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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC Common Stock 02079K107 315 271 SH   SOLE   0 0 271
Alphabet, Inc. A COMMON STOCKS | Common Stock 02079K305 343 295 SH   DFND 1, 2 0 0 295
Amazon.com, Inc. COMMON STOCKS | Common Stock 023135106 821 421 SH   DFND 1 0 0 421
Apple, Inc. COMMON STOCKS | Common Stock 037833100 4,649 18,283 SH   DFND 1, 2 0 0 18,283
AT&T, Inc. COMMON STOCKS | Common Stock 00206R102 497 17,043 SH   DFND 1, 2 0 0 17,043
Automatic Data Processing, Inc. COMMON STOCKS | Common Stock 053015103 252 1,846 SH   DFND 1 0 0 1,846
Berkshire Hathaway, Inc. Cl B COMMON STOCKS | Common Stock 084670702 467 2,556 SH   DFND 2 0 0 2,556
Coca-Cola Company COMMON STOCKS | Common Stock 191216100 212 4,792 SH   DFND 1, 2 0 0 4,792
Consumer Discretionary SPDR ETF - FIXED INCOME | etf 81369Y407 4,364 44,498 SH   SOLE   1,375 0 43,124
Consumer Staples Select Sector SPDR ETF - FIXED INCOME | etf 81369Y308 887 16,277 SH   SOLE   132 0 16,145
Deutsche X Trackers USD Corp COMMON STOCKS 233051432 255 5,794 SH   DFND 1 0 0 5,794
Financial Select Sector SPDR ETF - FIXED INCOME | etf 81369Y605 4,298 206,414 SH   SOLE   7,170 0 199,245
FIRST TRUST etf 33738D309 205 4,906 SH   SOLE   63 0 4,843
FIRST TRUST etf 33740F805 1,201 22,776 SH   SOLE   82 0 22,694
FIRST TRUST etf 33739Q200 10,058 197,217 SH   SOLE   3,332 0 193,885
GENERAL ELECTRIC Common Stock 369604103 359 45,151 SH   SOLE   0 0 45,151
Health Care Select Sector SPDR ETF - FIXED INCOME | etf 81369Y209 1,275 14,392 SH   SOLE   94 0 14,299
Home Depot, Inc. COMMON STOCKS | Common Stock 437076102 242 1,297 SH   DFND 1, 2 0 0 1,297
INTL BUSINESS Common Stock 459200101 281 2,532 SH   SOLE   0 0 2,532
INVESCO S&P etf 46137V373 404 3,268 SH   SOLE   0 0 3,268
INVESCO S&P etf 46137V274 651 7,358 SH   SOLE   0 0 7,358
iShares Barclay Agency Bond Fund ETF - FIXED INCOME 464288166 294 2,437 SH   SOLE   0 0 2,437
iShares Barclays 1-3 Yr Trs Bond ETF - EQUITY | etf 464287457 778 8,981 SH   SOLE   0 0 8,981
iShares Barclays 7-10 Year Treasury ETF - EQUITY | etf 464287440 1,149 9,455 SH   SOLE   21 0 9,434
iShares Barclays Government/Cr Bond ETF - FIXED INCOME 464288596 302 2,493 SH   SOLE   0 0 2,493
iShares Barclays Inter Med Govt Cr Bd ETF - FIXED INCOME 464288612 298 2,598 SH   SOLE   0 0 2,598
iShares Barclays MBS Fixed-Rate Bond ETF - FIXED INCOME 464288588 740 6,701 SH   SOLE   0 0 6,701
iShares Broad USD High Yield Corp Bond ETF - FIXED INCOME 46435U853 286 8,049 SH   DFND 1 0 0 8,049
ISHARES CORE ETF - EQUITY 464287200 255 986 SH   SOLE   0 0 986
ISHARES CORE etf 464287804 911 16,237 SH   SOLE   0 0 16,237
ISHARES CORE etf 46434V621 3,566 109,422 SH   SOLE   94 0 109,328
ISHARES CORE ETF - FIXED INCOME 46429B663 5,667 79,197 SH   SOLE   2,465 0 76,732
iShares Core MSCI EAFE ETF - FIXED INCOME | etf 46432F842 2,138 42,858 SH   SOLE   2,950 0 39,908
iShares Core MSCI Emerging Mkts ETF - FIXED INCOME 46434G103 203 5,025 SH   SOLE   0 0 5,025
iShares Core Total US Bond Market ETF ETF - EQUITY | etf 464287226 241 2,086 SH   SOLE   0 0 2,086
iShares Floating Rate Note Fund ETF - FIXED INCOME | etf 46429B655 332 6,821 SH   SOLE   0 0 6,821
iShares GS Semiconductor Index ETF - EQUITY 464287523 309 1,506 SH   SOLE   0 0 1,506
ISHARES IBONDS etf 46434VBG4 409 16,536 SH   SOLE   4,469 0 12,067
ISHARES IBONDS etf 46434VAX8 411 16,457 SH   SOLE   4,452 0 12,005
ISHARES IBONDS etf 46434VAQ3 596 23,650 SH   SOLE   4,396 0 19,254
ISHARES IBONDS etf 46434VBA7 629 25,373 SH   SOLE   4,845 0 20,528
ISHARES IBONDS etf 46434VBK5 651 26,396 SH   SOLE   4,874 0 21,522
iShares iBoxx High Yield Corporate Bd ETF - FIXED INCOME | etf 464288513 804 10,436 SH   DFND 1 0 0 10,436
