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 406 162 SH   SOLE NONE 0 0 162
Alphabet Inc Class A CAP STK CL A 02079K305 691 283 SH   SOLE NONE 0 0 283
Amazon.com COM 023135106 522 152 SH   SOLE NONE 0 0 152
American Tower COM 03027X100 330 1,223 SH   SOLE NONE 0 0 1,223
Apple Inc COM 037833100 1,422 10,383 SH   SOLE NONE 0 0 10,383
Aspen Technology Inc. COM 045327103 371 2,698 SH   SOLE NONE 0 0 2,698
Becton Dickinson & Company COM 075887109 363 1,493 SH   SOLE NONE 0 0 1,493
Berkshire Hathaway Class B CL B NEW 084670702 398 1,433 SH   SOLE NONE 0 0 1,433
Booking Holdings Inc COM 09857L108 205 94 SH   SOLE NONE 0 0 94
CDW Corporation COM 12514G108 225 1,290 SH   SOLE NONE 0 0 1,290
Cisco Systems COM 17275R102 239 4,512 SH   SOLE NONE 0 0 4,512
Clearside Biiomedical Inc COM 185063104 121 25,000 SH   SOLE NONE 0 0 25,000
Comcast Corp. Cl A CL A 20030N101 322 5,662 SH   SOLE NONE 0 0 5,662
Cooper Companies COM NEW 216648402 393 994 SH   SOLE NONE 0 0 994
Danaher Corp. COM 235851102 390 1,454 SH   SOLE NONE 0 0 1,454
Dimensional US Equity ETF US EQUITY ETF 25434V401 494 10,494 SH   SOLE NONE 0 0 10,494
Disney, Walt Co. COM 254687106 301 1,718 SH   SOLE NONE 0 0 1,718
Dollar General Corp. COM 256677105 282 1,304 SH   SOLE NONE 0 0 1,304
Duke Energy Corp. COM NEW 26441C204 494 5,006 SH   SOLE NONE 0 0 5,006
Netlease Corp Real Estate Etf NETLEASE CORP 26922A248 3,734 124,652 SH   SOLE NONE 0 0 124,652
Ecolabs Inc. COM 278865100 204 992 SH   SOLE NONE 0 0 992
Edwards Lifesciences Corp. COM 28176E108 472 4,564 SH   SOLE NONE 0 0 4,564
Emerson Electric COM 291011104 257 2,675 SH   SOLE NONE 0 0 2,675
Facebook CL A 30303M102 406 1,168 SH   SOLE NONE 0 0 1,168
Fidelity MSCI Real Estate ETF MSCI RL EST ETF 316092857 1,269 41,714 SH   SOLE NONE 0 0 41,714
First Republic Bank of CA COM 33616C100 230 1,230 SH   SOLE NONE 0 0 1,230
Fortune Brands Home & Security COM 34964C106 369 3,708 SH   SOLE NONE 0 0 3,708
Global X US Infrastructure Dev ETF US INFR DEV ETF 37954Y673 2,475 96,140 SH   SOLE NONE 0 0 96,140
Golub Capital Inc COM 38173M102 2,936 190,449 SH   SOLE NONE 0 0 190,449
Henry Jack and Associates Inc COM 426281101 296 1,813 SH   SOLE NONE 0 0 1,813
Home Depot, Inc. COM 437076102 270 847 SH   SOLE NONE 0 0 847
Illinois Tool Works COM 452308109 453 2,029 SH   SOLE NONE 0 0 2,029
IQ Merger Arbitrage ETF IQ MRGR ARB ETF 45409B800 3,338 99,604 SH   SOLE NONE 0 0 99,604
Int'l Business Machines Corp. COM 459200101 989 6,751 SH   SOLE NONE 0 0 6,751
Invesco S&P 500 Eql Wt Tech ETF S&P500 EQL TEC 46137V282 1,552 5,352 SH   SOLE NONE 0 0 5,352
Invesco S&P 500 Buywrite ETF S&P500 BUY WRT 46137V399 3,520 155,483 SH   SOLE NONE 0 0 155,483
Ishares Inc MSCI EM Asia ETF MSCI EM ASIA ETF 464286426 973 10,520 SH   SOLE NONE 0 0 10,520
iShares Select Dividend ETF SELECT DIVID ETF 464287168 943 8,088 SH   SOLE NONE 0 0 8,088
iShares S&P 500 Index CORE S&P500 ETF 464287200 23,395 54,418 SH   SOLE NONE 0 0 54,418
iShares S&P Mid Cap Index CORE S&P MCP ETF 464287507 7,602 28,289 SH   SOLE NONE 0 0 28,289
iShares US Technology U.S. TECH ETF 464287721 1,044 10,511 SH   SOLE NONE 0 0 10,511
iShares S&P Small Cap Index CORE S&P SCP ETF 464287804 4,624 40,934 SH   SOLE NONE 0 0 40,934
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273 849 11,458 SH   SOLE NONE 0 0 11,458
iShares JP Morgan USD Emg Mkt Bd JPMORGAN USD EMG 464288281 383 3,411 SH   SOLE NONE 0 0 3,411
Ishares S&p Global Infrastructure Index GLB INFRASTR ETF 464288372 2,735 60,290 SH   SOLE NONE 0 0 60,290
iShares US Preferred Stock ETF PFD AND INCM SEC 464288687 691 17,580 SH   SOLE NONE 0 0 17,580
