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
3 M Company COM 88579Y101 3,812 16,196 SH   SOLE   0 13,309 2,887
A T & T COM 00206R102 1,888 48,570 SH   SOLE   0 40,519 8,051
Abbott Labs COM 002824100 902 15,818 SH   SOLE   0 13,578 2,240
Abbvie COM 00287Y109 1,491 15,426 SH   SOLE   0 12,934 2,492
ADP COM 053015103 526 4,492 SH   SOLE   0 2,889 1,603
Aetna COM 00817Y108 307 1,703 SH   SOLE   0 1,603 100
Aflac Inc COM 001055102 460 5,244 SH   SOLE   0 3,456 1,788
AJ Gallagher Co COM 363576109 803 12,700 SH   SOLE   0 12,500 200
Alibaba Group Hldg Ltd ADS 01609W102 231 1,340 SH   SOLE   0 910 430
Alliant Energy COM 018802108 365 8,579 SH   SOLE   0 8,579 0
Alphabet Inc Cl A CAP STK 02079K305 831 789 SH   SOLE   0 750 39
Alphabet Inc Cl C CAP STK 02079K107 923 883 SH   SOLE   0 862 21
Altria Group Inc COM 02209S103 2,575 36,060 SH   SOLE   0 29,714 6,346
Amazon com COM 023135106 1,022 874 SH   SOLE   0 754 120
Amer Electric COM 025537101 621 8,444 SH   SOLE   0 6,635 1,809
Amer Express COM 025816109 752 7,573 SH   SOLE   0 6,722 851
Amer Tower COM 03027X100 1,230 8,264 SH   SOLE   0 7,523 741
Amgen COM 031162100 300 1,729 SH   SOLE   0 1,586 143
Amphenol Corp CL A 032095101 228 2,600 SH   SOLE   0 2,600 0
Anheuser-Busch COM 035229103 239 2,150 SH   SOLE   0 1,400 750
Apple Computer COM 037833100 3,501 20,693 SH   SOLE   0 16,762 3,931
BankAmerica COM 060505104 1,195 40,486 SH   SOLE   0 39,390 1,096
Becton Dickinson COM 075887109 450 2,105 SH   SOLE   0 1,450 655
Berkshire Htwy Cl A COM 084990175 297 100 SH   SOLE   0 100 0
Berkshire Htwy Cl B COM 084670207 3,098 15,630 SH   SOLE   0 15,265 365
Blackrock Corp Hi Yld ETF 09255P107 138 12,681 SH   SOLE   0 0 12,681
Blackrock Inc COM 09247X101 272 531 SH   SOLE   0 531 0
Blackstone Group COM 09253U108 348 10,888 SH   SOLE   0 8,431 2,457
Boeing Co COM 097023105 1,652 5,602 SH   SOLE   0 5,434 168
Bristol Myers COM 110122108 1,139 18,591 SH   SOLE   0 12,416 6,175
Broadcom Ltd COM Y0486S104 325 1,266 SH   SOLE   0 1,078 188
Caterpillar Inc COM 149123101 1,355 8,600 SH   SOLE   0 6,812 1,788
Celanese Corp COM 150870103 1,124 10,501 SH   SOLE   0 8,826 1,675
Chevron Corp COM 166764100 2,111 16,865 SH   SOLE   0 13,395 3,470
Chubb Ltd COM H1467J104 1,569 10,742 SH   SOLE   0 7,709 3,033
Church Dwight COM 171340102 307 6,124 SH   SOLE   0 3,600 2,524
Churchill Downs COM 171484108 430 1,850 SH   SOLE   0 1,550 300
Cisco Systems Inc COM 17275R102 2,066 53,964 SH   SOLE   0 53,495 469
Citigroup COM 172967101 584 7,849 SH   SOLE   0 7,412 437
Clorox COM 189054109 389 2,618 SH   SOLE   0 2,002 616
Coca-Cola Company COM 191216100 1,513 32,987 SH   SOLE   0 24,290 8,697
ColgatePalmolive COM 194162103 1,912 25,350 SH   SOLE   0 20,369 4,981
Comcast COM 20030N101 829 20,717 SH   SOLE   0 16,005 4,712
ConocoPhillips COM 20825C104 719 13,105 SH   SOLE   0 9,685 3,420
Consumer Discr SPDR ETF 81369Y407 5,429 55,016 SH   SOLE   0 48,375 6,641
