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
AT&T INC COM 00206R102 976 34,245 SH   DFND 1 0 0 34,245
ABBOTT LABS COM 002824100 770 7,075 SH   DFND 1 0 0 7,075
ABBVIE INC COM 00287Y109 806 9,207 SH   DFND 1 0 0 9,207
ADVISORSHARES TR NEWFLT MULSINC 00768Y727 222 4,567 SH   DFND 1 0 0 4,567
AIR PRODS & CHEMS INC COM 009158106 1,107 3,716 SH   DFND 1 0 0 3,716
ALBEMARLE CORP COM 012653101 652 7,303 SH   DFND 1 0 0 7,303
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 550 1,871 SH   DFND 1 0 0 1,871
ALLIANCE RESOURCE PARTNERS L UT LTD PART 01877R108 1,106 399,107 SH   DFND 1 0 0 399,107
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 486 17,963 SH   DFND 1 0 0 17,963
ALPHABET INC CAP STK CL C 02079K107 1,011 688 SH   DFND 1 0 0 688
ALPHABET INC CAP STK CL A 02079K305 723 493 SH   DFND 1 0 0 493
AMAZON COM INC COM 023135106 5,400 1,715 SH   DFND 1 0 0 1,715
AMERICAN EXPRESS CO COM 025816109 820 8,180 SH   DFND 1 0 0 8,180
AMERICAN WTR WKS CO INC NEW COM 030420103 536 3,701 SH   DFND 1 0 0 3,701
AMGEN INC COM 031162100 1,305 5,136 SH   DFND 1 0 0 5,136
ANALOG DEVICES INC COM 032654105 474 4,064 SH   DFND 1 0 0 4,064
ANNALY CAPITAL MANAGEMENT IN COM 035710409 460 64,592 SH   DFND 1 0 0 64,592
APPLE INC COM 037833100 7,878 68,024 SH   DFND 1 0 0 68,024
BK OF AMERICA CORP COM 060505104 483 20,048 SH   DFND 1 0 0 20,048
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 673 452 SH   DFND 1 0 0 452
BANK NEW YORK MELLON CORP COM 064058100 404 11,759 SH   DFND 1 0 0 11,759
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 992 4,658 SH   DFND 1 0 0 4,658
BLACKSTONE GROUP INC COM CL A 09260D107 421 8,070 SH   DFND 1 0 0 8,070
BOEING CO COM 097023105 233 1,412 SH   DFND 1 0 0 1,412
BRISTOL-MYERS SQUIBB CO COM 110122108 1,264 20,970 SH   DFND 1 0 0 20,970
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 1,185 35,830 SH   DFND 1 0 0 35,830
CME GROUP INC COM 12572Q105 210 1,257 SH   DFND 1 0 0 1,257
CVS HEALTH CORP COM 126650100 1,136 19,445 SH   DFND 1 0 0 19,445
CAPITAL ONE FINL CORP COM 14040H105 444 6,184 SH   DFND 1 0 0 6,184
CARVANA CO CL A 146869102 201 900 SH   DFND 1 0 0 900
CATERPILLAR INC DEL COM 149123101 601 4,030 SH   DFND 1 0 0 4,030
CHEVRON CORP NEW COM 166764100 894 12,423 SH   DFND 1 0 0 12,423
CISCO SYS INC COM 17275R102 2,305 58,506 SH   DFND 1 0 0 58,506
COMCAST CORP NEW CL A 20030N101 314 6,778 SH   DFND 1 0 0 6,778
CONOCOPHILLIPS COM 20825C104 708 21,558 SH   DFND 1 0 0 21,558
COSTCO WHSL CORP NEW COM 22160K105 1,366 3,849 SH   DFND 1 0 0 3,849
CROWN CASTLE INTL CORP NEW COM 22822V101 648 3,890 SH   DFND 1 0 0 3,890
DNP SELECT INCOME FD INC COM 23325P104 138 13,713 SH   DFND 1 0 0 13,713
DANAHER CORPORATION COM 235851102 3,816 17,721 SH   DFND 1 0 0 17,721
DIAGEO PLC SPON ADR NEW 25243Q205 455 3,308 SH   DFND 1 0 0 3,308
DISNEY WALT CO COM DISNEY 254687106 1,833 14,775 SH   DFND 1 0 0 14,775
DUKE ENERGY CORP NEW COM NEW 26441C204 502 5,673 SH   DFND 1 0 0 5,673
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 1,145 24,612 SH   DFND 1 0 0 24,612
