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
3M Company COM 88579Y101 2,521 14,547 SH   SOLE   0 12,740 1,807
A T & T COM 00206R102 1,188 35,478 SH   SOLE   0 30,226 5,252
Abbott Labs COM 002824100 1,237 14,709 SH   SOLE   0 13,353 1,356
Abbvie COM 00287Y109 952 13,102 SH   SOLE   0 11,133 1,969
Accenture plc CL A G1151C101 256 1,386 SH   SOLE   0 1,386 0
ADP COM 053015103 797 4,822 SH   SOLE   0 4,359 463
Aflac Inc COM 001055102 580 10,587 SH   SOLE   0 8,308 2,279
Air Products COM 009158906 339 1,500 SH   SOLE   0 1,500 0
AJ Gallagher Co COM 363576109 709 8,100 SH   SOLE   0 8,100 0
Alibaba Group Hldg Ltd ADS 01609W102 343 2,027 SH   SOLE   0 1,965 62
Alliant Energy COM 018802108 419 8,537 SH   SOLE   0 8,537 0
Alphabet Inc Cl A CAP STK 02079K305 867 801 SH   SOLE   0 765 36
Alphabet Inc Cl C CAP STK 02079K107 937 867 SH   SOLE   0 861 6
Altria Group Inc COM 02209S103 1,349 28,506 SH   SOLE   0 25,933 2,573
Amazon com COM 023135106 1,571 830 SH   SOLE   0 813 17
Amer Electric COM 025537101 684 7,782 SH   SOLE   0 6,578 1,204
Amer Express COM 025816109 757 6,139 SH   SOLE   0 5,669 470
Amer Tower COM 03027X100 1,542 7,544 SH   SOLE   0 6,869 675
Amgen COM 031162100 320 1,737 SH   SOLE   0 1,589 148
Amphenol COM 032095101 233 2,435 SH   SOLE   0 2,435 0
Apple Computer COM 037833100 4,221 21,328 SH   SOLE   0 19,794 1,534
BankAmerica COM 060505104 1,312 45,274 SH   SOLE   0 45,274 0
Becton Dickinson COM 075887109 533 2,115 SH   SOLE   0 2,090 25
Berkshire Htwy Cl A COM 084990175 318 100 SH   SOLE   0 100 0
Berkshire Htwy Cl B COM 084670207 3,587 16,829 SH   SOLE   0 16,603 226
Blackrock Corp Hi Yld ETF 09255P107 135 12,681 SH   SOLE   0 0 12,681
Blackrock Inc COM 09247X101 252 537 SH   SOLE   0 537 0
Blackstone Group COM 09253U108 493 11,100 SH   SOLE   0 8,644 2,456
Boeing Co COM 097023105 2,185 6,004 SH   SOLE   0 5,609 395
Bristol Myers COM 110122108 803 17,724 SH   SOLE   0 12,330 5,394
Broadcom Ltd COM Y0486S104 275 958 SH   SOLE   0 810 148
Caterpillar Inc COM 149123101 1,168 8,572 SH   SOLE   0 7,099 1,473
Celanese Corp COM 150870103 982 9,118 SH   SOLE   0 8,118 1,000
Celgene COM 151020104 314 3,407 SH   SOLE   0 2,805 602
Chevron Corp COM 166764100 1,781 14,317 SH   SOLE   0 12,058 2,259
Chubb Ltd COM H1467J104 938 6,370 SH   SOLE   0 5,533 837
Church Dwight COM 171340102 287 3,933 SH   SOLE   0 2,616 1,317
Churchill Downs COM 171484108 581 5,050 SH   SOLE   0 4,800 250
Cisco Systems Inc COM 17275R102 3,370 61,580 SH   SOLE   0 61,150 430
Citigroup COM 172967101 642 9,175 SH   SOLE   0 9,115 60
Clorox COM 189054109 373 2,442 SH   SOLE   0 2,167 275
Coca-Cola Company COM 191216100 1,542 30,300 SH   SOLE   0 24,986 5,314
ColgatePalmolive COM 194162103 1,278 17,842 SH   SOLE   0 16,112 1,730
Comcast COM 20030N101 900 21,300 SH   SOLE   0 17,321 3,979
Communication Select ETF 81369Y852 7,706 156,581 SH   SOLE   0 138,908 17,673
ConocoPhillips COM 20825C104 770 12,631 SH   SOLE   0 10,152 2,479
Constellation Brand CL A 21036P108 441 2,243 SH   SOLE   0 2,153 90
