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
AT&T INC COM 00206R102 480 16,688 SH   DFND 1 0 0 16,688
AT&T INC COM 00206R102 65 2,259 SH   SOLE   0 0 2,259
ARK ETF TR INNOVATION ETF 00214Q104 91 697 SH   SOLE   0 0 697
ARK ETF TR INNOVATION ETF 00214Q104 510 3,900 SH   DFND 1 0 0 3,900
ABBOTT LABS COM 002824100 251 2,167 SH   DFND 1 0 0 2,167
ABBOTT LABS COM 002824100 21 185 SH   SOLE   0 0 185
ABBVIE INC COM 00287Y109 93 822 SH   SOLE   0 0 822
ABBVIE INC COM 00287Y109 203 1,800 SH   DFND 1 0 0 1,800
ACTIVISION BLIZZARD INC COM 00507V109 28,206 295,532 SH   DFND 1 0 0 295,532
ACTIVISION BLIZZARD INC COM 00507V109 10,007 104,847 SH   SOLE   0 0 104,847
ADOBE SYSTEMS INCORPORATED COM 00724F101 1 2 SH   SOLE   0 0 2
ADOBE SYSTEMS INCORPORATED COM 00724F101 572 977 SH   DFND 1 0 0 977
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 156 688 SH   DFND 1 0 0 688
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 54 240 SH   SOLE   0 0 240
ALPHABET INC CAP STK CL A 02079K305 222 91 SH   SOLE   0 0 91
ALPHABET INC CAP STK CL A 02079K305 535 219 SH   DFND 1 0 0 219
AMAZON COM INC COM 023135106 26,761 7,779 SH   DFND 1 0 0 7,779
AMAZON COM INC COM 023135106 9,884 2,873 SH   SOLE   0 0 2,873
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 1,738 27,558 SH   SOLE   0 0 27,558
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 2,615 41,462 SH   DFND 1 0 0 41,462
AMERICAN EXPRESS CO COM 025816109 190 1,148 SH   DFND 1 0 0 1,148
AMERICAN EXPRESS CO COM 025816109 15 90 SH   SOLE   0 0 90
AMGEN INC COM 031162100 645 2,648 SH   SOLE   0 0 2,648
AMGEN INC COM 031162100 2 7 SH   DFND 1 0 0 7
ANTHEM INC COM 036752103 651 1,705 SH   DFND 1 0 0 1,705
APPLE INC COM 037833100 34,924 254,997 SH   DFND 1 0 0 254,997
APPLE INC COM 037833100 13,092 95,590 SH   SOLE   0 0 95,590
APPLE HOSPITALITY REIT INC COM NEW 03784Y200 343 22,481 SH   DFND 1 0 0 22,481
APPLIED MATLS INC COM 038222105 31,387 220,417 SH   DFND 1 0 0 220,417
APPLIED MATLS INC COM 038222105 11,062 77,679 SH   SOLE   0 0 77,679
ATHERSYS INC NEW COM 04744L106 15 10,416 SH   DFND 1 0 0 10,416
AVID BIOSERVICES INC COM 05368M106 326 12,715 SH   SOLE   0 0 12,715
BK OF AMERICA CORP COM 060505104 164 3,966 SH   SOLE   0 0 3,966
BK OF AMERICA CORP COM 060505104 259 6,291 SH   DFND 1 0 0 6,291
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 553 1,990 SH   DFND 1 0 0 1,990
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 28 100 SH   SOLE   0 0 100
BOEING CO COM 097023105 72 300 SH   SOLE   0 0 300
BOEING CO COM 097023105 366 1,528 SH   DFND 1 0 0 1,528
BRISTOL-MYERS SQUIBB CO COM 110122108 5,937 88,846 SH   DFND 1 0 0 88,846
BRISTOL-MYERS SQUIBB CO COM 110122108 2,506 37,507 SH   SOLE   0 0 37,507
BROADCOM INC COM 11135F101 10,324 21,651 SH   SOLE   0 0 21,651
BROADCOM INC COM 11135F101 29,103 61,033 SH   DFND 1 0 0 61,033
CDW CORP COM 12514G108 1,407 8,058 SH   DFND 1 0 0 8,058
CDW CORP COM 12514G108 631 3,611 SH   SOLE   0 0 3,611
CHARLES RIV LABS INTL INC COM 159864107 638 1,725 SH   SOLE   0 0 1,725
