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
ABB Ltd. COM 000375204 279 13,925 SH   SOLE 0 13,925 0 0
Amgen Inc. COM 031162100 490 2,657 SH   SOLE 0 2,657 0 0
Healthsouth Corp COM 431475102 201 1,924 SH   SOLE 0 1,924 0 0
Ladder Capital Corp COM 505743104 176 10,596 SH   SOLE 0 10,596 0 0
Magic Software Enterprises Ltd COM 559166103 193 21,491 SH   SOLE 0 21,491 0 0
Marsh & McLennan COM 571748102 757 7,585 SH   SOLE 0 7,585 0 0
Total Fina Elf S A Adr COM 89151E109 343 6,150 SH   SOLE 0 6,150 0 0
United Parcel Service COM 911312106 339 3,279 SH   SOLE 0 3,279 0 0
WisdomTree Dynamic Currency Hedged International E CURRNCY INT EQ 97717X263 9,065 312,488 SH   SOLE 0 312,488 0 0
A S E Industrial Holdi COM 00215W100 224 56,810 SH   SOLE 0 56,810 0 0
Abbott Laboratories COM 002824100 816 9,708 SH   SOLE 0 9,708 0 0
Air Products & Chemicals Inc COM 009158106 1,181 5,215 SH   SOLE 0 5,215 0 0
Algonquin Pwr &Utils COM 015857105 235 19,423 SH   SOLE 0 19,423 0 0
Allianz Societas Europ COM 018805101 445 18,465 SH   SOLE 0 18,465 0 0
Altria Group COM 02209S103 246 5,187 SH   SOLE 0 5,187 0 0
Apple Inc COM 037833100 968 4,889 SH   SOLE 0 4,889 0 0
Aptar Group COM 038336103 251 2,019 SH   SOLE 0 2,019 0 0
Aqua America Inc COM 03836W103 207 5,015 SH   SOLE 0 5,015 0 0
Astrazeneca Plc Adr COM 046353108 293 7,105 SH   SOLE 0 7,105 0 0
Automatic Data Processing COM 053015103 548 3,316 SH   SOLE 0 3,316 0 0
BB&T Corp. COM 054937107 1,209 24,611 SH   SOLE 0 24,611 0 0
BAE Systems PLC ADR COM 05523R107 261 10,405 SH   SOLE 0 10,405 0 0
BCE, Inc. COM 05534B760 297 6,535 SH   SOLE 0 6,535 0 0
Bnp Paribas COM 05565A202 271 11,450 SH   SOLE 0 11,450 0 0
Berkshire Hath. Cl B COM 084670207 241 1,130 SH   SOLE 0 1,130 0 0
Blackrock Inc COM 09247X101 754 1,607 SH   SOLE 0 1,607 0 0
BOC Hong Kong Holdings Ltd ADR COM 096813209 217 2,765 SH   SOLE 0 2,765 0 0
British American Tobacco PLC ADR COM 110448107 243 6,955 SH   SOLE 0 6,955 0 0
C S X Corp COM 126408103 231 2,984 SH   SOLE 0 2,984 0 0
Canbiola Inc COM 13730L103 5 130,435 SH   SOLE 0 130,435 0 0
Caretrust REIT COM 14174T107 208 8,741 SH   SOLE 0 8,741 0 0
Carlisle Companies COM 142339100 208 1,480 SH   SOLE 0 1,480 0 0
Chemed Corporation New COM 16359R103 209 578 SH   SOLE 0 578 0 0
Chevron Corp COM 166764100 1,062 8,531 SH   SOLE 0 8,531 0 0
Churchill Downs Inc COM 171484108 221 1,920 SH   SOLE 0 1,920 0 0
Cincinnati Financial COM 172062101 349 3,365 SH   SOLE 0 3,365 0 0
Cisco Systems COM 17275R102 1,653 30,206 SH   SOLE 0 30,206 0 0
Coca Cola COM 191216100 340 6,687 SH   SOLE 0 6,687 0 0
Comcast Corp Cl A COM 20030N101 514 12,160 SH   SOLE 0 12,160 0 0
Computer Services Inc COM 20539A105 221 5,980 SH   SOLE 0 5,980 0 0
Crown Castle International Corp COM 22822V101 1,024 7,859 SH   SOLE 0 7,859 0 0
Daimler Ag COM 233825207 217 15,630 SH   SOLE 0 15,630 0 0
Deutsche Telekom Ag COM 251566105 303 17,495 SH   SOLE 0 17,495 0 0
