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
Vanguard Small Cap Common 922908751 26,913 123,075 SH   SOLE   1,299 0 121,776
Berkshire Hathaway Cl B Class B 084670207 26,649 97,638 SH   SOLE   17,704 0 79,934
Apple Inc. Common 037833100 22,144 156,496 SH   SOLE   131,598 0 24,898
Vanguard Growth ETF Common 922908736 20,822 71,758 SH   SOLE   3,478 0 68,280
Vanguard Div Apprciation Common 921908844 20,491 133,403 SH   SOLE   14,006 0 119,397
US Div Equity Schwab ETF Common 808524797 19,216 258,842 SH   SOLE   27,102 0 231,740
iShares Russell 1000 Growth In Common 464287614 18,530 67,619 SH   SOLE   156 0 67,463
iShares Barclays Aggregate Bon Common 464287226 18,057 157,252 SH   SOLE   4,871 0 152,381
Vanguard Mid Cap Common 922908629 16,714 70,593 SH   SOLE   3,121 0 67,472
Microsoft Corp. Common 594918104 14,357 50,926 SH   SOLE   43,563 0 7,363
Vanguard Tax Ex Bond Index Common 922907746 13,671 249,605 SH   SOLE   0 0 249,605
Vanguard Value ETF Common 922908744 13,620 100,611 SH   SOLE   11,315 0 89,296
iShrs Russell Midcap Growth Common 464287481 13,451 120,019 SH   SOLE   1,548 0 118,471
Vanguard Europe Pac ETF Common 921943858 13,231 262,044 SH   SOLE   2,081 0 259,963
Thermo Fisher Scientific Common 883556102 13,069 22,875 SH   SOLE   20,225 0 2,650
Accenture Common G1151C101 12,868 40,223 SH   SOLE   32,423 0 7,800
Spdr S&P Dividend Etf Common 78464A763 11,396 96,948 SH   SOLE   0 0 96,948
Blackrock Inc. Common 09247X101 10,890 12,985 SH   SOLE   10,562 0 2,423
Walt Disney Co. Common 254687106 10,601 62,665 SH   SOLE   49,418 0 13,247
JPM Ultra Short Income ETF Common 46641Q837 10,207 201,242 SH   SOLE   161,359 0 39,883
Vanguard REIT Common 922908553 10,046 98,699 SH   SOLE   3,451 0 95,248
Alphabet Inc A Class A 02079K305 9,274 3,469 SH   SOLE   3,004 0 465
1/100 Berkshire Htwy Cla Common 084990175 8,228 2,000 SH   SOLE   0 0 2,000
Illinois Tool Works Inc Common 452308109 7,322 35,436 SH   SOLE   27,746 0 7,690
iShares Barclays 1-3 Yr Treasu Common 464287457 6,984 81,072 SH   SOLE   13,352 0 67,720
Vanguard Corp Bond Etf Common 92206C409 6,900 83,725 SH   SOLE   14,312 0 69,413
Mastercard Common 57636Q104 6,878 19,783 SH   SOLE   17,673 0 2,110
Vanguard Intl Dividend Common 921946810 6,764 77,548 SH   SOLE   64,576 0 12,972
Republic Services Inc Common 760759100 6,764 56,337 SH   SOLE   42,692 0 13,645
Vanguard Mid Cap Value ETF Common 922908512 6,672 47,791 SH   SOLE   2,154 0 45,637
Amgen Common 031162100 6,490 30,522 SH   SOLE   23,676 0 6,846
Stryker Corp Common 863667101 6,404 24,284 SH   SOLE   19,124 0 5,160
JP Morgan Chase & Co Common 46625H100 6,313 38,568 SH   SOLE   33,378 0 5,190
Procter & Gamble Common 742718109 6,308 45,123 SH   SOLE   33,764 0 11,359
Home Depot Common 437076102 6,272 19,107 SH   SOLE   16,317 0 2,790
