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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100   219,690 2,001 SH   SOLE   0 0 2,001
ABBOTT LABS COM 002824100   203,112 1,850 SH   DFND 1 0 0 1,850
ABBVIE INC COM 00287Y109   806,919 4,993 SH   SOLE   0 0 4,993
ABBVIE INC COM 00287Y109   276,191 1,709 SH   DFND 1 0 0 1,709
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   286,161 3,207 SH   SOLE   0 0 3,207
ABRDN PRECIOUS METALS BASKET PHYSCL PRECS MET 003263100   28,197 316 SH   DFND 1 0 0 316
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   220,944 828 SH   DFND 1 0 0 828
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,736 14 SH   SOLE   0 0 14
ALPHABET INC CAP STK CL C 02079K107   221,648 2,498 SH   DFND 1 0 0 2,498
ALPHABET INC CAP STK CL A 02079K305   38,380 435 SH   SOLE   0 0 435
ALPHABET INC CAP STK CL C 02079K107   47,116 531 SH   SOLE   0 0 531
ALPHABET INC CAP STK CL A 02079K305   229,045 2,596 SH   DFND 1 0 0 2,596
AMAZON COM INC COM 023135106   131,292 1,563 SH   SOLE   0 0 1,563
AMAZON COM INC COM 023135106   236,880 2,820 SH   DFND 1 0 0 2,820
APPLE INC COM 037833100   4,154,755 31,977 SH   SOLE   0 0 31,977
APPLE INC COM 037833100   633,409 4,875 SH   DFND 1 0 0 4,875
BANK AMERICA CORP COM 060505104   219,652 6,632 SH   DFND 1 0 0 6,632
BANK AMERICA CORP COM 060505104   43,851 1,324 SH   SOLE   0 0 1,324
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   128,811 417 SH   SOLE   0 0 417
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   267,199 865 SH   DFND 1 0 0 865
BROADCOM INC COM 11135F101   240,985 431 SH   DFND 1 0 0 431
BROADCOM INC COM 11135F101   31,870 57 SH   SOLE   0 0 57
CAMPBELL SOUP CO COM 134429109   840,354 14,808 SH   SOLE   0 0 14,808
CAMPBELL SOUP CO COM 134429109   454 8 SH   DFND 1 0 0 8
CHEVRON CORP NEW COM 166764100   173,208 965 SH   SOLE   0 0 965
CHEVRON CORP NEW COM 166764100   205,516 1,145 SH   DFND 1 0 0 1,145
COLUMBIA ETF TR I MULTI SEC MUNI 19761L607   100,639 4,992 SH   SOLE   0 0 4,992
COLUMBIA ETF TR I MULTI SEC MUNI 19761L607   243,573 12,082 SH   DFND 1 0 0 12,082
COMCAST CORP NEW CL A 20030N101   208,946 5,975 SH   DFND 1 0 0 5,975
COMCAST CORP NEW CL A 20030N101   48,503 1,387 SH   SOLE   0 0 1,387
CONOCOPHILLIPS COM 20825C104   7,080 60 SH   SOLE   0 0 60
CONOCOPHILLIPS COM 20825C104   252,874 2,143 SH   DFND 1 0 0 2,143
COSTCO WHSL CORP NEW COM 22160K105   272,987 598 SH   SOLE   0 0 598
COSTCO WHSL CORP NEW COM 22160K105   107,734 236 SH   DFND 1 0 0 236
EXXON MOBIL CORP COM 30231G102   271,546 2,462 SH   SOLE   0 0 2,462
EXXON MOBIL CORP COM 30231G102   326,598 2,961 SH   DFND 1 0 0 2,961
FIRST TR EXCHNG TRADED FD VI CBOE EQT DEP NOV 33740F839   443,985 13,590 SH   SOLE   0 0 13,590
HERSHEY CO COM 427866108   313,511 1,354 SH   SOLE   0 0 1,354
HERSHEY CO COM 427866108   15,747 68 SH   DFND 1 0 0 68
HOME DEPOT INC COM 437076102   217,943 690 SH   SOLE   0 0 690
HOME DEPOT INC COM 437076102   245,739 778 SH   DFND 1 0 0 778
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843   1,188,046 50,023 SH   SOLE   0 0 50,023
