Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap	160,891	$12.53M	5.4%	$77.90 *	$12.16	+1.6%	ETF	808524201
SCHD	Schwab Dow Jones US Div Eq ETF	218,349	$11.94M	5.2%	$54.66 *	$16.66	+3.5%	ETF	808524797
SCHZ	Schwab US AGG Bnd ETF	201,248	$11.44M	4.9%	$56.86 *	$25.67	+9.5%	ETF	808524839
SCHG	Schwab Dow Jones US Large Grow	82,661	$8.913M	3.8%	$107.83 *	$10.40	+22.0%	ETF	808524300
AAPL	Apple, Inc	20,859	$8.026M	3.5%	$384.77 *	$65.90	+34.2%	COM	037833100
MSFT	Microsoft Corp	37,298	$7.605M	3.3%	$203.90 *	$27.81	+598.7%	COM	594918104
SCHV	Schwab Dow Jones US Large Valu	122,232	$6.356M	2.7%	$52.00 *	$12.88	+29.7%	ETF	808524409
MDLZ	Mondelez Intl Inc Cl A	10,348	$5.775M	2.5%	$558.08 *	$38.90	+14.6%	COM	609207105
—	First Trust Preferred Sec & In	287,515	$5.474M	2.4%	$19.04	$19.04	—	ETF	33739e108
—	NextEra Energy Inc.	1,807	$5.105M	2.2%	$2825.12	$1173.72	—	COM	65339f101
GOOGL	Alphabet, Inc. Cl A	3,249	$4.998M	2.2%	$1538.32 *	$39.60	+77.7%	COM	02079K305
NOBL	Proshares S&P 500 Div Aristocr	63,102	$4.478M	1.9%	$70.96 *	$72.38	-6.9%	ETF	74348A467
JNJ	Johnson & Johnson	30,434	$4.469M	1.9%	$146.84 *	$114.01	+5.6%	COM	478160104
SCHM	Schwab Dow Jones US Mid-Cap ET	78,497	$4.359M	1.9%	$55.53 *	$14.00	+25.3%	ETF	808524508
—	Merck & Co Inc	54,177	$4.28M	1.8%	$79.00	$47.52	—	COM	58933y105
SCHA	Schwab Dow Jones US Sm-Cap ETF	49,109	$3.368M	1.5%	$68.58 *	$12.94	+26.2%	ETF	808524607
—	Western Asset Muni Hi Income	44,180	$3.234M	1.4%	$73.20	$7.94	—	COM	95766N103
—	Wells Fargo & Co 7.50 Pfd	236	$3.189M	1.4%	$13512.71	$1323.32	—	PFD	949746804
SDY	SPDR S&P Dividend ETF	33,093	$3.109M	1.3%	$93.95 *	$73.41	+24.2%	ETF	78464A763
INTC	Intel Corp	63,800	$3.062M	1.3%	$47.99 *	$48.79	+9.3%	COM	458140100
PG	Procter & Gamble Inc	21,739	$2.857M	1.2%	$131.42 *	$55.49	+87.9%	COM	742718109
GLD	SPDR Gold Shares	14,521	$2.668M	1.2%	$183.73 *	$136.40	+22.7%	ETF	78463V107
VZ	Verizon Communications	46,486	$2.664M	1.2%	$57.31 *	$40.75	-1.9%	COM	92343V104
AMGN	Amgen Inc	10,737	$2.643M	1.1%	$246.16 *	$117.32	+69.5%	COM	031162100
LOW	Lowes Companies	17,425	$2.6M	1.1%	$149.21 *	$63.34	+93.2%	COM	548661107
AMZN	Amazon.com	849	$2.591M	1.1%	$3051.83 *	$78.86	+74.9%	COM	023135106
IJH	iShares S&P Midcap 400 Index	13,501	$2.529M	1.1%	$187.32 *	$25.44	+39.8%	ETF	464287507
