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 2,377 53,467 SH   DFND NONE 53,467 0 0
ATHENE HOLDING LTD CL A G0684D107 1,510 18,124 SH   DFND NONE 18,124 0 0
BUNGE LIMITED COM G16962105 1,734 18,575 SH   DFND NONE 18,575 0 0
IHS MARKIT LTD SHS G47567105 2,050 15,421 SH   DFND NONE 15,421 0 0
INVESCO LTD SHS G491BT108 1,038 45,097 SH   DFND NONE 45,097 0 0
WASTE CONNECTIONS INC COM 94106B101 2,883 21,159 SH   DFND NONE 21,159 0 0
CHUBB LIMITED COM H1467J104 2,919 15,100 SH   DFND NONE 15,100 0 0
GARMIN LTD SHS H2906T109 2,680 19,684 SH   DFND NONE 19,684 0 0
LIBERTY GLOBAL PLC SHS CL A G5480U104 607 21,864 SH   DFND NONE 21,864 0 0
LIBERTY GLOBAL PLC SHS CL C G5480U120 1,343 47,825 SH   DFND NONE 47,825 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 5,450 13,146 SH   DFND NONE 13,146 0 0
ALLEGION PLC ORD SHS G0176J109 1,518 11,464 SH   DFND NONE 11,464 0 0
PENTAIR PLC SHS G7S00T104 1,598 21,878 SH   DFND NONE 21,878 0 0
JOHNSON CTLS INTL PLC SHS G51502105 2,518 30,972 SH   DFND NONE 30,972 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 2,933 25,165 SH   DFND NONE 25,165 0 0
AFLAC INC COM 001055102 3,259 55,807 SH   DFND NONE 55,807 0 0
AGNC INVT CORP COM 00123Q104 1,034 68,748 SH   DFND NONE 68,748 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 2,606 4,595 SH   DFND NONE 4,595 0 0
AGILENT TECHNOLOGIES INC COM 00846U101 2,655 16,627 SH   DFND NONE 16,627 0 0
ALEXANDRIA REAL ESTATE EQ IN COM 015271109 2,678 12,009 SH   DFND NONE 12,009 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 9,171 77,200 SH   DFND NONE 77,200 0 0
ALLIANT ENERGY CORP COM 018802108 2,064 33,584 SH   DFND NONE 33,584 0 0
ALLSTATE CORP COM 020002101 3,927 33,376 SH   DFND NONE 33,376 0 0
ALLY FINL INC COM 02005N100 2,214 46,513 SH   DFND NONE 46,513 0 0
ALPHABET INC CAP STK CL C 02079K107 6,363 2,199 SH   DFND NONE 2,199 0 0
ALPHABET INC CAP STK CL A 02079K305 8,245 2,846 SH   DFND NONE 2,846 0 0
AMAZON COM INC COM 023135106 16,062 4,817 SH   DFND NONE 4,817 0 0
AMERCO COM 023586100 940 1,295 SH   DFND NONE 1,295 0 0
AMEREN CORP COM 023608102 2,270 25,508 SH   DFND NONE 25,508 0 0
AMERICAN ELEC PWR CO INC COM 025537101 2,614 29,386 SH   DFND NONE 29,386 0 0
AMETEK INC COM 031100100 1,895 12,890 SH   DFND NONE 12,890 0 0
AMGEN INC COM 031162100 2,109 9,376 SH   DFND NONE 9,376 0 0
AMPHENOL CORP NEW CL A 032095101 3,395 38,813 SH   DFND NONE 38,813 0 0
ANALOG DEVICES INC COM 032654105 2,238 12,731 SH   DFND NONE 12,731 0 0
ANNALY CAPITAL MANAGEMENT IN COM 035710409 1,423 182,006 SH   DFND NONE 182,006 0 0
APPLE INC COM 037833100 41,053 231,192 SH   DFND NONE 231,192 0 0
APPLIED MATLS INC COM 038222105 2,940 18,685 SH   DFND NONE 18,685 0 0
ARCHER DANIELS MIDLAND CO COM 039483102 2,750 40,686 SH   DFND NONE 40,686 0 0
ARROW ELECTRS INC COM 042735100 1,247 9,285 SH   DFND NONE 9,285 0 0
