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 CO COM Stock 88579Y101 560 3,405 SH   SOLE   0 0 3,404
ABBOTT LABS COM Stock 002824100 263 3,145 SH   SOLE   0 0 3,145
ABBVIE INC COM Stock 00287Y109 244 3,222 SH   DFND 1 0 2,077 1,145
ADOBE INC COM Stock 00724F101 240 867 SH   SOLE   0 0 867
ALLSTATE CORP COM Stock 020002101 2,725 25,073 SH   SOLE   0 0 25,073
ALLY FINL INC COM Stock 02005N100 424 12,800 SH   DFND 1 0 9,300 3,500
ALPHABET INC CAP STK CL A Stock 02079K305 3,245 2,657 SH   SOLE   0 0 2,657
ALPHABET INC CAP STK CL C Stock 02079K107 3,468 2,845 SH   SOLE   0 0 2,845
ALTRIA GROUP INC COM Stock 02209S103 526 12,854 SH   SOLE   0 0 12,853
AMAZON COM INC COM Stock 023135106 5,479 3,156 SH   SOLE   0 0 3,156
AMERICAN ELEC PWR CO INC COM Stock 025537101 285 3,044 SH   SOLE   0 0 3,044
AMERICAN EXPRESS CO COM Stock 025816109 570 4,819 SH   DFND 1 0 2,167 2,652
AMERICAN INTL GROUP INC COM NEW Stock 026874784 264 4,732 SH   DFND 1 0 3,366 1,366
AMERICAN TOWER CORP NEW COM REIT 03027X100 601 2,716 SH   SOLE   0 0 2,716
AMGEN INC COM Stock 031162100 11,205 57,902 SH   SOLE   0 0 57,902
APPLE INC COM Stock 037833100 13,045 58,246 SH   DFND 1 0 175 58,071
ARK INNOVATION ETF ETF 00214Q104 896 20,889 SH   SOLE   0 0 20,888
AT&T INC COM Stock 00206R102 917 24,224 SH   DFND 1 0 7,138 17,086
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 240 1,484 SH   SOLE   0 0 1,484
AVANGRID INC COM Stock 05351W103 488 9,340 SH   SOLE   0 0 9,340
BANK AMER CORP 7.25 CNV PFD L Convertible Preferred 060505682 870 580 SH   SOLE   0 0 580
BANK AMER CORP COM Stock 060505104 3,456 118,484 SH   SOLE   0 0 118,484
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 2,806 9 SH   SOLE   0 0 9
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 4,028 19,362 SH   DFND 1 0 225 19,137
BLACKROCK INC COM Stock 09247X101 425 953 SH   SOLE   0 0 953
BLACKSTONE GROUP INC COM CL A Stock 09260D107 647 13,250 SH   SOLE   0 0 13,250
BOEING CO COM Stock 097023105 13,879 36,478 SH   SOLE   0 0 36,477
BORGWARNER INC COM Stock 099724106 220 6,000 SH   SOLE   0 0 6,000
BRISTOL MYERS SQUIBB CO COM Stock 110122108 239 4,712 SH   SOLE   0 0 4,712
CELGENE CORP COM Stock 151020104 696 7,013 SH   SOLE   0 0 7,013
CENTURYLINK INC COM Stock 156700106 132 10,615 SH   DFND 1 0 10,615 0
CHEVRON CORP NEW COM Stock 166764100 651 5,493 SH   DFND 1 0 125 5,368
CISCO SYS INC COM Stock 17275R102 962 19,462 SH   SOLE   0 0 19,462
CITIGROUP INC COM NEW Stock 172967424 212 3,075 SH   SOLE   0 0 3,075
CME GROUP INC COM Stock 12572Q105 560 2,650 SH   SOLE   0 0 2,650
COCA COLA CO COM Stock 191216100 668 12,270 SH   SOLE   0 0 12,270
COLGATE PALMOLIVE CO COM Stock 194162103 213 2,900 SH   SOLE   0 0 2,900
COMCAST CORP NEW CL A Stock 20030N101 449 9,960 SH   SOLE   0 0 9,960
CONOCOPHILLIPS COM Stock 20825C104 2,607 45,760 SH   SOLE   0 0 45,760
CORTEVA INC COM Stock 22052L104 372 13,285 SH   DFND 1 0 989 12,296
COSTCO WHSL CORP NEW COM Stock 22160K105 399 1,386 SH   SOLE   0 0 1,386
CUMMINS INC COM Stock 231021106 317 1,947 SH   SOLE   0 0 1,947
