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
INVESCO EXCHNG TRADED FD TR FTSE RAFI EMNG 46138E727 46,359 2,078,886 SH   DFND 1 0 2,078,886 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 52,571 1,193,176 SH   DFND 1 0 1,193,176 0
SPDR INDEX SHS FDS S&P GLBDIV ETF 78463X459 62,852 879,726 SH   DFND 1 0 879,726 0
INVESCO EXCHNG TRADED FD TR S&P500 HDL VOL 46138E362 36,682 833,118 SH   DFND 1 0 833,118 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 54,382 674,637 SH   DFND 1 0 674,637 0
MOBILE TELESYSTEMS PJSC SPONSORED ADR 607409109 6,260 616,742 SH   DFND 1 0 616,742 0
ISHARES TR CORE US AGGBD ET 464287226 62,890 559,668 SH   DFND 1 0 559,668 0
NIKE INC CL B 654106103 54,453 537,485 SH   DFND 1 0 537,485 0
TURKCELL ILETISIM HIZMETLERI SPON ADR NEW 900111204 2,970 512,011 SH   DFND 1 0 512,011 0
ALPS ETF TR ALERIAN MLP 00162Q866 4,270 502,394 SH   DFND 1 0 502,394 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315 18,764 409,972 SH   DFND 1 0 409,972 0
WESTERN UN CO COM 959802109 10,739 401,000 SH   DFND 1 0 401,000 0
REDFIN CORP COM 75737F108 7,794 368,681 SH   DFND 1 0 368,681 0
SPDR SERIES TRUST S&P DIVID ETF 78464A763 37,739 350,835 SH   DFND 1 0 350,835 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 14,449 324,920 SH   DFND 1 0 324,920 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 104,310 324,086 SH   DFND 1 0 324,086 0
INFOSYS LTD SPONSORED ADR 456788108 2,981 288,884 SH   DFND 1 0 288,884 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209 2,020 272,617 SH   DFND 1 0 272,617 0
HP INC COM 40434L105 5,495 267,402 SH   DFND 1 0 267,402 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109 841 254,031 SH   DFND 1 0 254,031 0
ECOPETROL S A SPONSORED ADS 279158109 5,033 252,177 SH   DFND 1 0 252,177 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 10,648 231,187 SH   DFND 1 0 231,187 0
BARCLAYS PLC ADR 06738E204 2,100 220,562 SH   DFND 1 0 220,562 0
BANK AMER CORP COM 060505104 7,552 214,421 SH   DFND 1 0 214,421 0
ENERPLUS CORP COM 292766102 1,513 212,205 SH   DFND 1 0 212,205 0
BLOCK H & R INC COM 093671105 4,915 209,314 SH   DFND 1 0 209,314 0
CABOT OIL & GAS CORP COM 127097103 3,509 201,548 SH   DFND 1 0 201,548 0
INTEL CORP COM 458140100 11,635 194,395 SH   DFND 1 0 194,395 0
ORACLE CORP COM 68389X105 10,276 193,962 SH   DFND 1 0 193,962 0
INTERPUBLIC GROUP COS INC COM 460690100 4,386 189,854 SH   DFND 1 0 189,854 0
MICROSOFT CORP COM 594918104 2,865,603 189,229 SH   DFND 1 0 189,229 0
VALE S A SPONSORED ADS 91912E105 2,131 161,429 SH   DFND 1 0 161,429 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848 3,970 154,070 SH   DFND 1 0 154,070 0
FIAT CHRYSLER AUTOMOBILES N SHS N31738102 2,194 149,373 SH   DFND 1 0 149,373 0
CISCO SYS INC COM 17275R102 6,948 144,861 SH   DFND 1 0 144,861 0
TRANSPORTADORA DE GAS SUR SPONSORED ADS B 893870204 1,016 141,697 SH   DFND 1 0 141,697 0
HANESBRANDS INC COM 410345102 2,089 140,683 SH   DFND 1 0 140,683 0
EQUINOR ASA SPONSORED ADR 29446M102 2,769 139,072 SH   DFND 1 0 139,072 0
TERNIUM SA SPONSORED ADS 880890108 3,021 137,318 SH   DFND 1 0 137,318 0
VEDANTA LTD SPONSORED ADR 92242Y100 1,162 134,604 SH   DFND 1 0 134,604 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 6,248 132,964 SH   DFND 1 0 132,964 0
FALCON MINERALS CORP CL A COM 30607B109 934 132,326 SH   DFND 1 0 132,326 0
CARDINAL HEALTH INC COM 14149Y108 6,525 129,002 SH   DFND 1 0 129,002 0
