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 Intermediate-Term Bon ETF 921937819 1,487 18,181 SH   SOLE   18,181 0 0
Vanguard Short Term Corp Bond ETF 92206C409 29,992 382,400 SH   SOLE   382,400 0 0
iShares Barclays Interm Govt/C ETF 464288612 27,145 250,695 SH   SOLE   250,695 0 0
3M Co. COM 88579Y101 502 2,286 SH   SOLE   2,286 0 0
AT&T Inc. COM 00206R102 835 23,412 SH   SOLE   23,412 0 0
AbbVie Inc. COM 00287Y109 471 4,978 SH   SOLE   4,978 0 0
Albemarle Corp. COM 012653101 1,687 18,193 SH   SOLE   18,193 0 0
Alphabet, Inc. - Class A COM 02079K305 305 294 SH   SOLE   294 0 0
Alphabet, Inc. - Class C Non-V COM 02079K107 5,216 5,055 SH   SOLE   5,055 0 0
Altria Group Inc. COM 02209S103 443 7,110 SH   SOLE   7,110 0 0
American Express COM 025816109 218 2,340 SH   SOLE   2,340 0 0
Anthem, Inc. COM 036752103 5,713 26,005 SH   SOLE   26,005 0 0
Apple Inc. COM 037833100 10,124 60,340 SH   SOLE   60,340 0 0
BB & T Corp. COM 054937107 5,780 111,076 SH   SOLE   111,076 0 0
Berkshire Hathaway CL B COM 084670702 459 2,303 SH   SOLE   2,303 0 0
BlackRock, Inc. COM 09247X101 6,342 11,708 SH   SOLE   11,708 0 0
Boeing Co. COM 097023105 2,264 6,904 SH   SOLE   6,904 0 0
Booking Holdings Inc COM 09857L108 5,091 2,447 SH   SOLE   2,447 0 0
C. H. Robinson Worldwide Inc. COM 12541W209 2,662 28,406 SH   SOLE   28,406 0 0
CVS Health Corporation COM 126650100 4,174 67,092 SH   SOLE   67,092 0 0
Carters Inc. COM 146229109 3,891 37,373 SH   SOLE   37,373 0 0
Caterpillar Inc. COM 149123101 2,173 14,744 SH   SOLE   14,744 0 0
Chevron Corp. COM 166764100 4,224 37,041 SH   SOLE   37,041 0 0
Church & Dwight Co. Inc. COM 171340102 1,886 37,453 SH   SOLE   37,453 0 0
Cisco Systems Inc. COM 17275R102 5,116 119,293 SH   SOLE   119,293 0 0
Coca Cola Co. COM 191216100 364 8,377 SH   SOLE   8,377 0 0
Cognizant Technology Solutions COM 192446102 4,056 50,390 SH   SOLE   50,390 0 0
Colgate Palmolive Co. COM 194162103 3,440 47,998 SH   SOLE   47,998 0 0
Costco Wholesale Corp. COM 22160K105 2,145 11,386 SH   SOLE   11,386 0 0
Deere & Co. COM 244199105 2,265 14,584 SH   SOLE   14,584 0 0
Dell Technologies Inc. COM 24703L103 971 13,269 SH   SOLE   13,269 0 0
Dollar Tree, Inc. COM 256746108 4,331 45,638 SH   SOLE   45,638 0 0
EQT Corp. COM 26884L109 1,866 39,285 SH   SOLE   39,285 0 0
Eagle Materials Inc. COM 26969P108 2,059 19,985 SH   SOLE   19,985 0 0
Enbridge Inc. COM 29250N105 2,797 88,870 SH   SOLE   88,870 0 0
Expedia Group, Inc. COM 30212P303 3,612 32,711 SH   SOLE   32,711 0 0
Exxon Mobil Corp. COM 30231G102 7,270 97,434 SH   SOLE   97,434 0 0
FactSet Research Systems Inc. COM 303075105 3,808 19,095 SH   SOLE   19,095 0 0
Fastenal Co. COM 311900104 2,694 49,342 SH   SOLE   49,342 0 0
General Electric Co. COM 369604103 1,026 76,147 SH   SOLE   76,147 0 0
HSBC Holdings PLC ADR COM 404280406 3,602 75,556 SH   SOLE   75,556 0 0
Hain Celestial Group COM 405217100 2,388 74,447 SH   SOLE   74,447 0 0
Halliburton Co. COM 406216101 301 6,420 SH   SOLE   6,420 0 0
Henry Schein Inc. COM 806407102 2,008 29,880 SH   SOLE   29,880 0 0
Hexcel Corp. COM 428291108 4,032 62,429 SH   SOLE   62,429 0 0
Honeywell International Inc. COM 438516106 2,946 20,386 SH   SOLE   20,386 0 0
Intel Corp. COM 458140100 6,356 122,045 SH   SOLE   122,045 0 0
International Business Machine COM 459200101 1,395 9,092 SH   SOLE   9,092 0 0
JP Morgan Chase & Co. COM 46625H100 8,737 79,448 SH   SOLE   79,448 0 0
Johnson & Johnson COM 478160104 4,215 32,889 SH   SOLE   32,889 0 0
Kinderhook Bank Corp. COM 494555105 601 16,746 SH   SOLE   16,746 0 0
LKQ Corp. COM 501889208 3,180 83,797 SH   SOLE   83,797 0 0
Lam Research Corp. COM 512807108 2,170 10,683 SH   SOLE   10,683 0 0
M&T Bank Corp. COM 55261F104 7,344 39,835 SH   SOLE   39,835 0 0
