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
A S E Industrial Holdi COM 00215W100 278 36,126 SH   SOLE 0 36,126 0 0
Abbott Laboratories COM 002824100 604 5,036 SH   SOLE 0 5,036 0 0
Abbvie Inc COM 00287Y109 710 6,559 SH   SOLE 0 6,559 0 0
Advanced Micro Devic COM 007903107 206 2,620 SH   SOLE 0 2,620 0 0
Air Products & Chemicals Inc COM 009158106 887 3,151 SH   SOLE 0 3,151 0 0
Amgen Inc. COM 031162100 302 1,215 SH   SOLE 0 1,215 0 0
Anavex Life Sciences COM 032797300 150 10,000 SH   SOLE 0 10,000 0 0
Apple Inc COM 037833100 2,040 16,702 SH   SOLE 0 16,702 0 0
Arch Therapeutics COM 03939W109 2 11,500 SH   SOLE 0 11,500 0 0
Automatic Data Processing COM 053015103 676 3,588 SH   SOLE 0 3,588 0 0
BAE Systems PLC ADR COM 05523R107 227 8,037 SH   SOLE 0 8,037 0 0
BCE, Inc. COM 05534B760 210 4,646 SH   SOLE 0 4,646 0 0
Bnp Paribas COM 05565A202 287 9,370 SH   SOLE 0 9,370 0 0
Blackrock Inc COM 09247X101 918 1,217 SH   SOLE 0 1,217 0 0
Blue Diamond Ventures In COM 09539R101 0 50,000 SH   SOLE 0 50,000 0 0
British American Tobacco PLC ADR COM 110448107 233 6,025 SH   SOLE 0 6,025 0 0
C S X Corp COM 126408103 239 2,479 SH   SOLE 0 2,479 0 0
Chevron Corp COM 166764100 694 6,625 SH   SOLE 0 6,625 0 0
Cincinnati Financial COM 172062101 250 2,425 SH   SOLE 0 2,425 0 0
Cisco Systems COM 17275R102 758 14,666 SH   SOLE 0 14,666 0 0
Comcast Corp Cl A COM 20030N101 433 7,995 SH   SOLE 0 7,995 0 0
Compagnie De St Gobain COM 204280309 314 26,498 SH   SOLE 0 26,498 0 0
Rio Doce COM 204412209 234 13,470 SH   SOLE 0 13,470 0 0
Cool Technologies Incorp COM 21639Y100 1 10,000 SH   SOLE 0 10,000 0 0
Crown Castle International Corp COM 22822V101 823 4,784 SH   SOLE 0 4,784 0 0
Duke Energy Corporation COM 26441C105 446 4,617 SH   SOLE 0 4,617 0 0
Eaton Corporation COM 278058102 378 2,736 SH   SOLE 0 2,736 0 0
Enel-Societa Per Azion COM 29265W207 268 27,022 SH   SOLE 0 27,022 0 0
Exxon Mobil Corp COM 30231G102 342 6,127 SH   SOLE 0 6,127 0 0
Facebook Inc COM 30303M102 386 1,311 SH   SOLE 0 1,311 0 0
Home Depot COM 437076102 1,407 4,609 SH   SOLE 0 4,609 0 0
Honeywell International COM 438516106 466 2,145 SH   SOLE 0 2,145 0 0
Iberdrola S A COM 450737101 246 4,767 SH   SOLE 0 4,767 0 0
Illinois Tool Works COM 452308109 469 2,115 SH   SOLE 0 2,115 0 0
Nasdaq 100 Shares UNIT SER 1 46090E103 864 2,708 SH   SOLE 0 2,708 0 0
Invesco High Yield Equity Dividend Achievers ETF HIG YLD EQ DIV 46137V563 201 9,920 SH   SOLE 0 9,920 0 0
iShares Mstar Large Core LRGE CORE INDX 464287127 345 1,540 SH   SOLE 0 1,540 0 0
iShares S&P 500 Index S&P 500 INDEX 464287200 1,922 4,831 SH   SOLE 0 4,831 0 0
iShares Barclays Agg Bond BARCLYS US AGG B 464287226 1,296 11,387 SH   SOLE 0 11,387 0 0
Ishares S&P 500 Growth S&P 500 GRWT ETF 464287309 334 5,136 SH   SOLE 0 5,136 0 0
iShares S&P Midcap 400 CORE S&P MCP ETF 464287507 609 2,339 SH   SOLE 0 2,339 0 0
iShares Russell 1000 Value RUSSELL1000VAL 464287598 1,160 7,657 SH   SOLE 0 7,657 0 0
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 2,168 8,922 SH   SOLE 0 8,922 0 0
iShares Russell 1000 Index RUSSELL 1000 464287622 20,449 91,358 SH   SOLE 0 91,358 0 0
iShares Russell 2000 Value Idx RUSL 2000 VALU 464287630 843 5,288 SH   SOLE 0 5,288 0 0
