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
Abbott Labs COM 002824100   540,167 5,577 SH   SOLE   5,577 0 0
Alphabet, Inc. Cl A COM 02079K305   7,733,695 59,099 SH   SOLE   59,099 0 0
Alphabet, Inc. Cl C COM 02079K107   2,103,799 15,956 SH   SOLE   15,956 0 0
Altria Group Inc COM 02209S103   262,981 6,254 SH   SOLE   6,254 0 0
Amazon.com COM 023135106   3,033,592 23,864 SH   SOLE   23,864 0 0
American Tower Corp COM 03027X100   350,114 2,129 SH   SOLE   2,129 0 0
Amgen Inc COM 031162100   2,546,176 9,474 SH   SOLE   9,474 0 0
AON Corp ADR G0403H108   412,084 1,271 SH   SOLE   1,271 0 0
Apple, Inc COM 037833100   11,145,501 65,098 SH   SOLE   65,098 0 0
Applied Finance Valuation Lg Cap ETF ETF 26923N405   11,967,565 446,384 SH   SOLE   446,384 0 0
Applied Materials COM 038222105   443,594 3,204 SH   SOLE   3,204 0 0
Automatic Data Processing COM 053015103   1,141,312 4,744 SH   SOLE   4,744 0 0
Bank Of America COM 060505104   1,513,071 55,262 SH   SOLE   55,262 0 0
Becton Dickinson COM 075887109   252,067 975 SH   SOLE   975 0 0
Berkshire Hathaway B COM 084670702   2,212,495 6,316 SH   SOLE   6,316 0 0
Blackstone Group Lp COM 09260D107   896,620 8,369 SH   SOLE   8,369 0 0
Bristol Myers Squibb COM 110122108   1,183,318 20,388 SH   SOLE   20,388 0 0
Broadcom Limited COM 11135F101   2,686,067 3,234 SH   SOLE   3,234 0 0
Carrier Global Corp COM 14448C104   259,219 4,696 SH   SOLE   4,696 0 0
Chase Corp COM 16150R104   365,786 2,875 SH   SOLE   2,875 0 0
ChevronTexaco Corp COM 166764100   2,564,156 15,207 SH   SOLE   15,207 0 0
Cigna COM 125523100   246,306 861 SH   SOLE   861 0 0
Cisco Systems COM 17275R102   1,995,869 37,126 SH   SOLE   37,126 0 0
Citizens Financial Group COM 174610105   601,780 22,454 SH   SOLE   22,454 0 0
Coca Cola COM 191216100   638,454 11,405 SH   SOLE   11,405 0 0
Commercial Metals Co COM 201723103   710,007 14,370 SH   SOLE   14,370 0 0
Conoco Phillips COM 20825C104   407,919 3,405 SH   SOLE   3,405 0 0
Constellation Brands COM 21036P108   450,237 1,791 SH   SOLE   1,791 0 0
Costco Whsl Corp COM 22160K105   325,795 577 SH   SOLE   577 0 0
CVS Health Corporation COM 126650100   1,526,780 21,867 SH   SOLE   21,867 0 0
Danaher Corp COM 235851102   1,439,972 5,804 SH   SOLE   5,804 0 0
Diageo Plc ADR 25243Q205   246,296 1,651 SH   SOLE   1,651 0 0
Dimensional Emerg Core Equity Mkt ETF ETF 25434V302   5,672,870 251,346 SH   SOLE   251,346 0 0
Dimensional International Core Equity Mkt ETF ETF 25434V203   902,770 34,576 SH   SOLE   34,576 0 0
Disney Walt Co COM 254687106   715,306 8,825 SH   SOLE   8,825 0 0
Dominion Res Inc Va COM 25746U109   283,707 6,351 SH   SOLE   6,351 0 0
Du Pont E I De Nemours ADR 26614N102   252,860 3,390 SH   SOLE   3,390 0 0
Duke Energy COM 26441C204   258,690 2,931 SH   SOLE   2,931 0 0
Emerson Electric COM 291011104   1,148,121 11,889 SH   SOLE   11,889 0 0
ETFS Phys. Swiss Gold Shares ETF 00326A104   8,772,347 495,893 SH   SOLE   495,893 0 0
Exxon-Mobil COM 30231G102   1,682,225 14,307 SH   SOLE   14,307 0 0
First Trust Preferred Sec & Inc ETF ETF 33739E108   5,369,102 336,199 SH   SOLE   336,199 0 0
