Newman Dignan & Sheerar 13F-HR Quarterly holdings report by institutional manager

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

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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
AON Corp	ADR	G0403H108	506	2,119	SH		SOLE		0	0	2,119
Jazz Pharma	COM	G50871105	231	1,300	SH		SOLE		0	0	1,300
Johnson Controls PLC	COM	G51502105	207	3,015	SH		SOLE		0	0	3,015
Medtronic plc	COM	G5960L103	3,041	24,497	SH		SOLE		0	0	24,497
TE Connectivity Ltd	COM	H84989104	237	1,750	SH		SOLE		0	0	1,750
AT&T Corp	COM	00206R102	552	19,182	SH		SOLE		0	0	19,182
Abbott Labs	COM	002824100	695	5,995	SH		SOLE		0	0	5,995
AbbVie Inc	COM	00287Y109	440	3,907	SH		SOLE		0	0	3,907
ETFS Phys. Swiss Gold Shares	ETF	00326A104	9,559	562,652	SH		SOLE		0	0	562,652
Alibaba Group Hldg Adr	ADR	01609W102	2,134	9,411	SH		SOLE		0	0	9,411
Allstate Corp	COM	020002101	486	3,722	SH		SOLE		0	0	3,722
Alphabet, Inc. Cl C	COM	02079K107	2,872	1,146	SH		SOLE		0	0	1,146
Alphabet, Inc. Cl A	COM	02079K305	7,862	3,220	SH		SOLE		0	0	3,220
Altria Group Inc	COM	02209S103	268	5,617	SH		SOLE		0	0	5,617
Amazon.com	COM	023135106	3,609	1,049	SH		SOLE		0	0	1,049
American Tower Corp	COM	03027X100	227	2,063	SH		SOLE		0	0	2,063
Amgen Inc	COM	031162100	2,429	9,966	SH		SOLE		0	0	9,966
Apple, Inc	COM	037833100	11,124	81,224	SH		SOLE		0	0	81,224
Applied Materials	COM	038222105	458	3,217	SH		SOLE		0	0	3,217
Automatic Data Processing	COM	053015103	973	4,900	SH		SOLE		0	0	4,900
Bank Of America	COM	060505104	2,283	55,361	SH		SOLE		0	0	55,361
Becton Dickinson	COM	075887109	250	1,028	SH		SOLE		0	0	1,028
Berkshire Hathaway B	COM	084670702	1,945	7,000	SH		SOLE		0	0	7,000
Blackstone Group Lp	COM	09260D107	812	8,356	SH		SOLE		0	0	8,356
Boeing Co	COM	097023105	238	995	SH		SOLE		0	0	995
Bristol Myers Squibb	COM	110122108	1,408	21,073	SH		SOLE		0	0	21,073
Broadcom Limited	COM	11135F101	947	1,986	SH		SOLE		0	0	1,986
Cigna	COM	125523100	204	859	SH		SOLE		0	0	859
CVS Health Corporation	COM	126650100	2,144	25,700	SH		SOLE		0	0	25,700
Carrier Global Corp	COM	14448C104	230	4,740	SH		SOLE		0	0	4,740
Catchmark Timber Tr	COM	14912Y202	849	72,587	SH		SOLE		0	0	72,587
Chase Corp	COM	16150R104	389	3,790	SH		SOLE		0	0	3,790
ChevronTexaco Corp	COM	166764100	1,373	13,112	SH		SOLE		0	0	13,112
Citigroup Inc	COM	172967424	381	5,388	SH		SOLE		0	0	5,388
Citizens Financial Group	COM	174610105	551	12,018	SH		SOLE		0	0	12,018
Cisco Systems	COM	17275R102	1,993	37,595	SH		SOLE		0	0	37,595