ATMOS ENERGY CORP COM 049560105 1,747 16,673 SH   DFND NONE 16,673 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 4,394 17,820 SH   DFND NONE 17,820 0 0
AVALONBAY CMNTYS INC COM 053484101 3,014 11,931 SH   DFND NONE 11,931 0 0
AVERY DENNISON CORP COM 053611109 1,968 9,089 SH   DFND NONE 9,089 0 0
BAXTER INTL INC COM 071813109 2,305 26,852 SH   DFND NONE 26,852 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,687 15,675 SH   DFND NONE 15,675 0 0
BIO RAD LABS INC CL A 090572207 2,382 3,153 SH   DFND NONE 3,153 0 0
BLACKSTONE GROUP INC COM 09260D107 2,811 21,722 SH   DFND NONE 21,722 0 0
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 3,186 17,428 SH   DFND NONE 17,428 0 0
BROWN FORMAN CORP CL B 115637209 2,068 28,389 SH   DFND NONE 28,389 0 0
CIGNA CORP NEW COM 125523100 2,277 9,917 SH   DFND NONE 9,917 0 0
CMS ENERGY CORP COM 125896100 2,176 33,454 SH   DFND NONE 33,454 0 0
CSX CORP COM 126408103 1,941 51,613 SH   DFND NONE 51,613 0 0
CVS HEALTH CORP COM 126650100 2,695 26,129 SH   DFND NONE 26,129 0 0
CADENCE DESIGN SYSTEM INC COM 127387108 2,508 13,460 SH   DFND NONE 13,460 0 0
CAMDEN PPTY TR SH BEN INT 133131102 2,283 12,777 SH   DFND NONE 12,777 0 0
CAPITAL ONE FINL CORP COM 14040H105 3,259 22,460 SH   DFND NONE 22,460 0 0
CARLYLE GROUP INC COM 14316J108 1,105 20,136 SH   DFND NONE 20,136 0 0
CARRIER GLOBAL CORPORATION COM 14448C104 1,884 34,740 SH   DFND NONE 34,740 0 0
CELANESE CORP DEL COM 150870103 2,379 14,157 SH   DFND NONE 14,157 0 0
CERNER CORP COM 156782104 2,801 30,161 SH   DFND NONE 30,161 0 0
CHURCH & DWIGHT INC COM 171340102 3,037 29,633 SH   DFND NONE 29,633 0 0
CINCINNATI FINL CORP COM 172062101 2,277 19,990 SH   DFND NONE 19,990 0 0
CISCO SYS INC COM 17275R102 4,002 63,152 SH   DFND NONE 63,152 0 0
CITIGROUP INC COM NEW 172967424 2,542 42,095 SH   DFND NONE 42,095 0 0
CITIZENS FINANCIAL GROUP INC COM 174610105 2,507 53,065 SH   DFND NONE 53,065 0 0
COCA COLA CO COM 191216100 3,098 52,325 SH   DFND NONE 52,325 0 0
COLGATE PALMOLIVE CO COM 194162103 3,663 42,920 SH   DFND NONE 42,920 0 0
COMCAST CORP NEW CL A 20030N101 4,008 79,636 SH   DFND NONE 79,636 0 0
CONAGRA BRANDS INC COM 205887102 2,155 63,104 SH   DFND NONE 63,104 0 0
CONSOLIDATED EDISON INC COM 209115104 2,638 30,916 SH   DFND NONE 30,916 0 0
COOPER COS INC COM NEW 216648402 2,728 6,511 SH   DFND NONE 6,511 0 0
COPART INC COM 217204106 2,119 13,979 SH   DFND NONE 13,979 0 0
CORTEVA INC COM 22052L104 1,768 37,400 SH   DFND NONE 37,400 0 0
COSTCO WHSL CORP NEW COM 22160K105 3,705 6,527 SH   DFND NONE 6,527 0 0
CUMMINS INC COM 231021106 1,576 7,224 SH   DFND NONE 7,224 0 0
D R HORTON INC COM 23331A109 2,451 22,602 SH   DFND NONE 22,602 0 0
DTE ENERGY CO COM 233331107 2,269 18,982 SH   DFND NONE 18,982 0 0
