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
AFLAC Inc. COM 001055102 1,099 20,779 SH   SOLE   0 0 20,779
AT&T Inc. COM 00206R102 4,379 112,051 SH   SOLE   0 0 112,051
AbbVie Inc. COM 00287Y109 468 5,287 SH   SOLE   0 0 5,287
Abbott Laboratories COM 002824100 377 4,335 SH   SOLE   0 0 4,335
Adobe Inc. COM 00724F101 1,743 5,284 SH   SOLE   0 0 5,284
Alibaba Group Holding COM 01609W102 823 3,880 SH   SOLE   0 0 3,880
Alphabet Inc. Class A COM 02079K305 11,982 8,946 SH   SOLE   0 0 8,946
Alphabet Inc. Class C COM 02079K107 778 582 SH   SOLE   0 0 582
Altria Group Inc COM 02209S103 305 6,120 SH   SOLE   0 0 6,120
Amazon.com Inc. COM 023135106 21,707 11,747 SH   SOLE   0 0 11,747
American Electric Power COM 025537101 1,423 15,055 SH   SOLE   0 0 15,055
American Water Works COM 030420103 219 1,780 SH   SOLE   0 0 1,780
Amgen Inc. COM 031162100 4,695 19,477 SH   SOLE   0 0 19,477
Apple Inc. COM 037833100 32,732 111,467 SH   SOLE   0 0 111,467
Automatic Data Processing Inc. COM 053015103 549 3,221 SH   SOLE   0 0 3,221
Bank of America Corp COM 060505104 785 22,291 SH   SOLE   0 0 22,291
Berkshire Hathaway CL B COM 084670702 14,953 66,017 SH   SOLE   0 0 66,017
Berkshire Hathaway Inc. Class COM 084990175 340 100 SH   SOLE   0 0 100
Blackrock Inc. COM 09247X101 2,073 4,123 SH   SOLE   0 0 4,123
Broadridge Fncl Solutions COM 11133T103 251 2,033 SH   SOLE   0 0 2,033
CBL & Associates Properties COM 124830100 16 15,000 SH   SOLE   0 0 15,000
Celanese Corp. COM 150870103 862 7,000 SH   SOLE   0 0 7,000
Charles Schwab Corp COM 808513105 609 12,810 SH   SOLE   0 0 12,810
Check Point Software COM M22465104 433 3,906 SH   SOLE   0 0 3,906
Cintas Corporation COM 172908105 8,084 30,043 SH   SOLE   0 0 30,043
Cisco Systems Inc. COM 17275R102 7,846 163,590 SH   SOLE   0 0 163,590
Clorox Company COM 189054109 4,219 27,480 SH   SOLE   0 0 27,480
Coca-Cola Company COM 191216100 761 13,749 SH   SOLE   0 0 13,749
Conagra Brands Inc. COM 205887102 276 8,060 SH   SOLE   0 0 8,060
Conatus Pharmaceuticals Inc. COM 20600T108 5 12,000 SH   SOLE   0 0 12,000
ConocoPhillips COM 20825C104 239 3,674 SH   SOLE   0 0 3,674
Consolidated Edison, Inc. COM 209115104 5,466 60,422 SH   SOLE   0 0 60,422
Costco Wholesale Corp COM 22160K105 11,855 40,333 SH   SOLE   0 0 40,333
Dominion Energy, Inc. COM 25746U109 4,622 55,805 SH   SOLE   0 0 55,805
Duke Energy Corp COM 26441C204 784 8,599 SH   SOLE   0 0 8,599
Equinix Inc COM 29444U700 791 1,356 SH   SOLE   0 0 1,356
Essent Group Ltd. COM G3198U102 376 7,240 SH   SOLE   0 0 7,240
Evergy Inc. COM 30034W106 1,537 23,620 SH   SOLE   0 0 23,620
Eversource Energy COM 30040W108 280 3,292 SH   SOLE   0 0 3,292
