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
ABERDEEN STD PRECIOUS PHYSCL PM BASKET 003263100 5,671 63,403 SH   DFND   0 63,403 0
ALPHABET INC CAP STK CL A 02079K305 203 70 SH   DFND 1 0 70 0
ALPHABET INC CAP STK CL C 02079K107 231 80 SH   DFND 1 0 80 0
APPLE INC COM 037833100 1,602 9,022 SH   DFND 1 0 9,022 0
BERKLEY W R CORP COM 084423102 209 2,533 SH   DFND 1 0 2,533 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,780 5,954 SH   DFND 1 0 5,954 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 451 1 SH   DFND 1 0 1 0
CBRE GROUP INC CL A 12504L109 640 5,895 SH   DFND 1 0 5,895 0
COMCAST CORP NEW CL A 20030N101 217 4,303 SH   DFND 1 0 4,303 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND SBI CONS STPLS 81369Y308 502 6,507 SH   DFND   0 6,507 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 9,374 181,314 SH   DFND 1 0 181,314 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 4,447 170,314 SH   DFND 1 0 170,314 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 290 8,348 SH   DFND 1 0 8,348 0
FINANCIAL SELECT SECTOR SPDR ETF FINANCIAL 81369Y605 2,398 61,423 SH   DFND   0 61,423 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF FST LOW OPPT EFT 33739Q200 3,922 78,449 SH   DFND   0 78,449 0
FIRST TRUST MANAGED MUNICIPAL ETF MANAGD MUN ETF 33739N108 621 10,901 SH   DFND   0 10,901 0
GLOBAL X FDS US PFD ETF 37954Y657 228 8,866 SH   DFND 1 0 8,866 0
HEALTHCARE SELECT SECTOR SPDR ETF SBI HEALTHCARE 81369Y209 1,532 10,875 SH   DFND   0 10,875 0
INDUSTRIAL SELECT SECTOR SPDR ETF SBI INT-INDS 81369Y704 1,805 17,062 SH   DFND   0 17,062 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 283 2,295 SH   DFND 1 0 2,295 0
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217 235 1,021 SH   DFND 1 0 1,021 0
INVESCO EXCHNG TRADED TAXABLE MUN BD 46138G805 4,027 122,186 SH   DFND   0 122,186 0
INVESCO S&P 500 EQL WGHT CON DISCRTN ETF S&P500 EQL DIS 46137V381 3,210 20,499 SH   DFND   0 20,499 0
INVESCO S&P 500 EQL WGHT TECHNOLOGY ETF S&P500 EQL TEC 46137V282 8,957 27,641 SH   DFND   0 27,641 0
ISHARES BARCLAYS 3-7 YEAR TREASURY BOND FUND ETF 3 7 YR TREAS BD 464288661 3,210 24,952 SH   DFND   0 24,952 0
ISHARES TR PFD AND INCM SEC 464288687 6,438 163,279 SH   DFND 1 0 163,279 0
ISHARES TR NATIONAL MUN ETF 464288414 1,126 9,685 SH   DFND 1 0 9,685 0
ISHARES TR CORE US AGGBD ET 464287226 229 2,005 SH   DFND 1 0 2,005 0
ISHARES TR TIPS BD ETF 464287176 3,209 24,836 SH   DFND 1 0 24,836 0
ISHARES TR MORNINGSTAR GRWT 464287119 427 5,950 SH   DFND 1 0 5,950 0
ISHARES TR RUS MDCP VAL ETF 464287473 711 5,812 SH   DFND 1 0 5,812 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 769 29,100 SH   DFND 1 0 29,100 0
ISHARES TR MSCI INTL QUALTY 46434V456 1,510 38,345 SH   DFND 1 0 38,345 0
ISHARES TR IBONDS DEC2026 46435GAA0 352 13,500 SH   DFND 1 0 13,500 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,905 17,657 SH   DFND 1 0 17,657 0
ISHARES TR RUSEL 2500 ETF 46435G268 465 6,999 SH   DFND 1 0 6,999 0
ISHARES TR IBONDS 27 ETF 46435UAA9 361 13,600 SH   DFND 1 0 13,600 0
ISHARES TR GLOBAL REIT ETF 46434V647 1,459 47,668 SH   DFND 1 0 47,668 0
ISHARES TR MSCI USA MMENTM 46432F396 457 2,515 SH   DFND 1 0 2,515 0
ISHARES TR MSCI EAFE MIN VL 46429B689 458 5,965 SH   DFND 1 0 5,965 0
ISHARES TR A RATE CP BD ETF 46429B291 1,403 25,029 SH   DFND 1 0 25,029 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,441 13,425 SH   DFND 1 0 13,425 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,650 53,366 SH   DFND 1 0 53,366 0
JOHNSON & JOHNSON COM 478160104 221 1,294 SH   DFND 1 0 1,294 0
MATERIALS SELECT SECTOR SPDR FUND SBI MATERIALS 81369Y100 554 6,115 SH   DFND   0 6,115 0
MICROSOFT CORP COM 594918104 667 1,982 SH   DFND 1 0 1,982 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,825 47,504 SH   DFND 1 0 47,504 0
PIMCO ETF TR ENHANCD SHORT 72201R643 297 2,964 SH   DFND 1 0 2,964 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 536 9,653 SH   DFND   0 9,653 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,863 23,986 SH   DFND   0 23,986 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 2,055 39,669 SH   DFND   0 39,669 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 364 9,325 SH   DFND 1 0 9,325 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,135 6,530 SH   DFND 1 0 6,530 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 207 2,679 SH   DFND 1 0 2,679 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 495 3,514 SH   DFND 1 0 3,514 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,395 147,882 SH   DFND 1 0 147,882 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 232 7,840 SH   DFND 1 0 7,840 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 398 12,632 SH   DFND 1 0 12,632 0
SPDR SER TR PORTFOLI S&P1500 78464A805 7,027 120,215 SH   DFND 1 0 120,215 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 3,234 89,447 SH   DFND 1 0 89,447 0
SPDR SER TR ICE PFD SEC ETF 78464A292 987 23,009 SH   DFND 1 0 23,009 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 797 26,189 SH   DFND 1 0 26,189 0
TESLA INC COM 88160R101 697 660 SH   DFND 1 0 660 0
UTILITIES SELECT SECTOR SPDR ETF SBI INT-UTILS 81369Y886 268 3,740 SH   DFND   0 3,740 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 2,602 34,189 SH   DFND 1 0 34,189 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 2,073 64,556 SH   DFND 1 0 64,556 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,940 24,000 SH   DFND 1 0 24,000 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,232 61,738 SH   DFND 1 0 61,738 0
VANGUARD INDEX FDS VALUE ETF 922908744 441 2,997 SH   DFND 1 0 2,997 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,406 18,248 SH   DFND 1 0 18,248 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,244 25,150 SH   DFND 1 0 25,150 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 691 11,274 SH   DFND 1 0 11,274 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,451 22,818 SH   DFND 1 0 22,818 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 229 4,166 SH   DFND 1 0 4,166 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,429 26,185 SH   DFND 1 0 26,185 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 5,678 93,345 SH   DFND 1 0 93,345 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,426 69,628 SH   DFND 1 0 69,628 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 916 17,932 SH   DFND 1 0 17,932 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 284 2,534 SH   DFND 1 0 2,534 0
VANGUARD WORLD FD ESG US STK ETF 921910733 227 2,577 SH   DFND 1 0 2,577 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,780 28,706 SH   DFND 1 0 28,706 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 1,049 28,475 SH   DFND 1 0 28,475 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 505 7,800 SH   DFND 1 0 7,800 0