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
EATON CORP PLC SHS G29183103 6,115 78,708 SH   SOLE 0 0 0 78,708
MEDTRONIC PLC SHS G5960L103 1,335 14,807 SH   SOLE 0 0 0 14,807
SEAGATE TECHNOLOGY PLC SHS G7945M107 288 5,907 SH   SOLE 0 0 0 5,907
CHUBB LIMITED COM H1467J104 452 4,047 SH   SOLE 0 0 0 4,047
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 649 13,080 SH   SOLE 0 0 0 13,080
AMN HEALTHCARE SVCS INC COM 001744101 297 5,130 SH   SOLE 0 0 0 5,130
AT&T INC COM 00206R102 1,117 38,315 SH   SOLE 0 0 0 38,315
ABBOTT LABS COM 002824100 384 4,872 SH   SOLE 0 0 0 4,872
ABBVIE INC COM 00287Y109 10,741 140,975 SH   SOLE 0 0 0 140,975
ACTIVISION BLIZZARD INC COM 00507V109 214 3,600 SH   SOLE 0 0 0 3,600
ADOBE INC COM 00724F101 574 1,805 SH   SOLE 0 0 0 1,805
ALAMO GROUP INC COM 011311107 315 3,550 SH   SOLE 0 0 0 3,550
ALLSTATE CORP COM 020002101 277 3,022 SH   SOLE 0 0 0 3,022
ALPHABET INC CAP STK CL C 02079K107 552 475 SH   SOLE 0 0 0 475
ALPHABET INC CAP STK CL A 02079K305 4,935 4,247 SH   SOLE 0 0 0 4,247
ALTRIA GROUP INC COM 02209S103 9,888 255,699 SH   SOLE 0 0 0 255,699
AMAZON COM INC COM 023135106 7,649 3,923 SH   SOLE 0 0 0 3,923
AMER STATES WTR CO COM 029899101 1,751 21,420 SH   SOLE 0 0 0 21,420
AMERICAN WTR WKS CO INC NEW COM 030420103 1,051 8,791 SH   SOLE 0 0 0 8,791
AMERISOURCEBERGEN CORP COM 03073E105 8,421 95,158 SH   SOLE 0 0 0 95,158
AMERIPRISE FINL INC COM 03076C106 345 3,368 SH   SOLE 0 0 0 3,368
AMGEN INC COM 031162100 4,773 23,546 SH   SOLE 0 0 0 23,546
APHRIA INC COM 03765K104 142 46,638 SH   SOLE 0 0 0 46,638
APPLE INC COM 037833100 24,319 95,636 SH   SOLE 0 0 0 95,636
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101 323 10,450 SH   SOLE 0 0 0 10,450
BCB BANCORP INC COM 055298103 117 10,961 SH   SOLE 0 0 0 10,961
BK OF AMERICA CORP COM 060505104 1,095 51,572 SH   SOLE 0 0 0 51,572
BANK NEW YORK MELLON CORP COM 064058100 496 14,736 SH   SOLE 0 0 0 14,736
BERKSHIRE HATHAWAY INC DEL CL A 084670108 272 1 SH   SOLE 0 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,698 25,695 SH   SOLE 0 0 0 25,695
BIOGEN INC COM 09062X103 237 749 SH   SOLE 0 0 0 749
BIOTELEMETRY INC COM 090672106 242 6,279 SH   SOLE 0 0 0 6,279
BOEING CO COM 097023105 530 3,552 SH   SOLE 0 0 0 3,552
BRISTOL-MYERS SQUIBB CO COM 110122108 655 11,752 SH   SOLE 0 0 0 11,752
BROADCOM INC COM 11135F101 570 2,403 SH   SOLE 0 0 0 2,403
CIGNA CORP NEW COM 125523100 403 2,276 SH   SOLE 0 0 0 2,276
