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 2,121 10,210 SH   SOLE NONE 0 0 10,210
A F L A C Inc COM 001055102 1,751 35,023 SH   SOLE NONE 0 0 35,023
A T & T Inc COM 00206R102 6,731 214,639 SH   SOLE NONE 0 0 214,639
Abbvie Inc COM 00287Y109 580 7,194 SH   SOLE NONE 0 0 7,194
Adams Express Co COM 006212104 360 24,938 SH   SOLE NONE 0 0 24,938
Aegon Nv Cap NY REGISTRY SHS 007924103 1,041 40,600 SH   SOLE NONE 0 0 40,600
Alibaba Group Hldg SPONSORED ADS 01609W102 1,281 7,022 SH   SOLE NONE 0 0 7,022
Alphabet Inc CAP STK CL C 02079K107 664 566 SH   SOLE NONE 0 0 566
Alphabet Inc CAP STK CL A 02079K305 5,809 4,936 SH   SOLE NONE 0 0 4,936
Altria Group Inc COM 02209S103 959 16,704 SH   SOLE NONE 0 0 16,704
Amazon Com Inc COM 023135106 10,214 5,736 SH   SOLE NONE 0 0 5,736
Amer Electric Pwr Co COM 025537101 289 3,451 SH   SOLE NONE 0 0 3,451
American Axle & Mfg COM 024061103 608 42,500 SH   SOLE NONE 0 0 42,500
American Express Co COM 025816109 906 8,292 SH   SOLE NONE 0 0 8,292
American Intl Group COM NEW 026874784 359 8,348 SH   SOLE NONE 0 0 8,348
Amgen Inc. COM 031162100 315 1,656 SH   SOLE NONE 0 0 1,656
Anthem Inc COM 036752103 1,010 3,519 SH   SOLE NONE 0 0 3,519
Apple Inc COM 037833100 12,122 63,814 SH   SOLE NONE 0 0 63,814
Ark Innovation Etf INNOVATION ETF 00214Q104 1,847 39,524 SH   SOLE NONE 0 0 39,524
Bank Of America 7.25%CNV PFD L 060505682 1,292 992 SH   SOLE NONE 0 0 992
Bank Of America Corp COM 060505104 2,986 108,211 SH   SOLE NONE 0 0 108,211
Bb&T Corporation COM 054937107 1,640 35,242 SH   SOLE NONE 0 0 35,242
Berkshire Hathaway CL B NEW 084670702 3,719 18,514 SH   SOLE NONE 0 0 18,514
Boeing Co COM 097023105 2,008 5,264 SH   SOLE NONE 0 0 5,264
Bridge Bancorp Inc COM 108035106 302 10,307 SH   SOLE NONE 0 0 10,307
Bristol-Myers Squibb COM 110122108 1,034 21,680 SH   SOLE NONE 0 0 21,680
Carnival Corp New UNIT 99/99/9999 143658300 1,350 26,618 SH   SOLE NONE 0 0 26,618
Charles Schwab Corp COM 808513105 291 6,806 SH   SOLE NONE 0 0 6,806
China Mobile Ltd SPONSORED ADR 16941M109 365 7,160 SH   SOLE NONE 0 0 7,160
Chubb Ltd COM H1467J104 411 2,936 SH   SOLE NONE 0 0 2,936
Cisco Systems Inc COM 17275R102 3,094 57,304 SH   SOLE NONE 0 0 57,304
Citigroup Inc COM NEW 172967424 1,700 27,319 SH   SOLE NONE 0 0 27,319
Coca Cola Company COM 191216100 599 12,773 SH   SOLE NONE 0 0 12,773
Cohen Steers Qual Income COM 19247L106 452 35,293 SH   SOLE NONE 0 0 35,293
Columbia Financial, COM 197641103 1,228 78,348 SH   SOLE NONE 0 0 78,348
Comcast Corporation CL A 20030N101 694 17,347 SH   SOLE NONE 0 0 17,347
Communicat Svs Slct Sec COMMUNICATION 81369Y852 268 5,730 SH   SOLE NONE 0 0 5,730
Credit Suisse Asset Mana COM 224916106 308 99,479 SH   SOLE NONE 0 0 99,479
Cvs Health Corp COM 126650100 753 13,964 SH   SOLE NONE 0 0 13,964
Danaher Corp Del COM 235851102 380 2,879 SH   SOLE NONE 0 0 2,879
Delta Air Lines Inc New COM NEW 247361702 1,580 30,597 SH   SOLE NONE 0 0 30,597
