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 77 544 SH   SOLE   0 0 544
3M CO COM 88579Y101 110 775 SH   DFND 2 0 0 775
3M CO COM 88579Y101 282 1,987 SH   DFND 1 0 0 1,987
ABBOTT LABS COM 002824100 8 200 SH   SOLE   0 0 200
ABBOTT LABS COM 002824100 29 700 SH   DFND 2 0 0 700
ABBOTT LABS COM 002824100 266 6,393 SH   DFND 1 0 0 6,393
ABBVIE INC COM 00287Y109 12 200 SH   SOLE   0 0 200
ABBVIE INC COM 00287Y109 375 6,496 SH   DFND 1 0 0 6,496
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 34 417 SH   SOLE   0 0 417
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 84 1,031 SH   DFND 1 0 0 1,031
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 108 1,325 SH   DFND 2 0 0 1,325
ACTAVIS PLC SHS G0083B108 17 70 SH   SOLE   0 0 70
ACTAVIS PLC SHS G0083B108 257 1,067 SH   DFND 1 0 0 1,067
AIR PRODS & CHEMS INC COM 009158106 78 600 SH   DFND 2 0 0 600
AIR PRODS & CHEMS INC COM 009158106 234 1,795 SH   DFND 1 0 0 1,795
ALLEGHANY CORP DEL COM 017175100 20 48 SH   DFND 1 0 0 48
ALLEGHANY CORP DEL COM 017175100 249 595 SH   SOLE   0 0 595
ALTRIA GROUP INC COM 02209S103 261 5,687 SH   DFND 1 0 0 5,687
AMAZON COM INC COM 023135106 113 350 SH   SOLE   0 0 350
AMAZON COM INC COM 023135106 366 1,135 SH   DFND 1 0 0 1,135
AMERICAN EXPRESS CO COM 025816109 20 230 SH   SOLE   0 0 230
AMERICAN EXPRESS CO COM 025816109 63 725 SH   DFND 2 0 0 725
AMERICAN EXPRESS CO COM 025816109 314 3,594 SH   DFND 1 0 0 3,594
AMGEN INC COM 031162100 3 20 SH   SOLE   0 0 20
AMGEN INC COM 031162100 397 2,824 SH   DFND 1 0 0 2,824
ANALOG DEVICES INC COM 032654105 28 559 SH   DFND 1 0 0 559
ANALOG DEVICES INC COM 032654105 321 6,477 SH   SOLE   0 0 6,477
APPLE INC COM 037833100 123 1,225 SH   DFND 2 0 0 1,225
APPLE INC COM 037833100 1,679 16,667 SH   DFND 1 0 0 16,667
APPLE INC COM 037833100 5,969 59,240 SH   SOLE   0 0 59,240
ARCH COAL INC COM 039380100 25 11,978 SH   DFND 1 0 0 11,978
AT&T INC COM 00206R102 129 3,648 SH   SOLE   0 0 3,648
AT&T INC COM 00206R102 629 17,854 SH   DFND 1 0 0 17,854
AUTOMATIC DATA PROCESSING IN COM 053015103 62 850 SH   DFND 2 0 0 850
AUTOMATIC DATA PROCESSING IN COM 053015103 122 1,668 SH   DFND 1 0 0 1,668
AUTOMATIC DATA PROCESSING IN COM 053015103 425 5,834 SH   SOLE   0 0 5,834
BANK AMER CORP COM 060505104 19 1,099 SH   SOLE   0 0 1,099
BANK AMER CORP COM 060505104 495 29,055 SH   DFND 1 0 0 29,055
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,241 6 SH   SOLE   0 0 6
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 586 4,240 SH   DFND 1 0 0 4,240
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,772 12,825 SH   SOLE   0 0 12,825
BIOGEN IDEC INC COM 09062X103 104 315 SH   SOLE   0 0 315
BIOGEN IDEC INC COM 09062X103 325 983 SH   DFND 1 0 0 983
BOEING CO COM 097023105 39 310 SH   SOLE   0 0 310
BOEING CO COM 097023105 279 2,188 SH   DFND 1 0 0 2,188
