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 220 1,988 SH   SOLE   0 0 1,988
Abbott Labs COM 002824100 582 6,012 SH   SOLE   0 0 6,012
AbbVie Inc COM 00287Y109 577 4,301 SH   SOLE   0 0 4,301
Allstate Corp COM 020002101 546 4,383 SH   SOLE   0 0 4,383
Alphabet, Inc. Cl A COM 02079K305 6,130 64,090 SH   SOLE   0 0 64,090
Alphabet, Inc. Cl C COM 02079K107 1,666 17,330 SH   SOLE   0 0 17,330
Altria Group Inc COM 02209S103 308 7,635 SH   SOLE   0 0 7,635
Amazon.com COM 023135106 2,467 21,835 SH   SOLE   0 0 21,835
American Tower Corp COM 03027X100 467 2,176 SH   SOLE   0 0 2,176
Amgen Inc COM 031162100 2,242 9,947 SH   SOLE   0 0 9,947
AON Corp COM G0403H108 365,910 1,366 SH   SOLE   0 0 1,366
Apple, Inc COM 037833100 9,875 71,453 SH   SOLE   0 0 71,453
Applied Finance Valuation Lg Cap ETF ETF 26923N405 5,379 247,453 SH   SOLE   0 0 247,453
Applied Materials COM 038222105 263 3,213 SH   SOLE   0 0 3,213
Aptose Biosciences COM 03835T200 11 18,915 SH   SOLE   0 0 18,915
Ashford Hospitality Trust Inc COM 044103869 111 16,332 SH   SOLE   0 0 16,332
Automatic Data Processing COM 053015103 1,107 4,894 SH   SOLE   0 0 4,894
Bank Of America COM 060505104 1,728 57,228 SH   SOLE   0 0 57,228
Beauty Health Company CL A ORD COM 88331L108 320 27,144 SH   SOLE   0 0 27,144
Becton Dickinson COM 075887109 216 968 SH   SOLE   0 0 968
Berkshire Hathaway B COM 084670702 1,710 6,404 SH   SOLE   0 0 6,404
Blackstone Group Lp COM 09260D107 747 8,927 SH   SOLE   0 0 8,927
Bristol Myers Squibb COM 110122108 1,483 20,856 SH   SOLE   0 0 20,856
Broadcom Limited COM 11135F101 1,444 3,252 SH   SOLE   0 0 3,252
Chase Corp COM 16150R104 298 3,570 SH   SOLE   0 0 3,570
ChevronTexaco Corp COM 166764100 2,155 15,001 SH   SOLE   0 0 15,001
Cigna COM 125523100 246 887 SH   SOLE   0 0 887
Cisco Systems COM 17275R102 1,509 37,721 SH   SOLE   0 0 37,721
Citizens Financial Group COM 174610105 404 11,759 SH   SOLE   0 0 11,759
Clearside Biomedical Inc COM 185063104 31 27,023 SH   SOLE   0 0 27,023
Coca Cola COM 191216100 638 11,397 SH   SOLE   0 0 11,397
Commercial Metals Co COM 201723103 590 16,643 SH   SOLE   0 0 16,643
Conoco Phillips COM 20825C104 388 3,405 SH   SOLE   0 0 3,405
Constellation Brands COM 21036P108 476 2,074 SH   SOLE   0 0 2,074
Corteva Inc COM 22052L104 251 4,397 SH   SOLE   0 0 4,397
Costco Whsl Corp COM 22160K105 267 565 SH   SOLE   0 0 565
CVS Health Corporation COM 126650100 2,416 25,334 SH   SOLE   0 0 25,334
Danaher Corp COM 235851102 1,648 6,382 SH   SOLE   0 0 6,382
DFA Emerging Mkt Core Equity ETF ETF 25434V302 3,267 162,618 SH   SOLE   0 0 162,618
