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
AMAZON COM INC COM COM 023135106 1,144 351 SH   DFND 1 0 0 351
AMAZON COM INC COM COM 023135106 270 83 SH   SOLE NONE 0 0 83
CBS CORP CL B CLASS B COM 92556H206 871 23,044 SH   SOLE NONE 0 0 23,044
TECHNOLOGY SELECT SECTOR SPDR FUND TECHNOLOGY 81369Y803 1,001 6,299 SH   SOLE NONE 0 0 6,299
JOHNSON & JOHNSON COM COM 478160104 420 2,372 SH   SOLE NONE 0 0 2,372
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 708 3,110 SH   DFND 1 0 0 3,110
VANGUARD INTERNATIONAL HIGH DIVIDEND YIELD ETF INTL HIGH ETF 921946794 5,085 75,207 SH   DFND 1 0 0 75,207
COSTCO WHOLESALE CORP COM 22160K105 583 1,013 SH   DFND 1 0 0 1,013
GOLDMAN SACHS GROUP INC COM 38141G104 792 2,401 SH   SOLE NONE 0 0 2,401
OLD DOMINION FREIGHT LINE INC COM COM 679580100 512 1,716 SH   DFND 1 0 0 1,716
FIRST TRUST MORNINGSTAR DIVIDEND LEADERS INDEX FUND SHS 336917109 234 6,255 SH   SOLE NONE 0 0 6,255
TRUIST FINL CORP COM COM 89832Q109 502 8,865 SH   DFND 1 0 0 8,865
MEDTRONIC PLC SHS SHS G5960L103 408 3,686 SH   DFND 1 0 0 3,686
SPDR DOW JONES INDUSTRIAL AVERAGE ETF UT SER 1 78467X109 358 1,035 SH   SOLE NONE 0 0 1,035
MERCK & CO INC COM 58933Y105 662 8,157 SH   DFND 1 0 0 8,157
MERCK & CO INC COM 58933Y105 870 10,519 SH   SOLE NONE 0 0 10,519
SPDR S&P 500 ETF TR UNIT 78462F103 4,811 10,653 SH   DFND 1 0 0 10,653
SPDR S&P 500 ETF TR UNIT 78462F103 305 676 SH   SOLE NONE 0 0 676
ALLSTATE CORP COM 020002101 274 1,981 SH   DFND 1 0 0 1,981
ANNALY CAPITAL MANAGEMENT INC COM COM 035710409 787 108,642 SH   SOLE NONE 0 0 108,642
COGNIZANT TECH SOLUTIONS CORP CL A 192446102 375 4,185 SH   DFND 1 0 0 4,185
ISHARES S&P 100 ETF S&P 100 ETF 464287101 206 990 SH   SOLE NONE 0 0 990
BANK NEW YORK MELLON CORP COM COM 064058100 853 17,202 SH   DFND 1 0 0 17,202
VERIZON COMMUNICATIONS COM 92343V104 214 4,206 SH   DFND 1 0 0 4,206
VERIZON COMMUNICATIONS COM 92343V104 1,159 22,758 SH   SOLE NONE 0 0 22,758
KIMBERLY-CLARK CORP COM COM 494368103 592 4,773 SH   SOLE NONE 0 0 4,773
INTERPUBLIC GROUP COS INC COM COM 460690100 789 22,269 SH   DFND 1 0 0 22,269
TE CONNECTIVITY LTD SHS H84989104 252 1,925 SH   DFND 1 0 0 1,925
HONEYWELL INTL INC COM 438516106 225 1,160 SH   SOLE NONE 0 0 1,160
FORD MOTOR COMPANY COM 345370860 622 36,839 SH   SOLE NONE 0 0 36,839
BP PLC SPONSORED ADR SPONSORED ADR 055622104 824 28,043 SH   SOLE NONE 0 0 28,043
SPDR BLOOMBERG CONVERTIBLE SECURITIES ETF BLOOMBERG CONV 78464A359 308 4,009 SH   DFND 1 0 0 4,009
