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
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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
Abbott Laboratories Equities 002824100 839 7,718 SH   SOLE   7,718 0 0
AbbVie Inc Equities 00287Y109 512 5,856 SH   SOLE   5,856 0 0
Accenture PLC A Equities G1151C101 540 2,391 SH   SOLE   2,391 0 0
ADOBE INC Equities 00724F101 370 755 SH   SOLE   755 0 0
ALLY FINANCIAL INC Equities 02005N100 334 13,326 SH   SOLE   13,326 0 0
Alphabet Inc Cap Stk Class C Equities 02079K107 734 500 SH   SOLE   500 0 0
Alphabet Inc Class A Equities 02079K305 490 335 SH   SOLE   335 0 0
Amazon.com Inc Equities 023135106 1,599 508 SH   SOLE   508 0 0
American Express Common Equities 025816109 392 3,916 SH   SOLE   3,916 0 0
Amgen Inc Equities 031162100 405 1,594 SH   SOLE   1,594 0 0
ANSYS INC COM Equities 03662Q105 312 954 SH   SOLE   954 0 0
AON PLC Equities G0403H108 339 1,645 SH   SOLE   1,645 0 0
Apple Inc Common Equities 037833100 2,048 17,692 SH   SOLE   17,692 0 0
ARCH CAPITAL GROUP LTD Equities G0450A105 242 8,280 SH   SOLE   8,280 0 0
ARCHER DANIELS MIDLAND CO Equities 039483102 9,468 203,676 SH   SOLE   203,676 0 0
AT&T Inc Equities 00206R102 667 23,426 SH   SOLE   23,426 0 0
AUTOMATIC DATA PROCESSING INC Equities 053015103 425 3,050 SH   SOLE   3,050 0 0
Bank Amer Corp Common Equities 060505104 450 18,717 SH   SOLE   18,717 0 0
Berkshire Hathaway Inc Del Clas Equities 084670702 607 2,852 SH   SOLE   2,852 0 0
Bristol Myers Squibb Common Equities 110122108 308 5,110 SH   SOLE   5,110 0 0
Capital One Finl Corp Common Equities 14040H105 901 12,547 SH   SOLE   12,547 0 0
Caterpillar Inc. Equities 149123101 236 1,584 SH   SOLE   1,584 0 0
Chevron Corp New Common Equities 166764100 276 3,839 SH   SOLE   3,839 0 0
Cisco Systems Inc Equities 17275R102 535 13,591 SH   SOLE   13,591 0 0
Coca-Cola Co Equities 191216100 353 7,165 SH   SOLE   7,165 0 0
Comcast Corp New Cl A Equities 20030N101 320 6,922 SH   SOLE   6,922 0 0
Danaher Corp Common Equities 235851102 633 2,944 SH   SOLE   2,944 0 0
DISCOVER FINL SVCS Equities 254709108 260 4,508 SH   SOLE   4,508 0 0
Exxon Mobil Corp Equities 30231G102 410 11,947 SH   SOLE   11,947 0 0
Facebook Inc Class A Equities 30303M102 624 2,384 SH   SOLE   2,384 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805 829 15,065 SH   DFND   15,065 0 0
FIRST TRUST TWC OPPORTUNISTIC F Equities 33740F805 13,119 238,413 SH   SOLE   238,413 0 0
FORD MTR CO DEL COM PAR $0.01 Equities 345370860 67 10,092 SH   SOLE   10,092 0 0
General Electric Co Equities 369604103 144 23,192 SH   SOLE   23,192 0 0
Honeywell Intl Inc Common Equities 438516106 231 1,407 SH   SOLE   1,407 0 0
IHS MARKIT LTD SHS Equities G47567105 350 4,470 SH   SOLE   4,470 0 0
ILLINOIS TOOL WKS INC Equities 452308109 226 1,172 SH   SOLE   1,172 0 0
Intel Corp Equities 458140100 510 9,862 SH   SOLE   9,862 0 0
International Business Machines Equities 459200101 314 2,588 SH   SOLE   2,588 0 0
INVESCO QQQ TRUST SERIES 1 Mutual Funds 46090E103 304 1,095 SH   SOLE   1,095 0 0
iShares Edge MSCI Min Vol USA Equities 46429B697 316 4,969 SH   SOLE   4,969 0 0
iShares Russell 1000 Growth Equities 464287614 325 1,502 SH   SOLE   1,502 0 0
iShares Russell 1000 Value Equities 464287598 2,077 17,587 SH   SOLE   17,587 0 0
Johnson & Johnson Equities 478160104 848 5,702 SH   SOLE   5,702 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852 617 12,269 SH   DFND   12,269 0 0
JP MORGAN INTL BOND OPPORTUNITI Equities 46641Q852 12,051 239,334 SH   SOLE   239,334 0 0
JPMorgan Chase & Co Equities 46625H100 868 9,020 SH   SOLE   9,020 0 0
Lilly Eli & Common Equities 532457108 310 2,101 SH   SOLE   2,101 0 0
Lockheed Martin Corp Equities 539830109 244 637 SH   SOLE   637 0 0
Lowes Cos Inc Common Equities 548661107 216 1,304 SH   SOLE   1,304 0 0
Mastercard Cl A Equities 57636Q104 406 1,202 SH   SOLE   1,202 0 0
