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
Darden Restaurants Inc COM 237194105 210 1,776 SH   SOLE 0 1,776 0 0
Wyndham Destinations Inc COM 98310W108 201 4,364 SH   SOLE 0 4,364 0 0
A S E Industrial Holdi COM 00215W100 159 35,600 SH   SOLE 0 35,600 0 0
Abbott Laboratories COM 002824100 814 9,733 SH   SOLE 0 9,733 0 0
Air Products & Chemicals Inc COM 009158106 1,008 4,542 SH   SOLE 0 4,542 0 0
Algonquin Pwr &Utils COM 015857105 266 19,398 SH   SOLE 0 19,398 0 0
Allianz Societas Europ COM 018805101 223 9,615 SH   SOLE 0 9,615 0 0
Amgen Inc. COM 031162100 355 1,835 SH   SOLE 0 1,835 0 0
Apple Inc COM 037833100 1,109 4,951 SH   SOLE 0 4,951 0 0
Applied Visual Scien COM 038287108 0 47,075 SH   SOLE 0 47,075 0 0
Aptar Group COM 038336103 239 2,019 SH   SOLE 0 2,019 0 0
Aqua America Inc COM 03836W103 225 5,015 SH   SOLE 0 5,015 0 0
Automatic Data Processing COM 053015103 535 3,316 SH   SOLE 0 3,316 0 0
BB&T Corp. COM 054937107 1,311 24,561 SH   SOLE 0 24,561 0 0
Berkshire Hath. Cl B COM 084670207 235 1,130 SH   SOLE 0 1,130 0 0
Blackrock Inc COM 09247X101 812 1,822 SH   SOLE 0 1,822 0 0
C S X Corp COM 126408103 207 2,984 SH   SOLE 0 2,984 0 0
Canbiola Inc COM 13730L103 3 130,435 SH   SOLE 0 130,435 0 0
Caretrust REIT COM 14174T107 205 8,741 SH   SOLE 0 8,741 0 0
Carlisle Companies COM 142339100 215 1,480 SH   SOLE 0 1,480 0 0
Chemed Corporation New COM 16359R103 241 578 SH   SOLE 0 578 0 0
Chevron Corp COM 166764100 1,014 8,549 SH   SOLE 0 8,549 0 0
Churchill Downs Inc COM 171484108 237 1,920 SH   SOLE 0 1,920 0 0
Cincinnati Financial COM 172062101 283 2,425 SH   SOLE 0 2,425 0 0
Cisco Systems COM 17275R102 1,383 27,996 SH   SOLE 0 27,996 0 0
Coca Cola COM 191216100 364 6,690 SH   SOLE 0 6,690 0 0
Comcast Corp Cl A COM 20030N101 548 12,160 SH   SOLE 0 12,160 0 0
Community Healthcare Tru COM 20369C106 211 4,727 SH   SOLE 0 4,727 0 0
Crown Castle International Corp COM 22822V101 1,092 7,859 SH   SOLE 0 7,859 0 0
Cyrusone Inc COM 23283R100 238 3,008 SH   SOLE 0 3,008 0 0
Deutsche Telekom Ag COM 251566105 175 10,470 SH   SOLE 0 10,470 0 0
Duke Energy Corporation COM 26441C105 401 4,183 SH   SOLE 0 4,183 0 0
Emisphere Tech COM 291345106 193 21,019 SH   SOLE 0 21,019 0 0
Ensign Group Inc COM 29358P101 294 6,191 SH   SOLE 0 6,191 0 0
Evolution Petroleum COM 30049A107 116 19,923 SH   SOLE 0 19,923 0 0
Exxon Mobil Corp COM 30231G102 813 11,516 SH   SOLE 0 11,516 0 0
Flir Systems Inc COM 302445101 223 4,234 SH   SOLE 0 4,234 0 0
Facebook Inc COM 30303M102 253 1,422 SH   SOLE 0 1,422 0 0
Hanover Insurance Group COM 410867105 230 1,695 SH   SOLE 0 1,695 0 0
Hewlett Packard Co COM 428236103 269 14,233 SH   SOLE 0 14,233 0 0
