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 00162Q452 351 14,230 SH   SOLE 0 14,230 0 0
AT&T INC Com 00206R102 549 18,152 SH   SOLE 0 18,152 0 0
AT&T INC Com 00206R102 76 2,509 SH   DFND 0 2,509 0 0
ABBVIE INC Com 00287Y109 3,977 40,508 SH   SOLE 0 40,508 0 0
ABBVIE INC Com 00287Y109 507 5,164 SH   DFND 0 5,164 0 0
ADOBE SYSTEMS INC Com 00724F101 957 2,199 SH   SOLE 0 2,199 0 0
ALEXION PHARMACEUTICALS INC COM Com 015351109 399 3,555 SH   SOLE 0 3,555 0 0
ALEXION PHARMACEUTICALS INC COM Com 015351109 204 1,818 SH   DFND 0 1,818 0 0
ALIBABA GROUP HOLDINGS-SP ADR Com 01609W102 553 2,564 SH   SOLE 0 2,564 0 0
ALPHABET INC-CL C Com 02079K107 1,251 885 SH   SOLE 0 885 0 0
ALPHABET INC-CL A Com 02079K305 2,615 1,844 SH   SOLE 0 1,844 0 0
ALPHABET INC-CL A Com 02079K305 113 80 SH   DFND 0 80 0 0
ALTRIA GROUP INC Com 02209S103 318 8,090 SH   SOLE 0 8,090 0 0
ALTRIA GROUP INC Com 02209S103 76 1,935 SH   DFND 0 1,935 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 927 6,176 SH   SOLE 0 6,176 0 0
AMERIPRISE FINANCIAL INC Com 03076C106 105 700 SH   DFND 0 700 0 0
AVALARA INC Com 05338G106 223 1,672 SH   SOLE 0 1,672 0 0
Bank of America Pfd Stk 060505EH3 52 50,000 SH   SOLE 0 50,000 0 0
Bank of America Pfd Stk 060505EH3 207 200,000 SH   DFND 0 200,000 0 0
Bank Amer Corp Pfd Stk 060505EU4 111 100,000 SH   DFND 0 100,000 0 0
BIOGEN INC Com 09062X103 270 1,009 SH   SOLE 0 1,009 0 0
BLACKROCK INC Com 09247X101 643 1,181 SH   SOLE 0 1,181 0 0
BLACKROCK INC Com 09247X101 16 29 SH   DFND 0 29 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 765 13,015 SH   SOLE 0 13,015 0 0
BRISTOL-MYERS SQUIBB CO Com 110122108 532 9,055 SH   DFND 0 9,055 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 338 12,028 SH   SOLE 0 12,028 0 0
CF INDUSTRIES HOLDINGS INC Com 125269100 90 3,190 SH   DFND 0 3,190 0 0
CVS HEALTH CORP Com 126650100 995 15,318 SH   SOLE 0 15,318 0 0
CVS HEALTH CORP Com 126650100 49 750 SH   DFND 0 750 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 380 6,079 SH   SOLE 0 6,079 0 0
CAPITAL ONE FINANCIAL CORP Com 14040H105 63 1,000 SH   DFND 0 1,000 0 0
Carlisle Cos Inc Com 142339100 688 5,745 SH   SOLE 0 5,745 0 0
CATERPILLAR INC Com 149123101 378 2,988 SH   SOLE 0 2,988 0 0
CATERPILLAR INC Com 149123101 66 520 SH   DFND 0 520 0 0
CHEVRON CORP Com 166764100 2,055 23,031 SH   SOLE 0 22,681 0 350
CHEVRON CORP Com 166764100 151 1,694 SH   DFND 0 1,694 0 0
CINEMARK HOLDINGS INC Com 17243V102 191 16,500 SH   SOLE 0 16,500 0 0
CISCO SYSTEMS INC Com 17275R102 1,466 31,424 SH   SOLE 0 31,424 0 0
CISCO SYSTEMS INC Com 17275R102 233 5,000 SH   DFND 0 5,000 0 0
CLOROX COMPANY Com 189054109 1,327 6,050 SH   SOLE 0 6,050 0 0
