Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHD	Schwab Dow Jones US Div Eq ETF	230,914	$16.84M	6.1%	$10.50	—	ETF	808524797
SCHG	Schwab Dow Jones US Large Growth ETF	77,698	$10.08M	3.7%	$14.31	—	ETF	808524300
AAPL	Apple, Inc	81,998	$10.02M	3.6%	$96.02	+30.2%	COM	037833100
SCHZ	Schwab US AGG Bnd ETF	170,775	$9.213M	3.3%	$52.09	—	ETF	808524839
MSFT	Microsoft Corp	33,975	$8.01M	2.9%	$27.81	+701.5%	COM	594918104
SCHV	Schwab Dow Jones US Large Value ETF	122,088	$7.97M	2.9%	$38.66	—	ETF	808524409
SGOL	ETFS Phys. Swiss Gold Shares	430,281	$7.057M	2.6%	$16.40	—	ETF	00326A104
GOOGL	Alphabet, Inc. Cl A	3,317	$6.841M	2.5%	$40.33	+142.9%	COM	02079K305
FPE	First Trust Preferred Sec & Inc ETF	308,161	$6.209M	2.3%	$19.21	—	ETF	33739E108
SCHM	Schwab Dow Jones US Mid-Cap ETF	79,859	$5.944M	2.2%	$43.26	—	ETF	808524508
NOBL	Proshares S&P 500 Div Aristocrats	68,268	$5.889M	2.1%	$73.16	—	COM	74348A467
CFG	Citizens Financial Group	11,900	$5.255M	1.9%	$26.06	+30.0%	COM	174610105
CMC	Commercial Metals Co	16,718	$5.156M	1.9%	$23.09	0.0%	COM	201723103
JNJ	Johnson & Johnson	30,057	$4.94M	1.8%	$114.01	+23.5%	COM	478160104
SCHA	Schwab Dow Jones US Sm-Cap ETF	47,552	$4.74M	1.7%	$52.47	—	ETF	808524607
MRK	Merck & Co Inc	52,464	$4.044M	1.5%	$65.93	-4.3%	COM	58933Y105
SDY	SPDR S&P Dividend ETF	31,898	$3.765M	1.4%	$74.09	—	ETF	78464A763
INTC	Intel Corp	57,379	$3.672M	1.3%	$48.79	+10.9%	COM	458140100
JPM	J P Morgan Chase & Co	23,141	$3.523M	1.3%	$85.44	+48.9%	COM	46625H100
IJR	iShares S&P Smallcap 600 Index ETF	31,917	$3.464M	1.3%	$84.26	—	ETF	464287804
IJH	iShares S&P Midcap 400 Index ETF	12,810	$3.334M	1.2%	$128.65	—	ETF	464287507
LOW	Lowes Companies	16,845	$3.204M	1.2%	$63.34	+147.8%	COM	548661107
AMZN	Amazon.com	984	$3.045M	1.1%	$89.74	+76.6%	COM	023135106
VOO	Vanguard S&P 500 ETF	8,109	$2.954M	1.1%	$277.45	—	ETF	922908363
DIS	Disney Walt Co	15,871	$2.928M	1.1%	$73.93	+143.7%	COM	254687106
MDT	Medtronic plc	24,695	$2.917M	1.1%	$86.23	+17.9%	COM	G5960L103
PG	Procter & Gamble Inc	21,326	$2.888M	1.0%	$55.49	+108.5%	COM	742718109
SCHF	Schwab FTSE Developed ex-US ETF	76,509	$2.878M	1.0%	$4.17	—	ETF	808524805
VZ	Verizon Communications	48,846	$2.84M	1.0%	$40.84	+3.5%	COM	92343V104
TIPX	SPDR Blmbrg Brcly 1-10 Yr TIP	135,282	$2.823M	1.0%	$20.78	—	COM	78468R861
PEP	Pepsico	17,764	$2.513M	0.9%	$56.73	+107.9%	COM	713448108
AMGN	Amgen Inc	10,085	$2.509M	0.9%	$117.32	+74.5%	COM	031162100
GLD	SPDR Gold Shares	15,665	$2.506M	0.9%	$141.37	—	ETF	78463V107
GOOG	Alphabet, Inc. Cl C	1,124	$2.325M	0.8%	$38.35	+156.8%	COM	02079K107
