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    <titleOfClass>COM</titleOfClass>
    <cusip>49456b101</cusip>
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    <votingAuthority>
      <Sole>35874</Sole>
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      <None>0</None>
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    <cusip>577081102</cusip>
    <value>279</value>
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      <sshPrnamt>18078</sshPrnamt>
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    <votingAuthority>
      <Sole>18052</Sole>
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      <None>26</None>
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    <nameOfIssuer>MCDONALDS CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>580135101</cusip>
    <value>869</value>
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      <sshPrnamt>5550</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5550</Sole>
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      <None>0</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>585055106</cusip>
    <value>271</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3496</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3496</Sole>
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      <None>0</None>
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    <nameOfIssuer>MERCK AND CO INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>589331107</cusip>
    <value>3148</value>
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      <sshPrnamt>49166</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>49016</Sole>
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      <None>150</None>
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    <nameOfIssuer>MICROSOFT CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>594918104</cusip>
    <value>4877</value>
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      <sshPrnamt>65482</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>65482</Sole>
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      <None>0</None>
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    <nameOfIssuer>MINNESOTA MNNG AND MANUF</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>604059105</cusip>
    <value>2577</value>
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      <sshPrnamt>12278</sshPrnamt>
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    <votingAuthority>
      <Sole>12278</Sole>
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      <None>0</None>
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    <nameOfIssuer>NIKE INC CL B</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>654106103</cusip>
    <value>254</value>
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      <sshPrnamt>4900</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4900</Sole>
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      <None>0</None>
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    <nameOfIssuer>NORDSTROM INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>655664100</cusip>
    <value>787</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16707</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16707</Sole>
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      <None>0</None>
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    <nameOfIssuer>NORTHWEST NAT GAS CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>667655104</cusip>
    <value>526</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8180</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8180</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>NOVARTIS A G SPONSORED ADR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>66987V109</cusip>
    <value>2222</value>
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      <sshPrnamt>25885</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>25685</Sole>
      <Shared>0</Shared>
      <None>200</None>
    </votingAuthority>
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    <nameOfIssuer>OROPLATA RES INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>687157107</cusip>
    <value>1</value>
    <shrsOrPrnAmt>
      <sshPrnamt>10000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10000</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>PACCAR INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>693718108</cusip>
    <value>289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4000</Sole>
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      <None>0</None>
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    <nameOfIssuer>PACIFIC CONTINENTAL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>69412V108</cusip>
    <value>1053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>39082</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>38782</Sole>
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      <None>300</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PFIZER INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>717081103</cusip>
    <value>1549</value>
    <shrsOrPrnAmt>
      <sshPrnamt>43417</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>43117</Sole>
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      <None>300</None>
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  <infoTable>
    <nameOfIssuer>PHILIP MORRIS INTL INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>718172109</cusip>
    <value>2764</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24700</Sole>
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      <None>200</None>
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  <infoTable>
    <nameOfIssuer>PREMIER COML BANCORP O COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>74048m100</cusip>
    <value>422</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>41000</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PROCTER AND GAMBLE CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>742718109</cusip>
    <value>3327</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36569</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36569</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>PRUDENTIAL FINL INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>744320102</cusip>
    <value>2955</value>
    <shrsOrPrnAmt>
      <sshPrnamt>27798</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>27698</Sole>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>QUALCOMM INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>747525103</cusip>
    <value>4842</value>
