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
Barings Corporate Investors (M BDFUND 06759X107 5,200 339,296 SH   SOLE   169,648 0 169,648
Barings Participation Inv (MPV BDFUND 06761A103 1,168 78,366 SH   SOLE   39,183 0 39,183
IShares IBonds Sep 2019 Muni ( BDFUND 46429B564 406 16,000 SH   SOLE   8,000 0 8,000
Invesco Bullestshares 2021 (BS BDFUND 46138J700 589 28,380 SH   SOLE   14,190 0 14,190
SPDR Int Corporate Bond ETF (S BDFUND 78464A375 1,324 39,774 SH   SOLE   19,887 0 19,887
SPDR Inv't Grade Floating Rate BDFUND 78468R200 7,990 259,500 SH   SOLE   129,750 0 129,750
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739 3,146 65,974 SH   SOLE   32,987 0 32,987
SPDR Nuveen Bloomberg Municipa BDFUND 78468R721 489 10,300 SH   SOLE   5,150 0 5,150
Schwab Aggregate Bond ETF (SCH BDFUND 808524839 2,457 48,900 SH   SOLE   24,450 0 24,450
Schwab US Tips ETF (SCHP) BDFUND 808524870 1,776 32,910 SH   SOLE   16,455 0 16,455
VanEck Vectors AMT-Free Shrt M BDFUND 92189F528 1,219 71,000 SH   SOLE   35,500 0 35,500
Vanguard Intermediate Corp Bon BDFUND 92206C870 13,673 163,692 SH   SOLE   81,846 0 81,846
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409 25,941 331,895 SH   SOLE   165,948 0 165,948
iShares Floating Rate Note Fun BDFUND 46429B655 755 14,800 SH   SOLE   7,400 0 7,400
iShares National Muni Bond (MU BDFUND 464288414 7,583 70,250 SH   SOLE   35,125 0 35,125
iShares ST Corp Bond (IGSB) BDFUND 464288646 8,047 155,260 SH   SOLE   77,630 0 77,630
iShares Short Term Nat'l Muni BDFUND 464288158 7,797 74,450 SH   SOLE   37,225 0 37,225
iShares TIPS Bond Fund (TIP) BDFUND 464287176 5,860 52,972 SH   SOLE   26,486 0 26,486
BP Prudhoe Bay Rlty Tr (BPT) LP 055630107 433 12,560 SH   SOLE   6,280 0 6,280
H C P Inc Reit (HCP) REIT 40414L109 1,319 50,100 SH   SOLE   25,050 0 25,050
Invesco Mortgage Capital Inc ( REIT 46131B100 539 34,050 SH   SOLE   17,025 0 17,025
Schwab REIT ETF (SCHH) REIT 808524847 1,208 28,950 SH   SOLE   14,475 0 14,475
Vanguard REIT Index ETF (VNQ) REIT 922908553 1,040 12,894 SH   SOLE   6,447 0 6,447
Weyerhauser (WY) REIT 962166104 3,363 104,200 SH   SOLE   52,100 0 52,100
3M Company (MMM) COM 88579Y101 1,856 8,806 SH   SOLE   4,403 0 4,403
A F L A C Inc. (AFL) COM 001055102 946 20,100 SH   SOLE   10,050 0 10,050
AT&T Inc. (T) COM 00206R102 1,821 54,216 SH   SOLE   27,108 0 27,108
Abbott Laboratories (ABT) COM 002824100 2,954 40,272 SH   SOLE   20,136 0 20,136
Abbvie Inc (ABBV) COM 00287Y109 1,639 17,332 SH   SOLE   8,666 0 8,666
Accenture PLC (ACN) COM G1151C101 742 4,360 SH   SOLE   2,180 0 2,180
Aetna Inc (AET) COM 00817Y108 1,714 8,450 SH   SOLE   4,225 0 4,225
Alphabet Class A (GOOGL) COM 02079K305 845 700 SH   SOLE   350 0 350
