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
AT&T INC COM 00206R102   153 9,113 SH   DFND 1 0 0 9,113
AT&T INC COM 00206R102   24 1,434 SH   SOLE   0 0 1,434
ARK ETF TR INNOVATION ETF 00214Q104   22 423 SH   SOLE   0 0 423
ARK ETF TR INNOVATION ETF 00214Q104   262 4,996 SH   DFND 1 0 0 4,996
ABBOTT LABS COM 002824100   214 1,941 SH   DFND 1 0 0 1,941
ABBOTT LABS COM 002824100   18 161 SH   SOLE   0 0 161
ABBVIE INC COM 00287Y109   23 151 SH   SOLE   0 0 151
ABBVIE INC COM 00287Y109   223 1,438 SH   DFND 1 0 0 1,438
ADOBE INC COM 00724F101   596 999 SH   DFND 1 0 0 999
ADOBE INC COM 00724F101   31 52 SH   SOLE   0 0 52
ALPHABET INC CAP STK CL C 02079K107   57 401 SH   SOLE   0 0 401
ALPHABET INC CAP STK CL C 02079K107   299 2,119 SH   DFND 1 0 0 2,119
ALPHABET INC CAP STK CL A 02079K305   36,244 259,458 SH   DFND 1 0 0 259,458
ALPHABET INC CAP STK CL A 02079K305   11,186 80,080 SH   SOLE   0 0 80,080
AMAZON COM INC COM 023135106   12,221 80,434 SH   SOLE   0 0 80,434
AMAZON COM INC COM 023135106   40,547 266,859 SH   DFND 1 0 0 266,859
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   4,169 68,987 SH   DFND 1 0 0 68,987
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   1,136 18,794 SH   SOLE   0 0 18,794
AMGEN INC COM 031162100   826 2,869 SH   SOLE   0 0 2,869
AMGEN INC COM 031162100   34 119 SH   DFND 1 0 0 119
ELEVANCE HEALTH INC COM 036752103   2,769 5,872 SH   DFND 1 0 0 5,872
ELEVANCE HEALTH INC COM 036752103   634 1,345 SH   SOLE   0 0 1,345
APPLE INC COM 037833100   11,877 61,691 SH   SOLE   0 0 61,691
APPLE INC COM 037833100   44,579 231,545 SH   DFND 1 0 0 231,545
APPLE HOSPITALITY REIT INC COM NEW 03784Y200   292 17,573 SH   DFND 1 0 0 17,573
APPLIED MATLS INC COM 038222105   11,617 71,681 SH   DFND 1 0 0 71,681
APPLIED MATLS INC COM 038222105   3,856 23,793 SH   SOLE   0 0 23,793
AUTOMATIC DATA PROCESSING IN COM 053015103   181 778 SH   SOLE   0 0 778
AUTOMATIC DATA PROCESSING IN COM 053015103   49 210 SH   DFND 1 0 0 210
AXSOME THERAPEUTICS INC COM 05464T104   242 3,037 SH   DFND 1 0 0 3,037
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   749 2,099 SH   DFND 1 0 0 2,099
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   241 677 SH   SOLE   0 0 677
BLACKROCK INC COM 09247X101   3,847 4,739 SH   SOLE   0 0 4,739
BLACKROCK INC COM 09247X101   11,371 14,007 SH   DFND 1 0 0 14,007
BLACKSTONE INC COM 09260D107   185 1,416 SH   DFND 1 0 0 1,416
BLACKSTONE INC COM 09260D107   25 189 SH   SOLE   0 0 189
BLACKSKY TECHNOLOGY INC *W EXP 09/09/202 09263B116   1 15,000 SH   DFND 1 0 0 15,000
BOEING CO COM 097023105   423 1,621 SH   DFND 1 0 0 1,621
BOEING CO COM 097023105   239 918 SH   SOLE   0 0 918
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   694 5,423 SH   SOLE   0 0 5,423
BOOZ ALLEN HAMILTON HLDG COR CL A 099502106   2,082 16,273 SH   DFND 1 0 0 16,273
BROADCOM INC COM 11135F101   44,208 39,604 SH   DFND 1 0 0 39,604
BROADCOM INC COM 11135F101   13,436 12,037 SH   SOLE   0 0 12,037
CDW CORP COM 12514G108   791 3,481 SH   SOLE   0 0 3,481
CDW CORP COM 12514G108   2,252 9,908 SH   DFND 1 0 0 9,908
