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 Core US Aggregate Bond ETF Exchange Traded Fund 464287226   10,579,867 108,024 SH   DFND 1 0 0 0
Alerian MLP ETF Exchange Traded Fund 00162Q452   10,074,145 212,266 SH   DFND 1 0 0 0
VanEck Fallen Angel HiYld Bd ETF Exchange Traded Fund 92189F437   1,602,050 55,205 SH   DFND 1 0 0 0
SPDR Blmbg 1-3 Mth T-Bill ETF Exchange Traded Fund 78468R663   5,207,355 56,725 SH   DFND 1 0 0 0
Vanguard Interm-Term Bond ETF Exchange Traded Fund 921937819   1,631,274 21,635 SH   DFND 1 0 0 0
BNY Mellon Core Bond ETF Exchange Traded Fund 09661T602   262,065 6,259 SH   DFND 1 0 0 0
Invesco Senior Loan ETF Exchange Traded Fund 46138G508   7,159,036 338,489 SH   DFND 1 0 0 0
Vanguard Long-Term Bond ETF Exchange Traded Fund 921937793   226,475 3,132 SH   DFND 1 0 0 0
Vanguard Total Bond Market ETF Exchange Traded Fund 921937835   20,976,498 288,814 SH   DFND 1 0 0 0
Vanguard Total International Bond ETF Exchange Traded Fund 92203J407   466,322 9,480 SH   DFND 1 0 0 0
Global X Robotics & Artfcl Intllgnc ETF Exchange Traded Fund 37954Y715   952,717 29,951 SH   DFND 1 0 0 0
Vanguard Short-Term Bond ETF Exchange Traded Fund 921937827   3,172,500 41,379 SH   DFND 1 0 0 0
SPDR Blmbg Intl Trs Bd ETF Exchange Traded Fund 78464A516   552,642 24,849 SH   DFND 1 0 0 0
Pacer US Cash Cows 100 ETF Exchange Traded Fund 69374H881   2,120,318 36,488 SH   DFND 1 0 0 0
DIMENSIONAL INTERNATIONAL VAL ETF Exchange Traded Fund 25434V807   1,372,209 37,339 SH   DFND 1 0 0 0
iShares Core Dividend Growth ETF Exchange Traded Fund 46434V621   23,504,136 404,825 SH   DFND 1 0 0 0
SPDR Dow Jones Industrial Avrg ETF Tr Exchange Traded Fund 78467X109   1,316,474 3,302 SH   DFND 1 0 0 0
iShares Select Dividend ETF Exchange Traded Fund 464287168   3,282,132 26,645 SH   DFND 1 0 0 0
Invesco Dorsey Wright SmallCap Momt ETF Exchange Traded Fund 46138E842   552,461 6,077 SH   DFND 1 0 0 0
SPDR S&P International Dividend ETF Exchange Traded Fund 78463X772   351,747 10,007 SH   DFND 1 0 0 0
iShares MSCI Emerging Markets ETF Exchange Traded Fund 464287234   2,734,075 66,555 SH   DFND 1 0 0 0
iShares MSCI EAFE ETF Exchange Traded Fund 464287465   1,053,728 13,195 SH   DFND 1 0 0 0
iShares MSCI EAFE Growth ETF Exchange Traded Fund 464288885   377,589 3,638 SH   DFND 1 0 0 0
iShares MSCI EAFE Value ETF Exchange Traded Fund 464288877   400,820 7,368 SH   DFND 1 0 0 0
iShares JP Morgan USD Em Mkts Bd ETF Exchange Traded Fund 464288281   2,603,658 29,036 SH   DFND 1 0 0 0
VanEck JPMorgan EMLcl Ccy Bd ETF Exchange Traded Fund 92189H300   1,445,282 58,967 SH   DFND 1 0 0 0
iShares MSCI Emerging Mkts ex China ETF Exchange Traded Fund 46434G764   263,959 4,585 SH   DFND 1 0 0 0
Invesco S&P 100 Equal Weight ETF Exchange Traded Fund 46137V449   1,475,920 15,554 SH   DFND 1 0 0 0
iShares Fallen Angels USD Bond ETF Exchange Traded Fund 46435G474   1,323,258 49,265 SH   DFND 1 0 0 0
