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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101   226,409 1,888 SH   SOLE   0 0 1,888
Abbott Labs COM 002824100   666,316 6,069 SH   SOLE   0 0 6,069
AbbVie Inc COM 00287Y109   701,387 4,340 SH   SOLE   0 0 4,340
Allstate Corp COM 020002101   637,216 4,699 SH   SOLE   0 0 4,699
Alphabet, Inc. Cl A COM 02079K305   5,631,280 63,825 SH   SOLE   0 0 63,825
Alphabet, Inc. Cl C COM 02079K107   1,498,650 16,890 SH   SOLE   0 0 16,890
Altria Group Inc COM 02209S103   348,996 7,635 SH   SOLE   0 0 7,635
Amazon.com COM 023135106   1,852,620 22,055 SH   SOLE   0 0 22,055
American Tower Corp COM 03027X100   462,067 2,181 SH   SOLE   0 0 2,181
Amgen Inc COM 031162100   2,613,048 9,949 SH   SOLE   0 0 9,949
AON Corp COM G0403H108   409,991 1,366 SH   SOLE   0 0 1,366
Apple, Inc COM 037833100   9,209,507 70,881 SH   SOLE   0 0 70,881
Applied Finance Valuation Lg Cap ETF ETF 26923N405   8,134,123 344,812 SH   SOLE   0 0 344,812
Applied Materials COM 038222105   313,271 3,217 SH   SOLE   0 0 3,217
Aptose Biosciences COM 03835T200   10,971 18,915 SH   SOLE   0 0 18,915
Ashford Hospitality Trust Inc COM 044103869   73,004 16,332 SH   SOLE   0 0 16,332
Automatic Data Processing COM 053015103   1,168,981 4,894 SH   SOLE   0 0 4,894
Bank Of America COM 060505104   1,845,186 55,712 SH   SOLE   0 0 55,712
Beauty Health Company CL A ORD COM 88331L108   283,410 31,144 SH   SOLE   0 0 31,144
Becton Dickinson COM 075887109   246,162 968 SH   SOLE   0 0 968
Berkshire Hathaway B COM 084670702   1,989,007 6,439 SH   SOLE   0 0 6,439
Blackstone Group Lp COM 09260D107   663,402 8,942 SH   SOLE   0 0 8,942
Bristol Myers Squibb COM 110122108   1,531,695 21,288 SH   SOLE   0 0 21,288
Broadcom Limited COM 11135F101   1,830,538 3,274 SH   SOLE   0 0 3,274
Chase Corp COM 16150R104   306,223 3,550 SH   SOLE   0 0 3,550
ChevronTexaco Corp COM 166764100   2,693,200 15,005 SH   SOLE   0 0 15,005
Cigna COM 125523100   293,899 887 SH   SOLE   0 0 887
Cisco Systems COM 17275R102   1,802,397 37,834 SH   SOLE   0 0 37,834
Citizens Financial Group COM 174610105   531,385 13,497 SH   SOLE   0 0 13,497
Clearside Biomedical Inc COM 185063104   30,266 27,023 SH   SOLE   0 0 27,023
Coca Cola COM 191216100   725,216 11,401 SH   SOLE   0 0 11,401
Commercial Metals Co COM 201723103   795,769 16,476 SH   SOLE   0 0 16,476
Conoco Phillips COM 20825C104   401,790 3,405 SH   SOLE   0 0 3,405
Constellation Brands COM 21036P108   493,021 2,127 SH   SOLE   0 0 2,127
Corteva Inc COM 22052L104   258,456 4,397 SH   SOLE   0 0 4,397
Costco Whsl Corp COM 22160K105   260,880 571 SH   SOLE   0 0 571
CVS Health Corporation COM 126650100   2,366,196 25,391 SH   SOLE   0 0 25,391
Danaher Corp COM 235851102   1,679,843 6,329 SH   SOLE   0 0 6,329
DFA Emerging Mkt Core Equity ETF ETF 25434V302   3,903,912 177,855 SH   SOLE   0 0 177,855
Diageo Plc ADR 25243Q205   294,192 1,651 SH   SOLE   0 0 1,651
