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
Expires: July 31, 2015
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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
Abbott Laboratories Com Com 002824100 168,504 1,857 SH SOLE 0 1,857 0 0
Abbott Laboratories Com Com 002824100 145,456 1,603 SH DFND 0 1,603 0 0
Abbvie Inc Com 00287Y109 148,468 590 SH SOLE 0 590 0 0
Abbvie Inc Com 00287Y109 260,447 1,035 SH DFND 0 1,035 0 0
Alphabet Inc CL C Com 02079K107 361,457 1,023 SH SOLE 0 1,023 0 0
Alphabet Inc CL C Com 02079K107 402,796 1,140 SH DFND 0 1,140 0 0
Alphabet Inc CL A Com 02079K305 150,095 420 SH SOLE 0 420 0 0
Alphabet Inc CL A Com 02079K305 221,569 620 SH DFND 0 620 0 0
Amazon.Com Inc Com 023135106 89,854 377 SH SOLE 0 377 0 0
Amazon.Com Inc Com 023135106 262,174 1,100 SH DFND 0 1,100 0 0
Amphenol Corp New Com 032095101 35,264 200 SH SOLE 0 200 0 0
Amphenol Corp New Com 032095101 246,848 1,400 SH DFND 0 1,400 0 0
Apple Inc Com 037833100 463,555 1,602 SH SOLE 0 1,602 0 0
Apple Inc Com 037833100 572,354 1,978 SH DFND 0 1,978 0 0
Applied Materials Inc. Com 038222105 520,560 720 SH SOLE 0 720 0 0
Chevron Corp Corporation Com 166764100 196,757 1,187 SH SOLE 0 1,187 0 0
Chevron Corp Corporation Com 166764100 65,144 393 SH DFND 0 393 0 0
Cisco Systems Inc Com 17275R102 365,536 3,112 SH SOLE 0 3,112 0 0
Citigroup Inc Com 172967424 122,745 877 SH SOLE 0 877 0 0
Citigroup Inc Com 172967424 83,976 600 SH DFND 0 600 0 0
Costco Wholesale Corp New Com 22160K105 40,225 43 SH SOLE 0 43 0 0
Costco Wholesale Corp New Com 22160K105 257,254 275 SH DFND 0 275 0 0
Exxon Mobil Corporation Com 30231G102 166,798 1,220 SH SOLE 0 1,220 0 0
Exxon Mobil Corporation Com 30231G102 79,981 585 SH DFND 0 585 0 0
Fidelity Total Bond ETF Com 316188309 454,900 10,000 SH SOLE 0 10,000 0 0
Intel Corp Com 458140100 390,266 2,795 SH SOLE 0 2,795 0 0
Invesco Ultra Short Duration Com 46090A887 2,031,075 40,500 SH SOLE 0 40,500 0 0
Invesco S&P 500 Equal Weight EFT Com 46137V357 347,879 1,635 SH SOLE 0 1,635 0 0
Invesco Dividend Achievers Com 46137V506 673,771 12,150 SH SOLE 0 12,150 0 0
iShares S&P 100 ETF Com 464287101 271,841 743 SH SOLE 0 743 0 0
iShares S&P 100 ETF Com 464287101 54,881 150 SH DFND 0 150 0 0
Ishares DJ Select Dividend Index FD Com 464287168 125,040 800 SH SOLE 0 800 0 0
Ishares DJ Select Dividend Index FD Com 464287168 1,287,131 8,235 SH DFND 0 8,235 0 0
iShares Core S&P 500 ETF Com 464287200 338,498 452 SH SOLE 0 452 0 0
iShares Core S&P 500 ETF Com 464287200 67,400 90 SH DFND 0 90 0 0
iShares S&P 500 Growth ETF Com 464287309 577,626 4,200 SH DFND 0 4,200 0 0
Ishares S&P 500 Value Index Fund Com 464287408 499,532 2,200 SH DFND 0 2,200 0 0
Ishares Barclays 1-3 Year Com 464287457 211,433 2,575 SH SOLE 0 2,575 0 0