VEU	Vanguard FTSE All-World ex-USA ETF	37,222	$2.259M	0.8%	$47.41	—	ETF	922042775
BAC	Bank Of America	56,581	$2.189M	0.8%	$24.46	+25.2%	COM	060505104
VTV	Vanguard Value ETF	16,118	$2.119M	0.8%	$84.95	—	ETF	922908744
VNQ	Vanguard REIT	22,560	$2.072M	0.8%	$78.67	—	ETF	922908553
UNP	Union Pacific Corp	9,328	$2.056M	0.7%	$71.27	+163.9%	COM	907818108
BABA	Alibaba Group Hldg Adr	9,036	$2.049M	0.7%	$182.22	—	ADR	01609W102
VUG	Vanguard Growth ETF	7,946	$2.042M	0.7%	$80.76	—	ETF	922908736
LHX	L3Harris Technologies Inc	9,714	$1.969M	0.7%	$179.21	-5.3%	COM	502431109
CSCO	Cisco Systems	37,292	$1.928M	0.7%	$20.03	+102.8%	COM	17275R102
CVS	CVS Health Corporation	25,515	$1.92M	0.7%	$48.23	+29.1%	COM	126650100
SPY	SPDR S&P 500 ETF	4,608	$1.826M	0.7%	$296.77	—	ETF	78462F103
BRK/B	Berkshire Hathaway B	7,071	$1.806M	0.7%	$148.60	+63.4%	COM	084670702
PYPL	Paypal Holdings, Inc.	7,090	$1.722M	0.6%	$60.37	+317.3%	COM	70450Y103
SCHX	Schwab Dow Jones US Large Cap ETF	174,070	$1.671M	0.6%	$18.86	—	ETF	808524201
VIG	Vanguard Div Appreciation ETF	11,067	$1.628M	0.6%	$101.48	—	ETF	921908844
V	Visa, Inc.	7,558	$1.6M	0.6%	$77.98	+160.5%	COM	92826C839
DHR	Danaher Corp	6,968	$1.568M	0.6%	$43.18	+360.1%	COM	235851102
PWR	Quanta Services Inc	17,087	$1.503M	0.5%	$46.03	+71.5%	COM	74762E102
TFC	Truist Finl Corp	25,017	$1.459M	0.5%	$40.36	+7.9%	COM	89832Q109
XBI	SPDR S&P Biotech ETF	10,730	$1.456M	0.5%	$92.38	—	ETF	78464A870
MCD	McDonalds Corp	6,409	$1.437M	0.5%	$84.09	+127.4%	COM	580135101
EMTL	SPDR DoubleLine EM ETF	26,566	$1.335M	0.5%	$49.46	—	ETF	78470P309
TMO	Thermo Fisher Scientific	2,877	$1.313M	0.5%	$134.68	+249.8%	COM	883556102
HD	Home Depot	4,274	$1.305M	0.5%	$181.40	+34.7%	COM	437076102
IBM	International Business Machines	9,750	$1.299M	0.5%	$99.95	-1.9%	COM	459200101
CVX	ChevronTexaco Corp	12,340	$1.293M	0.5%	$74.99	+6.1%	COM	166764100
FISV	Fiserv Inc.	10,850	$1.292M	0.5%	$61.00	+88.1%	COM	337738108
NVDA	Nvidia Corp	2,360	$1.26M	0.5%	$4.82	+177.9%	COM	67066G104
BMY	Bristol Myers Squibb	19,941	$1.259M	0.5%	$39.87	+28.0%	COM	110122108
META	Facebook Inc Class A	4,122	$1.214M	0.4%	$197.99	+35.1%	COM	30303M102
RTX	Raytheon Technologies Co	14,910	$1.152M	0.4%	$53.70	+21.5%	COM	75513E101
NKE	Nike Inc Class B	8,493	$1.129M	0.4%	$75.42	+71.8%	COM	654106103
GPN	Global Payments, Inc.	5,575	$1.124M	0.4%	$165.35	+15.4%	COM	37940X102
JHSC	JH/DFA Small Cap Value ETF	33,152	$1.123M	0.4%	$27.05	—	ETF	47804J842
PFE	Pfizer Inc	30,625	$1.11M	0.4%	$19.79	+41.7%	COM	717081103
EMR	Emerson Electric	12,104	$1.092M	0.4%	$40.02	+94.4%	COM	291011104