BRISTOL MYERS SQUIBB CO COM 110122108 252 4,959 SH   DFND 1 0 0 4,959
BRISTOL MYERS SQUIBB CO COM 110122108 297 5,842 SH   SOLE   0 0 5,842
CATERPILLAR INC DEL COM 149123101 138 1,392 SH   DFND 1 0 0 1,392
CATERPILLAR INC DEL COM 149123101 332 3,351 SH   SOLE   0 0 3,351
CHEVRON CORP NEW COM 166764100 268 2,246 SH   SOLE   0 0 2,246
CHEVRON CORP NEW COM 166764100 712 5,967 SH   DFND 1 0 0 5,967
CISCO SYS INC COM 17275R102 69 2,750 SH   DFND 2 0 0 2,750
CISCO SYS INC COM 17275R102 126 5,007 SH   SOLE   0 0 5,007
CISCO SYS INC COM 17275R102 408 16,219 SH   DFND 1 0 0 16,219
CITIGROUP INC COM NEW 172967424 260 5,013 SH   SOLE   0 0 5,013
CITIGROUP INC COM NEW 172967424 386 7,451 SH   DFND 1 0 0 7,451
COCA COLA CO COM 191216100 380 8,899 SH   SOLE   0 0 8,899
COCA COLA CO COM 191216100 497 11,658 SH   DFND 1 0 0 11,658
COLGATE PALMOLIVE CO COM 194162103 84 1,290 SH   DFND 2 0 0 1,290
COLGATE PALMOLIVE CO COM 194162103 177 2,709 SH   DFND 1 0 0 2,709
COMCAST CORP NEW CL A 20030N101 19 352 SH   SOLE   0 0 352
COMCAST CORP NEW CL A 20030N101 371 6,895 SH   DFND 1 0 0 6,895
CONOCOPHILLIPS COM 20825C104 78 1,015 SH   SOLE   0 0 1,015
CONOCOPHILLIPS COM 20825C104 101 1,325 SH   DFND 2 0 0 1,325
CONOCOPHILLIPS COM 20825C104 263 3,442 SH   DFND 1 0 0 3,442
COSTCO WHSL CORP NEW COM 22160K105 61 485 SH   SOLE   0 0 485
COSTCO WHSL CORP NEW COM 22160K105 81 650 SH   DFND 2 0 0 650
COSTCO WHSL CORP NEW COM 22160K105 125 997 SH   DFND 1 0 0 997
CSX CORP COM 126408103 118 3,686 SH   DFND 1 0 0 3,686
CSX CORP COM 126408103 160 5,000 SH   SOLE   0 0 5,000
CVS HEALTH CORP COM 126650100 51 635 SH   SOLE   0 0 635
CVS HEALTH CORP COM 126650100 265 3,335 SH   DFND 1 0 0 3,335
DIRECTV COM 25490A309 0 4 SH   SOLE   0 0 4
DIRECTV COM 25490A309 32 375 SH   DFND 2 0 0 375
DIRECTV COM 25490A309 241 2,789 SH   DFND 1 0 0 2,789
DISNEY WALT CO COM DISNEY 254687106 279 3,134 SH   SOLE   0 0 3,134
DISNEY WALT CO COM DISNEY 254687106 509 5,713 SH   DFND 1 0 0 5,713
E M C CORP MASS COM 268648102 41 1,397 SH   SOLE   0 0 1,397
E M C CORP MASS COM 268648102 70 2,400 SH   DFND 2 0 0 2,400
E M C CORP MASS COM 268648102 234 8,000 SH   DFND 1 0 0 8,000
EMERSON ELEC CO COM 291011104 48 764 SH   SOLE   0 0 764
EMERSON ELEC CO COM 291011104 83 1,325 SH   DFND 2 0 0 1,325
EMERSON ELEC CO COM 291011104 180 2,882 SH   DFND 1 0 0 2,882
ENDOCYTE INC COM 29269A102 217 35,732 SH   SOLE   0 0 35,732
EXPRESS SCRIPTS HLDG CO COM 30219G108 62 875 SH   DFND 2 0 0 875
EXPRESS SCRIPTS HLDG CO COM 30219G108 132 1,873 SH   SOLE   0 0 1,873
EXPRESS SCRIPTS HLDG CO COM 30219G108 183 2,589 SH   DFND 1 0 0 2,589
EXXON MOBIL CORP COM 30231G102 336 3,576 SH   SOLE   0 0 3,576
EXXON MOBIL CORP COM 30231G102 1,421 15,114 SH   DFND 1 0 0 15,114
FACEBOOK INC CL A 30303M102 178 2,254 SH   SOLE   0 0 2,254
FACEBOOK INC CL A 30303M102 418 5,284 SH   DFND 1 0 0 5,284
