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

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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	264	1,931	SH		DFND	7, 30, 36, 21	0	0	1,931
ABBOTT LABS	COM	002824100	1,586	20,096	SH		DFND	1, 9, 11, 18, 19, 36, 38, 40	0	0	20,096
ABBVIE INC	COM	00287Y109	442	5,801	SH		DFND	10, 36	0	0	5,801
ACADIA PHARMACEUTICALS INC	COM	004225108	748	17,700	SH		SOLE		0	0	17,700
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	1,834	11,232	SH		DFND	7, 11, 29, 30, 36, 38, 21, 46	0	0	11,232
ADAPTIVE BIOTECHNOLOGIES COR	COM	00650F109	3,137	112,916	SH		SOLE		0	0	112,916
ADOBE INC	COM	00724F101	1,715	5,389	SH		DFND	5, 15, 19, 36, 37, 38	0	0	5,389
ADVAXIS INC	COM NEW	007624307	15	28,888	SH		SOLE		0	0	28,888
ADVISORSHARES TR	ADVISORSHS ETF	00768Y206	835	20,711	SH		SOLE		0	0	20,711
AES CORP	COM	00130H105	184	13,556	SH		DFND	10, 36, 45	0	0	13,556
AILERON THERAPEUTICS INC	COM	00887A105	8	23,000	SH		SOLE		0	0	23,000
ALCON INC	ORD SHS	H01301128	463	9,108	SH		DFND	5, 30, 46	0	0	9,108
ALGONQUIN PWR UTILS CORP	COM	015857105	211	15,735	SH		DFND	17	0	0	15,735
ALIBABA GROUP HLDG LTD	SPONSORED ADS	01609W102	254	1,306	SH		DFND	15, 19, 27, 36, 37, 43	0	0	1,306
ALIGN TECHNOLOGY INC	COM	016255101	457	2,629	SH		DFND	15, 36, 38, 21	0	0	2,629
ALLEGION PLC	ORDSHS	G0176J109	239	2,597	SH		DFND	1, 5, 20, 36, 45	0	0	2,597
ALLSTATE CORP	COM	020002101	316	3,446	SH		DFND	10, 36, 42, 45	0	0	3,446
ALPHABET INC	CAP STK CL C	02079K107	3,354	2,884	SH		DFND	1, 36, 37, 38, 40, 41, 10, 18, 19, 30, 34	0	0	2,884
ALPHABET INC	CAP STK CL A	02079K305	3,093	2,662	SH		DFND	1, 36, 37, 38, 40, 41, 10, 18, 19, 30, 34	0	0	2,662
ALTRIA GROUP INC	COM	02209S103	236	6,102	SH		DFND	29, 36, 41, 44	0	0	6,102
AMAZON COM INC	COM	023135106	2,542	1,304	SH		DFND	10, 15, 34, 36, 37, 40	0	0	1,304
AMBEV SA	SPONSORED ADR	02319V103	36	15,497	SH		DFND	26, 27	0	0	15,497
AMERICAN EXPRESS CO	COM	025816109	226	2,638	SH		DFND	10, 36	0	0	2,638
AMERICAN TOWER CORP NEW	COM	03027X100	231	1,062	SH		DFND	7, 10, 14, 20, 28, 36	0	0	1,062
AMERICOLD RLTY TR	COM	03064D108	214	6,290	SH		DFND	3, 17, 28	0	0	6,290
AMERISOURCEBERGEN CORP	COM	03073E105	517	5,845	SH		DFND	31, 34, 36, 21, 42	0	0	5,845
AMGEN INC	COM	031162100	328	1,616	SH		DFND	5, 9, 10, 36, 21, 44	0	0	1,616
AMPLIFY ETF TR	ONLIN RETL ETF	032108102	542	13,049	SH		SOLE		0	0	13,049
ANGLOGOLD ASHANTI LTD	SPONSORED ADR	035128206	195	11,708	SH		DFND	20, 27	0	0	11,708
APPLE INC	COM	037833100	4,781	18,802	SH		DFND	10, 11, 29, 30, 34, 36, 21, 41	0	0	18,802
APPLIED MATLS INC	COM	038222105	280	6,112	SH		DFND	10, 15, 36	0	0	6,112
ARDELYX INC	COM	039697107	341	60,000	SH		SOLE		0	0	60,000