XOM	Exxon-Mobil	19,179	$1.071M	0.4%	$52.68	-17.8%	COM	30231G102
PBE	Invesco Biotech & Genomics ETF	13,201	$974K	0.4%	$57.19	—	ETF	46137V787
CRM	Salesforce Com	4,528	$959K	0.3%	$149.11	+47.5%	COM	79466L302
TOTL	SPDR Doubleline Ttl Rtrn	19,644	$947K	0.3%	$208.07	—	COM	78467V848
ADP	Automatic Data Processing	4,895	$923K	0.3%	$46.09	+239.9%	COM	053015103
MA	Mastercard Inc	2,486	$885K	0.3%	$131.06	+159.1%	COM	57636Q104
IVW	iShares S&P 500 Barra Gr. Fd.	13,046	$849K	0.3%	$69.75	—	ETF	464287309
VDC	Vanguard Consumer Staples ETF	4,589	$818K	0.3%	$125.71	—	ETF	92204A207
ITW	Illinois Tool Works	3,685	$816K	0.3%	$94.83	+95.1%	COM	452308109
PANW	Palo Alto Networks Inc	2,467	$795K	0.3%	$26.78	+121.9%	COM	697435105
SWK	Stanley Works	3,843	$767K	0.3%	$131.16	+17.4%	COM	854502101
XLK	SPDR Technology Select Sector	5,756	$764K	0.3%	$69.25	—	ETF	81369Y803
QCOM	Qualcomm Corp	5,753	$763K	0.3%	$129.71	0.0%	COM	747525103
T	AT&T Corp	24,111	$730K	0.3%	$15.50	+4.2%	COM	00206R102
VO	Vanguard Mid-Cap ETF	3,273	$724K	0.3%	$183.18	—	ETF	922908629
ASHR	Xtrckr CSI 300 China A Shs	18,677	$721K	0.3%	$38.60	—	ETF	233051879
ABT	Abbott Labs	5,995	$718K	0.3%	$32.49	+234.3%	COM	002824100
ROP	Roper Technologies, Inc	1,716	$692K	0.3%	$172.44	+126.0%	COM	776696106
MDLZ	Mondelez Intl Inc Cl A	11,746	$687K	0.2%	$40.41	+23.2%	COM	609207105
—	Catchmark Timber Tr	66,595	$678K	0.2%	$8.06	—	COM	14912Y202
SCHB	Schwab Dow Jones US Broad Mkt ETF	6,824	$660K	0.2%	$15.69	—	ETF	808524102
VBR	Vanguard Small-Cap Value ETF	3,970	$657K	0.2%	$121.46	—	ETF	922908611
CWI	SPDR MSCI Acwi Ex-US	22,678	$656K	0.2%	$32.64	—	ETF	78463X848
AVGO	Broadcom Limited	1,293	$600K	0.2%	$31.74	+31.2%	COM	11135F101
KO	Coca Cola	11,385	$600K	0.2%	$29.54	+46.9%	COM	191216100
TSN	Tyson Foods Inc	8,055	$598K	0.2%	$51.88	+14.7%	COM	902494103
NEE	NextEra Energy Inc.	7,690	$581K	0.2%	$64.47	+6.8%	COM	65339F101
BX	Blackstone Group Lp	7,432	$554K	0.2%	$48.85	+20.0%	COM	09260D107
MDY	S&P 400 Mid-Cap SPDR ETF	1,156	$550K	0.2%	$130502.24	—	ETF	78467Y107
TJX	TJX Cos Inc	8,209	$543K	0.2%	$39.82	+56.4%	COM	872540109
IVE	iShares S&P 500 Value ETF	3,787	$535K	0.2%	$78.28	—	ETF	464287408
STT	State Street Boston Corp	6,250	$525K	0.2%	$44.55	+48.3%	COM	857477103
WMT	Wal-Mart Stores	3,761	$511K	0.2%	$33.19	+30.5%	COM	931142103
PEG	Public Svc Enterprise	8,223	$495K	0.2%	$41.15	+18.9%	COM	744573106
AON	AON Corp	2,117	$487K	0.2%	$191.78	+10.8%	COM	G0403H108
D	Dominion Res Inc Va	6,401	$486K	0.2%	$62.04	-5.7%	COM	25746U109
