Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap ETF	164,879	$13.29M	5.6%	$80.63 *	$12.18	+10.3%	ETF	808524201
SCHD	Schwab Dow Jones US Div Eq ETF	223,198	$12.34M	5.2%	$55.30 *	$16.70	+10.4%	ETF	808524797
SCHZ	Schwab US AGG Bnd ETF	201,717	$11.31M	4.7%	$56.08 *	$25.67	+9.2%	ETF	808524839
AAPL	Apple Inc	84,060	$9.735M	4.1%	$115.81 *	$96.02	+17.2%	COM	037833100
SCHG	Schwab Dow Jones US Large Growth ETF	84,272	$9.706M	4.1%	$115.17 *	$10.47	+37.5%	ETF	808524300
MSFT	Microsoft Corp	36,963	$7.774M	3.2%	$210.32 *	$27.81	+623.8%	COM	594918104
SCHV	Schwab Dow Jones US Large Value ETF	122,058	$6.37M	2.7%	$52.19 *	$12.88	+35.1%	ETF	808524409
FPE	First Trust Preferred Sec & Inc ETF	295,870	$5.672M	2.4%	$19.17	$19.10	+0.4%	ETF	33739E108
SGOL	ETFS Phys. Swiss Gold Shares	307,073	$5.573M	2.3%	$18.15	$18.40	-1.4%	ETF	00326A104
GOOGL	Alphabet Inc. Cl A	3,316	$4.86M	2.0%	$1465.62 *	$40.33	+80.3%	COM	02079K305
NOBL	Proshares S&P 500 Div Aristocrats	64,846	$4.679M	2.0%	$72.16	$72.36	-0.3%	ETF	74348A467
JNJ	Johnson & Johnson	30,491	$4.54M	1.9%	$148.90 *	$114.01	+12.5%	COM	478160104
MRK	Merck & Co Inc	53,867	$4.468M	1.9%	$82.95 *	$65.93	+1.6%	COM	58933Y105
SCHM	Schwab Dow Jones US Mid-Cap ETF	78,244	$4.341M	1.8%	$55.48 *	$14.00	+32.1%	ETF	808524508
SCHA	Schwab Dow Jones US Sm-Cap ETF	48,896	$3.341M	1.4%	$68.33 *	$12.94	+32.0%	ETF	808524607
INTC	Intel Corp	63,778	$3.302M	1.4%	$51.77 *	$48.79	-4.8%	COM	458140100
PG	Procter & Gamble Inc	21,693	$3.015M	1.3%	$138.98 *	$55.49	+119.8%	COM	742718109
SDY	SPDR S&P Dividend ETF	32,138	$2.97M	1.2%	$92.41	$73.41	+25.9%	ETF	78464A763
AMZN	Amazon.com	922	$2.903M	1.2%	$3148.59 *	$85.10	+85.0%	COM	023135106
LOW	Lowes Companies	17,352	$2.878M	1.2%	$165.86 *	$63.34	+138.0%	COM	548661107
BABA	Alibaba Group Hldg Adr	9,638	$2.833M	1.2%	$293.94	$171.06	+71.9%	ADR	01609W102
VZ	Verizon Communications	47,557	$2.829M	1.2%	$59.49 *	$40.79	+6.9%	COM	92343V104
AMGN	Amgen Inc	10,718	$2.724M	1.1%	$254.15 *	$117.32	+83.8%	COM	031162100
MDT	Medtronic plc	25,287	$2.628M	1.1%	$103.93 *	$86.23	+4.0%	COM	G5960L103
GLD	SPDR Gold Shares	14,814	$2.624M	1.1%	$177.13	$137.26	+29.0%	ETF	78463V107
PEP	Pepsico	17,860	$2.475M	1.0%	$138.58 *	$56.73	+107.9%	COM	713448108
IJH	iShares S&P Midcap 400 Index ETF	13,132	$2.433M	1.0%	$185.27 *	$25.44	+45.7%	ETF	464287507
JPM	J P Morgan Chase & Co	24,031	$2.313M	1.0%	$96.25 *	$85.44	-2.0%	COM	46625H100
VOO	Vanguard S&P 500 ETF	7,462	$2.296M	1.0%	$307.69	$261.26	+17.8%	ETF	922908363
SCHF	Schwab FTSE Developed ex-US ETF	70,810	$2.223M	0.9%	$31.39 *	$16.98	-7.5%	ETF	808524805
IJR	iShares S&P Smallcap 600 Index ETF	30,254	$2.125M	0.9%	$70.24	$59.98	+17.1%	ETF	464287804
