Voya Financial Advisors 13F-HR Quarterly holdings report by institutional manager

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
Expires:	Oct 31, 2018
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
AFLAC INC	COM	001055102	745	20,553	SH		DFND	5	0	20,553	0
AT&T INC	COM	00206R102	9,914	327,946	SH		DFND	5	0	327,946	0
ABBOTT LABS	COM	002824100	3,498	44,093	SH		DFND	5	0	44,093	0
ABBVIE INC	COM	00287Y109	4,366	58,023	SH		DFND	5	0	58,023	0
ACUITY BRANDS INC	COM	00508Y102	320	3,729	SH		DFND	5	0	3,729	0
ADOBE INC	COM	00724F101	1,093	3,435	SH		DFND	5	0	3,435	0
ADVANCE AUTO PARTS INC	COM	00751Y106	262	2,720	SH		DFND	5	0	2,720	0
ADVANCED MICRO DEVICES INC	COM	007903107	360	7,527	SH		DFND	5	0	7,527	0
AIR PRODS & CHEMS INC	COM	009158106	478	2,312	SH		DFND	5	0	2,312	0
AKAMAI TECHNOLOGIES INC	COM	00971T101	306	3,253	SH		DFND	5	0	3,253	0
ALARM COM HLDGS INC	COM	011642105	323	8,240	SH		DFND	5	0	8,240	0
ALBANY INTL CORP	CL A	012348108	279	5,773	SH		DFND	5	0	5,773	0
ALEXION PHARMACEUTICALS INC	COM	015351109	390	4,470	SH		DFND	5	0	4,470	0
ALGONQUIN PWR UTILS CORP	COM	015857105	251	19,900	SH		DFND	5	0	19,900	0
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	2,210	11,557	SH		DFND	5	0	11,557	0
ALIGN TECHNOLOGY INC	COM	016255101	2,309	12,833	SH		DFND	5	0	12,833	0
ALLSTATE CORP	COM	020002101	378	3,993	SH		DFND	5	0	3,993	0
ALPHABET INC	CAP STK CL C	02079K107	7,882	6,874	SH		DFND	5	0	6,874	0
ALPHABET INC	CAP STK CL A	02079K305	13,599	11,863	SH		DFND	5	0	11,863	0
ALTRIA GROUP INC	COM	02209S103	3,589	96,205	SH		DFND	5	0	96,205	0
AMAZON COM INC	COM	023135106	17,250	8,785	SH		DFND	5	0	8,785	0
AMEDISYS INC	COM	023436108	1,059	5,887	SH		DFND	5	0	5,887	0
AMERICAN ELEC PWR CO INC	COM	025537101	811	9,690	SH		DFND	5	0	9,690	0
AMERICAN EXPRESS CO	COM	025816109	930	10,301	SH		DFND	5	0	10,301	0
AMERICAN FIN TR INC	COM CLASS A	02607T109	146	21,275	SH		DFND	5	0	21,275	0
AMERICAN TOWER CORP NEW	COM	03027X100	1,888	8,188	SH		DFND	5	0	8,188	0
AMERICAN WTR WKS CO INC NEW	COM	030420103	437	3,445	SH		DFND	5	0	3,445	0
AMERISOURCEBERGEN CORP	COM	03073E105	6,745	76,559	SH		DFND	5	0	76,559	0
AMGEN INC	COM	031162100	6,726	32,264	SH		DFND	5	0	32,264	0
AMPHENOL CORP NEW	CL A	032095101	814	10,729	SH		DFND	5	0	10,729	0
ANALOG DEVICES INC	COM	032654105	1,717	18,875	SH		DFND	5	0	18,875	0
ANGLOGOLD ASHANTI LTD	SPONSORED ADR	035128206	296	16,492	SH		DFND	5	0	16,492	0
ANIKA THERAPEUTICS INC	COM	035255108	217	7,593	SH		DFND	5	0	7,593	0
ANNALY CAPITAL MANAGEMENT IN	COM	035710409	892	157,379	SH		DFND	5	0	157,379	0
ANSYS INC	COM	03662Q105	1,126	4,787	SH		DFND	5	0	4,787	0
ANTHEM INC	COM	036752103	3,844	16,669	SH		DFND	5	0	16,669	0
APOLLO COML REAL EST FIN INC	COM	03762U105	78	10,696	SH		DFND	5	0	10,696	0
APPLE INC	COM	037833100	25,441	99,847	SH		DFND	5	0	99,847	0
APPLIED MATLS INC	COM	038222105	526	11,125	SH		DFND	5	0	11,125	0
APPLIED OPTOELECTRONICS INC	COM	03823U102	125	16,440	SH		DFND	5	0	16,440	0
ARBOR RLTY TR INC	COM	038923108	137	24,647	SH		DFND	5	0	24,647	0
ARES CAPITAL CORP	COM	04010L103	203	19,052	SH		DFND	5	0	19,052	0
ARGENX SE	SPONSORED ADR	04016X101	343	2,579	SH		DFND	5	0	2,579	0
ASTRAZENECA PLC	SPONSORED ADR	046353108	545	12,242	SH		DFND	5	0	12,242	0
ATLANTIC AMERN CORP	COM	048209100	155	72,573	SH		DFND	5	0	72,573	0
AURORA CANNABIS INC	COM	05156X108	76	86,048	SH		DFND	5	0	86,048	0
AUTODESK INC	COM	052769106	1,272	8,159	SH		DFND	5	0	8,159	0
AUTOMATIC DATA PROCESSING IN	COM	053015103	1,449	10,514	SH		DFND	5	0	10,514	0
AUTOZONE INC	COM	053332102	210	240	SH		DFND	5	0	240	0
AXON ENTERPRISE INC	COM	05464C101	322	4,634	SH		DFND	5	0	4,634	0
B & G FOODS INC NEW	COM	05508R106	281	16,658	SH		DFND	5	0	16,658	0
BCE INC	COM NEW	05534B760	1,910	49,014	SH		DFND	5	0	49,014	0
BP PLC	SPONSORED ADR	055622104	1,496	62,528	SH		DFND	5	0	62,528	0
BADGER METER INC	COM	056525108	314	5,842	SH		DFND	5	0	5,842	0
BAIDU INC	SPON ADR REP A	056752108	1,290	13,034	SH		DFND	5	0	13,034	0
BALL CORP	COM	058498106	474	7,185	SH		DFND	5	0	7,185	0
BK OF AMERICA CORP	COM	060505104	1,749	79,374	SH		DFND	5	0	79,374	0
BANK HAWAII CORP	COM	062540109	387	7,141	SH		DFND	5	0	7,141	0
BANK NEW YORK MELLON CORP	COM	064058100	1,018	29,955	SH		DFND	5	0	29,955	0
BAXTER INTL INC	COM	071813109	268	3,265	SH		DFND	5	0	3,265	0
BECTON DICKINSON & CO	COM	075887109	1,010	4,531	SH		DFND	5	0	4,531	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	10,017	54,682	SH		DFND	5	0	54,682	0
BEST BUY INC	COM	086516101	288	4,828	SH		DFND	5	0	4,828	0
BIOMARIN PHARMACEUTICAL INC	COM	09061G101	276	3,351	SH		DFND	5	0	3,351	0
BIOGEN INC	COM	09062X103	414	1,311	SH		DFND	5	0	1,311	0
BLACKLINE INC	COM	09239B109	791	14,872	SH		DFND	5	0	14,872	0
BLACKROCK INC	COM	09247X101	1,792	3,936	SH		DFND	5	0	3,936	0
BLACKSTONE GROUP INC	COM CL A	09260D107	1,603	33,908	SH		DFND	5	0	33,908	0
BOEING CO	COM	097023105	1,793	11,773	SH		DFND	5	0	11,773	0
BOOKING HLDGS INC	COM	09857L108	5,415	4,139	SH		DFND	5	0	4,139	0
BRISTOL-MYERS SQUIBB CO	COM	110122108	1,414	26,002	SH		DFND	5	0	26,002	0
