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
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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   243,180 2,293 SH   SOLE   2,293 0 0
Abbott Labs COM 002824100   557,574 4,906 SH   SOLE   4,906 0 0
AbbVie Inc COM 00287Y109   715,653 3,930 SH   SOLE   3,930 0 0
Adobe Systems COM 00724F101   427,901 848 SH   SOLE   848 0 0
Alphabet, Inc. Cl A COM 02079K305   8,987,731 59,549 SH   SOLE   59,549 0 0
Alphabet, Inc. Cl C COM 02079K107   2,393,070 15,717 SH   SOLE   15,717 0 0
Amazon.com COM 023135106   4,599,870 25,501 SH   SOLE   25,501 0 0
American Tower Corp COM 03027X100   408,387 2,067 SH   SOLE   2,067 0 0
Amgen Inc COM 031162100   2,525,301 8,882 SH   SOLE   8,882 0 0
AON Corp ADR G0403H108   423,491 1,269 SH   SOLE   1,269 0 0
Apple, Inc COM 037833100   10,986,037 64,066 SH   SOLE   64,066 0 0
Applied Finance Valuation Lg Cap ETF ETF 26923N405   17,133,032 525,714 SH   SOLE   525,714 0 0
Applied Materials COM 038222105   662,205 3,211 SH   SOLE   3,211 0 0
Automatic Data Processing COM 053015103   1,483,955 5,942 SH   SOLE   5,942 0 0
Avantis US Small Cap Value ETF ETF 025072877   295,187 3,150 SH   SOLE   3,150 0 0
Bank Of America COM 060505104   2,155,277 56,837 SH   SOLE   56,837 0 0
Becton Dickinson COM 075887109   241,264 975 SH   SOLE   975 0 0
Berkshire Hathaway B COM 084670702   2,777,535 6,605 SH   SOLE   6,605 0 0
Blackstone Group Lp COM 09260D107   1,023,190 7,789 SH   SOLE   7,789 0 0
Bristol Myers Squibb COM 110122108   1,106,034 20,395 SH   SOLE   20,395 0 0
Broadcom Limited COM 11135F101   4,100,850 3,094 SH   SOLE   3,094 0 0
Carrier Global Corp COM 14448C104   272,862 4,694 SH   SOLE   4,694 0 0
ChevronTexaco Corp COM 166764100   2,395,225 15,185 SH   SOLE   15,185 0 0
Cigna COM 125523100   310,891 856 SH   SOLE   856 0 0
Cisco Systems COM 17275R102   1,823,198 36,530 SH   SOLE   36,530 0 0
Citizens Financial Group COM 174610105   841,624 23,192 SH   SOLE   23,192 0 0
Coca Cola COM 191216100   831,773 13,596 SH   SOLE   13,596 0 0
Commercial Metals Co COM 201723103   822,997 14,004 SH   SOLE   14,004 0 0
Conoco Phillips COM 20825C104   442,298 3,475 SH   SOLE   3,475 0 0
Constellation Brands COM 21036P108   552,524 2,033 SH   SOLE   2,033 0 0
Costco Whsl Corp COM 22160K105   413,771 565 SH   SOLE   565 0 0
CVS Health Corporation COM 126650100   1,574,018 19,734 SH   SOLE   19,734 0 0
Danaher Corp COM 235851102   1,126,986 4,513 SH   SOLE   4,513 0 0
Diageo Plc ADR 25243Q205   230,696 1,551 SH   SOLE   1,551 0 0
Dimensional Emerg Core Equity Mkt ETF ETF 25434V302   7,072,746 286,114 SH   SOLE   286,114 0 0
Dimensional International Core Equity Mkt ETF ETF 25434V203   1,554,705 51,446 SH   SOLE   51,446 0 0
Disney Walt Co COM 254687106   1,149,767 9,397 SH   SOLE   9,397 0 0
Dominion Res Inc Va COM 25746U109   211,517 4,300 SH   SOLE   4,300 0 0
Du Pont E I De Nemours ADR 26614N102   279,539 3,646 SH   SOLE   3,646 0 0
Emerson Electric COM 291011104   1,416,049 12,485 SH   SOLE   12,485 0 0
ETFS Phys. Swiss Gold Shares ETF 00326A104   10,128,273 476,849 SH   SOLE   476,849 0 0
Exxon-Mobil COM 30231G102   1,586,261 13,646 SH   SOLE   13,646 0 0
First Trust Preferred Sec & Inc ETF ETF 33739E108   5,722,510 330,399 SH   SOLE   330,399 0 0
