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 2,219 7,556 SH   DFND 1,2 0 0 7,556
SH COM 002824100 766 8,821 SH   DFND 1,2 0 0 8,821
SH SHS CLASS A G1151C101 1,339 6,363 SH   DFND 1,2 0 0 6,363
iShares MSCI ACWI EX US 464288240 346 7,060 SH   DFND 1,2 0 0 7,060
SH COM 032654105 343 2,894 SH   DFND 1,2 0 0 2,894
SH COM 053015103 394 2,313 SH   DFND 1,2 0 0 2,313
iShares CORE US AGGBD ET 464287226 20,623 183,530 SH   DFND 1,2 0 0 183,530
SH COM 020002101 304 2,711 SH   DFND 1,2 0 0 2,711
SH COM 031162100 1,451 6,021 SH   DFND 1,2 0 0 6,021
SH COM 03076C106 921 5,530 SH   DFND 1,2 0 0 5,530
SH COM 023135106 371 201 SH   DFND 1,2 0 0 201
SH COM 009158106 329 1,400 SH   DFND 1,2 0 0 1,400
SH COM 11135F101 788 2,495 SH   DFND 1,2 0 0 2,495
SH COM 025816109 303 2,435 SH   DFND 1,2 0 0 2,435
SH COM 097023105 787 2,416 SH   DFND 1,2 0 0 2,416
SH COM 075887109 299 1,101 SH   DFND 1,2 0 0 1,101
SPDR SPDR BLOOMBERG 78468R663 539 5,898 SH   DFND 1,2 0 0 5,898
SH SPONSORED ADS 091727107 148 10,000 SH   DFND 1,2 0 0 10,000
Vanguard TOTAL BND MRKT 921937835 267 3,195 SH   DFND 1,2 0 0 3,195
SH COM 11133T103 991 8,026 SH   DFND 1,2 0 0 8,026
SH CL B NEW 084670702 539 2,381 SH   DFND 1,2 0 0 2,381
Vanguard SHORT TRM BOND 921937827 34,079 422,764 SH   DFND 1,2 0 0 422,764
SH COM CL A 09260D107 207 3,710 SH   DFND 1,2 0 0 3,710
SH COM NEW 172967424 955 11,962 SH   DFND 1,2 0 0 11,962
SH COM H1467J104 786 5,052 SH   DFND 1,2 0 0 5,052
SH CL A 20030N101 270 6,025 SH   DFND 1,2 0 0 6,025
SH COM 17275R102 1,169 24,391 SH   DFND 1,2 0 0 24,391
SH COM 126408103 262 3,630 SH   DFND 1,2 0 0 3,630
SH COM 126650100 1,318 17,752 SH   DFND 1,2 0 0 17,752
SH COM NEW 247361702 830 14,199 SH   DFND 1,2 0 0 14,199
SH SPON ADR NEW 25243Q205 500 2,970 SH   DFND 1,2 0 0 2,970
SH COM DISNEY 254687106 1,398 9,667 SH   DFND 1,2 0 0 9,667
SH COM 260003108 211 1,838 SH   DFND 1,2 0 0 1,838
iShares MIN VOL EAFE ETF 46429B689 465 6,248 SH   DFND 1,2 0 0 6,248
SH COM 291011104 239 3,135 SH   DFND 1,2 0 0 3,135
SH COM 29250N105 664 16,712 SH   DFND 1,2 0 0 16,712
SH COM 30040W108 206 2,431 SH   DFND 1,2 0 0 2,431
iShares ESG MSCI EAFE 46435G516 506 7,375 SH   DFND 1,2 0 0 7,375
iShares ESG MSCI USA ETF 46435G425 349 4,907 SH   DFND 1,2 0 0 4,907
SH SHS G29183103 224 2,374 SH   DFND 1,2 0 0 2,374
SH COM 30161N101 798 17,515 SH   DFND 1,2 0 0 17,515