McCormick & Co. Inc. COM 579780206 2,011 18,902 SH   SOLE   18,902 0 0
McDonalds Corp. COM 580135101 273 1,744 SH   SOLE   1,744 0 0
McKesson Corp. COM 58155Q103 3,544 25,156 SH   SOLE   25,156 0 0
Medtronic, Plc. COM G5960L103 4,585 57,153 SH   SOLE   57,153 0 0
Merck & Co. COM 58933Y105 5,528 101,483 SH   SOLE   101,483 0 0
Microsoft Corp. COM 594918104 5,793 63,466 SH   SOLE   63,466 0 0
Mondelez International, Inc. COM 609207105 3,117 74,703 SH   SOLE   74,703 0 0
NVIDIA Corp COM 67066G104 360 1,553 SH   SOLE   1,553 0 0
NXP Semiconductors COM N6596X109 4,050 34,616 SH   SOLE   34,616 0 0
NextEra Energy, Inc. COM 65339f101 6,171 37,780 SH   SOLE   37,780 0 0
Nike Inc. COM 654106103 372 5,596 SH   SOLE   5,596 0 0
Oracle Corp. COM 68389X105 4,742 103,661 SH   SOLE   103,661 0 0
PPG Industries Inc. COM 693506107 238 2,132 SH   SOLE   2,132 0 0
Pepsico Inc. COM 713448108 3,911 35,830 SH   SOLE   35,830 0 0
Pfizer Inc. COM 717081103 4,750 133,837 SH   SOLE   133,837 0 0
Phillips 66 COM 718546104 2,925 30,491 SH   SOLE   30,491 0 0
Praxair Inc. COM 74005P104 2,020 14,002 SH   SOLE   14,002 0 0
Procter & Gamble Co. COM 742718109 3,238 40,840 SH   SOLE   40,840 0 0
Prudential Financial COM 744320102 3,267 31,552 SH   SOLE   31,552 0 0
QUALCOMM, Inc. COM 747525103 3,731 67,331 SH   SOLE   67,331 0 0
Redknee Solutions Inc COM 68403N109 16 20,250 SH   SOLE   20,250 0 0
SPDR S&P Biotech ETF COM 78464A870 4,425 50,444 SH   SOLE   50,444 0 0
Schlumberger Ltd. COM 806857108 3,938 60,792 SH   SOLE   60,792 0 0
Skyworks Solutions Inc. COM 83088M102 5,517 55,028 SH   SOLE   55,028 0 0
The Bank of New York Mellon Co COM 064058100 5,284 102,549 SH   SOLE   102,549 0 0
The TJX Companies, Inc. COM 872540109 4,059 49,773 SH   SOLE   49,773 0 0
The Travelers Companies, Inc. COM 89417E109 4,167 30,007 SH   SOLE   30,007 0 0
Time Warner Inc. COM 887317303 4,559 48,200 SH   SOLE   48,200 0 0
US Bancorp COM 902973304 5,266 104,272 SH   SOLE   104,272 0 0
Ulta Salon, Cosmetics & Fragra COM 90384S303 2,281 11,168 SH   SOLE   11,168 0 0
Union Pacific Corporation COM 907818108 3,642 27,094 SH   SOLE   27,094 0 0
United Technologies Corp. COM 913017109 3,567 28,351 SH   SOLE   28,351 0 0
UnitedHealth Group Inc. COM 91324P102 5,959 27,844 SH   SOLE   27,844 0 0
VanEck Vectors Biotech ETF COM 92189F726 3,253 27,026 SH   SOLE   27,026 0 0
Ventas Inc. COM 92276F100 2,433 49,129 SH   SOLE   49,129 0 0
Verizon Communications Inc. COM 92343V104 3,839 80,286 SH   SOLE   80,286 0 0
Visa Inc. COM 92826C839 6,694 55,963 SH   SOLE   55,963 0 0
WEC Energy Group COM 92939U106 2,079 33,156 SH   SOLE   33,156 0 0
Wal-Mart Stores COM 931142103 3,047 34,248 SH   SOLE   34,248 0 0
Walt Disney Co. COM 254687106 3,988 39,709 SH   SOLE   39,709 0 0
Williams-Sonoma, Inc. COM 969904101 3,095 58,654 SH   SOLE   58,654 0 0
Xylem Inc. COM 98419M100 4,330 56,291 SH   SOLE   56,291 0 0
SPDR Gold Trust ETF 78463V107 18,125 144,092 SH   SOLE   144,092 0 0
Vanguard Small-Cap Value Inde ETF 922908611 451 3,482 SH   SOLE   3,482 0 0
Vanguard Dividend Appreciation ETF 921908844 30,581 302,629 SH   SOLE   302,629 0 0
Vanguard FTSE All-World ex-US ETF 922042775 3,044 55,981 SH   SOLE   55,981 0 0
Vanguard Index Fund Small Cap ETF 922908751 413 2,812 SH   SOLE   2,812 0 0
Vanguard Total Stock Market ET ETF 922908769 2,457 18,103 SH   SOLE   18,103 0 0
WisdomTree India Earnings Fund ETF 97717W422 3,622 138,131 SH   SOLE   138,131 0 0
iShares Core MSCI EAFE ETF 46432F842 71,680 1,088,043 SH   SOLE   1,088,043 0 0
iShares Core MSCI Emerging Mar ETF 46434G103 41,993 719,051 SH   SOLE   719,051 0 0
iShares Russell 1000 Growth In ETF 464287614 32,034 235,392 SH   SOLE   235,392 0 0
iShares Russell 2000 Index ETF 464287655 40,300 265,431 SH   SOLE   265,431 0 0