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 88579Y101 1,799 10,254 SH   SOLE   0 0 10,254
ABBOTT LABS COM 002824100 6,651 56,303 SH   SOLE   0 0 56,303
ABBVIE INC COM 00287Y109 6,939 64,326 SH   SOLE   0 0 64,326
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 9,996 31,246 SH   SOLE   0 0 31,246
ADOBE SYSTEMS INCORPORATED COM 00724F101 7,285 12,653 SH   SOLE   0 0 12,653
AEYE INC CLASS A COM 008183105 55 10,000 SH   SOLE   0 0 10,000
AGENUS INC COM NEW 00847G705 250 47,650 SH   SOLE   0 0 47,650
AIR PRODS & CHEMS INC COM 009158106 874 3,413 SH   SOLE   0 0 3,413
AKAMAI TECHNOLOGIES INC COM 00971T101 321 3,068 SH   SOLE   0 0 3,068
ALIGN TECHNOLOGY INC COM 016255101 365 548 SH   SOLE   0 0 548
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106 248 5,000 SH   SOLE   0 0 5,000
ALPHABET INC CAP STK CL A 02079K305 9,280 3,471 SH   SOLE   0 0 3,471
ALPHABET INC CAP STK CL C 02079K107 1,855 696 SH   SOLE   0 0 696
ALTRIA GROUP INC COM 02209S103 345 7,571 SH   SOLE   0 0 7,571
AMAZON COM INC COM 023135106 13,380 4,073 SH   SOLE   0 0 4,073
AMERICAN CENTY ETF TR FOCUSED LRG CAP 025072794 509 8,600 SH   SOLE   0 0 8,600
AMERICAN TOWER CORP NEW COM 03027X100 1,912 7,204 SH   SOLE   0 0 7,204
AMGEN INC COM 031162100 1,773 8,337 SH   SOLE   0 0 8,337
ANALOG DEVICES INC COM 032654105 227 1,358 SH   SOLE   0 0 1,358
APPLE INC COM 037833100 25,307 178,846 SH   SOLE   0 0 178,846
APPLIED MATLS INC COM 038222105 4,567 35,478 SH   SOLE   0 0 35,478
ARIDIS PHARMACEUTICALS INC COM 040334104 92 25,000 SH   SOLE   0 0 25,000
ARISTA NETWORKS INC COM 040413106 2,599 7,562 SH   SOLE   0 0 7,562
AT&T INC COM 00206R102 1,065 39,428 SH   SOLE   0 0 39,428
AUTODESK INC COM 052769106 523 1,835 SH   SOLE   0 0 1,835
AUTOMATIC DATA PROCESSING IN COM 053015103 609 3,045 SH   SOLE   0 0 3,045
AVALO THERAPEUTICS INC COM 05338F108 225 103,410 SH   SOLE   0 0 103,410
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 13,257 48,572 SH   SOLE   0 0 48,572
BK OF AMERICA CORP COM 060505104 1,046 24,644 SH   SOLE   0 0 24,644
BLACKROCK INC COM 09247X101 1,572 1,875 SH   SOLE   0 0 1,875
BLACKSTONE INC COM 09260D107 361 3,100 SH   SOLE   0 0 3,100
BOEING CO COM 097023105 416 1,891 SH   SOLE   0 0 1,891
BRISTOL-MYERS SQUIBB CO COM 110122108 1,344 22,717 SH   SOLE   0 0 22,717
BROADCOM INC COM 11135F101 6,704 13,824 SH   SOLE   0 0 13,824
BROOKFIELD RENEWABLE PARTNER PARTNERSHIP UNIT G16258108 3,828 103,700 SH   SOLE   0 0 103,700
CARRIER GLOBAL CORPORATION COM 14448C104 237 4,575 SH   SOLE   0 0 4,575
CATERPILLAR INC COM 149123101 314 1,636 SH   SOLE   0 0 1,636
CBRE GROUP INC CL A 12504L109 217 2,229 SH   SOLE   0 0 2,229
CHEMED CORP NEW COM 16359R103 883 1,898 SH   SOLE   0 0 1,898
CHEVRON CORP NEW COM 166764100 1,354 13,345 SH   SOLE   0 0 13,345
CISCO SYS INC COM 17275R102 1,917 35,227 SH   SOLE   0 0 35,227
