Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
NVS	Novartis A G	3,739	$353M	56.8%	$94430.06 *	$66.28	+42.5%	COM	66987V109
SCHX	Schwab Dow Jones US Large Cap ETF	169,019	$15.37M	2.5%	$90.95 *	$12.24	+23.9%	ETF	808524201
SCHD	Schwab Dow Jones US Div Eq ETF	2,291,024	$14.7M	2.4%	$6.41 *	$19.93	+7.3%	ETF	808524797
SCHZ	Schwab US AGG Bnd ETF	200,909	$11.26M	1.8%	$56.03 *	$25.67	+9.1%	ETF	808524839
AAPL	Apple, Inc	83,284	$11.05M	1.8%	$132.69 *	$96.02	+34.5%	COM	037833100
SCHG	Schwab Dow Jones US Large Growth ETF	83,876	$10.77M	1.7%	$128.42 *	$10.47	+53.3%	ETF	808524300
MSFT	Microsoft Corp	36,676	$8.157M	1.3%	$222.41 *	$27.81	+667.4%	COM	594918104
SCHV	Schwab Dow Jones US Large Value ETF	120,721	$7.187M	1.2%	$59.53 *	$12.88	+54.1%	ETF	808524409
ABT	Abbott Labs	6,210	$6.8M	1.1%	$1095.01 *	$32.49	+207.9%	COM	002824100
FPE	First Trust Preferred Sec & Inc ETF	300,528	$6.068M	1.0%	$20.19	$19.11	+5.7%	ETF	33739E108
GOOGL	Alphabet, Inc. Cl A	3,316	$5.812M	0.9%	$1752.71 *	$40.33	+115.7%	COM	02079K305
NOBL	Proshares S&P 500 Div Aristocrats	66,808	$5.337M	0.9%	$79.89	$72.50	+10.2%	ETF	74348A467
SCHM	Schwab Dow Jones US Mid-Cap ETF	78,186	$5.331M	0.9%	$68.18 *	$14.00	+62.3%	ETF	808524508
D	Dominion Res Inc Va	6,565	$4.934M	0.8%	$751.56 *	$62.04	-2.7%	COM	25746U109
JNJ	Johnson & Johnson	29,846	$4.697M	0.8%	$157.37 *	$114.01	+19.8%	COM	478160104
MRK	Merck & Co Inc	53,742	$4.396M	0.7%	$81.80 *	$65.93	+1.0%	COM	58933Y105
SCHA	Schwab Dow Jones US Sm-Cap ETF	48,951	$4.357M	0.7%	$89.01 *	$12.94	+71.9%	ETF	808524607
SDY	SPDR S&P Dividend ETF	32,088	$3.399M	0.5%	$105.93	$73.41	+44.3%	ETF	78464A763
AMZN	Amazon.com	941	$3.065M	0.5%	$3257.17 *	$86.60	+88.0%	COM	023135106
JPM	J P Morgan Chase & Co	24,065	$3.058M	0.5%	$127.07 *	$85.44	+30.6%	COM	46625H100
PG	Procter & Gamble Inc	21,627	$3.009M	0.5%	$139.13 *	$55.49	+121.3%	COM	742718109
MDT	Medtronic plc	25,287	$2.962M	0.5%	$117.14 *	$86.23	+17.8%	COM	G5960L103
DIS	Disney Walt Co	16,125	$2.921M	0.5%	$181.15 *	$73.93	+139.4%	COM	254687106
IJH	iShares S&P Midcap 400 Index ETF	12,681	$2.914M	0.5%	$229.79 *	$25.44	+80.6%	ETF	464287507
GLD	SPDR Gold Shares	16,219	$2.893M	0.5%	$178.37	$140.62	+26.8%	ETF	78463V107
INTC	Intel Corp	57,498	$2.865M	0.5%	$49.83 *	$48.79	-7.7%	COM	458140100
