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
Babson Cap Corporate Investors BDFUND 05617K109 5,857 339,542 SH   SOLE   169,771 0 169,771
Babson Cap Participation Inv ( BDFUND 05616B100 1,160 84,380 SH   SOLE   42,190 0 42,190
IShares IBonds Sep 2019 Muni ( BDFUND 46429B564 410 16,000 SH   SOLE   8,000 0 8,000
Market Vectors Short Muni ETF BDFUND 57060U803 947 54,000 SH   SOLE   27,000 0 27,000
Nuveen Barclays Shrt Term Muni BDFUND 78464A425 2,859 117,350 SH   SOLE   58,675 0 58,675
Schwab Aggregate Bond ETF (SCH BDFUND 808524839 1,962 38,100 SH   SOLE   19,050 0 19,050
Vanguard Intermediate Corp Bon BDFUND 92206C870 7,209 85,728 SH   SOLE   42,864 0 42,864
Vanguard ST Corp Bond ETF (VCS BDFUND 92206C409 23,529 297,870 SH   SOLE   148,935 0 148,935
iShares 1-3 Yr Treasury Bond F BDFUND 464287457 408 4,836 SH   SOLE   2,418 0 2,418
iShares Barclays 1-3 Yr Credit BDFUND 464288646 11,448 109,450 SH   SOLE   54,725 0 54,725
iShares Floating Rate Note Fun BDFUND 46429B655 1,579 31,300 SH   SOLE   15,650 0 15,650
iShares National Muni Bond (MU BDFUND 464288414 7,916 71,500 SH   SOLE   35,750 0 35,750
iShares Short Term Nat'l Muni BDFUND 464288158 8,534 80,550 SH   SOLE   40,275 0 40,275
iShares TIPS Bond Fund (TIP) BDFUND 464287176 5,313 48,440 SH   SOLE   24,220 0 24,220
Nustar Energy (NS) LP 67058H102 411 10,250 SH   SOLE   5,125 0 5,125
Spectra Energy Partners LP (SE LP 84756N109 791 16,580 SH   SOLE   8,290 0 8,290
H C P Inc Reit (HCP) REIT 40414L109 2,052 53,650 SH   SOLE   26,825 0 26,825
Invesco Mortgage Capital Inc ( REIT 46131B100 857 69,150 SH   SOLE   34,575 0 34,575
Plum Creek Timber Co Reit (PCL REIT 729251108 3,641 76,300 SH   SOLE   38,150 0 38,150
Schwab REIT ETF (SCHH) REIT 808524847 1,560 39,350 SH   SOLE   19,675 0 19,675
3M Company (MMM) COM 88579Y101 1,647 10,934 SH   SOLE   5,467 0 5,467
A F L A C Inc. (AFL) COM 001055102 683 11,400 SH   SOLE   5,700 0 5,700
AT&T Inc. (T) COM 00206R102 2,369 68,852 SH   SOLE   34,426 0 34,426
Abbott Laboratories (ABT) COM 002824100 1,209 26,912 SH   SOLE   13,456 0 13,456
Abbvie Inc (ABBV) COM 00287Y109 1,159 19,572 SH   SOLE   9,786 0 9,786
Accenture PLC (ACN) COM G1151C101 679 6,500 SH   SOLE   3,250 0 3,250
Aetna Inc (AET) COM 00817Y108 1,254 11,600 SH   SOLE   5,800 0 5,800
Alphabet Class A (GOOGL) COM 02079K305 630 810 SH   SOLE   405 0 405
Alphabet Class C (GOOG) COM 02079K107 2,378 3,134 SH   SOLE   1,567 0 1,567
Amazon Com Inc (AMZN) COM 023135106 3,058 4,524 SH   SOLE   2,262 0 2,262
Ambarella (AMBA) COM g037ax101 440 7,890 SH   SOLE   3,945 0 3,945
Amgen Incorporated (AMGN) COM 031162100 440 2,710 SH   SOLE   1,355 0 1,355
Apple Computer (AAPL) COM 037833100 6,772 64,332 SH   SOLE   32,166 0 32,166
Auto Data Processing (ADP) COM 053015103 478 5,648 SH   SOLE   2,824 0 2,824
Autodesk Inc. (ADSK) COM 052769106 1,703 27,950 SH   SOLE   13,975 0 13,975
BWX Technologies (BWXT) COM 05605H100 450 14,150 SH   SOLE   7,075 0 7,075
Bank of Montreal (BMO) COM 063671101 1,737 30,780 SH   SOLE   15,390 0 15,390
