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
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 295 893 SH   SOLE   0 0 893
ISHARES TR CORE S&P MCP ETF 464287507 950 3,651 SH   SOLE   0 0 3,651
ISHARES TR S&P MC 400VL ETF 464287705 1,049 10,295 SH   SOLE   0 0 10,295
ISHARES TR S&P MC 400GR ETF 464287606 409 5,216 SH   SOLE   0 0 5,216
ISHARES TR CORE S&P SCP ETF 464287804 39 361 SH   DFND   0 0 361
ISHARES TR CORE S&P SCP ETF 464287804 21,011 193,598 SH   SOLE   0 0 193,598
ISHARES TR SP SMCP600VL ETF 464287879 4,272 42,406 SH   SOLE   0 0 42,406
ISHARES TR S&P SML 600 GWT 464287887 738 5,758 SH   SOLE   0 0 5,758
ISHARES TR S&P 500 VAL ETF 464287408 1,455 10,300 SH   DFND   0 0 10,300
ISHARES TR S&P 500 VAL ETF 464287408 48,442 342,975 SH   SOLE   0 0 342,975
ISHARES TR CORE S&P500 ETF 464287200 5,227 13,138 SH   SOLE   0 0 13,138
ISHARES TR S&P 500 GRWT ETF 464287309 18,325 281,448 SH   SOLE   0 0 281,448
ISHARES TR RUS 1000 ETF 464287622 5,317 23,755 SH   SOLE   0 0 23,755
ISHARES TR RUS 1000 VAL ETF 464287598 23 150 SH   DFND   0 0 150
ISHARES TR RUS 1000 VAL ETF 464287598 41,495 273,806 SH   SOLE   0 0 273,806
ISHARES TR RUS 1000 GRW ETF 464287614 2,208 9,084 SH   DFND   0 0 9,084
ISHARES TR RUS 1000 GRW ETF 464287614 102,299 420,913 SH   SOLE   0 0 420,913
ISHARES TR RUSSELL 2000 ETF 464287655 175 792 SH   DFND   0 0 792
ISHARES TR RUSSELL 2000 ETF 464287655 13,281 60,112 SH   SOLE   0 0 60,112
ISHARES TR RUS 2000 VAL ETF 464287630 9,434 59,160 SH   SOLE   0 0 59,160
ISHARES TR RUSSELL 3000 ETF 464287689 308 1,299 SH   SOLE   0 0 1,299
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 277 582 SH   SOLE   0 0 582
SPDR S&P 500 ETF TR TR UNIT 78462F103 51 129 SH   DFND   0 0 129
SPDR S&P 500 ETF TR TR UNIT 78462F103 42,783 107,949 SH   SOLE   0 0 107,949
ISHARES TR RUS 2000 GRW ETF 464287648 12,650 42,062 SH   SOLE   0 0 42,062
ISHARES TR MSCI EAFE ETF 464287465 48 634 SH   DFND   0 0 634
ISHARES TR MSCI EAFE ETF 464287465 9,654 127,242 SH   SOLE   0 0 127,242
ISHARES TR RUS MID CAP ETF 464287499 612 8,273 SH   SOLE   0 0 8,273
ISHARES TR RUS MD CP GR ETF 464287481 8,133 79,693 SH   SOLE   0 0 79,693
ISHARES TR RUS MDCP VAL ETF 464287473 494 4,524 SH   SOLE   0 0 4,524
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,025 20,564 SH   SOLE   0 0 20,564
VANGUARD INDEX FDS TOTAL STK MKT 922908769 450 2,175 SH   DFND   0 0 2,175
VANGUARD INDEX FDS TOTAL STK MKT 922908769 45,443 219,862 SH   SOLE   0 0 219,862
ISHARES TR MSCI EMG MKT ETF 464287234 1,543 28,936 SH   SOLE   0 0 28,936
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 1,037 5,863 SH   SOLE   0 0 5,863
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 2,815 19,874 SH   SOLE   0 0 19,874
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 643 12,363 SH   SOLE   0 0 12,363
