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
3M Company COM 88579Y101 771 4,000 SH   SOLE   4,000 0 0
Abbott Laboratories COM 002824100 369 3,076 SH   SOLE   3,076 0 0
AbbVie Inc. COM 00287Y109 572 5,283 SH   SOLE   5,283 0 0
African Gold Acquisition Warrants COM G0112R108 114 11,500 SH   SOLE   11,500 0 0
Alexion Pharmaceuticals Inc COM 015351109 359 2,348 SH   SOLE   2,348 0 0
Alibaba Group Holding Ltd A ADR 01609W102 339 1,493 SH   SOLE   1,493 0 0
Allstate Corporation COM 020002101 1,575 13,708 SH   SOLE   13,708 0 0
Alphabet Inc A COM 02079K305 3,469 1,682 SH   SOLE   1,682 0 0
Alphabet Inc C COM 02079K107 679 328 SH   SOLE   328 0 0
Altria Group Inc. COM 02209S103 210 4,112 SH   SOLE   4,112 0 0
Amazon.com Inc. COM 023135106 2,488 804 SH   SOLE   804 0 0
American Water Works Co Inc COM 030420103 227 1,515 SH   SOLE   1,515 0 0
Ameriprise Financial Inc . COM 03076C106 935 4,022 SH   SOLE   4,022 0 0
Analog Devices Inc. COM 032654105 212 1,366 SH   SOLE   1,366 0 0
Apple Inc. COM 037833100 14,658 120,000 SH   SOLE   120,000 0 0
Aptiv PLC COM G6095L109 978 7,093 SH   SOLE   7,093 0 0
AT&T Inc. COM 00206R102 310 10,240 SH   SOLE   10,240 0 0
Auto Data Processing COM 053015103 236 1,250 SH   SOLE   1,250 0 0
Bank of America Corp. COM 060505104 2,395 61,910 SH   SOLE   61,910 0 0
Berkshire Hathaway Inc. Cla COM 084670702 322 1,259 SH   SOLE   1,259 0 0
BlackRock MuniYield Qty III ETF 09254E103 324 22,700 SH   SOLE   22,700 0 0
BP Plc. ADR ADR 055622104 293 12,044 SH   SOLE   12,044 0 0
BristolMyers Squibb Co. COM 110122108 814 12,893 SH   SOLE   12,893 0 0
Capital One Financial Corp COM 14040H105 1,410 11,084 SH   SOLE   11,084 0 0
CarGurus Inc. Class A COM 141788109 238 10,000 SH   SOLE   10,000 0 0
CF Industries Holdings Inc COM 125269100 637 14,033 SH   SOLE   14,033 0 0
Chevron Corp. COM 166764100 6,420 61,269 SH   SOLE   61,269 0 0
Chubb Ltd. COM H1467J104 359 2,272 SH   SOLE   2,272 0 0
Cisco Systems Inc. COM 17275R102 1,738 33,602 SH   SOLE   33,602 0 0
Clorox Co. COM 189054109 227 1,175 SH   SOLE   1,175 0 0
CocaCola Company COM 191216100 1,150 21,811 SH   SOLE   21,811 0 0
Communication Services Sel ETF 81369Y852 208 2,841 SH   SOLE   2,841 0 0
Constellation Brands Inc. COM 21036P108 3,981 17,463 SH   SOLE   17,463 0 0
Costco Wholesale Corp. COM 22160K105 616 1,747 SH   SOLE   1,747 0 0
Cummins Inc. COM 231021106 811 3,131 SH   SOLE   3,131 0 0
CVS Caremark Corp. COM 126650100 1,037 13,785 SH   SOLE   13,785 0 0
Danaher Corp. COM 235851102 1,175 5,221 SH   SOLE   5,221 0 0
Darden Restaurants Inc. COM 237194105 1,566 11,026 SH   SOLE   11,026 0 0
DTE Energy Company COM 233331107 723 5,431 SH   SOLE   5,431 0 0