CITIGROUP INC COM NEW 172967424 429 6,109 SH   SOLE   0 0 6,109
COCA COLA CO COM 191216100 413 7,867 SH   SOLE   0 0 7,867
COHEN & STEERS QUALITY INCOM COM 19247L106 179 12,000 SH   SOLE   0 0 12,000
COLGATE PALMOLIVE CO COM 194162103 289 3,818 SH   SOLE   0 0 3,818
COMCAST CORP NEW CL A 20030N101 3,925 70,185 SH   SOLE   0 0 70,185
CONTRAFECT CORP COM NEW 212326300 280 69,200 SH   SOLE   0 0 69,200
COSTCO WHSL CORP NEW COM 22160K105 4,610 10,260 SH   SOLE   0 0 10,260
CRANE CO COM 224399105 216 2,280 SH   SOLE   0 0 2,280
CROWDSTRIKE HLDGS INC CL A 22788C105 462 1,880 SH   SOLE   0 0 1,880
CROWN CASTLE INTL CORP NEW COM 22822V101 640 3,692 SH   SOLE   0 0 3,692
CVS HEALTH CORP COM 126650100 1,295 15,266 SH   SOLE   0 0 15,266
DANAHER CORPORATION COM 235851102 7,408 24,334 SH   SOLE   0 0 24,334
DELEK LOGISTICS PARTNERS LP COM UNT RP INT 24664T103 226 5,000 SH   SOLE   0 0 5,000
DISNEY WALT CO COM 254687106 1,132 6,692 SH   SOLE   0 0 6,692
DOMINION ENERGY INC COM 25746U109 351 4,812 SH   SOLE   0 0 4,812
DOVER CORP COM 260003108 546 3,509 SH   SOLE   0 0 3,509
DUKE ENERGY CORP NEW COM NEW 26441C204 448 4,590 SH   SOLE   0 0 4,590
ECOLAB INC COM 278865100 713 3,417 SH   SOLE   0 0 3,417
EMERSON ELEC CO COM 291011104 1,832 19,452 SH   SOLE   0 0 19,452
EVERSOURCE ENERGY COM 30040W108 312 3,819 SH   SOLE   0 0 3,819
EXPEDITORS INTL WASH INC COM 302130109 370 3,108 SH   SOLE   0 0 3,108
EXTRA SPACE STORAGE INC COM 30225T102 228 1,360 SH   SOLE   0 0 1,360
EXXON MOBIL CORP COM 30231G102 2,232 37,941 SH   SOLE   0 0 37,941
FACEBOOK INC CL A 30303M102 3,204 9,440 SH   SOLE   0 0 9,440
FAIR ISAAC CORP COM 303250104 930 2,337 SH   SOLE   0 0 2,337
FIDELITY COVINGTON TRUST BLUE CHIP GRWTH 316092352 358 11,000 SH   SOLE   0 0 11,000
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 3,598 67,715 SH   SOLE   0 0 67,715
FISERV INC COM 337738108 460 4,239 SH   SOLE   0 0 4,239
FRANCHISE GROUP INC COM 35180X105 1,169 33,000 SH   SOLE   0 0 33,000
FRANKLIN RESOURCES INC COM 354613101 885 29,778 SH   SOLE   0 0 29,778
GENERAL MLS INC COM 370334104 206 3,445 SH   SOLE   0 0 3,445
GENUINE PARTS CO COM 372460105 3,423 28,237 SH   SOLE   0 0 28,237
GILEAD SCIENCES INC COM 375558103 256 3,662 SH   SOLE   0 0 3,662
GOLDMAN SACHS GROUP INC COM 38141G104 2,210 5,845 SH   SOLE   0 0 5,845
GOLDMAN SACHS PHYSICAL GOLD UNIT 38150K103 4,027 230,645 SH   SOLE   0 0 230,645
HERC HLDGS INC COM 42704L104 230 1,405 SH   SOLE   0 0 1,405
HOME DEPOT INC COM 437076102 7,523 22,919 SH   SOLE   0 0 22,919
HONEYWELL INTL INC COM 438516106 5,351 25,209 SH   SOLE   0 0 25,209
HUBSPOT INC COM 443573100 327 484 SH   SOLE   0 0 484
ILLINOIS TOOL WKS INC COM 452308109 799 3,866 SH   SOLE   0 0 3,866
ILLUMINA INC COM 452327109 376 928 SH   SOLE   0 0 928
INDEXIQ ACTIVE ETF TR IQ MACKAY INSRED 45409F843 24,944 909,385 SH   SOLE   0 0 909,385