Exxon Mobil Corporation COM 30231G102 1,057 15,151 SH   SOLE   0 0 15,151
Fannie Mae COM 313586109 421 135,000 SH   SOLE   0 0 135,000
Fannie Mae Pfd Ser S COM 313586752 348 29,100 SH   SOLE   0 0 29,100
Federal Home Loan Mortgage Cor COM 313400301 141 47,000 SH   SOLE   0 0 47,000
Federal Signal Corp. COM 313855108 1,178 36,513 SH   SOLE   0 0 36,513
Fiserv Inc. COM 337738108 12,678 109,647 SH   SOLE   0 0 109,647
FleetCor Technologies, Inc. COM 339041105 527 1,831 SH   SOLE   0 0 1,831
Fox Factory Holding Corp. COM 35138V102 655 9,420 SH   SOLE   0 0 9,420
General Electric Company COM 369604103 143 12,783 SH   SOLE   0 0 12,783
Genuine Parts Company COM 372460105 1,925 18,123 SH   SOLE   0 0 18,123
Gilead Sciences Inc. COM 375558103 436 6,711 SH   SOLE   0 0 6,711
Hannon Armstrong Sustain Infra COM 41068X100 369 11,480 SH   SOLE   0 0 11,480
Hasbro Inc. COM 418056107 3,973 37,624 SH   SOLE   0 0 37,624
Hexcel Corporation COM 428291108 542 7,397 SH   SOLE   0 0 7,397
Home Depot Inc. COM 437076102 12,814 58,677 SH   SOLE   0 0 58,677
Honeywell Intl Inc COM 438516106 11,174 63,127 SH   SOLE   0 0 63,127
IBM Corp COM 459200101 1,898 14,162 SH   SOLE   0 0 14,162
Illumina Inc COM 452327109 254 766 SH   SOLE   0 0 766
Intel Corporation COM 458140100 4,558 76,159 SH   SOLE   0 0 76,159
International Flavors&Frag. COM 459506101 363 2,816 SH   SOLE   0 0 2,816
Intuitive Surgical, Inc. COM 46120E602 594 1,005 SH   SOLE   0 0 1,005
JPMorgan Chase & Co COM 46625H100 17,653 126,637 SH   SOLE   0 0 126,637
Johnson & Johnson COM 478160104 1,684 11,542 SH   SOLE   0 0 11,542
KeyCorp COM 493267108 8,617 425,757 SH   SOLE   0 0 425,757
Kimberly-Clark Corp. COM 494368103 5,328 38,737 SH   SOLE   0 0 38,737
Lamb Weston Holdings, Inc. COM 513272104 231 2,686 SH   SOLE   0 0 2,686
LeMaitre Vascular, Inc. COM 525558201 285 7,923 SH   SOLE   0 0 7,923
Leggett & Platt Inc. COM 524660107 3,884 76,409 SH   SOLE   0 0 76,409
Libbey Inc. COM 529898108 69 47,284 SH   SOLE   0 0 47,284
Liberty All Star Equity Fd COM 530158104 124 18,293 SH   SOLE   0 0 18,293
Lockheed Martin Corp. COM 539830109 6,001 15,412 SH   SOLE   0 0 15,412
McDonald's Corp. COM 580135101 6,093 30,833 SH   SOLE   0 0 30,833
Medtronic PLC COM G5960L103 1,571 13,850 SH   SOLE   0 0 13,850
Merck & Co. Inc. COM 58933Y105 448 4,927 SH   SOLE   0 0 4,927
Microsoft Corporation COM 594918104 23,980 152,060 SH   SOLE   0 0 152,060
Mojo Organics Inc. COM 60841T202 68 250,000 SH   SOLE   0 0 250,000
Mondelez International Inc COM 609207105 567 10,299 SH   SOLE   0 0 10,299
Morgan Stanley COM 617446448 1,858 36,345 SH   SOLE   0 0 36,345
NVIDIA Corp COM 67066G104 247 1,050 SH   SOLE   0 0 1,050
