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
3M CO COM COM 88579Y101 257 1,448 SH   DFND 1 0 0 1,448
ABBVIE INC COM COM 00287Y109 740 5,470 SH   DFND 1 0 0 5,470
ABBVIE INC COM COM 00287Y109 234 1,730 SH   SOLE NONE 0 0 1,730
ADOBE SYS INC COM 00724F101 656 1,157 SH   DFND 1 0 0 1,157
AIR PRODS & CHEMS INC COM COM 009158106 429 1,411 SH   DFND 1 0 0 1,411
ALLSTATE CORP COM 020002101 351 2,987 SH   DFND 1 0 0 2,987
ALTRIA GROUP INC COM COM 02209S103 365 7,742 SH   DFND 1 0 0 7,742
AMAZON COM INC COM COM 023135106 673 202 SH   DFND 1 0 0 202
AMAZON COM INC COM COM 023135106 276 83 SH   SOLE NONE 0 0 83
AMERICAN AIRLS GROUP INC COM COM 02376R102 295 16,478 SH   SOLE NONE 0 0 16,478
AMERICAN EXPRESS CO COM COM 025816109 225 1,381 SH   DFND 1 0 0 1,381
AMERICAN TOWER CORP NEW COM COM 03027X100 682 2,335 SH   DFND 1 0 0 2,335
ANALOG DEVICES INC COM COM 032654105 537 3,058 SH   DFND 1 0 0 3,058
ANNALY CAPITAL MANAGEMENT INC COM COM 035710409 545 69,812 SH   SOLE NONE 0 0 69,812
APPLE INC COM 037833100 2,678 15,081 SH   DFND 1 0 0 15,081
APPLE INC COM 037833100 4,396 24,760 SH   SOLE NONE 0 0 24,760
ARES MANAGEMENT CORPORATION CL A COM STK CL A COM STK 03990B101 496 6,110 SH   DFND 1 0 0 6,110
ARK INNOVATION ETF INNOVATION ETF 00214Q104 367 3,887 SH   DFND 1 0 0 3,887
ARK INNOVATION ETF INNOVATION ETF 00214Q104 432 4,568 SH   SOLE NONE 0 0 4,568
ASTRA SPACE INC COM CL A COM CL A 04634X103 400 57,811 SH   SOLE NONE 0 0 57,811
AT&T INC COM COM 00206R102 265 10,810 SH   SOLE NONE 0 0 10,810
AUTODESK INC COM COM 052769106 396 1,409 SH   DFND 1 0 0 1,409
AVERY DENNISON CORP COM COM 053611109 224 1,038 SH   DFND 1 0 0 1,038
B&G FOODS INC CLASS A COM 05508R106 404 13,151 SH   SOLE NONE 0 0 13,151
BANK NEW YORK MELLON CORP COM COM 064058100 577 9,937 SH   DFND 1 0 0 9,937
BARRICK GOLD CORP F COM 067901108 697 36,632 SH   SOLE NONE 0 0 36,632
BAUSCH HEALTH COS INC COM COM 071734107 709 25,714 SH   SOLE NONE 0 0 25,714
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 583 1,952 SH   DFND 1 0 0 1,952
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 384 1,285 SH   SOLE NONE 0 0 1,285
BIO-TECHNE CORP COM COM 09073M104 567 1,097 SH   DFND 1 0 0 1,097
BK OF AMERICA CORP COM COM 060505104 234 5,261 SH   DFND 1 0 0 5,261
BK OF AMERICA CORP COM COM 060505104 217 4,898 SH   SOLE NONE 0 0 4,898
BLACKROCK CAP INVT CORP 5 06/15/2022 NOTE 5.000% 6/1 092533AC2 20 20,000 SH   SOLE NONE 0 0 20,000
BLACKROCK INC COM 09247X101 423 463 SH   DFND 1 0 0 463
BLACKROCK TAX MUNICPAL BD TR SHS SHS 09248X100 19,612 749,180 SH   DFND 1 0 0 749,180
BLACKSTONE MTG TR INC COM CL A COM CL A 09257W100 329 10,750 SH   DFND 1 0 0 10,750
BOEING CO COM COM 097023105 206 1,027 SH   SOLE NONE 0 0 1,027