DIS	Disney Walt Co	17,095	$2.121M	0.9%	$124.07 *	$73.93	+64.0%	COM	254687106
VUG	Vanguard Growth ETF	9,090	$2.069M	0.9%	$227.61 *	$13.58	+179.3%	ETF	922908736
CSCO	Cisco Systems	47,915	$1.887M	0.8%	$39.38 *	$20.03	+67.2%	COM	17275R102
UNP	Union Pacific Corp	9,328	$1.836M	0.8%	$196.83 *	$71.27	+145.8%	COM	907818108
VEU	Vanguard FTSE All-World ex-USA ETF	35,878	$1.81M	0.8%	$50.45	$47.91	+5.3%	ETF	922042775
GOOG	Alphabet Inc. Cl C	1,138	$1.672M	0.7%	$1469.24 *	$38.35	+90.2%	COM	02079K107
VNQ	Vanguard REIT	21,148	$1.67M	0.7%	$78.97	$78.30	+0.8%	ETF	922908553
VTV	Vanguard Value ETF	15,863	$1.658M	0.7%	$104.52	$83.16	+25.7%	ETF	922908744
LHX	L3Harris Technologies Inc	9,459	$1.607M	0.7%	$169.89 *	$179.53	-14.9%	COM	502431109
CVS	CVS Health Corporation	27,102	$1.583M	0.7%	$58.41 *	$48.23	+2.1%	COM	126650100
BRK/B	Berkshire Hathaway B	7,396	$1.575M	0.7%	$212.95	$148.60	+43.3%	COM	084670702
SPY	SPDR S&P 500 ETF	4,652	$1.558M	0.7%	$334.91	$187.41	+78.7%	ETF	78462F103
V	Visa Inc.	7,733	$1.546M	0.6%	$199.92 *	$77.98	+146.9%	COM	92826C839
DHR	Danaher Corp	6,968	$1.5M	0.6%	$215.27 *	$43.18	+332.1%	COM	235851102
VIG	Vanguard Div Appreciation ETF	11,069	$1.424M	0.6%	$128.65	$101.77	+26.4%	ETF	921908844
BAC	Bank Of America	57,574	$1.387M	0.6%	$24.09 *	$24.46	-13.3%	COM	060505104
MCD	McDonalds Corp	6,283	$1.379M	0.6%	$219.48 *	$81.96	+137.5%	COM	580135101
PYPL	Paypal Holdings Inc.	6,773	$1.334M	0.6%	$196.96	$44.97	+337.1%	COM	70450Y103
META	Facebook Inc Class A	4,972	$1.302M	0.5%	$261.87	$197.99	+31.4%	COM	30303M102
TMO	Thermo Fisher Scientific	2,940	$1.298M	0.5%	$441.50	$118.84	+266.5%	COM	883556102
HD	Home Depot	4,448	$1.235M	0.5%	$277.65 *	$181.40	+34.8%	COM	437076102
IBM	International Business Machines	10,005	$1.217M	0.5%	$121.64 *	$100.06	-6.8%	COM	459200101
PFE	Pfizer Inc	32,644	$1.198M	0.5%	$36.70 *	$19.79	+36.5%	COM	717081103
TIPX	SPDR Blmbrg Brcly 1-10 Yr TIP	57,678	$1.196M	0.5%	$20.74	$20.57	+0.8%	ETF	78468R861
NVDA	Nvidia Corp	2,205	$1.193M	0.5%	$541.04 *	$3.99	+237.9%	COM	67066G104
CRM	Salesforce Com	4,724	$1.187M	0.5%	$251.27	$149.11	+66.5%	COM	79466L302
BMY	Bristol Myers Squibb	19,560	$1.179M	0.5%	$60.28 *	$39.74	+22.5%	COM	110122108
XBI	SPDR S&P Biotech ETF	9,740	$1.085M	0.5%	$111.40	$73.18	+52.3%	ETF	78464A870
PWR	Quanta Services Inc	19,907	$1.052M	0.4%	$52.85	$46.03	+13.7%	COM	74762E102
GPN	Global Payments Inc.	5,838	$1.037M	0.4%	$177.63 *	$165.35	+2.7%	COM	37940X102
FISV	Fiserv Inc.	9,941	$1.024M	0.4%	$103.01	$55.73	+84.9%	COM	337738108
T	AT&T Corp	35,306	$1.007M	0.4%	$28.52 *	$15.50	-3.1%	COM	00206R102