Disney Walt Co COM 254687106   1,162,776 13,384 SH   SOLE   0 0 13,384
Document Security Systems Inc COM 26253C102   2,644 16,123 SH   SOLE   0 0 16,123
Dominion Res Inc Va COM 25746U109   389,455 6,351 SH   SOLE   0 0 6,351
Dow Chemical COM 260557103   259,488 5,150 SH   SOLE   0 0 5,150
Du Pont E I De Nemours COM 26614N102   345,758 5,038 SH   SOLE   0 0 5,038
Duke Energy COM 26441C204   301,864 2,931 SH   SOLE   0 0 2,931
Emerson Electric COM 291011104   1,214,102 12,639 SH   SOLE   0 0 12,639
ETFS Phys. Swiss Gold Shares ETF 00326A104   9,382,159 537,044 SH   SOLE   0 0 537,044
Eversource Energy COM 30040W108   216,605 2,584 SH   SOLE   0 0 2,584
Exxon-Mobil COM 30231G102   2,079,382 18,852 SH   SOLE   0 0 18,852
First Trust Preferred Sec & Inc ETF ETF 33739E108   4,007,333 238,532 SH   SOLE   0 0 238,532
First Trust Senior Loan ETF ETF 33738D309   484,528 10,866 SH   SOLE   0 0 10,866
First Trust TCWOpportunistic Fxd Inc ETF ETF 33740F805   1,758,469 40,038 SH   SOLE   0 0 40,038
First Trust Value Line Div Idx ETF 33734H106   208,335 5,220 SH   SOLE   0 0 5,220
Fiserv Inc. COM 337738108   1,220,622 12,077 SH   SOLE   0 0 12,077
General Electric COM 369604301   332,646 3,970 SH   SOLE   0 0 3,970
Global Payments, Inc. COM 37940X102   706,882 7,117 SH   SOLE   0 0 7,117
Goldman Sachs ActiveBeta Intl Eq ETF ETF 381430107   3,352,188 116,476 SH   SOLE   0 0 116,476
Goldman Sachs Group COM 38141G104   369,622 1,076 SH   SOLE   0 0 1,076
HACK- PureFunds ISE Cyber Security ETF ETF 26924G201   223,565 5,075 SH   SOLE   0 0 5,075
Hewlett Packard COM 40434L105   234,051 8,711 SH   SOLE   0 0 8,711
Home Depot COM 437076102   1,341,031 4,246 SH   SOLE   0 0 4,246
Horizon Kinetics Infl. Bene. ETF ETF 53656F623   203,061 6,450 SH   SOLE   0 0 6,450
Illinois Tool Works COM 452308109   832,293 3,778 SH   SOLE   0 0 3,778
Independent Bank Corp Ma COM 453836108   382,890 4,535 SH   SOLE   0 0 4,535
Intel Corp COM 458140100   532,715 20,156 SH   SOLE   0 0 20,156
International Business Machines COM 459200101   1,470,507 10,437 SH   SOLE   0 0 10,437
Intuit Inc. COM 461202103   233,532 600 SH   SOLE   0 0 600
Invesco Biotech & Genomics ETF ETF 46137V787   838,224 13,201 SH   SOLE   0 0 13,201
Invesco S&P 500 Low Volatility ETF ETF 46138E354   282,972 4,428 SH   SOLE   0 0 4,428
iShare Core MSCI Emerging Markets ETF 46434G103   3,281,682 70,272 SH   SOLE   0 0 70,272
iShares Floating Rate Bond ETF ETF 46429B655   331,130 6,579 SH   SOLE   0 0 6,579
iShares iBonds Dec 2023 Corp Bd ETF ETF 46434VAX8   2,847,069 113,746 SH   SOLE   0 0 113,746
iShares iBonds Dec 2023 ETF ETF 46436E882   348,966 14,128 SH   SOLE   0 0 14,128
iShares iBonds Dec 2023 Muni Bd ETF ETF 46435G318   3,161,113 124,699 SH   SOLE   0 0 124,699
iShares iBonds Dec 2024 Corp Bd ETF ETF 46434VBG4   2,896,595 118,616 SH   SOLE   0 0 118,616
iShares iBonds Dec 2024 ETF ETF 46436E874   343,112 14,386 SH   SOLE   0 0 14,386
