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
APPLE INC COMMON STOCK 037833100 3,343 31,755 SH   SOLE   31,205 0 550
ABBVIE INC COMMON STOCK 00287Y109 951 16,050 SH   SOLE   16,050 0 0
ABBOTT LABS COMMON STOCK 002824100 738 16,423 SH   SOLE   16,423 0 0
ISHARES TR COMMON STOCK 464288257 2,191 39,244 SH   SOLE   39,244 0 0
ARCHER DANIELS MIDLAND CO COMMON STOCK 039483102 269 7,329 SH   SOLE   7,129 0 200
THE ADT CORPORATION COMMON STOCK 00101J106 690 20,923 SH   SOLE   20,663 0 260
AMERICAN INTL GROUP INC COMMON STOCK 026874784 515 8,310 SH   SOLE   8,170 0 140
AMERICAN WTR WKS CO INC NE COMMON STOCK 030420103 532 8,908 SH   SOLE   8,733 0 175
BAXTER INTL INC COMMON STOCK 071813109 634 16,616 SH   SOLE   16,366 0 250
BANK NEW YORK MELLON CORP COMMON STOCK 064058100 1,766 42,855 SH   SOLE   42,030 0 825
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 1,219 17,720 SH   SOLE   17,720 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670702 312 2,366 SH   SOLE   2,366 0 0
VANGUARD BD INDEX FD INC COMMON STOCK 921937827 16,279 204,586 SH   SOLE   201,051 0 3,535
BAXALTA INC COMMON STOCK 07177M103 670 17,166 SH   SOLE   16,916 0 250
CENTRAL FD CDA LTD COMMON STOCK 153501101 743 74,372 SH   SOLE   71,972 0 2,400
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 1,938 26,852 SH   SOLE   26,427 0 425
ROCKWELL COLLINS INC COMMON STOCK 774341101 635 6,876 SH   SOLE   6,711 0 165
CONOCOPHILLIPS COMMON STOCK 20825C104 403 8,640 SH   SOLE   8,640 0 0
CISCO SYS INC COMMON STOCK 17275R102 266 9,799 SH   SOLE   9,799 0 0
COGNIZANT TECHNOLOGY SOLUT COMMON STOCK 192446102 902 15,025 SH   SOLE   14,500 0 525
CVS HEALTH CORP COMMON STOCK 126650100 1,919 19,628 SH   SOLE   19,328 0 300
CHEVRON CORP NEW COMMON STOCK 166764100 1,354 15,054 SH   SOLE   15,054 0 0
DEERE & CO COMMON STOCK 244199105 390 5,110 SH   SOLE   5,110 0 0
DIAGEO P L C COMMON STOCK 25243Q205 1,903 17,445 SH   SOLE   17,155 0 290
DISNEY WALT CO COMMON STOCK 254687106 3,131 29,793 SH   SOLE   29,208 0 585
ISHARES TR COMMON STOCK 464287168 2,274 30,255 SH   SOLE   30,255 0 0
EQUIFAX INC COMMON STOCK 294429105 1,721 15,452 SH   SOLE   15,182 0 270
E M C CORP MASS COMMON STOCK 268648102 1,647 64,125 SH   SOLE   63,050 0 1,075
EQUITY RESIDENTIAL COMMON STOCK 29476L107 1,561 19,127 SH   SOLE   18,827 0 300
EXPRESS SCRIPTS HLDG CO COMMON STOCK 30219G108 535 6,124 SH   SOLE   5,924 0 200
EXPEDIA INC DEL COMMON STOCK 30212P303 531 4,275 SH   SOLE   4,200 0 75
FORD MTR CO DEL COMMON STOCK 345370860 793 56,292 SH   SOLE   55,417 0 875
