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
AON Corp COM G0408V102 335 2,517 SH   SOLE   0 0 2,517
AT&T Corp COM 00206r102 1,308 34,672 SH   SOLE   0 0 34,672
Abbott Labs COM 002824100 349 7,170 SH   SOLE   0 0 7,170
AbbVie Inc COM 00287Y109 305 4,205 SH   SOLE   0 0 4,205
Air Prods & Chems ADR 009158106 283 1,978 SH   SOLE   0 0 1,978
Alibaba Group Hldg Adr COM 01609W102 466 3,305 SH   SOLE   0 0 3,305
Alphabet, Inc. Cl C ADR 02079K107 1,312 1,444 SH   SOLE   0 0 1,444
Alphabet, Inc. Cl A COM 02079K305 3,067 3,299 SH   SOLE   0 0 3,299
Altaba Incorporated COM 021346101 208 3,814 SH   SOLE   0 0 3,814
Amazon.com COM 023135106 338 349 SH   SOLE   0 0 349
American Tower Corp COM 03027x100 217 1,639 SH   SOLE   0 0 1,639
Amgen Inc COM 031162100 1,935 11,235 SH   SOLE   0 0 11,235
Apple Computer Inc COM 037833100 3,383 23,489 SH   SOLE   0 0 23,489
Applied Materials COM 038222105 298 7,210 SH   SOLE   0 0 7,210
Automatic Data Processing COM 053015103 568 5,539 SH   SOLE   0 0 5,539
BB&T Corporation COM 054937107 1,006 22,146 SH   SOLE   0 0 22,146
Baidu Com ADR COM 056752108 130 725 SH   SOLE   0 0 725
Bank Of America ADR 060505104 1,534 63,220 SH   SOLE   0 0 63,220
Becton Dickinson COM 075887109 249 1,275 SH   SOLE   0 0 1,275
Berkshire Hathaway B COM 084670702 1,443 8,517 SH   SOLE   0 0 8,517
Bristol Myers Squibb COM 110122108 1,798 32,274 SH   SOLE   0 0 32,274
CVS Health Corporation COM 126650100 2,459 30,560 SH   SOLE   0 0 30,560
Capital One Financial COM 14040H105 1,048 12,686 SH   SOLE   0 0 12,686
Celgene Corp COM 151020104 1,009 7,771 SH   SOLE   0 0 7,771
Chase Corp COM 16150r104 691 6,475 SH   SOLE   0 0 6,475
ChevronTexaco Corp COM 166764100 1,358 13,017 SH   SOLE   0 0 13,017
Cisco Systems COM 17275R102 1,675 53,507 SH   SOLE   0 0 53,507
Citigroup Inc COM 172967424 520 7,774 SH   SOLE   0 0 7,774
Coca Cola COM 191216100 647 14,425 SH   SOLE   0 0 14,425
Cognizant Tech. Solutions COM 192446102 330 4,975 SH   SOLE   0 0 4,975
Colgate Palmolive Co COM 194162103 367 4,954 SH   SOLE   0 0 4,954
Conoco Phillips COM 20825c104 291 6,624 SH   SOLE   0 0 6,624
Danaher Corp COM 235851102 630 7,469 SH   SOLE   0 0 7,469
Diageo Plc COM 25243q205 215 1,794 SH   SOLE   0 0 1,794
Disney Walt Co COM 254687106 1,834 17,259 SH   SOLE   0 0 17,259
Dominion Res Inc Va COM 25746u109 534 6,965 SH   SOLE   0 0 6,965
Dow Chemical COM 260543103 537 8,522 SH   SOLE   0 0 8,522
Du Pont E I De Nemours COM 263534109 747 9,253 SH   SOLE   0 0 9,253
ETFS Physical Swiss Gold Share COM 26922Y105 304 2,522 SH   SOLE   0 0 2,522
