Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHB	Schw US Brd Mkt Etf	281,549	$18.06M	7.9%	$2074.54	—	US BRD MKT ETF	808524102
AAPL	Apple Computer Inc	61,810	$16.45M	7.2%	$23.89	+197.5%	COM	037833100
MSFT	Microsoft Corp	80,590	$13.31M	5.8%	$38.73	+303.7%	COM	594918104
AMZN	Amazon Com Inc	5,618	$11.48M	5.0%	$44.96	+115.3%	COM	023135106
V	Visa Inc Cl A	44,516	$7.788M	3.4%	$71.72	+151.9%	COM CL A	92826C839
QQQ	Invesco QQQ Trust	36,686	$7.358M	3.2%	$175.70	—	UNIT SER 1	46090E103
VZ	Verizon Communications	114,652	$6.627M	2.9%	$29.60	+38.5%	COM	92343V104
T	A T T Inc New	212,847	$6.362M	2.8%	$14.45	+25.7%	COM	00206R102
GOOGL	Alphabet A	4,737	$5.718M	2.5%	$47.64	+41.2%	CAP STK CL A	02079K305
BOND	Pimco Total Return	52,230	$5.632M	2.5%	$105.42	—	ACTIVE BD ETF	72201R775
HD	Home Depot Inc	27,857	$5.427M	2.4%	$81.71	+132.7%	COM	437076102
META	Facebook Inc Class A	28,869	$5.031M	2.2%	$121.70	+59.8%	CL A	30303M102
WM	Waste Management Inc Del	52,170	$4.989M	2.2%	$46.48	+124.1%	COM	94106L109
DBEF	Xtrackers MSCI EAFE Hedged Equity ETF	175,068	$4.832M	2.1%	$27.86	—	XTRACK MSCI EAFE	233051200
JPM	Jpmorgan Chase Co	47,941	$4.521M	2.0%	$65.28	+58.7%	COM	46625H100
BRK/B	Berkshire Hathaway Cl B	18,250	$3.486M	1.5%	$167.22	+27.1%	CL B NEW	084670702
JNJ	Johnson Johnson	22,866	$3.276M	1.4%	$67.72	+77.4%	COM	478160104
SPTL	Spdr Long Term Treasury	57,171	$2.698M	1.2%	$35.24	—	PORTFOLIO LN TSR	78464A664
CSCO	Cisco Systems Inc	60,719	$2.534M	1.1%	$19.48	+88.3%	COM	17275R102
MA	Mastercard Inc	8,534	$2.312M	1.0%	$99.27	+189.9%	CL A	57636Q104
PFE	Pfizer Incorporated	66,142	$2.289M	1.0%	$19.01	+35.9%	COM	717081103
SPY	S P D R SP 500 Etf Tr	8,214	$2.251M	1.0%	$281.96	—	TR UNIT	78462F103
BAC	Bank Of America Corp	94,689	$2.22M	1.0%	$20.05	+29.2%	COM	060505104
ABBV	Abbvie Inc	27,651	$2.172M	0.9%	$54.55	+23.2%	COM	00287Y109
VLO	Valero Energy Corp New	41,447	$2.139M	0.9%	$59.52	-3.9%	COM	91913Y100
—	Royal Dutch Shell A Adrf	54,280	$2.066M	0.9%	$51.34	—	SPONS ADR A	780259206
TMO	Thermo Electron Corp	6,617	$2.033M	0.9%	$125.86	+146.7%	COM	883556102
DIS	Disney Walt Co	19,228	$1.943M	0.8%	$108.04	+14.3%	COM DISNEY	254687106
ARKK	Ark Innovation Etf	42,104	$1.937M	0.8%	$45.25	—	INNOVATION ETF	00214Q104
UPS	United Parcel Service B	18,409	$1.819M	0.8%	$72.00	+13.7%	CL B	911312106
MRK	Merck Co Inc	22,009	$1.796M	0.8%	$38.54	+68.9%	COM	58933Y105
PSX	Phillips	25,454	$1.621M	0.7%	$52.66	+21.1%	COM	718546104
CVS	C V S Corp Del	26,914	$1.599M	0.7%	$50.22	+10.1%	COM	126650100
BABA	Alibaba Group Hldg Adr	7,644	$1.498M	0.7%	$182.89	—	SPONSORED ADS	01609W102