BRITISH AMERN TOB PLC	SPONSORED ADR	110448107	634	19,202	SH		DFND	5	0	19,202	0
BROADCOM INC	COM	11135F101	303	1,260	SH		DFND	5	0	1,260	0
BROOKFIELD ASSET MGMT INC	CL A LTD VT SH	112585104	285	6,461	SH		DFND	5	0	6,461	0
BROOKS AUTOMATION INC NEW	COM	114340102	526	17,240	SH		DFND	5	0	17,240	0
BROWN FORMAN CORP	CL B	115637209	1,121	19,789	SH		DFND	5	0	19,789	0
CBRE GROUP INC	CL A	12504L109	205	4,988	SH		DFND	5	0	4,988	0
CDW CORP	COM	12514G108	523	5,395	SH		DFND	5	0	5,395	0
CIGNA CORP NEW	COM	125523100	490	2,747	SH		DFND	5	0	2,747	0
CME GROUP INC	COM	12572Q105	372	2,136	SH		DFND	5	0	2,136	0
CRH PLC	ADR	12626K203	331	12,924	SH		DFND	5	0	12,924	0
CSX CORP	COM	126408103	518	8,931	SH		DFND	5	0	8,931	0
CVS HEALTH CORP	COM	126650100	2,794	46,812	SH		DFND	5	0	46,812	0
CANADIAN IMP BK COMM	COM	136069101	875	15,683	SH		DFND	5	0	15,683	0
CANADIAN NATL RY CO	COM	136375102	334	4,365	SH		DFND	5	0	4,365	0
CANOPY GROWTH CORP	COM	138035100	183	12,676	SH		DFND	5	0	12,676	0
CAREDX INC	COM	14167L103	207	9,250	SH		DFND	5	0	9,250	0
CARMAX INC	COM	143130102	2,175	39,008	SH		DFND	5	0	39,008	0
CASEYS GEN STORES INC	COM	147528103	252	1,897	SH		DFND	5	0	1,897	0
CATERPILLAR INC DEL	COM	149123101	2,538	22,717	SH		DFND	5	0	22,717	0
CENTERPOINT ENERGY INC	COM	15189T107	1,230	75,798	SH		DFND	5	0	75,798	0
CENTURYLINK INC	COM	156700106	144	14,585	SH		DFND	5	0	14,585	0
CHEESECAKE FACTORY INC	COM	163072101	312	18,925	SH		DFND	5	0	18,925	0
CHEMED CORP NEW	COM	16359R103	1,117	2,582	SH		DFND	5	0	2,582	0
CHEVRON CORP NEW	COM	166764100	4,297	59,715	SH		DFND	5	0	59,715	0
CHURCH & DWIGHT INC	COM	171340102	209	3,232	SH		DFND	5	0	3,232	0
CINEMARK HOLDINGS INC	COM	17243V102	126	12,453	SH		DFND	5	0	12,453	0
CISCO SYS INC	COM	17275R102	4,470	110,868	SH		DFND	5	0	110,868	0
CINTAS CORP	COM	172908105	787	4,364	SH		DFND	5	0	4,364	0
CITIGROUP INC	COM NEW	172967424	787	17,842	SH		DFND	5	0	17,842	0
CIVEO CORP CDA	COM	17878Y108	6	12,850	SH		DFND	5	0	12,850	0
CLEAN ENERGY FUELS CORP	COM	184499101	78	45,887	SH		DFND	5	0	45,887	0
CLOROX CO DEL	COM	189054109	522	2,993	SH		DFND	5	0	2,993	0
COCA COLA CO	COM	191216100	5,737	127,480	SH		DFND	5	0	127,480	0
COLGATE PALMOLIVE CO	COM	194162103	670	10,063	SH		DFND	5	0	10,063	0
COMCAST CORP NEW	CL A	20030N101	5,357	150,935	SH		DFND	5	0	150,935	0
COMPANHIA PARANAENSE ENERG C	SPON ADR PFD	20441B407	141	13,913	SH		DFND	5	0	13,913	0
COMPASS MINERALS INTL INC	COM	20451N101	1,192	32,608	SH		DFND	5	0	32,608	0
CONAGRA BRANDS INC	COM	205887102	646	22,870	SH		DFND	5	0	22,870	0
CONOCOPHILLIPS	COM	20825C104	1,253	42,787	SH		DFND	5	0	42,787	0
CONSOLIDATED EDISON INC	COM	209115104	852	10,558	SH		DFND	5	0	10,558	0
CONSTELLATION BRANDS INC	CL A	21036P108	320	2,185	SH		DFND	5	0	2,185	0
CORELOGIC INC	COM	21871D103	390	11,782	SH		DFND	5	0	11,782	0
CORNING INC	COM	219350105	498	23,402	SH		DFND	5	0	23,402	0
CORTEVA INC	COM	22052L104	268	11,117	SH		DFND	5	0	11,117	0
COSTCO WHSL CORP NEW	COM	22160K105	2,733	9,388	SH		DFND	5	0	9,388	0
COSTAR GROUP INC	COM	22160N109	1,916	3,193	SH		DFND	5	0	3,193	0
COVANTA HLDG CORP	COM	22282E102	109	12,447	SH		DFND	5	0	12,447	0
CUMMINS INC	COM	231021106	315	2,344	SH		DFND	5	0	2,344	0
D R HORTON INC	COM	23331A109	220	5,959	SH		DFND	5	0	5,959	0
DANAHER CORPORATION	COM	235851102	2,186	15,524	SH		DFND	5	0	15,524	0
DEERE & CO	COM	244199105	515	3,643	SH		DFND	5	0	3,643	0
DELL TECHNOLOGIES INC	CL C	24703L202	354	8,903	SH		DFND	5	0	8,903	0
DELTA AIR LINES INC DEL	COM NEW	247361702	368	12,821	SH		DFND	5	0	12,821	0
DEXCOM INC	COM	252131107	1,713	6,162	SH		DFND	5	0	6,162	0
DIAGEO P L C	SPON ADR NEW	25243Q205	1,201	9,326	SH		DFND	5	0	9,326	0
DIGITAL RLTY TR INC	COM	253868103	275	1,964	SH		DFND	5	0	1,964	0
DISNEY WALT CO	COM DISNEY	254687106	4,168	41,765	SH		DFND	5	0	41,765	0
DISCOVER FINL SVCS	COM	254709108	290	7,711	SH		DFND	5	0	7,711	0
DOCUSIGN INC	COM	256163106	646	7,325	SH		DFND	5	0	7,325	0
DOLLAR GEN CORP NEW	COM	256677105	934	6,360	SH		DFND	5	0	6,360	0
DOMINION ENERGY INC	COM	25746U109	5,251	68,360	SH		DFND	5	0	68,360	0
DOVER CORP	COM	260003108	519	6,059	SH		DFND	5	0	6,059	0
DOW INC	COM	260557103	722	25,201	SH		DFND	5	0	25,201	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	7,553	90,492	SH		DFND	5	0	90,492	0
DUPONT DE NEMOURS INC	COM	26614N102	315	9,365	SH		DFND	5	0	9,365	0
ECA MARCELLUS TR I	COM UNIT	26827L109	6	15,000	SH		DFND	5	0	15,000	0
EBAY INC	COM	278642103	1,179	37,785	SH		DFND	5	0	37,785	0
ECOLAB INC	COM	278865100	2,396	14,844	SH		DFND	5	0	14,844	0
EDWARDS LIFESCIENCES CORP	COM	28176E108	1,962	10,011	SH		DFND	5	0	10,011	0
ELECTRONIC ARTS INC	COM	285512109	1,413	14,469	SH		DFND	5	0	14,469	0
EMERSON ELEC CO	COM	291011104	676	14,491	SH		DFND	5	0	14,491	0
ENBRIDGE INC	COM	29250N105	9,428	334,321	SH		DFND	5	0	334,321	0
ENERGY TRANSFER LP	COM UT LTD PTN	29273V100	87	19,224	SH		DFND	5	0	19,224	0
ENTERGY CORP NEW	COM	29364G103	303	3,028	SH		DFND	5	0	3,028	0
ENTERPRISE PRODS PARTNERS L	COM	293792107	1,745	128,791	SH		DFND	5	0	128,791	0
EVERGY INC	COM	30034W106	250	4,234	SH		DFND	5	0	4,234	0
