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 1,599 9,729 SH   SOLE NONE 0 0 9,729
A F L A C Inc COM 001055102 1,987 37,982 SH   SOLE NONE 0 0 37,982
A T & T Inc New COM 00206R102 8,340 220,391 SH   SOLE NONE 0 0 220,391
Abbvie Inc COM 00287Y109 1,228 16,222 SH   SOLE NONE 0 0 16,222
Adams Express Co COM 006212104 395 24,938 SH   SOLE NONE 0 0 24,938
Alibaba Group Hldg Adr SPONSORED ADS 01609W102 1,212 7,247 SH   SOLE NONE 0 0 7,247
Alphabet A CAP STK CL A 02079K305 5,898 4,830 SH   SOLE NONE 0 0 4,830
Alphabet C CAP STK CL C 02079K107 655 537 SH   SOLE NONE 0 0 537
Altria Group Inc COM 02209S103 606 14,820 SH   SOLE NONE 0 0 14,820
Amazon Com Inc COM 023135106 10,159 5,852 SH   SOLE NONE 0 0 5,852
Amer Electric Pwr Co Inc COM 025537101 322 3,435 SH   SOLE NONE 0 0 3,435
American Express Company COM 025816109 1,008 8,520 SH   SOLE NONE 0 0 8,520
American Intl Group Inc COM NEW 026874784 460 8,260 SH   SOLE NONE 0 0 8,260
Anthem Inc COM 036752103 383 1,596 SH   SOLE NONE 0 0 1,596
Apple Computer Inc COM 037833100 14,008 62,545 SH   SOLE NONE 0 0 62,545
Ark Genomic Revolution GENOMIC REV ETF 00214Q302 216 7,306 SH   SOLE NONE 0 0 7,306
Ark Innovation Etf INNOVATION ETF 00214Q104 1,634 38,096 SH   SOLE NONE 0 0 38,096
Bank Of America 7.25%CNV PFD L 060505682 1,415 944 SH   SOLE NONE 0 0 944
Bank Of America Corp COM 060505104 2,883 98,838 SH   SOLE NONE 0 0 98,838
Bb&T Corporation COM 054937107 1,782 33,386 SH   SOLE NONE 0 0 33,386
Berkshire Hathaway Cl B CL B NEW 084670702 4,100 19,709 SH   SOLE NONE 0 0 19,709
Boeing Co COM 097023105 876 2,302 SH   SOLE NONE 0 0 2,302
Bp Plc Adr SPONSORED ADR 055622104 281 7,389 SH   SOLE NONE 0 0 7,389
Bridge Bancorp Inc COM 108035106 303 10,236 SH   SOLE NONE 0 0 10,236
Bristol-Myers Squibb Co COM 110122108 845 16,659 SH   SOLE NONE 0 0 16,659
C V S Corp Del COM 126650100 1,563 24,776 SH   SOLE NONE 0 0 24,776
Carnival Corp New UNIT 99/99/9999 143658300 874 19,985 SH   SOLE NONE 0 0 19,985
Chubb Corporation COM H1467J104 476 2,951 SH   SOLE NONE 0 0 2,951
Cisco Systems Inc COM 17275R102 2,978 60,281 SH   SOLE NONE 0 0 60,281
Citigroup Inc COM NEW 172967424 2,206 31,939 SH   SOLE NONE 0 0 31,939
Coca Cola Company COM 191216100 672 12,343 SH   SOLE NONE 0 0 12,343
Cohen Steers Qual Income COM 19247L106 589 37,164 SH   SOLE NONE 0 0 37,164
Columbia Financial, COM 197641103 332 21,035 SH   SOLE NONE 0 0 21,035
Comcast Corp New Cl A CL A 20030N101 784 17,392 SH   SOLE NONE 0 0 17,392
Communicat Svs Slct Sec COMMUNICATION 81369Y852 284 5,730 SH   SOLE NONE 0 0 5,730
Corteva Inc com COM 22052L104 477 17,028 SH   SOLE NONE 0 0 17,028
Credit Suisse Asset Mana COM 224916106 327 103,852 SH   SOLE NONE 0 0 103,852
CyberArk Software Ltd SHS M2682V108 477 4,779 SH   SOLE NONE 0 0 4,779
Danaher Corp Del COM 235851102 541 3,749 SH   SOLE NONE 0 0 3,749
Delta Air Lines Inc New COM NEW 247361702 1,899 32,974 SH   SOLE NONE 0 0 32,974
Disney Walt Co COM DISNEY 254687106 2,410 18,489 SH   SOLE NONE 0 0 18,489