Consumer Stpls SPDR ETF 81369Y308 3,572 62,794 SH   SOLE   0 54,968 7,826
Costco COM 22160K105 1,889 10,154 SH   SOLE   0 8,340 1,814
CrownCastleIntl COM 228227104 1,032 9,300 SH   SOLE   0 7,900 1,400
CSX Corp COM 126408103 1,388 25,247 SH   SOLE   0 20,622 4,625
Cummins Inc COM 231021106 2,615 14,810 SH   SOLE   0 11,999 2,811
CVS Caremark COM 126650100 1,433 19,777 SH   SOLE   0 16,875 2,902
Danaher Corp COM 235851102 462 4,985 SH   SOLE   0 4,885 100
Deere COM 244199105 449 2,873 SH   SOLE   0 2,703 170
Delta Air Lines COM 247361108 601 10,734 SH   SOLE   0 9,209 1,525
DowDuPont COM 26078J100 995 13,973 SH   SOLE   0 12,223 1,750
Duke Energy COM 26441C105 821 9,773 SH   SOLE   0 7,344 2,429
Dunkin Brands COM 265504100 563 8,747 SH   SOLE   0 6,217 2,530
Eastman Chem COM 277432100 680 7,350 SH   SOLE   0 6,150 1,200
Eli Lilly Company COM 532457108 1,233 14,486 SH   SOLE   0 12,336 2,150
Emerson Electric COM 291011104 554 7,961 SH   SOLE   0 6,530 1,431
Energy Select SPDR ETF 81369Y506 7,114 98,459 SH   SOLE   0 83,501 14,958
Exelon Corporation COM 30161N101 499 12,670 SH   SOLE   0 12,288 382
Exxon Mobil COM 30231G102 3,182 38,053 SH   SOLE   0 32,467 5,586
Facebook COM 30303M102 903 5,122 SH   SOLE   0 3,852 1,270
FedEx Corp COM 31428X106 1,729 6,932 SH   SOLE   0 6,131 801
Financial Select COM 81369Y605 5,149 184,512 SH   SOLE   0 151,756 32,756
Firstenergy COM 337932107 223 7,287 SH   SOLE   0 5,237 2,050
Fortive Group COM 34959J108 200 2,767 SH   SOLE   0 2,717 50
Fulton Financial COM 360271100 220 12,334 SH   SOLE   0 448 11,886
General Dynamics COM 369550108 384 1,891 SH   SOLE   0 1,591 300
General Electric COM 369604103 1,003 57,512 SH   SOLE   0 40,830 16,682
General Mills Inc COM 370334104 481 8,127 SH   SOLE   0 6,593 1,534
Gilead Sciences COM 375558103 230 3,211 SH   SOLE   0 2,961 250
Goldman Sachs ETF Tr ETF 381430503 651 12,206 SH   SOLE   0 12,206 0
Goldman Sachs Grp COM 38141G104 328 1,290 SH   SOLE   0 1,190 100
Groupon CL A 399473107 66 13,075 SH   SOLE   0 13,000 75
Healthcare SPDR COM 81369Y209 4,271 51,664 SH   SOLE   0 46,414 5,250
Hershey COM 427866108 402 3,544 SH   SOLE   0 3,007 537
Home Depot COM 437076102 1,702 8,982 SH   SOLE   0 6,700 2,282
Honeywell Intl COM 438516106 965 6,297 SH   SOLE   0 5,752 545
HP Inc COM 428236103 351 16,723 SH   SOLE   0 8,777 7,946
IBM COM 459200101 313 2,044 SH   SOLE   0 1,199 845
Illinois Tool COM 452308109 490 2,941 SH   SOLE   0 2,591 350
Industrial SPDR COM 81369Y704 5,216 68,939 SH   SOLE   0 62,445 6,494
Intel Corp COM 458140100 2,824 61,198 SH   SOLE   0 43,519 17,679
Intl Paper COM 460146103 396 6,851 SH   SOLE   0 6,126 725
Intuit COM 461202103 339 2,150 SH   SOLE   0 1,950 200
Invesco Sr Inc Tst COM 46131H107 51 11,803 SH   SOLE   0 0 11,803
iShares Core High Div ETF 46429B663 258 2,870 SH   SOLE   0 2,870 0
iShares Core Mid Cap ETF 464287804 3,598 46,850 SH   SOLE   0 44,438 2,412
