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
Vanguard Small Cap Common 922908751 27,524 122,176 SH   SOLE   1,329 0 120,847
Berkshire Hathaway Cl B Class B 084670207 26,527 95,447 SH   SOLE   17,854 0 77,593
Apple Inc. Common 037833100 22,031 160,855 SH   SOLE   135,370 0 25,485
Vanguard Div Apprciation Common 921908844 21,804 140,860 SH   SOLE   14,812 0 126,048
Vanguard Growth ETF Common 922908736 20,603 71,834 SH   SOLE   3,988 0 67,846
US Div Equity Schwab ETF Common 808524797 19,596 259,136 SH   SOLE   27,822 0 231,314
iShares Russell 1000 Growth In Common 464287614 19,247 70,895 SH   SOLE   156 0 70,739
iShares Barclays Aggregate Bon Common 464287226 17,565 152,303 SH   SOLE   4,981 0 147,322
Vanguard Mid Cap Common 922908629 16,729 70,482 SH   SOLE   3,231 0 67,251
Vanguard Tax Ex Bond Index Common 922907746 14,442 261,150 SH   SOLE   0 0 261,150
iShrs Russell Midcap Growth Common 464287481 14,390 127,120 SH   SOLE   1,548 0 125,572
Microsoft Corp. Common 594918104 13,674 50,475 SH   SOLE   45,244 0 5,231
Vanguard Value ETF Common 922908744 13,413 97,575 SH   SOLE   12,400 0 85,175
Vanguard Europe Pac ETF Common 921943858 12,782 248,106 SH   SOLE   2,081 0 246,025
Accenture Common G1151C101 12,120 41,115 SH   SOLE   32,948 0 8,167
Spdr S&P Dividend Etf Common 78464A763 11,961 97,820 SH   SOLE   0 0 97,820
Thermo Fisher Scientific Common 883556102 11,831 23,452 SH   SOLE   20,847 0 2,605
Blackrock Inc. Common 09247X101 11,724 13,399 SH   SOLE   10,961 0 2,438
Walt Disney Co. Common 254687106 11,175 63,578 SH   SOLE   50,341 0 13,237
JPM Ultra Short Income ETF Common 46641Q837 10,374 204,462 SH   SOLE   166,779 0 37,683
Vanguard REIT Common 922908553 10,102 99,241 SH   SOLE   3,451 0 95,790
iShares Barclays 1-3 Yr Treasu Common 464287457 10,071 116,892 SH   SOLE   13,352 0 103,540
1/100 Berkshire Htwy Cla Common 084990175 9,209 2,200 SH   SOLE   0 0 2,200
Alphabet Inc A Class A 02079K305 8,522 3,490 SH   SOLE   3,060 0 430
Illinois Tool Works Inc Common 452308109 8,031 35,924 SH   SOLE   28,209 0 7,715
Mastercard Common 57636Q104 7,532 20,630 SH   SOLE   18,561 0 2,069
Amgen Common 031162100 7,383 30,290 SH   SOLE   23,544 0 6,746
Vanguard Intl Dividend Common 921946810 6,683 76,399 SH   SOLE   64,316 0 12,083
Vanguard Mid Cap Value ETF Common 922908512 6,681 47,552 SH   SOLE   2,154 0 45,398
Stryker Corp Common 863667101 6,351 24,454 SH   SOLE   19,284 0 5,170
Republic Services Inc Common 760759100 6,174 56,120 SH   SOLE   42,555 0 13,565
Procter & Gamble Common 742718109 6,119 45,347 SH   SOLE   33,964 0 11,383
Home Depot Common 437076102 6,048 18,965 SH   SOLE   16,275 0 2,690
Johnson & Johnson Common 478160104 6,046 36,697 SH   SOLE   27,659 0 9,038
JP Morgan Chase & Co Common 46625H100 6,030 38,768 SH   SOLE   33,728 0 5,040
