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
iShares Core US Aggregate Bond ETF COM 464287226 39,346 347,674 SH   SOLE   347,674 0 0
Berkshire Hathaway B COM 084670702 10,115 48,624 SH   SOLE   48,624 0 0
Microsoft Corp COM 594918104 9,563 68,783 SH   SOLE   68,783 0 0
Apple Computer Inc COM 037833100 9,532 42,557 SH   SOLE   42,557 0 0
Pepsi Co COM 713448108 7,997 58,332 SH   SOLE   58,332 0 0
Intel Corp COM 458140100 7,444 144,452 SH   SOLE   144,452 0 0
Johnson & Johnson COM 478160104 7,099 54,872 SH   SOLE   54,872 0 0
Wal-Mart Stores Inc COM 931142103 6,667 56,175 SH   SOLE   56,175 0 0
SPDRR Blmbg Barclays 1-3 Mth T-Bill ETF COM 78468R663 6,583 71,872 SH   SOLE   71,872 0 0
Cisco Systems Inc COM 17275R102 6,502 131,599 SH   SOLE   131,599 0 0
Stryker COM 863667101 6,271 28,994 SH   SOLE   28,994 0 0
Roper Industries Inc COM 776696106 6,115 17,148 SH   SOLE   17,148 0 0
McDonalds Corp COM 580135101 6,099 28,407 SH   SOLE   28,407 0 0
Lowes Companies Inc COM 548661107 5,798 52,726 SH   SOLE   52,726 0 0
iShares Core MSCI EAFE COM 46432F842 5,658 92,644 SH   SOLE   92,644 0 0
Tractor Supply Company COM 892356106 5,646 62,427 SH   SOLE   62,427 0 0
Procter & Gamble COM 742718109 5,446 43,783 SH   SOLE   43,783 0 0
Alphabet Inc Class A COM 02079K305 5,353 4,384 SH   SOLE   4,384 0 0
J P Morgan Chase & Co COM 46625H100 5,332 45,307 SH   SOLE   45,307 0 0
SPDRR Blmbg Barclays 1-10 Year TIPS ETF COM 78468R861 5,115 261,454 SH   SOLE   261,454 0 0
Facebook Inc. Com COM 30303M102 5,086 28,560 SH   SOLE   28,560 0 0
Home Depot Inc COM 437076102 4,983 21,475 SH   SOLE   21,475 0 0
SPDRR Gold Shares COM 78463V107 4,776 34,392 SH   SOLE   34,392 0 0
Walt Disney Co COM 254687106 4,686 35,954 SH   SOLE   35,954 0 0
Amazon Com Inc COM 023135106 4,624 2,664 SH   SOLE   2,664 0 0
Pfizer Incorporated COM 717081103 4,191 116,631 SH   SOLE   116,631 0 0
Lincoln National Corp COM 534187109 4,037 66,929 SH   SOLE   66,929 0 0
Union Pacific Corp COM 907818108 4,025 24,847 SH   SOLE   24,847 0 0
iShares Core MSCI Emerging Markets COM 46434G103 3,798 77,470 SH   SOLE   77,470 0 0
Ecolab Inc COM 278865100 3,657 18,467 SH   SOLE   18,467 0 0
Corning Inc COM 219350105 3,472 121,747 SH   SOLE   121,747 0 0
Unilever PLC ADR COM 904767704 3,293 54,793 SH   SOLE   54,793 0 0
Valero Energy Corporation COM 91913Y100 3,247 38,090 SH   SOLE   38,090 0 0
Mastercard Inc COM 57636Q104 2,766 10,184 SH   SOLE   10,184 0 0
Vanguard Intl Eqty Index COM 922042775 2,701 54,129 SH   SOLE   54,129 0 0
Darden Restaurants Inc COM 237194105 2,652 22,431 SH   SOLE   22,431 0 0
Stanley Black & Decker Inc Com COM 854502101 2,574 17,824 SH   SOLE   17,824 0 0
Exxon Mobil Corp. COM 30231G102 2,519 35,680 SH   SOLE   35,680 0 0
iShares NASDAQ Biotech COM 464287556 2,279 22,904 SH   SOLE   22,904 0 0
