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
3M CO COM 88579Y101 933 5,600 SH   SOLE   5,600 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 982 8,510 SH   SOLE   8,510 0 0
ALPHABET INC CAP STK CL C 02079K107 1,125 1,510 SH   SOLE   1,510 0 0
AMERICAN TOWER CORP NEW COM 03027X100 1,084 10,590 SH   SOLE   10,590 0 0
AMGEN INC COM 031162100 1,714 11,434 SH   SOLE   11,434 0 0
APPLE INC COM 037833100 1,931 17,721 SH   SOLE   17,721 0 0
AT&T INC COM 00206R102 837 21,371 SH   SOLE   21,371 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 858 9,565 SH   SOLE   9,565 0 0
BECTON DICKINSON & CO COM 075887109 881 5,800 SH   SOLE   5,800 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 220 1,550 SH   SOLE   1,550 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 396 6,200 SH   SOLE   6,200 0 0
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 253 6,000 SH   SOLE   6,000 0 0
CHEVRON CORP NEW COM 166764100 1,356 14,216 SH   SOLE   14,216 0 0
CHURCH & DWIGHT INC COM 171340102 1,371 14,870 SH   SOLE   14,870 0 0
CIGNA CORPORATION COM 125509109 926 6,748 SH   SOLE   6,748 0 0
COCA COLA CO COM 191216100 352 7,596 SH   SOLE   7,596 0 0
CONOCOPHILLIPS COM 20825C104 553 13,738 SH   SOLE   13,738 0 0
CSX CORP COM 126408103 464 18,000 SH   SOLE   18,000 0 0
CVS HEALTH CORP COM 126650100 1,038 10,005 SH   SOLE   10,005 0 0
DU PONT E I DE NEMOURS & CO COM 263534109 342 5,395 SH   SOLE   5,395 0 0
EQUIFAX INC COM 294429105 1,031 9,020 SH   SOLE   9,020 0 0
EVEREST RE GROUP LTD COM G3223R108 930 4,710 SH   SOLE   4,710 0 0
EXXON MOBIL CORP COM 30231G102 1,532 18,327 SH   SOLE   18,327 0 0
GENERAL ELECTRIC CO COM 369604103 1,106 34,779 SH   SOLE   34,779 0 0
GENERAL MLS INC COM 370334104 356 5,625 SH   SOLE   5,625 0 0
HOME DEPOT INC COM 437076102 1,087 8,145 SH   SOLE   8,145 0 0
HONEYWELL INTL INC COM 438516106 1,814 16,185 SH   SOLE   16,185 0 0
HORMEL FOODS CORP COM 440452100 1,812 41,905 SH   SOLE   41,905 0 0
ILLINOIS TOOL WKS INC COM 452308109 951 9,285 SH   SOLE   9,285 0 0
INDEXIQ ETF TR US RL EST SMCP 45409B628 509 20,310 SH   SOLE   20,310 0 0
INTEL CORP COM 458140100 259 8,000 SH   SOLE   8,000 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 803 5,302 SH   SOLE   5,302 0 0
ISHARES EM MK MINVOL ETF 464286533 3,662 71,287 SH   SOLE   71,287 0 0
ISHARES IBONDS SEP17 ETF 464289271 256 9,350 SH   SOLE   9,350 0 0
ISHARES IBONDS SEP16 ETF 464289313 254 9,600 SH   SOLE   9,600 0 0
ISHARES INC CORE MSCI EMKT 46434G103 386 9,263 SH   SOLE   9,263 0 0
ISHARES TR TIPS BD ETF 464287176 224 1,950 SH   SOLE   1,950 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 409 11,935 SH   SOLE   11,935 0 0
ISHARES TR COHEN&STEER REIT 464287564 506 4,905 SH   SOLE   4,905 0 0
ISHARES TR U.S. TECH ETF 464287721 427 3,934 SH   SOLE   3,934 0 0
ISHARES TR IBONDS SEP19 ETF 46429B564 259 10,100 SH   SOLE   10,100 0 0
ISHARES TR IBONDS SEP18 ETF 46429B580 256 9,995 SH   SOLE   9,995 0 0
ISHARES TR EAFE MIN VOL ETF 46429B689 15,306 230,372 SH   SOLE   230,372 0 0
