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
ARCH CAP GROUP LTD ORD G0450A105 2,113 54,254 SH   DFND NONE 54,254 0 0
ATHENE HOLDING LTD CL A G0684D107 1,093 16,194 SH   DFND NONE 16,194 0 0
BUNGE LIMITED COM G16962105 1,397 17,882 SH   DFND NONE 17,882 0 0
IHS MARKIT LTD SHS G47567105 1,903 16,891 SH   DFND NONE 16,891 0 0
INVESCO LTD SHS G491BT108 1,369 51,207 SH   DFND NONE 51,207 0 0
WASTE CONNECTIONS INC COM 94106B101 2,947 19,902 SH   DFND NONE 19,902 0 0
CHUBB LIMITED COM H1467J104 1,602 10,082 SH   DFND NONE 10,082 0 0
GARMIN LTD SHS H2906T109 2,741 18,948 SH   DFND NONE 18,948 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,578 12,138 SH   DFND NONE 12,138 0 0
ALLEGION PLC ORD SHS G0176J109 1,541 11,066 SH   DFND NONE 11,066 0 0
PENTAIR PLC SHS G7S00T104 1,427 21,147 SH   DFND NONE 21,147 0 0
JOHNSON CTLS INTL PLC SHS G51502105 2,161 31,482 SH   DFND NONE 31,482 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 2,787 23,995 SH   DFND NONE 23,995 0 0
AFLAC INC COM 001055102 2,812 52,400 SH   DFND NONE 52,400 0 0
AGNC INVT CORP COM 00123Q104 1,226 72,597 SH   DFND NONE 72,597 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 2,768 4,726 SH   DFND NONE 4,726 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 3,106 21,014 SH   DFND NONE 21,014 0 0
ALEXANDRIA REAL ESTATE EQ IN COM 015271109 2,134 11,729 SH   DFND NONE 11,729 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 17,507 77,200 SH   DFND NONE 77,200 0 0
ALLIANT ENERGY CORP COM 018802108 1,844 33,062 SH   DFND NONE 33,062 0 0
ALLSTATE CORP COM 020002101 3,060 23,459 SH   DFND NONE 23,459 0 0
ALLY FINL INC COM 02005N100 2,407 48,299 SH   DFND NONE 48,299 0 0
ALPHABET INC CAP STK CL C 02079K107 9,143 3,648 SH   DFND NONE 3,648 0 0
ALPHABET INC CAP STK CL A 02079K305 9,936 4,069 SH   DFND NONE 4,069 0 0
AMAZON COM INC COM 023135106 18,972 5,515 SH   DFND NONE 5,515 0 0
AMERCO COM 023586100 772 1,310 SH   DFND NONE 1,310 0 0
AMEREN CORP COM 023608102 1,974 24,658 SH   DFND NONE 24,658 0 0
AMERICAN ELEC PWR CO INC COM 025537101 2,204 26,053 SH   DFND NONE 26,053 0 0
AMETEK INC COM 031100100 2,000 14,978 SH   DFND NONE 14,978 0 0
AMGEN INC COM 031162100 2,237 9,178 SH   DFND NONE 9,178 0 0
AMPHENOL CORP NEW CL A 032095101 2,507 36,645 SH   DFND NONE 36,645 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 2,652 298,696 SH   DFND NONE 298,696 0 0
APPLE INC COM 037833100 34,245 250,035 SH   DFND NONE 250,035 0 0
APPLIED MATLS INC COM 038222105 3,564 25,029 SH   DFND NONE 25,029 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 2,225 36,714 SH   DFND NONE 36,714 0 0
ARROW ELECTRS INC COM 042735100 1,118 9,820 SH   DFND NONE 9,820 0 0
ATMOS ENERGY CORP COM 049560105 1,680 17,485 SH   DFND NONE 17,485 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,708 13,635 SH   DFND NONE 13,635 0 0
AVERY DENNISON CORP COM 053611109 2,286 10,874 SH   DFND NONE 10,874 0 0
BAXTER INTL INC COM 071813109 2,079 25,828 SH   DFND NONE 25,828 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,942 14,184 SH   DFND NONE 14,184 0 0
BIO RAD LABS INC CL A 090572207 2,035 3,158 SH   DFND NONE 3,158 0 0
