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
AMAZON COM Common Stock 023135106 972 546 SH   SOLE   0 0 546
APPLE INC Common Stock 037833100 2,528 1,331 SH   SOLE   0 0 1,331
BERKSHIRE HATHAWAY Common Stock 084670702 471 2,346 SH   SOLE   0 0 2,346
GENERAL ELECTRIC Common Stock 369604103 566 5,662 SH   SOLE   0 0 5,662
INTL BUSINESS Common Stock 459200101 246 1,746 SH   SOLE   0 0 1,746
ISHARES CORE ETF 464287200 317 1,115 SH   SOLE   0 0 1,115
JOHNSON & JOHNSON Common Stock 478160104 261 1,870 SH   SOLE   0 0 1,870
MCDONALDS CORP Common Stock 580135101 322 1,697 SH   SOLE   0 0 1,697
MICROSOFT CORP Common Stock 594918104 234 1,982 SH   SOLE   0 0 1,982
VANGUARD MEGA ETF 921910873 293 2,996 SH   SOLE   0 0 2,996
VANGUARD FTSE ETF 922042775 399 7,963 SH   SOLE   0 0 7,963
VANGUARD S&P ETF 922908363 422 1,626 SH   SOLE   0 0 1,626
VANGUARD LARGE ETF 922908637 235 187 SH   SOLE   0 0 187
VANGUARD GROWTH ETF 922908736 12,743 81,467 SH   SOLE   0 0 81,467
VANGUARD VALUE ETF 922908744 15,334 142,466 SH   SOLE   0 0 142,466
VANGUARD SMALL ETF 922908751 7,297 47,752 SH   SOLE   0 0 47,752
VANGUARD TOTAL ETF 922908769 1,492 140 SH   SOLE   0 0 140
AT&T INC Common Stock 00206R102 292 935 SH   SOLE   0 0 935
ALPHABET INC Common Stock, Cl A 02079K305 337 286 SH   SOLE   0 0 286
WALT DISNEY Common Stock 254687106 732 660 SH   SOLE   0 0 660
DUKE ENERGY Common Stock 26441C204 273 338 SH   SOLE   0 0 338
FIRST TRUST ETF 33734X101 1,222 2,944 SH   SOLE   0 0 2,944
FIRST TRUST ETF 33739Q200 667 128,839 SH   SOLE   0 0 128,839
FIRST TRUST ETF 33740F805 1,229 2,433 SH   SOLE   0 0 2,433
FOX CORP Common Stock 35137L105 213 5,811 SH   SOLE   0 0 5,811
iShares MSCI Japan Small Cap ETF 464286582 286 4,049 SH   DFND 4,9 0 0 4,049
iShares MSCI South Korea Capped ETF 464286772 278 4,562 SH   DFND 4,9 0 0 4,562
iShares Dow Jones Select Dividend ETF 464287168 209 2,127 SH   DFND 9,10 0 0 2,127
ISHARES SELECT ETF 464287168 1,228 1,258 SH   SOLE   0 0 1,258
ISHARES TIPS ETF 464287176 398 352 SH   SOLE   0 0 352
iShares Core Total US Bond Market ETF ETF 464287226 512 4,691 SH   DFND 1 0 0 4,691
ISHARES MSCI ETF 464287234 1,213 28,258 SH   SOLE   0 0 28,258
iShares iBoxx $ Invest Grade Corp Bd ETF 464287242 246 2,066 SH   DFND 5,9,10 0 0 2,066
iShares Barclays 20 Yr Trs Bond ETF 464287432 237 1,876 SH   DFND 9,10 0 0 1,876
iShares Barclays 7-10 Year Treasury ETF 464287440 1,134 10,629 SH   DFND 4,9,10 0 0 10,629
ISHARES 1-3YR ETF 464287457 244 2,898 SH   SOLE   0 0 2,898
iShares Barclays 1-3 Yr Trs Bond ETF 464287457 848 10,080 SH   DFND 4,5,9,10 0 0 10,080
ISHARES MSCI ETF 464287465 2,262 34,872 SH   SOLE   0 0 34,872
iShares S&P Global 100 Index ETF 464287572 289 6,072 SH   DFND 4,9 0 0 6,072
iShares Barclay Agency Bond Fund ETF 464288166 509 4,485 SH   DFND 1 0 0 4,485
ISHARES JPMORGAN ETF 464288281 1,262 11,466 SH   SOLE   0 0 11,466
iShares New York Muni ETF 464288323 203 3,633 SH   DFND 1 0 0 3,633
iShares S&P National AMT-Free Mun ETF 464288414 218 1,960 SH   DFND 1 0 0 1,960
ISHARES NATIONAL ETF 464288414 661 5,947 SH   SOLE   0 0 5,947
