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 BBG001S5N8V8 605,312 3,144 SH   SOLE   3,144 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 BBG001S5ND74 317,768 4,400 SH   SOLE   4,400 0 0
AUTOZONE INC COM 053332102 BBG001S6Q5D9 258,561 100 SH   SOLE   100 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 BBG001SPJ625 1,973,654 64,968 SH   SOLE   64,034 934 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778 BBG001SPJ625 8,354 275 SH   DFND   275 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 356,650 1,000 SH   SOLE   1,000 0 0
BROADCOM INC COM 11135F101 BBG00KHY5SY8 404,081 362 SH   SOLE   362 0 0
CALAMOS CONV & HIGH INCOME F COM SHS 12811P108 BBG001S8SMN5 116,994 10,200 SH   SOLE   10,200 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 288,175 1,932 SH   SOLE   1,932 0 0
FLEXSHARES TR INTL QLTDV IDX 33939L837 BBG004FKVX21 230,652 9,912 SH   SOLE   9,912 0 0
INTEL CORP COM 458140100 BBG001S5SF65 281,299 5,598 SH   SOLE   5,598 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 1,171,042 36,538 SH   SOLE   36,538 0 0
ISHARES INC MSCI AUST ETF 464286103 BBG001S6ZW40 1,044,761 42,924 SH   SOLE   42,924 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 8,171 147 SH   DFND   147 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 3,054,542 54,949 SH   SOLE   54,136 813 0
ISHARES INC MSCI FRANCE ETF 464286707 BBG001S8S2R5 2,207,938 56,354 SH   SOLE   56,354 0 0
ISHARES INC MSCI GERMANY ETF 464286806 BBG001S8SJC4 2,006,211 67,595 SH   SOLE   67,595 0 0
ISHARES INC MSCI HONG KG ETF 464286871 BBG001S5VWX4 448,729 25,849 SH   SOLE   25,849 0 0
ISHARES INC MSCI ITALY ETF 46434G830 BBG001S8SYM0 655,079 19,307 SH   SOLE   19,307 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 BBG001S8SYN9 4,565,596 71,193 SH   SOLE   71,193 0 0
ISHARES INC MSCI MEXICO ETF 464286822 BBG001S8SYQ6 530,509 7,819 SH   SOLE   7,819 0 0
ISHARES INC MSCI NETHERL ETF 464286814 BBG001S8SYR5 646,592 14,488 SH   SOLE   14,488 0 0
ISHARES INC MSCI SINGPOR ETF 46434G780 BBG001S8SYS4 276,322 14,785 SH   SOLE   14,785 0 0
ISHARES INC MSCI SPAIN ETF 464286764 BBG001S8SYT3 723,026 23,621 SH   SOLE   23,621 0 0
ISHARES INC MSCI SWEDEN ETF 464286756 BBG001S8SYV0 587,386 14,882 SH   SOLE   14,882 0 0
ISHARES INC MSCI SWITZERLAND 464286749 BBG001S8SYW9 1,783,856 36,956 SH   SOLE   36,956 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 BBG001SMLZ34 7,859 392 SH   DFND   392 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107 BBG001SMLZ34 2,050,340 102,265 SH   SOLE   100,854 1,411 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 448,483 3,829 SH   SOLE   3,829 0 0
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 744,219 7,721 SH   SOLE   7,721 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 24,388 88 SH   DFND   88 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 8,157,269 29,434 SH   SOLE   28,910 524 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 3,363,941 7,043 SH   SOLE   7,043 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516 BBG00D7BBRS7 445,686 5,900 SH   SOLE   5,900 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 2,692,753 24,334 SH   SOLE   23,696 638 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 2,434 22 SH   DFND   22 0 0
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 38,028 427 SH   DFND   427 0 0
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 8,914,040 100,091 SH   SOLE   98,690 1,401 0
ISHARES TR MSCI DENMARK ETF 46429B523 BBG002DW4Q17 767,993 6,848 SH   SOLE   6,848 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 56,211 746 SH   DFND   746 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 10,922,664 144,960 SH   SOLE   140,836 4,124 0
ISHARES TR MSCI EMG MKT ETF 464287234 BBG001SK77D5 253,897 6,316 SH   SOLE   6,316 0 0
ISHARES TR MSCI UK ETF NEW 46435G334 BBG001S8SYX8 2,534,025 76,696 SH   SOLE   76,696 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 871,290 8,037 SH   SOLE   8,037 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 4,125,746 16,358 SH   SOLE   16,034 324 0
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 12,106 48 SH   DFND   48 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 15,377 99 SH   DFND   99 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 BBG001S56277 5,286,276 34,033 SH   SOLE   33,392 641 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 9,561,956 47,641 SH   SOLE   46,737 904 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 27,697 138 SH   DFND   138 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 1,144,515 15,240 SH   SOLE   15,240 0 0
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 819,012 4,710 SH   SOLE   4,710 0 0
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 10,694 135 SH   DFND   135 0 0