INNOVATIVE INDL PPTYS INC COM 45781V101 2,680 11,595 SH   SOLE   0 0 11,595
INTEL CORP COM 458140100 1,395 26,175 SH   SOLE   0 0 26,175
INTERCONTINENTAL EXCHANGE IN COM 45866F104 1,765 15,374 SH   SOLE   0 0 15,374
INTERNATIONAL BUSINESS MACHS COM 459200101 1,076 7,744 SH   SOLE   0 0 7,744
INTUIT COM 461202103 2,673 4,955 SH   SOLE   0 0 4,955
INTUITIVE SURGICAL INC COM NEW 46120E602 1,073 1,079 SH   SOLE   0 0 1,079
INVESCO EXCH TRADED FD TR II S&P MIDCP LOW 46138E107 596 11,350 SH   SOLE   0 0 11,350
INVESCO QQQ TR UNIT SER 1 46090E103 249 696 SH   SOLE   0 0 696
ISHARES INC CORE MSCI EMKT 46434G103 264 4,271 SH   SOLE   0 0 4,271
ISHARES TR CORE S&P MCP ETF 464287507 307 1,168 SH   SOLE   0 0 1,168
ISHARES TR CORE S&P SCP ETF 464287804 734 6,720 SH   SOLE   0 0 6,720
ISHARES TR CORE S&P500 ETF 464287200 1,079 2,504 SH   SOLE   0 0 2,504
ISHARES TR RUS 1000 VAL ETF 464287598 1,180 7,542 SH   SOLE   0 0 7,542
ISHARES TR RUS 1000 GRW ETF 464287614 555 2,024 SH   SOLE   0 0 2,024
ISHARES TR RUSSELL 2000 ETF 464287655 842 3,848 SH   SOLE   0 0 3,848
ISHARES TR RUS 2000 GRW ETF 464287648 915 3,116 SH   SOLE   0 0 3,116
ISHARES TR MSCI EAFE ETF 464287465 434 5,557 SH   SOLE   0 0 5,557
ISHARES TR IBOXX INV CP ETF 464287242 1,662 12,490 SH   SOLE   0 0 12,490
ISHARES TR TIPS BD ETF 464287176 231 1,812 SH   SOLE   0 0 1,812
ISHARES TR NATIONAL MUN ETF 464288414 552 4,750 SH   SOLE   0 0 4,750
ISHARES TR CORE HIGH DV ETF 46429B663 203 2,157 SH   SOLE   0 0 2,157
ISHARES TR MSCI USA MIN VOL 46429B697 3,085 41,972 SH   SOLE   0 0 41,972
ISHARES TR MSCI USA QLT FCT 46432F339 379 2,877 SH   SOLE   0 0 2,877
ISHARES TR CORE DIV GRWTH 46434V621 995 19,800 SH   SOLE   0 0 19,800
JBG SMITH PPTYS COM 46590V100 1,049 35,440 SH   SOLE   0 0 35,440
JOHNSON & JOHNSON COM 478160104 5,811 35,979 SH   SOLE   0 0 35,979
JPMORGAN CHASE & CO COM 46625H100 3,318 20,267 SH   SOLE   0 0 20,267
KIMBERLY-CLARK CORP COM 494368103 312 2,357 SH   SOLE   0 0 2,357
KNOWLES CORP NOTE 3.250%11/0 49926DAB5 10 10,000 PRN   SOLE   0 0 10,000
LILLY ELI & CO COM 532457108 596 2,580 SH   SOLE   0 0 2,580
LOCKHEED MARTIN CORP COM 539830109 634 1,837 SH   SOLE   0 0 1,837
LOWES COS INC COM 548661107 5,440 26,817 SH   SOLE   0 0 26,817
MARATHON PETE CORP COM 56585A102 210 3,397 SH   SOLE   0 0 3,397
MARRIOTT VACATIONS WORLDWIDE NOTE 1.500% 9/1 57164YAB3 12 10,000 PRN   SOLE   0 0 10,000
MASTERCARD INCORPORATED CL A 57636Q104 993 2,856 SH   SOLE   0 0 2,856
MCDONALDS CORP COM 580135101 4,315 17,897 SH   SOLE   0 0 17,897
MEDTRONIC PLC SHS G5960L103 5,844 46,624 SH   SOLE   0 0 46,624
MERCK & CO INC COM 58933Y105 596 7,939 SH   SOLE   0 0 7,939
MGIC INVT CORP WIS COM 552848103 523 34,939 SH   SOLE   0 0 34,939
MICROSOFT CORP COM 594918104 14,870 52,746 SH   SOLE   0 0 52,746
MODERNA INC COM 60770K107 277 720 SH   SOLE   0 0 720
