Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab Dow Jones US Large Cap ETF	170,861	$19.45M	5.9%	$18.86	—	ETF	808524201
SCHD	Schwab Dow Jones US Div Eq ETF	223,406	$18.06M	5.5%	$10.50	—	ETF	808524797
AAPL	Apple, Inc	79,057	$14.04M	4.3%	$96.02	+61.1%	COM	037833100
MSFT	Microsoft Corp	32,507	$10.93M	3.3%	$27.81	+1027.0%	COM	594918104
SGOL	ETFS Phys. Swiss Gold Shares	592,383	$10.4M	3.2%	$16.57	—	ETF	00326A104
SCHG	Schwab Dow Jones US Large Growth ETF	62,412	$10.22M	3.1%	$14.31	—	ETF	808524300
GOOGL	Alphabet, Inc. Cl A	3,223	$9.337M	2.8%	$40.33	+254.4%	COM	02079K305
SCHV	Schwab Dow Jones US Large Value ETF	124,250	$9.098M	2.8%	$39.99	—	ETF	808524409
SCHZ	Schwab US AGG Bnd ETF	135,257	$7.29M	2.2%	$52.09	—	ETF	808524839
SCHM	Schwab Dow Jones US Mid-Cap ETF	82,378	$6.626M	2.0%	$43.75	—	ETF	808524508
NOBL	Proshares S&P 500 Div Aristocrats	66,890	$6.567M	2.0%	$73.16	—	ETF	74348A467
FPE	First Trust Preferred Sec & Inc ETF	312,131	$6.343M	1.9%	$20.54	—	ETF	33739E108
JNJ	Johnson & Johnson	29,652	$5.073M	1.5%	$114.01	+27.3%	COM	478160104
SCHA	Schwab Dow Jones US Sm-Cap ETF	47,485	$4.862M	1.5%	$53.16	—	ETF	808524607
VSLU	Applied Finance Valuation Lg Cap ETF	149,721	$4.249M	1.3%	$26.63	—	ETF	26923N405
MRK	Merck & Co Inc	54,103	$4.147M	1.3%	$66.02	+5.9%	COM	58933Y105
LOW	Lowes Companies	15,675	$4.052M	1.2%	$63.34	+247.0%	COM	548661107
SDY	SPDR S&P Dividend ETF	29,531	$3.813M	1.2%	$74.09	—	ETF	78464A763
IJR	iShares S&P Smallcap 600 Index ETF	32,740	$3.75M	1.1%	$85.10	—	ETF	464287804
IJH	iShares S&P Midcap 400 Index ETF	13,190	$3.734M	1.1%	$132.66	—	ETF	464287507
JPM	J P Morgan Chase & Co	23,184	$3.671M	1.1%	$85.44	+73.0%	COM	46625H100
SCHF	Schwab FTSE Developed ex-US ETF	90,110	$3.503M	1.1%	$9.43	—	ETF	808524805
PG	Procter & Gamble Inc	21,234	$3.473M	1.1%	$55.49	+141.7%	COM	742718109
AMZN	Amazon.com	1,035	$3.451M	1.0%	$95.72	+78.8%	COM	023135106
VOO	Vanguard S&P 500 ETF	7,662	$3.345M	1.0%	$277.45	—	ETF	922908363
GOOG	Alphabet, Inc. Cl C	1,113	$3.221M	1.0%	$39.89	+259.6%	COM	02079K107
PEP	Pepsico	17,593	$3.056M	0.9%	$56.73	+152.9%	COM	713448108
GLD	SPDR Gold Shares	16,952	$2.898M	0.9%	$143.27	—	ETF	78463V107
NVDA	Nvidia Corp	9,697	$2.852M	0.9%	$17.01	+61.4%	COM	67066G104
VZ	Verizon Communications	50,770	$2.638M	0.8%	$40.99	-1.5%	COM	92343V104
CVS	CVS Health Corporation	25,565	$2.637M	0.8%	$48.23	+66.9%	COM	126650100
