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
ABBOTT LABS COM 002824100 452 3,815 SH   DFND   0 0 3,815
ABBVIE INC COM 00287Y109 592 3,650 SH   DFND   0 0 3,650
ALLIANCE RESOURCE PARTNERS L UT LTD PART 01877R108 228 14,781 SH   DFND   0 0 14,781
AMAZON COM INC COM 023135106 480 147 SH   DFND   0 0 147
AMGEN INC COM 031162100 261 1,079 SH   DFND   0 0 1,079
ANALOG DEVICES INC COM 032654105 442 2,673 SH   DFND   0 0 2,673
APPLE INC COM 037833100 1,968 11,270 SH   DFND   0 0 11,270
CISCO SYS INC COM 17275R102 262 4,702 SH   DFND   0 0 4,702
DANAHER CORPORATION COM 235851102 352 1,200 SH   DFND   0 0 1,200
DARDEN RESTAURANTS INC COM 237194105 226 1,700 SH   DFND   0 0 1,700
DISNEY WALT CO COM 254687106 682 4,975 SH   DFND   0 0 4,975
ENTERPRISE PRODS PARTNERS L COM 293792107 232 9,000 SH   DFND   0 0 9,000
FACEBOOK INC CL A 30303M102 270 1,216 SH   DFND   0 0 1,216
GENERAL ELECTRIC CO COM 369604103 243 2,661 SH   DFND   0 0 2,661
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 2,006 22,528 SH   DFND   0 0 22,528
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 9,943 303,775 SH   DFND   0 0 303,775
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 3,097 91,413 SH   DFND   0 0 91,413
HOME DEPOT INC COM 437076102 1,169 3,904 SH   DFND   0 0 3,904
HONEYWELL INTL INC COM 438516106 309 1,591 SH   DFND   0 0 1,591
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 634 9,445 SH   DFND   0 0 9,445
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 636 12,970 SH   DFND   0 0 12,970
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 1,039 20,810 SH   DFND   0 0 20,810
ISHARES INC MSCI EMERG MKT 46434G889 546 11,284 SH   DFND   0 0 11,284
ISHARES INC MSCI EMERG MRKT 464286533 2,382 39,033 SH   DFND   0 0 39,033
ISHARES INC CORE MSCI EMKT 46434G103 2,519 45,351 SH   DFND   0 0 45,351
ISHARES TR NATIONAL MUN ETF 464288414 506 4,612 SH   DFND   0 0 4,612
ISHARES TR TIPS BD ETF 464287176 3,543 28,444 SH   DFND   0 0 28,444
ISHARES TR MSCI USA MIN VOL 46429B697 10,977 141,511 SH   DFND   0 0 141,511
ISHARES TR 0-5 YR TIPS ETF 46429B747 814 7,758 SH   DFND   0 0 7,758
ISHARES TR MSCI USA QLT FCT 46432F339 7,099 52,730 SH   DFND   0 0 52,730
ISHARES TR MSCI INTL MULTFT 46434V274 907 32,768 SH   DFND   0 0 32,768
ISHARES TR U.S. MED DVC ETF 464288810 224 3,672 SH   DFND   0 0 3,672
ISHARES TR JPMORGAN USD EMG 464288281 2,255 23,068 SH   DFND   0 0 23,068
ISHARES TR MSCI USA VALUE 46432F388 4,607 44,055 SH   DFND   0 0 44,055
ISHARES TR CORE MSCI TOTAL 46432F834 1,525 22,902 SH   DFND   0 0 22,902
ISHARES TR US TREAS BD ETF 46429B267 3,056 122,685 SH   DFND   0 0 122,685
ISHARES TR BARCLAYS 7 10 YR 464287440 316 2,939 SH   DFND   0 0 2,939
ISHARES TR PFD AND INCM SEC 464288687 220 6,037 SH   DFND   0 0 6,037
ISHARES TR MSCI EAFE MIN VL 46429B689 6,326 87,691 SH   DFND   0 0 87,691
ISHARES TR ISHS 5-10YR INVT 464288638 359 6,536 SH   DFND   0 0 6,536
ISHARES TR IBOXX INV CP ETF 464287242 540 4,465 SH   DFND   0 0 4,465
ISHARES TR CORE INTL AGGR 46435G672 1,514 29,047 SH   DFND   0 0 29,047
ISHARES TR CORE US AGGBD ET 464287226 993 9,276 SH   DFND   0 0 9,276
ISHARES TR USD INV GRDE ETF 464288620 4,176 75,863 SH   DFND   0 0 75,863
ISHARES TR RUS TP200 GR ETF 464289438 256 1,610 SH   DFND   0 0 1,610
ISHARES TR CORE MSCI EAFE 46432F842 952 13,695 SH   DFND   0 0 13,695
ISHARES TR ISHS 1-5YR INVS 464288646 287 5,556 SH   DFND   0 0 5,556