Hexcel Corp COM 428291108 233 2,840 SH   SOLE 0 2,840 0 0
Healthsouth Corp COM 431475102 202 1,924 SH   SOLE 0 1,924 0 0
Home Depot COM 437076102 1,590 6,851 SH   SOLE 0 6,851 0 0
Honeywell International COM 438516106 1,191 7,038 SH   SOLE 0 7,038 0 0
Hubbell Inc Class B COM 443510201 299 2,275 SH   SOLE 0 2,275 0 0
Iberdrola S A COM 450737101 300 7,220 SH   SOLE 0 7,220 0 0
Illinois Tool Works COM 452308109 563 3,595 SH   SOLE 0 3,595 0 0
Insperity Inc COM 45778Q107 208 2,112 SH   SOLE 0 2,112 0 0
iShares Mstar Large Core LRGE CORE INDX 464287127 292 1,737 SH   SOLE 0 1,737 0 0
iShares S&P 500 Index S&P 500 INDEX 464287200 1,467 4,916 SH   SOLE 0 4,916 0 0
iShares Barclays Agg Bond BARCLYS US AGG B 464287226 1,408 12,440 SH   SOLE 0 12,440 0 0
Ishares S&P 500 Growth S&P 500 GRWT ETF 464287309 411 2,284 SH   SOLE 0 2,284 0 0
iShares S&P Midcap 400 CORE S&P MCP ETF 464287507 488 2,527 SH   SOLE 0 2,527 0 0
iShares Russell 1000 Value RUSSELL1000VAL 464287598 822 6,411 SH   SOLE 0 6,411 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 727 4,552 SH   SOLE 0 4,552 0 0
iShares Russell 1000 Index RUSSELL 1000 464287622 9,705 58,984 SH   SOLE 0 58,984 0 0
iShares Russell 2000 Value Idx RUSL 2000 VALU 464287630 401 3,360 SH   SOLE 0 3,360 0 0
iShares Russell 2000 Idx RUSSELL 2000 ETF 464287655 1,109 7,326 SH   SOLE 0 7,326 0 0
iShares S&P Smallcap 600 CORE S&P SCP ETF 464287804 12,588 161,710 SH   SOLE 0 161,710 0 0
iShares Short Treasury Fund SHORT TREAS BD 464288679 11,313 102,265 SH   SOLE 0 102,265 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 10,734 175,759 SH   SOLE 0 175,759 0 0
iShares Core MSCI Emerging Markets CORE MSCI EMKT 46434G103 3,357 68,487 SH   SOLE 0 68,487 0 0
JPMorgan Chase & Co COM 46625H100 2,063 17,533 SH   SOLE 0 17,533 0 0
Johnson & Johnson COM 478160104 1,143 8,837 SH   SOLE 0 8,837 0 0
Kontoor Brands Inc COM 50050N103 218 6,223 SH   SOLE 0 6,223 0 0
Ladder Capital Corp COM 505743104 183 10,596 SH   SOLE 0 10,596 0 0
Lilly Eli & Co COM 532457108 338 3,025 SH   SOLE 0 3,025 0 0
Lloyds Banking Gp Adr COM 539439109 89 33,540 SH   SOLE 0 33,540 0 0
Lockheed Martin Corp COM 539830109 1,280 3,282 SH   SOLE 0 3,282 0 0
MDC Holdings COM 552676108 271 6,282 SH   SOLE 0 6,282 0 0
Magic Software Enterprises Ltd COM 559166103 189 20,611 SH   SOLE 0 20,611 0 0
Manhattan Scientific COM 563122100 0 10,000 SH   SOLE 0 10,000 0 0
Marriott Vacations COM 57164Y107 246 2,375 SH   SOLE 0 2,375 0 0
Marsh & McLennan COM 571748102 759 7,585 SH   SOLE 0 7,585 0 0
Maxim Integrated Prods COM 57772K101 356 6,151 SH   SOLE 0 6,151 0 0
