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
ABBOTT LABS COM 002824100   7,392 73 SH   DFND 1 0 0 73
ABBOTT LABS COM 002824100   1,745,124 17,234 SH   SOLE   0 0 17,234
ABBVIE INC COM 00287Y109   10,678 67 SH   DFND 1 0 0 67
ABBVIE INC COM 00287Y109   2,661,479 16,700 SH   SOLE   0 0 16,700
ABRDN ETFS BBRG ALL COMD K1 003261104   377,813 18,191 SH   SOLE   0 0 18,191
ADVANCED DRAIN SYS INC DEL COM 00790R104   216,757 2,574 SH   SOLE   0 0 2,574
AFLAC INC COM 001055102   435,768 6,754 SH   SOLE   0 0 6,754
ALPHABET INC CAP STK CL A 02079K305   12,136 117 SH   DFND 1 0 0 117
ALPHABET INC CAP STK CL A 02079K305   332,870 3,209 SH   SOLE   0 0 3,209
ALPS ETF TR ALERIAN MLP 00162Q452   396,972 10,271 SH   SOLE   0 0 10,271
ALTRIA GROUP INC COM 02209S103   435,810 9,767 SH   SOLE   0 0 9,767
AMAZON COM INC COM 023135106   59,909 580 SH   DFND 1 0 0 580
AMAZON COM INC COM 023135106   1,316,225 12,743 SH   SOLE   0 0 12,743
AMERICAN AIRLS GROUP INC COM 02376R102   172,532 11,697 SH   SOLE   0 0 11,697
AMERICAN CENTY ETF TR US SML CP VALU 025072877   566,543 7,650 SH   SOLE   0 0 7,650
AMERICAN EXPRESS CO COM 025816109   2,309 14 SH   DFND 1 0 0 14
AMERICAN EXPRESS CO COM 025816109   220,737 1,338 SH   SOLE   0 0 1,338
APPLE INC COM 037833100   322,874 1,959 SH   DFND 1 0 0 1,959
APPLE INC COM 037833100   13,435,950 81,480 SH   SOLE   0 0 81,480
AT&T INC COM 00206R102   723 38 SH   DFND 1 0 0 38
AT&T INC COM 00206R102   245,889 12,773 SH   SOLE   0 0 12,773
AUTOMATIC DATA PROCESSING IN COM 053015103   760,282 3,415 SH   SOLE   0 0 3,415
BANK AMERICA CORP COM 060505104   248,901 8,703 SH   SOLE   0 0 8,703
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   13,277 43 SH   DFND 1 0 0 43
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   924,766 2,995 SH   SOLE   0 0 2,995
BOEING CO COM 097023105   3,611 17 SH   DFND 1 0 0 17
BOEING CO COM 097023105   682,963 3,215 SH   SOLE   0 0 3,215
CARNIVAL CORP COMMON STOCK 143658300   229,187 22,580 SH   SOLE   0 0 22,580
CEDAR FAIR L P DEPOSITRY UNIT 150185106   499,666 10,936 SH   SOLE   0 0 10,936
CHEVRON CORP NEW COM 166764100   2,447 15 SH   DFND 1 0 0 15
CHEVRON CORP NEW COM 166764100   390,073 2,391 SH   SOLE   0 0 2,391
CLOROX CO DEL COM 189054109   355,354 2,245 SH   SOLE   0 0 2,245
COCA COLA CO COM 191216100   249,546 4,023 SH   SOLE   0 0 4,023
COCA COLA CO COM 191216100   12,282 198 SH   DFND 1 0 0 198
COLGATE PALMOLIVE CO COM 194162103   240,556 3,201 SH   SOLE   0 0 3,201
COSTCO WHSL CORP NEW COM 22160K105   11,428 23 SH   DFND 1 0 0 23
COSTCO WHSL CORP NEW COM 22160K105   290,196 584 SH   SOLE   0 0 584
DARDEN RESTAURANTS INC COM 237194105   573,161 3,694 SH   SOLE   0 0 3,694
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   14,039,414 315,992 SH   SOLE   0 0 315,992
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   336,996 10,456 SH   SOLE   0 0 10,456
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   16,976,006 382,087 SH   DFND 1 0 0 382,087
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   203,633 4,576 SH   SOLE   0 0 4,576
