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	243,180	2,293	SH		SOLE		2,293	0	0
Abbott Labs	COM	002824100	557,574	4,906	SH		SOLE		4,906	0	0
AbbVie Inc	COM	00287Y109	715,653	3,930	SH		SOLE		3,930	0	0
Adobe Systems	COM	00724F101	427,901	848	SH		SOLE		848	0	0
Alphabet, Inc. Cl A	COM	02079K305	8,987,731	59,549	SH		SOLE		59,549	0	0
Alphabet, Inc. Cl C	COM	02079K107	2,393,070	15,717	SH		SOLE		15,717	0	0
Amazon.com	COM	023135106	4,599,870	25,501	SH		SOLE		25,501	0	0
American Tower Corp	COM	03027X100	408,387	2,067	SH		SOLE		2,067	0	0
Amgen Inc	COM	031162100	2,525,301	8,882	SH		SOLE		8,882	0	0
AON Corp	ADR	G0403H108	423,491	1,269	SH		SOLE		1,269	0	0
Apple, Inc	COM	037833100	10,986,037	64,066	SH		SOLE		64,066	0	0
Applied Finance Valuation Lg Cap ETF	ETF	26923N405	17,133,032	525,714	SH		SOLE		525,714	0	0
Applied Materials	COM	038222105	662,205	3,211	SH		SOLE		3,211	0	0
Automatic Data Processing	COM	053015103	1,483,955	5,942	SH		SOLE		5,942	0	0
Avantis US Small Cap Value ETF	ETF	025072877	295,187	3,150	SH		SOLE		3,150	0	0
Bank Of America	COM	060505104	2,155,277	56,837	SH		SOLE		56,837	0	0
Becton Dickinson	COM	075887109	241,264	975	SH		SOLE		975	0	0
Berkshire Hathaway B	COM	084670702	2,777,535	6,605	SH		SOLE		6,605	0	0
Blackstone Group Lp	COM	09260D107	1,023,190	7,789	SH		SOLE		7,789	0	0
Bristol Myers Squibb	COM	110122108	1,106,034	20,395	SH		SOLE		20,395	0	0
Broadcom Limited	COM	11135F101	4,100,850	3,094	SH		SOLE		3,094	0	0
Carrier Global Corp	COM	14448C104	272,862	4,694	SH		SOLE		4,694	0	0
ChevronTexaco Corp	COM	166764100	2,395,225	15,185	SH		SOLE		15,185	0	0
Cigna	COM	125523100	310,891	856	SH		SOLE		856	0	0
Cisco Systems	COM	17275R102	1,823,198	36,530	SH		SOLE		36,530	0	0
Citizens Financial Group	COM	174610105	841,624	23,192	SH		SOLE		23,192	0	0
Coca Cola	COM	191216100	831,773	13,596	SH		SOLE		13,596	0	0
Commercial Metals Co	COM	201723103	822,997	14,004	SH		SOLE		14,004	0	0
Conoco Phillips	COM	20825C104	442,298	3,475	SH		SOLE		3,475	0	0
Constellation Brands	COM	21036P108	552,524	2,033	SH		SOLE		2,033	0	0
Costco Whsl Corp	COM	22160K105	413,771	565	SH		SOLE		565	0	0
CVS Health Corporation	COM	126650100	1,574,018	19,734	SH		SOLE		19,734	0	0
Danaher Corp	COM	235851102	1,126,986	4,513	SH		SOLE		4,513	0	0
Diageo Plc	ADR	25243Q205	230,696	1,551	SH		SOLE		1,551	0	0
Dimensional Emerg Core Equity Mkt ETF	ETF	25434V302	7,072,746	286,114	SH		SOLE		286,114	0	0
Dimensional International Core Equity Mkt ETF	ETF	25434V203	1,554,705	51,446	SH		SOLE		51,446	0	0
