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
3M Company COM 88579Y101   282,432 2,584 SH   SOLE   0 0 2,584
Abbott Labs COM 002824100   611,162 5,552 SH   SOLE   0 0 5,552
AbbVie Inc COM 00287Y109   615,076 3,969 SH   SOLE   0 0 3,969
Adaptimmune Therapeutics PLC ADR 00653A107   18,264 23,031 SH   SOLE   0 0 23,031
Adobe Systems COM 00724F101   236,850 397 SH   SOLE   0 0 397
Alphabet, Inc. Cl A COM 02079K305   8,324,406 59,592 SH   SOLE   0 0 59,592
Alphabet, Inc. Cl C COM 02079K107   2,270,946 16,114 SH   SOLE   0 0 16,114
Amazon.com COM 023135106   3,817,189 25,123 SH   SOLE   0 0 25,123
American Tower Corp COM 03027X100   445,779 2,065 SH   SOLE   0 0 2,065
Amgen Inc COM 031162100   2,705,984 9,395 SH   SOLE   0 0 9,395
AON Corp COM G0403H108   369,595 1,270 SH   SOLE   0 0 1,270
Apple, Inc COM 037833100   12,757,818 66,264 SH   SOLE   0 0 66,264
Applied Materials COM 038222105   520,407 3,211 SH   SOLE   0 0 3,211
Ashford Hospitality Trust Inc COM 044103869   31,684 16,332 SH   SOLE   0 0 16,332
Automatic Data Processing COM 053015103   1,384,541 5,943 SH   SOLE   0 0 5,943
Bank Of America COM 060505104   1,954,535 58,050 SH   SOLE   0 0 58,050
Beauty Health Company CL A ORD ADR 88331L108   127,958 41,144 SH   SOLE   0 0 41,144
Becton Dickinson COM 075887109   237,978 976 SH   SOLE   0 0 976
Berkshire Hathaway B COM 084670702   2,266,931 6,356 SH   SOLE   0 0 6,356
Blackstone Group Lp COM 09260D107   1,083,873 8,279 SH   SOLE   0 0 8,279
Bristol Myers Squibb COM 110122108   1,083,579 21,118 SH   SOLE   0 0 21,118
Broadcom Limited COM 11135F101   3,591,049 3,217 SH   SOLE   0 0 3,217
Carrier Global Corp COM 14448C104   269,670 4,694 SH   SOLE   0 0 4,694
ChevronTexaco Corp COM 166764100   2,270,822 15,224 SH   SOLE   0 0 15,224
Cigna COM 125523100   256,329 856 SH   SOLE   0 0 856
Cisco Systems COM 17275R102   1,970,531 39,005 SH   SOLE   0 0 39,005
Citizens Financial Group COM 174610105   759,788 22,927 SH   SOLE   0 0 22,927
Clearside Biomedical Inc COM 185063104   32,787 28,023 SH   SOLE   0 0 28,023
Coca Cola COM 191216100   801,124 13,595 SH   SOLE   0 0 13,595
Commercial Metals Co COM 201723103   714,294 14,274 SH   SOLE   0 0 14,274
Conoco Phillips COM 20825C104   410,888 3,540 SH   SOLE   0 0 3,540
Constellation Brands COM 21036P108   559,115 2,313 SH   SOLE   0 0 2,313
Corteva Inc COM 22052L104   210,704 4,397 SH   SOLE   0 0 4,397
Costco Whsl Corp COM 22160K105   376,066 570 SH   SOLE   0 0 570
CVS Health Corporation COM 126650100   1,768,867 22,402 SH   SOLE   0 0 22,402
Danaher Corp COM 235851102   1,332,056 5,758 SH   SOLE   0 0 5,758
Diageo Plc COM 25243Q205   225,919 1,551 SH   SOLE   0 0 1,551