Diageo Plc COM 25243Q205 280 1,651 SH   SOLE   0 0 1,651
Disney Walt Co COM 254687106 1,429 15,144 SH   SOLE   0 0 15,144
Document Security Systems Inc COM 26253C102 4 15,523 SH   SOLE   0 0 15,523
Dominion Res Inc Va COM 25746U109 441 6,386 SH   SOLE   0 0 6,386
Dow Chemical COM 260557103 226 5,149 SH   SOLE   0 0 5,149
Du Pont E I De Nemours COM 26614N102 254 5,038 SH   SOLE   0 0 5,038
Duke Energy COM 26441C204 273 2,931 SH   SOLE   0 0 2,931
Emerson Electric COM 291011104 972 13,279 SH   SOLE   0 0 13,279
ETFS Phys. Swiss Gold Shares ETF 00326A104 8,718 547,631 SH   SOLE   0 0 547,631
Eversource Energy COM 30040W108 201 2,582 SH   SOLE   0 0 2,582
Exxon-Mobil COM 30231G102 1,680 19,236 SH   SOLE   0 0 19,236
First Trust Preferred Sec & Inc ETF ETF 33739E108 4,066 243,444 SH   SOLE   0 0 243,444
First Trust Senior Loan ETF ETF 33738D309 597 13,550 SH   SOLE   0 0 13,550
First Trust TCWOpportunistic Fxd Inc ETF ETF 33740F805 1,999 45,919 SH   SOLE   0 0 45,919
Fiserv Inc. COM 337738108 1,130 12,077 SH   SOLE   0 0 12,077
General Electric COM 369604301 246 3,970 SH   SOLE   0 0 3,970
Global Payments, Inc. COM 37940X102 874 8,091 SH   SOLE   0 0 8,091
Goldman Sachs ActiveBeta Intl Eq ETF ETF 381430107 3,319 134,093 SH   SOLE   0 0 134,093
Goldman Sachs Group COM 38141G104 315 1,076 SH   SOLE   0 0 1,076
HACK- PureFunds ISE Cyber Security ETF ETF 26924G201 220 5,075 SH   SOLE   0 0 5,075
Hartford MultiFactor Developed Mkts ETF 518416102 216 9,955 SH   SOLE   0 0 9,955
Hewlett Packard COM 40434L105 217 8,691 SH   SOLE   0 0 8,691
Home Depot COM 437076102 1,173 4,249 SH   SOLE   0 0 4,249
Illinois Tool Works COM 452308109 664 3,674 SH   SOLE   0 0 3,674
Independent Bank Corp Ma COM 453836108 346 4,637 SH   SOLE   0 0 4,637
Intel Corp COM 458140100 558 21,637 SH   SOLE   0 0 21,637
International Business Machines COM 459200101 1,230 10,348 SH   SOLE   0 0 10,348
Intuit Inc. COM 461202103 234 603 SH   SOLE   0 0 603
Invesco Biotech & Genomics ETF ETF 46137V787 778 13,201 SH   SOLE   0 0 13,201
iShares Floating Rate Bond ETF ETF 46429B655 328 6,534 SH   SOLE   0 0 6,534
iShares iBonds Dec 2023 Corp Bd ETF ETF 46434VAX8 2,843 113,946 SH   SOLE   0 0 113,946
iShares iBonds Dec 2023 ETF ETF 46436E882 360 14,525 SH   SOLE   0 0 14,525
iShares iBonds Dec 2023 Muni Bd ETF ETF 46435G318 3,147 124,683 SH   SOLE   0 0 124,683
iShares iBonds Dec 2024 Corp Bd ETF ETF 46434VBG4 2,788 114,504 SH   SOLE   0 0 114,504
iShares iBonds Dec 2024 ETF ETF 46436E874 340 14,189 SH   SOLE   0 0 14,189
iShares iBonds Dec 2024 Muni Bd ETF ETF 46435U697 3,745 146,849 SH   SOLE   0 0 146,849
