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 Common 88579y101 11 56 SH   SOLE   0 0 56
AbbVie Common 00287y109 70 758 SH   SOLE   0 0 758
Adobe Systems Common 00724f101 1 6 SH   SOLE   0 0 6
Agilent Technologies Common 00846u101 1 15 SH   SOLE   0 0 15
Alibaba Common 01609w102 101 735 SH   SOLE   0 0 735
Allstate Common 020002101 38 458 SH   SOLE   0 0 458
Alphabet Common 02079k107 54 52 SH   SOLE   0 0 52
Alphabet Common 02079k305 137 131 SH   SOLE   0 0 131
Altria Group Common 02209s103 26 535 SH   SOLE   0 0 535
Amazon.com Common 023135106 69 46 SH   SOLE   0 0 46
American Airlines Common 02376r102 6 193 SH   SOLE   0 0 193
American Electric Power Common 025537101 6 84 SH   SOLE   0 0 84
American Express Common 025816109 10 100 SH   SOLE   0 0 100
American Tower Common 03027x100 2 15 SH   SOLE   0 0 15
Amgen Common 031162100 3 16 SH   SOLE   0 0 16
AON PLC Common g0408v102 2 15 SH   SOLE   0 0 15
Apple Common 037833100 89 563 SH   SOLE   0 0 563
Applied Materials Common 038222105 1 25 SH   SOLE   0 0 25
Auto Data Processing Common 053015103 8 60 SH   SOLE   0 0 60
Bank of America Common 060505104 2 100 SH   SOLE   0 0 100
BlackRock Common 09247x101 6 15 SH   SOLE   0 0 15
Boeing Common 097023105 96 297 SH   SOLE   0 0 297
Booking Holdings Common 09857l108 3 2 SH   SOLE   0 0 2
Caterpillar Common 149123101 10 75 SH   SOLE   0 0 75
Cheniere Energy Common 16411r208 4 61 SH   SOLE   0 0 61
Chevron Common 166764100 321 2,953 SH   SOLE   0 0 2,953
Chubb Common h1467j104 9 67 SH   SOLE   0 0 67
Cimarex Energy Common 171798101 14 225 SH   SOLE   0 0 225
Cisco Systems Common 17275r102 13 290 SH   SOLE   0 0 290
Citigroup Common 172967424 3 62 SH   SOLE   0 0 62
CME Group Common 12572q105 11 59 SH   SOLE   0 0 59
Coca-Cola Common 191216100 389 8,205 SH   SOLE   0 0 8,205
Comcast Corp. Class A Common 20030n101 13 396 SH   SOLE   0 0 396
Consolidated Edison Common 209115104 84 1,095 SH   SOLE   0 0 1,095
Costco Common 22160k105 12 60 SH   SOLE   0 0 60
Danaher Common 235851102 2 22 SH   SOLE   0 0 22
Disney Common 254687106 109 998 SH   SOLE   0 0 998
Duke Energy Common 26441C204 10 116 SH   SOLE   0 0 116
Electronic Arts Common 285512109 1 15 SH   SOLE   0 0 15
Enterprise Products Partners Common 293792107 314 12,773 SH   SOLE   0 0 12,773
Equinix Common 29444u700 2 5 SH   SOLE   0 0 5
Estee Lauder Common 518439104 2 12 SH   SOLE   0 0 12
Eversource Energy Common 30040w108 7 115 SH   SOLE   0 0 115
Express Scripts Common 125509109 2 9 SH   SOLE   0 0 9
Exxon Mobil Common 30231g102 87 1,269 SH   SOLE   0 0 1,269
Facebook Common 30303M102 14 105 SH   SOLE   0 0 105
Fortune Brands H&S Common 34964C106 32 850 SH   SOLE   0 0 850
Frontier Communications Common 35906A306 0 10 SH   SOLE   0 0 10
Garrett Motion Common 366505105 0 9 SH   SOLE   0 0 9
General Dynamics Common 369550108 4 23 SH   SOLE   0 0 23
Gold Trust Common 26922Y105 30 240 SH   SOLE   0 0 240
Home Depot Common 437076102 15 88 SH   SOLE   0 0 88
Honeywell Common 438516106 14 107 SH   SOLE   0 0 107
ING Group Common 04930a104 1 79 SH   SOLE   0 0 79
Ingersoll-Rand Common g47791101 2 23 SH   SOLE   0 0 23
Intel Common 458140100 136 2,896 SH   SOLE   0 0 2,896
iShares Core High Dividend Common 46429b663 9 110 SH   SOLE   0 0 110
iShares Inv.-Grade Corporate Common 464287242 33 290 SH   SOLE   0 0 290
iShares KLD 400 Social Common 464288570 52 555 SH   SOLE   0 0 555
iShares Minimum Vol. USA Common 46429B697 60,961 1,163,377 SH   SOLE   0 0 1,163,377
iShares Russell 1000 Growth Common 464287614 229 1,750 SH   SOLE   0 0 1,750
