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
AIRBNB INC Common Stock 009066101 538 2,864 SH   SOLE   2 0 2,862
ALPHABET INC Common Stock 02079K107 654 316 SH   SOLE   0 0 316
ALPHABET INC Common Stock 02079K305 551 267 SH   DFND 1,2,3 0 0 267
AMAZON COM Common Stock 023135106 2,259 730 SH   DFND 1,2,3 0 0 730
AMGEN INC Common Stock 031162100 228 918 SH   DFND 3 0 0 918
APPLE INC Common Stock 037833100 9,890 80,964 SH   DFND 1,2,3 16 0 80,948
AT&T INC Common Stock 00206R102 439 14,497 SH   DFND 1,2,3 0 0 14,497
AUTOMATIC DATA Common Stock 053015103 303 1,607 SH   DFND 1 0 0 1,607
BERKSHIRE HATHAWAY Common Stock 084670702 971 3,799 SH   DFND 2 0 0 3,799
CISCO SYSTEMS Common Stock 17275R102 219 4,241 SH   DFND 1,2 0 0 4,241
COCA COLA COMPANY Common Stock 191216100 280 5,305 SH   DFND 2 0 0 5,305
CONSUMER DISCRETIONARY ETF-Equity 81369Y407 9,423 56,063 SH   DFND 3 488 0 55,575
DUKE ENERGY Common Stock 26441C204 213 2,203 SH   DFND 2 0 0 2,203
FACEBOOK INC Common Stock 30303M102 546 1,853 SH   DFND 1,2,3 0 0 1,853
FIRST TRUST ETF 33733E500 298 4,347 SH   SOLE   0 0 4,347
FIRST TRUST ETF 33736G106 783 34,693 SH   SOLE   0 0 34,693
FIRST TRUST ETF 33738D309 204 4,263 SH   SOLE   65 0 4,198
FIRST TRUST ETF 33739Q200 10,192 199,612 SH   SOLE   1,199 0 198,413
FIRST TRUST ETF 33740F805 2,074 39,253 SH   SOLE   0 0 39,253
GENERAL ELECTRIC Common Stock 369604103 638 48,626 SH   SOLE   0 0 48,626
HERSHEY COMPANY Common Stock 427866108 201 1,269 SH   SOLE   0 0 1,269
HOME DEPOT Common Stock 437076102 442 1,449 SH   DFND 1,2,3 0 0 1,449
Industrial Select Sector SPDR ETF - EQUITY 81369Y704 367 3,728 SH   DFND 3 0 0 3,728
INTEL CORP Common Stock 458140100 365 5,699 SH   DFND 1,2,3 0 0 5,699
INTL BUSINESS Common Stock 459200101 348 2,609 SH   SOLE   0 0 2,609
INTUITIVE SURGICAL Common Stock 46120E602 222 300 SH   SOLE   0 0 300
INVESCO S&P ETF 46137V274 657 6,355 SH   SOLE   0 0 6,355
INVESCO S&P ETF 46137V373 324 2,049 SH   SOLE   0 0 2,049
ISHARES 1-3YR ETF-Fixed Income 464287457 471 5,461 SH   DFND 3 0 0 5,461
ISHARES 20 ETF-Fixed Income 464287432 253 1,868 SH   DFND 3 0 0 1,868
ISHARES 7-10YR ETF-Fixed Income 464287440 1,024 9,070 SH   DFND 3 0 0 9,070
iShares Barclay Agency Bond Fund ETF - FIXED INCOME 464288166 514 4,363 SH   DFND 3 0 0 4,363
iShares Barclays Government/Cr Bond ETF - FIXED INCOME 464288596 884 7,375 SH   DFND 3 0 0 7,375
iShares Barclays Inter Med Govt Cr Bd ETF - FIXED INCOME 464288612 397 3,458 SH   DFND 3 0 0 3,458
iShares Barclays MBS Fixed-Rate Bond ETF - FIXED INCOME 464288588 378 3,485 SH   DFND 3 0 0 3,485
ISHARES CORE ETF-Equity 464287200 642 1,615 SH   DFND 2,3 0 0 1,615
ISHARES CORE ETF-Fixed Income 464287226 1,266 11,125 SH   DFND 3 0 0 11,125
ISHARES CORE ETF-Equity 464287804 2,542 23,422 SH   DFND 1 0 0 23,422
ISHARES CORE ETF 46429B663 4,765 50,214 SH   SOLE   754 0 49,461
ISHARES CORE ETF-Equity 46432F842 2,938 40,779 SH   DFND 3 1,378 0 39,401