EMTL	SPDR DoubleLine EM ETF	19,300	$963K	0.4%	$49.90	$50.68	-1.5%	ETF	78470P309
TFC	Truist Finl Corp	24,651	$938K	0.4%	$38.05 *	$40.43	-26.2%	COM	89832Q109
CVX	ChevronTexaco Corp	12,631	$909K	0.4%	$71.97 *	$75.61	-24.1%	COM	166764100
RTX	Raytheon Technologies Co	15,678	$902K	0.4%	$57.53 *	$53.70	-5.2%	COM	75513E101
MUNI	Pimco Intermediate Muni ETF	15,926	$895K	0.4%	$56.20	$54.81	+2.5%	ETF	72201R866
VDC	Vanguard Consumer Staples ETF	5,139	$840K	0.4%	$163.46	$123.84	+31.9%	ETF	92204A207
EMR	Emerson Electric	12,204	$800K	0.3%	$65.55 *	$40.02	+46.7%	COM	291011104
ROP	Roper Technologies Inc	2,017	$797K	0.3%	$395.14 *	$172.44	+121.9%	COM	776696106
IVW	iShares S&P 500 Barra Gr. Fd.	3,437	$794K	0.3%	$231.02 *	$22.01	+162.5%	ETF	464287309
PBE	Invesco Biotech & Genomics ETF	13,941	$789K	0.3%	$56.60	$58.75	-3.6%	ETF	46137V787
AGG	iShares Core Total U.S. AGG	6,567	$775K	0.3%	$118.01	$111.02	+6.3%	ETF	464287226
MA	Mastercard Inc	2,286	$773K	0.3%	$338.15 *	$113.67	+188.8%	COM	57636Q104
ITW	Illinois Tool Works	3,762	$727K	0.3%	$193.25 *	$94.83	+80.4%	COM	452308109
NKE	Nike Inc Class B	5,536	$695K	0.3%	$125.54 *	$47.62	+145.0%	COM	654106103
ADP	Automatic Data Processing	4,945	$690K	0.3%	$139.53 *	$46.09	+171.4%	COM	053015103
ABT	Abbott Labs	6,210	$676K	0.3%	$108.86 *	$32.49	+205.0%	COM	002824100
XOM	Exxon-Mobil	19,550	$671K	0.3%	$34.32 *	$53.29	-48.6%	COM	30231G102
TJX	TJX Cos Inc	11,934	$664K	0.3%	$55.64 *	$39.82	+29.8%	COM	872540109
MDLZ	Mondelez Intl Inc Cl A	11,053	$635K	0.3%	$57.45 *	$39.52	+27.5%	COM	609207105
XLK	SPDR Technology Select Sector	5,416	$632K	0.3%	$116.69 *	$32.39	+80.2%	ETF	81369Y803
SWK	Stanley Works	3,893	$631K	0.3%	$162.09 *	$131.16	+4.5%	COM	854502101
QCOM	Qualcomm Corp	5,310	$625K	0.3%	$117.70 *	$71.65	+46.8%	COM	747525103
SCHB	Schwab Dow Jones US Broad Mkt ETF	7,785	$620K	0.3%	$79.64 *	$12.07	+9.9%	ETF	808524102
PANW	Palo Alto Networks Inc	2,467	$604K	0.3%	$244.83 *	$26.78	+52.3%	COM	697435105
KO	Coca Cola	12,005	$593K	0.2%	$49.40 *	$29.54	+42.7%	COM	191216100
JHSC	JH/DFA Small Cap Value ETF	21,280	$519K	0.2%	$24.39	$24.63	-1.0%	ETF	47804J842
TOTL	SPDR Doubleline Ttl Rtrn	10,502	$518K	0.2%	$49.32	$49.10	+0.4%	ETF	78467V848
D	Dominion Res Inc Va	6,565	$518K	0.2%	$78.90 *	$62.04	+1.3%	COM	25746U109
NEE	NextEra Energy Inc.	1,827	$507K	0.2%	$277.50 *	$60.28	+0.8%	COM	65339F101
WMT	Wal-Mart Stores	3,609	$505K	0.2%	$139.93 *	$32.69	+32.8%	COM	931142103
CWI	SPDR MSCI Acwi Ex-US	20,454	$492K	0.2%	$24.05	$24.35	-1.2%	ETF	78463X848
—	Catchmark Timber Tr	53,692	$479K	0.2%	$8.92	$7.64	—	COM	14912Y202
LMT	Lockheed Martin Corp	1,243	$476K	0.2%	$382.94 *	$139.43	+137.9%	COM	539830109
