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
Fidelity MSCI Consumer Staples ETF Exchange Traded Fund 316092303 1,492 35,655 SH   DFND 1 0 0 0
Fidelity MSCI Energy ETF Exchange Traded Fund 316092402 701 48,675 SH   DFND 1 0 0 0
Fidelity MSCI Health Care ETF Exchange Traded Fund 316092600 1,608 25,192 SH   DFND 1 0 0 0
Fidelity MSCI Information Tech ETF Exchange Traded Fund 316092808 1,705 14,376 SH   DFND 1 0 0 0
Fidelity Low Volatility Factor ETF Exchange Traded Fund 316092824 446 9,392 SH   DFND 1 0 0 0
Fidelity MSCI Real Estate ETF Exchange Traded Fund 316092857 203 6,683 SH   DFND 1 0 0 0
Fidelity MSCI Communication ServicesETF Exchange Traded Fund 316092873 1,525 28,554 SH   DFND 1 0 0 0
Goldman Sachs ActiveBeta Intl Eq ETF Exchange Traded Fund 381430107 993 29,075 SH   DFND 1 0 0 0
Goldman Sachs ActiveBeta EMkts Eq ETF Exchange Traded Fund 381430206 414 11,157 SH   DFND 1 0 0 0
Goldman Sachs ActiveBeta US LgCp Eq ETF Exchange Traded Fund 381430503 360 4,188 SH   DFND 1 0 0 0
iShares Gold Trust Exchange Traded Fund 464285204 10,667 319,261 SH   DFND 1 0 0 0
iShares Core S&P Total US Stock Mkt ETF Exchange Traded Fund 464287150 9,639 97,978 SH   DFND 1 0 0 0
iShares TIPS Bond Exchange Traded Fund 464287176 8,467 66,312 SH   DFND 1 0 0 0
iShares Core S&P 500 Exchange Traded Fund 464287200 22,664 52,607 SH   DFND 1 0 0 0
iShares Core US Aggregate Bond Exchange Traded Fund 464287226 11,659 101,533 SH   DFND 1 0 0 0
iShares MSCI Emerging Markets Exchange Traded Fund 464287234 3,624 71,926 SH   DFND 1 0 0 0
iShares S&P 500 Growth Exchange Traded Fund 464287309 7,619 103,087 SH   DFND 1 0 0 0
iShares S&P 500 Value Exchange Traded Fund 464287408 4,861 33,430 SH   DFND 1 0 0 0
Ishares 20 Plus Year Treasury Bond Etf Exchange Traded Fund 464287432 6,455 44,730 SH   DFND 1 0 0 0
iShares 7-10 Year Treasury Bond ETF Exchange Traded Fund 464287440 4,303 37,347 SH   DFND 1 0 0 0
iShares 1-3 Year Treasury Bond Exchange Traded Fund 464287457 773 8,972 SH   DFND 1 0 0 0
iShares MSCI EAFE Exchange Traded Fund 464287465 1,166 14,952 SH   DFND 1 0 0 0
iShares Russell Mid-Cap Value ETF Exchange Traded Fund 464287473 13,349 117,874 SH   DFND 1 0 0 0
iShares Russell Mid-Cap Growth ETF Exchange Traded Fund 464287481 8,531 76,123 SH   DFND 1 0 0 0
iShares Russell Mid-Cap Exchange Traded Fund 464287499 6,292 80,442 SH   DFND 1 0 0 0
iShares Core S&P Mid-Cap Exchange Traded Fund 464287507 2,655 10,092 SH   DFND 1 0 0 0
iShares Semiconductor ETF Exchange Traded Fund 464287523 3,226 7,235 SH   DFND 1 0 0 0
iShares Nasdaq Biotechnology Exchange Traded Fund 464287556 463 2,864 SH   DFND 1 0 0 0
iShares Cohen & Steers REIT ETF Exchange Traded Fund 464287564 776 11,867 SH   DFND 1 0 0 0
