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 832 29,144 SH   DFND   18,460 0 10,684
ABBOTT LABORATORIES COM 002824100 1,497 20,698 SH   DFND   13,395 0 7,303
ABBVIE INC COM 00287Y109 909 9,860 SH   DFND   6,535 0 3,325
ADOBE INC. COM 00724F101 356 1,575 SH   DFND   130 0 1,445
ALPHABET CLASS C COM 02079K107 508 491 SH   DFND   65 0 426
ALPHABET CLASS A COM 02079K305 252 241 SH   DFND   0 0 241
ALTRIA GROUP INC COM 02209S103 260 5,268 SH   DFND   0 0 5,268
AMAZON.COM INC COM 023135106 395 263 SH   DFND   45 0 218
ANTHEM INC COM 036752103 1,547 5,891 SH   DFND   3,955 0 1,936
BP PLC ADR COM 055622104 446 11,766 SH   DFND   0 0 11,766
BANK OF AMERICA CORP COM 060505104 1,187 48,188 SH   DFND   32,636 0 15,552
BERKSHIRE HATHAWAY NEW CLASS B COM 084670702 1,635 8,006 SH   DFND   4,155 0 3,851
BERKSHIRE HTWY CL.A 100 SHS=1 WHOLE 084990175 918 300 SH   DFND   0 0 300
BOEING COMPANY COM 097023105 221 685 SH   DFND   0 0 685
BRISTOL-MYERS SQUIBB CO COM 110122108 704 13,549 SH   DFND   12,150 0 1,399
CHEVRON CORP NEW COM 166764100 3,610 33,183 SH   DFND   7,185 0 25,998
CISCO SYSTEMS INC COM 17275R102 1,947 44,934 SH   DFND   16,210 0 28,724
CITRIX SYSTEMS INC COM 177376100 969 9,460 SH   DFND   550 0 8,910
COSTCO WHSL CORP (NEW) COM 22160K105 1,046 5,135 SH   DFND   280 0 4,855
DANAHER CORP COM 235851102 1,008 9,775 SH   DFND   730 0 9,045
DEERE& CO COM 244199105 254 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 1,557 10,977 SH   DFND   5,755 0 5,222
DISNEY WALT CO (HOLDING CO) COM 254687106 2,526 23,037 SH   DFND   8,675 0 14,362
EMERSON ELECTRIC CO COM 291011104 1,058 17,703 SH   DFND   11,615 0 6,088
EXXON MOBIL CORP (NEW) COM 30231G102 720 10,560 SH   DFND   485 0 10,075
FLUOR CORPORATION NEW COM 343412102 225 7,000 SH   SOLE   7,000 0 0
GAIA INC NEW CLASS A COM 36269P104 535 51,600 SH   DFND   0 0 51,600
GILEAD SCIENCES INC COM 375558103 1,564 24,999 SH   DFND   19,575 0 5,424
HONEYWELL INTERNATIONAL INC COM 438516106 1,453 11,000 SH   DFND   6,376 0 4,624
INTEL CORP COM 458140100 1,726 36,779 SH   DFND   20,751 0 16,028
INTUIT INC COM 461202103 1,181 6,000 SH   DFND   350 0 5,650
INTUITIVE SURGICAL NEW COM 46120E602 392 818 SH   DFND   85 0 733
INVESCO S&P 500 EQ WT HEALTH COM 46137V332 1,254 7,062 SH   DFND   190 0 6,872
iSHARES T-BOND 1-3 YRS FUND COM 464287457 529 6,325 SH   DFND   970 0 5,355
iSHARES S&P MIDCAP 400 GRWTH COM 464287606 997 5,214 SH   DFND   155 0 5,059
iSHARES CORE S&P SMALL-CAP ETF COM 464287804 6,397 92,288 SH   DFND   1,780 0 90,508
iSHARES CORE HIGH DIV ETF COM 46429B663 1,234 14,620 SH   DFND   375 0 14,245