Fidelity MSCI Communication ServicesETF Exchange Traded Fund 316092873   821,953 16,585 SH   DFND 1 0 0 0
Fidelity MSCI Consumer Discret ETF Exchange Traded Fund 316092204   330,168 4,003 SH   DFND 1 0 0 0
First Trust Dow Jones Internet ETF Exchange Traded Fund 33733E302   657,724 3,207 SH   DFND 1 0 0 0
Fidelity High Dividend ETF Exchange Traded Fund 316092840   513,680 11,337 SH   DFND 1 0 0 0
Fidelity MSCI Energy ETF Exchange Traded Fund 316092402   733,389 28,349 SH   DFND 1 0 0 0
Fidelity MSCI Health Care ETF Exchange Traded Fund 316092600   3,289,447 47,147 SH   DFND 1 0 0 0
Fidelity MSCI Industrials ETF Exchange Traded Fund 316092709   1,666,567 24,577 SH   DFND 1 0 0 0
First Trust Water ETF Exchange Traded Fund 33733B100   308,138 3,018 SH   DFND 1 0 0 0
First Trust TCWOpportunistic Fxd Inc ETF Exchange Traded Fund 33740F805   4,476,456 102,671 SH   DFND 1 0 0 0
Fidelity Enhanced Mid Cap ETF Exchange Traded Fund 31609A503   2,382,754 78,021 SH   DFND 1 0 0 0
Schwab Fundamental Intl Lg Co ETF Exchange Traded Fund 808524755   982,587 27,593 SH   DFND 1 0 0 0
Schwab Fundamental US Large Company ETF Exchange Traded Fund 808524771   1,712,380 25,410 SH   DFND 1 0 0 0
Fidelity MSCI Consumer Staples ETF Exchange Traded Fund 316092303   950,982 19,987 SH   DFND 1 0 0 0
First Trust Capital Strength ETF Exchange Traded Fund 33733E104   46,621,180 544,322 SH   DFND 1 0 0 0
Fidelity MSCI Information Tech ETF Exchange Traded Fund 316092808   324,459 2,082 SH   DFND 1 0 0 0
First Trust Dorsey Wright Focus 5 ETF Exchange Traded Fund 33738R605   3,840,248 67,102 SH   DFND 1 0 0 0
Goldman Sachs Access Treasury 0-1 Yr ETF Exchange Traded Fund 381430529   3,892,034 38,577 SH   DFND 1 0 0 0
SPDR Gold Shares Exchange Traded Fund 78463V107   8,348,608 40,583 SH   DFND 1 0 0 0
iShares US Treasury Bond ETF Exchange Traded Fund 46429B267   3,633,819 159,588 SH   DFND 1 0 0 0
Invesco S&P MidCap 400 GARP ETF Exchange Traded Fund 46137V225   973,547 8,094 SH   DFND 1 0 0 0
iShares S&P GSCI Commodity-Indexed Trust Exchange Traded Fund 46428R107   1,262,583 57,234 SH   DFND 1 0 0 0
Goldman Sachs ActiveBeta Intl Eq ETF Exchange Traded Fund 381430107   502,660 14,660 SH   DFND 1 0 0 0
Goldman Sachs ActiveBeta US LgCp Eq ETF Exchange Traded Fund 381430503   301,303 2,903 SH   DFND 1 0 0 0
Goldman Sachs ActiveBeta US SmCp Eq ETF Exchange Traded Fund 381430602   592,048 9,032 SH   DFND 1 0 0 0
iShares Core High Dividend ETF Exchange Traded Fund 46429B663   2,042,328 18,532 SH   DFND 1 0 0 0
iShares iBoxx $ High Yield Corp Bd ETF Exchange Traded Fund 464288513   3,468,917 44,628 SH   DFND 1 0 0 0
FlexShares HY Val-Scrd Bd Exchange Traded Fund 33939L662   2,843,415 69,166 SH   DFND 1 0 0 0
Xtrackers USD High Yield Corp Bd ETF Exchange Traded Fund 233051432   646,575 18,107 SH   DFND 1 0 0 0
iShares Core International Aggt Bd ETF Exchange Traded Fund 46435G672   304,945 6,105 SH   DFND 1 0 0 0