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 1,465 26,938 SH   DFND 1 0 0 26,938
ECOLAB INC COM 278865100 341 1,705 SH   DFND 1 0 0 1,705
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 217 39,994 SH   DFND 1 0 0 39,994
ENTERPRISE PRODS PARTNERS L COM 293792107 1,012 64,116 SH   DFND 1 0 0 64,116
EXCHANGE TRADED CONCEPTS TR EMQQ EM INTERN 301505889 602 11,525 SH   DFND 1 0 0 11,525
EXXON MOBIL CORP COM 30231G102 1,067 31,078 SH   DFND 1 0 0 31,078
FACEBOOK INC CL A 30303M102 1,165 4,449 SH   DFND 1 0 0 4,449
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 304 5,778 SH   DFND 1 0 0 5,778
FIRST FINL BANCORP OH COM 320209109 276 22,968 SH   DFND 1 0 0 22,968
FIRST TR EXCHANGE TRADED FD CHINDIA ETF 33733A102 737 15,479 SH   DFND 1 0 0 15,479
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 566 8,947 SH   DFND 1 0 0 8,947
FIRST TR EXCHANGE-TRADED FD FST LOW OPPT EFT 33739Q200 848 16,400 SH   DFND 1 0 0 16,400
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 3,441 57,334 SH   DFND 1 0 0 57,334
FORTIVE CORP COM 34959J108 507 6,647 SH   DFND 1 0 0 6,647
FRANCO NEV CORP COM 351858105 286 2,050 SH   DFND 1 0 0 2,050
GALLAGHER ARTHUR J & CO COM 363576109 599 5,669 SH   DFND 1 0 0 5,669
GENERAL ELECTRIC CO COM 369604103 373 59,793 SH   DFND 1 0 0 59,793
GILEAD SCIENCES INC COM 375558103 284 4,487 SH   DFND 1 0 0 4,487
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 54,734 1,944,370 SH   DFND 1 0 0 1,944,370
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 22,345 681,463 SH   DFND 1 0 0 681,463
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 2,359 34,671 SH   DFND 1 0 0 34,671
HOME DEPOT INC COM 437076102 2,437 8,774 SH   DFND 1 0 0 8,774
HONEYWELL INTL INC COM 438516106 1,458 8,858 SH   DFND 1 0 0 8,858
INTEL CORP COM 458140100 893 17,255 SH   DFND 1 0 0 17,255
INTERNATIONAL BUSINESS MACHS COM 459200101 289 2,373 SH   DFND 1 0 0 2,373
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 1,864 36,895 SH   DFND 1 0 0 36,895
INVESCO QQQ TR UNIT SER 1 46090E103 359 1,292 SH   DFND 1 0 0 1,292
INVESCO CALIF VALUE MUN INCO COM 46132H106 258 20,658 SH   DFND 1 0 0 20,658
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 1,876 48,527 SH   DFND 1 0 0 48,527
INVESCO EXCHANGE TRADED FD T NASDAQ INTERNT 46137V530 2,630 12,750 SH   DFND 1 0 0 12,750
INVESCO EXCHANGE TRADED FD T DYNMC BIOTECH 46137V787 782 13,809 SH   DFND 1 0 0 13,809
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 1,517 28,290 SH   DFND 1 0 0 28,290
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 567 17,178 SH   DFND 1 0 0 17,178
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 3,653 110,037 SH   DFND 1 0 0 110,037
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508 500 23,016 SH   DFND 1 0 0 23,016
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 HY 46138J809 367 16,000 SH   DFND 1 0 0 16,000
ISHARES INC MSCI EMERG MRKT 464286533 11,555 209,409 SH   DFND 1 0 0 209,409
ISHARES TR CORE S&P500 ETF 464287200 5,249 15,619 SH   DFND 1 0 0 15,619
ISHARES TR CORE US AGGBD ET 464287226 1,190 10,078 SH   DFND 1 0 0 10,078
