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 Company COM 88579Y101 2,105 10,703 SH   SOLE NONE 0 0 10,703
A F L A C Inc COM 001055102 1,680 39,045 SH   SOLE NONE 0 0 39,045
A T & T Inc New COM 00206R102 6,170 192,164 SH   SOLE NONE 0 0 192,164
Abbvie Inc COM 00287Y109 1,893 20,436 SH   SOLE NONE 0 0 20,436
Alibaba Group Hldg Adr SPONSORED ADS 01609W102 1,447 7,799 SH   SOLE NONE 0 0 7,799
Alphabet A CAP STK CL A 02079K305 5,848 5,179 SH   SOLE NONE 0 0 5,179
Alphabet C CAP STK CL C 02079K107 674 604 SH   SOLE NONE 0 0 604
Altria Group Inc COM 02209S103 1,156 20,351 SH   SOLE NONE 0 0 20,351
Amazon Com Inc COM 023135106 9,255 5,445 SH   SOLE NONE 0 0 5,445
Amer Electric Pwr Co Inc COM 025537101 359 5,189 SH   SOLE NONE 0 0 5,189
American Axle & Mfg COM 024061103 529 34,000 SH   SOLE NONE 0 0 34,000
American Express Company COM 025816109 658 6,712 SH   SOLE NONE 0 0 6,712
American Intl Group Inc COM NEW 026874784 677 12,773 SH   SOLE NONE 0 0 12,773
Amerigas Partners UNIT L P INT 030975106 266 6,296 SH   SOLE NONE 0 0 6,296
Amgen Incorporated COM 031162100 466 2,526 SH   SOLE NONE 0 0 2,526
Andeavor COM 03349M105 224 1,709 SH   SOLE NONE 0 0 1,709
Anthem Inc COM 036752103 832 3,497 SH   SOLE NONE 0 0 3,497
Apple Computer Inc COM 037833100 12,355 66,745 SH   SOLE NONE 0 0 66,745
Ark Innovation Etf INNOVATION ETF 00214Q104 301 6,693 SH   SOLE NONE 0 0 6,693
Bank Of America 7.25%CNV PFD L 060505682 1,215 972 SH   SOLE NONE 0 0 972
Bank Of America Corp COM 060505104 3,260 115,654 SH   SOLE NONE 0 0 115,654
Barclays Bk ADR PFD SR 5 06739H362 981 37,100 SH   SOLE NONE 0 0 37,100
Bb&T Corporation COM 054937107 1,730 34,301 SH   SOLE NONE 0 0 34,301
Berkshire Hathaway Cl B CL B NEW 084670702 3,081 16,509 SH   SOLE NONE 0 0 16,509
Boeing Co COM 097023105 1,417 4,224 SH   SOLE NONE 0 0 4,224
Bridge Bancorp Inc COM 108035106 365 10,139 SH   SOLE NONE 0 0 10,139
Bristol-Myers Squibb Co COM 110122108 1,633 29,516 SH   SOLE NONE 0 0 29,516
C V S Corp Del COM 126650100 659 10,244 SH   SOLE NONE 0 0 10,244
Carnival Corp New UNIT 99/99/9999 143658300 1,966 34,302 SH   SOLE NONE 0 0 34,302
China Mobile Ltd Adr SPONSORED ADR 16941M109 352 7,939 SH   SOLE NONE 0 0 7,939
Cisco Systems Inc COM 17275R102 2,687 62,438 SH   SOLE NONE 0 0 62,438
Citigroup Inc COM NEW 172967424 3,039 45,415 SH   SOLE NONE 0 0 45,415
Coca Cola Company COM 191216100 643 14,671 SH   SOLE NONE 0 0 14,671
Cohen Steers Qual Income COM 19247L106 418 34,785 SH   SOLE NONE 0 0 34,785
Columbia Financial, COM 197641103 1,112 67,198 SH   SOLE NONE 0 0 67,198
Comcast Corp New Cl A CL A 20030N101 556 16,934 SH   SOLE NONE 0 0 16,934