Vanguard Total Stock Market ETF COM 922908769 2,203 14,590 SH   SOLE   14,590 0 0
Target Corporation COM 87612E106 1,990 18,614 SH   SOLE   18,614 0 0
Unitedhealth Group Inc COM 91324P102 1,914 8,807 SH   SOLE   8,807 0 0
Bank of America Corp. COM 060505104 1,883 64,539 SH   SOLE   64,539 0 0
VanEck Vectors AMT-Free Interm Muni ETF COM 92189H201 1,860 36,979 SH   SOLE   36,979 0 0
Vanguard 500 ETF COM 922908363 1,817 6,665 SH   SOLE   6,665 0 0
CVS Corp COM 126650100 1,808 28,672 SH   SOLE   28,672 0 0
Aptiv COM G6095L109 1,665 19,051 SH   SOLE   19,051 0 0
Duke Energy Corporation COM 26441C204 1,597 16,656 SH   SOLE   16,656 0 0
Automatic Data Processing COM 053015103 1,574 9,753 SH   SOLE   9,753 0 0
SPDR Nuveen Barclays Cap Sh Term FD COM 78468R739 1,560 31,850 SH   SOLE   31,850 0 0
Chevron Corp COM 166764100 1,516 12,782 SH   SOLE   12,782 0 0
Vanguard Short-Term Treasury ETF COM 92206C102 1,504 24,680 SH   SOLE   24,680 0 0
Verizon Communications COM 92343V104 1,477 24,468 SH   SOLE   24,468 0 0
iShares Global REIT ETF COM 46434V647 1,442 51,345 SH   SOLE   51,345 0 0
Travelers Companies Inc COM 89417E109 1,437 9,666 SH   SOLE   9,666 0 0
Vanguard High Dividend Yield ETF COM 921946406 1,304 14,691 SH   SOLE   14,691 0 0
Nextera Energy Inc Com COM 65339F101 1,276 5,477 SH   SOLE   5,477 0 0
Constellation Brand Cl A COM 21036P108 1,266 6,109 SH   SOLE   6,109 0 0
iShares Barclay Tips COM 464287176 1,250 10,752 SH   SOLE   10,752 0 0
Merck & Co Inc COM 58933Y105 1,173 13,938 SH   SOLE   13,938 0 0
Conoco-Phillips COM 20825C104 1,147 20,129 SH   SOLE   20,129 0 0
Amgen, Inc. COM 031162100 1,099 5,679 SH   SOLE   5,679 0 0
Thermo Fisher Scientific Inc COM 883556102 1,089 3,739 SH   SOLE   3,739 0 0
Emerson Electric COM 291011104 1,068 15,977 SH   SOLE   15,977 0 0
AT&T COM 00206R102 991 26,202 SH   SOLE   26,202 0 0
ING Group Pfd PFD 456837509 955 36,978 SH   SOLE   36,978 0 0
Royal Bk Cda Montreal COM 780087102 918 11,314 SH   SOLE   11,314 0 0
First Bancorp N C COM 318910106 915 25,485 SH   SOLE   25,485 0 0
Sysco Corp COM 871829107 914 11,517 SH   SOLE   11,517 0 0
Vanguard FTSE Europe ETF COM 922042874 910 16,972 SH   SOLE   16,972 0 0
Deere & Co COM 244199105 904 5,358 SH   SOLE   5,358 0 0
Vanguard Short-Term Bond Index Fund ETF COM 921937827 902 11,170 SH   SOLE   11,170 0 0
General Mills Inc COM 370334104 883 16,011 SH   SOLE   16,011 0 0
iShares National Muni Bond ETF COM 464288414 862 7,552 SH   SOLE   7,552 0 0
Philip Morris Intl COM 718172109 855 11,257 SH   SOLE   11,257 0 0
Vanguard Dividend Appreciation ETF COM 921908844 846 7,077 SH   SOLE   7,077 0 0
Sector Spdr Fincl Select COM 81369Y605 819 29,244 SH   SOLE   29,244 0 0
Renaissancere COM G7498P309 818 31,030 SH   SOLE   31,030 0 0
Wells Fargo & Co COM 949746101 801 15,871 SH   SOLE   15,871 0 0
