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
3M CO Equities 88579Y101 258 1,658 SH   DFND   0 0 0
3M CO Equities 88579Y101 630 4,044 SH   SOLE   0 0 0
ABBOTT LABORATORIES Equities 002824100 82 900 SH   DFND   0 0 0
ABBOTT LABORATORIES Equities 002824100 4,746 51,910 SH   SOLE   0 0 0
ABBVIE INC COM Equities 00287Y109 88 900 SH   DFND   0 0 0
ABBVIE INC COM Equities 00287Y109 6,094 62,075 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 21 15 SH   DFND   0 0 0
ALPHABET INC CAP STK CL A Equities 02079K305 507 358 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 43 31 SH   DFND   0 0 0
ALPHABET INC CAP STK CL C Equities 02079K107 655 464 SH   SOLE   0 0 0
AMAZON.COM INC Equities 023135106 424 154 SH   SOLE   0 0 0
AMERICAN EXPRESS CO Equities 025816109 19 200 SH   DFND   0 0 0
AMERICAN EXPRESS CO Equities 025816109 186 1,963 SH   SOLE   0 0 0
AMGEN INC Equities 031162100 116 495 SH   DFND   0 0 0
AMGEN INC Equities 031162100 249 1,057 SH   SOLE   0 0 0
APPLE INC Equities 037833100 261 717 SH   DFND   0 0 0
APPLE INC Equities 037833100 5,646 15,488 SH   SOLE   0 0 0
AT&T INC Equities 00206R102 113 3,747 SH   DFND   0 0 0
AT&T INC Equities 00206R102 681 22,545 SH   SOLE   0 0 0
ATLAS AIR WORLDWIDE CONV 2.25 Fixed Income 049164BH8 46 50,000 PRN   SOLE   0 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 246 1,658 SH   DFND   0 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 1,597 10,732 SH   SOLE   0 0 0
BECTON DICKINSON & CO Equities 075887109 155 650 SH   DFND   0 0 0
BECTON DICKINSON & CO Equities 075887109 998 4,174 SH   SOLE   0 0 0
BERKSHIRE HATHAWAY INC B Equities 084670702 204 1,145 SH   SOLE   0 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 38 655 SH   DFND   0 0 0
BRISTOL-MYERS SQUIBB CO Equities 110122108 514 8,742 SH   SOLE   0 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 27 300 SH   DFND   0 0 0
CAMDEN PROPERTY TRUST (REIT) Equities 133131102 434 4,762 SH   SOLE   0 0 0
CHEVRON CORP Equities 166764100 38 436 SH   DFND   0 0 0
CHEVRON CORP Equities 166764100 580 6,505 SH   SOLE   0 0 0
CHUBB LIMITED Equities H1467J104 96 761 SH   DFND   0 0 0
CHUBB LIMITED Equities H1467J104 997 7,878 SH   SOLE   0 0 0
CISCO SYSTEMS INC Equities 17275R102 149 3,200 SH   DFND   0 0 0
CISCO SYSTEMS INC Equities 17275R102 557 11,946 SH   SOLE   0 0 0
COCA COLA CO Equities 191216100 44 1,000 SH   DFND   0 0 0
COCA COLA CO Equities 191216100 804 18,016 SH   SOLE   0 0 0
COMCAST CORP CLASS A Equities 20030N101 15 399 SH   DFND   0 0 0
COMCAST CORP CLASS A Equities 20030N101 219 5,630 SH   SOLE   0 0 0
COSTCO WHOLESALE CORP Equities 22160K105 118 391 SH   DFND   0 0 0
COSTCO WHOLESALE CORP Equities 22160K105 1,658 5,470 SH   SOLE   0 0 0
CSX CORP Equities 126408103 6 100 SH   DFND   0 0 0
CSX CORP Equities 126408103 498 7,150 SH   SOLE   0 0 0
CVS HEALTH CORPORATION Equities 126650100 320 4,927 SH   SOLE   0 0 0
DEERE & COMPANY Equities 244199105 15 100 SH   DFND   0 0 0
DEERE & COMPANY Equities 244199105 270 1,721 SH   SOLE   0 0 0
DISNEY WALT CO Equities 254687106 1,736 15,573 SH   SOLE   0 0 0
