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 Common Stock 02079K107 393 278 SH   SOLE   0 0 278
Alphabet, Inc. A Common Stock 02079K305 435 307 SH   DFND 1,2,3 0 0 307
Amazon.com, Inc. Common Stock 023135106 1,655 600 SH   DFND 1,2,3 0 0 600
Amgen, Inc. Common Stock 031162100 213 901 SH   DFND 1,2 0 0 901
Apple, Inc. Common Stock 037833100 7,021 19,245 SH   DFND 1,2,3 0 0 19,245
AT&T, Inc. Common Stock 00206R102 601 19,875 SH   DFND 1,2,3 0 0 19,875
Automatic Data Processing, Inc. Common Stock 053015103 275 1,848 SH   DFND 1 0 0 1,848
Berkshire Hathaway, Inc. Cl B Common Stock 084670702 520 2,913 SH   DFND 3 0 0 2,913
Coca-Cola Company Common Stock 191216100 214 4,798 SH   DFND 1,3 0 0 4,798
Consumer Discretionary SPDR ETF 81369Y407 6,029 47,206 SH   DFND 2 488 0 46,718
Consumer Staples Select Sector SPDR ETF 81369Y308 1,019 17,373 SH   DFND 2 0 0 17,373
Financial Select Sector SPDR ETF 81369Y605 4,982 215,284 SH   DFND 2 2,550 0 212,734
FIRST TRUST ETF 33738D309 223 4,953 SH   SOLE   64 0 4,890
FIRST TRUST ETF 33739Q200 10,920 211,297 SH   SOLE   1,243 0 210,054
FIRST TRUST ETF 33740F805 1,240 22,635 SH   SOLE   82 0 22,553
GENERAL ELECTRIC Common Stock 369604103 319 46,652 SH   SOLE   0 0 46,652
Health Care Select Sector SPDR ETF 81369Y209 2,008 20,068 SH   DFND 2 0 0 20,068
Home Depot, Inc. Common Stock 437076102 371 1,482 SH   DFND 1,2,3 0 0 1,482
Intel Corporation Common Stock 458140100 286 4,783 SH   DFND 1,2,3 0 0 4,783
INTL BUSINESS Common Stock 459200101 308 2,550 SH   SOLE   0 0 2,550
INVESCO S&P ETF 46137V274 674 7,411 SH   SOLE   0 0 7,411
INVESCO S&P ETF 46137V373 348 2,569 SH   SOLE   0 0 2,569
iShares Barclays 1-3 Yr Trs Bond ETF 464287457 351 4,058 SH   DFND 2 0 0 4,058
iShares Barclays 10-20 Year Treas Bd ETF 464288653 336 2,007 SH   DFND 2 0 0 2,007
iShares Barclays 20 Yr Trs Bond ETF 464287432 567 3,457 SH   DFND 2 0 0 3,457
iShares Barclays 7-10 Year Treasury ETF 464287440 2,424 19,888 SH   DFND 1,2 0 0 19,888
iShares Barclays MBS Fixed-Rate Bond ETF 464288588 360 3,248 SH   DFND 2 0 0 3,248
ISHARES CORE ETF 464287200 327 1,057 SH   DFND 1,3 0 0 1,057
ISHARES CORE ETF 464287804 1,305 19,115 SH   SOLE   0 0 19,115
ISHARES CORE ETF 46429B663 6,197 76,364 SH   SOLE   1,143 0 75,221
ISHARES CORE ETF 46434V621 4,349 115,676 SH   DFND 2 95 0 115,582
iShares Core MSCI EAFE ETF 46432F842 2,254 39,433 SH   DFND 2 1,415 0 38,018
iShares Core MSCI Emerging Mkts ETF 46434G103 258 5,415 SH   DFND 2 0 0 5,415
iShares Floating Rate Note Fund ETF 46429B655 200 3,951 SH   DFND 2 0 0 3,951
iShares GS Semiconductor Index ETF 464287523 343 1,267 SH   DFND 2 0 0 1,267
ISHARES IBONDS ETF 46434VAQ3 599 23,662 SH   SOLE   1,401 0 22,261
ISHARES IBONDS ETF 46434VAX8 432 16,473 SH   SOLE   1,414 0 15,059
ISHARES IBONDS ETF 46434VBA7 652 25,389 SH   SOLE   1,419 0 23,970
ISHARES IBONDS ETF 46434VBG4 436 16,553 SH   SOLE   1,416 0 15,137
ISHARES IBONDS ETF 46434VBK5 664 26,417 SH   SOLE   1,430 0 24,987
iShares iBoxx $ Invest Grade Corp Bd ETF 464287242 9,170 68,177 SH   DFND 2 592 0 67,585
iShares iBoxx High Yield Corporate Bd ETF 464288513 347 4,252 SH   DFND 2 0 0 4,252
iShares JPMorgan USD Emerg Markets Bond ETF 464288281 658 6,024 SH   DFND 2 206 0 5,818
ISHARES MSCI ETF 464287465 872 14,324 SH   SOLE   178 0 14,146
iShares MSCI Emerging Markets ETF 464287234 1,024 25,596 SH   DFND 2 885 0 24,711
ISHARES NEW YORK ETF 464288323 248 4,315 SH   DFND 3 0 0 4,315
iShares Rate Hedged Corp Bond ETF 46431W705 239 2,662 SH   DFND 2 0 0 2,662
ISHARES RUSSELL ETF 464287481 461 2,916 SH   DFND 2 0 0 2,916