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 3,631,290 45,839 SH   SOLE   45,025 814 0
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 13,798 121 SH   DFND   121 0 0
ISHARES TR S&P MC 400VL ETF 464287705 BBG001SFQJM9 4,606,459 40,394 SH   SOLE   39,681 713 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 287,303 1,833 SH   SOLE   1,833 0 0
MCKESSON CORP COM 58155Q103 BBG001S8F8P8 231,485 500 SH   SOLE   500 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 1,503,739 3,999 SH   SOLE   3,999 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 207,792 1,418 SH   SOLE   1,418 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 206,921 2,718 SH   SOLE   2,718 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 224,352 3,200 SH   SOLE   3,200 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 BBG001SRXRL8 7,068 259 SH   DFND   259 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 BBG001SRXRL8 1,978,990 72,520 SH   SOLE   71,494 1,026 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 BBG001SQS7X7 49,259 520 SH   DFND   520 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622 BBG001SQS7X7 8,176,938 86,319 SH   SOLE   84,609 1,710 0
SPDR SER TR BLOOMBERG INTL 78464A151 BBG001T8QLK1 19,095 638 SH   DFND   638 0 0
SPDR SER TR BLOOMBERG INTL 78464A151 BBG001T8QLK1 3,882,510 129,722 SH   SOLE   127,628 2,094 0
SPDR SER TR FTSE INT GVT ETF 78464A490 BBG001STK554 19,203 458 SH   DFND   458 0 0
SPDR SER TR FTSE INT GVT ETF 78464A490 BBG001STK554 4,310,667 102,808 SH   SOLE   101,319 1,489 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721 BBG001SRSPW6 1,001,617 21,311 SH   SOLE   21,311 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739 BBG001T083N5 910,872 19,060 SH   SOLE   19,060 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409 BBG001SZDBR1 1,556,586 30,149 SH   SOLE   30,149 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 BBG001SRLFL7 2,066,333 43,946 SH   SOLE   43,946 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 3,028,077 39,645 SH   SOLE   39,645 0 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 2,815,560 37,753 SH   SOLE   36,776 977 0
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 2,088 28 SH   DFND   28 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 240,758 3,126 SH   SOLE   3,126 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 880,339 11,971 SH   SOLE   11,971 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 18,963 61 SH   DFND   61 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 3,268,838 10,515 SH   SOLE   10,096 419 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 7,144,573 32,751 SH   SOLE   31,427 1,324 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 40,794 187 SH   DFND   187 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 9,719 110 SH   DFND   110 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 3,328,890 37,675 SH   SOLE   37,076 599 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 3,933,010 26,308 SH   SOLE   25,248 1,060 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 23,471 157 SH   DFND   157 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,327,232 94,910 SH   SOLE   91,878 3,032 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 30,927 551 SH   DFND   551 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 19,024 463 SH   DFND   463 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 5,869,554 142,848 SH   SOLE   140,289 2,559 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 2,763,269 33,997 SH   SOLE   33,997 0 0
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 BBG001T62M56 206,301 2,574 SH   SOLE   2,574 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 BBG001SHTV72 852,284 7,240 SH   SOLE   7,240 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 BBG001SHVTQ3 1,258,957 4,134 SH   SOLE   4,134 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 BBG001SHVR41 585,282 3,065 SH   SOLE   3,065 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 BBG001SHTV45 380,916 3,248 SH   SOLE   3,248 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 BBG001SHTTM0 1,122,980 12,172 SH   SOLE   12,172 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 BBG001SHVR32 1,317,422 5,255 SH   SOLE   5,255 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 BBG001SHVTX5 855,259 3,880 SH   SOLE   3,880 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 BBG001SHTTR5 3,564,660 7,365 SH   SOLE   7,365 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801 BBG001SHTTP7 204,556 1,077 SH   SOLE   1,077 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 BBG001SHVTP4 212,586 1,551 SH   SOLE   1,551 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422 BBG001T21LV9 488,351 11,911 SH   SOLE   11,911 0 0