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
Vanguard SML.Cap ETF COM 922908751 203 1,866 SH   SOLE   1,866 0 0
SPDR Series Trust ETF COM 78464A490 208 3,995 SH   SOLE   3,900 0 95
Gartner 'a' COM 366651107 210 2,500 SH   SOLE   2,500 0 0
Avalonbay Commns. COM 053484101 210 1,194 SH   SOLE   1,194 0 0
iShares TR Barclays Bond COM 464287457 211 2,481 SH   SOLE   2,242 0 239
CDK Global Inc COM 12508E101 214 4,481 SH   SOLE   0 0 4,481
Toro Company COM 891092108 219 3,097 SH   SOLE   3,097 0 0
Genuine Parts COM 372460105 219 2,620 SH   SOLE   2,620 0 0
iShares Core S&P Mid-Cap ETF COM 464287507 220 1,612 SH   SOLE   1,612 0 0
iShares Short Term National AMT Free Municipal Bond ETF COM 464288158 223 2,102 SH   SOLE   1,284 0 818
Gamco Global Gold COM 36465A109 226 45,205 SH   SOLE   0 0 45,205
J M Smucker Co New COM 832696405 228 2,001 SH   SOLE   2,001 0 0
T C Pipelines LP COM 87233Q108 229 4,809 SH   SOLE   1,000 0 3,809
Qualcomm Inc COM 747525103 232 4,318 SH   SOLE   3,393 0 925
Sprott Physical Gold Trust COM 85207H104 234 25,505 SH   SOLE   0 0 25,505
Schwab US Small-Cap Equity ETF COM 808524607 237 4,664 SH   SOLE   4,664 0 0
Buckeye Partners Uts L P COM 118230101 237 4,000 SH   SOLE   0 0 4,000
Bank Of Hawaii COM 062540109 241 3,800 SH   SOLE   3,725 0 75
Mckesson Corporation COM 58155Q103 243 1,312 SH   SOLE   1,312 0 0
Calumet Specialty Prod COM 131476103 243 10,000 SH   SOLE   0 0 10,000
Wal Mart Stores COM 931142103 250 3,862 SH   SOLE   3,294 0 568
Bard C R Incorporated COM 067383109 255 1,371 SH   SOLE   1,371 0 0
Align Technology Inc COM 016255101 261 4,604 SH   SOLE   4,571 0 33
Air Prod & Chemicals Inc COM 009158106 268 2,100 SH   SOLE   0 0 2,100
Straight Path COM 862578101 268 6,630 SH   SOLE   0 0 6,630
United Parcel Ser COM 911312106 269 2,723 SH   SOLE   0 0 2,723
Medtronic PLC F COM G5960L103 271 4,054 SH   SOLE   0 0 4,054
Schwab Emerging Market Equity ETF COM 808524706 278 13,745 SH   SOLE   13,624 0 121
Tableau Software Inc COM 87336U105 281 3,516 SH   SOLE   0 0 3,516
iShares Russell COM 464287473 281 4,191 SH   SOLE   0 0 4,191
Vanguard Bond Index Fund COM 921937835 281 3,434 SH   SOLE   3,334 0 100
V F Corporation COM 918204108 283 4,149 SH   SOLE   0 0 4,149
Intl Flavors& Fragrances COM 459506101 286 2,769 SH   SOLE   2,769 0 0
Sherwin Williams Co COM 824348106 297 1,335 SH   SOLE   1,187 0 148
Lowes Companies Inc COM 548661107 299 4,339 SH   SOLE   0 0 4,339
Mead Johnson Nutrition COM 582839106 304 4,315 SH   SOLE   4,315 0 0
Kinder Morgan COM 49456B101 305 11,032 SH   SOLE   657 0 10,375
iShares S&P Global Materials COM 464288695 308 6,936 SH   SOLE   673 0 6,263
Conocophillips COM 20825C104 311 6,493 SH   SOLE   4,558 0 1,935
Nextera Energy COM 65339F101 316 3,240 SH   SOLE   2,795 0 445
Cogent Communication COM 19239V302 317 11,664 SH   SOLE   1,130 0 10,534
iShares Russell COM 464287648 321 2,399 SH   SOLE   0 0 2,399
