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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101   298,930 2,294 SH   SOLE   2,294 0 0
Abbott Labs COM 002824100   558,025 4,892 SH   SOLE   4,892 0 0
AbbVie Inc COM 00287Y109   745,442 3,930 SH   SOLE   3,930 0 0
Adaptimmune Therapeutics PLC COM 00653A107   20,610 27,957 SH   SOLE   27,957 0 0
Adobe Systems COM 00724F101   771,588 1,604 SH   SOLE   1,604 0 0
Allstate Corp COM 020002101   204,347 1,080 SH   SOLE   1,080 0 0
Alphabet, Inc. Cl A COM 02079K305   9,762,072 58,554 SH   SOLE   58,554 0 0
Alphabet, Inc. Cl C COM 02079K107   2,594,119 15,410 SH   SOLE   15,410 0 0
Altria Group Inc COM 02209S103   213,764 4,254 SH   SOLE   4,254 0 0
Amazon.com COM 023135106   5,220,099 27,709 SH   SOLE   27,709 0 0
American Tower Corp COM 03027X100   460,122 2,071 SH   SOLE   2,071 0 0
Amgen Inc COM 031162100   2,589,064 8,163 SH   SOLE   8,163 0 0
AON Corp COM G0403H108   390,296 1,050 SH   SOLE   1,050 0 0
Apple, Inc COM 037833100   17,161,625 73,529 SH   SOLE   73,529 0 0
Applied Finance Valuation Lg Cap ETF ETF 26923N405   22,329,509 612,775 SH   SOLE   612,775 0 0
Applied Materials COM 038222105   609,583 3,289 SH   SOLE   3,289 0 0
Automatic Data Processing COM 053015103   1,700,021 5,935 SH   SOLE   5,935 0 0
Bank Of America COM 060505104   2,358,888 55,347 SH   SOLE   55,347 0 0
Beauty Health Company CL A ORD ORD 88331L108   90,525 51,144 SH   SOLE   51,144 0 0
Becton Dickinson COM 075887109   207,374 868 SH   SOLE   868 0 0
Berkshire Hathaway B COM 084670702   2,975,600 6,490 SH   SOLE   6,490 0 0
BioRestorative Therapies Inc COM 090655606   16,625 10,522 SH   SOLE   10,522 0 0
Blackstone Group Lp COM 09260D107   1,052,773 6,194 SH   SOLE   6,194 0 0
Bristol Myers Squibb COM 110122108   956,498 18,171 SH   SOLE   18,171 0 0
Broadcom Limited COM 11135F101   5,043,464 29,319 SH   SOLE   29,319 0 0
Carrier Global Corp COM 14448C104   354,089 4,680 SH   SOLE   4,680 0 0
ChevronTexaco Corp COM 166764100   2,343,123 15,565 SH   SOLE   15,565 0 0
Cigna COM 125523100   269,572 856 SH   SOLE   856 0 0
Cisco Systems COM 17275R102   1,871,764 33,860 SH   SOLE   33,860 0 0
Citizens Financial Group COM 174610105   954,476 22,332 SH   SOLE   22,332 0 0
Clearside Biomedical Inc COM 185063104   30,825 28,023 SH   SOLE   28,023 0 0
Coca Cola COM 191216100   903,499 13,552 SH   SOLE   13,552 0 0
Commercial Metals Co COM 201723103   752,883 13,863 SH   SOLE   13,863 0 0
Conoco Phillips COM 20825C104   358,829 3,475 SH   SOLE   3,475 0 0
Constellation Brands COM 21036P108   547,930 2,307 SH   SOLE   2,307 0 0
Corteva Inc COM 22052L104   268,789 4,397 SH   SOLE   4,397 0 0
Costco Whsl Corp COM 22160K105   521,097 585 SH   SOLE   585 0 0
CVS Health Corporation COM 126650100   608,755 10,613 SH   SOLE   10,613 0 0
Danaher Corp COM 235851102   1,122,464 4,598 SH   SOLE   4,598 0 0
