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
3M Company COM 88579Y101 260 2,009 SH   SOLE   0 0 2,009
Abbott Labs COM 002824100 664 6,109 SH   SOLE   0 0 6,109
AbbVie Inc COM 00287Y109 645 4,212 SH   SOLE   0 0 4,212
Allstate Corp COM 020002101 555 4,383 SH   SOLE   0 0 4,383
Alphabet, Inc. Cl A COM 02079K305 6,978 3,202 SH   SOLE   0 0 3,202
Alphabet, Inc. Cl C COM 02079K107 2,078 950 SH   SOLE   0 0 950
Altria Group Inc COM 02209S103 319 7,635 SH   SOLE   0 0 7,635
Amazon.com COM 023135106 2,306 21,710 SH   SOLE   0 0 21,710
American Tower Corp COM 03027X100 556 2,176 SH   SOLE   0 0 2,176
Amgen Inc COM 031162100 2,429 9,982 SH   SOLE   0 0 9,982
AON Corp COM G0403H108 368 1,366 SH   SOLE   0 0 1,366
Apple, Inc COM 037833100 9,831 71,908 SH   SOLE   0 0 71,908
Applied Finance Valuation Lg Cap ETF ETF 26923N405 5,405 234,316 SH   SOLE   0 0 234,316
Applied Materials COM 038222105 292 3,212 SH   SOLE   0 0 3,212
Automatic Data Processing COM 053015103 1,028 4,894 SH   SOLE   0 0 4,894
Bank Of America COM 060505104 1,779 57,132 SH   SOLE   0 0 57,132
Beauty Health Company CL A ORD COM 88331L108 349 27,144 SH   SOLE   0 0 27,144
Becton Dickinson COM 075887109 253 1,028 SH   SOLE   0 0 1,028
Berkshire Hathaway B COM 084670702 1,778 6,513 SH   SOLE   0 0 6,513
Blackstone Group Lp COM 09260D107 794 8,703 SH   SOLE   0 0 8,703
Bristol Myers Squibb COM 110122108 1,595 20,720 SH   SOLE   0 0 20,720
Broadcom Limited COM 11135F101 1,562 3,216 SH   SOLE   0 0 3,216
Chase Corp COM 16150R104 281 3,610 SH   SOLE   0 0 3,610
ChevronTexaco Corp COM 166764100 2,126 14,683 SH   SOLE   0 0 14,683
Cigna COM 125523100 234 887 SH   SOLE   0 0 887
Cisco Systems COM 17275R102 1,601 37,545 SH   SOLE   0 0 37,545
Citizens Financial Group COM 174610105 375 10,518 SH   SOLE   0 0 10,518
Coca Cola COM 191216100 717 11,395 SH   SOLE   0 0 11,395
Commercial Metals Co COM 201723103 551 16,636 SH   SOLE   0 0 16,636
Conoco Phillips COM 20825C104 306 3,405 SH   SOLE   0 0 3,405
Constellation Brands COM 21036P108 477 2,048 SH   SOLE   0 0 2,048
Corteva Inc COM 22052L104 238 4,397 SH   SOLE   0 0 4,397
Costco Whsl Corp COM 22160K105 271 565 SH   SOLE   0 0 565
CVS Health Corporation COM 126650100 2,336 25,208 SH   SOLE   0 0 25,208
Danaher Corp COM 235851102 1,618 6,382 SH   SOLE   0 0 6,382
DFA Emerging Mkt Core Equity ETF ETF 25434V302 1,926 83,182 SH   SOLE   0 0 83,182
Diageo Plc COM 25243Q205 287 1,651 SH   SOLE   0 0 1,651
Disney Walt Co COM 254687106 1,477 15,644 SH   SOLE   0 0 15,644
