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 TR CORE S&P TTL STK 464287150   441,214 5,203 SH   DFND   0 6,591 0
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664   37,334 344 SH   DFND   0 237 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   2,821,812 62,499 SH   DFND   0 60,646 0
ISHARES TR LATN AMER 40 ETF 464287390   4,006 175 SH   DFND   0 175 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   867 19 SH   DFND   0 19 0
FS KKR CAP CORP COM 302635206   243,569 13,918 SH   DFND   0 13,918 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   64,978 1,604 SH   DFND   0 1,604 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   8,173 167 SH   DFND   0 167 0
FIDELITY COVINGTON TRUST STOCK FOR INFL 316092386   7,149 231 SH   DFND   0 231 0
ISHARES TR U.S. BAS MTL ETF 464287838   823,981 6,604 SH   DFND   0 7,455 0
ISHARES TR IBOXX INV CP ETF 464287242   13,390 127 SH   DFND   0 127 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,586 67 SH   DFND   0 67 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   176,959 3,185 SH   DFND   0 3,185 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,827,764 27,685 SH   DFND   0 26,855 0
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134   1,763 46 SH   DFND   0 46 0
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101   376,151 29,159 SH   DFND   0 29,159 0
ISHARES TR S&P 500 GRWT ETF 464287309   181,350 3,100 SH   DFND   0 3,100 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706   31,583 433 SH   DFND   0 433 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,182,494 93,338 SH   DFND   0 98,149 0
INVESCO EXCHANGE TRADED FD T S&P SMCP VLU MNT 46137V480   7,044 154 SH   DFND   0 154 0
REALTY INCOME CORP COM 756109104   486,254 7,666 SH   DFND   0 7,666 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   55,970 412 SH   DFND   0 412 0
MAIN STR CAP CORP COM 56035L104   265,933 7,197 SH   DFND   0 7,197 0
ISHARES TR US CONSM STAPLES 464287812   1,361,262 6,713 SH   DFND   0 6,615 0
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   677,512 9,163 SH   DFND   0 9,068 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL UTL 46137V274   2,095,283 18,010 SH   DFND   0 16,663 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   1,776 37 SH   DFND   0 37 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   3,922 29 SH   DFND   0 29 0
APPLE INC COM 037833100   370,233 2,849 SH   DFND   0 2,849 0
ISHARES TR GLOBAL ENERG ETF 464287341   174,792 4,483 SH   DFND   0 0 0
SPDR SER TR S&P BIOTECH 78464A870   10,541 127 SH   DFND   0 127 0
ISHARES TR CORE S&P500 ETF 464287200   963,733 2,508 SH   DFND   0 2,517 0
ISHARES TR S&P MC 400GR ETF 464287606   137,761 2,017 SH   DFND   0 2,017 0
COSTAR GROUP INC COM 22160N109   309,120 4,000 SH   DFND   0 4,000 0
ISHARES TR U.S. UTILITS ETF 464287697   270,264 3,123 SH   DFND   0 3,151 0
ISHARES TR U.S. ENERGY ETF 464287796   92,143 1,982 SH   DFND   0 1,982 0
ISHARES TR DOW JONES US ETF 464287846   495,285 5,300 SH   DFND   0 5,497 0
SPDR SER TR PORTFOLIO INTRMD 78464A375   2,196 69 SH   DFND   0 69 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   35,370 185 SH   DFND   0 185 0
SPDR SER TR S&P 600 SMCP VAL 78464A300   52,102 702 SH   DFND   0 702 0
INVESCO EXCHANGE TRADED FD T DYNMC MEDIA 46137V696   3,468 108 SH   DFND   0 108 0
ISHARES TR GLOBAL TECH ETF 464287291   14,435 322 SH   DFND   0 322 0
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   23,007 623 SH   DFND   0 623 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   1,692 24 SH   DFND   0 24 0
ISHARES TR CORE US AGGBD ET 464287226   10,960 113 SH   DFND   0 113 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   158,551 1,122 SH   DFND   0 1,122 0
ISHARES TR U.S. REAL ES ETF 464287739   97,155 1,154 SH   DFND   0 9,712 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   2,259 23 SH   DFND   0 23 0
SPDR SER TR PORTFOLIO LN TSR 78464A664   9,290 320 SH   DFND   0 320 0
ISHARES TR RUSSELL 2000 ETF 464287655   1,046 6 SH   DFND   0 6 0
ISHARES TR U.S. FINLS ETF 464287788   32,226 427 SH   DFND   0 427 0
SPDR SER TR PORTFLI INTRMDIT 78464A672   12,793 453 SH   DFND   0 453 0
ISHARES TR TIPS BD ETF 464287176   1,809 17 SH   DFND   0 17 0
THE NECESSITY RETAIL REIT IN COM CLASS A 02607T109   128,278 21,632 SH   DFND   0 23,853 0
ISHARES TR COHEN STEER REIT 464287564   26,104 476 SH   DFND   0 476 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   1,352,601 28,039 SH   DFND   0 29,673 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   105,751 1,209 SH   DFND   0 1,209 0
INVESCO EXCHANGE TRADED FD T BUYBACK ACHIEV 46137V308   23,957 280 SH   DFND   0 280 0
ISHARES TR RUS MDCP VAL ETF 464287473   6,215 59 SH   DFND   0 59 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   25,058 862 SH   DFND   0 862 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233   112,634 408 SH   DFND   0 408 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL IND 46137V324   52,590 295 SH   DFND   0 295 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876   2,028,646 13,228 SH   DFND   0 10,559 0