Alphabet Class C (GOOG) COM 02079K107 3,774 3,162 SH   SOLE   1,581 0 1,581
Amazon Com Inc (AMZN) COM 023135106 5,608 2,800 SH   SOLE   1,400 0 1,400
Amgen Incorporated (AMGN) COM 031162100 574 2,770 SH   SOLE   1,385 0 1,385
Apple Computer (AAPL) COM 037833100 9,312 41,252 SH   SOLE   20,626 0 20,626
ArQule Inc (ARQL) COM 04269E107 592 104,572 SH   SOLE   52,286 0 52,286
Auto Data Processing (ADP) COM 053015103 786 5,220 SH   SOLE   2,610 0 2,610
Autodesk Inc. (ADSK) COM 052769106 2,428 15,550 SH   SOLE   7,775 0 7,775
BWX Technologies (BWXT) COM 05605H100 885 14,150 SH   SOLE   7,075 0 7,075
Bank of Montreal (BMO) COM 063671101 2,340 28,350 SH   SOLE   14,175 0 14,175
Bank of New York (BK) COM 064058100 492 9,650 SH   SOLE   4,825 0 4,825
Baxter Int'l (BAX) COM 071813109 407 5,280 SH   SOLE   2,640 0 2,640
Becton Dickinson (BDX) COM 075887109 658 2,520 SH   SOLE   1,260 0 1,260
Bemis Co. (BMS) COM 081437105 802 16,500 SH   SOLE   8,250 0 8,250
Berkshire Hathaway Cl B (BRKB) COM 084670702 3,427 16,008 SH   SOLE   8,004 0 8,004
BioTelemetry (BEAT) COM 090672106 1,558 24,180 SH   SOLE   12,090 0 12,090
Boeing Company (BA) COM 097023105 1,212 3,260 SH   SOLE   1,630 0 1,630
Bristol-Myers Squibb (BMY) COM 110122108 744 11,992 SH   SOLE   5,996 0 5,996
CVS Health Corp. (CVS) COM 126650100 1,178 14,970 SH   SOLE   7,485 0 7,485
Canadian National Railway (CNI COM 136375102 575 6,400 SH   SOLE   3,200 0 3,200
Celanese (CE) COM 150870103 1,630 14,300 SH   SOLE   7,150 0 7,150
Check Point Software Tech (CHK COM M22465104 1,989 16,900 SH   SOLE   8,450 0 8,450
Chevron Corp (CVX) COM 166764100 1,685 13,782 SH   SOLE   6,891 0 6,891
Cincinnati Financial (CINF) COM 172062101 491 6,390 SH   SOLE   3,195 0 3,195
Cisco Systems Inc. (CSCO) COM 17275R102 3,575 73,494 SH   SOLE   36,747 0 36,747
Coca Cola Company (KO) COM 191216100 880 19,050 SH   SOLE   9,525 0 9,525
Colgate-Palmolive Co. (CL) COM 194162103 1,116 16,670 SH   SOLE   8,335 0 8,335
Comcast Corp NEW CL A (CMCSA) COM 20030N101 1,033 29,184 SH   SOLE   14,592 0 14,592
DR Horton (DHI) COM 23331a109 444 10,520 SH   SOLE   5,260 0 5,260
Danaher Corp (DHR) COM 235851102 597 5,490 SH   SOLE   2,745 0 2,745
Disney Walt Hldg. Co. (DIS) COM 254687106 2,952 25,240 SH   SOLE   12,620 0 12,620
Dominion Energy Inc (D) COM 25746U109 457 6,500 SH   SOLE   3,250 0 3,250
DowDuPont Inc (DWDP) COM 26078J100 2,441 37,950 SH   SOLE   18,975 0 18,975
Dun & Bradstreet Corp (DNB) COM 26483E100 435 3,050 SH   SOLE   1,525 0 1,525
ETFMG Prime Cyber Security ETF COM 26924G201 1,118 27,870 SH   SOLE   13,935 0 13,935
Exxon Mobil (XOM) COM 30231G102 5,966 70,176 SH   SOLE   35,088 0 35,088
FDX Corporation (FDX) COM 31428X106 771 3,200 SH   SOLE   1,600 0 1,600