iShares Russell 1000 Value Exchange Traded Fund 464287598 2,143 13,691 SH   DFND 1 0 0 0
iShares S&P Mid-Cap 400 Growth Exchange Traded Fund 464287606 2,538 32,047 SH   DFND 1 0 0 0
iShares Russell 1000 Growth Exchange Traded Fund 464287614 11,715 42,748 SH   DFND 1 0 0 0
iShares Russell 1000 Exchange Traded Fund 464287622 775 3,206 SH   DFND 1 0 0 0
iShares Russell 2000 Value Exchange Traded Fund 464287630 2,345 14,634 SH   DFND 1 0 0 0
iShares Russell 2000 Growth Exchange Traded Fund 464287648 2,136 7,277 SH   DFND 1 0 0 0
iShares Russell 2000 Exchange Traded Fund 464287655 6,925 31,657 SH   DFND 1 0 0 0
iShares Core S&P US Value ETF Exchange Traded Fund 464287663 564 7,954 SH   DFND 1 0 0 0
Ishares Core U S Growth Etf Exchange Traded Fund 464287671 2,272 22,189 SH   DFND 1 0 0 0
iShares US Utilities Exchange Traded Fund 464287697 1,790 22,677 SH   DFND 1 0 0 0
Ishares U S Technology Etf Exchange Traded Fund 464287721 8,583 84,761 SH   DFND 1 0 0 0
iShares US Real Estate Exchange Traded Fund 464287739 6,036 58,948 SH   DFND 1 0 0 0
iShares US Industrials Exchange Traded Fund 464287754 2,867 26,753 SH   DFND 1 0 0 0
iShares US Financial Services ETF Exchange Traded Fund 464287770 3,001 15,948 SH   DFND 1 0 0 0
Ishares U S Financials Etf Exchange Traded Fund 464287788 1,414 17,131 SH   DFND 1 0 0 0
iShares Core S&P Small-Cap Exchange Traded Fund 464287804 7,108 65,098 SH   DFND 1 0 0 0
iShares US Basic Materials Exchange Traded Fund 464287838 269 2,157 SH   DFND 1 0 0 0
iShares S&P Small-Cap 600 Value ETF Exchange Traded Fund 464287879 1,815 18,030 SH   DFND 1 0 0 0
iShares Short-Term National Muni Bond Exchange Traded Fund 464288158 1,902 17,681 SH   DFND 1 0 0 0
iShares Global Clean Energy Exchange Traded Fund 464288224 1,200 55,436 SH   DFND 1 0 0 0
iShares MSCI ACWI ex US ETF Exchange Traded Fund 464288240 349 6,299 SH   DFND 1 0 0 0
iShares JPMorgan USD Emerg Markets Bond Exchange Traded Fund 464288281 5,957 54,126 SH   DFND 1 0 0 0
iShares Morningstar Mid-Cap Growth ETF Exchange Traded Fund 464288307 8,804 127,813 SH   DFND 1 0 0 0
iShares National Muni Bond ETF Exchange Traded Fund 464288414 2,432 20,935 SH   DFND 1 0 0 0
iShares International Select Dividend Exchange Traded Fund 464288448 565 18,589 SH   DFND 1 0 0 0
iShares iBoxx $ High Yield Corporate Bd Exchange Traded Fund 464288513 5,213 59,588 SH   DFND 1 0 0 0
iShares Core US REIT ETF Exchange Traded Fund 464288521 256 4,373 SH   DFND 1 0 0 0
iShares MBS Exchange Traded Fund 464288588 1,935 17,889 SH   DFND 1 0 0 0
Ishares Tr Intrm Tr Crp Etf Exchange Traded Fund 464288638 696 11,583 SH   DFND 1 0 0 0
