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
Barings Corporate Investors (M BDFUND 06759X107 5,117 338,646 SH   SOLE   169,323 0 169,323
Barings Participation Inv (MPV BDFUND 06761A103 1,144 78,366 SH   SOLE   39,183 0 39,183
IShares IBonds Sep 2019 Muni ( BDFUND 46429B564 406 16,000 SH   SOLE   8,000 0 8,000
Invesco Bullestshares 2021 (BS BDFUND 46138J700 583 28,100 SH   SOLE   14,050 0 14,050
SPDR Int Corporate Bond ETF (S BDFUND 78464A375 1,515 45,524 SH   SOLE   22,762 0 22,762
SPDR Inv't Grade Floating Rate BDFUND 78468R200 5,687 184,950 SH   SOLE   92,475 0 92,475
SPDR Nuveen Barclays Shrt Term BDFUND 78468R739 3,281 68,374 SH   SOLE   34,187 0 34,187
SPDR Nuveen Bloomberg Municipa BDFUND 78468R721 502 10,454 SH   SOLE   5,227 0 5,227
Schwab Aggregate Bond ETF (SCH BDFUND 808524839 2,279 45,000 SH   SOLE   22,500 0 22,500
Schwab US Tips ETF (SCHP) BDFUND 808524870 1,742 31,720 SH   SOLE   15,860 0 15,860
VanEck Vectors AMT-Free Shrt M BDFUND 92189F528 1,139 66,000 SH   SOLE   33,000 0 33,000
Vanguard Intermediate Corp Bon BDFUND 92206C870 13,793 165,142 SH   SOLE   82,571 0 82,571
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409 26,456 338,744 SH   SOLE   169,372 0 169,372
iShares 1-3 Yr Treasury Bond F BDFUND 464287457 456 5,472 SH   SOLE   2,736 0 2,736
iShares Barclays 1-3 Yr Credit BDFUND 464288646 8,647 83,380 SH   SOLE   41,690 0 41,690
iShares Floating Rate Note Fun BDFUND 46429B655 755 14,800 SH   SOLE   7,400 0 7,400
iShares National Muni Bond (MU BDFUND 464288414 7,660 70,250 SH   SOLE   35,125 0 35,125
iShares Short Term Nat'l Muni BDFUND 464288158 7,745 73,750 SH   SOLE   36,875 0 36,875
iShares TIPS Bond Fund (TIP) BDFUND 464287176 5,815 51,522 SH   SOLE   25,761 0 25,761
H C P Inc Reit (HCP) REIT 40414L109 1,335 51,700 SH   SOLE   25,850 0 25,850
Invesco Mortgage Capital Inc ( REIT 46131B100 584 36,700 SH   SOLE   18,350 0 18,350
Schwab REIT ETF (SCHH) REIT 808524847 1,210 28,950 SH   SOLE   14,475 0 14,475
Vanguard REIT Index ETF (VNQ) REIT 922908553 1,043 12,806 SH   SOLE   6,403 0 6,403
Weyerhauser (WY) REIT 962166104 3,787 103,880 SH   SOLE   51,940 0 51,940
3M Company (MMM) COM 88579Y101 1,671 8,496 SH   SOLE   4,248 0 4,248
A F L A C Inc. (AFL) COM 001055102 873 20,300 SH   SOLE   10,150 0 10,150
AT&T Inc. (T) COM 00206R102 2,015 62,740 SH   SOLE   31,370 0 31,370
Abbott Laboratories (ABT) COM 002824100 2,449 40,162 SH   SOLE   20,081 0 20,081
Abbvie Inc (ABBV) COM 00287Y109 1,626 17,552 SH   SOLE   8,776 0 8,776
Accenture PLC (ACN) COM G1151C101 771 4,710 SH   SOLE   2,355 0 2,355