iShares iBonds Dec 2024 Muni Bd ETF ETF 46435U697   4,028,005 156,427 SH   SOLE   0 0 156,427
iShares iBonds Dec 2025 Corp Bd ETF ETF 46434VBD1   1,129,875 46,459 SH   SOLE   0 0 46,459
iShares iBonds Dec 2025 Muni Bd ETF ETF 46435U432   3,602,740 136,623 SH   SOLE   0 0 136,623
iShares iBonds Dec 2026 Corp Bd ETF ETF 46435GAA0   281,111 12,039 SH   SOLE   0 0 12,039
iShares iBonds Dec 2026 Muni Bd ETF ETF 46435U259   2,491,016 98,811 SH   SOLE   0 0 98,811
iShares iBonds Dec 2027 Muni Bd ETF ETF 46435U283   596,961 23,807 SH   SOLE   0 0 23,807
iShares iBonds Dec 2028 Muni Bd ETF ETF 46435U325   201,889 8,045 SH   SOLE   0 0 8,045
iShares MSCI USA Momentum ETF 46432F396   239,154 1,639 SH   SOLE   0 0 1,639
iShares Russell 2000 Index Fund ETF ETF 464287655   222,309 1,275 SH   SOLE   0 0 1,275
iShares S&P 500 Barra Gr. Fd. ETF 464287309   409,266 6,996 SH   SOLE   0 0 6,996
iShares S&P Midcap 400 Index ETF ETF 464287507   3,112,686 12,868 SH   SOLE   0 0 12,868
iShares S&P Smallcap 600 Index ETF ETF 464287804   2,921,329 30,868 SH   SOLE   0 0 30,868
J P Morgan Chase & Co ETF 46625H100   3,323,187 24,781 SH   SOLE   0 0 24,781
JH/DFA Small Cap Multifactor ETF ETF 47804J842   1,297,643 42,420 SH   SOLE   0 0 42,420
Johnson & Johnson COM 478160104   5,178,743 29,316 SH   SOLE   0 0 29,316
Kinder Morgan Inc COM 49456B101   241,344 13,349 SH   SOLE   0 0 13,349
KLA Tencor Corp COM 482480100   538,631 1,429 SH   SOLE   0 0 1,429
Kulicke & Soffa Inds COM 501242101   344,389 7,781 SH   SOLE   0 0 7,781
L3Harris Technologies Inc COM 502431109   1,889,298 9,074 SH   SOLE   0 0 9,074
Lilly Eli & Co COM 532457108   507,054 1,386 SH   SOLE   0 0 1,386
Lockheed Martin Corp COM 539830109   729,244 1,499 SH   SOLE   0 0 1,499
Lowes Companies COM 548661107   2,690,027 13,501 SH   SOLE   0 0 13,501
Mastercard Inc COM 57636Q104   878,718 2,527 SH   SOLE   0 0 2,527
McDonalds Corp COM 580135101   1,583,079 6,007 SH   SOLE   0 0 6,007
Medicenna Therapeutics Corp COM 58490H107   5,915 12,915 SH   SOLE   0 0 12,915
Medtronic plc ADR G5960L103   1,818,104 23,393 SH   SOLE   0 0 23,393
Merck & Co Inc COM 58933Y105   5,952,678 53,652 SH   SOLE   0 0 53,652
Meta Platforms Cl A COM 30303M102   467,401 3,884 SH   SOLE   0 0 3,884
Microsoft Corp COM 594918104   7,595,065 31,670 SH   SOLE   0 0 31,670
MIRION TECHNOLOG COM 60471A119   11,226 10,023 SH   SOLE   0 0 10,023
MLCO COM 585464100   142,715 12,410 SH   SOLE   0 0 12,410
Mondelez Intl Inc Cl A COM 609207105   896,842 13,456 SH   SOLE   0 0 13,456
MPLX LP COM 55336V100   272,572 8,300 SH   SOLE   0 0 8,300
NextEra Energy Inc. COM 65339F101   1,017,032 12,165 SH   SOLE   0 0 12,165
Nike Inc Class B COM 654106103   848,436 7,251 SH   SOLE   0 0 7,251
Norfolk Southern Corp COM 655844108   209,457 850 SH   SOLE   0 0 850
Northrop Grumman Corp COM 666807102   305,542 560 SH   SOLE   0 0 560
Novartis A G COM 66987V109   335,573 3,699 SH   SOLE   0 0 3,699
Nuveen Inter Dur Qlty Muni ETF 670677103   306,593 24,547 SH   SOLE   0 0 24,547
