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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Labs COM 002824100   617,951 5,668 SH   SOLE   0 0 5,668
AbbVie Inc COM 00287Y109   541,615 4,020 SH   SOLE   0 0 4,020
Adaptimmune Therapeutics PLC ADR 00653A107   17,912 19,364 SH   SOLE   0 0 19,364
Allstate Corp COM 020002101   456,660 4,188 SH   SOLE   0 0 4,188
Alphabet, Inc. Cl A COM 02079K305   7,302,777 61,009 SH   SOLE   0 0 61,009
Alphabet, Inc. Cl C COM 02079K107   1,947,496 16,099 SH   SOLE   0 0 16,099
Altria Group Inc COM 02209S103   300,566 6,635 SH   SOLE   0 0 6,635
Amazon.com COM 023135106   2,929,841 22,475 SH   SOLE   0 0 22,475
American Tower Corp COM 03027X100   439,662 2,267 SH   SOLE   0 0 2,267
Amgen Inc COM 031162100   2,162,787 9,741 SH   SOLE   0 0 9,741
AON Corp COM G0403H108   438,404 1,270 SH   SOLE   0 0 1,270
Apple, Inc COM 037833100   13,005,663 67,050 SH   SOLE   0 0 67,050
Applied Finance Valuation Lg Cap ETF ETF 26923N405   11,247,257 408,701 SH   SOLE   0 0 408,701
Applied Materials COM 038222105   463,106 3,204 SH   SOLE   0 0 3,204
Ashford Hospitality Trust Inc COM 044103869   60,918 16,332 SH   SOLE   0 0 16,332
Automatic Data Processing COM 053015103   1,042,684 4,744 SH   SOLE   0 0 4,744
Bank Of America COM 060505104   1,605,390 55,956 SH   SOLE   0 0 55,956
Beauty Health Company CL A ORD ADR 88331L108   260,675 31,144 SH   SOLE   0 0 31,144
Becton Dickinson COM 075887109   255,562 968 SH   SOLE   0 0 968
Berkshire Hathaway B COM 084670702   2,155,461 6,321 SH   SOLE   0 0 6,321
Blackstone Group Lp COM 09260D107   805,021 8,659 SH   SOLE   0 0 8,659
Bristol Myers Squibb COM 110122108   1,368,175 21,394 SH   SOLE   0 0 21,394
Broadcom Limited COM 11135F101   2,780,039 3,205 SH   SOLE   0 0 3,205
Carrier Global Corp COM 14448C104   233,438 4,696 SH   SOLE   0 0 4,696
Chase Corp COM 16150R104   348,508 2,875 SH   SOLE   0 0 2,875
ChevronTexaco Corp COM 166764100   2,412,926 15,335 SH   SOLE   0 0 15,335
Cigna COM 125523100   240,755 858 SH   SOLE   0 0 858
Cisco Systems COM 17275R102   2,009,613 38,841 SH   SOLE   0 0 38,841
Citizens Financial Group COM 174610105   593,322 22,750 SH   SOLE   0 0 22,750
Clearside Biomedical Inc COM 185063104   30,266 27,023 SH   SOLE   0 0 27,023
Coca Cola COM 191216100   686,687 11,403 SH   SOLE   0 0 11,403
Commercial Metals Co COM 201723103   768,090 14,586 SH   SOLE   0 0 14,586
Conoco Phillips COM 20825C104   352,792 3,405 SH   SOLE   0 0 3,405
Constellation Brands COM 21036P108   542,246 2,203 SH   SOLE   0 0 2,203
Corteva Inc COM 22052L104   251,948 4,397 SH   SOLE   0 0 4,397
Costco Whsl Corp COM 22160K105   310,434 577 SH   SOLE   0 0 577
CVS Health Corporation COM 126650100   1,664,208 24,074 SH   SOLE   0 0 24,074
Danaher Corp COM 235851102   1,498,560 6,244 SH   SOLE   0 0 6,244
Diageo Plc ADR 25243Q205   286,415 1,651 SH   SOLE   0 0 1,651
