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
AUTODESK INC COM 052769106 799 2,695 SH   DFND   0 0 2,695
AMAZON COM INC COM 023135106 14,702 3,998 SH   DFND   0 0 3,998
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 13,325 47,725 SH   DFND   0 0 47,725
BOEING CO COM 097023105 440 1,930 SH   DFND   0 0 1,930
AMGEN INC COM 031162100 1,761 7,191 SH   DFND   0 0 7,191
ABBOTT LABS COM 002824100 6,488 54,685 SH   DFND   0 0 54,685
BK OF AMERICA CORP COM 060505104 988 24,796 SH   DFND   0 0 24,796
ANALOG DEVICES INC COM 032654105 214 1,278 SH   DFND   0 0 1,278
AUTOMATIC DATA PROCESSING IN COM 053015103 609 2,987 SH   DFND   0 0 2,987
APPLIED MATLS INC COM 038222105 4,649 34,111 SH   DFND   0 0 34,111
APPLE INC COM 037833100 23,478 161,208 SH   DFND   0 0 161,208
ALIGN TECHNOLOGY INC COM 016255101 352 548 SH   DFND   0 0 548
AIR PRODS & CHEMS INC COM 009158106 973 3,367 SH   DFND   0 0 3,367
ARISTA NETWORKS INC COM 040413106 2,798 7,562 SH   DFND   0 0 7,562
ARIDIS PHARMACEUTICALS INC COM 040334104 152 25,000 SH   DFND   0 0 25,000
AMERICAN CENTY ETF TR FOCUSED LRG CAP 025072794 467 7,700 SH   DFND   0 0 7,700
ISHARES TR CORE S&P MCP ETF 464287507 289 1,083 SH   DFND   0 0 1,083
ISHARES TR CORE S&P SCP ETF 464287804 719 6,535 SH   DFND   0 0 6,535
ISHARES TR CORE S&P500 ETF 464287200 1,061 2,426 SH   DFND   0 0 2,426
ISHARES TR RUS 1000 VAL ETF 464287598 1,284 8,074 SH   DFND   0 0 8,074
ISHARES TR RUS 1000 GRW ETF 464287614 563 2,025 SH   DFND   0 0 2,025
ISHARES TR RUSSELL 2000 ETF 464287655 855 3,847 SH   DFND   0 0 3,847
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,000 2,054 SH   DFND   0 0 2,054
SPDR S&P 500 ETF TR TR UNIT 78462F103 20,256 46,503 SH   DFND   0 0 46,503
ADOBE SYSTEMS INCORPORATED COM 00724F101 7,629 12,610 SH   DFND   0 0 12,610
BRISTOL-MYERS SQUIBB CO COM 110122108 1,512 22,418 SH   DFND   0 0 22,418
EMERSON ELEC CO COM 291011104 1,697 17,352 SH   DFND   0 0 17,352
EXPEDITORS INTL WASH INC COM 302130109 359 2,821 SH   DFND   0 0 2,821
EVERSOURCE ENERGY COM 30040W108 318 3,836 SH   DFND   0 0 3,836
ALTRIA GROUP INC COM 02209S103 288 6,138 SH   DFND   0 0 6,138
GENUINE PARTS CO COM 372460105 3,295 25,814 SH   DFND   0 0 25,814
INTEL CORP COM 458140100 1,605 28,230 SH   DFND   0 0 28,230
ILLINOIS TOOL WKS INC COM 452308109 960 4,222 SH   DFND   0 0 4,222
ISHARES TR RUS 2000 GRW ETF 464287648 942 3,116 SH   DFND   0 0 3,116
NEWELL BRANDS INC COM 651229106 3,143 118,790 SH   DFND   0 0 118,790
QUALCOMM INC COM 747525103 5,586 39,568 SH   DFND   0 0 39,568
DISNEY WALT CO COM 254687106 1,318 7,177 SH   DFND   0 0 7,177
HONEYWELL INTL INC COM 438516106 5,295 23,628 SH   DFND   0 0 23,628
SHERWIN WILLIAMS CO COM 824348106 573 2,059 SH   DFND   0 0 2,059
JOHNSON & JOHNSON COM 478160104 5,723 33,812 SH   DFND   0 0 33,812
MEDTRONIC PLC SHS G5960L103 5,406 42,436 SH   DFND   0 0 42,436