CVS HEALTH CORP COM Stock 126650100 1,393 22,089 SH   SOLE   0 0 22,089
DANAHER CORPORATION COM Stock 235851102 400 2,770 SH   SOLE   0 0 2,770
DISNEY WALT CO COM DISNEY Stock 254687106 1,604 12,310 SH   SOLE   0 0 12,310
DOUBLELINE INCOME SOLUTIONS FD COM CEF 258622109 216 10,850 SH   SOLE   0 0 10,850
DOW INC COM Stock 260557103 702 14,732 SH   DFND 1 0 2,436 12,296
DUNKIN BRANDS GROUP INC COM Stock 265504100 423 5,325 SH   DFND 1 0 3,750 1,575
DUPONT DE NEMOURS INC COM Stock 26614N102 947 13,285 SH   DFND 1 0 989 12,296
EOG RES INC COM Stock 26875P101 385 5,190 SH   SOLE   0 0 5,190
EVERSOURCE ENERGY COM Stock 30040W108 313 3,662 SH   SOLE   0 0 3,662
EXXON MOBIL CORP COM Stock 30231G102 1,399 19,809 SH   DFND 1 0 333 19,476
FACEBOOK INC CL A Stock 30303M102 1,851 10,397 SH   SOLE   0 0 10,397
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 562 20,085 SH   SOLE   0 0 20,085
FIRST TRUST CAPITAL STRENGTH ETF ETF 33733E104 330 5,804 SH   SOLE   0 0 5,804
FISERV INC COM Stock 337738108 207 2,000 SH   SOLE   0 0 2,000
FORD MTR CO DEL COM Stock 345370860 128 13,930 SH   DFND 1 0 10,730 3,200
GENERAL DYNAMICS CORP COM Stock 369550108 2,546 13,933 SH   SOLE   0 0 13,933
GENERAL ELECTRIC CO COM Stock 369604103 1,269 141,948 SH   SOLE   0 0 141,948
GENERAL MTRS CO COM Stock 37045V100 243 6,475 SH   DFND 1 0 2,645 3,830
GOLDMAN SACHS GROUP INC COM Stock 38141G104 2,332 11,252 SH   SOLE   0 0 11,252
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 353 3,920 SH   SOLE   0 0 3,920
HOLOGIC INC COM Stock 436440101 278 5,500 SH   SOLE   0 0 5,500
HOME DEPOT INC COM Stock 437076102 2,210 9,524 SH   SOLE   0 0 9,523
HONEYWELL INTL INC COM Stock 438516106 748 4,422 SH   DFND 1 0 167 4,255
INTEL CORP COM Stock 458140100 6,690 129,833 SH   SOLE   0 0 129,833
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 2,674 18,385 SH   DFND 1 0 1,297 17,088
INTUIT COM Stock 461202103 239 900 SH   SOLE   0 0 900
INVESCO DWA MOMENTUM ETF ETF 46137V837 307 5,045 SH   SOLE   0 0 5,045
INVESCO FTSE RAFI US 1000 ETF ETF 46137V613 2,755 23,378 SH   SOLE   0 0 23,378
INVESCO FTSE RAFI US 1500A SMALL-MIDA ETF ETF 46137V597 1,230 9,693 SH   SOLE   0 0 9,693
INVESCO INTERNATIONAL BUYBACK ACHIEVERSA ETF ETF 46138E644 330 10,655 SH   SOLE   0 0 10,655
INVESCO PREFERRED ETF ETF 46138E511 192 12,764 SH   SOLE   0 0 12,764
INVESCO QQQ TRUST ETF 46090E103 1,324 7,010 SH   SOLE   0 0 7,010
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 1,150 10,643 SH   SOLE   0 0 10,643
IQVIA HLDGS INC COM Stock 46266C105 287 1,920 SH   SOLE   0 0 1,920
ISHARES COMEX GOLD TRUST ETF 464285105 451 32,000 SH   SOLE   0 0 32,000
ISHARES CORE S&P 500 ETF ETF 464287200 541 1,813 SH   SOLE   0 0 1,813
ISHARES EDGE MSCI MIN VOL USA ETF ETF 46429B697 256 4,000 SH   SOLE   0 0 4,000
ISHARES NASDAQ BIOTECHNOLOGY INDEX FUND ETF 464287556 214 2,153 SH   SOLE   0 0 2,153
ISHARES PREFERRED AND INCOME SECURITIES ETF ETF 464288687 272 7,241 SH   SOLE   0 0 7,241
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 290 2,260 SH   SOLE   0 0 2,260
ISHARES S&P MIDCAP FUND ETF 464287507 642 3,325 SH   SOLE   0 0 3,325