Dimensional Emerg Core Equity Mkt ETF ETF 25434V302   5,839,774 242,214 SH   SOLE   0 0 242,214
Dimensional International Core Equity Mkt ETF ETF 25434V203   1,426,798 49,818 SH   SOLE   0 0 49,818
Disney Walt Co COM 254687106   886,331 9,816 SH   SOLE   0 0 9,816
Dominion Res Inc Va COM 25746U109   202,100 4,300 SH   SOLE   0 0 4,300
Dow Chemical COM 260557103   260,624 4,752 SH   SOLE   0 0 4,752
Du Pont E I De Nemours ADR 26614N102   407,267 5,294 SH   SOLE   0 0 5,294
Emerson Electric COM 291011104   1,229,181 12,629 SH   SOLE   0 0 12,629
ETFS Phys. Swiss Gold Shares ETF 00326A104   9,602,701 486,459 SH   SOLE   0 0 486,459
Exxon-Mobil COM 30231G102   1,748,659 17,490 SH   SOLE   0 0 17,490
First Trust Preferred Sec & Inc ETF ETF 33739E108   5,514,947 327,102 SH   SOLE   0 0 327,102
First Trust TCWOpportunistic Fxd Inc ETF ETF 33740F805   6,109,011 136,958 SH   SOLE   0 0 136,958
Fiserv Inc COM 337738108   1,663,688 12,524 SH   SOLE   0 0 12,524
General Electric COM 369604301   511,413 4,007 SH   SOLE   0 0 4,007
Global Payments, Inc. COM 37940X102   542,041 4,268 SH   SOLE   0 0 4,268
Goldman Sachs ActiveBeta Intl Eq ETF ETF 381430107   4,537,743 138,939 SH   SOLE   0 0 138,939
Goldman Sachs Group COM 38141G104   359,865 933 SH   SOLE   0 0 933
Hewlett Packard COM 40434L105   332,351 11,045 SH   SOLE   0 0 11,045
Home Depot COM 437076102   1,754,661 5,063 SH   SOLE   0 0 5,063
Illinois Tool Works COM 452308109   960,796 3,668 SH   SOLE   0 0 3,668
Intel Corp COM 458140100   754,627 15,017 SH   SOLE   0 0 15,017
International Business Machines COM 459200101   1,722,019 10,529 SH   SOLE   0 0 10,529
Intuit Inc. COM 461202103   375,018 600 SH   SOLE   0 0 600
Invesco Biotech & Genomics ETF ETF 46137V787   835,246 12,686 SH   SOLE   0 0 12,686
Invesco S&P 500 Low Volatility ETF ETF 46138E354   252,417 4,028 SH   SOLE   0 0 4,028
Invitae Corp COM 46185L103   7,222 11,522 SH   SOLE   0 0 11,522
iShare Core MSCI Emerging Markets ETF 46434G103   2,882,702 56,993 SH   SOLE   0 0 56,993
iShares iBonds Dec 2024 Corp Bd ETF ETF 46434VBG4   2,930,384 117,639 SH   SOLE   0 0 117,639
iShares iBonds Dec 2024 Muni Bd ETF ETF 46435U697   3,856,166 148,714 SH   SOLE   0 0 148,714
iShares iBonds Dec 2025 Corp Bd ETF ETF 46434VBD1   1,687,440 68,152 SH   SOLE   0 0 68,152
iShares iBonds Dec 2025 Muni Bd ETF ETF 46435U432   3,690,321 139,021 SH   SOLE   0 0 139,021
iShares iBonds Dec 2026 Corp Bd ETF ETF 46435GAA0   422,122 17,662 SH   SOLE   0 0 17,662
iShares iBonds Dec 2026 Muni Bd ETF ETF 46435U259   3,057,877 119,865 SH   SOLE   0 0 119,865
iShares iBonds Dec 2027 Corp Bd ETF ETF 46435UAA9   298,404 12,470 SH   SOLE   0 0 12,470
iShares iBonds Dec 2027 Muni Bd ETF ETF 46435U283   1,659,523 65,297 SH   SOLE   0 0 65,297