PFIZER INC COM 717081103 2,048 51,658 SH   DFND   0 0 51,658
LOWES COS INC COM 548661107 5,079 26,144 SH   DFND   0 0 26,144
ISHARES TR MSCI EAFE ETF 464287465 442 5,557 SH   DFND   0 0 5,557
CHEVRON CORP NEW COM 166764100 1,990 19,149 SH   DFND   0 0 19,149
MICROSOFT CORP COM 594918104 14,390 51,213 SH   DFND   0 0 51,213
UNITED PARCEL SERVICE INC CL B 911312106 384 1,816 SH   DFND   0 0 1,816
AT&T INC COM 00206R102 1,101 38,932 SH   DFND   0 0 38,932
CITIGROUP INC COM NEW 172967424 446 6,520 SH   DFND   0 0 6,520
CISCO SYS INC COM 17275R102 1,711 32,098 SH   DFND   0 0 32,098
INTERNATIONAL BUSINESS MACHS COM 459200101 1,022 7,285 SH   DFND   0 0 7,285
COCA COLA CO COM 191216100 251 4,571 SH   DFND   0 0 4,571
LOCKHEED MARTIN CORP COM 539830109 586 1,552 SH   DFND   0 0 1,552
PEPSICO INC COM 713448108 2,540 16,605 SH   DFND   0 0 16,605
VERIZON COMMUNICATIONS INC COM 92343V104 609 10,864 SH   DFND   0 0 10,864
SELECT SECTOR SPDR TR ENERGY 81369Y506 657 12,544 SH   DFND   0 0 12,544
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 989 7,679 SH   DFND   0 0 7,679
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 521 3,310 SH   DFND   0 0 3,310
WALGREENS BOOTS ALLIANCE INC COM 931427108 651 13,752 SH   DFND   0 0 13,752
STARBUCKS CORP COM 855244109 5,974 49,969 SH   DFND   0 0 49,969
EXXON MOBIL CORP COM 30231G102 2,255 37,033 SH   DFND   0 0 37,033
WALMART INC COM 931142103 323 2,297 SH   DFND   0 0 2,297
UNION PAC CORP COM 907818108 1,471 6,710 SH   DFND   0 0 6,710
TEXAS INSTRS INC COM 882508104 6,568 34,350 SH   DFND   0 0 34,350
CARDINAL HEALTH INC COM 14149Y108 322 5,632 SH   DFND   0 0 5,632
COSTCO WHSL CORP NEW COM 22160K105 4,057 9,966 SH   DFND   0 0 9,966
LILLY ELI & CO COM 532457108 592 2,516 SH   DFND   0 0 2,516
CVS HEALTH CORP COM 126650100 1,098 13,442 SH   DFND   0 0 13,442
DOMINION ENERGY INC COM 25746U109 397 5,334 SH   DFND   0 0 5,334
DANAHER CORPORATION COM 235851102 6,625 23,938 SH   DFND   0 0 23,938
MERCK & CO INC COM 58933Y105 560 7,217 SH   DFND   0 0 7,217
NOVARTIS AG SPONSORED ADR 66987V109 331 3,576 SH   DFND   0 0 3,576
PROCTER AND GAMBLE CO COM 742718109 2,999 21,893 SH   DFND   0 0 21,893
GOLDMAN SACHS GROUP INC COM 38141G104 2,077 5,525 SH   DFND   0 0 5,525
HOME DEPOT INC COM 437076102 7,146 22,540 SH   DFND   0 0 22,540
MCDONALDS CORP COM 580135101 4,098 17,352 SH   DFND   0 0 17,352
NIKE INC CL B 654106103 6,151 38,063 SH   DFND   0 0 38,063
JPMORGAN CHASE & CO COM 46625H100 2,851 18,316 SH   DFND   0 0 18,316
TJX COS INC NEW COM 872540109 1,727 25,530 SH   DFND   0 0 25,530
MONDELEZ INTL INC CL A 609207105 530 8,398 SH   DFND   0 0 8,398
BOOKING HOLDINGS INC COM 09857L108 201 92 SH   DFND   0 0 92
WELLS FARGO CO NEW COM 949746101 341 7,896 SH   DFND   0 0 7,896
ISHARES TR IBOXX INV CP ETF 464287242 1,752 13,050 SH   DFND   0 0 13,050
