Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
SCHZ	Schwab US AGG Bnd ETF	199,704	$11.11M	5.8%	$55.64 *	$25.67	+5.7%	ETF	808524839
SCHD	Schwab Dow Jones US Div Eq ETF	215,738	$10.4M	5.4%	$48.20 *	$16.66	-10.0%	ETF	808524797
SCHX	Schwab Dow Jones US Large Cap	155,277	$10.25M	5.4%	$66.03 *	$12.17	-16.2%	ETF	808524201
MUNI	Pimco Intermediate Muni ETF	17,150	$9.423M	4.9%	$549.45 *	$54.81	-0.5%	ETF	72201R866
SCHG	Schwab Dow Jones US Large Grow	85,442	$7.411M	3.9%	$86.74 *	$10.40	-4.3%	ETF	808524300
MSFT	Microsoft Corp	37,500	$6.446M	3.4%	$171.89 *	$27.81	+439.9%	COM	594918104
SCHV	Schwab Dow Jones US Large Valu	128,094	$6.037M	3.2%	$47.13 *	$12.88	+14.6%	ETF	808524409
AAPL	Apple Inc	206,432	$5.872M	3.1%	$28.45 *	$65.90	-6.7%	COM	037833100
JNJ	Johnson & Johnson	307,024	$4.533M	2.4%	$14.76 *	$114.01	-2.2%	COM	478160104
—	Merck & Co Inc	53,918	$4.425M	2.3%	$82.07	$47.52	—	COM	58933y105
GOOGL	Alphabet Inc. Cl A	3,189	$4.01M	2.1%	$1257.45 *	$39.09	+47.5%	COM	02079K305
INTC	Intel Corp	671,992	$3.956M	2.1%	$5.89 *	$48.79	-1.7%	COM	458140100
NOBL	Proshares S&P 500 Div Aristocr	62,012	$3.794M	2.0%	$61.18 *	$72.52	-20.5%	ETF	74348A467
SCHM	Schwab Dow Jones US Mid-Cap ET	79,983	$3.541M	1.9%	$44.27 *	$14.00	+0.4%	ETF	808524508
TOTL	SPDR Doubleline Ttl Rtrn	7,123	$3.478M	1.8%	$488.28 *	$49.08	-2.3%	ETF	78467V848
SDY	SPDR S&P Dividend ETF	33,565	$2.809M	1.5%	$83.69 *	$73.41	+8.8%	ETF	78464A763
PG	Procter & Gamble Inc	22,289	$2.702M	1.4%	$121.23 *	$55.49	+71.7%	COM	742718109
SCHA	Schwab Dow Jones US Sm-Cap ETF	49,859	$2.661M	1.4%	$53.37 *	$12.94	-0.5%	ETF	808524607
PEP	Pepsico	17,709	$2.391M	1.3%	$135.02 *	$56.73	+77.5%	COM	713448108
AMGN	Amgen Inc	10,602	$2.351M	1.2%	$221.75 *	$116.37	+45.9%	COM	031162100
CSCO	Cisco Systems	51,297	$2.13M	1.1%	$41.52 *	$19.54	+68.2%	COM	17275R102
IJH	iShares S&P Midcap 400 Index	13,853	$2.083M	1.1%	$150.36 *	$25.44	+13.1%	ETF	464287507
GLD	SPDR Gold Shares	12,604	$2.04M	1.1%	$161.85 *	$132.62	+11.6%	ETF	78463V107
SCHF	Schwab FTSE Developed ex-US ET	72,943	$1.917M	1.0%	$26.28 *	$16.98	-23.9%	ETF	808524805
VEU	Vanguard FTSE All-World ex-USA	44,990	$1.89M	1.0%	$42.01 *	$47.91	-14.4%	ETF	922042775
AMZN	Amazon.com	801	$1.848M	1.0%	$2307.12 *	$76.34	+27.7%	COM	023135106
IJR	iShares S&P Smallcap 600 Index	30,940	$1.77M	0.9%	$57.21	$59.98	-6.5%	ETF	464287804
DIS	Disney Walt Co	16,920	$1.749M	0.9%	$103.37 *	$73.93	+27.7%	COM	254687106
LHX	L3Harris Technologies Inc	8,850	$1.726M	0.9%	$195.03 *	$180.59	-11.1%	COM	502431109
CVS	CVS Health Corporation	27,028	$1.637M	0.9%	$60.57 *	$48.23	+2.1%	COM	126650100
BABA	Alibaba Group Hldg Adr	7,830	$1.63M	0.9%	$208.17 *	$153.06	+27.1%	COM	01609W102
