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
3M CO COM 88579Y101 91 650 SH   DFND 2 0 0 650
3M CO COM 88579Y101 163 1,161 SH   SOLE   0 0 1,161
3M CO COM 88579Y101 295 2,104 SH   DFND 1 0 0 2,104
ABBOTT LABS COM 002824100 8 200 SH   SOLE   0 0 200
ABBOTT LABS COM 002824100 251 6,542 SH   DFND 1 0 0 6,542
ABBVIE INC COM 00287Y109 11 200 SH   SOLE   0 0 200
ABBVIE INC COM 00287Y109 349 6,616 SH   DFND 1 0 0 6,616
AIR PRODS & CHEMS INC COM 009158106 3 30 SH   SOLE   0 0 30
AIR PRODS & CHEMS INC COM 009158106 75 675 SH   DFND 2 0 0 675
AIR PRODS & CHEMS INC COM 009158106 205 1,837 SH   DFND 1 0 0 1,837
ALKERMES PLC SHS g01767105 529 13,000 SH   SOLE   0 0 13,000
ALLEGHANY CORP DEL COM 017175100 17 43 SH   DFND 1 0 0 43
ALLEGHANY CORP DEL COM 017175100 238 595 SH   SOLE   0 0 595
ALTRIA GROUP INC COM 02209S103 4 105 SH   SOLE   0 0 105
ALTRIA GROUP INC COM 02209S103 212 5,526 SH   DFND 1 0 0 5,526
AMAZON COM INC COM 023135106 112 280 SH   SOLE   0 0 280
AMAZON COM INC COM 023135106 455 1,142 SH   DFND 1 0 0 1,142
AMERICAN EXPRESS CO COM 025816109 6 70 SH   SOLE   0 0 70
AMERICAN EXPRESS CO COM 025816109 66 725 SH   DFND 2 0 0 725
AMERICAN EXPRESS CO COM 025816109 332 3,660 SH   DFND 1 0 0 3,660
AMGEN INC COM 031162100 2 15 SH   SOLE   0 0 15
AMGEN INC COM 031162100 341 2,986 SH   DFND 1 0 0 2,986
ANALOG DEVICES INC COM 032654105 37 719 SH   DFND 1 0 0 719
ANALOG DEVICES INC COM 032654105 380 7,457 SH   SOLE   0 0 7,457
APPLE INC COM 037833100 98 175 SH   DFND 2 0 0 175
APPLE INC COM 037833100 1,357 2,419 SH   DFND 1 0 0 2,419
APPLE INC COM 037833100 2,231 3,976 SH   SOLE   0 0 3,976
AT&T INC COM 00206R102 101 2,884 SH   SOLE   0 0 2,884
AT&T INC COM 00206R102 632 17,976 SH   DFND 1 0 0 17,976
AUTOMATIC DATA PROCESSING IN COM 053015103 69 850 SH   DFND 2 0 0 850
AUTOMATIC DATA PROCESSING IN COM 053015103 162 2,007 SH   DFND 1 0 0 2,007
AUTOMATIC DATA PROCESSING IN COM 053015103 566 7,000 SH   SOLE   0 0 7,000
BANCO SANTANDER CHILE NEW SP ADR REP COM 05965X109 91 10,000 SH   SOLE   0 0 10,000
BANK OF AMERICA CORPORATION COM 060505104 31 2,014 SH   SOLE   0 0 2,014
BANK OF AMERICA CORPORATION COM 060505104 432 27,732 SH   DFND 1 0 0 27,732
BERKSHIRE HATHAWAY INC DEL CL A 084670108 27,219 153 SH   SOLE   0 0 153
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 504 4,250 SH   DFND 1 0 0 4,250
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,515 12,775 SH   SOLE   0 0 12,775
BIOGEN IDEC INC COM 09062X103 66 235 SH   SOLE   0 0 235
BIOGEN IDEC INC COM 09062X103 261 935 SH   DFND 1 0 0 935
BOEING CO COM 097023105 10 75 SH   SOLE   0 0 75
BOEING CO COM 097023105 282 2,064 SH   DFND 1 0 0 2,064
BRISTOL MYERS SQUIBB CO COM 110122108 281 5,282 SH   DFND 1 0 0 5,282
BRISTOL MYERS SQUIBB CO COM 110122108 315 5,922 SH   SOLE   0 0 5,922
