The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AON Corp ADR G0403H108 506 2,119 SH   SOLE   0 0 2,119
Jazz Pharma COM G50871105 231 1,300 SH   SOLE   0 0 1,300
Johnson Controls PLC COM G51502105 207 3,015 SH   SOLE   0 0 3,015
Medtronic plc COM G5960L103 3,041 24,497 SH   SOLE   0 0 24,497
TE Connectivity Ltd COM H84989104 237 1,750 SH   SOLE   0 0 1,750
AT&T Corp COM 00206R102 552 19,182 SH   SOLE   0 0 19,182
Abbott Labs COM 002824100 695 5,995 SH   SOLE   0 0 5,995
AbbVie Inc COM 00287Y109 440 3,907 SH   SOLE   0 0 3,907
ETFS Phys. Swiss Gold Shares ETF 00326A104 9,559 562,652 SH   SOLE   0 0 562,652
Alibaba Group Hldg Adr ADR 01609W102 2,134 9,411 SH   SOLE   0 0 9,411
Allstate Corp COM 020002101 486 3,722 SH   SOLE   0 0 3,722
Alphabet, Inc. Cl C COM 02079K107 2,872 1,146 SH   SOLE   0 0 1,146
Alphabet, Inc. Cl A COM 02079K305 7,862 3,220 SH   SOLE   0 0 3,220
Altria Group Inc COM 02209S103 268 5,617 SH   SOLE   0 0 5,617
Amazon.com COM 023135106 3,609 1,049 SH   SOLE   0 0 1,049
American Tower Corp COM 03027X100 227 2,063 SH   SOLE   0 0 2,063
Amgen Inc COM 031162100 2,429 9,966 SH   SOLE   0 0 9,966
Apple, Inc COM 037833100 11,124 81,224 SH   SOLE   0 0 81,224
Applied Materials COM 038222105 458 3,217 SH   SOLE   0 0 3,217
Automatic Data Processing COM 053015103 973 4,900 SH   SOLE   0 0 4,900
Bank Of America COM 060505104 2,283 55,361 SH   SOLE   0 0 55,361
Becton Dickinson COM 075887109 250 1,028 SH   SOLE   0 0 1,028
Berkshire Hathaway B COM 084670702 1,945 7,000 SH   SOLE   0 0 7,000
Blackstone Group Lp COM 09260D107 812 8,356 SH   SOLE   0 0 8,356
Boeing Co COM 097023105 238 995 SH   SOLE   0 0 995
Bristol Myers Squibb COM 110122108 1,408 21,073 SH   SOLE   0 0 21,073
Broadcom Limited COM 11135F101 947 1,986 SH   SOLE   0 0 1,986
Cigna COM 125523100 204 859 SH   SOLE   0 0 859
CVS Health Corporation COM 126650100 2,144 25,700 SH   SOLE   0 0 25,700
Carrier Global Corp COM 14448C104 230 4,740 SH   SOLE   0 0 4,740
Catchmark Timber Tr COM 14912Y202 849 72,587 SH   SOLE   0 0 72,587
Chase Corp COM 16150R104 389 3,790 SH   SOLE   0 0 3,790
ChevronTexaco Corp COM 166764100 1,373 13,112 SH   SOLE   0 0 13,112
Citigroup Inc COM 172967424 381 5,388 SH   SOLE   0 0 5,388
Citizens Financial Group COM 174610105 551 12,018 SH   SOLE   0 0 12,018
Cisco Systems COM 17275R102 1,993 37,595 SH   SOLE   0 0 37,595
Coca Cola COM 191216100 616 11,387 SH   SOLE   0 0 11,387
Colgate Palmolive Co COM 194162103 205 2,520 SH   SOLE   0 0 2,520
Commercial Metals Co COM 201723103 510 16,613 SH   SOLE   0 0 16,613
Conoco Phillips COM 20825C104 207 3,405 SH   SOLE   0 0 3,405
Constellation Brands COM 21036P108 444 1,900 SH   SOLE   0 0 1,900
Crowdstrike Hldgs Inc COM 22788C105 255 1,015 SH   SOLE   0 0 1,015
Xtrckr CSI 300 China A Shs ETF 233051879 623 15,369 SH   SOLE   0 0 15,369
Danaher Corp COM 235851102 1,843 6,866 SH   SOLE   0 0 6,866
Diageo Plc COM 25243Q205 316 1,651 SH   SOLE   0 0 1,651
Disney Walt Co COM 254687106 2,734 15,554 SH   SOLE   0 0 15,554
Dominion Res Inc Va COM 25746U109 470 6,386 SH   SOLE   0 0 6,386
Dow Chemical COM 260557103 296 4,674 SH   SOLE   0 0 4,674
