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
AT&T INC COM Common Stock 00206R102 395 13,047 SH   DFND 2 13,047 0 0
ABBVIE INC Common Stock 00287Y109 59,560 550,460 SH   DFND 23 550,460 0 0
ACTIVISION BLIZZARD INC COM Common Stock 00507V109 1,066 11,465 SH   DFND 2 11,465 0 0
AIR PRODUCTS & CHEMICALS INC Common Stock 009158106 6,519 23,162 SH   DFND 23 23,162 0 0
ALLSTATE CORP COM Common Stock 020002101 1,603 13,947 SH   DFND 2 13,947 0 0
ALTRIA GROUP INC Common Stock 02209S103 30,423 594,535 SH   DFND 23 594,535 0 0
AMERIPRISE FINANCIAL INC Common Stock 03076C106 2,786 11,983 SH   DFND 23 11,983 0 0
AMGEN INC Common Stock 031162100 31,371 126,090 SH   DFND 23 126,090 0 0
APPLE INC COM Common Stock 037833100 4,956 40,571 SH   DFND 2 40,571 0 0
APPLIED MATERIALS INC Common Stock 038222105 4,979 37,272 SH   DFND 23 37,272 0 0
AUTOMATIC DATA PROCESSING Common Stock 053015103 5,745 30,479 SH   DFND 23 30,479 0 0
BANK OF AMERICA CORP COM Common Stock 060505104 2,117 54,708 SH   DFND 2 54,708 0 0
IPATH BLOOMBERG COMMODITY IN ETP 06738C778 2,206 93,428 SH   DFND   93,428 0 0
BEST BUY CO INC Common Stock 086516101 6,639 57,824 SH   DFND 23 57,824 0 0
BLACKROCK INC Common Stock 09247X101 16,248 21,551 SH   DFND 23 21,551 0 0
BORGWARNER INC Common Stock 099724106 3,554 76,714 SH   DFND 23 76,714 0 0
BRISTOL-MYERS SQUIBB CO Common Stock 110122108 13,762 218,011 SH   DFND 23 218,011 0 0
C.H. ROBINSON WORLDWIDE INC Common Stock 12541W209 2,352 24,658 SH   DFND 23 24,658 0 0
CSX CORP Common Stock 126408103 1,425 14,790 SH   DFND 23 14,790 0 0
CANADIAN PACIFIC RAILWAY LTD Common Stock 13645T100 9,738 25,495 SH   DFND 23 25,495 0 0
CARDINAL HEALTH INC Common Stock 14149Y108 3,304 54,381 SH   DFND 23 54,381 0 0
CATERPILLAR INC Common Stock 149123101 33,046 142,353 SH   DFND 23 142,353 0 0
CELANESE CORP Common Stock 150870103 1,683 11,235 SH   DFND 23 11,235 0 0
CERNER CORP COM Common Stock 156782104 759 10,563 SH   DFND 2 10,563 0 0
CHEVRON CORP NEW COM Common Stock 166764100 1,570 14,983 SH   DFND 2 14,983 0 0
CISCO SYSTEMS INC Common Stock 17275R102 69,598 1,346,181 SH   DFND 23 1,346,181 0 0
CITIGROUP INC COM NEW Common Stock 172967424 2,304 31,666 SH   DFND 2 31,666 0 0
CLOROX COMPANY Common Stock 189054109 8,117 42,080 SH   DFND 23 42,080 0 0
COCA-COLA CO/THE Common Stock 191216100 63,175 1,198,301 SH   DFND 23 1,198,301 0 0
COLGATE-PALMOLIVE CO Common Stock 194162103 13,102 166,255 SH   DFND 23 166,255 0 0
CUMMINS INC Common Stock 231021106 8,021 30,952 SH   DFND 23 30,952 0 0
DOVER CORP Common Stock 260003108 1,394 10,167 SH   DFND 23 10,167 0 0