BLACKROCK INC COM 09247X101 2,365 2,703 SH   DFND NONE 2,703 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 2,798 17,324 SH   DFND NONE 17,324 0 0
BROWN FORMAN CORP CL B 115637209 2,067 27,587 SH   DFND NONE 27,587 0 0
CIGNA CORP NEW COM 125523100 2,054 8,663 SH   DFND NONE 8,663 0 0
CMS ENERGY CORP COM 125896100 1,957 33,126 SH   DFND NONE 33,126 0 0
CSX CORP COM 126408103 1,595 49,722 SH   DFND NONE 49,722 0 0
CVS HEALTH CORP COM 126650100 2,280 27,325 SH   DFND NONE 27,325 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 2,655 19,404 SH   DFND NONE 19,404 0 0
CARLYLE GROUP INC COM 14316J108 878 18,887 SH   DFND NONE 18,887 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 1,877 38,617 SH   DFND NONE 38,617 0 0
CELANESE CORP DEL COM 150870103 2,243 14,798 SH   DFND NONE 14,798 0 0
CERNER CORP COM 156782104 2,184 27,941 SH   DFND NONE 27,941 0 0
CHURCH & DWIGHT INC COM 171340102 2,383 27,961 SH   DFND NONE 27,961 0 0
CINCINNATI FINL CORP COM 172062101 2,237 19,181 SH   DFND NONE 19,181 0 0
CISCO SYS INC COM 17275R102 2,822 53,238 SH   DFND NONE 53,238 0 0
CITIGROUP INC COM NEW 172967424 2,442 34,519 SH   DFND NONE 34,519 0 0
CITIZENS FINANCIAL GROUP INC COM 174610105 2,276 49,623 SH   DFND NONE 49,623 0 0
CLOROX CO DEL COM 189054109 2,607 14,491 SH   DFND NONE 14,491 0 0
COCA COLA CO COM 191216100 2,315 42,792 SH   DFND NONE 42,792 0 0
COMCAST CORP NEW CL A 20030N101 4,804 84,250 SH   DFND NONE 84,250 0 0
CONAGRA BRANDS INC COM 205887102 2,267 62,307 SH   DFND NONE 62,307 0 0
CONSOLIDATED EDISON INC COM 209115104 2,108 29,386 SH   DFND NONE 29,386 0 0
COOPER COS INC COM NEW 216648402 2,884 7,277 SH   DFND NONE 7,277 0 0
COPART INC COM 217204106 1,826 13,850 SH   DFND NONE 13,850 0 0
CORTEVA INC COM 22052L104 2,018 45,508 SH   DFND NONE 45,508 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,698 6,819 SH   DFND NONE 6,819 0 0
CUMMINS INC COM 231021106 1,529 6,270 SH   DFND NONE 6,270 0 0
D R HORTON INC COM 23331A109 2,329 25,767 SH   DFND NONE 25,767 0 0
DTE ENERGY CO COM 233331107 1,865 14,391 SH   DFND NONE 14,391 0 0
DEERE & CO COM 244199105 2,044 5,796 SH   DFND NONE 5,796 0 0
DOLLAR GEN CORP NEW COM 256677105 2,421 11,190 SH   DFND NONE 11,190 0 0
DOVER CORP COM 260003108 1,865 12,385 SH   DFND NONE 12,385 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,994 20,198 SH   DFND NONE 20,198 0 0
EBAY INC. COM 278642103 2,670 38,030 SH   DFND NONE 38,030 0 0
EMERSON ELEC CO COM 291011104 1,575 16,363 SH   DFND NONE 16,363 0 0
ENTERGY CORP NEW COM 29364G103 1,952 19,577 SH   DFND NONE 19,577 0 0
ETSY INC COM 29786A106 2,889 14,036 SH   DFND NONE 14,036 0 0
EVERGY INC COM 30034W106 1,857 30,737 SH   DFND NONE 30,737 0 0
EVERSOURCE ENERGY COM 30040W108 1,928 24,034 SH   DFND NONE 24,034 0 0
EXELON CORP COM 30161N101 1,950 44,006 SH   DFND NONE 44,006 0 0
EXPEDITORS INTL WASH INC COM 302130109 2,351 18,568 SH   DFND NONE 18,568 0 0
FACEBOOK INC CL A 30303M102 6,039 17,367 SH   DFND NONE 17,367 0 0
FAIR ISAAC CORP COM 303250104 2,105 4,187 SH   DFND NONE 4,187 0 0
FASTENAL CO COM 311900104 2,238 43,040 SH   DFND NONE 43,040 0 0
F5 NETWORKS INC COM 315616102 1,590 8,520 SH   DFND NONE 8,520 0 0
