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
ISHARES BROAD USD HG YLD STOK 46435U853 288 7,304 SH   DFND   7,295 9 0
ISHARES 3-7 YEAR STOK 464288661 1,462 10,944 SH   DFND   10,878 66 0
SPDR LONG TERM CORPORATE STOK 78464A367 562 17,696 SH   DFND   17,627 69 0
VANGUARD FTSE PACIFIC STOK 922042866 1,381 20,297 SH   DFND   20,196 101 0
SELECT SECTOR HEALTH STOK 81369Y209 3,649 34,598 SH   DFND   34,462 136 0
SPDR FUND CONSUMER STOK 81369Y407 3,181 30,874 SH   DFND   30,590 284 0
ISHARES GLOBAL TECH ETF STOK 464287291 726 2,752 SH   DFND   2,457 295 0
ISHARES US FINANCIAL STOK 464287770 207 1,696 SH   DFND   1,365 331 0
ISHARES HIGH YIELD STOK 46434V407 1,069 24,333 SH   DFND   23,769 564 0
SELECT SECTOR INDUSTRIAL STOK 81369Y704 3,200 41,569 SH   DFND   40,969 600 0
BIOGEN INC STOK 09062X103 219 771 SH   DFND   126 645 0
VANGUARD INTERMEDIATE STOK 92206C870 2,957 30,863 SH   DFND   30,178 685 0
SELECT STR FINANCIAL STOK 81369Y605 3,079 127,922 SH   DFND   127,222 700 0
VANGUARD S&P 500 ETF STOK 922908363 236 768 SH   DFND   0 768 0
AIR PROD & CHEMICALS STOK 009158106 307 1,032 SH   DFND   157 875 0
ISHARES CORE S&P STOK 464287804 734 10,453 SH   DFND   9,562 891 0
ISHARES NATIONAL MUNI STOK 464288414 1,886 16,269 SH   DFND   15,344 925 0
LOCKHEED MARTIN CORP STOK 539830109 422 1,101 SH   DFND   144 957 0
VANGUARD INFORMATION STOK 92204A702 368 1,181 SH   DFND   172 1,009 0
COSTCO WHOLESALE CO STOK 22160K105 426 1,199 SH   DFND   127 1,072 0
ISHARES RUSSELL 2000 STOK 464287655 1,493 9,967 SH   DFND   8,799 1,168 0
ISHARES US MEDICAL STOK 464288810 1,040 3,471 SH   DFND   2,273 1,198 0
SPDR INTRMDT TRM CRPRATE STOK 78464A375 998 27,152 SH   DFND   25,924 1,228 0
UNITED PARCEL SRVC STOK 911312106 281 1,687 SH   DFND   423 1,264 0
SQUARE INC STOK 852234103 224 1,377 SH   DFND   22 1,355 0
CATERPILLAR INC STOK 149123101 209 1,403 SH   DFND   15 1,388 0
NETFLIX INC STOK 64110L106 726 1,452 SH   DFND   57 1,395 0
CITRIX SYSTEMS INC STOK 177376100 210 1,522 SH   DFND   122 1,400 0
SPDR NUVEEN BLOOMBERG STOK 78468R739 602 11,681 SH   DFND   10,280 1,401 0
ISHARES 20 PLUS YEAR STOK 464287432 509 3,118 SH   DFND   1,707 1,411 0
ABBOTT LABORATORIES STOK 002824100 218 2,005 SH   DFND   582 1,423 0
EQUINIX INC STOK 29444U700 1,169 1,538 SH   DFND   38 1,500 0
SPDR PORTFOLIO S&P 500 STOK 78464A854 641 16,293 SH   DFND   14,647 1,646 0
NVIDIA CORP STOK 67066G104 1,028 1,900 SH   DFND   227 1,673 0
SEMPRA ENERGY STOK 816851109 228 1,922 SH   DFND   213 1,709 0
TARGET CORP STOK 87612E106 406 2,576 SH   DFND   758 1,818 0
FEDEX CORP STOK 31428X106 480 1,908 SH   DFND   60 1,848 0
ALLEGHANY CORP DEL STOK 017175100 1,001 1,924 SH   DFND   0 1,924 0