ISHARES S&P SMALL-CAP FUND ETF 464287804 930 11,953 SH   SOLE   0 0 11,953
ISHARES U.S. AEROSPACE & DEFENSE ETF ETF 464288760 395 1,760 SH   SOLE   0 0 1,760
ISHARES U.S. TECHNOLOGY ETF ETF 464287721 626 3,064 SH   SOLE   0 0 3,064
JOHNSON & JOHNSON COM Stock 478160104 7,413 57,300 SH   DFND 1 0 75 57,225
JPMORGAN CHASE & CO COM Stock 46625H100 3,943 33,504 SH   SOLE   0 0 33,504
KIMBERLY CLARK CORP COM Stock 494368103 545 3,840 SH   SOLE   0 0 3,840
LILLY ELI & CO COM Stock 532457108 275 2,460 SH   SOLE   0 0 2,460
LOCKHEED MARTIN CORP COM Stock 539830109 1,288 3,303 SH   SOLE   0 0 3,302
LOWES COS INC COM Stock 548661107 951 8,650 SH   SOLE   0 0 8,650
M & T BK CORP COM Stock 55261F104 277 1,751 SH   SOLE   0 0 1,751
MARKEL CORP COM Stock 570535104 801 678 SH   SOLE   0 0 678
MASTERCARD INC CL A Stock 57636Q104 1,323 4,871 SH   SOLE   0 0 4,871
MCDONALDS CORP COM Stock 580135101 1,308 6,092 SH   SOLE   0 0 6,092
MEDTRONIC PLC SHS Stock G5960L103 213 1,960 SH   SOLE   0 0 1,960
MERCK & CO INC COM Stock 58933Y105 771 9,164 SH   SOLE   0 0 9,164
MICROSOFT CORP COM Stock 594918104 4,634 33,332 SH   DFND 1 0 375 32,957
MONDELEZ INTL INC CL A Stock 609207105 306 5,525 SH   SOLE   0 0 5,524
MORGAN STANLEY COM NEW Stock 617446448 583 13,673 SH   SOLE   0 0 13,673
MOTOROLA SOLUTIONS INC COM NEW Stock 620076307 1,461 8,571 SH   SOLE   0 0 8,571
MSA SAFETY INC COM Stock 553498106 398 3,650 SH   DFND 1 0 2,900 750
NETFLIX INC COM Stock 64110L106 247 924 SH   SOLE   0 0 924
NEXTERA ENERGY INC COM Stock 65339F101 470 2,016 SH   SOLE   0 0 2,016
NIKE INC CL B Stock 654106103 607 6,464 SH   SOLE   0 0 6,464
NORFOLK SOUTHERN CORP COM Stock 655844108 1,014 5,645 SH   SOLE   0 0 5,645
NORTHROP GRUMMAN CORP COM Stock 666807102 784 2,091 SH   SOLE   0 0 2,090
OMEGA FLEX INC COM Stock 682095104 41,528 406,145 SH   SOLE   0 0 406,145
PEPSICO INC COM Stock 713448108 664 4,840 SH   SOLE   0 0 4,839
PFIZER INC COM Stock 717081103 7,692 214,071 SH   DFND 1 0 2,003 212,068
PHILIP MORRIS INTL INC COM Stock 718172109 637 8,388 SH   SOLE   0 0 8,387
PHILLIPS 66 COM Stock 718546104 2,687 26,244 SH   SOLE   0 0 26,244
PNC FINL SVCS GROUP INC COM Stock 693475105 586 4,183 SH   SOLE   0 0 4,183
PROCTER & GAMBLE CO COM Stock 742718109 2,578 20,725 SH   SOLE   0 0 20,724
PROSHARES S&P 500 DIVIDEND ARISTOCRATS ETF ETF 74348A467 503 7,031 SH   SOLE   0 0 7,031
PROSPECT CAPITAL CORPORATION COM CEF 74348T102 153 23,182 SH   SOLE   0 0 23,181
REALTY INCOME CORP COM REIT 756109104 289 3,770 SH   SOLE   0 0 3,770
S&P GLOBAL INC COM Stock 78409V104 237 969 SH   SOLE   0 0 969
SALESFORCE COM INC COM Stock 79466L302 484 3,258 SH   SOLE   0 0 3,258
SCHLUMBERGER LTD COM Stock 806857108 214 6,529 SH   SOLE 1 0 2,400 4,129
SCHWAB U.S. REIT ETF ETF 808524847 491 10,411 SH   SOLE   0 0 10,411
SCHWAB U.S. SMALL-CAP ETF ETF 808524607 3,035 43,529 SH   SOLE   0 0 43,528
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 1,964 35,847 SH   SOLE   0 0 35,847
SOUTHERN CO COM Stock 842587107 685 11,082 SH   SOLE   0 0 11,082
SPDR S&P 500 ETF ETF 78462F103 1,510 5,088 SH   DFND 1 0 65 5,023
