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
3M Co	COM	88579Y101	3,474,051	33,996	SH		DFND		33,996	0	0
ADVANCED MICRO DEV	COM	007903107	3,444,367	21,234	SH		DFND		21,225	0	9
ALPHABET INC	CAP STK CL A	02079K305	18,802,252	103,224	SH		DFND		101,850	0	1,374
ALTRIA GROUP INC	COM	02209S103	248,248	5,450	SH		DFND		5,450	0	0
AMER EXPRESS CO	COM	025816109	565,445	2,442	SH		DFND		2,442	0	0
AMETEK Inc	COM	031100100	1,198,645	7,190	SH		DFND		6,770	0	420
ANALOG DEVICES INC	COM	032654105	413,379	1,811	SH		DFND		1,466	0	345
APPLIED MATERIALS	COM	038222105	1,983,260	8,404	SH		DFND		7,204	0	1,200
ARISTA NETWORKS INC	COM	040413106	4,261,837	12,160	SH		DFND		12,124	0	36
ASML HOLDING NV	N Y REGISTRY SHS	N07059210	4,661,603	4,558	SH		DFND		4,558	0	0
AT&T INC	COM	00206R102	595,391	31,156	SH		DFND		29,048	0	2,108
AUTOMATIC DATA PROCESSING	COM	053015103	11,505,335	48,202	SH		DFND		46,827	0	1,375
AUTOZONE INC	COM	053332102	2,231,967	753	SH		DFND		753	0	0
AbbVie Inc	COM	00287Y109	13,697,587	79,860	SH		DFND		77,160	0	2,700
Abbott Laboratories	COM	002824100	14,693,186	141,403	SH		DFND		137,666	0	3,737
Accenture PLC	SHS CLASS A	G1151C101	4,455,576	14,685	SH		DFND		14,441	0	244
Adobe Inc	COM	00724F101	5,378,738	9,682	SH		DFND		9,453	0	229
Aflac Inc	COM	001055102	394,036	4,412	SH		DFND		3,562	0	850
Air Products and Chemicals Inc	COM	009158106	2,558,308	9,914	SH		DFND		9,215	0	699
Akamai Technologies Inc	COM	00971T101	380,588	4,225	SH		DFND		4,225	0	0
Allstate Corp/The	COM	020002101	236,137	1,479	SH		DFND		854	0	625
Alphabet Inc	CAP STK CL C	02079K107	5,412,724	29,510	SH		DFND		29,110	0	400
Amazon.com Inc	COM	023135106	16,569,835	85,743	SH		DFND		85,015	0	728
American Tower Corp	COM	03027X100	4,500,480	23,153	SH		DFND		22,903	0	250
American Water Works Co Inc	COM	030420103	427,390	3,309	SH		DFND		3,209	0	100
Amgen Inc	COM	031162100	838,616	2,684	SH		DFND		2,484	0	200
Amphenol Corp	CL A	032095101	3,498,591	51,931	SH		DFND		51,299	0	632
Aon PLC	SHS CL A	G0403H108	398,094	1,356	SH		DFND		1,356	0	0
Apple Inc	COM	037833100	56,765,039	269,514	SH		DFND		260,746	0	8,768
BAKER HUGHES INC	CL A	05722G100	6,674,879	189,789	SH		DFND		188,737	0	1,052
BALL CORP	COM	058498106	3,905,261	65,066	SH		DFND		64,866	0	200
BARRICK GOLD CORP	COM	067901108	6,478,412	388,394	SH		DFND		385,394	0	3,000
BECTON DICKINSON	COM	075887109	1,386,368	5,932	SH		DFND		5,932	0	0
BK OF AMERICA CORP	COM	060505104	4,616,263	116,074	SH		DFND		116,005	0	69
BK OF NY MELLON CP	COM	064058100	295,497	4,934	SH		DFND		3,734	0	1,200
BLACKROCK FUNDS/CLOSED-END/USA	COM	09254F100	151,105	12,305	SH		DFND		0	0	12,305
BOEING CO	COM	097023105	202,941	1,115	SH		DFND		1,045	0	70
BP PLC	SPONSORED ADR	055622104	263,638	7,303	SH		DFND		6,861	0	442