STRYKER CORP STOK 863667101 416 1,995 SH   DFND   25 1,970 0
ARK NEXT GENERATION STOK 00214Q401 215 1,977 SH   DFND   0 1,977 0
ADOBE INC STOK 00724F101 1,096 2,234 SH   DFND   190 2,044 0
SPLUNK INC STOK 848637104 418 2,223 SH   DFND   90 2,133 0
SPDR BLOOMBERG BARCLAYS STOK 78468R663 207 2,247 SH   DFND   0 2,247 0
BROADCOM INC STOK 11135F101 957 2,627 SH   DFND   336 2,291 0
ISHARES MSCI USA VALUE STOK 46432F388 1,230 16,676 SH   DFND   14,311 2,365 0
ISHARES MSCI USA QLTY STOK 46432F339 274 2,640 SH   DFND   255 2,385 0
MASTERCARD INC STOK 57636Q104 902 2,666 SH   DFND   220 2,446 0
UNITEDHEALTH GRP INC STOK 91324P102 868 2,785 SH   DFND   327 2,458 0
ISHARES CORE US STOK 464287226 296 2,510 SH   DFND   0 2,510 0
AMAZON.COM INC STOK 023135106 9,106 2,892 SH   DFND   112 2,780 0
TECHNOLOGY SELECT SECTOR STOK 81369Y803 4,369 37,439 SH   DFND   34,603 2,836 0
FORTIVE CORP DISC STOK 34959J108 222 2,917 SH   DFND   61 2,856 0
ISHARES IBOXX INVT GRADE STOK 464287242 2,636 19,568 SH   DFND   16,651 2,917 0
ACCENTURE PLC F STOK G1151C101 732 3,239 SH   DFND   49 3,190 0
VF CORP STOK 918204108 225 3,200 SH   DFND   0 3,200 0
SPOTIFY TECHNOLOGY F STOK L8681T102 812 3,346 SH   DFND   16 3,330 0
VANGUARD MID CAP ETF IV STOK 922908629 587 3,333 SH   DFND   0 3,333 0
GENERAL DYNAMICS CO STOK 369550108 512 3,696 SH   DFND   345 3,351 0
WALMART INC STOK 931142103 510 3,643 SH   DFND   260 3,383 0
BLACKROCK INC STOK 09247X101 2,004 3,556 SH   DFND   87 3,469 0
TESLA INC STOK 88160R101 1,577 3,676 SH   DFND   0 3,676 0
CME GROUP INC STOK 12572Q105 626 3,739 SH   DFND   53 3,686 0
SPDR SHORT TERM STOK 78464A474 3,019 96,226 SH   DFND   92,426 3,800 0
DUKE ENERGY CORP STOK 26441C204 390 4,403 SH   DFND   437 3,966 0
WORKDAY INC STOK 98138H101 879 4,087 SH   DFND   113 3,974 0
IBM CORP STOK 459200101 496 4,073 SH   DFND   20 4,053 0
VANGUARD FTSE ALL WORLD STOK 922042775 4,897 97,060 SH   DFND   92,921 4,139 0
ISHARES TIPS BOND ETF STOK 464287176 524 4,140 SH   DFND   0 4,140 0
AMER ELECTRIC PWR CO STOK 025537101 342 4,189 SH   DFND   7 4,182 0
VANGUARD SMALL CAP ETF STOK 922908751 643 4,182 SH   DFND   0 4,182 0
CONSTELLATION BRAND STOK 21036P108 808 4,266 SH   DFND   60 4,206 0
ALLSTATE CORP STOK 020002101 425 4,512 SH   DFND   156 4,356 0
PNC FINL SERVICES STOK 693475105 525 4,773 SH   DFND   207 4,566 0
ISHARES MSCI EAFE GROWTH STOK 464288885 2,413 26,852 SH   DFND   22,273 4,579 0
BAXTER INTERNTNL STOK 071813109 390 4,847 SH   DFND   57 4,790 0
P J T PARTNERS INCORPORA STOK 69343T107 291 4,797 SH   DFND   0 4,797 0
ARK GENOMIC REVOLUTION STOK 00214Q302 315 4,937 SH   DFND   0 4,937 0
3M CO STOK 88579Y101 855 5,338 SH   DFND   372 4,966 0