MONDELEZ INTL INC CL A 609207105 456 7,832 SH   SOLE   0 0 7,832
NETFLIX INC COM 64110L106 1,166 1,911 SH   SOLE   0 0 1,911
NEWELL BRANDS INC COM 651229106 1,809 81,722 SH   SOLE   0 0 81,722
NEXGEN ENERGY LTD COM 65340P106 47 10,000 SH   SOLE   0 0 10,000
NEXTERA ENERGY INC COM 65339F101 4,106 52,294 SH   SOLE   0 0 52,294
NIKE INC CL B 654106103 5,641 38,842 SH   SOLE   0 0 38,842
NORFOLK SOUTHN CORP COM 655844108 232 971 SH   SOLE   0 0 971
NORTHERN TR CORP COM 665859104 216 2,000 SH   SOLE   0 0 2,000
NOVARTIS AG SPONSORED ADR 66987V109 277 3,393 SH   SOLE   0 0 3,393
NOVO-NORDISK A S ADR 670100205 848 8,830 SH   SOLE   0 0 8,830
NVIDIA CORPORATION COM 67066G104 8,273 39,934 SH   SOLE   0 0 39,934
OREILLY AUTOMOTIVE INC COM 67103H107 592 969 SH   SOLE   0 0 969
PACKAGING CORP AMER COM 695156109 207 1,506 SH   SOLE   0 0 1,506
PALO ALTO NETWORKS INC COM 697435105 588 1,228 SH   SOLE   0 0 1,228
PAVMED INC COM 70387R106 256 30,000 SH   SOLE   0 0 30,000
PAYCHEX INC COM 704326107 3,166 28,153 SH   SOLE   0 0 28,153
PAYPAL HLDGS INC COM 70450Y103 6,572 25,256 SH   SOLE   0 0 25,256
PEPSICO INC COM 713448108 2,823 18,771 SH   SOLE   0 0 18,771
PFIZER INC COM 717081103 2,459 57,168 SH   SOLE   0 0 57,168
POWERFLEET INC COM 73931J109 140 20,900 SH   SOLE   0 0 20,900
PRICE T ROWE GROUP INC COM 74144T108 963 4,894 SH   SOLE   0 0 4,894
PROCTER AND GAMBLE CO COM 742718109 3,442 24,622 SH   SOLE   0 0 24,622
PRUDENTIAL FINL INC COM 744320102 220 2,095 SH   SOLE   0 0 2,095
QUALCOMM INC COM 747525103 5,574 43,217 SH   SOLE   0 0 43,217
QUANTA SVCS INC COM 74762E102 1,124 9,876 SH   SOLE   0 0 9,876
RAYTHEON TECHNOLOGIES CORP COM 75513E101 481 5,591 SH   SOLE   0 0 5,591
REEDS INC COM 758338107 30 50,000 SH   SOLE   0 0 50,000
REGENERON PHARMACEUTICALS COM 75886F107 359 593 SH   SOLE   0 0 593
REPUBLIC SVCS INC COM 760759100 216 1,802 SH   SOLE   0 0 1,802
ROCKWELL AUTOMATION INC COM 773903109 2,863 9,736 SH   SOLE   0 0 9,736
SALESFORCE COM INC COM 79466L302 3,855 14,215 SH   SOLE   0 0 14,215
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,376 31,000 SH   SOLE   0 0 31,000
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 15,084 203,180 SH   SOLE   0 0 203,180
SELECT SECTOR SPDR TR ENERGY 81369Y506 653 12,544 SH   SOLE   0 0 12,544
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 1,009 7,929 SH   SOLE   0 0 7,929
SERVICENOW INC COM 81762P102 3,843 6,175 SH   SOLE   0 0 6,175
SHERWIN WILLIAMS CO COM 824348106 576 2,059 SH   SOLE   0 0 2,059
SIMON PPTY GROUP INC NEW COM 828806109 265 2,039 SH   SOLE   0 0 2,039
SOUTHERN CO COM 842587107 270 4,351 SH   SOLE   0 0 4,351
SPDR GOLD TR GOLD SHS 78463V107 2,483 15,118 SH   SOLE   0 0 15,118
SPDR S&P 500 ETF TR TR UNIT 78462F103 21,524 50,157 SH   SOLE   0 0 50,157
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,016 2,113 SH   SOLE   0 0 2,113
