The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ISHARES TR CORE US AGGRD ET 464287226 95,857 811,043 SH   DFND NONE 811,043 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 17,967 77,200 SH   DFND NONE 77,200 0 0
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 65,900 2,957,821 SH   DFND NONE 2,957,821 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 39,355 672,153 SH   DFND NONE 672,153 0 0
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 45,674 1,462,513 SH   DFND NONE 1,462,513 0 0
INVESCO EXCHNG TRADED FD TR S&P GBL WATER 46138E263 18,157 387,965 SH   DFND NONE 387,965 0 0
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 72,467 875,311 SH   DFND NONE 875,311 0 0
INVESCO DB MLTI SECTR CMMTY BASE METALS FD 46140H700 9,556 553,642 SH   DFND NONE 553,642 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 87,544 1,694,283 SH   DFND NONE 1,694,283 0 0
ISHARES TR MSCI EAFE ETF 464287465 55,659 762,874 SH   DFND NONE 762,874 0 0
ISHARES TR JPMORGAN USD EMG 464288281 83,946 724,232 SH   DFND NONE 724,232 0 0
ISHARES INC EM HGHYL BD ETF 464286285 10,666 230,108 SH   DFND NONE 230,108 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 47,754 1,435,337 SH   DFND NONE 1,435,337 0 0
ISHARES INC MSCI CDA ETF 464286509 2,548 82,615 SH   DFND NONE 82,615 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 6,360 123,183 SH   DFND NONE 123,183 0 0
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100 16,041 222,420 SH   DFND NONE 222,420 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 39,191 772,700 SH   DFND NONE 772,700 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 73,307 2,035,182 SH   DFND NONE 2,035,182 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 27,806 155,900 SH   DFND NONE 155,900 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 59,204 1,322,115 SH   DFND NONE 1,322,115 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 114,754 3,526,556 SH   DFND NONE 3,526,556 0 0
ISHARES TR GLB INFRASTR ETF 464288372 140,828 3,221,865 SH   DFND NONE 3,221,865 0 0
VANECK VECTORS ETF TR INTL HIGH YIELD 92189F445 3,364 129,684 SH   DFND NONE 129,684 0 0
ISHARES TR MICRO-CAP ETF 464288869 62,096 523,358 SH   DFND NONE 523,358 0 0
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 82,133 753,925 SH   DFND NONE 753,925 0 0
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 16,884 272,802 SH   DFND NONE 272,802 0 0
VANECK VECTORS ETF TR AGRIBUSINESS ETF 92189F700 60,137 772,081 SH   DFND NONE 772,081 0 0
INVESCO ACTIVLY MANGD ETC FD OPTIMUM YIELD 46090F100 20,100 1,317,192 SH   DFND NONE 1,317,192 0 0
ISHARES TR PFD AND INCM SEC 464288687 30,256 785,667 SH   DFND NONE 785,667 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 32,505 699,786 SH   DFND NONE 699,786 0 0
INVESCO EXCHNG TRADED FD TR GLOBAL WATER 46138E651 14,797 422,914 SH   DFND NONE 422,914 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 79,371 2,328,264 SH   DFND NONE 2,328,264 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 126,742 2,041,587 SH   DFND NONE 2,041,587 0 0