Vanguard Small Cap Value ETF Common 922908611 6,215 36,721 SH   SOLE   1,264 0 35,457
Johnson & Johnson Common 478160104 5,905 36,564 SH   SOLE   27,894 0 8,670
SPDR Nuveen Barclays Short Ter Common 78468R739 5,863 118,690 SH   SOLE   0 0 118,690
iShares MSCI EAFE Common 464287465 5,765 73,899 SH   SOLE   634 0 73,265
iShares Tr Russell 2000 Value Common 464287630 5,741 35,828 SH   SOLE   0 0 35,828
Church & Dwight Co Inc Common 171340102 5,304 64,236 SH   SOLE   47,546 0 16,690
Cisco Systems Common 17275R102 5,272 96,852 SH   SOLE   76,053 0 20,799
iShares U S Real Estate ETF Common 464287739 5,112 49,924 SH   SOLE   2,243 0 47,681
Oracle Corp. Common 68389X105 5,020 57,615 SH   SOLE   48,740 0 8,875
Vanguard Large Cap Common 922908637 4,964 24,707 SH   SOLE   957 0 23,750
McDonalds Corp. Common 580135101 4,739 19,655 SH   SOLE   15,355 0 4,300
Goldman Sachs Group Common 38141G109 4,739 12,535 SH   SOLE   10,585 0 1,950
Automatic Data Processing Common 053015103 4,277 21,394 SH   SOLE   17,789 0 3,605
iShares Russell Mid Cap Common 464287499 4,036 51,594 SH   SOLE   416 0 51,178
Canadian Natl Ry Co Common 136375102 4,027 34,818 SH   SOLE   26,503 0 8,315
AbbVie Inc. Common 00287Y109 4,010 37,173 SH   SOLE   29,962 0 7,211
Starbucks Corp Common 855244109 3,984 36,120 SH   SOLE   29,020 0 7,100
Abbott Labs Common 002824100 3,978 33,677 SH   SOLE   24,272 0 9,405
Mid Cap SPDR Trust Common 595635103 3,968 8,251 SH   SOLE   615 0 7,636
iShares Russell 2000 Growth Common 464287648 3,552 12,100 SH   SOLE   350 0 11,750
JPM Ultra Short Muni Common 46641Q654 3,535 69,210 SH   SOLE   60,719 0 8,491
Intel Common 458140100 3,344 62,767 SH   SOLE   48,531 0 14,236
3M Co. Common 88579Y101 3,334 19,005 SH   SOLE   15,828 0 3,177
Exxon Mobil Corp. Common 30231G102 3,288 55,901 SH   SOLE   42,590 0 13,311
Vanguard Mortgage Backed Common 92206C771 3,148 59,068 SH   SOLE   47,693 0 11,375
Intl Equity: Schwab ETF Common 808524805 3,133 80,944 SH   SOLE   73,993 0 6,951
Vanguard Inl High Div Yield ET Common 921946794 3,120 47,231 SH   SOLE   38,156 0 9,075
VF Corp Common 918204108 3,118 46,550 SH   SOLE   35,630 0 10,920
Foreign LgCap Equity: Vanguard Common 922042775 3,071 50,378 SH   SOLE   3,225 0 47,153
Merck & Co Inc Common 58933Y105 3,055 40,677 SH   SOLE   32,914 0 7,763
PIMCO Enh Short Maturity ETF Common 72201R833 2,980 29,233 SH   SOLE   26,383 0 2,850
US REIT: Schwab ETF Common 808524847 2,933 64,204 SH   SOLE   59,520 0 4,684
iShares Tr Russell 1000 Index Common 464287622 2,858 11,826 SH   SOLE   0 0 11,826
Vanguard Mid Cap Growth ETF Common 922908538 2,802 11,860 SH   SOLE   2,257 0 9,603
Packaging Corp Common 695156109 2,676 19,470 SH   SOLE   16,100 0 3,370
Linde Common G5494J103 2,630 8,965 SH   SOLE   6,747 0 2,218
Intl Flavors & Fragrances Inc Common 459506101 2,525 18,880 SH   SOLE   14,470 0 4,410