Disney Walt Co	COM	254687106	1,149,767	9,397	SH		SOLE		9,397	0	0
Dominion Res Inc Va	COM	25746U109	211,517	4,300	SH		SOLE		4,300	0	0
Du Pont E I De Nemours	ADR	26614N102	279,539	3,646	SH		SOLE		3,646	0	0
Emerson Electric	COM	291011104	1,416,049	12,485	SH		SOLE		12,485	0	0
ETFS Phys. Swiss Gold Shares	ETF	00326A104	10,128,273	476,849	SH		SOLE		476,849	0	0
Exxon-Mobil	COM	30231G102	1,586,261	13,646	SH		SOLE		13,646	0	0
First Trust Preferred Sec & Inc ETF	ETF	33739E108	5,722,510	330,399	SH		SOLE		330,399	0	0
First Trust TCWOpportunistic Fxd Inc ETF	ETF	33740F805	6,530,699	149,787	SH		SOLE		149,787	0	0
Fiserv Inc	COM	337738108	2,093,482	13,099	SH		SOLE		13,099	0	0
General Electric	COM	369604301	538,877	3,070	SH		SOLE		3,070	0	0
Global Payments, Inc.	COM	37940X102	570,649	4,269	SH		SOLE		4,269	0	0
Goldman Sachs ActiveBeta Intl Eq ETF	ETF	381430107	5,034,993	146,836	SH		SOLE		146,836	0	0
Goldman Sachs Group	COM	38141G104	366,888	878	SH		SOLE		878	0	0
HACK- ETFMG Prime Cyber Security ETF	ETF	032108664	347,238	5,416	SH		SOLE		5,416	0	0
Hewlett Packard	COM	40434L105	634,113	20,983	SH		SOLE		20,983	0	0
Home Depot	COM	437076102	1,922,005	5,010	SH		SOLE		5,010	0	0
Illinois Tool Works	COM	452308109	910,444	3,393	SH		SOLE		3,393	0	0
Incyte Genomics Inc	COM	45337C102	239,103	4,197	SH		SOLE		4,197	0	0
Intel Corp	COM	458140100	669,827	15,165	SH		SOLE		15,165	0	0
International Business Machines	COM	459200101	1,988,701	10,414	SH		SOLE		10,414	0	0
Intuit Inc.	COM	461202103	390,000	600	SH		SOLE		600	0	0
Invesco Biotech & Genomics ETF	ETF	46137V787	730,121	11,282	SH		SOLE		11,282	0	0
Invesco S&P 500 Low Volatility ETF	ETF	46138E354	265,348	4,028	SH		SOLE		4,028	0	0
iShare Core MSCI EAFE	ETF	46432F842	206,406	2,781	SH		SOLE		2,781	0	0
iShare Core MSCI Emerging Markets	ETF	46434G103	1,942,764	37,650	SH		SOLE		37,650	0	0
iShares Core S&P 500 ETF	ETF	464287200	709,210	1,349	SH		SOLE		1,349	0	0
iShares iBonds Dec 2024 Corp Bd ETF	ETF	46434VBG4	730,630	29,167	SH		SOLE		29,167	0	0
iShares iBonds Dec 2024 Muni Bd ETF	ETF	46435U697	3,030,792	116,794	SH		SOLE		116,794	0	0
iShares iBonds Dec 2025 Corp Bd ETF	ETF	46434VBD1	1,350,929	54,451	SH		SOLE		54,451	0	0
iShares iBonds Dec 2025 Muni Bd ETF	ETF	46435U432	3,042,921	115,001	SH		SOLE		115,001	0	0
iShares iBonds Dec 2026 Corp Bd ETF	ETF	46435GAA0	457,968	19,202	SH		SOLE		19,202	0	0
iShares iBonds Dec 2026 Muni Bd ETF	ETF	46435U259	3,038,794	119,874	SH		SOLE		119,874	0	0
