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
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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
Berkshire Hathaway Cl B Class B 084670207 18,005 100,865 SH   SOLE   17,988 0 82,877
Apple Inc. COM 037833100 17,180 47,095 SH   SOLE   38,173 0 8,922
Vanguard Small Cap COM 922908751 15,481 106,240 SH   SOLE   513 0 105,727
Vanguard Div Apprciation COM 921908844 15,457 131,904 SH   SOLE   5,231 0 126,673
iShares Barclays Aggregate Bon COM 464287226 14,877 125,849 SH   SOLE   4,817 0 121,032
Vanguard Growth ETF COM 922908736 14,053 69,540 SH   SOLE   559 0 68,981
iShares Russell 1000 Growth In COM 464287614 13,874 72,280 SH   SOLE   156 0 72,124
US Div Equity Schwab ETF COM 808524797 12,479 241,131 SH   SOLE   28,458 0 212,673
iShares Barclays 1-3 Yr Treasu COM 464287457 11,855 136,873 SH   SOLE   11,247 0 125,626
Microsoft Corp. COM 594918104 11,229 55,177 SH   SOLE   43,496 0 11,681
iShares Russell Midcap Growth COM 464287481 10,328 65,318 SH   SOLE   174 0 65,144
Spdr S&P Dividend Etf COM 78464A763 10,213 111,988 SH   SOLE   0 0 111,988
Vanguard Mid Cap COM 922908629 10,048 61,301 SH   SOLE   835 0 60,466
Thermo Fisher Scientific COM 883556102 9,943 27,442 SH   SOLE   23,977 0 3,465
Accenture COM G1151C101 9,143 42,579 SH   SOLE   33,754 0 8,825
Amgen COM 031162100 8,357 35,431 SH   SOLE   27,364 0 8,067
JP Morgan Ultra Short Income E COM 46641Q837 7,763 153,024 SH   SOLE   126,564 0 26,460
Blackrock Inc. COM 09247X101 7,576 13,924 SH   SOLE   11,101 0 2,823
Vanguard Europe Pac ETF COM 921943858 7,557 194,829 SH   SOLE   2,081 0 192,748
Vanguard REIT COM 922908553 7,426 94,568 SH   SOLE   2,941 0 91,627
Walt Disney Co. COM 254687106 7,341 65,833 SH   SOLE   50,486 0 15,347
Illinois Tool Works Inc COM 452308109 6,891 39,411 SH   SOLE   30,736 0 8,675
Vanguard Tax Ex Bond Index COM 922907746 6,510 120,240 SH   SOLE   0 0 120,240
Vanguard Value ETF COM 922908744 6,234 62,598 SH   SOLE   3,068 0 59,530
Mastercard COM 57636Q104 6,136 20,750 SH   SOLE   18,140 0 2,610
1/100 Berkshire Htwy Cla COM 084990175 5,881 2,200 SH   SOLE   0 0 2,200
Procter & Gamble COM 742718109 5,379 44,989 SH   SOLE   33,664 0 11,325
Johnson & Johnson COM 478160104 5,167 36,743 SH   SOLE   26,808 0 9,935
Church & Dwight Co Inc COM 171340102 5,047 65,297 SH   SOLE   46,797 0 18,500
iShares MSCI EAFE COM 464287465 4,903 80,555 SH   SOLE   760 0 79,795
Alphabet Inc A Class A 02079K305 4,891 3,449 SH   SOLE   2,931 0 518
Cisco Systems COM 17275R102 4,610 98,834 SH   SOLE   77,960 0 20,874
Home Depot COM 437076102 4,609 18,400 SH   SOLE   15,370 0 3,030
Republic Services Inc COM 760759100 4,583 55,860 SH   SOLE   41,275 0 14,585
Vanguard Mid Cap Value ETF COM 922908512 4,570 47,748 SH   SOLE   939 0 46,809
Stryker Corp COM 863667101 4,411 24,479 SH   SOLE   18,984 0 5,495