McDonalds Corp COM 580135101 1,408 6,557 SH   SOLE 0 6,557 0 0
Medical Svcs Intl Cl A COM 58463C101 0 50,000 SH   SOLE 0 50,000 0 0
Medtronic Inc. COM 585055106 875 8,060 SH   SOLE 0 8,060 0 0
Microsoft COM 594918104 1,553 11,168 SH   SOLE 0 11,168 0 0
Mondelez Intl Inc Cl A COM 609207105 840 15,183 SH   SOLE 0 15,183 0 0
Munchener Ruckversicherungs-Gesellschaft AG ADR COM 626188106 229 8,885 SH   SOLE 0 8,885 0 0
Nn Group N V COM 629334103 185 10,460 SH   SOLE 0 10,460 0 0
Ntnl Cinemedia COM 635309107 176 21,512 SH   SOLE 0 21,512 0 0
Nestle ADR COM 641069406 337 3,107 SH   SOLE 0 3,107 0 0
Nextera Energy Inc COM 65339F101 1,905 8,178 SH   SOLE 0 8,178 0 0
Nippon Teleg&Teleph COM 654624105 247 5,160 SH   SOLE 0 5,160 0 0
NW Biotherapeutics COM 66737P600 2 10,000 SH   SOLE 0 10,000 0 0
Novartis AG COM 66987V109 290 3,340 SH   SOLE 0 3,340 0 0
PNC Financial Services COM 693475105 442 3,150 SH   SOLE 0 3,150 0 0
Paychex Inc COM 704326107 965 11,664 SH   SOLE 0 11,664 0 0
Pepsico Inc COM 713448108 1,280 9,339 SH   SOLE 0 9,339 0 0
Pfizer Inc COM 717081103 856 23,816 SH   SOLE 0 23,816 0 0
Phillips 66 COM 718546104 352 3,435 SH   SOLE 0 3,435 0 0
Pool Corp COM 73278L105 241 1,193 SH   SOLE 0 1,193 0 0
Procter & Gamble COM 742718109 14,479 116,412 SH   SOLE 0 116,412 0 0
Prologis Inc COM 74340W103 225 2,641 SH   SOLE 0 2,641 0 0
Realty Income Corp. COM 756109104 593 7,732 SH   SOLE 0 7,732 0 0
Roche Hldg Ltd Spon Adrf COM 771195104 273 7,485 SH   SOLE 0 7,485 0 0
Royal Dutch Shell B Adr COM 780259107 205 3,430 SH   SOLE 0 3,430 0 0
SPDR S&P 600 Small Cap Value S&P 600 SMCP VAL 78464A300 3,158 51,549 SH   SOLE 0 51,549 0 0
Charles Schwab Corp COM 808513105 290 6,941 SH   SOLE 0 6,941 0 0
Schwab U.S. Broad Market ETF US BRD MKT ETF 808524102 1,840 25,903 SH   SOLE 0 25,903 0 0
Schwab Fundamental International Large Cap SCHWB FDT INT LG 808524755 6,019 218,333 SH   SOLE 0 218,333 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 21,915 687,838 SH   SOLE 0 687,838 0 0
Schwab US Agg Bond ETF US AGGREGATE B 808524839 261 4,855 SH   SOLE 0 4,855 0 0
Schwab Intermediate-Term U.S. Treasury ETF INTRM TRM TRES 808524854 1,666 29,978 SH   SOLE 0 29,978 0 0
Sempra Energy COM 816851109 923 6,256 SH   SOLE 0 6,256 0 0
Service Corp Int'l, Inc. COM 817565104 2,509 52,482 SH   SOLE 0 52,482 0 0
Simon Ppty Group New COM 828806109 679 4,361 SH   SOLE 0 4,361 0 0
Sonic Healthcare Ltd COM 83546A203 262 13,800 SH   SOLE 0 13,800 0 0
Starbucks Corp COM 855244109 1,078 12,190 SH   SOLE 0 12,190 0 0
Sysco Corp COM 871829107 384 4,833 SH   SOLE 0 4,833 0 0
Telefonica Brasil S. COM 87936R106 148 11,220 SH   SOLE 0 11,220 0 0