HOME DEPOT COM 437076102 312 1,044 SH   DFND 1 0 0 1,044
HOME DEPOT COM 437076102 523 1,750 SH   SOLE NONE 0 0 1,750
BLACKROCK CAP INVT CORP 5 NOTE 5.000% 6/1 092533AC2 20 20,000 SH   DFND 1 0 0 20,000
REDWOOD TRUST INC 4.75 NOTE 4.750% 8/1 758075AC9 29 30,000 SH   DFND 1 0 0 30,000
HEALTH CARE SELECT SECTOR SPDR FUND SBI HEALTHCARE 81369Y209 327 2,390 SH   SOLE NONE 0 0 2,390
SPDR GOLD ETF GOLD SHS 78463V107 382 2,118 SH   SOLE NONE 0 0 2,118
SOUTHERN CO COM COM 842587107 362 5,001 SH   SOLE NONE 0 0 5,001
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 4,631 16,680 SH   DFND 1 0 0 16,680
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 257 7,008 SH   DFND 1 0 0 7,008
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 5,023 46,566 SH   DFND 1 0 0 46,566
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 1,488 4,219 SH   DFND 1 0 0 4,219
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 453 1,285 SH   SOLE NONE 0 0 1,285
ADOBE SYS INC COM 00724F101 676 1,485 SH   DFND 1 0 0 1,485
GREENBRIER COS INC NOTE 2.875% 2/0 393657AK7 18 17,000 SH   DFND 1 0 0 17,000
GOOGLE INC CAP STK CL A 02079K305 1,682 605 SH   DFND 1 0 0 605
FISERV INC COM COM 337738108 371 3,667 SH   DFND 1 0 0 3,667
COMCAST CORP NEW CL A CL A 20030N101 693 14,821 SH   DFND 1 0 0 14,821
MICROSOFT COM 594918104 640 2,078 SH   DFND 1 0 0 2,078
MICROSOFT COM 594918104 245 795 SH   SOLE NONE 0 0 795
VALERO ENERGY CORP COM COM 91913Y100 838 8,254 SH   SOLE NONE 0 0 8,254
INSPIRE MED SYS INC COM COM 457730109 883 3,440 SH   SOLE NONE 0 0 3,440
HCI GROUP INC 4.25 NOTE 4.250% 3/0 40416EAD5 21 19,000 SH   DFND 1 0 0 19,000
SCHLUMBERGER LTD COM STK COM STK 806857108 385 9,345 SH   DFND 1 0 0 9,345
CVS HEALTH CORP COM COM 126650100 202 1,996 SH   DFND 1 0 0 1,996
BAUSCH HEALTH COS INC COM COM 071734107 797 34,889 SH   SOLE NONE 0 0 34,889
VANGUARD MID-CAP INDEX FUND MID CAP ETF 922908629 2,320 9,755 SH   DFND 1 0 0 9,755
NEXTERA ENERGY INC COM COM 65339F101 232 2,742 SH   DFND 1 0 0 2,742
NEXTERA ENERGY INC COM COM 65339F101 1,026 12,113 SH   SOLE NONE 0 0 12,113
TESLA INC COM COM 88160R101 726 674 SH   DFND 1 0 0 674
TESLA INC COM COM 88160R101 1,158 1,075 SH   SOLE NONE 0 0 1,075
VANGUARD HEALTH CARE INDEX FUND HEALTH CAR ETF 92204A504 10,047 39,498 SH   DFND 1 0 0 39,498
FINANCIAL SELECT SECTOR SPDR FUND FINANCIAL 81369Y605 14,120 368,499 SH   DFND 1 0 0 368,499
FINANCIAL SELECT SECTOR SPDR FUND FINANCIAL 81369Y605 301 7,878 SH   SOLE NONE 0 0 7,878