VNQ	Vanguard REIT	21,155	$1.579M	0.8%	$74.64 *	$78.30	-10.8%	ETF	922908553
LOW	Lowes Companies	16,733	$1.579M	0.8%	$94.36 *	$61.69	+25.6%	COM	548661107
VUG	Vanguard Growth ETF	9,103	$1.56M	0.8%	$171.37 *	$13.58	+92.3%	ETF	922908736
VTV	Vanguard Value ETF	15,826	$1.504M	0.8%	$95.03 *	$82.86	+7.5%	ETF	922908744
GOOG	Alphabet Inc. Cl C	1,187	$1.499M	0.8%	$1262.85 *	$38.35	+50.5%	COM	02079K107
BRK/B	Berkshire Hathaway B	7,661	$1.445M	0.8%	$188.62 *	$148.60	+23.0%	ADR	084670702
UNP	Union Pacific Corp	9,053	$1.328M	0.7%	$146.69 *	$68.42	+81.5%	COM	907818108
BAC	Bank Of America	586,942	$1.302M	0.7%	$2.22 *	$24.46	-24.6%	COM	060505104
—	Raytheon Technologies Co	20,876	$1.301M	0.7%	$62.32	$91.00	—	COM	755111507
SPY	SPDR S&P 500	4,607	$1.28M	0.7%	$277.84 *	$187.41	+37.5%	ETF	78462F103
V	Visa Inc.	7,588	$1.259M	0.7%	$165.92 *	$76.37	+102.5%	COM	92826C839
BMY	Bristol Myers Squibb	19,660	$1.169M	0.6%	$59.46 *	$39.53	+12.1%	COM	110122108
MCD	McDonalds Corp	6,301	$1.121M	0.6%	$177.91 *	$81.96	+76.7%	COM	580135101
PFE	Pfizer Inc	30,383	$1.093M	0.6%	$35.97 *	$19.31	+22.0%	COM	717081103
VOO	Vanguard S&P 500 ETF	4,157	$1.061M	0.6%	$255.23 *	$249.93	-5.2%	ETF	922908363
—	AT&T Corp	34,461	$1.037M	0.5%	$30.09	$37.29	—	COM	00206r102
VIG	Vanguard Div Appreciation	9,224	$1.02M	0.5%	$110.58 *	$98.88	+4.6%	ETF	921908844
CVX	ChevronTexaco Corp	123,388	$1.018M	0.5%	$8.25 *	$75.61	-25.8%	COM	166764100
IBM	International Business Machine	7,995	$949K	0.5%	$118.70 *	$102.11	-18.9%	COM	459200101
DHR	Danaher Corp	6,182	$944K	0.5%	$152.70 *	$28.79	+315.7%	COM	235851102
EMTL	SPDR DoubleLine EM ETF	19,350	$890K	0.5%	$45.99	$50.69	-10.3%	ETF	78470P309
AGG	iShares Core Total U.S. AGG	7,521	$882K	0.5%	$117.27	$111.02	+3.9%	ETF	464287226
HD	Home Depot	43,432	$862K	0.5%	$19.85 *	$180.00	-9.7%	COM	437076102
FISV	Fiserv Inc.	9,155	$857K	0.4%	$93.61	$51.90	+83.0%	COM	337738108
TMO	Thermo Fisher Scientific	2,617	$853K	0.4%	$325.95 *	$85.59	+226.5%	COM	883556102
VDC	Vanguard Consumer Staples ETF	5,514	$823K	0.4%	$149.26 *	$123.84	+11.3%	ETF	92204A207
META	Facebook Inc Class A	4,590	$812K	0.4%	$176.91 *	$192.35	-13.9%	COM	30303M102
XOM	Exxon-Mobil	19,833	$803K	0.4%	$40.49 *	$53.73	-45.7%	COM	30231G102
XBI	SPDR S&P Biotech ETF	9,225	$779K	0.4%	$84.44 *	$71.34	+8.5%	ETF	78464A870
GPN	Global Payments Inc.	5,422	$763K	0.4%	$140.72 *	$174.25	-21.0%	COM	37940X102
TFC	Truist Finl Corp	23,714	$743K	0.4%	$31.33 *	$40.89	-42.4%	COM	89832Q109
TIPX	SPDR Blmbrg Brcly 1-10 Yr TIP	34,956	$703K	0.4%	$20.11 *	$19.59	+0.2%	ETF	78468R861
PYPL	Paypal Holdings Inc.	6,327	$683K	0.4%	$107.95 *	$37.58	+154.2%	COM	70450Y103
ADP	Automatic Data Processing	4,945	$681K	0.4%	$137.71 *	$46.09	+162.6%	COM	053015103