FASTENAL CO COMMON STOCK 311900104 1,037 25,400 SH   SOLE   24,975 0 425
FEDEX CORP COMMON STOCK 31428X106 1,043 7,003 SH   SOLE   6,898 0 105
FIRST MIDWEST BANCORP DEL COMMON STOCK 320867104 382 20,720 SH   SOLE   20,270 0 450
GENERAL ELECTRIC CO COMMON STOCK 369604103 3,428 110,045 SH   SOLE   108,195 0 1,850
GILEAD SCIENCES INC COMMON STOCK 375558103 300 2,962 SH   SOLE   2,877 0 85
ALPHABET INC COMMON STOCK 02079K107 683 900 SH   SOLE   873 0 27
ALPHABET INC COMMON STOCK 02079K305 1,131 1,454 SH   SOLE   1,422 0 32
HOME DEPOT INC COMMON STOCK 437076102 2,086 15,772 SH   SOLE   15,447 0 325
WISDOMTREE TR COMMON STOCK 97717X701 4,934 91,697 SH   SOLE   90,362 0 1,335
ISHARES TR COMMON STOCK 46434V803 2,413 95,002 SH   SOLE   94,752 0 250
STARWOOD HOTELS&RESORTS WR COMMON STOCK 85590A401 896 12,939 SH   SOLE   12,739 0 200
HUMANA INC COMMON STOCK 444859102 2,292 12,840 SH   SOLE   12,540 0 300
ISHARES TR COMMON STOCK 464287440 887 8,402 SH   SOLE   8,002 0 400
ISHARES TR COMMON STOCK 464288661 345 2,811 SH   SOLE   2,661 0 150
ISHARES TR COMMON STOCK 464287374 601 21,365 SH   SOLE   21,365 0 0
INTEL CORP COMMON STOCK 458140100 863 25,065 SH   SOLE   25,065 0 0
ISHARES TR COMMON STOCK 464287663 1,025 8,045 SH   SOLE   8,045 0 0
INVESCO LTD COMMON STOCK G491BT108 642 19,165 SH   SOLE   18,940 0 225
ISHARES TR COMMON STOCK 464287473 1,299 18,915 SH   SOLE   18,915 0 0
JPMORGAN CHASE & CO COMMON STOCK 46625H100 2,630 39,830 SH   SOLE   39,115 0 715
COCA COLA CO COMMON STOCK 191216100 566 13,182 SH   SOLE   13,182 0 0
LAZARD LTD COMMON STOCK G54050102 1,058 23,510 SH   SOLE   23,135 0 375
LOCKHEED MARTIN CORP COMMON STOCK 539830109 1,016 4,677 SH   SOLE   4,677 0 0
LOWES COS INC COMMON STOCK 548661107 385 5,060 SH   SOLE   5,060 0 0
MASTERCARD INC COMMON STOCK 57636Q104 1,949 20,016 SH   SOLE   19,601 0 415
MCDONALDS CORP COMMON STOCK 580135101 1,497 12,669 SH   SOLE   12,444 0 225
MICROCHIP TECHNOLOGY INC COMMON STOCK 595017104 826 17,743 SH   SOLE   17,443 0 300
MEDTRONIC PLC COMMON STOCK G5960L103 663 8,625 SH   SOLE   8,416 0 209
3M CO COMMON STOCK 88579Y101 373 2,473 SH   SOLE   2,473 0 0
MALLINCKRODT PUB LTD CO COMMON STOCK G5785G107 219 2,938 SH   SOLE   2,891 0 47
ALTRIA GROUP INC COMMON STOCK 02209S103 1,377 23,655 SH   SOLE   23,655 0 0
MERCK & CO INC NEW COMMON STOCK 58933Y105 928 17,575 SH   SOLE   17,575 0 0
MICROSOFT CORP COMMON STOCK 594918104 2,916 52,553 SH   SOLE   51,803 0 750
ISHARES TR COMMON STOCK 464288414 518 4,675 SH   SOLE   4,325 0 350