Du Pont E I De Nemours COM 26614N102 388 5,015 SH   SOLE   0 0 5,015
Applied Finance Valuation Lg Cap ETF ETF 26923N405 940 36,656 SH   SOLE   0 0 36,656
HACK- PureFunds ISE Cyber Security ETF ETF 26924G201 2,293 4,828 SH   SOLE   0 0 4,828
IPAY - ETFMG Mobile Payments ETF 26924G409 218 3,097 SH   SOLE   0 0 3,097
Emerson Electric COM 291011104 1,166 12,117 SH   SOLE   0 0 12,117
Eversource Energy COM 30040W108 232 2,888 SH   SOLE   0 0 2,888
Exxon-Mobil COM 30231G102 1,135 17,988 SH   SOLE   0 0 17,988
Facebook Inc Class A COM 30303M102 1,426 4,097 SH   SOLE   0 0 4,097
First Trust TCWOpportunistic Fxd Inc ETF ETF 33740F805 350 6,529 SH   SOLE   0 0 6,529
Fiserv Inc. COM 337738108 1,228 11,490 SH   SOLE   0 0 11,490
General Electric COM 369604103 428 31,796 SH   SOLE   0 0 31,796
Global Payments, Inc. COM 37940X102 1,070 5,708 SH   SOLE   0 0 5,708
Goldman Sachs Group COM 38141G104 311 819 SH   SOLE   0 0 819
Gldmn Sachs ActiveBeta Emrg Mkts ETF 381430206 308 7,558 SH   SOLE   0 0 7,558
Hewlett Packard COM 40434L105 316 10,458 SH   SOLE   0 0 10,458
Home Depot COM 437076102 1,570 4,922 SH   SOLE   0 0 4,922
Illinois Tool Works COM 452308109 824 3,685 SH   SOLE   0 0 3,685
Intel Corp COM 458140100 2,771 49,351 SH   SOLE   0 0 49,351
International Business Machines COM 459200101 1,458 9,949 SH   SOLE   0 0 9,949
Intuit Inc. COM 461202103 295 602 SH   SOLE   0 0 602
Invesco S&P 500 Eq. Wgt. ETF ETF 46137V357 224 1,489 SH   SOLE   0 0 1,489
Invesco Financial Pfd PFD 46137V621 225 11,659 SH   SOLE   0 0 11,659
Invesco Biotech & Genomics ETF ETF 46137V787 1,021 13,201 SH   SOLE   0 0 13,201
Invesco S&P 500 Low Volatility ETF ETF 46138E354 245 4,028 SH   SOLE   0 0 4,028
Invesco Preferred PFD 46138E511 334 21,795 SH   SOLE   0 0 21,795
iShares China Large Cap ETF ETF 464287184 385 8,308 SH   SOLE   0 0 8,308
iShares Inv. Grade Corp. Bd. ETF 464287242 265 1,975 SH   SOLE   0 0 1,975
iShares S&P 500 Barra Gr. Fd. ETF 464287309 924 12,711 SH   SOLE   0 0 12,711
iShares S&P 500 Value ETF ETF 464287408 559 3,787 SH   SOLE   0 0 3,787
iShares S&P Midcap 400 Index ETF ETF 464287507 3,452 12,845 SH   SOLE   0 0 12,845
iShares Russell 2000 Index Fund ETF ETF 464287655 292 1,275 SH   SOLE   0 0 1,275
iShares S&P Smallcap 600 Index ETF ETF 464287804 3,602 31,882 SH   SOLE   0 0 31,882
iShares Sht-Term National Muni ETF ETF 464288158 291 2,700 SH   SOLE   0 0 2,700
iShares MBS ETF ETF 464288588 365 3,368 SH   SOLE   0 0 3,368
iShares Floating Rate Bond ETF ETF 46429B655 331 6,503 SH   SOLE   0 0 6,503
iShares MSCI USA Momentum ETF 46432F396 317 1,829 SH   SOLE   0 0 1,829
J P Morgan Chase & Co COM 46625H100 3,562 22,902 SH   SOLE   0 0 22,902
JH/DFA Small Cap Value ETF ETF 47804J842 1,273 36,493 SH   SOLE   0 0 36,493
Johnson & Johnson COM 478160104 4,935 29,954 SH   SOLE   0 0 29,954
KLA Tencor Corp COM 482480100 307 946 SH   SOLE   0 0 946
Kulicke & Soffa Inds COM 501242101 732 11,962 SH   SOLE   0 0 11,962
L3Harris Technologies Inc COM 502431109 2,059 9,527 SH   SOLE   0 0 9,527
Lilly Eli & Co COM 532457108 282 1,230 SH   SOLE   0 0 1,230
Lockheed Martin Corp COM 539830109 500 1,321 SH   SOLE   0 0 1,321
