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
Guggenheim BulletShrs 2019 Cor ETF 18383M522 2,457 116,511 SH   SOLE   116,511 0 0
SPDR Barclays International Co ETF 78464A151 307 8,687 SH   SOLE   8,687 0 0
Schwab US Aggregate Bond ETF ETF 808524839 2,776 53,337 SH   SOLE   53,337 0 0
Schwab US TIPS ETF ETF 808524870 325 5,868 SH   SOLE   5,868 0 0
Vanguard Intermediate-Term Bon ETF 921937819 1,600 19,085 SH   SOLE   19,085 0 0
Vanguard Short Term Corp Bond ETF 92206C409 28,702 361,948 SH   SOLE   361,948 0 0
iShares Barclays 1-3 Yr Credit ETF 464288646 993 9,500 SH   SOLE   9,500 0 0
iShares Barclays Interm Govt/C ETF 464288612 26,911 245,176 SH   SOLE   245,176 0 0
iShares Barclays Short Treasur ETF 464288679 998 9,050 SH   SOLE   9,050 0 0
3M Co. COM 88579Y101 540 2,296 SH   SOLE   2,296 0 0
AT&T Inc. COM 00206R102 881 22,659 SH   SOLE   22,659 0 0
AbbVie Inc. COM 00287Y109 495 5,122 SH   SOLE   5,122 0 0
Albemarle Corp. COM 012653101 2,200 17,205 SH   SOLE   17,205 0 0
Alphabet, Inc. - Class A COM 02079K305 245 233 SH   SOLE   233 0 0
Alphabet, Inc. - Class C Non-V COM 02079K107 5,273 5,039 SH   SOLE   5,039 0 0
American Express COM 025816109 232 2,340 SH   SOLE   2,340 0 0
Anthem, Inc. COM 036752103 5,886 26,160 SH   SOLE   26,160 0 0
Apple Inc. COM 037833100 10,161 60,044 SH   SOLE   60,044 0 0
BB & T Corp. COM 054937107 5,593 112,495 SH   SOLE   112,495 0 0
Berkshire Hathaway CL B COM 084670702 338 1,707 SH   SOLE   1,707 0 0
BlackRock, Inc. COM 09247X101 6,094 11,863 SH   SOLE   11,863 0 0
Boeing Co. COM 097023105 2,979 10,100 SH   SOLE   10,100 0 0
C. H. Robinson Worldwide Inc. COM 12541W209 2,526 28,351 SH   SOLE   28,351 0 0
CVS Health Corporation COM 126650100 4,863 67,073 SH   SOLE   67,073 0 0
Carters Inc. COM 146229109 4,452 37,896 SH   SOLE   37,896 0 0
Caterpillar Inc. COM 149123101 3,994 25,343 SH   SOLE   25,343 0 0
Chevron Corp. COM 166764100 4,634 37,014 SH   SOLE   37,014 0 0
Church & Dwight Co. Inc. COM 171340102 1,815 36,180 SH   SOLE   36,180 0 0
Cisco Systems Inc. COM 17275R102 4,592 119,899 SH   SOLE   119,899 0 0
Coca Cola Co. COM 191216100 348 7,577 SH   SOLE   7,577 0 0
Cognizant Technology Solutions COM 192446102 3,656 51,480 SH   SOLE   51,480 0 0
Colgate Palmolive Co. COM 194162103 3,656 48,460 SH   SOLE   48,460 0 0
Comcast Corp Class A COM 20030N101 227 5,678 SH   SOLE   5,678 0 0
ConAgra Foods, Inc. COM 205887102 203 5,400 SH   SOLE   5,400 0 0
Costco Wholesale Corp. COM 22160K105 2,151 11,557 SH   SOLE   11,557 0 0
Deere & Co. COM 244199105 4,386 28,024 SH   SOLE   28,024 0 0
Dell Technologies Inc. COM 24703L103 1,087 13,373 SH   SOLE   13,373 0 0
Dollar Tree, Inc. COM 256746108 4,943 46,063 SH   SOLE   46,063 0 0
EQT Corp. COM 26884L109 2,234 39,250 SH   SOLE   39,250 0 0
