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
Estimated average burden
hours per response: 23.8
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
22nd Centy Group Inc COM 90137F103 87 30,800 SH   SOLE NONE 0 0 30,800
3m Company COM 88579Y101 2,256 10,705 SH   SOLE NONE 0 0 10,705
A F L A C Inc COM 001055102 1,791 38,054 SH   SOLE NONE 0 0 38,054
A T & T Inc COM 00206R102 5,972 177,844 SH   SOLE NONE 0 0 177,844
Abbvie Inc COM 00287Y109 1,755 18,559 SH   SOLE NONE 0 0 18,559
Advanced Micro Devic COM 007903107 308 9,978 SH   SOLE NONE 0 0 9,978
Alibaba Group Hldg SPONSORED ADS 01609W102 1,294 7,856 SH   SOLE NONE 0 0 7,856
Alphabet Inc CAP STK CL C 02079K107 703 589 SH   SOLE NONE 0 0 589
Alphabet Inc CAP STK CL A 02079K305 6,381 5,286 SH   SOLE NONE 0 0 5,286
Altria Group Inc COM 02209S103 1,114 18,477 SH   SOLE NONE 0 0 18,477
Amazon Com Inc COM 023135106 11,391 5,687 SH   SOLE NONE 0 0 5,687
Amer Electric Pwr Co COM 025537101 308 4,343 SH   SOLE NONE 0 0 4,343
American Axle & Mfg COM 024061103 541 31,000 SH   SOLE NONE 0 0 31,000
American Express Co COM 025816109 715 6,718 SH   SOLE NONE 0 0 6,718
American Intl Group COM NEW 026874784 341 6,408 SH   SOLE NONE 0 0 6,408
Amerigas Partners UNIT L P INT 030975106 251 6,352 SH   SOLE NONE 0 0 6,352
Amgen Inc. COM 031162100 386 1,860 SH   SOLE NONE 0 0 1,860
Andeavor COM 03349M105 223 1,454 SH   SOLE NONE 0 0 1,454
Anthem Inc COM 036752103 960 3,505 SH   SOLE NONE 0 0 3,505
Apple Inc COM 037833100 14,877 65,901 SH   SOLE NONE 0 0 65,901
Ark Innovation Etf INNOVATION ETF 00214Q104 873 18,441 SH   SOLE NONE 0 0 18,441
Bank Of America 7.25%CNV PFD L 060505682 1,261 975 SH   SOLE NONE 0 0 975
Bank Of America Corp COM 060505104 3,409 115,729 SH   SOLE NONE 0 0 115,729
Barclays Bk ADR PFD SR 5 06739H362 1,442 55,400 SH   SOLE NONE 0 0 55,400
Bb&T Corporation COM 054937107 1,826 37,610 SH   SOLE NONE 0 0 37,610
Berkshire Hathaway CL B NEW 084670702 3,515 16,415 SH   SOLE NONE 0 0 16,415
Boeing Co COM 097023105 1,885 5,067 SH   SOLE NONE 0 0 5,067
Bridge Bancorp Inc COM 108035106 338 10,188 SH   SOLE NONE 0 0 10,188
Bristol-Myers Squibb COM 110122108 1,869 30,105 SH   SOLE NONE 0 0 30,105
Carnival Corp New UNIT 99/99/9999 143658300 2,163 33,918 SH   SOLE NONE 0 0 33,918
Charles Schwab Corp COM 808513105 754 15,332 SH   SOLE NONE 0 0 15,332
China Mobile Ltd SPONSORED ADR 16941M109 409 8,351 SH   SOLE NONE 0 0 8,351
Chubb Ltd COM H1467J104 408 3,053 SH   SOLE NONE 0 0 3,053
Cisco Systems Inc COM 17275R102 2,997 61,598 SH   SOLE NONE 0 0 61,598
Citigroup Inc COM NEW 172967424 3,353 46,733 SH   SOLE NONE 0 0 46,733
Coca Cola Company COM 191216100 632 13,679 SH   SOLE NONE 0 0 13,679
Cohen Steers Qual Income COM 19247L106 522 42,611 SH   SOLE NONE 0 0 42,611
Columbia Financial, COM 197641103 1,308 78,348 SH   SOLE NONE 0 0 78,348
