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
BRO Brown & Brown Inc 115236101 13 504 SH   SOLE   504 0 0
BF.B Brown-Forman Corp 115637209 11 227 SH   SOLE   227 0 0
CBS CBS Corporation 124857202 18 325 SH   SOLE   325 0 0
CGC Capital Gold Corp 138035100 33 1,150 SH   SOLE   1,150 0 0
CCL Carnival Corp. 143658300 5 102 SH   SOLE   102 0 0
CVX Chevron Corporation 166764100 5 42 SH   SOLE   42 0 0
CL Colgate Palmolive 194162103 355 5,482 SH   SOLE   5,482 0 0
CBSH Commerce Bancshares Inc 200525103 14 217 SH   SOLE   217 0 0
DFS Discover Financial Svcs 254709108 6 90 SH   SOLE   90 0 0
EMN Eastman Chemical Co. 277432100 5 58 SH   SOLE   58 0 0
EV Eaton Vance Corporation 278265103 2 55 SH   SOLE   55 0 0
ECL Ecolab 278865100 10 72 SH   SOLE   72 0 0
EMR Emerson Electric 291011104 5 76 SH   SOLE   76 0 0
ROBO Robo Global Robotics&Automation ETF 301505707 4 100 SH   SOLE   100 0 0
FDS Factset Research Systems 303075105 12 65 SH   SOLE   65 0 0
IT Gartner Inc 366651107 10 77 SH   SOLE   77 0 0
GD General Dynamics 369550108 19 107 SH   SOLE   107 0 0
HBI Hanesbrands Inc 410345102 6 308 SH   SOLE   308 0 0
HRS Harris Corp. Del. 413875105 23 164 SH   SOLE   164 0 0
JKHY Jack Henry & Associates Inc 426281101 18 142 SH   SOLE   142 0 0
HD Home Depot Inc. 437076102 10 51 SH   SOLE   51 0 0
HON Honeywell Inc. 438516106 45 317 SH   SOLE   317 0 0
ITW Illinois Tool Works 452308109 20 146 SH   SOLE   146 0 0
IBM International Business Machines Corp. 459200101 134 965 SH   SOLE   965 0 0
FM iShares MSCI Frontier 100 464286145 0 30 SH   SOLE   30 0 0
OEF iShares S&P 100 Index (ETF) 464287101 15 131 SH   SOLE   131 0 0
EEM iShares MSCI Emerging Markets (ETF) 464287234 13 310 SH   SOLE   310 0 0
IVW iShares S&P 500 Growth 464287309 13 82 SH   SOLE   82 0 0
IWD iShares Russell 1000 Value (ETF) 464287598 10 90 SH   SOLE   90 0 0
IWM iShares Russell 2000 (ETF) 464287655 1 12 SH   SOLE   12 0 0
JKJ iShares Morningstar Small-Cap ETF 464288505 6 38 SH   SOLE   38 0 0
IHI iShares U.S. Medical Devices (ETF) 464288810 435 2,171 SH   SOLE   2,171 0 0
AOM iShares S&P Moderate Allocation (ETF) 464289875 43 1,150 SH   SOLE   1,150 0 0
JNJ Johnson & Johnson 478160104 6 56 SH   SOLE   56 0 0
LOW Lowe's Companies 548661107 27 287 SH   SOLE   287 0 0
MKC McCormick & Co Inc Non-Voting 579780206 13 120 SH   SOLE   120 0 0
MCD McDonalds Corp 580135101 19 122 SH   SOLE   122 0 0
MSFT Microsoft 594918104 41 416 SH   SOLE   416 0 0
NFG National Fuel Gas 636180101 30 578 SH   SOLE   578 0 0
NDSN Nordson Corp 655663102 6 52 SH   SOLE   52 0 0
NSC Norfolk Southern 655844108 6 46 SH   SOLE   46 0 0
OKTA Okta Inc 679295105 7 150 SH   SOLE   150 0 0
PPG PPG Industries 693506107 1 18 SH   SOLE   18 0 0
PAYX Paychex Inc. 704326107 19 288 SH   SOLE   288 0 0
PEP PepsiCo 713448108 43 398 SH   SOLE   398 0 0
