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

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COLUMN 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
3M COEquities88579Y1012661,519SH DFND 1,51900
3M COEquities88579Y1012371,349SH SOLE 1,34900
ABBOTT LABORATORIESEquities002824100106900SH DFND 90000
ABBOTT LABORATORIESEquities0028241005,29544,827SH SOLE 44,82700
ABBVIE INC COMEquities00287Y109104960SH DFND 96000
ABBVIE INC COMEquities00287Y1095,37349,810SH SOLE 49,81000
ABERDEEN BLOOMBERG ALL COMMODITEquities0032611042739,732SH SOLE 9,73200
ACCENTURE PLC IRELAND CL AEquitiesG1151C1012886SH DFND 8600
ACCENTURE PLC IRELAND CL AEquitiesG1151C101248776SH SOLE 77600
ALLIANCE BERNSTEIN HOLDING LP UEquities01881G1063477,000SH SOLE 7,00000
ALPHABET INC CAP STK CL AEquities02079K3054015SH DFND 1500
ALPHABET INC CAP STK CL AEquities02079K305882330SH SOLE 33000
ALPHABET INC CAP STK CL CEquities02079K1077227SH DFND 2700
ALPHABET INC CAP STK CL CEquities02079K1071,151432SH SOLE 43200
AMAZON.COM INCEquities0231351063310SH DFND 1000
AMAZON.COM INCEquities023135106516157SH SOLE 15700
AMERICAN EXPRESS COEquities02581610934200SH DFND 20000
AMERICAN EXPRESS COEquities0258161092931,748SH SOLE 1,74800
AMGEN INCEquities031162100107505SH DFND 50500
AMGEN INCEquities0311621002381,121SH SOLE 1,12100
APPLE INCEquities0378331003282,321SH DFND 2,32100
APPLE INCEquities0378331007,28751,498SH SOLE 51,49800
AT&T INCEquities00206R102813,015SH DFND 3,01500
AT&T INCEquities00206R10253119,666SH SOLE 19,66600
AUTOMATIC DATA PROCESSING INCEquities0530151033331,667SH DFND 1,66700
AUTOMATIC DATA PROCESSING INCEquities0530151031,6998,497SH SOLE 8,49700
BECTON DICKINSON & COEquities075887109160650SH DFND 65000
BECTON DICKINSON & COEquities0758871097192,926SH SOLE 2,92600
BERKSHIRE HATHAWAY INC BEquities0846707023111,138SH SOLE 1,13800
BLACKROCK INCEquities09247X101242288SH SOLE 28800
BOEING COEquities0970231052841,290SH SOLE 1,29000
BRISTOL-MYERS SQUIBB COEquities11012210843735SH DFND 73500
BRISTOL-MYERS SQUIBB COEquities1101221084868,210SH SOLE 8,21000
BROADCOM INCEquities11135F1013369SH DFND 6900
BROADCOM INCEquities11135F101210434SH SOLE 43400
CAMDEN PROPERTY TRUST (REIT)Equities13313110244300SH DFND 30000
CAMDEN PROPERTY TRUST (REIT)Equities1331311024352,952SH SOLE 2,95200
CARRIER GLOBAL CORPEquities14448C104561,090SH DFND 1,09000
CARRIER GLOBAL CORPEquities14448C1042384,606SH SOLE 4,60600
CATERPILLAR INCEquities14912310129150SH DFND 15000
CATERPILLAR INCEquities1491231013882,023SH SOLE 2,02300
CHEVRON CORPEquities16676410050496SH DFND 49600
CHEVRON CORPEquities1667641006035,940SH SOLE 5,94000
CHUBB LIMITEDEquitiesH1467J10489511SH DFND 51100
CHUBB LIMITEDEquitiesH1467J1041,0886,269SH SOLE 6,26900
CISCO SYSTEMS INCEquities17275R1021793,280SH DFND 3,28000
CISCO SYSTEMS INCEquities17275R1025129,407SH SOLE 9,40700
COCA COLA COEquities191216100521,000SH DFND 1,00000
COCA COLA COEquities19121610095718,234SH SOLE 18,23400
COMCAST CORP CLASS AEquities20030N10130529SH DFND 52900