iShares 3-7 Year Treasury Bond ETF Exchange Traded Fund 464288661 11,461 88,043 SH   DFND 1 0 0 0
iShares Short Treasury Bond Exchange Traded Fund 464288679 6,220 56,306 SH   DFND 1 0 0 0
iShares Preferred&Income Securities ETF Exchange Traded Fund 464288687 2,484 64,016 SH   DFND 1 0 0 0
iShares US Home Construction ETF Exchange Traded Fund 464288752 586 8,860 SH   DFND 1 0 0 0
iShares US Aerospace & Defense ETF Exchange Traded Fund 464288760 2,050 19,667 SH   DFND 1 0 0 0
iShares US Medical Devices Exchange Traded Fund 464288810 8,872 141,326 SH   DFND 1 0 0 0
iShares MSCI EAFE Value Exchange Traded Fund 464288877 415 8,163 SH   DFND 1 0 0 0
Schwab US Mid-Cap ETF Exchange Traded Fund 808524508 4,077 53,181 SH   DFND 1 0 0 0
Schwab US Small-Cap ETF Exchange Traded Fund 808524607 3,795 37,915 SH   DFND 1 0 0 0
Schwab Emerging Markets Equity ETF Exchange Traded Fund 808524706 207 6,802 SH   DFND 1 0 0 0
Schwab US Dividend Equity ETF Exchange Traded Fund 808524797 3,581 48,233 SH   DFND 1 0 0 0
Schwab US Aggregate Bond ETF Exchange Traded Fund 808524839 3,058 56,359 SH   DFND 1 0 0 0
Schwab US REIT ETF Exchange Traded Fund 808524847 1,507 32,993 SH   DFND 1 0 0 0
Schwab Short-Term US Treasury ETF Exchange Traded Fund 808524862 2,569 50,194 SH   DFND 1 0 0 0
Schwab US TIPS ETF Exchange Traded Fund 808524870 4,170 66,640 SH   DFND 1 0 0 0
Schwab International Small-Cap Eq ETF Exchange Traded Fund 808524888 545 13,124 SH   DFND 1 0 0 0
Vanguard Dividend Appreciation ETF Exchange Traded Fund 921908844 219 1,425 SH   DFND 1 0 0 0
Vanguard Total International Stock ETF Exchange Traded Fund 921909768 4,689 74,127 SH   DFND 1 0 0 0
Vanguard Mega Cap Growth ETF Exchange Traded Fund 921910816 1,064 4,525 SH   DFND 1 0 0 0
Vanguard S&P 500 Growth ETF Exchange Traded Fund 921932505 798 2,987 SH   DFND 1 0 0 0
Vanguard S&P 500 Value ETF Exchange Traded Fund 921932703 1,331 9,412 SH   DFND 1 0 0 0
Vanguard S&P Small-Cap 600 Value ETF Exchange Traded Fund 921932778 3,636 20,776 SH   DFND 1 0 0 0
Vanguard S&P Mid-Cap 400 Value ETF Exchange Traded Fund 921932844 422 2,653 SH   DFND 1 0 0 0
Vanguard S&P Mid-Cap 400 ETF Exchange Traded Fund 921932885 2,571 14,382 SH   DFND 1 0 0 0
Vanguard Intermediate-Term Bond ETF Exchange Traded Fund 921937819 11,195 125,170 SH   DFND 1 0 0 0
Vanguard Short-Term Bond ETF Exchange Traded Fund 921937827 4,968 60,635 SH   DFND 1 0 0 0
Vanguard High Dividend Yield ETF Exchange Traded Fund 921946406 583 5,640 SH   DFND 1 0 0 0
Vanguard Short-Term Infl-Prot Secs ETF Exchange Traded Fund 922020805 580 11,028 SH   DFND 1 0 0 0
Vanguard Total World Stock ETF Exchange Traded Fund 922042742 4,618 45,353 SH   DFND 1 0 0 0