ELEMENTS ROGERS INTL COMMODITY Equities 870297801 187 47,108 SH   SOLE   0 0 0
EMERSON ELECTRIC CO Equities 291011104 40 649 SH   DFND   0 0 0
EMERSON ELECTRIC CO Equities 291011104 192 3,105 SH   SOLE   0 0 0
ENERGY TRANSFER LTD PARTNERSHIP Equities 29273V100 332 46,654 SH   SOLE   0 0 0
ENTERPRISE PRODUCTS PARTNERS LP Equities 293792107 497 27,374 SH   SOLE   0 0 0
EXPEDITORS INTERNATIONAL Equities 302130109 288 3,800 SH   SOLE   0 0 0
EXXON MOBIL CORP Equities 30231G102 126 2,834 SH   DFND   0 0 0
EXXON MOBIL CORP Equities 30231G102 2,094 46,837 SH   SOLE   0 0 0
FEDEX CORP Equities 31428X106 17 125 SH   DFND   0 0 0
FEDEX CORP Equities 31428X106 227 1,624 SH   SOLE   0 0 0
FORD MOTOR COMPANY Equities 345370860 72 11,871 SH   SOLE   0 0 0
GENERAL ELECTRIC CO Equities 369604103 15 2,263 SH   DFND   0 0 0
GENERAL ELECTRIC CO Equities 369604103 155 22,834 SH   SOLE   0 0 0
GENERAL MILLS INC Equities 370334104 104 1,700 SH   DFND   0 0 0
GENERAL MILLS INC Equities 370334104 305 4,957 SH   SOLE   0 0 0
GENESIS ENERGY LP Equities 371927104 73 10,164 SH   SOLE   0 0 0
GLOBAL X MLP NEW ETF Equities 37954Y343 238 8,757 SH   SOLE   0 0 0
GLOBALSTAR INC Equities 378973408 5 18,000 SH   SOLE   0 0 0
GOLDMAN SACHS ACCESS TRSY 0-1 Y Fixed Income 381430529 311 3,098 SH   SOLE   0 0 0
HARLEY DAVIDSON INC Equities 412822108 332 14,000 SH   SOLE   0 0 0
HONEYWELL INTERNATIONAL INC Equities 438516106 638 4,419 SH   SOLE   0 0 0
INTEL CORP Equities 458140100 141 2,366 SH   DFND   0 0 0
INTEL CORP Equities 458140100 1,438 24,041 SH   SOLE   0 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 124 1,031 SH   DFND   0 0 0
INTERNATIONAL BUSINESS MACHINES Equities 459200101 1,007 8,342 SH   SOLE   0 0 0
INVESCO FTSE RAFI US 1000 ETF Equities 46137V613 351 3,245 SH   SOLE   0 0 0
INVESCO SENIOR LOAN ETF Fixed Income 46138G508 366 17,178 SH   SOLE   0 0 0
ISHARES 1-3 YR TREASURY BOND ET Fixed Income 464287457 311 3,598 SH   SOLE   0 0 0
ISHARES CORE MSCI EMERGING MKTS Equities 46434G103 268 5,644 SH   SOLE   0 0 0
ISHARES CORE MSCI TOT INTL STOC Equities 46432F834 752 13,804 SH   SOLE   0 0 0
ISHARES CORE S&P 500 (MKT) ETF Equities 464287200 1,850 5,976 SH   SOLE   0 0 0
ISHARES CORE S&P MID CAP ETF Equities 464287507 325 1,829 SH   SOLE   0 0 0
ISHARES CORE US AGGREGATE BOND Fixed Income 464287226 1,304 11,038 SH   SOLE   0 0 0
ISHARES MBS (MKT) Equities 464288588 0 4 SH   DFND   0 0 0
ISHARES MBS (MKT) Equities 464288588 323 2,918 SH   SOLE   0 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 66 1,095 SH   DFND   0 0 0
ISHARES MSCI EAFE (MKT) Equities 464287465 889 14,616 SH   SOLE   0 0 0
ISHARES MSCI EMG MKT ETF Equities 464287234 208 5,215 SH   SOLE   0 0 0
ISHARES MSCI USA QUALITY FACTOR Equities 46432F339 244 2,544 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 (MKT) Equities 464287655 1,875 13,099 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 53 259 SH   DFND   0 0 0
ISHARES RUSSELL 2000 GROWTH Equities 464287648 503 2,434 SH   SOLE   0 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 35 365 SH   DFND   0 0 0
