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 Company COM 88579Y101 231 1,331 SH   SOLE   0 0 1,331
AFLAC Inc. COM 001055102 972 17,740 SH   SOLE   0 0 17,740
AT&T Inc. COM 00206R102 3,019 90,098 SH   SOLE   0 0 90,098
AVEO Pharmaceuticals, Inc. COM 053588109 16 23,800 SH   SOLE   0 0 23,800
AbbVie Inc. COM 00287Y109 407 5,594 SH   SOLE   0 0 5,594
Abbott Laboratories COM 002824100 365 4,335 SH   SOLE   0 0 4,335
Accelerate Diagnostics, Inc. COM 00430H102 248 10,858 SH   SOLE   0 0 10,858
Adobe Inc. COM 00724F101 1,167 3,960 SH   SOLE   0 0 3,960
Alibaba Group Holding COM 01609W102 697 4,115 SH   SOLE   0 0 4,115
Alphabet Inc. Class A COM 02079K305 13,898 12,835 SH   SOLE   0 0 12,835
Alphabet Inc. Class C COM 02079K107 637 589 SH   SOLE   0 0 589
Altria Group Inc COM 02209S103 232 4,901 SH   SOLE   0 0 4,901
Amazon.com Inc. COM 023135106 22,474 11,868 SH   SOLE   0 0 11,868
American Electric Power COM 025537101 1,326 15,065 SH   SOLE   0 0 15,065
Amgen Inc. COM 031162100 3,516 19,080 SH   SOLE   0 0 19,080
Apple Inc. COM 037833100 22,236 112,351 SH   SOLE   0 0 112,351
Automatic Data Processing Inc. COM 053015103 533 3,221 SH   SOLE   0 0 3,221
Bank of America Corp COM 060505104 646 22,288 SH   SOLE   0 0 22,288
Berkshire Hathaway CL B COM 084670702 12,644 59,313 SH   SOLE   0 0 59,313
Berkshire Hathaway Inc. Class COM 084990175 318 100 SH   SOLE   0 0 100
Blackrock Inc. COM 09247X101 741 1,578 SH   SOLE   0 0 1,578
Broadridge Fncl Solutions COM 11133T103 249 1,948 SH   SOLE   0 0 1,948
Celanese Corp. COM 150870103 755 7,000 SH   SOLE   0 0 7,000
Charles Schwab Corp COM 808513105 515 12,810 SH   SOLE   0 0 12,810
Check Point Software COM M22465104 452 3,906 SH   SOLE   0 0 3,906
Cintas Corporation COM 172908105 5,252 22,134 SH   SOLE   0 0 22,134
Cisco Systems Inc. COM 17275R102 9,416 172,049 SH   SOLE   0 0 172,049
Clorox Company COM 189054109 4,195 27,397 SH   SOLE   0 0 27,397
Coca-Cola Company COM 191216100 684 13,432 SH   SOLE   0 0 13,432
Conagra Brands Inc. COM 205887102 214 8,060 SH   SOLE   0 0 8,060
Conatus Pharmaceuticals Inc. COM 20600T108 3 12,000 SH   SOLE   0 0 12,000
Consolidated Edison, Inc. COM 209115104 5,255 59,932 SH   SOLE   0 0 59,932
Costco Wholesale Corp COM 22160K105 9,562 36,183 SH   SOLE   0 0 36,183
Dominion Energy, Inc. COM 25746U109 3,584 46,358 SH   SOLE   0 0 46,358
Dover Corporation COM 260003108 212 2,117 SH   SOLE   0 0 2,117
Duke Energy Corp COM 26441C204 764 8,662 SH   SOLE   0 0 8,662
Equinix Inc COM 29444U700 986 1,956 SH   SOLE   0 0 1,956
Essent Group Ltd. COM G3198U102 460 9,784 SH   SOLE   0 0 9,784
Evergy Inc. COM 30034W106 1,634 27,160 SH   SOLE   0 0 27,160
Eversource Energy COM 30040W108 249 3,292 SH   SOLE   0 0 3,292
Exxon Mobil Corporation COM 30231G102 1,614 21,065 SH   SOLE   0 0 21,065
Federal Signal Corp. COM 313855108 945 35,314 SH   SOLE   0 0 35,314
Fiserv Inc. COM 337738108 10,435 114,469 SH   SOLE   0 0 114,469
FleetCor Technologies, Inc. COM 339041105 514 1,831 SH   SOLE   0 0 1,831
