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
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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
3M Company COM 88579Y101 417 2,408 SH   SOLE   0 0 2,408
Abbott Labs COM 002824100 557 6,621 SH   SOLE   0 0 6,621
AbbVie Inc COM 00287Y109 266 3,656 SH   SOLE   0 0 3,656
Alerian MLP ETF ADR 00162Q866 307 31,164 SH   SOLE   0 0 31,164
Alibaba Group Hldg Adr ADR 01609W102 1,404 8,286 SH   SOLE   0 0 8,286
Alphabet Inc. Cl A COM 02079K305 3,540,673 3,269 SH   SOLE   0 0 3,269
Alphabet Inc. Cl C COM 02079K107 1,394 1,290 SH   SOLE   0 0 1,290
Altaba Incorporated COM 021346101 265 3,814 SH   SOLE   0 0 3,814
Altria Group Inc COM 02209s103 273 5,776 SH   SOLE   0 0 5,776
Amazon.com COM 023135106 1,240 655 SH   SOLE   0 0 655
American Tower Corp COM 03027x100 333 1,630 SH   SOLE   0 0 1,630
Amgen Inc COM 031162100 1,975 10,716 SH   SOLE   0 0 10,716
AON Corp COM G0408V102 409 2,117 SH   SOLE   0 0 2,117
Apple Inc COM 037833100 4,467 22,569 SH   SOLE   0 0 22,569
Applied Materials COM 038222105 324 7,210 SH   SOLE   0 0 7,210
AT&T Corp COM 00206r102 885 26,408 SH   SOLE   0 0 26,408
Automatic Data Processing COM 053015103 867 5,245 SH   SOLE   0 0 5,245
Bank Of America COM 060505104 1,776 61,256 SH   SOLE   0 0 61,256
BB&T Corporation COM 054937107 1,300 26,459 SH   SOLE   0 0 26,459
Becton Dickinson COM 075887109 311 1,235 SH   SOLE   0 0 1,235
Berkshire Hathaway B ADR 084670702 1,758 8,248 SH   SOLE   0 0 8,248
Blackstone Group Lp COM 09253U108 226 5,085 SH   SOLE   0 0 5,085
Boeing Co COM 097023105 238 653 SH   SOLE   0 0 653
Bristol Myers Squibb COM 110122108 1,139 25,118 SH   SOLE   0 0 25,118
Capital One Financial COM 14040H105 1,096 12,080 SH   SOLE   0 0 12,080
Caterpillar COM 149123101 206 1,510 SH   SOLE   0 0 1,510
Chase Corp COM 16150r104 510 4,740 SH   SOLE   0 0 4,740
ChevronTexaco Corp COM 166764100 1,597 12,833 SH   SOLE   0 0 12,833
Cisco Systems COM 17275R102 2,884 52,698 SH   SOLE   0 0 52,698
Citigroup Inc COM 172967424 755 10,780 SH   SOLE   0 0 10,780
Coca Cola COM 191216100 576 11,303 SH   SOLE   0 0 11,303
Cognizant Tech. Solutions COM 192446102 270 4,256 SH   SOLE   0 0 4,256
Conoco Phillips COM 20825c104 250 4,094 SH   SOLE   0 0 4,094
CVS Health Corporation COM 126650100 1,380 25,331 SH   SOLE   0 0 25,331
Danaher Corp COM 235851102 991 6,934 SH   SOLE   0 0 6,934
Diageo Plc COM 25243q205 301 1,746 SH   SOLE   0 0 1,746
Disney Walt Co COM 254687106 2,403 17,210 SH   SOLE   0 0 17,210
Dominion Res Inc Va COM 25746u109 511 6,615 SH   SOLE   0 0 6,615
Dow Chemical COM 260557103 301 6,110 SH   SOLE   0 0 6,110
Du Pont E I De Nemours COM 26614N102 459 6,113 SH   SOLE   0 0 6,113
Emerson Electric COM 291011104 862 12,919 SH   SOLE   0 0 12,919
ETFS Phys. Swiss Gold Shares ETF 00326A104 1,054 7,750 SH   SOLE   0 0 7,750