Ishares MSCI EAFE Index Fund Com 464287465 7,146,944 68,800 SH SOLE 0 68,800 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 5,769,139 74,817 SH SOLE 0 74,817 0 0
Ishares Core S&P Mid-Cap ETF Com 464287507 660,447 8,565 SH DFND 0 8,565 0 0
iShares Russell 1000 Value Fund Com 464287598 516,133 2,129 SH SOLE 0 2,129 0 0
iShares Russell 2000 Fund Com 464287655 7,748,906 25,791 SH SOLE 0 25,791 0 0
iShares Russell 2000 Fund Com 464287655 51,077 170 SH DFND 0 170 0 0
Ishares Core S&P Small-Cap ETF Com 464287804 59,324 400 SH SOLE 0 400 0 0
Ishares Core S&P Small-Cap ETF Com 464287804 584,341 3,940 SH DFND 0 3,940 0 0
iShares 1-5 Year Investment Grade Corp ETF Com 464288646 363,830 6,942 SH SOLE 0 6,942 0 0
iShares 1-5 Year Investment Grade Corp ETF Com 464288646 254,713 4,860 SH DFND 0 4,860 0 0
Ishares Floating Rate Bond ETF Com 46429B655 242,488 4,750 SH SOLE 0 4,750 0 0
Ishares Floating Rate Bond ETF Com 46429B655 5,105 100 SH DFND 0 100 0 0
iShares Core EAFE Fund Com 46432F842 362,658 3,755 SH SOLE 0 3,755 0 0
iShares Core EAFE Fund Com 46432F842 29,747 308 SH DFND 0 308 0 0
iShares Core Emerging Markets Fund Com 46434G103 198,650 2,398 SH SOLE 0 2,398 0 0
iShares Core Emerging Markets Fund Com 46434G103 8,284 100 SH DFND 0 100 0 0
iShares MSCI Emerging Mkts ex China ETF Com 46434G764 433,241 4,235 SH SOLE 0 4,235 0 0
iShares MSCI Emerging Mkts ex China ETF Com 46434G764 61,380 600 SH DFND 0 600 0 0
iShares ESG Aware USD Corp Bond ETF Com 46435G193 208,363 9,000 SH SOLE 0 9,000 0 0
iShares ESG Aware U.S. Aggregate Bond ETF Com 46435U549 241,317 5,090 SH SOLE 0 5,090 0 0
iShares TR iShares 0-3 Month Treas B ETF Com 46436E718 4,634,142 46,033 SH SOLE 0 46,033 0 0
JPMorgan Chase & Co Com 46625H100 291,978 892 SH SOLE 0 892 0 0
JPMorgan Chase & Co Com 46625H100 321,438 982 SH DFND 0 982 0 0
Johnson & Johnson Com 478160104 275,557 1,085 SH SOLE 0 1,085 0 0
Eli Lilly & Co Com Com 532457108 89,957 75 SH SOLE 0 75 0 0
Eli Lilly & Co Com Com 532457108 551,738 460 SH DFND 0 460 0 0
McDonalds Corp Com 580135101 16,219 60 SH SOLE 0 60 0 0
McDonalds Corp Com 580135101 243,279 900 SH DFND 0 900 0 0
Microsoft Corp Com 594918104 280,138 751 SH SOLE 0 751 0 0
Microsoft Corp Com 594918104 341,313 915 SH DFND 0 915 0 0
Norfolk Southn Corp Com 655844108 132,757 422 SH SOLE 0 422 0 0
Norfolk Southn Corp Com 655844108 94,377 300 SH DFND 0 300 0 0
Nvidia Corp Com 67066G104 106,048 530 SH SOLE 0 530 0 0
Nvidia Corp Com 67066G104 1,150,518 5,750 SH DFND 0 5,750 0 0
Palo Alto Networks Com 697435105 85,255 250 SH SOLE 0 250 0 0
Palo Alto Networks Com 697435105 306,918 900 SH DFND 0 900 0 0
SPDR S&P 500 ETF Trust Com 78462F103 292,734 392 SH SOLE 0 392 0 0
SPDR S&P 500 ETF Trust Com 78462F103 539,915 723 SH DFND 0 723 0 0
SPDR S&P Dividend ETF Com 78464A763 1,040,911 6,840 SH SOLE 0 6,840 0 0
SPDR S&P Dividend ETF Com 78464A763 781,901 5,138 SH DFND 0 5,138 0 0
