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
AT&T Corp COM 00206R102 1,113 37,642 SH   SOLE   0 0 37,642
Abbott Labs COM 002824100 631 6,210 SH   SOLE   0 0 6,210
AbbVie Inc COM 00287Y109 349 3,631 SH   SOLE   0 0 3,631
Alibaba Group Hldg Adr ADR 01609W102 2,099 8,303 SH   SOLE   0 0 8,303
Alphabet, Inc. Cl A COM 02079K305 4,998 3,249 SH   SOLE   0 0 3,249
Alphabet, Inc. Cl C COM 02079K107 1,780 1,162 SH   SOLE   0 0 1,162
Altria Group Inc COM 02209s103 230 5,536 SH   SOLE   0 0 5,536
Amazon.com COM 023135106 2,591 849 SH   SOLE   0 0 849
American Tower Corp COM 03027x100 445 1,694 SH   SOLE   0 0 1,694
Amgen Inc COM 031162100 2,643 10,737 SH   SOLE   0 0 10,737
Apple, Inc COM 037833100 8,026 20,859 SH   SOLE   0 0 20,859
Applied Materials COM 038222105 336 5,210 SH   SOLE   0 0 5,210
Automatic Data Processing COM 053015103 657 4,945 SH   SOLE   0 0 4,945
Bank Of America COM 060505104 1,445 58,153 SH   SOLE   0 0 58,153
Becton Dickinson COM 075887109 282 1,028 SH   SOLE   0 0 1,028
Berkshire Hathaway B COM 084670702 1,444 7,431 SH   SOLE   0 0 7,431
Bristol Myers Squibb COM 110122108 1,187 20,162 SH   SOLE   0 0 20,162
CVS Health Corporation COM 126650100 1,719 26,865 SH   SOLE   0 0 26,865
Catchmark Timber Tr COM 14912Y202 499 49,923 SH   SOLE   0 0 49,923
Chase Corp COM 16150r104 416 3,860 SH   SOLE   0 0 3,860
ChevronTexaco Corp COM 166764100 1,112 12,885 SH   SOLE   0 0 12,885
Cisco Systems COM 17275R102 2,452 52,791 SH   SOLE   0 0 52,791
Citigroup Inc COM 172967424 346 6,797 SH   SOLE   0 0 6,797
Citizens Financial Group COM 174610105 450 18,141 SH   SOLE   0 0 18,141
Coca Cola COM 191216100 573 12,005 SH   SOLE   0 0 12,005
Constellation Brands COM 21036P108 200 1,108 SH   SOLE   0 0 1,108
Danaher Corp COM 235851102 1,331 6,587 SH   SOLE   0 0 6,587
Diageo Plc COM 25243q205 248 1,651 SH   SOLE   0 0 1,651
Disney Walt Co COM 254687106 1,975 17,080 SH   SOLE   0 0 17,080
Dominion Energy Inc. COM 25746u109 535 6,565 SH   SOLE   0 0 6,565
Dow Chemical COM 260543103 200 4,795 SH   SOLE   0 0 4,795
Du Pont E I De Nemours COM 26614N102 274 5,096 SH   SOLE   0 0 5,096
Emerson Electric COM 291011104 765 12,204 SH   SOLE   0 0 12,204
Eversource Energy COM 30040W108 293 3,234 SH   SOLE   0 0 3,234
Exxon-Mobil COM 30231G102 802 19,144 SH   SOLE   0 0 19,144
Facebook Inc Class A COM 30303M102 1,063 4,532 SH   SOLE   0 0 4,532
First Trust Preferred Sec & In ETF 33739e108 5,474 287,515 SH   SOLE   0 0 287,515
First Trust Value Line Div Idx ETF 33734H106 224 7,064 SH   SOLE   0 0 7,064
Fiserv Inc. COM 337738108 970 9,655 SH   SOLE   0 0 9,655
General Electric COM 369604103 197 31,536 SH   SOLE   0 0 31,536
Gldmn Sachs ActiveBeta Emrg Mk ETF 381430206 246 7,441 SH   SOLE   0 0 7,441
Hewlett Packard COM 42824C109 204 11,839 SH   SOLE   0 0 11,839
Home Depot COM 437076102 1,156 4,340 SH   SOLE   0 0 4,340
Illinois Tool Works COM 452308109 715 3,850 SH   SOLE   0 0 3,850
Intel Corp COM 458140100 3,062 63,800 SH   SOLE   0 0 63,800
International Business Machine COM 459200101 1,178 9,587 SH   SOLE   0 0 9,587
iShares Barclays 7-10 Yr Govt. ETF 464287440 320 2,602 SH   SOLE   0 0 2,602
iShares Core Total U.S. AGG ETF 464287226 785 6,565 SH   SOLE   0 0 6,565
iShares Floating Rate Bond ETF ETF 46429B655 328 6,487 SH   SOLE   0 0 6,487
