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
iShares Core US Aggregate Bond ETF COM 464287226 43,226 374,670 SH   SOLE   374,670 0 0
Apple Computer Inc COM 037833100 10,449 41,090 SH   SOLE   41,090 0 0
Microsoft Corp COM 594918104 10,399 65,939 SH   SOLE   65,939 0 0
Berkshire Hathaway B COM 084670702 10,079 55,127 SH   SOLE   55,127 0 0
Intel Corp COM 458140100 7,504 138,650 SH   SOLE   138,650 0 0
Johnson & Johnson COM 478160104 7,460 56,893 SH   SOLE   56,893 0 0
Pepsi Co COM 713448108 6,913 57,564 SH   SOLE   57,564 0 0
SPDRR Blmbg Barclays 1-10 Year TIPS ETF COM 78468R861 6,291 320,477 SH   SOLE   320,477 0 0
Wal-Mart Stores Inc COM 931142103 6,220 54,745 SH   SOLE   54,745 0 0
iShares Core MSCI EAFE COM 46432F842 5,835 116,956 SH   SOLE   116,956 0 0
Cisco Systems Inc COM 17275R102 5,731 145,779 SH   SOLE   145,779 0 0
Tractor Supply Company COM 892356106 5,440 64,343 SH   SOLE   64,343 0 0
Roper Industries Inc COM 776696106 5,401 17,321 SH   SOLE   17,321 0 0
Amazon Com Inc COM 023135106 5,362 2,750 SH   SOLE   2,750 0 0
Alphabet Inc Class A COM 02079K305 5,268 4,534 SH   SOLE   4,534 0 0
SPDRR Gold Shares COM 78463V107 4,986 33,681 SH   SOLE   33,681 0 0
Stryker COM 863667101 4,842 29,082 SH   SOLE   29,082 0 0
McDonalds Corp COM 580135101 4,699 28,421 SH   SOLE   28,421 0 0
Facebook Inc. Com COM 30303M102 4,540 27,216 SH   SOLE   27,216 0 0
SPDRR Blmbg Barclays 1-3 Mth T-Bill ETF COM 78468R663 4,432 48,365 SH   SOLE   48,365 0 0
Vanguard FTSE All-Wld ex-US ETF COM 922042775 4,418 107,698 SH   SOLE   107,698 0 0
J P Morgan Chase & Co COM 46625H100 4,367 48,508 SH   SOLE   48,508 0 0
Lowes Companies Inc COM 548661107 4,358 50,649 SH   SOLE   50,649 0 0
Pfizer Incorporated COM 717081103 4,227 129,489 SH   SOLE   129,489 0 0
Home Depot Inc COM 437076102 4,062 21,758 SH   SOLE   21,758 0 0
Walt Disney Co COM 254687106 3,735 38,664 SH   SOLE   38,664 0 0
Union Pacific Corp COM 907818108 3,505 24,850 SH   SOLE   24,850 0 0
Procter & Gamble COM 742718109 3,452 31,385 SH   SOLE   31,385 0 0
iShares Core MSCI Emerging Markets COM 46434G103 3,426 84,648 SH   SOLE   84,648 0 0
Unilever PLC ADR COM 904767704 3,018 59,678 SH   SOLE   59,678 0 0
Mastercard Inc COM 57636Q104 3,004 12,438 SH   SOLE   12,438 0 0
Ecolab Inc COM 278865100 2,989 19,183 SH   SOLE   19,183 0 0
Vanguard Intmdt-Term Trs ETF COM 92206C706 2,248 31,870 SH   SOLE   31,870 0 0
iShares NASDAQ Biotech COM 464287556 2,235 20,744 SH   SOLE   20,744 0 0
Valero Energy Corporation COM 91913Y100 2,185 48,181 SH   SOLE   48,181 0 0
Vanguard 500 ETF COM 922908363 2,135 9,015 SH   SOLE   9,015 0 0
Stanley Black & Decker Inc Com COM 854502101 2,007 20,073 SH   SOLE   20,073 0 0