ARK ETF TR	INNOVATION ETF	00214Q104	386	8,764	SH		SOLE		0	0	8,764
ASML HOLDING N V	N Y REGISTRY SHS	N07059210	1,091	4,169	SH		DFND	12, 20, 34, 46	0	0	4,169
AT&T INC	COM	00206R102	1,482	50,854	SH		DFND	9, 10, 36	0	0	50,854
AUTODESK INC	COM	052769106	664	4,255	SH		DFND	31, 16, 34, 36, 40	0	0	4,255
AUTOMATIC DATA PROCESSING IN	COM	053015103	731	5,348	SH		DFND	19, 29, 36, 38, 21, 40	0	0	5,348
BANCO BILBAO VIZCAYA ARGENTA	SPONSORED ADR	05946K101	36	11,916	SH		DFND	26	0	0	11,916
BANCO SANTANDER SA	ADR	05964H105	28	11,748	SH		DFND	32	0	0	11,748
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,324	7,242	SH		DFND	18, 36, 41	0	0	7,242
BIOCRYST PHARMACEUTICALS INC	COM	09058V103	174	87,078	SH		SOLE		0	0	87,078
BIOGEN INC	COM	09062X103	694	2,192	SH		DFND	31, 36, 21	0	0	2,192
BK OF AMERICA CORP	COM	060505104	266	12,509	SH		DFND	5, 10, 29, 30, 36,	0	0	12,509
BLOCK H & R INC	COM	093671105	262	18,637	SH		DFND	36, 21	0	0	18,637
BOEING CO	COM	097023105	9,231	61,898	SH		DFND	10, 30, 34, 36	0	0	61,898
BORGWARNER INC	COM	099724106	244	10,019	SH		DFND	18, 36, 21	0	0	10,019
BP PLC	SPONSORED ADR	055622104	289	11,867	SH		DFND	9, 32, 36	0	0	11,867
BRISTOL-MYERS SQUIBB CO	COM	110122108	1,001	17,961	SH		DFND	9, 10, 15, 29, 36, 21, 41, 44, 45	0	0	17,961
CANADIAN PAC RY LTD	COM	13645T100	949	4,321	SH		DFND	16, 36, 43, 46	0	0	4,321
CARDINAL HEALTH INC	COM	14149Y108	676	14,105	SH		DFND	36, 21, 42	0	0	14,105
CERUS CORP	COM	157085101	177	38,138	SH		SOLE		0	0	38,138
CHARTER COMMUNICATIONS INC N	CL A	16119P108	265	608	SH		DFND	18, 20, 36, 45	0	0	608
CHEMED CORP NEW	COM	16359R103	288	665	SH		DFND	17, 20	0	0	665
CHEVRON CORP NEW	COM	166764100	609	8,409	SH		DFND	9, 10, 11, 18, 29, 30, 36, 21, 41, 44	0	0	8,409
CHUBB LIMITED	COM	H1467J104	16,339	146,291	SH		DFND	5, 9, 28, 29, 36, 46	0	0	146,291
CISCO SYS INC	COM	17275R102	687	17,472	SH		DFND	9, 10, 30, 36, 21, 41, 44	0	0	17,472
CITIGROUP GLOBAL MKTS HLDGS	VLCTYSHS 3X LNG	17325E291	14	86,440	SH		SOLE		0	0	86,440
CITRIX SYS INC	COM	177376100	207	1,461	SH		DFND	31, 36, 21, 41	0	0	1,461
CLOROX CO DEL	COM	189054109	218	1,258	SH		DFND	36, 21,	0	0	1,258
CNA FINL CORP	COM	126117100	450	14,497	SH		SOLE		0	0	14,497
COCA COLA CO	COM	191216100	289	6,523	SH		DFND	5, 29, 30, 36, 41	0	0	6,523
COGENT COMMUNICATIONS HLDGS	COM NEW	19239V302	204	2,485	SH		DFND	17	0	0	2,485
COMCAST CORP NEW	CL A	20030N101	552	16,069	SH		DFND	7, 10, 31, 18, 29, 34, 36, 21,	0	0	16,069
COSAN LTD	SHS A	G25343107	164	13,354	SH		DFND	20	0	0	13,354
COSTCO WHSL CORP NEW	COM	22160K105	232	813	SH		DFND	10, 11, 34, 36	0	0	813
CROWN CASTLE INTL CORP NEW	COM	22822V101	289	2,003	SH		DFND	7, 14, 28, 36, 41, 45	0	0	2,003
