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 545 3,172 SH   SOLE   0 0 3,172
ANTHEM INC Common Stock 036752103 507 1,031 SH   SOLE   0 0 1,031
ETF MANAGERS ETF 26924G409 648 12,427 SH   SOLE   0 0 12,427
FIRST TRUST ETF 33733E500 520 8,055 SH   SOLE   0 0 8,055
FIRST TRUST ETF 33736G106 584 29,592 SH   SOLE   0 0 29,592
FIRST TRUST ETF 33738D309 4,208 89,444 SH   SOLE   686 0 89,444
FIRST TRUST ETF 33739Q200 12,642 258,271 SH   SOLE   856 0 258,271
FIRST TRUST ETF 33740F805 2,040 41,137 SH   SOLE   0 0 41,137
FIRST TRUST ETF 33740U109 1,185 49,084 SH   SOLE   0 0 49,084
GLOBAL X ETF 37954Y624 652 23,658 SH   SOLE   0 0 23,658
HERSHEY COMPANY Common Stock 427866108 276 1,274 SH   SOLE   0 0 1,274
INVESCO QQQ ETF 46090E103 288 794 SH   SOLE   0 0 794
INVESCO S&P ETF 46137V274 587 4,853 SH   SOLE   0 0 4,853
INVESCO S&P ETF 46137V373 352 2,080 SH   SOLE   0 0 2,080
ISHARES MSCI ETF 464287234 972 21,520 SH   SOLE   885 0 21,520
ISHARES MSCI ETF 464287465 569 7,737 SH   SOLE   0 0 7,737
ISHARES CORE ETF 464287804 2,373 21,993 SH   SOLE   0 0 21,993
ISHARES NATIONAL ETF 464288414 619 5,643 SH   SOLE   0 0 5,643
ISHARES CORE ETF 46429B663 4,831 45,194 SH   SOLE   363 0 45,194
ISHARES EXPONENTIAL ETF 46434V381 2,609 44,190 SH   SOLE   166 0 44,190
ISHARES IBONDS ETF 46434VAX8 433 17,139 SH   SOLE   1,414 0 17,139
ISHARES IBONDS ETF 46434VBA7 622 24,828 SH   SOLE   1,419 0 24,828
ISHARES IBONDS ETF 46434VBG4 407 16,214 SH   SOLE   1,416 0 16,214
ISHARES RUSSELL ETF 46435G268 12,009 192,513 SH   SOLE   1,076 0 192,513
ISHARES CYBERSECURITY ETF 46435U135 1,184 27,739 SH   SOLE   227 0 27,739
PAYPAL HOLDINGS Common Stock 70450Y103 446 3,857 SH   SOLE   0 0 3,857
PIMCO INVESTMENT ETF 72201R817 10,101 96,993 SH   SOLE   347 0 96,993
PLUG POWER Common Stock 72919P202 1,426 49,844 SH   SOLE   0 0 49,844
SPDR S&P ETF 78462F103 938 2,077 SH   SOLE   0 0 2,077
SPDR PORTFOLIO ETF 78464A474 207 6,856 SH   SOLE   0 0 6,856
SPDR S&P ETF 78464A698 358 5,195 SH   SOLE   0 0 5,195
SIRIUS XM Common Stock 82968B103 87 13,095 SH   SOLE   0 0 13,095
SOUTHWEST AIRLINES Common Stock 844741108 523 11,425 SH   SOLE   0 0 11,425
SQUARE INC Common Stock 852234103 212 1,563 SH   SOLE   0 0 1,563
SYSCO CORP Common Stock 871829107 211 2,587 SH   SOLE   0 0 2,587
VANGUARD MEGA ETF 921910873 901 5,667 SH   SOLE   0 0 5,667
VANGUARD SHORT ETF 921937827 311 3,998 SH   SOLE   0 0 3,998
VANGUARD FTSE ETF 921943858 233 4,851 SH   SOLE   0 0 4,851
VANGUARD CONSUMER ETF 92204A108 324 1,062 SH   SOLE   48 0 1,062
VANGUARD UTILITIES ETF 92204A876 249 1,540 SH   SOLE   0 0 1,540
VANGUARD LARGE ETF 922908637 224 1,075 SH   SOLE   0 0 1,075
VANGUARD TOTAL ETF 922908769 3,411 14,982 SH   SOLE   105 0 14,982
VERISK ANALYTICS Common Stock 92345Y106 486 2,266 SH   SOLE   0 0 2,266