CHARLES RIV LABS INTL INC COM 159864107 1,540 4,162 SH   DFND 1 0 0 4,162
CHEVRON CORP NEW COM 166764100 27,478 262,342 SH   DFND 1 0 0 262,342
CHEVRON CORP NEW COM 166764100 9,733 92,924 SH   SOLE   0 0 92,924
CITIZENS FINL GROUP INC COM 174610105 514 11,203 SH   SOLE   0 0 11,203
CITIZENS FINL GROUP INC COM 174610105 1,200 26,164 SH   DFND 1 0 0 26,164
COCA COLA CO COM 191216100 135 2,500 SH   DFND 1 0 0 2,500
COCA COLA CO COM 191216100 86 1,594 SH   SOLE   0 0 1,594
COMCAST CORP NEW CL A 20030N101 54 955 SH   SOLE   0 0 955
COMCAST CORP NEW CL A 20030N101 240 4,217 SH   DFND 1 0 0 4,217
DISNEY WALT CO COM 254687106 27,267 155,131 SH   DFND 1 0 0 155,131
DISNEY WALT CO COM 254687106 9,768 55,574 SH   SOLE   0 0 55,574
DOLLAR TREE INC COM 256746108 529 5,315 SH   SOLE   0 0 5,315
DOLLAR TREE INC COM 256746108 1,248 12,539 SH   DFND 1 0 0 12,539
EAST WEST BANCORP INC COM 27579R104 540 7,534 SH   SOLE   0 0 7,534
EPAM SYS INC COM 29414B104 619 1,212 SH   SOLE   0 0 1,212
EPAM SYS INC COM 29414B104 1,488 2,912 SH   DFND 1 0 0 2,912
EXXON MOBIL CORP COM 30231G102 871 13,812 SH   DFND 1 0 0 13,812
EXXON MOBIL CORP COM 30231G102 47 744 SH   SOLE   0 0 744
FACEBOOK INC CL A 30303M102 95 274 SH   SOLE   0 0 274
FACEBOOK INC CL A 30303M102 463 1,332 SH   DFND 1 0 0 1,332
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 5,508 96,167 SH   DFND 1 0 0 96,167
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 270 4,714 SH   SOLE   0 0 4,714
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740F722 507 14,047 SH   DFND 1 0 0 14,047
FISERV INC COM 337738108 519 4,853 SH   DFND 1 0 0 4,853
FISERV INC COM 337738108 117 1,092 SH   SOLE   0 0 1,092
FORD MTR CO DEL COM 345370860 1 100 SH   SOLE   0 0 100
FORD MTR CO DEL COM 345370860 975 65,640 SH   DFND 1 0 0 65,640
FORTUNE BRANDS HOME & SEC IN COM 34964C106 1,383 13,887 SH   DFND 1 0 0 13,887
FORTUNE BRANDS HOME & SEC IN COM 34964C106 616 6,179 SH   SOLE   0 0 6,179
FREEPORT-MCMORAN INC CL B 35671D857 2,327 62,709 SH   SOLE   0 0 62,709
FREEPORT-MCMORAN INC CL B 35671D857 5,664 152,614 SH   DFND 1 0 0 152,614
GALLAGHER ARTHUR J & CO COM 363576109 5 35 SH   DFND 1 0 0 35
GALLAGHER ARTHUR J & CO COM 363576109 574 4,101 SH   SOLE   0 0 4,101
GENERAL ELECTRIC CO COM 369604103 6 425 SH   SOLE   0 0 425
GENERAL ELECTRIC CO COM 369604103 161 11,938 SH   DFND 1 0 0 11,938
GENTEX CORP COM 371901109 1,379 41,671 SH   DFND 1 0 0 41,671
GENTEX CORP COM 371901109 566 17,096 SH   SOLE   0 0 17,096
GOLDMAN SACHS GROUP INC COM 38141G104 361 952 SH   SOLE   0 0 952
GOLDMAN SACHS GROUP INC COM 38141G104 43 114 SH   DFND 1 0 0 114
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 230,984 2,684,922 SH   DFND 1 0 0 2,684,922
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 77,870 905,148 SH   SOLE   0 0 905,148
HILL-ROM HLDGS INC COM 431475102 598 5,267 SH   SOLE   0 0 5,267
HILL-ROM HLDGS INC COM 431475102 1,422 12,522 SH   DFND 1 0 0 12,522
HOME DEPOT INC COM 437076102 331 1,037 SH   DFND 1 0 0 1,037
HOME DEPOT INC COM 437076102 30 94 SH   SOLE   0 0 94
HONEYWELL INTL INC COM 438516106 9,922 45,235 SH   SOLE   0 0 45,235
