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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106   338 4,020 SH   DFND 1,2 0 0 4,020
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   293 2,356 SH   DFND 1,2 0 0 2,356
STARBUCKS CORP COM Stock 855244109   318 3,201 SH   DFND 1,2 0 0 3,201
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   367 14,616 SH   DFND 1,2 0 0 14,616
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282   12,721 326,097 SH   DFND 1,2 0 0 326,097
GOLDMAN SACHS GROUP INC COM Stock 38141G104   921 2,683 SH   DFND 1,2 0 0 2,683
REATA PHARMACEUTICALS INC CL A Stock 75615P103   1,795 47,250 SH   DFND 1,2 0 0 47,250
AFFILIATED MANAGERS GROUP INC COM Stock 008252108   209 1,319 SH   DFND 1,2 0 0 1,319
ISHARES INTERNATIONAL EQUITY FACTOR ETF ETF 46434V274   27,323 1,110,642 SH   DFND 1,2 0 0 1,110,642
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812   113,669 1,030,453 SH   DFND 1,2 0 0 1,030,453
LAUDER ESTEE COS INC CL A Stock 518439104   756 3,047 SH   DFND 1,2 0 0 3,047
ISHARES MSCI GLOBAL SUSTAINABLE DEVELOPMENT GOALS ETF ETF 46435G532   1,449 18,367 SH   DFND 1,2 0 0 18,367
SPDR S&P 500 ETF TRUST ETF 78462F103   13,299 34,774 SH   DFND 1,2 0 0 34,774
MASTERCARD INCORPORATED CL A Stock 57636Q104   2,274 6,539 SH   DFND 1,2 0 0 6,539
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN ETF ETF 464288182   3,065 47,310 SH   DFND 1,2 0 0 47,310
ISHARES COHEN & STEERS REIT ETF ETF 464287564   516 9,406 SH   DFND 1,2 0 0 9,406
URBAN ONE INC CL A Stock 91705J105   134 29,466 SH   DFND 1,2 0 0 29,466
NUVEEN ESG INTERNATIONAL DEVELOPED MARKETS EQUITY ETF ETF 67092P805   624 24,179 SH   DFND 1,2 0 0 24,179
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   529 2,205 SH   DFND 1,2 0 0 2,205
NUVEEN ESG EMERGING MARKETS EQUITY ETF ETF 67092P888   486 19,090 SH   DFND 1,2 0 0 19,090
SPDR GOLD SHARES ETF 78463V107   1,039 6,127 SH   DFND 1,2 0 0 6,127
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   4,550 21,236 SH   DFND 1,2 0 0 21,236
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,590 35,481 SH   DFND 1,2 0 0 35,481
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308   902 12,098 SH   DFND 1,2 0 0 12,098
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   6,952 201,337 SH   DFND 1,2 0 0 201,337
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   767 2,279 SH   DFND 1,2 0 0 2,279
INTUIT COM Stock 461202103   377 969 SH   DFND 1,2 0 0 969
MICROSOFT CORP COM Stock 594918104   1,281 5,341 SH   DFND 1,2 0 0 5,341
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF ETF 33740F888   13,665 566,789 SH   DFND 1,2 0 0 566,789
BOEING CO COM Stock 097023105   205 1,075 SH   DFND 1,2 0 0 1,075
VANGUARD SMALL-CAP ETF ETF 922908751   323 1,761 SH   DFND 1,2 0 0 1,761
VANGUARD MID-CAP ETF ETF 922908629   237 1,164 SH   DFND 1,2 0 0 1,164
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   935 16,164 SH   DFND 1,2 0 0 16,164
VANGUARD FTSE EUROPE ETF ETF 922042874   1,515 27,321 SH   DFND 1,2 0 0 27,321
VANGUARD S&P 500 ETF ETF 922908363   951 2,707 SH   DFND 1,2 0 0 2,707
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   1,306 25,256 SH   DFND 1,2 0 0 25,256
SYSCO CORP COM Stock 871829107   605 7,908 SH   DFND 1,2 0 0 7,908
INVESCO S&P SMALLCAP MOMENTUM ETF ETF 46137V498   1,389 29,468 SH   DFND 1,2 0 0 29,468