BRISTOL-MYRS SQUIB	COM	110122108	1,680,387	40,462	SH		DFND		39,862	0	600
Bar Harbor Bankshares	COM	066849100	11,289,923	420,012	SH		DFND		11,600	0	408,412
Berkshire Hathaway Inc	CL B NEW	084670702	15,216,761	37,406	SH		DFND		36,739	0	667
BlackRock Fund Advisors	CORE S&P TTL STK	464287150	6,437,163	54,194	SH		DFND		54,194	0	0
BlackRock Fund Advisors	CORE US AGGBD ET	464287226	52,213,468	537,895	SH		DFND		535,450	0	2,445
BlackRock Fund Advisors	MSCI EAFE ETF	464287465	2,175,302	27,771	SH		DFND		27,621	0	150
BlackRock Fund Advisors	RUS MID CAP ETF	464287499	522,074	6,439	SH		DFND		6,439	0	0
BlackRock Fund Advisors	CORE S&P MCP ETF	464287507	25,863,967	441,968	SH		DFND		439,918	0	2,050
BlackRock Fund Advisors	S&P MC 400GR ETF	464287606	459,494	5,215	SH		DFND		5,215	0	0
BlackRock Fund Advisors	RUS 1000 ETF	464287622	244,578	822	SH		DFND		822	0	0
BlackRock Fund Advisors	S&P MC 400VL ETF	464287705	231,458	2,040	SH		DFND		2,040	0	0
BlackRock Fund Advisors	CORE S&P SCP ETF	464287804	21,918,097	205,495	SH		DFND		203,436	0	2,059
BlackRock Fund Advisors	ISHS 5-10YR INVT	464288638	15,123,392	295,033	SH		DFND		291,289	0	3,744
BlackRock Fund Advisors	ISHS 1-5YR INVS	464288646	19,819,376	386,795	SH		DFND		383,936	0	2,859
BlackRock Fund Advisors	PFD AND INCM SEC	464288687	408,194	12,938	SH		DFND		11,438	0	1,500
BlackRock Fund Advisors	MSCI USA ESG SLC	464288802	301,489	2,683	SH		DFND		2,683	0	0
BlackRock Funds/Closed-End/USA	COM	09253X102	168,133	13,625	SH		DFND		0	0	13,625
BlackRock Inc	COM	09247X101	1,156,573	1,469	SH		DFND		1,469	0	0
Blackstone Inc	COM	09260D107	666,415	5,383	SH		DFND		5,383	0	0
Booking Holdings Inc	COM	09857L108	2,860,203	722	SH		DFND		722	0	0
Booz Allen Hamilton Holding Co	CL A	099502106	12,249,517	79,594	SH		DFND		79,119	0	475
Broadcom Inc	COM	11135F101	704,828	439	SH		DFND		269	0	170
Brown & Brown Inc	COM	115236101	14,480,218	161,953	SH		DFND		160,903	0	1,050
CARRIER GLOBAL CORP	COM	14448C104	928,475	14,719	SH		DFND		11,225	0	3,494
CHARLES SCHWAB INVESTMENT MANAGEMENT INC	US DIVIDEND EQ	808524797	311,040	4,000	SH		DFND		4,000	0	0
CHUBB LIMITED COM	COM	H1467J104	5,490,852	21,526	SH		DFND		21,256	0	270
CINTAS CORP	COM	172908105	771,687	1,102	SH		DFND		1,102	0	0
CISCO SYSTEMS	COM	17275R102	4,327,258	91,081	SH		DFND		90,440	0	641
COLGATE-PALMOLIVE	COM	194162103	13,217,527	136,207	SH		DFND		136,207	0	0
CONOCOPHILLIPS	COM	20825C104	520,429	4,550	SH		DFND		4,260	0	290
CSX CORP	COM	126408103	2,611,876	78,083	SH		DFND		66,083	0	12,000
CVS Health Corp	COM	126650100	427,594	7,240	SH		DFND		7,240	0	0
Caterpillar Inc	COM	149123101	16,498,776	49,531	SH		DFND		49,531	0	0
Chevron Corp	COM	166764100	15,453,827	98,797	SH		DFND		97,593	0	1,204
Church & Dwight Co Inc	COM	171340102	234,835	2,265	SH		DFND		2,265	0	0