Exxon-Mobil COM 30231G102 1,615 21,069 SH   SOLE   0 0 21,069
Facebook Inc Class A COM 30303M102 913 4,729 SH   SOLE   0 0 4,729
First Trust Preferred Sec & In PFD 33739E108 5,481 282,667 SH   SOLE   0 0 282,667
Fiserv Inc. COM 337738108 790 8,670 SH   SOLE   0 0 8,670
General Electric COM 369604103 348 33,100 SH   SOLE   0 0 33,100
Gldmn Sachs ActiveBeta Emrg Mk ETF 381430206 286 8,711 SH   SOLE   0 0 8,711
Global Payments Inc. COM 37940X102 862 5,382 SH   SOLE   0 0 5,382
H S B C Hldgs 6.2 Pfd PFD 404280604 479 18,300 SH   SOLE   0 0 18,300
Harris Corp COM 413875105 1,681 8,888 SH   SOLE   0 0 8,888
Hartford MultiFactor Developed ETF 518416102 1,200 42,606 SH   SOLE   0 0 42,606
Home Depot COM 437076102 793 3,813 SH   SOLE   0 0 3,813
Illinois Tool Works COM 452308109 602 3,990 SH   SOLE   0 0 3,990
Intel Corp COM 458140100 3,504 73,192 SH   SOLE   0 0 73,192
International Business Machine COM 459200101 645 4,677 SH   SOLE   0 0 4,677
Invesco Biotech & Genomics ETF ETF 46137V787 822 15,365 SH   SOLE   0 0 15,365
Invesco Financial Pfd ETF 46137v621 289 15,675 SH   SOLE   0 0 15,675
Invesco Preferred ETF 46138E511 289 19,770 SH   SOLE   0 0 19,770
Invesco S&P 500 Eq. Wgt. ETF 46137V357 499 4,629 SH   SOLE   0 0 4,629
Invesco S&P 500 Low Volatility ETF 46138E354 288 5,237 SH   SOLE   0 0 5,237
iShares Barclays 7-10 Yr Govt. ETF 464287440 272 2,468 SH   SOLE   0 0 2,468
iShares Core Total U S ETF 464287226 415 3,727 SH   SOLE   0 0 3,727
iShares Floating Rate Bond ETF ETF 46429B655 456 8,951 SH   SOLE   0 0 8,951
iShares Inv. Grade Corp. Bd. ETF 464287242 348 2,795 SH   SOLE   0 0 2,795
iShares MBS ETF ETF 464288588 446 4,145 SH   SOLE   0 0 4,145
iShares S&P 500 Barra Gr. Fd. ETF 464287309 620 3,460 SH   SOLE   0 0 3,460
iShares S&P 500 Value ETF 464287408 534 4,579 SH   SOLE   0 0 4,579
iShares S&P Midcap 400 Index ETF 464287507 3,323 17,104 SH   SOLE   0 0 17,104
iShares S&P Smallcap 600 Index ETF 464287804 2,930 37,428 SH   SOLE   0 0 37,428
iShares Sht-Term National Muni ETF 464288158 280 2,632 SH   SOLE   0 0 2,632
J P Morgan Chase & Co COM 46625h100 2,735 24,462 SH   SOLE   0 0 24,462
Jazz Pharma COM G50871105 252 1,765 SH   SOLE   0 0 1,765
Johnson & Johnson COM 478160104 4,627 33,221 SH   SOLE   0 0 33,221
Lockheed Martin Corp COM 539830109 419 1,153 SH   SOLE   0 0 1,153
Lowes Companies COM 548661107 1,820 18,033 SH   SOLE   0 0 18,033
Mastercard Inc COM 57636Q104 606 2,289 SH   SOLE   0 0 2,289
McDonalds Corp COM 580135101 1,414 6,811 SH   SOLE   0 0 6,811
Medtronic plc COM G5960L103 2,433 24,984 SH   SOLE   0 0 24,984
Merck & Co Inc COM 58933y105 4,713 56,212 SH   SOLE   0 0 56,212
Microsoft Corp COM 594918104 5,426 40,506 SH   SOLE   0 0 40,506
Mondelez Intl Inc Cl A COM 609207105 386 7,166 SH   SOLE   0 0 7,166
NextEra Energy Inc. COM 65339f101 293 1,431 SH   SOLE   0 0 1,431