ISHARES CORE ETF-Equity 46434G103 1,200 18,646 SH   DFND 3 0 0 18,646
ISHARES CORE ETF-Equity 46434V621 7,436 154,060 SH   DFND 3 96 0 153,964
iShares Dow Jones US Oil Equipment Index ETF - EQUITY 464288844 474 35,363 SH   DFND 3 0 0 35,363
ISHARES EXPONENTIAL ETF 46434V381 1,429 24,136 SH   SOLE   0 0 24,136
ISHARES GLOBAL ETF-Equity 464287291 506 1,645 SH   DFND 3 0 0 1,645
ISHARES IBONDS ETF 46434VAX8 447 17,093 SH   SOLE   1,414 0 15,679
ISHARES IBONDS ETF 46434VBA7 623 24,485 SH   SOLE   1,419 0 23,066
ISHARES IBONDS ETF 46434VBG4 427 16,172 SH   SOLE   1,416 0 14,756
ISHARES IBONDS ETF 46434VBK5 609 24,512 SH   SOLE   1,430 0 23,082
ISHARES IBOXX ETF-Fixed Income 464287242 8,850 68,053 SH   DFND 3 601 0 67,452
ISHARES IBOXX ETF-Fixed Income 464288513 1,344 15,415 SH   DFND 1,2,3 0 0 15,415
ISHARES JPMORGAN ETF-Fixed Income 464288281 802 7,363 SH   DFND 3 212 0 7,151
ISHARES MSCI ETF 464287234 1,321 24,773 SH   SOLE   885 0 23,888
ISHARES MSCI ETF 464287465 806 10,623 SH   SOLE   180 0 10,444
ISHARES MSCI ETF-Equity 46432F396 306 1,900 SH   DFND 3 0 0 1,900
iShares MSCI All Country Asia Ex Jpn ETF - EQUITY 464288182 260 2,806 SH   DFND 2,3 0 0 2,806
iShares MSCI EAFE Small Cap Index ETF - EQUITY 464288273 403 5,615 SH   DFND 3 0 0 5,615
iShares MSCI South Korea Capped ETF - EQUITY 464286772 874 9,740 SH   DFND 3 0 0 9,740
ISHARES NATIONAL ETF-Fixed Income 464288414 987 8,508 SH   DFND 3 0 0 8,508
iShares Rate Hedged Corp Bond ETF - FIXED INCOME 46431W705 213 2,207 SH   DFND 3 0 0 2,207
ISHARES RUSSELL ETF-Equity 464287481 770 7,542 SH   DFND 3 0 0 7,542
ISHARES RUSSELL ETF 46435G268 4,035 64,159 SH   SOLE   8 0 64,151
iShares S&P Asia 50 Index ETF - EQUITY 464288430 852 9,243 SH   DFND 3 0 0 9,243
ISHARES U S ETF 464287770 222 1,297 SH   SOLE   0 0 1,297
JOHNSON & JOHNSON Common Stock 478160104 691 4,202 SH   DFND 1,2 0 0 4,202
JPMORGAN CHASE Common Stock 46625H100 442 2,900 SH   DFND 1,2 0 0 2,900
MCDONALDS CORP Common Stock 580135101 333 1,487 SH   DFND 1,2 0 0 1,487
MICROSOFT CORP Common Stock 594918104 2,779 11,785 SH   DFND 1,2,3 0 0 11,785
Nuveen Enhanced Yield US Aggre ETF - FIXED INCOME 67092P102 373 15,081 SH   DFND 3 0 0 15,081
NVIDIA CORP Common Stock 67066G104 544 1,020 SH   SOLE   0 0 1,020
PAYPAL HOLDINGS Common Stock 70450Y103 792 3,263 SH   DFND 1 0 0 3,263
PEPSICO INC Common Stock 713448108 285 2,015 SH   DFND 2 0 0 2,015
PFIZER INC Common Stock 717081103 271 7,478 SH   DFND 2,3 0 0 7,478
PHILIP MORRIS Common Stock 718172109 251 2,823 SH   DFND 1,2,3 0 0 2,823
PIMCO INVESTMENT ETF 72201R817 7,737 69,442 SH   SOLE   0 0 69,442
PLUG POWER Common Stock 72919P202 1,460 40,727 SH   SOLE   38 0 40,689
PROCTER & GAMBLE Common Stock 742718109 541 3,997 SH   DFND 1,2,3 0 0 3,997
PUBLIC SERVICE Common Stock 744573106 240 3,991 SH   DFND 2,3 0 0 3,991
SECTOR CONSUMER ETF 81369Y308 1,045 15,303 SH   SOLE   0 0 15,303
SECTOR ENERGY ETF-Equity 81369Y506 222 4,518 SH   DFND 3 0 0 4,518
