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 260 1,500 SH   SOLE   1,500 0 0
ALLSTATE CORP COM COM 020002101 508 5,000 SH   SOLE   5,000 0 0
ALPHABET INC CLASS A COM 02079K305 249 230 SH   SOLE   230 0 0
ALPHABET INC CLASS C COM 02079K107 222 205 SH   SOLE   205 0 0
AMBEV S.A. COM 02319V103 149 32,010 SH   SOLE   32,010 0 0
AMERICA MOVIL SAB DE CV SPON A COM 02364W105 230 15,817 SH   SOLE   15,817 0 0
AMERISOURCEBERGEN CORP COM COM 03073E105 209 2,450 SH   SOLE   2,450 0 0
APPLE INC COM COM 037833100 758 3,832 SH   SOLE   3,832 0 0
AT&T INC COM COM 00206R102 7,082 211,334 SH   SOLE   211,334 0 0
BANCO BRADESCO S A SP ADR PFD COM 059460303 204 20,782 SH   SOLE   20,782 0 0
BECTON DICKINSON & CO COM COM 075887109 13,550 53,769 SH   SOLE   53,769 0 0
BLACKROCK INC COM COM 09247X101 11,838 25,225 SH   SOLE   25,225 0 0
BRISTOL MYERS SQUIBB CO COM COM 110122108 6,634 146,285 SH   SOLE   146,285 0 0
CATERPILLAR INC DEL COM COM 149123101 13,002 95,402 SH   SOLE   95,402 0 0
CHEVRON CORP NEW COM COM 166764100 11,110 89,282 SH   SOLE   89,282 0 0
CISCO SYS INC COM COM 17275R102 329 6,015 SH   SOLE   6,015 0 0
COLGATE PALMOLIVE CO COM COM 194162103 573 8,000 SH   SOLE   8,000 0 0
COMPANHIA PARANAENSE ENERG COP COM 20441B407 191 15,000 SH   SOLE   15,000 0 0
CORTEVA INC COM 22052L104 1,399 47,322 SH   SOLE   47,322 0 0
DEERE & CO COM COM 244199105 14,477 87,366 SH   SOLE   87,366 0 0
DISCOVER FINL SVCS COM COM 254709108 402 5,180 SH   SOLE   5,180 0 0
DISNEY WALT CO COM DISNEY COM 254687106 13,580 97,253 SH   SOLE   97,253 0 0
DOMINION ENERGY COM 25746U109 7,890 102,048 SH   SOLE   102,048 0 0
DOW INC COM 260557103 2,335 47,353 SH   SOLE   47,353 0 0
DUPONT DE NEMOURS INC COM 26614N102 3,552 47,322 SH   SOLE   47,322 0 0
EMERSON ELEC CO COM COM 291011104 831 12,450 SH   SOLE   12,450 0 0
EXXON MOBIL CORP COM COM 30231G102 8,414 109,794 SH   SOLE   109,794 0 0
HDFC BANK INDIA COM 40415F101 245 1,887 SH   SOLE   1,887 0 0
HOME DEPOT INC COM COM 437076102 14,168 68,127 SH   SOLE   68,127 0 0
INTEL CORP COM COM 458140100 9,897 206,746 SH   SOLE   206,746 0 0
INTERNATIONAL FLAVORS & FRAGRA COM 459506101 276 1,900 SH   SOLE   1,900 0 0
ITAU UNIBANCO HLDG SA SPON ADR COM 465562106 272 28,905 SH   SOLE   28,905 0 0
JOHNSON & JOHNSON COM COM 478160104 10,203 73,252 SH   SOLE   73,252 0 0
JPMORGAN CHASE & CO COM COM 46625H100 229 2,051 SH   SOLE   2,051 0 0
KROGER CO COM COM 501044101 5,035 231,915 SH   SOLE   231,915 0 0
KT CORP SPONSORED ADR COM 48268K101 148 11,956 SH   SOLE   11,956 0 0
LOWES COS INC COM COM 548661107 303 3,000 SH   SOLE   3,000 0 0
M & T BK CORP COM COM 55261F104 9,368 55,081 SH   SOLE   55,081 0 0
MARSH & MCLENNAN COS INC COM COM 571748102 8,160 81,808 SH   SOLE   81,808 0 0
MCDONALDS CORP COM COM 580135101 14,971 72,094 SH   SOLE   72,094 0 0
MEDTRONIC PLC SHS COM G5960L103 9,138 93,825 SH   SOLE   93,825 0 0
MERCK & CO INC NEW COM COM 58933Y105 10,175 121,343 SH   SOLE   121,343 0 0
MICROSOFT CORP COM COM 594918104 15,701 117,209 SH   SOLE   117,209 0 0
NASPERS LTD SPON ADR N SHS COM 631512209 304 6,285 SH   SOLE   6,285 0 0
NEXTERA ENERGY INC COM COM 65339F101 1,291 6,300 SH   SOLE   6,300 0 0
NORTHERN TRUST CORP COM 665859104 6,407 71,193 SH   SOLE   71,193 0 0
PEPSICO INC COM COM 713448108 9,585 73,095 SH   SOLE   73,095 0 0
PETROCHINA CO LTD ADR COM 71646E100 230 4,176 SH   SOLE   4,176 0 0