COCA-COLA CO/THE Com 191216100 5,150 115,265 SH   SOLE 0 114,565 0 700
COCA-COLA CO/THE Com 191216100 31 696 SH   DFND 0 696 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 11 200 SH   SOLE 0 200 0 0
COGNIZANT TECH SOLUTIONS-A Com 192446102 227 4,000 SH   DFND 0 4,000 0 0
COMCAST CORP-CLASS A Com 20030N101 248 6,352 SH   SOLE 0 6,352 0 0
COMCAST CORP-CLASS A Com 20030N101 26 676 SH   DFND 0 676 0 0
CONOCOPHILLIPS Com 20825C104 584 13,893 SH   SOLE 0 13,893 0 0
CONOCOPHILLIPS Com 20825C104 102 2,416 SH   DFND 0 2,416 0 0
CONSTELLATION BRANDS INC-A Com 21036P108 410 2,344 SH   SOLE 0 2,344 0 0
CORESITE REALTY CORP Com 21870Q105 295 2,440 SH   SOLE 0 2,440 0 0
COSTCO WHOLESALE CORP Com 22160K105 3,220 10,619 SH   SOLE 0 10,619 0 0
CUMMINS INC Com 231021106 512 2,955 SH   SOLE 0 2,955 0 0
CUMMINS INC Com 231021106 78 450 SH   DFND 0 450 0 0
DTE ENERGY COMPANY Com 233331107 386 3,587 SH   SOLE 0 3,587 0 0
DTE ENERGY COMPANY Com 233331107 97 900 SH   DFND 0 900 0 0
DANAHER CORP Com 235851102 1,171 6,625 SH   SOLE 0 6,625 0 0
DANAHER CORP Com 235851102 262 1,482 SH   DFND 0 1,482 0 0
WALT DISNEY CO/THE Com 254687106 2,316 20,768 SH   SOLE 0 20,768 0 0
WALT DISNEY CO/THE Com 254687106 121 1,085 SH   DFND 0 1,085 0 0
DOMINION RESOURCES INC/VA Com 25746U109 1,439 17,731 SH   SOLE 0 17,731 0 0
Duke Realty Corp Com 264411505 253 7,137 SH   SOLE 0 7,137 0 0
ECOLAB INC Com 278865100 2,744 13,794 SH   SOLE 0 13,794 0 0
EMERSON ELECTRIC CO Com 291011104 661 10,649 SH   SOLE 0 10,249 0 400
EMERSON ELECTRIC CO Com 291011104 151 2,430 SH   DFND 0 2,430 0 0
ENBRIDGE INC Com 29250N105 1,550 50,952 SH   SOLE 0 50,952 0 0
ENBRIDGE INC Com 29250N105 195 6,401 SH   DFND 0 6,401 0 0
ENTERPRISE PRODUCTS PARTNERS Com 293792107 421 23,188 SH   SOLE 0 23,188 0 0
EXXON MOBIL CORP Com 30231G102 896 20,040 SH   SOLE 0 20,040 0 0
EXXON MOBIL CORP Com 30231G102 524 11,710 SH   DFND 0 11,710 0 0
FACEBOOK INC-A Com 30303M102 651 2,867 SH   SOLE 0 2,867 0 0
FACEBOOK INC-A Com 30303M102 160 706 SH   DFND 0 706 0 0
FEDEX CORP Com 31428X106 409 2,920 SH   SOLE 0 2,920 0 0
FEDEX CORP Com 31428X106 255 1,820 SH   DFND 0 1,820 0 0
FISERV INC Com 337738108 1,457 14,930 SH   SOLE 0 14,930 0 0
FISERV INC Com 337738108 122 1,250 SH   DFND 0 1,250 0 0
FRANKLIN CALIF TAX FREE INCOME Com 352518104 1,201 156,526 SH   SOLE 0 156,526 0 0
GENERAL DYNAMICS CORP Com 369550108 223 1,491 SH   SOLE 0 1,491 0 0
GENERAL MILLS INC Com 370334104 420 6,812 SH   SOLE 0 6,812 0 0
GENERAL MILLS INC Com 370334104 69 1,120 SH   DFND 0 1,120 0 0
GILEAD SCIENCES INC Com 375558103 611 7,946 SH   SOLE 0 7,946 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 244 6,400 SH   SOLE 0 6,400 0 0
