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
SH SPONS ADR 2 ORD 780097689 68 10,440 SH   DFND 1,2 0 0 10,440
Vanguard TOTAL BND MRKT 921937835 206 2,538 SH   DFND 1,2 0 0 2,538
SH COM NEW 832696405 214 1,837 SH   DFND 1,2 0 0 1,837
SH COM 291011104 214 3,135 SH   DFND 1,2 0 0 3,135
SH SPON ADR NEW 904767704 216 3,757 SH   DFND 1,2 0 0 3,757
SH SHS G29183103 219 2,720 SH   DFND 1,2 0 0 2,720
SH COM 191216100 220 4,698 SH   DFND 1,2 0 0 4,698
Vanguard SMALL CP ETF 922908751 222 1,455 SH   DFND 1,2 0 0 1,455
SH CL A 20030N101 227 5,690 SH   DFND 1,2 0 0 5,690
SH COM 194162103 230 3,356 SH   DFND 1,2 0 0 3,356
SH COM 571748102 234 2,494 SH   DFND 1,2 0 0 2,494
SH COM 94106L109 234 2,258 SH   DFND 1,2 0 0 2,258
SH COM 91913Y100 238 2,807 SH   DFND 1,2 0 0 2,807
SH COM 00287Y109 242 3,006 SH   DFND 1,2 0 0 3,006
SH COM 532457108 244 1,882 SH   DFND 1,2 0 0 1,882
SH SHS G5960L103 244 2,685 SH   DFND 1,2 0 0 2,685
SPDR GOLD SHS 78463V107 250 2,056 SH   DFND 1,2 0 0 2,056
SH CAP STK CL A 02079K305 264 225 SH   DFND 1,2 0 0 225
SH COM 126408103 271 3,630 SH   DFND 1,2 0 0 3,630
SH COM 235851102 272 2,065 SH   DFND 1,2 0 0 2,065
SH COM 539830109 275 916 SH   DFND 1,2 0 0 916
SH COM 855244109 275 3,704 SH   DFND 1,2 0 0 3,704
iShares MIN VOL EAFE ETF 46429B689 278 3,870 SH   DFND 1,2 0 0 3,870
SH COM 060505104 285 10,333 SH   DFND 1,2 0 0 10,333
SH COM 882508104 285 2,688 SH   DFND 1,2 0 0 2,688
SH COM 166764100 285 2,317 SH   DFND 1,2 0 0 2,317
SH COM 110122108 296 6,208 SH   DFND 1,2 0 0 6,208
SH COM 023135106 302 170 SH   DFND 1,2 0 0 170
SH COM 002824100 305 3,816 SH   DFND 1,2 0 0 3,816
Invesco FTSE RAFI 1000 46137V613 308 2,725 SH   DFND 1,2 0 0 2,725
SPDR PORTFOLIO INTRMD 78464A375 318 9,326 SH   DFND 1,2 0 0 9,326
SH COM CL A 92826C839 320 2,055 SH   DFND 1,2 0 0 2,055
iShares MSCI ACWI EX US 464288240 326 7,060 SH   DFND 1,2 0 0 7,060
iShares RUSSELL 2000 ETF 464287655 329 2,150 SH   DFND 1,2 0 0 2,150
SH EQUITY ETF 381430503 332 5,850 SH   DFND 1,2 0 0 5,850
iShares USA QUALITY FCTR 46432F339 347 3,920 SH   DFND 1,2 0 0 3,920
SH COM 949746101 355 7,353 SH   DFND 1,2 0 0 7,353
Invesco DYNMC LRG VALU 46137V738 371 10,482 SH   DFND 1,2 0 0 10,482
SH COM 452308109 387 2,698 SH   DFND 1,2 0 0 2,698
SH CAP STK CL C 02079K107 400 341 SH   DFND 1,2 0 0 341
