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 293 1,968 SH   SOLE   0 0 1,968
Abbott Labs COM 002824100 723 6,109 SH   SOLE   0 0 6,109
AbbVie Inc COM 00287Y109 691 4,262 SH   SOLE   0 0 4,262
Advanced Micro Devices COM 007903107 331 3,026 SH   SOLE   0 0 3,026
Allstate Corp COM 020002101 607 4,379 SH   SOLE   0 0 4,379
Alphabet, Inc. Cl A COM 02079K305 8,998 3,235 SH   SOLE   0 0 3,235
Alphabet, Inc. Cl C COM 02079K107 2,866 1,026 SH   SOLE   0 0 1,026
Altria Group Inc COM 02209S103 399 7,635 SH   SOLE   0 0 7,635
Amazon.com COM 023135106 3,498 1,073 SH   SOLE   0 0 1,073
American Tower Corp COM 03027X100 534 2,126 SH   SOLE   0 0 2,126
Amgen Inc COM 031162100 2,397 9,913 SH   SOLE   0 0 9,913
AON Corp COM G0403H108 477 1,466 SH   SOLE   0 0 1,466
Apple, Inc COM 037833100 13,459 77,079 SH   SOLE   0 0 77,079
Applied Materials COM 038222105 423 3,212 SH   SOLE   0 0 3,212
Aptose Biosciences COM 03835T200 26 18,915 SH   SOLE   0 0 18,915
AT&T Corp COM 00206R102 271 11,474 SH   SOLE   0 0 11,474
Automatic Data Processing COM 053015103 1,114 4,894 SH   SOLE   0 0 4,894
Bank Of America COM 060505104 2,343 56,846 SH   SOLE   0 0 56,846
Becton Dickinson COM 075887109 273 1,028 SH   SOLE   0 0 1,028
Berkshire Hathaway B COM 084670702 2,511 7,115 SH   SOLE   0 0 7,115
Blackstone Group Lp COM 09260D107 1,077 8,486 SH   SOLE   0 0 8,486
Boeing Co COM 097023105 229 1,196 SH   SOLE   0 0 1,196
Bristol Myers Squibb COM 110122108 1,540 21,079 SH   SOLE   0 0 21,079
Broadcom Limited COM 11135F101 1,738 2,761 SH   SOLE   0 0 2,761
Carrier Global Corp COM 14448C104 215 4,695 SH   SOLE   0 0 4,695
Chase Corp COM 16150R104 314 3,610 SH   SOLE   0 0 3,610
ChevronTexaco Corp COM 166764100 2,383 14,637 SH   SOLE   0 0 14,637
Cigna COM 125523100 213 887 SH   SOLE   0 0 887
Cisco Systems COM 17275R102 2,068 37,085 SH   SOLE   0 0 37,085
Citizens Financial Group COM 174610105 477 10,527 SH   SOLE   0 0 10,527
Clearside Biomedical Inc COM 185063104 62 27,023 SH   SOLE   0 0 27,023
Coca Cola COM 191216100 706 11,393 SH   SOLE   0 0 11,393
Commercial Metals Co COM 201723103 692 16,631 SH   SOLE   0 0 16,631
Conoco Phillips COM 20825C104 341 3,405 SH   SOLE   0 0 3,405
Constellation Brands COM 21036P108 448 1,945 SH   SOLE   0 0 1,945
Corteva Inc COM 22052L104 253 4,397 SH   SOLE   0 0 4,397
Costco Whsl Corp COM 22160K105 323 560 SH   SOLE   0 0 560
Crowdstrike Hldgs Inc COM 22788C105 253 1,115 SH   SOLE   0 0 1,115
CVS Health Corporation COM 126650100 2,596 25,649 SH   SOLE   0 0 25,649
Danaher Corp COM 235851102 1,891 6,447 SH   SOLE   0 0 6,447
DFA Emerging Mkt Core Equity ETF ETF 25434V302 819 31,197 SH   SOLE   0 0 31,197
Diageo Plc COM 25243Q205 335 1,651 SH   SOLE   0 0 1,651