CATERPILLAR INC DEL COM 149123101 111 1,219 SH   DFND 1 0 0 1,219
CATERPILLAR INC DEL COM 149123101 308 3,391 SH   SOLE   0 0 3,391
CHEVRON CORP NEW COM 166764100 288 2,305 SH   SOLE   0 0 2,305
CHEVRON CORP NEW COM 166764100 762 6,097 SH   DFND 1 0 0 6,097
CISCO SYS INC COM 17275R102 46 2,048 SH   SOLE   0 0 2,048
CISCO SYS INC COM 17275R102 62 2,750 SH   DFND 2 0 0 2,750
CISCO SYS INC COM 17275R102 384 17,141 SH   DFND 1 0 0 17,141
CITIGROUP INC COM NEW 172967424 274 5,262 SH   SOLE   0 0 5,262
CITIGROUP INC COM NEW 172967424 387 7,434 SH   DFND 1 0 0 7,434
COCA COLA CO COM 191216100 364 8,802 SH   SOLE   0 0 8,802
COCA COLA CO COM 191216100 495 11,989 SH   DFND 1 0 0 11,989
COLGATE PALMOLIVE CO COM 194162103 84 1,290 SH   DFND 2 0 0 1,290
COLGATE PALMOLIVE CO COM 194162103 186 2,855 SH   DFND 1 0 0 2,855
COMCAST CORP NEW CL A 20030N101 27 512 SH   SOLE   0 0 512
COMCAST CORP NEW CL A 20030N101 369 7,095 SH   DFND 1 0 0 7,095
CONOCOPHILLIPS COM 20825C104 44 620 SH   SOLE   0 0 620
CONOCOPHILLIPS COM 20825C104 94 1,325 SH   DFND 2 0 0 1,325
CONOCOPHILLIPS COM 20825C104 248 3,516 SH   DFND 1 0 0 3,516
COSTCO WHSL CORP NEW COM 22160K105 77 650 SH   DFND 2 0 0 650
COSTCO WHSL CORP NEW COM 22160K105 98 827 SH   SOLE   0 0 827
COSTCO WHSL CORP NEW COM 22160K105 115 967 SH   DFND 1 0 0 967
CSX CORP COM 126408103 114 3,966 SH   DFND 1 0 0 3,966
CSX CORP COM 126408103 144 5,000 SH   SOLE   0 0 5,000
CVS CAREMARK CORPORATION COM 126650100 45 635 SH   SOLE   0 0 635
CVS CAREMARK CORPORATION COM 126650100 241 3,365 SH   DFND 1 0 0 3,365
DIRECTV COM 25490A309 0 4 SH   SOLE   0 0 4
DIRECTV COM 25490A309 205 2,966 SH   DFND 1 0 0 2,966
DISNEY WALT CO COM DISNEY 254687106 239 3,130 SH   SOLE   0 0 3,130
DISNEY WALT CO COM DISNEY 254687106 468 6,123 SH   DFND 1 0 0 6,123
E M C CORP MASS COM 268648102 40 1,586 SH   SOLE   0 0 1,586
E M C CORP MASS COM 268648102 60 2,400 SH   DFND 2 0 0 2,400
E M C CORP MASS COM 268648102 212 8,415 SH   DFND 1 0 0 8,415
EBAY INC COM 278642103 5 90 SH   SOLE   0 0 90
EBAY INC COM 278642103 234 4,266 SH   DFND 1 0 0 4,266
EMERSON ELEC CO COM 291011104 93 1,325 SH   DFND 2 0 0 1,325
EMERSON ELEC CO COM 291011104 205 2,924 SH   DFND 1 0 0 2,924
ENDOCYTE INC COM 29269A102 382 35,732 SH   SOLE   0 0 35,732
EXPRESS SCRIPTS HLDG CO COM 30219G108 132 1,873 SH   SOLE   0 0 1,873
EXPRESS SCRIPTS HLDG CO COM 30219G108 181 2,583 SH   DFND 1 0 0 2,583
EXXON MOBIL CORP COM 30231G102 451 4,453 SH   SOLE   0 0 4,453
EXXON MOBIL CORP COM 30231G102 1,541 15,224 SH   DFND 1 0 0 15,224
FACEBOOK INC CL A 30303M102 98 1,802 SH   SOLE   0 0 1,802
FACEBOOK INC CL A 30303M102 161 2,940 SH   DFND 1 0 0 2,940
FEDEX CORP COM 31428X106 119 827 SH   DFND 1 0 0 827
FEDEX CORP COM 31428X106 331 2,301 SH   SOLE   0 0 2,301
