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
APPLE INC COM 037833100   435,461 2,245 SH   SOLE   2,245 0 0
ARCHER DANIELS MIDLAND CO COM 039483102   332,464 4,400 SH   SOLE   4,400 0 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   2,806,588 91,811 SH   SOLE   91,287 524 0
BARCLAYS BANK PLC DJUBS CMDT ETN36 06738C778   13,297 435 SH   DFND   435 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   358,050 1,050 SH   SOLE   1,050 0 0
CHEVRON CORP NEW COM 166764100   309,348 1,966 SH   SOLE   1,966 0 0
CHEVRON CORP NEW COM 166764100   78,675 500 SH   DFND   500 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   1,563,976 49,446 SH   SOLE   49,446 0 0
ISHARES INC MSCI AUST ETF 464286103   1,077,385 47,778 SH   SOLE   47,778 0 0
ISHARES INC MSCI BELGIUM ETF 464286301   205,065 11,573 SH   SOLE   11,573 0 0
ISHARES INC MSCI EMERG MRKT 464286533   4,390,243 79,853 SH   SOLE   79,473 380 0
ISHARES INC MSCI EMERG MRKT 464286533   17,373 316 SH   DFND   316 0 0
ISHARES INC MSCI FRANCE ETF 464286707   2,340,921 60,756 SH   SOLE   60,756 0 0
ISHARES INC MSCI GERMANY ETF 464286806   1,812,727 63,449 SH   SOLE   63,449 0 0
ISHARES INC MSCI HONG KG ETF 464286871   441,872 22,860 SH   SOLE   22,860 0 0
ISHARES INC MSCI ITALY ETF 46434G830   591,646 18,588 SH   SOLE   18,588 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822   4,802,812 77,590 SH   SOLE   77,590 0 0
ISHARES INC MSCI MEXICO ETF 464286822   292,797 4,709 SH   SOLE   4,709 0 0
ISHARES INC MSCI NETHERL ETF 464286814   778,813 17,995 SH   SOLE   17,995 0 0
ISHARES INC MSCI SINGPOR ETF 46434G780   301,942 16,313 SH   SOLE   16,313 0 0
ISHARES INC MSCI SPAIN ETF 464286764   619,317 21,431 SH   SOLE   21,431 0 0
ISHARES INC MSCI SWEDEN ETF 464286756   553,464 15,626 SH   SOLE   15,626 0 0
ISHARES INC MSCI SWITZERLAND 464286749   1,602,507 34,679 SH   SOLE   34,679 0 0
ISHARES INC MSCI TAIWAN ETF 46434G772   218,870 4,655 SH   SOLE   4,655 0 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   2,824,594 144,929 SH   SOLE   144,112 817 0
ISHARES S&P GSCI COMMODITY- UNIT BEN INT 46428R107   13,233 679 SH   DFND   679 0 0
ISHARES TR 1 3 YR TREAS BD 464287457   412,530 5,088 SH   SOLE   5,088 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   1,097,382 9,521 SH   SOLE   9,521 0 0
ISHARES TR 7-10 YR TRSY BD 464287440   222,465 2,303 SH   SOLE   2,303 0 0
ISHARES TR CORE S&P MCP ETF 464287507   5,778,635 22,100 SH   SOLE   21,940 160 0
ISHARES TR CORE S&P MCP ETF 464287507   12,289 47 SH   DFND   47 0 0
ISHARES TR CORE S&P500 ETF 464287200   3,825,519 8,583 SH   SOLE   8,583 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   490,818 6,730 SH   SOLE   6,730 0 0
ISHARES TR JPMORGAN USD EMG 464288281   6,155,693 71,132 SH   SOLE   70,696 436 0
ISHARES TR JPMORGAN USD EMG 464288281   17,394 201 SH   DFND   201 0 0
ISHARES TR MSCI DENMARK ETF 46429B523   575,484 5,387 SH   SOLE   5,387 0 0
ISHARES TR MSCI EAFE ETF 464287465   10,703,064 147,629 SH   SOLE   145,788 1,841 0
ISHARES TR MSCI EAFE ETF 464287465   39,077 539 SH   DFND   539 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   262,630 6,639 SH   SOLE   6,639 0 0
ISHARES TR MSCI IRELAND ETF 46429B507   212,080 3,681 SH   SOLE   3,681 0 0
ISHARES TR MSCI UK ETF NEW 46435G334   2,749,543 84,994 SH   SOLE   84,994 0 0
ISHARES TR NATIONAL MUN ETF 464288414   932,071 8,733 SH   SOLE   8,733 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   9,463 39 SH   DFND   39 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   3,019,343 12,443 SH   SOLE   12,346 97 0
ISHARES TR RUS 2000 VAL ETF 464287630   13,798 98 SH   DFND   98 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   4,495,119 31,926 SH   SOLE   31,682 244 0
ISHARES TR RUSSELL 2000 ETF 464287655   23,408 125 SH   DFND   125 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   7,707,027 41,155 SH   SOLE   40,845 310 0
