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
3M CO COM 88579Y101 117 775 SH   DFND 2 0 0 775
3M CO COM 88579Y101 158 1,047 SH   SOLE   0 0 1,047
3M CO COM 88579Y101 277 1,839 SH   DFND 1 0 0 1,839
ABBOTT LABS COM 002824100 284 6,329 SH   DFND 1 0 0 6,329
ABBOTT LABS COM 002824100 48 1,075 SH   DFND 2 0 0 1,075
ABBOTT LABS COM 002824100 29 644 SH   SOLE   0 0 644
ABBVIE INC COM 00287Y109 388 6,552 SH   DFND 1 0 0 6,552
ABBVIE INC COM 00287Y109 23 383 SH   SOLE   0 0 383
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 128 1,224 SH   DFND 1 0 0 1,224
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 104 1,000 SH   DFND 2 0 0 1,000
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 277 2,654 SH   SOLE   0 0 2,654
ACE LTD SHS H0023R105 44 373 SH   DFND 1 0 0 373
ACE LTD SHS H0023R105 35 300 SH   DFND 2 0 0 300
ACE LTD SHS H0023R105 125 1,066 SH   SOLE   0 0 1,066
ACHAOGEN INC COM 004449104 114 19,823 SH   SOLE   0 0 19,823
AIR PRODS & CHEMS INC COM 009158106 221 1,695 SH   DFND 1 0 0 1,695
AIR PRODS & CHEMS INC COM 009158106 78 600 SH   DFND 2 0 0 600
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 2,114 26,012 SH   SOLE   0 0 26,012
ALLEGHANY CORP DEL COM 017175100 21 43 SH   DFND 1 0 0 43
ALLEGHANY CORP DEL COM 017175100 284 595 SH   SOLE   0 0 595
ALLERGAN PLC SHS G0177J108 361 1,155 SH   DFND 1 0 0 1,155
ALLERGAN PLC SHS G0177J108 53 169 SH   SOLE   0 0 169
ALPHABET INC CAP STK CL A 02079K305 711 914 SH   DFND 1 0 0 914
ALPHABET INC CAP STK CL A 02079K305 107 137 SH   SOLE   0 0 137
ALPHABET INC CAP STK CL C 02079K107 574 757 SH   DFND 1 0 0 757
ALPHABET INC CAP STK CL C 02079K107 149 195 SH   DFND 2 0 0 195
ALPHABET INC CAP STK CL C 02079K107 570 742 SH   SOLE   0 0 742
ALTRIA GROUP INC COM 02209s103 323 5,554 SH   DFND 1 0 0 5,554
ALTRIA GROUP INC COM 02209s103 133 2,279 SH   SOLE   0 0 2,279
AMAZON COM INC COM 023135106 191 282 SH   SOLE   0 0 282
AMAZON COM INC COM 023135106 793 1,173 SH   DFND 1 0 0 1,173
AMERICAN EXPRESS CO COM 025816109 230 3,308 SH   DFND 1 0 0 3,308
AMERICAN EXPRESS CO COM 025816109 50 725 SH   DFND 2 0 0 725
AMERICAN EXPRESS CO COM 025816109 82 1,177 SH   SOLE   0 0 1,177
AMERICAN INTL GROUP INC COM NEW 026874784 188 3,031 SH   DFND 1 0 0 3,031
AMERICAN INTL GROUP INC COM NEW 026874784 66 1,068 SH   SOLE   0 0 1,068
AMERISOURCEBERGEN CORP COM 03073e105 69 670 SH   SOLE   0 0 670
AMERISOURCEBERGEN CORP COM 03073e105 146 1,408 SH   DFND 1 0 0 1,408
AMGEN INC COM 031162100 74 453 SH   SOLE   0 0 453
AMGEN INC COM 031162100 439 2,706 SH   DFND 1 0 0 2,706
ANALOG DEVICES INC COM 032654105 29 531 SH   DFND 1 0 0 531