INDEXIQ ACTIVE ETF TR IQ MACKAY INTRME 45409F827   705,272 29,228 SH   SOLE   0 0 29,228
INTUITIVE SURGICAL INC COM NEW 46120E602   285,782 1,077 SH   SOLE   0 0 1,077
INTUITIVE SURGICAL INC COM NEW 46120E602   9,818 37 SH   DFND 1 0 0 37
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   995,244 40,375 SH   SOLE   0 0 40,375
INVESCO DB COMMDY INDX TRCK UNIT 46138B103   6,779 275 SH   DFND 1 0 0 275
INVESCO EXCH TRADED FD TR II S&P EMRNG MKTS 46138E297   1,878,179 81,624 SH   SOLE   0 0 81,624
INVESCO EXCH TRADED FD TR II S&P INTL QULTY 46138E214   1,248,465 50,474 SH   SOLE   0 0 50,474
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   2,009,432 48,373 SH   SOLE   0 0 48,373
INVESCO EXCH TRADED FD TR II FTSE RAFI DEV 46138E743   24,675 594 SH   DFND 1 0 0 594
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   240,539 11,943 SH   SOLE   0 0 11,943
INVESCO EXCHANGE TRADED FD T S&P500 PUR GWT 46137V266   724,847 4,781 SH   SOLE   0 0 4,781
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   380,610 2,403 SH   SOLE   0 0 2,403
INVESCO QQQ TR UNIT SER 1 46090E103   1,791,770 6,729 SH   SOLE   0 0 6,729
ISHARES INC MSCI EMRG CHN 46434G764   263,933 5,560 SH   SOLE   0 0 5,560
ISHARES INC MSCI GBL MIN VOL 464286525   796,088 8,378 SH   SOLE   0 0 8,378
ISHARES TR CORE MSCI EAFE 46432F842   127,718 2,072 SH   DFND 1 0 0 2,072
ISHARES TR TRS FLT RT BD 46434V860   499,866 9,916 SH   DFND 1 0 0 9,916
ISHARES TR NATIONAL MUN ETF 464288414   412,372 3,908 SH   DFND 1 0 0 3,908
ISHARES TR CORE S&P500 ETF 464287200   39,189 102 SH   DFND 1 0 0 102
ISHARES TR S&P 500 GRWT ETF 464287309   9,126 156 SH   DFND 1 0 0 156
ISHARES TR CORE S&P TTL STK 464287150   47,573 561 SH   DFND 1 0 0 561
ISHARES TR US TREAS BD ETF 46429B267   242,846 10,689 SH   SOLE   0 0 10,689
ISHARES TR CORE MSCI EAFE 46432F842   202,121 3,279 SH   SOLE   0 0 3,279
ISHARES TR MSCI USA MMENTM 46432F396   770,219 5,278 SH   SOLE   0 0 5,278
ISHARES TR MSCI USA QLT FCT 46432F339   652,877 5,729 SH   SOLE   0 0 5,729
ISHARES TR 0-5YR HI YL CP 46434V407   264,763 6,475 SH   SOLE   0 0 6,475
ISHARES TR ESG AWR MSCI USA 46435G425   6,238,778 73,614 SH   SOLE   0 0 73,614
ISHARES TR CORE TOTAL USD 46434V613   746,573 16,616 SH   SOLE   0 0 16,616
ISHARES TR TRS FLT RT BD 46434V860   3,766,635 74,720 SH   SOLE   0 0 74,720
ISHARES TR SHRT NAT MUN ETF 464288158   813,202 7,799 SH   SOLE   0 0 7,799
ISHARES TR CORE HIGH DV ETF 46429B663   359,420 3,448 SH   SOLE   0 0 3,448
ISHARES TR MSCI USA MIN VOL 46429B697   1,272,853 17,654 SH   SOLE   0 0 17,654
ISHARES TR MBS ETF 464288588   546,987 5,897 SH   SOLE   0 0 5,897
ISHARES TR NATIONAL MUN ETF 464288414   296,300 2,808 SH   SOLE   0 0 2,808
ISHARES TR IBONDS 23 TRM TS 46436E882   2,716,452 109,978 SH   SOLE   0 0 109,978
ISHARES TR S&P MC 400GR ETF 464287606   291,778 4,272 SH   SOLE   0 0 4,272
ISHARES TR CORE S&P SCP ETF 464287804   421,958 4,459 SH   SOLE   0 0 4,459
ISHARES TR S&P SML 600 GWT 464287887   328,650 3,041 SH   SOLE   0 0 3,041