BRISTOL MYERS SQUIBB CO COM 110122108 8,019 124,932 SH   DFND 1 0 124,932 0
VIACOMCBS INC CL B 92556H206 5,193 123,735 SH   DFND 1 0 123,735 0
ABB LTD SPONSORED ADR 000375204 2,971 123,324 SH   DFND 1 0 123,324 0
TAKEDA PHARMACEUTICAL CO LTD SPONSORED ADS 874060205 2,419 122,588 SH   DFND 1 0 122,588 0
GENERAL MLS INC COM 370334104 6,526 121,846 SH   DFND 1 0 121,846 0
CENTRAL PUERTO S A SPONSORED ADR 155038201 548 112,821 SH   DFND 1 0 112,821 0
WELLS FARGO CO NEW COM 949746101 5,958 110,752 SH   DFND 1 0 110,752 0
NIELSEN HLDGS PLC SHS EUR G6518L108 2,241 110,384 SH   DFND 1 0 110,384 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 6,447 107,379 SH   DFND 1 0 107,379 0
TAPESTRY INC COM 876030107 2,864 106,201 SH   DFND 1 0 106,201 0
NOVO-NORDISK A S ADR 670100205 6,117 105,686 SH   DFND 1 0 105,686 0
ALTRIA GROUP INC COM 02209S103 5,263 105,455 SH   DFND 1 0 105,455 0
FORD MTR CO DEL COM 345370860 981 105,454 SH   DFND 1 0 105,454 0
QUALCOMM INC COM 747525103 9,283 105,218 SH   DFND 1 0 105,218 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 4,460 105,046 SH   DFND 1 0 105,046 0
NIC INC COM 62914B100 2,306 103,190 SH   DFND 1 0 103,190 0
GENTEX CORP COM 371901109 2,869 99,005 SH   DFND 1 0 99,005 0
STELLUS CAP INVT CORP COM 858568108 1,368 96,153 SH   DFND 1 0 96,153 0
APPLIED MATLS INC COM 038222105 5,767 94,476 SH   DFND 1 0 94,476 0
PHILIP MORRIS INTL INC COM 718172109 8,019 94,246 SH   DFND 1 0 94,246 0
PFIZER INC COM 717081103 3,679 93,892 SH   DFND 1 0 93,892 0
ENCANA CORP COM 292505104 439 93,700 SH   DFND 1 0 93,700 0
CHINA MOBILE LIMITED SPONSORED ADR 16941M109 3,904 92,350 SH   DFND 1 0 92,350 0
XEROX HOLDINGS CORP COM NEW 98421M106 3,332 90,383 SH   DFND 1 0 90,383 0
ISHARES TR MSCI EMG MKT ETF 464287234 3,976 88,611 SH   DFND 1 0 88,611 0
PENTAIR PLC SHS G7S00T104 4,057 88,438 SH   DFND 1 0 88,438 0
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106 2,488 87,285 SH   DFND 1 0 87,285 0
TEXAS INSTRS INC COM 882508104 11,175 87,104 SH   DFND 1 0 87,104 0
PENNANTPARK FLOATING RATE CA COM 70806A106 1,036 85,045 SH   DFND 1 0 85,045 0
BANCO SANTANDER SA ADR 05964H105 352 85,004 SH   DFND 1 0 85,004 0
BARRICK GOLD CORPORATION COM 067901108 1,576 84,797 SH   DFND 1 0 84,797 0
VANGUARD STAR FD VG TL INTL STK F 921909768 4,722 84,783 SH   DFND 1 0 84,783 0
ROBERT HALF INTL INC COM 770323103 5,352 84,756 SH   DFND 1 0 84,756 0
AFLAC INC COM 001055102 4,477 84,639 SH   DFND 1 0 84,639 0
PRUDENTIAL PLC ADR 74435K204 3,155 82,841 SH   DFND 1 0 82,841 0
COMCAST CORP NEW CL A 20030N101 3,722 82,774 SH   DFND 1 0 82,774 0
HOLLYFRONTIER CORP COM 436106108 4,181 82,452 SH   DFND 1 0 82,452 0
MOMO INC ADR 60879B107 2,742 81,839 SH   DFND 1 0 81,839 0
RELX PLC SPONSORED ADR 759530108 2,035 80,527 SH   DFND 1 0 80,527 0
BLACK STONE MINERALS L P COM UNIT 09225M101 1,018 80,000 SH   DFND 1 0 80,000 0
FRANKLIN RES INC COM 354613101 2,026 77,992 SH   DFND 1 0 77,992 0
APPLE INC COM 037833100 22,866 77,869 SH   DFND 1 0 77,869 0
RICHMOND MUT BANCORPORATIN I COM 76525P100 1,203 75,380 SH   DFND 1 0 75,380 0
MAGNA INTL INC COM 559222401 4,101 74,789 SH   DFND 1 0 74,789 0
VERIZON COMMUNICATIONS INC COM 92343V104 4,561 74,286 SH   DFND 1 0 74,286 0
SEALED AIR CORP NEW COM 81211K100 2,930 73,558 SH   DFND 1 0 73,558 0
NUCOR CORP COM 670346105 4,098 72,813 SH   DFND 1 0 72,813 0
ACTIVISION BLIZZARD INC COM 00507V109 4,326 72,800 SH   DFND 1 0 72,800 0
MERCK & CO INC COM 58933Y105 6,449 70,905 SH   DFND 1 0 70,905 0