COMCAST CORP CLASS AEquities20030N1013746,689SH SOLE 6,68900
COSTCO WHOLESALE CORPEquities22160K105158351SH DFND 35100
COSTCO WHOLESALE CORPEquities22160K1051,9784,402SH SOLE 4,40200
CSX CORPEquities12640810314480SH DFND 48000
CSX CORPEquities12640810363821,450SH SOLE 21,45000
CUMMINS INCEquities23102110629129SH DFND 12900
CUMMINS INCEquities2310211062521,120SH SOLE 1,12000
CVS HEALTH CORPORATIONEquities126650100675SH DFND 7500
CVS HEALTH CORPORATIONEquities1266501003173,737SH SOLE 3,73700
DEERE & COMPANYEquities24419910543127SH DFND 12700
DEERE & COMPANYEquities2441991051,1973,572SH SOLE 3,57200
DELEK LOGISTICS PARTNERS LPEquities24664T1033177,000SH SOLE 7,00000
DISNEY WALT COEquities2546871062,58915,307SH SOLE 15,30700
ELEMENTS ROGERS INTL COMMODITYEquities87029780120630,714SH SOLE 30,71400
EMERSON ELECTRIC COEquities29101110426274SH DFND 27400
EMERSON ELECTRIC COEquities2910111042492,640SH SOLE 2,64000
EXPEDITORS INTERNATIONALEquities3021301094533,800SH SOLE 3,80000
EXXON MOBIL CORPEquities30231G1021582,680SH DFND 2,68000
EXXON MOBIL CORPEquities30231G1022,29739,056SH SOLE 39,05600
FEDEX CORPEquities31428X10627125SH DFND 12500
FEDEX CORPEquities31428X1062981,360SH SOLE 1,36000
GENERAL ELECTRIC CO NEWEquities36960430125245SH DFND 24500
GENERAL ELECTRIC CO NEWEquities3696043012742,655SH SOLE 2,65500
GENERAL MILLS INCEquities3703341041021,700SH DFND 1,70000
GENERAL MILLS INCEquities3703341041482,471SH SOLE 2,47100
HARLEY DAVIDSON INCEquities41282210851314,000SH SOLE 14,00000
HONEYWELL INTERNATIONAL INCEquities438516106525SH DFND 2500
HONEYWELL INTERNATIONAL INCEquities4385161061,1295,319SH SOLE 5,31900
IDACORP INCEquities4511071061351,308SH DFND 1,30800
IDACORP INCEquities4511071061371,330SH SOLE 1,33000
INTEL CORPEquities4581401001132,126SH DFND 2,12600
INTEL CORPEquities45814010093917,630SH SOLE 17,63000
INTERNATIONAL BUSINESS MACHINESEquities459200101120863SH DFND 86300
INTERNATIONAL BUSINESS MACHINESEquities4592001019066,524SH SOLE 6,52400
INVESCO FTSE RAFI US 1000 ETFEquities46137V6133692,328SH SOLE 2,32800
INVESCO SENIOR LOAN ETFFixed Income46138G50852323,633SH SOLE 23,63300
ISHARES CORE MSCI EMERGING MKTSEquities46434G1033635,879SH SOLE 5,87900
ISHARES CORE MSCI TOT INTL STOCEquities46432F83410143SH DFND 14300
ISHARES CORE MSCI TOT INTL STOCEquities46432F8342,52635,573SH SOLE 35,57300
ISHARES CORE S&P 500 (MKT) ETFEquities4642872002,5966,026SH SOLE 6,02600
ISHARES CORE S&P MID CAP ETFEquities4642875074811,829SH SOLE 1,82900
ISHARES CORE US AGGREGATE BONDFixed Income4642872261,78215,519SH SOLE 15,51900
ISHARES MSCI EAFE (MKT)Equities464287465851,095SH DFND 1,09500
ISHARES MSCI EAFE (MKT)Equities4642874651,14014,616SH SOLE 14,61600
ISHARES MSCI EMG MKT ETFEquities46428723461512,215SH SOLE 12,21500
ISHARES MSCI USA QUALITY FACTOREquities46432F3392752,091SH SOLE 2,09100
ISHARES RUSSELL 1000 GROWTHEquities464287614252918SH SOLE 91800
ISHARES RUSSELL 2000 (MKT)Equities4642876552,86513,099SH SOLE 13,09900
ISHARES RUSSELL 2000 GROWTHEquities46428764876259SH DFND 25900