CME GROUP INC COM 12572Q105 350 2,025 SH   SOLE 0 0 0 2,025
CVS HEALTH CORP COM 126650100 674 11,359 SH   SOLE 0 0 0 11,359
CHEGG INC COM 163092109 1,861 52,000 SH   SOLE 0 0 0 52,000
CHENIERE ENERGY PARTNERS LP COM UNIT 16411Q101 547 20,268 SH   SOLE 0 0 0 20,268
CHEVRON CORP NEW COM 166764100 1,898 26,197 SH   SOLE 0 0 0 26,197
CIENA CORP COM NEW 171779309 4,212 105,804 SH   SOLE 0 0 0 105,804
CISCO SYS INC COM 17275R102 15,951 405,779 SH   SOLE 0 0 0 405,779
CITIGROUP INC COM NEW 172967424 434 10,311 SH   SOLE 0 0 0 10,311
CITIZENS FINANCIAL GROUP INC COM 174610105 296 15,750 SH   SOLE 0 0 0 15,750
CLOROX CO DEL COM 189054109 2,976 17,179 SH   SOLE 0 0 0 17,179
CLOUDFLARE INC CL A COM 18915M107 428 18,235 SH   SOLE 0 0 0 18,235
COCA COLA CO COM 191216100 11,852 267,833 SH   SOLE 0 0 0 267,833
COGNIZANT TECHNOLOGY SOLUTIO CL A 192446102 5,943 127,898 SH   SOLE 0 0 0 127,898
COLGATE PALMOLIVE CO COM 194162103 11,003 165,801 SH   SOLE 0 0 0 165,801
COMCAST CORP NEW CL A 20030N101 614 17,849 SH   SOLE 0 0 0 17,849
CONSTELLATION BRANDS INC CL A 21036P108 1,294 9,029 SH   SOLE 0 0 0 9,029
COSTCO WHSL CORP NEW COM 22160K105 3,264 11,446 SH   SOLE 0 0 0 11,446
DANAHER CORPORATION COM 235851102 1,675 12,102 SH   SOLE 0 0 0 12,102
DECKERS OUTDOOR CORP COM 243537107 3,467 25,874 SH   SOLE 0 0 0 25,874
DIGITAL RLTY TR INC COM 253868103 319 2,296 SH   SOLE 0 0 0 2,296
DISNEY WALT CO COM DISNEY 254687106 1,432 14,821 SH   SOLE 0 0 0 14,821
DOMINION ENERGY INC COM 25746U109 6,086 84,300 SH   SOLE 0 0 0 84,300
DOUBLELINE INCOME SOLUTIONS COM 258622109 137 10,297 SH   SOLE 0 0 0 10,297
DOUBLELINE OPPORTUNISTIC CR COM 258623107 522 30,522 SH   SOLE 0 0 0 30,522
EMX RTY CORP COM 26873J107 32 23,500 SH   SOLE 0 0 0 23,500
ECOLAB INC COM 278865100 262 1,684 SH   SOLE 0 0 0 1,684
ENERGY TRANSFER LP COM UT LTD PTN 29273V100 79 17,111 SH   SOLE 0 0 0 17,111
ENVESTNET INC COM 29404K106 308 5,732 SH   SOLE 0 0 0 5,732
EPLUS INC COM 294268107 449 7,165 SH   SOLE 0 0 0 7,165
ESSEX PPTY TR INC COM 297178105 342 1,555 SH   SOLE 0 0 0 1,555
EXELON CORP COM 30161N101 4,723 128,300 SH   SOLE 0 0 0 128,300
EXXON MOBIL CORP COM 30231G102 5,792 152,550 SH   SOLE 0 0 0 152,550
FS KKR CAPITAL CORP COM 302635107 106 35,461 SH   SOLE 0 0 0 35,461
FACEBOOK INC CL A 30303M102 5,873 35,212 SH   SOLE 0 0 0 35,212
FIDELITY NATL INFORMATION SV COM 31620M106 338 2,780 SH   SOLE 0 0 0 2,780
FIFTH THIRD BANCORP COM 316773100 212 14,300 SH   SOLE 0 0 0 14,300