WPP PLC NEW ADR 92937A102 4,973 70,754 SH   DFND 1 0 70,754 0
PRINCIPAL FINL GROUP INC COM 74251V102 3,869 70,338 SH   DFND 1 0 70,338 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 33,579 70,030 SH   DFND 1 0 70,030 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,421 69,799 SH   DFND 1 0 69,799 0
AT&T INC COM 00206R102 2,725 69,735 SH   DFND 1 0 69,735 0
MANULIFE FINL CORP COM 56501R106 1,414 69,692 SH   DFND 1 0 69,692 0
SEAGATE TECHNOLOGY PLC SHS G7945M107 4,057 68,191 SH   DFND 1 0 68,191 0
JOHNSON & JOHNSON COM 478160104 9,930 68,075 SH   DFND 1 0 68,075 0
AMERISOURCEBERGEN CORP COM 03073E105 5,720 67,282 SH   DFND 1 0 67,282 0
AUTOLIV INC COM 052800109 5,543 65,666 SH   DFND 1 0 65,666 0
CITIGROUP INC COM NEW 172967424 5,212 65,235 SH   DFND 1 0 65,235 0
GILEAD SCIENCES INC COM 375558103 4,139 63,691 SH   DFND 1 0 63,691 0
NORBORD INC COM NEW 65548P403 1,678 62,789 SH   DFND 1 0 62,789 0
BHP GROUP LTD SPONSORED ADS 088606108 3,380 61,778 SH   DFND 1 0 61,778 0
GRUPO AEROPORTUARIO CTR NORT SPON ADR 400501102 3,664 61,136 SH   DFND 1 0 61,136 0
KINDER MORGAN INC DEL COM 49456B101 1,254 59,234 SH   DFND 1 0 59,234 0
ING GROEP N V SPONSORED ADR 456837103 692 57,449 SH   DFND 1 0 57,449 0
MEDTRONIC PLC SHS G5960L103 6,415 56,549 SH   DFND 1 0 56,549 0
SONY CORP SPONSORED ADR 835699307 3,835 56,403 SH   DFND 1 0 56,403 0
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308 1,076 55,657 SH   DFND 1 0 55,657 0
CVS HEALTH CORP COM 126650100 33,796 55,326 SH   DFND 1 0 55,326 0
COCA COLA CO COM 191216100 3,031 54,757 SH   DFND 1 0 54,757 0
SILICON MOTION TECHNOLOGY CO SPONSORED ADR 82706C108 2,769 54,608 SH   DFND 1 0 54,608 0
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 700 54,581 SH   DFND 1 0 54,581 0
MESABI TR CTF BEN INT 590672101 1,284 54,542 SH   DFND 1 0 54,542 0
SINOPEC SHANGHAI PETROCHEMIC SPON ADR H 82935M109 1,650 54,004 SH   DFND 1 0 54,004 0
HONEYWELL INTL INC COM 438516106 9,549 53,951 SH   DFND 1 0 53,951 0
ISHARES TR EAFE VALUE ETF 464288877 2,637 52,816 SH   DFND 1 0 52,816 0
ISHARES TR SHRT NAT MUN ETF 464288158 5,588 52,331 SH   DFND 1 0 52,331 0
C H ROBINSON WORLDWIDE INC COM NEW 12541W209 4,067 52,005 SH   DFND 1 0 52,005 0
ISHARES TR MSCI ACWI ETF 464288257 4,093 51,646 SH   DFND 1 0 51,646 0
EXXON MOBIL CORP COM 30231G102 3,572 51,195 SH   DFND 1 0 51,195 0
ISHARES TR NATIONAL MUN ETF 464288414 5,726 50,270 SH   DFND 1 0 50,270 0
ABBOTT LABS COM 002824100 4,366 50,260 SH   DFND 1 0 50,260 0
JPMORGAN CHASE & CO COM 46625H100 6,995 50,182 SH   DFND 1 0 50,182 0
OMNICOM GROUP INC COM 681919106 4,047 49,948 SH   DFND 1 0 49,948 0
DASEKE INC COM 23753F107 151 47,770 SH   DFND 1 0 47,770 0
ARES CAP CORP COM 04010L103 884 47,410 SH   DFND 1 0 47,410 0
AMGEN INC COM 031162100 11,322 46,968 SH   DFND 1 0 46,968 0
ABBVIE INC COM 00287Y109 4,152 46,897 SH   DFND 1 0 46,897 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 9,850 46,779 SH   DFND 1 0 46,779 0
MPLX LP COM UNIT REP LTD 55336V100 1,188 46,661 SH   DFND 1 0 46,661 0
BRASKEM S A SP ADR PFD A 105532105 686 46,323 SH   DFND 1 0 46,323 0
ENTERPRISE PRODS PARTNERS L COM 293792107 1,281 45,499 SH   DFND 1 0 45,499 0
KLA CORPORATION COM NEW 482480100 8,087 45,391 SH   DFND 1 0 45,391 0
UNILEVER PLC SPON ADR NEW 904767704 2,592 45,344 SH   DFND 1 0 45,344 0
SK TELECOM LTD SPONSORED ADR 78440P108 1,047 45,307 SH   DFND 1 0 45,307 0
AMERICAN EXPRESS CO COM 025816109 5,584 44,852 SH   DFND 1 0 44,852 0