Vanguard FTSE All-World ex-US ETF Exchange Traded Fund 922042775 482 7,913 SH   DFND 1 0 0 0
Vanguard FTSE Emerging Markets ETF Exchange Traded Fund 922042858 3,920 78,383 SH   DFND 1 0 0 0
Vanguard Tax-Exempt Bond ETF Exchange Traded Fund 922907746 1,088 19,869 SH   DFND 1 0 0 0
Vanguard 500 ETF Exchange Traded Fund 922908363 29,381 74,248 SH   DFND 1 0 0 0
Vanguard Mid-Cap Value ETF Exchange Traded Fund 922908512 3,431 24,575 SH   DFND 1 0 0 0
Vanguard Mid-Cap Growth ETF Exchange Traded Fund 922908538 3,616 15,304 SH   DFND 1 0 0 0
Vanguard REIT ETF Exchange Traded Fund 922908553 791 7,772 SH   DFND 1 0 0 0
Vanguard Small-Cap Growth ETF Exchange Traded Fund 922908595 5,146 18,369 SH   DFND 1 0 0 0
Vanguard Small-Cap Value ETF Exchange Traded Fund 922908611 3,749 22,151 SH   DFND 1 0 0 0
Vanguard Mid-Cap ETF Exchange Traded Fund 922908629 3,543 14,966 SH   DFND 1 0 0 0
Vanguard Large-Cap ETF Exchange Traded Fund 922908637 393 1,955 SH   DFND 1 0 0 0
Vanguard Small-Cap ETF Exchange Traded Fund 922908751 7,056 32,266 SH   DFND 1 0 0 0
Vanguard Total Stock Market ETF Exchange Traded Fund 922908769 10,149 45,706 SH   DFND 1 0 0 0
Invesco QQQ Trust Exchange Traded Fund 46090E103 33,130 92,448 SH   DFND 1 0 0 0
First Trust Capital Strength ETF Exchange Traded Fund 33733E104 43,872 586,368 SH   DFND 1 0 0 0
Invesco S&P MidCap Low Volatility ETF Exchange Traded Fund 46138E198 2,781 52,960 SH   DFND 1 0 0 0
First Trust Dow Jones Internet ETF Exchange Traded Fund 33733E302 1,545 6,547 SH   DFND 1 0 0 0
Alerian MLP ETF Exchange Traded Fund 00162Q452 1,133 34,007 SH   DFND 1 0 0 0
First Trust Water ETF Exchange Traded Fund 33733B100 467 5,486 SH   DFND 1 0 0 0
First Trust Health Care AlphaDEX ETF Exchange Traded Fund 33734X143 2,559 21,497 SH   DFND 1 0 0 0
First Trust Rising Dividend Achiev ETF Exchange Traded Fund 33738R506 18,497 389,667 SH   DFND 1 0 0 0
FlexShares Mstar Glbl Upstrm Nat Res ETF Exchange Traded Fund 33939L407 217 5,931 SH   DFND 1 0 0 0
Global X Lithium & Battery Tech ETF Exchange Traded Fund 37954Y855 225 2,744 SH   DFND 1 0 0 0
Invesco Water Resources ETF Exchange Traded Fund 46137V142 217 3,972 SH   DFND 1 0 0 0
Invesco S&P 500 Equal Weight Tech ETF Exchange Traded Fund 46137V282 1,821 6,318 SH   DFND 1 0 0 0
Invesco S&P 500 Eql Wt Cnsm Stapl ETF Exchange Traded Fund 46137V373 787 5,108 SH   DFND 1 0 0 0
Invesco DB Commodity Index Tracking Fund Exchange Traded Fund 46138B103 653 32,342 SH   DFND 1 0 0 0
Invesco S&P 500 Low Volatility ETF Exchange Traded Fund 46138E354 7,882 129,547 SH   DFND 1 0 0 0
Invesco S&P 500 High Div Low Vol ETF Exchange Traded Fund 46138E362 1,794 42,381 SH   DFND 1 0 0 0