iShares iBonds Dec 2027 Corp Bd ETF	ETF	46435UAA9	289,093	12,147	SH		SOLE		12,147	0	0
iShares iBonds Dec 2027 Muni Bd ETF	ETF	46435U283	1,643,525	65,297	SH		SOLE		65,297	0	0
iShares iBonds Dec 2028 Muni Bd ETF	ETF	46435U325	926,803	36,676	SH		SOLE		36,676	0	0
iShares iBonds Dec 2029 Corp Bd ETF	ETF	43436E205	3,017,471	132,229	SH		SOLE		132,229	0	0
iShares iBonds Dec 2030 Corp Bd ETF	ETF	46436E726	284,693	13,303	SH		SOLE		13,303	0	0
iShares MSCI USA Momentum	ETF	46432F396	278,932	1,489	SH		SOLE		1,489	0	0
iShares Russell 2000 Index Fund ETF	ETF	464287655	268,133	1,275	SH		SOLE		1,275	0	0
iShares S & P Nat'l AMT-Free Muni Bd	ETF	464288414	502,840	4,673	SH		SOLE		4,673	0	0
iShares S&P 500 Barra Gr. Fd.	ETF	464287309	495,578	5,869	SH		SOLE		5,869	0	0
iShares S&P Midcap 400 Index ETF	ETF	464287507	3,898,080	64,176	SH		SOLE		64,176	0	0
iShares S&P Smallcap 600 Index ETF	ETF	464287804	3,127,328	28,296	SH		SOLE		28,296	0	0
J P Morgan Chase & Co	COM	46625H100	4,932,863	24,627	SH		SOLE		24,627	0	0
J.P. Morgan Municipal ETF	ETF	46641Q647	2,631,347	51,859	SH		SOLE		51,859	0	0
Johnson & Johnson	COM	478160104	3,896,001	24,629	SH		SOLE		24,629	0	0
Kinder Morgan Inc	COM	49456B101	241,586	13,173	SH		SOLE		13,173	0	0
KLA Tencor Corp	COM	482480100	845,914	1,211	SH		SOLE		1,211	0	0
L3Harris Technologies Inc	COM	502431109	1,882,327	8,833	SH		SOLE		8,833	0	0
Lilly Eli & Co	COM	532457108	1,085,254	1,395	SH		SOLE		1,395	0	0
LKQ Corp	COM	501889208	484,496	9,071	SH		SOLE		9,071	0	0
Lockheed Martin Corp	COM	539830109	592,679	1,303	SH		SOLE		1,303	0	0
Lowes Companies	COM	548661107	3,035,892	11,918	SH		SOLE		11,918	0	0
Mastercard Inc	COM	57636Q104	1,567,593	3,255	SH		SOLE		3,255	0	0
McDonalds Corp	COM	580135101	1,466,386	5,201	SH		SOLE		5,201	0	0
Medtronic plc	ADR	G5960L103	1,758,600	20,179	SH		SOLE		20,179	0	0
Merck & Co Inc	COM	58933Y105	6,967,230	52,802	SH		SOLE		52,802	0	0
Meta Platforms Cl A	COM	30303M102	1,737,528	3,578	SH		SOLE		3,578	0	0
Microsoft Corp	COM	594918104	12,737,332	30,275	SH		SOLE		30,275	0	0
Mondelez Intl Inc Cl A	COM	609207105	1,011,290	14,447	SH		SOLE		14,447	0	0
Morgan Stanley Group	COM	617446448	219,204	2,328	SH		SOLE		2,328	0	0
MPLX LP	COM	55336V100	344,948	8,300	SH		SOLE		8,300	0	0
NextEra Energy Inc.	COM	65339F101	1,086,174	16,995	SH		SOLE		16,995	0	0
Nike Inc Class B	COM	654106103	538,480	5,730	SH		SOLE		5,730	0	0
Northrop Grumman Corp	COM	666807102	264,699	553	SH		SOLE		553	0	0
Novartis A G	ADR	66987V109	357,804	3,699	SH		SOLE		3,699	0	0