PACCAR INC COM 693718108 3,527 44,590 SH   DFND 1 0 44,590 0
CGI INC CL A SUB VTG 12532H104 3,709 44,306 SH   DFND 1 0 44,306 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 2,562 43,444 SH   DFND 1 0 43,444 0
GLOBE LIFE INC COM 37959E102 4,529 43,031 SH   DFND 1 0 43,031 0
CIGNA CORP NEW COM 125523100 8,768 42,879 SH   DFND 1 0 42,879 0
NOVARTIS A G SPONSORED ADR 66987V109 3,996 42,203 SH   DFND 1 0 42,203 0
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 3,421 41,701 SH   DFND 1 0 41,701 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 3,390 41,605 SH   DFND 1 0 41,605 0
SUNCOR ENERGY INC NEW COM 867224107 1,351 41,198 SH   DFND 1 0 41,198 0
DOCUSIGN INC COM 256163106 188,139 41,139 SH   DFND 1 0 41,139 0
CHEVRON CORP NEW COM 166764100 4,929 40,902 SH   DFND 1 0 40,902 0
COSTCO WHSL CORP NEW COM 22160K105 11,967 40,714 SH   DFND 1 0 40,714 0
ORANGE SPONSORED ADR 684060106 583 39,955 SH   DFND 1 0 39,955 0
STARBUCKS CORP COM 855244109 3,471 39,479 SH   DFND 1 0 39,479 0
INTERNATIONAL BUSINESS MACHS COM 459200101 5,287 39,442 SH   DFND 1 0 39,442 0
RIO TINTO PLC SPONSORED ADR 767204100 2,328 39,226 SH   DFND 1 0 39,226 0
ALLSTATE CORP COM 020002101 4,316 38,380 SH   DFND 1 0 38,380 0
BEST BUY INC COM 086516101 3,359 38,253 SH   DFND 1 0 38,253 0
ASTRAZENECA PLC SPONSORED ADR 046353108 1,879 37,677 SH   DFND 1 0 37,677 0
PRUDENTIAL FINL INC COM 744320102 3,526 37,614 SH   DFND 1 0 37,614 0
BP PLC SPONSORED ADR 055622104 1,382 36,613 SH   DFND 1 0 36,613 0
VISA INC COM CL A 92826C839 6,875 36,587 SH   DFND 1 0 36,587 0
RESTAURANT BRANDS INTL INC COM 76131D103 2,304 36,132 SH   DFND 1 0 36,132 0
PRICE T ROWE GROUP INC COM 74144T108 4,354 35,733 SH   DFND 1 0 35,733 0
ALLISON TRANSMISSION HLDGS I COM 01973R101 1,687 34,906 SH   DFND 1 0 34,906 0
CATERPILLAR INC DEL COM 149123101 5,137 34,784 SH   DFND 1 0 34,784 0
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 636 34,598 SH   DFND 1 0 34,598 0
UNITEDHEALTH GROUP INC COM 91324P102 10,135 34,475 SH   DFND 1 0 34,475 0
SANOFI SPONSORED ADR 80105N105 1,730 34,468 SH   DFND 1 0 34,468 0
SPROTT PHYSICAL GOLD TRUST UNIT 85207H104 416 34,151 SH   DFND 1 0 34,151 0
DESPEGAR COM CORP ORD SHS G27358103 458 33,963 SH   DFND 1 0 33,963 0
EBAY INC COM 278642103 1,219 33,770 SH   DFND 1 0 33,770 0
FACEBOOK INC CL A 30303M102 6,910 33,666 SH   DFND 1 0 33,666 0
UNILEVER N V N Y SHS NEW 904784709 1,920 33,411 SH   DFND 1 0 33,411 0
PROCTER & GAMBLE CO COM 742718109 4,067 32,561 SH   DFND 1 0 32,561 0
ADVANCED ENERGY INDS COM 007973100 2,297 32,257 SH   DFND 1 0 32,257 0
DISNEY WALT CO COM DISNEY 254687106 4,647 32,129 SH   DFND 1 0 32,129 0
SAP SE SPON ADR 803054204 4,267 31,843 SH   DFND 1 0 31,843 0
JOYY INC ADS REPSTG COM A 46591M109 1,674 31,709 SH   DFND 1 0 31,709 0
AERCAP HOLDINGS NV SHS N00985106 1,930 31,399 SH   DFND 1 0 31,399 0
INTERCONTINENTAL HOTELS GROU SPONSORED ADS 45857P806 2,155 31,384 SH   DFND 1 0 31,384 0
US BANCORP DEL COM NEW 902973304 1,861 31,380 SH   DFND 1 0 31,380 0
MSG NETWORK INC CL A 553573106 537 30,859 SH   DFND 1 0 30,859 0
DELUXE CORP COM 248019101 1,513 30,309 SH   DFND 1 0 30,309 0
GPO AEROPORTUARIO DEL PAC SA SPON ADR B 400506101 3,564 30,044 SH   DFND 1 0 30,044 0
MCKESSON CORP COM 58155Q103 4,048 29,264 SH   DFND 1 0 29,264 0
ROCKWELL AUTOMATION INC COM 773903109 5,841 28,818 SH   DFND 1 0 28,818 0