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   45,578 1,614,522 SH   DFND 1 0 0 1,614,522
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   16,871 597,615 SH   SOLE   0 0 597,615
CHEVRON CORP NEW COM 166764100   10,228 68,572 SH   SOLE   0 0 68,572
CHEVRON CORP NEW COM 166764100   32,683 219,117 SH   DFND 1 0 0 219,117
CISCO SYS INC COM 17275R102   32,363 640,589 SH   DFND 1 0 0 640,589
CISCO SYS INC COM 17275R102   9,996 197,865 SH   SOLE   0 0 197,865
COSTCO WHSL CORP NEW COM 22160K105   21 31 SH   SOLE   0 0 31
COSTCO WHSL CORP NEW COM 22160K105   288 437 SH   DFND 1 0 0 437
DEERE & CO COM 244199105   33,831 84,605 SH   DFND 1 0 0 84,605
DEERE & CO COM 244199105   10,605 26,520 SH   SOLE   0 0 26,520
DISNEY WALT CO COM 254687106   194 2,146 SH   SOLE   0 0 2,146
DISNEY WALT CO COM 254687106   344 3,812 SH   DFND 1 0 0 3,812
DOMINION ENERGY INC COM 25746U109   251 5,337 SH   DFND 1 0 0 5,337
EPAM SYS INC COM 29414B104   2,321 7,804 SH   DFND 1 0 0 7,804
EPAM SYS INC COM 29414B104   789 2,652 SH   SOLE   0 0 2,652
EXXON MOBIL CORP COM 30231G102   72 722 SH   SOLE   0 0 722
EXXON MOBIL CORP COM 30231G102   1,323 13,233 SH   DFND 1 0 0 13,233
META PLATFORMS INC CL A 30303M102   36,933 104,343 SH   DFND 1 0 0 104,343
META PLATFORMS INC CL A 30303M102   11,818 33,388 SH   SOLE   0 0 33,388
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   275 5,314 SH   SOLE   0 0 5,314
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108   6,963 134,782 SH   DFND 1 0 0 134,782
FIRST TR EXCH TRADED FD III CALIF MUN INCM 33739P863   200 4,011 SH   SOLE   0 0 4,011
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740F722   63 1,425 SH   SOLE   0 0 1,425
FIRST TR EXCHNG TRADED FD VI CBOE VEST US EQT 33740F722   620 14,047 SH   DFND 1 0 0 14,047
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   223,996 5,021,759 SH   DFND 1 0 0 5,021,759
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805   45,161 1,012,471 SH   SOLE   0 0 1,012,471
FIRST TR EXCHNG TRADED FD VI CBOE EQT DEP NOV 33740F839   252 6,507 SH   SOLE   0 0 6,507
FORD MTR CO DEL COM 345370860   12 1,000 SH   SOLE   0 0 1,000
FORD MTR CO DEL COM 345370860   708 58,060 SH   DFND 1 0 0 58,060
FREEPORT-MCMORAN INC CL B 35671D857   10,987 258,096 SH   DFND 1 0 0 258,096
FREEPORT-MCMORAN INC CL B 35671D857   3,739 87,821 SH   SOLE   0 0 87,821
GALLAGHER ARTHUR J & CO COM 363576109   1,376 6,121 SH   SOLE   0 0 6,121
GALLAGHER ARTHUR J & CO COM 363576109   49 217 SH   DFND 1 0 0 217
GINKGO BIOWORKS HOLDINGS INC CL A SHS 37611X100   24 14,000 SH   DFND 1 0 0 14,000
GINKGO BIOWORKS HOLDINGS INC *W EXP 09/16/202 37611X118   1 10,000 SH   DFND 1 0 0 10,000
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   405 23,353 SH   DFND 1 0 0 23,353
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   3,659 112,037 SH   DFND 1 0 0 112,037
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   990 30,298 SH   SOLE   0 0 30,298
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   109,323 1,165,368 SH   SOLE   0 0 1,165,368
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503   366,689 3,908,848 SH   DFND 1 0 0 3,908,848