iShares Gold Trust Exchange Traded Fund 464285204   10,475,830 249,366 SH   DFND 1 0 0 0
iShares Cohen & Steers REIT ETF Exchange Traded Fund 464287564   522,301 9,052 SH   DFND 1 0 0 0
Invesco S&P International Dev Qual ETF Exchange Traded Fund 46138E214   268,240 8,746 SH   DFND 1 0 0 0
Invesco S&P Intl Dev Low Vol ETF Exchange Traded Fund 46138E230   212,322 7,564 SH   DFND 1 0 0 0
iShares 7-10 Year Treasury Bond ETF Exchange Traded Fund 464287440   2,520,206 26,624 SH   DFND 1 0 0 0
iShares Core MSCI EAFE ETF Exchange Traded Fund 46432F842   3,880,272 52,281 SH   DFND 1 0 0 0
iShares 3-7 Year Treasury Bond ETF Exchange Traded Fund 464288661   4,233,667 36,557 SH   DFND 1 0 0 0
iShares Core MSCI Emerging Markets ETF Exchange Traded Fund 46434G103   1,258,023 24,381 SH   DFND 1 0 0 0
iShares US Oil & Gas Explor & Prod ETF Exchange Traded Fund 464288851   302,512 2,828 SH   DFND 1 0 0 0
iShares North American Natural Res ETF Exchange Traded Fund 464287374   529,623 11,772 SH   DFND 1 0 0 0
iShares 5-10 Year invmt Grd Corp Bd ETF Exchange Traded Fund 464288638   2,310,648 44,780 SH   DFND 1 0 0 0
Invesco AI and Next Gen Software ETF Exchange Traded Fund 46137V639   426,840 9,435 SH   DFND 1 0 0 0
iShares International Dividend Gr ETF Exchange Traded Fund 46435G524   6,780,593 100,662 SH   DFND 1 0 0 0
iShares Expanded Tech-Software Sect ETF Exchange Traded Fund 464287515   5,497,784 64,475 SH   DFND 1 0 0 0
iShares US Medical Devices ETF Exchange Traded Fund 464288810   6,637,396 113,286 SH   DFND 1 0 0 0
iShares Core S&P Mid-Cap ETF Exchange Traded Fund 464287507   5,658,321 93,157 SH   DFND 1 0 0 0
iShares S&P Mid-Cap 400 Growth ETF Exchange Traded Fund 464287606   2,614,587 28,653 SH   DFND 1 0 0 0
iShares Core S&P Small-Cap ETF Exchange Traded Fund 464287804   8,237,709 74,536 SH   DFND 1 0 0 0
iShares S&P Small-Cap 600 Value ETF Exchange Traded Fund 464287879   681,505 6,632 SH   DFND 1 0 0 0
iShares Morningstar Mid-Cap Growth ETF Exchange Traded Fund 464288307   686,727 9,716 SH   DFND 1 0 0 0
iShares Global 100 ETF Exchange Traded Fund 464287572   325,006 3,635 SH   DFND 1 0 0 0
iShares MSCI Intl Quality Factor ETF Exchange Traded Fund 46434V456   1,474,599 37,181 SH   DFND 1 0 0 0
iShares US Aerospace & Defense ETF Exchange Traded Fund 464288760   4,245,376 32,179 SH   DFND 1 0 0 0
iShares Core S&P Total US Stock Mkt ETF Exchange Traded Fund 464287150   8,378,428 72,667 SH   DFND 1 0 0 0
iShares Core S&P US Growth ETF Exchange Traded Fund 464287671   1,367,245 11,665 SH   DFND 1 0 0 0
iShares Core S&P US Value ETF Exchange Traded Fund 464287663   457,174 5,055 SH   DFND 1 0 0 0
iShares S&P 500 Value ETF Exchange Traded Fund 464287408   5,484,096 29,357 SH   DFND 1 0 0 0
Vanguard S&P Mid-Cap 400 ETF Exchange Traded Fund 921932885   739,612 7,180 SH   DFND 1 0 0 0
Vanguard S&P Mid-Cap 400 Value ETF Exchange Traded Fund 921932844   258,871 2,851 SH   DFND 1 0 0 0
