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
ABBOTT LABS COM 002824100 975 6,931 SH   DFND   0 0 6,931
ABBVIE INC COM 00287Y109 857 6,326 SH   DFND   0 0 6,326
AIR PRODS & CHEMS INC COM 009158106 529 1,740 SH   DFND   0 0 1,740
ALLIANCE RESOURCE PARTNERS L UT LTD PART 01877R108 2,055 162,599 SH   DFND   0 0 162,599
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 828 16,963 SH   DFND   0 0 16,963
ALPHABET INC CAP STK CL A 02079K305 978 338 SH   DFND   0 0 338
ALPHABET INC CAP STK CL C 02079K107 748 259 SH   DFND   0 0 259
ALPS ETF TR DISRUPTIVE TECH 00162Q478 216 4,456 SH   DFND   0 0 4,456
AMAZON COM INC COM 023135106 2,399 720 SH   DFND   0 0 720
AMERICAN EXPRESS CO COM 025816109 966 5,905 SH   DFND   0 0 5,905
AMGEN INC COM 031162100 834 3,709 SH   DFND   0 0 3,709
ANALOG DEVICES INC COM 032654105 584 3,321 SH   DFND   0 0 3,321
ANTHEM INC COM 036752103 202 436 SH   DFND   0 0 436
APPLE INC COM 037833100 7,558 42,564 SH   DFND   0 0 42,564
BANK NEW YORK MELLON CORP COM 064058100 508 8,742 SH   DFND   0 0 8,742
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 269 901 SH   DFND   0 0 901
BK OF AMERICA CORP 7.25%CNV PFD L 060505682 653 452 SH   DFND   0 0 452
BLACKSTONE INC COM 09260D107 697 5,385 SH   DFND   0 0 5,385
BRISTOL-MYERS SQUIBB CO COM 110122108 903 14,485 SH   DFND   0 0 14,485
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 274 4,537 SH   DFND   0 0 4,537
CATERPILLAR INC COM 149123101 752 3,638 SH   DFND   0 0 3,638
CHEVRON CORP NEW COM 166764100 214 1,825 SH   DFND   0 0 1,825
CISCO SYS INC COM 17275R102 1,911 30,162 SH   DFND   0 0 30,162
CONNECTONE BANCORP INC COM 20786W107 203 6,193 SH   DFND   0 0 6,193
CONOCOPHILLIPS COM 20825C104 436 6,037 SH   DFND   0 0 6,037
COSTCO WHSL CORP NEW COM 22160K105 891 1,569 SH   DFND   0 0 1,569
CSX CORP COM 126408103 271 7,212 SH   DFND   0 0 7,212
CVS HEALTH CORP COM 126650100 762 7,391 SH   DFND   0 0 7,391
DANAHER CORPORATION COM 235851102 1,194 3,630 SH   DFND   0 0 3,630
DARDEN RESTAURANTS INC COM 237194105 256 1,700 SH   DFND   0 0 1,700
DIAGEO PLC SPON ADR NEW 25243Q205 272 1,235 SH   DFND   0 0 1,235
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 485 18,574 SH   DFND   0 0 18,574
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 6,901 238,206 SH   DFND   0 0 238,206
DISNEY WALT CO COM 254687106 1,524 9,836 SH   DFND   0 0 9,836
ENERGY TRANSFER L P COM UT LTD PTN 29273V100 165 20,057 SH   DFND   0 0 20,057
ENTERPRISE PRODS PARTNERS L COM 293792107 1,096 49,902 SH   DFND   0 0 49,902
ETF MANAGERS TR PRIME CYBR SCRTY 26924G201 335 5,452 SH   DFND   0 0 5,452
ETF MANAGERS TR PRIME MOBILE PAY 26924G409 301 5,183 SH   DFND   0 0 5,183
EXXON MOBIL CORP COM 30231G102 415 6,781 SH   DFND   0 0 6,781
FIRST TR EXCHANGE-TRADED FD NO AMER ENERGY 33738D101 233 9,343 SH   DFND   0 0 9,343
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104 692 8,183 SH   DFND   0 0 8,183
FRANCO NEV CORP COM 351858105 204 1,475 SH   DFND   0 0 1,475
GENERAL ELECTRIC CO COM NEW 369604301 321 3,397 SH   DFND   0 0 3,397
GOLDMAN SACHS ETF TR ACTIVEBETA US LG 381430503 10,035 105,475 SH   DFND   0 0 105,475
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 60,690 1,720,729 SH   DFND   0 0 1,720,729
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 22,877 618,122 SH   DFND   0 0 618,122
GOLDMAN SACHS GROUP INC COM 38141G104 244 638 SH   DFND   0 0 638
HOME DEPOT INC COM 437076102 2,657 6,401 SH   DFND   0 0 6,401
