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
MEDTRONIC PLC ORD COMMON STOCK G5960L103 104 933 SH   SOLE   933 0 0
MEDTRONIC PLC ORD COMMON STOCK G5960L103 1,369 12,300 SH   DFND   12,300 0 0
BANK OF AMERICA CORPORATION COM COMMON STOCK 060505104 415 13,986 SH   SOLE   13,986 0 0
GENERAL MLS INC COM COMMON STOCK 370334104 1,020 17,566 SH   SOLE   17,566 0 0
GENERAL MLS INC COM COMMON STOCK 370334104 17 300 SH   DFND   300 0 0
INVESCO EXCHANGE TRADED FD TS&P500 QUALITY STOCK ETFS 46137V241 694 16,585 SH   SOLE   16,585 0 0
ISHARES TR CORE S&P500 ETF STOCK ETFS 464287200 15,719 42,310 SH   SOLE   42,310 0 0
ISHARES TR CORE S&P500 ETF STOCK ETFS 464287200 537 1,446 SH   DFND   1,446 0 0
ISHARES TR MSCI USA MIN VOL STOCK ETFS 46429B697 1,829 27,710 SH   SOLE   27,710 0 0
ISHARES TR MSCI USA QLT FCT STOCK ETFS 46432F339 1,610 14,255 SH   SOLE   14,255 0 0
ISHARES TR CORE DIV GRWTH STOCK ETFS 46434V621 1,969 44,635 SH   SOLE   44,635 0 0
PFIZER INC COM COMMON STOCK 717081103 458 12,756 SH   SOLE   12,756 0 0
SPDR TR S&P 500 ETF UNIT SER 1 STOCK ETFS 78462F103 9,957 26,906 SH   SOLE   26,906 0 0
SPDR TR S&P 500 ETF UNIT SER 1 STOCK ETFS 78462F103 7 20 SH   DFND   20 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF STOCK ETFS 808524300 555 4,357 SH   SOLE   4,357 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF STOCK ETFS 808524300 904 7,094 SH   DFND   7,094 0 0
SCHWAB STRATEGIC TR US AGGREGATE B BOND ETFS 808524839 4,912 88,268 SH   SOLE   88,268 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF STOCK ETFS 921908844 1,762 12,855 SH   SOLE   12,855 0 0
VANGUARD INTL EQUITY INDEX FALLWRLD EX US STOCK ETFS 922042775 647 11,040 SH   SOLE   11,040 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS STOCK ETFS 922908363 6,751 19,845 SH   SOLE   19,845 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS STOCK ETFS 922908363 22 65 SH   DFND   65 0 0
VANGUARD TOTAL STOCK MARKET ETF STOCK ETFS 922908769 3,016 15,548 SH   SOLE   15,548 0 0