FIFTH THIRD BANCORP COM 316773100 2,068 54,081 SH   DFND NONE 54,081 0 0
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100 12,014 221,248 SH   DFND NONE 221,248 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 101,269 3,379,102 SH   DFND NONE 3,379,102 0 0
FORD MTR CO DEL COM 345370860 3,175 213,642 SH   DFND NONE 213,642 0 0
FORTIVE CORP COM 34959J108 1,621 23,240 SH   DFND NONE 23,240 0 0
FOX CORP CL B COM 35137L204 784 22,265 SH   DFND NONE 22,265 0 0
FREEPORT-MCMORAN INC CL B 35671D857 2,149 57,918 SH   DFND NONE 57,918 0 0
GALLAGHER ARTHUR J & CO COM 363576109 2,478 17,692 SH   DFND NONE 17,692 0 0
GENERAC HLDGS INC COM 368736104 2,591 6,241 SH   DFND NONE 6,241 0 0
GENERAL DYNAMICS CORP COM 369550108 1,847 9,812 SH   DFND NONE 9,812 0 0
GENERAL MLS INC COM 370334104 2,604 42,731 SH   DFND NONE 42,731 0 0
GENERAL MTRS CO COM 37045V100 3,133 52,942 SH   DFND NONE 52,942 0 0
GLOBAL X FDS GLOBAL X SILVER 37954Y848 33,722 855,403 SH   DFND NONE 855,403 0 0
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 9,297 259,955 SH   DFND NONE 259,955 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 3,001 7,907 SH   DFND NONE 7,907 0 0
GRAINGER W W INC COM 384802104 1,719 3,925 SH   DFND NONE 3,925 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104 2,164 34,922 SH   DFND NONE 34,922 0 0
HERSHEY CO COM 427866108 3,055 17,537 SH   DFND NONE 17,537 0 0
HOLOGIC INC COM 436440101 2,400 35,966 SH   DFND NONE 35,966 0 0
HONEYWELL INTL INC COM 438516106 1,567 7,142 SH   DFND NONE 7,142 0 0
HORMEL FOODS CORP COM 440452100 1,838 38,493 SH   DFND NONE 38,493 0 0
HUMANA INC COM 444859102 2,145 4,846 SH   DFND NONE 4,846 0 0
HUNT J B TRANS SVCS INC COM 445658107 1,503 9,224 SH   DFND NONE 9,224 0 0
IDEX CORP COM 45167R104 1,534 6,972 SH   DFND NONE 6,972 0 0
IDEXX LABS INC COM 45168D104 3,052 4,832 SH   DFND NONE 4,832 0 0
ILLINOIS TOOL WKS INC COM 452308109 1,975 8,836 SH   DFND NONE 8,836 0 0
INTEL CORP COM 458140100 2,365 42,135 SH   DFND NONE 42,135 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,508 21,132 SH   DFND NONE 21,132 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 20,656 680,667 SH   DFND NONE 680,667 0 0
INVESCO EXCHNG TRADED FD TR S&P GBL WATER 46138E263 13,345 392,377 SH   DFND NONE 392,377 0 0
INVESCO EXCHNG TRADED FD TR GLOBAL WATER 46138E651 11,257 426,152 SH   DFND NONE 426,152 0 0
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 73,407 3,318,710 SH   DFND NONE 3,318,710 0 0
INVESCO EXCHNG TRADED FD TR VAR RATE PFD 46138G870 13,237 537,187 SH   DFND NONE 537,187 0 0
ISHARES INC JP MRGN EM HI BD 464286285 9,556 203,163 SH   DFND NONE 203,163 0 0
ISHARES INC MSCI CDA ETF 464286509 2,615 70,155 SH   DFND NONE 70,155 0 0
ISHARES TR CORE US AGGBD ET 464287226 123,633 1,092,135 SH   DFND NONE 1,092,135 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 98,867 1,792,685 SH   DFND NONE 1,792,685 0 0
ISHARES TR MSCI EAFE ETF 464287465 123,764 1,569,013 SH   DFND NONE 1,569,013 0 0
ISHARES TR GL TIMB FORE ETF 464288174 15,941 249,493 SH   DFND NONE 249,493 0 0
ISHARES TR JPMORGAN USD EMG 464288281 85,657 777,729 SH   DFND NONE 777,729 0 0
