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
Pfizer COM 717081103 11,134 307,411 SH   SOLE   307,411 0 0
Schwab International ETF COM 808524805 6,898 202,477 SH   SOLE   202,477 0 0
Chevron Corp. COM 166764100 5,027 40,160 SH   SOLE   40,160 0 0
Vanguard FTSE All-World EX-Us COM 922042775 4,531 82,814 SH   SOLE   82,814 0 0
Apple Inc. COM 037833100 4,178 24,694 SH   SOLE   24,694 0 0
iShares S&P Small-Cap COM 464287804 4,144 53,952 SH   SOLE   53,952 0 0
iShares S&P Mid-Cap COM 464287507 4,093 21,569 SH   SOLE   21,569 0 0
Wells Fargo & Co. COM 949746101 4,083 67,307 SH   SOLE   67,307 0 0
Exxon Mobil COM 30231g102 3,803 45,470 SH   SOLE   45,470 0 0
Lowe's Cos. COM 548661107 2,971 31,970 SH   SOLE   31,970 0 0
Schwab US Broad Market ETF COM 808524102 2,886 44,732 SH   SOLE   44,732 0 0
Microsoft COM 594918104 2,840 33,202 SH   SOLE   33,202 0 0
Procter & Gamble COM 742718109 2,759 30,039 SH   SOLE   30,039 0 0
Walt Disney COM 254687106 2,703 25,142 SH   SOLE   25,142 0 0
J.P. Morgan Chase COM 46625h100 2,676 25,030 SH   SOLE   25,030 0 0
Allstate Corp. COM 020002101 2,353 22,473 SH   SOLE   22,473 0 0
American Express COM 025816109 2,343 23,596 SH   SOLE   23,596 0 0
Technology Sector SPDR COM 81369Y803 2,276 35,600 SH   SOLE   35,600 0 0
Microchip Tech. COM 595017104 2,221 25,275 SH   SOLE   25,275 0 0
Vanguard Interm Corp. COM 92206c870 2,196 25,140 SH   SOLE   25,140 0 0
iShares S&P CA AMT-Free Muni COM 464288356 2,134 36,085 SH   SOLE   36,085 0 0
DowDuPont, Inc. COM 26078J100 2,033 28,546 SH   SOLE   28,546 0 0
Industrial Sector SPDR COM 81369Y704 1,974 26,090 SH   SOLE   26,090 0 0
Cons. Disc. Sector SPDR COM 81369Y407 1,952 19,785 SH   SOLE   19,785 0 0
Coca Cola COM 191216100 1,915 41,748 SH   SOLE   41,748 0 0
Schwab US Aggregate Bond COM 808524839 1,911 36,728 SH   SOLE   36,728 0 0
United Technologies COM 913017109 1,896 14,867 SH   SOLE   14,867 0 0
Wal-Mart Stores COM 931142103 1,846 18,697 SH   SOLE   18,697 0 0
Johnson & Johnson COM 478160104 1,805 12,925 SH   SOLE   12,925 0 0
U.S. Bancorp COM 902973304 1,794 33,495 SH   SOLE   33,495 0 0
Intercontinental Exchange COM 45866F104 1,719 24,375 SH   SOLE   24,375 0 0
Verizon Comm. COM 92343v104 1,676 31,672 SH   SOLE   31,672 0 0
Schwab Emerging Markets ETF COM 808524706 1,619 57,974 SH   SOLE   57,974 0 0
Dominion Resources COM 25746u109 1,581 19,508 SH   SOLE   19,508 0 0
Pepsico COM 713448108 1,543 12,872 SH   SOLE   12,872 0 0
Abbott Labs. COM 002824100 1,503 26,350 SH   SOLE   26,350 0 0
Oracle COM 68389x105 1,501 31,756 SH   SOLE   31,756 0 0
Caterpillar COM 149123101 1,473 9,349 SH   SOLE   9,349 0 0
Salesforce.com COM 79466L302 1,397 13,675 SH   SOLE   13,675 0 0