Intel COM 458140100 4,136 69,122 SH   SOLE   52,521 0 16,601
American Renal Associates Hold COM 029227105 3,875 594,284 SH   SOLE   0 0 594,284
McDonalds Corp. COM 580135101 3,684 19,972 SH   SOLE   15,276 0 4,696
Vanguard Large Cap COM 922908637 3,683 25,757 SH   SOLE   957 0 24,800
Vanguard Intl Dividend COM 921946810 3,617 53,928 SH   SOLE   43,086 0 10,842
iShares U S Real Estate ETF COM 464287739 3,480 44,160 SH   SOLE   237 0 43,923
Ishares Tr Russell 2000 Value COM 464287630 3,446 35,358 SH   SOLE   0 0 35,358
JP Morgan Chase & Co COM 46625H100 3,303 35,113 SH   SOLE   30,158 0 4,955
Vanguard Small Cap Value ETF COM 922908611 3,199 29,918 SH   SOLE   559 0 29,359
Merck & Co Inc COM 58933Y105 3,189 41,245 SH   SOLE   32,296 0 8,949
AbbVie Inc. COM 00287Y109 3,154 32,121 SH   SOLE   24,745 0 7,376
Oracle Corp. COM 68389X105 3,152 57,030 SH   SOLE   46,805 0 10,225
Canadian Natl Ry Co COM 136375102 3,143 35,489 SH   SOLE   26,944 0 8,545
Mid Cap SPDR Trust COM 595635103 3,111 9,587 SH   SOLE   615 0 8,972
iShares Russell Mid Cap COM 464287499 3,084 57,534 SH   SOLE   516 0 57,018
Abbott Labs COM 002824100 3,014 32,967 SH   SOLE   22,417 0 10,550
SPDR Nuveen Barclays Short Ter COM 78468R739 2,887 57,890 SH   SOLE   0 0 57,890
Starbucks Corp COM 855244109 2,872 39,026 SH   SOLE   31,501 0 7,525
iShares Tr Russell 1000 Value COM 464287598 2,852 25,325 SH   SOLE   127 0 25,198
Exxon Mobil Corp. COM 30231G102 2,748 61,449 SH   SOLE   45,370 0 16,079
Automatic Data Processing COM 053015103 2,742 18,417 SH   SOLE   14,987 0 3,430
Packaging Corp COM 695156109 2,726 27,310 SH   SOLE   21,990 0 5,320
US REIT: Schwab ETF COM 808524847 2,708 76,901 SH   SOLE   65,845 0 11,056
Foreign LgCap Equity: Vanguard COM 922042775 2,655 55,759 SH   SOLE   3,225 0 52,534
VF Corp COM 918204108 2,647 43,440 SH   SOLE   32,145 0 11,295
Chubb Ltd COM H1467J104 2,565 20,260 SH   SOLE   16,950 0 3,310
Novartis COM 66987V109 2,528 28,947 SH   SOLE   22,032 0 6,915
Ishares Tr Russell 2000 Growth COM 464287648 2,518 12,173 SH   SOLE   0 0 12,173
Intl Equity: Schwab ETF COM 808524805 2,415 81,179 SH   SOLE   74,000 0 7,179
Linde COM G5494J103 2,226 10,494 SH   SOLE   7,806 0 2,688
Chevron Corp. COM 166764100 2,095 23,475 SH   SOLE   19,085 0 4,390
3M Co. COM 88579Y101 2,061 13,213 SH   SOLE   11,278 0 1,935
Vanguard Extended Dur Treas COM 921910709 1,959 11,800 SH   SOLE   0 0 11,800
US MidCap Equity: Schwab ETF COM 808524508 1,922 36,517 SH   SOLE   31,811 0 4,706
Ishares Russell Midcap Value COM 464287473 1,858 24,272 SH   SOLE   0 0 24,272
Wisdomtree Japan Tot Div COM 97717W851 1,787 38,007 SH   SOLE   33,037 0 4,970
Clorox Company COM 189054109 1,762 8,030 SH   SOLE   6,105 0 1,925
Raytheon Technologies COM 75513E101 1,729 28,064 SH   SOLE   22,279 0 5,785
