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
AON Corp COM G0403H108 441 1,466 SH   SOLE   0 0 1,466
Johnson Controls PLC COM G51502105 221 2,720 SH   SOLE   0 0 2,720
Medtronic plc COM G5960L103 2,403 23,225 SH   SOLE   0 0 23,225
TE Connectivity Ltd COM H84989104 250 1,550 SH   SOLE   0 0 1,550
AT&T Corp COM 00206R102 313 12,730 SH   SOLE   0 0 12,730
Abbott Labs COM 002824100 823 5,845 SH   SOLE   0 0 5,845
AbbVie Inc COM 00287Y109 526 3,887 SH   SOLE   0 0 3,887
ETFS Phys. Swiss Gold Shares ETF 00326A104 10,402 592,383 SH   SOLE   0 0 592,383
Advanced Micro Devices COM 007903107 432 3,001 SH   SOLE   0 0 3,001
Alibaba Group Hldg Adr ADR 01609W102 378 3,179 SH   SOLE   0 0 3,179
Allstate Corp COM 020002101 450 3,824 SH   SOLE   0 0 3,824
Alphabet, Inc. Cl C COM 02079K107 3,221 1,113 SH   SOLE   0 0 1,113
Alphabet, Inc. Cl A COM 02079K305 9,337 3,223 SH   SOLE   0 0 3,223
Altria Group Inc COM 02209S103 362 7,635 SH   SOLE   0 0 7,635
Amazon.com COM 023135106 3,451 1,035 SH   SOLE   0 0 1,035
American Tower Corp COM 03027X100 611 2,088 SH   SOLE   0 0 2,088
Amgen Inc COM 031162100 2,227 9,901 SH   SOLE   0 0 9,901
Apple, Inc COM 037833100 14,038 79,057 SH   SOLE   0 0 79,057
Applied Materials COM 038222105 506 3,214 SH   SOLE   0 0 3,214
Aptose Biosciences COM 03835T200 19 13,915 SH   SOLE   0 0 13,915
Ashford Hospitality Trust Inc COM 044103869 157 16,332 SH   SOLE   0 0 16,332
Automatic Data Processing COM 053015103 1,182 4,793 SH   SOLE   0 0 4,793
Bank Of America COM 060505104 2,532 56,915 SH   SOLE   0 0 56,915
Becton Dickinson COM 075887109 259 1,028 SH   SOLE   0 0 1,028
Berkshire Hathaway B COM 084670702 2,130 7,123 SH   SOLE   0 0 7,123
Blackstone Group Lp COM 09260D107 1,096 8,472 SH   SOLE   0 0 8,472
Boeing Co COM 097023105 231 1,146 SH   SOLE   0 0 1,146
Bristol Myers Squibb COM 110122108 1,316 21,100 SH   SOLE   0 0 21,100
Broadcom Limited COM 11135F101 1,825 2,743 SH   SOLE   0 0 2,743
CVS Health Corporation COM 126650100 2,637 25,565 SH   SOLE   0 0 25,565
Carrier Global Corp COM 14448C104 257 4,743 SH   SOLE   0 0 4,743
Chase Corp COM 16150R104 359 3,610 SH   SOLE   0 0 3,610
ChevronTexaco Corp COM 166764100 1,668 14,210 SH   SOLE   0 0 14,210
Cisco Systems COM 17275R102 2,339 36,914 SH   SOLE   0 0 36,914
Citigroup Inc COM 172967424 319 5,290 SH   SOLE   0 0 5,290
Citizens Financial Group COM 174610105 545 11,527 SH   SOLE   0 0 11,527
Clearside Biomedical Inc COM 185063104 71 25,823 SH   SOLE   0 0 25,823
Coca Cola COM 191216100 675 11,393 SH   SOLE   0 0 11,393
Commercial Metals Co COM 201723103 603 16,625 SH   SOLE   0 0 16,625
Conoco Phillips COM 20825C104 246 3,405 SH   SOLE   0 0 3,405
Constellation Brands COM 21036P108 488 1,945 SH   SOLE   0 0 1,945
Corteva Inc COM 22052L104 207 4,374 SH   SOLE   0 0 4,374
