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
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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
Biogen, Inc. COMMON STOCK 09062X103 32,570,978 108,238 SH   SOLE 0.00 106,698 0 1,540
Bristol-Myers Squibb COMMON STOCK 110122108 32,782,954 630,684 SH   SOLE 0.00 622,818 0 7,866
Gilead Sciences, Inc. COMMON STOCK 375558103 27,885,227 445,807 SH   SOLE 0.00 440,001 0 5,806
Medtronic Inc. COMMON STOCK G5960L103 34,577,807 380,143 SH   SOLE 0.00 374,560 0 5,583
UnitedHealth Group, Inc. COMMON STOCK 91324P102 32,754,048 131,479 SH   SOLE 0.00 129,542 0 1,937
Starbucks Corp COMMON STOCK 855244109 34,292,162 532,487 SH   SOLE 0.00 524,409 0 8,078
TJX Companies COMMON STOCK 872540109 34,568,629 772,656 SH   SOLE 0.00 761,780 0 10,876
Kraft Heinz Co. COMMON STOCK 500754106 22,874,727 531,476 SH   SOLE 0.00 524,115 0 7,361
Procter & Gamble Co COMMON STOCK 742718109 34,972,434 380,466 SH   SOLE 0.00 374,633 0 5,833
Walmart Inc. COMMON STOCK 931142103 31,019,508 333,006 SH   SOLE 0.00 328,392 0 4,614
Bank of America Corp. COMMON STOCK 060505104 27,742,249 1,125,903 SH   SOLE 0.00 1,111,945 0 13,958
Goldman Sachs Group COMMON STOCK 38141G104 23,213,602 138,962 SH   SOLE 0.00 137,077 0 1,885
JPMorgan Chase & Co. COMMON STOCK 46625H100 31,406,208 321,719 SH   SOLE 0.00 317,022 0 4,697
Apple, Inc. COMMON STOCK 037833100 31,661,730 200,721 SH   SOLE 0.00 197,874 0 2,847
Mastercard Inc. COMMON STOCK 57636Q104 34,502,953 182,894 SH   SOLE 0.00 180,316 0 2,578
Microsoft Corp COMMON STOCK 594918104 33,454,110 329,370 SH   SOLE 0.00 324,538 0 4,832
PayPal Holdings, Inc. COMMON STOCK 70450Y103 36,231,942 430,871 SH   SOLE 0.00 424,823 0 6,048
AT&T, Inc. COMMON STOCK 00206R102 27,348,226 958,242 SH   SOLE 0.00 942,682 0 15,560
Alphabet Inc. Class A COMMON STOCK 02079K305 34,548,467 33,062 SH   SOLE 0.00 32,592 0 470
Disney, Walt Co. COMMON STOCK 254687106 34,002,903 310,104 SH   SOLE 0.00 305,485 0 4,619
Alerian MLP ETF COMMON STOCK 00162Q866 26,093 2,989 SH   SOLE 0.00 2,989 0 0
Communication Services Sel Sect SPDR Fd COMMON STOCK 81369Y852 12,807,656 310,263 SH   SOLE 0.00 303,935 0 6,328
Consumer Discretionary Select Sect SPDR Fd COMMON STOCK 81369y407 20,296,455 204,994 SH   SOLE 0.00 200,642 0 4,352
Consumer Staples Select Sector SPDR Fund COMMON STOCK 81369Y308 22,253,725 438,238 SH   SOLE 0.00 428,852 0 9,386
Health Care Select Sector SPDR Fund COMMON STOCK 81369y209 36,350,377 420,187 SH   SOLE 0.00 411,278 0 8,909
IPath Bbg Commodity ETN COMMON STOCK 06738c778 37,474 1,766 SH   SOLE 0.00 1,766 0 0
Invesco ETF Tr II Sr. Loan ETF COMMON STOCK 46138G508 2,330 107 SH   SOLE 0.00 107 0 0