iShares iBonds Dec 2025 Corp Bd ETF ETF 46434VBD1 1,034 42,851 SH   SOLE   0 0 42,851
iShares iBonds Dec 2025 Muni Bd ETF ETF 46435U432 3,125 120,571 SH   SOLE   0 0 120,571
iShares iBonds Dec 2026 Corp Bd ETF ETF 46435GAA0 254 10,977 SH   SOLE   0 0 10,977
iShares iBonds Dec 2026 Muni Bd ETF ETF 46435U259 1,872 75,996 SH   SOLE   0 0 75,996
iShares MSCI USA Momentum ETF 46432F396 214 1,629 SH   SOLE   0 0 1,629
iShares Russell 2000 Index Fund ETF ETF 464287655 210 1,275 SH   SOLE   0 0 1,275
iShares S&P 500 Barra Gr. Fd. ETF 464287309 414 7,159 SH   SOLE   0 0 7,159
iShares S&P 500 Value ETF ETF 464287408 441 3,435 SH   SOLE   0 0 3,435
iShares S&P Midcap 400 Index ETF ETF 464287507 2,843 12,966 SH   SOLE   0 0 12,966
iShares S&P Smallcap 600 Index ETF ETF 464287804 2,689 30,846 SH   SOLE   0 0 30,846
J P Morgan Chase & Co COM 46625H100 2,587 24,758 SH   SOLE   0 0 24,758
JH/DFA Small Cap Multifactor ETF ETF 47804J842 1,238 44,080 SH   SOLE   0 0 44,080
Johnson & Johnson COM 478160104 4,794 29,343 SH   SOLE   0 0 29,343
Kinder Morgan Inc COM 49456B101 221 13,272 SH   SOLE   0 0 13,272
KLA Tencor Corp COM 482480100 396 1,308 SH   SOLE   0 0 1,308
Kulicke & Soffa Inds COM 501242101 486 12,617 SH   SOLE   0 0 12,617
L3Harris Technologies Inc COM 502431109 1,877 9,033 SH   SOLE   0 0 9,033
Lilly Eli & Co COM 532457108 464 1,435 SH   SOLE   0 0 1,435
Lockheed Martin Corp COM 539830109 575 1,489 SH   SOLE   0 0 1,489
Lowes Companies COM 548661107 2,690 14,325 SH   SOLE   0 0 14,325
Mastercard Inc COM 57636Q104 720 2,531 SH   SOLE   0 0 2,531
McDonalds Corp COM 580135101 1,376 5,961 SH   SOLE   0 0 5,961
Medicenna Therapeutics Corp COM 58490H107 11 12,915 SH   SOLE   0 0 12,915
Medtronic plc ADR G5960L103 1,907 23,611 SH   SOLE   0 0 23,611
Merck & Co Inc COM 58933Y105 4,624 53,687 SH   SOLE   0 0 53,687
Meta Platforms Cl A COM 30303M102 544 4,006 SH   SOLE   0 0 4,006
Microsoft Corp COM 594918104 7,456 32,016 SH   SOLE   0 0 32,016
MIRION TECHNOLOG COM 60471A119 15 10,023 SH   SOLE   0 0 10,023
Mondelez Intl Inc Cl A COM 609207105 732 13,356 SH   SOLE   0 0 13,356
MPLX LP COM 55336V100 240 8,000 SH   SOLE   0 0 8,000
NextEra Energy Inc. COM 65339F101 945 12,048 SH   SOLE   0 0 12,048
Nike Inc Class B COM 654106103 612 7,358 SH   SOLE   0 0 7,358
Northrop Grumman Corp COM 666807102 263 560 SH   SOLE   0 0 560
Novartis A G COM 66987V109 281 3,699 SH   SOLE   0 0 3,699
Nuveen Inter Dur Qlty Muni ETF 670677103 291 24,360 SH   SOLE   0 0 24,360
Nvidia Corp COM 67066G104 1,041 8,574 SH   SOLE   0 0 8,574
Oncolytics Biotech COM 682310875 16 12,915 SH   SOLE   0 0 12,915