VNQ	Vanguard REIT	22,585	$2.62M	0.8%	$79.79	—	ETF	922908553
BAC	Bank Of America	56,915	$2.532M	0.8%	$25.13	+63.2%	COM	060505104
MDT	Medtronic plc	23,225	$2.403M	0.7%	$86.23	+18.3%	COM	G5960L103
VEU	Vanguard FTSE All-World ex-USA ETF	38,820	$2.379M	0.7%	$47.77	—	ETF	922042775
DIS	Disney Walt Co	15,346	$2.377M	0.7%	$73.93	+113.4%	COM	254687106
UNP	Union Pacific Corp	9,410	$2.371M	0.7%	$71.27	+201.7%	COM	907818108
CSCO	Cisco Systems	36,914	$2.339M	0.7%	$20.03	+151.9%	COM	17275R102
VUG	Vanguard Growth ETF	7,149	$2.294M	0.7%	$80.76	—	ETF	922908736
VTV	Vanguard Value ETF	15,572	$2.291M	0.7%	$84.95	—	ETF	922908744
AMGN	Amgen Inc	9,901	$2.227M	0.7%	$117.32	+57.8%	COM	031162100
SPY	SPDR S&P 500 ETF	4,608	$2.189M	0.7%	$296.77	—	ETF	78462F103
DHR	Danaher Corp	6,545	$2.153M	0.7%	$43.18	+525.5%	COM	235851102
BRK/B	Berkshire Hathaway B	7,123	$2.13M	0.6%	$151.22	+89.4%	COM	084670702
LHX	L3Harris Technologies Inc	9,542	$2.035M	0.6%	$179.21	+13.6%	COM	502431109
PFE	Pfizer Inc	33,776	$1.994M	0.6%	$20.88	+92.7%	COM	717081103
HD	Home Depot	4,694	$1.948M	0.6%	$194.89	+76.1%	COM	437076102
TIPX	SPDR Blmbrg Brcly 1-10 Yr TIP	89,609	$1.893M	0.6%	$20.79	—	ETF	78468R861
TMO	Thermo Fisher Scientific	2,814	$1.878M	0.6%	$134.68	+358.3%	COM	883556102
AVGO	Broadcom Limited	2,743	$1.825M	0.6%	$38.30	+35.2%	COM	11135F101
VIG	Vanguard Div Appreciation ETF	10,549	$1.812M	0.5%	$101.48	—	ETF	921908844
PWR	Quanta Services Inc	15,593	$1.788M	0.5%	$46.03	+148.8%	COM	74762E102
INTC	Intel Corp	33,673	$1.734M	0.5%	$48.79	-3.1%	COM	458140100
IEMG	iShare Core MSCI Emerging Markets	28,014	$1.677M	0.5%	$59.86	—	ETF	46434G103
CVX	ChevronTexaco Corp	14,210	$1.668M	0.5%	$77.26	+24.4%	COM	166764100
MCD	McDonalds Corp	6,197	$1.661M	0.5%	$84.09	+173.0%	COM	580135101
TFC	Truist Finl Corp	26,872	$1.573M	0.5%	$40.83	+21.7%	COM	89832Q109
JHSC	JH/DFA Small Cap Value ETF	40,417	$1.465M	0.4%	$28.51	—	ETF	47804J842
FNDE	Sch Fundamental EM Lg Co ETF	47,000	$1.457M	0.4%	$32.20	—	ETF	808524730
NKE	Nike Inc Class B	8,438	$1.406M	0.4%	$75.42	+104.9%	COM	654106103
XBI	SPDR S&P Biotech ETF	12,425	$1.391M	0.4%	$97.21	—	ETF	78464A870
PANW	Palo Alto Networks Inc	2,467	$1.374M	0.4%	$26.78	+223.0%	COM	697435105
PYPL	Paypal Holdings, Inc.	7,229	$1.363M	0.4%	$64.81	+233.1%	COM	70450Y103
IBM	International Business Machines	10,099	$1.35M	0.4%	$100.46	+6.0%	COM	459200101
BMY	Bristol Myers Squibb	21,100	$1.316M	0.4%	$40.63	+21.2%	COM	110122108