ISHARES RUSSELL 2000 VALUE Equities 464287630 267 2,744 SH   SOLE   0 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 98 1,832 SH   DFND   0 0 0
ISHARES RUSSELL MID-CAP (MKT) Equities 464287499 1,853 34,588 SH   SOLE   0 0 0
ISHARES S&P MID-CAP 400 VALUE Equities 464287705 270 2,038 SH   SOLE   0 0 0
ISHARES S&P MIDCAP 400 GROWTH E Equities 464287606 290 1,297 SH   SOLE   0 0 0
JOHNSON AND JOHNSON Equities 478160104 196 1,399 SH   DFND   0 0 0
JOHNSON AND JOHNSON Equities 478160104 2,713 19,296 SH   SOLE   0 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 80 855 SH   DFND   0 0 0
JPMORGAN CHASE & CO COM Equities 46625H100 1,556 16,552 SH   SOLE   0 0 0
KIMBERLY-CLARK CORP Equities 494368103 121 863 SH   DFND   0 0 0
KIMBERLY-CLARK CORP Equities 494368103 570 4,037 SH   SOLE   0 0 0
LINDE PLC Equities G5494J103 121 575 SH   DFND   0 0 0
LINDE PLC Equities G5494J103 649 3,060 SH   SOLE   0 0 0
MAGELLAN MIDSTREAM PARTNERS LP Equities 559080106 229 5,316 SH   SOLE   0 0 0
MCDONALDS CORP Equities 580135101 119 650 SH   DFND   0 0 0
MCDONALDS CORP Equities 580135101 826 4,483 SH   SOLE   0 0 0
MERCK & CO INC Equities 58933Y105 7 100 SH   DFND   0 0 0
MERCK & CO INC Equities 58933Y105 365 4,728 SH   SOLE   0 0 0
MICROSOFT CORP Equities 594918104 749 3,683 SH   DFND   0 0 0
MICROSOFT CORP Equities 594918104 6,195 30,453 SH   SOLE   0 0 0
MONDELEZ INTL INC CL A Equities 609207105 210 4,124 SH   SOLE   0 0 0
NEXTERA ENERGY INC Equities 65339F101 130 545 SH   DFND   0 0 0
NEXTERA ENERGY INC Equities 65339F101 1,451 6,044 SH   SOLE   0 0 0
NORFOLK SOUTHERN CORP Equities 655844108 208 1,190 SH   SOLE   0 0 0
NOVARTIS AG ADR Equities 66987V109 55 630 SH   DFND   0 0 0
NOVARTIS AG ADR Equities 66987V109 495 5,676 SH   SOLE   0 0 0
NUVEEN CALIFORNIA QUALITY MUNI Fixed Income 67066Y105 3,447 241,559 SH   SOLE   0 0 0
ORACLE CORP Equities 68389X105 66 1,200 SH   DFND   0 0 0
ORACLE CORP Equities 68389X105 336 6,090 SH   SOLE   0 0 0
OTIS WORLDWIDE CORP Equities 68902V107 39 701 SH   DFND   0 0 0
OTIS WORLDWIDE CORP Equities 68902V107 185 3,271 SH   SOLE   0 0 0
PEPSICO INC Equities 713448108 164 1,246 SH   DFND   0 0 0
PEPSICO INC Equities 713448108 1,121 8,487 SH   SOLE   0 0 0
PERKINELMER INC Equities 714046109 235 2,400 SH   SOLE   0 0 0
PFIZER INC Equities 717081103 57 1,767 SH   DFND   0 0 0
PFIZER INC Equities 717081103 602 18,414 SH   SOLE   0 0 0
PIMCO CALIFORNIA MUNI INCOME FU Fixed Income 72200N106 599 37,440 SH   SOLE   0 0 0
PLAINS ALL AMERICAN PIPELINE LP Equities 726503105 89 10,167 SH   SOLE   0 0 0
PROCTER & GAMBLE CO Equities 742718109 171 1,435 SH   DFND   0 0 0
PROCTER & GAMBLE CO Equities 742718109 2,462 20,597 SH   SOLE   0 0 0
QUALCOMM INC Equities 747525103 18 200 SH   DFND   0 0 0
QUALCOMM INC Equities 747525103 629 6,900 SH   SOLE   0 0 0
RAYTHEON TECHS CORP Equities 75513E101 109 1,783 SH   DFND   0 0 0
RAYTHEON TECHS CORP Equities 75513E101 745 12,101 SH   SOLE   0 0 0
S&P GLOBAL INC Equities 78409V104 148 451 SH   DFND   0 0 0
