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
3M Common 88579y101 11 56 SH   SOLE   0 0 56
AbbVie Common 00287y109 70 758 SH   SOLE   0 0 758
Adobe Systems Common 00724f101 1 6 SH   SOLE   0 0 6
Agilent Technologies Common 00846u101 1 15 SH   SOLE   0 0 15
Alibaba Common 01609w102 136 735 SH   SOLE   0 0 735
Allstate Common 020002101 42 458 SH   SOLE   0 0 458
Alphabet Common 02079k107 58 52 SH   SOLE   0 0 52
Alphabet Common 02079k305 148 131 SH   SOLE   0 0 131
Altria Group Common 02209s103 30 535 SH   SOLE   0 0 535
Amazon.com Common 023135106 78 46 SH   SOLE   0 0 46
American Airlines Common 02376r102 7 193 SH   SOLE   0 0 193
American Express Common 025816109 10 100 SH   SOLE   0 0 100
American Tower Common 03027x100 2 15 SH   SOLE   0 0 15
Amgen Common 031162100 3 16 SH   SOLE   0 0 16
AON PLC Common g0408v102 2 15 SH   SOLE   0 0 15
Apple Common 037833100 104 563 SH   SOLE   0 0 563
Applied Materials Common 038222105 1 25 SH   SOLE   0 0 25
AT&T Common 00206r102 55 1,714 SH   SOLE   0 0 1,714
Auto Data Processing Common 053015103 8 60 SH   SOLE   0 0 60
Bank of America Common 060505104 3 100 SH   SOLE   0 0 100
BlackRock Common 09247x101 7 15 SH   SOLE   0 0 15
Boeing Common 097023105 19 58 SH   SOLE   0 0 58
Booking Holdings Common 09857l108 4 2 SH   SOLE   0 0 2
Caterpillar Common 149123101 10 75 SH   SOLE   0 0 75
Cheniere Energy Common 16411r208 4 61 SH   SOLE   0 0 61
Chevron Common 166764100 668 5,280 SH   SOLE   0 0 5,280
Chubb Common h1467j104 9 67 SH   SOLE   0 0 67
Cigna Common 125509109 2 9 SH   SOLE   0 0 9
Cimarex Energy Common 171798101 23 225 SH   SOLE   0 0 225
Cisco Systems Common 17275r102 12 290 SH   SOLE   0 0 290
Citigroup Common 172967424 4 62 SH   SOLE   0 0 62
CME Group Common 12572q105 10 59 SH   SOLE   0 0 59
Coca-Cola Common 191216100 370 8,445 SH   SOLE   0 0 8,445
Comcast Corp. Class A Common 20030n101 13 396 SH   SOLE   0 0 396
Consolidated Edison Common 209115104 85 1,095 SH   SOLE   0 0 1,095
Costco Common 22160k105 13 60 SH   SOLE   0 0 60
Danaher Common 235851102 2 22 SH   SOLE   0 0 22
Disney Common 254687106 105 998 SH   SOLE   0 0 998
Electronic Arts Common 285512109 2 15 SH   SOLE   0 0 15
Enterprise Products Partners Common 293792107 353 12,773 SH   SOLE   0 0 12,773
Equinix Common 29444u700 2 5 SH   SOLE   0 0 5
Estee Lauder Common 518439104 2 12 SH   SOLE   0 0 12
Eversource Energy Common 30040w108 7 115 SH   SOLE   0 0 115
Exxon Mobil Common 30231g102 422 5,095 SH   SOLE   0 0 5,095
Facebook Common 30303M102 20 105 SH   SOLE   0 0 105
Fortune Brands H&S Common 34964C106 46 850 SH   SOLE   0 0 850
Frontier Communications Common 35906A306 0 10 SH   SOLE   0 0 10
General Dynamics Common 369550108 4 23 SH   SOLE   0 0 23
Gold Trust Common 26922Y105 29 240 SH   SOLE   0 0 240
Halliburton Common 406216101 29 652 SH   SOLE   0 0 652
Home Depot Common 437076102 17 88 SH   SOLE   0 0 88
Honeywell Common 438516106 15 107 SH   SOLE   0 0 107
ING Group Common 04930a104 1 79 SH   SOLE   0 0 79
Ingersoll-Rand Common g47791101 2 23 SH   SOLE   0 0 23
Intel Common 458140100 144 2,896 SH   SOLE   0 0 2,896
Invesco Financial Preferred Common 73935X229 101 5,465 SH   SOLE   0 0 5,465
Invesco Preferred Common 73936T565 101 6,965 SH   SOLE   0 0 6,965
Invesco Variable Rate Pref. Common 73937B597 99 4,000 SH   SOLE   0 0 4,000
iShares ACWI Low Carbon Common 46434v464 27 230 SH   SOLE   0 0 230
iShares Core Conservative Common 464289883 8 233 SH   SOLE   0 0 233
iShares Core High Dividend Common 46429b663 9 110 SH   SOLE   0 0 110
iShares Core S&P 500 Common 464287200 65 238 SH   SOLE   0 0 238
iShares Emerging Markets Common 464287234 130 3,010 SH   SOLE   0 0 3,010
iShares Inv.-Grade Corporate Common 464287242 33 290 SH   SOLE   0 0 290
iShares KLD 400 Social Common 464288570 56 555 SH   SOLE   0 0 555
iShares Preferred Common 464288687 14,150 375,243 SH   SOLE   0 0 375,243
iShares Russell 1000 Gr. Common 464287614 252 1,750 SH   SOLE   0 0 1,750
iShares Select Dividend Common 464287168 105 1,075 SH   SOLE   0 0 1,075
