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 14 504 SH   SOLE   504 0 0
BF.B Brown-Forman Corp 115637209 11 227 SH   SOLE   227 0 0
CSX CSX Corp 126408103 14 190 SH   SOLE   190 0 0
CGC Canopy Growth Corporation 138035100 22 470 SH   SOLE   470 0 0
CCL Carnival Corp. 143658300 6 103 SH   SOLE   103 0 0
CVX Chevron Corporation 166764100 5 42 SH   SOLE   42 0 0
CL Colgate Palmolive 194162103 371 5,542 SH   SOLE   5,542 0 0
CBSH Commerce Bancshares Inc 200525103 14 217 SH   SOLE   217 0 0
DHR Danaher Corp Del 235851102 10 100 SH   SOLE   100 0 0
DIS Disney 254687106 23 200 SH   SOLE   200 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 19 122 SH   SOLE   122 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 14 65 SH   SOLE   65 0 0
F Ford Motor Co. 345370860 9 1,000 SH   SOLE   1,000 0 0
IT Gartner Inc 366651107 12 77 SH   SOLE   77 0 0
GD General Dynamics 369550108 21 107 SH   SOLE   107 0 0
GE General Electric Co 369604103 23 2,100 SH   SOLE   2,100 0 0
HBI Hanesbrands Inc 410345102 5 308 SH   SOLE   308 0 0
HRS Harris Corp. Del. 413875105 27 164 SH   SOLE   164 0 0
JKHY Jack Henry & Associates Inc 426281101 22 142 SH   SOLE   142 0 0
HON Honeywell Inc. 438516106 2 17 SH   SOLE   17 0 0
ITW Illinois Tool Works 452308109 20 146 SH   SOLE   146 0 0
IBM International Business Machines Corp. 459200101 145 965 SH   SOLE   965 0 0
OEF iShares S&P 100 Index (ETF) 464287101 17 131 SH   SOLE   131 0 0
EEM iShares MSCI Emerging Markets (ETF) 464287234 10 250 SH   SOLE   250 0 0
IVW iShares S&P 500 Growth 464287309 14 82 SH   SOLE   82 0 0
IBB Ishares Nasdaq Biotechnology 464287556 21 180 SH   SOLE   180 0 0
IWD iShares Russell 1000 Value (ETF) 464287598 11 90 SH   SOLE   90 0 0
IWM iShares Russell 2000 (ETF) 464287655 2 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 494 2,172 SH   SOLE   2,172 0 0
AOM iShares S&P Moderate Allocation (ETF) 464289875 39 1,050 SH   SOLE   1,050 0 0
JNJ Johnson & Johnson 478160104 20 146 SH   SOLE   146 0 0
KEY KeyCorp 493267108 10 550 SH   SOLE   550 0 0
LOW Lowe's Companies 548661107 32 287 SH   SOLE   287 0 0
MKC McCormick & Co Inc Non-Voting 579780206 15 120 SH   SOLE   120 0 0
MCD McDonalds Corp 580135101 32 197 SH   SOLE   197 0 0
MSFT Microsoft 594918104 47 417 SH   SOLE   417 0 0
NFG National Fuel Gas 636180101 9 178 SH   SOLE   178 0 0
NDSN Nordson Corp 655663102 7 52 SH   SOLE   52 0 0
NSC Norfolk Southern 655844108 8 46 SH   SOLE   46 0 0
OKTA Okta Inc 679295105 10 150 SH   SOLE   150 0 0
PPG PPG Industries 693506107 1 18 SH   SOLE   18 0 0
PAYX Paychex Inc. 704326107 21 288 SH   SOLE   288 0 0
PEP PepsiCo 713448108 44 398 SH   SOLE   398 0 0
PFE Pfizer 717081103 8 200 SH   SOLE   200 0 0
PM Philip Morris 718172109 19 235 SH   SOLE   235 0 0
PSX Phillips 66 718546104 11 100 SH   SOLE   100 0 0
PG Procter & Gamble 742718109 6 75 SH   SOLE   75 0 0
