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
AETNA INC NEW COM 00817Y108 2,220 12,096 SH   DFND   12,096 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 4,307 27,660 SH   DFND   27,660 0 0
AMERCO COM 023586100 739 2,075 SH   DFND   2,075 0 0
AMERICAN EXPRESS CO COM 025816109 707 7,216 SH   DFND   7,216 0 0
AMERICAN TOWER CORP COM 03027X100 450 3,120 SH   DFND   3,120 0 0
ANHEUSER-BUSCH INBEV SA ADR SPONSORED ADR 03524A108 6,168 61,217 SH   DFND   61,217 0 0
APPLE INC COM 037833100 14,108 76,214 SH   DFND   76,214 0 0
ARCONIC INC COM 03965L100 315 18,500 SH   DFND   18,500 0 0
AUTOMATIC DATA PROCESSING COM 053015103 278 2,075 SH   DFND   2,075 0 0
BANK OF AMERICA COM 060505104 603 21,400 SH   DFND   21,400 0 0
BAXTER INTL INC COM 071813109 5,972 80,872 SH   DFND   80,872 0 0
BECTON DICKINSON COM 075887109 6,866 28,661 SH   DFND   28,661 0 0
BLACKROCK INC COM 09247X101 11,479 23,003 SH   DFND   23,003 0 0
CVS HEALTH CORPORATION COM 126650100 7,677 119,294 SH   DFND   119,294 0 0
CHURCH & DWIGHT CO COM 171340102 335 6,300 SH   DFND   6,300 0 0
CISCO SYS INC COM 17275R102 352 8,187 SH   DFND   8,187 0 0
CITIZENS FINANC COM 174610105 408 10,500 SH   DFND   10,500 0 0
COCA-COLA BOTTLING CO CONSOL COM 191098102 236 1,750 SH   DFND   1,750 0 0
COCA-COLA CO COM 191216100 4,176 95,203 SH   DFND   95,203 0 0
COMCAST CORP NEW COM CL A CL A 20030N101 11,919 363,282 SH   DFND   363,282 0 0
DISNEY WALT PRODUCTIONS COM DISNEY 254687106 8,267 78,878 SH   DFND   78,878 0 0
DOLLAR GENERAL CORP COM 256677105 730 7,400 SH   DFND   7,400 0 0
DOWDUPONT INC COM 26078J100 10,430 158,219 SH   DFND   158,219 0 0
EMERSON ELECTRIC CO COM 291011104 3,418 49,441 SH   DFND   49,441 0 0
EXPEDIA INC COM NEW 30212P303 639 5,317 SH   DFND   5,317 0 0
EXXON MOBIL CORP COM 30231G102 5,880 71,074 SH   DFND   71,074 0 0
FEDEX CORP COM 31428X106 5,154 22,698 SH   DFND   22,698 0 0
FRANKLIN RES INC COM 354613101 625 19,500 SH   DFND   19,500 0 0
GAP INC COM 364760108 226 6,984 SH   DFND   6,984 0 0
GENUINE PARTS CO COM 372460105 262 2,852 SH   DFND   2,852 0 0
GLAXOSMITHKLINE PLC COM 37733W105 307 7,626 SH   DFND   7,626 0 0
GRAHAM HOLDINGS COMPANY COM 384637104 315 537 SH   DFND   537 0 0
HONEYWELL INTERNATIONAL, INC. COM 438516106 2,925 20,303 SH   DFND   20,303 0 0
INTERACTIVE BROKERS GROUP COM 45841N107 316 4,900 SH   DFND   4,900 0 0
ISHARES CORE S&P MID-CAP ETF CORE S&P MCP ETF 464287507 266 1,365 SH   DFND   1,365 0 0
ISHARES CORE S&P SMALL-CAP ETF CORE S&P SCP ETF 464287804 566 6,785 SH   DFND   6,785 0 0
ISHARES BARCLAYS INTERMEDIATE CREDIT BOND FUND INTERM CR BD ETF 464288638 387 3,640 SH   DFND   3,640 0 0
ISHARES BARCLAYS 1-3 YEAR CREDIT BOND FUND 1 3 YR CR BD ETF 464288646 459 4,423 SH   DFND   4,423 0 0
