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
22nd Centy Group Inc COM 90137F103 77 30,800 SH   SOLE NONE 0 0 30,800
3m Company COM 88579Y101 1,945 10,207 SH   SOLE NONE 0 0 10,207
A F L A C Inc COM 001055102 1,614 35,417 SH   SOLE NONE 0 0 35,417
A T & T Inc COM 00206R102 5,962 208,889 SH   SOLE NONE 0 0 208,889
Abbvie Inc COM 00287Y109 1,649 17,886 SH   SOLE NONE 0 0 17,886
Adams Express Co COM 006212104 315 24,938 SH   SOLE NONE 0 0 24,938
Aegon Nv Cap NY REGISTRY SHS 007924103 523 20,800 SH   SOLE NONE 0 0 20,800
Alibaba Group Hldg SPONSORED ADS 01609W102 983 7,169 SH   SOLE NONE 0 0 7,169
Alphabet Inc CAP STK CL C 02079K107 606 585 SH   SOLE NONE 0 0 585
Alphabet Inc CAP STK CL A 02079K305 5,304 5,076 SH   SOLE NONE 0 0 5,076
Altria Group Inc COM 02209S103 1,115 22,571 SH   SOLE NONE 0 0 22,571
Amazon Com Inc COM 023135106 8,633 5,748 SH   SOLE NONE 0 0 5,748
Amer Electric Pwr Co COM 025537101 314 4,204 SH   SOLE NONE 0 0 4,204
American Axle & Mfg COM 024061103 455 41,000 SH   SOLE NONE 0 0 41,000
American Express Co COM 025816109 641 6,726 SH   SOLE NONE 0 0 6,726
American Intl Group COM NEW 026874784 250 6,348 SH   SOLE NONE 0 0 6,348
Amgen Inc. COM 031162100 322 1,652 SH   SOLE NONE 0 0 1,652
Anthem Inc COM 036752103 962 3,663 SH   SOLE NONE 0 0 3,663
Apple Inc COM 037833100 10,162 64,420 SH   SOLE NONE 0 0 64,420
Ark Innovation Etf INNOVATION ETF 00214Q104 916 24,643 SH   SOLE NONE 0 0 24,643
Bank Of America 7.25%CNV PFD L 060505682 1,174 938 SH   SOLE NONE 0 0 938
Bank Of America Corp COM 060505104 2,783 112,936 SH   SOLE NONE 0 0 112,936
Bb&T Corporation COM 054937107 1,591 36,726 SH   SOLE NONE 0 0 36,726
Berkshire Hathaway CL B NEW 084670702 3,729 18,262 SH   SOLE NONE 0 0 18,262
Boeing Co COM 097023105 1,553 4,814 SH   SOLE NONE 0 0 4,814
Bridge Bancorp Inc COM 108035106 261 10,248 SH   SOLE NONE 0 0 10,248
Bristol-Myers Squibb COM 110122108 1,184 22,785 SH   SOLE NONE 0 0 22,785
Carnival Corp New UNIT 99/99/9999 143658300 1,417 28,741 SH   SOLE NONE 0 0 28,741
Charles Schwab Corp COM 808513105 306 7,359 SH   SOLE NONE 0 0 7,359
China Mobile Ltd SPONSORED ADR 16941M109 401 8,351 SH   SOLE NONE 0 0 8,351
Chubb Ltd COM H1467J104 257 1,988 SH   SOLE NONE 0 0 1,988
Cisco Systems Inc COM 17275R102 2,510 57,931 SH   SOLE NONE 0 0 57,931
Citigroup Inc COM NEW 172967424 1,911 36,700 SH   SOLE NONE 0 0 36,700
Coca Cola Company COM 191216100 644 13,603 SH   SOLE NONE 0 0 13,603
Cohen Steers Qual Income COM 19247L106 441 42,590 SH   SOLE NONE 0 0 42,590
Columbia Financial, COM 197641103 1,198 78,348 SH   SOLE NONE 0 0 78,348
Comcast Corporation CL A 20030N101 579 17,009 SH   SOLE NONE 0 0 17,009