META	Meta Platforms Cl A	3,899	$1.311M	0.4%	$197.99	+66.5%	COM	30303M102
FISV	Fiserv Inc.	12,543	$1.302M	0.4%	$68.47	+51.0%	COM	337738108
EMR	Emerson Electric	13,994	$1.301M	0.4%	$46.88	+84.5%	COM	291011104
V	Visa, Inc.	5,988	$1.298M	0.4%	$77.98	+166.9%	COM	92826C839
GSIE	Goldman Sachs ActiveBeta Intl Eq ETF	36,712	$1.295M	0.4%	$35.27	—	ETF	381430107
RTX	Raytheon Technologies Co	14,752	$1.27M	0.4%	$53.99	+46.9%	COM	75513E101
GPN	Global Payments, Inc.	9,292	$1.256M	0.4%	$164.37	-19.4%	COM	37940X102
EMTL	SPDR DoubleLine EM ETF	25,422	$1.241M	0.4%	$49.50	—	ETF	78470P309
ADP	Automatic Data Processing	4,793	$1.182M	0.4%	$46.09	+349.8%	COM	053015103
XOM	Exxon-Mobil	19,043	$1.165M	0.4%	$52.41	+2.8%	COM	30231G102
CRM	Salesforce Com	4,467	$1.135M	0.3%	$149.11	+86.2%	COM	79466L302
QCOM	Qualcomm Corp	6,082	$1.112M	0.3%	$129.62	+12.7%	COM	747525103
BX	Blackstone Group Lp	8,472	$1.096M	0.3%	$52.70	+120.3%	COM	09260D107
NEE	NextEra Energy Inc.	11,265	$1.052M	0.3%	$65.43	+18.2%	COM	65339F101
KLIC	Kulicke & Soffa Inds	17,365	$1.051M	0.3%	$51.98	+2.5%	COM	501242101
TOTL	SPDR Doubleline Ttl Rtrn	22,113	$1.047M	0.3%	$190.20	—	ETF	78467V848
IVW	iShares S&P 500 Barra Gr. Fd.	12,212	$1.022M	0.3%	$69.75	—	ETF	464287309
XLK	SPDR Technology Select Sector	5,718	$994K	0.3%	$69.25	—	ETF	81369Y803
ROP	Roper Technologies, Inc	1,976	$972K	0.3%	$209.33	+121.6%	COM	776696106
VO	Vanguard Mid-Cap ETF	3,779	$963K	0.3%	$191.53	—	ETF	922908629
PBE	Invesco Biotech & Genomics ETF	13,401	$954K	0.3%	$57.40	—	ETF	46137V787
MA	Mastercard Inc	2,621	$942K	0.3%	$142.35	+137.3%	COM	57636Q104
ITW	Illinois Tool Works	3,685	$909K	0.3%	$94.83	+121.8%	COM	452308109
MDLZ	Mondelez Intl Inc Cl A	13,411	$889K	0.3%	$42.23	+31.0%	COM	609207105
MUNI	Pimco Intermediate Muni ETF	15,767	$886K	0.3%	$56.39	—	ETF	72201R866
ABT	Abbott Labs	5,845	$823K	0.2%	$32.49	+265.3%	COM	002824100
SCHB	Schwab Dow Jones US Broad Mkt ETF	6,726	$760K	0.2%	$16.96	—	ETF	808524102
VDC	Vanguard Consumer Staples ETF	3,721	$744K	0.2%	$125.71	—	ETF	92204A207
VBR	Vanguard Small-Cap Value ETF	4,155	$743K	0.2%	$124.36	—	ETF	922908611
CWI	SPDR MSCI Acwi Ex-US	25,039	$734K	0.2%	$32.37	—	ETF	78463X848
SWK	Stanley Works	3,849	$726K	0.2%	$131.16	+20.9%	COM	854502101
TSN	Tyson Foods Inc	8,068	$703K	0.2%	$51.88	+39.0%	COM	902494103
SKIN	Beauty Health Company CL A ORD	28,144	$680K	0.2%	$25.77	0.0%	COM	88331L108