Dimensional Emerg Core Equity Mkt ETF ETF 25434V302   5,297,443 225,807 SH   SOLE   0 0 225,807
Dimensional International Core Equity Mkt ETF ETF 25434V203   869,466 31,825 SH   SOLE   0 0 31,825
Disney Walt Co COM 254687106   1,187,487 13,301 SH   SOLE   0 0 13,301
Document Security Systems Inc COM 26253C102   6,644 18,523 SH   SOLE   0 0 18,523
Dominion Res Inc Va COM 25746U109   328,928 6,351 SH   SOLE   0 0 6,351
Dow Chemical COM 260557103   253,039 4,751 SH   SOLE   0 0 4,751
Du Pont E I De Nemours COM 26614N102   359,915 5,038 SH   SOLE   0 0 5,038
Duke Energy COM 26441C204   263,028 2,931 SH   SOLE   0 0 2,931
Emerson Electric COM 291011104   1,074,647 11,889 SH   SOLE   0 0 11,889
ETFS Phys. Swiss Gold Shares COM 00326A104   8,992,482 489,520 SH   SOLE   0 0 489,520
Exxon-Mobil COM 30231G102   1,968,343 18,353 SH   SOLE   0 0 18,353
First Trust Preferred Sec & Inc ETF ETF 33739E108   5,850,194 366,324 SH   SOLE   0 0 366,324
First Trust TCWOpportunistic Fxd Inc ETF ETF 33740F805   4,492,814 101,716 SH   SOLE   0 0 101,716
Fiserv Inc COM 337738108   1,460,186 11,575 SH   SOLE   0 0 11,575
General Electric COM 369604301   436,105 3,970 SH   SOLE   0 0 3,970
Global Payments, Inc. COM 37940X102   430,048 4,365 SH   SOLE   0 0 4,365
Goldman Sachs ActiveBeta Intl Eq ETF ETF 381430107   4,033,966 128,675 SH   SOLE   0 0 128,675
Goldman Sachs Group COM 38141G104   339,512 1,053 SH   SOLE   0 0 1,053
HACK- ETFMG Prime Cyber Security ETF ETF 26924G201   251,680 4,976 SH   SOLE   0 0 4,976
Hewlett Packard COM 40434L105   268,615 8,747 SH   SOLE   0 0 8,747
Home Depot COM 437076102   1,296,493 4,174 SH   SOLE   0 0 4,174
Illinois Tool Works COM 452308109   926,342 3,703 SH   SOLE   0 0 3,703
Intel Corp COM 458140100   460,543 13,772 SH   SOLE   0 0 13,772
International Business Machines COM 459200101   1,407,565 10,519 SH   SOLE   0 0 10,519
Intuit Inc. COM 461202103   274,914 600 SH   SOLE   0 0 600
Invesco Biotech & Genomics ETF ETF 46137V787   785,144 12,811 SH   SOLE   0 0 12,811
Invesco S&P 500 Low Volatility ETF ETF 46138E354   253,021 4,028 SH   SOLE   0 0 4,028
iShare Core MSCI Emerging Markets ETF 46434G103   3,751,656 76,114 SH   SOLE   0 0 76,114
iShares iBonds Dec 2023 Corp Bd ETF ETF 46434VAX8   976,686 38,619 SH   SOLE   0 0 38,619
iShares iBonds Dec 2023 Muni Bd ETF ETF 46435G318   1,269,020 49,785 SH   SOLE   0 0 49,785
iShares iBonds Dec 2024 Corp Bd ETF ETF 46434VBG4   2,724,207 110,650 SH   SOLE   0 0 110,650
iShares iBonds Dec 2024 ETF ETF 46436E874   339,429 14,262 SH   SOLE   0 0 14,262
iShares iBonds Dec 2024 Muni Bd ETF ETF 46435U697   3,843,875 149,219 SH   SOLE   0 0 149,219
iShares iBonds Dec 2025 Corp Bd ETF ETF 46434VBD1   1,120,802 45,972 SH   SOLE   0 0 45,972
iShares iBonds Dec 2025 Muni Bd ETF ETF 46435U432   3,643,425 138,349 SH   SOLE   0 0 138,349