Cigna Group/The	COM	125523100	471,062	1,425	SH		DFND		1,365	0	60
Clorox Co/The	COM	189054109	357,688	2,621	SH		DFND		2,621	0	0
Coca-Cola Co/The	COM	191216100	4,245,200	66,696	SH		DFND		66,396	0	300
Comcast Corp	CL A	20030N101	918,772	23,462	SH		DFND		22,178	0	1,284
Consolidated Edison Inc	COM	209115104	260,570	2,914	SH		DFND		2,814	0	100
Costco Wholesale Corp	COM	22160K105	31,518,479	37,081	SH		DFND		37,053	0	28
DEERE & CO	COM	244199105	609,017	1,630	SH		DFND		1,580	0	50
DOMINION RES(VIR)	COM	25746U109	661,353	13,497	SH		DFND		12,482	0	1,015
DTE Energy Co	COM	233331107	205,257	1,849	SH		DFND		1,849	0	0
DUKE ENERGY CORP	COM NEW	26441C204	493,733	4,926	SH		DFND		4,926	0	0
Danaher Corp	COM	235851102	7,647,409	30,608	SH		DFND		30,192	0	416
Dover Corp	COM	260003108	619,846	3,435	SH		DFND		3,155	0	280
Dow Inc	COM	260557103	998,030	18,813	SH		DFND		18,771	0	42
Dreyfus Funds/Closed-end/USA	COM SHS	09662W109	127,754	12,075	SH		DFND		0	0	12,075
DuPont de Nemours Inc	COM	26614N102	966,282	12,005	SH		DFND		11,963	0	42
ECOLAB INC	COM	278865100	1,053,864	4,428	SH		DFND		4,428	0	0
EMERSON ELECTRIC	COM	291011104	8,132,892	73,828	SH		DFND		73,828	0	0
EQUINIX INC	COM	29444U700	2,598,921	3,435	SH		DFND		3,421	0	14
EQUITY COMMONWEALTH	6.5% CNV PFD D	294628201	5,542,973	222,520	SH		DFND		218,770	0	3,750
Eaton Corp PLC	SHS	G29183103	4,501,324	14,356	SH		DFND		14,352	0	4
Eaton Vance Management	SH BEN INT	27826U108	138,825	13,413	SH		DFND		0	0	13,413
Elevance Health Inc	COM	036752103	304,525	562	SH		DFND		562	0	0
Eli Lilly & Co	COM	532457108	70,616,924	77,997	SH		DFND		77,997	0	0
Equity LifeStyle Properties In	COM	29472R108	4,058,836	62,319	SH		DFND		62,319	0	0
Eversource Energy	COM	30040W108	271,074	4,780	SH		DFND		4,780	0	0
Exxon Mobil Corp	COM	30231G102	26,714,172	232,055	SH		DFND		225,051	0	7,004
FEDEX CORP	COM	31428X106	4,669,708	15,574	SH		DFND		15,565	0	9
FMC Corp	COM NEW	302491303	218,230	3,792	SH		DFND		3,792	0	0
First American Financial Corp	COM	31847R102	2,766,988	51,288	SH		DFND		51,288	0	0
First Bancorp Inc/The	COM	31866P102	260,478	10,482	SH		DFND		10,482	0	0
First Trust Advisors LP	RISNG DIVD ACHIV	33738R506	288,697	5,273	SH		DFND		5,273	0	0
GE HealthCare Technologies Inc	COMMON STOCK	36266G107	2,028,336	26,031	SH		DFND		25,821	0	210
GEN DYNAMICS CORP	COM	369550108	263,157	907	SH		DFND		907	0	0
GENERAL MILLS INC	COM	370334104	1,111,099	17,564	SH		DFND		16,284	0	1,280
GSK PLC	SPONSORED ADR	37733W204	2,583,042	67,092	SH		DFND		67,092	0	0
General Electric Co	COM NEW	369604301	567,046	3,567	SH		DFND		2,979	0	588
Genuine Parts Co	COM	372460105	734,479	5,310	SH		DFND		5,310	0	0
Gilead Sciences Inc	COM	375558103	222,914	3,249	SH		DFND		3,049	0	200