SH COM 375558103 906 13,956 SH   DFND 1,2 0 0 13,956
SH COM UNITS 37946R109 534 26,517 SH   DFND 1,2 0 0 26,517
SH CAP STK CL C 02079K107 294 220 SH   DFND 1,2 0 0 220
SH CAP STK CL A 02079K305 211 158 SH   DFND 1,2 0 0 158
SH COM 437076102 993 4,547 SH   DFND 1,2 0 0 4,547
SH COM 416515104 201 3,317 SH   DFND 1,2 0 0 3,317
SH COM 438516106 955 5,399 SH   DFND 1,2 0 0 5,399
SH COM 44107P104 284 15,328 SH   DFND 1,2 0 0 15,328
iShares ISHARES 464285105 8,035 554,158 SH   DFND 1,2 0 0 554,158
iShares BARCLAYS 7 10 YR 464287440 30,622 277,835 SH   DFND 1,2 0 0 277,835
iShares CORE MSCI EAFE 46432F842 303 4,657 SH   DFND 1,2 0 0 4,657
iShares 3 7 YR TREAS BD 464288661 1,024 8,150 SH   DFND 1,2 0 0 8,150
iShares CORE MSCI EMKT 46434G103 466 8,676 SH   DFND 1,2 0 0 8,676
iShares CORE S&P MCP ETF 464287507 23,275 113,087 SH   DFND 1,2 0 0 113,087
SH COM 458140100 488 8,164 SH   DFND 1,2 0 0 8,164
SH COM 452308109 469 2,613 SH   DFND 1,2 0 0 2,613
Vanguard MIDCP 400 IDX 921932885 570 4,104 SH   DFND 1,2 0 0 4,104
iShares CORE S&P500 ETF 464287200 31,905 98,705 SH   DFND 1,2 0 0 98,705
iShares RUSSELL 2000 ETF 464287655 414 2,503 SH   DFND 1,2 0 0 2,503
SH COM 478160104 1,548 10,616 SH   DFND 1,2 0 0 10,616
SH COM 46625H100 1,982 14,225 SH   DFND 1,2 0 0 14,225
SH COM 191216100 258 4,671 SH   DFND 1,2 0 0 4,671
SH COM 532457108 214 1,632 SH   DFND 1,2 0 0 1,632
SH COM 539830109 362 931 SH   DFND 1,2 0 0 931
SH SHS - A - N53745100 961 10,174 SH   DFND 1,2 0 0 10,174
SH CL A 57636Q104 1,412 4,731 SH   DFND 1,2 0 0 4,731
SH COM 580135101 957 4,846 SH   DFND 1,2 0 0 4,846
SH CL A 609207105 883 16,041 SH   DFND 1,2 0 0 16,041
SH SHS G5960L103 1,139 10,046 SH   DFND 1,2 0 0 10,046
SH COM 88579Y101 334 1,898 SH   DFND 1,2 0 0 1,898
SH COM 594918104 2,197 13,932 SH   DFND 1,2 0 0 13,932
SH CL B 654106103 364 3,593 SH   DFND 1,2 0 0 3,593
iShares S&P 100 ETF 464287101 306 2,127 SH   DFND 1,2 0 0 2,127
SH COM 713448108 1,155 8,455 SH   DFND 1,2 0 0 8,455
SH COM 717081103 1,228 31,351 SH   DFND 1,2 0 0 31,351
SH COM 742718109 1,455 11,651 SH   DFND 1,2 0 0 11,651
SH COM 693475105 802 5,027 SH   DFND 1,2 0 0 5,027
SH COM 718546104 941 8,452 SH   DFND 1,2 0 0 8,452
Invesco DYNMC LRG VALU 46137V738 308 7,472 SH   DFND 1,2 0 0 7,472
SH COM 747525103 1,293 14,658 SH   DFND 1,2 0 0 14,658
