The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete. | |||||||||||||||||
|
UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 13F FORM 13F INFORMATION TABLE |
|
||||||||||||||||
| 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 | 811,473 | 4,921 | SH | DFND | 1 | 0 | 0 | 4,921 | ||
| COMCAST CORP NEW | CL A | 20030N101 | 217,793 | 5,745 | SH | DFND | 1 | 0 | 0 | 5,745 | ||
| DBX ETF TR | XTRACK USD HIGH | 233051432 | 3,646,005 | 104,921 | SH | DFND | 1 | 0 | 0 | 104,921 | ||
| INVESCO EXCHANGE TRADED FD T | S&P500 EQL WGT | 46137V357 | 3,576,597 | 24,731 | SH | DFND | 1 | 0 | 0 | 24,731 | ||
| INVESCO EXCH TRADED FD TR II | SR LN ETF | 46138G508 | 384,301 | 18,476 | SH | DFND | 1 | 0 | 0 | 18,476 | ||
| ISHARES INC | MSCI GBL MIN VOL | 464286525 | 1,373,270 | 14,194 | SH | DFND | 1 | 0 | 0 | 14,194 | ||
| ISHARES TR | RUS 2000 VAL ETF | 464287630 | 542,188 | 3,957 | SH | DFND | 1 | 0 | 0 | 3,957 | ||
| ISHARES TR | RUS 2000 GRW ETF | 464287648 | 807,933 | 3,562 | SH | DFND | 1 | 0 | 0 | 3,562 | ||
| ISHARES TR | SHRT NAT MUN ETF | 464288158 | 465,093 | 4,443 | SH | DFND | 1 | 0 | 0 | 4,443 | ||
| ISHARES TR | NATIONAL MUN ETF | 464288414 | 4,741,961 | 44,013 | SH | DFND | 1 | 0 | 0 | 44,013 | ||
| ISHARES TR | MSCI EAFE MIN VL | 46429B689 | 270,871 | 4,004 | SH | DFND | 1 | 0 | 0 | 4,004 | ||
| ISHARES TR | MSCI USA MIN VOL | 46429B697 | 1,558,527 | 21,426 | SH | DFND | 1 | 0 | 0 | 21,426 | ||
| ISHARES TR | CORE MSCI EAFE | 46432F842 | 3,619,125 | 54,138 | SH | DFND | 1 | 0 | 0 | 54,138 | ||
| ISHARES INC | CORE MSCI EMKT | 46434G103 | 1,141,101 | 23,388 | SH | DFND | 1 | 0 | 0 | 23,388 | ||
| ISHARES TR | CORE MSCI INTL | 46435G326 | 1,063,063 | 17,580 | SH | DFND | 1 | 0 | 0 | 17,580 | ||
| MCDONALDS CORP | COM | 580135101 | 498,545 | 1,783 | SH | DFND | 1 | 0 | 0 | 1,783 | ||
| MICROSOFT CORP | COM | 594918104 | 262,353 | 910 | SH | DFND | 1 | 0 | 0 | 910 | ||
| PEPSICO INC | COM | 713448108 | 514,998 | 2,825 | SH | DFND | 1 | 0 | 0 | 2,825 | ||
| PIMCO ETF TR | ENHAN SHRT MA AC | 72201R833 | 202,470 | 2,040 | SH | DFND | 1 | 0 | 0 | 2,040 | ||
| SPDR SER TR | NUVEEN BLOOMBERG | 78464A284 | 1,959,505 | 78,255 | SH | DFND | 1 | 0 | 0 | 78,255 | ||
| SPDR SER TR | BLOOMBERG EMERGI | 78464A391 | 643,942 | 30,346 | SH | DFND | 1 | 0 | 0 | 30,346 | ||
| SPDR SER TR | NUVEEN BLMBRG SH | 78468R739 | 429,186 | 9,026 | SH | DFND | 1 | 0 | 0 | 9,026 | ||
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 | 23,701,445 | 490,003 | SH | DFND | 1 | 0 | 0 | 490,003 | ||
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 | 2,967,125 | 45,529 | SH | DFND | 1 | 0 | 0 | 45,529 | ||
| SCHWAB STRATEGIC TR | US LCAP VA ETF | 808524409 | 3,233,422 | 49,305 | SH | DFND | 1 | 0 | 0 | 49,305 | ||
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 | 5,525,745 | 131,785 | SH | DFND | 1 | 0 | 0 | 131,785 | ||
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 | 1,148,956 | 23,549 | SH | DFND | 1 | 0 | 0 | 23,549 | ||
| VANECK ETF TRUST | JP MRGAN EM LOC | 92189H300 | 2,135,645 | 84,580 | SH | DFND | 1 | 0 | 0 | 84,580 | ||
| VANECK ETF TRUST | HIGH YLD MUNIETF | 92189H409 | 1,276,943 | 24,680 | SH | DFND | 1 | 0 | 0 | 24,680 | ||
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 | 218,073 | 2,851 | SH | SOLE | 0 | 0 | 2,851 | |||
| VANGUARD BD INDEX FDS | TOTAL BND MRKT | 921937835 | 11,353,873 | 153,784 | SH | DFND | 1 | 0 | 0 | 153,784 | ||
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 | 23,128,079 | 512,023 | SH | DFND | 1 | 0 | 0 | 512,023 | ||
| VANGUARD WHITEHALL FDS | HIGH DIV YLD | 921946406 | 295,611 | 2,802 | SH | DFND | 1 | 0 | 0 | 2,802 | ||
| VANGUARD WHITEHALL FDS | EM MK GOV BD ETF | 921946885 | 2,506,607 | 40,228 | SH | DFND | 1 | 0 | 0 | 40,228 | ||
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 | 2,146,544 | 44,888 | SH | DFND | 1 | 0 | 0 | 44,888 | ||
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 | 6,204,470 | 153,576 | SH | DFND | 1 | 0 | 0 | 153,576 | ||
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 | 3,774,879 | 74,514 | SH | DFND | 1 | 0 | 0 | 74,514 | ||
| VANGUARD INDEX FDS | SML CP GRW ETF | 922908595 | 1,149,786 | 5,313 | SH | DFND | 1 | 0 | 0 | 5,313 | ||
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 | 1,352,794 | 8,521 | SH | DFND | 1 | 0 | 0 | 8,521 | ||
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 | 5,798,233 | 23,245 | SH | DFND | 1 | 0 | 0 | 23,245 | ||
| VANGUARD INDEX FDS | VALUE ETF | 922908744 | 4,564,536 | 33,050 | SH | DFND | 1 | 0 | 0 | 33,050 | ||
| VISA INC | COM CL A | 92826C839 | 421,610 | 1,870 | SH | DFND | 1 | 0 | 0 | 1,870 | ||
| WISDOMTREE TR | BLMBG US BULL | 97717W471 | 1,468,341 | 56,323 | SH | DFND | 1 | 0 | 0 | 56,323 | ||