United Parcel Service COM 911312106 1,343 11,275 SH   SOLE   11,275 0 0
V.F. Corp. COM 918204108 1,234 16,685 SH   SOLE   16,685 0 0
Health Care Sector SPDR COM 81369Y209 1,234 14,927 SH   SOLE   14,927 0 0
Intel COM 458140100 1,216 26,350 SH   SOLE   26,350 0 0
Red Hat Inc COM 756577102 1,202 10,015 SH   SOLE   10,015 0 0
Materials Sector SPDR COM 81369Y100 1,193 19,725 SH   SOLE   19,725 0 0
Affiliated Managers Group COM 008252108 1,185 5,775 SH   SOLE   5,775 0 0
Cognizant Tech Solutions COM 192446102 1,152 16,225 SH   SOLE   16,225 0 0
Bristol-Myers Squibb COM 110122108 1,150 18,780 SH   SOLE   18,780 0 0
Consumer Staples SPDR COM 81369Y308 1,144 20,120 SH   SOLE   20,120 0 0
General Electric COM 369604103 1,129 64,735 SH   SOLE   64,735 0 0
Vanguard Total Stock Market COM 922908769 1,104 8,045 SH   SOLE   8,045 0 0
General Mills Inc. COM 370334104 1,072 18,084 SH   SOLE   18,084 0 0
Abbvie COM 00287y109 1,054 10,902 SH   SOLE   10,902 0 0
Starbucks Corp. COM 855244109 1,053 18,340 SH   SOLE   18,340 0 0
Fortive Corporation COM 34959J108 1,040 14,380 SH   SOLE   14,380 0 0
Berkshire Hathaway - B COM 084670702 1,030 5,197 SH   SOLE   5,197 0 0
L Brands, Inc. COM 501797104 989 16,425 SH   SOLE   16,425 0 0
CME Group, Inc. COM 12572Q105 949 6,500 SH   SOLE   6,500 0 0
Halliburton COM 406216101 913 18,700 SH   SOLE   18,700 0 0
W.W. Grainger, Inc. COM 384802104 890 3,770 SH   SOLE   3,770 0 0
Zimmer Biomet Holdings COM 98956p102 861 7,138 SH   SOLE   7,138 0 0
iShares Barclays Inter Cr Bd Fd COM 464288638 772 7,070 SH   SOLE   7,070 0 0
Real Estate Select Sector SPDR COM 81369Y860 768 23,330 SH   SOLE   23,330 0 0
iShares IBOXX High Yield Corp. COM 464288513 761 8,725 SH   SOLE   8,725 0 0
AmerisourceBergen COM 03073E105 760 8,285 SH   SOLE   8,285 0 0
Financial Sector SPDR COM 81369Y605 750 26,895 SH   SOLE   26,895 0 0
Shire PLC COM 82481R106 749 4,830 SH   SOLE   4,830 0 0
Allergan, Inc. COM G0177J108 741 4,535 SH   SOLE   4,535 0 0
Automatic Data Proc. COM 053015103 738 6,300 SH   SOLE   6,300 0 0
Energy Sector SPDR COM 81369Y506 726 10,060 SH   SOLE   10,060 0 0
Danaher Corp. COM 235851102 716 7,722 SH   SOLE   7,722 0 0
AT&T Inc. COM 00206r102 712 18,317 SH   SOLE   18,317 0 0
iShares Barclays 1-3Yr Credit COM 464288646 710 6,800 SH   SOLE   6,800 0 0
Home Depot COM 437076102 704 3,718 SH   SOLE   3,718 0 0
Utilities Sector SPDR COM 81369Y886 696 13,225 SH   SOLE   13,225 0 0
iShares MSCI EAFE COM 464287465 670 9,542 SH   SOLE   9,542 0 0
3M Corp COM 88579y101 667 2,837 SH   SOLE   2,837 0 0
Duke Energy COM 26441C204 634 7,545 SH   SOLE   7,545 0 0
Biogen Inc COM 09062X103 632 1,985 SH   SOLE   1,985 0 0