ISHARES TR GLB INFRASTR ETF 464288372 140,145 3,372,809 SH   DFND NONE 3,372,809 0 0
ISHARES TR USD INV GRDE ETF 464288620 70,334 1,192,058 SH   DFND NONE 1,192,058 0 0
ISHARES TR PFD AND INCM SEC 464288687 31,064 864,894 SH   DFND NONE 864,894 0 0
ISHARES TR MICRO-CAP ETF 464288869 42,585 454,083 SH   DFND NONE 454,083 0 0
ISHARES SILVER TRUST ISHARES 46428Q109 39,019 1,820,446 SH   DFND NONE 1,820,446 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 44,229 871,133 SH   DFND NONE 871,133 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 10,333 199,062 SH   DFND NONE 199,062 0 0
JOHNSON & JOHNSON COM 478160104 3,295 20,002 SH   DFND NONE 20,002 0 0
KLA CORP COM NEW 482480100 3,035 9,360 SH   DFND NONE 9,360 0 0
KELLOGG CO COM 487836108 2,075 32,248 SH   DFND NONE 32,248 0 0
KEURIG DR PEPPER INC COM 49271V100 2,643 75,003 SH   DFND NONE 75,003 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 2,568 16,628 SH   DFND NONE 16,628 0 0
KNIGHT-SWIFT TRANSN HLDGS IN CL A 499049104 754 16,595 SH   DFND NONE 16,595 0 0
KRAFT HEINZ CO COM 500754106 2,221 54,473 SH   DFND NONE 54,473 0 0
LKQ CORP COM 501889208 1,791 36,390 SH   DFND NONE 36,390 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 3,130 11,346 SH   DFND NONE 11,346 0 0
LAM RESEARCH CORP COM 512807108 3,419 5,254 SH   DFND NONE 5,254 0 0
LENNAR CORP CL A 526057104 2,548 25,649 SH   DFND NONE 25,649 0 0
LOCKHEED MARTIN CORP COM 539830109 2,220 5,867 SH   DFND NONE 5,867 0 0
LOWES COS INC COM 548661107 2,688 13,859 SH   DFND NONE 13,859 0 0
MARKEL CORP COM 570535104 2,105 1,774 SH   DFND NONE 1,774 0 0
MARSH & MCLENNAN COS INC COM 571748102 2,729 19,397 SH   DFND NONE 19,397 0 0
MASTERCARD INCORPORATED CL A 57636Q104 3,035 8,313 SH   DFND NONE 8,313 0 0
MAXIM INTEGRATED PRODS INC COM 57772K101 2,935 27,859 SH   DFND NONE 27,859 0 0
MERCK & CO. INC COM 58933Y105 2,484 31,937 SH   DFND NONE 31,937 0 0
METLIFE INC COM 59156R108 2,586 43,212 SH   DFND NONE 43,212 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 3,163 2,283 SH   DFND NONE 2,283 0 0
MICROSOFT CORP COM 594918104 28,233 104,221 SH   DFND NONE 104,221 0 0
MICRON TECHNOLOGY INC COM 595112103 2,575 30,297 SH   DFND NONE 30,297 0 0
MOHAWK INDS INC COM 608190104 1,484 7,720 SH   DFND NONE 7,720 0 0
MONDELEZ INTL INC CL A 609207105 2,568 41,135 SH   DFND NONE 41,135 0 0
MONSTER BEVERAGE CORP NEW COM 61174X109 2,820 30,872 SH   DFND NONE 30,872 0 0
MOODYS CORP COM 615369105 2,476 6,834 SH   DFND NONE 6,834 0 0
MORGAN STANLEY COM NEW 617446448 2,872 31,318 SH   DFND NONE 31,318 0 0
MOSAIC CO NEW COM 61945C103 1,541 48,298 SH   DFND NONE 48,298 0 0
NASDAQ INC COM 631103108 2,531 14,395 SH   DFND NONE 14,395 0 0
NEXTERA ENERGY INC COM 65339F101 1,002 13,667 SH   DFND NONE 13,667 0 0
NORFOLK SOUTHN CORP COM 655844108 1,595 6,008 SH   DFND NONE 6,008 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,972 5,425 SH   DFND NONE 5,425 0 0
NUCOR CORP COM 670346105 2,209 23,025 SH   DFND NONE 23,025 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100 2,152 8,480 SH   DFND NONE 8,480 0 0
ORACLE CORP COM 68389X105 2,873 36,908 SH   DFND NONE 36,908 0 0
OWENS CORNING NEW COM 690742101 1,312 13,406 SH   DFND NONE 13,406 0 0
