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 037833100 1,908 8,521 SH   DFND 1,2 0 0 8,521
SH COM 002824100 807 9,648 SH   DFND 1,2 0 0 9,648
SH SHS CLASS A G1151C101 1,119 5,815 SH   DFND 1,2 0 0 5,815
iShares MSCI ACWI EX US 464288240 371 8,060 SH   DFND 1,2 0 0 8,060
SH COM 032654105 210 1,880 SH   DFND 1,2 0 0 1,880
SH COM 053015103 483 2,993 SH   DFND 1,2 0 0 2,993
iShares CORE US AGGBD ET 464287226 20,317 179,523 SH   DFND 1,2 0 0 179,523
SH COM 031162100 1,050 5,425 SH   DFND 1,2 0 0 5,425
SH COM 03076C106 692 4,705 SH   DFND 1,2 0 0 4,705
SH COM 023135106 349 201 SH   DFND 1,2 0 0 201
SH COM 009158106 354 1,594 SH   DFND 1,2 0 0 1,594
SH COM 11135F101 912 3,304 SH   DFND 1,2 0 0 3,304
SH COM 025816109 288 2,435 SH   DFND 1,2 0 0 2,435
SH COM 097023105 911 2,393 SH   DFND 1,2 0 0 2,393
SH SPONSORED ADS 091727107 150 10,000 SH   DFND 1,2 0 0 10,000
Vanguard TOTAL BND MRKT 921937835 277 3,278 SH   DFND 1,2 0 0 3,278
SH COM 11133T103 877 7,051 SH   DFND 1,2 0 0 7,051
SH CL B NEW 084670702 495 2,381 SH   DFND 1,2 0 0 2,381
Vanguard SHORT TRM BOND 921937827 33,127 410,036 SH   DFND 1,2 0 0 410,036
SH COM CL A 09260D107 206 4,210 SH   DFND 1,2 0 0 4,210
SH COM NEW 172967424 830 12,016 SH   DFND 1,2 0 0 12,016
SH COM H1467J104 917 5,679 SH   DFND 1,2 0 0 5,679
SH COM 194162103 240 3,259 SH   DFND 1,2 0 0 3,259
SH CL A 20030N101 275 6,091 SH   DFND 1,2 0 0 6,091
SH COM 17275R102 1,076 21,779 SH   DFND 1,2 0 0 21,779
SH COM 126408103 251 3,630 SH   DFND 1,2 0 0 3,630
SH COM 126650100 1,025 16,253 SH   DFND 1,2 0 0 16,253
SH COM 166764100 223 1,883 SH   DFND 1,2 0 0 1,883
SH COM NEW 247361702 705 12,231 SH   DFND 1,2 0 0 12,231
SH SPON ADR NEW 25243Q205 374 2,285 SH   DFND 1,2 0 0 2,285
SH COM DISNEY 254687106 1,390 10,670 SH   DFND 1,2 0 0 10,670
iShares MIN VOL EAFE ETF 46429B689 333 4,541 SH   DFND 1,2 0 0 4,541
SH COM 291011104 210 3,135 SH   DFND 1,2 0 0 3,135
SH COM 29250N105 686 19,542 SH   DFND 1,2 0 0 19,542
iShares ESG MSCI EAFE 46435G516 410 6,396 SH   DFND 1,2 0 0 6,396
SH COM 30161N101 801 16,583 SH   DFND 1,2 0 0 16,583
SH COM 375558103 856 13,505 SH   DFND 1,2 0 0 13,505
SH CAP STK CL C 02079K107 390 320 SH   DFND 1,2 0 0 320
SH CAP STK CL A 02079K305 315 258 SH   DFND 1,2 0 0 258
iShares US TREAS BD ETF 46429B267 202 7,681 SH   DFND 1,2 0 0 7,681
SH COM 437076102 1,107 4,773 SH   DFND 1,2 0 0 4,773
SH COM 438516106 911 5,384 SH   DFND 1,2 0 0 5,384
iShares ISHARES 464285105 7,749 549,555 SH   DFND 1,2 0 0 549,555
iShares BARCLAYS 7 10 YR 464287440 29,641 263,546 SH   DFND 1,2 0 0 263,546
iShares CORE MSCI EAFE 46432F842 211 3,461 SH   DFND 1,2 0 0 3,461
iShares CORE MSCI EMKT 46434G103 440 8,976 SH   DFND 1,2 0 0 8,976
iShares CORE S&P MCP ETF 464287507 22,255 115,173 SH   DFND 1,2 0 0 115,173
SH COM 458140100 544 10,564 SH   DFND 1,2 0 0 10,564
SH COM 452308109 453 2,896 SH   DFND 1,2 0 0 2,896
Vanguard MIDCP 400 IDX 921932885 555 4,253 SH   DFND 1,2 0 0 4,253
iShares CORE S&P500 ETF 464287200 30,491 102,140 SH   DFND 1,2 0 0 102,140
iShares RUSSELL 2000 ETF 464287655 414 2,735 SH   DFND 1,2 0 0 2,735
iShares RUSSELL 3000 ETF 464287689 375 2,160 SH   DFND 1,2 0 0 2,160
SH COM 478160104 1,330 10,276 SH   DFND 1,2 0 0 10,276
