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 986 29,414 SH   DFND   18,460 0 10,954
ABBOTT LABORATORIES COM 002824100 1,725 20,513 SH   DFND   13,210 0 7,303
ABBVIE INC COM 00287Y109 716 9,840 SH   DFND   6,515 0 3,325
SEMPRA SAVING PLAN COM 0038508AT 1,009 10,000 SH   DFND   0 0 10,000
SEMPRA SAVINGS PLAN COM 0038508BT 1,719 10,000 SH   DFND   0 0 10,000
ADOBE INC. COM 00724F101 538 1,825 SH   DFND   290 0 1,535
ALPHABET CLASS A COM 02079K305 261 241 SH   DFND   0 0 241
ALTRIA GROUP INC COM 02209S103 380 8,018 SH   DFND   0 0 8,018
AMAZON.COM INC COM 023135106 492 260 SH   DFND   47 0 213
AMPHENOL CORP CL A NEW COM 032095101 1,018 10,610 SH   DFND   800 0 9,810
ANTHEM INC COM 036752103 1,328 4,706 SH   DFND   3,535 0 1,171
AURORA CANNABIS INC COM 05156X108 78 10,000 SH   DFND   0 0 10,000
BP PLC ADR COM 055622104 494 11,841 SH   DFND   0 0 11,841
BANK OF AMERICA CORP COM 060505104 1,472 50,773 SH   DFND   32,871 0 17,902
BECTON DICKINSON& CO COM 075887109 1,085 4,305 SH   DFND   330 0 3,975
BERKSHIRE HATHAWAY NEW CLASS B COM 084670702 2,463 11,555 SH   DFND   7,670 0 3,885
BERKSHIRE HTWY CL.A 100 SHS=1 WHOLE 084990175 955 300 SH   DFND   0 0 300
CHEVRON CORP NEW COM 166764100 4,205 33,793 SH   DFND   7,285 0 26,508
CISCO SYSTEMS INC COM 17275R102 2,722 49,744 SH   DFND   16,110 0 33,634
COGNEX CORP COM 192422103 1,042 21,710 SH   DFND   1,700 0 20,010
COSTCO WHSL CORP (NEW) COM 22160K105 1,132 4,285 SH   DFND   330 0 3,955
DANAHER CORP COM 235851102 1,386 9,695 SH   DFND   730 0 8,965
DEERE& CO COM 244199105 282 1,700 SH   DFND   0 0 1,700
DIAGEO PLC ADR NEW COM 25243Q205 1,699 9,857 SH   DFND   5,510 0 4,347
DISNEY WALT CO (HOLDING CO) COM 254687106 3,239 23,197 SH   DFND   8,650 0 14,547
VANGUARD S&P 500 UCITS ETF USD COM 27399X646 324 5,800 SH   DFND   0 0 5,800
EMERSON ELECTRIC CO COM 291011104 1,184 17,748 SH   DFND   11,660 0 6,088
EXXON MOBIL CORP (NEW) COM 30231G102 2,098 27,376 SH   DFND   11,195 0 16,181
FASTENAL CO COM 311900104 1,041 31,940 SH   DFND   2,400 0 29,540
GAIA INC NEW CLASS A COM 36269P104 391 51,600 SH   DFND   0 0 51,600
GILEAD SCIENCES INC COM 375558103 1,900 28,119 SH   DFND   19,545 0 8,574
HEXCEL CORPORATION COM 428291108 1,111 13,735 SH   DFND   1,080 0 12,655
HONEYWELL INTERNATIONAL INC COM 438516106 1,905 10,910 SH   DFND   6,286 0 4,624
INTEL CORP COM 458140100 1,768 36,924 SH   DFND   19,741 0 17,183
INTUIT INC COM 461202103 1,091 4,175 SH   DFND   330 0 3,845
iSHARES T-BOND 1-3 YRS FUND COM 464287457 532 6,275 SH   DFND   920 0 5,355
iSHARES S&P MIDCAP 400 GRWTH COM 464287606 688 3,040 SH   DFND   55 0 2,985
iSHARES CORE S&P SMALL-CAP ETF COM 464287804 4,239 54,151 SH   DFND   1,075 0 53,076
iSHARES CORE HIGH DIV ETF COM 46429B663 4,280 45,287 SH   DFND   875 0 44,412
JPMORGAN CHASE& CO COM 46625H100 1,593 14,253 SH   DFND   9,245 0 5,008
JOHNSON& JOHNSON COM 478160104 2,023 14,526 SH   DFND   8,125 0 6,401
KIMBERLY CLARK CORP COM 494368103 1,239 9,297 SH   DFND   7,498 0 1,799