ANALOG DEVICES INC COM 032654105 377 6,816 SH   SOLE   0 0 6,816
APPLE INC COM 037833100 1,677 15,936 SH   DFND 1 0 0 15,936
APPLE INC COM 037833100 145 1,375 SH   DFND 2 0 0 1,375
APPLE INC COM 037833100 2,681 25,467 SH   SOLE   0 0 25,467
AT&T INC COM 00206r102 186 5,416 SH   SOLE   0 0 5,416
AT&T INC COM 00206r102 746 21,688 SH   DFND 1 0 0 21,688
AUTOMATIC DATA PROCESSING IN COM 053015103 384 4,530 SH   SOLE   0 0 4,530
AUTOMATIC DATA PROCESSING IN COM 053015103 139 1,643 SH   DFND 1 0 0 1,643
AUTOMATIC DATA PROCESSING IN COM 053015103 72 850 SH   DFND 2 0 0 850
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946k101 229 31,200 SH   SOLE   0 0 31,200
BANCO SANTANDER SA ADR 05964h105 668 137,138 SH   SOLE   0 0 137,138
BANK AMER CORP COM 060505104 470 27,914 SH   DFND 1 0 0 27,914
BANK AMER CORP COM 060505104 52 3,110 SH   SOLE   0 0 3,110
BANK NEW YORK MELLON CORP COM 064058100 84 2,027 SH   DFND 1 0 0 2,027
BANK NEW YORK MELLON CORP COM 064058100 507 12,305 SH   SOLE   0 0 12,305
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,187 6 SH   SOLE   0 0 6
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,866 14,130 SH   SOLE   0 0 14,130
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 543 4,116 SH   DFND 1 0 0 4,116
BIOGEN INC COM 09062x103 292 952 SH   DFND 1 0 0 952
BIOGEN INC COM 09062x103 108 352 SH   SOLE   0 0 352
BOEING CO COM 097023105 274 1,897 SH   DFND 1 0 0 1,897
BOEING CO COM 097023105 100 694 SH   SOLE   0 0 694
BRISTOL MYERS SQUIBB CO COM 110122108 352 5,120 SH   DFND 1 0 0 5,120
BRISTOL MYERS SQUIBB CO COM 110122108 488 7,088 SH   SOLE   0 0 7,088
CELGENE CORP COM 151020104 40 335 SH   SOLE   0 0 335
CELGENE CORP COM 151020104 284 2,374 SH   DFND 1 0 0 2,374
CHEVRON CORP NEW COM 166764100 459 5,101 SH   DFND 1 0 0 5,101
CHEVRON CORP NEW COM 166764100 237 2,631 SH   SOLE   0 0 2,631
CISCO SYS INC COM 17275r102 428 15,772 SH   DFND 1 0 0 15,772
CISCO SYS INC COM 17275r102 75 2,750 SH   DFND 2 0 0 2,750
CISCO SYS INC COM 17275r102 269 9,902 SH   SOLE   0 0 9,902
CITIGROUP INC COM NEW 172967424 354 6,835 SH   DFND 1 0 0 6,835
CITIGROUP INC COM NEW 172967424 38 740 SH   SOLE   0 0 740
COCA COLA CO COM 191216100 490 11,416 SH   DFND 1 0 0 11,416
COCA COLA CO COM 191216100 368 8,565 SH   SOLE   0 0 8,565
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 1 10 SH   SOLE   0 0 10
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 170 2,827 SH   DFND 1 0 0 2,827
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 32 525 SH   DFND 2 0 0 525
COLGATE PALMOLIVE CO COM 194162103 164 2,463 SH   DFND 1 0 0 2,463
COLGATE PALMOLIVE CO COM 194162103 61 915 SH   DFND 2 0 0 915