ISHARES TR MSCI EMG MKT ETF 464287234 288 6,540 SH   DFND 1 0 0 6,540
ISHARES TR IBOXX INV CP ETF 464287242 677 5,029 SH   DFND 1 0 0 5,029
ISHARES TR S&P 500 VAL ETF 464287408 540 4,799 SH   DFND 1 0 0 4,799
ISHARES TR 20 YR TR BD ETF 464287432 449 2,752 SH   DFND 1 0 0 2,752
ISHARES TR 1 3 YR TREAS BD 464287457 30,499 352,545 SH   DFND 1 0 0 352,545
ISHARES TR MSCI EAFE ETF 464287465 983 15,443 SH   DFND 1 0 0 15,443
ISHARES TR CORE S&P MCP ETF 464287507 357 1,927 SH   DFND 1 0 0 1,927
ISHARES TR PHLX SEMICND ETF 464287523 423 1,390 SH   DFND 1 0 0 1,390
ISHARES TR EXPND TEC SC ETF 464287549 3,523 11,398 SH   DFND 1 0 0 11,398
ISHARES TR NASDAQ BIOTECH 464287556 881 6,507 SH   DFND 1 0 0 6,507
ISHARES TR RUS 1000 GRW ETF 464287614 213 984 SH   DFND 1 0 0 984
ISHARES TR RUS 1000 ETF 464287622 271 1,445 SH   DFND 1 0 0 1,445
ISHARES TR RUSSELL 2000 ETF 464287655 1,151 7,685 SH   DFND 1 0 0 7,685
ISHARES TR SP SMCP600VL ETF 464287879 771 6,302 SH   DFND 1 0 0 6,302
ISHARES TR JPMORGAN USD EMG 464288281 18,228 164,379 SH   DFND 1 0 0 164,379
ISHARES TR CALIF MUN BD ETF 464288356 901 14,435 SH   DFND 1 0 0 14,435
ISHARES TR NATIONAL MUN ETF 464288414 3,915 33,768 SH   DFND 1 0 0 33,768
ISHARES TR IBOXX HI YD ETF 464288513 708 8,444 SH   DFND 1 0 0 8,444
ISHARES TR MSCI KLD400 SOC 464288570 312 2,438 SH   DFND 1 0 0 2,438
ISHARES TR ISHS 1-5YR INVS 464288646 1,035 18,841 SH   DFND 1 0 0 18,841
ISHARES TR PFD AND INCM SEC 464288687 1,358 37,254 SH   DFND 1 0 0 37,254
ISHARES TR US AER DEF ETF 464288760 873 5,510 SH   DFND 1 0 0 5,510
ISHARES TR MSCI USA ESG SLC 464288802 354 2,408 SH   DFND 1 0 0 2,408
ISHARES TR U.S. MED DVC ETF 464288810 695 2,320 SH   DFND 1 0 0 2,320
ISHARES TR RUS TP200 GR ETF 464289438 1,509 12,435 SH   DFND 1 0 0 12,435
ISHARES TR US TREAS BD ETF 46429B267 308 11,030 SH   DFND 1 0 0 11,030
ISHARES TR FLTG RATE NT ETF 46429B655 1,388 27,361 SH   DFND 1 0 0 27,361
ISHARES TR CORE HIGH DV ETF 46429B663 4,028 50,049 SH   DFND 1 0 0 50,049
ISHARES TR MSCI CHINA ETF 46429B671 758 10,224 SH   DFND 1 0 0 10,224
ISHARES TR MSCI EAFE MIN VL 46429B689 28,013 411,172 SH   DFND 1 0 0 411,172
ISHARES TR MSCI USA MIN VOL 46429B697 31,610 496,004 SH   DFND 1 0 0 496,004
ISHARES TR MSCI USA QLT FCT 46432F339 35,561 342,789 SH   DFND 1 0 0 342,789
ISHARES TR MSCI USA VALUE 46432F388 13,006 176,284 SH   DFND 1 0 0 176,284
ISHARES TR MSCI USA MMENTM 46432F396 76,748 520,676 SH   DFND 1 0 0 520,676
ISHARES TR CORE MSCI TOTAL 46432F834 1,461 25,045 SH   DFND 1 0 0 25,045
ISHARES TR CORE MSCI EAFE 46432F842 5,393 89,465 SH   DFND 1 0 0 89,465
ISHARES TR IBONDS MAR23 ETF 46432FAZ0 295 10,789 SH   DFND 1 0 0 10,789
ISHARES INC CORE MSCI EMKT 46434G103 4,529 85,778 SH   DFND 1 0 0 85,778
ISHARES INC MSCI EMERG MKT 46434G889 1,048 23,891 SH   DFND 1 0 0 23,891
ISHARES TR MSCI INTL MULTFT 46434V274 3,077 126,627 SH   DFND 1 0 0 126,627
ISHARES TR CORE DIV GRWTH 46434V621 577 14,506 SH   DFND 1 0 0 14,506
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 439 17,385 SH   DFND 1 0 0 17,385
ISHARES TR IBONDS DEC23 ETF 46434VAX8 324 12,350 SH   DFND 1 0 0 12,350
