Gallagher Fiduciary 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
3M CO	COM	88579Y101	2,585,318	25,824	SH		DFND	1,2	0	0	25,824
ABBVIE INC	COM	00287Y109	431,889	3,205	SH		DFND	1,2	0	0	3,205
ADVANCED MICRO DEVICES INC	COM	007903107	287,511	2,524	SH		DFND	1,2	0	0	2,524
ALPHABET INC	CAP STK CL A	02079K305	252,447	2,109	SH		DFND	1,2	0	0	2,109
ALPHABET INC	CAP STK CL C	02079K107	467,670	3,866	SH		DFND	1,2	0	0	3,866
AMAZON COM INC	COM	023135106	2,637,313	20,231	SH		DFND	1,2	0	0	20,231
AMERICAN ELEC PWR CO INC	COM	025537101	784,815	9,313	SH		DFND	1,2	0	0	9,313
APPLE INC	COM	037833100	4,184,209	21,568	SH		DFND	1,2	0	0	21,568
ARK ETF TR	INNOVATION ETF	00214Q104	291,598	6,606	SH		DFND	1,2	0	0	6,606
AT&T INC	COM	00206R102	864,719	54,219	SH		DFND	1,2	0	0	54,219
AURORA CANNABIS INC	COM	05156X884	26,420	49,420	SH		DFND	1,2	0	0	49,420
BANK MONTREAL MEDIUM	2X LEVERAGED	063679856	1,858,101	48,300	SH		DFND	1,2	0	0	48,300
BANK MONTREAL MEDIUM	MICROSECTORS FAN	063679534	217,351	1,161	SH		DFND	1,2	0	0	1,161
BANK MONTREAL MEDIUM	NT LKD 38	06368B504	355,166	10,561	SH		DFND	1,2	0	0	10,561
BARRICK GOLD CORP	COM	067901108	619,876	36,614	SH		DFND	1,2	0	0	36,614
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	316,448	928	SH		DFND	1,2	0	0	928
BLACKROCK MUNIHLDGS NJ QLTY	COM	09254X101	249,110	22,301	SH		DFND	1,2	0	0	22,301
BLOCK INC	CL A	852234103	240,318	3,610	SH		DFND	1,2	0	0	3,610
BOEING CO	COM	097023105	237,977	1,127	SH		DFND	1,2	0	0	1,127
CAPITAL GROUP GROWTH ETF	SHS CREATION UNI	14020G101	592,905	23,500	SH		DFND	1,2	0	0	23,500
CATERPILLAR INC	COM	149123101	281,343	1,142	SH		DFND	1,2	0	0	1,142
CBRE GROUP INC	CL A	12504L109	84,904,983	1,051,976	SH		DFND	1,2	0	0	1,051,976
CHARGEPOINT HOLDINGS INC	COM CL A	15961R105	235,133	26,750	SH		DFND	1,2	0	0	26,750
CHEVRON CORP NEW	COM	166764100	1,124,188	7,146	SH		DFND	1,2	0	0	7,146
CHIMERA INVT CORP	COM NEW	16934Q208	693,414	120,176	SH		DFND	1,2	0	0	120,176
CITIZENS FINL GROUP INC	COM	174610105	533,206	20,445	SH		DFND	1,2	0	0	20,445
CLEVELAND-CLIFFS INC NEW	COM	185899101	13,563,008	809,249	SH		DFND	1,2	0	0	809,249
COCA COLA CO	COM	191216100	766,389	12,719	SH		DFND	1,2	0	0	12,719
COSTCO WHSL CORP NEW	COM	22160K105	1,064,044	1,976	SH		DFND	1,2	0	0	1,976
CVS HEALTH CORP	COM	126650100	208,819	3,021	SH		DFND	1,2	0	0	3,021
DELTA AIR LINES INC DEL	COM NEW	247361702	272,522,389	5,732,486	SH		DFND	1,2	0	5,731,120	1,366
DISNEY WALT CO	COM	254687106	617,000	6,911	SH		DFND	1,2	0	0	6,911
DOLLAR GEN CORP NEW	COM	256677105	282,405	1,663	SH		DFND	1,2	0	0	1,663
DOMINION ENERGY INC	COM	25746U109	1,421,895	27,450	SH		DFND	1,2	0	0	27,450
DONALDSON INC	COM	257651109	521,646	8,345	SH		DFND	1,2	0	0	8,345
EATON CORP PLC	SHS	G29183103	856,309	4,254	SH		DFND	1,2	0	0	4,254
EDISON INTL	COM	281020107	720,864	10,374	SH		DFND	1,2	0	0	10,374
