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
ABBOTT LABS COM Stock 002824100   240 2,182 SH   DFND 1,2 0 0 2,182
ADOBE INC COM Stock 00724F101   1,375 2,304 SH   DFND 1,2 0 0 2,304
AFFILIATED MANAGERS GROUP INC COM Stock 008252108   200 1,319 SH   DFND 1,2 0 0 1,319
AMAZON COM INC COM Stock 023135106   648 4,263 SH   DFND 1,2 0 0 4,263
APARTMENT INVT & MGMT CO CL A REIT 03748R747   698 89,185 SH   DFND 1,2 0 0 89,185
APPLE INC COM Stock 037833100   2,106 10,937 SH   DFND 1,2 0 0 10,937
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   517 2,205 SH   DFND 1,2 0 0 2,205
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   522 1,464 SH   DFND 1,2 0 0 1,464
BLACKROCK CORE BD TR SHS BEN INT CEF 09249E101   359 32,940 SH   DFND 1,2 0 0 32,940
BLACKROCK INCOME TR INC COM NEW CEF 09247F209   362 29,756 SH   DFND 1,2 0 0 29,756
BOEING CO COM Stock 097023105   306 1,175 SH   DFND 1,2 0 0 1,175
CATERPILLAR INC COM Stock 149123101   710 2,400 SH   DFND 1,2 0 0 2,400
D R HORTON INC COM Stock 23331A109   745 4,901 SH   DFND 1,2 0 0 4,901
EMERSON ELEC CO COM Stock 291011104   200 2,052 SH   DFND 1,2 0 0 2,052
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF ETF 33740F888   33,585 1,357,527 SH   DFND 1,2 0 0 1,357,527
GOLDMAN SACHS GROUP INC COM Stock 38141G104   1,035 2,683 SH   DFND 1,2 0 0 2,683
Impact Shares Affordable Housing MBS ETF ETF 45259R103   595 34,512 SH   DFND 1,2 0 0 34,512
INTEL CORP COM Stock 458140100   201 4,003 SH   DFND 1,2 0 0 4,003
INTUIT COM Stock 461202103   606 969 SH   DFND 1,2 0 0 969
INVESCO S&P SMALLCAP MOMENTUM ETF ETF 46137V498   1,670 29,468 SH   DFND 1,2 0 0 29,468
INVESCO S&P SMALLCAP VALUE WITH MOMENTUM ETF ETF 46137V480   1,625 30,000 SH   DFND 1,2 0 0 30,000
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   9,669 265,984 SH   DFND 1,2 0 0 265,984
ISHARES BROAD USD INVESTMENT GRADE CORPORATE BOND ETF ETF 464288620   3,184 62,113 SH   DFND 1,2 0 0 62,113
ISHARES COHEN & STEERS REIT ETF ETF 464287564   552 9,406 SH   DFND 1,2 0 0 9,406
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   1,332 26,339 SH   DFND 1,2 0 0 26,339
ISHARES CORE S&P 500 ETF ETF 464287200   2,224 4,656 SH   DFND 1,2 0 0 4,656
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   33,601 319,314 SH   DFND 1,2 0 0 319,314
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   1,410 14,212 SH   DFND 1,2 0 0 14,212
ISHARES EXPONENTIAL TECHNOLOGIES ETF ETF 46434V381   210 3,511 SH   DFND 1,2 0 0 3,511
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   1,316 16,999 SH   DFND 1,2 0 0 16,999
ISHARES INTERNATIONAL EQUITY FACTOR ETF ETF 46434V274   68,301 2,436,714 SH   DFND 1,2 0 0 2,436,714
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN ETF ETF 464288182   3,036 45,599 SH   DFND 1,2 0 0 45,599
ISHARES MSCI EAFE ETF ETF 464287465   7,695 102,121 SH   DFND 1,2 0 0 102,121
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689   947 13,653 SH   DFND 1,2 0 0 13,653
ISHARES MSCI EMERGING MARKETS ASIA ETF ETF 464286426   1,443 21,830 SH   DFND 1,2 0 0 21,830
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF ETF 464286533   308 5,548 SH   DFND 1,2 0 0 5,548
ISHARES MSCI GLOBAL SUSTAINABLE DEVELOPMENT GOALS ETF ETF 46435G532   728 8,980 SH   DFND 1,2 0 0 8,980
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   12,663 337,142 SH   DFND 1,2 0 0 337,142
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   2,130 27,299 SH   DFND 1,2 0 0 27,299
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   243 1,648 SH   DFND 1,2 0 0 1,648
