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
A T & T COM 00206R102 1,826 63,965 SH   SOLE   63,965 0 0
Abbott Laboratories COM 002824100 1,345 18,590 SH   SOLE   18,590 0 0
Alphabet Inc. Class A Shares COM 02079K305 2,334 2,234 SH   SOLE   2,234 0 0
Apple Inc. COM 037833100 1,964 12,452 SH   SOLE   12,452 0 0
BP p.l.c COM 055622104 1,793 47,275 SH   SOLE   47,275 0 0
Bank of America Corporation COM 060505104 1,271 51,570 SH   SOLE   51,570 0 0
CVS Health Corporation COM 126650100 1,868 28,515 SH   SOLE   28,515 0 0
Chevron Corp. COM 166764100 2,225 20,450 SH   SOLE   20,450 0 0
Cisco Systems, Inc. COM 17275R102 2,243 51,775 SH   SOLE   51,775 0 0
Emerson Electric Co. COM 291011104 1,357 22,710 SH   SOLE   22,710 0 0
Exxon Mobil Corp. COM 30231G102 2,088 30,625 SH   SOLE   30,625 0 0
Financial Select Sector SPDR F COM 81369Y605 4,983 209,200 SH   SOLE   209,200 0 0
Intel Corp. COM 458140100 1,571 33,480 SH   SOLE   33,480 0 0
International Business Machine COM 459200101 1,815 15,967 SH   SOLE   15,967 0 0
Key Corp. COM 493267108 1,016 68,720 SH   SOLE   68,720 0 0
Merck & Co. Inc. COM 58933y105 1,981 25,930 SH   SOLE   25,930 0 0
Microsoft Corp. COM 594918104 1,937 19,075 SH   SOLE   19,075 0 0
Procter & Gamble Co. COM 742718109 2,625 28,557 SH   SOLE   28,557 0 0
Schlumberger Limited COM 806857108 1,774 49,155 SH   SOLE   49,155 0 0
Standard & Poors Depository Re COM 78462F103 15,940 63,780 SH   SOLE   63,780 0 0
United States Steel Corp. COM 912909108 1,501 82,295 SH   SOLE   82,295 0 0
iShares Dow Jones Select Divid COM 464287168 6,157 68,945 SH   SOLE   68,945 0 0
Walmart Stores COM 931142103 328 3,521 SH   SOLE   3,521 0 0
BlackRock Build America Bond T COM 09248X100 4,465 212,430 SH   SOLE   212,430 0 0
Invesco Zacks Multi-Asset Inco COM 46137Y500 7,331 381,425 SH   SOLE   381,425 0 0
iShares U.S. Preferred Stock I COM 464288687 3,568 104,230 SH   SOLE   104,230 0 0
Vanguard Total Bond Market ETF ETF 921937835 2,491 31,445 SH   SOLE   31,445 0 0
iShares iBoxx Investment Grade ETF 464287242 6,102 54,090 SH   SOLE   54,090 0 0