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
DJ WILSHIRE REIT ETF CLOSED END EQUITY MUTUAL FUND 78464A607 476,734 5,543 SH   DFND   0 0 0
FLEXSHARES QUALITY DIVIDEND CLOSED END EQUITY MUTUAL FUND 33939L860 286,787 7,204 SH   DFND   0 0 0
ISHARES BARCLAYS TIPS BOND ETF CLOSED-END FIXED INCOME 464287176 1,728,779 15,787 SH   DFND   0 0 0
ISHARES CORE MSCI EAFE ETF CLOSED END EQUITY MUTUAL FUND 46432F842 677,557 12,319 SH   DFND   0 0 0
ISHARES CORE MSCI EMERGING CLOSED END EQUITY MUTUAL FUND 46434G103 151,877 3,221 SH   DFND   0 0 0
ISHARES CORE S&P 500 ETF CLOSED END EQUITY MUTUAL FUND 464287200 141,827 564 SH   DFND   0 0 0
ISHARES CORE S&P MID-CAP ETF CLOSED END EQUITY MUTUAL FUND 464287507 136,650 823 SH   DFND   0 0 0
ISHARES CORE U.S. AGGREGATE BO CLOSED-END FIXED INCOME 464287226 543,608 5,105 SH   DFND   0 0 0
ISHARES IBOXX USD HIGH YIELD CLOSED-END FIXED INCOME 464288513 270,653 3,337 SH   DFND   0 0 0
ISHARES MSCI EAFE ETF CLOSED END EQUITY MUTUAL FUND 464287465 301,128 5,123 SH   DFND   0 0 0
ISHARES MSCI EAFE SMALL CAP ETF CLOSED END EQUITY MUTUAL FUND 464288273 553,857 10,688 SH   DFND   0 0 0
ISHARES RUSSELL 1000 ETF CLOSED END EQUITY MUTUAL FUND 464287622 181,844 1,311 SH   DFND   0 0 0
ISHARES RUSSELL 1000 GROWTH ETF CLOSED END EQUITY MUTUAL FUND 464287614 621,214 4,745 SH   DFND   0 0 0
ISHARES RUSSELL 1000 VALUE ETF CLOSED END EQUITY MUTUAL FUND 464287598 639,036 5,754 SH   DFND   0 0 0
ISHARES RUSSELL 2000 ETF CLOSED END EQUITY MUTUAL FUND 464287655 135,711 1,014 SH   DFND   0 0 0
ISHARES RUSSELL 2000 GROWTH ETF CLOSED END EQUITY MUTUAL FUND 464287648 284,671 1,694 SH   DFND   0 0 0
ISHARES RUSSELL 2000 VALUE ETF CLOSED END EQUITY MUTUAL FUND 464287630 578,858 5,383 SH   DFND   0 0 0
ISHARES RUSSELL MIDCAP ETF CLOSED END EQUITY MUTUAL FUND 464287499 315,360 6,785 SH   DFND   0 0 0
ISHARES RUSSELL MIDCAP GRWTH ETF CLOSED END EQUITY MUTUAL FUND 464287481 709,959 6,244 SH   DFND   0 0 0
ISHARES RUSSELL MIDCAP VALUE ETF CLOSED END EQUITY MUTUAL FUND 464287473 1,824,124 23,892 SH   DFND   0 0 0
SPDR S&P 500 ETF TRUST CLOSED END EQUITY MUTUAL FUND 78462F103 139,002 556 SH   DFND   0 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF CLOSED END EQUITY MUTUAL FUND 921943858 555,269 14,967 SH   DFND   0 0 0
VANGUARD FTSE EMERGING MARKETS ETF CLOSED END EQUITY MUTUAL FUND 922042858 163,513 4,292 SH   DFND   0 0 0
VANGUARD GROWTH ETF CLOSED END EQUITY MUTUAL FUND 922908736 489,236 3,642 SH   DFND   0 0 0
VANGUARD IND FD MID-CAP CLOSED END EQUITY MUTUAL FUND 922908629 238,826 1,728 SH   DFND   0 0 0
VANGUARD MID-CAP VALUE INDEX CLOSED END EQUITY MUTUAL FUND 922908512 231,897 2,434 SH   DFND   0 0 0
VANGUARD RUSSELL 1000 GROWTH ETF CLOSED END EQUITY MUTUAL FUND 92206C680 163,728 1,217 SH   DFND   0 0 0
VANGUARD RUSSELL 1000 VALUE ETF CLOSED END EQUITY MUTUAL FUND 92206C714 128,280 1,321 SH   DFND   0 0 0
VANGUARD SHORT TERM BOND ETF CLOSED-END FIXED INCOME 921937827 1,609,146 20,480 SH   DFND   0 0 0
VANGUARD SMALL-CAP ETF CLOSED END EQUITY MUTUAL FUND 922908751 146,734 1,112 SH   DFND   0 0 0
VANGUARD VALUE ETF CLOSED END EQUITY MUTUAL FUND 922908744 433,418 4,425 SH   DFND   0 0 0