PEP	Pepsico	17,810	$2.452M	1.1%	$137.68 *	$56.73	+97.0%	COM	713448108
CSCO	Cisco Systems	52,791	$2.452M	1.1%	$46.45 *	$20.03	+96.4%	COM	17275R102
—	J P Morgan Chase & Co	23,616	$2.291M	1.0%	$97.01	$97.01	—	COM	46625h100
SCHF	Schwab FTSE Developed ex-US ET	70,845	$2.2M	0.9%	$31.05 *	$16.98	-12.4%	ETF	808524805
IJR	iShares S&P Smallcap 600 Index	30,527	$2.188M	0.9%	$71.67 *	$59.98	+13.9%	ETF	464287804
BABA	Alibaba Group Hldg Adr	8,303	$2.099M	0.9%	$252.80 *	$156.20	+38.1%	ADR	01609W102
VOO	Vanguard S&P 500 ETF	6,870	$2.045M	0.9%	$297.67 *	$257.52	+10.1%	ETF	922908363
DIS	Disney Walt Co	17,080	$1.975M	0.9%	$115.63 *	$73.93	+47.4%	COM	254687106
VUG	Vanguard Growth ETF	9,090	$1.946M	0.8%	$214.08 *	$13.58	+148.0%	ETF	922908736
VEU	Vanguard FTSE All-World ex-USA	36,274	$1.825M	0.8%	$50.31 *	$47.91	-0.6%	ETF	922042775
GOOG	Alphabet, Inc. Cl C	1,162	$1.78M	0.8%	$1531.84 *	$38.35	+82.9%	COM	02079K107
VNQ	Vanguard REIT	21,198	$1.728M	0.7%	$81.52 *	$78.30	+0.3%	ETF	922908553
CVS	CVS Health Corporation	26,865	$1.719M	0.7%	$63.99 *	$48.23	+12.7%	COM	126650100
VTV	Vanguard Value ETF	16,138	$1.672M	0.7%	$103.61 *	$83.16	+19.8%	ETF	922908744
LHX	L3Harris Technologies Inc	9,255	$1.603M	0.7%	$173.20 *	$180.03	-15.6%	COM	502431109
UNP	Union Pacific Corp	9,053	$1.564M	0.7%	$172.76 *	$68.42	+118.8%	COM	907818108
V	Visa, Inc.	7,713	$1.497M	0.6%	$194.09 *	$77.98	+138.2%	COM	92826C839
SPY	SPDR S&P 500	4,617	$1.496M	0.6%	$324.02 *	$187.41	+64.5%	ETF	78462F103
BAC	Bank Of America	58,153	$1.445M	0.6%	$24.85 *	$24.46	-15.1%	COM	060505104
BRK/B	Berkshire Hathaway B	7,431	$1.444M	0.6%	$194.32 *	$148.60	+20.1%	COM	084670702
DHR	Danaher Corp	6,587	$1.331M	0.6%	$202.06 *	$35.63	+329.6%	COM	235851102
VIG	Vanguard Div Appreciation	10,697	$1.321M	0.6%	$123.49 *	$100.94	+16.1%	ETF	921908844
PYPL	Paypal Holdings, Inc.	6,667	$1.283M	0.6%	$192.44 *	$42.70	+307.1%	COM	70450Y103
PFE	Pfizer Inc	32,144	$1.245M	0.5%	$38.73 *	$19.67	+21.1%	COM	717081103
MCD	McDonalds Corp	6,302	$1.232M	0.5%	$195.49 *	$81.96	+98.4%	COM	580135101
—	Raytheon Technologies Co	20,860	$1.199M	0.5%	$57.48	$91.00	—	COM	755111507
BMY	Bristol Myers Squibb	20,162	$1.187M	0.5%	$58.87 *	$39.74	+18.6%	COM	110122108
IBM	International Business Machine	9,587	$1.178M	0.5%	$122.87 *	$100.33	-9.0%	COM	459200101
HD	Home Depot	4,340	$1.156M	0.5%	$266.36 *	$180.00	+21.9%	COM	437076102
