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 NEW	90137F202	4,800	40,000	SH		DFND	NONE	40,000	0	0
3M Co	COM	88579Y101	3,904,649	36,812	SH		DFND	NONE	36,812	0	0
ADVANCED MICRO DEV	COM	007903107	3,207,849	17,773	SH		DFND	NONE	17,767	0	6
ALPHABET INC	CAP STK CL A	02079K305	15,811,578	104,761	SH		DFND	NONE	103,387	0	1,374
ALTRIA GROUP INC	COM	02209S103	250,815	5,750	SH		DFND	NONE	5,750	0	0
AMER EXPRESS CO	COM	025816109	616,812	2,709	SH		DFND	NONE	2,409	0	300
AMETEK Inc	COM	031100100	1,438,143	7,863	SH		DFND	NONE	7,443	0	420
ANALOG DEVICES INC	COM	032654105	362,945	1,835	SH		DFND	NONE	1,490	0	345
APPLIED MATERIALS	COM	038222105	1,771,516	8,590	SH		DFND	NONE	7,390	0	1,200
ARISTA NETWORKS INC	COM	040413106	3,326,941	11,473	SH		DFND	NONE	11,439	0	34
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	4,423,402	4,558	SH		DFND	NONE	4,558	0	0
AT&T INC	COM	00206R102	621,667	35,322	SH		DFND	NONE	33,214	0	2,108
AUTOMATIC DATA PROCESSING	COM	053015103	12,326,417	49,357	SH		DFND	NONE	47,361	0	1,996
AUTOZONE INC	COM	053332102	2,467,742	783	SH		DFND	NONE	783	0	0
AbbVie Inc	COM	00287Y109	14,562,355	79,969	SH		DFND	NONE	76,569	0	3,400
Abbott Laboratories	COM	002824100	16,203,142	142,558	SH		DFND	NONE	138,821	0	3,737
Accenture PLC	SHS CLASS A	G1151C101	5,325,663	15,365	SH		DFND	NONE	15,121	0	244
Adobe Inc	COM	00724F101	4,963,246	9,836	SH		DFND	NONE	9,607	0	229
Aflac Inc	COM	001055102	380,532	4,432	SH		DFND	NONE	3,582	0	850
Air Products and Chemicals Inc	COM	009158106	2,628,145	10,848	SH		DFND	NONE	10,149	0	699
Akamai Technologies Inc	COM	00971T101	1,675,339	15,404	SH		DFND	NONE	15,390	0	14
Allstate Corp/The	COM	020002101	257,439	1,488	SH		DFND	NONE	863	0	625
Alphabet Inc	CAP STK CL C	02079K107	4,591,857	30,158	SH		DFND	NONE	28,758	0	1,400
Amazon.com Inc	COM	023135106	15,621,630	86,604	SH		DFND	NONE	85,876	0	728
American Tower Corp	COM	03027X100	4,695,529	23,764	SH		DFND	NONE	23,214	0	550
American Water Works Co Inc	COM	030420103	433,723	3,549	SH		DFND	NONE	3,449	0	100
Amgen Inc	COM	031162100	775,341	2,727	SH		DFND	NONE	2,527	0	200
Amphenol Corp	CL A	032095101	3,588,654	31,111	SH		DFND	NONE	30,795	0	316
Aon PLC	SHS CL A	G0403H108	647,751	1,941	SH		DFND	NONE	1,941	0	0
Apple Inc	COM	037833100	46,204,772	269,447	SH		DFND	NONE	258,829	0	10,618
BAKER HUGHES INC	CL A	05722G100	5,559,794	165,964	SH		DFND	NONE	164,912	0	1,052
BALL CORP	COM	058498106	4,404,334	65,385	SH		DFND	NONE	65,185	0	200
BARRICK GOLD CORP	COM	067901108	6,350,673	381,651	SH		DFND	NONE	378,651	0	3,000
BECTON DICKINSON	COM	075887109	1,467,873	5,932	SH		DFND	NONE	5,932	0	0
BK OF AMERICA CORP	COM	060505104	4,470,048	117,881	SH		DFND	NONE	117,812	0	69
BK OF NY MELLON CP	COM	064058100	284,297	4,934	SH		DFND	NONE	3,734	0	1,200
BLACKROCK FUNDS/CLOSED-END/USA	COM	09254F100	150,736	12,305	SH		DFND	NONE	0	0	12,305
BP PLC	SPONSORED ADR	055622104	275,177	7,303	SH		DFND	NONE	6,861	0	442
