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 21 30,800 SH   SOLE NONE 0 0 30,800
3m Company COM 88579Y101 1,334 8,952 SH   SOLE NONE 0 0 8,952
A T T Inc New COM 00206R102 6,362 212,847 SH   SOLE NONE 0 0 212,847
Abbvie Inc COM 00287Y109 2,172 27,651 SH   SOLE NONE 0 0 27,651
Adams Express Co COM 006212104 333 24,938 SH   SOLE NONE 0 0 24,938
Advanced Micro Devices COM 007903107 305 6,248 SH   SOLE NONE 0 0 6,248
Alibaba Group Hldg Adr SPONSORED ADS 01609W102 1,498 7,644 SH   SOLE NONE 0 0 7,644
Alphabet A CAP STK CL A 02079K305 5,718 4,737 SH   SOLE NONE 0 0 4,737
Alphabet C CAP STK CL C 02079K107 552 456 SH   SOLE NONE 0 0 456
Altria Group Inc COM 02209S103 464 11,554 SH   SOLE NONE 0 0 11,554
Amazon Com Inc COM 023135106 11,478 5,618 SH   SOLE NONE 0 0 5,618
Amer Electric Pwr Co Inc COM 025537101 292 3,510 SH   SOLE NONE 0 0 3,510
American Express Company COM 025816109 772 8,380 SH   SOLE NONE 0 0 8,380
Anthem Inc COM 036752103 395 1,600 SH   SOLE NONE 0 0 1,600
Apple Computer Inc COM 037833100 16,446 61,810 SH   SOLE NONE 0 0 61,810
Ark Genomic Revolution GENOMIC REV ETF 00214Q302 385 11,820 SH   SOLE NONE 0 0 11,820
Ark Innovation Etf INNOVATION ETF 00214Q104 1,937 42,104 SH   SOLE NONE 0 0 42,104
Bank Of America 7.25%CNV PFD L 060505682 1,165 883 SH   SOLE NONE 0 0 883
Bank Of America Corp COM 060505104 2,220 94,689 SH   SOLE NONE 0 0 94,689
Berkshire Hathaway Cl B CL B NEW 084670702 3,486 18,250 SH   SOLE NONE 0 0 18,250
Boeing Co COM 097023105 220 1,497 SH   SOLE NONE 0 0 1,497
Bp Plc Adr SPONSORED ADR 055622104 243 9,586 SH   SOLE NONE 0 0 9,586
Bristol-Myers Squibb Co COM 110122108 1,041 17,866 SH   SOLE NONE 0 0 17,866
C V S Corp Del COM 126650100 1,599 26,914 SH   SOLE NONE 0 0 26,914
Chevron Corporation COM 166764100 798 9,281 SH   SOLE NONE 0 0 9,281
Cisco Systems Inc COM 17275R102 2,534 60,719 SH   SOLE NONE 0 0 60,719
Citigroup Inc COM NEW 172967424 945 21,349 SH   SOLE NONE 0 0 21,349
Clorox Company COM 189054109 374 2,067 SH   SOLE NONE 0 0 2,067
Coca Cola Company COM 191216100 582 12,163 SH   SOLE NONE 0 0 12,163
Cohen Steers Qual Income COM 19247L106 414 42,934 SH   SOLE NONE 0 0 42,934
Columbia Financial, COM 197641103 182 12,420 SH   SOLE NONE 0 0 12,420
Comcast Corp New Cl A CL A 20030N101 630 16,727 SH   SOLE NONE 0 0 16,727
Corteva Inc com COM 22052L104 270 10,360 SH   SOLE NONE 0 0 10,360
Costco Whsl Corp New COM 22160K105 825 2,697 SH   SOLE NONE 0 0 2,697
Credit Suisse Asset Mana COM 224916106 268 108,370 SH   SOLE NONE 0 0 108,370
CyberArk Software Ltd SHS M2682V108 574 6,651 SH   SOLE NONE 0 0 6,651