FIRST TR VALUE LINE DIVID IN SHS 33734H106 282 10,201 SH   SOLE 0 0 0 10,201
FISERV INC COM 337738108 6,072 63,922 SH   SOLE 0 0 0 63,922
FIVE BELOW INC COM 33829M101 668 9,494 SH   SOLE 0 0 0 9,494
FORTUNA SILVER MINES INC COM 349915108 31 13,220 SH   SOLE 0 0 0 13,220
GW PHARMACEUTICALS PLC ADS 36197T103 587 6,700 SH   SOLE 0 0 0 6,700
GENERAL ELECTRIC CO COM 369604103 397 50,053 SH   SOLE 0 0 0 50,053
GILEAD SCIENCES INC COM 375558103 9,652 129,108 SH   SOLE 0 0 0 129,108
HCA HEALTHCARE INC COM 40412C101 257 2,861 SH   SOLE 0 0 0 2,861
HEWLETT PACKARD ENTERPRISE C COM 42824C109 310 31,976 SH   SOLE 0 0 0 31,976
HOME DEPOT INC COM 437076102 720 3,855 SH   SOLE 0 0 0 3,855
HONEYWELL INTL INC COM 438516106 303 2,265 SH   SOLE 0 0 0 2,265
INDEPENDENT BANK CORP MICH COM NEW 453838609 275 21,330 SH   SOLE 0 0 0 21,330
INDIA FD INC COM 454089103 247 18,100 SH   SOLE 0 0 0 18,100
INNOVATIVE INDL PPTYS INC COM 45781V101 531 6,993 SH   SOLE 0 0 0 6,993
INTEL CORP COM 458140100 1,939 35,831 SH   SOLE 0 0 0 35,831
INTERCONTINENTAL EXCHANGE IN COM 45866F104 2,046 25,341 SH   SOLE 0 0 0 25,341
INTERNATIONAL BUSINESS MACHS COM 459200101 8,265 74,504 SH   SOLE 0 0 0 74,504
INVESCO QQQ TR UNIT SER 1 46090E103 3,571 18,754 SH   SOLE 0 0 0 18,754
INVESCO SR INCOME TR COM 46131H107 32 10,000 SH   SOLE 0 0 0 10,000
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 562 6,082 SH   SOLE 0 0 0 6,082
ISHARES SILVER TRUST ISHARES 46428Q109 181 13,840 SH   SOLE 0 0 0 13,840
ISHARES GOLD TRUST ISHARES 464285105 3,668 243,384 SH   SOLE 0 0 0 243,384
ISHARES INC MIN VOL GBL ETF 464286525 582 7,244 SH   SOLE 0 0 0 7,244
ISHARES INC MSCI PAC JP ETF 464286665 1,185 34,948 SH   SOLE 0 0 0 34,948
ISHARES TR CORE S&P TTL STK 464287150 929 16,246 SH   SOLE 0 0 0 16,246
ISHARES TR SELECT DIVID ETF 464287168 391 5,323 SH   SOLE 0 0 0 5,323
ISHARES TR CORE S&P500 ETF 464287200 13,279 51,389 SH   SOLE 0 0 0 51,389
ISHARES TR CORE US AGGBD ET 464287226 1,787 15,491 SH   SOLE 0 0 0 15,491
ISHARES TR GLOBAL TECH ETF 464287291 896 4,915 SH   SOLE 0 0 0 4,915
ISHARES TR S&P 500 GRWT ETF 464287309 426 2,579 SH   SOLE 0 0 0 2,579
ISHARES TR 20 YR TR BD ETF 464287432 1,739 10,541 SH   SOLE 0 0 0 10,541
ISHARES TR 1 3 YR TREAS BD 464287457 4,721 54,467 SH   SOLE 0 0 0 54,467
ISHARES TR MSCI EAFE ETF 464287465 296 5,534 SH   SOLE 0 0 0 5,534
ISHARES TR RUS 1000 VAL ETF 464287598 519 5,237 SH   SOLE 0 0 0 5,237
ISHARES TR RUS 1000 GRW ETF 464287614 711 4,719 SH   SOLE 0 0 0 4,719