RSG Republic Services Inc 760759100 7 100 SH   SOLE   100 0 0
ROST Ross Stores Inc 778296103 11 114 SH   SOLE   114 0 0
SCHW Charles Schwab Corp 808513105 17 364 SH   SOLE   364 0 0
SCHB Schwab U.S. Broad Market 808524102 29,114 413,610 SH   SOLE   413,610 0 0
SCHG Schwab US Large-Cap Growth 808524300 3,106 37,873 SH   SOLE   37,873 0 0
SCHA Schwab U.S. Small Idx. 808524607 1,874 24,611 SH   SOLE   24,611 0 0
SCHE Schwab Emerging Markets Equity ETF 808524706 1,769 68,831 SH   SOLE   68,831 0 0
SCHF Schwab Int'l Equity 808524805 11,976 357,178 SH   SOLE   357,178 0 0
SCHZ Schwab US Aggregate Bond ETF 808524839 86 1,725 SH   SOLE   1,725 0 0
SBUX Starbucks Corp 855244109 11 200 SH   SOLE   200 0 0
SYK Stryker Corp. 863667101 17 98 SH   SOLE   98 0 0
SU Suncor Energy 867224107 3 94 SH   SOLE   94 0 0
SYY Sysco Corporation 871829107 22 313 SH   SOLE   313 0 0
TJX TJX Companies Inc 872540109 28 252 SH   SOLE   252 0 0
TXN Texas Instruments 882508104 13 127 SH   SOLE   127 0 0
TTC Toro Co 891092108 10 180 SH   SOLE   180 0 0
TD Toronto Dominion Bank 891160509 6 100 SH   SOLE   100 0 0
URI United Rentals Inc 911363109 11 72 SH   SOLE   72 0 0
UTX United Technologies 913017109 6 47 SH   SOLE   47 0 0
VFC V.F. Corporation 918204108 11 127 SH   SOLE   127 0 0
VXUS Vanguard Total International Stock ETF 921909768 22,655 419,553 SH   SOLE   419,553 0 0
VT Vanguard Total World Stock 922042742 845 11,147 SH   SOLE   11,147 0 0
VWO Vanguard FTSE Emerging Markets (ETF) 922042858 317 7,736 SH   SOLE   7,736 0 0
VTEB Vanguard Tax-Exempt Bond ETF 922907746 2,565 50,794 SH   SOLE   50,794 0 0
VNQ Vanguard REIT (ETF) 922908553 1 20 SH   SOLE   20 0 0
VBK Vanguard Small-Cap Growth ETF 922908595 440 2,353 SH   SOLE   2,353 0 0
VUG Vanguard Growth ETF 922908736 25,881 160,713 SH   SOLE   160,713 0 0
VTI Vanguard Total Stock Market (ETF) 922908769 14,741 98,505 SH   SOLE   98,505 0 0
WMT Wal-Mart Stores Inc. 931142103 21 228 SH   SOLE   228 0 0
BRK B BERKSHIRE HATHAWAY INCORPORATED CLASS B 084670702 37 175 SH   SOLE   175 0 0
AFL AFLAC Inc 001055102 7 164 SH   SOLE   164 0 0
T AT&T 00206R102 21 640 SH   SOLE   640 0 0
ABT Abbott Labs 002824100 107 1,465 SH   SOLE   1,465 0 0
ABBV AbbVie Inc. 00287Y109 109 1,161 SH   SOLE   1,161 0 0
APD Air Prod & Chemicals 009158106 5 32 SH   SOLE   32 0 0
ARE ALEXANDRIA REAL ESTATE EQUITIES INC 015271109 25 200 SH   SOLE   200 0 0
AQN ALGONQUIN POWER & UTILITIES CORP 015857105 2 200 SH   SOLE   200 0 0
ADS Alliance Data Systems Corp 018581108 5 24 SH   SOLE   24 0 0
GOOG Google Inc. 02079K107 163 137 SH   SOLE   137 0 0
GOOGL Google Inc. 02079K305 202 168 SH   SOLE   168 0 0
MO Altria Group 02209S103 14 235 SH   SOLE   235 0 0
AMZN Amazon.com 023135106 288 144 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 22 241 SH   SOLE   241 0 0
APA Apache Corp. 037411105 16 350 SH   SOLE   350 0 0
AAPL Apple 037833100 852 3,776 SH   SOLE   3,776 0 0
