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
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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
3M Co. COM 88579Y101 210 894 SH   SOLE NONE 894 0 894
Abbvie Inc COM 00287Y109 3,685 38,107 SH   SOLE NONE 38,107 0 38,107
Alphabet Inc Class A CAP STK CL A 02079K305 568 539 SH   SOLE NONE 539 0 539
Alphabet Inc Class C CAP STK CL C 02079K107 277 265 SH   SOLE NONE 265 0 265
Altria Group Inc. COM 02209S103 903 12,652 SH   SOLE NONE 12,652 0 12,652
American Express Company COM 025816109 515 5,184 SH   SOLE NONE 5,184 0 5,184
Amgen Inc. COM 031162100 842 4,839 SH   SOLE NONE 4,839 0 4,839
Apple Inc. COM 037833100 10,848 64,103 SH   SOLE NONE 64,103 0 64,103
AT&T, Inc. COM 00206R102 370 9,511 SH   SOLE NONE 9,511 0 9,511
Baytex Energy Corp COM 07317Q105 30 10,000 SH   SOLE NONE 10,000 0 10,000
Berkshire Hathaway Cl B CL B NEW 084670702 10,058 50,742 SH   SOLE NONE 50,742 0 50,742
BP PLC ADR SPONSORED ADR 055622104 2,258 53,713 SH   SOLE NONE 53,713 0 53,713
Chesapeake Energy Corp COM 165167107 47 11,907 SH   SOLE NONE 11,907 0 11,907
Consumer Staples Select Sector SPDR SBI CONS STPLS 81369Y308 2,212 38,881 SH   SOLE NONE 38,881 0 38,881
Energy Select Sector SPDR ENERGY 81369Y506 3,725 51,545 SH   SOLE NONE 51,545 0 51,545
Exxon Mobil Corporation COM 30231G102 213 2,545 SH   SOLE NONE 2,545 0 2,545
Facebook Inc Class A CL A 30303M102 6,421 36,386 SH   SOLE NONE 36,386 0 36,386
Financial Select Sector SPDR SBI INT-FINL 81369Y605 2,547 91,273 SH   SOLE NONE 91,273 0 91,273
Gilead Sciences Inc COM 375558103 2,164 30,211 SH   SOLE NONE 30,211 0 30,211
Goldman Sachs Group Inc. COM 38141G104 262 1,030 SH   SOLE NONE 1,030 0 1,030
Guggenheim Enhanced Short Duration ETF GUGG ULTR SH DUR 18383M654 507 10,108 SH   SOLE NONE 10,108 0 10,108
Industrial Select Sector SPDR SBI INT-INDS 81369Y704 296 3,915 SH   SOLE NONE 3,915 0 3,915
iShares 0-5 Year High Yield Corp Bond 0-5YR HI YL CP 46434V407 9,693 205,661 SH   SOLE NONE 205,661 0 205,661
iShares Dow Jones Transportation Average TRANS AVG ETF 464287192 255 1,331 SH   SOLE NONE 1,331 0 1,331
iShares Dow Jones US Medical Devices U.S. MED DVC ETF 464288810 285 1,643 SH   SOLE NONE 1,643 0 1,643
iShares Latin America 40 Index LATN AMER 40 ETF 464287390 276 8,089 SH   SOLE NONE 8,089 0 8,089
iShares MSCI Australia Index MSCI AUST ETF 464286103 326 14,086 SH   SOLE NONE 14,086 0 14,086
iShares MSCI Brazil MSCI BRAZIL ETF 464286400 364 8,991 SH   SOLE NONE 8,991 0 8,991
iShares MSCI EAFE MSCI EAFE ETF 464287465 431 6,127 SH   SOLE NONE 6,127 0 6,127
iShares MSCI EAFE Small-Cap EAFE SML CP ETF 464288273 810 12,551 SH   SOLE NONE 12,551 0 12,551
iShares MSCI Emerging Markets MSCI EMG MKT ETF 464287234 3,629 77,014 SH   SOLE NONE 77,014 0 77,014
