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
Vanguard Small Cap Common 922908751 25,930 121,123 SH   SOLE   1,331 0 119,792
Berkshire Hathaway Cl B Class B 084670702 24,558 96,128 SH   SOLE   17,903 0 78,225
Vanguard Div Appreciation Common 921908844 20,879 141,960 SH   SOLE   14,553 0 127,407
Apple Inc Common 037833100 20,007 163,791 SH   SOLE   137,249 0 26,542
Vanguard Growth Common 922908736 19,292 75,053 SH   SOLE   3,862 0 71,191
Schwab US Div Equity Etf Common 808524797 18,466 253,242 SH   SOLE   28,283 0 224,959
Ishares Tr Russell 1000 Growth Common 464287614 18,034 74,200 SH   SOLE   156 0 74,044
Ishares Core US Aggregate Common 464287226 16,454 144,553 SH   SOLE   5,187 0 139,366
Vanguard Mid Cap Common 922908629 14,989 67,720 SH   SOLE   3,236 0 64,484
Ishares Russell Midcap Growth Common 464287481 13,050 127,863 SH   SOLE   1,548 0 126,315
Vanguard Tax Ex Bond Index Common 922907746 12,566 229,980 SH   SOLE   0 0 229,980
Vanguard Value Common 922908744 12,227 93,005 SH   SOLE   11,934 0 81,071
Microsoft Corp Common 594918104 12,006 50,924 SH   SOLE   43,394 0 7,530
Disney Walt Co Common 254687106 11,756 63,711 SH   SOLE   50,117 0 13,594
Spdr S&P Dividend Etf Common 78464A763 11,666 98,835 SH   SOLE   0 0 98,835
Accenture Common G1151C101 11,446 41,434 SH   SOLE   32,984 0 8,450
Vanguard FTSE Developed Mkts Common 921943858 11,284 229,778 SH   SOLE   2,181 0 227,597
Thermo Fisher Scientific Common 883556102 10,819 23,706 SH   SOLE   21,001 0 2,705
iShares Tr 1-3 Yr Treas Bond Common 464287457 10,650 123,478 SH   SOLE   13,823 0 109,655
Blackrock Inc. Common 09247X101 10,243 13,585 SH   SOLE   11,097 0 2,488
JPM Ultra Short Income ETF Common 46641Q837 10,033 197,673 SH   SOLE   160,665 0 37,008
Vanguard Reit Common 922908553 8,956 97,492 SH   SOLE   3,424 0 94,068
Amgen Incorporated Common 031162100 8,629 34,681 SH   SOLE   27,369 0 7,312
1/100 Berkshire Htwy Cla Common 084990175 8,485 2,200 SH   SOLE   0 0 2,200
Illinois Tool Works Inc Common 452308109 8,362 37,748 SH   SOLE   29,883 0 7,865
Mastercard Common 57636Q104 7,374 20,710 SH   SOLE   18,550 0 2,160
Google Inc Class A Vtg Common 38259P508 7,258 3,519 SH   SOLE   3,056 0 463
Vanguard Mid Cap Value Common 922908512 6,285 46,603 SH   SOLE   1,996 0 44,607
Vanguard Intl Dividend Common 921946810 6,246 75,406 SH   SOLE   63,798 0 11,608
Procter & Gamble Co Common 742718109 6,155 45,445 SH   SOLE   34,064 0 11,381
Johnson & Johnson Common 478160104 5,998 36,494 SH   SOLE   27,240 0 9,254
Stryker Corp Common 863667101 5,993 24,604 SH   SOLE   19,384 0 5,220
JP Morgan Chase & Co Common 46625H100 5,971 39,223 SH   SOLE   34,033 0 5,190
Ishares Tr Msci Eafe Fd Common 464287465 5,873 77,409 SH   SOLE   634 0 76,775
Home Depot Common 437076102 5,823 19,075 SH   SOLE   16,185 0 2,890
Republic Services Inc Common 760759100 5,578 56,145 SH   SOLE   42,300 0 13,845
Church & Dwight Co Inc Common 171340102 5,537 63,387 SH   SOLE   46,697 0 16,690
Ishares Tr Russell 2000 Value Common 464287630 4,942 30,988 SH   SOLE   0 0 30,988
Cisco Systems Inc Common 17275R102 4,933 95,405 SH   SOLE   74,940 0 20,465
Vanguard Small Cap Value Common 922908611 4,810 29,045 SH   SOLE   1,388 0 27,657
