Personal Cfo Solutions 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
BRISTOL MYERS SQUIBB CO	COM	110122108	756	14,916	SH		DFND		0	0	14,916
BRISTOL MYERS SQUIBB CO	COM	110122108	983	19,390	SH		SOLE		0	0	19,390
CBS CORP NEW	CL B	124857202	485	12,007	SH		DFND		0	0	12,007
CNA FINL CORP	COM	126117100	675	13,697	SH		SOLE		0	0	13,697
CARMAX INC	COM	143130102	261	2,969	SH		DFND		0	0	2,969
CELGENE CORP	COM	151020104	629	6,337	SH		DFND		0	0	6,337
CHEMOURS CO	COM	163851108	480	31,493	SH		DFND		0	0	31,493
CHEVRON CORP NEW	COM	166764100	557	3,820	SH		DFND		0	0	3,820
CHEVRON CORP NEW	COM	166764100	642	5,516	SH		SOLE		0	0	5,516
CHIPOTLE MEXICAN GRILL INC	COM	169656105	245	292	SH		DFND		0	0	292
COCA COLA CO	COM	191216100	216	3,971	SH		SOLE		0	0	3,971
COMPANHIA ENERGETICA DE MINA	SP ADR N-V PFD	204409601	135	39,895	SH		DFND		0	0	39,895
CONSOLIDATED EDISON INC	COM	209115104	491	4,192	SH		DFND		0	0	4,192
CUMMINS INC	COM	231021106	472	2,359	SH		DFND		0	0	2,359
CYPRESS SEMICONDUCTOR CORP	COM	232806109	493	21,132	SH		DFND		0	0	21,132
DBX ETF TR	XTRACK MSCI EAFE	233051200	1,182	36,563	SH		SOLE		0	0	36,563
DBX ETF TR	XTRACK USD HIGH	233051432	419	8,319	SH		DFND		0	0	8,319
DANAHER CORPORATION	COM	235851102	200	1,390	SH		DFND		0	0	1,390
DELTA AIR LINES INC DEL	COM NEW	247361702	243	4,222	SH		DFND		0	0	4,222
DOLLAR GEN CORP NEW	COM	256677105	1,052	6,600	SH		DFND		0	0	6,600
EDAP TMS S A	SPONSORED ADR	268311107	52	11,500	SH		SOLE		0	0	11,500
EASTMAN CHEMICAL CO	COM	277432100	431	4,679	SH		DFND		0	0	4,679
EMERSON ELEC CO	COM	291011104	440	5,309	SH		DFND		0	0	5,309
EMERSON ELEC CO	COM	291011104	234	3,500	SH		SOLE		0	0	3,500
ENCANA CORP	COM	292505104	46	10,075	SH		DFND		0	0	10,075
ENTERPRISE PRODS PARTNERS L	COM	293792107	314	11,000	SH		SOLE		0	0	11,000
FNB CORP PA	COM	302520101	419	28,469	SH		DFND		0	0	28,469
FIDELITY COVINGTON TR	CONSMR STAPLES	316092303	3,956	108,245	SH		SOLE		0	0	108,245
FIDELITY COVINGTON TR	MSCI ENERGY IDX	316092402	3,055	194,114	SH		SOLE		0	0	194,114
FIDELITY COVINGTON TR	MSCI HLTH CARE I	316092600	1,258	29,010	SH		DFND		0	0	29,010
FIDELITY COVINGTON TR	MSCI HLTH CARE I	316092600	4,215	97,191	SH		SOLE		0	0	97,191
FIDELITY COVINGTON TR	MSCI INDL INDX	316092709	1,318	33,076	SH		DFND		0	0	33,076
FIDELITY COVINGTON TR	MSCI INDL INDX	316092709	4,152	104,165	SH		SOLE		0	0	104,165
FIDELITY COVINGTON TR	MSCI INFO TECH I	316092808	220	3,642	SH		SOLE		0	0	3,642
FIDELITY COVINGTON TR	HIGH DIVID ETF	316092840	1,305	42,600	SH		SOLE		0	0	42,600
FIDELITY COVINGTON TR	MSCI MATLS INDEX	316092881	1,286	39,785	SH		DFND		0	0	39,785
FISERV INC	COM	337738108	238	2,292	SH		DFND		0	0	2,292
