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
SPDR Barclays International Co ETF 78464A151 473 15,108 SH   SOLE   15,108 0 0
SPDR Nuveen Barclays Cap. Shor ETF 78464A425 441 9,110 SH   SOLE   9,110 0 0
Schwab Short-Term US Treasury ETF 808524862 444 8,795 SH   SOLE   8,795 0 0
Schwab US Aggregate Bond ETF ETF 808524839 4,020 77,615 SH   SOLE   77,615 0 0
Schwab US TIPS ETF ETF 808524870 337 6,085 SH   SOLE   6,085 0 0
Vanguard Intermediate-Term Bon ETF 921937819 1,420 16,988 SH   SOLE   16,988 0 0
Vanguard Short Term Corp Bond ETF 92206C409 649 8,145 SH   SOLE   8,145 0 0
Vanguard Short-Term Bond ETF ETF 921937827 4,538 56,919 SH   SOLE   56,919 0 0
iShares Barclays Interm Govt/C ETF 464288612 28,459 258,245 SH   SOLE   258,245 0 0
AT&T Inc. COM 00206R102 865 20,810 SH   SOLE   20,810 0 0
AbbVie Inc. COM 00287Y109 282 4,322 SH   SOLE   4,322 0 0
Alphabet, Inc. - Class C Non-V COM 02079K107 4,141 4,992 SH   SOLE   4,992 0 0
Anthem, Inc. COM 036752103 4,338 26,230 SH   SOLE   26,230 0 0
Apple Inc. COM 037833100 9,946 69,234 SH   SOLE   69,234 0 0
BB & T Corp. COM 054937107 4,987 111,555 SH   SOLE   111,555 0 0
Baxter International Inc. COM 071813109 4,276 82,454 SH   SOLE   82,454 0 0
Berkshire Hathaway CL B COM 084670702 213 1,278 SH   SOLE   1,278 0 0
BlackRock, Inc. COM 09247X101 4,561 11,894 SH   SOLE   11,894 0 0
Boeing Co. COM 097023105 3,589 20,295 SH   SOLE   20,295 0 0
C. H. Robinson Worldwide Inc. COM 12541W209 2,168 28,051 SH   SOLE   28,051 0 0
CVS Health Corporation COM 126650100 5,126 65,294 SH   SOLE   65,294 0 0
Carters Inc. COM 146229109 3,417 38,051 SH   SOLE   38,051 0 0
Caterpillar Inc. COM 149123101 3,083 33,238 SH   SOLE   33,238 0 0
Chevron Corp. COM 166764100 4,013 37,372 SH   SOLE   37,372 0 0
Church & Dwight Co. Inc. COM 171340102 1,789 35,875 SH   SOLE   35,875 0 0
Cisco Systems Inc. COM 17275R102 2,388 70,664 SH   SOLE   70,664 0 0
Cognizant Technology Solutions COM 192446102 5,335 89,635 SH   SOLE   89,635 0 0
Colgate Palmolive Co. COM 194162103 3,576 48,860 SH   SOLE   48,860 0 0
Comcast Corp Class A COM 20030N101 223 5,920 SH   SOLE   5,920 0 0
Costco Wholesale Corp. COM 22160K105 1,917 11,432 SH   SOLE   11,432 0 0
Deere & Co. COM 244199105 3,606 33,124 SH   SOLE   33,124 0 0
Dell Technologies Inc. COM 24703L103 838 13,077 SH   SOLE   13,077 0 0
Dentsply Sirona Inc. COM 24906P109 3,249 52,033 SH   SOLE   52,033 0 0
Dollar Tree, Inc. COM 256746108 3,629 46,248 SH   SOLE   46,248 0 0
EOG Resources, Inc. COM 26875P101 2,168 22,223 SH   SOLE   22,223 0 0
EQT Corp. COM 26884L109 1,850 30,285 SH   SOLE   30,285 0 0
Enbridge Inc. COM 29250N105 2,731 65,267 SH   SOLE   65,267 0 0
Expedia, Inc. COM 30212P303 2,126 16,850 SH   SOLE   16,850 0 0