iShares Russell 2000 Idx RUSSELL 2000 ETF 464287655 3,071 13,898 SH   SOLE 0 13,898 0 0
iShares S&P Smallcap 600 CORE S&P SCP ETF 464287804 31,516 290,391 SH   SOLE 0 290,391 0 0
iShares Core MSCI EAFE ETF CORE MSCI EAFE 46432F842 18,648 258,825 SH   SOLE 0 258,825 0 0
iShares Core MSCI Emerging Markets CORE MSCI EMKT 46434G103 7,375 114,587 SH   SOLE 0 114,587 0 0
JPMorgan Chase & Co COM 46625H100 1,706 11,207 SH   SOLE 0 11,207 0 0
Johnson & Johnson COM 478160104 234 1,421 SH   SOLE 0 1,421 0 0
Lilly Eli & Co COM 532457108 555 2,970 SH   SOLE 0 2,970 0 0
Lockheed Martin Corp COM 539830109 796 2,153 SH   SOLE 0 2,153 0 0
Manulife Finl COM 56501R106 234 10,883 SH   SOLE 0 10,883 0 0
Marathon Group Corp COM 565807401 0 300,000 SH   SOLE 0 300,000 0 0
Marsh & McLennan COM 571748102 580 4,760 SH   SOLE 0 4,760 0 0
McDonalds Corp COM 580135101 701 3,129 SH   SOLE 0 3,129 0 0
Medical Svcs Intl Cl A COM 58463C101 0 50,000 SH   SOLE 0 50,000 0 0
Medtronic Inc. COM 585055106 621 5,261 SH   SOLE 0 5,261 0 0
Merck & Co COM 589331107 848 10,994 SH   SOLE 0 10,994 0 0
Michelin Compagnie COM 59410T106 274 9,141 SH   SOLE 0 9,141 0 0
Microsoft COM 594918104 1,042 4,418 SH   SOLE 0 4,418 0 0
Mondelez Intl Inc Cl A COM 609207105 774 13,218 SH   SOLE 0 13,218 0 0
Munchener Ruckversicherungs-Gesellschaft AG ADR COM 626188106 208 6,734 SH   SOLE 0 6,734 0 0
Nn Group N V COM 629334103 241 9,850 SH   SOLE 0 9,850 0 0
Nestle ADR COM 641069406 270 2,418 SH   SOLE 0 2,418 0 0
Nextera Energy Inc COM 65339F101 1,235 16,335 SH   SOLE 0 16,335 0 0
Nippon Teleg&Teleph COM 654624105 255 9,851 SH   SOLE 0 9,851 0 0
NW Biotherapeutics COM 66737P600 66 44,500 SH   SOLE 0 44,500 0 0
Novartis AG COM 66987V109 230 2,686 SH   SOLE 0 2,686 0 0
P H I Group Inc COM 69338D208 0 100,000 SH   SOLE 0 100,000 0 0
PNC Financial Services COM 693475105 603 3,439 SH   SOLE 0 3,439 0 0
Paychex Inc COM 704326107 690 7,042 SH   SOLE 0 7,042 0 0
Pepsico Inc COM 713448108 984 6,955 SH   SOLE 0 6,955 0 0
Persimmon COM 715318101 252 3,034 SH   SOLE 0 3,034 0 0
Phillips 66 COM 718546104 214 2,619 SH   SOLE 0 2,619 0 0
Procter & Gamble COM 742718109 14,879 109,862 SH   SOLE 0 109,862 0 0
Prologis Inc COM 74340W103 455 4,297 SH   SOLE 0 4,297 0 0
Qualcomm Inc COM 747525103 603 4,546 SH   SOLE 0 4,546 0 0
Realty Income Corp. COM 756109104 307 4,840 SH   SOLE 0 4,840 0 0
S&P 500 Index SPDR TR UNIT 78462F103 329 829 SH   SOLE 0 829 0 0
SPDR Developed World ex-US ETF PORTFOLIO DEVLPD 78463X889 1,559 44,083 SH   SOLE 0 44,083 0 0
SPDR S&P 600 Small Cap Value S&P 600 SMCP VAL 78464A300 10,090 123,069 SH   SOLE 0 123,069 0 0
Sanofi SA ADR COM 80105N105 227 4,595 SH   SOLE 0 4,595 0 0
Schwab U.S. Broad Market ETF US BRD MKT ETF 808524102 2,643 27,331 SH   SOLE 0 27,331 0 0
Schwab US Large Cap ETF US LRG CAP ETF 808524201 3,393 35,338 SH   SOLE 0 35,338 0 0
Schwab U.S. Small Cap ETF US SML CAP ETF 808524607 1,036 10,398 SH   SOLE 0 10,398 0 0
Schwab Emerging Market ETF EMRG MKTEQ ETF 808524706 1,015 31,945 SH   SOLE 0 31,945 0 0
Schwab Fundamental International Large Cap SCHWB FDT INT LG 808524755 7,147 222,654 SH   SOLE 0 222,654 0 0
Schwab Fundamental US Small Cap ETF SCHWAB FDT US SC 808524763 442 8,724 SH   SOLE 0 8,724 0 0