Emerson Electric ETF 291011104 801 13,434 SH   SOLE   0 0 13,434
Express Scripts Inc COM 30219G108 218 3,409 SH   SOLE   0 0 3,409
Exxon-Mobil COM 30231G102 2,651 32,842 SH   SOLE   0 0 32,842
Facebook Inc Class A COM 30303M102 1,298 8,597 SH   SOLE   0 0 8,597
Fiserv Inc. COM 337738108 584 4,770 SH   SOLE   0 0 4,770
General Electric COM 369604103 3,727 137,988 SH   SOLE   0 0 137,988
Government Property Income Tru COM 38376A103 694 37,925 SH   SOLE   0 0 37,925
H S B C Hldgs 6.2 Pfd COM 404280604 515 19,500 SH   SOLE   0 0 19,500
Harris Corp PFD 413875105 1,062 9,733 SH   SOLE   0 0 9,733
Hasbro Inc COM 418056107 255 2,290 SH   SOLE   0 0 2,290
Home Depot COM 437076102 571 3,724 SH   SOLE   0 0 3,724
Illinois Tool Works COM 452308109 366 2,555 SH   SOLE   0 0 2,555
Intel Corp COM 458140100 3,064 90,803 SH   SOLE   0 0 90,803
International Business Machine COM 459200101 295 1,915 SH   SOLE   0 0 1,915
iShares Core Total U S COM 464287226 488 4,452 SH   SOLE   0 0 4,452
iShares Inv. Grade Corp. Bd. ETF 464287242 319 2,648 SH   SOLE   0 0 2,648
iShares S&P 500 Barra Gr. Fd. ETF 464287309 551 4,030 SH   SOLE   0 0 4,030
iShares S&P 500 Barra Value Fd ETF 464287408 510 4,855 SH   SOLE   0 0 4,855
iShares S&P Midcap 400 Index ETF 464287507 2,858 16,430 SH   SOLE   0 0 16,430
iShares S&P Smallcap 600 Index ETF 464287804 2,661 37,959 SH   SOLE   0 0 37,959
iShares Sht-Term National Muni ETF 464288158 959 9,070 SH   SOLE   0 0 9,070
iShares MBS ETF ETF 464288588 686 6,422 SH   SOLE   0 0 6,422
iShares Floating Rate Bond ETF ETF 46429B655 490 9,629 SH   SOLE   0 0 9,629
J P Morgan Chase & Co ETF 46625h100 1,979 21,650 SH   SOLE   0 0 21,650
Johnson & Johnson COM 478160104 4,827 36,485 SH   SOLE   0 0 36,485
Lockheed Martin Corp COM 539830109 335 1,208 SH   SOLE   0 0 1,208
Lowes Companies COM 548661107 1,343 17,328 SH   SOLE   0 0 17,328
Mastercard Inc COM 57636Q104 327 2,689 SH   SOLE   0 0 2,689
McDonalds Corp COM 580135101 1,024 6,688 SH   SOLE   0 0 6,688
Merck & Co Inc COM 58933y105 4,083 63,701 SH   SOLE   0 0 63,701
Metlife Inc COM 59156R108 669 12,183 SH   SOLE   0 0 12,183
Microsoft Corp COM 594918104 3,705 53,756 SH   SOLE   0 0 53,756
Molson Coors Brewing COM 60871R100 676 7,835 SH   SOLE   0 0 7,835
Mondelez Intl Inc Cl A COM 609207105 271 6,278 SH   SOLE   0 0 6,278
Nike Inc Class B COM 654106103 396 6,720 SH   SOLE   0 0 6,720
Novartis A G COM 66987V109 336 4,027 SH   SOLE   0 0 4,027
Nvidia Corp COM 67066G104 564 3,900 SH   SOLE   0 0 3,900
Nuveen Inter Dur Qlty Muni COM 670677103 267 20,623 SH   SOLE   0 0 20,623
Oracle Systems ETF 68389x105 638 12,727 SH   SOLE   0 0 12,727