Aegon Nv Cap COM 007924301 776 29,689 SH   SOLE   29,689 0 0
Coca Cola Company COM 191216100 743 13,656 SH   SOLE   13,656 0 0
Alphabet Inc Class C COM 02079K107 720 591 SH   SOLE   591 0 0
Altria Group Inc COM 02209S103 705 17,236 SH   SOLE   17,236 0 0
Global Payments Inc COM 37940X102 679 4,273 SH   SOLE   4,273 0 0
Yum Brands Inc Com COM 988498101 673 5,930 SH   SOLE   5,930 0 0
Sector Spdr Engy Select COM 81369Y506 665 11,227 SH   SOLE   11,227 0 0
NBT Bancorp Inc COM 628778102 655 17,897 SH   SOLE   17,897 0 0
Annaly Capital COM 035710870 614 23,845 SH   SOLE   23,845 0 0
iShares MSCI EAFE ETF COM 464287465 595 9,132 SH   SOLE   9,132 0 0
Toro Co Com COM 891092108 586 8,000 SH   SOLE   8,000 0 0
Nestle S A Reg B Adr COM 641069406 580 5,350 SH   SOLE   5,350 0 0
SPDRR S&P 500 ETF COM 78462F103 578 1,947 SH   SOLE   1,947 0 0
BB&T Corporation COM 054937107 572 10,721 SH   SOLE   10,721 0 0
Vanguard Tax-Exempt Bond ETF COM 922907746 567 10,568 SH   SOLE   10,568 0 0
Oracle Corporation COM 68389X105 566 10,280 SH   SOLE   10,280 0 0
Qualcomm Inc COM 747525103 548 7,190 SH   SOLE   7,190 0 0
Gabelli Divid & Incm Pfd PFD 345395206 542 20,697 SH   SOLE   20,697 0 0
iShares Floating Rate Bond ETF COM 46429B655 530 10,408 SH   SOLE   10,408 0 0
Abbott Laboratories COM 002824100 521 6,230 SH   SOLE   6,230 0 0
United Technologies COM 913017109 516 3,778 SH   SOLE   3,778 0 0
Capital One Financial Corp COM 14040H105 507 5,570 SH   SOLE   5,570 0 0
iShares S&P Midcap COM 464287507 489 2,532 SH   SOLE   2,532 0 0
International Business Machines COM 459200101 473 3,255 SH   SOLE   3,255 0 0
Baxter International Inc COM 071813109 469 5,367 SH   SOLE   5,367 0 0
Bristol-Myers Squibb Co COM 110122108 459 9,058 SH   SOLE   9,058 0 0
Assured Gty Muni COM 04623A304 436 16,720 SH   SOLE   16,720 0 0
Enbridge Inc COM 29250N105 431 12,300 SH   SOLE   12,300 0 0
iShares CEF Real Estate COM 464287739 428 4,575 SH   SOLE   4,575 0 0
General Electric Co. COM 369604103 427 47,805 SH   SOLE   47,805 0 0
Alibaba Group Hldg COM 01609W102 418 2,500 SH   SOLE   2,500 0 0
Eversource Energy COM 30040W108 413 4,827 SH   SOLE   4,827 0 0
Northrop Grumman Corp COM 666807102 404 1,079 SH   SOLE   1,079 0 0
Russell Midcap ETF COM 464287499 403 7,200 SH   SOLE   7,200 0 0
3M Company COM 88579Y101 402 2,445 SH   SOLE   2,445 0 0
Broadcom Inc Com COM 11135F101 396 1,435 SH   SOLE   1,435 0 0
Texas Instruments Inc COM 882508104 394 3,052 SH   SOLE   3,052 0 0
Ingersoll Rand Co Cl A COM G47791101 389 3,155 SH   SOLE   3,155 0 0
The Southern Company COM 842587107 372 6,022 SH   SOLE   6,022 0 0
Dominion Resources Inc VA New COM 25746U109 371 4,577 SH   SOLE   4,577 0 0
Vanguard Total International Stock COM 921909768 369 7,145 SH   SOLE   7,145 0 0
Four Corners Property Trust COM 35086T109 366 12,957 SH   SOLE   12,957 0 0
