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
Barings Corporate Investors (M BDFUND 06759X107 5,507 351,916 SH   SOLE   175,958 0 175,958
Barings Participation Inv (MPV BDFUND 06761A103 1,224 75,066 SH   SOLE   37,533 0 37,533
IShares IBonds Sep 2019 Muni ( BDFUND 46429B564 407 16,000 SH   SOLE   8,000 0 8,000
Invesco Bullestshares 2021 (BS BDFUND 46138J700 625 29,480 SH   SOLE   14,740 0 14,740
Metropolitan West Total Return BDFUND 592905103 385 35,359 SH   SOLE   17,680 0 17,680
SPDR Int Corporate Bond ETF (S BDFUND 78464A375 1,312 37,574 SH   SOLE   18,787 0 18,787
SPDR Inv't Grade Floating Rate BDFUND 78468R200 11,316 368,250 SH   SOLE   184,125 0 184,125
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739 3,228 65,974 SH   SOLE   32,987 0 32,987
SPDR Nuveen Bloomberg Municipa BDFUND 78468R721 742 14,800 SH   SOLE   7,400 0 7,400
Schwab Aggregate Bond ETF (SCH BDFUND 808524839 3,040 57,350 SH   SOLE   28,675 0 28,675
Schwab US Tips ETF (SCHP) BDFUND 808524870 2,698 47,920 SH   SOLE   23,960 0 23,960
VanEck Vectors AMT-Free Shrt M BDFUND 92189F528 1,256 71,000 SH   SOLE   35,500 0 35,500
Vanguard Intermediate Corp Bon BDFUND 92206C870 13,116 145,978 SH   SOLE   72,989 0 72,989
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409 26,244 325,284 SH   SOLE   162,642 0 162,642
iShares Floating Rate Note Fun BDFUND 46429B655 700 13,750 SH   SOLE   6,875 0 6,875
iShares National Muni Bond (MU BDFUND 464288414 8,777 77,610 SH   SOLE   38,805 0 38,805
iShares ST Corp Bond (IGSB) BDFUND 464288646 7,650 143,160 SH   SOLE   71,580 0 71,580
iShares Short Term Nat'l Muni BDFUND 464288158 8,151 76,500 SH   SOLE   38,250 0 38,250
iShares TIPS Bond Fund (TIP) BDFUND 464287176 5,956 51,572 SH   SOLE   25,786 0 25,786
BP Prudhoe Bay Rlty Tr (BPT) LP 055630107 466 30,140 SH   SOLE   15,070 0 15,070
H C P Inc Reit (HCP) REIT 40414L109 1,585 49,550 SH   SOLE   24,775 0 24,775
Invesco Mortgage Capital Inc ( REIT 46131B100 345 21,400 SH   SOLE   10,700 0 10,700
Schwab REIT ETF (SCHH) REIT 808524847 1,269 28,550 SH   SOLE   14,275 0 14,275
Vanguard REIT Index ETF (VNQ) REIT 922908553 1,117 12,782 SH   SOLE   6,391 0 6,391
Weyerhauser (WY) REIT 962166104 2,769 105,140 SH   SOLE   52,570 0 52,570
3M Company (MMM) COM 88579Y101 1,570 9,056 SH   SOLE   4,528 0 4,528
A F L A C Inc. (AFL) COM 001055102 1,107 20,200 SH   SOLE   10,100 0 10,100
AT&T Inc. (T) COM 00206R102 1,451 43,308 SH   SOLE   21,654 0 21,654
Abbott Laboratories (ABT) COM 002824100 3,297 39,198 SH   SOLE   19,599 0 19,599
Abbvie Inc (ABBV) COM 00287Y109 1,343 18,467 SH   SOLE   9,233 0 9,233
Accenture PLC (ACN) COM G1151C101 758 4,100 SH   SOLE   2,050 0 2,050
Air Prod & Chemicals (APD) COM 009158106 426 1,884 SH   SOLE   942 0 942
