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
AT&T INC COM 00206R102   180 9,366 SH   DFND 1 0 0 9,366
AT&T INC COM 00206R102   25 1,317 SH   SOLE   0 0 1,317
ARK ETF TR INNOVATION ETF 00214Q104   20 497 SH   SOLE   0 0 497
ARK ETF TR INNOVATION ETF 00214Q104   231 5,732 SH   DFND 1 0 0 5,732
ABBOTT LABS COM 002824100   211 2,079 SH   DFND 1 0 0 2,079
ABBOTT LABS COM 002824100   16 161 SH   SOLE   0 0 161
ABBVIE INC COM 00287Y109   24 151 SH   SOLE   0 0 151
ABBVIE INC COM 00287Y109   256 1,605 SH   DFND 1 0 0 1,605
ADOBE SYSTEMS INCORPORATED COM 00724F101   345 895 SH   DFND 1 0 0 895
ADOBE SYSTEMS INCORPORATED COM 00724F101   1 2 SH   SOLE   0 0 2
ALPHABET INC CAP STK CL A 02079K305   10,611 102,296 SH   SOLE   0 0 102,296
ALPHABET INC CAP STK CL A 02079K305   32,343 311,803 SH   DFND 1 0 0 311,803
AMAZON COM INC COM 023135106   33,841 327,630 SH   DFND 1 0 0 327,630
AMAZON COM INC COM 023135106   10,824 104,793 SH   SOLE   0 0 104,793
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   1,367 23,964 SH   SOLE   0 0 23,964
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   3,774 66,174 SH   DFND 1 0 0 66,174
AMGEN INC COM 031162100   21 86 SH   DFND 1 0 0 86
AMGEN INC COM 031162100   640 2,648 SH   SOLE   0 0 2,648
ELEVANCE HEALTH INC COM 036752103   1,020 2,218 SH   DFND 1 0 0 2,218
APPLE INC COM 037833100   40,510 245,666 SH   DFND 1 0 0 245,666
APPLE INC COM 037833100   13,749 83,379 SH   SOLE   0 0 83,379
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   349 22,481 SH   DFND 1 0 0 22,481
APPLIED MATLS INC COM 038222105   8,664 70,540 SH   DFND 1 0 0 70,540
APPLIED MATLS INC COM 038222105   3,185 25,930 SH   SOLE   0 0 25,930
AUTOMATIC DATA PROCESSING IN COM 053015103   197 884 SH   SOLE   0 0 884
AUTOMATIC DATA PROCESSING IN COM 053015103   47 210 SH   DFND 1 0 0 210
AVID BIOSERVICES INC COM 05368M106   239 12,715 SH   SOLE   0 0 12,715
BANK AMERICA CORP COM 060505104   103 3,603 SH   SOLE   0 0 3,603
BANK AMERICA CORP COM 060505104   128 4,461 SH   DFND 1 0 0 4,461
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   585 1,894 SH   DFND 1 0 0 1,894
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   187 606 SH   SOLE   0 0 606
BLACKROCK INC COM 09247X101   2,878 4,301 SH   SOLE   0 0 4,301
BLACKROCK INC COM 09247X101   7,654 11,438 SH   DFND 1 0 0 11,438
BOEING CO COM 097023105   263 1,239 SH   DFND 1 0 0 1,239
BOEING CO COM 097023105   161 757 SH   SOLE   0 0 757
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   582 6,278 SH   SOLE   0 0 6,278
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   1,572 16,962 SH   DFND 1 0 0 16,962
BROADCOM INC COM 11135F101   33,076 51,557 SH   DFND 1 0 0 51,557
BROADCOM INC COM 11135F101   10,758 16,770 SH   SOLE   0 0 16,770
CDW CORP COM 12514G108   653 3,352 SH   SOLE   0 0 3,352
CDW CORP COM 12514G108   1,692 8,683 SH   DFND 1 0 0 8,683
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   39,530 1,759,998 SH   DFND 1 0 0 1,759,998
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   15,584 693,872 SH   SOLE   0 0 693,872
CHARLES RIV LABS INTL INC COM 159864107   603 2,986 SH   SOLE   0 0 2,986
CHARLES RIV LABS INTL INC COM 159864107   1,572 7,791 SH   DFND 1 0 0 7,791
CHEVRON CORP NEW COM 166764100   29,938 183,488 SH   DFND 1 0 0 183,488
CHEVRON CORP NEW COM 166764100   9,769 59,871 SH   SOLE   0 0 59,871
CISCO SYS INC COM 17275R102   3,311 63,338 SH   SOLE   0 0 63,338