ISHARES TR S&P 500 VAL ETF 464287408   257,789 1,777 SH   SOLE   0 0 1,777
ISHARES TR CORE S&P500 ETF 464287200   19,514,871 50,792 SH   SOLE   0 0 50,792
ISHARES TR S&P 500 GRWT ETF 464287309   429,189 7,337 SH   SOLE   0 0 7,337
ISHARES TR RUS 1000 ETF 464287622   1,356,801 6,445 SH   SOLE   0 0 6,445
ISHARES TR RUS 1000 GRW ETF 464287614   267,157 1,247 SH   SOLE   0 0 1,247
ISHARES TR RUSSELL 3000 ETF 464287689   1,703,416 7,719 SH   SOLE   0 0 7,719
ISHARES TR U.S. FINLS ETF 464287788   237,731 3,150 SH   SOLE   0 0 3,150
ISHARES TR U.S. TECH ETF 464287721   865,193 11,615 SH   SOLE   0 0 11,615
ISHARES TR MSCI EAFE ETF 464287465   276,112 4,206 SH   SOLE   0 0 4,206
ISHARES TR RUS MID CAP ETF 464287499   478,315 7,091 SH   SOLE   0 0 7,091
ISHARES TR CORE S&P TTL STK 464287150   892,094 10,520 SH   SOLE   0 0 10,520
ISHARES TR 10-20 YR TRS ETF 464288653   248,528 2,297 SH   SOLE   0 0 2,297
ISHARES TR EAFE VALUE ETF 464288877   1,182,228 25,768 SH   SOLE   0 0 25,768
ISHARES TR EAFE GRWTH ETF 464288885   910,059 10,865 SH   SOLE   0 0 10,865
ISHARES TR SELECT DIVID ETF 464287168   218,648 1,813 SH   SOLE   0 0 1,813
J P MORGAN EXCHANGE TRADED F INTL BD OPP ETF 46641Q852   3,716,563 80,827 SH   SOLE   0 0 80,827
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   2,843,251 56,263 SH   SOLE   0 0 56,263
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   349,551 6,917 SH   DFND 1 0 0 6,917
JOHNSON & JOHNSON COM 478160104   327,509 1,854 SH   DFND 1 0 0 1,854
JOHNSON & JOHNSON COM 478160104   448,691 2,540 SH   SOLE   0 0 2,540
JPMORGAN CHASE & CO COM 46625H100   182,912 1,364 SH   SOLE   0 0 1,364
JPMORGAN CHASE & CO COM 46625H100   283,622 2,115 SH   DFND 1 0 0 2,115
KRANESHARES TR QUADRTC INT RT 500767736   317,037 14,022 SH   SOLE   0 0 14,022
KRANESHARES TR QUADRTC INT RT 500767736   272,677 12,060 SH   DFND 1 0 0 12,060
LILLY ELI & CO COM 532457108   182,188 498 SH   SOLE   0 0 498
LILLY ELI & CO COM 532457108   237,430 649 SH   DFND 1 0 0 649
LOWES COS INC COM 548661107   111,574 560 SH   DFND 1 0 0 560
LOWES COS INC COM 548661107   253,234 1,271 SH   SOLE   0 0 1,271
MASTERCARD INCORPORATED CL A 57636Q104   3,825 11 SH   SOLE   0 0 11
MASTERCARD INCORPORATED CL A 57636Q104   318,868 917 SH   DFND 1 0 0 917
MCDONALDS CORP COM 580135101   475,292 1,804 SH   SOLE   0 0 1,804
MCDONALDS CORP COM 580135101   273,500 1,038 SH   DFND 1 0 0 1,038
MICROSOFT CORP COM 594918104   554,224 2,311 SH   SOLE   0 0 2,311
MICROSOFT CORP COM 594918104   936,257 3,904 SH   DFND 1 0 0 3,904
NETFLIX INC COM 64110L106   266,866 905 SH   DFND 1 0 0 905
NETFLIX INC COM 64110L106   2,949 10 SH   SOLE   0 0 10
NEXTERA ENERGY INC COM 65339F101   262,253 3,137 SH   SOLE   0 0 3,137
NEXTERA ENERGY INC COM 65339F101   165,026 1,974 SH   DFND 1 0 0 1,974
NORTHROP GRUMMAN CORP COM 666807102   3,274 6 SH   SOLE   0 0 6
NORTHROP GRUMMAN CORP COM 666807102   364,467 668 SH   DFND 1 0 0 668
NVIDIA CORPORATION COM 67066G104   267,582 1,831 SH   DFND 1 0 0 1,831
NVIDIA CORPORATION COM 67066G104   12,422 85 SH   SOLE   0 0 85