VZ	Verizon Communications	47,419	$2.786M	0.4%	$58.75 *	$40.79	+6.7%	COM	92343V104
IJR	iShares S&P Smallcap 600 Index ETF	30,234	$2.779M	0.4%	$91.92	$59.98	+53.2%	ETF	464287804
LOW	Lowes Companies	17,093	$2.744M	0.4%	$160.53 *	$63.34	+131.1%	COM	548661107
VOO	Vanguard S&P 500 ETF	7,967	$2.738M	0.4%	$343.67	$265.37	+29.5%	ETF	922908363
PEP	Pepsico	17,598	$2.61M	0.4%	$148.31 *	$56.73	+124.1%	COM	713448108
SCHF	Schwab FTSE Developed ex-US ETF	720,914	$2.596M	0.4%	$3.60 *	$16.87	+6.7%	ETF	808524805
AMGN	Amgen Inc	10,620	$2.442M	0.4%	$229.94 *	$117.32	+67.4%	COM	031162100
VUG	Vanguard Growth ETF	9,028	$2.287M	0.4%	$253.32 *	$13.58	+210.9%	ETF	922908736
BABA	Alibaba Group Hldg Adr	9,275	$2.159M	0.3%	$232.78	$171.06	+36.1%	ADR	01609W102
VEU	Vanguard FTSE All-World ex-USA ETF	36,674	$2.14M	0.3%	$58.35	$48.06	+21.4%	ETF	922042775
GOOG	Alphabet, Inc. Cl C	1,136	$1.99M	0.3%	$1751.76 *	$38.35	+126.7%	COM	02079K107
UNP	Union Pacific Corp	9,328	$1.942M	0.3%	$208.19 *	$71.27	+161.2%	COM	907818108
TIPX	SPDR Blmbrg Brcly 1-10 Yr TIP	89,100	$1.863M	0.3%	$20.91	$20.61	+1.5%	ETF	78468R861
VTV	Vanguard Value ETF	15,539	$1.849M	0.3%	$118.99	$83.16	+43.1%	ETF	922908744
VNQ	Vanguard REIT	21,581	$1.833M	0.3%	$84.94	$78.39	+8.3%	ETF	922908553
LHX	L3Harris Technologies Inc	9,589	$1.813M	0.3%	$189.07 *	$179.34	-4.8%	COM	502431109
CVS	CVS Health Corporation	25,859	$1.766M	0.3%	$68.29 *	$48.23	+20.4%	COM	126650100
PYPL	Paypal Holdings, Inc.	7,486	$1.753M	0.3%	$234.17	$60.37	+287.0%	COM	70450Y103
CSCO	Cisco Systems	38,782	$1.735M	0.3%	$44.74 *	$20.03	+91.7%	COM	17275R102
SPY	SPDR S&P 500 ETF	4,615	$1.725M	0.3%	$373.78	$187.41	+99.5%	ETF	78462F103
BAC	Bank Of America	56,843	$1.723M	0.3%	$30.31 *	$24.46	+9.8%	COM	060505104
V	Visa, Inc.	7,733	$1.691M	0.3%	$218.67 *	$77.98	+170.5%	COM	92826C839
BRK/B	Berkshire Hathaway B	7,131	$1.653M	0.3%	$231.80	$148.60	+56.0%	COM	084670702
VIG	Vanguard Div Appreciation ETF	11,067	$1.562M	0.3%	$141.14	$101.77	+38.7%	ETF	921908844
DHR	Danaher Corp	6,938	$1.541M	0.2%	$222.11 *	$43.18	+346.1%	COM	235851102
XBI	SPDR S&P Biotech ETF	10,670	$1.502M	0.2%	$140.77	$77.97	+80.6%	ETF	78464A870
TMO	Thermo Fisher Scientific	3,082	$1.436M	0.2%	$465.93	$134.68	+241.3%	COM	883556102