HOME DEPOT INC COM 437076102   459 1,324 SH   DFND 1 0 0 1,324
HOME DEPOT INC COM 437076102   29 85 SH   SOLE   0 0 85
INTERNATIONAL BUSINESS MACHS COM 459200101   110 673 SH   SOLE   0 0 673
INTERNATIONAL BUSINESS MACHS COM 459200101   239 1,461 SH   DFND 1 0 0 1,461
INVESCO QQQ TR UNIT SER 1 46090E103   1,634 3,989 SH   DFND 1 0 0 3,989
INVESCO QQQ TR UNIT SER 1 46090E103   536 1,308 SH   SOLE   0 0 1,308
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   269 8,350 SH   SOLE   0 0 8,350
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   208 6,450 SH   DFND 1 0 0 6,450
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   876 9,754 SH   DFND 1 0 0 9,754
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464   213 2,367 SH   SOLE   0 0 2,367
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362   400 9,438 SH   DFND 1 0 0 9,438
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   998 47,106 SH   DFND 1 0 0 47,106
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   143 6,746 SH   SOLE   0 0 6,746
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   446 16,583 SH   SOLE   0 0 16,583
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   245 12,607 SH   DFND 1 0 0 12,607
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   245 12,703 SH   DFND 1 0 0 12,703
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   248 12,147 SH   DFND 1 0 0 12,147
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   253 12,113 SH   DFND 1 0 0 12,113
INVITAE CORP COM 46185L103   13 20,621 SH   DFND 1 0 0 20,621
ISHARES GOLD TR ISHARES NEW 464285204   72 1,844 SH   DFND 1 0 0 1,844
ISHARES GOLD TR ISHARES NEW 464285204   325 8,322 SH   SOLE   0 0 8,322
ISHARES TR CORE S&P500 ETF 464287200   0 1 SH   SOLE   0 0 1
ISHARES TR CORE S&P500 ETF 464287200   523 1,094 SH   DFND 1 0 0 1,094
ISHARES TR CORE US AGGBD ET 464287226   18,256 183,944 SH   DFND 1 0 0 183,944
ISHARES TR CORE US AGGBD ET 464287226   8,006 80,662 SH   SOLE   0 0 80,662
ISHARES TR IBOXX INV CP ETF 464287242   1,087 9,823 SH   SOLE   0 0 9,823
ISHARES TR S&P 500 GRWT ETF 464287309   2,324 30,943 SH   SOLE   0 0 30,943
ISHARES TR S&P 500 GRWT ETF 464287309   2,161 28,781 SH   DFND 1 0 0 28,781
ISHARES TR 1 3 YR TREAS BD 464287457   49 598 SH   DFND 1 0 0 598
ISHARES TR 1 3 YR TREAS BD 464287457   309 3,767 SH   SOLE   0 0 3,767
ISHARES TR RUS MID CAP ETF 464287499   499 6,418 SH   DFND 1 0 0 6,418
ISHARES TR EXPND TEC SC ETF 464287549   63,164 140,934 SH   DFND 1 0 0 140,934
ISHARES TR EXPND TEC SC ETF 464287549   19,708 43,973 SH   SOLE   0 0 43,973
ISHARES TR S&P MC 400GR ETF 464287606   2,871 36,242 SH   SOLE   0 0 36,242
ISHARES TR S&P MC 400GR ETF 464287606   1,480 18,676 SH   DFND 1 0 0 18,676
ISHARES TR RUS 1000 GRW ETF 464287614   229 754 SH   DFND 1 0 0 754
ISHARES TR RUS 1000 GRW ETF 464287614   111 365 SH   SOLE   0 0 365
ISHARES TR RUS 1000 ETF 464287622   299 1,141 SH   DFND 1 0 0 1,141
ISHARES TR S&P MC 400VL ETF 464287705   1,499 13,147 SH   DFND 1 0 0 13,147
ISHARES TR S&P MC 400VL ETF 464287705   2,994 26,250 SH   SOLE   0 0 26,250
ISHARES TR CORE S&P SCP ETF 464287804   544 5,029 SH   SOLE   0 0 5,029
