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
Expires: July 31, 2015
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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 349,621 2,297 SH SOLE 2,297 0 0
Abbott Labs COM 002824100 668,740 4,917 SH SOLE 4,917 0 0
AbbVie Inc COM 00287Y109 749,911 4,040 SH SOLE 4,040 0 0
Adaptimmune Therapeutics PLC COM 00653A107 6,701 27,957 SH SOLE 27,957 0 0
Adobe Systems COM 00724F101 811,674 2,098 SH SOLE 2,098 0 0
Alphabet, Inc. Cl A COM 02079K305 9,603,779 54,496 SH SOLE 54,496 0 0
Alphabet, Inc. Cl C COM 02079K107 2,432,741 13,714 SH SOLE 13,714 0 0
Altria Group Inc COM 02209S103 250,819 4,278 SH SOLE 4,278 0 0
Amazon.com COM 023135106 6,303,018 28,730 SH SOLE 28,730 0 0
American Tower Corp COM 03027X100 458,869 2,076 SH SOLE 2,076 0 0
Amgen Inc COM 031162100 2,248,975 8,055 SH SOLE 8,055 0 0
AON Corp COM G0403H108 371,387 1,041 SH SOLE 1,041 0 0
Apple, Inc COM 037833100 12,485,256 60,853 SH SOLE 60,853 0 0
Applied Finance Valuation Lg Cap ETF ETF 26923N405 26,960,364 688,643 SH SOLE 688,643 0 0
Applied Materials COM 038222105 900,948 4,921 SH SOLE 4,921 0 0
Automatic Data Processing COM 053015103 1,799,514 5,835 SH SOLE 5,835 0 0
Bank Of America COM 060505104 2,504,465 52,926 SH SOLE 52,926 0 0
Beauty Health Company CL A ORD COM 88331L108 174,085 91,144 SH SOLE 91,144 0 0
Berkshire Hathaway B COM 084670702 3,139,046 6,462 SH SOLE 6,462 0 0
BioRestorative Therapies Inc COM 090655606 19,191 11,522 SH SOLE 11,522 0 0
Blackstone Group Lp COM 09260D107 927,364 6,200 SH SOLE 6,200 0 0
Bristol Myers Squibb COM 110122108 833,585 18,008 SH SOLE 18,008 0 0
Broadcom Limited COM 11135F101 7,448,039 27,020 SH SOLE 27,020 0 0
Brookfield Corp. COM 11271J107 280,799 4,540 SH SOLE 4,540 0 0
Capital One Financial COM 14040H105 203,611 957 SH SOLE 957 0 0
Carrier Global Corp COM 14448C104 342,529 4,680 SH SOLE 4,680 0 0
ChevronTexaco Corp COM 166764100 2,147,607 14,998 SH SOLE 14,998 0 0
Cigna COM 125523100 283,968 859 SH SOLE 859 0 0
Cisco Systems COM 17275R102 2,207,742 31,821 SH SOLE 31,821 0 0
Citizens Financial Group COM 174610105 882,678 19,725 SH SOLE 19,725 0 0
Clearside Biomedical Inc COM 185063104 24,098 30,123 SH SOLE 30,123 0 0
Coca Cola COM 191216100 968,572 13,690 SH SOLE 13,690 0 0
Commercial Metals Co COM 201723103 652,708 13,345 SH SOLE 13,345 0 0
Conoco Phillips COM 20825C104 308,706 3,440 SH SOLE 3,440 0 0
Corteva Inc COM 22052L104 203,169 2,726 SH SOLE 2,726 0 0
Costco Whsl Corp COM 22160K105 587,138 593 SH SOLE 593 0 0
CVS Health Corporation COM 126650100 625,267 9,064 SH SOLE 9,064 0 0
Danaher Corp COM 235851102 749,502 3,794 SH SOLE 3,794 0 0
Dimensional Emerg Core Equity Mkt ETF ETF 25434V302 10,045,523 346,996 SH SOLE 346,996 0 0