DOLLAR GEN CORP NEW COM 256677105 2,313 9,808 SH   DFND NONE 9,808 0 0
DOVER CORP COM 260003108 2,551 14,047 SH   DFND NONE 14,047 0 0
DUKE REALTY CORP COM NEW 264411505 3,207 48,865 SH   DFND NONE 48,865 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 2,671 25,467 SH   DFND NONE 25,467 0 0
EBAY INC. COM 278642103 1,809 27,206 SH   DFND NONE 27,206 0 0
EMERSON ELEC CO COM 291011104 1,680 18,066 SH   DFND NONE 18,066 0 0
ENTERGY CORP NEW COM 29364G103 2,275 20,197 SH   DFND NONE 20,197 0 0
EPAM SYS INC COM 29414B104 2,868 4,291 SH   DFND NONE 4,291 0 0
EVERGY INC COM 30034W106 2,056 29,972 SH   DFND NONE 29,972 0 0
EVERSOURCE ENERGY COM 30040W108 2,095 23,029 SH   DFND NONE 23,029 0 0
EXELON CORP COM 30161N101 2,555 44,236 SH   DFND NONE 44,236 0 0
EXPEDITORS INTL WASH INC COM 302130109 2,298 17,111 SH   DFND NONE 17,111 0 0
EXTRA SPACE STORAGE INC COM 30225T102 2,841 12,529 SH   DFND NONE 12,529 0 0
FACEBOOK INC CL A 30303M102 4,739 14,089 SH   DFND NONE 14,089 0 0
FAIR ISAAC CORP COM 303250104 1,670 3,850 SH   DFND NONE 3,850 0 0
FASTENAL CO COM 311900104 2,723 42,501 SH   DFND NONE 42,501 0 0
FIFTH THIRD BANCORP COM 316773100 2,325 53,384 SH   DFND NONE 53,384 0 0
FIRST TR EXCHANGE TRADED FD WTR ETF 33733B100 19,510 205,804 SH   DFND NONE 205,804 0 0
FLEXSHARES TR MORNSTAR UPSTR 33939L407 126,011 3,190,957 SH   DFND NONE 3,190,957 0 0
FORD MTR CO DEL COM 345370860 1,814 87,345 SH   DFND NONE 87,345 0 0
FORTINET INC COM 34959E109 3,470 9,654 SH   DFND NONE 9,654 0 0
FORTIVE CORP COM 34959J108 2,041 26,748 SH   DFND NONE 26,748 0 0
FOX CORP CL B COM 35137L204 674 19,670 SH   DFND NONE 19,670 0 0
GALLAGHER ARTHUR J & CO COM 363576109 2,762 16,279 SH   DFND NONE 16,279 0 0
GARTNER INC COM 366651107 3,656 10,936 SH   DFND NONE 10,936 0 0
GENERAC HLDGS INC COM 368736104 1,325 3,764 SH   DFND NONE 3,764 0 0
GENERAL DYNAMICS CORP COM 369550108 2,924 14,027 SH   DFND NONE 14,027 0 0
GENERAL MLS INC COM 370334104 2,831 42,009 SH   DFND NONE 42,009 0 0
GENERAL MTRS CO COM 37045V100 2,218 37,824 SH   DFND NONE 37,824 0 0
GLOBAL X FDS GLOBAL X SILVER 37954Y848 37,609 1,025,316 SH   DFND NONE 1,025,316 0 0
GLOBAL X FDS LITHIUM BTRY ETF 37954Y855 17,439 206,520 SH   DFND NONE 206,520 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 2,896 7,569 SH   DFND NONE 7,569 0 0
GRAINGER W W INC COM 384802104 2,261 4,363 SH   DFND NONE 4,363 0 0
HERSHEY CO COM 427866108 3,668 18,961 SH   DFND NONE 18,961 0 0
HOLOGIC INC COM 436440101 2,356 30,774 SH   DFND NONE 30,774 0 0
HOME DEPOT INC COM 437076102 4,004 9,647 SH   DFND NONE 9,647 0 0
HONEYWELL INTL INC COM 438516106 1,891 9,067 SH   DFND NONE 9,067 0 0
HUMANA INC COM 444859102 1,694 3,652 SH   DFND NONE 3,652 0 0
IDEX CORP COM 45167R104 1,737 7,350 SH   DFND NONE 7,350 0 0
IDEXX LABS INC COM 45168D104 3,258 4,948 SH   DFND NONE 4,948 0 0