iShares iBonds Dec 2026 Corp Bd ETF ETF 46435GAA0   282,555 12,039 SH   SOLE   0 0 12,039
iShares iBonds Dec 2026 Muni Bd ETF ETF 46435U259   2,754,271 109,383 SH   SOLE   0 0 109,383
iShares iBonds Dec 2027 Muni Bd ETF ETF 46435U283   847,874 33,827 SH   SOLE   0 0 33,827
iShares iBonds Dec 2028 Muni Bd ETF ETF 46435U325   251,701 10,004 SH   SOLE   0 0 10,004
iShares MSCI USA Momentum ETF 46432F396   214,763 1,489 SH   SOLE   0 0 1,489
iShares Russell 2000 Index Fund ETF ETF 464287655   238,769 1,275 SH   SOLE   0 0 1,275
iShares S&P 500 Barra Gr. Fd. ETF 464287309   477,995 6,782 SH   SOLE   0 0 6,782
iShares S&P 500 Value ETF ETF 464287408   218,090 1,353 SH   SOLE   0 0 1,353
iShares S&P Midcap 400 Index ETF ETF 464287507   3,354,373 12,828 SH   SOLE   0 0 12,828
iShares S&P Smallcap 600 Index ETF ETF 464287804   2,833,313 28,433 SH   SOLE   0 0 28,433
J P Morgan Chase & Co COM 46625H100   3,558,554 24,468 SH   SOLE   0 0 24,468
J.P. Morgan Municipal ETF ETF 46641Q647   797,383 15,875 SH   SOLE   0 0 15,875
JH/DFA Small Cap Multifactor ETF ETF 47804J842   1,372,230 41,011 SH   SOLE   0 0 41,011
Johnson & Johnson COM 478160104   4,341,480 26,229 SH   SOLE   0 0 26,229
Kinder Morgan Inc COM 49456B101   208,691 12,119 SH   SOLE   0 0 12,119
KLA Tencor Corp COM 482480100   682,274 1,407 SH   SOLE   0 0 1,407
Kulicke & Soffa Inds COM 501242101   285,955 4,810 SH   SOLE   0 0 4,810
L3Harris Technologies Inc COM 502431109   1,714,749 8,759 SH   SOLE   0 0 8,759
Lilly Eli & Co COM 532457108   647,192 1,380 SH   SOLE   0 0 1,380
Lockheed Martin Corp COM 539830109   635,623 1,381 SH   SOLE   0 0 1,381
Lowes Companies COM 548661107   2,856,259 12,655 SH   SOLE   0 0 12,655
Mastercard Inc COM 57636Q104   975,967 2,481 SH   SOLE   0 0 2,481
McDonalds Corp COM 580135101   1,769,157 5,929 SH   SOLE   0 0 5,929
Medicenna Therapeutics Corp COM 58490H107   6,221 12,915 SH   SOLE   0 0 12,915
Medtronic plc ADR G5960L103   1,984,100 22,521 SH   SOLE   0 0 22,521
Merck & Co Inc COM 58933Y105   5,945,420 51,525 SH   SOLE   0 0 51,525
Meta Platforms Cl A COM 30303M102   1,033,415 3,601 SH   SOLE   0 0 3,601
Microsoft Corp COM 594918104   10,246,769 30,090 SH   SOLE   0 0 30,090
MIRION TECHNOLOG COM 60471A119   18,242 10,023 SH   SOLE   0 0 10,023
MLCO COM 585464100   151,526 12,410 SH   SOLE   0 0 12,410
Mondelez Intl Inc Cl A COM 609207105   981,481 13,456 SH   SOLE   0 0 13,456
MPLX LP COM 55336V100   281,702 8,300 SH   SOLE   0 0 8,300
NextEra Energy Inc. COM 65339F101   906,723 12,220 SH   SOLE   0 0 12,220
Nike Inc Class B COM 654106103   750,627 6,801 SH   SOLE   0 0 6,801
Northrop Grumman Corp COM 666807102   255,248 560 SH   SOLE   0 0 560
Novartis A G ADR 66987V109   373,266 3,699 SH   SOLE   0 0 3,699
Nuveen Inter Dur Qlty Muni ETF 670677103   320,562 24,908 SH   SOLE   0 0 24,908
Nvidia Corp COM 67066G104   3,139,059 7,421 SH   SOLE   0 0 7,421
