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 1,422 37,591 SH   DFND   36,996 0 595
ADOBE SYSTEMS INC COM 00724F101 1,431 5,180 SH   DFND   5,125 0 55
ALPHABET CLASS C COM 02079K107 1,247 1,023 SH   DFND   1,008 0 15
ALPHABET CLASS A COM 02079K305 2,677 2,192 SH   DFND   2,185 0 7
AMERCO COM 023586100 567 1,454 SH   SOLE   1,454 0 0
AMERICAN STATES WATER COM 029899101 640 7,120 SH   SOLE   7,120 0 0
AMERICAN TOWER CORP COM 03027X100 450 2,035 SH   DFND   1,985 0 50
AMERICAN WATER WORKS COM 030420103 2,491 20,050 SH   SOLE   20,050 0 0
AMGEN INC COM 031162100 2,465 12,740 SH   DFND   12,625 0 115
ANTHEM COM 036752103 1,319 5,495 SH   SOLE   5,495 0 0
APPLE INC COM 037833100 5,354 23,905 SH   DFND   23,805 0 100
AVALONBAY COMMUNITIES COM 053484101 466 2,163 SH   SOLE   2,163 0 0
BANK OF AMERICA COM 060505104 595 20,383 SH   SOLE   20,383 0 0
BANK OF NEW YORK MELLON COM 064058100 1,145 25,330 SH   DFND   25,210 0 120
BERKSHIRE HATHAWAY INC CLASS B COM 084670702 1,552 7,459 SH   DFND   7,384 0 75
BLACKROCK COM 09247X101 2,490 5,587 SH   DFND   5,569 0 18
BOEING COMPANY COM 097023105 351 922 SH   SOLE   922 0 0
BOOKING HOLDINGS INC COM 09857L108 1,246 635 SH   DFND   628 0 7
BOSTON PROPERTIES INC COM 101121101 360 2,775 SH   SOLE   2,775 0 0
CARNIVAL CORP COM 143658300 1,136 25,990 SH   DFND   25,730 0 260
CHEVRON CORP NEW COM 166764100 1,155 9,735 SH   DFND   9,670 0 65
CISCO SYSTEMS INC COM 17275R102 1,659 33,575 SH   SOLE   33,575 0 0
COCA-COLA COMPANY COM 191216100 1,285 23,610 SH   SOLE   23,610 0 0
COGNIZANT TECHNOLOGY SOLUTIONS COM 192446102 1,363 22,610 SH   SOLE   22,610 0 0
COMCAST CORP CL A COM 20030N101 1,462 32,425 SH   SOLE   32,425 0 0
COSTAR GROUP COM 22160N109 1,254 2,114 SH   SOLE   2,114 0 0
DELTA AIRLINES COM 247361702 965 16,745 SH   SOLE   16,745 0 0
DISNEY WALT CO COM 254687106 2,519 19,330 SH   DFND   19,270 0 60
DOMINION ENERGY INC COM 25746U109 1,588 19,590 SH   DFND   19,385 0 205
EMERSON ELECTRIC COMPANY COM 291011104 1,143 17,097 SH   DFND   16,987 0 110
EQUINIX COM 29444U700 381 660 SH   DFND   642 0 18
EXXON MOBIL CORP COM 30231G102 765 10,838 SH   DFND   10,703 0 135
FACEBOOK COM 30303M102 2,763 15,513 SH   DFND   15,393 0 120
FEDEX CORP COM 31428X106 627 4,306 SH   SOLE   4,306 0 0
FIDELITY VALUE FUND 316464106 183 17,544 SH   SOLE   17,544 0 0
FLEETCOR TECHNOLOGIES COM 339041105 1,596 5,566 SH   SOLE   5,566 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 221 1,068 SH   SOLE   1,068 0 0
HOME DEPOT INC COM 437076102 679 2,927 SH   SOLE   2,927 0 0
HOST HOTELS& RESORTS COM 44107P104 267 15,415 SH   DFND   14,905 0 510
HOWARD HUGHES COM 44267D107 824 6,360 SH   SOLE   6,360 0 0
INTEL CORP COM 458140100 370 7,180 SH   SOLE   7,180 0 0
ISHARES MSCI EAFE IND COM 464287465 286 4,385 SH   SOLE   4,385 0 0
ISHARES CORE S&P MID CAP COM 464287507 301 1,560 SH   SOLE   1,560 0 0
ISHARES CORE S&P SMALL CAP COM 464287804 217 2,785 SH   SOLE   2,785 0 0
