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
A S E Industrial Holdi COM 00215W100 118 31,520 SH   SOLE 0 31,520 0 0
Abbott Laboratories COM 002824100 549 6,954 SH   SOLE 0 6,954 0 0
Abbvie Inc COM 00287Y109 380 4,990 SH   SOLE 0 4,990 0 0
Air Products & Chemicals Inc COM 009158106 830 4,158 SH   SOLE 0 4,158 0 0
Amgen Inc. COM 031162100 340 1,678 SH   SOLE 0 1,678 0 0
Apple Inc COM 037833100 1,386 5,449 SH   SOLE 0 5,449 0 0
Automatic Data Processing COM 053015103 681 4,983 SH   SOLE 0 4,983 0 0
BCE, Inc. COM 05534B760 207 5,075 SH   SOLE 0 5,075 0 0
Berkshire Hath. Cl B COM 084670207 209 1,145 SH   SOLE 0 1,145 0 0
Blackrock Inc COM 09247X101 728 1,654 SH   SOLE 0 1,654 0 0
British American Tobacco PLC ADR COM 110448107 206 6,025 SH   SOLE 0 6,025 0 0
Chevron Corp COM 166764100 651 8,985 SH   SOLE 0 8,985 0 0
Cisco Systems COM 17275R102 932 23,698 SH   SOLE 0 23,698 0 0
Coca Cola COM 191216100 343 7,743 SH   SOLE 0 7,743 0 0
Comcast Corp Cl A COM 20030N101 379 11,015 SH   SOLE 0 11,015 0 0
Crown Castle International Corp COM 22822V101 996 6,897 SH   SOLE 0 6,897 0 0
Duke Energy Corporation COM 26441C105 422 5,223 SH   SOLE 0 5,223 0 0
Emisphere Tech COM 291345106 117 21,019 SH   SOLE 0 21,019 0 0
Exxon Mobil Corp COM 30231G102 242 6,366 SH   SOLE 0 6,366 0 0
Facebook Inc COM 30303M102 235 1,408 SH   SOLE 0 1,408 0 0
Home Depot COM 437076102 1,157 6,199 SH   SOLE 0 6,199 0 0
Honeywell International COM 438516106 844 6,310 SH   SOLE 0 6,310 0 0
Iberdrola S A COM 450737101 236 6,055 SH   SOLE 0 6,055 0 0
Illinois Tool Works COM 452308109 447 3,147 SH   SOLE 0 3,147 0 0
iShares Mstar Large Core LRGE CORE INDX 464287127 251 1,715 SH   SOLE 0 1,715 0 0
iShares S&P 500 Index S&P 500 INDEX 464287200 1,273 4,926 SH   SOLE 0 4,926 0 0
iShares Barclays Agg Bond BARCLYS US AGG B 464287226 1,324 11,473 SH   SOLE 0 11,473 0 0
Ishares S&P 500 Growth S&P 500 GRWT ETF 464287309 212 1,284 SH   SOLE 0 1,284 0 0
iShares S&P Midcap 400 CORE S&P MCP ETF 464287507 359 2,497 SH   SOLE 0 2,497 0 0
iShares Russell 1000 Value RUSSELL1000VAL 464287598 883 8,903 SH   SOLE 0 8,903 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 735 4,880 SH   SOLE 0 4,880 0 0
iShares Russell 1000 Index RUSSELL 1000 464287622 13,162 92,995 SH   SOLE 0 92,995 0 0
iShares Russell 2000 Value Idx RUSL 2000 VALU 464287630 411 5,015 SH   SOLE 0 5,015 0 0
iShares Russell 2000 Idx RUSSELL 2000 ETF 464287655 2,028 17,715 SH   SOLE 0 17,715 0 0
iShares S&P Smallcap 600 CORE S&P SCP ETF 464287804 15,261 271,981 SH   SOLE 0 271,981 0 0
iShares Short Treasury Fund SHORT TREAS BD 464288679 19,767 178,049 SH   SOLE 0 178,049 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 12,351 247,567 SH   SOLE 0 247,567 0 0
iShares Core MSCI Emerging Markets CORE MSCI EMKT 46434G103 3,651 90,217 SH   SOLE 0 90,217 0 0
JPMorgan Chase & Co COM 46625H100 1,297 14,408 SH   SOLE 0 14,408 0 0
Johnson & Johnson COM 478160104 1,037 7,910 SH   SOLE 0 7,910 0 0
Lilly Eli & Co COM 532457108 575 4,142 SH   SOLE 0 4,142 0 0
Lloyds Banking Gp Adr COM 539439109 59 38,840 SH   SOLE 0 38,840 0 0
Lockheed Martin Corp COM 539830109 1,009 2,978 SH   SOLE 0 2,978 0 0
Manulife Finl COM 56501R106 137 10,915 SH   SOLE 0 10,915 0 0
Marsh & McLennan COM 571748102 575 6,645 SH   SOLE 0 6,645 0 0
Maxim Integrated Prods COM 57772K101 261 5,377 SH   SOLE 0 5,377 0 0
McDonalds Corp COM 580135101 979 5,919 SH   SOLE 0 5,919 0 0
Medical Svcs Intl Cl A COM 58463C101 0 50,000 SH   SOLE 0 50,000 0 0
Medtronic Inc. COM 585055106 653 7,236 SH   SOLE 0 7,236 0 0
Merck & Co COM 589331107 628 8,166 SH   SOLE 0 8,166 0 0
Microsoft COM 594918104 960 6,086 SH   SOLE 0 6,086 0 0
Mondelez Intl Inc Cl A COM 609207105 872 17,405 SH   SOLE 0 17,405 0 0
Nn Group N V COM 629334103 142 10,460 SH   SOLE 0 10,460 0 0
Nestle ADR COM 641069406 285 2,767 SH   SOLE 0 2,767 0 0