Dominion Res Inc Va COM 25746U109 510 6,386 SH   SOLE   0 0 6,386
Dow Chemical COM 260557103 273 5,280 SH   SOLE   0 0 5,280
Du Pont E I De Nemours COM 26614N102 280 5,038 SH   SOLE   0 0 5,038
Duke Energy COM 26441C204 304 2,838 SH   SOLE   0 0 2,838
Emerson Electric COM 291011104 1,056 13,279 SH   SOLE   0 0 13,279
ETFS Phys. Swiss Gold Shares ETF 00326A104 9,405 542,674 SH   SOLE   0 0 542,674
Eversource Energy COM 30040W108 218 2,580 SH   SOLE   0 0 2,580
Exxon-Mobil COM 30231G102 1,635 19,089 SH   SOLE   0 0 19,089
First Trust Preferred Sec & Inc ETF ETF 33739E108 5,041 292,591 SH   SOLE   0 0 292,591
First Trust Senior Loan ETF ETF 33738D309 619 14,034 SH   SOLE   0 0 14,034
First Trust TCWOpportunistic Fxd Inc ETF ETF 33740F805 2,938 63,363 SH   SOLE   0 0 63,363
Fiserv Inc. COM 337738108 1,074 12,076 SH   SOLE   0 0 12,076
General Electric COM 369604301 253 3,970 SH   SOLE   0 0 3,970
Global Payments, Inc. COM 37940X102 899 8,126 SH   SOLE   0 0 8,126
Goldman Sachs ActiveBeta Intl Eq ETF ETF 381430107 4,505 162,221 SH   SOLE   0 0 162,221
Goldman Sachs Group COM 38141G104 319 1,075 SH   SOLE   0 0 1,075
HACK- PureFunds ISE Cyber Security ETF ETF 26924G201 232 5,075 SH   SOLE   0 0 5,075
Hartford MultiFactor Developed Mkts ETF 518416102 412 16,540 SH   SOLE   0 0 16,540
Hewlett Packard COM 40434L105 284 8,676 SH   SOLE   0 0 8,676
Home Depot COM 437076102 1,159 4,227 SH   SOLE   0 0 4,227
Illinois Tool Works COM 452308109 651 3,570 SH   SOLE   0 0 3,570
Intel Corp COM 458140100 879 23,499 SH   SOLE   0 0 23,499
International Business Machines COM 459200101 1,447 10,251 SH   SOLE   0 0 10,251
Intuit Inc. COM 461202103 231 600 SH   SOLE   0 0 600
Invesco Biotech & Genomics ETF ETF 46137V787 762 13,201 SH   SOLE   0 0 13,201
Invesco S&P 500 Low Volatility ETF ETF 46138E354 275 4,428 SH   SOLE   0 0 4,428
iShare Core MSCI Emerging Markets ETF 46434G103 3,740 76,233 SH   SOLE   0 0 76,233
iShares Barclays1-3 Year Treasury Bd Fd ETF 464287457 387 4,677 SH   SOLE   0 0 4,677
iShares Floating Rate Bond ETF ETF 46429B655 325 6,519 SH   SOLE   0 0 6,519
iShares iBonds Dec 2023 Corp Bd ETF ETF 46434VAX8 2,617 104,310 SH   SOLE   0 0 104,310
iShares iBonds Dec 2023 ETF ETF 46436E882 474 19,028 SH   SOLE   0 0 19,028
iShares iBonds Dec 2023 Muni Bd ETF ETF 46435G318 2,489 97,596 SH   SOLE   0 0 97,596
iShares iBonds Dec 2024 Corp Bd ETF ETF 46434VBG4 2,503 101,114 SH   SOLE   0 0 101,114
iShares iBonds Dec 2024 ETF ETF 46436E874 447 18,284 SH   SOLE   0 0 18,284
iShares iBonds Dec 2024 Muni Bd ETF ETF 46435U697 3,007 115,671 SH   SOLE   0 0 115,671