BRISTOL-MYRS SQUIB	COM	110122108	2,297,345	42,363	SH		DFND	NONE	40,963	0	1,400
Bar Harbor Bankshares	COM	066849100	11,137,276	420,592	SH		DFND	NONE	11,600	0	408,992
Berkshire Hathaway Inc	CL B NEW	084670702	16,234,595	38,606	SH		DFND	NONE	37,839	0	767
BlackRock Funds/Closed-End/USA	COM	09253X102	164,318	13,625	SH		DFND	NONE	0	0	13,625
BlackRock Inc	COM	09247X101	1,135,499	1,362	SH		DFND	NONE	1,362	0	0
Blackstone Inc	COM	09260D107	324,353	2,469	SH		DFND	NONE	2,469	0	0
Booking Holdings Inc	COM	09857L108	2,807,979	774	SH		DFND	NONE	774	0	0
Booz Allen Hamilton Holding Co	CL A	099502106	12,007,015	80,888	SH		DFND	NONE	80,413	0	475
Broadcom Inc	COM	11135F101	825,730	623	SH		DFND	NONE	163	0	460
Brown & Brown Inc	COM	115236101	14,321,194	163,596	SH		DFND	NONE	162,546	0	1,050
CARRIER GLOBAL CORP	COM	14448C104	837,305	14,404	SH		DFND	NONE	10,910	0	3,494
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	322,520	4,000	SH		DFND	NONE	4,000	0	0
CHUBB LIMITED COM	COM	H1467J104	5,786,632	22,331	SH		DFND	NONE	21,486	0	845
CINTAS CORP	COM	172908105	772,909	1,125	SH		DFND	NONE	1,125	0	0
CISCO SYSTEMS	COM	17275R102	4,707,611	94,322	SH		DFND	NONE	93,681	0	641
COLGATE-PALMOLIVE	COM	194162103	12,480,750	138,598	SH		DFND	NONE	138,598	0	0
CONOCOPHILLIPS	COM	20825C104	623,163	4,896	SH		DFND	NONE	4,406	0	490
CSX CORP	COM	126408103	2,894,537	78,083	SH		DFND	NONE	66,083	0	12,000
CVS Health Corp	COM	126650100	679,715	8,522	SH		DFND	NONE	8,522	0	0
Caterpillar Inc	COM	149123101	18,556,015	50,640	SH		DFND	NONE	50,640	0	0
Chevron Corp	COM	166764100	15,683,457	99,426	SH		DFND	NONE	98,222	0	1,204
Church & Dwight Co Inc	COM	171340102	236,262	2,265	SH		DFND	NONE	2,265	0	0
Cigna Group/The	COM	125523100	539,700	1,486	SH		DFND	NONE	1,365	0	121
Clorox Co/The	COM	189054109	384,459	2,511	SH		DFND	NONE	2,511	0	0
Coca-Cola Co/The	COM	191216100	4,106,646	67,124	SH		DFND	NONE	66,824	0	300
Comcast Corp	CL A	20030N101	3,602,515	83,103	SH		DFND	NONE	80,665	0	2,438
Consolidated Edison Inc	COM	209115104	264,620	2,914	SH		DFND	NONE	2,814	0	100
Costco Wholesale Corp	COM	22160K105	27,656,783	37,750	SH		DFND	NONE	37,572	0	178
DEERE & CO	COM	244199105	674,846	1,643	SH		DFND	NONE	1,593	0	50
DENTSPLY SIRONA	COM	24906P109	4,658,183	140,349	SH		DFND	NONE	140,349	0	0
DOMINION RES(VIR)	COM	25746U109	746,557	15,177	SH		DFND	NONE	14,162	0	1,015
DTE Energy Co	COM	233331107	207,347	1,849	SH		DFND	NONE	1,849	0	0
DUKE ENERGY CORP	COM NEW	26441C204	435,872	4,507	SH		DFND	NONE	4,507	0	0
Danaher Corp	COM	235851102	7,729,333	30,952	SH		DFND	NONE	30,536	0	416
Dollar Tree Inc	COM	256746108	244,863	1,839	SH		DFND	NONE	1,839	0	0
Dover Corp	COM	260003108	621,760	3,509	SH		DFND	NONE	3,229	0	280
Dow Inc	COM	260557103	1,101,771	19,019	SH		DFND	NONE	18,571	0	448
Dreyfus Funds/Closed-end/USA	COM SHS	09662W109	125,459	12,075	SH		DFND	NONE	0	0	12,075
DuPont de Nemours Inc	COM	26614N102	985,593	12,855	SH		DFND	NONE	12,407	0	448
