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 20,483,222 154,369 SH   SOLE 0.00 152,197 0 2,172
iShares MSCI All Country Asia ex Japan ETF Common Stock 464288182 69,893,111 779,970 SH   SOLE 0.00 774,302 0 5,668
Amazon.Com, Inc. Common Stock 023135106 39,236,235 12,047 SH   SOLE 0.00 11,876 0 171
American Express Co. Common Stock 025816109 40,561,556 335,469 SH   SOLE 0.00 330,657 0 4,812
Bank of America Corp Common Stock 060505104 38,264,465 1,262,437 SH   SOLE 0.00 1,244,593 0 17,844
Caterpillar Inc. Common Stock 149123101 42,487,654 233,423 SH   SOLE 0.00 230,083 0 3,340
Comcast Corp. Cl.A Common Stock 20030N101 40,849,782 779,576 SH   SOLE 0.00 768,376 0 11,200
Chevron Corp. Common Stock 166764100 32,078,585 379,853 SH   SOLE 0.00 374,514 0 5,339
Facebook Inc Common Stock 30303M102 35,559,695 130,179 SH   SOLE 0.00 128,320 0 1,859
SPDR Gold MiniSharesTrust Common Stock 98149E204 84,339 4,453 SH   SOLE 0.00 4,453 0 0
Alphabet Inc. Class A Common Stock 02079K305 39,097,893 22,308 SH   SOLE 0.00 22,025 0 283
Home Depot Inc. Common Stock 437076102 16,419,831 61,817 SH   SOLE 0.00 60,935 0 882
Honeywell Intl. Inc. Common Stock 438516106 43,779,190 205,826 SH   SOLE 0.00 202,836 0 2,990
iShares Int'l Select Divid ETF Common Stock 464288448 4,214 143 SH   SOLE 0.00 143 0 0
iShares Core MSCI EAFE Common Stock 46432F842 1,589 23 SH   SOLE 0.00 23 0 0
iShares Barclays 3 to 7 yr Trsy Bd Fd Common Stock 464288661 29,688,250 223,253 SH   SOLE 0.00 221,808 0 1,445
iShares Core MSCI EM IMI ETF Common Stock 46434G103 2,047 33 SH   SOLE 0.00 33 0 0
iShares Russell 2000 Index Common Stock 464287655 50,854,042 259,380 SH   SOLE 0.00 257,476 0 1,904
iShares Russell 3000 ETF Common Stock 464287689 74,665 334 SH   SOLE 0.00 334 0 0
Johnson & Johnson Common Stock 478160104 36,605,801 232,595 SH   SOLE 0.00 229,285 0 3,310
SPDR Barclays High Yield Bond ETF Common Stock 78468R622 4,030 37 SH   SOLE 0.00 37 0 0
JPMorgan Chase & Co. Common Stock 46625H100 41,314,904 325,135 SH   SOLE 0.00 320,505 0 4,630
iShares iBoxx $ Invest. Grade Corp Bd ETF Common Stock 464287242 30,430,439 220,302 SH   SOLE 0.00 218,882 0 1,420
Mastercard Inc. Common Stock 57636Q104 37,360,552 104,669 SH   SOLE 0.00 103,176 0 1,493
Medtronic Inc. Common Stock G5960L103 39,110,000 333,874 SH   SOLE 0.00 329,089 0 4,785
Global X MLP & Energy Infrastructure ETF Common Stock 37954Y293 1,617 60 SH   SOLE 0.00 60 0 0
Microsoft Corp Common Stock 594918104 37,018,917 166,437 SH   SOLE 0.00 164,048 0 2,389
Invesco Optimum Yield Dvsfd ETF Common Stock 46090F100 83,792 5,491 SH   SOLE 0.00 5,491 0 0
iShares US Preferred ETF Common Stock 464288687 6,007 156 SH   SOLE 0.00 156 0 0
Procter & Gamble Co Common Stock 742718109 35,496,840 255,116 SH   SOLE 0.00 251,485 0 3,631
PayPal Holdings, Inc. Common Stock 70450Y103 41,949,201 179,117 SH   SOLE 0.00 176,545 0 2,572
Qualcomm Inc. Common Stock 747525103 19,061,847 125,127 SH   SOLE 0.00 123,339 0 1,788
ishares Mortgage Real Estate ETF Common Stock 46435G342 2,962 93 SH   SOLE 0.00 93 0 0
SPDR Portfolio Short Term Corp. Bd. ETF Common Stock 78464A474 59,886,519 1,907,214 SH   SOLE 0.00 1,894,891 0 12,323
TJX Companies Common Stock 872540109 20,404,232 298,788 SH   SOLE 0.00 294,534 0 4,254
UnitedHealth Group, Inc. Common Stock 91324P102 37,371,616 106,569 SH   SOLE 0.00 105,052 0 1,517
Union Pacific Corp Common Stock 907818108 37,024,014 177,812 SH   SOLE 0.00 175,274 0 2,538
Vanguard Intermediate Term Corp Bond Common Stock 92206c870 87,536,836 901,141 SH   SOLE 0.00 895,318 0 5,823
Vanguard FTSE All-World ex-US ETF Common Stock 922042775 160,323,790 2,747,152 SH   SOLE 0.00 2,727,403 0 19,749
Vanguard FTSE Pacific ETF Common Stock 922042866 47,236,824 593,502 SH   SOLE 0.00 589,175 0 4,327
Communication Services Sel Sect SPDR Fd Common Stock 81369Y852 98,183,669 1,455,004 SH   SOLE 0.00 1,445,593 0 9,411
Energy Select Sector SPDR Common Stock 81369y506 31,525,409 831,805 SH   SOLE 0.00 826,464 0 5,341
Financial Select Sector SPDR Common Stock 81369Y605 107,634,044 3,651,087 SH   SOLE 0.00 3,627,521 0 23,566
Industrial Select Sector SPDR Common Stock 81369y704 103,586,055 1,169,803 SH   SOLE 0.00 1,162,285 0 7,518
Technology Select Sector SPDR Fund Common Stock 81369y803 129,409,312 995,303 SH   SOLE 0.00 988,863 0 6,440
Health Care Select Sector SPDR Fund Common Stock 81369y209 99,890,940 880,561 SH   SOLE 0.00 874,864 0 5,697
Consumer Discretionary Select Sect SPDR Fd Common Stock 81369y407 98,510,110 612,701 SH   SOLE 0.00 608,756 0 3,945
ISHARES CORE S&P 500 ETF Common Stock 464287200 62,314 166 SH   SOLE 0.00 166 0 0
ISHARES RUSSELL 1000 ETF Common Stock 464287622 215,864 1,019 SH   SOLE 0.00 1,019 0 0
CONS STAPLES SEL SECT SPDR FD Common Stock 81369Y308 101,984 1,512 SH   SOLE 0.00 1,512 0 0
ISHARES CORE GROWTH ALLOCATI Common Stock 464289867 197,211 3,778 SH   SOLE 0.00 3,778 0 0
ISHARES 0-5 YR TIPS Common Stock 46429B747 98,268 941 SH   SOLE 0.00 941 0 0
ISHARES MSCI ACWI ETF Common Stock 464288257 78,654 867 SH   SOLE 0.00 867 0 0
SPDR S&P 500 ETF TRUST Common Stock 78462F103 395,938 1,059 SH   SOLE 0.00 1,059 0 0
PEPSICO INC NC Common Stock 713448108 64,362 434 SH   SOLE 0.00 434 0 0