ISHARES TR CORE S&P500 ETF 464287200 1,527 3,366 SH   DFND   0 0 3,366
ISHARES TR MSCI USA MMENTM 46432F396 5,225 31,049 SH   DFND   0 0 31,049
JPMORGAN CHASE & CO COM 46625H100 609 4,467 SH   DFND   0 0 4,467
L3HARRIS TECHNOLOGIES INC COM 502431109 759 3,054 SH   DFND   0 0 3,054
LILLY ELI & CO COM 532457108 2,005 7,000 SH   DFND   0 0 7,000
LOCKHEED MARTIN CORP COM 539830109 489 1,107 SH   DFND   0 0 1,107
MCDONALDS CORP COM 580135101 1,032 4,174 SH   DFND   0 0 4,174
MICROSOFT CORP COM 594918104 3,227 10,465 SH   DFND   0 0 10,465
NXP SEMICONDUCTORS N V COM N6596X109 231 1,250 SH   DFND   0 0 1,250
PACER FDS TR TRENDP US LAR CP 69374H105 284 7,307 SH   DFND   0 0 7,307
PAYCHEX INC COM 704326107 387 2,839 SH   DFND   0 0 2,839
PEPSICO INC COM 713448108 202 1,204 SH   DFND   0 0 1,204
PIMCO ETF TR ACTIVE BD ETF 72201R775 357 3,510 SH   DFND   0 0 3,510
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 333 6,671 SH   DFND   0 0 6,671
PIMCO ETF TR INTER MUN BD ACT 72201R866 2,628 49,591 SH   DFND   0 0 49,591
PROCTER AND GAMBLE CO COM 742718109 351 2,300 SH   DFND   0 0 2,300
QUALCOMM INC COM 747525103 285 1,862 SH   DFND   0 0 1,862
RAYTHEON TECHNOLOGIES CORP COM 75513E101 352 3,553 SH   DFND   0 0 3,553
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 1,170 21,881 SH   DFND   0 0 21,881
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 644 19,967 SH   DFND   0 0 19,967
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 373 2,344 SH   DFND   0 0 2,344
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 803 5,864 SH   DFND   0 0 5,864
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 250 1,354 SH   DFND   0 0 1,354
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 716 20,885 SH   DFND   0 0 20,885
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,516 3,356 SH   DFND   0 0 3,356
SPDR SER TR BLMBRG BRC CNVRT 78464A359 218 2,828 SH   DFND   0 0 2,828
SPDR SER TR BLOMBERG BRC INV 78468R200 1,923 63,086 SH   DFND   0 0 63,086
SPDR SER TR PORTFLI TIPS ETF 78464A656 2,013 66,537 SH   DFND   0 0 66,537
SPDR SER TR NUVEEN BLMBRG SR 78468R739 920 19,434 SH   DFND   0 0 19,434
THERMO FISHER SCIENTIFIC INC COM 883556102 384 650 SH   DFND   0 0 650
UNION PAC CORP COM 907818108 378 1,382 SH   DFND   0 0 1,382
UNITED PARCEL SERVICE INC CL B 911312106 322 1,501 SH   DFND   0 0 1,501
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 5,005 62,923 SH   DFND   0 0 62,923
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 6,243 119,059 SH   DFND   0 0 119,059
VANGUARD INDEX FDS VALUE ETF 922908744 957 6,479 SH   DFND   0 0 6,479
VANGUARD INDEX FDS SM CP VAL ETF 922908611 235 1,338 SH   DFND   0 0 1,338
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 290 6,279 SH   DFND   0 0 6,279
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 2,617 51,104 SH   DFND   0 0 51,104
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 6,446 125,038 SH   DFND   0 0 125,038
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,506 23,938 SH   DFND   0 0 23,938
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,653 30,839 SH   DFND   0 0 30,839
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 462 2,848 SH   DFND   0 0 2,848
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 414 5,930 SH   DFND   0 0 5,930
VERIZON COMMUNICATIONS INC COM 92343V104 224 4,404 SH   DFND   0 0 4,404