ISHARES CORE S&P 500 STOK 464287200 5,190 15,442 SH   DFND   10,473 4,969 0
ISHARES MSCI EAFE ETF STOK 464287465 322 5,056 SH   DFND   0 5,056 0
VANGUARD MUNI BND TAX STOK 922907746 282 5,173 SH   DFND   0 5,173 0
DOMINION ENERGY INC STOK 25746U109 419 5,315 SH   DFND   81 5,234 0
THERMO FISHER SCNTFC STOK 883556102 2,384 5,399 SH   DFND   128 5,271 0
SPDR S&P DIVIDEND ETF STOK 78464A763 500 5,413 SH   DFND   0 5,413 0
VANGUARD DIVIDEND STOK 921908844 697 5,418 SH   DFND   0 5,418 0
CROWN CASTLE INTL CO STOK 22822V101 1,050 6,309 SH   DFND   320 5,989 0
ISHARES TR IS 1 5 YR IN STOK 464288646 2,101 38,258 SH   DFND   32,154 6,104 0
ISHARES CORE MSCI EAFE STOK 46432F842 975 16,175 SH   DFND   10,033 6,142 0
BOEING CO STOK 097023105 1,065 6,444 SH   DFND   166 6,278 0
AMGEN INC. STOK 031162100 1,634 6,430 SH   DFND   148 6,282 0
SOUTHERN CO STOK 842587107 344 6,350 SH   DFND   14 6,336 0
ISHARES RUSSELL 1000 STOK 464287614 1,364 6,590 SH   DFND   69 6,521 0
QUALCOMM INC STOK 747525103 842 7,159 SH   DFND   521 6,638 0
INVESCO GLOBAL WATER STOK 46138E651 211 6,638 SH   DFND   0 6,638 0
HCA HEALTHCARE INC STOK 40412C101 828 6,640 SH   DFND   0 6,640 0
WALGREENS BOOTS ALLI STOK 931427108 281 7,834 SH   DFND   966 6,868 0
DIAGEO PLC F STOK 25243Q205 1,013 7,360 SH   DFND   486 6,874 0
NEXTERA ENERGY INC STOK 65339F101 2,157 7,773 SH   DFND   693 7,080 0
ACTIVISION BLIZZARD STOK 00507V109 587 7,246 SH   DFND   132 7,114 0
ALPHABET INC. STOK 02079K107 11,035 7,523 SH   DFND   143 7,380 0
MCDONALDS CORP STOK 580135101 1,681 7,658 SH   DFND   193 7,465 0
SPDR S&P BIOTECH ETF IV STOK 78464A870 855 7,670 SH   DFND   0 7,670 0
ARK INNOVATION ETF STOK 00214Q104 771 8,380 SH   DFND   0 8,380 0
ISHARES NASDAQ STOK 464287556 1,171 8,646 SH   DFND   17 8,629 0
SALESFORCE COM STOK 79466L302 2,329 9,267 SH   DFND   538 8,729 0
EATON CORP PLC F STOK G29183103 915 8,972 SH   DFND   185 8,787 0
ISHARES CORE MSCI STOK 46434G103 465 8,805 SH   DFND   0 8,805 0
VANGUARD GROWTH ETF STOK 922908736 2,005 8,810 SH   DFND   0 8,810 0
IOVANCE BIOTHERAPEUTICS STOK 462260100 291 8,844 SH   DFND   0 8,844 0
GLAXOSMITHKLINE PLC F STOK 37733W105 349 9,279 SH   DFND   235 9,044 0
ISHARES SHORT TREASURY STOK 464288679 1,007 9,098 SH   DFND   0 9,098 0
WESTERN UNION CO STOK 959802109 204 9,535 SH   DFND   235 9,300 0
VANGUARD TOTAL STOCK STOK 922908769 1,597 9,378 SH   DFND   0 9,378 0
VANGUARD TOTAL BOND STOK 921937835 828 9,384 SH   DFND   0 9,384 0
PUB SVC ENTERPISE GP STOK 744573106 543 9,887 SH   DFND   472 9,415 0
YUM BRANDS INC STOK 988498101 898 9,834 SH   DFND   122 9,712 0
MARSH & MC LENNAN CO STOK 571748102 1,152 10,044 SH   DFND   277 9,767 0
