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 1,997 59,470 SH   DFND   49,425 0 10,045
ABBOTT LABORATORIES COM 002824100 1,533 20,900 SH   DFND   17,600 0 3,300
ABBVIE INC COM 00287Y109 1,311 13,860 SH   DFND   12,760 0 1,100
ADOBE INC. COM 00724F101 682 2,525 SH   DFND   130 0 2,395
ALPHABET CLASS C COM 02079K107 496 416 SH   DFND   20 0 396
ALPHABET CLASS A COM 02079K305 293 243 SH   DFND   0 0 243
ALTRIA GROUP INC COM 02209S103 318 5,268 SH   DFND   0 0 5,268
AMAZON.COM INC COM 023135106 471 235 SH   DFND   25 0 210
ANTHEM INC COM 036752103 1,629 5,945 SH   DFND   5,120 0 825
APPLE INC COM 037833100 1,868 8,274 SH   DFND   5,035 0 3,239
AXOS FINANCIAL INC COM 05465C100 909 26,420 SH   DFND   1,000 0 25,420
BP PLC ADR COM 055622104 490 10,630 SH   DFND   0 0 10,630
BAKER HUGHES A GE CO COM 05722G100 386 11,400 SH   DFND   1,750 0 9,650
BANK OF AMERICA CORP COM 060505104 1,434 48,663 SH   DFND   41,361 0 7,302
BERKSHIRE HATHAWAY NEW CLASS B COM 084670702 1,873 8,749 SH   DFND   6,265 0 2,484
BERKSHIRE HTWY CL.A 100 SHS=1 WHOLE 084990175 960 300 SH   DFND   0 0 300
BOEING COMPANY COM 097023105 255 685 SH   DFND   0 0 685
BRISTOL-MYERS SQUIBB CO COM 110122108 841 13,550 SH   DFND   12,250 0 1,300
CSX CORP COM 126408103 415 5,600 SH   DFND   0 0 5,600
CHEVRON CORP NEW COM 166764100 3,857 31,544 SH   DFND   9,190 0 22,354
CONOCOPHILLIPS COM 20825C104 1,115 14,400 SH   DFND   1,105 0 13,295
COSTCO WHSL CORP (NEW) COM 22160K105 1,196 5,090 SH   DFND   200 0 4,890
DEERE& CO COM 244199105 256 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 1,536 10,845 SH   DFND   8,125 0 2,720
EOG RESOURCES INC COM 26875P101 1,075 8,430 SH   DFND   480 0 7,950
EMERSON ELECTRIC CO COM 291011104 1,356 17,705 SH   DFND   15,205 0 2,500
EXXON MOBIL CORP (NEW) COM 30231G102 979 11,513 SH   DFND   833 0 10,680
FLUOR CORPORATION NEW COM 343412102 1,673 28,800 SH   DFND   26,000 0 2,800
GAIA INC NEW CLASS A COM 36269P104 795 51,600 SH   DFND   0 0 51,600
GILEAD SCIENCES INC COM 375558103 1,953 25,299 SH   DFND   20,075 0 5,224
HALLIBURTON CO COM 406216101 253 6,240 SH   DFND   0 0 6,240
HONEYWELL INTERNATIONAL INC COM 438516106 1,776 10,676 SH   DFND   8,141 0 2,535
HUNTINGTON BANCSHARES COM 446150104 975 65,380 SH   DFND   2,500 0 62,880
INTEL CORP COM 458140100 1,778 37,595 SH   DFND   26,866 0 10,729
INTER PARFUMS INC COM 458334109 1,736 26,935 SH   DFND   900 0 26,035
INTERNATIONAL BUSINESS MACHINE COM 459200101 1,866 12,338 SH   DFND   11,338 0 1,000
INTUIT INC COM 461202103 1,421 6,250 SH   DFND   250 0 6,000
INTUITIVE SURGICAL NEW COM 46120E602 708 1,233 SH   DFND   85 0 1,148
INVESCO S&P 500 EQ WT HEALTH COM 46137V332 1,473 7,147 SH   DFND   190 0 6,957
iSHARES T-BOND 1-3 YRS FUND COM 464287457 632 7,606 SH   DFND   970 0 6,636
iSHARES S&P MIDCAP 400 GRWTH COM 464287606 1,226 5,263 SH   DFND   155 0 5,108
iSHARES CORE S&P SMALL-CAP ETF COM 464287804 8,331 95,493 SH   DFND   1,780 0 93,713
JPMORGAN CHASE& CO COM 46625H100 1,610 14,270 SH   DFND   12,525 0 1,745
JOHNSON& JOHNSON COM 478160104 1,597 11,557 SH   DFND   8,385 0 3,172
KIMBERLY CLARK CORP COM 494368103 1,359 11,963 SH   DFND   10,383 0 1,580
