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 COM 88579Y101 316 1,500 SH   SOLE   1,500 0 0
ALLSTATE CORP COM COM 020002101 494 5,000 SH   SOLE   5,000 0 0
ALPHABET INC CLASS A COM 02079K305 274 227 SH   SOLE   227 0 0
ALPHABET INC CLASS C COM 02079K107 243 204 SH   SOLE   204 0 0
AMBEV S.A. COM 02319V103 146 32,010 SH   SOLE   32,010 0 0
AMERICA MOVIL SAB DE CV SPON A COM 02364W105 254 15,817 SH   SOLE   15,817 0 0
AMERISOURCEBERGEN CORP COM COM 03073E105 226 2,450 SH   SOLE   2,450 0 0
APPLE INC COM COM 037833100 871 3,859 SH   SOLE   3,859 0 0
AT&T INC COM COM 00206R102 7,419 220,921 SH   SOLE   220,921 0 0
BANCO BRADESCO S A SP ADR PFD COM 059460303 123 17,319 SH   SOLE   17,319 0 0
BECTON DICKINSON & CO COM COM 075887109 14,141 54,180 SH   SOLE   54,180 0 0
BLACKROCK INC COM COM 09247X101 12,000 25,459 SH   SOLE   25,459 0 0
BRISTOL MYERS SQUIBB CO COM COM 110122108 9,153 147,431 SH   SOLE   147,431 0 0
CATERPILLAR INC DEL COM COM 149123101 14,659 96,128 SH   SOLE   96,128 0 0
CHEVRON CORP NEW COM COM 166764100 11,041 90,293 SH   SOLE   90,293 0 0
CISCO SYS INC COM COM 17275R102 292 6,000 SH   SOLE   6,000 0 0
COLGATE PALMOLIVE CO COM COM 194162103 536 8,000 SH   SOLE   8,000 0 0
COMPANHIA PARANAENSE ENERG COP COM 20441B407 79 15,000 SH   SOLE   15,000 0 0
DEERE & CO COM COM 244199105 13,182 87,689 SH   SOLE   87,689 0 0
DISCOVER FINL SVCS COM COM 254709108 396 5,180 SH   SOLE   5,180 0 0
DISNEY WALT CO COM DISNEY COM 254687106 11,399 97,479 SH   SOLE   97,479 0 0
DOMINION ENERGY COM 25746U109 7,203 102,497 SH   SOLE   102,497 0 0
DOWDUPONT INC COM 26078J100 9,301 144,631 SH   SOLE   144,631 0 0
EMERSON ELEC CO COM COM 291011104 953 12,450 SH   SOLE   12,450 0 0
EXXON MOBIL CORP COM COM 30231G102 9,544 112,258 SH   SOLE   112,258 0 0
HOME DEPOT INC COM COM 437076102 14,289 68,980 SH   SOLE   68,980 0 0
INTEL CORP COM COM 458140100 9,798 207,195 SH   SOLE   207,195 0 0
INTERNATIONAL FLAVORS & FRAGRA COM 459506101 264 1,900 SH   SOLE   1,900 0 0
ITAU UNIBANCO HLDG SA SPON ADR COM 465562106 212 19,270 SH   SOLE   19,270 0 0
JOHNSON & JOHNSON COM COM 478160104 10,231 74,049 SH   SOLE   74,049 0 0
JPMORGAN CHASE & CO COM COM 46625H100 210 1,861 SH   SOLE   1,861 0 0
KROGER CO COM COM 501044101 7,003 240,580 SH   SOLE   240,580 0 0
KT CORP SPONSORED ADR COM 48268K101 178 11,956 SH   SOLE   11,956 0 0
LOWES COS INC COM COM 548661107 344 3,000 SH   SOLE   3,000 0 0
M & T BK CORP COM COM 55261F104 9,154 55,632 SH   SOLE   55,632 0 0
MARSH & MCLENNAN COS INC COM COM 571748102 7,034 85,038 SH   SOLE   85,038 0 0
MCDONALDS CORP COM COM 580135101 12,504 74,746 SH   SOLE   74,746 0 0
MEDTRONIC PLC SHS COM G5960L103 8,111 82,454 SH   SOLE   82,454 0 0
MERCK & CO INC NEW COM COM 58933Y105 8,782 123,792 SH   SOLE   123,792 0 0
MICROSOFT CORP COM COM 594918104 16,933 148,053 SH   SOLE   148,053 0 0
NASPERS LTD SPON ADR N SHS COM 631512209 269 6,285 SH   SOLE   6,285 0 0
NEXTERA ENERGY INC COM COM 65339F101 1,056 6,300 SH   SOLE   6,300 0 0
NORTHERN TRUST CORP COM 665859104 7,846 76,819 SH   SOLE   76,819 0 0
PEPSICO INC COM COM 713448108 8,205 73,390 SH   SOLE   73,390 0 0
PETROCHINA CO LTD ADR COM 71646E100 340 4,176 SH   SOLE   4,176 0 0
PNC FINL SVCS GROUP INC COM COM 693475105 377 2,768 SH   SOLE   2,768 0 0
PROCTER & GAMBLE CO COM COM 742718109 7,016 84,300 SH   SOLE   84,300 0 0
PRUDENTIAL FINANCIAL COM 744320102 7,176 70,828 SH   SOLE   70,828 0 0
QUALCOMM INC COM COM 747525103 9,252 128,453 SH   SOLE   128,453 0 0
