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
3M Company COM 88579Y101 2,716 17,412 SH   SOLE   0 0 17,412
AFLAC Inc. COM 001055102 821 22,793 SH   SOLE   0 0 22,793
AT&T Inc. COM 00206R102 4,925 162,918 SH   SOLE   0 0 162,918
AbbVie Inc. COM 00287Y109 1,262 12,851 SH   SOLE   0 0 12,851
Abbott Laboratories COM 002824100 396 4,335 SH   SOLE   0 0 4,335
Accenture Plc COM G1151C101 8,295 38,630 SH   SOLE   0 0 38,630
Adobe Inc. COM 00724F101 2,352 5,402 SH   SOLE   0 0 5,402
Agilent Technologies Inc. COM 00846U101 211 2,390 SH   SOLE   0 0 2,390
Alibaba Group Holding COM 01609W102 772 3,577 SH   SOLE   0 0 3,577
Alphabet Inc. Class A COM 02079K305 16,607 11,711 SH   SOLE   0 0 11,711
Alphabet Inc. Class C COM 02079K107 858 607 SH   SOLE   0 0 607
Altria Group Inc COM 02209S103 228 5,803 SH   SOLE   0 0 5,803
Amazon.com Inc. COM 023135106 32,957 11,946 SH   SOLE   0 0 11,946
American Electric Power COM 025537101 1,260 15,820 SH   SOLE   0 0 15,820
American Water Works COM 030420103 829 6,442 SH   SOLE   0 0 6,442
Amgen Inc. COM 031162100 5,041 21,372 SH   SOLE   0 0 21,372
Apple Inc. COM 037833100 40,839 111,948 SH   SOLE   0 0 111,948
Applied Materials Inc. COM 038222105 206 3,411 SH   SOLE   0 0 3,411
Automatic Data Processing Inc. COM 053015103 480 3,221 SH   SOLE   0 0 3,221
Bank of America Corp COM 060505104 501 21,099 SH   SOLE   0 0 21,099
Baxter International COM 071813109 245 2,848 SH   SOLE   0 0 2,848
Berkshire Hathaway CL B COM 084670702 12,019 67,328 SH   SOLE   0 0 67,328
Berkshire Hathaway Inc. Class COM 084990175 267 100 SH   SOLE   0 0 100
Best Buy Co., Inc. COM 086516101 203 2,321 SH   SOLE   0 0 2,321
Blackrock Inc. COM 09247X101 3,623 6,659 SH   SOLE   0 0 6,659
Broadridge Fncl Solutions COM 11133T103 245 1,938 SH   SOLE   0 0 1,938
CBL & Associates Properties COM 124830100 5 17,000 SH   SOLE   0 0 17,000
Celanese Corp. COM 150870103 604 7,000 SH   SOLE   0 0 7,000
Charles Schwab Corp COM 808513105 432 12,810 SH   SOLE   0 0 12,810
Check Point Software COM M22465104 409 3,811 SH   SOLE   0 0 3,811
Cisco Systems Inc. COM 17275R102 7,701 165,112 SH   SOLE   0 0 165,112
Clorox Company COM 189054109 6,144 28,006 SH   SOLE   0 0 28,006
Coca-Cola Company COM 191216100 588 13,153 SH   SOLE   0 0 13,153
Conagra Brands Inc. COM 205887102 231 6,560 SH   SOLE   0 0 6,560
Consolidated Edison, Inc. COM 209115104 4,405 61,244 SH   SOLE   0 0 61,244
Consolidated Water Co. COM G23773107 224 15,500 SH   SOLE   0 0 15,500
Costco Wholesale Corp COM 22160K105 13,744 45,329 SH   SOLE   0 0 45,329
Dassault Systemes SA ADS COM 237545108 207 1,198 SH   SOLE   0 0 1,198
Dominion Energy, Inc. COM 25746U109 5,138 63,295 SH   SOLE   0 0 63,295