ISHARES TR IBONDS DEC25 ETF 46434VBD1 815 30,030 SH   DFND 1 0 0 30,030
ISHARES TR IBONDS DEC24 ETF 46434VBG4 432 16,317 SH   DFND 1 0 0 16,317
ISHARES TR IBONDS DEC2023 46435G318 211 8,028 SH   DFND 1 0 0 8,028
ISHARES TR MSCI USA SMCP MN 46435G433 645 22,090 SH   DFND 1 0 0 22,090
ISHARES TR ESG AW MSCI EAFE 46435G516 393 6,187 SH   DFND 1 0 0 6,187
ISHARES TR CORE INTL AGGR 46435G672 1,268 22,786 SH   DFND 1 0 0 22,786
ISHARES TR IBONDS DEC2022 46435G755 209 7,902 SH   DFND 1 0 0 7,902
ISHARES TR IBONDS DEC2021 46435G789 207 7,999 SH   DFND 1 0 0 7,999
ISHARES TR IBONDS DEC 26 46435U259 350 12,998 SH   DFND 1 0 0 12,998
ISHARES TR IBONDS DEC 28 46435U325 211 7,715 SH   DFND 1 0 0 7,715
ISHARES TR IBONDS DEC 46435U697 213 7,866 SH   DFND 1 0 0 7,866
JPMORGAN CHASE & CO COM 46625H100 1,386 14,395 SH   DFND 1 0 0 14,395
J P MORGAN EXCHANGE-TRADED F ULTRA SHT MUNCPL 46641Q654 1,115 21,860 SH   DFND 1 0 0 21,860
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 482 9,486 SH   DFND 1 0 0 9,486
JD.COM INC SPON ADR CL A 47215P106 1,422 18,324 SH   DFND 1 0 0 18,324
JOHNSON & JOHNSON COM 478160104 2,142 14,387 SH   DFND 1 0 0 14,387
KKR & CO INC COM 48251W104 329 9,590 SH   DFND 1 0 0 9,590
KINDER MORGAN INC DEL COM 49456B101 136 11,002 SH   DFND 1 0 0 11,002
L3HARRIS TECHNOLOGIES INC COM 502431109 774 4,559 SH   DFND 1 0 0 4,559
LILLY ELI & CO COM 532457108 1,194 8,068 SH   DFND 1 0 0 8,068
LOCKHEED MARTIN CORP COM 539830109 1,023 2,669 SH   DFND 1 0 0 2,669
LOWES COS INC COM 548661107 1,194 7,199 SH   DFND 1 0 0 7,199
LULULEMON ATHLETICA INC COM 550021109 393 1,192 SH   DFND 1 0 0 1,192
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 678 19,817 SH   DFND 1 0 0 19,817
MARKEL CORP COM 570535104 268 275 SH   DFND 1 0 0 275
MCCORMICK & CO INC COM NON VTG 579780206 523 2,694 SH   DFND 1 0 0 2,694
MCDONALDS CORP COM 580135101 2,766 12,601 SH   DFND 1 0 0 12,601
MERCK & CO. INC COM 58933Y105 439 5,293 SH   DFND 1 0 0 5,293
MICROSOFT CORP COM 594918104 5,969 28,377 SH   DFND 1 0 0 28,377
MICROCHIP TECHNOLOGY INC. COM 595017104 509 4,958 SH   DFND 1 0 0 4,958
MONDELEZ INTL INC CL A 609207105 337 5,869 SH   DFND 1 0 0 5,869
NETFLIX INC COM 64110L106 241 482 SH   DFND 1 0 0 482
NIKE INC CL B 654106103 733 5,842 SH   DFND 1 0 0 5,842
NOVARTIS AG SPONSORED ADR 66987V109 549 6,316 SH   DFND 1 0 0 6,316
NOVO-NORDISK A S ADR 670100205 278 4,005 SH   DFND 1 0 0 4,005
NVIDIA CORPORATION COM 67066G104 1,780 3,289 SH   DFND 1 0 0 3,289
ONE GAS INC COM 68235P108 698 10,109 SH   DFND 1 0 0 10,109
ONEOK INC NEW COM 682680103 1,083 41,700 SH   DFND 1 0 0 41,700
ORACLE CORP COM 68389X105 344 5,754 SH   DFND 1 0 0 5,754
PACER FDS TR TRENDP US LAR CP 69374H105 1,479 50,070 SH   DFND 1 0 0 50,070
PAYCHEX INC COM 704326107 358 4,490 SH   DFND 1 0 0 4,490
PAYPAL HLDGS INC COM 70450Y103 1,027 5,211 SH   DFND 1 0 0 5,211
PEPSICO INC COM 713448108 1,973 14,232 SH   DFND 1 0 0 14,232
PFIZER INC COM 717081103 263 7,167 SH   DFND 1 0 0 7,167
PHILLIPS 66 COM 718546104 376 7,251 SH   DFND 1 0 0 7,251
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,200 10,672 SH   DFND 1 0 0 10,672