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   31,899,649 1,383,332 SH   DFND 1 0 0 1,383,332
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   49,504,358 1,942,870 SH   DFND 1 0 0 1,942,870
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   40,565,080 1,592,035 SH   SOLE   0 0 1,592,035
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   31,874,266 1,382,232 SH   SOLE   0 0 1,382,232
DISNEY WALT CO COM 254687106   3,004 30 SH   DFND 1 0 0 30
DISNEY WALT CO COM 254687106   294,382 2,940 SH   SOLE   0 0 2,940
DUKE ENERGY CORP NEW COM NEW 26441C204   272,860 2,828 SH   SOLE   0 0 2,828
EATON CORP PLC SHS G29183103   2,399 14 SH   DFND 1 0 0 14
EATON CORP PLC SHS G29183103   390,312 2,278 SH   SOLE   0 0 2,278
EMERSON ELEC CO COM 291011104   228,917 2,627 SH   SOLE   0 0 2,627
EXXON MOBIL CORP COM 30231G102   81,214 740 SH   DFND 1 0 0 740
EXXON MOBIL CORP COM 30231G102   696,590 6,352 SH   SOLE   0 0 6,352
FLEXSHARES TR MORNSTAR USMKT 33939L100   181,934 1,160 SH   DFND 1 0 0 1,160
FLEXSHARES TR M STAR DEV MKT 33939L803   134,101 2,081 SH   DFND 1 0 0 2,081
FLEXSHARES TR MORNSTAR USMKT 33939L100   682,731 4,353 SH   SOLE   0 0 4,353
FLEXSHARES TR M STAR DEV MKT 33939L803   418,242 6,490 SH   SOLE   0 0 6,490
FLEXSHARES TR MSTAR EMKT FAC 33939L308   56,702 1,155 SH   DFND 1 0 0 1,155
FLEXSHARES TR MSTAR EMKT FAC 33939L308   203,762 4,151 SH   SOLE   0 0 4,151
FORD MTR CO DEL COM 345370860   128,646 10,209 SH   SOLE   0 0 10,209
FRANKLIN RESOURCES INC COM 354613101   425,975 15,812 SH   SOLE   0 0 15,812
GENERAL AMERN INVS CO INC COM 368802104   372,602 9,576 SH   SOLE   0 0 9,576
GENERAL ELECTRIC CO COM NEW 369604301   223,717 2,340 SH   SOLE   0 0 2,340
GENERAL MLS INC COM 370334104   422,515 4,944 SH   SOLE   0 0 4,944
GLOBAL X FDS GLB X MLP ENRG I 37954Y293   428,465 10,725 SH   SOLE   0 0 10,725
HOME DEPOT INC COM 437076102   3,103,536 10,516 SH   SOLE   0 0 10,516
HONEYWELL INTL INC COM 438516106   1,911 10 SH   DFND 1 0 0 10
HONEYWELL INTL INC COM 438516106   483,163 2,528 SH   SOLE   0 0 2,528
ING GROEP N.V. SPONSORED ADR 456837103   162,631 13,701 SH   SOLE   0 0 13,701
INNOVATOR ETFS TR US EQT ULTRA BF 45782C300   1,537,621 49,454 SH   DFND 1 0 0 49,454
INNOVATOR ETFS TR US EQTY PWR BUF 45782C656   277,193 9,035 SH   SOLE   0 0 9,035
INNOVATOR ETFS TR US EQTY ULTRA B 45782C649   1,749,193 63,613 SH   SOLE   0 0 63,613
INNOVATOR ETFS TR US EQT ULTRA BF 45782C839   1,526,177 56,440 SH   DFND 1 0 0 56,440
INNOVATOR ETFS TR US EQTY ULTRA B 45782C821   1,646,359 57,718 SH   SOLE   0 0 57,718
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532   1,485,223 52,099 SH   DFND 1 0 0 52,099
INNOVATOR ETFS TR US EQT ULTRA BFR 45782C425   1,574,818 59,338 SH   SOLE   0 0 59,338
INNOVATOR ETFS TR US EQT ULTRA BF 45782C672   1,870,388 69,158 SH   SOLE   0 0 69,158
INNOVATOR ETFS TR US EQTY ULTRA B 45782C649   1,511,038 54,952 SH   DFND 1 0 0 54,952
INNOVATOR ETFS TR US EQTY ULTRA B 45782C532   1,624,595 56,988 SH   SOLE   0 0 56,988
INNOVATOR ETFS TR US EQT ULTRA BF 45782C730   4,459,672 161,758 SH   SOLE   0 0 161,758