    <shrsOrPrnAmt>
      <sshPrnamt>93421</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>92921</Sole>
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      <None>500</None>
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  <infoTable>
    <nameOfIssuer>REGENERON PHARMACEUTIC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>75886f107</cusip>
    <value>1003</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2245</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2245</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ROCKWELL COLLINS INC COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>774341101</cusip>
    <value>765</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5858</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5858</Sole>
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      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>ROYAL DUTCH SHELL A ADR</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>780259206</cusip>
    <value>550</value>
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      <sshPrnamt>9095</sshPrnamt>
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    <votingAuthority>
      <Sole>9095</Sole>
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      <None>0</None>
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    <nameOfIssuer>SIRIUS XM HOLDINGS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>82967n108</cusip>
    <value>460</value>
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      <sshPrnamt>83500</sshPrnamt>
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      <Sole>83500</Sole>
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      <None>0</None>
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    <nameOfIssuer>STARBUCKS CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>855244109</cusip>
    <value>677</value>
    <shrsOrPrnAmt>
      <sshPrnamt>12608</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12608</Sole>
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      <None>0</None>
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    <nameOfIssuer>SYSCO CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>871829107</cusip>
    <value>408</value>
    <shrsOrPrnAmt>
      <sshPrnamt>7580</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7580</Sole>
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      <None>0</None>
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    <nameOfIssuer>UNION PAC CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>494</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4260</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>4160</Sole>
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      <None>100</None>
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  <infoTable>
    <nameOfIssuer>UNITED PARCEL SERVICE CL B</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>911312106</cusip>
    <value>252</value>
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      <sshPrnamt>2100</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2100</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>UNIVERSAL DISPLAY CORP COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91347p105</cusip>
    <value>1546</value>
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      <sshPrnamt>12000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>US BANCORP DEL COM NEW</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>902973304</cusip>
    <value>3603</value>
    <shrsOrPrnAmt>
      <sshPrnamt>67237</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>67237</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VALERO ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>91913y100</cusip>
    <value>3244</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42170</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42170</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>2592</value>
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      <sshPrnamt>52382</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>52082</Sole>
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      <None>300</None>
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    <nameOfIssuer>WALGREENS BOOTS ALLIAN COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931427108</cusip>
    <value>366</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4740</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>4540</Sole>
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      <None>200</None>
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  <infoTable>
    <nameOfIssuer>WALT DISNEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>2376</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24106</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23906</Sole>
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      <None>200</None>
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  <infoTable>
    <nameOfIssuer>WASTE MGMT INC DEL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>94106l109</cusip>
    <value>869</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11110</sshPrnamt>
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    <votingAuthority>
      <Sole>11110</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>WELLS FARGO AND CO NEW COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>949746101</cusip>
    <value>714</value>
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      <sshPrnamt>12950</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>12950</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WEYERHAEUSER CO COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>962166104</cusip>
    <value>1663</value>
    <shrsOrPrnAmt>
      <sshPrnamt>48875</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>48475</Sole>
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      <None>400</None>
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  <infoTable>
    <nameOfIssuer>WILLIAMS COS INC DEL COM</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>969457100</cusip>
    <value>1220</value>
    <shrsOrPrnAmt>
      <sshPrnamt>40656</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>40656</Sole>
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      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE INVESTMENTS CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>97717p104</cusip>
    <value>203</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>NXP SEMICOND XXX SUBMIT FOR TE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>n65990017</cusip>
    <value>1500</value>