ISHARES TR RUSSELL 2000 ETF 464287655 2,433 21,259 SH   SOLE 0 0 0 21,259
ISHARES TR JPMORGAN USD EMG 464288281 517 5,350 SH   SOLE 0 0 0 5,350
ISHARES TR INTL SEL DIV ETF 464288448 322 14,264 SH   SOLE 0 0 0 14,264
ISHARES TR MSCI KLD400 SOC 464288570 691 7,092 SH   SOLE 0 0 0 7,092
ISHARES TR MBS ETF 464288588 1,585 14,356 SH   SOLE 0 0 0 14,356
ISHARES TR INTRM TR CRP ETF 464288638 2,492 45,383 SH   SOLE 0 0 0 45,383
ISHARES TR PFD AND INCM SEC 464288687 369 11,598 SH   SOLE 0 0 0 11,598
ISHARES TR MSCI USA ESG SLC 464288802 203 1,851 SH   SOLE 0 0 0 1,851
ISHARES TR GRWT ALLOCAT ETF 464289867 266 6,439 SH   SOLE 0 0 0 6,439
ISHARES TR US TREAS BD ETF 46429B267 12,475 445,365 SH   SOLE 0 0 0 445,365
ISHARES TR FLTG RATE NT ETF 46429B655 237 4,865 SH   SOLE 0 0 0 4,865
ISHARES TR CORE HIGH DV ETF 46429B663 340 4,754 SH   SOLE 0 0 0 4,754
ISHARES TR MIN VOL EAFE ETF 46429B689 224 3,609 SH   SOLE 0 0 0 3,609
ISHARES TR MSCI MIN VOL ETF 46429B697 1,256 23,255 SH   SOLE 0 0 0 23,255
ISHARES TR USA QUALITY FCTR 46432F339 7,146 88,184 SH   SOLE 0 0 0 88,184
ISHARES TR USA SIZE FACTOR 46432F370 362 5,074 SH   SOLE 0 0 0 5,074
ISHARES TR USA MOMENTUM FCT 46432F396 1,287 12,086 SH   SOLE 0 0 0 12,086
ISHARES TR CORE MSCI EAFE 46432F842 2,237 44,846 SH   SOLE 0 0 0 44,846
ISHARES INC CORE MSCI EMKT 46434G103 4,873 120,399 SH   SOLE 0 0 0 120,399
ISHARES INC MSCI JPN ETF NEW 46434G822 2,119 42,913 SH   SOLE 0 0 0 42,913
ISHARES INC ESG MSCI EM ETF 46434G863 956 34,929 SH   SOLE 0 0 0 34,929
ISHARES TR MSCI LW CRB TG 46434V464 421 4,115 SH   SOLE 0 0 0 4,115
ISHARES TR ESG USD CORPT 46435G193 348 13,540 SH   SOLE 0 0 0 13,540
ISHARES TR ESG 1 5 YR USD 46435G243 221 8,875 SH   SOLE 0 0 0 8,875
ISHARES TR ESG MSCI USA ETF 46435G425 4,750 82,622 SH   SOLE 0 0 0 82,622
ISHARES TR ESG MSCI EAFE 46435G516 283 5,330 SH   SOLE 0 0 0 5,330
ISHARES TR ESG US AGR BD 46435U549 1,217 21,955 SH   SOLE 0 0 0 21,955
J & J SNACK FOODS CORP COM 466032109 388 3,204 SH   SOLE 0 0 0 3,204
JPMORGAN CHASE & CO COM 46625H100 1,181 13,123 SH   SOLE 0 0 0 13,123
JOHNSON & JOHNSON COM 478160104 19,803 151,015 SH   SOLE 0 0 0 151,015
KIMBERLY CLARK CORP COM 494368103 384 3,003 SH   SOLE 0 0 0 3,003
KIRKLAND LAKE GOLD LTD COM 49741E100 336 11,340 SH   SOLE 0 0 0 11,340
L3HARRIS TECHNOLOGIES INC COM 502431109 234 1,297 SH   SOLE 0 0 0 1,297
LAM RESEARCH CORP COM 512807108 1,688 7,033 SH   SOLE 0 0 0 7,033