GENERAL ELECTRIC CO COM 369604103 734 26,200 SH   DFND 1 0 0 26,200
GENERAL ELECTRIC CO COM 369604103 847 30,208 SH   SOLE   0 0 30,208
GENERAL MLS INC COM 370334104 2 50 SH   SOLE   0 0 50
GENERAL MLS INC COM 370334104 46 925 SH   DFND 2 0 0 925
GENERAL MLS INC COM 370334104 214 4,284 SH   DFND 1 0 0 4,284
GILEAD SCIENCES INC COM 375558103 6 80 SH   SOLE   0 0 80
GILEAD SCIENCES INC COM 375558103 428 5,695 SH   DFND 1 0 0 5,695
GOLDMAN SACHS GROUP INC COM 38141G104 36 202 SH   SOLE   0 0 202
GOLDMAN SACHS GROUP INC COM 38141G104 206 1,160 SH   DFND 1 0 0 1,160
GOOGLE INC CL A 38259P508 67 60 SH   DFND 2 0 0 60
GOOGLE INC CL A 38259P508 724 646 SH   SOLE   0 0 646
GOOGLE INC CL A 38259P508 1,005 897 SH   DFND 1 0 0 897
HOME DEPOT INC COM 437076102 258 3,131 SH   SOLE   0 0 3,131
HOME DEPOT INC COM 437076102 368 4,472 SH   DFND 1 0 0 4,472
ILLINOIS TOOL WKS INC COM 452308109 78 925 SH   DFND 2 0 0 925
ILLINOIS TOOL WKS INC COM 452308109 282 3,351 SH   DFND 1 0 0 3,351
ILLINOIS TOOL WKS INC COM 452308109 590 7,015 SH   SOLE   0 0 7,015
INTEL CORP COM 458140100 8 300 SH   DFND 2 0 0 300
INTEL CORP COM 458140100 300 11,570 SH   SOLE   0 0 11,570
INTEL CORP COM 458140100 555 21,394 SH   DFND 1 0 0 21,394
INTERNATIONAL BUSINESS MACHS COM 459200101 75 400 SH   DFND 2 0 0 400
INTERNATIONAL BUSINESS MACHS COM 459200101 333 1,773 SH   SOLE   0 0 1,773
INTERNATIONAL BUSINESS MACHS COM 459200101 869 4,635 SH   DFND 1 0 0 4,635
ISHARES CORE S&P MCP ETF 464287507 38,823 290,137 SH   SOLE   0 0 290,137
ISHARES CORE S&P SCP ETF 464287804 24,773 227,006 SH   SOLE   0 0 227,006
ISHARES CORE S&P TTL STK 464287150 2,506 29,625 SH   SOLE   0 0 29,625
ISHARES CORE S&P500 ETF 464287200 57,762 311,135 SH   SOLE   0 0 311,135
ISHARES MSCI EAFE ETF 464287465 55,602 828,698 SH   SOLE   0 0 828,698
ISHARES MSCI EMG MKT ETF 464287234 6,659 159,322 SH   SOLE   0 0 159,322
ISHARES MSCI KLD400 SOC 464288570 4,834 69,961 SH   SOLE   0 0 69,961
ISHARES MSCI PAC JP ETF 464286665 781 16,721 SH   SOLE   0 0 16,721
ISHARES RUS 1000 ETF 464287622 41,562 402,845 SH   SOLE   0 0 402,845
ISHARES RUS 1000 GRW ETF 464287614 1,999 23,262 SH   SOLE   0 0 23,262
ISHARES RUS 1000 VAL ETF 464287598 1,359 14,435 SH   SOLE   0 0 14,435
ISHARES RUS MDCP VAL ETF 464287473 329 5,013 SH   SOLE   0 0 5,013
ISHARES RUS MID-CAP ETF 464287499 1,305 8,698 SH   SOLE   0 0 8,698
ISHARES RUSSELL 2000 ETF 464287655 4,806 41,665 SH   SOLE   0 0 41,665
ISHARES RUSSELL 3000 ETF 464287689 10,822 97,803 SH   SOLE   0 0 97,803
ISHARES S&P 500 VAL ETF 464287408 771 9,021 SH   SOLE   0 0 9,021
ISHARES SP SMCP600GR ETF 464287887 619 5,222 SH   SOLE   0 0 5,222
ISHARES SP SMCP600VL ETF 464287879 3,906 35,109 SH   SOLE   0 0 35,109
ISHARES INC CORE MSCI EMKT 46434G103 61,617 1,237,041 SH   SOLE   0 0 1,237,041
