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 46 281 SH   SOLE   0 0 281
AbbVie Common 00287y109 57 758 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 123 735 SH   SOLE   0 0 735
Allstate Common 020002101 50 458 SH   SOLE   0 0 458
Alphabet Common 02079k107 112 92 SH   SOLE   0 0 92
Alphabet Common 02079k305 160 131 SH   SOLE   0 0 131
Altria Group Common 02209s103 22 535 SH   SOLE   0 0 535
Amazon.com Common 023135106 128 74 SH   SOLE   0 0 74
American Airlines Common 02376r102 5 193 SH   SOLE   0 0 193
American Electric Power Common 025537101 8 84 SH   SOLE   0 0 84
American Express Common 025816109 12 100 SH   SOLE   0 0 100
American Tower Common 03027x100 3 15 SH   SOLE   0 0 15
Amgen Common 031162100 26 136 SH   SOLE   0 0 136
AON PLC Common g0408v102 3 15 SH   SOLE   0 0 15
Apple Common 037833100 297 1,324 SH   SOLE   0 0 1,324
Applied Materials Common 038222105 1 25 SH   SOLE   0 0 25
AT&T Common 00206r102 63 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 7 15 SH   SOLE   0 0 15
Boeing Common 097023105 115 302 SH   SOLE   0 0 302
Booking Holdings Common 09857l108 4 2 SH   SOLE   0 0 2
Caterpillar Common 149123101 52 415 SH   SOLE   0 0 415
Cheniere Energy Common 16411r208 4 61 SH   SOLE   0 0 61
Chevron Common 166764100 300 2,528 SH   SOLE   0 0 2,528
Chubb Common h1467j104 11 67 SH   SOLE   0 0 67
Cimarex Energy Common 171798101 11 225 SH   SOLE   0 0 225
Cisco Systems Common 17275r102 14 290 SH   SOLE   0 0 290
Citigroup Common 172967424 4 62 SH   SOLE   0 0 62
CME Group Common 12572q105 12 59 SH   SOLE   0 0 59
Coca-Cola Common 191216100 559 10,265 SH   SOLE   0 0 10,265
Comcast Corp. Class A Common 20030n101 18 396 SH   SOLE   0 0 396
Consolidated Edison Common 209115104 103 1,095 SH   SOLE   0 0 1,095
Costco Common 22160k105 17 60 SH   SOLE   0 0 60
Danaher Common 235851102 3 22 SH   SOLE   0 0 22
Disney Common 254687106 193 1,483 SH   SOLE   0 0 1,483
Duke Energy Common 26441C204 11 116 SH   SOLE   0 0 116
Electronic Arts Common 285512109 1 15 SH   SOLE   0 0 15
Enterprise Products Partners Common 293792107 365 12,773 SH   SOLE   0 0 12,773
Equinix Common 29444u700 3 5 SH   SOLE   0 0 5
Estee Lauder Common 518439104 2 12 SH   SOLE   0 0 12
Eversource Energy Common 30040w108 10 115 SH   SOLE   0 0 115
Express Scripts Common 125509109 1 9 SH   SOLE   0 0 9
Exxon Mobil Common 30231g102 67 945 SH   SOLE   0 0 945
Facebook Common 30303M102 19 105 SH   SOLE   0 0 105
FedEx Common 31428X106 18 125 SH   SOLE   0 0 125
Fortune Brands H&S Common 34964C106 46 850 SH   SOLE   0 0 850
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 34 240 SH   SOLE   0 0 240
Goldman Sachs Common 38141G104 51 248 SH   SOLE   0 0 248
Home Depot Common 437076102 126 543 SH   SOLE   0 0 543
Honeywell Common 438516106 18 107 SH   SOLE   0 0 107
ING Group Common 04930a104 1 79 SH   SOLE   0 0 79
Ingersoll-Rand Common g47791101 3 23 SH   SOLE   0 0 23
Intel Common 458140100 149 2,896 SH   SOLE   0 0 2,896
iShares Core Conservative Common 464289883 8,870 248,746 SH   SOLE   0 0 248,746
iShares Core High Dividend Common 46429b663 10 110 SH   SOLE   0 0 110
iShares Edge Min Vol USA Common 46429B697 128,920 2,011,232 SH   SOLE   0 0 2,011,232
iShares Inv.-Grade Corporate Common 464287242 32 248 SH   SOLE   0 0 248
iShares KLD 400 Social Common 464288570 62 555 SH   SOLE   0 0 555
iShares Russell 1000 Growth Common 464287614 279 1,750 SH   SOLE   0 0 1,750
iShares Select Dividend Common 464287168 110 1,075 SH   SOLE   0 0 1,075
