Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
WFC	Wells Fargo & Company	18,749	$864M	73.2%	$28.13	+49.5%	COM	949746101
SCHX	Schwab Dow Jones US Large Cap	1,147,914	$68.53M	5.8%	$59.09	—	ETF	808524201
SDY	SPDR S&P Dividend ETF	35,434	$31.72M	2.7%	$74.09	—	ETF	78464A763
SPY	S&P 500 Spdr	4,400	$11M	0.9%	$296.77	—	ETF	78462F103
COF	Capital One Financial	12,424	$9.399M	0.8%	$52.98	+44.5%	COM	14040H105
SCHD	Schwab Dow Jones US Div Eq ETF	195,309	$9.174M	0.8%	$46.18	—	ETF	808524797
SCHZ	Schwab US AGG Bnd ETF	16,973	$8.587M	0.7%	$50.85	—	ETF	808524839
SCHV	Schwab Dow Jones US Large Valu	147,789	$7.285M	0.6%	$38.36	—	ETF	808524409
TIPX	SPDR Blmbrg Brcly 1-10 Yr TIP	36,284	$6.842M	0.6%	$19.37	—	ETF	78468R861
SCHG	Schwab Dow Jones US Large Grow	95,223	$6.564M	0.6%	$39.42	—	ETF	808524300
SCHA	Schwab Dow Jones US Sm-Cap ETF	98,540	$5.979M	0.5%	$52.47	—	ETF	808524607
—	Chase Corp	5,150	$5.159M	0.4%	$39.81	—	COM	16150r104
SCHM	Schwab Dow Jones US Mid-Cap	105,693	$5.066M	0.4%	$42.24	—	ETF	808524508
SCHF	Schwab FTSE Developed ex-US ET	174,757	$4.954M	0.4%	$9.39	—	ETF	808524805
MSFT	Microsoft Corp	45,614	$4.633M	0.4%	$27.81	+259.6%	COM	594918104
MDY	S&P 400 Mid-Cap SPDR	1,527	$4.622M	0.4%	$143459.86	—	ETF	78467Y107
JNJ	Johnson & Johnson	35,327	$4.559M	0.4%	$60.51	+88.6%	COM	478160104
—	Merck & Co Inc	58,239	$4.45M	0.4%	$47.52	—	COM	58933y105
SCHB	Schwab Dow Jones US Broad Mkt	64,244	$3.852M	0.3%	$58.56	—	ETF	808524102
AAPL	Apple Inc	23,130	$3.649M	0.3%	$21.05	+118.6%	COM	037833100
INTC	Intel Corp	77,340	$3.63M	0.3%	$18.48	+117.5%	COM	458140100
GOOGL	Alphabet, Inc. Cl A	3,306	$3.455M	0.3%	$39.09	+37.2%	COM	02079K305
—	Western Asset Muni Hi Income	41,430	$2.874M	0.2%	$7.26	—	ETF	95766N103
WY	Weyerhaeuser Co	13,093	$2.864M	0.2%	$23.73	-15.2%	COM	962166104
IJH	iShares S&P Midcap 400 Index	17,240	$2.863M	0.2%	$127.31	—	ETF	464287507
IJR	iShares S&P Smallcap 600 Index	41,075	$2.847M	0.2%	$82.91	—	ETF	464287804
—	Wells Fargo & Co 7.50 Pfd	201	$2.544M	0.2%	$1307.27	—	PFD	949746804
—	J P Morgan Chase & Co	24,103	$2.353M	0.2%	$29.83	—	COM	46625h100
VZ	Verizon Communications	40,070	$2.253M	0.2%	$30.68	+25.9%	ETF	92343V104
—	Altaba Incorporated	3,814	$2.201M	0.2%	$54.54	—	COM	021346101
AMGN	Amgen Inc	11,228	$2.186M	0.2%	$116.37	+34.8%	COM	031162100
CSCO	Cisco Systems	50,250	$2.177M	0.2%	$18.11	+103.8%	COM	17275R102
PEP	Pepsico	19,513	$2.156M	0.2%	$56.73	+59.8%	COM	713448108
PG	Procter & Gamble Inc	23,164	$2.129M	0.2%	$55.49	+34.7%	COM	742718109
