	0
Danaher Corp	COM	235851102	7,805,426	30,969	SH		DFND		30,553	0	416
Dollar Tree Inc	COM	256746108	1,408,512	9,812	SH		DFND		9,801	0	11
Dover Corp	COM	260003108	874,870	5,758	SH		DFND		5,478	0	280
Dow Inc	COM	260557103	1,054,847	19,242	SH		DFND		18,256	0	986
Dreyfus Funds/Closed-end/USA	COM SHS	09662W109	236,436	20,400	SH		DFND		0	0	20,400
DuPont de Nemours Inc	COM	26614N102	1,151,478	16,044	SH		DFND		15,058	0	986
ECOLAB INC	COM	278865100	710,621	4,293	SH		DFND		4,293	0	0
EMERSON ELECTRIC	COM	291011104	6,168,118	70,784	SH		DFND		70,784	0	0
EQUITY COMMONWEALTH	6.5% CNV PFD D	294628201	4,699,194	188,043	SH		DFND		185,293	0	2,750
Eaton Corp PLC	SHS	G29183103	1,578,212	9,211	SH		DFND		9,201	0	10
Eaton Vance Funds/Closed-end/U	COM	27829F108	168,071	21,520	SH		DFND		21,520	0	0
Eaton Vance Funds/USA	COM	27828N102	162,213	13,900	SH		DFND		13,900	0	0
Eaton Vance Management	SH BEN INT	27826U108	135,874	13,413	SH		DFND		0	0	13,413
Elevance Health Inc	COM	036752103	448,315	975	SH		DFND		975	0	0
Eli Lilly & Co	COM	532457108	27,775,809	80,880	SH		DFND		80,485	0	395
Essential Utilities Inc	COM	29670G102	279,971	6,414	SH		DFND		6,414	0	0
Eversource Energy	COM	30040W108	365,552	4,671	SH		DFND		4,671	0	0
Exxon Mobil Corp	COM	30231G102	20,168,996	183,923	SH		DFND		174,265	0	9,658
FEDEX CORP	COM	31428X106	3,144,251	13,761	SH		DFND		13,746	0	15
FMC Corp	COM NEW	302491303	529,067	4,332	SH		DFND		4,332	0	0
First Bancorp Inc/The	COM	31866P102	414,835	16,023	SH		DFND		16,023	0	0
GENERAL MILLS INC	COM	370334104	1,890,119	22,117	SH		DFND		20,837	0	1,280
GSK PLC	SPONSORED ADR	37733W204	2,387,133	67,092	SH		DFND		67,092	0	0
General Electric Co	COM NEW	369604301	334,695	3,501	SH		DFND		2,913	0	588
Genuine Parts Co	COM	372460105	927,734	5,545	SH		DFND		5,545	0	0
Gilead Sciences Inc	COM	375558103	354,531	4,273	SH		DFND		3,773	0	500
Grupo Aeroportuario del Surest	SPON ADR SER B	40051E202	9,320,059	30,411	SH		DFND		30,411	0	0
Harbor ETF Trust	None	41151J109	215,641	4,879	SH		DFND		1,473	0	3,405
Hewlett Packard Enterprise Co	COM	42824C109	161,642	10,147	SH		DFND		10,147	0	0
Home Depot Inc/The	COM	437076102	8,043,496	27,255	SH		DFND		26,666	0	589
Honeywell International Inc	COM	438516106	1,259,863	6,592	SH		DFND		5,792	0	800
ILLINOIS TOOL WKS	COM	452308109	1,257,176	5,164	SH		DFND		5,164	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	3,953,634	37,910	SH		DFND		37,368	0	542
INTL BUSINESS MCHN	COM	459200101	7,723,299	58,916	SH		DFND		57,056	0	1,860
ISHARES	MSCI STH AFR ETF	464286780	678,265	16,065	SH		DFND		16,065	0	0
ISHARES	SELECT DIVID ETF	464287168	865,609	7,387	SH		DFND		7,387	0	0
ISHARES	CHINA LG-CAP ETF	464287184	1,065,856	36,094	SH		DFND		36,094	0	0
ISHARES	CORE S&P500 ETF	464287200	41,817,525	101,726	SH		DFND		101,099	0	627
ISHARES	IBOXX INV CP ETF	464287242	9,474,360	86,437	SH		DFND		85,871	0	566
ISHARES	S&P 500 GRWT ETF	464287309	654,426	10,243	SH		DFND		9,667	0	576
ISHARES	ISHARES BIOTECH	464287556	2,375,123	18,389	SH		DFND		18,330	0	59