COLGATE PALMOLIVE CO COM 194162103 64 961 SH   SOLE   0 0 961
COMCAST CORP NEW CL A 20030n101 401 7,099 SH   DFND 1 0 0 7,099
COMCAST CORP NEW CL A 20030n101 61 1,075 SH   DFND 2 0 0 1,075
COMCAST CORP NEW CL A 20030n101 172 3,056 SH   SOLE   0 0 3,056
COMMERCE BANCSHARES INC COM 200525103 13 309 SH   DFND 1 0 0 309
COMMERCE BANCSHARES INC COM 200525103 354 8,321 SH   SOLE   0 0 8,321
CONOCOPHILLIPS COM 20825c104 89 1,900 SH   DFND 2 0 0 1,900
CONOCOPHILLIPS COM 20825c104 121 2,591 SH   SOLE   0 0 2,591
CONOCOPHILLIPS COM 20825c104 164 3,516 SH   DFND 1 0 0 3,516
COSTCO WHSL CORP NEW COM 22160k105 174 1,077 SH   DFND 1 0 0 1,077
COSTCO WHSL CORP NEW COM 22160k105 105 650 SH   DFND 2 0 0 650
COSTCO WHSL CORP NEW COM 22160k105 118 729 SH   SOLE   0 0 729
CVS HEALTH CORP COM 126650100 180 1,840 SH   SOLE   0 0 1,840
CVS HEALTH CORP COM 126650100 59 600 SH   DFND 2 0 0 600
CVS HEALTH CORP COM 126650100 302 3,088 SH   DFND 1 0 0 3,088
CVS HEALTH CORP COM 126650100 2,689 27,500 SH Put SOLE   0 0 27,500
DANAHER CORP DEL COM 235851102 208 2,240 SH   DFND 1 0 0 2,240
DANAHER CORP DEL COM 235851102 50 537 SH   SOLE   0 0 537
DISNEY WALT CO COM DISNEY 254687106 624 5,934 SH   DFND 1 0 0 5,934
DISNEY WALT CO COM DISNEY 254687106 358 3,406 SH   SOLE   0 0 3,406
DU PONT E I DE NEMOURS & CO COM 263534109 173 2,604 SH   DFND 1 0 0 2,604
DU PONT E I DE NEMOURS & CO COM 263534109 76 1,144 SH   SOLE   0 0 1,144
E M C CORP MASS COM 268648102 198 7,704 SH   DFND 1 0 0 7,704
E M C CORP MASS COM 268648102 62 2,400 SH   DFND 2 0 0 2,400
E M C CORP MASS COM 268648102 70 2,712 SH   SOLE   0 0 2,712
EMERSON ELEC CO COM 291011104 133 2,782 SH   DFND 1 0 0 2,782
EMERSON ELEC CO COM 291011104 63 1,325 SH   DFND 2 0 0 1,325
EMERSON ELEC CO COM 291011104 69 1,443 SH   SOLE   0 0 1,443
EXPRESS SCRIPTS HLDG CO COM 30219g108 242 2,768 SH   DFND 1 0 0 2,768
EXPRESS SCRIPTS HLDG CO COM 30219g108 101 1,150 SH   DFND 2 0 0 1,150
EXPRESS SCRIPTS HLDG CO COM 30219g108 197 2,257 SH   SOLE   0 0 2,257
EXXON MOBIL CORP COM 30231g102 353 4,533 SH   SOLE   0 0 4,533
EXXON MOBIL CORP COM 30231g102 1,137 14,588 SH   DFND 1 0 0 14,588
FACEBOOK INC CL A 30303m102 344 3,283 SH   SOLE   0 0 3,283
FACEBOOK INC CL A 30303m102 611 5,834 SH   DFND 1 0 0 5,834
FEDEX CORP COM 31428x106 152 1,022 SH   DFND 1 0 0 1,022
FEDEX CORP COM 31428x106 766 5,141 SH   SOLE   0 0 5,141
FORD MTR CO DEL COM PAR $0.01 345370860 122 8,642 SH   DFND 1 0 0 8,642
FORD MTR CO DEL COM PAR $0.01 345370860 21 1,457 SH   SOLE   0 0 1,457
GENERAL ELECTRIC CO COM 369604103 762 24,447 SH   DFND 1 0 0 24,447
GENERAL ELECTRIC CO COM 369604103 1,943 62,389 SH   SOLE   0 0 62,389