Diageo Plc COM 25243Q205   206,872 1,551 SH   SOLE   1,551 0 0
Dimensional Emerg Core Equity Mkt ETF ETF 25434V302   9,160,373 340,788 SH   SOLE   340,788 0 0
Dimensional International Core Equity Mkt ETF ETF 25434V203   2,042,230 66,631 SH   SOLE   66,631 0 0
Disney Walt Co COM 254687106   791,090 8,223 SH   SOLE   8,223 0 0
Dominion Res Inc Va COM 25746U109   258,516 4,300 SH   SOLE   4,300 0 0
Dow Chemical COM 260557103   223,221 4,455 SH   SOLE   4,455 0 0
Du Pont E I De Nemours COM 26614N102   442,290 5,271 SH   SOLE   5,271 0 0
Emerson Electric COM 291011104   1,274,582 11,730 SH   SOLE   11,730 0 0
ETFS Phys. Swiss Gold Shares ETF 00326A104   11,932,216 455,776 SH   SOLE   455,776 0 0
Exxon-Mobil COM 30231G102   2,038,717 17,146 SH   SOLE   17,146 0 0
First Trust Preferred Sec & Inc ETF ETF 33739E108   5,881,231 327,098 SH   SOLE   327,098 0 0
Fiserv Inc COM 337738108   2,692,381 13,367 SH   SOLE   13,367 0 0
GE Vernova Llc Com COM 36828A101   288,652 998 SH   SOLE   998 0 0
General Electric COM 369604301   702,668 4,007 SH   SOLE   4,007 0 0
Goldman Sachs ActiveBeta Intl Eq ETF ETF 381430107   5,543,841 158,758 SH   SOLE   158,758 0 0
Goldman Sachs Group COM 38141G104   461,500 881 SH   SOLE   881 0 0
HACK- Cyber Security ETF ETF 032108664   398,323 5,668 SH   SOLE   5,668 0 0
Hewlett Packard COM 40434L105   840,179 22,453 SH   SOLE   22,453 0 0
Home Depot COM 437076102   2,016,632 5,005 SH   SOLE   5,005 0 0
Illinois Tool Works COM 452308109   904,953 3,523 SH   SOLE   3,523 0 0
Incyte Genomics Inc COM 45337C102   329,895 5,022 SH   SOLE   5,022 0 0
Intel Corp COM 458140100   261,723 11,419 SH   SOLE   11,419 0 0
International Business Machines COM 459200101   2,251,538 10,575 SH   SOLE   10,575 0 0
Intuit Inc. COM 461202103   367,254 600 SH   SOLE   600 0 0
Invesco Biotech & Genomics ETF ETF 46137V787   780,551 11,422 SH   SOLE   11,422 0 0
Invesco S&P 500 Low Volatility ETF ETF 46138E354   288,712 4,028 SH   SOLE   4,028 0 0
iShare Core MSCI Emerging Markets ETF 46434G103   1,329,152 23,512 SH   SOLE   23,512 0 0
iShares Core S&P 500 ETF ETF 464287200   787,344 1,349 SH   SOLE   1,349 0 0
iShares iBonds Dec 2025 Corp Bd ETF ETF 46434VBD1   1,090,663 43,487 SH   SOLE   43,487 0 0
iShares iBonds Dec 2025 Muni Bd ETF ETF 46435U432   2,010,281 75,546 SH   SOLE   75,546 0 0
iShares iBonds Dec 2026 Corp Bd ETF ETF 46435GAA0   500,178 20,720 SH   SOLE   20,720 0 0
iShares iBonds Dec 2026 Muni Bd ETF ETF 46435U259   3,035,649 118,719 SH   SOLE   118,719 0 0
iShares iBonds Dec 2027 Corp Bd ETF ETF 46435UAA9   378,313 15,698 SH   SOLE   15,698 0 0
iShares iBonds Dec 2027 Muni Bd ETF ETF 46435U283   1,794,044 70,995 SH   SOLE   70,995 0 0
iShares iBonds Dec 2028 Muni Bd ETF ETF 46435U325   997,141 39,366 SH   SOLE   39,366 0 0
iShares iBonds Dec 2029 Corp Bd ETF ETF 46436E205   3,292,140 142,702 SH   SOLE   142,702 0 0