EVERSOURCE ENERGY	COM	30040W108	421	5,028	SH		DFND	5	0	5,028	0
EVOLENT HEALTH INC	CL A	30050B101	133	23,576	SH		DFND	5	0	23,576	0
EXELON CORP	COM	30161N101	409	10,976	SH		DFND	5	0	10,976	0
EXXON MOBIL CORP	COM	30231G102	6,450	172,003	SH		DFND	5	0	172,003	0
FACEBOOK INC	CL A	30303M102	10,179	61,340	SH		DFND	5	0	61,340	0
FASTENAL CO	COM	311900104	1,449	45,579	SH		DFND	5	0	45,579	0
FEDERAL REALTY INVT TR	SH BEN INT NEW	313747206	287	3,828	SH		DFND	5	0	3,828	0
FEDEX CORP	COM	31428X106	341	2,742	SH		DFND	5	0	2,742	0
FIDELITY NATL INFORMATION SV	COM	31620M106	486	3,879	SH		DFND	5	0	3,879	0
FIFTH THIRD BANCORP	COM	316773100	219	13,826	SH		DFND	5	0	13,826	0
FIRST COMWLTH FINL CORP PA	COM	319829107	103	11,383	SH		DFND	5	0	11,383	0
FIRST FINL BANKSHARES	COM	32020R109	597	21,790	SH		DFND	5	0	21,790	0
FIRST TR MORNINGSTAR DIVID L	SHS	336917109	485	21,419	SH		DFND	5	0	21,419	0
FIRST TR EXCHANGE-TRADED FD	CAP STRENGTH ETF	33733E104	1,076	21,300	SH		DFND	5	0	21,300	0
FIRST TR EXCHANGE-TRADED FD	NY ARCA BIOTECH	33733E203	383	2,903	SH		DFND	5	0	2,903	0
FIRST TR EXCHANGE-TRADED FD	DJ INTERNT IDX	33733E302	496	3,961	SH		DFND	5	0	3,961	0
FIRST TR MULTI CAP GROWTH AL	COM SHS	33733F101	348	5,697	SH		DFND	5	0	5,697	0
FIRST TR NAS100 EQ WEIGHTED	SHS	337344105	590	9,372	SH		DFND	5	0	9,372	0
FIRST TR NASDAQ-100 TECH IND	SHS	337345102	560	6,518	SH		DFND	5	0	6,518	0
FIRST TR VALUE LINE DIVID IN	SHS	33734H106	571	20,231	SH		DFND	5	0	20,231	0
FIRST TR LRGE CP CORE ALPHA	COM SHS	33734K109	701	14,439	SH		DFND	5	0	14,439	0
FIRST TR EXCHANGE TRADED FD	HLTH CARE ALPH	33734X143	201	2,706	SH		DFND	5	0	2,706	0
FIRST TR SML CP CORE ALPHA F	COM SHS	33734Y109	213	5,149	SH		DFND	5	0	5,149	0
FIRST TR MID CAP CORE ALPHAD	COM SHS	33735B108	282	5,772	SH		DFND	5	0	5,772	0
FIRST TR LRG CP VL ALPHADEX	COM SHS	33735J101	388	10,334	SH		DFND	5	0	10,334	0
FIRST TR LARGE CAP GROWTH A	COM SHS	33735K108	269	4,414	SH		DFND	5	0	4,414	0
FISERV INC	COM	337738108	1,680	17,082	SH		DFND	5	0	17,082	0
FIRSTENERGY CORP	COM	337932107	1,800	44,451	SH		DFND	5	0	44,451	0
FIVE BELOW INC	COM	33829M101	507	6,956	SH		DFND	5	0	6,956	0
FLY LEASING LTD	SPONSORED ADR	34407D109	114	16,671	SH		DFND	5	0	16,671	0
FORD MTR CO DEL	COM	345370860	273	54,201	SH		DFND	5	0	54,201	0
FORTIS INC	COM	349553107	235	6,353	SH		DFND	5	0	6,353	0
FORTIVE CORP	COM	34959J108	909	17,455	SH		DFND	5	0	17,455	0
GALAPAGOS NV	SPON ADR	36315X101	515	2,703	SH		DFND	5	0	2,703	0
GANNETT CO INC	COM	36472T109	47	24,163	SH		DFND	5	0	24,163	0
GENERAL DYNAMICS CORP	COM	369550108	2,144	16,046	SH		DFND	5	0	16,046	0
GENERAL ELECTRIC CO	COM	369604103	810	102,667	SH		DFND	5	0	102,667	0
GENERAL MLS INC	COM	370334104	2,731	50,483	SH		DFND	5	0	50,483	0
GENTEX CORP	COM	371901109	762	33,170	SH		DFND	5	0	33,170	0
GENUINE PARTS CO	COM	372460105	2,134	32,296	SH		DFND	5	0	32,296	0
GILEAD SCIENCES INC	COM	375558103	1,587	20,905	SH		DFND	5	0	20,905	0
GLAXOSMITHKLINE PLC	SPONSORED ADR	37733W105	1,453	38,636	SH		DFND	5	0	38,636	0
GLOBAL PMTS INC	COM	37940X102	517	3,422	SH		DFND	5	0	3,422	0
GOLD FIELDS LTD NEW	SPONSORED ADR	38059T106	284	57,707	SH		DFND	5	0	57,707	0
GOLDMAN SACHS GROUP INC	COM	38141G104	376	2,358	SH		DFND	5	0	2,358	0
GRACO INC	COM	384109104	494	10,276	SH		DFND	5	0	10,276	0
GRAINGER W W INC	COM	384802104	408	1,598	SH		DFND	5	0	1,598	0
GRAND CANYON ED INC	COM	38526M106	1,066	14,163	SH		DFND	5	0	14,163	0
GUIDEWIRE SOFTWARE INC	COM	40171V100	699	8,414	SH		DFND	5	0	8,414	0
HANESBRANDS INC	COM	410345102	876	108,644	SH		DFND	5	0	108,644	0
HEALTHCARE SVCS GROUP INC	COM	421906108	584	25,435	SH		DFND	5	0	25,435	0
HEALTHPEAK PROPERTIES INC	COM	42250P103	743	30,511	SH		DFND	5	0	30,511	0
HEICO CORP NEW	COM	422806109	1,016	13,212	SH		DFND	5	0	13,212	0
HENRY JACK & ASSOC INC	COM	426281101	469	3,004	SH		DFND	5	0	3,004	0
HERSHEY CO	COM	427866108	744	5,399	SH		DFND	5	0	5,399	0
HOME DEPOT INC	COM	437076102	9,396	47,913	SH		DFND	5	0	47,913	0
HONEYWELL INTL INC	COM	438516106	1,076	8,167	SH		DFND	5	0	8,167	0
HORMEL FOODS CORP	COM	440452100	320	6,837	SH		DFND	5	0	6,837	0
HOULIHAN LOKEY INC	CL A	441593100	562	11,717	SH		DFND	5	0	11,717	0
HUNTINGTON BANCSHARES INC	COM	446150104	513	61,232	SH		DFND	5	0	61,232	0
HUNTINGTON INGALLS INDS INC	COM	446413106	570	3,008	SH		DFND	5	0	3,008	0
ICICI BANK LIMITED	ADR	45104G104	141	16,727	SH		DFND	5	0	16,727	0
ILLINOIS TOOL WKS INC	COM	452308109	1,127	7,915	SH		DFND	5	0	7,915	0
ILLUMINA INC	COM	452327109	1,011	3,661	SH		DFND	5	0	3,661	0
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	698	22,856	SH		DFND	5	0	22,856	0
ING GROEP N.V.	SPONSORED ADR	456837103	123	22,428	SH		DFND	5	0	22,428	0
INTEL CORP	COM	458140100	6,091	109,777	SH		DFND	5	0	109,777	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	1,484	13,142	SH		DFND	5	0	13,142	0
INTERNATIONAL FLAVORS&FRAGRA	COM	459506101	381	3,527	SH		DFND	5	0	3,527	0
INTUIT	COM	461202103	1,474	6,192	SH		DFND	5	0	6,192	0
INTUITIVE SURGICAL INC	COM NEW	46120E602	1,693	3,359	SH		DFND	5	0	3,359	0
IQVIA HLDGS INC	COM	46266C105	6,173	54,642	SH		DFND	5	0	54,642	0
