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
UnitedHealth Group, Inc. COM 91324P102 28,920 56,305 SH   SOLE   37,921 0 18,384
Abbvie Inc COM 00287Y109 27,741 181,127 SH   SOLE   126,717 0 54,410
Ishares Short Treasury SHORT TREAS BD 464288679 27,472 249,515 SH   SOLE   0 0 0
iShares S&P Short Term Nat'l M SHRT NAT MUN ETF 464288158 24,875 237,655 SH   SOLE   0 0 0
Eli Lilly COM 532457108 23,755 73,267 SH   SOLE   51,716 0 21,551
Dollar General COM 256677105 23,685 96,498 SH   SOLE   66,393 0 30,105
Automatic Data Processing COM 053015103 23,163 110,278 SH   SOLE   76,733 0 33,545
Accenture PLC SHS CLASS A G1151C101 22,712 81,800 SH   SOLE   54,628 0 27,172
Zoetis Inc COM 98978V103 21,995 127,959 SH   SOLE   85,745 0 42,214
CDW Corp COM 12514G108 21,895 138,960 SH   SOLE   95,179 0 43,781
American Tower Corporation COM 03027X100 21,497 84,107 SH   SOLE   57,906 0 26,201
Canadian National Railway Co COM 136375102 21,245 188,891 SH   SOLE   128,164 0 60,727
Mastercard, Inc. CL A 57636Q104 20,360 64,536 SH   SOLE   42,832 0 21,704
Lowes Companies Inc COM 548661107 20,238 115,867 SH   SOLE   79,050 0 36,817
Texas Instruments Inc COM 882508104 19,788 128,789 SH   SOLE   88,132 0 40,657
Sherwin-Williams Co COM 824348106 19,748 88,196 SH   SOLE   57,812 0 30,384
S&P Global Inc COM 78409V104 19,346 57,397 SH   SOLE   39,582 0 17,815
Roper Industries Inc. COM 776696106 18,870 47,816 SH   SOLE   33,033 0 14,783
D R Horton Co COM 23331A109 17,100 258,342 SH   SOLE   178,997 0 79,345
Carrier Global Corporation Com COM 14448C104 17,086 479,137 SH   SOLE   335,924 0 143,213
Nike, Inc. Class B CL B 654106103 17,008 166,415 SH   SOLE   108,526 0 57,889
Starbucks Corp COM 855244109 16,792 219,821 SH   SOLE   149,735 0 70,086
iShares 1-3 Year Treasury ETF 1-3 YR TREAS BD 464287457 14,204 171,565 SH   SOLE   0 0 0
Vanguard Value VALUE ETF 922908744 8,997 68,219 SH   SOLE   0 0 0
Vanguard REIT ETF REIT ETF 922908553 8,634 94,760 SH   SOLE   0 0 0
Spdr Bloomberg Barclays 1-3 Mo SPDR BLOOMBERG 78468R663 1,215 13,279 SH   SOLE   0 0 0
Proshares S&P 500 Dividend Ari S&P 500 DV ARIST 74348A467 1,166 13,665 SH   SOLE   0 0 0
Ishares 0-5 Year Tips 0-5 YR TIPS ETF 46429B747 984 9,700 SH   SOLE   0 0 0
Exxon Mobil Corporation COM 30231G102 756 8,826 SH   SOLE   0 0 0
Apple Computer Inc COM 037833100 635 4,646 SH   SOLE   0 0 0
Willis Towers Watson SHS G96629103 632 3,200 SH   SOLE   0 0 0
Costco Whsl Corp New COM 22160K105 576 1,202 SH   SOLE   0 0 0
Sector SPDR Engy Select ENERGY 81369Y506 575 8,040 SH   SOLE   0 0 0
Novo-Nordisk A-S ADR ADR 670100205 507 4,550 SH   SOLE   0 0 0
Financial Select Sector SPDR SBI INT-FINL 81369Y605 503 16,000 SH   SOLE   0 0 0
Vanguard Dividend Appreciation DIV APP ETF 921908844 431 3,002 SH   SOLE   0 0 0
J P Morgan Chase & Co COM 46625H100 426 3,779 SH   SOLE   0 0 0
Alphabet Inc Class C CAP STK CL C 02079K107 424 194 SH   SOLE   0 0 0
Ishares US Oil Gas Exl US OIL GS EX ETF 464288851 389 5,000 SH   SOLE   0 0 0
Alphabet Inc Class A CAP STK CL A 02079K305 386 177 SH   SOLE   0 0 0
Nvidia Corp COM 67066G104 350 2,308 SH   SOLE   0 0 0
AMAZON.COM COM 023135106 343 3,228 SH   SOLE   0 0 0
John Hancock Multifactor Techn COM 47804J602 341 4,846 SH   SOLE   0 0 0
PROGRESSIVE CORPORATION COM 743315103 337 2,900 SH   SOLE   0 0 0
Pfizer Incorporated COM 717081103 333 6,351 SH   SOLE   0 0 0
Tesla Motors Inc COM 88160R101 330 490 SH   SOLE   0 0 0
THERMO FISHER SCIENTIFIC INC. COM 883556102 326 600 SH   SOLE   0 0 0
Home Depot Inc COM 437076102 325 1,183 SH   SOLE   0 0 0
Vanguard Short-Term TIPS ETF STRM INFPROIDX 922020805 318 6,341 SH   SOLE   0 0 0
Microsoft Corp SBI HEALTHCARE 594918104 308 1,200 SH   SOLE   0 0 0
Wp Carey Inc Com Usd0.001 COM 92936U109 302 3,640 SH   SOLE   0 0 0
PETROLEO BRASILEIRO SA ADR SPO SPONSORED ADR 71654V408 298 25,548 SH   SOLE   0 0 0
Target Corporation COM 87612E106 297 2,103 SH   SOLE   0 0 0
REALTY INCOME CORP COM 756109104 275 4,025 SH   SOLE   0 0 0
Invitation Homes Inc COM 46187W107 287 8,071 SH   SOLE   0 0 0
Equinor A S A SPONSORED ADR 29446M102 271 7,800 SH   SOLE   0 0 0
Medtronic PLC COM G5960L103 267 2,980 SH   SOLE   0 0 0
Freeport Mcmoran Copper CL B 35671D857 257 8,800 SH   SOLE   0 0 0
iShares Tr S&P 500 S&P 100 ETF 464287200 247 652 SH   SOLE   0 0 0
Ford Motor Company New COM 345370860 238 21,416 SH   SOLE   0 0 0
Schwab US Mid Cap ETF US MID-CAP ETF 808524508 234 3,728 SH   SOLE   0 0 0
Rio Tinto plc ADR SPONSORED ADR 767204100 232 3,800 SH   SOLE   0 0 0
Schwab US Dividend US DIVIDEND EQ 808524797 212 2,958 SH   SOLE   0 0 0
Bankamerica Corp New COM 060505104 209 6,700 SH   SOLE   0 0 0
Cerus Corp COM 157085101 156 29,399 SH   SOLE   0 0 0