iShares U.S. Real Estate Common 464287739 324 3,465 SH   SOLE   0 0 3,465
Johnson & Johnson Common 478160104 159 1,226 SH   SOLE   0 0 1,226
JP Morgan Chase Common 46625h100 71 605 SH   SOLE   0 0 605
Kraft Heinz Common 500754106 4 126 SH   SOLE   0 0 126
Lam Research Common 512807108 4 18 SH   SOLE   0 0 18
Levi Strauss Common 52736R102 6 300 SH   SOLE   0 0 300
Lockheed Martin Common 539830109 340 872 SH   SOLE   0 0 872
Marsh & McLennan Common 571748102 10 97 SH   SOLE   0 0 97
Mastercard Common 57636q104 7 27 SH   SOLE   0 0 27
McDonald's Common 580135101 40 188 SH   SOLE   0 0 188
Medtronic Common G5960L103 27 250 SH   SOLE   0 0 250
Merck Common 58933y105 15 177 SH   SOLE   0 0 177
MetLife Common 59156r108 2 41 SH   SOLE   0 0 41
Microsoft Common 594918104 330 2,373 SH   SOLE   0 0 2,373
Mondelez Common 609207105 43 780 SH   SOLE   0 0 780
Morgan Stanley Common 617446448 16 384 SH   SOLE   0 0 384
Netflix Common 64110l106 83 310 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 41 749 SH   SOLE   0 0 749
Paypal Common 70450y103 2 19 SH   SOLE   0 0 19
PepsiCo Common 713448108 69 505 SH   SOLE   0 0 505
Pfizer Common 717081103 10 266 SH   SOLE   0 0 266
Philips Electronics Common n6817p109 3 65 SH   SOLE   0 0 65
Phillips 66 Common 718546104 17 163 SH   SOLE   0 0 163
PNC Financial Common 693475105 23 167 SH   SOLE   0 0 167
Procter & Gamble Common 742718109 831 6,683 SH   SOLE   0 0 6,683
Prudential Financial Common 744320102 15 172 SH   SOLE   0 0 172
Public Storage Common 74460D109 74 300 SH   SOLE   0 0 300
Raytheon Common 755111507 167 853 SH   SOLE   0 0 853
Resideo Technologies Common 76118Y104 0 17 SH   SOLE   0 0 17
Royal Dutch Shell Cl. A Common 780259206 69 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
Schwab US REIT Common 808524847 489 10,375 SH   SOLE   0 0 10,375
Snap, Inc. Common 83304A106 16 1,000 SH   SOLE   0 0 1,000
Southern Common 842587107 30 485 SH   SOLE   0 0 485
Southwest Airlines Common 844741108 2 37 SH   SOLE   0 0 37
SPDR Aggregate Bond Common 78464A649 54 1,830 SH   SOLE   0 0 1,830
SPDR S&P 500 Common 78462f103 15 50 SH   SOLE   0 0 50
SPDR Total Stock Market Common 78464A805 11 311 SH   SOLE   0 0 311
Starbucks Common 855244109 796 9,000 SH   SOLE   0 0 9,000
Stryker Common 863667101 14 65 SH   SOLE   0 0 65
Sysco Common 871829107 31 385 SH   SOLE   0 0 385
Teradyne Common 880770102 3 44 SH   SOLE   0 0 44
Texas Instruments Common 882508104 14 110 SH   SOLE   0 0 110
Uber Technologies Common 90353T100 7 230 SH   SOLE   0 0 230
Union Pacific Common 907818108 3 17 SH   SOLE   0 0 17
United Healthcare Common 91324p102 2 11 SH   SOLE   0 0 11
UnumProvident Common 91529y106 1 43 SH   SOLE   0 0 43
UPS Common 911312106 345 2,876 SH   SOLE   0 0 2,876
US Bancorp Common 902973304 5 90 SH   SOLE   0 0 90
Vanguard Div Appreciation Common 921908844 13,411 112,148 SH   SOLE   0 0 112,148
Vanguard High Dividend Common 921946406 5,560 62,661 SH   SOLE   0 0 62,661
Vanguard Int.-Term Bond Common 921937819 20 232 SH   SOLE   0 0 232
Vanguard Real Estate Common 922908553 480 5,150 SH   SOLE   0 0 5,150
Vanguard Value Common 922908744 190 1,700 SH   SOLE   0 0 1,700
Verizon Common 92343v104 113 1,865 SH   SOLE   0 0 1,865
Visa Common 92826c839 21 124 SH   SOLE   0 0 124
Waste Management Common 94106l109 99 859 SH   SOLE   0 0 859
Wells Fargo Common 949746101 39 774 SH   SOLE   0 0 774
Xcel Energy Common 98389B100 13 202 SH   SOLE   0 0 202
Xylem Common 98419m100 2 23 SH   SOLE   0 0 23