BOOT BARN HLDGS INC COM COM 099406100 394 3,204 SH   DFND 1 0 0 3,204
BP PLC SPONSORED ADR SPONSORED ADR 055622104 711 26,710 SH   SOLE NONE 0 0 26,710
BRISTOL-MYERS SQUIBB CO COM COM 110122108 507 8,136 SH   DFND 1 0 0 8,136
BROADCOM INC COM COM 11135F101 961 1,444 SH   DFND 1 0 0 1,444
CATALENT INC COM COM 148806102 456 3,568 SH   DFND 1 0 0 3,568
CBS CORP CL B CL B 92556H206 681 22,596 SH   SOLE NONE 0 0 22,596
CDW CORP COM COM 12514G108 269 1,316 SH   DFND 1 0 0 1,316
CHARLES SCHWAB CORP COM 808513105 338 4,029 SH   DFND 1 0 0 4,029
CHEVRON CORP NEW COM COM 166764100 457 3,901 SH   DFND 1 0 0 3,901
CISCO SYS INC COM 17275R102 332 5,245 SH   DFND 1 0 0 5,245
COGNIZANT TECH SOLUTIONS CORP CL A 192446102 364 4,105 SH   DFND 1 0 0 4,105
COMCAST CORP NEW CL A CL A 20030N101 693 13,785 SH   DFND 1 0 0 13,785
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 9,329 45,632 SH   DFND 1 0 0 45,632
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 283 1,385 SH   SOLE NONE 0 0 1,385
CORSAIR GAMING INC COM COM 22041X102 455 21,664 SH   SOLE NONE 0 0 21,664
COSTCO WHOLESALE CORP COM 22160K105 517 912 SH   DFND 1 0 0 912
CUMMINS INC COM COM 231021106 285 1,308 SH   DFND 1 0 0 1,308
D R HORTON INC COM COM 23331A109 282 2,606 SH   DFND 1 0 0 2,606
DISCOVER FINANCIAL SERVICES LLC COM 254709108 266 2,310 SH   DFND 1 0 0 2,310
DISNEY WALT CO COM COM 254687106 356 2,301 SH   DFND 1 0 0 2,301
DOMINION RESOURCES INC COM 25746U109 405 5,168 SH   SOLE NONE 0 0 5,168
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506 8,542 153,910 SH   DFND 1 0 0 153,910
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506 494 8,904 SH   SOLE NONE 0 0 8,904
EVERSOURCE ENERGY COM COM 30040W108 207 2,276 SH   DFND 1 0 0 2,276
EXTRA SPACE STORAGE INC COM 30225T102 490 2,164 SH   DFND 1 0 0 2,164
EXXON MOBIL CORP COM COM 30231G102 273 4,475 SH   SOLE NONE 0 0 4,475
FIDELITY MSCI HEALTH CARE INDEX ETF MSCI HLTH CARE I 316092600 10,111 147,274 SH   DFND 1 0 0 147,274
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF MSCI INFO TECH I 316092808 290 2,145 SH   SOLE NONE 0 0 2,145
FINANCIAL SELECT SECTOR SPDR FUND FINANCIAL 81369Y605 250 6,421 SH   SOLE NONE 0 0 6,421
FIRST HORIZON CORPORATION COM COM 320517105 459 28,118 SH   DFND 1 0 0 28,118
FIRST TRUST CAPITAL STRENGTH ETF CAP STRENGTH ETF 33733E104 259 3,065 SH   SOLE NONE 0 0 3,065
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND SHS 336917109 225 6,355 SH   SOLE NONE 0 0 6,355
FISERV INC COM COM 337738108 296 2,856 SH   DFND 1 0 0 2,856
FORD MOTOR COMPANY COM 345370860 571 27,518 SH   SOLE NONE 0 0 27,518
FREEPORT-MCMORAN INC CL B CL B 35671D857 556 13,328 SH   SOLE NONE 0 0 13,328
FS KKR CAP CORP COM COM 302635206 343 16,418 SH   DFND 1 0 0 16,418
GENERAC HLDGS INC COM COM 368736104 644 1,830 SH   DFND 1 0 0 1,830