JPMORGAN CHASE& CO COM 46625H100 1,366 13,998 SH   DFND   9,340 0 4,658
JOHNSON& JOHNSON COM 478160104 1,677 12,996 SH   DFND   8,140 0 4,856
KIMBERLY CLARK CORP COM 494368103 1,360 11,937 SH   DFND   10,138 0 1,799
MARKEL CORP COM 570535104 1,297 1,249 SH   DFND   880 0 369
MASTERCARD INCORPORATED COM 57636Q104 1,160 6,150 SH   DFND   330 0 5,820
MERCK& CO. INC. COM 58933Y105 296 3,875 SH   DFND   300 0 3,575
MICROSOFT CORP COM 594918104 3,310 32,592 SH   DFND   11,760 0 20,832
MONDELEZ INTERNATIONAL INC COM 609207105 708 17,690 SH   DFND   12,225 0 5,465
NESTLE SA ADR COM 641069406 1,612 19,916 SH   DFND   14,192 0 5,724
NORTHERN GRAPHITE CORP F COM 66516A105 2 20,000 SH   DFND   0 0 20,000
PEPSICO INC COM 713448108 342 3,091 SH   DFND   0 0 3,091
PFIZER INCORPORATION COM 717081103 2,186 50,075 SH   DFND   20,710 0 29,365
PROCTER AND GAMBLE COMPANY COM 742718109 1,334 14,508 SH   DFND   9,865 0 4,643
QUALCOMM INC COM 747525103 948 16,656 SH   DFND   11,130 0 5,526
ROYAL DUTCH SHELL PLC CL.B COM 780259107 265 4,416 SH   DFND   0 0 4,416
SPDR S&P 500 ETF COM 78462F103 295 1,181 SH   DFND   730 0 451
SPDW PORTFOLIO WORLD ex-US ETF COM 78463X889 1,526 57,683 SH   DFND   755 0 56,928
SPDR S&P DIVIDEND ETF COM 78464A763 15,779 176,263 SH   DFND   3,615 0 172,648
SPDR BARCLAYS 1-3 MO TBILL ETF COM 78468R663 2,817 30,805 SH   DFND   240 0 30,565
SCHWAB US BROAD MKT ETF COM 808524102 5,280 88,099 SH   DFND   2,860 0 85,239
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 10,061 145,959 SH   DFND   4,650 0 141,309
SCHWAB INTERNATIONAL EQTY ETF COM 808524805 5,912 208,524 SH   DFND   6,875 0 201,649
SCHWAB S-T US TREASURY ETF COM 808524862 865 17,340 SH   DFND   0 0 17,340
SECTOR SPDR ENERGY SELECT SHS COM 81369Y506 2,535 44,205 SH   DFND   995 0 43,210
STRYKER CORP COM 863667101 1,352 8,625 SH   DFND   310 0 8,315
UNION PACIFIC CORPORATION COM 907818108 263 1,900 SH   DFND   0 0 1,900
UNITEDHEALTH GROUP INC COM 91324P102 1,417 5,687 SH   DFND   3,832 0 1,855
VANGUARD FTSE DEVELOPED MKTS COM 921943858 1,162 31,334 SH   DFND   1,145 0 30,189
VANGUARD US LRG CAP GR IND ETF COM 922908736 4,955 36,885 SH   DFND   170 0 36,715
VANGUARD TOTAL STK MKT ETF COM 922908769 2,093 16,402 SH   DFND   193 0 16,209
VERIZON COMMUNICATIONS COM 92343V104 994 17,683 SH   DFND   11,324 0 6,359
VISA, INC COM 92826C839 1,333 10,100 SH   DFND   505 0 9,595
WALMART, INC COM 931142103 1,376 14,770 SH   DFND   1,250 0 13,520
WELLS FARGO& CO (NEW) COM 949746101 2,933 63,641 SH   DFND   55,431 0 8,210
AON PLC CLASS A COM G0408V102 999 6,875 SH   DFND   4,325 0 2,550
CHUBB LTD COM COM H1467J104 398 3,081 SH   DFND   2,986 0 95