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
Expires: July 31, 2015
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
ABBOTT LABORATORIES COM Stock 002824100 221,665 2,159 SH DFND 1,2 0 0 2,159
ABRDN PHYSICAL GOLD SHARES ETF ETF 00326A104 1,029,607 23,075 SH DFND 1,2 0 0 23,075
ADOBE INC COM Stock 00724F101 549,118 2,259 SH DFND 1,2 0 0 2,259
AFFILIATED MANAGERS GROUP COM Stock 008252108 364,967 1,319 SH DFND 1,2 0 0 1,319
AMAZON COM INC COM Stock 023135106 824,749 3,960 SH DFND 1,2 3,960 0 0
APPLE INC COM Stock 037833100 1,952,660 7,694 SH DFND 1,2 0 0 7,694
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 451,760 2,205 SH DFND 1,2 0 0 2,205
BLACKROCK INCOME TR INC COM NEW CEF 09247F209 301,086 28,485 SH DFND 1,2 0 0 28,485
BLACKROCK CORE BD TR SHS BEN INT CEF 09249E101 270,660 29,548 SH DFND 1,2 0 0 29,548
ISHARES SHORT DURATION HIGH YIELD MUNI ACTIVE ETF ETF 092528108 1,444,512 65,600 SH DFND 1,2 0 0 65,600
ISHARES HIGH YIELD MUNI ACTIVE ETF ETF 092528843 29,448,829 613,773 SH DFND 1,2 64,904 0 548,869
BOEING CO COM Stock 097023105 218,933 1,100 SH DFND 1,2 0 0 1,100
CBRE GROUP INC CL A Stock 12504L109 270,920 2,000 SH DFND 1,2 0 0 2,000
CATERPILLAR INC COM Stock 149123101 425,076 600 SH DFND 1,2 0 0 600
D R HORTON INC COM Stock 23331A109 672,515 4,901 SH DFND 1,2 0 0 4,901
DIMENSIONAL U.S. SMALL CAP ETF ETF 25434V500 271,219 3,813 SH DFND 1,2 0 0 3,813
TCW TRANSFORM 500 ETF ETF 29287L106 5,175,276 67,828 SH DFND 1,2 52,000 0 15,828
FIRST TRUST SMITH UNCONSTRAINED BOND ETF ETF 33740F888 6,480,550 261,629 SH DFND 1,2 49,965 0 211,664
FLEXSHARES MORNINGSTAR GLOBAL UPSTREAM NATURAL RESOURCES INDEX FUND ETF 33939L407 286,005 5,185 SH DFND 1,2 0 0 5,185
GALAXY DIGITAL INC. CL A Stock 36317J209 3,228,750 175,000 SH DFND 1,2 0 0 175,000
GOLDMAN SACHS GROUP INC COM Stock 38141G104 2,269,791 2,683 SH DFND 1,2 0 0 2,683
INVESCO GALAXY BITCOIN ETF ETF 46091J101 1,452,629 21,530 SH DFND 1,2 0 0 21,530
INTUIT COM Stock 461202103 418,976 969 SH DFND 1,2 0 0 969
INVESCO S&P SMALLCAP VALUE WITH MOMENTUM ETF ETF 46137V480 1,807,800 30,000 SH DFND 1,2 0 0 30,000
INVESCO S&P SMALLCAP MOMENTUM ETF ETF 46137V498 2,240,157 29,468 SH DFND 1,2 0 0 29,468
ISHARES MSCI EMERGING MARKETS ASIA ETF ETF 464286426 370,686 3,872 SH DFND 1,2 0 0 3,872
ISHARES MSCI USA EQUAL WEIGHTED ETF ETF 464286681 811,921 7,978 SH DFND 1,2 0 0 7,978
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 38,188,616 268,122 SH DFND 1,2 67,763 0 200,359
ISHARES CORE S&P 500 ETF ETF 464287200 3,422,820 5,240 SH DFND 1,2 0 0 5,240
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 939,293 9,462 SH DFND 1,2 0 0 9,462
ISHARES MSCI EAFE ETF ETF 464287465 8,781,091 90,406 SH DFND 1,2 50,011 0 40,395
