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
3M Company	COM	88579Y101	260	2,009	SH		SOLE		0	0	2,009
Abbott Labs	COM	002824100	664	6,109	SH		SOLE		0	0	6,109
AbbVie Inc	COM	00287Y109	645	4,212	SH		SOLE		0	0	4,212
Allstate Corp	COM	020002101	555	4,383	SH		SOLE		0	0	4,383
Alphabet, Inc. Cl A	COM	02079K305	6,978	3,202	SH		SOLE		0	0	3,202
Alphabet, Inc. Cl C	COM	02079K107	2,078	950	SH		SOLE		0	0	950
Altria Group Inc	COM	02209S103	319	7,635	SH		SOLE		0	0	7,635
Amazon.com	COM	023135106	2,306	21,710	SH		SOLE		0	0	21,710
American Tower Corp	COM	03027X100	556	2,176	SH		SOLE		0	0	2,176
Amgen Inc	COM	031162100	2,429	9,982	SH		SOLE		0	0	9,982
AON Corp	COM	G0403H108	368	1,366	SH		SOLE		0	0	1,366
Apple, Inc	COM	037833100	9,831	71,908	SH		SOLE		0	0	71,908
Applied Finance Valuation Lg Cap ETF	ETF	26923N405	5,405	234,316	SH		SOLE		0	0	234,316
Applied Materials	COM	038222105	292	3,212	SH		SOLE		0	0	3,212
Automatic Data Processing	COM	053015103	1,028	4,894	SH		SOLE		0	0	4,894
Bank Of America	COM	060505104	1,779	57,132	SH		SOLE		0	0	57,132
Beauty Health Company CL A ORD	COM	88331L108	349	27,144	SH		SOLE		0	0	27,144
Becton Dickinson	COM	075887109	253	1,028	SH		SOLE		0	0	1,028
Berkshire Hathaway B	COM	084670702	1,778	6,513	SH		SOLE		0	0	6,513
Blackstone Group Lp	COM	09260D107	794	8,703	SH		SOLE		0	0	8,703
Bristol Myers Squibb	COM	110122108	1,595	20,720	SH		SOLE		0	0	20,720
Broadcom Limited	COM	11135F101	1,562	3,216	SH		SOLE		0	0	3,216
Chase Corp	COM	16150R104	281	3,610	SH		SOLE		0	0	3,610
ChevronTexaco Corp	COM	166764100	2,126	14,683	SH		SOLE		0	0	14,683
Cigna	COM	125523100	234	887	SH		SOLE		0	0	887
Cisco Systems	COM	17275R102	1,601	37,545	SH		SOLE		0	0	37,545
Citizens Financial Group	COM	174610105	375	10,518	SH		SOLE		0	0	10,518
Coca Cola	COM	191216100	717	11,395	SH		SOLE		0	0	11,395
Commercial Metals Co	COM	201723103	551	16,636	SH		SOLE		0	0	16,636
Conoco Phillips	COM	20825C104	306	3,405	SH		SOLE		0	0	3,405
Constellation Brands	COM	21036P108	477	2,048	SH		SOLE		0	0	2,048
Corteva Inc	COM	22052L104	238	4,397	SH		SOLE		0	0	4,397
Costco Whsl Corp	COM	22160K105	271	565	SH		SOLE		0	0	565
CVS Health Corporation	COM	126650100	2,336	25,208	SH		SOLE		0	0	25,208
Danaher Corp	COM	235851102	1,618	6,382	SH		SOLE		0	0	6,382
DFA Emerging Mkt Core Equity ETF	ETF	25434V302	1,926	83,182	SH		SOLE		0	0	83,182
Diageo Plc	COM	25243Q205	287	1,651	SH		SOLE		0	0	1,651
Disney Walt Co	COM	254687106	1,477	15,644	SH		SOLE		0	0	15,644