HONEYWELL INTL INC COM 438516106 27,820 126,829 SH   DFND 1 0 0 126,829
HUBSPOT INC COM 443573100 1,478 2,537 SH   DFND 1 0 0 2,537
HUBSPOT INC COM 443573100 612 1,051 SH   SOLE   0 0 1,051
INTEL CORP COM 458140100 120 2,145 SH   SOLE   0 0 2,145
INTEL CORP COM 458140100 115 2,046 SH   DFND 1 0 0 2,046
INTERCONTINENTAL EXCHANGE IN COM 45866F104 28,728 242,021 SH   DFND 1 0 0 242,021
INTERCONTINENTAL EXCHANGE IN COM 45866F104 10,246 86,319 SH   SOLE   0 0 86,319
INTERNATIONAL BUSINESS MACHS COM 459200101 15 100 SH   SOLE   0 0 100
INTERNATIONAL BUSINESS MACHS COM 459200101 286 1,948 SH   DFND 1 0 0 1,948
INVESCO QQQ TR UNIT SER 1 46090E103 1,252 3,533 SH   DFND 1 0 0 3,533
INVESCO QQQ TR UNIT SER 1 46090E103 611 1,723 SH   SOLE   0 0 1,723
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 1,154 6,266 SH   SOLE   0 0 6,266
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266 1,180 6,410 SH   DFND 1 0 0 6,410
INVESCO EXCHANGE TRADED FD T DYNMC BLDG CON 46137V779 283 5,706 SH   DFND 1 0 0 5,706
ISHARES GOLD TR ISHARES NEW 464285204 96 2,849 SH   DFND 1 0 0 2,849
ISHARES GOLD TR ISHARES NEW 464285204 281 8,322 SH   SOLE   0 0 8,322
ISHARES INC EM MKTS DIV ETF 464286319 3,012 77,525 SH   SOLE   0 0 77,525
ISHARES INC EM MKTS DIV ETF 464286319 9,268 238,570 SH   DFND 1 0 0 238,570
ISHARES TR CORE US AGGBD ET 464287226 148,432 1,287,016 SH   DFND 1 0 0 1,287,016
ISHARES TR CORE US AGGBD ET 464287226 45,595 395,341 SH   SOLE   0 0 395,341
ISHARES TR S&P 500 GRWT ETF 464287309 2,562 35,232 SH   SOLE   0 0 35,232
ISHARES TR S&P 500 GRWT ETF 464287309 2,863 39,371 SH   DFND 1 0 0 39,371
ISHARES TR 1 3 YR TREAS BD 464287457 1,352 15,689 SH   SOLE   0 0 15,689
ISHARES TR EXPND TEC SC ETF 464287549 18,281 45,252 SH   SOLE   0 0 45,252
ISHARES TR EXPND TEC SC ETF 464287549 50,157 124,157 SH   DFND 1 0 0 124,157
ISHARES TR S&P MC 400GR ETF 464287606 813 10,042 SH   DFND 1 0 0 10,042
ISHARES TR S&P MC 400GR ETF 464287606 2,036 25,161 SH   SOLE   0 0 25,161
ISHARES TR S&P MC 400VL ETF 464287705 1,946 18,470 SH   SOLE   0 0 18,470
ISHARES TR S&P MC 400VL ETF 464287705 783 7,436 SH   DFND 1 0 0 7,436
ISHARES TR CORE S&P SCP ETF 464287804 3,488 30,870 SH   DFND 1 0 0 30,870
ISHARES TR CORE S&P SCP ETF 464287804 421 3,731 SH   SOLE   0 0 3,731
ISHARES TR SP SMCP600VL ETF 464287879 807 7,658 SH   SOLE   0 0 7,658
ISHARES TR SP SMCP600VL ETF 464287879 471 4,471 SH   DFND 1 0 0 4,471
ISHARES TR S&P SML 600 GWT 464287887 514 3,873 SH   DFND 1 0 0 3,873
ISHARES TR S&P SML 600 GWT 464287887 848 6,396 SH   SOLE   0 0 6,396
ISHARES TR GL CLEAN ENE ETF 464288224 51 2,180 SH   SOLE   0 0 2,180
ISHARES TR GL CLEAN ENE ETF 464288224 1,354 57,732 SH   DFND 1 0 0 57,732
ISHARES TR NATIONAL MUN ETF 464288414 18,586 158,587 SH   DFND 1 0 0 158,587
ISHARES TR NATIONAL MUN ETF 464288414 5,807 49,548 SH   SOLE   0 0 49,548
ISHARES TR INTL SEL DIV ETF 464288448 3,582 110,559 SH   SOLE   0 0 110,559
ISHARES TR INTL SEL DIV ETF 464288448 11,265 347,699 SH   DFND 1 0 0 347,699
