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
AT&T Corp COM 00206R102 2,004 51,534 SH   SOLE   33,694 0 17,840
Abbott Labs COM 002824100 1,503 26,336 SH   SOLE   15,496 0 10,840
Alphabet, Inc - Cl A COM 02079K305 2,327 2,209 SH   SOLE   1,475 0 734
Alphabet, Inc - Cl C COM 02079K107 1,798 1,718 SH   SOLE   1,050 0 668
Altria Group COM 02209S103 2,063 28,893 SH   SOLE   18,536 0 10,357
Apple Inc COM 037833100 2,744 16,214 SH   SOLE   10,554 0 5,660
Becton Dickinson & Co COM 075887109 2,508 11,716 SH   SOLE   7,783 0 3,933
Chevron Corp COM 166764100 2,782 22,225 SH   SOLE   14,855 0 7,370
Colgate-Palmolive COM 194162103 1,211 16,048 SH   SOLE   12,908 0 3,140
Comcast Corp Cl A COM 20030N101 2,079 51,916 SH   SOLE   32,373 0 19,543
Danaher Corp COM 235851102 2,281 24,575 SH   SOLE   15,378 0 9,197
Exxon Mobil Corp COM 30231G102 1,804 21,568 SH   SOLE   14,358 0 7,210
FedEx Corp COM 31428X106 2,599 10,415 SH   SOLE   6,910 0 3,505
Fiserv Inc. COM 337738108 2,512 19,156 SH   SOLE   12,143 0 7,013
Honeywell Int'l COM 438516106 2,766 18,035 SH   SOLE   12,072 0 5,963
Intercontinental Exchange Grou COM 45866F104 2,544 36,060 SH   SOLE   24,085 0 11,975
Johnson & Johnson COM 478160104 1,724 12,336 SH   SOLE   6,957 0 5,379
MGIC Investment COM 552848103 152 10,769 SH   SOLE   10,769 0 0
Metlife Inc COM 59156R108 2,004 39,635 SH   SOLE   25,875 0 13,760
P G & E Corp COM 69331C108 704 15,700 SH   SOLE   10,240 0 5,460
SPDR S&P Biotech ETF COM 78464A870 2,513 29,605 SH   SOLE   19,805 0 9,800
SPDR S&P Oil & Gas Exploration COM 78464A730 2,090 56,220 SH   SOLE   36,760 0 19,460
SPDR S&P Regional Banking ETF COM 78464A698 2,806 47,675 SH   SOLE   30,955 0 16,720
SPDR Sector - Consumer Discret COM 81369Y407 2,906 29,450 SH   SOLE   19,777 0 9,673
SPDR Sector - Consumer Staples COM 81369y308 2,487 43,722 SH   SOLE   29,257 0 14,465
SPDR Sector - Financial ETF COM 81369Y605 2,627 94,120 SH   SOLE   61,162 0 32,958
SPDR Sector - Healthcare ETF COM 81369y209 3,396 41,072 SH   SOLE   28,047 0 13,025
SPDR Sector - Materials ETF COM 81369y100 2,599 42,945 SH   SOLE   27,315 0 15,630
SPDR Sector - Technology ETF COM 81369y803 6,412 100,262 SH   SOLE   64,081 0 36,181
SPDR Sector - Utilities ETF COM 81369y886 1,022 19,396 SH   SOLE   12,835 0 6,561
SPDR Sector Real Estate ETF COM 81369Y860 422 12,824 SH   SOLE   8,228 0 4,596
United Parcel Service Inc Cl B COM 911312106 2,262 18,981 SH   SOLE   12,168 0 6,813
United Technologies COM 913017109 202 1,584 SH   SOLE   1,584 0 0
Vanguard Consumer Staples ETF COM 92204a207 804 5,502 SH   SOLE   4,330 0 1,172
Vanguard Information Technolog COM 92204A702 242 1,470 SH   SOLE   1,470 0 0
Visa, Inc. COM 92826C839 2,775 24,339 SH   SOLE   15,752 0 8,587
Walgreen's Boots Alliance Inc, COM 931427108 748 10,299 SH   SOLE   6,844 0 3,455
Whirlpool Corp COM 963320106 2,108 12,500 SH   SOLE   8,105 0 4,395
American Funds AMCAP Fund Cl F FD ETF 023375405 242 7,744 SH   SOLE   7,548 0 196
Guggenheim S&P 500 Equal Weigh FD ETF 78355w106 765 7,571 SH   SOLE   6,276 0 1,295
Powershares S&P 500 Low Volati FD ETF 73937B779 345 7,225 SH   SOLE   6,410 0 815
SPDR S&P 500 ETF FD ETF 78462f103 5,131 19,226 SH   SOLE   14,806 0 4,420
Schwab US Large Cap Growth ETF FD ETF 808524300 315 4,452 SH   SOLE   4,243 0 209
Schwab US Large Cap Value ETF FD ETF 808524409 229 4,189 SH   SOLE   4,097 0 92
Schwab US Mid-Cap ETF FD ETF 808524508 600 11,258 SH   SOLE   10,691 0 567
Vanguard Emerging Market ETF FD ETF 922042858 3,294 71,748 SH   SOLE   53,528 0 18,220
Vanguard U.S. Total Stock Mark FD ETF 922908769 2,609 19,012 SH   SOLE   19,012 0 0
iShares MSCI Pacific ex-Japan FD ETF 464286665 2,402 50,253 SH   SOLE   35,008 0 15,245
PIMCO Enhanced Short Maturity FD ETF 72201R833 1,270 12,505 SH   SOLE   12,365 0 140
Powershares Senior Loan ETF FD ETF 73936Q769 3,008 130,567 SH   SOLE   97,352 0 33,215
SPDR Barclays Convertible Secu FD ETF 78464A359 483 9,550 SH   SOLE   7,144 0 2,406
Schwab U.S. Aggregate Bond ETF FD ETF 808524839 456 8,769 SH   SOLE   8,287 0 482
Schwab U.S. TIPS ETF FD ETF 808524870 1,083 19,539 SH   SOLE   17,251 0 2,288
Vanguard Intermediate Term Cor FD ETF 92206c870 2,628 30,071 SH   SOLE   20,434 0 9,637
Vanguard Short Term Corp Bond FD ETF 92206c409 4,628 58,364 SH   SOLE   42,378 0 15,986
Vanguard Total Bond Market ETF FD ETF 921937835 9,124 111,859 SH   SOLE   83,651 0 28,208
iShares Barclays 1-3 Year Cred FD ETF 464288646 6,527 62,438 SH   SOLE   47,655 0 14,783
iShares Barclays Intermed Cred FD ETF 464288638 4,059 37,167 SH   SOLE   26,730 0 10,437
iShares Core Total US Bond Mar FD ETF 464287226 649 5,935 SH   SOLE   4,970 0 965
iShares Floating Rate Bond ETF FD ETF 46429B655 747 14,700 SH   SOLE   14,700 0 0
iShares Intermediate Gov/Credi FD ETF 464288612 774 7,051 SH   SOLE   5,663 0 1,388
SPDR Nuveen Barclay's Short-Te FD ETF 78468R739 1,621 33,835 SH   SOLE   25,846 0 7,989
VanEck Vectors High-Yield Muni FD ETF 92189F361 252 8,065 SH   SOLE   0 0 8,065