EMERSON ELEC CO	COM	291011104	824,136	9,119	SH		DFND	1,2	0	0	9,119
ETF MANAGERS TR	ETFMG ALTR HRVST	26924G508	44,701	14,950	SH		DFND	1,2	0	0	14,950
EXXON MOBIL CORP	COM	30231G102	1,885,302	17,581	SH		DFND	1,2	0	0	17,581
FAIR ISAAC CORP	COM	303250104	291,316	360	SH		DFND	1,2	0	0	360
FASTENAL CO	COM	311900104	261,986	4,441	SH		DFND	1,2	0	0	4,441
FIDELITY COVINGTON TRUST	DIVID ETF RISI	316092832	214,540	5,140	SH		DFND	1,2	0	0	5,140
FIDELITY NATIONAL FINANCIAL	FNF GROUP COM	31620R303	685,291	19,037	SH		DFND	1,2	0	0	19,037
FIRST TR EXCHANGE TRADED FD	WTR ETF	33733B100	282,273	3,187	SH		DFND	1,2	0	0	3,187
FIRST TR EXCHANGE-TRADED FD	RISNG DIVD ACHIV	33738R506	310,128	6,584	SH		DFND	1,2	0	0	6,584
FIRST TR EXCHNG TRADED FD VI	CBOE VEST US EQT	33740F631	1,327,802	40,618	SH		DFND	1,2	0	0	40,618
FIRST TR EXCHNG TRADED FD VI	FT CBOE US EQ MD	33740F458	313,621	10,094	SH		DFND	1,2	0	0	10,094
FIRST TR EXCHNG TRADED FD VI	FT CBOE VEST BFR	33740F623	3,528,029	94,865	SH		DFND	1,2	0	0	94,865
FIRST TR EXCHNG TRADED FD VI	FT CBOE VEST US	33740F482	227,557	7,157	SH		DFND	1,2	0	0	7,157
FIRST TR EXCHNG TRADED FD VI	VEST US EQTY BUF	33740F664	328,966	8,717	SH		DFND	1,2	0	0	8,717
FIRST TR MULTI CAP GROWTH AL	COM SHS	33733F101	5,102,985	48,359	SH		DFND	1,2	0	0	48,359
FORD MTR CO DEL	COM	345370860	728,615	48,157	SH		DFND	1,2	0	0	48,157
FRANKLIN RESOURCES INC	COM	354613101	45,316,985	1,696,630	SH		DFND	1,2	0	1,696,580	50
FS KKR CAP CORP	COM	302635206	1,913,486	99,764	SH		DFND	1,2	0	0	99,764
GENERAL MLS INC	COM	370334104	203,359	2,652	SH		DFND	1,2	0	0	2,652
GOLDMAN SACHS ETF TR	ACTIVEBETA US LG	381430503	1,189,861	13,629	SH		DFND	1,2	0	0	13,629
HOME DEPOT INC	COM	437076102	396,832	1,277	SH		DFND	1,2	0	0	1,277
HONEYWELL INTL INC	COM	438516106	803,243	3,871	SH		DFND	1,2	0	0	3,871
INTEL CORP	COM	458140100	290,384	8,684	SH		DFND	1,2	0	0	8,684
INVESCO EXCHANGE TRADED FD T	S&P 500 TOP 50	46137V233	336,790	963	SH		DFND	1,2	0	0	963
INVESCO QQQ TR	UNIT SER 1	46090E103	416,127	1,123	SH		DFND	1,2	0	0	1,123
ISHARES INC	CORE MSCI EMKT	46434G103	19,306,657	391,699	SH		DFND	1,2	0	0	391,699
ISHARES SILVER TR	ISHARES	46428Q109	253,960	12,157	SH		DFND	1,2	0	0	12,157
ISHARES TR	0-5YR HI YL CP	46434V407	26,791,782	646,358	SH		DFND	1,2	0	0	646,358
ISHARES TR	1 3 YR TREAS BD	464287457	1,023,230	12,622	SH		DFND	1,2	0	0	12,622
ISHARES TR	10+ YR INVST GRD	464289511	210,376	4,081	SH		DFND	1,2	0	0	4,081
ISHARES TR	10-20 YR TRS ETF	464288653	312,061	2,818	SH		DFND	1,2	0	0	2,818
ISHARES TR	CORE 1 5 YR USD	46432F859	207,326	4,445	SH		DFND	1,2	0	0	4,445
ISHARES TR	CORE DIV GRWTH	46434V621	20,252,845	393,016	SH		DFND	1,2	0	0	393,016
ISHARES TR	CORE HIGH DV ETF	46429B663	7,893,760	78,319	SH		DFND	1,2	0	0	78,319
ISHARES TR	CORE MSCI EAFE	46432F842	27,839,868	412,438	SH		DFND	1,2	0	0	412,438