Consumer Discr SPDR ETF 81369Y407 6,560 55,037 SH   SOLE   0 47,696 7,341
Consumer Stpls SPDR ETF 81369Y308 3,693 63,609 SH   SOLE   0 58,520 5,089
Costco COM 22160K105 2,292 8,673 SH   SOLE   0 7,820 853
CrownCastleIntl COM 228227104 1,053 8,085 SH   SOLE   0 7,310 775
CSX Corp COM 126408103 1,729 22,356 SH   SOLE   0 19,120 3,236
Cummins Inc COM 231021106 2,216 12,935 SH   SOLE   0 10,618 2,317
CVS Health Corp COM 126650100 843 15,488 SH   SOLE   0 13,832 1,656
Danaher Corp COM 235851102 570 3,990 SH   SOLE   0 3,890 100
Deere COM 244199105 461 2,784 SH   SOLE   0 2,659 125
Delta Air Lines COM 247361108 462 8,145 SH   SOLE   0 6,845 1,300
Dow COM 260543103 227 4,609 SH   SOLE   0 4,328 281
Duke Energy COM 26441C105 796 9,023 SH   SOLE   0 7,267 1,756
Dunkin Brands COM 265504100 614 7,716 SH   SOLE   0 6,676 1,040
E I Dupont COM 263534109 319 4,251 SH   SOLE   0 3,970 281
Eastman Chem COM 277432100 556 7,154 SH   SOLE   0 6,554 600
Eli Lilly Company COM 532457108 1,607 14,513 SH   SOLE   0 13,431 1,082
Emerson Electric COM 291011104 495 7,425 SH   SOLE   0 6,395 1,030
Energy Select SPDR ETF 81369Y506 5,269 82,708 SH   SOLE   0 71,113 11,595
Exelon Corporation COM 30161N101 683 14,262 SH   SOLE   0 11,701 2,561
Exxon Mobil COM 30231G102 2,604 33,989 SH   SOLE   0 28,825 5,164
Facebook COM 30303M102 1,307 6,774 SH   SOLE   0 6,478 296
FedEx Corp COM 31428X106 1,204 7,333 SH   SOLE   0 6,943 390
Financial Select COM 81369Y605 5,526 200,230 SH   SOLE   0 180,933 19,297
Firstenergy COM 337932107 299 6,994 SH   SOLE   0 5,734 1,260
Fiserv COM 337738108 207 2,274 SH   SOLE   0 2,274 0
Fulton Financial COM 360271100 311 19,017 SH   SOLE   0 6,580 12,437
General Dynamics COM 369550108 208 1,121 SH   SOLE   0 1,021 100
General Electric COM 369604103 358 34,164 SH   SOLE   0 23,122 11,042
General Mills Inc COM 370334104 315 6,011 SH   SOLE   0 5,311 700
Goldman Sachs ETF Tr ETF 381430503 730 12,421 SH   SOLE   0 12,421 0
Goldman Sachs Grp COM 38141G104 269 1,315 SH   SOLE   0 1,215 100
Groupon CL A 399473107 46 13,000 SH   SOLE   0 13,000 0
Haemonetics COM 405024100 270 2,250 SH   SOLE   0 2,250 0
Healthcare SPDR COM 81369Y209 5,799 62,605 SH   SOLE   0 56,516 6,089
Hershey COM 427866108 513 3,831 SH   SOLE   0 3,680 151
Home Depot COM 437076102 1,365 6,565 SH   SOLE   0 5,778 787
Honeywell Intl COM 438516106 1,084 6,214 SH   SOLE   0 6,169 45
IBM COM 459200101 542 3,936 SH   SOLE   0 3,441 495
Illinois Tool COM 452308109 388 2,573 SH   SOLE   0 2,573 0
Industrial SPDR COM 81369Y704 5,304 68,511 SH   SOLE   0 63,153 5,358
Intel Corp COM 458140100 2,797 58,439 SH   SOLE   0 44,696 13,743
Intl Flavor COM 459506101 203 1,400 SH   SOLE   0 1,400 0
Intl Paper COM 460146103 332 7,684 SH   SOLE   0 7,159 525
Intuit COM 461202103 563 2,155 SH   SOLE   0 2,155 0
Intuitive Surgical COM 46120E602 265 507 SH   SOLE   0 500 7
Invesco BioTech ETF 46137V787 201 3,762 SH   SOLE   0 3,662 100
Invesco Buyback ETF 46137V308 588 9,400 SH   SOLE   0 9,400 0
Invesco Div Achieve ETF 46137V506 829 28,908 SH   SOLE   0 28,908 0