GOLDMAN SACHS GROUP INC Com 38141G104 450 2,279 SH   SOLE 0 2,279 0 0
GOLDMAN ACTIVEBETA US LC ETF Com 381430503 662 10,580 SH   SOLE 0 10,580 0 0
WW GRAINGER INC Com 384802104 553 1,759 SH   DFND 0 1,759 0 0
HP INC Com 40434L105 389 22,318 SH   SOLE 0 22,318 0 0
HP INC Com 40434L105 117 6,700 SH   DFND 0 6,700 0 0
HOME DEPOT INC Com 437076102 695 2,776 SH   SOLE 0 2,776 0 0
HOME DEPOT INC Com 437076102 447 1,785 SH   DFND 0 1,785 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 1,660 11,482 SH   SOLE 0 11,482 0 0
HONEYWELL INTERNATIONAL INC Com 438516106 25 174 SH   DFND 0 174 0 0
ILLINOIS TOOL WORKS Com 452308109 751 4,294 SH   SOLE 0 4,294 0 0
INTEL CORP Com 458140100 2,902 48,507 SH   SOLE 0 48,507 0 0
INTEL CORP Com 458140100 619 10,346 SH   DFND 0 10,346 0 0
INTL BUSINESS MACHINES CORP Com 459200101 1,009 8,352 SH   SOLE 0 8,352 0 0
INTL BUSINESS MACHINES CORP Com 459200101 350 2,900 SH   DFND 0 2,900 0 0
INVESCO QQQ TRUST Com 46090E103 8,252 33,326 SH   SOLE 0 33,326 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 1,051 8,678 SH   SOLE 0 8,678 0 0
INVESCO S&P SMALLCAP HEALTH CARE ETF Com 46138E149 34 280 SH   DFND 0 280 0 0
INVESTMENT MANGERS SER TR WCM Com 461418444 221 11,171 SH   SOLE 0 11,171 0 0
ISHARES GOLD TRUST ISHARES Com 464285105 1,884 110,879 SH   SOLE 0 110,879 0 0
ISHARES CORE S&P US STOCK MARKET ETF Com 464287150 2,246 32,351 SH   SOLE 0 32,351 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 479 5,931 SH   SOLE 0 5,931 0 0
ISHARES DJ SELECT DIVIDEND ETF Com 464287168 18 220 SH   DFND 0 220 0 0
ISHARES CORE S&P 500 ETF Com 464287200 4,858 15,687 SH   SOLE 0 15,687 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 486 12,156 SH   SOLE 0 12,156 0 0
ISHARES MSCI EMERGING MKT ETF Com 464287234 57 1,424 SH   DFND 0 1,424 0 0
ISHARES S&P GLOBAL TECHNOLOGY SECTOR Com 464287291 2,098 8,909 SH   SOLE 0 8,909 0 0
ISHARES S&P 500 GROWTH ETF Com 464287309 902 4,348 SH   SOLE 0 4,348 0 0
ISHARES S&P 500 VALUE ETF Com 464287408 445 4,116 SH   SOLE 0 4,116 0 0
ISHARES MSCI EAFE ETF Com 464287465 2,890 47,472 SH   SOLE 0 47,472 0 0
ISHARES MSCI EAFE ETF Com 464287465 58 957 SH   DFND 0 957 0 0
ISHARES RUSSELL MIDCAP VALUE ETF Com 464287473 271 3,543 SH   SOLE 0 3,543 0 0
ISHARES RUSSELL MIDCAP ETF Com 464287499 1,327 24,749 SH   SOLE 0 24,749 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 9,403 52,878 SH   SOLE 0 52,878 0 0
ISHARES CORE S&P MID-CAP ETF Com 464287507 147 825 SH   DFND 0 825 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 8,754 77,733 SH   SOLE 0 77,733 0 0
ISHARES RUSSELL 1000 VALUE ETF Com 464287598 119 1,059 SH   DFND 0 1,059 0 0
ISHARES S&P MIDCAP 400/GRWTH ETF Com 464287606 728 3,251 SH   SOLE 0 3,251 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 28,129 146,541 SH   SOLE 0 146,541 0 0
