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
1/100 Berkshire Htwy Cla COM 84990175 2,176 1,100 SH   SOLE   0 0 1,100
3M Company COM 88579Y101 245 1,627 SH   SOLE   0 0 1,627
Abbott Laboratories COM 2824100 228 5,070 SH   SOLE   0 0 5,070
Alphabet Inc Class A COM 38259P508 225 289 SH   SOLE   0 0 289
Alphabet Inc Class C COM 38259P706 280 369 SH   SOLE   0 0 369
Altria COM 02209S103 221 3,804 SH   SOLE   0 0 3,804
Amazon.com Inc. COM 23135106 630 932 SH   SOLE   0 0 932
Amgen COM 31162100 361 2,223 SH   SOLE   0 0 2,223
Apple Computer COM 37833100 3,053 29,003 SH   SOLE   0 0 29,003
AT&T COM 00206R102 1,427 41,472 SH   SOLE   0 0 41,472
Bank of America Corporation COM 60505104 183 10,890 SH   SOLE   0 0 10,890
Bank of NY Mellon Corp COM 64058100 318 7,706 SH   SOLE   0 0 7,706
Berkshire Hathaway Cl B COM 84670702 2,268 17,176 SH   SOLE   0 0 17,176
Boeing Co COM 97023105 257 1,777 SH   SOLE   0 0 1,777
Calamos Strategic Total Return COM 128125101 225 22,735 SH   SOLE   0 0 22,735
Charles Schwab Corp COM 808513105 222 6,741 SH   SOLE   0 0 6,741
Chevron Corp COM 166764100 1,759 19,550 SH   SOLE   0 0 19,550
Cisco Systems COM 17275R102 612 22,525 SH   SOLE   0 0 22,525
Clorox Company COM 189054109 207 1,631 SH   SOLE   0 0 1,631
Coca Cola Company COM 191216100 251 5,852 SH   SOLE   0 0 5,852
Exxon Mobil Corporation COM 30231G102 1,770 22,707 SH   SOLE   0 0 22,707
Facebook Inc Class A COM 30303M102 522 4,984 SH   SOLE   0 0 4,984
General Electric COM 369604103 1,608 51,611 SH   SOLE   0 0 51,611
Gugg. Corp. Bullet 2016 COM 18383M555 30,212 1,368,296 SH   SOLE   0 0 1,368,296
Gugg. Corp. Bullet 2017 COM 18383M548 29,443 1,307,397 SH   SOLE   0 0 1,307,397
Gugg. Corp. Bullet 2018 COM 18383M530 22,322 1,061,937 SH   SOLE   0 0 1,061,937
Gugg. HY Bullet 2016 COM 18383M415 25,198 974,021 SH   SOLE   0 0 974,021
Gugg. HY Bullet 2017 COM 18383M399 10,858 435,008 SH   SOLE   0 0 435,008
Gugg. HY Bullet 2018 COM 18383M381 223 9,446 SH   SOLE   0 0 9,446
Home Depot COM 437076102 201 1,518 SH   SOLE   0 0 1,518
Intel Corp COM 458140AD2 774 22,465 SH   SOLE   0 0 22,465
International Business Machine COM 459200101 467 3,396 SH   SOLE   0 0 3,396
iShares Core MSCI EAFE COM 46432F842 20,833 383,104 SH   SOLE   0 0 383,104
iShares Core MSCI Emerging Mar COM 46434G103 4,396 111,612 SH   SOLE   0 0 111,612
iShares Russell 2000 COM 464287655 1,812 16,092 SH   SOLE   0 0 16,092
iShares S&P 500 Index COM 464287200 10,311 50,331 SH   SOLE   0 0 50,331
iShares S&P 600 Index COM 78464A813 9,925 90,139 SH   SOLE   0 0 90,139
Johnson & Johnson COM 478160104 984 9,581 SH   SOLE   0 0 9,581
Kinder Morgan Inc COM 49456B101 171 11,479 SH   SOLE   0 0 11,479
McDonalds Corp COM 580135101 399 3,374 SH   SOLE   0 0 3,374
