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
ALERIAN MLP ETF Com 00162Q866 263 76,350 SH   SOLE 0 76,350 0 0
AT&T INC Com 00206R102 548 18,787 SH   SOLE 0 18,787 0 0
AT&T INC Com 00206R102 73 2,509 SH   DFND 0 2,509 0 0
ABBVIE INC Com 00287Y109 2,722 35,728 SH   SOLE 0 35,728 0 0
ABBVIE INC Com 00287Y109 379 4,969 SH   DFND 0 4,969 0 0
ADOBE SYSTEMS INC Com 00724F101 644 2,024 SH   SOLE 0 2,024 0 0
ALEXION PHARMACEUTICALS INC COM Com 015351109 322 3,582 SH   SOLE 0 3,582 0 0
ALEXION PHARMACEUTICALS INC COM Com 015351109 163 1,818 SH   DFND 0 1,818 0 0
ALPHABET INC-CL C Com 02079K107 969 833 SH   SOLE 0 833 0 0
ALPHABET INC-CL C Com 02079K107 31 27 SH   DFND 0 27 0 0
ALPHABET INC-CL A Com 02079K305 2,165 1,863 SH   SOLE 0 1,863 0 0
ALPHABET INC-CL A Com 02079K305 93 80 SH   DFND 0 80 0 0
ALTRIA GROUP INC Com 02209S103 313 8,090 SH   SOLE 0 8,090 0 0
ALTRIA GROUP INC Com 02209S103 75 1,935 SH   DFND 0 1,935 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 631 6,162 SH   SOLE 0 6,162 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 72 700 SH   DFND 0 700 0 0
Bank of America Pfd Stk 060505EH3 254 250,000 SH   SOLE 0 250,000 0 0
Bank Amer Corp Pfd Stk 060505EU4 105 100,000 SH   SOLE 0 100,000 0 0
BIOGEN INC Com 09062X103 328 1,037 SH   SOLE 0 1,037 0 0
BLACKROCK INC Com 09247X101 483 1,098 SH   SOLE 0 1,098 0 0
BLACKROCK INC Com 09247X101 13 29 SH   DFND 0 29 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 687 12,326 SH   SOLE 0 12,326 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 505 9,055 SH   DFND 0 9,055 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 345 12,685 SH   SOLE 0 12,685 0 0
CVS HEALTH CORP Com 126650100 775 13,055 SH   SOLE 0 13,055 0 0
CVS HEALTH CORP Com 126650100 15 250 SH   DFND 0 250 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 285 5,647 SH   SOLE 0 5,647 0 0
CATERPILLAR INC Com 149123101 347 2,988 SH   SOLE 0 2,988 0 0
CATERPILLAR INC Com 149123101 60 520 SH   DFND 0 520 0 0
CHEVRON CORP Com 166764100 1,583 21,847 SH   SOLE 0 21,497 0 350
CHEVRON CORP Com 166764100 61 844 SH   DFND 0 844 0 0
CINEMARK HOLDINGS INC Com 17243V102 214 21,000 SH   SOLE 0 21,000 0 0
CISCO SYSTEMS INC Com 17275R102 1,331 33,849 SH   SOLE 0 33,849 0 0
CISCO SYSTEMS INC Com 17275R102 138 3,500 SH   DFND 0 3,500 0 0
CLOROX COMPANY Com 189054109 637 3,675 SH   SOLE 0 3,675 0 0
COCA-COLA CO/THE Com 191216100 5,493 124,140 SH   SOLE 0 123,440 0 700
COCA-COLA CO/THE Com 191216100 31 696 SH   DFND 0 696 0 0
COMCAST CORP-CLASS A Com 20030N101 201 5,856 SH   SOLE 0 5,856 0 0
COMCAST CORP-CLASS A Com 20030N101 45 1,296 SH   DFND 0 1,296 0 0
CONOCOPHILLIPS Com 20825C104 457 14,829 SH   SOLE 0 14,829 0 0
CONOCOPHILLIPS Com 20825C104 26 856 SH   DFND 0 856 0 0
CONSTELLATION BRANDS INC-A Com 21036P108 340 2,372 SH   SOLE 0 2,372 0 0
CORESITE REALTY CORP Com 21870Q105 254 2,195 SH   SOLE 0 2,195 0 0
COSTCO WHOLESALE CORP Com 22160K105 2,896 10,158 SH   SOLE 0 10,158 0 0
CUMMINS INC Com 231021106 457 3,379 SH   SOLE 0 3,379 0 0