Fox Factory Holding Corp. COM 35138V102 1,161 14,065 SH   SOLE   0 0 14,065
General Mills Inc. COM 370334104 864 16,446 SH   SOLE   0 0 16,446
Genuine Parts Company COM 372460105 1,846 17,819 SH   SOLE   0 0 17,819
Gilead Sciences Inc. COM 375558103 453 6,711 SH   SOLE   0 0 6,711
Hasbro Inc. COM 418056107 3,738 35,369 SH   SOLE   0 0 35,369
Hexcel Corporation COM 428291108 600 7,417 SH   SOLE   0 0 7,417
Home Depot Inc. COM 437076102 12,663 60,888 SH   SOLE   0 0 60,888
Honeywell Intl Inc COM 438516106 10,939 62,657 SH   SOLE   0 0 62,657
IBM Corp COM 459200101 2,369 17,181 SH   SOLE   0 0 17,181
Illumina Inc COM 452327109 282 767 SH   SOLE   0 0 767
Intel Corporation COM 458140100 3,583 74,855 SH   SOLE   0 0 74,855
International Flavors&Frag. COM 459506101 250 1,720 SH   SOLE   0 0 1,720
Intuitive Surgical, Inc. COM 46120E602 527 1,005 SH   SOLE   0 0 1,005
JPMorgan Chase & Co COM 46625H100 15,012 134,276 SH   SOLE   0 0 134,276
Johnson & Johnson COM 478160104 1,667 11,970 SH   SOLE   0 0 11,970
KeyCorp COM 493267108 8,230 463,635 SH   SOLE   0 0 463,635
Kimberly-Clark Corp. COM 494368103 5,193 38,966 SH   SOLE   0 0 38,966
LeMaitre Vascular, Inc. COM 525558201 279 9,979 SH   SOLE   0 0 9,979
Leggett & Platt Inc. COM 524660107 2,627 68,459 SH   SOLE   0 0 68,459
Libbey Inc. COM 529898108 88 47,284 SH   SOLE   0 0 47,284
Lockheed Martin Corp. COM 539830109 5,382 14,806 SH   SOLE   0 0 14,806
LyondellBasell Industries cl A COM N53745100 224 2,600 SH   SOLE   0 0 2,600
McDonald's Corp. COM 580135101 6,557 31,574 SH   SOLE   0 0 31,574
Medtronic PLC COM G5960L103 1,389 14,267 SH   SOLE   0 0 14,267
Merck & Co. Inc. COM 58933Y105 2,040 24,325 SH   SOLE   0 0 24,325
Microsoft Corporation COM 594918104 21,263 158,723 SH   SOLE   0 0 158,723
Mondelez International Inc COM 609207105 555 10,299 SH   SOLE   0 0 10,299
Morgan Stanley COM 617446448 1,558 35,556 SH   SOLE   0 0 35,556
Netflix Inc COM 64110L106 782 2,130 SH   SOLE   0 0 2,130
Nike Inc cl B COM 654106103 546 6,501 SH   SOLE   0 0 6,501
Oliex Inc. COM 678034208 0 10,000 SH   SOLE   0 0 10,000
Oracle Corporation COM 68389X105 598 10,500 SH   SOLE   0 0 10,500
Organovo Holdings, Inc. COM 68620A104 20 38,242 SH   SOLE   0 0 38,242
PayPal Holdings, Inc. COM 70450Y103 1,182 10,328 SH   SOLE   0 0 10,328
Paychex, Inc. COM 704326107 3,867 46,997 SH   SOLE   0 0 46,997
PepsiCo, Inc. COM 713448108 5,011 38,212 SH   SOLE   0 0 38,212
Pfizer Inc. COM 717081103 970 22,394 SH   SOLE   0 0 22,394
Phillips 66 COM 718546104 245 2,619 SH   SOLE   0 0 2,619
Pluralsight Inc. COM 72941B106 289 9,545 SH   SOLE   0 0 9,545
Procter & Gamble Co. COM 742718109 1,015 9,256 SH   SOLE   0 0 9,256
Qualcomm Inc. COM 747525103 4,937 64,899 SH   SOLE   0 0 64,899
RealPage, Inc. COM 75606N109 923 15,680 SH   SOLE   0 0 15,680
Royal Dutch Shell B COM 780259107 3,964 60,293 SH   SOLE   0 0 60,293
S&P Global Inc. COM 78409V104 267 1,170 SH   SOLE   0 0 1,170
Southern Company COM 842587107 205 3,700 SH   SOLE   0 0 3,700
Starbucks Corporation COM 855244109 1,006 11,995 SH   SOLE   0 0 11,995