KO	Coca Cola	11,393	$675K	0.2%	$29.54	+66.5%	COM	191216100
UPS	UPS Inc	3,072	$658K	0.2%	$146.09	+15.4%	COM	911312106
WMT	Wal-Mart Stores	4,531	$656K	0.2%	$35.37	+27.7%	COM	931142103
AMT	American Tower Corp	2,088	$611K	0.2%	$215.87	+10.9%	COM	03027X100
MDY	S&P 400 Mid-Cap SPDR ETF	1,167	$604K	0.2%	$128385.95	—	ETF	78467Y107
CMC	Commercial Metals Co	16,625	$603K	0.2%	$23.09	+35.3%	COM	201723103
ORCL	Oracle Systems	6,809	$594K	0.2%	$52.75	+68.5%	COM	68389X105
STT	State Street Boston Corp	6,007	$559K	0.2%	$44.55	+83.9%	COM	857477103
IVE	iShares S&P 500 Value ETF	3,486	$546K	0.2%	$78.28	—	ETF	464287408
CFG	Citizens Financial Group	11,527	$545K	0.2%	$26.06	+54.5%	COM	174610105
TJX	TJX Cos Inc	7,114	$540K	0.2%	$39.82	+63.9%	COM	872540109
ABBV	AbbVie Inc	3,887	$526K	0.2%	$50.41	+101.8%	COM	00287Y109
LMT	Lockheed Martin Corp	1,473	$523K	0.2%	$167.32	+84.6%	COM	539830109
PEG	Public Svc Enterprise	7,780	$519K	0.2%	$41.63	+32.1%	COM	744573106
REGN	Regeneron Pharm	817	$516K	0.2%	$611.44	0.0%	COM	75886F107
AMAT	Applied Materials	3,214	$506K	0.2%	$25.12	+455.7%	COM	038222105
KLAC	KLA Tencor Corp	1,174	$505K	0.2%	$312.80	+18.1%	COM	482480100
D	Dominion Res Inc Va	6,386	$502K	0.2%	$62.04	+0.2%	COM	25746U109
STZ	Constellation Brands	1,945	$488K	0.1%	$174.86	+21.5%	COM	21036P108
ECL	Ecolab Inc	1,932	$453K	0.1%	$215.53	0.0%	COM	278865100
ALL	Allstate Corp	3,824	$450K	0.1%	$98.75	+8.3%	COM	020002101
AON	AON Corp	1,466	$441K	0.1%	$191.78	+51.7%	COM	G0403H108
AMD	Advanced Micro Devices	3,001	$432K	0.1%	$102.65	+31.0%	COM	007903107
FNDX	Sch Fundamental US Large Co ETF	7,349	$431K	0.1%	$10.74	—	ETF	808524771
VTIP	Vanguard Sht-Term Infl Prot Sec ETF	8,244	$424K	0.1%	$49.23	—	ETF	922020805
SBUX	Starbucks Corp	3,615	$423K	0.1%	$95.77	+6.7%	COM	855244109
DD	Du Pont E I De Nemours	5,015	$405K	0.1%	$21.08	+38.6%	COM	26614N102
PM	Philip Morris Intl Inc	4,251	$404K	0.1%	$59.61	+28.0%	COM	718172109
LLY	Lilly Eli & Co	1,430	$395K	0.1%	$158.49	+53.9%	COM	532457108
VB	Vanguard Small Cap ETF	1,707	$386K	0.1%	$123.18	—	ETF	922908751
INTU	Intuit Inc.	600	$386K	0.1%	$340.30	+76.7%	COM	461202103
VOE	Vanguard Mid Cap Value ETF	2,512	$378K	0.1%	$101.42	—	ETF	922908512
BABA	Alibaba Group Hldg Adr	3,179	$378K	0.1%	$184.00	—	ADR	01609W102
GE	General Electric	3,970	$375K	0.1%	$62.95	-2.2%	COM	369604301
SWKS	Skyworks Solutions	2,409	$374K	0.1%	$97.98	+44.9%	COM	83088M102
TGT	Target Corp	1,612	$373K	0.1%	$121.51	+76.3%	COM	87612E106