Invesco Preferred ETF Exchange Traded Fund 46138E511 1,147 76,296 SH   DFND 1 0 0 0
Invesco National AMT-Free Muni Bd ETF Exchange Traded Fund 46138E537 1,934 71,999 SH   DFND 1 0 0 0
Invesco Fundamental Hi Yld Corp Bd ETF Exchange Traded Fund 46138E719 1,609 82,623 SH   DFND 1 0 0 0
Invesco DWA Developed Markets Mom ETF Exchange Traded Fund 46138E875 1,686 44,412 SH   DFND 1 0 0 0
Invesco Senior Loan ETF Exchange Traded Fund 46138G508 4,505 203,773 SH   DFND 1 0 0 0
Invesco DB Oil Fund Exchange Traded Fund 46140H403 1,632 118,955 SH   DFND 1 0 0 0
iShares S&P GSCI Commodity-Indexed Trust Exchange Traded Fund 46428R107 1,557 92,356 SH   DFND 1 0 0 0
iShares US Treasury Bond Exchange Traded Fund 46429B267 1,231 46,387 SH   DFND 1 0 0 0
Ishares Core High Dividend Etf Exchange Traded Fund 46429B663 894 9,486 SH   DFND 1 0 0 0
iShares Edge MSCI Min Vol USA Exchange Traded Fund 46429B697 1,654 22,506 SH   DFND 1 0 0 0
iShares 0-5 Year TIPS Bond ETF Exchange Traded Fund 46429B747 6,158 58,301 SH   DFND 1 0 0 0
iShares MSCI USA Quality Factor ETF Exchange Traded Fund 46432F339 558 4,234 SH   DFND 1 0 0 0
iShares MSCI USA Momentum Factor ETF Exchange Traded Fund 46432F396 271 1,546 SH   DFND 1 0 0 0
iShares Core MSCI EAFE Exchange Traded Fund 46432F842 3,193 43,009 SH   DFND 1 0 0 0
iShares Core MSCI Emerging Markets ETF Exchange Traded Fund 46434G103 1,077 17,434 SH   DFND 1 0 0 0
iShares MSCI Intl Quality Factor ETF Exchange Traded Fund 46434V456 12,882 340,073 SH   DFND 1 0 0 0
SPDR S&P 500 ETF Exchange Traded Fund 78462F103 19,632 45,631 SH   DFND 1 0 0 0
SPDR Gold Shares Exchange Traded Fund 78463V107 10,144 61,769 SH   DFND 1 0 0 0
SPDR Dow Jones Global Real Estate ETF Exchange Traded Fund 78463X749 203 3,970 SH   DFND 1 0 0 0
SPDR Dow Jones International RelEst ETF Exchange Traded Fund 78463X863 1,328 37,400 SH   DFND 1 0 0 0
SPDR Portfolio Interm Term Corp Bd ETF Exchange Traded Fund 78464A375 2,322 63,580 SH   DFND 1 0 0 0
SPDR Portfolio S&P 500 Value ETF Exchange Traded Fund 78464A508 769 19,727 SH   DFND 1 0 0 0
SPDR S&P Software & Services ETF Exchange Traded Fund 78464A599 215 1,250 SH   DFND 1 0 0 0
SPDR Portfolio TIPS ETF Exchange Traded Fund 78464A656 2,955 95,016 SH   DFND 1 0 0 0
SPDR Portfolio Long Term Treasury ETF Exchange Traded Fund 78464A664 262 6,349 SH   DFND 1 0 0 0
SPDR S&P Regional Banking ETF Exchange Traded Fund 78464A698 347 5,115 SH   DFND 1 0 0 0
SPDR S&P Dividend ETF Exchange Traded Fund 78464A763 1,004 8,540 SH   DFND 1 0 0 0
SPDR Dow Jones Industrial Average ETF Exchange Traded Fund 78467X109 2,306 6,801 SH   DFND 1 0 0 0
SPDR S&P MidCap 400 ETF Exchange Traded Fund 78467Y107 6,341 13,150 SH   DFND 1 0 0 0