HONEYWELL INTL INC COM 438516106 510 2,444 SH   DFND   0 0 2,444
INTEL CORP COM 458140100 812 15,773 SH   DFND   0 0 15,773
INVESCO ACTIVELY MANAGED ETF ULTRA SHRT DUR 46090A887 312 6,194 SH   DFND   0 0 6,194
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 7,107 103,550 SH   DFND   0 0 103,550
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 1,206 26,635 SH   DFND   0 0 26,635
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 3,685 70,740 SH   DFND   0 0 70,740
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 9,112 171,239 SH   DFND   0 0 171,239
INVESCO EXCHANGE TRADED FD T DYNMC BIOTECH 46137V787 286 4,021 SH   DFND   0 0 4,021
INVESCO EXCHANGE TRADED FD T NASDAQ INTERNT 46137V530 690 3,203 SH   DFND   0 0 3,203
INVESCO QQQ TR UNIT SER 1 46090E103 342 860 SH   DFND   0 0 860
ISHARES INC MSCI EMERG MKT 46434G889 4,527 88,541 SH   DFND   0 0 88,541
ISHARES INC MSCI EMERG MRKT 464286533 16,056 255,579 SH   DFND   0 0 255,579
ISHARES INC CORE MSCI EMKT 46434G103 2,917 48,726 SH   DFND   0 0 48,726
ISHARES TR NATIONAL MUN ETF 464288414 2,501 21,505 SH   DFND   0 0 21,505
ISHARES TR EXPND TEC SC ETF 464287549 1,050 2,391 SH   DFND   0 0 2,391
ISHARES TR ISHARES BIOTECH 464287556 375 2,455 SH   DFND   0 0 2,455
ISHARES TR TIPS BD ETF 464287176 27,204 210,560 SH   DFND   0 0 210,560
ISHARES TR MSCI USA SMCP MN 46435G433 318 8,145 SH   DFND   0 0 8,145
ISHARES TR MSCI USA MIN VOL 46429B697 48,407 598,357 SH   DFND   0 0 598,357
ISHARES TR 0-5 YR TIPS ETF 46429B747 1,548 14,617 SH   DFND   0 0 14,617
ISHARES TR MSCI USA QLT FCT 46432F339 82,595 567,431 SH   DFND   0 0 567,431
ISHARES TR MSCI ACWI EX US 464288240 3,883 69,847 SH   DFND   0 0 69,847
ISHARES TR IBONDS DEC2023 46435G318 208 8,028 SH   DFND   0 0 8,028
ISHARES TR U.S. MED DVC ETF 464288810 403 6,120 SH   DFND   0 0 6,120
ISHARES TR MSCI INTL MULTFT 46434V274 7,163 248,538 SH   DFND   0 0 248,538
ISHARES TR JPMORGAN USD EMG 464288281 11,016 101,006 SH   DFND   0 0 101,006
ISHARES TR MSCI USA VALUE 46432F388 18,619 170,087 SH   DFND   0 0 170,087
ISHARES TR US TREAS BD ETF 46429B267 22,637 848,467 SH   DFND   0 0 848,467
ISHARES TR SP SMCP600VL ETF 464287879 824 7,890 SH   DFND   0 0 7,890
ISHARES TR CORE MSCI TOTAL 46432F834 1,625 22,902 SH   DFND   0 0 22,902
ISHARES TR BARCLAYS 7 10 YR 464287440 2,771 24,092 SH   DFND   0 0 24,092
ISHARES TR PFD AND INCM SEC 464288687 1,155 29,303 SH   DFND   0 0 29,303
ISHARES TR FLTG RATE NT ETF 46429B655 480 9,471 SH   DFND   0 0 9,471
ISHARES TR MSCI EAFE MIN VL 46429B689 37,957 494,421 SH   DFND   0 0 494,421
ISHARES TR IBONDS DEC 46435U697 211 7,866 SH   DFND   0 0 7,866
ISHARES TR ISHS 5-10YR INVT 464288638 2,579 43,510 SH   DFND   0 0 43,510
ISHARES TR IBOXX INV CP ETF 464287242 5,316 40,115 SH   DFND   0 0 40,115
ISHARES TR CORE INTL AGGR 46435G672 8,966 164,419 SH   DFND   0 0 164,419
ISHARES TR ESG AWR MSCI USA 46435G425 598 5,538 SH   DFND   0 0 5,538
ISHARES TR CORE US AGGBD ET 464287226 7,082 62,076 SH   DFND   0 0 62,076
ISHARES TR USD INV GRDE ETF 464288620 29,592 495,349 SH   DFND   0 0 495,349
ISHARES TR IBONDS DEC2022 46435G755 206 7,902 SH   DFND   0 0 7,902
ISHARES TR IBONDS DEC25 ETF 46434VBD1 214 8,088 SH   DFND   0 0 8,088
ISHARES TR RUS TP200 GR ETF 464289438 1,556 8,974 SH   DFND   0 0 8,974
ISHARES TR CORE MSCI EAFE 46432F842 1,322 17,714 SH   DFND   0 0 17,714
ISHARES TR CORE S&P MCP ETF 464287507 244 862 SH   DFND   0 0 862
ISHARES TR RUSSELL 2000 ETF 464287655 227 1,020 SH   DFND   0 0 1,020