GENERAL MLS INC COM 370334104 231 4,004 SH   DFND 1 0 0 4,004
GENERAL MLS INC COM 370334104 53 925 SH   DFND 2 0 0 925
GENERAL MLS INC COM 370334104 19 330 SH   SOLE   0 0 330
GILEAD SCIENCES INC COM 375558103 526 5,195 SH   DFND 1 0 0 5,195
GILEAD SCIENCES INC COM 375558103 213 2,105 SH   SOLE   0 0 2,105
GLAXOSMITHKLINE PLC SPONSORED ADR 37733w105 0 7 SH   DFND 1 0 0 7
GLAXOSMITHKLINE PLC SPONSORED ADR 37733w105 369 9,139 SH   SOLE   0 0 9,139
GOLDMAN SACHS GROUP INC COM 38141G104 208 1,155 SH   DFND 1 0 0 1,155
GOLDMAN SACHS GROUP INC COM 38141G104 30 167 SH   SOLE   0 0 167
HOME DEPOT INC COM 437076102 577 4,364 SH   SOLE   0 0 4,364
HOME DEPOT INC COM 437076102 480 3,630 SH   DFND 1 0 0 3,630
HONEYWELL INTL INC COM 438516106 185 1,785 SH   SOLE   0 0 1,785
HONEYWELL INTL INC COM 438516106 138 1,332 SH   DFND 1 0 0 1,332
ILLINOIS TOOL WKS INC COM 452308109 298 3,217 SH   DFND 1 0 0 3,217
ILLINOIS TOOL WKS INC COM 452308109 86 925 SH   DFND 2 0 0 925
ILLINOIS TOOL WKS INC COM 452308109 627 6,770 SH   SOLE   0 0 6,770
INTEL CORP COM 458140100 667 19,366 SH   DFND 1 0 0 19,366
INTEL CORP COM 458140100 10 300 SH   DFND 2 0 0 300
INTEL CORP COM 458140100 321 9,310 SH   SOLE   0 0 9,310
INTERNATIONAL BUSINESS MACHS COM 459200101 560 4,068 SH   DFND 1 0 0 4,068
INTERNATIONAL BUSINESS MACHS COM 459200101 160 1,162 SH   SOLE   0 0 1,162
ISHARES NW ZEALND CP ET 464289123 304 8,100 SH   SOLE   0 0 8,100
ISHARES INC CORE MSCI EMKT 46434G103 68,621 1,742,093 SH   SOLE   0 0 1,742,093
ISHARES TR CORE MSCI EAFE 46432F842 51,142 940,462 SH   SOLE   0 0 940,462
ISHARES TR CORE S&P MCP ET 464287507 37,014 265,677 SH   SOLE   0 0 265,677
ISHARES TR CORE S&P SCP ET 464287804 24,370 221,321 SH   SOLE   0 0 221,321
ISHARES TR CORE S&P TTL ST 464287150 2,823 30,404 SH   SOLE   0 0 30,404
ISHARES TR CORE S&P500 ETF 464287200 69,485 339,166 SH   SOLE   0 0 339,166
ISHARES TR EAFE SML CP ETF 464288273 2,700 54,058 SH   SOLE   0 0 54,058
ISHARES TR EUROPE ETF 464287861 969 24,170 SH   SOLE   0 0 24,170
ISHARES TR MSCI EAFE ETF 464287465 42,048 716,071 SH   SOLE   0 0 716,071
ISHARES TR MSCI EMG MKT ET 464287234 9,971 309,761 SH   SOLE   0 0 309,761
ISHARES TR RUS 1000 ETF 464287622 39,722 350,562 SH   SOLE   0 0 350,562
ISHARES TR RUS 1000 GRW ET 464287614 8,162 82,050 SH   SOLE   0 0 82,050
ISHARES TR RUS 1000 VAL ET 464287598 4,861 49,672 SH   SOLE   0 0 49,672
ISHARES TR RUS MDCP VAL ET 464287473 344 5,013 SH   SOLE   0 0 5,013
ISHARES TR RUS MID-CAP ETF 464287499 2,836 17,702 SH   SOLE   0 0 17,702
ISHARES TR RUSSELL 2000 ET 464287655 6,911 61,368 SH   SOLE   0 0 61,368
ISHARES TR RUSSELL 3000 ET 464287689 14,750 122,599 SH   SOLE   0 0 122,599