Dupont De Nemours Inc COM 26614N102 360 5,055 SH   SOLE   5,055 0 0
Abbvie Inc COM 00287Y109 359 4,747 SH   SOLE   4,747 0 0
Sector Spdr Health Fund COM 81369Y209 345 3,832 SH   SOLE   3,832 0 0
L3Harris Technologies Ord COM 502431109 343 1,645 SH   SOLE   1,645 0 0
Kimberly-Clark Corp COM 494368103 342 2,409 SH   SOLE   2,409 0 0
Vanguard Short-Term Corporate Bond ETF COM 92206C409 342 4,215 SH   SOLE   4,215 0 0
iShares COMEX Gold Trust COM 464285105 339 24,050 SH   SOLE   24,050 0 0
Ametek INC COM 031100100 331 3,604 SH   SOLE   3,604 0 0
Hometrust Bancshares Inc COM 437872104 328 12,600 SH   SOLE   12,600 0 0
Public Storage COM 74460W800 327 12,961 SH   SOLE   12,961 0 0
Nokia Corp Spon Adr COM 654902204 326 64,400 SH   SOLE   64,400 0 0
iShares S&P 600 Smallcap COM 464287804 325 4,170 SH   SOLE   4,170 0 0
Mondelez COM 609207105 322 5,820 SH   SOLE   5,820 0 0
Lilly Eli & Company COM 532457108 308 2,750 SH   SOLE   2,750 0 0
Capital One COM 14040H881 307 11,840 SH   SOLE   11,840 0 0
Royal Dutch Shell A Adrf COM 131004202 300 5,100 SH   SOLE   5,100 0 0
Magellan Midstream Partne COM 559080106 295 4,450 SH   SOLE   4,450 0 0
Allergan Inc COM G0177J108 294 1,745 SH   SOLE   1,745 0 0
Honeywell, Inc. COM 438516106 288 1,702 SH   SOLE   1,702 0 0
iPathR Bloomberg Cmdty TR ETN COM 06738C778 286 13,129 SH   SOLE   13,129 0 0
Blackrock Core Bd TRUST COM 09249E101 285 19,750 SH   SOLE   19,750 0 0
Public Service Enterprise Group Inc COM 744573106 275 4,437 SH   SOLE   4,437 0 0
Yum China Holdings I COM 98850P109 272 5,981 SH   SOLE   5,981 0 0
Fifth Third Bancorp COM 316773100 252 9,199 SH   SOLE   9,199 0 0
Boston Scientific Corp Co COM 101137107 248 6,098 SH   SOLE   6,098 0 0
Eaton Corp PLC COM G29183103 245 2,952 SH   SOLE   2,952 0 0
Fedex Corporation COM 31428X106 244 1,673 SH   SOLE   1,673 0 0
Dow Inc COM 260557103 241 5,055 SH   SOLE   5,055 0 0
Accenture Ltd Cl A COM G1151C101 240 1,248 SH   SOLE   1,248 0 0
Host Hotels & Resorts COM 44107P104 238 13,790 SH   SOLE   13,790 0 0
Waste Management, Inc. COM 94106L109 236 2,055 SH   SOLE   2,055 0 0
Unilever N V Ny Shs Newf COM 904784709 234 3,900 SH   SOLE   3,900 0 0
Goldman Sachs Gp Dep Shs COM 38143Y665 234 11,177 SH   SOLE   11,177 0 0
Boeing Co COM 097023105 229 601 SH   SOLE   601 0 0
Russell 2000 Growth ETF COM 464287648 228 1,182 SH   SOLE   1,182 0 0
SPDRR Portfolio Mid Cap ETF COM 78464A847 228 6,715 SH   SOLE   6,715 0 0
Sector Spdr Util Select COM 81369Y886 221 3,418 SH   SOLE   3,418 0 0
Paypal Holdings Inc COM 70450Y103 215 2,074 SH   SOLE   2,074 0 0
Allstate Corp COM 020002879 214 8,585 SH   SOLE   8,585 0 0
Nuveen NC Premium Income Muni COM 67060P100 207 15,308 SH   SOLE   15,308 0 0
Blackrock Global Energy COM 09250U101 206 18,388 SH   SOLE   18,388 0 0
Aqua America Inc. Com COM 03836W103 204 4,553 SH   SOLE   4,553 0 0