CUMMINS INC	COM	231021106	340	2,511	SH		DFND	36, 21, 44	0	0	2,511
DANAHER CORPORATION	COM	235851102	201	1,453	SH		DFND	5, 7, 20, 30, 34, 36, 40	0	0	1,453
DAVITA INC	COM	23918K108	770	10,130	SH		DFND	36, 21	0	0	10,130
DBV TECHNOLOGIES S A	SPONSORED ADR	23306J101	108	27,588	SH		SOLE		0	0	27,588
DBX ETF TR	XTRACK MSCI EAFE	233051200	1,976	73,720	SH		DFND	13	0	0	73,720
DBX ETF TR	XTRACK USD HIGH	233051432	856	19,420	SH		DFND	13	0	0	19,420
DELTA AIR LINES INC DEL	COM NEW	247361702	246	8,630	SH		DFND	10, 36, 21, 41	0	0	8,630
DOLLAR GEN CORP NEW	COM	256677105	739	4,891	SH		DFND	7, 10, 36, 38	0	0	4,891
DUKE ENERGY CORP NEW	COM NEW	26441C204	637	7,873	SH		DFND	10, 36, 21	0	0	7,873
EASTMAN CHEM CO	COM	277432100	264	5,662	SH		DFND	11, 18, 36, 21, 44	0	0	5,662
EBAY INC	COM	278642103	466	15,494	SH		DFND	10, 36, 21	0	0	15,494
EDAP TMS S A	SPONSORED ADR	268311107	103	45,500	SH		SOLE		0	0	45,500
ENERGY TRANSFER LP	COM UT LTD PTN	29273V100	128	27,722	SH		DFND	33	0	0	27,722
ENTERPRISE PRODS PARTNERS L	COM	293792107	169	11,799	SH		DFND	33	0	0	11,799
ENVIVA PARTNERS LP	COM UNIT	29414J107	214	8,000	SH		SOLE		0	0	8,000
EQUINIX INC	COM	29444U700	273	438	SH		DFND	3, 14, 16, 28, 36, 40	0	0	438
EXPEDIA GROUP INC	COM NEW	30212P303	232	4,124	SH		DFND	10, 31, 36, 21, 42	0	0	4,124
EXPONENT INC	COM	30214U102	241	3,346	SH		DFND	17, 25	0	0	3,346
EXTRA SPACE STORAGE INC	COM	30225T102	207	2,162	SH		DFND	10, 14, 28, 36	0	0	2,162
EXXON MOBIL CORP	COM	30231G102	854	22,494	SH		DFND	9, 10, 29, 36, 21, 34	0	0	22,494
F M C CORP	COM NEW	302491303	202	2,474	SH		DFND	36	0	0	2,474
FACEBOOK INC	CL A	30303M102	2,300	13,791	SH		DFND	1, 10, 15, 18, 19, 34, 36, 37, 38, 40	0	0	13,791
FERRARI N V	COM	N3167Y103	479	3,142	SH		DFND	46	0	0	3,142
FIDELITY	TOTAL BD ETF	316188309	266	5,132	SH		SOLE		0	0	5,132
FIDELITY COVINGTON TR	MSCI FINLS IDX	316092501	2,394	81,471	SH		DFND	8	0	0	81,471
FIDELITY COVINGTON TR	MSCI HLTH CARE I	316092600	3,463	80,571	SH		DFND	8	0	0	80,571
FIDELITY COVINGTON TR	MSCI INFO TECH I	316092808	2,643	42,153	SH		DFND	8	0	0	42,153
FIDELITY COVINGTON TR	HIGH DIVID ETF	316092840	1,473	64,300	SH		DFND	8	0	0	64,300
FIDELITY COVINGTON TR	MSCI RL EST ETF	316092857	1,656	79,618	SH		DFND	8	0	0	79,618
FORD MTR CO DEL	COM	345370860	245	50,672	SH		DFND	36, 21	0	0	50,672
GALAPAGOS NV	SPON ADR	36315X101	354	1,808	SH		DFND	20, 27	0	0	1,808
GARTNER INC	COM	366651107	478	4,804	SH		DFND	25, 36, 37, 38	0	0	4,804
GENERAL DYNAMICS CORP	COM	369550108	1,235	9,333	SH		DFND	5, 29, 36, 41	0	0	9,333
GENERAL ELECTRIC CO	COM	369604103	100	12,645	SH		DFND	36	0	0	12,645
GENERAL MLS INC	COM	370334104	242	4,581	SH		DFND	9, 36, 42, 44	0	0	4,581
