Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHA	Schwab Dow Jones US Sm-Cap ETF	46,831	$46.88M	13.5%	$52.47	—	ETF	808524607
SCHX	Schwab Dow Jones US Large Cap ETF	172,491	$17.94M	5.2%	$18.86	—	ETF	808524201
SCHD	Schwab Dow Jones US Div Eq ETF	227,555	$16.89M	4.9%	$10.50	—	ETF	808524797
AAPL	Apple, Inc	80,381	$11.37M	3.3%	$96.02	+49.9%	COM	037833100
SGOL	ETFS Phys. Swiss Gold Shares	583,831	$9.838M	2.8%	$16.55	—	COM	00326A104
SCHG	Schwab Dow Jones US Large Growth ETF	66,399	$9.833M	2.8%	$14.31	—	ETF	808524300
MSFT	Microsoft Corp	33,301	$9.388M	2.7%	$27.81	+909.5%	COM	594918104
SCHZ	Schwab US AGG Bnd ETF	167,608	$9.094M	2.6%	$52.09	—	ETF	808524839
SCHV	Schwab Dow Jones US Large Value ETF	127,867	$8.628M	2.5%	$39.99	—	ETF	808524409
GOOGL	Alphabet, Inc. Cl A	3,221	$8.611M	2.5%	$40.33	+234.9%	COM	02079K305
FPE	First Trust Preferred Sec & Inc ETF	317,127	$6.514M	1.9%	$20.54	—	ETF	33739E108
SCHM	Schwab Dow Jones US Mid-Cap ETF	81,641	$6.259M	1.8%	$43.75	—	ETF	808524508
NOBL	Proshares S&P 500 Div Aristocrats	67,652	$5.989M	1.7%	$73.16	—	ETF	74348A467
JNJ	Johnson & Johnson	30,045	$4.852M	1.4%	$114.01	+31.8%	COM	478160104
MRK	Merck & Co Inc	52,833	$3.968M	1.1%	$65.93	+0.3%	COM	58933Y105
JPM	J P Morgan Chase & Co	22,974	$3.761M	1.1%	$85.44	+64.2%	COM	46625H100
AMZN	Amazon.com	1,066	$3.502M	1.0%	$95.72	+80.2%	COM	023135106
IJR	iShares S&P Smallcap 600 Index ETF	31,832	$3.476M	1.0%	$84.26	—	ETF	464287804
SDY	SPDR S&P Dividend ETF	29,513	$3.469M	1.0%	$74.09	—	ETF	78464A763
IJH	iShares S&P Midcap 400 Index ETF	12,848	$3.38M	1.0%	$128.65	—	ETF	464287507
LOW	Lowes Companies	16,319	$3.31M	1.0%	$63.34	+189.8%	COM	548661107
SCHF	Schwab FTSE Developed ex-US ETF	84,901	$3.286M	0.9%	$7.63	—	ETF	808524805
MDT	Medtronic plc	24,311	$3.047M	0.9%	$86.23	+31.6%	COM	G5960L103
GOOG	Alphabet, Inc. Cl C	1,130	$3.012M	0.9%	$39.89	+243.1%	COM	02079K107
VOO	Vanguard S&P 500 ETF	7,619	$3.005M	0.9%	$277.45	—	ETF	922908363
PG	Procter & Gamble Inc	21,244	$2.97M	0.9%	$55.49	+129.3%	COM	742718109
VZ	Verizon Communications	51,667	$2.791M	0.8%	$40.99	+3.3%	COM	92343V104
GLD	SPDR Gold Shares	16,702	$2.743M	0.8%	$142.86	—	ETF	78463V107
PEP	Pepsico	17,709	$2.664M	0.8%	$56.73	+138.0%	COM	713448108
DIS	Disney Walt Co	15,334	$2.594M	0.7%	$73.93	+135.6%	COM	254687106