iShares Core S&P US Stock ETF 464287150 3,013 49,282 SH   SOLE   0 49,282 0
Ishares CoreMSCI ETF 46432F834 403 6,392 SH   SOLE   0 6,392 0
ishares Emerg Mkts ETF 46434G103 2,925 51,410 SH   SOLE   0 49,962 1,448
iShares NA Tech ETF 464287515 372 2,410 SH   SOLE   0 2,410 0
iShares Russell 200 ETF 464289420 259 4,952 SH   SOLE   0 4,952 0
iShares S&P Mid ETF 464287507 567 2,991 SH   SOLE   0 2,991 0
iShares Select Div ETF 464287168 936 9,501 SH   SOLE   0 9,501 0
iShares Trust Core MSCI ETF 46432F842 548 8,306 SH   SOLE   0 7,761 545
Ishares USA Momentum ETF 46432F396 216 2,104 SH   SOLE   0 2,104 0
J M Smucker Co COM 832696405 574 4,627 SH   SOLE   0 4,094 533
J P Morgan COM 46625H100 1,544 14,439 SH   SOLE   0 10,181 4,258
Johnson & Johnson COM 478160104 6,300 45,094 SH   SOLE   0 35,383 9,711
Kellogg Company COM 487836108 454 6,682 SH   SOLE   0 5,313 1,369
Kimberly Clark COM 494368103 2,675 22,174 SH   SOLE   0 18,547 3,627
Kraft Heinz COM 500754106 301 3,874 SH   SOLE   0 3,296 578
Las Vegas Sands COM 517834107 394 5,675 SH   SOLE   0 5,500 175
Lear COM 521865204 784 4,439 SH   SOLE   0 3,764 675
Lockheed Martin COM 539830109 600 1,872 SH   SOLE   0 1,226 646
Lowes COM 548661107 1,341 14,432 SH   SOLE   0 13,035 1,397
M&T Bank Corp COM 55261F104 435 2,545 SH   SOLE   0 1,743 802
MagellanMidstrm COM 559080106 344 4,849 SH   SOLE   0 3,503 1,346
Marathon Pete COM 56585A102 233 3,536 SH   SOLE   0 3,536 0
Masco COM 574599106 1,361 30,975 SH   SOLE   0 26,550 4,425
Mastercard COM 57636Q104 940 6,215 SH   SOLE   0 5,950 265
Materials Select SPDR ETF 81369Y100 804 13,283 SH   SOLE   0 12,069 1,214
McCormick COM 579780206 1,541 15,126 SH   SOLE   0 13,582 1,544
McDonalds COM 580135101 4,182 24,297 SH   SOLE   0 19,507 4,790
Medtronic Inc COM 585055106 273 3,382 SH   SOLE   0 1,377 2,005
Merck COM 58933Y105 1,333 23,695 SH   SOLE   0 18,505 5,190
Metlife Inc COM 59156R108 807 15,965 SH   SOLE   0 12,965 3,000
Microchip Tech COM 595017104 354 4,030 SH   SOLE   0 3,480 550
Microsoft Corp COM 594918104 3,851 45,031 SH   SOLE   0 38,076 6,955
Mondelez COM 607209105 560 13,097 SH   SOLE   0 11,023 2,074
Nextera Energy COM 65339F101 821 5,258 SH   SOLE   0 4,958 300
Nike COM 654106103 2,866 45,833 SH   SOLE   0 34,967 10,866
Norfolk Southern COM 655844108 1,404 9,691 SH   SOLE   0 7,562 2,129
Northrop Grumman COM 666807102 1,269 4,137 SH   SOLE   0 2,896 1,241
Occidental Petroleum COM 674599105 271 3,682 SH   SOLE   0 3,531 151
Oracle Corp COM 68389X105 1,413 29,890 SH   SOLE   0 24,821 5,069
Parker Hannifin COM 701094104 424 2,128 SH   SOLE   0 1,728 400
Paychex COM 704326107 285 4,196 SH   SOLE   0 3,258 938
PepsiCo COM 713448108 4,353 36,307 SH   SOLE   0 24,812 11,495
Pfizer COM 717081103 1,993 55,034 SH   SOLE   0 43,823 11,211
PhilipMorrisIntl COM 718172109 973 9,213 SH   SOLE   0 7,727 1,486
Phillips 66 COM 718546104 621 6,144 SH   SOLE   0 5,023 1,121
