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	298,930	2,294	SH		SOLE		2,294	0	0
Abbott Labs	COM	002824100	558,025	4,892	SH		SOLE		4,892	0	0
AbbVie Inc	COM	00287Y109	745,442	3,930	SH		SOLE		3,930	0	0
Adaptimmune Therapeutics PLC	COM	00653A107	20,610	27,957	SH		SOLE		27,957	0	0
Adobe Systems	COM	00724F101	771,588	1,604	SH		SOLE		1,604	0	0
Allstate Corp	COM	020002101	204,347	1,080	SH		SOLE		1,080	0	0
Alphabet, Inc. Cl A	COM	02079K305	9,762,072	58,554	SH		SOLE		58,554	0	0
Alphabet, Inc. Cl C	COM	02079K107	2,594,119	15,410	SH		SOLE		15,410	0	0
Altria Group Inc	COM	02209S103	213,764	4,254	SH		SOLE		4,254	0	0
Amazon.com	COM	023135106	5,220,099	27,709	SH		SOLE		27,709	0	0
American Tower Corp	COM	03027X100	460,122	2,071	SH		SOLE		2,071	0	0
Amgen Inc	COM	031162100	2,589,064	8,163	SH		SOLE		8,163	0	0
AON Corp	COM	G0403H108	390,296	1,050	SH		SOLE		1,050	0	0
Apple, Inc	COM	037833100	17,161,625	73,529	SH		SOLE		73,529	0	0
Applied Finance Valuation Lg Cap ETF	ETF	26923N405	22,329,509	612,775	SH		SOLE		612,775	0	0
Applied Materials	COM	038222105	609,583	3,289	SH		SOLE		3,289	0	0
Automatic Data Processing	COM	053015103	1,700,021	5,935	SH		SOLE		5,935	0	0
Bank Of America	COM	060505104	2,358,888	55,347	SH		SOLE		55,347	0	0
Beauty Health Company CL A ORD	ORD	88331L108	90,525	51,144	SH		SOLE		51,144	0	0
Becton Dickinson	COM	075887109	207,374	868	SH		SOLE		868	0	0
Berkshire Hathaway B	COM	084670702	2,975,600	6,490	SH		SOLE		6,490	0	0
BioRestorative Therapies Inc	COM	090655606	16,625	10,522	SH		SOLE		10,522	0	0
Blackstone Group Lp	COM	09260D107	1,052,773	6,194	SH		SOLE		6,194	0	0
Bristol Myers Squibb	COM	110122108	956,498	18,171	SH		SOLE		18,171	0	0
Broadcom Limited	COM	11135F101	5,043,464	29,319	SH		SOLE		29,319	0	0
Carrier Global Corp	COM	14448C104	354,089	4,680	SH		SOLE		4,680	0	0
ChevronTexaco Corp	COM	166764100	2,343,123	15,565	SH		SOLE		15,565	0	0
Cigna	COM	125523100	269,572	856	SH		SOLE		856	0	0
Cisco Systems	COM	17275R102	1,871,764	33,860	SH		SOLE		33,860	0	0
Citizens Financial Group	COM	174610105	954,476	22,332	SH		SOLE		22,332	0	0
Clearside Biomedical Inc	COM	185063104	30,825	28,023	SH		SOLE		28,023	0	0
Coca Cola	COM	191216100	903,499	13,552	SH		SOLE		13,552	0	0
Commercial Metals Co	COM	201723103	752,883	13,863	SH		SOLE		13,863	0	0
Conoco Phillips	COM	20825C104	358,829	3,475	SH		SOLE		3,475	0	0
Constellation Brands	COM	21036P108	547,930	2,307	SH		SOLE		2,307	0	0
Corteva Inc	COM	22052L104	268,789	4,397	SH		SOLE		4,397	0	0
Costco Whsl Corp	COM	22160K105	521,097	585	SH		SOLE		585	0	0
CVS Health Corporation	COM	126650100	608,755	10,613	SH		SOLE		10,613	0	0