PWR	Quanta Services Inc	19,006	$1.369M	0.2%	$72.03	$46.03	+55.1%	COM	74762E102
MCD	McDonalds Corp	6,284	$1.348M	0.2%	$214.51 *	$81.96	+133.6%	COM	580135101
IBM	International Business Machines	10,177	$1.281M	0.2%	$125.87 *	$99.95	-2.1%	COM	459200101
NVDA	Nvidia Corp	2,420	$1.264M	0.2%	$522.31 *	$4.82	+169.9%	COM	67066G104
EMTL	SPDR DoubleLine EM ETF	24,322	$1.245M	0.2%	$51.19	$50.62	+1.2%	ETF	78470P309
GPN	Global Payments, Inc.	5,737	$1.236M	0.2%	$215.44 *	$165.35	+24.7%	COM	37940X102
BMY	Bristol Myers Squibb	19,710	$1.223M	0.2%	$62.05 *	$39.74	+28.0%	COM	110122108
PFE	Pfizer Inc	32,652	$1.202M	0.2%	$36.81 *	$19.79	+45.8%	COM	717081103
TFC	Truist Finl Corp	25,009	$1.199M	0.2%	$47.94 *	$40.36	-6.1%	COM	89832Q109
HD	Home Depot	4,390	$1.166M	0.2%	$265.60 *	$181.40	+29.6%	COM	437076102
META	Facebook Inc Class A	4,182	$1.142M	0.2%	$273.08	$197.99	+37.0%	COM	30303M102
CVX	ChevronTexaco Corp	13,427	$1.134M	0.2%	$84.46 *	$74.99	-8.9%	COM	166764100
FISV	Fiserv Inc.	9,880	$1.125M	0.2%	$113.87	$55.73	+104.3%	COM	337738108
RTX	Raytheon Technologies Co	14,907	$1.066M	0.2%	$71.51 *	$53.70	+18.7%	COM	75513E101
CRM	Salesforce Com	4,547	$1.012M	0.2%	$222.56	$149.11	+47.4%	COM	79466L302
EMR	Emerson Electric	12,204	$981K	0.2%	$80.38 *	$40.02	+81.0%	COM	291011104
NKE	Nike Inc Class B	6,513	$921K	0.1%	$141.41 *	$58.96	+123.4%	COM	654106103
VDC	Vanguard Consumer Staples ETF	5,139	$894K	0.1%	$173.96	$123.84	+40.4%	ETF	92204A207
PBE	Invesco Biotech & Genomics ETF	12,741	$894K	0.1%	$70.17	$58.75	+19.4%	ETF	46137V787
JHSC	JH/DFA Small Cap Value ETF	28,809	$883K	0.1%	$30.65	$25.50	+20.2%	ETF	47804J842
PANW	Palo Alto Networks Inc	2,467	$877K	0.1%	$355.49 *	$26.78	+121.2%	COM	697435105
IVW	iShares S&P 500 Barra Gr. Fd.	13,728	$876K	0.1%	$63.81	$50.96	+25.2%	ETF	464287309
ADP	Automatic Data Processing	4,945	$871K	0.1%	$176.14 *	$46.09	+244.6%	COM	053015103
ROP	Roper Technologies, Inc	2,017	$870K	0.1%	$431.33 *	$172.44	+142.4%	COM	776696106
T	AT&T Corp	29,983	$862K	0.1%	$28.75 *	$15.50	+0.2%	COM	00206R102
MA	Mastercard Inc	2,406	$859K	0.1%	$357.02 *	$124.13	+179.5%	COM	57636Q104
TJX	TJX Cos Inc	11,684	$798K	0.1%	$68.30 *	$39.82	+59.2%	COM	872540109
ITW	Illinois Tool Works	3,710	$756K	0.1%	$203.77 *	$94.83	+91.5%	COM	452308109
