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
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
ABBOTT LABORATORIES Common Stock 002824100 25,815 183,417 SH   DFND 23 183,417 0 0
ABBVIE INC Common Stock 00287Y109 122,883 907,561 SH   DFND 23 907,561 0 0
ALTRIA GROUP INC Common Stock 02209S103 40,521 855,075 SH   DFND 23 855,075 0 0
AMERIPRISE FINANCIAL INC Common Stock 03076C106 3,615 11,983 SH   DFND 23 11,983 0 0
AMGEN INC Common Stock 031162100 40,574 180,347 SH   DFND 23 180,347 0 0
ANTHEM INC Common Stock 036752103 6,600 14,239 SH   DFND 23 14,239 0 0
APPLE INC COM Common Stock 037833100 6,584 37,076 SH   DFND 2 37,076 0 0
APPLIED MATERIALS INC Common Stock 038222105 5,865 37,272 SH   DFND 23 37,272 0 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 16,046 65,075 SH   DFND 23 65,075 0 0
BANK OF AMERICA CORP COM Common Stock 060505104 1,065 23,936 SH   DFND 2 23,936 0 0
IPATH BLOOMBERG COMMODITY IN ETP 06738C778 2,605 90,776 SH   DFND   90,776 0 0
BEST BUY CO INC Common Stock 086516101 6,576 64,726 SH   DFND 23 64,726 0 0
CF INDUSTRIES HOLDINGS INC Common Stock 125269100 2,799 39,543 SH   DFND 23 39,543 0 0
C.H. ROBINSON WORLDWIDE INC Common Stock 12541W209 1,232 11,451 SH   DFND 23 11,451 0 0
CSX CORP Common Stock 126408103 1,668 44,370 SH   DFND 23 44,370 0 0
CANADIAN NATL RAILWAY CO Common Stock 136375102 22,460 182,849 SH   DFND 23 182,849 0 0
CANADIAN PACIFIC RAILWAY LTD Common Stock 13645T100 11,843 164,734 SH   DFND 23 164,734 0 0
CARDINAL HEALTH INC Common Stock 14149Y108 6,962 135,213 SH   DFND 23 135,213 0 0
CATERPILLAR INC Common Stock 149123101 29,793 144,112 SH   DFND 23 144,112 0 0
CELANESE CORP Common Stock 150870103 1,790 10,652 SH   DFND 23 10,652 0 0
CISCO SYSTEMS INC Common Stock 17275R102 104,869 1,654,865 SH   DFND 23 1,654,865 0 0
CITIGROUP INC COM NEW Common Stock 172967424 795 13,169 SH   DFND 2 13,169 0 0
CLOROX COMPANY Common Stock 189054109 4,236 24,294 SH   DFND 23 24,294 0 0
COCA-COLA CO/THE Common Stock 191216100 80,848 1,365,443 SH   DFND 23 1,365,443 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 14,794 173,362 SH   DFND 23 173,362 0 0
CUMMINS INC Common Stock 231021106 9,485 43,482 SH   DFND 23 43,482 0 0
DOVER CORP Common Stock 260003108 1,846 10,167 SH   DFND 23 10,167 0 0
EBAY INC Common Stock 278642103 1,461 21,969 SH   DFND 23 21,969 0 0
EMERSON ELECTRIC CO Common Stock 291011104 19,799 212,962 SH   DFND 23 212,962 0 0
FASTENAL CO Common Stock 311900104 9,635 150,393 SH   DFND 23 150,393 0 0
FORTUNE BRANDS HOME & SECURI Common Stock 34964C106 1,885 17,631 SH   DFND 23 17,631 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 3,509 16,830 SH   DFND 23 16,830 0 0
GENERAL MILLS INC Common Stock 370334104 12,388 183,849 SH   DFND 23 183,849 0 0
GENUINE PARTS CO Common Stock 372460105 11,367 81,074 SH   DFND 23 81,074 0 0
GILEAD SCIENCES INC Common Stock 375558103 12,837 176,788 SH   DFND 23 176,788 0 0
HP INC Common Stock 40434L105 6,805 180,646 SH   DFND 23 180,646 0 0
HERSHEY CO/THE Common Stock 427866108 7,952 41,099 SH   DFND 23 41,099 0 0
HOME DEPOT INC Common Stock 437076102 89,623 215,954 SH   DFND 23 215,954 0 0
HONEYWELL INTERNATIONAL INC Common Stock 438516106 8,686 41,660 SH   DFND 23 41,660 0 0
HUNTINGTON INGALLS INDUSTRIE Common Stock 446413106 3,385 18,124 SH   DFND 23 18,124 0 0