VEU	Vanguard FTSE All World ex USA	46,215	$2.106M	0.2%	$46.91	—	ETF	922042775
DIS	Disney Walt Co	17,032	$1.868M	0.2%	$73.52	+48.4%	COM	254687106
PFE	Pfizer Inc	42,640	$1.861M	0.2%	$19.05	+57.6%	COM	717081103
VNQ	Vanguard REIT	24,773	$1.847M	0.2%	$77.60	—	ETF	922908553
VTV	Vanguard Value ETF	18,257	$1.788M	0.2%	$82.82	—	ETF	922908744
BRK/B	Berkshire Hathaway B	8,742	$1.785M	0.2%	$145.07	+44.0%	COM	084670702
LOW	Lowes Companies	19,027	$1.757M	0.1%	$61.69	+37.2%	COM	548661107
BAC	Bank Of America	61,861	$1.524M	0.1%	$11.47	+98.9%	COM	060505104
CVX	ChevronTexaco Corp	13,263	$1.443M	0.1%	$72.02	+17.7%	COM	166764100
SCHC	Schwab FTSE Intl Small-Cap Equ	48,587	$1.414M	0.1%	$34.93	—	ETF	808524888
BMY	Bristol Myers Squibb	27,104	$1.409M	0.1%	$39.53	+3.6%	COM	110122108
CVS	CVS Health Corporation	21,198	$1.389M	0.1%	$47.63	+24.7%	COM	126650100
VUG	Vanguard Growth ETF	10,169	$1.366M	0.1%	$80.76	—	ETF	922908736
UNP	Union Pacific Corp	9,725	$1.344M	0.1%	$68.42	+84.8%	COM	907818108
VBR	Vanguard Small-Cap Value ETF	11,708	$1.335M	0.1%	$118.45	—	ETF	922908611
GOOG	Alphabet, Inc. Cl C	1,286	$1.332M	0.1%	$38.04	+39.7%	COM	02079K107
CWI	SPDR MSCI Acwi Ex-US	40,067	$1.312M	0.1%	$37.10	—	ETF	78463X848
—	Harris Corp	9,433	$1.27M	0.1%	$79.24	—	COM	413875105
MCD	McDonalds Corp	6,944	$1.233M	0.1%	$80.77	+85.8%	COM	580135101
—	BB&T Corporation	27,223	$1.179M	0.1%	$39.41	—	COM	054937107
BABA	Alibaba Group Hldg Adr	8,411	$1.153M	0.1%	$158.00	—	ADR	01609W102
V	Visa Inc.	8,493	$1.121M	0.1%	$71.50	+83.8%	COM	92826C839
—	DowDuPont Inc	19,437	$1.039M	0.1%	$69.02	—	COM	26078J100
GLD	SPDR Gold Shares	8,072	$979K	0.1%	$117.95	—	ETF	78463V107
—	Royal Dutch Shell B Adr	15,897	$953K	0.1%	$67.01	—	COM	780259107
—	Raytheon Corp Cl B	6,114	$938K	0.1%	$153.11	—	COM	755111507
MUNI	Pimco Intermediate Muni ETF	17,651	$932K	0.1%	$54.95	—	ETF	72201R866
VDC	Vanguard Consumer Staples ETF	6,721	$882K	0.1%	$125.71	—	ETF	92204A207
—	United Technologies CP	8,234	$877K	0.1%	$94.99	—	COM	913017109
USB	U S Bancorp	18,321	$837K	0.1%	$22.96	+66.8%	COM	902973304
—	AT&T Corp	27,970	$798K	0.1%	$37.38	—	COM	00206r102
EMR	Emerson Electric	12,969	$775K	0.1%	$40.02	+42.4%	COM	291011104
BSV	Vanguard ShortTerm Bond ETF	9,664	$759K	0.1%	$81.05	—	ETF	921937827
DHR	Danaher Corp	7,309	$754K	0.1%	$28.79	+205.2%	COM	235851102
—	ETFS Phys. Swiss Gold Shares	5,979	$739K	0.1%	$123.98	—	ETF	26922Y105
FISV	Fiserv Inc.	9,808	$721K	0.1%	$49.23	+57.0%	COM	337738108