DANAHER CORP STOK 235851102 2,151 9,989 SH   DFND   79 9,910 0
BCE INC F STOK 05534B760 505 12,170 SH   DFND   2,235 9,935 0
AYTU BIOSCIENCE INC STOK 054754700 12 10,000 SH   DFND   0 10,000 0
ELEVATE CREDIT INC STOK 28621V101 26 10,000 SH   DFND   0 10,000 0
BIOSIG TECHNOLOGIES STOK 09073N201 49 10,000 SH   DFND   0 10,000 0
CONNECTONE BANCORP STOK 20786W107 141 10,000 SH   DFND   0 10,000 0
NOVARTIS AG F STOK 66987V109 1,027 11,805 SH   DFND   1,789 10,016 0
LAKELAND BANCORP STOK 511637100 100 10,055 SH   DFND   0 10,055 0
FS KKR CAP CORP II STOK 35952V303 148 10,093 SH   DFND   0 10,093 0
INVESCO MTG CAP STOK 46131B100 27 10,124 SH   DFND   0 10,124 0
MORGAN STANLEY STOK 617446448 611 12,637 SH   DFND   2,135 10,502 0
ILLUMINA INC STOK 452327109 3,324 10,754 SH   DFND   48 10,706 0
ISHARES MORTGAGE REAL STOK 46435G342 283 10,975 SH   DFND   0 10,975 0
TEVA PHARMACEUTICAL IN F STOK 881624209 100 11,100 SH   DFND   0 11,100 0
PAYPAL HOLDINGS INCORPOR STOK 70450Y103 2,313 11,738 SH   DFND   236 11,502 0
COLGATE-PALMOLIVE CO STOK 194162103 910 11,791 SH   DFND   185 11,606 0
AMERN TOWER CORP STOK 03027X100 2,943 12,176 SH   DFND   120 12,056 0
ISHARES US TREASURY BOND STOK 46429B267 3,055 109,320 SH   DFND   96,798 12,522 0
PEPSICO INC STOK 713448108 1,801 12,995 SH   DFND   393 12,602 0
TJX COMPANIES INC STOK 872540109 732 13,145 SH   DFND   279 12,866 0
NEW YORK CMNTY BANCO STOK 649445103 107 12,901 SH   DFND   0 12,901 0
STARBUCKS CORP STOK 855244109 1,169 13,600 SH   DFND   645 12,955 0
SPDR S&P 500 ETF STOK 78462F103 4,467 13,340 SH   DFND   0 13,340 0
VANGUARD SHORT TERM COR STOK 92206C409 1,109 13,388 SH   DFND   0 13,388 0
LYFT INC STOK 55087P104 371 13,469 SH   DFND   0 13,469 0
COMCAST CORP STOK 20030N101 757 16,356 SH   DFND   2,663 13,693 0
VANGUARD VALUE ETF STOK 922908744 1,447 13,846 SH   DFND   0 13,846 0
ISHARES ESG AWARE MSCI STOK 46434G863 5,614 97,879 SH   DFND   83,748 14,131 0
AUTO DATA PROCESSING STOK 053015103 2,031 14,560 SH   DFND   222 14,338 0
BLACKROCK MUNCPL 2030 TA STOK 09257P105 361 14,426 SH   DFND   0 14,426 0
FACEBOOK INC STOK 30303M102 3,976 15,183 SH   DFND   756 14,427 0
PIMCO STRATEGIC INCOME C STOK 72200X104 93 14,500 SH   DFND   0 14,500 0
GOLDMAN SACHS B D C INC STOK 38147U107 218 14,500 SH   DFND   0 14,500 0
SIXTH STREET SPECIALTY L STOK 83012A109 250 14,500 SH   DFND   0 14,500 0
ISHARES US REGIONAL STOK 464288778 475 14,500 SH   DFND   0 14,500 0
ISHARES MBS ETF IV STOK 464288588 1,676 15,179 SH   DFND   592 14,587 0
JPMORGAN ULTRA SHORT STOK 46641Q837 743 14,629 SH   DFND   0 14,629 0
SOUTHWESTERN ENERGY STOK 845467109 35 14,681 SH   DFND   0 14,681 0