ILLINOIS TOOL WORKS Common Stock 452308109 15,167 61,456 SH   DFND 23 61,456 0 0
INTEL CORP Common Stock 458140100 50,134 973,459 SH   DFND 23 973,459 0 0
INTL BUSINESS MACHINES CORP Common Stock 459200101 47,595 356,093 SH   DFND 23 356,093 0 0
ISHARES TIPS BOND ETF ETP 464287176 6,412 49,632 SH   DFND   49,632 0 0
ISHARES CORE S&P 500 ETF ETP 464287200 1,442,092 3,023,321 SH   DFND 2,23 3,023,321 0 0
ISHARES S&P 500 GROWTH ETF ETP 464287309 6,110 73,027 SH   DFND   73,027 0 0
ISHARES S&P 500 VALUE ETF ETP 464287408 1,772 11,312 SH   DFND   11,312 0 0
ISHARES CORE S&P MIDCAP ETF ETP 464287507 353,928 1,250,277 SH   DFND 2,23 1,250,277 0 0
ISHARES CORE S&P SMALL-CAP ETF ETP 464287804 3,676 32,101 SH   DFND 2 32,101 0 0
ISHARES NATIONAL MUNI BOND ETF ETP 464288414 3,890 33,450 SH   DFND 2 33,450 0 0
ISHARES IBOXX $ HIGH YIELD ETP 464288513 4,847 55,711 SH   DFND 2 55,711 0 0
ISHARES TR CORE MSCI EAFE ETF ETP 46432F842 815,353 10,923,815 SH   DFND 2,23 10,923,815 0 0
ISHARES CORE MSCI EMERGING ETP 46434G103 338,953 5,662,429 SH   DFND 2,23 5,662,429 0 0
JOHNSON & JOHNSON Common Stock 478160104 109,358 639,261 SH   DFND 23 639,261 0 0
KLA CORP Common Stock 482480100 15,569 36,197 SH   DFND 23 36,197 0 0
KELLOGG CO Common Stock 487836108 2,039 31,646 SH   DFND 23 31,646 0 0
KIMBERLY-CLARK CORP Common Stock 494368103 23,044 161,240 SH   DFND 23 161,240 0 0
KROGER CO Common Stock 501044101 3,870 85,519 SH   DFND 23 85,519 0 0
LAM RESEARCH CORP Common Stock 512807108 15,694 21,823 SH   DFND 23 21,823 0 0
ELI LILLY & CO Common Stock 532457108 34,430 124,647 SH   DFND 23 124,647 0 0
LOCKHEED MARTIN CORP Common Stock 539830109 28,379 79,848 SH   DFND 23 79,848 0 0
LOWE'S COS INC Common Stock 548661107 27,189 105,188 SH   DFND 23 105,188 0 0
MCDONALD'S CORP Common Stock 580135101 41,074 153,223 SH   DFND 23 153,223 0 0
MERCK & CO. INC. Common Stock 58933Y105 48,611 634,275 SH   DFND 23 634,275 0 0
MOTOROLA SOLUTIONS INC Common Stock 620076307 2,737 10,073 SH   DFND 23 10,073 0 0
NRG ENERGY INC Common Stock 629377508 1,785 41,450 SH   DFND 23 41,450 0 0
NETAPP INC Common Stock 64110D104 5,317 57,795 SH   DFND 23 57,795 0 0
OMNICOM GROUP Common Stock 681919106 7,758 105,873 SH   DFND 23 105,873 0 0
ORACLE CORP Common Stock 68389X105 25,460 291,931 SH   DFND 23 291,931 0 0
PAYCHEX INC Common Stock 704326107 14,962 109,615 SH   DFND 23 109,615 0 0
PEPSICO INC Common Stock 713448108 67,954 391,189 SH   DFND 23 391,189 0 0
PFIZER INC Common Stock 717081103 28,467 482,080 SH   DFND 23 482,080 0 0
PHILIP MORRIS INTERNATIONAL Common Stock 718172109 54,274 571,309 SH   DFND 23 571,309 0 0
PHILLIPS 66 Common Stock 718546104 3,844 53,051 SH   DFND 23 53,051 0 0
T ROWE PRICE GROUP INC Common Stock 74144T108 7,606 38,676 SH   DFND 23 38,676 0 0
PROCTER & GAMBLE CO/THE Common Stock 742718109 106,250 649,529 SH   DFND 23 649,529 0 0
QUALCOMM INC Common Stock 747525103 42,299 231,311 SH   DFND 23 231,311 0 0
ROGERS COMMUNICATIONS INC-B Common Stock 775109200 16,543 348,938 SH   DFND 23 348,938 0 0
ROYAL BANK OF CANADA Common Stock 780087102 16,942 159,632 SH   DFND 23 159,632 0 0
SPDR PORTFOLIO SHORT TERMCORPORATE ETP 78464A474 3,945 127,387 SH   DFND 2 127,387 0 0
SKYWORKS SOLUTIONS INC Common Stock 83088M102 1,700 10,962 SH   DFND 23 10,962 0 0