Duke Energy Corp COM 26441C204 900 11,267 SH   SOLE   0 0 11,267
Ecolab Inc COM 278865100 427 2,147 SH   SOLE   0 0 2,147
Enphase Energy, Inc. COM 29355A107 460 9,675 SH   SOLE   0 0 9,675
Equinix Inc COM 29444U700 745 1,061 SH   SOLE   0 0 1,061
Essent Group Ltd. COM G3198U102 242 6,665 SH   SOLE   0 0 6,665
Evergy Inc. COM 30034W106 1,400 23,620 SH   SOLE   0 0 23,620
Eversource Energy COM 30040W108 274 3,292 SH   SOLE   0 0 3,292
Exxon Mobil Corporation COM 30231G102 344 7,688 SH   SOLE   0 0 7,688
Fannie Mae COM 313586109 293 135,000 SH   SOLE   0 0 135,000
Fannie Mae Pfd Ser S COM 313586752 234 29,400 SH   SOLE   0 0 29,400
Federal Home Loan Mortgage Cor COM 313400301 103 47,000 SH   SOLE   0 0 47,000
Federal Signal Corp. COM 313855108 954 32,082 SH   SOLE   0 0 32,082
Fiserv Inc. COM 337738108 10,843 111,071 SH   SOLE   0 0 111,071
FleetCor Technologies, Inc. COM 339041105 432 1,716 SH   SOLE   0 0 1,716
Fox Factory Holding Corp. COM 35138V102 741 8,970 SH   SOLE   0 0 8,970
General Electric Company COM 369604103 85 12,509 SH   SOLE   0 0 12,509
Genuine Parts Company COM 372460105 1,643 18,899 SH   SOLE   0 0 18,899
Gilead Sciences Inc. COM 375558103 796 10,348 SH   SOLE   0 0 10,348
Hannon Armstrong Sustain Infra COM 41068X100 1,230 43,203 SH   SOLE   0 0 43,203
Hasbro Inc. COM 418056107 2,743 36,603 SH   SOLE   0 0 36,603
Hexcel Corporation COM 428291108 318 7,032 SH   SOLE   0 0 7,032
Home Depot Inc. COM 437076102 14,780 59,001 SH   SOLE   0 0 59,001
Honeywell Intl Inc COM 438516106 8,977 62,084 SH   SOLE   0 0 62,084
IBM Corp COM 459200101 3,277 27,130 SH   SOLE   0 0 27,130
Illumina Inc COM 452327109 256 692 SH   SOLE   0 0 692
Intel Corporation COM 458140100 4,369 73,019 SH   SOLE   0 0 73,019
International Flavors&Frag. COM 459506101 320 2,616 SH   SOLE   0 0 2,616
Intuit Inc. COM 461202103 261 881 SH   SOLE   0 0 881
Intuitive Surgical, Inc. COM 46120E602 584 1,025 SH   SOLE   0 0 1,025
JPMorgan Chase & Co COM 46625H100 11,909 126,608 SH   SOLE   0 0 126,608
Johnson & Johnson COM 478160104 1,624 11,548 SH   SOLE   0 0 11,548
Kimberly-Clark Corp. COM 494368103 5,650 39,975 SH   SOLE   0 0 39,975
Leggett & Platt Inc. COM 524660107 2,815 80,084 SH   SOLE   0 0 80,084
Lockheed Martin Corp. COM 539830109 6,007 16,462 SH   SOLE   0 0 16,462
McDonald's Corp. COM 580135101 5,548 30,073 SH   SOLE   0 0 30,073
Medtronic PLC COM G5960L103 1,385 15,108 SH   SOLE   0 0 15,108
Merck & Co. Inc. COM 58933Y105 381 4,927 SH   SOLE   0 0 4,927
Microsoft Corporation COM 594918104 34,363 168,851 SH   SOLE   0 0 168,851
Mojo Organics Inc. COM 60841T202 27 250,000 SH   SOLE   0 0 250,000
Mondelez International Inc COM 609207105 511 10,000 SH   SOLE   0 0 10,000