PARKER-HANNIFIN CORP COM 701094104 1,731 5,636 SH   DFND NONE 5,636 0 0
PAYCHEX INC COM 704326107 2,879 26,835 SH   DFND NONE 26,835 0 0
PEPSICO INC COM 713448108 3,402 22,961 SH   DFND NONE 22,961 0 0
PINNACLE WEST CAP CORP COM 723484101 1,231 15,013 SH   DFND NONE 15,013 0 0
POOL CORP COM 73278L105 2,169 4,728 SH   DFND NONE 4,728 0 0
PRICE T ROWE GROUP INC COM 74144T108 3,199 16,159 SH   DFND NONE 16,159 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 2,279 36,073 SH   DFND NONE 36,073 0 0
PROCTER AND GAMBLE CO COM 742718109 3,100 22,974 SH   DFND NONE 22,974 0 0
PROGRESSIVE CORP COM 743315103 2,634 26,821 SH   DFND NONE 26,821 0 0
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 1,889 31,623 SH   DFND NONE 31,623 0 0
PUBLIC STORAGE COM 74460D109 2,494 8,295 SH   DFND NONE 8,295 0 0
QUALCOMM INC COM 747525103 2,603 18,215 SH   DFND NONE 18,215 0 0
QUEST DIAGNOSTICS INC COM 74834L100 2,325 17,618 SH   DFND NONE 17,618 0 0
RPM INTL INC COM 749685103 1,529 17,238 SH   DFND NONE 17,238 0 0
REGENERON PHARMACEUTICALS COM 75886F107 2,641 4,728 SH   DFND NONE 4,728 0 0
REPUBLIC SVCS INC COM 760759100 2,007 18,241 SH   DFND NONE 18,241 0 0
ROBERT HALF INTL INC COM 770323103 1,345 15,115 SH   DFND NONE 15,115 0 0
ROCKWELL AUTOMATION INC COM 773903109 2,295 8,025 SH   DFND NONE 8,025 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 190,748 445,610 SH   DFND NONE 445,610 0 0
SPDR GOLD TRUST GOLD SHS 78463V107 47,499 278,698 SH   DFND NONE 278,698 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 52,665 1,253,217 SH   DFND NONE 1,253,217 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 80,359 2,353,832 SH   DFND NONE 2,353,832 0 0
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 56,669 945,901 SH   DFND NONE 945,901 0 0
SPDR SERIES TRUST FTSE INT GVT ETF 78464A490 15,906 297,787 SH   DFND NONE 297,787 0 0
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 49,811 1,713,568 SH   DFND NONE 1,713,568 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 31,453 1,152,671 SH   DFND NONE 1,152,671 0 0
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 77,835 729,059 SH   DFND NONE 729,059 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 100,297 1,732,192 SH   DFND NONE 1,732,192 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 21,993 267,198 SH   DFND NONE 267,198 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 23,782 188,817 SH   DFND NONE 188,817 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 63,553 355,940 SH   DFND NONE 355,940 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 21,543 399,898 SH   DFND NONE 399,898 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 75,401 2,055,077 SH   DFND NONE 2,055,077 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 67,623 660,383 SH   DFND NONE 660,383 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 113,702 770,027 SH   DFND NONE 770,027 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 45,098 556,967 SH   DFND NONE 556,967 0 0
SEMPRA ENERGY COM 816851109 2,170 16,379 SH   DFND NONE 16,379 0 0
SHERWIN WILLIAMS CO COM 824348106 2,508 9,204 SH   DFND NONE 9,204 0 0
