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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
APPLE INC COM 037833100   530,960 2,737 SH   DFND   0 2,737 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   201,190 590 SH   DFND   0 590 0
BRIGHTSPIRE CAPITAL INC COM CL A 10949T109   106,785 15,867 SH   DFND   0 15,867 0
COSTAR GROUP INC COM 22160N109   325,740 3,660 SH   DFND   0 3,660 0
FIDELITY COVINGTON TRUST STOCK FOR INFL 316092386   13,419 409 SH   DFND   0 409 0
FIDELITY COVINGTON TRUST HIGH YILD ETF 316092618   4,746 102 SH   DFND   0 102 0
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824   407,946 8,141 SH   DFND   0 8,141 0
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101   360,075 25,429 SH   DFND   0 25,429 0
FS CREDIT OPPORTUNITIES CORP COMMON STOCK 30290Y101   210,929 44,406 SH   DFND   0 44,406 0
FS KKR CAP CORP COM 302635206   268,352 13,991 SH   DFND   0 13,991 0
GLOBAL NET LEASE INC COM NEW 379378201   243,772 23,713 SH   DFND   0 23,713 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664   65,551 578 SH   DFND   0 578 0
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   478,240 5,978 SH   DFND   0 5,978 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706   30,925 433 SH   DFND   0 433 0
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134   1,846 46 SH   DFND   0 46 0
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217   5,274 27 SH   DFND   0 27 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   142,889 409 SH   DFND   0 409 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL UTL 46137V274   1,374,796 12,434 SH   DFND   0 12,434 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   166,623 567 SH   DFND   0 567 0
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   25,115 281 SH   DFND   0 281 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   2,272 14 SH   DFND   0 14 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324   60,328 295 SH   DFND   0 295 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   134,071 450 SH   DFND   0 450 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340   8,040 157 SH   DFND   0 157 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   152,857 1,021 SH   DFND   0 1,021 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365   343,363 5,017 SH   DFND   0 5,017 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   8,538 51 SH   DFND   0 51 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   11,999 87 SH   DFND   0 87 0
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   7,152 154 SH   DFND   0 154 0
INVESCO EXCHANGE TRADED FD T GLOBAL DRGN CN 46137V571   4,927 185 SH   DFND   0 185 0
INVESCO EXCHANGE TRADED FD T DYNMC MEDIA 46137V696   3,735 108 SH   DFND   0 108 0
INVESCO EXCHANGE TRADED FD T DYNMC MKT ETF 46137V712   2,787 24 SH   DFND   0 24 0
INVESCO QQQ TR UNIT SER 1 46090E103   850,035 2,301 SH   DFND   0 2,301 0
ISHARES TR CORE S&P TTL STK 464287150   664,040 6,787 SH   DFND   0 6,787 0
ISHARES TR SELECT DIVID ETF 464287168   655,554 5,786 SH   DFND   0 5,786 0
ISHARES TR TIPS BD ETF 464287176   1,830 17 SH   DFND   0 17 0
ISHARES TR CORE S&P500 ETF 464287200   1,352,476 3,034 SH   DFND   0 3,034 0
ISHARES TR CORE US AGGBD ET 464287226   11,068 113 SH   DFND   0 113 0
ISHARES TR MSCI EMG MKT ETF 464287234   67,845 1,715 SH   DFND   0 1,715 0
ISHARES TR GLOBAL TECH ETF 464287291   20,025 322 SH   DFND   0 322 0
ISHARES TR S&P 500 GRWT ETF 464287309   241,183 3,422 SH   DFND   0 3,422 0
ISHARES TR GLOBAL ENERG ETF 464287341   219,710 5,903 SH   DFND   0 5,903 0
ISHARES TR LATN AMER 40 ETF 464287390   4,755 175 SH   DFND   0 175 0
ISHARES TR S&P 500 VAL ETF 464287408   1,160,407 7,199 SH   DFND   0 7,199 0
ISHARES TR MSCI EAFE ETF 464287465   287,680 3,968 SH   DFND   0 3,968 0
ISHARES TR RUS MDCP VAL ETF 464287473   6,481 59 SH   DFND   0 59 0
ISHARES TR RUS MD CP GR ETF 464287481   22,418 232 SH   DFND   0 232 0
ISHARES TR RUS MID CAP ETF 464287499   29,358 402 SH   DFND   0 402 0
ISHARES TR EXPANDED TECH 464287515   3,459 10 SH   DFND   0 10 0
ISHARES TR COHEN STEER REIT 464287564   16,671 300 SH   DFND   0 300 0
ISHARES TR GLOBAL 100 ETF 464287572   38,334 504 SH   DFND   0 504 0
ISHARES TR US CONSUM DISCRE 464287580   2,064 29 SH   DFND   0 29 0
ISHARES TR RUS 1000 VAL ETF 464287598   19,097 121 SH   DFND   0 121 0
ISHARES TR S&P MC 400GR ETF 464287606   124,725 1,663 SH   DFND   0 1,663 0
ISHARES TR RUS 2000 VAL ETF 464287630   2,394 17 SH   DFND   0 17 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,124 6 SH   DFND   0 6 0
ISHARES TR CORE S&P US VLU 464287663   21,835 279 SH   DFND   0 279 0
ISHARES TR U.S. UTILITS ETF 464287697   10,955 134 SH   DFND   0 134 0
ISHARES TR S&P MC 400VL ETF 464287705   1,451,504 13,549 SH   DFND   0 13,549 0
ISHARES TR US TELECOM ETF 464287713   2,674 121 SH   DFND   0 121 0
ISHARES TR U.S. TECH ETF 464287721   74,140 681 SH   DFND   0 681 0
ISHARES TR U.S. REAL ES ETF 464287739   41,885 484 SH   DFND   0 484 0
ISHARES TR US INDUSTRIALS 464287754   25,238 238 SH   DFND   0 238 0
ISHARES TR US HLTHCARE ETF 464287762   1,538,866 5,491 SH   DFND   0 5,491 0
ISHARES TR U.S. FINLS ETF 464287788   31,858 427 SH   DFND   0 427 0