INTC	Intel Corp	25,292	$1.492M	0.6%	$19.01	+175.3%	COM	458140100
WFC	Wells Fargo Co New	48,797	$1.478M	0.6%	$39.26	-6.7%	COM	949746101
—	Wells Fargo L	1,138	$1.47M	0.6%	$1317.12	—	PERP PFD CNV A	949746804
SCHG	Schw US Lcap Gro Etf	17,431	$1.467M	0.6%	$86.05	—	US LCAP GR ETF	808524300
CRM	Salesforce Com	9,560	$1.445M	0.6%	$142.48	+18.9%	COM	79466L302
UNH	Unitedhealth Group Inc	5,390	$1.444M	0.6%	$172.94	+44.4%	COM	91324P102
IP	International Paper Co	41,171	$1.364M	0.6%	$31.28	-8.9%	COM	460146103
MMM	3m Company	8,952	$1.334M	0.6%	$61.91	+71.2%	COM	88579Y101
NVDA	Nvidia Corp	4,550	$1.215M	0.5%	$3.98	+57.7%	COM	67066G104
PG	Procter Gamble	10,409	$1.198M	0.5%	$61.37	+69.2%	COM	742718109
VO	Vanguard Mid Cap Etf	8,411	$1.19M	0.5%	$141.48	—	MID CAP ETF	922908629
—	Bank Of America	883	$1.165M	0.5%	$57003.94	—	7.25%CNV PFD L	060505682
PRU	Prudential Financial Inc	20,705	$1.139M	0.5%	$56.41	+4.6%	COM	744320102
HEI/A	Heico Corp	14,843	$1.079M	0.5%	$44.25	+100.3%	CL A	422806208
VEEV	Veeva Systems Inc	6,655	$1.068M	0.5%	$82.10	+78.6%	CL A COM	922475108
TFC	Truist Finl Corp Com	32,423	$1.06M	0.5%	$40.89	-12.0%	COM	89832Q109
BMY	Bristol-Myers Squibb Co	17,866	$1.041M	0.5%	$38.62	+25.8%	COM	110122108
EPD	Enterprise Prd Prtnrs	63,436	$1.014M	0.4%	$28.92	—	COM	293792107
—	Nuveen New York Dividend	77,364	$1.001M	0.4%	$14.26	—	COM	67066X107
SCHR	Schwab Intermediate Term	16,332	$954K	0.4%	$53.20	—	INTRM TRM TRES	808524854
C	Citigroup Inc	21,349	$945K	0.4%	$48.76	+11.1%	COM NEW	172967424
XLK	Sector Spdr Tech Select	10,509	$895K	0.4%	$36.75	—	TECHNOLOGY	81369Y803
IWB	Ishares Tr Russell	5,924	$892K	0.4%	$150.14	—	RUS 1000 ETF	464287622
SBUX	Starbucks Corp	12,375	$886K	0.4%	$62.22	+14.1%	COM	855244109
COST	Costco Whsl Corp New	2,697	$825K	0.4%	$277.78	0.0%	COM	22160K105
—	Nuveen Municipal Credit	59,564	$812K	0.4%	$15.13	—	COM SH BEN INT	67070X101
—	Nuveen Nj Div Ad Muni Fd	62,000	$810K	0.4%	$14.47	—	COM	67069Y102
SPLV	Invesco SP 500 Low Volatility	16,133	$804K	0.4%	$51.04	—	S&P500 LOW VOL	46138E354
CVX	Chevron Corporation	9,281	$798K	0.3%	$76.00	0.0%	COM	166764100
HON	Honeywell International	5,611	$781K	0.3%	$90.24	+51.3%	COM	438516106
D	Dominion Res Inc Va New	9,931	$777K	0.3%	$57.14	+10.5%	COM	25746U109
AXP	American Express Company	8,380	$772K	0.3%	$68.09	+58.0%	COM	025816109
PEP	Pepsico Incorporated	5,786	$767K	0.3%	$68.93	+63.6%	COM	713448108
USB	U S Bancorp Del New	21,368	$762K	0.3%	$37.36	-0.4%	COM NEW	902973304
MDT	Medtronic Inc	7,519	$746K	0.3%	$88.41	+2.0%	SHS	G5960L103