iShares iBonds Dec 2030 Corp Bd ETF ETF 46436E726   418,421 19,318 SH   SOLE   19,318 0 0
iShares iBonds Ded 2031 Term Corp ETF ETF 46436E486   305,870 14,776 SH   SOLE   14,776 0 0
iShares MSCI USA Momentum ETF 46432F396   309,125 1,497 SH   SOLE   1,497 0 0
iShares Russell 2000 Index Fund ETF ETF 464287655   289,865 1,303 SH   SOLE   1,303 0 0
iShares S & P Nat'l AMT-Free Muni Bd ETF 464288414   559,195 5,222 SH   SOLE   5,222 0 0
iShares S&P 500 Barra Gr. Fd. ETF 464287309   547,189 5,603 SH   SOLE   5,603 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507   4,118,357 65,642 SH   SOLE   65,642 0 0
iShares S&P Smallcap 600 Index ETF ETF 464287804   3,038,264 26,147 SH   SOLE   26,147 0 0
J P Morgan Chase & Co COM 46625H100   5,312,952 23,561 SH   SOLE   23,561 0 0
J.P. Morgan Municipal ETF ETF 46641Q647   4,413,316 87,358 SH   SOLE   87,358 0 0
JH/DFA Small Cap Multifactor ETF ETF 47804J842   1,552,603 38,699 SH   SOLE   38,699 0 0
Johnson & Johnson COM 478160104   3,946,644 24,422 SH   SOLE   24,422 0 0
Kinder Morgan Inc COM 49456B101   328,439 13,244 SH   SOLE   13,244 0 0
KLA Tencor Corp COM 482480100   818,373 1,214 SH   SOLE   1,214 0 0
L3Harris Technologies Inc COM 502431109   2,210,869 8,914 SH   SOLE   8,914 0 0
Lilly Eli & Co COM 532457108   1,188,448 1,327 SH   SOLE   1,327 0 0
LKQ Corp COM 501889208   438,540 11,614 SH   SOLE   11,614 0 0
Lockheed Martin Corp COM 539830109   691,259 1,245 SH   SOLE   1,245 0 0
Lowes Companies COM 548661107   3,211,930 11,986 SH   SOLE   11,986 0 0
Mastercard Inc COM 57636Q104   1,738,926 3,422 SH   SOLE   3,422 0 0
McDonalds Corp COM 580135101   1,496,565 5,043 SH   SOLE   5,043 0 0
Medtronic plc COM G5960L103   1,431,118 15,796 SH   SOLE   15,796 0 0
Merck & Co Inc COM 58933Y105   5,405,409 51,860 SH   SOLE   51,860 0 0
Meta Platforms Cl A COM 30303M102   2,941,569 5,088 SH   SOLE   5,088 0 0
Microsoft Corp COM 594918104   13,227,726 31,008 SH   SOLE   31,008 0 0
MLCO COM 585464100   93,351 13,355 SH   SOLE   13,355 0 0
Mondelez Intl Inc Cl A COM 609207105   1,078,009 15,502 SH   SOLE   15,502 0 0
Morgan Stanley Group COM 617446448   277,335 2,328 SH   SOLE   2,328 0 0
MPLX LP COM 55336V100   363,291 8,300 SH   SOLE   8,300 0 0
NextEra Energy Inc. COM 65339F101   1,407,026 16,979 SH   SOLE   16,979 0 0
Nike Inc Class B COM 654106103   398,890 5,055 SH   SOLE   5,055 0 0
NIO, Inc.Adr ADR 62914V106   58,815 10,123 SH   SOLE   10,123 0 0
Northrop Grumman Corp COM 666807102   283,219 553 SH   SOLE   553 0 0
Novartis ADR ADR 66987V109   427,715 3,699 SH   SOLE   3,699 0 0
Nvidia Corp COM 67066G104   10,192,984 72,538 SH   SOLE   72,538 0 0
Oncolytics Biotech COM 682310875   26,858 22,015 SH   SOLE   22,015 0 0
Oracle Systems COM 68389X105   1,242,459 7,206 SH   SOLE   7,206 0 0
Ovid Therapeutics Inc COM 690469101   19,331 16,522 SH   SOLE   16,522 0 0