Nextera Energy Inc COM 65339F101 1,588 6,600 SH   SOLE 0 6,600 0 0
Nippon Teleg&Teleph COM 654624105 208 8,795 SH   SOLE 0 8,795 0 0
NW Biotherapeutics COM 66737P600 2 10,000 SH   SOLE 0 10,000 0 0
Novartis AG COM 66987V109 224 2,720 SH   SOLE 0 2,720 0 0
PNC Financial Services COM 693475105 459 4,799 SH   SOLE 0 4,799 0 0
Paychex Inc COM 704326107 617 9,807 SH   SOLE 0 9,807 0 0
Pepsico Inc COM 713448108 1,079 8,980 SH   SOLE 0 8,980 0 0
Pfizer Inc COM 717081103 458 14,032 SH   SOLE 0 14,032 0 0
Procter & Gamble COM 742718109 12,430 112,997 SH   SOLE 0 112,997 0 0
Prologis Inc COM 74340W103 222 2,760 SH   SOLE 0 2,760 0 0
Realty Income Corp. COM 756109104 354 7,106 SH   SOLE 0 7,106 0 0
Roche Hldg Ltd Spon Adrf COM 771195104 214 5,265 SH   SOLE 0 5,265 0 0
S&P 500 Index SPDR TR UNIT 78462F103 214 829 SH   SOLE 0 829 0 0
SPDR S&P 600 Small Cap Value S&P 600 SMCP VAL 78464A300 4,549 111,320 SH   SOLE 0 111,320 0 0
Sanofi SA ADR COM 80105N105 214 4,890 SH   SOLE 0 4,890 0 0
Charles Schwab Corp COM 808513105 233 6,941 SH   SOLE 0 6,941 0 0
Schwab U.S. Broad Market ETF US BRD MKT ETF 808524102 1,615 26,733 SH   SOLE 0 26,733 0 0
Schwab U.S. Small Cap ETF US SML CAP ETF 808524607 487 9,443 SH   SOLE 0 9,443 0 0
Schwab Fundamental International Large Cap SCHWB FDT INT LG 808524755 4,576 217,585 SH   SOLE 0 217,585 0 0
Schwab Fundamental US Small Cap SCHWAB FDT US SC 808524763 238 9,209 SH   SOLE 0 9,209 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 18,030 697,771 SH   SOLE 0 697,771 0 0
Schwab Intermediate-Term U.S. Treasury ETF INTRM TRM TRES 808524854 1,613 27,444 SH   SOLE 0 27,444 0 0
Sempra Energy COM 816851109 621 5,497 SH   SOLE 0 5,497 0 0
Service Corp Int'l, Inc. COM 817565104 1,896 48,482 SH   SOLE 0 48,482 0 0
Sonic Healthcare Ltd COM 83546A203 205 13,800 SH   SOLE 0 13,800 0 0
Starbucks Corp COM 855244109 712 10,831 SH   SOLE 0 10,831 0 0
Texas Instruments COM 882508104 954 9,548 SH   SOLE 0 9,548 0 0
Truist Finl Corp COM 89832Q109 678 21,993 SH   SOLE 0 21,993 0 0
US Bancorp COM 902973304 500 14,517 SH   SOLE 0 14,517 0 0
Unilever N V COM 904784709 201 4,115 SH   SOLE 0 4,115 0 0
Vanguard Div Apprciation DIV APP ETF 921908844 1,717 16,608 SH   SOLE 0 16,608 0 0
Vanguard Total Bond Market TOTAL BND MRKT 921937835 30,739 360,150 SH   SOLE 0 360,150 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 7,772 233,104 SH   SOLE 0 233,104 0 0
Vanguard High Dividend Yield Indx ETF HIGH DIV YLD 921946406 18,283 258,418 SH   SOLE 0 258,418 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF FTSE SMCAP ETF 922042718 784 10,017 SH   SOLE 0 10,017 0 0
Vanguard Emerging Market FTSE EMR MKT ETF 922042858 3,059 91,164 SH   SOLE 0 91,164 0 0
Vanguard Short-Term Corp Bond ETF SHRT-TERM CORP 92206C409 5,675 71,750 SH   SOLE 0 71,750 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 660 4,264 SH   SOLE 0 4,264 0 0
Vanguard Russell 1000 ETF VNG RUS1000IDX 92206C730 2,363 20,157 SH   SOLE 0 20,157 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 37,188 157,033 SH   SOLE 0 157,033 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 1,223 8,136 SH   SOLE 0 8,136 0 0
Vanguard Large Value VALUE ETF 922908744 8,825 99,088 SH   SOLE 0 99,088 0 0
Verizon Communications COM 92343V104 581 10,815 SH   SOLE 0 10,815 0 0
Walgreens Boots Alliance Inc. COM 931427108 636 13,898 SH   SOLE 0 13,898 0 0
Wisconsin Energy COM 976657106 756 8,583 SH   SOLE 0 8,583 0 0
Wisdomtree Small Cap Dividend SMALLCAP DIVID 97717W604 5,124 284,341 SH   SOLE 0 284,341 0 0
WisdomTree Dynamic Currency Hedged International E CURRNCY INT EQ 97717X263 7,018 306,866 SH   SOLE 0 306,866 0 0
Zurich Insurance Group COM 989825104 238 6,745 SH   SOLE 0 6,745 0 0
GlaxoSmithKline plc (ADR) COM G3910J112 217 5,715 SH   SOLE 0 5,715 0 0
Ubs Group Ag COM H42097107 140 15,165 SH   SOLE 0 15,165 0 0
Broadcom Ltd COM Y09827109 506 2,135 SH   SOLE 0 2,135 0 0