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

OMB APPROVAL

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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	282,432	2,584	SH		SOLE		0	0	2,584
Abbott Labs	COM	002824100	611,162	5,552	SH		SOLE		0	0	5,552
AbbVie Inc	COM	00287Y109	615,076	3,969	SH		SOLE		0	0	3,969
Adaptimmune Therapeutics PLC	ADR	00653A107	18,264	23,031	SH		SOLE		0	0	23,031
Adobe Systems	COM	00724F101	236,850	397	SH		SOLE		0	0	397
Alphabet, Inc. Cl A	COM	02079K305	8,324,406	59,592	SH		SOLE		0	0	59,592
Alphabet, Inc. Cl C	COM	02079K107	2,270,946	16,114	SH		SOLE		0	0	16,114
Amazon.com	COM	023135106	3,817,189	25,123	SH		SOLE		0	0	25,123
American Tower Corp	COM	03027X100	445,779	2,065	SH		SOLE		0	0	2,065
Amgen Inc	COM	031162100	2,705,984	9,395	SH		SOLE		0	0	9,395
AON Corp	COM	G0403H108	369,595	1,270	SH		SOLE		0	0	1,270
Apple, Inc	COM	037833100	12,757,818	66,264	SH		SOLE		0	0	66,264
Applied Materials	COM	038222105	520,407	3,211	SH		SOLE		0	0	3,211
Ashford Hospitality Trust Inc	COM	044103869	31,684	16,332	SH		SOLE		0	0	16,332
Automatic Data Processing	COM	053015103	1,384,541	5,943	SH		SOLE		0	0	5,943
Bank Of America	COM	060505104	1,954,535	58,050	SH		SOLE		0	0	58,050
Beauty Health Company CL A ORD	ADR	88331L108	127,958	41,144	SH		SOLE		0	0	41,144
Becton Dickinson	COM	075887109	237,978	976	SH		SOLE		0	0	976
Berkshire Hathaway B	COM	084670702	2,266,931	6,356	SH		SOLE		0	0	6,356
Blackstone Group Lp	COM	09260D107	1,083,873	8,279	SH		SOLE		0	0	8,279
Bristol Myers Squibb	COM	110122108	1,083,579	21,118	SH		SOLE		0	0	21,118
Broadcom Limited	COM	11135F101	3,591,049	3,217	SH		SOLE		0	0	3,217
Carrier Global Corp	COM	14448C104	269,670	4,694	SH		SOLE		0	0	4,694
ChevronTexaco Corp	COM	166764100	2,270,822	15,224	SH		SOLE		0	0	15,224
Cigna	COM	125523100	256,329	856	SH		SOLE		0	0	856
Cisco Systems	COM	17275R102	1,970,531	39,005	SH		SOLE		0	0	39,005
Citizens Financial Group	COM	174610105	759,788	22,927	SH		SOLE		0	0	22,927
Clearside Biomedical Inc	COM	185063104	32,787	28,023	SH		SOLE		0	0	28,023
Coca Cola	COM	191216100	801,124	13,595	SH		SOLE		0	0	13,595
Commercial Metals Co	COM	201723103	714,294	14,274	SH		SOLE		0	0	14,274
Conoco Phillips	COM	20825C104	410,888	3,540	SH		SOLE		0	0	3,540
Constellation Brands	COM	21036P108	559,115	2,313	SH		SOLE		0	0	2,313
Corteva Inc	COM	22052L104	210,704	4,397	SH		SOLE		0	0	4,397
Costco Whsl Corp	COM	22160K105	376,066	570	SH		SOLE		0	0	570
CVS Health Corporation	COM	126650100	1,768,867	22,402	SH		SOLE		0	0	22,402
Danaher Corp	COM	235851102	1,332,056	5,758	SH		SOLE		0	0	5,758