CISCO SYS INC COM 17275R102   8,919 170,609 SH   DFND 1 0 0 170,609
CITIZENS FINL GROUP INC COM 174610105   1,470 48,393 SH   DFND 1 0 0 48,393
CITIZENS FINL GROUP INC COM 174610105   545 17,955 SH   SOLE   0 0 17,955
COINBASE GLOBAL INC COM CL A 19260Q107   7 97 SH   SOLE   0 0 97
COINBASE GLOBAL INC COM CL A 19260Q107   528 7,818 SH   DFND 1 0 0 7,818
CROWDSTRIKE HLDGS INC CL A 22788C105   523 3,812 SH   DFND 1 0 0 3,812
DEERE & CO COM 244199105   31,086 75,291 SH   DFND 1 0 0 75,291
DEERE & CO COM 244199105   10,240 24,801 SH   SOLE   0 0 24,801
DICKS SPORTING GOODS INC COM 253393102   628 4,429 SH   SOLE   0 0 4,429
DICKS SPORTING GOODS INC COM 253393102   1,728 12,178 SH   DFND 1 0 0 12,178
DIGITAL MEDIA SOLUTIONS INC COM CL A 25401G106   15 13,162 SH   DFND 1 0 0 13,162
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   108 2,245 SH   DFND 1 0 0 2,245
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   192 3,967 SH   SOLE   0 0 3,967
DISNEY WALT CO COM 254687106   9,687 96,741 SH   SOLE   0 0 96,741
DISNEY WALT CO COM 254687106   29,070 290,321 SH   DFND 1 0 0 290,321
DOLLAR TREE INC COM 256746108   1,636 11,396 SH   DFND 1 0 0 11,396
DOLLAR TREE INC COM 256746108   596 4,150 SH   SOLE   0 0 4,150
DOMINION ENERGY INC COM 25746U109   349 6,235 SH   DFND 1 0 0 6,235
EAST WEST BANCORP INC COM 27579R104   377 6,790 SH   SOLE   0 0 6,790
EPAM SYS INC COM 29414B104   608 2,034 SH   SOLE   0 0 2,034
EPAM SYS INC COM 29414B104   1,658 5,546 SH   DFND 1 0 0 5,546
EXXON MOBIL CORP COM 30231G102   1,319 12,030 SH   DFND 1 0 0 12,030
EXXON MOBIL CORP COM 30231G102   124 1,127 SH   SOLE   0 0 1,127
META PLATFORMS INC CL A 30303M102   63 299 SH   SOLE   0 0 299
META PLATFORMS INC CL A 30303M102   354 1,670 SH   DFND 1 0 0 1,670
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   6,966 136,770 SH   DFND 1 0 0 136,770
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   185 3,639 SH   SOLE   0 0 3,639
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740F722   55 1,425 SH   SOLE   0 0 1,425
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740F722   538 14,047 SH   DFND 1 0 0 14,047
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   206,329 4,578,974 SH   DFND 1 0 0 4,578,974
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   39,052 866,672 SH   SOLE   0 0 866,672
FORD MTR CO DEL COM 345370860   11 900 SH   SOLE   0 0 900
FORD MTR CO DEL COM 345370860   758 60,186 SH   DFND 1 0 0 60,186
FREEPORT-MCMORAN INC CL B 35671D857   8,170 199,712 SH   DFND 1 0 0 199,712
FREEPORT-MCMORAN INC CL B 35671D857   3,024 73,930 SH   SOLE   0 0 73,930
GALLAGHER ARTHUR J & CO COM 363576109   1,324 6,921 SH   SOLE   0 0 6,921
GALLAGHER ARTHUR J & CO COM 363576109   23 119 SH   DFND 1 0 0 119
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   226 13,177 SH   DFND 1 0 0 13,177
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   3,302 107,189 SH   DFND 1 0 0 107,189
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   1,119 36,319 SH   SOLE   0 0 36,319
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   75,122 924,918 SH   SOLE   0 0 924,918
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   249,240 3,068,697 SH   DFND 1 0 0 3,068,697
HOME DEPOT INC COM 437076102   359 1,217 SH   DFND 1 0 0 1,217
HOME DEPOT INC COM 437076102   25 85 SH   SOLE   0 0 85
INVESCO QQQ TR UNIT SER 1 46090E103   336 1,046 SH   SOLE   0 0 1,046
INVESCO QQQ TR UNIT SER 1 46090E103   1,256 3,913 SH   DFND 1 0 0 3,913
