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
AT&T INC COM 00206R102 304 8,564 SH   DFND   0 0 8,564
ABBOTT LABORATORIES COM 002824100 1,273 25,940 SH   DFND   0 0 25,940
ALTRIA GROUP INC COM 02209S103 361 7,374 SH   DFND   0 0 7,374
APPLE INC COM 037833100 2,711 21,617 SH   DFND   0 0 21,617
AXOGEN INC COM 05463X106 79 25,000 SH   DFND   0 0 25,000
BERKSHIRE HATHAWAY NEW CLASS B COM 084670702 221 1,627 SH   DFND   0 0 1,627
BERKSHIRE HTWY CL.A 100 SHS=1 WHOLE 084990175 615 300 SH   DFND   0 0 300
CHEVRON CORP NEW COM 166764100 766 7,936 SH   DFND   0 0 7,936
GUGGENHEIM BULLETSHS 2017 CORPORATE BOND ET 18383M548 1,933 84,980 SH   DFND   0 0 84,980
GUGGENHEIM BULLETSHS 2016 CORP BOND ETF 18383M555 9,256 416,650 SH   DFND   7,550 0 409,100
GUGGENHEIM BULLETSHS 2015 CORP BOND ETF 18383M563 5,366 247,730 SH   DFND   570 0 247,160
DETTO TECHNOLOGIES INC COM 251463105 0 32,000 SH   DFND   0 0 32,000
DISNEY WALT CO (HOLDING CO) COM 254687106 2,230 19,534 SH   DFND   0 0 19,534
VANGUARD S&P 500 UCITS ETF USD COM 27399X646 1,461 37,300 SH   DFND   0 0 37,300
EBAY INC COM 278642103 304 5,040 SH   DFND   0 0 5,040
EDISON INTERNATIONAL COM 281020107 205 3,688 SH   DFND   0 0 3,688
EXXON MOBIL CORP (NEW) COM 30231G102 568 6,821 SH   DFND   0 0 6,821
INTEL CORP COM 458140100 303 9,970 SH   DFND   0 0 9,970
INVESTORS BANCORP INC COM 46146L101 1,052 85,500 SH   DFND   0 0 85,500
iSHARES RUSSELL MIDCAP GRWTH COM 464287481 312 3,220 SH   DFND   0 0 3,220
iSHARES S&P MIDCAP 400 GRWTH COM 464287606 813 4,795 SH   DFND   60 0 4,735
iSHARES S&P EURO 35O IDX COM 464287861 1,008 23,055 SH   DFND   170 0 22,885
iSHARES MICRO-CAP ETF COM 464288869 3,019 37,025 SH   DFND   180 0 36,845
iSHS III S&P SML CAP 600 UCITS COM 464288QST 240 5,000 SH   DFND   0 0 5,000
iSHS MSCI USA DIV IQ UCITS ETF COM 464288SST 462 18,000 SH   DFND   0 0 18,000
iSHARES NASDAQ 100 UCITS ETF COM 464288STT 768 3,200 SH   DFND   0 0 3,200
iSHS CHINA LRGE CAP UCITS ETF COM 464288YRT 487 3,700 SH   DFND   0 0 3,700
iSHARES MSCI WORLD UCITS ETF COM 464288YWT 533 12,500 SH   DFND   0 0 12,500
iSHARES MSCI CHINA COM 46429B671 4,612 82,300 SH   DFND   450 0 81,850
JOHNSON& JOHNSON COM 478160104 211 2,159 SH   DFND   0 0 2,159
J2 GLOBAL COM 48123V102 1,078 15,870 SH   DFND   0 0 15,870
MARSH& MCLENNAN COS INC COM 571748102 1,057 18,635 SH   DFND   0 0 18,635
MASTERCARD INCORPORATED COM 57636Q104 1,177 12,595 SH   DFND   0 0 12,595
MERCK& CO. INC. COM 58933Y105 205 3,600 SH   DFND   0 0 3,600
MICROSOFT CORP COM 594918104 1,285 29,110 SH   DFND   0 0 29,110
NVR, INC COM 62944T105 599 447 SH   DFND   0 0 447
NORTHERN GRAPHITE CORP F COM 66516A105 9 20,000 SH   DFND   0 0 20,000
NOVAGOLD RES INC NEW F COM 66987E206 607 177,500 SH   DFND   0 0 177,500
NOVO-NORDISK A S ADR COM 670100205 1,245 22,730 SH   DFND   0 0 22,730
ORANGE COUNTY BUS BANK COM 684193105 255 27,832 SH   DFND   0 0 27,832
PFIZER INC COM 717081103 457 13,616 SH   DFND   0 0 13,616
POWERSHARES QQQ COM 73935A104 9,010 84,150 SH   DFND   540 0 83,610
GUGGENHEIM S&P EQ WEIGHT TECH COM 78355W817 1,696 18,790 SH   DFND   170 0 18,620
GUGGENHEIM S&P 500 EQUAL WEIGHT HEALTH CA 78355W841 1,048 6,570 SH   DFND   60 0 6,510
SPDR S&P 500 ETF COM 78462F103 260 1,263 SH   DFND   0 0 1,263
SPDR S&P US DIV ARIS UCITS ETF COM 78462FJST 897 22,800 SH   DFND   0 0 22,800
SPDR S&P 400 US MID CAP ETF COM 78462FRST 238 5,700 SH   DFND   0 0 5,700
SPDR MSCI ACWI (ex-US) COM 78463X848 393 11,424 SH   DFND   0 0 11,424
SPDR S&P HI YLD DIV ETF COM 78464A763 11,020 144,600 SH   DFND   565 0 144,035
SPDR S&P BANK ETF COM 78464A797 2,832 78,110 SH   DFND   410 0 77,700
ST JUDE MEDICAL INC COM 790849103 1,276 17,460 SH   DFND   0 0 17,460
HENRY SCHEIN INC COM 806407102 507 3,565 SH   DFND   0 0 3,565
SCHWAB US BROAD MKT ETF COM 808524102 496 9,880 SH   DFND   0 0 9,880
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 7,055 131,455 SH   DFND   280 0 131,175
SECTOR SPDR ENERGY SELECT SHS COM 81369Y506 3,329 44,295 SH   DFND   170 0 44,125
SECTOR SPDR FINCL SELECT SHS COM 81369Y605 4,373 179,355 SH   DFND   1,020 0 178,335
SKYWORKS SOLUTIONS INC COM 83088M102 1,873 17,990 SH   DFND   0 0 17,990
STRYKER CORP COM 863667101 1,200 12,555 SH   DFND   0 0 12,555
TD AMERITRADE HOLDING CORP COM 87236Y108 1,042 28,310 SH   DFND   0 0 28,310
TORCHMARK CORP COM 891027104 1,001 17,195 SH   DFND   0 0 17,195
VANGUARD DIV APPRECIATION ETF COM 921908844 7,222 91,910 SH   DFND   355 0 91,555
VANGUARD INTER-TRM BOND ETF COM 921937819 390 4,650 SH   DFND   0 0 4,650
VANGUARD US LRG CAP GR IND ETF COM 922908736 4,880 45,585 SH   DFND   0 0 45,585
WAL-MART STORES INC COM 931142103 230 3,248 SH   DFND   0 0 3,248
WELLS FARGO& CO (NEW) COM 949746101 1,155 20,544 SH   DFND   0 0 20,544
MEDTRONIC PLC COM G5960L103 976 13,165 SH   DFND   0 0 13,165
AVAGO TECHNOLOGIES LIMITED COM Y0486S104 2,142 16,110 SH   DFND   0 0 16,110