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 469 12,434 SH   DFND   0 0 12,434
ADOBE SYSTEMS INC COM 00724F101 552 3,905 SH   DFND   0 0 3,905
ALPHABET CLASS C COM 02079K107 555 611 SH   DFND   0 0 611
ALPHABET CLASS A COM 02079K305 226 243 SH   DFND   0 0 243
ALTRIA GROUP INC COM 02209S103 423 5,678 SH   DFND   0 0 5,678
APPLE INC COM 037833100 360 2,501 SH   DFND   0 0 2,501
BOFI HOLDING INC COM 05566U108 912 38,460 SH   DFND   0 0 38,460
BERKSHIRE HATHAWAY NEW CLASS B COM 084670702 243 1,434 SH   DFND   0 0 1,434
BERKSHIRE HTWY CL.A 100 SHS=1 WHOLE 084990175 764 300 SH   DFND   0 0 300
CSX CORP COM 126408103 306 5,600 SH   DFND   0 0 5,600
CHEVRON CORP NEW COM 166764100 2,093 20,066 SH   DFND   0 0 20,066
DANAHER CORP COM 235851102 899 10,655 SH   DFND   0 0 10,655
DEERE& CO COM 244199105 210 1,700 SH   DFND   0 0 1,700
DETTO TECHNOLOGIES INC COM 251463105 0 32,000 SH   DFND   0 0 32,000
DIAGEO PLC ADR NEW COM 25243Q205 242 2,020 SH   DFND   0 0 2,020
DISNEY WALT CO (HOLDING CO) COM 254687106 968 9,107 SH   DFND   0 0 9,107
VANGUARD S&P 500 UCITS ETF USD COM 27399X646 1,476 32,100 SH   DFND   0 0 32,100
EDISON INTERNATIONAL COM 281020107 285 3,639 SH   DFND   0 0 3,639
EDWARDS LIFESCIENCES COM 28176E108 709 5,995 SH   DFND   0 0 5,995
EXXON MOBIL CORP (NEW) COM 30231G102 571 7,072 SH   DFND   0 0 7,072
GAIA INC NEW CLASS A COM 36269P104 153 13,700 SH   DFND   0 0 13,700
GENERAL MOTORS COMPANY S COM 37045V100 239 6,850 SH   DFND   0 0 6,850
HALLIBURTON CO COM 406216101 1,110 25,985 SH   DFND   0 0 25,985
HASBRO INC COM 418056107 1,307 11,720 SH   DFND   0 0 11,720
HOST HOTELS& RESORTS INC COM 44107P104 901 49,330 SH   DFND   0 0 49,330
INTEGRATED DEVICE TECH INC COM 458118106 232 9,000 SH   DFND   0 0 9,000
INTEL CORP COM 458140100 477 14,145 SH   DFND   0 0 14,145
INTER PARFUMS INC COM 458334109 930 25,380 SH   DFND   0 0 25,380
INTUITIVE SURGICAL NEW COM 46120E602 616 659 SH   DFND   0 0 659
iSHARES T-BOND 1-3 YRS FUND COM 464287457 794 9,395 SH   DFND   0 0 9,395
iSHARES S&P MIDCAP 400 GRWTH COM 464287606 1,058 5,381 SH   DFND   45 0 5,336
iSHARES CORE S&P SMALL-CAP ETF COM 464287804 7,584 108,178 SH   DFND   450 0 107,728
iSHS III S&P SML CAP 600 UCITS COM 464288QST 456 8,000 SH   DFND   0 0 8,000
iSHS MSCI USA DIV IQ UCITS ETF COM 464288SST 880 28,500 SH   DFND   0 0 28,500
iSHARES NASDAQ 100 UCITS ETF COM 464288STT 658 2,100 SH   DFND   0 0 2,100
iSHRS VII DOW JONES IND ETF COM 464289BST 342 1,500 SH   DFND   0 0 1,500
JOHNSON& JOHNSON COM 478160104 274 2,072 SH   DFND   0 0 2,072
MASTERCARD INCORPORATED COM 57636Q104 1,275 10,500 SH   DFND   0 0 10,500
MERCK& CO. INC. COM 58933Y105 210 3,275 SH   DFND   0 0 3,275
MICROSOFT CORP COM 594918104 1,770 25,685 SH   DFND   0 0 25,685
NESTLE SA ADR COM 641069406 223 2,560 SH   DFND   0 0 2,560
NORTHERN GRAPHITE CORP F COM 66516A105 5 20,000 SH   DFND   0 0 20,000
PEPSICO INC COM 713448108 365 3,163 SH   DFND   0 0 3,163
PFIZER INCORPORATION COM 717081103 609 18,121 SH   DFND   0 0 18,121
POWERSHARES QQQ COM 73935A104 8,434 61,275 SH   DFND   370 0 60,905
PROCTER AND GAMBLE COMPANY COM 742718109 255 2,923 SH   DFND   0 0 2,923
RPC, INC COM 749660106 801 39,630 SH   DFND   0 0 39,630
GUGGENHEIM S&P 500 EQUAL WEIGHT HEALTH CA 78355W841 1,333 7,659 SH   DFND   60 0 7,599
SPDR S&P DIVIDEND ETF COM 78464A763 17,451 196,315 SH   DFND   940 0 195,375
SPDR S&P BIOTECH COM 78464A870 2,475 32,070 SH   DFND   250 0 31,820
SCHWAB US BROAD MKT ETF COM 808524102 5,249 89,779 SH   DFND   605 0 89,174
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 11,195 177,133 SH   DFND   1,240 0 175,893
SCHWAB INTERNATIONAL EQTY ETF COM 808524805 4,919 154,786 SH   DFND   1,010 0 153,776
SCHWAB S-T US TREASURY ETF COM 808524862 847 16,793 SH   DFND   0 0 16,793
SECTOR SPDR FINCL SELECT SHS COM 81369Y605 2,949 119,525 SH   DFND   595 0 118,930
STARBUCKS CORP COM 855244109 943 16,170 SH   DFND   0 0 16,170
STRYKER CORP COM 863667101 1,410 10,160 SH   DFND   0 0 10,160
3M COMPANY COM 88579Y101 1,062 5,100 SH   DFND   0 0 5,100
UNION PACIFIC CORPORATION COM 907818108 207 1,900 SH   DFND   0 0 1,900
VANGUARD INTER-TRM BOND ETF COM 921937819 283 3,350 SH   DFND   0 0 3,350
VANGUARD FTSE DEVELOPED MKTS COM 921943858 2,701 65,369 SH   DFND   0 0 65,369
VEEVA SYSTEMS INC COM 922475108 609 9,930 SH   DFND   0 0 9,930
VANGUARD REIT VIPER FUND COM 922908553 287 3,450 SH   DFND   0 0 3,450
VANGUARD US LRG CAP GR IND ETF COM 922908736 6,043 47,565 SH   DFND   0 0 47,565
VANGUARD TOTAL STK MKT ETF COM 922908769 2,172 17,453 SH   DFND   0 0 17,453
ACCENTURE PLC CL.A COM G1151C101 896 7,245 SH   DFND   0 0 7,245
ELBIT SYSTEMS LTD COM M3760D101 1,027 8,300 SH   DFND   0 0 8,300