EOG RES INC COM Common Stock 26875P101 1,110 15,303 SH   DFND 2 15,303 0 0
EBAY INC Common Stock 278642103 1,345 21,969 SH   DFND 23 21,969 0 0
EMERSON ELECTRIC CO Common Stock 291011104 14,484 160,544 SH   DFND 23 160,544 0 0
FASTENAL CO Common Stock 311900104 6,873 136,729 SH   DFND 23 136,729 0 0
FORTUNE BRANDS HOME & SECURI Common Stock 34964C106 4,265 44,513 SH   DFND 23 44,513 0 0
GENERAL DYNAMICS CORP Common Stock 369550108 5,905 32,520 SH   DFND 23 32,520 0 0
GENERAL MILLS INC Common Stock 370334104 6,997 114,115 SH   DFND 23 114,115 0 0
GENUINE PARTS CO Common Stock 372460105 4,470 38,676 SH   DFND 23 38,676 0 0
GOLDMAN SACHS ACTIVEBETA INT ETP 381430107 16,385 496,539 SH   DFND 23 496,539 0 0
GOLDMAN SACHS ACTIVEBETA EM ETP 381430206 24,175 613,117 SH   DFND 23 613,117 0 0
GOLDMAN ACTIVEBETA US LC ETF ETP 381430503 105,948 1,339,759 SH   DFND 23 1,339,759 0 0
HP INC Common Stock 40434L105 4,076 128,413 SH   DFND 23 128,413 0 0
HASBRO INC COM Common Stock 418056107 1,682 17,504 SH   DFND 2 17,504 0 0
HERSHEY CO/THE Common Stock 427866108 6,627 41,904 SH   DFND 23 41,904 0 0
HOME DEPOT INC Common Stock 437076102 53,949 176,581 SH   DFND 23 176,581 0 0
HONEYWELL INTERNATIONAL INC COM Common Stock 438516106 9,216 42,452 SH   DFND 2,23 42,452 0 0
HORMEL FOODS CORP Common Stock 440452100 1,069 22,376 SH   DFND 23 22,376 0 0
HUNTINGTON INGALLS INDUSTRIE Common Stock 446413106 2,408 11,707 SH   DFND 23 11,707 0 0
ILLINOIS TOOL WORKS Common Stock 452308109 10,597 47,818 SH   DFND 23 47,818 0 0
INTEL CORP Common Stock 458140100 47,823 747,227 SH   DFND 23 747,227 0 0
INTL BUSINESS MACHINES CORP Common Stock 459200101 27,248 204,467 SH   DFND 23 204,467 0 0
INVESCO FTSE RAFI US 1000 ET ETP 46137V613 109,437 722,163 SH   DFND 23 722,163 0 0
ISHARES TIPS BOND ETF ETP 464287176 5,271 41,994 SH   DFND   41,994 0 0
ISHARES CORE S&P 500 ETF ETP 464287200 47,617 119,696 SH   DFND 2 119,696 0 0
ISHARES S&P 500 GROWTH ETF ETP 464287309 9,400 144,353 SH   DFND   144,353 0 0
ISHARES CORE S&P MID-CAP ETF ETP 464287507 9,238 35,491 SH   DFND 2 35,491 0 0
ISHARES CORE S&P SMALL-CAP ETF ETP 464287804 3,354 30,907 SH   DFND 2 30,907 0 0
ISHARES NATIONAL MUNI BOND ETF ETP 464288414 8,575 73,892 SH   DFND 2 73,892 0 0
ISHARES IBOXX $ HIGH YIELD ETP 464288513 8,871 101,758 SH   DFND 2 101,758 0 0
ISHARES MSCI EAFE GROWTH ETF ETP 464288885 14,608 145,409 SH   DFND 2 145,409 0 0
ISHARES MSCI USA QUALITY FAC ETP 46432F339 119,279 980,273 SH   DFND 23 980,273 0 0
ISHARES MSCI USA VALUE FACTO ETP 46432F388 53,213 519,346 SH   DFND 23 519,346 0 0
ISHARES MSCI USA MOMENTUM FA ETP 46432F396 94,558 587,831 SH   DFND 23 587,831 0 0