Ishares US Real Estate Common 464287739 4,651 50,593 SH   SOLE   2,241 0 48,352
Vanguard Large Cap Common 922908637 4,578 24,707 SH   SOLE   957 0 23,750
McDonalds Corp. Common 580135101 4,357 19,437 SH   SOLE   15,215 0 4,222
Goldman Sachs Group Common 38141G109 4,182 12,790 SH   SOLE   10,840 0 1,950
Starbucks Corp Common 855244109 4,177 38,226 SH   SOLE   30,976 0 7,250
Oracle Corp. Common 68389X105 4,107 58,536 SH   SOLE   49,411 0 9,125
Intel Corp Common 458140100 4,045 63,202 SH   SOLE   48,206 0 14,996
Canadian Natl Ry Co Common 136375102 4,031 34,754 SH   SOLE   26,259 0 8,495
Automatic Data Processing Common 053015103 3,994 21,192 SH   SOLE   17,557 0 3,635
Abbott Laboratories Common 002824100 3,957 33,017 SH   SOLE   23,372 0 9,645
SPDR S&P MidCap 400 ETF Common 78467Y107 3,928 8,251 SH   SOLE   615 0 7,636
Ishares Russell Midcap Common 464287499 3,927 53,115 SH   SOLE   416 0 52,699
Abbvie Inc Common 00287Y109 3,794 35,061 SH   SOLE   27,530 0 7,531
Ishares Tr Russell 2000 Growth Common 464287648 3,682 12,243 SH   SOLE   350 0 11,893
3M Co. Common 88579Y101 3,453 17,922 SH   SOLE   15,030 0 2,892
VF Corp Common 918204108 3,363 42,085 SH   SOLE   31,565 0 10,520
Vanguard Intl Eqty Index/FTSE Common 922042775 3,244 53,461 SH   SOLE   3,225 0 50,236
Merck & Co Inc Common 58933Y105 3,218 41,737 SH   SOLE   34,056 0 7,681
PIMCO Enh Short Maturity ETF Common 72201R833 3,169 31,092 SH   SOLE   28,492 0 2,600
Intl Equity: Schwab ETF Common 808524805 3,072 81,650 SH   SOLE   73,899 0 7,751
SPDR Nuveen Barclays Short Ter Common 78468R739 2,932 59,155 SH   SOLE   0 0 59,155
Exxon Mobil Corporation Common 30231G102 2,907 52,072 SH   SOLE   38,793 0 13,279
US REIT: Schwab ETF Common 808524847 2,842 69,169 SH   SOLE   63,290 0 5,879
Vanguard Mid Cap Growth Common 922908538 2,696 12,565 SH   SOLE   1,416 0 11,149
Packaging Corp Common 695156109 2,642 19,645 SH   SOLE   16,225 0 3,420
US MidCap Equity: Schwab ETF Common 808524508 2,642 35,490 SH   SOLE   30,341 0 5,149
Vanguard Inl High Div Yield ET Common 921946794 2,524 38,569 SH   SOLE   31,549 0 7,020
Intl Flavors & Fragrances Inc Common 459506101 2,519 18,045 SH   SOLE   13,760 0 4,285
Linde Common G5494J103 2,497 8,914 SH   SOLE   6,631 0 2,283
Ishares Russell Midcap Value Common 464287473 2,462 22,522 SH   SOLE   0 0 22,522
Vanguard Mortgage Backed Common 92206C771 2,406 45,078 SH   SOLE   36,458 0 8,620
Chevrontexaco Corp Common 166764100 2,406 22,957 SH   SOLE   18,592 0 4,365
JPM Ultra Short Muni Common 46641Q654 2,361 46,260 SH   SOLE   41,619 0 4,641
Novartis Common 66987V109 2,261 26,447 SH   SOLE   20,257 0 6,190
Wisdomtree Japan Tot Div Common 97717W851 2,162 35,242 SH   SOLE   30,472 0 4,770
Invesco Bond BulletShrs 2022 Common 46138J882 2,098 96,963 SH   SOLE   80,712 0 16,251
Ishares Tr Russell 1000 Index Common 464287622 1,995 8,913 SH   SOLE   0 0 8,913
Raytheon Technologies Common 75513E101 1,907 24,676 SH   SOLE   21,066 0 3,610
US Large Cap Value: Schwab ETF Common 808524409 1,837 28,147 SH   SOLE   24,355 0 3,792
Invesco Bond BulletShrs 2021 Common 46138J700 1,766 83,576 SH   SOLE   66,388 0 17,188
Citizens Financial Group Inc Common 174610105 1,763 39,940 SH   SOLE   30,140 0 9,800
Honeywell International Common 438516106 1,710 7,877 SH   SOLE   7,527 0 350