Alphabet Class A (GOOGL) COM 02079K305 686 634 SH   SOLE   317 0 317
Alphabet Class C (GOOG) COM 02079K107 3,688 3,412 SH   SOLE   1,706 0 1,706
Amazon Com Inc (AMZN) COM 023135106 4,946 2,612 SH   SOLE   1,306 0 1,306
Amcor PLC ADR COM Q03080100 967 84,134 SH   SOLE   42,067 0 42,067
Amgen Incorporated (AMGN) COM 031162100 496 2,690 SH   SOLE   1,345 0 1,345
Apple Computer (AAPL) COM 037833100 7,831 39,565 SH   SOLE   19,783 0 19,783
Auto Data Processing (ADP) COM 053015103 767 4,640 SH   SOLE   2,320 0 2,320
Autodesk Inc. (ADSK) COM 052769106 2,321 14,250 SH   SOLE   7,125 0 7,125
BWX Technologies (BWXT) COM 05605H100 737 14,150 SH   SOLE   7,075 0 7,075
Bank of Montreal (BMO) COM 063671101 2,101 27,850 SH   SOLE   13,925 0 13,925
Bank of New York (BK) COM 064058100 422 9,550 SH   SOLE   4,775 0 4,775
Baxter Int'l (BAX) COM 071813109 457 5,580 SH   SOLE   2,790 0 2,790
Becton Dickinson (BDX) COM 075887109 635 2,520 SH   SOLE   1,260 0 1,260
Berkshire Hathaway Cl B (BRKB) COM 084670702 3,312 15,538 SH   SOLE   7,769 0 7,769
BioTelemetry (BEAT) COM 090672106 1,056 21,930 SH   SOLE   10,965 0 10,965
Boeing Company (BA) COM 097023105 965 2,650 SH   SOLE   1,325 0 1,325
Bristol-Myers Squibb (BMY) COM 110122108 865 19,084 SH   SOLE   9,542 0 9,542
CVS Health Corp. (CVS) COM 126650100 1,986 36,456 SH   SOLE   18,228 0 18,228
Canadian National Railway (CNI COM 136375102 509 5,500 SH   SOLE   2,750 0 2,750
Celanese (CE) COM 150870103 1,609 14,930 SH   SOLE   7,465 0 7,465
Check Point Software Tech (CHK COM M22465104 1,942 16,800 SH   SOLE   8,400 0 8,400
Chevron Corp (CVX) COM 166764100 2,160 17,360 SH   SOLE   8,680 0 8,680
Cincinnati Financial (CINF) COM 172062101 673 6,490 SH   SOLE   3,245 0 3,245
Cisco Systems Inc. (CSCO) COM 17275R102 3,941 72,014 SH   SOLE   36,007 0 36,007
Coca Cola Company (KO) COM 191216100 1,046 20,550 SH   SOLE   10,275 0 10,275
Colgate-Palmolive Co. (CL) COM 194162103 1,209 16,870 SH   SOLE   8,435 0 8,435
Comcast Corp NEW CL A (CMCSA) COM 20030N101 1,365 32,276 SH   SOLE   16,138 0 16,138
DR Horton (DHI) COM 23331a109 477 11,050 SH   SOLE   5,525 0 5,525
Danaher Corp (DHR) COM 235851102 670 4,690 SH   SOLE   2,345 0 2,345
Disney Walt Hldg. Co. (DIS) COM 254687106 3,753 26,879 SH   SOLE   13,439 0 13,439
Dominion Energy Inc (D) COM 25746U109 476 6,150 SH   SOLE   3,075 0 3,075
Dow Chemical (DOW) COM 260557103 603 12,234 SH   SOLE   6,117 0 6,117
E.I. DuPont DeNemours (DD) COM 263534109 947 12,612 SH   SOLE   6,306 0 6,306
ETFMG Prime Cyber Security ETF COM 26924G201 1,100 27,670 SH   SOLE   13,835 0 13,835
Enbridge Inc. (ENB) COM 29250N105 436 12,072 SH   SOLE   6,036 0 6,036
Estee Lauder Companies, CL A ( COM 518439104 412 2,250 SH   SOLE   1,125 0 1,125