GILEAD SCIENCES INC	COM	375558103	999	13,369	SH		DFND	10, 11, 18, 29, 36, 21, 44	0	0	13,369
GLOBAL X FDS	RBTCS ARTFL INTE	37954Y715	191	10,554	SH		SOLE		0	0	10,554
GOLD FIELDS LTD NEW	SPONSORED ADR	38059T106	184	38,709	SH		DFND	20	0	0	38,709
GOLDMAN SACHS GROUP INC	COM	38141G104	334	2,159	SH		DFND	34, 36	0	0	2,159
HANESBRANDS INC	COM	410345102	80	10,177	SH		DFND	18, 36, 39, 21, 44	0	0	10,177
HARLEY DAVIDSON INC	COM	412822108	236	12,484	SH		DFND	36, 21	0	0	12,484
HARSCO CORP	COM	415864107	139	20,000	SH		SOLE		0	0	20,000
HDFC BANK LTD	SPONSORED ADS	40415F101	575	14,940	SH		DFND	27, 46	0	0	14,940
HESS CORP	COM	42809H107	377	11,312	SH		DFND	36	0	0	11,312
HOME DEPOT INC	COM	437076102	368	1,971	SH		DFND	5, 11, 29, 34, 36, 41	0	0	1,971
HONEYWELL INTL INC	COM	438516106	284	2,126	SH		DFND	11, 18, 29, 30, 36	0	0	2,126
HOST HOTELS & RESORTS INC	COM	44107P104	294	26,591	SH		DFND	3, 10, 14, 36, 21	0	0	26,591
HP INC	COM	40434L105	463	26,698	SH		DFND	36, 21, 44	0	0	26,698
ICICI BANK LIMITED	ADR	45104G104	141	16,626	SH		DFND	20, 26, 27	0	0	16,626
ICON PLC	SHS	G4705A100	500	3,677	SH		DFND	31, 20, 27, 46	0	0	3,677
ILLUMINA INC	COM	452327109	320	1,172	SH		DFND	15, 36, 37, 40	0	0	1,172
INDEXIQ ETF TR	IQ MRGR ARB ETF	45409B800	4,273	141,759	SH		SOLE		0	0	141,759
INNOVATOR ETFS TR	S&P 500 PWR BUFR	45782C383	978	40,670	SH		SOLE		0	0	40,670
INNOVATOR ETFS TR	S&P 500 BUFFER	45782C391	821	34,809	SH		SOLE		0	0	34,809
INNOVATOR ETFS TR	S&P 500 BUFFER	45782C409	500	20,255	SH		SOLE		0	0	20,255
INNOVATOR ETFS TR	S&P 500 BUFFER	45782C433	1,901	90,975	SH		SOLE		0	0	90,975
INNOVATOR ETFS TR	NASDAQ 100 PWR	45782C466	2,058	62,401	SH		SOLE		0	0	62,401
INNOVATOR ETFS TR	RUSSELL 2000 P	45782C474	2,648	122,471	SH		SOLE		0	0	122,471
INNOVATOR ETFS TR	S&P 500 POWER	45782C508	16,739	667,974	SH		SOLE		0	0	667,974
INNOVATOR ETFS TR	MSCI EMGR MKT	45782C516	674	29,515	SH		SOLE		0	0	29,515
INNOVATOR ETFS TR	MSCI EAFE PWR	45782C524	2,818	132,664	SH		SOLE		0	0	132,664
INNOVATOR ETFS TR	S&P 500 PWR BU	45782C540	202	8,493	SH		SOLE		0	0	8,493
INNOVATOR ETFS TR	S&P 500 POWER	45782C573	609	26,002	SH		SOLE		0	0	26,002
INNOVATOR ETFS TR	S&P 500 PWR BU	45782C680	507	22,012	SH		SOLE		0	0	22,012
INNOVATOR ETFS TR	S&P 500 PWR BU	45782C870	419	17,353	SH		SOLE		0	0	17,353
INTEL CORP	COM	458140100	502	9,269	SH		DFND	9, 10, 36, 41	0	0	9,269
INTERNATIONAL BUSINESS MACHS	COM	459200101	901	8,125	SH		DFND	36, 21	0	0	8,125
INTL PAPER CO	COM	460146103	311	9,990	SH		DFND	36, 21	0	0	9,990
INVESCO EXCHANGE TRADED FD T	HIG YLD EQ DIV	46137V563	181	14,000	SH		DFND	35	0	0	14,000
INVESCO EXCHANGE TRADED FD T	DYNMC SOFTWARE	46137V639	318	3,705	SH		SOLE		0	0	3,705