PEPSICO INC COM 713448108   345,833 1,914 SH   SOLE   0 0 1,914
PEPSICO INC COM 713448108   222,573 1,232 SH   DFND 1 0 0 1,232
PFIZER INC COM 717081103   341,310 6,661 SH   SOLE   0 0 6,661
PFIZER INC COM 717081103   251,178 4,902 SH   DFND 1 0 0 4,902
PIMCO ETF TR INTER MUN BD ACT 72201R866   218,211 4,247 SH   DFND 1 0 0 4,247
PIMCO ETF TR INV GRD CRP BD 72201R817   7,421,400 79,800 SH   SOLE   0 0 79,800
PIMCO ETF TR INTER MUN BD ACT 72201R866   553,054 10,764 SH   SOLE   0 0 10,764
PIMCO ETF TR 25YR+ ZERO U S 72201R882   2,574,630 29,485 SH   SOLE   0 0 29,485
PROCTER AND GAMBLE CO COM 742718109   289,895 1,913 SH   SOLE   0 0 1,913
PROCTER AND GAMBLE CO COM 742718109   204,909 1,352 SH   DFND 1 0 0 1,352
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,716 38 SH   DFND 1 0 0 38
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   371,314 8,224 SH   SOLE   0 0 8,224
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   607,609 13,310 SH   SOLE   0 0 13,310
SELECT SECTOR SPDR TR ENERGY 81369Y506   11,196 128 SH   DFND 1 0 0 128
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   629,902 17,057 SH   SOLE   0 0 17,057
SELECT SECTOR SPDR TR ENERGY 81369Y506   419,287 4,794 SH   SOLE   0 0 4,794
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   454,909 4,632 SH   SOLE   0 0 4,632
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,020,906 8,204 SH   SOLE   0 0 8,204
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   536,966 3,953 SH   SOLE   0 0 3,953
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   882,664 29,729 SH   SOLE   0 0 29,729
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   398,027 12,076 SH   SOLE   0 0 12,076
SPDR INDEX SHS FDS S&P GBLINF ETF 78463X855   219,325 4,184 SH   SOLE   0 0 4,184
SPDR S&P 500 ETF TR TR UNIT 78462F103   10,056,406 26,296 SH   SOLE   0 0 26,296
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   315,899 713 SH   SOLE   0 0 713
SPDR SER TR PORTFOLI S&P1500 78464A805   413,958 8,754 SH   SOLE   0 0 8,754
SPDR SER TR PORTFOLIO S&P400 78464A847   1,800,189 42,357 SH   SOLE   0 0 42,357
SPDR SER TR S&P DIVID ETF 78464A763   299,889 2,397 SH   SOLE   0 0 2,397
SPDR SER TR PRTFLO S&P500 VL 78464A508   2,817,034 72,436 SH   SOLE   0 0 72,436
SPDR SER TR PORTFOLIO AGRGTE 78464A649   2,622,190 104,345 SH   SOLE   0 0 104,345
SPDR SER TR NUVEEN BLMBRG MU 78468R721   572,622 12,552 SH   SOLE   0 0 12,552
SPDR SER TR PORTFLI INTRMDIT 78464A672   637,744 22,583 SH   SOLE   0 0 22,583
SPDR SER TR PORTFOLIO LN TSR 78464A664   427,060 14,711 SH   SOLE   0 0 14,711
SPDR SER TR S&P 600 SML CAP 78464A813   322,345 3,921 SH   SOLE   0 0 3,921
SPDR SER TR PORTFOLIO S&P500 78464A854   9,057,295 201,363 SH   SOLE   0 0 201,363
SPDR SER TR PORT MTG BK ETF 78464A383   937,071 43,183 SH   SOLE   0 0 43,183
SPDR SER TR PORTFOLIO S&P600 78468R853   237,079 6,413 SH   SOLE   0 0 6,413
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   777,960 42,166 SH   SOLE   0 0 42,166