INNOVATOR ETFS TR US EQTY BUF SEP 45782C664   262,748 8,181 SH   SOLE   0 0 8,181
INNOVATOR ETFS TR US EQT ULTRA BF 45782C375   1,672,162 58,223 SH   SOLE   0 0 58,223
INNOVATOR ETFS TR US EQTY ULTRA BU 45782C565   1,607,315 55,500 SH   SOLE   0 0 55,500
INNOVATOR ETFS TR US EQT ULTRA BF 45782C672   1,392,905 51,503 SH   DFND 1 0 0 51,503
INNOVATOR ETFS TR US EQT ULTRA BF 45782C730   1,474,446 53,480 SH   DFND 1 0 0 53,480
INNOVATOR ETFS TR DEFINED WLT SHLD 45783Y855   1,326,891 48,729 SH   SOLE   0 0 48,729
INNOVATOR ETFS TR US EQT ULTRA BF 45782C292   1,680,623 62,704 SH   SOLE   0 0 62,704
INNOVATOR ETFS TR US EQT ULTRA BF 45782C292   1,467,517 54,753 SH   DFND 1 0 0 54,753
INNOVATOR ETFS TR US EQTY ULTRA BU 45782C565   1,511,861 52,204 SH   DFND 1 0 0 52,204
INNOVATOR ETFS TR US EQT ULTRA BF 45782C839   3,056,107 113,019 SH   SOLE   0 0 113,019
INNOVATOR ETFS TR US EQT ULTRA BF 45782C805   1,695,521 67,984 SH   SOLE   0 0 67,984
INNOVATOR ETFS TR US EQT ULTRA BF 45782C375   1,482,552 51,621 SH   DFND 1 0 0 51,621
INNOVATOR ETFS TR US EQT ULTRA BF 45782C300   1,758,437 56,556 SH   SOLE   0 0 56,556
INNOVATOR ETFS TR US EQTY ULTRA B 45782C821   1,548,179 54,276 SH   DFND 1 0 0 54,276
INNOVATOR ETFS TR US EQT ULTRA BFR 45782C425   1,473,488 55,520 SH   DFND 1 0 0 55,520
INNOVATOR ETFS TR US EQT ULTRA BF 45782C805   1,467,344 58,835 SH   DFND 1 0 0 58,835
INTERNATIONAL BUSINESS MACHS COM 459200101   352,643 2,690 SH   SOLE   0 0 2,690
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887   526,900 10,623 SH   SOLE   0 0 10,623
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   3,633,854 58,235 SH   DFND 1 0 0 58,235
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   353,787 2,680 SH   SOLE   0 0 2,680
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   3,255,148 52,166 SH   SOLE   0 0 52,166
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   255,036 11,514 SH   SOLE   0 0 11,514
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   371,849 17,640 SH   SOLE   0 0 17,640
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   356,042 17,292 SH   SOLE   0 0 17,292
INVESCO QQQ TR UNIT SER 1 46090E103   6,538,487 20,372 SH   SOLE   0 0 20,372
INVESCO QQQ TR UNIT SER 1 46090E103   82,158 256 SH   DFND 1 0 0 256
ISHARES INC ESG AWR MSCI EM 46434G863   7,601,617 241,474 SH   DFND 1 0 0 241,474
ISHARES INC MSCI TAIWAN ETF 46434G772   861,201 18,998 SH   SOLE   0 0 18,998
ISHARES INC CORE MSCI EMKT 46434G103   341,677 7,003 SH   SOLE   0 0 7,003
ISHARES INC ESG AWR MSCI EM 46434G863   6,909,835 219,498 SH   SOLE   0 0 219,498
ISHARES INC CORE MSCI EMKT 46434G103   312,156 6,398 SH   DFND 1 0 0 6,398
ISHARES INC MSCI SWITZERLAND 464286749   965,509 21,304 SH   SOLE   0 0 21,304
ISHARES TR RUS 1000 ETF 464287622   3,829 17 SH   DFND 1 0 0 17
ISHARES TR 1 3 YR TREAS BD 464287457   797,309 9,704 SH   SOLE   0 0 9,704
ISHARES TR U.S. MED DVC ETF 464288810   982,962 18,209 SH   SOLE   0 0 18,209
ISHARES TR MSCI USA MIN VOL 46429B697   191,044 2,626 SH   DFND 1 0 0 2,626
