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 2,427 115,616 SH   SOLE   115,616 0 0
SPDR Barclays International Co ETF 78464A151 292 8,632 SH   SOLE   8,632 0 0
SPDR Bloomberg Barclays I.G. F ETF 78468R200 14,597 474,703 SH   SOLE   474,703 0 0
Schwab US Aggregate Bond ETF ETF 808524839 2,483 49,038 SH   SOLE   49,038 0 0
Schwab US TIPS ETF ETF 808524870 316 5,747 SH   SOLE   5,747 0 0
Vanguard Short Term Corp Bond ETF 92206C409 30,857 395,100 SH   SOLE   395,100 0 0
Vanguard Short-Term Bond ETF ETF 921937827 1,795 22,948 SH   SOLE   22,948 0 0
iShares Barclays Interm Govt/C ETF 464288612 26,991 250,475 SH   SOLE   250,475 0 0
3M Co. COM 88579Y101 488 2,479 SH   SOLE   2,479 0 0
AT&T Inc. COM 00206R102 2,992 93,168 SH   SOLE   93,168 0 0
AbbVie Inc. COM 00287Y109 475 5,128 SH   SOLE   5,128 0 0
Albemarle Corp. COM 012653101 2,107 22,338 SH   SOLE   22,338 0 0
Alphabet, Inc. - Class A COM 02079K305 400 354 SH   SOLE   354 0 0
Alphabet, Inc. - Class C Non-V COM 02079K107 5,701 5,110 SH   SOLE   5,110 0 0
Altria Group Inc. COM 02209S103 404 7,110 SH   SOLE   7,110 0 0
American Express COM 025816109 229 2,340 SH   SOLE   2,340 0 0
Anthem, Inc. COM 036752103 6,235 26,195 SH   SOLE   26,195 0 0
Apple Inc. COM 037833100 11,309 61,094 SH   SOLE   61,094 0 0
BB & T Corp. COM 054937107 5,686 112,725 SH   SOLE   112,725 0 0
Berkshire Hathaway CL B COM 084670702 432 2,313 SH   SOLE   2,313 0 0
BlackRock, Inc. COM 09247X101 5,910 11,843 SH   SOLE   11,843 0 0
Boeing Co. COM 097023105 2,375 7,080 SH   SOLE   7,080 0 0
Booking Holdings Inc COM 09857L108 4,944 2,439 SH   SOLE   2,439 0 0
C. H. Robinson Worldwide Inc. COM 12541W209 2,380 28,449 SH   SOLE   28,449 0 0
CVS Health Corporation COM 126650100 4,361 67,771 SH   SOLE   67,771 0 0
Carters Inc. COM 146229109 4,053 37,390 SH   SOLE   37,390 0 0
Caterpillar Inc. COM 149123101 1,989 14,663 SH   SOLE   14,663 0 0
Chevron Corp. COM 166764100 4,735 37,454 SH   SOLE   37,454 0 0
Church & Dwight Co. Inc. COM 171340102 1,996 37,548 SH   SOLE   37,548 0 0
Cisco Systems Inc. COM 17275R102 5,219 121,279 SH   SOLE   121,279 0 0
Coca Cola Co. COM 191216100 367 8,377 SH   SOLE   8,377 0 0
Cognizant Technology Solutions COM 192446102 3,970 50,262 SH   SOLE   50,262 0 0
Colgate Palmolive Co. COM 194162103 3,186 49,166 SH   SOLE   49,166 0 0
Comcast Corp Class A COM 20030N101 211 6,428 SH   SOLE   6,428 0 0
Costco Wholesale Corp. COM 22160K105 2,410 11,530 SH   SOLE   11,530 0 0
Deere & Co. COM 244199105 2,042 14,609 SH   SOLE   14,609 0 0
Dell Technologies Inc. COM 24703L103 1,119 13,231 SH   SOLE   13,231 0 0
Dollar Tree, Inc. COM 256746108 3,877 45,608 SH   SOLE   45,608 0 0
EQT Corp. COM 26884L109 2,162 39,185 SH   SOLE   39,185 0 0
Eagle Materials Inc. COM 26969P108 2,100 20,005 SH   SOLE   20,005 0 0