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   302 2,001 SH   DFND 1 0 0 2,001
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   252 1,670 SH   SOLE   0 0 1,670
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   398 9,438 SH   DFND 1 0 0 9,438
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   890 42,773 SH   DFND 1 0 0 42,773
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   87 4,181 SH   SOLE   0 0 4,181
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   243 12,607 SH   DFND 1 0 0 12,607
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   243 12,703 SH   DFND 1 0 0 12,703
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   244 12,036 SH   DFND 1 0 0 12,036
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   245 11,893 SH   DFND 1 0 0 11,893
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   250 11,865 SH   DFND 1 0 0 11,865
ISHARES GOLD TR ISHARES NEW 464285204   74 1,969 SH   DFND 1 0 0 1,969
ISHARES GOLD TR ISHARES NEW 464285204   311 8,322 SH   SOLE   0 0 8,322
ISHARES INC EM MKTS DIV ETF 464286319   1,538 62,687 SH   SOLE   0 0 62,687
ISHARES INC EM MKTS DIV ETF 464286319   4,829 196,782 SH   DFND 1 0 0 196,782
ISHARES TR CORE S&P500 ETF 464287200   412 1,003 SH   DFND 1 0 0 1,003
ISHARES TR CORE S&P500 ETF 464287200   8 19 SH   SOLE   0 0 19
ISHARES TR CORE US AGGBD ET 464287226   1,241 12,451 SH   SOLE   0 0 12,451
ISHARES TR CORE US AGGBD ET 464287226   1,681 16,867 SH   DFND 1 0 0 16,867
ISHARES TR IBOXX INV CP ETF 464287242   1,712 15,617 SH   SOLE   0 0 15,617
ISHARES TR S&P 500 GRWT ETF 464287309   2,137 33,454 SH   SOLE   0 0 33,454
ISHARES TR S&P 500 GRWT ETF 464287309   2,139 33,474 SH   DFND 1 0 0 33,474
ISHARES TR 1 3 YR TREAS BD 464287457   41 501 SH   DFND 1 0 0 501
ISHARES TR 1 3 YR TREAS BD 464287457   309 3,767 SH   SOLE   0 0 3,767
ISHARES TR RUS MID CAP ETF 464287499   325 4,644 SH   DFND 1 0 0 4,644
ISHARES TR EXPND TEC SC ETF 464287549   53,928 158,930 SH   DFND 1 0 0 158,930
ISHARES TR EXPND TEC SC ETF 464287549   17,733 52,261 SH   SOLE   0 0 52,261
ISHARES TR S&P MC 400GR ETF 464287606   2,769 38,729 SH   SOLE   0 0 38,729
ISHARES TR S&P MC 400GR ETF 464287606   1,380 19,301 SH   DFND 1 0 0 19,301
ISHARES TR RUS 1000 GRW ETF 464287614   298 1,218 SH   DFND 1 0 0 1,218
ISHARES TR RUS 1000 GRW ETF 464287614   30 123 SH   SOLE   0 0 123
ISHARES TR RUS 1000 ETF 464287622   385 1,708 SH   DFND 1 0 0 1,708
ISHARES TR S&P MC 400VL ETF 464287705   1,352 13,154 SH   DFND 1 0 0 13,154
ISHARES TR S&P MC 400VL ETF 464287705   2,718 26,445 SH   SOLE   0 0 26,445
ISHARES TR CORE S&P SCP ETF 464287804   397 4,102 SH   SOLE   0 0 4,102
ISHARES TR CORE S&P SCP ETF 464287804   3,609 37,322 SH   DFND 1 0 0 37,322
ISHARES TR SP SMCP600VL ETF 464287879   348 3,720 SH   DFND 1 0 0 3,720
ISHARES TR SP SMCP600VL ETF 464287879   582 6,218 SH   SOLE   0 0 6,218
ISHARES TR S&P SML 600 GWT 464287887   634 5,765 SH   SOLE   0 0 5,765
ISHARES TR S&P SML 600 GWT 464287887   376 3,418 SH   DFND 1 0 0 3,418
ISHARES TR GL CLEAN ENE ETF 464288224   1,142 57,732 SH   DFND 1 0 0 57,732
ISHARES TR GL CLEAN ENE ETF 464288224   43 2,180 SH   SOLE   0 0 2,180
ISHARES TR INTL SEL DIV ETF 464288448   3,062 111,390 SH   SOLE   0 0 111,390
ISHARES TR INTL SEL DIV ETF 464288448   13,624 495,604 SH   DFND 1 0 0 495,604
ISHARES TR US AER DEF ETF 464288760   490 4,257 SH   DFND 1 0 0 4,257