SPDR SER TR BLMBRG BRC CNVRT 78464A359 2,457 28,785 SH   SOLE   0 0 28,785
SPDR SER TR BLOOMBERG SRT TR 78468R408 326 11,900 SH   SOLE   0 0 11,900
SPLUNK INC COM 848637104 218 1,506 SH   SOLE   0 0 1,506
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 2,863 59,249 SH   SOLE   0 0 59,249
STARBUCKS CORP COM 855244109 5,867 53,183 SH   SOLE   0 0 53,183
STARWOOD PPTY TR INC COM 85571B105 282 11,573 SH   SOLE   0 0 11,573
TARGET CORP COM 87612E106 6,318 27,619 SH   SOLE   0 0 27,619
TESLA INC COM 88160R101 298 384 SH   SOLE   0 0 384
TEXAS INSTRS INC COM 882508104 6,845 35,614 SH   SOLE   0 0 35,614
THERMO FISHER SCIENTIFIC INC COM 883556102 6,709 11,742 SH   SOLE   0 0 11,742
TJX COS INC NEW COM 872540109 1,776 26,913 SH   SOLE   0 0 26,913
TWILIO INC CL A 90138F102 450 1,409 SH   SOLE   0 0 1,409
UNION PAC CORP COM 907818108 1,342 6,847 SH   SOLE   0 0 6,847
UNITED PARCEL SERVICE INC CL B 911312106 563 3,089 SH   SOLE   0 0 3,089
UNITEDHEALTH GROUP INC COM 91324P102 6,193 15,849 SH   SOLE   0 0 15,849
VANECK ETF TRUST INVESTMENT GRD 92189F486 239 9,407 SH   SOLE   0 0 9,407
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 2,048 61,970 SH   SOLE   0 0 61,970
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 497 6,067 SH   SOLE   0 0 6,067
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 545 2,987 SH   SOLE   0 0 2,987
VANGUARD INDEX FDS MID CAP ETF 922908629 1,391 5,876 SH   SOLE   0 0 5,876
VANGUARD INDEX FDS SM CP VAL ETF 922908611 329 1,941 SH   SOLE   0 0 1,941
VANGUARD INDEX FDS SMALL CP ETF 922908751 281 1,286 SH   SOLE   0 0 1,286
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,012 5,101 SH   SOLE   0 0 5,101
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 239 2,905 SH   SOLE   0 0 2,905
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 507 3,302 SH   SOLE   0 0 3,302
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 241 4,765 SH   SOLE   0 0 4,765
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 907 8,775 SH   SOLE   0 0 8,775
VANGUARD WORLD FDS INF TECH ETF 92204A702 451 1,125 SH   SOLE   0 0 1,125
VERIZON COMMUNICATIONS INC COM 92343V104 694 12,847 SH   SOLE   0 0 12,847
VICI PPTYS INC COM 925652109 270 9,508 SH   SOLE   0 0 9,508
VISA INC COM CL A 92826C839 6,781 30,442 SH   SOLE   0 0 30,442
VROOM INC COM 92918V109 694 31,462 SH   SOLE   0 0 31,462
WALGREENS BOOTS ALLIANCE INC COM 931427108 483 10,258 SH   SOLE   0 0 10,258
WALMART INC COM 931142103 320 2,294 SH   SOLE   0 0 2,294
WASTE MGMT INC DEL COM 94106L109 554 3,709 SH   SOLE   0 0 3,709
WELLS FARGO CO NEW COM 949746101 360 7,750 SH   SOLE   0 0 7,750
WISDOMTREE TR US LARGECAP DIVD 97717W307 832 6,976 SH   SOLE   0 0 6,976
X4 PHARMACEUTICALS INC COM 98420X103 90 17,000 SH   SOLE   0 0 17,000
ZOETIS INC CL A 98978V103 367 1,890 SH   SOLE   0 0 1,890