Costco Whsl Corp COM 22160K105 275 484 SH   SOLE   0 0 484
Crowdstrike Hldgs Inc COM 22788C105 208 1,015 SH   SOLE   0 0 1,015
Danaher Corp COM 235851102 2,153 6,545 SH   SOLE   0 0 6,545
Diageo Plc COM 25243Q205 363 1,651 SH   SOLE   0 0 1,651
Disney Walt Co COM 254687106 2,377 15,346 SH   SOLE   0 0 15,346
Dominion Res Inc Va COM 25746U109 502 6,386 SH   SOLE   0 0 6,386
Dow Chemical COM 260557103 265 4,674 SH   SOLE   0 0 4,674
Document Security Systems Inc COM 26253C102 7 10,123 SH   SOLE   0 0 10,123
Duke Energy COM 26441C204 331 3,155 SH   SOLE   0 0 3,155
Du Pont E I De Nemours COM 26614N102 405 5,015 SH   SOLE   0 0 5,015
Applied Finance Valuation Lg Cap ETF ETF 26923N405 4,249 149,721 SH   SOLE   0 0 149,721
HACK- PureFunds ISE Cyber Security ETF ETF 26924G201 312 5,075 SH   SOLE   0 0 5,075
Ecolab Inc COM 278865100 453 1,932 SH   SOLE   0 0 1,932
Emerson Electric COM 291011104 1,301 13,994 SH   SOLE   0 0 13,994
Eversource Energy COM 30040W108 263 2,891 SH   SOLE   0 0 2,891
Exxon-Mobil COM 30231G102 1,165 19,043 SH   SOLE   0 0 19,043
Meta Platforms Cl A COM 30303M102 1,311 3,899 SH   SOLE   0 0 3,899
First Trust Preferred Sec & Inc ETF ETF 33739E108 6,343 312,131 SH   SOLE   0 0 312,131
Fiserv Inc. COM 337738108 1,302 12,543 SH   SOLE   0 0 12,543
General Electric COM 369604301 375 3,970 SH   SOLE   0 0 3,970
Global Payments, Inc. COM 37940X102 1,256 9,292 SH   SOLE   0 0 9,292
Goldman Sachs Group COM 38141G104 306 799 SH   SOLE   0 0 799
Goldman Sachs ActiveBeta Intl Eq ETF ETF 381430107 1,295 36,712 SH   SOLE   0 0 36,712
Gldmn Sachs ActiveBeta Emrg Mkts ETF 381430206 287 7,751 SH   SOLE   0 0 7,751
Hewlett Packard COM 40434L105 367 9,752 SH   SOLE   0 0 9,752
Histogen Ord COM 43358Y103 17 52,522 SH   SOLE   0 0 52,522
Home Depot COM 437076102 1,948 4,694 SH   SOLE   0 0 4,694
Illinois Tool Works COM 452308109 909 3,685 SH   SOLE   0 0 3,685
Intel Corp COM 458140100 1,734 33,673 SH   SOLE   0 0 33,673
International Business Machines COM 459200101 1,350 10,099 SH   SOLE   0 0 10,099
Intuit Inc. COM 461202103 386 600 SH   SOLE   0 0 600
Invesco S&P 500 Eq. Wgt. ETF ETF 46137V357 234 1,440 SH   SOLE   0 0 1,440
Invesco Financial Pfd ETF 46137V621 219 11,659 SH   SOLE   0 0 11,659
Invesco Biotech & Genomics ETF ETF 46137V787 954 13,401 SH   SOLE   0 0 13,401
Invesco S&P 500 Low Volatility ETF ETF 46138E354 276 4,028 SH   SOLE   0 0 4,028
Invesco Preferred ETF 46138E511 307 20,495 SH   SOLE   0 0 20,495
J P Morgan Chase & Co COM 46625H100 3,671 23,184 SH   SOLE   0 0 23,184
JH/DFA Small Cap Value ETF ETF 47804J842 1,465 40,417 SH   SOLE   0 0 40,417
iShares Inv. Grade Corp. Bd. ETF 464287242 262 1,975 SH   SOLE   0 0 1,975
iShares S&P 500 Barra Gr. Fd. ETF 464287309 1,022 12,212 SH   SOLE   0 0 12,212
iShares S&P 500 Value ETF ETF 464287408 546 3,486 SH   SOLE   0 0 3,486