ISHARES TR U.S. MED DVC ETF 464288810   521 9,651 SH   DFND 1 0 0 9,651
ISHARES TR FLTG RATE NT ETF 46429B655   496 9,847 SH   DFND 1 0 0 9,847
ISHARES TR MSCI USA VALUE 46432F388   7,798 84,224 SH   DFND 1 0 0 84,224
ISHARES TR MSCI USA VALUE 46432F388   349 3,774 SH   SOLE   0 0 3,774
ISHARES TR MSCI USA MMENTM 46432F396   280 2,012 SH   DFND 1 0 0 2,012
ISHARES TR US SML CAP EQT 46434V290   816 15,924 SH   DFND 1 0 0 15,924
ISHARES TR US SML CAP EQT 46434V290   287 5,602 SH   SOLE   0 0 5,602
ISHARES TR CORE MSCI INTL 46435G326   22,718 375,698 SH   SOLE   0 0 375,698
ISHARES TR CORE MSCI INTL 46435G326   11,852 196,001 SH   DFND 1 0 0 196,001
ISHARES TR ESG AW MSCI EAFE 46435G516   190 2,648 SH   DFND 1 0 0 2,648
ISHARES TR ESG AW MSCI EAFE 46435G516   136 1,889 SH   SOLE   0 0 1,889
ISHARES TR BROAD USD HIGH 46435U853   63 1,765 SH   SOLE   0 0 1,765
ISHARES TR BROAD USD HIGH 46435U853   649 18,255 SH   DFND 1 0 0 18,255
JPMORGAN CHASE & CO COM 46625H100   617 4,739 SH   DFND 1 0 0 4,739
JPMORGAN CHASE & CO COM 46625H100   60 464 SH   SOLE   0 0 464
JABIL INC COM 466313103   686 7,777 SH   SOLE   0 0 7,777
JABIL INC COM 466313103   1,881 21,333 SH   DFND 1 0 0 21,333
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,576 28,870 SH   DFND 1 0 0 28,870
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   24 442 SH   SOLE   0 0 442
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   733 18,465 SH   SOLE   0 0 18,465
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   2,734 68,912 SH   DFND 1 0 0 68,912
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   779 16,275 SH   DFND 1 0 0 16,275
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206   286 5,974 SH   SOLE   0 0 5,974
JOHNSON & JOHNSON COM 478160104   107 688 SH   SOLE   0 0 688
JOHNSON & JOHNSON COM 478160104   560 3,616 SH   DFND 1 0 0 3,616
LABORATORY CORP AMER HLDGS COM NEW 50540R409   1,664 7,254 SH   DFND 1 0 0 7,254
LABORATORY CORP AMER HLDGS COM NEW 50540R409   611 2,665 SH   SOLE   0 0 2,665
LOWES COS INC COM 548661107   43 213 SH   SOLE   0 0 213
LOWES COS INC COM 548661107   265 1,324 SH   DFND 1 0 0 1,324
MASTERCARD INCORPORATED CL A 57636Q104   31,492 86,658 SH   DFND 1 0 0 86,658
MASTERCARD INCORPORATED CL A 57636Q104   10,166 27,974 SH   SOLE   0 0 27,974
MCKESSON CORP COM 58155Q103   9,814 27,564 SH   SOLE   0 0 27,564
MCKESSON CORP COM 58155Q103   30,127 84,616 SH   DFND 1 0 0 84,616
MERCK & CO INC COM 58933Y105   8,309 78,098 SH   DFND 1 0 0 78,098
MERCK & CO INC COM 58933Y105   3,090 29,040 SH   SOLE   0 0 29,040
METLIFE INC COM 59156R108   9,350 161,379 SH   SOLE   0 0 161,379
METLIFE INC COM 59156R108   28,525 492,327 SH   DFND 1 0 0 492,327
MICROSOFT CORP COM 594918104   36,255 125,754 SH   DFND 1 0 0 125,754
MICROSOFT CORP COM 594918104   11,663 40,454 SH   SOLE   0 0 40,454
MORGAN STANLEY COM NEW 617446448   9,548 108,750 SH   SOLE   0 0 108,750
MORGAN STANLEY COM NEW 617446448   29,293 333,631 SH   DFND 1 0 0 333,631
NEWS CORP NEW CL A 65249B109   1,675 97,005 SH   DFND 1 0 0 97,005
NEWS CORP NEW CL A 65249B109   612 35,440 SH   SOLE   0 0 35,440
NEXTERA ENERGY INC COM 65339F101   9,698 125,822 SH   SOLE   0 0 125,822
NEXTERA ENERGY INC COM 65339F101   29,629 384,393 SH   DFND 1 0 0 384,393
NORFOLK SOUTHN CORP COM 655844108   307 1,447 SH   DFND 1 0 0 1,447
NVIDIA CORPORATION COM 67066G104   1,222 4,401 SH   DFND 1 0 0 4,401
NVIDIA CORPORATION COM 67066G104   58 209 SH   SOLE   0 0 209
