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   3,454 26,494 SH   DFND 1,2 0 0 26,494
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   410 2,356 SH   DFND 1,2 0 0 2,356
STARBUCKS CORP COM Stock 855244109   1,019 10,291 SH   DFND 1,2 0 0 10,291
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   258 10,180 SH   DFND 1,2 0 0 10,180
JOHNSON & JOHNSON COM Stock 478160104   292 1,766 SH   DFND 1,2 0 0 1,766
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282   71,298 1,600,054 SH   DFND 1,2 0 0 1,600,054
GOLDMAN SACHS GROUP INC COM Stock 38141G104   865 2,683 SH   DFND 1,2 0 0 2,683
REATA PHARMACEUTICALS INC CL A Stock 75615P103   3,390 33,250 SH   DFND 1,2 0 0 33,250
ISHARES INTERNATIONAL EQUITY FACTOR ETF ETF 46434V274   59,542 2,220,896 SH   DFND 1,2 0 0 2,220,896
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812   104,494 849,825 SH   DFND 1,2 0 0 849,825
LAUDER ESTEE COS INC CL A Stock 518439104   598 3,047 SH   DFND 1,2 0 0 3,047
ISHARES MSCI GLOBAL SUSTAINABLE DEVELOPMENT GOALS ETF ETF 46435G532   710 8,980 SH   DFND 1,2 0 0 8,980
SPDR S&P 500 ETF TRUST ETF 78462F103   15,938 35,955 SH   DFND 1,2 0 0 35,955
MASTERCARD INCORPORATED CL A Stock 57636Q104   2,562 6,513 SH   DFND 1,2 0 0 6,513
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN ETF ETF 464288182   3,089 46,493 SH   DFND 1,2 0 0 46,493
ISHARES COHEN & STEERS REIT ETF ETF 464287564   523 9,406 SH   DFND 1,2 0 0 9,406
PEPSICO INC COM Stock 713448108   235 1,270 SH   DFND 1,2 0 0 1,270
NUVEEN ESG INTERNATIONAL DEVELOPED MARKETS EQUITY ETF ETF 67092P805   390 13,479 SH   DFND 1,2 0 0 13,479
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   487 2,205 SH   DFND 1,2 0 0 2,205
NUVEEN ESG EMERGING MARKETS EQUITY ETF ETF 67092P888   1,007 36,867 SH   DFND 1,2 0 0 36,867
SPDR GOLD SHARES ETF 78463V107   1,092 6,127 SH   DFND 1,2 0 0 6,127
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   5,706 20,735 SH   DFND 1,2 0 0 20,735
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,830 35,400 SH   DFND 1,2 0 0 35,400
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   7,549 213,857 SH   DFND 1,2 0 0 213,857
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101   1,105 2,259 SH   DFND 1,2 0 0 2,259
ALPHABET INC CAP STK CL A Stock 02079K305   932 7,786 SH   DFND 1,2 0 0 7,786
INTUIT COM Stock 461202103   444 969 SH   DFND 1,2 0 0 969
MICROSOFT CORP COM Stock 594918104   1,777 5,218 SH   DFND 1,2 0 0 5,218
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF ETF 33740F888   5,231 216,405 SH   DFND 1,2 0 0 216,405
BOEING CO COM Stock 097023105   227 1,075 SH   DFND 1,2 0 0 1,075
VANGUARD SMALL-CAP ETF ETF 922908751   350 1,761 SH   DFND 1,2 0 0 1,761
VANGUARD MID-CAP ETF ETF 922908629   256 1,164 SH   DFND 1,2 0 0 1,164
NEXTERA ENERGY INC COM Stock 65339F101   622 8,384 SH   DFND 1,2 0 0 8,384
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   933 16,164 SH   DFND 1,2 0 0 16,164
APARTMENT INVT & MGMT CO CL A REIT 03748R747   760 89,185 SH   DFND 1,2 0 0 89,185
VANGUARD FTSE EUROPE ETF ETF 922042874   1,648 26,705 SH   DFND 1,2 0 0 26,705
VANGUARD S&P 500 ETF ETF 922908363   1,107 2,707 SH   DFND 1,2 0 0 2,707
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   1,296 23,114 SH   DFND 1,2 0 0 23,114
SYSCO CORP COM Stock 871829107   587 7,908 SH   DFND 1,2 0 0 7,908
INVESCO S&P SMALLCAP MOMENTUM ETF ETF 46137V498   1,429 29,468 SH   DFND 1,2 0 0 29,468