MDLZ	Mondelez Intl Inc Cl A	13,893	$720K	0.3%	$38.44	+21.5%	CL A	609207105
SCHO	Schwab Short Term US	13,771	$711K	0.3%	$49.91	—	SHT TM US TRES	808524862
XLY	Sector Spdr Consumer Fd	6,250	$655K	0.3%	$91.69	—	SBI CONS DISCR	81369Y407
TROW	Rowe T Price Group Inc	6,200	$654K	0.3%	$49.49	+93.1%	COM	74144T108
CMCSA	Comcast Corp New Cl A	16,727	$630K	0.3%	$24.89	+44.8%	CL A	20030N101
MET	Metlife Inc	18,297	$612K	0.3%	$25.79	+41.3%	COM	59156R108
XLP	Sector Spdr Tr Con Stpls	10,554	$608K	0.3%	$54.97	—	SBI CONS STPLS	81369Y308
LMT	Lockheed Martin Corp	1,667	$603K	0.3%	$224.38	+49.3%	COM	539830109
KO	Coca Cola Company	12,163	$582K	0.3%	$29.47	+52.7%	COM	191216100
—	CyberArk Software Ltd	6,651	$574K	0.3%	$95.78	—	SHS	M2682V108
TRV	Travelers Companies Inc	5,290	$555K	0.2%	$86.72	+26.4%	COM	89417E109
—	SPLUNK INC	4,418	$552K	0.2%	$126.04	—	COM	848637104
GOOG	Alphabet C	456	$552K	0.2%	$45.75	+47.2%	CAP STK CL C	02079K107
DHR	Danaher Corp Del	3,705	$538K	0.2%	$94.86	+38.4%	COM	235851102
VTI	Vanguard Total Stock Mkt	3,893	$533K	0.2%	$122.59	—	TOTAL STK MKT	922908769
ETN	Eaton Corporation	6,578	$527K	0.2%	$59.34	+39.3%	SHS	G29183103
YUM	Yum Brands Inc	6,672	$503K	0.2%	$88.71	-5.8%	COM	988498101
GS	Goldman Sachs Group Inc	2,819	$499K	0.2%	$167.87	+9.8%	COM	38141G104
MO	Altria Group Inc	11,554	$464K	0.2%	$23.24	+18.6%	COM	02209S103
—	Weingarten Rlty Invs Sbi	29,250	$464K	0.2%	$15.86	—	SH BEN INT	948741103
—	Proshares Short SP 500	17,966	$463K	0.2%	$26.11	—	SHORT S&P 500 NE	74347B425
JBLU	Jetblue Airways Corp	51,000	$461K	0.2%	$20.48	-19.1%	COM	477143101
NOW	Service Now Inc	1,681	$461K	0.2%	$37.24	+67.9%	COM	81762P102
DUK	Duke Energy Corp New	5,098	$436K	0.2%	$51.73	+40.6%	COM NEW	26441C204
VGT	Vanguard Info Technology	1,886	$423K	0.2%	$136.46	—	INF TECH ETF	92204A702
—	Cohen Steers Qual Income	42,934	$414K	0.2%	$11.77	—	COM	19247L106
MDYG	Spdr SP 400 Mid Cap	9,079	$413K	0.2%	$72.76	—	S&P 400 MDCP GRW	78464A821
ELV	Anthem Inc	1,600	$395K	0.2%	$161.00	+56.2%	COM	036752103
SCHD	Sch US Div Equity Etf	8,184	$395K	0.2%	$47.16	—	US DIVIDEND EQ	808524797
SHY	Ishares Tr Barclays Bond	4,481	$388K	0.2%	$86.59	—	1 3 YR TREAS BD	464287457
XLV	Sector Spdr Health Fund	4,108	$387K	0.2%	$94.21	—	SBI HEALTHCARE	81369Y209
ARKG	Ark Genomic Revolution	11,820	$385K	0.2%	$30.78	—	GENOMIC REV ETF	00214Q302
LOW	Lowes Companies Inc	4,021	$379K	0.2%	$74.56	+31.8%	COM	548661107
CLX	Clorox Company	2,067	$374K	0.2%	$138.67	0.0%	COM	189054109
NKE	Nike Inc Class B	4,162	$355K	0.2%	$75.11	+14.4%	CL B	654106103
MINT	Pimco Enhanced Short	3,466	$345K	0.2%	$99.54	—	ENHAN SHRT MA AC	72201R833