Exxon Mobil (XOM) COM 30231G102 5,515 71,966 SH   SOLE   35,983 0 35,983
Fastenal Company (FAST) COM 311900104 618 18,952 SH   SOLE   9,476 0 9,476
General Mills, Inc. (GIS) COM 370334104 668 12,720 SH   SOLE   6,360 0 6,360
Gilead Sciences Inc. (GILD) COM 375558103 1,099 16,270 SH   SOLE   8,135 0 8,135
Globalstar Inc. (GSAT) COM 378973408 30 61,980 SH   SOLE   30,990 0 30,990
Graco Inc (GGG) COM 384109104 1,089 21,706 SH   SOLE   10,853 0 10,853
Hamilton Beach Brands Cl A (HB COM 40701T104 1,205 63,278 SH   SOLE   31,639 0 31,639
Hamilton Beach Brands Cl B Res COM 40701T203 1,323 69,452 SH   SOLE   34,726 0 34,726
Heska Corp (HSKA) COM 42805E306 447 5,250 SH   SOLE   2,625 0 2,625
Hologic Inc (HOLX) COM 436440101 1,020 21,246 SH   SOLE   10,623 0 10,623
Home Depot Inc. (HD) COM 437076102 2,781 13,374 SH   SOLE   6,687 0 6,687
Honeywell International (HON) COM 438516106 1,710 9,794 SH   SOLE   4,897 0 4,897
Hormel Foods (HRL) COM 440452100 1,470 36,251 SH   SOLE   18,126 0 18,126
Hyster-Yale Materials Handling COM 449172105 3,372 61,022 SH   SOLE   30,511 0 30,511
Illinois Tool Works Inc (ITW) COM 452308109 1,137 7,540 SH   SOLE   3,770 0 3,770
Inogen, Inc (INGN) COM 45780L104 971 14,542 SH   SOLE   7,271 0 7,271
Intel Corp. (INTC) COM 458140100 3,540 73,944 SH   SOLE   36,972 0 36,972
Intl Business Machines (IBM) COM 459200101 874 6,334 SH   SOLE   3,167 0 3,167
Invesco Water Resource Port (P COM 46137V142 1,174 32,970 SH   SOLE   16,485 0 16,485
J P Morgan Chase & Co (JPM) COM 46625H100 2,869 25,664 SH   SOLE   12,832 0 12,832
J.M. Smuckers Co (SJM) COM 832696405 1,716 14,900 SH   SOLE   7,450 0 7,450
JetBlue Airways Corp (JBLU) COM 477143101 964 52,150 SH   SOLE   26,075 0 26,075
Johnson & Johnson (JNJ) COM 478160104 4,313 30,966 SH   SOLE   15,483 0 15,483
Kohlberg Kravis & Co (KKR) COM 48251W104 2,359 93,350 SH   SOLE   46,675 0 46,675
Korn Ferry International (KFY) COM 500643200 1,006 25,100 SH   SOLE   12,550 0 12,550
LeMaitre Vascular (LMAT) COM 525558201 610 21,790 SH   SOLE   10,895 0 10,895
Levelblox (LVBX) COM 52730P102 0 25,000 SH   SOLE   12,500 0 12,500
Lilly Eli & Company (LLY) COM 532457108 1,454 13,126 SH   SOLE   6,563 0 6,563
Lockheed Martin Corp (LMT) COM 539830109 447 1,230 SH   SOLE   615 0 615
McDonalds Corp (MCD) COM 580135101 1,213 5,842 SH   SOLE   2,921 0 2,921
Medidata Sol'ns (MDSO) COM 58471A105 457 5,050 SH   SOLE   2,525 0 2,525
Merck & Co Inc. (MRK) COM 589331107 1,683 20,074 SH   SOLE   10,037 0 10,037
Microsoft Corp. (MSFT) COM 594918104 5,694 42,505 SH   SOLE   21,252 0 21,252
Moodys Corp. (MCO) COM 615369105 410 2,100 SH   SOLE   1,050 0 1,050
Nacco Inds Inc CL A (NC) COM 629579103 1,852 35,666 SH   SOLE   17,833 0 17,833
National Grid ADS (NGG) COM 636274409 809 15,206 SH   SOLE   7,603 0 7,603