Credit Suisse Asset Mana COM 224916106 294 93,080 SH   SOLE NONE 0 0 93,080
Danaher Corp Del COM 235851102 208 2,107 SH   SOLE NONE 0 0 2,107
Delta Air Lines Inc New COM NEW 247361702 1,371 27,680 SH   SOLE NONE 0 0 27,680
Deutsche Bank NAMEN AKT D18190898 1,653 65,946 SH   SOLE NONE 0 0 65,946
Disney Walt Co COM DISNEY 254687106 715 6,819 SH   SOLE NONE 0 0 6,819
Dominion Res Inc Va New COM 25746U109 532 7,799 SH   SOLE NONE 0 0 7,799
Dowdupont Inc COM 26078J100 3,877 58,818 SH   SOLE NONE 0 0 58,818
Duke Energy Corp New COM NEW 26441C204 3,808 48,154 SH   SOLE NONE 0 0 48,154
E O G Resources Inc COM 26875P101 492 3,957 SH   SOLE NONE 0 0 3,957
Eaton Corporation SHS G29183103 592 7,920 SH   SOLE NONE 0 0 7,920
Emerson Electric Co COM 291011104 655 9,470 SH   SOLE NONE 0 0 9,470
Enterprise Prd Prtnrs COM 293792107 1,454 52,559 SH   SOLE NONE 0 0 52,559
Express Scripts Inc COM 30219G108 431 5,578 SH   SOLE NONE 0 0 5,578
Exxon Mobil Corporation COM 30231G102 601 7,260 SH   SOLE NONE 0 0 7,260
Facebook Inc Class A CL A 30303M102 5,310 27,326 SH   SOLE NONE 0 0 27,326
Fedex Corporation COM 31428X106 698 3,075 SH   SOLE NONE 0 0 3,075
General Dynamics Corp COM 369550108 656 3,521 SH   SOLE NONE 0 0 3,521
General Electric Company COM 369604103 176 12,935 SH   SOLE NONE 0 0 12,935
General Mills Inc COM 370334104 665 15,015 SH   SOLE NONE 0 0 15,015
Gilead Sciences Inc COM 375558103 783 11,056 SH   SOLE NONE 0 0 11,056
Goldman Sachs Group Inc COM 38141G104 1,534 6,953 SH   SOLE NONE 0 0 6,953
Hartford Finl Svcs Grp COM 416515104 412 8,063 SH   SOLE NONE 0 0 8,063
Heico Corp CL A 422806208 1,705 27,982 SH   SOLE NONE 0 0 27,982
Home Depot Inc COM 437076102 7,171 36,754 SH   SOLE NONE 0 0 36,754
Honeywell International COM 438516106 814 5,648 SH   SOLE NONE 0 0 5,648
Hsbc Hldgs Plc Adr New SPON ADR NEW 404280406 3,190 67,680 SH   SOLE NONE 0 0 67,680
Ing Groep Nv SPONSORED ADR 456837103 651 25,423 SH   SOLE NONE 0 0 25,423
Intel Corp COM 458140100 1,502 30,217 SH   SOLE NONE 0 0 30,217
Intl Business Machines COM 459200101 287 2,058 SH   SOLE NONE 0 0 2,058
Invesco Aerospace & Defense ET AEROSPACE DEFN 46137V100 227 4,133 SH   SOLE NONE 0 0 4,133
Invesco QQQ Trust UNIT SER 1 46090E103 6,158 35,877 SH   SOLE NONE 0 0 35,877
Ishares Aero & Def Etf US AER DEF ETF 464288760 268 1,395 SH   SOLE NONE 0 0 1,395
Ishares Russell 1000 RUS 1000 GRW ETF 464287614 326 2,264 SH   SOLE NONE 0 0 2,264
Ishares Tr Russell RUS 1000 ETF 464287622 487 3,205 SH   SOLE NONE 0 0 3,205
Ishares Tr S&P Smallcap CORE S&P SCP ETF 464287804 408 4,893 SH   SOLE NONE 0 0 4,893
