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
22nd Century Group Inc	COM	90137F103	97,589	255,000	SH		DFND		255,000	0	0
3M Co	COM	88579Y101	4,877,786	48,734	SH		DFND		48,354	0	380
ADVANCED MICRO DEV	COM	007903107	577,296	5,068	SH		DFND		5,068	0	0
ALBEMARLE CORP	COM	012653101	540,101	2,421	SH		DFND		2,419	0	2
ALPHABET INC	CAP STK CL A	02079K305	11,881,302	99,259	SH		DFND		97,885	0	1,374
ALTRIA GROUP INC	COM	02209S103	270,441	5,970	SH		DFND		5,970	0	0
AMER EXPRESS CO	COM	025816109	385,331	2,212	SH		DFND		1,912	0	300
AMETEK Inc	COM	031100100	1,380,999	8,531	SH		DFND		8,111	0	420
ANALOG DEVICES INC	COM	032654105	283,254	1,454	SH		DFND		1,109	0	345
APPLIED MATERIALS	COM	038222105	842,523	5,829	SH		DFND		4,629	0	1,200
ARISTA NETWORKS INC	COM	040413106	1,498,569	9,247	SH		DFND		9,247	0	0
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	3,312,108	4,570	SH		DFND		4,570	0	0
AT&T INC	COM	00206R102	1,344,441	84,291	SH		DFND		81,837	0	2,454
AUTOMATIC DATA PROCESSING	COM	053015103	11,997,457	54,586	SH		DFND		52,590	0	1,996
AUTOZONE INC	COM	053332102	2,017,129	809	SH		DFND		809	0	0
AbbVie Inc	COM	00287Y109	10,838,355	80,445	SH		DFND		77,045	0	3,400
Abbott Laboratories	COM	002824100	15,916,266	145,994	SH		DFND		142,257	0	3,737
Accenture PLC	SHS CLASS A	G1151C101	4,786,693	15,512	SH		DFND		15,268	0	244
Adobe Inc	COM	00724F101	4,371,082	8,939	SH		DFND		8,708	0	231
Aflac Inc	COM	001055102	244,858	3,508	SH		DFND		2,658	0	850
Air Products and Chemicals Inc	COM	009158106	7,555,944	25,226	SH		DFND		23,285	0	1,941
Akamai Technologies Inc	COM	00971T101	1,102,255	12,265	SH		DFND		12,251	0	14
Alphabet Inc	CAP STK CL C	02079K107	3,687,649	30,484	SH		DFND		29,084	0	1,400
Amazon.com Inc	COM	023135106	10,897,183	83,593	SH		DFND		82,865	0	728
American Tower Corp	COM	03027X100	4,002,146	20,636	SH		DFND		20,086	0	550
American Water Works Co Inc	COM	030420103	804,111	5,633	SH		DFND		5,533	0	100
Amgen Inc	COM	031162100	657,402	2,961	SH		DFND		2,761	0	200
Amphenol Corp	CL A	032095101	2,817,536	33,167	SH		DFND		32,843	0	324
Aon PLC	SHS CL A	G0403H108	1,236,506	3,582	SH		DFND		3,582	0	0
Apple Inc	COM	037833100	54,705,553	282,031	SH		DFND		269,389	0	12,642
AvalonBay Communities Inc	COM	053484101	2,434,201	12,861	SH		DFND		12,686	0	175
BAKER HUGHES INC	CL A	05722G100	4,895,346	154,867	SH		DFND		153,315	0	1,552
BALL CORP	COM	058498106	3,971,377	68,225	SH		DFND		68,025	0	200
BARRICK GOLD CORP	COM	067901108	8,018,674	473,637	SH		DFND		470,637	0	3,000
BECTON DICKINSON	COM	075887109	2,222,964	8,420	SH		DFND		8,420	0	0
BK OF AMERICA CORP	COM	060505104	3,270,143	113,982	SH		DFND		113,913	0	69
BOEING CO	COM	097023105	336,167	1,592	SH		DFND		1,356	0	236
BP PLC	SPONSORED ADR	055622104	332,714	9,428	SH		DFND		8,986	0	442