iShares Core S&P 500 ETF Exchange Traded Fund 464287200   34,392,962 65,420 SH   DFND 1 0 0 0
iShares S&P 500 Growth ETF Exchange Traded Fund 464287309   9,264,833 109,721 SH   DFND 1 0 0 0
iShares Russell 1000 ETF Exchange Traded Fund 464287622   961,445 3,338 SH   DFND 1 0 0 0
iShares Russell 1000 Value ETF Exchange Traded Fund 464287598   1,018,125 5,685 SH   DFND 1 0 0 0
iShares Russell 1000 Growth ETF Exchange Traded Fund 464287614   21,478,944 63,727 SH   DFND 1 0 0 0
iShares Russell 2000 ETF Exchange Traded Fund 464287655   8,047,228 38,266 SH   DFND 1 0 0 0
iShares Russell 2000 Value ETF Exchange Traded Fund 464287630   1,913,017 12,046 SH   DFND 1 0 0 0
iShares Russell 2000 Growth ETF Exchange Traded Fund 464287648   2,544,141 9,395 SH   DFND 1 0 0 0
iShares Russell Mid-Cap Growth ETF Exchange Traded Fund 464287481   5,344,396 46,824 SH   DFND 1 0 0 0
iShares Russell Mid-Cap ETF Exchange Traded Fund 464287499   7,128,323 84,771 SH   DFND 1 0 0 0
iShares Russell Mid-Cap Value ETF Exchange Traded Fund 464287473   12,994,035 103,679 SH   DFND 1 0 0 0
iShares Core MSCI Total Intl Stk ETF Exchange Traded Fund 46432F834   971,416 14,315 SH   DFND 1 0 0 0
iShares US Energy ETF Exchange Traded Fund 464287796   361,905 7,326 SH   DFND 1 0 0 0
iShares US Financial Services ETF Exchange Traded Fund 464287770   1,799,648 27,144 SH   DFND 1 0 0 0
iShares US Industrials ETF Exchange Traded Fund 464287754   1,123,974 8,941 SH   DFND 1 0 0 0
iShares Morningstar Multi-Asset Inc ETF Exchange Traded Fund 46432F875   289,763 14,539 SH   DFND 1 0 0 0
iShares US Basic Materials ETF Exchange Traded Fund 464287838   309,495 2,095 SH   DFND 1 0 0 0
iShares US Technology ETF Exchange Traded Fund 464287721   5,788,424 42,859 SH   DFND 1 0 0 0
JPMorgan US Momentum Factor ETF Exchange Traded Fund 46641Q779   259,660 4,929 SH   DFND 1 0 0 0
SPDR Blmbg High Yield Bd ETF Exchange Traded Fund 78468R622   1,951,791 20,502 SH   DFND 1 0 0 0
JPMorgan Equity Focus ETF Exchange Traded Fund 46654Q781   4,766,538 79,748 SH   DFND 1 0 0 0
JPMorgan Divers Ret US Mid Cp Eq ETF Exchange Traded Fund 46641Q886   464,963 4,690 SH   DFND 1 0 0 0
JPMorgan Divers Ret US Small Cap Eq ETF Exchange Traded Fund 46641Q845   1,081,230 23,921 SH   DFND 1 0 0 0
JPMorgan US Quality Factor ETF Exchange Traded Fund 46641Q761   2,418,592 45,746 SH   DFND 1 0 0 0
JPMorgan US Value Factor ETF Exchange Traded Fund 46641Q753   1,727,397 41,504 SH   DFND 1 0 0 0
Invesco KBW Bank ETF Exchange Traded Fund 46138E628   215,875 4,023 SH   DFND 1 0 0 0
SPDR S&P Insurance ETF Exchange Traded Fund 78464A789   387,662 7,445 SH   DFND 1 0 0 0
SPDR S&P Regional Banking ETF Exchange Traded Fund 78464A698   431,755 8,587 SH   DFND 1 0 0 0
iShares iBoxx $ Invmt Grade Corp Bd ETF Exchange Traded Fund 464287242   3,391,078 31,134 SH   DFND 1 0 0 0
iShares MBS ETF Exchange Traded Fund 464288588   1,260,055 13,634 SH   DFND 1 0 0 0
SPDR S&P MIDCAP 400 ETF Trust Exchange Traded Fund 78467Y107   9,819,960 17,617 SH   DFND 1 0 0 0
