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
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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
UNITED MICROELECTRONICS CORP SPON ADR NEW Equities 910873405 24 10,701 SH   DFND 2 0 0 10,701
HOME DEPOT INC COM Equities 437076102 211 1,015 SH   DFND 2 0 498 517
KONINKLIJKE PHILIPS N V NY REG SH NEW Equities 500472303 219 5,031 SH   DFND 1,2 0 0 5,031
AT&T INC COM USD1 Equities 00206R102 219 6,546 SH   DFND 2 0 2,868 3,678
NIKE INC CLASS B COM NPV Equities 654106103 223 2,655 SH   DFND 2 0 575 2,080
DISNEY WALT CO Equities 254687106 225 1,614 SH   DFND 2 0 695 919
NORFOLK SOUTHERN CORP COM USD1 Equities 655844108 225 1,129 SH   DFND 2 0 129 1,000
MCDONALDS CORP Equities 580135101 228 1,098 SH   DFND 2 0 359 739
CHEVRON CORP NEW COM Equities 166764100 238 1,911 SH   DFND 2 0 1,256 655
MASCO CORP COM USD1.00 Equities 574599106 238 6,067 SH   DFND 1,2 0 0 6,067
WASTE MANAGEMENT INC Equities 94106L109 242 2,099 SH   DFND 2 0 131 1,968
CISCO SYS INC COM Equities 17275R102 243 4,435 SH   DFND 2 0 2,109 2,326
PROCTER AND GAMBLE CO COM Equities 742718109 246 2,244 SH   DFND 2 0 1,392 852
ELI LILLY AND CO COM Equities 532457108 264 2,382 SH   DFND 1,2 0 0 2,382
MARSH &MCLENNAN COMPANIES INC COM USD1.00 Equities 571748102 265 2,657 SH   DFND 2 0 138 2,519
VANGUARD SECTOR INDEX FDS VANGUARD INDLS VIPERS Equities 92204A603 278 1,906 SH   SOLE   0 0 1,906
VISA INC COM CL A Equities 92826C839 278 1,599 SH   DFND 2 0 825 774
ABBOTT LABORATORIES Equities 002824100 289 3,432 SH   DFND 2 0 1,518 1,914
FLEXSHARES TRUST MORNINGSTAR US MKT Equities 33939L100 292 2,502 SH   SOLE   0 0 2,502
CHUBB LIMITED COM NPV ISIN CH0044328745 Equities H1467J104 292 1,985 SH   DFND 1,2 0 0 1,985
ALPHABET INC CAP STK CL C Equities 02079K107 316 292 SH   DFND 1,2 0 239 53
STARBUCKS CORP COM USD0.001 Equities 855244109 322 3,846 SH   DFND 2 0 552 3,294
PEPSICO INC Equities 713448108 324 2,471 SH   DFND 2 0 491 1,980
WALGREENS BOOTS ALLIANCE INC COM Equities 931427108 328 5,997 SH   DFND 2 0 646 5,351
TRAVELERS COMPANIES INC COM STK NPV Equities 89417E109 340 2,276 SH   DFND 1,2 0 0 2,276
VANGUARD INDEX FDS VANGUARD SMALL CAP VIPERS FORMERLY VANGUARD INDEX TR Equities 922908751 358 2,288 SH   SOLE   0 0 2,288
DANAHER CORPORATION COM Equities 235851102 367 2,568 SH   DFND 2 0 929 1,639
PFIZER INC Equities 717081103 371 8,566 SH   DFND 1,2 0 6,944 1,622
AMERICAN AIRLINES GROUP INC COM USD0.01 Equities 02376R102 385 11,808 SH   DFND 2 0 58 11,750
UNITEDHEALTH GROUP Equities 91324P102 412 1,689 SH   DFND 2 0 746 943
JOHNSON &JOHNSON COM USD1.00 Equities 478160104 415 2,977 SH   DFND 2 0 1,322 1,655
MERCK & CO INC NEW COM Equities 58933Y105 478 5,695 SH   DFND 2 0 931 4,764
NEXTERA ENERGY INC COM USD0.01 Equities 65339F101 509 2,483 SH   DFND 1,2 0 2,072 411
ISHARES CORE S&P 500 ETF Equities 464287200 523 1,775 SH   SOLE   0 0 1,775
VANGUARD SECTOR INDEX FDS VANGUARD HEALTH CARE VIPERS Equities 92204A504 530 3,046 SH   SOLE   0 0 3,046
AON PLC COM USD0.01 CL A Equities G0408V102 531 2,753 SH   DFND 2 0 69 2,684
VANGUARD WHITEHALL FDS HIGH DIVIDEND YIELD ETF SHS Equities 921946406 604 6,917 SH   SOLE   0 0 6,917
