Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap ETF	170,899	$17.77M	6.0%	$18.86	—	ETF	808524201
SCHD	Schwab Dow Jones US Div Eq ETF	229,655	$17.37M	5.9%	$10.50	—	ETF	808524797
AAPL	Apple, Inc	81,224	$11.12M	3.7%	$96.02	+31.7%	COM	037833100
SCHG	Schwab Dow Jones US Large Growth ETF	67,369	$9.833M	3.3%	$14.31	—	ETF	808524300
SGOL	ETFS Phys. Swiss Gold Shares	562,652	$9.559M	3.2%	$16.54	—	ETF	00326A104
SCHZ	Schwab US AGG Bnd ETF	172,388	$9.412M	3.2%	$52.09	—	ETF	808524839
MSFT	Microsoft Corp	33,627	$9.109M	3.1%	$27.81	+780.0%	COM	594918104
SCHV	Schwab Dow Jones US Large Value ETF	125,876	$8.606M	2.9%	$39.55	—	ETF	808524409
GOOGL	Alphabet, Inc. Cl A	3,220	$7.862M	2.6%	$40.33	+187.4%	COM	02079K305
SCHM	Schwab Dow Jones US Mid-Cap ETF	80,449	$6.297M	2.1%	$43.26	—	ETF	808524508
NOBL	Proshares S&P 500 Div Aristocrats	68,286	$6.189M	2.1%	$73.16	—	ETF	74348A467
SCHA	Schwab Dow Jones US Sm-Cap ETF	47,450	$4.943M	1.7%	$52.47	—	ETF	808524607
JNJ	Johnson & Johnson	29,954	$4.935M	1.7%	$114.01	+27.1%	COM	478160104
MRK	Merck & Co Inc	52,920	$4.116M	1.4%	$65.93	-2.7%	COM	58933Y105
SDY	SPDR S&P Dividend ETF	31,632	$3.868M	1.3%	$74.09	—	ETF	78464A763
AMZN	Amazon.com	1,049	$3.609M	1.2%	$94.48	+75.9%	COM	023135106
IJR	iShares S&P Smallcap 600 Index ETF	31,882	$3.602M	1.2%	$84.26	—	ETF	464287804
JPM	J P Morgan Chase & Co	22,902	$3.562M	1.2%	$85.44	+63.5%	COM	46625H100
IJH	iShares S&P Midcap 400 Index ETF	12,845	$3.452M	1.2%	$128.65	—	ETF	464287507
SCHF	Schwab FTSE Developed ex-US ETF	81,554	$3.217M	1.1%	$6.35	—	ETF	808524805
LOW	Lowes Companies	16,412	$3.183M	1.1%	$63.34	+183.4%	COM	548661107
VOO	Vanguard S&P 500 ETF	7,801	$3.07M	1.0%	$277.45	—	ETF	922908363
MDT	Medtronic plc	24,497	$3.041M	1.0%	$86.23	+27.0%	COM	G5960L103
TIPX	SPDR Blmbrg Brcly 1-10 Yr TIP	138,928	$2.936M	1.0%	$20.79	—	ETF	78468R861
VZ	Verizon Communications	51,898	$2.908M	1.0%	$40.99	+5.9%	COM	92343V104
GOOG	Alphabet, Inc. Cl C	1,146	$2.872M	1.0%	$39.89	+196.6%	COM	02079K107
PG	Procter & Gamble Inc	21,249	$2.867M	1.0%	$55.49	+117.5%	COM	742718109
INTC	Intel Corp	49,351	$2.771M	0.9%	$48.79	+9.8%	COM	458140100
DIS	Disney Walt Co	15,554	$2.734M	0.9%	$73.93	+137.7%	COM	254687106
GLD	SPDR Gold Shares	16,456	$2.726M	0.9%	$142.54	—	ETF	78463V107
AMGN	Amgen Inc	9,966	$2.429M	0.8%	$117.32	+81.1%	COM	031162100
VEU	Vanguard FTSE All-World ex-USA ETF	37,534	$2.379M	0.8%	$47.41	—	ETF	922042775
—	HACK- PureFunds ISE Cyber Security ETF	4,828	$2.293M	0.8%	$77.88	—	ETF	26924G201
BAC	Bank Of America	55,361	$2.283M	0.8%	$24.46	+49.4%	COM	060505104