MANPOWERGROUP INC COM 56418H100 2,695 27,756 SH   DFND 1 0 27,756 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 1,611 27,726 SH   DFND 1 0 27,726 0
NORTH AMERN CONSTR GROUP LTD COM 656811106 333 27,500 SH   DFND 1 0 27,500 0
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 1,611 26,861 SH   DFND 1 0 26,861 0
TOTAL S A SPONSORED ADS 89151E109 1,484 26,830 SH   DFND 1 0 26,830 0
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 2,512 26,592 SH   DFND 1 0 26,592 0
WEYERHAEUSER CO COM 962166104 784 25,972 SH   DFND 1 0 25,972 0
PAYPAL HLDGS INC COM 70450Y103 2,790 25,797 SH   DFND 1 0 25,797 0
ISHARES TR MSCI ACWI EX US 464288240 1,242 25,285 SH   DFND 1 0 25,285 0
SALESFORCE COM INC COM 79466L302 4,093 25,167 SH   DFND 1 0 25,167 0
HOME DEPOT INC COM 437076102 5,482 25,103 SH   DFND 1 0 25,103 0
UNION PACIFIC CORP COM 907818108 4,439 24,555 SH   DFND 1 0 24,555 0
MICRO FOCUS INTERNATIONAL PL SPON ADR NEW 594837403 344 24,542 SH   DFND 1 0 24,542 0
QUEST DIAGNOSTICS INC COM 74834L100 2,618 24,520 SH   DFND 1 0 24,520 0
SNAP ON INC COM 833034101 4,120 24,319 SH   DFND 1 0 24,319 0
KELLOGG CO COM 487836108 1,655 23,926 SH   DFND 1 0 23,926 0
BANK OF MARIN BANCORP COM 063425102 1,048 23,258 SH   DFND 1 0 23,258 0
THE CHARLES SCHWAB CORPORATI COM 808513105 1,096 23,049 SH   DFND 1 0 23,049 0
LILLY ELI & CO COM 532457108 3,012 22,914 SH   DFND 1 0 22,914 0
TARGET CORP COM 87612E106 2,874 22,414 SH   DFND 1 0 22,414 0
ISHARES GOLD TRUST ISHARES 464285105 324 22,333 SH   DFND 1 0 22,333 0
PEMBINA PIPELINE CORP COM 706327103 807 21,787 SH   DFND 1 0 21,787 0
NORDSTROM INC COM 655664100 888 21,701 SH   DFND 1 0 21,701 0
CNOOC LTD SPONSORED ADR 126132109 3,570 21,421 SH   DFND 1 0 21,421 0
BIOSPECIFICS TECHNOLOGIES CO COM 090931106 1,218 21,397 SH   DFND 1 0 21,397 0
NETAPP INC COM 64110D104 1,311 21,065 SH   DFND 1 0 21,065 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 328 20,710 SH   DFND 1 0 20,710 0
GILDAN ACTIVEWEAR INC COM 375916103 611 20,678 SH   DFND 1 0 20,678 0
MSC INDL DIRECT INC CL A 553530106 1,594 20,309 SH   DFND 1 0 20,309 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 287 19,968 SH   DFND 1 0 19,968 0
AKAMAI TECHNOLOGIES INC COM 00971T101 1,656 19,173 SH   DFND 1 0 19,173 0
TRAVELERS COMPANIES INC COM 89417E109 2,625 19,164 SH   DFND 1 0 19,164 0
COLLIERS INTL GROUP INC SUB VTG SHS 194693107 1,473 18,891 SH   DFND 1 0 18,891 0
GAP INC COM 364760108 334 18,886 SH   DFND 1 0 18,886 0
NEXTERA ENERGY INC COM 65339F101 4,471 18,464 SH   DFND 1 0 18,464 0
IHS MARKIT LTD SHS G47567105 1,376 18,263 SH   DFND 1 0 18,263 0
GENMAB A S SPONSORED ADS 372303206 407 18,231 SH   DFND 1 0 18,231 0
F5 NETWORKS INC COM 315616102 2,499 17,894 SH   DFND 1 0 17,894 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,017 17,736 SH   DFND 1 0 17,736 0
BOEING CO COM 097023105 5,698 17,492 SH   DFND 1 0 17,492 0
SPDR SERIES TRUST PORTFOLIO AGRGTE 78464A649 512 17,421 SH   DFND 1 0 17,421 0
RYANAIR HLDGS PLC SPONSORED ADS 783513203 1,522 17,376 SH   DFND 1 0 17,376 0
MICHAELS COS INC COM 59408Q106 137 16,990 SH   DFND 1 0 16,990 0
MARATHON OIL CORP COM 565849106 226 16,641 SH   DFND 1 0 16,641 0
ONEOK INC NEW COM 682680103 1,229 16,238 SH   DFND 1 0 16,238 0
PHILLIPS 66 PARTNERS LP COM UNIT REP INT 718549207 998 16,186 SH   DFND 1 0 16,186 0
WILLIAMS COS INC DEL COM 969457100 379 15,988 SH   DFND 1 0 15,988 0
L BRANDS INC COM 501797104 289 15,972 SH   DFND 1 0 15,972 0
COCA COLA FEMSA S A B DE C V SPONSORD ADR REP 191241108 960 15,842 SH   DFND 1 0 15,842 0