    <shrsOrPrnAmt>
      <sshPrnamt>13270</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13270</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>ABERDEEN ASIA PACIFIC COM</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>003009107</cusip>
    <value>868</value>
    <shrsOrPrnAmt>
      <sshPrnamt>168250</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>167250</Sole>
      <Shared>0</Shared>
      <None>1000</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>BLKROCK CORPO HIYL VI COM</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>09255p107</cusip>
    <value>202</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17943</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17943</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>DOMESTIC DIV EX-FINL FD WDTREE</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>97717w406</cusip>
    <value>350</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4159</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3549</Sole>
      <Shared>0</Shared>
      <None>610</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>EMERG MKTS EQUITY INCOME FUND</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>97717w315</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6812</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6812</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>FIRST TR EXCHANGE-TRAD PFD SEC</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>33739e108</cusip>
    <value>227</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11335</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>10935</Sole>
      <Shared>0</Shared>
      <None>400</None>
    </votingAuthority>
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    <nameOfIssuer>FIRST TR LRG CP VL ALP COM SHS</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>33735j101</cusip>
    <value>268</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5248</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5248</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>GS ETF TR INTL DVLPD</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>381430107</cusip>
    <value>5405</value>
    <shrsOrPrnAmt>
      <sshPrnamt>186330</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>185330</Sole>
      <Shared>0</Shared>
      <None>1000</None>
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    <nameOfIssuer>ISHARES CORE TOTAL ETF US BOND</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>464287226</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
      <sshPrnamt>2090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2090</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR CORE S&amp;P500 ETF</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>464287200</cusip>
    <value>437</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1729</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1729</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR RUSSELL 2000 ETF</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>464287655</cusip>
    <value>512</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3459</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>2729</Sole>
      <Shared>0</Shared>
      <None>730</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ISHARES TR SP500 GRW</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>464287309</cusip>
    <value>260</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1819</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>1819</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>NUVEEN ENERGY MLP TOTL COM</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>67074u103</cusip>
    <value>858</value>
    <shrsOrPrnAmt>
      <sshPrnamt>71186</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>71186</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>SCHWAB INTL EQTY ETF</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>808524805</cusip>
    <value>289</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8656</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>7956</Sole>
      <Shared>0</Shared>
      <None>700</None>
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    <nameOfIssuer>SCHWAB STRATEGIC TR US AGG BON</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>808524839</cusip>
    <value>221</value>
    <shrsOrPrnAmt>
      <sshPrnamt>4229</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3186</Sole>
      <Shared>0</Shared>
      <None>1043</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US DIVIDEN</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>808524797</cusip>
    <value>382</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8172</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US LCAP VA</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>808524409</cusip>
    <value>608</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11738</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>11026</Sole>
      <Shared>0</Shared>
      <None>712</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US MID-CAP</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>808524508</cusip>
    <value>987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19716</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>18881</Sole>
      <Shared>0</Shared>
      <None>835</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB STRATEGIC TR US TIPS ET</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>808524870</cusip>
    <value>459</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8319</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8319</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB US LRG CAP ETF</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>808524201</cusip>
    <value>1450</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24165</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>23565</Sole>
      <Shared>0</Shared>
      <None>600</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>SCHWAB US SML CAP ETF</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>808524607</cusip>
    <value>949</value>
    <shrsOrPrnAmt>
      <sshPrnamt>14090</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>13845</Sole>
      <Shared>0</Shared>
      <None>245</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>VANECK MORNINGSTAR WIDE MOAT E</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>57060U134</cusip>
    <value>1194</value>
    <shrsOrPrnAmt>