First Trust TCWOpportunistic Fxd Inc ETF ETF 33740F805   6,530,699 149,787 SH   SOLE   149,787 0 0
Fiserv Inc COM 337738108   2,093,482 13,099 SH   SOLE   13,099 0 0
General Electric COM 369604301   538,877 3,070 SH   SOLE   3,070 0 0
Global Payments, Inc. COM 37940X102   570,649 4,269 SH   SOLE   4,269 0 0
Goldman Sachs ActiveBeta Intl Eq ETF ETF 381430107   5,034,993 146,836 SH   SOLE   146,836 0 0
Goldman Sachs Group COM 38141G104   366,888 878 SH   SOLE   878 0 0
HACK- ETFMG Prime Cyber Security ETF ETF 032108664   347,238 5,416 SH   SOLE   5,416 0 0
Hewlett Packard COM 40434L105   634,113 20,983 SH   SOLE   20,983 0 0
Home Depot COM 437076102   1,922,005 5,010 SH   SOLE   5,010 0 0
Illinois Tool Works COM 452308109   910,444 3,393 SH   SOLE   3,393 0 0
Incyte Genomics Inc COM 45337C102   239,103 4,197 SH   SOLE   4,197 0 0
Intel Corp COM 458140100   669,827 15,165 SH   SOLE   15,165 0 0
International Business Machines COM 459200101   1,988,701 10,414 SH   SOLE   10,414 0 0
Intuit Inc. COM 461202103   390,000 600 SH   SOLE   600 0 0
Invesco Biotech & Genomics ETF ETF 46137V787   730,121 11,282 SH   SOLE   11,282 0 0
Invesco S&P 500 Low Volatility ETF ETF 46138E354   265,348 4,028 SH   SOLE   4,028 0 0
iShare Core MSCI EAFE ETF 46432F842   206,406 2,781 SH   SOLE   2,781 0 0
iShare Core MSCI Emerging Markets ETF 46434G103   1,942,764 37,650 SH   SOLE   37,650 0 0
iShares Core S&P 500 ETF ETF 464287200   709,210 1,349 SH   SOLE   1,349 0 0
iShares iBonds Dec 2024 Corp Bd ETF ETF 46434VBG4   730,630 29,167 SH   SOLE   29,167 0 0
iShares iBonds Dec 2024 Muni Bd ETF ETF 46435U697   3,030,792 116,794 SH   SOLE   116,794 0 0
iShares iBonds Dec 2025 Corp Bd ETF ETF 46434VBD1   1,350,929 54,451 SH   SOLE   54,451 0 0
iShares iBonds Dec 2025 Muni Bd ETF ETF 46435U432   3,042,921 115,001 SH   SOLE   115,001 0 0
iShares iBonds Dec 2026 Corp Bd ETF ETF 46435GAA0   457,968 19,202 SH   SOLE   19,202 0 0
iShares iBonds Dec 2026 Muni Bd ETF ETF 46435U259   3,038,794 119,874 SH   SOLE   119,874 0 0
iShares iBonds Dec 2027 Corp Bd ETF ETF 46435UAA9   289,093 12,147 SH   SOLE   12,147 0 0
iShares iBonds Dec 2027 Muni Bd ETF ETF 46435U283   1,643,525 65,297 SH   SOLE   65,297 0 0
iShares iBonds Dec 2028 Muni Bd ETF ETF 46435U325   926,803 36,676 SH   SOLE   36,676 0 0
iShares iBonds Dec 2029 Corp Bd ETF ETF 43436E205   3,017,471 132,229 SH   SOLE   132,229 0 0
iShares iBonds Dec 2030 Corp Bd ETF ETF 46436E726   284,693 13,303 SH   SOLE   13,303 0 0
iShares MSCI USA Momentum ETF 46432F396   278,932 1,489 SH   SOLE   1,489 0 0
iShares Russell 2000 Index Fund ETF ETF 464287655   268,133 1,275 SH   SOLE   1,275 0 0
iShares S & P Nat'l AMT-Free Muni Bd ETF 464288414   502,840 4,673 SH   SOLE   4,673 0 0
iShares S&P 500 Barra Gr. Fd. ETF 464287309   495,578 5,869 SH   SOLE   5,869 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507   3,898,080 64,176 SH   SOLE   64,176 0 0
iShares S&P Smallcap 600 Index ETF ETF 464287804   3,127,328 28,296 SH   SOLE   28,296 0 0
J P Morgan Chase & Co COM 46625H100   4,932,863 24,627 SH   SOLE   24,627 0 0
J.P. Morgan Municipal ETF ETF 46641Q647   2,631,347 51,859 SH   SOLE   51,859 0 0
Johnson & Johnson COM 478160104   3,896,001 24,629 SH   SOLE   24,629 0 0
Kinder Morgan Inc COM 49456B101   241,586 13,173 SH   SOLE   13,173 0 0
