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   1,974 15,530 SH   DFND 1,2 0 0 15,530
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803   386 2,356 SH   DFND 1,2 0 0 2,356
STARBUCKS CORP COM Stock 855244109   640 7,010 SH   DFND 1,2 0 0 7,010
SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649   248 10,180 SH   DFND 1,2 0 0 10,180
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282   73,819 1,696,683 SH   DFND 1,2 0 0 1,696,683
GOLDMAN SACHS GROUP INC COM Stock 38141G104   868 2,683 SH   DFND 1,2 0 0 2,683
ISHARES INTERNATIONAL EQUITY FACTOR ETF ETF 46434V274   59,661 2,307,962 SH   DFND 1,2 0 0 2,307,962
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812   99,961 828,315 SH   DFND 1,2 0 0 828,315
LAUDER ESTEE COS INC CL A Stock 518439104   440 3,047 SH   DFND 1,2 0 0 3,047
ISHARES MSCI GLOBAL SUSTAINABLE DEVELOPMENT GOALS ETF ETF 46435G532   669 8,980 SH   DFND 1,2 0 0 8,980
SPDR S&P 500 ETF TRUST ETF 78462F103   14,595 34,142 SH   DFND 1,2 0 0 34,142
MASTERCARD INCORPORATED CL A Stock 57636Q104   2,610 6,593 SH   DFND 1,2 0 0 6,593
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN ETF ETF 464288182   2,896 45,599 SH   DFND 1,2 0 0 45,599
ISHARES COHEN & STEERS REIT ETF ETF 464287564   477 9,406 SH   DFND 1,2 0 0 9,406
NUVEEN ESG INTERNATIONAL DEVELOPED MARKETS EQUITY ETF ETF 67092P805   368 13,479 SH   DFND 1,2 0 0 13,479
AUTOMATIC DATA PROCESSING INC COM Stock 053015103   533 2,205 SH   DFND 1,2 0 0 2,205
NUVEEN ESG EMERGING MARKETS EQUITY ETF ETF 67092P888   967 36,867 SH   DFND 1,2 0 0 36,867
SPDR GOLD SHARES ETF 78463V107   1,050 6,127 SH   DFND 1,2 0 0 6,127
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   5,305 19,906 SH   DFND 1,2 0 0 19,906
SCHWAB U.S. BROAD MARKET ETF ETF 808524102   1,746 35,035 SH   DFND 1,2 0 0 35,035
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853   8,492 244,669 SH   DFND 1,2 0 0 244,669
ADOBE INC COM Stock 00724F101   1,183 2,320 SH   DFND 1,2 0 0 2,320
ALPHABET INC CAP STK CL A Stock 02079K305   541 4,133 SH   DFND 1,2 0 0 4,133
INTUIT COM Stock 461202103   495 969 SH   DFND 1,2 0 0 969
MICROSOFT CORP COM Stock 594918104   1,744 5,523 SH   DFND 1,2 0 0 5,523
FIRST TRUST TCW UNCONSTRAINED PLUS BOND ETF ETF 33740F888   6,524 272,950 SH   DFND 1,2 0 0 272,950
BOEING CO COM Stock 097023105   206 1,075 SH   DFND 1,2 0 0 1,075
VANGUARD SMALL-CAP ETF ETF 922908751   333 1,761 SH   DFND 1,2 0 0 1,761
VANGUARD MID-CAP ETF ETF 922908629   209 1,004 SH   DFND 1,2 0 0 1,004
NEXTERA ENERGY INC COM Stock 65339F101   253 4,410 SH   DFND 1,2 0 0 4,410
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102   931 16,164 SH   DFND 1,2 0 0 16,164
APARTMENT INVT & MGMT CO CL A REIT 03748R747   606 89,185 SH   DFND 1,2 0 0 89,185
VANGUARD FTSE EUROPE ETF ETF 922042874   1,499 25,873 SH   DFND 1,2 0 0 25,873
SPDR S&P GLOBAL NATURAL RESOURCES ETF ETF 78463X541   700 12,566 SH   DFND 1,2 0 0 12,566
VANGUARD S&P 500 ETF ETF 922908363   1,067 2,707 SH   DFND 1,2 0 0 2,707
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768   1,120 20,934 SH   DFND 1,2 0 0 20,934
SYSCO CORP COM Stock 871829107   522 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   5,378 58,757 SH   DFND 1,2 0 0 58,757