Dominion Res Inc Va	COM	25746U109	510	6,386	SH		SOLE		0	0	6,386
Dow Chemical	COM	260557103	273	5,280	SH		SOLE		0	0	5,280
Du Pont E I De Nemours	COM	26614N102	280	5,038	SH		SOLE		0	0	5,038
Duke Energy	COM	26441C204	304	2,838	SH		SOLE		0	0	2,838
Emerson Electric	COM	291011104	1,056	13,279	SH		SOLE		0	0	13,279
ETFS Phys. Swiss Gold Shares	ETF	00326A104	9,405	542,674	SH		SOLE		0	0	542,674
Eversource Energy	COM	30040W108	218	2,580	SH		SOLE		0	0	2,580
Exxon-Mobil	COM	30231G102	1,635	19,089	SH		SOLE		0	0	19,089
First Trust Preferred Sec & Inc ETF	ETF	33739E108	5,041	292,591	SH		SOLE		0	0	292,591
First Trust Senior Loan ETF	ETF	33738D309	619	14,034	SH		SOLE		0	0	14,034
First Trust TCWOpportunistic Fxd Inc ETF	ETF	33740F805	2,938	63,363	SH		SOLE		0	0	63,363
Fiserv Inc.	COM	337738108	1,074	12,076	SH		SOLE		0	0	12,076
General Electric	COM	369604301	253	3,970	SH		SOLE		0	0	3,970
Global Payments, Inc.	COM	37940X102	899	8,126	SH		SOLE		0	0	8,126
Goldman Sachs ActiveBeta Intl Eq ETF	ETF	381430107	4,505	162,221	SH		SOLE		0	0	162,221
Goldman Sachs Group	COM	38141G104	319	1,075	SH		SOLE		0	0	1,075
HACK- PureFunds ISE Cyber Security ETF	ETF	26924G201	232	5,075	SH		SOLE		0	0	5,075
Hartford MultiFactor Developed Mkts	ETF	518416102	412	16,540	SH		SOLE		0	0	16,540
Hewlett Packard	COM	40434L105	284	8,676	SH		SOLE		0	0	8,676
Home Depot	COM	437076102	1,159	4,227	SH		SOLE		0	0	4,227
Illinois Tool Works	COM	452308109	651	3,570	SH		SOLE		0	0	3,570
Intel Corp	COM	458140100	879	23,499	SH		SOLE		0	0	23,499
International Business Machines	COM	459200101	1,447	10,251	SH		SOLE		0	0	10,251
Intuit Inc.	COM	461202103	231	600	SH		SOLE		0	0	600
Invesco Biotech & Genomics ETF	ETF	46137V787	762	13,201	SH		SOLE		0	0	13,201
Invesco S&P 500 Low Volatility ETF	ETF	46138E354	275	4,428	SH		SOLE		0	0	4,428
iShare Core MSCI Emerging Markets	ETF	46434G103	3,740	76,233	SH		SOLE		0	0	76,233
iShares Barclays1-3 Year Treasury Bd Fd	ETF	464287457	387	4,677	SH		SOLE		0	0	4,677
iShares Floating Rate Bond ETF	ETF	46429B655	325	6,519	SH		SOLE		0	0	6,519
iShares iBonds Dec 2023 Corp Bd ETF	ETF	46434VAX8	2,617	104,310	SH		SOLE		0	0	104,310
iShares iBonds Dec 2023 ETF	ETF	46436E882	474	19,028	SH		SOLE		0	0	19,028
iShares iBonds Dec 2023 Muni Bd ETF	ETF	46435G318	2,489	97,596	SH		SOLE		0	0	97,596
iShares iBonds Dec 2024 Corp Bd ETF	ETF	46434VBG4	2,503	101,114	SH		SOLE		0	0	101,114
iShares iBonds Dec 2024 ETF	ETF	46436E874	447	18,284	SH		SOLE		0	0	18,284