ISHARES RUSSELL 1000 GROWTH ETF Com 464287614 389 2,025 SH   DFND 0 2,025 0 0
ISHARES RUSSELL 1000 ETF Com 464287622 1,769 10,302 SH   SOLE 0 10,302 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 4,467 21,591 SH   SOLE 0 21,591 0 0
ISHARES RUSSELL 2000 GROWTH ETF Com 464287648 36 175 SH   DFND 0 175 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 3,913 27,328 SH   SOLE 0 27,328 0 0
ISHARES RUSSELL 2000 ETF Com 464287655 8 59 SH   DFND 0 59 0 0
ISHARES S&P MIDCAP 400/VALUE ETF Com 464287705 466 3,506 SH   SOLE 0 3,506 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 2,264 8,390 SH   SOLE 0 8,390 0 0
ISHARES DJ US TECHNOLOGY SEC ETF Com 464287721 66 244 SH   DFND 0 244 0 0
ISHARES TRUST DOW JONES US FINANCIAL Com 464287770 426 3,566 SH   SOLE 0 3,566 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 3,896 57,052 SH   SOLE 0 57,052 0 0
ISHARES CORE S&P SMALL-CAP ETF Com 464287804 334 4,892 SH   DFND 0 4,892 0 0
ISHARES S&P SMALLCAP 600/VAL ETF Com 464287879 253 2,100 SH   SOLE 0 2,100 0 0
ISHARES S&P SMALLCAP/600 GROWTH ETF Com 464287887 543 3,200 SH   SOLE 0 3,200 0 0
ISHARES MSCI ACWI ETF Com 464288257 761 10,317 SH   SOLE 0 10,317 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 305 5,680 SH   SOLE 0 5,680 0 0
ISHARES MSCI EAFE SMALL CAP ETF Com 464288273 47 876 SH   DFND 0 876 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 2,222 20,346 SH   SOLE 0 20,346 0 0
ISHARES JPMORGAN USD EMERGING MKTS BOND ETF Com 464288281 20 185 SH   DFND 0 185 0 0
ISHARES S&P PREF STK ETF Com 464288687 2,265 65,396 SH   SOLE 0 65,396 0 0
ISHARES DJ US MEDICAL DEVICE ETF Com 464288810 1,746 6,594 SH   SOLE 0 6,594 0 0
ISHARES TR EAFE GROWTH ETF Com 464288885 772 9,291 SH   SOLE 0 9,291 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 20,082 717,482 SH   SOLE 0 717,482 0 0
ISHARES CORE US TREASURY BOND ETF Com 46429B267 314 11,222 SH   DFND 0 11,222 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 14,595 240,726 SH   SOLE 0 240,726 0 0
ISHARES TR MIN VOL USA ETF Com 46429B697 246 4,060 SH   DFND 0 4,060 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 3,941 78,808 SH   SOLE 0 78,808 0 0
ISHARES SHORT MATURITY BOND ETF Com 46431W507 33 650 SH   DFND 0 650 0 0
ISHARES EDGE MSCI USA QUALITY Com 46432F339 6,132 63,926 SH   SOLE 0 63,926 0 0
ISHARES EDGE MSCI USA VALUE FACTOR ETF Com 46432F388 1,455 20,135 SH   SOLE 0 20,135 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 4,706 82,328 SH   SOLE 0 82,328 0 0
ISHARES CORE MSCI EAFE ETF Com 46432F842 946 16,544 SH   DFND 0 16,544 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 715 15,025 SH   SOLE 0 15,025 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF Com 46434G103 538 11,311 SH   DFND 0 11,311 0 0