PM Philip Morris 718172109 18 235 SH   SOLE   235 0 0
PG Procter & Gamble 742718109 10 132 SH   SOLE   132 0 0
RSG Republic Services Inc 760759100 6 100 SH   SOLE   100 0 0
ROST Ross Stores Inc 778296103 9 114 SH   SOLE   114 0 0
SCHW Charles Schwab Corp 808513105 18 363 SH   SOLE   363 0 0
SCHB Schwab U.S. Broad Market (ETF) 808524102 25,307 383,504 SH   SOLE   383,504 0 0
SCHG Schwab US Large-Cap Growth ETF 808524300 2,928 38,645 SH   SOLE   38,645 0 0
SCHA Schwab U.S. Small Idx. 808524607 1,813 24,655 SH   SOLE   24,655 0 0
SCHE Schwab Emerging Markets Equity ETF 808524706 1,989 76,846 SH   SOLE   76,846 0 0
SCHF Schwab International Equity (ETF) 808524805 17,968 543,684 SH   SOLE   543,684 0 0
SCHZ Schwab US Aggregate Bond ETF 808524839 142 2,814 SH   SOLE   2,814 0 0
SBUX Starbucks Corp 855244109 9 200 SH   SOLE   200 0 0
SYK Stryker Corp. 863667101 16 98 SH   SOLE   98 0 0
SYY Sysco Corporation 871829107 21 313 SH   SOLE   313 0 0
TJX TJX Companies Inc 872540109 23 252 SH   SOLE   252 0 0
TXN Texas Instruments 882508104 14 127 SH   SOLE   127 0 0
TTC Toro Co 891092108 10 180 SH   SOLE   180 0 0
URI United Rentals Inc 911363109 10 72 SH   SOLE   72 0 0
UTX United Technologies 913017109 5 47 SH   SOLE   47 0 0
VFC V.F. Corporation 918204108 10 127 SH   SOLE   127 0 0
VXUS Vanguard Total International Stock ETF 921909768 17,711 327,380 SH   SOLE   327,380 0 0
VT Vanguard Total World Stock Index (ETF) 922042742 1,051 14,335 SH   SOLE   14,335 0 0
VWO Vanguard FTSE Emerging Markets (ETF) 922042858 364 8,646 SH   SOLE   8,646 0 0
VTEB Vanguard Tax-Exempt Bond ETF 922907746 2,568 50,380 SH   SOLE   50,380 0 0
VNQ Vanguard REIT (ETF) 922908553 1 20 SH   SOLE   20 0 0
VBK Vanguard Small-Cap Growth ETF 922908595 413 2,353 SH   SOLE   2,353 0 0
VUG VANGUARD GROWTH ETF 922908736 23,107 154,248 SH   SOLE   154,248 0 0
VTI Vanguard Total Stock Market (ETF) 922908769 13,903 99,004 SH   SOLE   99,004 0 0
WMT Wal-Mart Stores Inc. 931142103 19 228 SH   SOLE   228 0 0
AFL AFLAC Inc 001055102 7 164 SH   SOLE   164 0 0
T AT&T 00206R102 15 497 SH   SOLE   497 0 0
ABT Abbott Labs 002824100 89 1,465 SH   SOLE   1,465 0 0
ABBV AbbVie Inc. 00287Y109 107 1,161 SH   SOLE   1,161 0 0
ADAP Adaptimmune Therapeutics Plc Sponds Adr 00653A107 11 1,000 SH   SOLE   1,000 0 0
APD Air Prod & Chemicals 009158106 4 32 SH   SOLE   32 0 0
ADS Alliance Data Systems Corp 018581108 5 24 SH   SOLE   24 0 0
GOOG Google Inc. 02079K107 130 117 SH   SOLE   117 0 0
GOOGL Google Inc. 02079K305 189 168 SH   SOLE   168 0 0
MO Altria Group 02209S103 13 235 SH   SOLE   235 0 0
AMZN Amazon.com 023135106 244 144 SH   SOLE   144 0 0
UHAL Amerco Inc 023586100 3 10 SH   SOLE   10 0 0
AMT American Tower 03027X100 12 84 SH   SOLE   84 0 0
ADI Analog Devices Inc 032654105 23 241 SH   SOLE   241 0 0