iShares iBonds Dec 2024 Muni Bd ETF	ETF	46435U697	3,007	115,671	SH		SOLE		0	0	115,671
iShares iBonds Dec 2025 Corp Bd ETF	ETF	46434VBD1	537	21,735	SH		SOLE		0	0	21,735
iShares iBonds Dec 2025 Muni Bd ETF	ETF	46435U432	2,376	89,220	SH		SOLE		0	0	89,220
iShares iBonds Dec 2026 Muni Bd ETF	ETF	46435U259	1,180	46,561	SH		SOLE		0	0	46,561
iShares MSCI USA Momentum	ETF	46432F396	249	1,829	SH		SOLE		0	0	1,829
iShares Russell 2000 Index Fund ETF	ETF	464287655	216	1,275	SH		SOLE		0	0	1,275
iShares S&P 500 Barra Gr. Fd.	ETF	464287309	566	9,376	SH		SOLE		0	0	9,376
iShares S&P 500 Value ETF	ETF	464287408	472	3,435	SH		SOLE		0	0	3,435
iShares S&P Midcap 400 Index ETF	ETF	464287507	2,983	13,188	SH		SOLE		0	0	13,188
iShares S&P Smallcap 600 Index ETF	ETF	464287804	2,944	31,862	SH		SOLE		0	0	31,862
iShares Sht-Term National Muni ETF	ETF	464288158	284	2,716	SH		SOLE		0	0	2,716
J P Morgan Chase & Co	COM	46625H100	2,736	24,297	SH		SOLE		0	0	24,297
JH/DFA Small Cap Multifactor ETF	ETF	47804J842	1,317	45,058	SH		SOLE		0	0	45,058
Johnson & Johnson	COM	478160104	5,197	29,277	SH		SOLE		0	0	29,277
Kinder Morgan Inc	COM	49456B101	218	12,993	SH		SOLE		0	0	12,993
KLA Tencor Corp	COM	482480100	418	1,310	SH		SOLE		0	0	1,310
Kulicke & Soffa Inds	COM	501242101	834	19,492	SH		SOLE		0	0	19,492
L3Harris Technologies Inc	COM	502431109	2,183	9,033	SH		SOLE		0	0	9,033
Lilly Eli & Co	COM	532457108	464	1,430	SH		SOLE		0	0	1,430
Lockheed Martin Corp	COM	539830109	640	1,488	SH		SOLE		0	0	1,488
Lowes Companies	COM	548661107	2,504	14,338	SH		SOLE		0	0	14,338
Mastercard Inc	COM	57636Q104	798	2,531	SH		SOLE		0	0	2,531
McDonalds Corp	COM	580135101	1,472	5,961	SH		SOLE		0	0	5,961
Medtronic plc	ADR	G5960L103	2,115	23,568	SH		SOLE		0	0	23,568
Merck & Co Inc	COM	58933Y105	4,894	53,677	SH		SOLE		0	0	53,677
Meta Platforms Cl A	COM	30303M102	653	4,051	SH		SOLE		0	0	4,051
Microsoft Corp	COM	594918104	8,242	32,091	SH		SOLE		0	0	32,091
Mondelez Intl Inc Cl A	COM	609207105	830	13,356	SH		SOLE		0	0	13,356
MPLX LP	COM	55336V100	233	8,000	SH		SOLE		0	0	8,000
NextEra Energy Inc.	COM	65339F101	942	12,156	SH		SOLE		0	0	12,156
Nike Inc Class B	COM	654106103	786	7,687	SH		SOLE		0	0	7,687
Northrop Grumman Corp	COM	666807102	268	560	SH		SOLE		0	0	560
Novartis A G	COM	66987V109	313	3,699	SH		SOLE		0	0	3,699
Nuveen Inter Dur Qlty Muni	ETF	670677103	307	24,158	SH		SOLE		0	0	24,158
Nvidia Corp	COM	67066G104	1,555	10,257	SH		SOLE		0	0	10,257
Oracle Systems	COM	68389X105	476	6,811	SH		SOLE		0	0	6,811