Aetna Inc (AET) COM 00817Y108 1,716 9,350 SH   SOLE   4,675 0 4,675
Alphabet Class A (GOOGL) COM 02079K305 779 690 SH   SOLE   345 0 345
Alphabet Class C (GOOG) COM 02079K107 3,501 3,138 SH   SOLE   1,569 0 1,569
Amazon Com Inc (AMZN) COM 023135106 5,263 3,096 SH   SOLE   1,548 0 1,548
Amgen Incorporated (AMGN) COM 031162100 511 2,770 SH   SOLE   1,385 0 1,385
Apple Computer (AAPL) COM 037833100 7,714 41,672 SH   SOLE   20,836 0 20,836
ArQule Inc (ARQL) COM 04269E107 578 104,572 SH   SOLE   52,286 0 52,286
Auto Data Processing (ADP) COM 053015103 714 5,320 SH   SOLE   2,660 0 2,660
Autodesk Inc. (ADSK) COM 052769106 2,124 16,200 SH   SOLE   8,100 0 8,100
BWX Technologies (BWXT) COM 05605H100 882 14,150 SH   SOLE   7,075 0 7,075
Bank of Montreal (BMO) COM 063671101 2,213 28,650 SH   SOLE   14,325 0 14,325
Bank of New York (BK) COM 064058100 520 9,650 SH   SOLE   4,825 0 4,825
Becton Dickinson (BDX) COM 075887109 604 2,520 SH   SOLE   1,260 0 1,260
Bemis Co. (BMS) COM 081437105 696 16,500 SH   SOLE   8,250 0 8,250
Berkshire Hathaway Cl B (BRKB) COM 084670702 3,021 16,188 SH   SOLE   8,094 0 8,094
BioTelemetry (BEAT) COM 090672106 1,138 25,280 SH   SOLE   12,640 0 12,640
Boeing Company (BA) COM 097023105 1,094 3,260 SH   SOLE   1,630 0 1,630
Bristol-Myers Squibb (BMY) COM 110122108 654 11,814 SH   SOLE   5,907 0 5,907
CVS Health Corp. (CVS) COM 126650100 913 14,190 SH   SOLE   7,095 0 7,095
Canadian National Railway (CNI COM 136375102 523 6,400 SH   SOLE   3,200 0 3,200
Celanese (CE) COM 150870103 1,566 14,100 SH   SOLE   7,050 0 7,050
Check Point Software Tech (CHK COM M22465104 1,641 16,800 SH   SOLE   8,400 0 8,400
Chevron Corp (CVX) COM 166764100 1,572 12,436 SH   SOLE   6,218 0 6,218
Cincinnati Financial (CINF) COM 172062101 427 6,390 SH   SOLE   3,195 0 3,195
Cisco Systems Inc. (CSCO) COM 17275R102 3,193 74,194 SH   SOLE   37,097 0 37,097
Coca Cola Company (KO) COM 191216100 803 18,300 SH   SOLE   9,150 0 9,150
Colgate-Palmolive Co. (CL) COM 194162103 1,093 16,870 SH   SOLE   8,435 0 8,435
Comcast Corp NEW CL A (CMCSA) COM 20030N101 948 28,904 SH   SOLE   14,452 0 14,452
Conagra Brands (CAG) COM 205887102 432 12,100 SH   SOLE   6,050 0 6,050
Danaher Corp (DHR) COM 235851102 542 5,490 SH   SOLE   2,745 0 2,745
Disney Walt Hldg. Co. (DIS) COM 254687106 2,657 25,350 SH   SOLE   12,675 0 12,675
DowDuPont Inc (DWDP) COM 26078J100 2,461 37,328 SH   SOLE   18,664 0 18,664
ETFMG Prime Cyber Security ETF COM 26924G201 1,031 27,870 SH   SOLE   13,935 0 13,935
Exxon Mobil (XOM) COM 30231G102 5,543 66,998 SH   SOLE   33,499 0 33,499
FDX Corporation (FDX) COM 31428X106 749 3,300 SH   SOLE   1,650 0 1,650