DTE ENERGY COMPANY Com 233331107 394 4,150 SH   SOLE 0 4,150 0 0
DANAHER CORP Com 235851102 795 5,743 SH   SOLE 0 5,743 0 0
DANAHER CORP Com 235851102 205 1,482 SH   DFND 0 1,482 0 0
WALT DISNEY CO/THE Com 254687106 3,383 35,021 SH   SOLE 0 35,021 0 0
WALT DISNEY CO/THE Com 254687106 41 425 SH   DFND 0 425 0 0
DOMINION RESOURCES INC/VA Com 25746U109 1,258 17,431 SH   SOLE 0 17,431 0 0
Duke Realty Corp Com 264411505 218 6,732 SH   SOLE 0 6,732 0 0
ECOLAB INC Com 278865100 1,158 7,429 SH   SOLE 0 7,429 0 0
EMERSON ELECTRIC CO Com 291011104 501 10,514 SH   SOLE 0 10,114 0 400
EMERSON ELECTRIC CO Com 291011104 135 2,830 SH   DFND 0 2,830 0 0
ENBRIDGE INC Com 29250N105 1,125 38,678 SH   SOLE 0 38,678 0 0
ENBRIDGE INC Com 29250N105 208 7,151 SH   DFND 0 7,151 0 0
ENTERPRISE PRODUCTS PARTNERS Com 293792107 363 25,384 SH   SOLE 0 25,384 0 0
EXXON MOBIL CORP Com 30231G102 698 18,373 SH   SOLE 0 18,373 0 0
EXXON MOBIL CORP Com 30231G102 451 11,870 SH   DFND 0 11,870 0 0
FACEBOOK INC-A Com 30303M102 651 3,900 SH   SOLE 0 3,900 0 0
FACEBOOK INC-A Com 30303M102 118 706 SH   DFND 0 706 0 0
FEDEX CORP Com 31428X106 354 2,920 SH   SOLE 0 2,920 0 0
FEDEX CORP Com 31428X106 221 1,820 SH   DFND 0 1,820 0 0
FISERV INC Com 337738108 1,721 18,117 SH   SOLE 0 18,117 0 0
FISERV INC Com 337738108 119 1,250 SH   DFND 0 1,250 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104 1,172 156,526 SH   SOLE 0 156,526 0 0
GENERAL MILLS INC Com 370334104 374 7,087 SH   SOLE 0 7,087 0 0
GENERAL MILLS INC Com 370334104 59 1,120 SH   DFND 0 1,120 0 0
GILEAD SCIENCES INC Com 375558103 478 6,388 SH   SOLE 0 6,388 0 0
GILEAD SCIENCES INC Com 375558103 19 250 SH   DFND 0 250 0 0
GLOBAL X S&P 500 CATHOLIC VALUES ETF Com 37954Y889 204 6,400 SH   SOLE 0 6,400 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 348 2,254 SH   SOLE 0 2,254 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503 552 10,580 SH   SOLE 0 10,580 0 0
WW GRAINGER INC Com 384802104 437 1,759 SH   DFND 0 1,759 0 0
HP INC Com 40434L105 411 23,695 SH   SOLE 0 23,695 0 0
HP INC Com 40434L105 47 2,700 SH   DFND 0 2,700 0 0
HOME DEPOT INC Com 437076102 530 2,841 SH   SOLE 0 2,841 0 0
HOME DEPOT INC Com 437076102 333 1,785 SH   DFND 0 1,785 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 1,932 14,442 SH   SOLE 0 14,442 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 44 329 SH   DFND 0 329 0 0
ILLINOIS TOOL WORKS Com 452308109 615 4,326 SH   SOLE 0 4,326 0 0
INTEL CORP Com 458140100 2,783 51,417 SH   SOLE 0 51,417 0 0
INTEL CORP Com 458140100 595 10,996 SH   DFND 0 10,996 0 0
INTL BUSINESS MACHINES CORP Com 459200101 977 8,809 SH   SOLE 0 8,809 0 0
INTL BUSINESS MACHINES CORP Com 459200101 247 2,225 SH   DFND 0 2,225 0 0
INVESCO QQQ TRUST Com 46090E103 3,046 15,998 SH   SOLE 0 15,998 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 897 8,678 SH   SOLE 0 8,678 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 29 280 SH   DFND 0 280 0 0
INVESTMENT MANGERS SER TR WCM Com 461418444 176 11,171 SH   SOLE 0 11,171 0 0