Oracle Systems COM 68389X105 416 6,811 SH   SOLE   0 0 6,811
Oragenics Inc COM 684023302 2 10,468 SH   SOLE   0 0 10,468
Osisko Gold Royaltie COM 68827L101 108 10,639 SH   SOLE   0 0 10,639
Ovid Therapeutics Inc COM 690469101 29 15,522 SH   SOLE   0 0 15,522
Palo Alto Networks Inc COM 697435105 1,112 6,789 SH   SOLE   0 0 6,789
Paychex Inc COM 704326107 252 2,246 SH   SOLE   0 0 2,246
Paypal Holdings, Inc. COM 70450Y103 454 5,278 SH   SOLE   0 0 5,278
Pepsico COM 713448108 2,838 17,385 SH   SOLE   0 0 17,385
Pfizer Inc COM 717081103 1,467 33,516 SH   SOLE   0 0 33,516
Philip Morris Intl Inc COM 718172109 316 3,808 SH   SOLE   0 0 3,808
Pimco Intermediate Muni ETF ETF 72201R866 509 10,157 SH   SOLE   0 0 10,157
PPG Inds Inc COM 693506107 213 1,928 SH   SOLE   0 0 1,928
Procter & Gamble Inc COM 742718109 2,668 21,133 SH   SOLE   0 0 21,133
Proshares S&P 500 Div Aristocrats ETF 74348A467 6,239 78,027 SH   SOLE   0 0 78,027
Public Svc Enterprise COM 744573106 438 7,788 SH   SOLE   0 0 7,788
Qualcomm Corp COM 747525103 799 7,076 SH   SOLE   0 0 7,076
Quanta Services Inc COM 74762E102 1,872 14,695 SH   SOLE   0 0 14,695
Raytheon Technologies Co COM 75513E101 1,282 15,664 SH   SOLE   0 0 15,664
Real Estate Sector SPDR ETF 81369Y860 3,398 94,366 SH   SOLE   0 0 94,366
Regeneron Pharm COM 75886F107 468 680 SH   SOLE   0 0 680
Roper Technologies, Inc COM 776696106 633 1,759 SH   SOLE   0 0 1,759
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107 314 781 SH   SOLE   0 0 781
Salesforce Com COM 79466L302 619 4,304 SH   SOLE   0 0 4,304
Sch Fundamental US Large Co ETF ETF 808524771 323 6,761 SH   SOLE   0 0 6,761
Schwab Dow Jones US Broad Mkt ETF ETF 808524102 606 14,432 SH   SOLE   0 0 14,432
Schwab Dow Jones US Div Eq ETF ETF 808524797 15,179 228,495 SH   SOLE   0 0 228,495
Schwab Dow Jones US Large Cap ETF ETF 808524201 15,359 362,668 SH   SOLE   0 0 362,668
Schwab Dow Jones US Large Growth ETF ETF 808524300 5,831 104,486 SH   SOLE   0 0 104,486
Schwab Dow Jones US Large Value ETF ETF 808524409 6,702 114,540 SH   SOLE   0 0 114,540
Schwab Dow Jones US Mid-Cap ETF ETF 808524508 5,193 85,788 SH   SOLE   0 0 85,788
Schwab Dow Jones US Sm-Cap ETF ETF 808524607 3,964 104,876 SH   SOLE   0 0 104,876
Schwab FTSE Developed ex-US ETF ETF 808524805 3,239 115,145 SH   SOLE   0 0 115,145
Schwab US AGG Bnd ETF ETF 808524839 1,088 24,009 SH   SOLE   0 0 24,009
Schwab US TIPS ETF ETF 808524870 286 5,522 SH   SOLE   0 0 5,522
Sector Spdr Engy Select ETF 81369Y506 286 3,977 SH   SOLE   0 0 3,977
Solid Biosciences Inc COM 83422E105 7 15,023 SH   SOLE   0 0 15,023