ISHARES	RUSSELL 2000 ETF	464287655	554,289	3,107	SH		DFND		3,107	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	1,261,378	31,966	SH		DFND		31,216	0	750
ISHARES TRUST	TIPS BD ETF	464287176	6,255,916	56,743	SH		DFND		56,508	0	235
ISHARES TRUST	1 3 YR TREAS BD	464287457	299,638	3,647	SH		DFND		3,647	0	0
ISHARES TRUST	GLOBAL 100 ETF	464287572	250,114	3,570	SH		DFND		3,570	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	1,509,338	19,978	SH		DFND		19,978	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	226,586	2,061	SH		DFND		2,061	0	0
Intel Corp	COM	458140100	2,793,089	85,494	SH		DFND		83,894	0	1,600
Invesco Capital Management LLC	UNIT SER 1	46090E103	11,080,429	34,526	SH		DFND		34,526	0	0
JPMorgan Chase & Co	COM	46625H100	11,935,744	91,595	SH		DFND		90,872	0	723
Johnson & Johnson	COM	478160104	39,168,655	252,701	SH		DFND		245,327	0	7,374
KELLOGG CO	COM	487836108	1,349,378	20,152	SH		DFND		19,352	0	800
KIMBERLY-CLARK CP	COM	494368103	1,412,666	10,525	SH		DFND		10,525	0	0
KRAFT FOODS INC	CL A	609207105	452,064	6,484	SH		DFND		6,484	0	0
Kinder Morgan Inc	COM	49456B101	2,821,316	161,126	SH		DFND		160,425	0	701
L3Harris Technologies Inc	COM	502431109	3,929,706	20,025	SH		DFND		19,998	0	27
LEGG MASON PARTNERS FUND ADVISOR LLC	COM	95766M105	194,518	18,922	SH		DFND		0	0	18,922
LOWE'S COS INC	COM	548661107	2,172,674	10,865	SH		DFND		10,645	0	220
Lam Research Corp	COM	512807108	3,347,178	6,314	SH		DFND		6,308	0	6
Lockheed Martin Corp	COM	539830109	993,678	2,102	SH		DFND		2,102	0	0
M&T Bank Corp	COM	55261F104	346,514	2,898	SH		DFND		2,839	0	59
MARSH & MCLENNAN	COM	571748102	866,892	5,205	SH		DFND		5,081	0	124
MASTERCARD INC	CL A	57636Q104	7,211,508	19,844	SH		DFND		19,745	0	99
MCDONALD'S CORP	COM	580135101	5,426,950	19,409	SH		DFND		17,319	0	2,090
MICROSOFT CORP	COM	594918104	26,210,506	90,914	SH		DFND		86,306	0	4,608
MOODYS CORP	COM	615369105	455,358	1,488	SH		DFND		1,488	0	0
Marathon Petroleum Corp	COM	56585A102	733,071	5,437	SH		DFND		5,437	0	0
Merck & Co Inc	COM	58933Y105	14,856,618	139,643	SH		DFND		137,438	0	2,205
Microchip Technology Inc	COM	595017104	201,072	2,400	SH		DFND		200	0	2,200
NEXTERA ENERGY	COM	65339F101	9,183,157	119,138	SH		DFND		115,353	0	3,785
NIKE INC	CL B	654106103	6,523,834	53,195	SH		DFND		52,644	0	551
NVIDIA Corp	COM	67066G104	1,110,247	3,997	SH		DFND		3,997	0	0
Nelnet Inc	CL A	64031N108	9,395,569	102,248	SH		DFND		101,848	0	400
Neuberger Berman Funds/Closed-	COM	64124P101	217,522	19,865	SH		DFND		630	0	19,235
Norfolk Southern Corp	COM	655844108	1,803,060	8,505	SH		DFND		8,305	0	200
Novartis AG	SPONSORED ADR	66987V109	304,244	3,307	SH		DFND		2,907	0	400
Novo Holdings A/S	ADR	670100205	24,996,757	157,074	SH		DFND		154,719	0	2,355
Nuveen Closed-End Funds/USA	COM	670657105	196,946	17,711	SH		DFND		3,014	0	14,697
Nuveen Closed-End Funds/USA	COM	67066V101	150,178	13,025	SH		DFND		2,550	0	10,475
Nuveen Closed-End Funds/USA	COM	670928100	8,136,986	923,608	SH		DFND		904,608	0	19,000
OGE Energy Corp	COM	670837103	516,092	13,704	SH		DFND		13,704	0	0
ON Semiconductor Corp	COM	682189105	2,255,485	27,399	SH		DFND		27,350	0	49