Eagle Materials Inc. COM 26969P108 2,268 20,015 SH   SOLE   20,015 0 0
Enbridge Inc. COM 29250N105 3,461 88,483 SH   SOLE   88,483 0 0
Expedia, Inc. COM 30212P303 2,135 17,825 SH   SOLE   17,825 0 0
Exxon Mobil Corp. COM 30231G102 7,232 86,461 SH   SOLE   86,461 0 0
FactSet Research Systems Inc. COM 303075105 3,736 19,380 SH   SOLE   19,380 0 0
Fastenal Co. COM 311900104 2,700 49,378 SH   SOLE   49,378 0 0
Finisar Corp. COM 31787A507 204 10,000 SH   SOLE   10,000 0 0
General Electric Co. COM 369604103 1,344 77,044 SH   SOLE   77,044 0 0
HSBC Holdings PLC ADR COM 404280406 3,929 76,085 SH   SOLE   76,085 0 0
Hain Celestial Group COM 405217100 3,184 75,103 SH   SOLE   75,103 0 0
Halliburton Co. COM 406216101 314 6,420 SH   SOLE   6,420 0 0
Henry Schein Inc. COM 806407102 2,113 30,240 SH   SOLE   30,240 0 0
Hexcel Corp. COM 428291108 3,882 62,757 SH   SOLE   62,757 0 0
Home Depot, Inc. COM 437076102 223 1,177 SH   SOLE   1,177 0 0
Honeywell International Inc. COM 438516106 3,043 19,842 SH   SOLE   19,842 0 0
Intel Corp. COM 458140100 5,551 120,261 SH   SOLE   120,261 0 0
International Business Machine COM 459200101 1,394 9,088 SH   SOLE   9,088 0 0
JP Morgan Chase & Co. COM 46625H100 8,565 80,091 SH   SOLE   80,091 0 0
Johnson & Johnson COM 478160104 4,593 32,874 SH   SOLE   32,874 0 0
Kinderhook Bank Corp. COM 494555105 611 16,746 SH   SOLE   16,746 0 0
LKQ Corp. COM 501889208 3,394 83,450 SH   SOLE   83,450 0 0
M&T Bank Corp. COM 55261F104 6,800 39,768 SH   SOLE   39,768 0 0
McCormick & Co. Inc. COM 579780206 1,950 19,139 SH   SOLE   19,139 0 0
McDonalds Corp. COM 580135101 304 1,767 SH   SOLE   1,767 0 0
McKesson Corp. COM 58155Q103 3,890 24,944 SH   SOLE   24,944 0 0
Medtronic, Plc. COM G5960L103 4,644 57,515 SH   SOLE   57,515 0 0
Merck & Co. COM 58933Y105 3,987 70,860 SH   SOLE   70,860 0 0
Microsoft Corp. COM 594918104 5,452 63,734 SH   SOLE   63,734 0 0
Mondelez International, Inc. COM 609207105 3,020 70,560 SH   SOLE   70,560 0 0
NVIDIA Corp COM 67066G104 301 1,553 SH   SOLE   1,553 0 0
NXP Semiconductors COM N6596X109 4,084 34,880 SH   SOLE   34,880 0 0
NextEra Energy, Inc. COM 65339f101 5,946 38,071 SH   SOLE   38,071 0 0
Nike Inc. COM 654106103 356 5,696 SH   SOLE   5,696 0 0
Oracle Corp. COM 68389X105 3,857 81,568 SH   SOLE   81,568 0 0
PPG Industries Inc. COM 693506107 265 2,270 SH   SOLE   2,270 0 0
Pepsico Inc. COM 713448108 4,315 35,980 SH   SOLE   35,980 0 0
Pfizer Inc. COM 717081103 4,831 133,382 SH   SOLE   133,382 0 0
Phillips 66 COM 718546104 3,095 30,596 SH   SOLE   30,596 0 0
Praxair Inc. COM 74005P104 3,013 19,480 SH   SOLE   19,480 0 0
Priceline Group Inc. COM 741503403 4,327 2,490 SH   SOLE   2,490 0 0
Procter & Gamble Co. COM 742718109 3,774 41,078 SH   SOLE   41,078 0 0
Prudential Financial COM 744320102 3,654 31,782 SH   SOLE   31,782 0 0
