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
Estimated average burden
hours per response: 23.8
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
DDD 3D Systems 88554D205 0 25 SH   SOLE   25 0 0
MMM 3M Company 88579Y101 26 137 SH   SOLE   137 0 0
ABT Abbott Labs 002824100 105 1,465 SH   SOLE   1,465 0 0
ABBV AbbVie Inc. 00287Y109 107 1,161 SH   SOLE   1,161 0 0
ACN Accenture Plc G1151C101 19 141 SH   SOLE   141 0 0
AFL AFLAC Inc 001055102 7 164 SH   SOLE   164 0 0
APD Air Prod & Chemicals 009158106 5 32 SH   SOLE   32 0 0
ARE ALEXANDRIA REAL ESTATE EQUITIES INC 015271109 23 200 SH   SOLE   200 0 0
AQN ALGONQUIN POWER & UTILITIES CORP 015857105 2 200 SH   SOLE   200 0 0
ADS Alliance Data Systems Corp 018581108 3 24 SH   SOLE   24 0 0
MO Altria Group 02209S103 11 235 SH   SOLE   235 0 0
AMRN Amarin Corp PLC ADR 023111206 166 12,250 SH   SOLE   12,250 0 0
AMZN Amazon.com 023135106 357 238 SH   SOLE   238 0 0
UHAL Amerco Inc 023586100 3 10 SH   SOLE   10 0 0
AMT American Tower 03027X100 13 84 SH   SOLE   84 0 0
ADI Analog Devices Inc 032654105 20 241 SH   SOLE   241 0 0
AAPL Apple 037833100 847 5,375 SH   SOLE   5,375 0 0
WTR AQUA AMERICA INC 03836W103 4 125 SH   SOLE   125 0 0
T AT&T 00206R102 22 782 SH   SOLE   782 0 0
ACB Aurora Cannabis Inc 05156X108 2 600 SH   SOLE   600 0 0
ADP Auto Data Processing 053015103 20 153 SH   SOLE   153 0 0
AN AutoNation Inc 05329W102 17 488 SH   SOLE   488 0 0
BAC Bank of America Corp 060505104 1 50 SH   SOLE   50 0 0
BDX Becton Dickinson 075887109 34 152 SH   SOLE   152 0 0
84,990,175 Berkshire Hathaway A 084990175 612 200 SH   SOLE   200 0 0
BRKB Berkshire Hathaway B 084670702 738 3,618 SH   SOLE   3,618 0 0
BLK BlackRock 09247X101 4 12 SH   SOLE   12 0 0
BR Broadridge Financial Solutions Inc 11133T103 14 152 SH   SOLE   152 0 0
BRO Brown & Brown Inc 115236101 13 504 SH   SOLE   504 0 0
BF.B Brown-Forman Corp 115637209 10 227 SH   SOLE   227 0 0
CGC Canopy Growth Corporation 138035100 5 200 SH   SOLE   200 0 0
CCL Carnival Corp. 143658300 5 104 SH   SOLE   104 0 0
SCHW Charles Schwab Corp 808513105 15 365 SH   SOLE   365 0 0
CVX Chevron Corporation 166764100 4 42 SH   SOLE   42 0 0
CB Chubb Corp H1467J104 6 48 SH   SOLE   48 0 0
CSCO Cisco Systems, Inc. 17275R102 7 170 SH   SOLE   170 0 0
CL Colgate Palmolive 194162103 332 5,582 SH   SOLE   5,582 0 0
CMCSA Comcast Corp. 20030N101 4 120 SH   SOLE   120 0 0
CBSH Commerce Bancshares Inc 200525103 12 227 SH   SOLE   227 0 0
CSX CSX Corp 126408103 11 190 SH   SOLE   190 0 0
DHR Danaher Corp Del 235851102 15 150 SH   SOLE   150 0 0
DFS Discover Financial Svcs 254709108 5 90 SH   SOLE   90 0 0
DIS Disney 254687106 21 200 SH   SOLE   200 0 0
D Dominion Res Inc 25746U109 7 111 SH   SOLE   111 0 0
EMN Eastman Chemical Co. 277432100 4 58 SH   SOLE   58 0 0
EV Eaton Vance Corporation 278265103 1 55 SH   SOLE   55 0 0
ECL Ecolab 278865100 25 172 SH   SOLE   172 0 0
EW Edward Lifesciences 28176E108 13 90 SH   SOLE   90 0 0
EMR Emerson Electric 291011104 4 76 SH   SOLE   76 0 0
XLE Energy Select Sector SPDR (ETF) 81369Y506 14 250 SH   SOLE   250 0 0
ENV Envestnet Inc 29404K106 18 369 SH   SOLE   369 0 0
XOM Exxon Mobil Corp 30231G102 16 245 SH   SOLE   245 0 0
FDS Factset Research Systems 303075105 13 65 SH   SOLE   65 0 0
FDX FEDEX CORP 31428X106 4 25 SH   SOLE   25 0 0
F Ford Motor Co. 345370860 7 1,000 SH   SOLE   1,000 0 0
