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
SPDR Barclays International Co ETF 78464A151 530 15,334 SH   SOLE   15,334 0 0
Schwab Short-Term US Treasury ETF 808524862 947 18,780 SH   SOLE   18,780 0 0
Schwab US Aggregate Bond ETF ETF 808524839 3,863 73,770 SH   SOLE   73,770 0 0
Schwab US TIPS ETF ETF 808524870 360 6,511 SH   SOLE   6,511 0 0
Vanguard Intermediate-Term Bon ETF 921937819 1,403 16,567 SH   SOLE   16,567 0 0
Vanguard Short Term Corp Bond ETF 92206C409 20,610 257,206 SH   SOLE   257,206 0 0
iShares Barclays 1-3 Yr Credit ETF 464288646 1,010 9,591 SH   SOLE   9,591 0 0
iShares Barclays Interm Govt/C ETF 464288612 28,480 256,808 SH   SOLE   256,808 0 0
iShares Barclays Short Treasur ETF 464288679 999 9,050 SH   SOLE   9,050 0 0
3M Co. COM 88579Y101 483 2,303 SH   SOLE   2,303 0 0
AT&T Inc. COM 00206R102 917 23,402 SH   SOLE   23,402 0 0
AbbVie Inc. COM 00287Y109 455 5,122 SH   SOLE   5,122 0 0
Albemarle Corp. COM 012653101 2,347 17,220 SH   SOLE   17,220 0 0
Alphabet, Inc. - Class A COM 02079K305 227 233 SH   SOLE   233 0 0
Alphabet, Inc. - Class C Non-V COM 02079K107 4,833 5,039 SH   SOLE   5,039 0 0
American Express COM 025816109 212 2,340 SH   SOLE   2,340 0 0
Anthem, Inc. COM 036752103 4,985 26,255 SH   SOLE   26,255 0 0
Apple Inc. COM 037833100 9,257 60,060 SH   SOLE   60,060 0 0
BB & T Corp. COM 054937107 5,325 113,445 SH   SOLE   113,445 0 0
Berkshire Hathaway CL B COM 084670702 207 1,128 SH   SOLE   1,128 0 0
BlackRock, Inc. COM 09247X101 5,332 11,926 SH   SOLE   11,926 0 0
Boeing Co. COM 097023105 2,579 10,145 SH   SOLE   10,145 0 0
C. H. Robinson Worldwide Inc. COM 12541W209 2,243 29,476 SH   SOLE   29,476 0 0
CVS Health Corporation COM 126650100 5,435 66,839 SH   SOLE   66,839 0 0
Carters Inc. COM 146229109 3,786 38,336 SH   SOLE   38,336 0 0
Caterpillar Inc. COM 149123101 4,201 33,688 SH   SOLE   33,688 0 0
Chevron Corp. COM 166764100 4,442 37,807 SH   SOLE   37,807 0 0
Church & Dwight Co. Inc. COM 171340102 1,757 36,260 SH   SOLE   36,260 0 0
Cisco Systems Inc. COM 17275R102 4,056 120,594 SH   SOLE   120,594 0 0
Coca Cola Co. COM 191216100 343 7,615 SH   SOLE   7,615 0 0
Cognizant Technology Solutions COM 192446102 6,547 90,260 SH   SOLE   90,260 0 0
Colgate Palmolive Co. COM 194162103 3,569 48,995 SH   SOLE   48,995 0 0
Comcast Corp Class A COM 20030N101 231 6,004 SH   SOLE   6,004 0 0
Costco Wholesale Corp. COM 22160K105 1,903 11,582 SH   SOLE   11,582 0 0
Deere & Co. COM 244199105 4,172 33,219 SH   SOLE   33,219 0 0
Dell Technologies Inc. COM 24703L103 1,029 13,322 SH   SOLE   13,322 0 0
Dentsply Sirona Inc. COM 24906P109 3,148 52,636 SH   SOLE   52,636 0 0
Dollar Tree, Inc. COM 256746108 3,989 45,948 SH   SOLE   45,948 0 0
EOG Resources, Inc. COM 26875P101 2,170 22,433 SH   SOLE   22,433 0 0
