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 478 11,764 SH   DFND   0 0 11,764
ALPHABET CLASS C COM 02079K107 492 633 SH   DFND   0 0 633
ALTRIA GROUP INC COM 02209S103 372 5,878 SH   DFND   0 0 5,878
APPLE INC COM 037833100 311 2,751 SH   DFND   0 0 2,751
BARD C R INC COM 067383109 1,230 5,485 SH   DFND   0 0 5,485
BERKSHIRE HATHAWAY NEW CLASS B COM 084670702 243 1,684 SH   DFND   0 0 1,684
BERKSHIRE HTWY CL.A 100 SHS=1 WHOLE 084990175 649 300 SH   DFND   0 0 300
CVS HEALTH CORPORATION COM 126650100 823 9,245 SH   DFND   0 0 9,245
CHEVRON CORP NEW COM 166764100 2,025 19,671 SH   DFND   0 0 19,671
GUGGENHEIM BULLETSHS 2016 CORP BOND ETF 18383M555 5,517 250,077 SH   DFND   7,350 0 242,727
DETTO TECHNOLOGIES INC COM 251463105 0 32,000 SH   DFND   0 0 32,000
DISNEY WALT CO (HOLDING CO) COM 254687106 878 9,458 SH   DFND   0 0 9,458
VANGUARD S&P 500 UCITS ETF USD COM 27399X646 3,227 78,300 SH   DFND   0 0 78,300
EDISON INTERNATIONAL COM 281020107 263 3,639 SH   DFND   0 0 3,639
EXXON MOBIL CORP (NEW) COM 30231G102 586 6,717 SH   DFND   0 0 6,717
GENERAL MOTORS COMPANY S COM 37045V100 214 6,750 SH   DFND   0 0 6,750
HALLIBURTON CO COM 406216101 1,216 27,090 SH   DFND   0 0 27,090
INTEGRATED DEVICE TECH INC COM 458118106 208 9,000 SH   DFND   0 0 9,000
INTEL CORP COM 458140100 439 11,635 SH   DFND   0 0 11,635
iSHARES S&P MIDCAP 400 GRWTH COM 464287606 908 5,198 SH   DFND   45 0 5,153
iSHARES S&P EURO 35O IDX COM 464287861 3,694 93,813 SH   DFND   560 0 93,253
iSHS MSCI USA DIV IQ UCITS ETF COM 464288SST 2,317 80,500 SH   DFND   0 0 80,500
iSHARES NASDAQ 100 UCITS ETF COM 464288STT 563 2,100 SH   DFND   0 0 2,100
JOHNSON& JOHNSON COM 478160104 261 2,207 SH   DFND   0 0 2,207
ESTEE LAUDER INC COM 518439104 1,034 11,680 SH   DFND   0 0 11,680
MASTERCARD INCORPORATED COM 57636Q104 1,180 11,590 SH   DFND   0 0 11,590
MICROSOFT CORP COM 594918104 1,575 27,340 SH   DFND   0 0 27,340
NORTHERN GRAPHITE CORP F COM 66516A105 5 20,000 SH   DFND   0 0 20,000
PEPSICO INC COM 713448108 289 2,661 SH   DFND   0 0 2,661
PFIZER INCORPORATION COM 717081103 461 13,621 SH   DFND   0 0 13,621
POWERSHARES QQQ COM 73935A104 7,514 63,291 SH   DFND   370 0 62,921
POWERSHARES PREFERRED ETF COM 73936T565 7,618 503,525 SH   DFND   1,810 0 501,715
PROCTER AND GAMBLE COMPANY COM 742718109 262 2,923 SH   DFND   0 0 2,923
GUGGENHEIM S&P 500 EQUAL WEIGHT HEALTH CA 78355W841 1,026 6,594 SH   DFND   60 0 6,534
SPDR S&P DIVIDEND ETF COM 78464A763 14,083 166,941 SH   DFND   775 0 166,166
SPDR S&P BIOTECH COM 78464A870 1,186 17,895 SH   DFND   140 0 17,755
SCHWAB US BROAD MKT ETF COM 808524102 1,054 20,149 SH   DFND   0 0 20,149
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 9,755 175,821 SH   DFND   1,230 0 174,591
SCHWAB INTERNATIONAL EQTY ETF COM 808524805 590 20,489 SH   DFND   0 0 20,489
SCHWAB S-T US TREASURY ETF COM 808524862 1,798 35,406 SH   DFND   0 0 35,406
SECTOR SPDR TR CONS STPLS COM 81369Y308 2,843 53,437 SH   DFND   270 0 53,167
STRYKER CORP COM 863667101 1,344 11,545 SH   DFND   0 0 11,545
VANECK VECTORS GOLD MINERS ETF COM 92189F106 3,722 140,840 SH   DFND   530 0 140,310
VANGUARD INTER-TRM BOND ETF COM 921937819 368 4,200 SH   DFND   0 0 4,200
VANGUARD US LRG CAP GR IND ETF COM 922908736 5,583 49,720 SH   DFND   0 0 49,720
VANGUARD TOTAL STK MKT ETF COM 922908769 271 2,432 SH   DFND   0 0 2,432
MEDTRONIC PLC COM G5960L103 1,032 11,940 SH   DFND   0 0 11,940
CORE LABORATORIES NV COM N22717107 1,064 9,470 SH   DFND   0 0 9,470