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
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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 88579Y101 9,400 62,402 SH   SOLE NONE 62,402 0 0
Adobe Systems Inc. COM 00724F101 407 4,330 SH   SOLE NONE 4,330 0 0
Aflac Inc. COM 001055102 4,009 66,926 SH   SOLE NONE 66,926 0 0
American Tower Corp. COM 03027X100 6,928 71,460 SH   SOLE NONE 71,460 0 0
Amgen Inc. COM 031162100 10,365 63,851 SH   SOLE NONE 63,851 0 0
Baxalta Inc. COM 07177M103 2,091 53,563 SH   SOLE NONE 53,563 0 0
Baxter International Inc. COM 071813109 2,208 57,873 SH   SOLE NONE 57,873 0 0
Boeing Co. COM 097023105 1,074 7,426 SH   SOLE NONE 7,426 0 0
CVS Health Corp. COM 126650100 11,750 120,178 SH   SOLE NONE 120,178 0 0
Cenovus Energy Inc. COM 15135U109 435 34,468 SH   SOLE NONE 34,468 0 0
Colgate-Palmolive Co. COM 194162103 4,868 73,078 SH   SOLE NONE 73,078 0 0
Comcast Corp. CL A 20030N101 379 6,714 SH   SOLE NONE 6,714 0 0
ConocoPhillips COM 20825C104 3,105 66,498 SH   SOLE NONE 66,498 0 0
Dominion Resources Inc. COM 25746U109 3,051 45,110 SH   SOLE NONE 45,110 0 0
EMC Corp. COM 268648102 8,237 320,752 SH   SOLE NONE 320,752 0 0
Eli Lilly & Co. COM 532457108 486 5,766 SH   SOLE NONE 5,766 0 0
Express Scripts Inc. COM 30219G108 2,232 25,534 SH   SOLE NONE 25,534 0 0
Exxon Mobil Corp. COM 30231G102 4,160 53,373 SH   SOLE NONE 53,373 0 0
Facebook Inc. CL A 30303M102 1,316 12,578 SH   SOLE NONE 12,578 0 0
Fidelity National Financial In FNF GROUP COM 31620R303 4,377 126,240 SH   SOLE NONE 126,240 0 0
Franklin Resources Inc. COM 354613101 263 7,140 SH   SOLE NONE 7,140 0 0
General Electric Co. COM 369604103 9,015 289,405 SH   SOLE NONE 289,405 0 0
Goldman Sachs Group Inc. COM 38141G104 4,355 24,166 SH   SOLE NONE 24,166 0 0
Halyard Health Inc. COM 40650V100 298 8,934 SH   SOLE NONE 8,934 0 0
Home Depot Inc. COM 437076102 8,840 66,840 SH   SOLE NONE 66,840 0 0
Honeywell International Inc. COM 438516106 12,267 118,446 SH   SOLE NONE 118,446 0 0
Johnson & Johnson COM 478160104 8,108 78,929 SH   SOLE NONE 78,929 0 0
Johnson Controls Inc. COM 478366107 862 21,830 SH   SOLE NONE 21,830 0 0
Kimberly-Clark Corp. COM 494368103 9,069 71,243 SH   SOLE NONE 71,243 0 0
Kroger Co. COM 501044101 13,306 318,090 SH   SOLE NONE 318,090 0 0
Medtronic plc SHS G5960L103 9,031 117,413 SH   SOLE NONE 117,413 0 0
MetLife Inc. COM 59156R108 4,682 97,117 SH   SOLE NONE 97,117 0 0
Microsoft Corp. COM 594918104 13,288 239,506 SH   SOLE NONE 239,506 0 0
Nike Inc. CL B 654106103 400 6,400 SH   SOLE NONE 6,400 0 0
Pepsico Inc. COM 713448108 7,765 77,717 SH   SOLE NONE 77,717 0 0
Phillips 66 Co. COM 718546104 7,207 88,100 SH   SOLE NONE 88,100 0 0
Praxair Inc. COM 74005P104 6,041 58,998 SH   SOLE NONE 58,998 0 0
QEP Resources Inc. COM 74733V100 478 35,697 SH   SOLE NONE 35,697 0 0
Questar Corp. COM 748356102 3,317 170,267 SH   SOLE NONE 170,267 0 0
Schlumberger Ltd. COM 806857108 3,054 43,780 SH   SOLE NONE 43,780 0 0
Stericycle Inc. COM 858912108 3,294 27,315 SH   SOLE NONE 27,315 0 0
TJX Companies Inc. COM 872540109 7,457 105,160 SH   SOLE NONE 105,160 0 0
Teva Pharmaceutical Industries ADR 881624209 3,345 50,965 SH   SOLE NONE 50,965 0 0
Texas Instruments Inc. COM 882508104 5,103 93,110 SH   SOLE NONE 93,110 0 0
The Walt Disney Co. COM DISNEY 254687106 8,892 84,623 SH   SOLE NONE 84,623 0 0
Union Pacific Corp. COM 907818108 6,885 88,042 SH   SOLE NONE 88,042 0 0
VF Corp. COM 918204108 8,554 137,410 SH   SOLE NONE 137,410 0 0
Visa Inc. COM CL A 92826C839 1,570 20,249 SH   SOLE NONE 20,249 0 0
W.R. Berkley Corp. COM 084423102 3,582 65,420 SH   SOLE NONE 65,420 0 0
Wells Fargo & Co. COM 949746101 8,132 149,593 SH   SOLE NONE 149,593 0 0
Vanguard FTSE Developed Market FTSE DEV MKT ETF 921943858 12,113 329,880 SH   SOLE NONE 329,880 0 0
Vanguard FTSE Emerging Markets FTSE EMR MKT ETF 922042858 1,721 52,608 SH   SOLE NONE 52,608 0 0
iShares MSCI EAFE Index ETF MSCI EAFE ETF 464287465 873 14,865 SH   SOLE NONE 14,865 0 0
iShares Russell 2000 Index ETF RUSSELL 2000 ETF 464287655 4,480 39,777 SH   SOLE NONE 39,777 0 0
iShares S&P Mid Cap 400 Growth S&P MC 400GR ETF 464287606 338 2,100 SH   SOLE NONE 2,100 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,657 8,129 SH   SOLE NONE 8,129 0 0
iShares S&P 500 Growth Index E S&P 500 GRWT ETF 464287309 498 4,300 SH   SOLE NONE 4,300 0 0
SPDR Barclays Short-Term High SHT TRM HGH YLD 78468R408 1,509 58,755 SH   SOLE NONE 58,755 0 0
SPDR Gold Trust GOLD SHS 78463V107 7,872 77,585 SH   SOLE NONE 77,585 0 0
iShares Gold Trust ISHARES 464285105 114 11,120 SH   SOLE NONE 11,120 0 0