ISHARES TR US AER DEF ETF 464288760 433 3,957 SH   DFND 1 0 0 3,957
ISHARES TR U.S. MED DVC ETF 464288810 750 2,076 SH   DFND 1 0 0 2,076
ISHARES TR MSCI USA MIN VOL 46429B697 204 2,767 SH   DFND 1 0 0 2,767
ISHARES TR MSCI USA MIN VOL 46429B697 292 3,973 SH   SOLE   0 0 3,973
ISHARES TR MSCI USA VALUE 46432F388 20,359 193,785 SH   SOLE   0 0 193,785
ISHARES TR MSCI USA VALUE 46432F388 101,239 963,630 SH   DFND 1 0 0 963,630
ISHARES TR MSCI USA MMENTM 46432F396 101,357 584,427 SH   DFND 1 0 0 584,427
ISHARES TR MSCI USA MMENTM 46432F396 20,428 117,791 SH   SOLE   0 0 117,791
ISHARES TR CORE MSCI EAFE 46432F842 29 387 SH   SOLE   0 0 387
ISHARES TR CORE MSCI EAFE 46432F842 318 4,250 SH   DFND 1 0 0 4,250
ISHARES TR MSCI USA SML CP 46434V290 788 14,372 SH   DFND 1 0 0 14,372
ISHARES TR MSCI USA SML CP 46434V290 397 7,242 SH   SOLE   0 0 7,242
ISHARES TR CORE MSCI INTL 46435G326 242 3,592 SH   SOLE   0 0 3,592
ISHARES TR CORE MSCI INTL 46435G326 437 6,476 SH   DFND 1 0 0 6,476
ISHARES TR ESG AWR MSCI USA 46435G425 393 3,991 SH   DFND 1 0 0 3,991
ISHARES TR ESG AWR MSCI USA 46435G425 284 2,884 SH   SOLE   0 0 2,884
ISHARES TR ESG AW MSCI EAFE 46435G516 118 1,499 SH   SOLE   0 0 1,499
ISHARES TR ESG AW MSCI EAFE 46435G516 171 2,164 SH   DFND 1 0 0 2,164
ISHARES TR ESG MSCI EM LDRS 46436E601 135 2,053 SH   DFND 1 0 0 2,053
ISHARES TR ESG MSCI EM LDRS 46436E601 88 1,339 SH   SOLE   0 0 1,339
JPMORGAN CHASE & CO COM 46625H100 2,648 17,025 SH   SOLE   0 0 17,025
JPMORGAN CHASE & CO COM 46625H100 6,812 43,798 SH   DFND 1 0 0 43,798
JACOBS ENGR GROUP INC COM 469814107 1,393 10,442 SH   DFND 1 0 0 10,442
JACOBS ENGR GROUP INC COM 469814107 577 4,324 SH   SOLE   0 0 4,324
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 561 10,818 SH   SOLE   0 0 10,818
JOHN HANCOCK EXCHANGE TRADED MULTIFACTOR MI 47804J206 775 14,949 SH   DFND 1 0 0 14,949
JOHNSON & JOHNSON COM 478160104 604 3,669 SH   DFND 1 0 0 3,669
JOHNSON & JOHNSON COM 478160104 87 527 SH   SOLE   0 0 527
KANSAS CITY SOUTHERN COM NEW 485170302 303 1,070 SH   DFND 1 0 0 1,070
LOWES COS INC COM 548661107 27,869 143,679 SH   DFND 1 0 0 143,679
LOWES COS INC COM 548661107 9,845 50,753 SH   SOLE   0 0 50,753
MKS INSTRS INC COM 55306N104 527 2,962 SH   SOLE   0 0 2,962
MKS INSTRS INC COM 55306N104 1,245 6,995 SH   DFND 1 0 0 6,995
MASTERCARD INCORPORATED CL A 57636Q104 27,864 76,321 SH   DFND 1 0 0 76,321
MASTERCARD INCORPORATED CL A 57636Q104 9,864 27,019 SH   SOLE   0 0 27,019
MCDONALDS CORP COM 580135101 100 435 SH   SOLE   0 0 435
MCDONALDS CORP COM 580135101 115 498 SH   DFND 1 0 0 498
MCKESSON CORP COM 58155Q103 27,666 144,669 SH   DFND 1 0 0 144,669
MCKESSON CORP COM 58155Q103 9,867 51,596 SH   SOLE   0 0 51,596
MICROSOFT CORP COM 594918104 3,836 14,161 SH   SOLE   0 0 14,161
MICROSOFT CORP COM 594918104 9,756 36,014 SH   DFND 1 0 0 36,014
NEWS CORP NEW CL A 65249B109 1,247 48,394 SH   DFND 1 0 0 48,394
NEWS CORP NEW CL A 65249B109 519 20,159 SH   SOLE   0 0 20,159
NEXTERA ENERGY INC COM 65339F101 2,383 32,513 SH   SOLE   0 0 32,513
NEXTERA ENERGY INC COM 65339F101 5,969 81,461 SH   DFND 1 0 0 81,461
