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 COM G0403H108 419 1,466 SH   SOLE   0 0 1,466
Medtronic plc COM G5960L103 3,047 24,311 SH   SOLE   0 0 24,311
TE Connectivity Ltd COM H84989104 213 1,550 SH   SOLE   0 0 1,550
AT&T Corp COM 00206R102 547 20,262 SH   SOLE   0 0 20,262
Alibaba Group Hldg Adr ADR 01609W102 753 5,087 SH   SOLE   0 0 5,087
AbbVie Inc COM 00287Y109 421 3,907 SH   SOLE   0 0 3,907
Alphabet, Inc. Cl C COM 02079K107 3,012 1,130 SH   SOLE   0 0 1,130
Alphabet, Inc. Cl A COM 02079K305 8,611 3,221 SH   SOLE   0 0 3,221
Altria Group Inc COM 02209S103 348 7,635 SH   SOLE   0 0 7,635
ETFS Phys. Swiss Gold Shares COM 00326A104 9,838 583,831 SH   SOLE   0 0 583,831
American Tower Corp COM 03027X100 548 2,063 SH   SOLE   0 0 2,063
Aptose Biosciences COM 03835T200 28 12,915 SH   SOLE   0 0 12,915
Blackstone Group Lp COM 09260D107 973 8,363 SH   SOLE   0 0 8,363
Abbott Labs COM 002824100 690 5,845 SH   SOLE   0 0 5,845
Advanced Micro Devices COM 007903107 305 2,961 SH   SOLE   0 0 2,961
Allstate Corp COM 020002101 480 3,767 SH   SOLE   0 0 3,767
Amazon.com COM 023135106 3,502 1,066 SH   SOLE   0 0 1,066
Amgen Inc COM 031162100 2,120 9,967 SH   SOLE   0 0 9,967
Apple, Inc COM 037833100 11,374 80,381 SH   SOLE   0 0 80,381
Applied Materials COM 038222105 414 3,216 SH   SOLE   0 0 3,216
Automatic Data Processing COM 053015103 979 4,899 SH   SOLE   0 0 4,899
Bank Of America COM 060505104 2,320 54,642 SH   SOLE   0 0 54,642
Becton Dickinson COM 075887109 253 1,028 SH   SOLE   0 0 1,028
Berkshire Hathaway B COM 084670702 1,907 6,988 SH   SOLE   0 0 6,988
Boeing Co COM 097023105 222 1,009 SH   SOLE   0 0 1,009
Bristol Myers Squibb COM 110122108 1,247 21,073 SH   SOLE   0 0 21,073
Broadcom Limited COM 11135F101 1,250 2,579 SH   SOLE   0 0 2,579
CVS Health Corporation COM 126650100 2,179 25,682 SH   SOLE   0 0 25,682
Carrier Global Corp COM 14448C104 245 4,741 SH   SOLE   0 0 4,741
Catchmark Timber Tr COM 14912Y202 833 70,207 SH   SOLE   0 0 70,207
Chase Corp COM 16150R104 369 3,610 SH   SOLE   0 0 3,610
ChevronTexaco Corp COM 166764100 1,331 13,123 SH   SOLE   0 0 13,123
Cisco Systems COM 17275R102 2,023 37,173 SH   SOLE   0 0 37,173
Citigroup Inc COM 172967424 378 5,389 SH   SOLE   0 0 5,389
Citizens Financial Group COM 174610105 565 12,018 SH   SOLE   0 0 12,018
Clearside Biomedical Inc COM 185063104 129 21,523 SH   SOLE   0 0 21,523
Coca Cola COM 191216100 598 11,389 SH   SOLE   0 0 11,389
Commercial Metals Co COM 201723103 506 16,619 SH   SOLE   0 0 16,619
Conoco Phillips COM 20825C104 231 3,405 SH   SOLE   0 0 3,405
Constellation Brands COM 21036P108 421 1,999 SH   SOLE   0 0 1,999
Costco Whsl Corp COM 22160K105 213 473 SH   SOLE   0 0 473
