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
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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
22nd Centy Group Inc COM 90137F103 34 30,800 SH   SOLE NONE 0 0 30,800
3m Company COM 88579Y101 1,664 9,431 SH   SOLE NONE 0 0 9,431
A F L A C Inc COM 001055102 1,994 37,688 SH   SOLE NONE 0 0 37,688
A T & T Inc New COM 00206R102 8,713 222,942 SH   SOLE NONE 0 0 222,942
Abbvie Inc COM 00287Y109 1,849 20,884 SH   SOLE NONE 0 0 20,884
Adams Express Co COM 006212104 393 24,938 SH   SOLE NONE 0 0 24,938
Advanced Micro Devices COM 007903107 298 6,500 SH   SOLE NONE 0 0 6,500
Alibaba Group Hldg Adr SPONSORED ADS 01609W102 1,805 8,512 SH   SOLE NONE 0 0 8,512
Alphabet A CAP STK CL A 02079K305 6,335 4,730 SH   SOLE NONE 0 0 4,730
Alphabet C CAP STK CL C 02079K107 671 502 SH   SOLE NONE 0 0 502
Altria Group Inc COM 02209S103 647 12,960 SH   SOLE NONE 0 0 12,960
Amazon Com Inc COM 023135106 10,414 5,636 SH   SOLE NONE 0 0 5,636
Amer Electric Pwr Co Inc COM 025537101 341 3,607 SH   SOLE NONE 0 0 3,607
American Express Company COM 025816109 1,038 8,336 SH   SOLE NONE 0 0 8,336
American Intl Group Inc COM NEW 026874784 424 8,260 SH   SOLE NONE 0 0 8,260
Anthem Inc COM 036752103 483 1,598 SH   SOLE NONE 0 0 1,598
Apple Computer Inc COM 037833100 18,008 61,324 SH   SOLE NONE 0 0 61,324
Ark Genomic Revolution GENOMIC REV ETF 00214Q302 272 8,113 SH   SOLE NONE 0 0 8,113
Ark Innovation Etf INNOVATION ETF 00214Q104 1,901 37,973 SH   SOLE NONE 0 0 37,973
Bank Of America 7.25%CNV PFD L 060505682 1,335 921 SH   SOLE NONE 0 0 921
Bank Of America Corp COM 060505104 3,415 96,963 SH   SOLE NONE 0 0 96,963
Berkshire Hathaway Cl B CL B NEW 084670702 4,349 19,200 SH   SOLE NONE 0 0 19,200
Boeing Co COM 097023105 575 1,764 SH   SOLE NONE 0 0 1,764
Bp Plc Adr SPONSORED ADR 055622104 235 6,221 SH   SOLE NONE 0 0 6,221
Bridge Bancorp Inc COM 108035106 299 8,925 SH   SOLE NONE 0 0 8,925
Bristol-Myers Squibb Co COM 110122108 1,092 17,015 SH   SOLE NONE 0 0 17,015
C V S Corp Del COM 126650100 1,776 23,902 SH   SOLE NONE 0 0 23,902
Carnival Corp New UNIT 99/99/9999 143658300 504 9,922 SH   SOLE NONE 0 0 9,922
Chubb Corporation COM H1467J104 423 2,715 SH   SOLE NONE 0 0 2,715
Cisco Systems Inc COM 17275R102 2,832 59,042 SH   SOLE NONE 0 0 59,042
Citigroup Inc COM NEW 172967424 1,581 19,790 SH   SOLE NONE 0 0 19,790
Coca Cola Company COM 191216100 689 12,452 SH   SOLE NONE 0 0 12,452
Cohen Steers Qual Income COM 19247L106 552 37,105 SH   SOLE NONE 0 0 37,105