ECOLAB INC	COM	278865100	1,106,935	4,794	SH		DFND	NONE	4,794	0	0
EMERSON ELECTRIC	COM	291011104	8,354,517	73,660	SH		DFND	NONE	73,660	0	0
EQUINIX INC	COM	29444U700	3,019,057	3,658	SH		DFND	NONE	3,644	0	14
EQUITY COMMONWEALTH	6.5% CNV PFD D	294628201	5,571,975	222,879	SH		DFND	NONE	219,129	0	3,750
Eaton Corp PLC	SHS	G29183103	4,047,643	12,945	SH		DFND	NONE	12,941	0	4
Eaton Vance Management	SH BEN INT	27826U108	137,483	13,413	SH		DFND	NONE	0	0	13,413
Elevance Health Inc	COM	036752103	291,419	562	SH		DFND	NONE	562	0	0
Eli Lilly & Co	COM	532457108	60,796,018	78,148	SH		DFND	NONE	78,148	0	0
Equity LifeStyle Properties In	COM	29472R108	4,076,971	63,307	SH		DFND	NONE	63,307	0	0
Eversource Energy	COM	30040W108	274,344	4,590	SH		DFND	NONE	4,590	0	0
Exxon Mobil Corp	COM	30231G102	19,755,802	169,957	SH		DFND	NONE	162,678	0	7,279
FEDEX CORP	COM	31428X106	4,420,853	15,258	SH		DFND	NONE	15,249	0	9
FMC Corp	COM NEW	302491303	241,550	3,792	SH		DFND	NONE	3,792	0	0
First American Financial Corp	COM	31847R102	7,995,535	130,967	SH		DFND	NONE	130,967	0	0
First Bancorp Inc/The	COM	31866P102	258,276	10,482	SH		DFND	NONE	10,482	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	2,408,297	26,491	SH		DFND	NONE	26,281	0	210
GEN DYNAMICS CORP	COM	369550108	256,218	907	SH		DFND	NONE	907	0	0
GENERAL MILLS INC	COM	370334104	1,236,300	17,669	SH		DFND	NONE	16,389	0	1,280
GSK PLC	SPONSORED ADR	37733W204	2,876,234	67,092	SH		DFND	NONE	67,092	0	0
General Electric Co	COM NEW	369604301	626,116	3,567	SH		DFND	NONE	2,979	0	588
Genuine Parts Co	COM	372460105	822,678	5,310	SH		DFND	NONE	5,310	0	0
Gilead Sciences Inc	COM	375558103	276,006	3,768	SH		DFND	NONE	3,268	0	500
Hanover Insurance Group Inc/Th	COM	410867105	201,532	1,480	SH		DFND	NONE	1,480	0	0
Harbor ETF Trust	SCIENTIFIC HIGH	41151J109	221,931	4,876	SH		DFND	NONE	1,472	0	3,404
Hartford Financial Services Gr	COM	416515104	228,874	2,221	SH		DFND	NONE	1,400	0	821
Home Depot Inc/The	COM	437076102	10,328,430	26,925	SH		DFND	NONE	26,336	0	589
Honeywell International Inc	COM	438516106	1,002,236	4,883	SH		DFND	NONE	4,083	0	800
Huntington Ingalls Industries	COM	446413106	11,081,106	38,018	SH		DFND	NONE	38,018	0	0
ILLINOIS TOOL WKS	COM	452308109	1,513,918	5,642	SH		DFND	NONE	5,642	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	4,093,627	29,787	SH		DFND	NONE	29,260	0	527
INTL BUSINESS MCHN	COM	459200101	14,103,351	73,855	SH		DFND	NONE	73,827	0	28
ISHARES	MSCI STH AFR ETF	464286780	627,073	16,009	SH		DFND	NONE	16,009	0	0
ISHARES	SELECT DIVID ETF	464287168	909,931	7,387	SH		DFND	NONE	7,387	0	0
ISHARES	CORE S&P500 ETF	464287200	51,085,184	97,170	SH		DFND	NONE	96,734	0	436
ISHARES	IBOXX INV CP ETF	464287242	5,205,069	47,788	SH		DFND	NONE	47,322	0	466
ISHARES	S&P 500 GRWT ETF	464287309	682,360	8,081	SH		DFND	NONE	8,081	0	0
ISHARES	ISHARES BIOTECH	464287556	2,212,673	16,125	SH		DFND	NONE	16,056	0	69