ISHARES GOLD TRUST ISHARES Com 464285105 1,214 80,557 SH   SOLE 0 80,557 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150 2,432 42,510 SH   SOLE 0 42,510 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 438 5,951 SH   SOLE 0 5,951 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 16 220 SH   DFND 0 220 0 0
ISHARES CORE S&P 500 ETF Com 464287200 3,432 13,281 SH   SOLE 0 13,281 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 704 20,614 SH   SOLE 0 20,614 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 49 1,424 SH   DFND 0 1,424 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291 1,752 9,608 SH   SOLE 0 9,608 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309 718 4,348 SH   SOLE 0 4,348 0 0
ISHARES S&P 500 VALUE ETF Com 464287408 396 4,116 SH   SOLE 0 4,116 0 0
ISHARES MSCI EAFE ETF Com 464287465 4,703 87,971 SH   SOLE 0 87,971 0 0
ISHARES MSCI EAFE ETF Com 464287465 59 1,097 SH   DFND 0 1,097 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473 227 3,543 SH   SOLE 0 3,543 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499 1,232 28,549 SH   SOLE 0 28,549 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 7,596 52,801 SH   SOLE 0 52,801 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 135 940 SH   DFND 0 940 0 0
ISHARES EXPANDED TECH- SOFTWARE SECTOR ETF Com 464287515 371 1,765 SH   SOLE 0 1,765 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 9,513 95,913 SH   SOLE 0 95,913 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 137 1,384 SH   DFND 0 1,384 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606 580 3,251 SH   SOLE 0 3,251 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 22,390 148,622 SH   SOLE 0 148,622 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 356 2,365 SH   DFND 0 2,365 0 0
ISHARES RUSSELL 1000 ETF Com 464287622 1,458 10,302 SH   SOLE 0 10,302 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 3,496 22,105 SH   SOLE 0 22,105 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 28 175 SH   DFND 0 175 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 3,232 28,237 SH   SOLE 0 28,237 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 7 59 SH   DFND 0 59 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705 420 3,825 SH   SOLE 0 3,825 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 1,717 8,403 SH   SOLE 0 8,403 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 50 244 SH   DFND 0 244 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 3,135 55,866 SH   SOLE 0 55,866 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 328 5,847 SH   DFND 0 5,847 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879 210 2,100 SH   SOLE 0 2,100 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887 441 3,200 SH   SOLE 0 3,200 0 0
ISHARES MSCI ACWI ETF Com 464288257 616 9,840 SH   SOLE 0 9,840 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 269 6,005 SH   SOLE 0 6,005 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 39 876 SH   DFND 0 876 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 2,052 21,228 SH   SOLE 0 21,228 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 26 267 SH   DFND 0 267 0 0