BRISTOL-MYRS SQUIB	COM	110122108	2,373,760	37,119	SH		DFND		35,219	0	1,900
Bar Harbor Bankshares	COM	066849100	11,677,463	473,923	SH		DFND		14,400	0	459,523
Berkshire Hathaway Inc	CL B NEW	084670702	13,582,712	39,832	SH		DFND		39,065	0	767
BlackRock Fund Advisors	CORE S&P TTL STK	464287150	5,294,220	54,111	SH		DFND		54,111	0	0
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	470,240	6,439	SH		DFND		6,439	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	22,836,356	87,335	SH		DFND		86,930	0	405
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	448,575	5,981	SH		DFND		5,801	0	180
BlackRock Fund Advisors	RUS 1000 ETF	464287622	200,354	822	SH		DFND		822	0	0
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	262,361	2,449	SH		DFND		2,339	0	110
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	20,395,764	204,674	SH		DFND		202,574	0	2,100
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	21,816,657	431,415	SH		DFND		426,414	0	5,001
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	21,590,258	430,342	SH		DFND		427,601	0	2,741
BlackRock Fund Advisors	PFD AND INCM SEC	464288687	687,822	22,238	SH		DFND		20,738	0	1,500
BlackRock Funds/Closed-End/USA	COM	09253X102	155,870	13,625	SH		DFND		0	0	13,625
BlackRock Funds/Closed-end/USA	COM	09254F100	142,369	12,305	SH		DFND		0	0	12,305
BlackRock Inc	COM	09247X101	729,153	1,055	SH		DFND		1,055	0	0
Blackstone Inc	COM	09260D107	455,739	4,902	SH		DFND		4,902	0	0
Booking Holdings Inc	COM	09857L108	2,198,069	814	SH		DFND		814	0	0
Booz Allen Hamilton Holding Co	CL A	099502106	8,860,259	79,393	SH		DFND		78,918	0	475
Broadcom Inc	COM	11135F101	542,144	625	SH		DFND		155	0	470
Brookfield Renewable Partners	CL A SUB VTG	11284V105	988,342	31,356	SH		DFND		29,856	0	1,500
Brown & Brown Inc	COM	115236101	11,108,986	161,374	SH		DFND		160,324	0	1,050
CARRIER GLOBAL CORP	COM	14448C104	464,490	9,344	SH		DFND		5,850	0	3,494
CDW Corp/DE	COM	12514G108	827,035	4,507	SH		DFND		4,507	0	0
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	508,340	7,000	SH		DFND		7,000	0	0
CHUBB LIMITED COM	COM	H1467J104	4,247,488	22,058	SH		DFND		20,561	0	1,497
CINTAS CORP	COM	172908105	866,411	1,743	SH		DFND		1,743	0	0
CISCO SYSTEMS	COM	17275R102	4,953,071	95,730	SH		DFND		95,060	0	670
COGNIZANT TECHNOLO	CL A	192446102	255,376	3,912	SH		DFND		3,912	0	0
COLGATE-PALMOLIVE	COM	194162103	11,460,316	148,758	SH		DFND		148,758	0	0
CONOCOPHILLIPS	COM	20825C104	434,851	4,197	SH		DFND		3,053	0	1,144
CORNING INC	COM	219350105	2,058,495	58,747	SH		DFND		56,991	0	1,756
CSX CORP	COM	126408103	2,687,694	78,818	SH		DFND		66,818	0	12,000
CVS Health Corp	COM	126650100	503,543	7,284	SH		DFND		7,284	0	0
Capri Holdings Ltd	SHS	G1890L107	743,318	20,711	SH		DFND		20,711	0	0
