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 12 56 SH   SOLE   0 0 56
AbbVie Common 00287y109 72 758 SH   SOLE   0 0 758
Adobe Systems Common 00724f101 2 6 SH   SOLE   0 0 6
Agilent Technologies Common 00846u101 1 15 SH   SOLE   0 0 15
Alibaba Common 01609w102 121 735 SH   SOLE   0 0 735
Allstate Common 020002101 45 458 SH   SOLE   0 0 458
Alphabet Common 02079k107 62 52 SH   SOLE   0 0 52
Alphabet Common 02079k305 158 131 SH   SOLE   0 0 131
Altria Group Common 02209s103 32 535 SH   SOLE   0 0 535
Amazon.com Common 023135106 92 46 SH   SOLE   0 0 46
American Airlines Common 02376r102 8 193 SH   SOLE   0 0 193
American Express Common 025816109 11 100 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 127 563 SH   SOLE   0 0 563
Applied Materials Common 038222105 1 25 SH   SOLE   0 0 25
Auto Data Processing Common 053015103 9 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 22 58 SH   SOLE   0 0 58
Booking Holdings Common 09857l108 4 2 SH   SOLE   0 0 2
Caterpillar Common 149123101 11 75 SH   SOLE   0 0 75
Cheniere Energy Common 16411r208 4 61 SH   SOLE   0 0 61
Chevron Common 166764100 646 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 21 225 SH   SOLE   0 0 225
Cisco Systems Common 17275r102 14 290 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 379 8,205 SH   SOLE   0 0 8,205
Comcast Corp. Class A Common 20030n101 14 396 SH   SOLE   0 0 396
Consolidated Edison Common 209115104 83 1,095 SH   SOLE   0 0 1,095
Costco Common 22160k105 14 60 SH   SOLE   0 0 60
Danaher Common 235851102 2 22 SH   SOLE   0 0 22
Disney Common 254687106 117 998 SH   SOLE   0 0 998
Electronic Arts Common 285512109 2 15 SH   SOLE   0 0 15
Enterprise Products Partners Common 293792107 367 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 108 1,269 SH   SOLE   0 0 1,269
Facebook Common 30303M102 17 105 SH   SOLE   0 0 105
Fortune Brands H&S Common 34964C106 45 850 SH   SOLE   0 0 850
Frontier Communications Common 35906A306 0 10 SH   SOLE   0 0 10
General Dynamics Common 369550108 5 23 SH   SOLE   0 0 23
Gold Trust Common 26922Y105 28 240 SH   SOLE   0 0 240
Home Depot Common 437076102 18 88 SH   SOLE   0 0 88
Honeywell Common 438516106 18 107 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 137 2,896 SH   SOLE   0 0 2,896
Invesco Financial Preferred Common 73935X229 116 6,365 SH   SOLE   0 0 6,365
Invesco Preferred Common 73936T565 171 11,915 SH   SOLE   0 0 11,915
Invesco Variable Rate Pref. Common 73937B597 149 6,000 SH   SOLE   0 0 6,000
iShares ACWI Low Carbon Common 46434v464 28 230 SH   SOLE   0 0 230
iShares Core Conservative Common 464289883 8 233 SH   SOLE   0 0 233
iShares Core High Dividend Common 46429b663 10 110 SH   SOLE   0 0 110
iShares Core S&P 500 Common 464287200 70 238 SH   SOLE   0 0 238
iShares Emerging Markets Common 464287234 129 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 59 555 SH   SOLE   0 0 555
iShares Preferred Common 464288687 13,742 370,093 SH   SOLE   0 0 370,093
iShares Russell 1000 Gr. Common 464287614 273 1,750 SH   SOLE   0 0 1,750
iShares Select Dividend Common 464287168 107 1,075 SH   SOLE   0 0 1,075
iShares USA Momentum Common 46432F396 406 3,415 SH   SOLE   0 0 3,415