ISHARES TR MBS ETF Com 464288588 3,067 27,774 SH   SOLE 0 27,774 0 0
ISHARES S&P PREF STK ETF Com 464288687 751 23,581 SH   SOLE 0 23,581 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810 643 2,854 SH   SOLE 0 2,854 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 21,667 773,552 SH   SOLE 0 773,552 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 687 24,522 SH   DFND 0 24,522 0 0
ISHARES TR FLTG RATE NT ETF Com 46429B655 777 15,940 SH   SOLE 0 15,940 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 13,040 241,435 SH   SOLE 0 241,435 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 233 4,310 SH   DFND 0 4,310 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 5,842 120,476 SH   SOLE 0 120,476 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 32 650 SH   DFND 0 650 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 5,138 63,403 SH   SOLE 0 63,403 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 20 250 SH   DFND 0 250 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 5,414 108,518 SH   SOLE 0 108,518 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 428 8,572 SH   DFND 0 8,572 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 1,214 29,997 SH   SOLE 0 29,997 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 272 6,733 SH   DFND 0 6,733 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863 1,347 49,212 SH   SOLE 0 49,212 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407 1,616 39,548 SH   SOLE 0 39,548 0 0
ISHA CURR HEDGED MSCI EAFE Com 46434V803 399 16,485 SH   SOLE 0 16,485 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 1,813 31,530 SH   SOLE 0 31,530 0 0
JPMORGAN CHASE & CO Com 46625H100 2,863 31,806 SH   SOLE 0 31,806 0 0
JPMORGAN CHASE & CO Com 46625H100 99 1,105 SH   DFND 0 1,105 0 0
Jpmorgan Chase & Co Pfd Stk 46625HJQ4 261 250,000 SH   SOLE 0 250,000 0 0
Jpmorgan Chase & Co Pfd Stk 46625HKK5 65 70,000 SH   SOLE 0 70,000 0 0
JOHNSON & JOHNSON Com 478160104 1,529 11,662 SH   SOLE 0 11,412 0 250
JOHNSON & JOHNSON Com 478160104 1,182 9,015 SH   DFND 0 9,015 0 0
KIMBERLY-CLARK CORP Com 494368103 2,103 16,450 SH   SOLE 0 16,175 0 275
KIMBERLY-CLARK CORP Com 494368103 275 2,148 SH   DFND 0 2,148 0 0
LKQ CORPORATION Com 501889208 268 13,090 SH   SOLE 0 13,090 0 0
LKQ CORPORATION Com 501889208 59 2,900 SH   DFND 0 2,900 0 0
ELI LILLY & CO Com 532457108 1,049 7,565 SH   SOLE 0 7,565 0 0
LOWE'S COS INC Com 548661107 456 5,294 SH   SOLE 0 5,294 0 0
LOWE'S COS INC Com 548661107 14 160 SH   DFND 0 160 0 0
MASTERCARD INC-CLASS A Com 57636Q104 485 2,007 SH   SOLE 0 2,007 0 0
MASTERCARD INC-CLASS A Com 57636Q104 138 570 SH   DFND 0 570 0 0
MCDONALD'S CORP Com 580135101 1,022 6,180 SH   SOLE 0 6,180 0 0
MCDONALD'S CORP Com 580135101 17 100 SH   DFND 0 100 0 0
MCKESSON CORP Com 58155Q103 361 2,672 SH   SOLE 0 2,672 0 0
