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 |
| APPLE INC | COM | 037833100 | 1,781,865 | 9,255 | SH | DFND | 1 | 0 | 0 | 9,255 | ||
| DBX ETF TR | XTRACK USD HIGH | 233051432 | 3,911,033 | 110,015 | SH | DFND | 1 | 0 | 0 | 110,015 | ||
| INVESCO EXCHANGE TRADED FD T | S&P500 EQL WGT | 46137V357 | 4,163,237 | 26,383 | SH | DFND | 1 | 0 | 0 | 26,383 | ||
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 | 402,081 | 18,984 | SH | DFND | 1 | 0 | 0 | 18,984 | ||
| ISHARES INC | MSCI GBL MIN VOL | 464286525 | 1,415,537 | 14,106 | SH | DFND | 1 | 0 | 0 | 14,106 | ||
| ISHARES TR | RUS 2000 VAL ETF | 464287630 | 840,491 | 5,411 | SH | DFND | 1 | 0 | 0 | 5,411 | ||
| ISHARES TR | RUS 2000 GRW ETF | 464287648 | 798,024 | 3,164 | SH | DFND | 1 | 0 | 0 | 3,164 | ||
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | 594,203 | 5,636 | SH | DFND | 1 | 0 | 0 | 5,636 | ||
| ISHARES TR | JPMORGAN USD EMG | 464288281 | 364,255 | 4,090 | SH | DFND | 1 | 0 | 0 | 4,090 | ||
| ISHARES TR | NATIONAL MUN ETF | 464288414 | 3,583,926 | 33,059 | SH | DFND | 1 | 0 | 0 | 33,059 | ||
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | 1,059,881 | 13,583 | SH | DFND | 1 | 0 | 0 | 13,583 | ||
| ISHARES TR | CORE MSCI EAFE | 46432F842 | 2,793,669 | 39,711 | SH | DFND | 1 | 0 | 0 | 39,711 | ||
| ISHARES INC | CORE MSCI EMKT | 46434G103 | 1,055,756 | 20,873 | SH | DFND | 1 | 0 | 0 | 20,873 | ||
| ISHARES TR | CORE MSCI INTL | 46435G326 | 1,435,024 | 22,542 | SH | DFND | 1 | 0 | 0 | 22,542 | ||
| JPMORGAN CHASE & CO | COM | 46625H100 | 256,511 | 1,508 | SH | DFND | 1 | 0 | 0 | 1,508 | ||
| MCDONALDS CORP | COM | 580135101 | 539,648 | 1,820 | SH | DFND | 1 | 0 | 0 | 1,820 | ||
| MICROSOFT CORP | COM | 594918104 | 379,800 | 1,010 | SH | DFND | 1 | 0 | 0 | 1,010 | ||
| PEPSICO INC | COM | 713448108 | 505,953 | 2,979 | SH | DFND | 1 | 0 | 0 | 2,979 | ||
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 | 204,769 | 2,052 | SH | DFND | 1 | 0 | 0 | 2,052 | ||
| SPDR S&P 500 ETF TR | TR UNIT | 78462F103 | 523,792 | 1,102 | SH | DFND | 1 | 0 | 0 | 1,102 | ||
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 | 355,941 | 10,052 | SH | DFND | 1 | 0 | 0 | 10,052 | ||
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 | 1,009,383 | 29,679 | SH | DFND | 1 | 0 | 0 | 29,679 | ||
| SPDR SER TR | NUVEEN BLOOMBERG | 78464A284 | 1,879,588 | 74,292 | SH | DFND | 1 | 0 | 0 | 74,292 | ||
| SPDR SER TR | BLOOMBERG EMERGI | 78464A391 | 720,100 | 33,903 | SH | DFND | 1 | 0 | 0 | 33,903 | ||
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | 27,617,106 | 489,665 | SH | DFND | 1 | 0 | 0 | 489,665 | ||
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | 3,420,358 | 41,229 | SH | DFND | 1 | 0 | 0 | 41,229 | ||
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | 4,496,635 | 64,146 | SH | DFND | 1 | 0 | 0 | 64,146 | ||
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 6,689,973 | 141,617 | SH | DFND | 1 | 0 | 0 | 141,617 | ||
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | 1,160,329 | 23,949 | SH | DFND | 1 | 0 | 0 | 23,949 | ||
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 | 2,273,489 | 89,684 | SH | DFND | 1 | 0 | 0 | 89,684 | ||
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 | 1,588,087 | 30,759 | SH | DFND | 1 | 0 | 0 | 30,759 | ||
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 273,883 | 3,556 | SH | SOLE | 0 | 0 | 3,556 | |||
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | 12,031,295 | 163,580 | SH | DFND | 1 | 0 | 0 | 163,580 | ||
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | 25,265,238 | 527,458 | SH | DFND | 1 | 0 | 0 | 527,458 | ||
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | 316,025 | 2,831 | SH | DFND | 1 | 0 | 0 | 2,831 | ||
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 | 2,651,936 | 41,599 | SH | DFND | 1 | 0 | 0 | 41,599 | ||
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 | 2,267,837 | 47,754 | SH | DFND | 1 | 0 | 0 | 47,754 | ||
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | 6,721,700 | 163,545 | SH | DFND | 1 | 0 | 0 | 163,545 | ||
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 5,674,463 | 111,155 | SH | DFND | 1 | 0 | 0 | 111,155 | ||
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | 1,296,854 | 5,364 | SH | DFND | 1 | 0 | 0 | 5,364 | ||
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | 1,459,197 | 8,108 | SH | DFND | 1 | 0 | 0 | 8,108 | ||
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 6,743,298 | 21,691 | SH | DFND | 1 | 0 | 0 | 21,691 | ||
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | 4,389,290 | 29,360 | SH | DFND | 1 | 0 | 0 | 29,360 | ||
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 | 219,090 | 1,027 | SH | DFND | 1 | 0 | 0 | 1,027 | ||
| VISA INC | COM CL A | 92826C839 | 511,327 | 1,964 | SH | DFND | 1 | 0 | 0 | 1,964 | ||
| WISDOMTREE TR | BLMBG US BULL | 97717W471 | 1,452,563 | 57,848 | SH | DFND | 1 | 0 | 0 | 57,848 | ||