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
Abbott Laboratories cs 002824100 5,125 69,867 SH   SOLE   0 69,867 0
Allergan PLC cs g0177j108 1,940 10,183 SH   SOLE   0 10,183 0
Allstate Corp cs 020002101 4,953 50,181 SH   SOLE   0 50,181 0
American Electric Power Inc cs 025537101 666 9,396 SH   SOLE   0 9,396 0
American Express Co cs 025816109 406 3,815 SH   SOLE   0 3,815 0
Apple Inc cs 037833100 12,479 55,280 SH   SOLE   0 55,280 0
Aptiv PLC cs g6095l109 4,705 56,080 SH   SOLE   0 56,080 0
AT&T Inc cs 00206r102 4,561 135,818 SH   SOLE   0 135,818 0
Bank America Corp cs 060505104 1,566 53,164 SH   SOLE   0 53,164 0
Bank Montreal Que cs 063671101 602 7,293 SH   SOLE   0 7,293 0
Baxter Intl Inc cs 071813109 770 9,987 SH   SOLE   0 9,987 0
Becton Dickinson & Co cs 075887109 796 3,048 SH   SOLE   0 3,048 0
Biogen Inc cs 09062x103 2,177 6,162 SH   SOLE   0 6,162 0
Capital One Financial Corp cs 14040h105 2,025 21,329 SH   SOLE   0 21,329 0
Celgene Corp cs 151020104 1,954 21,840 SH   SOLE   0 21,840 0
Check Point Software Tech Ltd cs m22465104 9,106 77,390 SH   SOLE   0 77,390 0
Church & Dwight Inc cs 171340102 8,357 140,769 SH   SOLE   0 140,769 0
Cisco Systems Inc cs 17275r102 1,387 28,514 SH   SOLE   0 28,514 0
Colgate Palmolive Co cs 194162103 728 10,878 SH   SOLE   0 10,878 0
ConocoPhillips cs 20825c104 3,952 51,063 SH   SOLE   0 51,063 0
Danaher Corp cs 235851102 3,940 36,259 SH   SOLE   0 36,259 0
Deere & Co cs 244199105 496 3,297 SH   SOLE   0 3,297 0
Disney Walt Co Disney cs 254687106 8,562 73,218 SH   SOLE   0 73,218 0
DTE Energy Co cs 233331107 668 6,117 SH   SOLE   0 6,117 0
Exxon Mobil Corp cs 30231g102 2,694 31,692 SH   SOLE   0 31,692 0
Fifth Third Bancorp cs 316773100 723 25,908 SH   SOLE   0 25,908 0
First Republic Bank San Franci cs 33616c100 7,363 76,700 SH   SOLE   0 76,700 0
Fiserv Inc cs 337738108 10,986 133,358 SH   SOLE   0 133,358 0
Fortive Corp cs 34959j108 1,528 18,142 SH   SOLE   0 18,142 0
General Electric Co cs 369604103 207 18,326 SH   SOLE   0 18,326 0
Halliburton Co cs 406216101 2,429 59,932 SH   SOLE   0 59,932 0
Home Depot Inc cs 437076102 688 3,320 SH   SOLE   0 3,320 0
Intel Corp cs 458140100 1,426 30,159 SH   SOLE   0 30,159 0
Johnson & Johnson cs 478160104 904 6,540 SH   SOLE   0 6,540 0
JPMorgan Chase & Co cs 46625h100 1,464 12,970 SH   SOLE   0 12,970 0
Lowes Cos Inc cs 548661107 6,854 59,697 SH   SOLE   0 59,697 0
M & T Bank Corp cs 55261f104 807 4,906 SH   SOLE   0 4,906 0
McDonalds Corp cs 580135101 938 5,607 SH   SOLE   0 5,607 0
Merck & Co Inc cs 58933y105 692 9,751 SH   SOLE   0 9,751 0
Microsoft Corp cs 594918104 1,748 15,282 SH   SOLE   0 15,282 0
Northrop Grumman Corp cs 666807102 950 2,993 SH   SOLE   0 2,993 0
NVIDIA Corp cs 67066g104 13,256 47,170 SH   SOLE   0 47,170 0
Pfizer Inc cs 717081103 1,740 39,485 SH   SOLE   0 39,485 0
Procter And Gamble Co cs 742718109 487 5,852 SH   SOLE   0 5,852 0
Quanta Services Inc cs 74762e102 1,973 59,110 SH   SOLE   0 59,110 0
Roper Technologies Inc cs 776696106 2,678 9,039 SH   SOLE   0 9,039 0
Texas Instruments Inc cs 882508104 10,378 96,730 SH   SOLE   0 96,730 0
Travelers Companies Inc cs 89417e109 4,774 36,805 SH   SOLE   0 36,805 0
Union Pacific Corp cs 907818108 9,652 59,276 SH   SOLE   0 59,276 0
United Technologies Corp cs 913017109 3,824 27,348 SH   SOLE   0 27,348 0