ISHARES TR CORE MSCI EAFE 46432F842 10,154 167,091 SH   SOLE   0 0 167,091
JOHNSON & JOHNSON COM 478160104 89 975 SH   DFND 2 0 0 975
JOHNSON & JOHNSON COM 478160104 697 7,609 SH   SOLE   0 0 7,609
JOHNSON & JOHNSON COM 478160104 826 9,015 SH   DFND 1 0 0 9,015
JPMORGAN CHASE & CO COM 46625H100 91 1,550 SH   DFND 2 0 0 1,550
JPMORGAN CHASE & CO COM 46625H100 382 6,524 SH   SOLE   0 0 6,524
JPMORGAN CHASE & CO COM 46625H100 497 8,491 SH   DFND 1 0 0 8,491
MCDONALDS CORP COM 580135101 61 625 SH   DFND 2 0 0 625
MCDONALDS CORP COM 580135101 212 2,182 SH   SOLE   0 0 2,182
MCDONALDS CORP COM 580135101 332 3,422 SH   DFND 1 0 0 3,422
MERCK & CO INC NEW COM 58933Y105 55 1,090 SH   SOLE   0 0 1,090
MERCK & CO INC NEW COM 58933Y105 618 12,347 SH   DFND 1 0 0 12,347
MICROSOFT CORP COM 594918104 75 2,000 SH   DFND 2 0 0 2,000
MICROSOFT CORP COM 594918104 211 5,627 SH   SOLE   0 0 5,627
MICROSOFT CORP COM 594918104 750 20,040 SH   DFND 1 0 0 20,040
NIKE INC CL B 654106103 12 150 SH   SOLE   0 0 150
NIKE INC CL B 654106103 130 1,650 SH   DFND 2 0 0 1,650
NIKE INC CL B 654106103 247 3,147 SH   DFND 1 0 0 3,147
NOVARTIS A G SPONSORED ADR 66987v109 3 43 SH   DFND 1 0 0 43
NOVARTIS A G SPONSORED ADR 66987v109 290 3,607 SH   SOLE   0 0 3,607
OCCIDENTAL PETE CORP DEL COM 674599105 11 120 SH   SOLE   0 0 120
OCCIDENTAL PETE CORP DEL COM 674599105 189 1,988 SH   DFND 1 0 0 1,988
ONEOK INC NEW COM 682680103 4 71 SH   DFND 1 0 0 71
ONEOK INC NEW COM 682680103 584 9,390 SH   SOLE   0 0 9,390
ORACLE CORP COM 68389X105 19 490 SH   SOLE   0 0 490
ORACLE CORP COM 68389X105 61 1,600 SH   DFND 2 0 0 1,600
ORACLE CORP COM 68389X105 391 10,212 SH   DFND 1 0 0 10,212
PEPSICO INC COM 713448108 100 1,200 SH   DFND 2 0 0 1,200
PEPSICO INC COM 713448108 171 2,061 SH   SOLE   0 0 2,061
PEPSICO INC COM 713448108 572 6,899 SH   DFND 1 0 0 6,899
PFIZER INC COM 717081103 421 13,731 SH   SOLE   0 0 13,731
PFIZER INC COM 717081103 663 21,633 SH   DFND 1 0 0 21,633
PHILIP MORRIS INTL INC COM 718172109 13 145 SH   SOLE   0 0 145
PHILIP MORRIS INTL INC COM 718172109 445 5,102 SH   DFND 1 0 0 5,102
PHILLIPS 66 COM 718546104 19 250 SH   DFND 2 0 0 250
PHILLIPS 66 COM 718546104 35 454 SH   SOLE   0 0 454
PHILLIPS 66 COM 718546104 156 2,017 SH   DFND 1 0 0 2,017
POWERSHARES ETF TRUST INTL DIV ACHV 73935X716 1,022 55,480 SH   SOLE   0 0 55,480
POWERSHARES QQQ TRUST UNIT SER 1 73935a104 411 4,678 SH   SOLE   0 0 4,678
PROCTER & GAMBLE CO COM 742718109 96 1,175 SH   DFND 2 0 0 1,175
PROCTER & GAMBLE CO COM 742718109 199 2,447 SH   SOLE   0 0 2,447
PROCTER & GAMBLE CO COM 742718109 817 10,031 SH   DFND 1 0 0 10,031
QUALCOMM INC COM 747525103 26 345 SH   SOLE   0 0 345
QUALCOMM INC COM 747525103 72 975 SH   DFND 2 0 0 975
QUALCOMM INC COM 747525103 396 5,332 SH   DFND 1 0 0 5,332
ROCK-TENN CO CL A 772739207 41 390 SH   DFND 1 0 0 390