AMT	American Tower Corp	2,013	$481K	0.2%	$215.44	-10.7%	COM	03027X100
ORCL	Oracle Systems	6,795	$477K	0.2%	$52.75	+14.9%	COM	68389X105
LMT	Lockheed Martin Corp	1,291	$477K	0.2%	$145.40	+106.3%	COM	539830109
BSV	Vanguard Short-Term Bond ETF	5,586	$459K	0.2%	$81.05	—	ETF	921937827
SWKS	Skyworks Solutions	2,452	$450K	0.2%	$97.98	+56.1%	COM	83088M102
—	Chase Corp	3,790	$441K	0.2%	$95.51	—	COM	16150R104
AMAT	Applied Materials	3,210	$429K	0.2%	$25.12	+320.8%	COM	038222105
ABBV	AbbVie Inc	3,937	$426K	0.2%	$50.41	+76.4%	COM	00287Y109
ALL	Allstate Corp	3,576	$411K	0.1%	$97.70	0.0%	COM	020002101
VB	Vanguard Small Cap ETF	1,916	$410K	0.1%	$123.18	—	ETF	922908751
VTIP	Vanguard Sht-Term Infl Prot Sec ETF	7,895	$407K	0.1%	$49.15	—	ETF	922020805
—	General Electric	30,923	$406K	0.1%	$11.37	—	COM	369604103
DD	Du Pont E I De Nemours	5,015	$388K	0.1%	$21.08	+37.9%	COM	26614N102
C	Citigroup Inc	5,287	$385K	0.1%	$44.75	+25.5%	COM	172967424
MBB	iShares MBS ETF	3,358	$364K	0.1%	$110.10	—	ETF	464288588
PM	Philip Morris Intl Inc	4,077	$362K	0.1%	$53.46	+25.0%	COM	718172109
MMM	3M Company	1,868	$360K	0.1%	$129.91	-3.7%	COM	88579Y101
FNDX	Sch Fundamental US Large Co ETF	6,929	$358K	0.1%	$7.94	—	ETF	808524771
—	Western Asset Muni Hi Income	45,246	$353K	0.1%	$7.94	—	ETF	95766N103
XITK	SPDR Sr Innovative Tech	1,665	$348K	0.1%	$175.37	—	ETF	78464A110
SCHE	Schwab FTSE Emerging Mkt ETF	10,881	$346K	0.1%	$27.43	—	ETF	808524706
HPQ	Hewlett Packard	10,828	$344K	0.1%	$15.17	+53.8%	COM	40434L105
FXI	iShares China Large Cap ETF	7,316	$341K	0.1%	$46.61	—	ETF	464287184
STZ	Constellation Brands	1,489	$339K	0.1%	$161.26	+29.0%	COM	21036P108
—	Nuveen Inter Dur Qlty Muni	23,155	$339K	0.1%	$12.91	—	ETF	670677103
VOE	Vanguard Mid Cap Value ETF	2,490	$336K	0.1%	$101.42	—	ETF	922908512
TGT	Target Corp	1,692	$335K	0.1%	$118.66	+37.5%	COM	87612E106
FLOT	iShares Floating Rate Bond ETF	6,500	$330K	0.1%	$50.91	—	ETF	46429B655
SBUX	Starbucks Corp	2,985	$326K	0.1%	$94.02	0.0%	COM	855244109
NVS	Novartis A G	3,739	$320K	0.1%	$71.89	—	ADR	66987V109
PGX	Invesco Preferred	21,145	$317K	0.1%	$14.77	—	ETF	46138E511
SCHP	Schwab US TIPS ETF	5,136	$314K	0.1%	$259.15	—	ETF	808524870
VOOG	Vanguard S&P 500 Growth	1,320	$310K	0.1%	$208.47	—	ETF	921932505
LLY	Lilly Eli & Co	1,622	$303K	0.1%	$145.78	+27.6%	COM	532457108
DOW	Dow Chemical	4,724	$302K	0.1%	$45.81	0.0%	COM	260557103
GEM	Gldmn Sachs ActiveBeta Emrg Mkts	7,546	$298K	0.1%	$32.86	—	ETF	381430206
UPS	UPS Inc	1,729	$294K	0.1%	$131.98	0.0%	COM	911312106
MTUM	iShares MSCI USA Momentum	1,829	$294K	0.1%	$139.42	—	ETF	46432F396
