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 PRECS MET 003263100 4,862 50,613 SH   DFND   0 50,613 0
ALPHABET INC CAP STK CL C 02079K107 223 80 SH   DFND 1 0 80 0
APPLE INC COM 037833100 1,570 8,993 SH   DFND 1 0 8,993 0
BERKLEY W R CORP COM 084423102 237 3,564 SH   DFND 1 0 3,564 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 529 1 SH   DFND 1 0 1 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,080 5,894 SH   DFND 1 0 5,894 0
CBRE GROUP INC CL A 12504L109 372 4,062 SH   DFND 1 0 4,062 0
COMCAST CORP NEW CL A 20030N101 201 4,303 SH   DFND 1 0 4,303 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND SBI CONS STPLS 81369Y308 952 12,545 SH   DFND   0 12,545 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 8,717 177,827 SH   DFND 1 0 177,827 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 4,272 171,223 SH   DFND 1 0 171,223 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 270 8,348 SH   DFND 1 0 8,348 0
FINANCIAL SELECT SECTOR SPDR ETF FINANCIAL 81369Y605 2,617 68,287 SH   DFND   0 68,287 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF FST LOW OPPT EFT 33739Q200 3,734 76,296 SH   DFND   0 76,296 0
FIRST TRUST MANAGED MUNICIPAL ETF MANAGD MUN ETF 33739N108 1,732 32,638 SH   DFND   0 32,638 0
GLOBAL X FDS US PFD ETF 37954Y657 208 8,866 SH   DFND 1 0 8,866 0
HEALTHCARE SELECT SECTOR SPDR ETF SBI HEALTHCARE 81369Y209 2,067 15,094 SH   DFND   0 15,094 0
INDUSTRIAL SELECT SECTOR SPDR ETF SBI INT-INDS 81369Y704 1,678 16,293 SH   DFND   0 16,293 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 275 2,295 SH   DFND 1 0 2,295 0
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217 208 1,021 SH   DFND 1 0 1,021 0
INVESCO EXCHNG TRADED TAXABLE MUN BD 46138G805 3,596 121,180 SH   DFND   0 121,180 0
INVESCO S&P 500 EQL WGHT CON DISCRTN ETF S&P500 EQL DIS 46137V381 3,574 26,401 SH   DFND   0 26,401 0
INVESCO S&P 500 EQL WGHT TECHNOLOGY ETF S&P500 EQL TEC 46137V282 6,511 22,515 SH   DFND   0 22,515 0
ISHARES BARCLAYS 3-7 YEAR TREASURY BOND FUND ETF 3 7 YR TREAS BD 464288661 3,012 24,674 SH   DFND   0 24,674 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,444 51,879 SH   DFND 1 0 51,879 0
ISHARES TR A RATE CP BD ETF 46429B291 1,222 23,571 SH   DFND 1 0 23,571 0
ISHARES TR CORE US AGGBD ET 464287226 201 1,880 SH   DFND 1 0 1,880 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,659 16,371 SH   DFND 1 0 16,371 0
ISHARES TR GLOBAL REIT ETF 46434V647 1,367 46,795 SH   DFND 1 0 46,795 0
ISHARES TR IBONDS 27 ETF 46435UAA9 339 13,600 SH   DFND 1 0 13,600 0
ISHARES TR IBONDS DEC2026 46435GAA0 333 13,500 SH   DFND 1 0 13,500 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 735 29,100 SH   DFND 1 0 29,100 0
ISHARES TR MORNINGSTAR GRWT 464287119 325 5,000 SH   DFND 1 0 5,000 0
ISHARES TR MSCI EAFE MIN VL 46429B689 430 5,965 SH   DFND 1 0 5,965 0
ISHARES TR MSCI INTL QUALTY 46434V456 1,303 35,342 SH   DFND 1 0 35,342 0
ISHARES TR MSCI USA MMENTM 46432F396 423 2,515 SH   DFND 1 0 2,515 0
ISHARES TR NATIONAL MUN ETF 464288414 1,031 9,399 SH   DFND 1 0 9,399 0
ISHARES TR PFD AND INCM SEC 464288687 6,004 164,850 SH   DFND 1 0 164,850 0
ISHARES TR RUS MDCP VAL ETF 464287473 695 5,812 SH   DFND 1 0 5,812 0
ISHARES TR RUSEL 2500 ETF 46435G268 437 7,006 SH   DFND 1 0 7,006 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,404 13,425 SH   DFND 1 0 13,425 0
ISHARES TR TIPS BD ETF 464287176 4,447 35,702 SH   DFND 1 0 35,702 0
JOHNSON & JOHNSON COM 478160104 229 1,294 SH   DFND 1 0 1,294 0
MATERIALS SELECT SECTOR SPDR FUND SBI MATERIALS 81369Y100 827 9,382 SH   DFND   0 9,382 0
MICROSOFT CORP COM 594918104 611 1,982 SH   DFND 1 0 1,982 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,514 45,063 SH   DFND 1 0 45,063 0
PIMCO ETF TR ENHANCD SHORT 72201R643 294 2,964 SH   DFND 1 0 2,964 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 1,821 26,480 SH   DFND   0 26,480 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 317 4,147 SH   DFND   0 4,147 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 330 8,600 SH   DFND 1 0 8,600 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 282 5,834 SH   DFND   0 5,834 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 203 2,680 SH   DFND 1 0 2,680 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 457 3,339 SH   DFND 1 0 3,339 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,034 6,509 SH   DFND 1 0 6,509 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 5,514 160,852 SH   DFND 1 0 160,852 0
SPDR SER TR ICE PFD SEC ETF 78464A292 883 22,625 SH   DFND 1 0 22,625 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 382 12,632 SH   DFND 1 0 12,632 0
SPDR SER TR PORTFOLI S&P1500 78464A805 7,593 136,612 SH   DFND 1 0 136,612 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 218 7,840 SH   DFND 1 0 7,840 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 3,125 91,518 SH   DFND 1 0 91,518 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 769 25,939 SH   DFND 1 0 25,939 0
UTILITIES SELECT SECTOR SPDR ETF SBI INT-UTILS 81369Y886 302 4,053 SH   DFND   0 4,053 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 2,100 66,221 SH   DFND 1 0 66,221 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 2,535 33,930 SH   DFND 1 0 33,930 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,574 33,045 SH   DFND 1 0 33,045 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,728 59,446 SH   DFND 1 0 59,446 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,934 17,279 SH   DFND 1 0 17,279 0
VANGUARD INDEX FDS VALUE ETF 922908744 551 3,729 SH   DFND 1 0 3,729 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 649 11,274 SH   DFND 1 0 11,274 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,247 27,026 SH   DFND 1 0 27,026 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 2,288 22,593 SH   DFND 1 0 22,593 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 215 4,166 SH   DFND 1 0 4,166 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,497 29,025 SH   DFND 1 0 29,025 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 4,911 82,878 SH   DFND 1 0 82,878 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 4,261 71,325 SH   DFND 1 0 71,325 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 920 19,149 SH   DFND 1 0 19,149 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 284 2,534 SH   DFND 1 0 2,534 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,626 28,432 SH   DFND 1 0 28,432 0
VANGUARD WORLD FD ESG US STK ETF 921910733 209 2,581 SH   DFND 1 0 2,581 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 878 26,869 SH   DFND 1 0 26,869 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 504 7,800 SH   DFND 1 0 7,800 0