GLOBAL X FDS GLOBAL X SILVER 37954Y848 33,720 739,157 SH   DFND NONE 739,157 0 0
ISHARES SILVER TRUST ISHARES 46428Q109 24,977 1,016,567 SH   DFND NONE 1,016,567 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 661,028 1,768,023 SH   DFND NONE 1,768,023 0 0
ISHARES TR USD INV GRDE ETF 464288620 58,458 943,332 SH   DFND NONE 943,332 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 162,317 833,763 SH   DFND NONE 833,763 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 63,998 1,183,619 SH   DFND NONE 1,183,619 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 95,682 1,126,599 SH   DFND NONE 1,126,599 0 0
INVESCO EXCHNG TRADED FD TR VAR RATE PFD 46138G870 12,832 494,500 SH   DFND NONE 494,500 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 150,165 1,232,479 SH   DFND NONE 1,232,479 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 22,708 275,923 SH   DFND NONE 275,923 0 0
SPDR SERIES TRUST FTSE INT GVT ETF 78464A490 15,442 263,018 SH   DFND NONE 263,018 0 0
ISHARES TR GL TIMB FORE ETF 464288174 19,211 241,349 SH   DFND NONE 241,349 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 183,969 1,414,927 SH   DFND NONE 1,414,927 0 0
APPLE INC COM 037833100 93 700 SH   DFND NONE 700 0 0
ABBVIE INC COM 00287Y109 22 202 SH   DFND NONE 202 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 44 170 SH   DFND NONE 170 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 7 15 SH   DFND NONE 15 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 141 800 SH   DFND NONE 800 0 0
AFLAC INC COM 001055102 11 252 SH   DFND NONE 252 0 0
ALLSTATE CORP COM 020002101 5 45 SH   DFND NONE 45 0 0
AMERICAN TOWER CORP NEW COM 03027X100 8 35 SH   DFND NONE 35 0 0
AMAZON COM INC COM 023135106 16 5 SH   DFND NONE 5 0 0
BK OF AMERICA CORP COM 060505104 7 233 SH   DFND NONE 233 0 0
BECTON DICKINSON & CO COM 075887109 18 71 SH   DFND NONE 71 0 0
BHP GROUP LTD SPONSORED ADS 088606108 24 365 SH   DFND NONE 365 0 0
BANK NEW YORK MELLON CORP COM 064058100 3 75 SH   DFND NONE 75 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 88 1,425 SH   DFND NONE 1,425 0 0
BRISTOL-MYERS SQUIBB CO RIGHT 99/99/9999 110122157 1 95 SH   DFND NONE 95 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 7 29 SH   DFND NONE 29 0 0
AUTONATION INC COM 05329W102 11 130 SH   DFND NONE 130 0 0
CATERPILLAR INC DEL COM 149123101 56 310 SH   DFND NONE 310 0 0
CHUBB LIMITED COM H1467J104 15 97 SH   DFND NONE 97 0 0
CDK GLOBAL INC COM 12508E101 14 266 SH   DFND NONE 266 0 0
COLGATE PALMOLIVE CO COM 194162103 50 587 SH   DFND NONE 587 0 0
COMCAST CORP NEW CL A 20030N101 12 231 SH   DFND NONE 231 0 0
CISCO SYS INC COM 17275R102 135 3,024 SH   DFND NONE 3,024 0 0
CVS HEALTH CORP COM 126650100 4 61 SH   DFND NONE 61 0 0
CHEVRON CORP NEW COM 166764100 4 48 SH   DFND NONE 48 0 0
DEERE & CO COM 244199105 108 400 SH   DFND NONE 400 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 61 383 SH   DFND NONE 383 0 0
EQUIFAX INC COM 294429105 15 79 SH   DFND NONE 79 0 0
FACEBOOK INC CL A 30303M102 5 20 SH   DFND NONE 20 0 0
FEDEX CORP COM 31428X106 4 15 SH   DFND NONE 15 0 0