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 774 7,591 SH   DFND 1 0 0 7,591
PROCTER AND GAMBLE CO COM 742718109 1,750 12,593 SH   DFND 1 0 0 12,593
QUALCOMM INC COM 747525103 1,855 15,767 SH   DFND 1 0 0 15,767
RAYTHEON TECHNOLOGIES CORP COM 75513E101 484 8,405 SH   DFND 1 0 0 8,405
ROYAL DUTCH SHELL PLC SPON ADR B 780259107 327 13,520 SH   DFND 1 0 0 13,520
ROYAL GOLD INC COM 780287108 252 2,100 SH   DFND 1 0 0 2,100
S&P GLOBAL INC COM 78409V104 313 867 SH   DFND 1 0 0 867
SPDR S&P 500 ETF TR TR UNIT 78462F103 12,317 36,779 SH   DFND 1 0 0 36,779
SPDR GOLD TR GOLD SHS 78463V107 1,102 6,219 SH   DFND 1 0 0 6,219
SPDR SER TR BLMBRG BRC CNVRT 78464A359 765 11,101 SH   DFND 1 0 0 11,101
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 287 846 SH   DFND 1 0 0 846
SPDR SER TR BLOMBERG BRC INV 78468R200 25,155 822,588 SH   DFND 1 0 0 822,588
SPDR SER TR NUVEEN BLMBRG SR 78468R739 3,958 79,365 SH   DFND 1 0 0 79,365
SPDR SER TR SSGA US SMAL ETF 78468R887 547 7,219 SH   DFND 1 0 0 7,219
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 523 6,566 SH   DFND 1 0 0 6,566
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 5,037 62,472 SH   DFND 1 0 0 62,472
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,132 18,515 SH   DFND 1 0 0 18,515
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 837 15,082 SH   DFND 1 0 0 15,082
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 458 19,302 SH   DFND 1 0 0 19,302
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 3,954 132,225 SH   DFND 1 0 0 132,225
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 716 29,139 SH   DFND 1 0 0 29,139
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 7,819 236,575 SH   DFND 1 0 0 236,575
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,472 44,073 SH   DFND 1 0 0 44,073
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 469 7,996 SH   DFND 1 0 0 7,996
SEATTLE GENETICS INC COM 812578102 240 1,225 SH   DFND 1 0 0 1,225
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 5,188 49,183 SH   DFND 1 0 0 49,183
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 327 5,103 SH   DFND 1 0 0 5,103
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,287 8,755 SH   DFND 1 0 0 8,755
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 348 14,447 SH   DFND 1 0 0 14,447
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 204 2,652 SH   DFND 1 0 0 2,652
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 4,114 35,257 SH   DFND 1 0 0 35,257
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 833 14,030 SH   DFND 1 0 0 14,030
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 266 7,546 SH   DFND 1 0 0 7,546
SERVICENOW INC COM 81762P102 577 1,190 SH   DFND 1 0 0 1,190
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 231 12,600 SH   DFND 1 0 0 12,600
STARBUCKS CORP COM 855244109 744 8,656 SH   DFND 1 0 0 8,656
STRYKER CORPORATION COM 863667101 228 1,092 SH   DFND 1 0 0 1,092
TJX COS INC NEW COM 872540109 273 4,900 SH   DFND 1 0 0 4,900
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 348 4,291 SH   DFND 1 0 0 4,291
