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
SH COM 002824100 795 9,458 SH   DFND 1, 2 0 0 9,458
SH COM 009158106 358 1,584 SH   DFND 1, 2 0 0 1,584
SH COM 023135106 338 179 SH   DFND 1, 2 0 0 179
SH COM 031162100 946 5,137 SH   DFND 1, 2 0 0 5,137
SH COM 032654105 205 1,821 SH   DFND 1, 2 0 0 1,821
SH COM 037833100 1,608 8,128 SH   DFND 1, 2 0 0 8,128
SH COM 053015103 514 3,112 SH   DFND 1, 2 0 0 3,112
SH CL B NEW 084670702 381 1,788 SH   DFND 1, 2 0 0 1,788
SH COM 097023105 842 2,314 SH   DFND 1, 2 0 0 2,314
SH COM 126408103 278 3,604 SH   DFND 1, 2 0 0 3,604
SH COM 126650100 816 14,988 SH   DFND 1, 2 0 0 14,988
SH COM 166764100 207 1,666 SH   DFND 1, 2 0 0 1,666
SH COM NEW 172967424 804 11,494 SH   DFND 1, 2 0 0 11,494
SH COM 191216100 234 4,605 SH   DFND 1, 2 0 0 4,605
SH COM 194162103 229 3,207 SH   DFND 1, 2 0 0 3,207
SH COM NEW 247361702 680 11,985 SH   DFND 1, 2 0 0 11,985
SH COM DISNEY 254687106 1,449 10,381 SH   DFND 1, 2 0 0 10,381
SH COM 291011104 209 3,135 SH   DFND 1, 2 0 0 3,135
SH COM 375558103 877 12,983 SH   DFND 1, 2 0 0 12,983
SH EQUITY ETF 381430503 343 5,850 SH   DFND 1, 2 0 0 5,850
SH COM 437076102 961 4,625 SH   DFND 1, 2 0 0 4,625
SH COM 438516106 889 5,094 SH   DFND 1, 2 0 0 5,094
SH COM 452308109 417 2,768 SH   DFND 1, 2 0 0 2,768
SH COM 458140100 519 10,846 SH   DFND 1, 2 0 0 10,846
iShares ISHARES 464285105 7,443 551,381 SH   DFND 1, 2 0 0 551,381
iShares CORE S&P500 ETF 464287200 29,011 98,428 SH   DFND 1, 2 0 0 98,428
iShares CORE US AGGBD ET 464287226 18,318 164,510 SH   DFND 1, 2 0 0 164,510
iShares BARCLAYS 7 10 YR 464287440 26,047 236,751 SH   DFND 1, 2 0 0 236,751
iShares CORE S&P MCP ETF 464287507 22,271 114,649 SH   DFND 1, 2 0 0 114,649
iShares RUSSELL 2000 ETF 464287655 406 2,616 SH   DFND 1, 2 0 0 2,616
iShares MSCI ACWI EX US 464288240 330 7,060 SH   DFND 1, 2 0 0 7,060
iShares SHORT TREAS BD 464288679 453 4,098 SH   DFND 1, 2 0 0 4,098
SH COM 478160104 1,330 9,551 SH   DFND 1, 2 0 0 9,551
SH COM 539830109 333 916 SH   DFND 1, 2 0 0 916
SH COM 580135101 1,009 4,859 SH   DFND 1, 2 0 0 4,859
SH COM 594918104 2,028 15,145 SH   DFND 1, 2 0 0 15,145
SH CL A 609207105 729 13,527 SH   DFND 1, 2 0 0 13,527
SH CL B 654106103 532 6,343 SH   DFND 1, 2 0 0 6,343
SH COM 693475105 656 4,784 SH   DFND 1, 2 0 0 4,784
SH COM 713448108 966 7,370 SH   DFND 1, 2 0 0 7,370
SH COM 717081103 1,180 27,255 SH   DFND 1, 2 0 0 27,255
SH COM 718546104 865 9,258 SH   DFND 1, 2 0 0 9,258
SH COM 742718109 1,309 11,945 SH   DFND 1, 2 0 0 11,945
SH COM 747525103 1,119 14,710 SH   DFND 1, 2 0 0 14,710
SH COM NEW 755111507 495 2,847 SH   DFND 1, 2 0 0 2,847
SH SPONS ADR 2 ORD 780097689 59 10,440 SH   DFND 1, 2 0 0 10,440
SH SPON ADR B 780259107 766 11,652 SH   DFND 1, 2 0 0 11,652
Charles Schwab US DIVIDEND EQ 808524797 12,608 237,586 SH   DFND 1, 2 0 0 237,586
SH COM 855244109 201 2,405 SH   DFND 1, 2 0 0 2,405
SH COM 857477103 643 11,485 SH   DFND 1, 2 0 0 11,485
SH COM 862121100 649 19,563 SH   DFND 1, 2 0 0 19,563
SH COM 863667101 381 1,853 SH   DFND 1, 2 0 0 1,853
SH COM 872540109 783 14,825 SH   DFND 1, 2 0 0 14,825
SH COM 882508104 253 2,210 SH   DFND 1, 2 0 0 2,210