GENERAL MLS INC COM 370334104 59 1,000 SH   DFND NONE 1,000 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 5 127 SH   DFND NONE 127 0 0
HORMEL FOODS CORP COM 440452100 5 115 SH   DFND NONE 115 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 11 85 SH   DFND NONE 85 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 9 79 SH   DFND NONE 79 0 0
INTEL CORP COM 458140100 4 75 SH   DFND NONE 75 0 0
INTERNATIONAL PAPER CO COM 460146103 4 75 SH   DFND NONE 75 0 0
JOHNSON & JOHNSON COM 478160104 65 414 SH   DFND NONE 414 0 0
JPMORGAN CHASE & CO COM 46625H100 155 1,222 SH   DFND NONE 1,222 0 0
COCA COLA CO COM 191216100 71 1,299 SH   DFND NONE 1,299 0 0
LABORATORY CORP AMER HLDGS COM 50540R409 41 200 SH   DFND NONE 200 0 0
LINDE PLC SHS G5494J103 13 48 SH   DFND NONE 48 0 0
LILLY ELI & CO COM 532457108 12 71 SH   DFND NONE 71 0 0
SOUTHWEST AIRLS CO COM 844741108 4 80 SH   DFND NONE 80 0 0
MASTERCARD INCORPORATED CL A 57636Q104 22 61 SH   DFND NONE 61 0 0
MCDONALDS CORP COM 580135101 53 245 SH   DFND NONE 245 0 0
MEDTRONIC PLC SHS G5960L103 12 105 SH   DFND NONE 105 0 0
3M CO COM 88579Y101 17 95 SH   DFND NONE 95 0 0
MERCK & CO. INC COM 58933Y105 82 1,000 SH   DFND NONE 1,000 0 0
MICROSOFT CORP COM 594918104 85 382 SH   DFND NONE 382 0 0
NEWMONT CORP COM 651639106 28 472 SH   DFND NONE 472 0 0
OMNICOM GROUP INC COM 681919106 9 145 SH   DFND NONE 145 0 0
PEPSICO INC COM 713448108 113 761 SH   DFND NONE 761 0 0
PFIZER INC COM 717081103 74 2,000 SH   DFND NONE 2,000 0 0
PROCTER AND GAMBLE CO COM 742718109 28 202 SH   DFND NONE 202 0 0
PARKER-HANNIFIN CORP COM 701094104 10 36 SH   DFND NONE 36 0 0
PVH CORPORATION COM 693656100 2 25 SH   DFND NONE 25 0 0
QUALCOMM INC COM 747525103 3 22 SH   DFND NONE 22 0 0
REPUBLIC SVCS INC COM 760759100 6 60 SH   DFND NONE 60 0 0
STARBUCKS CORP COM 855244109 7 70 SH   DFND NONE 70 0 0
STERIS PLC SHS USD G8473T100 20 105 SH   DFND NONE 105 0 0
STATE STR CORP COM 857477103 44 600 SH   DFND NONE 600 0 0
CONSTELLATION BRANDS INC CLA 21036P108 10 45 SH   DFND NONE 45 0 0
STRYKER CORPORATION COM 863667101 23 95 SH   DFND NONE 95 0 0
SYSCO CORP COM 871829107 20 264 SH   DFND NONE 264 0 0
AT&T INC COM 00206R102 1 33 SH   DFND NONE 33 0 0
TIFFANY & CO NEW COM 886547108 4 30 SH   DFND NONE 30 0 0
TYSON FOODS INC CL A 902494103 4 62 SH   DFND NONE 62 0 0
UNILEVER PLC SPON ADR NEW 904767704 67 1,117 SH   DFND NONE 1,117 0 0
UNITEDHEALTH GROUP INC COM 91324P102 5 15 SH   DFND NONE 15 0 0
UNION PAC CORP COM 907818108 2 11 SH   DFND NONE 11 0 0
UNITED PARCEL SERVICE INC CL B 911312106 105 624 SH   DFND NONE 624 0 0
VISA INC COM CL A 92826C839 82 373 SH   DFND NONE 373 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 13 284 SH   DFND NONE 284 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 13 252 SH   DFND NONE 252 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 18 311 SH   DFND NONE 311 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 6 158 SH   DFND NONE 158 0 0
WELLS FARGO CO NEW COM 949746101 3 105 SH   DFND NONE 105 0 0
WASTE MGMT INC DEL COM 94106L109 122 1,036 SH   DFND NONE 1,036 0 0