AAPL Apple 037833100 698 3,775 SH   SOLE   3,775 0 0
ACBFF Aurora Cannabis Inc 05156X108 2 300 SH   SOLE   300 0 0
ADP Auto Data Processing 053015103 20 153 SH   SOLE   153 0 0
AN Amoco Corp 05329W102 23 488 SH   SOLE   488 0 0
BAC Bank of America Corp 060505104 1 50 SH   SOLE   50 0 0
BDX Becton Dickinson 075887109 25 107 SH   SOLE   107 0 0
BRKB Berkshire Hathaway B 084670702 628 3,368 SH   SOLE   3,368 0 0
BRKA Berkshire Hathaway A 084990175 564 200 SH   SOLE   200 0 0
BLK BlackRock 09247X101 5 12 SH   SOLE   12 0 0
BR Broadridge Financial Solutions Inc 11133T103 17 152 SH   SOLE   152 0 0
CSCO Cisco Systems, Inc. 17275R102 7 170 SH   SOLE   170 0 0
ENV Envestnet Inc 29404K106 20 369 SH   SOLE   369 0 0
FCX Freeport-McMoRan C&G 35671D857 0 30 SH   SOLE   30 0 0
GCP GCP Applied Technologies Inc 36164Y101 1 47 SH   SOLE   47 0 0
GM General Motors Corp 37045V100 18 475 SH   SOLE   475 0 0
LOPE Grand Canyon Education Inc 38526M106 14 131 SH   SOLE   131 0 0
RZV Guggenheim S&P SmallCap 600 PureVal ETF 46137V167 10 135 SH   SOLE   135 0 0
RFV Guggenheim S&P MidCap 400 Pure Val ETF 46137V191 2 40 SH   SOLE   40 0 0
RSP Ryd. S&P 500 Eq. Wt. 46137V357 21 212 SH   SOLE   212 0 0
SPLV PowerShares S&P 500 Low Volatility ETF 46138E354 15 319 SH   SOLE   319 0 0
JPM JP Morgan Chase 46625H100 59 572 SH   SOLE   572 0 0
LGND Ligand Pharmaceuticals Inc 53220K504 8 42 SH   SOLE   42 0 0
NNI Nelnet Inc 64031N108 8 138 SH   SOLE   138 0 0
NFLX Netflix Inc 64110L106 184 472 SH   SOLE   472 0 0
NEE NextEra Energy 65339F101 22 134 SH   SOLE   134 0 0
NVDA NVIDIA Corp 67066G104 28 122 SH   SOLE   122 0 0
ORCL Oracle Corp 68389X105 4 93 SH   SOLE   93 0 0
PYPL PayPal Holdings Inc 70450Y103 6 80 SH   SOLE   80 0 0
BOND PIMCO Total Return (ETF) 72201R775 204 1,983 SH   SOLE   1,983 0 0
MINT PIMCO Enhanced Short Maturity Active ETF 72201R833 12,932 127,350 SH   SOLE   127,350 0 0
PX Praxair Inc. 74005P104 5 34 SH   SOLE   34 0 0
PSA Public Storage, Inc. 74460D109 30 134 SH   SOLE   134 0 0
QRTEA Liberty Interactive Corp Qvc Gp Com Ser A 74915M100 3 157 SH   SOLE   157 0 0
RDVT Unknown Security RDVT 75704L104 0 13 SH   SOLE   13 0 0
TOTL SPDR DoubleLine Total Return Tact ETF 78467V848 317 6,678 SH   SOLE   6,678 0 0
XLE Energy Select Sector SPDR (ETF) 81369Y506 18 250 SH   SOLE   250 0 0
MMM 3M Company 88579Y101 17 87 SH   SOLE   87 0 0
UNH Unitedhealth Group 91324P102 14 58 SH   SOLE   58 0 0
VCIT Vanguard Intermediate-Term Corporate Bond (ETF) 92206C870 87 1,046 SH   SOLE   1,046 0 0
VSM Versum Materials Inc 92532W103 1 31 SH   SOLE   31 0 0
ZBH Zimmer Holdings Inc 98956P102 11 100 SH   SOLE   100 0 0
ACN Accenture Plc G1151C101 23 141 SH   SOLE   141 0 0
MDT Medtronic Inc. G5960L103 459 5,371 SH   SOLE   5,371 0 0
CB Chubb Corp H1467J104 6 48 SH   SOLE   48 0 0