iShares iBonds Dec 2025 Corp Bd ETF ETF 46434VBD1 537 21,735 SH   SOLE   0 0 21,735
iShares iBonds Dec 2025 Muni Bd ETF ETF 46435U432 2,376 89,220 SH   SOLE   0 0 89,220
iShares iBonds Dec 2026 Muni Bd ETF ETF 46435U259 1,180 46,561 SH   SOLE   0 0 46,561
iShares MSCI USA Momentum ETF 46432F396 249 1,829 SH   SOLE   0 0 1,829
iShares Russell 2000 Index Fund ETF ETF 464287655 216 1,275 SH   SOLE   0 0 1,275
iShares S&P 500 Barra Gr. Fd. ETF 464287309 566 9,376 SH   SOLE   0 0 9,376
iShares S&P 500 Value ETF ETF 464287408 472 3,435 SH   SOLE   0 0 3,435
iShares S&P Midcap 400 Index ETF ETF 464287507 2,983 13,188 SH   SOLE   0 0 13,188
iShares S&P Smallcap 600 Index ETF ETF 464287804 2,944 31,862 SH   SOLE   0 0 31,862
iShares Sht-Term National Muni ETF ETF 464288158 284 2,716 SH   SOLE   0 0 2,716
J P Morgan Chase & Co COM 46625H100 2,736 24,297 SH   SOLE   0 0 24,297
JH/DFA Small Cap Multifactor ETF ETF 47804J842 1,317 45,058 SH   SOLE   0 0 45,058
Johnson & Johnson COM 478160104 5,197 29,277 SH   SOLE   0 0 29,277
Kinder Morgan Inc COM 49456B101 218 12,993 SH   SOLE   0 0 12,993
KLA Tencor Corp COM 482480100 418 1,310 SH   SOLE   0 0 1,310
Kulicke & Soffa Inds COM 501242101 834 19,492 SH   SOLE   0 0 19,492
L3Harris Technologies Inc COM 502431109 2,183 9,033 SH   SOLE   0 0 9,033
Lilly Eli & Co COM 532457108 464 1,430 SH   SOLE   0 0 1,430
Lockheed Martin Corp COM 539830109 640 1,488 SH   SOLE   0 0 1,488
Lowes Companies COM 548661107 2,504 14,338 SH   SOLE   0 0 14,338
Mastercard Inc COM 57636Q104 798 2,531 SH   SOLE   0 0 2,531
McDonalds Corp COM 580135101 1,472 5,961 SH   SOLE   0 0 5,961
Medtronic plc ADR G5960L103 2,115 23,568 SH   SOLE   0 0 23,568
Merck & Co Inc COM 58933Y105 4,894 53,677 SH   SOLE   0 0 53,677
Meta Platforms Cl A COM 30303M102 653 4,051 SH   SOLE   0 0 4,051
Microsoft Corp COM 594918104 8,242 32,091 SH   SOLE   0 0 32,091
Mondelez Intl Inc Cl A COM 609207105 830 13,356 SH   SOLE   0 0 13,356
MPLX LP COM 55336V100 233 8,000 SH   SOLE   0 0 8,000
NextEra Energy Inc. COM 65339F101 942 12,156 SH   SOLE   0 0 12,156
Nike Inc Class B COM 654106103 786 7,687 SH   SOLE   0 0 7,687
Northrop Grumman Corp COM 666807102 268 560 SH   SOLE   0 0 560
Novartis A G COM 66987V109 313 3,699 SH   SOLE   0 0 3,699
Nuveen Inter Dur Qlty Muni ETF 670677103 307 24,158 SH   SOLE   0 0 24,158
Nvidia Corp COM 67066G104 1,555 10,257 SH   SOLE   0 0 10,257
Oracle Systems COM 68389X105 476 6,811 SH   SOLE   0 0 6,811
Palo Alto Networks Inc COM 697435105 1,118 2,263 SH   SOLE   0 0 2,263