ILLINOIS TOOL WKS INC COM 452308109 3,019 12,231 SH   DFND NONE 12,231 0 0
INTEL CORP COM 458140100 2,551 49,541 SH   DFND NONE 49,541 0 0
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,610 19,084 SH   DFND NONE 19,084 0 0
INVESCO EXCHANGE TRADED FD T WATER RES ETF 46137V142 38,408 631,298 SH   DFND NONE 631,298 0 0
INVESCO EXCHNG TRADED FD TR S&P GBL WATER 46138E263 20,945 345,459 SH   DFND NONE 345,459 0 0
INVESCO EXCHNG TRADED FD TR GLOBAL WATER 46138E651 17,644 406,058 SH   DFND NONE 406,058 0 0
INVESCO EXCHNG TRADED FD TR SR LN ETF 46138G508 76,352 3,454,839 SH   DFND NONE 3,454,839 0 0
INVESCO EXCHNG TRADED FD TR VAR RATE PFD 46138G870 6,670 257,343 SH   DFND NONE 257,343 0 0
ISHARES INC JP MRGN EM HI BD 464286285 9,742 226,131 SH   DFND NONE 226,131 0 0
ISHARES INC MSCI GBL MIN VOL 464286525 157,185 1,451,655 SH   DFND NONE 1,451,655 0 0
ISHARES TR CORE S&P500 ETF 464287200 60,350 126,523 SH   DFND NONE 126,523 0 0
ISHARES TR CORE US AGGBD ET 464287226 129,686 1,136,797 SH   DFND NONE 1,136,797 0 0
ISHARES TR GL TIMB FORE ETF 464288174 22,867 248,472 SH   DFND NONE 248,472 0 0
ISHARES TR JPMORGAN USD EMG 464288281 122,181 1,120,312 SH   DFND NONE 1,120,312 0 0
ISHARES TR GLB INFRASTR ETF 464288372 165,222 3,471,770 SH   DFND NONE 3,471,770 0 0
ISHARES TR USD INV GRDE ETF 464288620 33,460 560,101 SH   DFND NONE 560,101 0 0
ISHARES TR PFD AND INCM SEC 464288687 34,517 875,399 SH   DFND NONE 875,399 0 0
ISHARES TR MICRO-CAP ETF 464288869 71,368 510,755 SH   DFND NONE 510,755 0 0
ISHARES SILVER TRUST ISHARES 46428Q109 46,036 2,140,225 SH   DFND NONE 2,140,225 0 0
ISHARES TR US TREAS BD ETF 46429B267 158,591 5,944,181 SH   DFND NONE 5,944,181 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 45,147 889,949 SH   DFND NONE 889,949 0 0
ISHARES TR CORE MSCI EAFE 46432F842 128,401 1,720,274 SH   DFND NONE 1,720,274 0 0
ISHARES INC CORE MSCI EMKT 46434G103 150,393 2,512,415 SH   DFND NONE 2,512,415 0 0
ISHARES TR 0-5YR INVT GR CP 46434V100 11,075 216,941 SH   DFND NONE 216,941 0 0
JOHNSON & JOHNSON COM 478160104 4,301 25,144 SH   DFND NONE 25,144 0 0
KLA CORP COM NEW 482480100 3,093 7,192 SH   DFND NONE 7,192 0 0
KELLOGG CO COM 487836108 2,103 32,651 SH   DFND NONE 32,651 0 0
KEURIG DR PEPPER INC COM 49271V100 2,501 67,854 SH   DFND NONE 67,854 0 0
KEYSIGHT TECHNOLOGIES INC COM 49338L103 3,495 16,926 SH   DFND NONE 16,926 0 0
KNIGHT-SWIFT TRANSN HLDGS IN CL A 499049104 1,216 19,949 SH   DFND NONE 19,949 0 0
KRAFT HEINZ CO COM 500754106 2,384 66,400 SH   DFND NONE 66,400 0 0
LKQ CORP COM 501889208 2,172 36,175 SH   DFND NONE 36,175 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 2,331 10,932 SH   DFND NONE 10,932 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 3,507 11,160 SH   DFND NONE 11,160 0 0
LAM RESEARCH CORP COM 512807108 3,606 5,014 SH   DFND NONE 5,014 0 0
