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
TJX Companies, Inc. COM 872540109 22,822 203,735 SH   SOLE   136,997 0 66,738
Mastercard, Inc. CL A 57636Q104 22,259 99,993 SH   SOLE   66,750 0 33,243
Nike, Inc. Class B CL B 654106103 21,614 255,127 SH   SOLE   170,861 0 84,266
Sherwin-Williams Co COM 824348106 21,211 46,596 SH   SOLE   31,715 0 14,881
UnitedHealth Group, Inc. COM 91324P102 20,875 78,466 SH   SOLE   53,442 0 25,024
Accenture PLC SHS CLASS A G1151C101 20,783 122,110 SH   SOLE   82,510 0 39,600
Lowes Companies Inc COM 548661107 20,576 179,204 SH   SOLE   122,962 0 56,242
Factset Research Systems COM 303075105 20,319 90,827 SH   SOLE   61,389 0 29,438
Medtronic PLC COM 585055106 20,042 203,745 SH   SOLE   138,477 0 65,268
Canadian National Railway Co COM 136375102 19,769 220,141 SH   SOLE   148,805 0 71,336
Amgen, Inc. COM 031162100 19,581 94,460 SH   SOLE   65,287 0 29,173
Automatic Data Processing COM 053015103 19,556 129,805 SH   SOLE   90,448 0 39,357
Estee Lauder Company CL A 518439104 19,035 130,985 SH   SOLE   87,803 0 43,182
Zoetis Inc COM 98978V103 18,871 206,103 SH   SOLE   143,113 0 62,990
Hormel Food Corp COM 440452100 18,496 469,434 SH   SOLE   317,439 0 151,995
FedEx Corp COM 31428X106 18,078 75,077 SH   SOLE   51,705 0 23,372
Texas Instruments Inc COM 882508104 17,999 167,758 SH   SOLE   116,913 0 50,845
Keycorp Inc COM 493267108 16,888 849,064 SH   SOLE   589,539 0 259,525
Starbucks Corp COM 855244109 16,789 295,366 SH   SOLE   201,831 0 93,535
Toro Co COM 891092108 15,806 263,567 SH   SOLE   183,237 0 80,330
iShares Core S&P Midcap CORE S&P MCP ETF 464287507 8,303 41,251 SH   SOLE   0 0 41,251
Vanguard Intl Equity Index ALLWRLD EX US 922042775 8,125 156,096 SH   SOLE   0 0 156,096
Vanguard REIT ETF REIT ETF 922908553 7,801 96,686 SH   SOLE   0 0 96,686
Vanguard Total Bond Market ETF TOTAL BND MRKT 921937835 6,259 79,532 SH   SOLE   0 0 79,532
iShares 3-7 Year Treasury Bond 3-7 YR TR BD ETF 464288661 6,198 52,055 SH   SOLE   0 0 52,055
Invesco Bulletshares Corporate BULSHS 2020 CB 46138J502 3,271 155,150 SH   SOLE   0 0 155,150
Invesco Bulletshares Corporate BULSHS 2023 CB 46138J866 3,188 157,690 SH   SOLE   0 0 157,690
Invesco Bulletshares Corporate BULSHS 2024 CB 46138J841 3,152 156,805 SH   SOLE   0 0 156,805
Invesco Bulletshares Corporate BULSHS 2021 CB 46138J700 3,127 150,760 SH   SOLE   0 0 150,760
Invesco Bulletshares Corporate BULSHS 2019 CB 46138J304 3,121 148,075 SH   SOLE   0 0 148,075
Invesco Bulletshares Corporate BULSHS 2022 CB 46138J882 2,998 145,130 SH   SOLE   0 0 145,130
Willis Towers Watson SHS G96629103 1,237 8,780 SH   SOLE   0 0 8,780
Exxon Mobil Corporation COM 30231G102 769 9,043 SH   SOLE   0 0 9,043
iShares S&P Short Term Nat'l M SHRT NAT MUN ETF 464288158 602 5,750 SH   SOLE   0 0 5,750
Vanguard Dividend Appreciation DIV APP ETF 921908844 584 5,278 SH   SOLE   0 0 5,278
Schwab US Dividend US DIVIDEND EQ 808524797 327 6,174 SH   SOLE   0 0 6,174
Schwab US Mid Cap ETF US MID-CAP ETF 808524508 318 5,490 SH   SOLE   0 0 5,490
Ishares Edge MSCI USA Quality USA QUALITY FCTR 46432F339 291 3,219 SH   SOLE   0 0 3,219
Novo-Nordisk A-S ADR ADR 670100205 256 5,427 SH   SOLE   0 0 5,427
Apple Computer Inc COM 037833100 231 1,022 SH   SOLE   0 0 1,022
John Hancock Multifactor Techn COM 47804J602 226 4,734 SH   SOLE   0 0 4,734
Cerus Corp COM 157085101 212 29,399 SH   SOLE   0 0 29,399
Schwab International INTL EQTY ETF 808524805 212 6,314 SH   SOLE   0 0 6,314
Alphabet Inc Class A CAP STK CL A 02079K305 210 174 SH   SOLE   0 0 174
J P Morgan Chase & Co COM 46625H100 209 1,856 SH   SOLE   0 0 1,856