Oncolytics Biotech COM 682310875   49,179 18,915 SH   SOLE   0 0 18,915
Oracle Systems COM 68389X105   797,308 6,695 SH   SOLE   0 0 6,695
Ovid Therapeutics Inc COM 690469101   54,192 16,522 SH   SOLE   0 0 16,522
Palo Alto Networks Inc COM 697435105   1,792,658 7,016 SH   SOLE   0 0 7,016
Paypal Holdings, Inc. COM 70450Y103   284,070 4,257 SH   SOLE   0 0 4,257
Pepsico COM 713448108   3,120,200 16,846 SH   SOLE   0 0 16,846
Pfizer Inc COM 717081103   1,200,972 32,742 SH   SOLE   0 0 32,742
Philip Morris Intl Inc COM 718172109   369,296 3,783 SH   SOLE   0 0 3,783
PPG Inds Inc COM 693506107   285,774 1,927 SH   SOLE   0 0 1,927
Procter & Gamble Inc COM 742718109   3,167,800 20,877 SH   SOLE   0 0 20,877
Proshares S&P 500 Div Aristocrats ETF 74348A467   6,801,780 72,144 SH   SOLE   0 0 72,144
Public Svc Enterprise COM 744573106   452,139 7,222 SH   SOLE   0 0 7,222
Qualcomm Corp COM 747525103   847,341 7,118 SH   SOLE   0 0 7,118
Quanta Services Inc COM 74762E102   2,425,186 12,345 SH   SOLE   0 0 12,345
Raytheon Technologies Co COM 75513E101   1,716,510 17,523 SH   SOLE   0 0 17,523
Regeneron Pharm COM 75886F107   386,575 538 SH   SOLE   0 0 538
Roper Technologies, Inc COM 776696106   848,621 1,765 SH   SOLE   0 0 1,765
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107   374,029 781 SH   SOLE   0 0 781
Salesforce Com COM 79466L302   814,196 3,854 SH   SOLE   0 0 3,854
Sch Fundamental US Large Co ETF ETF 808524771   378,513 6,575 SH   SOLE   0 0 6,575
Schwab Dow Jones US Broad Mkt ETF ETF 808524102   799,619 15,467 SH   SOLE   0 0 15,467
Schwab Dow Jones US Div Eq ETF ETF 808524797   16,074,083 221,345 SH   SOLE   0 0 221,345
Schwab Dow Jones US Large Cap ETF ETF 808524201   22,069,173 421,409 SH   SOLE   0 0 421,409
Schwab Dow Jones US Large Growth ETF ETF 808524300   6,021,455 80,340 SH   SOLE   0 0 80,340
Schwab Dow Jones US Large Value ETF ETF 808524409   5,391,763 80,366 SH   SOLE   0 0 80,366
Schwab Dow Jones US Mid-Cap ETF ETF 808524508   6,183,750 87,058 SH   SOLE   0 0 87,058
Schwab Dow Jones US Sm-Cap ETF ETF 808524607   3,910,963 89,291 SH   SOLE   0 0 89,291
Schwab FTSE Developed ex-US ETF ETF 808524805   4,977,571 139,623 SH   SOLE   0 0 139,623
Schwab US AGG Bnd ETF ETF 808524839   660,557 14,310 SH   SOLE   0 0 14,310
Sector Spdr Engy Select ETF 81369Y506   312,505 3,850 SH   SOLE   0 0 3,850
SPDR Blmbrg Brcly 1-10 Yr TIP ETF ETF 78468R861   250,370 13,563 SH   SOLE   0 0 13,563
SPDR Doubleline Ttl Rtrn ETF 78467V848   391,044 9,643 SH   SOLE   0 0 9,643
SPDR Gold Shares ETF 78463V107   2,577,606 14,459 SH   SOLE   0 0 14,459
SPDR MSCI Acwi Ex-US ETF 78463X848   825,604 31,596 SH   SOLE   0 0 31,596
SPDR S&P 500 ETF ETF 78462F103   2,163,907 4,882 SH   SOLE   0 0 4,882
SPDR S&P Biotech ETF ETF 78464A870   1,006,481 12,097 SH   SOLE   0 0 12,097
SPDR S&P Dividend ETF ETF 78464A763   3,537,750 28,861 SH   SOLE   0 0 28,861