TSN	Tyson Foods Inc	7,855	$467K	0.2%	$59.45 *	$51.68	-1.8%	COM	902494103
BSV	Vanguard Short-Term Bond ETF	5,560	$462K	0.2%	$83.09	$80.64	+3.0%	ETF	921937827
VO	Vanguard Mid-Cap ETF	2,621	$462K	0.2%	$176.27 *	$43.58	+1.1%	ETF	922908629
AMT	American Tower Corp	1,908	$461K	0.2%	$241.61 *	$216.72	-4.2%	COM	03027X100
PEG	Public Svc Enterprise	8,282	$455K	0.2%	$54.94 *	$41.15	+11.9%	COM	744573106
STT	State Street Boston Corp	7,550	$448K	0.2%	$59.34 *	$44.55	+12.8%	COM	857477103
CFG	Citizens Financial Group	17,416	$440K	0.2%	$25.26 *	$26.06	-22.7%	COM	174610105
AON	AON Corp	2,117	$437K	0.2%	$206.42 *	$191.78	+3.4%	ADR	G0403H108
IVE	iShares S&P 500 Value ETF	3,887	$437K	0.2%	$112.43	$78.42	+43.4%	ETF	464287408
ORCL	Oracle Systems	6,995	$418K	0.2%	$59.76 *	$52.75	+5.1%	COM	68389X105
VBR	Vanguard Small-Cap Value ETF	3,701	$409K	0.2%	$110.51	$116.05	-4.7%	ETF	922908611
VTIP	Vanguard Sht-Term Infl Prot Sec ETF	7,789	$397K	0.2%	$50.97	$48.68	+4.8%	ETF	922020805
ABBV	AbbVie Inc	4,237	$371K	0.2%	$87.56 *	$50.41	+41.1%	COM	00287Y109
MBB	iShares MBS ETF	3,337	$368K	0.2%	$110.28	$108.90	+1.4%	ETF	464288588
AVGO	Broadcom Limited	999	$364K	0.2%	$364.36 *	$29.64	+9.6%	COM	11135F101
MDY	S&P 400 Mid-Cap SPDR ETF	1,070	$363K	0.2%	$339.25	$233.25	+45.3%	ETF	78467Y107
—	Chase Corp	3,790	$362K	0.2%	$95.51	$95.51	—	COM	16150R104
LQD	iShares Inv. Grade Corp. Bd.	2,605	$351K	0.1%	$134.74	$118.43	+13.7%	ETF	464287242
NVS	Novartis A G	4,027	$350K	0.1%	$86.91	$66.28	+31.2%	ADR	66987V109
SWKS	Skyworks Solutions	2,337	$340K	0.1%	$145.49 *	$96.49	+32.0%	COM	83088M102
—	Western Asset Muni Hi Income	44,467	$331K	0.1%	$7.44	$7.94	—	ETF	95766N103
FLOT	iShares Floating Rate Bond ETF	6,491	$329K	0.1%	$50.69	$50.80	-0.2%	ETF	46429B655
—	Nuveen Inter Dur Qlty Muni	22,787	$326K	0.1%	$14.31	$12.91	—	ETF	670677103
IEF	iShares Barclays 7-10 Yr Govt.	2,643	$322K	0.1%	$121.83	$105.69	+15.3%	ETF	464287440
VCSH	Vanguard Short-Term Corp Bond ETF	3,878	$321K	0.1%	$82.77	$80.19	+3.3%	ETF	92206C409
VOOG	Vanguard S&P 500 Growth	1,535	$320K	0.1%	$208.47 *	$34.00	+2.2%	ETF	921932505
—	Wells Fargo & Co 7.50pcnt Pfd	238	$319K	0.1%	$1340.34	$1323.32	—	PFD	949746804
MMM	3M Company	1,968	$315K	0.1%	$160.06 *	$129.91	-15.0%	COM	88579Y101
TSLA	Tesla Motors Inc	732	$314K	0.1%	$428.96 *	$102.51	+39.5%	COM	88160R101
SCHP	Schwab US TIPS ETF	5,031	$310K	0.1%	$61.62 *	$28.23	+9.2%	ETF	808524870
AMAT	Applied Materials	5,210	$310K	0.1%	$59.50 *	$25.12	+126.0%	COM	038222105
PGX	Invesco Preferred	20,340	$300K	0.1%	$14.75	$14.67	+0.4%	PFD	46138E511
PM	Philip Morris Intl Inc	3,976	$298K	0.1%	$74.95 *	$53.28	+8.9%	COM	718172109