ISHARES TR S&P 500 VAL ETF 464287408 799 9,021 SH   SOLE   0 0 9,021
ISHARES TR SP SMCP600GR ET 464287887 649 5,222 SH   SOLE   0 0 5,222
ISHARES TR SP SMCP600VL ET 464287879 3,107 28,729 SH   SOLE   0 0 28,729
JOHNSON & JOHNSON COM 478160104 121 1,175 SH   DFND 2 0 0 1,175
JOHNSON & JOHNSON COM 478160104 822 8,007 SH   SOLE   0 0 8,007
JOHNSON & JOHNSON COM 478160104 892 8,679 SH   DFND 1 0 0 8,679
JPMORGAN CHASE & CO COM 46625h100 69 1,050 SH   DFND 2 0 0 1,050
JPMORGAN CHASE & CO COM 46625h100 550 8,334 SH   DFND 1 0 0 8,334
JPMORGAN CHASE & CO COM 46625h100 464 7,032 SH   SOLE   0 0 7,032
LILLY ELI & CO COM 532457108 51 609 SH   SOLE   0 0 609
LILLY ELI & CO COM 532457108 185 2,198 SH   DFND 1 0 0 2,198
LIVE OAK BANCSHARES INC COM 53803X105 1 69 SH   DFND 1 0 0 69
LIVE OAK BANCSHARES INC COM 53803X105 289 20,330 SH   SOLE   0 0 20,330
MASTERCARD INC CL A 57636q104 240 2,460 SH   DFND 1 0 0 2,460
MASTERCARD INC CL A 57636q104 96 985 SH   SOLE   0 0 985
MCDONALDS CORP COM 580135101 331 2,804 SH   DFND 1 0 0 2,804
MCDONALDS CORP COM 580135101 53 450 SH   DFND 2 0 0 450
MCDONALDS CORP COM 580135101 243 2,053 SH   SOLE   0 0 2,053
MERCK & CO INC NEW COM 58933y105 101 1,915 SH   SOLE   0 0 1,915
MERCK & CO INC NEW COM 58933y105 593 11,226 SH   DFND 1 0 0 11,226
MERCK & CO INC NEW COM 58933y105 50 950 SH   DFND 2 0 0 950
MICROSOFT CORP COM 594918104 418 7,540 SH   SOLE   0 0 7,540
MICROSOFT CORP COM 594918104 1,199 21,613 SH   DFND 1 0 0 21,613
MICROSOFT CORP COM 594918104 125 2,250 SH   DFND 2 0 0 2,250
MORGAN STANLEY COM NEW 617446448 195 6,124 SH   DFND 1 0 0 6,124
MORGAN STANLEY COM NEW 617446448 18 556 SH   SOLE   0 0 556
NEXTERA ENERGY INC COM 65339f101 105 1,011 SH   DFND 1 0 0 1,011
NEXTERA ENERGY INC COM 65339f101 102 986 SH   SOLE   0 0 986
NIKE INC CL B 654106103 335 5,368 SH   DFND 1 0 0 5,368
NIKE INC CL B 654106103 194 3,100 SH   DFND 2 0 0 3,100
NIKE INC CL B 654106103 53 850 SH   SOLE   0 0 850
NOVARTIS A G SPONSORED ADR 66987v109 10 111 SH   DFND 1 0 0 111
NOVARTIS A G SPONSORED ADR 66987v109 388 4,504 SH   SOLE   0 0 4,504
OMNICOM GROUP INC COM 681919106 59 776 SH   DFND 1 0 0 776
OMNICOM GROUP INC COM 681919106 95 1,250 SH   DFND 2 0 0 1,250
OMNICOM GROUP INC COM 681919106 97 1,285 SH   SOLE   0 0 1,285
ORACLE CORP COM 68389x105 367 10,041 SH   DFND 1 0 0 10,041
ORACLE CORP COM 68389x105 66 1,800 SH   DFND 2 0 0 1,800
ORACLE CORP COM 68389x105 96 2,635 SH   SOLE   0 0 2,635
PALO ALTO NETWORKS INC COM 697435105 21 121 SH   DFND 1 0 0 121
PALO ALTO NETWORKS INC COM 697435105 783 4,446 SH   SOLE   0 0 4,446
PEPSICO INC COM 713448108 623 6,235 SH   DFND 1 0 0 6,235