ISHARES TR MSCI USA QLT FCT 46432F339   8,747,116 70,502 SH   SOLE   0 0 70,502
ISHARES TR US TREAS BD ETF 46429B267   196,627 8,410 SH   DFND 1 0 0 8,410
ISHARES TR CORE DIV GRWTH 46434V621   80,835 1,617 SH   DFND 1 0 0 1,617
ISHARES TR US INFRASTRUC 46435U713   1,250,035 33,495 SH   DFND 1 0 0 33,495
ISHARES TR GLOBAL TECH ETF 464287291   1,448,164 26,639 SH   SOLE   0 0 26,639
ISHARES TR MSCI EAFE ETF 464287465   3,833,692 53,603 SH   SOLE   0 0 53,603
ISHARES TR CORE S&P MCP ETF 464287507   103,064 412 SH   DFND 1 0 0 412
ISHARES TR U.S. TECH ETF 464287721   5,770,302 62,169 SH   SOLE   0 0 62,169
ISHARES TR MSCI USA MIN VOL 46429B697   166,423 2,288 SH   SOLE   0 0 2,288
ISHARES TR US TREAS BD ETF 46429B267   74,068 3,168 SH   SOLE   0 0 3,168
ISHARES TR EAFE GRWTH ETF 464288885   618,598 6,604 SH   DFND 1 0 0 6,604
ISHARES TR JPMORGAN USD EMG 464288281   636,213 7,373 SH   DFND 1 0 0 7,373
ISHARES TR EAFE VALUE ETF 464288877   448,847 9,249 SH   DFND 1 0 0 9,249
ISHARES TR DOW JONES US ETF 464287846   500,077 4,997 SH   SOLE   0 0 4,997
ISHARES TR U.S. ENERGY ETF 464287796   47 1 SH   DFND 1 0 0 1
ISHARES TR CORE TOTAL USD 46434V613   631,793 13,690 SH   DFND 1 0 0 13,690
ISHARES TR US HLTHCARE ETF 464287762   585,617 2,145 SH   SOLE   0 0 2,145
ISHARES TR MSCI EAFE ETF 464287465   80,961 1,132 SH   DFND 1 0 0 1,132
ISHARES TR NATIONAL MUN ETF 464288414   404,347 3,753 SH   DFND 1 0 0 3,753
ISHARES TR U.S. TECH ETF 464287721   4,921,445 53,025 SH   DFND 1 0 0 53,025
ISHARES TR RUSSELL 3000 ETF 464287689   293,820 1,248 SH   SOLE   0 0 1,248
ISHARES TR U.S. ENERGY ETF 464287796   496,262 11,344 SH   SOLE   0 0 11,344
ISHARES TR 1 3 YR TREAS BD 464287457   819,495 9,974 SH   DFND 1 0 0 9,974
ISHARES TR EAFE VALUE ETF 464288877   384,226 7,917 SH   SOLE   0 0 7,917
ISHARES TR GLOBAL TECH ETF 464287291   240,589 4,426 SH   DFND 1 0 0 4,426
ISHARES TR US CONSUM DISCRE 464287580   353,036 5,458 SH   SOLE   0 0 5,458
ISHARES TR MBS ETF 464288588   1,457,795 15,388 SH   DFND 1 0 0 15,388
ISHARES TR US HLTHCARE ETF 464287762   542,583 1,987 SH   DFND 1 0 0 1,987
ISHARES TR CORE S&P MCP ETF 464287507   582,971 2,330 SH   SOLE   0 0 2,330
ISHARES TR MSCI USA QLT FCT 46432F339   9,854,524 79,428 SH   DFND 1 0 0 79,428
ISHARES TR FLTG RATE NT ETF 46429B655   4,465,714 88,623 SH   SOLE   0 0 88,623
ISHARES TR RUS TP200 GR ETF 464289438   213,813 1,539 SH   SOLE   0 0 1,539
ISHARES TR ESG AWR MSCI USA 46435G425   18,981,684 209,858 SH   DFND 1 0 0 209,858
ISHARES TR SHRT NAT MUN ETF 464288158   311,229 2,973 SH   DFND 1 0 0 2,973
ISHARES TR CORE S&P TTL STK 464287150   685,187 7,566 SH   SOLE   0 0 7,566
ISHARES TR CORE S&P500 ETF 464287200   2,066,202 5,026 SH   SOLE   0 0 5,026
ISHARES TR CORE TOTAL USD 46434V613   275,099 5,961 SH   SOLE   0 0 5,961
ISHARES TR US INFRASTRUC 46435U713   1,111,090 29,772 SH   SOLE   0 0 29,772
ISHARES TR CORE DIV GRWTH 46434V621   3,855,146 77,118 SH   SOLE   0 0 77,118
ISHARES TR NATIONAL MUN ETF 464288414   342,936 3,183 SH   SOLE   0 0 3,183
ISHARES TR RUS MDCP VAL ETF 464287473   210,914 1,986 SH   SOLE   0 0 1,986