VANGUARD FTSE PACIFIC ETF ETF 922042866   2,448 36,605 SH   DFND 1,2 0 0 36,605
KRONOS WORLDWIDE INC COM Stock 50105F105   215 27,695 SH   DFND 1,2 0 0 27,695
ISHARES MSCI EMERGING MARKETS MIN VOL FACTOR ETF ETF 464286533   309 5,801 SH   DFND 1,2 0 0 5,801
NUVEEN ESG LARGE-CAP ETF ETF 67092P862   1,227 34,838 SH   DFND 1,2 0 0 34,838
VISA INC COM CL A Stock 92826C839   2,311 10,049 SH   DFND 1,2 0 0 10,049
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689   1,086 16,658 SH   DFND 1,2 0 0 16,658
Impact Shares Affordable Housing MBS ETF ETF 45259R103   551 33,912 SH   DFND 1,2 0 0 33,912
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   2,016 27,701 SH   DFND 1,2 0 0 27,701
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150   27,316 288,652 SH   DFND 1,2 0 0 288,652
VANGUARD RUSSELL 3000 ETF ETF 92206C599   3,185 16,701 SH   DFND 1,2 0 0 16,701
D R HORTON INC COM Stock 23331A109   527 4,901 SH   DFND 1,2 0 0 4,901
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101   335 1,090 SH   DFND 1,2 0 0 1,090
INVESCO S&P SMALLCAP VALUE WITH MOMENTUM ETF ETF 46137V480   1,445 30,000 SH   DFND 1,2 0 0 30,000
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   312 6,563 SH   DFND 1,2 0 0 6,563
USA COMPRESSION PARTNERS LP COMUNIT LTDPAR Stock 90290N109   736 30,837 SH   DFND 1,2 0 0 30,837
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775   14,926 287,763 SH   DFND 1,2 0 0 287,763
ISHARES RUSSELL MIDCAP ETF ETF 464287499   5,354 76,959 SH   DFND 1,2 0 0 76,959
ISHARES MSCI EMERGING MARKETS ASIA ETF ETF 464286426   2,220 35,254 SH   DFND 1,2 0 0 35,254
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   223 1,685 SH   DFND 1,2 0 0 1,685
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513   1,281 17,372 SH   DFND 1,2 0 0 17,372
ISHARES S&P 500 VALUE ETF ETF 464287408   2,126 13,742 SH   DFND 1,2 0 0 13,742
ISHARES S&P 500 GROWTH ETF ETF 464287309   1,967 28,651 SH   DFND 1,2 0 0 28,651
ISHARES CORE S&P 500 ETF ETF 464287200   2,009 4,656 SH   DFND 1,2 0 0 4,656
ISHARES NATIONAL MUNI BOND ETF ETF 464288414   1,664 16,223 SH   DFND 1,2 0 0 16,223
CATERPILLAR INC COM Stock 149123101   601 2,200 SH   DFND 1,2 0 0 2,200
ALPHABET INC CAP STK CL C Stock 02079K107   224 1,700 SH   DFND 1,2 0 0 1,700
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   3,672 39,050 SH   DFND 1,2 0 0 39,050
ISHARES BROAD USD INVESTMENT GRADE CORPORATE BOND ETF ETF 464288620   2,341 48,699 SH   DFND 1,2 0 0 48,699
ISHARES RUSSELL 3000 ETF ETF 464287689   2,495 10,140 SH   DFND 1,2 0 0 10,140
UNITEDHEALTH GROUP INC COM Stock 91324P102   1,527 3,029 SH   DFND 1,2 0 0 3,029
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456   11,762 349,957 SH   DFND 1,2 0 0 349,957
NOVO-NORDISK A S ADR ADR 670100205   321 3,534 SH   DFND 1,2 0 0 3,534
ISHARES MSCI EAFE ETF ETF 464287465   7,353 106,689 SH   DFND 1,2 0 0 106,689
APPLE INC COM Stock 037833100   1,858 10,850 SH   DFND 1,2 0 0 10,850
ABBOTT LABS COM Stock 002824100   209 2,159 SH   DFND 1,2 0 0 2,159
ISHARES RUSSELL 1000 ETF ETF 464287622   399 1,690 SH   DFND 1,2 0 0 1,690
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598   4,256 27,853 SH   DFND 1,2 0 0 27,853
NETAPP INC COM Stock 64110D104   325 4,282 SH   DFND 1,2 0 0 4,282