Caterpillar Inc	COM	149123101	12,834,214	52,161	SH		DFND		52,161	0	0
Chevron Corp	COM	166764100	16,781,850	106,653	SH		DFND		105,449	0	1,204
Church & Dwight Co Inc	COM	171340102	227,021	2,265	SH		DFND		2,265	0	0
Clorox Co/The	COM	189054109	364,997	2,295	SH		DFND		2,295	0	0
Coca-Cola Co/The	COM	191216100	3,888,044	64,564	SH		DFND		63,604	0	960
Comcast Corp	CL A	20030N101	3,423,055	82,384	SH		DFND		80,216	0	2,168
Consolidated Edison Inc	COM	209115104	380,945	4,214	SH		DFND		4,114	0	100
Costco Wholesale Corp	COM	22160K105	20,588,189	38,241	SH		DFND		38,063	0	178
DEERE & CO	COM	244199105	711,514	1,756	SH		DFND		1,706	0	50
DIAGEO	SPON ADR NEW	25243Q205	217,717	1,255	SH		DFND		700	0	555
DOMINION RES(VIR)	COM	25746U109	2,916,191	56,308	SH		DFND		55,264	0	1,044
DTE Energy Co	COM	233331107	218,830	1,989	SH		DFND		1,849	0	140
DUKE ENERGY CORP	COM NEW	26441C204	292,911	3,264	SH		DFND		3,264	0	0
Danaher Corp	COM	235851102	7,221,360	30,089	SH		DFND		29,673	0	416
Dollar Tree Inc	COM	256746108	1,533,155	10,684	SH		DFND		10,673	0	11
Dover Corp	COM	260003108	624,855	4,232	SH		DFND		3,952	0	280
Dow Inc	COM	260557103	1,019,822	19,148	SH		DFND		18,162	0	986
Dreyfus Funds/Closed-end/USA	COM SHS	09662W109	219,708	20,400	SH		DFND		0	0	20,400
DuPont de Nemours Inc	COM	26614N102	970,727	13,588	SH		DFND		12,602	0	986
ECOLAB INC	COM	278865100	790,259	4,233	SH		DFND		4,233	0	0
EMERSON ELECTRIC	COM	291011104	6,216,211	68,771	SH		DFND		68,771	0	0
EQUITY COMMONWEALTH	6.5% CNV PFD D	294628201	5,296,510	208,524	SH		DFND		204,774	0	3,750
Eaton Corp PLC	SHS	G29183103	2,258,554	11,231	SH		DFND		11,221	0	10
Eaton Vance Management	SH BEN INT	27826U108	133,459	13,413	SH		DFND		0	0	13,413
Eaton Vance Management	COM	27828N102	135,814	10,900	SH		DFND		10,900	0	0
Eaton Vance Management	COM	27829F108	170,438	21,520	SH		DFND		21,520	0	0
Elevance Health Inc	COM	036752103	275,460	620	SH		DFND		620	0	0
Eli Lilly & Co	COM	532457108	37,757,580	80,510	SH		DFND		80,115	0	395
Essential Utilities Inc	COM	29670G102	218,787	5,482	SH		DFND		5,482	0	0
Eversource Energy	COM	30040W108	331,267	4,671	SH		DFND		4,671	0	0
Exxon Mobil Corp	COM	30231G102	19,339,106	180,318	SH		DFND		170,660	0	9,658
FEDEX CORP	COM	31428X106	3,665,201	14,785	SH		DFND		14,776	0	9
FMC Corp	COM NEW	302491303	452,001	4,332	SH		DFND		4,332	0	0
First Bancorp Inc/The	COM	31866P102	252,722	10,383	SH		DFND		10,383	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	1,595,391	19,638	SH		DFND		19,442	0	196
GENERAL MILLS INC	COM	370334104	1,657,103	21,605	SH		DFND		20,325	0	1,280
GSK PLC	SPONSORED ADR	37733W204	2,391,159	67,092	SH		DFND		67,092	0	0
General Electric Co	COM NEW	369604301	358,440	3,263	SH		DFND		2,675	0	588
Genuine Parts Co	COM	372460105	938,380	5,545	SH		DFND		5,545	0	0