INVESCO EXCHANGE-TRADED FD T	S&P SMLCP LOW	46138G102	1,119	33,761	SH		SOLE		0	0	33,761
INVESCO QQQ TR	UNIT SER 1	46090E103	1,781	9,353	SH		SOLE		0	0	9,353
ISHARES INC	MSCI EURZONE ETF	464286608	354	11,654	SH		SOLE		0	0	11,654
ISHARES INC	CORE MSCI EMKT	46434G103	357	8,823	SH		SOLE		0	0	8,823
ISHARES SILVER TRUST	ISHARES	46428Q109	300	23,000	SH		SOLE		0	0	23,000
ISHARES TR	S&P 100 ETF	464287101	250	2,107	SH		SOLE		0	0	2,107
ISHARES TR	MRNGSTR LG-CP GR	464287119	402	2,164	SH		SOLE		0	0	2,164
ISHARES TR	CORE S&P500 ETF	464287200	2,953	11,427	SH		SOLE		0	0	11,427
ISHARES TR	S&P 500 GRWT ETF	464287309	1,382	8,371	SH		SOLE		0	0	8,371
ISHARES TR	S&P 500 VAL ETF	464287408	1,037	10,772	SH		SOLE		0	0	10,772
ISHARES TR	1 3 YR TREAS BD	464287457	6,347	73,229	SH		SOLE		0	0	73,229
ISHARES TR	MSCI EAFE ETF	464287465	891	16,666	SH		DFND	12, 30	0	0	16,666
ISHARES TR	RUS MDCP VAL ETF	464287473	455	7,103	SH		SOLE		0	0	7,103
ISHARES TR	RUS MID CAP ETF	464287499	224	5,183	SH		DFND	36	0	0	5,183
ISHARES TR	CORE S&P MCP ETF	464287507	760	5,285	SH		DFND	31	0	0	5,285
ISHARES TR	EXPANDED TECH	464287515	458	2,180	SH		SOLE		0	0	2,180
ISHARES TR	COHEN STEER REIT	464287564	1,193	13,028	SH		SOLE		0	0	13,028
ISHARES TR	RUS 1000 VAL ETF	464287598	2,067	20,843	SH		DFND	21	0	0	20,843
ISHARES TR	RUS 1000 GRW ETF	464287614	547	3,629	SH		DFND	19, 38	0	0	3,629
ISHARES TR	RUS 1000 ETF	464287622	1,075	7,598	SH		DFND	44	0	0	7,598
ISHARES TR	RUS 2000 GRW ETF	464287648	713	4,509	SH		DFND	17	0	0	4,509
ISHARES TR	RUSSELL 2000 ETF	464287655	398	3,479	SH		DFND	17, 25	0	0	3,479
ISHARES TR	CORE S&P SCP ETF	464287804	656	11,698	SH		SOLE		0	0	11,698
ISHARES TR	IBOXX HI YD ETF	464288513	1,255	16,283	SH		DFND	13, 35	0	0	16,283
ISHARES TR	INTRM TR CRP ETF	464288638	3,511	63,929	SH		SOLE		0	0	63,929
ISHARES TR	EAFE GRWTH ETF	464288885	1,166	16,393	SH		DFND	26, 46	0	0	16,393
ISHARES TR	CORE MSCI EAFE	46432F842	338	6,776	SH		SOLE		0	0	6,776
ISHARES TR	MSCI UK ETF NEW	46435G334	223	9,325	SH		SOLE		0	0	9,325
ISHARES TR	MSCI EAFE SMCP	46435G839	512	22,387	SH		SOLE		0	0	22,387
ISHARES TR	BROAD USD HIGH	46435U853	918	25,873	SH		SOLE		0	0	25,873
ITT INC	COM	45073V108	14,811	326,511	SH		DFND	36	0	0	326,511
JOHNSON & JOHNSON	COM	478160104	1,012	7,718	SH		DFND	9, 10, 11, 29, 30, 36, 21, 41, 44	0	0	7,718
JPMORGAN CHASE & CO	COM	46625H100	630	7,001	SH		DFND	5, 9, 11, 18, 30, 34, 36	0	0	7,001
KEYSIGHT TECHNOLOGIES INC	COM	49338L103	226	2,706	SH		DFND	31, 16, 20, 36, 45	0	0	2,706
KIMBERLY CLARK CORP	COM	494368103	304	2,376	SH		DFND	9, 18, 30, 36, 21, 44	0	0	2,376
KINDER MORGAN INC DEL	COM	49456B101	216	15,546	SH		DFND	9, 10, 33, 36, 41	0	0	15,546
KINIKSA PHARMACEUTICALS LTD	COM CL A	G5269C101	305	19,700	SH		SOLE		0	0	19,700