Harbor ETF Trust	SCIENTIFIC HIGH	41151J109	219,986	4,876	SH		DFND		1,472	0	3,404
Hartford Financial Services Gr	COM	416515104	223,299	2,221	SH		DFND		1,400	0	821
Home Depot Inc/The	COM	437076102	9,183,979	26,679	SH		DFND		26,090	0	589
Honeywell International Inc	COM	438516106	1,007,909	4,720	SH		DFND		4,120	0	600
Huntington Ingalls Industries	COM	446413106	9,014,939	36,597	SH		DFND		36,597	0	0
ILLINOIS TOOL WKS	COM	452308109	1,273,423	5,374	SH		DFND		5,374	0	0
INTERCONTINENTAL EXCHANGE	COM	45866F104	3,887,950	28,402	SH		DFND		27,875	0	527
INTL BUSINESS MCHN	COM	459200101	13,057,379	75,498	SH		DFND		75,470	0	28
INTL FLAVORS&FRAG	COM	459506101	1,823,462	19,152	SH		DFND		19,131	0	21
ISHARES	MSCI STH AFR ETF	464286780	693,510	16,009	SH		DFND		16,009	0	0
ISHARES	SELECT DIVID ETF	464287168	893,679	7,387	SH		DFND		7,387	0	0
ISHARES	CORE S&P500 ETF	464287200	47,960,879	87,643	SH		DFND		87,261	0	382
ISHARES	IBOXX INV CP ETF	464287242	5,054,993	47,190	SH		DFND		46,724	0	466
ISHARES	S&P 500 GRWT ETF	464287309	714,779	7,724	SH		DFND		7,724	0	0
ISHARES	ISHARES BIOTECH	464287556	2,102,411	15,317	SH		DFND		15,248	0	69
ISHARES	RUSSELL 2000 ETF	464287655	467,864	2,306	SH		DFND		2,306	0	0
ISHARES	CORE MSCI EAFE	46432F842	623,396	8,582	SH		DFND		8,582	0	0
ISHARES TR	MSCI EMG MKT ETF	464287234	1,294,140	30,386	SH		DFND		29,636	0	750
ISHARES TRUST	TIPS BD ETF	464287176	531,551	4,978	SH		DFND		4,743	0	235
ISHARES TRUST	GLOBAL 100 ETF	464287572	344,791	3,570	SH		DFND		3,570	0	0
ISHARES TRUST	GL CLEAN ENE ETF	464288224	161,225	12,104	SH		DFND		12,104	0	0
ISHARES TRUST	IBOXX HI YD ETF	464288513	570,065	7,390	SH		DFND		7,390	0	0
ISHARES/USA	S&P SML 600 GWT	464287887	221,670	1,726	SH		DFND		1,726	0	0
ISHARES/USA	NATIONAL MUN ETF	464288414	422,684	3,967	SH		DFND		3,967	0	0
Intel Corp	COM	458140100	1,982,514	64,014	SH		DFND		63,214	0	800
Invesco Capital Management LLC	UNIT SER 1	46090E103	16,177,628	33,766	SH		DFND		33,766	0	0
Invesco Capital Management LLC	S&P500 EQL WGT	46137V357	255,455	1,555	SH		DFND		1,555	0	0
JPMorgan Chase & Co	COM	46625H100	17,625,745	87,144	SH		DFND		86,436	0	708
Johnson & Johnson	COM	478160104	34,173,085	233,806	SH		DFND		227,298	0	6,508
KIMBERLY-CLARK CP	COM	494368103	1,194,186	8,641	SH		DFND		8,641	0	0
KLA Corp	COM NEW	482480100	395,765	480	SH		DFND		480	0	0
Kinder Morgan Inc	COM	49456B101	3,240,857	163,103	SH		DFND		162,402	0	701
L3Harris Technologies Inc	COM	502431109	4,274,656	19,034	SH		DFND		19,007	0	27
LEGG MASON PARTNERS FUND ADVISOR LLC	COM	95766M105	431,409	41,682	SH		DFND		0	0	41,682
LOWE'S COS INC	COM	548661107	2,081,804	9,443	SH		DFND		9,223	0	220
Lam Research Corp	COM	512807108	5,600,046	5,259	SH		DFND		5,257	0	2
Linde PLC	SHS	G54950103	777,571	1,772	SH		DFND		1,657	0	115