PPG Inds Inc COM 693506107 294 2,676 SH   SOLE   0 0 2,676
PPL Corp COM 69351T106 678 17,544 SH   SOLE   0 0 17,544
Paypal Holdings, Inc. COM 70450Y103 461 8,583 SH   SOLE   0 0 8,583
Pepsico COM 713448108 2,448 21,193 SH   SOLE   0 0 21,193
Pfizer Inc COM 717081103 1,514 45,063 SH   SOLE   0 0 45,063
Philip Morris Intl Inc COM 718172109 6,984 5,943 SH   SOLE   0 0 5,943
Pimco Intermediate Muni ETF COM 72201R866 1,022 19,110 SH   SOLE   0 0 19,110
PwrShs Financial Pfd ETF 73935X229 546 28,582 SH   SOLE   0 0 28,582
Biotech/Genome Powershares Ind ETF 73935X856 664 14,537 SH   SOLE   0 0 14,537
PowerShares Preferred ETF 73936T565 4,499 297,753 SH   SOLE   0 0 297,753
Procter & Gamble Inc ETF 742718109 2,810 32,244 SH   SOLE   0 0 32,244
Prudential Financial Inc COM 744320102 703 6,503 SH   SOLE   0 0 6,503
Putnam Managed Municipal COM 746823103 269 35,872 SH   SOLE   0 0 35,872
Raytheon Corp Cl B ETF 755111507 504 3,121 SH   SOLE   0 0 3,121
Roper Technologies, Inc COM 776696106 567 2,450 SH   SOLE   0 0 2,450
Guggenheim S&P 500 Eq. Wgt. COM 78355W106 850 9,176 SH   SOLE   0 0 9,176
S&P 500 Spdr ETF 78462F103 983 4,064 SH   SOLE   0 0 4,064
SPDR Gold Shares ETF 78463V107 1,202 10,182 SH   SOLE   0 0 10,182
SPDR MSCI Acwi Ex-US ETF 78463X848 1,106 31,021 SH   SOLE   0 0 31,021
SPDR S&P Dividend ETF ETF 78464A763 3,445 38,757 SH   SOLE   0 0 38,757
SPDR S&P Biotech ETF ETF 78464A870 638 8,260 SH   SOLE   0 0 8,260
S&P 400 Mid-Cap SPDR ETF 78467Y107 487 1,533 SH   SOLE   0 0 1,533
SPDR Blmbrg Brcly 1-10 Yr TIP ETF 78468R861 788 40,565 SH   SOLE   0 0 40,565
Schlumberger Ltd ETF 806857108 880 13,370 SH   SOLE   0 0 13,370
Schwab Dow Jones US Broad Mkt COM 808524102 393 6,718 SH   SOLE   0 0 6,718
Schwab Dow Jones US Large Cap ETF 808524201 3,798 65,745 SH   SOLE   0 0 65,745
Schwab Dow Jones US Large Grow ETF 808524300 668 105,733 SH   SOLE   0 0 105,733
Schwab Dow Jones US Large Valu ETF 808524409 7,352 146,452 SH   SOLE   0 0 146,452
Schwab Dow Jones US Mid-Cap ETF 808524508 4,423 91,833 SH   SOLE   0 0 91,833
Schwab Dow Jones US Sm-Cap ETF ETF 808524607 5,164 80,799 SH   SOLE   0 0 80,799
Schwab FTSE Emerging Mkt ETF ETF 808524706 281 11,301 SH   SOLE   0 0 11,301
Sch Fundamental Intl Lg Co ETF ETF 808524755 427 15,230 SH   SOLE   0 0 15,230
Sch Fundamental US Large Co ET ETF 808524771 1,271 37,584 SH   SOLE   0 0 37,584
Schwab Dow Jones US Div Eq ETF ETF 808524797 7,106 157,566 SH   SOLE   0 0 157,566
Schwab FTSE Developed ex-US ET ETF 808524805 4,931 155,158 SH   SOLE   0 0 155,158
Schwab US AGG Bnd ETF ETF 808524839 233 4,468 SH   SOLE   0 0 4,468
