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
AbbVie Inc. Common Stock COM 00287Y109 479 5,406 SH   SOLE   0 0 6,045
Accenture Ltd. COM G1151C101 491 2,332 SH   SOLE   0 0 2,332
Air Products & Chemicals Inc. COM 009158106 307 1,308 SH   SOLE   0 0 1,308
Allison Transmission Holdings COM 01973R101 401 8,296 SH   SOLE   0 0 8,296
Alphabet Inc. Cap Stk Cl A COM 02079K305 518 388 SH   SOLE   0 0 398
American Express Company COM 025816109 410 3,290 SH   SOLE   0 0 3,290
American Finance Trust Inc COM 02607T109 413 31,118 SH   SOLE   0 0 31,118
American Intl Group Inc Wts Ex COM ACG874152 0 69,665 SH   SOLE   0 0 69,665
Anfield Universal Fixed Income COM 90214Q766 121 12,487 SH   SOLE   0 0 12,487
Ansys, Inc. COM 03662Q105 483 1,878 SH   SOLE   0 0 1,878
Apple Computer COM 037833100 773 2,769 SH   SOLE   0 0 4,049
AT&T Inc Com COM 00206R102 761 19,411 SH   SOLE   0 0 23,356
Avery Dennison Corp. COM 053611109 309 2,364 SH   SOLE   0 0 2,364
Bank of America COM 060505104 280 7,947 SH   SOLE   0 0 7,947
BCE Inc. COM 05534B760 305 6,571 SH   SOLE   0 0 6,571
Berkshire Hathaway Inc. COM 084670108 340 1 SH   SOLE   0 0 1
Best Buy Co. Inc. COM 086516101 479 5,453 SH   SOLE   0 0 5,853
BP plc COM 055622104 323 8,544 SH   SOLE   0 0 9,044
Canadian Imperial Bank of Comm COM 136069101 335 4,030 SH   SOLE   0 0 4,030
Cardiovascular Biotherapeutics COM 141607101 0 10,000 SH   SOLE   0 0 10,000
CDW Corporation COM 12514G108 482 3,370 SH   SOLE   0 0 3,449
Chevron Corporation COM 166764100 682 3,626 SH   SOLE   0 0 25,902
Cisco Systems, Inc COM 17275R102 491 10,273 SH   SOLE   0 0 12,247
Coca-Cola Company COM 191216100 300 5,419 SH   SOLE   0 0 5,419
Cole Office & Industrial REIT COM 193293107 1,931 193,073 SH   SOLE   0 0 193,073
Comcast Corporation COM 20030N101 454 10,086 SH   SOLE   0 0 10,182
Conoco Phillips COM 20825C104 230 3,196 SH   SOLE   0 0 6,467
CVS Corp COM 126650100 245 3,303 SH   SOLE   0 0 3,303
Delta Air Lines Inc. COM 247361702 395 6,758 SH   SOLE   0 0 6,758
Dominion Energy, Inc. COM 25746U109 356 4,300 SH   SOLE   0 0 4,300
DR Horton Inc. COM 23331A109 420 7,962 SH   SOLE   0 0 7,962
Duke Energy COM 26441C204 334 3,661 SH   SOLE   0 0 3,748
Eaton Vance Tax-Managed Buy-Wr COM 27828Y108 1,684 112,642 SH   SOLE   0 0 112,642
Emergent BioSolutions Inc COM 29089Q105 389 7,212 SH   SOLE   0 0 7,212
Encompass Health Corporation COM 29261A100 393 5,672 SH   SOLE   0 0 5,672
Eversource Energy COM 30040W108 337 3,956 SH   SOLE   0 0 3,956
Exxon Mobil COM 30231G102 502 4,543 SH   SOLE   0 0 28,052
Facebook, Inc. COM 30303M102 265 1,290 SH   SOLE   0 0 1,290
Fidelity National Information COM 31620M106 448 3,222 SH   SOLE   0 0 3,222
First Trust Senior Loan ETF COM 33738D309 2,057 42,929 SH   SOLE   0 0 42,929
First Trust TCW Opportunistic COM 33740F805 780 15,044 SH   SOLE   0 0 15,044
General Mills, Inc. COM 370334104 392 7,326 SH   SOLE   0 0 7,326
Gilead Sciences Inc. COM 375558103 248 3,815 SH   SOLE   0 0 3,815
GlaxoSmithKline plc COM 37733W105 382 8,136 SH   SOLE   0 0 8,136
Global X MLP ETF COM 37950E473 130 16,554 SH   SOLE   0 0 16,554
Griffin Cap Essential Asset RE COM 39818P302 208 21,844 SH   SOLE   0 0 21,844
Hannon Armstrong Sustainable I COM 41068X100 370 11,484 SH   SOLE   0 0 11,484
Hill Rom Hldgs Com COM 431475102 392 3,449 SH   SOLE   0 0 3,449
Home Depot, Inc. COM 437076102 331 1,692 SH   SOLE   0 0 3,567