THERMO FISHER SCIENTIFIC INC COM 883556102 3,148 7,131 SH   DFND 1 0 0 7,131
3M CO COM 88579Y101 253 1,582 SH   DFND 1 0 0 1,582
TITAN MED INC COM NEW 88830X819 73 100,000 SH   DFND 1 0 0 100,000
TYSON FOODS INC CL A 902494103 224 3,769 SH   DFND 1 0 0 3,769
UNION PAC CORP COM 907818108 1,038 5,272 SH   DFND 1 0 0 5,272
UNITED PARCEL SERVICE INC CL B 911312106 840 5,040 SH   DFND 1 0 0 5,040
UNITEDHEALTH GROUP INC COM 91324P102 732 2,347 SH   DFND 1 0 0 2,347
UPWORK INC COM 91688F104 475 27,236 SH   DFND 1 0 0 27,236
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,085 31,747 SH   DFND 1 0 0 31,747
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 275 3,314 SH   DFND 1 0 0 3,314
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 37,995 430,688 SH   DFND 1 0 0 430,688
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,969 48,140 SH   DFND 1 0 0 48,140
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 967 11,951 SH   DFND 1 0 0 11,951
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 1,148 14,546 SH   DFND 1 0 0 14,546
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 34,971 685,434 SH   DFND 1 0 0 685,434
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 50,659 870,649 SH   DFND 1 0 0 870,649
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 851 19,683 SH   DFND 1 0 0 19,683
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,810 21,843 SH   DFND 1 0 0 21,843
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 23,237 329,702 SH   DFND 1 0 0 329,702
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 445 4,161 SH   DFND 1 0 0 4,161
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 20,925 218,422 SH   DFND 1 0 0 218,422
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,622 84,903 SH   DFND 1 0 0 84,903
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 541 5,339 SH   DFND 1 0 0 5,339
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 1,094 6,073 SH   DFND 1 0 0 6,073
VANGUARD INDEX FDS SML CP GRW ETF 922908595 345 1,604 SH   DFND 1 0 0 1,604
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,066 9,633 SH   DFND 1 0 0 9,633
VANGUARD INDEX FDS GROWTH ETF 922908736 652 2,865 SH   DFND 1 0 0 2,865
VANGUARD INDEX FDS VALUE ETF 922908744 1,277 12,221 SH   DFND 1 0 0 12,221
VANGUARD INDEX FDS TOTAL STK MKT 922908769 249 1,460 SH   DFND 1 0 0 1,460
VERIZON COMMUNICATIONS INC COM 92343V104 1,711 28,754 SH   DFND 1 0 0 28,754
VISA INC COM CL A 92826C839 1,200 6,002 SH   DFND 1 0 0 6,002
WALMART INC COM 931142103 601 4,294 SH   DFND 1 0 0 4,294
WELLS FARGO CO NEW COM 949746101 436 18,542 SH   DFND 1 0 0 18,542
WISDOMTREE TR EMG MKTS SMCAP 97717W281 1,332 32,214 SH   DFND 1 0 0 32,214
WISDOMTREE TR US SMALLCAP DIVD 97717W604 215 10,208 SH   DFND 1 0 0 10,208
WISDOMTREE TR GLB US QTLY DIV 97717W844 503 7,547 SH   DFND 1 0 0 7,547
WISDOMTREE TR US QTLY DIV GRT 97717X669 266 5,375 SH   DFND 1 0 0 5,375
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 836 3,700 SH   DFND 1 0 0 3,700
MARVELL TECHNOLOGY GROUP LTD ORD G5876H105 369 9,300 SH   DFND 1 0 0 9,300