Palo Alto Networks Inc	COM	697435105	1,118	2,263	SH		SOLE		0	0	2,263
Paychex Inc	COM	704326107	244	2,145	SH		SOLE		0	0	2,145
Paypal Holdings, Inc.	COM	70450Y103	393	5,631	SH		SOLE		0	0	5,631
Pepsico	COM	713448108	2,896	17,375	SH		SOLE		0	0	17,375
Pfizer Inc	COM	717081103	1,743	33,245	SH		SOLE		0	0	33,245
Philip Morris Intl Inc	COM	718172109	368	3,731	SH		SOLE		0	0	3,731
Pimco Intermediate Muni ETF	ETF	72201R866	521	10,113	SH		SOLE		0	0	10,113
PPG Inds Inc	COM	693506107	220	1,920	SH		SOLE		0	0	1,920
Procter & Gamble Inc	COM	742718109	3,031	21,082	SH		SOLE		0	0	21,082
Proshares S&P 500 Div Aristocrats	ETF	74348A467	6,330	74,152	SH		SOLE		0	0	74,152
Public Svc Enterprise	COM	744573106	493	7,785	SH		SOLE		0	0	7,785
Qualcomm Corp	COM	747525103	907	7,100	SH		SOLE		0	0	7,100
Quanta Services Inc	COM	74762E102	1,842	14,695	SH		SOLE		0	0	14,695
Raytheon Technologies Co	COM	75513E101	1,452	15,112	SH		SOLE		0	0	15,112
Real Estate Sector SPDR	ETF	81369Y860	3,657	89,505	SH		SOLE		0	0	89,505
Regeneron Pharm	COM	75886F107	405	685	SH		SOLE		0	0	685
Roper Technologies, Inc	COM	776696106	696	1,764	SH		SOLE		0	0	1,764
S&P 400 Mid-Cap SPDR ETF	ETF	78467Y107	331	801	SH		SOLE		0	0	801
Salesforce Com	COM	79466L302	720	4,364	SH		SOLE		0	0	4,364
Sch Fundamental EM Lg Co ETF	ETF	808524730	318	12,260	SH		SOLE		0	0	12,260
Sch Fundamental US Large Co ETF	ETF	808524771	355	6,966	SH		SOLE		0	0	6,966
Schwab Dow Jones US Broad Mkt ETF	ETF	808524102	610	13,797	SH		SOLE		0	0	13,797
Schwab Dow Jones US Div Eq ETF	ETF	808524797	15,915	222,177	SH		SOLE		0	0	222,177
Schwab Dow Jones US Large Cap ETF	ETF	808524201	16,018	358,661	SH		SOLE		0	0	358,661
Schwab Dow Jones US Large Growth ETF	ETF	808524300	6,606	113,925	SH		SOLE		0	0	113,925
Schwab Dow Jones US Large Value ETF	ETF	808524409	7,457	119,459	SH		SOLE		0	0	119,459
Schwab Dow Jones US Mid-Cap ETF	ETF	808524508	5,321	84,823	SH		SOLE		0	0	84,823
Schwab Dow Jones US Sm-Cap ETF	ETF	808524607	4,028	103,304	SH		SOLE		0	0	103,304
Schwab FTSE Developed ex-US ETF	ETF	808524805	3,559	113,174	SH		SOLE		0	0	113,174
Schwab FTSE Emerging Mkt ETF	ETF	808524706	272	10,726	SH		SOLE		0	0	10,726
Schwab US AGG Bnd ETF	ETF	808524839	2,179	45,522	SH		SOLE		0	0	45,522
Schwab US TIPS ETF	ETF	808524870	305	5,471	SH		SOLE		0	0	5,471
Sector Spdr Engy Select	ETF	81369Y506	271	3,789	SH		SOLE		0	0	3,789
Service Now Inc	COM	81762P102	211	444	SH		SOLE		0	0	444
SPDR Blmbrg Brcly 1-10 Yr TIP	ETF	78468R861	1,547	79,496	SH		SOLE		0	0	79,496