Crowdstrike Hldgs Inc COM 22788C105 274 1,115 SH   SOLE   0 0 1,115
Danaher Corp COM 235851102 1,995 6,554 SH   SOLE   0 0 6,554
Diageo Plc COM 25243Q205 319 1,651 SH   SOLE   0 0 1,651
Disney Walt Co COM 254687106 2,594 15,334 SH   SOLE   0 0 15,334
Dominion Res Inc Va COM 25746U109 466 6,386 SH   SOLE   0 0 6,386
Dow Chemical COM 260557103 269 4,674 SH   SOLE   0 0 4,674
Duke Energy COM 26441C204 308 3,155 SH   SOLE   0 0 3,155
Du Pont E I De Nemours COM 26614N102 341 5,015 SH   SOLE   0 0 5,015
Applied Finance Valuation Lg Cap ETF ETF 26923N405 2,535 98,418 SH   SOLE   0 0 98,418
HACK- PureFunds ISE Cyber Security ETF ETF 26924G201 309 5,075 SH   SOLE   0 0 5,075
IPAY - ETFMG Mobile Payments ETF 26924G409 210 3,097 SH   SOLE   0 0 3,097
Emerson Electric COM 291011104 1,318 13,993 SH   SOLE   0 0 13,993
Energy Transfer Equity COM 29273V100 115 12,000 SH   SOLE   0 0 12,000
Eversource Energy COM 30040W108 236 2,889 SH   SOLE   0 0 2,889
Exxon-Mobil COM 30231G102 1,128 19,182 SH   SOLE   0 0 19,182
Facebook Inc Class A COM 30303M102 1,367 4,029 SH   SOLE   0 0 4,029
First Trust TCWOpportunistic Fxd Inc ETF ETF 33740F805 482 9,005 SH   SOLE   0 0 9,005
First Trust Preferred Sec & Inc ETF ETF 33739E108 6,514 317,127 SH   SOLE   0 0 317,127
Fiserv Inc. COM 337738108 1,373 12,656 SH   SOLE   0 0 12,656
General Electric COM 369604301 409 3,970 SH   SOLE   0 0 3,970
Global Payments, Inc. COM 37940X102 1,383 8,775 SH   SOLE   0 0 8,775
Goldman Sachs Group COM 38141G104 292 772 SH   SOLE   0 0 772
Gldmn Sachs ActiveBeta Emrg Mkts ETF 381430206 282 7,589 SH   SOLE   0 0 7,589
Hewlett Packard COM 40434L105 267 9,774 SH   SOLE   0 0 9,774
Histogen Ord COM 43358Y103 40 52,522 SH   SOLE   0 0 52,522
Home Depot COM 437076102 1,559 4,748 SH   SOLE   0 0 4,748
Illinois Tool Works COM 452308109 761 3,685 SH   SOLE   0 0 3,685
Intel Corp COM 458140100 2,039 38,271 SH   SOLE   0 0 38,271
International Business Machines COM 459200101 1,411 10,158 SH   SOLE   0 0 10,158
Intuit Inc. COM 461202103 325 602 SH   SOLE   0 0 602
Invesco S&P 500 Eq. Wgt. ETF ETF 46137V357 211 1,409 SH   SOLE   0 0 1,409
Invesco Financial Pfd PFD 46137V621 221 11,659 SH   SOLE   0 0 11,659
Invesco Biotech & Genomics ETF ETF 46137V787 988 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 321 21,355 SH   SOLE   0 0 21,355
iShares Inv. Grade Corp. Bd. ETF 464287242 263 1,975 SH   SOLE   0 0 1,975
iShares S&P 500 Barra Gr. Fd. ETF 464287309 903 12,211 SH   SOLE   0 0 12,211
iShares S&P 500 Value ETF ETF 464287408 522 3,590 SH   SOLE   0 0 3,590
iShares S&P Midcap 400 Index ETF ETF 464287507 3,380 12,848 SH   SOLE   0 0 12,848