Lockheed Martin Corp	COM	539830109	861,332	1,844	SH		DFND		1,844	0	0
M&T Bank Corp	COM	55261F104	354,939	2,345	SH		DFND		2,286	0	59
MARSH & MCLENNAN	COM	571748102	1,140,627	5,413	SH		DFND		5,289	0	124
MASTERCARD INC	CL A	57636Q104	7,446,781	16,880	SH		DFND		16,784	0	96
MCDONALD'S CORP	COM	580135101	4,593,746	18,026	SH		DFND		16,526	0	1,500
MCKESSON CORP	COM	58155Q103	226,608	388	SH		DFND		388	0	0
METLIFE INC	COM	59156R108	277,110	3,948	SH		DFND		3,948	0	0
MICROSOFT CORP	COM	594918104	38,701,847	86,591	SH		DFND		82,099	0	4,492
MOODYS CORP	COM	615369105	558,153	1,326	SH		DFND		1,326	0	0
Marathon Petroleum Corp	COM	56585A102	834,612	4,811	SH		DFND		4,811	0	0
Medtronic PLC	SHS	G5960L103	10,239,148	130,087	SH		DFND		129,187	0	900
Merck & Co Inc	COM	58933Y105	18,547,097	149,815	SH		DFND		148,210	0	1,605
Meta Platforms Inc	CL A	30303M102	1,916,540	3,801	SH		DFND		3,798	0	3
Mondelez International Inc	CL A	609207105	350,758	5,360	SH		DFND		5,360	0	0
NETFLIX INC	COM	64110L106	283,450	420	SH		DFND		420	0	0
NEXTERA ENERGY	COM	65339F101	7,571,288	106,924	SH		DFND		103,659	0	3,265
NIKE INC	CL B	654106103	9,631,985	127,796	SH		DFND		127,259	0	537
NOBLE CORP PLC	ORD SHS A	G65431127	7,099,975	159,014	SH		DFND		159,014	0	0
NVIDIA Corp	COM	67066G104	7,254,269	58,720	SH		DFND		58,720	0	0
NVR Inc	COM	62944T105	227,657	30	SH		DFND		30	0	0
Nelnet Inc	CL A	64031N108	10,813,705	107,215	SH		DFND		106,715	0	500
Neuberger Berman Funds/Closed-	COM	64124P101	212,158	19,865	SH		DFND		630	0	19,235
Norfolk Southern Corp	COM	655844108	1,407,508	6,556	SH		DFND		6,556	0	0
Novartis AG	SPONSORED ADR	66987V109	427,863	4,019	SH		DFND		3,619	0	400
Novo Holdings A/S	ADR	670100205	30,431,883	213,198	SH		DFND		210,312	0	2,886
Nuveen Closed-End Funds/USA	COM	670657105	202,968	17,711	SH		DFND		3,014	0	14,697
Nuveen Closed-End Funds/USA	COM	67066V101	152,914	13,025	SH		DFND		2,550	0	10,475
Nuveen Closed-End Funds/USA	COM	670928100	3,679,142	426,320	SH		DFND		411,320	0	15,000
OGE Energy Corp	COM	670837103	489,233	13,704	SH		DFND		13,704	0	0
ON Semiconductor Corp	COM	682189105	2,265,372	33,047	SH		DFND		32,998	0	49
ORACLE CORP	COM	68389X105	718,002	5,085	SH		DFND		4,435	0	650
Otis Worldwide Corp	COM	68902V107	466,283	4,844	SH		DFND		3,098	0	1,746
PACCAR INC	COM	693718108	6,591,763	64,035	SH		DFND		64,019	0	16
PARKER-HANNIFIN	COM	701094104	10,967,478	21,683	SH		DFND		21,583	0	100
PEPSICO INC	COM	713448108	10,452,934	63,378	SH		DFND		60,413	0	2,965
PHILIP MORRIS INTL	COM	718172109	397,112	3,919	SH		DFND		3,919	0	0
PNC Financial Services Group I	COM	693475105	420,107	2,702	SH		DFND		2,702	0	0
Palo Alto Networks Inc	COM	697435105	2,899,892	8,554	SH		DFND		8,549	0	5
Paychex Inc	COM	704326107	228,109	1,924	SH		DFND		1,924	0	0