Unum Group cs 91529y106 1,979 50,656 SH   SOLE   0 50,656 0
Valero Energy Corp cs 91913y100 7,485 65,801 SH   SOLE   0 65,801 0
Walgreens Boots Alliance Inc cs 931427108 561 7,698 SH   SOLE   0 7,698 0
Yum Brands Inc cs 988498101 654 7,194 SH   SOLE   0 7,194 0
Yum China Holdings Inc cs 98850p109 298 8,489 SH   SOLE   0 8,489 0
Anheuser-Busch InBev SA NV Sp ad 03524a108 2,682 30,626 SH   SOLE   0 30,626 0
British American Tobacco PLC S ad 110448107 308 6,609 SH   SOLE   0 6,609 0
Diageo PLC Sp ADR ad 25243q205 383 2,704 SH   SOLE   0 2,704 0
Novartis AG Sp ADR ad 66987v109 442 5,131 SH   SOLE   0 5,131 0
Unilever NV NY ad 904784709 772 13,892 SH   SOLE   0 13,892 0
iShares Core S & P Small Cap ui 464287804 6,852 78,547 SH   SOLE   0 78,547 0
iShares Russell 3000 ETF ui 464287689 864 5,014 SH   SOLE   0 5,014 0
iShares S&P 500 Growth ETF ui 464287309 12,532 70,733 SH   SOLE   0 70,733 0
iShares S&P 500 Val ETF ui 464287408 8,662 74,778 SH   SOLE   0 74,778 0
iShares S&P Mc 400Gr ETF ui 464287606 834 3,580 SH   SOLE   0 3,580 0
iShares S&P Mc 400VL ETF ui 464287705 628 3,754 SH   SOLE   0 3,754 0
iShares SP Smcp600gr ETF ui 464287887 393 1,948 SH   SOLE   0 1,948 0
iShares SP Smcp600vl ETF ui 464287879 273 1,637 SH   SOLE   0 1,637 0
Select Sector SPDR Cons Discre ui 81369y407 5,362 45,742 SH   SOLE   0 45,742 0
Select Sector SPDR Consumer St ui 81369y308 1,242 23,025 SH   SOLE   0 23,025 0
Select Sector SPDR Energy ui 81369y506 939 12,395 SH   SOLE   0 12,395 0
Select Sector SPDR Financial ui 81369y605 4,356 157,923 SH   SOLE   0 157,923 0
Select Sector SPDR Healthcare ui 81369y209 7,051 74,105 SH   SOLE   0 74,105 0
Select Sector SPDR Industrials ui 81369y704 1,623 20,700 SH   SOLE   0 20,700 0
Select Sector SPDR Materials ui 81369y100 6,349 109,606 SH   SOLE   0 109,606 0
Select Sector SPDR Tr Municati ui 81369y852 1,610 32,860 SH   SOLE   0 32,860 0
Select Sector SPDR Tr Real Est ui 81369y860 658 20,171 SH   SOLE   0 20,171 0
Select Sector SPDR Tr Technolo ui 81369y803 3,400 45,130 SH   SOLE   0 45,130 0
Select Sector SPDR Utilities ui 81369y886 4,703 89,332 SH   SOLE   0 89,332 0
SPDR S&P 500 ETF Tr ui 78462f103 18,001 61,920 SH   SOLE   0 61,920 0
SPDR S&P Mid Cap 400 ETF Tr ui 78467y107 12,283 33,427 SH   SOLE   0 33,427 0
Vanguard Total Intl Stock F ui 921909768 7,259 134,425 SH   SOLE   0 134,425 0
Vanguard Total Stock Mkt ui 922908769 16,066 107,357 SH   SOLE   0 107,357 0
iShares 1-3 Yr Cred Bond ETF uh 464288646 3,101 59,830 SH   SOLE   0 59,830 0
iShares CMBS ETF uh 46429b366 7,242 145,442 SH   SOLE   0 145,442 0
iShares Ibonds Dec21 ETF uh 46434vbk5 1,139 46,738 SH   SOLE   0 46,738 0
iShares Ibonds Mar20 ETF uh 46432fbc0 1,122 43,235 SH   SOLE   0 43,235 0
iShares Interm Cred Bond ETF uh 464288638 1,444 27,190 SH   SOLE   0 27,190 0
iShares Interm Term Gov/Cr ETF uh 464288612 7,362 68,575 SH   SOLE   0 68,575 0
iShares Sht Mat Bond ETF uh 46431w507 1,795 35,766 SH   SOLE   0 35,766 0
iShares Sht Mat Muni ETF uh 46431w838 2,424 48,530 SH   SOLE   0 48,530 0
Vanguard Mortgage-Backed Sec uh 92206c771 2,829 55,470 SH   SOLE   0 55,470 0
Vanguard Short Term Bond uh 921937827 1,520 19,478 SH   SOLE   0 19,478 0
Vanguard Tl Int Stock Index uh 921909818 1,620 55,788 SH   SOLE   0 55,788 0
Vanguard Total Stock Index Adm uh 922908728 19,398 266,313 SH   SOLE   0 266,313 0