ZOETIS INC CL A 98978V103 2,070 15,637 SH   DFND 1 0 15,637 0
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 981 15,610 SH   DFND 1 0 15,610 0
ADOBE INC COM 00724F101 5,092 15,440 SH   DFND 1 0 15,440 0
UBER TECHNOLOGIES INC COM 90353T100 453 15,233 SH   DFND 1 0 15,233 0
SMARTSHEET INC COM CL A 83200N103 90,415 14,791 SH   DFND 1 0 14,791 0
MONROE CAP CORP COM 610335101 160 14,717 SH   DFND 1 0 14,717 0
THERMO FISHER SCIENTIFIC INC COM 883556102 4,718 14,523 SH   DFND 1 0 14,523 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,378 14,358 SH   DFND 1 0 14,358 0
TARO PHARMACEUTICAL INDS LTD SHS M8737E108 1,259 14,315 SH   DFND 1 0 14,315 0
HARLEY DAVIDSON INC COM 412822108 531 14,275 SH   DFND 1 0 14,275 0
CAPITAL ONE FINL CORP COM 14040H105 1,469 14,271 SH   DFND 1 0 14,271 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1,148 14,179 SH   DFND 1 0 14,179 0
GAMCO GLOBAL GOLD NAT RES & COM SH BEN INT 36465A109 62 14,000 SH   DFND 1 0 14,000 0
CBRE GROUP INC CL A 12504L109 832 13,578 SH   DFND 1 0 13,578 0
TARGA RES CORP COM 87612G101 534 13,084 SH   DFND 1 0 13,084 0
LINDE PLC SHS G5494J103 2,782 13,067 SH   DFND 1 0 13,067 0
NUTANIX INC CL A 67059N108 407 13,006 SH   DFND 1 0 13,006 0
TIVITY HEALTH INC COM 88870R102 260 12,792 SH   DFND 1 0 12,792 0
PEPSICO INC COM 713448108 1,723 12,608 SH   DFND 1 0 12,608 0
WALMART INC COM 931142103 1,473 12,396 SH   DFND 1 0 12,396 0
UNITED PARCEL SERVICE INC CL B 911312106 1,450 12,383 SH   DFND 1 0 12,383 0
VANGUARD INDEX FDS MID CAP ETF 922908629 2,155 12,092 SH   DFND 1 0 12,092 0
DEERE & CO COM 244199105 2,087 12,045 SH   DFND 1 0 12,045 0
VANGUARD INDEX FDS VALUE ETF 922908744 1,428 11,911 SH   DFND 1 0 11,911 0
MCDONALDS CORP COM 580135101 2,328 11,781 SH   DFND 1 0 11,781 0
STATE STR CORP COM 857477103 840 10,621 SH   DFND 1 0 10,621 0
TRIPADVISOR INC COM 896945201 317 10,437 SH   DFND 1 0 10,437 0
MARATHON PETE CORP COM 56585A102 623 10,348 SH   DFND 1 0 10,348 0
AMAZON COM INC COM 023135106 19,022 10,294 SH   DFND 1 0 10,294 0
ISHARES TR MSCI EAFE ETF 464287465 714 10,287 SH   DFND 1 0 10,287 0
DOLLAR GEN CORP NEW COM 256677105 1,574 10,090 SH   DFND 1 0 10,090 0
PARKER HANNIFIN CORP COM 701094104 2,063 10,024 SH   DFND 1 0 10,024 0
1895 BANCORP OF WIS INC COM 28252W105 108 10,000 SH   DFND 1 0 10,000 0
CHUBB LIMITED COM H1467J104 1,554 9,982 SH   DFND 1 0 9,982 0
AON PLC SHS CL A G0408V102 2,071 9,943 SH   DFND 1 0 9,943 0
CANADIAN NATL RY CO COM 136375102 866 9,573 SH   DFND 1 0 9,573 0
FEDEX CORP COM 31428X106 1,433 9,480 SH   DFND 1 0 9,480 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,689 9,270 SH   DFND 1 0 9,270 0
SPLUNK INC COM 848637104 1,374 9,172 SH   DFND 1 0 9,172 0
HSBC HLDGS PLC SPON ADR NEW 404280406 357 9,120 SH   DFND 1 0 9,120 0
ADVANCE AUTO PARTS INC COM 00751Y106 1,454 9,077 SH   DFND 1 0 9,077 0
ALEXION PHARMACEUTICALS INC COM 015351109 976 9,028 SH   DFND 1 0 9,028 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 479 8,918 SH   DFND 1 0 8,918 0
ON SEMICONDUCTOR CORP COM 682189105 217 8,909 SH   DFND 1 0 8,909 0
CRANE CO COM 224399105 768 8,886 SH   DFND 1 0 8,886 0
ENBRIDGE INC COM 29250N105 346 8,707 SH   DFND 1 0 8,707 0
FISERV INC COM 337738108 1,003 8,671 SH   DFND 1 0 8,671 0
RETAIL VALUE INC COM 76133Q102 319 8,658 SH   DFND 1 0 8,658 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,501 8,530 SH   DFND 1 0 8,530 0
RALPH LAUREN CORP CL A 751212101 984 8,396 SH   DFND 1 0 8,396 0