REPUBLIC SVCS INC COM COM 760759100 5,983 82,349 SH   SOLE   82,349 0 0
S & P GLOBAL INC COM 78409V104 825 4,224 SH   SOLE   4,224 0 0
SCHLUMBERGER LTD COM COM 806857108 3,236 53,119 SH   SOLE   53,119 0 0
SINOPEC SHANGHAI PETROCHEMICAL COM 82935M109 224 3,704 SH   SOLE   3,704 0 0
SOUTHERN COPPER CORP COM COM 84265V105 211 4,890 SH   SOLE   4,890 0 0
SURGUTNEFTEGAZ COM 868861105 228 39,980 SH   SOLE   39,980 0 0
TAIWAN SEMICONDUCTOR MFG LTD S COM 874039100 246 5,575 SH   SOLE   5,575 0 0
TEXAS INSTRS INC COM COM 882508104 11,437 106,601 SH   SOLE   106,601 0 0
UNION PAC CORP COM COM 907818108 6,830 41,947 SH   SOLE   41,947 0 0
UNITED TECHNOLOGIES CORP COM COM 913017109 8,895 63,620 SH   SOLE   63,620 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 8,157 152,783 SH   SOLE   152,783 0 0
WAL-MART STORES INC COM COM 931142103 10,025 106,756 SH   SOLE   106,756 0 0
WASHINGTON FED INC COM COM 938824109 507 15,832 SH   SOLE   15,832 0 0
ZIMMER BIOMET HLDGS INC COM COM 98956P102 244 1,856 SH   SOLE   1,856 0 0
INVESCO FTSE RAFI US 1000 ETF ETF 46137V613 2,013 16,950 SH   SOLE   16,950 0 0
INVESCO S&P 500 PURE GROWTH ET ETF 46137V266 32,903 273,595 SH   SOLE   273,595 0 0
IPATH COMMODITY ETF ETF 06738C778 7,376 310,450 SH   SOLE   310,450 0 0
ISHARES GOLD TRUST ISHARES ETF 464285105 247 21,602 SH   SOLE   21,602 0 0
SPDR GOLD TRUST GOLD SHS ETF 78463V107 441 3,912 SH   SOLE   3,912 0 0
VANGUARD GROWTH ETF ETF 922908736 1,920 11,921 SH   SOLE   11,921 0 0
VANGUARD INDEX FDS MID CAP ETF ETF 922908629 21,848 133,067 SH   SOLE   133,067 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595 791 4,221 SH   SOLE   4,221 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 845 6,060 SH   SOLE   6,060 0 0
VANGUARD SPECIALIZED PORTFOLIO ETF 921908844 1,125 10,160 SH   SOLE   10,160 0 0
VANGUARD VALUE ETF ETF 922908744 699 6,311 SH   SOLE   6,311 0 0
VANGUARD WORLD FDS ENERGY ETF ETF 92204A306 320 3,042 SH   SOLE   3,042 0 0
WISDOMTREE EARNINGS 500 FUND ETF 97717W588 838 25,654 SH   SOLE   25,654 0 0
WISDOMTREE TOTAL DIVIDEND FUND ETF 97717W109 2,164 22,531 SH   SOLE   22,531 0 0
WISDOMTREE TR SMLCAP EARN FD ETF 97717W562 5,774 144,940 SH   SOLE   144,940 0 0
ISHARES SHORT TERM CORPORAT BD ETF 464288646 23,019 444,128 SH   SOLE   444,128 0 0
SCHWAB US TIPS ETF ETF 808524870 11,171 207,031 SH   SOLE   207,031 0 0
SPDR INV GRADE FLOAT RATE ETF 78468R200 8,439 274,093 SH   SOLE   274,093 0 0
VANGUARD BD INDEX FD INC SHORT ETF 921937827 27,170 348,204 SH   SOLE   348,204 0 0
VANGUARD TOTAL BOND MARKET ETF 921937835 317 4,026 SH   SOLE   4,026 0 0
VANGUARD INTL EQUITY INDEX FD ETF 922042676 12,486 222,288 SH   SOLE   222,288 0 0
VANECK VECTORS JP MORGAN EMERG ETF 92189H300 6,054 367,791 SH   SOLE   367,791 0 0
COLUMBIA CONSUMER INDIA ETF 19762B707 451 11,000 SH   SOLE   11,000 0 0
INVESCO FTSE RAFI DEVELOPED MA ETF 46138E735 6,902 211,141 SH   SOLE   211,141 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF 46429B689 12,677 174,106 SH   SOLE   174,106 0 0
ISHARES INT'L EQUITY ETF 46432F842 12,938 201,902 SH   SOLE   201,902 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885 288 3,598 SH   SOLE   3,598 0 0
ISHARES TR CHINA LG-CAP ETF ETF 464287184 321 7,500 SH   SOLE   7,500 0 0
ISHARES TR MSCI INDIA ETF ETF 46429B598 871 26,825 SH   SOLE   26,825 0 0
SPDR Portfolio Emerging Market ETF 78463X509 3,471 99,661 SH   SOLE   99,661 0 0
VANECK VIETNAM ETF 92189F817 208 12,400 SH   SOLE   12,400 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 482 6,362 SH   SOLE   6,362 0 0