FEDEX CORP COM 31428X106 247 1,532 SH   DFND 1 0 0 1,532
FEDEX CORP COM 31428X106 853 5,281 SH   SOLE   0 0 5,281
GENERAL ELECTRIC CO COM 369604103 662 25,827 SH   DFND 1 0 0 25,827
GENERAL ELECTRIC CO COM 369604103 678 26,479 SH   SOLE   0 0 26,479
GENERAL MLS INC COM 370334104 13 266 SH   SOLE   0 0 266
GENERAL MLS INC COM 370334104 47 925 SH   DFND 2 0 0 925
GENERAL MLS INC COM 370334104 208 4,127 SH   DFND 1 0 0 4,127
GILEAD SCIENCES INC COM 375558103 75 704 SH   SOLE   0 0 704
GILEAD SCIENCES INC COM 375558103 588 5,523 SH   DFND 1 0 0 5,523
GOLDMAN SACHS GROUP INC COM 38141G104 31 167 SH   SOLE   0 0 167
GOLDMAN SACHS GROUP INC COM 38141G104 220 1,198 SH   DFND 1 0 0 1,198
GOOGLE INC CL A 38259P508 35 60 SH   DFND 2 0 0 60
GOOGLE INC CL A 38259P508 372 633 SH   SOLE   0 0 633
GOOGLE INC CL A 38259P508 514 873 SH   DFND 1 0 0 873
GOOGLE INC CL C 38259P706 52 90 SH   DFND 2 0 0 90
GOOGLE INC CL C 38259P706 365 633 SH   SOLE   0 0 633
GOOGLE INC CL C 38259P706 505 874 SH   DFND 1 0 0 874
HEWLETT PACKARD CO COM 428236103 1 17 SH   SOLE   0 0 17
HEWLETT PACKARD CO COM 428236103 219 6,169 SH   DFND 1 0 0 6,169
HOME DEPOT INC COM 437076102 284 3,095 SH   SOLE   0 0 3,095
HOME DEPOT INC COM 437076102 412 4,486 SH   DFND 1 0 0 4,486
HONEYWELL INTL INC COM 438516106 32 342 SH   SOLE   0 0 342
HONEYWELL INTL INC COM 438516106 171 1,834 SH   DFND 1 0 0 1,834
ILLINOIS TOOL WKS INC COM 452308109 78 925 SH   DFND 2 0 0 925
ILLINOIS TOOL WKS INC COM 452308109 291 3,449 SH   DFND 1 0 0 3,449
ILLINOIS TOOL WKS INC COM 452308109 567 6,720 SH   SOLE   0 0 6,720
INTEL CORP COM 458140100 10 300 SH   DFND 2 0 0 300
INTEL CORP COM 458140100 430 12,340 SH   SOLE   0 0 12,340
INTEL CORP COM 458140100 721 20,696 SH   DFND 1 0 0 20,696
INTERNATIONAL BUSINESS MACHS COM 459200101 19 100 SH   DFND 2 0 0 100
INTERNATIONAL BUSINESS MACHS COM 459200101 302 1,590 SH   SOLE   0 0 1,590
INTERNATIONAL BUSINESS MACHS COM 459200101 805 4,240 SH   DFND 1 0 0 4,240
ISHARES MSCI PAC JP ETF 464286665 774 16,793 SH   SOLE   0 0 16,793
ISHARES INC CORE MSCI EMKT 46434G103 83,109 1,660,847 SH   SOLE   0 0 1,660,847
ISHARES TR CORE MSCI EAFE 46432F842 25,085 430,722 SH   SOLE   0 0 430,722
ISHARES TR CORE S&P MCP ETF 464287507 34,187 250,015 SH   SOLE   0 0 250,015
ISHARES TR CORE S&P SCP ETF 464287804 23,872 228,880 SH   SOLE   0 0 228,880
ISHARES TR CORE S&P TTL STK 464287150 1,247 13,900 SH   SOLE   0 0 13,900
ISHARES TR CORE S&P500 ETF 464287200 54,986 277,343 SH   SOLE   0 0 277,343
ISHARES TR MSCI EAFE ETF 464287465 47,743 744,583 SH   SOLE   0 0 744,583
ISHARES TR MSCI EMG MKT ETF 464287234 5,414 130,266 SH   SOLE   0 0 130,266
ISHARES TR RUS 1000 ETF 464287622 40,943 372,646 SH   SOLE   0 0 372,646
ISHARES TR RUS 1000 GRW ETF 464287614 2,469 26,949 SH   SOLE   0 0 26,949