SPDR Nuveen Barclays Short Ter Common 78468R739 5,879 118,615 SH   SOLE   0 0 118,615
iShares MSCI EAFE Common 464287465 5,835 73,969 SH   SOLE   634 0 73,335
Vanguard Small Cap Value ETF Common 922908611 5,590 32,191 SH   SOLE   1,409 0 30,782
Ishares Tr Russell 2000 Value Common 464287630 5,449 32,873 SH   SOLE   0 0 32,873
Church & Dwight Co Inc Common 171340102 5,398 63,337 SH   SOLE   47,000 0 16,337
iShares U S Real Estate ETF Common 464287739 5,166 50,674 SH   SOLE   2,243 0 48,431
Cisco Systems Common 17275R102 5,081 95,860 SH   SOLE   75,736 0 20,124
Vanguard Large Cap Common 922908637 4,960 24,707 SH   SOLE   957 0 23,750
Goldman Sachs Group Common 38141G109 4,818 12,695 SH   SOLE   10,745 0 1,950
McDonalds Corp. Common 580135101 4,524 19,587 SH   SOLE   15,340 0 4,247
Oracle Corp. Common 68389X105 4,516 58,011 SH   SOLE   49,283 0 8,728
Automatic Data Processing Common 053015103 4,209 21,192 SH   SOLE   17,714 0 3,478
iShares Russell Mid Cap Common 464287499 4,171 52,637 SH   SOLE   416 0 52,221
Starbucks Corp Common 855244109 4,083 36,513 SH   SOLE   29,535 0 6,978
Mid Cap SPDR Trust Common 595635103 4,051 8,251 SH   SOLE   615 0 7,636
AbbVie Inc. Common 00287Y109 4,010 35,602 SH   SOLE   29,632 0 5,970
Abbott Labs Common 002824100 3,804 32,817 SH   SOLE   24,472 0 8,345
iShares Russell 2000 Growth Common 464287648 3,782 12,135 SH   SOLE   350 0 11,785
3M Co. Common 88579Y101 3,666 18,455 SH   SOLE   15,471 0 2,984
Canadian Natl Ry Co Common 136375102 3,645 34,546 SH   SOLE   26,315 0 8,231
Intel Common 458140100 3,443 61,322 SH   SOLE   48,231 0 13,091
VF Corp Common 918204108 3,439 41,915 SH   SOLE   31,595 0 10,320
Vanguard Corp Bond Etf Common 92206C409 3,389 40,970 SH   SOLE   12,522 0 28,448
Intl Equity: Schwab ETF Common 808524805 3,211 81,400 SH   SOLE   74,499 0 6,901
Foreign LgCap Equity: Vanguard Common 922042775 3,193 50,371 SH   SOLE   3,225 0 47,146
Merck & Co Inc Common 58933Y105 3,185 40,953 SH   SOLE   33,206 0 7,747
Exxon Mobil Corp. Common 30231G102 3,174 50,318 SH   SOLE   43,025 0 7,293
JPM Ultra Short Muni Common 46641Q654 3,168 62,060 SH   SOLE   54,269 0 7,791
Vanguard Mid Cap Growth ETF Common 922908538 3,055 12,927 SH   SOLE   1,701 0 11,226
PIMCO Enh Short Maturity ETF Common 72201R833 3,037 29,783 SH   SOLE   27,183 0 2,600
US REIT: Schwab ETF Common 808524847 2,948 64,375 SH   SOLE   59,891 0 4,484
Ishares Tr Russell 1000 Index Common 464287622 2,911 12,026 SH   SOLE   0 0 12,026
Vanguard Mortgage Backed Common 92206C771 2,843 53,268 SH   SOLE   42,803 0 10,465
Vanguard Inl High Div Yield ET Common 921946794 2,813 41,376 SH   SOLE   33,656 0 7,720
Intl Flavors & Fragrances Inc Common 459506101 2,711 18,145 SH   SOLE   13,969 0 4,176
Packaging Corp Common 695156109 2,650 19,570 SH   SOLE   16,200 0 3,370