XLK	SPDR Technology Select Sector	5,755	$748K	0.1%	$129.97 *	$34.07	+90.8%	ETF	81369Y803
XOM	Exxon-Mobil	18,006	$742K	0.1%	$41.21 *	$53.29	-36.8%	COM	30231G102
SWK	Stanley Works	3,893	$695K	0.1%	$178.53 *	$131.16	+15.4%	COM	854502101
SCHB	Schwab Dow Jones US Broad Mkt ETF	7,285	$663K	0.1%	$91.01 *	$12.07	+25.6%	ETF	808524102
KO	Coca Cola	11,869	$651K	0.1%	$54.85 *	$29.54	+59.7%	COM	191216100
AGG	iShares Core Total U.S. AGG	5,460	$645K	0.1%	$118.13	$111.02	+6.5%	ETF	464287226
VO	Vanguard Mid-Cap ETF	3,088	$639K	0.1%	$206.93 *	$44.31	+16.7%	ETF	922908629
MDLZ	Mondelez Intl Inc Cl A	10,726	$627K	0.1%	$58.46 *	$39.52	+30.5%	COM	609207105
CWI	SPDR MSCI Acwi Ex-US	21,245	$587K	0.1%	$27.63	$24.41	+13.3%	ETF	78463X848
NEE	NextEra Energy Inc.	7,448	$575K	0.1%	$77.20 *	$64.32	+5.5%	COM	65339F101
—	Catchmark Timber Tr	59,487	$557K	0.1%	$9.36	$7.81	—	COM	14912Y202
WMT	Wal-Mart Stores	3,759	$542K	0.1%	$144.19 *	$33.19	+35.3%	COM	931142103
VBR	Vanguard Small-Cap Value ETF	3,787	$539K	0.1%	$142.33	$116.34	+22.2%	ETF	922908611
TOTL	SPDR Doubleline Ttl Rtrn	10,924	$538K	0.1%	$49.25	$49.11	+0.4%	ETF	78467V848
TSN	Tyson Foods Inc	7,856	$506K	0.1%	$64.41 *	$51.68	+7.2%	COM	902494103
IVE	iShares S&P 500 Value ETF	3,887	$498K	0.1%	$128.12	$78.42	+63.2%	ETF	464287408
AVGO	Broadcom Limited	1,119	$490K	0.1%	$437.89 *	$30.20	+30.4%	COM	11135F101
PEG	Public Svc Enterprise	8,220	$479K	0.1%	$58.27 *	$41.15	+19.8%	COM	744573106
BSV	Vanguard Short-Term Bond ETF	5,578	$462K	0.1%	$82.83	$80.64	+2.8%	ETF	921937827
STT	State Street Boston Corp	6,250	$455K	0.1%	$72.80 *	$44.55	+39.3%	COM	857477103
MDY	S&P 400 Mid-Cap SPDR ETF	1,083	$455K	0.1%	$420.13	$235.07	+78.6%	ETF	78467Y107
ORCL	Oracle Systems	6,995	$453K	0.1%	$64.76 *	$52.75	+14.4%	COM	68389X105
AON	AON Corp	2,117	$447K	0.1%	$211.15 *	$191.78	+6.1%	COM	G0403H108
LMT	Lockheed Martin Corp	1,243	$441K	0.1%	$354.79 *	$139.43	+121.9%	COM	539830109
AMT	American Tower Corp	1,908	$428K	0.1%	$224.32 *	$216.72	-10.6%	COM	03027X100
CFG	Citizens Financial Group	11,900	$426K	0.1%	$35.80 *	$26.06	+10.9%	COM	174610105
ABBV	AbbVie Inc	3,937	$422K	0.1%	$107.19 *	$50.41	+74.9%	COM	00287Y109
VTIP	Vanguard Sht-Term Infl Prot Sec ETF	7,881	$403K	0.1%	$51.14	$48.70	+4.9%	ETF	922020805
—	Chase Corp	3,790	$383K	0.1%	$101.06	$95.51	—	COM	16150R104
