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
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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	90137F202	7,448	40,000	SH		DFND		40,000	0	0
3M Co	COM	88579Y101	4,791,168	43,827	SH		DFND		43,827	0	0
ADVANCED MICRO DEV	COM	007903107	2,324,361	15,768	SH		DFND		15,768	0	0
ALPHABET INC	CAP STK CL A	02079K305	14,066,224	100,696	SH		DFND		98,922	0	1,774
ALTRIA GROUP INC	COM	02209S103	248,898	6,170	SH		DFND		6,170	0	0
AMER EXPRESS CO	COM	025816109	392,852	2,097	SH		DFND		1,797	0	300
AMETEK Inc	COM	031100100	1,331,816	8,077	SH		DFND		7,657	0	420
ANALOG DEVICES INC	COM	032654105	280,764	1,414	SH		DFND		1,069	0	345
APPLIED MATERIALS	COM	038222105	903,378	5,574	SH		DFND		4,374	0	1,200
ARISTA NETWORKS INC	COM	040413106	2,523,019	10,713	SH		DFND		10,683	0	30
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	3,458,367	4,569	SH		DFND		4,569	0	0
AT&T INC	COM	00206R102	592,703	35,322	SH		DFND		33,214	0	2,108
AUTOMATIC DATA PROCESSING	COM	053015103	11,778,963	50,560	SH		DFND		48,564	0	1,996
AUTOZONE INC	COM	053332102	2,040,046	789	SH		DFND		789	0	0
AbbVie Inc	COM	00287Y109	12,239,221	78,978	SH		DFND		74,653	0	4,325
Abbott Laboratories	COM	002824100	15,668,244	142,348	SH		DFND		138,611	0	3,737
Accenture PLC	SHS CLASS A	G1151C101	5,355,588	15,262	SH		DFND		15,018	0	244
Adobe Inc	COM	00724F101	5,272,154	8,837	SH		DFND		8,606	0	231
Aflac Inc	COM	001055102	351,285	4,258	SH		DFND		2,508	0	1,750
Air Products and Chemicals Inc	COM	009158106	5,397,145	19,712	SH		DFND		18,221	0	1,491
Akamai Technologies Inc	COM	00971T101	1,486,594	12,561	SH		DFND		12,547	0	14
Alphabet Inc	CAP STK CL C	02079K107	4,270,179	30,300	SH		DFND		28,900	0	1,400
Amazon.com Inc	COM	023135106	12,781,953	84,125	SH		DFND		83,397	0	728
American Tower Corp	COM	03027X100	4,923,791	22,808	SH		DFND		22,258	0	550
American Water Works Co Inc	COM	030420103	585,904	4,439	SH		DFND		4,339	0	100
Amgen Inc	COM	031162100	802,712	2,787	SH		DFND		2,587	0	200
Amphenol Corp	CL A	032095101	3,088,296	31,154	SH		DFND		30,830	0	324
Aon PLC	SHS CL A	G0403H108	1,003,146	3,447	SH		DFND		3,447	0	0
Apple Inc	COM	037833100	52,634,814	273,385	SH		DFND		261,927	0	11,458
AvalonBay Communities Inc	COM	053484101	372,381	1,989	SH		DFND		1,824	0	165
BAKER HUGHES INC	CL A	05722G100	5,819,316	170,255	SH		DFND		169,203	0	1,052
BALL CORP	COM	058498106	3,760,945	65,385	SH		DFND		65,185	0	200
BARRICK GOLD CORP	COM	067901108	8,043,791	444,654	SH		DFND		441,654	0	3,000
BECTON DICKINSON	COM	075887109	1,900,655	7,795	SH		DFND		7,545	0	250
BK OF AMERICA CORP	COM	060505104	3,786,663	112,464	SH		DFND		112,395	0	69
BLACKROCK FUNDS/CLOSED-END/USA	COM	09254F100	149,998	12,305	SH		DFND		0	0	12,305