iShares S&P Midcap 400 Index ETF ETF 464287507 3,734 13,190 SH   SOLE   0 0 13,190
iShares Russell 2000 Index Fund ETF ETF 464287655 284 1,275 SH   SOLE   0 0 1,275
iShares S&P Smallcap 600 Index ETF ETF 464287804 3,750 32,740 SH   SOLE   0 0 32,740
iShares Sht-Term National Muni ETF ETF 464288158 291 2,709 SH   SOLE   0 0 2,709
iShares MBS ETF ETF 464288588 362 3,374 SH   SOLE   0 0 3,374
iShares Floating Rate Bond ETF ETF 46429B655 330 6,511 SH   SOLE   0 0 6,511
iShares MSCI USA Momentum ETF 46432F396 333 1,829 SH   SOLE   0 0 1,829
iShare Core MSCI Emerging Markets ETF 46434G103 1,677 28,014 SH   SOLE   0 0 28,014
Johnson & Johnson COM 478160104 5,073 29,652 SH   SOLE   0 0 29,652
KLA Tencor Corp COM 482480100 505 1,174 SH   SOLE   0 0 1,174
Kulicke & Soffa Inds COM 501242101 1,051 17,365 SH   SOLE   0 0 17,365
L3Harris Technologies Inc COM 502431109 2,035 9,542 SH   SOLE   0 0 9,542
Lilly Eli & Co COM 532457108 395 1,430 SH   SOLE   0 0 1,430
Lockheed Martin Corp COM 539830109 523 1,473 SH   SOLE   0 0 1,473
Lowes Companies COM 548661107 4,052 15,675 SH   SOLE   0 0 15,675
MPLX LP COM 55336V100 237 8,000 SH   SOLE   0 0 8,000
Mastercard Inc COM 57636Q104 942 2,621 SH   SOLE   0 0 2,621
McDonalds Corp COM 580135101 1,661 6,197 SH   SOLE   0 0 6,197
Medicenna Therapeutics Corp COM 58490H107 23 13,915 SH   SOLE   0 0 13,915
MLCO COM 585464100 103 10,112 SH   SOLE   0 0 10,112
Merck & Co Inc COM 58933Y105 4,147 54,103 SH   SOLE   0 0 54,103
Microsoft Corp COM 594918104 10,933 32,507 SH   SOLE   0 0 32,507
Mirion Technology COM 60471A119 27 10,823 SH   SOLE   0 0 10,823
Mondelez Intl Inc Cl A COM 609207105 889 13,411 SH   SOLE   0 0 13,411
Morgan Stanley Group COM 617446448 205 2,085 SH   SOLE   0 0 2,085
NextEra Energy Inc. COM 65339F101 1,052 11,265 SH   SOLE   0 0 11,265
Nike Inc Class B COM 654106103 1,406 8,438 SH   SOLE   0 0 8,438
Norfolk Southern Corp COM 655844108 298 1,000 SH   SOLE   0 0 1,000
Northrop Grumman Corp COM 666807102 217 560 SH   SOLE   0 0 560
Novartis A G COM 66987V109 324 3,699 SH   SOLE   0 0 3,699
Nvidia Corp COM 67066G104 2,852 9,697 SH   SOLE   0 0 9,697
Nuveen Inter Dur Qlty Muni ETF 670677103 350 23,754 SH   SOLE   0 0 23,754
Oncolytics Biotech COM 682310875 19 13,915 SH   SOLE   0 0 13,915
Oracle Systems COM 68389X105 594 6,809 SH   SOLE   0 0 6,809
Oragenics Inc COM 684023302 5 10,468 SH   SOLE   0 0 10,468
Osisko Gold Royaltie COM 68827L101 136 11,139 SH   SOLE   0 0 11,139
Ovid Therapeutics Inc COM 690469101 50 15,522 SH   SOLE   0 0 15,522
PPG Inds Inc COM 693506107 331 1,920 SH   SOLE   0 0 1,920
Palo Alto Networks Inc COM 697435105 1,374 2,467 SH   SOLE   0 0 2,467
Paychex Inc COM 704326107 266 1,951 SH   SOLE   0 0 1,951
Paypal Holdings, Inc. COM 70450Y103 1,363 7,229 SH   SOLE   0 0 7,229
Pepsico COM 713448108 3,056 17,593 SH   SOLE   0 0 17,593