KLA Tencor Corp COM 482480100   845,914 1,211 SH   SOLE   1,211 0 0
L3Harris Technologies Inc COM 502431109   1,882,327 8,833 SH   SOLE   8,833 0 0
Lilly Eli & Co COM 532457108   1,085,254 1,395 SH   SOLE   1,395 0 0
LKQ Corp COM 501889208   484,496 9,071 SH   SOLE   9,071 0 0
Lockheed Martin Corp COM 539830109   592,679 1,303 SH   SOLE   1,303 0 0
Lowes Companies COM 548661107   3,035,892 11,918 SH   SOLE   11,918 0 0
Mastercard Inc COM 57636Q104   1,567,593 3,255 SH   SOLE   3,255 0 0
McDonalds Corp COM 580135101   1,466,386 5,201 SH   SOLE   5,201 0 0
Medtronic plc ADR G5960L103   1,758,600 20,179 SH   SOLE   20,179 0 0
Merck & Co Inc COM 58933Y105   6,967,230 52,802 SH   SOLE   52,802 0 0
Meta Platforms Cl A COM 30303M102   1,737,528 3,578 SH   SOLE   3,578 0 0
Microsoft Corp COM 594918104   12,737,332 30,275 SH   SOLE   30,275 0 0
Mondelez Intl Inc Cl A COM 609207105   1,011,290 14,447 SH   SOLE   14,447 0 0
Morgan Stanley Group COM 617446448   219,204 2,328 SH   SOLE   2,328 0 0
MPLX LP COM 55336V100   344,948 8,300 SH   SOLE   8,300 0 0
NextEra Energy Inc. COM 65339F101   1,086,174 16,995 SH   SOLE   16,995 0 0
Nike Inc Class B COM 654106103   538,480 5,730 SH   SOLE   5,730 0 0
Northrop Grumman Corp COM 666807102   264,699 553 SH   SOLE   553 0 0
Novartis A G ADR 66987V109   357,804 3,699 SH   SOLE   3,699 0 0
Nvidia Corp COM 67066G104   6,660,779 7,372 SH   SOLE   7,372 0 0
Oracle Systems COM 68389X105   887,686 7,067 SH   SOLE   7,067 0 0
Palo Alto Networks Inc COM 697435105   2,005,674 7,059 SH   SOLE   7,059 0 0
Paypal Holdings, Inc. COM 70450Y103   329,993 4,926 SH   SOLE   4,926 0 0
Pepsico COM 713448108   3,112,014 17,782 SH   SOLE   17,782 0 0
Pfizer Inc COM 717081103   560,846 20,211 SH   SOLE   20,211 0 0
Phillips 66 COM 718546104   220,836 1,352 SH   SOLE   1,352 0 0
Pimco Intermediate Muni ETF ETF 72201R866   580,343 11,060 SH   SOLE   11,060 0 0
PPG Inds Inc COM 693506107   278,208 1,920 SH   SOLE   1,920 0 0
Procter & Gamble Inc COM 742718109   3,500,998 21,578 SH   SOLE   21,578 0 0
Proshares S&P 500 Div Aristocrats ETF 74348A467   7,996,234 78,851 SH   SOLE   78,851 0 0
Public Svc Enterprise COM 744573106   419,341 6,279 SH   SOLE   6,279 0 0
Qualcomm Corp COM 747525103   1,416,163 8,365 SH   SOLE   8,365 0 0
Quanta Services Inc COM 74762E102   2,797,114 10,766 SH   SOLE   10,766 0 0
Real Estate Sector SPDR ETF 81369Y860   210,947 5,336 SH   SOLE   5,336 0 0
Regeneron Pharm COM 75886F107   460,070 478 SH   SOLE   478 0 0
Roper Technologies, Inc COM 776696106   943,934 1,683 SH   SOLE   1,683 0 0
RTX Corp. COM 75513E101   2,036,127 20,877 SH   SOLE   20,877 0 0
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107   434,548 781 SH   SOLE   781 0 0
Salesforce Com COM 79466L302   1,214,057 4,031 SH   SOLE   4,031 0 0
Sch Fundamental US Large Co ETF ETF 808524771   411,755 6,110 SH   SOLE   6,110 0 0
Schwab Dow Jones US Broad Mkt ETF ETF 808524102   1,258,988 20,622 SH   SOLE   20,622 0 0
Schwab Dow Jones US Div Eq ETF ETF 808524797   19,948,220 247,404 SH   SOLE   247,404 0 0
Schwab Dow Jones US Large Cap ETF ETF 808524201   29,754,396 479,446 SH   SOLE   479,446 0 0
Schwab Dow Jones US Large Growth ETF ETF 808524300   6,416,735 69,206 SH   SOLE   69,206 0 0
Schwab Dow Jones US Large Value ETF ETF 808524409   5,275,277 69,430 SH   SOLE   69,430 0 0