Fastenal Company (FAST) COM 311900104 625 10,766 SH   SOLE   5,383 0 5,383
General Electric Company (GE) COM 369604103 737 65,322 SH   SOLE   32,661 0 32,661
General Mills, Inc. (GIS) COM 370334104 555 12,920 SH   SOLE   6,460 0 6,460
Gilead Sciences Inc. (GILD) COM 375558103 1,618 20,950 SH   SOLE   10,475 0 10,475
Globalstar Inc. (GSAT) COM 378973408 20 39,280 SH   SOLE   19,640 0 19,640
Graco Inc (GGG) COM 384109104 1,085 23,406 SH   SOLE   11,703 0 11,703
Hamilton Beach Brands Cl A (HB COM 40701T104 1,507 68,696 SH   SOLE   34,348 0 34,348
Hamilton Beach Brands Cl B Res COM 40701T203 1,524 69,452 SH   SOLE   34,726 0 34,726
Heska Corp (HSKA) COM 42805E306 635 5,600 SH   SOLE   2,800 0 2,800
Hologic Inc (HOLX) COM 436440101 887 21,646 SH   SOLE   10,823 0 10,823
Home Depot Inc. (HD) COM 437076102 2,896 13,978 SH   SOLE   6,989 0 6,989
Honeywell International (HON) COM 438516106 1,598 9,602 SH   SOLE   4,801 0 4,801
Hormel Foods (HRL) COM 440452100 1,428 36,251 SH   SOLE   18,126 0 18,126
Hyster-Yale Materials Handling COM 449172105 3,772 61,304 SH   SOLE   30,652 0 30,652
Illinois Tool Works Inc (ITW) COM 452308109 1,099 7,790 SH   SOLE   3,895 0 3,895
Innophos Holdings (IPHS) COM 45774N108 517 11,650 SH   SOLE   5,825 0 5,825
Inogen, Inc (INGN) COM 45780L104 3,934 16,116 SH   SOLE   8,058 0 8,058
Intel Corp. (INTC) COM 458140100 3,598 76,094 SH   SOLE   38,047 0 38,047
Intl Business Machines (IBM) COM 459200101 1,394 9,216 SH   SOLE   4,608 0 4,608
Invesco Water Resource Port (P COM 46137V142 1,055 33,170 SH   SOLE   16,585 0 16,585
J P Morgan Chase & Co (JPM) COM 46625H100 2,870 25,438 SH   SOLE   12,719 0 12,719
J.M. Smuckers Co (SJM) COM 832696405 1,587 15,470 SH   SOLE   7,735 0 7,735
JetBlue Airways Corp (JBLU) COM 477143101 1,050 54,250 SH   SOLE   27,125 0 27,125
Johnson & Johnson (JNJ) COM 478160104 4,241 30,692 SH   SOLE   15,346 0 15,346
Kohlberg Kravis & Co (KKR) COM 48251W104 2,349 86,150 SH   SOLE   43,075 0 43,075
Korn Ferry International (KFY) COM 500643200 1,381 28,050 SH   SOLE   14,025 0 14,025
Landstar System (LSTR) COM 515098101 401 3,290 SH   SOLE   1,645 0 1,645
LeMaitre Vascular COM 525558201 815 21,040 SH   SOLE   10,520 0 10,520
Lilly Eli & Company (LLY) COM 532457108 1,543 14,376 SH   SOLE   7,188 0 7,188
Lockheed Martin Corp. (LMT) COM 539830109 450 1,300 SH   SOLE   650 0 650
Manpower Inc (MAN) COM 56418H100 550 6,400 SH   SOLE   3,200 0 3,200
McDonalds Corp (MCD) COM 580135101 1,076 6,432 SH   SOLE   3,216 0 3,216
Merck & Co Inc. (MRK) COM 589331107 1,276 17,980 SH   SOLE   8,990 0 8,990
Microsoft Corp. (MSFT) COM 594918104 5,154 45,068 SH   SOLE   22,534 0 22,534
Nacco Inds Inc CL A (NC) COM 629579103 1,286 39,266 SH   SOLE   19,633 0 19,633