MCKESSON CORP Com 58155Q103 108 800 SH   DFND 0 800 0 0
MERCK & CO. INC. Com 58933Y105 668 8,685 SH   SOLE 0 8,685 0 0
MERCK & CO. INC. Com 58933Y105 659 8,560 SH   DFND 0 8,560 0 0
Metlife Inc Pfd Pfd Stk 59156RBP2 35 40,000 SH   SOLE 0 40,000 0 0
MICROSOFT CORP Com 594918104 5,039 31,953 SH   SOLE 0 31,953 0 0
MICROSOFT CORP Com 594918104 2,094 13,277 SH   DFND 0 13,277 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 516 10,305 SH   SOLE 0 10,305 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 140 2,790 SH   DFND 0 2,790 0 0
MOTOROLA SOLUTIONS INC Com 620076307 1,132 8,516 SH   SOLE 0 8,516 0 0
MOTOROLA SOLUTIONS INC Com 620076307 154 1,162 SH   DFND 0 1,162 0 0
NEXTERA ENERGY INC Com 65339F101 510 2,121 SH   SOLE 0 2,121 0 0
NEXTERA ENERGY INC Com 65339F101 25 102 SH   DFND 0 102 0 0
NIKE INC -CL B Com 654106103 1,284 15,520 SH   SOLE 0 15,520 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 397 4,810 SH   SOLE 0 4,810 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 35 430 SH   DFND 0 430 0 0
NVIDIA CORP Com 67066G104 3,330 12,634 SH   SOLE 0 12,634 0 0
NVIDIA CORP Com 67066G104 153 579 SH   DFND 0 579 0 0
ORACLE CORP Com 68389X105 444 9,183 SH   SOLE 0 9,183 0 0
ORACLE CORP Com 68389X105 6 115 SH   DFND 0 115 0 0
PAYPAL HOLDINGS INC Com 70450Y103 541 5,655 SH   SOLE 0 5,655 0 0
PEPSICO INC Com 713448108 923 7,682 SH   SOLE 0 7,507 0 175
PEPSICO INC Com 713448108 710 5,913 SH   DFND 0 5,913 0 0
PFIZER INC Com 717081103 1,752 53,686 SH   SOLE 0 53,686 0 0
PFIZER INC Com 717081103 303 9,286 SH   DFND 0 9,286 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 431 5,909 SH   SOLE 0 5,909 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 145 1,985 SH   DFND 0 1,985 0 0
PROCTER & GAMBLE CO/THE Com 742718109 2,456 22,326 SH   SOLE 0 22,076 0 250
PROCTER & GAMBLE CO/THE Com 742718109 513 4,664 SH   DFND 0 4,664 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 446 9,922 SH   SOLE 0 9,922 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 28 616 SH   DFND 0 616 0 0
QUALCOMM INC Com 747525103 367 5,421 SH   SOLE 0 5,421 0 0
QUALCOMM INC Com 747525103 37 543 SH   DFND 0 543 0 0
ROPER TECHNOLOGIES INC Com 776696106 361 1,157 SH   SOLE 0 1,157 0 0
ROPER TECHNOLOGIES INC Com 776696106 103 330 SH   DFND 0 330 0 0
ROYCE PENNSYLVANIA MUTUAL FUND Com 780905840 192 29,162 SH   SOLE 0 29,162 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 7,973 30,935 SH   SOLE 0 30,935 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 46 177 SH   DFND 0 177 0 0
SPDR GOLD TRUST Com 78463V107 1,168 7,891 SH   SOLE 0 7,891 0 0
SPDR MSCI ACWI EX-US Com 78463X848 11,221 568,993 SH   SOLE 0 568,993 0 0
SPDR DJ WILSHIRE INTL REAL ESTATE Com 78463X863 236 8,800 SH   SOLE 0 8,800 0 0
SPDR BBG BARC CONVERTIBLE Com 78464A359 4,859 101,531 SH   SOLE 0 101,531 0 0
SPDR BBG BARC CONVERTIBLE Com 78464A359 258 5,400 SH   DFND 0 5,400 0 0
KBW BANK ETF Com 78464A797 216 8,020 SH   SOLE 0 8,020 0 0
KBW BANK ETF Com 78464A797 15 540 SH   DFND 0 540 0 0