ISHARES TR	CORE S&P MCP ETF	464287507	260,886	998	SH		DFND	1,2	0	0	998
ISHARES TR	CORE S&P SCP ETF	464287804	429,757	4,313	SH		DFND	1,2	0	0	4,313
ISHARES TR	CORE S&P TTL STK	464287150	796,256	8,138	SH		DFND	1,2	0	0	8,138
ISHARES TR	CORE S&P US GWT	464287671	16,683,050	170,863	SH		DFND	1,2	0	0	170,863
ISHARES TR	CORE S&P US VLU	464287663	32,019,902	409,123	SH		DFND	1,2	0	0	409,123
ISHARES TR	CORE S&P500 ETF	464287200	1,842,063	4,131	SH		DFND	1,2	0	0	4,131
ISHARES TR	CORE TOTAL USD	46434V613	6,528,659	143,581	SH		DFND	1,2	0	0	143,581
ISHARES TR	CORE US AGGBD ET	464287226	31,472,768	321,300	SH		DFND	1,2	0	0	321,300
ISHARES TR	EAFE GRWTH ETF	464288885	220,302	2,309	SH		DFND	1,2	0	0	2,309
ISHARES TR	EAFE VALUE ETF	464288877	623,256	12,736	SH		DFND	1,2	0	0	12,736
ISHARES TR	GLOBAL TECH ETF	464287291	231,347	3,720	SH		DFND	1,2	0	0	3,720
ISHARES TR	GRWT ALLOCAT ETF	464289867	324,551	6,308	SH		DFND	1,2	0	0	6,308
ISHARES TR	ISHARES SEMICDTR	464287523	303,341	598	SH		DFND	1,2	0	0	598
ISHARES TR	ISHS 1-5YR INVS	464288646	18,721,459	373,162	SH		DFND	1,2	0	0	373,162
ISHARES TR	MRGSTR SM CP GR	464288604	13,991,810	337,883	SH		DFND	1,2	0	0	337,883
ISHARES TR	MSCI EAFE ETF	464287465	225,847	3,115	SH		DFND	1,2	0	0	3,115
ISHARES TR	MSCI USA MIN VOL	46429B697	3,032,238	40,793	SH		DFND	1,2	0	0	40,793
ISHARES TR	MSCI USA MMENTM	46432F396	3,202,023	22,196	SH		DFND	1,2	0	0	22,196
ISHARES TR	MSCI USA QLT FCT	46432F339	469,907	3,484	SH		DFND	1,2	0	0	3,484
ISHARES TR	NATIONAL MUN ETF	464288414	561,567	5,262	SH		DFND	1,2	0	0	5,262
ISHARES TR	RUS 1000 GRW ETF	464287614	605,121	2,199	SH		DFND	1,2	0	0	2,199
ISHARES TR	RUS 2000 GRW ETF	464287648	327,282	1,349	SH		DFND	1,2	0	0	1,349
ISHARES TR	RUS 2000 VAL ETF	464287630	656,515	4,662	SH		DFND	1,2	0	0	4,662
ISHARES TR	S&P 500 GRWT ETF	464287309	237,747	3,373	SH		DFND	1,2	0	0	3,373
ISHARES TR	S&P 500 VAL ETF	464287408	695,960	4,318	SH		DFND	1,2	0	0	4,318
ISHARES TR	SELECT DIVID ETF	464287168	223,435	1,972	SH		DFND	1,2	0	0	1,972
ISHARES TR	SHORT TREAS BD	464288679	1,749,947	15,795	SH		DFND	1,2	0	0	15,795
ISHARES TR	SP SMCP600VL ETF	464287879	297,409	3,127	SH		DFND	1,2	0	0	3,127
ISHARES TR	U.S. FIN SVC ETF	464287770	231,068	1,462	SH		DFND	1,2	0	0	1,462
ISHARES TR	U.S. MED DVC ETF	464288810	240,364	4,253	SH		DFND	1,2	0	0	4,253
ISHARES TR	U.S. REAL ES ETF	464287739	326,324	3,771	SH		DFND	1,2	0	0	3,771
ISHARES TR	U.S. TECH ETF	464287721	1,318,399	12,113	SH		DFND	1,2	0	0	12,113
ISHARES TR	US HLTHCARE ETF	464287762	810,278	2,891	SH		DFND	1,2	0	0	2,891
ISHARES TR	US HOME CONS ETF	464288752	540,136	6,322	SH		DFND	1,2	0	0	6,322
ISHARES U S ETF TR	INT RT HDG C B	46431W705	7,328,627	78,839	SH		DFND	1,2	0	0	78,839
J P MORGAN EXCHANGE TRADED F	BETABUILDERS CDA	46641Q225	233,773	3,815	SH		DFND	1,2	0	0	3,815