iShares Russell Midcap Value Common 464287473 2,500 22,072 SH   SOLE   0 0 22,072
Chevron Corp. Common 166764100 2,489 24,539 SH   SOLE   20,174 0 4,365
Invesco Bond BulletShrs 2022 Common 46138J882 2,434 113,032 SH   SOLE   99,208 0 13,824
US MidCap Equity: Schwab ETF Common 808524508 2,416 31,514 SH   SOLE   26,555 0 4,959
Invesco Bond BulletShrs 2023 Common 46138J866 2,318 106,949 SH   SOLE   83,901 0 23,048
Invesco Bond BulletShrs 2021 Common 46138J700 2,317 109,862 SH   SOLE   92,809 0 17,053
Invesco Bond BulletShrs 2024 Common 46138J841 2,253 101,883 SH   SOLE   85,982 0 15,901
Wisdomtree Japan Tot Div Common 97717W851 2,216 35,092 SH   SOLE   30,322 0 4,770
Novartis Common 66987V109 2,063 25,222 SH   SOLE   19,882 0 5,340
Raytheon Technologies Common 75513E101 2,045 23,794 SH   SOLE   20,167 0 3,627
Vanguard Ultra Short Common 92203C303 1,972 39,325 SH   SOLE   33,825 0 5,500
US Large Cap Value: Schwab ETF Common 808524409 1,925 28,532 SH   SOLE   24,515 0 4,017
Genuine Parts Co Common 372460105 1,887 15,568 SH   SOLE   11,723 0 3,845
Pfizer Inc. Common 717081103 1,863 43,311 SH   SOLE   20,802 0 22,509
General Dynamics Corp. Common 369550108 1,794 9,152 SH   SOLE   8,007 0 1,145
Honeywell International Common 438516106 1,709 8,049 SH   SOLE   7,699 0 350
Citizens Financial Group Inc Common 174610105 1,646 35,040 SH   SOLE   26,240 0 8,800
International Business Machine Common 459200101 1,615 11,624 SH   SOLE   3,322 0 8,302
Nestle SA Common 641069406 1,585 13,188 SH   SOLE   10,773 0 2,415
iShares Russell 2000 Common 464287655 1,553 7,098 SH   SOLE   498 0 6,600
Shopify Inc Common 82509L107 1,536 1,133 SH   SOLE   1,035 0 98
U S Bancorp Common 902973304 1,526 25,680 SH   SOLE   19,825 0 5,855
Invesco Bond BulletShrs 2025 Common 46138J825 1,495 67,376 SH   SOLE   55,471 0 11,905
iShares JPM USD Emerging Mkts Common 464288281 1,438 13,065 SH   SOLE   9,745 0 3,320
Amazon Com Inc Common 023135106 1,396 425 SH   SOLE   305 0 120
Novo-Nordisk A-S Common 670100205 1,335 13,910 SH   SOLE   10,925 0 2,985
Schwab Short Term US Treasury Common 808524862 1,334 26,064 SH   SOLE   22,746 0 3,318
Emerson Electric Common 291011104 1,304 13,840 SH   SOLE   12,290 0 1,550
Clorox Company Common 189054109 1,276 7,705 SH   SOLE   6,080 0 1,625
Alphabet Inc. C Common 02079K107 1,261 473 SH   SOLE   430 0 43
FedEx Corp. Common 31428X106 1,249 5,697 SH   SOLE   5,030 0 667
Medtronic PLC Common G5960L103 1,242 9,905 SH   SOLE   7,650 0 2,255
Constellation Brand Common 21036P108 1,239 5,881 SH   SOLE   4,773 0 1,108
Abiomed Inc Common 003654100 1,219 3,745 SH   SOLE   3,745 0 0
T Rowe Price Group Inc Common 74144T108 1,216 6,180 SH   SOLE   4,405 0 1,775
Interm US Treas: Schwab ETF Common 808524854 1,196 21,098 SH   SOLE   17,098 0 4,000
CVS Caremark Corp. Common 126650100 1,190 14,021 SH   SOLE   10,340 0 3,681
