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 604059105 2,154 12,428 SH   SOLE   0 0 12,428
Abbott Laboratories COM 002824100 1,002 11,914 SH   SOLE   0 0 11,914
Abbvie Inc COM 00287Y109 296 4,068 SH   SOLE   0 0 4,068
Accenture Ltd Cl A SHS CLASS A G1151C101 273 1,475 SH   SOLE   0 0 1,475
Adobe Systems Inc COM 00724F101 8,377 28,432 SH   SOLE   0 0 28,432
Agilent Technologies, Inc. COM 00846U101 892 11,940 SH   SOLE   0 0 11,940
Alibaba Group Holding Ltd SPONSORED ADS 01609W102 2,849 16,811 SH   SOLE   0 0 16,811
Align Technology Inc COM 016255101 2,164 7,906 SH   SOLE   0 0 7,906
Alphabet Inc Class A CAP STK CL A 02079K305 2,853 2,635 SH   SOLE   0 0 2,635
Alphabet Inc Class C CAP STK CL C 02079K107 819 758 SH   SOLE   0 0 758
Amazon.com COM 023135106 3,833 2,024 SH   SOLE   0 0 2,024
American Express Co COM 025816109 2,587 20,954 SH   SOLE   0 0 20,954
Amgen Inc. COM 031162100 630 3,419 SH   SOLE   0 0 3,419
Analog Devices, Inc. COM 032654105 1,062 9,410 SH   SOLE   0 0 9,410
Anthem Inc COM 036752103 2,753 9,756 SH   SOLE   0 0 9,756
Apple Computer Inc COM 037833100 2,073 10,475 SH   SOLE   0 0 10,475
AT&T Corp. COM 00206R102 399 11,909 SH   SOLE   0 0 11,909
Atlantic Union Bankshares COM 04911A107 599 16,950 SH   SOLE   0 0 16,950
Auto Data Processing COM 053015103 923 5,580 SH   SOLE   0 0 5,580
Bank of America Corporation COM 060505104 1,530 52,748 SH   SOLE   0 0 52,748
Bank of Nova Scotia COM 064149107 262 4,819 SH   SOLE   0 0 4,819
Baxter International COM 071813109 426 5,200 SH   SOLE   0 0 5,200
BB&T Corporation COM 054937107 3,721 75,739 SH   SOLE   0 0 75,739
Becton, Dickinson and Company COM 075887109 282 1,119 SH   SOLE   0 0 1,119
Berkshire Hathaway B CL B NEW 084670702 7,513 35,244 SH   SOLE   0 0 35,244
Biogen Idec Inc COM 09062X103 3,427 14,655 SH   SOLE   0 0 14,655
Boeing Co COM 097023105 1,295 3,557 SH   SOLE   0 0 3,557
BP ADR SPONSORED ADR 055622104 1,087 26,077 SH   SOLE   0 0 26,077
Bristol-Myers Squibb Co COM 110122108 356 7,848 SH   SOLE   0 0 7,848
Cabot Microelectron COM 12709P103 815 7,400 SH   SOLE   0 0 7,400
Canadian Pac Ltd COM 13645T100 5,558 23,625 SH   SOLE   0 0 23,625
Cboe Glbl Mkts COM 12503M108 6,100 58,865 SH   SOLE   0 0 58,865
Cheesecake Factory Inc COM 163072101 1,575 36,030 SH   SOLE   0 0 36,030
Chemical Financial Corp COM 163731102 898 21,845 SH   SOLE   0 0 21,845
Chevron Corporation COM 166764100 1,859 14,935 SH   SOLE   0 0 14,935
CIGNA Corporation COM 125509109 2,344 14,877 SH   SOLE   0 0 14,877
Cincinnati Bell COM 171871403 996 26,885 SH   SOLE   0 0 26,885
Cisco Systems, Inc. COM CL A 17275R102 1,758 32,130 SH   SOLE   0 0 32,130
CME Group Inc Cl A COM 12572Q105 5,818 29,975 SH   SOLE   0 0 29,975
Coca-Cola Company SPONSORED ADR 191216100 3,085 60,579 SH   SOLE   0 0 60,579
Compania Cervecerias Unidas COM 204429104 665 23,540 SH   SOLE   0 0 23,540
Corning Incorporated COM 219350105 798 24,001 SH   SOLE   0 0 24,001
Corteva Inc COM 22052L104 758 25,623 SH   SOLE   0 0 25,623
Costco Whsl Corp New COM 22160K105 6,492 24,567 SH   SOLE   0 0 24,567
Danaher Corporation COM 235851102 314 2,200 SH   SOLE   0 0 2,200
Deere & Company COM 244199105 869 5,245 SH   SOLE   0 0 5,245