Morgan Stanley COM 617446448 2,071 42,870 SH   SOLE   0 0 42,870
NVIDIA Corp COM 67066G104 399 1,050 SH   SOLE   0 0 1,050
NextEra Energy, Inc. COM 65339F101 499 2,076 SH   SOLE   0 0 2,076
Nike Inc cl B COM 654106103 683 6,964 SH   SOLE   0 0 6,964
Okta, Inc. COM 679295105 200 1,000 SH   SOLE   0 0 1,000
Oliex Inc. COM 678034208 0 10,000 SH   SOLE   0 0 10,000
Oracle Corporation COM 68389X105 580 10,500 SH   SOLE   0 0 10,500
Organovo Holdings Inc. COM 68620A104 21 38,242 SH   SOLE   0 0 38,242
PayPal Holdings, Inc. COM 70450Y103 1,510 8,666 SH   SOLE   0 0 8,666
Paychex, Inc. COM 704326107 3,531 46,620 SH   SOLE   0 0 46,620
PepsiCo, Inc. COM 713448108 4,908 37,112 SH   SOLE   0 0 37,112
Procter & Gamble Co. COM 742718109 1,036 8,665 SH   SOLE   0 0 8,665
Qualcomm Inc. COM 747525103 6,344 69,559 SH   SOLE   0 0 69,559
RealPage, Inc. COM 75606N109 716 11,012 SH   SOLE   0 0 11,012
Salesforce.com Inc COM 79466L302 472 2,521 SH   SOLE   0 0 2,521
SolarEdge Technologies, Inc. COM 83417M104 449 3,233 SH   SOLE   0 0 3,233
Southern Company COM 842587107 2,586 49,866 SH   SOLE   0 0 49,866
Starbucks Corporation COM 855244109 1,103 14,989 SH   SOLE   0 0 14,989
Sungold Int Holdings Corp COM 867373102 0 10,000 SH   SOLE   0 0 10,000
Sunrun Inc. COM 86771W105 235 11,919 SH   SOLE   0 0 11,919
TJX Companies Inc. COM 872540109 296 5,846 SH   SOLE   0 0 5,846
Target Corporation COM 87612E106 4,320 36,023 SH   SOLE   0 0 36,023
Tencent Holdings Ltd. COM 88032Q109 403 6,303 SH   SOLE   0 0 6,303
Tesla, Inc. COM 88160R101 1,126 1,043 SH   SOLE   0 0 1,043
Texas Instruments, Inc. COM 882508104 594 4,676 SH   SOLE   0 0 4,676
Tiffany & Company COM 886547108 212 1,735 SH   SOLE   0 0 1,735
Tractor Supply Co. COM 892356106 1,002 7,600 SH   SOLE   0 0 7,600
Trade Desk, Inc. COM 88339J105 684 1,683 SH   SOLE   0 0 1,683
Twilio Inc COM 90138F102 219 1,000 SH   SOLE   0 0 1,000
Union Pacific Corp. COM 907818108 5,079 30,041 SH   SOLE   0 0 30,041
United Parcel Service Inc. COM 911312106 4,351 39,131 SH   SOLE   0 0 39,131
UnitedHealth Group, Inc. COM 91324P102 9,479 32,137 SH   SOLE   0 0 32,137
VISA Inc. COM 92826C839 19,203 99,407 SH   SOLE   0 0 99,407
Verizon Communications, Inc. COM 92343V104 5,345 96,953 SH   SOLE   0 0 96,953
WEC Energy Group COM 92939U106 3,551 40,518 SH   SOLE   0 0 40,518
Walt Disney Company COM 254687106 10,352 92,836 SH   SOLE   0 0 92,836
Williams-Sonoma Inc. COM 969904101 205 2,500 SH   SOLE   0 0 2,500
Zoom Video Communications Inc COM 98980L101 279 1,100 SH   SOLE   0 0 1,100
Fidelity Nasdaq Composite Inde COM 315912808 2,550 6,519 SH   SOLE   0 0 6,519
Goldman Sachs JUST U.S. COM 381430396 707 15,749 SH   SOLE   0 0 15,749
Invesco FTSE RAFI 1500 Small-M COM 46137V597 2,565 22,965 SH   SOLE   0 0 22,965
