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 8,384 287,617 SH   DFND   12,277 0 275,339
ABBOTT LABORATORIES COM 002824100 8,231 104,309 SH   DFND   2,925 0 101,384
ABBVIE INC COM 00287Y109 1,354 17,776 SH   DFND   150 0 17,626
ADOBE INC. COM 00724F101 517 1,625 SH   DFND   0 0 1,625
AIR LEASE CORP CL A COM 00912X302 1,815 81,970 SH   DFND   3,625 0 78,345
ALPHABET CLASS C COM 02079K107 1,121 964 SH   DFND   20 0 944
ALPHABET CLASS A COM 02079K305 15,690 13,503 SH   DFND   580 0 12,923
AMERICAN EXPRESS CO COM 025816109 292 3,410 SH   DFND   0 0 3,410
AMERICAN WATER WORKS CO COM 030420103 14,684 122,814 SH   DFND   1,650 0 121,164
AMGEN INC COM 031162100 341 1,682 SH   DFND   325 0 1,357
APPLE INC COM 037833100 20,043 78,820 SH   DFND   3,021 0 75,799
AUTOMATIC DATA PROCESSING INC COM 053015103 704 5,152 SH   DFND   2,390 0 2,762
BANK OF AMERICA CORP COM 060505104 385 18,131 SH   DFND   1,930 0 16,201
BARON SMALL CAP FUND INSTITUTIONAL CLA 068278803 1,182 50,055 SH   DFND   0 0 50,055
BAXTER INTERNATIONAL INC COM 071813109 209 2,575 SH   DFND   0 0 2,575
BECTON DICKINSON& CO COM 075887109 250 1,087 SH   DFND   0 0 1,087
BERKSHIRE HATHAWAY INC CLASS B COM 084670702 1,947 10,649 SH   DFND   575 0 10,074
BIO RAD LABS INC COM 090572207 207 590 SH   DFND   0 0 590
BRISTOL-MYERS SQUIBB CO COM 110122108 254 4,565 SH   DFND   200 0 4,365
CSX CORPORATION COM 126408103 2,040 35,605 SH   DFND   375 0 35,230
CVS HEALTH CORPORATION COM 126650100 5,072 85,487 SH   DFND   2,225 0 83,262
CALIFORNIA WTR SVC GRP CA COM 130788102 211 4,200 SH   DFND   0 0 4,200
CHEVRON CORP COM 166764100 9,817 135,476 SH   DFND   5,404 0 130,072
CISCO SYSTEMS INC COM 17275R102 437 11,118 SH   DFND   0 0 11,118
CITIGROUP INC COM 172967424 5,181 123,012 SH   DFND   3,113 0 119,899
COCA-COLA COMPANY COM 191216100 1,282 28,974 SH   DFND   350 0 28,624
COLGATE-PALMOLIVE CO. COM 194162103 471 7,099 SH   DFND   3,300 0 3,799
COMCAST CORP CL A (NEW) COM 20030N101 559 16,259 SH   DFND   0 0 16,259
CONOCOPHILLIPS COM 20825C104 211 6,849 SH   DFND   0 0 6,849
CONSTELLATION BRANDS INC CL A COM 21036P108 5,002 34,892 SH   DFND   1,115 0 33,777
COSTCO WHSL CORP (NEW) COM 22160K105 2,024 7,098 SH   DFND   730 0 6,368
CROWN CASTLE INTERNATIONAL COM 22822V101 13,771 95,366 SH   DFND   1,440 0 93,926
DANAHER CORP COM 235851102 781 5,643 SH   DFND   0 0 5,643
DEERE& CO COM 244199105 577 4,175 SH   DFND   0 0 4,175
DEVON ENERGY CORP (NEW) COM 25179M103 414 59,850 SH   DFND   100 0 59,750
DISNEY CO. (WALT) COM 254687106 13,310 137,788 SH   DFND   8,540 0 129,248
DISCOVER FINL SVCS COM 254709108 3,809 106,773 SH   DFND   2,360 0 104,413