SPDR S&P BIOTECH ETF Com 78464A870 302 3,900 SH   SOLE 0 3,900 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 995 3,785 SH   SOLE 0 3,785 0 0
SVB FINANCIAL GROUP Com 78486Q101 302 2,000 SH   SOLE 0 2,000 0 0
The Charles Schwab Corporation Pfd Stk 808513AP0 55 60,000 SH   SOLE 0 60,000 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 1,322 14,920 SH   SOLE 0 14,920 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 40 450 SH   DFND 0 450 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Com 81369Y308 676 12,403 SH   SOLE 0 12,403 0 0
CONSUMER DISCRETIONARY SELT Com 81369Y407 993 10,123 SH   SOLE 0 10,123 0 0
FINANCIAL SELECT SECTOR SPDR Com 81369Y605 215 10,344 SH   SOLE 0 10,344 0 0
TECHNOLOGY SELECT SECT SPDR Com 81369Y803 1,686 20,979 SH   SOLE 0 20,979 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 1,985 35,823 SH   SOLE 0 35,823 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 16 280 SH   DFND 0 280 0 0
SOUTHERN CO/THE Com 842587107 254 4,697 SH   SOLE 0 4,697 0 0
SOUTHERN CO/THE Com 842587107 110 2,038 SH   DFND 0 2,038 0 0
STANLEY BLACK & DECKER INC Com 854502101 485 4,851 SH   SOLE 0 4,851 0 0
Alta Properties, Inc. Com 863012544 93 12,544 SH   SOLE 0 12,544 0 0
Alta Properties, Inc. Com 863112000 89 12,000 SH   SOLE 0 12,000 0 0
TJX COMPANIES INC Com 872540109 244 5,110 SH   SOLE 0 5,110 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 964 3,400 SH   SOLE 0 3,400 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 194 684 SH   DFND 0 684 0 0
3M CO Com 88579Y101 674 4,936 SH   SOLE 0 4,936 0 0
3M CO Com 88579Y101 433 3,170 SH   DFND 0 3,170 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307 309 2,575 SH   SOLE 0 2,575 0 0
TYSON FOODS INC-CL A Com 902494103 322 5,567 SH   SOLE 0 5,567 0 0
TYSON FOODS INC-CL A Com 902494103 109 1,885 SH   DFND 0 1,885 0 0
US BANCORP Com 902973304 193 5,615 SH   SOLE 0 5,615 0 0
US BANCORP Com 902973304 28 820 SH   DFND 0 820 0 0
UNION PACIFIC CORP Com 907818108 920 6,520 SH   SOLE 0 6,520 0 0
UNION PACIFIC CORP Com 907818108 416 2,949 SH   DFND 0 2,949 0 0
UNITED PARCEL SERVICE-CL B Com 911312106 274 2,938 SH   SOLE 0 2,938 0 0
UNITED TECHNOLOGIES CORP Com 913017109 1,075 11,392 SH   SOLE 0 11,392 0 0
UNITED TECHNOLOGIES CORP Com 913017109 122 1,295 SH   DFND 0 1,295 0 0
UNITEDHEALTH GROUP INC Com 91324P102 319 1,279 SH   SOLE 0 1,279 0 0
UNITEDHEALTH GROUP INC Com 91324P102 42 170 SH   DFND 0 170 0 0
UNUM GROUP Com 91529Y106 235 15,671 SH   SOLE 0 15,671 0 0
VALERO ENERGY CORP Com 91913Y100 296 6,532 SH   SOLE 0 6,532 0 0
VALERO ENERGY CORP Com 91913Y100 45 1,000 SH   DFND 0 1,000 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 1,686 16,305 SH   SOLE 0 16,305 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 234 7,030 SH   SOLE 0 7,030 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 113 3,400 SH   DFND 0 3,400 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 431 6,093 SH   SOLE 0 6,093 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 117 1,657 SH   DFND 0 1,657 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810 1,332 22,848 SH   SOLE 0 22,848 0 0
