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 491 12,543 SH   DFND   0 0 12,543
ADOBE SYSTEMS INC COM 00724F101 502 3,365 SH   DFND   0 0 3,365
ALPHABET CLASS C COM 02079K107 535 558 SH   DFND   0 0 558
ALPHABET CLASS A COM 02079K305 237 243 SH   DFND   0 0 243
ALTRIA GROUP INC COM 02209S103 359 5,653 SH   DFND   0 0 5,653
AMGEN INC COM 031162100 203 1,090 SH   DFND   0 0 1,090
ANHEUSER-BUSCH INBEV SA/NV COM 03524A108 200 1,680 SH   DFND   0 0 1,680
APPLE INC COM 037833100 376 2,437 SH   DFND   0 0 2,437
BP PLC ADR COM 055622104 305 7,930 SH   DFND   0 0 7,930
BOFI HOLDING INC COM 05566U108 1,135 39,850 SH   DFND   0 0 39,850
BERKSHIRE HATHAWAY NEW CLASS B COM 084670702 263 1,434 SH   DFND   0 0 1,434
BERKSHIRE HTWY CL.A 100 SHS=1 WHOLE 084990175 824 300 SH   DFND   0 0 300
CSX CORP COM 126408103 304 5,600 SH   DFND   0 0 5,600
CHEVRON CORP NEW COM 166764100 2,390 20,340 SH   DFND   0 0 20,340
DANAHER CORP COM 235851102 967 11,275 SH   DFND   0 0 11,275
DEERE& CO COM 244199105 214 1,700 SH   DFND   0 0 1,700
DETTO TECHNOLOGIES INC COM 251463105 0 32,000 SH   DFND   0 0 32,000
DIAGEO PLC ADR NEW COM 25243Q205 260 1,970 SH   DFND   0 0 1,970
DISNEY WALT CO (HOLDING CO) COM 254687106 936 9,497 SH   DFND   0 0 9,497
DOWDUPONT INC COM 26078J100 927 13,390 SH   DFND   0 0 13,390
VANGUARD S&P 500 UCITS ETF USD COM 27399X646 1,533 32,100 SH   DFND   0 0 32,100
EDISON INTERNATIONAL COM 281020107 281 3,639 SH   DFND   0 0 3,639
EDWARDS LIFESCIENCES COM 28176E108 590 5,395 SH   DFND   0 0 5,395
EXXON MOBIL CORP (NEW) COM 30231G102 616 7,512 SH   DFND   0 0 7,512
GAIA INC NEW CLASS A COM 36269P104 319 26,600 SH   DFND   0 0 26,600
GENERAL MOTORS COMPANY S COM 37045V100 277 6,850 SH   DFND   0 0 6,850
GILEAD SCIENCES INC COM 375558103 243 3,000 SH   DFND   0 0 3,000
HALLIBURTON CO COM 406216101 1,265 27,480 SH   DFND   0 0 27,480
HOST HOTELS& RESORTS INC COM 44107P104 852 46,080 SH   DFND   0 0 46,080
INTEGRATED DEVICE TECH INC COM 458118106 239 9,000 SH   DFND   0 0 9,000
INTEL CORP COM 458140100 539 14,145 SH   DFND   0 0 14,145
INTER PARFUMS INC COM 458334109 1,103 26,730 SH   DFND   0 0 26,730
INTUITIVE SURGICAL NEW COM 46120E602 598 572 SH   DFND   0 0 572
iSHARES T-BOND 1-3 YRS FUND COM 464287457 795 9,411 SH   DFND   0 0 9,411
iSHARES S&P MIDCAP 400 GRWTH COM 464287606 1,107 5,468 SH   DFND   45 0 5,423
iSHARES CORE S&P SMALL-CAP ETF COM 464287804 8,295 111,763 SH   DFND   450 0 111,313
iSHS III S&P SML CAP 600 UCITS COM 464288QST 482 8,000 SH   DFND   0 0 8,000