iShares Russell 2000 Index Fund ETF ETF 464287655 279 1,275 SH   SOLE   0 0 1,275
iShares S&P Smallcap 600 Index ETF ETF 464287804 3,476 31,832 SH   SOLE   0 0 31,832
iShares Sht-Term National Muni ETF ETF 464288158 291 2,704 SH   SOLE   0 0 2,704
iShares MBS ETF ETF 464288588 365 3,374 SH   SOLE   0 0 3,374
iShares Floating Rate Bond ETF ETF 46429B655 331 6,507 SH   SOLE   0 0 6,507
iShares MSCI USA Momentum ETF 46432F396 321 1,829 SH   SOLE   0 0 1,829
J P Morgan Chase & Co COM 46625H100 3,761 22,974 SH   SOLE   0 0 22,974
JH/DFA Small Cap Value ETF ETF 47804J842 1,327 38,397 SH   SOLE   0 0 38,397
Johnson & Johnson COM 478160104 4,852 30,045 SH   SOLE   0 0 30,045
KLA Tencor Corp COM 482480100 352 1,054 SH   SOLE   0 0 1,054
Kulicke & Soffa Inds COM 501242101 920 15,779 SH   SOLE   0 0 15,779
L3Harris Technologies Inc COM 502431109 2,098 9,527 SH   SOLE   0 0 9,527
Labrador Iron Mines Holdings Ltd COM 505435107 11 96,522 SH   SOLE   0 0 96,522
Lilly Eli & Co COM 532457108 330 1,430 SH   SOLE   0 0 1,430
Lockheed Martin Corp COM 539830109 508 1,472 SH   SOLE   0 0 1,472
Lowes Companies COM 548661107 3,310 16,319 SH   SOLE   0 0 16,319
Mastercard Inc COM 57636Q104 880 2,532 SH   SOLE   0 0 2,532
McDonalds Corp COM 580135101 1,493 6,193 SH   SOLE   0 0 6,193
Medicenna Therapeutics Corp COM 58490H107 36 12,915 SH   SOLE   0 0 12,915
Merck & Co Inc COM 58933Y105 3,968 52,833 SH   SOLE   0 0 52,833
Microsoft Corp COM 594918104 9,388 33,301 SH   SOLE   0 0 33,301
Mondelez Intl Inc Cl A COM 609207105 769 13,211 SH   SOLE   0 0 13,211
NextEra Energy Inc. COM 65339F101 868 11,048 SH   SOLE   0 0 11,048
Nike Inc Class B COM 654106103 1,225 8,435 SH   SOLE   0 0 8,435
Norfolk Southern Corp COM 655844108 239 1,000 SH   SOLE   0 0 1,000
Northrop Grumman Corp COM 666807102 202 560 SH   SOLE   0 0 560
Novartis A G COM 66987V109 306 3,739 SH   SOLE   0 0 3,739
Nvidia Corp COM 67066G104 2,110 10,185 SH   SOLE   0 0 10,185
Nuveen Inter Dur Qlty Muni ETF 670677103 345 23,550 SH   SOLE   0 0 23,550
Oncolytics Biotech COM 682310875 27 12,915 SH   SOLE   0 0 12,915
Oracle Systems COM 68389X105 592 6,795 SH   SOLE   0 0 6,795
Oragenics Inc COM 684023302 7 10,468 SH   SOLE   0 0 10,468
Osisko Gold Royaltie COM 68827L101 125 11,139 SH   SOLE   0 0 11,139
Ovid Therapeutics Inc COM 690469101 52 15,522 SH   SOLE   0 0 15,522
PPG Inds Inc COM 693506107 275 1,920 SH   SOLE   0 0 1,920
Palo Alto Networks Inc COM 697435105 1,182 2,467 SH   SOLE   0 0 2,467
Paychex Inc COM 704326107 219 1,949 SH   SOLE   0 0 1,949
Paypal Holdings, Inc. COM 70450Y103 1,857 7,136 SH   SOLE   0 0 7,136
Pepsico COM 713448108 2,664 17,709 SH   SOLE   0 0 17,709
Pfizer Inc COM 717081103 1,453 33,773 SH   SOLE   0 0 33,773