BOEING CO	COM	097023105	310,968	1,193	SH		DFND		1,048	0	145
BP PLC	SPONSORED ADR	055622104	258,526	7,303	SH		DFND		6,861	0	442
BRISTOL-MYRS SQUIB	COM	110122108	1,784,100	34,771	SH		DFND		33,371	0	1,400
Bar Harbor Bankshares	COM	066849100	12,430,025	423,366	SH		DFND		11,600	0	411,766
Berkshire Hathaway Inc	CL B NEW	084670702	14,014,598	39,294	SH		DFND		37,885	0	1,409
BlackRock Fund Advisors	CORE S&P TTL STK	464287150	5,701,362	54,180	SH		DFND		54,180	0	0
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	2,026,237	26,891	SH		DFND		26,741	0	150
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	500,503	6,439	SH		DFND		6,439	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	24,319,358	87,748	SH		DFND		87,356	0	392
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	441,810	5,577	SH		DFND		5,577	0	0
BlackRock Fund Advisors	RUS 1000 ETF	464287622	215,578	822	SH		DFND		822	0	0
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	238,686	2,093	SH		DFND		2,093	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	22,197,962	205,062	SH		DFND		202,983	0	2,079
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	17,480,736	336,168	SH		DFND		332,424	0	3,744
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	19,761,387	385,400	SH		DFND		382,768	0	2,632
BlackRock Fund Advisors	PFD AND INCM SEC	464288687	386,101	12,379	SH		DFND		10,879	0	1,500
BlackRock Fund Advisors	MSCI USA ESG SLC	464288802	208,357	2,073	SH		DFND		1,873	0	200
BlackRock Funds/Closed-End/USA	COM	09253X102	158,595	13,625	SH		DFND		0	0	13,625
BlackRock Inc	COM	09247X101	885,674	1,091	SH		DFND		1,091	0	0
Blackstone Inc	COM	09260D107	360,685	2,755	SH		DFND		2,755	0	0
Booking Holdings Inc	COM	09857L108	2,752,643	776	SH		DFND		776	0	0
Booz Allen Hamilton Holding Co	CL A	099502106	10,276,161	80,339	SH		DFND		79,864	0	475
Broadcom Inc	COM	11135F101	646,309	579	SH		DFND		119	0	460
Brown & Brown Inc	COM	115236101	11,618,308	163,385	SH		DFND		162,335	0	1,050
CARRIER GLOBAL CORP	COM	14448C104	565,538	9,844	SH		DFND		6,350	0	3,494
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	456,780	6,000	SH		DFND		6,000	0	0
CHUBB LIMITED COM	COM	H1467J104	4,997,538	22,113	SH		DFND		21,265	0	848
CINTAS CORP	COM	172908105	721,986	1,198	SH		DFND		1,198	0	0
CISCO SYSTEMS	COM	17275R102	4,521,844	89,506	SH		DFND		86,836	0	2,670
COLGATE-PALMOLIVE	COM	194162103	11,465,247	143,837	SH		DFND		143,837	0	0
CONOCOPHILLIPS	COM	20825C104	361,210	3,112	SH		DFND		2,622	0	490
CSX CORP	COM	126408103	2,732,620	78,818	SH		DFND		66,818	0	12,000
CVS Health Corp	COM	126650100	588,568	7,454	SH		DFND		7,154	0	300
Camden National Corp	COM	133034108	352,142	9,358	SH		DFND		9,358	0	0
Caterpillar Inc	COM	149123101	15,426,287	52,174	SH		DFND		52,174	0	0