National Grid ADS (NGG) COM 636274409 892 17,202 SH   SOLE   8,601 0 8,601
NextEra Energy (NEE) COM 65339F101 1,198 7,150 SH   SOLE   3,575 0 3,575
Norfolk Southern Cop (NSC) COM 655844108 505 2,800 SH   SOLE   1,400 0 1,400
Oracle Corp. (ORCL) COM 68389X105 667 12,934 SH   SOLE   6,467 0 6,467
PPL Corporation (PPL) COM 69351T106 473 16,168 SH   SOLE   8,084 0 8,084
PepsiCo Inc. (PEP) COM 713448108 3,193 28,562 SH   SOLE   14,281 0 14,281
Pfizer Inc (PFE) COM 717081103 2,647 60,073 SH   SOLE   30,036 0 30,036
Phillips 66 (PSX) COM 718546104 1,398 12,404 SH   SOLE   6,202 0 6,202
Procter & Gamble (PG) COM 742718109 2,194 26,364 SH   SOLE   13,182 0 13,182
ROBO Gbl Robotics & Auto'n ETF COM 301505707 1,072 25,610 SH   SOLE   12,805 0 12,805
SPDR Biotech ETF (XBI) COM 78464A870 441 4,600 SH   SOLE   2,300 0 2,300
SYNNEX Corp (SNX) COM 87162W100 606 7,150 SH   SOLE   3,575 0 3,575
Schlumberger Ltd (SLB) COM 806857108 1,876 30,792 SH   SOLE   15,396 0 15,396
Scotts Company (SMG) COM 810186106 683 8,680 SH   SOLE   4,340 0 4,340
Smith & Nephew (SNN) COM 83175M205 1,183 31,900 SH   SOLE   15,950 0 15,950
Sonoco Products (SON) COM 835495102 1,770 31,900 SH   SOLE   15,950 0 15,950
Southwest Airlines (LUV) COM 844741108 981 15,710 SH   SOLE   7,855 0 7,855
Standard Motor Products (SMP) COM 853666105 726 14,752 SH   SOLE   7,376 0 7,376
Starbucks Corp. (SBUX) COM 855244109 538 9,470 SH   SOLE   4,735 0 4,735
State Street Corp (STT) COM 857477103 1,282 15,300 SH   SOLE   7,650 0 7,650
Stryker Corp. (SYK) COM 863667101 597 3,360 SH   SOLE   1,680 0 1,680
Sysco Corp. (SYY) COM 871829107 2,268 30,960 SH   SOLE   15,480 0 15,480
T Rowe Price Group (TROW) COM 74144T108 818 7,490 SH   SOLE   3,745 0 3,745
TJX Cos Inc (TJX) COM 872540109 3,578 31,942 SH   SOLE   15,971 0 15,971
Taiwan Semiconductor ADRF Spon COM 874039100 1,113 25,200 SH   SOLE   12,600 0 12,600
Target Corporation (TGT) COM 87612E106 1,297 14,700 SH   SOLE   7,350 0 7,350
Texas Instruments Inc (TXN) COM 882508104 847 7,890 SH   SOLE   3,945 0 3,945
The Trading Desk Inc (TTD) COM 88339J105 765 5,070 SH   SOLE   2,535 0 2,535
Trex Inc (TREX) COM 89531P105 1,200 15,590 SH   SOLE   7,795 0 7,795
Tyson Foods (TSN) COM 902494103 792 13,300 SH   SOLE   6,650 0 6,650
US Bancorp (USB) COM 902973304 2,268 42,950 SH   SOLE   21,475 0 21,475
Ulta Beauty (ULTA) COM 903845303 1,622 5,750 SH   SOLE   2,875 0 2,875
Unilever NV NY SHS NEWF (UN) COM 904784709 869 15,640 SH   SOLE   7,820 0 7,820
Union Pacific Corp. (UNP) COM 907818108 729 4,480 SH   SOLE   2,240 0 2,240
United Technologies (UTX) COM 913017109 3,360 24,034 SH   SOLE   12,017 0 12,017
Unitedhealth Group Inc. (UNH) COM 91324P102 878 3,300 SH   SOLE   1,650 0 1,650
VMware (VMW) COM 928563402 488 3,130 SH   SOLE   1,565 0 1,565