AUTOMATIC DATA Common Stock 053015103 366 1,607 SH   DFND 1 0 0 1,607
JOHNSON & JOHNSON Common Stock 478160104 773 4,362 SH   DFND 1 0 0 4,362
AT&T INC Common Stock 00206R102 260 11,022 SH   DFND 1,2 0 0 11,022
WALT DISNEY Common Stock 254687106 412 3,001 SH   DFND 1,2 0 0 3,001
HOME DEPOT Common Stock 437076102 277 925 SH   DFND 1,2 0 0 925
JPMORGAN CHASE Common Stock 46625H100 313 2,299 SH   DFND 1,2 0 0 2,299
MCDONALDS CORP Common Stock 580135101 288 1,166 SH   DFND 1,2 0 0 1,166
FACEBOOK INC Common Stock 30303M102 438 1,970 SH   DFND 1,2,3,4 0 0 1,970
ALPHABET INC Common Stock 02079K305 834 300 SH   DFND 1,2,4 0 0 300
APPLE INC Common Stock 037833100 15,449 88,478 SH   DFND 1,2,4 0 0 88,478
BANK AMERICA Common Stock 060505104 240 5,832 SH   DFND 1,2,4 0 0 5,832
CISCO SYSTEMS Common Stock 17275R102 334 5,997 SH   DFND 1,2,4 0 0 5,997
INTEL CORP Common Stock 458140100 248 5,011 SH   DFND 1,2,4 0 0 5,011
MICROSOFT CORP Common Stock 594918104 3,681 11,941 SH   DFND 1,2,4 0 0 11,941
PFIZER INC Common Stock 717081103 381 7,353 SH   DFND 1,2,4 0 0 7,353
PROCTER & GAMBLE Common Stock 742718109 600 3,925 SH   DFND 1,2,4 0 0 3,925
VERIZON COMMUNICATIONS Common Stock 92343V104 649 12,733 SH   DFND 1,2,4 0 0 12,733
AFLAC INC Common Stock 001055102 216 3,358 SH   DFND 1,4 0 0 3,358
ISHARES BARCLAYS SHORT TREASURY BOND ETF 464288679 473 4,294 SH   DFND 1,4 0 0 4,294
SPDR Barclays 1-3 Month T Bill ETF 78468R663 827 9,047 SH   DFND 1,4 0 0 9,047
AMAZON COM Common Stock 023135106 2,282 700 SH   DFND 2 0 0 700
COCA COLA COMPANY Common Stock 191216100 322 5,188 SH   DFND 2 0 0 5,188
DUKE ENERGY Common Stock 26441C204 212 1,901 SH   DFND 2 0 0 1,901
INTL BUSINESS Common Stock 459200101 303 2,330 SH   DFND 2 0 0 2,330
PEPSICO INC Common Stock 713448108 214 1,277 SH   DFND 2 0 0 1,277
VISA INC Common Stock 92826C839 214 966 SH   DFND 2 0 0 966
BERKSHIRE HATHAWAY Common Stock 084670702 1,182 3,349 SH   DFND 2,4 0 0 3,349
ISHARES IBOXX ETF 464288513 608 7,393 SH   DFND 2,4 0 0 7,393
VANGUARD MID ETF 922908512 333 2,227 SH   DFND 2,4 0 0 2,227
ADVANCED MICRO Common Stock 007903107 227 2,072 SH   DFND 3 0 0 2,072
ALPHABET INC Common Stock 02079K107 966 346 SH   DFND 3 0 0 346
TESLA INC Common Stock 88160R101 801 743 SH   DFND 3 0 0 743
NVIDIA CORP Common Stock 67066G104 1,470 5,388 SH   DFND 3,4 0 0 5,388
AMGEN INC Common Stock 031162100 203 838 SH   DFND 4 0 0 838
CVS HEALTH Common Stock 126650100 287 2,837 SH   DFND 4 0 0 2,837
INTUITIVE SURGICAL Common Stock 46120E602 278 920 SH   DFND 4 0 0 920
ISHARES SELECT ETF 464287168 260 2,026 SH   DFND 4 0 0 2,026
ISHARES TIPS ETF 464287176 296 2,375 SH   DFND 4 0 0 2,375
ISHARES CORE ETF 464287200 726 1,601 SH   DFND 4 0 0 1,601
ISHARES CORE ETF 464287226 555 5,178 SH   DFND 4 0 0 5,178