Invesco Dyn Sftwr ETF 46137V639 303 3,167 SH   SOLE   0 3,167 0
Invesco Fin Pfd ETF 46137V621 312 16,956 SH   SOLE   0 16,956 0
Invesco Mgd US Real Estate ETF 46090A101 232 2,587 SH   SOLE   0 2,587 0
Invesco QQQ Tst ETF 46090E103 2,870 15,371 SH   SOLE   0 14,953 418
iShares 0-5 ETF 46429B747 201 2,000 SH   SOLE   0 2,000 0
iShares Core High Div ETF 46429B663 490 5,186 SH   SOLE   0 5,186 0
iShares Core Mid Cap ETF 464287804 4,807 61,408 SH   SOLE   0 55,991 5,417
Ishares Core S&P 500 ETF 464287200 520 1,766 SH   SOLE   0 1,756 10
iShares Core S&P US Stock ETF 464287150 3,582 53,769 SH   SOLE   0 53,769 0
Ishares CoreMSCI ETF 46432F834 911 15,536 SH   SOLE   0 15,536 0
ishares Emerg Mkts ETF 46434G103 2,521 49,011 SH   SOLE   0 45,029 3,982
iShares MSCI ETF 46429B697 234 3,804 SH   SOLE   0 3,615 189
iShares NA Tech ETF 464287515 491 2,248 SH   SOLE   0 2,248 0
iShares Natl Mun ETF 464288414 259 2,292 SH   SOLE   0 2,292 0
iShares Russell 200 ETF 464289420 267 4,952 SH   SOLE   0 4,952 0
Ishares S&P 500 Val ETF 464287408 285 2,453 SH   SOLE   0 2,258 195
iShares S&P 500 Grwth ETF 434287309 215 1,201 SH   SOLE   0 1,201 0
iShares S&P Mid ETF 464287507 1,635 8,418 SH   SOLE   0 8,333 85
iShares Select Div ETF 464287168 1,223 12,287 SH   SOLE   0 11,811 476
iShares Trust Core MSCI ETF 46432F842 2,385 38,845 SH   SOLE   0 33,635 5,210
Ishares USA Momentum ETF 46432F396 328 2,772 SH   SOLE   0 2,772 0
J P Morgan COM 46625H100 1,756 15,708 SH   SOLE   0 11,511 4,197
Johnson & Johnson COM 478160104 6,059 43,502 SH   SOLE   0 37,072 6,430
Kellogg Company COM 487836108 332 6,207 SH   SOLE   0 5,443 764
Kimberly Clark COM 494368103 2,094 15,711 SH   SOLE   0 13,797 1,914
Las Vegas Sands COM 517834107 352 5,962 SH   SOLE   0 5,787 175
Lear COM 521865204 523 3,759 SH   SOLE   0 3,134 625
Lockheed Martin COM 539830109 729 2,005 SH   SOLE   0 1,817 188
Lowes COM 548661107 1,383 13,711 SH   SOLE   0 12,480 1,231
M&T Bank Corp COM 55261F104 413 2,429 SH   SOLE   0 1,908 521
MagellanMidstrm COM 559080106 303 4,744 SH   SOLE   0 4,544 200
Marathon Pete COM 56585A102 225 4,036 SH   SOLE   0 4,036 0
Masco COM 574599106 949 24,199 SH   SOLE   0 21,124 3,075
Mastercard COM 57636Q104 1,077 4,075 SH   SOLE   0 3,875 200
Materials Select SPDR ETF 81369Y100 787 13,456 SH   SOLE   0 12,354 1,102
MBIA COM 55262C100 145 15,600 SH   SOLE   0 15,600 0
McCormick COM 579780206 1,988 12,828 SH   SOLE   0 11,909 919
McDonalds COM 580135101 4,729 22,777 SH   SOLE   0 20,186 2,591
Medtronic Inc COM 585055106 358 3,681 SH   SOLE   0 1,877 1,804
Mercadolibre COM 58733R102 386 631 SH   SOLE   0 631 0
Merck COM 58933Y105 1,837 21,918 SH   SOLE   0 19,063 2,855
Metlife Inc COM 59156R108 751 15,134 SH   SOLE   0 13,609 1,525
Microchip Tech COM 595017104 289 3,340 SH   SOLE   0 2,790 550
Microsoft Corp COM 594918104 6,006 44,835 SH   SOLE   0 39,904 4,931
Mondelez COM 607209105 596 11,060 SH   SOLE   0 10,733 327
Netflix COM 64110L106 648 1,765 SH   SOLE   0 1,665 100