Coca Cola	COM	191216100	616	11,387	SH		SOLE		0	0	11,387
Colgate Palmolive Co	COM	194162103	205	2,520	SH		SOLE		0	0	2,520
Commercial Metals Co	COM	201723103	510	16,613	SH		SOLE		0	0	16,613
Conoco Phillips	COM	20825C104	207	3,405	SH		SOLE		0	0	3,405
Constellation Brands	COM	21036P108	444	1,900	SH		SOLE		0	0	1,900
Crowdstrike Hldgs Inc	COM	22788C105	255	1,015	SH		SOLE		0	0	1,015
Xtrckr CSI 300 China A Shs	ETF	233051879	623	15,369	SH		SOLE		0	0	15,369
Danaher Corp	COM	235851102	1,843	6,866	SH		SOLE		0	0	6,866
Diageo Plc	COM	25243Q205	316	1,651	SH		SOLE		0	0	1,651
Disney Walt Co	COM	254687106	2,734	15,554	SH		SOLE		0	0	15,554
Dominion Res Inc Va	COM	25746U109	470	6,386	SH		SOLE		0	0	6,386
Dow Chemical	COM	260557103	296	4,674	SH		SOLE		0	0	4,674
Du Pont E I De Nemours	COM	26614N102	388	5,015	SH		SOLE		0	0	5,015
Applied Finance Valuation Lg Cap ETF	ETF	26923N405	940	36,656	SH		SOLE		0	0	36,656
HACK- PureFunds ISE Cyber Security ETF	ETF	26924G201	2,293	4,828	SH		SOLE		0	0	4,828
IPAY - ETFMG Mobile Payments	ETF	26924G409	218	3,097	SH		SOLE		0	0	3,097
Emerson Electric	COM	291011104	1,166	12,117	SH		SOLE		0	0	12,117
Eversource Energy	COM	30040W108	232	2,888	SH		SOLE		0	0	2,888
Exxon-Mobil	COM	30231G102	1,135	17,988	SH		SOLE		0	0	17,988
Facebook Inc Class A	COM	30303M102	1,426	4,097	SH		SOLE		0	0	4,097
First Trust TCWOpportunistic Fxd Inc ETF	ETF	33740F805	350	6,529	SH		SOLE		0	0	6,529
Fiserv Inc.	COM	337738108	1,228	11,490	SH		SOLE		0	0	11,490
General Electric	COM	369604103	428	31,796	SH		SOLE		0	0	31,796
Global Payments, Inc.	COM	37940X102	1,070	5,708	SH		SOLE		0	0	5,708
Goldman Sachs Group	COM	38141G104	311	819	SH		SOLE		0	0	819
Gldmn Sachs ActiveBeta Emrg Mkts	ETF	381430206	308	7,558	SH		SOLE		0	0	7,558
Hewlett Packard	COM	40434L105	316	10,458	SH		SOLE		0	0	10,458
Home Depot	COM	437076102	1,570	4,922	SH		SOLE		0	0	4,922
Illinois Tool Works	COM	452308109	824	3,685	SH		SOLE		0	0	3,685
Intel Corp	COM	458140100	2,771	49,351	SH		SOLE		0	0	49,351
International Business Machines	COM	459200101	1,458	9,949	SH		SOLE		0	0	9,949
Intuit Inc.	COM	461202103	295	602	SH		SOLE		0	0	602
Invesco S&P 500 Eq. Wgt. ETF	ETF	46137V357	224	1,489	SH		SOLE		0	0	1,489
Invesco Financial Pfd	PFD	46137V621	225	11,659	SH		SOLE		0	0	11,659
Invesco Biotech & Genomics ETF	ETF	46137V787	1,021	13,201	SH		SOLE		0	0	13,201
Invesco S&P 500 Low Volatility ETF	ETF	46138E354	245	4,028	SH		SOLE		0	0	4,028
Invesco Preferred	PFD	46138E511	334	21,795	SH		SOLE		0	0	21,795