Ferrellgas Partners COM 315293100 322 16,298 SH   SOLE   0 0 16,298
Mercadolibre Inc COM 58733R102 325 3,563 SH   SOLE   0 0 3,563
Charles Schwab COM 808513105 331 11,580 SH   SOLE   3,801 0 7,779
Donnelley R R & Sons Co COM 257867101 335 23,000 SH   SOLE   0 0 23,000
iShares S&P Global Telecom COM 464287275 340 5,987 SH   SOLE   685 0 5,302
SPDR Dow Jones REIT COM 78464A607 347 4,029 SH   SOLE   1,606 0 2,423
Procter & Gamble COM 742718109 350 4,867 SH   SOLE   4,416 0 451
iShares S&P Global Utilities COM 464288711 350 7,913 SH   SOLE   869 0 7,044
Solarcity Corp Com COM 83416T100 351 8,208 SH   SOLE   944 0 7,264
PIMCO High Income FD COM 722014107 351 46,573 SH   SOLE   0 0 46,573
Oracle COM 68389X105 361 9,987 SH   SOLE   7,475 0 2,512
Lindsay Corporation COM 535555106 366 5,402 SH   SOLE   629 0 4,773
Accenture PLC CL A F COM G1151C101 367 3,737 SH   SOLE   3,737 0 0
Vanguard FTSE Developed Market S ETF COM 921943858 380 10,612 SH   SOLE   682 0 9,930
Google 'a' COM 38259P508 381 597 SH   SOLE   427 0 170
Baxter International Inc COM 071813109 392 11,920 SH   SOLE   0 0 11,920
Acuity Brands Inc COM 00508Y102 398 2,267 SH   SOLE   2,165 0 102
SPDR Gold Shares COM 78463V107 402 3,758 SH   SOLE   2,498 0 1,260
EMC COM 268648102 410 16,902 SH   SOLE   15,672 0 1,230
Enterprise Products Partners LP COM 293792107 410 16,475 SH   SOLE   13,280 0 3,195
Dominion Res. COM 25746U109 414 5,882 SH   SOLE   5,752 0 130
Consolidated Edison Inc COM 209115104 428 6,400 SH   SOLE   4,000 0 2,400
H C P Inc COM 40414L109 438 11,760 SH   SOLE   0 0 11,760
Chubb Corporation COM 171232101 446 3,639 SH   SOLE   3,639 0 0
Abbott Laboratories COM 002824100 447 11,106 SH   SOLE   0 0 11,106
Veeva Systems Inc. COM 922475108 468 20,000 SH   SOLE   0 0 20,000
Nvidia Corp COM 67066G104 476 19,292 SH   SOLE   2,358 0 16,934
Schwab US REIT ETF COM 808524847 478 12,842 SH   SOLE   10,838 0 2,004
GlaxoSmithKline PLC Adrf COM 37733W105 487 12,665 SH   SOLE   12,055 0 610
Digital Realty TST. COM 253868103 498 7,630 SH   SOLE   0 0 7,630
iShares 20+ Year COM 464287432 508 4,114 SH   SOLE   0 0 4,114
Schwab US Mid-Cap Equity ETF COM 808524508 511 13,121 SH   SOLE   12,792 0 329
iShares North COM 464287549 517 5,151 SH   SOLE   0 0 5,151
Monster Beverage Corp COM 61174X109 519 3,841 SH   SOLE   3,697 0 144
Anadarko Petroleum COM 032511107 543 8,995 SH   SOLE   8,595 0 400
iShares S&P Smcap Growth COM 464287887 550 4,574 SH   SOLE   1,163 0 3,411
Target COM 87612E106 564 7,175 SH   SOLE   575 0 6,600
T J X Cos Inc COM 872540109 584 8,172 SH   SOLE   7,692 0 480
Cisco Systems COM 17275R102 595 22,680 SH   SOLE   21,134 0 1,546
Walgreens Boots Allianc COM 931427108 609 7,330 SH   SOLE   7,330 0 0
iShares MSCI Emerging Markets ETF COM 464287234 616 18,788 SH   SOLE   2,373 0 16,415
US Bancorp COM 902973304 639 15,575 SH   SOLE   2,100 0 13,475
Pricesmart Inc COM 741511109 655 8,463 SH   SOLE   3,810 0 4,653