DUKE ENERGY CORP COM 26441C204 703 8,693 SH   DFND   1,488 0 7,205
EOG RESOURCES INC COM 26875P101 559 15,570 SH   DFND   390 0 15,180
ETFMG PRIME CYBER SECURITY ETF COM 26924G201 11,033 309,298 SH   DFND   13,415 0 295,883
EATON VANCE DIV BUILDER I FUND 277905634 1,025 83,155 SH   DFND   0 0 83,155
ECOLAB INC COM 278865100 1,257 8,065 SH   DFND   145 0 7,920
EMERSON ELECTRIC COMPANY COM 291011104 619 12,995 SH   DFND   0 0 12,995
ENERGY TRANSFER LP COM 29273V100 100 21,771 SH   DFND   246 0 21,525
ENTERPRISE PRD PRTNRS LP COM 293792107 258 18,042 SH   DFND   0 0 18,042
EVERSOURCE ENERGY COM 30040W108 1,083 13,843 SH   DFND   0 0 13,843
EXXON MOBIL CORP COM 30231G102 2,315 60,965 SH   DFND   8,080 0 52,885
GENUINE PARTS CO COM 372460105 250 3,720 SH   DFND   2,200 0 1,520
GILEAD SCIENCES INC COM 375558103 594 7,951 SH   DFND   1,280 0 6,671
GLOBE LIFE INC COM 37959E102 216 3,004 SH   DFND   0 0 3,004
AMERICAN GROWTH FUND F-3 FUND 399874775 4,818 110,993 SH   DFND   0 0 110,993
HEALTHPEAK PPTYS INC. COM 42250P103 262 10,991 SH   DFND   1,800 0 9,191
HOME DEPOT INC COM 437076102 3,617 19,374 SH   DFND   790 0 18,584
HONEYWELL INTERNATIONAL INC COM 438516106 646 4,829 SH   DFND   1,930 0 2,899
INTEL CORPORATION COM 458140100 1,444 26,673 SH   DFND   2,929 0 23,744
INTERNATIONAL BUSINESS MACHINE COM 459200101 408 3,681 SH   DFND   305 0 3,376
INVESCO CLEAN ENERGY ETF COM 46137V134 278 10,360 SH   DFND   0 0 10,360
INVESCO WATER RESOURCES ETF COM 46137V142 956 30,515 SH   DFND   0 0 30,515
INVESCO DYNAMIC PHARMACEUTICAL COM 46137V662 528 9,600 SH   DFND   0 0 9,600
INVESCO KBW BANK ETF COM 46138E628 559 16,690 SH   DFND   0 0 16,690
ISHARES TR S&P 500 INDEX FUND COM 464287200 628 2,431 SH   DFND   0 0 2,431
ISHARES TR MSCI EAFE FUND ETF COM 464287465 1,306 24,435 SH   DFND   0 0 24,435
ISHARES RUSELL MIDCAPE VALUE COM 464287473 547 8,536 SH   DFND   0 0 8,536
ISHARES RUSSELL MID CAP GROWTH COM 464287481 669 5,506 SH   DFND   0 0 5,506
ISHARES RUSSELL MIDCAP INDEX COM 464287499 713 16,515 SH   DFND   0 0 16,515
ISHARES TR NASDAQ BIO FD NASDAQ BIOTECH IN 464287556 1,329 12,335 SH   DFND   0 0 12,335
ISHARES TR RUSSELL 2000 COM 464287655 378 3,300 SH   DFND   0 0 3,300
ISHARES DJ US REGIONAL BANKS COM 464288778 4,795 165,871 SH   DFND   6,205 0 159,666
ISHARES US MEDICAL DEVICES ETF COM 464288810 9,233 40,972 SH   DFND   555 0 40,417
JPMORGAN CHASE& CO COM 46625H100 15,302 169,965 SH   DFND   6,850 0 163,115
JACOBS ENGINEERING GROUP INC COM 469814107 7,048 88,907 SH   DFND   1,890 0 87,017
JOHNSON& JOHNSON COM 478160104 4,827 36,810 SH   DFND   710 0 36,100
JPMORGAN INCOME BUILDER FUND CLASS I SHARES 4812A3254 1,609 175,037 SH   DFND   0 0 175,037