iShares Russell Top 200 Value ETF RUS TP200 VL ETF 464289420 213 3,217 SH   SOLE NONE 0 0 3,217
iShares Russell Top 200 Growth ETF RUS TP200 GR ETF 464289438 274 1,822 SH   SOLE NONE 0 0 1,822
Ishares AAA-A Rated Corp ETF A RATE CP BD ETF 46429B291 11,008 193,643 SH   SOLE NONE 0 0 193,643
iShares Core MSCI EAFE CORE MSCI EAFE 46432F842 4,932 65,891 SH   SOLE NONE 0 0 65,891
iShares Core MSCI Emerging Mkt CORE MSCI EMKT 46434G103 4,521 67,501 SH   SOLE NONE 0 0 67,501
Ishares 0-5YR INVT GR CP 46434V100 11,857 228,780 SH   SOLE NONE 0 0 228,780
iShares 0-5YR HI YL CP 46434V407 3,431 74,506 SH   SOLE NONE 0 0 74,506
JPMorgan Chase & Co. COM 46625H100 285 1,836 SH   SOLE NONE 0 0 1,836
JPMorgan Alerian MLP Index ALERIAN ML ETN 46625H365 2,654 135,107 SH   SOLE NONE 0 0 135,107
JP Morgan ETF Trust Ultra Short ULTRA SHRT INC 46641Q837 216 4,259 SH   SOLE NONE 0 0 4,259
Lowe's Cos. COM 548661107 594 3,067 SH   SOLE NONE 0 0 3,067
Microsoft Corporation COM 594918104 1,564 5,773 SH   SOLE NONE 0 0 5,773
Morgan Stanley COM NEW 617446448 376 4,109 SH   SOLE NONE 0 0 4,109
NextEra Energy COM 65339F101 258 3,521 SH   SOLE NONE 0 0 3,521
Nordson COM 655663102 381 1,740 SH   SOLE NONE 0 0 1,740
Ptc Inc COM 69370C100 591 4,187 SH   SOLE NONE 0 0 4,187
PepsiCo, Inc. COM 713448108 328 2,215 SH   SOLE NONE 0 0 2,215
Procter & Gamble COM 742718109 246 1,829 SH   SOLE NONE 0 0 1,829
Progressive Corp COM 743315103 385 3,921 SH   SOLE NONE 0 0 3,921
Prospect Note NOTE 4.950% 7/1 74348TAR3 12 13,000 SH   SOLE NONE 0 0 13,000
Raytheon Technologies Corp COM 75513E101 421 4,936 SH   SOLE NONE 0 0 4,936
SPDR S & P Emerging Asia ASIA PACIF ETF 78463X301 1,370 10,184 SH   SOLE NONE 0 0 10,184
SPDR Ser Tr Wells Fargo PFD Stock ETF ICE PFD SEC ETF 78464A292 1,189 26,892 SH   SOLE NONE 0 0 26,892
SPDR Doubleline Tot Ret Bd Fd SPDR TR TACTIC 78467V848 2,910 60,112 SH   SOLE NONE 0 0 60,112
SPDR Nuveen Blmbg Barclays ST Muni Bd ETF NUVEEN BLMBRG SR 78468R739 303 6,127 SH   SOLE NONE 0 0 6,127
SVB Finl Group COM 78486Q101 440 792 SH   SOLE NONE 0 0 792
Schwab US Large Cap ETF US LRG CAP ETF 808524201 36,868 354,605 SH   SOLE NONE 0 0 354,605
Schwab US Mid-Cap ETF US MID-CAP ETF 808524508 10,396 132,833 SH   SOLE NONE 0 0 132,833
Schwab US Small-Cap ETF US SML CAP ETF 808524607 5,962 57,234 SH   SOLE NONE 0 0 57,234
Schwab Emerging Mkts ETF EMRG MKTEQ ETF 808524706 5,792 176,161 SH   SOLE NONE 0 0 176,161
Schwab International Equity INTL EQTY ETF 808524805 7,652 193,989 SH   SOLE NONE 0 0 193,989
Schwab US Agg Bond ETF US AGGREGATE B 808524839 419 7,677 SH   SOLE NONE 0 0 7,677
Schwab US REIT US REIT ETF 808524847 1,783 38,948 SH   SOLE NONE 0 0 38,948
Schwab Intl Small Cap INTL SCEQT ETF 808524888 1,386 33,318 SH   SOLE NONE 0 0 33,318
Starbucks Corp COM 855244109 296 2,655 SH   SOLE NONE 0 0 2,655
TJX Companies Inc COM 872540109 352 5,226 SH   SOLE NONE 0 0 5,226
Target COM 87612E106 353 1,460 SH   SOLE NONE 0 0 1,460
Terminix Global Holdings Inc Com COM 88087E100 318 6,670 SH   SOLE NONE 0 0 6,670
3M Company COM 88579Y101 242 1,218 SH   SOLE NONE 0 0 1,218
Tyler Technologies Inc COM 902252105 220 487 SH   SOLE NONE 0 0 487
Union Pacific Corp COM 907818108 265 1,207 SH   SOLE NONE 0 0 1,207
UnitedHealth Group Inc COM 91324P102 488 1,220 SH   SOLE NONE 0 0 1,220
Visa Inc Cl A COM CL A 92826C839 779 3,334 SH   SOLE NONE 0 0 3,334
Whirlpool Corp. COM 963320106 210 967 SH   SOLE NONE 0 0 967
IHS Markit LTD SHS G47567105 527 4,685 SH   SOLE NONE 0 0 4,685
Steris Plc SHS USD G8473T100 298 1,446 SH   SOLE NONE 0 0 1,446