ISHARES TR MBS ETF 464288588   1,143,197 12,067 SH   SOLE   0 0 12,067
ISHARES TR SHRT NAT MUN ETF 464288158   320,755 3,064 SH   SOLE   0 0 3,064
ISHARES TR 10-20 YR TRS ETF 464288653   1,751,029 15,287 SH   DFND 1 0 0 15,287
ISHARES TR 0-5 YR TIPS ETF 46429B747   1,835,606 18,498 SH   SOLE   0 0 18,498
ISHARES TR U.S. MED DVC ETF 464288810   194,005 3,594 SH   DFND 1 0 0 3,594
ISHARES TR EAFE GRWTH ETF 464288885   535,652 5,719 SH   SOLE   0 0 5,719
ISHARES TR FLTG RATE NT ETF 46429B655   149,355 2,964 SH   DFND 1 0 0 2,964
ISHARES TR ISHARES SEMICDTR 464287523   1,821,584 4,091 SH   SOLE   0 0 4,091
ISHARES TR US CONSM STAPLES 464287812   837,316 4,204 SH   SOLE   0 0 4,204
ISHARES TR RUS 1000 ETF 464287622   257,890 1,145 SH   SOLE   0 0 1,145
ISHARES TR TIPS BD ETF 464287176   1,776,082 16,109 SH   SOLE   0 0 16,109
ISHARES TR 10-20 YR TRS ETF 464288653   1,509,804 13,181 SH   SOLE   0 0 13,181
ISHARES TR ESG AWR MSCI USA 46435G425   17,368,777 192,026 SH   SOLE   0 0 192,026
ISHARES TR JPMORGAN USD EMG 464288281   560,893 6,500 SH   SOLE   0 0 6,500
ISHARES TR CORE S&P500 ETF 464287200   1,901,627 4,626 SH   DFND 1 0 0 4,626
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507   209,758 4,229 SH   SOLE   0 0 4,229
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   774,830 15,510 SH   DFND 1 0 0 15,510
ISHARES U S ETF TR BLACKROCK SHORT 46431W838   657,123 13,154 SH   SOLE   0 0 13,154
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   737,204 18,579 SH   SOLE   0 0 18,579
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   768,908 19,378 SH   DFND 1 0 0 19,378
JOHNSON & JOHNSON COM 478160104   8,060 52 SH   DFND 1 0 0 52
JOHNSON & JOHNSON COM 478160104   766,038 4,942 SH   SOLE   0 0 4,942
JPMORGAN CHASE & CO COM 46625H100   500,138 3,839 SH   SOLE   0 0 3,839
JPMORGAN CHASE & CO COM 46625H100   13,161 101 SH   DFND 1 0 0 101
LILLY ELI & CO COM 532457108   256,193 746 SH   SOLE   0 0 746
LOCKHEED MARTIN CORP COM 539830109   3,782 8 SH   DFND 1 0 0 8
LOCKHEED MARTIN CORP COM 539830109   231,646 490 SH   SOLE   0 0 490
LOWES COS INC COM 548661107   2,600 13 SH   DFND 1 0 0 13
LOWES COS INC COM 548661107   289,426 1,447 SH   SOLE   0 0 1,447
MARRIOTT INTL INC NEW CL A 571903202   1,678,332 10,108 SH   SOLE   0 0 10,108
MCDONALDS CORP COM 580135101   1,678 6 SH   DFND 1 0 0 6
MCDONALDS CORP COM 580135101   417,518 1,493 SH   SOLE   0 0 1,493
MERCK & CO INC COM 58933Y105   8,192 77 SH   DFND 1 0 0 77
MERCK & CO INC COM 58933Y105   429,557 4,038 SH   SOLE   0 0 4,038
META PLATFORMS INC CL A 30303M102   21,194 100 SH   DFND 1 0 0 100
META PLATFORMS INC CL A 30303M102   833,053 4,129 SH   SOLE   0 0 4,129
MICROSOFT CORP COM 594918104   1,986,941 6,892 SH   SOLE   0 0 6,892
MICROSOFT CORP COM 594918104   37,769 131 SH   DFND 1 0 0 131
MONDELEZ INTL INC CL A 609207105   1,952 28 SH   DFND 1 0 0 28
MONDELEZ INTL INC CL A 609207105   360,308 5,168 SH   SOLE   0 0 5,168
MORGAN STANLEY COM NEW 617446448   6,146 70 SH   DFND 1 0 0 70
MORGAN STANLEY COM NEW 617446448   277,800 3,164 SH   SOLE   0 0 3,164
