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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
iShares Russell Top 200 Growth ETF ETF 464289438   30,396,888 252,193 SH   DFND 1 0 0 252,193
iShares Intermediate Govt/Crdt Bd ETF ETF 464288612   22,431,977 218,934 SH   DFND 1 0 0 218,934
iShares Russell Top 200 Value ETF ETF 464289420   21,194,265 326,216 SH   DFND 1 0 0 326,216
iShares Russell Mid-Cap Value ETF ETF 464287473   19,669,295 186,722 SH   DFND 1 0 0 186,722
iShares Core MSCI EAFE ETF 46432F842   18,244,936 295,991 SH   DFND 1 0 0 295,991
iShares Edge MSCI Min Vol USA ETF 46429B697   18,463,714 256,084 SH   DFND 1 0 0 256,084
iShares Russell Mid-Cap Growth ETF ETF 464287481   11,341,733 135,666 SH   DFND 1 0 0 135,666
iShares Core MSCI Emerging Markets ETF ETF 46434G103   9,349,789 200,209 SH   DFND 1 0 0 200,209
iShares National Muni Bond ETF ETF 464288414   6,046,507 57,302 SH   DFND 1 0 0 57,302
JPMorgan US Quality Factor ETF ETF 46641Q761   6,677,051 172,311 SH   DFND 1 0 0 172,311
Vanguard Russell 2000 ETF ETF 92206C664   4,895,461 69,567 SH   DFND 1 0 0 69,567
iShares Core S&P 500 ETF 464287200   2,631,615 6,849 SH   DFND 1 0 0 6,849
iShares MSCI EAFE Small-Cap ETF 464288273   1,761,074 31,180 SH   DFND 1 0 0 31,180
ProShares DJ Brookfield Global Infras ETF 74347B508   1,772,841 39,866 SH   DFND 1 0 0 39,866
iShares ESG Aware MSCI USA ETF ETF 46435G425   1,458,609 17,210 SH   DFND 1 0 0 17,210
iShares Core Total USD Bond Market ETF ETF 46434V613   1,426,339 31,745 SH   DFND 1 0 0 31,745
Vanguard Intl Hi Div Yld Idx ETF ETF 921946794   1,448,087 24,309 SH   DFND 1 0 0 24,309
iShares MSCI EAFE Growth ETF ETF 464288885   1,005,393 12,003 SH   DFND 1 0 0 12,003
iShares MBS ETF 464288588   962,652 10,379 SH   DFND 1 0 0 10,379
iShares MSCI EAFE Value ETF 464288877   1,419,813 30,946 SH   DFND 1 0 0 30,946
iShares iBoxx $ Investment Grade Corporate Bond ETF ETF 464287242   809,807 7,681 SH   DFND 1 0 0 7,681
Vanguard High Dividend Yield ETF ETF 921946406   807,246 7,460 SH   DFND 1 0 0 7,460
iShares MSCI ACWI ETF 464288257   643,305 7,579 SH   DFND 1 0 0 7,579
iShares MSCI Emerg Mkts Min Vol Fctr ETF ETF 464286533   477,609 9,003 SH   DFND 1 0 0 9,003
iShares Fallen Angels USD Bond ETF ETF 46435G474   587,489 23,872 SH   DFND 1 0 0 23,872
First Trust Low Duration Oppos ETF ETF 33739Q200   416,923 8,794 SH   DFND 1 0 0 8,794
iShares 7-10 Year Treasury Bond ETF ETF 464287440   511,082 5,336 SH   DFND 1 0 0 5,336
iShares US Treasury Bond ETF 46429B267   360,651 15,873 SH   DFND 1 0 0 15,873
iShares 0-5 Year High Yield Corp Bd ETF ETF 46434V407   285,739 6,988 SH   DFND 1 0 0 6,988
First Trust Ltd Drtn Inv Grd Corp ETF ETF 33738D804   274,449 14,700 SH   DFND 1 0 0 14,700
Ishares U S Technology Etf ETF 464287721   241,124 3,237 SH   DFND 1 0 0 3,237
iShares 10-20 Year Treasury Bond ETF ETF 464288653   221,035 2,043 SH   DFND 1 0 0 2,043
iShares JPMorgan USD Emerg Markets Bond ETF 464288281   218,918 2,588 SH   DFND 1 0 0 2,588
Global X S&P 500 Covered Call ETF ETF 37954Y475   204,286 5,139 SH   DFND 1 0 0 5,139
Vanguard REIT ETF ETF 922908553   203,313 2,465 SH   DFND 1 0 0 2,465
iShares Core S&P Small-Cap ETF 464287804   267,831 2,830 SH   DFND 1 0 0 2,830
Vanguard Growth ETF ETF 922908736   212,896 999 SH   DFND 1 0 0 999
Vanguard Total Bond Market ETF ETF 921937835   231,109 3,217 SH   DFND 1 0 0 3,217