FLOWERS FOODS INC	COM	343498101	425	13,788	SH		DFND		0	0	13,788
FOOT LOCKER INC	COM	344849104	424	9,771	SH		DFND		0	0	9,771
GARTNER INC	COM	366651107	749	5,225	SH		DFND		0	0	5,225
GENERAL DYNAMICS CORP	COM	369550108	1,460	7,989	SH		SOLE		0	0	7,989
GENERAL ELECTRIC CO	COM	369604103	100	11,176	SH		SOLE		0	0	11,176
GENERAL MLS INC	COM	370334104	294	5,327	SH		DFND		0	0	5,327
GILEAD SCIENCES INC	COM	375558103	825	11,335	SH		DFND		0	0	11,335
GILEAD SCIENCES INC	COM	375558103	255	4,016	SH		SOLE		0	0	4,016
GOODYEAR TIRE & RUBR CO	COM	382550101	269	18,657	SH		DFND		0	0	18,657
HANESBRANDS INC	COM	410345102	527	28,589	SH		DFND		0	0	28,589
HARLEY DAVIDSON INC	COM	412822108	416	11,500	SH		DFND		0	0	11,500
HOLLYFRONTIER CORP	COM	436106108	383	7,133	SH		DFND		0	0	7,133
HOME DEPOT INC	COM	437076102	243	1,046	SH		SOLE		0	0	1,046
HONEYWELL INTL INC	COM	438516106	239	1,411	SH		SOLE		0	0	1,411
HUNTSMAN CORP	COM	447011107	423	14,700	SH		DFND		0	0	14,700
IDACORP INC	COM	451107106	521	4,627	SH		DFND		0	0	4,627
ILLUMINA INC	COM	452327109	243	800	SH		SOLE		0	0	800
INFOSYS LTD	SPONSORED ADR	456788108	239	20,990	SH		DFND		0	0	20,990
INTEL CORP	COM	458140100	251	4,873	SH		SOLE		0	0	4,873
INTERNATIONAL BUSINESS MACHS	COM	459200101	578	3,949	SH		DFND		0	0	3,949
INTERNATIONAL BUSINESS MACHS	COM	459200101	779	5,358	SH		SOLE		0	0	5,358
INTL PAPER CO	COM	460146103	386	9,237	SH		DFND		0	0	9,237
INTERPUBLIC GROUP COS INC	COM	460690100	420	15,126	SH		DFND		0	0	15,126
ISHARES INC	MSCI EURZONE ETF	464286608	418	10,805	SH		SOLE		0	0	10,805
ISHARES INC	MSCI PAC JP ETF	464286665	318	7,159	SH		SOLE		0	0	7,159
ISHARES TR	S&P 100 ETF	464287101	277	2,123	SH		SOLE		0	0	2,123
ISHARES TR	MRNGSTR LG-CP GR	464287119	407	2,124	SH		SOLE		0	0	2,124
ISHARES TR	CORE S&P500 ETF	464287200	2,852	9,633	SH		SOLE		0	0	9,633
ISHARES TR	S&P 500 GRWT ETF	464287309	1,146	6,400	SH		SOLE		0	0	6,400
ISHARES TR	S&P 500 VAL ETF	464287408	1,163	9,815	SH		SOLE		0	0	9,815
ISHARES TR	1 3 YR TREAS BD	464287457	1,117	13,166	SH		SOLE		0	0	13,166
ISHARES TR	MSCI EAFE ETF	464287465	742	11,382	SH		SOLE		0	0	11,382
ISHARES TR	RUS MID CAP ETF	464287499	307	5,484	SH		SOLE		0	0	5,484
ISHARES TR	CORE S&P MCP ETF	464287507	579	3,015	SH		SOLE		0	0	3,015
ISHARES TR	EXPANDED TECH	464287515	459	2,176	SH		SOLE		0	0	2,176
ISHARES TR	RUS 1000 VAL ETF	464287598	982	7,655	SH		SOLE		0	0	7,655
ISHARES TR	RUS 1000 GRW ETF	464287614	742	4,646	SH		SOLE		0	0	4,646
ISHARES TR	RUSSELL 2000 ETF	464287655	467	3,083	SH		SOLE		0	0	3,083
ISHARES TR	CORE S&P SCP ETF	464287804	912	11,756	SH		SOLE		0	0	11,756
ISHARES TR	MSCI ACWI EX US	464288240	283	6,152	SH		DFND		0	0	6,152