ISHARES TR CORE MSCI EAFE ETF ETP 46432F842 44,165 612,965 SH   DFND 2,23 612,965 0 0
ISHARES INC CORE MSCI EMKT ETP 46434G103 5,335 82,897 SH   DFND 2 82,897 0 0
ISHARES MSCI INTL MOMENTUM F ETP 46434V449 20,584 548,014 SH   DFND 23 548,014 0 0
JOHNSON & JOHNSON COM Common Stock 478160104 78,078 475,376 SH   DFND 2,23 475,376 0 0
KLA CORP Common Stock 482480100 12,148 36,767 SH   DFND 23 36,767 0 0
KELLOGG CO Common Stock 487836108 2,092 33,050 SH   DFND 23 33,050 0 0
KIMBERLY-CLARK CORP Common Stock 494368103 6,287 45,212 SH   DFND 23 45,212 0 0
KROGER CO Common Stock 501044101 3,077 85,519 SH   DFND 23 85,519 0 0
LAM RESEARCH CORP Common Stock 512807108 13,372 22,465 SH   DFND 23 22,465 0 0
ELI LILLY & CO Common Stock 532457108 19,850 106,318 SH   DFND 23 106,318 0 0
LOCKHEED MARTIN CORP Common Stock 539830109 17,746 48,036 SH   DFND 23 48,036 0 0
LOWE'S COS INC Common Stock 548661107 15,279 80,336 SH   DFND 23 80,336 0 0
MAGNA INTERNATIONAL INC Common Stock 559222401 10,124 115,104 SH   DFND 23 115,104 0 0
MASCO CORP COM Common Stock 574599106 1,443 24,087 SH   DFND 2 24,087 0 0
MAXIM INTEGRATED PRODUCTS Common Stock 57772K101 3,533 38,668 SH   DFND 23 38,668 0 0
MCDONALD'S CORP Common Stock 580135101 28,098 125,379 SH   DFND 23 125,379 0 0
MERCK & CO. INC. Common Stock 58933Y105 30,939 401,342 SH   DFND 2,23 401,342 0 0
MICROSOFT CORP COM Common Stock 594918104 5,044 21,393 SH   DFND 2 21,393 0 0
MORGAN STANLEY COM NEW Common Stock 617446448 1,293 16,653 SH   DFND 2 16,653 0 0
MOTOROLA SOLUTIONS INC Common Stock 620076307 1,894 10,073 SH   DFND 23 10,073 0 0
NETAPP INC Common Stock 64110D104 1,309 18,013 SH   DFND 23 18,013 0 0
NUCOR CORP Common Stock 670346105 1,071 13,341 SH   DFND 23 13,341 0 0
OMNICOM GROUP Common Stock 681919106 1,623 21,880 SH   DFND 23 21,880 0 0
ORACLE CORP Common Stock 68389X105 15,067 214,722 SH   DFND 23 214,722 0 0
PAYCHEX INC Common Stock 704326107 10,914 111,379 SH   DFND 23 111,379 0 0
PEPSICO INC COM Common Stock 713448108 41,156 291,011 SH   DFND 2,23 291,011 0 0
PFIZER INC COM Common Stock 717081103 35,015 966,452 SH   DFND 2,23 966,452 0 0
PHILIP MORRIS INTERNATIONAL Common Stock 718172109 52,015 585,826 SH   DFND 23 585,826 0 0
PHILLIPS 66 Common Stock 718546104 12,593 154,415 SH   DFND 23 154,415 0 0
T ROWE PRICE GROUP INC Common Stock 74144T108 5,525 32,228 SH   DFND 23 32,228 0 0
PRINCIPAL FINANCIAL GROUP Common Stock 74251V102 611 10,204 SH   DFND 23 10,204 0 0
PROCTER & GAMBLE CO/THE Common Stock 742718109 58,338 430,480 SH   DFND 2,23 430,480 0 0