VSLU	Applied Finance Valuation Lg Cap ETF	98,418	$2.535M	0.7%	$25.72	—	ETF	26923N405
VEU	Vanguard FTSE All-World ex-USA ETF	38,542	$2.35M	0.7%	$47.77	—	ETF	922042775
BAC	Bank Of America	54,642	$2.32M	0.7%	$24.46	+47.5%	COM	060505104
VNQ	Vanguard REIT	21,911	$2.23M	0.6%	$78.67	—	ETF	922908553
CVS	CVS Health Corporation	25,682	$2.179M	0.6%	$48.23	+50.4%	COM	126650100
VUG	Vanguard Growth ETF	7,452	$2.162M	0.6%	$80.76	—	ETF	922908736
VTV	Vanguard Value ETF	15,915	$2.154M	0.6%	$84.95	—	ETF	922908744
AMGN	Amgen Inc	9,967	$2.12M	0.6%	$117.32	+70.7%	COM	031162100
NVDA	Nvidia Corp	10,185	$2.11M	0.6%	$17.01	+21.8%	COM	67066G104
LHX	L3Harris Technologies Inc	9,527	$2.098M	0.6%	$179.21	+15.9%	COM	502431109
INTC	Intel Corp	38,271	$2.039M	0.6%	$48.79	+2.1%	COM	458140100
CSCO	Cisco Systems	37,173	$2.023M	0.6%	$20.03	+145.8%	COM	17275R102
DHR	Danaher Corp	6,554	$1.995M	0.6%	$43.18	+517.8%	COM	235851102
SPY	SPDR S&P 500 ETF	4,597	$1.973M	0.6%	$296.77	—	ETF	78462F103
TIPX	SPDR Blmbrg Brcly 1-10 Yr TIP	93,313	$1.969M	0.6%	$20.79	—	ETF	78468R861
BRK/B	Berkshire Hathaway B	6,988	$1.907M	0.6%	$148.60	+89.0%	COM	084670702
PYPL	Paypal Holdings, Inc.	7,136	$1.857M	0.5%	$62.84	+350.5%	COM	70450Y103
UNP	Union Pacific Corp	9,410	$1.844M	0.5%	$71.27	+174.0%	COM	907818108
PWR	Quanta Services Inc	15,713	$1.788M	0.5%	$46.03	+116.2%	COM	74762E102
VIG	Vanguard Div Appreciation ETF	10,534	$1.618M	0.5%	$101.48	—	ETF	921908844
TMO	Thermo Fisher Scientific	2,824	$1.613M	0.5%	$134.68	+302.7%	COM	883556102
HD	Home Depot	4,748	$1.559M	0.5%	$194.89	+51.1%	COM	437076102
TFC	Truist Finl Corp	25,983	$1.524M	0.4%	$40.53	+11.3%	COM	89832Q109
XBI	SPDR S&P Biotech ETF	11,985	$1.507M	0.4%	$96.67	—	ETF	78464A870
MCD	McDonalds Corp	6,193	$1.493M	0.4%	$84.09	+156.7%	COM	580135101
FNDE	Sch Fundamental EM Lg Co ETF	45,470	$1.465M	0.4%	$32.24	—	ETF	808524730
PFE	Pfizer Inc	33,773	$1.453M	0.4%	$20.88	+70.9%	COM	717081103
IBM	International Business Machines	10,158	$1.411M	0.4%	$100.46	+11.6%	COM	459200101
GPN	Global Payments, Inc.	8,775	$1.383M	0.4%	$166.25	+0.3%	COM	37940X102
FISV	Fiserv Inc.	12,656	$1.373M	0.4%	$68.47	+63.2%	COM	337738108
META	Facebook Inc Class A	4,029	$1.367M	0.4%	$197.99	+80.7%	COM	30303M102
EMTL	SPDR DoubleLine EM ETF	27,147	$1.366M	0.4%	$49.50	—	ETF	78470P309