Dimensional International Core Equity Mkt ETF ETF 25434V203 3,733,661 108,003 SH SOLE 108,003 0 0
Disney Walt Co COM 254687106 1,012,881 8,168 SH SOLE 8,168 0 0
Du Pont E I De Nemours COM 26614N102 231,423 3,374 SH SOLE 3,374 0 0
Duke Energy COM 26441C204 205,792 1,744 SH SOLE 1,744 0 0
Emerson Electric COM 291011104 1,457,964 10,935 SH SOLE 10,935 0 0
Energy Transfer Equity COM 29273V100 271,315 14,965 SH SOLE 14,965 0 0
ETFS Phys. Swiss Gold Shares ETF 00326A104 13,203,811 418,637 SH SOLE 418,637 0 0
Exxon-Mobil COM 30231G102 1,156,756 10,731 SH SOLE 10,731 0 0
First Trust Innovation Leaders ETF ETF 33740F565 321,389 10,919 SH SOLE 10,919 0 0
First Trust NASDAQ Cybersecurity ETF ETF 33734X846 388,349 5,138 SH SOLE 5,138 0 0
First Trust Preferred Sec & Inc ETF ETF 33739E108 6,806,913 382,411 SH SOLE 382,411 0 0
Fiserv Inc COM 337738108 2,121,333 12,304 SH SOLE 12,304 0 0
Ge Vernova Llc Com COM 36828A101 380,988 720 SH SOLE 720 0 0
General Electric COM 369604301 654,498 2,543 SH SOLE 2,543 0 0
Goldman Sachs ActiveBeta Intl Eq ETF ETF 381430107 6,995,899 176,397 SH SOLE 176,397 0 0
Goldman Sachs Group COM 38141G104 766,399 1,083 SH SOLE 1,083 0 0
HACK- Cyber Security ETF ETF 032108664 499,102 5,779 SH SOLE 5,779 0 0
Hewlett Packard COM 40434L105 594,241 24,294 SH SOLE 24,294 0 0
Home Depot COM 437076102 1,758,302 4,796 SH SOLE 4,796 0 0
Illinois Tool Works COM 452308109 759,799 3,073 SH SOLE 3,073 0 0
Incyte Genomics Inc COM 45337C102 331,307 4,865 SH SOLE 4,865 0 0
Intel Corp COM 458140100 256,099 11,433 SH SOLE 11,433 0 0
International Business Machines COM 459200101 2,830,201 9,601 SH SOLE 9,601 0 0
Intuit Inc. COM 461202103 512,017 650 SH SOLE 650 0 0
Invesco Biotech & Genomics ETF ETF 46137V787 671,255 10,472 SH SOLE 10,472 0 0
iShare Core MSCI Emerging Markets ETF 46434G103 974,060 16,226 SH SOLE 16,226 0 0
iShares - Expanded Tech. Sector Index ETF 464287549 202,212 1,800 SH SOLE 1,800 0 0
iShares Core S&P 500 ETF ETF 464287200 871,123 1,403 SH SOLE 1,403 0 0
iShares iBonds Dec 2025 Corp Bond ETF ETF 46434VBD1 447,408 17,768 SH SOLE 17,768 0 0
iShares iBonds Dec 2025 Muni Bond ETF ETF 46435U432 462,480 17,280 SH SOLE 17,280 0 0
iShares iBonds Dec 2026 Corp Bond ETF ETF 46435GAA0 499,089 20,581 SH SOLE 20,581 0 0
iShares iBonds Dec 2026 Muni Bond ETF ETF 46435U259 2,714,579 105,943 SH SOLE 105,943 0 0
iShares iBonds Dec 2027 Corp Bond ETF ETF 46435UAA9 395,526 16,297 SH SOLE 16,297 0 0
iShares iBonds Dec 2027 Muni Bond ETF ETF 46435U283 1,749,125 68,999 SH SOLE 68,999 0 0
iShares iBonds Dec 2028 Corp Bond ETF ETF 46435U515 205,880 8,099 SH SOLE 8,099 0 0
iShares iBonds Dec 2028 Muni Bond ETF ETF 46435U325 1,226,185 48,256 SH SOLE 48,256 0 0
iShares iBonds Dec 2029 Corp Bond ETF ETF 46436E205 3,841,876 164,675 SH SOLE 164,675 0 0