PROGRESSIVE CORP Common Stock 743315103 3,558 37,218 SH   DFND 23 37,218 0 0
QUALCOMM INC Common Stock 747525103 26,315 198,470 SH   DFND 23 198,470 0 0
ROGERS COMMUNICATIONS INC-B Common Stock 775109200 1,015 22,025 SH   DFND 23 22,025 0 0
ROYAL BANK OF CANADA Common Stock 780087102 16,013 173,707 SH   DFND 23 173,707 0 0
SPDR PORTFOLIO SHORT TERMCORPORATE ETP 78464A474 9,248 295,373 SH   DFND 2 295,373 0 0
SCHWAB FUNDAMENTAL EM L/C ETP 808524730 31,701 1,031,310 SH   DFND 23 1,031,310 0 0
SCHWAB FUNDAMENTAL INTL L/C ETP 808524755 134,923 4,203,201 SH   DFND 23 4,203,201 0 0
SKYWORKS SOLUTIONS INC Common Stock 83088M102 2,011 10,962 SH   DFND 23 10,962 0 0
STARBUCKS CORP Common Stock 855244109 16,920 154,908 SH   DFND 2,23 154,908 0 0
SYSCO CORP Common Stock 871829107 10,213 129,655 SH   DFND 23 129,655 0 0
TARGET CORP Common Stock 87612E106 20,119 101,578 SH   DFND 23 101,578 0 0
TELUS CORP Common Stock 87971M103 828 41,600 SH   DFND 23 41,600 0 0
TEXAS INSTRUMENTS INC COM Common Stock 882508104 40,831 216,109 SH   DFND 2,23 216,109 0 0
3M CO Common Stock 88579Y101 42,090 218,414 SH   DFND 23 218,414 0 0
TORONTO-DOMINION BANK Common Stock 891160509 16,172 248,055 SH   DFND 23 248,055 0 0
TRUECAR INC Common Stock 89785L107 43,226 9,042,993 SH   DFND 23 9,042,993 0 0
UNION PACIFIC CORP Common Stock 907818108 19,736 89,538 SH   DFND 23 89,538 0 0
UNITED PARCEL SERVICE-CL B Common Stock 911312106 29,057 170,933 SH   DFND 23 170,933 0 0
UNITEDHEALTH GROUP INC Common Stock 91324P102 35,456 95,169 SH   DFND 23 95,169 0 0
VANECK VECTORS HIGH YIELD MUNI ETF ETP 92189H409 3,142 50,553 SH   DFND 2 50,553 0 0
MFC VANGUARD SPECIALIZED FUNDS VANGUARD DIVIDEND APPRECIATION ETF ETP 921908844 17,767 120,789 SH   DFND   120,789 0 0
VANGUARD TOTAL INTL STOCK ETP 921909768 27,871 444,660 SH   DFND   444,660 0 0
VANGUARD SHORT-TERM BOND ETF ETP 921937827 102,900 1,251,983 SH   DFND   1,251,983 0 0
VANGUARD BD INDEX FD INC TOTAL BD ETP 921937835 67,409 795,844 SH   DFND 2 795,844 0 0
VANGUARD FTSE DEVELOPED ETF ETP 921943858 1,040,656 21,194,639 SH   DFND 23 21,194,639 0 0
VANGUARD HIGH DVD YIELD ETF ETP 921946406 856,453 8,478,748 SH   DFND   8,478,748 0 0
MFC VANGUARD INTL EQUITY INDEX FDS VANGUARD FTSE ALL WORLD EX US ETF ETP 922042775 72,424 1,193,541 SH   DFND   1,193,541 0 0
VANGUARD FTSE EMERGING MARKE ETP 922042858 71,371 1,371,993 SH   DFND 23 1,371,993 0 0
VANGUARD S/T CORP BOND ETF ETP 92206C409 19,374 234,926 SH   DFND   234,926 0 0
VANGUARD LONG-TERM CORP BOND ETP 92206C813 18,673 184,568 SH   DFND   184,568 0 0
VANGUARD INT-TERM CORPORATE ETP 92206C870 18,941 203,869 SH   DFND   203,869 0 0