—	Western Asset Muni Hi Income	46,343	$372K	0.1%	$7.94	—	ETF	95766N103
—	Wells Fargo & Co 7.50 Pfd	247	$369K	0.1%	$1493.93	—	PFD	949746804
HPQ	Hewlett Packard	9,752	$367K	0.1%	$15.17	+85.9%	COM	40434L105
DEO	Diageo Plc	1,651	$363K	0.1%	$137.49	—	COM	25243Q205
MO	Altria Group Inc	7,635	$362K	0.1%	$29.03	+13.0%	COM	02209S103
MBB	iShares MBS ETF	3,374	$362K	0.1%	$110.10	—	ETF	464288588
—	Chase Corp	3,610	$359K	0.1%	$95.51	—	COM	16150R104
—	Nuveen Inter Dur Qlty Muni	23,754	$350K	0.1%	$12.91	—	ETF	670677103
XITK	SPDR Sr Innovative Tech	1,815	$347K	0.1%	$179.81	—	ETF	78464A110
SCHE	Schwab FTSE Emerging Mkt ETF	11,500	$341K	0.1%	$27.76	—	ETF	808524706
SCHP	Schwab US TIPS ETF	5,309	$334K	0.1%	$255.66	—	ETF	808524870
MTUM	iShares MSCI USA Momentum	1,829	$333K	0.1%	$139.42	—	ETF	46432F396
MMM	3M Company	1,868	$332K	0.1%	$129.91	-2.0%	COM	88579Y101
BSV	Vanguard Short-Term Bond ETF	4,090	$331K	0.1%	$81.05	—	ETF	921937827
DUK	Duke Energy	3,155	$331K	0.1%	$87.25	-1.1%	COM	26441C204
PPG	PPG Inds Inc	1,920	$331K	0.1%	$86.36	+70.8%	COM	693506107
FLOT	iShares Floating Rate Bond ETF	6,511	$330K	0.1%	$50.91	—	ETF	46429B655
NVS	Novartis A G	3,699	$324K	0.1%	$71.89	—	COM	66987V109
C	Citigroup Inc	5,290	$319K	0.1%	$45.09	+26.8%	COM	172967424
T	AT&T Corp	12,730	$313K	0.1%	$15.53	-5.5%	COM	00206R102
—	HACK- PureFunds ISE Cyber Security ETF	5,075	$312K	0.1%	$77.06	—	ETF	26924G201
SHOP	Shopify Inc	224	$309K	0.1%	$71.22	+105.2%	COM	82509L107
PGX	Invesco Preferred	20,495	$307K	0.1%	$14.79	—	ETF	46138E511
GS	Goldman Sachs Group	799	$306K	0.1%	$204.42	+74.4%	COM	38141G104
NOW	Service Now Inc	465	$302K	0.1%	$104.09	+26.1%	COM	81762P102
WYNN	Wynn Resorts	3,553	$302K	0.1%	$86.10	0.0%	COM	983134107
NSC	Norfolk Southern Corp	1,000	$298K	0.1%	$179.92	+41.9%	COM	655844108
SUB	iShares Sht-Term National Muni ETF	2,709	$291K	0.1%	$106.12	—	ETF	464288158
GEM	Gldmn Sachs ActiveBeta Emrg Mkts	7,751	$287K	0.1%	$32.94	—	ETF	381430206
IWM	iShares Russell 2000 Index Fund ETF	1,275	$284K	0.1%	$196.08	—	ETF	464287655
SPLV	Invesco S&P 500 Low Volatility ETF	4,028	$276K	0.1%	$53.58	—	ETF	46138E354
COST	Costco Whsl Corp	484	$275K	0.1%	$419.81	+16.3%	COM	22160K105
PAYX	Paychex Inc	1,951	$266K	0.1%	$99.29	+10.7%	COM	704326107
DOW	Dow Chemical	4,674	$265K	0.1%	$45.81	-1.7%	COM	260557103
ES	Eversource Energy	2,891	$263K	0.1%	$64.33	+13.0%	COM	30040W108