Diageo Plc	COM	25243Q205	225,919	1,551	SH		SOLE		0	0	1,551
Dimensional Emerg Core Equity Mkt ETF	ETF	25434V302	5,839,774	242,214	SH		SOLE		0	0	242,214
Dimensional International Core Equity Mkt ETF	ETF	25434V203	1,426,798	49,818	SH		SOLE		0	0	49,818
Disney Walt Co	COM	254687106	886,331	9,816	SH		SOLE		0	0	9,816
Dominion Res Inc Va	COM	25746U109	202,100	4,300	SH		SOLE		0	0	4,300
Dow Chemical	COM	260557103	260,624	4,752	SH		SOLE		0	0	4,752
Du Pont E I De Nemours	ADR	26614N102	407,267	5,294	SH		SOLE		0	0	5,294
Emerson Electric	COM	291011104	1,229,181	12,629	SH		SOLE		0	0	12,629
ETFS Phys. Swiss Gold Shares	ETF	00326A104	9,602,701	486,459	SH		SOLE		0	0	486,459
Exxon-Mobil	COM	30231G102	1,748,659	17,490	SH		SOLE		0	0	17,490
First Trust Preferred Sec & Inc ETF	ETF	33739E108	5,514,947	327,102	SH		SOLE		0	0	327,102
First Trust TCWOpportunistic Fxd Inc ETF	ETF	33740F805	6,109,011	136,958	SH		SOLE		0	0	136,958
Fiserv Inc	COM	337738108	1,663,688	12,524	SH		SOLE		0	0	12,524
General Electric	COM	369604301	511,413	4,007	SH		SOLE		0	0	4,007
Global Payments, Inc.	COM	37940X102	542,041	4,268	SH		SOLE		0	0	4,268
Goldman Sachs ActiveBeta Intl Eq ETF	ETF	381430107	4,537,743	138,939	SH		SOLE		0	0	138,939
Goldman Sachs Group	COM	38141G104	359,865	933	SH		SOLE		0	0	933
Hewlett Packard	COM	40434L105	332,351	11,045	SH		SOLE		0	0	11,045
Home Depot	COM	437076102	1,754,661	5,063	SH		SOLE		0	0	5,063
Illinois Tool Works	COM	452308109	960,796	3,668	SH		SOLE		0	0	3,668
Intel Corp	COM	458140100	754,627	15,017	SH		SOLE		0	0	15,017
International Business Machines	COM	459200101	1,722,019	10,529	SH		SOLE		0	0	10,529
Intuit Inc.	COM	461202103	375,018	600	SH		SOLE		0	0	600
Invesco Biotech & Genomics ETF	ETF	46137V787	835,246	12,686	SH		SOLE		0	0	12,686
Invesco S&P 500 Low Volatility ETF	ETF	46138E354	252,417	4,028	SH		SOLE		0	0	4,028
Invitae Corp	COM	46185L103	7,222	11,522	SH		SOLE		0	0	11,522
iShare Core MSCI Emerging Markets	ETF	46434G103	2,882,702	56,993	SH		SOLE		0	0	56,993
iShares iBonds Dec 2024 Corp Bd ETF	ETF	46434VBG4	2,930,384	117,639	SH		SOLE		0	0	117,639
iShares iBonds Dec 2024 Muni Bd ETF	ETF	46435U697	3,856,166	148,714	SH		SOLE		0	0	148,714
iShares iBonds Dec 2025 Corp Bd ETF	ETF	46434VBD1	1,687,440	68,152	SH		SOLE		0	0	68,152
iShares iBonds Dec 2025 Muni Bd ETF	ETF	46435U432	3,690,321	139,021	SH		SOLE		0	0	139,021
iShares iBonds Dec 2026 Corp Bd ETF	ETF	46435GAA0	422,122	17,662	SH		SOLE		0	0	17,662
iShares iBonds Dec 2026 Muni Bd ETF	ETF	46435U259	3,057,877	119,865	SH		SOLE		0	0	119,865
iShares iBonds Dec 2027 Corp Bd ETF	ETF	46435UAA9	298,404	12,470	SH		SOLE		0	0	12,470