NEXTERA ENERGY INC COM 65339F101   2,544 33 SH   DFND 1 0 0 33
NEXTERA ENERGY INC COM 65339F101   563,995 7,317 SH   SOLE   0 0 7,317
NORDSON CORP COM 655663102   538,921 2,425 SH   SOLE   0 0 2,425
NORFOLK SOUTHN CORP COM 655844108   728,576 3,437 SH   SOLE   0 0 3,437
NOVARTIS AG SPONSORED ADR 66987V109   301,392 3,276 SH   SOLE   0 0 3,276
NVIDIA CORPORATION COM 67066G104   283,603 1,021 SH   SOLE   0 0 1,021
PEPSICO INC COM 713448108   2,005 11 SH   DFND 1 0 0 11
PEPSICO INC COM 713448108   737,041 4,043 SH   SOLE   0 0 4,043
PFIZER INC COM 717081103   412,477 10,110 SH   SOLE   0 0 10,110
PHILIP MORRIS INTL INC COM 718172109   3,890 40 SH   DFND 1 0 0 40
PHILIP MORRIS INTL INC COM 718172109   847,088 8,710 SH   SOLE   0 0 8,710
PROCTER AND GAMBLE CO COM 742718109   510,188 3,431 SH   SOLE   0 0 3,431
QUALCOMM INC COM 747525103   375,744 2,945 SH   SOLE   0 0 2,945
RAYTHEON TECHNOLOGIES CORP COM 75513E101   783 8 SH   DFND 1 0 0 8
RAYTHEON TECHNOLOGIES CORP COM 75513E101   253,737 2,591 SH   SOLE   0 0 2,591
ROYAL BK CDA SUSTAINABL COM 780087102   12,139 127 SH   DFND 1 0 0 127
ROYAL BK CDA SUSTAINABL COM 780087102   357,947 3,745 SH   SOLE   0 0 3,745
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   236,643 9,651 SH   SOLE   0 0 9,651
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   315,252 9,059 SH   SOLE   0 0 9,059
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   385,461 7,969 SH   SOLE   0 0 7,969
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   422,553 2,798 SH   SOLE   0 0 2,798
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   820,666 6,339 SH   SOLE   0 0 6,339
SELECT SECTOR SPDR TR ENERGY 81369Y506   749,781 9,052 SH   SOLE   0 0 9,052
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   3,620,236 10,884 SH   SOLE   0 0 10,884
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   546 16 SH   DFND 1 0 0 16
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   4,698,065 146,266 SH   DFND 1 0 0 146,266
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   6,395,134 199,101 SH   SOLE   0 0 199,101
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   666,117 19,517 SH   SOLE   0 0 19,517
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,117,032 17,385 SH   SOLE   0 0 17,385
SPDR S&P 500 ETF TR TR UNIT 78462F103   72,872 178 SH   DFND 1 0 0 178
SPDR SER TR PRTFLO S&P500 VL 78464A508   7,859 193 SH   DFND 1 0 0 193
SPDR SER TR PRTFLO S&P500 GW 78464A409   6,532 118 SH   DFND 1 0 0 118
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   4,775 52 SH   DFND 1 0 0 52
SPDR SER TR PORTFOLI S&P1500 78464A805   1,938,159 38,433 SH   SOLE   0 0 38,433
SPDR SER TR S&P DIVID ETF 78464A763   372,882 3,014 SH   SOLE   0 0 3,014
SPDR SER TR S&P 600 SMCP VAL 78464A300   837,980 11,000 SH   SOLE   0 0 11,000
SPDR SER TR PORTFOLIO SH TSR 78468R101   427,839 14,637 SH   SOLE   0 0 14,637
SPDR SER TR S&P 400 MDCP VAL 78464A839   236,699 3,582 SH   SOLE   0 0 3,582
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,949,691 114,373 SH   DFND 1 0 0 114,373
SPDR SER TR PRTFLO S&P500 GW 78464A409   709,126 12,809 SH   SOLE   0 0 12,809