QUALCOMM, Inc. COM 747525103 4,324 67,549 SH   SOLE   67,549 0 0
SPDR S&P Biotech ETF COM 78464A870 4,311 50,800 SH   SOLE   50,800 0 0
Schlumberger Ltd. COM 806857108 4,050 60,101 SH   SOLE   60,101 0 0
Skyworks Solutions Inc. COM 83088M102 5,260 55,398 SH   SOLE   55,398 0 0
The Bank of New York Mellon Co COM 064058100 5,592 103,826 SH   SOLE   103,826 0 0
The TJX Companies, Inc. COM 872540109 3,868 50,595 SH   SOLE   50,595 0 0
The Travelers Companies, Inc. COM 89417E109 4,102 30,240 SH   SOLE   30,240 0 0
Time Warner Inc. COM 887317303 4,464 48,804 SH   SOLE   48,804 0 0
US Bancorp COM 902973304 5,647 105,387 SH   SOLE   105,387 0 0
Ulta Salon, Cosmetics & Fragra COM 90384S303 2,475 11,067 SH   SOLE   11,067 0 0
Union Pacific Corporation COM 907818108 5,118 38,168 SH   SOLE   38,168 0 0
United Technologies Corp. COM 913017109 3,590 28,138 SH   SOLE   28,138 0 0
UnitedHealth Group Inc. COM 91324P102 6,125 27,782 SH   SOLE   27,782 0 0
VanEck Vectors Biotech ETF COM 92189F726 3,393 27,232 SH   SOLE   27,232 0 0
Ventas Inc. COM 92276F100 2,836 47,260 SH   SOLE   47,260 0 0
Verizon Communications Inc. COM 92343V104 4,145 78,317 SH   SOLE   78,317 0 0
Visa Inc. COM 92826C839 6,414 56,251 SH   SOLE   56,251 0 0
WEC Energy Group COM 92939U106 2,213 33,318 SH   SOLE   33,318 0 0
Wal-Mart Stores COM 931142103 3,365 34,074 SH   SOLE   34,074 0 0
Walt Disney Co. COM 254687106 4,255 39,582 SH   SOLE   39,582 0 0
Williams-Sonoma, Inc. COM 969904101 3,071 59,395 SH   SOLE   59,395 0 0
Xylem Inc. COM 98419M100 3,887 56,997 SH   SOLE   56,997 0 0
ETFS Physical Swiss Gold ETF 26922Y105 395 3,131 SH   SOLE   3,131 0 0
SPDR Gold Trust ETF 78463V107 17,753 143,576 SH   SOLE   143,576 0 0
Schwab Emerging Markets Equity ETF 808524706 901 32,241 SH   SOLE   32,241 0 0
Schwab International Equity ET ETF 808524805 1,665 48,856 SH   SOLE   48,856 0 0
Schwab US Large-Cap ETF ETF 808524201 6,742 105,713 SH   SOLE   105,713 0 0
Schwab US Small-Cap ETF ETF 808524607 823 11,807 SH   SOLE   11,807 0 0
Vanguard Small-Cap Value Inde ETF 922908611 449 3,382 SH   SOLE   3,382 0 0
Vanguard Dividend Appreciation ETF 921908844 30,068 294,702 SH   SOLE   294,702 0 0
Vanguard FTSE All-World ex-US ETF 922042775 3,124 57,087 SH   SOLE   57,087 0 0
Vanguard Index Fund Small Cap ETF 922908751 388 2,627 SH   SOLE   2,627 0 0
Vanguard Total Stock Market ET ETF 922908769 2,656 19,349 SH   SOLE   19,349 0 0
WisdomTree India Earnings Fund ETF 97717W422 3,809 136,815 SH   SOLE   136,815 0 0
iShares Core MSCI EAFE ETF 46432F842 71,678 1,084,549 SH   SOLE   1,084,549 0 0
iShares Core MSCI Emerging Mar ETF 46434G103 40,840 717,744 SH   SOLE   717,744 0 0
iShares Russell 1000 Growth In ETF 464287614 30,341 225,284 SH   SOLE   225,284 0 0
iShares Russell 2000 Index ETF 464287655 36,733 240,932 SH   SOLE   240,932 0 0