Direxion Nasdaq 100 Eql NAS100 EQL WGT 25459Y207 1,350 28,217 SH   SOLE NONE 0 0 28,217
Dominion Res Inc Va New COM 25746U109 484 6,319 SH   SOLE NONE 0 0 6,319
Dowdupont Inc COM 26078J100 2,407 45,158 SH   SOLE NONE 0 0 45,158
Duke Energy Corp COM NEW 26441C204 1,939 21,548 SH   SOLE NONE 0 0 21,548
Eaton Corp Plc SHS G29183103 542 6,732 SH   SOLE NONE 0 0 6,732
Emerson Electric Co COM 291011104 465 6,790 SH   SOLE NONE 0 0 6,790
Enbridge Inc COM 29250N105 408 11,240 SH   SOLE NONE 0 0 11,240
Enterprise Prd Prtnrs COM 293792107 1,565 53,782 SH   SOLE NONE 0 0 53,782
Eog Resources Inc COM 26875P101 463 4,865 SH   SOLE NONE 0 0 4,865
Estee Lauderco Inc CL A 518439104 773 4,670 SH   SOLE NONE 0 0 4,670
Etf Managers Tr ETFMG ALTR HRVST 26924G508 215 5,907 SH   SOLE NONE 0 0 5,907
Exxon Mobil Corp COM 30231G102 609 7,534 SH   SOLE NONE 0 0 7,534
Facebook Inc CL A 30303M102 4,678 28,064 SH   SOLE NONE 0 0 28,064
General Mills Inc COM 370334104 207 4,000 SH   SOLE NONE 0 0 4,000
Gilead Sciences Inc COM 375558103 450 6,929 SH   SOLE NONE 0 0 6,929
Glaxosmithkline Plc SPONSORED ADR 37733W105 710 17,000 SH   SOLE NONE 0 0 17,000
Goldman Sachs Group Inc COM 38141G104 370 1,928 SH   SOLE NONE 0 0 1,928
Hartford Finl Svc Gp COM 416515104 320 6,446 SH   SOLE NONE 0 0 6,446
Healthequity Inc COM 42226A107 320 4,328 SH   SOLE NONE 0 0 4,328
Heico Corp CL A 422806208 1,924 22,884 SH   SOLE NONE 0 0 22,884
Home Depot Inc COM 437076102 5,915 30,826 SH   SOLE NONE 0 0 30,826
Honeywell International COM 438516106 926 5,825 SH   SOLE NONE 0 0 5,825
Hsbc Hldgs Plc SPON ADR NEW 404280406 2,519 62,080 SH   SOLE NONE 0 0 62,080
Ibm Corp COM 459200101 383 2,716 SH   SOLE NONE 0 0 2,716
Illinois Tool Works Inc COM 452308109 212 1,476 SH   SOLE NONE 0 0 1,476
Intel Corp COM 458140100 1,467 27,322 SH   SOLE NONE 0 0 27,322
Interntnl Paper COM 460146103 2,196 47,461 SH   SOLE NONE 0 0 47,461
Invesco Aerospace & Defense ET AEROSPACE DEFN 46137V100 205 3,545 SH   SOLE NONE 0 0 3,545
Invesco Emerging Markets EMRNG MKT SVRG 46138E784 794 28,363 SH   SOLE NONE 0 0 28,363
Invesco QQQ Trust UNIT SER 1 46090E103 6,539 36,395 SH   SOLE NONE 0 0 36,395
Invesco SP 500 Equal S&P500 EQL UTL 46137V274 613 6,330 SH   SOLE NONE 0 0 6,330
Invesco SP 500 Equal S&P500 EQL HLT 46137V332 1,133 5,738 SH   SOLE NONE 0 0 5,738
Invesco SP 500 Equal S&P500 EQL STP 46137V373 1,057 8,056 SH   SOLE NONE 0 0 8,056
Invesco SP 500 Equal S&P500 EQL DIS 46137V381 609 5,853 SH   SOLE NONE 0 0 5,853
Invesco SP 500 Low S&P500 LOW VOL 46138E354 423 8,029 SH   SOLE NONE 0 0 8,029
Invesco SP 500 Low Volatility S&P500 LOW VOL 46138E354 277 5,260 SH   SOLE NONE 0 0 5,260
Ishares Aero & Def Etf US AER DEF ETF 464288760 230 1,152 SH   SOLE NONE 0 0 1,152
Ishares Core S&P Small CORE S&P SCP ETF 464287804 338 4,381 SH   SOLE NONE 0 0 4,381
Ishares Russell 1000 RUS 1000 GRW ETF 464287614 263 1,739 SH   SOLE NONE 0 0 1,739