ISHARES RUSSELL ETF 464287614 392 2,044 SH   DFND 2 0 0 2,044
iShares S&P Global Technology ETF 464287291 352 1,495 SH   DFND 2 0 0 1,495
iShares S&P National AMT-Free Mun ETF 464288414 918 7,956 SH   DFND 2 0 0 7,956
ISHARES SELECT ETF 464287168 497 6,153 SH   DFND 2 0 0 6,153
Johnson & Johnson Common Stock 478160104 331 2,356 SH   DFND 1,3 0 0 2,356
JPMorgan Chase & Co Common Stock 46625H100 293 3,118 SH   DFND 1,3 0 0 3,118
Mastercard, Inc. Common Stock 57636Q104 264 894 SH   DFND 2,3 0 0 894
MCDONALDS CORP Common Stock 580135101 294 1,596 SH   DFND 1,3 0 0 1,596
Microsoft Corporation Common Stock 594918104 2,080 10,222 SH   DFND 1,2,3 0 0 10,222
NVIDIA CORP Common Stock 67066G104 333 875 SH   SOLE   0 0 875
PEPSICO INC Common Stock 713448108 267 2,021 SH   DFND 3 0 0 2,021
Pfizer, Inc. Common Stock 717081103 201 6,134 SH   DFND 1,2,3 0 0 6,134
Philip Morris International, Inc. Common Stock 718172109 212 3,029 SH   DFND 1,2,3 0 0 3,029
PIMCO 15 Year U.S. TIPS Index ETF 72201R304 336 4,027 SH   DFND 2 0 0 4,027
PIMCO INVESTMENT ETF 72201R817 6,256 54,748 SH   SOLE   0 0 54,748
Procter & Gamble Company Common Stock 742718109 481 4,021 SH   DFND 1,2,3 0 0 4,021
Public Service Enter Group, Inc. Common Stock 744573106 214 4,359 SH   DFND 2,3 0 0 4,359
REGENERON PHARMACEUTICAL Common Stock 75886F107 206 330 SH   DFND 1,3 0 0 330
SECTOR ENERGY ETF 81369Y506 382 10,085 SH   DFND 2 720 0 9,365
SIRIUS XM Common Stock 82968B103 64 10,854 SH   SOLE   0 0 10,854
SPDR Barclays 1-3 Month T Bill ETF 78468R663 545 5,954 SH   DFND 2 0 0 5,954
SPDR Bloomberg Barclays Shrt Trm Bd ETF 78464A474 210 6,698 SH   SOLE   0 0 6,698
SPDR Invstmnt Grade Floating Rate ETF ETF 78468R200 218 7,142 SH   DFND 2 0 0 7,142
SPDR Portfolio Intermediate Term ETF 78464A672 1,284 38,656 SH   DFND 1,2 0 0 38,656
SPDR Portfolio Lng Trm Treas ETF 78464A664 333 7,092 SH   DFND 2 0 0 7,092
SPDR S&P 500 ETF 78462F103 612 1,983 SH   DFND 2,3 76 0 1,908
Technology Select Sector SPDR ETF 81369Y803 2,468 23,623 SH   DFND 2 0 0 23,623
Utilities Select Sector SPDR ETF 81369Y886 395 6,993 SH   DFND 2 0 0 6,993
Vanguard FTSE All-World ex-US ETF ETF 922042775 358 7,520 SH   DFND 2 0 0 7,520
Vanguard Growth ETF ETF 922908736 21,341 105,601 SH   DFND 2 1,183 0 104,418
VANGUARD LARGE ETF 922908637 258 1,807 SH   SOLE   0 0 1,807
VANGUARD MEGA ETF 921910873 654 5,974 SH   SOLE   62 0 5,912
Vanguard Mega Cap 300 Growth Index ETF 921910816 1,185 7,246 SH   DFND 2 0 0 7,246
Vanguard Mega Cap 300 Value Index ETF ETF 921910840 988 13,498 SH   DFND 2 0 0 13,498
Vanguard Mid Cap ETF ETF 922908629 9,984 60,913 SH   DFND 2 583 0 60,330
Vanguard Mid-Cap Growth ETF ETF 922908538 373 2,258 SH   DFND 2 0 0 2,258
Vanguard Mid-Cap Value ETF ETF 922908512 275 2,870 SH   DFND 2 0 0 2,870
Vanguard S&P 500 ETF 922908363 1,002 3,536 SH   DFND 2 0 0 3,536
VANGUARD SHORT ETF 921937827 295 3,544 SH   SOLE   0 0 3,544
VANGUARD SMALL ETF 922908751 6,380 43,786 SH   SOLE   699 0 43,087
Vanguard Small Cap Growth ETF ETF 922908595 409 2,050 SH   DFND 2 0 0 2,050
Vanguard Small Cap Value ETF ETF 922908611 452 4,224 SH   DFND 2 0 0 4,224
VANGUARD TOTAL ETF 922908769 1,711 10,928 SH   SOLE   166 0 10,762
Vanguard Value ETF ETF 922908744 18,956 190,336 SH   DFND 2 1,845 0 188,491
VERISK ANALYTICS Common Stock 92345Y106 735 4,316 SH   SOLE   0 0 4,316
Verizon Communications, Inc. Common Stock 92343V104 736 13,349 SH   DFND 1,2,3 0 0 13,349
VISA, Inc. Common Stock 92826C839 248 1,281 SH   DFND 3 0 0 1,281
Walt Disney Co Common Stock 254687106 1,012 9,071 SH   DFND 1,3 0 0 9,071