NORFOLK SOUTHN CORP COM 655844108 282 1,061 SH   DFND 1 0 0 1,061
NVIDIA CORPORATION COM 67066G104 476 595 SH   DFND 1 0 0 595
NVIDIA CORPORATION COM 67066G104 30 38 SH   SOLE   0 0 38
PEPSICO INC COM 713448108 2 11 SH   SOLE   0 0 11
PEPSICO INC COM 713448108 231 1,561 SH   DFND 1 0 0 1,561
PERKINELMER INC COM 714046109 598 3,876 SH   DFND 1 0 0 3,876
PFIZER INC COM 717081103 310 7,925 SH   DFND 1 0 0 7,925
PFIZER INC COM 717081103 19 490 SH   SOLE   0 0 490
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 276 2,717 SH   SOLE   0 0 2,717
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 5 50 SH   DFND 1 0 0 50
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 115 1,124 SH   DFND 1 0 0 1,124
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 747 7,325 SH   SOLE   0 0 7,325
PIMCO ETF TR INTER MUN BD ACT 72201R866 227 4,005 SH   DFND 1 0 0 4,005
PIMCO DYNAMIC CR INCOME FD COM SHS 72202D106 564 25,199 SH   DFND 1 0 0 25,199
PROCTER AND GAMBLE CO COM 742718109 184 1,362 SH   DFND 1 0 0 1,362
PROCTER AND GAMBLE CO COM 742718109 141 1,046 SH   SOLE   0 0 1,046
PROLOGIS INC. COM 74340W103 10,290 86,086 SH   SOLE   0 0 86,086
PROLOGIS INC. COM 74340W103 28,714 240,228 SH   DFND 1 0 0 240,228
RAYTHEON TECHNOLOGIES CORP COM 75513E101 105 1,229 SH   DFND 1 0 0 1,229
RAYTHEON TECHNOLOGIES CORP COM 75513E101 135 1,587 SH   SOLE   0 0 1,587
SPDR S&P 500 ETF TR TR UNIT 78462F103 101 236 SH   SOLE   0 0 236
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,284 5,336 SH   DFND 1 0 0 5,336
SPDR GOLD TR GOLD SHS 78463V107 235 1,419 SH   DFND 1 0 0 1,419
SPDR GOLD TR GOLD SHS 78463V107 197 1,191 SH   SOLE   0 0 1,191
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 8,063 177,215 SH   SOLE   0 0 177,215
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 4,227 92,898 SH   DFND 1 0 0 92,898
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 111,321 3,025,856 SH   DFND 1 0 0 3,025,856
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 31,320 851,320 SH   SOLE   0 0 851,320
SPDR SER TR S&P 600 SMCP GRW 78464A201 9,279 104,532 SH   SOLE   0 0 104,532
SPDR SER TR S&P 600 SMCP GRW 78464A201 31,549 355,397 SH   DFND 1 0 0 355,397
SPDR SER TR ICE PFD SEC ETF 78464A292 2,542 57,493 SH   DFND 1 0 0 57,493
SPDR SER TR ICE PFD SEC ETF 78464A292 373 8,434 SH   SOLE   0 0 8,434
SPDR SER TR S&P 600 SMCP VAL 78464A300 3,803 44,376 SH   SOLE   0 0 44,376
SPDR SER TR S&P 600 SMCP VAL 78464A300 2,534 29,560 SH   DFND 1 0 0 29,560
SPDR SER TR PORTFOLIO AGRGTE 78464A649 3,365 112,128 SH   DFND 1 0 0 112,128
SPDR SER TR PORTFOLIO AGRGTE 78464A649 430 14,333 SH   SOLE   0 0 14,333
SPDR SER TR S&P 400 MDCP GRW 78464A821 2,523 32,549 SH   SOLE   0 0 32,549
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,720 22,193 SH   DFND 1 0 0 22,193
SPDR SER TR S&P 400 MDCP VAL 78464A839 1,948 28,856 SH   DFND 1 0 0 28,856
SPDR SER TR S&P 400 MDCP VAL 78464A839 2,447 36,248 SH   SOLE   0 0 36,248
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 905 18,704 SH   SOLE   0 0 18,704