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 3,344,060 26,101 SH DFND 1,2 3,184 0 22,917
ISHARES RUSSELL MIDCAP ETF ETF 464287499 6,529,758 67,158 SH DFND 1,2 37,477 0 29,681
ISHARES SELECT U.S. REIT ETF ETF 464287564 410,304 6,630 SH DFND 1,2 0 0 6,630
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 4,872,640 22,805 SH DFND 1,2 11,018 0 11,787
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 6,670,137 15,643 SH DFND 1,2 5,342 0 10,301
ISHARES RUSSELL 1000 ETF ETF 464287622 602,586 1,690 SH DFND 1,2 0 0 1,690
ISHARES RUSSELL 3000 ETF ETF 464287689 3,360,585 9,066 SH DFND 1,2 0 0 9,066
ISHARES MSCI ALL COUNTRY ASIA EX JAPAN ETF ETF 464288182 3,775,125 39,206 SH DFND 1,2 24,783 0 14,423
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 472,348 5,937 SH DFND 1,2 0 0 5,937
ISHARES BROAD USD INVESTMENT GRADE CORPORATE BOND ETF ETF 464288620 1,406,366 27,452 SH DFND 1,2 1,964 0 25,488
ISHARES MSCI EAFE MIN VOL FACTOR ETF ETF 46429B689 747,132 8,177 SH DFND 1,2 0 0 8,177
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 907,490 9,785 SH DFND 1,2 4,199 0 5,586
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 567,182 2,957 SH DFND 1,2 0 0 2,957
ISHARES CORE MSCI EAFE ETF ETF 46432F842 427,302 4,720 SH DFND 1,2 0 0 4,720
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 1,802,480 25,842 SH DFND 1,2 0 0 25,842
ISHARES INTERNATIONAL EQUITY FACTOR ETF ETF 46434V274 120,169,762 3,084,439 SH DFND 1,2 552,976 0 2,531,463
ISHARES U.S. EQUITY FACTOR ETF ETF 46434V282 154,180,370 2,336,066 SH DFND 1,2 216,796 0 2,119,270
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456 12,134,191 262,474 SH DFND 1,2 34,540 0 227,934
ISHARES MSCI GLOBAL SUSTAINABLE DEVELOPMENT GOALS ETF ETF 46435G532 753,893 8,980 SH DFND 1,2 0 0 8,980
ISHARES BROAD USD HIGH YIELD CORPORATE BOND ETF ETF 46435U853 5,668,267 153,862 SH DFND 1,2 15,516 0 138,346
ISHARES 0-3 MONTH TREASURY BOND ETF ETF 46436E718 26,595,379 264,210 SH DFND 1,2 0 0 264,210
ISHARES BITCOIN TRUST ETF ETF 46438F101 799,712 20,815 SH DFND 1,2 0 0 20,815
KRONOS WORLDWIDE INC COM Stock 50105F105 210,536 32,045 SH DFND 1,2 0 0 32,045
LAUDER ESTEE COS INC CL A Stock 518439104 218,683 3,047 SH DFND 1,2 0 0 3,047
MFS INTER INCOME TR SH BEN INT CEF 55273C107 325,361 129,626 SH DFND 1,2 0 0 129,626
MASTERCARD INCORPORATED CL A Stock 57636Q104 2,692,168 5,388 SH DFND 1,2 0 0 5,388
MICROSOFT CORP COM Stock 594918104 1,950,426 5,269 SH DFND 1,2 0 0 5,269
NETAPP INC COM Stock 64110D104 438,434 4,282 SH DFND 1,2 0 0 4,282
NVIDIA CORPORATION COM Stock 67066G104 2,216,751 12,710 SH DFND 1,2 0 0 12,710
NUVEEN ESG INTERNATIONAL DEVELOPED MARKETS EQUITY ETF ETF 67092P805 829,772 22,979 SH DFND 1,2 8,500 0 14,479