T	AT&T Corp	37,642	$1.113M	0.5%	$29.57 *	$15.50	+0.4%	COM	00206R102
CVX	ChevronTexaco Corp	12,885	$1.112M	0.5%	$86.30 *	$75.61	-7.3%	COM	166764100
TMO	Thermo Fisher Scientific	2,697	$1.107M	0.5%	$410.46 *	$92.85	+284.8%	COM	883556102
META	Facebook Inc Class A	4,532	$1.063M	0.5%	$234.55 *	$192.35	+17.2%	COM	30303M102
XBI	SPDR S&P Biotech ETF	9,453	$1.058M	0.5%	$111.92	$72.00	+55.5%	ETF	78464A870
MUNI	Pimco Intermediate Muni ETF	17,220	$973K	0.4%	$56.50	$54.81	+1.5%	ETF	72201R866
FISV	Fiserv Inc.	9,655	$970K	0.4%	$100.47 *	$54.43	+79.4%	COM	337738108
EMTL	SPDR DoubleLine EM ETF	19,107	$948K	0.4%	$49.62	$50.69	-3.1%	ETF	78470P309
TFC	Truist Finl Corp	24,040	$895K	0.4%	$37.23 *	$40.71	-28.5%	COM	89832Q109
ROP	Roper Technologies, Inc	2,007	$869K	0.4%	$432.98 *	$172.44	+117.8%	COM	776696106
NVDA	Nvidia Corp	2,040	$866K	0.4%	$424.51 *	$3.38	+180.3%	COM	67066G104
VDC	Vanguard Consumer Staples ETF	5,139	$822K	0.4%	$159.95 *	$123.84	+20.8%	ETF	92204A207
XOM	Exxon-Mobil	19,144	$802K	0.3%	$41.89 *	$53.73	-34.9%	COM	30231G102
—	Quanta Services Inc	19,907	$799K	0.3%	$40.14	$40.14	—	COM	74762e102
AGG	iShares Core Total U.S. AGG	6,565	$785K	0.3%	$119.57	$111.02	+6.5%	ETF	464287226
EMR	Emerson Electric	12,204	$765K	0.3%	$62.68 *	$40.02	+37.8%	COM	291011104
IVW	iShares S&P 500 Barra Gr. Fd.	3,457	$757K	0.3%	$218.98 *	$22.01	+135.7%	ETF	464287309
TIPX	SPDR Blmbrg Brcly 1-10 Yr TIP	3,651	$751K	0.3%	$205.70 *	$19.59	+3.8%	ETF	78468R861
CRM	Salesforce Com	3,849	$738K	0.3%	$191.74 *	$133.84	+38.3%	COM	79466L302
ITW	Illinois Tool Works	3,850	$715K	0.3%	$185.71 *	$94.83	+62.3%	COM	452308109
MA	Mastercard Inc	2,271	$702K	0.3%	$309.11 *	$113.67	+152.2%	COM	57636Q104
ADP	Automatic Data Processing	4,945	$657K	0.3%	$132.86	$46.09	+187.7%	COM	053015103
ABT	Abbott Labs	6,210	$631K	0.3%	$101.61 *	$32.49	+155.2%	COM	002824100
PANW	Palo Alto Networks Inc	2,417	$609K	0.3%	$251.97 *	$26.48	+44.6%	COM	697435105
TJX	TJX Cos Inc	11,759	$607K	0.3%	$51.62 *	$39.67	+18.3%	COM	872540109
SCHB	Schwab Dow Jones US Broad Mkt	7,725	$597K	0.3%	$77.28 *	$12.07	+1.4%	ETF	808524102
XLK	SPDR Technology Select Sector	5,374	$579K	0.2%	$107.74 *	$32.39	+61.3%	ETF	81369Y803
KO	Coca Cola	12,005	$573K	0.2%	$47.73 *	$29.54	+28.1%	COM	191216100
QCOM	Qualcomm Corp	5,160	$553K	0.2%	$107.17 *	$70.96	+14.3%	COM	747525103