Nike Inc Class B COM 654106103 528 6,295 SH   SOLE   0 0 6,295
Novartis A G ADR 66987V109 368 4,027 SH   SOLE   0 0 4,027
Nuveen Inter Dur Qlty Muni ETF 670677103 293 21,999 SH   SOLE   0 0 21,999
Nvidia Corp COM 67066G104 326 1,985 SH   SOLE   0 0 1,985
Oracle Systems COM 68389x105 593 10,402 SH   SOLE   0 0 10,402
Palo Alto Networks Inc COM 697435105 513 2,517 SH   SOLE   0 0 2,517
Paypal Holdings Inc. COM 70450Y103 812 7,097 SH   SOLE   0 0 7,097
Pepsico COM 713448108 2,444 18,641 SH   SOLE   0 0 18,641
Pfizer Inc COM 717081103 1,810 41,780 SH   SOLE   0 0 41,780
Philip Morris Intl Inc COM 718172109 354 4,510 SH   SOLE   0 0 4,510
Phillips 66 COM 718546104 202 2,157 SH   SOLE   0 0 2,157
Pimco Intermediate Muni ETF ETF 72201R866 927 16,894 SH   SOLE   0 0 16,894
PPG Inds Inc COM 693506107 266 2,276 SH   SOLE   0 0 2,276
Procter & Gamble Inc COM 742718109 2,520 22,987 SH   SOLE   0 0 22,987
Prudential Financial Inc ETF 744320102 590 5,838 SH   SOLE   0 0 5,838
Quanta Services Inc COM 74762E106 1,078 28,225 SH   SOLE   0 0 28,225
Raytheon Corp Cl B COM 755111507 1,105 6,356 SH   SOLE   0 0 6,356
Roper Technologies Inc COM 776696106 898 2,452 SH   SOLE   0 0 2,452
Royal Dutch Shell B Adr ADR 780259107 1,383 21,041 SH   SOLE   0 0 21,041
S&P 400 Mid-Cap SPDR ETF 78467Y107 506 1,427 SH   SOLE   0 0 1,427
Salesforce Com COM 79466L302 601 3,962 SH   SOLE   0 0 3,962
Sch Fundamental Intl Lg Co ETF ETF 808524755 392 14,062 SH   SOLE   0 0 14,062
Sch Fundamental Intl Sm ETF ETF 808524748 216 6,908 SH   SOLE   0 0 6,908
Sch Fundamental US Large Co ET ETF 808524771 237 6,066 SH   SOLE   0 0 6,066
Schwab Dow Jones US Broad Mkt ETF 808524102 451 6,391 SH   SOLE   0 0 6,391
Schwab Dow Jones US Div Eq ETF ETF 808524797 10,930 205,961 SH   SOLE   0 0 205,961
Schwab Dow Jones US Large Cap ETF 808524201 8,558 121,926 SH   SOLE   0 0 121,926
Schwab Dow Jones US Large Grow ETF 808524300 7,649 91,925 SH   SOLE   0 0 91,925
Schwab Dow Jones US Large Valu ETF 808524409 8,105 144,368 SH   SOLE   0 0 144,368
Schwab Dow Jones US Mid-Cap ET ETF 808524508 5,834 102,196 SH   SOLE   0 0 102,196
Schwab Dow Jones US REIT ETF 808524847 281 6,326 SH   SOLE   0 0 6,326
Schwab Dow Jones US Sm-Cap ETF ETF 808524607 6,565 91,850 SH   SOLE   0 0 91,850
Schwab FTSE Developed ex-US ET ETF 808524805 4,387 136,714 SH   SOLE   0 0 136,714
Schwab FTSE Emerging Mkt ETF ETF 808524706 265 10,117 SH   SOLE   0 0 10,117
Schwab FTSE Intl Small-Cap Equ ETF 808524888 1,389 42,563 SH   SOLE   0 0 42,563
Schwab US AGG Bnd ETF ETF 808524839 9,460 178,497 SH   SOLE   0 0 178,497
Schwab US TIPS ETF ETF 808524870 230 4,092 SH   SOLE   0 0 4,092
SPDR Blmbrg Brcly 1-10 Yr TIP ETF 78468R861 718 36,652 SH   SOLE   0 0 36,652
SPDR Gold Shares ETF 78463V107 1,029 7,722 SH   SOLE   0 0 7,722
SPDR MSCI Acwi Ex-US ETF 78463X848 1,253 34,179 SH   SOLE   0 0 34,179