ISHARES	RUSSELL 2000 ETF	464287655	501,776	2,386	SH		DFND	NONE	2,386	0	0
ISHARES	CORE MSCI EAFE	46432F842	416,077	5,606	SH		DFND	NONE	5,606	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	1,249,284	30,411	SH		DFND	NONE	29,661	0	750
ISHARES TRUST	TIPS BD ETF	464287176	612,881	5,706	SH		DFND	NONE	5,471	0	235
ISHARES TRUST	GLOBAL 100 ETF	464287572	319,194	3,570	SH		DFND	NONE	3,570	0	0
ISHARES TRUST	GL CLEAN ENE ETF	464288224	166,460	11,907	SH		DFND	NONE	11,907	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	591,214	7,606	SH		DFND	NONE	7,606	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	226,817	1,735	SH		DFND	NONE	1,735	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	383,809	3,567	SH		DFND	NONE	3,567	0	0
Intel Corp	COM	458140100	2,798,346	63,354	SH		DFND	NONE	62,554	0	800
Invesco ETFs/USA	UNIT SER 1	46090E103	14,999,102	33,781	SH		DFND	NONE	33,781	0	0
Invesco ETFs/USA	S&P500 EQL WGT	46137V357	212,898	1,257	SH		DFND	NONE	1,257	0	0
JPMorgan Chase & Co	COM	46625H100	17,777,226	88,753	SH		DFND	NONE	88,045	0	708
Johnson & Johnson	COM	478160104	37,339,959	236,045	SH		DFND	NONE	229,337	0	6,708
KIMBERLY-CLARK CP	COM	494368103	1,175,145	9,085	SH		DFND	NONE	9,085	0	0
KLA Corp	COM NEW	482480100	335,314	480	SH		DFND	NONE	480	0	0
Kinder Morgan Inc	COM	49456B101	3,306,335	180,280	SH		DFND	NONE	179,579	0	701
L3Harris Technologies Inc	COM	502431109	4,140,320	19,429	SH		DFND	NONE	19,402	0	27
LEGG MASON PARTNERS FUND ADVISOR LLC	COM	95766M105	435,577	41,682	SH		DFND	NONE	0	0	41,682
LOWE'S COS INC	COM	548661107	2,473,683	9,711	SH		DFND	NONE	9,491	0	220
Lam Research Corp	COM	512807108	5,619,561	5,784	SH		DFND	NONE	5,782	0	2
Linde PLC	SHS	G54950103	829,740	1,787	SH		DFND	NONE	1,672	0	115
Lockheed Martin Corp	COM	539830109	993,891	2,185	SH		DFND	NONE	2,185	0	0
M&T Bank Corp	COM	55261F104	349,638	2,404	SH		DFND	NONE	2,345	0	59
MARSH & MCLENNAN	COM	571748102	1,068,624	5,188	SH		DFND	NONE	5,064	0	124
MASTERCARD INC	CL A	57636Q104	8,757,350	18,185	SH		DFND	NONE	18,089	0	96
MCDONALD'S CORP	COM	580135101	5,124,441	18,175	SH		DFND	NONE	16,525	0	1,650
MCKESSON CORP	COM	58155Q103	213,129	397	SH		DFND	NONE	397	0	0
MICROSOFT CORP	COM	594918104	36,833,195	87,548	SH		DFND	NONE	83,056	0	4,492
MOODYS CORP	COM	615369105	521,158	1,326	SH		DFND	NONE	1,326	0	0
Marathon Petroleum Corp	COM	56585A102	969,417	4,811	SH		DFND	NONE	4,811	0	0
Medtronic PLC	SHS	G5960L103	11,572,387	132,787	SH		DFND	NONE	132,132	0	655
Merck & Co Inc	COM	58933Y105	19,731,935	149,541	SH		DFND	NONE	147,336	0	2,205
MetLife Inc	COM	59156R108	249,899	3,372	SH		DFND	NONE	3,372	0	0
Microchip Technology Inc	COM	595017104	213,510	2,380	SH		DFND	NONE	180	0	2,200
Mondelez International Inc	CL A	609207105	394,240	5,632	SH		DFND	NONE	5,632	0	0
NEXTERA ENERGY	COM	65339F101	6,548,283	102,461	SH		DFND	NONE	99,196	0	3,265
NIKE INC	CL B	654106103	8,508,573	90,536	SH		DFND	NONE	89,999	0	537