Schwab US Div Equity ETF US DIVIDEND EQ 808524797 433 5,935 SH   SOLE 0 5,935 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 30,390 807,805 SH   SOLE 0 807,805 0 0
Sempra Energy COM 816851109 588 4,437 SH   SOLE 0 4,437 0 0
Service Corp Int'l, Inc. COM 817565104 2,946 57,714 SH   SOLE 0 57,714 0 0
Siemens AG ADR COM 826197501 264 3,206 SH   SOLE 0 3,206 0 0
Smurfit Kappa Group PLC ADR COM 83272W106 230 4,821 SH   SOLE 0 4,821 0 0
Softbank Mobile Servic COM 83405K102 186 14,187 SH   SOLE 0 14,187 0 0
Sonic Healthcare Ltd COM 83546A203 254 9,437 SH   SOLE 0 9,437 0 0
Southern Home Med COM 84305M206 0 150,000 SH   SOLE 0 150,000 0 0
Starbucks Corp COM 855244109 852 7,794 SH   SOLE 0 7,794 0 0
Svenska Hndlsbnkn Ab COM 86959C103 219 40,523 SH   SOLE 0 40,523 0 0
Texas Instruments COM 882508104 1,294 6,848 SH   SOLE 0 6,848 0 0
3M Company COM 88579Y101 231 1,197 SH   SOLE 0 1,197 0 0
Total Fina Elf S A Adr COM 89151E109 281 6,041 SH   SOLE 0 6,041 0 0
Toyota Motor Corp ADR COM 892331307 300 1,925 SH   SOLE 0 1,925 0 0
Truist Finl Corp COM 89832Q109 926 15,878 SH   SOLE 0 15,878 0 0
US Bancorp COM 902973304 627 11,340 SH   SOLE 0 11,340 0 0
Utd Overseas Bk COM 911271302 263 6,792 SH   SOLE 0 6,792 0 0
Upm-Kymmene Corp COM 915436208 204 5,600 SH   SOLE 0 5,600 0 0
Vanguard Div Apprciation DIV APP ETF 921908844 2,646 17,987 SH   SOLE 0 17,987 0 0
Vanguard US Multifactor US MULTIFACTOR 921935607 6,047 62,428 SH   SOLE 0 62,428 0 0
Vanguard Short Term Bond Index SHORT TRM BOND 921937827 22,926 278,942 SH   SOLE 0 278,942 0 0
Vanguard Total Bond Market TOTAL BND MRKT 921937835 35,131 414,667 SH   SOLE 0 414,667 0 0
Vanguard FTSE Developed Markets ETF FTSE DEV MKT ETF 921943858 11,883 241,969 SH   SOLE 0 241,969 0 0
Vanguard High Dividend Yield Indx ETF HIGH DIV YLD 921946406 18,168 179,721 SH   SOLE 0 179,721 0 0
Vanguard FTSE All-World ex-US Sm-Cp ETF FTSE SMCAP ETF 922042718 2,286 17,812 SH   SOLE 0 17,812 0 0
Vanguard Emerging Market FTSE EMR MKT ETF 922042858 5,292 101,662 SH   SOLE 0 101,662 0 0
Vanguard Short Term SHORT TERM TREAS 92206C102 248 4,026 SH   SOLE 0 4,026 0 0
Vanguard Short-Term Corp Bond ETF SHRT-TERM CORP 92206C409 5,218 63,245 SH   SOLE 0 63,245 0 0
Vanguard Russell 1000 Growth ETF VNG RUS1000GRW 92206C680 996 3,983 SH   SOLE 0 3,983 0 0
Vanguard Russell 1000 ETF VNG RUS1000IDX 92206C730 3,574 19,297 SH   SOLE 0 19,297 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 70,679 194,014 SH   SOLE 0 194,014 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 2,316 8,432 SH   SOLE 0 8,432 0 0
Vanguard Large Value VALUE ETF 922908744 12,106 92,091 SH   SOLE 0 92,091 0 0
Verizon Communications COM 92343V104 568 9,765 SH   SOLE 0 9,765 0 0
Walgreens Boots Alliance Inc. COM 931427108 573 10,440 SH   SOLE 0 10,440 0 0
Wisconsin Energy COM 976657106 444 4,747 SH   SOLE 0 4,747 0 0
Wisdomtree Small Cap Dividend SMALLCAP DIVID 97717W604 269 8,635 SH   SOLE 0 8,635 0 0
WisdomTree Dynamic Currency Hedged International CURRNCY INT EQ 97717X263 8,656 290,849 SH   SOLE 0 290,849 0 0
Zurich Insurance Group COM 989825104 290 6,745 SH   SOLE 0 6,745 0 0
Ubs Group Ag COM H42097107 255 16,424 SH   SOLE 0 16,424 0 0
Broadcom Ltd COM Y09827109 928 2,002 SH   SOLE 0 2,002 0 0