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
ADOBE INC COM 00724F101 215 439 SH   DFND 2 0 0 439
AMGEN INC COM 031162100 235 925 SH   DFND 1,3 0 0 925
AUTOMATIC DATA COM 053015103 258 1,849 SH   DFND 1 0 0 1,849
COCA COLA COMPANY COM 191216100 250 5,071 SH   DFND 1,2 0 0 5,071
GENERAL ELECTRIC COM 369604103 299 47,997 SH   SOLE   0 0 47,997
INTEL CORP COM 458140100 261 5,049 SH   DFND 1,2,3 0 0 5,049
INTL BUSINESS COM 459200101 313 2,570 SH   SOLE   0 0 2,570
JPMORGAN CHASE COM 46625H100 298 3,099 SH   DFND 1,2 0 0 3,099
JOHNSON & JOHNSON COM 478160104 361 2,422 SH   DFND 1,2 0 0 2,422
Mastercard, Inc. COM 57636Q104 274 809 SH   DFND 2,3 0 0 809
MCDONALDS CORP COM 580135101 362 1,649 SH   DFND 1,2 0 0 1,649
PEPSICO INC COM 713448108 283 2,042 SH   DFND 2 0 0 2,042
PFIZER INC COM 717081103 224 6,106 SH   DFND 1,2,3 0 0 6,106
PHILIP MORRIS COM 718172109 221 2,940 SH   DFND 1,2,3 0 0 2,940
PUBLIC SERVICE COM 744573106 218 3,962 SH   DFND 2,3 0 0 3,962
SIRIUS XM COM 82968B103 58 10,869 SH   SOLE   0 0 10,869
SOUTHWEST AIRLINES COM 844741108 351 9,350 SH   SOLE   0 0 9,350
TESLA INC COM 88160R101 215 500 SH   SOLE   0 0 500
UnitedHealth Group, Inc. COM 91324P102 213 682 SH   DFND 1,2,3 0 0 682
VISA INC COM 92826C839 272 1,359 SH   DFND 2 0 0 1,359
ALPHABET INC COM 02079K107 419 285 SH   SOLE   0 0 285
NVIDIA CORP COM 67066G104 408 755 SH   SOLE   0 0 755
VERISK ANALYTICS COM 92345Y106 800 4,316 SH   SOLE   0 0 4,316
AT&T INC COM 00206R102 649 22,759 SH   DFND 1,2,3 0 0 22,759
ALPHABET INC COM 02079K305 466 318 SH   DFND 1,2,3 0 0 318
AMAZON COM COM 023135106 2,018 641 SH   DFND 1,2,3 0 0 641
APPLE INC COM 037833100 7,953 68,673 SH   DFND 1,2,3 0 0 68,673
BERKSHIRE HATHAWAY COM 084670702 617 2,898 SH   DFND 2 0 0 2,898
WALT DISNEY COM 254687106 1,067 8,600 SH   DFND 1,2 0 0 8,600
HOME DEPOT COM 437076102 404 1,453 SH   DFND 1,2,3 0 0 1,453
MICROSOFT CORP COM 594918104 2,103 10,000 SH   DFND 1,2,3 0 0 10,000
PROCTER & GAMBLE COM 742718109 590 4,242 SH   DFND 1,2,3 0 0 4,242
VERIZON COMMUNICATIONS COM 92343V104 836 14,056 SH   DFND 1,2,3 0 0 14,056
FIRST TRUST ETF 33738D309 230 4,992 SH   SOLE   64 0 4,928
FIRST TRUST ETF 33739Q200 11,167 216,074 SH   SOLE   1,188 0 214,886
FIRST TRUST ETF 33740F805 1,385 25,165 SH   SOLE   0 0 25,165
INVESCO S&P ETF 46137V274 704 7,462 SH   SOLE   0 0 7,462
INVESCO S&P ETF 46137V373 369 2,580 SH   SOLE   0 0 2,580
iShares MSCI BRIC Index ETF 464286657 267 5,749 SH   DFND 3 0 0 5,749
ISHARES SELECT ETF 464287168 504 6,176 SH   DFND 3 0 0 6,176
ISHARES CORE ETF 464287200 442 1,315 SH   DFND 1,2 0 0 1,315
ISHARES MSCI ETF 464287234 1,072 24,324 SH   DFND 3 885 0 23,439
ISHARES IBOXX ETF 464287242 9,797 72,723 SH   DFND 3 595 0 72,128
ISHARES GLOBAL ETF 464287291 461 1,748 SH   DFND 3 0 0 1,748
ISHARES 20 ETF 464287432 707 4,330 SH   DFND 3 0 0 4,330
ISHARES 7-10YR ETF 464287440 1,324 10,871 SH   DFND 3 0 0 10,871
ISHARES 1-3YR ETF 464287457 376 4,350 SH   DFND 3 0 0 4,350
ISHARES MSCI ETF 464287465 838 13,168 SH   SOLE   178 0 12,990
ISHARES RUSSELL ETF 464287481 538 3,110 SH   DFND 3 0 0 3,110
iShares GS Semiconductor Index ETF 464287523 468 1,537 SH   DFND 3 0 0 1,537
ISHARES CORE ETF 464287804 1,370 19,511 SH   SOLE   0 0 19,511
ISHARES JPMORGAN ETF 464288281 664 5,988 SH   DFND 3 208 0 5,780
ISHARES NEW YORK ETF 464288323 248 4,317 SH   DFND 2 0 0 4,317