KRAFT HEINZ COMPANY COM 500754106 381 6,915 SH   DFND   5,515 0 1,400
LANDSTAR SYSTEMS, INC. COM 515098101 1,094 8,965 SH   DFND   350 0 8,615
MARATHON OIL CORP COM 565849106 1,094 47,000 SH   DFND   2,800 0 44,200
MARKEL CORP COM 570535104 1,486 1,250 SH   DFND   1,105 0 145
MASTERCARD INCORPORATED COM 57636Q104 1,343 6,035 SH   DFND   230 0 5,805
MERCK& CO. INC. COM 58933Y105 275 3,875 SH   DFND   300 0 3,575
MICROSOFT CORP COM 594918104 3,682 32,196 SH   DFND   14,970 0 17,226
MONDELEZ INTERNATIONAL INC COM 609207105 760 17,690 SH   DFND   15,590 0 2,100
MORNINGSTAR INC COM 617700109 227 1,800 SH   DFND   0 0 1,800
NESTLE SA ADR COM 641069406 1,666 20,027 SH   DFND   14,612 0 5,415
NORTHERN GRAPHITE CORP F COM 66516A105 4 20,000 SH   DFND   0 0 20,000
NORTHROP GRUMMAN CORP COM 666807102 1,269 3,999 SH   DFND   200 0 3,799
NU SKIN ENTERPRISES INC CL A COM 67018T105 1,059 12,850 SH   DFND   700 0 12,150
PEPSICO INC COM 713448108 346 3,091 SH   DFND   0 0 3,091
PFIZER INCORPORATION COM 717081103 2,216 50,276 SH   DFND   27,165 0 23,111
PROCTER AND GAMBLE COMPANY COM 742718109 1,211 14,554 SH   DFND   10,265 0 4,289
QUALCOMM INC COM 747525103 1,200 16,660 SH   DFND   14,385 0 2,275
RIO TINTO PLC ADR COM 767204100 1,937 37,975 SH   DFND   30,775 0 7,200
ROYAL DUTCH SHELL PLC CL.B COM 780259107 316 4,460 SH   DFND   0 0 4,460
SPDR S&P 500 ETF COM 78462F103 343 1,180 SH   DFND   730 0 450
SPDW PORTFOLIO WORLD ex-US ETF COM 78463X889 1,855 60,293 SH   DFND   755 0 59,538
SPDR S&P DIVIDEND ETF COM 78464A763 17,305 176,706 SH   DFND   3,315 0 173,391
SPDR BARCLAYS 1-3 MO TBILL ETF COM 78468R663 2,716 29,655 SH   DFND   440 0 29,215
SCHLUMBERGER LTD COM 806857108 280 4,595 SH   DFND   0 0 4,595
SCHWAB US BROAD MKT ETF COM 808524102 6,302 89,523 SH   DFND   2,860 0 86,663
SCHWAB US LARGE CAP GROWTH ETF COM 808524300 13,925 169,769 SH   DFND   5,430 0 164,339
SCHWAB INTERNATIONAL EQTY ETF COM 808524805 8,587 256,112 SH   DFND   8,215 0 247,897
SCHWAB S-T US TREASURY ETF COM 808524862 869 17,540 SH   DFND   0 0 17,540
SECTOR SPDR ENERGY SELECT SHS COM 81369Y506 3,847 50,790 SH   DFND   995 0 49,795
SECTOR SPDR FINCL SELECT SHS COM 81369Y605 3,706 134,355 SH   DFND   2,565 0 131,790
STRYKER CORP COM 863667101 1,579 8,885 SH   DFND   230 0 8,655
SUNCOR ENERGY INC NEW COM 867224107 205 5,300 SH   DFND   0 0 5,300
UNION PACIFIC CORPORATION COM 907818108 309 1,900 SH   DFND   0 0 1,900
UNITEDHEALTH GROUP INC COM 91324P102 1,520 5,712 SH   DFND   4,962 0 750
VANGUARD FTSE DEVELOPED MKTS COM 921943858 3,009 69,534 SH   DFND   1,145 0 68,389
VANGUARD US LRG CAP GR IND ETF COM 922908736 7,458 46,310 SH   DFND   180 0 46,130
VANGUARD TOTAL STK MKT ETF COM 922908769 2,517 16,822 SH   DFND   273 0 16,549
VERIZON COMMUNICATIONS COM 92343V104 946 17,718 SH   DFND   14,414 0 3,304
VISA, INC COM 92826C839 1,525 10,160 SH   DFND   505 0 9,655
WALMART, INC COM 931142103 1,141 12,150 SH   DFND   1,200 0 10,950
WELLS FARGO& CO (NEW) COM 949746101 3,345 63,641 SH   DFND   61,056 0 2,585
AON PLC CLASS A COM G0408V102 1,153 7,495 SH   DFND   6,445 0 1,050
CHUBB LTD COM COM H1467J104 1,067 7,985 SH   DFND   6,818 0 1,167