US MidCap Equity: Schwab ETF Common 808524508 2,637 33,688 SH   SOLE   28,729 0 4,959
Ishares Russell Midcap Value Common 464287473 2,590 22,522 SH   SOLE   0 0 22,522
Linde Common G5494J103 2,564 8,869 SH   SOLE   6,729 0 2,140
Chevron Corp. Common 166764100 2,433 23,233 SH   SOLE   19,156 0 4,077
Novartis Common 66987V109 2,379 26,072 SH   SOLE   19,882 0 6,190
Bond BulletShrs 2022 Common 46138J882 2,183 101,092 SH   SOLE   87,323 0 13,769
Wisdomtree Japan Tot Div Common 97717W851 2,141 35,092 SH   SOLE   30,322 0 4,770
Raytheon Technologies Common 75513E101 2,095 24,552 SH   SOLE   20,942 0 3,610
US Large Cap Value: Schwab ETF Common 808524409 1,940 28,372 SH   SOLE   24,355 0 4,017
Bond BulletShrs 2023 Common 46138J866 1,917 88,224 SH   SOLE   70,504 0 17,720
Genuine Parts Co Common 372460105 1,852 14,640 SH   SOLE   11,059 0 3,581
Bond BulletShrs 2021 Common 46138J700 1,803 85,472 SH   SOLE   71,894 0 13,578
Bond BulletShrs 2024 Common 46138J841 1,792 80,779 SH   SOLE   68,142 0 12,637
General Dynamics Corp. Common 369550108 1,726 9,168 SH   SOLE   8,023 0 1,145
FedEx Corp. Common 31428X106 1,719 5,762 SH   SOLE   5,095 0 667
Honeywell International Common 438516106 1,711 7,802 SH   SOLE   7,592 0 210
International Business Machine Common 459200101 1,711 11,674 SH   SOLE   3,322 0 8,352
Citizens Financial Group Inc Common 174610105 1,704 37,140 SH   SOLE   28,340 0 8,800
Pfizer Inc. Common 717081103 1,696 43,311 SH   SOLE   20,802 0 22,509
Shopify Inc Common 82509L107 1,661 1,137 SH   SOLE   1,034 0 103
iShares Russell 2000 Common 464287655 1,650 7,193 SH   SOLE   508 0 6,685
Nestle SA Common 641069406 1,585 12,710 SH   SOLE   10,539 0 2,171
Schwab Short Term US Treasury Common 808524862 1,492 29,137 SH   SOLE   25,819 0 3,318
Amazon Com Inc Common 023135106 1,462 425 SH   SOLE   314 0 111
Clorox Company Common 189054109 1,386 7,705 SH   SOLE   6,080 0 1,625
U S Bancorp Common 902973304 1,384 24,293 SH   SOLE   18,963 0 5,330
Emerson Electric Common 291011104 1,332 13,840 SH   SOLE   12,290 0 1,550
Vanguard Emerging Market Common 922042858 1,332 24,523 SH   SOLE   12,423 0 12,100
Constellation Brand Common 21036P108 1,299 5,556 SH   SOLE   4,578 0 978
iShares JPM USD Emerging Mkts Common 464288281 1,267 11,270 SH   SOLE   8,355 0 2,915
Norfolk & Southern Common 655844108 1,245 4,690 SH   SOLE   4,590 0 100
Pub Svc Ent Group Inc Common 744573106 1,244 20,826 SH   SOLE   17,251 0 3,575
Medtronic PLC Common G5960L103 1,230 9,905 SH   SOLE   7,650 0 2,255
Vanguard Ultra Short Common 92203C303 1,198 23,900 SH   SOLE   20,800 0 3,100
Interm US Treas: Schwab ETF Common 808524854 1,187 20,873 SH   SOLE   16,873 0 4,000
T Rowe Price Group Inc Common 74144T108 1,175 5,935 SH   SOLE   4,319 0 1,616
Novo-Nordisk A-S Common 670100205 1,169 13,960 SH   SOLE   10,925 0 3,035