ORACLE CORP	COM	68389X105	547,671	5,894	SH		DFND		5,124	0	770
Otis Worldwide Corp	COM	68902V107	423,351	5,016	SH		DFND		3,270	0	1,746
PACCAR INC	COM	693718108	11,651,244	159,170	SH		DFND		158,464	0	706
PARKER-HANNIFIN	COM	701094104	7,130,910	21,216	SH		DFND		21,116	0	100
PEPSICO INC	COM	713448108	12,440,882	68,244	SH		DFND		63,765	0	4,479
PHILIP MORRIS INTL	COM	718172109	706,425	7,264	SH		DFND		7,264	0	0
PNC Financial Services Group I	COM	693475105	495,563	3,899	SH		DFND		3,899	0	0
Paychex Inc	COM	704326107	306,987	2,679	SH		DFND		2,679	0	0
Perrigo Co PLC	SHS	G97822103	7,110,188	198,221	SH		DFND		197,121	0	1,100
Pfizer Inc	COM	717081103	10,248,144	251,180	SH		DFND		238,516	0	12,664
Pfizer Inc	CL A	98978V103	243,668	1,464	SH		DFND		1,464	0	0
Phillips 66	COM	718546104	566,410	5,587	SH		DFND		5,035	0	552
Procter & Gamble Co/The	COM	742718109	14,190,230	95,435	SH		DFND		89,243	0	6,192
PureCycle Technologies Inc	COM	74623V103	84,000	12,000	SH		DFND		12,000	0	0
QUALCOMM Inc	COM	747525103	2,516,643	19,726	SH		DFND		18,691	0	1,035
ROCKWELL AUTOMATION	COM	773903109	1,695,261	5,777	SH		DFND		5,227	0	550
ROPER INDUSTRIES INC	COM	776696106	1,480,278	3,359	SH		DFND		3,210	0	149
Raytheon Technologies Corp	COM	75513E101	2,214,980	22,618	SH		DFND		18,666	0	3,952
S&P Global Inc	COM	78409V104	652,304	1,892	SH		DFND		1,892	0	0
SANDSTORM GOLD LTD	COM NEW	80013R206	6,558,688	1,128,862	SH		DFND		1,110,842	0	18,020
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	2,213,391	27,441	SH		DFND		27,399	0	42
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	19,945,385	154,066	SH		DFND		153,874	0	192
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	12,365,178	165,509	SH		DFND		165,406	0	103
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	20,007,854	133,796	SH		DFND		133,640	0	156
SELECT SECTOR SPDR	ENERGY	81369Y506	7,043,035	85,030	SH		DFND		84,972	0	58
SELECT SECTOR SPDR	FINANCIAL	81369Y605	13,849,995	430,793	SH		DFND		429,920	0	873
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	75,426,324	499,479	SH		DFND		498,933	0	546
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	2,589,548	38,256	SH		DFND		38,198	0	58
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	1,365,634	11,039	SH		DFND		10,729	0	310
SSgA Funds Management Inc	TR UNIT	78462F103	3,996,056	9,761	SH		DFND		9,761	0	0
SSgA Funds Management Inc	COMMUNICATION	81369Y852	4,215,404	72,717	SH		DFND		72,543	0	174
STARBUCKS CORP	COM	855244109	3,105,364	29,822	SH		DFND		29,803	0	19
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	381,810	15,248	SH		DFND		0	0	15,248
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	452,909	988	SH		DFND		988	0	0
Schlumberger NV	COM STK	806857108	463,308	9,436	SH		DFND		8,936	0	500
Sealed Air Corp	COM	81211K100	1,487,301	32,396	SH		DFND		32,359	0	37
Southern Co/The	COM	842587107	479,615	6,893	SH		DFND		6,693	0	200
State Street Global Advisors Inc	SBI INT-INDS	81369Y704	15,878,077	156,929	SH		DFND		156,834	0	95
State Street Global Advisors Inc	RL EST SEL SEC	81369Y860	2,466,707	65,990	SH		DFND		65,894	0	96
