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 A CAP STK CL A 02079K305 767 287 SH   SOLE NONE 0 0 287
Alphabet Inc Class C CAP STK CL C 02079K107 431 162 SH   SOLE NONE 0 0 162
Amazon.com COM 023135106 456 139 SH   SOLE NONE 0 0 139
American Tower COM 03027X100 324 1,223 SH   SOLE NONE 0 0 1,223
Apple Inc COM 037833100 1,409 9,964 SH   SOLE NONE 0 0 9,964
Aspen Technology Inc. COM 045327103 331 2,698 SH   SOLE NONE 0 0 2,698
Becton Dickinson & Company COM 075887109 348 1,418 SH   SOLE NONE 0 0 1,418
Berkshire Hathaway Class B CL B NEW 084670702 391 1,433 SH   SOLE NONE 0 0 1,433
Booking Holdings Inc COM 09857L108 223 94 SH   SOLE NONE 0 0 94
CDW Corporation COM 12514G108 234 1,290 SH   SOLE NONE 0 0 1,290
Cisco Systems COM 17275R102 245 4,514 SH   SOLE NONE 0 0 4,514
Clearside Biiomedical Inc COM 185063104 150 25,000 SH   SOLE NONE 0 0 25,000
Comcast Corp. Cl A CL A 20030N101 316 5,651 SH   SOLE NONE 0 0 5,651
Cooper Companies COM NEW 216648402 360 872 SH   SOLE NONE 0 0 872
Danaher Corp. COM 235851102 324 1,066 SH   SOLE NONE 0 0 1,066
Dimensional US Equity ETF US EQUITY ETF 25434V401 496 10,522 SH   SOLE NONE 0 0 10,522
Disney, Walt Co. COM 254687106 285 1,689 SH   SOLE NONE 0 0 1,689
Dollar General Corp. COM 256677105 276 1,304 SH   SOLE NONE 0 0 1,304
Duke Energy Corp. COM NEW 26441C204 489 5,015 SH   SOLE NONE 0 0 5,015
Ecolabs Inc. COM 278865100 207 995 SH   SOLE NONE 0 0 995
Edwards Lifesciences Corp. COM 28176E108 448 3,962 SH   SOLE NONE 0 0 3,962
Facebook CL A 30303M102 353 1,041 SH   SOLE NONE 0 0 1,041
Fidelity MSCI Real Estate ETF MSCI RL EST ETF 316092857 1,434 47,179 SH   SOLE NONE 0 0 47,179
First Republic Bank of CA COM 33616C100 237 1,230 SH   SOLE NONE 0 0 1,230
Fortune Brands Home & Security COM 34964C106 274 3,073 SH   SOLE NONE 0 0 3,073
Global X US Infrastructure Dev ETF US INFR DEV ETF 37954Y673 2,736 107,705 SH   SOLE NONE 0 0 107,705
Golub Capital Inc COM 38173M102 3,548 224,434 SH   SOLE NONE 0 0 224,434
Henry Jack and Associates Inc COM 426281101 297 1,813 SH   SOLE NONE 0 0 1,813
Home Depot, Inc. COM 437076102 285 869 SH   SOLE NONE 0 0 869
IHS Markit LTD SHS G47567105 501 4,301 SH   SOLE NONE 0 0 4,301
Illinois Tool Works COM 452308109 420 2,035 SH   SOLE NONE 0 0 2,035
Int'l Business Machines Corp. COM 459200101 937 6,751 SH   SOLE NONE 0 0 6,751
Invesco S&P 500 Buywrite ETF S&P500 BUY WRT 46137V399 3,940 171,393 SH   SOLE NONE 0 0 171,393
Invesco S&P 500 Eql Wt Tech ETF S&P500 EQL TEC 46137V282 1,684 5,843 SH   SOLE NONE 0 0 5,843
IQ Merger Arbitrage ETF IQ MRGR ARB ETF 45409B800 3,993 121,456 SH   SOLE NONE 0 0 121,456
iShares 0-5 Year HY Corp Bd 0-5YR HI YL CP 46434V407 4,082 89,342 SH   SOLE NONE 0 0 89,342
Ishares 0-5 Year Invmt Grade Corp Bd ETF 0-5YR INVT GR CP 46434V100 13,677 264,653 SH   SOLE NONE 0 0 264,653
Ishares AAA-A Rated Corp ETF A RATE CP BD ETF 46429B291 12,231 217,131 SH   SOLE NONE 0 0 217,131
iShares Core MSCI EAFE CORE MSCI EAFE 46432F842 5,689 76,625 SH   SOLE NONE 0 0 76,625
iShares Core MSCI Emerging Mkt CORE MSCI EMKT 46434G103 4,633 75,028 SH   SOLE NONE 0 0 75,028
iShares Core Total Aggregate US Bd ETF CORE US AGGBD ET 464287226 264 2,307 SH   SOLE NONE 0 0 2,307
Ishares Inc MSCI EM Asia ETF MSCI EM ASIA ETF 464286426 1,030 12,205 SH   SOLE NONE 0 0 12,205
iShares JP Morgan USD Emg Mkt Bd JPMORGAN USD EMG 464288281 419 3,807 SH   SOLE NONE 0 0 3,807
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273 978 13,154 SH   SOLE NONE 0 0 13,154