Alphabet Inc. C Class C 02079K107 1,155 461 SH   SOLE   444 0 17
CVS Caremark Corp. Common 126650100 1,153 13,818 SH   SOLE   10,140 0 3,678
iShares Russell 1000 Value Ind Common 464287598 1,140 7,187 SH   SOLE   127 0 7,060
American Express Co. Common 025816109 1,132 6,854 SH   SOLE   5,329 0 1,525
Abiomed Inc Common 003654100 1,094 3,505 SH   SOLE   3,505 0 0
Wisdomtree Tr US Midcap Divid Common 97717W505 1,076 25,661 SH   SOLE   21,240 0 4,421
iShares Core MSCI Emerging Mkt Common 46434G103 1,071 15,986 SH   SOLE   3,393 0 12,593
NextEra Energy Common 65339F101 1,056 14,409 SH   SOLE   13,609 0 800
Bond BulletShrs 2025 Common 46138J825 1,043 46,742 SH   SOLE   38,601 0 8,141
US Lgcap Equity: Schwab ETF Common 808524201 1,036 9,963 SH   SOLE   9,350 0 613
Kroger Company Common 501044101 1,035 27,005 SH   SOLE   22,755 0 4,250
Coca-Cola Common 191216100 1,001 18,506 SH   SOLE   17,381 0 1,125
SPDR Utilities Sector Common 81369Y886 980 15,495 SH   SOLE   12,960 0 2,535
Roche Hldg Ltd ADR Common 771195104 952 20,250 SH   SOLE   18,850 0 1,400
Vanguard SmallCap Growth Common 922908598 928 3,202 SH   SOLE   174 0 3,028
iShares GNMA Bond ETF Common 46429B333 912 18,245 SH   SOLE   13,155 0 5,090
S P D R TRUST Unit SR Common 78462F103 901 2,104 SH   SOLE   1,892 0 212
Skyworks Solutions Common 83088M102 894 4,660 SH   SOLE   3,888 0 772
Illumina Inc Common 452327109 885 1,870 SH   SOLE   1,805 0 65
iShares S&P Midcap Common 464287507 879 3,270 SH   SOLE   1,937 0 1,333
Qualcomm Inc. Common 747525103 876 6,128 SH   SOLE   5,385 0 743
Sensata Technology Common N7902X106 871 15,025 SH   SOLE   13,625 0 1,400
US Agg Bond ETF: Schwab Common 808524839 867 15,882 SH   SOLE   14,947 0 935
Emging Mkt Equity: Schwab ETF Common 808524706 867 26,356 SH   SOLE   11,347 0 15,009
Colgate Palmolive Common 194162103 836 10,281 SH   SOLE   8,346 0 1,935
Bristol Myers Common 110122108 810 12,116 SH   SOLE   8,550 0 3,566
US Lg-Cap Growth: Schwab ETF Common 808524300 800 5,484 SH   SOLE   4,460 0 1,024
Carrier Global Corporation Com Common 14448C104 798 16,413 SH   SOLE   13,363 0 3,050
Danaher Corp Common 235851102 795 2,961 SH   SOLE   2,961 0 0
AT&T Corp. Common 00206R102 789 27,402 SH   SOLE   23,014 0 4,388
Ross Stores Common 778296103 764 6,161 SH   SOLE   6,161 0 0
Verizon Communications Common 92343V104 745 13,296 SH   SOLE   12,796 0 500
Duke Energy Common 26441C204 729 7,385 SH   SOLE   5,100 0 2,285
Union Pacific Corp Common 907818108 722 3,281 SH   SOLE   261 0 3,020
D X C Technology Co Common 23355L106 713 18,310 SH   SOLE   14,113 0 4,197
Vanguard Short Term Gov't Common 92206C102 700 11,399 SH   SOLE   9,774 0 1,625
Visa Inc Cl A Common 92826C839 683 2,920 SH   SOLE   2,920 0 0
Global X MLP ETF Common 37950E473 638 16,505 SH   SOLE   14,612 0 1,893