Stryker Corp	COM	863667101	208,964	732	SH		DFND		732	0	0
Synopsys Inc	COM	871607107	743,918	1,926	SH		DFND		1,884	0	42
Sysco Corp	COM	871829107	9,927,685	128,547	SH		DFND		127,187	0	1,360
TEXAS INSTRUMENTS	COM	882508104	1,622,566	8,723	SH		DFND		8,663	0	60
TJX Cos Inc/The	COM	872540109	7,367,799	94,025	SH		DFND		93,175	0	850
TRACTOR SUPPLY CO	COM	892356106	1,597,802	6,798	SH		DFND		6,763	0	35
TRAVELERS CO INC	COM	89417E109	285,569	1,666	SH		DFND		1,666	0	0
Target Corp	COM	87612E106	973,076	5,875	SH		DFND		5,813	0	62
Texas Pacific Land Corp	COM	88262P102	12,577,342	7,394	SH		DFND		7,349	0	45
Thermo Fisher Scientific Inc	COM	883556102	6,034,594	10,470	SH		DFND		10,263	0	207
Timken Co/The	COM	887389104	2,936,526	35,934	SH		DFND		35,934	0	0
UTD PARCEL SERV	CL B	911312106	16,881,592	87,023	SH		DFND		86,673	0	350
Unilever PLC	SPON ADR NEW	904767704	2,135,154	41,116	SH		DFND		41,116	0	0
Union Pacific Corp	COM	907818108	1,440,016	7,155	SH		DFND		6,610	0	545
UnitedHealth Group Inc	COM	91324P102	5,985,352	12,665	SH		DFND		12,551	0	114
VANGUARD	S&P 500 ETF SHS	922908363	652,105	1,734	SH		DFND		1,734	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	5,868,908	145,270	SH		DFND		142,089	0	3,181
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	3,490,343	45,787	SH		DFND		45,787	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	377,177	1,848	SH		DFND		1,848	0	0
VERIZON COMMUN	COM	92343V104	5,863,095	150,761	SH		DFND		146,389	0	4,372
VISA INC	COM CL A	92826C839	3,145,393	13,951	SH		DFND		13,911	0	40
Valero Energy Corp	COM	91913Y100	1,908,053	13,668	SH		DFND		13,668	0	0
Van Kampen Funds/Closed-end/US	COM	46132C107	194,189	19,795	SH		DFND		0	0	19,795
Van Kampen Funds/Closed-end/US	COM	46133G107	133,213	13,348	SH		DFND		0	0	13,348
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	15,737,409	348,404	SH		DFND		347,661	0	743
Vanguard ETF/USA	REAL ESTATE ETF	922908553	277,852	3,346	SH		DFND		3,346	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	2,552,975	12,104	SH		DFND		12,104	0	0
Vanguard ETF/USA	SMALL CP ETF	922908751	277,326	1,463	SH		DFND		1,463	0	0
WASTE MANAGEMENT	COM	94106L109	4,616,732	28,294	SH		DFND		28,281	0	13
WISDOMTREE ASSET MANAGEMENT INC	US LARGECAP FUND	97717W588	450,141	10,296	SH		DFND		10,296	0	0
WW Grainger Inc	COM	384802104	221,797	322	SH		DFND		322	0	0
Walgreens Boots Alliance Inc	COM	931427108	3,042,625	87,988	SH		DFND		87,988	0	0
Walmart Inc	COM	931142103	8,196,598	55,589	SH		DFND		55,480	0	109
Walt Disney Co/The	COM	254687106	4,309,796	43,042	SH		DFND		41,346	0	1,696
Western Asset Trust Closed End	COM	95766P108	234,801	19,405	SH		DFND		0	0	19,405
Western Asset Trust Closed End	COM	958435109	119,472	15,110	SH		DFND		0	0	15,110
Xcel Energy Inc	COM	98389B100	460,952	6,835	SH		DFND		6,835	0	0
YUM BRANDS INC	COM	988498101	687,476	5,205	SH		DFND		5,205	0	0
Yum China Holdings Inc	COM	98850P109	233,529	3,684	SH		DFND		3,684	0	0
ZIMMER HLDGS INC	COM	98956P102	3,778,454	29,245	SH		DFND		29,224	0	21
iShares ETFs/USA	CORE US AGGBD ET	464287226	39,988,621	401,331	SH		DFND		398,751	0	2,580