Chevron Corp	COM	166764100	15,216,855	102,017	SH		DFND		100,813	0	1,204
Church & Dwight Co Inc	COM	171340102	214,178	2,265	SH		DFND		2,265	0	0
Cigna Group/The	COM	125523100	224,288	749	SH		DFND		328	0	421
Clorox Co/The	COM	189054109	342,929	2,405	SH		DFND		2,405	0	0
Coca-Cola Co/The	COM	191216100	3,865,042	65,587	SH		DFND		62,687	0	2,900
Comcast Corp	CL A	20030N101	3,558,690	81,156	SH		DFND		78,718	0	2,438
Consolidated Edison Inc	COM	209115104	296,927	3,264	SH		DFND		3,164	0	100
Costco Wholesale Corp	COM	22160K105	24,880,395	37,693	SH		DFND		37,515	0	178
DEERE & CO	COM	244199105	693,374	1,734	SH		DFND		1,684	0	50
DENTSPLY SIRONA	COM	24906P109	4,931,493	138,564	SH		DFND		138,564	0	0
DOMINION RES(VIR)	COM	25746U109	865,270	18,410	SH		DFND		17,395	0	1,015
DTE Energy Co	COM	233331107	203,871	1,849	SH		DFND		1,849	0	0
DUKE ENERGY CORP	COM NEW	26441C204	363,027	3,741	SH		DFND		3,341	0	400
Danaher Corp	COM	235851102	7,084,556	30,624	SH		DFND		30,008	0	616
Dollar Tree Inc	COM	256746108	1,298,763	9,143	SH		DFND		9,132	0	11
Dover Corp	COM	260003108	550,486	3,579	SH		DFND		3,299	0	280
Dow Inc	COM	260557103	1,043,112	19,021	SH		DFND		18,573	0	448
Dreyfus Funds/Closed-end/USA	COM SHS	09662W109	124,493	12,075	SH		DFND		0	0	12,075
DuPont de Nemours Inc	COM	26614N102	1,024,015	13,311	SH		DFND		12,863	0	448
ECOLAB INC	COM	278865100	817,797	4,123	SH		DFND		4,123	0	0
EMERSON ELECTRIC	COM	291011104	6,379,982	65,550	SH		DFND		65,550	0	0
EQUINIX INC	COM	29444U700	2,121,398	2,634	SH		DFND		2,620	0	14
EQUITY COMMONWEALTH	6.5% CNV PFD D	294628201	5,578,684	221,993	SH		DFND		218,243	0	3,750
Eaton Corp PLC	SHS	G29183103	3,041,075	12,628	SH		DFND		11,793	0	835
Eaton Vance Management	SH BEN INT	27826U108	131,716	13,413	SH		DFND		0	0	13,413
Elevance Health Inc	COM	036752103	275,863	585	SH		DFND		585	0	0
Eli Lilly & Co	COM	532457108	45,970,820	78,863	SH		DFND		78,863	0	0
Essential Utilities Inc	COM	29670G102	230,337	6,167	SH		DFND		6,167	0	0
Eversource Energy	COM	30040W108	232,746	3,771	SH		DFND		3,771	0	0
Exxon Mobil Corp	COM	30231G102	17,242,051	172,455	SH		DFND		164,525	0	7,930
FEDEX CORP	COM	31428X106	3,692,856	14,598	SH		DFND		14,589	0	9
FMC Corp	COM NEW	302491303	273,133	4,332	SH		DFND		4,332	0	0
First American Financial Corp	COM	31847R102	2,673,229	41,484	SH		DFND		41,484	0	0
First Bancorp Inc/The	COM	31866P102	295,802	10,482	SH		DFND		10,482	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	1,943,980	25,142	SH		DFND		24,946	0	196
GENERAL MILLS INC	COM	370334104	1,168,612	17,940	SH		DFND		16,660	0	1,280
GSK PLC	SPONSORED ADR	37733W204	2,486,429	67,092	SH		DFND		67,092	0	0
General Electric Co	COM NEW	369604301	484,866	3,799	SH		DFND		3,211	0	588