Diageo PLC COM 25243Q205 363 2,105 SH   SOLE 0 2,105 0 0
Duke Energy Corporation COM 26441C105 369 4,183 SH   SOLE 0 4,183 0 0
Emisphere Tech COM 291345106 210 21,019 SH   SOLE 0 21,019 0 0
Engie Sa COM 29286D105 204 13,530 SH   SOLE 0 13,530 0 0
Evolution Petroleum COM 30049A107 142 19,923 SH   SOLE 0 19,923 0 0
Exxon Mobil Corp COM 30231G102 880 11,487 SH   SOLE 0 11,487 0 0
Facebook Inc COM 30303M102 274 1,422 SH   SOLE 0 1,422 0 0
Falcon Minerals Corporat COM 30607B109 178 21,227 SH   SOLE 0 21,227 0 0
First Cash Financial COM 31942D107 210 2,102 SH   SOLE 0 2,102 0 0
Gildan Activewear Inc COM 375916103 209 5,398 SH   SOLE 0 5,398 0 0
Grupo Aeroportuario COM 400501102 201 4,102 SH   SOLE 0 4,102 0 0
Hanover Insurance Group COM 410867105 217 1,695 SH   SOLE 0 1,695 0 0
Hercules Tech Growth COM 427096508 222 17,345 SH   SOLE 0 17,345 0 0
Hewlett Packard Co COM 428236103 320 15,412 SH   SOLE 0 15,412 0 0
Hexcel Corp COM 428291108 232 2,865 SH   SOLE 0 2,865 0 0
Home Depot COM 437076102 1,421 6,831 SH   SOLE 0 6,831 0 0
Honeywell International COM 438516106 1,229 7,038 SH   SOLE 0 7,038 0 0
Hubbell Inc Class B COM 443510201 297 2,275 SH   SOLE 0 2,275 0 0
Iberdrola S A COM 450737101 481 12,110 SH   SOLE 0 12,110 0 0
Illinois Tool Works COM 452308109 544 3,605 SH   SOLE 0 3,605 0 0
Imperial Brands Plc COM 45262P102 246 10,445 SH   SOLE 0 10,445 0 0
iShares Mstar Large Core LRGE CORE INDX 464287127 287 1,735 SH   SOLE 0 1,735 0 0
iShares S&P 500 Index S&P 500 INDEX 464287200 1,448 4,914 SH   SOLE 0 4,914 0 0
iShares Barclays Agg Bond BARCLYS US AGG B 464287226 1,483 13,315 SH   SOLE 0 13,315 0 0
Ishares S&P 500 Growth S&P 500 GRWT ETF 464287309 409 2,284 SH   SOLE 0 2,284 0 0
iShares S&P Midcap 400 CORE S&P MCP ETF 464287507 510 2,627 SH   SOLE 0 2,627 0 0
iShares Russell 1000 Value RUSSELL1000VAL 464287598 897 7,050 SH   SOLE 0 7,050 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 716 4,552 SH   SOLE 0 4,552 0 0
iShares Russell 1000 Index RUSSELL 1000 464287622 10,362 63,653 SH   SOLE 0 63,653 0 0
iShares Russell 2000 Value Idx RUSL 2000 VALU 464287630 399 3,308 SH   SOLE 0 3,308 0 0
iShares Russell 2000 Idx RUSSELL 2000 ETF 464287655 1,162 7,471 SH   SOLE 0 7,471 0 0
iShares S&P Smallcap 600 CORE S&P SCP ETF 464287804 9,185 117,339 SH   SOLE 0 117,339 0 0
iShares Short Treasury Fund SHORT TREAS BD 464288679 9,616 86,903 SH   SOLE 0 86,903 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 9,466 154,170 SH   SOLE 0 154,170 0 0
iShares Core MSCI Emerging Markets CORE MSCI EMKT 46434G103 3,155 61,334 SH   SOLE 0 61,334 0 0
JPMorgan Chase & Co COM 46625H100 1,975 17,663 SH   SOLE 0 17,663 0 0
Johnson & Johnson COM 478160104 1,234 8,859 SH   SOLE 0 8,859 0 0
Lilly Eli & Co COM 532457108 335 3,025 SH   SOLE 0 3,025 0 0
Lloyds Banking Gp Adr COM 539439109 172 60,435 SH   SOLE 0 60,435 0 0
Lockheed Martin Corp COM 539830109 1,191 3,275 SH   SOLE 0 3,275 0 0
MDC Holdings COM 552676108 206 6,282 SH   SOLE 0 6,282 0 0