Pimco Enhan Shrt Ma ETF 72201R833 226 2,233 SH   SOLE   0 2,233 0
PNC Financial COM 693475105 431 2,993 SH   SOLE   0 2,565 428
Powershares Active ETF 73935B508 221 2,701 SH   SOLE   0 2,701 0
Powershares Buyback ETF 73935X286 659 11,169 SH   SOLE   0 11,169 0
Powershares Dividend ETF 73935X732 884 33,438 SH   SOLE   0 33,438 0
Powershares Finl Pfd ETF 73935X229 991 52,545 SH   SOLE   0 52,545 0
Powershares QQQ ETF 73935A104 1,758 11,292 SH   SOLE   0 10,700 592
PPG Ind COM 693506107 534 4,572 SH   SOLE   0 3,972 600
PPL Corp COM 69351T106 763 24,682 SH   SOLE   0 22,713 1,969
Praxair COM 74005P104 208 1,350 SH   SOLE   0 1,350 0
Procter & Gamble COM 742718109 4,444 48,371 SH   SOLE   0 40,716 7,655
Prudential Financial COM 744320102 1,508 13,123 SH   SOLE   0 11,373 1,750
Pshares Dynamic Software ETF 73935X773 201 3,167 SH   SOLE   0 3,167 0
Public Storage COM 74460D109 217 1,043 SH   SOLE   0 1,043 0
Qualcomm Inc COM 747525103 255 3,983 SH   SOLE   0 2,883 1,100
Raytheon COM 755111507 358 1,907 SH   SOLE   0 1,380 527
Real Estate Select SPDR ETF 81369Y860 1,499 45,521 SH   SOLE   0 41,219 4,302
Rockwell Automation COM 773903109 352 1,793 SH   SOLE   0 1,618 175
Royal Dutch Shell ADR 780259206 371 5,576 SH   SOLE   0 4,088 1,488
Schlumberger Ltd COM 806857108 242 3,605 SH   SOLE   0 3,005 600
Schwab Emrg Mkt ETF 808524706 1,078 38,609 SH   SOLE   0 29,846 8,763
Schwab Intl Equity ETF 808524805 2,461 72,257 SH   SOLE   0 54,795 17,462
Schwab US Broad ETF 808524102 9,936 154,013 SH   SOLE   0 131,320 22,693
Schwab US Dividend ETF 808524797 382 7,475 SH   SOLE   0 5,474 2,001
Schwab US Lg Cap ETF 808524201 2,530 39,669 SH   SOLE   0 33,166 6,503
Schwab US MidCap ETF 818524508 362 6,814 SH   SOLE   0 4,198 2,616
Schwab US Sml Cap ETF 808524607 676 9,707 SH   SOLE   0 7,406 2,301
Schwb US Bond ETF 808524839 431 8,296 SH   SOLE   0 6,000 2,296
SEI Investments COM 784117103 287 4,000 SH   SOLE   0 4,000 0
Sherwin Williams COM 824348106 492 1,202 SH   SOLE   0 1,102 100
SPDR S&P 500 ETF 78462F103 6,402 23,993 SH   SOLE   0 22,433 1,560
StanleyBlackDecker COM 854502101 780 4,601 SH   SOLE   0 4,280 321
Starbucks COM 855244109 1,610 28,035 SH   SOLE   0 21,578 6,457
Sun Communities COM 866674104 1,207 13,012 SH   SOLE   0 13,012 0
SunTrust Banks COM 867914103 438 6,792 SH   SOLE   0 5,737 1,055
T Rowe Price Associates COM 74144T108 458 4,370 SH   SOLE   0 4,370 0
Target Inc COM 87612E106 704 10,795 SH   SOLE   0 8,962 1,833
Technology SPDR ETF 81369Y803 3,611 56,469 SH   SOLE   0 52,385 4,084
Textron COM 883203101 526 9,295 SH   SOLE   0 9,095 200
Time Warner COM 887317903 224 2,454 SH   SOLE   0 2,041 413
Travelers Co COM 89417E109 2,306 17,002 SH   SOLE   0 14,033 2,969
Union Pacific COM 907818108 1,083 8,081 SH   SOLE   0 6,831 1,250
United Tech COM 913017109 1,382 10,841 SH   SOLE   0 8,261 2,580
Utilities SPDR ETF 81369Y886 1,706 32,399 SH   SOLE   0 27,130 5,269
