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
Estimated average burden
hours per response: 23.8
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 Co COM 88579y101 1,138 8,791 SH   SOLE   8,292 0 499
AMN Healthcare Services Inc COM 001744101 1,250 11,398 SH   SOLE   11,063 0 335
AT&T Inc COM 00206R102 435 20,758 SH   SOLE   19,832 0 926
AbbVie Inc COM 00287y109 3,059 19,973 SH   SOLE   19,293 0 680
Abbott Laboratories COM 002824100 1,516 13,951 SH   SOLE   13,501 0 450
Acco Brands Corp COM 00081T108 194 29,665 SH   SOLE   27,965 0 1,700
Air Products & Chemicals Inc COM 009158106 1,597 6,639 SH   SOLE   6,639 0 0
Alphabet Inc Cl A COM 02079K305 2,807 1,288 SH   SOLE   1,189 0 99
Alphabet Inc Cl C COM 02079K107 2,769 1,266 SH   SOLE   1,173 0 93
Amazon.com Inc COM 023135106 3,071 28,910 SH   SOLE   27,790 0 1,120
American Express Co COM 025816109 241 1,735 SH   SOLE   1,635 0 100
Amgen Inc COM 031162100 2,539 10,436 SH   SOLE   9,917 0 519
Apple Inc COM 037833100 10,422 76,229 SH   SOLE   72,363 0 3,866
Archer Daniels Midland Co COM 039483102 404 5,200 SH   SOLE   5,050 0 150
Automatic Data Processing Inc COM 053015103 3,971 18,908 SH   SOLE   18,908 0 0
Autozone Inc COM 053332102 836 389 SH   SOLE   364 0 25
BP PLC - ADR COM 055622104 524 18,500 SH   SOLE   18,500 0 0
Bank of America Corp COM 060505104 226 7,271 SH   SOLE   6,771 0 500
Bank of New York Mellon Corp COM 064058100 357 8,548 SH   SOLE   7,853 0 695
BankUnited Inc COM 06652k103 269 7,566 SH   SOLE   6,585 0 981
Baxter Intl Inc COM 071813109 689 10,731 SH   SOLE   10,308 0 423
Baxter Intl Inc COM 071813109 13 200 SH Call SOLE   0 0 200
Berkshire Hathaway Inc COM 084670702 309 1,132 SH   SOLE   1,132 0 0
BlackRock Inc COM 09247x101 2,291 3,761 SH   SOLE   3,469 0 292
Boeing Co COM 097023105 622 4,551 SH   SOLE   4,431 0 120
Bristol-Myers Squibb Co COM 110122108 1,590 20,649 SH   SOLE   19,388 0 1,261
CDK Global Inc COM 12508e101 336 6,133 SH   SOLE   6,133 0 0
CH Robinson Worldwide Inc COM 12541w209 983 9,693 SH   SOLE   8,968 0 725
CVS Health Corp COM 126650100 1,480 15,971 SH   SOLE   14,972 0 999
Calavo Growers Inc COM 128246105 203 4,858 SH   SOLE   4,520 0 338
Campbell Soup Co COM 134429109 359 7,475 SH   SOLE   7,415 0 60
Capital One Financial Corp COM 14040h105 1,224 11,743 SH   SOLE   10,936 0 807
Carrier Global Corp COM 14448c104 237 6,637 SH   SOLE   6,129 0 508
Caterpillar Inc COM 149123101 645 3,608 SH   SOLE   3,373 0 235
Chevron Corp COM 166764100 1,652 11,412 SH   SOLE   10,884 0 528
Cigna Corp COM 125523100 1,465 5,559 SH   SOLE   5,262 0 297
Cisco Systems Inc COM 17275R102 1,900 44,559 SH   SOLE   40,875 0 3,684
Citigroup Inc COM 172967424 403 8,772 SH   SOLE   8,448 0 324
Clorox Co COM 189054109 235 1,667 SH   SOLE   1,667 0 0
Comcast Corp COM 20030n101 1,204 30,677 SH   SOLE   28,432 0 2,245
Communication Services Sector COM 81369y852 1,477 27,224 SH   SOLE   25,729 0 1,495