Diageo ADR SPON ADR NEW 25243Q205 620 3,596 SH   SOLE   0 0 3,596
Dominion Resources COM 25746U109 8,779 113,541 SH   SOLE   0 0 113,541
Dow Chemical Company COM 260557103 1,682 34,120 SH   SOLE   0 0 34,120
Du Pont (E.I.) COM 26614N102 2,045 27,245 SH   SOLE   0 0 27,245
Duke Energy Corporation COM 264399106 505 5,718 SH   SOLE   0 0 5,718
Entergy Corporation COM 29364G103 627 6,090 SH   SOLE   0 0 6,090
Exxon Mobil Corp COM 30231G102 4,673 60,978 SH   SOLE   0 0 60,978
Facebook Inc Class A CL A 30303M102 2,283 11,830 SH   SOLE   0 0 11,830
Fedex Corp COM 31428X106 3,995 24,330 SH   SOLE   0 0 24,330
Fomento Eco Mex Sab Adrf SPON ADR UNITS 344419106 2,955 30,545 SH   SOLE   0 0 30,545
Gartner Inc COM 366651107 1,122 6,974 SH   SOLE   0 0 6,974
General Dynamics Corp COM 369550108 1,787 9,830 SH   SOLE   0 0 9,830
Genuine Parts Company COM 372460105 1,104 10,659 SH   SOLE   0 0 10,659
Goldman Sachs Group Inc COM 38141G204 444 2,170 SH   SOLE   0 0 2,170
Hess Corp COM 42809H107 3,189 50,162 SH   SOLE   0 0 50,162
HEXO Corp. COM 428304109 92 17,250 SH   SOLE   0 0 17,250
Home Depot, Inc. COM 437076102 636 3,060 SH   SOLE   0 0 3,060
Honeywell International COM 438516106 408 2,337 SH   SOLE   0 0 2,337
Illinois Tool Works, Inc. COM 452308109 809 5,364 SH   SOLE   0 0 5,364
Int'l Business Machines COM 459200101 508 3,685 SH   SOLE   0 0 3,685
Intuit Inc COM 461202103 9,785 37,443 SH   SOLE   0 0 37,443
iShares 0-5 Year TIPS 0-5 YR TIPS ETF 46429B747 214 2,130 SH   SOLE   0 0 2,130
iShares MSCI India MSCI INDIA ETF 46429B598 2,102 59,540 SH   SOLE   0 0 59,540
iShares Russell 1000 Growth RUS 1000 GRW ETF 464287614 331 2,104 SH   SOLE   0 0 2,104
iShares S&P Small Cap CORE S&P500 ETF 464287804 1,452 18,550 SH   SOLE   0 0 18,550
iShares Tr S&P Midcap CORE S&P SCP ETF 464287507 203 1,046 SH   SOLE   0 0 1,046
J M Smuckers Co COM 832696405 1,592 13,817 SH   SOLE   0 0 13,817
J.P. Morgan Chase & Co. COM 46625H100 3,260 29,156 SH   SOLE   0 0 29,156
Johnson & Johnson COM 478160104 3,471 24,919 SH   SOLE   0 0 24,919
Keysight Technologies Inc. COM 49338L103 3,298 36,725 SH   SOLE   0 0 36,725
Kimberly-Clark Corp COM 494368103 4,684 35,146 SH   SOLE   0 0 35,146
KVH Industries Inc COM 482738101 1,263 116,172 SH   SOLE   0 0 116,172
Leggett & Platt, Inc. COM 524660107 759 19,777 SH   SOLE   0 0 19,777
Lindblad Expeditions Holdings COM 535219109 941 52,400 SH   SOLE   0 0 52,400
Lockheed Martin Corporation COM 539830109 845 2,323 SH   SOLE   0 0 2,323
Marriott Intl Inc Cl A CL A 571903202 303 2,161 SH   SOLE   0 0 2,161
Medtronic, Inc. SHS G5960L103 226 2,317 SH   SOLE   0 0 2,317
Merck & Co., Inc. COM 589331107 4,683 55,844 SH   SOLE   0 0 55,844
Microsoft Corp COM 594918104 2,988 22,305 SH   SOLE   0 0 22,305
Novartis AG SPONSORED ADR 66987V109 209 2,294 SH   SOLE   0 0 2,294
Parker Hannifin Corporation COM 701094104 263 1,549 SH   SOLE   0 0 1,549
PepsiCo, Inc. COM 713448108 2,834 21,614 SH   SOLE   0 0 21,614
Pfizer, Inc. COM 717081103 785 18,115 SH   SOLE   0 0 18,115
Philip Morris Intl Inc COM 718172109 213 2,711 SH   SOLE   0 0 2,711
PNC Financial Services Group COM 693475105 1,146 8,350 SH   SOLE   0 0 8,350