LEXINGTON REALTY TRUST COM 529043101 242 24,400 SH   SOLE 0 0 0 24,400
LIVE NATION ENTERTAINMENT IN COM 538034109 310 6,814 SH   SOLE 0 0 0 6,814
LOCKHEED MARTIN CORP COM 539830109 509 1,502 SH   SOLE 0 0 0 1,502
LUMENTUM HLDGS INC COM 55024U109 355 4,815 SH   SOLE 0 0 0 4,815
MASTERCARD INC CL A 57636Q104 246 1,017 SH   SOLE 0 0 0 1,017
MCDONALDS CORP COM 580135101 285 1,724 SH   SOLE 0 0 0 1,724
MCKESSON CORP COM 58155Q103 416 3,074 SH   SOLE 0 0 0 3,074
MEDICAL PPTYS TRUST INC COM 58463J304 1,532 88,582 SH   SOLE 0 0 0 88,582
MERCK & CO. INC COM 58933Y105 1,404 18,254 SH   SOLE 0 0 0 18,254
METALLA RTY & STREAMING LTD COM NEW 59124U605 64 15,075 SH   SOLE 0 0 0 15,075
METLIFE INC COM 59156R108 347 11,344 SH   SOLE 0 0 0 11,344
MICROSOFT CORP COM 594918104 14,351 90,998 SH   SOLE 0 0 0 90,998
MOLSON COORS BEVERAGE CO CL B 60871R209 284 7,283 SH   SOLE 0 0 0 7,283
NETFLIX INC COM 64110L106 1,676 4,464 SH   SOLE 0 0 0 4,464
NEWMONT CORP COM 651639106 301 6,650 SH   SOLE 0 0 0 6,650
NEXTERA ENERGY INC COM 65339F101 208 866 SH   SOLE 0 0 0 866
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 273 6,350 SH   SOLE 0 0 0 6,350
NIKE INC CL B 654106103 290 3,504 SH   SOLE 0 0 0 3,504
NORFOLK SOUTHERN CORP COM 655844108 624 4,272 SH   SOLE 0 0 0 4,272
NORTHERN TR CORP COM 665859104 7,432 98,495 SH   SOLE 0 0 0 98,495
NOVO-NORDISK A S ADR 670100205 2,321 38,550 SH   SOLE 0 0 0 38,550
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 368 25,990 SH   SOLE 0 0 0 25,990
NVIDIA CORP COM 67066G104 231 878 SH   SOLE 0 0 0 878
NUVEEN CA QUALTY MUN INCOME COM 67066Y105 765 55,872 SH   SOLE 0 0 0 55,872
NUVEEN CR STRATEGIES INCOME COM SHS 67073D102 100 17,600 SH   SOLE 0 0 0 17,600
NUVEEN TAXABLE MUNICIPAL INC COM 67074C103 304 15,866 SH   SOLE 0 0 0 15,866
NUVEEN REAL ASSET INCOME & G COM 67074Y105 188 19,042 SH   SOLE 0 0 0 19,042
OMNICOM GROUP INC COM 681919106 341 6,215 SH   SOLE 0 0 0 6,215
ORACLE CORP COM 68389X105 573 11,861 SH   SOLE 0 0 0 11,861
PPG INDS INC COM 693506107 353 4,225 SH   SOLE 0 0 0 4,225
PPL CORP COM 69351T106 223 9,045 SH   SOLE 0 0 0 9,045
PAYCHEX INC COM 704326107 349 5,554 SH   SOLE 0 0 0 5,554
PEPSICO INC COM 713448108 1,005 8,365 SH   SOLE 0 0 0 8,365
PERFICIENT INC COM 71375U101 280 10,324 SH   SOLE 0 0 0 10,324
PETMED EXPRESS INC COM 716382106 402 13,975 SH   SOLE 0 0 0 13,975
PFIZER INC COM 717081103 7,794 238,798 SH   SOLE 0 0 0 238,798
PIMCO INCOME STRATEGY FD COM 72201H108 93 11,000 SH   SOLE 0 0 0 11,000