SUB	iShares Sht-Term National Muni ETF	2,694	$290K	0.1%	$106.12	—	ETF	464288158
VCSH	Vanguard Short-Term Corp Bond ETF	3,485	$288K	0.1%	$80.44	—	ETF	92206C409
MO	Altria Group Inc	5,636	$288K	0.1%	$27.24	+11.6%	COM	02209S103
PPG	PPG Inds Inc	1,920	$288K	0.1%	$86.36	+50.6%	COM	693506107
VRTX	Vertex Pharmaceuticals	1,333	$286K	0.1%	$219.65	0.0%	COM	92532F100
IWM	iShares Russell 2000 Index Fund ETF	1,275	$282K	0.1%	$196.08	—	ETF	464287655
DEO	Diageo Plc	1,651	$271K	0.1%	$137.49	—	COM	25243Q205
NSC	Norfolk Southern Corp	1,000	$269K	0.1%	$179.92	+27.2%	COM	655844108
BDX	Becton Dickinson	1,108	$269K	0.1%	$137.19	+64.5%	COM	075887109
GS	Goldman Sachs Group	805	$263K	0.1%	$197.01	+40.6%	ETF	38141G104
LQD	iShares Inv. Grade Corp. Bd.	2,025	$263K	0.1%	$114.77	—	ETF	464287242
—	Unilever Plc Adr New	4,580	$256K	0.1%	$60.26	—	COM	904767704
SYY	Sysco Inc	3,254	$256K	0.1%	$50.42	+35.0%	COM	871829107
FIXD	First Trust TCWOpportunistic Fxd Inc ETF	4,791	$253K	0.1%	$52.81	—	ETF	33740F805
ES	Eversource Energy	2,886	$250K	0.1%	$64.33	+9.2%	COM	30040W108
—	HACK- PureFunds ISE Cyber Security ETF	4,478	$246K	0.1%	$46.85	—	ETF	26924G201
SHOP	Shopify Inc	215	$238K	0.1%	$69.41	+74.1%	COM	82509L107
SPLV	Invesco S&P 500 Low Volatility ETF	4,028	$234K	0.1%	$53.58	—	ETF	46138E354
INTU	Intuit Inc.	600	$230K	0.1%	$340.30	+9.8%	COM	461202103
—	TE Connectivity Ltd	1,750	$226K	0.1%	$121.14	—	COM	H84989104
PGF	Invesco Financial Pfd	11,659	$220K	0.1%	$18.74	—	ETF	46137V621
AMD	Advanced Micro Devices	2,791	$219K	0.1%	$86.10	0.0%	COM	007903107
RSP	Invesco S&P 500 Eq. Wgt. ETF	1,539	$218K	0.1%	$108.26	—	ETF	46137V357
BA	Boeing Co	849	$216K	0.1%	$222.27	0.0%	COM	097023105
JAZZ	Jazz Pharma	1,300	$214K	0.1%	$149.54	+10.0%	COM	G50871105
—	IPAY - ETFMG Mobile Payments	3,097	$207K	0.1%	$66.52	—	ETF	26924G409
CI	Cigna	856	$207K	0.1%	$204.18	0.0%	COM	125523100
CTVA	Corteva Inc	4,374	$204K	0.1%	$41.91	0.0%	COM	22052L104
WFC	Wells Fargo & Company	5,140	$201K	0.1%	$31.62	0.0%	COM	949746101
—	Osisko Gold Royaltie	11,139	$123K	0.0%	$11.04	—	COM	68827L101
ET	Energy Transfer Equity	12,000	$92,000	0.0%	$7.67	—	ETF	29273V100
OVID	Ovid Therapeutics Inc	18,522	$74,000	0.0%	$3.32	0.0%	COM	690469101
—	Clearside Biomedical Inc	23,023	$57,000	0.0%	$2.48	—	COM	185063104
—	Vesper Healthcare Acquist Eqy Warrant	23,023	$48,000	0.0%	$2.08	—	COM	92538T112
—	Histogen Ord	32,522	$42,000	0.0%	$1.29	—	COM	43358Y103
—	Azurrx Biopharma Inc	23,915	$32,000	0.0%	$1.34	—	COM	05502L105
—	Ashford Hospitality Trust Inc	10,800	$32,000	0.0%	$2.96	—	COM	044103877