iShares USA Momentum Common 46432F396 375 3,415 SH   SOLE   0 0 3,415
Johnson & Johnson Common 478160104 47 386 SH   SOLE   0 0 386
JP Morgan Chase Common 46625h100 94 905 SH   SOLE   0 0 905
Kimberly-Clark Common 494368103 21 199 SH   SOLE   0 0 199
Kraft Heinz Common 500754106 16 259 SH   SOLE   0 0 259
Lam Research Common 512807108 3 18 SH   SOLE   0 0 18
Lockheed Martin Common 539830109 305 1,032 SH   SOLE   0 0 1,032
Marsh & McLennan Common 571748102 8 97 SH   SOLE   0 0 97
Mastercard Common 57636q104 5 27 SH   SOLE   0 0 27
McDonald's Common 580135101 29 188 SH   SOLE   0 0 188
Merck Common 58933y105 11 177 SH   SOLE   0 0 177
MetLife Common 59156r108 2 41 SH   SOLE   0 0 41
Microsoft Common 594918104 185 1,878 SH   SOLE   0 0 1,878
Mondelez Common 609207105 32 780 SH   SOLE   0 0 780
Morgan Stanley Common 617446448 18 384 SH   SOLE   0 0 384
Netflix Common 64110l106 121 310 SH   SOLE   0 0 310
Nike Common 654106103 4 45 SH   SOLE   0 0 45
Northern Trust Common 665859104 2 23 SH   SOLE   0 0 23
Northrop Grumman Common 666807102 2 6 SH   SOLE   0 0 6
Nvidia Common 67066g104 2 7 SH   SOLE   0 0 7
Occidental Petroleum Common 674599105 44 520 SH   SOLE   0 0 520
Oracle Common 68389x105 33 749 SH   SOLE   0 0 749
PacWest Bancorp Common 695263103 128 2,586 SH   SOLE   0 0 2,586
Paypal Common 70450y103 2 19 SH   SOLE   0 0 19
PepsiCo Common 713448108 14 127 SH   SOLE   0 0 127
Pfizer Common 717081103 10 266 SH   SOLE   0 0 266
Philips Electronics Common n6817p109 3 65 SH   SOLE   0 0 65
Phillips 66 Common 718546104 18 163 SH   SOLE   0 0 163
Plains All American Pipeline Common 726503105 162 6,845 SH   SOLE   0 0 6,845
PNC Financial Common 693475105 23 167 SH   SOLE   0 0 167
Procter & Gamble Common 742718109 558 7,148 SH   SOLE   0 0 7,148
Prudential Financial Common 744320102 16 172 SH   SOLE   0 0 172
Raytheon Common 755111507 41 213 SH   SOLE   0 0 213
Royal Dutch Shell Cl. A Common 780259206 81 1,170 SH   SOLE   0 0 1,170
Royal Dutch Shell Cl. B Common 780259107 25 344 SH   SOLE   0 0 344
Salesforce.com Common 79466l302 3 19 SH   SOLE   0 0 19
Shire Common 82481R106 55 325 SH   SOLE   0 0 325
Snap, Inc. Common 83304A106 13 1,000 SH   SOLE   0 0 1,000
Southern Common 842587107 22 485 SH   SOLE   0 0 485
Southwest Airlines Common 844741108 2 37 SH   SOLE   0 0 37
SPDR Int-Term Corporate Common 78464a375 29 880 SH   SOLE   0 0 880
SPDR Large Cap Common 78464A854 46,231 1,450,171 SH   SOLE   0 0 1,450,171
SPDR NYSE Technology Common 78464a102 14,569 156,056 SH   SOLE   0 0 156,056
SPDR S&P 500 Common 78462f103 14 50 SH   SOLE   0 0 50
SPDR S&P 500 Growth Common 78464A409 760 21,625 SH   SOLE   0 0 21,625
SPDR Technology Common 81369Y803 18,917 272,300 SH   SOLE   0 0 272,300
SPDR Total Stock Market Common 78464A805 11,928 350,919 SH   SOLE   0 0 350,919
Starbucks Common 855244109 440 9,000 SH   SOLE   0 0 9,000
Stryker Common 863667101 11 65 SH   SOLE   0 0 65
Sysco Common 871829107 56 820 SH   SOLE   0 0 820
Teradyne Common 880770102 2 44 SH   SOLE   0 0 44
Texas Instruments Common 882508104 12 110 SH   SOLE   0 0 110
Total Common 89151E109 45 747 SH   SOLE   0 0 747
Union Pacific Common 907818108 2 17 SH   SOLE   0 0 17
United Healthcare Common 91324p102 3 11 SH   SOLE   0 0 11
UnumProvident Common 91529y106 2 43 SH   SOLE   0 0 43
UPS Common 911312106 238 2,236 SH   SOLE   0 0 2,236
US Bancorp Common 902973304 5 90 SH   SOLE   0 0 90
Vanguard Dividend Appr. Common 921908844 367 3,612 SH   SOLE   0 0 3,612
Vanguard High Dividend Common 921946406 5,348 64,394 SH   SOLE   0 0 64,394
Vanguard Info. Technology Common 92204A702 28,200 155,455 SH   SOLE   0 0 155,455
Vanguard Int.-Term Bond Common 921937819 33 411 SH   SOLE   0 0 411
Vanguard Mega-Cap Growth Common 921910816 105 885 SH   SOLE   0 0 885
Verizon Common 92343v104 94 1,865 SH   SOLE   0 0 1,865
Visa Common 92826c839 16 124 SH   SOLE   0 0 124
Vodafone Common 92857w308 23 964 SH   SOLE   0 0 964
Waste Management Common 94106l109 70 859 SH   SOLE   0 0 859
Wells Fargo Common 949746101 43 774 SH   SOLE   0 0 774
Xylem Common 98419m100 2 23 SH   SOLE   0 0 23