First Trust TCWOpportunistic Fxd Inc ETF ETF 33740F805   5,634,150 133,971 SH   SOLE   133,971 0 0
Fiserv Inc COM 337738108   1,267,750 11,223 SH   SOLE   11,223 0 0
General Electric COM 369604301   335,298 3,033 SH   SOLE   3,033 0 0
Global Payments, Inc. COM 37940X102   492,330 4,267 SH   SOLE   4,267 0 0
Goldman Sachs ActiveBeta Intl Eq ETF ETF 381430107   4,065,513 135,382 SH   SOLE   135,382 0 0
Goldman Sachs Group COM 38141G104   301,335 931 SH   SOLE   931 0 0
HACK- ETFMG Prime Cyber Security ETF ETF 26924G201   256,242 4,966 SH   SOLE   4,966 0 0
Hewlett Packard COM 40434L105   233,107 9,070 SH   SOLE   9,070 0 0
Home Depot COM 437076102   1,205,307 3,989 SH   SOLE   3,989 0 0
Illinois Tool Works COM 452308109   813,685 3,533 SH   SOLE   3,533 0 0
Intel Corp COM 458140100   488,296 13,735 SH   SOLE   13,735 0 0
International Business Machines COM 459200101   1,436,012 10,235 SH   SOLE   10,235 0 0
Intuit Inc. COM 461202103   306,564 600 SH   SOLE   600 0 0
Invesco Biotech & Genomics ETF ETF 46137V787   638,014 11,186 SH   SOLE   11,186 0 0
Invesco S&P 500 Low Volatility ETF ETF 46138E354   236,827 4,028 SH   SOLE   4,028 0 0
iShare Core MSCI Emerging Markets ETF 46434G103   2,689,645 56,517 SH   SOLE   56,517 0 0
iShares 20 Year Treasury Bd ETF ETF 464287432   295,604 3,333 SH   SOLE   3,333 0 0
iShares iBonds Dec 2023 Corp Bd ETF ETF 46434VAX8   908,408 35,821 SH   SOLE   35,821 0 0
iShares iBonds Dec 2023 Muni Bd ETF ETF 46435G318   1,270,762 49,785 SH   SOLE   49,785 0 0
iShares iBonds Dec 2024 Corp Bd ETF ETF 46434VBG4   2,716,049 109,828 SH   SOLE   109,828 0 0
iShares iBonds Dec 2024 ETF ETF 46436E874   338,419 14,195 SH   SOLE   14,195 0 0
iShares iBonds Dec 2024 Muni Bd ETF ETF 46435U697   3,819,775 148,687 SH   SOLE   148,687 0 0
iShares iBonds Dec 2025 Corp Bd ETF ETF 46434VBD1   1,107,447 45,443 SH   SOLE   45,443 0 0
iShares iBonds Dec 2025 Muni Bd ETF ETF 46435U432   3,623,985 138,956 SH   SOLE   138,956 0 0
iShares iBonds Dec 2026 Corp Bd ETF ETF 46435GAA0   280,930 12,039 SH   SOLE   12,039 0 0
iShares iBonds Dec 2026 Muni Bd ETF ETF 46435U259   2,739,043 110,401 SH   SOLE   110,401 0 0
iShares iBonds Dec 2027 Muni Bd ETF ETF 46435U283   828,085 33,827 SH   SOLE   33,827 0 0
iShares iBonds Dec 2028 Muni Bd ETF ETF 46435U325   244,198 10,004 SH   SOLE   10,004 0 0
iShares MSCI USA Momentum ETF 46432F396   207,989 1,489 SH   SOLE   1,489 0 0
iShares Russell 2000 Index Fund ETF ETF 464287655   225,344 1,275 SH   SOLE   1,275 0 0
iShares S&P 500 Barra Gr. Fd. ETF 464287309   428,857 6,268 SH   SOLE   6,268 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507   3,056,635 12,258 SH   SOLE   12,258 0 0
iShares S&P Smallcap 600 Index ETF ETF 464287804   2,500,466 26,508 SH   SOLE   26,508 0 0
J P Morgan Chase & Co COM 46625H100   3,493,398 24,089 SH   SOLE   24,089 0 0
J.P. Morgan Municipal ETF ETF 46641Q647   1,036,946 21,438 SH   SOLE   21,438 0 0
JH/DFA Small Cap Multifactor ETF ETF 47804J842   1,321,561 41,081 SH   SOLE   41,081 0 0
Johnson & Johnson COM 478160104   3,934,086 25,259 SH   SOLE   25,259 0 0
Kinder Morgan Inc COM 49456B101   207,723 12,529 SH   SOLE   12,529 0 0