Lowes Companies COM 548661107 3,183 16,412 SH   SOLE   0 0 16,412
Mastercard Inc COM 57636Q104 906 2,482 SH   SOLE   0 0 2,482
McDonalds Corp COM 580135101 1,430 6,193 SH   SOLE   0 0 6,193
Merck & Co Inc COM 58933Y105 4,116 52,920 SH   SOLE   0 0 52,920
Microsoft Corp COM 594918104 9,109 33,627 SH   SOLE   0 0 33,627
Mondelez Intl Inc Cl A COM 609207105 781 12,511 SH   SOLE   0 0 12,511
NextEra Energy Inc. COM 65339F101 875 11,944 SH   SOLE   0 0 11,944
Nike Inc Class B COM 654106103 1,314 8,504 SH   SOLE   0 0 8,504
Norfolk Southern Corp COM 655844108 265 1,000 SH   SOLE   0 0 1,000
Northrop Grumman Corp COM 666807102 204 560 SH   SOLE   0 0 560
Novartis A G COM 66987V109 341 3,739 SH   SOLE   0 0 3,739
Nvidia Corp COM 67066G104 1,900 2,375 SH   SOLE   0 0 2,375
Nuveen Inter Dur Qlty Muni ETF 670677103 350 23,351 SH   SOLE   0 0 23,351
Oracle Systems COM 68389X105 529 6,795 SH   SOLE   0 0 6,795
PPG Inds Inc COM 693506107 326 1,920 SH   SOLE   0 0 1,920
Palantir Technologies Inc Ordinary Shares - Class COM 69608A108 206 7,800 SH   SOLE   0 0 7,800
Palo Alto Networks Inc COM 697435105 915 2,467 SH   SOLE   0 0 2,467
Paypal Holdings, Inc. COM 70450Y103 2,057 7,057 SH   SOLE   0 0 7,057
Pepsico COM 713448108 262 17,699 SH   SOLE   0 0 17,699
Pfizer Inc COM 717081103 1,328 33,922 SH   SOLE   0 0 33,922
Philip Morris Intl Inc COM 718172109 346 3,487 SH   SOLE   0 0 3,487
Procter & Gamble Inc COM 742718109 2,867 21,249 SH   SOLE   0 0 21,249
Proshares S&P 500 Div Aristocrats ETF 74348A467 6,189 68,286 SH   SOLE   0 0 68,286
Public Svc Enterprise COM 744573106 512 8,575 SH   SOLE   0 0 8,575
Qualcomm Corp COM 747525103 863 6,037 SH   SOLE   0 0 6,037
Quanta Services Inc COM 74762E102 1,428 15,763 SH   SOLE   0 0 15,763
Raytheon Technologies Co COM 75513E101 1,244 14,584 SH   SOLE   0 0 14,584
Roper Technologies, Inc COM 776696106 812 1,726 SH   SOLE   0 0 1,726
SPDR S&P 500 ETF ETF 78462F103 1,968 4,597 SH   SOLE   0 0 4,597
SPDR Gold Shares ETF 78463V107 2,726 16,456 SH   SOLE   0 0 16,456
SPDR MSCI Acwi Ex-US ETF 78463X848 726 24,051 SH   SOLE   0 0 24,051
SPDR Sr Innovative Tech ETF 78464A110 400 1,767 SH   SOLE   0 0 1,767
SPDR S&P Dividend ETF ETF 78464A763 3,868 31,632 SH   SOLE   0 0 31,632
SPDR S&P Biotech ETF ETF 78464A870 1,587 11,720 SH   SOLE   0 0 11,720
SPDR Doubleline Ttl Rtrn ETF 78467V848 1,009 20,838 SH   SOLE   0 0 20,838
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107 564 1,148 SH   SOLE   0 0 1,148
SPDR Blmbrg Brcly 1-10 Yr TIP ETF 78468R861 2,936 138,928 SH   SOLE   0 0 138,928
SPDR DoubleLine EM ETF ETF 78470P309 1,391 27,248 SH   SOLE   0 0 27,248
Salesforce Com COM 79466L302 1,107 4,531 SH   SOLE   0 0 4,531
Schwab Dow Jones US Broad Mkt ETF ETF 808524102 722 6,923 SH   SOLE   0 0 6,923
Schwab Dow Jones US Large Cap ETF ETF 808524201 17,768 170,899 SH   SOLE   0 0 170,899
Schwab Dow Jones US Large Growth ETF ETF 808524300 9,833 67,369 SH   SOLE   0 0 67,369
Schwab Dow Jones US Large Value ETF ETF 808524409 8,606 125,876 SH   SOLE   0 0 125,876
Schwab Dow Jones US Mid-Cap ETF ETF 808524508 6,297 80,449 SH   SOLE   0 0 80,449