Danaher Corp Del COM 235851102 538 3,705 SH   SOLE NONE 0 0 3,705
Disney Walt Co COM DISNEY 254687106 1,943 19,228 SH   SOLE NONE 0 0 19,228
Dominion Res Inc Va New COM 25746U109 777 9,931 SH   SOLE NONE 0 0 9,931
Dow Chemical Company COM 260557103 340 9,781 SH   SOLE NONE 0 0 9,781
Duke Energy Corp New COM NEW 26441C204 436 5,098 SH   SOLE NONE 0 0 5,098
Eaton Corporation SHS G29183103 527 6,578 SH   SOLE NONE 0 0 6,578
Eaton Vance Insured COM 27827Y109 219 19,858 SH   SOLE NONE 0 0 19,858
Emerson Electric Co COM 291011104 290 5,563 SH   SOLE NONE 0 0 5,563
Enbridge Inc COM 29250N105 312 10,999 SH   SOLE NONE 0 0 10,999
Enterprise Prd Prtnrs COM 293792107 1,014 63,436 SH   SOLE NONE 0 0 63,436
Exxon Mobil Corporation COM 30231G102 296 6,761 SH   SOLE NONE 0 0 6,761
Facebook Inc Class A CL A 30303M102 5,031 28,869 SH   SOLE NONE 0 0 28,869
Gilead Sciences Inc COM 375558103 285 3,800 SH   SOLE NONE 0 0 3,800
Goldman Sachs Group Inc COM 38141G104 499 2,819 SH   SOLE NONE 0 0 2,819
Hartford Finl Svcs Grp COM 416515104 213 5,501 SH   SOLE NONE 0 0 5,501
Heico Corp CL A 422806208 1,079 14,843 SH   SOLE NONE 0 0 14,843
Home Depot Inc COM 437076102 5,427 27,857 SH   SOLE NONE 0 0 27,857
Honeywell International COM 438516106 781 5,611 SH   SOLE NONE 0 0 5,611
Intel Corp COM 458140100 1,492 25,292 SH   SOLE NONE 0 0 25,292
International Paper Co COM 460146103 1,364 41,171 SH   SOLE NONE 0 0 41,171
Intl Business Machines COM 459200101 313 2,627 SH   SOLE NONE 0 0 2,627
Invesco QQQ Trust UNIT SER 1 46090E103 7,358 36,686 SH   SOLE NONE 0 0 36,686
Invesco SP 500 Low Volatility S&P500 LOW VOL 46138E354 804 16,133 SH   SOLE NONE 0 0 16,133
Ishares SP U S Pfd Fund PFD AND INCM SEC 464288687 243 7,434 SH   SOLE NONE 0 0 7,434
Ishares Tr Barclays Bond 1 3 YR TREAS BD 464287457 388 4,481 SH   SOLE NONE 0 0 4,481
Ishares Tr Russell RUS 1000 ETF 464287622 892 5,924 SH   SOLE NONE 0 0 5,924
Jetblue Airways Corp COM 477143101 461 51,000 SH   SOLE NONE 0 0 51,000
Johnson Johnson COM 478160104 3,276 22,866 SH   SOLE NONE 0 0 22,866
Jpmorgan Chase Co COM 46625H100 4,521 47,941 SH   SOLE NONE 0 0 47,941
Lockheed Martin Corp COM 539830109 603 1,667 SH   SOLE NONE 0 0 1,667
Lowes Companies Inc COM 548661107 379 4,021 SH   SOLE NONE 0 0 4,021
Mastercard Inc CL A 57636Q104 2,312 8,534 SH   SOLE NONE 0 0 8,534
Mc Donalds Corp COM 580135101 327 1,842 SH   SOLE NONE 0 0 1,842
Medtronic Inc SHS G5960L103 746 7,519 SH   SOLE NONE 0 0 7,519
Merck Co Inc COM 58933Y105 1,796 22,009 SH   SOLE NONE 0 0 22,009
Metlife Inc COM 59156R108 612 18,297 SH   SOLE NONE 0 0 18,297
Microsoft Corp COM 594918104 13,308 80,590 SH   SOLE NONE 0 0 80,590