BERKSHIRE HATHAWAY INC COM USD0.0033 CLASS B Equities 084670702 613 2,876 SH   DFND 2 0 542 2,334
ALPHABET INC CAP STK CL A Equities 02079K305 613 566 SH   DFND 1,2 0 272 294
CME GROUP INC COM Equities 12572Q105 636 3,275 SH   DFND 1,2 0 1,070 2,205
VANGUARD INDEX FDS VANGUARD TOTAL STK MKT ETF Equities 922908769 637 4,247 SH   DFND 1 0 1,805 2,442
VANGUARD SCOTTSDALE FDS VANGUARD SHORT-TERM CORPORATE BD INDEX FD ETF SHS Equities 92206C409 680 8,430 SH   SOLE   0 0 8,430
INVESCO EXCHNG TRADED FD TR II S&P500 LOW VOL Equities 46138E354 747 13,580 SH   SOLE   0 0 13,580
ISHARES RUSSELL 3000 ETF Equities 464287689 751 4,357 SH   SOLE   0 0 4,357
JPMORGAN CHASE &CO. COM USD1.00 Equities 46625H100 765 6,842 SH   DFND 1,2 0 3,671 3,171
BOEING CO COM USD5.00 Equities 097023105 774 2,125 SH   DFND 2 0 344 1,781
FACEBOOK INC-CLASS A Equities 30303M102 849 4,397 SH   DFND 2 0 1,118 3,279
NORTHERN TRUST CORP COM USD1.666 Equities 665859104 951 10,562 SH   DFND 2 0 40 10,522
ISHARES RUSSELL 2000 VALUE ETF Equities 464287630 982 8,151 SH   SOLE   0 0 8,151
VANGUARD GROUP DIV APP ETF Equities 921908844 1,012 8,790 SH   SOLE   0 0 8,790
ISHARES CORE U.S. AGGREGATE BOND ETF Equities 464287226 1,105 9,920 SH   SOLE   0 0 9,920
PPG INDUSTRIES INC COM USD1.666 Equities 693506107 1,132 9,697 SH   DFND 2 0 162 9,535
ORACLE CORP COM Equities 68389X105 1,391 24,408 SH   DFND 2 0 0 24,408
MICROSOFT CORP Equities 594918104 1,574 11,749 SH   DFND 2 0 3,787 7,962
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF Equities 464288158 2,229 20,923 SH   SOLE   0 0 20,923
SPDR SER TR S&P DIVID ETF Equities 78464A763 2,351 23,302 SH   DFND 1 0 5,828 17,474
SPDR S&P500 ETF TRUST S&P 500 ETF USD DIS Equities 78462F103 2,390 8,158 SH   SOLE   0 0 8,158
APPLE INC COM USD0.00001 Equities 037833100 2,568 12,976 SH   DFND 1,2 0 5,307 7,669
AMAZON.COM INC Equities 023135106 2,590 1,368 SH   DFND 1,2 0 740 628
VANGUARD INDEX FDS VANGUARD MID CAP VIPERS FORMERLY VANGUARD INDEX TR Equities 922908629 2,593 15,510 SH   SOLE   0 0 15,510
ISHARES NATIONAL MUNI BOND ETF Equities 464288414 3,073 27,174 SH   SOLE   0 0 27,174
VANGUARD INTL EQUITY INDEX FDSFTSE ALL WORLD EX USA SMALL CAP INDEX FD ETF SHS Equities 922042718 3,914 37,182 SH   SOLE   0 0 37,182
VANGUARD INDEX FDS FORMERLY VANGUARD INDEX TR TO 05/24/2001 S&P 500 ETF SHS NEW Equities 922908363 4,554 16,920 SH   DFND 1 0 1,890 15,030
ISHARES RUSSELL 2000 ETF Equities 464287655 5,531 35,567 SH   DFND 1 0 1,217 34,350
VANGUARD INTL EQUITY INDEX FUND INC FTSE EMERGING MARKETS ETF Equities 922042858 7,411 174,255 SH   DFND 1 0 12,472 8,627
ISHARES S&P 500 VALUE ETF Equities 464287408 10,441 89,566 SH   DFND 1 0 27,227 62,339
ISHARES MSCI EAFE ETF Equities 464287465 10,931 166,297 SH   DFND 1 0 57,741 108,556
ISHARES S&P 500 GROWTH ETF Equities 464287309 12,119 67,616 SH   DFND 1 0 12,258 55,358
ISHARES RUSSELL 1000 GROWTH ETF Equities 464287614 16,180 102,837 SH   DFND 1 0 6,245 96,592
ISHARES RUSSELL 1000 VALUE ETF Equities 464287598 17,255 135,628 SH   DFND 1 0 8,337 127,291
ISHARES RUSSELL 1000 ETF Equities 464287622 22,940 140,920 SH   SOLE   0 0 140,920
VANGUARD FTSE DEVELOPED MARKET ETF Equities 921943858 39,000 935,016 SH   DFND 1 0 92,382 842,634