Pub Svc Ent Group Inc Common 744573106 1,183 19,426 SH   SOLE   16,851 0 2,575
Wisdomtree Tr US Midcap Divid Common 97717W505 1,179 28,438 SH   SOLE   23,785 0 4,653
American Express Co. Common 025816109 1,148 6,854 SH   SOLE   5,329 0 1,525
NextEra Energy Common 65339F101 1,143 14,559 SH   SOLE   13,459 0 1,100
iShares Russell 1000 Value Ind Common 464287598 1,125 7,187 SH   SOLE   127 0 7,060
Kroger Company Common 501044101 1,124 27,798 SH   SOLE   22,948 0 4,850
Norfolk & Southern Common 655844108 1,086 4,540 SH   SOLE   4,390 0 150
SPDR Utilities Sector Common 81369Y886 1,012 15,840 SH   SOLE   13,340 0 2,500
US Lgcap Equity: Schwab ETF Common 808524201 1,009 9,702 SH   SOLE   9,089 0 613
Vanguard SmallCap Growth Common 922908598 992 3,542 SH   SOLE   174 0 3,368
iShares Core MSCI Emerging Mkt Common 46434G103 991 16,052 SH   SOLE   3,579 0 12,473
Vanguard Emerging Market Common 922042858 916 18,316 SH   SOLE   12,246 0 6,070
Coca-Cola Common 191216100 913 17,397 SH   SOLE   16,272 0 1,125
S P D R TRUST Unit SR Common 78462F103 896 2,088 SH   SOLE   1,876 0 212
iShares GNMA Bond ETF Common 46429B333 892 17,845 SH   SOLE   12,755 0 5,090
US Agg Bond ETF: Schwab Common 808524839 882 16,248 SH   SOLE   15,313 0 935
Carrier Global Corporation Com Common 14448C104 861 16,630 SH   SOLE   13,563 0 3,067
Verizon Communications Common 92343V104 859 15,896 SH   SOLE   13,146 0 2,750
Qualcomm Inc. Common 747525103 857 6,645 SH   SOLE   5,675 0 970
Danaher Corp Common 235851102 848 2,786 SH   SOLE   2,786 0 0
Roche Hldg Ltd ADR Common 771195104 807 17,750 SH   SOLE   16,350 0 1,400
US Lg-Cap Growth: Schwab ETF Common 808524300 805 5,436 SH   SOLE   4,412 0 1,024
Skyworks Solutions Common 83088M102 805 4,884 SH   SOLE   3,914 0 970
Sensata Technology Common N7902X106 796 14,550 SH   SOLE   13,150 0 1,400
Illumina Inc Common 452327109 793 1,955 SH   SOLE   1,905 0 50
iShares S&P Midcap Common 464287507 778 2,959 SH   SOLE   1,687 0 1,272
Colgate Palmolive Common 194162103 777 10,281 SH   SOLE   8,346 0 1,935
Duke Energy Common 26441C204 712 7,294 SH   SOLE   5,009 0 2,285
Bristol Myers Common 110122108 698 11,799 SH   SOLE   8,550 0 3,249
Ross Stores Common 778296103 668 6,140 SH   SOLE   5,839 0 301
Primary Bank Common 74166J103 666 36,000 SH   SOLE   0 0 36,000
Visa Inc Cl A Class A 92826C839 645 2,895 SH   SOLE   2,895 0 0
Union Pacific Corp Common 907818108 643 3,281 SH   SOLE   261 0 3,020
AT&T Corp. Common 00206R102 639 23,662 SH   SOLE   19,814 0 3,848
Philip Morris Intl Inc Common 718172109 620 6,541 SH   SOLE   5,866 0 675
JP Morgan Int'l Growth ETF Common 46641Q324 620 8,158 SH   SOLE   7,608 0 550
iShares Barclays TIPS Common 464287176 608 4,765 SH   SOLE   4,765 0 0
Eli Lilly & Co. Common 532457108 593 2,567 SH   SOLE   2,567 0 0