SECTOR FINANCIAL ETF-Equity 81369Y605 5,415 159,018 SH   DFND 3 2,564 0 156,454
SECTOR HEALTHCARE ETF-Equity 81369Y209 5,383 46,115 SH   DFND 3 0 0 46,115
SECTOR TECHNOLOGY ETF-Equity 81369Y803 6,921 52,113 SH   DFND 3 217 0 51,896
SELECT SECTOR ETF-Equity 81369Y852 389 5,309 SH   DFND 3 0 0 5,309
SELECT UTILITIES ETF-Equity 81369Y886 534 8,342 SH   DFND 3 0 0 8,342
SIRIUS XM Common Stock 82968B103 66 10,902 SH   SOLE   0 0 10,902
SOUTHWEST AIRLINES Common Stock 844741108 692 11,325 SH   SOLE   0 0 11,325
SPDR BLM Barclays High Yld Bond ETF - FIXED INCOME 78468R622 368 3,382 SH   DFND 1,3 0 0 3,382
SPDR PORTFOLIO ETF-Equity 78463X509 873 19,945 SH   DFND 3 0 0 19,945
SPDR PORTFOLIO ETF 78464A474 212 6,779 SH   SOLE   0 0 6,779
SPDR S&P ETF 78462F103 482 1,217 SH   SOLE   77 0 1,140
SPDR S&P ETF 78464A698 338 5,089 SH   SOLE   0 0 5,089
SPDR S&P Developed World Ex-US ETF - EQUITY 78463X889 376 10,630 SH   DFND 3 0 0 10,630
SPDR S&P Software & Services ETF ETF - EQUITY 78464A599 490 3,109 SH   DFND 3 0 0 3,109
TESLA INC Common Stock 88160R101 364 545 SH   DFND 3 0 0 545
UnitedHealth Group, Inc. COMMON STOCKS 91324P102 230 618 SH   DFND 1,2,3 0 0 618
Vanguard Extended Market Index ETF ETF - EQUITY 922908652 351 1,982 SH   DFND 3 0 0 1,982
VANGUARD FTSE ETF-Equity 922042775 818 13,481 SH   DFND 3 0 0 13,481
VANGUARD GROWTH ETF-Equity 922908736 30,586 118,994 SH   DFND 3 889 0 118,105
VANGUARD LARGE ETF 922908637 217 1,173 SH   SOLE   0 0 1,173
VANGUARD MEGA ETF 921910873 822 5,865 SH   SOLE   62 0 5,803
Vanguard Mega Cap 300 Growth Index ETF - EQUITY 921910816 946 4,569 SH   DFND 3 0 0 4,569
Vanguard Mega Cap 300 Value Index ETF ETF - EQUITY 921910840 781 8,205 SH   DFND 3 0 0 8,205
VANGUARD MID ETF-Equity 922908538 383 1,784 SH   DFND 3 0 0 1,784
VANGUARD MID ETF-Equity 922908629 13,461 60,815 SH   DFND 3 334 0 60,481
Vanguard Mid-Cap Value ETF ETF - EQUITY 922908512 261 1,937 SH   DFND 3 0 0 1,937
VANGUARD S&P ETF-Equity 922908363 1,886 5,177 SH   DFND 3 0 0 5,177
VANGUARD SHORT ETF 921937827 293 3,566 SH   SOLE   0 0 3,566
VANGUARD SMALL ETF-Equity 922908595 498 1,814 SH   DFND 3 0 0 1,814
VANGUARD SMALL ETF-Equity 922908611 527 3,181 SH   DFND 2,3 0 0 3,181
VANGUARD SMALL ETF 922908751 9,096 42,488 SH   SOLE   502 0 41,986
VANGUARD TOTAL ETF-Fixed Income 921937835 346 4,086 SH   DFND 3 0 0 4,086
VANGUARD TOTAL ETF-Equity 922908769 2,990 14,467 SH   DFND 3 105 0 14,362
Vanguard Total Int'l Bond ETF ETF - FIXED INCOME 92203J407 414 7,256 SH   DFND 3 0 0 7,256
VANGUARD VALUE ETF-Equity 922908744 27,631 210,188 SH   DFND 3 1,854 0 208,334
VERISK ANALYTICS Common Stock 92345Y106 586 3,316 SH   SOLE   0 0 3,316
VERIZON COMMUNICATIONS Common Stock 92343V104 838 14,414 SH   DFND 1,2,3 0 0 14,414
VISA INC Common Stock 92826C839 289 1,365 SH   DFND 2 0 0 1,365
WALT DISNEY Common Stock 254687106 1,707 9,251 SH   DFND 1,2 0 0 9,251
WisdomTree Emerging Mkts Ex St Owned ETF - EQUITY 97717X578 856 21,029 SH   DFND 3 0 0 21,029