Disney Walt Co COM 254687106 2,169 15,812 SH   SOLE   0 0 15,812
Dominion Res Inc Va COM 25746U109 543 6,386 SH   SOLE   0 0 6,386
Dow Chemical COM 260557103 328 5,148 SH   SOLE   0 0 5,148
Du Pont E I De Nemours COM 26614N102 371 5,038 SH   SOLE   0 0 5,038
Duke Energy COM 26441C204 317 2,838 SH   SOLE   0 0 2,838
Emerson Electric COM 291011104 1,302 13,279 SH   SOLE   0 0 13,279
ETFS Phys. Swiss Gold Shares ETF 00326A104 11,269 606,517 SH   SOLE   0 0 606,517
Eversource Energy COM 30040W108 227 2,579 SH   SOLE   0 0 2,579
Exxon-Mobil COM 30231G102 1,575 19,067 SH   SOLE   0 0 19,067
First Trust Preferred Sec & Inc ETF PFD 33739E112 6,188 325,356 SH   SOLE   0 0 325,356
First Trust Senior Loan ETF ETF 33738D309 710 15,093 SH   SOLE   0 0 15,093
First Trust TCWOpportunistic Fxd Inc ETF ETF 33740F805 4,320 87,133 SH   SOLE   0 0 87,133
First Trust Value Line Div Idx ETF 33734H106 219 5,181 SH   SOLE   0 0 5,181
Fiserv Inc. COM 337738108 1,254 12,366 SH   SOLE   0 0 12,366
General Electric COM 369604301 363 3,970 SH   SOLE   0 0 3,970
Gldmn Sachs ActiveBeta Emrg Mkts ETF 381430206 204 6,030 SH   SOLE   0 0 6,030
Global Payments, Inc. COM 37940X102 1,299 9,490 SH   SOLE   0 0 9,490
Goldman Sachs ActiveBeta Intl Eq ETF ETF 381430107 5,658 172,877 SH   SOLE   0 0 172,877
Goldman Sachs Group COM 38141G104 303 919 SH   SOLE   0 0 919
HACK- PureFunds ISE Cyber Security ETF COM 26924G201 298 5,075 SH   SOLE   0 0 5,075
Hewlett Packard COM 40434L105 330 9,090 SH   SOLE   0 0 9,090
Histogen Ord COM 43358Y103 13 52,522 SH   SOLE   0 0 52,522
Home Depot COM 437076102 1,381 4,614 SH   SOLE   0 0 4,614
Horizon Kinetics Infl. Bene. ETF COM 53656F623 215 6,448 SH   SOLE   0 0 6,448
Illinois Tool Works COM 452308109 748 3,570 SH   SOLE   0 0 3,570
Intel Corp COM 458140100 1,658 33,460 SH   SOLE   0 0 33,460
International Business Machines COM 459200101 1,331 10,237 SH   SOLE   0 0 10,237
Intuit Inc. COM 461202103 289 600 SH   SOLE   0 0 600
Invesco Biotech & Genomics ETF ETF 46137V787 819 13,201 SH   SOLE   0 0 13,201
Invesco Preferred PFD 46138E511 217 16,016 SH   SOLE   0 0 16,016
Invesco S&P 500 Eq. Wgt. ETF ETF 46137V357 206 1,305 SH   SOLE   0 0 1,305
Invesco S&P 500 Low Volatility ETF ETF 46138E354 297 4,428 SH   SOLE   0 0 4,428
iShare Core MSCI Emerging Markets ETF 46434G103 3,961 71,298 SH   SOLE   0 0 71,298
iShares Floating Rate Bond ETF ETF 46429B655 329 6,513 SH   SOLE   0 0 6,513
iShares MBS ETF ETF 464288588 344 3,381 SH   SOLE   0 0 3,381
iShares MSCI USA Momentum ETF 46432F396 308 1,829 SH   SOLE   0 0 1,829
iShares Russell 2000 Index Fund ETF ETF 464287655 262 1,275 SH   SOLE   0 0 1,275
iShares S&P 500 Barra Gr. Fd. ETF 464287309 744 9,737 SH   SOLE   0 0 9,737