Texas Instruments COM 882508104 1,383 10,700 SH   SOLE 0 10,700 0 0
Texas Roadhouse COM 882681109 211 4,014 SH   SOLE 0 4,014 0 0
Toro Company COM 891092108 241 3,286 SH   SOLE 0 3,286 0 0
US Bancorp COM 902973304 893 16,141 SH   SOLE 0 16,141 0 0
Unilever N V COM 904784709 201 3,340 SH   SOLE 0 3,340 0 0
Utd Overseas Bk COM 911271302 247 6,675 SH   SOLE 0 6,675 0 0
Upm-Kymmene Corp COM 915436208 203 6,875 SH   SOLE 0 6,875 0 0
Valero Energy COM 91913Y100 384 4,505 SH   SOLE 0 4,505 0 0
Vanguard Total Bond Market TOTAL BND MRKT 921937835 29,332 347,415 SH   SOLE 0 347,415 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 6,142 149,501 SH   SOLE 0 149,501 0 0
Vanguard High Dividend Yield Indx ETF HIGH DIV YLD 921946406 23,950 269,917 SH   SOLE 0 269,917 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF FTSE SMCAP ETF 922042718 808 7,923 SH   SOLE 0 7,923 0 0
Vanguard Emerging Market FTSE EMR MKT ETF 922042858 1,448 35,971 SH   SOLE 0 35,971 0 0
Vanguard Short-Term Corp Bond ETF SHRT-TERM CORP 92206C409 27,884 344,039 SH   SOLE 0 344,039 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 710 4,325 SH   SOLE 0 4,325 0 0
Vanguard Russell 1000 ETF VNG RUS1000IDX 92206C730 3,160 23,231 SH   SOLE 0 23,231 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 40,541 148,719 SH   SOLE 0 148,719 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 1,614 8,867 SH   SOLE 0 8,867 0 0
Vanguard Large Value VALUE ETF 922908744 10,977 98,344 SH   SOLE 0 98,344 0 0
Walgreens Boots Alliance Inc. COM 931427108 490 8,853 SH   SOLE 0 8,853 0 0
Wells Fargo & Co COM 949746101 293 5,811 SH   SOLE 0 5,811 0 0
Western Alliance Bnc COM 957638109 248 5,380 SH   SOLE 0 5,380 0 0
Williams Companies COM 969457100 368 15,295 SH   SOLE 0 15,295 0 0
Wisconsin Energy COM 976657106 898 9,438 SH   SOLE 0 9,438 0 0
Wisdomtree Small Cap Dividend SMALLCAP DIVID 97717W604 8,231 300,719 SH   SOLE 0 300,719 0 0
WisdomTree Dynamic Currency Hedged International E CURRNCY INT EQ 97717X263 8,999 312,238 SH   SOLE 0 312,238 0 0
Zurich Insurance Group COM 989825104 258 6,745 SH   SOLE 0 6,745 0 0
GlaxoSmithKline plc (ADR) COM G3910J112 227 5,330 SH   SOLE 0 5,330 0 0
Sapiens Interntnl Corp COM G7T16G103 210 10,690 SH   SOLE 0 10,690 0 0
Logitech Intl S A COM H50430232 222 5,479 SH   SOLE 0 5,479 0 0
Lyondellbasell Inds COM N53745100 448 5,008 SH   SOLE 0 5,008 0 0
Broadcom Ltd COM Y09827109 395 1,430 SH   SOLE 0 1,430 0 0
Corenergy Infrastructure Tru COM 21870U502 250 5,287 SH   SOLE 0 5,287 0 0
Nextera Energy Partn Lp COM 65341B106 225 4,255 SH   SOLE 0 4,255 0 0
Outfront Media Inc COM 69007J106 200 7,204 SH   SOLE 0 7,204 0 0