CWI	SPDR MSCI Acwi Ex-US	22,380	$536K	0.2%	$23.95 *	$24.35	-7.0%	ETF	78463X848
—	Dominion Energy Inc.	6,565	$535K	0.2%	$81.49	$57.95	—	COM	25746u109
NKE	Nike Inc Class B	5,283	$512K	0.2%	$96.91 *	$45.13	+101.5%	COM	654106103
—	Catchmark Timber Tr	49,923	$499K	0.2%	$10.00	$7.54	—	COM	14912Y202
TSN	Tyson Foods Inc	7,853	$484K	0.2%	$61.63 *	$51.68	-2.0%	COM	902494103
TOTL	SPDR Doubleline Ttl Rtrn	9,682	$483K	0.2%	$49.89	$49.06	+1.0%	ETF	78467V848
STT	State Street Boston Corp	7,550	$479K	0.2%	$63.44 *	$44.55	+19.8%	COM	857477103
MBB	iShares MBS ETF	4,232	$468K	0.2%	$110.59	$108.90	+1.7%	ETF	464288588
BSV	Vanguard Short-Term Bond ETF	5,550	$462K	0.2%	$83.24	$80.64	+3.1%	ETF	921937827
CFG	Citizens Financial Group	18,141	$450K	0.2%	$24.81 *	$26.06	-24.0%	COM	174610105
—	American Tower Corp	1,694	$445K	0.2%	$262.69	$159.81	—	COM	03027x100
IVE	iShares S&P 500 Value	3,887	$437K	0.2%	$112.43 *	$78.42	+38.0%	ETF	464287408
VBR	Vanguard Small-Cap Value ETF	3,860	$429K	0.2%	$111.14 *	$116.05	-7.9%	ETF	922908611
PEG	Public Svc Enterprise	8,182	$429K	0.2%	$52.43 *	$41.12	-0.7%	COM	744573106
LMT	Lockheed Martin Corp	1,093	$417K	0.2%	$381.52 *	$113.41	+176.8%	COM	539830109
—	Chase Corp	3,860	$416K	0.2%	$107.77	$39.81	—	COM	16150r104
WMT	Wal-Mart Stores	3,159	$411K	0.2%	$130.10 *	$31.46	+17.6%	COM	931142103
—	Oracle Systems	6,995	$386K	0.2%	$55.18	$31.79	—	COM	68389x105
MDY	S&P 400 Mid-Cap SPDR	1,085	$371K	0.2%	$341.94 *	$233.25	+39.1%	ETF	78467Y107
LQD	iShares Inv. Grade Corp. Bd.	2,605	$360K	0.2%	$138.20 *	$118.43	+13.6%	ETF	464287242
—	Royal Dutch Shell B Adr	12,141	$354K	0.2%	$29.16	$13.80	—	ADR	780259107
ABBV	AbbVie Inc	3,631	$349K	0.2%	$96.12 *	$46.09	+70.9%	COM	00287Y109
C	Citigroup Inc	6,797	$346K	0.1%	$50.90 *	$44.75	-6.6%	COM	172967424
VTIP	Vanguard Sht-Term Infl Prot Se	6,807	$344K	0.1%	$50.54	$48.38	+3.7%	ETF	922020805
VB	Vanguard Small Cap	2,212	$339K	0.1%	$153.25 *	$121.35	+20.1%	ETF	922908751
NVS	Novartis A G	4,027	$339K	0.1%	$84.18 *	$66.28	+31.8%	ADR	66987V109
AMAT	Applied Materials	5,210	$336K	0.1%	$64.49 *	$25.12	+129.0%	COM	038222105
SWKS	Skyworks Solutions	2,337	$332K	0.1%	$142.06 *	$96.49	+15.6%	COM	83088M102
FLOT	iShares Floating Rate Bond ETF	6,487	$328K	0.1%	$50.56	$50.80	-0.4%	ETF	46429B655