SPDR Dow Jones Industrial Com 78467X109 595,525 1,140 SH SOLE 0 1,140 0 0
SPDR Dow Jones Industrial Com 78467X109 1,880,604 3,600 SH DFND 0 3,600 0 0
State Street Utilities Select Sector SPDR ETF Com 81369Y886 184,080 4,060 SH SOLE 0 4,060 0 0
State Street Utilities Select Sector SPDR ETF Com 81369Y886 97,934 2,160 SH DFND 0 2,160 0 0
Vanguard Dividend Appreciation Index Fund Com 921908844 11,659,924 49,277 SH SOLE 0 49,277 0 0
Vanguard Dividend Appreciation Index Fund Com 921908844 2,356,499 9,959 SH DFND 0 9,959 0 0
Vanguard Mega Cap Value ETF Com 921910840 1,105,412 6,763 SH SOLE 0 6,763 0 0
Vanguard Short Term Bond ETF Com 921937827 1,732,407 22,236 SH SOLE 0 22,236 0 0
Vanguard Short Term Bond ETF Com 921937827 509,999 6,546 SH DFND 0 6,546 0 0
Vanguard Total Bond Market ETF Com 921937835 606,587 8,263 SH SOLE 0 8,263 0 0
Vanguard FTSE Developed ETF Com 921943858 955,819 13,415 SH SOLE 0 13,415 0 0
Vanguard FTSE Developed ETF Com 921943858 372,994 5,235 SH DFND 0 5,235 0 0
Vanguard High Dividend Yield ETF Com 921946406 1,306,118 8,265 SH SOLE 0 8,265 0 0
Vanguard High Dividend Yield ETF Com 921946406 243,366 1,540 SH DFND 0 1,540 0 0
Vanguard Intl Dividend Com 921946810 331,499 3,550 SH SOLE 0 3,550 0 0
Vanguard FTSE All-World Ex-Us Com 922042775 6,898,069 82,365 SH SOLE 0 82,365 0 0
Vanguard FTSE All-World Ex-Us Com 922042775 1,112,200 13,280 SH DFND 0 13,280 0 0
Vanguard FTSE Emerging Markets ETF Com 922042858 1,462,226 24,497 SH SOLE 0 24,497 0 0
Vanguard FTSE Emerging Markets ETF Com 922042858 464,985 7,790 SH DFND 0 7,790 0 0
Vanguard Information World Funds Com 92204A702 308,840 2,584 SH SOLE 0 2,584 0 0
Vanguard Intermediate Corp Bond Fund Com 92206C870 223,155 2,700 SH SOLE 0 2,700 0 0
Vanguard S&P 500 ETF Com 922908363 47,249,781 68,796 SH SOLE 0 68,796 0 0
Vanguard S&P 500 ETF Com 922908363 3,609,187 5,255 SH DFND 0 5,255 0 0
Vanguard Small-Cap Value Fund Com 922908611 410,653 1,690 SH SOLE 0 1,690 0 0
Vanguard Small-Cap Value Fund Com 922908611 86,261 355 SH DFND 0 355 0 0
Vanguard Mid-Cap ETF Com 922908629 8,476,367 105,205 SH SOLE 0 105,205 0 0
Vanguard Mid-Cap ETF Com 922908629 1,401,112 17,390 SH DFND 0 17,390 0 0
Vanguard Large-Cap ETF Com 922908637 528,934 1,538 SH SOLE 0 1,538 0 0
Vanguard Growth ETF Com 922908736 529,761 6,150 SH SOLE 0 6,150 0 0
Vanguard Small-Cap ETF Com 922908751 6,572,551 21,683 SH SOLE 0 21,683 0 0
Vanguard Small-Cap ETF Com 922908751 1,116,997 3,685 SH DFND 0 3,685 0 0
Vanguard US Total Stock Mkt ETF Com 922908769 233,495 631 SH SOLE 0 631 0 0
Visa Inc Com 92826C839 211,000 615 SH SOLE 0 615 0 0
Visa Inc Com 92826C839 89,203 260 SH DFND 0 260 0 0
Wisdomtree Hedged Int Rate Agg Bond Fund Com 97717W380 730,303 32,300 SH SOLE 0 32,300 0 0
WisdomTree Floating Rate Treasury Fd ETF Com 97717Y527 6,311,423 125,351 SH SOLE 0 125,351 0 0