Netflix Inc COM 64110L106 694 2,145 SH   SOLE   0 0 2,145
Nike Inc cl B COM 654106103 695 6,865 SH   SOLE   0 0 6,865
Oliex Inc. COM 678034208 0 10,000 SH   SOLE   0 0 10,000
Oracle Corporation COM 68389X105 556 10,500 SH   SOLE   0 0 10,500
Organovo Holdings Inc. COM 68620A104 14 38,242 SH   SOLE   0 0 38,242
PayPal Holdings, Inc. COM 70450Y103 991 9,157 SH   SOLE   0 0 9,157
Paychex, Inc. COM 704326107 4,043 47,536 SH   SOLE   0 0 47,536
PepsiCo, Inc. COM 713448108 4,830 35,338 SH   SOLE   0 0 35,338
Pfizer Inc. COM 717081103 244 6,232 SH   SOLE   0 0 6,232
Phillips 66 COM 718546104 292 2,619 SH   SOLE   0 0 2,619
Procter & Gamble Co. COM 742718109 1,069 8,556 SH   SOLE   0 0 8,556
Qualcomm Inc. COM 747525103 6,149 69,698 SH   SOLE   0 0 69,698
RealPage, Inc. COM 75606N109 656 12,206 SH   SOLE   0 0 12,206
Royal Dutch Shell B COM 780259107 4,125 68,776 SH   SOLE   0 0 68,776
SolarEdge Technologies, Inc. COM 83417M104 217 2,286 SH   SOLE   0 0 2,286
Starbucks Corporation COM 855244109 1,116 12,689 SH   SOLE   0 0 12,689
Sungold Int Holdings Corp COM 867373102 0 10,000 SH   SOLE   0 0 10,000
Sysco Corporation COM 871829107 2,828 33,056 SH   SOLE   0 0 33,056
TJX Companies Inc. COM 872540109 543 8,888 SH   SOLE   0 0 8,888
Target Corporation COM 87612E106 4,175 32,561 SH   SOLE   0 0 32,561
Tencent Holdings Ltd. COM 88032Q109 335 6,976 SH   SOLE   0 0 6,976
Tesla, Inc. COM 88160R101 423 1,012 SH   SOLE   0 0 1,012
Tiffany & Company COM 886547108 232 1,735 SH   SOLE   0 0 1,735
Total SA ADR COM 89151E109 3,832 69,292 SH   SOLE   0 0 69,292
Tractor Supply Co. COM 892356106 710 7,600 SH   SOLE   0 0 7,600
Trade Desk, Inc. COM 88339J105 463 1,783 SH   SOLE   0 0 1,783
Union Pacific Corp. COM 907818108 5,224 28,896 SH   SOLE   0 0 28,896
United Parcel Service Inc. COM 911312106 4,259 36,380 SH   SOLE   0 0 36,380
UnitedHealth Group, Inc. COM 91324P102 8,113 27,596 SH   SOLE   0 0 27,596
VISA Inc. COM 92826C839 17,992 95,752 SH   SOLE   0 0 95,752
Verizon Communications, Inc. COM 92343V104 5,647 91,975 SH   SOLE   0 0 91,975
WEC Energy Group COM 92939U106 3,704 40,160 SH   SOLE   0 0 40,160
Walt Disney Company COM 254687106 13,152 90,934 SH   SOLE   0 0 90,934
Waste Management Inc. COM 94106L109 204 1,791 SH   SOLE   0 0 1,791
Wells Fargo & Co COM 949746101 1,315 24,440 SH   SOLE   0 0 24,440
Alerian MLP COM 00162Q866 90 10,580 SH   SOLE   0 0 10,580
Fidelity Nasdaq Composite Inde COM 315912808 2,329 6,663 SH   SOLE   0 0 6,663
Invesco FTSE RAFI 1500 Small-M COM 46137V597 3,140 22,965 SH   SOLE   0 0 22,965
Invesco MSCI Global Timber COM 73936Q587 1,648 57,000 SH   SOLE   0 0 57,000
Invesco QQQ Trust ETF COM 46090E103 1,844 8,674 SH   SOLE   0 0 8,674