Global X MLP ETF Common 37950E473 585 16,595 SH   SOLE   14,688 0 1,907
2021 iShares Muni Common 46435G789 583 22,795 SH   SOLE   14,730 0 8,065
D X C Technology Co Common 23355L106 565 16,800 SH   SOLE   13,125 0 3,675
US TIPS: Schwab ETF Common 808524870 557 8,899 SH   SOLE   7,604 0 1,295
iShares S&P 500 Value ETF Common 464287408 524 3,600 SH   SOLE   1,625 0 1,975
iShares S&P 500 Growth Common 464287309 523 7,070 SH   SOLE   3,640 0 3,430
2022 iShares Muni Common 46435G755 517 19,765 SH   SOLE   12,440 0 7,325
EOG Resources Inc Common 26875P101 511 6,365 SH   SOLE   6,010 0 355
Trex Company Inc Common 89531P105 510 5,000 SH   SOLE   0 0 5,000
Hexcel Corp New Common 428291108 492 8,286 SH   SOLE   4,786 0 3,500
Vanguard Short Term Gov't Common 92206C102 485 7,899 SH   SOLE   6,274 0 1,625
Sherwin Williams Co Common 824348106 485 1,733 SH   SOLE   1,598 0 135
Amer Electric Pwr Co Inc Common 025537101 479 5,906 SH   SOLE   4,156 0 1,750
salesforce.com Common 79466L302 464 1,712 SH   SOLE   1,502 0 210
Emging Mkt Equity: Schwab ETF Common 808524706 460 15,088 SH   SOLE   11,079 0 4,009
Vanguard Short Term Bond ETF Common 921937827 455 5,557 SH   SOLE   5,557 0 0
Schlumberger Ltd. Common 806857108 448 15,110 SH   SOLE   11,777 0 3,333
Chubb Ltd Common H1467J104 442 2,550 SH   SOLE   2,375 0 175
iShares Barclays 3-7 Year Bond Common 464288661 442 3,393 SH   SOLE   600 0 2,793
SPDR S&P 600 Small Cap Value Common 78464A300 436 5,319 SH   SOLE   4,939 0 380
2023 iShares Muni Common 46435G318 435 16,725 SH   SOLE   10,000 0 6,725
Vanguard Utilities ETF Common 92204A876 432 3,102 SH   SOLE   2,702 0 400
Quanterix Corp Common 74766Q101 423 8,505 SH   SOLE   8,130 0 375
Nike Inc Class B Class B 654106103 423 2,914 SH   SOLE   2,914 0 0
Vanguard Intl Real Estate ETF Common 922042676 420 7,459 SH   SOLE   7,071 0 388
Aspen Aerogels Inc Common 04523Y105 414 9,000 SH   SOLE   0 0 9,000
Zimmer Biomet Holdings Common 98956P102 397 2,713 SH   SOLE   1,790 0 923
Invesco Bond BulletShrs 2026 Common 46138J791 396 18,499 SH   SOLE   18,499 0 0
PepsiCo Inc. Common 713448108 394 2,623 SH   SOLE   1,918 0 705
US Small Cap Equity: Schwab ET Common 808524607 394 3,937 SH   SOLE   2,968 0 969
Costco Whsl Corp New Common 22160K105 391 870 SH   SOLE   720 0 150
C B Richard Ellis Group Common 12497T101 389 4,000 SH   SOLE   0 0 4,000
iShares Ultra Short Term Bond Common 46434V878 382 7,570 SH   SOLE   5,475 0 2,095
Vanguard MSCI Europe ETF Common 922042874 381 5,800 SH   SOLE   4,300 0 1,500
S&P Small Cap 600 Common 78464A813 377 3,976 SH   SOLE   525 0 3,451
Pnc Finl Services Gp Inc Common 693475105 368 1,879 SH   SOLE   1,879 0 0
Netflix Inc Common 64110L106 366 600 SH   SOLE   0 0 600
Cigna Corp Common 125509109 365 1,824 SH   SOLE   1,709 0 115
Cerus Corp Common 157085101 360 59,049 SH   SOLE   0 0 59,049