Invesco UNIT SER 1 46090E103 8,830 41,532 SH   DFND 1,2 0 0 41,532
iShares USA QUALITY FCTR 46432F339 456 4,515 SH   DFND 1,2 0 0 4,515
SH SPONS ADR 2 ORD 780097689 67 10,440 SH   DFND 1,2 0 0 10,440
SH COM V7780T103 903 6,765 SH   DFND 1,2 0 0 6,765
SH SPON ADR B 780259107 697 11,637 SH   DFND 1,2 0 0 11,637
SH COM 78377T107 635 7,335 SH   DFND 1,2 0 0 7,335
SH COM NEW 755111507 531 2,419 SH   DFND 1,2 0 0 2,419
SH COM 855244109 213 2,429 SH   DFND 1,2 0 0 2,429
Charles Schwab US DIVIDEND EQ 808524797 13,512 233,291 SH   DFND 1,2 0 0 233,291
Charles Schwab SHT TM US TRES 808524862 564 11,185 SH   DFND 1,2 0 0 11,185
iShares SHORT TREAS BD 464288679 223 2,021 SH   DFND 1,2 0 0 2,021
SH COM 78440X101 253 2,759 SH   DFND 1,2 0 0 2,759
Invesco S&P500 LOW VOL 46138E354 2,754 47,219 SH   DFND 1,2 0 0 47,219
SPDR PORTFOLIO SHORT 78464A474 17,339 562,237 SH   DFND 1,2 0 0 562,237
SPDR TR UNIT 78462F103 5,425 16,856 SH   DFND 1,2 0 0 16,856
SH COM 862121100 627 16,842 SH   DFND 1,2 0 0 16,842
SH COM 857477103 1,008 12,746 SH   DFND 1,2 0 0 12,746
SH COM 00206R102 1,068 27,336 SH   DFND 1,2 0 0 27,336
SH COM NEW 891160509 230 4,100 SH   DFND 1,2 0 0 4,100
SH REG SHS H84989104 1,103 11,509 SH   DFND 1,2 0 0 11,509
iShares TIPS BD ETF 464287176 269 2,311 SH   DFND 1,2 0 0 2,311
SH COM 872540109 1,055 17,288 SH   DFND 1,2 0 0 17,288
SH COM 89417E109 572 4,180 SH   DFND 1,2 0 0 4,180
SH COM 882508104 394 3,076 SH   DFND 1,2 0 0 3,076
SH COM 907818108 1,109 6,134 SH   DFND 1,2 0 0 6,134
SH COM 913017109 1,030 6,881 SH   DFND 1,2 0 0 6,881
SH COM CL A 92826C839 291 1,550 SH   DFND 1,2 0 0 1,550
Vanguard SMALL CP ETF 922908751 205 1,241 SH   DFND 1,2 0 0 1,241
Vanguard FTSE DEV MKT ETF 921943858 30,873 700,710 SH   DFND 1,2 0 0 700,710
Vanguard ALLWRLD EX US 922042775 702 13,062 SH   DFND 1,2 0 0 13,062
SH COM 918204108 1,054 10,584 SH   DFND 1,2 0 0 10,584
Vanguard DIV APP ETF 921908844 5,540 44,446 SH   DFND 1,2 0 0 44,446
Vanguard REAL ESTATE ETF 922908553 301 3,244 SH   DFND 1,2 0 0 3,244
Vanguard TOTAL STK MKT 922908769 8,353 51,052 SH   DFND 1,2 0 0 51,052
Vanguard FTSE EMR MKT ETF 922042858 12,271 275,954 SH   DFND 1,2 0 0 275,954
SH COM 92343V104 1,550 25,248 SH   DFND 1,2 0 0 25,248
SH COM 94106L109 213 1,869 SH   DFND 1,2 0 0 1,869
SH COM 98389B100 929 14,636 SH   DFND 1,2 0 0 14,636
SH COM 30231G102 600 8,612 SH   DFND 1,2 0 0 8,612