KIMBERLY CLARK COM 494368103 697 5,452 SH   DFND   2,745 0 2,707
KINDER MORGAN INC COM 49456B101 6,730 483,453 SH   DFND   10,412 0 473,041
ELI LILLY& COMPANY COM 532457108 347 2,502 SH   DFND   0 0 2,502
LOCKHEED MARTIN CORP COM 539830109 1,555 4,587 SH   DFND   30 0 4,557
LOWES CO INC COM 548661107 9,739 113,183 SH   DFND   2,639 0 110,544
MFS VALUE FUND CL I FUND 552983694 3,228 95,302 SH   DFND   0 0 95,302
MATTHEWS ASIA DIVIDEND FUND FUND 577125107 1,566 111,107 SH   DFND   0 0 111,107
MATTHEWS PACIFIC TIGER FUND FUND 577130107 244 10,721 SH   DFND   0 0 10,721
MCDONALDS CORP COM 580135101 966 5,840 SH   DFND   2,969 0 2,871
MERCK& CO. INC. COM 58933Y105 12,041 156,502 SH   DFND   4,259 0 152,243
METLIFE INC COM 59156R108 5,756 188,282 SH   DFND   7,230 0 181,052
MICROSOFT CORP COM 594918104 25,221 159,918 SH   DFND   6,201 0 153,716
MID AMERICA APARTMENT COM. COM 59522J103 6,207 60,246 SH   DFND   3,665 0 56,581
MONDELEZ INTERNATIONAL INC COM 609207105 1,646 32,870 SH   DFND   2,550 0 30,320
MOODY'S CORP COM 615369105 289 1,367 SH   DFND   0 0 1,367
NESTLE SA SPNSRD ADR REP RG SH COM 641069406 413 4,008 SH   DFND   2,000 0 2,008
AMERICAN NEW PERSPECTIVE FD F3 FUND 648018778 2,421 62,681 SH   DFND   0 0 62,681
NEXTERA ENERGY INC COM 65339F101 1,441 5,990 SH   DFND   750 0 5,240
NORFOLK SOUTHERN CORP COM 655844108 215 1,476 SH   DFND   0 0 1,476
NOVARTIS A G SPON ADR F SPONSORED ADR 66987V109 238 2,885 SH   DFND   0 0 2,885
NOVO-NORDISK A-S ADR F 1 ADR REP 1 ORD 670100205 501 8,320 SH   DFND   6,500 0 1,820
ORACLE CORP COM 68389X105 1,132 23,431 SH   DFND   500 0 22,931
PEPSICO INCORPORATED COM 713448108 14,694 122,351 SH   DFND   5,770 0 116,581
PFIZER INC COM 717081103 8,496 260,296 SH   DFND   12,876 0 247,420
PIMCO INCOME FD CL I-2 FUND 72201M719 114 10,414 SH   DFND   0 0 10,414
PRICE T ROWE GROWTH STOCK FD FUND 741479109 299 4,771 SH   SOLE   4,771 0 0
PROCTER AND GAMBLE COMPANY COM 742718109 11,150 101,361 SH   DFND   5,835 0 95,526
PROSHARES ULTRA S&P500 COM 74347R107 291 3,275 SH   DFND   0 0 3,275
QUALCOMM INC. COM 747525103 11,533 170,477 SH   DFND   4,610 0 165,867
BOSTON PARTNERS LONG/SHORT RESEARCH INSTITUT 74925K581 224 17,287 SH   DFND   0 0 17,287
RAYTHEON CO NEW COM 755111507 6,105 46,550 SH   DFND   1,785 0 44,765
T ROWE PRICE EQUITY INCOME FD FUND 779547108 385 16,875 SH   DFND   2,453 0 14,422
S&P 500 DEPOSITARY RECEIPTS COM 78462F103 1,914 7,427 SH   DFND   1,492 0 5,935
SPDR SERIES TRUST S&P BIOTECH COM 78464A870 8,973 115,871 SH   DFND   5,185 0 110,686
SCHLUMBERGER LIMITED COM 806857108 975 72,302 SH   DFND   4,335 0 67,967
SCHWAB S&P 500 INDEX FUN D - SELECT SHARES 808509855 594 14,970 SH   DFND   3,424 0 11,545