Fastenal Company (FAST) COM 311900104 518 10,766 SH   SOLE   5,383 0 5,383
General Electric Company (GE) COM 369604103 1,071 78,728 SH   SOLE   39,364 0 39,364
General Mills, Inc. (GIS) COM 370334104 572 12,920 SH   SOLE   6,460 0 6,460
Gilead Sciences Inc. (GILD) COM 375558103 1,665 23,500 SH   SOLE   11,750 0 11,750
Globalstar Inc. (GSAT) COM 378973408 19 39,280 SH   SOLE   19,640 0 19,640
Graco Inc (GGG) COM 384109104 1,058 23,406 SH   SOLE   11,703 0 11,703
Hamilton Beach Brands Cl A (HB COM 40701T104 1,978 68,084 SH   SOLE   34,042 0 34,042
Hamilton Beach Brands Cl B Res COM 40701T203 2,000 68,840 SH   SOLE   34,420 0 34,420
Heska Corp (HSKA) COM 42805E306 592 5,700 SH   SOLE   2,850 0 2,850
Hologic Inc (HOLX) COM 436440101 847 21,296 SH   SOLE   10,648 0 10,648
Home Depot Inc. (HD) COM 437076102 2,721 13,948 SH   SOLE   6,974 0 6,974
Honeywell International (HON) COM 438516106 1,282 8,902 SH   SOLE   4,451 0 4,451
Hormel Foods (HRL) COM 440452100 1,336 35,901 SH   SOLE   17,951 0 17,951
Hyster-Yale Materials Handling COM 449172105 3,939 61,304 SH   SOLE   30,652 0 30,652
Illinois Tool Works Inc (ITW) COM 452308109 1,000 7,220 SH   SOLE   3,610 0 3,610
Innophos Holdings (IPHS) COM 45774N108 543 11,400 SH   SOLE   5,700 0 5,700
Inogen, Inc (INGN) COM 45780L104 3,181 17,070 SH   SOLE   8,535 0 8,535
Intel Corp. (INTC) COM 458140100 3,778 75,994 SH   SOLE   37,997 0 37,997
Intl Business Machines (IBM) COM 459200101 1,329 9,516 SH   SOLE   4,758 0 4,758
Invesco Water Resource Port (P COM 46137V142 1,014 33,570 SH   SOLE   16,785 0 16,785
J P Morgan Chase & Co (JPM) COM 46625H100 2,593 24,888 SH   SOLE   12,444 0 12,444
J.M. Smuckers Co (SJM) COM 832696405 1,507 14,020 SH   SOLE   7,010 0 7,010
JetBlue Airways Corp (JBLU) COM 477143101 892 47,000 SH   SOLE   23,500 0 23,500
Johnson & Johnson (JNJ) COM 478160104 3,705 30,532 SH   SOLE   15,266 0 15,266
Kohlberg Kravis & Co (KKR) COM 48251W104 2,162 87,000 SH   SOLE   43,500 0 43,500
Korn Ferry International (KFY) COM 500643200 1,780 28,750 SH   SOLE   14,375 0 14,375
Lilly Eli & Company (LLY) COM 532457108 1,244 14,576 SH   SOLE   7,288 0 7,288
Manpower Inc (MAN) COM 56418H100 551 6,400 SH   SOLE   3,200 0 3,200
McDonalds Corp (MCD) COM 580135101 1,008 6,432 SH   SOLE   3,216 0 3,216
Merck & Co Inc. (MRK) COM 589331107 1,062 17,490 SH   SOLE   8,745 0 8,745
Microsoft Corp. (MSFT) COM 594918104 4,591 46,558 SH   SOLE   23,279 0 23,279
Nacco Inds Inc CL A (NC) COM 629579103 1,305 38,654 SH   SOLE   19,327 0 19,327
National Grid ADS (NGG) COM 636274409 1,085 19,434 SH   SOLE   9,717 0 9,717