ISHARES IBOXX ETF 464287242 6,564 54,276 SH   DFND 4 72 0 54,276
ISHARES 7-10YR ETF 464287440 896 8,341 SH   DFND 4 0 0 8,341
ISHARES 1-3YR ETF 464287457 670 8,041 SH   DFND 4 0 0 8,041
ISHARES SEMICONDUCTOR ETF ETF 464287523 477 1,007 SH   DFND 4 0 0 1,007
ISHARES U S ETF 464287770 325 1,800 SH   DFND 4 0 0 1,800
ISHARES JPMORGAN ETF 464288281 577 5,904 SH   DFND 4 0 0 5,904
ISHARES FTSE NAREIT RESIDENTIAL ETF 464288562 334 3,482 SH   DFND 4 0 0 3,482
ISHARES BARCLAYS GOVERNMENT/CR BOND ETF 464288596 438 3,862 SH   DFND 4 0 0 3,862
ISHARES BARCLAYS 10-20 YEAR TREAS BD ETF 464288653 430 3,193 SH   DFND 4 0 0 3,193
ISHARES U S ETF 464288752 316 5,330 SH   DFND 4 0 0 5,330
iShares Rate Hedged Corp Bond ETF 46431W705 297 3,180 SH   DFND 4 0 0 3,180
ISHARES MSCI ETF 46432F396 289 1,720 SH   DFND 4 0 0 1,720
ISHARES CORE ETF 46432F842 2,361 33,966 SH   DFND 4 961 0 33,966
ISHARES CORE ETF 46434G103 1,907 34,323 SH   DFND 4 169 0 34,323
ISHARES CORE ETF 46434V621 12,306 230,406 SH   DFND 4 534 0 230,406
iShares Core MSCI Europe ETF ETF 46434V738 215 4,030 SH   DFND 4 0 0 4,030
Nuveen Enhanced Yield US Aggre ETF 67092P102 441 19,201 SH   DFND 4 0 0 19,201
REGENERON PHARMACEUTICAL Common Stock 75886F107 219 313 SH   DFND 4 0 0 313
SPDR S&P BIOTECH ETF ETF 78464A870 346 3,845 SH   DFND 4 0 0 3,845
SECTOR HEALTHCARE ETF 81369Y209 6,396 46,688 SH   DFND 4 0 0 46,688
SECTOR CONSUMER ETF 81369Y308 1,557 20,517 SH   DFND 4 0 0 20,517
CONSUMER DISCRETIONARY ETF 81369Y407 11,246 60,789 SH   DFND 4 618 0 60,789
SECTOR FINANCIAL ETF 81369Y605 5,205 135,821 SH   DFND 4 2,000 0 135,821
SECTOR TECHNOLOGY ETF 81369Y803 10,961 68,970 SH   DFND 4 309 0 68,970
SELECT SECTOR ETF 81369Y852 1,743 25,347 SH   DFND 4 209 0 25,347
SELECT UTILITIES ETF 81369Y886 634 8,515 SH   DFND 4 0 0 8,515
VANGUARD MEGA CAP GROWTH ETF ETF 921910816 657 2,793 SH   DFND 4 0 0 2,793
VANGUARD MEGA CAP VALUE ETF ETF 921910840 553 5,150 SH   DFND 4 0 0 5,150
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 245 3,076 SH   DFND 4 0 0 3,076
Vanguard Total Int'l Bond ETF ETF 92203J407 315 6,009 SH   DFND 4 0 0 6,009
VANGUARD FTSE ETF 922042775 751 13,042 SH   DFND 4 0 0 13,042
VANGUARD FTSE PACIFIC ETF ETF 922042866 281 3,799 SH   DFND 4 0 0 3,799
VANGUARD S&P ETF 922908363 1,385 3,336 SH   DFND 4 0 0 3,336
VANGUARD MID ETF 922908538 302 1,354 SH   DFND 4 0 0 1,354
VANGUARD SMALL ETF 922908595 254 1,025 SH   DFND 4 0 0 1,025
VANGUARD SMALL ETF 922908611 235 1,338 SH   DFND 4 0 0 1,338
VANGUARD MID ETF 922908629 12,971 54,537 SH   DFND 4 247 0 54,537
VANGUARD GROWTH ETF 922908736 39,302 136,656 SH   DFND 4 921 0 136,656
VANGUARD VALUE ETF 922908744 40,495 274,025 SH   DFND 4 2,262 0 274,025
VANGUARD SMALL ETF 922908751 7,974 37,522 SH   DFND 4 286 0 37,522