PIMCO ETF TR 0-5 HIGH YIELD 72201R783 258 3,004 SH   SOLE 0 0 0 3,004
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 496 5,007 SH   SOLE 0 0 0 5,007
PRESTIGE CONSMR HEALTHCARE I COM 74112D101 249 6,789 SH   SOLE 0 0 0 6,789
PROCTER & GAMBLE CO COM 742718109 2,338 21,256 SH   SOLE 0 0 0 21,256
PROLOGIS INC. COM 74340W103 355 4,416 SH   SOLE 0 0 0 4,416
PROSHARES TR SHORT S&P 500 NE 74347B425 668 24,150 SH   SOLE 0 0 0 24,150
PROSPERITY BANCSHARES INC COM 743606105 217 4,500 SH   SOLE 0 0 0 4,500
QUALYS INC COM 74758T303 689 7,926 SH   SOLE 0 0 0 7,926
REALTY INCOME CORP COM 756109104 558 11,200 SH   SOLE 0 0 0 11,200
ROPER TECHNOLOGIES INC COM 776696106 1,347 4,320 SH   SOLE 0 0 0 4,320
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,829 10,977 SH   SOLE 0 0 0 10,977
SPDR GOLD TRUST GOLD SHS 78463V107 245 1,655 SH   SOLE 0 0 0 1,655
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 445 18,570 SH   SOLE 0 0 0 18,570
SPDR SER TR PRTFLO S&P500 VL 78464A508 221 8,565 SH   SOLE 0 0 0 8,565
SPDR SER TR PORTFOLI S&P1500 78464A805 262 8,346 SH   SOLE 0 0 0 8,346
SPDR SER TR PORTFOLIO SH TSR 78468R101 303 9,864 SH   SOLE 0 0 0 9,864
SPDR SER TR SPDR BLOOMBERG 78468R663 2,745 29,962 SH   SOLE 0 0 0 29,962
SPDR SER TR PORTFOLIO S&P600 78468R853 256 11,742 SH   SOLE 0 0 0 11,742
SP PLUS CORP COM 78469C103 331 15,975 SH   SOLE 0 0 0 15,975
SANDSTORM GOLD LTD COM NEW 80013R206 56 11,100 SH   SOLE 0 0 0 11,100
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 206 2,587 SH   SOLE 0 0 0 2,587
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 365 8,241 SH   SOLE 0 0 0 8,241
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 411 7,981 SH   SOLE 0 0 0 7,981
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 257 9,957 SH   SOLE 0 0 0 9,957
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 319 6,175 SH   SOLE 0 0 0 6,175
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 1,086 13,507 SH   SOLE 0 0 0 13,507
SHOPIFY INC CL A 82509L107 386 925 SH   SOLE 0 0 0 925
SOUTHERN CO COM 842587107 335 6,180 SH   SOLE 0 0 0 6,180
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101 760 52,000 SH   SOLE 0 0 0 52,000
SQUARE INC CL A 852234103 371 7,080 SH   SOLE 0 0 0 7,080
STANLEY BLACK & DECKER INC COM 854502101 257 2,571 SH   SOLE 0 0 0 2,571
STARBUCKS CORP COM 855244109 600 9,128 SH   SOLE 0 0 0 9,128
STATE STR CORP COM 857477103 514 9,652 SH   SOLE 0 0 0 9,652
STONECASTLE FINL CORP COM 861780104 357 21,990 SH   SOLE 0 0 0 21,990
