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 918 29,274 SH   DFND   18,320 0 10,954
ABBOTT LABORATORIES COM 002824100 1,643 20,553 SH   DFND   13,250 0 7,303
ABBVIE INC COM 00287Y109 793 9,840 SH   DFND   6,515 0 3,325
SEMPRA SAVING PLAN COM 0038508AT 972 10,000 SH   DFND   0 0 10,000
SEMPRA SAVINGS PLAN COM 0038508BT 1,674 10,000 SH   DFND   0 0 10,000
ADOBE INC. COM 00724F101 497 1,865 SH   DFND   290 0 1,575
ALPHABET CLASS C COM 02079K107 578 493 SH   DFND   67 0 426
ALPHABET CLASS A COM 02079K305 284 241 SH   DFND   0 0 241
ALTRIA GROUP INC COM 02209S103 462 8,048 SH   DFND   0 0 8,048
AMAZON.COM INC COM 023135106 472 265 SH   DFND   47 0 218
ANTHEM INC COM 036752103 1,382 4,816 SH   DFND   3,630 0 1,186
AURORA CANNABIS INC COM 05156X108 91 10,000 SH   DFND   0 0 10,000
BP PLC ADR COM 055622104 514 11,766 SH   DFND   0 0 11,766
BANK OF AMERICA CORP COM 060505104 1,395 50,573 SH   DFND   32,921 0 17,652
BERKSHIRE HATHAWAY NEW CLASS B COM 084670702 1,592 7,925 SH   DFND   4,110 0 3,815
BERKSHIRE HTWY CL.A 100 SHS=1 WHOLE 084990175 904 300 SH   DFND   0 0 300
BOEING COMPANY COM 097023105 261 685 SH   DFND   0 0 685
CABOT MICROELECTRONICS COM 12709P103 1,015 9,070 SH   DFND   670 0 8,400
CHEVRON CORP NEW COM 166764100 4,163 33,793 SH   DFND   7,205 0 26,588
CISCO SYSTEMS INC COM 17275R102 2,698 49,974 SH   DFND   16,170 0 33,804
COSTCO WHSL CORP (NEW) COM 22160K105 1,268 5,235 SH   DFND   330 0 4,905
DANAHER CORP COM 235851102 1,290 9,775 SH   DFND   730 0 9,045
DEERE& CO COM 244199105 272 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 1,615 9,872 SH   DFND   5,525 0 4,347
DIAMONDBACK ENERGY INC COM 25278X109 931 9,170 SH   DFND   690 0 8,480
DISNEY WALT CO (HOLDING CO) COM 254687106 2,586 23,287 SH   DFND   8,670 0 14,617
EMERSON ELECTRIC CO COM 291011104 1,209 17,653 SH   DFND   11,565 0 6,088
EXXON MOBIL CORP (NEW) COM 30231G102 2,207 27,316 SH   DFND   11,195 0 16,121
FASTENAL CO COM 311900104 1,035 16,100 SH   DFND   1,200 0 14,900
GAIA INC NEW CLASS A COM 36269P104 472 51,600 SH   DFND   0 0 51,600
GILEAD SCIENCES INC COM 375558103 1,828 28,119 SH   DFND   19,545 0 8,574
HONEYWELL INTERNATIONAL INC COM 438516106 1,729 10,880 SH   DFND   6,256 0 4,624
INTEL CORP COM 458140100 3,044 56,694 SH   DFND   21,246 0 35,448
INTUIT INC COM 461202103 1,621 6,200 SH   DFND   350 0 5,850
INTUITIVE SURGICAL NEW COM 46120E602 507 888 SH   DFND   135 0 753
INVESCO S&P 500 EQ WT HEALTH COM 46137V332 824 4,175 SH   DFND   70 0 4,105
iSHARES T-BOND 1-3 YRS FUND COM 464287457 528 6,275 SH   DFND   920 0 5,355
iSHARES S&P MIDCAP 400 GRWTH COM 464287606 669 3,055 SH   DFND   55 0 3,000
iSHARES CORE S&P SMALL-CAP ETF COM 464287804 7,334 95,059 SH   DFND   1,880 0 93,179
iSHARES CORE HIGH DIV ETF COM 46429B663 1,371 14,691 SH   DFND   375 0 14,316
JPMORGAN CHASE& CO COM 46625H100 1,446 14,283 SH   DFND   9,275 0 5,008
JOHNSON& JOHNSON COM 478160104 1,806 12,916 SH   DFND   8,085 0 4,831