Paychex Inc COM 704326107 244 2,145 SH   SOLE   0 0 2,145
Paypal Holdings, Inc. COM 70450Y103 393 5,631 SH   SOLE   0 0 5,631
Pepsico COM 713448108 2,896 17,375 SH   SOLE   0 0 17,375
Pfizer Inc COM 717081103 1,743 33,245 SH   SOLE   0 0 33,245
Philip Morris Intl Inc COM 718172109 368 3,731 SH   SOLE   0 0 3,731
Pimco Intermediate Muni ETF ETF 72201R866 521 10,113 SH   SOLE   0 0 10,113
PPG Inds Inc COM 693506107 220 1,920 SH   SOLE   0 0 1,920
Procter & Gamble Inc COM 742718109 3,031 21,082 SH   SOLE   0 0 21,082
Proshares S&P 500 Div Aristocrats ETF 74348A467 6,330 74,152 SH   SOLE   0 0 74,152
Public Svc Enterprise COM 744573106 493 7,785 SH   SOLE   0 0 7,785
Qualcomm Corp COM 747525103 907 7,100 SH   SOLE   0 0 7,100
Quanta Services Inc COM 74762E102 1,842 14,695 SH   SOLE   0 0 14,695
Raytheon Technologies Co COM 75513E101 1,452 15,112 SH   SOLE   0 0 15,112
Real Estate Sector SPDR ETF 81369Y860 3,657 89,505 SH   SOLE   0 0 89,505
Regeneron Pharm COM 75886F107 405 685 SH   SOLE   0 0 685
Roper Technologies, Inc COM 776696106 696 1,764 SH   SOLE   0 0 1,764
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107 331 801 SH   SOLE   0 0 801
Salesforce Com COM 79466L302 720 4,364 SH   SOLE   0 0 4,364
Sch Fundamental EM Lg Co ETF ETF 808524730 318 12,260 SH   SOLE   0 0 12,260
Sch Fundamental US Large Co ETF ETF 808524771 355 6,966 SH   SOLE   0 0 6,966
Schwab Dow Jones US Broad Mkt ETF ETF 808524102 610 13,797 SH   SOLE   0 0 13,797
Schwab Dow Jones US Div Eq ETF ETF 808524797 15,915 222,177 SH   SOLE   0 0 222,177
Schwab Dow Jones US Large Cap ETF ETF 808524201 16,018 358,661 SH   SOLE   0 0 358,661
Schwab Dow Jones US Large Growth ETF ETF 808524300 6,606 113,925 SH   SOLE   0 0 113,925
Schwab Dow Jones US Large Value ETF ETF 808524409 7,457 119,459 SH   SOLE   0 0 119,459
Schwab Dow Jones US Mid-Cap ETF ETF 808524508 5,321 84,823 SH   SOLE   0 0 84,823
Schwab Dow Jones US Sm-Cap ETF ETF 808524607 4,028 103,304 SH   SOLE   0 0 103,304
Schwab FTSE Developed ex-US ETF ETF 808524805 3,559 113,174 SH   SOLE   0 0 113,174
Schwab FTSE Emerging Mkt ETF ETF 808524706 272 10,726 SH   SOLE   0 0 10,726
Schwab US AGG Bnd ETF ETF 808524839 2,179 45,522 SH   SOLE   0 0 45,522
Schwab US TIPS ETF ETF 808524870 305 5,471 SH   SOLE   0 0 5,471
Sector Spdr Engy Select ETF 81369Y506 271 3,789 SH   SOLE   0 0 3,789
Service Now Inc COM 81762P102 211 444 SH   SOLE   0 0 444
SPDR Blmbrg Brcly 1-10 Yr TIP ETF 78468R861 1,547 79,496 SH   SOLE   0 0 79,496