SPDR Barclays High Yield Bond ETF COMMON STOCK 78464A417 2,787 83 SH   SOLE 0.00 83 0 0
SPDR Gold Trust ETF COMMON STOCK 78463v107 14,913 123 SH   SOLE 0.00 123 0 0
SPDR Interm Term Corp B COMMON STOCK 78464A375 2,444 74 SH   SOLE 0.00 74 0 0
SPDR Portfolio Short Term Corp. Bd. ETF COMMON STOCK 78464A474 14,640,233 485,741 SH   SOLE 0.00 473,833 0 11,908
SPDR S&P 500 ETF Trust COMMON STOCK 78462F103 32,443,114 129,814 SH   SOLE 0.00 127,477 0 2,337
Technology Select Sector SPDR Fund COMMON STOCK 81369y803 26,277,784 423,972 SH   SOLE 0.00 414,946 0 9,026
Vanguard FTSE All-World ex-US ETF COMMON STOCK 922042775 45,538,750 999,095 SH   SOLE 0.00 977,423 0 21,672
Vanguard FTSE Pacific ETF COMMON STOCK 922042866 9,978,606 164,582 SH   SOLE 0.00 161,141 0 3,441
iShares 0-5 Yr TIPS Bond ETF COMMON STOCK 46429B747 7,330,817 74,789 SH   SOLE 0.00 72,962 0 1,827
iShares Barclays 7-10 Yr Trsy Bond Fd COMMON STOCK 464287440 6,252 60 SH   SOLE 0.00 60 0 0
iShares Core MSCI EAFE COMMON STOCK 46432F842 2,145 39 SH   SOLE 0.00 39 0 0
iShares Core MSCI EM IMI ETF COMMON STOCK 46434G103 2,310 49 SH   SOLE 0.00 49 0 0
iShares Core MSCI Europe ETF COMMON STOCK 46434V738 10,149,738 245,578 SH   SOLE 0.00 240,354 0 5,224
iShares Floating Rate Bond ETF COMMON STOCK 46429B655 14,479,708 287,524 SH   SOLE 0.00 280,485 0 7,039
iShares Int'l Select Divid ETF COMMON STOCK 464288448 3,330 116 SH   SOLE 0.00 116 0 0
iShares MSCI ACWI ETF COMMON STOCK 464288257 439,752 6,854 SH   SOLE 0.00 6,854 0 0
iShares MSCI All Country Asia ex Japan ETF COMMON STOCK 464288182 5,257,234 82,752 SH   SOLE 0.00 81,092 0 1,660
iShares Russell 3000 ETF COMMON STOCK 464287689 53,331 363 SH   SOLE 0.00 363 0 0
iShares Core Growth Allocation COMMON STOCK 464289867 2,553,412 61,811 SH   SOLE 0.00 61,811 0 0
iShares U.S. Financial Srvcs COMMON STOCK 464287770 19,025,611 169,463 SH   SOLE 0.00 165,792 0 3,671
iShares US Preferred ETF COMMON STOCK 464288687 3,046 89 SH   SOLE 0.00 89 0 0
iShares iBoxx $ Invest. Grade Corp Bd ETF COMMON STOCK 464287242 14,334,006 127,052 SH   SOLE 0.00 123,916 0 3,136
ALLERGAN PLC SHS COMMON STOCK G0177J108 6,014 45 SH   SOLE 0.00 45 0 0
CELGENE CORP COMMON STOCK 151020104 192 3 SH   SOLE 0.00 3 0 0
HCA HEALTHCARE INC COMMON STOCK 40412C101 4,355 35 SH   SOLE 0.00 35 0 0
ISHARES RUSSELL 1000 ETF COMMON STOCK 464287622 3,189 23 SH   SOLE 0.00 23 0 0
KROGER CO COMMON STOCK 501044101 3,052 111 SH   SOLE 0.00 111 0 0
ISHARES CORE MODERATE ALLOCA COMMON STOCK 464289875 40,032 1,122 SH   SOLE 0.00 1,122 0 0
VANGUARD TTL WRLD STK INDX COMMON STOCK 922042742 3,978,593 60,779 SH   SOLE 0.00 59,429 0 1,350
ISHARES CORE S&P 500 ETF COMMON STOCK 464287200 1,644,271 6,535 SH   SOLE 0.00 6,508 0 27