ISHARES TR RUS 1000 VAL ETF 464287598 1,366 13,643 SH   SOLE   0 0 13,643
ISHARES TR RUS MDCP VAL ETF 464287473 351 5,013 SH   SOLE   0 0 5,013
ISHARES TR RUS MID-CAP ETF 464287499 1,710 10,800 SH   SOLE   0 0 10,800
ISHARES TR RUSSELL 2000 ETF 464287655 4,053 37,065 SH   SOLE   0 0 37,065
ISHARES TR RUSSELL 3000 ETF 464287689 10,612 90,860 SH   SOLE   0 0 90,860
ISHARES TR S&P 500 VAL ETF 464287408 813 9,021 SH   SOLE   0 0 9,021
ISHARES TR SP SMCP600GR ETF 464287887 588 5,222 SH   SOLE   0 0 5,222
ISHARES TR SP SMCP600VL ETF 464287879 3,256 30,347 SH   SOLE   0 0 30,347
JOHNSON & JOHNSON COM 478160104 109 1,025 SH   DFND 2 0 0 1,025
JOHNSON & JOHNSON COM 478160104 811 7,612 SH   SOLE   0 0 7,612
JOHNSON & JOHNSON COM 478160104 956 8,969 SH   DFND 1 0 0 8,969
JPMORGAN CHASE & CO COM 46625H100 99 1,650 SH   DFND 2 0 0 1,650
JPMORGAN CHASE & CO COM 46625H100 388 6,449 SH   SOLE   0 0 6,449
JPMORGAN CHASE & CO COM 46625H100 509 8,444 SH   DFND 1 0 0 8,444
MCDONALDS CORP COM 580135101 59 625 SH   DFND 2 0 0 625
MCDONALDS CORP COM 580135101 207 2,188 SH   SOLE   0 0 2,188
MCDONALDS CORP COM 580135101 296 3,117 SH   DFND 1 0 0 3,117
MERCK & CO INC NEW COM 58933Y105 110 1,850 SH   SOLE   0 0 1,850
MERCK & CO INC NEW COM 58933Y105 708 11,943 SH   DFND 1 0 0 11,943
MICROSOFT CORP COM 594918104 93 2,000 SH   DFND 2 0 0 2,000
MICROSOFT CORP COM 594918104 106 2,283 SH   SOLE   0 0 2,283
MICROSOFT CORP COM 594918104 967 20,851 SH   DFND 1 0 0 20,851
MORGAN STANLEY COM NEW 617446448 216 6,253 SH   DFND 1 0 0 6,253
NIKE INC CL B 654106103 11 123 SH   SOLE   0 0 123
NIKE INC CL B 654106103 147 1,650 SH   DFND 2 0 0 1,650
NIKE INC CL B 654106103 274 3,067 SH   DFND 1 0 0 3,067
NOVARTIS A G SPONSORED ADR 66987v109 10 111 SH   DFND 1 0 0 111
NOVARTIS A G SPONSORED ADR 66987v109 355 3,768 SH   SOLE   0 0 3,768
ORACLE CORP COM 68389X105 11 294 SH   SOLE   0 0 294
ORACLE CORP COM 68389X105 61 1,600 SH   DFND 2 0 0 1,600
ORACLE CORP COM 68389X105 437 11,428 SH   DFND 1 0 0 11,428
PEPSICO INC COM 713448108 112 1,200 SH   DFND 2 0 0 1,200
PEPSICO INC COM 713448108 186 1,996 SH   SOLE   0 0 1,996
PEPSICO INC COM 713448108 620 6,661 SH   DFND 1 0 0 6,661
PFIZER INC COM 717081103 389 13,146 SH   SOLE   0 0 13,146
PFIZER INC COM 717081103 626 21,185 SH   DFND 1 0 0 21,185
PHILIP MORRIS INTL INC COM 718172109 2 26 SH   SOLE   0 0 26
PHILIP MORRIS INTL INC COM 718172109 397 4,764 SH   DFND 1 0 0 4,764
PHILLIPS 66 COM 718546104 20 250 SH   DFND 2 0 0 250
PHILLIPS 66 COM 718546104 36 446 SH   SOLE   0 0 446
PHILLIPS 66 COM 718546104 154 1,890 SH   DFND 1 0 0 1,890
PNC FINL SVCS GROUP INC COM 693475105 81 950 SH   DFND 2 0 0 950
PNC FINL SVCS GROUP INC COM 693475105 107 1,255 SH   DFND 1 0 0 1,255
PNC FINL SVCS GROUP INC COM 693475105 604 7,062 SH   SOLE   0 0 7,062
POWERSHARES ETF TRUST INTL DIV ACHV 73935X716 991 53,522 SH   SOLE   0 0 53,522