NUVEEN ESG LARGE-CAP ETF ETF 67092P862 4,713,961 101,853 SH DFND 1,2 19,000 0 82,853
NUVEEN ESG EMERGING MARKETS EQUITY ETF ETF 67092P888 2,191,757 59,658 SH DFND 1,2 25,000 0 34,658
Impact Shares Affordable Housing MBS ETF ETF 74741A106 1,985,833 113,332 SH DFND 1,2 106,665 0 6,667
STATE STREET SPDR S&P 500 ETF ETF 78462F103 16,680,303 25,649 SH DFND 1,2 7,691 0 17,958
SPDR GOLD SHARES ETF 78463V107 1,056,792 2,456 SH DFND 1,2 2,329 0 127
STATE STREET SPDR PORTFOLIO AGGREGATE BOND ETF ETF 78464A649 260,812 10,180 SH DFND 1,2 0 0 10,180
STATE STREET SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812 92,322,238 537,883 SH DFND 1,2 74,494 0 463,389
SCHWAB U.S. BROAD MARKET ETF ETF 808524102 1,706,223 67,977 SH DFND 1,2 0 0 67,977
STATE STREET HEALTH CARE SELECT SECTOR SPDR ETF ETF 81369Y209 338,816 2,311 SH DFND 1,2 0 0 2,311
STATE STREET CONSUMER STAPLES SELECT SECTOR SPDR ETF ETF 81369Y308 332,265 4,053 SH DFND 1,2 0 0 4,053
STATE STREET TECHNOLOGY SELECT SECTOR SPDR ETF ETF 81369Y803 620,377 4,668 SH DFND 1,2 3,000 0 1,668
STATE STREET UTILITIES SELECT SECTOR SPDR ETF ETF 81369Y886 386,669 8,426 SH DFND 1,2 0 0 8,426
STARBUCKS CORP COM Stock 855244109 286,778 3,201 SH DFND 1,2 0 0 3,201
SYSCO CORP COM Stock 871829107 564,078 7,908 SH DFND 1,2 0 0 7,908
USA COMPRESSION PARTNERS LP COM UNIT LTDPAR Stock 90290N109 836,299 30,837 SH DFND 1,2 0 0 30,837
UNITEDHEALTH GROUP INC COM Stock 91324P102 796,076 2,942 SH DFND 1,2 0 0 2,942
UNIVERSAL DISPLAY CORP COM Stock 91347P105 228,600 2,494 SH DFND 1,2 0 0 2,494
VANECK GOLD MINERS ETF ETF 92189F106 510,241 5,560 SH DFND 1,2 0 0 5,560
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 1,030,575 13,365 SH DFND 1,2 0 0 13,365
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 1,817,373 28,361 SH DFND 1,2 27,755 0 606
VANGUARD CALIFORNIA TAX-EXEMPT BOND ETF ETF 922021605 404,246 4,080 SH DFND 1,2 0 0 4,080
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 21,938,888 292,129 SH DFND 1,2 83,088 0 209,041
VANGUARD FTSE PACIFIC ETF ETF 922042866 271,885 2,782 SH DFND 1,2 0 0 2,782
VANGUARD FTSE EUROPE ETF ETF 922042874 1,840,695 22,330 SH DFND 1,2 10,298 0 12,032
VANGUARD SHORT-TERM TREASURY ETF ETF 92206C102 473,120 8,082 SH DFND 1,2 0 0 8,082
VANGUARD RUSSELL 3000 ETF ETF 92206C599 4,664,749 16,221 SH DFND 1,2 0 0 16,221
VANGUARD RUSSELL 1000 GROWTH ETF ETF 92206C680 37,296,245 340,015 SH DFND 1,2 26,940 0 313,075
VANGUARD S&P 500 ETF ETF 922908363 8,561,099 14,327 SH DFND 1,2 0 0 14,327
VANGUARD MID-CAP ETF ETF 922908629 206,482 719 SH DFND 1,2 0 0 719
VANGUARD SMALL-CAP ETF ETF 922908751 580,677 2,217 SH DFND 1,2 0 0 2,217
VISA INC COM CL A Stock 92826C839 436,929 1,446 SH DFND 1,2 0 0 1,446