Gilead Sciences Inc	COM	375558103	329,320	4,273	SH		DFND		3,773	0	500
Grupo Aeroportuario del Surest	SPON ADR SER B	40051E202	8,490,094	30,574	SH		DFND		30,574	0	0
Harbor ETF Trust	SCIENTIFIC HIGH	41151J109	212,057	4,876	SH		DFND		1,472	0	3,404
Hewlett Packard Enterprise Co	COM	42824C109	170,470	10,147	SH		DFND		10,147	0	0
Home Depot Inc/The	COM	437076102	8,276,071	26,642	SH		DFND		26,053	0	589
Honeywell International Inc	COM	438516106	1,241,681	5,984	SH		DFND		5,184	0	800
ILLINOIS TOOL WKS	COM	452308109	1,273,815	5,092	SH		DFND		5,092	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	3,740,347	33,077	SH		DFND		32,550	0	527
INTL BUSINESS MCHN	COM	459200101	7,883,550	58,916	SH		DFND		57,056	0	1,860
ISHARES	MSCI STH AFR ETF	464286780	639,066	16,065	SH		DFND		16,065	0	0
ISHARES	SELECT DIVID ETF	464287168	836,947	7,387	SH		DFND		7,387	0	0
ISHARES	CHINA LG-CAP ETF	464287184	981,396	36,094	SH		DFND		36,094	0	0
ISHARES	CORE S&P500 ETF	464287200	43,716,128	98,082	SH		DFND		97,500	0	582
ISHARES	IBOXX INV CP ETF	464287242	8,236,159	76,162	SH		DFND		75,596	0	566
ISHARES	S&P 500 GRWT ETF	464287309	670,546	9,514	SH		DFND		8,938	0	576
ISHARES	ISHARES BIOTECH	464287556	1,897,925	14,949	SH		DFND		14,880	0	69
ISHARES	RUSSELL 2000 ETF	464287655	552,260	2,949	SH		DFND		2,949	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	1,252,944	31,672	SH		DFND		30,922	0	750
ISHARES TRUST	TIPS BD ETF	464287176	3,777,247	35,098	SH		DFND		34,863	0	235
ISHARES TRUST	1 3 YR TREAS BD	464287457	295,699	3,647	SH		DFND		3,647	0	0
ISHARES TRUST	GLOBAL 100 ETF	464287572	271,534	3,570	SH		DFND		3,570	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	1,175,971	15,665	SH		DFND		15,665	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	236,411	2,057	SH		DFND		2,057	0	0
Intel Corp	COM	458140100	2,833,004	84,719	SH		DFND		83,119	0	1,600
Invesco Capital Management LLC	UNIT SER 1	46090E103	12,737,971	34,481	SH		DFND		34,481	0	0
JPMorgan Chase & Co	COM	46625H100	12,781,704	87,883	SH		DFND		87,168	0	715
Johnson & Johnson	COM	478160104	40,951,799	247,413	SH		DFND		240,039	0	7,374
KELLOGG CO	COM	487836108	1,316,929	19,539	SH		DFND		18,739	0	800
KIMBERLY-CLARK CP	COM	494368103	1,387,227	10,048	SH		DFND		10,048	0	0
KLA Corp	COM NEW	482480100	232,810	480	SH		DFND		480	0	0
KRAFT FOODS INC	CL A	609207105	374,839	5,139	SH		DFND		5,139	0	0
Kinder Morgan Inc	COM	49456B101	3,168,945	184,027	SH		DFND		183,326	0	701
L3Harris Technologies Inc	COM	502431109	3,872,722	19,782	SH		DFND		19,755	0	27
LEGG MASON PARTNERS FUND ADVISOR LLC	COM	95766M105	187,895	18,922	SH		DFND		0	0	18,922
LOWE'S COS INC	COM	548661107	2,452,231	10,865	SH		DFND		10,645	0	220
Lam Research Corp	COM	512807108	3,792,874	5,900	SH		DFND		5,895	0	5
Linde PLC	None	G54950103	1,559,761	4,093	SH		DFND		3,978	0	115