Community Trust Bancorp Inc COM 204149108 272 6,727 SH   SOLE   6,502 0 225
Competitive Companies Inc COM 204510101 0 700,000 SH   SOLE   700,000 0 0
ConocoPhillips COM 20825c104 982 10,934 SH   SOLE   10,147 0 787
Consolidated Edison Inc COM 209115104 356 3,743 SH   SOLE   3,628 0 115
Consumer Staples Select Sector COM 81369y308 503 6,967 SH   SOLE   6,967 0 0
Corning Inc COM 219350105 1,321 41,931 SH   SOLE   38,924 0 3,007
Corteva Inc COM 22052l104 253 4,673 SH   SOLE   4,673 0 0
Crown Castle Intl Corp COM 22822v101 972 5,775 SH   SOLE   5,395 0 380
Cummins Inc COM 231021106 270 1,397 SH   SOLE   1,347 0 50
Devon Energy Corporation COM 25179m103 1,529 27,745 SH   SOLE   25,649 0 2,096
Dollar General Corp COM 256677105 245 1,000 SH   SOLE   1,000 0 0
Dow Inc COM 260557103 338 6,540 SH   SOLE   6,369 0 171
DuPont de Nemours Inc COM 263534109 260 4,673 SH   SOLE   4,673 0 0
Eaton Corp PLC COM G29183103 364 2,890 SH   SOLE   2,890 0 0
Energy Select Sector SPDR ETF COM 81369y506 2,301 32,182 SH   SOLE   30,654 0 1,528
Enterprise Prods Partners LP COM 293792107 207 8,482 SH   SOLE   8,482 0 0
Exxon Mobil Corp COM 30231g102 3,100 36,193 SH   SOLE   35,032 0 1,161
FactSet Research Systems Inc COM 303075105 695 1,807 SH   SOLE   1,807 0 0
FedEx Corp COM 31428x106 1,201 5,298 SH   SOLE   4,843 0 455
First Trust Dow Jones Internet COM 33733E302 1,122 8,830 SH   SOLE   8,192 0 638
Foot Locker Inc COM 344849104 401 15,878 SH   SOLE   14,753 0 1,125
General Electric Co COM 369604103 323 5,068 SH   SOLE   5,068 0 0
General Mills Inc COM 370334104 1,687 22,360 SH   SOLE   21,359 0 1,001
General Motors Co COM 37045v100 815 25,670 SH   SOLE   23,790 0 1,880
Gentex Corp COM 371901109 681 24,339 SH   SOLE   23,389 0 950
Geopharma Inc COM 37250a106 0 40,000 SH   SOLE   40,000 0 0
Global X U.S. Infrastructure D COM 37954y673 780 34,244 SH   SOLE   32,064 0 2,180
Goldman Sachs Group Inc COM 38141G104 707 2,379 SH   SOLE   2,289 0 90
Home Depot Inc COM 437076102 339 1,236 SH   SOLE   1,207 0 29
Huntsman Corp COM 447011107 937 33,066 SH   SOLE   30,486 0 2,580
Illinois Tool Works Inc COM 452308109 1,061 5,821 SH   SOLE   5,496 0 325
Industrial Select Sector SPDR COM 81369y704 326 3,732 SH   SOLE   3,632 0 100
Intel Corp COM 458140100 1,194 31,919 SH   SOLE   30,648 0 1,271
International Business Machine COM 459200101 2,805 19,868 SH   SOLE   19,031 0 837
Invesco Dynamic Pharmaceutical COM 46137V662 1,592 21,237 SH   SOLE   19,977 0 1,260
Invesco KBW Bank ETF COM 46138e628 659 12,730 SH   SOLE   11,980 0 750
Invesco S&P 500 Eq Weight Finc COM 46137v340 734 13,793 SH   SOLE   12,928 0 865
Iron Mountain Inc COM 46284v101 1,552 31,878 SH   SOLE   30,278 0 1,600
J.M. Smucker Co COM 832696405 337 2,635 SH   SOLE   2,560 0 75
JP Morgan Chase & Co COM 46625h100 2,221 19,727 SH   SOLE   18,642 0 1,085
JetBlue Airways Corp COM 477143101 167 20,000 SH   SOLE   20,000 0 0
Johnson & Johnson COM 478160104 3,204 18,051 SH   SOLE   17,074 0 977