Sungold Int Holdings Corp COM 867373102 0 10,000 SH   SOLE   0 0 10,000
Sysco Corporation COM 871829107 2,322 32,838 SH   SOLE   0 0 32,838
TJX Companies Inc. COM 872540109 512 9,688 SH   SOLE   0 0 9,688
Target Corporation COM 87612E106 2,791 32,220 SH   SOLE   0 0 32,220
Telus Corp NV COM 87971M103 240 6,500 SH   SOLE   0 0 6,500
Tencent Holdings Ltd. COM 88032Q109 561 12,386 SH   SOLE   0 0 12,386
Tesla, Inc. COM 88160R101 226 1,011 SH   SOLE   0 0 1,011
Total SA ADR COM 89151E109 3,730 66,856 SH   SOLE   0 0 66,856
Tractor Supply Co. COM 892356106 827 7,600 SH   SOLE   0 0 7,600
Trade Desk, Inc. COM 88339J105 386 1,693 SH   SOLE   0 0 1,693
Union Pacific Corp. COM 907818108 5,114 30,243 SH   SOLE   0 0 30,243
United Parcel Service Inc. COM 911312106 3,763 36,437 SH   SOLE   0 0 36,437
UnitedHealth Group, Inc. COM 91324P102 6,116 25,065 SH   SOLE   0 0 25,065
VISA Inc. COM 92826C839 17,017 98,052 SH   SOLE   0 0 98,052
Verizon Communications, Inc. COM 92343V104 4,991 87,371 SH   SOLE   0 0 87,371
WEC Energy Group COM 92939U106 3,285 39,408 SH   SOLE   0 0 39,408
Walt Disney Company COM 254687106 12,545 89,836 SH   SOLE   0 0 89,836
Waste Management Inc. COM 94106L109 288 2,500 SH   SOLE   0 0 2,500
Wells Fargo & Co COM 949746101 1,121 23,700 SH   SOLE   0 0 23,700
ETF Managers Trust Altr Hrvst COM 26924G508 275 8,686 SH   SOLE   0 0 8,686
Fidelity Nasdaq Composite Inde COM 315912808 2,227 7,077 SH   SOLE   0 0 7,077
Invesco FTSE RAFI 1500 Small-M COM 46137V597 2,932 22,965 SH   SOLE   0 0 22,965
Invesco MSCI Global Timber COM 73936Q587 1,539 57,000 SH   SOLE   0 0 57,000
Invesco QQQ Trust ETF COM 46090E103 1,629 8,722 SH   SOLE   0 0 8,722
Invesco S&P 500 Equal Weight T COM 46137V282 1,808 10,192 SH   SOLE   0 0 10,192
Real Estate Select Sector SPDR COM 81369y860 12,123 329,687 SH   SOLE   0 0 329,687
SPDR Energy Sel Sectr COM 81369Y506 8,966 140,733 SH   SOLE   0 0 140,733
SPDR Financial Select COM 81369Y605 21,406 775,575 SH   SOLE   0 0 775,575
SPDR S&P 500 ETF Trust COM 78462F103 11,478 39,175 SH   SOLE   0 0 39,175
SPDR S&P Global Dividend COM 78463X459 341 5,060 SH   SOLE   0 0 5,060
Schwab US Large Cap Growth ETF COM 808524300 2,517 30,247 SH   SOLE   0 0 30,247
Schwab US Mid Cap COM 808524508 2,996 52,487 SH   SOLE   0 0 52,487
VanEck Vectors Biotech ETF COM 92189f726 1,238 9,597 SH   SOLE   0 0 9,597
Vanguard Index Funds Vanguard COM 922908736 856 5,242 SH   SOLE   0 0 5,242
Vanguard Info Tech COM 92204A702 224 1,063 SH   SOLE   0 0 1,063
Vanguard S&P 500 COM 922908363 79,764 296,355 SH   SOLE   0 0 296,355
iShares Core Russell U.S. Grow COM 464287671 1,962 31,305 SH   SOLE   0 0 31,305
iShares Core S&P Mid-Cap COM 464287507 2,350 12,098 SH   SOLE   0 0 12,098
iShares Core S&P Small-Cap COM 464287804 23,448 299,543 SH   SOLE   0 0 299,543
iShares Nasdaq Biotech COM 464287556 11,220 102,842 SH   SOLE   0 0 102,842
iShares Russell 1000 Grth COM 464287614 216 1,371 SH   SOLE   0 0 1,371
iShares Russell Midcap COM 464287499 47,189 844,623 SH   SOLE   0 0 844,623