iSHS MSCI USA DIV IQ UCITS ETF COM 464288SST 913 28,500 SH   DFND   0 0 28,500
iSHARES NASDAQ 100 UCITS ETF COM 464288STT 694 2,100 SH   DFND   0 0 2,100
iSHRS VII DOW JONES IND ETF COM 464289BST 360 1,500 SH   DFND   0 0 1,500
JOHNSON& JOHNSON COM 478160104 277 2,131 SH   DFND   0 0 2,131
MASTERCARD INCORPORATED COM 57636Q104 1,516 10,740 SH   DFND   0 0 10,740
MERCK& CO. INC. COM 58933Y105 213 3,332 SH   DFND   0 0 3,332
MICROSOFT CORP COM 594918104 1,838 24,670 SH   DFND   0 0 24,670
NESTLE SA ADR COM 641069406 215 2,560 SH   DFND   0 0 2,560
NORTHERN GRAPHITE CORP F COM 66516A105 4 20,000 SH   DFND   0 0 20,000
PEPSICO INC COM 713448108 333 2,991 SH   DFND   0 0 2,991
PFIZER INCORPORATION COM 717081103 661 18,502 SH   DFND   0 0 18,502
POWERSHARES QQQ COM 73935A104 9,041 62,160 SH   DFND   370 0 61,790
PROCTER AND GAMBLE COMPANY COM 742718109 266 2,923 SH   DFND   0 0 2,923
RPC, INC COM 749660106 918 37,030 SH   DFND   0 0 37,030
GUGGENHEIM S&P 500 EQUAL WEIGHT HEALTH CA 78355W841 1,396 7,969 SH   DFND   60 0 7,909
SPDR S&P DIVIDEND ETF COM 78464A763 18,366 201,099 SH   DFND   940 0 200,159
SPDR S&P BIOTECH COM 78464A870 2,812 32,480 SH   DFND   250 0 32,230
SCHLUMBERGER LTD COM 806857108 257 3,685 SH   DFND   0 0 3,685
SCHWAB US BROAD MKT ETF COM 808524102 5,546 91,054 SH   DFND   605 0 90,449
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 11,981 181,340 SH   DFND   1,240 0 180,100
SCHWAB INTERNATIONAL EQTY ETF COM 808524805 5,373 160,539 SH   DFND   1,010 0 159,529
SCHWAB S-T US TREASURY ETF COM 808524862 850 16,874 SH   DFND   0 0 16,874
SECTOR SPDR FINCL SELECT SHS COM 81369Y605 3,238 125,200 SH   DFND   595 0 124,605
STRYKER CORP COM 863667101 1,336 9,410 SH   DFND   0 0 9,410
3M COMPANY COM 88579Y101 999 4,760 SH   DFND   0 0 4,760
UNION PACIFIC CORPORATION COM 907818108 220 1,900 SH   DFND   0 0 1,900
VANGUARD INTER-TRM BOND ETF COM 921937819 284 3,350 SH   DFND   0 0 3,350
VANGUARD FTSE DEVELOPED MKTS COM 921943858 2,993 68,939 SH   DFND   0 0 68,939
VEEVA SYSTEMS INC COM 922475108 483 8,570 SH   DFND   0 0 8,570
VANGUARD REIT VIPER FUND COM 922908553 287 3,450 SH   DFND   0 0 3,450
VANGUARD US LRG CAP GR IND ETF COM 922908736 6,613 49,815 SH   DFND   0 0 49,815
VANGUARD TOTAL STK MKT ETF COM 922908769 2,400 18,533 SH   DFND   0 0 18,533
VISA, INC COM 92826C839 1,001 9,510 SH   DFND   0 0 9,510
ACCENTURE PLC CL.A COM G1151C101 912 6,755 SH   DFND   0 0 6,755
ELBIT SYSTEMS LTD COM M3760D101 1,246 8,470 SH   DFND   0 0 8,470
TOWER SEMICONDUCTOR, LTD COM M87915274 290 9,430 SH   DFND   0 0 9,430