Schwab Dow Jones US Mid-Cap ETF ETF 808524508   6,884,239 84,542 SH   SOLE   84,542 0 0
Schwab Dow Jones US Sm-Cap ETF ETF 808524607   4,368,736 88,723 SH   SOLE   88,723 0 0
Schwab FTSE Developed ex-US ETF ETF 808524805   5,834,027 149,514 SH   SOLE   149,514 0 0
Schwab US AGG Bnd ETF ETF 808524839   583,940 12,694 SH   SOLE   12,694 0 0
Sector Spdr Engy Select ETF 81369Y506   335,628 3,555 SH   SOLE   3,555 0 0
SPDR Gold Shares ETF 78463V107   2,417,621 11,752 SH   SOLE   11,752 0 0
SPDR MSCI Acwi Ex-US ETF 78463X848   980,046 34,509 SH   SOLE   34,509 0 0
SPDR S&P 500 ETF ETF 78462F103   2,344,567 4,482 SH   SOLE   4,482 0 0
SPDR S&P Biotech ETF ETF 78464A870   1,163,470 12,261 SH   SOLE   12,261 0 0
SPDR S&P Dividend ETF ETF 78464A763   2,776,453 21,156 SH   SOLE   21,156 0 0
SPDR Technology Select Sector ETF 81369Y803   1,088,860 5,228 SH   SOLE   5,228 0 0
State Street Boston Corp COM 857477103   464,075 6,002 SH   SOLE   6,002 0 0
Sysco Inc COM 871829107   243,459 2,999 SH   SOLE   2,999 0 0
Target Corp COM 87612E106   376,242 2,123 SH   SOLE   2,123 0 0
TE Connectivity Ltd COM H84989104   225,122 1,550 SH   SOLE   1,550 0 0
Thermo Fisher Scientific COM 883556102   1,507,663 2,594 SH   SOLE   2,594 0 0
TJX Cos Inc COM 872540109   617,952 6,093 SH   SOLE   6,093 0 0
Truist Finl Corp COM 89832Q109   386,052 9,904 SH   SOLE   9,904 0 0
Tyson Foods Inc COM 902494103   398,042 6,778 SH   SOLE   6,778 0 0
Unilever Plc Adr New ADR 904767704   210,798 4,200 SH   SOLE   4,200 0 0
Union Pacific Corp COM 907818108   2,330,111 9,475 SH   SOLE   9,475 0 0
Valero Energy Corp. COM 91913Y100   262,703 1,539 SH   SOLE   1,539 0 0
Vanguard Consumer Staples ETF ETF 92204A207   555,465 2,721 SH   SOLE   2,721 0 0
Vanguard Div Appreciation ETF ETF 921908844   921,439 5,046 SH   SOLE   5,046 0 0
Vanguard FTSE All-World ex-USA ETF ETF 922042775   3,116,514 53,137 SH   SOLE   53,137 0 0
Vanguard FTSE Dev Mkt ETF ETF 921943858   294,749 5,875 SH   SOLE   5,875 0 0
Vanguard Growth ETF ETF 922908736   1,501,412 4,362 SH   SOLE   4,362 0 0
Vanguard Mid Cap Value ETF ETF 922908512   404,055 2,592 SH   SOLE   2,592 0 0
Vanguard Mid-Cap ETF ETF 922908629   2,225,694 8,908 SH   SOLE   8,908 0 0
Vanguard REIT ETF 922908553   932,034 10,777 SH   SOLE   10,777 0 0
Vanguard S&P 500 ETF ETF 922908363   6,027,569 12,539 SH   SOLE   12,539 0 0
Vanguard Small-Cap Value ETF ETF 922908611   1,504,447 7,841 SH   SOLE   7,841 0 0
Vanguard Tax-Exempt Bond ETF ETF 922907746   5,324,743 105,232 SH   SOLE   105,232 0 0
Vanguard Total International Stock ETF 921909768   298,584 4,952 SH   SOLE   4,952 0 0
Vanguard Value ETF ETF 922908744   1,344,980 8,259 SH   SOLE   8,259 0 0
Verizon Communications COM 92343V104   1,389,632 33,118 SH   SOLE   33,118 0 0
Vertex Pharmaceuticals COM 92532F100   333,154 797 SH   SOLE   797 0 0
VictoryShares Core Intermediate Bond ETF ETF 92647N527   3,787,064 81,653 SH   SOLE   81,653 0 0
Visa, Inc. COM 92826C839   1,417,447 5,079 SH   SOLE   5,079 0 0
Wal-Mart Stores COM 931142103   734,134 12,201 SH   SOLE   12,201 0 0
Wells Fargo & Co 7.50 Pfd PFD 949746804   342,353 281 SH   SOLE   281 0 0
Wells Fargo & Company COM 949746101   221,987 3,830 SH   SOLE   3,830 0 0
Wynn Resorts COM 983134107   230,529 2,255 SH   SOLE   2,255 0 0