ISHARES TR	IBOXX HI YD ETF	464288513	1,662	19,010	SH		DFND		0	0	19,010
ISHARES TR	INTRM TR CRP ETF	464288638	664	11,462	SH		SOLE		0	0	11,462
JOHNSON & JOHNSON	COM	478160104	625	4,018	SH		DFND		0	0	4,018
JOHNSON & JOHNSON	COM	478160104	456	3,524	SH		SOLE		0	0	3,524
KELLOGG CO	COM	487836108	497	7,887	SH		DFND		0	0	7,887
KIMBERLY CLARK CORP	COM	494368103	617	4,311	SH		DFND		0	0	4,311
KIMBERLY CLARK CORP	COM	494368103	234	1,648	SH		SOLE		0	0	1,648
KOHLS CORP	COM	500255104	363	7,305	SH		DFND		0	0	7,305
KRANESHARES TR	CSI CHI INTERNET	500767306	464	11,219	SH		SOLE		0	0	11,219
L3HARRIS TECHNOLOGIES INC	COM	502431109	1,405	6,734	SH		SOLE		0	0	6,734
LAM RESEARCH CORP	COM	512807108	806	3,461	SH		DFND		0	0	3,461
LAS VEGAS SANDS CORP	COM	517834107	418	5,482	SH		DFND		0	0	5,482
LAUDER ESTEE COS INC	CL A	518439104	294	1,477	SH		DFND		0	0	1,477
LEGGETT & PLATT INC	COM	524660107	465	9,144	SH		DFND		0	0	9,144
LLOYDS BANKING GROUP PLC	SPONSORED ADR	539439109	107	40,443	SH		DFND		0	0	40,443
LOCKHEED MARTIN CORP	COM	539830109	233	598	SH		DFND		0	0	598
METTLER TOLEDO INTERNATIONAL	COM	592688105	689	977	SH		DFND		0	0	977
MICROSOFT CORP	COM	594918104	3,075	22,053	SH		DFND		0	0	22,053
MICROSOFT CORP	COM	594918104	816	5,869	SH		SOLE		0	0	5,869
MOTOROLA SOLUTIONS INC	COM NEW	620076307	235	1,377	SH		DFND		0	0	1,377
NRG ENERGY INC	COM NEW	629377508	449	11,344	SH		DFND		0	0	11,344
NICE LTD	SPONSORED ADR	653656108	276	1,916	SH		DFND		0	0	1,916
NIKE INC	CL B	654106103	1,185	12,589	SH		DFND		0	0	12,589
NORFOLK SOUTHERN CORP	COM	655844108	537	2,988	SH		SOLE		0	0	2,988
OLIN CORP	COM PAR $1	680665205	418	17,758	SH		DFND		0	0	17,758
OMNICOM GROUP INC	COM	681919106	912	10,309	SH		DFND		0	0	10,309
ONEOK INC NEW	COM	682680103	336	4,561	SH		DFND		0	0	4,561
PACKAGING CORP AMER	COM	695156109	504	4,748	SH		DFND		0	0	4,748
PACWEST BANCORP DEL	COM	695263103	414	8,798	SH		DFND		0	0	8,798
PFIZER INC	COM	717081103	598	13,725	SH		DFND		0	0	13,725
PHILIP MORRIS INTL INC	COM	718172109	245	3,228	SH		SOLE		0	0	3,228
PHILLIPS 66	COM	718546104	757	7,389	SH		DFND		0	0	7,389
PROCTER & GAMBLE CO	COM	742718109	256	2,055	SH		SOLE		0	0	2,055
PROGRESSIVE CORP OHIO	COM	743315103	303	3,928	SH		DFND		0	0	3,928
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	310	4,992	SH		SOLE		0	0	4,992
PULTE GROUP INC	COM	745867101	602	16,416	SH		DFND		0	0	16,416
RALPH LAUREN CORP	CL A	751212101	567	5,938	SH		DFND		0	0	5,938
REALTY INCOME CORP	COM	756109104	243	3,164	SH		SOLE		0	0	3,164
RESMED INC	COM	761152107	716	5,302	SH		DFND		0	0	5,302
SAP SE	SPON ADR	803054204	333	2,826	SH		DFND		0	0	2,826