ISHARES TR CORE S&P SCP ETF 464287804   4,657 43,019 SH   DFND 1 0 0 43,019
ISHARES TR SP SMCP600VL ETF 464287879   425 4,122 SH   DFND 1 0 0 4,122
ISHARES TR SP SMCP600VL ETF 464287879   669 6,491 SH   SOLE   0 0 6,491
ISHARES TR S&P SML 600 GWT 464287887   717 5,730 SH   SOLE   0 0 5,730
ISHARES TR S&P SML 600 GWT 464287887   406 3,247 SH   DFND 1 0 0 3,247
ISHARES TR GL CLEAN ENE ETF 464288224   899 57,755 SH   DFND 1 0 0 57,755
ISHARES TR GL CLEAN ENE ETF 464288224   34 2,180 SH   SOLE   0 0 2,180
ISHARES TR CALIF MUN BD ETF 464288356   4,368 75,392 SH   SOLE   0 0 75,392
ISHARES TR CALIF MUN BD ETF 464288356   2,552 44,049 SH   DFND 1 0 0 44,049
ISHARES TR NATIONAL MUN ETF 464288414   147 1,359 SH   DFND 1 0 0 1,359
ISHARES TR NATIONAL MUN ETF 464288414   432 3,983 SH   SOLE   0 0 3,983
ISHARES TR INTL SEL DIV ETF 464288448   3,799 135,736 SH   SOLE   0 0 135,736
ISHARES TR INTL SEL DIV ETF 464288448   15,272 545,607 SH   DFND 1 0 0 545,607
ISHARES TR US AER DEF ETF 464288760   495 3,914 SH   DFND 1 0 0 3,914
ISHARES TR U.S. MED DVC ETF 464288810   442 8,184 SH   DFND 1 0 0 8,184
ISHARES TR MSCI USA MIN VOL 46429B697   127 1,633 SH   DFND 1 0 0 1,633
ISHARES TR MSCI USA MIN VOL 46429B697   99 1,265 SH   SOLE   0 0 1,265
ISHARES TR MSCI USA VALUE 46432F388   0 1 SH   SOLE   0 0 1
ISHARES TR MSCI USA VALUE 46432F388   778 7,687 SH   DFND 1 0 0 7,687
ISHARES TR US SML CAP EQT 46434V290   970 16,486 SH   DFND 1 0 0 16,486
ISHARES TR US SML CAP EQT 46434V290   259 4,403 SH   SOLE   0 0 4,403
ISHARES TR CORE TOTAL USD 46434V613   19,265 418,173 SH   SOLE   0 0 418,173
ISHARES TR CORE TOTAL USD 46434V613   48,364 1,049,786 SH   DFND 1 0 0 1,049,786
ISHARES TR TRS FLT RT BD 46434V860   2,308 45,738 SH   SOLE   0 0 45,738
ISHARES TR CORE MSCI INTL 46435G326   25,043 393,393 SH   SOLE   0 0 393,393
ISHARES TR CORE MSCI INTL 46435G326   13,148 206,538 SH   DFND 1 0 0 206,538
ISHARES TR ESG AW MSCI EAFE 46435G516   191 2,523 SH   DFND 1 0 0 2,523
ISHARES TR ESG AW MSCI EAFE 46435G516   40 524 SH   SOLE   0 0 524
ISHARES TR BROAD USD HIGH 46435U853   98 2,693 SH   SOLE   0 0 2,693
ISHARES TR BROAD USD HIGH 46435U853   699 19,222 SH   DFND 1 0 0 19,222
JPMORGAN CHASE & CO COM 46625H100   823 4,838 SH   DFND 1 0 0 4,838
JPMORGAN CHASE & CO COM 46625H100   111 655 SH   SOLE   0 0 655
JABIL INC COM 466313103   644 5,058 SH   SOLE   0 0 5,058
JABIL INC COM 466313103   2,002 15,715 SH   DFND 1 0 0 15,715
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,399 25,448 SH   DFND 1 0 0 25,448
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   24 442 SH   SOLE   0 0 442
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   822 17,979 SH   SOLE   0 0 17,979
J P MORGAN EXCHANGE TRADED F US MOMENTUM 46641Q779   3,033 66,342 SH   DFND 1 0 0 66,342
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   236 4,689 SH   DFND 1 0 0 4,689
JACOBS SOLUTIONS INC COM 46982L108   1,873 14,426 SH   DFND 1 0 0 14,426
JACOBS SOLUTIONS INC COM 46982L108   636 4,898 SH   SOLE   0 0 4,898
JOHNSON & JOHNSON COM 478160104   97 620 SH   SOLE   0 0 620
JOHNSON & JOHNSON COM 478160104   515 3,283 SH   DFND 1 0 0 3,283