ECOLAB INC COM 278865100 1,563 8,098 SH   DFND 1 0 8,098 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,381 8,051 SH   DFND 1 0 8,051 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,332 8,040 SH   DFND 1 0 8,040 0
ELANCO ANIMAL HEALTH INC COM 28414H103 236 7,997 SH   DFND 1 0 7,997 0
BAXTER INTL INC COM 071813109 668 7,993 SH   DFND 1 0 7,993 0
FOOT LOCKER INC COM 344849104 301 7,731 SH   DFND 1 0 7,731 0
CUMMINS INC COM 231021106 1,374 7,678 SH   DFND 1 0 7,678 0
HESS CORP COM 42809H107 504 7,548 SH   DFND 1 0 7,548 0
BIOMARIN PHARMACEUTICAL INC COM 09061G101 633 7,485 SH   DFND 1 0 7,485 0
FIDELITY NATL INFORMATION SV COM 31620M106 1,021 7,337 SH   DFND 1 0 7,337 0
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 218 7,318 SH   DFND 1 0 7,318 0
ISHARES TR RUS MD CP GR ETF 464287481 1,105 7,245 SH   DFND 1 0 7,245 0
ISHARES TR RUS MDCP VAL ETF 464287473 679 7,165 SH   DFND 1 0 7,165 0
DOW INC COM 260557103 386 7,047 SH   DFND 1 0 7,047 0
CORTEVA INC COM 22052L104 207 6,992 SH   DFND 1 0 6,992 0
DUPONT DE NEMOURS INC COM 26614N102 449 6,992 SH   DFND 1 0 6,992 0
EXPEDIA GROUP INC COM NEW 30212P303 754 6,976 SH   DFND 1 0 6,976 0
STANLEY BLACK & DECKER INC COM 854502101 1,144 6,902 SH   DFND 1 0 6,902 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 627 6,762 SH   DFND 1 0 6,762 0
ISHARES TR RUS MID CAP ETF 464287499 402 6,744 SH   DFND 1 0 6,744 0
TJX COS INC NEW COM 872540109 407 6,670 SH   DFND 1 0 6,670 0
PAYCHEX INC COM 704326107 563 6,615 SH   DFND 1 0 6,615 0
NETFLIX INC COM 64110L106 2,136 6,602 SH   DFND 1 0 6,602 0
PALO ALTO NETWORKS INC COM 697435105 1,516 6,555 SH   DFND 1 0 6,555 0
ALPHABET INC CAP STK CL A 02079K305 8,726 6,515 SH   DFND 1 0 6,515 0
ISHARES TR MSCI USA ESG SLC 464288802 843 6,290 SH   DFND 1 0 6,290 0
SKYWORKS SOLUTIONS INC COM 83088M102 757 6,264 SH   DFND 1 0 6,264 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 1,313 6,191 SH   DFND 1 0 6,191 0
UNITED TECHNOLOGIES CORP COM 913017109 920 6,140 SH   DFND 1 0 6,140 0
NORFOLK SOUTHERN CORP COM 655844108 1,167 6,009 SH   DFND 1 0 6,009 0
CDN IMPERIAL BK COMM TORONTO COM 136069101 476 5,725 SH   DFND 1 0 5,725 0
BAIDU INC SPON ADR REP A 056752108 722 5,714 SH   DFND 1 0 5,714 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 322 5,693 SH   DFND 1 0 5,693 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 458 5,649 SH   DFND 1 0 5,649 0
CONOCOPHILLIPS COM 20825C104 358 5,506 SH   DFND 1 0 5,506 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,059 5,484 SH   DFND 1 0 5,484 0
NVIDIA CORP COM 67066G104 1,268 5,388 SH   DFND 1 0 5,388 0
CHENIERE ENERGY INC COM NEW 16411R208 323 5,284 SH   DFND 1 0 5,284 0
ISHARES TR CORE S&P SCP ETF 464287804 443 5,283 SH   DFND 1 0 5,283 0
PIONEER NAT RES CO COM 723787107 788 5,209 SH   DFND 1 0 5,209 0
ISHARES TR CORE S&P MCP ETF 464287507 1,026 4,986 SH   DFND 1 0 4,986 0
MASTERCARD INC CL A 57636Q104 1,437 4,813 SH   DFND 1 0 4,813 0
VMWARE INC CL A COM 928563402 718 4,729 SH   DFND 1 0 4,729 0
ZILLOW GROUP INC CL C CAP STK 98954M200 217 4,726 SH   DFND 1 0 4,726 0
RAYTHEON CO COM NEW 755111507 1,030 4,686 SH   DFND 1 0 4,686 0
DANAHER CORPORATION COM 235851102 716 4,665 SH   DFND 1 0 4,665 0
GRAINGER W W INC COM 384802104 1,571 4,641 SH   DFND 1 0 4,641 0
ALCON INC ORD SHS H01301128 259 4,587 SH   DFND 1 0 4,587 0
EATON CORP PLC SHS G29183103 433 4,575 SH   DFND 1 0 4,575 0
KIMBERLY CLARK CORP COM 494368103 604 4,392 SH   DFND 1 0 4,392 0