iShares iBonds Dec 2029 Muni Bond ETF ETF 46436E163 414,125 16,414 SH SOLE 16,414 0 0
iShares iBonds Dec 2030 Corp Bond ETF ETF 46436E726 522,177 23,757 SH SOLE 23,757 0 0
iShares iBonds Dec 2030 Muni Bond ETF ETF 46438G687 795,871 31,016 SH SOLE 31,016 0 0
iShares iBonds Dec 2031 Corp Bond ETF ETF 46436E486 584,088 27,761 SH SOLE 27,761 0 0
iShares MSCI USA Momentum ETF 46432F396 357,917 1,489 SH SOLE 1,489 0 0
iShares Russell 2000 Index Fund ETF ETF 464287655 313,543 1,453 SH SOLE 1,453 0 0
iShares S&P 500 Barra Gr. Fd. ETF 464287309 484,330 4,399 SH SOLE 4,399 0 0
iShares S&P Midcap 400 Index ETF ETF 464287507 4,172,608 67,278 SH SOLE 67,278 0 0
iShares S&P Smallcap 600 Index ETF ETF 464287804 2,593,626 23,732 SH SOLE 23,732 0 0
J H Multifactor Mid Cap ETF ETF 47804J206 6,047,690 98,932 SH SOLE 98,932 0 0
J P Morgan Active Bond ETF ETF 46654Q716 317,521 5,925 SH SOLE 5,925 0 0
J P Morgan Chase & Co COM 46625H100 5,913,923 20,399 SH SOLE 20,399 0 0
J.P. Morgan Municipal ETF ETF 46641Q647 4,992,607 100,576 SH SOLE 100,576 0 0
JH/DFA Small Cap Multifactor ETF ETF 47804J842 1,401,192 35,882 SH SOLE 35,882 0 0
Johnson & Johnson COM 478160104 3,503,108 22,934 SH SOLE 22,934 0 0
Johnson Controls PLC COM G51502105 242,926 2,300 SH SOLE 2,300 0 0
Kinder Morgan Inc COM 49456B101 377,259 12,832 SH SOLE 12,832 0 0
KLA Tencor Corp COM 482480100 1,014,102 1,132 SH SOLE 1,132 0 0
L3Harris Technologies Inc COM 502431109 2,080,901 8,296 SH SOLE 8,296 0 0
Lilly Eli & Co COM 532457108 799,805 1,026 SH SOLE 1,026 0 0
LKQ Corp COM 501889208 308,021 8,323 SH SOLE 8,323 0 0
Lockheed Martin Corp COM 539830109 229,706 496 SH SOLE 496 0 0
Lowes Companies COM 548661107 2,533,996 11,421 SH SOLE 11,421 0 0
Mastercard Inc COM 57636Q104 1,759,497 3,131 SH SOLE 3,131 0 0
McDonalds Corp COM 580135101 1,467,805 5,024 SH SOLE 5,024 0 0
Medtronic plc COM G5960L103 1,216,893 13,960 SH SOLE 13,960 0 0
Merck & Co Inc COM 58933Y105 3,636,153 45,934 SH SOLE 45,934 0 0
Meta Platforms Cl A COM 30303M102 3,948,441 5,350 SH SOLE 5,350 0 0
Microsoft Corp COM 594918104 13,869,492 27,883 SH SOLE 27,883 0 0
MLCO COM 585464100 112,542 15,566 SH SOLE 15,566 0 0
Mondelez Intl Inc Cl A COM 609207105 864,244 12,815 SH SOLE 12,815 0 0
Morgan Stanley Group COM 617446448 327,922 2,328 SH SOLE 2,328 0 0
MPLX LP COM 55336V100 417,231 8,100 SH SOLE 8,100 0 0
NextEra Energy Inc. COM 65339F101 1,184,818 17,067 SH SOLE 17,067 0 0
Nike Inc Class B COM 654106103 342,461 4,821 SH SOLE 4,821 0 0
NIO, Inc.Adr ADR 62914V106 41,239 12,023 SH SOLE 12,023 0 0
Northrop Grumman Corp COM 666807102 281,618 563 SH SOLE 563 0 0
Novartis ADR COM 66987V109 447,616 3,699 SH SOLE 3,699 0 0
Nvidia Corp COM 67066G104 9,480,795 60,009 SH SOLE 60,009 0 0
Oncolytics Biotech COM 682310875 17,713 22,915 SH SOLE 22,915 0 0
