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
AT&T INC Common Stock 00206R102 471 16,374 SH   DFND 1,2,3 2,929 0 13,445
ADOBE INC Common Stock 00724F101 207 414 SH   DFND 2 193 0 221
ALPHABET INC Common Stock 02079K107 559 319 SH   SOLE   0 0 319
ALPHABET INC Common Stock 02079K305 552 315 SH   DFND 1,2,3 74 0 241
AMAZON COM Common Stock 023135106 2,410 740 SH   DFND 1,2,3 33 0 707
APPLE INC Common Stock 037833100 9,812 73,948 SH   DFND 1,2,3 3,157 0 70,791
AUTOMATIC DATA Common Stock 053015103 285 1,619 SH   DFND 1 19 0 1,600
BERKSHIRE HATHAWAY Common Stock 084670702 682 2,942 SH   DFND 2 162 0 2,780
COCA COLA COMPANY Common Stock 191216100 296 5,389 SH   DFND 1,2 1,320 0 4,069
WALT DISNEY Common Stock 254687106 1,553 8,572 SH   DFND 1,2 558 0 8,014
FACEBOOK INC Common Stock 30303M102 437 1,600 SH   DFND 1,2,3 362 0 1,238
FIRST TRUST ETF 33738D309 201 4,232 SH   SOLE   65 0 4,167
FIRST TRUST ETF 33739Q200 10,547 204,919 SH   SOLE   1,194 0 203,726
FIRST TRUST ETF 33740F805 1,658 30,294 SH   SOLE   0 0 30,294
GENERAL ELECTRIC Common Stock 369604103 546 50,580 SH   SOLE   0 0 50,580
HERSHEY COMPANY Common Stock 427866108 220 1,442 SH   DFND 3 175 0 1,267
HOME DEPOT Common Stock 437076102 362 1,361 SH   DFND 1,2,3 588 0 773
INTL BUSINESS Common Stock 459200101 326 2,589 SH   SOLE   0 0 2,589
INVESCO S&P ETF 46137V274 646 6,460 SH   SOLE   0 0 6,460
INVESCO S&P ETF 46137V373 309 2,041 SH   SOLE   0 0 2,041
ISHARES CORE ETF 464287200 471 1,254 SH   DFND 2 54 0 1,200
ISHARES MSCI ETF 464287234 1,277 24,713 SH   SOLE   885 0 23,828
ISHARES IBOXX ETF 464287242 9,493 68,725 SH   DFND 3 1,405 0 67,320
ISHARES GLOBAL ETF 464287291 650 2,166 SH   DFND 3 2,111 0 55
ISHARES 20 ETF 464287432 667 4,229 SH   DFND 3 622 0 3,607
ISHARES 7-10YR ETF 464287440 1,662 13,856 SH   DFND 3 7,766 0 6,090
ISHARES 1-3YR ETF 464287457 346 4,006 SH   DFND 3 1,776 0 2,230
ISHARES MSCI ETF 464287465 832 11,400 SH   SOLE   180 0 11,220
ISHARES RUSSELL ETF 464287481 793 7,725 SH   DFND 3 697 0 7,028
iShares GS Semiconductor Index ETF 464287523 600 1,582 SH   DFND 3 1,582 0 0
ISHARES RUSSELL ETF 464287614 457 1,897 SH   DFND 3 1,554 0 343
ISHARES CORE ETF 464287804 1,920 20,897 SH   DFND 1 252 0 20,645
iShares Barclay Agency Bond Fund ETF 464288166 393 3,285 SH   DFND 3 3,285 0 0
ISHARES JPMORGAN ETF 464288281 838 7,228 SH   DFND 3 2,244 0 4,985
ISHARES NATIONAL ETF 464288414 983 8,392 SH   DFND 3 2,544 0 5,848
iShares S&P Asia 50 Index ETF 464288430 214 2,450 SH   DFND 3 2,450 0 0