Pfizer Inc COM 717081103 1,994 33,776 SH   SOLE   0 0 33,776
Philip Morris Intl Inc COM 718172109 404 4,251 SH   SOLE   0 0 4,251
Pimco Intermediate Muni ETF ETF 72201R866 886 15,767 SH   SOLE   0 0 15,767
Procter & Gamble Inc COM 742718109 3,473 21,234 SH   SOLE   0 0 21,234
Proshares S&P 500 Div Aristocrats ETF 74348A467 6,567 66,890 SH   SOLE   0 0 66,890
Public Svc Enterprise COM 744573106 519 7,780 SH   SOLE   0 0 7,780
Qualcomm Corp COM 747525103 1,112 6,082 SH   SOLE   0 0 6,082
Quanta Services Inc COM 74762E102 1,788 15,593 SH   SOLE   0 0 15,593
Raytheon Technologies Co COM 75513E101 1,270 14,752 SH   SOLE   0 0 14,752
Regeneron Pharm COM 75886F107 516 817 SH   SOLE   0 0 817
Roper Technologies, Inc COM 776696106 972 1,976 SH   SOLE   0 0 1,976
SPDR S&P 500 ETF ETF 78462F103 2,189 4,608 SH   SOLE   0 0 4,608
SPDR Gold Shares ETF 78463V107 2,898 16,952 SH   SOLE   0 0 16,952
SPDR MSCI Acwi Ex-US ETF 78463X848 734 25,039 SH   SOLE   0 0 25,039
SPDR Sr Innovative Tech ETF 78464A110 347 1,815 SH   SOLE   0 0 1,815
SPDR S&P Dividend ETF ETF 78464A763 3,813 29,531 SH   SOLE   0 0 29,531
SPDR S&P Biotech ETF ETF 78464A870 1,391 12,425 SH   SOLE   0 0 12,425
SPDR Doubleline Ttl Rtrn ETF 78467V848 1,047 22,113 SH   SOLE   0 0 22,113
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107 604 1,167 SH   SOLE   0 0 1,167
SPDR Blmbrg Brcly 1-10 Yr TIP ETF 78468R861 1,893 89,609 SH   SOLE   0 0 89,609
SPDR DoubleLine EM ETF ETF 78470P309 1,241 25,422 SH   SOLE   0 0 25,422
Salesforce Com COM 79466L302 1,135 4,467 SH   SOLE   0 0 4,467
Schwab Dow Jones US Broad Mkt ETF ETF 808524102 760 6,726 SH   SOLE   0 0 6,726
Schwab Dow Jones US Large Cap ETF ETF 808524201 19,447 170,861 SH   SOLE   0 0 170,861
Schwab Dow Jones US Large Growth ETF ETF 808524300 10,220 62,412 SH   SOLE   0 0 62,412
Schwab Dow Jones US Large Value ETF ETF 808524409 9,098 124,250 SH   SOLE   0 0 124,250
Schwab Dow Jones US Mid-Cap ETF ETF 808524508 6,626 82,378 SH   SOLE   0 0 82,378
Schwab Dow Jones US Sm-Cap ETF ETF 808524607 4,862 47,485 SH   SOLE   0 0 47,485
Schwab FTSE Emerging Mkt ETF ETF 808524706 341 11,500 SH   SOLE   0 0 11,500
Sch Fundamental EM Lg Co ETF ETF 808524730 1,457 47,000 SH   SOLE   0 0 47,000
Sch Fundamental US Large Co ETF ETF 808524771 431 7,349 SH   SOLE   0 0 7,349
Schwab Dow Jones US Div Eq ETF ETF 808524797 18,058 223,406 SH   SOLE   0 0 223,406
Schwab FTSE Developed ex-US ETF ETF 808524805 3,503 90,110 SH   SOLE   0 0 90,110
Schwab US AGG Bnd ETF ETF 808524839 7,290 135,257 SH   SOLE   0 0 135,257
Schwab US TIPS ETF ETF 808524870 334 5,309 SH   SOLE   0 0 5,309
SPDR Technology Select Sector ETF 81369Y803 994 5,718 SH   SOLE   0 0 5,718
Service Now Inc COM 81762P102 302 465 SH   SOLE   0 0 465
Shopify Inc COM 82509L107 309 224 SH   SOLE   0 0 224