NUVEEN AMT FREE MUN CR INC F COM 67071L106   562 47,697 SH   DFND 1 0 0 47,697
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   394 7,072 SH   DFND 1 0 0 7,072
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   160 2,862 SH   SOLE   0 0 2,862
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   135 3,971 SH   SOLE   0 0 3,971
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   388 11,394 SH   DFND 1 0 0 11,394
OREILLY AUTOMOTIVE INC COM 67103H107   32,334 38,086 SH   DFND 1 0 0 38,086
OREILLY AUTOMOTIVE INC COM 67103H107   10,543 12,418 SH   SOLE   0 0 12,418
OUTLOOK THERAPEUTICS INC COM NEW 69012T206   17 15,732 SH   DFND 1 0 0 15,732
PEPSICO INC COM 713448108   1,887 10,350 SH   DFND 1 0 0 10,350
PEPSICO INC COM 713448108   683 3,746 SH   SOLE   0 0 3,746
PERKINELMER INC COM 714046109   517 3,876 SH   DFND 1 0 0 3,876
PFIZER INC COM 717081103   270 6,623 SH   DFND 1 0 0 6,623
PFIZER INC COM 717081103   11 273 SH   SOLE   0 0 273
PHILIP MORRIS INTL INC COM 718172109   71 729 SH   SOLE   0 0 729
PHILIP MORRIS INTL INC COM 718172109   159 1,631 SH   DFND 1 0 0 1,631
PIMCO MUN INCOME FD COM 72200R107   487 48,971 SH   DFND 1 0 0 48,971
PIMCO ETF TR INTER MUN BD ACT 72201R866   243 4,645 SH   DFND 1 0 0 4,645
PIMCO ETF TR INTER MUN BD ACT 72201R866   0 1 SH   SOLE   0 0 1
PROCTER AND GAMBLE CO COM 742718109   10,547 70,935 SH   SOLE   0 0 70,935
PROCTER AND GAMBLE CO COM 742718109   32,353 217,589 SH   DFND 1 0 0 217,589
PROLOGIS INC. COM 74340W103   8,530 68,362 SH   DFND 1 0 0 68,362
PROLOGIS INC. COM 74340W103   3,097 24,822 SH   SOLE   0 0 24,822
SPDR S&P 500 ETF TR TR UNIT 78462F103   349 853 SH   SOLE   0 0 853
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,924 7,142 SH   DFND 1 0 0 7,142
SPDR GOLD TR GOLD SHS 78463V107   221 1,208 SH   DFND 1 0 0 1,208
SPDR GOLD TR GOLD SHS 78463V107   283 1,545 SH   SOLE   0 0 1,545
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   11,488 336,606 SH   SOLE   0 0 336,606
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   5,460 159,974 SH   DFND 1 0 0 159,974
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   140,105 4,361,932 SH   DFND 1 0 0 4,361,932
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   38,123 1,186,903 SH   SOLE   0 0 1,186,903
SPDR SER TR NYSE TECH ETF 78464A102   77 636 SH   SOLE   0 0 636
SPDR SER TR NYSE TECH ETF 78464A102   186 1,531 SH   DFND 1 0 0 1,531
SPDR SER TR S&P 600 SMCP GRW 78464A201   32,883 445,868 SH   DFND 1 0 0 445,868
SPDR SER TR S&P 600 SMCP GRW 78464A201   9,433 127,905 SH   SOLE   0 0 127,905
SPDR SER TR S&P 600 SMCP VAL 78464A300   4,438 58,263 SH   SOLE   0 0 58,263
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,471 32,431 SH   DFND 1 0 0 32,431
SPDR SER TR PORTFOLIO AGRGTE 78464A649   5,260 203,951 SH   DFND 1 0 0 203,951
SPDR SER TR PORTFOLIO AGRGTE 78464A649   501 19,442 SH   SOLE   0 0 19,442
SPDR SER TR S&P 400 MDCP GRW 78464A821   2,479 36,220 SH   SOLE   0 0 36,220
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,326 19,375 SH   DFND 1 0 0 19,375
SPDR SER TR S&P 400 MDCP VAL 78464A839   1,450 21,945 SH   DFND 1 0 0 21,945
SPDR SER TR S&P 400 MDCP VAL 78464A839   2,425 36,694 SH   SOLE   0 0 36,694
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   55,568 1,354,327 SH   SOLE   0 0 1,354,327
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   208,411 5,079,480 SH   DFND 1 0 0 5,079,480
