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
SIRIUS XM COMMON STOCK 82968B103 77 10,823 SH   SOLE   0 0 10,823
Bank of America Corp COMMON STOCK 060505104 205 5,817 SH   DFND 1,2 0 0 5,817
Ultra S&P500 ProShares ETF 74347R107 218 1,443 SH   DFND 1 0 0 1,443
iShares S&P Global Telecommunications ETF 464287275 222 3,610 SH   DFND 1 0 0 3,610
Home Depot, Inc. COMMON STOCK 437076102 224 1,028 SH   DFND 1,2 0 0 1,028
SPDR Bloomberg Barclays Shrt Trm Bd ETF 78464A474 225 7,280 SH   DFND 1 0 0 7,280
Vanguard Small Cap Growth ETF ETF 922908595 233 1,174 SH   DFND 2 0 0 1,174
SPDR Bloomberg TIPS ETF 78464A656 240 8,398 SH   DFND 1 0 0 8,398
iShares New York Muni ETF 464288323 246 4,312 SH   DFND 2 0 0 4,312
Vanguard Mortgage Backed Sec Idx ETF ETF 92206C771 253 4,767 SH   DFND 1 0 0 4,767
Coca-Cola Company COMMON STOCK 191216100 258 4,662 SH   DFND 1,2 0 0 4,662
Pepsico, Inc. COMMON STOCK 713448108 261 1,911 SH   DFND 2 233 0 1,677
Vanguard High Dividend Yield Indx ETF 921946406 266 2,836 SH   DFND 1 0 0 2,836
VANGUARD LARGE ETF 922908637 267 1,807 SH   SOLE   0 0 1,807
iShares Core MSCI Emerging Mkts ETF 46434G103 284 5,287 SH   DFND 1 0 0 5,287
Public Service Enter Group, Inc. COMMON STOCK 744573106 296 5,005 SH   DFND 1,2 0 0 5,005
Automatic Data Processing, Inc. COMMON STOCK 053015103 314 1,843 SH   DFND 1 224 0 1,619
SPDR S&P ETF 78464A698 317 5,443 SH   SOLE   0 0 5,443
Johnson & Johnson COMMON STOCK 478160104 320 2,192 SH   DFND 1,2 734 0 1,458
INTL BUSINESS COMMON STOCK 459200101 320 2,388 SH   SOLE   0 0 2,388
JPMorgan Chase & Co COMMON STOCK 46625H100 321 2,302 SH   DFND 1,2 2 0 2,300
SPDR SERIES ETF 78464A763 324 3,008 SH   SOLE   444 0 2,564
McDonalds Corp COMMON STOCK 580135101 329 1,664 SH   DFND 2 132 0 1,532
VANGUARD SHORT ETF 921937827 329 4,083 SH   SOLE   0 0 4,083
VANGUARD MEGA ETF 921910873 335 2,996 SH   SOLE   0 0 2,996
iShares Core S&P 500 ETF ETF 464287200 349 1,081 SH   DFND 1,2 0 0 1,081
iShares S&P Global Financials ETF 464287333 370 5,386 SH   DFND 1 0 0 5,386
Vanguard Total World Stock Index ETF ETF 922042742 371 4,577 SH   DFND 1 0 0 4,577
iShares MSCI Brazil Capped Index ETF 464286400 385 8,109 SH   DFND 1 0 0 8,109
iShares S&P Global Materials ETF 464288695 392 5,812 SH   DFND 1 0 0 5,812
iShares GS Semiconductor Index ETF 464287523 397 1,581 SH   DFND 1 0 0 1,581
GENERAL ELECTRIC COMMON STOCK 369604103 398 35,701 SH   SOLE   0 0 35,701
ISHARES IBONDS ETF 46434VAX8 420 16,446 SH   SOLE   8,282 0 8,165
Procter & Gamble Company COMMON STOCK 742718109 423 3,386 SH   DFND 1,2 250 0 3,136
ISHARES IBONDS ETF 46434VBG4 425 16,526 SH   SOLE   8,319 0 8,207
Alphabet, Inc. A COMMON STOCK 02079K305 427 319 SH   DFND 1,2 0 0 319
iShares Barclays 1-3 Yr Trs Bond ETF 464287457 437 5,165 SH   DFND 1 0 0 5,165
Vanguard FTSE All-World ex-US ETF ETF 922042775 443 8,239 SH   DFND 1 0 0 8,239
AT&T, Inc. COMMON STOCK 00206R102 456 11,675 SH   DFND 1,2 516 0 11,158
Deutsche X Trackers USD Corp COMMON STOCK 233051432 466 9,254 SH   DFND 1 0 0 9,254
Consumer Staples Select Sector SPDR ETF 81369Y308 469 7,449 SH   DFND 1 132 0 7,317
SPDR Barclays 1-3 Month T Bill ETF 78468R663 477 5,222 SH   DFND 1 0 0 5,222
Utilities Select Sector SPDR ETF 81369Y886 493 7,628 SH   DFND 1 371 0 7,257
INVESCO S&P ETF 46137V373 510 3,492 SH   SOLE   539 0 2,953