STARBUCKS CORP Common Stock 855244109 19,428 166,095 SH   DFND 2,23 166,095 0 0
SYSCO CORP Common Stock 871829107 11,023 140,331 SH   DFND 23 140,331 0 0
TARGET CORP Common Stock 87612E106 23,028 99,495 SH   DFND 23 99,495 0 0
TEXAS INSTRUMENTS INC Common Stock 882508104 47,998 254,671 SH   DFND 23 254,671 0 0
3M CO Common Stock 88579Y101 46,050 259,245 SH   DFND 23 259,245 0 0
TORONTO-DOMINION BANK Common Stock 891160509 19,018 248,055 SH   DFND 23 248,055 0 0
TRUECAR INC Common Stock 89785L107 30,746 9,042,993 SH   DFND 23 9,042,993 0 0
UNION PACIFIC CORP Common Stock 907818108 29,956 118,909 SH   DFND 23 118,909 0 0
UNITED PARCEL SERVICE-CL B Common Stock 911312106 43,947 205,029 SH   DFND 23 205,029 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 60,143 119,773 SH   DFND 23 119,773 0 0
VANECK HIGH YIELD MUNI ETF ETP 92189H409 1,857 29,741 SH   DFND 2 29,741 0 0
MFC VANGUARD SPECIALIZED FUNDS S&P U S DIVID GROWERS INDEX ETF SHS ETP 921908844 18,752 112,666 SH   DFND   112,666 0 0
VANGUARD TOTAL INTL STOCK ETP 921909768 27,313 429,647 SH   DFND   429,647 0 0
VANGUARD SHORT-TERM BOND ETF ETP 921937827 75,755 937,218 SH   DFND   937,218 0 0
VANGUARD BD INDEX FD INC TOTAL BD ETP 921937835 48,557 572,945 SH   DFND 2 572,945 0 0
MFC VANGUARD WHITEHALL FDS HIGH DIVIDEND YIELD ETF SHS ETP 921946406 18,779 171,407 SH   DFND   171,407 0 0
MFC VANGUARD INTL EQUITY INDEX FDS VANGUARD FTSE ALL WORLD EX US ETF ETP 922042775 70,428 1,150,433 SH   DFND   1,150,433 0 0
VANGUARD S/T CORP BOND ETF ETP 92206C409 20,280 249,573 SH   DFND   249,573 0 0
VANGUARD LONG-TERM CORP BOND ETP 92206C813 20,360 192,362 SH   DFND   192,362 0 0
VANGUARD INT-TERM CORPORATE ETP 92206C870 20,143 217,153 SH   DFND   217,153 0 0
VANGUARD S&P 500 ETF ETP 922908363 123,355 282,555 SH   DFND   282,555 0 0
VANGUARD EXTENDED MARKET ETF ETP 922908652 38,595 211,062 SH   DFND   211,062 0 0
MFC VANGUARD INDEX FDS TOTAL STOCK MARKET ETF ETP 922908769 10,313 46,441 SH   DFND   46,441 0 0
VERIZON COMMUNICATIONS INC COM Common Stock 92343V104 46,917 902,969 SH   DFND 2,23 902,969 0 0
MFC VICTORY PORTFOLIOS II SHARES USAA CORE INTERMEDIATE TERM BOND ETP 92647N527 89,329 1,685,174 SH   DFND   1,685,174 0 0
WALMART INC Common Stock 931142103 25,617 177,054 SH   DFND 23 177,054 0 0
WASTE MANAGEMENT INC Common Stock 94106L109 7,072 42,370 SH   DFND 23 42,370 0 0
WESTERN UNION CO Common Stock 959802109 3,807 213,396 SH   DFND 23 213,396 0 0
HEALTHPEAK PROPERTIES INC COM REIT 42250P103 374 10,376 SH   DFND 2 10,376 0 0
BOOZ ALLEN HAMILTON HOLDINGS Common Stock 099502106 955 11,269 SH   DFND 23 11,269 0 0
ISHARES SHORT-TERM NATIONAL MUNI ETP 464288158 1,609 14,990 SH   DFND 2 14,990 0 0
INDEXIQ ETF TR IQ MERGER ARBITRAGE ETP 45409B800 1,584 49,117 SH   DFND 2 49,117 0 0
VANGUARD SCOTTSDALE FDS VANGUARD ETP 92206C771 3,268 61,843 SH   DFND 2 61,843 0 0
VANGUARD MALVERN FDS SHORT-TERM ETP 922020805 2,019 39,282 SH   DFND 2 39,282 0 0
PRINCIPAL EXCHANGE TRADED FDS ETP 74255Y888 1,982 97,737 SH   DFND 2 97,737 0 0
SEAGATE TECHNOLOGY HOLDINGS Common Stock G7997R103 9,767 86,455 SH   DFND 23 86,455 0 0
ISHARES GOLD TR ISHARES NEW ETP 464285204 4,644 133,423 SH   DFND 2 133,423 0 0
COINBASE GLOBAL INC -CLASS A Common Stock 19260Q107 136,280 540,000 SH   DFND 29 540,000 0 0
ISHARES MSCI ACWI ETF ETP 464288257 171,349 1,619,861 SH   DFND   1,619,861 0 0