LABORATORY CORP AMER HLDGS COM NEW 50540R409   2,094 9,211 SH   DFND 1 0 0 9,211
LABORATORY CORP AMER HLDGS COM NEW 50540R409   714 3,142 SH   SOLE   0 0 3,142
LOWES COS INC COM 548661107   67 302 SH   SOLE   0 0 302
LOWES COS INC COM 548661107   221 994 SH   DFND 1 0 0 994
MASTERCARD INCORPORATED CL A 57636Q104   37,931 88,934 SH   DFND 1 0 0 88,934
MASTERCARD INCORPORATED CL A 57636Q104   11,581 27,154 SH   SOLE   0 0 27,154
MCKESSON CORP COM 58155Q103   11,179 24,146 SH   SOLE   0 0 24,146
MCKESSON CORP COM 58155Q103   36,115 78,006 SH   DFND 1 0 0 78,006
MERCK & CO INC COM 58933Y105   10,108 92,717 SH   DFND 1 0 0 92,717
MERCK & CO INC COM 58933Y105   3,355 30,777 SH   SOLE   0 0 30,777
METLIFE INC COM 59156R108   11,229 169,795 SH   SOLE   0 0 169,795
METLIFE INC COM 59156R108   36,052 545,172 SH   DFND 1 0 0 545,172
MICROSOFT CORP COM 594918104   42,060 111,850 SH   DFND 1 0 0 111,850
MICROSOFT CORP COM 594918104   12,352 32,848 SH   SOLE   0 0 32,848
MONDELEZ INTL INC CL A 609207105   711 9,821 SH   SOLE   0 0 9,821
MONDELEZ INTL INC CL A 609207105   2,078 28,697 SH   DFND 1 0 0 28,697
MORGAN STANLEY COM NEW 617446448   822 8,815 SH   DFND 1 0 0 8,815
MORGAN STANLEY COM NEW 617446448   350 3,755 SH   SOLE   0 0 3,755
NETFLIX INC COM 64110L106   16 32 SH   SOLE   0 0 32
NETFLIX INC COM 64110L106   237 486 SH   DFND 1 0 0 486
NEXTERA ENERGY INC COM 65339F101   10,054 165,522 SH   DFND 1 0 0 165,522
NEXTERA ENERGY INC COM 65339F101   3,518 57,917 SH   SOLE   0 0 57,917
NOVARTIS AG SPONSORED ADR 66987V109   5 50 SH   SOLE   0 0 50
NOVARTIS AG SPONSORED ADR 66987V109   294 2,910 SH   DFND 1 0 0 2,910
NVIDIA CORPORATION COM 67066G104   2,402 4,849 SH   DFND 1 0 0 4,849
NVIDIA CORPORATION COM 67066G104   460 928 SH   SOLE   0 0 928
NUVEEN AMT FREE MUN CR INC F COM 67071L106   631 53,398 SH   DFND 1 0 0 53,398
NUVVE HOLDING CORP COM 67079Y100   1 10,000 SH   DFND 1 0 0 10,000
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   394 5,675 SH   DFND 1 0 0 5,675
NUSHARES ETF TR NUVEEN ESG LRGCP 67092P201   169 2,430 SH   SOLE   0 0 2,430
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   79 2,194 SH   SOLE   0 0 2,194
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   382 10,633 SH   DFND 1 0 0 10,633
OREILLY AUTOMOTIVE INC COM 67103H107   35,486 37,351 SH   DFND 1 0 0 37,351
OREILLY AUTOMOTIVE INC COM 67103H107   10,913 11,486 SH   SOLE   0 0 11,486
PEPSICO INC COM 713448108   686 4,038 SH   SOLE   0 0 4,038
PEPSICO INC COM 713448108   2,100 12,367 SH   DFND 1 0 0 12,367
REVVITY INC COM 714046109   424 3,876 SH   DFND 1 0 0 3,876
PFIZER INC COM 717081103   300 10,437 SH   DFND 1 0 0 10,437
PFIZER INC COM 717081103   5 172 SH   SOLE   0 0 172
PROCTER AND GAMBLE CO COM 742718109   3,142 21,441 SH   SOLE   0 0 21,441
PROCTER AND GAMBLE CO COM 742718109   9,839 67,142 SH   DFND 1 0 0 67,142
PROLOGIS INC. COM 74340W103   11,307 84,823 SH   DFND 1 0 0 84,823
PROLOGIS INC. COM 74340W103   3,795 28,472 SH   SOLE   0 0 28,472
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,501 7,366 SH   SOLE   0 0 7,366
SPDR S&P 500 ETF TR TR UNIT 78462F103   11,180 23,521 SH   DFND 1 0 0 23,521