Columbia Financial, COM 197641103 210 12,420 SH   SOLE NONE 0 0 12,420
Comcast Corp New Cl A CL A 20030N101 762 16,939 SH   SOLE NONE 0 0 16,939
Communicat Svs Slct Sec COMMUNICATION 81369Y852 286 5,330 SH   SOLE NONE 0 0 5,330
Corteva Inc com COM 22052L104 318 10,773 SH   SOLE NONE 0 0 10,773
Credit Suisse Asset Mana COM 224916106 341 106,050 SH   SOLE NONE 0 0 106,050
CyberArk Software Ltd SHS M2682V108 544 4,666 SH   SOLE NONE 0 0 4,666
Danaher Corp Del COM 235851102 565 3,679 SH   SOLE NONE 0 0 3,679
Delta Air Lines Inc New COM NEW 247361702 2,292 39,188 SH   SOLE NONE 0 0 39,188
Disney Walt Co COM DISNEY 254687106 2,610 18,049 SH   SOLE NONE 0 0 18,049
Dominion Res Inc Va New COM 25746U109 704 8,502 SH   SOLE NONE 0 0 8,502
Dow Chemical Company COM 260557103 554 10,118 SH   SOLE NONE 0 0 10,118
Duke Energy Corp New COM NEW 26441C204 2,347 25,728 SH   SOLE NONE 0 0 25,728
Eaton Corporation SHS G29183103 614 6,485 SH   SOLE NONE 0 0 6,485
Eaton Vance Insured COM 27827Y109 239 19,779 SH   SOLE NONE 0 0 19,779
Emerson Electric Co COM 291011104 422 5,539 SH   SOLE NONE 0 0 5,539
Enbridge Inc COM 29250N105 437 10,999 SH   SOLE NONE 0 0 10,999
Enterprise Prd Prtnrs COM 293792107 1,770 62,854 SH   SOLE NONE 0 0 62,854
Estee Lauderco Inc CL A 518439104 689 3,335 SH   SOLE NONE 0 0 3,335
Exxon Mobil Corporation COM 30231G102 448 6,423 SH   SOLE NONE 0 0 6,423
F M C Corp New COM NEW 302491303 544 5,453 SH   SOLE NONE 0 0 5,453
Facebook Inc Class A CL A 30303M102 5,333 25,981 SH   SOLE NONE 0 0 25,981
General Mills Inc COM 370334104 214 4,000 SH   SOLE NONE 0 0 4,000
Gilead Sciences Inc COM 375558103 247 3,800 SH   SOLE NONE 0 0 3,800
Goldman Sachs Group Inc COM 38141G104 366 1,593 SH   SOLE NONE 0 0 1,593
Hartford Finl Svcs Grp COM 416515104 334 5,502 SH   SOLE NONE 0 0 5,502
Heico Corp CL A 422806208 1,895 21,165 SH   SOLE NONE 0 0 21,165
Home Depot Inc COM 437076102 6,066 27,777 SH   SOLE NONE 0 0 27,777
Honeywell International COM 438516106 1,076 6,078 SH   SOLE NONE 0 0 6,078
Hsbc Hldgs Plc Adr New SPON ADR NEW 404280406 2,151 55,020 SH   SOLE NONE 0 0 55,020
Intel Corp COM 458140100 1,548 25,873 SH   SOLE NONE 0 0 25,873
International Paper Co COM 460146103 2,014 43,743 SH   SOLE NONE 0 0 43,743
Intl Business Machines COM 459200101 364 2,714 SH   SOLE NONE 0 0 2,714
Invesco Aerospace & Defense ETF AEROSPACE DEFN 46137V100 211 3,080 SH   SOLE NONE 0 0 3,080
Invesco Emerging Markets EMRNG MKT SVRG 46138E784 843 28,513 SH   SOLE NONE 0 0 28,513