SWKS	Skyworks Solutions	2,452	$375K	0.1%	$152.94 *	$97.98	+37.1%	COM	83088M102
VB	Vanguard Small Cap ETF	1,912	$372K	0.1%	$194.56	$121.35	+60.4%	ETF	922908751
MBB	iShares MBS ETF	3,350	$369K	0.1%	$110.15	$108.90	+1.1%	ETF	464288588
—	Wells Fargo & Co 7.5prcnt Pfd	240	$364K	0.1%	$1516.67	$1323.32	—	PFD	949746804
XITK	SPDR Sr Innovative Tech	1,660	$357K	0.1%	$215.06	$164.94	+30.4%	ETF	78464A110
VOOG	Vanguard S&P 500 Growth	1,535	$353K	0.1%	$229.97 *	$34.00	+12.8%	ETF	921932505
LQD	iShares Inv. Grade Corp. Bd.	2,497	$345K	0.1%	$138.17	$118.43	+16.6%	ETF	464287242
MMM	3M Company	1,968	$344K	0.1%	$174.80 *	$129.91	-6.4%	COM	88579Y101
PM	Philip Morris Intl Inc	4,077	$338K	0.1%	$82.90 *	$53.46	+21.6%	COM	718172109
—	Nuveen Inter Dur Qlty Muni	22,969	$338K	0.1%	$14.72	$12.91	—	ETF	670677103
—	Western Asset Muni Hi Income	44,862	$337K	0.1%	$7.51	$7.94	—	ETF	95766N103
BX	Blackstone Group Lp	5,144	$334K	0.1%	$64.93 *	$44.51	+22.5%	COM	09260D107
C	Citigroup Inc	5,404	$333K	0.1%	$61.62 *	$44.75	+15.2%	COM	172967424
FLOT	iShares Floating Rate Bond ETF	6,497	$330K	0.1%	$50.79	$50.80	-0.2%	ETF	46429B655
PGX	Invesco Preferred	21,395	$326K	0.1%	$15.24	$14.68	+3.9%	ETF	46138E511
TGT	Target Corp	1,835	$324K	0.1%	$176.57 *	$118.66	+29.5%	COM	87612E106
SCHP	Schwab US TIPS ETF	5,136	$319K	0.1%	$62.11 *	$28.28	+9.8%	ETF	808524870
IEF	iShares Barclays 7-10 Yr Govt.	2,643	$317K	0.1%	$119.94	$105.69	+13.5%	ETF	464287440
TSLA	Tesla Motors Inc	448	$316K	0.1%	$705.36 *	$102.51	+129.5%	COM	88160R101
MTUM	iShares MSCI USA Momentum	1,829	$295K	0.0%	$161.29	$121.03	+33.3%	ETF	46432F396
VOE	Vanguard Mid Cap Value ETF	2,484	$295K	0.0%	$118.76	$101.30	+17.4%	ETF	922908512
SUB	iShares Sht-Term National Muni ETF	2,689	$291K	0.0%	$108.22	$106.26	+1.7%	ETF	464288158
PPG	PPG Inds Inc	2,020	$291K	0.0%	$144.06 *	$86.36	+51.3%	COM	693506107
VCSH	Vanguard Short-Term Corp Bond ETF	3,476	$289K	0.0%	$83.14	$80.19	+3.8%	ETF	92206C409
SCHE	Schwab FTSE Emerging Mkt ETF	9,314	$285K	0.0%	$30.60	$22.89	+33.9%	ETF	808524706
—	Unilever Plc Adr New	4,680	$282K	0.0%	$60.26	$60.26	—	ADR	904767704
STZ	Constellation Brands	1,289	$282K	0.0%	$218.77 *	$154.00	+31.0%	COM	21036P108
GEM	Gldmn Sachs ActiveBeta Emrg Mkts	7,394	$282K	0.0%	$38.14	$32.33	+18.1%	ETF	381430206