SPDR S&P AEROSPACE & DEFENSE ETF ETF 78464A631 515 4,825 SH   SOLE   0 0 4,825
SPDR S&P DIVIDEND ETF ETF 78464A763 335 3,269 SH   SOLE   0 0 3,269
STARBUCKS CORP COM Stock 855244109 629 7,111 SH   SOLE   0 0 7,111
STRYKER CORP COM Stock 863667101 298 1,378 SH   SOLE   0 0 1,378
TARGET CORP COM Stock 87612E106 254 2,380 SH   SOLE   0 0 2,380
TE CONNECTIVITY LTD REG SHS Stock H84989104 243 2,607 SH   SOLE   0 0 2,607
TESLA INC COM Stock 88160R101 282 1,171 SH   SOLE   0 0 1,171
TEXAS INSTRS INC COM Stock 882508104 201 1,558 SH   SOLE   0 0 1,558
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 698 2,396 SH   SOLE   0 0 2,396
TJX COS INC NEW COM Stock 872540109 218 3,910 SH   SOLE   0 0 3,910
TRAVELERS COMPANIES INC COM Stock 89417E109 203 1,367 SH   SOLE   0 0 1,367
UNION PACIFIC CORP COM Stock 907818108 429 2,648 SH   SOLE   0 0 2,648
UNITED PARCEL SERVICE INC CL B Stock 911312106 595 4,967 SH   DFND 1 0 2,083 2,884
UNITED TECHNOLOGIES CORP COM Stock 913017109 2,014 14,750 SH   SOLE   0 0 14,750
UNITEDHEALTH GROUP INC COM Stock 91324P102 813 3,741 SH   SOLE   0 0 3,741
US BANCORP DEL COM NEW Stock 902973304 764 13,803 SH   SOLE   0 0 13,803
VANGUARD DIVIDEND APPRECIATION INDEX FUND ETF 921908844 10,075 84,255 SH   SOLE   0 0 84,254
VANGUARD FINANCIALS INDEX FUND ETF 92204A405 3,117 44,523 SH   SOLE   0 0 44,523
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,570 39,002 SH   SOLE   0 0 39,002
VANGUARD GROWTH INDEX FUND ETF 922908736 4,496 27,039 SH   SOLE   0 0 27,039
VANGUARD HEALTH CARE INDEX FUND ETF 92204A504 1,776 10,593 SH   SOLE   0 0 10,593
VANGUARD INFORMATION TECHNOLOGY INDEX FUND ETF 92204A702 2,586 11,996 SH   SOLE   0 0 11,996
VANGUARD INTERNATIONAL DIVIDEND APPRECIATION ETF ETF 921946810 8,417 126,435 SH   SOLE   0 0 126,435
VANGUARD MID-CAP INDEX FUND ETF 922908629 360 2,145 SH   SOLE   0 0 2,145
VANGUARD REAL ESTATE ETF ETF 922908553 3,288 35,259 SH   SOLE   0 0 35,258
VANGUARD S&P 500 GROWTH ETF ETF 921932505 5,769 35,688 SH   SOLE   0 0 35,687
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 1,432 23,502 SH   SOLE   0 0 23,502
VANGUARD SMALL-CAP INDEX FUND ETF 922908751 6,187 40,204 SH   SOLE   0 0 40,204
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 280 5,413 SH   SOLE   0 0 5,413
VANGUARD TOTAL STOCK MARKET INDEX FUND ETF 922908769 2,194 14,528 SH   SOLE   0 0 14,527
VANGUARD TOTAL WORLD STOCK INDEX FUND ETF 922042742 257 3,434 SH   SOLE   0 0 3,434
VANGUARD VALUE INDEX FUND ETF 922908744 566 5,073 SH   SOLE   0 0 5,073
VERIZON COMMUNICATIONS INC COM Stock 92343V104 999 16,546 SH   DFND 1 0 6,152 10,394
VISA INC COM CL A Stock 92826C839 6,094 35,430 SH   SOLE   0 0 35,430
WASHINGTON TR BANCORP COM Stock 940610108 522 10,814 SH   SOLE   0 0 10,814
WEC ENERGY GROUP INC COM Stock 92939U106 209 2,200 SH   SOLE   0 0 2,200
WELLS FARGO CO NEW COM Stock 949746101 960 19,036 SH   SOLE   0 0 19,036
WELLS FARGO CO NEW PERP PFD CNV A Convertible Preferred 949746804 770 506 SH   SOLE   0 0 506
WESTERN ASSET HGH YLD DFNDFD COM CEF 95768B107 174 11,464 SH   SOLE   0 0 11,464