SPDR Blmbrg Brcly 1-10 Yr TIP ETF 78468R861 1,304 71,591 SH   SOLE   0 0 71,591
SPDR Doubleline Ttl Rtrn ETF 78467V848 406 10,093 SH   SOLE   0 0 10,093
SPDR Gold Shares ETF 78463V107 2,564 16,576 SH   SOLE   0 0 16,576
SPDR MSCI Acwi Ex-US ETF 78463X848 860 40,526 SH   SOLE   0 0 40,526
SPDR S&P 500 ETF ETF 78462F103 1,701 4,762 SH   SOLE   0 0 4,762
SPDR S&P Biotech ETF ETF 78464A870 1,084 13,667 SH   SOLE   0 0 13,667
SPDR S&P Dividend ETF ETF 78464A763 3,269 29,316 SH   SOLE   0 0 29,316
SPDR Technology Select Sector ETF 81369Y803 700 5,893 SH   SOLE   0 0 5,893
State Street Boston Corp COM 857477103 365 6,000 SH   SOLE   0 0 6,000
Sysco Inc COM 871829107 230 3,254 SH   SOLE   0 0 3,254
Target Corp COM 87612E106 238 1,607 SH   SOLE   0 0 1,607
TCR2 Therapeutics Inc COM 87808K106 21 11,522 SH   SOLE   0 0 11,522
Tesla Motors Inc COM 88160R101 228 861 SH   SOLE   0 0 861
Thermo Fisher Scientific COM 883556102 1,342 2,645 SH   SOLE   0 0 2,645
TJX Cos Inc COM 872540109 442 7,114 SH   SOLE   0 0 7,114
Truist Finl Corp COM 89832Q109 1,468 33,721 SH   SOLE   0 0 33,721
Tyson Foods Inc COM 902494103 524 7,945 SH   SOLE   0 0 7,945
Union Pacific Corp COM 907818108 1,833 9,410 SH   SOLE   0 0 9,410
UPS Inc COM 911312106 508 3,146 SH   SOLE   0 0 3,146
Vanguard Consumer Staples ETF ETF 92204A207 639 3,721 SH   SOLE   0 0 3,721
Vanguard Div Appreciation ETF ETF 921908844 823 6,089 SH   SOLE   0 0 6,089
Vanguard FTSE All-World ex-USA ETF ETF 922042775 1,837 41,409 SH   SOLE   0 0 41,409
Vanguard Growth ETF ETF 922908736 1,464 6,843 SH   SOLE   0 0 6,843
Vanguard Mid Cap Value ETF ETF 922908512 309 2,534 SH   SOLE   0 0 2,534
Vanguard Mid-Cap ETF ETF 922908629 1,047 5,571 SH   SOLE   0 0 5,571
Vanguard REIT ETF 922908553 1,948 24,303 SH   SOLE   0 0 24,303
Vanguard S&P 500 ETF ETF 922908363 3,024 9,212 SH   SOLE   0 0 9,212
Vanguard Short-Term Bond ETF ETF 921937827 222 2,968 SH   SOLE   0 0 2,968
Vanguard Sht-Term Infl Prot Sec ETF ETF 922020805 402 8,365 SH   SOLE   0 0 8,365
Vanguard Small Cap ETF ETF 922908751 229 1,339 SH   SOLE   0 0 1,339
Vanguard Small-Cap Value ETF ETF 922908611 1,156 8,062 SH   SOLE   0 0 8,062
Vanguard Value ETF ETF 922908744 1,593 12,902 SH   SOLE   0 0 12,902
Verizon Communications COM 92343V104 1,831 48,228 SH   SOLE   0 0 48,228
Vertex Pharmaceuticals COM 92532F100 261 903 SH   SOLE   0 0 903
Visa, Inc. COM 92826C839 1,027 5,779 SH   SOLE   0 0 5,779
Wal-Mart Stores COM 931142103 564 4,349 SH   SOLE   0 0 4,349
Wells Fargo & Co 7.50pcnt Pfd PFD 949746804 319 265 SH   SOLE   0 0 265
Western Asset Muni Hi Income ETF 95766N103 295 47,532 SH   SOLE   0 0 47,532