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
BROADCOM INC COM 11135F101 1,754 2,636 SH   DFND   0 0 2,636
BROADCOM INC COM 11135F101 123 185 SH   SOLE   0 0 185
IMPACT SHS TR I YWCA WOMENS ETF 45259A100 224 6,384 SH   SOLE   0 0 6,384
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,916 17,918 SH   SOLE   0 0 17,918
ISHARES INC CORE MSCI EMKT 46434G103 16 270 SH   DFND   0 0 270
ISHARES INC CORE MSCI EMKT 46434G103 236 3,939 SH   SOLE   0 0 3,939
ISHARES TR CORE MSCI TOTAL 46432F834 569 8,027 SH   SOLE   0 0 8,027
ISHARES TR US TREAS BD ETF 46429B267 275 10,298 SH   DFND   0 0 10,298
ISHARES TR CORE MSCI EAFE 46432F842 922 12,357 SH   SOLE   0 0 12,357
ISHARES TR IBONDS DEC23 ETF 46434VAX8 364 14,184 SH   SOLE   0 0 14,184
ISHARES TR IBONDS DEC25 ETF 46434VBD1 351 13,268 SH   SOLE   0 0 13,268
ISHARES TR IBONDS DEC22 ETF 46434VBA7 178 7,078 SH   DFND   0 0 7,078
ISHARES TR IBONDS DEC22 ETF 46434VBA7 348 13,835 SH   SOLE   0 0 13,835
ISHARES TR IBONDS DEC24 ETF 46434VBG4 346 13,332 SH   SOLE   0 0 13,332
ISHARES TR ESG AWR US AGRGT 46435U549 503 9,109 SH   SOLE   0 0 9,109
ISHARES TR RUSEL 2500 ETF 46435G268 3,877 58,411 SH   SOLE   0 0 58,411
ISHARES TR ESG AW MSCI EAFE 46435G516 255 3,205 SH   SOLE   0 0 3,205
ISHARES TR IBONDS DEC2026 46435GAA0 364 13,958 SH   SOLE   0 0 13,958
ISHARES TR MSCI ACWI EX US 464288240 5,159 92,781 SH   SOLE   0 0 92,781
ISHARES TR MODERT ALLOC ETF 464289875 727 15,995 SH   SOLE   0 0 15,995
ISHARES TR GRWT ALLOCAT ETF 464289867 63 1,099 SH   DFND   0 0 1,099
ISHARES TR GRWT ALLOCAT ETF 464289867 36,944 647,228 SH   SOLE   0 0 647,228
ISHARES TR 3 7 YR TREAS BD 464288661 23 180 SH   DFND   0 0 180
ISHARES TR 3 7 YR TREAS BD 464288661 317 2,467 SH   SOLE   0 0 2,467
ISHARES TR ISHS 1-5YR INVS 464288646 41 754 SH   DFND   0 0 754
ISHARES TR ISHS 1-5YR INVS 464288646 351 6,512 SH   SOLE   0 0 6,512
ISHARES TR MSCI KLD400 SOC 464288570 1,277 13,740 SH   SOLE   0 0 13,740
ISHARES TR MSCI EMG MKT ETF 464287234 1,197 24,494 SH   SOLE   0 0 24,494
ISHARES TR S&P 100 ETF 464287101 662 3,023 SH   DFND   0 0 3,023
ISHARES TR S&P 100 ETF 464287101 34 157 SH   SOLE   0 0 157
ISHARES TR CORE US AGGBD ET 464287226 14,940 130,963 SH   SOLE   0 0 130,963
ISHARES TR MORNINGSTR US EQ 464287127 837 12,607 SH   SOLE   0 0 12,607
ISHARES TR CORE S&P MCP ETF 464287507 1,318 4,656 SH   SOLE   0 0 4,656
ISHARES TR S&P MC 400VL ETF 464287705 1,171 10,579 SH   SOLE   0 0 10,579
ISHARES TR S&P MC 400GR ETF 464287606 320 3,759 SH   SOLE   0 0 3,759
ISHARES TR CORE S&P SCP ETF 464287804 41 361 SH   DFND   0 0 361
ISHARES TR CORE S&P SCP ETF 464287804 24,094 210,406 SH   SOLE   0 0 210,406
ISHARES TR SP SMCP600VL ETF 464287879 5,150 49,289 SH   SOLE   0 0 49,289
ISHARES TR S&P SML 600 GWT 464287887 898 6,466 SH   SOLE   0 0 6,466
ISHARES TR S&P 500 VAL ETF 464287408 1,634 10,431 SH   DFND   0 0 10,431
ISHARES TR S&P 500 VAL ETF 464287408 52,234 333,485 SH   SOLE   0 0 333,485
ISHARES TR CORE S&P500 ETF 464287200 6,155 12,903 SH   SOLE   0 0 12,903
ISHARES TR S&P 500 GRWT ETF 464287309 22,027 263,257 SH   SOLE   0 0 263,257