Skyworks Solutions COM 83088M102 374 2,409 SH   SOLE   0 0 2,409
SoFi Technologies ORD COM 83406F102 160 10,148 SH   SOLE   0 0 10,148
Solid Biosciences Inc COM 83422E105 21 12,023 SH   SOLE   0 0 12,023
Stanley Works COM 854502101 726 3,849 SH   SOLE   0 0 3,849
Starbucks Corp COM 855244109 423 3,615 SH   SOLE   0 0 3,615
State Street Boston Corp COM 857477103 559 6,007 SH   SOLE   0 0 6,007
Sundial Growers Inc COM 86730L109 109 188,420 SH   SOLE   0 0 188,420
Sysco Inc COM 871829107 256 3,254 SH   SOLE   0 0 3,254
TJX Cos Inc COM 872540109 540 7,114 SH   SOLE   0 0 7,114
Target Corp COM 87612E106 373 1,612 SH   SOLE   0 0 1,612
Tesla Motors Inc COM 88160R101 240 227 SH   SOLE   0 0 227
Beauty Health Company CL A ORD COM 88331L108 680 28,144 SH   SOLE   0 0 28,144
Thermo Fisher Scientific COM 883556102 1,878 2,814 SH   SOLE   0 0 2,814
3M Company COM 88579Y101 332 1,868 SH   SOLE   0 0 1,868
Truist Finl Corp COM 89832Q109 1,573 26,872 SH   SOLE   0 0 26,872
Tyson Foods Inc COM 902494103 703 8,068 SH   SOLE   0 0 8,068
Unilever Plc Adr New ADR 904767704 237 4,400 SH   SOLE   0 0 4,400
Union Pacific Corp COM 907818108 2,371 9,410 SH   SOLE   0 0 9,410
UPS Inc COM 911312106 658 3,072 SH   SOLE   0 0 3,072
Vanguard Div Appreciation ETF ETF 921908844 1,812 10,549 SH   SOLE   0 0 10,549
Vanguard Short-Term Bond ETF ETF 921937827 331 4,090 SH   SOLE   0 0 4,090
Vanguard Sht-Term Infl Prot Sec ETF ETF 922020805 424 8,244 SH   SOLE   0 0 8,244
Vanguard Consumer Staples ETF ETF 92204A207 744 3,721 SH   SOLE   0 0 3,721
Vanguard Info Technology ETF 92204A702 255 557 SH   SOLE   0 0 557
Vanguard Total World ETF ETF 922042742 214 1,992 SH   SOLE   0 0 1,992
Vanguard FTSE All-World ex-USA ETF ETF 922042775 2,379 38,820 SH   SOLE   0 0 38,820
Vanguard S&P 500 ETF ETF 922908363 3,345 7,662 SH   SOLE   0 0 7,662
Vanguard Mid Cap Value ETF ETF 922908512 378 2,512 SH   SOLE   0 0 2,512
Vanguard REIT ETF 922908553 2,620 22,585 SH   SOLE   0 0 22,585
Vanguard Small-Cap Value ETF ETF 922908611 743 4,155 SH   SOLE   0 0 4,155
Vanguard Mid-Cap ETF ETF 922908629 963 3,779 SH   SOLE   0 0 3,779
Vanguard Growth ETF ETF 922908736 2,294 7,149 SH   SOLE   0 0 7,149
Vanguard Value ETF ETF 922908744 2,291 15,572 SH   SOLE   0 0 15,572
Vanguard Small Cap ETF ETF 922908751 386 1,707 SH   SOLE   0 0 1,707
Verizon Communications COM 92343V104 2,638 50,770 SH   SOLE   0 0 50,770
Vertex Pharmaceuticals COM 92532F100 203 923 SH   SOLE   0 0 923
Visa, Inc. COM 92826C839 1,298 5,988 SH   SOLE   0 0 5,988
Wal-Mart Stores COM 931142103 656 4,531 SH   SOLE   0 0 4,531
Wells Fargo & Company COM 949746101 247 5,140 SH   SOLE   0 0 5,140
Wells Fargo & Co 7.50 Pfd PFD 949746804 369 247 SH   SOLE   0 0 247
Western Asset Muni Hi Income ETF 95766N103 372 46,343 SH   SOLE   0 0 46,343
Wynn Resorts COM 983134107 302 3,553 SH   SOLE   0 0 3,553