Ishares Tr Russell 1000 Index COM 464287622 1,553 9,048 SH   SOLE   0 0 9,048
International Business Machine COM 459200101 1,494 12,367 SH   SOLE   3,322 0 9,045
PIMCO Enh Short Maturity ETF COM 72201R833 1,479 14,540 SH   SOLE   13,540 0 1,000
US Large Cap Value: Schwab ETF COM 808524409 1,474 29,410 SH   SOLE   26,010 0 3,400
Pfizer Inc. COM 717081103 1,415 43,261 SH   SOLE   21,502 0 21,759
Citizens Financial Group Inc COM 174610105 1,397 55,340 SH   SOLE   43,390 0 11,950
Shopify Inc COM 82509L107 1,376 1,450 SH   SOLE   1,300 0 150
General Dynamics Corp. COM 369550108 1,364 9,123 SH   SOLE   7,913 0 1,210
Vanguard Inl High Div Yield ET COM 921946794 1,275 24,902 SH   SOLE   21,709 0 3,193
Bond BulletShrs 2022 Invesco COM 46138J882 1,254 57,482 SH   SOLE   52,221 0 5,261
Nestle SA COM 641069406 1,233 11,160 SH   SOLE   9,105 0 2,055
Interm US Treas: Schwab ETF COM 808524854 1,218 20,716 SH   SOLE   16,680 0 4,036
iShares Russell 2000 COM 464287655 1,174 8,198 SH   SOLE   539 0 7,659
Schwab Short Term US Treasury COM 808524862 1,119 21,665 SH   SOLE   18,323 0 3,342
Amazon Com Inc COM 023135106 1,117 405 SH   SOLE   257 0 148
AT&T Corp. COM 00206R102 1,074 35,522 SH   SOLE   26,470 0 9,052
iShares S&P Midcap COM 464287507 1,071 6,025 SH   SOLE   3,868 0 2,157
Intl Flavors & Fragrances Inc COM 459506101 1,062 8,670 SH   SOLE   6,950 0 1,720
Pub Svc Ent Group Inc COM 744573106 1,026 20,876 SH   SOLE   18,276 0 2,600
Ross Stores COM 778296103 1,020 11,966 SH   SOLE   10,546 0 1,420
Honeywell International COM 438516106 1,019 7,047 SH   SOLE   6,697 0 350
Bond BulletShrs 2021 Invesco COM 46138J700 1,014 47,469 SH   SOLE   38,163 0 9,306
T Rowe Price Group Inc COM 74144T108 963 7,798 SH   SOLE   5,873 0 1,925
Kroger Company COM 501044101 925 27,325 SH   SOLE   22,425 0 4,900
Medtronic PLC COM G5960L103 924 10,080 SH   SOLE   7,825 0 2,255
US Lgcap Equity: Schwab ETF COM 808524201 923 12,453 SH   SOLE   11,507 0 946
Novo-Nordisk A-S COM 670100205 914 13,960 SH   SOLE   10,925 0 3,035
Abiomed Inc COM 003654100 907 3,755 SH   SOLE   3,755 0 0
Norfolk & Southern COM 655844108 905 5,155 SH   SOLE   5,005 0 150
US Agg Bond ETF: Schwab COM 808524839 892 15,854 SH   SOLE   14,919 0 935
FedEx Corp. COM 31428X106 868 6,187 SH   SOLE   5,495 0 692
Emerson Electric COM 291011104 857 13,810 SH   SOLE   12,260 0 1,550
Bond BulletShrs 2023 Invesco COM 46138J866 850 39,045 SH   SOLE   31,790 0 7,255
NextEra Energy COM 65339F101 846 3,521 SH   SOLE   2,896 0 625
iShares GNMA Bond ETF COM 46429B333 833 16,210 SH   SOLE   10,725 0 5,485
Colgate Palmolive COM 194162103 832 11,350 SH   SOLE   8,355 0 2,995
Roche Hldg Ltd ADR COM 771195104 823 18,965 SH   SOLE   17,565 0 1,400
S&P Small Cap 600 COM 78464A813 818 13,853 SH   SOLE   525 0 13,328
U S Bancorp COM 902973304 798 21,678 SH   SOLE   16,393 0 5,285