ISHARES SHORT MATURITY STOK 46431W507 1,017 20,292 SH   DFND   5,578 14,714 0
VALLEY NTNL BANC STOK 919794107 102 14,955 SH   DFND   0 14,955 0
ABBVIE INC STOK 00287Y109 1,366 15,593 SH   DFND   540 15,053 0
CANOPY GROWTH CORP F STOK 138035100 220 15,331 SH   DFND   0 15,331 0
TEXAS INSTRUMENTS STOK 882508104 2,295 16,073 SH   DFND   666 15,407 0
CIGNA CORP STOK 125523100 2,668 15,750 SH   DFND   22 15,728 0
ALIBABA GROUP HOLDING F STOK 01609W102 4,777 16,250 SH   DFND   362 15,888 0
ANNALY CAPITAL MGMT STOK 035710409 118 16,564 SH   DFND   0 16,564 0
LAZARD GLOBAL TOTAL RETU STOK 52106W103 261 16,807 SH   DFND   0 16,807 0
ELECTRONIC ARTS INC STOK 285512109 2,204 16,900 SH   DFND   31 16,869 0
HOME DEPOT INC STOK 437076102 4,951 17,829 SH   DFND   357 17,472 0
SPDR GOLD SHARES ETF EC STOK 78463V107 3,120 17,613 SH   DFND   0 17,613 0
WESTERN ASSET MORTGAGE O STOK 95790B109 232 17,672 SH   DFND   0 17,672 0
INVESCO KBW HIGH STOK 46138E610 242 18,000 SH   DFND   0 18,000 0
VISA INC STOK 92826C839 3,798 18,994 SH   DFND   918 18,076 0
THE COCA-COLA CO STOK 191216100 943 19,105 SH   DFND   909 18,196 0
FASTLY INC STOK 31188V100 1,722 18,384 SH   DFND   0 18,384 0
ALLIANZGI DV INTRST AND STOK 01883A107 220 18,610 SH   DFND   0 18,610 0
VANGUARD ENERGY ETF STOK 92204A306 755 18,730 SH   DFND   0 18,730 0
MEDICAL PROPERTIES STOK 58463J304 335 19,008 SH   DFND   183 18,825 0
ISHARES MSCI USA MIN VOL STOK 46429B697 1,838 28,839 SH   DFND   10,006 18,833 0
CLOUDERA INC STOK 18914U100 205 18,850 SH   DFND   0 18,850 0
UBER TECHNOLOGIES INC STOK 90353T100 701 19,219 SH   DFND   338 18,881 0
PEAPACK GLADSTONE FI STOK 704699107 294 19,391 SH   DFND   0 19,391 0
HONEYWELL INTL INC STOK 438516106 3,268 19,855 SH   DFND   283 19,572 0
TWO HARBORS INVESTMENT C STOK 90187B408 101 19,800 SH   DFND   0 19,800 0
ZOMEDICA PHARMACEUTICA F STOK 98979F107 2 20,000 SH   DFND   0 20,000 0
GILEAD SCIENCES INC STOK 375558103 1,281 20,265 SH   DFND   110 20,155 0
VANECK VECTORS GOLD STOK 92189F106 800 20,438 SH   DFND   0 20,438 0
EXELON CORP STOK 30161N101 817 22,840 SH   DFND   19 22,821 0
BERKSHIRE HATHAWAY STOK 084670702 4,959 23,286 SH   DFND   407 22,879 0
BIOSPECIFICS TECH CO STOK 090931106 1,246 23,590 SH   DFND   0 23,590 0
ALBERTSONS CO SHS CLASS STOK 013091103 332 24,000 SH   DFND   0 24,000 0
WALT DISNEY CO STOK 254687106 3,050 24,580 SH   DFND   530 24,050 0
CALITHERA BIOSCIENCE STOK 13089P101 85 24,771 SH   DFND   0 24,771 0
FIRST REPUBLIC BANK STOK 33616C100 2,720 24,938 SH   DFND   14 24,924 0
SPDR S&P REGIONAL STOK 78464A698 891 24,985 SH   DFND   0 24,985 0
MFA FINL, INC. STOK 55272X102 67 25,110 SH   DFND   0 25,110 0
A G N C INVESTMENT CORP STOK 00123Q104 350 25,140 SH   DFND   0 25,140 0