Invesco S&P 500 Equal Weight T COM 46137V282 1,902 9,601 SH   SOLE   0 0 9,601
Invesco S&P 500 Low Volatility COM 46138e354 23,587 404,309 SH   SOLE   0 0 404,309
Real Estate Select Sector SPDR COM 81369y860 12,899 333,564 SH   SOLE   0 0 333,564
SPDR Energy Sel Sectr COM 81369Y506 7,258 120,881 SH   SOLE   0 0 120,881
SPDR Financial Select COM 81369Y605 21,798 708,175 SH   SOLE   0 0 708,175
SPDR S&P 500 ETF Trust COM 78462F103 12,666 39,352 SH   SOLE   0 0 39,352
SPDR S&P Global Dividend COM 78463X459 269 3,760 SH   SOLE   0 0 3,760
SPDR SSGA Gender Diversity Ind COM 78468r747 339 4,389 SH   SOLE   0 0 4,389
Schwab US Large Cap Growth ETF COM 808524300 2,678 28,824 SH   SOLE   0 0 28,824
Schwab US Mid Cap COM 808524508 3,025 50,287 SH   SOLE   0 0 50,287
Vanguard Index Funds Vanguard COM 922908736 928 5,092 SH   SOLE   0 0 5,092
Vanguard Info Tech COM 92204A702 260 1,063 SH   SOLE   0 0 1,063
Vanguard S&P 500 COM 922908363 83,416 282,000 SH   SOLE   0 0 282,000
iShares Core Russell U.S. Grow COM 464287671 2,014 29,768 SH   SOLE   0 0 29,768
iShares Core S&P Mid-Cap COM 464287507 2,324 11,289 SH   SOLE   0 0 11,289
iShares Core S&P Small-Cap COM 464287804 24,986 297,989 SH   SOLE   0 0 297,989
iShares MSCI Low Carbon Target COM 46434v464 393 3,034 SH   SOLE   0 0 3,034
iShares Nasdaq Biotech COM 464287556 11,779 97,742 SH   SOLE   0 0 97,742
iShares Russell Midcap COM 464287499 47,993 804,987 SH   SOLE   0 0 804,987
iShares S&P 500 Growth COM 464287309 445 2,300 SH   SOLE   0 0 2,300
Vanguard FTSE All-World ex-US COM 922042775 30,637 569,998 SH   SOLE   0 0 569,998
Vanguard MSCI Emerging Markets COM 922042858 24,783 557,298 SH   SOLE   0 0 557,298
Wisdomtree Emerging Markets Sm COM 97717w281 1,033 21,595 SH   SOLE   0 0 21,595
iShares MSCI Australia Index F COM 464286103 866 38,260 SH   SOLE   0 0 38,260
iShares MSCI Canada COM 464286509 1,166 39,000 SH   SOLE   0 0 39,000
iShares MSCI Hong Kong COM 464286871 1,533 63,000 SH   SOLE   0 0 63,000
iShares MSCI Singapore COM 46434G780 1,020 42,270 SH   SOLE   0 0 42,270
SPDR S&P Dividend COM 78464A763 4,805 44,668 SH   SOLE   0 0 44,668
Vanguard Div Appreciation COM 921908844 433 3,475 SH   SOLE   0 0 3,475
Wisdom Tree US Div Growth Fund COM 97717X669 6,218 128,277 SH   SOLE   0 0 128,277
iShares Core Dividend Growth COM 46434v621 1,998 47,502 SH   SOLE   0 0 47,502
iShares Select Dividend COM 464287168 3,593 34,004 SH   SOLE   0 0 34,004
JP Morgan ETF Trust Ultrashort COM 46641q837 14,929 296,024 SH   SOLE   0 0 296,024
PIMCO Total Rtn COM 72201R775 216 2,000 SH   SOLE   0 0 2,000
SPDR Blmbrg Bcly Inv Gr Floati COM 78468r200 1,799 58,533 SH   SOLE   0 0 58,533