Communicat Svs Slct Sec COMMUNICATION 81369Y852 270 6,530 SH   SOLE NONE 0 0 6,530
Credit Suisse Asset Mana COM 224916106 269 97,287 SH   SOLE NONE 0 0 97,287
Cvs Health Corp COM 126650100 264 4,034 SH   SOLE NONE 0 0 4,034
Danaher Corp Del COM 235851102 259 2,515 SH   SOLE NONE 0 0 2,515
Delta Air Lines Inc New COM NEW 247361702 1,379 27,631 SH   SOLE NONE 0 0 27,631
Dominion Res Inc Va New COM 25746U109 472 6,599 SH   SOLE NONE 0 0 6,599
Dowdupont Inc COM 26078J100 2,528 47,269 SH   SOLE NONE 0 0 47,269
Duke Energy Corp COM NEW 26441C204 4,015 46,524 SH   SOLE NONE 0 0 46,524
Eaton Corp Plc SHS G29183103 483 7,032 SH   SOLE NONE 0 0 7,032
Emerson Electric Co COM 291011104 429 7,181 SH   SOLE NONE 0 0 7,181
Enbridge Inc COM 29250N105 348 11,184 SH   SOLE NONE 0 0 11,184
Enterprise Prd Prtnrs COM 293792107 1,250 50,848 SH   SOLE NONE 0 0 50,848
Eog Resources Inc COM 26875P101 383 4,391 SH   SOLE NONE 0 0 4,391
Estee Lauderco Inc CL A 518439104 628 4,827 SH   SOLE NONE 0 0 4,827
Exxon Mobil Corp COM 30231G102 504 7,390 SH   SOLE NONE 0 0 7,390
Facebook Inc CL A 30303M102 3,823 29,164 SH   SOLE NONE 0 0 29,164
General Mills Inc COM 370334104 587 15,071 SH   SOLE NONE 0 0 15,071
Gilead Sciences Inc COM 375558103 470 7,518 SH   SOLE NONE 0 0 7,518
Glaxosmithkline Plc SPONSORED ADR 37733W105 955 25,000 SH   SOLE NONE 0 0 25,000
Goldman Sachs Group Inc COM 38141G104 381 2,280 SH   SOLE NONE 0 0 2,280
Hartford Finl Svc Gp COM 416515104 286 6,439 SH   SOLE NONE 0 0 6,439
Heico Corp CL A 422806208 1,510 23,973 SH   SOLE NONE 0 0 23,973
Home Depot Inc COM 437076102 5,485 31,921 SH   SOLE NONE 0 0 31,921
Honeywell International COM 438516106 771 5,836 SH   SOLE NONE 0 0 5,836
Hsbc Hldgs Plc SPON ADR NEW 404280406 2,749 66,880 SH   SOLE NONE 0 0 66,880
Ibm Corp COM 459200101 307 2,705 SH   SOLE NONE 0 0 2,705
Intel Corp COM 458140100 1,330 28,339 SH   SOLE NONE 0 0 28,339
Invesco Emerging Markets EMRNG MKT SVRG 46138E784 705 26,701 SH   SOLE NONE 0 0 26,701
Invesco QQQ Trust UNIT SER 1 46090E103 5,722 37,093 SH   SOLE NONE 0 0 37,093
Invesco S&P 500 Equal S&P500 EQL HLT 46137V332 960 5,408 SH   SOLE NONE 0 0 5,408
Invesco S&P 500 Equal S&P500 EQL STP 46137V373 878 7,539 SH   SOLE NONE 0 0 7,539
Invesco S&P 500 Low S&P500 LOW VOL 46138E354 314 6,721 SH   SOLE NONE 0 0 6,721
Invesco S&P 500 Low Volatilit S&P500 LOW VOL 46138E354 300 6,422 SH   SOLE NONE 0 0 6,422
Ishares Aero & Def Etf US AER DEF ETF 464288760 224 1,293 SH   SOLE NONE 0 0 1,293
Ishares Core S&P Small CORE S&P SCP ETF 464287804 342 4,937 SH   SOLE NONE 0 0 4,937
Ishares Russell 1000 RUS 1000 GRW ETF 464287614 301 2,301 SH   SOLE NONE 0 0 2,301