TJX COS INC NEW COM 872540109 442 9,241 SH   SOLE 0 0 0 9,241
T MOBILE US INC COM 872590104 584 6,960 SH   SOLE 0 0 0 6,960
TARGET CORP COM 87612E106 237 2,554 SH   SOLE 0 0 0 2,554
TERADYNE INC COM 880770102 263 4,849 SH   SOLE 0 0 0 4,849
TESLA INC COM 88160R101 3,362 6,416 SH   SOLE 0 0 0 6,416
TEXAS INSTRS INC COM 882508104 275 2,751 SH   SOLE 0 0 0 2,751
THE TRADE DESK INC COM CL A 88339J105 261 1,350 SH   SOLE 0 0 0 1,350
THERMO FISHER SCIENTIFIC INC COM 883556102 374 1,320 SH   SOLE 0 0 0 1,320
3M CO COM 88579Y101 8,161 59,781 SH   SOLE 0 0 0 59,781
TRECORA RES COM 894648104 186 31,259 SH   SOLE 0 0 0 31,259
TRUSTCO BK CORP N Y COM 898349105 61 11,231 SH   SOLE 0 0 0 11,231
US BANCORP DEL COM NEW 902973304 512 14,859 SH   SOLE 0 0 0 14,859
UNION PAC CORP COM 907818108 589 4,174 SH   SOLE 0 0 0 4,174
UNITEDHEALTH GROUP INC COM 91324P102 1,319 5,290 SH   SOLE 0 0 0 5,290
UPLAND SOFTWARE INC COM 91544A109 206 7,699 SH   SOLE 0 0 0 7,699
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,017 19,512 SH   SOLE 0 0 0 19,512
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 313 4,431 SH   SOLE 0 0 0 4,431
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 233 4,777 SH   SOLE 0 0 0 4,777
VANGUARD WORLD FDS UTILITIES ETF 92204A876 399 3,270 SH   SOLE 0 0 0 3,270
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 7,321 169,155 SH   SOLE 0 0 0 169,155
VEEVA SYS INC CL A COM 922475108 1,183 7,566 SH   SOLE 0 0 0 7,566
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 749 3,163 SH   SOLE 0 0 0 3,163
VANGUARD INDEX FDS GROWTH ETF 922908736 396 2,529 SH   SOLE 0 0 0 2,529
VANGUARD INDEX FDS TOTAL STK MKT 922908769 564 4,376 SH   SOLE 0 0 0 4,376
VERIZON COMMUNICATIONS INC COM 92343V104 8,410 156,514 SH   SOLE 0 0 0 156,514
VISA INC COM CL A 92826C839 1,837 11,401 SH   SOLE 0 0 0 11,401
WP CAREY INC COM 92936U109 201 3,455 SH   SOLE 0 0 0 3,455
WALMART INC COM 931142103 1,059 9,318 SH   SOLE 0 0 0 9,318
WALGREENS BOOTS ALLIANCE INC COM 931427108 11,009 240,625 SH   SOLE 0 0 0 240,625
WASTE MGMT INC DEL COM 94106L109 6,191 66,887 SH   SOLE 0 0 0 66,887
WELLS FARGO CO NEW COM 949746101 437 15,215 SH   SOLE 0 0 0 15,215
WELLS FARGO CO NEW PERP PFD CNV A 949746804 2,376 1,865 SH   SOLE 0 0 0 1,865
YUM BRANDS INC COM 988498101 701 10,233 SH   SOLE 0 0 0 10,233
ZIX CORP COM 98974P100 211 48,911 SH   SOLE 0 0 0 48,911
ZOOM VIDEO COMMUNICATIONS IN CL A 98980L101 373 2,551 SH   SOLE 0 0 0 2,551