ISHARES TR US HLTHCARE ETF 464287762   2,082,999 7,342 SH   DFND   0 7,234 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL MAT 46137V316   2,221 14 SH   DFND   0 14 0
INVESCO EXCHANGE TRADED FD T DYNMC MKT ETF 46137V712   2,495 24 SH   DFND   0 24 0
SPDR INDEX SHS FDS ASIA PACIF ETF 78463X301   40,712 424 SH   DFND   0 424 0
ISHARES TR US INDUSTRIALS 464287754   42,635 442 SH   DFND   0 3,776 0
ISHARES TR S&P SML 600 GWT 464287887   6,592 61 SH   DFND   0 61 0
VANGUARD INDEX FDS GROWTH ETF 922908736   12,147 57 SH   DFND   0 57 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   639,721 2,579 SH   DFND   0 1,728 0
ISHARES TR EXPANDED TECH 464287515   2,559 10 SH   DFND   0 10 0
ISHARES TR SELECT DIVID ETF 464287168   733,730 6,084 SH   DFND   0 6,084 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763   71,575 1,532 SH   DFND   0 1,532 0
SPDR SER TR PORTFOLI S&P1500 78464A805   73,489 1,554 SH   DFND   0 1,554 0
SPDR SER TR S&P 400 MDCP GRW 78464A821   43,647 668 SH   DFND   0 668 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   288,801 822 SH   DFND   0 822 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   3,573 46 SH   DFND   0 46 0
ISHARES TR US TELECOM ETF 464287713   2,714 121 SH   DFND   0 121 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   30,490 192 SH   DFND   0 192 0
SPDR SER TR PORTFOLIO S&P500 78464A854   46,105 1,025 SH   DFND   0 1,025 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   2,299,589 30,442 SH   DFND   0 30,432 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   18,308 118 SH   DFND   0 118 0
VANGUARD INDEX FDS VALUE ETF 922908744   2,235,673 15,927 SH   DFND   0 18,706 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   24,017 193 SH   DFND   0 193 0
ISHARES TR RUS MID CAP ETF 464287499   27,115 402 SH   DFND   0 402 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   4,378 128 SH   DFND   0 368 0
SCHWAB STRATEGIC TR SCHWAB FDT US BM 808524789   20,890 397 SH   DFND   0 397 0
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,234,956 5,844 SH   DFND   0 6,575 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL DIS 46137V381   10,248 87 SH   DFND   0 87 0
ISHARES TR S&P MC 400VL ETF 464287705   1,314,029 13,036 SH   DFND   0 9,909 0
ISHARES TR U.S. TECH ETF 464287721   50,728 681 SH   DFND   0 681 0
ISHARES TR MSCI EMG MKT ETF 464287234   64,999 1,715 SH   DFND   0 1,715 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL STP 46137V373   8,696 51 SH   DFND   0 51 0
BRIGHTSPIRE CAPITAL INC COM CL A 10949T109   100,907 16,197 SH   DFND   0 16,197 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   100,434 1,531 SH   DFND   0 1,531 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL ENR 46137V365   432,724 5,953 SH   DFND   0 5,010 0
ISHARES TR CORE S&P US VLU 464287663   25,074 355 SH   DFND   0 355 0
SOUTHWEST AIRLS CO COM 844741108   353,771 10,507 SH   DFND   0 10,507 0
PHILLIPS EDISON & CO INC COMMON STOCK 71844V201   1,462,730 45,940 SH   DFND   0 46,727 0
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   16,072 88 SH   DFND   0 88 0
ISHARES TR US CONSUM DISCRE 464287580   1,652 29 SH   DFND   0 29 0
ISHARES TR SP SMCP600VL ETF 464287879   882,146 9,661 SH   DFND   0 6,349 0
ISHARES TR RUS 2000 VAL ETF 464287630   2,357 17 SH   DFND   0 17 0
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824   279,112 6,044 SH   DFND   0 6,044 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   211,783 3,963 SH   DFND   0 3,963 0
INVESCO EXCHANGE TRADED FD T S&P MDCP400 PR 46137V217   4,835 27 SH   DFND   0 27 0
PROSHARES TR S&P 500 DV ARIST 74348A467   810,168 9,003 SH   DFND   0 9,003 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   139,764 485 SH   DFND   0 533 0
ISHARES TR S&P 500 VAL ETF 464287408   1,607,521 11,081 SH   DFND   0 8,764 0
FIDELITY COVINGTON TRUST HIGH YILD ETF 316092618   5,198 113 SH   DFND   0 113 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   37,412 962 SH   DFND   0 962 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   12,067 233 SH   DFND   0 233 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541   728,716 12,780 SH   DFND   0 14,209 0
GLOBAL NET LEASE INC COM NEW 379378201   294,264 23,410 SH   DFND   0 23,410 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   137,615 566 SH   DFND   0 566 0
VANGUARD INDEX FDS MID CAP ETF 922908629   19,158 94 SH   DFND   0 94 0
ISHARES TR RUS MD CP GR ETF 464287481   84,352 1,009 SH   DFND   0 1,009 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730   71,490 2,885 SH   DFND   0 2,885 0
ISHARES TR RUS 1000 VAL ETF 464287598   18,350 121 SH   DFND   0 121 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL FIN 46137V340   8,856 157 SH   DFND   0 157 0
INVESCO EXCHANGE TRADED FD T GLOBAL DRGN CN 46137V571   5,056 185 SH   DFND   0 185 0
ISHARES TR GLOBAL 100 ETF 464287572   32,281 504 SH   DFND   0 504 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308   548,166 7,353 SH   DFND   0 6,615 0
SPDR SER TR S&P TRANSN ETF 78464A532   7,057 105 SH   DFND   0 105 0
SPDR SER TR BBG CONV SEC ETF 78464A359   154,223 2,397 SH   DFND   0 2,397 0