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   16,976 203,065 SH   DFND 1,2 0 0 203,065
VANGUARD FTSE PACIFIC ETF ETF 922042866   13,879 215,678 SH   DFND 1,2 0 0 215,678
KRONOS WORLDWIDE INC COM Stock 50105F105   237 25,245 SH   DFND 1,2 0 0 25,245
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF ETF 464286533   1,515 28,551 SH   DFND 1,2 0 0 28,551
NUVEEN ESG LARGE-CAP ETF ETF 67092P862   1,361 42,238 SH   DFND 1,2 0 0 42,238
VISA INC COM CL A Stock 92826C839   1,625 7,821 SH   DFND 1,2 0 0 7,821
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689   8,769 137,913 SH   DFND 1,2 0 0 137,913
Impact Shares Affordable Housing MBS ETF ETF 45259R103   402 23,562 SH   DFND 1,2 0 0 23,562
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   5,572 77,275 SH   DFND 1,2 0 0 77,275
PHILLIPS 66 COM Stock 718546104   356 3,425 SH   DFND 1,2 0 0 3,425
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   15,557 183,454 SH   DFND 1,2 0 0 183,454
VANGUARD RUSSELL 3000 ETF ETF 92206C599   2,868 16,701 SH   DFND 1,2 0 0 16,701
D R HORTON INC COM Stock 23331A109   437 4,901 SH   DFND 1,2 0 0 4,901
INVESCO S&P SMALLCAP VALUE WITH MOMENTUM ETF ETF 46137V480   1,372 30,000 SH   DFND 1,2 0 0 30,000
USA COMPRESSION PARTNERS LP COMUNIT LTDPAR Stock 90290N109   602 30,837 SH   DFND 1,2 0 0 30,837
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   11,171 222,790 SH   DFND 1,2 0 0 222,790
ISHARES RUSSELL MIDCAP ETF ETF 464287499   5,462 80,984 SH   DFND 1,2 0 0 80,984
ISHARES MSCI EMERGING MARKETS ASIA ETF ETF 464286426   12,889 203,561 SH   DFND 1,2 0 0 203,561
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   1,367 15,630 SH   DFND 1,2 0 0 15,630
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   714 6,265 SH   DFND 1,2 0 0 6,265
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   731 9,927 SH   DFND 1,2 0 0 9,927
NETAPP INC COM Stock 64110D104   257 4,282 SH   DFND 1,2 0 0 4,282
ISHARES S&P 500 VALUE ETF ETF 464287408   1,994 13,742 SH   DFND 1,2 0 0 13,742
ISHARES S&P 500 GROWTH ETF ETF 464287309   1,676 28,651 SH   DFND 1,2 0 0 28,651
ISHARES CORE S&P 500 ETF ETF 464287200   1,789 4,656 SH   DFND 1,2 0 0 4,656
SALESFORCE INC COM Stock 79466L302   349 2,629 SH   DFND 1,2 0 0 2,629
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   1,236 11,718 SH   DFND 1,2 0 0 11,718
CONOCOPHILLIPS COM Stock 20825C104   643 5,415 SH   DFND 1,2 0 0 5,415
CATERPILLAR INC COM Stock 149123101   527 2,200 SH   DFND 1,2 0 0 2,200
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   1,291 13,307 SH   DFND 1,2 0 0 13,307
ISHARES BROAD USD INVESTMENT GRADE CORPORATE BOND ETF ETF 464288620   4,795 97,633 SH   DFND 1,2 0 0 97,633
ISHARES RUSSELL 3000 ETF ETF 464287689   2,405 10,900 SH   DFND 1,2 0 0 10,900
UNITEDHEALTH GROUP INC COM Stock 91324P102   1,570 2,962 SH   DFND 1,2 0 0 2,962
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   13,692 422,734 SH   DFND 1,2 0 0 422,734
ISHARES MSCI EAFE ETF ETF 464287465   7,413 112,935 SH   DFND 1,2 0 0 112,935
APPLE INC COM Stock 037833100   1,008 7,761 SH   DFND 1,2 0 0 7,761
ABBOTT LABS COM Stock 002824100   237 2,159 SH   DFND 1,2 0 0 2,159
ISHARES RUSSELL 1000 ETF ETF 464287622   356 1,690 SH   DFND 1,2 0 0 1,690
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,459 29,402 SH   DFND 1,2 0 0 29,402