Comcast Corporation CL A 20030N101 605 17,077 SH   SOLE NONE 0 0 17,077
Communicat Svs Slct Sec COMMUNICATION 81369Y852 614 12,530 SH   SOLE NONE 0 0 12,530
Credit Suisse Asset Mana COM 224916106 301 95,096 SH   SOLE NONE 0 0 95,096
Cvs Health Corp COM 126650100 317 4,031 SH   SOLE NONE 0 0 4,031
Danaher Corp Del COM 235851102 258 2,371 SH   SOLE NONE 0 0 2,371
Delta Air Lines Inc New COM NEW 247361702 1,554 26,873 SH   SOLE NONE 0 0 26,873
Dominion Res Inc Va New COM 25746U109 473 6,728 SH   SOLE NONE 0 0 6,728
Dowdupont Inc COM 26078J100 3,719 57,830 SH   SOLE NONE 0 0 57,830
Duke Energy Corp COM NEW 26441C204 3,863 48,273 SH   SOLE NONE 0 0 48,273
Eaton Corp Plc SHS G29183103 663 7,639 SH   SOLE NONE 0 0 7,639
Emerson Electric Co COM 291011104 616 8,045 SH   SOLE NONE 0 0 8,045
Energy Select Sector ENERGY 81369Y506 236 3,120 SH   SOLE NONE 0 0 3,120
Enterprise Prd Prtnrs COM 293792107 1,494 51,995 SH   SOLE NONE 0 0 51,995
Eog Resources Inc COM 26875P101 576 4,517 SH   SOLE NONE 0 0 4,517
Estee Lauderco Inc CL A 518439104 322 2,213 SH   SOLE NONE 0 0 2,213
Express Scripts Hldg COM 30219G108 589 6,201 SH   SOLE NONE 0 0 6,201
Exxon Mobil Corp COM 30231G102 623 7,323 SH   SOLE NONE 0 0 7,323
Facebook Inc CL A 30303M102 5,144 31,279 SH   SOLE NONE 0 0 31,279
Fedex Corporation COM 31428X106 768 3,187 SH   SOLE NONE 0 0 3,187
General Dynamics Co COM 369550108 728 3,555 SH   SOLE NONE 0 0 3,555
General Mills Inc COM 370334104 646 15,042 SH   SOLE NONE 0 0 15,042
Gilead Sciences Inc COM 375558103 811 10,509 SH   SOLE NONE 0 0 10,509
Glaxosmithkline Plc SPONSORED ADR 37733W105 1,145 28,500 SH   SOLE NONE 0 0 28,500
Goldman Sachs Group Inc COM 38141G104 1,734 7,733 SH   SOLE NONE 0 0 7,733
Hartford Finl Svc Gp COM 416515104 371 7,433 SH   SOLE NONE 0 0 7,433
Heico Corp CL A 422806208 1,968 26,068 SH   SOLE NONE 0 0 26,068
Home Depot Inc COM 437076102 6,537 31,558 SH   SOLE NONE 0 0 31,558
Honeywell International COM 438516106 967 5,814 SH   SOLE NONE 0 0 5,814
Hsbc Hldgs Plc SPON ADR NEW 404280406 3,074 69,880 SH   SOLE NONE 0 0 69,880
Ibm Corp COM 459200101 311 2,060 SH   SOLE NONE 0 0 2,060
Illinois Tool Works Inc COM 452308109 205 1,456 SH   SOLE NONE 0 0 1,456
Intel Corp COM 458140100 1,434 30,322 SH   SOLE NONE 0 0 30,322
Invesco Aerospace & Defense ET AEROSPACE DEFN 46137V100 255 4,137 SH   SOLE NONE 0 0 4,137
Invesco QQQ Trust UNIT SER 1 46090E103 6,940 37,352 SH   SOLE NONE 0 0 37,352
Invesco S&P 500 Low S&P500 LOW VOL 46138E354 395 7,972 SH   SOLE NONE 0 0 7,972
Invesco S&P 500 Low Volatilit S&P500 LOW VOL 46138E354 1,215 24,531 SH   SOLE NONE 0 0 24,531
Ishares Aero & Def Etf US AER DEF ETF 464288760 290 1,341 SH   SOLE NONE 0 0 1,341
Ishares Core S&P Small CORE S&P SCP ETF 464287804 518 5,938 SH   SOLE NONE 0 0 5,938
Ishares Russell 1000 RUS 1000 GRW ETF 464287614 438 2,805 SH   SOLE NONE 0 0 2,805