FISERV INC COM 337738108 475 4,316 SH   DFND   0 0 4,316
MGIC INVT CORP WIS COM 552848103 472 34,939 SH   DFND   0 0 34,939
FORD MTR CO DEL COM 345370860 288 19,968 SH   DFND   0 0 19,968
UNITEDHEALTH GROUP INC COM 91324P102 6,405 15,303 SH   DFND   0 0 15,303
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 9,731 31,125 SH   DFND   0 0 31,125
AMERICAN TOWER CORP NEW COM 03027X100 1,888 6,780 SH   DFND   0 0 6,780
CROWN CASTLE INTL CORP NEW COM 22822V101 658 3,285 SH   DFND   0 0 3,285
INTUIT COM 461202103 2,245 4,430 SH   DFND   0 0 4,430
3M CO COM 88579Y101 2,818 14,116 SH   DFND   0 0 14,116
COMCAST CORP NEW CL A 20030N101 3,906 67,563 SH   DFND   0 0 67,563
WASTE MGMT INC DEL COM 94106L109 334 2,345 SH   DFND   0 0 2,345
NORFOLK SOUTHN CORP COM 655844108 251 960 SH   DFND   0 0 960
NEXTERA ENERGY INC COM 65339F101 3,771 50,378 SH   DFND   0 0 50,378
DUKE ENERGY CORP NEW COM NEW 26441C204 430 4,240 SH   DFND   0 0 4,240
COHEN & STEERS QUALITY INCOM COM 19247L106 190 12,000 SH   DFND   0 0 12,000
CATERPILLAR INC COM 149123101 352 1,636 SH   DFND   0 0 1,636
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 553 2,987 SH   DFND   0 0 2,987
ECOLAB INC COM 278865100 726 3,411 SH   DFND   0 0 3,411
CHEMED CORP NEW COM 16359R103 908 1,900 SH   DFND   0 0 1,900
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 229 5,000 SH   DFND   0 0 5,000
AKAMAI TECHNOLOGIES INC COM 00971T101 311 2,697 SH   DFND   0 0 2,697
PAYCHEX INC COM 704326107 2,857 25,592 SH   DFND   0 0 25,592
ROCKWELL AUTOMATION INC COM 773903109 2,838 9,739 SH   DFND   0 0 9,739
OREILLY AUTOMOTIVE INC COM 67103H107 571 969 SH   DFND   0 0 969
NETFLIX INC COM 64110L106 1,039 1,921 SH   DFND   0 0 1,921
ISHARES TR TIPS BD ETF 464287176 232 1,812 SH   DFND   0 0 1,812
NORTHERN TR CORP COM 665859104 230 2,000 SH   DFND   0 0 2,000
AGENUS INC COM NEW 00847G705 209 37,000 SH   DFND   0 0 37,000
ILLUMINA INC COM 452327109 456 943 SH   DFND   0 0 943
NVIDIA CORPORATION COM 67066G104 8,052 9,941 SH   DFND   0 0 9,941
FREEPORT-MCMORAN INC CL B 35671D857 326 9,112 SH   DFND   0 0 9,112
FAIR ISAAC CORP COM 303250104 1,208 2,337 SH   DFND   0 0 2,337
PRICE T ROWE GROUP INC COM 74144T108 796 3,874 SH   DFND   0 0 3,874
DOVER CORP COM 260003108 313 2,024 SH   DFND   0 0 2,024
NOVO-NORDISK A S ADR 670100205 757 8,730 SH   DFND   0 0 8,730
FRANKLIN RESOURCES INC COM 354613101 763 24,852 SH   DFND   0 0 24,852
ENTERPRISE PRODS PARTNERS L COM 293792107 200 8,250 SH   DFND   0 0 8,250
ALPHABET INC CAP STK CL A 02079K305 8,894 3,492 SH   DFND   0 0 3,492
SPDR GOLD TR GOLD SHS 78463V107 2,451 14,482 SH   DFND   0 0 14,482
VANGUARD INDEX FDS MID CAP ETF 922908629 1,392 5,876 SH   DFND   0 0 5,876
VANGUARD INDEX FDS SM CP VAL ETF 922908611 280 1,641 SH   DFND   0 0 1,641
PACKAGING CORP AMER COM 695156109 427 3,103 SH   DFND   0 0 3,103