Johnson & Johnson Common 478160104 53 386 SH   SOLE   0 0 386
JP Morgan Chase Common 46625h100 102 905 SH   SOLE   0 0 905
Kimberly-Clark Common 494368103 23 199 SH   SOLE   0 0 199
Kraft Heinz Common 500754106 14 259 SH   SOLE   0 0 259
Lam Research Common 512807108 3 18 SH   SOLE   0 0 18
Lockheed Martin Common 539830109 357 1,032 SH   SOLE   0 0 1,032
Marsh & McLennan Common 571748102 8 97 SH   SOLE   0 0 97
Mastercard Common 57636q104 6 27 SH   SOLE   0 0 27
McDonald's Common 580135101 31 188 SH   SOLE   0 0 188
Merck Common 58933y105 13 177 SH   SOLE   0 0 177
MetLife Common 59156r108 2 41 SH   SOLE   0 0 41
Microsoft Common 594918104 215 1,878 SH   SOLE   0 0 1,878
Mondelez Common 609207105 34 780 SH   SOLE   0 0 780
Morgan Stanley Common 617446448 18 384 SH   SOLE   0 0 384
Netflix Common 64110l106 116 310 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
Oracle Common 68389x105 39 749 SH   SOLE   0 0 749
PacWest Bancorp Common 695263103 123 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 12 266 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 171 6,845 SH   SOLE   0 0 6,845
PNC Financial Common 693475105 23 167 SH   SOLE   0 0 167
Procter & Gamble Common 742718109 596 7,156 SH   SOLE   0 0 7,156
Prudential Financial Common 744320102 17 172 SH   SOLE   0 0 172
Raytheon Common 755111507 44 213 SH   SOLE   0 0 213
Royal Dutch Shell Cl. A Common 780259206 80 1,170 SH   SOLE   0 0 1,170
Royal Dutch Shell Cl. B Common 780259107 24 344 SH   SOLE   0 0 344
Salesforce.com Common 79466l302 3 19 SH   SOLE   0 0 19
Shire Common 82481R106 59 325 SH   SOLE   0 0 325
Snap, Inc. Common 83304A106 8 1,000 SH   SOLE   0 0 1,000
Southern Common 842587107 21 485 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 49,085 1,440,707 SH   SOLE   0 0 1,440,707
SPDR NYSE Technology Common 78464a102 14,589 154,484 SH   SOLE   0 0 154,484
SPDR S&P 500 Common 78462f103 15 50 SH   SOLE   0 0 50
SPDR S&P 500 Growth Common 78464A409 1,058 27,675 SH   SOLE   0 0 27,675
SPDR Technology Common 81369Y803 20,589 273,321 SH   SOLE   0 0 273,321
SPDR Total Stock Market Common 78464A805 13,012 359,442 SH   SOLE   0 0 359,442
Starbucks Common 855244109 512 9,000 SH   SOLE   0 0 9,000
Stryker Common 863667101 12 65 SH   SOLE   0 0 65
Sysco Common 871829107 60 820 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
Union Pacific Common 907818108 3 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 261 2,236 SH   SOLE   0 0 2,236
US Bancorp Common 902973304 5 90 SH   SOLE   0 0 90
Vanguard Dividend Appr. Common 921908844 400 3,612 SH   SOLE   0 0 3,612
Vanguard High Dividend Common 921946406 5,608 64,394 SH   SOLE   0 0 64,394
Vanguard Info. Technology Common 92204A702 31,875 157,359 SH   SOLE   0 0 157,359
Vanguard Int.-Term Bond Common 921937819 33 411 SH   SOLE   0 0 411
Vanguard Mega-Cap Growth Common 921910816 113 885 SH   SOLE   0 0 885
Verizon Common 92343v104 100 1,865 SH   SOLE   0 0 1,865
Visa Common 92826c839 19 124 SH   SOLE   0 0 124
Vodafone Common 92857w308 21 964 SH   SOLE   0 0 964
Waste Management Common 94106l109 78 859 SH   SOLE   0 0 859
Wells Fargo Common 949746101 41 774 SH   SOLE   0 0 774
Xylem Common 98419m100 2 23 SH   SOLE   0 0 23