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 7,000 144,600 SH   DFND 1 0 0 144,600
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 17 50 SH   DFND 1 0 0 50
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 192 556 SH   SOLE   0 0 556
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 54 519 SH   SOLE   0 0 519
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 235 2,261 SH   DFND 1 0 0 2,261
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 850 15,626 SH   DFND 1 0 0 15,626
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 439 8,076 SH   SOLE   0 0 8,076
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 289 3,512 SH   DFND 1 0 0 3,512
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 50,843 403,675 SH   DFND 1 0 0 403,675
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 18,205 144,539 SH   SOLE   0 0 144,539
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 17,488 476,644 SH   SOLE   0 0 476,644
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 49,173 1,340,225 SH   DFND 1 0 0 1,340,225
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 50,478 492,949 SH   DFND 1 0 0 492,949
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 17,813 173,956 SH   SOLE   0 0 173,956
SHOPIFY INC CL A 82509L107 4 3 SH   SOLE   0 0 3
SHOPIFY INC CL A 82509L107 278 190 SH   DFND 1 0 0 190
SQUARE INC CL A 852234103 29,236 119,920 SH   DFND 1 0 0 119,920
SQUARE INC CL A 852234103 10,264 42,101 SH   SOLE   0 0 42,101
TESLA INC COM 88160R101 443 652 SH   SOLE   0 0 652
TESLA INC COM 88160R101 516 759 SH   DFND 1 0 0 759
THERMO FISHER SCIENTIFIC INC COM 883556102 28,779 57,047 SH   DFND 1 0 0 57,047
THERMO FISHER SCIENTIFIC INC COM 883556102 10,356 20,528 SH   SOLE   0 0 20,528
3M CO COM 88579Y101 6 31 SH   SOLE   0 0 31
3M CO COM 88579Y101 235 1,185 SH   DFND 1 0 0 1,185
TOWNEBANK PORTSMOUTH VA COM 89214P109 246 8,097 SH   DFND 1 0 0 8,097
TRUIST FINL CORP COM 89832Q109 410 7,381 SH   DFND 1 0 0 7,381
UNITEDHEALTH GROUP INC COM 91324P102 467 1,166 SH   DFND 1 0 0 1,166
UNITEDHEALTH GROUP INC COM 91324P102 178 443 SH   SOLE   0 0 443
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 144 931 SH   SOLE   0 0 931
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 658 4,254 SH   DFND 1 0 0 4,254
VANGUARD WORLD FD MEGA GRWTH IND 921910816 1,092 4,721 SH   DFND 1 0 0 4,721
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 817 9,942 SH   SOLE   0 0 9,942
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 7,050 136,845 SH   SOLE   0 0 136,845
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 9,276 180,054 SH   DFND 1 0 0 180,054
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,287 40,915 SH   DFND 1 0 0 40,915
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 746 7,118 SH   SOLE   0 0 7,118
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 459 7,246 SH   DFND 1 0 0 7,246
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 3,935 72,445 SH   DFND 1 0 0 72,445
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 4,512 83,076 SH   SOLE   0 0 83,076
