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 490 11,519 SH   DFND   0 0 11,519
ALPHABET CLASS C COM 02079K107 481 623 SH   DFND   0 0 623
ALTRIA GROUP INC COM 02209S103 398 5,878 SH   DFND   0 0 5,878
APPLE INC COM 037833100 298 2,574 SH   DFND   0 0 2,574
BOFI HOLDING INC COM 05566U108 1,031 36,120 SH   DFND   0 0 36,120
BARD C R INC COM 067383109 1,142 5,085 SH   DFND   0 0 5,085
BERKSHIRE HATHAWAY NEW CLASS B COM 084670702 274 1,684 SH   DFND   0 0 1,684
BERKSHIRE HTWY CL.A 100 SHS=1 WHOLE 084990175 732 300 SH   DFND   0 0 300
CSX CORP COM 126408103 201 5,600 SH   DFND   0 0 5,600
CHEVRON CORP NEW COM 166764100 2,350 19,970 SH   DFND   0 0 19,970
CONAGRA FOODS INC COM 205887102 895 22,630 SH   DFND   0 0 22,630
DANAHER CORP COM 235851102 840 10,790 SH   DFND   0 0 10,790
DETTO TECHNOLOGIES INC COM 251463105 0 32,000 SH   DFND   0 0 32,000
DISNEY WALT CO (HOLDING CO) COM 254687106 981 9,413 SH   DFND   0 0 9,413
VANGUARD S&P 500 UCITS ETF USD COM 27399X646 3,352 78,300 SH   DFND   0 0 78,300
EDISON INTERNATIONAL COM 281020107 262 3,639 SH   DFND   0 0 3,639
EDWARDS LIFESCIENCES COM 28176E108 566 6,045 SH   DFND   0 0 6,045
EXXON MOBIL CORP (NEW) COM 30231G102 594 6,578 SH   DFND   0 0 6,578
FACTSET RESEARCH SYSTEMS INC COM 303075105 889 5,440 SH   DFND   0 0 5,440
GENERAL MOTORS COMPANY S COM 37045V100 235 6,750 SH   DFND   0 0 6,750
HALLIBURTON CO COM 406216101 1,427 26,390 SH   DFND   0 0 26,390
HASBRO INC COM 418056107 928 11,930 SH   DFND   0 0 11,930
INTEGRATED DEVICE TECH INC COM 458118106 212 9,000 SH   DFND   0 0 9,000
INTEL CORP COM 458140100 422 11,635 SH   DFND   0 0 11,635
INTER PARFUMS INC COM 458334109 845 25,800 SH   DFND   0 0 25,800
INTUITIVE SURGICAL NEW COM 46120E602 423 667 SH   DFND   0 0 667
iSHARES T-BOND 1-3 YRS FUND COM 464287457 656 7,765 SH   DFND   0 0 7,765
iSHARES S&P MIDCAP 400 GRWTH COM 464287606 985 5,408 SH   DFND   45 0 5,363
iSHARES CORE S&P SMALL-CAP ETF COM 464287804 7,568 55,034 SH   DFND   225 0 54,809
iSHS III S&P SML CAP 600 UCITS COM 464288QST 1,128 20,000 SH   DFND   0 0 20,000
iSHS MSCI USA DIV IQ UCITS ETF COM 464288SST 2,359 80,500 SH   DFND   0 0 80,500
iSHARES NASDAQ 100 UCITS ETF COM 464288STT 570 2,100 SH   DFND   0 0 2,100
iSHRS VII DOW JONES IND ETF COM 464289BST 757 3,600 SH   DFND   0 0 3,600
JOHNSON& JOHNSON COM 478160104 259 2,250 SH   DFND   0 0 2,250
MASTERCARD INCORPORATED COM 57636Q104 1,150 11,140 SH   DFND   0 0 11,140
MICROSOFT CORP COM 594918104 1,635 26,313 SH   DFND   0 0 26,313
NORTHERN GRAPHITE CORP F COM 66516A105 4 20,000 SH   DFND   0 0 20,000
PEPSICO INC COM 713448108 278 2,661 SH   DFND   0 0 2,661
PFIZER INCORPORATION COM 717081103 543 16,721 SH   DFND   0 0 16,721
POWERSHARES QQQ COM 73935A104 7,539 63,634 SH   DFND   370 0 63,264
POWERSHARES PREFERRED ETF COM 73936T565 6,373 447,885 SH   DFND   1,810 0 446,075
PROCTER AND GAMBLE COMPANY COM 742718109 246 2,923 SH   DFND   0 0 2,923
GUGGENHEIM S&P 500 EQUAL WEIGHT HEALTH CA 78355W841 1,077 7,384 SH   DFND   60 0 7,324
SPDR S&P DIVIDEND ETF COM 78464A763 16,976 198,411 SH   DFND   900 0 197,511
SPDR S&P BIOTECH COM 78464A870 1,901 32,120 SH   DFND   250 0 31,870
SCHWAB US BROAD MKT ETF COM 808524102 2,874 53,042 SH   DFND   245 0 52,797
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 10,037 179,769 SH   DFND   1,240 0 178,529
SCHWAB INTERNATIONAL EQTY ETF COM 808524805 560 20,243 SH   DFND   0 0 20,243
SCHWAB S-T US TREASURY ETF COM 808524862 839 16,636 SH   DFND   0 0 16,636
SECTOR SPDR FINCL SELECT SHS COM 81369Y605 2,870 123,440 SH   DFND   595 0 122,845
STARBUCKS CORP COM 855244109 887 15,970 SH   DFND   0 0 15,970
STRYKER CORP COM 863667101 1,256 10,480 SH   DFND   0 0 10,480
3M COMPANY COM 88579Y101 933 5,224 SH   DFND   0 0 5,224
VANGUARD INTER-TRM BOND ETF COM 921937819 835 10,050 SH   DFND   0 0 10,050
VEEVA SYSTEMS COM 922475108 409 10,040 SH   DFND   0 0 10,040
VANGUARD US LRG CAP GR IND ETF COM 922908736 5,517 49,490 SH   DFND   0 0 49,490
VANGUARD TOTAL STK MKT ETF COM 922908769 1,207 10,464 SH   DFND   0 0 10,464
ACCENTURE PLC CL.A COM G1151C101 868 7,412 SH   DFND   0 0 7,412
ELBIT SYSTEMS LTD COM M3760D101 861 8,450 SH   DFND   0 0 8,450
CORE LABORATORIES NV COM N22717107 1,088 9,060 SH   DFND   0 0 9,060