PEPSICO INC COM 713448108 95 950 SH   DFND 2 0 0 950
PEPSICO INC COM 713448108 252 2,519 SH   SOLE   0 0 2,519
PFIZER INC COM 717081103 653 20,236 SH   DFND 1 0 0 20,236
PFIZER INC COM 717081103 477 14,771 SH   SOLE   0 0 14,771
PHILIP MORRIS INTL INC COM 718172109 391 4,449 SH   DFND 1 0 0 4,449
PHILIP MORRIS INTL INC COM 718172109 140 1,590 SH   SOLE   0 0 1,590
PHILLIPS 66 COM 718546104 150 1,828 SH   DFND 1 0 0 1,828
PHILLIPS 66 COM 718546104 20 250 SH   DFND 2 0 0 250
PHILLIPS 66 COM 718546104 67 823 SH   SOLE   0 0 823
PNC FINL SVCS GROUP INC COM 693475105 117 1,229 SH   DFND 1 0 0 1,229
PNC FINL SVCS GROUP INC COM 693475105 91 950 SH   DFND 2 0 0 950
PNC FINL SVCS GROUP INC COM 693475105 677 7,102 SH   SOLE   0 0 7,102
POWERSHARES QQQ TRUST UNIT SER 1 73935a104 533 4,763 SH   SOLE   0 0 4,763
PPL CORP COM 69351t106 60 1,769 SH   DFND 1 0 0 1,769
PPL CORP COM 69351t106 182 5,334 SH   SOLE   0 0 5,334
PRICELINE GRP INC COM NEW 741503403 163 128 SH   DFND 1 0 0 128
PRICELINE GRP INC COM NEW 741503403 82 64 SH   SOLE   0 0 64
PROCTER & GAMBLE CO COM 742718109 222 2,793 SH   SOLE   0 0 2,793
PROCTER & GAMBLE CO COM 742718109 709 8,932 SH   DFND 1 0 0 8,932
PROCTER & GAMBLE CO COM 742718109 69 875 SH   DFND 2 0 0 875
QUALCOMM INC COM 747525103 44 879 SH   SOLE   0 0 879
QUALCOMM INC COM 747525103 167 3,344 SH   DFND 1 0 0 3,344
QUALCOMM INC COM 747525103 49 975 SH   DFND 2 0 0 975
ROSS STORES INC COM 778296103 12 228 SH   DFND 1 0 0 228
ROSS STORES INC COM 778296103 108 2,000 SH   DFND 2 0 0 2,000
ROSS STORES INC COM 778296103 103 1,908 SH   SOLE   0 0 1,908
SALESFORCE COM INC COM 79466l302 227 2,898 SH   DFND 1 0 0 2,898
SALESFORCE COM INC COM 79466l302 27 347 SH   SOLE   0 0 347
SCHLUMBERGER LTD COM 806857108 284 4,071 SH   DFND 1 0 0 4,071
SCHLUMBERGER LTD COM 806857108 89 1,275 SH   SOLE   0 0 1,275
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 217 5,076 SH   SOLE   0 0 5,076
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,577 41,817 SH   SOLE   0 0 41,817
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 3,520 124,682 SH   SOLE   0 0 124,682
SPDR S&P 500 ETF TR TR UNIT 78462F103 55,700 273,212 SH   SOLE   0 0 273,212
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,351 13,192 SH   SOLE   0 0 13,192
SPDR SERIES TRUST S&P DIVID ETF 78464A763 484 6,585 SH   SOLE   0 0 6,585
STANLEY BLACK & DECKER INC COM 854502101 64 601 SH   DFND 1 0 0 601
STANLEY BLACK & DECKER INC COM 854502101 986 9,237 SH   SOLE   0 0 9,237
STARBUCKS CORP COM 855244109 211 3,515 SH   DFND 1 0 0 3,515
STARBUCKS CORP COM 855244109 34 570 SH   SOLE   0 0 570
STATE STR CORP COM 857477103 92 1,393 SH   DFND 1 0 0 1,393