Exxon Mobil Corp. COM 30231G102 7,073 86,247 SH   SOLE   86,247 0 0
FactSet Research Systems Inc. COM 303075105 3,245 19,680 SH   SOLE   19,680 0 0
Fastenal Co. COM 311900104 2,534 49,213 SH   SOLE   49,213 0 0
General Electric Co. COM 369604103 5,569 186,881 SH   SOLE   186,881 0 0
HSBC Holdings PLC ADR COM 404280406 3,106 76,095 SH   SOLE   76,095 0 0
Hain Celestial Group COM 405217100 2,876 77,323 SH   SOLE   77,323 0 0
Halliburton Co. COM 406216101 316 6,420 SH   SOLE   6,420 0 0
Hexcel Corp. COM 428291108 3,373 61,837 SH   SOLE   61,837 0 0
Honeywell International Inc. COM 438516106 3,958 31,697 SH   SOLE   31,697 0 0
IPG Photonics Corporation COM 44980X109 205 1,700 SH   SOLE   1,700 0 0
Intel Corp. COM 458140100 3,206 88,881 SH   SOLE   88,881 0 0
International Business Machine COM 459200101 1,236 7,096 SH   SOLE   7,096 0 0
JP Morgan Chase & Co. COM 46625H100 6,788 77,278 SH   SOLE   77,278 0 0
Johnson & Johnson COM 478160104 3,704 29,743 SH   SOLE   29,743 0 0
Johnson Controls International COM G51502105 2,179 51,743 SH   SOLE   51,743 0 0
LKQ Corp. COM 501889208 2,525 86,260 SH   SOLE   86,260 0 0
M&T Bank Corp. COM 55261F104 6,354 41,065 SH   SOLE   41,065 0 0
Materials Select Sector SPDR COM 81369Y100 3,612 68,926 SH   SOLE   68,926 0 0
McCormick & Co. Inc. COM 579780206 1,841 18,874 SH   SOLE   18,874 0 0
McKesson Corp. COM 58155Q103 3,701 24,964 SH   SOLE   24,964 0 0
Medtronic, Plc. COM G5960L103 4,683 58,126 SH   SOLE   58,126 0 0
Merck & Co. COM 58933Y105 4,125 64,925 SH   SOLE   64,925 0 0
Microsoft Corp. COM 594918104 4,189 63,606 SH   SOLE   63,606 0 0
Mondelez International, Inc. COM 609207105 2,997 69,565 SH   SOLE   69,565 0 0
NXP Semiconductors COM N6596X109 3,558 34,380 SH   SOLE   34,380 0 0
NextEra Energy, Inc. COM 65339f101 4,835 37,667 SH   SOLE   37,667 0 0
Nike Inc. COM 654106103 2,798 50,201 SH   SOLE   50,201 0 0
Occidental Petroleum Corp. COM 674599105 2,278 35,958 SH   SOLE   35,958 0 0
Oracle Corp. COM 68389X105 3,594 80,573 SH   SOLE   80,573 0 0
PPG Industries Inc. COM 693506107 240 2,286 SH   SOLE   2,286 0 0
Pepsico Inc. COM 713448108 3,977 35,557 SH   SOLE   35,557 0 0
Pfizer Inc. COM 717081103 4,604 134,587 SH   SOLE   134,587 0 0
Phillips 66 COM 718546104 2,411 30,438 SH   SOLE   30,438 0 0
Praxair Inc. COM 74005P104 2,281 19,230 SH   SOLE   19,230 0 0
Priceline Group Inc. COM 741503403 4,397 2,470 SH   SOLE   2,470 0 0
Procter & Gamble Co. COM 742718109 3,515 39,123 SH   SOLE   39,123 0 0
Prudential Financial COM 744320102 3,343 31,334 SH   SOLE   31,334 0 0
QUALCOMM, Inc. COM 747525103 3,991 69,611 SH   SOLE   69,611 0 0
Reynolds American Inc. COM 761713106 205 3,256 SH   SOLE   3,256 0 0