iShares S&P 500 Value ETF ETF 464287408 543 3,486 SH   SOLE   0 0 3,486
iShares S&P Midcap 400 Index ETF ETF 464287507 3,557 13,257 SH   SOLE   0 0 13,257
iShares S&P Smallcap 600 Index ETF ETF 464287804 3,459 32,063 SH   SOLE   0 0 32,063
iShares Sht-Term National Muni ETF ETF 464288158 284 2,711 SH   SOLE   0 0 2,711
J P Morgan Chase & Co COM 46625H100 3,289 24,129 SH   SOLE   0 0 24,129
JH/DFA Small Cap Multifactor ETF ETF 47804J842 1,511 44,039 SH   SOLE   0 0 44,039
Johnson & Johnson COM 478160104 5,254 29,645 SH   SOLE   0 0 29,645
Kinder Morgan Inc COM 49456B101 221 11,676 SH   SOLE   0 0 11,676
KLA Tencor Corp COM 482480100 434 1,185 SH   SOLE   0 0 1,185
Kulicke & Soffa Inds COM 501242101 1,021 18,225 SH   SOLE   0 0 18,225
L3Harris Technologies Inc COM 502431109 2,326 9,363 SH   SOLE   0 0 9,363
Lilly Eli & Co COM 532457108 410 1,430 SH   SOLE   0 0 1,430
Lockheed Martin Corp COM 539830109 657 1,488 SH   SOLE   0 0 1,488
Lowes Companies COM 548661107 3,029 14,981 SH   SOLE   0 0 14,981
Mastercard Inc COM 57636Q104 938 2,626 SH   SOLE   0 0 2,626
McDonalds Corp COM 580135101 1,497 6,056 SH   SOLE   0 0 6,056
Medicenna Therapeutics Corp COM 58490H107 17 12,915 SH   SOLE   0 0 12,915
Medtronic plc COM G5960L103 2,604 23,468 SH   SOLE   0 0 23,468
Merck & Co Inc COM 58933Y105 4,443 54,147 SH   SOLE   0 0 54,147
Meta Platforms Cl A COM 30303M102 919 4,131 SH   SOLE   0 0 4,131
Microsoft Corp COM 594918104 10,041 32,568 SH   SOLE   0 0 32,568
MLCO COM 585464100 93 12,110 SH   SOLE   0 0 12,110
Mondelez Intl Inc Cl A COM 609207105 846 13,481 SH   SOLE   0 0 13,481
MPLX LP COM 55336V100 265 8,000 SH   SOLE   0 0 8,000
NextEra Energy Inc. COM 65339F101 1,070 12,631 SH   SOLE   0 0 12,631
Nike Inc Class B COM 654106103 1,106 8,222 SH   SOLE   0 0 8,222
Norfolk Southern Corp COM 655844108 285 1,000 SH   SOLE   0 0 1,000
Northrop Grumman Corp COM 666807102 250 560 SH   SOLE   0 0 560
Novartis A G COM 66987V109 325 3,699 SH   SOLE   0 0 3,699
Nuveen Inter Dur Qlty Muni ETF 670677103 325 23,951 SH   SOLE   0 0 23,951
Nvidia Corp COM 67066G104 2,743 10,051 SH   SOLE   0 0 10,051
OGE Energy Corp COM 670837103 200 4,907 SH   SOLE   0 0 4,907
Oncolytics Biotech COM 682310875 20 12,915 SH   SOLE   0 0 12,915
Oracle Systems COM 68389X105 563 6,810 SH   SOLE   0 0 6,810
Oragenics Inc COM 684023302 4 10,468 SH   SOLE   0 0 10,468
Ovid Therapeutics Inc COM 690469101 49 15,522 SH   SOLE   0 0 15,522
Palo Alto Networks Inc COM 697435105 1,383 2,222 SH   SOLE   0 0 2,222
Paychex Inc COM 704326107 294 2,152 SH   SOLE   0 0 2,152
Paypal Holdings, Inc. COM 70450Y103 713 6,168 SH   SOLE   0 0 6,168
Pepsico COM 713448108 2,915 17,416 SH   SOLE   0 0 17,416
Pfizer Inc COM 717081103 1,736 33,530 SH   SOLE   0 0 33,530