iShares iBonds Dec 2027 Muni Bd ETF	ETF	46435U283	1,659,523	65,297	SH		SOLE		0	0	65,297
iShares iBonds Dec 2028 Muni Bd ETF	ETF	46435U325	938,539	36,676	SH		SOLE		0	0	36,676
iShares MSCI USA Momentum	ETF	46432F396	233,582	1,489	SH		SOLE		0	0	1,489
iShares Russell 2000 Index Fund ETF	ETF	464287655	255,905	1,275	SH		SOLE		0	0	1,275
iShares S&P 500 Barra Gr. Fd.	ETF	464287309	487,474	6,491	SH		SOLE		0	0	6,491
iShares S&P Midcap 400 Index ETF	ETF	464287507	3,599,964	12,989	SH		SOLE		0	0	12,989
iShares S&P Smallcap 600 Index ETF	ETF	464287804	3,055,186	28,223	SH		SOLE		0	0	28,223
J P Morgan Chase & Co	COM	46625H100	4,287,036	25,203	SH		SOLE		0	0	25,203
J.P. Morgan Municipal ETF	ETF	46641Q647	2,030,041	39,836	SH		SOLE		0	0	39,836
JH/DFA Small Cap Multifactor ETF	ETF	47804J842	1,480,907	40,497	SH		SOLE		0	0	40,497
Johnson & Johnson	COM	478160104	4,020,201	25,649	SH		SOLE		0	0	25,649
Kinder Morgan Inc	COM	49456B101	222,714	12,626	SH		SOLE		0	0	12,626
KLA Tencor Corp	COM	482480100	767,654	1,321	SH		SOLE		0	0	1,321
L3Harris Technologies Inc	COM	502431109	1,890,364	8,975	SH		SOLE		0	0	8,975
Lilly Eli & Co	COM	532457108	862,722	1,480	SH		SOLE		0	0	1,480
Lockheed Martin Corp	COM	539830109	583,912	1,288	SH		SOLE		0	0	1,288
Lowes Companies	COM	548661107	2,721,007	12,227	SH		SOLE		0	0	12,227
Mastercard Inc	COM	57636Q104	1,104,206	2,589	SH		SOLE		0	0	2,589
McDonalds Corp	COM	580135101	1,673,824	5,645	SH		SOLE		0	0	5,645
Medicenna Therapeutics Corp	COM	58490H107	3,936	12,915	SH		SOLE		0	0	12,915
Medtronic plc	ADR	G5960L103	1,723,307	20,919	SH		SOLE		0	0	20,919
Merck & Co Inc	COM	58933Y105	5,763,405	52,866	SH		SOLE		0	0	52,866
Meta Platforms Cl A	COM	30303M102	1,230,365	3,476	SH		SOLE		0	0	3,476
Microsoft Corp	COM	594918104	11,680,053	31,061	SH		SOLE		0	0	31,061
MIRION TECHNOLOG	COM	60471A119	25,422	12,523	SH		SOLE		0	0	12,523
MLCO	COM	585464100	118,459	13,355	SH		SOLE		0	0	13,355
Mondelez Intl Inc Cl A	COM	609207105	1,062,693	14,672	SH		SOLE		0	0	14,672
Morgan Stanley Group	COM	617446448	217,086	2,328	SH		SOLE		0	0	2,328
MPLX LP	COM	55336V100	304,776	8,300	SH		SOLE		0	0	8,300
NextEra Energy Inc.	COM	65339F101	1,007,385	16,585	SH		SOLE		0	0	16,585
Nike Inc Class B	COM	654106103	722,365	6,653	SH		SOLE		0	0	6,653
Novartis A G	ADR	66987V109	373,488	3,699	SH		SOLE		0	0	3,699
Nvidia Corp	COM	67066G104	3,459,949	6,987	SH		SOLE		0	0	6,987
Oncolytics Biotech	COM	682310875	29,720	22,015	SH		SOLE		0	0	22,015
Oracle Systems	COM	68389X105	785,348	7,449	SH		SOLE		0	0	7,449
Ovid Therapeutics Inc	COM	690469101	53,201	16,522	SH		SOLE		0	0	16,522
Palo Alto Networks Inc	COM	697435105	2,070,352	7,021	SH		SOLE		0	0	7,021