Invesco QQQ Trust UNIT SER 1 46090E103 7,334 34,496 SH   SOLE NONE 0 0 34,496
Invesco S&P 500 Equal S&P500 EQL DIS 46137V381 824 7,407 SH   SOLE NONE 0 0 7,407
Invesco S&P 500 Equal S&P500 EQL UTL 46137V274 687 6,461 SH   SOLE NONE 0 0 6,461
Invesco S&P 500 Equal Weight S&P500 EQL STP 46137V373 860 5,893 SH   SOLE NONE 0 0 5,893
Invesco S&P 500 Equal Weight S&P500 EQL HLT 46137V332 639 2,887 SH   SOLE NONE 0 0 2,887
Invesco S&P 500 Low Volatility S&P500 LOW VOL 46138E354 941 16,124 SH   SOLE NONE 0 0 16,124
Iron Mountain Inc New COM 46284V101 1,020 32,000 SH   SOLE NONE 0 0 32,000
Ishares Aero & Def Etf US AER DEF ETF 464288760 218 982 SH   SOLE NONE 0 0 982
iShares Edge MSCI Min Vol EAFE ETF MIN VOL EAFE ETF 46429B689 3,584 48,075 SH   SOLE NONE 0 0 48,075
Ishares Russell 1000 RUS 1000 GRW ETF 464287614 308 1,749 SH   SOLE NONE 0 0 1,749
Ishares S&P U S Pfd Fund PFD AND INCM SEC 464288687 285 7,591 SH   SOLE NONE 0 0 7,591
Ishares Tr Russell RUS 1000 ETF 464287622 974 5,459 SH   SOLE NONE 0 0 5,459
Ishares Tr S&P Smallcap CORE S&P SCP ETF 464287804 527 6,283 SH   SOLE NONE 0 0 6,283
Jetblue Airways Corp COM 477143101 955 51,000 SH   SOLE NONE 0 0 51,000
Johnson & Johnson COM 478160104 3,212 22,023 SH   SOLE NONE 0 0 22,023
Jpmorgan Chase & Co COM 46625H100 6,808 48,834 SH   SOLE NONE 0 0 48,834
Kinder Morgan Inc COM 49456B101 550 25,992 SH   SOLE NONE 0 0 25,992
Lockheed Martin Corp COM 539830109 663 1,703 SH   SOLE NONE 0 0 1,703
Lowes Companies Inc COM 548661107 541 4,516 SH   SOLE NONE 0 0 4,516
Luckin Coffee Inc SPONSORED ADS 54951L109 210 5,340 SH   SOLE NONE 0 0 5,340
Mastercard Inc CL A 57636Q104 2,483 8,316 SH   SOLE NONE 0 0 8,316
Mc Donalds Corp COM 580135101 371 1,877 SH   SOLE NONE 0 0 1,877
Medtronic Inc SHS G5960L103 574 5,057 SH   SOLE NONE 0 0 5,057
Merck & Co Inc COM 58933Y105 1,972 21,687 SH   SOLE NONE 0 0 21,687
Metlife Inc COM 59156R108 3,652 71,658 SH   SOLE NONE 0 0 71,658
Microsoft Corp COM 594918104 12,705 80,563 SH   SOLE NONE 0 0 80,563
Mondelez Intl Inc Cl A CL A 609207105 768 13,939 SH   SOLE NONE 0 0 13,939
Neuberger Bermn Real Est COM 64190A103 257 46,000 SH   SOLE NONE 0 0 46,000
Nike Inc Class B CL B 654106103 385 3,796 SH   SOLE NONE 0 0 3,796
Nuveen Municipal Credit COM SH BEN INT 67070X101 564 34,474 SH   SOLE NONE 0 0 34,474
Nuveen New York Dividend COM 67066X107 1,393 98,095 SH   SOLE NONE 0 0 98,095
Nuveen Nj Div Ad Muni Fd COM 67069Y102 976 66,599 SH   SOLE NONE 0 0 66,599
Nuveen Ny Amt Free Muni COM 670656107 2,189 161,321 SH   SOLE NONE 0 0 161,321