SKYWORKS SOLUTIONS INC COM 83088M102 2,817 14,693 SH   DFND NONE 14,693 0 0
SMUCKER J M CO COM NEW 832696405 1,921 14,824 SH   DFND NONE 14,824 0 0
SNAP ON INC COM 833034101 1,446 6,473 SH   DFND NONE 6,473 0 0
SOUTHERN CO COM 842587107 2,019 33,360 SH   DFND NONE 33,360 0 0
STEEL DYNAMICS INC COM 858119100 1,444 24,224 SH   DFND NONE 24,224 0 0
SYNCHRONY FINANCIAL COM 87165B103 2,411 49,689 SH   DFND NONE 49,689 0 0
TARGET CORP COM 87612E106 2,833 11,718 SH   DFND NONE 11,718 0 0
TERADYNE INC COM 880770102 2,741 20,459 SH   DFND NONE 20,459 0 0
TEXAS INSTRS INC COM 882508104 3,691 19,194 SH   DFND NONE 19,194 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 2,230 4,421 SH   DFND NONE 4,421 0 0
3M CO COM 88579Y101 2,552 12,849 SH   DFND NONE 12,849 0 0
TRACTOR SUPPLY CO COM 892356106 2,132 11,461 SH   DFND NONE 11,461 0 0
TRAVELERS COMPANIES INC COM 89417E109 2,275 15,196 SH   DFND NONE 15,196 0 0
TRIMBLE INC COM 896239100 2,646 32,336 SH   DFND NONE 32,336 0 0
TYSON FOODS INC CL A 902494103 2,010 27,250 SH   DFND NONE 27,250 0 0
UGI CORP NEW COM 902681105 1,233 26,618 SH   DFND NONE 26,618 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,869 8,988 SH   DFND NONE 8,988 0 0
UNITED RENTALS INC COM 911363109 1,499 4,700 SH   DFND NONE 4,700 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,671 6,669 SH   DFND NONE 6,669 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 75,550 2,346,685 SH   DFND NONE 2,346,685 0 0
VANECK VECTORS ETF TR INTL HIGH YIELD 92189F445 3,393 139,223 SH   DFND NONE 139,223 0 0
VANECK VECTORS ETF TR AGRIBUSINESS ETF 92189F700 45,292 728,830 SH   DFND NONE 728,830 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 59,250 1,684,693 SH   DFND NONE 1,684,693 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 13,756 173,508 SH   DFND NONE 173,508 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 44,197 775,709 SH   DFND NONE 775,709 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 89,699 879,228 SH   DFND NONE 879,228 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 71,427 1,345,418 SH   DFND NONE 1,345,418 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 129,157 1,537,185 SH   DFND NONE 1,537,185 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 29,592 196,227 SH   DFND NONE 196,227 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 100,185 661,134 SH   DFND NONE 661,134 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 5,158 92,066 SH   DFND NONE 92,066 0 0
VIACOMCBS INC CL B 92556H206 3,535 78,201 SH   DFND NONE 78,201 0 0
VICI PPTYS INC COM 925652109 2,170 69,949 SH   DFND NONE 69,949 0 0
VISA INC COM CL A 92826C839 2,434 10,410 SH   DFND NONE 10,410 0 0
WEC ENERGY GROUP INC COM 92939U106 1,972 22,172 SH   DFND NONE 22,172 0 0
WALMART INC COM 931142103 2,266 16,069 SH   DFND NONE 16,069 0 0
WASTE MGMT INC DEL COM 94106L109 2,224 15,871 SH   DFND NONE 15,871 0 0
WHIRLPOOL CORP COM 963320106 1,781 8,169 SH   DFND NONE 8,169 0 0
XCEL ENERGY INC COM 98389B100 1,883 28,583 SH   DFND NONE 28,583 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 3,214 6,070 SH   DFND NONE 6,070 0 0
ZOETIS INC CL A 98978V103 2,257 12,111 SH   DFND NONE 12,111 0 0
