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 4,875 57,126 SH   DFND   0 57,126 0
APPLE INC COM 037833100 1,208 8,837 SH   DFND 1 0 8,837 0
BERKLEY W R CORP COM 084423102 236 3,453 SH   DFND 1 0 3,453 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 409 1 SH   DFND 1 0 1 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,737 6,362 SH   DFND 1 0 6,362 0
CBRE GROUP INC CL A 12504L109 299 4,062 SH   DFND 1 0 4,062 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND SBI CONS STPLS 81369Y308 1,050 14,541 SH   DFND   0 14,541 0
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 7,216 177,070 SH   DFND 1 0 177,070 0
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 547 17,308 SH   DFND 1 0 17,308 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 3,681 171,666 SH   DFND 1 0 171,666 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 227 8,348 SH   DFND 1 0 8,348 0
FIRST TRUST LOW DURATION OPPORTUNITIES ETF FST LOW OPPT EFT 33739Q200 4,041 83,678 SH   DFND   0 83,678 0
FIRST TRUST MANAGED MUNICIPAL ETF MANAGD MUN ETF 33739N108 1,627 32,163 SH   DFND   0 32,163 0
INDUSTRIAL SELECT SECTOR SPDR ETF SBI INT-INDS 81369Y704 2,371 27,143 SH   DFND   0 27,143 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 234 2,295 SH   DFND 1 0 2,295 0
INVESCO EXCHNG TRADED TAXABLE MUN BD 46138G805 2,875 103,718 SH   DFND   0 103,718 0
INVESCO S&P 500 EQL WGHT CON DISCRTN ETF S&P500 EQL DIS 46137V381 2,510 23,441 SH   DFND   0 23,441 0
INVESCO S&P 500 EQL WGHT TECHNOLOGY ETF S&P500 EQL TEC 46137V282 6,592 27,894 SH   DFND   0 27,894 0
ISHARES BARCLAYS 3-7 YEAR TREASURY BOND FUND ETF 3 7 YR TREAS BD 464288661 2,446 20,495 SH   DFND   0 20,495 0
ISHARES TR 0-5 YR TIPS ETF 46429B747 5,553 54,750 SH   DFND 1 0 54,750 0
ISHARES TR A RATE CP BD ETF 46429B291 1,034 21,428 SH   DFND 1 0 21,428 0
ISHARES TR ESG AWR MSCI USA 46435G425 1,315 15,670 SH   DFND 1 0 15,670 0
ISHARES TR GLOBAL REIT ETF 46434V647 1,132 46,811 SH   DFND 1 0 46,811 0
ISHARES TR IBONDS 27 ETF 46435UAA9 325 13,600 SH   DFND 1 0 13,600 0
ISHARES TR IBONDS DEC2026 46435GAA0 321 13,500 SH   DFND 1 0 13,500 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 735 29,746 SH   DFND 1 0 29,746 0
ISHARES TR MORNINGSTAR GRWT 464287119 250 5,000 SH   DFND 1 0 5,000 0
ISHARES TR MSCI EAFE MIN VL 46429B689 378 5,965 SH   DFND 1 0 5,965 0
ISHARES TR MSCI INTL QUALTY 46434V456 1,099 35,524 SH   DFND 1 0 35,524 0
ISHARES TR MSCI USA MMENTM 46432F396 343 2,515 SH   DFND 1 0 2,515 0
ISHARES TR NATIONAL MUN ETF 464288414 1,025 9,636 SH   DFND 1 0 9,636 0
ISHARES TR PFD AND INCM SEC 464288687 5,520 167,879 SH   DFND 1 0 167,879 0
ISHARES TR RUS MDCP VAL ETF 464287473 581 5,717 SH   DFND 1 0 5,717 0
ISHARES TR RUSEL 2500 ETF 46435G268 396 7,669 SH   DFND 1 0 7,669 0
ISHARES TR SHRT NAT MUN ETF 464288158 1,400 13,380 SH   DFND 1 0 13,380 0
ISHARES TR TIPS BD ETF 464287176 4,853 42,600 SH   DFND 1 0 42,600 0
JOHNSON & JOHNSON COM 478160104 230 1,294 SH   DFND 1 0 1,294 0
MATERIALS SELECT SECTOR SPDR FUND SBI MATERIALS 81369Y100 492 6,683 SH   DFND   0 6,683 0
MICROSOFT CORP COM 594918104 503 1,957 SH   DFND 1 0 1,957 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 4,447 44,865 SH   DFND 1 0 44,865 0
PIMCO ETF TR ENHANCD SHORT 72201R643 292 2,964 SH   DFND 1 0 2,964 0
PROCTER AND GAMBLE CO COM 742718109 225 1,563 SH   DFND 1 0 1,563 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 2,144 39,520 SH   DFND   0 39,520 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 573 8,010 SH   DFND   0 8,010 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 270 8,600 SH   DFND 1 0 8,600 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 3,037 96,562 SH   DFND   0 96,562 0
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 759 18,582 SH   DFND   0 18,582 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 421 3,280 SH   DFND 1 0 3,280 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 3,395 26,475 SH   DFND   0 26,475 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 827 6,509 SH   DFND 1 0 6,509 0
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 4,730 163,996 SH   DFND 1 0 163,996 0
SPDR SER TR ICE PFD SEC ETF 78464A292 816 22,766 SH   DFND 1 0 22,766 0
SPDR SER TR PORTFLI TIPS ETF 78464A656 359 13,039 SH   DFND 1 0 13,039 0
SPDR SER TR PORTFOLI S&P1500 78464A805 6,549 140,899 SH   DFND 1 0 140,899 0
SPDR SER TR PORTFOLIO AGRGTE 78464A649 207 7,840 SH   DFND 1 0 7,840 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 3,152 96,590 SH   DFND 1 0 96,590 0
SPDR SER TR PORTFOLIO SH TSR 78468R101 764 25,942 SH   DFND 1 0 25,942 0
UTILITIES SELECT SECTOR SPDR ETF SBI INT-UTILS 81369Y886 521 7,425 SH   DFND   0 7,425 0
VANECK ETF TRUST MRNGSTR INT MOAT 92189F593 1,913 66,259 SH   DFND 1 0 66,259 0
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 2,156 33,830 SH   DFND 1 0 33,830 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 2,732 35,580 SH   DFND 1 0 35,580 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 4,395 58,397 SH   DFND 1 0 58,397 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,184 16,882 SH   DFND 1 0 16,882 0
VANGUARD INDEX FDS VALUE ETF 922908744 492 3,729 SH   DFND 1 0 3,729 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 565 11,304 SH   DFND 1 0 11,304 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,161 27,878 SH   DFND 1 0 27,878 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,916 22,453 SH   DFND 1 0 22,453 0
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 208 4,166 SH   DFND 1 0 4,166 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,321 29,005 SH   DFND 1 0 29,005 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 4,651 79,012 SH   DFND 1 0 79,012 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 3,819 73,990 SH   DFND 1 0 73,990 0
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 780 19,130 SH   DFND 1 0 19,130 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 258 2,534 SH   DFND 1 0 2,534 0
VANGUARD WORLD FD ESG INTL STK ETF 921910725 1,385 28,244 SH   DFND 1 0 28,244 0
WISDOMTREE TR EM EX ST-OWNED 97717X578 761 26,521 SH   DFND 1 0 26,521 0
WISDOMTREE TR US TOTAL DIVIDND 97717W109 452 7,800 SH   DFND 1 0 7,800 0