Philip Morris Intl Inc COM 718172109 350 3,731 SH   SOLE   0 0 3,731
Pimco Intermediate Muni ETF ETF 72201R866 839 15,823 SH   SOLE   0 0 15,823
PolarityTE Inc COM 731094108 5 22,103 SH   SOLE   0 0 22,103
PPG Inds Inc COM 693506107 252 1,920 SH   SOLE   0 0 1,920
Procter & Gamble Inc COM 742718109 3,246 21,243 SH   SOLE   0 0 21,243
Proshares S&P 500 Div Aristocrats ETF 74348A467 6,477 68,243 SH   SOLE   0 0 68,243
Public Svc Enterprise COM 744573106 545 7,783 SH   SOLE   0 0 7,783
Qualcomm Corp COM 747525103 946 6,193 SH   SOLE   0 0 6,193
Quanta Services Inc COM 74762E106 1,986 15,093 SH   SOLE   0 0 15,093
Raytheon Technologies Co COM 75513E109 1,486 14,998 SH   SOLE   0 0 14,998
Regeneron Pharm COM 75886F107 475 680 SH   SOLE   0 0 680
Roper Technologies, Inc COM 776696106 815 1,726 SH   SOLE   0 0 1,726
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107 514 1,047 SH   SOLE   0 0 1,047
Salesforce Com COM 79466L302 1,019 4,799 SH   SOLE   0 0 4,799
Sch Fundamental EM Lg Co ETF ETF 808524730 881 30,448 SH   SOLE   0 0 30,448
Sch Fundamental US Large Co ETF ETF 808524771 436 7,454 SH   SOLE   0 0 7,454
Schwab Dow Jones US Broad Mkt ETF ETF 808524102 700 13,104 SH   SOLE   0 0 13,104
Schwab Dow Jones US Div Eq ETF ETF 808524797 17,693 224,269 SH   SOLE   0 0 224,269
Schwab Dow Jones US Large Cap ETF ETF 808524201 18,191 337,804 SH   SOLE   0 0 337,804
Schwab Dow Jones US Large Growth ETF ETF 808524300 8,939 119,471 SH   SOLE   0 0 119,471
Schwab Dow Jones US Large Value ETF ETF 808524409 8,694 121,787 SH   SOLE   0 0 121,787
Schwab Dow Jones US Mid-Cap ETF ETF 808524508 6,361 83,848 SH   SOLE   0 0 83,848
Schwab Dow Jones US Sm-Cap ETF ETF 808524607 4,625 97,651 SH   SOLE   0 0 97,651
Schwab FTSE Developed ex-US ETF ETF 808524805 4,133 112,564 SH   SOLE   0 0 112,564
Schwab FTSE Emerging Mkt ETF ETF 808524706 297 10,689 SH   SOLE   0 0 10,689
Schwab US AGG Bnd ETF ETF 808524839 3,354 66,327 SH   SOLE   0 0 66,327
Schwab US TIPS ETF ETF 808524870 329 5,418 SH   SOLE   0 0 5,418
Service Now Inc COM 81762P102 259 465 SH   SOLE   0 0 465
Skyworks Solutions COM 83088M102 307 2,301 SH   SOLE   0 0 2,301
Solid Biosciences Inc COM 83422E109 180 15,023 SH   SOLE   0 0 15,023
SPDR Blmbrg Brcly 1-10 Yr TIP ETF 78468R861 1,810 87,502 SH   SOLE   0 0 87,502
SPDR DoubleLine EM ETF ETF 78470P309 327 7,158 SH   SOLE   0 0 7,158
SPDR Doubleline Ttl Rtrn ETF 78467V848 1,260 28,147 SH   SOLE   0 0 28,147
SPDR Gold Shares ETF 78463V107 3,103 17,177 SH   SOLE   0 0 17,177
SPDR MSCI Acwi Ex-US ETF 78463X848 917 33,331 SH   SOLE   0 0 33,331
SPDR S&P 500 ETF ETF 78462F103 2,081 4,609 SH   SOLE   0 0 4,609
SPDR S&P Biotech ETF ETF 78464A870 1,244 13,844 SH   SOLE   0 0 13,844
