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
3M Co. COM 88579Y101 10,626 63,772 SH   SOLE NONE 63,772 0 0
Adobe Systems Inc. COM 00724F101 1,471 15,680 SH   SOLE NONE 15,680 0 0
Aflac Inc. COM 001055102 4,185 66,276 SH   SOLE NONE 66,276 0 0
Amazon.com Inc. COM 023135106 551 928 SH   SOLE NONE 928 0 0
American Tower Corp. COM 03027X100 7,613 74,370 SH   SOLE NONE 74,370 0 0
Amgen Inc. COM 031162100 9,776 65,201 SH   SOLE NONE 65,201 0 0
Baxalta Inc. COM 07177M103 2,150 53,223 SH   SOLE NONE 53,223 0 0
Baxter International Inc. COM 071813109 2,367 57,623 SH   SOLE NONE 57,623 0 0
Boeing Co. COM 097023105 943 7,426 SH   SOLE NONE 7,426 0 0
CVS Health Corp. COM 126650100 12,626 121,721 SH   SOLE NONE 121,721 0 0
Canadian Natural Resources Ltd COM 136385101 205 7,600 SH   SOLE NONE 7,600 0 0
Cenovus Energy Inc. COM 15135U109 436 33,508 SH   SOLE NONE 33,508 0 0
Colgate-Palmolive Co. COM 194162103 4,969 70,338 SH   SOLE NONE 70,338 0 0
Comcast Corp. CL A 20030N101 403 6,603 SH   SOLE NONE 6,603 0 0
ConocoPhillips COM 20825C104 2,688 66,738 SH   SOLE NONE 66,738 0 0
Dominion Resources Inc. COM 25746U109 3,454 45,980 SH   SOLE NONE 45,980 0 0
EMC Corp. COM 268648102 8,548 320,732 SH   SOLE NONE 320,732 0 0
Eli Lilly & Co. COM 532457108 415 5,766 SH   SOLE NONE 5,766 0 0
Express Scripts Inc. COM 30219G108 1,904 27,724 SH   SOLE NONE 27,724 0 0
Exxon Mobil Corp. COM 30231G102 4,560 54,549 SH   SOLE NONE 54,549 0 0
Facebook Inc. CL A 30303M102 2,072 18,158 SH   SOLE NONE 18,158 0 0
Fidelity National Financial In FNF GROUP COM 31620R303 4,482 132,200 SH   SOLE NONE 132,200 0 0
General Electric Co. COM 369604103 9,576 301,235 SH   SOLE NONE 301,235 0 0
Goldman Sachs Group Inc. COM 38141G104 3,993 25,436 SH   SOLE NONE 25,436 0 0
Halyard Health Inc. COM 40650V100 256 8,901 SH   SOLE NONE 8,901 0 0
Home Depot Inc. COM 437076102 9,287 69,605 SH   SOLE NONE 69,605 0 0
Honeywell International Inc. COM 438516106 13,575 121,152 SH   SOLE NONE 121,152 0 0
Johnson & Johnson COM 478160104 8,766 81,019 SH   SOLE NONE 81,019 0 0
Kimberly-Clark Corp. COM 494368103 9,125 67,840 SH   SOLE NONE 67,840 0 0
Kroger Co. COM 501044101 12,241 320,020 SH   SOLE NONE 320,020 0 0
Medtronic plc SHS G5960L103 9,327 124,365 SH   SOLE NONE 124,365 0 0
MetLife Inc. COM 59156R108 4,279 97,377 SH   SOLE NONE 97,377 0 0
Microsoft Corp. COM 594918104 13,545 245,246 SH   SOLE NONE 245,246 0 0
Nike Inc. CL B 654106103 393 6,400 SH   SOLE NONE 6,400 0 0
Pepsico Inc. COM 713448108 7,942 77,497 SH   SOLE NONE 77,497 0 0
Phillips 66 Co. COM 718546104 7,740 89,385 SH   SOLE NONE 89,385 0 0
Praxair Inc. COM 74005P104 6,778 59,218 SH   SOLE NONE 59,218 0 0
QEP Resources Inc. COM 74733V100 490 34,747 SH   SOLE NONE 34,747 0 0
Questar Corp. COM 748356102 4,131 166,572 SH   SOLE NONE 166,572 0 0
Schlumberger Ltd. COM 806857108 3,290 44,610 SH   SOLE NONE 44,610 0 0
Stericycle Inc. COM 858912108 3,468 27,485 SH   SOLE NONE 27,485 0 0
TJX Companies Inc. COM 872540109 8,568 109,360 SH   SOLE NONE 109,360 0 0
Teva Pharmaceutical Industries ADR 881624209 2,681 50,095 SH   SOLE NONE 50,095 0 0
Texas Instruments Inc. COM 882508104 5,554 96,720 SH   SOLE NONE 96,720 0 0
The Walt Disney Co. COM DISNEY 254687106 8,381 84,393 SH   SOLE NONE 84,393 0 0
Union Pacific Corp. COM 907818108 7,005 88,062 SH   SOLE NONE 88,062 0 0
VF Corp. COM 918204108 9,140 141,130 SH   SOLE NONE 141,130 0 0
Visa Inc. COM CL A 92826C839 1,865 24,389 SH   SOLE NONE 24,389 0 0
W.R. Berkley Corp. COM 084423102 3,672 65,340 SH   SOLE NONE 65,340 0 0
Wells Fargo & Co. COM 949746101 7,500 155,093 SH   SOLE NONE 155,093 0 0
Vanguard FTSE Developed Market FTSE DEV MKT ETF 921943858 12,741 355,100 SH   SOLE NONE 355,100 0 0
Vanguard FTSE Emerging Markets FTSE EMR MKT ETF 922042858 1,814 52,463 SH   SOLE NONE 52,463 0 0
iShares Core S&P Small Cap ETF CORE S&P SCP ETF 464287804 6,263 55,640 SH   SOLE NONE 55,640 0 0
iShares S&P Mid Cap 400 Growth S&P MC 400GR ETF 464287606 341 2,100 SH   SOLE NONE 2,100 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 1,808 8,795 SH   SOLE NONE 8,795 0 0
iShares S&P 500 Growth Index E S&P 500 GRWT ETF 464287309 498 4,300 SH   SOLE NONE 4,300 0 0
SPDR Barclays Short-Term High SHT TRM HGH YLD 78468R408 1,512 58,575 SH   SOLE NONE 58,575 0 0
SPDR Gold Trust GOLD SHS 78463V107 9,054 76,965 SH   SOLE NONE 76,965 0 0
iShares Gold Trust ISHARES 464285105 2,575 216,760 SH   SOLE NONE 216,760 0 0