KOHLS CORP	COM	500255104	160	10,959	SH		DFND	10, 36, 21, 44	0	0	10,959
L3HARRIS TECHNOLOGIES INC	COM	502431109	1,313	7,291	SH		DFND	11, 31, 36	0	0	7,291
LEAP THERAPEUTICS INC	COM	52187K101	101	64,165	SH		SOLE		0	0	64,165
LINDE PLC	SHS	G5494J103	358	2,071	SH		DFND	7, 18, 26, 36, 21, 40	0	0	2,071
LKQ CORP	COM	501889208	246	11,996	SH		DFND	36, 21, 42	0	0	11,996
LLOYDS BANKING GROUP PLC	SPONSORED ADR	539439109	27	18,070	SH		DFND	12, 32	0	0	18,070
LULULEMON ATHLETICA INC	COM	550021109	555	2,927	SH		DFND	46	0	0	2,927
MASTERCARD INC	CL A	57636Q104	1,238	5,126	SH		DFND	1, 7, 34, 36, 37, 38	0	0	5,126
MCDONALDS CORP	COM	580135101	255	1,545	SH		DFND	8, 11 29, 30, 36, 21	0	0	1,545
MCKESSON CORP	COM	58155Q103	1,571	11,612	SH		DFND	36	0	0	11,612
MEDTRONIC PLC	SHS	G5960L103	303	3,355	SH		DFND	5, 10, 31, 29, 30, 34, 36	0	0	3,355
MERCADOLIBRE INC	COM	58733R102	699	1,432	SH		DFND	20, 27, 28	0	0	1,432
MERCK & CO. INC	COM	58933Y105	3,324	43,201	SH		DFND	8, 10, 29, 36, 21, 41, 44	0	0	43,201
METTLER TOLEDO INTERNATIONAL	COM	592688105	617	894	SH		DFND	16, 27, 21, 46	0	0	894
MICROSOFT CORP	COM	594918104	4,764	30,207	SH		DFND	1, 5, 7, 8, 10, 11, 18, 19, 29, 30, 34, 36, 38, 40, 41	0	0	30,207
MOBILE TELESYSTEMS PJSC	SPONSORED ADR	607409109	108	14,259	SH		DFND	27	0	0	14,259
MONDELEZ INTL INC	CL A	609207105	211	4,206	SH		DFND	7, 29, 30, 36, 40	0	0	4,206
MSCI INC	COM	55354G100	566	1,958	SH		DFND	15, 17, 20, 27	0	0	1,958
NABRIVA THERAPEUTICS PLC	SHS	G63637105	23	39,400	SH		SOLE		0	0	39,400
NETFLIX INC	COM	64110L106	449	1,196	SH		DFND	36	0	0	1,196
NICE LTD	SPONSORED ADR	653656108	279	1,945	SH		DFND	20	0	0	1,945
NIKE INC	CL B	654106103	902	10,901	SH		DFND	1, 7, 11, 15, 36, 37, 38, 21, 40	0	0	10,901
NORFOLK SOUTHERN CORP	COM	655844108	497	3,403	SH		DFND	9, 29, 30, 36, 41	0	0	3,403
NORTHROP GRUMMAN CORP	COM	666807102	306	1,011	SH		DFND	10, 36, 45	0	0	1,011
NORTONLIFELOCK INC	COM	668771108	214	11,433	SH		DFND	36	0	0	11,433
NOVARTIS A G	SPONSORED ADR	66987V109	346	4,200	SH		DFND	5, 11, 32, 20, 28, 30	0	0	4,200
NOVO-NORDISK A S	ADR	670100205	225	3,736	SH		DFND	11, 20, 28, 38, 40	0	0	3,736
NRG ENERGY INC	COM NEW	629377508	329	12,068	SH		DFND	36, 21, 44	0	0	12,068
NVIDIA CORP	COM	67066G104	319	1,208	SH		DFND	15, 34, 36	0	0	1,208
OMNICOM GROUP INC	COM	681919106	508	9,247	SH		DFND	10, 36, 21, 44	0	0	9,247
OSI ETF TR	OSHARS FTSE US	67110P407	376	12,953	SH		DFND	8	0	0	12,953
PAYPAL HLDGS INC	COM	70450Y103	954	9,963	SH		DFND	5, 15, 19, 36, 38, 40	0	0	9,963
PFIZER INC	COM	717081103	420	12,868	SH		DFND	9, 10, 18, 29, 30, 34, 36, 41, 44	0	0	12,868
PHILIP MORRIS INTL INC	COM	718172109	204	2,794	SH		DFND	18, 29, 36, 21, 41, 44	0	0	2,794
