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 COM 88579Y101 131 750 SH   DFND   0 0 750
3M CO COM 88579Y101 1,271 7,257 SH   SOLE   0 0 7,257
ABBOT LABS COM 002824100 752 19,136 SH   SOLE   0 0 19,136
ABBVIE INC COM 00287Y109 258 4,175 SH   DFND   0 0 4,175
ABBVIE INC COM 00287Y109 84 1,350 SH   SOLE   0 0 1,350
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 375 3,310 SH   DFND   0 0 3,310
AFLAC INC COM 001055102 256 3,550 SH   DFND   0 0 3,550
AIR PRODS & CHEMS INC COM 009158106 429 3,020 SH   DFND   0 0 3,020
AMAZON.COM INC COM 023135106 755 1,055 SH   DFND   0 0 1,055
AMERICAN CAPITAL AGENCY CORP COM 02503X105 277 14,000 SH   DFND   0 0 14,000
AMERICAN EXPRESS CO COM 025816109 203 3,345 SH   DFND   0 0 3,345
AMERICAN EXPRESS CO COM 025816109 849 13,967 SH   SOLE   0 0 13,967
AMGEN INC COM 031162100 382 2,512 SH   DFND   0 0 2,512
AMGEN INC COM 031162100 114 750 SH   SOLE   0 0 750
ANNALY CAP MGMT INC COM 035710409 443 40,000 SH   DFND   0 0 40,000
APPLE INC COM 037833100 1,304 13,645 SH   DFND   0 0 13,645
APPLE INC COM 037833100 684 7,153 SH   SOLE   0 0 7,153
AT&T INC COM 00206R102 406 9,402 SH   DFND   0 0 9,402
AT&T INC COM 00206R102 1,628 37,665 SH   SOLE   0 0 37,665
AUTODESK INC COM 052769106 208 3,838 SH   DFND   0 0 3,838
BARCLAYS BK PLC IPATH S&P500 VIX 06742E711 138 10,000 SH   DFND   0 0 10,000
BARD C R INC COM 067383109 286 1,215 SH   DFND   0 0 1,215
BECTON DICKINSON & CO COM 075887109 519 3,060 SH   DFND   0 0 3,060
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 456 3,150 SH   DFND   0 0 3,150
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 72 500 SH   SOLE   0 0 500
BRISTOL MYERS SQUIBB CO COM 110122108 684 9,298 SH   DFND   0 0 9,298
BUCKEYE PARTNERS LP UNIT LTD PARTN 118230101 314 4,465 SH   DFND   0 0 4,465
CATERPILLAR INC DEL COM 149123101 101 1,330 SH   DFND   0 0 1,330
CATERPILLAR INC DEL COM 149123101 1,024 13,511 SH   SOLE   0 0 13,511
CHEVRON CORP NEW COM 166764100 85 812 SH   DFND   0 0 812
CHEVRON CORP NEW COM 166764100 210 2,000 SH   SOLE   0 0 2,000
COCA COLA CO COM 191216100 1,457 32,151 SH   SOLE   0 0 32,151
COCA COLA CO COM 191216100 15 336 SH   DFND   0 0 336
COLGATE PALMOLIVE CO COM 194162103 231 3,155 SH   DFND   0 0 3,155
COLGATE PALMOLIVE CO COM 194162103 1,249 17,069 SH   SOLE   0 0 17,069
COSTCO WHSL CORP NEW COM 22160K105 367 2,340 SH   DFND   0 0 2,340
CVS HEALTH CORP COM 126650100 463 4,832 SH   DFND   0 0 4,832
DEERE & CO COM 244199105 19 230 SH   DFND   0 0 230
DEERE & CO COM 244199105 998 12,319 SH   SOLE   0 0 12,319
DISNEY WALT CO COM DISNEY 254687106 421 4,301 SH   DFND   0 0 4,301
DISNEY WALT CO COM DISNEY 254687106 778 7,951 SH   SOLE   0 0 7,951