VNQ	Vanguard REIT	21,860	$2.225M	0.7%	$78.67	—	ETF	922908553
VUG	Vanguard Growth ETF	7,730	$2.217M	0.7%	$80.76	—	ETF	922908736
VTV	Vanguard Value ETF	16,118	$2.216M	0.7%	$84.95	—	ETF	922908744
CVS	CVS Health Corporation	25,700	$2.144M	0.7%	$48.23	+46.1%	COM	126650100
BABA	Alibaba Group Hldg Adr	9,411	$2.134M	0.7%	$184.00	—	ADR	01609W102
UNP	Union Pacific Corp	9,410	$2.069M	0.7%	$71.27	+181.2%	COM	907818108
LHX	L3Harris Technologies Inc	9,527	$2.059M	0.7%	$179.21	+9.1%	COM	502431109
PYPL	Paypal Holdings, Inc.	7,057	$2.057M	0.7%	$60.37	+336.5%	COM	70450Y103
CSCO	Cisco Systems	37,595	$1.993M	0.7%	$20.03	+128.8%	COM	17275R102
SPY	SPDR S&P 500 ETF	4,597	$1.968M	0.7%	$296.77	—	ETF	78462F103
BRK/B	Berkshire Hathaway B	7,000	$1.945M	0.7%	$148.60	+88.0%	COM	084670702
NVDA	Nvidia Corp	2,375	$1.9M	0.6%	$4.82	+231.5%	COM	67066G104
DHR	Danaher Corp	6,866	$1.843M	0.6%	$43.18	+402.8%	COM	235851102
V	Visa, Inc.	7,493	$1.752M	0.6%	$77.98	+183.4%	COM	92826C839
VIG	Vanguard Div Appreciation ETF	11,061	$1.712M	0.6%	$101.48	—	ETF	921908844
XBI	SPDR S&P Biotech ETF	11,720	$1.587M	0.5%	$96.01	—	ETF	78464A870
HD	Home Depot	4,922	$1.57M	0.5%	$194.89	+45.6%	COM	437076102
IBM	International Business Machines	9,949	$1.458M	0.5%	$100.22	+13.2%	COM	459200101
TMO	Thermo Fisher Scientific	2,880	$1.453M	0.5%	$134.68	+246.0%	COM	883556102
MCD	McDonalds Corp	6,193	$1.43M	0.5%	$84.09	+148.9%	COM	580135101
PWR	Quanta Services Inc	15,763	$1.428M	0.5%	$46.03	+102.4%	COM	74762E102
META	Facebook Inc Class A	4,097	$1.426M	0.5%	$197.99	+60.9%	COM	30303M102
BMY	Bristol Myers Squibb	21,073	$1.408M	0.5%	$40.63	+32.6%	COM	110122108
TFC	Truist Finl Corp	25,074	$1.392M	0.5%	$40.36	+16.6%	COM	89832Q109
EMTL	SPDR DoubleLine EM ETF	27,248	$1.391M	0.5%	$49.50	—	ETF	78470P309
CVX	ChevronTexaco Corp	13,112	$1.373M	0.5%	$75.70	+15.0%	COM	166764100
PFE	Pfizer Inc	33,922	$1.328M	0.4%	$20.88	+48.5%	COM	717081103
NKE	Nike Inc Class B	8,504	$1.314M	0.4%	$75.42	+66.6%	COM	654106103
JHSC	JH/DFA Small Cap Value ETF	36,493	$1.273M	0.4%	$27.77	—	ETF	47804J842
FNDE	Sch Fundamental EM Lg Co ETF	39,393	$1.27M	0.4%	$32.24	—	ETF	808524730
RTX	Raytheon Technologies Co	14,584	$1.244M	0.4%	$53.70	+41.0%	COM	75513E101
FISV	Fiserv Inc.	11,490	$1.228M	0.4%	$64.08	+81.4%	COM	337738108
EMR	Emerson Electric	12,117	$1.166M	0.4%	$40.02	+113.7%	COM	291011104
XOM	Exxon-Mobil	17,988	$1.135M	0.4%	$52.68	-5.0%	COM	30231G102
CRM	Salesforce Com	4,531	$1.107M	0.4%	$149.11	+52.7%	COM	79466L302
GPN	Global Payments, Inc.	5,708	$1.07M	0.4%	$166.00	+16.2%	COM	37940X102