Palantir Technologies Inc Ordinary Shares - Class COM 69608A108   243,468 5,414 SH   SOLE   5,414 0 0
Palo Alto Networks Inc COM 697435105   2,616,167 7,220 SH   SOLE   7,220 0 0
Paychex Inc COM 704326107   201,147 1,434 SH   SOLE   1,434 0 0
Paypal Holdings, Inc. COM 70450Y103   445,117 5,325 SH   SOLE   5,325 0 0
Pepsico COM 713448108   2,883,359 16,977 SH   SOLE   16,977 0 0
Pfizer Inc COM 717081103   523,538 18,141 SH   SOLE   18,141 0 0
Philip Morris Intl Inc COM 718172109   254,475 1,950 SH   SOLE   1,950 0 0
Pimco Intermediate Muni ETF ETF 72201R866   635,491 12,202 SH   SOLE   12,202 0 0
PPG Inds Inc COM 693506107   244,570 1,920 SH   SOLE   1,920 0 0
Procter & Gamble Inc COM 742718109   3,566,279 21,065 SH   SOLE   21,065 0 0
Proshares S&P 500 Div Aristocrats ETF 74348A467   6,579,954 62,393 SH   SOLE   62,393 0 0
Public Svc Enterprise COM 744573106   651,761 7,208 SH   SOLE   7,208 0 0
Qualcomm Corp COM 747525103   1,441,245 8,369 SH   SOLE   8,369 0 0
Quanta Services Inc COM 74762E102   3,379,487 10,785 SH   SOLE   10,785 0 0
Real Estate Sector SPDR ETF 81369Y860   257,690 5,829 SH   SOLE   5,829 0 0
Regeneron Pharm COM 75886F107   345,443 372 SH   SOLE   372 0 0
Roper Technologies, Inc COM 776696106   1,026,560 1,883 SH   SOLE   1,883 0 0
RTX Corp. COM 75513E101   2,690,827 21,453 SH   SOLE   21,453 0 0
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107   431,785 753 SH   SOLE   753 0 0
Salesforce Com COOM 79466L302   1,149,645 3,913 SH   SOLE   3,913 0 0
Sch Fundamental US Large Co ETF ETF 808524771   458,028 19,100 SH   SOLE   19,100 0 0
Schwab Dow Jones US Broad Mkt ETF ETF 808524102   1,605,552 71,485 SH   SOLE   71,485 0 0
Schwab Dow Jones US Div Eq ETF ETF 808524797   22,215,664 784,451 SH   SOLE   784,451 0 0
Schwab Dow Jones US Large Cap ETF ETF 808524201   34,362,641 1,498,589 SH   SOLE   1,498,589 0 0
Schwab Dow Jones US Large Growth ETF ETF 808524300   6,969,440 261,911 SH   SOLE   261,911 0 0
Schwab Dow Jones US Large Value ETF ETF 808524409   4,908,064 182,592 SH   SOLE   182,592 0 0
Schwab Dow Jones US Mid-Cap ETF ETF 808524508   7,484,827 268,081 SH   SOLE   268,081 0 0
Schwab Dow Jones US Sm-Cap ETF ETF 808524607   4,626,560 178,219 SH   SOLE   178,219 0 0
Schwab FTSE Developed ex-US ETF ETF 808524805   6,167,817 310,878 SH   SOLE   310,878 0 0
Schwab US AGG Bnd ETF ETF 808524839   391,281 16,939 SH   SOLE   16,939 0 0
Sector Spdr Engy Select ETF 81369Y506   298,820 3,350 SH   SOLE   3,350 0 0
SoFi Technologies ORD ORD 83406F102   205,594 18,373 SH   SOLE   18,373 0 0
SPDR Gold Shares ETF 78463V107   2,838,309 11,204 SH   SOLE   11,204 0 0
SPDR MSCI Acwi Ex-US ETF 78463X848   1,083,584 36,509 SH   SOLE   36,509 0 0
SPDR S&P 500 ETF ETF 78462F103   2,632,777 4,533 SH   SOLE   4,533 0 0
SPDR S&P Biotech ETF ETF 78464A870   1,069,210 10,856 SH   SOLE   10,856 0 0