L3 Harris Technologies Inc COM 502431109 713 2,948 SH   SOLE   2,948 0 0
Lockheed Martin Corp COM 539830109 262 610 SH   SOLE   584 0 26
Lowe's Cos Inc COM 548661107 7,449 42,644 SH   SOLE   42,092 0 552
Marsh & McLennan Cos Inc COM 571748102 1,780 11,468 SH   SOLE   10,838 0 630
Materials Select Sector SPDR E COM 81369y100 2,375 32,270 SH   SOLE   30,950 0 1,320
McDonald's Corp COM 580135101 928 3,758 SH   SOLE   3,717 0 41
McKesson Corp COM 58155q103 391 1,200 SH   SOLE   1,200 0 0
Medtronic PLC COM G5960L103 1,045 11,643 SH   SOLE   10,896 0 747
Merck & Co Inc COM 58933y105 406 4,457 SH   SOLE   4,279 0 178
MetLife Inc COM 59156r108 2,235 35,597 SH   SOLE   33,019 0 2,578
Meta Platforms Inc COM 30303m102 768 4,763 SH   SOLE   4,453 0 310
Microsoft Corp COM 594918104 9,065 35,295 SH   SOLE   32,532 0 2,763
NXP Semiconductors NV COM N6596X109 601 4,063 SH   SOLE   3,963 0 100
Nike Inc COM 654106103 801 7,837 SH   SOLE   7,182 0 655
Nvidia Corp COM 67066g104 211 1,394 SH   SOLE   1,394 0 0
Occidental Petroleum Corp COM 674599105 441 7,496 SH   SOLE   7,005 0 491
Old Republic Int'l Corp COM 680223104 1,355 60,618 SH   SOLE   56,359 0 4,259
Oracle Corp COM 68389X105 869 12,442 SH   SOLE   11,308 0 1,134
Otis Worldwide Corp COM 68902v107 622 8,806 SH   SOLE   8,153 0 653
PNC Financial Services Group I COM 693475105 1,228 7,784 SH   SOLE   7,374 0 410
Packaging Corp of America COM 695156109 261 1,900 SH   SOLE   1,828 0 72
Paypal Holdings Inc COM 70450y103 337 4,825 SH   SOLE   4,385 0 440
Pepsico Inc COM 713448108 2,433 14,596 SH   SOLE   14,356 0 240
Pfizer Inc COM 717081103 914 17,441 SH   SOLE   16,808 0 633
Physicians Realty Trust COM 71943U104 632 36,203 SH   SOLE   33,778 0 2,425
Procter & Gamble Co COM 742718109 2,184 15,186 SH   SOLE   14,342 0 844
PureFunds ISE Cyber Security E COM 26924G201 588 12,836 SH   SOLE   11,636 0 1,200
Qualcomm Inc COM 747525103 1,016 7,952 SH   SOLE   7,640 0 312
Raytheon Technologies COM 75513e101 1,771 18,425 SH   SOLE   17,072 0 1,353
Royal Caribbean Cruises COM V7780T103 225 6,451 SH   SOLE   6,116 0 335
SPDR S&P Regional Banking COM 78464a698 698 12,008 SH   SOLE   11,458 0 550
Schlumberger Ltd COM 806857108 798 22,308 SH   SOLE   20,448 0 1,860
Seagate Technology PLC COM g7997r103 840 11,754 SH   SOLE   10,948 0 806
Skyworks Solutions Inc COM 83088m102 869 9,385 SH   SOLE   8,770 0 615
Sonoco Products Co COM 835495102 282 4,947 SH   SOLE   4,764 0 183
Stanley Black & Decker Inc COM 854502101 762 7,264 SH   SOLE   6,744 0 520
Starbucks Corp COM 855244109 846 11,070 SH   SOLE   10,225 0 845
Stryker Corp COM 863667101 1,044 5,248 SH   SOLE   5,060 0 188
Synchrony Financial COM 87165b103 1,293 46,812 SH   SOLE   43,212 0 3,600
Sysco Corp COM 871829107 1,672 19,733 SH   SOLE   18,906 0 827
Target Corp COM 87612E106 1,414 10,015 SH   SOLE   9,454 0 561
Technology Select Sector SPDR COM 81369y803 1,717 13,504 SH   SOLE   12,789 0 715