Bemis Co. (BMS) COM 081437105 679 15,200 SH   SOLE   7,600 0 7,600
Berkshire Hathaway Cl B (BRKB) COM 084670702 2,773 21,000 SH   SOLE   10,500 0 10,500
Boeing Company (BA) COM 097023105 588 4,070 SH   SOLE   2,035 0 2,035
Boston Beer Co (SAM) COM 100557107 513 2,540 SH   SOLE   1,270 0 1,270
Bristol-Myers Squibb (BMY) COM 110122108 915 13,304 SH   SOLE   6,652 0 6,652
C.R. Bard Inc (BCR) COM 067383109 1,409 7,440 SH   SOLE   3,720 0 3,720
CVS Health Corp. (CVS) COM 126650100 2,072 21,194 SH   SOLE   10,597 0 10,597
Celanese (CE) COM 150870103 1,047 15,550 SH   SOLE   7,775 0 7,775
Chevron Corp (CVX) COM 166764100 1,288 14,314 SH   SOLE   7,157 0 7,157
Cisco Systems Inc. (CSCO) COM 17275R102 2,037 75,004 SH   SOLE   37,502 0 37,502
Coca Cola Company (KO) COM 191216100 621 14,450 SH   SOLE   7,225 0 7,225
Colgate-Palmolive Co. (CL) COM 194162103 1,381 20,730 SH   SOLE   10,365 0 10,365
Comcast Corp NEW CL A (CMCSA) COM 20030N101 834 14,774 SH   SOLE   7,387 0 7,387
Conagra (CAG) COM 205887102 590 14,000 SH   SOLE   7,000 0 7,000
Danaher Corp (DHR) COM 235851102 435 4,680 SH   SOLE   2,340 0 2,340
Disney Walt Hldg. Co. (DIS) COM 254687106 2,304 21,930 SH   SOLE   10,965 0 10,965
Dow Chemical (DOW) COM 260543103 1,201 23,320 SH   SOLE   11,660 0 11,660
Dun & Bradstreet Corp (DNB) COM 26483E100 411 3,950 SH   SOLE   1,975 0 1,975
E.I. DuPont DeNemours (DD) COM 263534109 1,206 18,110 SH   SOLE   9,055 0 9,055
EMC Corp. (EMC) COM 268648102 1,033 40,228 SH   SOLE   20,114 0 20,114
Exxon Mobil (XOM) COM 30231G102 5,204 66,758 SH   SOLE   33,379 0 33,379
FDX Corporation (FDX) COM 31428X106 434 2,910 SH   SOLE   1,455 0 1,455
Facebook (FB) COM 30303M102 1,212 11,580 SH   SOLE   5,790 0 5,790
Fastenal Company (FAST) COM 311900104 445 10,906 SH   SOLE   5,453 0 5,453
General Electric Company (GE) COM 369604103 3,048 97,836 SH   SOLE   48,918 0 48,918
General Mills, Inc. (GIS) COM 370334104 935 16,220 SH   SOLE   8,110 0 8,110
Gilead Sciences Inc. (GILD) COM 375558103 2,319 22,920 SH   SOLE   11,460 0 11,460
Glaxosmithkline PLC ADRF (GSK) COM 37733W105 448 11,106 SH   SOLE   5,553 0 5,553
Graco Inc (GGG) COM 384109104 656 9,102 SH   SOLE   4,551 0 4,551
Hershey Company (HSY) COM 427866108 446 5,000 SH   SOLE   2,500 0 2,500
Hologic Inc (HOLX) COM 436440101 534 13,806 SH   SOLE   6,903 0 6,903
Home Depot Inc. (HD) COM 437076102 1,600 12,100 SH   SOLE   6,050 0 6,050
Honeywell International (HON) COM 438516106 887 8,564 SH   SOLE   4,282 0 4,282
Hormel Foods (HRL) COM 440452100 2,072 26,201 SH   SOLE   13,101 0 13,101
Hyster-Yale Materials Handling COM 449172105 3,249 61,940 SH   SOLE   30,970 0 30,970
Illinois Tool Works Inc (ITW) COM 452308109 931 10,050 SH   SOLE   5,025 0 5,025
Inogen, Inc (INGN) COM 45780L104 1,060 26,430 SH   SOLE   13,215 0 13,215
Intel Corp. (INTC) COM 458140100 3,266 94,816 SH   SOLE   47,408 0 47,408
Intl Business Machines (IBM) COM 459200101 769 5,586 SH   SOLE   2,793 0 2,793
J P Morgan Chase & Co (JPM) COM 46625H100 2,051 31,062 SH   SOLE   15,531 0 15,531
J.M. Smuckers Co (SJM) COM 832696405 1,515 12,280 SH   SOLE   6,140 0 6,140