STATE STR CORP COM 857477103 58 875 SH   DFND 2 0 0 875
STATE STR CORP COM 857477103 99 1,490 SH   SOLE   0 0 1,490
STERICYCLE INC COM 858912108 3 24 SH   DFND 1 0 0 24
STERICYCLE INC COM 858912108 531 4,400 SH   SOLE   0 0 4,400
STRYKER CORP COM 863667101 51 546 SH   DFND 1 0 0 546
STRYKER CORP COM 863667101 81 875 SH   DFND 2 0 0 875
STRYKER CORP COM 863667101 339 3,644 SH   SOLE   0 0 3,644
TARGET CORP COM 87612e106 116 1,591 SH   DFND 1 0 0 1,591
TARGET CORP COM 87612e106 241 3,313 SH   SOLE   0 0 3,313
TELEFONICA S A SPONSORED ADR 879382208 349 31,570 SH   SOLE   0 0 31,570
TEXAS INSTRS INC COM 882508104 144 2,628 SH   DFND 1 0 0 2,628
TEXAS INSTRS INC COM 882508104 556 10,147 SH   SOLE   0 0 10,147
THERMO FISHER SCIENTIFIC INC COM 883556102 434 3,060 SH   SOLE   0 0 3,060
THERMO FISHER SCIENTIFIC INC COM 883556102 140 986 SH   DFND 1 0 0 986
TIME WARNER INC COM NEW 887317303 212 3,278 SH   DFND 1 0 0 3,278
TIME WARNER INC COM NEW 887317303 13 195 SH   SOLE   0 0 195
TJX COS INC NEW COM 872540109 176 2,476 SH   DFND 1 0 0 2,476
TJX COS INC NEW COM 872540109 81 1,136 SH   SOLE   0 0 1,136
TORONTO DOMINION BK ONT COM NEW 891160509 396 10,121 SH   SOLE   0 0 10,121
TRAVELERS COMPANIES INC COM 89417e109 164 1,457 SH   SOLE   0 0 1,457
TRAVELERS COMPANIES INC COM 89417e109 170 1,506 SH   DFND 1 0 0 1,506
UNION PAC CORP COM 907818108 19 237 SH   SOLE   0 0 237
UNION PAC CORP COM 907818108 264 3,378 SH   DFND 1 0 0 3,378
UNION PAC CORP COM 907818108 82 1,050 SH   DFND 2 0 0 1,050
UNITED PARCEL SERVICE INC CL B 911312106 149 1,552 SH   DFND 1 0 0 1,552
UNITED PARCEL SERVICE INC CL B 911312106 38 400 SH   DFND 2 0 0 400
UNITED PARCEL SERVICE INC CL B 911312106 1,072 11,140 SH   SOLE   0 0 11,140
UNITED TECHNOLOGIES CORP COM 913017109 215 2,240 SH   DFND 1 0 0 2,240
UNITED TECHNOLOGIES CORP COM 913017109 202 2,099 SH   SOLE   0 0 2,099
UNITEDHEALTH GROUP INC COM 91324p102 268 2,281 SH   SOLE   0 0 2,281
UNITEDHEALTH GROUP INC COM 91324p102 280 2,383 SH   DFND 1 0 0 2,383
US BANCORP DEL COM NEW 902973304 137 3,220 SH   SOLE   0 0 3,220
US BANCORP DEL COM NEW 902973304 78 1,825 SH   DFND 2 0 0 1,825
US BANCORP DEL COM NEW 902973304 225 5,281 SH   DFND 1 0 0 5,281
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 3,312 39,525 SH   SOLE   0 0 39,525
VANGUARD INDEX FDS GROWTH ETF 922908736 490 4,608 SH   SOLE   0 0 4,608
VANGUARD INDEX FDS LARGE CAP ETF 922908637 40,659 434,854 SH   SOLE   0 0 434,854
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 330 3,310 SH   SOLE   0 0 3,310
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 922 10,729 SH   SOLE   0 0 10,729