SPDR GOLD TR GOLD SHS 78463V107   303 1,586 SH   DFND 1 0 0 1,586
SPDR GOLD TR GOLD SHS 78463V107   295 1,545 SH   SOLE   0 0 1,545
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   10,181 287,522 SH   SOLE   0 0 287,522
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   4,839 136,659 SH   DFND 1 0 0 136,659
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   167,315 4,919,581 SH   DFND 1 0 0 4,919,581
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   44,749 1,315,755 SH   SOLE   0 0 1,315,755
SPDR SER TR NYSE TECH ETF 78464A102   91 554 SH   SOLE   0 0 554
SPDR SER TR NYSE TECH ETF 78464A102   178 1,085 SH   DFND 1 0 0 1,085
SPDR SER TR S&P 600 SMCP GRW 78464A201   42,023 502,483 SH   DFND 1 0 0 502,483
SPDR SER TR S&P 600 SMCP GRW 78464A201   11,835 141,515 SH   SOLE   0 0 141,515
SPDR SER TR S&P 600 SMCP VAL 78464A300   5,410 64,941 SH   SOLE   0 0 64,941
SPDR SER TR S&P 600 SMCP VAL 78464A300   2,985 35,826 SH   DFND 1 0 0 35,826
SPDR SER TR PORTFOLIO AGRGTE 78464A649   5,374 209,607 SH   DFND 1 0 0 209,607
SPDR SER TR PORTFOLIO AGRGTE 78464A649   888 34,626 SH   SOLE   0 0 34,626
SPDR SER TR S&P INS ETF 78464A789   453 10,017 SH   DFND 1 0 0 10,017
SPDR SER TR S&P 400 MDCP GRW 78464A821   1,454 19,210 SH   DFND 1 0 0 19,210
SPDR SER TR S&P 400 MDCP GRW 78464A821   2,856 37,738 SH   SOLE   0 0 37,738
SPDR SER TR S&P 400 MDCP VAL 78464A839   2,923 39,840 SH   SOLE   0 0 39,840
SPDR SER TR S&P 400 MDCP VAL 78464A839   1,668 22,729 SH   DFND 1 0 0 22,729
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   211,519 5,255,140 SH   DFND 1 0 0 5,255,140
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   56,590 1,405,960 SH   SOLE   0 0 1,405,960
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   210 556 SH   SOLE   0 0 556
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   50 132 SH   DFND 1 0 0 132
SALESFORCE INC COM 79466L302   38,960 148,059 SH   DFND 1 0 0 148,059
SALESFORCE INC COM 79466L302   12,124 46,075 SH   SOLE   0 0 46,075
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   71 1,266 SH   SOLE   0 0 1,266
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   493 8,745 SH   DFND 1 0 0 8,745
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   1,043 18,844 SH   DFND 1 0 0 18,844
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   258 4,668 SH   SOLE   0 0 4,668
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   24,257 391,626 SH   SOLE   0 0 391,626
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   144,049 2,325,628 SH   DFND 1 0 0 2,325,628
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   462 12,495 SH   DFND 1 0 0 12,495
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   631 13,529 SH   DFND 1 0 0 13,529
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   64 1,378 SH   SOLE   0 0 1,378
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   18,964 139,054 SH   SOLE   0 0 139,054
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   60,683 444,957 SH   DFND 1 0 0 444,957
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   50,769 704,833 SH   DFND 1 0 0 704,833
