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
Alphabet, Inc. A COMMON STOCKS 02079K305 381 312 SH   DFND 7 0 0 312
Amazon.com, Inc. COMMON STOCKS 023135106 1,142 658 SH   DFND 1 0 0 658
Apple, Inc. COMMON STOCKS 037833100 2,950 13,173 SH   DFND 5 0 0 13,173
AT&T, Inc. COMMON STOCKS 00206R102 361 9,534 SH   DFND 3 0 0 9,534
Automatic Data Processing, Inc. COMMON STOCKS 053015103 317 1,961 SH   DFND 5 0 0 1,961
Berkshire Hathaway, Inc. Cl B COMMON STOCKS 084670702 525 2,526 SH   DFND 4 0 0 2,526
Cisco Systems, Inc. COMMON STOCKS 17275R102 216 4,380 SH   DFND 3,4,11 0 0 4,380
Coca-Cola Company COMMON STOCKS 191216100 253 4,642 SH   DFND 2 0 0 4,642
Consumer Discretionary SPDR ETF - EQUITY 81369Y407 4,499 37,273 SH   DFND 1,2,3,13 0 0 37,273
Consumer Staples Select Sector SPDR ETF - EQUITY 81369Y308 424 6,902 SH   DFND 1,2,3,13 0 0 6,902
Deutsche X Trackers USD Corp ETF - FIXED INCOME 233051432 213 4,248 SH   DFND 1 0 0 4,248
Duke Energy Corp COMMON STOCKS 26441C204 315 3,282 SH   DFND 2,3,7 0 0 3,282
FIRST TRUST ETF 33740F805 1,266 24,039 SH   SOLE   0 0 24,039
FIRST TRUST ETF 33739Q200 8,315 159,933 SH   SOLE   0 0 159,933
GENERAL ELECTRIC Common Stock 369604103 542 60,677 SH   SOLE   0 0 60,677
Health Care Select Sector SPDR ETF - EQUITY 81369Y209 437 4,849 SH   DFND 2,13 0 0 4,849
Home Depot, Inc. COMMON STOCKS 437076102 208 897 SH   DFND 3 0 0 897
IBM COMMON STOCKS 459200101 251 1,724 SH   DFND 3 0 0 1,724
INVESCO S&P ETF 46137V373 488 3,475 SH   SOLE   0 0 3,475
INVESCO S&P ETF 46137V274 621 5,821 SH   SOLE   0 0 5,821
iShares Barclay Agency Bond Fund ETF - FIXED INCOME 464288166 248 2,128 SH   DFND 2 0 0 2,128
iShares Barclays 1-3 Yr Trs Bond ETF - FIXED INCOME 464287457 390 4,603 SH   DFND 3 0 0 4,603
iShares Barclays 10-20 Year Treas Bd ETF - FIXED INCOME 464288653 244 1,633 SH   DFND 1 0 0 1,633
iShares Barclays 7-10 Year Treasury ETF - FIXED INCOME 464287440 1,125 10,004 SH   DFND 1 0 0 10,004
iShares Barclays Government/Cr Bond ETF - FIXED INCOME 464288596 247 2,074 SH   DFND 3,4 0 0 2,074
iShares Barclays MBS Fixed-Rate Bond ETF - FIXED INCOME 464288588 640 5,911 SH   DFND 1 0 0 5,911
iShares Barclays Short Treasury Bond ETF - FIXED INCOME 464288679 375 3,389 SH   DFND 3 0 0 3,389
iShares Barclays TIPS Bond ETF - FIXED INCOME 464287176 393 3,379 SH   DFND 7 0 0 3,379
iShares Core Div Growth ETF - EQUITY 46434V621 2,794 71,397 SH   DFND 1,3,4,7 0 0 71,397
iShares Core MSCI EAFE ETF - EQUITY 46432F842 3,352 54,884 SH   DFND 1,3,4,7 0 0 54,884
iShares Core MSCI Emerging Mkts ETF - EQUITY 46434G103 214 4,371 SH   DFND 1,2,3,4,7,9,12 0 0 4,371
iShares Core S&P 500 ETF ETF - EQUITY 464287200 321 1,076 SH   DFND 3 0 0 1,076
iShares Dow Jones Select Dividend ETF - EQUITY 464287168 1,629 15,975 SH   DFND 7 0 0 15,975
iShares Floating Rate Note Fund ETF - FIXED INCOME 46429B655 611 11,989 SH   DFND 1,2,3,4,7,12 0 0 11,989
iShares GS Semiconductor Index ETF - EQUITY 464287523 436 2,060 SH   DFND 6 0 0 2,060
iShares High Dividend Equity ETF - EQUITY 46429B663 8,006 85,024 SH   DFND 1,4,7 0 0 85,024
ISHARES IBONDS ETF 46434VAX8 421 16,430 SH   SOLE   0 0 16,430
ISHARES IBONDS ETF 46434VBG4 424 16,509 SH   SOLE   0 0 16,509
ISHARES IBONDS ETF 46434VAQ3 599 23,628 SH   SOLE   0 0 23,628
ISHARES IBONDS ETF 46434VBA7 642 25,346 SH   SOLE   0 0 25,346
ISHARES IBONDS ETF 46434VBK5 659 26,362 SH   SOLE   0 0 26,362
iShares iBoxx $ Invest Grade Corp Bd ETF - FIXED INCOME 464287242 9,469 74,277 SH   DFND 2 0 0 74,277
iShares iBoxx High Yield Corporate Bd ETF - FIXED INCOME 464288513 1,507 17,287 SH   DFND 1 0 0 17,287