JetBlue Airways Corp (JBLU) COM 477143101 1,076 47,500 SH   SOLE   23,750 0 23,750
Johnson & Johnson (JNJ) COM 478160104 3,141 30,582 SH   SOLE   15,291 0 15,291
Kohlberg Kravis & Co (KKR) COM 48248M102 1,301 83,450 SH   SOLE   41,725 0 41,725
Korn Ferry International (KFY) COM 500643200 1,165 35,100 SH   SOLE   17,550 0 17,550
Kroger (KR) COM 501044101 736 17,600 SH   SOLE   8,800 0 8,800
Lazard Ltd (LAZ) COM G54050102 952 21,150 SH   SOLE   10,575 0 10,575
Lilly Eli & Company (LLY) COM 532457108 1,189 14,110 SH   SOLE   7,055 0 7,055
Lockheed Martin Corp. (LMT) COM 539830109 505 2,326 SH   SOLE   1,163 0 1,163
Market Vectors Biotech ETF (BB COM 57060U183 438 3,450 SH   SOLE   1,725 0 1,725
McDonalds Corp (MCD) COM 580135101 1,012 8,570 SH   SOLE   4,285 0 4,285
Merck & Co Inc. (MRK) COM 589331107 1,059 20,058 SH   SOLE   10,029 0 10,029
Microsoft Corp. (MSFT) COM 594918104 3,338 60,166 SH   SOLE   30,083 0 30,083
Moodys Corp. (MCO) COM 615369105 441 4,400 SH   SOLE   2,200 0 2,200
Nacco Inds Inc CL A (NC) COM 629579103 1,453 34,420 SH   SOLE   17,210 0 17,210
National Grid ADS (NGG) COM 636274300 1,582 22,750 SH   SOLE   11,375 0 11,375
NextEra Energy (NEE) COM 65339F101 1,006 9,680 SH   SOLE   4,840 0 4,840
Occidental Pete Corp (OXY) COM 674599105 475 7,030 SH   SOLE   3,515 0 3,515
Omnicanna Health Solutions (EN COM 68216V108 0 47,800 SH   SOLE   23,900 0 23,900
Oracle Corp. (ORCL) COM 68389X105 451 12,348 SH   SOLE   6,174 0 6,174
PPL Corporation (PPL) COM 69351T106 596 17,472 SH   SOLE   8,736 0 8,736
PepsiCo Inc. (PEP) COM 713448108 2,832 28,342 SH   SOLE   14,171 0 14,171
Pfizer Inc (PFE) COM 717081103 1,722 53,345 SH   SOLE   26,672 0 26,672
Powershares Water Resource Por COM 73935X575 888 40,970 SH   SOLE   20,485 0 20,485
Procter & Gamble (PG) COM 742718109 1,934 24,354 SH   SOLE   12,177 0 12,177
Qualys (QLYS) COM 74758T303 613 18,530 SH   SOLE   9,265 0 9,265
SYNNEX Corp (SNX) COM 87162W100 670 7,450 SH   SOLE   3,725 0 3,725
Schlumberger Ltd (SLB) COM 806857108 1,707 24,476 SH   SOLE   12,238 0 12,238
Smith & Nephew (SNN) COM 83175M205 1,155 32,450 SH   SOLE   16,225 0 16,225
Sonoco Products (SON) COM 835495102 1,189 29,100 SH   SOLE   14,550 0 14,550
St. Jude Medical Inc. (STJ) COM 790849103 1,019 16,500 SH   SOLE   8,250 0 8,250
Standard Motor Products (SMP) COM 853666105 615 16,152 SH   SOLE   8,076 0 8,076
Starbucks Corp. (SBUX) COM 855244109 944 15,724 SH   SOLE   7,862 0 7,862
State Street Corp (STT) COM 857477103 1,115 16,800 SH   SOLE   8,400 0 8,400
Stryker Corp. (SYK) COM 863667101 416 4,480 SH   SOLE   2,240 0 2,240
Sysco Corp. (SYY) COM 871829107 1,390 33,910 SH   SOLE   16,955 0 16,955
T Rowe Price Group (TROW) COM 74144T108 562 7,862 SH   SOLE   3,931 0 3,931
TJX Cos Inc (TJX) COM 872540109 2,582 36,412 SH   SOLE   18,206 0 18,206
Taiwan Semiconductor ADRF Spon COM 874039100 639 28,100 SH   SOLE   14,050 0 14,050
Target Corporation (TGT) COM 87612E106 931 12,826 SH   SOLE   6,413 0 6,413
Tractor Supply Co (TSCO) COM 892356106 1,411 16,500 SH   SOLE   8,250 0 8,250