PIMCO ETF TR	0-5 HIGH YIELD	72201R783	426	4,965	SH		DFND	13	0	0	4,965
POOL CORPORATION	COM	73278L105	265	1,349	SH		DFND	16, 17, 25	0	0	1,349
POWER INTEGRATIONS INC	COM	739276103	205	2,321	SH		DFND	17, 25	0	0	2,321
PROCTER & GAMBLE CO	COM	742718109	589	5,355	SH		DFND	10, 11, 18, 29, 30, 36, 45	0	0	5,355
PROSHARES TR	S&P MDCP 400 DIV	74347B680	720	16,000	SH		SOLE		0	0	16,000
PROSHARES TR	HD REPLICATION	74347X294	3,526	82,899	SH		SOLE		0	0	82,899
PUBLIC SVC ENTERPRISE GRP IN	COM	744573106	465	10,357	SH		DFND	10, 29, 36	0	0	10,357
PULTE GROUP INC	COM	745867101	252	11,292	SH		DFND	36, 21	0	0	11,292
QTS RLTY TR INC	COM CL A	74736A103	232	4,002	SH		DFND	17, 25, 28	0	0	4,002
RALPH LAUREN CORP	CL A	751212101	319	4,773	SH		DFND	10, 36, 21	0	0	4,773
REGENERON PHARMACEUTICALS	COM	75886F107	833	1,705	SH		DFND	36, 38, 40	0	0	1,705
RESMED INC	COM	761152107	820	5,569	SH		DFND	16, 17, 36, 46	0	0	5,569
S&P GLOBAL INC	COM	78409V104	215	878	SH		DFND	36	0	0	878
SALESFORCE COM INC	COM	79466L302	961	6,672	SH		DFND	10, 15, 36, 38, 40	0	0	6,672
SAP SE	SPON ADR	803054204	310	2,802	SH		DFND	12, 20, 26, 28, 30, 38, 43	0	0	2,802
SCHWAB STRATEGIC TR	SHT TM US TRES	808524862	3,178	61,428	SH		DFND	44	0	0	61,428
SERVICENOW INC	COM	81762P102	840	2,931	SH		DFND	12, 36, 37, 38	0	0	2,931
SHOPIFY INC	CL A	82509L107	713	1,711	SH		DFND	27, 46	0	0	1,711
SIBANYE STILLWATER LTD	SPONSORED ADR	82575P107	105	22,272	SH		DFND	20	0	0	22,272
SIMON PPTY GROUP INC NEW	COM	828806109	212	3,863	SH		DFND	3, 10, 14, 28, 29, 36, 21	0	0	3,863
SMITH & NEPHEW GROUP PLC	SPDN ADR NEW	83175M205	709	19,771	SH		DFND	12, 20, 27, 46	0	0	19,771
SOUTHERN CO	COM	842587107	941	17,373	SH		DFND	11, 36, 21, 45	0	0	17,373
SOUTHWEST AIRLS CO	COM	844741108	260	7,295	SH		DFND	36, 21	0	0	7,295
SPDR GOLD TRUST	GOLD SHS	78463V107	2,039	13,775	SH		SOLE		0	0	13,775
SPDR INDEX SHS FDS	EURO STOXX 50	78463X202	563	19,087	SH		SOLE		0	0	19,087
SPDR S&P 500 ETF TR	TR UNIT	78462F103	14,228	55,202	SH		DFND	6	0	0	55,202
SPDR SER TR	S&P 400 MDCP GRW	78464A821	218	5,093	SH		SOLE		0	0	5,093
SPDR SER TR	PORTFOLIO SH TSR	78468R101	2,815	91,627	SH		SOLE		0	0	91,627
SPDR SER TR	BLOMBERG BRC INV	78468R200	1,096	37,285	SH		SOLE		0	0	37,285
SPDR SER TR	BLOOMBERG SRT TR	78468R408	459	19,480	SH		DFND	13	0	0	19,480
SPDR SER TR	BLOOMBERG BRCLYS	78468R622	1,563	16,501	SH		DFND	13	0	0	16,501
SPDR SER TR	SSGA US SMAL ETF	78468R887	350	5,300	SH		SOLE		0	0	5,300
STARBUCKS CORP	COM	855244109	546	8,308	SH		DFND	1, 7, 29, 36, 38, 21	0	0	8,308
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	1,077	22,531	SH		DFND	32, 26, 27, 46	0	0	22,531
TAL EDUCATION GROUP	SPONSORED ADS	874080104	225	4,233	SH		DFND	20, 27	0	0	4,233