SH COM 883556102 3,626 12,348 SH   DFND 1, 2 0 0 12,348
SH COM 907818108 1,104 6,531 SH   DFND 1, 2 0 0 6,531
SH COM 913017109 998 7,672 SH   DFND 1, 2 0 0 7,672
SH COM 918204108 899 10,293 SH   DFND 1, 2 0 0 10,293
Vanguard DIV APP ETF 921908844 4,885 42,424 SH   DFND 1, 2 0 0 42,424
Vanguard MIDCP 400 IDX 921932885 585 4,459 SH   DFND 1, 2 0 0 4,459
Vanguard SHORT TRM BOND 921937827 27,311 339,143 SH   DFND 1, 2 0 0 339,143
Vanguard TOTAL BND MRKT 921937835 244 2,942 SH   DFND 1, 2 0 0 2,942
Vanguard FTSE DEV MKT ETF 921943858 28,719 688,560 SH   DFND 1, 2 0 0 688,560
Vanguard ALLWRLD EX US 922042775 880 17,271 SH   DFND 1, 2 0 0 17,271
Vanguard FTSE EMR MKT ETF 922042858 11,537 271,286 SH   DFND 1, 2 0 0 271,286
Vanguard SMALL CP ETF 922908751 219 1,399 SH   DFND 1, 2 0 0 1,399
Vanguard TOTAL STK MKT 922908769 7,475 49,803 SH   DFND 1, 2 0 0 49,803
Invesco UNIT SER 1 46090E103 7,708 41,277 SH   DFND 1, 2 0 0 41,277
SH COM 89417E109 650 4,348 SH   DFND 1, 2 0 0 4,348
SH COM 00206R102 732 21,848 SH   DFND 1, 2 0 0 21,848
SH CAP STK CL C 02079K107 317 294 SH   DFND 1, 2 0 0 294
SH CAP STK CL A 02079K305 243 225 SH   DFND 1, 2 0 0 225
SH COM 03076C106 650 4,482 SH   DFND 1, 2 0 0 4,482
SH COM 11133T103 876 6,865 SH   DFND 1, 2 0 0 6,865
SH COM 11135F101 926 3,220 SH   DFND 1, 2 0 0 3,220
SH COM 17275R102 1,157 21,149 SH   DFND 1, 2 0 0 21,149
SH CL A 20030N101 240 5,690 SH   DFND 1, 2 0 0 5,690
SH SPON ADR NEW 25243Q205 411 2,390 SH   DFND 1, 2 0 0 2,390
SH COM 29250N105 719 19,942 SH   DFND 1, 2 0 0 19,942
SH COM 30161N101 743 15,513 SH   DFND 1, 2 0 0 15,513
SH COM 30231G102 567 7,406 SH   DFND 1, 2 0 0 7,406
Invesco FTSE RAFI 1000 46137V613 317 2,725 SH   DFND 1, 2 0 0 2,725
Invesco DYNMC LRG VALU 46137V738 345 9,364 SH   DFND 1, 2 0 0 9,364
Invesco S&P500 LOW VOL 46138E354 2,402 43,664 SH   DFND 1, 2 0 0 43,664
iShares MIN VOL EAFE ETF 46429B689 293 4,033 SH   DFND 1, 2 0 0 4,033
iShares USA QUALITY FCTR 46432F339 356 3,900 SH   DFND 1, 2 0 0 3,900
iShares ESG MSCI EAFE 46435G516 416 6,471 SH   DFND 1, 2 0 0 6,471
SH COM 46625H100 1,526 13,654 SH   DFND 1, 2 0 0 13,654
SH CL A 57636Q104 1,307 4,944 SH   DFND 1, 2 0 0 4,944
SH COM 58933Y105 230 2,745 SH   DFND 1, 2 0 0 2,745
SH COM 68389X105 202 3,549 SH   DFND 1, 2 0 0 3,549
SH COM 78377T107 657 8,103 SH   DFND 1, 2 0 0 8,103
SPDR TR UNIT 78462F103 4,632 15,811 SH   DFND 1, 2 0 0 15,811
SH PORTFOLIO INTRMD 78464A375 307 8,814 SH   DFND 1, 2 0 0 8,814
SH PORTFOLIO SHORT 78464A474 15,414 500,810 SH   DFND 1, 2 0 0 500,810
SH SPDR BLOOMBERG 78468R663 1,424 15,555 SH   DFND 1, 2 0 0 15,555
SH COM 88579Y101 349 2,018 SH   DFND 1, 2 0 0 2,018
SH COM 92343V104 1,332 23,327 SH   DFND 1, 2 0 0 23,327
SH COM CL A 92826C839 248 1,431 SH   DFND 1, 2 0 0 1,431
SH COM 94106L109 214 1,858 SH   DFND 1, 2 0 0 1,858
SH COM 98389B100 744 12,518 SH   DFND 1, 2 0 0 12,518
SH SHS CLASS A G1151C101 1,048 5,673 SH   DFND 1, 2 0 0 5,673
SH SHS G5960L103 918 9,435 SH   DFND 1, 2 0 0 9,435
SH COM H1467J104 812 5,517 SH   DFND 1, 2 0 0 5,517
SH REG SHS H84989104 948 9,904 SH   DFND 1, 2 0 0 9,904
SH SHS - A - N53745100 749 8,702 SH   DFND 1, 2 0 0 8,702
SH COM V7780T103 655 5,407 SH   DFND 1, 2 0 0 5,407