SPDR Doubleline Ttl Rtrn ETF 78467V848 519 12,311 SH   SOLE   0 0 12,311
SPDR Gold Shares ETF 78463V107 2,790 16,560 SH   SOLE   0 0 16,560
SPDR MSCI Acwi Ex-US ETF 78463X848 893 37,534 SH   SOLE   0 0 37,534
SPDR S&P 500 ETF ETF 78462F103 1,739 4,609 SH   SOLE   0 0 4,609
SPDR S&P Biotech ETF ETF 78464A870 1,049 14,122 SH   SOLE   0 0 14,122
SPDR S&P Dividend ETF ETF 78464A763 3,470 29,236 SH   SOLE   0 0 29,236
SPDR Technology Select Sector ETF 81369Y803 736 5,793 SH   SOLE   0 0 5,793
Stanley Works COM 854502101 383 3,648 SH   SOLE   0 0 3,648
State Street Boston Corp COM 857477103 370 6,007 SH   SOLE   0 0 6,007
Sysco Inc COM 871829107 276 3,254 SH   SOLE   0 0 3,254
Target Corp COM 87612E106 233 1,648 SH   SOLE   0 0 1,648
Thermo Fisher Scientific COM 883556102 1,437 2,645 SH   SOLE   0 0 2,645
TJX Cos Inc COM 872540109 397 7,114 SH   SOLE   0 0 7,114
Truist Finl Corp COM 89832Q109 1,528 32,224 SH   SOLE   0 0 32,224
Tyson Foods Inc COM 902494103 683 7,940 SH   SOLE   0 0 7,940
Unilever Plc Adr New ADR 904767704 202 4,400 SH   SOLE   0 0 4,400
Union Pacific Corp COM 907818108 2,011 9,430 SH   SOLE   0 0 9,430
UPS Inc COM 911312106 561 3,073 SH   SOLE   0 0 3,073
Vanguard Consumer Staples ETF ETF 92204A207 690 3,721 SH   SOLE   0 0 3,721
Vanguard Div Appreciation ETF ETF 921908844 1,167 8,136 SH   SOLE   0 0 8,136
Vanguard FTSE All-World ex-USA ETF ETF 922042775 2,058 41,195 SH   SOLE   0 0 41,195
Vanguard Growth ETF ETF 922908736 1,545 6,933 SH   SOLE   0 0 6,933
Vanguard Mid Cap Value ETF ETF 922908512 327 2,525 SH   SOLE   0 0 2,525
Vanguard Mid-Cap ETF ETF 922908629 1,048 5,323 SH   SOLE   0 0 5,323
Vanguard REIT ETF 922908553 2,049 22,485 SH   SOLE   0 0 22,485
Vanguard S&P 500 ETF ETF 922908363 2,692 7,759 SH   SOLE   0 0 7,759
Vanguard Short-Term Bond ETF ETF 921937827 315 4,105 SH   SOLE   0 0 4,105
Vanguard Sht-Term Infl Prot Sec ETF ETF 922020805 417 8,322 SH   SOLE   0 0 8,322
Vanguard Small Cap ETF ETF 922908751 235 1,334 SH   SOLE   0 0 1,334
Vanguard Small-Cap Value ETF ETF 922908611 1,259 8,405 SH   SOLE   0 0 8,405
Vanguard Value ETF ETF 922908744 2,029 15,386 SH   SOLE   0 0 15,386
Verizon Communications COM 92343V104 2,594 51,118 SH   SOLE   0 0 51,118
Vertex Pharmaceuticals COM 92532F100 254 903 SH   SOLE   0 0 903
Visa, Inc. COM 92826C839 1,161 5,899 SH   SOLE   0 0 5,899
Wal-Mart Stores COM 931142103 512 4,209 SH   SOLE   0 0 4,209
Wells Fargo & Co 7.50pcnt Pfd PFD 949746804 319 262 SH   SOLE   0 0 262
Western Asset Muni Hi Income ETF 95766N103 310 47,113 SH   SOLE   0 0 47,113