Paypal Holdings, Inc.	COM	70450Y103	286,539	4,666	SH		SOLE		0	0	4,666
Pepsico	COM	713448108	3,073,528	18,097	SH		SOLE		0	0	18,097
Pfizer Inc	COM	717081103	677,958	23,548	SH		SOLE		0	0	23,548
Pimco Intermediate Muni ETF	ETF	72201R866	580,096	10,987	SH		SOLE		0	0	10,987
PPG Inds Inc	COM	693506107	287,136	1,920	SH		SOLE		0	0	1,920
Procter & Gamble Inc	COM	742718109	3,191,243	21,777	SH		SOLE		0	0	21,777
Proshares S&P 500 Div Aristocrats	ETF	74348A467	7,571,904	79,537	SH		SOLE		0	0	79,537
Public Svc Enterprise	COM	744573106	437,398	7,153	SH		SOLE		0	0	7,153
Qualcomm Corp	COM	747525103	1,157,241	8,001	SH		SOLE		0	0	8,001
Quanta Services Inc	COM	74762E102	2,567,868	11,899	SH		SOLE		0	0	11,899
Real Estate Sector SPDR	ETF	81369Y860	241,040	6,017	SH		SOLE		0	0	6,017
Regeneron Pharm	COM	75886F107	481,303	548	SH		SOLE		0	0	548
Roper Technologies, Inc	COM	776696106	986,239	1,809	SH		SOLE		0	0	1,809
RTX Corp.	COM	75513E101	1,713,743	20,368	SH		SOLE		0	0	20,368
S&P 400 Mid-Cap SPDR ETF	ETF	78467Y107	396,264	781	SH		SOLE		0	0	781
Salesforce Com	COM	79466L302	1,058,875	4,024	SH		SOLE		0	0	4,024
Sch Fundamental US Large Co ETF	ETF	808524771	410,717	6,631	SH		SOLE		0	0	6,631
Schwab Dow Jones US Broad Mkt ETF	ETF	808524102	1,073,105	19,276	SH		SOLE		0	0	19,276
Schwab Dow Jones US Div Eq ETF	ETF	808524797	18,118,769	237,998	SH		SOLE		0	0	237,998
Schwab Dow Jones US Large Cap ETF	ETF	808524201	26,130,673	463,310	SH		SOLE		0	0	463,310
Schwab Dow Jones US Large Growth ETF	ETF	808524300	5,794,607	69,848	SH		SOLE		0	0	69,848
Schwab Dow Jones US Large Value ETF	ETF	808524409	5,028,901	71,739	SH		SOLE		0	0	71,739
Schwab Dow Jones US Mid-Cap ETF	ETF	808524508	6,535,889	86,775	SH		SOLE		0	0	86,775
Schwab Dow Jones US Sm-Cap ETF	ETF	808524607	4,234,263	89,633	SH		SOLE		0	0	89,633
Schwab FTSE Developed ex-US ETF	ETF	808524805	5,537,511	149,824	SH		SOLE		0	0	149,824
Schwab US AGG Bnd ETF	ETF	808524839	846,632	18,160	SH		SOLE		0	0	18,160
Sector Spdr Engy Select	ETF	81369Y506	301,656	3,598	SH		SOLE		0	0	3,598
SoFi Technologies ORD	ADR	83406F102	151,469	15,223	SH		SOLE		0	0	15,223
SPDR Doubleline Ttl Rtrn	ETF	78467V848	534,463	13,279	SH		SOLE		0	0	13,279
SPDR Gold Shares	ETF	78463V107	2,429,197	12,707	SH		SOLE		0	0	12,707
SPDR MSCI Acwi Ex-US	ETF	78463X848	912,986	33,764	SH		SOLE		0	0	33,764
SPDR S&P 500 ETF	ETF	78462F103	2,264,282	4,764	SH		SOLE		0	0	4,764
SPDR S&P Biotech ETF	ETF	78464A870	1,094,807	12,261	SH		SOLE		0	0	12,261
SPDR S&P Dividend ETF	ETF	78464A763	2,860,145	22,887	SH		SOLE		0	0	22,887
SPDR Technology Select Sector	ETF	81369Y803	1,021,575	5,307	SH		SOLE		0	0	5,307