ISHARES GOLD TRUST	ISHARES	464285105	10,089	651,302	SH		DFND	5	0	651,302	0
ISHARES INC	MSCI GERMANY ETF	464286806	325	15,110	SH		DFND	5	0	15,110	0
ISHARES TR	MRNGSTR LG-CP GR	464287119	734	3,899	SH		DFND	5	0	3,899	0
ISHARES TR	MRNGSTR LG-CP ET	464287127	634	4,266	SH		DFND	5	0	4,266	0
ISHARES TR	CORE S&P TTL STK	464287150	630	10,842	SH		DFND	5	0	10,842	0
ISHARES TR	SELECT DIVID ETF	464287168	832	11,047	SH		DFND	5	0	11,047	0
ISHARES TR	TIPS BD ETF	464287176	3,513	29,685	SH		DFND	5	0	29,685	0
ISHARES TR	CORE S&P500 ETF	464287200	43,834	167,074	SH		DFND	5	0	167,074	0
ISHARES TR	CORE US AGGBD ET	464287226	17,337	149,868	SH		DFND	5	0	149,868	0
ISHARES TR	MSCI EMG MKT ETF	464287234	904	26,672	SH		DFND	5	0	26,672	0
ISHARES TR	IBOXX INV CP ETF	464287242	91,967	742,147	SH		DFND	5	0	742,147	0
ISHARES TR	GLOBAL TECH ETF	464287291	516	2,771	SH		DFND	5	0	2,771	0
ISHARES TR	S&P 500 GRWT ETF	464287309	5,884	35,113	SH		DFND	5	0	35,113	0
ISHARES TR	GLOB HLTHCRE ETF	464287325	672	10,975	SH		DFND	5	0	10,975	0
ISHARES TR	GLOBAL ENERG ETF	464287341	268	16,302	SH		DFND	5	0	16,302	0
ISHARES TR	S&P 500 VAL ETF	464287408	3,755	38,324	SH		DFND	5	0	38,324	0
ISHARES TR	20 YR TR BD ETF	464287432	104,736	629,729	SH		DFND	5	0	629,729	0
ISHARES TR	BARCLAYS 7 10 YR	464287440	4,724	38,958	SH		DFND	5	0	38,958	0
ISHARES TR	1 3 YR TREAS BD	464287457	22,017	253,979	SH		DFND	5	0	253,979	0
ISHARES TR	MSCI EAFE ETF	464287465	4,092	75,866	SH		DFND	5	0	75,866	0
ISHARES TR	RUS MDCP VAL ETF	464287473	241	3,695	SH		DFND	5	0	3,695	0
ISHARES TR	RUS MD CP GR ETF	464287481	435	3,506	SH		DFND	5	0	3,506	0
ISHARES TR	RUS MID CAP ETF	464287499	725	16,479	SH		DFND	5	0	16,479	0
ISHARES TR	CORE S&P MCP ETF	464287507	22,213	152,785	SH		DFND	5	0	152,785	0
ISHARES TR	EXPANDED TECH	464287515	1,930	9,051	SH		DFND	5	0	9,051	0
ISHARES TR	PHLX SEMICND ETF	464287523	6,636	31,700	SH		DFND	5	0	31,700	0
ISHARES TR	NASDAQ BIOTECH	464287556	424	3,898	SH		DFND	5	0	3,898	0
ISHARES TR	COHEN STEER REIT	464287564	314	3,340	SH		DFND	5	0	3,340	0
ISHARES TR	RUS 1000 VAL ETF	464287598	1,188	11,760	SH		DFND	5	0	11,760	0
ISHARES TR	S&P MC 400GR ETF	464287606	666	3,691	SH		DFND	5	0	3,691	0
ISHARES TR	RUS 1000 GRW ETF	464287614	2,664	17,432	SH		DFND	5	0	17,432	0
ISHARES TR	RUS 1000 ETF	464287622	258	1,794	SH		DFND	5	0	1,794	0
ISHARES TR	RUSSELL 2000 ETF	464287655	529	4,599	SH		DFND	5	0	4,599	0
ISHARES TR	CORE S&P US GWT	464287671	216	3,726	SH		DFND	5	0	3,726	0
ISHARES TR	S&P MC 400VL ETF	464287705	224	2,023	SH		DFND	5	0	2,023	0
ISHARES TR	U.S. TECH ETF	464287721	586	2,825	SH		DFND	5	0	2,825	0
ISHARES TR	U.S. REAL ES ETF	464287739	381	5,315	SH		DFND	5	0	5,315	0
ISHARES TR	U.S. FIN SVC ETF	464287770	205	1,930	SH		DFND	5	0	1,930	0
ISHARES TR	U.S. FINLS ETF	464287788	249	2,480	SH		DFND	5	0	2,480	0
ISHARES TR	CORE S&P SCP ETF	464287804	28,965	514,930	SH		DFND	5	0	514,930	0
ISHARES TR	SP SMCP600VL ETF	464287879	223	2,240	SH		DFND	5	0	2,240	0
ISHARES TR	INTL TREA BD ETF	464288117	85,237	1,717,800	SH		DFND	5	0	1,717,800	0
ISHARES TR	MRGSTR MD CP ETF	464288208	1,493	9,605	SH		DFND	5	0	9,605	0
ISHARES TR	JPMORGAN USD EMG	464288281	3,136	32,190	SH		DFND	5	0	32,190	0
ISHARES TR	MRGSTR MD CP VAL	464288406	398	3,633	SH		DFND	5	0	3,633	0
ISHARES TR	NATIONAL MUN ETF	464288414	903	7,936	SH		DFND	5	0	7,936	0
ISHARES TR	INTL SEL DIV ETF	464288448	251	11,272	SH		DFND	5	0	11,272	0
ISHARES TR	MRGSTR SM CP ETF	464288505	951	7,539	SH		DFND	5	0	7,539	0
ISHARES TR	IBOXX HI YD ETF	464288513	112,913	1,453,375	SH		DFND	5	0	1,453,375	0
ISHARES TR	MBS ETF	464288588	5,518	50,032	SH		DFND	5	0	50,032	0
ISHARES TR	INTRM TR CRP ETF	464288638	2,771	50,452	SH		DFND	5	0	50,452	0
ISHARES TR	SH TR CRPORT ETF	464288646	4,561	87,462	SH		DFND	5	0	87,462	0
ISHARES TR	3 7 YR TREAS BD	464288661	4,100	30,805	SH		DFND	5	0	30,805	0
ISHARES TR	SHORT TREAS BD	464288679	7,650	68,906	SH		DFND	5	0	68,906	0
ISHARES TR	PFD AND INCM SEC	464288687	4,597	144,552	SH		DFND	5	0	144,552	0
ISHARES TR	US AER DEF ETF	464288760	3,195	21,649	SH		DFND	5	0	21,649	0
ISHARES TR	U.S. MED DVC ETF	464288810	1,432	6,299	SH		DFND	5	0	6,299	0
ISHARES TR	EAFE VALUE ETF	464288877	1,867	51,549	SH		DFND	5	0	51,549	0
ISHARES TR	RUS TP200 GR ETF	464289438	438	5,154	SH		DFND	5	0	5,154	0
ISHARES TR	LNG TR CRPRT BD	464289511	4,091	64,704	SH		DFND	5	0	64,704	0
ISHARES TR	AGGRES ALLOC ETF	464289859	310	6,478	SH		DFND	5	0	6,478	0
ISHARES SILVER TRUST	ISHARES	46428Q109	3,513	266,940	SH		DFND	5	0	266,940	0
JPMORGAN CHASE & CO	COM	46625H100	5,129	54,855	SH		DFND	5	0	54,855	0
JD COM INC	SPON ADR CL A	47215P106	232	5,740	SH		DFND	5	0	5,740	0
JEFFERIES FINL GROUP INC	COM	47233W109	185	13,202	SH		DFND	5	0	13,202	0
JOHNSON & JOHNSON	COM	478160104	10,204	76,711	SH		DFND	5	0	76,711	0
KLA CORPORATION	COM NEW	482480100	211	1,411	SH		DFND	5	0	1,411	0
KKR & CO INC	CL A	48251W104	684	27,902	SH		DFND	5	0	27,902	0
KIMBERLY CLARK CORP	COM	494368103	2,377	17,952	SH		DFND	5	0	17,952	0
KINDER MORGAN INC DEL	COM	49456B101	199	15,005	SH		DFND	5	0	15,005	0