Eaton Vance California Muni COM 27828A100 177 15,200 SH   SOLE   15,200 0 0
Eaton Vance Municipal Bond NOTE 27827X101 146 10,990 SH   SOLE   10,990 0 0
eBay Inc COM 278642103 246 4,015 SH   SOLE   4,015 0 0
Ecolab Inc. COM 278865100 593 2,772 SH   SOLE   2,772 0 0
Edoc Acquisition Corp Ordin COM G4000A102 191 19,100 SH   SOLE   19,100 0 0
Eli Lilly & Co. COM 532457108 982 5,255 SH   SOLE   5,255 0 0
Emerson Electric Co. COM 291011104 337 3,730 SH   SOLE   3,730 0 0
Exxon Mobil Corporation COM 30231G102 36,713 657,577 SH   SOLE   657,577 0 0
Facebook Inc. COM 30303M102 1,785 6,060 SH   SOLE   6,060 0 0
Financial Select Sector SPD ETF 81369Y605 1,797 52,771 SH   SOLE   52,771 0 0
Fiserv Inc. COM 337738108 2,925 24,570 SH   SOLE   24,570 0 0
Gilead Sciences Inc. COM 375558103 658 10,187 SH   SOLE   10,187 0 0
Global X US Infrastructure ETF 37954Y673 1,490 59,439 SH   SOLE   59,439 0 0
Growth Capital Acquisition COM 39986V107 151 15,570 SH   SOLE   15,570 0 0
HP Inc COM 40434l105 1,257 39,586 SH   SOLE   39,586 0 0
Illinois Tool Works Inc. COM 452308109 251 1,131 SH   SOLE   1,131 0 0
Intel Corp. COM 458140100 2,260 35,320 SH   SOLE   35,320 0 0
International Business Mach COM 459200101 481 3,610 SH   SOLE   3,610 0 0
Invesco Muni Invst. Grade T ETF 46131M106 179 13,300 SH   SOLE   13,300 0 0
Invesco QQQ Trust ETF 46090E103 2,543 7,967 SH   SOLE   7,967 0 0
Invesco Quality Muni Income ETF 46133G107 189 14,600 SH   SOLE   14,600 0 0
Invesco S&P 500 Equal Weig ETF 46137v357 3,818 26,949 SH   SOLE   26,949 0 0
Invesco Senior Loan ETF ETF 46138G508 972 43,928 SH   SOLE   43,928 0 0
Invesco Value Muni Income T NOTE 46132P108 284 18,100 SH   SOLE   18,100 0 0
Invesco Variable Rate Prefe ETF 46138G870 1,890 73,113 SH   SOLE   73,113 0 0
iShares Barclays 13 Yr. Tr ETF 464287457 676 7,839 SH   SOLE   7,839 0 0
iShares Barclays Aggregate ETF 464287226 7,389 64,911 SH   SOLE   64,911 0 0
iShares Barclays TIPS Bond ETF 464287176 1,038 8,270 SH   SOLE   8,270 0 0
iShares Cohen & Steers REIT ETF 464287564 937 16,217 SH   SOLE   16,217 0 0
iShares DJ Select Dividend ETF 464287168 623 5,463 SH   SOLE   5,463 0 0
iShares Edge MSCI USA Quali ETF 46432F339 1,077 8,841 SH   SOLE   8,841 0 0
iShares Floating Rate Bond ETF 46429B655 1,657 32,622 SH   SOLE   32,622 0 0
iShares IntermediateTerm C ETF 464288638 609 10,286 SH   SOLE   10,286 0 0
iShares MSCI EAFE Index Fun ETF 464287465 496 6,536 SH   SOLE   6,536 0 0
iShares MSCI EAFE Minimum V ETF 46429B689 1,329 18,213 SH   SOLE   18,213 0 0
iShares MSCI Emerging Marke ETF 464287234 3,108 58,270 SH   SOLE   58,270 0 0
iShares MSCI USA Min Vol Fa ETF 46429B697 977 14,126 SH   SOLE   14,126 0 0