SINCLAIR BROADCAST GROUP INC	CL A	829226109	412	7,057	SH		DFND		0	0	7,057
SMUCKER J M CO	COM NEW	832696405	440	3,117	SH		DFND		0	0	3,117
SOUTHERN CO	COM	842587107	534	8,648	SH		SOLE		0	0	8,648
SOUTHWEST AIRLS CO	COM	844741108	518	9,599	SH		DFND		0	0	9,599
STARBUCKS CORP	COM	855244109	1,216	13,733	SH		DFND		0	0	13,733
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	1,162	24,996	SH		DFND		0	0	24,996
TEXAS INSTRS INC	COM	882508104	216	1,646	SH		DFND		0	0	1,646
TYSON FOODS INC	CL A	902494103	675	7,835	SH		DFND		0	0	7,835
UGI CORP NEW	COM	902681105	426	6,517	SH		DFND		0	0	6,517
UMPQUA HLDGS CORP	COM	904214103	413	19,318	SH		DFND		0	0	19,318
UNITED MICROELECTRONICS CORP	SPON ADR NEW	910873405	30	14,130	SH		DFND		0	0	14,130
UNITED TECHNOLOGIES CORP	COM	913017109	291	2,129	SH		DFND		0	0	2,129
VANGUARD ADMIRAL FDS INC	MIDCP 400 GRTH	921932869	251	1,800	SH		SOLE		0	0	1,800
VANGUARD BD INDEX FD INC	INTERMED TERM	921937819	2,074	23,567	SH		SOLE		0	0	23,567
VANGUARD BD INDEX FD INC	SHORT TRM BOND	921937827	683	8,454	SH		SOLE		0	0	8,454
VANGUARD TAX MANAGED INTL FD	FTSE DEV MKT ETF	921943858	305	7,426	SH		SOLE		0	0	7,426
VANGUARD WHITEHALL FDS INC	HIGH DIV YLD	921946406	1,824	20,556	SH		SOLE		0	0	20,556
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	999	24,817	SH		SOLE		0	0	24,817
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	672	12,543	SH		SOLE		0	0	12,543
VANGUARD MUN BD FD INC	TAX EXEMPT BD	922907746	1,501	28,000	SH		SOLE		0	0	28,000
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	300	1,099	SH		SOLE		0	0	1,099
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	919	9,851	SH		SOLE		0	0	9,851
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	213	1,168	SH		SOLE		0	0	1,168
VANGUARD INDEX FDS	MID CAP ETF	922908629	295	1,758	SH		SOLE		0	0	1,758
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	887	6,506	SH		SOLE		0	0	6,506
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	682	5,867	SH		SOLE		0	0	5,867
VANGUARD INDEX FDS	SMALL CP ETF	922908751	389	2,530	SH		SOLE		0	0	2,530
WALGREENS BOOTS ALLIANCE INC	COM	931427108	318	5,751	SH		DFND		0	0	5,751
WATSCO INC	COM	942622200	444	2,061	SH		DFND		0	0	2,061
WELLS FARGO CO NEW	COM	949746101	230	4,563	SH		SOLE		0	0	4,563
WESTERN DIGITAL CORP	COM	958102105	1,125	18,769	SH		DFND		0	0	18,769
WESTERN UN CO	COM	959802109	595	25,582	SH		DFND		0	0	25,582
AES CORP	COM	00130H105	212	12,969	SH		DFND		0	0	12,969
ALPS ETF TR	SECTR DIV DOGS	00162Q858	385	8,773	SH		SOLE		0	0	8,773
AT&T INC	COM	00206R102	1,368	36,155	SH		SOLE		0	0	36,155
ARK ETF TR	INNOVATION ETF	00214Q104	661	15,406	SH		SOLE		0	0	15,406
ABBVIE INC	COM	00287Y109	209	2,766	SH		SOLE		0	0	2,766