S&P GLOBAL INC Equities 78409V104 541 1,644 SH   SOLE   0 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 288 5,567 SH   DFND   0 0 0
SCHWAB U S DIVIDEND EQUITY ETF Equities 808524797 555 10,727 SH   SOLE   0 0 0
SCHWAB U S LARGE CAP ETF Equities 808524201 970 13,095 SH   SOLE   0 0 0
SCHWAB US SMALL CAP ETF Equities 808524607 428 6,565 SH   SOLE   0 0 0
SPDR DOW JONES INTL REAL ESTATE Equities 78463X863 311 10,796 SH   SOLE   0 0 0
SPDR S&P MIDCAP 400 (MKT) Equities 78467Y107 1,472 4,538 SH   SOLE   0 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 105 1,348 SH   DFND   0 0 0
SPDR SERIES TRUST SPDR DOW JONE Equities 78464A607 831 10,651 SH   SOLE   0 0 0
SPROTT PHYSICAL GOLD & SILVER T Equities 85208R101 171 10,148 SH   SOLE   0 0 0
STARBUCKS CORP Equities 855244109 286 3,895 SH   SOLE   0 0 0
STATE STREET CORPORATION Equities 857477103 56 884 SH   DFND   0 0 0
STATE STREET CORPORATION Equities 857477103 166 2,619 SH   SOLE   0 0 0
SUN LIFE FINANCIAL INC Equities 866796105 305 8,303 SH   SOLE   0 0 0
TARGET CORP Equities 87612E106 23 200 SH   DFND   0 0 0
TARGET CORP Equities 87612E106 681 5,679 SH   SOLE   0 0 0
THERMO FISHER SCIENTIFIC INC Equities 883556102 367 1,013 SH   SOLE   0 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 19 171 SH   DFND   0 0 0
UNITED PARCEL SERVICE CL B Equities 911312106 391 3,519 SH   SOLE   0 0 0
US BANCORP Equities 902973304 224 6,091 SH   SOLE   0 0 0
VANGUARD DIVIDEND APPREC IDX ET Equities 921908844 272 2,323 SH   SOLE   0 0 0
VANGUARD FTSE ALL-WORLD EX-US Equities 922042775 368 7,730 SH   SOLE   0 0 0
VANGUARD FTSE DEVELOPED MARKETS Equities 921943858 538 13,872 SH   SOLE   0 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 31 791 SH   DFND   0 0 0
VANGUARD FTSE EMERGING MKTS ETF Equities 922042858 540 13,652 SH   SOLE   0 0 0
VANGUARD GROWTH ETF (MKT) Equities 922908736 1,285 6,363 SH   SOLE   0 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 461 5,857 SH   DFND   0 0 0
VANGUARD HIGH DIVIDEND YIELD ET Equities 921946406 889 11,288 SH   SOLE   0 0 0
VANGUARD LARGE CAP ETF Equities 922908637 894 6,256 SH   SOLE   0 0 0
VANGUARD REIT ETF (MKT) Equities 922908553 254 3,238 SH   SOLE   0 0 0
VANGUARD SHORT-TERM BOND ETF Fixed Income 921937827 584 7,038 SH   SOLE   0 0 0
VANGUARD SHORT-TERM CORP BD IDX Fixed Income 92206C409 333 4,033 SH   SOLE   0 0 0
VANGUARD TOTAL INTL BD IDX ETF Fixed Income 92203J407 429 7,447 SH   SOLE   0 0 0
VANGUARD VALUE ETF Equities 922908744 1,704 17,120 SH   SOLE   0 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 99 1,806 SH   DFND   0 0 0
VERIZON COMMUNICATIONS INC Equities 92343V104 898 16,301 SH   SOLE   0 0 0
VF CORPORATION Equities 918204108 105 1,736 SH   DFND   0 0 0
VF CORPORATION Equities 918204108 687 11,274 SH   SOLE   0 0 0
VISA INC CL A Equities 92826C839 463 2,399 SH   SOLE   0 0 0
WALMART INC Equities 931142103 61 517 SH   DFND   0 0 0
WALMART INC Equities 931142103 150 1,257 SH   SOLE   0 0 0
WELLS FARGO & COMPANY Equities 949746101 94 3,700 SH   DFND   0 0 0
WELLS FARGO & COMPANY Equities 949746101 685 26,783 SH   SOLE   0 0 0