LENNAR CORP CL A 526057104 2,458 21,157 SH   DFND NONE 21,157 0 0
LOCKHEED MARTIN CORP COM 539830109 2,049 5,766 SH   DFND NONE 5,766 0 0
LOEWS CORP COM 540424108 1,667 28,856 SH   DFND NONE 28,856 0 0
MARKEL CORP COM 570535104 2,251 1,824 SH   DFND NONE 1,824 0 0
MARSH & MCLENNAN COS INC COM 571748102 3,980 22,895 SH   DFND NONE 22,895 0 0
MASTERCARD INCORPORATED CL A 57636Q104 3,754 10,448 SH   DFND NONE 10,448 0 0
MERCK & CO. INC COM 58933Y105 1,543 20,136 SH   DFND NONE 20,136 0 0
METLIFE INC COM 59156R108 2,792 44,673 SH   DFND NONE 44,673 0 0
METTLER TOLEDO INTERNATIONAL COM 592688105 3,289 1,938 SH   DFND NONE 1,938 0 0
MICROSOFT CORP COM 594918104 34,731 103,268 SH   DFND NONE 103,268 0 0
MID-AMER APT CMNTYS INC COM 59522J103 3,504 15,270 SH   DFND NONE 15,270 0 0
MODERNA INC COM 60770K107 2,943 11,589 SH   DFND NONE 11,589 0 0
MOHAWK INDS INC COM 608190104 1,438 7,892 SH   DFND NONE 7,892 0 0
MONDELEZ INTL INC CL A 609207105 3,004 45,305 SH   DFND NONE 45,305 0 0
MONSTER BEVERAGE CORP NEW COM 61174X109 2,472 25,740 SH   DFND NONE 25,740 0 0
MOODYS CORP COM 615369105 2,827 7,237 SH   DFND NONE 7,237 0 0
MORGAN STANLEY COM NEW 617446448 2,543 25,907 SH   DFND NONE 25,907 0 0
MOSAIC CO NEW COM 61945C103 2,098 53,403 SH   DFND NONE 53,403 0 0
NASDAQ INC COM 631103108 3,031 14,435 SH   DFND NONE 14,435 0 0
NETAPP INC COM 64110D104 2,615 28,424 SH   DFND NONE 28,424 0 0
NORFOLK SOUTHN CORP COM 655844108 1,841 6,185 SH   DFND NONE 6,185 0 0
NORTHROP GRUMMAN CORP COM 666807102 3,078 7,953 SH   DFND NONE 7,953 0 0
NUCOR CORP COM 670346105 3,173 27,799 SH   DFND NONE 27,799 0 0
OLD DOMINION FREIGHT LINE IN COM 679580100 2,601 7,259 SH   DFND NONE 7,259 0 0
OWENS CORNING NEW COM 690742101 1,234 13,640 SH   DFND NONE 13,640 0 0
PAYCHEX INC COM 704326107 4,512 33,052 SH   DFND NONE 33,052 0 0
PEPSICO INC COM 713448108 4,819 27,743 SH   DFND NONE 27,743 0 0
PINNACLE WEST CAP CORP COM 723484101 1,053 14,922 SH   DFND NONE 14,922 0 0
POOL CORP COM 73278L105 2,481 4,383 SH   DFND NONE 4,383 0 0
PRICE T ROWE GROUP INC COM 74144T108 2,675 13,606 SH   DFND NONE 13,606 0 0
PROCTER AND GAMBLE CO COM 742718109 3,963 24,224 SH   DFND NONE 24,224 0 0
PROGRESSIVE CORP COM 743315103 2,282 22,230 SH   DFND NONE 22,230 0 0
PRUDENTIAL FINL INC COM 744320102 3,367 31,107 SH   DFND NONE 31,107 0 0
PUBLIC STORAGE COM 74460D109 2,937 7,842 SH   DFND NONE 7,842 0 0
PULTE GROUP INC COM 745867101 1,872 32,747 SH   DFND NONE 32,747 0 0
QUALCOMM INC COM 747525103 3,200 17,500 SH   DFND NONE 17,500 0 0
QUEST DIAGNOSTICS INC COM 74834L100 3,025 17,487 SH   DFND NONE 17,487 0 0
RPM INTL INC COM 749685103 1,650 16,337 SH   DFND NONE 16,337 0 0
REGENERON PHARMACEUTICALS COM 75886F107 2,433 3,852 SH   DFND NONE 3,852 0 0
REPUBLIC SVCS INC COM 760759100 3,206 22,993 SH   DFND NONE 22,993 0 0