POWERSHARES QQQ TRUST UNIT SER 1 73935a104 454 4,598 SH   SOLE   0 0 4,598
PROCTER & GAMBLE CO COM 742718109 98 1,175 SH   DFND 2 0 0 1,175
PROCTER & GAMBLE CO COM 742718109 151 1,798 SH   SOLE   0 0 1,798
PROCTER & GAMBLE CO COM 742718109 784 9,357 SH   DFND 1 0 0 9,357
QUALCOMM INC COM 747525103 41 545 SH   SOLE   0 0 545
QUALCOMM INC COM 747525103 73 975 SH   DFND 2 0 0 975
QUALCOMM INC COM 747525103 382 5,111 SH   DFND 1 0 0 5,111
SAPIENT CORP COM 803062108 1,278 91,300 SH   SOLE   0 0 91,300
SCHLUMBERGER LTD COM 806857108 24 239 SH   SOLE   0 0 239
SCHLUMBERGER LTD COM 806857108 445 4,380 SH   DFND 1 0 0 4,380
SELECT SECTOR SPDR TR TECHNOLOGY 81369y803 203 5,076 SH   SOLE   0 0 5,076
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109 255 1,500 SH   SOLE   0 0 1,500
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 4,272 130,697 SH   SOLE   0 0 130,697
SPDR S&P 500 ETF TR TR UNIT 78462F103 48,438 245,856 SH   SOLE   0 0 245,856
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 3,812 15,288 SH   SOLE   0 0 15,288
SPDR SERIES TRUST S&P DIVID ETF 78464A763 439 5,858 SH   SOLE   0 0 5,858
STANLEY BLACK & DECKER INC COM 854502101 56 634 SH   DFND 1 0 0 634
STANLEY BLACK & DECKER INC COM 854502101 763 8,592 SH   SOLE   0 0 8,592
STATE STR CORP COM 857477103 64 875 SH   DFND 2 0 0 875
STATE STR CORP COM 857477103 94 1,280 SH   SOLE   0 0 1,280
STATE STR CORP COM 857477103 107 1,456 SH   DFND 1 0 0 1,456
STERICYCLE INC COM 858912108 5 42 SH   DFND 1 0 0 42
STERICYCLE INC COM 858912108 396 3,400 SH   SOLE   0 0 3,400
STRYKER CORP COM 863667101 45 561 SH   DFND 1 0 0 561
STRYKER CORP COM 863667101 71 875 SH   DFND 2 0 0 875
STRYKER CORP COM 863667101 273 3,382 SH   SOLE   0 0 3,382
TARGET CORP COM 87612E106 101 1,614 SH   DFND 1 0 0 1,614
TARGET CORP COM 87612E106 200 3,194 SH   SOLE   0 0 3,194
TESLA MTRS INC COM 88160R101 89 365 SH   DFND 1 0 0 365
TESLA MTRS INC COM 88160R101 773 3,184 SH   SOLE   0 0 3,184
TEXAS INSTRS INC COM 882508104 125 2,623 SH   DFND 1 0 0 2,623
TEXAS INSTRS INC COM 882508104 494 10,359 SH   SOLE   0 0 10,359
TIME WARNER INC COM NEW 887317303 14 185 SH   SOLE   0 0 185
TIME WARNER INC COM NEW 887317303 252 3,352 SH   DFND 1 0 0 3,352
TORONTO DOMINION BK ONT COM NEW 891160509 495 10,115 SH   SOLE   0 0 10,115
TWENTY FIRST CENTY FOX INC CL A 90130A101 6 170 SH   SOLE   0 0 170
TWENTY FIRST CENTY FOX INC CL A 90130A101 242 7,049 SH   DFND 1 0 0 7,049
UNION PAC CORP COM 907818108 34 310 SH   SOLE   0 0 310
UNION PAC CORP COM 907818108 92 850 SH   DFND 2 0 0 850
UNION PAC CORP COM 907818108 383 3,530 SH   DFND 1 0 0 3,530
UNITED PARCEL SERVICE INC CL B 911312106 39 400 SH   DFND 2 0 0 400
UNITED PARCEL SERVICE INC CL B 911312106 170 1,733 SH   DFND 1 0 0 1,733
UNITED PARCEL SERVICE INC CL B 911312106 1,126 11,460 SH   SOLE   0 0 11,460