Janus Short Duration HENDRSN SHRT ETF 47103U886 984 19,622 SH   SOLE NONE 19,622 0 19,622
JPMorgan Chase & Co. COM 46625H100 360 3,369 SH   SOLE NONE 3,369 0 3,369
LCI Industries COM 50189K103 210 1,618 SH   SOLE NONE 1,618 0 1,618
Materials Select Sector SPDR SBI MATERIALS 81369Y100 2,350 38,832 SH   SOLE NONE 38,832 0 38,832
Phillips 66 Common Stock COM 718546104 296 2,926 SH   SOLE NONE 2,926 0 2,926
PIMCO Enhanced Short Maturity Active ENHAN SHRT MA AC 72201R833 5,054 49,759 SH   SOLE NONE 49,759 0 49,759
Qualcomm, Inc. COM 747525103 251 3,920 SH   SOLE NONE 3,920 0 3,920
R B B Bancorp COM 74930B105 442 16,144 SH   SOLE NONE 16,144 0 16,144
Rydex S&P 500 Pure Growth GUG S&P500 PU GR 78355W403 270 2,579 SH   SOLE NONE 2,579 0 2,579
Rydex S&P 500 Pure Value GUG S&P500 PU VA 78355W304 311 4,694 SH   SOLE NONE 4,694 0 4,694
SPDR S&P Emerging Markets Small Cap S&P EMKTSC ETF 78463X756 2,000 38,468 SH   SOLE NONE 38,468 0 38,468
SPDR S&P International Small Cap S&P INTL SMLCP 78463X871 4,039 113,840 SH   SOLE NONE 113,840 0 113,840
Sturm Ruger & Co Inc COM 864159108 220 3,946 SH   SOLE NONE 3,946 0 3,946
Valero Energy Corp New COM 91913Y100 414 4,509 SH   SOLE NONE 4,509 0 4,509
Vanguard Bond Index Fund SHORT TRM BOND 921937827 382 4,830 SH   SOLE NONE 4,830 0 4,830
Vanguard Energy ENERGY ETF 92204A306 3,559 35,972 SH   SOLE NONE 35,972 0 35,972
Vanguard Financials ETF FINANCIALS ETF 92204A405 319 4,548 SH   SOLE NONE 4,548 0 4,548
Vanguard FTSE All-World ex-US ALLWRLD EX US 922042775 6,505 118,878 SH   SOLE NONE 118,878 0 118,878
Vanguard FTSE AW exUS Sm-Cp ETF FTSE SMCAP ETF 922042718 266 2,230 SH   SOLE NONE 2,230 0 2,230
Vanguard FTSE Emerging Markets Index FTSE EMR MKT ETF 922042858 3,955 86,156 SH   SOLE NONE 86,156 0 86,156
Vanguard Growth GROWTH ETF 922908736 384 2,727 SH   SOLE NONE 2,727 0 2,727
Vanguard Mid Cap Growth MCAP GR IDXVIP 922908538 225 1,758 SH   SOLE NONE 1,758 0 1,758
Vanguard Mid-Cap Value MCAP VL IDXVIP 922908512 308 2,757 SH   SOLE NONE 2,757 0 2,757
Vanguard Msci Eafe Etf FTSE DEV MKT ETF 921943858 694 15,479 SH   SOLE NONE 15,479 0 15,479
Vanguard Small Cap Growth SML CP GRW ETF 922908595 201 1,252 SH   SOLE NONE 1,252 0 1,252
Vanguard Small Cap Value SM CP VAL ETF 922908611 268 2,019 SH   SOLE NONE 2,019 0 2,019
Vanguard Total Intl ETF VG TL INTL STK F 921909768 553 9,740 SH   SOLE NONE 9,740 0 9,740
Vanguard Total Stock Market TOTAL STK MKT 922908769 384 2,800 SH   SOLE NONE 2,800 0 2,800
Vanguard Value VALUE ETF 922908744 422 3,967 SH   SOLE NONE 3,967 0 3,967
Walt Disney Co. COM DISNEY 254687106 204 1,901 SH   SOLE NONE 1,901 0 1,901
Wells Fargo & Company COM 949746101 1,834 30,235 SH   SOLE NONE 30,235 0 30,235
WisdomTree Emerging Mkts SmallCap Div EMG MKTS SMCAP 97717W281 603 11,559 SH   SOLE NONE 11,559 0 11,559