iShares MSCI USA Momentum F ETF 46432F396 1,292 8,033 SH   SOLE   8,033 0 0
iShares National Muni Bond ETF 464288414 440 3,793 SH   SOLE   3,793 0 0
iShares Russell 1000 ETF ETF 464287622 1,561 6,974 SH   SOLE   6,974 0 0
iShares Russell 1000 Growth ETF 464287614 2,552 10,501 SH   SOLE   10,501 0 0
iShares Russell 2000 Index ETF 464287655 6,024 27,264 SH   SOLE   27,264 0 0
iShares S&P 500 Index Fund ETF 464287200 8,693 21,851 SH   SOLE   21,851 0 0
iShares S&P SmallCap 600 In ETF 464287804 477 4,397 SH   SOLE   4,397 0 0
iShares S&P US Pref. Stock ETF 464288687 881 22,941 SH   SOLE   22,941 0 0
iShares US Home Constructio ETF 464288752 1,435 21,140 SH   SOLE   21,140 0 0
Johnson & Johnson COM 478160104 909 5,532 SH   SOLE   5,532 0 0
JP Morgan Chase & Co. COM 46625H100 3,611 23,723 SH   SOLE   23,723 0 0
KLA Corp COM 482480100 805 2,437 SH   SOLE   2,437 0 0
L3Harris Technologies Inc COM 502431109 433 2,138 SH   SOLE   2,138 0 0
Lionheart Acquisition Corp Mutual Fund 53625R104 196 20,000 SH   SOLE   20,000 0 0
LKQ Corp COM 501889208 892 21,062 SH   SOLE   21,062 0 0
Lowe's Companies Inc. COM 548661107 1,990 10,464 SH   SOLE   10,464 0 0
Mastercard Inc COM 57636Q104 3,236 9,089 SH   SOLE   9,089 0 0
McDonald's Corp. COM 580135101 2,006 8,950 SH   SOLE   8,950 0 0
McKesson Corp. COM 58155Q103 1,425 7,307 SH   SOLE   7,307 0 0
Merck & Co. Inc. COM 58933Y105 619 8,025 SH   SOLE   8,025 0 0
Microchip Technology Inc. COM 595017104 1,015 6,541 SH   SOLE   6,541 0 0
Microsoft Corp COM 594918104 2,869 12,168 SH   SOLE   12,168 0 0
Novartis AG ADR ADR 66987V109 266 3,111 SH   SOLE   3,111 0 0
Nuveen NY AMTFree Quality NOTE 670656107 171 12,500 SH   SOLE   12,500 0 0
Nuveen Quality Muni Income ETF 67066V101 338 22,300 SH   SOLE   22,300 0 0
Nvidia Corp. COM 67066G104 9,573 17,930 SH   SOLE   17,930 0 0
Oracle Corporation COM 68389X105 228 3,247 SH   SOLE   3,247 0 0
PayPal Holdings Inc. COM 70450Y103 1,898 7,817 SH   SOLE   7,817 0 0
Pepsico Incorporated COM 713448108 223 1,575 SH   SOLE   1,575 0 0
Pfizer Inc. COM 717081103 1,889 52,148 SH   SOLE   52,148 0 0
Procter & Gamble COM 742718109 1,610 11,888 SH   SOLE   11,888 0 0
Property Solutions Acquisi COM 74350A207 118 12,000 SH   SOLE   12,000 0 0
PTK Acquisition Corp Ordina COM 69375F108 100 10,150 SH   SOLE   10,150 0 0
Public Service Enterprise G COM 744573106 1,230 20,422 SH   SOLE   20,422 0 0
Quanta Services Inc. COM 74762E102 1,903 21,628 SH   SOLE   21,628 0 0
Raytheon Technologies Corp COM 75513E101 392 5,071 SH   SOLE   5,071 0 0
Roman DBDR Tech Acquisition COM 77584N101 199 20,000 SH   SOLE   20,000 0 0
Roper Industries Inc. COM 776696106 1,958 4,855 SH   SOLE   4,855 0 0