Ishares Tr Russell RUS 1000 ETF 464287622 404 2,916 SH   SOLE NONE 0 0 2,916
Jacobs Engineering COM 469814107 317 5,414 SH   SOLE NONE 0 0 5,414
Jetblue Airways Corp COM 477143101 913 56,850 SH   SOLE NONE 0 0 56,850
Johnson & Johnson COM 478160104 6,932 53,718 SH   SOLE NONE 0 0 53,718
Jpmorgan Chase & Co COM 46625H100 4,269 43,728 SH   SOLE NONE 0 0 43,728
Kinder Morgan Inc COM 49456B101 274 17,784 SH   SOLE NONE 0 0 17,784
Kraft Heinz Company COM 500754106 1,568 36,432 SH   SOLE NONE 0 0 36,432
Lockheed Martin Corp COM 539830109 466 1,778 SH   SOLE NONE 0 0 1,778
Lowes Companies Inc COM 548661107 421 4,556 SH   SOLE NONE 0 0 4,556
Marathon Pete Corp COM 56585A102 261 4,415 SH   SOLE NONE 0 0 4,415
Mastercard Inc CL A 57636Q104 1,446 7,663 SH   SOLE NONE 0 0 7,663
Mc Donalds Corp COM 580135101 294 1,657 SH   SOLE NONE 0 0 1,657
Medtronic Plc SHS G5960L103 385 4,228 SH   SOLE NONE 0 0 4,228
Merck & Co Inc COM 58933Y105 2,939 38,467 SH   SOLE NONE 0 0 38,467
Metlife Inc COM 59156R108 3,073 74,847 SH   SOLE NONE 0 0 74,847
Microsoft Corp COM 594918104 8,421 82,913 SH   SOLE NONE 0 0 82,913
Mondelez Intl CL A 609207105 402 10,039 SH   SOLE NONE 0 0 10,039
Neuberger Bermn Real Est COM 64190A103 50 12,000 SH   SOLE NONE 0 0 12,000
Nike Inc CL B 654106103 204 2,755 SH   SOLE NONE 0 0 2,755
Oracle Corporation COM 68389X105 429 9,497 SH   SOLE NONE 0 0 9,497
Pepsico Incorporated COM 713448108 1,659 15,017 SH   SOLE NONE 0 0 15,017
Pfizer Incorporated COM 717081103 3,344 76,617 SH   SOLE NONE 0 0 76,617
Philip Morris Intl COM 718172109 385 5,774 SH   SOLE NONE 0 0 5,774
Phillips COM 718546104 2,016 23,401 SH   SOLE NONE 0 0 23,401
Pimco Total Return ACTIVE BD ETF 72201R775 5,520 53,716 SH   SOLE NONE 0 0 53,716
Procter & Gamble COM 742718109 2,428 26,416 SH   SOLE NONE 0 0 26,416
Prologis Inc. COM 74340W103 390 6,635 SH   SOLE NONE 0 0 6,635
Prudential Financial Inc COM 744320102 1,020 12,503 SH   SOLE NONE 0 0 12,503
Rocky Mtn Choc Fact New COM 77467X101 126 15,013 SH   SOLE NONE 0 0 15,013
Rowe T Price Group Inc COM 74144T108 619 6,700 SH   SOLE NONE 0 0 6,700
Royal Dutch Shell SPONS ADR A 780259206 402 6,900 SH   SOLE NONE 0 0 6,900
S P D R S&P 500 Etf Tr TR UNIT 78462F103 277 1,109 SH   SOLE NONE 0 0 1,109
Salesforce Com COM 79466L302 520 3,795 SH   SOLE NONE 0 0 3,795
Schwab Emerging Markets EMRG MKTEQ ETF 808524706 1,667 70,843 SH   SOLE NONE 0 0 70,843
Schwab Fundamental US SCHWAB FDT US SC 808524763 3,304 100,600 SH   SOLE NONE 0 0 100,600
Schwab Intermediate Term INTRM TRM TRES 808524854 928 17,521 SH   SOLE NONE 0 0 17,521
Schwab International INTL EQTY ETF 808524805 4,741 167,243 SH   SOLE NONE 0 0 167,243