ISHARES MSCI EM ESG OPTIMIZED Com 46434G863 1,294 40,350 SH   SOLE 0 40,350 0 0
ISHARES 0-5 YEAR HIGH YIELD CORP BOND ETF Com 46434V407 700 16,327 SH   SOLE 0 16,327 0 0
ISHA CURR HEDGED MSCI EAFE Com 46434V803 462 16,760 SH   SOLE 0 16,760 0 0
ISHARES MSCI USA ESG OPTIMIZED ETF Com 46435G425 2,596 37,092 SH   SOLE 0 37,092 0 0
JPMORGAN CHASE & CO Com 46625H100 2,841 30,204 SH   SOLE 0 30,204 0 0
JPMORGAN CHASE & CO Com 46625H100 104 1,105 SH   DFND 0 1,105 0 0
Jpmorgan Chase & Co Pfd Stk 46625HJQ4 54 50,000 SH   SOLE 0 50,000 0 0
Jpmorgan Chase & Co Pfd Stk 46625HJQ4 215 200,000 SH   DFND 0 200,000 0 0
Jpmorgan Chase & Co Pfd Stk 46625HKK5 66 70,000 SH   SOLE 0 70,000 0 0
JOHNSON & JOHNSON Com 478160104 1,686 11,987 SH   SOLE 0 11,737 0 250
JOHNSON & JOHNSON Com 478160104 1,268 9,015 SH   DFND 0 9,015 0 0
KIMBERLY-CLARK CORP Com 494368103 2,349 16,620 SH   SOLE 0 16,345 0 275
KIMBERLY-CLARK CORP Com 494368103 273 1,928 SH   DFND 0 1,928 0 0
LKQ CORPORATION Com 501889208 383 14,623 SH   SOLE 0 14,623 0 0
LKQ CORPORATION Com 501889208 76 2,900 SH   DFND 0 2,900 0 0
ELI LILLY & CO Com 532457108 1,726 10,511 SH   SOLE 0 10,511 0 0
LOWE'S COS INC Com 548661107 562 4,158 SH   SOLE 0 4,158 0 0
LOWE'S COS INC Com 548661107 143 1,060 SH   DFND 0 1,060 0 0
MASTERCARD INC-CLASS A Com 57636Q104 653 2,207 SH   SOLE 0 2,207 0 0
MASTERCARD INC-CLASS A Com 57636Q104 139 470 SH   DFND 0 470 0 0
MCDONALD'S CORP Com 580135101 1,140 6,180 SH   SOLE 0 6,180 0 0
MCKESSON CORP Com 58155Q103 386 2,517 SH   SOLE 0 2,517 0 0
MCKESSON CORP Com 58155Q103 123 800 SH   DFND 0 800 0 0
MERCK & CO. INC. Com 58933Y105 706 9,124 SH   SOLE 0 9,124 0 0
MERCK & CO. INC. Com 58933Y105 662 8,560 SH   DFND 0 8,560 0 0
Metlife Inc Pfd Pfd Stk 59156RBP2 36 40,000 SH   SOLE 0 40,000 0 0
MICROSOFT CORP Com 594918104 7,147 35,118 SH   SOLE 0 35,118 0 0
MICROSOFT CORP Com 594918104 2,517 12,370 SH   DFND 0 12,370 0 0
MICRON TECHNOLOGY INC Com 595112103 206 4,000 SH   SOLE 0 4,000 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 485 9,485 SH   SOLE 0 9,485 0 0
MONDELEZ INTERNATIONAL INC-A Com 609207105 118 2,310 SH   DFND 0 2,310 0 0
MOTOROLA SOLUTIONS INC Com 620076307 424 3,028 SH   SOLE 0 3,028 0 0
MOTOROLA SOLUTIONS INC Com 620076307 163 1,162 SH   DFND 0 1,162 0 0
NEXTERA ENERGY INC Com 65339F101 509 2,121 SH   SOLE 0 2,121 0 0
NEXTERA ENERGY INC Com 65339F101 24 102 SH   DFND 0 102 0 0
NIKE INC -CL B Com 654106103 1,577 16,083 SH   SOLE 0 16,083 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 417 4,773 SH   SOLE 0 4,773 0 0