iShares S&P Developed COM 464288422 658 18,880 SH   SOLE   11,375 0 7,505
iShares Intermediate California Municipal Bond ETF COM 464288356 662 5,641 SH   SOLE   4,405 0 1,236
Isis Pharmaceuticals Inc COM 464330109 673 16,650 SH   SOLE   0 0 16,650
iShares iBoxx $ Investment Grade Corporate Bond ETF COM 464287242 673 5,800 SH   SOLE   3,748 0 2,052
iShares S&P Global Energy COM 464287341 678 23,632 SH   SOLE   3,490 0 20,142
Sempra En. COM 816851109 692 7,136 SH   SOLE   4,566 0 2,570
SCH US TIPS ETF COM 808524870 701 13,066 SH   SOLE   0 0 13,066
Cabot Oil & Gas CP COM 127097103 704 32,188 SH   SOLE   0 0 32,188
Ametek Inc New COM 031100100 706 13,500 SH   SOLE   0 0 13,500
Microsoft COM 594918104 722 16,302 SH   SOLE   0 0 16,302
iShares Mortgage COM 464288539 723 72,695 SH   SOLE   0 0 72,695
Coca Cola Company COM 191216100 730 18,191 SH   SOLE   15,766 0 2,425
Cme Group COM 12572Q105 737 7,948 SH   SOLE   5,234 0 2,714
Illumina Inc COM 452327109 763 4,340 SH   SOLE   2,455 0 1,885
AT&T COM 00206R102 764 23,449 SH   SOLE   3,510 0 19,938
Vanguard Emerging Markets ETF COM 922042858 772 22,980 SH   SOLE   4,677 0 18,303
Schwab Shrt. Term US Treasury Bond ETF COM 808524862 782 15,392 SH   SOLE   15,168 0 224
Akamai Technologies COM 00971T101 784 11,357 SH   SOLE   2,453 0 8,904
Bristol Myers Squibb COM 110122108 827 13,947 SH   SOLE   0 0 13,947
Colgate-Palmolive Co COM 194162103 832 13,103 SH   SOLE   4,763 0 8,340
Verizon Communications COM 92343V104 856 19,681 SH   SOLE   16,618 0 3,063
First Solar Inc COM 336433107 864 20,203 SH   SOLE   11,225 0 8,978
iShares Russell 2000 ETF COM 464287655 864 7,912 SH   SOLE   1,480 0 6,432
iShares S&P Global Industrials COM 464288729 865 13,512 SH   SOLE   2,197 0 11,315
Nike Inc Class B COM 654106103 893 7,258 SH   SOLE   6,623 0 635
Intel COM 458140100 970 32,185 SH   SOLE   14,526 0 17,659
Wells Fargo & Co COM 949746101 974 18,963 SH   SOLE   6,418 0 12,545
Schwab International Developed Equity ETF COM 808524805 974 35,579 SH   SOLE   34,860 0 719
Under Armour Inc CL A COM 904311107 986 10,191 SH   SOLE   3,860 0 6,331
Intuitive Surgical New COM 46120E602 989 2,152 SH   SOLE   0 0 2,152
Starbucks Corp COM 855244109 1,010 17,761 SH   SOLE   12,542 0 5,219
Avago Technologies COM Y0486S104 1,043 8,345 SH   SOLE   4,423 0 3,921
Pfizer Incorporated COM 717081103 1,046 33,306 SH   SOLE   11,251 0 22,055
iShares S&P Global Financial Services COM 464287333 1,057 20,544 SH   SOLE   2,976 0 17,568
Abbv COM 00287Y109 1,063 19,536 SH   SOLE   7,764 0 11,772
iShares National AMT-Free Muni Bond ETF COM 464288414 1,072 9,782 SH   SOLE   8,262 0 1,520
Twitter Inc COM 90184L102 1,075 39,903 SH   SOLE   0 0 39,903
Honeywell International COM 438516106 1,080 11,410 SH   SOLE   6,735 0 4,675
Auto Data Processing COM 053015103 1,080 13,445 SH   SOLE   0 0 13,445
Fortinet Inc COM 34959E109 1,096 25,800 SH   SOLE   25,800 0 0