ADOBE INC	COM	00724F101	1,563	5,641	SH		DFND		0	0	5,641
AKAMAI TECHNOLOGIES INC	COM	00971T101	245	2,686	SH		DFND		0	0	2,686
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	206	1,233	SH		DFND		0	0	1,233
ALLY FINL INC	COM	02005N100	261	7,878	SH		DFND		0	0	7,878
ALPHABET INC	CAP STK CL C	02079K107	1,764	1,443	SH		DFND		0	0	1,443
ALPHABET INC	CAP STK CL C	02079K107	1,786	1,465	SH		SOLE		0	0	1,465
ALPHABET INC	CAP STK CL A	02079K305	1,270	1,037	SH		DFND		0	0	1,037
ALPHABET INC	CAP STK CL A	02079K305	2,201	1,803	SH		SOLE		0	0	1,803
ALTRIA GROUP INC	COM	02209S103	477	8,870	SH		DFND		0	0	8,870
ALTRIA GROUP INC	COM	02209S103	291	7,124	SH		SOLE		0	0	7,124
AMBEV SA	SPONSORED ADR	02319V103	73	15,780	SH		DFND		0	0	15,780
ARCONIC INC	COM	03965L100	234	9,004	SH		DFND		0	0	9,004
AURORA CANNABIS INC	COM	05156X108	121	28,613	SH		SOLE		0	0	28,613
BANCO BILBAO VIZCAYA ARGENTA	SPONSORED ADR	05946K101	77	14,863	SH		DFND		0	0	14,863
BANCO SANTANDER SA	ADR	05964H105	61	15,133	SH		DFND		0	0	15,133
BOOKING HLDGS INC	COM	09857L108	612	316	SH		DFND		0	0	316
BRF SA	SPONSORED ADR	10552T107	138	15,051	SH		DFND		0	0	15,051
BROADCOM INC	COM	11135F101	624	2,264	SH		DFND		0	0	2,264
CVR ENERGY INC	COM	12662P108	420	7,569	SH		DFND		0	0	7,569
CARDINAL HEALTH INC	COM	14149Y108	497	10,440	SH		DFND		0	0	10,440
CENTRAIS ELETRICAS BRASILEIR	SPONSORED ADR	15234Q207	147	15,304	SH		DFND		0	0	15,304
CHEMED CORP NEW	COM	16359R103	201	483	SH		DFND		0	0	483
CISCO SYS INC	COM	17275R102	243	4,894	SH		DFND		0	0	4,894
COMCAST CORP NEW	CL A	20030N101	831	18,404	SH		DFND		0	0	18,404
COMCAST CORP NEW	CL A	20030N101	387	8,591	SH		SOLE		0	0	8,591
COMPANHIA SIDERURGICA NACION	SPONSORED ADR	20440W105	114	35,931	SH		DFND		0	0	35,931
CROWN CASTLE INTL CORP NEW	COM	22822V101	303	2,177	SH		DFND		0	0	2,177
D R HORTON INC	COM	23331A109	259	4,913	SH		DFND		0	0	4,913
DXC TECHNOLOGY CO	COM	23355L106	235	7,937	SH		DFND		0	0	7,937
DIAGEO P L C	SPON ADR NEW	25243Q205	243	1,485	SH		DFND		0	0	1,485
DUKE ENERGY CORP NEW	COM NEW	26441C204	482	5,030	SH		SOLE		0	0	5,030
ETF MANAGERS TR	PRIME CYBR SCRTY	26924G201	503	13,457	SH		SOLE		0	0	13,457
ENERGY TRANSFER LP	COM UT LTD PTN	29273V100	131	15,616	SH		SOLE		0	0	15,616
ENVIVA PARTNERS LP	COM UNIT	29414J107	256	8,000	SH		SOLE		0	0	8,000
EQUINIX INC	COM	29444U700	210	364	SH		DFND		0	0	364
EXELON CORP	COM	30161N101	436	6,892	SH		DFND		0	0	6,892
EXXON MOBIL CORP	COM	30231G102	518	5,880	SH		DFND		0	0	5,880
EXXON MOBIL CORP	COM	30231G102	1,164	16,486	SH		SOLE		0	0	16,486
FACEBOOK INC	CL A	30303M102	2,115	11,847	SH		DFND		0	0	11,847
FACEBOOK INC	CL A	30303M102	409	2,296	SH		SOLE		0	0	2,296