CITIGROUP INC STOK 172967424 1,193 27,680 SH   DFND   2,108 25,572 0
CVS HEALTH CORP STOK 126650100 1,513 25,912 SH   DFND   210 25,702 0
DOUBLELINE INCOME SOLUTI STOK 258622109 422 26,335 SH   DFND   0 26,335 0
INVESCO QQQ TRUST STOK 46090E103 7,402 26,640 SH   DFND   0 26,640 0
CHEVRON CORP STOK 166764100 2,051 28,490 SH   DFND   1,363 27,127 0
NEUBERGR BRM MLP AND ENR STOK 64129H104 67 28,216 SH   DFND   0 28,216 0
BLACKROCK MUNIHOLDINGS N STOK 09254X101 384 28,220 SH   DFND   0 28,220 0
JOHNSON & JOHNSON STOK 478160104 4,409 29,612 SH   DFND   1,303 28,309 0
VERIZON COMMUNICATN STOK 92343V104 1,850 31,092 SH   DFND   1,380 29,712 0
ORACLE CORP STOK 68389X105 1,831 30,669 SH   DFND   924 29,745 0
BLACKROCK 2022 GLOBAL IN STOK 09258P104 259 29,903 SH   DFND   0 29,903 0
NORFOLK SOUTHERN CO STOK 655844108 6,555 30,633 SH   DFND   138 30,495 0
ANWORTH MTG ASSET STOK 037347101 51 31,000 SH   DFND   0 31,000 0
CAPITAL ONE FC STOK 14040H105 2,237 31,129 SH   DFND   0 31,129 0
INVESCO VARIABLE RATE STOK 46138G870 768 31,200 SH   DFND   0 31,200 0
EURONAV NV F STOK B38564108 280 31,700 SH   DFND   0 31,700 0
BRISTOL-MYERS SQU 30 RTS STOK 110122140 46 117,775 SH   DFND   86,000 31,775 0
PROCTER & GAMBLE STOK 742718109 4,523 32,543 SH   DFND   328 32,215 0
MEDTRONIC PLC F STOK G5960L103 3,571 34,364 SH   DFND   1,363 33,001 0
ALERIAN MLP ETF STOK 00162Q452 664 33,210 SH   DFND   11 33,199 0
ODYSSEY MARINE EXPL STOK 676118201 233 34,300 SH   DFND   0 34,300 0
PENNANTPARK INVESTMENT O STOK 708062104 117 36,620 SH   DFND   0 36,620 0
VANGUARD HIGH DIVIDEND STOK 921946406 3,015 37,252 SH   DFND   0 37,252 0
ISHARES SILVER TRUST STOK 46428Q109 814 37,625 SH   DFND   0 37,625 0
PHILIP MORRIS INTL STOK 718172109 3,021 40,285 SH   DFND   1,071 39,214 0
RIVERNORTH OPPORTUNITIES STOK 76881Y109 574 40,015 SH   DFND   0 40,015 0
ARBOR REALTY TR STOK 038923108 472 41,191 SH   DFND   0 41,191 0
BP PLC F STOK 055622104 743 42,565 SH   DFND   776 41,789 0
OPKO HEALTH INC STOK 68375N103 155 42,000 SH   DFND   0 42,000 0
A T & T INC STOK 00206R102 1,301 45,639 SH   DFND   3,524 42,115 0
CHURCH & DWIGHT CO STOK 171340102 3,982 42,488 SH   DFND   27 42,461 0
INVESCO PREFERRED ETF STOK 46138E511 664 45,084 SH   DFND   0 45,084 0
HUNTINGTON BANCSHS STOK 446150104 426 46,402 SH   DFND   797 45,605 0
INTERCONTINENTAL EXC STOK 45866F104 4,674 46,716 SH   DFND   148 46,568 0
MICROSOFT CORP STOK 594918104 10,236 48,668 SH   DFND   2,061 46,607 0
ISHARES PREFERRED INCOME STOK 464288687 1,751 48,041 SH   DFND   700 47,341 0
URANIUM ENERGY CORP STOK 916896103 48 48,500 SH   DFND   0 48,500 0
KRAFT HEINZ CO STOK 500754106 1,479 49,379 SH   DFND   0 49,379 0