V	Visa, Inc.	6,038	$1.345M	0.4%	$77.98	+191.1%	COM	92826C839
CVX	ChevronTexaco Corp	13,123	$1.331M	0.4%	$75.70	+10.1%	COM	166764100
JHSC	JH/DFA Small Cap Value ETF	38,397	$1.327M	0.4%	$28.11	—	ETF	47804J842
EMR	Emerson Electric	13,993	$1.318M	0.4%	$46.88	+94.5%	COM	291011104
RTX	Raytheon Technologies Co	14,588	$1.254M	0.4%	$53.70	+44.1%	COM	75513E101
AVGO	Broadcom Limited	2,579	$1.25M	0.4%	$37.44	+18.8%	COM	11135F101
BMY	Bristol Myers Squibb	21,073	$1.247M	0.4%	$40.63	+35.0%	COM	110122108
CRM	Salesforce Com	4,530	$1.229M	0.4%	$149.11	+68.3%	COM	79466L302
NKE	Nike Inc Class B	8,435	$1.225M	0.4%	$75.42	+102.3%	COM	654106103
PANW	Palo Alto Networks Inc	2,467	$1.182M	0.3%	$26.78	+162.3%	COM	697435105
XOM	Exxon-Mobil	19,182	$1.128M	0.3%	$52.41	-7.6%	COM	30231G102
TOTL	SPDR Doubleline Ttl Rtrn	21,312	$1.03M	0.3%	$195.57	—	ETF	78467V848
PBE	Invesco Biotech & Genomics ETF	13,201	$988K	0.3%	$57.19	—	ETF	46137V787
ADP	Automatic Data Processing	4,899	$979K	0.3%	$46.09	+307.3%	COM	053015103
BX	Blackstone Group Lp	8,363	$973K	0.3%	$51.88	+93.4%	COM	09260D107
KLIC	Kulicke & Soffa Inds	15,779	$920K	0.3%	$51.85	+11.6%	COM	501242101
IVW	iShares S&P 500 Barra Gr. Fd.	12,211	$903K	0.3%	$69.75	—	ETF	464287309
MUNI	Pimco Intermediate Muni ETF	15,711	$886K	0.3%	$56.39	—	ETF	72201R866
MA	Mastercard Inc	2,532	$880K	0.3%	$135.48	+161.8%	COM	57636Q104
NEE	NextEra Energy Inc.	11,048	$868K	0.3%	$65.19	+10.2%	COM	65339F101
XLK	SPDR Technology Select Sector	5,757	$860K	0.2%	$69.25	—	ETF	81369Y803
VO	Vanguard Mid-Cap ETF	3,542	$839K	0.2%	$187.29	—	ETF	922908629
—	Catchmark Timber Tr	70,207	$833K	0.2%	$8.36	—	COM	14912Y202
QCOM	Qualcomm Corp	5,987	$772K	0.2%	$129.36	-0.4%	COM	747525103
ROP	Roper Technologies, Inc	1,726	$770K	0.2%	$172.44	+170.5%	COM	776696106
MDLZ	Mondelez Intl Inc Cl A	13,211	$769K	0.2%	$42.03	+31.9%	COM	609207105
ITW	Illinois Tool Works	3,685	$761K	0.2%	$94.83	+114.0%	COM	452308109
BABA	Alibaba Group Hldg Adr	5,087	$753K	0.2%	$184.00	—	ADR	01609W102
CWI	SPDR MSCI Acwi Ex-US	24,921	$722K	0.2%	$32.37	—	ETF	78463X848
SCHB	Schwab Dow Jones US Broad Mkt ETF	6,902	$717K	0.2%	$16.96	—	ETF	808524102
VDC	Vanguard Consumer Staples ETF	3,932	$705K	0.2%	$125.71	—	ETF	92204A207
ABT	Abbott Labs	5,845	$690K	0.2%	$32.49	+249.2%	COM	002824100