Discover Financial SVS. COM 254709108 1,118 21,509 SH   SOLE   12,989 0 8,520
Caterpillar COM 149123101 1,148 17,565 SH   SOLE   14,775 0 2,790
BP Prudhoe Bay RTY COM 055630107 1,149 27,970 SH   SOLE   0 0 27,970
Seattle Genetics Inc COM 812578102 1,157 30,000 SH   SOLE   0 0 30,000
Frontier Communications COM 35906A108 1,188 250,054 SH   SOLE   29 0 250,025
Emerson Electric COM 291011104 1,192 26,988 SH   SOLE   25,730 0 1,258
iShars S&P Global Consumer Defensive COM 464288737 1,205 13,559 SH   SOLE   1,873 0 11,686
Tesla Motors Inc COM 88160R101 1,221 4,916 SH   SOLE   451 0 4,465
Praxair COM 74005P104 1,222 12,000 SH   SOLE   12,000 0 0
Ross Stores Inc COM 778296103 1,240 25,590 SH   SOLE   25,590 0 0
Merck & Co Inc New COM 58933Y105 1,264 25,591 SH   SOLE   44 0 25,547
iShares S&P Global Consumer Cyclical COM 464288745 1,279 14,986 SH   SOLE   2,184 0 12,802
iShares S&P Global Healthcare COM 464287325 1,296 13,157 SH   SOLE   2,071 0 11,086
Norfolk Southern COM 655844108 1,321 17,296 SH   SOLE   16,296 0 1,000
SCH Intm US TRSR ETF COM 808524854 1,327 24,347 SH   SOLE   24,174 0 173
Pandora Media Inc COM 698354107 1,386 64,970 SH   SOLE   46,398 0 18,572
iShares TR Bond COM 464287440 1,386 12,853 SH   SOLE   306 0 12,547
iShares TR Barclays Bond COM 464288661 1,388 11,138 SH   SOLE   0 0 11,138
IShares MSCI EAFE COM 464287465 1,399 24,412 SH   SOLE   3,248 0 21,164
Costco Wholesale COM 22160K105 1,443 9,982 SH   SOLE   9,954 0 28
Salesforce Com COM 79466L302 1,478 21,285 SH   SOLE   19,905 0 1,380
Vanguard Bond Index Fund COM 921937827 1,479 18,401 SH   SOLE   1,548 0 16,853
Schwab US Aggregate Bond ETF COM 808524839 1,525 29,250 SH   SOLE   29,004 0 246
iShares S&P Midcap Growth COM 464287606 1,527 9,722 SH   SOLE   1,920 0 7,802
Carlyle Group L P COM 14309L102 1,538 91,573 SH   SOLE   0 0 91,573
Lockheed Martin Corp COM 539830109 1,595 7,696 SH   SOLE   7,240 0 456
General Electric COM 369604103 1,615 63,884 SH   SOLE   0 0 63,884
Dynex Capital Inc New COM 26817Q506 1,617 246,489 SH   SOLE   7,500 0 238,989
iShares S&P Global Technology COM 464287291 1,652 18,361 SH   SOLE   3,058 0 15,303
iShares Core S&P Small-Cap ETF COM 464287804 1,677 15,733 SH   SOLE   0 0 15,733
Starwood Property Trust COM 85571B105 1,722 81,992 SH   SOLE   0 0 81,992
IBM COM 459200101 1,747 12,052 SH   SOLE   11,024 0 1,028
KKR & Company LP Com COM 48248M102 1,753 104,491 SH   SOLE   0 0 104,491
BlackRock COM 09247X101 1,795 6,036 SH   SOLE   5,453 0 583
Philip Morris Intl. COM 718172109 1,810 22,621 SH   SOLE   20,271 0 2,350
Apollo Global Management COM 037612306 1,831 106,601 SH   SOLE   0 0 106,601
Schwab US Large-Cap Equity ETF COM 808524201 1,872 40,902 SH   SOLE   39,820 0 1,082
Moody's COM 615369105 1,964 20,000 SH   SOLE   20,000 0 0
Roche HLDG LTD Spon Adrf COM 771195104 1,993 60,620 SH   SOLE   470 0 60,150
Blackstone Group LP COM 09253U108 2,129 67,239 SH   SOLE   0 0 67,239