iShares Inv. Grade Corp. Bd. ETF 464287242 360 2,605 SH   SOLE   0 0 2,605
iShares MBS ETF ETF 464288588 468 4,232 SH   SOLE   0 0 4,232
iShares MSCI USA Momentum ETF 46432F396 255 1,829 SH   SOLE   0 0 1,829
iShares S&P 500 Barra Gr. Fd. ETF 464287309 757 3,457 SH   SOLE   0 0 3,457
iShares S&P 500 Value ETF 464287408 437 3,887 SH   SOLE   0 0 3,887
iShares S&P Midcap 400 Index ETF 464287507 2,529 13,501 SH   SOLE   0 0 13,501
iShares S&P Smallcap 600 Index ETF 464287804 2,188 30,527 SH   SOLE   0 0 30,527
iShares Sht-Term National Muni ETF 464288158 290 2,675 SH   SOLE   0 0 2,675
J P Morgan Chase & Co COM 46625h100 2,291 23,616 SH   SOLE   0 0 23,616
Johnson & Johnson COM 478160104 4,469 30,434 SH   SOLE   0 0 30,434
L3Harris Technologies Inc COM 502431109 1,603 9,255 SH   SOLE   0 0 9,255
Lockheed Martin Corp COM 539830109 417 1,093 SH   SOLE   0 0 1,093
Lowes Companies COM 548661107 2,600 17,425 SH   SOLE   0 0 17,425
Mastercard Inc COM 57636Q104 702 2,271 SH   SOLE   0 0 2,271
McDonalds Corp COM 580135101 1,232 6,302 SH   SOLE   0 0 6,302
Merck & Co Inc COM 58933y105 4,280 54,177 SH   SOLE   0 0 54,177
Microsoft Corp COM 594918104 7,605 37,298 SH   SOLE   0 0 37,298
Mondelez Intl Inc Cl A COM 609207105 5,775 10,348 SH   SOLE   0 0 10,348
NextEra Energy Inc. COM 65339f101 5,105 1,807 SH   SOLE   0 0 1,807
Nike Inc Class B COM 654106103 512 5,283 SH   SOLE   0 0 5,283
Novartis A G ADR 66987V109 339 4,027 SH   SOLE   0 0 4,027
Nuveen Inter Dur Qlty Muni ETF 670677103 322 22,675 SH   SOLE   0 0 22,675
Nvidia Corp COM 67066G104 866 2,040 SH   SOLE   0 0 2,040
Oracle Systems COM 68389x105 386 6,995 SH   SOLE   0 0 6,995
Palo Alto Networks Inc COM 697435105 609 2,417 SH   SOLE   0 0 2,417
Paypal Holdings, Inc. COM 70450Y103 1,283 6,667 SH   SOLE   0 0 6,667
Pepsico COM 713448108 2,452 17,810 SH   SOLE   0 0 17,810
Pfizer Inc COM 717081103 1,245 32,144 SH   SOLE   0 0 32,144
Philip Morris Intl Inc COM 718172109 323 4,165 SH   SOLE   0 0 4,165
Pimco Intermediate Muni ETF ETF 72201R866 973 17,220 SH   SOLE   0 0 17,220
PPG Inds Inc COM 693506107 225 2,076 SH   SOLE   0 0 2,076
Procter & Gamble Inc COM 742718109 2,857 21,739 SH   SOLE   0 0 21,739
Proshares S&P 500 Div Aristocr ETF 74348A467 4,478 63,102 SH   SOLE   0 0 63,102
Public Svc Enterprise COM 744573106 429 8,182 SH   SOLE   0 0 8,182
Qualcomm Corp COM 747525103 553 5,160 SH   SOLE   0 0 5,160
Quanta Services Inc COM 74762e102 799 19,907 SH   SOLE   0 0 19,907
Raytheon Technologies Co COM 755111507 1,199 20,860 SH   SOLE   0 0 20,860
Roper Technologies, Inc COM 776696106 869 2,007 SH   SOLE   0 0 2,007
Royal Dutch Shell B Adr ADR 780259107 354 12,141 SH   SOLE   0 0 12,141
S&P 400 Mid-Cap SPDR ETF 78467Y107 371 1,085 SH   SOLE   0 0 1,085
Salesforce Com COM 79466L302 738 3,849 SH   SOLE   0 0 3,849
Sch Fundamental US Large Co ET ETF 808524771 207 5,415 SH   SOLE   0 0 5,415
Schwab Dow Jones US Broad Mkt ETF 808524102 597 7,725 SH   SOLE   0 0 7,725
Schwab Dow Jones US Div Eq ETF ETF 808524797 11,935 218,349 SH   SOLE   0 0 218,349
Schwab Dow Jones US Large Cap ETF 808524201 12,533 160,891 SH   SOLE   0 0 160,891
Schwab Dow Jones US Large Grow ETF 808524300 8,913 82,661 SH   SOLE   0 0 82,661
Schwab Dow Jones US Large Valu ETF 808524409 6,356 122,232 SH   SOLE   0 0 122,232
