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
A T & T INC (NEW) COM 00206R102 4,667 271,757 SH   SOLE   271,180 0 577
ABBOTT LABS COM 002824100 769 7,948 SH   SOLE   7,948 0 0
ABBVIE INC COM COM 00287Y109 7,938 55,671 SH   SOLE   55,555 0 116
AIM TAX EXEMPT FDS INVESCO TAX MUTUAL FUNDS 001419555 467 40,971 SH   SOLE   40,971 0 0
ALPHABET CLASS C COM 02079K107 6,809 71,549 SH   DFND   70,551 855 143
ALPS ETF TR RIVERFRNT DYMC COM 00162Q528 32,574 836,509 SH   SOLE   836,509 0 0
ALPS ETF TR RIVERFRNT FLEX COM 00162Q510 9,452 253,901 SH   SOLE   253,901 0 0
ALPS ETF TR RIVERFRNT STR INC ETF - FIXED INCO 00162Q783 4,740 213,247 SH   SOLE   213,247 0 0
ALPS ETF TR RIVERFRONT DYM COM 00162Q536 21,516 987,757 SH   SOLE   987,757 0 0
AMAZON COM INC COM COM 023135106 11,903 112,880 SH   DFND   111,484 1,192 204
APPLE COMPUTER INC COM 037833100 25,737 171,486 SH   DFND   170,285 1,008 193
BERKSHIRE HATHAWAY INC DEL CL COM 084670702 2,622 9,818 SH   SOLE   9,818 0 0
BOEING CO COM COM 097023105 242 2,000 SH   SOLE   2,000 0 0
CATERPILLAR INC COM COM 149123101 11,568 57,402 SH   SOLE   57,286 0 116
COCA COLA CO COM 191216100 269 4,800 SH   SOLE   4,800 0 0
COMMUNICATION SERVICES SELECT COM 81369Y852 17,691 367,157 SH   SOLE   367,130 0 27
DISNEY WALT PRODTNS COM 254687106 453 4,800 SH   SOLE   4,800 0 0
EOG RES INC COM COM 26875P101 12,409 96,431 SH   SOLE   96,242 0 189
FIRST TR EXCH TRADED FD III RI COM 33739P707 4,429 96,190 SH   SOLE   96,190 0 0
FIRST TR EXCH TRADED FD III RI COM 33739P608 17,728 383,893 SH   SOLE   383,893 0 0
GLOBAL X FDS FTSE NORDIC RE COM 37950E101 5,831 247,795 SH   DFND   242,710 4,535 550
GLOBAL X FDS US INFR DEV ET COM 37954Y673 679 29,466 SH   DFND   15,162 14,179 125
GOLDMAN SACHS ETF TR EQUITY ET COM 381430503 195,241 2,572,033 SH   DFND   2,544,447 24,919 2,667
HARTFORD FINL SVCS GROUP INC C COM 416515104 5,280 77,134 SH   DFND   75,461 1,501 172
HUNTINGTON BANCSHARES INC COM COM 446150104 181 13,710 SH   SOLE   13,710 0 0
Invesco QQQ Trust COM 46090E103 50,779 185,425 SH   DFND   179,925 4,983 517
INVESCO EXCHNG TRADED FD TR KB COM 46138E628 3,611 69,675 SH   SOLE   69,522 0 153
INVESCO NASDAQ 100 ETF COM 46138G649 2,495 22,692 SH   SOLE   22,591 0 101
INVESCO S&P 500 HIGH BETA ETF COM 46138E370 365 6,355 SH   DFND   0 6,355 0
ISHARES CORE DIVIDEND GROWTH E COM 46434V621 19,577 401,821 SH   SOLE   401,792 0 29
ISHARES GENOMICS IMMUNOLOGY AN COM 46435U192 614 23,268 SH   SOLE   23,268 0 0
ISHARES INC CORE MSCI EMKT COM 46434G103 33,999 799,202 SH   DFND   779,618 17,826 1,758
ISHARES INC MSCI EMRG CHN ETF - EQUITY 46434G764 15,609 342,409 SH   SOLE   341,670 0 739
ISHARES INC MSCI GERMAN COM 464286806 1,286 65,135 SH   SOLE   65,135 0 0
ISHARES TR 0-3 MNTH TREASRY COM 46436E718 322 3,214 SH   SOLE   3,214 0 0
ISHARES TR 0-5YR HI YL CP COM 46434V407 84,607 2,093,288 SH   DFND   2,023,475 64,363 5,450
ISHARES TR 20 YR TRS BD COM 464287432 14,990 151,537 SH   DFND   148,620 2,459 458
ISHARES TR CORE MSCI EAFE COM 46432F842 15,550 282,326 SH   SOLE   281,779 0 547
ISHARES TR DJ MED DEVICES COM 464288810 12,568 255,164 SH   DFND   249,980 4,632 552
ISHARES TR DJ OIL&GAS EXP COM 464288851 202 2,430 SH   SOLE   2,392 0 38
ISHARES TR DJ US FINL SVC COM 464287770 87,254 558,526 SH   DFND   553,656 4,452 418
ISHARES TR DJ US TECH SEC COM 464287721 63,999 845,585 SH   DFND   841,227 3,012 1,346
ISHARES TR FLTG RATE NT COM 46429B655 595 11,828 SH   SOLE   11,828 0 0
ISHARES TR HDG MSCI EAFE COM 46434V803 96,349 3,059,046 SH   SOLE   3,057,591 0 1,455
ISHARES TR LEHMAN 10-20YR COM 464288653 73,867 702,490 SH   DFND   695,578 6,314 598