Dominion Res Inc Va New COM 25746U109 513 6,332 SH   SOLE NONE 0 0 6,332
Dow Chemical Company COM 260557103 542 11,369 SH   SOLE NONE 0 0 11,369
Dowdupont Inc COM 26614N102 1,069 14,985 SH   SOLE NONE 0 0 14,985
Duke Energy Corp New COM NEW 26441C204 2,395 24,989 SH   SOLE NONE 0 0 24,989
Eaton Corporation SHS G29183103 539 6,485 SH   SOLE NONE 0 0 6,485
Eaton Vance Insured COM 27827Y109 245 19,718 SH   SOLE NONE 0 0 19,718
Edwards Lifesciences Cp COM 28176E108 226 1,029 SH   SOLE NONE 0 0 1,029
Emerson Electric Co COM 291011104 397 5,944 SH   SOLE NONE 0 0 5,944
Enbridge Inc COM 29250N105 385 10,966 SH   SOLE NONE 0 0 10,966
Enterprise Prd Prtnrs COM 293792107 1,595 55,812 SH   SOLE NONE 0 0 55,812
Estee Lauderco Inc CL A 518439104 677 3,404 SH   SOLE NONE 0 0 3,404
Exelon Corporation COM 30161N101 902 18,667 SH   SOLE NONE 0 0 18,667
Exxon Mobil Corporation COM 30231G102 462 6,542 SH   SOLE NONE 0 0 6,542
F M C Corp New COM NEW 302491303 487 5,558 SH   SOLE NONE 0 0 5,558
Facebook Inc Class A CL A 30303M102 4,822 27,075 SH   SOLE NONE 0 0 27,075
General Mills Inc COM 370334104 220 4,000 SH   SOLE NONE 0 0 4,000
Gilead Sciences Inc COM 375558103 260 4,100 SH   SOLE NONE 0 0 4,100
Goldman Sachs Group Inc COM 38141G104 355 1,714 SH   SOLE NONE 0 0 1,714
Hartford Finl Svcs Grp COM 416515104 333 5,502 SH   SOLE NONE 0 0 5,502
Heico Corp CL A 422806208 2,182 22,422 SH   SOLE NONE 0 0 22,422
Home Depot Inc COM 437076102 7,095 30,579 SH   SOLE NONE 0 0 30,579
Honeywell International COM 438516106 1,099 6,495 SH   SOLE NONE 0 0 6,495
Hsbc Hldgs Plc Adr New SPON ADR NEW 404280406 2,292 59,880 SH   SOLE NONE 0 0 59,880
Intel Corp COM 458140100 1,394 27,061 SH   SOLE NONE 0 0 27,061
International Paper Co COM 460146103 2,104 50,314 SH   SOLE NONE 0 0 50,314
Intl Business Machines COM 459200101 393 2,701 SH   SOLE NONE 0 0 2,701
Invesco Aerospace & Defense ETF AEROSPACE DEFN 46137V100 240 3,549 SH   SOLE NONE 0 0 3,549
Invesco Emerging Markets EMRNG MKT SVRG 46138E784 709 24,319 SH   SOLE NONE 0 0 24,319
Invesco QQQ Trust UNIT SER 1 46090E103 6,205 32,861 SH   SOLE NONE 0 0 32,861
Invesco S&P 500 Equal S&P500 EQL UTL 46137V274 729 6,838 SH   SOLE NONE 0 0 6,838
Invesco S&P 500 Equal S&P500 EQL DIS 46137V381 823 7,874 SH   SOLE NONE 0 0 7,874
Invesco S&P 500 Equal Weight S&P500 EQL HLT 46137V332 593 3,028 SH   SOLE NONE 0 0 3,028
Invesco S&P 500 Equal Weight S&P500 EQL STP 46137V373 883 6,291 SH   SOLE NONE 0 0 6,291
Invesco S&P 500 Low Volatility S&P500 LOW VOL 46138E354 871 15,037 SH   SOLE NONE 0 0 15,037
Ishares Aero & Def Etf US AER DEF ETF 464288760 220 981 SH   SOLE NONE 0 0 981
iShares Edge MSCI Min Vol EAFE ETF MIN VOL EAFE ETF 46429B689 2,373 32,382 SH   SOLE NONE 0 0 32,382
Ishares Russell 1000 RUS 1000 GRW ETF 464287614 278 1,742 SH   SOLE NONE 0 0 1,742
Ishares Tr Russell RUS 1000 ETF 464287622 776 4,716 SH   SOLE NONE 0 0 4,716
Ishares Tr S&P Smallcap CORE S&P SCP ETF 464287804 318 4,091 SH   SOLE NONE 0 0 4,091
