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		<cusip>02376r102</cusip>
		<value>6</value>
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		<nameOfIssuer>Auto Data Processing</nameOfIssuer>
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		<cusip>053015103</cusip>
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		<votingAuthority>
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			<Shared>0</Shared>
			<None>302</None>
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		<votingAuthority>
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			<None>415</None>
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			<Shared>0</Shared>
			<None>2528</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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		<votingAuthority>
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			<None>290</None>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<None>10265</None>
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		<nameOfIssuer>Comcast Corp. Class A </nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>396</None>
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		<nameOfIssuer>Consolidated Edison </nameOfIssuer>
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			<None>22</None>
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		<nameOfIssuer>Direxion Semi-Cond. 3x Bull </nameOfIssuer>
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		<investmentDiscretion>SOLE</investmentDiscretion>
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			<Shared>0</Shared>
			<None>10100</None>
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		<value>207</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1483</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1483</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Duke Energy </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>26441C204</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>116</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>116</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Electronic Arts </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>285512109</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>15</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>15</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Enterprise Products Partners</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>293792107</cusip>
		<value>369</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12773</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12773</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Equinix </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>29444u700</cusip>
		<value>3</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Estee Lauder</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>518439104</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Eversource Energy </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>30040w108</cusip>
		<value>9</value>
		<shrsOrPrnAmt>
			<sshPrnamt>115</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>115</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Express Scripts </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>125509109</cusip>
		<value>1</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Exxon Mobil </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>30231g102</cusip>
		<value>72</value>
		<shrsOrPrnAmt>
			<sshPrnamt>945</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>945</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Facebook</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>30303M102</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>105</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>105</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>FedEx </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>31428X106</cusip>
		<value>21</value>
		<shrsOrPrnAmt>
			<sshPrnamt>125</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>125</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Fortune Brands H&amp;S</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>34964C106</cusip>
		<value>49</value>
		<shrsOrPrnAmt>
			<sshPrnamt>850</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>850</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Frontier Communications </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>35906A306</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Garrett Motion</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>366505105</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>General Dynamics</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>369550108</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>23</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Gold Trust</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>26922Y105</cusip>
		<value>33</value>
		<shrsOrPrnAmt>
			<sshPrnamt>240</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>240</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Goldman Sachs </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>38141G104</cusip>
		<value>51</value>
		<shrsOrPrnAmt>
			<sshPrnamt>248</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>248</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Home Depot</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>437076102</cusip>
		<value>113</value>
		<shrsOrPrnAmt>
			<sshPrnamt>543</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>543</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Honeywell </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>438516106</cusip>
		<value>19</value>
		<shrsOrPrnAmt>
			<sshPrnamt>107</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>107</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>ING Group </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>04930a104</cusip>
		<value>1</value>
		<shrsOrPrnAmt>
			<sshPrnamt>79</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>79</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Ingersoll-Rand</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>g47791101</cusip>
		<value>3</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>23</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Intel </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>458140100</cusip>
		<value>139</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2896</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2896</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Invesco S&amp;P 500 Low Vol.</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46138E354</cusip>
		<value>707</value>
		<shrsOrPrnAmt>
			<sshPrnamt>12845</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>12845</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Core Conservative </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>464289883</cusip>
		<value>9114</value>
		<shrsOrPrnAmt>
			<sshPrnamt>257524</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>257524</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Core Div. Growth</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46434V621</cusip>
		<value>8095</value>
		<shrsOrPrnAmt>
			<sshPrnamt>211900</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>211900</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Core High Dividend</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46429b663</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>110</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>110</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Inv.-Grade Corporate</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>464287242</cusip>
		<value>31</value>
		<shrsOrPrnAmt>
			<sshPrnamt>248</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>248</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares KLD 400 Social</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>464288570</cusip>
		<value>61</value>
		<shrsOrPrnAmt>
			<sshPrnamt>555</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>555</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Minimum Vol. USA</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46429B697</cusip>
		<value>89405</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1448316</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1448316</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Russell 1000 Growth </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>464287614</cusip>
		<value>275</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1750</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1750</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares Select Dividend </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>464287168</cusip>