VANGUARD INDEX FDS MID CAP ETF 922908629 9,143 76,118 SH   SOLE   0 0 76,118
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 469 2,509 SH   SOLE   0 0 2,509
VANGUARD INDEX FDS SM CP VAL ETF 922908611 764 7,734 SH   SOLE   0 0 7,734
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,556 59,256 SH   SOLE   0 0 59,256
VANGUARD INDEX FDS SML CP GRW ETF 922908595 323 2,660 SH   SOLE   0 0 2,660
VANGUARD INDEX FDS TOTAL STK MKT 922908769 235,772 2,260,522 SH   SOLE   0 0 2,260,522
VANGUARD INDEX FDS VALUE ETF 922908744 2,365 29,012 SH   SOLE   0 0 29,012
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 5,912 136,178 SH   SOLE   0 0 136,178
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ET 922042858 52,004 1,589,835 SH   SOLE   0 0 1,589,835
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 26,028 521,819 SH   SOLE   0 0 521,819
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ET 922042866 15,663 276,394 SH   SOLE   0 0 276,394
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 328 5,694 SH   SOLE   0 0 5,694
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 25,114 322,968 SH   SOLE   0 0 322,968
VANGUARD STAR FD VG TL INTL STK 921909768 1,439 31,889 SH   SOLE   0 0 31,889
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ET 921943858 62,247 1,695,188 SH   SOLE   0 0 1,695,188
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 528 7,910 SH   SOLE   0 0 7,910
VANGUARD WORLD FD MEGA CAP VAL ET 921910840 632 10,700 SH   SOLE   0 0 10,700
VANGUARD WORLD FD MEGA GRWTH IND 921910816 781 9,400 SH   SOLE   0 0 9,400
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 1,458 11,300 SH   SOLE   0 0 11,300
VERIZON COMMUNICATIONS INC COM 92343v104 401 8,668 SH   DFND 1 0 0 8,668
VERIZON COMMUNICATIONS INC COM 92343v104 144 3,115 SH   SOLE   0 0 3,115
VISA INC COM CL A 92826c839 68 875 SH   DFND 2 0 0 875
VISA INC COM CL A 92826c839 36 463 SH   SOLE   0 0 463
VISA INC COM CL A 92826c839 432 5,570 SH   DFND 1 0 0 5,570
WALGREENS BOOTS ALLIANCE INC COM 931427108 337 3,957 SH   SOLE   0 0 3,957
WALGREENS BOOTS ALLIANCE INC COM 931427108 366 4,296 SH   DFND 1 0 0 4,296
WAL-MART STORES INC COM 931142103 285 4,649 SH   DFND 1 0 0 4,649
WAL-MART STORES INC COM 931142103 343 5,600 SH   SOLE   0 0 5,600
WELLS FARGO & CO NEW COM 949746101 887 16,310 SH   DFND 1 0 0 16,310
WELLS FARGO & CO NEW COM 949746101 68 1,250 SH   DFND 2 0 0 1,250
WELLS FARGO & CO NEW COM 949746101 107 1,964 SH   SOLE   0 0 1,964
WISDOMTREE TR EUROPE SMCP DV 97717w869 361 6,450 SH   SOLE   0 0 6,450
WORKDAY INC CL A 98138H101 382 4,796 SH   SOLE   0 0 4,796
WORKDAY INC CL A 98138H101 33 420 SH   DFND 1 0 0 420