CVS Caremark Corp. COM 126650100 782 12,040 SH   SOLE   9,215 0 2,825
US Lg-Cap Growth: Schwab ETF COM 808524300 767 7,552 SH   SOLE   6,669 0 883
Duke Energy COM 26441C204 729 9,123 SH   SOLE   7,313 0 1,810
Illumina Inc COM 452327109 720 1,945 SH   SOLE   1,730 0 215
American Express Co. COM 025816109 710 7,463 SH   SOLE   5,338 0 2,125
Sensata Technology COM N7902X106 679 18,250 SH   SOLE   16,950 0 1,300
Bond BulletShrs 2024 Invesco COM 46138J841 679 30,818 SH   SOLE   26,668 0 4,150
S P D R TRUST Unit SR COM 78462F103 669 2,169 SH   SOLE   1,907 0 262
Emging Mkt Equity: Schwab ETF COM 808524706 642 26,379 SH   SOLE   11,527 0 14,852
Alphabet Inc. C Class C 02079K107 630 446 SH   SOLE   379 0 67
Bristol Myers COM 110122108 623 10,602 SH   SOLE   7,070 0 3,532
iShares Core MSCI Emerging Mkt COM 46434G103 615 12,920 SH   SOLE   1,796 0 11,124
Primary Bank COM 74166J103 612 36,000 SH   SOLE   0 0 36,000
Vanguard Intl Real Estate ETF COM 922042676 612 13,114 SH   SOLE   12,246 0 868
Vanguard SmallCap Growth COM 922908598 611 3,060 SH   SOLE   40 0 3,020
Coca-Cola COM 191216100 598 13,381 SH   SOLE   12,554 0 827
D X C Technology Co COM 23355L106 588 35,635 SH   SOLE   27,485 0 8,150
Visa Inc Cl A Class A 92826C839 586 3,035 SH   SOLE   3,035 0 0
Skyworks Solutions COM 83088M102 571 4,465 SH   SOLE   3,500 0 965
Union Pacific Corp COM 907818108 556 3,290 SH   SOLE   150 0 3,140
iShares S&P 500 Growth COM 464287309 553 2,665 SH   SOLE   1,469 0 1,196
Danaher Corp COM 235851102 553 3,126 SH   SOLE   3,126 0 0
iShares Barclays TIPS COM 464287176 543 4,415 SH   SOLE   4,415 0 0
Bond Bulletshrs 2020 Invesco COM 46138J502 539 25,324 SH   SOLE   20,376 0 4,948
Global X MLP ETF COM 37950E473 538 19,779 SH   SOLE   17,478 0 2,301
iShares S&P 500 Value ETF COM 464287408 530 4,901 SH   SOLE   2,895 0 2,006
Bond BulletShrs 2025 Invesco COM 46138J825 467 21,022 SH   SOLE   15,850 0 5,172
Schlumberger Ltd. COM 806857108 466 25,354 SH   SOLE   23,824 0 1,530
Vanguard Short Term Bond ETF COM 921937827 459 5,525 SH   SOLE   5,525 0 0
Alibaba Group Hldg ADR COM 01609W102 453 2,100 SH   SOLE   100 0 2,000
Wisdomtree Tr US Midcap Divid COM 97717W505 430 15,190 SH   SOLE   12,167 0 3,023
US TIPS: Schwab ETF COM 808524870 427 7,114 SH   SOLE   6,041 0 1,073
Cerus Corp COM 157085101 423 64,049 SH   SOLE   0 0 64,049
Netflix Inc COM 64110L106 419 920 SH   SOLE   0 0 920
Vanguard Emerging Market COM 922042858 388 9,787 SH   SOLE   262 0 9,525
iShares Barclays 3-7 Year Bond COM 464288661 380 2,843 SH   SOLE   643 0 2,200
Philip Morris Intl Inc COM 718172109 374 5,341 SH   SOLE   4,666 0 675
SPDR Utilities Sector COM 81369Y886 370 6,550 SH   SOLE   6,025 0 525
Zimmer Biomet Holdings COM 98956P102 357 2,988 SH   SOLE   1,840 0 1,148
Alerian MLP ETF COM 00162Q866 344 13,930 SH   SOLE   9,490 0 4,440