SPDR S&P 400 Mid Cap Value ETF Exchange Traded Fund 78464A839   322,696 4,246 SH   DFND 1 0 0 0
Vanguard Mega Cap ETF Exchange Traded Fund 921910873   534,449 2,860 SH   DFND 1 0 0 0
Vanguard Mega Cap Growth ETF Exchange Traded Fund 921910816   1,723,100 6,012 SH   DFND 1 0 0 0
VanEck Morningstar Wide Moat ETF Exchange Traded Fund 92189F643   6,621,225 73,651 SH   DFND 1 0 0 0
iShares National Muni Bond ETF Exchange Traded Fund 464288414   1,959,379 18,210 SH   DFND 1 0 0 0
ProShares S&P 500 Dividend Aristocrats Exchange Traded Fund 74348A467   2,345,715 23,131 SH   DFND 1 0 0 0
SPDR Russell 1000 Low Vol Foc ETF Exchange Traded Fund 78468R754   960,017 7,731 SH   DFND 1 0 0 0
SPDR Russell 1000 Yield Focus ETF Exchange Traded Fund 78468R770   798,524 7,349 SH   DFND 1 0 0 0
Global X US Infrastructure Dev ETF Exchange Traded Fund 37954Y673   2,181,628 54,801 SH   DFND 1 0 0 0
iShares Preferred&Income Securities ETF Exchange Traded Fund 464288687   2,493,829 77,376 SH   DFND 1 0 0 0
Global X US Preferred ETF Exchange Traded Fund 37954Y657   1,553,994 77,083 SH   DFND 1 0 0 0
Invesco Preferred ETF Exchange Traded Fund 46138E511   1,305,018 109,850 SH   DFND 1 0 0 0
Invesco Fundamental Hi Yld Corp Bd ETF Exchange Traded Fund 46138E719   1,099,127 60,625 SH   DFND 1 0 0 0
Invesco NASDAQ Internet ETF Exchange Traded Fund 46137V530   207,428 5,200 SH   DFND 1 0 0 0
SPDR ICE Preferred Securities ETF Exchange Traded Fund 78464A292   434,411 12,458 SH   DFND 1 0 0 0
Invesco QQQ Trust Exchange Traded Fund 46090E103   45,922,187 103,293 SH   DFND 1 0 0 0
iShares MSCI USA Quality Factor ETF Exchange Traded Fund 46432F339   312,594 1,902 SH   DFND 1 0 0 0
SPDR MSCI USA StrategicFactors ETF Exchange Traded Fund 78468R812   1,673,071 11,489 SH   DFND 1 0 0 0
Global X NASDAQ 100 Covered Call ETF Exchange Traded Fund 37954Y483   3,162,283 176,566 SH   DFND 1 0 0 0
First Trust Rising Dividend Achiev ETF Exchange Traded Fund 33738R506   53,560,813 953,549 SH   DFND 1 0 0 0
Invesco S&P 500 Eql Wt Cnsm Stapl ETF Exchange Traded Fund 46137V373   364,470 11,068 SH   DFND 1 0 0 0
Invesco S&P 500 Equal Weight Tech ETF Exchange Traded Fund 46137V282   5,720,205 162,552 SH   DFND 1 0 0 0
Xtrackers Municipal Infras Rev Bd ETF Exchange Traded Fund 233051705   212,645 8,287 SH   DFND 1 0 0 0
Invesco S&P 500 Revenue ETF Exchange Traded Fund 46138G698   312,871 3,338 SH   DFND 1 0 0 0
Schwab US Small-Cap ETF Exchange Traded Fund 808524607   4,351,288 88,369 SH   DFND 1 0 0 0
Schwab International Small-Cap Eq ETF Exchange Traded Fund 808524888   630,917 17,624 SH   DFND 1 0 0 0
Schwab US Dividend Equity ETF Exchange Traded Fund 808524797   4,807,645 59,626 SH   DFND 1 0 0 0
Schwab Emerging Markets Equity ETF Exchange Traded Fund 808524706   310,929 12,314 SH   DFND 1 0 0 0
Schwab International Equity ETF Exchange Traded Fund 808524805   1,158,192 29,682 SH   DFND 1 0 0 0