Verisk Analytics (VRSK) COM 92345Y106 1,649 13,680 SH   SOLE   6,840 0 6,840
Verizon Communications (VZ) COM 92343V104 2,773 51,942 SH   SOLE   25,971 0 25,971
Visa Inc (V) COM 92826C839 826 5,504 SH   SOLE   2,752 0 2,752
WalMart Inc. (WMT) COM 931142103 402 4,280 SH   SOLE   2,140 0 2,140
Wells Fargo & Co. (WFC) COM 949746101 1,691 32,180 SH   SOLE   16,090 0 16,090
Western Union Company (WU) COM 959802109 385 20,200 SH   SOLE   10,100 0 10,100
Zimmer Biomet Holdings Inc. (Z COM 98956P102 649 4,936 SH   SOLE   2,468 0 2,468
IShares S&P 100 Index (OEF) ETF 464287101 616 4,750 SH   SOLE   2,375 0 2,375
Invesco S&P 500 Equal Weighted ETF 46137V357 4,354 40,764 SH   SOLE   20,382 0 20,382
Invesco SP500 Hi Div Low Vol ( ETF 46138E362 895 21,616 SH   SOLE   10,808 0 10,808
SPDR S&P 500 High Div ETF (SPY ETF 78468r788 613 16,350 SH   SOLE   8,175 0 8,175
SPDR S&P Dividend ETF (SDY) ETF 78464A763 832 8,500 SH   SOLE   4,250 0 4,250
SPDR S&P Midcap 400 (MDY) ETF 78467Y107 15,136 41,190 SH   SOLE   20,595 0 20,595
SPDR Trust S&P 500 (SPY) ETF 78462F103 520 1,790 SH   SOLE   895 0 895
Schwab Large Cap Growth ETF (S ETF 808524300 5,943 72,458 SH   SOLE   36,229 0 36,229
Schwab Large Cap US ETF (SCHX) ETF 808524201 1,241 17,838 SH   SOLE   8,919 0 8,919
Schwab US Broad Market ETF (SC ETF 808524102 4,540 64,500 SH   SOLE   32,250 0 32,250
Schwab US Mid Cap ETF (SCHM) ETF 808524508 8,642 149,410 SH   SOLE   74,705 0 74,705
Schwab US Small Cap ETF (SCHA) ETF 808524607 6,860 90,064 SH   SOLE   45,032 0 45,032
Vanguard Mid Cap ETF (VO) ETF 922908629 837 5,100 SH   SOLE   2,550 0 2,550
Vanguard S&P 500 ETF (VOO) ETF 922908363 6,147 23,020 SH   SOLE   11,510 0 11,510
Vanguard Small Cap Growth (VBK ETF 922908595 2,875 15,350 SH   SOLE   7,675 0 7,675
iShares S&P US Preferred Stock ETF 464288687 2,736 73,690 SH   SOLE   36,845 0 36,845
I Shares India 50 ETF (INDY) ETF 464289529 2,522 73,750 SH   SOLE   36,875 0 36,875
IShares Min Volatility EAFE In ETF 43429B689 800 10,990 SH   SOLE   5,495 0 5,495
IShares S&P Global 100 ETF (IO ETF 464287572 1,103 22,600 SH   SOLE   11,300 0 11,300
Ishares MSCI Ireland ETF (EIRL ETF 46429B507 1,114 24,710 SH   SOLE   12,355 0 12,355
Schwab Emerging Markets ETF (S ETF 808524706 3,626 141,050 SH   SOLE   70,525 0 70,525
Schwab Int'l Small Cap Equity ETF 808524888 2,803 78,590 SH   SOLE   39,295 0 39,295
Schwab International Equity ET ETF 808524805 8,808 262,690 SH   SOLE   131,345 0 131,345
Vanguard Total World Stock Mar ETF 922042742 832 10,970 SH   SOLE   5,485 0 5,485
iShares MSCI Canada Index Fund ETF 464286509 893 31,030 SH   SOLE   15,515 0 15,515
iShares TR MSCI EAFE Fd (EFA) ETF 464287465 3,954 58,152 SH   SOLE   29,076 0 29,076