ISHARES TR S&P 500 GRWT ETF 464287309   1,419,458 20,140 SH   SOLE   20,140 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,072,709 6,655 SH   SOLE   6,655 0 0
ISHARES TR S&P MC 400GR ETF 464287606   2,328,000 31,040 SH   SOLE   30,817 223 0
ISHARES TR S&P MC 400GR ETF 464287606   4,950 66 SH   DFND   66 0 0
ISHARES TR S&P MC 400VL ETF 464287705   3,429,583 32,014 SH   SOLE   31,779 235 0
ISHARES TR S&P MC 400VL ETF 464287705   7,499 70 SH   DFND   70 0 0
JOHNSON & JOHNSON COM 478160104   294,955 1,782 SH   SOLE   1,782 0 0
MICROSOFT CORP COM 594918104   481,862 1,415 SH   SOLE   1,415 0 0
PFIZER INC COM 717081103   259,694 7,080 SH   SOLE   7,080 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   1,094,788 44,201 SH   SOLE   43,971 230 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863   4,731 191 SH   DFND   191 0 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   2,585,975 28,100 SH   SOLE   27,876 224 0
SPDR SER TR BLOOMBERG HIGH Y 78468R622   18,037 196 SH   DFND   196 0 0
SPDR SER TR BLOOMBERG INTL 78464A151   627,815 22,122 SH   SOLE   21,053 1,069 0
SPDR SER TR FTSE INT GVT ETF 78464A490   1,071,759 25,665 SH   SOLE   24,951 714 0
SPDR SER TR NUVEEN BLMBRG MU 78468R721   868,729 18,820 SH   SOLE   18,820 0 0
SPDR SER TR NUVEEN BLMBRG SH 78468R739   1,869,383 39,732 SH   SOLE   39,732 0 0
VANECK ETF TRUST HIGH YLD MUNIETF 92189H409   713,208 13,892 SH   SOLE   13,892 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   2,496,524 54,190 SH   SOLE   54,190 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,384,589 44,990 SH   SOLE   44,990 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   627,979 8,310 SH   SOLE   8,310 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   1,035,679 14,248 SH   SOLE   14,248 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736   4,498,436 15,898 SH   SOLE   15,708 190 0
VANGUARD INDEX FDS GROWTH ETF 922908736   31,408 111 SH   DFND   111 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   44,598 220 SH   DFND   220 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   10,152,764 50,083 SH   SOLE   49,456 627 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   9,609 115 SH   DFND   115 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,458,011 29,417 SH   SOLE   29,279 138 0
VANGUARD INDEX FDS VALUE ETF 922908744   69,771 491 SH   DFND   491 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   6,593,512 46,401 SH   SOLE   45,897 504 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   5,312,363 97,637 SH   SOLE   96,266 1,371 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   21,872 402 SH   DFND   402 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   40,680 1,000 SH   DFND   1,000 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   8,904,166 218,885 SH   SOLE   217,682 1,203 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   3,262,666 41,284 SH   SOLE   41,284 0 0
VANGUARD WORLD FDS COMM SRVC ETF 92204A884   1,301,968 12,247 SH   SOLE   12,247 0 0
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108   1,554,760 5,490 SH   SOLE   5,490 0 0
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   1,029,992 5,297 SH   SOLE   5,297 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306   562,295 4,981 SH   SOLE   4,981 0 0
VANGUARD WORLD FDS FINANCIALS ETF 92204A405   1,679,711 20,676 SH   SOLE   20,676 0 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   2,064,560 8,433 SH   SOLE   8,433 0 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   1,170,486 5,695 SH   SOLE   5,695 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702   4,161,600 9,412 SH   SOLE   9,412 0 0
VANGUARD WORLD FDS MATERIALS ETF 92204A801   363,384 1,997 SH   SOLE   1,997 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   390,531 2,747 SH   SOLE   2,747 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422   299,448 8,605 SH   SOLE   8,605 0 0