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,467,597 95,680 SH   SOLE   0 0 95,680
SPDR SER TR PRTFLO S&P500 VL 78464A508   521,664 12,811 SH   SOLE   0 0 12,811
SPDR SER TR PORTFOLIO S&P500 78464A854   23,440,610 486,823 SH   SOLE   0 0 486,823
SPDR SER TR PORTFOLIO SHORT 78464A474   1,117,942 37,730 SH   SOLE   0 0 37,730
SPDR SER TR PORTFOLIO S&P500 78464A854   24,501,356 508,853 SH   DFND 1 0 0 508,853
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   613,635 6,683 SH   SOLE   0 0 6,683
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   9,785 236 SH   DFND 1 0 0 236
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   321,025 7,743 SH   SOLE   0 0 7,743
TESLA INC COM 88160R101   783,992 3,779 SH   SOLE   0 0 3,779
THE REAL BROKERAGE INC COM NEW 75585H206   166,883 137,920 SH   SOLE   0 0 137,920
TJX COS INC NEW COM 872540109   2,429 31 SH   DFND 1 0 0 31
TJX COS INC NEW COM 872540109   330,002 4,211 SH   SOLE   0 0 4,211
UNITED PARCEL SERVICE INC CL B 911312106   6,208 32 SH   DFND 1 0 0 32
UNITED PARCEL SERVICE INC CL B 911312106   574,449 2,961 SH   SOLE   0 0 2,961
UNITEDHEALTH GROUP INC COM 91324P102   8,506 18 SH   DFND 1 0 0 18
UNITEDHEALTH GROUP INC COM 91324P102   484,487 1,025 SH   SOLE   0 0 1,025
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,549,530 20,218 SH   SOLE   0 0 20,218
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,734,506 35,750 SH   DFND 1 0 0 35,750
VANGUARD BD INDEX FDS INTERMED TERM 921937819   1,498,150 19,523 SH   DFND 1 0 0 19,523
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,304,509 17,021 SH   DFND 1 0 0 17,021
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,032,206 26,482 SH   SOLE   0 0 26,482
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   2,224,163 29,078 SH   SOLE   0 0 29,078
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,012,658 61,584 SH   DFND 1 0 0 61,584
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   2,478,212 50,659 SH   SOLE   0 0 50,659
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   570,122 1,516 SH   SOLE   0 0 1,516
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,504,027 13,208 SH   SOLE   0 0 13,208
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   422,003 3,010 SH   SOLE   0 0 3,010
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,446,538 7,089 SH   SOLE   0 0 7,089
VANGUARD INDEX FDS GROWTH ETF 922908736   11,178,718 44,815 SH   SOLE   0 0 44,815
VANGUARD INDEX FDS LARGE CAP ETF 922908637   930,561 4,981 SH   SOLE   0 0 4,981
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   32,883 396 SH   DFND 1 0 0 396
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   328,930 1,688 SH   SOLE   0 0 1,688
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,276,778 12,011 SH   DFND 1 0 0 12,011
VANGUARD INDEX FDS VALUE ETF 922908744   9,029,584 65,380 SH   DFND 1 0 0 65,380
VANGUARD INDEX FDS VALUE ETF 922908744   10,726,729 77,668 SH   SOLE   0 0 77,668
VANGUARD INDEX FDS SML CP GRW ETF 922908595   359,260 1,660 SH   SOLE   0 0 1,660