SH COM 46625H100 1,790 15,212 SH   DFND 1,2 0 0 15,212
SH COM 191216100 258 4,733 SH   DFND 1,2 0 0 4,733
SH COM 539830109 363 931 SH   DFND 1,2 0 0 931
SH SHS - A - N53745100 794 8,874 SH   DFND 1,2 0 0 8,874
SH CL A 57636Q104 1,378 5,075 SH   DFND 1,2 0 0 5,075
SH COM 580135101 1,073 4,998 SH   DFND 1,2 0 0 4,998
SH CL A 609207105 775 14,006 SH   DFND 1,2 0 0 14,006
SH SHS G5960L103 1,089 10,024 SH   DFND 1,2 0 0 10,024
SH COM 88579Y101 312 1,896 SH   DFND 1,2 0 0 1,896
SH COM 58933Y105 239 2,836 SH   DFND 1,2 0 0 2,836
SH COM 594918104 2,149 15,456 SH   DFND 1,2 0 0 15,456
SH CL B 654106103 599 6,381 SH   DFND 1,2 0 0 6,381
iShares S&P 100 ETF 464287101 280 2,127 SH   DFND 1,2 0 0 2,127
SH COM 68389X105 220 3,996 SH   DFND 1,2 0 0 3,996
SH COM 713448108 1,038 7,573 SH   DFND 1,2 0 0 7,573
SH COM 717081103 1,120 31,167 SH   DFND 1,2 0 0 31,167
SH COM 742718109 1,549 12,456 SH   DFND 1,2 0 0 12,456
SH COM 693475105 699 4,990 SH   DFND 1,2 0 0 4,990
SH COM 718546104 976 9,534 SH   DFND 1,2 0 0 9,534
Invesco DYNMC LRG VALU 46137V738 316 8,256 SH   DFND 1,2 0 0 8,256
SH COM 747525103 1,152 15,097 SH   DFND 1,2 0 0 15,097
Invesco UNIT SER 1 46090E103 7,746 41,024 SH   DFND 1,2 0 0 41,024
iShares USA QUALITY FCTR 46432F339 359 3,890 SH   DFND 1,2 0 0 3,890
SH SPONS ADR 2 ORD 780097689 53 10,440 SH   DFND 1,2 0 0 10,440
SH COM V7780T103 611 5,638 SH   DFND 1,2 0 0 5,638
SH SPON ADR B 780259107 727 12,130 SH   DFND 1,2 0 0 12,130
SH COM 78377T107 659 8,056 SH   DFND 1,2 0 0 8,056
SH COM NEW 755111507 558 2,843 SH   DFND 1,2 0 0 2,843
SH COM 855244109 215 2,428 SH   DFND 1,2 0 0 2,428
Charles Schwab US DIVIDEND EQ 808524797 13,027 237,803 SH   DFND 1,2 0 0 237,803
iShares SHORT TREAS BD 464288679 282 2,547 SH   DFND 1,2 0 0 2,547
Invesco S&P500 LOW VOL 46138E354 2,533 43,754 SH   DFND 1,2 0 0 43,754
SH PORTFOLIO SHORT 78464A474 17,082 553,706 SH   DFND 1,2 0 0 553,706
SPDR TR UNIT 78462F103 4,444 14,976 SH   DFND 1,2 0 0 14,976
SH COM 862121100 730 19,516 SH   DFND 1,2 0 0 19,516
SH COM 857477103 708 11,962 SH   DFND 1,2 0 0 11,962
SH COM 863667101 403 1,864 SH   DFND 1,2 0 0 1,864
SH COM 00206R102 961 25,397 SH   DFND 1,2 0 0 25,397
SH REG SHS H84989104 951 10,207 SH   DFND 1,2 0 0 10,207
SH COM 872540109 853 15,302 SH   DFND 1,2 0 0 15,302
SH COM 89417E109 701 4,714 SH   DFND 1,2 0 0 4,714
SH COM 882508104 283 2,193 SH   DFND 1,2 0 0 2,193
SH COM 907818108 1,078 6,657 SH   DFND 1,2 0 0 6,657
SH COM 913017109 1,087 7,963 SH   DFND 1,2 0 0 7,963
SH COM CL A 92826C839 267 1,550 SH   DFND 1,2 0 0 1,550
Vanguard FTSE DEV MKT ETF 921943858 28,557 695,144 SH   DFND 1,2 0 0 695,144
Vanguard ALLWRLD EX US 922042775 652 13,067 SH   DFND 1,2 0 0 13,067
SH COM 918204108 939 10,549 SH   DFND 1,2 0 0 10,549
Vanguard DIV APP ETF 921908844 5,113 42,760 SH   DFND 1,2 0 0 42,760
Vanguard TOTAL STK MKT 922908769 7,525 49,837 SH   DFND 1,2 0 0 49,837
Vanguard FTSE EMR MKT ETF 922042858 11,128 276,415 SH   DFND 1,2 0 0 276,415
SH COM 92343V104 1,506 24,949 SH   DFND 1,2 0 0 24,949
SH COM 94106L109 215 1,869 SH   DFND 1,2 0 0 1,869
SH COM 98389B100 917 14,131 SH   DFND 1,2 0 0 14,131
SH COM 30231G102 586 8,295 SH   DFND 1,2 0 0 8,295