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 83 401 SH   SOLE   0 0 401
AbbVie Common 00287y109 61 758 SH   SOLE   0 0 758
Adobe Systems Common 00724f101 2 6 SH   SOLE   0 0 6
Agilent Technologies Common 00846u101 1 15 SH   SOLE   0 0 15
Alibaba Common 01609w102 134 735 SH   SOLE   0 0 735
Allstate Common 020002101 43 458 SH   SOLE   0 0 458
Alphabet Common 02079k107 108 92 SH   SOLE   0 0 92
Alphabet Common 02079k305 154 131 SH   SOLE   0 0 131
Altria Group Common 02209s103 31 535 SH   SOLE   0 0 535
Amazon.com Common 023135106 132 74 SH   SOLE   0 0 74
American Airlines Common 02376r102 6 193 SH   SOLE   0 0 193
American Electric Power Common 025537101 7 84 SH   SOLE   0 0 84
American Express Common 025816109 11 100 SH   SOLE   0 0 100
American Tower Common 03027x100 3 15 SH   SOLE   0 0 15
Amgen Common 031162100 51 266 SH   SOLE   0 0 266
AON PLC Common g0408v102 3 15 SH   SOLE   0 0 15
Apple Common 037833100 220 1,159 SH   SOLE   0 0 1,159
Applied Materials Common 038222105 1 25 SH   SOLE   0 0 25
AT&T Common 00206r102 53 1,675 SH   SOLE   0 0 1,675
Auto Data Processing Common 053015103 10 60 SH   SOLE   0 0 60
Bank of America Common 060505104 3 100 SH   SOLE   0 0 100
BlackRock Common 09247x101 6 15 SH   SOLE   0 0 15
Boeing Common 097023105 104 272 SH   SOLE   0 0 272
Booking Holdings Common 09857l108 3 2 SH   SOLE   0 0 2
Caterpillar Common 149123101 87 645 SH   SOLE   0 0 645
Cheniere Energy Common 16411r208 4 61 SH   SOLE   0 0 61
Chevron Common 166764100 311 2,528 SH   SOLE   0 0 2,528
Chubb Common h1467j104 9 67 SH   SOLE   0 0 67
Cimarex Energy Common 171798101 16 225 SH   SOLE   0 0 225
Cisco Systems Common 17275r102 16 290 SH   SOLE   0 0 290
Citigroup Common 172967424 4 62 SH   SOLE   0 0 62
CME Group Common 12572q105 10 59 SH   SOLE   0 0 59
Coca-Cola Common 191216100 452 9,645 SH   SOLE   0 0 9,645
Comcast Corp. Class A Common 20030n101 16 396 SH   SOLE   0 0 396
Consolidated Edison Common 209115104 93 1,095 SH   SOLE   0 0 1,095
Costco Common 22160k105 15 60 SH   SOLE   0 0 60
Danaher Common 235851102 3 22 SH   SOLE   0 0 22
Direxion Small-Cap Bull 3x Common 25459W847 9 150 SH   SOLE   0 0 150
Disney Common 254687106 165 1,483 SH   SOLE   0 0 1,483
Duke Energy Common 26441C204 10 116 SH   SOLE   0 0 116
Electronic Arts Common 285512109 2 15 SH   SOLE   0 0 15
Enterprise Products Partners Common 293792107 372 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 8 115 SH   SOLE   0 0 115
Express Scripts Common 125509109 1 9 SH   SOLE   0 0 9
Exxon Mobil Common 30231g102 76 945 SH   SOLE   0 0 945
Facebook Common 30303M102 18 105 SH   SOLE   0 0 105
FedEx Common 31428X106 47 260 SH   SOLE   0 0 260
Fortune Brands H&S Common 34964C106 40 850 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
Goldman Sachs Common 38141G104 48 248 SH   SOLE   0 0 248
Home Depot Common 437076102 104 543 SH   SOLE   0 0 543
Honeywell Common 438516106 17 107 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 156 2,896 SH   SOLE   0 0 2,896
Invesco S&P 500 Low Vol. Common 46138E354 474 9,005 SH   SOLE   0 0 9,005
iShares Core Conservative Common 464289883 9,515 275,635 SH   SOLE   0 0 275,635
iShares Core Div. Growth Common 46434V621 8,059 219,297 SH   SOLE   0 0 219,297
iShares Core High Dividend Common 46429b663 30 322 SH   SOLE   0 0 322
iShares Inv.-Grade Corporate Common 464287242 30 248 SH   SOLE   0 0 248
iShares KLD 400 Social Common 464288570 59 555 SH   SOLE   0 0 555
iShares Minimum Vol. USA Common 46429B697 86,256 1,466,931 SH   SOLE   0 0 1,466,931
iShares Russell 1000 Growth Common 464287614 265 1,750 SH   SOLE   0 0 1,750