Philip Morris Intl Inc COM 718172109 425 4,487 SH   SOLE   0 0 4,487
Pimco Intermediate Muni ETF ETF 72201R866 886 15,711 SH   SOLE   0 0 15,711
PolarityTE Inc COM 731094108 13 20,803 SH   SOLE   0 0 20,803
Procter & Gamble Inc COM 742718109 2,970 21,244 SH   SOLE   0 0 21,244
Proshares S&P 500 Div Aristocrats ETF 74348A467 5,989 67,652 SH   SOLE   0 0 67,652
Public Svc Enterprise COM 744573106 498 8,178 SH   SOLE   0 0 8,178
Qualcomm Corp COM 747525103 772 5,987 SH   SOLE   0 0 5,987
Quanta Services Inc COM 74762E102 1,788 15,713 SH   SOLE   0 0 15,713
Raytheon Technologies Co COM 75513E101 1,254 14,588 SH   SOLE   0 0 14,588
Roper Technologies, Inc COM 776696106 770 1,726 SH   SOLE   0 0 1,726
SPDR S&P 500 ETF ETF 78462F103 1,973 4,597 SH   SOLE   0 0 4,597
SPDR Gold Shares ETF 78463V107 2,743 16,702 SH   SOLE   0 0 16,702
SPDR MSCI Acwi Ex-US ETF 78463X848 722 24,921 SH   SOLE   0 0 24,921
SPDR Sr Innovative Tech ETF 78464A110 397 1,841 SH   SOLE   0 0 1,841
SPDR S&P Dividend ETF ETF 78464A763 3,469 29,513 SH   SOLE   0 0 29,513
SPDR S&P Biotech ETF ETF 78464A870 1,507 11,985 SH   SOLE   0 0 11,985
SPDR Doubleline Ttl Rtrn ETF 78467V848 1,030 21,312 SH   SOLE   0 0 21,312
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107 552 1,148 SH   SOLE   0 0 1,148
SPDR Blmbrg Brcly 1-10 Yr TIP ETF 78468R861 1,969 93,313 SH   SOLE   0 0 93,313
SPDR DoubleLine EM ETF ETF 78470P309 1,366 27,147 SH   SOLE   0 0 27,147
Salesforce Com COM 79466L302 1,229 4,530 SH   SOLE   0 0 4,530
Truist Finl Corp COM 89832Q109 1,524 25,983 SH   SOLE   0 0 25,983
Schwab Dow Jones US Broad Mkt ETF ETF 808524102 717 6,902 SH   SOLE   0 0 6,902
Schwab Dow Jones US Large Cap ETF ETF 808524201 17,944 172,491 SH   SOLE   0 0 172,491
Schwab Dow Jones US Large Growth ETF ETF 808524300 9,833 66,399 SH   SOLE   0 0 66,399
Schwab Dow Jones US Large Value ETF ETF 808524409 8,628 127,867 SH   SOLE   0 0 127,867
Schwab Dow Jones US Mid-Cap ETF ETF 808524508 6,259 81,641 SH   SOLE   0 0 81,641
Schwab Dow Jones US Sm-Cap ETF ETF 808524607 46,878 46,831 SH   SOLE   0 0 46,831
Schwab FTSE Emerging Mkt ETF ETF 808524706 347 11,385 SH   SOLE   0 0 11,385
Sch Fundamental EM Lg Co ETF ETF 808524730 1,465 45,470 SH   SOLE   0 0 45,470
Sch Fundamental US Large Co ETF ETF 808524771 394 7,301 SH   SOLE   0 0 7,301
Schwab Dow Jones US Div Eq ETF ETF 808524797 16,894 227,555 SH   SOLE   0 0 227,555
Schwab FTSE Developed ex-US ETF ETF 808524805 3,286 84,901 SH   SOLE   0 0 84,901
Schwab US AGG Bnd ETF ETF 808524839 9,094 167,608 SH   SOLE   0 0 167,608
Schwab US TIPS ETF ETF 808524870 330 5,268 SH   SOLE   0 0 5,268