iShares iBonds Dec 2028 Muni Bd ETF ETF 46435U325   938,539 36,676 SH   SOLE   0 0 36,676
iShares MSCI USA Momentum ETF 46432F396   233,582 1,489 SH   SOLE   0 0 1,489
iShares Russell 2000 Index Fund ETF ETF 464287655   255,905 1,275 SH   SOLE   0 0 1,275
iShares S&P 500 Barra Gr. Fd. ETF 464287309   487,474 6,491 SH   SOLE   0 0 6,491
iShares S&P Midcap 400 Index ETF ETF 464287507   3,599,964 12,989 SH   SOLE   0 0 12,989
iShares S&P Smallcap 600 Index ETF ETF 464287804   3,055,186 28,223 SH   SOLE   0 0 28,223
J P Morgan Chase & Co COM 46625H100   4,287,036 25,203 SH   SOLE   0 0 25,203
J.P. Morgan Municipal ETF ETF 46641Q647   2,030,041 39,836 SH   SOLE   0 0 39,836
JH/DFA Small Cap Multifactor ETF ETF 47804J842   1,480,907 40,497 SH   SOLE   0 0 40,497
Johnson & Johnson COM 478160104   4,020,201 25,649 SH   SOLE   0 0 25,649
Kinder Morgan Inc COM 49456B101   222,714 12,626 SH   SOLE   0 0 12,626
KLA Tencor Corp COM 482480100   767,654 1,321 SH   SOLE   0 0 1,321
L3Harris Technologies Inc COM 502431109   1,890,364 8,975 SH   SOLE   0 0 8,975
Lilly Eli & Co COM 532457108   862,722 1,480 SH   SOLE   0 0 1,480
Lockheed Martin Corp COM 539830109   583,912 1,288 SH   SOLE   0 0 1,288
Lowes Companies COM 548661107   2,721,007 12,227 SH   SOLE   0 0 12,227
Mastercard Inc COM 57636Q104   1,104,206 2,589 SH   SOLE   0 0 2,589
McDonalds Corp COM 580135101   1,673,824 5,645 SH   SOLE   0 0 5,645
Medicenna Therapeutics Corp COM 58490H107   3,936 12,915 SH   SOLE   0 0 12,915
Medtronic plc ADR G5960L103   1,723,307 20,919 SH   SOLE   0 0 20,919
Merck & Co Inc COM 58933Y105   5,763,405 52,866 SH   SOLE   0 0 52,866
Meta Platforms Cl A COM 30303M102   1,230,365 3,476 SH   SOLE   0 0 3,476
Microsoft Corp COM 594918104   11,680,053 31,061 SH   SOLE   0 0 31,061
MIRION TECHNOLOG COM 60471A119   25,422 12,523 SH   SOLE   0 0 12,523
MLCO COM 585464100   118,459 13,355 SH   SOLE   0 0 13,355
Mondelez Intl Inc Cl A COM 609207105   1,062,693 14,672 SH   SOLE   0 0 14,672
Morgan Stanley Group COM 617446448   217,086 2,328 SH   SOLE   0 0 2,328
MPLX LP COM 55336V100   304,776 8,300 SH   SOLE   0 0 8,300
NextEra Energy Inc. COM 65339F101   1,007,385 16,585 SH   SOLE   0 0 16,585
Nike Inc Class B COM 654106103   722,365 6,653 SH   SOLE   0 0 6,653
Novartis A G ADR 66987V109   373,488 3,699 SH   SOLE   0 0 3,699
Nvidia Corp COM 67066G104   3,459,949 6,987 SH   SOLE   0 0 6,987
Oncolytics Biotech COM 682310875   29,720 22,015 SH   SOLE   0 0 22,015
Oracle Systems COM 68389X105   785,348 7,449 SH   SOLE   0 0 7,449
Ovid Therapeutics Inc COM 690469101   53,201 16,522 SH   SOLE   0 0 16,522
Palo Alto Networks Inc COM 697435105   2,070,352 7,021 SH   SOLE   0 0 7,021