ISHARES NATIONAL ETF 464288414 1,002 8,642 SH   DFND 3 0 0 8,642
ISHARES IBOXX ETF 464288513 962 11,471 SH   DFND 1,3 0 0 11,471
iShares Barclays MBS Fixed-Rate Bond ETF 464288588 441 3,998 SH   DFND 3 0 0 3,998
iShares Board USD Invest Grade Bd ETF 464288620 453 7,454 SH   DFND 3 0 0 7,454
ISHARES 5-10 YEAR ETF 464288638 312 5,135 SH   DFND 3 0 0 5,135
iShares Barclays 10-20 Year Treas Bd ETF 464288653 456 2,741 SH   DFND 3 0 0 2,741
ISHARES FLOATING ETF 46429B655 238 4,698 SH   DFND 3 0 0 4,698
ISHARES CORE ETF 46429B663 5,450 67,720 SH   SOLE   1,147 0 66,573
iShares Rate Hedged Corp Bond ETF 46431W705 236 2,590 SH   DFND 3 0 0 2,590
ISHARES MSCI ETF 46432F396 255 1,730 SH   DFND 1,3 0 0 1,730
ISHARES CORE ETF 46432F842 2,163 35,888 SH   DFND 3 1,375 0 34,513
ISHARES CORE ETF 46434G103 325 6,152 SH   DFND 3 0 0 6,152
ISHARES EXPONENTIAL ETF 46434V381 288 5,929 SH   SOLE   0 0 5,929
ISHARES CORE ETF 46434V621 4,943 124,232 SH   DFND 3 95 0 124,137
ISHARES IBONDS ETF 46434VAQ3 597 23,670 SH   SOLE   1,401 0 22,269
ISHARES IBONDS ETF 46434VAX8 432 16,487 SH   SOLE   1,414 0 15,073
ISHARES IBONDS ETF 46434VBA7 651 25,403 SH   SOLE   1,419 0 23,984
ISHARES IBONDS ETF 46434VBG4 438 16,567 SH   SOLE   1,416 0 15,151
ISHARES IBONDS ETF 46434VBK5 662 26,436 SH   SOLE   1,430 0 25,006
ISHARES RUSSELL ETF 46435G268 652 14,558 SH   SOLE   0 0 14,558
PIMCO 0-5 ETF 72201R783 203 2,161 SH   DFND 1,3 0 0 2,161
PIMCO INVESTMENT ETF 72201R817 6,902 60,198 SH   SOLE   0 0 60,198
SPDR S&P ETF 78462F103 685 2,045 SH   DFND 2,3 76 0 1,968
SPDR S&P Developed World Ex-US ETF 78463X889 266 9,080 SH   DFND 3 0 0 9,080
SPDR PORTFOLIO ETF 78464A474 211 6,728 SH   SOLE   0 0 6,728
SPDR Invstmnt Grade Floating Rate ETF ETF 78468R200 306 10,000 SH   DFND 3 0 0 10,000
SPDR BLM Barclays High Yld Bond ETF 78468R622 429 4,113 SH   DFND 1,3 0 0 4,113
SPDR Barclays 1-3 Month T Bill ETF 78468R663 259 2,833 SH   DFND 3 0 0 2,833
SECTOR HEALTHCARE ETF 81369Y209 2,831 26,837 SH   DFND 3 0 0 26,837
SECTOR CONSUMER ETF 81369Y308 1,117 17,421 SH   DFND 3 0 0 17,421
CONSUMER DISCRETIONARY ETF 81369Y407 7,412 50,430 SH   DFND 3 488 0 49,942
SECTOR FINANCIAL ETF 81369Y605 4,510 187,365 SH   DFND 3 2,555 0 184,810
SECTOR TECHNOLOGY ETF 81369Y803 4,173 35,758 SH   DFND 3 217 0 35,541
SELECT UTILITIES ETF 81369Y886 488 8,222 SH   DFND 3 0 0 8,222
Vanguard Mega Cap 300 Growth Index ETF 921910816 1,083 5,839 SH   DFND 3 0 0 5,839
Vanguard Mega Cap 300 Value Index ETF ETF 921910840 807 10,516 SH   DFND 3 0 0 10,516
VANGUARD MEGA ETF 921910873 709 5,909 SH   SOLE   62 0 5,847
VANGUARD SHORT ETF 921937827 295 3,552 SH   SOLE   0 0 3,552
VANGUARD FTSE ETF 922042775 372 7,371 SH   DFND 3 0 0 7,371
VANGUARD SHORT ETF 92206C409 437 5,269 SH   DFND 3 0 0 5,269
VANGUARD S&P ETF 922908363 991 3,222 SH   DFND 3 0 0 3,222
Vanguard Mid-Cap Value ETF ETF 922908512 239 2,361 SH   DFND 3 0 0 2,361
VANGUARD MID ETF 922908538 323 1,794 SH   DFND 3 0 0 1,794
VANGUARD SMALL ETF 922908595 406 1,889 SH   DFND 3 0 0 1,889
VANGUARD SMALL ETF 922908611 403 3,643 SH   DFND 3 0 0 3,643
VANGUARD MID ETF 922908629 10,813 61,349 SH   DFND 3 583 0 60,766
VANGUARD GROWTH ETF 922908736 24,559 107,900 SH   DFND 3 1,183 0 106,717
VANGUARD VALUE ETF 922908744 19,955 190,942 SH   DFND 3 1,848 0 189,094
VANGUARD SMALL ETF 922908751 6,841 44,483 SH   SOLE   700 0 43,783
VANGUARD TOTAL ETF 922908769 2,082 12,223 SH   SOLE   105 0 12,118