Jetblue Airways Corp COM 477143101 919 54,850 SH   SOLE NONE 0 0 54,850
Johnson & Johnson COM 478160104 3,094 23,912 SH   SOLE NONE 0 0 23,912
Jpmorgan Chase & Co COM 46625H100 5,742 48,788 SH   SOLE NONE 0 0 48,788
Kinder Morgan Inc COM 49456B101 546 26,469 SH   SOLE NONE 0 0 26,469
Kraft Heinz Company COM 500754106 343 12,292 SH   SOLE NONE 0 0 12,292
Lockheed Martin Corp COM 539830109 715 1,832 SH   SOLE NONE 0 0 1,832
Lowes Companies Inc COM 548661107 496 4,511 SH   SOLE NONE 0 0 4,511
Mastercard Inc CL A 57636Q104 2,268 8,352 SH   SOLE NONE 0 0 8,352
Mc Donalds Corp COM 580135101 402 1,871 SH   SOLE NONE 0 0 1,871
Medtronic Inc SHS G5960L103 561 5,167 SH   SOLE NONE 0 0 5,167
Merck & Co Inc COM 58933Y105 1,797 21,342 SH   SOLE NONE 0 0 21,342
Metlife Inc COM 59156R108 3,457 73,295 SH   SOLE NONE 0 0 73,295
Microsoft Corp COM 594918104 11,413 82,089 SH   SOLE NONE 0 0 82,089
Mondelez Intl Inc Cl A CL A 609207105 520 9,402 SH   SOLE NONE 0 0 9,402
Neuberger Bermn Real Est COM 64190A103 289 51,000 SH   SOLE NONE 0 0 51,000
Nike Inc Class B CL B 654106103 349 3,713 SH   SOLE NONE 0 0 3,713
Nuveen Municipal Credit COM SH BEN INT 67070X101 558 34,405 SH   SOLE NONE 0 0 34,405
Nuveen New York Dividend COM 67066X107 1,513 106,095 SH   SOLE NONE 0 0 106,095
Nuveen Nj Div Ad Muni Fd COM 67069Y102 964 66,599 SH   SOLE NONE 0 0 66,599
Nuveen Ny Amt Free Muni COM 670656107 2,117 157,279 SH   SOLE NONE 0 0 157,279
Nvidia Corp COM 67066G104 1,066 6,122 SH   SOLE NONE 0 0 6,122
Oracle Corporation COM 68389X105 518 9,415 SH   SOLE NONE 0 0 9,415
Paypal Holdings Inco COM 70450Y103 259 2,497 SH   SOLE NONE 0 0 2,497
Pepsico Incorporated COM 713448108 1,967 14,349 SH   SOLE NONE 0 0 14,349
Pfizer Incorporated COM 717081103 2,585 71,951 SH   SOLE NONE 0 0 71,951
Philip Morris Intl Inc COM 718172109 322 4,243 SH   SOLE NONE 0 0 4,243
Phillips COM 718546104 2,467 24,090 SH   SOLE NONE 0 0 24,090
Pimco Total Return ACTIVE BD ETF 72201R775 5,106 46,887 SH   SOLE NONE 0 0 46,887
Procter & Gamble COM 742718109 3,083 24,789 SH   SOLE NONE 0 0 24,789
Proshares Short S&P 500 SHORT S&P 500 NE 74347B425 410 15,673 SH   SOLE NONE 0 0 15,673
Proto Labs Inc COM 743713109 507 4,965 SH   SOLE NONE 0 0 4,965
Prudential Financial Inc COM 744320102 2,162 24,033 SH   SOLE NONE 0 0 24,033
Purefunds Ise Cyber PRIME CYBR SCRTY 26924G201 321 8,583 SH   SOLE NONE 0 0 8,583
Rocky Mtn Choc Fact New COM 77467X101 140 15,013 SH   SOLE NONE 0 0 15,013
Rowe T Price Group Inc COM 74144T108 765 6,700 SH   SOLE NONE 0 0 6,700
Royal Dutch Shell A Adrf SPONS ADR A 780259206 1,182 20,080 SH   SOLE NONE 0 0 20,080
S P D R S&P 500 Etf Tr TR UNIT 78462F103 372 1,252 SH   SOLE NONE 0 0 1,252
Salesforce Com COM 79466L302 814 5,483 SH   SOLE NONE 0 0 5,483
Sch US Div Equity Etf US DIVIDEND EQ 808524797 441 8,050 SH   SOLE NONE 0 0 8,050
Schw Intl Eq Etf INTL EQTY ETF 808524805 1,587 49,820 SH   SOLE NONE 0 0 49,820
Schw US Brd Mkt Etf US BRD MKT ETF 808524102 19,555 275,351 SH   SOLE NONE 0 0 275,351