ISHARES IBOXX ETF 464288513 1,306 14,965 SH   DFND 1,3 10,918 0 4,047
iShares Barclays MBS Fixed-Rate Bond ETF 464288588 355 3,222 SH   DFND 3 3,222 0 0
iShares Board USD Invest Grade Bd ETF 464288620 222 3,590 SH   DFND 3 3,590 0 0
iShares Barclays 10-20 Year Treas Bd ETF 464288653 515 3,232 SH   DFND 3 3,232 0 0
ISHARES U S ETF 464288810 577 1,763 SH   DFND 3 1,733 0 30
ISHARES CORE ETF 46429B663 4,482 51,119 SH   SOLE   751 0 50,369
ISHARES MSCI ETF 46432F396 286 1,773 SH   DFND 3 923 0 850
ISHARES CORE ETF 46432F842 2,535 36,688 SH   DFND 3 9,750 0 26,938
ISHARES CORE ETF 46434G103 694 11,193 SH   DFND 3 6,708 0 4,485
ISHARES EXPONENTIAL ETF 46434V381 1,169 20,422 SH   SOLE   0 0 20,422
ISHARES CORE ETF 46434V621 6,215 138,676 SH   DFND 3 260 0 138,416
ISHARES IBONDS ETF 46434VAX8 449 17,085 SH   SOLE   1,414 0 15,671
ISHARES IBONDS ETF 46434VBA7 635 24,816 SH   SOLE   1,419 0 23,397
ISHARES IBONDS ETF 46434VBG4 430 16,164 SH   SOLE   1,416 0 14,748
ISHARES IBONDS ETF 46434VBK5 619 24,843 SH   SOLE   1,430 0 23,413
ISHARES RUSSELL ETF 46435G268 2,081 36,656 SH   SOLE   0 0 36,656
JPMORGAN CHASE Common Stock 46625H100 379 2,985 SH   DFND 1,2 926 0 2,059
JOHNSON & JOHNSON Common Stock 478160104 322 2,043 SH   DFND 1,2 239 0 1,804
Mastercard, Inc. Common Stock 57636Q104 292 819 SH   DFND 2,3 701 0 118
MCDONALDS CORP Common Stock 580135101 355 1,654 SH   DFND 1,2 330 0 1,324
MICROSOFT CORP Common Stock 594918104 2,277 10,236 SH   DFND 1,2,3 2,171 0 8,065
NVIDIA CORP Common Stock 67066G104 395 757 SH   SOLE   0 0 757
PAYPAL HOLDINGS Common Stock 70450Y103 334 1,428 SH   DFND 1 25 0 1,403
PEPSICO INC Common Stock 713448108 295 1,992 SH   DFND 2 426 0 1,566
PFIZER INC Common Stock 717081103 267 7,257 SH   DFND 1,2,3 3,290 0 3,967
PIMCO 15 Year U.S. TIPS Index ETF 72201R304 359 4,050 SH   DFND 3 4,050 0 0
PIMCO 0-5 ETF 72201R783 222 2,258 SH   DFND 1,3 2,138 0 120
PIMCO INVESTMENT ETF 72201R817 7,859 67,129 SH   SOLE   0 0 67,129
PLUG POWER Common Stock 72919P202 1,754 51,736 SH   SOLE   0 0 51,736
PROCTER & GAMBLE Common Stock 742718109 517 3,718 SH   DFND 1,2,3 1,132 0 2,586
Ultra S&P500 ProShares ETF 74347R107 240 2,627 SH   DFND 3 2,627 0 0
PUBLIC SERVICE Common Stock 744573106 232 3,982 SH   DFND 2,3 2,502 0 1,480
SPDR S&P ETF 78462F103 458 1,225 SH   DFND 2 86 0 1,138
SPDR Barclays Conv Securities ETF 78464A359 229 2,760 SH   DFND 3 2,760 0 0
SPDR PORTFOLIO ETF 78464A474 212 6,764 SH   SOLE   0 0 6,764
SPDR Portfolio Lng Trm Treas ETF 78464A664 348 7,716 SH   DFND 3 7,716 0 0