Microsoft Corporation COMMON STOCK 594918104 571 3,623 SH   DFND 1,2 580 0 3,043
Berkshire Hathaway, Inc. Cl B COMMON STOCK 084670702 572 2,526 SH   DFND 2 0 0 2,526
iShares Dow Jones Select Dividend ETF 464287168 576 5,453 SH   DFND 1 4,674 0 779
ISHARES IBONDS ETF 46434VAQ3 598 23,641 SH   SOLE   8,882 0 14,759
iShares Floating Rate Note Fund ETF 46429B655 600 11,787 SH   DFND 1 675 0 11,112
iShares Russell Mid Cap Growth ETF 464287481 613 4,020 SH   DFND 1 0 0 4,020
SPDR BLM Barclays High Yld Bond ETF 78468R622 615 5,613 SH   DFND 1 0 0 5,613
ISHARES IBONDS ETF 46434VBA7 641 25,362 SH   SOLE   9,449 0 15,913
Health Care Select Sector SPDR ETF 81369Y209 648 6,360 SH   DFND 1 93 0 6,268
ISHARES IBONDS ETF 46434VBK5 658 26,382 SH   SOLE   9,494 0 16,888
Verizon Communications, Inc. COMMON STOCK 92343V104 686 11,174 SH   DFND 1,2 1,531 0 9,643
iShares Barclays Short Treasury Bond ETF 464288679 718 6,498 SH   DFND 1,2 0 0 6,498
iShares Barclays MBS Fixed-Rate Bond ETF 464288588 726 6,722 SH   DFND 1 0 0 6,722
iShares S&P National AMT-Free Mun ETF 464288414 757 6,644 SH   DFND 1 0 0 6,644
SPDR S&P 500 ETF 78462F103 779 2,422 SH   DFND 1,2 148 0 2,274
VERISK ANALYTICS COMMON STOCK 92345Y106 794 5,316 SH   SOLE   0 0 5,316
iShares Barclays 7-10 Year Treasury ETF 464287440 856 7,766 SH   DFND 1 21 0 7,745
ISHARES CORE ETF 464287804 925 11,032 SH   SOLE   189 0 10,843
INVESCO S&P ETF 46137V274 937 8,812 SH   SOLE   1,473 0 7,339
Walt Disney Co COMMON STOCK 254687106 1,017 7,029 SH   DFND 1,2 5,720 0 1,309
iShares JPMorgan USD Emerg Markets Bond ETF 464288281 1,097 9,576 SH   DFND 1 733 0 8,843
Vanguard S&P 500 ETF 922908363 1,130 3,820 SH   DFND 1 0 0 3,820
FIRST TRUST ETF 33740F805 1,263 24,366 SH   SOLE   82 0 24,284
Technology Select Sector SPDR ETF 81369Y803 1,265 13,800 SH   DFND 1 231 0 13,569
SECTOR ENERGY ETF 81369Y506 1,400 23,322 SH   SOLE   4,168 0 19,154
ISHARES MSCI ETF 464287465 1,582 22,787 SH   SOLE   175 0 22,611
Amazon.com, Inc. COMMON STOCK 023135106 1,593 862 SH   DFND 1 0 0 862
iShares iBoxx High Yield Corporate Bd ETF 464288513 1,608 18,290 SH   DFND 1 0 0 18,290
iShares MSCI Emerging Markets ETF 464287234 1,745 38,897 SH   DFND 1 5,531 0 33,365
VANGUARD TOTAL ETF 922908769 1,894 11,576 SH   SOLE   166 0 11,410
PIMCO INVESTMENT ETF 72201R817 3,216 29,250 SH   SOLE   0 0 29,250
iShares Core MSCI EAFE ETF 46432F842 3,585 54,955 SH   DFND 1 7,506 0 47,449
Apple, Inc. COMMON STOCK 037833100 3,945 13,435 SH   DFND 1,2 413 0 13,023
iShares Core Div Growth ETF 46434V621 4,255 101,141 SH   DFND 1 1,160 0 99,981
Consumer Discretionary SPDR ETF 81369Y407 5,747 45,820 SH   DFND 1 3,476 0 42,344
Financial Select Sector SPDR ETF 81369Y605 6,890 223,836 SH   DFND 1 18,484 0 205,352
Vanguard Small Cap ETF ETF 922908751 8,864 53,515 SH   DFND 2 3,901 0 49,614
iShares iBoxx $ Invest Grade Corp Bd ETF 464287242 9,150 71,509 SH   DFND 1 5,317 0 66,193
iShares High Dividend Equity ETF 46429B663 9,351 95,353 SH   DFND 1 6,645 0 88,707
FIRST TRUST ETF 33739Q200 9,656 186,419 SH   SOLE   10,169 0 176,250
Vanguard Mid Cap ETF ETF 922908629 11,572 64,948 SH   DFND 1,2 4,382 0 60,566
Vanguard Growth ETF ETF 922908736 18,608 102,147 SH   DFND 1 5,572 0 96,575
Vanguard Value ETF ETF 922908744 22,120 184,565 SH   DFND 1 10,287 0 174,278