FCX Freeport-McMoRan C&G 35671D857 0 30 SH   SOLE   30 0 0
IT Gartner Inc 366651107 9 77 SH   SOLE   77 0 0
GCP GCP Applied Technologies Inc 36164Y101 1 47 SH   SOLE   47 0 0
GD General Dynamics 369550108 16 107 SH   SOLE   107 0 0
GE General Electric Co 369604103 17 2,300 SH   SOLE   2,300 0 0
GM General Motors Corp 37045V100 19 578 SH   SOLE   578 0 0
GOOG Google Inc. 02079K107 141 137 SH   SOLE   137 0 0
GOOGL Google Inc. 02079K305 175 168 SH   SOLE   168 0 0
LOPE Grand Canyon Education Inc 38526M106 12 131 SH   SOLE   131 0 0
RFV Guggenheim S&P MidCap 400 Pure Val ETF 46137V191 2 40 SH   SOLE   40 0 0
RZV Guggenheim S&P SmallCap 600 PureVal ETF 46137V167 7 135 SH   SOLE   135 0 0
HBI Hanesbrands Inc 410345102 3 308 SH   SOLE   308 0 0
HRS Harris Corp. Del. 413875105 22 164 SH   SOLE   164 0 0
HON Honeywell Inc. 438516106 2 17 SH   SOLE   17 0 0
ITW Illinois Tool Works 452308109 18 146 SH   SOLE   146 0 0
INTC Intel 458140100 4 100 SH   SOLE   100 0 0
IBM International Business Machines Corp. 459200101 109 965 SH   SOLE   965 0 0
USMV iShares Edge MSCI Min Vol USA 46429B697 21,256 405,649 SH   SOLE   405,649 0 0
JKJ iShares Morningstar Small-Cap ETF 464288505 5 38 SH   SOLE   38 0 0
FM iShares MSCI Frontier 100 464286145 0 30 SH   SOLE   30 0 0
IBB Ishares Nasdaq Biotechnology 464287556 17 180 SH   SOLE   180 0 0
IWD iShares Russell 1000 Value (ETF) 464287598 9 90 SH   SOLE   90 0 0
IWM iShares Russell 2000 (ETF) 464287655 1 12 SH   SOLE   12 0 0
OEF iShares S&P 100 Index (ETF) 464287101 14 132 SH   SOLE   132 0 0
IVW iShares S&P 500 Growth 464287309 12 82 SH   SOLE   82 0 0
AOM iShares S&P Moderate Allocation (ETF) 464289875 37 1,050 SH   SOLE   1,050 0 0
IHI iShares U.S. Medical Devices (ETF) 464288810 444 2,226 SH   SOLE   2,226 0 0
JKHY Jack Henry & Associates Inc 426281101 17 142 SH   SOLE   142 0 0
JNJ Johnson & Johnson 478160104 44 341 SH   SOLE   341 0 0
JPM JP Morgan Chase 46625H100 55 572 SH   SOLE   572 0 0
KEY KeyCorp 493267108 11 750 SH   SOLE   750 0 0
KMI Kinder Morgan Inc/DE 49456B101 9 610 SH   SOLE   610 0 0
QRTEA Liberty Interactive Corp Qvc Gp Com Ser A 74915M100 3 157 SH   SOLE   157 0 0
LGND Ligand Pharmaceuticals Inc 53220K504 5 42 SH   SOLE   42 0 0
LIN Linde plc G5494J103 5 34 SH   SOLE   34 0 0
LOW Lowe's Companies 548661107 26 287 SH   SOLE   287 0 0
LSI LSI Logic 53223X107 58 625 SH   SOLE   625 0 0
MTB M&T Bank 55261F104 14 100 SH   SOLE   100 0 0
MA MasterCard Inc. 57636Q104 18 100 SH   SOLE   100 0 0
MKC McCormick & Co Inc Non-Voting 579780206 16 120 SH   SOLE   120 0 0
MCD McDonalds Corp 580135101 34 197 SH   SOLE   197 0 0
MDT Medtronic Inc. G5960L103 542 5,965 SH   SOLE   5,965 0 0
MSFT Microsoft 594918104 39 389 SH   SOLE   389 0 0
NFG National Fuel Gas 636180101 11 223 SH   SOLE   223 0 0
NNI Nelnet Inc 64031N108 7 138 SH   SOLE   138 0 0
NSRGY NESTLE SA ADR 641069406 16 200 SH   SOLE   200 0 0
NFLX Netflix Inc 64110L106 126 472 SH   SOLE   472 0 0
NEE NextEra Energy 65339F101 23 134 SH   SOLE   134 0 0
NDSN Nordson Corp 655663102 6 52 SH   SOLE   52 0 0
NSC Norfolk Southern 655844108 6 46 SH   SOLE   46 0 0
NVDA NVIDIA Corp 67066G104 47 355 SH   SOLE   355 0 0
OHI Omega Healthcare Investors Inc 681936100 16 467 SH   SOLE   467 0 0
ORCL Oracle Corp 68389X105 4 93 SH   SOLE   93 0 0
PAYX Paychex Inc. 704326107 18 288 SH   SOLE   288 0 0