Vanguard Intl Real Estate ETF Common 922042676 634 10,859 SH   SOLE   10,271 0 588
JP Morgan Int'l Growth ETF Common 46641Q324 613 7,847 SH   SOLE   7,297 0 550
iShares Barclays TIPS Common 464287176 613 4,790 SH   SOLE   4,790 0 0
Primary Bank Common 74166J103 612 36,000 SH   SOLE   0 0 36,000
2021 iShares Muni Common 46435G789 584 22,795 SH   SOLE   14,730 0 8,065
Hexcel Corp New Common 428291108 584 9,361 SH   SOLE   5,686 0 3,675
iShares S&P 500 Growth Common 464287309 567 7,794 SH   SOLE   3,640 0 4,154
iShares Barclays 3-7 Year Bond Common 464288661 542 4,153 SH   SOLE   600 0 3,553
iShares S&P 500 Value ETF Common 464287408 533 3,611 SH   SOLE   1,605 0 2,006
EOG Resources Inc Common 26875P101 531 6,365 SH   SOLE   6,010 0 355
Philip Morris Intl Inc Common 718172109 529 5,341 SH   SOLE   5,341 0 0
2022 iShares Muni Common 46435G755 519 19,765 SH   SOLE   12,440 0 7,325
Trex Company Inc Common 89531P105 511 5,000 SH   SOLE   0 0 5,000
Schlumberger Ltd. Common 806857108 510 15,948 SH   SOLE   13,090 0 2,858
US TIPS: Schwab ETF Common 808524870 507 8,112 SH   SOLE   6,817 0 1,295
Amer Electric Pwr Co Inc Common 025537101 500 5,906 SH   SOLE   4,156 0 1,750
Alibaba Group Hldg ADR Common 01609W102 484 2,136 SH   SOLE   136 0 2,000
SPDR S&P 600 Small Cap Value Common 78464A300 477 5,570 SH   SOLE   5,152 0 418
Vanguard Short Term Bond ETF Common 921937827 454 5,525 SH   SOLE   5,525 0 0
Nike Inc Class B Class B 654106103 446 2,890 SH   SOLE   2,890 0 0
2023 iShares Muni Common 46435G318 437 16,725 SH   SOLE   10,000 0 6,725
Zimmer Biomet Holdings Common 98956P102 436 2,713 SH   SOLE   1,790 0 923
Cigna Corp Common 125509109 432 1,824 SH   SOLE   1,709 0 115
Vanguard Utilities ETF Common 92204A876 430 3,102 SH   SOLE   2,702 0 400
Eli Lilly & Co. Common 532457108 429 1,867 SH   SOLE   1,867 0 0
Sherwin Williams Co Common 824348106 413 1,515 SH   SOLE   1,490 0 25
US Small Cap Equity: Schwab ET Common 808524607 411 3,948 SH   SOLE   2,979 0 969
Chubb Ltd Common H1467J104 405 2,550 SH   SOLE   2,375 0 175
Vanguard MSCI Europe ETF Common 922042874 390 5,800 SH   SOLE   4,300 0 1,500
S&P Small Cap 600 Common 78464A813 389 3,975 SH   SOLE   525 0 3,450
PepsiCo Inc. Common 713448108 386 2,603 SH   SOLE   1,918 0 685
iShares Ultra Short Term Bond Common 46434V878 382 7,570 SH   SOLE   5,475 0 2,095
Cerus Corp Common 157085101 379 64,049 SH   SOLE   0 0 64,049
Pnc Finl Services Gp Inc Common 693475105 358 1,879 SH   SOLE   1,879 0 0
C B Richard Ellis Group Common 12497T101 343 4,000 SH   SOLE   0 0 4,000
Vanguard Total Stk Mkt ETF Common 922908769 334 1,501 SH   SOLE   714 0 787
United Parcel Service Inc Cl B Class B 911312106 331 1,592 SH   SOLE   1,592 0 0
Canadian Natural Resources Common 136385101 318 8,766 SH   SOLE   4,816 0 3,950