Lockheed Martin Corp	COM	539830109	967,719	2,102	SH		DFND		2,102	0	0
M&T Bank Corp	COM	55261F104	297,519	2,404	SH		DFND		2,345	0	59
MARSH & MCLENNAN	COM	571748102	886,985	4,716	SH		DFND		4,592	0	124
MASTERCARD INC	CL A	57636Q104	7,557,653	19,216	SH		DFND		19,120	0	96
MCDONALD'S CORP	COM	580135101	5,515,512	18,483	SH		DFND		16,393	0	2,090
MICROSOFT CORP	COM	594918104	29,881,023	87,746	SH		DFND		83,144	0	4,602
MOODYS CORP	COM	615369105	517,407	1,488	SH		DFND		1,488	0	0
Marathon Petroleum Corp	COM	56585A102	596,059	5,112	SH		DFND		5,112	0	0
Medtronic PLC	SHS	G5960L103	7,740,113	87,856	SH		DFND		87,856	0	0
Merck & Co Inc	COM	58933Y105	15,989,938	138,573	SH		DFND		136,368	0	2,205
Microchip Technology Inc	COM	595017104	215,016	2,400	SH		DFND		200	0	2,200
NEXTERA ENERGY	COM	65339F101	8,336,592	112,353	SH		DFND		108,568	0	3,785
NIKE INC	CL B	654106103	5,448,636	49,367	SH		DFND		48,830	0	537
NVIDIA Corp	COM	67066G104	1,621,013	3,832	SH		DFND		3,832	0	0
Nelnet Inc	CL A	64031N108	9,894,603	102,556	SH		DFND		102,156	0	400
Neuberger Berman Funds/Closed-	COM	64124P101	204,212	19,865	SH		DFND		630	0	19,235
Norfolk Southern Corp	COM	655844108	1,749,680	7,716	SH		DFND		7,516	0	200
Novartis AG	SPONSORED ADR	66987V109	323,619	3,207	SH		DFND		2,807	0	400
Novo Holdings A/S	ADR	670100205	24,143,256	149,189	SH		DFND		146,846	0	2,343
Nuveen Closed-End Funds/USA	COM	670657105	193,581	17,711	SH		DFND		3,014	0	14,697
Nuveen Closed-End Funds/USA	COM	67066V101	146,792	13,025	SH		DFND		2,550	0	10,475
Nuveen Closed-End Funds/USA	COM	670928100	8,186,474	940,974	SH		DFND		921,974	0	19,000
OGE Energy Corp	COM	670837103	492,110	13,704	SH		DFND		13,704	0	0
ON Semiconductor Corp	COM	682189105	3,052,191	32,271	SH		DFND		32,222	0	49
ORACLE CORP	COM	68389X105	694,771	5,834	SH		DFND		5,064	0	770
Otis Worldwide Corp	COM	68902V107	426,002	4,786	SH		DFND		3,040	0	1,746
PACCAR INC	COM	693718108	9,601,096	114,777	SH		DFND		114,080	0	697
PARKER-HANNIFIN	COM	701094104	8,114,782	20,805	SH		DFND		20,705	0	100
PEPSICO INC	COM	713448108	11,601,255	62,635	SH		DFND		58,156	0	4,479
PHILIP MORRIS INTL	COM	718172109	627,599	6,429	SH		DFND		6,429	0	0
PNC Financial Services Group I	COM	693475105	360,721	2,864	SH		DFND		2,864	0	0
Paychex Inc	COM	704326107	266,698	2,384	SH		DFND		2,384	0	0
Perrigo Co PLC	SHS	G97822103	6,788,303	199,950	SH		DFND		198,600	0	1,350
Pfizer Inc	COM	717081103	9,541,788	260,136	SH		DFND		247,722	0	12,414
Pfizer Inc	CL A	98978V103	252,115	1,464	SH		DFND		1,464	0	0
Phillips 66	COM	718546104	529,454	5,551	SH		DFND		4,999	0	552
Procter & Gamble Co/The	COM	742718109	13,726,704	90,462	SH		DFND		84,270	0	6,192
PureCycle Technologies Inc	COM	74623V103	128,280	12,000	SH		DFND		12,000	0	0