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 20 81 SH   SOLE   0 0 81
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,412 5,715 SH   DFND 1 0 0 5,715
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,442 3,615 SH   DFND 1 0 0 3,615
VANGUARD WORLD FDS INF TECH ETF 92204A702 19 48 SH   SOLE   0 0 48
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 720 5,121 SH   SOLE   0 0 5,121
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 717 5,101 SH   DFND 1 0 0 5,101
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,102 4,661 SH   DFND 1 0 0 4,661
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 870 3,683 SH   SOLE   0 0 3,683
VANGUARD INDEX FDS SML CP GRW ETF 922908595 622 2,147 SH   SOLE   0 0 2,147
VANGUARD INDEX FDS SML CP GRW ETF 922908595 597 2,061 SH   DFND 1 0 0 2,061
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 331 1,755 SH   DFND 1 0 0 1,755
VANGUARD INDEX FDS GROWTH ETF 922908736 10,106 35,236 SH   DFND 1 0 0 35,236
VANGUARD INDEX FDS GROWTH ETF 922908736 15,376 53,609 SH   SOLE   0 0 53,609
VANGUARD INDEX FDS VALUE ETF 922908744 17,041 123,974 SH   SOLE   0 0 123,974
VANGUARD INDEX FDS VALUE ETF 922908744 12,692 92,335 SH   DFND 1 0 0 92,335
VANGUARD INDEX FDS SMALL CP ETF 922908751 726 3,224 SH   DFND 1 0 0 3,224
VANGUARD INDEX FDS SMALL CP ETF 922908751 121 535 SH   SOLE   0 0 535
VANGUARD INDEX FDS TOTAL STK MKT 922908769 78 348 SH   SOLE   0 0 348
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,773 12,444 SH   DFND 1 0 0 12,444
VERIZON COMMUNICATIONS INC COM 92343V104 415 7,411 SH   DFND 1 0 0 7,411
VERIZON COMMUNICATIONS INC COM 92343V104 56 1,004 SH   SOLE   0 0 1,004
VISA INC COM CL A 92826C839 75 320 SH   SOLE   0 0 320
VISA INC COM CL A 92826C839 439 1,879 SH   DFND 1 0 0 1,879
WALMART INC COM 931142103 27,085 192,068 SH   DFND 1 0 0 192,068
WALMART INC COM 931142103 9,689 68,708 SH   SOLE   0 0 68,708
WASTE CONNECTIONS INC COM 94106B101 618 5,174 SH   SOLE   0 0 5,174
WASTE CONNECTIONS INC COM 94106B101 1,405 11,767 SH   DFND 1 0 0 11,767
WISDOMTREE TR US MIDCAP DIVID 97717W505 4,684 111,646 SH   DFND 1 0 0 111,646
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,442 34,364 SH   SOLE   0 0 34,364
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,065 33,384 SH   SOLE   0 0 33,384
WISDOMTREE TR US SMALLCAP DIVD 97717W604 3,329 104,406 SH   DFND 1 0 0 104,406
WISDOMTREE TR INTL EQUITY FD 97717W703 23,331 428,012 SH   DFND 1 0 0 428,012
WISDOMTREE TR INTL EQUITY FD 97717W703 20,222 370,978 SH   SOLE   0 0 370,978
ZOETIS INC CL A 98978V103 5 29 SH   SOLE   0 0 29
ZOETIS INC CL A 98978V103 225 1,210 SH   DFND 1 0 0 1,210
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 221 571 SH   DFND 1 0 0 571
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 123 318 SH   SOLE   0 0 318
AMDOCS LTD SHS G02602103 522 6,745 SH   SOLE   0 0 6,745
AMDOCS LTD SHS G02602103 1,231 15,907 SH   DFND 1 0 0 15,907
TRANE TECHNOLOGIES PLC SHS G8994E103 6,221 33,784 SH   DFND 1 0 0 33,784
TRANE TECHNOLOGIES PLC SHS G8994E103 2,584 14,032 SH   SOLE   0 0 14,032