ISHARES TR RUS 1000 ETF 464287622 6,191 23,414 SH   SOLE   0 0 23,414
ISHARES TR RUS 1000 VAL ETF 464287598 160 950 SH   DFND   0 0 950
ISHARES TR RUS 1000 VAL ETF 464287598 50,768 302,316 SH   SOLE   0 0 302,316
ISHARES TR RUS 1000 GRW ETF 464287614 2,788 9,122 SH   DFND   0 0 9,122
ISHARES TR RUS 1000 GRW ETF 464287614 125,246 409,851 SH   SOLE   0 0 409,851
ISHARES TR RUSSELL 2000 ETF 464287655 176 792 SH   DFND   0 0 792
ISHARES TR RUSSELL 2000 ETF 464287655 13,639 61,314 SH   SOLE   0 0 61,314
ISHARES TR RUS 2000 VAL ETF 464287630 9,878 59,486 SH   SOLE   0 0 59,486
ISHARES TR RUSSELL 3000 ETF 464287689 362 1,304 SH   SOLE   0 0 1,304
ISHARES TR RUS MID CAP ETF 464287499 394 4,746 SH   SOLE   0 0 4,746
ISHARES TR RUS MD CP GR ETF 464287481 8,879 77,062 SH   SOLE   0 0 77,062
ISHARES TR RUS MDCP VAL ETF 464287473 574 4,693 SH   SOLE   0 0 4,693
ISHARES TR RUS 2000 GRW ETF 464287648 11,747 40,084 SH   SOLE   0 0 40,084
ISHARES TR MSCI EAFE ETF 464287465 50 634 SH   DFND   0 0 634
ISHARES TR MSCI EAFE ETF 464287465 11,839 150,470 SH   SOLE   0 0 150,470
S&P GLOBAL INC COM 78409V104 662 1,404 SH   DFND   0 0 1,404
S&P GLOBAL INC COM 78409V104 35 75 SH   SOLE   0 0 75
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,721 10,511 SH   SOLE   0 0 10,511
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 1,149 15,699 SH   SOLE   0 0 15,699
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 313 861 SH   SOLE   0 0 861
SPDR S&P 500 ETF TR TR UNIT 78462F103 61 129 SH   DFND   0 0 129
SPDR S&P 500 ETF TR TR UNIT 78462F103 48,435 101,976 SH   SOLE   0 0 101,976
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 234 452 SH   SOLE   0 0 452
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 7,753 17,760 SH   SOLE   0 0 17,760
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 343 2,281 SH   SOLE   0 0 2,281
VANGUARD INDEX FDS VALUE ETF 922908744 443 3,013 SH   DFND   0 0 3,013
VANGUARD INDEX FDS VALUE ETF 922908744 1,476 10,030 SH   SOLE   0 0 10,030
VANGUARD INDEX FDS MID CAP ETF 922908629 312 1,226 SH   SOLE   0 0 1,226
VANGUARD INDEX FDS GROWTH ETF 922908736 2,462 7,674 SH   SOLE   0 0 7,674
VANGUARD INDEX FDS SMALL CP ETF 922908751 870 3,848 SH   SOLE   0 0 3,848
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,042 5,696 SH   SOLE   0 0 5,696
VANGUARD INDEX FDS TOTAL STK MKT 922908769 530 2,197 SH   DFND   0 0 2,197
VANGUARD INDEX FDS TOTAL STK MKT 922908769 52,831 218,817 SH   SOLE   0 0 218,817
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 577 11,668 SH   SOLE   0 0 11,668
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 712 11,612 SH   SOLE   0 0 11,612
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 318 5,797 SH   SOLE   0 0 5,797
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 274 3,372 SH   SOLE   0 0 3,372
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,168 18,447 SH   SOLE   0 0 18,447
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 287 5,629 SH   DFND   0 0 5,629
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,890 330,791 SH   SOLE   0 0 330,791