Ishares Tr Russell RUS 1000 ETF 464287622 460 2,927 SH   SOLE NONE 0 0 2,927
Jetblue Airways Corp COM 477143101 922 56,350 SH   SOLE NONE 0 0 56,350
Johnson & Johnson COM 478160104 7,409 53,001 SH   SOLE NONE 0 0 53,001
Jpmorgan Chase & Co COM 46625H100 4,751 46,930 SH   SOLE NONE 0 0 46,930
Kinder Morgan Inc COM 49456B101 580 28,979 SH   SOLE NONE 0 0 28,979
Kraft Heinz Company COM 500754106 577 17,665 SH   SOLE NONE 0 0 17,665
Lockheed Martin Corp COM 539830109 534 1,778 SH   SOLE NONE 0 0 1,778
Lowes Companies Inc COM 548661107 493 4,500 SH   SOLE NONE 0 0 4,500
Marathon Pete Corp COM 56585A102 234 3,917 SH   SOLE NONE 0 0 3,917
Mastercard Inc CL A 57636Q104 1,826 7,756 SH   SOLE NONE 0 0 7,756
Mc Donalds Corp COM 580135101 327 1,723 SH   SOLE NONE 0 0 1,723
Medtronic Plc SHS G5960L103 477 5,240 SH   SOLE NONE 0 0 5,240
Merck & Co Inc COM 58933Y105 1,765 21,226 SH   SOLE NONE 0 0 21,226
Metlife Inc COM 59156R108 3,140 73,767 SH   SOLE NONE 0 0 73,767
Microsoft Corp COM 594918104 9,499 80,542 SH   SOLE NONE 0 0 80,542
Mondelez Intl CL A 609207105 452 9,056 SH   SOLE NONE 0 0 9,056
Netflix Inc COM 64110L106 230 646 SH   SOLE NONE 0 0 646
Neuberger Bermn Real Est COM 64190A103 268 54,000 SH   SOLE NONE 0 0 54,000
Nike Inc CL B 654106103 272 3,229 SH   SOLE NONE 0 0 3,229
Nvidia Corp COM 67066G104 594 3,311 SH   SOLE NONE 0 0 3,311
Oracle Corporation COM 68389X105 510 9,501 SH   SOLE NONE 0 0 9,501
Pepsico Incorporated COM 713448108 1,777 14,499 SH   SOLE NONE 0 0 14,499
Pfizer Incorporated COM 717081103 3,168 74,596 SH   SOLE NONE 0 0 74,596
Philip Morris Intl COM 718172109 412 4,661 SH   SOLE NONE 0 0 4,661
Phillips COM 718546104 2,177 22,880 SH   SOLE NONE 0 0 22,880
Pimco Total Return ACTIVE BD ETF 72201R775 5,666 53,689 SH   SOLE NONE 0 0 53,689
Procter & Gamble COM 742718109 2,666 25,619 SH   SOLE NONE 0 0 25,619
Prudential Financial Inc COM 744320102 1,250 13,603 SH   SOLE NONE 0 0 13,603
Raytheon Company COM NEW 755111507 232 1,274 SH   SOLE NONE 0 0 1,274
Rocky Mtn Choc Fact New COM 77467X101 135 15,013 SH   SOLE NONE 0 0 15,013
Rowe T Price Group Inc COM 74144T108 671 6,700 SH   SOLE NONE 0 0 6,700
Royal Dutch Shell SPONS ADR A 780259206 432 6,900 SH   SOLE NONE 0 0 6,900
S P D R S&P 500 Etf Tr TR UNIT 78462F103 390 1,380 SH   SOLE NONE 0 0 1,380
Salesforce Com COM 79466L302 781 4,932 SH   SOLE NONE 0 0 4,932
Schwab Emerging Markets EMRG MKTEQ ETF 808524706 1,936 74,435 SH   SOLE NONE 0 0 74,435
Schwab Fundamental US SCHWAB FDT US SC 808524763 3,978 106,808 SH   SOLE NONE 0 0 106,808
Schwab Intermediate Term INTRM TRM TRES 808524854 982 18,262 SH   SOLE NONE 0 0 18,262
Schwab International INTL EQTY ETF 808524805 4,990 159,365 SH   SOLE NONE 0 0 159,365
Schwab Short Term US SHT TM US TRES 808524862 1,210 24,107 SH   SOLE NONE 0 0 24,107
Schwab US Broad Market US BRD MKT ETF 808524102 18,927 278,133 SH   SOLE NONE 0 0 278,133
Schwab US Dividend US DIVIDEND EQ 808524797 400 7,645 SH   SOLE NONE 0 0 7,645