GOLDMAN SACHS GROUP INC COM 38141G104 1,001 4,355 SH   DFND 1 0 4,355 0
ISHARES TR RUS 1000 ETF 464287622 765 4,289 SH   DFND 1 0 4,289 0
LHC GROUP INC COM 50187A107 574 4,165 SH   DFND 1 0 4,165 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 493 4,132 SH   DFND 1 0 4,132 0
MCCORMICK & CO INC COM NON VTG 579780206 687 4,048 SH   DFND 1 0 4,048 0
PHILLIPS 66 COM 718546104 450 4,039 SH   DFND 1 0 4,039 0
ISHARES TR RUS 1000 VAL ETF 464287598 495 3,629 SH   DFND 1 0 3,629 0
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 212 3,616 SH   DFND 1 0 3,616 0
ISHARES TR CORE S&P500 ETF 464287200 1,142 3,532 SH   DFND 1 0 3,532 0
CONSOLIDATED EDISON INC COM 209115104 314 3,473 SH   DFND 1 0 3,473 0
BROADCOM INC COM 11135F101 1,077 3,407 SH   DFND 1 0 3,407 0
MOTOROLA SOLUTIONS INC COM NEW 620076307 524 3,250 SH   DFND 1 0 3,250 0
ILLINOIS TOOL WKS INC COM 452308109 579 3,226 SH   DFND 1 0 3,226 0
ARMSTRONG WORLD INDS INC NEW COM 04247X102 297 3,160 SH   DFND 1 0 3,160 0
BLACKROCK INC COM 09247X101 1,522 3,028 SH   DFND 1 0 3,028 0
DIREXION SHS ETF TR DLY RUSSIA BL 3X 25490K273 209 3,000 SH   DFND 1 0 3,000 0
SANDSTORM GOLD LTD CALL 80013R906 22,350 3,000 SH   DFND 1 0 3,000 0
INVESCO QQQ TR UNIT SER 1 46090E103 623 2,929 SH   DFND 1 0 2,929 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 267 2,890 SH   DFND 1 0 2,890 0
EQUINIX INC COM 29444U700 1,651 2,829 SH   DFND 1 0 2,829 0
BIOGEN INC COM 09062X103 834 2,809 SH   DFND 1 0 2,809 0
ANALOG DEVICES INC COM 032654105 321 2,703 SH   DFND 1 0 2,703 0
MARSH & MCLENNAN COS INC COM 571748102 281 2,526 SH   DFND 1 0 2,526 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 220 2,403 SH   DFND 1 0 2,403 0
AGILENT TECHNOLOGIES INC COM 00846U101 201 2,361 SH   DFND 1 0 2,361 0
TWITTER INC COM 90184L102 6,479 2,355 SH   DFND 1 0 2,355 0
ALPHABET INC CAP STK CL C 02079K107 3,131 2,342 SH   DFND 1 0 2,342 0
VULCAN MATLS CO COM 929160109 329 2,283 SH   DFND 1 0 2,283 0
RELIANCE STEEL & ALUMINUM CO COM 759509102 267 2,229 SH   DFND 1 0 2,229 0
PETMED EXPRESS INC COM 716382106 25,234 2,000 SH   DFND 1 0 2,000 0
LOWES COS INC COM 548661107 214 1,788 SH   DFND 1 0 1,788 0
S&P GLOBAL INC COM 78409V104 454 1,664 SH   DFND 1 0 1,664 0
PNC FINL SVCS GROUP INC COM 693475105 250 1,565 SH   DFND 1 0 1,565 0
INVESCO EXCHANGE TRADED FD T S&P 500 TOP 50 46137V233 365 1,565 SH   DFND 1 0 1,565 0
GLOBAL PMTS INC COM 37940X102 277 1,520 SH   DFND 1 0 1,520 0
OSISKO GOLD ROYALTIES LTD COM 68827L101 14,565 1,500 SH   DFND 1 0 1,500 0
CDW CORP COM 12514G108 201 1,407 SH   DFND 1 0 1,407 0
STRYKER CORP COM 863667101 280 1,336 SH   DFND 1 0 1,336 0
AMERIPRISE FINL INC COM 03076C106 213 1,277 SH   DFND 1 0 1,277 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 310 1,265 SH   DFND 1 0 1,265 0
3M CO COM 88579Y101 201 1,141 SH   DFND 1 0 1,141 0
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 304 1,065 SH   DFND 1 0 1,065 0
ISHARES TR U.S. TECH ETF 464287721 240 1,033 SH   DFND 1 0 1,033 0
NORTHROP GRUMMAN CORP COM 666807102 299 870 SH   DFND 1 0 870 0
KIRKLAND LAKE GOLD LTD COM 49741E100 35,256 800 SH   DFND 1 0 800 0
IQIYI INC SPONSORED ADS 46267X108 10,555 500 SH   DFND 1 0 500 0
SHERWIN WILLIAMS CO COM 824348106 279 478 SH   DFND 1 0 478 0
BOOKING HLDGS INC COM 09857L108 881 429 SH   DFND 1 0 429 0
CHIPOTLE MEXICAN GRILL INC COM 169656105 341 407 SH   DFND 1 0 407 0
FIVE9 INC COM 338307101 13,121 272 SH   DFND 1 0 272 0