      <sshPrnamt>29600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>29600</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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    <nameOfIssuer>VANGUARD BD INDEX FD SHORT TRM</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>921937827</cusip>
    <value>546</value>
    <shrsOrPrnAmt>
      <sshPrnamt>6843</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>6843</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>VANGUARD INTL EQTY IDX ALLWRLD</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>922042775</cusip>
    <value>1053</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19991</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19086</Sole>
      <Shared>0</Shared>
      <None>905</None>
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  <infoTable>
    <nameOfIssuer>WISDOMTREE TRUST JAPN HEDGE EQ</nameOfIssuer>
    <titleOfClass>FD</titleOfClass>
    <cusip>97717w851</cusip>
    <value>292</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5348</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5348</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
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  <infoTable>
    <nameOfIssuer>ENTERPRISE PRODUCTS PARTNERS L</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>293792107</cusip>
    <value>209</value>
    <shrsOrPrnAmt>
      <sshPrnamt>8030</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>8030</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MOTORS 7.2XXXESCROW PE</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370escbb0</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20000</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GENERAL MOTORS 8.25XXXESCROW P</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>370escbw4</cusip>
    <value>0</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20000</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20000</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>H C P INC REIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>40414l109</cusip>
    <value>463</value>
    <shrsOrPrnAmt>
      <sshPrnamt>16658</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>16658</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>MAGELLAN MIDSTREAM PTNRS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>559080106</cusip>
    <value>419</value>
    <shrsOrPrnAmt>
      <sshPrnamt>5900</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>5900</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>MEDICAL PROPERTIES TRUSTREIT</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>58463j304</cusip>
    <value>561</value>
    <shrsOrPrnAmt>
      <sshPrnamt>42770</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>42770</Sole>
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      <None>0</None>
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    <nameOfIssuer>BANK OF AMERICA PREF IV FLTNG</nameOfIssuer>
    <titleOfClass>PFD</titleOfClass>
    <cusip>060505591</cusip>
    <value>492</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>20600</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>CHS INC PFD CL B</nameOfIssuer>
    <titleOfClass>PFD</titleOfClass>
    <cusip>12542r308</cusip>
    <value>281</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9600</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>9600</Sole>
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      <None>0</None>
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  <infoTable>
    <nameOfIssuer>GOLDMAN SACHS GRP PFD K 6.375</nameOfIssuer>
    <titleOfClass>PFD</titleOfClass>
    <cusip>38148b108</cusip>
    <value>1074</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36700</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36300</Sole>
      <Shared>0</Shared>
      <None>400</None>
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    <nameOfIssuer>JPMORGAN CHASE AND CO 5.50PCT</nameOfIssuer>
    <titleOfClass>PFD</titleOfClass>
    <cusip>48126e750</cusip>
    <value>620</value>
    <shrsOrPrnAmt>
      <sshPrnamt>24500</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>24100</Sole>
      <Shared>0</Shared>
      <None>400</None>
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  <infoTable>
    <nameOfIssuer>SCE TRUST II 5.1PCT PFD PERP C</nameOfIssuer>
    <titleOfClass>PFD</titleOfClass>
    <cusip>78407r204</cusip>
    <value>427</value>
    <shrsOrPrnAmt>
      <sshPrnamt>17000</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>17000</Sole>
      <Shared>0</Shared>
      <None>0</None>
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  <infoTable>
    <nameOfIssuer>SCHWAB CHARLES CORP NE DSHS 1/</nameOfIssuer>
    <titleOfClass>PFD</titleOfClass>
    <cusip>808513600</cusip>
    <value>1000</value>
    <shrsOrPrnAmt>
      <sshPrnamt>36880</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>36480</Sole>
      <Shared>0</Shared>
      <None>400</None>
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    <nameOfIssuer>US BANCORP DEL PFD 1/1000 PRP</nameOfIssuer>
    <titleOfClass>PFD</titleOfClass>
    <cusip>902973791</cusip>
    <value>676</value>
    <shrsOrPrnAmt>
      <sshPrnamt>26172</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>26172</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>US BANCORP DEL PFD B 1/1000DP</nameOfIssuer>
    <titleOfClass>PFD</titleOfClass>
    <cusip>902973155</cusip>
    <value>445</value>
    <shrsOrPrnAmt>
      <sshPrnamt>19015</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>19015</Sole>
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      <None>0</None>
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    <nameOfIssuer>WELLS FARGO AND CO DEP 1/1000</nameOfIssuer>
    <titleOfClass>PFD</titleOfClass>
    <cusip>949746465</cusip>
    <value>907</value>
    <shrsOrPrnAmt>
      <sshPrnamt>31400</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>31400</Sole>
      <Shared>0</Shared>
      <None>0</None>
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    <nameOfIssuer>ISHARES TR COMEX GOLD</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>464285105</cusip>
    <value>1379</value>
    <shrsOrPrnAmt>
      <sshPrnamt>112050</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>112050</Sole>
      <Shared>0</Shared>
      <None>0</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>SPDR TR UNIT SER 1</nameOfIssuer>
    <titleOfClass>TR UNIT</titleOfClass>
    <cusip>78462F103</cusip>
    <value>789</value>
    <shrsOrPrnAmt>
      <sshPrnamt>3141</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>3001</Sole>
      <Shared>0</Shared>
      <None>140</None>
    </votingAuthority>
  </infoTable>
</informationTable>