PEP PepsiCo 713448108 20 181 SH   SOLE   181 0 0
PFE Pfizer 717081103 8 200 SH   SOLE   200 0 0
PM Philip Morris 718172109 15 235 SH   SOLE   235 0 0
PSX Phillips 66 718546104 8 100 SH   SOLE   100 0 0
MINT PIMCO Enhanced Short Maturity ETF 72201R833 13,883 137,533 SH   SOLE   137,533 0 0
BOND PIMCO Total Return (ETF) 72201R775 166 1,619 SH   SOLE   1,619 0 0
SPLV PowerShares S&P 500 Low Volatility ETF 46138E354 14 319 SH   SOLE   319 0 0
PPG PPG Industries 693506107 1 18 SH   SOLE   18 0 0
PFG Principal Financial Group Inc 74251V102 12 291 SH   SOLE   291 0 0
PG Procter & Gamble 742718109 6 76 SH   SOLE   76 0 0
PSA Public Storage, Inc. 74460D109 27 137 SH   SOLE   137 0 0
RSG Republic Services Inc 760759100 7 100 SH   SOLE   100 0 0
REZI Resideo Technologies Inc 76118Y104 0 2 SH   SOLE   2 0 0
ROST Ross Stores Inc 778296103 9 114 SH   SOLE   114 0 0
RSP Ryd. S&P 500 Eq. Wt. 46137V357 19 212 SH   SOLE   212 0 0
SCHF Schwab Int'l Equity 808524805 17,493 617,043 SH   SOLE   617,043 0 0
SCHB Schwab U.S. Broad Market 808524102 27,107 452,312 SH   SOLE   452,312 0 0
SCHA Schwab U.S. Small Idx. 808524607 7 128 SH   SOLE   128 0 0
SCHZ Schwab US Aggregate Bond ETF 808524839 68 1,362 SH   SOLE   1,362 0 0
SCHX Schwab US Large-Cap ETF 808524201 1,432 24,001 SH   SOLE   24,001 0 0
SCHG Schwab US Large-Cap Growth 808524300 2,240 32,511 SH   SOLE   32,511 0 0
TOTL SPDR DoubleLine Total Return Tact ETF 78467V848 262 5,533 SH   SOLE   5,533 0 0
SBUX Starbucks Corp 855244109 12 200 SH   SOLE   200 0 0
SYK Stryker Corp. 863667101 15 98 SH   SOLE   98 0 0
SU Suncor Energy 867224107 2 94 SH   SOLE   94 0 0
SYY Sysco Corporation 871829107 19 313 SH   SOLE   313 0 0
TXN Texas Instruments 882508104 12 127 SH   SOLE   127 0 0
TRV The Travelers Companies 89417E109 5 50 SH   SOLE   50 0 0
TJX TJX Companies Inc 872540109 22 504 SH   SOLE   504 0 0
TTC Toro Co 891092108 10 180 SH   SOLE   180 0 0
TD Toronto Dominion Bank 891160509 4 100 SH   SOLE   100 0 0
URI United Rentals Inc 911363109 7 72 SH   SOLE   72 0 0
UTX United Technologies 913017109 5 47 SH   SOLE   47 0 0
UNH Unitedhealth Group 91324P102 26 108 SH   SOLE   108 0 0
RDVT Unknown Security RDVT 75704L104 0 13 SH   SOLE   13 0 0
VFC V.F. Corporation 918204108 9 127 SH   SOLE   127 0 0
VOO Vanguard 500 ETF 922908363 213 927 SH   SOLE   927 0 0
VSGX Vanguard ESG International Stock ETF 921910725 52 1,176 SH   SOLE   1,176 0 0
VWO Vanguard FTSE Emerging Markets (ETF) 922042858 0 1 SH   SOLE   1 0 0
VUG Vanguard Growth ETF 922908736 15,353 114,296 SH   SOLE   114,296 0 0
VCIT Vanguard Intermediate-Term Corporate Bond (ETF) 92206C870 86 1,046 SH   SOLE   1,046 0 0
VNQ Vanguard REIT (ETF) 922908553 1 20 SH   SOLE   20 0 0
VTEB Vanguard Tax-Exempt Bond ETF 922907746 2,915 57,113 SH   SOLE   57,113 0 0
VXUS Vanguard Total International Stock ETF 921909768 3,894 82,466 SH   SOLE   82,466 0 0
VTI Vanguard Total Stock Market (ETF) 922908769 12,671 99,280 SH   SOLE   99,280 0 0
VT Vanguard Total World Stock 922042742 77 1,190 SH   SOLE   1,190 0 0
VZ Verizon Communications 92343V104 3 60 SH   SOLE   60 0 0
VSM Versum Materials Inc 92532W103 0 31 SH   SOLE   31 0 0
VNOM Viper Energy Partners LP 92763M105 7 300 SH   SOLE   300 0 0
WMT Wal-Mart Stores Inc. 931142103 21 228 SH   SOLE   228 0 0
WELL WELLTOWER INC 95040Q104 51 740 SH   SOLE   740 0 0
XYL XYLEM INC 98419M100 13 200 SH   SOLE   200 0 0