Trex Inc (TREX) COM 89531P105 479 12,600 SH   SOLE   6,300 0 6,300
Trinity Industries (TRN) COM 896522109 1,038 43,200 SH   SOLE   21,600 0 21,600
Tupperware Brands Corp (TUP) COM 899896104 427 7,680 SH   SOLE   3,840 0 3,840
Tyson Foods (TSN) COM 902494103 752 14,100 SH   SOLE   7,050 0 7,050
UBS AG (UBS) COM H89231338 507 26,200 SH   SOLE   13,100 0 13,100
US Bancorp (USB) COM 902973304 1,691 39,640 SH   SOLE   19,820 0 19,820
Unilever NV NY SHS NEWF (UN) COM 904784709 617 14,250 SH   SOLE   7,125 0 7,125
Union Pacific Corp. (UNP) COM 907818108 794 10,154 SH   SOLE   5,077 0 5,077
United Technologies (UTX) COM 913017109 1,944 20,234 SH   SOLE   10,117 0 10,117
Unitedhealth Group Inc. (UNH) COM 91324P102 641 5,450 SH   SOLE   2,725 0 2,725
Verisk Analytics (VRSK) COM 92345Y106 1,057 13,750 SH   SOLE   6,875 0 6,875
Verizon Communications (VZ) COM 92343V104 2,923 63,244 SH   SOLE   31,622 0 31,622
Visa Inc (V) COM 92826C839 563 7,254 SH   SOLE   3,627 0 3,627
WEC Energy Group (WEC) COM 92939U106 501 9,756 SH   SOLE   4,878 0 4,878
Wells Fargo & Co. (WFC) COM 949746101 1,968 36,200 SH   SOLE   18,100 0 18,100
Guggenheim Russell 1000 Equal ETF 78355W593 2,097 43,670 SH   SOLE   21,835 0 21,835
Guggenheim S&P 500 Equal Weigh ETF 78355W106 1,299 16,950 SH   SOLE   8,475 0 8,475
IShares S&P 100 Index (OEF) ETF 464287101 666 7,300 SH   SOLE   3,650 0 3,650
SPDR S&P Dividend ETF (SDY) ETF 78464A763 721 9,800 SH   SOLE   4,900 0 4,900
SPDR S&P Midcap 400 (MDY) ETF 78467Y107 12,987 51,120 SH   SOLE   25,560 0 25,560
Schwab Large Cap Growth ETF (S ETF 808524300 4,014 75,973 SH   SOLE   37,986 0 37,986
Schwab Large Cap US ETF (SCHX) ETF 808524201 832 17,138 SH   SOLE   8,569 0 8,569
Schwab US Broad Market ETF (SC ETF 808524102 2,794 56,970 SH   SOLE   28,485 0 28,485
Schwab US Mid Cap ETF (SCHM) ETF 808524508 4,051 101,100 SH   SOLE   50,550 0 50,550
Schwab US Small Cap ETF (SCHA) ETF 808524607 2,280 43,770 SH   SOLE   21,885 0 21,885
Vanguard Mid Cap ETF (VO) ETF 922908629 534 4,450 SH   SOLE   2,225 0 2,225
Vanguard Russell 1000 Growth E ETF 92206C680 428 4,200 SH   SOLE   2,100 0 2,100
Vanguard Russell 2000 ETF (VTW ETF 92206C664 428 4,750 SH   SOLE   2,375 0 2,375
Vanguard S&P 500 ETF (VOO) ETF 922908363 4,094 21,900 SH   SOLE   10,950 0 10,950
Vanguard Small Cap Growth (VBK ETF 922908595 6,874 56,600 SH   SOLE   28,300 0 28,300
iShares S&P US Preferred Stock ETF 464288687 1,912 49,220 SH   SOLE   24,610 0 24,610
Global X Norway ETF (NORW) ETF 37950E747 277 28,600 SH   SOLE   14,300 0 14,300
I Shares India 50 ETF (INDY) ETF 464289529 1,301 47,850 SH   SOLE   23,925 0 23,925
IShares S&P Global 100 ETF (IO ETF 464287572 1,755 24,100 SH   SOLE   12,050 0 12,050
Ishares MSCI Ireland ETF (EIRL ETF 46429B507 722 17,370 SH   SOLE   8,685 0 8,685
Schwab International Equity ET ETF 808524805 2,348 85,190 SH   SOLE   42,595 0 42,595
iShares MSCI Canada Index Fund ETF 464286509 1,419 66,014 SH   SOLE   33,007 0 33,007
iShares TR MSCI EAFE Fd (EFA) ETF 464287465 4,527 77,102 SH   SOLE   38,551 0 38,551