Danaher Corp	COM	235851102	1,122,464	4,598	SH		SOLE		4,598	0	0
Diageo Plc	COM	25243Q205	206,872	1,551	SH		SOLE		1,551	0	0
Dimensional Emerg Core Equity Mkt ETF	ETF	25434V302	9,160,373	340,788	SH		SOLE		340,788	0	0
Dimensional International Core Equity Mkt ETF	ETF	25434V203	2,042,230	66,631	SH		SOLE		66,631	0	0
Disney Walt Co	COM	254687106	791,090	8,223	SH		SOLE		8,223	0	0
Dominion Res Inc Va	COM	25746U109	258,516	4,300	SH		SOLE		4,300	0	0
Dow Chemical	COM	260557103	223,221	4,455	SH		SOLE		4,455	0	0
Du Pont E I De Nemours	COM	26614N102	442,290	5,271	SH		SOLE		5,271	0	0
Emerson Electric	COM	291011104	1,274,582	11,730	SH		SOLE		11,730	0	0
ETFS Phys. Swiss Gold Shares	ETF	00326A104	11,932,216	455,776	SH		SOLE		455,776	0	0
Exxon-Mobil	COM	30231G102	2,038,717	17,146	SH		SOLE		17,146	0	0
First Trust Preferred Sec & Inc ETF	ETF	33739E108	5,881,231	327,098	SH		SOLE		327,098	0	0
Fiserv Inc	COM	337738108	2,692,381	13,367	SH		SOLE		13,367	0	0
GE Vernova Llc Com	COM	36828A101	288,652	998	SH		SOLE		998	0	0
General Electric	COM	369604301	702,668	4,007	SH		SOLE		4,007	0	0
Goldman Sachs ActiveBeta Intl Eq ETF	ETF	381430107	5,543,841	158,758	SH		SOLE		158,758	0	0
Goldman Sachs Group	COM	38141G104	461,500	881	SH		SOLE		881	0	0
HACK- Cyber Security ETF	ETF	032108664	398,323	5,668	SH		SOLE		5,668	0	0
Hewlett Packard	COM	40434L105	840,179	22,453	SH		SOLE		22,453	0	0
Home Depot	COM	437076102	2,016,632	5,005	SH		SOLE		5,005	0	0
Illinois Tool Works	COM	452308109	904,953	3,523	SH		SOLE		3,523	0	0
Incyte Genomics Inc	COM	45337C102	329,895	5,022	SH		SOLE		5,022	0	0
Intel Corp	COM	458140100	261,723	11,419	SH		SOLE		11,419	0	0
International Business Machines	COM	459200101	2,251,538	10,575	SH		SOLE		10,575	0	0
Intuit Inc.	COM	461202103	367,254	600	SH		SOLE		600	0	0
Invesco Biotech & Genomics ETF	ETF	46137V787	780,551	11,422	SH		SOLE		11,422	0	0
Invesco S&P 500 Low Volatility ETF	ETF	46138E354	288,712	4,028	SH		SOLE		4,028	0	0
iShare Core MSCI Emerging Markets	ETF	46434G103	1,329,152	23,512	SH		SOLE		23,512	0	0
iShares Core S&P 500 ETF	ETF	464287200	787,344	1,349	SH		SOLE		1,349	0	0
iShares iBonds Dec 2025 Corp Bd ETF	ETF	46434VBD1	1,090,663	43,487	SH		SOLE		43,487	0	0
iShares iBonds Dec 2025 Muni Bd ETF	ETF	46435U432	2,010,281	75,546	SH		SOLE		75,546	0	0
iShares iBonds Dec 2026 Corp Bd ETF	ETF	46435GAA0	500,178	20,720	SH		SOLE		20,720	0	0
iShares iBonds Dec 2026 Muni Bd ETF	ETF	46435U259	3,035,649	118,719	SH		SOLE		118,719	0	0
iShares iBonds Dec 2027 Corp Bd ETF	ETF	46435UAA9	378,313	15,698	SH		SOLE		15,698	0	0
iShares iBonds Dec 2027 Muni Bd ETF	ETF	46435U283	1,794,044	70,995	SH		SOLE		70,995	0	0