Genuine Parts Co	COM	372460105	754,133	5,445	SH		DFND		5,445	0	0
Gilead Sciences Inc	COM	375558103	325,499	4,018	SH		DFND		3,518	0	500
Harbor ETF Trust	SCIENTIFIC HIGH	41151J109	220,599	4,876	SH		DFND		1,472	0	3,404
Hewlett Packard Enterprise Co	COM	42824C109	172,296	10,147	SH		DFND		10,147	0	0
Home Depot Inc/The	COM	437076102	8,904,949	25,696	SH		DFND		25,107	0	589
Honeywell International Inc	COM	438516106	1,194,088	5,694	SH		DFND		4,894	0	800
Huntington Ingalls Industries	COM	446413106	9,779,600	37,666	SH		DFND		37,666	0	0
ILLINOIS TOOL WKS	COM	452308109	1,551,995	5,925	SH		DFND		4,960	0	965
INTERCONTINENTAL EXCHANGE	COM	45866F104	3,887,448	30,269	SH		DFND		29,742	0	527
INTL BUSINESS MCHN	COM	459200101	11,551,210	70,628	SH		DFND		70,600	0	28
ISHARES	MSCI STH AFR ETF	464286780	669,685	16,025	SH		DFND		16,025	0	0
ISHARES	SELECT DIVID ETF	464287168	865,904	7,387	SH		DFND		7,387	0	0
ISHARES	CORE S&P500 ETF	464287200	45,296,519	94,836	SH		DFND		94,345	0	491
ISHARES	IBOXX INV CP ETF	464287242	5,753,435	51,992	SH		DFND		51,526	0	466
ISHARES	S&P 500 GRWT ETF	464287309	660,730	8,798	SH		DFND		8,278	0	520
ISHARES	ISHARES BIOTECH	464287556	1,984,769	14,610	SH		DFND		14,541	0	69
ISHARES	RUSSELL 2000 ETF	464287655	519,036	2,586	SH		DFND		2,586	0	0
ISHARES	CORE MSCI EAFE	46432F842	273,873	3,893	SH		DFND		3,893	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	1,244,259	30,944	SH		DFND		30,194	0	750
ISHARES TRUST	TIPS BD ETF	464287176	842,722	7,840	SH		DFND		7,605	0	235
ISHARES TRUST	GLOBAL 100 ETF	464287572	287,456	3,570	SH		DFND		3,570	0	0
ISHARES TRUST	GL CLEAN ENE ETF	464288224	184,006	11,818	SH		DFND		11,818	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	628,020	8,115	SH		DFND		8,115	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	224,877	1,797	SH		DFND		1,797	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	356,452	3,288	SH		DFND		3,288	0	0
Intel Corp	COM	458140100	3,802,820	75,678	SH		DFND		73,378	0	2,300
Invesco ETFs/USA	UNIT SER 1	46090E103	14,116,564	34,471	SH		DFND		34,471	0	0
JPMorgan Chase & Co	COM	46625H100	14,662,790	86,201	SH		DFND		85,227	0	974
Johnson & Johnson	COM	478160104	37,909,920	241,865	SH		DFND		235,157	0	6,708
KIMBERLY-CLARK CP	COM	494368103	1,109,629	9,132	SH		DFND		9,132	0	0
KLA Corp	COM NEW	482480100	279,024	480	SH		DFND		480	0	0
KRAFT FOODS INC	CL A	609207105	344,043	4,750	SH		DFND		4,750	0	0
Kellanova	COM	487836108	762,556	13,639	SH		DFND		12,839	0	800
Kinder Morgan Inc	COM	49456B101	3,188,413	180,749	SH		DFND		180,048	0	701
L3Harris Technologies Inc	COM	502431109	4,060,543	19,279	SH		DFND		19,252	0	27
LEGG MASON PARTNERS FUND ADVISOR LLC	COM	95766M105	423,906	41,682	SH		DFND		0	0	41,682
LOWE'S COS INC	COM	548661107	2,259,995	10,155	SH		DFND		9,935	0	220