VANGUARD S&P 500 ETF ETP 922908363 174,775 479,752 SH   DFND 23 479,752 0 0
VANGUARD EXTENDED MARKET ETF ETP 922908652 41,441 234,426 SH   DFND   234,426 0 0
MFC VANGUARD INDEX FDS TOTAL STOCK MARKET ETF ETP 922908769 11,294 54,643 SH   DFND   54,643 0 0
VERIZON COMMUNICATIONS INC COM Common Stock 92343V104 31,185 536,460 SH   DFND 2,23 536,460 0 0
MFC VICTORY PORTFOLIOS II SHARES USAA CORE INTERMEDIATE TERM BOND ETP 92647N527 78,825 1,490,646 SH   DFND   1,490,646 0 0
MFC VICTORY PORTFOLIOS II SHARES USAA CORE SHORT TERM BOND ETF ETP 92647N535 2,697 52,120 SH   DFND   52,120 0 0
VICTORYSHARES USAA MSCI EMER ETP 92647N543 52,569 1,083,675 SH   DFND 23 1,083,675 0 0
VICTORYSHARES USAA MSCI INTE ETP 92647N550 75,212 1,564,955 SH   DFND 23 1,564,955 0 0
VICTORYSHARES USAA MSCI INTE ETP 92647N568 31,175 457,708 SH   DFND 23 457,708 0 0
VICTORYSHARES USAA MSCI USA ETP 92647N576 105,313 1,716,598 SH   DFND 23 1,716,598 0 0
VISA INC COM CL A Common Stock 92826C839 2,393 11,304 SH   DFND 2 11,304 0 0
WALMART INC Common Stock 931142103 15,378 113,206 SH   DFND 23 113,206 0 0
WALGREENS BOOTS ALLIANCE INC Common Stock 931427108 3,665 66,775 SH   DFND 23 66,775 0 0
WASTE MANAGEMENT INC Common Stock 94106L109 5,467 42,370 SH   DFND 23 42,370 0 0
WESTERN UNION CO Common Stock 959802109 1,765 71,572 SH   DFND 23 71,572 0 0
XILINX INC Common Stock 983919101 1,695 13,679 SH   DFND 23 13,679 0 0
BOOZ ALLEN HAMILTON HOLDINGS Common Stock 099502106 907 11,269 SH   DFND 23 11,269 0 0
ISHARES MSCI INTERNATIONAL Q ETP 46434V456 26,636 731,370 SH   DFND 23 731,370 0 0
ALPHA ARCHI INTL QT VLU ETF ETP 02072L201 5,057 175,754 SH   DFND 23 175,754 0 0
ALPHA INTL QUANT MOM ETF ETP 02072L300 6,142 182,672 SH   DFND 23 182,672 0 0
JPMORGAN US QUALITY FACTOR ETP 46641Q761 45,322 1,203,445 SH   DFND 23 1,203,445 0 0
ISHARES SHORT-TERM NATIONAL MUNI ETP 464288158 3,079 28,559 SH   DFND 2 28,559 0 0
SELECT SECTOR SPDR TR MATLS ETP 81369Y100 1,524 19,340 SH   DFND 2 19,340 0 0
INDEXIQ ETF TR IQ MERGER ARBITRAGE ETP 45409B800 3,926 119,162 SH   DFND 2 119,162 0 0
VANGUARD SCOTTSDALE FDS VANGUARD ETP 92206C771 9,123 170,946 SH   DFND 2 170,946 0 0
VANGUARD MALVERN FDS SHORT-TERM ETP 922020805 4,089 79,346 SH   DFND 2 79,346 0 0
ISHARES US REAL ESTATE ETF ETP 464287739 108,422 1,179,783 SH   DFND   1,179,783 0 0
VIATRIS INC Common Stock 92556V106 1,659 118,665 SH   DFND 23 118,665 0 0
WHIRLPOOL CORP Common Stock 963320106 2,838 12,877 SH   DFND 23 12,877 0 0
ISHARES GOLD TR ETP 464285105 8,722 536,400 SH   DFND 2 536,400 0 0
PRINCIPAL EXCHANGE TRADED FDS ETP 74255Y888 1,656 81,276 SH   DFND 2 81,276 0 0