Invesco MSCI Global Timber COM 73936Q587 1,399 57,000 SH   SOLE   0 0 57,000
Invesco QQQ Trust ETF COM 46090E103 2,752 11,114 SH   SOLE   0 0 11,114
Invesco S&P 500 Equal Weight T COM 46137V282 1,830 9,190 SH   SOLE   0 0 9,190
Invesco S&P 500 Low Volatility COM 46138e354 35,074 705,991 SH   SOLE   0 0 705,991
Real Estate Select Sector SPDR COM 81369y860 11,992 344,510 SH   SOLE   0 0 344,510
SPDR S&P 500 ETF Trust COM 78462F103 11,840 38,398 SH   SOLE   0 0 38,398
SPDR SSGA Gender Diversity Ind COM 78468r747 653 9,179 SH   SOLE   0 0 9,179
Schwab US Large Cap Growth ETF COM 808524300 2,767 27,248 SH   SOLE   0 0 27,248
Schwab US Mid Cap COM 808524508 2,459 46,729 SH   SOLE   0 0 46,729
Vanguard Index Funds Vanguard COM 922908736 1,056 5,227 SH   SOLE   0 0 5,227
Vanguard Info Tech COM 92204A702 296 1,063 SH   SOLE   0 0 1,063
Vanguard S&P 500 COM 922908363 81,365 287,074 SH   SOLE   0 0 287,074
WisdomTree Cloud Computing ETF COM 97717y691 14,182 364,017 SH   SOLE   0 0 364,017
iShares Core Russell U.S. Grow COM 464287671 2,052 28,546 SH   SOLE   0 0 28,546
iShares Core S&P Mid-Cap COM 464287507 1,913 10,758 SH   SOLE   0 0 10,758
iShares Core S&P Small-Cap COM 464287804 20,478 299,868 SH   SOLE   0 0 299,868
iShares MSCI Low Carbon Target COM 46434v464 728 6,022 SH   SOLE   0 0 6,022
iShares Nasdaq Biotech COM 464287556 13,777 100,787 SH   SOLE   0 0 100,787
iShares Russell Midcap COM 464287499 43,866 818,391 SH   SOLE   0 0 818,391
iShares S&P 500 Growth COM 464287309 477 2,300 SH   SOLE   0 0 2,300
Vanguard FTSE All-World ex-US COM 922042775 27,304 573,500 SH   SOLE   0 0 573,500
Wisdomtree Emerging Markets Sm COM 97717w281 842 21,595 SH   SOLE   0 0 21,595
iShares MSCI Australia Index F COM 464286103 737 38,260 SH   SOLE   0 0 38,260
iShares MSCI Canada COM 464286509 1,009 39,000 SH   SOLE   0 0 39,000
iShares MSCI Hong Kong COM 464286871 1,346 63,000 SH   SOLE   0 0 63,000
iShares MSCI Singapore COM 46434G780 793 42,270 SH   SOLE   0 0 42,270
SPDR S&P Dividend COM 78464A763 3,982 43,659 SH   SOLE   0 0 43,659
Vanguard Div Appreciation COM 921908844 407 3,473 SH   SOLE   0 0 3,473
Wisdom Tree US Div Growth Fund COM 97717X669 5,704 125,387 SH   SOLE   0 0 125,387
iShares Core Dividend Growth COM 46434v621 1,724 45,858 SH   SOLE   0 0 45,858
iShares Select Dividend COM 464287168 2,729 33,804 SH   SOLE   0 0 33,804
JP Morgan ETF Trust Ultrashort COM 46641q837 21,054 415,027 SH   SOLE   0 0 415,027
PIMCO Total Rtn COM 72201R775 223 2,000 SH   SOLE   0 0 2,000
SPDR Blmbrg Bcly Inv Gr Floati COM 78468r200 5,338 175,117 SH   SOLE   0 0 175,117
SPDR Doubleline Total Return T COM 78467V848 560 11,308 SH   SOLE   0 0 11,308