iShares JPMorgan USD Emerg Markets Bond ETF - FIXED INCOME 464288281 1,084 9,567 SH   DFND 4 0 0 9,567
ISHARES MSCI ETF 464287465 1,828 28,026 SH   SOLE   0 0 28,026
iShares MSCI Australia Index ETF - EQUITY 464286103 413 18,579 SH   DFND 2 0 0 18,579
iShares MSCI Brazil Capped Index ETF - EQUITY 464286400 414 9,828 SH   DFND 3 0 0 9,828
iShares MSCI Emerging Markets ETF - EQUITY 464287234 1,599 39,124 SH   DFND 7 0 0 39,124
iShares New York Muni ETF - FIXED INCOME 464288323 235 4,101 SH   DFND 7 0 0 4,101
iShares Russell Mid Cap Growth ETF - EQUITY 464287481 227 1,606 SH   DFND 4 0 0 1,606
iShares S&P Global Technology ETF - EQUITY 464287291 412 2,227 SH   DFND 3 0 0 2,227
iShares S&P Global Utilities ETF - EQUITY 464288711 439 7,522 SH   DFND 7 0 0 7,522
iShares S&P National AMT-Free Mun ETF - FIXED INCOME 464288414 926 8,117 SH   DFND 3 0 0 8,117
Johnson & Johnson COMMON STOCKS 478160104 274 2,116 SH   DFND 1 0 0 2,116
JPMorgan Chase & Co COMMON STOCKS 46625H100 264 2,240 SH   DFND 1 0 0 2,240
McDonalds Corp COMMON STOCKS 580135101 350 1,629 SH   DFND 8 0 0 1,629
Microsoft Corporation COMMON STOCKS 594918104 478 3,437 SH   DFND 2 0 0 3,437
Nuveen Enhanced Yield US Aggre ETF - FIXED INCOME 67092P102 402 16,137 SH   DFND 1 0 0 16,137
Pepsico, Inc. COMMON STOCKS 713448108 225 1,644 SH   DFND 2 0 0 1,644
PIMCO 0-5 Year Hi Yld Corp Bond Idx ETF - FIXED INCOME 72201R783 232 2,329 SH   DFND 1,2,3,4,12 0 0 2,329
Procter & Gamble Company COMMON STOCKS 742718109 540 4,343 SH   DFND 8 0 0 4,343
Public Service Enter Group, Inc. COMMON STOCKS 744573106 305 4,912 SH   DFND 3 0 0 4,912
SECTOR ENERGY ETF 81369Y506 1,485 25,077 SH   SOLE   0 0 25,077
SECTOR FINANCIAL ETF 81369Y605 5,573 199,023 SH   SOLE   0 0 199,023
SIRIUS XM Common Stock 82968B103 68 10,806 SH   SOLE   0 0 10,806
SPDR Barclays 1-3 Month T Bill ETF - FIXED INCOME 78468R663 367 4,010 SH   DFND 2,3,10,13 0 0 4,010
SPDR BLM Barclays High Yld Bond ETF - FIXED INCOME 78468R622 587 5,397 SH   DFND 1,2,3,4,7,9,13 0 0 5,397
SPDR PORTFOLIO ETF 78464A474 203 6,574 SH   SOLE   0 0 6,574
SPDR S&P ETF 78464A698 286 5,409 SH   SOLE   0 0 5,409
SPDR S&P 500 ETF - EQUITY 78462F103 734 2,475 SH   DFND 1,3 0 0 2,475
SPDR SERIES ETF 78464A763 278 2,709 SH   SOLE   0 0 2,709
Technology Select Sector SPDR ETF - EQUITY 81369Y803 866 10,750 SH   DFND 1,2,3 0 0 10,750
Utilities Select Sector SPDR ETF - EQUITY 81369Y886 853 13,180 SH   DFND 1,2,3,10 0 0 13,180
Vanguard FTSE All-World ex-US ETF ETF - EQUITY 922042775 410 8,220 SH   DFND 7 0 0 8,220
Vanguard Growth ETF ETF - EQUITY 922908736 15,494 93,180 SH   DFND 7 0 0 93,180
Vanguard High Dividend Yield Indx ETF - EQUITY 921946406 250 2,818 SH   DFND 7 0 0 2,818
VANGUARD LARGE ETF 922908637 246 1,807 SH   SOLE   0 0 1,807
VANGUARD MEGA ETF 921910873 309 2,996 SH   SOLE   0 0 2,996
Vanguard Mid Cap ETF ETF - EQUITY 922908629 10,001 59,671 SH   DFND 3 0 0 59,671
Vanguard S&P 500 ETF - EQUITY 922908363 946 3,471 SH   DFND 1 0 0 3,471
VANGUARD SHORT ETF 921937827 328 4,064 SH   SOLE   0 0 4,064
Vanguard Small Cap ETF ETF - EQUITY 922908751 8,319 54,060 SH   DFND 3 0 0 54,060
Vanguard Small Cap Growth ETF ETF - EQUITY 922908595 206 1,131 SH   DFND 7 0 0 1,131
VANGUARD TOTAL ETF 922908769 1,698 11,245 SH   SOLE   0 0 11,245
Vanguard Value ETF ETF - EQUITY 922908744 18,574 166,406 SH   DFND 1 0 0 166,406
VERISK ANALYTICS Common Stock 92345Y106 841 5,316 SH   SOLE   0 0 5,316
Verizon Communications, Inc. COMMON STOCKS 92343V104 852 14,117 SH   DFND 2,3,8 0 0 14,117
Walt Disney Co COMMON STOCKS 254687106 888 6,814 SH   DFND 3 0 0 6,814