QUALCOMM Inc	COM	747525103	2,423,178	20,356	SH		DFND		19,321	0	1,035
ROCKWELL AUTOMATION	COM	773903109	1,786,937	5,424	SH		DFND		4,874	0	550
ROPER INDUSTRIES INC	COM	776696106	949,099	1,974	SH		DFND		1,825	0	149
Raytheon Technologies Corp	COM	75513E101	2,149,046	21,938	SH		DFND		17,986	0	3,952
S&P Global Inc	COM	78409V104	758,484	1,892	SH		DFND		1,892	0	0
SALESFORCE.COM INC	COM	79466L302	1,777,330	8,413	SH		DFND		8,408	0	5
SANDSTORM GOLD LTD	COM NEW	80013R206	5,927,055	1,157,628	SH		DFND		1,139,608	0	18,020
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	2,264,423	27,325	SH		DFND		27,287	0	38
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	20,504,529	154,483	SH		DFND		154,292	0	191
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	12,495,939	168,477	SH		DFND		168,354	0	123
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	22,391,656	131,863	SH		DFND		131,714	0	149
SELECT SECTOR SPDR	ENERGY	81369Y506	6,899,044	84,995	SH		DFND		84,935	0	60
SELECT SECTOR SPDR	FINANCIAL	81369Y605	14,366,157	426,169	SH		DFND		425,263	0	906
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	84,273,071	484,718	SH		DFND		484,214	0	504
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	2,509,559	38,349	SH		DFND		38,291	0	58
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	1,350,586	11,018	SH		DFND		10,664	0	354
SSgA Funds Management Inc	TR UNIT	78462F103	4,069,310	9,180	SH		DFND		9,180	0	0
SSgA Funds Management Inc	COMMUNICATION	81369Y852	4,627,709	71,108	SH		DFND		70,955	0	153
STARBUCKS CORP	COM	855244109	2,648,171	26,733	SH		DFND		26,714	0	19
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	381,352	15,248	SH		DFND		0	0	15,248
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	473,163	988	SH		DFND		988	0	0
Schlumberger NV	COM STK	806857108	463,497	9,436	SH		DFND		8,936	0	500
Sealed Air Corp	COM	81211K100	322,120	8,053	SH		DFND		8,053	0	0
Southern Co/The	COM	842587107	474,328	6,752	SH		DFND		6,552	0	200
State Street Global Advisors Inc	SBI INT-INDS	81369Y704	16,661,322	155,249	SH		DFND		155,167	0	82
State Street Global Advisors Inc	RL EST SEL SEC	81369Y860	2,489,990	66,065	SH		DFND		65,971	0	94
Synopsys Inc	COM	871607107	636,569	1,462	SH		DFND		1,420	0	42
Sysco Corp	COM	871829107	9,439,205	127,213	SH		DFND		125,853	0	1,360
TEXAS INSTRUMENTS	COM	882508104	1,560,773	8,670	SH		DFND		8,610	0	60
TJX Cos Inc/The	COM	872540109	7,933,461	93,566	SH		DFND		92,716	0	850
TRACTOR SUPPLY CO	COM	892356106	1,476,506	6,678	SH		DFND		6,643	0	35
TRAVELERS CO INC	COM	89417E109	289,318	1,666	SH		DFND		1,666	0	0
Target Corp	COM	87612E106	764,228	5,794	SH		DFND		5,732	0	62
Tesla Inc	COM	88160R101	238,473	911	SH		DFND		911	0	0
Texas Pacific Land Corp	COM	88262P102	9,699,972	7,368	SH		DFND		7,323	0	45