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   15,190 210,878 SH   SOLE   0 0 210,878
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   88 2,331 SH   SOLE   0 0 2,331
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   220 5,855 SH   DFND 1 0 0 5,855
SELECT SECTOR SPDR TR INDL 81369Y704   1,231 10,802 SH   DFND 1 0 0 10,802
SELECT SECTOR SPDR TR INDL 81369Y704   168 1,478 SH   SOLE   0 0 1,478
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   9 147 SH   SOLE   0 0 147
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   243 3,829 SH   DFND 1 0 0 3,829
SHOPIFY INC CL A 82509L107   206 2,649 SH   DFND 1 0 0 2,649
SHOPIFY INC CL A 82509L107   1 10 SH   SOLE   0 0 10
SHORE BANCSHARES INC COM 825107105   165 11,594 SH   DFND 1 0 0 11,594
T-MOBILE US INC COM 872590104   2,196 13,697 SH   DFND 1 0 0 13,697
T-MOBILE US INC COM 872590104   752 4,692 SH   SOLE   0 0 4,692
TESLA INC COM 88160R101   218 877 SH   SOLE   0 0 877
TESLA INC COM 88160R101   1,292 5,199 SH   DFND 1 0 0 5,199
THERMO FISHER SCIENTIFIC INC COM 883556102   35,297 66,499 SH   DFND 1 0 0 66,499
THERMO FISHER SCIENTIFIC INC COM 883556102   11,111 20,932 SH   SOLE   0 0 20,932
TOWNEBANK PORTSMOUTH VA COM 89214P109   200 6,727 SH   DFND 1 0 0 6,727
TRUIST FINL CORP COM 89832Q109   254 6,890 SH   DFND 1 0 0 6,890
UNITEDHEALTH GROUP INC COM 91324P102   766 1,455 SH   DFND 1 0 0 1,455
UNITEDHEALTH GROUP INC COM 91324P102   129 246 SH   SOLE   0 0 246
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   1,025 19,844 SH   SOLE   0 0 19,844
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   689 13,336 SH   DFND 1 0 0 13,336
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,087 6,382 SH   DFND 1 0 0 6,382
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   235 1,380 SH   SOLE   0 0 1,380
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,833 142,646 SH   SOLE   0 0 142,646
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,798 183,665 SH   DFND 1 0 0 183,665
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,927 35,175 SH   DFND 1 0 0 35,175
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   810 7,254 SH   SOLE   0 0 7,254
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   4,258 64,038 SH   SOLE   0 0 64,038
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   17,907 269,321 SH   DFND 1 0 0 269,321
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   1,390 17,524 SH   DFND 1 0 0 17,524
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   725 9,134 SH   SOLE   0 0 9,134
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   396 7,048 SH   DFND 1 0 0 7,048
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   2,535 61,670 SH   DFND 1 0 0 61,670
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,850 93,684 SH   SOLE   0 0 93,684
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   3 12 SH   SOLE   0 0 12
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,197 4,774 SH   DFND 1 0 0 4,774
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,904 3,934 SH   DFND 1 0 0 3,934
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   486 1,112 SH   DFND 1 0 0 1,112