NEXTERA ENERGY INC COMMON STOCK 65339F101 2,987 28,755 SH   SOLE   28,305 0 450
NEXTERA ENERGY PARTNERS LP COMMON STOCK 65341B106 480 16,070 SH   SOLE   15,810 0 260
NOVARTIS A G COMMON STOCK 66987V109 2,037 23,677 SH   SOLE   23,302 0 375
NEXPOINT RESIDENTIAL TR IN COMMON STOCK 65341D102 216 16,500 SH   SOLE   16,500 0 0
PEPSICO INC COMMON STOCK 713448108 1,492 14,927 SH   SOLE   14,552 0 375
PFIZER INC COMMON STOCK 717081103 1,371 42,483 SH   SOLE   41,908 0 575
PROCTER & GAMBLE CO COMMON STOCK 742718109 863 10,868 SH   SOLE   10,868 0 0
PHILLIPS 66 COMMON STOCK 718546104 868 10,609 SH   SOLE   10,609 0 0
PRAXAIR INC COMMON STOCK 74005P104 494 4,827 SH   SOLE   4,702 0 125
QUALCOMM INC COMMON STOCK 747525103 976 19,520 SH   SOLE   19,095 0 425
ROSS STORES INC COMMON STOCK 778296103 633 11,770 SH   SOLE   11,520 0 250
SPDR INDEX SHS FDS COMMON STOCK 78463X749 441 9,430 SH   SOLE   9,430 0 0
REDWOOD TR INC COMMON STOCK 758075402 722 54,663 SH   SOLE   53,788 0 875
RAYONIER INC COMMON STOCK 754907103 677 30,495 SH   SOLE   30,095 0 400
PROSHARES TR COMMON STOCK 74347R503 3,561 170,625 SH   SOLE   167,125 0 3,500
ISHARES TR COMMON STOCK 464287457 16,868 199,958 SH   SOLE   196,633 0 3,325
SCHLUMBERGER LTD COMMON STOCK 806857108 707 10,139 SH   SOLE   9,814 0 325
SPDR S&P 500 ETF TR COMMON STOCK 78462F103 15,711 77,066 SH   SOLE   75,916 0 1,150
AT&T INC COMMON STOCK 00206R102 277 8,054 SH   SOLE   8,054 0 0
PROSHARES TR COMMON STOCK 74347X849 4,005 161,960 SH   SOLE   157,660 0 4,300
ISHARES TR COMMON STOCK 464287176 2,617 23,856 SH   SOLE   23,806 0 50
TOWERS WATSON & CO COMMON STOCK 891894107 655 5,095 SH   SOLE   4,925 0 170
POWERSHS DB US DOLLAR INDE COMMON STOCK 73936D107 2,715 105,845 SH   SOLE   104,095 0 1,750
VODAFONE GROUP PLC NEW COMMON STOCK 92857W308 1,315 40,767 SH   SOLE   40,109 0 658
VANGUARD WHITEHALL FDS INC COMMON STOCK 921946406 3,045 45,617 SH   SOLE   45,617 0 0
VERIZON COMMUNICATIONS INC COMMON STOCK 92343V104 1,112 24,061 SH   SOLE   23,745 0 316
WESTERN GAS PARTNERS LP COMMON STOCK 958254104 794 16,713 SH   SOLE   16,498 0 215
WELLS FARGO & CO NEW COMMON STOCK 949746101 2,494 45,883 SH   SOLE   45,033 0 850
WAL-MART STORES INC COMMON STOCK 931142103 909 14,828 SH   SOLE   14,528 0 300
AQUA AMERICA INC COMMON STOCK 03836W103 201 6,750 SH   SOLE   6,750 0 0
CIMAREX ENERGY CO COMMON STOCK 171798101 1,340 14,991 SH   SOLE   14,691 0 300
EXXON MOBIL CORP COMMON STOCK 30231G102 2,479 31,806 SH   SOLE   31,171 0 635