J P MORGAN EXCHANGE TRADED F	EQUITY PREMIUM	46641Q332	629,648	11,381	SH		DFND	1,2	0	0	11,381
J P MORGAN EXCHANGE TRADED F	NASDAQ EQT PREM	46654Q203	268,712	5,555	SH		DFND	1,2	0	0	5,555
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	275,947	5,503	SH		DFND	1,2	0	0	5,503
JOBY AVIATION INC	COMMON STOCK	G65163100	522,234	50,900	SH		DFND	1,2	0	0	50,900
JOHNSON & JOHNSON	COM	478160104	358,968	2,168	SH		DFND	1,2	0	0	2,168
JPMORGAN CHASE & CO	COM	46625H100	1,109,031	7,619	SH		DFND	1,2	0	0	7,619
KINDER MORGAN INC DEL	COM	49456B101	541,368	31,438	SH		DFND	1,2	0	0	31,438
LISTED FD TR	STF TACTICAL GRW	53656F151	532,109	19,215	SH		DFND	1,2	0	0	19,215
LITMAN GREGORY FDS TR	IMGP DBI MANAGED	53700T827	494,407	17,893	SH		DFND	1,2	0	0	17,893
LYONDELLBASELL INDUSTRIES N	SHS - A -	N53745100	713,132	7,761	SH		DFND	1,2	0	0	7,761
MANULIFE FINL CORP	COM	56501R106	722,688	38,217	SH		DFND	1,2	0	0	38,217
MASTERCARD INCORPORATED	CL A	57636Q104	603,553	1,534	SH		DFND	1,2	0	0	1,534
MCDONALDS CORP	COM	580135101	1,197,692	4,011	SH		DFND	1,2	0	0	4,011
MCKESSON CORP	COM	58155Q103	299,117	700	SH		DFND	1,2	0	0	700
MEDICAL PPTYS TRUST INC	COM	58463J304	708,926	76,558	SH		DFND	1,2	0	0	76,558
MERCK & CO INC	COM	58933Y105	945,978	8,192	SH		DFND	1,2	0	0	8,192
META PLATFORMS INC	CL A	30303M102	515,703	1,797	SH		DFND	1,2	0	0	1,797
MICRON TECHNOLOGY INC	COM	595112103	256,715	4,068	SH		DFND	1,2	0	0	4,068
MICROSOFT CORP	COM	594918104	2,280,899	6,694	SH		DFND	1,2	0	0	6,694
MP MATERIALS CORP	COM CL A	553368101	315,744	13,800	SH		DFND	1,2	0	0	13,800
NATIONAL GRID PLC	SPONSORED ADR NE	636274409	698,409	10,367	SH		DFND	1,2	0	0	10,367
NEWMARKET CORP	COM	651587107	442,332	1,100	SH		DFND	1,2	0	0	1,100
NIO INC	SPON ADS	62914V106	895,356	92,400	SH		DFND	1,2	0	0	92,400
NUVEEN CR STRATEGIES INCOME	COM SHS	67073D102	622,584	123,284	SH		DFND	1,2	0	0	123,284
NUVEEN FLOATING RATE INCOME	COM	67072T108	750,126	95,073	SH		DFND	1,2	0	0	95,073
NUVEEN REAL ASSET INCOME & G	COM	67074Y105	125,547	10,993	SH		DFND	1,2	0	0	10,993
NVIDIA CORPORATION	COM	67066G104	740,400	1,750	SH		DFND	1,2	0	0	1,750
ORACLE CORP	COM	68389X105	292,599	2,457	SH		DFND	1,2	0	0	2,457
PACER FDS TR	LUNT LRGCP MULTI	69374H816	3,232,051	84,665	SH		DFND	1,2	0	0	84,665
PACER FDS TR	TRENDPILOT US BD	69374H642	613,644	30,700	SH		DFND	1,2	0	0	30,700
PACER FDS TR	WEALTHSHIELD	69374H840	323,766	11,811	SH		DFND	1,2	0	0	11,811
PALANTIR TECHNOLOGIES INC	CL A	69608A108	157,899	10,300	SH		DFND	1,2	0	0	10,300
PAYCHEX INC	COM	704326107	676,256	6,040	SH		DFND	1,2	0	0	6,040
PEPSICO INC	COM	713448108	834,134	4,499	SH		DFND	1,2	0	0	4,499
PFIZER INC	COM	717081103	720,091	19,627	SH		DFND	1,2	0	0	19,627
PG&E CORP	COM	69331C108	414,181,177	23,968,818	SH		DFND	1,2	0	23,968,768	50