iShares China Large Cap ETF	ETF	464287184	385	8,308	SH		SOLE		0	0	8,308
iShares Inv. Grade Corp. Bd.	ETF	464287242	265	1,975	SH		SOLE		0	0	1,975
iShares S&P 500 Barra Gr. Fd.	ETF	464287309	924	12,711	SH		SOLE		0	0	12,711
iShares S&P 500 Value ETF	ETF	464287408	559	3,787	SH		SOLE		0	0	3,787
iShares S&P Midcap 400 Index ETF	ETF	464287507	3,452	12,845	SH		SOLE		0	0	12,845
iShares Russell 2000 Index Fund ETF	ETF	464287655	292	1,275	SH		SOLE		0	0	1,275
iShares S&P Smallcap 600 Index ETF	ETF	464287804	3,602	31,882	SH		SOLE		0	0	31,882
iShares Sht-Term National Muni ETF	ETF	464288158	291	2,700	SH		SOLE		0	0	2,700
iShares MBS ETF	ETF	464288588	365	3,368	SH		SOLE		0	0	3,368
iShares Floating Rate Bond ETF	ETF	46429B655	331	6,503	SH		SOLE		0	0	6,503
iShares MSCI USA Momentum	ETF	46432F396	317	1,829	SH		SOLE		0	0	1,829
J P Morgan Chase & Co	COM	46625H100	3,562	22,902	SH		SOLE		0	0	22,902
JH/DFA Small Cap Value ETF	ETF	47804J842	1,273	36,493	SH		SOLE		0	0	36,493
Johnson & Johnson	COM	478160104	4,935	29,954	SH		SOLE		0	0	29,954
KLA Tencor Corp	COM	482480100	307	946	SH		SOLE		0	0	946
Kulicke & Soffa Inds	COM	501242101	732	11,962	SH		SOLE		0	0	11,962
L3Harris Technologies Inc	COM	502431109	2,059	9,527	SH		SOLE		0	0	9,527
Lilly Eli & Co	COM	532457108	282	1,230	SH		SOLE		0	0	1,230
Lockheed Martin Corp	COM	539830109	500	1,321	SH		SOLE		0	0	1,321
Lowes Companies	COM	548661107	3,183	16,412	SH		SOLE		0	0	16,412
Mastercard Inc	COM	57636Q104	906	2,482	SH		SOLE		0	0	2,482
McDonalds Corp	COM	580135101	1,430	6,193	SH		SOLE		0	0	6,193
Merck & Co Inc	COM	58933Y105	4,116	52,920	SH		SOLE		0	0	52,920
Microsoft Corp	COM	594918104	9,109	33,627	SH		SOLE		0	0	33,627
Mondelez Intl Inc Cl A	COM	609207105	781	12,511	SH		SOLE		0	0	12,511
NextEra Energy Inc.	COM	65339F101	875	11,944	SH		SOLE		0	0	11,944
Nike Inc Class B	COM	654106103	1,314	8,504	SH		SOLE		0	0	8,504
Norfolk Southern Corp	COM	655844108	265	1,000	SH		SOLE		0	0	1,000
Northrop Grumman Corp	COM	666807102	204	560	SH		SOLE		0	0	560
Novartis A G	COM	66987V109	341	3,739	SH		SOLE		0	0	3,739
Nvidia Corp	COM	67066G104	1,900	2,375	SH		SOLE		0	0	2,375
Nuveen Inter Dur Qlty Muni	ETF	670677103	350	23,351	SH		SOLE		0	0	23,351
Oracle Systems	COM	68389X105	529	6,795	SH		SOLE		0	0	6,795
PPG Inds Inc	COM	693506107	326	1,920	SH		SOLE		0	0	1,920
Palantir Technologies Inc Ordinary Shares - Class	COM	69608A108	206	7,800	SH		SOLE		0	0	7,800
Palo Alto Networks Inc	COM	697435105	915	2,467	SH		SOLE		0	0	2,467
Paypal Holdings, Inc.	COM	70450Y103	2,057	7,057	SH		SOLE		0	0	7,057