iShares Select Dividend Common 464287168 96 1,075 SH   SOLE   0 0 1,075
Johnson & Johnson Common 478160104 60 466 SH   SOLE   0 0 466
JP Morgan Chase Common 46625h100 59 605 SH   SOLE   0 0 605
JPM Ultra-Short Income Common 46641Q837 31,058 619,540 SH   SOLE   0 0 619,540
Kraft Heinz Common 500754106 5 126 SH   SOLE   0 0 126
Lam Research Common 512807108 2 18 SH   SOLE   0 0 18
Lockheed Martin Common 539830109 270 1,032 SH   SOLE   0 0 1,032
Marsh & McLennan Common 571748102 8 97 SH   SOLE   0 0 97
Mastercard Common 57636q104 5 27 SH   SOLE   0 0 27
McDonald's Common 580135101 33 188 SH   SOLE   0 0 188
Merck Common 58933y105 14 177 SH   SOLE   0 0 177
MetLife Common 59156r108 2 41 SH   SOLE   0 0 41
Microsoft Common 594918104 191 1,878 SH   SOLE   0 0 1,878
Mondelez Common 609207105 31 780 SH   SOLE   0 0 780
Morgan Stanley Common 617446448 15 384 SH   SOLE   0 0 384
Netflix Common 64110l106 83 310 SH   SOLE   0 0 310
Nike Common 654106103 3 45 SH   SOLE   0 0 45
Northern Trust Common 665859104 2 23 SH   SOLE   0 0 23
Northrop Grumman Common 666807102 1 6 SH   SOLE   0 0 6
Nvidia Common 67066g104 1 7 SH   SOLE   0 0 7
Oracle Common 68389x105 34 749 SH   SOLE   0 0 749
Paypal Common 70450y103 2 19 SH   SOLE   0 0 19
Pfizer Common 717081103 12 266 SH   SOLE   0 0 266
Philips Electronics Common n6817p109 2 65 SH   SOLE   0 0 65
Phillips 66 Common 718546104 14 163 SH   SOLE   0 0 163
PNC Financial Common 693475105 20 167 SH   SOLE   0 0 167
Procter & Gamble Common 742718109 658 7,163 SH   SOLE   0 0 7,163
Prudential Financial Common 744320102 14 172 SH   SOLE   0 0 172
Raytheon Common 755111507 33 213 SH   SOLE   0 0 213
Resideo Technologies Common 76118Y104 0 17 SH   SOLE   0 0 17
Royal Dutch Shell Cl. A Common 780259206 68 1,170 SH   SOLE   0 0 1,170
Royal Dutch Shell Cl. B Common 780259107 21 344 SH   SOLE   0 0 344
Salesforce.com Common 79466l302 3 19 SH   SOLE   0 0 19
Shire Common 82481R106 57 325 SH   SOLE   0 0 325
Snap, Inc. Common 83304A106 6 1,000 SH   SOLE   0 0 1,000
Southern Common 842587107 21 485 SH   SOLE   0 0 485
Southwest Airlines Common 844741108 2 37 SH   SOLE   0 0 37
SPDR S&P 500 Common 78462f103 12 50 SH   SOLE   0 0 50
SPDR S&P 500 Growth Common 78464A409 134 4,110 SH   SOLE   0 0 4,110
Starbucks Common 855244109 580 9,000 SH   SOLE   0 0 9,000
Stryker Common 863667101 10 65 SH   SOLE   0 0 65
Sysco Common 871829107 24 385 SH   SOLE   0 0 385
Teradyne Common 880770102 1 44 SH   SOLE   0 0 44
Texas Instruments Common 882508104 10 110 SH   SOLE   0 0 110
Twenty-First Century Fox Common 90130A101 0 4 SH   SOLE   0 0 4
Union Pacific Common 907818108 2 17 SH   SOLE   0 0 17
United Healthcare Common 91324p102 3 11 SH   SOLE   0 0 11
UnumProvident Common 91529y106 1 43 SH   SOLE   0 0 43
UPS Common 911312106 218 2,236 SH   SOLE   0 0 2,236
US Bancorp Common 902973304 4 90 SH   SOLE   0 0 90
Vanguard Div. Appreciation Common 921908844 28,270 288,620 SH   SOLE   0 0 288,620
Vanguard High Dividend Common 921946406 4,949 63,453 SH   SOLE   0 0 63,453
Vanguard Int.-Term Bond Common 921937819 33 411 SH   SOLE   0 0 411
Vanguard Value Common 922908744 167 1,700 SH   SOLE   0 0 1,700
Verizon Common 92343v104 105 1,865 SH   SOLE   0 0 1,865
Visa Common 92826c839 16 124 SH   SOLE   0 0 124
Waste Management Common 94106l109 76 859 SH   SOLE   0 0 859
Wells Fargo Common 949746101 36 774 SH   SOLE   0 0 774
Xcel Energy Common 98389B100 10 202 SH   SOLE   0 0 202
Xylem Common 98419m100 2 23 SH   SOLE   0 0 23