GENERAL ELECTRIC CO COM NEW COM NEW 369604301 337 3,572 SH   SOLE NONE 0 0 3,572
GOLDMAN SACHS GROUP INC COM 38141G104 447 1,169 SH   SOLE NONE 0 0 1,169
GOLUB CAP BDC INC COM COM 38173M102 328 21,298 SH   DFND 1 0 0 21,298
GOOGLE INC CAP STK CL A 02079K305 1,683 581 SH   DFND 1 0 0 581
GREENBRIER COS INC 2.875 02/01/2024 NOTE 2.875% 2/0 393657AK7 18 17,000 SH   DFND 1 0 0 17,000
HCI GROUP INC 4.25 03/01/2037 NOTE 4.250% 3/0 40416EAD5 26 19,000 SH   DFND 1 0 0 19,000
HERCULES CAPITAL INC COM COM 427096508 306 18,453 SH   DFND 1 0 0 18,453
HOME DEPOT COM 437076102 1,330 3,207 SH   DFND 1 0 0 3,207
HOME DEPOT COM 437076102 726 1,750 SH   SOLE NONE 0 0 1,750
HONEYWELL INTL INC COM 438516106 485 2,330 SH   SOLE NONE 0 0 2,330
HORIZON THERAPEUTICS PUB L SHS SHS G46188101 251 2,337 SH   DFND 1 0 0 2,337
HP INC COM COM 40434L105 689 18,312 SH   SOLE NONE 0 0 18,312
IDACORP INC COM COM 451107106 277 2,447 SH   DFND 1 0 0 2,447
INGREDION INC COM COM 457187102 278 2,882 SH   DFND 1 0 0 2,882
INSPIRE MED SYS INC COM COM 457730109 791 3,440 SH   SOLE NONE 0 0 3,440
INTERPUBLIC GROUP COS INC COM COM 460690100 894 23,885 SH   DFND 1 0 0 23,885
INTL BUSINESS MACHINES COM 459200101 707 5,296 SH   SOLE NONE 0 0 5,296
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602 444 1,237 SH   DFND 1 0 0 1,237
INVESCO DWA HEALTHCARE MOMENTUM ETF DWA HEALTHCARE 46137V852 220 1,420 SH   SOLE NONE 0 0 1,420
INVESCO DYNAMIC SEMICONDUCTORS ETF DYNMC SEMICNDT 46137V647 550 3,585 SH   SOLE NONE 0 0 3,585
INVESCO NATIONAL AMT-FREE MUNICIPAL BOND ETF NATL AMT MUNI 46138E537 699 25,798 SH   DFND 1 0 0 25,798
IQVIA HLDGS INC COM COM 46266C105 396 1,405 SH   DFND 1 0 0 1,405
ISHARES CONVERTIBLE BOND ETF CONV BD ETF 46435G102 2,215 24,848 SH   DFND 1 0 0 24,848
ISHARES FLOATING RATE BOND ETF FLTG RATE NT ETF 46429B655 370 7,300 SH   SOLE NONE 0 0 7,300
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 4,212 48,411 SH   DFND 1 0 0 48,411
ISHARES MSCI USA QUALITY FACTOR ETF MSCI USA QLT FCT 46432F339 5,660 38,889 SH   DFND 1 0 0 38,889
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 6,806 22,272 SH   DFND 1 0 0 22,272
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499 5,604 67,517 SH   DFND 1 0 0 67,517
ISHARES S&P 100 ETF S&P 100 ETF 464287101 260 1,190 SH   SOLE NONE 0 0 1,190
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 3,922 34,252 SH   DFND 1 0 0 34,252
ISHARES U.S. FINANCIAL SERVICES ETF U.S. FIN SVC ETF 464287770 304 1,579 SH   DFND 1 0 0 1,579
JOHNSON & JOHNSON COM COM 478160104 305 1,785 SH   DFND 1 0 0 1,785
JOHNSON & JOHNSON COM COM 478160104 405 2,372 SH   SOLE NONE 0 0 2,372
JPMORGAN CHASE & CO COM COM 46625H100 978 6,179 SH   DFND 1 0 0 6,179
KEYCORP COM COM 493267108 434 18,794 SH   SOLE NONE 0 0 18,794