SH SPON ADR NEW 25243Q205 402 2,461 SH   DFND 1,2 0 0 2,461
SH COM 009158106 403 2,111 SH   DFND 1,2 0 0 2,111
iShares ESG MSCI EAFE 46435G516 417 6,605 SH   DFND 1,2 0 0 6,605
SH COM 88579Y101 452 2,176 SH   DFND 1,2 0 0 2,176
SH CL B NEW 084670702 501 2,494 SH   DFND 1,2 0 0 2,494
SH COM 863667101 514 2,603 SH   DFND 1,2 0 0 2,603
SH COM 58933Y105 515 6,197 SH   DFND 1,2 0 0 6,197
SH COM 458140100 580 10,811 SH   DFND 1,2 0 0 10,811
SH COM 876030107 597 18,386 SH   DFND 1,2 0 0 18,386
SH COM 30231G102 598 7,412 SH   DFND 1,2 0 0 7,412
Vanguard MIDCP 400 IDX 921932885 601 4,705 SH   DFND 1,2 0 0 4,705
SH COM NEW 755111507 628 3,453 SH   DFND 1,2 0 0 3,453
SH CL B 654106103 682 8,108 SH   DFND 1,2 0 0 8,108
SH COM NEW 172967424 694 11,156 SH   DFND 1,2 0 0 11,156
iShares SHORT TREAS BD 464288679 696 6,295 SH   DFND 1,2 0 0 6,295
SH SPONSORED ADR 80105N105 719 16,252 SH   DFND 1,2 0 0 16,252
SH COM 693475105 753 6,141 SH   DFND 1,2 0 0 6,141
SH COM 03076C106 775 6,053 SH   DFND 1,2 0 0 6,053
SH COM 053015103 778 4,874 SH   DFND 1,2 0 0 4,874
Vanguard ALLWRLD EX US 922042775 838 16,725 SH   DFND 1,2 0 0 16,725
SH SHS - A - N53745100 841 10,005 SH   DFND 1,2 0 0 10,005
SH CL A 609207105 847 16,984 SH   DFND 1,2 0 0 16,984
SH COM 15189T107 873 28,444 SH   DFND 1,2 0 0 28,444
SH SPON ADR B 780259107 885 13,840 SH   DFND 1,2 0 0 13,840
SH COM 37045V100 892 24,067 SH   DFND 1,2 0 0 24,067
SH COM NEW 247361702 898 17,401 SH   DFND 1,2 0 0 17,401
SH COM 375558103 903 13,893 SH   DFND 1,2 0 0 13,893
SH COM 174610105 913 28,099 SH   DFND 1,2 0 0 28,099
SH COM 29250N105 914 25,233 SH   DFND 1,2 0 0 25,233
SH COM 30161N101 922 18,401 SH   DFND 1,2 0 0 18,401
SH COM 478160104 923 6,606 SH   DFND 1,2 0 0 6,606
SH COM 857477103 933 14,188 SH   DFND 1,2 0 0 14,188
SH COM V7780T103 937 8,181 SH   DFND 1,2 0 0 8,181
SH COM 718546104 950 9,986 SH   DFND 1,2 0 0 9,986
SH COM 126650100 971 18,015 SH   DFND 1,2 0 0 18,015
SH COM 595017104 978 11,790 SH   DFND 1,2 0 0 11,790
SH CL A COM 55303A105 988 30,656 SH   DFND 1,2 0 0 30,656
SH COM 11133T103 1,015 9,794 SH   DFND 1,2 0 0 9,794
SH COM 78377T107 1,021 12,417 SH   DFND 1,2 0 0 12,417
SH COM H1467J104 1,052 7,514 SH   DFND 1,2 0 0 7,514
SH COM 713448108 1,060 8,650 SH   DFND 1,2 0 0 8,650
SH COM 26078J100 1,081 20,283 SH   DFND 1,2 0 0 20,283
SH COM 862121100 1,087 32,475 SH   DFND 1,2 0 0 32,475