McDonalds Corp Common Equities 580135101 221 1,008 SH   SOLE   1,008 0 0
Medtronic Plc Equities G5960L103 256 2,465 SH   SOLE   2,465 0 0
MERCK & CO INC NEW Equities 58933Y105 333 4,017 SH   SOLE   4,017 0 0
Microsoft Corp Equities 594918104 2,421 11,514 SH   SOLE   11,514 0 0
MOODYS CORP Equities 615369105 612 2,113 SH   SOLE   2,113 0 0
Navient Corp Equities 63938C108 96 11,407 SH   SOLE   11,407 0 0
NEXTERA ENERGY INC Equities 65339F101 381 1,375 SH   SOLE   1,375 0 0
NORFOLK SOUTHERN CORP Equities 655844108 207 970 SH   SOLE   970 0 0
Oracle Corp Equities 68389X105 466 7,806 SH   SOLE   7,806 0 0
PepsiCo Inc Equities 713448108 376 2,714 SH   SOLE   2,714 0 0
Pfizer Inc Equities 717081103 309 8,440 SH   SOLE   8,440 0 0
PIMCO INTERMEDIATE MUNICIPAL Equities 72201R866 1,270 22,607 SH   DFND   22,607 0 0
PRINCIPAL FIN'L GROUP Equities 74251V102 321 7,989 SH   SOLE   7,989 0 0
Procter & Gamble Co Equities 742718109 400 2,882 SH   SOLE   2,882 0 0
PRUDENTIAL FINL INC Equities 744320102 395 6,221 SH   SOLE   6,221 0 0
Qualcomm Inc Common Equities 747525103 301 2,565 SH   SOLE   2,565 0 0
RAYTHEON TECHNOLOGIES CORP Equities 75513E101 268 4,661 SH   SOLE   4,661 0 0
SALESFORCE COM INC Equities 79466L302 616 2,452 SH   SOLE   2,452 0 0
SCHWAB STRATEGIC TR Equities 808524706 317 11,879 SH   SOLE   11,879 0 0
SCHWAB STRATEGIC TR Equities 808524805 1,777 56,617 SH   SOLE   56,617 0 0
SPDR Barclays Bloomberg ST Bd E Equities 78464A474 788 25,144 SH   DFND   25,144 0 0
SPDR Barclays Bloomberg ST Bd E Equities 78464A474 37,738 1,203,011 SH   SOLE   1,203,011 0 0
SPDR BARCLAYS HIGH YIELD BOND E Equities 78468R622 563 5,405 SH   SOLE   5,405 0 0
SPDR S&P 500 ETF TR TR UNIT Equities 78462F103 251 750 SH   SOLE   750 0 0
Spdr Ser Tr Nuveen Bloomberg Ba Equities 78468R739 2,295 46,029 SH   DFND   46,029 0 0
Spdr Ser Tr Nuveen Bloomberg Ba Equities 78468R739 20,697 415,032 SH   SOLE   415,032 0 0
Texas Instrs Inc Common Equities 882508104 214 1,504 SH   SOLE   1,504 0 0
The Home Depot Inc Equities 437076102 506 1,824 SH   SOLE   1,824 0 0
Thermo Fisher Scientific Inc Co Equities 883556102 469 1,064 SH   SOLE   1,064 0 0
UNION PACIFIC CORP Equities 907818108 308 1,569 SH   SOLE   1,569 0 0
UnitedHealth Group Inc Equities 91324P102 626 2,010 SH   SOLE   2,010 0 0
V F CORP Equities 918204108 2,664 37,925 SH   DFND   37,925 0 0
V F CORP Equities 918204108 71 1,015 SH   SOLE   1,015 0 0
Vanguard FTSE Emerging Markets Equities 922042858 314 7,282 SH   DFND   7,282 0 0
Vanguard FTSE Emerging Markets Equities 922042858 9,880 228,509 SH   SOLE   228,509 0 0
VANGUARD IND FD MID-CAP ETF Equities 922908629 267 1,515 SH   SOLE   1,515 0 0
VANGUARD INDEX FDS TOTAL STK MK Equities 922908769 424 2,495 SH   SOLE   2,495 0 0
Vanguard Index Funds Vanguard E Equities 922908652 516 3,983 SH   DFND   3,983 0 0
Vanguard Index Funds Vanguard E Equities 922908652 12,428 95,813 SH   SOLE   95,813 0 0
Vanguard Intermediate-Term Bond Equities 921937819 9,069 97,016 SH   SOLE   97,016 0 0
VANGUARD INTM-TERM GOVT BOND FU Equities 92206C706 1,655 23,490 SH   SOLE   23,490 0 0
Vanguard Large-Cap ETF Equities 922908637 2,204 14,092 SH   DFND   14,092 0 0
Vanguard Large-Cap ETF Equities 922908637 17,465 111,644 SH   SOLE   111,644 0 0
VANGUARD MUN BD FD INC TAX EXEM Equities 922907746 7,904 145,191 SH   SOLE   145,191 0 0
VANGUARD SHORT-TERM GOV BND Equities 92206C102 547 8,817 SH   SOLE   8,817 0 0
Vanguard Star Funds Vanguard To Equities 921909768 1,893 36,297 SH   DFND   36,297 0 0
Vanguard Star Funds Vanguard To Equities 921909768 47,355 907,721 SH   SOLE   907,721 0 0
Verizon Communications Inc Comm Equities 92343V104 451 7,583 SH   SOLE   7,583 0 0
Visa Common Cl A Equities 92826C839 697 3,489 SH   SOLE   3,489 0 0
Wal-Mart Stores Common Equities 931142103 254 1,821 SH   SOLE   1,821 0 0
Walt Disney Common Equities 254687106 381 3,078 SH   SOLE   3,078 0 0