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
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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
ABBVIE INC COM 00287Y109   84,284 628 SH   DFND 1 0 0 628
AMAZON COM INC COM 023135106   111,305 985 SH   DFND 1 0 0 985
APPLE INC COM 037833100   2,118,740 15,331 SH   DFND 1 0 0 15,331
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   261,353 12,824 SH   DFND 1 0 0 12,824
ETF SER SOLUTIONS VIDENT US BOND 26922A602   905,389 21,357 SH   DFND 1 0 0 21,357
ETF SER SOLUTIONS VIDENT US EQUITY 26922A503   579,901 15,506 SH   DFND 1 0 0 15,506
ETF SER SOLUTIONS VIDENT INTERNATI 26922A404   484,288 25,184 SH   DFND 1 0 0 25,184
EXXON MOBIL CORP COM 30231G102   360,066 4,124 SH   DFND 1 0 0 4,124
FIRST TR EXCHNG TRADED FD LOW OPPT EFT 33739Q200   290,256 6,130 SH   DFND 1 0 0 6,130
GENERAL MLS INC COM 370334104   89,480 1,168 SH   DFND 1 0 0 1,168
HOME DEPOT INC COM 437076102   133,831 485 SH   DFND 1 0 0 485
ISHARES INC CORE MSCI EMKT 46434G103   553,754 12,884 SH   DFND 1 0 0 12,884
ISHARES TR CORE S&P500 ETF 464287200   912,764 2,545 SH   DFND 1 0 0 2,545
ISHARES TR AGGRES ALLOC ETF 464289859   691,794 12,476 SH   DFND 1 0 0 12,476
ISHARES TR MODERT ALLOC ETF 464289875   371,958 10,160 SH   DFND 1 0 0 10,160
ISHARES TR CORE S&P MCP ETF 464287507   254,122 1,159 SH   DFND 1 0 0 1,159
ISHARES TR 3 7 YR TREAS BD 464288661   212,218 1,857 SH   DFND 1 0 0 1,857
ISHARES TR 1 3 YR TREAS BD 464287457   155,355 1,913 SH   DFND 1 0 0 1,913
ISHARES TR HDG MSCI EAFE 46434V803   70,361 2,354 SH   DFND 1 0 0 2,354
ISHARES TR GRWT ALLOCAT ETF 464289867   460,741 10,289 SH   DFND 1 0 0 10,289
ISHARES TR CORE S&P US GWT CORE S&P US GWT 464287671   205,501 2,563 SH   DFND 1 0 0 2,563
JOHNSON & JOHNSON COM 478160104   179,206 1,097 SH   DFND 1 0 0 1,097
LOWES COS INC COM 548661107   67,236 358 SH   DFND 1 0 0 358
MASTERCARD INCORPORATED CL A 57636Q104   100,088 352 SH   DFND 1 0 0 352
MCDONALDS CORP COM 580135101   133,829 580 SH   DFND 1 0 0 580
MICROSOFT CORP COM 594918104   432,584 1,857 SH   DFND 1 0 0 1,857
PEPSICO INC COM 713448108   149,709 917 SH   DFND 1 0 0 917
PROCTER AND GAMBLE CO COM 742718109   128,396 1,017 SH   DFND 1 0 0 1,017
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   1,012,964 8,364 SH   DFND 1 0 0 8,364
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   977,916 8,233 SH   DFND 1 0 0 8,233
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   423,874 8,851 SH   DFND 1 0 0 8,851
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   339,601 2,384 SH   DFND 1 0 0 2,384
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   303,835 4,638 SH   DFND 1 0 0 4,638
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   426,538 6,392 SH   DFND 1 0 0 6,392
SPDR S&P 500 ETF TR TR UNIT 78462F103   843,302 2,361 SH   DFND 1 0 0 2,361
STARBUCKS CORP COM 855244109   103,893 1,233 SH   DFND 1 0 0 1,233
TESLA INC COM 88160R101   868,163 3,273 SH   DFND 1 0 0 3,273
VANGUARD INDEX FDS TOTAL STK MKT 922908769   638,554 3,558 SH   DFND 1 0 0 3,558
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   218,419 4,540 SH   DFND 1 0 0 4,540
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   374,992 6,431 SH   DFND 1 0 0 6,431
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   296,809 5,136 SH   DFND 1 0 0 5,136
VERIZON COMMUNICATIONS INC COM 92343V104   63,600 1,675 SH   DFND 1 0 0 1,675