ISHARES TR S&P 500 VAL ETF 464287408 873 5,571 SH   DFND   0 0 5,571
ISHARES TR CORE 1 5 YR USD 46432F859 680 13,476 SH   DFND   0 0 13,476
ISHARES TR ISHS 1-5YR INVS 464288646 495 9,179 SH   DFND   0 0 9,179
ISHARES TR MSCI USA MMENTM 46432F396 51,747 284,608 SH   DFND   0 0 284,608
ISHARES TR CORE S&P500 ETF 464287200 11,087 23,243 SH   DFND   0 0 23,243
ISHARES TR SHORT TREAS BD 464288679 555 5,023 SH   DFND   0 0 5,023
ISHARES TR MSCI USA ESG SLC 464288802 512 4,816 SH   DFND   0 0 4,816
JOHNSON & JOHNSON COM 478160104 616 3,601 SH   DFND   0 0 3,601
JPMORGAN CHASE & CO COM 46625H100 1,513 9,555 SH   DFND   0 0 9,555
KKR & CO INC COM 48251W104 714 9,590 SH   DFND   0 0 9,590
L3HARRIS TECHNOLOGIES INC COM 502431109 838 3,929 SH   DFND   0 0 3,929
LILLY ELI & CO COM 532457108 1,992 7,210 SH   DFND   0 0 7,210
LOCKHEED MARTIN CORP COM 539830109 541 1,523 SH   DFND   0 0 1,523
LOWES COS INC COM 548661107 517 1,999 SH   DFND   0 0 1,999
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP 559080106 404 8,690 SH   DFND   0 0 8,690
MASTERCARD INCORPORATED CL A 57636Q104 230 640 SH   DFND   0 0 640
MCDONALDS CORP COM 580135101 1,945 7,254 SH   DFND   0 0 7,254
MERCK & CO INC COM 58933Y105 204 2,666 SH   DFND   0 0 2,666
META PLATFORMS INC CL A 30303M102 1,346 4,001 SH   DFND   0 0 4,001
MICROSOFT CORP COM 594918104 6,024 17,910 SH   DFND   0 0 17,910
NIKE INC CL B 654106103 278 1,668 SH   DFND   0 0 1,668
NVIDIA CORPORATION COM 67066G104 737 2,507 SH   DFND   0 0 2,507
NXP SEMICONDUCTORS N V COM N6596X109 285 1,250 SH   DFND   0 0 1,250
ONE GAS INC COM 68235P108 1,131 14,581 SH   DFND   0 0 14,581
ONEOK INC NEW COM 682680103 2,745 46,714 SH   DFND   0 0 46,714
PACER FDS TR TRENDP US LAR CP 69374H105 304 7,307 SH   DFND   0 0 7,307
PAYCHEX INC COM 704326107 501 3,674 SH   DFND   0 0 3,674
PAYPAL HLDGS INC COM 70450Y103 203 1,079 SH   DFND   0 0 1,079
PEPSICO INC COM 713448108 1,010 5,812 SH   DFND   0 0 5,812
PFIZER INC COM 717081103 356 6,027 SH   DFND   0 0 6,027
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,727 15,784 SH   DFND   0 0 15,784
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 1,993 38,911 SH   DFND   0 0 38,911
PIMCO ETF TR INTER MUN BD ACT 72201R866 3,280 58,367 SH   DFND   0 0 58,367
PINNACLE FINL PARTNERS INC COM 72346Q104 257 2,690 SH   DFND   0 0 2,690
PROCTER AND GAMBLE CO COM 742718109 781 4,777 SH   DFND   0 0 4,777
QUALCOMM INC COM 747525103 1,659 9,071 SH   DFND   0 0 9,071
RAYTHEON TECHNOLOGIES CORP COM 75513E101 497 5,771 SH   DFND   0 0 5,771
S&P GLOBAL INC COM 78409V104 407 863 SH   DFND   0 0 863
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 331 11,168 SH   DFND   0 0 11,168
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 1,395 45,011 SH   DFND   0 0 45,011
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 7,326 131,737 SH   DFND   0 0 131,737
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 1,312 23,363 SH   DFND   0 0 23,363
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 231 4,284 SH   DFND   0 0 4,284
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 2,101 64,614 SH   DFND   0 0 64,614
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 586 3,579 SH   DFND   0 0 3,579
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 490 13,113 SH   DFND   0 0 13,113
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 226 2,812 SH   DFND   0 0 2,812
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 375 4,826 SH   DFND   0 0 4,826