Huntington Bancshares Inc. COM 446150104 218 14,487 SH   SOLE   0 0 14,487
Ingersoll-Rand Co. Ltd. COM G47791101 237 1,795 SH   SOLE   0 0 1,987
Intel COM 458140100 575 9,688 SH   SOLE   0 0 10,368
Invesco QQQ Trust ETF COM 46090E103 3,903 18,383 SH   SOLE   0 0 18,676
Invesco S&P 500 Equal Weight E COM 46137V357 6,015 51,985 SH   SOLE   0 0 51,985
IQVIA Holdings Inc COM 46266C105 415 2,686 SH   SOLE   0 0 2,686
iShares Barclays Short Treasur COM 464288679 318 2,881 SH   SOLE   0 0 2,881
iShares COMEX Gold Trust COM 464285105 271 18,706 SH   SOLE   0 0 18,706
iShares Core MSCI EAFE ETF COM 46432F842 3,699 56,687 SH   SOLE   0 0 56,687
iShares Core MSCI Emerging Mar COM 46434G103 3,395 63,152 SH   SOLE   0 0 63,152
iShares Core S&P Total US Stoc COM 464287150 12,757 175,505 SH   SOLE   0 0 175,505
iShares Dow Jones Select Divid COM 464287168 913 8,641 SH   SOLE   0 0 8,641
iShares Dow Jones US Medical D COM 464288810 4,185 15,834 SH   SOLE   0 0 15,834
iShares Dow Jones US Utilities COM 464287697 1,254 7,734 SH   SOLE   0 0 7,734
iShares Edge High Yield Defens COM 46435G250 3,141 61,886 SH   SOLE   0 0 61,886
iShares Edge MSCI USA Quality COM 46432F339 4,380 43,362 SH   SOLE   0 0 43,362
iShares Government/Credit Bond COM 464288596 498 4,233 SH   SOLE   0 0 4,233
iShares Midcap 400/Barra Growt COM 464287606 1,935 8,124 SH   SOLE   0 0 8,124
iShares Morningstar Mid Growth COM 464288307 1,891 7,191 SH   SOLE   0 0 7,191
iShares MSCI Emerging Mkts COM 464287234 317 7,058 SH   SOLE   0 0 7,058
iShares MSCI USA Equal Weighte COM 464286681 2,489 38,911 SH   SOLE   0 0 38,911
iShares MSCI USA Min Volatilit COM 46429B697 11,012 167,863 SH   SOLE   0 0 167,863
iShares Russell 2000 Index COM 464287655 551 3,324 SH   SOLE   0 0 3,384
iShares Russell Midcap Index COM 464287499 768 12,880 SH   SOLE   0 0 12,880
iShares S&P 500 Index COM 464287200 15,607 48,286 SH   SOLE   0 0 48,378
iShares S&P 500/Barra Growth COM 464287309 2,908 15,016 SH   SOLE   0 0 15,016
iShares S&P 500/Barra Value COM 464287408 1,029 7,911 SH   SOLE   0 0 7,911
iShares S&P Global Technology COM 464287291 3,588 17,047 SH   SOLE   0 0 17,047
iShares S&P MidCap 400 COM 464287705 399 2,336 SH   SOLE   0 0 2,336
iShares S&P Midcap 400 COM 464287507 2,108 10,241 SH   SOLE   0 0 10,241
iShares S&P Small Cap 600 COM 464287804 1,505 17,957 SH   SOLE   0 0 18,267
iShares S&P SmallCap 600/BARRA COM 464287887 902 4,665 SH   SOLE   0 0 4,665
iShares Small Cap 600/Barra Va COM 464287879 262 1,630 SH   SOLE   0 0 1,630
Ishares Tr Dow Jones Us Consum COM 464287580 889 3,893 SH   SOLE   0 0 3,893
iShares: MSCI EAFE Index Fund COM 464287465 930 13,391 SH   SOLE   0 0 13,391
J.P. Morgan Chase & Co. COM 46625H100 448 3,213 SH   SOLE   0 0 3,213
Johnson & Johnson COM 478160104 295 2,454 SH   SOLE   0 0 10,677
Kimberly-Clark Corp. COM 494368103 478 3,474 SH   SOLE   0 0 3,574
Lam Research Corporation COM 512807108 514 1,756 SH   SOLE   0 0 1,756
Mastercard Inc. COM 57636Q104 427 1,445 SH   SOLE   0 0 1,595
Medtronic Inc. COM G5960L103 420 3,702 SH   SOLE   0 0 3,702
Metlife Inc COM 59156R108 396 7,769 SH   SOLE   0 0 7,769
Metro One Telecommunications, COM G47567105 1,005 13,342 SH   SOLE   0 0 13,342
Microsoft Corporation COM 594918104 886 5,718 SH   SOLE   0 0 6,338
Mondelez International, Inc. COM 609207105 412 7,482 SH   SOLE   0 0 7,482
Morgan Stanley COM 617446448 431 8,429 SH   SOLE   0 0 8,429