NOVARTIS AG-SPONSORED ADR Com 66987V109 33 380 SH   DFND 0 380 0 0
NVIDIA CORP Com 67066G104 5,106 13,439 SH   SOLE 0 13,439 0 0
NVIDIA CORP Com 67066G104 220 579 SH   DFND 0 579 0 0
ORACLE CORP Com 68389X105 508 9,183 SH   SOLE 0 9,183 0 0
ORACLE CORP Com 68389X105 6 115 SH   DFND 0 115 0 0
PALO ALTO NETWORKS INC Com 697435105 307 1,337 SH   SOLE 0 1,337 0 0
PAYPAL HOLDINGS INC Com 70450Y103 1,002 5,750 SH   SOLE 0 5,750 0 0
PEPSICO INC Com 713448108 1,068 8,078 SH   SOLE 0 7,903 0 175
PEPSICO INC Com 713448108 782 5,913 SH   DFND 0 5,913 0 0
PFIZER INC Com 717081103 1,573 48,113 SH   SOLE 0 48,113 0 0
PFIZER INC Com 717081103 354 10,831 SH   DFND 0 10,831 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 412 5,878 SH   SOLE 0 5,878 0 0
PHILIP MORRIS INTERNATIONAL Com 718172109 139 1,985 SH   DFND 0 1,985 0 0
PROCTER & GAMBLE CO/THE Com 742718109 2,469 20,649 SH   SOLE 0 20,399 0 250
PROCTER & GAMBLE CO/THE Com 742718109 558 4,664 SH   DFND 0 4,664 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 408 8,304 SH   SOLE 0 8,304 0 0
PUBLIC SERVICE ENTERPRISE GP Com 744573106 124 2,516 SH   DFND 0 2,516 0 0
QUALCOMM INC Com 747525103 556 6,095 SH   SOLE 0 6,095 0 0
QUALCOMM INC Com 747525103 50 543 SH   DFND 0 543 0 0
ROPER TECHNOLOGIES INC Com 776696106 410 1,057 SH   SOLE 0 1,057 0 0
ROPER TECHNOLOGIES INC Com 776696106 128 330 SH   DFND 0 330 0 0
ROYCE PENNSYLVANIA MUTUAL FUND Com 780905840 238 29,162 SH   SOLE 0 29,162 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 10,017 32,485 SH   SOLE 0 32,485 0 0
SPDR S&P 500 ETF TRUST Com 78462F103 55 177 SH   DFND 0 177 0 0
SPDR GOLD TRUST Com 78463V107 1,321 7,891 SH   SOLE 0 7,891 0 0
SPDR MSCI ACWI EX-US Com 78463X848 5,836 257,566 SH   SOLE 0 257,566 0 0
SPDR BBG BARC CONVERTIBLE Com 78464A359 8,693 143,686 SH   SOLE 0 143,686 0 0
SPDR BBG BARC CONVERTIBLE Com 78464A359 327 5,400 SH   DFND 0 5,400 0 0
KBW BANK ETF Com 78464A797 253 8,020 SH   SOLE 0 8,020 0 0
KBW BANK ETF Com 78464A797 17 540 SH   DFND 0 540 0 0
SPDR S&P BIOTECH ETF Com 78464A870 690 6,160 SH   SOLE 0 6,160 0 0
SPDR S&P MIDCAP 400 ETF TRUST Com 78467Y107 1,098 3,385 SH   SOLE 0 3,385 0 0
SVB FINANCIAL GROUP Com 78486Q101 431 2,000 SH   SOLE 0 2,000 0 0
The Charles Schwab Corporation Pfd Stk 808513AP0 57 60,000 SH   SOLE 0 60,000 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 1,652 16,505 SH   SOLE 0 16,505 0 0
HEALTH CARE SELECT SECTOR SPDR Com 81369Y209 45 450 SH   DFND 0 450 0 0
CONSUMER STAPLES SELECT SECTOR SPDR Com 81369Y308 1,433 24,433 SH   SOLE 0 24,433 0 0
CONSUMER DISCRETIONARY SELT Com 81369Y407 1,178 9,226 SH   SOLE 0 9,226 0 0
FINANCIAL SELECT SECTOR SPDR Com 81369Y605 259 11,184 SH   SOLE 0 11,184 0 0