Lam Research Corp	COM	512807108	4,472,415	5,710	SH		DFND		5,705	0	5
Linde PLC	SHS	G54950103	864,545	2,105	SH		DFND		1,990	0	115
Lockheed Martin Corp	COM	539830109	1,061,942	2,343	SH		DFND		2,343	0	0
M&T Bank Corp	COM	55261F104	329,541	2,404	SH		DFND		2,345	0	59
MARSH & MCLENNAN	COM	571748102	833,479	4,399	SH		DFND		4,275	0	124
MASTERCARD INC	CL A	57636Q104	7,903,657	18,531	SH		DFND		18,435	0	96
MCDONALD'S CORP	COM	580135101	5,196,041	17,524	SH		DFND		15,799	0	1,725
MICROSOFT CORP	COM	594918104	32,307,853	85,916	SH		DFND		80,558	0	5,358
MOODYS CORP	COM	615369105	540,144	1,383	SH		DFND		1,383	0	0
Marathon Petroleum Corp	COM	56585A102	718,211	4,841	SH		DFND		4,841	0	0
Medtronic PLC	SHS	G5960L103	9,455,082	114,774	SH		DFND		114,149	0	625
Merck & Co Inc	COM	58933Y105	14,979,675	137,403	SH		DFND		135,198	0	2,205
Microchip Technology Inc	COM	595017104	216,432	2,400	SH		DFND		200	0	2,200
NEXTERA ENERGY	COM	65339F101	6,292,057	103,590	SH		DFND		100,325	0	3,265
NIKE INC	CL B	654106103	5,112,669	47,091	SH		DFND		46,554	0	537
NVIDIA Corp	COM	67066G104	2,026,936	4,093	SH		DFND		4,018	0	75
NVR Inc	COM	62944T105	210,014	30	SH		DFND		30	0	0
Nelnet Inc	CL A	64031N108	9,350,614	105,992	SH		DFND		105,492	0	500
Neuberger Berman Funds/Closed-	COM	64124P101	205,603	19,865	SH		DFND		630	0	19,235
Noble Holding Corp PLC	ORD SHS A	G65431127	4,528,100	94,022	SH		DFND		94,022	0	0
Norfolk Southern Corp	COM	655844108	1,661,515	7,029	SH		DFND		6,829	0	200
Novartis AG	SPONSORED ADR	66987V109	355,415	3,520	SH		DFND		3,120	0	400
Novo Holdings A/S	ADR	670100205	26,335,060	254,568	SH		DFND		249,882	0	4,686
Nuveen Closed-End Funds/USA	COM	670657105	194,821	17,711	SH		DFND		3,014	0	14,697
Nuveen Closed-End Funds/USA	COM	67066V101	149,137	13,025	SH		DFND		2,550	0	10,475
Nuveen Closed-End Funds/USA	COM	670928100	4,961,246	576,889	SH		DFND		561,889	0	15,000
OGE Energy Corp	COM	670837103	478,681	13,704	SH		DFND		13,704	0	0
ON Semiconductor Corp	COM	682189105	2,859,149	34,229	SH		DFND		34,180	0	49
ORACLE CORP	COM	68389X105	555,616	5,270	SH		DFND		4,620	0	650
Otis Worldwide Corp	COM	68902V107	446,098	4,986	SH		DFND		3,240	0	1,746
PACCAR INC	COM	693718108	6,407,402	65,616	SH		DFND		65,594	0	22
PARKER-HANNIFIN	COM	701094104	9,298,769	20,184	SH		DFND		20,084	0	100
PEPSICO INC	COM	713448108	10,829,678	63,764	SH		DFND		60,445	0	3,319
PHILIP MORRIS INTL	COM	718172109	463,720	4,929	SH		DFND		4,929	0	0
PNC Financial Services Group I	COM	693475105	438,226	2,830	SH		DFND		2,830	0	0
Palo Alto Networks Inc	COM	697435105	1,447,566	4,909	SH		DFND		4,904	0	5
Paychex Inc	COM	704326107	266,092	2,234	SH		DFND		2,234	0	0
Pfizer Inc	COM	717081103	6,281,114	218,170	SH		DFND		208,675	0	9,495