Invesco Bond BulletShrs 2023 Common 46138J866 1,707 78,404 SH   SOLE   57,728 0 20,676
General Dynamics Corp. Common 369550108 1,665 9,168 SH   SOLE   8,023 0 1,145
Genuine Parts Co Common 372460105 1,662 14,375 SH   SOLE   10,630 0 3,745
FedEx Corp. Common 31428X106 1,630 5,737 SH   SOLE   5,070 0 667
Ishares Tr Russell 2000 Index Common 464287655 1,589 7,190 SH   SOLE   505 0 6,685
Schwab Short Term US Treasury Common 808524862 1,565 30,508 SH   SOLE   27,315 0 3,193
Intl Business Machines Common 459200101 1,556 11,674 SH   SOLE   3,322 0 8,352
Pfizer Incorporated Common 717081103 1,546 42,661 SH   SOLE   20,902 0 21,759
Clorox Company Common 189054109 1,486 7,705 SH   SOLE   6,080 0 1,625
Nestle SA Common 641069406 1,413 12,670 SH   SOLE   10,255 0 2,415
Invesco Bond BulletShrs 2024 Common 46138J841 1,400 63,134 SH   SOLE   48,284 0 14,850
Norfolk & Southern Common 655844108 1,367 5,090 SH   SOLE   4,940 0 150
U S Bancorp Common 902973304 1,344 24,303 SH   SOLE   18,448 0 5,855
T Rowe Price Group Inc Common 74144T108 1,338 7,798 SH   SOLE   6,023 0 1,775
Amazon Com Inc Common 023135106 1,315 425 SH   SOLE   314 0 111
Shopify Inc Common 82509L107 1,280 1,157 SH   SOLE   1,022 0 135
Vanguard Msci Emerging Common 922042858 1,276 24,523 SH   SOLE   12,573 0 11,950
Emerson Electric Common 291011104 1,246 13,810 SH   SOLE   12,260 0 1,550
Pub Svc Ent Group Inc Common 744573106 1,201 19,951 SH   SOLE   17,251 0 2,700
Abiomed Inc Common 003654100 1,197 3,755 SH   SOLE   3,755 0 0
Interm US Treas: Schwab ETF Common 808524854 1,179 20,909 SH   SOLE   16,873 0 4,036
Medtronic PLC Common G5960L103 1,170 9,905 SH   SOLE   7,650 0 2,255
Vanguard Corp Bond Short Term Common 92206C409 1,127 13,657 SH   SOLE   12,522 0 1,135
NextEra Energy Common 65339F101 1,089 14,409 SH   SOLE   13,609 0 800
Ishares Russell 1000 Val Common 464287598 1,089 7,187 SH   SOLE   127 0 7,060
iShares JPM USD Emerging Mkts Common 464288281 1,069 9,820 SH   SOLE   7,480 0 2,340
CVS Health Corp Common 126650100 1,039 13,815 SH   SOLE   10,140 0 3,675
iShares Core MSCI Emerging Mkt Common 46434G103 1,030 16,006 SH   SOLE   3,496 0 12,510
Coca-Cola Common 191216100 974 18,479 SH   SOLE   17,354 0 1,125
American Express Co. Common 025816109 970 6,858 SH   SOLE   5,333 0 1,525
Kroger Company Common 501044101 965 26,805 SH   SOLE   21,855 0 4,950
A T & T Corp New Common 00206R102 964 31,847 SH   SOLE   26,067 0 5,780
US Lgcap Equity: Schwab ETF Common 808524201 963 10,027 SH   SOLE   9,414 0 613
Wisdomtree Tr US Midcap Divid Common 97717W505 958 23,709 SH   SOLE   20,323 0 3,386
Alphabet Inc. C Class C 02079K107 954 461 SH   SOLE   444 0 17
Novo-Nordisk A-S Common 670100205 941 13,960 SH   SOLE   10,925 0 3,035
SPDR Utilities Sector Common 81369Y886 916 14,305 SH   SOLE   11,855 0 2,450
iShares GNMA Bond ETF Common 46429B333 914 18,175 SH   SOLE   14,310 0 3,865
Sensata Technology Common N7902X106 876 15,125 SH   SOLE   13,725 0 1,400
Invesco Bond BulletShrs 2025 Common 46138J825 876 39,532 SH   SOLE   29,384 0 10,148
US Agg Bond ETF: Schwab Common 808524839 873 16,174 SH   SOLE   15,054 0 1,120
S P D R TRUST Unit SR Common 78462F103 860 2,169 SH   SOLE   1,907 0 262