TECHNOLOGY SELECT SECT SPDR Com 81369Y803 1,958 18,742 SH   SOLE 0 18,742 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 2,791 49,462 SH   SOLE 0 49,462 0 0
UTILITIES SELECT SECTOR SPDR Com 81369Y886 16 280 SH   DFND 0 280 0 0
SOUTHERN CO/THE Com 842587107 362 6,988 SH   SOLE 0 6,988 0 0
SOUTHERN CO/THE Com 842587107 106 2,038 SH   DFND 0 2,038 0 0
STANLEY BLACK & DECKER INC Com 854502101 655 4,700 SH   SOLE 0 4,700 0 0
STANLEY BLACK & DECKER INC Com 854502101 99 710 SH   DFND 0 710 0 0
STARBUCKS CORP Com 855244109 290 3,940 SH   SOLE 0 3,940 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
STRYKER CORP Com 863667101 423 2,345 SH   SOLE 0 2,345 0 0
TJX COMPANIES INC Com 872540109 258 5,110 SH   SOLE 0 5,110 0 0
TEXAS INSTRUMENTS INC Com 882508104 146 1,146 SH   SOLE 0 1,146 0 0
TEXAS INSTRUMENTS INC Com 882508104 89 700 SH   DFND 0 700 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 2,723 7,516 SH   SOLE 0 7,516 0 0
THERMO FISHER SCIENTIFIC INC Com 883556102 204 564 SH   DFND 0 564 0 0
3M CO Com 88579Y101 2,185 14,006 SH   SOLE 0 14,006 0 0
3M CO Com 88579Y101 494 3,170 SH   DFND 0 3,170 0 0
TOYOTA MOTOR CORP -SPON ADR Com 892331307 323 2,575 SH   SOLE 0 2,575 0 0
TYSON FOODS INC-CL A Com 902494103 356 5,956 SH   SOLE 0 5,956 0 0
TYSON FOODS INC-CL A Com 902494103 160 2,685 SH   DFND 0 2,685 0 0
US BANCORP Com 902973304 204 5,538 SH   SOLE 0 5,538 0 0
US BANCORP Com 902973304 30 820 SH   DFND 0 820 0 0
UNION PACIFIC CORP Com 907818108 987 5,835 SH   SOLE 0 5,835 0 0
UNION PACIFIC CORP Com 907818108 499 2,949 SH   DFND 0 2,949 0 0
UNITED PARCEL SERVICE-CL B Com 911312106 359 3,229 SH   SOLE 0 3,229 0 0
UNITEDHEALTH GROUP INC Com 91324P102 404 1,369 SH   SOLE 0 1,369 0 0
UNITEDHEALTH GROUP INC Com 91324P102 24 80 SH   DFND 0 80 0 0
UNUM GROUP Com 91529Y106 367 22,134 SH   SOLE 0 22,134 0 0
UNUM GROUP Com 91529Y106 45 2,700 SH   DFND 0 2,700 0 0
VALERO ENERGY CORP Com 91913Y100 355 6,042 SH   SOLE 0 6,042 0 0
VALERO ENERGY CORP Com 91913Y100 165 2,800 SH   DFND 0 2,800 0 0
VANGUARD DIVIDEND APPREC ETF Com 921908844 3,219 27,471 SH   SOLE 0 27,471 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 256 6,589 SH   SOLE 0 6,589 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF Com 921943858 132 3,400 SH   DFND 0 3,400 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 359 4,554 SH   SOLE 0 4,554 0 0
VANGUARD HIGH DVD YIELD ETF Com 921946406 131 1,657 SH   DFND 0 1,657 0 0
VANGUARD INTL DIVIDEND APPRECIATION ETF Com 921946810 7,468 111,332 SH   SOLE 0 111,332 0 0
VANGUARD FTSE ALL-WORLD EX-US Com 922042775 1,137 23,882 SH   SOLE 0 23,882 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 264 6,670 SH   SOLE 0 6,670 0 0