Powershares QQQ Tr COM 46090E103 1,208 6,470 SH   SOLE   0 0 6,470
PPG Industries, Inc. COM 693506107 1,230 10,541 SH   SOLE   0 0 10,541
Procter & Gamble Co COM 742718109 4,372 39,873 SH   SOLE   0 0 39,873
Qualcomm, Inc. COM 747525103 3,950 51,929 SH   SOLE   0 0 51,929
Raytheon Co. COM 755111507 542 3,119 SH   SOLE   0 0 3,119
Redhat Inc COM 756577102 1,180 6,285 SH   SOLE   0 0 6,285
Republic Bancorp COM 760281204 2,249 45,200 SH   SOLE   0 0 45,200
Republic Services Inc. COM 760759100 927 10,700 SH   SOLE   0 0 10,700
Rio Tinto PLC COM 767204100 1,247 20,000 SH   SOLE   0 0 20,000
Royal Bk Cda Montreal COM 780087102 618 7,785 SH   SOLE   0 0 7,785
Sage Therapeutics COM 78667J108 2,649 14,470 SH   SOLE   0 0 14,470
Schlumberger Limited COM 806857108 535 13,465 SH   SOLE   0 0 13,465
Schwab Strategic Us Div Eq US DIDIVEND EQ 808524797 2,585 48,707 SH   SOLE   0 0 48,707
Schwab U.S. Mid-Cap US DIDIVEND EQ 808524508 10,929 191,433 SH   SOLE   0 0 191,433
Schwab US Aggregate Bond US AGGREGATE B 808524839 222 4,180 SH   SOLE   0 0 4,180
SPDR Portfolio Large Cap PORTFOLIO LR ETF 78464A854 9,854 285,282 SH   SOLE   0 0 285,282
SPDR Portfolio Mid Cap PORTFOLIO MD ETF 78464A847 695 20,395 SH   SOLE   0 0 20,395
SPDR S&P 500 TR UNIT 78462F103 2,466 8,415 SH   SOLE   0 0 8,415
SPDR S&P 600 Small Cap S&P 600 SML CAP 78464A813 10,046 148,538 SH   SOLE   0 0 148,538
SPDR Total Stock Market PORTFOLIO TL STK 78464A805 526 14,432 SH   SOLE   0 0 14,432
SPDR Utility Select COM 81369Y886 716 12,010 SH   SOLE   0 0 12,010
SRC Energy Inc COM 78470V108 228 45,900 SH   SOLE   0 0 45,900
Starbucks Corporation COM 855244109 1,097 13,082 SH   SOLE   0 0 13,082
Target Corporation COM 87612E106 225 2,600 SH   SOLE   0 0 2,600
TE Connectivity Ltd REG SHS H84989104 672 7,019 SH   SOLE   0 0 7,019
Tegna Inc COM 87901J105 164 10,850 SH   SOLE   0 0 10,850
Texas Instruments Inc COM 882508104 7,873 68,605 SH   SOLE   0 0 68,605
TherapeuticsMD COM 88338N107 134 51,532 SH   SOLE   0 0 51,532
Thermo Fisher Scientific COM 883556102 965 3,286 SH   SOLE   0 0 3,286
U.S. Bancorp COM 902973304 287 5,469 SH   SOLE   0 0 5,469
Unilever NV COM 904784709 5,255 86,540 SH   SOLE   0 0 86,540
Union Pacific Corp COM 907818108 483 2,854 SH   SOLE   0 0 2,854
United Parcel Service COM 911312106 219 2,122 SH   SOLE   0 0 2,122
United Technologies Corp COM 913017109 5,754 44,192 SH   SOLE   0 0 44,192
Vanguard High Dividend HIGH DIV VLD 921946406 247 2,822 SH   SOLE   0 0 2,822
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363 523 1,942 SH   SOLE   0 0 1,942
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 8,802 58,642 SH   SOLE   0 0 58,642
Verizon Communications Inc COM 92343V104 5,286 92,530 SH   SOLE   0 0 92,530
Vornado Realty Trust SH BEN INT 929042109 2,235 34,869 SH   SOLE   0 0 34,869
Wal-Mart Stores Inc COM 931142103 227 2,050 SH   SOLE   0 0 2,050
Walt Disney Company COM 254687106 3,480 24,921 SH   SOLE   0 0 24,921
Washington REIT SH BEN INT 939653101 473 17,700 SH   SOLE   0 0 17,700
Wells Fargo & Co Inc COM 949746101 1,541 32,572 SH   SOLE   0 0 32,572
Westrock Co COM 96145D105 695 19,046 SH   SOLE   0 0 19,046