PM	Philip Morris Intl Inc	4,165	$323K	0.1%	$77.55 *	$53.28	+0.2%	COM	718172109
—	Nuveen Inter Dur Qlty Muni	22,675	$322K	0.1%	$14.20	$12.91	—	ETF	670677103
VCSH	Vanguard Short-Term Corp Bond	3,865	$321K	0.1%	$83.05	$80.19	+3.1%	ETF	92206C409
IEF	iShares Barclays 7-10 Yr Govt.	2,602	$320K	0.1%	$122.98	$105.44	+15.6%	ETF	464287440
MMM	3M Company	1,998	$304K	0.1%	$152.15 *	$129.91	-18.0%	COM	88579Y101
ES	Eversource Energy	3,234	$293K	0.1%	$90.60 *	$64.33	+5.5%	COM	30040W108
SUB	iShares Sht-Term National Muni	2,675	$290K	0.1%	$108.41	$106.26	+1.5%	ETF	464288158
BDX	Becton Dickinson	1,028	$282K	0.1%	$274.32 *	$131.16	+63.1%	COM	075887109
DD	Du Pont E I De Nemours	5,096	$274K	0.1%	$53.77 *	$17.44	+14.6%	COM	26614N102
—	Unilever Nv Adr- Netherlands	4,480	$269K	0.1%	$60.04	$41.63	—	ADR	904767704
TSLA	Tesla Motors Inc	178	$265K	0.1%	$1488.76 *	$54.10	+33.1%	COM	88160R101
MTUM	iShares MSCI USA Momentum	1,829	$255K	0.1%	$139.42 *	$121.03	+8.2%	ETF	46432F396
SCHP	Schwab US TIPS ETF	4,128	$253K	0.1%	$61.29 *	$27.71	+8.3%	ETF	808524870
SCHE	Schwab FTSE Emerging Mkt ETF	9,439	$251K	0.1%	$26.59 *	$22.72	+7.2%	ETF	808524706
—	Diageo Plc	1,651	$248K	0.1%	$150.21	$121.98	—	COM	25243q205
GEM	Gldmn Sachs ActiveBeta Emrg Mk	7,441	$246K	0.1%	$33.06 *	$32.27	-6.1%	ETF	381430206
SHOP	Shopify Inc	226	$237K	0.1%	$1048.67 *	$69.41	+36.8%	COM	82509L107
—	Target Corp	1,881	$234K	0.1%	$124.40	$124.40	—	COM	87612e106
ZYXIQ	Zynex Inc	12,244	$231K	0.1%	$18.87 *	$16.74	0.0%	COM	98986M103
—	Altria Group Inc	5,536	$230K	0.1%	$41.55	$61.90	—	COM	02209s103
PPG	PPG Inds Inc	2,076	$225K	0.1%	$108.38 *	$86.36	+10.3%	COM	693506107
FVD	First Trust Value Line Div Idx	7,064	$224K	0.1%	$31.71 *	$33.61	-9.8%	ETF	33734H106
VNQI	Vanguard Int'l REIT	4,610	$220K	0.1%	$47.72 *	$56.05	-16.8%	ETF	922042676
FNDX	Sch Fundamental US Large Co ET	5,415	$207K	0.1%	$38.23 *	$11.79	+4.2%	ETF	808524771
HPE	Hewlett Packard	11,839	$204K	0.1%	$17.23 *	$8.22	-0.1%	COM	42824C109
—	Dow Chemical	4,795	$200K	0.1%	$41.71	$41.71	—	COM	260543103
STZ	Constellation Brands	1,108	$200K	0.1%	$180.51 *	$151.89	+5.2%	COM	21036P108
BND	Vanguard Total Bond Index ETF	2,243	$200K	0.1%	$89.17	$87.42	+1.1%	ETF	921937835
—	General Electric	31,536	$197K	0.1%	$6.25	$3.03	—	COM	369604103
—	Sundial Growers Inc	24,420	$14,000	0.0%	$0.57	$0.57	—	COM	86730L109