TREVENA INC	COM	89532E109	14	25,000	SH		SOLE		0	0	25,000
UNITED MICROELECTRONICS CORP	SPON ADR NEW	910873405	28	12,750	SH		DFND	27	0	0	12,750
UNITED RENTALS INC	COM	911363109	300	2,919	SH		DFND	16, 34, 36, 21	0	0	2,919
UNITED STATES OIL FUND LP	UNITS	91232N108	51	12,114	SH		SOLE		0	0	12,114
UNITEDHEALTH GROUP INC	COM	91324P102	330	1,325	SH		DFND	11, 31, 15, 29, 36, 40	0	0	1,325
VANGUARD BD INDEX FDS	INTERMED TERM	921937819	231	2,591	SH		SOLE		0	0	2,591
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	488	5,933	SH		SOLE		0	0	5,933
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	343	1,449	SH		SOLE		0	0	1,449
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	824	11,794	SH		DFND	35	0	0	11,794
VANGUARD INDEX FDS	MID CAP ETF	922908629	218	1,658	SH		SOLE		0	0	1,658
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	706	5,961	SH		SOLE		0	0	5,961
VANGUARD INDEX FDS	SMALL CP ETF	922908751	254	2,204	SH		SOLE		0	0	2,204
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	408	12,173	SH		SOLE		0	0	12,173
VANGUARD INTL EQUITY INDEX F	FTSE EUROPE ETF	922042874	458	10,573	SH		SOLE		0	0	10,573
VANGUARD MUN BD FD INC	TAX EXEMPT BD	922907746	1,481	28,000	SH		SOLE		0	0	28,000
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	3,697	59,299	SH		DFND	44	0	0	59,299
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	222	2,549	SH		SOLE		0	0	2,549
VANGUARD TAX-MANAGED INTL FD	FTSE DEV MKT ETF	921943858	228	6,846	SH		SOLE		0	0	6,846
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	2,633	37,220	SH		SOLE		0	0	37,220
VERASTEM INC	COM	92337C104	79	30,000	SH		SOLE		0	0	30,000
VEREIT INC	COM	92339V100	51	10,356	SH		DFND	3, 14, 28, 42	0	0	10,356
VERIZON COMMUNICATIONS INC	COM	92343V104	3,634	67,642	SH		DFND	10, 29, 36, 41	0	0	67,642
VIACOMCBS INC	CL B	92556H206	520	37,089	SH		DFND	11, 36, 42, 44	0	0	37,089
VISA INC	COM CL A	92826C839	1,593	9,886	SH		DFND	7, 10, 15, 19, 30, 34, 36, 37, 38, 40, 41	0	0	9,886
WALMART INC	COM	931142103	236	2,074	SH		DFND	9, 10, 29, 36	0	0	2,074
WELLS FARGO CO NEW	COM	949746101	364	12,691	SH		DFND	9, 10, 11, 29, 36, 41	0	0	12,691
WELLTOWER INC	COM	95040Q104	240	5,250	SH		DFND	3, 14, 28, 36	0	0	5,250
WISDOMTREE TR	US MIDCAP DIVID	97717W505	937	38,765	SH		SOLE		0	0	38,765
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	266	14,752	SH		SOLE		0	0	14,752
XEROX HOLDINGS CORP	COM NEW	98421M106	245	12,910	SH		DFND	36, 21	0	0	12,910
XYLEM INC	COM	98419M100	302	4,632	SH		DFND	7, 16	0	0	4,632
ZOETIS INC	CL A	98978V103	1,122	9,533	SH		DFND	1, 7, 10, 16, 19, 30, 36, 38	0	0	9,533
ZTO EXPRESS CAYMAN INC	SPONSORED ADS A	98980A105	212	7,988	SH		DFND	20	0	0	7,988