ISHARES TR USA MIN VOL ETF 46429B697 12,235 278,500 SH   SOLE   278,500 0 0
ISHARES TR MSCI USAMOMFCT 46432F396 413 5,655 SH   SOLE   5,655 0 0
ISHARES TR CORE MSCI EAFE 46432F842 827 15,560 SH   SOLE   15,560 0 0
ISHARES TR IBONDS SEP20 ETF 46434V571 294 11,425 SH   SOLE   11,425 0 0
JOHNSON & JOHNSON COM 478160104 789 7,290 SH   SOLE   7,290 0 0
JPMORGAN CHASE & CO COM 46625H100 335 5,652 SH   SOLE   5,652 0 0
MICROSOFT CORP COM 594918104 1,186 21,465 SH   SOLE   21,465 0 0
NORFOLK SOUTHERN CORP COM 655844108 666 8,000 SH   SOLE   8,000 0 0
NOVO-NORDISK A S ADR 670100205 822 15,170 SH   SOLE   15,170 0 0
ORACLE CORP COM 68389X105 254 6,202 SH   SOLE   6,202 0 0
PEPSICO INC COM 713448108 1,365 13,318 SH   SOLE   13,318 0 0
PFIZER INC COM 717081103 780 26,310 SH   SOLE   26,310 0 0
PHILLIPS 66 COM 718546104 512 5,910 SH   SOLE   5,910 0 0
PIMCO HIGH INCOME FD COM SHS 722014107 138 15,517 SH   SOLE   15,517 0 0
PROCTER & GAMBLE CO COM 742718109 269 3,265 SH   SOLE   3,265 0 0
PUBLIC STORAGE COM 74460D109 834 3,025 SH   SOLE   3,025 0 0
QUALCOMM INC COM 747525103 455 8,890 SH   SOLE   8,890 0 0
SCHLUMBERGER LTD COM 806857108 590 8,000 SH   SOLE   8,000 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US SC 808524763 452 15,750 SH   SOLE   15,750 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 10,626 192,390 SH   SOLE   192,390 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 17,244 339,450 SH   SOLE   339,450 0 0
SOUTHERN CO COM 842587107 353 6,825 SH   SOLE   6,825 0 0
STARBUCKS CORP COM 855244109 1,052 17,625 SH   SOLE   17,625 0 0
TIME WARNER CABLE INC COM 88732J207 302 1,477 SH   SOLE   1,477 0 0
UNITED PARCEL SERVICE INC CL B 911312106 837 7,935 SH   SOLE   7,935 0 0
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 549 6,810 SH   SOLE   6,810 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 5,153 59,145 SH   SOLE   59,145 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 253 2,525 SH   SOLE   2,525 0 0
VANGUARD INDEX FDS REIT ETF 922908553 7,241 86,413 SH   SOLE   86,413 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 8,454 82,980 SH   SOLE   82,980 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 2,658 24,965 SH   SOLE   24,965 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 721 6,874 SH   SOLE   6,874 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 347 10,025 SH   SOLE   10,025 0 0
VANGUARD SPECIALIZED PORTFOL DIV APP ETF 921908844 3,343 41,146 SH   SOLE   41,146 0 0
VANGUARD TAX MANAGED INTL FD FTSE DEV MKT ETF 921943858 3,126 87,125 SH   SOLE   87,125 0 0
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 249 3,605 SH   SOLE   3,605 0 0
VANGUARD WHITEHALL FDS INC INTL DVD ETF 921946810 851 15,805 SH   SOLE   15,805 0 0
VISA INC COM CL A 92826C839 1,723 22,533 SH   SOLE   22,533 0 0
WAL-MART STORES INC COM 931142103 548 8,000 SH   SOLE   8,000 0 0
WASTE MGMT INC DEL COM 94106L109 1,525 25,855 SH   SOLE   25,855 0 0
WELLS FARGO & CO NEW COM 949746101 227 4,685 SH   SOLE   4,685 0 0