PBE	Invesco Biotech & Genomics ETF	13,201	$1.021M	0.3%	$57.19	—	ETF	46137V787
TOTL	SPDR Doubleline Ttl Rtrn	20,838	$1.009M	0.3%	$198.92	—	ETF	78467V848
ADP	Automatic Data Processing	4,900	$973K	0.3%	$46.09	+282.5%	COM	053015103
AVGO	Broadcom Limited	1,986	$947K	0.3%	$35.34	+19.0%	COM	11135F101
VSLU	Applied Finance Valuation Lg Cap ETF	36,656	$940K	0.3%	$25.64	—	ETF	26923N405
IVW	iShares S&P 500 Barra Gr. Fd.	12,711	$924K	0.3%	$69.75	—	ETF	464287309
PANW	Palo Alto Networks Inc	2,467	$915K	0.3%	$26.78	+121.2%	COM	697435105
MA	Mastercard Inc	2,482	$906K	0.3%	$131.06	+176.4%	COM	57636Q104
NEE	NextEra Energy Inc.	11,944	$875K	0.3%	$65.19	+2.0%	COM	65339F101
QCOM	Qualcomm Corp	6,037	$863K	0.3%	$129.36	-5.6%	COM	747525103
XLK	SPDR Technology Select Sector	5,757	$850K	0.3%	$69.25	—	ETF	81369Y803
—	Catchmark Timber Tr	72,587	$849K	0.3%	$8.36	—	COM	14912Y202
VO	Vanguard Mid-Cap ETF	3,479	$826K	0.3%	$186.40	—	ETF	922908629
ITW	Illinois Tool Works	3,685	$824K	0.3%	$94.83	+116.2%	COM	452308109
VDC	Vanguard Consumer Staples ETF	4,505	$822K	0.3%	$125.71	—	ETF	92204A207
BX	Blackstone Group Lp	8,356	$812K	0.3%	$51.88	+47.0%	COM	09260D107
ROP	Roper Technologies, Inc	1,726	$812K	0.3%	$172.44	+149.3%	COM	776696106
SWK	Stanley Works	3,846	$788K	0.3%	$131.16	+34.7%	COM	854502101
MDLZ	Mondelez Intl Inc Cl A	12,511	$781K	0.3%	$41.28	+32.3%	COM	609207105
KLIC	Kulicke & Soffa Inds	11,962	$732K	0.2%	$49.93	0.0%	COM	501242101
CWI	SPDR MSCI Acwi Ex-US	24,051	$726K	0.2%	$32.50	—	ETF	78463X848
SCHB	Schwab Dow Jones US Broad Mkt ETF	6,923	$722K	0.2%	$16.96	—	ETF	808524102
VBR	Vanguard Small-Cap Value ETF	4,018	$698K	0.2%	$122.08	—	ETF	922908611
ABT	Abbott Labs	5,995	$695K	0.2%	$32.49	+230.2%	COM	002824100
ASHR	Xtrckr CSI 300 China A Shs	15,369	$623K	0.2%	$38.60	—	ETF	233051879
KO	Coca Cola	11,387	$616K	0.2%	$29.54	+60.0%	COM	191216100
TSN	Tyson Foods Inc	8,059	$594K	0.2%	$51.88	+29.6%	COM	902494103
MDY	S&P 400 Mid-Cap SPDR ETF	1,148	$564K	0.2%	$130502.24	—	ETF	78467Y107
IVE	iShares S&P 500 Value ETF	3,787	$559K	0.2%	$78.28	—	ETF	464287408
T	AT&T Corp	19,182	$552K	0.2%	$15.50	+9.6%	COM	00206R102
CFG	Citizens Financial Group	12,018	$551K	0.2%	$26.06	+48.8%	COM	174610105
TJX	TJX Cos Inc	8,105	$546K	0.2%	$39.82	+59.9%	COM	872540109
WMT	Wal-Mart Stores	3,761	$530K	0.2%	$33.19	+32.0%	COM	931142103
ORCL	Oracle Systems	6,795	$529K	0.2%	$52.75	+39.5%	COM	68389X105
STT	State Street Boston Corp	6,256	$515K	0.2%	$44.55	+62.6%	COM	857477103
PEG	Public Svc Enterprise	8,575	$512K	0.2%	$41.63	+26.9%	COM	744573106
CMC	Commercial Metals Co	16,613	$510K	0.2%	$23.09	+25.7%	COM	201723103