Oracle Systems COM 68389X105 1,564,852 7,158 SH SOLE 7,158 0 0
Ovid Therapeutics Inc COM 690469101 5,451 16,522 SH SOLE 16,522 0 0
Palantir Technologies Inc. COM 69608A108 659,244 4,836 SH SOLE 4,836 0 0
Palo Alto Networks Inc COM 697435105 2,876,215 14,055 SH SOLE 14,055 0 0
Paychex Inc COM 704326107 203,644 1,400 SH SOLE 1,400 0 0
Paypal Holdings, Inc. COM 70450Y103 487,539 6,560 SH SOLE 6,560 0 0
Pepsico COM 713448108 2,045,848 15,494 SH SOLE 15,494 0 0
Pfizer Inc COM 717081103 379,239 15,645 SH SOLE 15,645 0 0
Philip Morris Intl Inc COM 718172109 359,119 1,972 SH SOLE 1,972 0 0
PIMCO Intermediate Muni ETF ETF 72201R866 3,455,745 67,285 SH SOLE 67,285 0 0
PowerShares QQQ ETF ETF 46090E103 278,689 505 SH SOLE 505 0 0
PPG Inds Inc COM 693506107 218,400 1,920 SH SOLE 1,920 0 0
Procter & Gamble Inc COM 742718109 3,014,850 18,923 SH SOLE 18,923 0 0
Proshares S&P 500 Div Aristocrats ETF 74348A467 2,737,020 27,180 SH SOLE 27,180 0 0
Public Svc Enterprise COM 744573106 497,889 5,915 SH SOLE 5,915 0 0
Qualcomm Corp COM 747525103 1,336,239 8,390 SH SOLE 8,390 0 0
Quanta Services Inc COM 74762E102 3,564,891 9,429 SH SOLE 9,429 0 0
Real Estate Sector SPDR ETF 81369Y860 224,291 5,415 SH SOLE 5,415 0 0
Roper Technologies, Inc COM 776696106 1,276,746 2,252 SH SOLE 2,252 0 0
RTX Corp. COM 75513E101 3,013,720 20,639 SH SOLE 20,639 0 0
S&P 400 Mid-Cap SPDR ETF ETF 78467Y107 381,241 673 SH SOLE 673 0 0
Salesforce Com COM 79466L302 1,145,034 4,199 SH SOLE 4,199 0 0
Sch Fundamental US Large Co ETF ETF 808524771 395,852 16,131 SH SOLE 16,131 0 0
Schwab Dow Jones US Broad Mkt ETF ETF 808524102 1,697,844 71,248 SH SOLE 71,248 0 0
Schwab Dow Jones US Div Eq ETF ETF 808524797 23,938,313 903,333 SH SOLE 903,333 0 0
Schwab Dow Jones US Large Cap ETF ETF 808524201 38,229,634 1,564,224 SH SOLE 1,564,224 0 0
Schwab Dow Jones US Large Growth ETF ETF 808524300 6,729,389 230,380 SH SOLE 230,380 0 0
Schwab Dow Jones US Large Value ETF ETF 808524409 4,414,891 159,555 SH SOLE 159,555 0 0
Schwab Dow Jones US Mid-Cap ETF ETF 808524508 4,356,223 155,302 SH SOLE 155,302 0 0
Schwab Dow Jones US Sm-Cap ETF ETF 808524607 3,354,508 132,589 SH SOLE 132,589 0 0
Schwab FTSE Developed ex-US ETF ETF 808524805 7,280,630 329,440 SH SOLE 329,440 0 0
Schwab US AGG Bnd ETF ETF 808524839 222,587 9,578 SH SOLE 9,578 0 0
Sector Spdr Engy Select ETF 81369Y506 281,484 3,319 SH SOLE 3,319 0 0
SoFi Technologies ORD COM 83406F102 366,349 20,118 SH SOLE 20,118 0 0
SPDR Gold Shares ETF 78463V107 3,226,321 10,584 SH SOLE 10,584 0 0
SPDR MSCI Acwi Ex-US ETF 78463X848 1,100,815 33,705 SH SOLE 33,705 0 0
SPDR S&P 500 ETF ETF 78462F103 2,882,908 4,666 SH SOLE 4,666 0 0
SPDR S&P Biotech ETF ETF 78464A870 711,604 8,581 SH SOLE 8,581 0 0
SPDR S&P Dividend ETF ETF 78464A763 2,580,706 19,014 SH SOLE 19,014 0 0