DU PONT E I DE NEMOURS & CO COM 263534109 1,208 18,644 SH   SOLE   0 0 18,644
EMERSON ELEC CO COM 291011104 277 5,308 SH   DFND   0 0 5,308
EMERSON ELEC CO COM 291011104 1,076 20,622 SH   SOLE   0 0 20,622
EXXON MOBIL CORP COM 30231G102 726 7,745 SH   DFND   0 0 7,745
EXXON MOBIL CORP COM 30231G102 1,674 17,855 SH   SOLE   0 0 17,855
GILEAD SCIENCES INC COM 375558103 624 7,480 SH   DFND   0 0 7,480
HOME DEPOT INC COM 437076102 139 1,090 SH   DFND   0 0 1,090
HOME DEPOT INC COM 437076102 447 3,500 SH   SOLE   0 0 3,500
INTERNATIONAL BUSINESS MACHS COM 459200101 1,371 9,035 SH   SOLE   0 0 9,035
ISHARES EM MK MINVOL ETF 464286533 841 16,305 SH   DFND   0 0 16,305
ISHARES MSCI CDA ETF 464286509 910 37,110 SH   DFND   37,110 0 0
ISHARES TR EAFE MIN VOL ETF 46429B689 1,318 19,855 SH   DFND   16,185 0 3,670
ISHARES TR EAFE GRWTH ETF 464288885 387 5,910 SH   DFND   0 0 5,910
ISHARES TR CORE S&P SCP ETF 464287804 463 3,985 SH   DFND   0 0 3,985
ISHARES TR RUS 1000 VAL ETF 464287598 2,165 20,969 SH   DFND   0 0 20,969
ISHARES TR RUS 1000 GRW ETF 464287614 2,631 26,220 SH   DFND   0 0 26,220
ISHARES TR RUS 2000 VAL ETF 464287630 915 9,405 SH   DFND   0 0 9,405
ISHARES TR SHRT TRS BD ETF 464288679 1,105 10,000 SH   DFND   0 0 10,000
ISHARES TR USA MIN VOL ETF 46429B697 4,862 105,212 SH   DFND   0 0 105,212
JOHNSON & JOHNSON COM 478160104 746 6,146 SH   DFND   0 0 6,146
JOHNSON & JOHNSON COM 478160104 1,535 12,652 SH   SOLE   0 0 12,652
JPMORGAN CHASE & CO ALERIAN ML ETN 46625H365 759 23,865 SH   DFND   0 0 23,865
KIMBERLY CLARK CORP COM 494368103 908 6,607 SH   DFND   0 0 6,607
LOCKHEED MARTIN CORP COM 539830109 255 1,026 SH   DFND   0 0 1,026
MCDONALDS CORP COM 580135101 302 2,506 SH   DFND   0 0 2,506
MCDONALDS CORP COM 580135101 1,045 8,683 SH   SOLE   0 0 8,683
MEDTRONIC PLC SHS G5960L103 186 2,149 SH   DFND   0 0 2,149
MEDTRONIC PLC SHS G5960L103 1,057 12,181 SH   SOLE   0 0 12,181
MICROSOFT CORP COM 594918104 295 5,770 SH   DFND   0 0 5,770
MICROSOFT CORP COM 594918104 1,103 21,547 SH   SOLE   0 0 21,547
NIKE INC CL B 654106103 273 4,938 SH   DFND   0 0 4,938
NORTHERN TR CORP COM 665859104 332 5,017 SH   DFND   0 0 5,017
NOVARTIS AG-SPONSORED ADR SPONSORED ADR 66987V109 703 8,521 SH   SOLE   0 0 8,521
NUVEEN QUALITY PFD INCOME FD COM 67072C105 100 10,835 SH   DFND   0 0 10,835
ORACLE CORP COM 68389X105 439 10,735 SH   DFND   0 0 10,735
PAYCHEX INC COM 704326107 535 8,997 SH   DFND   0 0 8,997
PEPSICO INC COM 713448108 387 3,650 SH   DFND   0 0 3,650
PEPSICO INC COM 713448108 265 2,500 SH   SOLE   0 0 2,500
PFIZER INC COM 717081103 201 5,702 SH   DFND   0 0 5,702
PFIZER INC COM 717081103 70 2,000 SH   SOLE   0 0 2,000
POWERSHARES QQQ TRUST UNIT SER 1 73935A104 1,075 10,000 SH   SOLE   0 0 10,000