LQD	iShares Inv. Grade Corp. Bd.	1,975	$262K	0.1%	$114.77	—	ETF	464287242
BDX	Becton Dickinson	1,028	$259K	0.1%	$137.19	+62.9%	COM	075887109
CARR	Carrier Global Corp	4,743	$257K	0.1%	$41.98	+21.4%	COM	14448C104
SYY	Sysco Inc	3,254	$256K	0.1%	$50.42	+36.4%	COM	871829107
VGT	Vanguard Info Technology	557	$255K	0.1%	$398.56	—	ETF	92204A702
—	TE Connectivity Ltd	1,550	$250K	0.1%	$121.14	—	COM	H84989104
WFC	Wells Fargo & Company	5,140	$247K	0.1%	$31.62	+40.5%	COM	949746101
COP	Conoco Phillips	3,405	$246K	0.1%	$47.19	+32.7%	COM	20825C104
TSLA	Tesla Motors Inc	227	$240K	0.1%	$335.39	0.0%	COM	88160R101
MPLX	MPLX LP	8,000	$237K	0.1%	$29.63	—	COM	55336V100
—	Unilever Plc Adr New	4,400	$237K	0.1%	$60.26	—	ADR	904767704
RSP	Invesco S&P 500 Eq. Wgt. ETF	1,440	$234K	0.1%	$109.42	—	ETF	46137V357
BA	Boeing Co	1,146	$231K	0.1%	$223.45	-5.4%	COM	097023105
JCI	Johnson Controls PLC	2,720	$221K	0.1%	$69.63	0.0%	COM	G51502105
PGF	Invesco Financial Pfd	11,659	$219K	0.1%	$18.74	—	ETF	46137V621
NOC	Northrop Grumman Corp	560	$217K	0.1%	$333.78	+4.3%	COM	666807102
VT	Vanguard Total World ETF	1,992	$214K	0.1%	$107.43	—	ETF	922042742
CRWD	Crowdstrike Hldgs Inc	1,015	$208K	0.1%	$219.03	+11.2%	COM	22788C105
CTVA	Corteva Inc	4,374	$207K	0.1%	$43.54	0.0%	COM	22052L104
MS	Morgan Stanley Group	2,085	$205K	0.1%	$86.77	0.0%	COM	617446448
VRTX	Vertex Pharmaceuticals	923	$203K	0.1%	$219.65	-11.5%	COM	92532F100
SOFI	SoFi Technologies ORD	10,148	$160K	0.0%	$18.35	0.0%	COM	83406F102
—	Ashford Hospitality Trust Inc	16,332	$157K	0.0%	$9.61	—	COM	044103869
—	Osisko Gold Royaltie	11,139	$136K	0.0%	$11.22	—	COM	68827L101
—	Sundial Growers Inc	188,420	$109K	0.0%	$0.63	—	COM	86730L109
MLCO	MLCO	10,112	$103K	0.0%	$10.19	—	COM	585464100
—	Clearside Biomedical Inc	25,823	$71,000	0.0%	$5.45	—	COM	185063104
OVID	Ovid Therapeutics Inc	15,522	$50,000	0.0%	$3.65	-6.0%	COM	690469101
—	Mirion Technology	10,823	$27,000	0.0%	$2.49	—	COM	60471A119
MDNAF	Medicenna Therapeutics Corp	13,915	$23,000	0.0%	$2.45	-15.3%	COM	58490H107
—	Solid Biosciences Inc	12,023	$21,000	0.0%	$2.29	—	COM	83422E105
—	Aptose Biosciences	13,915	$19,000	0.0%	$2.11	—	COM	03835T200
ONCY	Oncolytics Biotech	13,915	$19,000	0.0%	$2.23	-17.3%	COM	682310875
—	Histogen Ord	52,522	$17,000	0.0%	$0.76	—	COM	43358Y103
—	Document Security Systems Inc	10,123	$7,000	0.0%	$0.69	—	COM	26253C102
—	Oragenics Inc	10,468	$5,000	0.0%	$0.67	—	COM	684023302