Vanguard Total Stk Mkt ETF Common 922908769 346 1,558 SH   SOLE   714 0 844
iShares S&P US Pfd Stock Common 464288687 330 8,495 SH   SOLE   7,260 0 1,235
Canadian Natural Resources Common 136385101 320 8,766 SH   SOLE   4,816 0 3,950
iShares S&P SmallCap Growth ET Common 464287887 306 2,352 SH   SOLE   1,563 0 789
Deere & Co Common 244199105 294 876 SH   SOLE   876 0 0
Charles Schwab Corp Common 808513105 293 4,025 SH   SOLE   2,200 0 1,825
Marathon Pete Corp Common 56585A102 289 4,679 SH   SOLE   0 0 4,679
Everbridge Inc Common 29978A104 287 1,900 SH   SOLE   0 0 1,900
Capital One Financial Common 14040H105 286 1,766 SH   SOLE   1,766 0 0
iShares Cohen & Steers Realty Common 464287564 284 4,343 SH   SOLE   475 0 3,868
Booking Holdings Inc Common 09857L108 271 114 SH   SOLE   114 0 0
United Parcel Service Inc Cl B Class B 911312106 268 1,472 SH   SOLE   1,472 0 0
Invesco Senior Loan ETF Common 46138G508 266 12,025 SH   SOLE   7,500 0 4,525
Vanguard US Liquidity ETF Common 921935300 261 2,375 SH   SOLE   2,140 0 235
Sysco Corp Common 871829107 259 3,300 SH   SOLE   400 0 2,900
Kimberly-Clark Common 494368103 250 1,885 SH   SOLE   1,885 0 0
iShares Core MSCI EAFE ETF Common 46432F842 249 3,351 SH   SOLE   2,523 0 828
Wal Mart Stores Inc. Common 931142103 246 1,767 SH   SOLE   1,767 0 0
Avantis US Small Cap Value ETF Common 025072877 246 3,255 SH   SOLE   2,280 0 975
Sprott Physical Gold Trust Common 85207H104 242 17,510 SH   SOLE   1,275 0 16,235
Alibaba Group Hldg ADR Common 01609W102 237 1,600 SH   SOLE   100 0 1,500
iShares Barclays MBS Bond Fd Common 464288588 236 2,186 SH   SOLE   2,186 0 0
Blackstone Group Lp Common 09253U108 232 1,990 SH   SOLE   1,990 0 0
Repligen Corp Common 759916109 231 800 SH   SOLE   0 0 800
McCormick & Co Inc Common 579780206 230 2,840 SH   SOLE   2,840 0 0
Becton Dickinson & Co Common 075887109 229 930 SH   SOLE   615 0 315
Bank of America Corp. Common 060505104 225 5,306 SH   SOLE   4,278 0 1,028
General Mills Inc Common 370334104 224 3,750 SH   SOLE   2,750 0 1,000
Lockheed Martin Common 539830109 222 642 SH   SOLE   492 0 150
Dominion Resources Common 25746U109 214 2,933 SH   SOLE   2,733 0 200
Biogen Idec Inc Common 09062X103 211 744 SH   SOLE   714 0 30
Cummins Inc. Common 231021106 207 920 SH   SOLE   920 0 0
Genl Amern Investors Co Common 368802104 205 4,768 SH   SOLE   4,768 0 0
BP PLC Common 055622104 205 7,485 SH   SOLE   6,860 0 625
Vanguard Extended Dur Treas Common 921910709 201 1,485 SH   SOLE   0 0 1,485
PCS Edventures!.com Common 69325N102 22 445,000 SH   SOLE   445,000 0 0
Hypersolar Inc Common 44915H104 4 70,833 SH   SOLE   0 0 70,833
Orion Marine Group Inc Common 68628V308 162 29,800 SH   SOLE   0 0 29,800
Medexus Pharmaceutical Common 58410Q203 66 28,000 SH   SOLE   0 0 28,000
Drive Shack Inc Common 262077100 28 10,000 SH   SOLE   0 0 10,000