iShares S&P Midcap Common 464287507 853 3,279 SH   SOLE   1,946 0 1,333
Vanguard Small Cap Grwth Common 922908595 848 3,086 SH   SOLE   118 0 2,968
Skyworks Solutions Common 83088M102 842 4,590 SH   SOLE   3,640 0 950
Schwab Emerging Markets Common 808524706 837 26,333 SH   SOLE   11,344 0 14,989
Roche Hldg Ltd ADR Common 771195104 821 20,250 SH   SOLE   18,850 0 1,400
Colgate Palmolive Common 194162103 817 10,365 SH   SOLE   8,430 0 1,935
Bristol-Myers Squibb Co Common 110122108 764 12,107 SH   SOLE   8,550 0 3,557
Ross Stores Common 778296103 757 6,311 SH   SOLE   6,311 0 0
Union Pacific Corp Common 907818108 755 3,425 SH   SOLE   285 0 3,140
Danaher Corp Common 235851102 728 3,236 SH   SOLE   3,236 0 0
Illumina Inc Common 452327109 718 1,870 SH   SOLE   1,805 0 65
US Lg-Cap Growth: Schwab ETF Common 808524300 708 5,459 SH   SOLE   4,435 0 1,024
Carrier Global Corporation Com Common 14448C104 685 16,213 SH   SOLE   13,263 0 2,950
Duke Energy Common 26441C204 675 6,993 SH   SOLE   5,183 0 1,810
Vanguard Short Term Gov't Common 92206C102 667 10,844 SH   SOLE   9,544 0 1,300
Vanguard Intl Real Estate ETF Common 922042676 649 11,639 SH   SOLE   10,746 0 893
Visa Inc Cl A Class A 92826C839 618 2,920 SH   SOLE   2,920 0 0
2021 iShares Muni Common 46435G789 609 23,695 SH   SOLE   15,630 0 8,065
iShares Barclays TIPS Common 464287176 601 4,790 SH   SOLE   4,790 0 0
D X C Technology Co Common 23355L106 572 18,310 SH   SOLE   14,010 0 4,300
JP Morgan Int'l Growth ETF Common 46641Q324 568 7,822 SH   SOLE   7,272 0 550
Global X MLP ETF Common 37950E473 556 16,821 SH   SOLE   14,928 0 1,893
Primary Bank Common 74166J103 547 36,000 SH   SOLE   0 0 36,000
Hexcel Corp New Common 428291108 545 9,736 SH   SOLE   5,886 0 3,850
Verizon Communications Common 92343V104 542 9,321 SH   SOLE   8,321 0 1,000
2022 iShares Muni Common 46435G755 521 19,765 SH   SOLE   12,440 0 7,325
iShares S&P 500 Value ETF Common 464287408 510 3,611 SH   SOLE   1,605 0 2,006
iShares S&P 500 Growth Common 464287309 507 7,794 SH   SOLE   3,640 0 4,154
Amer Electric Pwr Co Inc Common 025537101 500 5,906 SH   SOLE   4,156 0 1,750
US TIPS: Schwab ETF Common 808524870 500 8,176 SH   SOLE   6,853 0 1,323
Alibaba Group Holding Common 01609W102 484 2,136 SH   SOLE   136 0 2,000
Philip Morris Intl Inc Common 718172109 474 5,341 SH   SOLE   4,666 0 675
EOG Resources Inc Common 26875P101 462 6,365 SH   SOLE   6,010 0 355
SPDR S&P 600 Small Cap Value Common 78464A300 460 5,607 SH   SOLE   5,189 0 418
Trex Company Inc Common 89531P105 458 5,000 SH   SOLE   0 0 5,000
Vanguard Short Term Bond ETF Common 921937827 454 5,525 SH   SOLE   5,525 0 0
Vanguard Utilities ETF Common 92204A876 443 3,150 SH   SOLE   2,750 0 400
Cigna Corp Common 125509109 441 1,824 SH   SOLE   1,709 0 115
2023 iShares Muni Common 46435G318 438 16,725 SH   SOLE   10,000 0 6,725
Zimmer Biomet Holdings Common 98956P102 432 2,698 SH   SOLE   1,775 0 923
Chubb Ltd Common H1467J104 430 2,725 SH   SOLE   2,550 0 175
US Small Cap Equity: Schwab ET Common 808524607 397 3,984 SH   SOLE   3,025 0 959
Cerus Corp Common 157085101 385 64,049 SH   SOLE   0 0 64,049
Nike Inc Class B Class B 654106103 384 2,890 SH   SOLE   2,890 0 0
iShares Ultra Short Term Bond Common 46434V878 382 7,570 SH   SOLE   5,475 0 2,095