Enbridge Inc. COM 29250N105 3,164 88,649 SH   SOLE   88,649 0 0
Expedia Group, Inc. COM 30212P303 3,874 32,236 SH   SOLE   32,236 0 0
Exxon Mobil Corp. COM 30231G102 8,071 97,564 SH   SOLE   97,564 0 0
Fastenal Co. COM 311900104 2,399 49,839 SH   SOLE   49,839 0 0
General Electric Co. COM 369604103 1,081 79,442 SH   SOLE   79,442 0 0
HSBC Holdings PLC ADR COM 404280406 3,625 76,892 SH   SOLE   76,892 0 0
Hain Celestial Group COM 405217100 2,289 76,806 SH   SOLE   76,806 0 0
Halliburton Co. COM 406216101 289 6,420 SH   SOLE   6,420 0 0
Henry Schein Inc. COM 806407102 2,125 29,260 SH   SOLE   29,260 0 0
Hexcel Corp. COM 428291108 4,136 62,309 SH   SOLE   62,309 0 0
Home Depot, Inc. COM 437076102 212 1,085 SH   SOLE   1,085 0 0
Honeywell International Inc. COM 438516106 2,957 20,529 SH   SOLE   20,529 0 0
Intel Corp. COM 458140100 6,065 122,011 SH   SOLE   122,011 0 0
International Business Machine COM 459200101 1,273 9,115 SH   SOLE   9,115 0 0
Itronics Inc COM 465743300 10 20,000 SH   SOLE   20,000 0 0
JP Morgan Chase & Co. COM 46625H100 8,351 80,141 SH   SOLE   80,141 0 0
Johnson & Johnson COM 478160104 4,022 33,149 SH   SOLE   33,149 0 0
Kinderhook Bank Corp. COM 494555105 598 16,746 SH   SOLE   16,746 0 0
LKQ Corp. COM 501889208 2,737 85,803 SH   SOLE   85,803 0 0
Lam Research Corp. COM 512807108 2,906 16,815 SH   SOLE   16,815 0 0
M&T Bank Corp. COM 55261F104 6,802 39,976 SH   SOLE   39,976 0 0
McCormick & Co. Inc. COM 579780206 2,173 18,721 SH   SOLE   18,721 0 0
McDonalds Corp. COM 580135101 272 1,734 SH   SOLE   1,734 0 0
McKesson Corp. COM 58155Q103 3,377 25,317 SH   SOLE   25,317 0 0
Medtronic, Plc. COM G5960L103 4,940 57,707 SH   SOLE   57,707 0 0
Merck & Co. COM 58933Y105 6,221 102,485 SH   SOLE   102,485 0 0
Microsoft Corp. COM 594918104 6,321 64,103 SH   SOLE   64,103 0 0
Mondelez International, Inc. COM 609207105 3,868 94,337 SH   SOLE   94,337 0 0
NVIDIA Corp COM 67066G104 368 1,553 SH   SOLE   1,553 0 0
NXP Semiconductors COM N6596X109 3,791 34,696 SH   SOLE   34,696 0 0
NextEra Energy, Inc. COM 65339f101 6,371 38,143 SH   SOLE   38,143 0 0
Nike Inc. COM 654106103 452 5,672 SH   SOLE   5,672 0 0
Oracle Corp. COM 68389X105 4,599 104,376 SH   SOLE   104,376 0 0
PPG Industries Inc. COM 693506107 221 2,132 SH   SOLE   2,132 0 0
Pepsico Inc. COM 713448108 4,947 45,441 SH   SOLE   45,441 0 0
Pfizer Inc. COM 717081103 4,827 133,042 SH   SOLE   133,042 0 0
Phillips 66 COM 718546104 3,468 30,882 SH   SOLE   30,882 0 0
Praxair Inc. COM 74005P104 2,207 13,954 SH   SOLE   13,954 0 0
Procter & Gamble Co. COM 742718109 3,188 40,834 SH   SOLE   40,834 0 0
Prudential Financial COM 744320102 2,952 31,567 SH   SOLE   31,567 0 0
QUALCOMM, Inc. COM 747525103 3,766 67,098 SH   SOLE   67,098 0 0