Nvidia Corp COM 67066G104   1,169,344 8,002 SH   SOLE   0 0 8,002
Oncolytics Biotech COM 682310875   30,831 18,915 SH   SOLE   0 0 18,915
Oracle Systems COM 68389X105   556,731 6,811 SH   SOLE   0 0 6,811
Oragenics Inc COM 684023302   1,100 10,468 SH   SOLE   0 0 10,468
Ovid Therapeutics Inc COM 690469101   28,871 15,522 SH   SOLE   0 0 15,522
Palo Alto Networks Inc COM 697435105   979,013 7,016 SH   SOLE   0 0 7,016
Paychex Inc COM 704326107   259,548 2,246 SH   SOLE   0 0 2,246
Paypal Holdings, Inc. COM 70450Y103   345,773 4,855 SH   SOLE   0 0 4,855
Pepsico COM 713448108   3,140,813 17,385 SH   SOLE   0 0 17,385
Pfizer Inc COM 717081103   1,681,879 32,824 SH   SOLE   0 0 32,824
Philip Morris Intl Inc COM 718172109   385,408 3,808 SH   SOLE   0 0 3,808
PPG Inds Inc COM 693506107   242,552 1,929 SH   SOLE   0 0 1,929
Procter & Gamble Inc COM 742718109   3,203,580 21,137 SH   SOLE   0 0 21,137
Proshares S&P 500 Div Aristocrats ETF 74348A467   7,133,756 79,273 SH   SOLE   0 0 79,273
Public Svc Enterprise COM 744573106   477,338 7,791 SH   SOLE   0 0 7,791
Qualcomm Corp COM 747525103   778,134 7,078 SH   SOLE   0 0 7,078
Quanta Services Inc COM 74762E102   1,999,240 14,030 SH   SOLE   0 0 14,030
Raytheon Technologies Co COM 75513E101   1,711,070 16,955 SH   SOLE   0 0 16,955
Real Estate Sector SPDR ETF 81369Y860   2,911,462 78,837 SH   SOLE   0 0 78,837
Regeneron Pharm COM 75886F107   445,881 618 SH   SOLE   0 0 618
Roper Technologies, Inc COM 776696106   762,639 1,765 SH   SOLE   0 0 1,765
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107   345,819 781 SH   SOLE   0 0 781
Sch Fundamental US Large Co ETF ETF 808524771   362,796 6,789 SH   SOLE   0 0 6,789
Schwab Dow Jones US Broad Mkt ETF ETF 808524102   675,527 15,075 SH   SOLE   0 0 15,075
Schwab Dow Jones US Div Eq ETF ETF 808524797   17,611,572 233,142 SH   SOLE   0 0 233,142
Schwab Dow Jones US Large Cap ETF ETF 808524201   16,780,695 371,665 SH   SOLE   0 0 371,665
Schwab Dow Jones US Large Growth ETF ETF 808524300   5,622,232 101,192 SH   SOLE   0 0 101,192
Schwab Dow Jones US Large Value ETF ETF 808524409   7,463,221 113,045 SH   SOLE   0 0 113,045
Schwab Dow Jones US Mid-Cap ETF ETF 808524508   5,725,518 87,266 SH   SOLE   0 0 87,266
Schwab Dow Jones US Sm-Cap ETF ETF 808524607   4,269,473 105,393 SH   SOLE   0 0 105,393
Schwab FTSE Developed ex-US ETF ETF 808524805   4,256,879 132,160 SH   SOLE   0 0 132,160
Schwab US AGG Bnd ETF ETF 808524839   833,693 18,263 SH   SOLE   0 0 18,263
Schwab US TIPS ETF ETF 808524870   288,684 5,574 SH   SOLE   0 0 5,574
Sector Spdr Engy Select ETF 81369Y506   333,348 3,811 SH   SOLE   0 0 3,811
SoFi Technologies ORD COM 83406F102   77,646 16,843 SH   SOLE   0 0 16,843
SPDR Blmbrg Brcly 1-10 Yr TIP ETF 78468R861   1,255,627 68,056 SH   SOLE   0 0 68,056
SPDR Doubleline Ttl Rtrn ETF 78467V848   369,973 9,240 SH   SOLE   0 0 9,240
SPDR Gold Shares ETF 78463V107   2,811,953 16,576 SH   SOLE   0 0 16,576