Schwab US Large-Cap Growth ETF Exchange Traded Fund 808524300   1,106,150 11,930 SH   DFND 1 0 0 0
Schwab US REIT ETF Exchange Traded Fund 808524847   779,547 38,402 SH   DFND 1 0 0 0
Schwab US Mid-Cap ETF Exchange Traded Fund 808524508   11,876,636 145,851 SH   DFND 1 0 0 0
Schwab Short-Term US Treasury ETF Exchange Traded Fund 808524862   660,044 13,691 SH   DFND 1 0 0 0
Schwab US TIPS ETF Exchange Traded Fund 808524870   1,853,350 35,532 SH   DFND 1 0 0 0
Schwab US Large-Cap ETF Exchange Traded Fund 808524201   2,092,540 33,718 SH   DFND 1 0 0 0
Schwab US Aggregate Bond ETF Exchange Traded Fund 808524839   6,409,962 139,347 SH   DFND 1 0 0 0
Global X SuperDividend ETF Exchange Traded Fund 37960A669   1,294,021 59,770 SH   DFND 1 0 0 0
SPDR S&P Dividend ETF Exchange Traded Fund 78464A763   1,528,290 11,645 SH   DFND 1 0 0 0
SPDR Nuveen Blmbg ST MunBd ETF Exchange Traded Fund 78468R739   268,938 5,669 SH   DFND 1 0 0 0
iShares Short Treasury Bond ETF Exchange Traded Fund 464288679   5,097,278 46,113 SH   DFND 1 0 0 0
iShares 1-3 Year Treasury Bond ETF Exchange Traded Fund 464287457   1,774,688 21,701 SH   DFND 1 0 0 0
SPDR Blmbg ST HY Bd ETF Exchange Traded Fund 78468R408   4,420,879 175,293 SH   DFND 1 0 0 0
iShares Silver Trust Exchange Traded Fund 46428Q109   6,398,684 281,261 SH   DFND 1 0 0 0
VanEck Semiconductor ETF Exchange Traded Fund 92189F676   10,255,546 45,583 SH   DFND 1 0 0 0
SPDR Portfolio Emerging Markets ETF Exchange Traded Fund 78463X509   1,249,135 34,516 SH   DFND 1 0 0 0
Invesco S&P 500 GARP ETF Exchange Traded Fund 46137V431   4,663,198 43,790 SH   DFND 1 0 0 0
Invesco S&P 500 High Div Low Vol ETF Exchange Traded Fund 46138E362   747,075 16,826 SH   DFND 1 0 0 0
SPDR Portfolio Interm Term Corp Bd ETF Exchange Traded Fund 78464A375   816,597 24,980 SH   DFND 1 0 0 0
SPDR Portfolio TIPS ETF Exchange Traded Fund 78464A656   413,225 16,129 SH   DFND 1 0 0 0
SPDR Portfolio Long Term Corp Bd ETF Exchange Traded Fund 78464A367   1,737,957 74,783 SH   DFND 1 0 0 0
SPDR Portfolio S&P 500 ETF Exchange Traded Fund 78464A854   1,166,609 18,960 SH   DFND 1 0 0 0
Invesco S&P 500 Low Volatility ETF Exchange Traded Fund 46138E354   1,572,551 23,874 SH   DFND 1 0 0 0
SPDR S&P 500 ETF Trust Exchange Traded Fund 78462F103   25,777,990 49,133 SH   DFND 1 0 0 0
SPDR Portfolio S&P 500 Growth ETF Exchange Traded Fund 78464A409   497,713 6,804 SH   DFND 1 0 0 0
SPDR Portfolio S&P 500 Value ETF Exchange Traded Fund 78464A508   2,959,517 59,073 SH   DFND 1 0 0 0
iShares 0-5 Year TIPS Bond ETF Exchange Traded Fund 46429B747   2,603,575 26,185 SH   DFND 1 0 0 0
iShares Short-Term National Muni Bd ETF Exchange Traded Fund 464288158   2,322,702 22,178 SH   DFND 1 0 0 0
Invesco Solar ETF Exchange Traded Fund 46138G706   298,490 6,579 SH   DFND 1 0 0 0
SPDR Nuveen Blmbg Muni Bd ETF Exchange Traded Fund 78468R721   2,358,860 50,750 SH   DFND 1 0 0 0