SPDR S&P ETF 78464A698 207 3,988 SH   SOLE   0 0 3,988
SPDR BLM Barclays High Yld Bond ETF 78468R622 456 4,182 SH   DFND 1,3 4,182 0 0
SECTOR HEALTHCARE ETF 81369Y209 4,594 40,500 SH   DFND 3 1,478 0 39,022
SECTOR CONSUMER ETF 81369Y308 1,056 15,655 SH   SOLE   0 0 15,655
CONSUMER DISCRETIONARY ETF 81369Y407 8,610 53,552 SH   DFND 3 3,163 0 50,389
SECTOR FINANCIAL ETF 81369Y605 4,436 150,462 SH   DFND 3 8,318 0 142,144
Industrial Select Sector SPDR ETF 81369Y704 236 2,666 SH   DFND 3 2,666 0 0
SECTOR TECHNOLOGY ETF 81369Y803 6,715 51,644 SH   DFND 3 7,484 0 44,160
SELECT SECTOR ETF 81369Y852 270 4,002 SH   DFND 3 3,625 0 377
SELECT UTILITIES ETF 81369Y886 518 8,267 SH   DFND 3 32 0 8,235
SIRIUS XM Common Stock 82968B103 69 10,885 SH   SOLE   0 0 10,885
SOUTHWEST AIRLINES Common Stock 844741108 436 9,350 SH   SOLE   0 0 9,350
TESLA INC Common Stock 88160R101 353 500 SH   SOLE   0 0 500
UnitedHealth Group, Inc. Common Stock 91324P102 206 587 SH   DFND 1,2,3 549 0 38
Vanguard Mega Cap 300 Growth Index ETF 921910816 987 4,842 SH   DFND 3 4,842 0 0
Vanguard Mega Cap 300 Value Index ETF ETF 921910840 773 8,905 SH   DFND 3 8,905 0 0
VANGUARD MEGA ETF 921910873 789 5,910 SH   SOLE   62 0 5,848
VANGUARD SHORT ETF 921937827 309 3,729 SH   SOLE   0 0 3,729
VANGUARD TOTAL ETF 921937835 494 5,605 SH   DFND 3 5,151 0 454
Vanguard Total Int'l Bond ETF ETF 92203J407 552 9,426 SH   DFND 3 9,426 0 0
VANGUARD FTSE ETF 922042775 579 9,919 SH   DFND 3 5,172 0 4,747
VANGUARD S&P ETF 922908363 1,500 4,365 SH   DFND 3 2,533 0 1,832
Vanguard Mid-Cap Value ETF ETF 922908512 253 2,123 SH   DFND 3 2,123 0 0
VANGUARD MID ETF 922908538 326 1,537 SH   DFND 3 1,291 0 246
VANGUARD SMALL ETF 922908595 467 1,746 SH   DFND 3 1,331 0 415
VANGUARD SMALL ETF 922908611 461 3,245 SH   DFND 3 3,234 0 11
VANGUARD MID ETF 922908629 12,527 60,582 SH   DFND 3 555 0 60,027
VANGUARD LARGE ETF 922908637 206 1,173 SH   SOLE   0 0 1,173
Vanguard Extended Market Index ETF ETF 922908652 261 1,583 SH   DFND 3 1,583 0 0
VANGUARD GROWTH ETF 922908736 28,516 112,559 SH   DFND 3 2,206 0 110,353
VANGUARD VALUE ETF 922908744 23,468 197,277 SH   DFND 3 5,284 0 191,993
VANGUARD SMALL ETF 922908751 8,304 42,652 SH   SOLE   501 0 42,151
VANGUARD TOTAL ETF 922908769 2,730 14,024 SH   SOLE   105 0 13,919
VERIZON COMMUNICATIONS Common Stock 92343V104 785 13,362 SH   DFND 1,2,3 2,842 0 10,520
VERISK ANALYTICS Common Stock 92345Y106 896 4,316 SH   SOLE   0 0 4,316
VISA INC Common Stock 92826C839 320 1,464 SH   DFND 2 523 0 941