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
3M Company COM 88579Y101 546 4,000 SH   SOLE   4,000 0 0
Abbott Laboratories COM 002824100 241 3,058 SH   SOLE   3,058 0 0
AbbVie Inc. COM 00287Y109 255 3,350 SH   SOLE   3,350 0 0
Alexion Pharmaceuticals Inc COM 015351109 206 2,299 SH   SOLE   2,299 0 0
Allergan Inc. COM G0177J108 385 2,174 SH   SOLE   2,174 0 0
Allstate Corporation COM 020002101 1,181 12,880 SH   SOLE   12,880 0 0
Alphabet Inc A COM 02079K305 1,928 1,659 SH   SOLE   1,659 0 0
Alphabet Inc C COM 02079K107 383 329 SH   SOLE   329 0 0
Amazon.com Inc. COM 023135106 1,193 612 SH   SOLE   612 0 0
American Water Works Co Inc COM 030420103 201 1,680 SH   SOLE   1,680 0 0
Ameriprise Financial Inc . COM 03076C106 363 3,542 SH   SOLE   3,542 0 0
Apple Inc. COM 037833100 5,241 20,609 SH   SOLE   20,609 0 0
Aptiv PLC COM G6095L109 323 6,559 SH   SOLE   6,559 0 0
AT&T Inc. COM 00206R102 230 7,894 SH   SOLE   7,894 0 0
Bank of America Corp. COM 060505104 1,317 62,057 SH   SOLE   62,057 0 0
Bank of New York Mellon Cor COM 064058100 227 6,740 SH   SOLE   6,740 0 0
Berkshire Hathaway Inc. Cla COM 084670702 230 1,259 SH   SOLE   1,259 0 0
Boston Scientific Corp. COM 101137107 215 6,581 SH   SOLE   6,581 0 0
BP Plc. (ADR) COM 055622104 200 8,185 SH   SOLE   8,185 0 0
Bristol-Myers Squibb Co. COM 110122108 778 13,965 SH   SOLE   13,965 0 0
Capital One Financial Corp COM 14040H105 518 10,272 SH   SOLE   10,272 0 0
CarGurus Inc. Class A COM 141788109 189 10,000 SH   SOLE   10,000 0 0
CF Industries Holdings Inc COM 125269100 385 14,145 SH   SOLE   14,145 0 0
Chevron Corp. COM 166764100 4,569 63,058 SH   SOLE   63,058 0 0
Chubb Ltd. COM H1467J104 254 2,272 SH   SOLE   2,272 0 0
Cisco Systems Inc. COM 17275R102 1,206 30,686 SH   SOLE   30,686 0 0
Clorox Co. COM 189054109 223 1,285 SH   SOLE   1,285 0 0
Coca-Cola Company COM 191216100 982 22,191 SH   SOLE   22,191 0 0
Communication Services Sel COM 81369Y852 628 14,206 SH   SOLE   14,206 0 0
Constellation Brands Inc. COM 21036P108 2,522 17,589 SH   SOLE   17,589 0 0
Costco Wholesale Corp. COM 22160K105 537 1,885 SH   SOLE   1,885 0 0
Cummins Inc. COM 231021106 388 2,868 SH   SOLE   2,868 0 0
CVS Caremark Corp. COM 126650100 826 13,915 SH   SOLE   13,915 0 0
Danaher Corp. COM 235851102 685 4,951 SH   SOLE   4,951 0 0
Darden Restaurants Inc. COM 237194105 579 10,625 SH   SOLE   10,625 0 0
DTE Energy Company COM 233331107 447 4,705 SH   SOLE   4,705 0 0
Ecolab Inc. COM 278865100 362 2,321 SH   SOLE   2,321 0 0
Eli Lilly & Co. COM 532457108 743 5,357 SH   SOLE   5,357 0 0
Exxon Mobil Corporation COM 30231G102 29,205 769,172 SH   SOLE   769,172 0 0
Facebook Inc. COM 30303M102 1,013 6,074 SH   SOLE   6,074 0 0
Financial Select Sector SPD COM 81369Y605 623 29,919 SH   SOLE   29,919 0 0
Fiserv Inc. COM 337738108 2,369 24,939 SH   SOLE   24,939 0 0
General Electric Co. COM 369604103 82 10,293 SH   SOLE   10,293 0 0
Gilead Sciences Inc. COM 375558103 795 10,637 SH   SOLE   10,637 0 0
Host Hotels & Resorts Inc COM 44107P104 494 44,710 SH   SOLE   44,710 0 0
HP Inc COM 40434l105 691 39,829 SH   SOLE   39,829 0 0
Intel Corp. COM 458140100 1,882 34,767 SH   SOLE   34,767 0 0
International Business Mach COM 459200101 452 4,075 SH   SOLE   4,075 0 0
Invesco QQQ Trust COM 46090E103 1,533 8,051 SH   SOLE   8,051 0 0
Invesco S&P 500 Equal Weig COM 46137v357 1,606 19,112 SH   SOLE   19,112 0 0