ISHARES TR U.S. ENERGY ETF 464287796   114,854 2,681 SH   DFND   0 2,681 0
ISHARES TR US CONSM STAPLES 464287812   1,206,146 6,022 SH   DFND   0 6,022 0
ISHARES TR U.S. BAS MTL ETF 464287838   1,152,080 8,659 SH   DFND   0 8,659 0
ISHARES TR DOW JONES US ETF 464287846   623,331 5,754 SH   DFND   0 5,754 0
ISHARES TR SP SMCP600VL ETF 464287879   951,946 10,011 SH   DFND   0 10,011 0
ISHARES TR S&P SML 600 GWT 464287887   7,011 61 SH   DFND   0 61 0
MAIN STR CAP CORP COM 56035L104   289,221 7,225 SH   DFND   0 7,225 0
META PLATFORMS INC CL A 30303M102   290,137 1,011 SH   DFND   0 1,011 0
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   1,508,415 44,261 SH   DFND   0 44,261 0
PROSHARES TR S&P 500 DV ARIST 74348A467   828,452 8,787 SH   DFND   0 8,787 0
REALTY INCOME CORP COM 756109104   436,613 7,302 SH   DFND   0 7,302 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   5,696,523 110,184 SH   DFND   0 110,184 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,287,951 62,783 SH   DFND   0 62,783 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   199,742 2,665 SH   DFND   0 2,665 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,513,349 22,557 SH   DFND   0 22,557 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   101,769 1,433 SH   DFND   0 1,433 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   67,540 1,542 SH   DFND   0 1,542 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,650 67 SH   DFND   0 67 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   26,658 623 SH   DFND   0 623 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   76,134 2,844 SH   DFND   0 2,844 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   27,834 862 SH   DFND   0 862 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   54,839 1,087 SH   DFND   0 1,087 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   228,035 3,961 SH   DFND   0 3,961 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   22,526 397 SH   DFND   0 397 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,746,801 24,054 SH   DFND   0 24,054 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   877 19 SH   DFND   0 19 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,981,418 41,228 SH   DFND   0 41,228 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   11,797 225 SH   DFND   0 225 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   3,812 46 SH   DFND   0 46 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   54,685 412 SH   DFND   0 412 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   488,706 6,589 SH   DFND   0 6,589 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   146,268 1,802 SH   DFND   0 1,802 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   4,315 128 SH   DFND   0 128 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   2,468 23 SH   DFND   0 23 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   32,860 189 SH   DFND   0 189 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   2,408 37 SH   DFND   0 37 0
SOUTHWEST AIRLS CO COM 844741108   380,458 10,507 SH   DFND   0 10,507 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   37,289 376 SH   DFND   0 376 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   662,823 12,295 SH   DFND   0 12,295 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   8,769 167 SH   DFND   0 167 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,923,933 6,596 SH   DFND   0 6,596 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   36,048 467 SH   DFND   0 467 0
SPDR SER TR BBG CONV SEC ETF 78464A359   151,302 2,163 SH   DFND   0 2,163 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   2,216 69 SH   DFND   0 69 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   41,558 962 SH   DFND   0 962 0
SPDR SER TR S&P TRANSN ETF 78464A532   8,793 105 SH   DFND   0 105 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   9,568 320 SH   DFND   0 320 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   12,815 453 SH   DFND   0 453 0
SPDR SER TR PORTFOLI S&P1500 78464A805   81,388 1,495 SH   DFND   0 1,495 0
SPDR SER TR S&P 400 MDCP GRW 78464A821   47,862 668 SH   DFND   0 668 0
SPDR SER TR PORTFOLIO S&P500 78464A854   53,413 1,025 SH   DFND   0 1,025 0
SPDR SER TR S&P BIOTECH 78464A870   10,566 127 SH   DFND   0 127 0
TESLA INC COM 88160R101   201,563 770 SH   DFND   0 770 0
THE NECESSITY RETAIL REIT IN COM CLASS A 02607T109   99,832 14,768 SH   DFND   0 14,768 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   334,784 822 SH   DFND   0 822 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,013 29 SH   DFND   0 29 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   31,757 192 SH   DFND   0 192 0
VANGUARD INDEX FDS MID CAP ETF 922908629   20,695 94 SH   DFND   0 94 0
VANGUARD INDEX FDS GROWTH ETF 922908736   16,129 57 SH   DFND   0 57 0
VANGUARD INDEX FDS VALUE ETF 922908744   1,467,325 10,326 SH   DFND   0 10,326 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   40,752 185 SH   DFND   0 185 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   429,169 1,753 SH   DFND   0 1,753 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   18,087 88 SH   DFND   0 88 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   1,543,682 10,858 SH   DFND   0 10,858 0