KONINKLIJKE PHILIPS N V	NY REG SH NEW	500472303	218	5,354	SH		DFND	5	0	5,354	0
KROGER CO	COM	501044101	705	23,774	SH		DFND	5	0	23,774	0
L3HARRIS TECHNOLOGIES INC	COM	502431109	1,573	8,643	SH		DFND	5	0	8,643	0
LABORATORY CORP AMER HLDGS	COM NEW	50540R409	380	2,877	SH		DFND	5	0	2,877	0
LAM RESEARCH CORP	COM	512807108	495	1,938	SH		DFND	5	0	1,938	0
LANDSTAR SYS INC	COM	515098101	557	5,738	SH		DFND	5	0	5,738	0
LAS VEGAS SANDS CORP	COM	517834107	288	6,626	SH		DFND	5	0	6,626	0
LAUDER ESTEE COS INC	CL A	518439104	1,047	6,341	SH		DFND	5	0	6,341	0
LEIDOS HOLDINGS INC	COM	525327102	293	3,131	SH		DFND	5	0	3,131	0
LENNAR CORP	CL A	526057104	290	7,249	SH		DFND	5	0	7,249	0
LILLY ELI & CO	COM	532457108	1,806	13,047	SH		DFND	5	0	13,047	0
LINCOLN ELEC HLDGS INC	COM	533900106	203	2,903	SH		DFND	5	0	2,903	0
LLOYDS BANKING GROUP PLC	SPONSORED ADR	539439109	764	471,508	SH		DFND	5	0	471,508	0
LOCKHEED MARTIN CORP	COM	539830109	4,327	12,403	SH		DFND	5	0	12,403	0
LOWES COS INC	COM	548661107	7,638	86,098	SH		DFND	5	0	86,098	0
LYFT INC	CL A COM	55087P104	1,560	57,960	SH		DFND	5	0	57,960	0
M & T BK CORP	COM	55261F104	273	2,555	SH		DFND	5	0	2,555	0
MPLX LP	COM UNIT REP LTD	55336V100	117	11,608	SH		DFND	5	0	11,608	0
MSCI INC	COM	55354G100	352	1,197	SH		DFND	5	0	1,197	0
MACYS INC	COM	55616P104	119	22,075	SH		DFND	5	0	22,075	0
MAGELLAN MIDSTREAM PRTNRS LP	COM UNIT RP LP	559080106	2,064	61,949	SH		DFND	5	0	61,949	0
MARATHON OIL CORP	COM	565849106	39	11,979	SH		DFND	5	0	11,979	0
MARATHON PETE CORP	COM	56585A102	888	36,484	SH		DFND	5	0	36,484	0
MARKEL CORP	COM	570535104	274	289	SH		DFND	5	0	289	0
MARSH & MCLENNAN COS INC	COM	571748102	947	10,573	SH		DFND	5	0	10,573	0
MARRIOTT INTL INC NEW	CL A	571903202	327	4,293	SH		DFND	5	0	4,293	0
MARTIN MARIETTA MATLS INC	COM	573284106	209	1,162	SH		DFND	5	0	1,162	0
MASTERCARD INC	CL A	57636Q104	17,320	68,393	SH		DFND	5	0	68,393	0
MCCORMICK & CO INC	COM NON VTG	579780206	237	1,656	SH		DFND	5	0	1,656	0
MCDONALDS CORP	COM	580135101	4,397	26,152	SH		DFND	5	0	26,152	0
MCKESSON CORP	COM	58155Q103	1,393	10,095	SH		DFND	5	0	10,095	0
MEDICAL PPTYS TRUST INC	COM	58463J304	212	12,076	SH		DFND	5	0	12,076	0
MERCADOLIBRE INC	COM	58733R102	340	719	SH		DFND	5	0	719	0
MERCK & CO. INC	COM	58933Y105	4,613	59,950	SH		DFND	5	0	59,950	0
MICROSOFT CORP	COM	594918104	30,076	187,702	SH		DFND	5	0	187,702	0
MICROCHIP TECHNOLOGY INC	COM	595017104	916	13,278	SH		DFND	5	0	13,278	0
MICRON TECHNOLOGY INC	COM	595112103	364	8,176	SH		DFND	5	0	8,176	0
MOBILE TELESYSTEMS PJSC	SPONSORED ADR	607409109	169	22,803	SH		DFND	5	0	22,803	0
MONDELEZ INTL INC	CL A	609207105	645	12,606	SH		DFND	5	0	12,606	0
MORGAN STANLEY	COM NEW	617446448	242	6,940	SH		DFND	5	0	6,940	0
MOTOROLA SOLUTIONS INC	COM NEW	620076307	319	2,390	SH		DFND	5	0	2,390	0
NATIONAL BEVERAGE CORP	COM	635017106	425	9,944	SH		DFND	5	0	9,944	0
NATIONAL GRID PLC	SPONSORED ADR NE	636274409	1,538	25,920	SH		DFND	5	0	25,920	0
NATIONAL INSTRS CORP	COM	636518102	681	20,270	SH		DFND	5	0	20,270	0
NEOGEN CORP	COM	640491106	419	6,292	SH		DFND	5	0	6,292	0
NETFLIX INC	COM	64110L106	1,785	4,813	SH		DFND	5	0	4,813	0
NEW ORIENTAL ED & TECH GRP I	SPON ADR	647581107	232	2,130	SH		DFND	5	0	2,130	0
NEWS CORP NEW	CL B	65249B208	98	11,037	SH		DFND	5	0	11,037	0
NEXTERA ENERGY INC	COM	65339F101	2,545	10,347	SH		DFND	5	0	10,347	0
NICE LTD	SPONSORED ADR	653656108	526	3,548	SH		DFND	5	0	3,548	0
NIKE INC	CL B	654106103	595	6,964	SH		DFND	5	0	6,964	0
NORFOLK SOUTHERN CORP	COM	655844108	1,438	9,700	SH		DFND	5	0	9,700	0
NORTHROP GRUMMAN CORP	COM	666807102	1,411	4,499	SH		DFND	5	0	4,499	0
NORTONLIFELOCK INC	COM	668771108	253	13,256	SH		DFND	5	0	13,256	0
NOVARTIS A G	SPONSORED ADR	66987V109	3,635	44,389	SH		DFND	5	0	44,389	0
NOVO-NORDISK A S	ADR	670100205	811	13,472	SH		DFND	5	0	13,472	0
NVIDIA CORP	COM	67066G104	2,392	9,007	SH		DFND	5	0	9,007	0
NUTRIEN LTD	COM	67077M108	248	7,653	SH		DFND	5	0	7,653	0
O REILLY AUTOMOTIVE INC NEW	COM	67103H107	356	1,118	SH		DFND	5	0	1,118	0
OKTA INC	CL A	679295105	426	3,411	SH		DFND	5	0	3,411	0
OMNICOM GROUP INC	COM	681919106	2,120	38,606	SH		DFND	5	0	38,606	0
OMEGA HEALTHCARE INVS INC	COM	681936100	236	8,877	SH		DFND	5	0	8,877	0
ORACLE CORP	COM	68389X105	2,663	52,876	SH		DFND	5	0	52,876	0
PNC FINL SVCS GROUP INC	COM	693475105	866	8,580	SH		DFND	5	0	8,580	0
PPG INDS INC	COM	693506107	433	5,036	SH		DFND	5	0	5,036	0
PPL CORP	COM	69351T106	1,155	44,733	SH		DFND	5	0	44,733	0
PALO ALTO NETWORKS INC	COM	697435105	381	2,288	SH		DFND	5	0	2,288	0
PAYCHEX INC	COM	704326107	519	8,057	SH		DFND	5	0	8,057	0
PAYCOM SOFTWARE INC	COM	70432V102	1,225	5,748	SH		DFND	5	0	5,748	0
PAYPAL HLDGS INC	COM	70450Y103	1,547	15,950	SH		DFND	5	0	15,950	0
PEOPLES UTD FINL INC	COM	712704105	220	19,087	SH		DFND	5	0	19,087	0
PEPSICO INC	COM	713448108	5,306	42,285	SH		DFND	5	0	42,285	0
PFIZER INC	COM	717081103	7,742	236,971	SH		DFND	5	0	236,971	0
PHILIP MORRIS INTL INC	COM	718172109	5,523	76,133	SH		DFND	5	0	76,133	0
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	257	2,599	SH		DFND	5	0	2,599	0