SH COM 747525103 1,101 19,313 SH   DFND 1,2 0 0 19,313
SH COM 031162100 1,125 5,922 SH   DFND 1,2 0 0 5,922
SH COM 918204108 1,153 13,270 SH   DFND 1,2 0 0 13,270
SH REG SHS H84989104 1,158 14,352 SH   DFND 1,2 0 0 14,352
SH COM 580135101 1,171 6,171 SH   DFND 1,2 0 0 6,171
SH COM 11135F101 1,172 3,898 SH   DFND 1,2 0 0 3,898
SH COM 438516106 1,192 7,503 SH   DFND 1,2 0 0 7,503
SH COM 913017109 1,278 9,918 SH   DFND 1,2 0 0 9,918
SH COM 437076102 1,320 6,879 SH   DFND 1,2 0 0 6,879
SH COM DISNEY 254687106 1,352 12,180 SH   DFND 1,2 0 0 12,180
SH COM 717081103 1,436 33,835 SH   DFND 1,2 0 0 33,835
SH COM 742718109 1,448 13,920 SH   DFND 1,2 0 0 13,920
SH SHS CLASS A G1151C101 1,459 8,293 SH   DFND 1,2 0 0 8,293
SH COM 097023105 1,491 3,909 SH   DFND 1,2 0 0 3,909
SH COM 907818108 1,491 8,920 SH   DFND 1,2 0 0 8,920
SPDR SPDR BLOOMBERG 78468R663 1,496 16,338 SH   DFND 1,2 0 0 16,338
SH COM 17275R102 1,542 28,563 SH   DFND 1,2 0 0 28,563
SH CL A 57636Q104 1,592 6,765 SH   DFND 1,2 0 0 6,765
SH COM 92343V104 1,614 27,310 SH   DFND 1,2 0 0 27,310
SH COM 037833100 1,852 9,754 SH   DFND 1,2 0 0 9,754
SH COM 46625H100 1,928 19,047 SH   DFND 1,2 0 0 19,047
Invesco S&P500 LOW VOL 46138E354 2,224 42,258 SH   DFND 1,2 0 0 42,258
SH COM 594918104 2,449 20,768 SH   DFND 1,2 0 0 20,768
SPDR TR UNIT 78462F103 4,050 14,340 SH   DFND 1,2 0 0 14,340
Vanguard DIV APP ETF 921908844 4,464 40,722 SH   DFND 1,2 0 0 40,722
iShares ISHARES 464285105 6,653 537,429 SH   DFND 1,2 0 0 537,429
Vanguard TOTAL STK MKT 922908769 6,977 48,217 SH   DFND 1,2 0 0 48,217
Invesco UNIT SER 1 46090E103 7,388 41,123 SH   DFND 1,2 0 0 41,123
Vanguard FTSE EMR MKT ETF 922042858 11,470 269,889 SH   DFND 1,2 0 0 269,889
Charles Schwab US DIVIDEND EQ 808524797 12,558 240,222 SH   DFND 1,2 0 0 240,222
SPDR PORTFOLIO SHORT 78464A474 14,679 480,509 SH   DFND 1,2 0 0 480,509
iShares CORE US AGGBD ET 464287226 17,281 158,442 SH   DFND 1,2 0 0 158,442
iShares CORE S&P MCP ETF 464287507 21,623 114,170 SH   DFND 1,2 0 0 114,170
iShares BARCLAYS 7 10 YR 464287440 23,713 222,309 SH   DFND 1,2 0 0 222,309
Vanguard SHORT TRM BOND 921937827 26,367 331,294 SH   DFND 1,2 0 0 331,294
Vanguard FTSE DEV MKT ETF 921943858 27,209 665,755 SH   DFND 1,2 0 0 665,755
iShares CORE S&P500 ETF 464287200 28,179 99,028 SH   DFND 1,2 0 0 99,028