PHILLIPS EDISON & CO INC	COMMON STOCK	71844V201	231,744	6,800	SH		DFND	1,2	0	0	6,800
PIMCO ETF TR	ENHAN SHRT MA AC	72201R833	586,888	5,883	SH		DFND	1,2	0	0	5,883
PIMCO INCOME STRATEGY FD	COM	72201H108	3,644,524	444,996	SH		DFND	1,2	0	0	444,996
PLUG POWER INC	COM NEW	72919P202	432,224	41,600	SH		DFND	1,2	0	0	41,600
POLESTAR AUTOMOTIVE HLDG UK	ADS A	731105201	148,980	39,000	SH		DFND	1,2	0	0	39,000
POOL CORP	COM	73278L105	290,704	776	SH		DFND	1,2	0	0	776
PROCTER AND GAMBLE CO	COM	742718109	1,090,080	7,179	SH		DFND	1,2	0	0	7,179
PROSHARES TR	EQTS FOR RISIN	74347B391	610,254	12,391	SH		DFND	1,2	0	0	12,391
PROSHARES TR	S&P 500 DV ARIST	74348A467	221,935	2,354	SH		DFND	1,2	0	0	2,354
PROSHARES TR	ULTRPRO S&P500	74347X864	1,049,223	22,144	SH		DFND	1,2	0	0	22,144
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	481,151	4,912	SH		DFND	1,2	0	0	4,912
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	320,485	7,317	SH		DFND	1,2	0	0	7,317
SELECT SECTOR SPDR TR	COMMUNICATION	81369Y852	995,423	15,296	SH		DFND	1,2	0	0	15,296
SELECT SECTOR SPDR TR	ENERGY	81369Y506	619,024	7,620	SH		DFND	1,2	0	0	7,620
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	1,453,877	43,126	SH		DFND	1,2	0	0	43,126
SELECT SECTOR SPDR TR	RL EST SEL SEC	81369Y860	308,725	8,192	SH		DFND	1,2	0	0	8,192
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	1,753,970	10,326	SH		DFND	1,2	0	0	10,326
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	1,717,917	23,162	SH		DFND	1,2	0	0	23,162
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	1,861,325	14,022	SH		DFND	1,2	0	0	14,022
SELECT SECTOR SPDR TR	SBI INT-INDS	81369Y704	1,330,459	12,400	SH		DFND	1,2	0	0	12,400
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	366,366	5,603	SH		DFND	1,2	0	0	5,603
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	353,046	4,259	SH		DFND	1,2	0	0	4,259
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	4,331,826	24,917	SH		DFND	1,2	0	0	24,917
SHELL PLC	SPON ADS	780259305	891,208	14,754	SH		DFND	1,2	0	0	14,754
SIMON PPTY GROUP INC NEW	COM	828806109	744,667	6,444	SH		DFND	1,2	0	0	6,444
SMUCKER J M CO	COM NEW	832696405	700,698	4,740	SH		DFND	1,2	0	0	4,740
SONOCO PRODS CO	COM	835495102	694,716	11,763	SH		DFND	1,2	0	0	11,763
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	276,632	805	SH		DFND	1,2	0	0	805
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,019,348	2,299	SH		DFND	1,2	0	0	2,299
SPDR SER TR	BBG CONV SEC ETF	78464A359	1,161,286	16,602	SH		DFND	1,2	0	0	16,602
SPDR SER TR	PORTFOLIO AGRGTE	78464A649	265,132	10,452	SH		DFND	1,2	0	0	10,452
SPDR SER TR	PORTFOLIO SH TSR	78468R101	354,884	12,326	SH		DFND	1,2	0	0	12,326
STARBOARD INVT TR	ADAPTIVE ALPHA	85521B742	777,779	33,195	SH		DFND	1,2	0	0	33,195
STARBOARD INVT TR	RH HEDGED MULTI	85521B783	13,272,038	1,713,097	SH		DFND	1,2	0	0	1,713,097