McKesson Inc. COM 58155Q103 623 3,157 SH   SOLE   0 0 3,157
Merck & Co Inc COM 58933Y105 519 9,826 SH   SOLE   0 0 9,826
Microsoft Corp COM 594918104 1,092 19,684 SH   SOLE   0 0 19,684
Northrop Grumman Corp COM 666807102 1,216 6,440 SH   SOLE   0 0 6,440
Pepsico Incorporated COM 713448108 371 3,711 SH   SOLE   0 0 3,711
Pfizer Incorporated COM 717081103 487 15,099 SH   SOLE   0 0 15,099
Phillips 66 Stock Fund COM 718546104 248 3,038 SH   SOLE   0 0 3,038
Pimco Enhanced Short Maturity COM 72201R833 398 3,960 SH   SOLE   0 0 3,960
Procter & Gamble Co COM 742718109 685 8,621 SH   SOLE   0 0 8,621
Qualcomm Inc COM 747525103 216 4,313 SH   SOLE   0 0 4,313
S&P 500 Index SPDR Trust COM 78462F103 260 1,277 SH   SOLE   0 0 1,277
Schwab Emerging Market Equity COM 808524706 547 28,022 SH   SOLE   0 0 28,022
Schwab International Equity ET COM 808524805 2,111 76,592 SH   SOLE   0 0 76,592
Schwab Intl Small-Cap ETF COM 808524888 1,454 50,423 SH   SOLE   0 0 50,423
Schwab ST US Treasury ETF COM 808524862 1,044 20,707 SH   SOLE   0 0 20,707
Schwab Strategic Tr US Mid-Cap COM 808524508 1,222 30,506 SH   SOLE   0 0 30,506
Schwab US Dividend Equity ETF COM 808524797 1,649 42,753 SH   SOLE   0 0 42,753
Schwab US Large Cap Growth ETF COM 808524300 1,633 30,912 SH   SOLE   0 0 30,912
Schwab US Large-Cap ETF COM 808524201 1,672 34,425 SH   SOLE   0 0 34,425
SPDR S&P MidCap 400 ETF COM 78467Y107 5,618 22,116 SH   SOLE   0 0 22,116
Stryker Corp COM 863667101 251 2,705 SH   SOLE   0 0 2,705
United Technologies Corp. COM 913017109 726 7,556 SH   SOLE   0 0 7,556
Vanguard Div Appreciation COM 921908844 467 6,007 SH   SOLE   0 0 6,007
Vanguard European COM 922042874 18,653 373,958 SH   SOLE   0 0 373,958
Vanguard Financials ETF COM 92204A405 242 4,992 SH   SOLE   0 0 4,992
Vanguard Mega Cap ETF COM 921910873 10,011 143,504 SH   SOLE   0 0 143,504
Vanguard Mega Cap Value ETF COM 921910840 14,119 239,187 SH   SOLE   0 0 239,187
Vanguard Mid Cap Value ETF COM 922908512 6,508 75,723 SH   SOLE   0 0 75,723
Vanguard Pacific Stock ETF COM 922042866 4,253 75,049 SH   SOLE   0 0 75,049
Vanguard S&P 500 Index ETF COM 922908363 3,773 20,185 SH   SOLE   0 0 20,185
Vanguard Short Term Corp Bond COM 92206C409 3,541 44,831 SH   SOLE   0 0 44,831
Vanguard Total International S COM 921909768 16,415 363,890 SH   SOLE   0 0 363,890
Vanguard Total Stock Market ET COM 922908769 264 2,527 SH   SOLE   0 0 2,527
Verizon Communications COM 92343V104 550 11,900 SH   SOLE   0 0 11,900
Walgreens Boots Alliance Inc COM 931427108 219 2,574 SH   SOLE   0 0 2,574
Walt Disney Co COM 254687106 288 2,744 SH   SOLE   0 0 2,744
WT Intl. Small Cap Dividend ET COM 97717W760 5,436 93,567 SH   SOLE   0 0 93,567
Xilinx Inc COM 983919101 291 6,190 SH   SOLE   0 0 6,190