Schw US Lcap Gro Etf US LCAP GR ETF 808524300 1,883 22,412 SH   SOLE NONE 0 0 22,412
Schwab Fundamental US SCHWAB FDT US SC 808524763 1,653 43,788 SH   SOLE NONE 0 0 43,788
Schwab Intermediate Term INTRM TRM TRES 808524854 894 16,099 SH   SOLE NONE 0 0 16,099
Schwab Short Term US SHT TM US TRES 808524862 1,071 21,166 SH   SOLE NONE 0 0 21,166
Sector Spdr Consumer Fd SBI CONS DISCR 81369Y407 415 3,436 SH   SOLE NONE 0 0 3,436
Sector Spdr Health Fund SBI HEALTHCARE 81369Y209 207 2,295 SH   SOLE NONE 0 0 2,295
Sector Spdr Tech Select TECHNOLOGY 81369Y803 975 12,107 SH   SOLE NONE 0 0 12,107
Sector Spdr Tr Con Stpls SBI CONS STPLS 81369Y308 464 7,557 SH   SOLE NONE 0 0 7,557
Service Now Inc COM 81762P102 420 1,655 SH   SOLE NONE 0 0 1,655
Sherwin Williams Co COM 824348106 232 421 SH   SOLE NONE 0 0 421
Spdr Long Term Treasury PORTFOLIO LN TSR 78464A664 2,593 63,200 SH   SOLE NONE 0 0 63,200
Spdr S&P 400 Mid Cap S&P 400 MDCP GRW 78464A821 4,146 77,172 SH   SOLE NONE 0 0 77,172
SPLUNK INC COM 848637104 532 4,514 SH   SOLE NONE 0 0 4,514
Square Inc CL A 852234103 238 3,845 SH   SOLE NONE 0 0 3,845
Stanley Black & Decker COM 854502101 237 1,638 SH   SOLE NONE 0 0 1,638
Starbucks Corp COM 855244109 395 4,466 SH   SOLE NONE 0 0 4,466
The Southern Company COM 842587107 370 5,997 SH   SOLE NONE 0 0 5,997
Thermo Electron Corp COM 883556102 2,220 7,622 SH   SOLE NONE 0 0 7,622
Travelers Companies Inc COM 89417E109 1,335 8,977 SH   SOLE NONE 0 0 8,977
U S Bancorp Del New COM NEW 902973304 1,241 22,432 SH   SOLE NONE 0 0 22,432
Unilever N V Ny Shs Newf N Y SHS NEW 904784709 266 4,433 SH   SOLE NONE 0 0 4,433
United Contl Hldgs Inc COM 910047109 2,670 30,196 SH   SOLE NONE 0 0 30,196
United Parcel Service B CL B 911312106 1,549 12,924 SH   SOLE NONE 0 0 12,924
United Technologies Corp COM 913017109 854 6,253 SH   SOLE NONE 0 0 6,253
Unitedhealth Group Inc COM 91324P102 1,205 5,546 SH   SOLE NONE 0 0 5,546
Valero Energy Corp New COM 91913Y100 1,393 16,347 SH   SOLE NONE 0 0 16,347
Vanguard Info Technology INF TECH ETF 92204A702 472 2,192 SH   SOLE NONE 0 0 2,192
Vanguard Large Cap LARGE CAP ETF 922908637 443 3,253 SH   SOLE NONE 0 0 3,253
Vanguard Mid Cap Value MCAP VL IDXVIP 922908512 227 2,012 SH   SOLE NONE 0 0 2,012
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 403 2,670 SH   SOLE NONE 0 0 2,670
Veeva Systems Inc CL A COM 922475108 1,071 7,013 SH   SOLE NONE 0 0 7,013
Verizon Communications COM 92343V104 6,931 114,834 SH   SOLE NONE 0 0 114,834
Visa Inc Cl A COM CL A 92826C839 7,667 44,571 SH   SOLE NONE 0 0 44,571
Vmware Inc Cl A CL A COM 928563402 349 2,328 SH   SOLE NONE 0 0 2,328
Wal-Mart Stores Inc COM 931142103 269 2,268 SH   SOLE NONE 0 0 2,268
Waste Management Inc Del COM 94106L109 4,765 41,435 SH   SOLE NONE 0 0 41,435
Wells Fargo & Co New COM 949746101 1,279 25,354 SH   SOLE NONE 0 0 25,354
Wells Fargo L PERP PFD CNV A 949746804 1,754 1,152 SH   SOLE NONE 0 0 1,152
Xcel Energy Inc COM 98389B100 296 4,558 SH   SOLE NONE 0 0 4,558