Texas Instruments Inc COM 882508104 1,341 8,727 SH   SOLE   8,167 0 560
Thermo Fisher Scientific Inc COM 883556102 1,401 2,578 SH   SOLE   2,381 0 197
United Parcel Service Inc COM 911312106 356 1,950 SH   SOLE   1,897 0 53
United Rentals Inc COM 911363109 1,037 4,268 SH   SOLE   4,012 0 256
Universal Health Realty Income COM 91359e105 238 4,481 SH   SOLE   4,229 0 252
Unum Group COM 91529y106 544 16,004 SH   SOLE   14,442 0 1,562
Utilities Select Sector SPDR E COM 81369y886 902 12,855 SH   SOLE   11,835 0 1,020
VanEck Semiconductor COM 92189f676 635 3,118 SH   SOLE   2,948 0 170
Vanguard Telecommunication Ser COM 92204a884 2,035 21,644 SH   SOLE   19,686 0 1,958
Vanguard Utilities ETF COM 92204a876 1,983 13,013 SH   SOLE   12,091 0 922
Vectors Oil Services ETF COM 92189h607 638 2,745 SH   SOLE   2,565 0 180
Veeco Instruments Inc COM 922417100 314 16,208 SH   SOLE   14,758 0 1,450
Verizon Communications Inc COM 92343V104 909 17,902 SH   SOLE   16,732 0 1,170
Visa Inc COM 92826c839 1,300 6,602 SH   SOLE   6,177 0 425
Vista Gold Corp COM 927926303 20 30,000 SH   SOLE   30,000 0 0
Wal-Mart Stores Inc COM 931142103 2,160 17,767 SH   SOLE   16,621 0 1,146
Walgreens Boots Alliance Inc COM 931427108 467 12,327 SH   SOLE   11,743 0 584
Walt Disney Co COM 254687106 685 7,258 SH   SOLE   6,883 0 375
Waste Management Inc COM 94106l109 326 2,132 SH   SOLE   2,132 0 0
Wells Fargo & Co COM 949746101 463 11,824 SH   SOLE   11,524 0 300
Whirlpool Corp COM 963320106 755 4,877 SH   SOLE   4,547 0 330
iShares Goldman Sachs Nat Res COM 464287374 440 12,232 SH   SOLE   12,232 0 0
iShares US Aerospace & Defense COM 464288760 1,138 11,470 SH   SOLE   10,795 0 675
iShares US Broker-Dealers Inde COM 464288794 207 2,470 SH   SOLE   2,470 0 0
iShares US Healthcare Provider COM 464288828 909 3,558 SH   SOLE   3,288 0 270
SPDR Portfolio S&P 500 High Di ETF 78468r788 668 16,749 SH   SOLE   16,749 0 0
VanEck Morningstar Wide Moat E ETF 92189f643 435 6,823 SH   SOLE   6,823 0 0
iShares S&P 500 Growth ETF 464287309 3,518 58,290 SH   SOLE   54,190 0 4,100
iShares S&P 500 Value Index ETF 464287408 1,368 9,950 SH   SOLE   9,270 0 680
iShares S&P Midcap 400 Growth ETF 464287606 2,036 31,942 SH   SOLE   29,912 0 2,030
iShares S&P Midcap 400/BARRA V ETF 464287705 1,710 18,111 SH   SOLE   17,036 0 1,075
iShares S&P Smallcap 600/BARRA ETF 464287887 4,009 38,061 SH   SOLE   35,326 0 2,735
iShares Semiconductor ETF ETF 464287523 297 851 SH   SOLE   851 0 0
BNY Mellon Midcap Index Fund IND 05588m209 2,344 81,839 SH   SOLE   73,677 0 8,162
BNY Mellon Small Cap Stock Ind IND 09661l401 351 12,943 SH   SOLE   12,428 0 516
Fidelity 500 Index IND 315911750 286 2,167 SH   SOLE   2,148 0 19
Invesco QQQ Trust Series 1 IND 46090E103 11,309 40,348 SH   SOLE   38,217 0 2,131
Invesco S&P 500 Equal Weight E IND 46137v357 12,710 94,688 SH   SOLE   89,357 0 5,331
SPDR Dow Jones Industrial Avg IND 78467x109 532 1,728 SH   SOLE   1,631 0 97
SPDR S&P 500 ETF Trust IND 78462F103 24,379 64,623 SH   SOLE   60,867 0 3,756