EQT Corp. COM 26884L109 2,608 39,970 SH   SOLE   39,970 0 0
Eagle Materials Inc. COM 26969P108 2,139 20,045 SH   SOLE   20,045 0 0
Enbridge Inc. COM 29250N105 3,634 86,847 SH   SOLE   86,847 0 0
Expedia, Inc. COM 30212P303 2,448 17,010 SH   SOLE   17,010 0 0
Exxon Mobil Corp. COM 30231G102 7,274 88,734 SH   SOLE   88,734 0 0
FactSet Research Systems Inc. COM 303075105 3,498 19,420 SH   SOLE   19,420 0 0
Fastenal Co. COM 311900104 2,369 51,973 SH   SOLE   51,973 0 0
Finisar Corp. COM 31787A507 222 10,000 SH   SOLE   10,000 0 0
General Electric Co. COM 369604103 5,892 243,655 SH   SOLE   243,655 0 0
HSBC Holdings PLC ADR COM 404280406 3,771 76,320 SH   SOLE   76,320 0 0
Hain Celestial Group COM 405217100 3,136 76,213 SH   SOLE   76,213 0 0
Halliburton Co. COM 406216101 296 6,420 SH   SOLE   6,420 0 0
Hexcel Corp. COM 428291108 3,594 62,592 SH   SOLE   62,592 0 0
Honeywell International Inc. COM 438516106 2,804 19,779 SH   SOLE   19,779 0 0
Intel Corp. COM 458140100 4,580 120,281 SH   SOLE   120,281 0 0
International Business Machine COM 459200101 1,342 9,249 SH   SOLE   9,249 0 0
JP Morgan Chase & Co. COM 46625H100 7,797 81,636 SH   SOLE   81,636 0 0
Johnson & Johnson COM 478160104 4,255 32,732 SH   SOLE   32,732 0 0
LKQ Corp. COM 501889208 3,002 83,400 SH   SOLE   83,400 0 0
M&T Bank Corp. COM 55261F104 6,425 39,895 SH   SOLE   39,895 0 0
McCormick & Co. Inc. COM 579780206 1,957 19,064 SH   SOLE   19,064 0 0
McDonalds Corp. COM 580135101 289 1,842 SH   SOLE   1,842 0 0
McKesson Corp. COM 58155Q103 3,840 24,999 SH   SOLE   24,999 0 0
Medtronic, Plc. COM G5960L103 4,489 57,716 SH   SOLE   57,716 0 0
Merck & Co. COM 58933Y105 4,497 70,235 SH   SOLE   70,235 0 0
Microsoft Corp. COM 594918104 4,767 63,991 SH   SOLE   63,991 0 0
Mondelez International, Inc. COM 609207105 2,861 70,365 SH   SOLE   70,365 0 0
NVIDIA Corp COM 67066G104 278 1,553 SH   SOLE   1,553 0 0
NXP Semiconductors COM N6596X109 3,928 34,733 SH   SOLE   34,733 0 0
NextEra Energy, Inc. COM 65339f101 5,597 38,193 SH   SOLE   38,193 0 0
Nike Inc. COM 654106103 2,651 51,126 SH   SOLE   51,126 0 0
Occidental Petroleum Corp. COM 674599105 2,319 36,113 SH   SOLE   36,113 0 0
Oracle Corp. COM 68389X105 3,921 81,088 SH   SOLE   81,088 0 0
PPG Industries Inc. COM 693506107 248 2,286 SH   SOLE   2,286 0 0
Pepsico Inc. COM 713448108 4,046 36,308 SH   SOLE   36,308 0 0
Pfizer Inc. COM 717081103 4,772 133,674 SH   SOLE   133,674 0 0
Phillips 66 COM 718546104 2,815 30,733 SH   SOLE   30,733 0 0
Praxair Inc. COM 74005P104 2,719 19,455 SH   SOLE   19,455 0 0
Priceline Group Inc. COM 741503403 4,561 2,491 SH   SOLE   2,491 0 0
Procter & Gamble Co. COM 742718109 3,743 41,137 SH   SOLE   41,137 0 0
Prudential Financial COM 744320102 3,444 32,392 SH   SOLE   32,392 0 0