NVIDIA Corp	COM	67066G104	5,114,150	5,660	SH		DFND	NONE	5,660	0	0
NVR Inc	COM	62944T105	242,999	30	SH		DFND	NONE	30	0	0
Nelnet Inc	CL A	64031N108	10,225,418	108,034	SH		DFND	NONE	107,534	0	500
Neuberger Berman Investment Advisers LLC	COM	64124P101	207,987	19,865	SH		DFND	NONE	630	0	19,235
Noble Holding Corp PLC	ORD SHS A	G65431127	7,510,762	154,893	SH		DFND	NONE	154,893	0	0
Norfolk Southern Corp	COM	655844108	1,735,920	6,811	SH		DFND	NONE	6,611	0	200
Novartis AG	SPONSORED ADR	66987V109	389,145	4,023	SH		DFND	NONE	3,623	0	400
Novo Holdings A/S	ADR	670100205	30,552,523	237,948	SH		DFND	NONE	233,262	0	4,686
Nuveen Closed-End Funds/USA	COM	670657105	196,061	17,711	SH		DFND	NONE	3,014	0	14,697
Nuveen Closed-End Funds/USA	COM	67066V101	149,267	13,025	SH		DFND	NONE	2,550	0	10,475
Nuveen Closed-End Funds/USA	COM	670928100	4,489,160	515,403	SH		DFND	NONE	500,403	0	15,000
OGE Energy Corp	COM	670837103	470,047	13,704	SH		DFND	NONE	13,704	0	0
ON Semiconductor Corp	COM	682189105	2,596,683	35,305	SH		DFND	NONE	35,256	0	49
ORACLE CORP	COM	68389X105	649,404	5,170	SH		DFND	NONE	4,520	0	650
Otis Worldwide Corp	COM	68902V107	465,179	4,686	SH		DFND	NONE	2,940	0	1,746
PACCAR INC	COM	693718108	8,205,359	66,231	SH		DFND	NONE	66,215	0	16
PARKER-HANNIFIN	COM	701094104	11,260,861	20,261	SH		DFND	NONE	20,161	0	100
PEPSICO INC	COM	713448108	11,272,919	64,413	SH		DFND	NONE	61,448	0	2,965
PHILIP MORRIS INTL	COM	718172109	349,897	3,819	SH		DFND	NONE	3,819	0	0
PNC Financial Services Group I	COM	693475105	457,328	2,830	SH		DFND	NONE	2,830	0	0
Palo Alto Networks Inc	COM	697435105	2,432,437	8,561	SH		DFND	NONE	8,556	0	5
Paychex Inc	COM	704326107	236,267	1,924	SH		DFND	NONE	1,924	0	0
Pfizer Inc	COM	717081103	4,997,054	180,074	SH		DFND	NONE	177,132	0	2,942
Phillips 66	COM	718546104	825,030	5,051	SH		DFND	NONE	4,826	0	225
Procter & Gamble Co/The	COM	742718109	12,933,110	79,711	SH		DFND	NONE	74,885	0	4,826
QUALCOMM Inc	COM	747525103	881,884	5,209	SH		DFND	NONE	4,184	0	1,025
ROCKWELL AUTOMATION	COM	773903109	735,317	2,524	SH		DFND	NONE	2,024	0	500
ROPER INDUSTRIES INC	COM	776696106	486,248	867	SH		DFND	NONE	747	0	120
RTX Corp	COM	75513E101	2,422,743	24,841	SH		DFND	NONE	20,889	0	3,952
Rentokil Initial PLC	SPONSORED ADR	760125104	8,528,350	282,864	SH		DFND	NONE	282,864	0	0
Ryan Specialty Holdings Inc	CL A	78351F107	3,508,377	63,214	SH		DFND	NONE	63,214	0	0
S&P Global Inc	COM	78409V104	989,597	2,326	SH		DFND	NONE	2,326	0	0
SALESFORCE.COM INC	COM	79466L302	4,240,313	14,079	SH		DFND	NONE	14,074	0	5
SANDSTORM GOLD LTD	COM NEW	80013R206	6,087,333	1,159,492	SH		DFND	NONE	1,141,472	0	18,020
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	5,760,202	62,011	SH		DFND	NONE	61,959	0	52
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	22,320,821	151,092	SH		DFND	NONE	150,902	0	190
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	13,088,791	171,409	SH		DFND	NONE	171,289	0	120