ROP	Roper Technologies, Inc	2,657	$708K	0.1%	$167.54	+61.8%	COM	776696106
ADP	Automatic Data Processing	5,345	$701K	0.1%	$46.09	+162.9%	COM	053015103
VOO	Vanguard S&P 500 Etf	3,032	$697K	0.1%	$246.30	—	ETF	922908363
TMO	Thermo Fisher Scientific	3,071	$687K	0.1%	$85.59	+169.0%	COM	883556102
HD	Home Depot	3,934	$676K	0.1%	$68.24	+120.4%	COM	437076102
PYPL	Paypal Holdings Inc.	7,880	$663K	0.1%	$37.58	+121.1%	COM	70450Y103
META	Facebook Inc Class A	5,002	$655K	0.1%	$88.35	+62.8%	COM	30303M102
XBI	SPDR S&P Biotech ETF	9,040	$642K	0.1%	$86.09	—	ETF	78464A870
KO	Coca Cola	12,703	$601K	0.1%	$28.11	+36.6%	COM	191216100
—	Stanley Works	4,921	$589K	0.0%	$119.69	—	COM	854616109
AMZN	Amazon.com	391	$587K	0.0%	$59.02	+40.9%	COM	023135106
GPN	Global Payments, Inc.	5,598	$577K	0.0%	$104.86	0.0%	COM	37940X102
CRM	Salesforce Com	4,173	$572K	0.0%	$131.06	+3.7%	COM	79466L302
IBM	International Business Machine	4,960	$564K	0.0%	$103.69	-15.2%	COM	459200101
TJX	TJX Cos Inc	12,156	$544K	0.0%	$38.86	+18.1%	COM	872540109
TSN	Tyson Foods Inc	10,053	$537K	0.0%	$51.71	-7.1%	COM	902494103
ITW	Illinois Tool Works	4,210	$533K	0.0%	$93.08	+18.7%	COM	452308109
C	Citigroup Inc	10,029	$522K	0.0%	$44.14	+11.8%	COM	172967424
FLOT	iShares Floating Rate Bond ETF	9,867	$497K	0.0%	$50.91	—	ETF	46429B655
ABT	Abbott Labs	6,846	$495K	0.0%	$31.06	+100.1%	COM	002824100
—	Oracle Systems	10,802	$488K	0.0%	$31.24	—	COM	68389x105
PRU	Prudential Financial Inc	5,888	$480K	0.0%	$51.75	+25.0%	COM	744320102
STT	State Street Boston Corp	7,550	$476K	0.0%	$44.55	+27.5%	COM	857477103
—	Dominion Res Inc Va	6,615	$473K	0.0%	$57.44	—	COM	25746u109
NKE	Nike Inc Class B	6,295	$467K	0.0%	$44.08	+54.6%	COM	654106103
PANW	Palo Alto Networks Inc	2,457	$463K	0.0%	$25.85	+20.6%	COM	697435105
—	H S B C Hldgs 6.2 Pfd	17,800	$459K	0.0%	$26.56	—	PFD	404280604
MMM	3M Company	2,348	$447K	0.0%	$130.14	-1.5%	COM	88579Y101
FNDF	Sch Fundamental Intl Lg Co ETF	17,438	$440K	0.0%	$28.18	—	ETF	808524755
IVE	iShares S&P 500 Barra Value Fd	4,299	$435K	0.0%	$76.04	—	ETF	464287408
MBB	iShares MBS ETF	4,105	$430K	0.0%	$110.00	—	ETF	464288588
MA	Mastercard Inc	2,264	$427K	0.0%	$100.86	+89.3%	COM	57636Q104
VIG	Vanguard Div Appreciation	4,240	$415K	0.0%	$78.17	—	ETF	921908844
SCHE	Schwab FTSE Emerging Mkt ETF	17,651	$415K	0.0%	$24.87	—	ETF	808524706
TD	Toronto Dominion Bank	8,110	$403K	0.0%	$42.78	+27.9%	COM	891160509
PM	Philip Morris Intl Inc	5,778	$386K	0.0%	$53.28	+7.5%	COM	718172109