Nvidia Corp	COM	67066G104	6,660,779	7,372	SH		SOLE		7,372	0	0
Oracle Systems	COM	68389X105	887,686	7,067	SH		SOLE		7,067	0	0
Palo Alto Networks Inc	COM	697435105	2,005,674	7,059	SH		SOLE		7,059	0	0
Paypal Holdings, Inc.	COM	70450Y103	329,993	4,926	SH		SOLE		4,926	0	0
Pepsico	COM	713448108	3,112,014	17,782	SH		SOLE		17,782	0	0
Pfizer Inc	COM	717081103	560,846	20,211	SH		SOLE		20,211	0	0
Phillips 66	COM	718546104	220,836	1,352	SH		SOLE		1,352	0	0
Pimco Intermediate Muni ETF	ETF	72201R866	580,343	11,060	SH		SOLE		11,060	0	0
PPG Inds Inc	COM	693506107	278,208	1,920	SH		SOLE		1,920	0	0
Procter & Gamble Inc	COM	742718109	3,500,998	21,578	SH		SOLE		21,578	0	0
Proshares S&P 500 Div Aristocrats	ETF	74348A467	7,996,234	78,851	SH		SOLE		78,851	0	0
Public Svc Enterprise	COM	744573106	419,341	6,279	SH		SOLE		6,279	0	0
Qualcomm Corp	COM	747525103	1,416,163	8,365	SH		SOLE		8,365	0	0
Quanta Services Inc	COM	74762E102	2,797,114	10,766	SH		SOLE		10,766	0	0
Real Estate Sector SPDR	ETF	81369Y860	210,947	5,336	SH		SOLE		5,336	0	0
Regeneron Pharm	COM	75886F107	460,070	478	SH		SOLE		478	0	0
Roper Technologies, Inc	COM	776696106	943,934	1,683	SH		SOLE		1,683	0	0
RTX Corp.	COM	75513E101	2,036,127	20,877	SH		SOLE		20,877	0	0
S&P 400 Mid-Cap SPDR ETF	ETF	78467Y107	434,548	781	SH		SOLE		781	0	0
Salesforce Com	COM	79466L302	1,214,057	4,031	SH		SOLE		4,031	0	0
Sch Fundamental US Large Co ETF	ETF	808524771	411,755	6,110	SH		SOLE		6,110	0	0
Schwab Dow Jones US Broad Mkt ETF	ETF	808524102	1,258,988	20,622	SH		SOLE		20,622	0	0
Schwab Dow Jones US Div Eq ETF	ETF	808524797	19,948,220	247,404	SH		SOLE		247,404	0	0
Schwab Dow Jones US Large Cap ETF	ETF	808524201	29,754,396	479,446	SH		SOLE		479,446	0	0
Schwab Dow Jones US Large Growth ETF	ETF	808524300	6,416,735	69,206	SH		SOLE		69,206	0	0
Schwab Dow Jones US Large Value ETF	ETF	808524409	5,275,277	69,430	SH		SOLE		69,430	0	0
Schwab Dow Jones US Mid-Cap ETF	ETF	808524508	6,884,239	84,542	SH		SOLE		84,542	0	0
Schwab Dow Jones US Sm-Cap ETF	ETF	808524607	4,368,736	88,723	SH		SOLE		88,723	0	0
Schwab FTSE Developed ex-US ETF	ETF	808524805	5,834,027	149,514	SH		SOLE		149,514	0	0
Schwab US AGG Bnd ETF	ETF	808524839	583,940	12,694	SH		SOLE		12,694	0	0
Sector Spdr Engy Select	ETF	81369Y506	335,628	3,555	SH		SOLE		3,555	0	0
SPDR Gold Shares	ETF	78463V107	2,417,621	11,752	SH		SOLE		11,752	0	0
SPDR MSCI Acwi Ex-US	ETF	78463X848	980,046	34,509	SH		SOLE		34,509	0	0
SPDR S&P 500 ETF	ETF	78462F103	2,344,567	4,482	SH		SOLE		4,482	0	0
