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
TRANSAMERICA ETF TR DELTASHS S&P 500 89349P107 378,044 5,191,956 SH   DFND   0 0 5,191,956
TRANSAMERICA ETF TR DELTASHS S&P INT 89349P404 172,548 3,328,797 SH   DFND   0 0 3,328,797
ISHARES TR CORE S&P TTL STK 464287150 902,193 9,170,492 SH   DFND   0 0 9,170,492
ISHARES TR CORE US AGGBD ET 464287226 1,808,396 15,748,466 SH   DFND   0 0 15,748,466
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 183,470 3,381,305 SH   DFND   0 0 3,381,305
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 299,507 2,883,757 SH   DFND   0 0 2,883,757
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,057,602 20,946,755 SH   DFND   0 0 20,946,755
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 290,983 5,818,487 SH   DFND   0 0 5,818,487
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,339,762 15,678,899 SH   DFND   0 0 15,678,899
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,984,867 8,938,428 SH   DFND   0 0 8,938,428