ISHARES TR FLTG RATE NT ETF 46429B655 457 8,954 SH   DFND   8,954 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 945 14,910 SH   DFND   14,910 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 986 18,770 SH   DFND   18,770 0 0
J.P. MORGAN CHASE & CO COM 46625H100 11,940 114,591 SH   DFND   114,591 0 0
JOHNSON & JOHNSON COM 478160104 7,832 64,548 SH   DFND   64,548 0 0
KIMBERLY CLARK CORP COM 494368103 345 3,271 SH   DFND   3,271 0 0
LITHIA MOTORS INC CL A CL A 536797103 775 8,199 SH   DFND   8,199 0 0
LOWES COS INC COM 548661107 4,181 43,751 SH   DFND   43,751 0 0
MSC INDUSTRIAL DIRECT CO - A CL A 553530106 531 6,254 SH   DFND   6,254 0 0
MASTERCARD CL A 57636Q104 13,611 69,262 SH   DFND   69,262 0 0
MCDONALDS CORP COM 580135101 225 1,437 SH   DFND   1,437 0 0
MICROSOFT CORP COM 594918104 8,120 82,340 SH   DFND   82,340 0 0
NEW CORP NEW CLASS A CL A 65249B109 259 16,716 SH   DFND   16,716 0 0
ORACLE SYS CORP COM 68389X105 7,084 160,786 SH   DFND   160,786 0 0
PEPSICO INC COM 713448108 11,061 101,595 SH   DFND   101,595 0 0
PHILIP MORRIS INTL,INC COM 718172109 747 9,247 SH   DFND   9,247 0 0
RESTAURANT BRANDS INTL INC COM 76131D103 289 4,800 SH   DFND   4,800 0 0
ROYAL DUTCH SHELL PLC - ADR SPON ADR B 780259107 230 3,167 SH   DFND   3,167 0 0
SCHLUMBERGER COM 806857108 5,854 87,338 SH   DFND   87,338 0 0
SERITAGE GROWTH PROPERTIES CL A 81752R100 594 14,011 SH   DFND   14,011 0 0
SOUTHWEST AIRLS CO COM 844741108 814 16,000 SH   DFND   16,000 0 0
STARBUCKS CORP COM 855244109 3,070 62,846 SH   DFND   62,846 0 0
SYNCHRONY FINAN COM 87165B103 811 24,300 SH   DFND   24,300 0 0
TD AMERITRADE HOLDINGS COM 87236Y108 356 6,500 SH   DFND   6,500 0 0
TJX COS INC NEW COM 872540109 10,606 111,435 SH   DFND   111,435 0 0
TAPESTRY INC COM 876030107 218 4,661 SH   DFND   4,661 0 0
TWENTY-FIRST CENTURY FOX, INC. CL B 90130A200 776 15,750 SH   DFND   15,750 0 0
U S BANCORP COM NEW 902973304 7,141 142,771 SH   DFND   142,771 0 0
UNION PACIFIC CORP COM 907818108 502 3,542 SH   DFND   3,542 0 0
UNITED PARCEL SVC INC CL B CL B 911312106 583 5,491 SH   DFND   5,491 0 0
UNITED TECHNOLOGIES CORP COM 913017109 9,116 72,912 SH   DFND   72,912 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102 13,173 53,693 SH   DFND   53,693 0 0
VANGUARD FTSE PACIFIC ETF FTSE PACIFIC ETF 922042866 332 4,750 SH   DFND   4,750 0 0
VANGUARD FTSE EUROPE ETF FTSE EUROPE ETF 922042874 297 5,300 SH   DFND   5,300 0 0
ZIMMER HLDGS INC COM COM 98956P102 537 4,820 SH   DFND   4,820 0 0
ACCENTURE LTD SHS CLASS A G1151C101 12,411 75,865 SH   DFND   75,865 0 0
EATON CORP, PLC SHS G29183103 209 2,791 SH   DFND   2,791 0 0
MEDTRONIC PLC SHS G5960L103 8,918 104,172 SH   DFND   104,172 0 0