SPDR S&P 500 ETF 78462F103 1,259 4,298 SH   SOLE   0 0 4,298
SPDR S&P Biotech ETF ETF 78464A870 771 8,790 SH   SOLE   0 0 8,790
SPDR S&P Dividend ETF ETF 78464A763 3,528 34,974 SH   SOLE   0 0 34,974
SPDR Technology Select Sector ETF 81369Y803 408 5,234 SH   SOLE   0 0 5,234
Stanley Works COM 854502101 667 4,612 SH   SOLE   0 0 4,612
State Street Boston Corp COM 857477103 423 7,550 SH   SOLE   0 0 7,550
Sysco Inc COM 871829107 236 3,337 SH   SOLE   0 0 3,337
TE Connectivity Ltd COM H84989104 221 2,306 SH   SOLE   0 0 2,306
Thermo Fisher Scientific COM 883556102 842 2,866 SH   SOLE   0 0 2,866
TJX Cos Inc COM 872540109 611 11,555 SH   SOLE   0 0 11,555
Toronto Dominion Bank COM 891160509 279 4,785 SH   SOLE   0 0 4,785
Travelers Inc COM 89417E109 467 3,125 SH   SOLE   0 0 3,125
Tyson Foods Inc COM 902494103 689 8,533 SH   SOLE   0 0 8,533
U S Bancorp COM 902973304 929 17,721 SH   SOLE   0 0 17,721
Unilever Nv Adr- Netherlands ADR 904767704 285 4,690 SH   SOLE   0 0 4,690
Union Pacific Corp COM 907818108 1,594 9,425 SH   SOLE   0 0 9,425
United Technologies CP COM 913017109 1,095 8,409 SH   SOLE   0 0 8,409
Unum Corp COM 91529Y106 229 6,826 SH   SOLE   0 0 6,826
Valero Energy Corp. COM 91913Y100 750 8,762 SH   SOLE   0 0 8,762
Vanguard Consumer Staples ETF ETF 92204A207 955 6,421 SH   SOLE   0 0 6,421
Vanguard Div Appreciation ETF 921908844 548 4,755 SH   SOLE   0 0 4,755
Vanguard Emerging Mkt Fd ETF 922042858 232 5,445 SH   SOLE   0 0 5,445
Vanguard FTSE All-World ex-USA ETF 922042775 2,312 45,340 SH   SOLE   0 0 45,340
Vanguard Growth ETF ETF 922908736 1,650 10,102 SH   SOLE   0 0 10,102
Vanguard Int'l REIT ETF 922042676 254 4,307 SH   SOLE   0 0 4,307
Vanguard Mid-Cap ETF ETF 922908629 358 2,144 SH   SOLE   0 0 2,144
Vanguard REIT ETF 922908553 2,129 24,361 SH   SOLE   0 0 24,361
Vanguard S&P 500 Etf ETF 922908363 848 3,149 SH   SOLE   0 0 3,149
Vanguard Short-Term Bond ETF ETF 921937827 446 5,540 SH   SOLE   0 0 5,540
Vanguard Short-Term Corp Bond ETF 92206C409 371 4,595 SH   SOLE   0 0 4,595
Vanguard Sht-Term Infl Prot Se ETF 922020805 306 6,212 SH   SOLE   0 0 6,212
Vanguard Small Cap ETF 922908751 341 2,175 SH   SOLE   0 0 2,175
Vanguard Small-Cap Value ETF ETF 922908611 1,426 10,925 SH   SOLE   0 0 10,925
Vanguard Value ETF ETF 922908744 1,921 17,315 SH   SOLE   0 0 17,315
Verizon Communications COM 92343V104 2,425 42,438 SH   SOLE   0 0 42,438
Visa Inc. COM 92826C839 1,267 7,298 SH   SOLE   0 0 7,298
Wal-Mart Stores COM 931142103 272 2,459 SH   SOLE   0 0 2,459
Wells Fargo & Co 7.50 Pfd PFD 949746804 304 223 SH   SOLE   0 0 223
Wells Fargo & Company COM 949746101 705 14,889 SH   SOLE   0 0 14,889
Western Asset Muni Hi Income ETF 95766N103 320 42,305 SH   SOLE   0 0 42,305
Weyerhaeuser Co COM 962166104 486 18,443 SH   SOLE   0 0 18,443
Zynex Inc COM 98986M103 360 40,000 SH   SOLE   0 0 40,000