NextEra Energy (NEE) COM 65339F101 1,261 7,550 SH   SOLE   3,775 0 3,775
Norfolk Southern Cop (NSC) COM 655844108 490 3,250 SH   SOLE   1,625 0 1,625
Oracle Corp. (ORCL) COM 68389X105 570 12,934 SH   SOLE   6,467 0 6,467
PPL Corporation (PPL) COM 69351T106 427 14,972 SH   SOLE   7,486 0 7,486
PepsiCo Inc. (PEP) COM 713448108 3,042 27,942 SH   SOLE   13,971 0 13,971
Pfizer Inc (PFE) COM 717081103 2,185 60,237 SH   SOLE   30,118 0 30,118
Phillips 66 (PSX) COM 718546104 1,416 12,604 SH   SOLE   6,302 0 6,302
Procter & Gamble (PG) COM 742718109 1,937 24,818 SH   SOLE   12,409 0 12,409
ROBO Gbl Robotics & Auto'n ETF COM 301505707 1,024 25,610 SH   SOLE   12,805 0 12,805
SPDR Biotech ETF (XBI) COM 78464A870 438 4,600 SH   SOLE   2,300 0 2,300
SYNNEX Corp (SNX) COM 87162W100 690 7,150 SH   SOLE   3,575 0 3,575
Schlumberger Ltd (SLB) COM 806857108 1,993 29,732 SH   SOLE   14,866 0 14,866
Scotts Company (SMG) COM 810186106 647 7,780 SH   SOLE   3,890 0 3,890
Smith & Nephew (SNN) COM 83175M205 1,197 31,900 SH   SOLE   15,950 0 15,950
Sonoco Products (SON) COM 835495102 1,675 31,900 SH   SOLE   15,950 0 15,950
Southwest Airlines (LUV) COM 844741108 799 15,710 SH   SOLE   7,855 0 7,855
Standard Motor Products (SMP) COM 853666105 713 14,752 SH   SOLE   7,376 0 7,376
State Street Corp (STT) COM 857477103 1,410 15,150 SH   SOLE   7,575 0 7,575
Stryker Corp. (SYK) COM 863667101 576 3,410 SH   SOLE   1,705 0 1,705
Sysco Corp. (SYY) COM 871829107 2,254 33,010 SH   SOLE   16,505 0 16,505
T Rowe Price Group (TROW) COM 74144T108 997 8,590 SH   SOLE   4,295 0 4,295
TJX Cos Inc (TJX) COM 872540109 3,088 32,442 SH   SOLE   16,221 0 16,221
Taiwan Semiconductor ADRF Spon COM 874039100 958 26,200 SH   SOLE   13,100 0 13,100
Target Corporation (TGT) COM 87612E106 1,108 14,550 SH   SOLE   7,275 0 7,275
Texas Instruments Inc (TXN) COM 882508104 872 7,910 SH   SOLE   3,955 0 3,955
The Trading Desk Inc (TTD) COM 88339J105 492 5,250 SH   SOLE   2,625 0 2,625
Trex Inc (TREX) COM 89531P105 1,052 16,800 SH   SOLE   8,400 0 8,400
Tyson Foods (TSN) COM 902494103 929 13,500 SH   SOLE   6,750 0 6,750
US Bancorp (USB) COM 902973304 2,098 41,950 SH   SOLE   20,975 0 20,975
Ulta Beauty (ULTA) COM 903845303 1,354 5,800 SH   SOLE   2,900 0 2,900
Unilever NV NY SHS NEWF (UN) COM 904784709 866 15,540 SH   SOLE   7,770 0 7,770
Union Pacific Corp. (UNP) COM 907818108 683 4,820 SH   SOLE   2,410 0 2,410
United Technologies (UTX) COM 913017109 2,554 20,424 SH   SOLE   10,212 0 10,212
Unitedhealth Group Inc. (UNH) COM 91324P102 810 3,300 SH   SOLE   1,650 0 1,650