Ishares Tr Russell RUS 1000 ETF 464287622 521 3,219 SH   SOLE NONE 0 0 3,219
Jetblue Airways Corp COM 477143101 1,333 68,850 SH   SOLE NONE 0 0 68,850
Johnson & Johnson COM 478160104 7,845 56,780 SH   SOLE NONE 0 0 56,780
Jpmorgan Chase & Co COM 46625H100 4,916 43,564 SH   SOLE NONE 0 0 43,564
Kraft Heinz Company COM 500754106 1,314 23,843 SH   SOLE NONE 0 0 23,843
Lockheed Martin Corp COM 539830109 709 2,049 SH   SOLE NONE 0 0 2,049
Lowes Companies Inc COM 548661107 522 4,551 SH   SOLE NONE 0 0 4,551
Mastercard Inc CL A 57636Q104 1,750 7,861 SH   SOLE NONE 0 0 7,861
Mc Donalds Corp COM 580135101 250 1,495 SH   SOLE NONE 0 0 1,495
Medtronic Plc SHS G5960L103 413 4,199 SH   SOLE NONE 0 0 4,199
Merck & Co Inc COM 58933Y105 2,793 39,365 SH   SOLE NONE 0 0 39,365
Metlife Inc COM 59156R108 3,634 77,775 SH   SOLE NONE 0 0 77,775
Microsoft Corp COM 594918104 9,258 80,947 SH   SOLE NONE 0 0 80,947
Mondelez Intl CL A 609207105 422 9,828 SH   SOLE NONE 0 0 9,828
Netflix Inc COM 64110L106 585 1,563 SH   SOLE NONE 0 0 1,563
Neuberger Bermn Real Est COM 64190A103 109 22,000 SH   SOLE NONE 0 0 22,000
Nike Inc CL B 654106103 228 2,691 SH   SOLE NONE 0 0 2,691
Occidental Petrol Co COM 674599105 347 4,228 SH   SOLE NONE 0 0 4,228
Oracle Corporation COM 68389X105 489 9,494 SH   SOLE NONE 0 0 9,494
Pepsico Incorporated COM 713448108 1,781 15,926 SH   SOLE NONE 0 0 15,926
Pfizer Incorporated COM 717081103 3,457 78,434 SH   SOLE NONE 0 0 78,434
Philip Morris Intl COM 718172109 527 6,457 SH   SOLE NONE 0 0 6,457
Phillips COM 718546104 2,850 25,280 SH   SOLE NONE 0 0 25,280
Pimco Total Return ACTIVE BD ETF 72201R775 7,160 69,953 SH   SOLE NONE 0 0 69,953
Procter & Gamble COM 742718109 2,265 27,214 SH   SOLE NONE 0 0 27,214
Prudential Financial Inc COM 744320102 1,333 13,155 SH   SOLE NONE 0 0 13,155
Qualcomm Inc COM 747525103 226 3,137 SH   SOLE NONE 0 0 3,137
Raytheon Company COM NEW 755111507 255 1,233 SH   SOLE NONE 0 0 1,233
Rowe T Price Group Inc COM 74144T108 732 6,700 SH   SOLE NONE 0 0 6,700
Royal Dutch Shell SPONS ADR A 780259206 330 4,850 SH   SOLE NONE 0 0 4,850
S P D R S&P 500 Etf Tr TR UNIT 78462F103 711 2,445 SH   SOLE NONE 0 0 2,445
Salesforce Com COM 79466L302 604 3,795 SH   SOLE NONE 0 0 3,795
Schwab Emerging Markets EMRG MKTEQ ETF 808524706 781 30,384 SH   SOLE NONE 0 0 30,384
Schwab Fundamental US SCHWAB FDT US SC 808524763 3,768 92,533 SH   SOLE NONE 0 0 92,533
Schwab International INTL EQTY ETF 808524805 3,449 102,860 SH   SOLE NONE 0 0 102,860
Schwab US Broad Market US BRD MKT ETF 808524102 21,670 307,859 SH   SOLE NONE 0 0 307,859
Schwab US Dividend US DIVIDEND EQ 808524797 486 9,171 SH   SOLE NONE 0 0 9,171
Schwab US Tips Etf US TIPS ETF 808524870 2,719 50,386 SH   SOLE NONE 0 0 50,386
Service Now Inc COM 81762P102 217 1,111 SH   SOLE NONE 0 0 1,111