iShares S&P 500 Growth COM 464287309 412 2,300 SH   SOLE   0 0 2,300
Vanguard FTSE All-World ex-US COM 922042775 29,682 582,108 SH   SOLE   0 0 582,108
Vanguard MSCI Emerging Markets COM 922042858 24,025 564,892 SH   SOLE   0 0 564,892
Wisdomtree Emerging Markets Sm COM 97717w281 1,016 21,595 SH   SOLE   0 0 21,595
iShares MSCI Australia Index F COM 464286103 862 38,260 SH   SOLE   0 0 38,260
iShares MSCI Canada COM 464286509 1,116 39,000 SH   SOLE   0 0 39,000
iShares MSCI Frontier 100 Fund COM 464286145 11,785 397,869 SH   SOLE   0 0 397,869
iShares MSCI Hong Kong COM 464286871 1,630 63,000 SH   SOLE   0 0 63,000
iShares MSCI Singapore COM 46434G780 1,044 42,270 SH   SOLE   0 0 42,270
SPDR S&P Dividend COM 78464A763 4,528 44,884 SH   SOLE   0 0 44,884
Vanguard Div Appreciation COM 921908844 397 3,444 SH   SOLE   0 0 3,444
Wisdom Div Ex-Financials Fd COM 97717W406 322 3,754 SH   SOLE   0 0 3,754
Wisdom Tree US Div Growth Fund COM 97717X669 5,569 127,585 SH   SOLE   0 0 127,585
iShares Core Dividend Growth COM 46434v621 1,876 49,107 SH   SOLE   0 0 49,107
iShares Select Dividend COM 464287168 3,385 34,004 SH   SOLE   0 0 34,004
JP Morgan ETF Trust Ultrashort COM 46641q837 12,933 256,654 SH   SOLE   0 0 256,654
SPDR Blmbrg Bcly Inv Gr Floati COM 78468r200 2,224 72,368 SH   SOLE   0 0 72,368
SPDR Doubleline Total Return T COM 78467V848 565 11,521 SH   SOLE   0 0 11,521
Vanguard Short-Term Cor. Bond COM 92206C409 17,641 218,650 SH   SOLE   0 0 218,650
Apple Inc. COM 037833100 379 1,914 SH   SOLE   0 0 1,914
Dodge & Cox Balanced Fund COM 256201104 282 2,837 SH   SOLE   0 0 2,837
General Electric Company COM 369604103 11,927 1,135,881 SH   SOLE   0 0 1,135,881
JPMorgan Chase & Co COM 46625H100 449 4,015 SH   SOLE   0 0 4,015
Personal Mini Storage St Cloud COM lp0021628 57 10,000 SH   SOLE   0 0 10,000
Cubesmart COM 229663109 217 6,500 SH   SOLE   0 0 6,500
Digital Realty Trust Inc COM 253868103 2,617 22,216 SH   SOLE   0 0 22,216
National Retail Properties Inc COM 637417106 802 15,135 SH   SOLE   0 0 15,135
Store Capital Corporation COM 862121100 831 25,045 SH   SOLE   0 0 25,045
Tanger Factory Outlet Centers COM 875465106 353 21,775 SH   SOLE   0 0 21,775
DFA Emerging Markets COM 233203785 276 9,868 SH   SOLE   0 0 9,868
DFA Global Real Estate Securit COM 23320G554 303 25,857 SH   SOLE   0 0 25,857
DFA International Core Equity COM 233203371 1,446 111,470 SH   SOLE   0 0 111,470
DFA US Core Equity COM 233203413 2,725 113,033 SH   SOLE   0 0 113,033
DFA US Targeted Value Fund COM 233203595 974 43,687 SH   SOLE   0 0 43,687
Dodge Cox Stock Fund COM 256219106 292 1,560 SH   SOLE   0 0 1,560
Fidelity 500 Index COM 315911750 1,273 12,403 SH   SOLE   0 0 12,403
Fidelity Contrafund COM 316071109 1,132 85,866 SH   SOLE   0 0 85,866
Fidelity Diversified Internati COM 315910281 567 15,229 SH   SOLE   0 0 15,229
Fidelity Dividend Growth Fund: COM 316389543 642 21,906 SH   SOLE   0 0 21,906
Fidelity International Discove COM 315910208 637 14,939 SH   SOLE   0 0 14,939