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	24,156,342	131,363	SH		DFND	NONE	131,212	0	151
SELECT SECTOR SPDR	ENERGY	81369Y506	8,124,358	86,054	SH		DFND	NONE	85,999	0	55
SELECT SECTOR SPDR	FINANCIAL	81369Y605	18,022,727	427,890	SH		DFND	NONE	427,034	0	856
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	100,129,135	480,766	SH		DFND	NONE	480,284	0	482
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	5,108,949	77,821	SH		DFND	NONE	77,734	0	87
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	1,429,597	10,893	SH		DFND	NONE	10,539	0	354
STARBUCKS CORP	COM	855244109	2,901,450	31,748	SH		DFND	NONE	31,729	0	19
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	391,721	15,248	SH		DFND	NONE	0	0	15,248
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	381,134	685	SH		DFND	NONE	685	0	0
Schlumberger NV	COM STK	806857108	511,706	9,336	SH		DFND	NONE	8,836	0	500
Simplify Exchange Traded Funds	None	82889N525	9,789,128	192,283	SH		DFND	NONE	189,533	0	2,750
Southern Co/The	COM	842587107	449,379	6,264	SH		DFND	NONE	6,064	0	200
State Street ETF/USA	TR UNIT	78462F103	6,295,147	12,035	SH		DFND	NONE	12,035	0	0
State Street ETF/USA	INDL	81369Y704	19,680,368	156,243	SH		DFND	NONE	156,163	0	80
State Street ETF/USA	COMMUNICATION	81369Y852	6,026,508	73,800	SH		DFND	NONE	73,666	0	134
State Street ETF/USA	RL EST SEL SEC	81369Y860	2,794,969	70,705	SH		DFND	NONE	70,605	0	100
Synopsys Inc	COM	871607107	303,467	531	SH		DFND	NONE	531	0	0
Sysco Corp	COM	871829107	10,340,708	127,380	SH		DFND	NONE	126,419	0	961
TEXAS INSTRUMENTS	COM	882508104	1,464,235	8,405	SH		DFND	NONE	8,345	0	60
TJX Cos Inc/The	COM	872540109	10,276,483	101,326	SH		DFND	NONE	100,476	0	850
TRACTOR SUPPLY CO	COM	892356106	1,718,977	6,568	SH		DFND	NONE	6,533	0	35
TRAVELERS CO INC	COM	89417E109	383,413	1,666	SH		DFND	NONE	1,666	0	0
Target Corp	COM	87612E106	982,629	5,545	SH		DFND	NONE	5,483	0	62
Texas Pacific Land Corp	COM	88262P102	13,189,449	22,799	SH		DFND	NONE	22,664	0	135
Thermo Fisher Scientific Inc	COM	883556102	4,985,038	8,577	SH		DFND	NONE	8,370	0	207
Timken Co/The	COM	887389104	3,139,087	35,904	SH		DFND	NONE	35,904	0	0
UTD PARCEL SERV	CL B	911312106	12,865,413	86,560	SH		DFND	NONE	86,210	0	350
Ulta Beauty Inc	COM	90384S303	1,708,772	3,268	SH		DFND	NONE	3,266	0	2
Unilever PLC	SPON ADR NEW	904767704	2,514,870	50,107	SH		DFND	NONE	50,081	0	26
Union Pacific Corp	COM	907818108	1,796,519	7,305	SH		DFND	NONE	6,760	0	545
UnitedHealth Group Inc	COM	91324P102	6,374,210	12,885	SH		DFND	NONE	12,773	0	112
VANGUARD	S&P 500 ETF SHS	922908363	728,261	1,515	SH		DFND	NONE	1,515	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	6,229,244	149,132	SH		DFND	NONE	146,012	0	3,120
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	5,190,825	67,143	SH		DFND	NONE	67,143	0	0
VANGUARD ETF/USA	INT-TERM CORP	92206C870	320,591	3,982	SH		DFND	NONE	3,982	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	474,318	1,825	SH		DFND	NONE	1,825	0	0