UPS	UPS Inc	2,446	$509K	0.2%	$141.42	+16.1%	COM	911312106
AON	AON Corp	2,119	$506K	0.2%	$191.78	+23.2%	ADR	G0403H108
LMT	Lockheed Martin Corp	1,321	$500K	0.2%	$149.78	+126.0%	COM	539830109
ALL	Allstate Corp	3,722	$486K	0.2%	$98.39	+17.2%	COM	020002101
D	Dominion Res Inc Va	6,386	$470K	0.2%	$62.04	+1.0%	COM	25746U109
SWKS	Skyworks Solutions	2,409	$462K	0.2%	$97.98	+59.8%	COM	83088M102
AMAT	Applied Materials	3,217	$458K	0.2%	$25.12	+412.9%	COM	038222105
STZ	Constellation Brands	1,900	$444K	0.1%	$173.41	+25.4%	COM	21036P108
ABBV	AbbVie Inc	3,907	$440K	0.1%	$50.41	+88.0%	COM	00287Y109
VB	Vanguard Small Cap ETF	1,916	$432K	0.1%	$123.18	—	ETF	922908751
—	General Electric	31,796	$428K	0.1%	$11.42	—	COM	369604103
VTIP	Vanguard Sht-Term Infl Prot Sec ETF	7,895	$414K	0.1%	$49.15	—	ETF	922020805
BSV	Vanguard Short-Term Bond ETF	4,987	$410K	0.1%	$81.05	—	ETF	921937827
XITK	SPDR Sr Innovative Tech	1,767	$400K	0.1%	$178.31	—	ETF	78464A110
—	Chase Corp	3,790	$389K	0.1%	$95.51	—	COM	16150R104
DD	Du Pont E I De Nemours	5,015	$388K	0.1%	$21.08	+45.1%	COM	26614N102
—	Western Asset Muni Hi Income	45,620	$386K	0.1%	$7.94	—	ETF	95766N103
FXI	iShares China Large Cap ETF	8,308	$385K	0.1%	$46.58	—	ETF	464287184
TGT	Target Corp	1,582	$382K	0.1%	$118.66	+61.4%	COM	87612E106
C	Citigroup Inc	5,388	$381K	0.1%	$45.09	+39.1%	COM	172967424
SCHE	Schwab FTSE Emerging Mkt ETF	11,540	$379K	0.1%	$27.74	—	ETF	808524706
FNDX	Sch Fundamental US Large Co ETF	6,857	$375K	0.1%	$7.94	—	ETF	808524771
MMM	3M Company	1,868	$371K	0.1%	$129.91	+8.1%	COM	88579Y101
MBB	iShares MBS ETF	3,368	$365K	0.1%	$110.10	—	ETF	464288588
VOE	Vanguard Mid Cap Value ETF	2,497	$351K	0.1%	$101.42	—	ETF	922908512
FIXD	First Trust TCWOpportunistic Fxd Inc ETF	6,529	$350K	0.1%	$53.02	—	ETF	33740F805
—	Nuveen Inter Dur Qlty Muni	23,351	$350K	0.1%	$12.91	—	ETF	670677103
PM	Philip Morris Intl Inc	3,487	$346K	0.1%	$53.46	+42.9%	COM	718172109
NVS	Novartis A G	3,739	$341K	0.1%	$71.89	—	COM	66987V109
SBUX	Starbucks Corp	3,037	$340K	0.1%	$94.15	+8.0%	COM	855244109
PGX	Invesco Preferred	21,795	$334K	0.1%	$14.79	—	PFD	46138E511
FLOT	iShares Floating Rate Bond ETF	6,503	$331K	0.1%	$50.91	—	ETF	46429B655
SCHP	Schwab US TIPS ETF	5,229	$327K	0.1%	$255.66	—	ETF	808524870
PPG	PPG Inds Inc	1,920	$326K	0.1%	$86.36	+81.0%	COM	693506107
SHOP	Shopify Inc	217	$317K	0.1%	$69.41	+77.5%	COM	82509L107
MTUM	iShares MSCI USA Momentum	1,829	$317K	0.1%	$139.42	—	ETF	46432F396
DEO	Diageo Plc	1,651	$316K	0.1%	$137.49	—	COM	25243Q205
HPQ	Hewlett Packard	10,458	$316K	0.1%	$15.17	+79.2%	COM	40434L105