CARNIVAL CORP F STOK 143658300 758 49,904 SH   DFND   133 49,771 0
REALOGY HOLDINGS CO STOK 75605Y106 491 51,973 SH   DFND   0 51,973 0
FS KKR CAPITAL CORP STOK 302635206 900 56,728 SH   DFND   0 56,728 0
JPMORGAN CHASE & CO STOK 46625H100 6,408 66,562 SH   DFND   2,143 64,419 0
MONDELEZ INTL STOK 609207105 3,748 65,246 SH   DFND   725 64,521 0
ALTRIA GROUP INC STOK 02209S103 2,594 67,142 SH   DFND   1,947 65,195 0
GENERAL ELECTRIC CO STOK 369604103 423 67,949 SH   DFND   980 66,969 0
CISCO SYSTEMS INC STOK 17275R102 2,849 72,336 SH   DFND   4,456 67,880 0
ARES CAPITAL CORP STOK 04010L103 969 69,467 SH   DFND   0 69,467 0
ZOOM VIDEO COMMUNICATION STOK 98980L101 34,198 72,745 SH   DFND   0 72,745 0
INTEL CORP STOK 458140100 4,129 79,750 SH   DFND   2,038 77,712 0
WELLS FARGO & CO STOK 949746101 1,960 83,365 SH   DFND   624 82,741 0
HP INC. STOK 40434L105 1,729 91,067 SH   DFND   47 91,020 0
SPDR S&P 500 GROWTH ETF STOK 78464A409 4,587 91,542 SH   DFND   0 91,542 0
BANK OF AMERICA CORP STOK 060505104 2,547 105,712 SH   DFND   3,625 102,087 0
EXXON MOBIL CORP STOK 30231G102 3,616 105,320 SH   DFND   1,346 103,974 0
PFIZER INC STOK 717081103 3,989 108,688 SH   DFND   3,599 105,089 0
DOCUSIGN INC STOK 256163106 22,968 106,708 SH   DFND   0 106,708 0
BLACKSTONE GROUP INC STOK 09260D107 6,375 122,130 SH   DFND   130 122,000 0
ISHARES GOLD ETF STOK 464285105 2,341 130,151 SH   DFND   536 129,615 0
CASTLIGHT HEALTH INC STOK 14862Q100 175 155,000 SH   DFND   0 155,000 0
BRISTOL-MYERS SQUIBB STOK 110122108 11,506 190,840 SH   DFND   352 190,488 0
UPWORK INC STOK 91688F104 3,601 206,452 SH   DFND   0 206,452 0
MERCK & CO. INC. STOK 58933Y105 24,363 293,707 SH   DFND   1,611 292,096 0
GOLD STANDARD VENTUR F STOK 380738104 278 356,691 SH   DFND   0 356,691 0
BRISTOL-MYERS SQUIBB RTS STOK 110122157 874 388,408 SH   DFND   1,100 387,308 0
APPLE INC STOK 037833100 45,457 392,513 SH   DFND   2,217 390,296 0
INVESCO BULLETSHARES STOK 46138J882 10,679 499,130 SH   DFND   1,860 497,270 0
OWL ROCK CAPITAL CORP STOK 69121K104 25,354 2,102,309 SH   DFND   0 2,102,309 0
ISHARES MSCI USA SIZE STOK 46432F370 232 2,473 SH   DFND   2,473 0 0
ISHARES 7-10 YEAR STOK 464287440 557 4,572 SH   DFND   4,572 0 0
HARTFORD MLTFCTR DVLPD STOK 518416102 234 9,051 SH   DFND   9,051 0 0
WSDMTRE EMRG MKT EX STT STOK 97717X578 366 10,861 SH   DFND   10,861 0 0
ISHARES 0-5 YEAR TIPS STOK 46429B747 1,450 13,936 SH   DFND   13,936 0 0
ENERGY SELECT SECTOR STOK 81369Y506 446 14,900 SH   DFND   14,900 0 0
ISHARES MSCI ALL COUNT STOK 464288182 2,046 26,510 SH   DFND   26,510 0 0
COMMUNICAT SVS SLCT SEC STOK 81369Y852 2,998 50,470 SH   DFND   50,470 0 0