Cisco Systems COM 17275r102 622 16,250 SH   SOLE   16,250 0 0
Costco Wholesale COM 22160K105 620 3,335 SH   SOLE   3,335 0 0
Vanguard Info Tech COM 92204a702 597 3,625 SH   SOLE   3,625 0 0
Schwab US Small Cap ETF COM 808524607 593 8,505 SH   SOLE   8,505 0 0
PureFunds ISE Cyber Security ETF COM 26924G201 571 18,075 SH   SOLE   18,075 0 0
Merck & Co. COM 58933y105 562 10,000 SH   SOLE   10,000 0 0
EOG Resources, Inc. COM 26875P101 539 5,000 SH   SOLE   5,000 0 0
iShares S&P GSCI Commodity COM 46428R107 534 32,808 SH   SOLE   32,808 0 0
IBM COM 459200101 531 3,464 SH   SOLE   3,464 0 0
Union Pacific COM 907818108 529 3,950 SH   SOLE   3,950 0 0
Vanguard REIT COM 922908553 528 6,366 SH   SOLE   6,366 0 0
Celgene Corp. COM 151020104 520 4,985 SH   SOLE   4,985 0 0
Alphabet - Cl A COM 02079K305 506 481 SH   SOLE   481 0 0
Alphabet - Cl C COM 02079K107 502 480 SH   SOLE   480 0 0
iShares St Nat. AMT-Free Muni COM 464288158 490 4,673 SH   SOLE   4,673 0 0
PG&E Corp. COM 69331c108 483 10,788 SH   SOLE   10,788 0 0
SPDR Dow Jones Global Real Estate ETF COM 78463X749 450 9,210 SH   SOLE   9,210 0 0
American Tower Corp COM 03027X100 443 3,110 SH   SOLE   3,110 0 0
McDonald's COM 580135101 442 2,572 SH   SOLE   2,572 0 0
Amazon COM 023135106 438 375 SH   SOLE   375 0 0
iShares Barclays TIPS COM 464287176 436 3,823 SH   SOLE   3,823 0 0
iShares Nat. AMT-Free Muni COM 464288414 410 3,710 SH   SOLE   3,710 0 0
iShares IBOXX Inv. Grade Corp. COM 464287242 408 3,360 SH   SOLE   3,360 0 0
Vanguard Dividend Appreciation COM 921908844 399 3,917 SH   SOLE   3,917 0 0
T. Rowe Price COM 74144t108 377 3,600 SH   SOLE   3,600 0 0
Xerox COM 984121103 349 11,983 SH   SOLE   11,983 0 0
Prologis Inc. COM 74340w103 335 5,200 SH   SOLE   5,200 0 0
Bank of America COM 060505104 329 11,152 SH   SOLE   11,152 0 0
Schlumberger Ltd. COM 806857108 326 4,852 SH   SOLE   4,852 0 0
Bank Of Montreal COM 063671101 320 4,000 SH   SOLE   4,000 0 0
Vanguard Telecomm COM 92204A884 283 3,115 SH   SOLE   3,115 0 0
Moody's Corp. COM 615369105 272 1,848 SH   SOLE   1,848 0 0
Boston Properties COM 101121101 260 2,000 SH   SOLE   2,000 0 0
Boeing Co. COM 097023105 257 874 SH   SOLE   874 0 0
Marriott Int. COM 571903202 230 1,700 SH   SOLE   1,700 0 0
Fortune Brands H&S COM 34964c106 228 3,342 SH   SOLE   3,342 0 0
Schwab US Mid Cap ETF COM 808524508 226 4,250 SH   SOLE   4,250 0 0
iShares FTSE NAREIT Residential COM 464288562 224 3,600 SH   SOLE   3,600 0 0
Philip Morris Int. COM 718172109 223 2,111 SH   SOLE   2,111 0 0
iShares MSCI Emerging Markets COM 464287234 216 4,591 SH   SOLE   4,591 0 0
Paccar, Inc. COM 693718108 213 3,000 SH   SOLE   3,000 0 0
Chubb Limited COM H1467J104 201 1,381 SH   SOLE   1,381 0 0