Jetblue Airways Corp COM 477143101 1,464 77,150 SH   SOLE NONE 0 0 77,150
Johnson & Johnson COM 478160104 6,988 57,592 SH   SOLE NONE 0 0 57,592
Jpmorgan Chase & Co COM 46625H100 4,305 41,317 SH   SOLE NONE 0 0 41,317
Kimberly-Clark Corp COM 494368103 768 7,294 SH   SOLE NONE 0 0 7,294
Kraft Heinz Company COM 500754106 1,552 24,710 SH   SOLE NONE 0 0 24,710
Lockheed Martin Corp COM 539830109 600 2,031 SH   SOLE NONE 0 0 2,031
Lowes Companies Inc COM 548661107 530 5,550 SH   SOLE NONE 0 0 5,550
Mastercard Inc CL A 57636Q104 1,564 7,957 SH   SOLE NONE 0 0 7,957
Mc Donalds Corp COM 580135101 230 1,469 SH   SOLE NONE 0 0 1,469
Merck & Co Inc COM 58933Y105 2,406 39,633 SH   SOLE NONE 0 0 39,633
Metlife Inc COM 59156R108 3,432 78,706 SH   SOLE NONE 0 0 78,706
Microsoft Corp COM 594918104 7,876 79,871 SH   SOLE NONE 0 0 79,871
Mondelez Intl Inc Cl A CL A 609207105 286 6,981 SH   SOLE NONE 0 0 6,981
Neuberger Bermn Real Est COM 64190A103 113 22,000 SH   SOLE NONE 0 0 22,000
Occidental Pete Corp COM 674599105 314 3,754 SH   SOLE NONE 0 0 3,754
Oracle Corporation COM 68389X105 418 9,490 SH   SOLE NONE 0 0 9,490
Pepsico Incorporated COM 713448108 1,665 15,291 SH   SOLE NONE 0 0 15,291
Pfizer Incorporated COM 717081103 2,849 78,529 SH   SOLE NONE 0 0 78,529
Philip Morris Intl Inc COM 718172109 552 6,832 SH   SOLE NONE 0 0 6,832
Phillips COM 718546104 2,870 25,558 SH   SOLE NONE 0 0 25,558
Pimco Intrmediate Muni INTER MUN BD ACT 72201R866 235 4,445 SH   SOLE NONE 0 0 4,445
Pimco Total Return ACTIVE BD ETF 72201R775 5,755 55,845 SH   SOLE NONE 0 0 55,845
Procter & Gamble COM 742718109 2,141 27,431 SH   SOLE NONE 0 0 27,431
Prudential Financial Inc COM 744320102 1,350 14,438 SH   SOLE NONE 0 0 14,438
Raytheon Company New COM NEW 755111507 296 1,532 SH   SOLE NONE 0 0 1,532
Rowe T Price Group Inc COM 74144T108 778 6,700 SH   SOLE NONE 0 0 6,700
S P D R S&P 500 Etf Tr TR UNIT 78462F103 663 2,443 SH   SOLE NONE 0 0 2,443
Salesforce Com COM 79466L302 447 3,276 SH   SOLE NONE 0 0 3,276
Sch US Div Equity Etf US DIVIDEND EQ 808524797 450 9,128 SH   SOLE NONE 0 0 9,128
Schw Emg Mkt Eq Etf EMRG MKTEQ ETF 808524706 862 33,285 SH   SOLE NONE 0 0 33,285
Schw Intl Eq Etf INTL EQTY ETF 808524805 3,699 111,912 SH   SOLE NONE 0 0 111,912
Schw US Brd Mkt Etf US BRD MKT ETF 808524102 20,206 306,192 SH   SOLE NONE 0 0 306,192
Schwab Fundamental US SCHWAB FDT US SC 808524763 3,422 85,750 SH   SOLE NONE 0 0 85,750
Schwab US Tips Etf US TIPS ETF 808524870 2,669 48,601 SH   SOLE NONE 0 0 48,601
Sector Spdr Consumer Fd SBI CONS DISCR 81369Y407 418 3,828 SH   SOLE NONE 0 0 3,828
Sector Spdr Tech Select TECHNOLOGY 81369Y803 925 13,320 SH   SOLE NONE 0 0 13,320