State Street Boston Corp	COM	857477103	464,992	6,003	SH		SOLE		0	0	6,003
Sundial Growers Inc	COM	83307B101	72,849	44,420	SH		SOLE		0	0	44,420
Sysco Inc	COM	871829107	224,802	3,074	SH		SOLE		0	0	3,074
Target Corp	COM	87612E106	291,927	2,050	SH		SOLE		0	0	2,050
TE Connectivity Ltd	COM	H84989104	217,775	1,550	SH		SOLE		0	0	1,550
Tesla Motors Inc	COM	88160R101	238,044	958	SH		SOLE		0	0	958
Thermo Fisher Scientific	COM	883556102	1,419,334	2,674	SH		SOLE		0	0	2,674
Tilray Inc	COM	88688T100	30,245	13,150	SH		SOLE		0	0	13,150
TJX Cos Inc	COM	872540109	627,870	6,693	SH		SOLE		0	0	6,693
Truist Finl Corp	COM	89832Q109	374,513	10,144	SH		SOLE		0	0	10,144
Tyson Foods Inc	COM	902494103	385,041	7,164	SH		SOLE		0	0	7,164
Unilever Plc Adr New	ADR	904767704	218,160	4,500	SH		SOLE		0	0	4,500
Union Pacific Corp	COM	907818108	2,322,262	9,455	SH		SOLE		0	0	9,455
UPS Inc	COM	911312106	241,475	1,536	SH		SOLE		0	0	1,536
Valero Energy Corp.	COM	91913Y100	255,625	1,966	SH		SOLE		0	0	1,966
Vanguard Consumer Staples ETF	ETF	92204A207	519,602	2,721	SH		SOLE		0	0	2,721
Vanguard Div Appreciation ETF	ETF	921908844	858,547	5,038	SH		SOLE		0	0	5,038
Vanguard Emerging Mkt Fd ETF	ETF	922042858	313,868	7,637	SH		SOLE		0	0	7,637
Vanguard FTSE All-World ex-USA ETF	ETF	922042775	3,227,097	57,483	SH		SOLE		0	0	57,483
Vanguard FTSE Dev Mkt ETF	ETF	921943858	281,413	5,875	SH		SOLE		0	0	5,875
Vanguard Growth ETF	ETF	922908736	1,464,617	4,711	SH		SOLE		0	0	4,711
Vanguard Mid Cap Value ETF	ETF	922908512	374,705	2,584	SH		SOLE		0	0	2,584
Vanguard Mid-Cap ETF	ETF	922908629	1,812,536	7,791	SH		SOLE		0	0	7,791
Vanguard REIT	ETF	922908553	1,615,214	18,280	SH		SOLE		0	0	18,280
Vanguard S&P 500 ETF	ETF	922908363	5,176,195	11,850	SH		SOLE		0	0	11,850
Vanguard Small-Cap Value ETF	ETF	922908611	1,418,236	7,880	SH		SOLE		0	0	7,880
Vanguard Tax-Exempt Bond ETF	ETF	922907746	4,791,278	93,855	SH		SOLE		0	0	93,855
Vanguard Total International Stock	ETF	921909768	291,910	5,036	SH		SOLE		0	0	5,036
Vanguard Value ETF	ETF	922908744	1,298,877	8,688	SH		SOLE		0	0	8,688
Verizon Communications	COM	92343V104	1,291,360	34,254	SH		SOLE		0	0	34,254
Vertex Pharmaceuticals	COM	92532F100	324,291	797	SH		SOLE		0	0	797
Visa, Inc.	COM	92826C839	1,371,003	5,266	SH		SOLE		0	0	5,266
Wal-Mart Stores	COM	931142103	638,798	4,052	SH		SOLE		0	0	4,052
Wells Fargo & Co 7.50 Pfd	PFD	949746804	332,667	278	SH		SOLE		0	0	278
Wells Fargo & Company	COM	949746101	213,123	4,330	SH		SOLE		0	0	4,330
Wynn Resorts	COM	983134107	205,453	2,255	SH		SOLE		0	0	2,255
Zynex Inc	COM	98986M103	122,131	11,215	SH		SOLE		0	0	11,215