Pfizer Inc	COM	717081103	4,988,890	178,302	SH		DFND		175,360	0	2,942
Phillips 66	COM	718546104	711,214	5,038	SH		DFND		4,813	0	225
Procter & Gamble Co/The	COM	742718109	12,945,560	78,496	SH		DFND		74,420	0	4,076
QUALCOMM Inc	COM	747525103	917,224	4,605	SH		DFND		4,180	0	425
ROCKWELL AUTOMATION	COM	773903109	489,448	1,778	SH		DFND		1,678	0	100
ROPER INDUSTRIES INC	COM	776696106	303,813	539	SH		DFND		419	0	120
RTX Corp	COM	75513E101	2,578,015	25,680	SH		DFND		21,728	0	3,952
Rentokil Initial PLC	SPONSORED ADR	760125104	8,712,297	293,838	SH		DFND		292,338	0	1,500
Ryan Specialty Holdings Inc	CL A	78351F107	9,067,432	156,578	SH		DFND		155,828	0	750
S&P Global Inc	COM	78409V104	1,032,936	2,316	SH		DFND		2,316	0	0
SALESFORCE.COM INC	COM	79466L302	3,646,706	14,184	SH		DFND		14,179	0	5
SANDSTORM GOLD LTD	COM NEW	80013R206	6,249,156	1,148,742	SH		DFND		1,130,722	0	18,020
SELECT SECTOR SPDR	SBI MATERIALS	81369Y100	5,311,935	60,151	SH		DFND		59,814	0	337
SELECT SECTOR SPDR	SBI HEALTHCARE	81369Y209	21,450,902	147,176	SH		DFND		146,990	0	186
SELECT SECTOR SPDR	SBI CONS STPLS	81369Y308	13,100,924	171,075	SH		DFND		170,950	0	125
SELECT SECTOR SPDR	SBI CONS DISCR	81369Y407	23,880,902	130,926	SH		DFND		130,775	0	151
SELECT SECTOR SPDR	ENERGY	81369Y506	7,850,841	86,131	SH		DFND		86,073	0	58
SELECT SECTOR SPDR	FINANCIAL	81369Y605	17,449,921	424,469	SH		DFND		423,642	0	827
SELECT SECTOR SPDR	TECHNOLOGY	81369Y803	107,838,411	476,676	SH		DFND		476,200	0	476
SELECT SECTOR SPDR	SBI INT-UTILS	81369Y886	5,199,491	76,306	SH		DFND		76,244	0	62
SSGA Funds Management Inc	S&P DIVID ETF	78464A763	1,385,372	10,893	SH		DFND		10,539	0	354
SSgA Funds Management Inc	TR UNIT	78462F103	6,699,348	12,310	SH		DFND		12,310	0	0
SSgA Funds Management Inc	INDL	81369Y704	18,974,428	155,694	SH		DFND		155,618	0	76
SSgA Funds Management Inc	COMMUNICATION	81369Y852	6,258,834	73,066	SH		DFND		72,927	0	139
SSgA Funds Management Inc	RL EST SEL SEC	81369Y860	2,727,494	71,010	SH		DFND		70,907	0	103
STARBUCKS CORP	COM	855244109	2,403,230	30,870	SH		DFND		30,851	0	19
STATE STREET ETF/USA	NUVEEN BLOOMBERG	78464A284	387,909	15,248	SH		DFND		0	0	15,248
STATE STREET ETF/USA	UTSER1 S&PDCRP	78467Y107	366,530	685	SH		DFND		685	0	0
Schlumberger NV	COM STK	806857108	414,240	8,780	SH		DFND		8,780	0	0
Simplify Exchange Traded Funds	MBS ETF	82889N525	13,363,076	265,351	SH		DFND		261,351	0	4,000
Southern Co/The	COM	842587107	467,902	6,032	SH		DFND		5,832	0	200
Synopsys Inc	COM	871607107	301,100	506	SH		DFND		506	0	0
Sysco Corp	COM	871829107	9,053,751	126,821	SH		DFND		126,118	0	703
TEXAS INSTRUMENTS	COM	882508104	1,823,135	9,372	SH		DFND		9,312	0	60
TJX Cos Inc/The	COM	872540109	11,097,089	100,791	SH		DFND		99,941	0	850