Vanguard Total Stock Market ETF COM 922908769 1,937 15,023 SH   SOLE   15,023 0 0
Unitedhealth Group Inc COM 91324P102 1,766 7,080 SH   SOLE   7,080 0 0
VanEck Vectors AMT-Free Interm Muni ETF COM 92189H201 1,752 35,658 SH   SOLE   35,658 0 0
Target Corporation COM 87612E106 1,691 18,191 SH   SOLE   18,191 0 0
iShares Core S&P Mid-Cap ETF COM 464287507 1,625 11,293 SH   SOLE   11,293 0 0
Bank of America Corp. COM 060505104 1,603 75,510 SH   SOLE   75,510 0 0
iShares Global REIT ETF COM 46434V647 1,598 83,462 SH   SOLE   83,462 0 0
Anheuser-Busch InBev SA/NV ADR COM 03524A108 1,497 33,925 SH   SOLE   33,925 0 0
Nextera Energy Inc Com COM 65339F101 1,479 6,147 SH   SOLE   6,147 0 0
SPDR Nuveen Barclays Cap Sh Term FD COM 78468R739 1,444 29,528 SH   SOLE   29,528 0 0
Vanguard Short-Term Treasury ETF COM 92206C102 1,420 22,780 SH   SOLE   22,780 0 0
Duke Energy Corporation COM 26441C204 1,375 17,003 SH   SOLE   17,003 0 0
Verizon Communications COM 92343V104 1,353 25,176 SH   SOLE   25,176 0 0
Automatic Data Processing COM 053015103 1,201 8,788 SH   SOLE   8,788 0 0
Thermo Fisher Scientific Inc COM 883556102 1,188 4,189 SH   SOLE   4,189 0 0
Amgen, Inc. COM 031162100 1,142 5,635 SH   SOLE   5,635 0 0
Merck & Co Inc COM 58933Y105 1,138 14,796 SH   SOLE   14,796 0 0
Exxon Mobil Corp. COM 30231G102 1,135 29,879 SH   SOLE   29,879 0 0
Corning Inc COM 219350105 1,115 54,263 SH   SOLE   54,263 0 0
iShares Barclay Tips COM 464287176 1,096 9,298 SH   SOLE   9,298 0 0
Lincoln National Corp COM 534187109 1,071 40,696 SH   SOLE   40,696 0 0
Aptiv COM G6095L109 1,049 21,309 SH   SOLE   21,309 0 0
Constellation Brand Cl A COM 21036P108 966 6,735 SH   SOLE   6,735 0 0
Chevron Corp COM 166764100 957 13,204 SH   SOLE   13,204 0 0
ING Group Pfd COM 456837509 897 36,038 SH   SOLE   36,038 0 0
Travelers Companies Inc COM 89417E109 877 8,825 SH   SOLE   8,825 0 0
iShares Core S&P Small-Cap ETF COM 464287804 835 14,876 SH   SOLE   14,876 0 0
Philip Morris Intl COM 718172109 821 11,257 SH   SOLE   11,257 0 0
iShares National Muni Bond ETF COM 464288414 795 7,039 SH   SOLE   7,039 0 0
AT&T COM 00206R102 786 26,965 SH   SOLE   26,965 0 0
Alphabet Inc Class C COM 02079K107 769 661 SH   SOLE   661 0 0
Vanguard Dividend Appreciation ETF COM 921908844 754 7,292 SH   SOLE   7,292 0 0
Conoco-Phillips COM 20825C104 753 24,448 SH   SOLE   24,448 0 0
Darden Restaurants Inc COM 237194105 750 13,775 SH   SOLE   13,775 0 0
General Mills Inc COM 370334104 731 13,861 SH   SOLE   13,861 0 0
iPathR Bloomberg Cmdty TR ETN COM 06738C778 689 41,688 SH   SOLE   41,688 0 0
Vanguard FTSE Europe ETF COM 922042874 681 15,724 SH   SOLE   15,724 0 0
Altria Group Inc COM 02209S103 654 16,917 SH   SOLE   16,917 0 0