NORFOLK SOUTHERN CRP COM 655844108 392 1,374 SH   DFND 1 0 0 1,374
BLACKROCK TAX MUNICPAL BD TR SHS SHS 09248X100 16,388 744,241 SH   DFND 1 0 0 744,241
WALGREENS BOOTS ALLIANCE INC COM COM 931427108 810 18,107 SH   SOLE NONE 0 0 18,107
STANLEY BLACK & DECKER INC COM COM 854502101 257 1,839 SH   DFND 1 0 0 1,839
CONSOLIDATED EDISON INC COM COM 209115104 236 2,501 SH   DFND 1 0 0 2,501
VISHAY INTERTECHNOLOGY INC NOTE 2.250% 6/1 928298AP3 23 24,000 SH   DFND 1 0 0 24,000
LILLY ELI & CO COM COM 532457108 645 2,253 SH   DFND 1 0 0 2,253
AIR PRODS & CHEMS INC COM COM 009158106 505 2,021 SH   DFND 1 0 0 2,021
MICRON TECHNOLOGY COM 595112103 792 10,169 SH   SOLE NONE 0 0 10,169
FREEPORT-MCMORAN INC CL B CL B 35671D857 570 11,471 SH   SOLE NONE 0 0 11,471
ISHARES FLOATING RATE BOND ETF FLTG RATE NT ETF 46429B655 318 6,300 SH   SOLE NONE 0 0 6,300
EVERSOURCE ENERGY COM COM 30040W108 204 2,320 SH   DFND 1 0 0 2,320
INVESCO DYNAMIC SEMICONDUCTORS ETF DYNMC SEMICNDT 46137V647 451 3,485 SH   SOLE NONE 0 0 3,485
CORSAIR GAMING INC COM COM 22041X102 569 26,914 SH   SOLE NONE 0 0 26,914
UWM HOLDINGS CORPORATION COM CL A COM CL A 91823B109 1,011 223,187 SH   SOLE NONE 0 0 223,187
ASTRA SPACE INC COM CL A COM CL A 04634X103 242 62,933 SH   SOLE NONE 0 0 62,933
SKILLZ INC COM COM 83067L109 71 23,842 SH   SOLE NONE 0 0 23,842
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 4,036 51,162 SH   DFND 1 0 0 51,162
VISA INC COM CL A 92826C839 831 3,750 SH   DFND 1 0 0 3,750
VANGUARD VALUE ETF VALUE ETF 922908744 18,441 124,790 SH   DFND 1 0 0 124,790
HORIZON THERAPEUTICS PUB L SHS SHS G46188101 265 2,522 SH   DFND 1 0 0 2,522
L3HARRIS TECHNOLOGIES INC COM COM 502431109 485 1,952 SH   DFND 1 0 0 1,952
AMERICAN TOWER CORP NEW COM COM 03027X100 713 2,842 SH   DFND 1 0 0 2,842
FIRST TRUST CAPITAL STRENGTH ETF CAP STRENGTH ETF 33733E104 239 3,065 SH   SOLE NONE 0 0 3,065
META PLATFORMS INC CL A CL A 30303M102 243 1,094 SH   DFND 1 0 0 1,094
INGREDION INC COM COM 457187102 339 3,891 SH   DFND 1 0 0 3,891
AMERICAN AIRLS GROUP INC COM COM 02376R102 957 52,445 SH   SOLE NONE 0 0 52,445
MONDELEZ INTL INC CL A CL A 609207105 254 4,055 SH   DFND 1 0 0 4,055
D R HORTON INC COM COM 23331A109 213 2,859 SH   DFND 1 0 0 2,859
PIONEER NAT RES CO COM COM 723787107 704 2,816 SH   DFND 1 0 0 2,816
KINDER MORGAN INC COM 49456B101 925 48,918 SH   SOLE NONE 0 0 48,918
NVIDIA CORPORATION COM COM 67066G104 676 2,481 SH   DFND 1 0 0 2,481