Nvidia Corp COM 67066G104 1,139 4,840 SH   SOLE NONE 0 0 4,840
Oracle Corporation COM 68389X105 476 8,986 SH   SOLE NONE 0 0 8,986
Paypal Holdings Inco COM 70450Y103 273 2,523 SH   SOLE NONE 0 0 2,523
Pepsico Incorporated COM 713448108 1,873 13,705 SH   SOLE NONE 0 0 13,705
Pfizer Incorporated COM 717081103 2,779 70,939 SH   SOLE NONE 0 0 70,939
Philip Morris Intl Inc COM 718172109 363 4,264 SH   SOLE NONE 0 0 4,264
Phillips COM 718546104 2,633 23,631 SH   SOLE NONE 0 0 23,631
Pimco Total Return ACTIVE BD ETF 72201R775 5,564 51,611 SH   SOLE NONE 0 0 51,611
Procter & Gamble COM 742718109 3,128 25,042 SH   SOLE NONE 0 0 25,042
Prologis Inc COM 74340W103 661 7,416 SH   SOLE NONE 0 0 7,416
Proshares Short S&P 500 SHORT S&P 500 NE 74347B425 377 15,683 SH   SOLE NONE 0 0 15,683
Prudential Financial Inc COM 744320102 2,156 23,005 SH   SOLE NONE 0 0 23,005
Purefunds Ise Cyber PRIME CYBR SCRTY 26924G201 202 4,872 SH   SOLE NONE 0 0 4,872
Qualcomm Inc COM 747525103 229 2,591 SH   SOLE NONE 0 0 2,591
Rocky Mtn Choc Fact New COM 77467X101 139 15,013 SH   SOLE NONE 0 0 15,013
Rowe T Price Group Inc COM 74144T108 816 6,700 SH   SOLE NONE 0 0 6,700
Royal Dutch Shell A Adrf SPONS ADR A 780259206 1,886 31,980 SH   SOLE NONE 0 0 31,980
S P D R S&P 500 Etf Tr TR UNIT 78462F103 844 2,622 SH   SOLE NONE 0 0 2,622
Salesforce Com COM 79466L302 1,629 10,018 SH   SOLE NONE 0 0 10,018
Sch US Div Equity Etf US DIVIDEND EQ 808524797 835 14,420 SH   SOLE NONE 0 0 14,420
Schw Intl Eq Etf INTL EQTY ETF 808524805 1,641 48,795 SH   SOLE NONE 0 0 48,795
Schw US Brd Mkt Etf US BRD MKT ETF 808524102 21,622 281,247 SH   SOLE NONE 0 0 281,247
Schw US Lcap Gro Etf US LCAP GR ETF 808524300 2,698 29,040 SH   SOLE NONE 0 0 29,040
Schwab Fundamental US SCHWAB FDT US SC 808524763 1,692 42,049 SH   SOLE NONE 0 0 42,049
Schwab Intermediate Term INTRM TRM TRES 808524854 968 17,630 SH   SOLE NONE 0 0 17,630
Schwab Short Term US SHT TM US TRES 808524862 1,035 20,499 SH   SOLE NONE 0 0 20,499
Sector Spdr Consumer Fd SBI CONS DISCR 81369Y407 409 3,264 SH   SOLE NONE 0 0 3,264
Sector Spdr Tech Select TECHNOLOGY 81369Y803 953 10,399 SH   SOLE NONE 0 0 10,399
Sector Spdr Tr Con Stpls SBI CONS STPLS 81369Y308 436 6,919 SH   SOLE NONE 0 0 6,919
Service Now Inc COM 81762P102 470 1,666 SH   SOLE NONE 0 0 1,666
Sherwin Williams Co COM 824348106 262 448 SH   SOLE NONE 0 0 448
Spdr Long Term Treasury PORTFOLIO LN TSR 78464A664 2,527 65,024 SH   SOLE NONE 0 0 65,024
Spdr S&P 400 Mid Cap S&P 400 MDCP GRW 78464A821 2,462 43,122 SH   SOLE NONE 0 0 43,122