Netflix Inc Common 64110L106 317 600 SH   SOLE   0 0 600
iShares S&P SmallCap Growth ET Common 464287887 312 2,352 SH   SOLE   1,563 0 789
Deere & Co Common 244199105 309 876 SH   SOLE   876 0 0
iShares S&P US Pfd Stock Common 464288687 308 7,820 SH   SOLE   6,585 0 1,235
Charles Schwab Corp Common 808513105 293 4,025 SH   SOLE   2,200 0 1,825
iShares Cohen & Steers Realty Common 464287564 292 4,468 SH   SOLE   600 0 3,868
Bond BulletShrs 2026 Common 46138J791 287 13,335 SH   SOLE   13,335 0 0
Marathon Pete Corp Common 56585A102 280 4,633 SH   SOLE   0 0 4,633
Costco Whsl Corp New Common 22160K105 277 700 SH   SOLE   629 0 71
Capital One Financial Common 14040H105 273 1,766 SH   SOLE   1,766 0 0
Aspen Aerogels Inc Common 04523Y105 269 9,000 SH   SOLE   0 0 9,000
Wal Mart Stores Inc. Common 931142103 263 1,867 SH   SOLE   1,867 0 0
Everbridge Inc Common 29978A104 259 1,900 SH   SOLE   0 0 1,900
Sysco Corp Common 871829107 257 3,300 SH   SOLE   400 0 2,900
Kimberly-Clark Common 494368103 252 1,885 SH   SOLE   1,885 0 0
Vanguard US Liquidity ETF Common 921935300 252 2,274 SH   SOLE   2,129 0 145
iShares Core MSCI EAFE ETF Common 46432F842 251 3,351 SH   SOLE   2,523 0 828
McCormick & Co Inc Common 579780206 251 2,840 SH   SOLE   2,840 0 0
Booking Holdings Inc Common 09857L108 249 114 SH   SOLE   114 0 0
Avantis US Small Cap Value ETF Common 025072877 246 3,240 SH   SOLE   2,265 0 975
Sprott Physical Gold Trust Common 85207H104 246 17,510 SH   SOLE   1,275 0 16,235
Lockheed Martin Common 539830109 243 642 SH   SOLE   492 0 150
iShares Barclays MBS Bond Fd Common 464288588 229 2,115 SH   SOLE   2,115 0 0
General Mills Inc Common 370334104 228 3,750 SH   SOLE   2,750 0 1,000
Invesco Senior Loan ETF Common 46138G508 226 10,225 SH   SOLE   7,500 0 2,725
salesforce.com Common 79466L302 226 927 SH   SOLE   873 0 54
Becton Dickinson & Co Common 075887109 226 930 SH   SOLE   615 0 315
Biogen Idec Inc Common 09062X103 225 650 SH   SOLE   620 0 30
Cummins Inc. Common 231021106 224 920 SH   SOLE   920 0 0
Bank Of New York Co Common 064058100 219 4,269 SH   SOLE   2,519 0 1,750
Alerian MLP ETF Common 00162Q866 217 5,972 SH   SOLE   3,562 0 2,410
Genl Amern Investors Co Common 368802104 207 4,768 SH   SOLE   4,768 0 0
PCS Edventures!.com Common 69325N102 20 445,000 SH   SOLE   445,000 0 0
Hypersolar Inc Common 44915H104 6 70,833 SH   SOLE   0 0 70,833
Orion Marine Group Inc Common 68628V308 171 29,800 SH   SOLE   0 0 29,800
Elixinol Global Lt Ordf Common Q34632101 2 24,218 SH   SOLE   0 0 24,218
Medexus Pharmaceutical Common 58410Q203 118 20,000 SH   SOLE   0 0 20,000
Moleculin Biotech In Common 60855D101 62 16,964 SH   SOLE   0 0 16,964
General Electric Common 369604103 138 10,226 SH   SOLE   5,000 0 5,226
Thunderbird Entmt Grou Common 88605U107 33 10,000 SH   SOLE   0 0 10,000