Paypal Holdings, Inc. COM 70450Y103   286,539 4,666 SH   SOLE   0 0 4,666
Pepsico COM 713448108   3,073,528 18,097 SH   SOLE   0 0 18,097
Pfizer Inc COM 717081103   677,958 23,548 SH   SOLE   0 0 23,548
Pimco Intermediate Muni ETF ETF 72201R866   580,096 10,987 SH   SOLE   0 0 10,987
PPG Inds Inc COM 693506107   287,136 1,920 SH   SOLE   0 0 1,920
Procter & Gamble Inc COM 742718109   3,191,243 21,777 SH   SOLE   0 0 21,777
Proshares S&P 500 Div Aristocrats ETF 74348A467   7,571,904 79,537 SH   SOLE   0 0 79,537
Public Svc Enterprise COM 744573106   437,398 7,153 SH   SOLE   0 0 7,153
Qualcomm Corp COM 747525103   1,157,241 8,001 SH   SOLE   0 0 8,001
Quanta Services Inc COM 74762E102   2,567,868 11,899 SH   SOLE   0 0 11,899
Real Estate Sector SPDR ETF 81369Y860   241,040 6,017 SH   SOLE   0 0 6,017
Regeneron Pharm COM 75886F107   481,303 548 SH   SOLE   0 0 548
Roper Technologies, Inc COM 776696106   986,239 1,809 SH   SOLE   0 0 1,809
RTX Corp. COM 75513E101   1,713,743 20,368 SH   SOLE   0 0 20,368
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107   396,264 781 SH   SOLE   0 0 781
Salesforce Com COM 79466L302   1,058,875 4,024 SH   SOLE   0 0 4,024
Sch Fundamental US Large Co ETF ETF 808524771   410,717 6,631 SH   SOLE   0 0 6,631
Schwab Dow Jones US Broad Mkt ETF ETF 808524102   1,073,105 19,276 SH   SOLE   0 0 19,276
Schwab Dow Jones US Div Eq ETF ETF 808524797   18,118,769 237,998 SH   SOLE   0 0 237,998
Schwab Dow Jones US Large Cap ETF ETF 808524201   26,130,673 463,310 SH   SOLE   0 0 463,310
Schwab Dow Jones US Large Growth ETF ETF 808524300   5,794,607 69,848 SH   SOLE   0 0 69,848
Schwab Dow Jones US Large Value ETF ETF 808524409   5,028,901 71,739 SH   SOLE   0 0 71,739
Schwab Dow Jones US Mid-Cap ETF ETF 808524508   6,535,889 86,775 SH   SOLE   0 0 86,775
Schwab Dow Jones US Sm-Cap ETF ETF 808524607   4,234,263 89,633 SH   SOLE   0 0 89,633
Schwab FTSE Developed ex-US ETF ETF 808524805   5,537,511 149,824 SH   SOLE   0 0 149,824
Schwab US AGG Bnd ETF ETF 808524839   846,632 18,160 SH   SOLE   0 0 18,160
Sector Spdr Engy Select ETF 81369Y506   301,656 3,598 SH   SOLE   0 0 3,598
SoFi Technologies ORD ADR 83406F102   151,469 15,223 SH   SOLE   0 0 15,223
SPDR Doubleline Ttl Rtrn ETF 78467V848   534,463 13,279 SH   SOLE   0 0 13,279
SPDR Gold Shares ETF 78463V107   2,429,197 12,707 SH   SOLE   0 0 12,707
SPDR MSCI Acwi Ex-US ETF 78463X848   912,986 33,764 SH   SOLE   0 0 33,764
SPDR S&P 500 ETF ETF 78462F103   2,264,282 4,764 SH   SOLE   0 0 4,764
SPDR S&P Biotech ETF ETF 78464A870   1,094,807 12,261 SH   SOLE   0 0 12,261
SPDR S&P Dividend ETF ETF 78464A763   2,860,145 22,887 SH   SOLE   0 0 22,887
SPDR Technology Select Sector ETF 81369Y803   1,021,575 5,307 SH   SOLE   0 0 5,307