VBR	Vanguard Small-Cap Value ETF	3,988	$675K	0.2%	$122.08	—	ETF	922908611
SWK	Stanley Works	3,846	$674K	0.2%	$131.16	+27.1%	COM	854502101
TSN	Tyson Foods Inc	8,064	$637K	0.2%	$51.88	+26.9%	COM	902494103
WMT	Wal-Mart Stores	4,570	$637K	0.2%	$35.37	+28.6%	COM	931142103
KO	Coca Cola	11,389	$598K	0.2%	$29.54	+65.2%	COM	191216100
ORCL	Oracle Systems	6,795	$592K	0.2%	$52.75	+58.0%	COM	68389X105
CFG	Citizens Financial Group	12,018	$565K	0.2%	$26.06	+39.7%	COM	174610105
MDY	S&P 400 Mid-Cap SPDR ETF	1,148	$552K	0.2%	$130502.24	—	ETF	78467Y107
AMT	American Tower Corp	2,063	$548K	0.2%	$215.58	+15.3%	COM	03027X100
T	AT&T Corp	20,262	$547K	0.2%	$15.53	+3.5%	COM	00206R102
STT	State Street Boston Corp	6,257	$530K	0.2%	$44.55	+68.6%	COM	857477103
UPS	UPS Inc	2,897	$527K	0.2%	$144.74	+12.4%	COM	911312106
IVE	iShares S&P 500 Value ETF	3,590	$522K	0.2%	$78.28	—	ETF	464287408
LMT	Lockheed Martin Corp	1,472	$508K	0.1%	$167.32	+91.7%	COM	539830109
CMC	Commercial Metals Co	16,619	$506K	0.1%	$23.09	+29.7%	COM	201723103
PEG	Public Svc Enterprise	8,178	$498K	0.1%	$41.63	+29.4%	COM	744573106
FIXD	First Trust TCWOpportunistic Fxd Inc ETF	9,005	$482K	0.1%	$53.16	—	ETF	33740F805
ALL	Allstate Corp	3,767	$480K	0.1%	$98.63	+20.3%	COM	020002101
TJX	TJX Cos Inc	7,189	$474K	0.1%	$39.82	+64.3%	COM	872540109
D	Dominion Res Inc Va	6,386	$466K	0.1%	$62.04	+0.6%	COM	25746U109
PM	Philip Morris Intl Inc	4,487	$425K	0.1%	$59.61	+36.0%	COM	718172109
ABBV	AbbVie Inc	3,907	$421K	0.1%	$50.41	+92.9%	COM	00287Y109
STZ	Constellation Brands	1,999	$421K	0.1%	$174.86	+16.0%	COM	21036P108
VB	Vanguard Small Cap ETF	1,916	$419K	0.1%	$123.18	—	ETF	922908751
VTIP	Vanguard Sht-Term Infl Prot Sec ETF	7,966	$419K	0.1%	$49.15	—	ETF	922020805
AON	AON Corp	1,466	$419K	0.1%	$191.78	+35.7%	COM	G0403H108
AMAT	Applied Materials	3,216	$414K	0.1%	$25.12	+419.9%	COM	038222105
BSV	Vanguard Short-Term Bond ETF	4,995	$409K	0.1%	$81.05	—	ETF	921937827
GE	General Electric	3,970	$409K	0.1%	$62.95	0.0%	COM	369604301
SWKS	Skyworks Solutions	2,409	$397K	0.1%	$97.98	+65.2%	COM	83088M102
XITK	SPDR Sr Innovative Tech	1,841	$397K	0.1%	$179.81	—	ETF	78464A110
FNDX	Sch Fundamental US Large Co ETF	7,301	$394K	0.1%	$10.74	—	ETF	808524771
C	Citigroup Inc	5,389	$378K	0.1%	$45.09	+32.4%	COM	172967424
SBUX	Starbucks Corp	3,373	$372K	0.1%	$95.30	+10.9%	COM	855244109