STARBOARD INVT TR	RH TACTICAL OUTL	85521B759	2,510,924	186,160	SH		DFND	1,2	0	0	186,160
STARBOARD INVT TR	RH TACTICAL ROT	85521B775	691,861	54,999	SH		DFND	1,2	0	0	54,999
STERIS PLC	SHS USD	G8473T100	264,904	1,177	SH		DFND	1,2	0	0	1,177
SYNOPSYS INC	COM	871607107	702,316	1,613	SH		DFND	1,2	0	0	1,613
TARGET CORP	COM	87612E106	647,573	4,909	SH		DFND	1,2	0	0	4,909
TELLURIAN INC NEW	COM	87968A104	21,150	15,000	SH		DFND	1,2	0	0	15,000
TESLA INC	COM	88160R101	1,262,517	4,823	SH		DFND	1,2	0	0	4,823
THERMO FISHER SCIENTIFIC INC	COM	883556102	436,399	835	SH		DFND	1,2	0	0	835
TOYOTA MOTOR CORP	ADS	892331307	800,733	4,977	SH		DFND	1,2	0	0	4,977
TRUIST FINL CORP	COM	89832Q109	610,439	20,107	SH		DFND	1,2	0	0	20,107
UNITED AIRLS HLDGS INC	COM	910047109	200,276	3,650	SH		DFND	1,2	0	0	3,650
UNITED PARCEL SERVICE INC	CL B	911312106	729,067	4,062	SH		DFND	1,2	0	0	4,062
UNITEDHEALTH GROUP INC	COM	91324P102	1,031,715	2,144	SH		DFND	1,2	0	0	2,144
US BANCORP DEL	COM NEW	902973304	223,450	6,763	SH		DFND	1,2	0	0	6,763
VANECK ETF TRUST	MRNGSTR INT MOAT	92189F593	328,025	10,338	SH		DFND	1,2	0	0	10,338
VANGUARD ADMIRAL FDS INC	MIDCP 400 IDX	921932885	247,423	2,794	SH		DFND	1,2	0	0	2,794
VANGUARD ADMIRAL FDS INC	SMLCP 600 VAL	921932778	26,752,832	325,813	SH		DFND	1,2	0	0	325,813
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	232,891	3,204	SH		DFND	1,2	0	0	3,204
VANGUARD INDEX FDS	GROWTH ETF	922908736	8,795,098	31,015	SH		DFND	1,2	0	0	31,015
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	371,837	913	SH		DFND	1,2	0	0	913
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	30,899,713	186,823	SH		DFND	1,2	0	0	186,823
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	13,873,935	60,361	SH		DFND	1,2	0	0	60,361
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	557,033	2,528	SH		DFND	1,2	0	0	2,528
VANGUARD INDEX FDS	VALUE ETF	922908744	16,361,858	115,139	SH		DFND	1,2	0	0	115,139
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	216,846	1,335	SH		DFND	1,2	0	0	1,335
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	284,884	6,169	SH		DFND	1,2	0	0	6,169
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	357,405	3,370	SH		DFND	1,2	0	0	3,370
VERIZON COMMUNICATIONS INC	COM	92343V104	1,288,576	34,649	SH		DFND	1,2	0	0	34,649
WALGREENS BOOTS ALLIANCE INC	COM	931427108	581,819	20,425	SH		DFND	1,2	0	0	20,425
WALMART INC	COM	931142103	920,835	5,855	SH		DFND	1,2	0	0	5,855
WELLS FARGO CO NEW	COM	949746101	902,142	21,132	SH		DFND	1,2	0	0	21,132
WELLTOWER INC	COM	95040Q104	707,446	8,740	SH		DFND	1,2	0	0	8,740
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	456,642	15,861	SH		DFND	1,2	0	0	15,861
XCEL ENERGY INC	COM	98389B100	889,404	14,307	SH		DFND	1,2	0	0	14,307
XPEL INC	COM	98379L100	218,972	2,600	SH		DFND	1,2	0	0	2,600