ROCK-TENN CO CL A 772739207 5,439 51,795 SH   SOLE   0 0 51,795
SAPIENT CORP COM 803062108 1,585 91,300 SH   SOLE   0 0 91,300
SCHLUMBERGER LTD COM 806857108 13 140 SH   SOLE   0 0 140
SCHLUMBERGER LTD COM 806857108 382 4,242 SH   DFND 1 0 0 4,242
SIRIUS XM HLDGS INC COM 82968B103 17 4,820 SH   DFND 1 0 0 4,820
SIRIUS XM HLDGS INC COM 82968B103 18 5,200 SH   SOLE   0 0 5,200
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 248 1,500 SH   SOLE   0 0 1,500
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 6,027 179,527 SH   SOLE   0 0 179,527
SPDR S&P 500 ETF TR TR UNIT 78462F103 48,029 260,051 SH   SOLE   0 0 260,051
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 4,225 17,303 SH   SOLE   0 0 17,303
SPDR SERIES TRUST S&P DIVID ETF 78464A763 536 7,378 SH   SOLE   0 0 7,378
STANLEY BLACK & DECKER INC COM 854502101 51 627 SH   DFND 1 0 0 627
STANLEY BLACK & DECKER INC COM 854502101 693 8,592 SH   SOLE   0 0 8,592
STATE STR CORP COM 857477103 55 750 SH   DFND 2 0 0 750
STATE STR CORP COM 857477103 94 1,280 SH   SOLE   0 0 1,280
STATE STR CORP COM 857477103 115 1,572 SH   DFND 1 0 0 1,572
STERICYCLE INC COM 858912108 7 57 SH   DFND 1 0 0 57
STERICYCLE INC COM 858912108 418 3,600 SH   SOLE   0 0 3,600
STRYKER CORP COM 863667101 44 586 SH   DFND 1 0 0 586
STRYKER CORP COM 863667101 66 875 SH   DFND 2 0 0 875
STRYKER CORP COM 863667101 293 3,902 SH   SOLE   0 0 3,902
TARGET CORP COM 87612E106 32 500 SH   DFND 2 0 0 500
TARGET CORP COM 87612E106 110 1,732 SH   DFND 1 0 0 1,732
TARGET CORP COM 87612E106 202 3,194 SH   SOLE   0 0 3,194
TEXAS INSTRS INC COM 882508104 122 2,774 SH   DFND 1 0 0 2,774
TEXAS INSTRS INC COM 882508104 486 11,059 SH   SOLE   0 0 11,059
TIME WARNER CABLE INC COM 88732J207 27 200 SH   SOLE   0 0 200
TIME WARNER CABLE INC COM 88732J207 108 795 SH   DFND 1 0 0 795
TIME WARNER CABLE INC COM 88732J207 117 866 SH   DFND 2 0 0 866
TIME WARNER INC COM NEW 887317303 7 95 SH   SOLE   0 0 95
TIME WARNER INC COM NEW 887317303 234 3,356 SH   DFND 1 0 0 3,356
TORONTO DOMINION BK ONT COM NEW 891160509 428 4,540 SH   SOLE   0 0 4,540
TRIPADVISOR INC COM 896945201 18 212 SH   DFND 1 0 0 212
TRIPADVISOR INC COM 896945201 497 6,000 SH   SOLE   0 0 6,000
TWENTY FIRST CENTY FOX INC CL A 90130A101 252 7,179 SH   DFND 1 0 0 7,179
UNION PAC CORP COM 907818108 10 60 SH   SOLE   0 0 60
UNION PAC CORP COM 907818108 55 325 SH   DFND 2 0 0 325
UNION PAC CORP COM 907818108 282 1,681 SH   DFND 1 0 0 1,681
UNITED PARCEL SERVICE INC CL B 911312106 42 400 SH   DFND 2 0 0 400
UNITED PARCEL SERVICE INC CL B 911312106 193 1,841 SH   DFND 1 0 0 1,841
UNITED PARCEL SERVICE INC CL B 911312106 1,248 11,880 SH   SOLE   0 0 11,880
UNITED TECHNOLOGIES CORP COM 913017109 267 2,345 SH   DFND 1 0 0 2,345