JPMORGAN CHASE& CO COM 46625H100 2,401 20,405 SH   SOLE   20,405 0 0
JOHNSON& JOHNSON COM 478160104 2,591 20,025 SH   DFND   19,975 0 50
LOCKHEED MARTIN CORP COM 539830109 2,035 5,217 SH   DFND   5,197 0 20
MADISON SQUARE GARDEN COM 55825T103 2,078 7,884 SH   SOLE   7,884 0 0
MARTIN MARIETTA MATERIALS COM 573284106 2,204 8,042 SH   SOLE   8,042 0 0
MERCK& CO. INC. COM 58933Y105 267 3,175 SH   DFND   2,970 0 205
MICROSOFT CORP COM 594918104 3,508 25,230 SH   DFND   25,035 0 195
NASPERS COM 631512209 693 23,120 SH   DFND   22,865 0 255
NIKE INC CL B COM 654106103 395 4,205 SH   DFND   4,015 0 190
PNC FINANCIAL SERVICES GROUP COM 693475105 499 3,560 SH   DFND   3,450 0 110
PAYPAL HLDGS INC COM 70450Y103 1,798 17,355 SH   SOLE   17,355 0 0
PEPSICO INC COM 713448108 648 4,725 SH   SOLE   4,725 0 0
PLUG POWER COM 72919P202 26 10,000 SH   SOLE   10,000 0 0
PROCTER AND GAMBLE COMPANY COM 742718109 2,029 16,315 SH   SOLE   16,315 0 0
PROLOGIS COM 74340W103 408 4,785 SH   SOLE   4,785 0 0
PROSUS N V COM 74365P108 337 23,120 SH   DFND   22,865 0 255
PRUDENTIAL FINANCIAL COM 744320102 1,870 20,790 SH   SOLE   20,790 0 0
PUBLIC STORAGE COM 74460D109 408 1,665 SH   SOLE   1,665 0 0
RAYTHEON COM 755111507 2,031 10,350 SH   SOLE   10,350 0 0
REALTY INCOME COM 756109104 295 3,850 SH   DFND   3,710 0 140
S&P GLOBAL COM 78409V104 1,512 6,170 SH   SOLE   6,170 0 0
S&P 500 DEPOSITORY RECEIPTS COM 78462F103 453 1,525 SH   SOLE   1,525 0 0
SPDR GOLD TRUST COM 78463V107 545 3,925 SH   SOLE   3,925 0 0
SCHWAB TOTAL STOCK MKT INDEX FUND 808509756 263 5,029 SH   SOLE   5,029 0 0
SCHWAB US BROAD MARKET COM 808524102 547 7,699 SH   SOLE   7,699 0 0
SCHWAB US DIVIDEND COM 808524797 394 7,191 SH   SOLE   7,191 0 0
SCHWAB INTERNATIONAL COM 808524805 320 10,045 SH   SOLE   10,045 0 0
SCHWAB US AGGREGATE BOND COM 808524839 516 9,590 SH   SOLE   9,590 0 0
SCHWAB ST US TREASURY BOND COM 808524862 218 4,314 SH   SOLE   4,314 0 0
STRYKER CORP COM 863667101 1,752 8,100 SH   SOLE   8,100 0 0
TRAVELERS CO COM 89417E109 317 2,130 SH   DFND   2,015 0 115
ULTA BEAUTY COM 90384S303 1,545 6,164 SH   SOLE   6,164 0 0
UNITED PARCEL SERVICE COM 911312106 1,190 9,930 SH   DFND   9,905 0 25
UNITED TECHNOLOGIES CORP COM 913017109 2,216 16,230 SH   SOLE   16,230 0 0
UNITEDHEALTH GROUP INC COM 91324P102 373 1,716 SH   SOLE   1,716 0 0
V F CORP COM 918204108 1,865 20,955 SH   DFND   20,780 0 175
VALERO ENERGY CORP COM 91913Y100 915 10,740 SH   SOLE   10,740 0 0
VERIZON COMMUNICATIONS COM 92343V104 1,030 17,064 SH   SOLE   17,064 0 0
VISA INC COM 92826C839 3,039 17,665 SH   DFND   17,620 0 45
WELLTOWER INC COM 95040Q104 396 4,370 SH   DFND   4,245 0 125
WEYERHAEUSER COMPANY COM 962166104 342 12,340 SH   DFND   11,910 0 430
BUNGE LIMITED COM G16962105 1,606 28,360 SH   DFND   28,265 0 95
CHUBB COM H1467J104 1,864 11,545 SH   SOLE   11,545 0 0
SCHWAB 529 MODERATELY AGGRES SCHW529MA 222 7,286 SH   SOLE   7,286 0 0
ROYAL CARIBBEAN CRUISE LINE COM V7780T103 1,398 12,905 SH   SOLE   12,905 0 0