V F Corporation COM 918204108 753 10,178 SH   SOLE   0 8,778 1,400
Valero Energy COM 91913Y100 485 5,280 SH   SOLE   0 5,080 200
Vanguard Cons Spls ETF 92204A207 638 4,375 SH   SOLE   0 3,485 890
Vanguard ConsDiscr COM 92204A108 449 2,885 SH   SOLE   0 2,574 311
Vanguard Energy ETF 92204A306 1,587 16,046 SH   SOLE   0 12,416 3,630
Vanguard Fin ETF 92204A405 12,760 182,192 SH   SOLE   0 152,558 29,634
Vanguard FTSE ETF 922042775 9,510 173,810 SH   SOLE   0 148,068 25,742
Vanguard Health ETF 92204A504 15,518 100,681 SH   SOLE   0 84,005 16,676
Vanguard Industrials ETF 92204A603 1,238 8,697 SH   SOLE   0 6,696 2,001
Vanguard InfoTech ETF 92204A702 29,885 181,442 SH   SOLE   0 150,086 31,356
Vanguard Materials ETF 92204A801 593 4,341 SH   SOLE   0 3,544 797
Vanguard Mid Cap ETF 922908629 952 6,154 SH   SOLE   0 6,154 0
Vanguard S&P 500 ETF 922908363 592 2,415 SH   SOLE   0 2,415 0
Vanguard SmallCap ETF 922908751 13,309 90,053 SH   SOLE   0 78,046 12,007
Vanguard Telecom ETF 92204A884 2,480 27,210 SH   SOLE   0 22,583 4,627
Vanguard Total Bnd ETF 921937835 1,176 14,429 SH   SOLE   0 14,429 0
Vanguard Total Stk ETF 922908769 17,320 126,197 SH   SOLE   0 117,344 8,853
Vanguard Total World ETF 922042742 841 11,325 SH   SOLE   0 10,488 837
Vanguard Ttl Intl ETF 921909768 9,909 174,436 SH   SOLE   0 158,890 15,546
Vanguard Utilities ETF 92204A876 2,480 21,227 SH   SOLE   0 17,876 3,351
Vanguard Value ETF 922908744 959 9,022 SH   SOLE   0 9,022 0
Vanguarrd REIT ETF 922908553 474 5,714 SH   SOLE   0 5,538 176
Ventas COM 92276F100 223 3,729 SH   SOLE   0 960 2,769
Verizon Comm COM 92343V104 1,742 32,926 SH   SOLE   0 27,590 5,336
Vgrd Bd Short Term ETF 921937827 309 3,916 SH   SOLE   0 3,916 0
Vgrd Interm Bond ETF 921937819 505 6,032 SH   SOLE   0 6,032 0
Vgrd Scottsdale Int Term Gov ETF 92206C706 652 10,200 SH   SOLE   0 10,200 0
Vguard Adm Mid Cap ETF 921932844 390 3,208 SH   SOLE   0 3,208 0
Vguard Dev Mkt ETF 921943858 249 5,570 SH   SOLE   0 5,570 0
Vguard Emer Mkt ETF 922042858 495 10,793 SH   SOLE   0 10,430 363
Vguard FTSE All ETF 922042718 373 3,133 SH   SOLE   0 2,962 171
Vguard Growth ETF 933908736 212 1,511 SH   SOLE   0 1,511 0
Vguard Lg Cap ETF 922908637 269 2,201 SH   SOLE   0 2,201 0
Vguard Malvern ETF 922020805 253 5,190 SH   SOLE   0 5,049 141
Visa CL A 92826C839 1,476 12,950 SH   SOLE   0 11,597 1,353
Walgreen Boots COM 931427108 574 7,918 SH   SOLE   0 7,477 441
Walmart Stores COM 931142103 1,185 12,004 SH   SOLE   0 10,907 1,097
Walt Disney COM 254687106 4,688 43,613 SH   SOLE   0 34,018 9,595
Waste Mgmt COM 94106L109 1,143 13,250 SH   SOLE   0 9,384 3,866
Wells Fargo COM 949746101 545 8,998 SH   SOLE   0 8,808 190
Weyerhauser COM 962166104 268 7,609 SH   SOLE   0 6,171 1,438
WW Grainger COM 384802104 392 1,660 SH   SOLE   0 1,660 0
Yum China COM 98850P109 4,027 11,625 SH   SOLE   0 9,922 1,703
Yum! Brands Inc COM 988498101 1,852 22,695 SH   SOLE   0 20,403 2,292