UNITED TECHNOLOGIES CORP COM 913017109 287 2,520 SH   SOLE   0 0 2,520
US BANCORP DEL COM NEW 902973304 56 1,375 SH   DFND 2 0 0 1,375
US BANCORP DEL COM NEW 902973304 101 2,500 SH   SOLE   0 0 2,500
US BANCORP DEL COM NEW 902973304 265 6,570 SH   DFND 1 0 0 6,570
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 3,395 41,050 SH   SOLE   0 0 41,050
VANGUARD INDEX FDS GROWTH ETF 922908736 404 4,340 SH   SOLE   0 0 4,340
VANGUARD INDEX FDS LARGE CAP ETF 922908637 49,569 584,540 SH   SOLE   0 0 584,540
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 299 3,310 SH   SOLE   0 0 3,310
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,089 13,645 SH   SOLE   0 0 13,645
VANGUARD INDEX FDS MID CAP ETF 922908629 16,143 146,727 SH   SOLE   0 0 146,727
VANGUARD INDEX FDS SM CP VAL ETF 922908611 1,091 11,204 SH   SOLE   0 0 11,204
VANGUARD INDEX FDS SMALL CP ETF 922908751 10,042 91,328 SH   SOLE   0 0 91,328
VANGUARD INDEX FDS SML CP GRW ETF 922908595 325 2,660 SH   SOLE   0 0 2,660
VANGUARD INDEX FDS TOTAL STK MKT 922908769 121,093 1,262,436 SH   SOLE   0 0 1,262,436
VANGUARD INDEX FDS VALUE ETF 922908744 2,990 39,147 SH   SOLE   0 0 39,147
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 13,861 273,224 SH   SOLE   0 0 273,224
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 49,113 1,193,810 SH   SOLE   0 0 1,193,810
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 33,412 568,237 SH   SOLE   0 0 568,237
VANGUARD INTL EQUITY INDEX F MEGA CAP GRO ETF 922042866 18,905 308,402 SH   SOLE   0 0 308,402
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 38,085 506,181 SH   SOLE   0 0 506,181
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 48,965 1,174,783 SH   SOLE   0 0 1,174,783
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 716 11,482 SH   SOLE   0 0 11,482
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 402 7,300 SH   SOLE   0 0 7,300
VANGUARD WORLD FD MEGA GRWTH IND 921910816 658 9,080 SH   SOLE   0 0 9,080
VERIZON COMMUNICATIONS INC COM 92343V104 30 620 SH   SOLE   0 0 620
VERIZON COMMUNICATIONS INC COM 92343V104 330 6,715 SH   DFND 1 0 0 6,715
VISA INC COM CL A 92826C839 8 35 SH   SOLE   0 0 35
VISA INC COM CL A 92826C839 348 1,562 SH   DFND 1 0 0 1,562
WALGREEN CO COM 931422109 215 3,750 SH   SOLE   0 0 3,750
WALGREEN CO COM 931422109 240 4,177 SH   DFND 1 0 0 4,177
WAL-MART STORES INC COM 931142103 7 90 SH   SOLE   0 0 90
WAL-MART STORES INC COM 931142103 409 5,197 SH   DFND 1 0 0 5,197
WELLS FARGO & CO NEW COM 949746101 12 275 SH   SOLE   0 0 275
WELLS FARGO & CO NEW COM 949746101 783 17,252 SH   DFND 1 0 0 17,252
WILLIAMS COS INC DEL COM 969457100 70 1,820 SH   DFND 1 0 0 1,820
WILLIAMS COS INC DEL COM 969457100 412 10,680 SH   SOLE   0 0 10,680
WISDOMTREE TR EMERG MKTS ETF 97717W315 521 10,200 SH   SOLE   0 0 10,200