PRICE T ROWE GROUP INC COM 74144T108 280 3,840 SH   DFND   0 0 3,840
PROCTER & GAMBLE CO COM 742718109 549 6,485 SH   DFND   0 0 6,485
PROCTER & GAMBLE CO COM 742718109 1,505 17,779 SH   SOLE   0 0 17,779
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,081 19,572 SH   SOLE   0 0 19,572
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 65 1,185 SH   DFND   0 0 1,185
SCHLUMBERGER LTD COM 806857108 324 4,100 SH   DFND   0 0 4,100
SCHLUMBERGER LTD COM 806857108 934 11,807 SH   SOLE   0 0 11,807
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 229 10,000 SH   SOLE   0 0 10,000
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 358 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,509 11,977 SH   SOLE   0 0 11,977
SPDR SERIES TRUST S&P DIVID ETF 78464A763 1,933 23,033 SH   DFND   0 0 23,033
STONEMOR PARTNERS LP COM UNITS 86183Q100 213 8,500 SH   DFND   0 0 8,500
STRYKER CORP COM 863667101 221 1,847 SH   DFND   0 0 1,847
STRYKER CORP COM 863667101 60 500 SH   SOLE   0 0 500
SUNTRUST BKS INC COM 867914103 303 7,388 SH   DFND   0 0 7,388
TELEFLEX INC COM 879369106 1,773 10,000 SH   DFND   0 0 10,000
TRAVELERS COS INC COM 89417E109 608 5,108 SH   DFND   0 0 5,108
UNILEVER PLC-SPONSORED ADR SPON ADR NEW 904767704 955 19,931 SH   SOLE   0 0 19,931
UNION PAC CORP COM 907818108 408 4,680 SH   DFND   0 0 4,680
UNION PAC CORP COM 907818108 1,114 12,768 SH   SOLE   0 0 12,768
UNITED TECHNOLOGIES CORP COM 913017109 137 1,340 SH   DFND   0 0 1,340
UNITED TECHNOLOGIES CORP COM 913017109 910 8,878 SH   SOLE   0 0 8,878
UNITEDHEALTH GROUP INC COM 91324P102 304 2,153 SH   DFND   0 0 2,153
VANGUARD BD INDEX FD INC TOTAL BND MRKT 921937835 1,487 17,637 SH   DFND   0 0 17,637
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 225 1,170 SH   DFND   0 0 1,170
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 979 20,985 SH   DFND   0 0 20,985
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 254 2,730 SH   DFND   0 0 2,730
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 6,781 81,467 SH   DFND   0 0 81,467
VANGUARD STAR FD VG TL INTL STK F 921909768 2,847 64,000 SH   DFND   0 0 64,000
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 854 24,165 SH   DFND   0 0 24,165
VERIZON COMMUNICATIONS INC COM 92343V104 261 4,674 SH   DFND   0 0 4,674
VERIZON COMMUNICATIONS INC COM 92343V104 168 3,000 SH   SOLE   0 0 3,000
VISA INC COM CL A 92826C839 228 3,072 SH   DFND   0 0 3,072
WELLS FARGO & CO NEW COM 949746101 138 2,921 SH   DFND   0 0 2,921
WELLS FARGO & CO NEW COM 949746101 189 4,000 SH   SOLE   0 0 4,000
WESTERN ASSET INVESTMENT GRADE DEFINED OPP -CEF COM 95790A101 207 9,615 SH   DFND   0 0 9,615
WISDOMTREE TR JAPN HEDGE EQT 97717W851 404 10,410 SH   DFND   0 0 10,410