Southern Company COM 842587107 250 5,727 SH   SOLE NONE 0 0 5,727
Spdr Fund Consumer SBI CONS STPLS 81369Y308 425 7,885 SH   SOLE NONE 0 0 7,885
Spdr Fund Consumer SBI CONS DISCR 81369Y407 449 3,833 SH   SOLE NONE 0 0 3,833
Spdr S&P 400 Mid Cap S&P 400 MDCP GRW 78464A821 4,228 75,566 SH   SOLE NONE 0 0 75,566
Spotify Technology SHS L8681T102 259 1,431 SH   SOLE NONE 0 0 1,431
Square Inc CL A 852234103 368 3,720 SH   SOLE NONE 0 0 3,720
Stanley Black & Decker COM 854502101 239 1,634 SH   SOLE NONE 0 0 1,634
Starbucks Corp COM 855244109 385 6,776 SH   SOLE NONE 0 0 6,776
Technology Select Sector TECHNOLOGY 81369Y803 941 12,485 SH   SOLE NONE 0 0 12,485
Teva Pharm Inds Ltd SPONSORED ADR 881624209 462 21,450 SH   SOLE NONE 0 0 21,450
Thermo Fisher Scntfc COM 883556102 1,991 8,155 SH   SOLE NONE 0 0 8,155
Travelers Companies COM 89417E109 1,138 8,776 SH   SOLE NONE 0 0 8,776
Trupanion Inc COM 898202106 518 14,500 SH   SOLE NONE 0 0 14,500
U S Bancorp Del New COM NEW 902973304 840 15,904 SH   SOLE NONE 0 0 15,904
Unilever N V N Y SHS NEW 904784709 246 4,433 SH   SOLE NONE 0 0 4,433
Unilever Plc SPON ADR NEW 904767704 224 4,072 SH   SOLE NONE 0 0 4,072
United Contl Hldgs Inc COM 910047109 2,541 28,531 SH   SOLE NONE 0 0 28,531
United Parcel Srvc CL B 911312106 1,546 13,245 SH   SOLE NONE 0 0 13,245
United Technologies Corp COM 913017109 619 4,430 SH   SOLE NONE 0 0 4,430
Unitedhealth Grp Inc COM 91324P102 851 3,200 SH   SOLE NONE 0 0 3,200
Usana Health Science COM 90328M107 346 2,874 SH   SOLE NONE 0 0 2,874
Valero Energy Corp COM 91913Y100 275 2,417 SH   SOLE NONE 0 0 2,417
Vanguard Ftse All World ALLWRLD EX US 922042775 2,381 45,739 SH   SOLE NONE 0 0 45,739
Vanguard Info Technology INF TECH ETF 92204A702 514 2,539 SH   SOLE NONE 0 0 2,539
Vanguard Large Cap Etf LARGE CAP ETF 922908637 434 3,253 SH   SOLE NONE 0 0 3,253
Vanguard Mid Cap Value MCAP VL IDXVIP 922908512 257 2,274 SH   SOLE NONE 0 0 2,274
Vanguard Total Intl Etf VG TL INTL STK F 921909768 221 4,100 SH   SOLE NONE 0 0 4,100
Vanguard Total Stock TOTAL STK MKT 922908769 445 2,973 SH   SOLE NONE 0 0 2,973
Veeva Systems Inc CL A COM 922475108 911 8,368 SH   SOLE NONE 0 0 8,368
Verizon Communicatn COM 92343V104 6,605 123,713 SH   SOLE NONE 0 0 123,713
Visa Inc COM CL A 92826C839 6,563 43,724 SH   SOLE NONE 0 0 43,724
Vmware Inc Cl A CL A COM 928563402 266 1,704 SH   SOLE NONE 0 0 1,704
Wal-Mart Stores Inc COM 931142103 216 2,296 SH   SOLE NONE 0 0 2,296
Walt Disney Co COM DISNEY 254687106 847 7,246 SH   SOLE NONE 0 0 7,246
Waste Management Inc Del COM 94106L109 4,082 45,180 SH   SOLE NONE 0 0 45,180
Wells Fargo & Co COM 949746101 1,718 32,686 SH   SOLE NONE 0 0 32,686
Wells Fargo L PERP PFD CNV A 949746804 1,009 782 SH   SOLE NONE 0 0 782
Weyerhaeuser Co COM 962166104 1,546 47,923 SH   SOLE NONE 0 0 47,923