iShares Russell Top 200 Growth ETF RUS TP200 GR ETF 464289438 244 1,600 SH   SOLE NONE 0 0 1,600
iShares S&P 500 Index CORE S&P500 ETF 464287200 26,466 61,433 SH   SOLE NONE 0 0 61,433
Ishares S&p Global Infrastructure Index GLB INFRASTR ETF 464288372 3,014 65,676 SH   SOLE NONE 0 0 65,676
iShares S&P Mid Cap Index CORE S&P MCP ETF 464287507 9,565 36,360 SH   SOLE NONE 0 0 36,360
iShares S&P Small Cap Index CORE S&P SCP ETF 464287804 5,127 46,957 SH   SOLE NONE 0 0 46,957
iShares Select Dividend ETF SELECT DIVID ETF 464287168 1,010 8,805 SH   SOLE NONE 0 0 8,805
iShares US Preferred Stock ETF PFD AND INCM SEC 464288687 840 21,668 SH   SOLE NONE 0 0 21,668
iShares US Technology U.S. TECH ETF 464287721 1,411 13,942 SH   SOLE NONE 0 0 13,942
JP Morgan ETF Trust Ultra Short ULTRA SHRT INC 46641Q837 294 5,804 SH   SOLE NONE 0 0 5,804
JPMorgan Chase & Co. COM 46625H100 303 1,853 SH   SOLE NONE 0 0 1,853
Lowe's Cos. COM 548661107 624 3,077 SH   SOLE NONE 0 0 3,077
Microsoft Corporation COM 594918104 1,665 5,907 SH   SOLE NONE 0 0 5,907
Morgan Stanley COM NEW 617446448 399 4,110 SH   SOLE NONE 0 0 4,110
Netlease Corp Real Estate Etf NETLEASE CORP 26922A248 4,227 142,851 SH   SOLE NONE 0 0 142,851
NextEra Energy COM 65339F101 259 3,305 SH   SOLE NONE 0 0 3,305
Nordson COM 655663102 357 1,500 SH   SOLE NONE 0 0 1,500
PepsiCo, Inc. COM 713448108 312 2,078 SH   SOLE NONE 0 0 2,078
Procter & Gamble COM 742718109 294 2,108 SH   SOLE NONE 0 0 2,108
Progressive Corp COM 743315103 271 3,007 SH   SOLE NONE 0 0 3,007
Prospect Note NOTE 4.950% 7/1 74348TAR3 13 13,000 SH   SOLE NONE 0 0 13,000
Ptc Inc COM 69370C100 501 4,187 SH   SOLE NONE 0 0 4,187
Raytheon Technologies Corp COM 75513E101 435 5,069 SH   SOLE NONE 0 0 5,069
Schwab Emerging Mkts ETF EMRG MKTEQ ETF 808524706 6,202 203,478 SH   SOLE NONE 0 0 203,478
Schwab International Equity INTL EQTY ETF 808524805 8,363 216,121 SH   SOLE NONE 0 0 216,121
Schwab Intl Small Cap INTL SCEQT ETF 808524888 1,533 36,938 SH   SOLE NONE 0 0 36,938
Schwab US Agg Bond ETF US AGGREGATE B 808524839 527 9,721 SH   SOLE NONE 0 0 9,721
Schwab US Large Cap ETF US LRG CAP ETF 808524201 39,812 382,698 SH   SOLE NONE 0 0 382,698
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 12,651 165,029 SH   SOLE NONE 0 0 165,029
Schwab US REIT US REIT ETF 808524847 1,944 42,565 SH   SOLE NONE 0 0 42,565
Schwab US Small-Cap ETF US SML CAP ETF 808524607 6,444 64,378 SH   SOLE NONE 0 0 64,378
SPDR Doubleline Tot Ret Bd Fd SPDR TR TACTIC 78467V848 3,630 75,134 SH   SOLE NONE 0 0 75,134
SPDR Nuveen Blmbg Barclays ST Muni Bd ETF NUVEEN BLMBRG SR 78468R739 343 6,945 SH   SOLE NONE 0 0 6,945
SPDR S & P Emerging Asia ASIA PACIF ETF 78463X301 1,434 11,559 SH   SOLE NONE 0 0 11,559
SPDR Ser Tr Wells Fargo PFD Stock ETF ICE PFD SEC ETF 78464A292 1,259 28,988 SH   SOLE NONE 0 0 28,988
Starbucks Corp COM 855244109 259 2,355 SH   SOLE NONE 0 0 2,355
Steris Plc SHS USD G8473T100 246 1,206 SH   SOLE NONE 0 0 1,206
SVB Finl Group COM 78486Q101 336 520 SH   SOLE NONE 0 0 520
Target COM 87612E106 289 1,264 SH   SOLE NONE 0 0 1,264
Terminix Global Holdings Inc Com COM 88087E100 277 6,670 SH   SOLE NONE 0 0 6,670
TJX Companies Inc COM 872540109 346 5,248 SH   SOLE NONE 0 0 5,248
Tyler Technologies Inc COM 902252105 223 487 SH   SOLE NONE 0 0 487
Union Pacific Corp COM 907818108 236 1,207 SH   SOLE NONE 0 0 1,207
UnitedHealth Group Inc COM 91324P102 479 1,226 SH   SOLE NONE 0 0 1,226
Visa Inc Cl A COM CL A 92826C839 728 3,271 SH   SOLE NONE 0 0 3,271