VERIZON COMMUN	COM	92343V104	6,745,280	160,755	SH		DFND	NONE	156,850	0	3,905
VISA INC	COM CL A	92826C839	3,629,714	13,006	SH		DFND	NONE	12,966	0	40
Valero Energy Corp	COM	91913Y100	2,332,991	13,668	SH		DFND	NONE	13,668	0	0
Van Kampen Funds/Closed-end/US	COM	46132C107	192,605	19,795	SH		DFND	NONE	0	0	19,795
Van Kampen Funds/Closed-end/US	COM	46133G107	129,209	13,348	SH		DFND	NONE	0	0	13,348
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	19,828,137	395,219	SH		DFND	NONE	394,566	0	653
Vanguard ETF/USA	REAL ESTATE ETF	922908553	272,498	3,151	SH		DFND	NONE	3,151	0	0
Vanguard ETF/USA	MID CAP ETF	922908629	3,141,240	12,572	SH		DFND	NONE	12,543	0	29
Vanguard ETF/USA	SMALL CP ETF	922908751	426,092	1,864	SH		DFND	NONE	1,864	0	0
WASTE MANAGEMENT	COM	94106L109	5,625,029	26,390	SH		DFND	NONE	26,377	0	13
WELLS FARGO & CO	COM	949746101	313,680	5,412	SH		DFND	NONE	5,412	0	0
WISDOMTREE ASSET MANAGEMENT INC	US LARGECAP FUND	97717W588	414,724	7,486	SH		DFND	NONE	7,486	0	0
WW Grainger Inc	COM	384802104	311,294	306	SH		DFND	NONE	306	0	0
Walgreens Boots Alliance Inc	COM	931427108	1,836,666	84,678	SH		DFND	NONE	84,678	0	0
Walmart Inc	COM	931142103	10,234,736	170,097	SH		DFND	NONE	169,770	0	327
Walt Disney Co/The	COM	254687106	5,533,364	45,222	SH		DFND	NONE	43,526	0	1,696
Western Asset Trust Closed End	COM	958435109	119,671	15,110	SH		DFND	NONE	0	0	15,110
Xcel Energy Inc	COM	98389B100	289,659	5,389	SH		DFND	NONE	5,389	0	0
YUM BRANDS INC	COM	988498101	709,888	5,120	SH		DFND	NONE	5,120	0	0
ZIMMER HLDGS INC	COM	98956P102	3,788,618	28,706	SH		DFND	NONE	28,690	0	16
Zoetis Inc	CL A	98978V103	247,723	1,464	SH		DFND	NONE	1,464	0	0
iShares ETFs/USA	CORE S&P TTL STK	464287150	6,238,998	54,111	SH		DFND	NONE	54,111	0	0
iShares ETFs/USA	CORE US AGGBD ET	464287226	51,262,384	523,406	SH		DFND	NONE	520,575	0	2,831
iShares ETFs/USA	MSCI EAFE ETF	464287465	2,241,830	28,072	SH		DFND	NONE	27,922	0	150
iShares ETFs/USA	RUS MID CAP ETF	464287499	541,456	6,439	SH		DFND	NONE	6,439	0	0
iShares ETFs/USA	CORE S&P MCP ETF	464287507	27,286,230	449,230	SH		DFND	NONE	447,288	0	1,942
iShares ETFs/USA	S&P MC 400GR ETF	464287606	500,141	5,481	SH		DFND	NONE	5,481	0	0
iShares ETFs/USA	RUS 1000 ETF	464287622	236,761	822	SH		DFND	NONE	822	0	0
iShares ETFs/USA	S&P MC 400VL ETF	464287705	241,903	2,045	SH		DFND	NONE	2,045	0	0
iShares ETFs/USA	CORE S&P SCP ETF	464287804	22,964,398	207,785	SH		DFND	NONE	205,713	0	2,072
iShares ETFs/USA	ISHS 5-10YR INVT	464288638	15,681,137	303,898	SH		DFND	NONE	300,154	0	3,744
iShares ETFs/USA	ISHS 1-5YR INVS	464288646	19,740,339	384,952	SH		DFND	NONE	381,918	0	3,034
iShares ETFs/USA	3 7 YR TREAS BD	464288661	215,754	1,863	SH		DFND	NONE	1,863	0	0
iShares ETFs/USA	PFD AND INCM SEC	464288687	398,975	12,379	SH		DFND	NONE	10,879	0	1,500
iShares ETFs/USA	MSCI USA ESG SLC	464288802	205,567	1,883	SH		DFND	NONE	1,883	0	0