—	Chase Corp	3,610	$369K	0.1%	$95.51	—	COM	16150R104
—	Western Asset Muni Hi Income	45,977	$365K	0.1%	$7.94	—	COM	95766N103
MBB	iShares MBS ETF	3,374	$365K	0.1%	$110.10	—	ETF	464288588
TGT	Target Corp	1,564	$358K	0.1%	$118.66	+85.3%	COM	87612E106
KLAC	KLA Tencor Corp	1,054	$352K	0.1%	$306.34	+4.0%	COM	482480100
VOE	Vanguard Mid Cap Value ETF	2,503	$349K	0.1%	$101.42	—	ETF	922908512
MO	Altria Group Inc	7,635	$348K	0.1%	$29.03	+17.1%	COM	02209S103
SCHE	Schwab FTSE Emerging Mkt ETF	11,385	$347K	0.1%	$27.74	—	ETF	808524706
—	Nuveen Inter Dur Qlty Muni	23,550	$345K	0.1%	$12.91	—	ETF	670677103
DD	Du Pont E I De Nemours	5,015	$341K	0.1%	$21.08	+34.5%	COM	26614N102
FLOT	iShares Floating Rate Bond ETF	6,507	$331K	0.1%	$50.91	—	ETF	46429B655
LLY	Lilly Eli & Co	1,430	$330K	0.1%	$158.49	+49.3%	COM	532457108
SCHP	Schwab US TIPS ETF	5,268	$330K	0.1%	$255.66	—	ETF	808524870
MMM	3M Company	1,868	$328K	0.1%	$129.91	+5.7%	COM	88579Y101
—	Beauty Health Company Eqy Warrant	22,644	$328K	0.1%	$14.49	—	COM	88331L116
NOW	Service Now Inc	524	$326K	0.1%	$104.09	+16.3%	COM	81762P102
INTU	Intuit Inc.	602	$325K	0.1%	$340.30	+54.1%	COM	461202103
PGX	Invesco Preferred	21,355	$321K	0.1%	$14.79	—	PFD	46138E511
MTUM	iShares MSCI USA Momentum	1,829	$321K	0.1%	$139.42	—	ETF	46432F396
DEO	Diageo Plc	1,651	$319K	0.1%	$137.49	—	COM	25243Q205
—	HACK- PureFunds ISE Cyber Security ETF	5,075	$309K	0.1%	$77.06	—	ETF	26924G201
DUK	Duke Energy	3,155	$308K	0.1%	$87.25	0.0%	COM	26441C204
NVS	Novartis A G	3,739	$306K	0.1%	$71.89	—	COM	66987V109
AMD	Advanced Micro Devices	2,961	$305K	0.1%	$102.22	0.0%	COM	007903107
SHOP	Shopify Inc	222	$301K	0.1%	$71.22	+110.4%	COM	82509L107
GS	Goldman Sachs Group	772	$292K	0.1%	$199.10	+75.8%	COM	38141G104
SUB	iShares Sht-Term National Muni ETF	2,704	$291K	0.1%	$106.12	—	ETF	464288158
GEM	Gldmn Sachs ActiveBeta Emrg Mkts	7,589	$282K	0.1%	$32.86	—	ETF	381430206
IWM	iShares Russell 2000 Index Fund ETF	1,275	$279K	0.1%	$196.08	—	ETF	464287655
PPG	PPG Inds Inc	1,920	$275K	0.1%	$86.36	+69.9%	COM	693506107
CRWD	Crowdstrike Hldgs Inc	1,115	$274K	0.1%	$219.03	+17.8%	COM	22788C105
DOW	Dow Chemical	4,674	$269K	0.1%	$45.81	+4.4%	COM	260557103
HPQ	Hewlett Packard	9,774	$267K	0.1%	$15.17	+62.2%	COM	40434L105
