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 1,094 37,546 SH   DFND   36,951 0 595
ADOBE SYSTEMS INC COM 00724F101 1,394 4,381 SH   DFND   4,341 0 40
ALPHABET CLASS C COM 02079K107 1,117 961 SH   DFND   950 0 11
ALPHABET CLASS A COM 02079K305 2,159 1,858 SH   DFND   1,851 0 7
AMAZON.COM INC COM 023135106 2,211 1,134 SH   DFND   1,126 0 8
AMERICAN STATES WATER COM 029899101 566 6,920 SH   SOLE   6,920 0 0
AMERICAN TOWER CORP COM 03027X100 958 4,401 SH   DFND   4,336 0 65
AMERICAN WATER WORKS COM 030420103 1,949 16,302 SH   SOLE   16,302 0 0
AMGEN INC COM 031162100 2,095 10,334 SH   DFND   10,229 0 105
ANTHEM COM 036752103 1,473 6,489 SH   SOLE   6,489 0 0
APPLE INC COM 037833100 4,955 19,485 SH   DFND   19,408 0 77
AUTOMATIC DATA PROCESSING COM 053015103 2,408 17,620 SH   DFND   17,525 0 95
AVALONBAY COMMUNITIES COM 053484101 217 1,475 SH   DFND   1,450 0 25
BANK OF AMERICA COM 060505104 433 20,383 SH   SOLE   20,383 0 0
BANK OF NEW YORK MELLON COM 064058100 822 24,400 SH   DFND   24,280 0 120
BERKSHIRE HATHAWAY INC CLASS B COM 084670702 1,387 7,584 SH   DFND   7,514 0 70
BLACKROCK COM 09247X101 2,178 4,951 SH   DFND   4,933 0 18
BRISTOL-MYERS SQUIBB CO COM 110122108 1,750 31,390 SH   SOLE   31,390 0 0
CATERPILLAR INC COM 149123101 200 1,725 SH   SOLE   1,725 0 0
CISCO SYSTEMS INC COM 17275R102 1,787 45,470 SH   SOLE   45,470 0 0
CINTAS CORP COM 172908105 643 3,710 SH   SOLE   3,710 0 0
COCA-COLA COMPANY COM 191216100 1,045 23,610 SH   SOLE   23,610 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COM 192446102 961 20,685 SH   SOLE   20,685 0 0
COMCAST CORP CL A COM 20030N101 1,257 36,555 SH   SOLE   36,555 0 0
CROWN CASTLE INTERNATIONAL COM 22822V101 467 3,237 SH   DFND   3,187 0 50
DIGITAL REALTY TRUST COM 253868103 351 2,528 SH   DFND   2,488 0 40
DISNEY WALT CO COM 254687106 1,731 17,915 SH   DFND   17,855 0 60
DOMINION ENERGY INC COM 25746U109 1,378 19,090 SH   DFND   18,915 0 175
EQUINIX COM 29444U700 538 861 SH   DFND   848 0 13
EQUITY RESIDENTIAL COM 29476L107 235 3,812 SH   DFND   3,752 0 60
FACEBOOK COM 30303M102 2,570 15,407 SH   DFND   15,292 0 115
FEDEX CORP COM 31428X106 771 6,355 SH   SOLE   6,355 0 0
FIDELITY VALUE FUND 316464106 126 18,148 SH   SOLE   18,148 0 0
FLEETCOR TECHNOLOGIES COM 339041105 1,075 5,761 SH   SOLE   5,761 0 0
HOME DEPOT INC COM 437076102 512 2,740 SH   SOLE   2,740 0 0
INTEL CORP COM 458140100 357 6,595 SH   SOLE   6,595 0 0
ISHARES MSCI EAFE IND COM 464287465 234 4,370 SH   SOLE   4,370 0 0
ISHARES CORE S&P MID CAP COM 464287507 223 1,550 SH   SOLE   1,550 0 0
JPMORGAN CHASE& CO COM 46625H100 1,777 19,738 SH   SOLE   19,738 0 0