VMware (VMW) COM 928563402 460 3,130 SH   SOLE   1,565 0 1,565
Verisk Analytics (VRSK) COM 92345Y106 1,478 13,730 SH   SOLE   6,865 0 6,865
Verizon Communications (VZ) COM 92343V104 2,630 52,270 SH   SOLE   26,135 0 26,135
Visa Inc (V) COM 92826C839 719 5,430 SH   SOLE   2,715 0 2,715
Wells Fargo & Co. (WFC) COM 949746101 1,972 35,566 SH   SOLE   17,783 0 17,783
Western Union Company (WU) COM 959802109 411 20,200 SH   SOLE   10,100 0 10,100
Zimmer Biomet Holdings Inc. (Z COM 98956P102 533 4,786 SH   SOLE   2,393 0 2,393
IShares S&P 100 Index (OEF) ETF 464287101 610 5,100 SH   SOLE   2,550 0 2,550
Invesco S&P 500 Equal Weighted ETF 46137V357 3,923 38,506 SH   SOLE   19,253 0 19,253
Invesco SP500 Hi Div Low Vol ( ETF 46138E362 879 21,414 SH   SOLE   10,707 0 10,707
SPDR S&P Dividend ETF (SDY) ETF 78464A763 788 8,500 SH   SOLE   4,250 0 4,250
SPDR S&P Midcap 400 (MDY) ETF 78467Y107 14,684 41,360 SH   SOLE   20,680 0 20,680
SPDR Trust S&P 500 (SPY) ETF 78462F103 486 1,790 SH   SOLE   895 0 895
Schwab Large Cap Growth ETF (S ETF 808524300 5,555 73,307 SH   SOLE   36,654 0 36,654
Schwab Large Cap US ETF (SCHX) ETF 808524201 1,195 18,388 SH   SOLE   9,194 0 9,194
Schwab US Broad Market ETF (SC ETF 808524102 4,284 64,920 SH   SOLE   32,460 0 32,460
Schwab US Mid Cap ETF (SCHM) ETF 808524508 8,166 148,770 SH   SOLE   74,385 0 74,385
Schwab US Small Cap ETF (SCHA) ETF 808524607 6,553 89,070 SH   SOLE   44,535 0 44,535
Vanguard Mid Cap ETF (VO) ETF 922908629 804 5,100 SH   SOLE   2,550 0 2,550
Vanguard S&P 500 ETF (VOO) ETF 922908363 5,776 23,150 SH   SOLE   11,575 0 11,575
Vanguard Small Cap Growth (VBK ETF 922908595 2,699 15,350 SH   SOLE   7,675 0 7,675
iShares S&P US Preferred Stock ETF 464288687 2,762 73,240 SH   SOLE   36,620 0 36,620
I Shares India 50 ETF (INDY) ETF 464289529 2,609 74,150 SH   SOLE   37,075 0 37,075
IShares Min Volatility EAFE In ETF 43429B689 792 11,140 SH   SOLE   5,570 0 5,570
IShares S&P Global 100 ETF (IO ETF 464287572 1,068 23,300 SH   SOLE   11,650 0 11,650
Ishares MSCI Ireland ETF (EIRL ETF 46429B507 1,118 23,620 SH   SOLE   11,810 0 11,810
Schwab Emerging Markets ETF (S ETF 808524706 3,575 138,080 SH   SOLE   69,040 0 69,040
Schwab Int'l Small Cap Equity ETF 808524888 2,835 78,590 SH   SOLE   39,295 0 39,295
Schwab International Equity ET ETF 808524805 8,527 257,990 SH   SOLE   128,995 0 128,995
Vanguard Total World Stock Mar ETF 922042742 805 10,970 SH   SOLE   5,485 0 5,485
iShares MSCI Canada Index Fund ETF 464286509 910 31,930 SH   SOLE   15,965 0 15,965
iShares TR MSCI EAFE Fd (EFA) ETF 464287465 3,906 58,322 SH   SOLE   29,161 0 29,161