Deere & Co COM 244199105 626 4,533 SH   SOLE   4,533 0 0
Coca Cola Company COM 191216100 620 14,017 SH   SOLE   14,017 0 0
Royal Bk Cda Montreal COM 780087102 618 10,038 SH   SOLE   10,038 0 0
Broadcom Inc Com COM 11135F101 618 2,605 SH   SOLE   2,605 0 0
First Bancorp N C COM 318910106 596 25,839 SH   SOLE   25,839 0 0
NBT Bancorp Inc COM 628778102 580 17,897 SH   SOLE   17,897 0 0
Emerson Electric COM 291011104 575 12,074 SH   SOLE   12,074 0 0
CVS Corp COM 126650100 554 9,332 SH   SOLE   9,332 0 0
Global Payments Inc COM 37940X102 546 3,786 SH   SOLE   3,786 0 0
Vanguard High Dividend Yield ETF COM 921946406 534 7,550 SH   SOLE   7,550 0 0
Bristol-Myers Squibb Co COM 110122108 527 9,458 SH   SOLE   9,458 0 0
Toro Co Com COM 891092108 521 8,000 SH   SOLE   8,000 0 0
Oracle Corporation COM 68389X105 511 10,580 SH   SOLE   10,580 0 0
Abbott Laboratories COM 002824100 507 6,430 SH   SOLE   6,430 0 0
Gabelli Divid & Incm Pfd PFD 345395206 503 19,907 SH   SOLE   19,907 0 0
SPDRR S&P 500 ETF COM 78462F103 502 1,949 SH   SOLE   1,949 0 0
Alibaba Group Hldg COM 01609W102 494 2,540 SH   SOLE   2,540 0 0
Vanguard FTSE Emerging Markets ETF COM 922042858 470 14,008 SH   SOLE   14,008 0 0
Qualcomm Inc COM 747525103 467 6,910 SH   SOLE   6,910 0 0
Nestle S A Reg B Adr COM 641069406 460 4,469 SH   SOLE   4,469 0 0
Annaly Capital COM 035710870 458 25,795 SH   SOLE   25,795 0 0
Vanguard Total International Stock COM 921909768 457 10,895 SH   SOLE   10,895 0 0
iShares Floating Rate Bond ETF COM 46429B655 457 9,379 SH   SOLE   9,379 0 0
Sysco Corp COM 871829107 452 9,911 SH   SOLE   9,911 0 0
Vanguard Tax-Exempt Bond ETF COM 922907746 439 8,290 SH   SOLE   8,290 0 0
Baxter International Inc COM 071813109 428 5,268 SH   SOLE   5,268 0 0
Assured Gty Muni COM 04623A304 417 16,985 SH   SOLE   16,985 0 0
Yum Brands Inc Com COM 988498101 406 5,930 SH   SOLE   5,930 0 0
Wells Fargo & Co COM 949746101 404 14,084 SH   SOLE   14,084 0 0
Dominion Resources Inc VA New COM 25746U109 394 5,452 SH   SOLE   5,452 0 0
3M Company COM 88579Y101 383 2,806 SH   SOLE   2,806 0 0
Lilly Eli & Company COM 532457108 381 2,750 SH   SOLE   2,750 0 0
The Southern Company COM 842587107 380 7,022 SH   SOLE   7,022 0 0
Capital One COM 14040H881 367 15,290 SH   SOLE   15,290 0 0
Abbvie Inc COM 00287Y109 362 4,747 SH   SOLE   4,747 0 0
Enbridge Inc COM 29250N105 358 12,300 SH   SOLE   12,300 0 0
United Technologies COM 913017109 356 3,778 SH   SOLE   3,778 0 0
Eversource Energy COM 30040W108 354 4,527 SH   SOLE   4,527 0 0
Mondelez COM 609207105 353 7,042 SH   SOLE   7,042 0 0
Truist Finl Corp Com COM 89832Q109 335 10,854 SH   SOLE   10,854 0 0
iShares MSCI EAFE ETF COM 464287465 334 6,250 SH   SOLE   6,250 0 0