PIMCO ETF TR	INTER MUN BD ACT	72201R866	633	11,576	SH		DFND	5	0	11,576	0
PIMCO ETF TR	SHTRM MUN BD ACT	72201R874	1,348	26,780	SH		DFND	5	0	26,780	0
PLAINS GP HLDGS L P	LTD PARTNR INT A	72651A207	341	63,193	SH		DFND	5	0	63,193	0
PLURALSIGHT INC	COM CL A	72941B106	272	23,641	SH		DFND	5	0	23,641	0
PRICE T ROWE GROUP INC	COM	74144T108	835	8,445	SH		DFND	5	0	8,445	0
PRIMERICA INC	COM	74164M108	462	5,098	SH		DFND	5	0	5,098	0
PRINCIPAL FINL GROUP INC	COM	74251V102	339	10,202	SH		DFND	5	0	10,202	0
PROCTER & GAMBLE CO	COM	742718109	8,828	76,766	SH		DFND	5	0	76,766	0
PROGRESSIVE CORP OHIO	COM	743315103	547	7,180	SH		DFND	5	0	7,180	0
PROLOGIS INC.	COM	74340W103	280	3,373	SH		DFND	5	0	3,373	0
PROTO LABS INC	COM	743713109	736	9,692	SH		DFND	5	0	9,692	0
PRUDENTIAL FINL INC	COM	744320102	509	9,469	SH		DFND	5	0	9,469	0
QUALCOMM INC	COM	747525103	1,159	16,791	SH		DFND	5	0	16,791	0
RLI CORP	COM	749607107	519	5,799	SH		DFND	5	0	5,799	0
RAYTHEON CO	COM NEW	755111507	1,421	10,063	SH		DFND	5	0	10,063	0
RBC BEARINGS INC	COM	75524B104	525	4,686	SH		DFND	5	0	4,686	0
REALTY INCOME CORP	COM	756109104	1,139	21,431	SH		DFND	5	0	21,431	0
REGENERON PHARMACEUTICALS	COM	75886F107	399	844	SH		DFND	5	0	844	0
REGIONS FINANCIAL CORP NEW	COM	7591EP100	312	32,849	SH		DFND	5	0	32,849	0
REPLIGEN CORP	COM	759916109	268	2,800	SH		DFND	5	0	2,800	0
REPUBLIC SVCS INC	COM	760759100	419	5,471	SH		DFND	5	0	5,471	0
RINGCENTRAL INC	CL A	76680R206	553	2,426	SH		DFND	5	0	2,426	0
RITCHIE BROS AUCTIONEERS	COM	767744105	1,023	30,717	SH		DFND	5	0	30,717	0
ROLLINS INC	COM	775711104	729	20,332	SH		DFND	5	0	20,332	0
ROPER TECHNOLOGIES INC	COM	776696106	1,893	5,963	SH		DFND	5	0	5,963	0
ROSS STORES INC	COM	778296103	827	9,746	SH		DFND	5	0	9,746	0
ROYAL DUTCH SHELL PLC	SPON ADR B	780259107	501	15,971	SH		DFND	5	0	15,971	0
ROYAL DUTCH SHELL PLC	SPONS ADR A	780259206	432	12,928	SH		DFND	5	0	12,928	0
SBA COMMUNICATIONS CORP NEW	CL A	78410G104	1,845	6,621	SH		DFND	5	0	6,621	0
SLM CORP	COM	78442P106	163	22,362	SH		DFND	5	0	22,362	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	13,327	50,935	SH		DFND	5	0	50,935	0
SPDR GOLD TRUST	GOLD SHS	78463V107	2,952	19,306	SH		DFND	5	0	19,306	0
SPDR INDEX SHS FDS	ASIA PACIF ETF	78463X301	940	11,116	SH		DFND	5	0	11,116	0
SPDR INDEX SHS FDS	DJ GLB RL ES ETF	78463X749	1,926	52,978	SH		DFND	5	0	52,978	0
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	268	11,139	SH		DFND	5	0	11,139	0
SPDR SER TR	S&P 600 SMCP GRW	78464A201	234	5,043	SH		DFND	5	0	5,043	0
SPDR SER TR	BLMBRG BRC CNVRT	78464A359	671	13,953	SH		DFND	5	0	13,953	0
SPDR SER TR	PORTFOLIO INTRMD	78464A375	262	7,738	SH		DFND	5	0	7,738	0
SPDR SER TR	PRTFLO S&P500 GW	78464A409	6,616	182,653	SH		DFND	5	0	182,653	0
SPDR SER TR	BLOMBERG INTL TR	78464A516	1,715	62,015	SH		DFND	5	0	62,015	0
SPDR SER TR	PORTFLI TIPS ETF	78464A656	2,467	84,499	SH		DFND	5	0	84,499	0
SPDR SER TR	PORTFOLIO LN TSR	78464A664	240	5,060	SH		DFND	5	0	5,060	0
SPDR SER TR	S&P DIVID ETF	78464A763	1,594	19,637	SH		DFND	5	0	19,637	0
SPDR SER TR	S&P 400 MDCP GRW	78464A821	1,924	44,471	SH		DFND	5	0	44,471	0
SPDR SER TR	PORTFOLIO S&P400	78464A847	621	24,241	SH		DFND	5	0	24,241	0
SPDR SER TR	PORTFOLIO S&P500	78464A854	2,381	77,456	SH		DFND	5	0	77,456	0
SPDR SER TR	S&P BIOTECH	78464A870	289	3,710	SH		DFND	5	0	3,710	0
SPDR DOW JONES INDL AVRG ETF	UT SER 1	78467X109	1,653	7,411	SH		DFND	5	0	7,411	0
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	499	1,879	SH		DFND	5	0	1,879	0
SALESFORCE COM INC	COM	79466L302	3,055	20,391	SH		DFND	5	0	20,391	0
SANDRIDGE PERMIAN TR	COM UNIT BEN INT	80007A102	7	15,111	SH		DFND	5	0	15,111	0
SANOFI	SPONSORED ADR	80105N105	1,457	32,606	SH		DFND	5	0	32,606	0
SAP SE	SPON ADR	803054204	210	1,860	SH		DFND	5	0	1,860	0
SCHWAB CHARLES CORP	COM	808513105	983	28,631	SH		DFND	5	0	28,631	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	12,557	155,481	SH		DFND	5	0	155,481	0
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	232	8,927	SH		DFND	5	0	8,927	0
SCOTTS MIRACLE GRO CO	CL A	810186106	944	8,931	SH		DFND	5	0	8,931	0
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	1,897	21,318	SH		DFND	5	0	21,318	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	247	4,444	SH		DFND	5	0	4,444	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	1,285	12,840	SH		DFND	5	0	12,840	0
SELECT SECTOR SPDR TR	ENERGY	81369Y506	2,844	99,379	SH		DFND	5	0	99,379	0
SELECT SECTOR SPDR TR	SBI INT-FINL	81369Y605	999	46,654	SH		DFND	5	0	46,654	0
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	755	12,633	SH		DFND	5	0	12,633	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	5,953	72,690	SH		DFND	5	0	72,690	0
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	877	15,195	SH		DFND	5	0	15,195	0
SEMPRA ENERGY	COM	816851109	233	1,937	SH		DFND	5	0	1,937	0
SERVICENOW INC	COM	81762P102	1,044	3,645	SH		DFND	5	0	3,645	0
SHERWIN WILLIAMS CO	COM	824348106	1,432	2,972	SH		DFND	5	0	2,972	0
SHOPIFY INC	CL A	82509L107	245	570	SH		DFND	5	0	570	0