iShares Barclays Aggregate ETF 464287226 5,749 49,835 SH   SOLE   49,835 0 0
iShares DJ Select Dividend ETF 464287168 402 5,470 SH   SOLE   5,470 0 0
iShares Floating Rate Bond ETF 46429B655 3,618 74,240 SH   SOLE   74,240 0 0
iShares MSCI Emerging Marke COM 464287234 1,130 33,113 SH   SOLE   33,113 0 0
iShares Russell 1000 Growth ETF 464287614 261 1,734 SH   SOLE   1,734 0 0
iShares Russell 2000 Index COM 464287655 1,101 9,620 SH   SOLE   9,620 0 0
iShares S&P 500 Index Fund COM 464287200 5,606 21,697 SH   SOLE   21,697 0 0
iShares S&P SmallCap 600 In ETF 464287804 253 4,505 SH   SOLE   4,505 0 0
Johnson & Johnson COM 478160104 773 5,892 SH   SOLE   5,892 0 0
JP Morgan Chase & Co. (Comm COM 46625H100 2,164 24,036 SH   SOLE   24,036 0 0
L3Harris Technologies Inc COM 502431109 393 2,183 SH   SOLE   2,183 0 0
LKQ Corp COM 501889208 380 18,509 SH   SOLE   18,509 0 0
Lowe's Companies Inc. COM 548661107 914 10,625 SH   SOLE   10,625 0 0
Mastercard Inc COM 57636Q104 2,162 8,951 SH   SOLE   8,951 0 0
McDonald's Corp. COM 580135101 1,487 8,993 SH   SOLE   8,993 0 0
McKesson Corp. COM 58155Q103 782 5,781 SH   SOLE   5,781 0 0
Merck & Co. Inc. COM 58933Y105 218 2,838 SH   SOLE   2,838 0 0
Microchip Technology Inc. COM 595017104 494 7,288 SH   SOLE   7,288 0 0
Microsoft Corp COM 594918104 1,727 10,947 SH   SOLE   10,947 0 0
Novartis AG (ADR) ADR 66987V109 247 2,996 SH   SOLE   2,996 0 0
Nvidia Corp. COM 67066G104 5,060 19,196 SH   SOLE   19,196 0 0
Parker-Hannifin Corp. COM 701094104 370 2,849 SH   SOLE   2,849 0 0
PayPal Holdings Inc. COM 70450Y103 827 8,634 SH   SOLE   8,634 0 0
Pfizer Inc. COM 717081103 1,548 47,421 SH   SOLE   47,421 0 0
Procter & Gamble COM 742718109 1,308 11,888 SH   SOLE   11,888 0 0
Public Service Enterprise G COM 744573106 810 18,038 SH   SOLE   18,038 0 0
Quanta Services Inc. COM 74762E102 654 20,625 SH   SOLE   20,625 0 0
Roper Industries Inc. COM 776696106 1,493 4,787 SH   SOLE   4,787 0 0
SPDR S&P 500 ETF ETF 78462F103 220 855 SH   SOLE   855 0 0
Stanley Black & Decker Inc. COM 854502101 640 6,399 SH   SOLE   6,399 0 0
Synopsys Inc. COM 871607107 374 2,904 SH   SOLE   2,904 0 0
Sysco Corporation COM 871829107 251 5,495 SH   SOLE   5,495 0 0
Target Corporation COM 87612E106 1,259 13,547 SH   SOLE   13,547 0 0
Technology Select Sector SP COM 81369Y803 770 9,585 SH   SOLE   9,585 0 0
Thermo Fisher Scientific In COM 883556102 2,336 8,237 SH   SOLE   8,237 0 0
TJX Companies Inc. COM 872540109 202 4,220 SH   SOLE   4,220 0 0
Trane Technologies PLC COM G8994E103 323 3,912 SH   SOLE   3,912 0 0
Travelers Companies Inc. COM 89417E109 764 7,691 SH   SOLE   7,691 0 0
Tyson Foods, Inc. Class A COM 902494103 733 12,675 SH   SOLE   12,675 0 0
Union Pacific Corp. COM 907818108 649 4,601 SH   SOLE   4,601 0 0
United Technologies Corp. COM 913017109 366 3,885 SH   SOLE   3,885 0 0
Unum Group COM 91529Y106 343 22,829 SH   SOLE   22,829 0 0
Valero Energy Corp. COM 91913Y100 629 13,863 SH   SOLE   13,863 0 0
Vanguard Short-Term Corp. B Mutual Fund 92206C409 1,908 24,123 SH   SOLE   24,123 0 0
Vanguard Small Cap ETF COM 922908751 2,860 24,772 SH   SOLE   24,772 0 0
Verizon Communications COM 92343V104 1,668 31,042 SH   SOLE   31,042 0 0
Visa Inc. COM 92826C839 249 1,547 SH   SOLE   1,547 0 0
Wal-Mart Stores Inc. COM 931142103 1,255 11,049 SH   SOLE   11,049 0 0
Walt Disney Co. COM 254687106 1,271 13,162 SH   SOLE   13,162 0 0
Zoetis Inc. COM 98978V103 305 2,593 SH   SOLE   2,593 0 0