KLA Tencor Corp COM 482480100   583,473 1,272 SH   SOLE   1,272 0 0
Kulicke & Soffa Inds COM 501242101   213,243 4,385 SH   SOLE   4,385 0 0
L3Harris Technologies Inc COM 502431109   1,504,335 8,640 SH   SOLE   8,640 0 0
Lilly Eli & Co COM 532457108   741,239 1,380 SH   SOLE   1,380 0 0
Lockheed Martin Corp COM 539830109   524,003 1,281 SH   SOLE   1,281 0 0
Lowes Companies COM 548661107   2,530,386 12,175 SH   SOLE   12,175 0 0
Mastercard Inc COM 57636Q104   987,282 2,494 SH   SOLE   2,494 0 0
McDonalds Corp COM 580135101   1,535,678 5,829 SH   SOLE   5,829 0 0
Medtronic plc ADR G5960L103   1,659,586 21,179 SH   SOLE   21,179 0 0
Merck & Co Inc COM 58933Y105   5,159,988 50,121 SH   SOLE   50,121 0 0
Meta Platforms Cl A COM 30303M102   1,040,528 3,466 SH   SOLE   3,466 0 0
Microsoft Corp COM 594918104   9,383,427 29,718 SH   SOLE   29,718 0 0
Mondelez Intl Inc Cl A COM 609207105   870,484 12,543 SH   SOLE   12,543 0 0
MPLX LP COM 55336V100   295,231 8,300 SH   SOLE   8,300 0 0
NextEra Energy Inc. COM 65339F101   717,388 12,522 SH   SOLE   12,522 0 0
Nike Inc Class B COM 654106103   636,081 6,652 SH   SOLE   6,652 0 0
Northrop Grumman Corp COM 666807102   245,626 558 SH   SOLE   558 0 0
Novartis A G ADR 66987V109   376,780 3,699 SH   SOLE   3,699 0 0
Nvidia Corp COM 67066G104   3,106,117 7,141 SH   SOLE   7,141 0 0
Oracle Systems COM 68389X105   709,134 6,695 SH   SOLE   6,695 0 0
Palo Alto Networks Inc COM 697435105   1,601,694 6,832 SH   SOLE   6,832 0 0
Paypal Holdings, Inc. COM 70450Y103   257,926 4,412 SH   SOLE   4,412 0 0
Pepsico COM 713448108   2,772,089 16,360 SH   SOLE   16,360 0 0
Pfizer Inc COM 717081103   1,039,091 31,326 SH   SOLE   31,326 0 0
Philip Morris Intl Inc COM 718172109   317,272 3,427 SH   SOLE   3,427 0 0
Pimco Intermediate Muni ETF ETF 72201R866   521,280 10,411 SH   SOLE   10,411 0 0
PPG Inds Inc COM 693506107   249,216 1,920 SH   SOLE   1,920 0 0
Procter & Gamble Inc COM 742718109   2,998,540 20,558 SH   SOLE   20,558 0 0
Proshares S&P 500 Div Aristocrats ETF 74348A467   6,769,847 76,452 SH   SOLE   76,452 0 0
Public Svc Enterprise COM 744573106   370,169 6,504 SH   SOLE   6,504 0 0
Qualcomm Corp COM 747525103   870,373 7,837 SH   SOLE   7,837 0 0
Quanta Services Inc COM 74762E102   2,206,523 11,795 SH   SOLE   11,795 0 0
Regeneron Pharm COM 75886F107   405,719 493 SH   SOLE   493 0 0
Roper Technologies, Inc COM 776696106   825,226 1,704 SH   SOLE   1,704 0 0
RTX Corp. COM 75513E101   1,265,057 17,578 SH   SOLE   17,578 0 0
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107   356,636 781 SH   SOLE   781 0 0
Salesforce Com COM 79466L302   786,786 3,880 SH   SOLE   3,880 0 0
Sch Fundamental US Large Co ETF ETF 808524771   341,077 6,094 SH   SOLE   6,094 0 0
Schwab Dow Jones US Broad Mkt ETF ETF 808524102   915,530 18,366 SH   SOLE   18,366 0 0
Schwab Dow Jones US Div Eq ETF ETF 808524797   16,020,421 226,405 SH   SOLE   226,405 0 0
Schwab Dow Jones US Large Cap ETF ETF 808524201   22,358,365 441,865 SH   SOLE   441,865 0 0
Schwab Dow Jones US Large Growth ETF ETF 808524300   5,534,444 76,106 SH   SOLE   76,106 0 0
Schwab Dow Jones US Large Value ETF ETF 808524409   4,908,265 76,144 SH   SOLE   76,144 0 0