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481   5,946 61,531 SH   DFND 1,2 0 0 61,531
VANGUARD FTSE PACIFIC ETF ETF 922042866   2,371 34,009 SH   DFND 1,2 0 0 34,009
KRONOS WORLDWIDE INC COM Stock 50105F105   242 27,695 SH   DFND 1,2 0 0 27,695
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF ETF 464286533   320 5,814 SH   DFND 1,2 0 0 5,814
NUVEEN ESG LARGE-CAP ETF ETF 67092P862   1,264 34,838 SH   DFND 1,2 0 0 34,838
VISA INC COM CL A Stock 92826C839   2,855 12,021 SH   DFND 1,2 0 0 12,021
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689   1,512 22,405 SH   DFND 1,2 0 0 22,405
Impact Shares Affordable Housing MBS ETF ETF 45259R103   575 33,612 SH   DFND 1,2 0 0 33,612
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   2,109 28,368 SH   DFND 1,2 0 0 28,368
VANGUARD GROWTH ETF ETF 922908736   235 830 SH   DFND 1,2 0 0 830
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   19,052 194,723 SH   DFND 1,2 0 0 194,723
VANGUARD RUSSELL 3000 ETF ETF 92206C599   3,298 16,701 SH   DFND 1,2 0 0 16,701
D R HORTON INC COM Stock 23331A109   596 4,901 SH   DFND 1,2 0 0 4,901
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   617 2,000 SH   DFND 1,2 0 0 2,000
INVESCO S&P SMALLCAP VALUE WITH MOMENTUM ETF ETF 46137V480   1,393 30,000 SH   DFND 1,2 0 0 30,000
USA COMPRESSION PARTNERS LP COMUNIT LTDPAR Stock 90290N109   609 30,837 SH   DFND 1,2 0 0 30,837
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   10,590 194,640 SH   DFND 1,2 0 0 194,640
ISHARES RUSSELL MIDCAP ETF ETF 464287499   5,764 78,928 SH   DFND 1,2 0 0 78,928
ISHARES MSCI EMERGING MARKETS ASIA ETF ETF 464286426   2,147 32,678 SH   DFND 1,2 0 0 32,678
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   222 1,648 SH   DFND 1,2 0 0 1,648
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   1,288 17,160 SH   DFND 1,2 0 0 17,160
NETAPP INC COM Stock 64110D104   327 4,282 SH   DFND 1,2 0 0 4,282
ISHARES S&P 500 VALUE ETF ETF 464287408   2,215 13,742 SH   DFND 1,2 0 0 13,742
ISHARES S&P 500 GROWTH ETF ETF 464287309   2,019 28,651 SH   DFND 1,2 0 0 28,651
ISHARES CORE S&P 500 ETF ETF 464287200   2,075 4,656 SH   DFND 1,2 0 0 4,656
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   1,700 15,928 SH   DFND 1,2 0 0 15,928
CATERPILLAR INC COM Stock 149123101   541 2,200 SH   DFND 1,2 0 0 2,200
ALPHABET INC CAP STK CL C Stock 02079K107   411 3,400 SH   DFND 1,2 0 0 3,400
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   1,597 16,306 SH   DFND 1,2 0 0 16,306
ISHARES BROAD USD INVESTMENT GRADE CORPORATE BOND ETF ETF 464288620   2,231 44,540 SH   DFND 1,2 0 0 44,540
ISHARES RUSSELL 3000 ETF ETF 464287689   2,580 10,140 SH   DFND 1,2 0 0 10,140
UNITEDHEALTH GROUP INC COM Stock 91324P102   1,414 2,942 SH   DFND 1,2 0 0 2,942
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   12,657 355,537 SH   DFND 1,2 0 0 355,537
NOVO-NORDISK A S ADR ADR 670100205   572 3,534 SH   DFND 1,2 0 0 3,534
ISHARES CORE S&P MID-CAP ETF ETF 464287507   203 776 SH   DFND 1,2 0 0 776
ISHARES MSCI EAFE ETF ETF 464287465   7,909 109,088 SH   DFND 1,2 0 0 109,088
APPLE INC COM Stock 037833100   2,552 13,158 SH   DFND 1,2 0 0 13,158
ABBOTT LABS COM Stock 002824100   235 2,159 SH   DFND 1,2 0 0 2,159
ISHARES RUSSELL 1000 ETF ETF 464287622   412 1,690 SH   DFND 1,2 0 0 1,690
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,516 28,612 SH   DFND 1,2 0 0 28,612