Mmc Norilsk Nickel Pjs COM 55315J102 282 12,530 SH   SOLE 0 12,530 0 0
Main Street Capital Corp COM 56035L104 238 5,782 SH   SOLE 0 5,782 0 0
Manulife Finl COM 56501R106 233 12,790 SH   SOLE 0 12,790 0 0
Marriott Vacations COM 57164Y107 229 2,375 SH   SOLE 0 2,375 0 0
Maxim Integrated Prods COM 57772K101 368 6,151 SH   SOLE 0 6,151 0 0
McDonalds Corp COM 580135101 1,360 6,550 SH   SOLE 0 6,550 0 0
Medtronic Inc. COM 585055106 785 8,060 SH   SOLE 0 8,060 0 0
Mercer International Inc COM 588056101 199 12,855 SH   SOLE 0 12,855 0 0
Michelin Compagnie COM 59410T106 341 13,500 SH   SOLE 0 13,500 0 0
Microsoft COM 594918104 1,565 11,686 SH   SOLE 0 11,686 0 0
Mondelez Intl Inc Cl A COM 609207105 661 12,270 SH   SOLE 0 12,270 0 0
Munchener Ruckversicherungs-Gesellschaft AG ADR COM 626188106 373 14,900 SH   SOLE 0 14,900 0 0
Nn Group N V COM 629334103 352 17,555 SH   SOLE 0 17,555 0 0
Ntnl Cinemedia COM 635309107 141 21,512 SH   SOLE 0 21,512 0 0
Nestle ADR COM 641069406 540 5,222 SH   SOLE 0 5,222 0 0
Newtek Business Services Cor COM 652526203 238 10,366 SH   SOLE 0 10,366 0 0
Nextera Energy Inc COM 65339F101 1,674 8,170 SH   SOLE 0 8,170 0 0
Nippon Teleg&Teleph COM 654624105 388 8,355 SH   SOLE 0 8,355 0 0
NW Biotherapeutics COM 66737P600 3 10,000 SH   SOLE 0 10,000 0 0
Novartis AG COM 66987V109 510 5,580 SH   SOLE 0 5,580 0 0
Paychex Inc COM 704326107 960 11,664 SH   SOLE 0 11,664 0 0
Pepsico Inc COM 713448108 1,224 9,335 SH   SOLE 0 9,335 0 0
Pfizer Inc COM 717081103 931 21,483 SH   SOLE 0 21,483 0 0
Phillips 66 COM 718546104 321 3,435 SH   SOLE 0 3,435 0 0
Pool Corp COM 73278L105 230 1,204 SH   SOLE 0 1,204 0 0
Procter & Gamble COM 742718109 12,985 118,425 SH   SOLE 0 118,425 0 0
Prologis Inc COM 74340W103 212 2,641 SH   SOLE 0 2,641 0 0
Realty Income Corp. COM 756109104 531 7,706 SH   SOLE 0 7,706 0 0
Roche Hldg Ltd Spon Adrf COM 771195104 442 12,585 SH   SOLE 0 12,585 0 0
Royal Dutch Shell B Adr COM 780259107 358 5,440 SH   SOLE 0 5,440 0 0
SPDR S&P 600 Small Cap Value S&P 600 SMCP VAL 78464A300 3,151 51,932 SH   SOLE 0 51,932 0 0
Charles Schwab Corp COM 808513105 279 6,941 SH   SOLE 0 6,941 0 0
Schwab U.S. Broad Market ETF US BRD MKT ETF 808524102 1,713 24,292 SH   SOLE 0 24,292 0 0
Schwab Fundamental International Large Cap SCHWB FDT INT LG 808524755 6,035 216,608 SH   SOLE 0 216,608 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 21,603 673,188 SH   SOLE 0 673,188 0 0
Schwab US Agg Bond ETF US AGGREGATE B 808524839 242 4,569 SH   SOLE 0 4,569 0 0
Schwab Intermediate-Term U.S. Treasury ETF INTRM TRM TRES 808524854 1,636 29,761 SH   SOLE 0 29,761 0 0
Sempra Energy COM 816851109 858 6,241 SH   SOLE 0 6,241 0 0
Service Corp Int'l, Inc. COM 817565104 2,595 55,482 SH   SOLE 0 55,482 0 0
Siemens AG ADR COM 826197501 331 5,555 SH   SOLE 0 5,555 0 0
Simon Ppty Group New COM 828806109 695 4,349 SH   SOLE 0 4,349 0 0
Smurfit Kappa Group PLC ADR COM 83272W106 301 9,995 SH   SOLE 0 9,995 0 0