SPDR S&P Dividend ETF ETF 78464A763   2,865,918 20,417 SH   SOLE   20,417 0 0
SPDR Technology Select Sector ETF 81369Y803   1,179,098 5,122 SH   SOLE   5,122 0 0
Starbucks Corp COM 855244109   207,643 2,118 SH   SOLE   2,118 0 0
State Street Boston Corp COM 857477103   557,880 6,000 SH   SOLE   6,000 0 0
Sundial Growers Inc COM 83307B101   120,268 54,420 SH   SOLE   54,420 0 0
Sysco Inc COM 871829107   215,913 2,875 SH   SOLE   2,875 0 0
T. Rowe Price Dividend Growth ETF ETF 87283Q404   231,891 5,721 SH   SOLE   5,721 0 0
Taiwan Semiconductr Adrf ADR 874039100   226,997 1,166 SH   SOLE   1,166 0 0
Target Corp COM 87612E106   397,691 2,664 SH   SOLE   2,664 0 0
TE Connectivity Ltd COM G87052109   236,112 1,565 SH   SOLE   1,565 0 0
Tesla Motors Inc COM 88160R101   287,711 1,096 SH   SOLE   1,096 0 0
Thermo Fisher Scientific COM 883556102   1,375,282 2,489 SH   SOLE   2,489 0 0
Tilray Inc COM 88688T100   27,940 16,150 SH   SOLE   16,150 0 0
TJX Cos Inc COM 872540109   722,354 6,327 SH   SOLE   6,327 0 0
Truist Finl Corp COM 89832Q109   497,890 11,501 SH   SOLE   11,501 0 0
Tyson Foods Inc COM 902494103   424,042 7,163 SH   SOLE   7,163 0 0
Unilever Plc Adr New ADR 904767704   262,668 4,200 SH   SOLE   4,200 0 0
Union Pacific Corp COM 907818108   2,203,731 9,500 SH   SOLE   9,500 0 0
Valero Energy Corp. COM 91913Y100   262,470 1,985 SH   SOLE   1,985 0 0
Vanguard Consumer Staples ETF ETF 92204A207   585,314 2,721 SH   SOLE   2,721 0 0
Vanguard Growth ETF ETF 922908736   1,621,422 4,125 SH   SOLE   4,125 0 0
Vanguard Mid Cap Value ETF ETF 922908512   309,470 1,841 SH   SOLE   1,841 0 0
Vanguard Mid-Cap ETF ETF 922908629   3,428,763 12,856 SH   SOLE   12,856 0 0
Vanguard REIT ETF 922908553   1,073,760 11,180 SH   SOLE   11,180 0 0
Vanguard S&P 500 ETF ETF 922908363   6,813,112 12,761 SH   SOLE   12,761 0 0
Vanguard Small-Cap Value ETF ETF 922908611   1,540,039 7,652 SH   SOLE   7,652 0 0
Vanguard Tax-Exempt Bond ETF ETF 922907746   7,356,715 146,112 SH   SOLE   146,112 0 0
Vanguard Total International Stock ETF 921909768   316,248 5,036 SH   SOLE   5,036 0 0
Vanguard Value ETF ETF 922908744   1,341,294 7,683 SH   SOLE   7,683 0 0
Verizon Communications COM 92343V104   1,291,830 31,039 SH   SOLE   31,039 0 0
Vertex Pharmaceuticals COM 92532F100   364,899 766 SH   SOLE   766 0 0
VictoryShares Core Intermediate Bond ETF ETF 92647N527   16,205,178 346,932 SH   SOLE   346,932 0 0
Visa, Inc. COM 92826C839   1,479,777 5,207 SH   SOLE   5,207 0 0
Wal-Mart Stores COM 931142103   1,001,772 12,106 SH   SOLE   12,106 0 0
Wells Fargo & Co 7.50 Pfd PFD 949746804   348,744 286 SH   SOLE   286 0 0
Wells Fargo & Company COM 949746101   264,408 4,030 SH   SOLE   4,030 0 0
Wynn Resorts COM 983134107   243,197 2,466 SH   SOLE   2,466 0 0
Zynex Inc COM 98986M103   108,469 12,215 SH   SOLE   12,215 0 0