iShares TIPS Bond ETF Exchange Traded Fund 464287176   1,715,516 15,972 SH   DFND 1 0 0 0
iShares 20 Year Treasury Bond ETF Exchange Traded Fund 464287432   918,313 9,706 SH   DFND 1 0 0 0
iShares MSCI World ETF Exchange Traded Fund 464286392   3,607,100 24,892 SH   DFND 1 0 0 0
iShares Broad USD High Yield Corp Bd ETF Exchange Traded Fund 46435U853   2,848,056 77,837 SH   DFND 1 0 0 0
iShares Broad USD Invm Grd Corp Bd ETF Exchange Traded Fund 464288620   1,240,159 24,427 SH   DFND 1 0 0 0
iShares MSCI USA Min Vol Factor ETF Exchange Traded Fund 46429B697   486,060 5,816 SH   DFND 1 0 0 0
Vanguard Materials ETF Exchange Traded Fund 92204A801   367,770 1,799 SH   DFND 1 0 0 0
Vanguard Small-Cap ETF Exchange Traded Fund 922908751   4,683,980 20,491 SH   DFND 1 0 0 0
Vanguard Small-Cap Growth ETF Exchange Traded Fund 922908595   3,669,565 14,075 SH   DFND 1 0 0 0
Vanguard Small-Cap Value ETF Exchange Traded Fund 922908611   7,852,096 40,922 SH   DFND 1 0 0 0
Vanguard Interm-Term Corp Bd ETF Exchange Traded Fund 92206C870   1,236,232 15,355 SH   DFND 1 0 0 0
Vanguard Consumer Discretionary ETF Exchange Traded Fund 92204A108   1,727,650 5,438 SH   DFND 1 0 0 0
Vanguard Short-Term Corporate Bond ETF Exchange Traded Fund 92206C409   14,316,188 185,179 SH   DFND 1 0 0 0
Vanguard Energy ETF Exchange Traded Fund 92204A306   1,943,366 14,756 SH   DFND 1 0 0 0
Vanguard FTSE Developed Markets ETF Exchange Traded Fund 921943858   8,794,777 175,300 SH   DFND 1 0 0 0
Vanguard Financials ETF Exchange Traded Fund 92204A405   926,118 9,045 SH   DFND 1 0 0 0
Vanguard Information Technology ETF Exchange Traded Fund 92204A702   7,782,877 14,844 SH   DFND 1 0 0 0
Vanguard Health Care ETF Exchange Traded Fund 92204A504   3,687,174 13,630 SH   DFND 1 0 0 0
Vanguard S&P Small-Cap 600 Value ETF Exchange Traded Fund 921932778   4,897,673 55,391 SH   DFND 1 0 0 0
Vanguard Industrials ETF Exchange Traded Fund 92204A603   488,448 2,001 SH   DFND 1 0 0 0
Vanguard Mortgage-Backed Secs ETF Exchange Traded Fund 92206C771   449,487 9,855 SH   DFND 1 0 0 0
Vanguard Real Estate ETF Exchange Traded Fund 922908553   995,408 11,511 SH   DFND 1 0 0 0
Vanguard Mid-Cap ETF Exchange Traded Fund 922908629   3,671,857 14,696 SH   DFND 1 0 0 0
Vanguard Mid-Cap Value ETF Exchange Traded Fund 922908512   5,153,013 33,052 SH   DFND 1 0 0 0
Vanguard Russell 1000 Growth ETF Exchange Traded Fund 92206C680   11,536,020 133,103 SH   DFND 1 0 0 0
Vanguard Russell 1000 Value ETF Exchange Traded Fund 92206C714   10,845,485 137,914 SH   DFND 1 0 0 0
Vanguard S&P 500 ETF Exchange Traded Fund 922908363   44,196,389 91,942 SH   DFND 1 0 0 0
Vanguard S&P 500 Growth ETF Exchange Traded Fund 921932505   11,430,739 37,514 SH   DFND 1 0 0 0
Vanguard S&P 500 Value ETF Exchange Traded Fund 921932703   1,363,451 7,555 SH   DFND 1 0 0 0
Vanguard Mid-Cap Growth ETF Exchange Traded Fund 922908538   4,193,216 17,784 SH   DFND 1 0 0 0
Vanguard Communication Services ETF Exchange Traded Fund 92204A884   616,734 4,700 SH   DFND 1 0 0 0