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,326 3,036 SH   SOLE   0 0 3,036
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   592 4,084 SH   SOLE   0 0 4,084
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   559 3,857 SH   DFND 1 0 0 3,857
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   812 3,698 SH   DFND 1 0 0 3,698
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   581 2,644 SH   SOLE   0 0 2,644
VANGUARD INDEX FDS SML CP GRW ETF 922908595   595 2,459 SH   SOLE   0 0 2,459
VANGUARD INDEX FDS SML CP GRW ETF 922908595   485 2,007 SH   DFND 1 0 0 2,007
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   321 1,953 SH   DFND 1 0 0 1,953
VANGUARD INDEX FDS GROWTH ETF 922908736   157,805 507,608 SH   DFND 1 0 0 507,608
VANGUARD INDEX FDS GROWTH ETF 922908736   45,685 146,955 SH   SOLE   0 0 146,955
VANGUARD INDEX FDS VALUE ETF 922908744   24,173 161,696 SH   SOLE   0 0 161,696
VANGUARD INDEX FDS VALUE ETF 922908744   15,817 105,803 SH   DFND 1 0 0 105,803
VANGUARD INDEX FDS SMALL CP ETF 922908751   436 2,043 SH   DFND 1 0 0 2,043
VANGUARD INDEX FDS SMALL CP ETF 922908751   72 336 SH   SOLE   0 0 336
VANGUARD INDEX FDS TOTAL STK MKT 922908769   86 364 SH   SOLE   0 0 364
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,632 11,095 SH   DFND 1 0 0 11,095
VERIZON COMMUNICATIONS INC COM 92343V104   263 6,964 SH   DFND 1 0 0 6,964
VERIZON COMMUNICATIONS INC COM 92343V104   26 682 SH   SOLE   0 0 682
VISA INC COM CL A 92826C839   32 122 SH   SOLE   0 0 122
VISA INC COM CL A 92826C839   422 1,619 SH   DFND 1 0 0 1,619
WALMART INC COM 931142103   27,123 172,045 SH   DFND 1 0 0 172,045
WALMART INC COM 931142103   8,305 52,680 SH   SOLE   0 0 52,680
WASTE CONNECTIONS INC COM 94106B101   719 4,814 SH   SOLE   0 0 4,814
WASTE CONNECTIONS INC COM 94106B101   2,134 14,297 SH   DFND 1 0 0 14,297
WISDOMTREE TR EMER MKT HIGH FD 97717W315   10,452 256,934 SH   DFND 1 0 0 256,934
WISDOMTREE TR EMER MKT HIGH FD 97717W315   2,451 60,262 SH   SOLE   0 0 60,262
WISDOMTREE TR US MIDCAP DIVID 97717W505   1,062 23,249 SH   SOLE   0 0 23,249
WISDOMTREE TR US MIDCAP DIVID 97717W505   5,349 117,074 SH   DFND 1 0 0 117,074
WISDOMTREE TR US SMALLCAP DIVD 97717W604   4,223 131,260 SH   DFND 1 0 0 131,260
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,011 31,433 SH   SOLE   0 0 31,433
WISDOMTREE TR INTL EQUITY FD 97717W703   8 151 SH   SOLE   0 0 151
WISDOMTREE TR INTL EQUITY FD 97717W703   288 5,487 SH   DFND 1 0 0 5,487
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   90,172 1,794,833 SH   DFND 1 0 0 1,794,833
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   23,000 457,808 SH   SOLE   0 0 457,808
ZOETIS INC CL A 98978V103   231 1,170 SH   DFND 1 0 0 1,170
ZIPRECRUITER INC CL A 98980B103   336 24,166 SH   SOLE   0 0 24,166
AMDOCS LTD SHS G02602103   658 7,491 SH   SOLE   0 0 7,491
AMDOCS LTD SHS G02602103   1,982 22,549 SH   DFND 1 0 0 22,549
EATON CORP PLC SHS G29183103   211 875 SH   DFND 1 0 0 875
EVEREST GROUP LTD COM G3223R108   1,866 5,279 SH   DFND 1 0 0 5,279
EVEREST GROUP LTD COM G3223R108   621 1,757 SH   SOLE   0 0 1,757