Mondelez Intl Inc Cl A CL A 609207105 720 13,893 SH   SOLE NONE 0 0 13,893
Netflix Inc COM 64110L106 206 554 SH   SOLE NONE 0 0 554
Neuberger Bermn Real Est COM 64190A103 186 56,000 SH   SOLE NONE 0 0 56,000
Nike Inc Class B CL B 654106103 355 4,162 SH   SOLE NONE 0 0 4,162
Nuveen Municipal Credit COM SH BEN INT 67070X101 812 59,564 SH   SOLE NONE 0 0 59,564
Nuveen New York Dividend COM 67066X107 1,001 77,364 SH   SOLE NONE 0 0 77,364
Nuveen Nj Div Ad Muni Fd COM 67069Y102 810 62,000 SH   SOLE NONE 0 0 62,000
Nvidia Corp COM 67066G104 1,215 4,550 SH   SOLE NONE 0 0 4,550
Oracle Corporation COM 68389X105 297 5,696 SH   SOLE NONE 0 0 5,696
Paypal Holdings Inco COM 70450Y103 308 2,931 SH   SOLE NONE 0 0 2,931
Pepsico Incorporated COM 713448108 767 5,786 SH   SOLE NONE 0 0 5,786
Pfizer Incorporated COM 717081103 2,289 66,142 SH   SOLE NONE 0 0 66,142
Philip Morris Intl Inc COM 718172109 286 3,828 SH   SOLE NONE 0 0 3,828
Phillips COM 718546104 1,621 25,454 SH   SOLE NONE 0 0 25,454
Pimco Enhanced Short ENHAN SHRT MA AC 72201R833 345 3,466 SH   SOLE NONE 0 0 3,466
Pimco Total Return ACTIVE BD ETF 72201R775 5,632 52,230 SH   SOLE NONE 0 0 52,230
Procter Gamble COM 742718109 1,198 10,409 SH   SOLE NONE 0 0 10,409
Proshares Short SP 500 SHORT S&P 500 NE 74347B425 463 17,966 SH   SOLE NONE 0 0 17,966
Prudential Financial Inc COM 744320102 1,139 20,705 SH   SOLE NONE 0 0 20,705
Qualcomm Inc COM 747525103 250 3,413 SH   SOLE NONE 0 0 3,413
Rocky Mtn Choc Fact New COM 77467X101 60 15,013 SH   SOLE NONE 0 0 15,013
Rowe T Price Group Inc COM 74144T108 654 6,200 SH   SOLE NONE 0 0 6,200
Royal Dutch Shell A Adrf SPONS ADR A 780259206 2,066 54,280 SH   SOLE NONE 0 0 54,280
S P D R SP 500 Etf Tr TR UNIT 78462F103 2,251 8,214 SH   SOLE NONE 0 0 8,214
Salesforce Com COM 79466L302 1,445 9,560 SH   SOLE NONE 0 0 9,560
Sch US Div Equity Etf US DIVIDEND EQ 808524797 395 8,184 SH   SOLE NONE 0 0 8,184
Schw Intl Eq Etf INTL EQTY ETF 808524805 229 8,703 SH   SOLE NONE 0 0 8,703
Schw US Brd Mkt Etf US BRD MKT ETF 808524102 18,061 281,549 SH   SOLE NONE 0 0 281,549
Schw US Lcap Gro Etf US LCAP GR ETF 808524300 1,467 17,431 SH   SOLE NONE 0 0 17,431
Schwab Intermediate Term INTRM TRM TRES 808524854 954 16,332 SH   SOLE NONE 0 0 16,332
Schwab Short Term US SHT TM US TRES 808524862 711 13,771 SH   SOLE NONE 0 0 13,771
Sector Spdr Consumer Fd SBI CONS DISCR 81369Y407 655 6,250 SH   SOLE NONE 0 0 6,250
Sector Spdr Health Fund SBI HEALTHCARE 81369Y209 387 4,108 SH   SOLE NONE 0 0 4,108
Sector Spdr Tech Select TECHNOLOGY 81369Y803 895 10,509 SH   SOLE NONE 0 0 10,509