SPDR Doubleline Total Return T COM 78467V848 555 11,333 SH   SOLE   0 0 11,333
Vanguard Short-Term Cor. Bond COM 92206C409 20,839 257,175 SH   SOLE   0 0 257,175
Apple Inc. COM 037833100 553 1,883 SH   SOLE   0 0 1,883
Dodge & Cox Balanced Fund COM 256201104 295 2,905 SH   SOLE   0 0 2,905
General Electric Company COM 369604103 10,579 947,919 SH   SOLE   0 0 947,919
JPMorgan Chase & Co COM 46625H100 560 4,015 SH   SOLE   0 0 4,015
Personal Mini Storage St Cloud COM lp0021628 57 10,000 SH   SOLE   0 0 10,000
Crown Castle International COM 22822V101 534 3,758 SH   SOLE   0 0 3,758
Cubesmart COM 229663109 516 16,400 SH   SOLE   0 0 16,400
Digital Realty Trust Inc COM 253868103 2,754 23,000 SH   SOLE   0 0 23,000
Highlands Reit Inc COM 43110a104 0 10,396 SH   SOLE   0 0 10,396
Inventrust Properties Corp Com COM 46124j102 33 10,396 SH   SOLE   0 0 10,396
National Retail Properties Inc COM 637417106 851 15,862 SH   SOLE   0 0 15,862
Store Capital Corporation COM 862121100 962 25,837 SH   SOLE   0 0 25,837
Tanger Factory Outlet Centers COM 875465106 189 12,810 SH   SOLE   0 0 12,810
Blackrock Health Sciences Oppo COM 091937540 214 3,143 SH   SOLE   0 0 3,143
DFA Emerging Markets COM 233203785 214 7,317 SH   SOLE   0 0 7,317
DFA Global Real Estate Securit COM 23320G554 232 19,658 SH   SOLE   0 0 19,658
DFA International Core Equity COM 233203371 1,142 82,681 SH   SOLE   0 0 82,681
DFA US Core Equity COM 233203413 2,317 89,371 SH   SOLE   0 0 89,371
DFA US Targeted Value Fund COM 233203595 757 32,670 SH   SOLE   0 0 32,670
Dodge Cox Stock Fund COM 256219106 277 1,428 SH   SOLE   0 0 1,428
Fidelity 500 Index COM 315911750 1,512 13,498 SH   SOLE   0 0 13,498
Fidelity Contrafund COM 316071109 1,218 88,805 SH   SOLE   0 0 88,805
Fidelity Diversified Internati COM 315910281 650 16,096 SH   SOLE   0 0 16,096
Fidelity Dividend Growth Fund: COM 316389543 743 24,032 SH   SOLE   0 0 24,032
Fidelity International Discove COM 315910208 695 15,298 SH   SOLE   0 0 15,298
Fidelity Low Price Stock AD COM 316345305 1,324 26,455 SH   SOLE   0 0 26,455
Fidelity Low Price Stock Fund COM 316345800 636 12,725 SH   SOLE   0 0 12,725
Fidelity Small Cap Growth COM 316389766 692 25,280 SH   SOLE   0 0 25,280
Glenmede Large Cap Core COM 378690788 355 12,879 SH   SOLE   0 0 12,879
Oakmark Fund COM 413838103 1,164 14,556 SH   SOLE   0 0 14,556
Oakmark International Fund COM 413838202 651 26,073 SH   SOLE   0 0 26,073
SEI International Equity Fund COM 78411r109 120 10,461 SH   SOLE   0 0 10,461
SEI Tax Managed Large Cap COM 783925571 238 8,599 SH   SOLE   0 0 8,599
Schwab SP500 Index Fund COM 808509855 564 11,427 SH   SOLE   0 0 11,427