ABBV	AbbVie Inc	4,046	$373K	0.0%	$42.37	+52.9%	COM	00287Y109
—	AON Corp	2,517	$366K	0.0%	$64.29	—	COM	G0408V102
VCSH	Vanguard ShortTerm Corp Bond	4,582	$357K	0.0%	$80.44	—	ETF	92206C409
NVS	Novartis A G	4,027	$346K	0.0%	$70.82	—	COM	66987V109
—	Travelers Inc	2,855	$342K	0.0%	$119.79	—	COM	89147E113
LMT	Lockheed Martin Corp	1,303	$341K	0.0%	$113.41	+120.5%	COM	539830109
XLK	Technology Sector iShare	5,017	$311K	0.0%	$63.28	—	ETF	81369Y803
LQD	iShares Inv. Grade Corp. Bd.	2,722	$307K	0.0%	$114.66	—	ETF	464287242
MDLZ	Mondelez Intl Inc Cl A	7,315	$293K	0.0%	$36.30	-1.4%	ETF	609207105
VB	Vanguard Small Cap	2,168	$286K	0.0%	$123.18	—	ETF	922908751
—	Altria Group Inc	5,769	$285K	0.0%	$61.90	—	COM	02209s103
NVDA	Nvidia Corp	2,135	$285K	0.0%	$3.13	+51.2%	COM	67066G104
VWO	Vanguard Emerging Mkt Fd	7,445	$284K	0.0%	$38.28	—	ETF	922042858
CTSH	Cognizant Tech. Solutions	4,442	$282K	0.0%	$49.70	+26.0%	COM	192446102
TAP/A	Molson Coors Brewing	5,025	$282K	0.0%	$90.12	-26.0%	COM	60871R100
SUB	iShares Sht-Term National Muni	2,614	$276K	0.0%	$106.12	—	ETF	464288158
BDX	Becton Dickinson	1,215	$274K	0.0%	$123.45	+68.6%	COM	075887109
—	Nuveen Inter Dur Qlty Muni	21,690	$268K	0.0%	$12.91	—	ETF	670677103
—	Alerian MLP ETF	29,849	$261K	0.0%	$9.53	—	COM	00162Q866
—	General Electric	342,023	$259K	0.0%	$3.03	—	COM	369604103
—	American Tower Corp	1,630	$258K	0.0%	$144.17	—	COM	03027x100
—	Walgreens Boots Allianc	3,755	$257K	0.0%	$79.30	—	COM	931427108
—	Conoco Phillips	4,094	$255K	0.0%	$64.40	—	COM	20825c104
—	Unilever Nv Adr- Netherlands	4,690	$252K	0.0%	$41.63	—	ADR	904767704
AGG	iShares Core Total U S	2,308	$246K	0.0%	$109.30	—	ETF	464287226
UNM	Unum Corp	8,312	$244K	0.0%	$38.58	-9.3%	COM	91529Y106
AMAT	Applied Materials	7,210	$236K	0.0%	$25.12	+26.2%	COM	038222105
PPG	PPG Inds Inc	2,276	$233K	0.0%	$77.05	+17.3%	COM	693506107
SCHP	Schwab US TIPS ETF	4,347	$231K	0.0%	$313.03	—	ETF	808524870
FNDX	Sch Fundamental US Large Co ET	6,683	$227K	0.0%	$29.52	—	ETF	808524771
VNQI	Vanguard Intl REIT	4,277	$224K	0.0%	$64.24	—	ETF	922042676
—	Diageo Plc	1,544	$219K	0.0%	$115.38	—	COM	25243q205
BA	Boeing Co	678	$219K	0.0%	$339.07	-1.2%	COM	097023105
—	iShares Russell 2000 Index Fun	1,575	$211K	0.0%	$156.95	—	ETF	464287665
XOM	Exxon-Mobil	20,385	$139K	0.0%	$53.88	+4.7%	COM	30231G102
—	Quanta Services Inc	28,344	$85,000	0.0%	$3.00	—	COM	04762E102
IVW	iShares S&P 500 Barra Gr. Fd.	3,518	$53,000	0.0%	$84.46	—	ETF	464287309