VANGUARD FTSE EMERGING MARKETS ETF Com 922042858 260 6,552 SH   DFND 0 6,552 0 0
VANGUARD SHORT TERM GOVERNMENT BOND ETF Com 92206C102 2,249 36,161 SH   SOLE 0 36,161 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409 7,879 95,323 SH   SOLE 0 95,323 0 0
VANGUARD SHORT-TERM CORP BO Com 92206C409 120 1,450 SH   DFND 0 1,450 0 0
VANGUARD S&P 500 ETF Com 922908363 726 2,561 SH   SOLE 0 2,561 0 0
VANGUARD REAL ESTATE ETF Com 922908553 841 10,705 SH   SOLE 0 10,705 0 0
VANGUARD REAL ESTATE ETF Com 922908553 76 971 SH   DFND 0 971 0 0
VANGUARD IND FD MID-CAP Com 922908629 455 2,775 SH   SOLE 0 2,775 0 0
VANGUARD IND FD MID-CAP Com 922908629 61 371 SH   DFND 0 371 0 0
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VANGUARD SMALL-CAP ETF Com 922908751 227 1,556 SH   SOLE 0 1,556 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 3,822 69,334 SH   SOLE 0 69,334 0 0
VERIZON COMMUNICATIONS INC Com 92343V104 164 2,979 SH   DFND 0 2,979 0 0
VISA INC-CLASS A SHARES Com 92826C839 2,650 13,716 SH   SOLE 0 13,366 0 350
WALMART INC Com 931142103 1,496 12,493 SH   SOLE 0 12,493 0 0
WALMART INC Com 931142103 216 1,800 SH   DFND 0 1,800 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 567 13,368 SH   SOLE 0 13,368 0 0
WALGREENS BOOTS ALLIANCE INC Com 931427108 63 1,480 SH   DFND 0 1,480 0 0
WELLS FARGO & CO Com 949746101 365 14,274 SH   SOLE 0 14,274 0 0
WELLS FARGO & CO Com 949746101 205 8,000 SH   DFND 0 8,000 0 0
WISDOMTREE HIGH DIVIDEND FUND Com 97717W208 216 3,470 SH   SOLE 0 3,470 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315 755 20,885 SH   SOLE 0 20,885 0 0
WISDOMTREE EMERGING MARKETS Com 97717W315 52 1,435 SH   DFND 0 1,435 0 0
WISDOM TREE SMALL CAP DIVIDEND Com 97717W604 317 14,960 SH   SOLE 0 14,960 0 0
WISDOMTREE EM EX-STATE-OWNED ENTERPRISES Com 97717X578 392 13,103 SH   SOLE 0 13,103 0 0
WISDOMTREE US QUALITY DIVID Com 97717X669 555 12,193 SH   SOLE 0 12,193 0 0
XILINX INC Com 983919101 245 2,494 SH   SOLE 0 2,494 0 0
ZOOM VIDEO COMMUNICATIONS INC Com 98980L101 212 835 SH   SOLE 0 835 0 0
ACCENTURE PLC-CL A Com G1151C101 562 2,619 SH   SOLE 0 2,619 0 0
ACCENTURE PLC-CL A Com G1151C101 100 467 SH   DFND 0 467 0 0
EATON CORP PLC Com G29183103 429 4,900 SH   SOLE 0 4,900 0 0
EATON CORP PLC Com G29183103 38 440 SH   DFND 0 440 0 0
MEDTRONIC PLC Com G5960L103 690 7,526 SH   SOLE 0 7,526 0 0
MEDTRONIC PLC Com G5960L103 14 156 SH   DFND 0 156 0 0
APTIV PLC Com G6095L109 445 5,711 SH   SOLE 0 5,711 0 0
APTIV PLC Com G6095L109 90 1,150 SH   DFND 0 1,150 0 0
Trane Technologies Plc ADR Com G8994E103 1,510 16,965 SH   SOLE 0 16,965 0 0
Trane Technologies Plc ADR Com G8994E103 9 101 SH   DFND 0 101 0 0
CHUBB LTD Com H1467J104 499 3,937 SH   SOLE 0 3,937 0 0