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
3M CO COM 88579Y101 337 2,025 SH   SOLE   2,025 0 0
ABBOTT LABS COM 002824100 674 16,123 SH   SOLE   16,123 0 0
ABBVIE INC COM 00287Y109 898 15,715 SH   SOLE   15,715 0 0
ALPHABET INC CAP STK CL C 02079K107 623 836 SH   SOLE   819 0 17
ALPHABET INC CAP STK CL A 02079K305 1,059 1,388 SH   SOLE   1,356 0 32
ALTRIA GROUP INC COM 02209S103 1,417 22,610 SH   SOLE   22,610 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 428 7,915 SH   SOLE   7,825 0 90
AMERICAN WTR WKS CO INC NEW COM 030420103 599 8,683 SH   SOLE   8,533 0 150
APPLE INC COM 037833100 4,439 40,729 SH   SOLE   40,029 0 700
ARCHER DANIELS MIDLAND CO COM 039483102 251 6,919 SH   SOLE   6,769 0 150
AT&T INC COM 00206R102 246 6,290 SH   SOLE   6,290 0 0
BANK NEW YORK MELLON CORP COM 064058100 1,552 42,149 SH   SOLE   41,374 0 775
BAXALTA INC COM 07177M103 642 15,898 SH   SOLE   15,673 0 225
BAXTER INTL INC COM 071813109 630 15,336 SH   SOLE   15,111 0 225
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 240 1,691 SH   SOLE   1,691 0 0
BRISTOL MYERS SQUIBB CO COM 110122108 1,137 17,805 SH   SOLE   17,805 0 0
CAPITAL ONE FINL CORP COM 14040H105 1,757 25,354 SH   SOLE   25,004 0 350
CENTRAL FD CDA LTD CL A 153501101 943 78,677 SH   SOLE   76,277 0 2,400
CHEVRON CORP NEW COM 166764100 1,433 15,024 SH   SOLE   15,024 0 0
CIMAREX ENERGY CO COM 171798101 1,244 12,785 SH   SOLE   12,485 0 300
CISCO SYS INC COM 17275R102 277 9,734 SH   SOLE   9,734 0 0
COCA COLA CO COM 191216100 598 12,881 SH   SOLE   12,881 0 0
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 911 14,525 SH   SOLE   14,000 0 525
CONOCOPHILLIPS COM 20825C104 351 8,705 SH   SOLE   8,705 0 0
CVS HEALTH CORP COM 126650100 1,946 18,758 SH   SOLE   18,458 0 300
DEERE & CO COM 244199105 371 4,822 SH   SOLE   4,822 0 0
DIAGEO P L C SPON ADR NEW 25243Q205 1,781 16,506 SH   SOLE   16,216 0 290
DISNEY WALT CO COM DISNEY 254687106 2,894 29,141 SH   SOLE   28,556 0 585
E M C CORP MASS COM 268648102 1,619 60,735 SH   SOLE   59,785 0 950
EQUIFAX INC COM 294429105 1,690 14,787 SH   SOLE   14,567 0 220
EQUITY RESIDENTIAL SH BEN INT 29476L107 1,380 18,392 SH   SOLE   18,092 0 300
EXPEDIA INC DEL COM NEW 30212P303 488 4,525 SH   SOLE   4,460 0 65
EXPRESS SCRIPTS HLDG CO COM 30219G108 408 5,945 SH   SOLE   5,795 0 150
EXXON MOBIL CORP COM 30231G102 2,590 30,985 SH   SOLE   30,350 0 635
FASTENAL CO COM 311900104 1,209 24,675 SH   SOLE   24,300 0 375
FEDEX CORP COM 31428X106 1,128 6,933 SH   SOLE   6,838 0 95
FIRST MIDWEST BANCORP DEL COM 320867104 366 20,290 SH   SOLE   19,915 0 375
FORD MTR CO DEL COM PAR $0.01 345370860 733 54,322 SH   SOLE   53,547 0 775
GENERAL ELECTRIC CO COM 369604103 3,343 105,146 SH   SOLE   103,296 0 1,850
GILEAD SCIENCES INC COM 375558103 264 2,879 SH   SOLE   2,804 0 75
HOME DEPOT INC COM 437076102 2,013 15,087 SH   SOLE   14,762 0 325
HUMANA INC COM 444859102 2,234 12,210 SH   SOLE   11,910 0 300
INTEL CORP COM 458140100 776 23,990 SH   SOLE   23,990 0 0
INVESCO LTD SHS G491BT108 571 18,570 SH   SOLE   18,395 0 175
ISHARES TR 3-7 YR TR BD ETF 464288661 456 3,623 SH   SOLE   3,473 0 150
ISHARES TR NATIONAL MUN ETF 464288414 522 4,675 SH   SOLE   4,325 0 350
ISHARES TR CORE US VAL ETF 464287663 1,126 8,745 SH   SOLE   8,745 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 1,166 16,435 SH   SOLE   16,435 0 0
ISHARES TR 7-10 Y TR BD ETF 464287440 1,239 11,232 SH   SOLE   10,832 0 400