Fidelity Low Price Stock AD COM 316345305 1,180 24,278 SH   SOLE   0 0 24,278
Fidelity Low Price Stock Fund COM 316345800 543 11,181 SH   SOLE   0 0 11,181
Fidelity Small Cap Growth COM 316389766 641 23,934 SH   SOLE   0 0 23,934
Oakmark Fund COM 413838103 1,064 13,374 SH   SOLE   0 0 13,374
Oakmark International Fund COM 413838202 590 25,597 SH   SOLE   0 0 25,597
SEI International Equity Fund COM 78411r109 113 10,461 SH   SOLE   0 0 10,461
SEI Tax Managed Large Cap COM 783925571 234 8,599 SH   SOLE   0 0 8,599
Schwab SP500 Index Fund COM 808509855 516 11,374 SH   SOLE   0 0 11,374
Schwab Small Cap Index Fund COM 808509848 336 11,678 SH   SOLE   0 0 11,678
Schwab Total Stock Market Inde COM 808509756 264 5,096 SH   SOLE   0 0 5,096
TIAA-CREF Growth & Income Fund COM 87245M103 154 10,617 SH   SOLE   0 0 10,617
TIAA-CREF Large-Cap Growth Ind COM 87244W680 627 18,883 SH   SOLE   0 0 18,883
Vaguard Small-Cap Index COM 922908686 622 8,277 SH   SOLE   0 0 8,277
Vanguard Mid-Cap Index Fund In COM 922908835 843 18,439 SH   SOLE   0 0 18,439
Vanguard Selected Value Fund COM 921946109 1,203 45,256 SH   SOLE   0 0 45,256
Vanguard Specialized Dividend COM 921908604 294 10,022 SH   SOLE   0 0 10,022
Vanguard Total International S COM 921909784 283 2,498 SH   SOLE   0 0 2,498
Vanguard Windsor II Fund COM 922018205 1,104 30,843 SH   SOLE   0 0 30,843
DFA Intermediate Term Extended COM 23320G513 1,248 113,101 SH   SOLE   0 0 113,101
DFA Selectively Hedged Global COM 233203223 683 70,502 SH   SOLE   0 0 70,502
DFA Short Term Extended Qualit COM 23320G521 1,504 138,479 SH   SOLE   0 0 138,479
Dreyfus Bond Market INdex Fund COM 261978878 249 23,765 SH   SOLE   0 0 23,765
FIMM Money Market Prime Res Po COM 31607a877 1,549 1,548,668 SH   SOLE   0 0 1,548,668
Federated Prime Cash Obligatio COM 60934n617 40 40,174 SH   SOLE   0 0 40,174
Fid Intermediate Bond Fund COM 315912105 302 27,468 SH   SOLE   0 0 27,468
Fidelity Investment Grade COM 316146109 1,708 211,149 SH   SOLE   0 0 211,149
Fidelity Spartan Money Market COM 31617H201 1,037 1,036,726 SH   SOLE   0 0 1,036,726
Franklin Fed Interm T/F A COM 354723710 171 14,072 SH   SOLE   0 0 14,072
Metropolitan West Total Return COM 592905103 209 19,153 SH   SOLE   0 0 19,153
Nuveen Arizona Mun Bond Fund C COM 67065l104 199 18,056 SH   SOLE   0 0 18,056
PIMCO Total Return Instl COM 693390700 127 12,318 SH   SOLE   0 0 12,318
Putnam Tax Exempt Income CL A COM 746870104 98 11,130 SH   SOLE   0 0 11,130
Schwab Municipal Money Fd Ultr COM 808515753 601 600,885 SH   SOLE   0 0 600,885
Schwab Value Advantage Money F COM 808515696 11,926 11,925,887 SH   SOLE   0 0 11,925,887
Schwab Value Advantage Money F COM 808515605 2,873 2,872,655 SH   SOLE   0 0 2,872,655
UBS Select Money Fund Inst COM 90262y505 1,115 1,115,275 SH   SOLE   0 0 1,115,275
UBS Select Prime Investor Fund COM 90262Y836 788 787,527 SH   SOLE   0 0 787,527
Vanguard Intermediate-Term Inv COM 922031810 1,707 171,574 SH   SOLE   0 0 171,574
Vanguard Short-Term Investment COM 922031836 644 60,176 SH   SOLE   0 0 60,176