Vanguard Scottsdale FDS Inter COM 92206c706 785 11,125 SH   SOLE   0 0 11,125
Vanguard Short Term Treasury COM 92206C102 1,620 26,045 SH   SOLE   0 0 26,045
Vanguard Short-Term Cor. Bond COM 92206C409 24,823 300,303 SH   SOLE   0 0 300,303
Apple Inc. COM 037833100 687 1,883 SH   SOLE   0 0 1,883
Berkshire Hathaway CL B COM 084670702 203 1,137 SH   SOLE   0 0 1,137
Dodge & Cox Balanced Fund COM 256201104 269 2,978 SH   SOLE   0 0 2,978
General Electric Company COM 369604103 5,084 744,361 SH   SOLE   0 0 744,361
JPMorgan Chase & Co COM 46625H100 378 4,015 SH   SOLE   0 0 4,015
Personal Mini Storage St Cloud COM lp0021628 57 10,000 SH   SOLE   0 0 10,000
Crown Castle International COM 22822V101 1,152 6,883 SH   SOLE   0 0 6,883
Cubesmart COM 229663109 582 21,560 SH   SOLE   0 0 21,560
Digital Realty Trust Inc COM 253868103 3,842 27,032 SH   SOLE   0 0 27,032
Highlands Reit Inc COM 43110a104 4 10,396 SH   SOLE   0 0 10,396
Inventrust Properties Corp Com COM 46124j102 33 10,396 SH   SOLE   0 0 10,396
National Retail Properties Inc COM 637417106 517 14,567 SH   SOLE   0 0 14,567
Blackrock Health Sciences Oppo COM 091937540 223 3,143 SH   SOLE   0 0 3,143
DFA International Core Equity COM 233203371 382 32,580 SH   SOLE   0 0 32,580
DFA US Core Equity COM 233203413 731 30,826 SH   SOLE   0 0 30,826
DFA US Targeted Value Fund COM 233203595 239 13,832 SH   SOLE   0 0 13,832
Dodge Cox Stock Fund COM 256219106 225 1,403 SH   SOLE   0 0 1,403
Fidelity 500 Index COM 315911750 1,508 13,967 SH   SOLE   0 0 13,967
Fidelity Contrafund COM 316071109 1,334 89,403 SH   SOLE   0 0 89,403
Fidelity Diversified Internati COM 315910281 676 17,050 SH   SOLE   0 0 17,050
Fidelity Dividend Growth Fund: COM 316389543 657 25,576 SH   SOLE   0 0 25,576
Fidelity International Discove COM 315910208 673 15,298 SH   SOLE   0 0 15,298
Fidelity Low Price Stock AD COM 316345305 1,097 25,553 SH   SOLE   0 0 25,553
Fidelity Low Price Stock Fund COM 316345800 582 13,556 SH   SOLE   0 0 13,556
Fidelity Small Cap Growth COM 316389766 680 25,280 SH   SOLE   0 0 25,280
Glenmede Large Cap Core COM 378690788 316 12,930 SH   SOLE   0 0 12,930
Oakmark Fund COM 413838103 996 14,556 SH   SOLE   0 0 14,556
Oakmark International Fund COM 413838202 501 26,073 SH   SOLE   0 0 26,073
SEI International Equity Fund COM 78411r109 108 10,461 SH   SOLE   0 0 10,461
SEI Tax Managed Large Cap COM 783925571 220 8,599 SH   SOLE   0 0 8,599
Schwab SP500 Index Fund COM 808509855 547 11,434 SH   SOLE   0 0 11,434
Schwab Total Stock Market Inde COM 808509756 287 5,315 SH   SOLE   0 0 5,315
TIAA-CREF Large-Cap Growth Ind COM 87244W680 854 21,409 SH   SOLE   0 0 21,409
TIAA-CREF Small-Cap Blend Inde COM 87244W573 187 10,328 SH   SOLE   0 0 10,328