SCHWAB 1000 FUND FUND 808517106 207 3,646 SH   DFND   860 0 2,785
SCHWAB US LARGE CAP COM 808524201 498 8,130 SH   DFND   270 0 7,860
SECT SPDR MATERIALS FUND COM 81369Y100 552 12,250 SH   DFND   3,000 0 9,250
SECT SPDR HEALTH CARE SELECT COM 81369Y209 562 6,345 SH   DFND   500 0 5,845
AMEX FINANCIAL SELECT SPDR COM 81369Y605 850 40,835 SH   DFND   400 0 40,435
SPDR AMEX TECH SELECT INDEX COM 81369Y803 225 2,800 SH   DFND   300 0 2,500
SECT SPDR THE UTILITES SEL FD COM 81369Y886 756 13,643 SH   DFND   4,568 0 9,075
SEMPRA ENERGY COM 816851109 243 2,149 SH   DFND   0 0 2,149
SIRIUS XM HOLDINGS INC. COM 82968B103 57 11,500 SH   DFND   4,000 0 7,500
STARBUCKS CORP COM 855244109 437 6,645 SH   DFND   0 0 6,645
STARWOOD PROPERTY TRUST, INC. COM 85571B105 2,885 281,449 SH   DFND   13,310 0 268,139
STRYKER CORP COM 863667101 390 2,340 SH   DFND   1,500 0 840
THERMO FISHER SCIENTIFIC INC COM 883556102 13,710 48,341 SH   DFND   175 0 48,166
3M CO COM 88579Y101 583 4,268 SH   DFND   1,665 0 2,603
TRAVELERS COS INC/THE COM 89417E109 1,190 11,977 SH   DFND   0 0 11,977
U.S. BANCORP COM 902973304 211 6,125 SH   DFND   2,918 0 3,207
UNION PACIFIC CORPORATION COM 907818108 903 6,402 SH   DFND   280 0 6,122
UNITED PARCEL SERVICE -CL B COM 911312106 5,065 54,213 SH   DFND   2,195 0 52,018
UNITED TECHNOLOGIES CORP COM 913017109 7,418 78,634 SH   DFND   5,315 0 73,319
UNITED HEALTH GROUP INC. COM 91324P102 9,959 39,937 SH   DFND   2,125 0 37,812
UNIVERSAL DISPLAY CORP COM 91347P105 353 2,675 SH   DFND   400 0 2,275
VANECK VECTORS OIL SERVICES COM 92189F718 120 29,855 SH   DFND   500 0 29,355
VANGUARD FTSE ALL WORLD ex US ETF 922042775 893 21,770 SH   DFND   0 0 21,770
VANGUARD INFORMATION TECH ETF COM 92204A702 2,490 11,749 SH   DFND   0 0 11,749
VANGUARD INDEX FUNDS 500 INDEX ADMI 922908710 660 2,768 SH   DFND   1,782 0 986
VANGUARD TOTAL STOCK MKT COM 922908769 673 5,221 SH   DFND   0 0 5,221
VERIZON COMMUNICATIONS COM 92343V104 1,761 32,778 SH   DFND   3,017 0 29,760
VISA INC-CLASS A SHRS COM 92826C839 14,502 90,009 SH   DFND   1,950 0 88,059
WEC ENERGY GROUP INC COM 92939U106 255 2,892 SH   DFND   2,600 0 292
WAL MART INC. COM 931142103 448 3,941 SH   DFND   0 0 3,941
WALGREEN BOOTS ALLIANCE INC COM 931427108 229 5,000 SH   DFND   0 0 5,000
WASTE MANAGEMENT INC. COM 94106L109 1,285 13,883 SH   DFND   0 0 13,883
WELLS FARGO& CO (NEW) COM 949746101 398 13,866 SH   DFND   750 0 13,116
WEYERHAEUSER COMPANY COM 962166104 3,082 181,811 SH   DFND   6,070 0 175,741
WISDOMTREE TRUST EUROPE HEDGED EQUITY FUND 97717X701 2,129 41,554 SH   DFND   1,560 0 39,994
PENTAIR PLC COM G7S00T104 3,019 101,441 SH   DFND   4,625 0 96,816