SPDR SER TR PORTFOLIO SH TSR 78468R101   449,037 15,543 SH   SOLE   0 0 15,543
SPDR SER TR BLOOMBERG SHT TE 78468R408   523,172 21,583 SH   SOLE   0 0 21,583
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   245,405 6,129 SH   SOLE   0 0 6,129
TIDAL ETF TR SP FDS S&P 500 886364801   587,853 22,847 SH   SOLE   0 0 22,847
TIDAL ETF TR SP DWJNS SUKUK 886364702   355,689 20,005 SH   SOLE   0 0 20,005
UNITEDHEALTH GROUP INC COM 91324P102   51,427 97 SH   SOLE   0 0 97
UNITEDHEALTH GROUP INC COM 91324P102   524,348 989 SH   DFND 1 0 0 989
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885   237,177 1,450 SH   SOLE   0 0 1,450
VANGUARD INDEX FDS GROWTH ETF 922908736   50,933 239 SH   DFND 1 0 0 239
VANGUARD INDEX FDS TOTAL STK MKT 922908769   331,141 1,732 SH   SOLE   0 0 1,732
VANGUARD INDEX FDS MID CAP ETF 922908629   251,705 1,235 SH   SOLE   0 0 1,235
VANGUARD INDEX FDS GROWTH ETF 922908736   894,849 4,199 SH   SOLE   0 0 4,199
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   253,102 1,408 SH   SOLE   0 0 1,408
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   285,897 2,114 SH   SOLE   0 0 2,114
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   295,330 5,108 SH   SOLE   0 0 5,108
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   278,493 1,834 SH   SOLE   0 0 1,834
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   249,099 2,302 SH   SOLE   0 0 2,302
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   200,356 1,097 SH   SOLE   0 0 1,097
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   307,582 1,240 SH   SOLE   0 0 1,240
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   373,562 1,950 SH   SOLE   0 0 1,950
VANGUARD WORLD FDS INF TECH ETF 92204A702   253,702 794 SH   SOLE   0 0 794
VERIZON COMMUNICATIONS INC COM 92343V104   64,577 1,639 SH   DFND 1 0 0 1,639
VERIZON COMMUNICATIONS INC COM 92343V104   243,216 6,173 SH   SOLE   0 0 6,173
VISA INC COM CL A 92826C839   28,879 139 SH   SOLE   0 0 139
VISA INC COM CL A 92826C839   218,771 1,053 SH   DFND 1 0 0 1,053
WALMART INC COM 931142103   519,944 3,667 SH   SOLE   0 0 3,667
WALMART INC COM 931142103   156,253 1,102 SH   DFND 1 0 0 1,102
WELLS FARGO CO NEW COM 949746101   120,030 2,907 SH   DFND 1 0 0 2,907
WELLS FARGO CO NEW COM 949746101   629,920 15,256 SH   SOLE   0 0 15,256
WISDOMTREE TR GLB HIGH DIV FD 97717W877   37,721 806 SH   DFND 1 0 0 806
WISDOMTREE TR US TOTAL DIVIDND 97717W109   57,072 941 SH   DFND 1 0 0 941
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   2,640,784 52,532 SH   DFND 1 0 0 52,532
WISDOMTREE TR GLB HIGH DIV FD 97717W877   23,659,870 505,552 SH   SOLE   0 0 505,552
WISDOMTREE TR GLB US QTLY DIV 97717W844   1,435,109 44,534 SH   SOLE   0 0 44,534
WISDOMTREE TR US TOTAL DIVIDND 97717W109   30,878,706 509,130 SH   SOLE   0 0 509,130
WISDOMTREE TR ITL HIGH DIV FD 97717W802   13,275,523 370,101 SH   SOLE   0 0 370,101
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   33,500,054 666,402 SH   SOLE   0 0 666,402
WISDOMTREE TR EM EX ST-OWNED 97717X578   3,785,484 141,885 SH   SOLE   0 0 141,885