SPDR MSCI Acwi Ex-US ETF 78463X848   839,463 34,890 SH   SOLE   0 0 34,890
SPDR S&P 500 ETF ETF 78462F103   1,858,369 4,859 SH   SOLE   0 0 4,859
SPDR S&P Biotech ETF ETF 78464A870   1,124,410 13,547 SH   SOLE   0 0 13,547
SPDR S&P Dividend ETF ETF 78464A763   3,640,860 29,101 SH   SOLE   0 0 29,101
SPDR Technology Select Sector ETF 81369Y803   683,164 5,490 SH   SOLE   0 0 5,490
State Street Boston Corp COM 857477103   465,420 6,000 SH   SOLE   0 0 6,000
Sundial Growers Inc COM 83307B101   71,938 34,420 SH   SOLE   0 0 34,420
Sysco Inc COM 871829107   249,762 3,267 SH   SOLE   0 0 3,267
Target Corp COM 87612E106   273,468 1,835 SH   SOLE   0 0 1,835
TCR2 Therapeutics Inc COM 87808K106   12,507 12,522 SH   SOLE   0 0 12,522
Thermo Fisher Scientific COM 883556102   1,456,575 2,645 SH   SOLE   0 0 2,645
TJX Cos Inc COM 872540109   522,096 6,559 SH   SOLE   0 0 6,559
Truist Finl Corp COM 89832Q109   1,464,847 34,042 SH   SOLE   0 0 34,042
Tyson Foods Inc COM 902494103   501,450 8,055 SH   SOLE   0 0 8,055
Unilever Plc Adr New ADR 904767704   226,575 4,500 SH   SOLE   0 0 4,500
Union Pacific Corp COM 907818108   1,948,441 9,410 SH   SOLE   0 0 9,410
UPS Inc COM 911312106   553,641 3,185 SH   SOLE   0 0 3,185
Valero Energy Corp. COM 91913Y100   214,336 1,690 SH   SOLE   0 0 1,690
Vanguard Consumer Staples ETF ETF 92204A207   712,832 3,721 SH   SOLE   0 0 3,721
Vanguard Div Appreciation ETF ETF 921908844   875,056 5,763 SH   SOLE   0 0 5,763
Vanguard Emerging Mkt Fd ETF ETF 922042858   240,776 6,177 SH   SOLE   0 0 6,177
Vanguard FTSE All-World ex-USA ETF ETF 922042775   2,673,245 53,316 SH   SOLE   0 0 53,316
Vanguard Growth ETF ETF 922908736   1,378,006 6,466 SH   SOLE   0 0 6,466
Vanguard Mid Cap Value ETF ETF 922908512   344,390 2,547 SH   SOLE   0 0 2,547
Vanguard Mid-Cap ETF ETF 922908629   1,274,636 6,254 SH   SOLE   0 0 6,254
Vanguard REIT ETF 922908553   2,415,149 29,282 SH   SOLE   0 0 29,282
Vanguard S&P 500 ETF ETF 922908363   3,794,960 10,801 SH   SOLE   0 0 10,801
Vanguard Short-Term Bond ETF ETF 921937827   224,746 2,985 SH   SOLE   0 0 2,985
Vanguard Sht-Term Infl Prot Sec ETF ETF 922020805   407,267 8,719 SH   SOLE   0 0 8,719
Vanguard Small Cap ETF ETF 922908751   247,039 1,346 SH   SOLE   0 0 1,346
Vanguard Small-Cap Value ETF ETF 922908611   1,288,014 8,111 SH   SOLE   0 0 8,111
Vanguard Tax-Exempt Bond ETF ETF 922907746   1,096,666 22,159 SH   SOLE   0 0 22,159
Vanguard Value ETF ETF 922908744   1,721,879 12,267 SH   SOLE   0 0 12,267
Verizon Communications COM 92343V104   1,675,137 42,516 SH   SOLE   0 0 42,516
Vertex Pharmaceuticals COM 92532F100   260,768 903 SH   SOLE   0 0 903
Visa, Inc. COM 92826C839   1,198,567 5,769 SH   SOLE   0 0 5,769
Wal-Mart Stores COM 931142103   616,645 4,349 SH   SOLE   0 0 4,349
Wells Fargo & Co 7.50 Pfd PFD 949746804   316,796 267 SH   SOLE   0 0 267
Western Asset Muni Hi Income ETF 95766N103   306,093 47,977 SH   SOLE   0 0 47,977