iShares Barclays TIPS BD.FD. COM 464287176 2,135 19,287 SH   SOLE   4,510 0 14,777
Fedex Corporation COM 31428X106 2,225 15,433 SH   SOLE   0 0 15,433
United Technologies COM 913017109 2,272 25,530 SH   SOLE   0 0 25,530
Visa 'a' COM 92826C839 2,272 32,618 SH   SOLE   32,618 0 0
iShares Barclays Aggregate Bond ETF COM 464287226 2,324 21,207 SH   SOLE   0 0 21,207
Linear Tech. COM 535678106 2,341 58,024 SH   SOLE   0 0 58,024
Analog Devices COM 032654105 2,414 42,800 SH   SOLE   0 0 42,800
Netflix Inc COM 64110L106 2,487 24,088 SH   SOLE   10,948 0 13,140
Facebook Inc Class A COM 30303M102 2,503 27,841 SH   SOLE   0 0 27,841
American Express COM 025816109 2,533 34,163 SH   SOLE   0 0 34,163
3M COM 88579Y101 2,647 18,668 SH   SOLE   13,138 0 5,530
Berkshire Hathaway 'B' COM 084670702 2,652 20,336 SH   SOLE   18,906 0 1,430
Ford Motor COM 345370860 2,686 197,919 SH   SOLE   157,804 0 40,115
SPDR Barclays Capital High Yield Bnd ETF COM 78464A417 2,712 76,045 SH   SOLE   0 0 76,045
Dun & Bradstreet Del. COM 26483E100 2,730 26,000 SH   SOLE   26,000 0 0
Amazon Com Inc COM 023135106 2,749 5,371 SH   SOLE   2,153 0 3,218
Comcast 'a' COM 20030N101 2,768 48,660 SH   SOLE   0 0 48,660
Chevron COM 166764100 2,807 35,581 SH   SOLE   0 0 35,581
McDonalds COM 580135101 2,868 29,103 SH   SOLE   20,458 0 8,645
iShares U S PFD ETF COM 464288687 2,877 74,533 SH   SOLE   0 0 74,533
Thermo Fisher Scientific COM 883556102 3,011 24,609 SH   SOLE   15,548 0 9,061
Johnson & Johnson COM 478160104 3,138 33,614 SH   SOLE   16,726 0 16,888
DR Pepper Snapple Group COM 26138E109 3,329 41,934 SH   SOLE   38,139 0 3,795
Travelers Cos. COM 89417E109 3,402 34,186 SH   SOLE   31,886 0 2,300
CVS Caremark COM 126650100 3,415 35,397 SH   SOLE   34,412 0 985
Amgen Incorporated COM 031162100 3,553 25,689 SH   SOLE   459 0 25,230
Exxon Mobil COM 30231G102 3,993 53,709 SH   SOLE   0 0 53,709
Lyondellbasell Inds.CL.A COM N53745100 4,069 48,814 SH   SOLE   38,494 0 10,320
Xilinx Inc COM 983919101 4,240 100,000 SH   SOLE   0 0 100,000
Celgene COM 151020104 4,342 40,140 SH   SOLE   31,764 0 8,376
Powershares Emerging Market Bond ETF COM 73936T573 4,455 162,403 SH   SOLE   13,862 0 148,541
SPDR S&P 500 ETF COM 78462F103 5,172 26,860 SH   SOLE   0 0 26,860
Allergan PLC F COM G0177J108 5,408 19,895 SH   SOLE   15,480 0 4,415
Walt Disney COM 254687106 5,742 56,180 SH   SOLE   43,056 0 13,124
Google Inc CL C COM 38259P706 6,570 10,799 SH   SOLE   7,824 0 2,975
Gilead Sciences COM 375558103 6,652 67,751 SH   SOLE   60,166 0 7,585
Home Depot COM 437076102 6,747 58,421 SH   SOLE   47,471 0 10,950
Lilly Eli & Company COM 532457108 10,109 120,797 SH   SOLE   1,000 0 119,797
Apple COM 037833100 12,597 114,204 SH   SOLE   62,464 0 51,740
Occidental PTL. COM 674599105 14,617 220,908 SH   SOLE   150,338 0 70,570
iShares S&P 500 ETF COM 464287200 20,480 106,272 SH   SOLE   1,059 0 105,213
Altera Corp COM 021441100 26,823 535,600 SH   SOLE   0 0 535,600