GALAPAGOS NV	SPON ADR	36315X101	245	1,603	SH		DFND		0	0	1,603
GLOBAL X FDS	RBTCS ARTFL INTE	37954Y715	237	11,833	SH		SOLE		0	0	11,833
GLOBAL X FDS	MILL THEMC ETF	37954Y764	263	10,595	SH		SOLE		0	0	10,595
GOL LINHAS AEREAS INTLG S A	SPON ADR PFD NEW	38045R206	169	10,940	SH		DFND		0	0	10,940
GOLD FIELDS LTD NEW	SPONSORED ADR	38059T106	165	33,613	SH		DFND		0	0	33,613
GOLDMAN SACHS GROUP INC	COM	38141G104	426	2,055	SH		SOLE		0	0	2,055
HDFC BANK LTD	SPONSORED ADS	40415F101	880	15,426	SH		DFND		0	0	15,426
HP INC	COM	40434L105	405	21,409	SH		DFND		0	0	21,409
HESS CORP	COM	42809H107	351	5,796	SH		SOLE		0	0	5,796
HILTON WORLDWIDE HLDGS INC	COM	43300A203	257	2,763	SH		DFND		0	0	2,763
INCYTE CORP	COM	45337C102	557	7,500	SH		SOLE		0	0	7,500
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	4,489	140,047	SH		SOLE		0	0	140,047
INNOVATOR ETFS TR	S&P 500 PWR BU	45782C680	3,327	132,168	SH		SOLE		0	0	132,168
INNOVATOR ETFS TR	S&P 500 BUFFER	45782C698	4,015	159,835	SH		SOLE		0	0	159,835
INNOVATOR ETFS TR	S&P 500 BUFETF	45782C771	988	39,742	SH		SOLE		0	0	39,742
INNOVATOR ETFS TR	S&P 500 PWRETF	45782C797	1,042	41,852	SH		SOLE		0	0	41,852
INVESCO EXCHANGE TRADED FD T	HIG YLD EQ DIV	46137V563	293	15,983	SH		SOLE		0	0	15,983
INVESCO EXCHANGE TRADED FD T	DYNMC SOFTWARE	46137V639	871	9,361	SH		SOLE		0	0	9,361
INVESCO EXCHANGE TRADED FD T	DYNMC LRG GWTH	46137V746	864	17,881	SH		SOLE		0	0	17,881
INVESCO EXCHNG TRADED FD TR	S&P500 LOW VOL	46138E354	675	11,655	SH		SOLE		0	0	11,655
INVESCO EXCHNG TRADED FD TR	S&P500 HDL VOL	46138E362	278	6,512	SH		SOLE		0	0	6,512
INVESCO EXCHNG TRADED FD TR	NATL AMT MUNI	46138E537	664	25,000	SH		SOLE		0	0	25,000
INVESCO EXCHNG TRADED FD TR	S&P SMLCP LOW	46138G102	471	9,626	SH		SOLE		0	0	9,626
INVESCO EXCHNG TRADED FD TR	SR LN ETF	46138G508	276	12,219	SH		DFND		0	0	12,219
ISHARES SILVER TRUST	ISHARES	46428Q109	366	23,000	SH		SOLE		0	0	23,000
ISHARES TR	CORE MSCI EAFE	46432F842	304	4,982	SH		SOLE		0	0	4,982
ISHARES INC	CORE MSCI EMKT	46434G103	410	8,390	SH		SOLE		0	0	8,390
ISHARES INC	MSCI JPN ETF NEW	46434G822	326	5,777	SH		SOLE		0	0	5,777
ISHARES TR	MSCI UK ETF NEW	46435G334	265	8,427	SH		SOLE		0	0	8,427
ISHARES TR	MSCI EAFE SMCP	46435G839	453	15,545	SH		SOLE		0	0	15,545
JPMORGAN CHASE & CO	COM	46625H100	213	1,808	SH		DFND		0	0	1,808
JPMORGAN CHASE & CO	COM	46625H100	615	5,225	SH		SOLE		0	0	5,225
KEYSIGHT TECHNOLOGIES INC	COM	49338L103	302	3,152	SH		DFND		0	0	3,152
KIMCO RLTY CORP	COM	49446R109	701	33,370	SH		DFND		0	0	33,370
MSCI INC	COM	55354G100	498	2,279	SH		DFND		0	0	2,279
MACYS INC	COM	55616P104	491	31,128	SH		DFND		0	0	31,128