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,947 16,947 SH   DFND   0 0 16,947
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 4,988 35,406 SH   DFND   0 0 35,406
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,120 5,476 SH   DFND   0 0 5,476
SPDR GOLD TR GOLD SHS 78463V107 450 2,634 SH   DFND   0 0 2,634
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 3,084 84,547 SH   DFND   0 0 84,547
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,309 17,495 SH   DFND   0 0 17,495
SPDR SER TR PORTFLI TIPS ETF 78464A656 2,413 76,598 SH   DFND   0 0 76,598
SPDR SER TR NUVEEN BLMBRG SH 78468R739 4,609 93,709 SH   DFND   0 0 93,709
SPDR SER TR BLOOMBERG CONV 78464A359 385 4,646 SH   DFND   0 0 4,646
SPDR SER TR SSGA US SMAL ETF 78468R887 654 5,472 SH   DFND   0 0 5,472
SPDR SER TR BLOOMBERG INVT 78468R200 11,936 390,177 SH   DFND   0 0 390,177
SPDR SER TR BLOOMBERG SHORT 78464A334 735 24,202 SH   DFND   0 0 24,202
STARBUCKS CORP COM 855244109 282 2,410 SH   DFND   0 0 2,410
TESLA INC COM 88160R101 233 221 SH   DFND   0 0 221
THERMO FISHER SCIENTIFIC INC COM 883556102 659 988 SH   DFND   0 0 988
UNION PAC CORP COM 907818108 881 3,495 SH   DFND   0 0 3,495
UNITED PARCEL SERVICE INC CL B 911312106 605 2,822 SH   DFND   0 0 2,822
UNITEDHEALTH GROUP INC COM 91324P102 910 1,811 SH   DFND   0 0 1,811
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 200 2,475 SH   DFND   0 0 2,475
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 37,067 437,368 SH   DFND   0 0 437,368
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 30,220 547,856 SH   DFND   0 0 547,856
VANGUARD INDEX FDS VALUE ETF 922908744 3,874 26,333 SH   DFND   0 0 26,333
VANGUARD INDEX FDS MID CAP ETF 922908629 232 910 SH   DFND   0 0 910
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 283 2,440 SH   DFND   0 0 2,440
VANGUARD INDEX FDS SMALL CP ETF 922908751 429 1,899 SH   DFND   0 0 1,899
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 501 3,331 SH   DFND   0 0 3,331
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 904 3,550 SH   DFND   0 0 3,550
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,501 8,395 SH   DFND   0 0 8,395
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,154 23,323 SH   DFND   0 0 23,323
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 16,289 316,911 SH   DFND   0 0 316,911
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 15,908 289,709 SH   DFND   0 0 289,709
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,047 12,887 SH   DFND   0 0 12,887
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 10,892 163,859 SH   DFND   0 0 163,859
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 19,898 214,508 SH   DFND   0 0 214,508
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,298 19,205 SH   DFND   0 0 19,205
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 732 14,336 SH   DFND   0 0 14,336
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 524 4,674 SH   DFND   0 0 4,674
VANGUARD WHITEHALL FDS EMERG MKT BD ETF 921946885 2,272 29,255 SH   DFND   0 0 29,255
VERIZON COMMUNICATIONS INC COM 92343V104 762 14,657 SH   DFND   0 0 14,657
VISA INC COM CL A 92826C839 241 1,112 SH   DFND   0 0 1,112
WALMART INC COM 931142103 421 2,910 SH   DFND   0 0 2,910
WILLIAMS COS INC COM 969457100 271 10,402 SH   DFND   0 0 10,402
WISDOMTREE TR GLB US QTLY DIV 97717W844 554 12,722 SH   DFND   0 0 12,722
WISDOMTREE TR US QTLY DIV GRT 97717X669 256 3,883 SH   DFND   0 0 3,883