iShares iBoxx Invest Grade Corp Bd ETF - EQUITY | etf 464287242 8,572 69,405 SH   SOLE   1,659 0 67,746
iShares JPMorgan USD Emerg Markets Bond ETF - EQUITY | etf 464288281 676 6,990 SH   SOLE   309 0 6,681
ISHARES MSCI etf 464287465 999 18,682 SH   SOLE   175 0 18,507
iShares MSCI Emerging Markets ETF - EQUITY 464287234 1,059 31,019 SH   SOLE   2,216 0 28,803
ISHARES RUSSELL ETF - EQUITY 464287481 253 2,084 SH   SOLE   0 0 2,084
iShares S&P Global Technology ETF - EQUITY 464287291 304 1,667 SH   SOLE   0 0 1,667
iShares S&P National AMT-Free Mun ETF - FIXED INCOME | etf 464288414 541 4,790 SH   SOLE   0 0 4,790
ISHARES SELECT ETF - EQUITY 464287168 366 4,979 SH   SOLE   4,674 0 305
Johnson & Johnson COMMON STOCKS | Common Stock 478160104 276 2,101 SH   DFND 1, 2 0 0 2,101
JPMorgan Chase & Co COMMON STOCKS | Common Stock 46625H100 228 2,536 SH   DFND 1, 2 0 0 2,536
MCDONALDS CORP Common Stock 580135101 216 1,305 SH   SOLE   0 0 1,305
Microsoft Corporation COMMON STOCKS | Common Stock 594918104 1,329 8,429 SH   DFND 1, 2 0 0 8,429
NVIDIA CORP COMMON STOCKS 67066G104 244 925 SH   SOLE   0 0 925
PIMCO INVESTMENT etf 72201R817 4,379 41,362 SH   SOLE   0 0 41,362
Procter & Gamble Company COMMON STOCKS | Common Stock 742718109 387 3,521 SH   DFND 1, 2 0 0 3,521
Public Service Enter Group, Inc. COMMON STOCKS | Common Stock 744573106 201 4,474 SH   DFND 2 0 0 4,474
SECTOR ENERGY ETF - EQUITY | etf 81369Y506 355 12,200 SH   SOLE   1,720 0 10,480
SIRIUS XM Common Stock 82968B103 54 10,837 SH   SOLE   0 0 10,837
SPDR Barclays 1-3 Month T Bill etf 78468R663 390 4,255 SH   SOLE   0 0 4,255
SPDR BLM Barclays High Yld Bond etf 78468R622 424 4,478 SH   DFND 1 0 0 4,478
SPDR Bloomberg Barclays Shrt Trm Bd etf | etf 78464A474 392 12,945 SH   SOLE   0 0 12,945
SPDR Invstmnt Grade Floating Rate ETF etf 78468R200 432 14,681 SH   SOLE   0 0 14,681
SPDR S&P 500 etf | etf 78462F103 568 2,203 SH   DFND 2 148 0 2,055
Technology Select Sector SPDR etf | etf 81369Y803 1,401 17,431 SH   SOLE   0 0 17,431
Utilities Select Sector SPDR ETF - FIXED INCOME | etf 81369Y886 447 8,067 SH   SOLE   132 0 7,935
Vanguard FTSE All-World ex-US ETF ETF - EQUITY | etf 922042775 257 6,254 SH   SOLE   0 0 6,254
Vanguard Growth ETF ETF - EQUITY | etf 922908736 15,412 98,363 SH   SOLE   2,280 0 96,083
VANGUARD LARGE etf 922908637 214 1,807 SH   SOLE   0 0 1,807
VANGUARD MEGA etf 921910873 539 5,924 SH   SOLE   62 0 5,862
Vanguard Mega Cap 300 Growth Index ETF - EQUITY 921910816 649 5,106 SH   SOLE   0 0 5,106
Vanguard Mega Cap 300 Value Index ETF ETF - EQUITY 921910840 593 8,985 SH   SOLE   0 0 8,985
Vanguard Mid Cap ETF ETF - EQUITY | etf 922908629 8,050 61,149 SH   SOLE   1,572 0 59,577
Vanguard Mid-Cap Growth ETF ETF - EQUITY | etf 922908538 215 1,701 SH   SOLE   0 0 1,701
Vanguard S&P 500 ETF - EQUITY | etf 922908363 826 3,488 SH   SOLE   0 0 3,488
VANGUARD SHORT etf 921937827 336 4,092 SH   SOLE   0 0 4,092
VANGUARD SMALL etf 922908751 5,390 46,692 SH   SOLE   1,506 0 45,186
Vanguard Small Cap Growth ETF ETF - EQUITY | etf 922908595 274 1,822 SH   SOLE   0 0 1,822
Vanguard Small Cap Value ETF ETF - EQUITY | etf 922908611 278 3,125 SH   SOLE   0 0 3,125
VANGUARD TOTAL etf 922908769 1,471 11,415 SH   SOLE   166 0 11,249
Vanguard Value ETF ETF - EQUITY | etf 922908744 16,358 183,673 SH   SOLE   3,895 0 179,778
VERISK ANALYTICS Common Stock 92345Y106 602 4,316 SH   SOLE   0 0 4,316
Verizon Communications, Inc. COMMON STOCKS | Common Stock 92343V104 640 11,904 SH   DFND 1, 2 0 0 11,904
VISA, Inc. COMMON STOCKS | Common Stock 92826C839 226 1,401 SH   DFND 2 0 0 1,401
Walt Disney Co COMMON STOCKS | Common Stock 254687106 673 6,964 SH   DFND 1, 2 0 0 6,964