TRACTOR SUPPLY CO	COM	892356106	2,602,530	9,639	SH		DFND		9,604	0	35
TRAVELERS CO INC	COM	89417E109	338,764	1,666	SH		DFND		1,666	0	0
Target Corp	COM	87612E106	820,142	5,540	SH		DFND		5,478	0	62
Texas Pacific Land Corp	COM	88262P102	16,443,977	22,395	SH		DFND		22,260	0	135
Thermo Fisher Scientific Inc	COM	883556102	4,621,421	8,357	SH		DFND		8,180	0	177
Timken Co/The	COM	887389104	2,870,978	35,829	SH		DFND		35,829	0	0
UTD PARCEL SERV	CL B	911312106	11,811,524	86,310	SH		DFND		86,310	0	0
Ulta Beauty Inc	COM	90384S303	1,387,589	3,596	SH		DFND		3,594	0	2
Unilever PLC	SPON ADR NEW	904767704	2,674,109	48,629	SH		DFND		48,603	0	26
Union Pacific Corp	COM	907818108	1,682,696	7,437	SH		DFND		6,892	0	545
UnitedHealth Group Inc	COM	91324P102	6,514,963	12,793	SH		DFND		12,681	0	112
VANGUARD	S&P 500 ETF SHS	922908363	801,208	1,602	SH		DFND		1,602	0	0
VANGUARD ETF/USA	FTSE EMR MKT ETF	922042858	6,467,247	147,789	SH		DFND		144,676	0	3,113
VANGUARD ETF/USA	SHRT TRM CORP BD	92206C409	4,887,644	63,250	SH		DFND		63,250	0	0
VANGUARD ETF/USA	INT-TERM CORP	92206C870	254,337	3,182	SH		DFND		3,182	0	0
VANGUARD ETF/USA	TOTAL STK MKT	922908769	488,206	1,825	SH		DFND		1,825	0	0
VERIZON COMMUN	COM	92343V104	6,484,701	157,243	SH		DFND		154,538	0	2,705
VISA INC	COM CL A	92826C839	3,395,574	12,937	SH		DFND		12,897	0	40
Valero Energy Corp	COM	91913Y100	2,110,617	13,464	SH		DFND		13,464	0	0
Van Kampen Funds/Closed-end/US	COM	46132C107	199,534	19,795	SH		DFND		0	0	19,795
Van Kampen Funds/Closed-end/US	COM	46133G107	132,412	13,348	SH		DFND		0	0	13,348
Vanguard ETF/USA	VAN FTSE DEV MKT	921943858	19,244,840	389,414	SH		DFND		388,804	0	610
Vanguard ETF/USA	MID CAP ETF	922908629	3,074,912	12,701	SH		DFND		12,672	0	29
Vanguard ETF/USA	SMALL CP ETF	922908751	387,675	1,778	SH		DFND		1,778	0	0
Vanguard Group Inc/The	REAL ESTATE ETF	922908553	245,166	2,927	SH		DFND		2,927	0	0
WASTE MANAGEMENT	COM	94106L109	5,859,596	27,466	SH		DFND		27,453	0	13
WELLS FARGO & CO	COM	949746101	321,419	5,412	SH		DFND		5,412	0	0
WISDOMTREE ASSET MANAGEMENT INC	US LARGECAP FUND	97717W588	425,804	7,486	SH		DFND		7,486	0	0
WW Grainger Inc	COM	384802104	266,161	295	SH		DFND		295	0	0
Walgreens Boots Alliance Inc	COM	931427108	974,906	80,604	SH		DFND		80,604	0	0
Walmart Inc	COM	931142103	11,412,588	168,551	SH		DFND		168,224	0	327
Walt Disney Co/The	COM	254687106	4,484,036	45,161	SH		DFND		43,465	0	1,696
Western Asset Trust Closed End	COM	958435109	118,765	15,110	SH		DFND		0	0	15,110
Xcel Energy Inc	COM	98389B100	287,826	5,389	SH		DFND		5,389	0	0
YUM BRANDS INC	COM	988498101	678,195	5,120	SH		DFND		5,120	0	0
ZIMMER HLDGS INC	COM	98956P102	826,239	7,613	SH		DFND		7,613	0	0
Zoetis Inc	CL A	98978V103	249,638	1,440	SH		DFND		1,440	0	0