SPDR Blmbg BarclaysST HY Bd ETF Exchange Traded Fund 78468R408 2,054 74,979 SH   DFND 1 0 0 0
SPDR Blmbg Barclays High Yield Bd ETF Exchange Traded Fund 78468R622 1,605 14,676 SH   DFND 1 0 0 0
Materials Select Sector SPDR ETF Exchange Traded Fund 81369Y100 430 5,430 SH   DFND 1 0 0 0
Select Sector Spdr Trust The Health Care Select Sector Spdr Fund Exchange Traded Fund 81369Y209 11,569 90,877 SH   DFND 1 0 0 0
Consumer Staples Select Sector SPDR ETF Exchange Traded Fund 81369Y308 7,992 116,093 SH   DFND 1 0 0 0
Select Sector Spdr Fund Shs Ben Consumer Discretionary Exchange Traded Fund 81369Y407 1,440 8,023 SH   DFND 1 0 0 0
Select Sector Spdr Trust Shs Ben Int Energy Exchange Traded Fund 81369Y506 6,478 124,353 SH   DFND 1 0 0 0
Financial Select Sector SPDR ETF Exchange Traded Fund 81369Y605 14,759 393,253 SH   DFND 1 0 0 0
Industrial Select Sector SPDR ETF Exchange Traded Fund 81369Y704 5,352 54,702 SH   DFND 1 0 0 0
Technology Select Sector SPDR ETF Exchange Traded Fund 81369Y803 6,169 41,312 SH   DFND 1 0 0 0
VanEck Semiconductor ETF Exchange Traded Fund 92189F676 924 3,605 SH   DFND 1 0 0 0
VanEck Agribusiness ETF Exchange Traded Fund 92189F700 228 2,501 SH   DFND 1 0 0 0
Vanguard Total International Bond ETF Exchange Traded Fund 92203J407 1,698 29,817 SH   DFND 1 0 0 0
Vanguard Consumer Discretionary ETF Exchange Traded Fund 92204A108 3,419 10,976 SH   DFND 1 0 0 0
Vanguard Energy ETF Exchange Traded Fund 92204A306 2,569 34,331 SH   DFND 1 0 0 0
Vanguard Industrials ETF Exchange Traded Fund 92204A603 1,092 5,793 SH   DFND 1 0 0 0
Vanguard Information Technology ETF Exchange Traded Fund 92204A702 6,048 15,037 SH   DFND 1 0 0 0
Vanguard Materials ETF Exchange Traded Fund 92204A801 1,080 6,206 SH   DFND 1 0 0 0
Vanguard Utilities ETF Exchange Traded Fund 92204A876 2,094 14,925 SH   DFND 1 0 0 0
Vanguard Telecommunication Services ETF Exchange Traded Fund 92204A884 596 4,221 SH   DFND 1 0 0 0
Vanguard Short-Term Corporate Bond ETF Exchange Traded Fund 92206C409 21,462 260,431 SH   DFND 1 0 0 0
Vanguard Russell 2000 Growth ETF Exchange Traded Fund 92206C623 5,856 27,337 SH   DFND 1 0 0 0
Vanguard Russell 2000 Value ETF Exchange Traded Fund 92206C649 1,539 10,904 SH   DFND 1 0 0 0
Vanguard Russell 2000 ETF Exchange Traded Fund 92206C664 1,183 13,344 SH   DFND 1 0 0 0
Vanguard Russell 1000 Growth ETF Exchange Traded Fund 92206C680 9,069 128,467 SH   DFND 1 0 0 0
Vanguard Russell 1000 Value ETF Exchange Traded Fund 92206C714 8,828 127,860 SH   DFND 1 0 0 0
WisdomTree US LargeCap Dividend ETF Exchange Traded Fund 97717W307 338 2,836 SH   DFND 1 0 0 0
WisdomTree EmMkts ex-Stt-Ownd EntrprsETF Exchange Traded Fund 97717X578 696 18,646 SH   DFND 1 0 0 0