SPDR S&P 500 ETF Trust IND 78462F103 38 100 SH Put SOLE   0 0 100
SPDR S&P MidCap 400 ETF Trust IND 78467y107 8,879 21,473 SH   SOLE   20,370 0 1,103
Schwab S&P 500 Index Fund IND 808509855 5,755 98,580 SH   SOLE   88,410 0 10,171
Schwab Small-Cap Index Fund IND 808509848 2,027 73,716 SH   SOLE   66,388 0 7,328
Schwab US Mid-Cap Index IND 80850L726 392 7,952 SH   SOLE   7,375 0 577
iShares Russell 2000 Index Fun IND 464287655 5,745 33,922 SH   SOLE   32,070 0 1,852
iShares Russell Microcap Index IND 464288869 4,131 39,739 SH   SOLE   37,076 0 2,663
iShares S&P Midcap 400 IND 464287507 223 986 SH   SOLE   886 0 100
iShares MSCI EAFE Index ETF 464287465 3,002 48,047 SH   SOLE   45,134 0 2,913
iShares MSCI Mexico Capped Inv ETF 464286822 568 12,201 SH   SOLE   11,351 0 850
Airtech Inlt Group Reg Revoked COM 00950F205 0 350,000 SH   SOLE   350,000 0 0
Amarin Corporation PLC - ADR COM 023111206 34 23,000 SH   SOLE   23,000 0 0
Bristol-Myers Squibb Co COM 110122108 308 4,000 SH   SOLE   4,000 0 0
Eli Lilly & Co COM 532457108 2,448 7,550 SH   SOLE   7,550 0 0
Hemp Inc COM 423703206 0 25,100 SH   SOLE   25,100 0 0
Humbl Inc COM 44501q104 1 20,000 SH   SOLE   20,000 0 0
Kona Gold Beverage Inc COM 50049K103 0 10,000 SH   SOLE   10,000 0 0
Tesla Motors Inc COM 88160r101 1,332 1,978 SH   SOLE   1,958 0 20
SPDR Blackstone Senior Loan ET ETF 78467v608 454 10,905 SH   SOLE   10,905 0 0
iShares IBOXX $ Investment Gra ETF 464287242 345 3,135 SH   SOLE   3,135 0 0
Annaly Capital Management Inc CEF 035710409 842 142,437 SH   SOLE   128,912 0 13,525
BNY Mellon High Yield Strategi CEF 09660l105 44 19,585 SH   SOLE   19,585 0 0
Barings Corporate Investors CEF 06759x107 662 49,337 SH   SOLE   42,012 0 7,325
BlackRock MuniHoldings CEF 09254X101 162 12,268 SH   SOLE   12,268 0 0
Calamos Convertible & High Inc CEF 12811p108 2,767 247,679 SH   SOLE   229,034 0 18,645
Calamos Convertible Opp & Inc CEF 128117108 344 32,050 SH   SOLE   32,050 0 0
Fidelity New Markets Income CEF 315910836 711 62,192 SH   SOLE   55,679 0 6,513
Invesco CEF Income Composite CEF 46138E404 2,723 143,942 SH   SOLE   131,540 0 12,402
Nuveen AMT-Free Municipal Inco CEF 670657105 149 12,656 SH   SOLE   12,656 0 0
SPDR Barclays Short-Term High CEF 78468r408 2,055 85,207 SH   SOLE   77,655 0 7,552
iShares IBOXX H/Y Corp Bond CEF 464288513 207 2,816 SH   SOLE   2,816 0 0
iShares S&P Preferred Stock In CEF 464288687 3,003 91,329 SH   SOLE   84,412 0 6,917
Alerian MLP ETF ETF 00162q452 561 16,276 SH   SOLE   14,052 0 2,224
Global X SuperDividend ETF ETF 37950e549 167 18,000 SH   SOLE   16,140 0 1,860
SPDR S&P Dividend ETF ETF 78464a763 3,140 26,453 SH   SOLE   24,330 0 2,123
SPDR S&P Intl Dividend ETF ETF 78463x772 819 23,876 SH   SOLE   20,075 0 3,801
Vanguard High Dividend Yield E ETF 921946406 4,819 47,384 SH   SOLE   42,637 0 4,747
iShares DJ Select Dividend Ind ETF 464287168 8,232 69,958 SH   SOLE   62,887 0 7,071