SIBANYE STILLWATER LTD	SPONSORED ADR	82575P107	148	29,730	SH		DFND	5	0	29,730	0
SIRIUS XM HLDGS INC	COM	82968B103	127	26,429	SH		DFND	5	0	26,429	0
SITEONE LANDSCAPE SUPPLY INC	COM	82982L103	963	13,054	SH		DFND	5	0	13,054	0
SKYWORKS SOLUTIONS INC	COM	83088M102	445	4,934	SH		DFND	5	0	4,934	0
SMITH & NEPHEW GROUP PLC	SPDN ADR NEW	83175M205	245	6,759	SH		DFND	5	0	6,759	0
SMITH A O CORP	COM	831865209	406	10,519	SH		DFND	5	0	10,519	0
SMUCKER J M CO	COM NEW	832696405	492	4,443	SH		DFND	5	0	4,443	0
SOUTHERN CO	COM	842587107	2,591	44,684	SH		DFND	5	0	44,684	0
SOUTHWEST AIRLS CO	COM	844741108	334	9,517	SH		DFND	5	0	9,517	0
SOUTHWESTERN ENERGY CO	COM	845467109	62	37,053	SH		DFND	5	0	37,053	0
SPIRIT RLTY CAP INC NEW	COM NEW	84860W300	1,313	49,516	SH		DFND	5	0	49,516	0
SPLUNK INC	COM	848637104	264	2,077	SH		DFND	5	0	2,077	0
STANLEY BLACK & DECKER INC	COM	854502101	294	2,927	SH		DFND	5	0	2,927	0
STARBUCKS CORP	COM	855244109	3,386	49,899	SH		DFND	5	0	49,899	0
STARWOOD PPTY TR INC	COM	85571B105	145	12,876	SH		DFND	5	0	12,876	0
STATE STR CORP	COM	857477103	553	10,674	SH		DFND	5	0	10,674	0
STRYKER CORP	COM	863667101	888	5,446	SH		DFND	5	0	5,446	0
SUN CMNTYS INC	COM	866674104	352	2,880	SH		DFND	5	0	2,880	0
SYSCO CORP	COM	871829107	788	16,994	SH		DFND	5	0	16,994	0
TJX COS INC NEW	COM	872540109	1,334	28,055	SH		DFND	5	0	28,055	0
T MOBILE US INC	COM	872590104	221	2,657	SH		DFND	5	0	2,657	0
TAL EDUCATION GROUP	SPONSORED ADS	874080104	325	6,258	SH		DFND	5	0	6,258	0
TANDEM DIABETES CARE INC	COM NEW	875372203	818	12,032	SH		DFND	5	0	12,032	0
TARGET CORP	COM	87612E106	1,147	11,942	SH		DFND	5	0	11,942	0
TC ENERGY CORP	COM	87807B107	437	10,612	SH		DFND	5	0	10,612	0
TELADOC HEALTH INC	COM	87918A105	1,933	11,819	SH		DFND	5	0	11,819	0
TELUS CORPORATION	COM	87971M103	208	13,708	SH		DFND	5	0	13,708	0
TESLA INC	COM	88160R101	389	775	SH		DFND	5	0	775	0
TEXAS INSTRS INC	COM	882508104	1,933	18,946	SH		DFND	5	0	18,946	0
THERMO FISHER SCIENTIFIC INC	COM	883556102	2,540	8,913	SH		DFND	5	0	8,913	0
THOMSON REUTERS CORP	COM NEW	884903709	348	5,229	SH		DFND	5	0	5,229	0
THOR INDS INC	COM	885160101	499	11,777	SH		DFND	5	0	11,777	0
3-D SYS CORP DEL	COM NEW	88554D205	205	26,037	SH		DFND	5	0	26,037	0
3M CO	COM	88579Y101	2,807	20,377	SH		DFND	5	0	20,377	0
TORONTO DOMINION BK ONT	COM NEW	891160509	907	21,968	SH		DFND	5	0	21,968	0
TOTAL S.A.	SPONSORED ADS	89151E109	422	11,475	SH		DFND	5	0	11,475	0
TOYOTA MOTOR CORP	SP ADR REP2COM	892331307	243	1,941	SH		DFND	5	0	1,941	0
TRACTOR SUPPLY CO	COM	892356106	212	2,474	SH		DFND	5	0	2,474	0
TRAVELERS COMPANIES INC	COM	89417E109	759	7,394	SH		DFND	5	0	7,394	0
TRUIST FINL CORP	COM	89832Q109	2,927	89,907	SH		DFND	5	0	89,907	0
2U INC	COM	90214J101	257	11,324	SH		DFND	5	0	11,324	0
TYLER TECHNOLOGIES INC	COM	902252105	1,702	5,659	SH		DFND	5	0	5,659	0
US BANCORP DEL	COM NEW	902973304	498	13,885	SH		DFND	5	0	13,885	0
UBER TECHNOLOGIES INC	COM	90353T100	2,178	78,277	SH		DFND	5	0	78,277	0
UNILEVER PLC	SPON ADR NEW	904767704	2,446	48,368	SH		DFND	5	0	48,368	0
UNILEVER N V	N Y SHS NEW	904784709	1,305	26,922	SH		DFND	5	0	26,922	0
UNION PAC CORP	COM	907818108	2,215	15,801	SH		DFND	5	0	15,801	0
UNITED PARCEL SERVICE INC	CL B	911312106	4,022	41,105	SH		DFND	5	0	41,105	0
UNITED TECHNOLOGIES CORP	COM	913017109	1,834	18,626	SH		DFND	5	0	18,626	0
UNITEDHEALTH GROUP INC	COM	91324P102	9,159	36,445	SH		DFND	5	0	36,445	0
V F CORP	COM	918204108	540	9,040	SH		DFND	5	0	9,040	0
VALERO ENERGY CORP	COM	91913Y100	224	4,748	SH		DFND	5	0	4,748	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	5,617	53,341	SH		DFND	5	0	53,341	0
VANGUARD WORLD FD	EXTENDED DUR	921910709	992	5,842	SH		DFND	5	0	5,842	0
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	2,932	22,785	SH		DFND	5	0	22,785	0
VANGUARD BD INDEX FDS	LONG TERM BOND	921937793	615	5,753	SH		DFND	5	0	5,753	0
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	14,226	159,693	SH		DFND	5	0	159,693	0
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	17,331	211,478	SH		DFND	5	0	211,478	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	113,345	1,315,667	SH		DFND	5	0	1,315,667	0
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	2,189	65,373	SH		DFND	5	0	65,373	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	13,850	192,039	SH		DFND	5	0	192,039	0
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	8,430	107,783	SH		DFND	5	0	107,783	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	2,157	34,020	SH		DFND	5	0	34,020	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	63,550	1,544,726	SH		DFND	5	0	1,544,726	0
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	3,321	99,464	SH		DFND	5	0	99,464	0
VANGUARD WORLD FDS	CONSUM DIS ETF	92204A108	1,187	8,027	SH		DFND	5	0	8,027	0
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	730	5,200	SH		DFND	5	0	5,200	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	387	10,288	SH		DFND	5	0	10,288	0
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	1,062	20,318	SH		DFND	5	0	20,318	0