QUALCOMM, Inc. COM 747525103 3,636 70,139 SH   SOLE   70,139 0 0
SPDR S&P Biotech ETF COM 78464A870 4,386 50,660 SH   SOLE   50,660 0 0
Schlumberger Ltd. COM 806857108 4,253 60,968 SH   SOLE   60,968 0 0
Skyworks Solutions Inc. COM 83088M102 5,652 55,469 SH   SOLE   55,469 0 0
The Bank of New York Mellon Co COM 064058100 5,519 104,096 SH   SOLE   104,096 0 0
The TJX Companies, Inc. COM 872540109 2,199 29,830 SH   SOLE   29,830 0 0
The Travelers Companies, Inc. COM 89417E109 3,718 30,345 SH   SOLE   30,345 0 0
Time Warner Inc. COM 887317303 5,016 48,959 SH   SOLE   48,959 0 0
US Bancorp COM 902973304 5,659 105,592 SH   SOLE   105,592 0 0
Ulta Salon, Cosmetics & Fragra COM 90384S303 1,810 8,007 SH   SOLE   8,007 0 0
Union Pacific Corporation COM 907818108 4,414 38,063 SH   SOLE   38,063 0 0
United Technologies Corp. COM 913017109 3,259 28,078 SH   SOLE   28,078 0 0
UnitedHealth Group Inc. COM 91324P102 5,437 27,763 SH   SOLE   27,763 0 0
VanEck Vectors Biotech ETF COM 92189F726 3,645 27,172 SH   SOLE   27,172 0 0
Ventas Inc. COM 92276F100 3,009 46,205 SH   SOLE   46,205 0 0
Verizon Communications Inc. COM 92343V104 3,887 78,548 SH   SOLE   78,548 0 0
Visa Inc. COM 92826C839 6,789 64,510 SH   SOLE   64,510 0 0
WEC Energy Group COM 92939U106 2,106 33,543 SH   SOLE   33,543 0 0
Wal-Mart Stores COM 931142103 2,670 34,174 SH   SOLE   34,174 0 0
Walt Disney Co. COM 254687106 3,943 39,997 SH   SOLE   39,997 0 0
Williams-Sonoma, Inc. COM 969904101 2,980 59,775 SH   SOLE   59,775 0 0
Xylem Inc. COM 98419M100 3,557 56,797 SH   SOLE   56,797 0 0
ETFS Physical Swiss Gold ETF 26922Y105 337 2,715 SH   SOLE   2,715 0 0
SPDR Gold Trust ETF 78463V107 17,325 142,501 SH   SOLE   142,501 0 0
Schwab Emerging Markets Equity ETF 808524706 475 17,658 SH   SOLE   17,658 0 0
Schwab International Equity ET ETF 808524805 2,026 60,525 SH   SOLE   60,525 0 0
Schwab US Large-Cap ETF ETF 808524201 6,784 112,992 SH   SOLE   112,992 0 0
Schwab US Small-Cap ETF ETF 808524607 610 9,055 SH   SOLE   9,055 0 0
Vanguard Small-Cap Value Inde ETF 922908611 378 2,957 SH   SOLE   2,957 0 0
Vanguard Dividend Appreciation ETF 921908844 27,534 290,474 SH   SOLE   290,474 0 0
Vanguard FTSE All-World ex-US ETF 922042775 2,911 55,236 SH   SOLE   55,236 0 0
Vanguard Index Fund Small Cap ETF 922908751 371 2,627 SH   SOLE   2,627 0 0
Vanguard Total Stock Market ET ETF 922908769 2,334 18,017 SH   SOLE   18,017 0 0
iShares Core MSCI EAFE ETF 46432F842 68,863 1,073,137 SH   SOLE   1,073,137 0 0
iShares Core MSCI Emerging Mar ETF 46434G103 38,369 710,281 SH   SOLE   710,281 0 0
iShares Russell 1000 Growth In ETF 464287614 30,592 244,617 SH   SOLE   244,617 0 0
iShares Russell 2000 Index ETF 464287655 31,830 214,806 SH   SOLE   214,806 0 0