MASTERCARD INC	CL A	57636Q104	1,505	5,526	SH		DFND		0	0	5,526
MAXIM INTEGRATED PRODS INC	COM	57772K101	420	5,631	SH		DFND		0	0	5,631
MCKESSON CORP	COM	58155Q103	499	3,652	SH		DFND		0	0	3,652
MCKESSON CORP	COM	58155Q103	1,110	8,124	SH		SOLE		0	0	8,124
MERCADOLIBRE INC	COM	58733R102	272	494	SH		DFND		0	0	494
MERCK & CO INC	COM	58933Y105	3,509	41,681	SH		SOLE		0	0	41,681
NIO INC	SPON ADS	62914V106	16	10,000	SH		SOLE		0	0	10,000
NETFLIX INC	COM	64110L106	384	1,455	SH		SOLE		0	0	1,455
NOVARTIS A G	SPONSORED ADR	66987V109	266	3,066	SH		DFND		0	0	3,066
O REILLY AUTOMOTIVE INC NEW	COM	67103H107	891	2,227	SH		DFND		0	0	2,227
OSI ETF TR	OSHARS FTSE US	67110P407	450	12,953	SH		DFND		0	0	12,953
ORACLE CORP	COM	68389X105	809	14,639	SH		DFND		0	0	14,639
PAYPAL HLDGS INC	COM	70450Y103	975	9,404	SH		DFND		0	0	9,404
PIMCO ETF TR	0-5 HIGH YIELD	72201R783	277	2,781	SH		DFND		0	0	2,781
POOL CORPORATION	COM	73278L105	232	1,151	SH		DFND		0	0	1,151
PRICE T ROWE GROUP INC	COM	74144T108	251	2,194	SH		DFND		0	0	2,194
PRINCIPAL FINL GROUP INC	COM	74251V102	469	6,564	SH		DFND		0	0	6,564
PROSHARES TR	S&P MDCP 400 DIV	74347B680	552	9,510	SH		SOLE		0	0	9,510
PROSHARES TR	HD REPLICATION	74347X294	3,692	81,471	SH		SOLE		0	0	81,471
PROSHARES TR	S&P 500 DV ARIST	74348A467	1,018	14,227	SH		SOLE		0	0	14,227
REGENERON PHARMACEUTICALS	COM	75886F107	480	1,730	SH		DFND		0	0	1,730
SPDR S&P 500 ETF TR	TR UNIT	78462F103	12,806	43,151	SH		DFND		0	0	43,151
SPDR S&P 500 ETF TR	TR UNIT	78462F103	2,928	10,146	SH		SOLE		0	0	10,146
SPDR INDEX SHS FDS	EURO STOXX 50	78463X202	784	20,772	SH		SOLE		0	0	20,772
SPDR SERIES TRUST	AEROSPACE DEF	78464A631	200	1,876	SH		SOLE		0	0	1,876
SPDR SERIES TRUST	S&P 400 MDCP GRW	78464A821	370	6,880	SH		SOLE		0	0	6,880
SPDR SERIES TRUST	BLOMBERG BRC INV	78468R200	762	24,758	SH		SOLE		0	0	24,758
SPDR SERIES TRUST	BLOOMBERG SRT TR	78468R408	385	14,182	SH		DFND		0	0	14,182
SPDR SERIES TRUST	BLOOMBERG BRCLYS	78468R622	1,278	11,685	SH		DFND		0	0	11,685
SPDR SERIES TRUST	SSGA US SMAL ETF	78468R887	593	6,233	SH		SOLE		0	0	6,233
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	1,330	21,658	SH		DFND		0	0	21,658
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	1,314	10,889	SH		DFND		0	0	10,889
SELECT SECTOR SPDR TR	SBI INT-FINL	81369Y605	1,304	46,588	SH		DFND		0	0	46,588
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	1,338	16,609	SH		DFND		0	0	16,609
SELECT SECTOR SPDR TR	RL EST SEL SEC	81369Y860	1,348	34,257	SH		DFND		0	0	34,257
SELECT SECTOR SPDR TR	SBI INT-UTILS	81369Y886	1,389	21,452	SH		DFND		0	0	21,452
SMITH & NEPHEW PLC	SPDN ADR NEW	83175M205	230	4,787	SH		DFND		0	0	4,787