VANGUARD INDEX FDS GROWTH ETF 922908736   9,215,727 36,946 SH   DFND 1 0 0 36,946
VANGUARD INDEX FDS SM CP VAL ETF 922908611   3,911,342 24,637 SH   SOLE   0 0 24,637
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   4,739,151 35,349 SH   SOLE   0 0 35,349
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   449,784 5,417 SH   SOLE   0 0 5,417
VANGUARD INDEX FDS SM CP VAL ETF 922908611   73,505 463 SH   DFND 1 0 0 463
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   78,296 584 SH   DFND 1 0 0 584
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,336,004 82,574 SH   DFND 1 0 0 82,574
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   4,082,666 101,056 SH   SOLE   0 0 101,056
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,382,299 66,765 SH   DFND 1 0 0 66,765
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,454,998 68,200 SH   SOLE   0 0 68,200
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   149,107 1,956 SH   DFND 1 0 0 1,956
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,117,397 67,131 SH   SOLE   0 0 67,131
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,430,615 30,732 SH   DFND 1 0 0 30,732
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   582,577 8,892 SH   DFND 1 0 0 8,892
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   1,124,456 24,155 SH   SOLE   0 0 24,155
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   220,522 3,767 SH   DFND 1 0 0 3,767
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   690,431 11,795 SH   SOLE   0 0 11,795
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   473,436 7,226 SH   SOLE   0 0 7,226
VANGUARD STAR FDS VG TL INTL STK F 921909768   284,939 5,161 SH   SOLE   0 0 5,161
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,875,905 240,778 SH   SOLE   0 0 240,778
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   10,048,828 222,467 SH   DFND 1 0 0 222,467
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   871,181 8,297 SH   SOLE   0 0 8,297
VANGUARD WORLD FDS UTILITIES ETF 92204A876   268,128 1,817 SH   SOLE   0 0 1,817
VANGUARD WORLD FDS MATERIALS ETF 92204A801   73,795 415 SH   DFND 1 0 0 415
VANGUARD WORLD FDS MATERIALS ETF 92204A801   3,466,241 19,493 SH   SOLE   0 0 19,493
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   682,999 2,862 SH   SOLE   0 0 2,862
VANGUARD WORLD FDS INF TECH ETF 92204A702   569,384 1,477 SH   SOLE   0 0 1,477
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   433,238 2,238 SH   SOLE   0 0 2,238
VERIZON COMMUNICATIONS INC COM 92343V104   661 17 SH   DFND 1 0 0 17
VERIZON COMMUNICATIONS INC COM 92343V104   210,511 5,413 SH   SOLE   0 0 5,413
VOYA FINANCIAL INC COM 929089100   864,523 12,098 SH   SOLE   0 0 12,098
WALMART INC COM 931142103   3,391 23 SH   DFND 1 0 0 23
WALMART INC COM 931142103   861,551 5,843 SH   SOLE   0 0 5,843
WISDOMTREE TR YIELD ENHANCD US 97717X511   17,651 404 SH   DFND 1 0 0 404
WISDOMTREE TR EUROPE HEDGED EQ 97717X701   214,816 2,613 SH   SOLE   0 0 2,613
WISDOMTREE TR YIELD ENHANCD US 97717X511   459,312 10,513 SH   SOLE   0 0 10,513