Schwab Small Cap Index Fund COM 808509848 349 11,968 SH   SOLE   0 0 11,968
Schwab Total Stock Market Inde COM 808509756 297 5,315 SH   SOLE   0 0 5,315
TIAA-CREF Large-Cap Growth Ind COM 87244W680 767 21,098 SH   SOLE   0 0 21,098
TIAA-CREF Small-Cap Blend Inde COM 87244W573 211 10,117 SH   SOLE   0 0 10,117
Vaguard Small-Cap Index COM 922908686 830 10,460 SH   SOLE   0 0 10,460
Vanguard Mid-Cap Index Fund In COM 922908835 985 20,213 SH   SOLE   0 0 20,213
Vanguard Selected Value Fund COM 921946109 1,318 48,646 SH   SOLE   0 0 48,646
Vanguard Specialized Dividend COM 921908604 306 10,022 SH   SOLE   0 0 10,022
Vanguard Total International S COM 921909784 319 2,667 SH   SOLE   0 0 2,667
Vanguard Windsor II Fund COM 922018205 1,231 33,801 SH   SOLE   0 0 33,801
DFA Intermediate Term Extended COM 23320G513 826 73,597 SH   SOLE   0 0 73,597
DFA Selectively Hedged Global COM 233203223 427 44,533 SH   SOLE   0 0 44,533
DFA Short Term Extended Qualit COM 23320G521 984 91,066 SH   SOLE   0 0 91,066
Dreyfus Bond Market INdex Fund COM 261978878 307 29,005 SH   SOLE   0 0 29,005
FIMM Money Market Prime Res Po COM 31607a877 602 599,820 SH   SOLE   0 0 599,820
Federated Govt Obligations Fd COM 60934n807 529 529,000 SH   SOLE   0 0 529,000
Federated Prime Cash Obligatio COM 60934n617 56 55,530 SH   SOLE   0 0 55,530
Fid Intermediate Bond Fund COM 315912105 321 29,013 SH   SOLE   0 0 29,013
Fidelity Cash Resvs Sh Ben In COM 316067107 83 83,300 SH   SOLE   0 0 83,300
Fidelity Investment Grade COM 316146109 1,753 214,060 SH   SOLE   0 0 214,060
Fidelity Spartan Money Market COM 31617H201 470 470,154 SH   SOLE   0 0 470,154
Franklin Fed Interm T/F A COM 354723710 171 14,072 SH   SOLE   0 0 14,072
Metropolitan West Total Return COM 592905103 210 19,153 SH   SOLE   0 0 19,153
Nuveen Arizona Mun Bond Fund C COM 67065l104 200 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 97 11,130 SH   SOLE   0 0 11,130
Schwab Government Money Fund I COM 808515613 256 256,483 SH   SOLE   0 0 256,483
Schwab Treasury Obligations Mo COM 808515621 60 60,000 SH   SOLE   0 0 60,000
Schwab Value Advantage Money F COM 808515696 14,830 14,829,664 SH   SOLE   0 0 14,829,664
Schwab Value Advantage Money F COM 808515605 3,871 3,871,121 SH   SOLE   0 0 3,871,121
Tax Free Fund For Utah Class A COM 03842a822 154 14,592 SH   SOLE   0 0 14,592
UBS Select Money Fund Inst COM 90262y505 1,102 1,102,301 SH   SOLE   0 0 1,102,301
UBS Select Prime Investor Fund COM 90262Y836 1,951 1,950,877 SH   SOLE   0 0 1,950,877
Vanguard Intermediate-Term Inv COM 922031810 1,751 174,198 SH   SOLE   0 0 174,198
Vanguard Short-Term Investment COM 922031836 646 60,176 SH   SOLE   0 0 60,176