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   1,703 15,707 SH   DFND 1,2 0 0 15,707
ISHARES RUSSELL 1000 ETF ETF 464287622   443 1,690 SH   DFND 1,2 0 0 1,690
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   5,613 18,516 SH   DFND 1,2 0 0 18,516
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,190 25,359 SH   DFND 1,2 0 0 25,359
ISHARES RUSSELL 3000 ETF ETF 464287689   2,776 10,140 SH   DFND 1,2 0 0 10,140
ISHARES RUSSELL MIDCAP ETF ETF 464287499   5,832 75,024 SH   DFND 1,2 0 0 75,024
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   4,581 43,850 SH   DFND 1,2 0 0 43,850
ISHARES S&P 500 GROWTH ETF ETF 464287309   2,152 28,651 SH   DFND 1,2 0 0 28,651
ISHARES S&P 500 VALUE ETF ETF 464287408   2,390 13,742 SH   DFND 1,2 0 0 13,742
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282   90,649 1,877,176 SH   DFND 1,2 0 0 1,877,176
KRONOS WORLDWIDE INC COM Stock 50105F105   275 27,695 SH   DFND 1,2 0 0 27,695
LAUDER ESTEE COS INC CL A Stock 518439104   446 3,047 SH   DFND 1,2 0 0 3,047
MASTERCARD INCORPORATED CL A Stock 57636Q104   2,546 5,970 SH   DFND 1,2 0 0 5,970
MFS INTER INCOME TR SH BEN INT CEF 55273C107   351 130,836 SH   DFND 1,2 0 0 130,836
MICROSOFT CORP COM Stock 594918104   2,061 5,480 SH   DFND 1,2 0 0 5,480
NETAPP INC COM Stock 64110D104   378 4,282 SH   DFND 1,2 0 0 4,282
NUVEEN ESG EMERGING MARKETS EQUITY ETF ETF 67092P888   967 35,892 SH   DFND 1,2 0 0 35,892
NUVEEN ESG INTERNATIONAL DEVELOPED MARKETS EQUITY ETF ETF 67092P805   397 13,479 SH   DFND 1,2 0 0 13,479
NUVEEN ESG LARGE-CAP ETF ETF 67092P862   1,663 42,688 SH   DFND 1,2 0 0 42,688
QUANTUM COMPUTING INC COM Stock 74766W108   15 16,000 SH   DFND 1,2 0 0 16,000
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,537 27,615 SH   DFND 1,2 0 0 27,615
SPDR GOLD SHARES ETF 78463V107   1,171 6,127 SH   DFND 1,2 0 0 6,127
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812   103,707 784,951 SH   DFND 1,2 0 0 784,951
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   418 16,321 SH   DFND 1,2 0 0 16,321
SPDR S&P 500 ETF TRUST ETF 78462F103   14,755 30,918 SH   DFND 1,2 0 0 30,918
SPDR S&P GLOBAL NATURAL RESOURCES ETF ETF 78463X541   712 12,566 SH   DFND 1,2 0 0 12,566
STARBUCKS CORP COM Stock 855244109   313 3,257 SH   DFND 1,2 0 0 3,257
SYSCO CORP COM Stock 871829107   578 7,908 SH   DFND 1,2 0 0 7,908
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   453 2,356 SH   DFND 1,2 0 0 2,356
UNITEDHEALTH GROUP INC COM Stock 91324P102   1,600 3,040 SH   DFND 1,2 0 0 3,040
USA COMPRESSION PARTNERS LP COMUNIT LTDPAR Stock 90290N109   704 30,837 SH   DFND 1,2 0 0 30,837
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   18,050 321,516 SH   DFND 1,2 0 0 321,516
VANGUARD FTSE EUROPE ETF ETF 922042874   1,616 25,057 SH   DFND 1,2 0 0 25,057
VANGUARD FTSE PACIFIC ETF ETF 922042866   1,488 20,665 SH   DFND 1,2 0 0 20,665
VANGUARD GROWTH ETF ETF 922908736   219 705 SH   DFND 1,2 0 0 705
VANGUARD MID-CAP ETF ETF 922908629   254 1,091 SH   DFND 1,2 0 0 1,091
VANGUARD RUSSELL 3000 ETF ETF 92206C599   3,554 16,701 SH   DFND 1,2 0 0 16,701
VANGUARD S&P 500 ETF ETF 922908363   1,212 2,775 SH   DFND 1,2 0 0 2,775
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   943 16,164 SH   DFND 1,2 0 0 16,164
VANGUARD SMALL-CAP ETF ETF 922908751   376 1,761 SH   DFND 1,2 0 0 1,761
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   1,132 19,534 SH   DFND 1,2 0 0 19,534
VISA INC COM CL A Stock 92826C839   1,811 6,956 SH   DFND 1,2 0 0 6,956
VISTA GOLD CORP COM NEW Stock 927926303   5 10,000 SH   DFND 1,2 0 0 10,000