Schwab US TIPS ETF ETF 808524870 226 4,096 SH   SOLE   0 0 4,096
Schwab FTSE Intl Small-Cap Equ ETF 808524888 233 6,921 SH   SOLE   0 0 6,921
Technology Sector iShare ETF 81369Y803 230 4,211 SH   SOLE   0 0 4,211
State Street Boston Corp ETF 857477103 686 7,650 SH   SOLE   0 0 7,650
Thermo Fisher Scientific COM 883556102 591 3,388 SH   SOLE   0 0 3,388
3M Company COM 88579Y101 483 2,318 SH   SOLE   0 0 2,318
Toronto Dominion Bank COM 891160509 485 9,625 SH   SOLE   0 0 9,625
U S Bancorp COM 902973304 987 19,017 SH   SOLE   0 0 19,017
Unilever Nv Adr- Netherlands COM 904767704 278 5,035 SH   SOLE   0 0 5,035
Union Pacific Corp ADR 907818108 1,065 9,783 SH   SOLE   0 0 9,783
United Technologies CP COM 913017109 1,003 8,211 SH   SOLE   0 0 8,211
Unum Corp COM 91529Y106 744 15,954 SH   SOLE   0 0 15,954
Vanguard Div Appreciation COM 921908844 394 4,252 SH   SOLE   0 0 4,252
Vanguard Total International S ETF 921909768 214 4,120 SH   SOLE   0 0 4,120
Vanguard Short-Term Bond ETF ETF 921937827 914 11,441 SH   SOLE   0 0 11,441
Vanguard Sht-Term Infl Prot. S ETF 922020805 620 12,596 SH   SOLE   0 0 12,596
Vanguard Int'l REIT ETF 922042676 286 5,082 SH   SOLE   0 0 5,082
Vanguard FTSE All-World ex-USA ETF 922042775 1,793 35,832 SH   SOLE   0 0 35,832
Vanguard Emerging Mkt Fd ETF 922042858 1,060 25,968 SH   SOLE   0 0 25,968
Vanguard Consumer Staples ETF ETF 92204A207 1,058 7,506 SH   SOLE   0 0 7,506
Vanguard Short-Term Corp Bond ETF 92206C409 782 9,769 SH   SOLE   0 0 9,769
Ventas Inc ETF 92276F100 809 11,641 SH   SOLE   0 0 11,641
Vanguard REIT COM 922908553 1,135 13,642 SH   SOLE   0 0 13,642
Vanguard Small-Cap Value ETF ETF 922908611 1,292 10,515 SH   SOLE   0 0 10,515
Vanguard Growth ETF ETF 922908736 1,379 10,853 SH   SOLE   0 0 10,853
Vanguard Value ETF ETF 922908744 1,876 19,429 SH   SOLE   0 0 19,429
Vanguard Small Cap ETF 922908751 287 2,119 SH   SOLE   0 0 2,119
Verizon Communications ETF 92343V104 1,743 39,019 SH   SOLE   0 0 39,019
Visa, Inc. COM 92826C839 750 7,993 SH   SOLE   0 0 7,993
Wal-Mart Stores COM 931142103 266 3,521 SH   SOLE   0 0 3,521
Walgreens Boots Allianc COM 931427108 523 6,680 SH   SOLE   0 0 6,680
Wells Fargo & Company COM 949746101 1,389 25,075 SH   SOLE   0 0 25,075
Wells Fargo & Co 7.50 Pfd COM 949746804 238 182 SH   SOLE   0 0 182
Welltower, Inc PFD 95040Q104 247 3,300 SH   SOLE   0 0 3,300
Western Asset Muni Hi Income COM 95766N103 287 38,917 SH   SOLE   0 0 38,917
Weyerhaeuser Co ETF 962166104 412 12,311 SH   SOLE   0 0 12,311
Wynn Resorts COM 983134107 246 1,834 SH   SOLE   0 0 1,834