KIMBERLY-CLARK CORP COM COM 494368103 539 3,745 SH   SOLE NONE 0 0 3,745
KINDER MORGAN INC COM 49456B101 664 41,917 SH   SOLE NONE 0 0 41,917
L3HARRIS TECHNOLOGIES INC COM COM 502431109 377 1,769 SH   DFND 1 0 0 1,769
LAM RESEARCH CORP COM COM 512807108 455 633 SH   DFND 1 0 0 633
LILLY ELI & CO COM COM 532457108 561 2,034 SH   DFND 1 0 0 2,034
MACYS INC COM COM 55616P104 593 22,654 SH   SOLE NONE 0 0 22,654
MATERIALS SELECT SECTOR SPDR FUND SBI MATERIALS 81369Y100 4,440 49,002 SH   DFND 1 0 0 49,002
MATERIALS SELECT SECTOR SPDR FUND SBI MATERIALS 81369Y100 266 2,945 SH   SOLE NONE 0 0 2,945
MERCK & CO INC COM 58933Y105 408 5,410 SH   DFND 1 0 0 5,410
MERCK & CO INC COM 58933Y105 698 9,039 SH   SOLE NONE 0 0 9,039
META PLATFORMS INC CL A CL A 30303M102 227 675 SH   SOLE NONE 0 0 675
MICROCHIP TECHNOLOGY INC. COM COM 595017104 519 5,971 SH   DFND 1 0 0 5,971
MICRON TECHNOLOGY COM 595112103 901 9,675 SH   SOLE NONE 0 0 9,675
MICROSOFT COM 594918104 570 1,696 SH   DFND 1 0 0 1,696
MICROSOFT COM 594918104 276 823 SH   SOLE NONE 0 0 823
MONDELEZ INTL INC CL A CL A 609207105 258 3,905 SH   DFND 1 0 0 3,905
MORGAN STANLEY COM NEW COM NEW 617446448 256 2,609 SH   SOLE NONE 0 0 2,609
NETAPP INC COM COM 64110D104 440 4,788 SH   DFND 1 0 0 4,788
NEXTERA ENERGY INC COM COM 65339F101 242 2,601 SH   DFND 1 0 0 2,601
NEXTERA ENERGY INC COM COM 65339F101 1,093 11,713 SH   SOLE NONE 0 0 11,713
NORFOLK SOUTHERN CRP COM 655844108 400 1,346 SH   DFND 1 0 0 1,346
NUCOR CORP COM COM 670346105 241 2,113 SH   DFND 1 0 0 2,113
NVIDIA CORPORATION COM COM 67066G104 689 2,586 SH   DFND 1 0 0 2,586
OLD DOMINION FREIGHT LINE INC COM COM 679580100 554 1,548 SH   DFND 1 0 0 1,548
PACIRA BIOSCIENCES INC 2.375 04/01/2022 NOTE 2.375% 4/0 695127AD2 19 19,000 SH   DFND 1 0 0 19,000
PHILIP MORRIS INTL INC COM 718172109 718 7,568 SH   DFND 1 0 0 7,568
PIONEER NAT RES CO COM COM 723787107 459 2,528 SH   DFND 1 0 0 2,528
PNC FINL SVCS GROUP INC COM COM 693475105 454 2,266 SH   DFND 1 0 0 2,266
PRICE T ROWE GROUP INC COM COM 74144T108 382 1,944 SH   DFND 1 0 0 1,944
QUALCOMM INC COM COM 747525103 591 3,233 SH   SOLE NONE 0 0 3,233
REDWOOD TRUST INC 4.75 08/15/2023 NOTE 4.750% 8/1 758075AC9 30 30,000 SH   SOLE NONE 0 0 30,000
S&P GLOBAL INC COM COM 78409V104 478 1,013 SH   DFND 1 0 0 1,013
SALESFORCE COM INC COM COM 79466L302 332 1,308 SH   DFND 1 0 0 1,308
SCHLUMBERGER LTD COM STK COM STK 806857108 222 7,433 SH   DFND 1 0 0 7,433
SCHWAB FUNDAMENTAL INTERNATIONAL LARGE COMPANY INDEX ETF SCHWB FDT INT LG 808524755 26,802 824,431 SH   DFND 1 0 0 824,431
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 272 7,008 SH   DFND 1 0 0 7,008
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 4,047 50,077 SH   DFND 1 0 0 50,077