Salesforce.com Inc. COM 79466L302 260 1,229 SH   SOLE   1,229 0 0
Seaport Global Acquisition COM 812227106 110 11,200 SH   SOLE   11,200 0 0
SherwinWilliams Co. COM 824348106 232 315 SH   SOLE   315 0 0
Snowflake Inc Ordinary Shar COM 833445109 385 1,679 SH   SOLE   1,679 0 0
SPDR BarCap ST High Yield B ETF 78468R408 2,305 84,333 SH   SOLE   84,333 0 0
SPDR Blackstone GSO Seni ETF 78467V608 526 11,495 SH   SOLE   11,495 0 0
SPDR Gold Shares ETF 78463V107 2,975 18,596 SH   SOLE   18,596 0 0
SPDR Nuveen Blmbg Barclays NOTE 78468R721 613 11,858 SH   SOLE   11,858 0 0
SPDR Nuveen Blmbg Barclays ETF 78468R739 2,468 49,795 SH   SOLE   49,795 0 0
SPDR S&P 500 ETF ETF 78462F103 4,686 11,824 SH   SOLE   11,824 0 0
SPDR S&P MidCap 400 ETF ETF 78467Y107 7,742 16,263 SH   SOLE   16,263 0 0
Stanley Black & Decker Inc. COM 854502101 1,349 6,758 SH   SOLE   6,758 0 0
Stryker Corp. COM 863667101 757 3,107 SH   SOLE   3,107 0 0
SVB Financial Group COM 78486Q101 273 552 SH   SOLE   552 0 0
Synopsys Inc. COM 871607107 640 2,582 SH   SOLE   2,582 0 0
Sysco Corporation COM 871829107 365 4,637 SH   SOLE   4,637 0 0
Target Corporation COM 87612E106 2,751 13,888 SH   SOLE   13,888 0 0
Technology Select Sector SP COM 81369Y803 1,573 11,841 SH   SOLE   11,841 0 0
Tesla Motors Inc. COM 88160R101 508 760 SH   SOLE   760 0 0
Thermo Fisher Scientific In COM 883556102 3,638 7,971 SH   SOLE   7,971 0 0
TJX Companies Inc. COM 872540109 255 3,850 SH   SOLE   3,850 0 0
Trane Technologies PLC COM G8994E103 621 3,748 SH   SOLE   3,748 0 0
Travelers Companies Inc. COM 89417E109 1,409 9,368 SH   SOLE   9,368 0 0
Tyson Foods, Inc. Class A COM 902494103 1,056 14,218 SH   SOLE   14,218 0 0
Union Pacific Corp. COM 907818108 1,052 4,771 SH   SOLE   4,771 0 0
Valero Energy Corp. COM 91913Y100 742 10,360 SH   SOLE   10,360 0 0
VanEck Vectors High Yield M NOTE 92189H409 1,655 26,623 SH   SOLE   26,623 0 0
Vanguard High Dividend Yiel ETF 921946406 377 3,733 SH   SOLE   3,733 0 0
Vanguard IntTerm Corporate ETF 92206C870 1,166 12,530 SH   SOLE   12,530 0 0
Vanguard ShortTerm Corp. B ETF 92206C409 3,718 45,065 SH   SOLE   45,065 0 0
Vanguard Small Cap ETF ETF 922908751 5,400 25,223 SH   SOLE   25,223 0 0
Vanguard Value ETF COM 922908744 205 1,560 SH   SOLE   1,560 0 0
Verizon Communications COM 92343V104 1,941 33,379 SH   SOLE   33,379 0 0
Visa Inc. COM 92826C839 284 1,340 SH   SOLE   1,340 0 0
WalMart Stores Inc. COM 931142103 1,623 11,948 SH   SOLE   11,948 0 0
Walt Disney Co. COM 254687106 2,857 15,485 SH   SOLE   15,485 0 0
Wyndham Hotels & Resorts In COM 98311A105 216 3,100 SH   SOLE   3,100 0 0
Zoetis Inc. COM 98978V103 390 2,478 SH   SOLE   2,478 0 0