ISHARES TR TIPS BD ETF 464287176 1,779 15,515 SH   SOLE   15,465 0 50
ISHARES TR MSCI ACWI ETF 464288257 2,048 36,538 SH   SOLE   36,538 0 0
ISHARES TR SELECT DIVID ETF 464287168 2,273 27,835 SH   SOLE   27,835 0 0
ISHARES TR HDG MSCI EAFE 46434V803 2,520 105,587 SH   SOLE   105,337 0 250
ISHARES TR 1-3 YR TR BD ETF 464287457 16,489 193,917 SH   SOLE   190,892 0 3,025
JPMORGAN CHASE & CO COM 46625H100 2,324 39,249 SH   SOLE   38,534 0 715
LAZARD LTD SHS A G54050102 871 22,451 SH   SOLE   22,101 0 350
LEGGETT & PLATT INC COM 524660107 230 4,750 SH   SOLE   4,750 0 0
LOCKHEED MARTIN CORP COM 539830109 1,054 4,757 SH   SOLE   4,757 0 0
LOWES COS INC COM 548661107 378 4,995 SH   SOLE   4,995 0 0
MASTERCARD INC CL A 57636Q104 1,854 19,618 SH   SOLE   19,203 0 415
MCDONALDS CORP COM 580135101 1,570 12,496 SH   SOLE   12,271 0 225
MEDTRONIC PLC SHS G5960L103 607 8,090 SH   SOLE   7,931 0 159
MERCK & CO INC NEW COM 58933Y105 881 16,660 SH   SOLE   16,660 0 0
MICROCHIP TECHNOLOGY INC COM 595017104 817 16,943 SH   SOLE   16,643 0 300
MICROSOFT CORP COM 594918104 2,815 50,966 SH   SOLE   50,216 0 750
NEXPOINT RESIDENTIAL TR INC COM 65341D102 216 16,500 SH   SOLE   16,500 0 0
NEXTERA ENERGY INC COM 65339F101 3,274 27,669 SH   SOLE   27,219 0 450
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 419 15,415 SH   SOLE   15,230 0 185
NOVARTIS A G SPONSORED ADR 66987V109 1,652 22,802 SH   SOLE   22,427 0 375
PEPSICO INC COM 713448108 1,451 14,163 SH   SOLE   13,788 0 375
PFIZER INC COM 717081103 1,236 41,708 SH   SOLE   41,133 0 575
PHILIP MORRIS INTL INC COM 718172109 207 2,110 SH   SOLE   2,110 0 0
PHILLIPS 66 COM 718546104 862 9,955 SH   SOLE   9,955 0 0
POWERSHS DB US DOLLAR INDEX DOLL INDX BULL 73936D107 2,492 101,565 SH   SOLE   99,815 0 1,750
PRAXAIR INC COM 74005P104 548 4,792 SH   SOLE   4,682 0 110
PROCTER & GAMBLE CO COM 742718109 829 10,066 SH   SOLE   10,066 0 0
PROSHARES TR SHRT 20+YR TRE 74347X849 3,689 162,860 SH   SOLE   158,560 0 4,300
PROSHARES TR PSHS SHRT S&P500 74347R503 7,119 348,795 SH   SOLE   342,020 0 6,775
QUALCOMM INC COM 747525103 990 19,357 SH   SOLE   19,007 0 350
RAYONIER INC COM 754907103 721 29,205 SH   SOLE   28,855 0 350
REDWOOD TR INC COM 758075402 647 49,438 SH   SOLE   48,663 0 775
ROCKWELL COLLINS INC COM 774341101 584 6,336 SH   SOLE   6,171 0 165
ROSS STORES INC COM 778296103 655 11,320 SH   SOLE   11,095 0 225
SCHLUMBERGER LTD COM 806857108 673 9,130 SH   SOLE   8,880 0 250
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 452 9,225 SH   SOLE   9,175 0 50
SPDR S&P 500 ETF TR TR UNIT 78462F103 15,543 75,628 SH   SOLE   74,473 0 1,155
THE ADT CORPORATION COM 00101J106 833 20,183 SH   SOLE   19,973 0 210
VANGUARD BD INDEX FD INC SHORT TRM BOND 921937827 18,106 224,560 SH   SOLE   221,060 0 3,500
VANGUARD WHITEHALL FDS INC HIGH DIV YLD 921946406 4,720 68,365 SH   SOLE   68,365 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,254 23,181 SH   SOLE   22,865 0 316
VODAFONE GROUP PLC NEW SPNSR ADR NO PAR 92857W308 1,278 39,871 SH   SOLE   39,278 0 593
WAL-MART STORES INC COM 931142103 972 14,198 SH   SOLE   13,923 0 275
WELLS FARGO & CO NEW COM 949746101 2,178 45,033 SH   SOLE   44,183 0 850
WESTERN GAS PARTNERS LP COM UNIT LP IN 958254104 709 16,328 SH   SOLE   16,138 0 190
WILLIS GROUP HOLDINGS PUBLIC SHS G96666105 575 4,845 SH   SOLE   4,675 0 170
WISDOMTREE TR EUROPE HEDGED EQ 97717X701 4,287 82,570 SH   SOLE   81,235 0 1,335