Pfizer Inc	CL A	98978V103	288,950	1,464	SH		DFND		1,464	0	0
Phillips 66	COM	718546104	672,490	5,051	SH		DFND		4,826	0	225
Procter & Gamble Co/The	COM	742718109	12,602,733	86,002	SH		DFND		80,905	0	5,097
PureCycle Technologies Inc	COM	74623V103	52,650	13,000	SH		DFND		13,000	0	0
QUALCOMM Inc	COM	747525103	782,449	5,410	SH		DFND		4,385	0	1,025
ROCKWELL AUTOMATION	COM	773903109	1,408,338	4,536	SH		DFND		3,986	0	550
ROPER INDUSTRIES INC	COM	776696106	605,683	1,111	SH		DFND		991	0	120
RTX Corp	COM	75513E101	1,875,565	22,291	SH		DFND		18,339	0	3,952
S&P Global Inc	COM	78409V104	1,029,055	2,336	SH		DFND		1,836	0	500
SALESFORCE.COM INC	COM	79466L302	3,496,867	13,289	SH		DFND		13,284	0	5
SANDSTORM GOLD LTD	COM NEW	80013R206	5,916,523	1,176,247	SH		DFND		1,158,227	0	18,020
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	3,890,787	45,485	SH		DFND		45,460	0	25
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	20,846,774	152,858	SH		DFND		152,543	0	315
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	12,231,846	169,816	SH		DFND		169,696	0	120
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	23,457,011	131,184	SH		DFND		131,033	0	151
SELECT SECTOR SPDR	ENERGY	81369Y506	7,133,107	85,080	SH		DFND		85,025	0	55
SELECT SECTOR SPDR	FINANCIAL	81369Y605	15,928,789	423,638	SH		DFND		422,782	0	856
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	92,559,783	480,880	SH		DFND		480,379	0	501
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	4,557,037	71,957	SH		DFND		71,870	0	87
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	1,361,298	10,893	SH		DFND		10,539	0	354
SSgA Funds Management Inc	COMMUNICATION	81369Y852	5,170,558	71,161	SH		DFND		71,027	0	134
STARBUCKS CORP	COM	855244109	2,847,369	29,657	SH		DFND		29,638	0	19
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	385,774	15,248	SH		DFND		0	0	15,248
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	347,555	685	SH		DFND		395	0	290
Schlumberger NV	COM STK	806857108	491,049	9,436	SH		DFND		8,936	0	500
Southern Co/The	COM	842587107	452,414	6,452	SH		DFND		6,252	0	200
State Street ETF/USA	TR UNIT	78462F103	4,503,562	9,475	SH		DFND		9,320	0	155
State Street Global Advisors Inc	INDL	81369Y704	17,709,486	155,360	SH		DFND		155,280	0	80
State Street Global Advisors Inc	RL EST SEL SEC	81369Y860	2,736,579	68,312	SH		DFND		68,212	0	100
Synopsys Inc	COM	871607107	282,171	548	SH		DFND		548	0	0
Sysco Corp	COM	871829107	9,374,901	128,195	SH		DFND		125,484	0	2,711
TEXAS INSTRUMENTS	COM	882508104	1,484,365	8,708	SH		DFND		8,348	0	360
TJX Cos Inc/The	COM	872540109	8,918,985	95,075	SH		DFND		94,225	0	850
TRACTOR SUPPLY CO	COM	892356106	1,277,493	5,941	SH		DFND		5,906	0	35
TRAVELERS CO INC	COM	89417E109	317,356	1,666	SH		DFND		1,666	0	0