HPQ	Hewlett Packard	11,333	$279K	0.0%	$24.62 *	$15.17	+36.8%	COM	40434L105
BDX	Becton Dickinson	1,108	$277K	0.0%	$250.00 *	$137.19	+64.2%	COM	075887109
AMAT	Applied Materials	3,210	$277K	0.0%	$86.29 *	$25.12	+229.0%	COM	038222105
LLY	Lilly Eli & Co	1,622	$274K	0.0%	$168.93 *	$145.78	+9.9%	COM	532457108
ES	Eversource Energy	3,135	$271K	0.0%	$86.44 *	$64.33	+11.1%	COM	30040W108
DEO	Diageo Plc	1,651	$262K	0.0%	$158.69	$137.89	+15.2%	COM	25243Q205
—	HACK- PureFunds ISE Cyber Security ETF	4,478	$258K	0.0%	$57.62	$46.85	—	ETF	26924G201
—	General Electric	23,423	$253K	0.0%	$10.80	$10.80	—	COM	369604103
VNQI	Vanguard Int'l REIT	46,531	$253K	0.0%	$5.44 *	$52.00	+4.4%	ETF	922042676
RSP	Invesco S&P 500 Eq. Wgt. ETF	1,984	$253K	0.0%	$127.52	$107.93	+18.2%	ETF	46137V357
IWM	iShares Russell 2000 Index Fund ETF	1,275	$250K	0.0%	$196.08	$174.99	+12.0%	ETF	464287655
FNDX	Sch Fundamental US Large Co ETF	54,004	$245K	0.0%	$4.54 *	$13.87	+8.9%	ETF	808524771
DD	Du Pont E I De Nemours	3,448	$245K	0.0%	$71.06 *	$17.44	+54.9%	COM	26614N102
ZYXIQ	Zynex Inc	18,060	$243K	0.0%	$13.46 *	$15.82	-17.8%	COM	98986M103
SHOP	Shopify Inc	215	$243K	0.0%	$1130.23 *	$69.41	+63.1%	COM	82509L107
SYY	Sysco Inc	3,254	$242K	0.0%	$74.37 *	$50.42	+28.6%	COM	871829107
SPLV	Invesco S&P 500 Low Volatility ETF	4,237	$238K	0.0%	$56.17	$53.07	+6.0%	ETF	46138E354
NSC	Norfolk Southern Corp	1,000	$238K	0.0%	$238.00 *	$179.92	+19.0%	COM	655844108
INTU	Intuit Inc.	600	$228K	0.0%	$380.00 *	$340.30	+8.2%	COM	461202103
MO	Altria Group Inc	5,536	$227K	0.0%	$41.00 *	$27.18	+2.2%	COM	02209S103
PGF	Invesco Financial Pfd	11,659	$224K	0.0%	$19.21	$18.57	+3.4%	PFD	46137V621
CL	Colgate Palmolive Co	2,520	$215K	0.0%	$85.32 *	$73.42	+3.5%	COM	194162103
GS	Goldman Sachs Group	808	$213K	0.0%	$263.61 *	$197.01	+18.9%	COM	38141G104
CRWD	Crowdstrike Hldgs Inc	1,000	$212K	0.0%	$212.00	$155.87	+35.9%	COM	22788C105
—	TE Connectivity Ltd	1,750	$212K	0.0%	$121.14	$121.14	—	ADR	H84989104
STNE	StoneCo Ltd	2,472	$207K	0.0%	$83.74	$83.74	—	COM	G85158106
JAZZ	Jazz Pharma	1,250	$206K	0.0%	$164.80	$148.94	+10.8%	COM	G50871105
—	IPAY - ETFMG Mobile Payments	3,097	$206K	0.0%	$66.52	$66.52	—	ETF	26924G409
RGNX	Regenxbio Inc	4,522	$205K	0.0%	$45.33	$34.94	+29.8%	COM	75901B107