Spirit Realty Cap New COM NEW 84860W300 220 4,466 SH   SOLE NONE 0 0 4,466
SPLUNK INC COM 848637104 909 6,066 SH   SOLE NONE 0 0 6,066
Square Inc CL A 852234103 252 4,023 SH   SOLE NONE 0 0 4,023
Stanley Black & Decker COM 854502101 272 1,639 SH   SOLE NONE 0 0 1,639
Starbucks Corp COM 855244109 1,050 11,944 SH   SOLE NONE 0 0 11,944
The Southern Company COM 842587107 377 5,914 SH   SOLE NONE 0 0 5,914
Thermo Electron Corp COM 883556102 2,316 7,129 SH   SOLE NONE 0 0 7,129
Travelers Companies Inc COM 89417E109 996 7,271 SH   SOLE NONE 0 0 7,271
Truist Finl Corp Com COM 89832Q109 1,881 33,404 SH   SOLE NONE 0 0 33,404
U S Bancorp Del New COM NEW 902973304 1,330 22,432 SH   SOLE NONE 0 0 22,432
Unilever N V Ny Shs Newf N Y SHS NEW 904784709 255 4,433 SH   SOLE NONE 0 0 4,433
United Contl Hldgs Inc COM 910047109 2,612 29,646 SH   SOLE NONE 0 0 29,646
United Parcel Service B CL B 911312106 1,493 12,751 SH   SOLE NONE 0 0 12,751
United Technologies Corp COM 913017109 895 5,975 SH   SOLE NONE 0 0 5,975
Unitedhealth Group Inc COM 91324P102 1,590 5,407 SH   SOLE NONE 0 0 5,407
Valero Energy Corp New COM 91913Y100 1,592 16,997 SH   SOLE NONE 0 0 16,997
Vanguard Info Technology INF TECH ETF 92204A702 493 2,013 SH   SOLE NONE 0 0 2,013
Vanguard Large Cap LARGE CAP ETF 922908637 392 2,651 SH   SOLE NONE 0 0 2,651
Vanguard Mid Cap Value MCAP VL IDXVIP 922908512 235 1,975 SH   SOLE NONE 0 0 1,975
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 570 3,484 SH   SOLE NONE 0 0 3,484
Varian Medical Systems COM 92220P105 227 1,600 SH   SOLE NONE 0 0 1,600
Veeva Systems Inc CL A COM 922475108 932 6,629 SH   SOLE NONE 0 0 6,629
Verizon Communications COM 92343V104 6,474 105,442 SH   SOLE NONE 0 0 105,442
Visa Inc Cl A COM CL A 92826C839 8,403 44,718 SH   SOLE NONE 0 0 44,718
Vmware Inc Cl A CL A COM 928563402 347 2,284 SH   SOLE NONE 0 0 2,284
Vodafone Group Plc Adr SPONSORED ADR 92857W308 451 23,337 SH   SOLE NONE 0 0 23,337
Wal-Mart Stores Inc COM 931142103 251 2,110 SH   SOLE NONE 0 0 2,110
Waste Management Inc Del COM 94106L109 5,484 48,122 SH   SOLE NONE 0 0 48,122
Wells Fargo & Co New COM 949746101 1,241 23,063 SH   SOLE NONE 0 0 23,063
Wells Fargo L PERP PFD CNV A 949746804 1,729 1,192 SH   SOLE NONE 0 0 1,192
Xcel Energy Inc COM 98389B100 290 4,561 SH   SOLE NONE 0 0 4,561
Xtrackers MSCI EAFE Hedged Equity ETF XTRACK MSCI EAFE 233051200 246 7,284 SH   SOLE NONE 0 0 7,284
Yum Brands Inc COM 988498101 393 3,905 SH   SOLE NONE 0 0 3,905