CUMMINS INC COM COM 231021106 384 1,873 SH   DFND 1 0 0 1,873
ABBVIE INC COM COM 00287Y109 959 5,917 SH   DFND 1 0 0 5,917
ABBVIE INC COM COM 00287Y109 289 1,784 SH   SOLE NONE 0 0 1,784
S&P GLOBAL INC COM COM 78409V104 454 1,108 SH   DFND 1 0 0 1,108
MACYS INC COM COM 55616P104 795 32,666 SH   SOLE NONE 0 0 32,666
QUALCOMM INC COM COM 747525103 535 3,507 SH   SOLE NONE 0 0 3,507
INTUITIVE SURGICAL INC COM NEW COM NEW 46120E602 411 1,363 SH   DFND 1 0 0 1,363
DISCOVER FINANCIAL SERVICES LLC COM 254709108 395 3,589 SH   DFND 1 0 0 3,589
CISCO SYS INC COM 17275R102 324 5,818 SH   DFND 1 0 0 5,818
ISHARES RUSSELL MID-CAP ETF RUS MID CAP ETF 464287499 7,427 95,177 SH   DFND 1 0 0 95,177
WISDOMTREE U.S. LARGECAP DIVIDEND FUND US LARGECAP DIVD 97717W307 246 3,747 SH   DFND 1 0 0 3,747
AUTODESK INC COM COM 052769106 418 1,951 SH   DFND 1 0 0 1,951
CDW CORP COM COM 12514G108 345 1,930 SH   DFND 1 0 0 1,930
AT&T INC COM COM 00206R102 255 10,810 SH   SOLE NONE 0 0 10,810
VANGUARD FINANCIALS INDEX FUND FINANCIALS ETF 92204A405 3,028 32,428 SH   DFND 1 0 0 32,428
ENERGY SELECT SECTOR SPDR FUND ENERGY 81369Y506 763 9,995 SH   SOLE NONE 0 0 9,995
MATERIALS SELECT SECTOR SPDR FUND SBI MATERIALS 81369Y100 4,409 50,018 SH   DFND 1 0 0 50,018
MATERIALS SELECT SECTOR SPDR FUND SBI MATERIALS 81369Y100 243 2,765 SH   SOLE NONE 0 0 2,765
GENERAL ELECTRIC CO COM NEW COM NEW 369604301 572 6,254 SH   SOLE NONE 0 0 6,254
ISHARES MSCI USA QUALITY FACTOR ETF MSCI USA QLT FCT 46432F339 7,547 56,057 SH   DFND 1 0 0 56,057
ISHARES IBOXX HIGH YIELD CORPORATE BOND ETF IBOXX HI YD ETF 464288513 4,071 49,482 SH   DFND 1 0 0 49,482
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 18,748 101,341 SH   DFND 1 0 0 101,341
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 242 1,310 SH   SOLE NONE 0 0 1,310
ISHARES U.S. FINANCIAL SERVICES ETF U.S. FIN SVC ETF 464287770 275 1,527 SH   DFND 1 0 0 1,527
FIDELITY MSCI HEALTH CARE INDEX ETF MSCI HLTH CARE I 316092600 19,315 294,173 SH   DFND 1 0 0 294,173
GAMING & LEISURE PPTYS INC COM COM 36467J108 298 6,352 SH   DFND 1 0 0 6,352
FIDELITY MSCI INFORMATION TECHNOLOGY INDEX ETF MSCI INFO TECH I 316092808 264 2,145 SH   SOLE NONE 0 0 2,145
WELLS FARGO CO NEW COM COM 949746101 633 13,075 SH   DFND 1 0 0 13,075
SALESFORCE INC COM COM 79466L302 300 1,416 SH   DFND 1 0 0 1,416
MICROCHIP TECHNOLOGY INC COM 595017104 616 8,204 SH   DFND 1 0 0 8,204
THERMO FISHER SCIENTIFIC INC COM COM 883556102 503 853 SH   DFND 1 0 0 853