Cigna Corp COM 125509109 342 1,824 SH   SOLE   1,709 0 115
2021 iShares Muni COM 46435G789 329 12,695 SH   SOLE   4,630 0 8,065
Trex Company Inc COM 89531P105 325 2,500 SH   SOLE   0 0 2,500
Genuine Parts Co COM 372460105 322 3,705 SH   SOLE   3,495 0 210
Carrier Global Corporation Com COM 14448C104 320 14,413 SH   SOLE   11,138 0 3,275
SPDR S&P 600 Small Cap Value COM 78464A300 317 6,458 SH   SOLE   5,630 0 828
Kimberly-Clark COM 494368103 316 2,235 SH   SOLE   2,035 0 200
Eli Lilly & Co. COM 532457108 315 1,916 SH   SOLE   1,867 0 49
Verizon Communications COM 92343V104 314 5,693 SH   SOLE   4,693 0 1,000
PepsiCo Inc. COM 713448108 311 2,353 SH   SOLE   1,668 0 685
Vanguard Mid Cap Growth ETF COM 922908538 304 1,839 SH   SOLE   1,069 0 770
Royal Dutch COM 780259206 301 9,204 SH   SOLE   5,464 0 3,740
Hexcel Corp New COM 428291108 299 6,611 SH   SOLE   3,986 0 2,625
Vanguard MSCI Europe ETF COM 922042874 292 5,800 SH   SOLE   4,300 0 1,500
Everbridge Inc COM 29978A104 277 2,000 SH   SOLE   0 0 2,000
US Small Cap Equity: Schwab ET COM 808524607 274 4,193 SH   SOLE   3,387 0 806
Otis Worldwide Corp COM 68902V107 268 4,719 SH   SOLE   3,895 0 824
2022 iShares Muni COM 46435G755 265 10,015 SH   SOLE   2,690 0 7,325
Vanguard Short Term Gov't COM 92206C102 258 4,150 SH   SOLE   2,850 0 1,300
McCormick & Co Inc COM 579780206 255 1,420 SH   SOLE   1,420 0 0
2023 iShares Muni COM 46435G318 254 9,675 SH   SOLE   3,900 0 5,775
Canadian Natural Resources COM 136385101 246 14,116 SH   SOLE   9,666 0 4,450
Constellation Brand COM 21036P108 244 1,393 SH   SOLE   665 0 728
Paypal Holdings COM 70450Y103 233 1,340 SH   SOLE   60 0 1,280
General Mills Inc COM 370334104 231 3,750 SH   SOLE   2,750 0 1,000
iShares Cohen & Steers Realty COM 464287564 231 2,289 SH   SOLE   313 0 1,976
Nike Inc Class B Class B 654106103 219 2,235 SH   SOLE   2,235 0 0
Intuitive Surgical New COM 46120E602 219 384 SH   SOLE   0 0 384
iShares S&P SmallCap Growth ET COM 464287887 217 1,279 SH   SOLE   602 0 677
Sherwin Williams Co COM 824348106 214 370 SH   SOLE   330 0 40
iShares Core MSCI EAFE ETF COM 46432F842 212 3,709 SH   SOLE   2,571 0 1,138
United Parcel Service Inc Cl B COM 911312106 211 1,902 SH   SOLE   1,902 0 0
Bank Of New York Co COM 064058100 201 5,201 SH   SOLE   3,451 0 1,750
PCS Edventures!.com COM 69325N102 18 445,000 SH   SOLE   445,000 0 0
Moleculin Biotech In COM 60855D101 99 101,781 SH   SOLE   0 0 101,781
Jericho Oil Corp COM 476367107 11 75,860 SH   SOLE   0 0 75,860
Hypersolar Inc COM 44915H104 2 70,833 SH   SOLE   0 0 70,833
Elixinol Global Lt Ordf COM Q34632101 4 34,218 SH   SOLE   0 0 34,218
Orion Marine Group Inc COM 68628V308 94 29,800 SH   SOLE   0 0 29,800
General Electric COM 369604103 173 25,402 SH   SOLE   10,300 0 15,102
2020 Blackrock Muni ETF COM 09249X109 191 12,700 SH   SOLE   7,300 0 5,400