INTUITIVE SURGICAL INC COM NEW 46120E602 1,020 1,067 SH   DFND   0 0 1,067
BLACKROCK INC COM 09247X101 1,658 1,826 SH   DFND   0 0 1,826
VANGUARD INDEX FDS SMALL CP ETF 922908751 286 1,293 SH   DFND   0 0 1,293
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,734 14,613 SH   DFND   0 0 14,613
CRANE CO COM 224399105 213 2,290 SH   DFND   0 0 2,290
THERMO FISHER SCIENTIFIC INC COM 883556102 5,922 11,514 SH   DFND   0 0 11,514
SALESFORCE COM INC COM 79466L302 3,298 13,517 SH   DFND   0 0 13,517
HARVARD BIOSCIENCE INC COM 416906105 96 12,000 SH   DFND   0 0 12,000
VANGUARD WORLD FDS INF TECH ETF 92204A702 459 1,125 SH   DFND   0 0 1,125
MASTERCARD INCORPORATED CL A 57636Q104 1,087 2,833 SH   DFND   0 0 2,833
GARTNER INC COM 366651107 276 1,078 SH   DFND   0 0 1,078
HERC HLDGS INC COM 42704L104 281 2,465 SH   DFND   0 0 2,465
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 549 6,684 SH   DFND   0 0 6,684
BLACKSTONE GROUP INC COM 09260D107 334 3,350 SH   DFND   0 0 3,350
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 899 8,575 SH   DFND   0 0 8,575
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 247 4,765 SH   DFND   0 0 4,765
ISHARES TR NATIONAL MUN ETF 464288414 797 6,782 SH   DFND   0 0 6,782
REEDS INC COM 758338107 46 50,000 SH   DFND   0 0 50,000
SPDR SER TR BLMBRG BRC CNVRT 78464A359 2,472 28,785 SH   DFND   0 0 28,785
POWERFLEET INC COM 73931J109 142 20,482 SH   DFND   0 0 20,482
ICAHN ENTERPRISES LP DEPOSITARY UNIT 451100101 230 4,000 SH   DFND   0 0 4,000
VISA INC COM CL A 92826C839 7,335 30,266 SH   DFND   0 0 30,266
SURGALIGN HOLDINGS INC COM 86882C105 19 16,470 SH   DFND   0 0 16,470
STARWOOD PPTY TR INC COM 85571B105 222 8,573 SH   DFND   0 0 8,573
BROADCOM INC COM 11135F101 6,549 13,530 SH   DFND   0 0 13,530
BROOKFIELD RENEWABLE PARTNER PARTNERSHIP UNIT G16258108 3,958 105,450 SH   DFND   0 0 105,450
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 238 2,887 SH   DFND   0 0 2,887
TESLA INC COM 88160R101 242 362 SH   DFND   0 0 362
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,043 5,101 SH   DFND   0 0 5,101
TRONOX HOLDINGS PLC SHS G9087Q102 240 11,975 SH   DFND   0 0 11,975
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,404 31,000 SH   DFND   0 0 31,000
ISHARES TR CORE HIGH DV ETF 46429B663 209 2,157 SH   DFND   0 0 2,157
MARATHON PETE CORP COM 56585A102 281 4,897 SH   DFND   0 0 4,897
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 12,770 168,475 SH   DFND   0 0 168,475
ISHARES TR MSCI USA MIN VOL 46429B697 2,976 39,765 SH   DFND   0 0 39,765
PHILLIPS 66 COM 718546104 235 2,879 SH   DFND   0 0 2,879
SPLUNK INC COM 848637104 204 1,506 SH   DFND   0 0 1,506
FACEBOOK INC CL A 30303M102 3,002 8,526 SH   DFND   0 0 8,526
VANECK VECTORS ETF TR FALLEN ANGEL HG 92189F437 2,184 66,070 SH   DFND   0 0 66,070
