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 262 8,000 SH   DFND   0 0 8,000
ADOBE SYSTEMS INC COM 00724F101 560 2,525 SH   DFND   0 0 2,525
ALPHABET CLASS C COM 02079K107 423 416 SH   DFND   0 0 416
ALPHABET CLASS A COM 02079K305 248 243 SH   DFND   0 0 243
ALTRIA GROUP INC COM 02209S103 297 5,293 SH   DFND   0 0 5,293
AMAZON.COM INC COM 023135106 368 235 SH   DFND   0 0 235
APPLE INC COM 037833100 452 2,737 SH   DFND   100 0 2,637
BP PLC ADR COM 055622104 458 10,280 SH   DFND   0 0 10,280
BOFI HOLDING INC COM 05566U108 1,064 26,420 SH   DFND   0 0 26,420
BERKSHIRE HATHAWAY NEW CLASS B COM 084670702 307 1,584 SH   DFND   0 0 1,584
BERKSHIRE HTWY CL.A 100 SHS=1 WHOLE 084990175 872 300 SH   DFND   0 0 300
BOEING COMPANY COM 097023105 264 790 SH   DFND   50 0 740
CSX CORP COM 126408103 333 5,600 SH   DFND   0 0 5,600
CHEVRON CORP NEW COM 166764100 2,655 21,222 SH   DFND   0 0 21,222
COGNIZANT TECH SOL CL.A COM 192446102 1,047 12,800 SH   DFND   0 0 12,800
COSTCO WHSL CORP (NEW) COM 22160K105 1,004 5,090 SH   DFND   0 0 5,090
CULLEN FROST BANKERS COM 229899109 1,102 9,625 SH   DFND   0 0 9,625
DEERE& CO COM 244199105 264 1,950 SH   DFND   125 0 1,825
DETTO TECHNOLOGIES INC COM 251463105 0 32,000 SH   DFND   0 0 32,000
DIAGEO PLC ADR NEW COM 25243Q205 273 1,920 SH   DFND   0 0 1,920
EDWARDS LIFESCIENCES COM 28176E108 593 4,660 SH   DFND   0 0 4,660
EXXON MOBIL CORP (NEW) COM 30231G102 857 11,028 SH   DFND   318 0 10,710
GAIA INC NEW CLASS A COM 36269P104 782 51,600 SH   DFND   0 0 51,600
GENERAL MOTORS COMPANY S COM 37045V100 252 6,850 SH   DFND   0 0 6,850
GILEAD SCIENCES INC COM 375558103 204 2,824 SH   DFND   0 0 2,824
HALLIBURTON CO COM 406216101 1,475 27,839 SH   DFND   0 0 27,839
HUNTINGTON BANCSHARES COM 446150104 975 65,380 SH   DFND   0 0 65,380
HUNTINGTON INGALLS INDUSTRIES COM 446413106 972 3,995 SH   DFND   0 0 3,995
INTEGRATED DEVICE TECH INC COM 458118106 250 9,000 SH   DFND   0 0 9,000
INTEL CORP COM 458140100 740 14,334 SH   DFND   250 0 14,084
INTER PARFUMS INC COM 458334109 1,379 26,935 SH   DFND   0 0 26,935
INTUIT INC COM 461202103 1,155 6,250 SH   DFND   0 0 6,250
INTUITIVE SURGICAL NEW COM 46120E602 543 1,233 SH   DFND   0 0 1,233
iSHARES T-BOND 1-3 YRS FUND COM 464287457 591 7,101 SH   DFND   0 0 7,101
iSHARES S&P MIDCAP 400 GRWTH COM 464287606 1,282 5,943 SH   DFND   45 0 5,898
iSHARES CORE S&P SMALL-CAP ETF COM 464287804 7,404 95,138 SH   DFND   880 0 94,258
JAPAN SMALLER CAP FUND COM 47109U104 973 79,200 SH   DFND   0 0 79,200
JOHNSON& JOHNSON COM 478160104 294 2,322 SH   DFND   150 0 2,172
LANDSTAR SYSTEMS, INC. COM 515098101 911 8,965 SH   DFND   0 0 8,965
MASTERCARD INCORPORATED COM 57636Q104 1,076 6,035 SH   DFND   0 0 6,035
MERCK& CO. INC. COM 58933Y105 256 4,344 SH   DFND   350 0 3,994
MICROSOFT CORP COM 594918104 1,501 16,051 SH   DFND   225 0 15,826
NORTHERN GRAPHITE CORP F COM 66516A105 5 20,000 SH   DFND   0 0 20,000
PEPSICO INC COM 713448108 312 3,091 SH   DFND   0 0 3,091
PFIZER INCORPORATION COM 717081103 716 19,551 SH   DFND   450 0 19,101
POWERSHARES QQQ COM 73935A104 248 1,540 SH   DFND   0 0 1,540
POWERSHARES S&P 500 EQ WEIGHT HEALTH CAREPORT 739371789 1,320 7,387 SH   DFND   60 0 7,327
RPC, INC COM 749660106 668 37,080 SH   DFND   0 0 37,080
RIO TINTO PLC ADR COM 767204100 1,279 23,280 SH   DFND   0 0 23,280
ROYAL DUTCH SHELL PLC CL.B COM 780259107 217 2,995 SH   DFND   0 0 2,995
SPDW PORTFOLIO WORLD ex-US ETF COM 78463X889 1,849 58,013 SH   DFND   575 0 57,438
SPDR S&P DIVIDEND ETF COM 78464A763 16,140 177,595 SH   DFND   1,875 0 175,720
SPDR BARCLAYS 1-3 MO TBILL ETF COM 78468R663 2,399 26,205 SH   DFND   130 0 26,075
SCHWAB US BROAD MKT ETF COM 808524102 5,927 92,571 SH   DFND   1,495 0 91,076
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 12,310 170,618 SH   DFND   3,370 0 167,248
SCHWAB INTERNATIONAL EQTY ETF COM 808524805 8,287 242,381 SH   DFND   6,310 0 236,071
SCHWAB S-T US TREASURY ETF COM 808524862 1,014 20,415 SH   DFND   0 0 20,415
SECTOR SPDR ENERGY SELECT SHS COM 81369Y506 3,673 49,760 SH   DFND   560 0 49,200
SECTOR SPDR FINCL SELECT SHS COM 81369Y605 3,659 133,280 SH   DFND   1,395 0 131,885
STRYKER CORP COM 863667101 1,505 8,885 SH   DFND   0 0 8,885
SUNCOR ENERGY INC NEW COM 867224107 203 5,300 SH   DFND   0 0 5,300
TEXAS INSTRUMENTS INCORPORATED COM 882508104 213 2,100 SH   DFND   200 0 1,900
UNION PACIFIC CORPORATION COM 907818108 254 1,900 SH   DFND   0 0 1,900
VANECK VECTORS ETF TR COM 92189F718 225 8,300 SH   DFND   0 0 8,300
VANGUARD FTSE DEVELOPED MKTS COM 921943858 3,123 69,699 SH   DFND   50 0 69,649
VANGUARD US LRG CAP GR IND ETF COM 922908736 6,504 45,715 SH   DFND   0 0 45,715
VANGUARD TOTAL STK MKT ETF COM 922908769 2,522 18,502 SH   DFND   193 0 18,309
VISA, INC COM 92826C839 1,289 10,160 SH   DFND   175 0 9,985
CORE LABORATORIES NV COM N22717107 1,081 8,825 SH   DFND   0 0 8,825