SPDR Technology Select Sector ETF 81369Y803   966,243 5,558 SH   SOLE   0 0 5,558
State Street Boston Corp COM 857477103   439,080 6,000 SH   SOLE   0 0 6,000
Sundial Growers Inc COM 83307B101   47,155 34,420 SH   SOLE   0 0 34,420
Sysco Inc COM 871829107   238,479 3,214 SH   SOLE   0 0 3,214
Target Corp COM 87612E106   245,151 1,859 SH   SOLE   0 0 1,859
TE Connectivity Ltd COM H84989104   217,248 1,550 SH   SOLE   0 0 1,550
Tesla Motors Inc COM 88160R101   243,708 931 SH   SOLE   0 0 931
Thermo Fisher Scientific COM 883556102   1,357,072 2,601 SH   SOLE   0 0 2,601
TJX Cos Inc COM 872540109   567,499 6,693 SH   SOLE   0 0 6,693
Truist Finl Corp COM 89832Q109   692,634 22,822 SH   SOLE   0 0 22,822
Tyson Foods Inc COM 902494103   445,217 8,723 SH   SOLE   0 0 8,723
Unilever Plc Adr New ADR 904767704   234,585 4,500 SH   SOLE   0 0 4,500
Union Pacific Corp COM 907818108   1,925,387 9,410 SH   SOLE   0 0 9,410
UPS Inc COM 911312106   553,182 3,086 SH   SOLE   0 0 3,086
Valero Energy Corp. COM 91913Y100   218,264 1,861 SH   SOLE   0 0 1,861
Vanguard Consumer Staples ETF ETF 92204A207   723,548 3,721 SH   SOLE   0 0 3,721
Vanguard Div Appreciation ETF ETF 921908844   896,054 5,517 SH   SOLE   0 0 5,517
Vanguard Emerging Mkt Fd ETF ETF 922042858   249,353 6,130 SH   SOLE   0 0 6,130
Vanguard FTSE All-World ex-USA ETF ETF 922042775   3,091,820 56,824 SH   SOLE   0 0 56,824
Vanguard Growth ETF ETF 922908736   1,789,207 6,323 SH   SOLE   0 0 6,323
Vanguard Info Technology ETF 92204A702   246,283 557 SH   SOLE   0 0 557
Vanguard Long-Term Treasury ETF ETF 92206C847   3,111,773 48,981 SH   SOLE   0 0 48,981
Vanguard Mid Cap Value ETF ETF 922908512   354,721 2,563 SH   SOLE   0 0 2,563
Vanguard Mid-Cap ETF ETF 922908629   1,416,152 6,432 SH   SOLE   0 0 6,432
Vanguard REIT ETF 922908553   1,681,270 20,121 SH   SOLE   0 0 20,121
Vanguard S&P 500 ETF ETF 922908363   4,376,269 10,745 SH   SOLE   0 0 10,745
Vanguard Small Cap ETF ETF 922908751   269,735 1,356 SH   SOLE   0 0 1,356
Vanguard Small-Cap Value ETF ETF 922908611   1,318,807 7,973 SH   SOLE   0 0 7,973
Vanguard Tax-Exempt Bond ETF ETF 922907746   2,656,221 52,892 SH   SOLE   0 0 52,892
Vanguard Total International Stock ETF 921909768   285,018 5,082 SH   SOLE   0 0 5,082
Vanguard Value ETF ETF 922908744   1,702,887 11,984 SH   SOLE   0 0 11,984
Verizon Communications COM 92343V104   1,607,201 43,216 SH   SOLE   0 0 43,216
Vertex Pharmaceuticals COM 92532F100   266,748 758 SH   SOLE   0 0 758
Visa, Inc. COM 92826C839   1,281,442 5,396 SH   SOLE   0 0 5,396
Wal-Mart Stores COM 931142103   683,576 4,349 SH   SOLE   0 0 4,349
Wells Fargo & Co 7.50pcnt Pfd PFD 949746804   314,398 273 SH   SOLE   0 0 273
Western Asset Muni Hi Income ETF 95766N103   320,018 48,858 SH   SOLE   0 0 48,858
Wynn Resorts COM 983134107   238,151 2,255 SH   SOLE   0 0 2,255