JOHNSON& JOHNSON COM 478160104 2,504 19,092 SH   DFND   19,042 0 50
LOCKHEED MARTIN CORP COM 539830109 1,713 5,054 SH   DFND   5,034 0 20
MADISON SQUARE GARDEN COM 55825T103 1,660 7,851 SH   SOLE   7,851 0 0
MARTIN MARIETTA MATERIALS COM 573284106 1,402 7,407 SH   SOLE   7,407 0 0
MCDONALDS CORP COM 580135101 2,106 12,734 SH   DFND   12,654 0 80
MERCK& CO. INC. COM 58933Y105 338 4,390 SH   DFND   4,215 0 175
MICROSOFT CORP COM 594918104 3,008 19,075 SH   DFND   18,920 0 155
NIKE INC CL B COM 654106103 270 3,260 SH   DFND   3,105 0 155
PNC FINANCIAL SERVICES GROUP COM 693475105 235 2,450 SH   DFND   2,350 0 100
PAYPAL HLDGS INC COM 70450Y103 1,653 17,265 SH   SOLE   17,265 0 0
PEPSICO INC COM 713448108 603 5,020 SH   DFND   4,905 0 115
PLUG POWER COM 72919P202 35 10,000 SH   SOLE   10,000 0 0
PROCTER AND GAMBLE COMPANY COM 742718109 1,753 15,936 SH   SOLE   15,936 0 0
PROLOGIS COM 74340W103 445 5,542 SH   DFND   5,462 0 80
PROSUS N V COM 74365P108 952 69,508 SH   DFND   68,793 0 715
PUBLIC STORAGE COM 74460D109 311 1,565 SH   DFND   1,540 0 25
RAYTHEON COM 755111507 1,436 10,952 SH   SOLE   10,952 0 0
S&P GLOBAL COM 78409V104 1,423 5,806 SH   SOLE   5,806 0 0
S&P 500 DEPOSITORY RECEIPTS COM 78462F103 393 1,525 SH   SOLE   1,525 0 0
SPDR GOLD TRUST COM 78463V107 581 3,925 SH   SOLE   3,925 0 0
SCHWAB TOTAL STOCK MKT INDEX FUND 808509756 232 5,255 SH   SOLE   5,255 0 0
SCHWAB US BROAD MARKET COM 808524102 722 11,942 SH   SOLE   11,942 0 0
SCHWAB US DIVIDEND COM 808524797 576 12,815 SH   SOLE   12,815 0 0
SCHWAB INTERNATIONAL COM 808524805 301 11,638 SH   SOLE   11,638 0 0
SCHWAB US AGGREGATE BOND COM 808524839 1,104 20,348 SH   SOLE   20,348 0 0
SCHWAB INTERMEDIATE TREASURY COM 808524854 578 9,829 SH   SOLE   9,829 0 0
SCHWAB ST US TREASURY BOND COM 808524862 220 4,246 SH   SOLE   4,246 0 0
STARBUCKS CORPORATION COM 855244109 863 13,122 SH   DFND   13,067 0 55
STRYKER CORP COM 863667101 1,505 9,039 SH   SOLE   9,039 0 0
TRAVELERS CO COM 89417E109 229 2,300 SH   DFND   2,185 0 115
ULTA BEAUTY COM 90384S303 268 1,527 SH   SOLE   1,527 0 0
UNITED PARCEL SERVICE COM 911312106 1,090 11,665 SH   DFND   11,625 0 40
UNITED TECHNOLOGIES CORP COM 913017109 1,394 14,782 SH   SOLE   14,782 0 0
UNITEDHEALTH GROUP INC COM 91324P102 360 1,442 SH   SOLE   1,442 0 0
V F CORP COM 918204108 1,128 20,855 SH   SOLE   20,855 0 0
VERIZON COMMUNICATIONS COM 92343V104 921 17,134 SH   SOLE   17,134 0 0
VISA INC COM 92826C839 2,757 17,114 SH   DFND   17,069 0 45
WALGREEN BOOTS ALLIANCE INC COM 931427108 1,468 32,080 SH   DFND   31,810 0 270
WASTE MANAGEMENT COM 94106L109 1,166 12,600 SH   SOLE   12,600 0 0
CHUBB COM H1467J104 1,299 11,626 SH   SOLE   11,626 0 0