WTR AQUA AMERICA INC 03836W103 4 125 SH   SOLE   125 0 0
ACBFF Aurora Cannabis Inc 05156X108 2 300 SH   SOLE   300 0 0
ADP Auto Data Processing 053015103 23 153 SH   SOLE   153 0 0
AN AutoNation Inc 05329W102 20 488 SH   SOLE   488 0 0
BAC Bank of America Corp 060505104 1 50 SH   SOLE   50 0 0
BDX Becton Dickinson 075887109 39 152 SH   SOLE   152 0 0
BRKB Berkshire Hathaway B 084670702 721 3,368 SH   SOLE   3,368 0 0
84,990,175 Berkshire Hathaway A 084990175 640 200 SH   SOLE   200 0 0
BLK BlackRock 09247X101 5 12 SH   SOLE   12 0 0
BR Broadridge Financial Solutions Inc 11133T103 20 152 SH   SOLE   152 0 0
CSCO Cisco Systems, Inc. 17275R102 8 170 SH   SOLE   170 0 0
CMCSA Comcast Corp. 20030N101 4 120 SH   SOLE   120 0 0
D Dominion Res Inc 25746U109 7 111 SH   SOLE   111 0 0
EOG EOG Resources Inc 26875P101 12 100 SH   SOLE   100 0 0
EW Edward Lifesciences 28176E108 15 90 SH   SOLE   90 0 0
ENV Envestnet Inc 29404K106 22 369 SH   SOLE   369 0 0
XOM Exxon Mobil Corp 30231G102 20 245 SH   SOLE   245 0 0
FDX FEDEX CORP 31428X106 6 25 SH   SOLE   25 0 0
GCP GCP Applied Technologies Inc 36164Y101 1 47 SH   SOLE   47 0 0
GM General Motors Corp 37045V100 16 480 SH   SOLE   480 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 22 212 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 64 572 SH   SOLE   572 0 0
KMI Kinder Morgan Inc/DE 49456B101 8 455 SH   SOLE   455 0 0
LGND Ligand Pharmaceuticals Inc 53220K504 11 42 SH   SOLE   42 0 0
LSI LSI Logic 53223X107 47 500 SH   SOLE   500 0 0
MTB M&T Bank 55261F104 16 100 SH   SOLE   100 0 0
MA MasterCard Inc. 57636Q104 11 50 SH   SOLE   50 0 0
NNI Nelnet Inc 64031N108 7 138 SH   SOLE   138 0 0
NFLX Netflix Inc 64110L106 176 472 SH   SOLE   472 0 0
NEE NextEra Energy 65339F101 22 134 SH   SOLE   134 0 0
NVDA NVIDIA Corp 67066G104 85 305 SH   SOLE   305 0 0
ORCL Oracle Corp 68389X105 4 93 SH   SOLE   93 0 0
PYPL PayPal Holdings Inc 70450Y103 7 80 SH   SOLE   80 0 0
BOND PIMCO Total Return (ETF) 72201R775 202 1,983 SH   SOLE   1,983 0 0
MINT PIMCO Enhanced Short Maturity ETF 72201R833 12,929 127,234 SH   SOLE   127,234 0 0
PX Praxair Inc. 74005P104 5 34 SH   SOLE   34 0 0
PSA Public Storage, Inc. 74460D109 27 135 SH   SOLE   135 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 315 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 28 137 SH   SOLE   137 0 0
TRV The Travelers Companies 89417E109 6 50 SH   SOLE   50 0 0
UNH Unitedhealth Group 91324P102 28 108 SH   SOLE   108 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
VNOM Viper Energy Partners LP 92763M105 12 300 SH   SOLE   300 0 0
WELL WELLTOWER INC 95040Q104 47 740 SH   SOLE   740 0 0
XYL XYLEM INC 98419M100 15 200 SH   SOLE   200 0 0
ACN Accenture Plc G1151C101 23 141 SH   SOLE   141 0 0
MDT Medtronic Inc. G5960L103 576 5,865 SH   SOLE   5,865 0 0
CB Chubb Corp H1467J104 6 48 SH   SOLE   48 0 0