KIMBERLY CLARK CORP COM 494368103 1,154 9,317 SH   DFND   7,518 0 1,799
KNIGHT-SWIFT TRANSPORT HLDGS COM 499049104 248 7,600 SH   DFND   0 0 7,600
LINCOLN CORE CAPITAL 5 YR FIXED INDEX 533400LST 100 100,000 SH   DFND   0 0 100,000
MARKEL CORP COM 570535104 1,244 1,249 SH   DFND   880 0 369
MASTERCARD INCORPORATED COM 57636Q104 1,492 6,335 SH   DFND   370 0 5,965
MERCK& CO. INC. COM 58933Y105 297 3,575 SH   DFND   0 0 3,575
MICROSOFT CORP COM 594918104 3,614 30,642 SH   DFND   11,535 0 19,107
MONDELEZ INTERNATIONAL INC COM 609207105 880 17,635 SH   DFND   12,170 0 5,465
MORNINGSTAR INC COM 617700109 227 1,800 SH   DFND   0 0 1,800
NESTLE SA ADR COM 641069406 1,123 11,779 SH   DFND   6,055 0 5,724
NORTHERN GRAPHITE CORP F COM 66516A105 3 20,000 SH   DFND   0 0 20,000
NVIDIA CORP COM 67066G104 1,100 6,125 SH   DFND   470 0 5,655
OCCIDENTAL PETROLEUM COM 674599105 244 3,679 SH   DFND   0 0 3,679
PEPSICO INC COM 713448108 379 3,091 SH   DFND   0 0 3,091
PFIZER INCORPORATION COM 717081103 2,135 50,275 SH   DFND   21,035 0 29,240
PROCTER AND GAMBLE COMPANY COM 742718109 1,179 11,328 SH   DFND   6,685 0 4,643
ROYAL DUTCH SHELL PLC CL.B COM 780259107 282 4,416 SH   DFND   0 0 4,416
SK TELECOM CO LTD ADR COM 78440P108 1,301 53,125 SH   DFND   28,000 0 25,125
SPDR S&P 500 ETF COM 78462F103 325 1,151 SH   DFND   700 0 451
SPDW PORTFOLIO WORLD ex-US ETF COM 78463X889 1,930 66,073 SH   DFND   1,605 0 64,468
SPDR S&P DIVIDEND ETF COM 78464A763 15,430 155,211 SH   DFND   3,255 0 151,956
SPDR BARCLAYS 1-3 MO TBILL ETF COM 78468R663 2,822 30,805 SH   DFND   240 0 30,565
SCHWAB US BROAD MKT ETF COM 808524102 6,219 91,391 SH   DFND   2,760 0 88,631
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 12,186 153,414 SH   DFND   5,040 0 148,374
SCHWAB INTERNATIONAL EQTY ETF COM 808524805 6,941 221,679 SH   DFND   7,245 0 214,434
SCHWAB S-T US TREASURY ETF COM 808524862 945 18,830 SH   DFND   0 0 18,830
SECTOR SPDR ENERGY SELECT SHS COM 81369Y506 3,117 47,141 SH   DFND   1,045 0 46,096
SEMPRA 2005 DCP COM 8168511AT 252 8,757 SH   DFND   0 0 8,757
STRYKER CORP COM 863667101 1,688 8,545 SH   DFND   310 0 8,235
SYNOPSYS INC COM 871607107 375 3,255 SH   DFND   740 0 2,515
UNITEDHEALTH GROUP INC COM 91324P102 1,369 5,537 SH   DFND   3,682 0 1,855
VANGUARD FTSE DEVELOPED MKTS COM 921943858 1,217 29,786 SH   DFND   1,170 0 28,616
VANGUARD US LRG CAP GR IND ETF COM 922908736 5,885 37,625 SH   DFND   170 0 37,455
VANGUARD TOTAL STK MKT ETF COM 922908769 2,510 17,345 SH   DFND   533 0 16,812
VERIZON COMMUNICATIONS COM 92343V104 1,365 23,083 SH   DFND   11,174 0 11,909
VISA, INC COM 92826C839 1,621 10,380 SH   DFND   705 0 9,675
WALMART, INC COM 931142103 1,422 14,585 SH   DFND   1,125 0 13,460
WELLS FARGO& CO (NEW) COM 949746101 3,243 67,116 SH   DFND   57,631 0 9,485
WISDOM TREE EMRG MKTS HI DIV COM 97717W315 751 17,135 SH   DFND   260 0 16,875
ACCENTURE PLC CL.A COM G1151C101 1,156 6,570 SH   DFND   470 0 6,100
ASML HOLDING NV COM N07059210 1,007 5,355 SH   DFND   400 0 4,955