SPDR S&P Biotech ETF COM 78464A870 3,466 49,990 SH   SOLE   49,990 0 0
Schlumberger Ltd. COM 806857108 3,893 49,844 SH   SOLE   49,844 0 0
Skyworks Solutions Inc. COM 83088M102 5,404 55,154 SH   SOLE   55,154 0 0
The Bank of New York Mellon Co COM 064058100 4,892 103,587 SH   SOLE   103,587 0 0
The Travelers Companies, Inc. COM 89417E109 3,645 30,235 SH   SOLE   30,235 0 0
Time Warner Inc. COM 887317303 4,797 49,099 SH   SOLE   49,099 0 0
US Bancorp COM 902973304 3,949 76,687 SH   SOLE   76,687 0 0
Ulta Salon, Cosmetics & Fragra COM 90384S303 2,251 7,892 SH   SOLE   7,892 0 0
Union Pacific Corporation COM 907818108 3,984 37,613 SH   SOLE   37,613 0 0
United Technologies Corp. COM 913017109 2,780 24,773 SH   SOLE   24,773 0 0
UnitedHealth Group Inc. COM 91324P102 5,815 35,454 SH   SOLE   35,454 0 0
VanEck Vectors Biotech ETF COM 92189F726 3,216 27,012 SH   SOLE   27,012 0 0
Ventas Inc. COM 92276F100 3,000 46,130 SH   SOLE   46,130 0 0
Verizon Communications Inc. COM 92343V104 3,672 75,321 SH   SOLE   75,321 0 0
Visa Inc. COM 92826C839 5,668 63,781 SH   SOLE   63,781 0 0
WEC Energy Group COM 92939U106 3,303 54,486 SH   SOLE   54,486 0 0
Wal-Mart Stores COM 931142103 2,446 33,932 SH   SOLE   33,932 0 0
Walt Disney Co. COM 254687106 4,381 38,638 SH   SOLE   38,638 0 0
Williams-Sonoma, Inc. COM 969904101 3,213 59,920 SH   SOLE   59,920 0 0
Xylem Inc. COM 98419M100 2,767 55,091 SH   SOLE   55,091 0 0
ETFS Physical Swiss Gold ETF 26922Y105 350 2,888 SH   SOLE   2,888 0 0
SPDR Gold Trust ETF 78463V107 16,554 139,438 SH   SOLE   139,438 0 0
Schwab Emerging Markets Equity ETF 808524706 453 18,903 SH   SOLE   18,903 0 0
Schwab International Equity ET ETF 808524805 1,706 57,117 SH   SOLE   57,117 0 0
Schwab US Large-Cap ETF ETF 808524201 5,615 99,795 SH   SOLE   99,795 0 0
Schwab US REIT ETF ETF 808524847 250 6,137 SH   SOLE   6,137 0 0
Schwab US Small-Cap ETF ETF 808524607 531 8,428 SH   SOLE   8,428 0 0
Vanguard Small-Cap Value Inde ETF 922908611 333 2,707 SH   SOLE   2,707 0 0
Vanguard Dividend Appreciation ETF 921908844 24,944 277,338 SH   SOLE   277,338 0 0
Vanguard FTSE All-World ex-US ETF 922042775 2,657 55,546 SH   SOLE   55,546 0 0
Vanguard Index Fund Small Cap ETF 922908751 308 2,312 SH   SOLE   2,312 0 0
Vanguard REIT Index ETF 922908553 6,007 72,737 SH   SOLE   72,737 0 0
Vanguard Total Stock Market ET ETF 922908769 2,165 17,845 SH   SOLE   17,845 0 0
iShares Core MSCI EAFE ETF 46432F842 60,553 1,044,922 SH   SOLE   1,044,922 0 0
iShares Core MSCI Emerging Mar ETF 46434G103 33,339 697,617 SH   SOLE   697,617 0 0
iShares Russell 1000 Growth In ETF 464287614 28,093 246,864 SH   SOLE   246,864 0 0
iShares Russell 2000 Index ETF 464287655 28,874 210,020 SH   SOLE   210,020 0 0