Schlumberger Ltd. Common 806857108 379 13,948 SH   SOLE   12,453 0 1,495
SPDR S&P 600 Small Cap Common 78464A813 373 3,974 SH   SOLE   525 0 3,449
Pepsico Incorporated Common 713448108 368 2,603 SH   SOLE   1,918 0 685
Vanguard MSCI Europe ETF Common 922042874 365 5,800 SH   SOLE   4,300 0 1,500
Constellation Brand Common 21036P108 363 1,593 SH   SOLE   845 0 748
Eli Lilly & Co. Common 532457108 349 1,867 SH   SOLE   1,867 0 0
Sherwin Williams Co Common 824348106 332 450 SH   SOLE   405 0 45
Pnc Finl Services Gp Inc Common 693475105 330 1,879 SH   SOLE   1,879 0 0
Deere & Co Common 244199105 328 876 SH   SOLE   876 0 0
C B Richard Ellis Group Common 12497T101 316 4,000 SH   SOLE   0 0 4,000
Netflix Inc Common 64110L106 313 600 SH   SOLE   0 0 600
iShares S&P SmallCap Growth ET Common 464287887 310 2,421 SH   SOLE   1,632 0 789
iShares S&P US Pfd Stock Common 464288687 285 7,420 SH   SOLE   6,460 0 960
Kimberly-Clark Common 494368103 283 2,035 SH   SOLE   2,035 0 0
Ishares 3-7 Year Treasury Common 464288661 282 2,168 SH   SOLE   643 0 1,525
Invesco Bond BulletShrs 2026 Common 46138J791 274 12,850 SH   SOLE   9,476 0 3,374
United Parcel Service Inc Cl B Class B 911312106 271 1,592 SH   SOLE   1,592 0 0
Canadian Natural Resources Common 136385101 271 8,766 SH   SOLE   4,816 0 3,950
Booking Holdings Inc Common 09857L108 266 114 SH   SOLE   114 0 0
Ishares Tr Cohen & Steer Common 464287564 263 4,552 SH   SOLE   600 0 3,952
The Charles Schwab Corp Common 808513105 262 4,025 SH   SOLE   2,200 0 1,825
Sysco Corp Common 871829107 260 3,300 SH   SOLE   400 0 2,900
Wal Mart Stores Inc. Common 931142103 254 1,867 SH   SOLE   1,867 0 0
McCormick & Co Inc Common 579780206 253 2,840 SH   SOLE   2,840 0 0
Marathon Pete Corp Common 56585A102 246 4,591 SH   SOLE   0 0 4,591
iShares Core MSCI EAFE ETF Common 46432F842 241 3,351 SH   SOLE   2,523 0 828
Vanguard US Liquidity ETF Common 921935300 241 2,274 SH   SOLE   2,129 0 145
Cummins Inc. Common 231021106 238 920 SH   SOLE   920 0 0
Lockheed Martin Common 539830109 237 642 SH   SOLE   492 0 150
Sprott Physical Gold Trust Common 85207H104 235 17,510 SH   SOLE   1,275 0 16,235
Everbridge Inc Common 29978A104 230 1,900 SH   SOLE   0 0 1,900
General Mills Inc Common 370334104 230 3,750 SH   SOLE   2,750 0 1,000
iShares Barclays MBS Bond Fd Common 464288588 229 2,115 SH   SOLE   2,115 0 0
Becton Dickinson & Co Common 075887109 226 930 SH   SOLE   615 0 315
Capital One Financial Common 14040H105 225 1,766 SH   SOLE   1,766 0 0
Bank Of New York Co Common 064058100 211 4,469 SH   SOLE   2,719 0 1,750
Costco Whsl Corp New Common 22160K105 210 595 SH   SOLE   445 0 150
Dominion Res Inc Va New Common 25746U109 204 2,683 SH   SOLE   2,483 0 200
PCS Edventures!.com Common 69325N102 14 445,000 SH   SOLE   445,000 0 0
Hypersolar Inc Common 44915H104 10 70,833 SH   SOLE   0 0 70,833
Orion Marine Group Inc Common 68628V308 181 29,800 SH   SOLE   0 0 29,800
Elixinol Global Lt Ordf Common Q34632101 4 24,218 SH   SOLE   0 0 24,218
Moleculin Biotech In Common 60855D101 69 16,964 SH   SOLE   0 0 16,964
Medexus Pharmaceutical Common 58410Q203 88 14,000 SH   SOLE   0 0 14,000
General Electric Company Common 369604103 141 10,725 SH   SOLE   4,500 0 6,225