Sector Spdr Health Fund SBI HEALTHCARE 81369Y209 209 2,280 SH   SOLE NONE 0 0 2,280
Select Sector Uti Select SBI INT-UTILS 81369Y886 586 10,076 SH   SOLE NONE 0 0 10,076
Service Now Inc COM 81762P102 405 1,645 SH   SOLE NONE 0 0 1,645
Southern Company COM 842587107 300 5,807 SH   SOLE NONE 0 0 5,807
Spdr Fund Consumer SBI CONS STPLS 81369Y308 417 7,429 SH   SOLE NONE 0 0 7,429
Spdr Fund Consumer SBI CONS DISCR 81369Y407 390 3,428 SH   SOLE NONE 0 0 3,428
Spdr Long Term Treasury PORTFOLIO LN TSR 78464A664 2,569 70,607 SH   SOLE NONE 0 0 70,607
Spdr S&P 400 Mid Cap S&P 400 MDCP GRW 78464A821 5,152 98,033 SH   SOLE NONE 0 0 98,033
Square Inc CL A 852234103 279 3,720 SH   SOLE NONE 0 0 3,720
Stanley Black & Decker COM 854502101 223 1,636 SH   SOLE NONE 0 0 1,636
Starbucks Corp COM 855244109 429 5,767 SH   SOLE NONE 0 0 5,767
Technology Select Sector TECHNOLOGY 81369Y803 882 11,923 SH   SOLE NONE 0 0 11,923
Teva Pharm Inds Ltd SPONSORED ADS 881624209 242 15,450 SH   SOLE NONE 0 0 15,450
Thermo Fisher Scntfc COM 883556102 1,958 7,153 SH   SOLE NONE 0 0 7,153
Travelers Companies COM 89417E109 1,212 8,836 SH   SOLE NONE 0 0 8,836
U S Bancorp Del New COM NEW 902973304 1,084 22,504 SH   SOLE NONE 0 0 22,504
Unilever N V N Y SHS NEW 904784709 258 4,433 SH   SOLE NONE 0 0 4,433
Unilever Plc SPON ADR NEW 904767704 201 3,477 SH   SOLE NONE 0 0 3,477
United Contl Hldgs Inc COM 910047109 2,425 30,396 SH   SOLE NONE 0 0 30,396
United Parcel Srvc CL B 911312106 1,378 12,328 SH   SOLE NONE 0 0 12,328
United Technologies COM 913017109 677 5,254 SH   SOLE NONE 0 0 5,254
Unitedhealth Grp Inc COM 91324P102 1,183 4,786 SH   SOLE NONE 0 0 4,786
Valero Energy Corp COM 91913Y100 977 11,512 SH   SOLE NONE 0 0 11,512
Vanguard Info Technology INF TECH ETF 92204A702 421 2,097 SH   SOLE NONE 0 0 2,097
Vanguard Large Cap Etf LARGE CAP ETF 922908637 422 3,253 SH   SOLE NONE 0 0 3,253
Vanguard Mid Cap Value MCAP VL IDXVIP 922908512 215 1,994 SH   SOLE NONE 0 0 1,994
Vanguard Total Stock TOTAL STK MKT 922908769 383 2,649 SH   SOLE NONE 0 0 2,649
Varian Medical Systems COM 92220P105 227 1,600 SH   SOLE NONE 0 0 1,600
Veeva Systems Inc CL A COM 922475108 711 5,602 SH   SOLE NONE 0 0 5,602
Verizon Communicatn COM 92343V104 6,236 105,462 SH   SOLE NONE 0 0 105,462
Virtu Finl Incorpora0050 CL A 928254101 331 13,949 SH   SOLE NONE 0 0 13,949
Visa Inc COM CL A 92826C839 6,856 43,895 SH   SOLE NONE 0 0 43,895
Vmware Inc Cl A CL A COM 928563402 389 2,155 SH   SOLE NONE 0 0 2,155
Wal-Mart Stores Inc COM 931142103 224 2,301 SH   SOLE NONE 0 0 2,301
Walt Disney Co COM DISNEY 254687106 1,632 14,701 SH   SOLE NONE 0 0 14,701
Waste Management Inc Del COM 94106L109 4,360 41,961 SH   SOLE NONE 0 0 41,961
Wells Fargo & Co COM 949746101 1,532 31,712 SH   SOLE NONE 0 0 31,712
Wells Fargo L PERP PFD CNV A 949746804 1,410 1,091 SH   SOLE NONE 0 0 1,091
Weyerhaeuser Co COM 962166104 780 29,620 SH   SOLE NONE 0 0 29,620