iShares iBoxx High Yield Corporate Bd ETF 464288513 592 6,846 SH   DFND 7,9 0 0 6,846
iShares Barclays MBS Fixed-Rate Bond ETF 464288588 815 7,663 SH   DFND 5,9,10 0 0 7,663
iShares Barclays Government/Cr Bond ETF 464288596 513 4,516 SH   DFND 1 0 0 4,516
iShares Barclays Inter Med Govt Cr Bd ETF 464288612 509 4,613 SH   DFND 1 0 0 4,613
iShares Barclays 10-20 Year Treas Bd ETF 464288653 814 5,911 SH   DFND 4,9 0 0 5,911
iShares Dow Jones US Medical Devices ETF 464288810 330 1,427 SH   DFND 4,6,9 0 0 1,427
ISHARES CORE ETF 46429B663 6,676 71,567 SH   SOLE   0 0 71,567
iShares Rate Hedged Corp Bond ETF 46431W705 491 5,257 SH   DFND 5,9 0 0 5,257
iShares Core MSCI EAFE ETF 46432F842 366 6,028 SH   DFND 9 0 0 6,028
ISHARES CORE ETF 46432F842 2,280 37,515 SH   SOLE   0 0 37,515
iShares Core MSCI Emerging Mkts ETF 46434G103 329 6,365 SH   DFND 7,9,10 0 0 6,365
iShares MSCI Italy Capped ETF 46434G830 291 10,471 SH   DFND 4,9 0 0 10,471
ISHARES CORE ETF 46434V621 266 7,916 SH   SOLE   0 0 7,916
iShares Core MSCI Pacific ETF ETF 46434V696 375 6,733 SH   DFND 9,10 0 0 6,733
iShares Core MSCI Europe ETF ETF 46434V738 361 7,865 SH   DFND 9,10 0 0 7,865
ISHARES IBONDS ETF 46434VAQ3 367 14,532 SH   SOLE   0 0 14,532
ISHARES IBONDS ETF 46434VBA7 383 15,368 SH   SOLE   0 0 15,368
ISHARES IBONDS ETF 46434VBK5 381 15,426 SH   SOLE   0 0 15,426
PIMCO 0-5 Year Hi Yld Corp Bond Idx ETF 72201R783 313 3,124 SH   DFND 7,9,10 0 0 3,124
SPDR S&P ETF 78462F103 537 20 SH   SOLE   0 0 20
SPDR Portfolio S&P 500 Growth ETF 78464A409 242 6,494 SH   DFND 7,8,9 0 0 6,494
SPDR Bloomberg Barclays Hi Yld Bond ETF 78464A417 612 17,023 SH   DFND 7,9,10,11 0 0 17,023
SPDR Bloomberg Barclays Shrt Trm Bd ETF 78464A474 791 25,892 SH   DFND 4,9 0 0 25,892
SPDR Portfolio Lng Trm Treas ETF 78464A664 825 22,683 SH   DFND 4,9 0 0 22,683
SPDR S&P ETF 78464A698 339 667 SH   SOLE   0 0 667
SPDR SERIES ETF 78464A763 282 2,839 SH   SOLE   0 0 2,839
SECTOR HEALTHCARE ETF 81369Y209 419 4,567 SH   SOLE   0 0 4,567
CONSUMER DISCRETIONARY ETF 81369Y407 1,785 1,568 SH   SOLE   0 0 1,568
SECTOR FINANCIAL ETF 81369Y605 477 18,399 SH   SOLE   0 0 18,399
SECTOR TECHNOLOGY ETF 81369Y803 344 4,642 SH   SOLE   0 0 4,642
Technology Select Sector SPDR ETF 81369Y803 210 2,835 SH   DFND 8,9 0 0 2,835
Utilities Select Sector SPDR ETF 81369Y886 250 4,303 SH   DFND 8,9 0 0 4,303
VANGUARD SHORT ETF 921937827 336 4,216 SH   SOLE   0 0 4,216
Vanguard High Dividend Yield Indx ETF 921946406 201 2,346 SH   DFND 9,10 0 0 2,346
Vanguard Mortgage Backed Sec Idx ETF ETF 92206C771 808 15,435 SH   DFND 4,9 0 0 15,435
Vanguard S&P 500 ETF 922908363 491 1,892 SH   DFND 9 0 0 1,892
Vanguard Small Cap Growth ETF ETF 922908595 298 1,659 SH   DFND 9,10 0 0 1,659
Vanguard Small Cap Value ETF ETF 922908611 202 1,572 SH   DFND 9,10 0 0 1,572
Vanguard Growth ETF ETF 922908736 562 3,596 SH   DFND 9,10 0 0 3,596
Vanguard Value ETF ETF 922908744 676 6,280 SH   DFND 9,10 0 0 6,280
VERIZON COMMUNICATIONS Common Stock 92343V104 76 11,935 SH   SOLE   0 0 11,935