SPDR S&P Biotech ETF COM 78464A870 4,787 50,290 SH   SOLE   50,290 0 0
Schlumberger Ltd. COM 806857108 4,103 61,217 SH   SOLE   61,217 0 0
Skyworks Solutions Inc. COM 83088M102 5,326 55,103 SH   SOLE   55,103 0 0
The Bank of New York Mellon Co COM 064058100 5,603 103,891 SH   SOLE   103,891 0 0
The TJX Companies, Inc. COM 872540109 4,786 50,280 SH   SOLE   50,280 0 0
The Travelers Companies, Inc. COM 89417E109 3,704 30,278 SH   SOLE   30,278 0 0
US Bancorp COM 902973304 5,300 105,955 SH   SOLE   105,955 0 0
Ulta Salon, Cosmetics & Fragra COM 90384S303 2,584 11,070 SH   SOLE   11,070 0 0
Union Pacific Corporation COM 907818108 3,823 26,982 SH   SOLE   26,982 0 0
United Technologies Corp. COM 913017109 3,570 28,553 SH   SOLE   28,553 0 0
UnitedHealth Group Inc. COM 91324P102 6,768 27,588 SH   SOLE   27,588 0 0
VanEck Vectors Biotech ETF COM 92189F726 3,230 26,921 SH   SOLE   26,921 0 0
Ventas Inc. COM 92276F100 2,742 48,155 SH   SOLE   48,155 0 0
Verizon Communications Inc. COM 92343V104 4,113 81,752 SH   SOLE   81,752 0 0
Visa Inc. COM 92826C839 7,387 55,775 SH   SOLE   55,775 0 0
WEC Energy Group COM 92939U106 2,172 33,590 SH   SOLE   33,590 0 0
Wal-Mart Stores COM 931142103 2,938 34,297 SH   SOLE   34,297 0 0
Walt Disney Co. COM 254687106 4,264 40,679 SH   SOLE   40,679 0 0
Williams-Sonoma, Inc. COM 969904101 3,609 58,803 SH   SOLE   58,803 0 0
Xylem Inc. COM 98419M100 1,855 27,530 SH   SOLE   27,530 0 0
ETFS Physical Swiss Gold ETF 26922Y105 365 3,020 SH   SOLE   3,020 0 0
SPDR Gold Trust ETF 78463V107 17,416 146,783 SH   SOLE   146,783 0 0
Schwab Emerging Markets Equity ETF 808524706 841 32,482 SH   SOLE   32,482 0 0
Schwab International Equity ET ETF 808524805 1,541 46,634 SH   SOLE   46,634 0 0
Schwab US Large-Cap ETF ETF 808524201 6,439 99,078 SH   SOLE   99,078 0 0
Schwab US Small-Cap ETF ETF 808524607 858 11,656 SH   SOLE   11,656 0 0
Vanguard Small-Cap Value Inde ETF 922908611 473 3,482 SH   SOLE   3,482 0 0
Vanguard Dividend Appreciation ETF 921908844 32,519 320,002 SH   SOLE   320,002 0 0
Vanguard FTSE All-World ex-US ETF 922042775 3,014 58,141 SH   SOLE   58,141 0 0
Vanguard Growth ETF ETF 922908736 210 1,400 SH   SOLE   1,400 0 0
Vanguard Index Fund Small Cap ETF 922908751 438 2,812 SH   SOLE   2,812 0 0
Vanguard Total Stock Market ET ETF 922908769 2,674 19,038 SH   SOLE   19,038 0 0
WisdomTree India Earnings Fund ETF 97717W422 3,532 140,315 SH   SOLE   140,315 0 0
iShares Core MSCI EAFE ETF 46432F842 70,221 1,108,109 SH   SOLE   1,108,109 0 0
iShares Core MSCI Emerging Mar ETF 46434G103 38,594 734,982 SH   SOLE   734,982 0 0
iShares Russell 1000 Growth In ETF 464287614 34,318 238,652 SH   SOLE   238,652 0 0
iShares Russell 2000 Index ETF 464287655 41,588 253,942 SH   SOLE   253,942 0 0