Nextera Energy COM 65339F101 1,007 4,920 SH   SOLE   0 4,920 0
Nike COM 654106103 3,265 38,892 SH   SOLE   0 33,972 4,920
Norfolk Southern COM 655844108 1,746 8,762 SH   SOLE   0 7,462 1,300
Northrop Grumman COM 666807102 1,252 3,875 SH   SOLE   0 3,193 682
Oracle Corp COM 68389X105 1,456 25,568 SH   SOLE   0 20,972 4,596
Parker Hannifin COM 701094104 340 2,003 SH   SOLE   0 1,603 400
Paychex COM 704326107 324 3,938 SH   SOLE   0 3,872 66
Paypal COM 70450Y103 395 3,458 SH   SOLE   0 3,442 16
PepsiCo COM 713448108 4,466 34,059 SH   SOLE   0 27,826 6,233
Performance Shipping COM Y67305105 116 120,000 SH   SOLE   0 120,000 0
Pfizer COM 717081103 2,170 50,103 SH   SOLE   0 43,658 6,445
PhilipMorrisIntl COM 718172109 572 7,296 SH   SOLE   0 6,523 773
Phillips 66 COM 718546104 538 5,759 SH   SOLE   0 5,135 624
PNC Financial COM 693475105 401 2,928 SH   SOLE   0 2,828 100
PPG Industries COM 693506107 463 3,969 SH   SOLE   0 3,969 0
PPL Corp COM 69351T106 381 12,293 SH   SOLE   0 10,325 1,968
Procter & Gamble COM 742718109 4,922 44,893 SH   SOLE   0 38,717 6,176
Prudential Financial COM 744320102 1,183 11,719 SH   SOLE   0 10,669 1,050
Public Storage COM 74460D109 940 3,950 SH   SOLE   0 3,950 0
Raytheon COM 755111507 249 1,433 SH   SOLE   0 1,110 323
Real Estate Select SPDR ETF 81369Y860 2,208 60,074 SH   SOLE   0 47,857 12,217
Royal Dutch Shell ADR 780259206 345 5,312 SH   SOLE   0 4,355 957
Schwab Emrg Mkt ETF 808524706 1,850 70,515 SH   SOLE   0 62,184 8,331
Schwab Intl Equity ETF 808524805 3,800 118,438 SH   SOLE   0 105,876 12,562
Schwab US Broad ETF 808524102 14,958 212,080 SH   SOLE   0 190,035 22,045
Schwab US Dividend ETF 808524797 1,223 23,050 SH   SOLE   0 18,294 4,756
Schwab US Lg Cap ETF 808524201 4,984 71,013 SH   SOLE   0 67,441 3,572
Schwab US MidCap ETF 818524508 836 14,654 SH   SOLE   0 13,036 1,618
Schwab US Sml Cap ETF 808524607 1,429 20,004 SH   SOLE   0 19,490 514
Schwb US Bond ETF 808524839 793 14,978 SH   SOLE   0 10,839 4,139
SEI Investments COM 784117103 224 4,000 SH   SOLE   0 4,000 0
ServiceNow COM 81762P102 255 930 SH   SOLE   0 0 930
Sherwin Williams COM 824348106 557 1,215 SH   SOLE   0 1,215 0
SPDR DJIA ETF 78467X109 607 2,283 SH   SOLE   0 2,196 87
SPDR S&P 500 ETF 78462F103 10,700 36,520 SH   SOLE   0 34,959 1,561
SPDR S&P Mid Cap ETF 78467Y107 2,670 7,531 SH   SOLE   0 7,531 0
StanleyBlackDecker COM 854502101 652 4,513 SH   SOLE   0 4,313 200
Starbucks COM 855244109 1,707 20,365 SH   SOLE   0 17,499 2,866
Sun Communities COM 866674104 1,614 12,597 SH   SOLE   0 12,597 0
SunTrust Banks COM 867914103 410 6,532 SH   SOLE   0 6,107 425
T Rowe Price Associates COM 74144T108 479 4,370 SH   SOLE   0 4,370 0
Target Inc COM 87612E106 888 10,256 SH   SOLE   0 8,943 1,313
Technology SPDR ETF 81369Y803 4,518 57,904 SH   SOLE   0 53,525 4,379
Textron COM 883203101 446 8,421 SH   SOLE   0 8,421 0
Travelers Co COM 89417E109 2,413 16,140 SH   SOLE   0 13,967 2,173
Union Pacific COM 907818108 1,007 5,959 SH   SOLE   0 5,409 550
United Tech COM 913017109 1,405 10,793 SH   SOLE   0 9,215 1,578