PNC FINL SVCS GROUP INC COM COM 693475105 8,469 61,695 SH   SOLE   61,695 0 0
PROCTER & GAMBLE CO COM COM 742718109 9,225 84,129 SH   SOLE   84,129 0 0
PRUDENTIAL FINANCIAL COM 744320102 6,980 69,109 SH   SOLE   69,109 0 0
REPUBLIC SVCS INC COM COM 760759100 8,837 101,996 SH   SOLE   101,996 0 0
S & P GLOBAL INC COM 78409V104 962 4,224 SH   SOLE   4,224 0 0
SCHLUMBERGER LTD COM COM 806857108 1,974 49,675 SH   SOLE   49,675 0 0
SURGUTNEFTEGAZ COM 868861105 271 39,980 SH   SOLE   39,980 0 0
TAIWAN SEMICONDUCTOR MFG LTD S COM 874039100 218 5,575 SH   SOLE   5,575 0 0
TEXAS INSTRS INC COM COM 882508104 12,094 105,387 SH   SOLE   105,387 0 0
UNION PAC CORP COM COM 907818108 7,062 41,761 SH   SOLE   41,761 0 0
UNITED TECHNOLOGIES CORP COM COM 913017109 8,197 62,957 SH   SOLE   62,957 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 8,372 146,551 SH   SOLE   146,551 0 0
WAL-MART STORES INC COM COM 931142103 11,545 104,487 SH   SOLE   104,487 0 0
WASHINGTON FED INC COM COM 938824109 553 15,832 SH   SOLE   15,832 0 0
ZIMMER BIOMET HLDGS INC COM COM 98956P102 219 1,856 SH   SOLE   1,856 0 0
INVESCO FTSE RAFI US 1000 ETF ETF 46137V613 1,129 9,681 SH   SOLE   9,681 0 0
INVESCO S&P 500 PURE GROWTH ET ETF 46137V266 31,958 267,543 SH   SOLE   267,543 0 0
ISHARES GOLD TRUST ISHARES ETF 464285105 292 21,603 SH   SOLE   21,603 0 0
ISHARES TR RUS 1000 VAL ETF ETF 464287598 233 1,835 SH   SOLE   1,835 0 0
SPDR GOLD TRUST GOLD SHS ETF 78463V107 494 3,709 SH   SOLE   3,709 0 0
VANGUARD GROWTH ETF ETF 922908736 1,238 7,579 SH   SOLE   7,579 0 0
VANGUARD INDEX FDS MID CAP ETF ETF 922908629 21,488 128,545 SH   SOLE   128,545 0 0
VANGUARD SMALL CAP GROWTH ETF ETF 922908595 465 2,498 SH   SOLE   2,498 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 644 4,934 SH   SOLE   4,934 0 0
VANGUARD SPECIALIZED PORTFOLIO ETF 921908844 1,639 14,234 SH   SOLE   14,234 0 0
VANGUARD VALUE ETF ETF 922908744 1,169 10,543 SH   SOLE   10,543 0 0
VANGUARD WORLD FDS ENERGY ETF ETF 92204A306 222 2,611 SH   SOLE   2,611 0 0
WISDOMTREE EARNINGS 500 FUND ETF 97717W588 876 26,640 SH   SOLE   26,640 0 0
WISDOMTREE TOTAL DIVIDEND FUND ETF 97717W109 1,466 15,086 SH   SOLE   15,086 0 0
WISDOMTREE TR SMLCAP EARN FD ETF 97717W562 4,626 128,931 SH   SOLE   128,931 0 0
ISHARES MBS ETF ETF 464288588 8,774 81,545 SH   SOLE   81,545 0 0
ISHARES SHORT TERM CORPORAT BD ETF 464288646 22,214 415,681 SH   SOLE   415,681 0 0
SCHWAB US AGGREGATE BOND ETF ETF 808524839 468 8,821 SH   SOLE   8,821 0 0
SPDR INV GRADE FLOAT RATE ETF 78468R200 8,576 279,080 SH   SOLE   279,080 0 0
VANGUARD BD INDEX FD INC SHORT ETF 921937827 26,165 324,914 SH   SOLE   324,914 0 0
VANGUARD INTL EQUITY INDEX FD ETF 922042676 12,615 213,817 SH   SOLE   213,817 0 0
VANECK VECTORS JP MORGAN EMERG ETF 92189H300 5,654 162,946 SH   SOLE   162,946 0 0
COLUMBIA CONSUMER INDIA ETF 19762B707 453 11,000 SH   SOLE   11,000 0 0
INVESCO FTSE RAFI DEVELOPED MA ETF 46138E735 5,873 196,758 SH   SOLE   196,758 0 0
ISHARES EDGE MSCI MIN VOL EAFE ETF 46429B689 12,672 174,445 SH   SOLE   174,445 0 0
ISHARES INT'L EQUITY ETF 46432F842 12,126 197,490 SH   SOLE   197,490 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 946 26,800 SH   SOLE   26,800 0 0
SPDR Portfolio Emerging Market ETF 78463X509 3,882 108,468 SH   SOLE   108,468 0 0
VANECK VIETNAM ETF 92189F817 335 20,900 SH   SOLE   20,900 0 0
VANGUARD TOTAL WORLD STOCK ETF ETF 922042742 449 5,975 SH   SOLE   5,975 0 0