CWI	SPDR MSCI Acwi Ex-US	33,682	$680K	0.4%	$20.19 *	$24.35	-19.0%	ETF	78463X848
IVW	iShares S&P 500 Barra Gr. Fd.	3,532	$634K	0.3%	$179.50 *	$22.01	+87.5%	ETF	464287309
PWR	Quanta Services Inc	19,311	$629K	0.3%	$32.57 *	$35.55	-12.0%	COM	74762E102
ROP	Roper Technologies Inc	1,952	$613K	0.3%	$314.04 *	$167.54	+79.7%	COM	776696106
ABT	Abbott Labs	6,533	$594K	0.3%	$90.92 *	$32.49	+119.4%	COM	002824100
EMR	Emerson Electric	12,204	$585K	0.3%	$47.94 *	$40.02	+4.8%	COM	291011104
MA	Mastercard Inc	2,257	$580K	0.3%	$256.98 *	$113.67	+105.7%	COM	57636Q104
ITW	Illinois Tool Works	3,715	$567K	0.3%	$152.62 *	$93.08	+33.6%	COM	452308109
NVDA	Nvidia Corp	1,975	$555K	0.3%	$281.01 *	$3.22	+103.7%	COM	67066G104
CRM	Salesforce Com	3,546	$552K	0.3%	$155.67 *	$131.06	+8.5%	COM	79466L302
KO	Coca Cola	11,106	$529K	0.3%	$47.63 *	$28.79	+29.0%	COM	191216100
—	Dominion Res Inc Va	6,615	$528K	0.3%	$79.82	$57.95	—	COM	25746u109
NKE	Nike Inc Class B	6,079	$517K	0.3%	$85.05 *	$45.13	+69.6%	COM	654106103
TJX	TJX Cos Inc	10,534	$509K	0.3%	$48.32 *	$38.86	+14.2%	COM	872540109
SCHB	Schwab Dow Jones US Broad Mkt	7,359	$479K	0.3%	$65.09 *	$12.10	-16.8%	ETF	808524102
XLK	SPDR Technology Select Sector	5,483	$477K	0.2%	$87.00 *	$32.39	+24.1%	ETF	81369Y803
MBB	iShares MBS ETF	4,214	$464K	0.2%	$110.11	$108.90	+1.4%	ETF	464288588
BSV	Vanguard Short-Term Bond ETF	5,534	$458K	0.2%	$82.76	$80.64	+1.9%	ETF	921937827
—	Royal Dutch Shell B Adr	13,574	$449K	0.2%	$33.08	$13.80	—	ADR	780259107
TSN	Tyson Foods Inc	7,447	$448K	0.2%	$60.16 *	$51.71	-5.7%	COM	902494103
PANW	Palo Alto Networks Inc	2,377	$443K	0.2%	$186.37 *	$26.33	+3.8%	COM	697435105
—	H S B C Hldgs 6.2pcnt Pfd	17,302	$441K	0.2%	$25.49	$26.55	—	PFD	404280604
STT	State Street Boston Corp	7,550	$431K	0.2%	$57.09 *	$44.55	-0.5%	COM	857477103
USB	U S Bancorp	12,372	$412K	0.2%	$33.30 *	$22.96	+17.2%	COM	902973304
C	Citigroup Inc	9,564	$410K	0.2%	$42.87 *	$44.75	-23.8%	COM	172967424
LMT	Lockheed Martin Corp	1,093	$409K	0.2%	$374.20 *	$113.41	+155.6%	COM	539830109
MDLZ	Mondelez Intl Inc Cl A	7,447	$400K	0.2%	$53.71 *	$36.70	+18.3%	COM	609207105
IVE	iShares S&P 500 Value	3,887	$398K	0.2%	$102.39 *	$78.42	+22.7%	ETF	464287408
SWK	Stanley Works	3,647	$391K	0.2%	$107.21 *	$128.58	-34.9%	COM	854502101
—	AON Corp	2,117	$389K	0.2%	$183.75	$64.29	—	COM	G0408V102
—	American Tower Corp	1,547	$383K	0.2%	$247.58	$150.04	—	COM	03027x100
—	Oracle Systems	7,202	$383K	0.2%	$53.18	$31.79	—	COM	68389x105
VBR	Vanguard Small-Cap Value ETF	4,170	$382K	0.2%	$91.61 *	$116.05	-23.5%	ETF	922908611
WFC	Wells Fargo & Company	13,239	$377K	0.2%	$28.48 *	$28.50	-12.8%	COM	949746101
CFG	Citizens Financial Group	20,123	$374K	0.2%	$18.59 *	$26.06	-44.4%	COM	174610105