LQD	iShares Inv. Grade Corp. Bd.	1,975	$263K	0.1%	$114.77	—	ETF	464287242
SYY	Sysco Inc	3,264	$256K	0.1%	$50.42	+34.4%	COM	871829107
BDX	Becton Dickinson	1,028	$253K	0.1%	$137.19	+66.2%	COM	075887109
—	Unilever Plc Adr New	4,580	$248K	0.1%	$60.26	—	ADR	904767704
SPLV	Invesco S&P 500 Low Volatility ETF	4,028	$245K	0.1%	$53.58	—	ETF	46138E354
CARR	Carrier Global Corp	4,741	$245K	0.1%	$41.98	+20.8%	COM	14448C104
NSC	Norfolk Southern Corp	1,000	$239K	0.1%	$179.92	+29.8%	COM	655844108
WFC	Wells Fargo & Company	5,140	$239K	0.1%	$31.62	+31.5%	COM	949746101
ES	Eversource Energy	2,889	$236K	0.1%	$64.33	+13.3%	COM	30040W108
COP	Conoco Phillips	3,405	$231K	0.1%	$47.19	+4.5%	COM	20825C104
VRTX	Vertex Pharmaceuticals	1,258	$228K	0.1%	$219.65	-11.1%	COM	92532F100
VGT	Vanguard Info Technology	557	$224K	0.1%	$398.56	—	ETF	92204A702
BA	Boeing Co	1,009	$222K	0.1%	$225.10	-0.9%	COM	097023105
PGF	Invesco Financial Pfd	11,659	$221K	0.1%	$18.74	—	PFD	46137V621
VOOG	Vanguard S&P 500 Growth	830	$221K	0.1%	$208.47	—	ETF	921932505
PAYX	Paychex Inc	1,949	$219K	0.1%	$99.29	0.0%	COM	704326107
—	TE Connectivity Ltd	1,550	$213K	0.1%	$121.14	—	COM	H84989104
COST	Costco Whsl Corp	473	$213K	0.1%	$418.22	0.0%	COM	22160K105
RSP	Invesco S&P 500 Eq. Wgt. ETF	1,409	$211K	0.1%	$108.26	—	ETF	46137V357
—	IPAY - ETFMG Mobile Payments	3,097	$210K	0.1%	$66.52	—	ETF	26924G409
NOC	Northrop Grumman Corp	560	$202K	0.1%	$333.78	+0.8%	COM	666807102
—	Clearside Biomedical Inc	21,523	$129K	0.0%	$5.99	—	COM	185063104
—	Osisko Gold Royaltie	11,139	$125K	0.0%	$11.22	—	COM	68827L101
ET	Energy Transfer Equity	12,000	$115K	0.0%	$9.58	—	COM	29273V100
—	Sundial Growers Inc	101,420	$69,000	0.0%	$0.68	—	COM	86730L109
OVID	Ovid Therapeutics Inc	15,522	$52,000	0.0%	$3.65	0.0%	COM	690469101
—	Histogen Ord	52,522	$40,000	0.0%	$0.76	—	COM	43358Y103
MDNAF	Medicenna Therapeutics Corp	12,915	$36,000	0.0%	$2.48	0.0%	COM	58490H107
—	Aptose Biosciences	12,915	$28,000	0.0%	$2.17	—	COM	03835T200
ONCY	Oncolytics Biotech	12,915	$27,000	0.0%	$2.26	0.0%	COM	682310875
—	Solid Biosciences Inc	10,023	$24,000	0.0%	$2.39	—	COM	83422E105
—	PolarityTE Inc	20,803	$13,000	0.0%	$0.62	—	COM	731094108
LBRMF	Labrador Iron Mines Holdings Ltd	96,522	$11,000	0.0%	$0.19	0.0%	COM	505435107
—	Oragenics Inc	10,468	$7,000	0.0%	$0.67	—	COM	684023302