JPMORGAN CHASE & CO COM COM 46625H100 602 4,419 SH   DFND 1 0 0 4,419
CHEVRON CORP NEW COM COM 166764100 688 4,229 SH   DFND 1 0 0 4,229
DANAHER CORPORATION COM COM 235851102 566 1,931 SH   DFND 1 0 0 1,931
BK OF AMERICA CORP COM COM 060505104 238 5,775 SH   DFND 1 0 0 5,775
BK OF AMERICA CORP COM COM 060505104 201 4,898 SH   SOLE NONE 0 0 4,898
VANGUARD CONSUMER DISCRETIONARY INDEX FUND CONSUM DIS ETF 92204A108 3,337 10,933 SH   DFND 1 0 0 10,933
INTL BUSINESS MACHINES COM 459200101 818 6,297 SH   SOLE NONE 0 0 6,297
TARGET CORP COM COM 87612E106 617 2,910 SH   DFND 1 0 0 2,910
MORGAN STANLEY COM NEW COM NEW 617446448 571 6,537 SH   SOLE NONE 0 0 6,537
HP INC COM COM 40434L105 547 15,069 SH   SOLE NONE 0 0 15,069
AMERICAN EXPRESS CO COM COM 025816109 250 1,342 SH   DFND 1 0 0 1,342
APPLIED MATLS INC COM COM 038222105 531 4,033 SH   DFND 1 0 0 4,033
ANALOG DEVICES INC COM COM 032654105 729 4,418 SH   DFND 1 0 0 4,418
WILLIAMS COS INC COM COM 969457100 215 6,453 SH   DFND 1 0 0 6,453
CATALENT INC COM COM 148806102 438 3,956 SH   DFND 1 0 0 3,956
INVESCO NATIONAL AMT-FREE MUNICIPAL BOND ETF NATL AMT MUNI 46138E537 676 27,120 SH   DFND 1 0 0 27,120
B&G FOODS INC CLASS A COM 05508R106 385 14,299 SH   SOLE NONE 0 0 14,299
LAM RESEARCH CORP COM COM 512807108 301 560 SH   DFND 1 0 0 560
PHILIP MORRIS INTL INC COM 718172109 812 8,651 SH   DFND 1 0 0 8,651
NUCOR CORP COM COM 670346105 318 2,140 SH   DFND 1 0 0 2,140
PNC FINL SVCS GROUP INC COM COM 693475105 460 2,494 SH   DFND 1 0 0 2,494
BARRICK GOLD CORP F COM 067901108 684 27,894 SH   SOLE NONE 0 0 27,894
ALTRIA GROUP INC COM COM 02209S103 460 8,842 SH   DFND 1 0 0 8,842
EXXON MOBIL CORP COM COM 30231G102 325 3,939 SH   SOLE NONE 0 0 3,939
UNITEDHEALTH GROUP COM 91324P102 555 1,090 SH   SOLE NONE 0 0 1,090
ARK INNOVATION ETF INNOVATION ETF 00214Q104 272 4,107 SH   DFND 1 0 0 4,107
ARK INNOVATION ETF INNOVATION ETF 00214Q104 285 4,308 SH   SOLE NONE 0 0 4,308
DEVON ENERGY CORP NEW COM COM 25179M103 498 8,437 SH   DFND 1 0 0 8,437
ACTIVISION BLIZZARD INC COM COM 00507V109 275 3,436 SH   DFND 1 0 0 3,436
BLACKROCK INC COM 09247X101 486 636 SH   DFND 1 0 0 636
BIO-TECHNE CORP COM COM 09073M104 505 1,167 SH   DFND 1 0 0 1,167
APPLE INC COM 037833100 4,138 23,699 SH   DFND 1 0 0 23,699
APPLE INC COM 037833100 4,428 25,361 SH   SOLE NONE 0 0 25,361
ISHARES CONVERTIBLE BOND ETF CONV BD ETF 46435G102 2,188 26,265 SH   DFND 1 0 0 26,265
DISNEY WALT CO COM COM 254687106 233 1,701 SH   DFND 1 0 0 1,701