ISHARES TR LEHMAN AGG BND COM 464287226 19,839 206,318 SH   SOLE   206,318 0 0
ISHARES TR MBS FIXED BDFD COM 464288588 56,478 624,584 SH   SOLE   624,537 0 47
ISHARES TR MSCI EAFE IDX COM 464287465 300 5,360 SH   SOLE   5,360 0 0
ISHARES TR MSCI EMERG MKT COM 464287234 223 6,394 SH   SOLE   6,394 0 0
ISHARES TR MSCI GRW IDX COM 464288885 915 12,615 SH   DFND   2,578 10,037 0
ISHARES TR MSCI VAL IDX COM 464288877 30,481 753,729 SH   SOLE   752,013 0 1,716
ISHARES TR RUSSELL1000GRW COM 464287614 396 1,881 SH   SOLE   1,881 0 0
ISHARES TR S&P 500 INDEX COM 464287200 239,821 623,438 SH   SOLE   623,377 0 61
ISHARES TR S&P GLO INFRAS COM 464288372 1,995 47,702 SH   SOLE   47,702 0 0
ISHARES TR S&P LTN AM 40 COM 464287390 5,580 217,406 SH   SOLE   217,145 0 261
ISHARES TR S&P NA SOFTWR COM 464287515 320 1,280 SH   DFND   0 1,280 0
ISHARES TR S&P NATL MUN B COM 464288414 749 7,298 SH   SOLE   7,298 0 0
ISHARES TR US PFD STK IDX COM 464288687 828 26,139 SH   SOLE   26,139 0 0
J P MORGAN EXCHANGE TRADED FD COM 46654Q203 41,078 957,034 SH   SOLE   956,477 0 557
J P MORGAN EXCHANGE-TRADED FD COM 46641Q225 22,495 400,528 SH   DFND   395,554 4,101 873
J P MORGAN EXCHANGE-TRADED FEQ ETF - EQUITY 46641Q332 48,592 918,402 SH   DFND   899,091 17,497 1,814
KINDER MORGAN INC DEL COM COM 49456B101 6,284 355,759 SH   DFND   345,471 9,543 745
MCDONALDS CORP COM COM 580135101 554 2,400 SH   SOLE   2,400 0 0
MICROSOFT CORP COM COM 594918104 31,282 134,651 SH   DFND   133,489 1,026 136
PEPSICO INC COM COM 713448108 622 3,811 SH   SOLE   3,811 0 0
PROLOGIS INC. COM COM 74340W103 19,868 182,399 SH   DFND   180,494 1,726 179
RIO TINTO PLC SPONSORED ADR COM 767204100 3,802 70,618 SH   SOLE   70,467 0 151
SELECT SECTOR SPDR TR SBI CONS COM 81369Y308 30,482 421,837 SH   SOLE   421,736 0 101
SELECT SECTOR SPDR TR SBI CONS COM 81369Y407 34,668 240,956 SH   SOLE   240,928 0 28
SELECT SECTOR SPDR TR SBI HEAL COM 81369Y209 69,025 523,783 SH   SOLE   523,714 0 69
SELECT SECTOR SPDR TR SBI INT- COM 81369Y506 59,454 681,174 SH   DFND   676,255 4,425 494
SELECT SECTOR SPDR TR SBI INT- COM 81369Y704 21,695 232,014 SH   SOLE   231,997 0 17
SELECT SECTOR SPDR TR SBI INT- COM 81369Y803 77,725 611,056 SH   SOLE   611,010 0 46
SELECT SECTOR SPDR TR SBI MATE COM 81369Y100 16,792 227,898 SH   SOLE   227,881 0 17
SPDR SER TR CAP S/T HI YLD COM 78468R408 19,081 793,810 SH   SOLE   791,469 0 2,341
SPDR SERIES TRUST BARC CAPTL E COM 78464A474 68,315 2,345,358 SH   SOLE   2,345,180 0 178
SPDR SERIES TRUST PORTFOLIO AG COM 78464A649 184,871 7,507,289 SH   SOLE   7,506,700 0 589
SSGA ACTIVE ETF TR BLKSTN GSOS COM 78467V608 101,444 2,456,825 SH   SOLE   2,456,642 0 183
STRYKER CORP COM COM 863667101 1,672 8,257 SH   SOLE   8,257 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102 11,050 20,531 SH   DFND   20,093 397 41
VANGUARD 500 INDEX FUND MUTUAL FUNDS 922908710 977 2,954 SH   SOLE   2,954 0 0
VANGUARD BD INDEX FD INC TOTAL COM 921937835 165,602 2,351,349 SH   SOLE   2,351,170 0 179
VANGUARD SCOTTSDALE FDS INT-TE COM 92206C706 52,523 908,261 SH   SOLE   908,193 0 68
VANGUARD SCOTTSDALE FDS INT-TE COM 92206C870 110,658 1,471,543 SH   SOLE   1,471,431 0 112
VANGUARD SCOTTSDALE FDS MORTG- COM 92206C771 343 7,612 SH   SOLE   7,612 0 0
VANGUARD SCOTTSDALE FDS SHRT-T COM 92206C409 117,968 1,593,890 SH   DFND   1,589,966 3,804 120
WAL MART STORES INC COM 931142103 9,008 65,179 SH   SOLE   65,044 0 135
WHIRLPOOL CORP COM 963320106 1,348 10,000 SH   SOLE   10,000 0 0
WISDOMTREE TR EUROPE HEDGED COM 97717X701 820 13,184 SH   SOLE   13,184 0 0