ISHARES TR CORE US AGGBD ET 464287226 3,081 27,065 SH   SOLE   0 0 27,065
ISHARES TR MORNINGSTR US EQ 464287127 1,001 4,463 SH   SOLE   0 0 4,463
VANGUARD INDEX FDS VALUE ETF 922908744 396 3,013 SH   DFND   0 0 3,013
VANGUARD INDEX FDS VALUE ETF 922908744 1,255 9,550 SH   SOLE   0 0 9,550
VANGUARD INDEX FDS MID CAP ETF 922908629 220 994 SH   SOLE   0 0 994
VANGUARD INDEX FDS SMALL CP ETF 922908751 815 3,806 SH   SOLE   0 0 3,806
VANGUARD INDEX FDS GROWTH ETF 922908736 2,220 8,637 SH   SOLE   0 0 8,637
VANGUARD INDEX FDS SML CP GRW ETF 922908595 243 883 SH   SOLE   0 0 883
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 389 2,885 SH   SOLE   0 0 2,885
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 948 15,626 SH   SOLE   0 0 15,626
ISHARES TR ISHS 1-5YR INVS 464288646 353 6,462 SH   SOLE   0 0 6,462
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 367 4,469 SH   SOLE   0 0 4,469
ISHARES TR 3 7 YR TREAS BD 464288661 23 180 SH   DFND   0 0 180
ISHARES TR 3 7 YR TREAS BD 464288661 400 3,083 SH   SOLE   0 0 3,083
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 245 4,985 SH   DFND   0 0 4,985
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,120 328,238 SH   SOLE   0 0 328,238
ISHARES TR MSCI ACWI EX US 464288240 3,981 72,148 SH   SOLE   0 0 72,148
ISHARES TR MODERT ALLOC ETF 464289875 771 17,693 SH   SOLE   0 0 17,693
ISHARES TR GRWT ALLOCAT ETF 464289867 63 1,173 SH   DFND   0 0 1,173
ISHARES TR GRWT ALLOCAT ETF 464289867 39,770 742,536 SH   SOLE   0 0 742,536
BROADCOM INC COM 11135F101 1,096 2,363 SH   DFND   0 0 2,363
BROADCOM INC COM 11135F101 48 103 SH   SOLE   0 0 103
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 381 4,616 SH   SOLE   0 0 4,616
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,448 11,156 SH   SOLE   0 0 11,156
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 971 14,877 SH   SOLE   0 0 14,877
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 8,110 22,262 SH   SOLE   0 0 22,262
ISHARES TR CORE MSCI TOTAL 46432F834 564 8,027 SH   SOLE   0 0 8,027
ISHARES TR CORE MSCI EAFE 46432F842 790 10,962 SH   SOLE   0 0 10,962
ISHARES TR IBONDS DEC21 ETF 46434VBK5 329 13,232 SH   SOLE   0 0 13,232
ISHARES TR IBONDS DEC23 ETF 46434VAX8 349 13,340 SH   SOLE   0 0 13,340
ISHARES TR IBONDS DEC25 ETF 46434VBD1 346 12,897 SH   SOLE   0 0 12,897
ISHARES TR IBONDS DEC22 ETF 46434VBA7 77 3,034 SH   DFND   0 0 3,034
ISHARES TR IBONDS DEC22 ETF 46434VBA7 332 13,036 SH   SOLE   0 0 13,036
ISHARES TR IBONDS DEC24 ETF 46434VBG4 330 12,487 SH   SOLE   0 0 12,487
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 314 5,750 SH   SOLE   0 0 5,750
ISHARES TR RUSEL 2500 ETF 46435G268 3,325 52,874 SH   SOLE   0 0 52,874
SPDR S&P 500 ETF TR TR UNIT 78462F103 5 100 SH Call SOLE   0 0 100