BECTON DICKINSON & CO COM 075887109 661 2,719 SH   DFND NONE 2,719 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 95 1,425 SH   DFND NONE 1,425 0 0
CATERPILLAR INC DEL COM 149123101 44 200 SH   DFND NONE 200 0 0
CHEVRON CORP NEW COM 166764100 5 48 SH   DFND NONE 48 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 372 5,364 SH   DFND NONE 5,364 0 0
COLGATE PALMOLIVE CO COM 194162103 48 587 SH   DFND NONE 587 0 0
ECHOSTAR CORP CL A 278768106 15 500 SH   DFND NONE 500 0 0
EQUIFAX INC COM 294429105 304 1,269 SH   DFND NONE 1,269 0 0
HOME DEPOT INC COM 437076102 317 993 SH   DFND NONE 993 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 22 148 SH   DFND NONE 148 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 12 79 SH   DFND NONE 79 0 0
INTUIT COM 461202103 533 1,087 SH   DFND NONE 1,087 0 0
LILLY ELI & CO COM 532457108 16 71 SH   DFND NONE 71 0 0
MCDONALDS CORP COM 580135101 57 245 SH   DFND NONE 245 0 0
NEWMONT CORP COM 651639106 39 622 SH   DFND NONE 622 0 0
NIKE INC CL B 654106103 572 3,703 SH   DFND NONE 3,703 0 0
OMNICOM GROUP INC COM 681919106 12 145 SH   DFND NONE 145 0 0
PFIZER INC COM 717081103 463 11,813 SH   DFND NONE 11,813 0 0
PHILIP MORRIS INTL INC COM 718172109 22 175 SH   DFND NONE 175 0 0
STARBUCKS CORP COM 855244109 410 3,671 SH   DFND NONE 3,671 0 0
STATE STR CORP COM 857477103 49 600 SH   DFND NONE 600 0 0
STRYKER CORPORATION COM 863667101 632 2,433 SH   DFND NONE 2,433 0 0
TJX COS INC NEW COM 872540109 238 3,527 SH   DFND NONE 3,527 0 0
UNILEVER PLC SPON ADR NEW 904767704 65 1,117 SH   DFND NONE 1,117 0 0
V F CORP COM 918204108 2 27 SH   DFND NONE 27 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 13 130 SH   DFND NONE 130 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 18 284 SH   DFND NONE 284 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17 252 SH   DFND NONE 252 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 8 158 SH   DFND NONE 158 0 0
WELLS FARGO CO NEW COM 949746101 15 330 SH   DFND NONE 330 0 0
CDK GLOBAL INC COM 12508E101 16 266 SH   DFND NONE 266 0 0
BCE INC PUT 05534B950 320 5,232 SH   DFND NONE 5,232 0 0
BROOKFIELD INFRASTRUCTURE CO COM SB VTG SHS A 11275Q107 18 200 SH   DFND NONE 200 0 0
CONSTELLATION BRANDS INC CL A 21036P108 11 45 SH   DFND NONE 45 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 91 383 SH   DFND NONE 383 0 0
FEDEX CORP COM 31428X106 12 40 SH   DFND NONE 40 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 6 127 SH   DFND NONE 127 0 0
JPMORGAN CHASE & CO COM 46625H100 186 1,199 SH   DFND NONE 1,199 0 0
LEXARIA BIOSCIENCE CORP COM NEW 52886N406 23 2,686 SH   DFND NONE 2,686 0 0
OVINTIV INC COM 69047Q102 65 1,670 SH   DFND NONE 1,670 0 0
PRECISION DRILLING CORP COM NEW 74022D407 7 139 SH   DFND NONE 139 0 0
SPDR INDEX SHS FDS EURO STOXX 50 78463X202 15 250 SH   DFND NONE 250 0 0
VERISK ANALYTICS INC COM 92345Y106 119 681 SH   DFND NONE 681 0 0
VIATRIS INC COM 92556V106 18 1,248 SH   DFND NONE 1,248 0 0
LINDE PLC SHS G5494J103 14 48 SH   DFND NONE 48 0 0
MEDTRONIC PLC SHS G5960L103 13 105 SH   DFND NONE 105 0 0
STERIS PLC SHS USD G8473T100 22 105 SH   DFND NONE 105 0 0