Schwab Dow Jones US Mid-Cap ET ETF 808524508 4,359 78,497 SH   SOLE   0 0 78,497
Schwab Dow Jones US Sm-Cap ETF ETF 808524607 3,368 49,109 SH   SOLE   0 0 49,109
Schwab FTSE Developed ex-US ET ETF 808524805 2,200 70,845 SH   SOLE   0 0 70,845
Schwab FTSE Emerging Mkt ETF ETF 808524706 251 9,439 SH   SOLE   0 0 9,439
Schwab US AGG Bnd ETF ETF 808524839 11,443 201,248 SH   SOLE   0 0 201,248
Schwab US TIPS ETF ETF 808524870 253 4,128 SH   SOLE   0 0 4,128
Shopify Inc COM 82509L107 237 226 SH   SOLE   0 0 226
Skyworks Solutions COM 83088M102 332 2,337 SH   SOLE   0 0 2,337
3M Company COM 88579Y101 304 1,998 SH   SOLE   0 0 1,998
SPDR Blmbrg Brcly 1-10 Yr TIP ETF 78468R861 751 3,651 SH   SOLE   0 0 3,651
SPDR DoubleLine EM ETF ETF 78470P309 948 19,107 SH   SOLE   0 0 19,107
SPDR Doubleline Ttl Rtrn ETF 78467V848 483 9,682 SH   SOLE   0 0 9,682
SPDR Gold Shares ETF 78463V107 2,668 14,521 SH   SOLE   0 0 14,521
SPDR MSCI Acwi Ex-US ETF 78463X848 536 22,380 SH   SOLE   0 0 22,380
SPDR S&P 500 ETF 78462F103 1,496 4,617 SH   SOLE   0 0 4,617
SPDR S&P Biotech ETF ETF 78464A870 1,058 9,453 SH   SOLE   0 0 9,453
SPDR S&P Dividend ETF ETF 78464A763 3,109 33,093 SH   SOLE   0 0 33,093
SPDR Technology Select Sector ETF 81369Y803 579 5,374 SH   SOLE   0 0 5,374
State Street Boston Corp COM 857477103 479 7,550 SH   SOLE   0 0 7,550
Sundial Growers Inc COM 86730L109 14 24,420 SH   SOLE   0 0 24,420
Target Corp COM 87612e106 234 1,881 SH   SOLE   0 0 1,881
Tesla Motors Inc COM 88160R101 265 178 SH   SOLE   0 0 178
Thermo Fisher Scientific COM 883556102 1,107 2,697 SH   SOLE   0 0 2,697
TJX Cos Inc COM 872540109 607 11,759 SH   SOLE   0 0 11,759
Truist Finl Corp COM 89832Q109 895 24,040 SH   SOLE   0 0 24,040
Tyson Foods Inc COM 902494103 484 7,853 SH   SOLE   0 0 7,853
Unilever Nv Adr- Netherlands ADR 904767704 269 4,480 SH   SOLE   0 0 4,480
Union Pacific Corp COM 907818108 1,564 9,053 SH   SOLE   0 0 9,053
Vanguard Consumer Staples ETF ETF 92204A207 822 5,139 SH   SOLE   0 0 5,139
Vanguard Div Appreciation ETF 921908844 1,321 10,697 SH   SOLE   0 0 10,697
Vanguard FTSE All-World ex-USA ETF 922042775 1,825 36,274 SH   SOLE   0 0 36,274
Vanguard Growth ETF ETF 922908736 1,946 9,090 SH   SOLE   0 0 9,090
Vanguard Int'l REIT ETF 922042676 220 4,610 SH   SOLE   0 0 4,610
Vanguard REIT ETF 922908553 1,728 21,198 SH   SOLE   0 0 21,198
Vanguard S&P 500 ETF ETF 922908363 2,045 6,870 SH   SOLE   0 0 6,870
Vanguard Short-Term Bond ETF ETF 921937827 462 5,550 SH   SOLE   0 0 5,550
Vanguard Short-Term Corp Bond ETF 92206C409 321 3,865 SH   SOLE   0 0 3,865
Vanguard Sht-Term Infl Prot Se ETF 922020805 344 6,807 SH   SOLE   0 0 6,807
Vanguard Small Cap ETF 922908751 339 2,212 SH   SOLE   0 0 2,212
Vanguard Small-Cap Value ETF ETF 922908611 429 3,860 SH   SOLE   0 0 3,860
Vanguard Total Bond Index ETF ETF 921937835 200 2,243 SH   SOLE   0 0 2,243
Vanguard Value ETF ETF 922908744 1,672 16,138 SH   SOLE   0 0 16,138
Verizon Communications COM 92343V104 2,664 46,486 SH   SOLE   0 0 46,486
Visa, Inc. COM 92826C839 1,497 7,713 SH   SOLE   0 0 7,713
Wal-Mart Stores COM 931142103 411 3,159 SH   SOLE   0 0 3,159
Wells Fargo & Co 7.50 Pfd PFD 949746804 3,189 236 SH   SOLE   0 0 236
Western Asset Muni Hi Income COM 95766N103 3,234 44,180 SH   SOLE   0 0 44,180
Zynex Inc COM 98986M103 231 12,244 SH   SOLE   0 0 12,244