Sector Spdr Tr Con Stpls SBI CONS STPLS 81369Y308 608 10,554 SH   SOLE NONE 0 0 10,554
Service Now Inc COM 81762P102 461 1,681 SH   SOLE NONE 0 0 1,681
Sherwin Williams Co COM 824348106 219 448 SH   SOLE NONE 0 0 448
Spdr Long Term Treasury PORTFOLIO LN TSR 78464A664 2,698 57,171 SH   SOLE NONE 0 0 57,171
SPDR Portfolio SP 500 Value ETF PRTFLO S&P500 VL 78464A508 206 7,451 SH   SOLE NONE 0 0 7,451
Spdr SP 400 Mid Cap S&P 400 MDCP GRW 78464A821 413 9,079 SH   SOLE NONE 0 0 9,079
SPLUNK INC COM 848637104 552 4,418 SH   SOLE NONE 0 0 4,418
Square Inc CL A 852234103 256 4,493 SH   SOLE NONE 0 0 4,493
Starbucks Corp COM 855244109 886 12,375 SH   SOLE NONE 0 0 12,375
Tesla Motors Inc COM 88160R101 204 371 SH   SOLE NONE 0 0 371
The Southern Company COM 842587107 307 5,280 SH   SOLE NONE 0 0 5,280
Thermo Electron Corp COM 883556102 2,033 6,617 SH   SOLE NONE 0 0 6,617
Travelers Companies Inc COM 89417E109 555 5,290 SH   SOLE NONE 0 0 5,290
Truist Finl Corp Com COM 89832Q109 1,060 32,423 SH   SOLE NONE 0 0 32,423
U S Bancorp Del New COM NEW 902973304 762 21,368 SH   SOLE NONE 0 0 21,368
Unilever N V Ny Shs Newf N Y SHS NEW 904784709 205 4,151 SH   SOLE NONE 0 0 4,151
United Parcel Service B CL B 911312106 1,819 18,409 SH   SOLE NONE 0 0 18,409
Unitedhealth Group Inc COM 91324P102 1,444 5,390 SH   SOLE NONE 0 0 5,390
Valero Energy Corp New COM 91913Y100 2,139 41,447 SH   SOLE NONE 0 0 41,447
Vanguard Info Technology INF TECH ETF 92204A702 423 1,886 SH   SOLE NONE 0 0 1,886
Vanguard Large Cap LARGE CAP ETF 922908637 334 2,651 SH   SOLE NONE 0 0 2,651
Vanguard Mid Cap Etf MID CAP ETF 922908629 1,190 8,411 SH   SOLE NONE 0 0 8,411
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 533 3,893 SH   SOLE NONE 0 0 3,893
Veeva Systems Inc CL A COM 922475108 1,068 6,655 SH   SOLE NONE 0 0 6,655
Verizon Communications COM 92343V104 6,627 114,652 SH   SOLE NONE 0 0 114,652
Visa Inc Cl A COM CL A 92826C839 7,788 44,516 SH   SOLE NONE 0 0 44,516
Vmware Inc Cl A CL A COM 928563402 298 2,284 SH   SOLE NONE 0 0 2,284
Wal-Mart Stores Inc COM 931142103 281 2,304 SH   SOLE NONE 0 0 2,304
Waste Management Inc Del COM 94106L109 4,989 52,170 SH   SOLE NONE 0 0 52,170
Weingarten Rlty Invs Sbi SH BEN INT 948741103 464 29,250 SH   SOLE NONE 0 0 29,250
Wells Fargo Co New COM 949746101 1,478 48,797 SH   SOLE NONE 0 0 48,797
Wells Fargo L PERP PFD CNV A 949746804 1,470 1,138 SH   SOLE NONE 0 0 1,138
Xcel Energy Inc COM 98389B100 287 4,564 SH   SOLE NONE 0 0 4,564
Xtrackers MSCI EAFE Hedged Equity ETF XTRACK MSCI EAFE 233051200 4,832 175,068 SH   SOLE NONE 0 0 175,068
Yum Brands Inc COM 988498101 503 6,672 SH   SOLE NONE 0 0 6,672