SERVICENOW INC COM 81762P102 3,452 6,171 SH   DFND   0 0 6,171
PALO ALTO NETWORKS INC COM 697435105 301 775 SH   DFND   0 0 775
ISHARES INC CORE MSCI EMKT 46434G103 285 4,357 SH   DFND   0 0 4,357
DELEK LOGISTICS PARTNERS LP COM UNT RP INT 24664T103 213 5,000 SH   DFND   0 0 5,000
ABBVIE INC COM 00287Y109 7,153 60,669 SH   DFND   0 0 60,669
FRANCHISE GROUP INC COM 35180X105 1,218 35,000 SH   DFND   0 0 35,000
ZOETIS INC CL A 98978V103 382 1,918 SH   DFND   0 0 1,918
ISHARES TR MSCI USA QLT FCT 46432F339 390 2,877 SH   DFND   0 0 2,877
ALPHABET INC CAP STK CL C 02079K107 1,813 692 SH   DFND   0 0 692
ISHARES TR CORE DIV GRWTH 46434V621 1,011 19,800 SH   DFND   0 0 19,800
CONTRAFECT CORP COM NEW 212326300 287 69,200 SH   DFND   0 0 69,200
HUBSPOT INC COM 443573100 278 482 SH   DFND   0 0 482
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 4,490 84,090 SH   DFND   0 0 84,090
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 3,952 81,686 SH   DFND   0 0 81,686
PAYPAL HLDGS INC COM 70450Y103 7,403 24,580 SH   DFND   0 0 24,580
CERECOR INC COM 15671L109 328 103,410 SH   DFND   0 0 103,410
NEXGEN ENERGY LTD COM 65340P106 40 10,000 SH   DFND   0 0 10,000
TWILIO INC CL A 90138F102 548 1,409 SH   DFND   0 0 1,409
INNOVATIVE INDL PPTYS INC COM 45781V101 2,348 11,280 SH   DFND   0 0 11,280
KNOWLES CORP NOTE 3.250%11/0 49926DAB5 11 10,000 PRN   DFND   0 0 10,000
JBG SMITH PPTYS COM 46590V100 1,136 35,440 SH   DFND   0 0 35,440
VICI PPTYS INC COM 925652109 297 9,500 SH   DFND   0 0 9,500
X4 PHARMACEUTICALS INC COM 98420X103 103 17,000 SH   DFND   0 0 17,000
PAVMED INC COM 70387R106 168 30,000 SH   DFND   0 0 30,000
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 25,632 921,078 SH   DFND   0 0 921,078
HYRECAR INC COM 44916T107 498 23,892 SH   DFND   0 0 23,892
MARRIOTT VACATIONS WORLDWIDE NOTE 1.500% 9/1 57164YAB3 12 10,000 PRN   DFND   0 0 10,000
UPWORK INC COM 91688F104 266 4,375 SH   DFND   0 0 4,375
GOLDMAN SACHS PHYSICAL GOLD UNIT 38150K103 4,175 231,940 SH   DFND   0 0 231,940
DELL TECHNOLOGIES INC CL C 24703L202 352 3,750 SH   DFND   0 0 3,750
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 250 4,924 SH   DFND   0 0 4,924
CROWDSTRIKE HLDGS INC CL A 22788C105 488 1,868 SH   DFND   0 0 1,868
CARRIER GLOBAL CORPORATION COM 14448C104 225 4,575 SH   DFND   0 0 4,575
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 361 11,000 SH   DFND   0 0 11,000
VROOM INC COM 92918V109 1,035 25,000 SH   DFND   0 0 25,000
CF FIN ACQUISITION CORP III CL A 12529D108 100 10,000 SH   DFND   0 0 10,000
TARGET CORP COM 87612E106 6,821 27,096 SH   DFND   0 0 27,096
RAYTHEON TECHNOLOGIES CORP COM 75513E101 316 3,709 SH   DFND   0 0 3,709
QUANTA SVCS INC COM 74762E102 896 9,989 SH   DFND   0 0 9,989
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138G649 610 11,350 SH   DFND   0 0 11,350