State Street Boston Corp COM 857477103   464,992 6,003 SH   SOLE   0 0 6,003
Sundial Growers Inc COM 83307B101   72,849 44,420 SH   SOLE   0 0 44,420
Sysco Inc COM 871829107   224,802 3,074 SH   SOLE   0 0 3,074
Target Corp COM 87612E106   291,927 2,050 SH   SOLE   0 0 2,050
TE Connectivity Ltd COM H84989104   217,775 1,550 SH   SOLE   0 0 1,550
Tesla Motors Inc COM 88160R101   238,044 958 SH   SOLE   0 0 958
Thermo Fisher Scientific COM 883556102   1,419,334 2,674 SH   SOLE   0 0 2,674
Tilray Inc COM 88688T100   30,245 13,150 SH   SOLE   0 0 13,150
TJX Cos Inc COM 872540109   627,870 6,693 SH   SOLE   0 0 6,693
Truist Finl Corp COM 89832Q109   374,513 10,144 SH   SOLE   0 0 10,144
Tyson Foods Inc COM 902494103   385,041 7,164 SH   SOLE   0 0 7,164
Unilever Plc Adr New ADR 904767704   218,160 4,500 SH   SOLE   0 0 4,500
Union Pacific Corp COM 907818108   2,322,262 9,455 SH   SOLE   0 0 9,455
UPS Inc COM 911312106   241,475 1,536 SH   SOLE   0 0 1,536
Valero Energy Corp. COM 91913Y100   255,625 1,966 SH   SOLE   0 0 1,966
Vanguard Consumer Staples ETF ETF 92204A207   519,602 2,721 SH   SOLE   0 0 2,721
Vanguard Div Appreciation ETF ETF 921908844   858,547 5,038 SH   SOLE   0 0 5,038
Vanguard Emerging Mkt Fd ETF ETF 922042858   313,868 7,637 SH   SOLE   0 0 7,637
Vanguard FTSE All-World ex-USA ETF ETF 922042775   3,227,097 57,483 SH   SOLE   0 0 57,483
Vanguard FTSE Dev Mkt ETF ETF 921943858   281,413 5,875 SH   SOLE   0 0 5,875
Vanguard Growth ETF ETF 922908736   1,464,617 4,711 SH   SOLE   0 0 4,711
Vanguard Mid Cap Value ETF ETF 922908512   374,705 2,584 SH   SOLE   0 0 2,584
Vanguard Mid-Cap ETF ETF 922908629   1,812,536 7,791 SH   SOLE   0 0 7,791
Vanguard REIT ETF 922908553   1,615,214 18,280 SH   SOLE   0 0 18,280
Vanguard S&P 500 ETF ETF 922908363   5,176,195 11,850 SH   SOLE   0 0 11,850
Vanguard Small-Cap Value ETF ETF 922908611   1,418,236 7,880 SH   SOLE   0 0 7,880
Vanguard Tax-Exempt Bond ETF ETF 922907746   4,791,278 93,855 SH   SOLE   0 0 93,855
Vanguard Total International Stock ETF 921909768   291,910 5,036 SH   SOLE   0 0 5,036
Vanguard Value ETF ETF 922908744   1,298,877 8,688 SH   SOLE   0 0 8,688
Verizon Communications COM 92343V104   1,291,360 34,254 SH   SOLE   0 0 34,254
Vertex Pharmaceuticals COM 92532F100   324,291 797 SH   SOLE   0 0 797
Visa, Inc. COM 92826C839   1,371,003 5,266 SH   SOLE   0 0 5,266
Wal-Mart Stores COM 931142103   638,798 4,052 SH   SOLE   0 0 4,052
Wells Fargo & Co 7.50 Pfd PFD 949746804   332,667 278 SH   SOLE   0 0 278
Wells Fargo & Company COM 949746101   213,123 4,330 SH   SOLE   0 0 4,330
Wynn Resorts COM 983134107   205,453 2,255 SH   SOLE   0 0 2,255
Zynex Inc COM 98986M103   122,131 11,215 SH   SOLE   0 0 11,215