Sonic Healthcare Ltd COM 83546A203 404 21,250 SH   SOLE 0 21,250 0 0
Starbucks Corp COM 855244109 1,020 12,173 SH   SOLE 0 12,173 0 0
STORE Capital Corp COM 862121100 209 6,300 SH   SOLE 0 6,300 0 0
Sysco Corp COM 871829107 243 3,441 SH   SOLE 0 3,441 0 0
Telefonica Brasil S. COM 87936R106 256 19,645 SH   SOLE 0 19,645 0 0
Texas Instruments COM 882508104 1,424 12,408 SH   SOLE 0 12,408 0 0
3M Company COM 88579Y101 206 1,188 SH   SOLE 0 1,188 0 0
Toro Company COM 891092108 220 3,286 SH   SOLE 0 3,286 0 0
US Bancorp COM 902973304 846 16,141 SH   SOLE 0 16,141 0 0
Unilever N V COM 904784709 346 5,705 SH   SOLE 0 5,705 0 0
Utd Overseas Bk COM 911271302 401 10,345 SH   SOLE 0 10,345 0 0
Upm-Kymmene Corp COM 915436109 305 11,490 SH   SOLE 0 11,490 0 0
Valero Energy COM 91913Y100 384 4,485 SH   SOLE 0 4,485 0 0
Vanguard Total Bond Market TOTAL BND MRKT 921937835 32,271 388,485 SH   SOLE 0 388,485 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 2,244 53,801 SH   SOLE 0 53,801 0 0
Vanguard High Dividend Yield Indx ETF HIGH DIV YLD 921946406 29,594 338,682 SH   SOLE 0 338,682 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF FTSE SMCAP ETF 922042718 660 6,274 SH   SOLE 0 6,274 0 0
Vanguard Emerging Market FTSE EMR MKT ETF 922042858 1,530 35,966 SH   SOLE 0 35,966 0 0
Vanguard Short-Term Corp Bond ETF SHRT-TERM CORP 92206C409 35,425 439,075 SH   SOLE 0 439,075 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 702 4,325 SH   SOLE 0 4,325 0 0
Vanguard Russell 1000 ETF VNG RUS1000IDX 92206C730 3,123 23,180 SH   SOLE 0 23,180 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 35,970 133,643 SH   SOLE 0 133,643 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 1,785 9,585 SH   SOLE 0 9,585 0 0
Vanguard Large Value VALUE ETF 922908744 10,932 98,554 SH   SOLE 0 98,554 0 0
Walgreens Boots Alliance Inc. COM 931427108 329 6,025 SH   SOLE 0 6,025 0 0
Wells Fargo & Co COM 949746101 275 5,807 SH   SOLE 0 5,807 0 0
Williams Companies COM 969457100 430 15,320 SH   SOLE 0 15,320 0 0
Wisconsin Energy COM 976657106 785 9,413 SH   SOLE 0 9,413 0 0
Wisdomtree Small Cap Dividend SMALLCAP DIVID 97717W604 9,989 368,450 SH   SOLE 0 368,450 0 0
Zurich Insurance Group COM 989825104 415 11,905 SH   SOLE 0 11,905 0 0
GlaxoSmithKline plc (ADR) COM G3910J112 347 8,670 SH   SOLE 0 8,670 0 0
HSBC Hldgs COM G4634U169 335 8,025 SH   SOLE 0 8,025 0 0
Ubs Group Ag COM H42097107 177 14,920 SH   SOLE 0 14,920 0 0
Logitech Intl S A COM H50430232 219 5,479 SH   SOLE 0 5,479 0 0
Lyondellbasell Inds COM N53745100 431 5,008 SH   SOLE 0 5,008 0 0
Broadcom Ltd COM Y09827109 367 1,275 SH   SOLE 0 1,275 0 0
American Campus Comm COM 024835100 201 4,358 SH   SOLE 0 4,358 0 0
Corenergy Infrastructure Tru COM 21870U502 210 5,287 SH   SOLE 0 5,287 0 0
Nextera Energy Partn Lp COM 65341B106 205 4,255 SH   SOLE 0 4,255 0 0
Two Harbors Investment C COM 90187B408 147 11,578 SH   SOLE 0 11,578 0 0