Schwab Dow Jones US Mid-Cap ETF ETF 808524508   5,868,917 86,716 SH   SOLE   86,716 0 0
Schwab Dow Jones US Sm-Cap ETF ETF 808524607   3,652,988 88,194 SH   SOLE   88,194 0 0
Schwab FTSE Developed ex-US ETF ETF 808524805   4,778,065 140,697 SH   SOLE   140,697 0 0
Schwab US AGG Bnd ETF ETF 808524839   636,109 14,382 SH   SOLE   14,382 0 0
Sector Spdr Engy Select ETF 81369Y506   348,002 3,850 SH   SOLE   3,850 0 0
SPDR Doubleline Ttl Rtrn ETF 78467V848   406,243 10,511 SH   SOLE   10,511 0 0
SPDR Gold Shares ETF 78463V107   2,193,531 12,794 SH   SOLE   12,794 0 0
SPDR MSCI Acwi Ex-US ETF 78463X848   805,117 32,347 SH   SOLE   32,347 0 0
SPDR S&P 500 ETF ETF 78462F103   2,041,840 4,776 SH   SOLE   4,776 0 0
SPDR S&P Biotech ETF ETF 78464A870   841,346 11,522 SH   SOLE   11,522 0 0
SPDR S&P Dividend ETF ETF 78464A763   3,101,947 26,971 SH   SOLE   26,971 0 0
SPDR Technology Select Sector ETF 81369Y803   914,157 5,577 SH   SOLE   5,577 0 0
State Street Boston Corp COM 857477103   401,961 6,003 SH   SOLE   6,003 0 0
Sysco Inc COM 871829107   202,707 3,069 SH   SOLE   3,069 0 0
Tesla Motors Inc COM 88160R101   226,699 906 SH   SOLE   906 0 0
Thermo Fisher Scientific COM 883556102   1,296,301 2,561 SH   SOLE   2,561 0 0
TJX Cos Inc COM 872540109   545,990 6,143 SH   SOLE   6,143 0 0
Tyson Foods Inc COM 902494103   425,403 8,426 SH   SOLE   8,426 0 0
Unilever Plc Adr New ADR 904767704   222,300 4,500 SH   SOLE   4,500 0 0
Union Pacific Corp COM 907818108   1,906,909 9,365 SH   SOLE   9,365 0 0
UPS Inc COM 911312106   441,482 2,832 SH   SOLE   2,832 0 0
Valero Energy Corp. COM 91913Y100   210,228 1,484 SH   SOLE   1,484 0 0
Vanguard Consumer Staples ETF ETF 92204A207   679,715 3,721 SH   SOLE   3,721 0 0
Vanguard Div Appreciation ETF ETF 921908844   835,792 5,379 SH   SOLE   5,379 0 0
Vanguard FTSE All-World ex-USA ETF ETF 922042775   2,960,285 57,071 SH   SOLE   57,071 0 0
Vanguard Growth ETF ETF 922908736   1,535,022 5,637 SH   SOLE   5,637 0 0
Vanguard Mid Cap Value ETF ETF 922908512   336,826 2,572 SH   SOLE   2,572 0 0
Vanguard Mid-Cap ETF ETF 922908629   1,524,277 7,320 SH   SOLE   7,320 0 0
Vanguard REIT ETF 922908553   1,435,427 18,972 SH   SOLE   18,972 0 0
Vanguard S&P 500 ETF ETF 922908363   4,352,614 11,084 SH   SOLE   11,084 0 0
Vanguard Small Cap ETF ETF 922908751   256,456 1,356 SH   SOLE   1,356 0 0
Vanguard Small-Cap Value ETF ETF 922908611   1,260,908 7,906 SH   SOLE   7,906 0 0
Vanguard Tax-Exempt Bond ETF ETF 922907746   3,682,167 76,552 SH   SOLE   76,552 0 0
Vanguard Total International Stock ETF 921909768   273,183 5,104 SH   SOLE   5,104 0 0
Vanguard Value ETF ETF 922908744   1,584,606 11,488 SH   SOLE   11,488 0 0
Verizon Communications COM 92343V104   1,126,935 34,771 SH   SOLE   34,771 0 0
Vertex Pharmaceuticals COM 92532F100   265,326 763 SH   SOLE   763 0 0
Visa, Inc. COM 92826C839   1,183,861 5,147 SH   SOLE   5,147 0 0
Wal-Mart Stores COM 931142103   672,026 4,202 SH   SOLE   4,202 0 0
Wells Fargo Co 7.50 Pfd PFD 949746804   307,441 276 SH   SOLE   276 0 0
Wynn Resorts COM 983134107   208,385 2,255 SH   SOLE   2,255 0 0