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   17 50 SH   DFND 1 0 0 50
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   185 556 SH   SOLE   0 0 556
SPDR SER TR S&P OILGAS EXP 78468R556   340 2,663 SH   DFND 1 0 0 2,663
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   149 3,074 SH   DFND 1 0 0 3,074
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   61 1,266 SH   SOLE   0 0 1,266
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   241 9,822 SH   DFND 1 0 0 9,822
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   879 18,052 SH   DFND 1 0 0 18,052
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   284 5,844 SH   SOLE   0 0 5,844
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   18,930 344,690 SH   SOLE   0 0 344,690
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   112,198 2,042,944 SH   DFND 1 0 0 2,042,944
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   539 15,497 SH   DFND 1 0 0 15,497
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   52,523 405,711 SH   DFND 1 0 0 405,711
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   16,939 130,846 SH   SOLE   0 0 130,846
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   17,516 234,452 SH   SOLE   0 0 234,452
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   53,834 720,579 SH   DFND 1 0 0 720,579
SELECT SECTOR SPDR TR ENERGY 81369Y506   332 4,009 SH   DFND 1 0 0 4,009
SELECT SECTOR SPDR TR ENERGY 81369Y506   30 358 SH   SOLE   0 0 358
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   83 2,586 SH   SOLE   0 0 2,586
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   732 22,756 SH   DFND 1 0 0 22,756
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   2,751 27,189 SH   DFND 1 0 0 27,189
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   999 9,876 SH   SOLE   0 0 9,876
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   16,358 241,662 SH   SOLE   0 0 241,662
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   50,660 748,415 SH   DFND 1 0 0 748,415
TESLA INC COM 88160R101   743 3,583 SH   DFND 1 0 0 3,583
TESLA INC COM 88160R101   182 877 SH   SOLE   0 0 877
THERMO FISHER SCIENTIFIC INC COM 883556102   10,387 18,021 SH   SOLE   0 0 18,021
THERMO FISHER SCIENTIFIC INC COM 883556102   31,952 55,437 SH   DFND 1 0 0 55,437
TRUIST FINL CORP COM 89832Q109   252 7,398 SH   DFND 1 0 0 7,398
UNITEDHEALTH GROUP INC COM 91324P102   506 1,070 SH   DFND 1 0 0 1,070
UNITEDHEALTH GROUP INC COM 91324P102   109 232 SH   SOLE   0 0 232
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   170 1,106 SH   SOLE   0 0 1,106
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   753 4,888 SH   DFND 1 0 0 4,888
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   995 13,476 SH   DFND 1 0 0 13,476
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   48 650 SH   SOLE   0 0 650
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,358 140,758 SH   SOLE   0 0 140,758
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,564 189,600 SH   DFND 1 0 0 189,600
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   4,058 38,462 SH   DFND 1 0 0 38,462
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   636 6,031 SH   SOLE   0 0 6,031
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   3,485 56,257 SH   SOLE   0 0 56,257
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   15,298 246,935 SH   DFND 1 0 0 246,935
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   376 7,032 SH   DFND 1 0 0 7,032