DOW	Dow Chemical Company	9,781	$340K	0.1%	$32.74	-6.6%	COM	260557103
VV	Vanguard Large Cap	2,651	$334K	0.1%	$108.01	—	LARGE CAP ETF	922908637
—	Adams Express Co	24,938	$333K	0.1%	$12.63	—	COM	006212104
MCD	Mc Donalds Corp	1,842	$327K	0.1%	$140.03	+22.7%	COM	580135101
IBM	Intl Business Machines	2,627	$313K	0.1%	$100.99	-2.7%	COM	459200101
ENB	Enbridge Inc	10,999	$312K	0.1%	$20.25	+23.5%	COM	29250N105
PYPL	Paypal Holdings Inco	2,931	$308K	0.1%	$110.40	-0.2%	COM	70450Y103
SO	The Southern Company	5,280	$307K	0.1%	$31.35	+61.0%	COM	842587107
AMD	Advanced Micro Devices	6,248	$305K	0.1%	$36.81	+30.9%	COM	007903107
—	Vmware Inc Cl A	2,284	$298K	0.1%	$153.20	—	CL A COM	928563402
ORCL	Oracle Corporation	5,696	$297K	0.1%	$28.36	+67.5%	COM	68389X105
XOM	Exxon Mobil Corporation	6,761	$296K	0.1%	$52.18	-19.3%	COM	30231G102
AEP	Amer Electric Pwr Co Inc	3,510	$292K	0.1%	$39.38	+94.4%	COM	025537101
EMR	Emerson Electric Co	5,563	$290K	0.1%	$41.60	+38.9%	COM	291011104
XEL	Xcel Energy Inc	4,564	$287K	0.1%	$46.93	+15.6%	COM	98389B100
PM	Philip Morris Intl Inc	3,828	$286K	0.1%	$48.88	+24.3%	COM	718172109
GILD	Gilead Sciences Inc	3,800	$285K	0.1%	$50.66	+8.4%	COM	375558103
WMT	Wal-Mart Stores Inc	2,304	$281K	0.1%	$28.01	+26.3%	COM	931142103
CTVA	Corteva Inc com	10,360	$270K	0.1%	$25.02	+2.2%	COM	22052L104
—	Credit Suisse Asset Mana	108,370	$268K	0.1%	$2.97	—	COM	224916106
XYZ	Square Inc	4,493	$256K	0.1%	$58.08	+17.8%	CL A	852234103
QCOM	Qualcomm Inc	3,413	$250K	0.1%	$72.63	-1.0%	COM	747525103
PFF	Ishares SP U S Pfd Fund	7,434	$243K	0.1%	$37.54	—	PFD AND INCM SEC	464288687
BP	Bp Plc Adr	9,586	$243K	0.1%	$33.58	—	SPONSORED ADR	055622104
SCHF	Schw Intl Eq Etf	8,703	$229K	0.1%	$31.20	—	INTL EQTY ETF	808524805
BA	Boeing Co	1,497	$220K	0.1%	$246.22	+10.8%	COM	097023105
SHW	Sherwin Williams Co	448	$219K	0.1%	$161.99	+5.7%	COM	824348106
XENWX	Eaton Vance Insured	19,858	$219K	0.1%	$12.43	—	COM	27827Y109
HIG	Hartford Finl Svcs Grp	5,501	$213K	0.1%	$24.35	+87.7%	COM	416515104
NFLX	Netflix Inc	554	$206K	0.1%	$35.38	0.0%	COM	64110L106
SPYV	SPDR Portfolio SP 500 Value ETF	7,451	$206K	0.1%	$27.65	—	PRTFLO S&P500 VL	78464A508
—	Unilever N V Ny Shs Newf	4,151	$205K	0.1%	$55.35	—	N Y SHS NEW	904784709
TSLA	Tesla Motors Inc	371	$204K	0.1%	$41.46	0.0%	COM	88160R101
—	Neuberger Bermn Real Est	56,000	$186K	0.1%	$4.70	—	COM	64190A103
CLBK	Columbia Financial,	12,420	$182K	0.1%	$16.66	-4.0%	COM	197641103
RMCF	Rocky Mtn Choc Fact New	15,013	$60,000	0.0%	$8.73	-11.4%	COM	77467X101
—	22nd Centy Group Inc	30,800	$21,000	0.0%	$1.10	—	COM	90137F103