TGT	Target Corp	1,883	$296K	0.1%	$157.20 *	$118.66	+15.0%	COM	87612E106
VB	Vanguard Small Cap ETF	1,912	$294K	0.1%	$153.77	$121.35	+26.7%	ETF	922908751
SUB	iShares Sht-Term National Muni ETF	2,680	$290K	0.1%	$108.21	$106.26	+1.7%	ETF	464288158
DD	Du Pont E I De Nemours	5,096	$283K	0.1%	$55.53 *	$17.44	+20.3%	ADR	26614N102
—	Unilever Nv Adr- Netherlands	4,680	$283K	0.1%	$60.47	$60.47	—	ADR	904784709
C	Citigroup Inc	6,278	$271K	0.1%	$43.17 *	$44.75	-20.4%	COM	172967424
MTUM	iShares MSCI USA Momentum	1,829	$270K	0.1%	$147.62	$121.03	+21.8%	ETF	46432F396
BX	Blackstone Group Lp	5,134	$268K	0.1%	$52.20 *	$44.51	-2.2%	COM	09260D107
ES	Eversource Energy	3,134	$262K	0.1%	$83.60 *	$64.33	+6.5%	COM	30040W108
VOE	Vanguard Mid Cap Value ETF	2,465	$250K	0.1%	$101.42	$101.30	+0.1%	ETF	922908512
PPG	PPG Inds Inc	2,020	$247K	0.1%	$122.28 *	$86.36	+27.6%	COM	693506107
STZ	Constellation Brands	1,288	$244K	0.1%	$189.44 *	$154.00	+12.9%	COM	21036P108
SCHE	Schwab FTSE Emerging Mkt ETF	9,071	$243K	0.1%	$26.79	$22.72	+17.8%	ETF	808524706
XITK	SPDR Sr Innovative Tech	1,427	$241K	0.1%	$168.89	$160.65	+5.1%	ETF	78464A110
LLY	Lilly Eli & Co	1,622	$240K	0.1%	$147.97 *	$145.78	-4.1%	COM	532457108
BDX	Becton Dickinson	1,028	$239K	0.1%	$232.49 *	$131.16	+59.1%	COM	075887109
GEM	Gldmn Sachs ActiveBeta Emrg Mkts	7,255	$238K	0.1%	$32.80	$32.27	+1.6%	ETF	381430206
ZYXIQ	Zynex Inc	13,544	$236K	0.1%	$17.42 *	$16.76	+0.7%	COM	98986M103
DEO	Diageo Plc	1,651	$227K	0.1%	$137.49	$137.89	-0.2%	COM	25243Q205
SPLV	Invesco S&P 500 Low Volatility ETF	4,237	$227K	0.1%	$53.58	$53.07	+1.1%	ETF	46138E354
DOW	Dow Chemical	4,795	$226K	0.1%	$47.13 *	$33.48	+5.7%	COM	260557103
PGF	Invesco Financial Pfd	12,009	$225K	0.1%	$18.74	$18.57	+0.9%	PFD	46137V621
VNQI	Vanguard Intl REIT	4,610	$224K	0.1%	$48.59	$56.05	-13.3%	ETF	922042676
HPQ	Hewlett Packard	11,696	$222K	0.1%	$18.98 *	$15.17	+4.8%	COM	40434L105
SHOP	Shopify Inc	215	$220K	0.1%	$1023.26 *	$69.41	+47.4%	COM	82509L107
RSP	Invesco S&P 500 Eq. Wgt. ETF	2,023	$219K	0.1%	$108.26	$107.93	+0.2%	ETF	46137V357
NSC	Norfolk Southern Corp	1,000	$214K	0.1%	$214.00 *	$179.92	+6.7%	COM	655844108
MO	Altria Group Inc	5,536	$214K	0.1%	$38.66 *	$27.18	-5.7%	COM	02209S103
NIO	NIO Inc.Adr	9,990	$212K	0.1%	$21.22	$15.40	+37.8%	ADR	62914V106
FNDX	Sch Fundamental US Large Co ETF	5,459	$211K	0.1%	$38.65 *	$11.79	+9.5%	ETF	808524771
SYY	Sysco Inc	3,254	$202K	0.1%	$62.08 *	$50.42	+6.9%	COM	871829107
—	HACK- PureFunds ISE Cyber Security ETF	4,308	$200K	0.1%	$46.43	$46.43	—	ETF	26924G201
—	Osisko Gold Royaltie	11,370	$135K	0.1%	$11.87	$11.87	—	COM	68827L101
CRMD	CorMedix Inc.	15,282	$92,000	0.0%	$6.02	$5.02	+20.1%	COM	21900C308