Pepsico	COM	713448108	262	17,699	SH		SOLE		0	0	17,699
Pfizer Inc	COM	717081103	1,328	33,922	SH		SOLE		0	0	33,922
Philip Morris Intl Inc	COM	718172109	346	3,487	SH		SOLE		0	0	3,487
Procter & Gamble Inc	COM	742718109	2,867	21,249	SH		SOLE		0	0	21,249
Proshares S&P 500 Div Aristocrats	ETF	74348A467	6,189	68,286	SH		SOLE		0	0	68,286
Public Svc Enterprise	COM	744573106	512	8,575	SH		SOLE		0	0	8,575
Qualcomm Corp	COM	747525103	863	6,037	SH		SOLE		0	0	6,037
Quanta Services Inc	COM	74762E102	1,428	15,763	SH		SOLE		0	0	15,763
Raytheon Technologies Co	COM	75513E101	1,244	14,584	SH		SOLE		0	0	14,584
Roper Technologies, Inc	COM	776696106	812	1,726	SH		SOLE		0	0	1,726
SPDR S&P 500 ETF	ETF	78462F103	1,968	4,597	SH		SOLE		0	0	4,597
SPDR Gold Shares	ETF	78463V107	2,726	16,456	SH		SOLE		0	0	16,456
SPDR MSCI Acwi Ex-US	ETF	78463X848	726	24,051	SH		SOLE		0	0	24,051
SPDR Sr Innovative Tech	ETF	78464A110	400	1,767	SH		SOLE		0	0	1,767
SPDR S&P Dividend ETF	ETF	78464A763	3,868	31,632	SH		SOLE		0	0	31,632
SPDR S&P Biotech ETF	ETF	78464A870	1,587	11,720	SH		SOLE		0	0	11,720
SPDR Doubleline Ttl Rtrn	ETF	78467V848	1,009	20,838	SH		SOLE		0	0	20,838
S&P 400 Mid-Cap SPDR ETF	ETF	78467Y107	564	1,148	SH		SOLE		0	0	1,148
SPDR Blmbrg Brcly 1-10 Yr TIP	ETF	78468R861	2,936	138,928	SH		SOLE		0	0	138,928
SPDR DoubleLine EM ETF	ETF	78470P309	1,391	27,248	SH		SOLE		0	0	27,248
Salesforce Com	COM	79466L302	1,107	4,531	SH		SOLE		0	0	4,531
Schwab Dow Jones US Broad Mkt ETF	ETF	808524102	722	6,923	SH		SOLE		0	0	6,923
Schwab Dow Jones US Large Cap ETF	ETF	808524201	17,768	170,899	SH		SOLE		0	0	170,899
Schwab Dow Jones US Large Growth ETF	ETF	808524300	9,833	67,369	SH		SOLE		0	0	67,369
Schwab Dow Jones US Large Value ETF	ETF	808524409	8,606	125,876	SH		SOLE		0	0	125,876
Schwab Dow Jones US Mid-Cap ETF	ETF	808524508	6,297	80,449	SH		SOLE		0	0	80,449
Schwab Dow Jones US Sm-Cap ETF	ETF	808524607	4,943	47,450	SH		SOLE		0	0	47,450
Schwab FTSE Emerging Mkt ETF	ETF	808524706	379	11,540	SH		SOLE		0	0	11,540
Sch Fundamental EM Lg Co ETF	ETF	808524730	1,270	39,393	SH		SOLE		0	0	39,393
Sch Fundamental US Large Co ETF	ETF	808524771	375	6,857	SH		SOLE		0	0	6,857
Schwab Dow Jones US Div Eq ETF	ETF	808524797	17,367	229,655	SH		SOLE		0	0	229,655
Schwab FTSE Developed ex-US ETF	ETF	808524805	3,217	81,554	SH		SOLE		0	0	81,554
Schwab US AGG Bnd ETF	ETF	808524839	9,412	172,388	SH		SOLE		0	0	172,388
Schwab US TIPS ETF	ETF	808524870	327	5,229	SH		SOLE		0	0	5,229