GS	Goldman Sachs Group	819	$311K	0.1%	$199.10	+60.4%	COM	38141G104
GEM	Gldmn Sachs ActiveBeta Emrg Mkts	7,558	$308K	0.1%	$32.86	—	ETF	381430206
KLAC	KLA Tencor Corp	946	$307K	0.1%	$304.93	0.0%	COM	482480100
DOW	Dow Chemical	4,674	$296K	0.1%	$45.81	+11.5%	COM	260557103
INTU	Intuit Inc.	602	$295K	0.1%	$340.30	+23.8%	COM	461202103
IWM	iShares Russell 2000 Index Fund ETF	1,275	$292K	0.1%	$196.08	—	ETF	464287655
SUB	iShares Sht-Term National Muni ETF	2,700	$291K	0.1%	$106.12	—	ETF	464288158
LLY	Lilly Eli & Co	1,230	$282K	0.1%	$145.78	+31.6%	COM	532457108
MO	Altria Group Inc	5,617	$268K	0.1%	$27.24	+24.7%	COM	02209S103
—	Unilever Plc Adr New	4,580	$268K	0.1%	$60.26	—	ADR	904767704
NSC	Norfolk Southern Corp	1,000	$265K	0.1%	$179.92	+39.1%	COM	655844108
LQD	iShares Inv. Grade Corp. Bd.	1,975	$265K	0.1%	$114.77	—	ETF	464287242
PEP	Pepsico	17,699	$262K	0.1%	$56.73	+122.4%	COM	713448108
CRWD	Crowdstrike Hldgs Inc	1,015	$255K	0.1%	$215.19	0.0%	COM	22788C105
SYY	Sysco Inc	3,263	$254K	0.1%	$50.42	+41.4%	COM	871829107
VRTX	Vertex Pharmaceuticals	1,253	$253K	0.1%	$219.65	-4.8%	COM	92532F100
BDX	Becton Dickinson	1,028	$250K	0.1%	$137.19	+61.9%	COM	075887109
NOW	Service Now Inc	452	$248K	0.1%	$101.38	0.0%	COM	81762P102
SPLV	Invesco S&P 500 Low Volatility ETF	4,028	$245K	0.1%	$53.58	—	ETF	46138E354
BA	Boeing Co	995	$238K	0.1%	$225.13	+7.4%	COM	097023105
—	TE Connectivity Ltd	1,750	$237K	0.1%	$121.14	—	COM	H84989104
WFC	Wells Fargo & Company	5,140	$233K	0.1%	$31.62	+26.4%	COM	949746101
ES	Eversource Energy	2,888	$232K	0.1%	$64.33	+9.3%	COM	30040W108
JAZZ	Jazz Pharma	1,300	$231K	0.1%	$149.54	+15.8%	COM	G50871105
CARR	Carrier Global Corp	4,740	$230K	0.1%	$41.98	0.0%	COM	14448C104
AMT	American Tower Corp	2,063	$227K	0.1%	$215.58	+2.6%	COM	03027X100
PGF	Invesco Financial Pfd	11,659	$225K	0.1%	$18.74	—	PFD	46137V621
RSP	Invesco S&P 500 Eq. Wgt. ETF	1,489	$224K	0.1%	$108.26	—	ETF	46137V357
VGT	Vanguard Info Technology	557	$222K	0.1%	$398.56	—	ETF	92204A702
—	IPAY - ETFMG Mobile Payments	3,097	$218K	0.1%	$66.52	—	ETF	26924G409
VOOG	Vanguard S&P 500 Growth	830	$218K	0.1%	$208.47	—	ETF	921932505
JCI	Johnson Controls PLC	3,015	$207K	0.1%	$58.93	0.0%	COM	G51502105
COP	Conoco Phillips	3,405	$207K	0.1%	$47.19	0.0%	COM	20825C104
PLTR	Palantir Technologies Inc Ordinary Shares - Class	7,800	$206K	0.1%	$23.13	0.0%	COM	69608A108
CL	Colgate Palmolive Co	2,520	$205K	0.1%	$73.43	0.0%	COM	194162103
CI	Cigna	859	$204K	0.1%	$204.18	+12.5%	COM	125523100
NOC	Northrop Grumman Corp	560	$204K	0.1%	$333.78	0.0%	COM	666807102