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
Alphabet Inc Class C CAP STK CL C 02079K107 444 215 SH   SOLE NONE 215 0 0
Alphabet Inc Class A CAP STK CL A 02079K305 558 271 SH   SOLE NONE 271 0 0
Amazon.com COM 023135106 383 124 SH   SOLE NONE 124 0 0
American Tower COM 03027X100 290 1,216 SH   SOLE NONE 1,216 0 0
Amgen Inc COM 031162100 205 826 SH   SOLE NONE 826 0 0
Apple Inc COM 037833100 1,290 10,568 SH   SOLE NONE 10,568 0 0
Aspen Technology Inc. COM 045327103 389 2,698 SH   SOLE NONE 2,698 0 0
Becton Dickinson & Company COM 075887109 348 1,435 SH   SOLE NONE 1,435 0 0
Berkshire Hathaway Class B CL B NEW 084670702 362 1,418 SH   SOLE NONE 1,418 0 0
Booking Holdings Inc COM 09857L108 219 94 SH   SOLE NONE 94 0 0
CDW Corporation COM 12514G108 213 1,290 SH   SOLE NONE 1,290 0 0
Cisco Systems COM 17275R102 233 4,518 SH   SOLE NONE 4,518 0 0
Clearside Biiomedical Inc COM 185063104 61 25,000 SH   SOLE NONE 25,000 0 0
Comcast Corp. Cl A CL A 20030N101 295 5,458 SH   SOLE NONE 5,458 0 0
Cooper Companies COM NEW 216648402 381 994 SH   SOLE NONE 994 0 0
Danaher Corp. COM 235851102 327 1,453 SH   SOLE NONE 1,453 0 0
Disney, Walt Co. COM 254687106 292 1,583 SH   SOLE NONE 1,583 0 0
Dollar General Corp. COM 256677105 264 1,304 SH   SOLE NONE 1,304 0 0
Duke Energy Corp. COM NEW 26441C204 482 4,998 SH   SOLE NONE 4,998 0 0
Netlease Corp Real Estate NETLEASE CORP 26922A248 2,941 106,990 SH   SOLE NONE 106,990 0 0
Ecolabs Inc. COM 278865100 212 990 SH   SOLE NONE 990 0 0
Edwards Lifesciences Corp. COM 28176E108 381 4,564 SH   SOLE NONE 4,564 0 0
Emerson Electric COM 291011104 240 2,661 SH   SOLE NONE 2,661 0 0
Facebook CL A 30303M102 265 902 SH   SOLE NONE 902 0 0
Fidelity MSCI Real Estate MSCI RL EST ETF 316092857 892 32,471 SH   SOLE NONE 32,471 0 0
First Republic Bank of CA COM 33616C100 309 1,858 SH   SOLE NONE 1,858 0 0
Fortune Brands Home & Security COM 34964C106 355 3,708 SH   SOLE NONE 3,708 0 0
Global X US Infrastructure Dev US INFR DEV ETF 37954Y673 2,029 80,988 SH   SOLE NONE 80,988 0 0
Golub Capital Inc COM 38173M102 2,323 158,897 SH   SOLE NONE 158,897 0 0
Henry Jack and Associates Inc COM 426281101 275 1,813 SH   SOLE NONE 1,813 0 0
Illinois Tool Works COM 452308109 448 2,024 SH   SOLE NONE 2,024 0 0
IQ Merger Arbitrage IQ MRGR ARB ETF 45409B800 2,639 80,094 SH   SOLE NONE 80,094 0 0
Int'l Business Machines Corp. COM 459200101 899 6,751 SH   SOLE NONE 6,751 0 0
Invesco S&P 500 Eql Wt Tech S&P500 EQL TEC 46137V282 1,253 4,645 SH   SOLE NONE 4,645 0 0
Invesco S&P 500 Buywrite S&P500 BUY WRT 46137V399 2,788 128,724 SH   SOLE NONE 128,724 0 0
Ishares Inc MSCI EM Asia MSCI EM ASIA ETF 464286426 704 7,760 SH   SOLE NONE 7,760 0 0
iShares Select Dividend SELECT DIVID ETF 464287168 895 7,848 SH   SOLE NONE 7,848 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200 15,984 40,179 SH   SOLE NONE 40,179 0 0
iShares S&P Mid Cap Index CORE S&P MCP ETF 464287507 5,714 21,953 SH   SOLE NONE 21,953 0 0
iShares US Technology U.S. TECH ETF 464287721 702 8,005 SH   SOLE NONE 8,005 0 0
iShares S&P Small Cap Index CORE S&P SCP ETF 464287804 3,487 32,135 SH   SOLE NONE 32,135 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273 578 8,049 SH   SOLE NONE 8,049 0 0
iShares JP Morgan USD Emg Mkt Bd JPMORGAN USD EMG 464288281 291 2,680 SH   SOLE NONE 2,680 0 0
Ishares S&p Global Infrastructure Index GLB INFRASTR ETF 464288372 2,198 48,775 SH   SOLE NONE 48,775 0 0