ISHARES RUSSELL 2000 GROWTHEquities4642876488242,804SH SOLE 2,80400
ISHARES RUSSELL 2000 VALUEEquities46428763058365SH DFND 36500
ISHARES RUSSELL 2000 VALUEEquities4642876304112,569SH SOLE 2,56900
ISHARES RUSSELL MID-CAP (MKT)Equities4642874991431,832SH DFND 1,83200
ISHARES RUSSELL MID-CAP (MKT)Equities4642874992,70534,588SH SOLE 34,58800
ISHARES S&P MID-CAP 400 VALUEEquities4642877057587,357SH SOLE 7,35700
ISHARES S&P MIDCAP 400 GROWTH EEquities4642876065526,975SH SOLE 6,97500
JOHNSON AND JOHNSONEquities4781601042281,413SH DFND 1,41300
JOHNSON AND JOHNSONEquities4781601043,04318,843SH SOLE 18,84300
JPMORGAN CHASE & CO COMEquities46625H1002031,238SH DFND 1,23800
JPMORGAN CHASE & CO COMEquities46625H1002,42214,799SH SOLE 14,79900
KIMBERLY-CLARK CORPEquities49436810388664SH DFND 66400
KIMBERLY-CLARK CORPEquities4943681033222,435SH SOLE 2,43500
KNOT OFFSHORE PARTNERS LPEquitiesY4812510131917,000SH SOLE 17,00000
LANDMARK INFRASTRUCTURE PARTNEREquities51508J10827817,000SH SOLE 17,00000
LINDE PLCEquitiesG5494J103169575SH DFND 57500
LINDE PLCEquitiesG5494J1036292,144SH SOLE 2,14400
LOWES COMPANIES INCEquities54866110728140SH DFND 14000
LOWES COMPANIES INCEquities5486611073361,654SH SOLE 1,65400
MCDONALDS CORPEquities580135101181750SH DFND 75000
MCDONALDS CORPEquities5801351019573,968SH SOLE 3,96800
MERCK & CO INCEquities58933Y1058100SH DFND 10000
MERCK & CO INCEquities58933Y1053334,432SH SOLE 4,43200
MICROSOFT CORPEquities5949181041,0173,608SH DFND 3,60800
MICROSOFT CORPEquities5949181048,19029,051SH SOLE 29,05100
MONDELEZ INTL INC CL AEquities6092071052494,281SH SOLE 4,28100
NEXTERA ENERGY INCEquities65339F1011541,964SH DFND 1,96400
NEXTERA ENERGY INCEquities65339F1011,53519,550SH SOLE 19,55000
NORFOLK SOUTHERN CORPEquities6558441082851,190SH SOLE 1,19000
NOVARTIS AG ADREquities66987V10957697SH DFND 69700
NOVARTIS AG ADREquities66987V1094635,656SH SOLE 5,65600
NUVEEN CALIFORNIA QUALITY MUNIFixed Income67066Y1053,236206,253SH SOLE 206,25300
NUVEEN CORP INC NOV 21 TARGET TFixed Income67077N10611512,225SH SOLE 12,22500
ORACLE CORPEquities68389X1051051,200SH DFND 1,20000
ORACLE CORPEquities68389X1054194,812SH SOLE 4,81200
OTIS WORLDWIDE CORPEquities68902V10748587SH DFND 58700
OTIS WORLDWIDE CORPEquities68902V1071712,073SH SOLE 2,07300
PEPSICO INCEquities7134481081871,246SH DFND 1,24600
PEPSICO INCEquities7134481081,0597,042SH SOLE 7,04200
PFIZER INCEquities717081103811,877SH DFND 1,87700
PFIZER INCEquities71708110345510,569SH SOLE 10,56900
PHILIP MORRIS INTL INCEquities71817210922233SH DFND 23300
PHILIP MORRIS INTL INCEquities7181721092692,835SH SOLE 2,83500
PHILLIPS 66Equities71854610432460SH DFND 46000
PHILLIPS 66Equities7185461042042,918SH SOLE 2,91800
PIMCO CALIFORNIA MUNI INCOME FUFixed Income72200N10670837,440SH SOLE 37,44000
PROCTER & GAMBLE COEquities7427181092011,435SH DFND 1,43500
PROCTER & GAMBLE COEquities7427181092,78219,903SH SOLE 19,90300
QUALCOMM INCEquities74752510326200SH DFND 20000
QUALCOMM INCEquities7475251036895,340SH SOLE 5,34000
RAYTHEON TECHS CORPEquities75513E1011782,075SH DFND 2,07500