Utilities SPDR ETF 81369Y886 1,970 33,047 SH   SOLE   0 28,370 4,677
V F Corporation COM 918204108 918 10,513 SH   SOLE   0 10,313 200
Valero Energy COM 91913Y100 200 2,343 SH   SOLE   0 2,343 0
Vanguard Cons Spls ETF 92204A207 1,074 7,222 SH   SOLE   0 5,820 1,402
Vanguard ConsDiscr COM 92204A108 664 3,702 SH   SOLE   0 3,477 225
Vanguard Energy ETF 92204A306 2,245 26,414 SH   SOLE   0 25,642 772
Vanguard Fin ETF 92204A405 11,739 170,109 SH   SOLE   0 146,355 23,754
Vanguard FTSE ETF 922042775 9,999 196,114 SH   SOLE   0 173,314 22,800
Vanguard Health ETF 92204A504 16,341 93,946 SH   SOLE   0 84,293 9,653
Vanguard Industrials ETF 92204A603 1,638 11,237 SH   SOLE   0 9,192 2,045
Vanguard InfoTech ETF 92204A702 31,347 148,643 SH   SOLE   0 130,787 17,856
Vanguard Materials ETF 92204A801 566 4,421 SH   SOLE   0 3,687 734
Vanguard Mid Cap ETF 922908629 1,320 7,900 SH   SOLE   0 7,900 0
Vanguard S&P 500 ETF 922908363 738 2,742 SH   SOLE   0 2,742 0
Vanguard SmallCap ETF 922908751 14,430 92,115 SH   SOLE   0 83,889 8,226
Vanguard Telecom ETF 92204A884 2,025 23,361 SH   SOLE   0 20,322 3,039
Vanguard Total Stk ETF 922908769 20,708 137,975 SH   SOLE   0 131,230 6,745
Vanguard Total World ETF 922042742 941 12,520 SH   SOLE   0 12,145 375
Vanguard Ttl Bond ETF 921937835 251 3,022 SH   SOLE   0 2,681 341
Vanguard Ttl Intl ETF 921909768 11,017 208,868 SH   SOLE   0 192,917 15,951
Vanguard Utilities ETF 92204A876 2,723 20,486 SH   SOLE   0 18,686 1,800
Vanguard Value ETF 922908744 734 6,621 SH   SOLE   0 6,621 0
Vanguarrd REIT ETF 922908553 676 7,736 SH   SOLE   0 7,436 300
Ventas Inc COM 92276F100 257 3,762 SH   SOLE   0 800 2,962
Verizon Comm COM 92343V104 1,836 32,150 SH   SOLE   0 27,656 4,494
Vgrd Bd Short Term ETF 921937827 345 4,284 SH   SOLE   0 4,284 0
Vgrd Scottsdale Int Term Gov ETF 92206C706 5,468 82,889 SH   SOLE   0 82,889 0
Vguard Adm Mid Cap ETF 921932844 277 2,261 SH   SOLE   0 2,261 0
Vguard Dev Mkt ETF 921943858 1,669 40,015 SH   SOLE   0 35,100 4,915
Vguard Emer Mkt ETF 922042858 2,906 68,332 SH   SOLE   0 66,062 2,270
Vguard FTSE All ETF 922042718 325 3,095 SH   SOLE   0 3,071 24
Vguard Growth ETF 933908736 254 1,557 SH   SOLE   0 1,557 0
Vguard Lg Cap ETF 922908637 278 2,069 SH   SOLE   0 2,069 0
Vguard S-Term Corp ETF 92206C409 914 11,334 SH   SOLE   0 10,019 1,315
Visa CL A 92826C839 1,765 10,172 SH   SOLE   0 9,202 970
Walgreen Boots COM 931427108 240 4,407 SH   SOLE   0 4,407 0
Walmart Stores COM 931142103 1,380 12,492 SH   SOLE   0 11,978 514
Walt Disney COM 254687106 5,804 41,571 SH   SOLE   0 36,614 4,957
Waste Mgmt COM 94106L109 1,371 11,883 SH   SOLE   0 9,777 2,106
Wells Fargo COM 949746101 368 7,792 SH   SOLE   0 7,732 60
Weyerhauser COM 962166104 341 12,974 SH   SOLE   0 12,174 800
WW Grainger COM 384802104 445 1,660 SH   SOLE   0 1,660 0
Yum China COM 98850P109 439 9,506 SH   SOLE   0 9,001 505
Yum! Brands Inc COM 988498101 2,540 22,955 SH   SOLE   0 20,316 2,639
Zebra Tech COM 989207105 272 1,300 SH   SOLE   0 1,300 0