SPDR Doubleline Ttl Rtrn	ETF	78467V848	519	12,311	SH		SOLE		0	0	12,311
SPDR Gold Shares	ETF	78463V107	2,790	16,560	SH		SOLE		0	0	16,560
SPDR MSCI Acwi Ex-US	ETF	78463X848	893	37,534	SH		SOLE		0	0	37,534
SPDR S&P 500 ETF	ETF	78462F103	1,739	4,609	SH		SOLE		0	0	4,609
SPDR S&P Biotech ETF	ETF	78464A870	1,049	14,122	SH		SOLE		0	0	14,122
SPDR S&P Dividend ETF	ETF	78464A763	3,470	29,236	SH		SOLE		0	0	29,236
SPDR Technology Select Sector	ETF	81369Y803	736	5,793	SH		SOLE		0	0	5,793
Stanley Works	COM	854502101	383	3,648	SH		SOLE		0	0	3,648
State Street Boston Corp	COM	857477103	370	6,007	SH		SOLE		0	0	6,007
Sysco Inc	COM	871829107	276	3,254	SH		SOLE		0	0	3,254
Target Corp	COM	87612E106	233	1,648	SH		SOLE		0	0	1,648
Thermo Fisher Scientific	COM	883556102	1,437	2,645	SH		SOLE		0	0	2,645
TJX Cos Inc	COM	872540109	397	7,114	SH		SOLE		0	0	7,114
Truist Finl Corp	COM	89832Q109	1,528	32,224	SH		SOLE		0	0	32,224
Tyson Foods Inc	COM	902494103	683	7,940	SH		SOLE		0	0	7,940
Unilever Plc Adr New	ADR	904767704	202	4,400	SH		SOLE		0	0	4,400
Union Pacific Corp	COM	907818108	2,011	9,430	SH		SOLE		0	0	9,430
UPS Inc	COM	911312106	561	3,073	SH		SOLE		0	0	3,073
Vanguard Consumer Staples ETF	ETF	92204A207	690	3,721	SH		SOLE		0	0	3,721
Vanguard Div Appreciation ETF	ETF	921908844	1,167	8,136	SH		SOLE		0	0	8,136
Vanguard FTSE All-World ex-USA ETF	ETF	922042775	2,058	41,195	SH		SOLE		0	0	41,195
Vanguard Growth ETF	ETF	922908736	1,545	6,933	SH		SOLE		0	0	6,933
Vanguard Mid Cap Value ETF	ETF	922908512	327	2,525	SH		SOLE		0	0	2,525
Vanguard Mid-Cap ETF	ETF	922908629	1,048	5,323	SH		SOLE		0	0	5,323
Vanguard REIT	ETF	922908553	2,049	22,485	SH		SOLE		0	0	22,485
Vanguard S&P 500 ETF	ETF	922908363	2,692	7,759	SH		SOLE		0	0	7,759
Vanguard Short-Term Bond ETF	ETF	921937827	315	4,105	SH		SOLE		0	0	4,105
Vanguard Sht-Term Infl Prot Sec ETF	ETF	922020805	417	8,322	SH		SOLE		0	0	8,322
Vanguard Small Cap ETF	ETF	922908751	235	1,334	SH		SOLE		0	0	1,334
Vanguard Small-Cap Value ETF	ETF	922908611	1,259	8,405	SH		SOLE		0	0	8,405
Vanguard Value ETF	ETF	922908744	2,029	15,386	SH		SOLE		0	0	15,386
Verizon Communications	COM	92343V104	2,594	51,118	SH		SOLE		0	0	51,118
Vertex Pharmaceuticals	COM	92532F100	254	903	SH		SOLE		0	0	903
Visa, Inc.	COM	92826C839	1,161	5,899	SH		SOLE		0	0	5,899
Wal-Mart Stores	COM	931142103	512	4,209	SH		SOLE		0	0	4,209
Wells Fargo & Co 7.50pcnt Pfd	PFD	949746804	319	262	SH		SOLE		0	0	262
Western Asset Muni Hi Income	ETF	95766N103	310	47,113	SH		SOLE		0	0	47,113