3M CO	COM	88579Y101	238	1,450	SH		SOLE		0	0	1,450
UNITEDHEALTH GROUP INC	COM	91324P102	201	928	SH		DFND		0	0	928
VALERO ENERGY CORP NEW	COM	91913Y100	495	4,827	SH		DFND		0	0	4,827
VANGUARD WORLD FDS	COMM SRVC ETF	92204A884	1,304	15,038	SH		DFND		0	0	15,038
VENTAS INC	COM	92276F100	299	4,092	SH		SOLE		0	0	4,092
VERASTEM INC	COM	92337C104	12	10,000	SH		SOLE		0	0	10,000
VERIZON COMMUNICATIONS INC	COM	92343V104	3,535	58,565	SH		SOLE		0	0	58,565
VIACOM INC NEW	CL B	92553P201	452	14,198	SH		DFND		0	0	14,198
VISA INC	COM CL A	92826C839	2,107	12,209	SH		DFND		0	0	12,209
WNS HOLDINGS LTD	SPON ADR	92932M101	238	4,051	SH		DFND		0	0	4,051
WELLTOWER INC	COM	95040Q104	366	4,043	SH		SOLE		0	0	4,043
WESTROCK CO	COM	96145D105	471	12,918	SH		DFND		0	0	12,918
WISDOMTREE TR	US MIDCAP DIVID	97717W505	953	26,259	SH		SOLE		0	0	26,259
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	357	13,052	SH		SOLE		0	0	13,052
WISDOMTREE TR	JAPN HEDGE EQT	97717W851	303	6,037	SH		SOLE		0	0	6,037
WISDOMTREE TR	DYNAMIC LNG EQ	97717X313	544	19,586	SH		SOLE		0	0	19,586
WISDOMTREE TR	EM EX ST-OWNED	97717X578	263	9,494	SH		DFND		0	0	9,494
WISDOMTREE TR	CHINADIV EX FI	97717X719	699	9,839	SH		SOLE		0	0	9,839
XYLEM INC	COM	98419M100	295	3,706	SH		SOLE		0	0	3,706
XEROX HOLDINGS CORP	COM NEW	98421M106	519	17,191	SH		DFND		0	0	17,191
ZOETIS INC	CL A	98978V103	1,546	12,385	SH		DFND		0	0	12,385
ALLEGION PUB LTD CO	ORD SHS	G0176J109	249	2,397	SH		DFND		0	0	2,397
ARCH CAP GROUP LTD	ORD	G0450A105	306	7,300	SH		DFND		0	0	7,300
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	2,253	11,695	SH		DFND		0	0	11,695
COSAN LTD	SHS A	G25343107	178	11,955	SH		DFND		0	0	11,955
EATON CORP PLC	SHS	G29183103	492	5,918	SH		DFND		0	0	5,918
ICON PLC	SHS	G4705A100	544	3,691	SH		DFND		0	0	3,691
INGERSOLL-RAND PLC	SHS	G47791101	309	2,507	SH		DFND		0	0	2,507
INTERNATIONAL GAME TECHNOLOG	SHS USD	G4863A108	413	23,306	SH		DFND		0	0	23,306
INVESCO LTD	SHS	G491BT108	420	19,402	SH		DFND		0	0	19,402
JOHNSON CTLS INTL PLC	SHS	G51502105	572	13,036	SH		DFND		0	0	13,036
NABRIVA THERAPEUTICS PLC	SHS	G63637105	37	16,000	SH		SOLE		0	0	16,000
SEAGATE TECHNOLOGY PLC	SHS	G7945M107	521	9,681	SH		DFND		0	0	9,681
STERIS PLC	SHS USD	G8473T100	671	4,645	SH		DFND		0	0	4,645
TECHNIPFMC PLC	COM	G87110105	291	12,041	SH		DFND		0	0	12,041
ALCON INC	ORD SHS	H01301128	602	10,331	SH		DFND		0	0	10,331
CHUBB LIMITED	COM	H1467J104	926	5,736	SH		DFND		0	0	5,736
CHUBB LIMITED	COM	H1467J104	24,772	154,172	SH		SOLE		0	0	154,172
CHECK POINT SOFTWARE TECH LT	ORD	M22465104	215	1,964	SH		DFND		0	0	1,964
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	1,252	5,041	SH		DFND		0	0	5,041