		<value>107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1075</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1075</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>iShares U.S. Real Estate</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>464287739</cusip>
		<value>303</value>
		<shrsOrPrnAmt>
			<sshPrnamt>3465</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>3465</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Johnson &amp; Johnson </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>478160104</cusip>
		<value>171</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1226</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1226</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>JP Morgan Chase </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>46625h100</cusip>
		<value>68</value>
		<shrsOrPrnAmt>
			<sshPrnamt>605</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>605</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Kraft Heinz </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>500754106</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>126</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>126</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Lam Research</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>512807108</cusip>
		<value>3</value>
		<shrsOrPrnAmt>
			<sshPrnamt>18</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>18</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Lockheed Martin </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>539830109</cusip>
		<value>317</value>
		<shrsOrPrnAmt>
			<sshPrnamt>872</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>872</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Marsh &amp; McLennan</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>571748102</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>97</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>97</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Mastercard</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>57636q104</cusip>
		<value>7</value>
		<shrsOrPrnAmt>
			<sshPrnamt>27</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>27</None>
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		<nameOfIssuer>McDonald's</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>580135101</cusip>
		<value>39</value>
		<shrsOrPrnAmt>
			<sshPrnamt>188</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>188</None>
		</votingAuthority>
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		<nameOfIssuer>Medtronic </nameOfIssuer>
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		<cusip>G5960L103</cusip>
		<value>24</value>
		<shrsOrPrnAmt>
			<sshPrnamt>250</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>250</None>
		</votingAuthority>
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		<nameOfIssuer>Merck </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>58933y105</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>177</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>177</None>
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		<nameOfIssuer>MetLife </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>59156r108</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>41</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>41</None>
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		<nameOfIssuer>Microsoft </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>594918104</cusip>
		<value>318</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2373</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2373</None>
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		<nameOfIssuer>Mondelez</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>609207105</cusip>
		<value>42</value>
		<shrsOrPrnAmt>
			<sshPrnamt>780</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>780</None>
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		<nameOfIssuer>Morgan Stanley</nameOfIssuer>
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		<cusip>617446448</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>384</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>384</None>
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		<nameOfIssuer>Netflix </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>64110l106</cusip>
		<value>114</value>
		<shrsOrPrnAmt>
			<sshPrnamt>310</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>310</None>
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		<nameOfIssuer>Nike</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>654106103</cusip>
		<value>4</value>
		<shrsOrPrnAmt>
			<sshPrnamt>45</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>45</None>
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		<nameOfIssuer>Northern Trust</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>665859104</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>23</None>
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		<nameOfIssuer>Northrop Grumman</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>666807102</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6</None>
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		<nameOfIssuer>Nvidia</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>67066g104</cusip>
		<value>1</value>
		<shrsOrPrnAmt>
			<sshPrnamt>7</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>7</None>
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		<nameOfIssuer>Oracle</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>68389x105</cusip>
		<value>43</value>
		<shrsOrPrnAmt>
			<sshPrnamt>749</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>749</None>
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		<nameOfIssuer>Paypal</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>70450y103</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>19</None>
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		<nameOfIssuer>PepsiCo </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>713448108</cusip>
		<value>66</value>
		<shrsOrPrnAmt>
			<sshPrnamt>505</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>505</None>
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		<nameOfIssuer>Pfizer</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>717081103</cusip>
		<value>12</value>
		<shrsOrPrnAmt>
			<sshPrnamt>266</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>266</None>
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		<nameOfIssuer>Philips Electronics </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>n6817p109</cusip>
		<value>3</value>
		<shrsOrPrnAmt>
			<sshPrnamt>65</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>65</None>
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		<nameOfIssuer>Phillips 66 </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>718546104</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>163</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>163</None>
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		<nameOfIssuer>PNC Financial </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>693475105</cusip>
		<value>23</value>
		<shrsOrPrnAmt>
			<sshPrnamt>167</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>167</None>
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		<nameOfIssuer>Procter &amp; Gamble</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>742718109</cusip>
		<value>732</value>
		<shrsOrPrnAmt>
			<sshPrnamt>6677</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>6677</None>
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		<nameOfIssuer>Prudential Financial</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>744320102</cusip>
		<value>17</value>
		<shrsOrPrnAmt>
			<sshPrnamt>172</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>172</None>
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		<nameOfIssuer>Public Storage</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>74460D109</cusip>
		<value>71</value>
		<shrsOrPrnAmt>
			<sshPrnamt>300</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>300</None>
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		<nameOfIssuer>Raytheon</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>755111507</cusip>
		<value>148</value>
		<shrsOrPrnAmt>
			<sshPrnamt>853</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>853</None>
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		<nameOfIssuer>Resideo Technologies</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>76118Y104</cusip>
		<value>0</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>17</None>
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	<infoTable>
		<nameOfIssuer>Royal Dutch Shell Cl. A </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>780259206</cusip>