Target Corp	COM	87612E106	797,552	5,600	SH		DFND		5,538	0	62
Tesla Inc	COM	88160R101	226,366	911	SH		DFND		911	0	0
Texas Pacific Land Corp	COM	88262P102	11,843,693	7,532	SH		DFND		7,487	0	45
Thermo Fisher Scientific Inc	COM	883556102	4,670,421	8,799	SH		DFND		8,592	0	207
Timken Co/The	COM	887389104	2,877,706	35,904	SH		DFND		35,904	0	0
UTD PARCEL SERV	CL B	911312106	13,658,884	86,872	SH		DFND		86,522	0	350
Ulta Beauty Inc	COM	90384S303	1,281,814	2,616	SH		DFND		2,616	0	0
Unilever PLC	SPON ADR NEW	904767704	2,442,568	50,383	SH		DFND		50,343	0	40
Union Pacific Corp	COM	907818108	1,809,974	7,369	SH		DFND		6,824	0	545
UnitedHealth Group Inc	COM	91324P102	6,698,804	12,724	SH		DFND		12,612	0	112
VANGUARD	S&P 500 ETF SHS	922908363	650,832	1,490	SH		DFND		1,490	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	5,902,988	143,625	SH		DFND		140,499	0	3,126
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	5,510,291	71,220	SH		DFND		71,220	0	0
VANGUARD ETF/USA	INT-TERM CORP	92206C870	323,657	3,982	SH		DFND		3,982	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	432,927	1,825	SH		DFND		1,825	0	0
VERIZON COMMUN	COM	92343V104	5,650,212	149,873	SH		DFND		145,018	0	4,855
VISA INC	COM CL A	92826C839	3,202,565	12,301	SH		DFND		12,161	0	140
Valero Energy Corp	COM	91913Y100	1,776,840	13,668	SH		DFND		13,668	0	0
Van Kampen Funds/Closed-end/US	COM	46132C107	190,230	19,795	SH		DFND		0	0	19,795
Van Kampen Funds/Closed-end/US	COM	46133G107	126,939	13,348	SH		DFND		0	0	13,348
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	18,088,860	377,638	SH		DFND		376,957	0	681
Vanguard ETF/USA	REAL ESTATE ETF	922908553	278,423	3,151	SH		DFND		3,151	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	2,954,993	12,702	SH		DFND		12,673	0	29
Vanguard ETF/USA	SMALL CP ETF	922908751	383,781	1,799	SH		DFND		1,799	0	0
Vulcan Materials Co	COM	929160109	213,162	939	SH		DFND		439	0	500
WASTE MANAGEMENT	COM	94106L109	4,716,241	26,333	SH		DFND		26,320	0	13
WISDOMTREE ASSET MANAGEMENT INC	US LARGECAP FUND	97717W588	385,184	7,686	SH		DFND		7,686	0	0
WW Grainger Inc	COM	384802104	266,838	322	SH		DFND		322	0	0
Walgreens Boots Alliance Inc	COM	931427108	2,222,170	85,108	SH		DFND		85,108	0	0
Walmart Inc	COM	931142103	8,869,704	56,262	SH		DFND		56,153	0	109
Walt Disney Co/The	COM	254687106	3,911,544	43,322	SH		DFND		41,376	0	1,946
Western Asset Trust Closed End	COM	958435109	116,347	15,110	SH		DFND		0	0	15,110
Xcel Energy Inc	COM	98389B100	352,206	5,689	SH		DFND		5,689	0	0
YUM BRANDS INC	COM	988498101	668,979	5,120	SH		DFND		5,120	0	0
ZIMMER HLDGS INC	COM	98956P102	3,237,950	26,606	SH		DFND		26,590	0	16
iShares ETFs/USA	CORE US AGGBD ET	464287226	49,217,778	495,897	SH		DFND		492,856	0	3,041