iShares Select Dividend Common 464287168 106 1,075 SH   SOLE   0 0 1,075
Johnson & Johnson Common 478160104 146 1,046 SH   SOLE   0 0 1,046
JP Morgan Chase Common 46625h100 61 605 SH   SOLE   0 0 605
Kraft Heinz Common 500754106 4 126 SH   SOLE   0 0 126
Lam Research Common 512807108 3 18 SH   SOLE   0 0 18
Lockheed Martin Common 539830109 262 872 SH   SOLE   0 0 872
Marsh & McLennan Common 571748102 9 97 SH   SOLE   0 0 97
Mastercard Common 57636q104 6 27 SH   SOLE   0 0 27
McDonald's Common 580135101 36 188 SH   SOLE   0 0 188
Medtronic Common G5960L103 48 525 SH   SOLE   0 0 525
Merck Common 58933y105 15 177 SH   SOLE   0 0 177
MetLife Common 59156r108 2 41 SH   SOLE   0 0 41
Microsoft Common 594918104 280 2,373 SH   SOLE   0 0 2,373
Mondelez Common 609207105 39 780 SH   SOLE   0 0 780
Morgan Stanley Common 617446448 16 384 SH   SOLE   0 0 384
Netflix Common 64110l106 111 310 SH   SOLE   0 0 310
Nike Common 654106103 4 45 SH   SOLE   0 0 45
Northern Trust Common 665859104 2 23 SH   SOLE   0 0 23
Northrop Grumman Common 666807102 2 6 SH   SOLE   0 0 6
Nvidia Common 67066g104 1 7 SH   SOLE   0 0 7
Oracle Common 68389x105 40 749 SH   SOLE   0 0 749
Paypal Common 70450y103 2 19 SH   SOLE   0 0 19
PepsiCo Common 713448108 52 425 SH   SOLE   0 0 425
Pfizer Common 717081103 11 266 SH   SOLE   0 0 266
Philips Electronics Common n6817p109 3 65 SH   SOLE   0 0 65
Phillips 66 Common 718546104 16 163 SH   SOLE   0 0 163
PNC Financial Common 693475105 20 167 SH   SOLE   0 0 167
Procter & Gamble Common 742718109 694 6,670 SH   SOLE   0 0 6,670
ProShares Ultra Long QQQ 3x Common 74347X831 1,147 20,250 SH   SOLE   0 0 20,250
Prudential Financial Common 744320102 16 172 SH   SOLE   0 0 172
Public Storage Common 74460D109 49 225 SH   SOLE   0 0 225
Raytheon Common 755111507 141 773 SH   SOLE   0 0 773
Resideo Technologies Common 76118Y104 0 17 SH   SOLE   0 0 17
Royal Dutch Shell Cl. A Common 780259206 73 1,170 SH   SOLE   0 0 1,170
Royal Dutch Shell Cl. B Common 780259107 22 344 SH   SOLE   0 0 344
Salesforce.com Common 79466l302 3 19 SH   SOLE   0 0 19
Snap, Inc. Common 83304A106 11 1,000 SH   SOLE   0 0 1,000
Southern Common 842587107 25 485 SH   SOLE   0 0 485
Southwest Airlines Common 844741108 2 37 SH   SOLE   0 0 37
SPDR S&P 500 Common 78462f103 14 50 SH   SOLE   0 0 50
SPDR Total Stock Market Common 78464A805 5 129 SH   SOLE   0 0 129
Starbucks Common 855244109 669 9,000 SH   SOLE   0 0 9,000
Stryker Common 863667101 13 65 SH   SOLE   0 0 65
Sysco Common 871829107 26 385 SH   SOLE   0 0 385
Takeda Pharmaceutical Common 874060205 33 1,636 SH   SOLE   0 0 1,636
Teradyne Common 880770102 2 44 SH   SOLE   0 0 44
Texas Instruments Common 882508104 12 110 SH   SOLE   0 0 110
Twenty-First Century Fox Common 90130A101 0 1 SH   SOLE   0 0 1
Union Pacific Common 907818108 3 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 328 2,931 SH   SOLE   0 0 2,931
US Bancorp Common 902973304 4 90 SH   SOLE   0 0 90
Vanguard Div. Appreciation Common 921908844 36,466 332,598 SH   SOLE   0 0 332,598
Vanguard High Dividend Common 921946406 5,435 63,453 SH   SOLE   0 0 63,453
Vanguard Int.-Term Bond Common 921937819 30 352 SH   SOLE   0 0 352
Vanguard Value Common 922908744 183 1,700 SH   SOLE   0 0 1,700
Verizon Common 92343v104 110 1,865 SH   SOLE   0 0 1,865
Visa Common 92826c839 19 124 SH   SOLE   0 0 124
Waste Management Common 94106l109 89 859 SH   SOLE   0 0 859
Wells Fargo Common 949746101 37 774 SH   SOLE   0 0 774
Xcel Energy Common 98389B100 11 202 SH   SOLE   0 0 202
Xylem Common 98419m100 2 23 SH   SOLE   0 0 23