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,903 71,867 SH   DFND 1 0 0 71,867
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,324 107,038 SH   SOLE   0 0 107,038
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   9 116 SH   SOLE   0 0 116
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   218 2,793 SH   DFND 1 0 0 2,793
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,167 4,892 SH   DFND 1 0 0 4,892
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,571 4,076 SH   DFND 1 0 0 4,076
VANGUARD WORLD FDS INF TECH ETF 92204A702   0 1 SH   SOLE   0 0 1
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   14 37 SH   SOLE   0 0 37
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   573 1,525 SH   DFND 1 0 0 1,525
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   535 3,990 SH   DFND 1 0 0 3,990
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   545 4,068 SH   SOLE   0 0 4,068
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   547 2,805 SH   SOLE   0 0 2,805
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   710 3,641 SH   DFND 1 0 0 3,641
VANGUARD INDEX FDS SML CP GRW ETF 922908595   454 2,098 SH   DFND 1 0 0 2,098
VANGUARD INDEX FDS SML CP GRW ETF 922908595   500 2,312 SH   SOLE   0 0 2,312
VANGUARD INDEX FDS GROWTH ETF 922908736   38,206 153,166 SH   SOLE   0 0 153,166
VANGUARD INDEX FDS GROWTH ETF 922908736   132,342 530,555 SH   DFND 1 0 0 530,555
VANGUARD INDEX FDS VALUE ETF 922908744   14,672 106,237 SH   DFND 1 0 0 106,237
VANGUARD INDEX FDS VALUE ETF 922908744   21,592 156,336 SH   SOLE   0 0 156,336
VANGUARD INDEX FDS SMALL CP ETF 922908751   63 333 SH   SOLE   0 0 333
VANGUARD INDEX FDS SMALL CP ETF 922908751   449 2,367 SH   DFND 1 0 0 2,367
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,215 10,851 SH   DFND 1 0 0 10,851
VANGUARD INDEX FDS TOTAL STK MKT 922908769   64 313 SH   SOLE   0 0 313
VISA INC COM CL A 92826C839   28 122 SH   SOLE   0 0 122
VISA INC COM CL A 92826C839   365 1,620 SH   DFND 1 0 0 1,620
WALMART INC COM 931142103   405 2,749 SH   DFND 1 0 0 2,749
WALMART INC COM 931142103   54 364 SH   SOLE   0 0 364
WASTE CONNECTIONS INC COM 94106B101   631 4,537 SH   SOLE   0 0 4,537
WASTE CONNECTIONS INC COM 94106B101   1,745 12,548 SH   DFND 1 0 0 12,548
WISDOMTREE TR EMER MKT HIGH FD 97717W315   5,779 152,632 SH   DFND 1 0 0 152,632
WISDOMTREE TR EMER MKT HIGH FD 97717W315   866 22,862 SH   SOLE   0 0 22,862
WISDOMTREE TR US MIDCAP DIVID 97717W505   941 22,962 SH   SOLE   0 0 22,962
WISDOMTREE TR US MIDCAP DIVID 97717W505   4,538 110,725 SH   DFND 1 0 0 110,725
WISDOMTREE TR US SMALLCAP DIVD 97717W604   3,326 116,467 SH   DFND 1 0 0 116,467
WISDOMTREE TR US SMALLCAP DIVD 97717W604   769 26,913 SH   SOLE   0 0 26,913
WISDOMTREE TR INTL EQUITY FD 97717W703   14 291 SH   SOLE   0 0 291
WISDOMTREE TR INTL EQUITY FD 97717W703   322 6,477 SH   DFND 1 0 0 6,477
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   59,222 1,178,074 SH   DFND 1 0 0 1,178,074
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   14,834 295,083 SH   SOLE   0 0 295,083
ZIPRECRUITER INC CL A 98980B103   385 24,166 SH   SOLE   0 0 24,166
AMDOCS LTD SHS G02602103   682 7,103 SH   SOLE   0 0 7,103
AMDOCS LTD SHS G02602103   1,828 19,033 SH   DFND 1 0 0 19,033
EVEREST RE GROUP LTD COM G3223R108   1,736 4,848 SH   DFND 1 0 0 4,848
EVEREST RE GROUP LTD COM G3223R108   630 1,759 SH   SOLE   0 0 1,759