VANGUARD FTSE ALL-WORLD EX-US Com 922042775 635 15,482 SH   SOLE 0 15,482 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 330 9,830 SH   SOLE 0 9,830 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 220 6,552 SH   DFND 0 6,552 0 0
VANGUARD INTL EQUITY INDEX PACIFIC ETF Com 922042866 268 4,864 SH   SOLE 0 4,864 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409 3,431 43,372 SH   SOLE 0 43,372 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409 115 1,450 SH   DFND 0 1,450 0 0
VANGUARD S&P 500 ETF Com 922908363 431 1,821 SH   SOLE 0 1,821 0 0
VANGUARD REAL ESTATE ETF Com 922908553 951 13,617 SH   SOLE 0 13,617 0 0
VANGUARD REAL ESTATE ETF Com 922908553 68 971 SH   DFND 0 971 0 0
VANGUARD IND FD MID-CAP Com 922908629 293 2,224 SH   SOLE 0 2,224 0 0
VANGUARD IND FD MID-CAP Com 922908629 185 1,403 SH   DFND 0 1,403 0 0
VANGUARD GROWTH INDEX FUND Com 922908736 101 645 SH   SOLE 0 645 0 0
VANGUARD GROWTH INDEX FUND Com 922908736 102 653 SH   DFND 0 653 0 0
VANGUARD SMALL-CAP ETF Com 922908751 147 1,270 SH   SOLE 0 1,270 0 0
VANGUARD SMALL-CAP ETF Com 922908751 92 800 SH   DFND 0 800 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 3,735 69,522 SH   SOLE 0 69,522 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 34 640 SH   DFND 0 640 0 0
VISA INC-CLASS A SHARES Com 92826C839 2,192 13,605 SH   SOLE 0 13,255 0 350
VISA INC-CLASS A SHARES Com 92826C839 48 300 SH   DFND 0 300 0 0
WALMART INC Com 931142103 1,444 12,711 SH   SOLE 0 12,711 0 0
WALMART INC Com 931142103 205 1,800 SH   DFND 0 1,800 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 632 13,819 SH   SOLE 0 13,819 0 0
WELLS FARGO & CO Com 949746101 643 22,394 SH   SOLE 0 22,394 0 0
WELLS FARGO & CO Com 949746101 10 345 SH   DFND 0 345 0 0
WISDOMTREE HIGH DIVIDEND FUND Com 97717W208 291 5,145 SH   SOLE 0 5,145 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315 713 22,103 SH   SOLE 0 22,103 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315 46 1,435 SH   DFND 0 1,435 0 0
WISDOM TREE SMALL CAP DIVIDEND Com 97717W604 352 19,517 SH   SOLE 0 19,517 0 0
WISDOMTREE US QUALITY DIVID Com 97717X669 474 12,193 SH   SOLE 0 12,193 0 0
ACCENTURE PLC-CL A Com G1151C101 428 2,619 SH   SOLE 0 2,619 0 0
ACCENTURE PLC-CL A Com G1151C101 76 467 SH   DFND 0 467 0 0
EATON CORP PLC Com G29183103 383 4,931 SH   SOLE 0 4,931 0 0
EATON CORP PLC Com G29183103 34 440 SH   DFND 0 440 0 0
MEDTRONIC PLC Com G5960L103 722 8,010 SH   SOLE 0 8,010 0 0
MEDTRONIC PLC Com G5960L103 14 156 SH   DFND 0 156 0 0
APTIV PLC Com G6095L109 248 5,036 SH   SOLE 0 5,036 0 0
APTIV PLC Com G6095L109 57 1,150 SH   DFND 0 1,150 0 0
Trane Technologies Plc ADR Com G8994E103 1,075 13,015 SH   SOLE 0 13,015 0 0
Trane Technologies Plc ADR Com G8994E103 8 101 SH   DFND 0 101 0 0
CHUBB LTD Com H1467J104 440 3,937 SH   SOLE 0 3,937 0 0
CHUBB LTD Com H1467J104 9 79 SH   DFND 0 79 0 0