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
Apple, Inc. Common Stock 037833100 36,736,669 317,215 SH   SOLE 0.00 303,596 0 13,619
iShares MSCI All Country Asia ex Japan ETF Common Stock 464288182 55,437,307 718,379 SH   SOLE 0.00 707,739 0 10,640
Amazon.Com, Inc. Common Stock 023135106 38,638,065 12,271 SH   SOLE 0.00 11,765 0 506
American Express Co. Common Stock 025816109 34,949,957 348,628 SH   SOLE 0.00 333,642 0 14,986
Bank of America Corp Common Stock 060505104 30,958,637 1,285,124 SH   SOLE 0.00 1,230,522 0 54,602
Caterpillar Inc. Common Stock 149123101 36,562,034 245,136 SH   SOLE 0.00 234,624 0 10,512
Comcast Corp. Cl.A Common Stock 20030N101 37,467,084 809,924 SH   SOLE 0.00 774,942 0 34,982
Chevron Corp. Common Stock 166764100 27,899,928 387,499 SH   SOLE 0.00 370,802 0 16,697
Facebook Inc Common Stock 30303M102 35,253,049 134,605 SH   SOLE 0.00 128,834 0 5,771
SPDR Gold MiniSharesTrust Common Stock 98149E204 75,444 4,013 SH   SOLE 0.00 4,013 0 0
Alphabet Inc. Class A Common Stock 02079K305 34,171,929 23,316 SH   SOLE 0.00 22,334 0 982
Home Depot Inc. Common Stock 437076102 17,594,872 63,357 SH   SOLE 0.00 60,624 0 2,733
Honeywell Intl. Inc. Common Stock 438516106 35,754,773 217,209 SH   SOLE 0.00 207,831 0 9,378
iShares Int'l Select Divid ETF Common Stock 464288448 3,365 135 SH   SOLE 0.00 135 0 0
iShares Barclays 7-10 Yr Trsy Bond Fd Common Stock 464287440 21,318 175 SH   SOLE 0.00 175 0 0
iShares Core MSCI EAFE Common Stock 46432F842 1,326 22 SH   SOLE 0.00 22 0 0
iShares Barclays 3 to 7 yr Trsy Bd Fd Common Stock 464288661 28,324,219 212,023 SH   SOLE 0.00 208,424 0 3,599
iShares Core MSCI EM IMI ETF Common Stock 46434G103 1,689 32 SH   SOLE 0.00 32 0 0
iShares Russell 2000 Index Common Stock 464287655 36,081,714 240,882 SH   SOLE 0.00 237,322 0 3,560
iShares Russell 3000 ETF Common Stock 464287689 64,192 328 SH   SOLE 0.00 328 0 0
Johnson & Johnson Common Stock 478160104 35,580,384 238,987 SH   SOLE 0.00 228,666 0 10,321
SPDR Barclays High Yield Bond ETF Common Stock 78468R622 3,336 32 SH   SOLE 0.00 32 0 0
JPMorgan Chase & Co. Common Stock 46625H100 32,435,577 336,923 SH   SOLE 0.00 322,495 0 14,428
iShares iBoxx $ Invest. Grade Corp Bd ETF Common Stock 464287242 28,197,613 209,320 SH   SOLE 0.00 205,769 0 3,551
Mastercard Inc. Common Stock 57636Q104 36,538,930 108,049 SH   SOLE 0.00 103,391 0 4,658
Medtronic Inc. Common Stock G5960L103 35,934,808 345,793 SH   SOLE 0.00 330,873 0 14,920
Global X MLP & Energy Infrastructure ETF Common Stock 37954Y293 1,258 57 SH   SOLE 0.00 57 0 0
Microsoft Corp Common Stock 594918104 36,247,220 172,335 SH   SOLE 0.00 164,919 0 7,416
Invesco Optimum Yield Dvsfd ETF Common Stock 46090F100 76,387 5,588 SH   SOLE 0.00 5,588 0 0
iShares US Preferred ETF Common Stock 464288687 5,139 141 SH   SOLE 0.00 141 0 0
Procter & Gamble Co Common Stock 742718109 36,710,455 264,123 SH   SOLE 0.00 252,729 0 11,394
PayPal Holdings, Inc. Common Stock 70450Y103 36,711,417 186,324 SH   SOLE 0.00 178,333 0 7,991
ishares Mortgage Real Estate ETF Common Stock 46435G342 2,421 94 SH   SOLE 0.00 94 0 0
SPDR Portfolio Short Term Corp. Bd. ETF Common Stock 78464A474 56,793,662 1,810,445 SH   SOLE 0.00 1,779,791 0 30,654
iShares 0-5 Yr TIPS Bond ETF Common Stock 46429B747 28,304,039 271,997 SH   SOLE 0.00 267,381 0 4,616
TJX Companies Common Stock 872540109 17,226,290 309,547 SH   SOLE 0.00 296,308 0 13,239
UnitedHealth Group, Inc. Common Stock 91324P102 34,367,030 110,232 SH   SOLE 0.00 105,505 0 4,727
Union Pacific Corp Common Stock 907818108 36,151,238 183,630 SH   SOLE 0.00 175,728 0 7,902
Vanguard Intermediate Term Corp Bond Common Stock 92206c870 56,472,369 589,481 SH   SOLE 0.00 579,490 0 9,991
Vanguard FTSE All-World ex-US ETF Common Stock 922042775 127,751,104 2,532,232 SH   SOLE 0.00 2,495,129 0 37,103
Vanguard FTSE Pacific ETF Common Stock 922042866 37,249,992 547,391 SH   SOLE 0.00 539,321 0 8,070
Communication Services Sel Sect SPDR Fd Common Stock 81369Y852 79,111,854 1,331,849 SH   SOLE 0.00 1,309,789 0 22,060
Energy Select Sector SPDR Common Stock 81369y506 11,617,365 387,892 SH   SOLE 0.00 381,439 0 6,453
Financial Select Sector SPDR Common Stock 81369Y605 80,775,788 3,355,869 SH   SOLE 0.00 3,300,313 0 55,556
Industrial Select Sector SPDR Common Stock 81369y704 82,729,452 1,074,687 SH   SOLE 0.00 1,056,866 0 17,821
Technology Select Sector SPDR Fund Common Stock 81369y803 106,151,902 909,613 SH   SOLE 0.00 894,532 0 15,081
Consumer Staples Select Sector SPDR Fund Common Stock 81369Y308 27,525,576 429,416 SH   SOLE 0.00 422,299 0 7,117
Health Care Select Sector SPDR Fund Common Stock 81369y209 95,681,931 907,109 SH   SOLE 0.00 892,052 0 15,057
Consumer Discretionary Select Sect SPDR Fd Common Stock 81369y407 55,061,798 374,621 SH   SOLE 0.00 368,411 0 6,210
ISHARES CORE S&P 500 ETF Common Stock 464287200 84,351 251 SH   SOLE 0.00 251 0 0
ISHARES RUSSELL 1000 ETF Common Stock 464287622 190,705 1,019 SH   SOLE 0.00 1,019 0 0
PEPSICO INC NC Common Stock 713448108 60,152 434 SH   SOLE 0.00 434 0 0
SPDR S&P 500 ETF TRUST Common Stock 78462F103 565,629 1,689 SH   SOLE 0.00 1,638 0 51
ISHARES CORE GROWTH ALLOCATI Common Stock 464289867 69,220 1,429 SH   SOLE 0.00 1,429 0 0
ISHARES MSCI ACWI ETF Common Stock 464288257 64,815 811 SH   SOLE 0.00 811 0 0