SPDR Technology Select Sector ETF 81369Y803 1,306,098 5,158 SH SOLE 5,158 0 0
State Street Boston Corp COM 857477103 639,210 6,011 SH SOLE 6,011 0 0
Sundial Growers Inc COM 83307B101 77,948 64,420 SH SOLE 64,420 0 0
Sysco Inc COM 871829107 219,267 2,895 SH SOLE 2,895 0 0
Target Corp COM 87612E106 348,327 3,531 SH SOLE 3,531 0 0
TE Connectivity Ltd COM G87052109 236,138 1,400 SH SOLE 1,400 0 0
Tesla Motors Inc COM 88160R101 382,780 1,205 SH SOLE 1,205 0 0
Thermo Fisher Scientific COM 883556102 1,036,793 2,557 SH SOLE 2,557 0 0
Tilray Inc COM 88688T100 10,837 26,150 SH SOLE 26,150 0 0
TJX Cos Inc COM 872540109 737,014 5,968 SH SOLE 5,968 0 0
Trane Technologies PLC COM G8994E103 207,770 475 SH SOLE 475 0 0
Truist Finl Corp COM 89832Q109 342,525 7,968 SH SOLE 7,968 0 0
Tyson Foods Inc COM 902494103 392,328 7,013 SH SOLE 7,013 0 0
Uber Technologies Inc COM 90353T100 232,690 2,494 SH SOLE 2,494 0 0
Unilever Plc Adr New ADR 904767704 257,954 4,217 SH SOLE 4,217 0 0
Union Pacific Corp COM 907818108 2,123,028 9,227 SH SOLE 9,227 0 0
Valero Energy Corp. COM 91913Y100 214,589 1,596 SH SOLE 1,596 0 0
Vanguard Consumer Staples ETF ETF 92204A207 513,993 2,347 SH SOLE 2,347 0 0
Vanguard Div Appreciation ETF ETF 921908844 934,794 4,567 SH SOLE 4,567 0 0
Vanguard FTSE All-World ex-USA ETF ETF 922042775 3,417,216 50,836 SH SOLE 50,836 0 0
Vanguard FTSE Dev Mkt ETF ETF 921943858 377,235 6,617 SH SOLE 6,617 0 0
Vanguard Growth ETF ETF 922908736 1,037,265 2,366 SH SOLE 2,366 0 0
Vanguard Mid Cap Value ETF ETF 922908512 290,785 1,768 SH SOLE 1,768 0 0
Vanguard Mid-Cap ETF ETF 922908629 4,348,069 15,538 SH SOLE 15,538 0 0
Vanguard REIT ETF 922908553 853,462 9,583 SH SOLE 9,583 0 0
Vanguard S&P 500 ETF ETF 922908363 7,249,044 12,762 SH SOLE 12,762 0 0
Vanguard Small-Cap Value ETF ETF 922908611 1,310,264 6,719 SH SOLE 6,719 0 0
Vanguard Tax-Exempt Bond ETF ETF 922907746 3,904,329 79,631 SH SOLE 79,631 0 0
Vanguard Total International Stock ETF 921909768 351,202 5,083 SH SOLE 5,083 0 0
Vanguard Total Stock Mkt ETF ETF 922908769 462,027 1,520 SH SOLE 1,520 0 0
Vanguard Value ETF ETF 922908744 919,857 5,205 SH SOLE 5,205 0 0
Verizon Communications COM 92343V104 1,277,761 29,530 SH SOLE 29,530 0 0
Vertex Pharmaceuticals COM 92532F100 349,927 786 SH SOLE 786 0 0
VictoryShares Core Intermediate Bond ETF ETF 92647N527 20,877,623 443,544 SH SOLE 443,544 0 0
Visa, Inc. COM 92826C839 1,647,558 4,640 SH SOLE 4,640 0 0
Wal-Mart Stores COM 931142103 867,998 8,877 SH SOLE 8,877 0 0
Wells Fargo & Co 7.50pcnt Pfd PFD 949746804 345,156 294 SH SOLE 294 0 0
Wells Fargo & Company COM 949746101 312,949 3,906 SH SOLE 3,906 0 0
Wynn Resorts COM 983134107 230,990 2,466 SH SOLE 2,466 0 0
Zynex Inc COM 98986M103 28,935 11,215 SH SOLE 11,215 0 0