Vanguard Utilities ETF Exchange Traded Fund 92204A876   2,393,491 16,787 SH   DFND 1 0 0 0
Vanguard Total World Stock ETF Exchange Traded Fund 922042742   6,159,475 55,742 SH   DFND 1 0 0 0
Vanguard Tax-Exempt Bond ETF Exchange Traded Fund 922907746   2,362,970 46,699 SH   DFND 1 0 0 0
Vanguard Total Stock Market ETF Exchange Traded Fund 922908769   28,479,973 109,581 SH   DFND 1 0 0 0
Vanguard Short-Term Infl-Prot Secs ETF Exchange Traded Fund 922020805   2,527,443 52,776 SH   DFND 1 0 0 0
Vanguard Value ETF Exchange Traded Fund 922908744   21,328,501 130,963 SH   DFND 1 0 0 0
Vanguard Russell 2000 Growth ETF Exchange Traded Fund 92206C623   3,116,565 15,813 SH   DFND 1 0 0 0
Vanguard Russell 2000 ETF Exchange Traded Fund 92206C664   1,285,005 15,108 SH   DFND 1 0 0 0
Vanguard Russell 2000 Value ETF Exchange Traded Fund 92206C649   1,593,220 11,395 SH   DFND 1 0 0 0
Vanguard Growth ETF Exchange Traded Fund 922908736   24,751,219 71,910 SH   DFND 1 0 0 0
Vanguard FTSE Emerging Markets ETF Exchange Traded Fund 922042858   3,428,851 82,089 SH   DFND 1 0 0 0
Vanguard Total International Stock ETF Exchange Traded Fund 921909768   2,678,806 44,425 SH   DFND 1 0 0 0
Vanguard High Dividend Yield ETF Exchange Traded Fund 921946406   448,389 3,706 SH   DFND 1 0 0 0
SPDR S&P Health Care Equipment ETF Exchange Traded Fund 78464A581   898,659 10,219 SH   DFND 1 0 0 0
Energy Select Sector SPDR ETF Exchange Traded Fund 81369Y506   8,166,520 86,501 SH   DFND 1 0 0 0
Financial Select Sector SPDR ETF Exchange Traded Fund 81369Y605   15,832,369 375,888 SH   DFND 1 0 0 0
Invesco S&P 500 Top 50 ETF Exchange Traded Fund 46137V233   1,430,862 33,963 SH   DFND 1 0 0 0
Industrial Select Sector SPDR ETF Exchange Traded Fund 81369Y704   2,901,615 23,036 SH   DFND 1 0 0 0
Technology Select Sector SPDR ETF Exchange Traded Fund 81369Y803   6,799,748 32,649 SH   DFND 1 0 0 0
Consumer Staples Select Sector SPDR ETF Exchange Traded Fund 81369Y308   7,480,646 97,966 SH   DFND 1 0 0 0
Utilities Select Sector SPDR ETF Exchange Traded Fund 81369Y886   7,961,967 121,279 SH   DFND 1 0 0 0
Health Care Select Sector SPDR ETF Exchange Traded Fund 81369Y209   11,287,277 76,405 SH   DFND 1 0 0 0
Consumer Discret Sel Sect SPDR ETF Exchange Traded Fund 81369Y407   439,865 2,392 SH   DFND 1 0 0 0
SPDR S&P Metals and Mining ETF Exchange Traded Fund 78464A755   4,666,818 77,419 SH   DFND 1 0 0 0
Invesco S&P MidCap Momentum ETF Exchange Traded Fund 46137V464   4,015,506 34,960 SH   DFND 1 0 0 0
SPDR S&P Semiconductor ETF Exchange Traded Fund 78464A862   421,726 1,817 SH   DFND 1 0 0 0
Invesco S&P SmallCap Momentum ETF Exchange Traded Fund 46137V498   254,625 4,222 SH   DFND 1 0 0 0
WisdomTree EmMkts ex-Stt-Ownd EntrprsETF Exchange Traded Fund 97717X578   376,381 12,776 SH   DFND 1 0 0 0
SPDR S&P Software & Services ETF Exchange Traded Fund 78464A599   1,447,129 9,277 SH   DFND 1 0 0 0