NextEra Energy (NEE) COM 65339F101 1,414 6,900 SH   SOLE   3,450 0 3,450
Norfolk Southern Cop (NSC) COM 655844108 518 2,600 SH   SOLE   1,300 0 1,300
Oracle Corp. (ORCL) COM 68389X105 757 13,296 SH   SOLE   6,648 0 6,648
PPL Corporation (PPL) COM 69351T106 483 15,568 SH   SOLE   7,784 0 7,784
PepsiCo Inc. (PEP) COM 713448108 3,860 29,436 SH   SOLE   14,718 0 14,718
Pfizer Inc (PFE) COM 717081103 2,745 63,373 SH   SOLE   31,686 0 31,686
Phillips 66 (PSX) COM 718546104 1,418 15,154 SH   SOLE   7,577 0 7,577
Procter & Gamble (PG) COM 742718109 2,869 26,168 SH   SOLE   13,084 0 13,084
ROBO Gbl Robotics & Auto'n ETF COM 301505707 1,050 26,300 SH   SOLE   13,150 0 13,150
SPDR Biotech ETF (XBI) COM 78464A870 443 5,050 SH   SOLE   2,525 0 2,525
SYNNEX Corp (SNX) COM 87162W100 704 7,150 SH   SOLE   3,575 0 3,575
Schlumberger Ltd (SLB) COM 806857108 1,416 35,628 SH   SOLE   17,814 0 17,814
Scotts Company (SMG) COM 810186106 752 7,630 SH   SOLE   3,815 0 3,815
Smith & Nephew (SNN) COM 83175M205 1,459 33,500 SH   SOLE   16,750 0 16,750
Sonoco Products (SON) COM 835495102 2,039 31,200 SH   SOLE   15,600 0 15,600
Southwest Airlines (LUV) COM 844741108 830 16,350 SH   SOLE   8,175 0 8,175
Standard Motor Products (SMP) COM 853666105 698 15,402 SH   SOLE   7,701 0 7,701
Starbucks Corp. (SBUX) COM 855244109 679 8,100 SH   SOLE   4,050 0 4,050
State Street Corp (STT) COM 857477103 829 14,794 SH   SOLE   7,397 0 7,397
Stryker Corp. (SYK) COM 863667101 619 3,010 SH   SOLE   1,505 0 1,505
SunTrust Banks (STI) COM 867914103 482 7,670 SH   SOLE   3,835 0 3,835
Sysco Corp. (SYY) COM 871829107 2,097 29,650 SH   SOLE   14,825 0 14,825
T Rowe Price Group (TROW) COM 74144T108 822 7,490 SH   SOLE   3,745 0 3,745
TJX Cos Inc (TJX) COM 872540109 3,300 62,404 SH   SOLE   31,202 0 31,202
Taiwan Semiconductor ADRF Spon COM 874039100 868 22,150 SH   SOLE   11,075 0 11,075
Target Corporation (TGT) COM 87612E106 1,379 15,918 SH   SOLE   7,959 0 7,959
Texas Instruments Inc (TXN) COM 882508104 951 8,290 SH   SOLE   4,145 0 4,145
The Trading Desk Inc (TTD) COM 88339J105 508 2,230 SH   SOLE   1,115 0 1,115
Travelers Companies Inc. (TRV) COM 89417E109 486 3,250 SH   SOLE   1,625 0 1,625
Trex Inc (TREX) COM 89531P105 1,620 22,590 SH   SOLE   11,295 0 11,295
Tyson Foods (TSN) COM 902494103 1,046 12,950 SH   SOLE   6,475 0 6,475
US Bancorp (USB) COM 902973304 2,366 45,150 SH   SOLE   22,575 0 22,575
Ulta Beauty (ULTA) COM 903845303 1,814 5,230 SH   SOLE   2,615 0 2,615
Unilever NV NY SHS NEWF (UN) COM 904784709 950 15,640 SH   SOLE   7,820 0 7,820
Union Pacific Corp. (UNP) COM 907818108 657 3,886 SH   SOLE   1,943 0 1,943
United Technologies (UTX) COM 913017109 3,293 25,290 SH   SOLE   12,645 0 12,645