UNITED TECHNOLOGIES CORP COM 913017109 136 1,290 SH   SOLE   0 0 1,290
UNITED TECHNOLOGIES CORP COM 913017109 243 2,297 SH   DFND 1 0 0 2,297
UNITEDHEALTH GROUP INC COM 91324P102 42 490 SH   SOLE   0 0 490
UNITEDHEALTH GROUP INC COM 91324P102 217 2,514 SH   DFND 1 0 0 2,514
US BANCORP DEL COM NEW 902973304 66 1,575 SH   DFND 2 0 0 1,575
US BANCORP DEL COM NEW 902973304 113 2,708 SH   SOLE   0 0 2,708
US BANCORP DEL COM NEW 902973304 259 6,192 SH   DFND 1 0 0 6,192
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 3,308 39,580 SH   SOLE   0 0 39,580
VANGUARD INDEX FDS GROWTH ETF 922908736 433 4,340 SH   SOLE   0 0 4,340
VANGUARD INDEX FDS LARGE CAP ETF 922908637 40,391 446,509 SH   SOLE   0 0 446,509
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 319 3,310 SH   SOLE   0 0 3,310
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 911 10,729 SH   SOLE   0 0 10,729
VANGUARD INDEX FDS MID CAP ETF 922908629 10,046 85,639 SH   SOLE   0 0 85,639
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 272 1,504 SH   SOLE   0 0 1,504
VANGUARD INDEX FDS SM CP VAL ETF 922908611 771 7,734 SH   SOLE   0 0 7,734
VANGUARD INDEX FDS SMALL CP ETF 922908751 6,815 61,599 SH   SOLE   0 0 61,599
VANGUARD INDEX FDS SML CP GRW ETF 922908595 320 2,660 SH   SOLE   0 0 2,660
VANGUARD INDEX FDS TOTAL STK MKT 922908769 149,770 1,479,352 SH   SOLE   0 0 1,479,352
VANGUARD INDEX FDS VALUE ETF 922908744 3,179 39,147 SH   SOLE   0 0 39,147
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,175 145,718 SH   SOLE   0 0 145,718
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 30,413 729,165 SH   SOLE   0 0 729,165
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 30,791 557,601 SH   SOLE   0 0 557,601
VANGUARD INTL EQUITY INDEX F FTSE PACIFIC ETF 922042866 16,737 282,242 SH   SOLE   0 0 282,242
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 29,012 377,019 SH   SOLE   0 0 377,019
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 46,852 1,178,675 SH   SOLE   0 0 1,178,675
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 525 7,910 SH   SOLE   0 0 7,910
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 628 10,700 SH   SOLE   0 0 10,700
VANGUARD WORLD FD MEGA GRWTH IND 921910816 731 9,400 SH   SOLE   0 0 9,400
VERIZON COMMUNICATIONS INC COM 92343V104 65 1,295 SH   SOLE   0 0 1,295
VERIZON COMMUNICATIONS INC COM 92343V104 516 10,328 SH   DFND 1 0 0 10,328
VISA INC COM CL A 92826C839 27 125 SH   DFND 2 0 0 125
VISA INC COM CL A 92826C839 345 1,618 SH   DFND 1 0 0 1,618
WALGREEN CO COM 931422109 226 3,821 SH   SOLE   0 0 3,821
WALGREEN CO COM 931422109 254 4,280 SH   DFND 1 0 0 4,280
WAL-MART STORES INC COM 931142103 389 5,085 SH   DFND 1 0 0 5,085
WELLS FARGO & CO NEW COM 949746101 21 396 SH   SOLE   0 0 396
WELLS FARGO & CO NEW COM 949746101 902 17,394 SH   DFND 1 0 0 17,394