ROBERT HALF INTL INC COM 770323103 1,609 14,428 SH   DFND NONE 14,428 0 0
ROCKWELL AUTOMATION INC COM 773903109 1,637 4,692 SH   DFND NONE 4,692 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 58,416 122,991 SH   DFND NONE 122,991 0 0
SPDR GOLD TR GOLD SHS 78463V107 47,353 276,985 SH   DFND NONE 276,985 0 0
SPDR INDEX SHS FDS GLB NAT RESRCE 78463X541 61,587 1,141,347 SH   DFND NONE 1,141,347 0 0
SPDR INDEX SHS FDS DJ INTL RL ETF 78463X863 88,195 2,477,388 SH   DFND NONE 2,477,388 0 0
SPDR SERIES TRUST BLMBRG BRC CNVRT 78464A359 60,208 725,751 SH   DFND NONE 725,751 0 0
SPDR SERIES TRUST FTSE INT GVT ETF 78464A490 18,370 341,395 SH   DFND NONE 341,395 0 0
SPDR SERIES TRUST BLOMBERG INTL TR 78464A516 52,495 1,856,899 SH   DFND NONE 1,856,899 0 0
SPDR SER TR BLOOMBERG SRT TR 78468R408 38,484 1,417,443 SH   DFND NONE 1,417,443 0 0
SPDR SERIES TRUST BLOOMBERG BRCLYS 78468R622 80,944 745,547 SH   DFND NONE 745,547 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 110,811 1,761,987 SH   DFND NONE 1,761,987 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 32,831 362,332 SH   DFND NONE 362,332 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 33,615 238,589 SH   DFND NONE 238,589 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 88,167 431,259 SH   DFND NONE 431,259 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 11,674 210,339 SH   DFND NONE 210,339 0 0
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 46,904 1,201,122 SH   DFND NONE 1,201,122 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 66,365 627,207 SH   DFND NONE 627,207 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 168,946 971,682 SH   DFND NONE 971,682 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 43,158 555,592 SH   DFND NONE 555,592 0 0
SEMPRA ENERGY COM 816851109 2,245 16,968 SH   DFND NONE 16,968 0 0
SHERWIN WILLIAMS CO COM 824348106 3,083 8,755 SH   DFND NONE 8,755 0 0
SMUCKER J M CO COM NEW 832696405 1,904 14,020 SH   DFND NONE 14,020 0 0
SNAP ON INC COM 833034101 1,432 6,651 SH   DFND NONE 6,651 0 0
SOUTHERN CO COM 842587107 2,730 39,807 SH   DFND NONE 39,807 0 0
STEEL DYNAMICS INC COM 858119100 1,712 27,574 SH   DFND NONE 27,574 0 0
SYNCHRONY FINANCIAL COM 87165B103 2,471 53,265 SH   DFND NONE 53,265 0 0
TARGET CORP COM 87612E106 2,368 10,231 SH   DFND NONE 10,231 0 0
TERADYNE INC COM 880770102 3,008 18,397 SH   DFND NONE 18,397 0 0
TESLA INC COM 88160R101 6,455 6,108 SH   DFND NONE 6,108 0 0
TEXAS INSTRS INC COM 882508104 3,441 18,259 SH   DFND NONE 18,259 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 2,211 3,313 SH   DFND NONE 3,313 0 0
3M CO COM 88579Y101 3,147 17,716 SH   DFND NONE 17,716 0 0
TRACTOR SUPPLY CO COM 892356106 2,042 8,560 SH   DFND NONE 8,560 0 0
TRAVELERS COMPANIES INC COM 89417E109 2,749 17,573 SH   DFND NONE 17,573 0 0