National Grid plc COM 636274409 278 4,434 SH   SOLE   0 0 4,461
Nautilus Minerals Inc. COM 639097104 0 22,163 SH   SOLE   0 0 22,163
NextEra Energy, Inc. COM 65339F101 425 1,755 SH   SOLE   0 0 1,755
Norfolk Southern Corp COM 655844108 421 2,174 SH   SOLE   0 0 2,274
NVIDIA Corp. COM 67066G104 1,166 4,957 SH   SOLE   0 0 4,957
O'Shares FTSE US Quality Divid COM 67110P407 1,253 34,210 SH   SOLE   0 0 34,210
Pfizer Inc. COM 717081103 416 10,629 SH   SOLE   0 0 10,629
Philip Morris International In COM 718172109 347 4,077 SH   SOLE   0 0 4,077
Phillips Edison Grocery Center COM 71844V102 3,677 331,276 SH   SOLE   0 0 331,276
PPL Corp. COM 69351T106 279 7,775 SH   SOLE   0 0 7,775
ResMed Inc. COM 761152107 440 2,838 SH   SOLE   0 0 2,838
Royal Caribbean Cruises Ltd. COM V7780T103 501 3,753 SH   SOLE   0 0 3,753
Schlumberger Ltd. COM 806857108 421 9,730 SH   SOLE   0 0 15,008
Smartstop Self Storage REIT In COM 83192D105 608 57,014 SH   SOLE   0 0 57,014
Southern Co. COM 842587107 222 3,496 SH   SOLE   0 0 3,585
SPDR BarCap ST High Yield Bond COM 78468R408 210 7,792 SH   SOLE   0 0 7,792
SPDR Gold Shares COM 78463V107 1,285 8,990 SH   SOLE   0 0 8,990
SPDR MSCI EAFE StrategicFactor COM 78463X434 2,678 40,105 SH   SOLE   0 0 40,105
SPDR MSCI Emerging Markets Str COM 78463X426 1,373 22,579 SH   SOLE   0 0 22,579
SPDR MSCI USA StrategicFactors COM 78468R812 4,955 52,322 SH   SOLE   0 0 52,322
SPDR Portfolio Short Term Trea COM 78468R101 334 11,142 SH   SOLE   0 0 11,142
SPDR Portfolio Small Cap ETF COM 78468R853 1,682 51,550 SH   SOLE   0 0 51,550
SPDR S&P Emerging Markets Smal COM 78463X756 260 5,654 SH   SOLE   0 0 5,654
SPDR S&P International Small C COM 78463X871 407 12,763 SH   SOLE   0 0 12,763
SPDR SSgA Multi-Asset Real Ret COM 78467V103 582 22,919 SH   SOLE   0 0 22,919
Starwood Property Trust, Inc. COM 85571B105 392 15,748 SH   SOLE   0 0 15,748
Stewart Information Services C COM 860372101 10,069 246,852 SH   SOLE   0 0 246,852
Sysco Corp. COM 871829107 466 5,395 SH   SOLE   0 0 5,928
T-Mobile US, Inc. COM 872590104 408 5,198 SH   SOLE   0 0 5,198
Tractor Supply Company COM 892356106 423 4,524 SH   SOLE   0 0 4,524
Truist Financial Corp COM 89832Q109 420 7,460 SH   SOLE   0 0 7,460
Vanguard FTSE Developed Market COM 921943858 1,238 28,102 SH   SOLE   0 0 28,102
Vanguard Growth ETF COM 922908736 2,221 12,193 SH   SOLE   0 0 12,193
Vanguard MSCI Emerging Markets COM 922042858 507 11,410 SH   SOLE   0 0 11,410
Vanguard S&P 500 ETF COM 922908363 3,690 12,476 SH   SOLE   0 0 12,476
Vanguard Small Cap ETF COM 922908751 646 3,902 SH   SOLE   0 0 3,902
Vanguard Total International S COM 921909768 309 5,544 SH   SOLE   0 0 5,544
Vanguard Total Stock Market ET COM 922908769 751 4,589 SH   SOLE   0 0 4,589
Vanguard Value ETF COM 922908744 1,899 15,846 SH   SOLE   0 0 15,846
Verizon Communications COM 92343V104 844 13,738 SH   SOLE   0 0 13,907
Visa Inc. COM 92826C839 408 2,203 SH   SOLE   0 0 2,611
WalMart COM 931142103 223 1,873 SH   SOLE   0 0 2,173
Walt Disney Company COM 254687106 489 3,366 SH   SOLE   0 0 4,731
Waste Management Inc. COM 94106L109 375 3,290 SH   SOLE   0 0 3,290
WisdomTree Europe Hedged Equit COM 97717X701 1,255 17,778 SH   SOLE   0 0 17,778
WisdomTree US Quality Dividend COM 97717X669 1,654 34,112 SH   SOLE   0 0 34,112
Zoetis Inc. COM 98978V103 421 3,180 SH   SOLE   0 0 3,200