RAYTHEON TECHS CORPEquities75513E10190510,524SH SOLE 10,52400
S&P GLOBAL INCEquities78409V104173406SH DFND 40600
S&P GLOBAL INCEquities78409V1045821,369SH SOLE 1,36900
SARATOGA INVESTMENT CORP NEWEquities80349A20837413,000SH SOLE 13,00000
SCHWAB U S DIVIDEND EQUITY ETFEquities8085247973374,543SH DFND 4,54300
SCHWAB U S DIVIDEND EQUITY ETFEquities80852479777010,372SH SOLE 10,37200
SCHWAB U S LARGE CAP ETFEquities8085242011,48414,268SH SOLE 14,26800
SCHWAB US SMALL CAP ETFEquities8085246076936,922SH SOLE 6,92200
SPDR S&P MIDCAP 400 (MKT)Equities78467Y1072,1824,538SH SOLE 4,53800
SPDR SERIES TRUST SPDR DOW JONEEquities78464A6071421,348SH DFND 1,34800
SPDR SERIES TRUST SPDR DOW JONEEquities78464A6071,12310,651SH SOLE 10,65100
STARBUCKS CORPEquities85524410929262SH DFND 26200
STARBUCKS CORPEquities8552441096165,584SH SOLE 5,58400
STATE STREET CORPORATIONEquities85747710368804SH DFND 80400
STATE STREET CORPORATIONEquities8574771031641,940SH SOLE 1,94000
SUN LIFE FINANCIAL INCEquities8667961054278,303SH SOLE 8,30300
SUNOCO LTD PARTNERSHIPEquities86765K10938410,300SH SOLE 10,30000
TARGET CORPEquities87612E10646200SH DFND 20000
TARGET CORPEquities87612E1061,1535,041SH SOLE 5,04100
THERMO FISHER SCIENTIFIC INCEquities8835561025791,013SH SOLE 1,01300
UNITED PARCEL SERVICE CL BEquities91131210631171SH DFND 17100
UNITED PARCEL SERVICE CL BEquities9113121065002,743SH SOLE 2,74300
US BANCORPEquities9029733042664,470SH SOLE 4,47000
VANGUARD FTSE ALL-WORLD EX-USEquities9220427754397,195SH SOLE 7,19500
VANGUARD FTSE DEVELOPED MARKETSEquities92194385874214,692SH SOLE 14,69200
VANGUARD FTSE EMERGING MKTS ETFEquities92204285840791SH DFND 79100
VANGUARD FTSE EMERGING MKTS ETFEquities92204285889517,890SH SOLE 17,89000
VANGUARD GROWTH ETF (MKT)Equities9229087362,4438,419SH SOLE 8,41900
VANGUARD HIGH DIVIDEND YIELD ETEquities9219464065465,283SH DFND 5,28300
VANGUARD HIGH DIVIDEND YIELD ETEquities9219464061,24812,071SH SOLE 12,07100
VANGUARD LARGE CAP ETFEquities9229086371,2576,256SH SOLE 6,25600
VANGUARD MEGA CAP GROWTH ETFEquities921910816225960SH SOLE 96000
VANGUARD REIT ETF (MKT)Equities9229085533433,369SH SOLE 3,36900
VANGUARD S&P 500 INDEX ETFEquities922908363265673SH SOLE 67300
VANGUARD SHORT-TERM BOND ETFFixed Income9219378278199,988SH SOLE 9,98800
VANGUARD SHORT-TERM CORP BD IDXFixed Income92206C4094395,332SH SOLE 5,33200
VANGUARD TOTAL INTL BD IDX ETFFixed Income92203J40758410,255SH SOLE 10,25500
VANGUARD VALUE ETFEquities9229087443,16923,414SH SOLE 23,41400
VERIZON COMMUNICATIONS INCEquities92343V1041031,906SH DFND 1,90600
VERIZON COMMUNICATIONS INCEquities92343V10476014,066SH SOLE 14,06600
VF CORPORATIONEquities9182041081281,911SH DFND 1,91100
VF CORPORATIONEquities9182041086429,587SH SOLE 9,58700
VISA INC CL AEquities92826C8395012,251SH SOLE 2,25100
WALMART INCEquities93114210378557SH DFND 55700
WALMART INCEquities9311421031481,065SH SOLE 1,06500
WELLS FARGO & COMPANYEquities9497461011723,700SH DFND 3,70000
WELLS FARGO & COMPANYEquities94974610181517,554SH SOLE 17,55400