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	429	2,570	SH		DFND	5	0	2,570	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	2,954	13,667	SH		DFND	5	0	13,667	0
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	2,273	17,914	SH		DFND	5	0	17,914	0
VANGUARD WORLD FDS	COMM SRVC ETF	92204A884	348	4,542	SH		DFND	5	0	4,542	0
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	692	11,106	SH		DFND	5	0	11,106	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	2,201	27,915	SH		DFND	5	0	27,915	0
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	605	8,592	SH		DFND	5	0	8,592	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	3,538	40,792	SH		DFND	5	0	40,792	0
VEEVA SYS INC	CL A COM	922475108	1,289	8,163	SH		DFND	5	0	8,163	0
VENTAS INC	COM	92276F100	750	26,050	SH		DFND	5	0	26,050	0
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	1,440	17,307	SH		DFND	5	0	17,307	0
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	405	3,138	SH		DFND	5	0	3,138	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	3,483	48,658	SH		DFND	5	0	48,658	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	664	4,368	SH		DFND	5	0	4,368	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	1,382	15,358	SH		DFND	5	0	15,358	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	2,205	16,378	SH		DFND	5	0	16,378	0
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	78,094	648,300	SH		DFND	5	0	648,300	0
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	34,504	377,092	SH		DFND	5	0	377,092	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	5,966	37,543	SH		DFND	5	0	37,543	0
VANGUARD INDEX FDS	VALUE ETF	922908744	18,753	206,513	SH		DFND	5	0	206,513	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	894	7,656	SH		DFND	5	0	7,656	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	12,445	95,159	SH		DFND	5	0	95,159	0
VERIZON COMMUNICATIONS INC	COM	92343V104	10,527	192,204	SH		DFND	5	0	192,204	0
VERISK ANALYTICS INC	COM	92345Y106	1,440	9,806	SH		DFND	5	0	9,806	0
VISA INC	COM CL A	92826C839	24,734	149,385	SH		DFND	5	0	149,385	0
VODAFONE GROUP PLC NEW	SPONSORED ADR	92857W308	664	46,934	SH		DFND	5	0	46,934	0
WD-40 CO	COM	929236107	495	2,472	SH		DFND	5	0	2,472	0
WNS HOLDINGS LTD	SPON ADR	92932M101	254	5,604	SH		DFND	5	0	5,604	0
WP CAREY INC	COM	92936U109	494	8,333	SH		DFND	5	0	8,333	0
WPP PLC NEW	ADR	92937A102	215	6,730	SH		DFND	5	0	6,730	0
WEC ENERGY GROUP INC	COM	92939U106	273	2,976	SH		DFND	5	0	2,976	0
WALMART INC	COM	931142103	3,131	27,182	SH		DFND	5	0	27,182	0
WALGREENS BOOTS ALLIANCE INC	COM	931427108	950	21,026	SH		DFND	5	0	21,026	0
WASTE MGMT INC DEL	COM	94106L109	1,062	11,228	SH		DFND	5	0	11,228	0
WATSCO INC	COM	942622200	514	3,301	SH		DFND	5	0	3,301	0
WELLS FARGO CO NEW	COM	949746101	4,527	151,311	SH		DFND	5	0	151,311	0
WEST PHARMACEUTICAL SVSC INC	COM	955306105	1,280	8,431	SH		DFND	5	0	8,431	0
WISDOMTREE TR	EMER MKT HIGH FD	97717W315	292	9,133	SH		DFND	5	0	9,133	0
WISDOMTREE TR	US MIDCAP DIVID	97717W505	449	18,191	SH		DFND	5	0	18,191	0
WISDOMTREE TR	US QLT SHRHD YLD	97717W547	610	9,212	SH		DFND	5	0	9,212	0
WISDOMTREE TR	EUROPE SMCP DV	97717W869	990	24,736	SH		DFND	5	0	24,736	0
XCEL ENERGY INC	COM	98389B100	423	6,765	SH		DFND	5	0	6,765	0
XYLEM INC	COM	98419M100	497	7,507	SH		DFND	5	0	7,507	0
YAMANA GOLD INC	COM	98462Y100	40	14,300	SH		DFND	5	0	14,300	0
YUM BRANDS INC	COM	988498101	213	3,016	SH		DFND	5	0	3,016	0
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	296	3,010	SH		DFND	5	0	3,010	0
ZOETIS INC	CL A	98978V103	1,937	16,599	SH		DFND	5	0	16,599	0
ZOMEDICA PHARMACEUTICALS COR	COM	98979F107	2	10,000	SH		DFND	5	0	10,000	0
ZTO EXPRESS CAYMAN INC	SPONSORED ADS A	98980A105	345	13,382	SH		DFND	5	0	13,382	0
ALLEGION PLC	ORD SHS	G0176J109	324	3,405	SH		DFND	5	0	3,405	0
AON PLC	SHS CL A	G0408V102	287	1,677	SH		DFND	5	0	1,677	0
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	835	4,916	SH		DFND	5	0	4,916	0
BROOKFIELD INFRAST PARTNERS	LP INT UNIT	G16252101	259	6,525	SH		DFND	5	0	6,525	0
COSAN LTD	SHS A	G25343107	257	21,426	SH		DFND	5	0	21,426	0
EATON CORP PLC	SHS	G29183103	808	10,321	SH		DFND	5	0	10,321	0
GENPACT LIMITED	SHS	G3922B107	780	27,354	SH		DFND	5	0	27,354	0
ICON PLC	SHS	G4705A100	504	3,585	SH		DFND	5	0	3,585	0
IHS MARKIT LTD	SHS	G47567105	1,024	16,559	SH		DFND	5	0	16,559	0
INVESCO LTD	SHS	G491BT108	206	21,512	SH		DFND	5	0	21,512	0
JOHNSON CTLS INTL PLC	SHS	G51502105	835	31,531	SH		DFND	5	0	31,531	0
LINDE PLC	SHS	G5494J103	1,502	8,497	SH		DFND	5	0	8,497	0
MARVELL TECHNOLOGY GROUP LTD	ORD	G5876H105	231	10,179	SH		DFND	5	0	10,179	0
MEDTRONIC PLC	SHS	G5960L103	1,049	11,396	SH		DFND	5	0	11,396	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	236	2,802	SH		DFND	5	0	2,802	0
CHUBB LIMITED	COM	H1467J104	1,687	14,798	SH		DFND	5	0	14,798	0
UBS GROUP AG	SHS	H42097107	177	18,634	SH		DFND	5	0	18,634	0
GLOBANT S A	COM	L44385109	1,071	12,056	SH		DFND	5	0	12,056	0
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	387	1,445	SH		DFND	5	0	1,445	0
NXP SEMICONDUCTORS N V	COM	N6596X109	927	10,913	SH		DFND	5	0	10,913	0