Sector Spdr Tr Con Stpls SBI CONS STPLS 81369Y308 428 8,307 SH   SOLE NONE 0 0 8,307
Spdr S&P 400 Mid Cap S&P 400 MDCP GRW 78464A821 3,892 72,057 SH   SOLE NONE 0 0 72,057
Square Inc CL A 852234103 218 3,530 SH   SOLE NONE 0 0 3,530
Stanley Black & Decker COM 854502101 217 1,633 SH   SOLE NONE 0 0 1,633
Starbucks Corp COM 855244109 383 7,847 SH   SOLE NONE 0 0 7,847
Teva Pharm Inds Ltd Adrf SPONSORED ADR 881624209 570 23,450 SH   SOLE NONE 0 0 23,450
The Charles Schwab Corp COM 808513105 847 16,585 SH   SOLE NONE 0 0 16,585
The Southern Company COM 842587107 263 5,680 SH   SOLE NONE 0 0 5,680
Thermo Electron Corp COM 883556102 1,683 8,124 SH   SOLE NONE 0 0 8,124
Travelers Companies Inc COM 89417E109 1,057 8,641 SH   SOLE NONE 0 0 8,641
Trupanion Inc COM 898202106 579 15,000 SH   SOLE NONE 0 0 15,000
U S Bancorp Del New COM NEW 902973304 817 16,340 SH   SOLE NONE 0 0 16,340
Unilever N V Ny Shs Newf N Y SHS NEW 904784709 251 4,508 SH   SOLE NONE 0 0 4,508
Unilever Plc Adr New SPON ADR NEW 904767704 225 4,072 SH   SOLE NONE 0 0 4,072
United Contl Hldgs Inc COM 910047109 2,150 30,832 SH   SOLE NONE 0 0 30,832
United Parcel Service B CL B 911312106 1,419 13,358 SH   SOLE NONE 0 0 13,358
United Technologies Corp COM 913017109 553 4,422 SH   SOLE NONE 0 0 4,422
Unitedhealth Group Inc COM 91324P102 763 3,112 SH   SOLE NONE 0 0 3,112
Valero Energy Corp New COM 91913Y100 262 2,368 SH   SOLE NONE 0 0 2,368
Vanguard Ftse All World ALLWRLD EX US 922042775 2,116 40,820 SH   SOLE NONE 0 0 40,820
Vanguard Info Technology INF TECH ETF 92204A702 455 2,507 SH   SOLE NONE 0 0 2,507
Vanguard Large Cap LARGE CAP ETF 922908637 406 3,253 SH   SOLE NONE 0 0 3,253
Vanguard Mid Cap Value MCAP VL IDXVIP 922908512 295 2,674 SH   SOLE NONE 0 0 2,674
Vanguard Total Intl Etf VG TL INTL STK F 921909768 404 7,460 SH   SOLE NONE 0 0 7,460
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 417 2,973 SH   SOLE NONE 0 0 2,973
Veeva Systems Inc CL A COM 922475108 606 7,883 SH   SOLE NONE 0 0 7,883
Verizon Communications COM 92343V104 6,016 119,573 SH   SOLE NONE 0 0 119,573
Visa Inc Cl A COM CL A 92826C839 5,957 44,977 SH   SOLE NONE 0 0 44,977
Vmware Inc Cl A CL A COM 928563402 222 1,510 SH   SOLE NONE 0 0 1,510
Waste Management Inc Del COM 94106L109 3,671 45,131 SH   SOLE NONE 0 0 45,131
Weingarten Rlty Invs Sbi SH BEN INT 948741103 202 6,550 SH   SOLE NONE 0 0 6,550
Wells Fargo & Co New COM 949746101 1,837 33,142 SH   SOLE NONE 0 0 33,142
Wells Fargo L PERP PFD CNV A 949746804 960 762 SH   SOLE NONE 0 0 762
Weyerhaeuser Co COM 962166104 1,747 47,923 SH   SOLE NONE 0 0 47,923