TRIMBLE INC COM 896239100 2,275 26,095 SH   DFND NONE 26,095 0 0
TYSON FOODS INC CL A 902494103 2,550 29,257 SH   DFND NONE 29,257 0 0
UGI CORP NEW COM 902681105 1,230 26,794 SH   DFND NONE 26,794 0 0
UNITEDHEALTH GROUP INC COM 91324P102 3,706 7,380 SH   DFND NONE 7,380 0 0
VANECK VECTORS ETF TR GOLD MINERS ETF 92189F106 86,028 2,685,843 SH   DFND NONE 2,685,843 0 0
VANECK VECTORS ETF TR INTL HIGH YIELD 92189F445 3,953 163,788 SH   DFND NONE 163,788 0 0
VANECK VECTORS ETF TR AGRIBUSINESS ETF 92189F700 69,622 729,633 SH   DFND NONE 729,633 0 0
VANECK VECTORS ETF TR JP MORGAN MKTS 92189H300 83,485 2,919,062 SH   DFND NONE 2,919,062 0 0
VANGUARD WHITEHALL FDS INC EMERG MKT BD ETF 921946885 9,977 128,475 SH   DFND NONE 128,475 0 0
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 44,455 805,924 SH   DFND NONE 805,924 0 0
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 121,698 908,468 SH   DFND NONE 908,468 0 0
VANGUARD SCOTTSDALE FDS MORTG-BACK SEC 92206C771 71,796 1,358,744 SH   DFND NONE 1,358,744 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 112,964 973,740 SH   DFND NONE 973,740 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 98,556 436,071 SH   DFND NONE 436,071 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 5,319 102,369 SH   DFND NONE 102,369 0 0
VIACOMCBS INC CL B 92556H206 2,484 82,310 SH   DFND NONE 82,310 0 0
VICI PPTYS INC COM 925652109 2,152 71,468 SH   DFND NONE 71,468 0 0
VISA INC COM CL A 92826C839 2,799 12,918 SH   DFND NONE 12,918 0 0
VOYA FINANCIAL INC COM 929089100 1,112 16,770 SH   DFND NONE 16,770 0 0
WEC ENERGY GROUP INC COM 92939U106 2,116 21,800 SH   DFND NONE 21,800 0 0
WALMART INC COM 931142103 2,418 16,709 SH   DFND NONE 16,709 0 0
WASTE MGMT INC DEL COM 94106L109 3,818 22,873 SH   DFND NONE 22,873 0 0
WEST PHARMACEUTICAL SVSC INC COM 955306105 3,290 7,015 SH   DFND NONE 7,015 0 0
WHIRLPOOL CORP COM 963320106 1,832 7,806 SH   DFND NONE 7,806 0 0
XCEL ENERGY INC COM 98389B100 2,100 31,019 SH   DFND NONE 31,019 0 0
ZEBRA TECHNOLOGIES CORPORATI CL A 989207105 2,648 4,449 SH   DFND NONE 4,449 0 0
ZOETIS INC CL A 98978V103 3,227 13,223 SH   DFND NONE 13,223 0 0
BECTON DICKINSON & CO COM 075887109 985 3,915 SH   DFND NONE 3,915 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 62 1,000 SH   DFND NONE 1,000 0 0
CATERPILLAR INC DEL COM 149123101 41 200 SH   DFND NONE 200 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 712 8,027 SH   DFND NONE 8,027 0 0
DEERE & CO COM 244199105 137 400 SH   DFND NONE 400 0 0
EQUIFAX INC COM 294429105 557 1,903 SH   DFND NONE 1,903 0 0
INTUIT COM 461202103 855 1,329 SH   DFND NONE 1,329 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 71 577 SH   DFND NONE 577 0 0