iShares US Preferred Stock PFD AND INCM SEC 464288687 466 12,151 SH   SOLE NONE 12,151 0 0
iShares Russell RUS TP200 GR ETF 464289438 203 1,512 SH   SOLE NONE 1,512 0 0
Ishares A RATE CP BD ETF 46429B291 8,410 151,735 SH   SOLE NONE 151,735 0 0
iShares Core MSCI EAFE CORE MSCI EAFE 46432F842 3,478 48,280 SH   SOLE NONE 48,280 0 0
iShares Core MSCI Emerging Mkt CORE MSCI EMKT 46434G103 3,320 51,588 SH   SOLE NONE 51,588 0 0
Ishares 0-5YR INVT GR CP 46434V100 9,366 180,885 SH   SOLE NONE 180,885 0 0
iShares 0-5YR HI YL CP 46434V407 2,704 59,039 SH   SOLE NONE 59,039 0 0
JPMorgan Chase & Co. COM 46625H100 279 1,835 SH   SOLE NONE 1,835 0 0
JPMorgan Alerian MLP Index ALERIAN ML ETN 46625H365 1,915 115,446 SH   SOLE NONE 115,446 0 0
Lowe's Cos. COM 548661107 619 3,256 SH   SOLE NONE 3,256 0 0
MarketAxess Holdings Inc COM 57060D108 211 424 SH   SOLE NONE 424 0 0
Microsoft Corporation COM 594918104 1,411 5,985 SH   SOLE NONE 5,985 0 0
Morgan Stanley COM NEW 617446448 318 4,106 SH   SOLE NONE 4,106 0 0
NextEra Energy COM 65339F101 265 3,508 SH   SOLE NONE 3,508 0 0
Nordson COM 655663102 345 1,740 SH   SOLE NONE 1,740 0 0
Ptc Inc COM 69370C100 576 4,187 SH   SOLE NONE 4,187 0 0
PepsiCo, Inc. COM 713448108 282 1,998 SH   SOLE NONE 1,998 0 0
Procter & Gamble COM 742718109 246 1,818 SH   SOLE NONE 1,818 0 0
Progressive Corp COM 743315103 374 3,921 SH   SOLE NONE 3,921 0 0
Prospect Note NOTE 4.950% 7/1 74348TAR3 13 13,000 SH   SOLE NONE 13,000 0 0
Raytheon Technologies Corp COM 75513E101 380 4,928 SH   SOLE NONE 4,928 0 0
SPDR S & P Emerging Asia ASIA PACIF ETF 78463X301 1,145 8,722 SH   SOLE NONE 8,722 0 0
SPDR Ser Tr Wells Fargo PFD Stock WELLS FG PFD ETF 78464A292 1,000 23,044 SH   SOLE NONE 23,044 0 0
SPDR Doubleline Tot Ret Bd Fd SPDR TR TACTIC 78467V848 2,301 47,739 SH   SOLE NONE 47,739 0 0
SPDR Nuveen Blmbg Barclays ST Muni Bd NUVEEN BLMBRG SR 78468R739 305 6,155 SH   SOLE NONE 6,155 0 0
SVB Finl Group COM 78486Q101 390 792 SH   SOLE NONE 792 0 0
Schwab US Large Cap US LRG CAP ETF 808524201 29,976 312,152 SH   SOLE NONE 312,152 0 0
Schwab US Mid-Cap US MID-CAP ETF 808524508 8,620 115,823 SH   SOLE NONE 115,823 0 0
Schwab US Small-Cap US SML CAP ETF 808524607 4,955 49,721 SH   SOLE NONE 49,721 0 0
Schwab Emerging Mkts EMRG MKTEQ ETF 808524706 4,743 149,269 SH   SOLE NONE 149,269 0 0
Schwab International Equity INTL EQTY ETF 808524805 6,347 168,725 SH   SOLE NONE 168,725 0 0
Schwab US Agg Bond US AGGREGATE B 808524839 354 6,573 SH   SOLE NONE 6,573 0 0
Schwab US REIT US REIT ETF 808524847 1,413 34,388 SH   SOLE NONE 34,388 0 0
Schwab Intl Small Cap INTL SCEQT ETF 808524888 1,148 29,133 SH   SOLE NONE 29,133 0 0
Starbucks Corp COM 855244109 257 2,359 SH   SOLE NONE 2,359 0 0
TJX Companies Inc COM 872540109 345 5,226 SH   SOLE NONE 5,226 0 0
Target COM 87612E106 249 1,258 SH   SOLE NONE 1,258 0 0
Terminix Global Holdings Inc Com COM 88087E100 317 6,670 SH   SOLE NONE 6,670 0 0
3M Company COM 88579Y101 233 1,210 SH   SOLE NONE 1,210 0 0
Tyler Technologies Inc COM 902252105 206 487 SH   SOLE NONE 487 0 0
Union Pacific Corp COM 907818108 264 1,199 SH   SOLE NONE 1,199 0 0
UnitedHealth Group Inc COM 91324P102 453 1,219 SH   SOLE NONE 1,219 0 0
Visa Inc Cl A COM CL A 92826C839 671 3,171 SH   SOLE NONE 3,171 0 0
Whirlpool Corp. COM 963320106 213 967 SH   SOLE NONE 967 0 0
IHS Markit LTD SHS G47567105 453 4,685 SH   SOLE NONE 4,685 0 0
Steris Plc SHS USD G8473T100 416 2,189 SH   SOLE NONE 2,189 0 0