The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
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| 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 |
| AMAZON COM INC | COM | 023135106 | 370,330 | 1,688 | SH | DFND | 1 | 0 | 0 | 1,688 | ||
| APPLE INC | COM | 037833100 | 2,217,221 | 8,854 | SH | DFND | 1 | 0 | 0 | 8,854 | ||
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 | 8,297,470 | 127,496 | SH | DFND | 1 | 0 | 0 | 127,496 | ||
| DIMENSIONAL ETF TRUST | GLOBAL CR ETF | 25434V567 | 10,525,599 | 200,106 | SH | DFND | 1 | 0 | 0 | 200,106 | ||
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 | 2,120,957 | 41,924 | SH | DFND | 1 | 0 | 0 | 41,924 | ||
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 | 2,695,358 | 102,837 | SH | DFND | 1 | 0 | 0 | 102,837 | ||
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 | 7,193,197 | 270,726 | SH | DFND | 1 | 0 | 0 | 270,726 | ||
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 | 10,587,040 | 225,833 | SH | DFND | 1 | 0 | 0 | 225,833 | ||
| DIMENSIONAL ETF TRUST | CORE FIXED INCOM | 25434V872 | 10,824,335 | 262,281 | SH | DFND | 1 | 0 | 0 | 262,281 | ||
| ISHARES INC | CORE MSCI EMKT | 46434G103 | 3,345,276 | 64,061 | SH | DFND | 1 | 0 | 0 | 64,061 | ||
| ISHARES TR | CORE S&P500 ETF | 464287200 | 397,948 | 676 | SH | DFND | 1 | 0 | 0 | 676 | ||
| ISHARES TR | RUS 1000 GRW ETF | 464287614 | 357,406 | 890 | SH | DFND | 1 | 0 | 0 | 890 | ||
| ISHARES TR | RUS 2000 VAL ETF | 464287630 | 725,604 | 4,420 | SH | DFND | 1 | 0 | 0 | 4,420 | ||
| ISHARES TR | RUS 2000 GRW ETF | 464287648 | 608,270 | 2,113 | SH | DFND | 1 | 0 | 0 | 2,113 | ||
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | 787,946 | 7,470 | SH | DFND | 1 | 0 | 0 | 7,470 | ||
| ISHARES TR | JPMORGAN USD EMG | 464288281 | 312,563 | 3,510 | SH | DFND | 1 | 0 | 0 | 3,510 | ||
| ISHARES TR | NATIONAL MUN ETF | 464288414 | 6,849,089 | 64,281 | SH | DFND | 1 | 0 | 0 | 64,281 | ||
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | 840,133 | 9,462 | SH | DFND | 1 | 0 | 0 | 9,462 | ||
| ISHARES TR | CORE MSCI EAFE | 46432F842 | 2,460,351 | 35,008 | SH | DFND | 1 | 0 | 0 | 35,008 | ||
| ISHARES TR | CORE MSCI INTL | 46435G326 | 4,301,466 | 66,720 | SH | DFND | 1 | 0 | 0 | 66,720 | ||
| ISHARES TR | INTRM GOV CR ETF | 464288612 | 293,303 | 2,814 | SH | SOLE | 0 | 0 | 2,814 | |||
| JPMORGAN CHASE & CO. | COM | 46625H100 | 340,868 | 1,422 | SH | DFND | 1 | 0 | 0 | 1,422 | ||
| MCDONALDS CORP | COM | 580135101 | 528,759 | 1,824 | SH | DFND | 1 | 0 | 0 | 1,824 | ||
| MICROSOFT CORP | COM | 594918104 | 325,820 | 773 | SH | DFND | 1 | 0 | 0 | 773 | ||
| NVIDIA CORPORATION | COM | 67066G104 | 503,319 | 3,748 | SH | DFND | 1 | 0 | 0 | 3,748 | ||
| PEPSICO INC | COM | 713448108 | 448,577 | 2,950 | SH | DFND | 1 | 0 | 0 | 2,950 | ||
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 | 281,730 | 12,411 | SH | DFND | 1 | 0 | 0 | 12,411 | ||
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | 1,331,136 | 57,426 | SH | DFND | 1 | 0 | 0 | 57,426 | ||
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | 33,282,118 | 1,194,192 | SH | DFND | 1 | 0 | 0 | 1,194,192 | ||
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | 32,706,757 | 1,254,574 | SH | DFND | 1 | 0 | 0 | 1,254,574 | ||
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 381,780 | 14,763 | SH | DFND | 1 | 0 | 0 | 14,763 | ||
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 | 635,100 | 16,552 | SH | DFND | 1 | 0 | 0 | 16,552 | ||
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 | 1,810,153 | 53,037 | SH | DFND | 1 | 0 | 0 | 53,037 | ||
| SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 979,926 | 1,672 | SH | DFND | 1 | 0 | 0 | 1,672 | ||
| SPDR SER TR | NUVEEN BLOOMBERG | 78464A284 | 1,599,927 | 62,546 | SH | DFND | 1 | 0 | 0 | 62,546 | ||
| SPDR SER TR | BLOOMBERG EMERGI | 78464A391 | 501,808 | 25,694 | SH | DFND | 1 | 0 | 0 | 25,694 | ||
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 | 238,723 | 10,330 | SH | DFND | 1 | 0 | 0 | 10,330 | ||
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 | 1,916,798 | 36,925 | SH | DFND | 1 | 0 | 0 | 36,925 | ||
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 313,407 | 4,056 | SH | DFND | 1 | 0 | 0 | 4,056 | ||
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | 846,533 | 11,772 | SH | DFND | 1 | 0 | 0 | 11,772 | ||
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | 1,533,429 | 5,475 | SH | DFND | 1 | 0 | 0 | 5,475 | ||
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | 1,624,101 | 8,195 | SH | DFND | 1 | 0 | 0 | 8,195 | ||
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 9,717,173 | 23,675 | SH | DFND | 1 | 0 | 0 | 23,675 | ||
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | 7,043,126 | 41,601 | SH | DFND | 1 | 0 | 0 | 41,601 | ||
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 312,124 | 1,299 | SH | DFND | 1 | 0 | 0 | 1,299 | ||
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | 5,680,663 | 128,989 | SH | DFND | 1 | 0 | 0 | 128,989 | ||
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 5,130,809 | 102,350 | SH | DFND | 1 | 0 | 0 | 102,350 | ||
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | 18,519,184 | 387,269 | SH | DFND | 1 | 0 | 0 | 387,269 | ||
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | 369,883 | 2,899 | SH | DFND | 1 | 0 | 0 | 2,899 | ||
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 | 599,431 | 9,492 | SH | DFND | 1 | 0 | 0 | 9,492 | ||
| VISA INC | COM CL A | 92826C839 | 645,670 | 2,043 | SH | DFND | 1 | 0 | 0 | 2,043 | ||