ISHARES TR RUS MD CP GR ETF 464287481 88 768 SH   DFND NONE 768 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 17 105 SH   DFND NONE 105 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 13 46 SH   DFND NONE 46 0 0
ISHARES TR EAFE SML CP ETF 464288273 29 392 SH   DFND NONE 392 0 0
ISHARES TR NATIONAL MUN ETF 464288414 422 3,631 SH   DFND NONE 3,631 0 0
ISHARES TR RUS TP200 VL ETF 464289420 162 2,308 SH   DFND NONE 2,308 0 0
LILLY ELI & CO COM 532457108 20 71 SH   DFND NONE 71 0 0
MCDONALDS CORP COM 580135101 66 245 SH   DFND NONE 245 0 0
NIKE INC CL B 654106103 939 5,634 SH   DFND NONE 5,634 0 0
OMNICOM GROUP INC COM 681919106 11 145 SH   DFND NONE 145 0 0
PARKER-HANNIFIN CORP COM 701094104 11 36 SH   DFND NONE 36 0 0
PFIZER INC COM 717081103 1,067 18,071 SH   DFND NONE 18,071 0 0
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 38 936 SH   DFND NONE 936 0 0
STARBUCKS CORP COM 855244109 672 5,745 SH   DFND NONE 5,745 0 0
STATE STR CORP COM 857477103 56 600 SH   DFND NONE 600 0 0
STRYKER CORPORATION COM 863667101 1,034 3,867 SH   DFND NONE 3,867 0 0
TJX COS INC NEW COM 872540109 435 5,734 SH   DFND NONE 5,734 0 0
UNILEVER PLC SPON ADR NEW 904767704 60 1,117 SH   DFND NONE 1,117 0 0
UNITED PARCEL SERVICE INC CL B 911312106 539 2,516 SH   DFND NONE 2,516 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 11 130 SH   DFND NONE 130 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 200 3,912 SH   DFND NONE 3,912 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 81 1,643 SH   DFND NONE 1,643 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 213 487 SH   DFND NONE 487 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 101 669 SH   DFND NONE 669 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 20 71 SH   DFND NONE 71 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 28 158 SH   DFND NONE 158 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1 8 SH   DFND NONE 8 0 0
BROADCOM INC COM 11135F101 72 108 SH   DFND NONE 108 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 84 383 SH   DFND NONE 383 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 6 127 SH   DFND NONE 127 0 0
JPMORGAN CHASE & CO COM 46625H100 216 1,366 SH   DFND NONE 1,366 0 0
LEXARIA BIOSCIENCE CORP COM NEW 52886N406 11 2,686 SH   DFND NONE 2,686 0 0
ORACLE CORP COM 68389X105 74 843 SH   DFND NONE 843 0 0
OVINTIV INC COM 69047Q102 27 787 SH   DFND NONE 787 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 205 2,610 SH   DFND NONE 2,610 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 11 148 SH   DFND NONE 148 0 0
VERISK ANALYTICS INC COM 92345Y106 261 1,139 SH   DFND NONE 1,139 0 0
LINDE PLC SHS G5494J103 17 48 SH   DFND NONE 48 0 0
MEDTRONIC PLC SHS G5960L103 11 105 SH   DFND NONE 105 0 0
STERIS PLC SHS USD G8473T100 26 105 SH   DFND NONE 105 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 2,691 23,824 SH   DFND NONE 23,824 0 0