SPDR Technology Select Sector ETF 81369Y803 860 5,757 SH   SOLE   0 0 5,757
Service Now Inc COM 81762P102 326 524 SH   SOLE   0 0 524
Shopify Inc COM 82509L107 301 222 SH   SOLE   0 0 222
Skyworks Solutions COM 83088M102 397 2,409 SH   SOLE   0 0 2,409
Solid Biosciences Inc COM 83422E105 24 10,023 SH   SOLE   0 0 10,023
Stanley Works COM 854502101 674 3,846 SH   SOLE   0 0 3,846
Starbucks Corp COM 855244109 372 3,373 SH   SOLE   0 0 3,373
State Street Boston Corp COM 857477103 530 6,257 SH   SOLE   0 0 6,257
Sundial Growers Inc COM 86730L109 69 101,420 SH   SOLE   0 0 101,420
Sysco Inc COM 871829107 256 3,264 SH   SOLE   0 0 3,264
TJX Cos Inc COM 872540109 474 7,189 SH   SOLE   0 0 7,189
Target Corp COM 87612E106 358 1,564 SH   SOLE   0 0 1,564
Beauty Health Company Eqy Warrant COM 88331L116 328 22,644 SH   SOLE   0 0 22,644
Thermo Fisher Scientific COM 883556102 1,613 2,824 SH   SOLE   0 0 2,824
3M Company COM 88579Y101 328 1,868 SH   SOLE   0 0 1,868
Tyson Foods Inc COM 902494103 637 8,064 SH   SOLE   0 0 8,064
Unilever Plc Adr New ADR 904767704 248 4,580 SH   SOLE   0 0 4,580
Union Pacific Corp COM 907818108 1,844 9,410 SH   SOLE   0 0 9,410
UPS Inc COM 911312106 527 2,897 SH   SOLE   0 0 2,897
Vanguard Div Appreciation ETF ETF 921908844 1,618 10,534 SH   SOLE   0 0 10,534
Vanguard S&P 500 Growth ETF 921932505 221 830 SH   SOLE   0 0 830
Vanguard Short-Term Bond ETF ETF 921937827 409 4,995 SH   SOLE   0 0 4,995
Vanguard Sht-Term Infl Prot Sec ETF ETF 922020805 419 7,966 SH   SOLE   0 0 7,966
Vanguard Consumer Staples ETF ETF 92204A207 705 3,932 SH   SOLE   0 0 3,932
Vanguard Info Technology ETF 92204A702 224 557 SH   SOLE   0 0 557
Vanguard FTSE All-World ex-USA ETF ETF 922042775 2,350 38,542 SH   SOLE   0 0 38,542
Vanguard S&P 500 ETF ETF 922908363 3,005 7,619 SH   SOLE   0 0 7,619
Vanguard Mid Cap Value ETF ETF 922908512 349 2,503 SH   SOLE   0 0 2,503
Vanguard REIT ETF 922908553 2,230 21,911 SH   SOLE   0 0 21,911
Vanguard Small-Cap Value ETF ETF 922908611 675 3,988 SH   SOLE   0 0 3,988
Vanguard Mid-Cap ETF ETF 922908629 839 3,542 SH   SOLE   0 0 3,542
Vanguard Growth ETF ETF 922908736 2,162 7,452 SH   SOLE   0 0 7,452
Vanguard Value ETF ETF 922908744 2,154 15,915 SH   SOLE   0 0 15,915
Vanguard Small Cap ETF ETF 922908751 419 1,916 SH   SOLE   0 0 1,916
Verizon Communications COM 92343V104 2,791 51,667 SH   SOLE   0 0 51,667
Vertex Pharmaceuticals COM 92532F100 228 1,258 SH   SOLE   0 0 1,258
Visa, Inc. COM 92826C839 1,345 6,038 SH   SOLE   0 0 6,038
Wal-Mart Stores COM 931142103 637 4,570 SH   SOLE   0 0 4,570
Wells Fargo & Company COM 949746101 239 5,140 SH   SOLE   0 0 5,140
Western Asset Muni Hi Income COM 95766N103 365 45,977 SH   SOLE   0 0 45,977