SERVICENOW INC COM COM 81762P102 510 787 SH   DFND 1 0 0 787
SKILLZ INC COM COM 83067L109 176 23,742 SH   SOLE NONE 0 0 23,742
SOUTHERN CO COM COM 842587107 339 4,951 SH   SOLE NONE 0 0 4,951
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF BLOOMBERG CONV 78464A359 332 4,006 SH   DFND 1 0 0 4,006
SPDR DOW JONES INDUSTRIAL AVERAGE ETF UT SER 1 78467X109 394 1,085 SH   SOLE NONE 0 0 1,085
SPDR GOLD ETF GOLD SHS 78463V107 343 2,012 SH   SOLE NONE 0 0 2,012
SPDR S&P 500 ETF TR UNIT 78462F103 23,825 50,165 SH   DFND 1 0 0 50,165
SPDR S&P 500 ETF TR UNIT 78462F103 322 676 SH   SOLE NONE 0 0 676
STARWOOD PPTY TR INC COM COM 85571B105 282 11,624 SH   DFND 1 0 0 11,624
SYNEOS HEALTH INC CL A CL A 87166B102 222 2,167 SH   DFND 1 0 0 2,167
TARGET CORP COM COM 87612E106 613 2,651 SH   DFND 1 0 0 2,651
TE CONNECTIVITY LTD SHS H84989104 295 1,834 SH   DFND 1 0 0 1,834
TECHNOLOGY SELECT SECTOR SPDR FUND TECHNOLOGY 81369Y803 1,025 5,899 SH   SOLE NONE 0 0 5,899
TESLA INC COM COM 88160R101 1,114 1,055 SH   SOLE NONE 0 0 1,055
TEXAS INSTRS INC COM COM 882508104 421 2,239 SH   DFND 1 0 0 2,239
THERMO FISHER SCIENTIFIC INC COM COM 883556102 501 752 SH   DFND 1 0 0 752
TRUIST FINL CORP COM COM 89832Q109 338 5,775 SH   DFND 1 0 0 5,775
UNITED PARCEL SERVICE INC CL B 911312106 864 4,032 SH   DFND 1 0 0 4,032
UNITEDHEALTH GROUP COM 91324P102 569 1,134 SH   SOLE NONE 0 0 1,134
UWM HOLDINGS CORPORATION COM CL A COM CL A 91823B109 563 95,257 SH   SOLE NONE 0 0 95,257
VALERO ENERGY CORP COM COM 91913Y100 861 11,467 SH   SOLE NONE 0 0 11,467
VANGUARD CONSUMER DISCRETIONARY INDEX FUND CONSUM DIS ETF 92204A108 1,629 4,784 SH   DFND 1 0 0 4,784
VANGUARD HEALTH CARE INDEX FUND HEALTH CAR ETF 92204A504 5,703 21,408 SH   DFND 1 0 0 21,408
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF INTL HIGH ETF 921946794 5,002 74,471 SH   DFND 1 0 0 74,471
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 1,123 4,408 SH   DFND 1 0 0 4,408
VANGUARD VALUE ETF VALUE ETF 922908744 18,300 124,399 SH   DFND 1 0 0 124,399
VERIZON COMMUNICATIONS COM 92343V104 214 4,137 SH   DFND 1 0 0 4,137
VERIZON COMMUNICATIONS COM 92343V104 1,281 24,656 SH   SOLE NONE 0 0 24,656
VISA INC COM CL A 92826C839 787 3,276 SH   DFND 1 0 0 3,276
VISHAY INTERTECHNOLOGY INC 2.25 06/15/2025 NOTE 2.250% 6/1 928298AP3 24 24,000 SH   DFND 1 0 0 24,000
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 806 15,457 SH   SOLE NONE 0 0 15,457
WELLS FARGO CO NEW COM COM 949746101 435 9,074 SH   DFND 1 0 0 9,074
WILLIAMS COS INC COM COM 969457100 510 19,608 SH   DFND 1 0 0 19,608
WISDOMTREE U.S. LARGECAP DIVIDEND FUND US LARGECAP DIVD 97717W307 247 3,746 SH   DFND 1 0 0 3,746
ZEBRA TECHNOLOGIES CORPORATION CL A CL A 989207105 226 381 SH   DFND 1 0 0 381