Vaguard Small-Cap Index COM 922908686 587 8,392 SH   SOLE   0 0 8,392
Vanguard Mid-Cap Index Fund In COM 922908835 928 20,690 SH   SOLE   0 0 20,690
Vanguard Selected Value Fund COM 921946109 1,000 47,283 SH   SOLE   0 0 47,283
Vanguard Specialized Dividend COM 921908604 284 10,022 SH   SOLE   0 0 10,022
Vanguard Total International S COM 921909784 292 2,756 SH   SOLE   0 0 2,756
Vanguard Wellesley Inc. Fund COM 921938106 223 8,256 SH   SOLE   0 0 8,256
Vanguard Windsor II Fund COM 922018205 1,108 34,060 SH   SOLE   0 0 34,060
DFA Intermediate Term Extended COM 23320G513 755 64,321 SH   SOLE   0 0 64,321
DFA Selectively Hedged Global COM 233203223 391 40,475 SH   SOLE   0 0 40,475
DFA Short Term Extended Qualit COM 23320G521 906 83,092 SH   SOLE   0 0 83,092
Dreyfus Bond Market INdex Fund COM 261978878 322 29,005 SH   SOLE   0 0 29,005
Federated Govt Obligations Fd COM 60934n807 429 429,000 SH   SOLE   0 0 429,000
Federated Prime Cash Obligatio COM 60934n617 56 55,683 SH   SOLE   0 0 55,683
Fid Intermediate Bond Fund COM 315912105 356 31,012 SH   SOLE   0 0 31,012
Fidelity Government Money Mark COM 31617H706 600 600,000 SH   SOLE   0 0 600,000
Fidelity Investment Grade COM 316146109 1,841 211,317 SH   SOLE   0 0 211,317
Fidelity Mmkt Premium Class COM 31617h805 799 798,948 SH   SOLE   0 0 798,948
Fidelity Spartan Money Market COM 31617H201 1,378 1,377,500 SH   SOLE   0 0 1,377,500
Franklin Fed Interm T/F A COM 354723710 172 14,072 SH   SOLE   0 0 14,072
Metropolitan West Total Return COM 592905103 221 19,153 SH   SOLE   0 0 19,153
Nuveen Arizona Mun Bond Fund C COM 67065l104 201 18,056 SH   SOLE   0 0 18,056
PIMCO Total Return Instl COM 693390700 133 12,318 SH   SOLE   0 0 12,318
Putnam Tax Exempt Income CL A COM 746870104 96 11,130 SH   SOLE   0 0 11,130
Schwab Government Money Fund I COM 808515613 207 207,097 SH   SOLE   0 0 207,097
Schwab Treasury Obligations Mo COM 808515621 160 160,000 SH   SOLE   0 0 160,000
Schwab U.S. Treasury Money Fun COM 808515548 11,761 11,760,740 SH   SOLE   0 0 11,760,740
Schwab Value Advantage Money F COM 808515696 25,361 25,360,850 SH   SOLE   0 0 25,360,850
Schwab Value Advantage Money F COM 808515605 6,502 6,501,575 SH   SOLE   0 0 6,501,575
Tax Free Fund For Utah Class A COM 03842a822 158 14,748 SH   SOLE   0 0 14,748
UBS Prime Investor Fund COM 90262y810 719 719,317 SH   SOLE   0 0 719,317
UBS Prime Reserves Fund COM 90262y786 1,107 1,107,236 SH   SOLE   0 0 1,107,236
UBS Select Government Investor COM 90262Y752 1,988 1,987,547 SH   SOLE   0 0 1,987,547
Vanguard Intermediate-Term Inv COM 922031810 1,822 173,170 SH   SOLE   0 0 173,170
Vanguard Short-Term Investment COM 922031836 658 60,176 SH   SOLE   0 0 60,176