SPDR Technology Select Sector	ETF	81369Y803	850	5,757	SH		SOLE		0	0	5,757
Service Now Inc	COM	81762P102	248	452	SH		SOLE		0	0	452
Shopify Inc	COM	82509L107	317	217	SH		SOLE		0	0	217
Skyworks Solutions	COM	83088M102	462	2,409	SH		SOLE		0	0	2,409
Stanley Works	COM	854502101	788	3,846	SH		SOLE		0	0	3,846
Starbucks Corp	COM	855244109	340	3,037	SH		SOLE		0	0	3,037
State Street Boston Corp	COM	857477103	515	6,256	SH		SOLE		0	0	6,256
Sysco Inc	COM	871829107	254	3,263	SH		SOLE		0	0	3,263
TJX Cos Inc	COM	872540109	546	8,105	SH		SOLE		0	0	8,105
Target Corp	COM	87612E106	382	1,582	SH		SOLE		0	0	1,582
Thermo Fisher Scientific	COM	883556102	1,453	2,880	SH		SOLE		0	0	2,880
3M Company	COM	88579Y101	371	1,868	SH		SOLE		0	0	1,868
Truist Finl Corp	COM	89832Q109	1,392	25,074	SH		SOLE		0	0	25,074
Tyson Foods Inc	COM	902494103	594	8,059	SH		SOLE		0	0	8,059
Unilever Plc Adr New	ADR	904767704	268	4,580	SH		SOLE		0	0	4,580
Union Pacific Corp	COM	907818108	2,069	9,410	SH		SOLE		0	0	9,410
UPS Inc	COM	911312106	509	2,446	SH		SOLE		0	0	2,446
Vanguard Div Appreciation ETF	ETF	921908844	1,712	11,061	SH		SOLE		0	0	11,061
Vanguard S&P 500 Growth	ETF	921932505	218	830	SH		SOLE		0	0	830
Vanguard Short-Term Bond ETF	ETF	921937827	410	4,987	SH		SOLE		0	0	4,987
Vanguard Sht-Term Infl Prot Sec ETF	ETF	922020805	414	7,895	SH		SOLE		0	0	7,895
Vanguard Consumer Staples ETF	ETF	92204A207	822	4,505	SH		SOLE		0	0	4,505
Vanguard Info Technology	ETF	92204A702	222	557	SH		SOLE		0	0	557
Vanguard FTSE All-World ex-USA ETF	ETF	922042775	2,379	37,534	SH		SOLE		0	0	37,534
Vanguard S&P 500 ETF	ETF	922908363	3,070	7,801	SH		SOLE		0	0	7,801
Vanguard Mid Cap Value ETF	ETF	922908512	351	2,497	SH		SOLE		0	0	2,497
Vanguard REIT	ETF	922908553	2,225	21,860	SH		SOLE		0	0	21,860
Vanguard Small-Cap Value ETF	ETF	922908611	698	4,018	SH		SOLE		0	0	4,018
Vanguard Mid-Cap ETF	ETF	922908629	826	3,479	SH		SOLE		0	0	3,479
Vanguard Growth ETF	ETF	922908736	2,217	7,730	SH		SOLE		0	0	7,730
Vanguard Value ETF	ETF	922908744	2,216	16,118	SH		SOLE		0	0	16,118
Vanguard Small Cap ETF	ETF	922908751	432	1,916	SH		SOLE		0	0	1,916
Verizon Communications	COM	92343V104	2,908	51,898	SH		SOLE		0	0	51,898
Vertex Pharmaceuticals	COM	92532F100	253	1,253	SH		SOLE		0	0	1,253
Visa, Inc.	COM	92826C839	1,752	7,493	SH		SOLE		0	0	7,493
Wal-Mart Stores	COM	931142103	530	3,761	SH		SOLE		0	0	3,761
Wells Fargo & Company	COM	949746101	233	5,140	SH		SOLE		0	0	5,140
Western Asset Muni Hi Income	ETF	95766N103	386	45,620	SH		SOLE		0	0	45,620