—	Catchmark Timber Tr	48,668	$364K	0.2%	$7.48	$7.48	—	COM	14912Y202
AMAT	Applied Materials	7,210	$363K	0.2%	$50.35 *	$25.12	+72.9%	COM	038222105
JHSC	JH/DFA Small Cap Value ETF	17,961	$355K	0.2%	$19.77 *	$25.18	-24.5%	ETF	47804J842
NVS	Novartis A G	4,027	$345K	0.2%	$85.67 *	$66.28	+24.4%	ADR	66987V109
LQD	iShares Inv. Grade Corp. Bd.	2,605	$341K	0.2%	$130.90 *	$118.43	+4.3%	ETF	464287242
MMM	3M Company	2,298	$334K	0.2%	$145.34 *	$129.91	-28.9%	COM	88579Y101
—	Weyerhaeuser Co	17,017	$325K	0.2%	$19.10	$19.10	—	COM	762166104
—	Wells Fargo & Co 7.50pcnt Pfd	244	$323K	0.2%	$1323.77	$1323.32	—	PFD	949746804
—	Chase Corp	3,860	$323K	0.2%	$83.68	$39.81	—	COM	16150r104
FLOT	iShares Floating Rate Bond ETF	6,473	$322K	0.2%	$49.75 *	$50.80	-4.1%	ETF	46429B655
VCSH	Vanguard Short-Term Corp Bond	3,872	$314K	0.2%	$81.10 *	$80.19	-1.4%	ETF	92206C409
PM	Philip Morris Intl Inc	4,167	$314K	0.2%	$75.35 *	$53.28	+2.7%	COM	718172109
WMT	Wal-Mart Stores	2,432	$313K	0.2%	$128.70 *	$29.49	+18.5%	COM	931142103
VTIP	Vanguard Sht-Term Infl Prot Se	6,309	$313K	0.2%	$49.61	$48.28	+0.9%	ETF	922020805
IEF	iShares Barclays 7-10 Yr Govt.	2,535	$309K	0.2%	$121.89	$105.01	+15.7%	ETF	464287440
—	Western Asset Muni Hi Income	43,726	$308K	0.2%	$7.04	$7.26	—	ETF	95766N103
ES	Eversource Energy	3,430	$305K	0.2%	$88.92 *	$64.33	-1.7%	COM	30040W108
—	Nuveen Inter Dur Qlty Muni	22,509	$298K	0.2%	$13.24	$12.91	—	ETF	670677103
MDY	S&P 400 Mid-Cap SPDR	1,066	$293K	0.2%	$274.86 *	$232.00	+13.3%	ETF	78467Y107
SUB	iShares Sht-Term National Muni	2,666	$284K	0.1%	$106.53	$106.26	+0.0%	ETF	464288158
—	NextEra Energy Inc.	1,135	$269K	0.1%	$237.00	$195.96	—	COM	65339f101
VB	Vanguard Small Cap	2,207	$266K	0.1%	$120.53 *	$121.35	-4.9%	ETF	922908751
ABBV	AbbVie Inc	3,151	$258K	0.1%	$81.88 *	$42.37	+42.1%	COM	00287Y109
SCHP	Schwab US TIPS ETF	4,128	$245K	0.1%	$59.35 *	$27.71	+3.8%	ETF	808524870
BDX	Becton Dickinson	960	$242K	0.1%	$252.08 *	$124.85	+64.0%	COM	075887109
SCHH	Schwab Dow Jones US REIT	6,856	$237K	0.1%	$34.57 *	$21.63	-24.3%	ETF	808524847
COF	Capital One Financial	4,481	$236K	0.1%	$52.67 *	$52.98	-13.8%	COM	14040H105
FVD	First Trust Value Line Div Idx	7,984	$230K	0.1%	$28.81 *	$33.61	-17.6%	ETF	33734H106
GEM	Gldmn Sachs ActiveBeta Emrg Mk	8,422	$230K	0.1%	$27.31 *	$32.27	-18.9%	ETF	381430206
—	Altria Group Inc	5,546	$227K	0.1%	$40.93	$61.90	—	COM	02209s103
—	Unilever Nv Adr- Netherlands	4,480	$224K	0.1%	$50.00	$41.63	—	ADR	904767704
—	Diageo Plc	1,671	$222K	0.1%	$132.85	$121.98	—	ADR	25243q205
LLY	Lilly Eli & Co	1,380	$209K	0.1%	$151.45 *	$128.17	+1.2%	COM	532457108
—	General Electric	31,536	$205K	0.1%	$6.50	$3.03	—	COM	369604103
VNQI	Vanguard Intl REIT	4,610	$200K	0.1%	$43.38	$56.05	-23.4%	ETF	922042676