Thermo Fisher Scientific Inc	COM	883556102	5,105,324	9,785	SH		DFND		9,578	0	207
Timken Co/The	COM	887389104	3,286,293	35,904	SH		DFND		35,904	0	0
UTD PARCEL SERV	CL B	911312106	15,588,835	86,967	SH		DFND		86,617	0	350
Ulta Beauty Inc	COM	90384S303	741,188	1,575	SH		DFND		1,575	0	0
Unilever PLC	SPON ADR NEW	904767704	2,534,300	48,615	SH		DFND		48,575	0	40
Union Pacific Corp	COM	907818108	1,451,779	7,095	SH		DFND		6,550	0	545
UnitedHealth Group Inc	COM	91324P102	6,026,264	12,538	SH		DFND		12,426	0	112
VANGUARD	S&P 500 ETF SHS	922908363	633,321	1,555	SH		DFND		1,555	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	6,015,758	147,880	SH		DFND		144,732	0	3,148
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	4,186,116	55,328	SH		DFND		55,328	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	407,077	1,848	SH		DFND		1,848	0	0
VERIZON COMMUN	COM	92343V104	5,715,211	153,676	SH		DFND		149,304	0	4,372
VISA INC	COM CL A	92826C839	3,224,978	13,580	SH		DFND		13,540	0	40
Valero Energy Corp	COM	91913Y100	1,603,256	13,668	SH		DFND		13,668	0	0
Van Kampen Funds/Closed-end/US	COM	46132C107	187,261	19,795	SH		DFND		0	0	19,795
Van Kampen Funds/Closed-end/US	COM	46133G107	127,607	13,348	SH		DFND		0	0	13,348
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	17,431,981	377,479	SH		DFND		376,685	0	794
Vanguard ETF/USA	REAL ESTATE ETF	922908553	271,654	3,251	SH		DFND		3,251	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	2,786,786	12,658	SH		DFND		12,658	0	0
Vanguard ETF/USA	SMALL CP ETF	922908751	296,744	1,492	SH		DFND		1,492	0	0
Vulcan Materials Co	COM	929160109	211,688	939	SH		DFND		439	0	500
WASTE MANAGEMENT	COM	94106L109	4,736,447	27,312	SH		DFND		27,299	0	13
WISDOMTREE ASSET MANAGEMENT INC	US LARGECAP FUND	97717W588	468,735	10,035	SH		DFND		10,035	0	0
WW Grainger Inc	COM	384802104	253,926	322	SH		DFND		322	0	0
Walgreens Boots Alliance Inc	COM	931427108	2,504,641	87,913	SH		DFND		87,913	0	0
Walmart Inc	COM	931142103	8,774,574	55,825	SH		DFND		55,716	0	109
Walt Disney Co/The	COM	254687106	3,625,839	40,612	SH		DFND		38,916	0	1,696
Western Asset Trust Closed End	COM	95766P108	227,071	19,405	SH		DFND		0	0	19,405
Western Asset Trust Closed End	COM	958435109	115,138	15,110	SH		DFND		0	0	15,110
Xcel Energy Inc	COM	98389B100	383,402	6,167	SH		DFND		6,167	0	0
YUM BRANDS INC	COM	988498101	716,304	5,170	SH		DFND		5,170	0	0
Yum China Holdings Inc	COM	98850P109	208,146	3,684	SH		DFND		3,684	0	0
ZIMMER HLDGS INC	COM	98956P102	4,519,424	31,040	SH		DFND		31,024	0	16
iShares ETFs/USA	CORE US AGGBD ET	464287226	44,023,137	449,445	SH		DFND		445,524	0	3,921
iShares ETFs/USA	7-10 YR TRSY BD	464287440	215,321	2,229	SH		DFND		2,229	0	0
iShares ETFs/USA	MSCI EAFE ETF	464287465	1,821,418	25,123	SH		DFND		24,973	0	150