Schwab Short Term US SHT TM US TRES 808524862 1,152 23,091 SH   SOLE NONE 0 0 23,091
Schwab US Broad Market US BRD MKT ETF 808524102 17,129 285,812 SH   SOLE NONE 0 0 285,812
Schwab US Dividend US DIVIDEND EQ 808524797 413 8,801 SH   SOLE NONE 0 0 8,801
Schwab US Tips Etf US TIPS ETF 808524870 282 5,299 SH   SOLE NONE 0 0 5,299
Service Now Inc COM 81762P102 287 1,611 SH   SOLE NONE 0 0 1,611
Southern Company COM 842587107 251 5,716 SH   SOLE NONE 0 0 5,716
Spdr Fund Consumer SBI CONS STPLS 81369Y308 403 7,929 SH   SOLE NONE 0 0 7,929
Spdr Fund Consumer SBI CONS DISCR 81369Y407 380 3,838 SH   SOLE NONE 0 0 3,838
Spdr Long Term Treasury PORTFOLIO LN TSR 78464A664 2,378 67,862 SH   SOLE NONE 0 0 67,862
Spdr S&P 400 Mid Cap S&P 400 MDCP GRW 78464A821 4,157 90,674 SH   SOLE NONE 0 0 90,674
Square Inc CL A 852234103 209 3,720 SH   SOLE NONE 0 0 3,720
Starbucks Corp COM 855244109 385 5,979 SH   SOLE NONE 0 0 5,979
Technology Select Sector TECHNOLOGY 81369Y803 727 11,726 SH   SOLE NONE 0 0 11,726
Teva Pharm Inds Ltd SPONSORED ADR 881624209 269 17,450 SH   SOLE NONE 0 0 17,450
Thermo Fisher Scntfc COM 883556102 1,604 7,166 SH   SOLE NONE 0 0 7,166
Travelers Companies COM 89417E109 1,067 8,912 SH   SOLE NONE 0 0 8,912
U S Bancorp Del New COM NEW 902973304 727 15,904 SH   SOLE NONE 0 0 15,904
Unilever N V N Y SHS NEW 904784709 238 4,433 SH   SOLE NONE 0 0 4,433
United Contl Hldgs Inc COM 910047109 2,371 28,321 SH   SOLE NONE 0 0 28,321
United Parcel Srvc CL B 911312106 1,198 12,281 SH   SOLE NONE 0 0 12,281
United Technologies COM 913017109 431 4,050 SH   SOLE NONE 0 0 4,050
Unitedhealth Grp Inc COM 91324P102 1,170 4,695 SH   SOLE NONE 0 0 4,695
Vanguard Ftse All World ALLWRLD EX US 922042775 242 5,307 SH   SOLE NONE 0 0 5,307
Vanguard Info Technology INF TECH ETF 92204A702 354 2,121 SH   SOLE NONE 0 0 2,121
Vanguard Large Cap Etf LARGE CAP ETF 922908637 374 3,253 SH   SOLE NONE 0 0 3,253
Vanguard Total Stock TOTAL STK MKT 922908769 352 2,760 SH   SOLE NONE 0 0 2,760
Veeva Systems Inc CL A COM 922475108 504 5,646 SH   SOLE NONE 0 0 5,646
Verizon Communicatn COM 92343V104 5,955 105,919 SH   SOLE NONE 0 0 105,919
Visa Inc COM CL A 92826C839 5,705 43,239 SH   SOLE NONE 0 0 43,239
Vmware Inc Cl A CL A COM 928563402 253 1,842 SH   SOLE NONE 0 0 1,842
Wal-Mart Stores Inc COM 931142103 214 2,296 SH   SOLE NONE 0 0 2,296
Walt Disney Co COM DISNEY 254687106 1,386 12,639 SH   SOLE NONE 0 0 12,639
Waste Management Inc Del COM 94106L109 3,866 43,447 SH   SOLE NONE 0 0 43,447
Wells Fargo & Co COM 949746101 1,376 29,861 SH   SOLE NONE 0 0 29,861
Wells Fargo L PERP PFD CNV A 949746804 1,174 930 SH   SOLE NONE 0 0 930
Weyerhaeuser Co COM 962166104 716 32,769 SH   SOLE NONE 0 0 32,769