SPDR S&P Biotech ETF	ETF	78464A870	1,163,470	12,261	SH		SOLE		12,261	0	0
SPDR S&P Dividend ETF	ETF	78464A763	2,776,453	21,156	SH		SOLE		21,156	0	0
SPDR Technology Select Sector	ETF	81369Y803	1,088,860	5,228	SH		SOLE		5,228	0	0
State Street Boston Corp	COM	857477103	464,075	6,002	SH		SOLE		6,002	0	0
Sysco Inc	COM	871829107	243,459	2,999	SH		SOLE		2,999	0	0
Target Corp	COM	87612E106	376,242	2,123	SH		SOLE		2,123	0	0
TE Connectivity Ltd	COM	H84989104	225,122	1,550	SH		SOLE		1,550	0	0
Thermo Fisher Scientific	COM	883556102	1,507,663	2,594	SH		SOLE		2,594	0	0
TJX Cos Inc	COM	872540109	617,952	6,093	SH		SOLE		6,093	0	0
Truist Finl Corp	COM	89832Q109	386,052	9,904	SH		SOLE		9,904	0	0
Tyson Foods Inc	COM	902494103	398,042	6,778	SH		SOLE		6,778	0	0
Unilever Plc Adr New	ADR	904767704	210,798	4,200	SH		SOLE		4,200	0	0
Union Pacific Corp	COM	907818108	2,330,111	9,475	SH		SOLE		9,475	0	0
Valero Energy Corp.	COM	91913Y100	262,703	1,539	SH		SOLE		1,539	0	0
Vanguard Consumer Staples ETF	ETF	92204A207	555,465	2,721	SH		SOLE		2,721	0	0
Vanguard Div Appreciation ETF	ETF	921908844	921,439	5,046	SH		SOLE		5,046	0	0
Vanguard FTSE All-World ex-USA ETF	ETF	922042775	3,116,514	53,137	SH		SOLE		53,137	0	0
Vanguard FTSE Dev Mkt ETF	ETF	921943858	294,749	5,875	SH		SOLE		5,875	0	0
Vanguard Growth ETF	ETF	922908736	1,501,412	4,362	SH		SOLE		4,362	0	0
Vanguard Mid Cap Value ETF	ETF	922908512	404,055	2,592	SH		SOLE		2,592	0	0
Vanguard Mid-Cap ETF	ETF	922908629	2,225,694	8,908	SH		SOLE		8,908	0	0
Vanguard REIT	ETF	922908553	932,034	10,777	SH		SOLE		10,777	0	0
Vanguard S&P 500 ETF	ETF	922908363	6,027,569	12,539	SH		SOLE		12,539	0	0
Vanguard Small-Cap Value ETF	ETF	922908611	1,504,447	7,841	SH		SOLE		7,841	0	0
Vanguard Tax-Exempt Bond ETF	ETF	922907746	5,324,743	105,232	SH		SOLE		105,232	0	0
Vanguard Total International Stock	ETF	921909768	298,584	4,952	SH		SOLE		4,952	0	0
Vanguard Value ETF	ETF	922908744	1,344,980	8,259	SH		SOLE		8,259	0	0
Verizon Communications	COM	92343V104	1,389,632	33,118	SH		SOLE		33,118	0	0
Vertex Pharmaceuticals	COM	92532F100	333,154	797	SH		SOLE		797	0	0
VictoryShares Core Intermediate Bond ETF	ETF	92647N527	3,787,064	81,653	SH		SOLE		81,653	0	0
Visa, Inc.	COM	92826C839	1,417,447	5,079	SH		SOLE		5,079	0	0
Wal-Mart Stores	COM	931142103	734,134	12,201	SH		SOLE		12,201	0	0
Wells Fargo & Co 7.50 Pfd	PFD	949746804	342,353	281	SH		SOLE		281	0	0
Wells Fargo & Company	COM	949746101	221,987	3,830	SH		SOLE		3,830	0	0
Wynn Resorts	COM	983134107	230,529	2,255	SH		SOLE		2,255	0	0