Vanguard Short-Term Corporate Bond ETF COM 92206C409 333 4,215 SH   SOLE   4,215 0 0
International Business Machines COM 459200101 333 3,005 SH   SOLE   3,005 0 0
iShares COMEX Gold Trust COM 464285105 332 22,050 SH   SOLE   22,050 0 0
Sector Spdr Health Fund COM 81369Y209 329 3,710 SH   SOLE   3,710 0 0
Northrop Grumman Corp COM 666807102 326 1,079 SH   SOLE   1,079 0 0
Visa Inc Cl A COM 92826C839 320 1,983 SH   SOLE   1,983 0 0
Public Storage COM 74460W800 318 13,190 SH   SOLE   13,190 0 0
Russell Midcap ETF COM 464287499 311 7,200 SH   SOLE   7,200 0 0
Texas Instruments Inc COM 882508104 309 3,092 SH   SOLE   3,092 0 0
Kimberly-Clark Corp COM 494368103 308 2,409 SH   SOLE   2,409 0 0
Nvidia Corp COM 67066G104 303 1,150 SH   SOLE   1,150 0 0
L3Harris Technologies Ord COM 502431109 294 1,633 SH   SOLE   1,633 0 0
Capital One Financial Corp COM 14040H105 281 5,570 SH   SOLE   5,570 0 0
iShares CEF Real Estate COM 464287739 277 3,985 SH   SOLE   3,985 0 0
Vanguard Short-Term Bond Index Fund ETF COM 921937827 276 3,360 SH   SOLE   3,360 0 0
Vanguard MSCI US Small Cap Growth COM 922908595 275 1,832 SH   SOLE   1,832 0 0
Eaton Corp PLC COM G29183103 269 3,467 SH   SOLE   3,467 0 0
Blackrock Core Bd TRUST COM 09249E101 261 19,750 SH   SOLE   19,750 0 0
Trane Inc COM G8994E103 261 3,155 SH   SOLE   3,155 0 0
PepsiCo Inc Put Opt 01/21 115.0 01/15/2021 COM PEP210115 258 210 SH   SOLE   210 0 0
Nokia Corp Spon Adr COM 654902204 257 82,800 SH   SOLE   82,800 0 0
Yum China Holdings I COM 98850P109 255 5,981 SH   SOLE   5,981 0 0
Ametek INC COM 031100100 252 3,500 SH   SOLE   3,500 0 0
Four Corners Property Trust COM 35086T109 242 12,957 SH   SOLE   12,957 0 0
Sector Spdr Engy Select COM 81369Y506 240 8,250 SH   SOLE   8,250 0 0
Magellan Midstream Partne COM 559080106 234 6,415 SH   SOLE   6,415 0 0
Accenture Ltd Cl A COM G1151C101 232 1,418 SH   SOLE   1,418 0 0
General Electric Co. COM 369604103 230 29,016 SH   SOLE   29,016 0 0
Host Hotels & Resorts COM 44107P104 221 20,042 SH   SOLE   20,042 0 0
Darden Restaurants Inc Put Opt 01/21 95.0 01/15/2021 COM DRI210115 220 50 SH   SOLE   50 0 0
Sector Spdr Tech Select COM 81369Y803 217 2,700 SH   SOLE   2,700 0 0
Sector Spdr Fincl Select COM 81369Y605 214 10,260 SH   SOLE   10,260 0 0
Honeywell, Inc. COM 438516106 210 1,569 SH   SOLE   1,569 0 0
Goldman Sachs Gp Dep Shs COM 38143Y665 206 10,877 SH   SOLE   10,877 0 0
Norfolk Southern Corp COM 655844108 204 1,399 SH   SOLE   1,399 0 0
Partnerre Ltd PFD G68603136 204 8,289 SH   SOLE   8,289 0 0
Nuveen AMT-Free Municipal COM 670657105 203 14,962 SH   SOLE   14,962 0 0
Hometrust Bancshares Inc COM 437872104 201 12,600 SH   SOLE   12,600 0 0