LINCOLN CORE CAPITAL 5YR FIXED INDEX 533400LST 101 100,000 SH   DFND   0 0 100,000
MARSH& MCLENNAN COS INC COM 571748102 1,066 10,690 SH   DFND   800 0 9,890
MASTERCARD INCORPORATED COM 57636Q104 1,663 6,285 SH   DFND   370 0 5,915
MERCK& CO. INC. COM 58933Y105 300 3,575 SH   DFND   0 0 3,575
MICROSOFT CORP COM 594918104 4,038 30,142 SH   DFND   11,525 0 18,617
MONDELEZ INTERNATIONAL INC COM 609207105 949 17,610 SH   DFND   12,145 0 5,465
MORNINGSTAR INC COM 617700109 260 1,800 SH   DFND   0 0 1,800
NESTLE SA ADR COM 641069406 1,216 11,764 SH   DFND   6,040 0 5,724
NORTHERN GRAPHITE CORP F COM 66516A105 2 20,000 SH   DFND   0 0 20,000
PEPSICO INC COM 713448108 405 3,091 SH   DFND   0 0 3,091
PFIZER INCORPORATION COM 717081103 2,176 50,235 SH   DFND   20,995 0 29,240
PHILLIPS 66 COM 718546104 2,238 23,923 SH   DFND   17,325 0 6,598
PROCTER AND GAMBLE COMPANY COM 742718109 1,233 11,248 SH   DFND   6,685 0 4,563
RAYTHEON COMPANY NEW COM 755111507 3,099 17,825 SH   DFND   9,125 0 8,700
ROYAL DUTCH SHELL PLC CL.B COM 780259107 330 5,016 SH   DFND   0 0 5,016
SK TELECOM CO LTD ADR COM 78440P108 1,315 53,125 SH   DFND   28,000 0 25,125
SPDR S&P 500 ETF COM 78462F103 337 1,151 SH   DFND   700 0 451
SPDW PORTFOLIO WORLD ex-US ETF COM 78463X889 1,982 66,989 SH   DFND   1,500 0 65,489
SPDR S&P DIVIDEND ETF COM 78464A763 15,467 153,317 SH   DFND   3,030 0 150,287
SPDR BARCLAYS 1-3 MO TBILL ETF COM 78468R663 764 8,345 SH   DFND   50 0 8,295
SCHWAB US BROAD MKT ETF COM 808524102 6,477 91,828 SH   DFND   2,789 0 89,039
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 12,642 151,929 SH   DFND   5,040 0 146,889
SCHWAB INTERNATIONAL EQTY ETF COM 808524805 7,202 224,425 SH   DFND   6,700 0 217,725
SCHWAB S-T US TREASURY ETF COM 808524862 937 18,530 SH   DFND   0 0 18,530
SECTOR SPDR ENERGY SELECT SHS COM 81369Y506 2,907 45,632 SH   DFND   1,045 0 44,587
SEMPRA 2005 DCP COM 8168511AT 260 8,757 SH   DFND   0 0 8,757
STRYKER CORP COM 863667101 1,742 8,475 SH   DFND   310 0 8,165
SYNOPSYS INC COM 871607107 409 3,175 SH   DFND   740 0 2,435
UNITEDHEALTH GROUP INC COM 91324P102 2,356 9,657 SH   DFND   3,972 0 5,685
VANGUARD FTSE DEVELOPED MKTS COM 921943858 1,223 29,316 SH   DFND   1,170 0 28,146
VANGUARD MTG BACKED SEC ETF COM 92206C771 238 4,500 SH   DFND   0 0 4,500
VANGUARD US LRG CAP GR IND ETF COM 922908736 6,109 37,390 SH   DFND   170 0 37,220
VANGUARD TOTAL STK MKT ETF COM 922908769 2,564 17,082 SH   DFND   483 0 16,599
VERIZON COMMUNICATIONS COM 92343V104 2,010 35,183 SH   DFND   23,049 0 12,134
VISA, INC COM 92826C839 1,302 7,500 SH   DFND   655 0 6,845
WALMART, INC COM 931142103 1,600 14,485 SH   DFND   1,125 0 13,360
WELLS FARGO& CO (NEW) COM 949746101 3,176 67,116 SH   DFND   57,631 0 9,485
WISDOM TREE EMRG MKTS HI DIV COM 97717W315 5,538 124,010 SH   DFND   2,565 0 121,445
ACCENTURE PLC CL.A COM G1151C101 1,205 6,520 SH   DFND   470 0 6,050
VANGUARD ALL-WORLD HI-DIV YLD COM G9T17W178 633 11,500 SH   DFND   0 0 11,500