SPDR S&P Dividend ETF ETF 78464A763 3,747 29,250 SH   SOLE   0 0 29,250
SPDR Sr Innovative Tech ETF 78464A110 257 1,676 SH   SOLE   0 0 1,676
SPDR Technology Select Sector ETF 81369Y803 921 5,792 SH   SOLE   0 0 5,792
Stanley Works COM 854502101 524 3,750 SH   SOLE   0 0 3,750
Starbucks Corp COM 855244109 274 3,014 SH   SOLE   0 0 3,014
State Street Boston Corp COM 857477103 523 6,007 SH   SOLE   0 0 6,007
Sundial Growers Inc COM 86730L109 157 224,420 SH   SOLE   0 0 224,420
Sysco Inc COM 871829107 266 3,254 SH   SOLE   0 0 3,254
Target Corp COM 87612E110 343 1,615 SH   SOLE   0 0 1,615
TCR2 Therapeutics Inc COM 87808K106 30 11,023 SH   SOLE   0 0 11,023
TE Connectivity Ltd COM H84989104 203,019 1,550 SH   SOLE   0 0 1,550
Tesla Motors Inc COM 88160R101 277 257 SH   SOLE   0 0 257
Thermo Fisher Scientific COM 883556102 157 2,664 SH   SOLE   0 0 2,664
TJX Cos Inc COM 872540109 431 7,114 SH   SOLE   0 0 7,114
Truist Finl Corp COM 89832Q109 1,519 26,783 SH   SOLE   0 0 26,783
Tyson Foods Inc COM 902494103 711 7,936 SH   SOLE   0 0 7,936
Unilever Plc Adr New ADR 904767704 201 4,400 SH   SOLE   0 0 4,400
Union Pacific Corp COM 907818108 2,571 9,410 SH   SOLE   0 0 9,410
UPS Inc COM 911312106 659 3,072 SH   SOLE   0 0 3,072
Vanguard Consumer Staples ETF ETF 92204A207 729 3,721 SH   SOLE   0 0 3,721
Vanguard Div Appreciation ETF ETF 921908844 1,626 10,026 SH   SOLE   0 0 10,026
Vanguard FTSE All-World ex-USA ETF ETF 922042775 2,353 40,866 SH   SOLE   0 0 40,866
Vanguard Growth ETF ETF 922908736 2,011 6,991 SH   SOLE   0 0 6,991
Vanguard Info Technology ETF 92204A702 232 557 SH   SOLE   0 0 557
Vanguard Mid Cap Value ETF ETF 922908512 377 2,519 SH   SOLE   0 0 2,519
Vanguard Mid-Cap ETF ETF 922908629 1,015 4,269 SH   SOLE   0 0 4,269
Vanguard REIT ETF 922908553 2,452 22,628 SH   SOLE   0 0 22,628
Vanguard S&P 500 ETF ETF 922908363 3,109 7,488 SH   SOLE   0 0 7,488
Vanguard Short-Term Bond ETF ETF 921937827 319 4,095 SH   SOLE   0 0 4,095
Vanguard Sht-Term Infl Prot Sec ETF ETF 922020805 422 8,244 SH   SOLE   0 0 8,244
Vanguard Small Cap ETF ETF 922908751 283 1,330 SH   SOLE   0 0 1,330
Vanguard Small-Cap Value ETF ETF 922908611 1,471 8,358 SH   SOLE   0 0 8,358
Vanguard Total World ETF ETF 922042742 207 2,040 SH   SOLE   0 0 2,040
Vanguard Value ETF ETF 922908744 2,271 15,370 SH   SOLE   0 0 15,370
Verizon Communications COM 92343V104 2,619 51,423 SH   SOLE   0 0 51,423
Vertex Pharmaceuticals COM 92532F100 236 903 SH   SOLE   0 0 903
Visa, Inc. COM 92826C839 1,350 6,088 SH   SOLE   0 0 6,088
Wal-Mart Stores COM 931142103 604 4,054 SH   SOLE   0 0 4,054
Wells Fargo & Company COM 949746101 250 5,141 SH   SOLE   0 0 5,141
Western Asset Muni Hi Income ETF 95766N103 329 46,707 SH   SOLE   0 0 46,707