Schwab Dow Jones US Sm-Cap ETF ETF 808524607 4,943 47,450 SH   SOLE   0 0 47,450
Schwab FTSE Emerging Mkt ETF ETF 808524706 379 11,540 SH   SOLE   0 0 11,540
Sch Fundamental EM Lg Co ETF ETF 808524730 1,270 39,393 SH   SOLE   0 0 39,393
Sch Fundamental US Large Co ETF ETF 808524771 375 6,857 SH   SOLE   0 0 6,857
Schwab Dow Jones US Div Eq ETF ETF 808524797 17,367 229,655 SH   SOLE   0 0 229,655
Schwab FTSE Developed ex-US ETF ETF 808524805 3,217 81,554 SH   SOLE   0 0 81,554
Schwab US AGG Bnd ETF ETF 808524839 9,412 172,388 SH   SOLE   0 0 172,388
Schwab US TIPS ETF ETF 808524870 327 5,229 SH   SOLE   0 0 5,229
SPDR Technology Select Sector ETF 81369Y803 850 5,757 SH   SOLE   0 0 5,757
Service Now Inc COM 81762P102 248 452 SH   SOLE   0 0 452
Shopify Inc COM 82509L107 317 217 SH   SOLE   0 0 217
Skyworks Solutions COM 83088M102 462 2,409 SH   SOLE   0 0 2,409
Stanley Works COM 854502101 788 3,846 SH   SOLE   0 0 3,846
Starbucks Corp COM 855244109 340 3,037 SH   SOLE   0 0 3,037
State Street Boston Corp COM 857477103 515 6,256 SH   SOLE   0 0 6,256
Sysco Inc COM 871829107 254 3,263 SH   SOLE   0 0 3,263
TJX Cos Inc COM 872540109 546 8,105 SH   SOLE   0 0 8,105
Target Corp COM 87612E106 382 1,582 SH   SOLE   0 0 1,582
Thermo Fisher Scientific COM 883556102 1,453 2,880 SH   SOLE   0 0 2,880
3M Company COM 88579Y101 371 1,868 SH   SOLE   0 0 1,868
Truist Finl Corp COM 89832Q109 1,392 25,074 SH   SOLE   0 0 25,074
Tyson Foods Inc COM 902494103 594 8,059 SH   SOLE   0 0 8,059
Unilever Plc Adr New ADR 904767704 268 4,580 SH   SOLE   0 0 4,580
Union Pacific Corp COM 907818108 2,069 9,410 SH   SOLE   0 0 9,410
UPS Inc COM 911312106 509 2,446 SH   SOLE   0 0 2,446
Vanguard Div Appreciation ETF ETF 921908844 1,712 11,061 SH   SOLE   0 0 11,061
Vanguard S&P 500 Growth ETF 921932505 218 830 SH   SOLE   0 0 830
Vanguard Short-Term Bond ETF ETF 921937827 410 4,987 SH   SOLE   0 0 4,987
Vanguard Sht-Term Infl Prot Sec ETF ETF 922020805 414 7,895 SH   SOLE   0 0 7,895
Vanguard Consumer Staples ETF ETF 92204A207 822 4,505 SH   SOLE   0 0 4,505
Vanguard Info Technology ETF 92204A702 222 557 SH   SOLE   0 0 557
Vanguard FTSE All-World ex-USA ETF ETF 922042775 2,379 37,534 SH   SOLE   0 0 37,534
Vanguard S&P 500 ETF ETF 922908363 3,070 7,801 SH   SOLE   0 0 7,801
Vanguard Mid Cap Value ETF ETF 922908512 351 2,497 SH   SOLE   0 0 2,497
Vanguard REIT ETF 922908553 2,225 21,860 SH   SOLE   0 0 21,860
Vanguard Small-Cap Value ETF ETF 922908611 698 4,018 SH   SOLE   0 0 4,018
Vanguard Mid-Cap ETF ETF 922908629 826 3,479 SH   SOLE   0 0 3,479
Vanguard Growth ETF ETF 922908736 2,217 7,730 SH   SOLE   0 0 7,730
Vanguard Value ETF ETF 922908744 2,216 16,118 SH   SOLE   0 0 16,118
Vanguard Small Cap ETF ETF 922908751 432 1,916 SH   SOLE   0 0 1,916
Verizon Communications COM 92343V104 2,908 51,898 SH   SOLE   0 0 51,898
Vertex Pharmaceuticals COM 92532F100 253 1,253 SH   SOLE   0 0 1,253
Visa, Inc. COM 92826C839 1,752 7,493 SH   SOLE   0 0 7,493
Wal-Mart Stores COM 931142103 530 3,761 SH   SOLE   0 0 3,761
Wells Fargo & Company COM 949746101 233 5,140 SH   SOLE   0 0 5,140
Western Asset Muni Hi Income ETF 95766N103 386 45,620 SH   SOLE   0 0 45,620