Unitedhealth Group Inc. (UNH) COM 91324P102 788 3,230 SH   SOLE   1,615 0 1,615
VMware (VMW) COM 928563402 448 2,680 SH   SOLE   1,340 0 1,340
Verisk Analytics (VRSK) COM 92345Y106 1,853 12,650 SH   SOLE   6,325 0 6,325
Verizon Communications (VZ) COM 92343V104 2,733 47,836 SH   SOLE   23,918 0 23,918
Visa Inc (V) COM 92826C839 870 5,014 SH   SOLE   2,507 0 2,507
WalMart Inc. (WMT) COM 931142103 458 4,144 SH   SOLE   2,072 0 2,072
Wells Fargo & Co. (WFC) COM 949746101 1,557 32,906 SH   SOLE   16,453 0 16,453
Zimmer Biomet Holdings Inc. (Z COM 98956P102 640 5,436 SH   SOLE   2,718 0 2,718
IShares S&P 100 Index (OEF) ETF 464287101 687 5,300 SH   SOLE   2,650 0 2,650
Invesco S&P 500 Equal Weighted ETF 46137V357 3,972 36,844 SH   SOLE   18,422 0 18,422
Invesco SP500 Hi Div Low Vol ( ETF 46138E362 742 17,623 SH   SOLE   8,812 0 8,812
SPDR S&P 500 High Div ETF (SPY ETF 78468r788 1,522 40,020 SH   SOLE   20,010 0 20,010
SPDR S&P Dividend ETF (SDY) ETF 78464A763 757 7,500 SH   SOLE   3,750 0 3,750
SPDR S&P Midcap 400 (MDY) ETF 78467Y107 14,375 40,540 SH   SOLE   20,270 0 20,270
SPDR Trust S&P 500 (SPY) ETF 78462F103 536 1,830 SH   SOLE   915 0 915
Schwab Large Cap Growth ETF (S ETF 808524300 6,340 76,187 SH   SOLE   38,094 0 38,094
Schwab Large Cap US ETF (SCHX) ETF 808524201 1,402 19,970 SH   SOLE   9,985 0 9,985
Schwab US Broad Market ETF (SC ETF 808524102 4,973 70,510 SH   SOLE   35,255 0 35,255
Schwab US Mid Cap ETF (SCHM) ETF 808524508 8,936 156,530 SH   SOLE   78,265 0 78,265
Schwab US Small Cap ETF (SCHA) ETF 808524607 6,543 91,540 SH   SOLE   45,770 0 45,770
Vanguard Mid Cap ETF (VO) ETF 922908629 853 5,100 SH   SOLE   2,550 0 2,550
Vanguard S&P 500 ETF (VOO) ETF 922908363 6,196 23,020 SH   SOLE   11,510 0 11,510
Vanguard Small Cap Growth (VBK ETF 922908595 2,802 15,050 SH   SOLE   7,525 0 7,525
iShares S&P US Preferred Stock ETF 464288687 2,074 56,290 SH   SOLE   28,145 0 28,145
I Shares India 50 ETF (INDY) ETF 464289529 2,824 73,570 SH   SOLE   36,785 0 36,785
IShares Min Volatility EAFE In ETF 43429B689 675 9,290 SH   SOLE   4,645 0 4,645
IShares S&P Global 100 ETF (IO ETF 464287572 821 16,800 SH   SOLE   8,400 0 8,400
Ishares MSCI Ireland ETF (EIRL ETF 46429B507 969 23,290 SH   SOLE   11,645 0 11,645
Schwab Emerging Markets ETF (S ETF 808524706 3,252 123,950 SH   SOLE   61,975 0 61,975
Schwab Int'l Small Cap Equity ETF 808524888 2,258 69,180 SH   SOLE   34,590 0 34,590
Schwab International Equity ET ETF 808524805 8,980 279,850 SH   SOLE   139,925 0 139,925
Vanguard Total World Stock Mar ETF 922042742 716 9,520 SH   SOLE   4,760 0 4,760
iShares MSCI Canada Index Fund ETF 464286509 857 29,930 SH   SOLE   14,965 0 14,965
iShares TR MSCI EAFE Fd (EFA) ETF 464287465 3,661 55,702 SH   SOLE   27,851 0 27,851