		<value>76</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1170</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1170</None>
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	<infoTable>
		<nameOfIssuer>Royal Dutch Shell Cl. B </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>780259107</cusip>
		<value>23</value>
		<shrsOrPrnAmt>
			<sshPrnamt>344</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>344</None>
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		<nameOfIssuer>Salesforce.com</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>79466l302</cusip>
		<value>3</value>
		<shrsOrPrnAmt>
			<sshPrnamt>19</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>19</None>
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	<infoTable>
		<nameOfIssuer>Schwab US REIT</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>808524847</cusip>
		<value>461</value>
		<shrsOrPrnAmt>
			<sshPrnamt>10375</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>10375</None>
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	<infoTable>
		<nameOfIssuer>Snap, Inc.</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>83304A106</cusip>
		<value>14</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1000</None>
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	<infoTable>
		<nameOfIssuer>Southern</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>842587107</cusip>
		<value>27</value>
		<shrsOrPrnAmt>
			<sshPrnamt>485</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>485</None>
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		<nameOfIssuer>Southwest Airlines</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>844741108</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>37</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>37</None>
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	<infoTable>
		<nameOfIssuer>SPDR S&amp;P 500</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>78462f103</cusip>
		<value>15</value>
		<shrsOrPrnAmt>
			<sshPrnamt>50</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>50</None>
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	<infoTable>
		<nameOfIssuer>SPDR S&amp;P 500 Value</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>78464A508</cusip>
		<value>10</value>
		<shrsOrPrnAmt>
			<sshPrnamt>325</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
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			<Shared>0</Shared>
			<None>325</None>
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	<infoTable>
		<nameOfIssuer>SPDR Total Stock Market </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>78464A805</cusip>
		<value>8</value>
		<shrsOrPrnAmt>
			<sshPrnamt>211</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>211</None>
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	<infoTable>
		<nameOfIssuer>Starbucks </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>855244109</cusip>
		<value>754</value>
		<shrsOrPrnAmt>
			<sshPrnamt>9000</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>9000</None>
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	<infoTable>
		<nameOfIssuer>Stryker </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>863667101</cusip>
		<value>13</value>
		<shrsOrPrnAmt>
			<sshPrnamt>65</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>65</None>
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	<infoTable>
		<nameOfIssuer>Sysco </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>871829107</cusip>
		<value>27</value>
		<shrsOrPrnAmt>
			<sshPrnamt>385</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>385</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Teradyne</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>880770102</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>44</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>44</None>
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	<infoTable>
		<nameOfIssuer>Texas Instruments </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>882508104</cusip>
		<value>13</value>
		<shrsOrPrnAmt>
			<sshPrnamt>110</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
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		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>110</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Uber Technologies </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>90353T100</cusip>
		<value>11</value>
		<shrsOrPrnAmt>
			<sshPrnamt>230</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>230</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>Union Pacific </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>907818108</cusip>
		<value>3</value>
		<shrsOrPrnAmt>
			<sshPrnamt>17</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>17</None>
		</votingAuthority>
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	<infoTable>
		<nameOfIssuer>United Healthcare </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>91324p102</cusip>
		<value>3</value>
		<shrsOrPrnAmt>
			<sshPrnamt>11</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>11</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UnumProvident </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>91529y106</cusip>
		<value>1</value>
		<shrsOrPrnAmt>
			<sshPrnamt>43</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>43</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>UPS </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>911312106</cusip>
		<value>297</value>
		<shrsOrPrnAmt>
			<sshPrnamt>2876</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>2876</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>US Bancorp</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>902973304</cusip>
		<value>5</value>
		<shrsOrPrnAmt>
			<sshPrnamt>90</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>90</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Div. Appreciation</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>921908844</cusip>
		<value>38006</value>
		<shrsOrPrnAmt>
			<sshPrnamt>330025</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>330025</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard High Dividend</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>921946406</cusip>
		<value>5475</value>
		<shrsOrPrnAmt>
			<sshPrnamt>62661</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>62661</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Int.-Term Bond </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>921937819</cusip>
		<value>20</value>
		<shrsOrPrnAmt>
			<sshPrnamt>232</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>232</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Real Estate</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922908553</cusip>
		<value>450</value>
		<shrsOrPrnAmt>
			<sshPrnamt>5150</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>5150</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Vanguard Value</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>922908744</cusip>
		<value>189</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1700</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1700</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Verizon </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>92343v104</cusip>
		<value>107</value>
		<shrsOrPrnAmt>
			<sshPrnamt>1865</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>1865</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Visa</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>92826c839</cusip>
		<value>22</value>
		<shrsOrPrnAmt>
			<sshPrnamt>124</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>124</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Waste Management</nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>94106l109</cusip>
		<value>99</value>
		<shrsOrPrnAmt>
			<sshPrnamt>859</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>859</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Wells Fargo </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>949746101</cusip>
		<value>37</value>
		<shrsOrPrnAmt>
			<sshPrnamt>774</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>774</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Xcel Energy </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>98389B100</cusip>
		<value>12</value>
		<shrsOrPrnAmt>
			<sshPrnamt>202</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>202</None>
		</votingAuthority>
	</infoTable>
	<infoTable>
		<nameOfIssuer>Xylem </nameOfIssuer>
		<titleOfClass>Common</titleOfClass>
		<cusip>98419m100</cusip>
		<value>2</value>
		<shrsOrPrnAmt>
			<sshPrnamt>23</sshPrnamt>
			<sshPrnamtType>SH</sshPrnamtType>
		</shrsOrPrnAmt>
		<investmentDiscretion>SOLE</investmentDiscretion>
		<votingAuthority>
			<Sole>0</Sole>
			<Shared>0</Shared>
			<None>23</None>
		</votingAuthority>
	</infoTable>
</informationTable>