iShares iBonds Dec 2028 Muni Bd ETF	ETF	46435U325	997,141	39,366	SH		SOLE		39,366	0	0
iShares iBonds Dec 2029 Corp Bd ETF	ETF	46436E205	3,292,140	142,702	SH		SOLE		142,702	0	0
iShares iBonds Dec 2030 Corp Bd ETF	ETF	46436E726	418,421	19,318	SH		SOLE		19,318	0	0
iShares iBonds Ded 2031 Term Corp ETF	ETF	46436E486	305,870	14,776	SH		SOLE		14,776	0	0
iShares MSCI USA Momentum	ETF	46432F396	309,125	1,497	SH		SOLE		1,497	0	0
iShares Russell 2000 Index Fund ETF	ETF	464287655	289,865	1,303	SH		SOLE		1,303	0	0
iShares S & P Nat'l AMT-Free Muni Bd	ETF	464288414	559,195	5,222	SH		SOLE		5,222	0	0
iShares S&P 500 Barra Gr. Fd.	ETF	464287309	547,189	5,603	SH		SOLE		5,603	0	0
iShares S&P Midcap 400 Index ETF	ETF	464287507	4,118,357	65,642	SH		SOLE		65,642	0	0
iShares S&P Smallcap 600 Index ETF	ETF	464287804	3,038,264	26,147	SH		SOLE		26,147	0	0
J P Morgan Chase & Co	COM	46625H100	5,312,952	23,561	SH		SOLE		23,561	0	0
J.P. Morgan Municipal ETF	ETF	46641Q647	4,413,316	87,358	SH		SOLE		87,358	0	0
JH/DFA Small Cap Multifactor ETF	ETF	47804J842	1,552,603	38,699	SH		SOLE		38,699	0	0
Johnson & Johnson	COM	478160104	3,946,644	24,422	SH		SOLE		24,422	0	0
Kinder Morgan Inc	COM	49456B101	328,439	13,244	SH		SOLE		13,244	0	0
KLA Tencor Corp	COM	482480100	818,373	1,214	SH		SOLE		1,214	0	0
L3Harris Technologies Inc	COM	502431109	2,210,869	8,914	SH		SOLE		8,914	0	0
Lilly Eli & Co	COM	532457108	1,188,448	1,327	SH		SOLE		1,327	0	0
LKQ Corp	COM	501889208	438,540	11,614	SH		SOLE		11,614	0	0
Lockheed Martin Corp	COM	539830109	691,259	1,245	SH		SOLE		1,245	0	0
Lowes Companies	COM	548661107	3,211,930	11,986	SH		SOLE		11,986	0	0
Mastercard Inc	COM	57636Q104	1,738,926	3,422	SH		SOLE		3,422	0	0
McDonalds Corp	COM	580135101	1,496,565	5,043	SH		SOLE		5,043	0	0
Medtronic plc	COM	G5960L103	1,431,118	15,796	SH		SOLE		15,796	0	0
Merck & Co Inc	COM	58933Y105	5,405,409	51,860	SH		SOLE		51,860	0	0
Meta Platforms Cl A	COM	30303M102	2,941,569	5,088	SH		SOLE		5,088	0	0
Microsoft Corp	COM	594918104	13,227,726	31,008	SH		SOLE		31,008	0	0
MLCO	COM	585464100	93,351	13,355	SH		SOLE		13,355	0	0
Mondelez Intl Inc Cl A	COM	609207105	1,078,009	15,502	SH		SOLE		15,502	0	0
Morgan Stanley Group	COM	617446448	277,335	2,328	SH		SOLE		2,328	0	0
MPLX LP	COM	55336V100	363,291	8,300	SH		SOLE		8,300	0	0
NextEra Energy Inc.	COM	65339F101	1,407,026	16,979	SH		SOLE		16,979	0	0
Nike Inc Class B	COM	654106103	398,890	5,055	SH		SOLE		5,055	0	0
NIO, Inc.Adr	ADR	62914V106	58,815	10,123	SH		SOLE		10,123	0	0
Northrop Grumman Corp	COM	666807102	283,219	553	SH		SOLE		553	0	0
Novartis ADR	ADR	66987V109	427,715	3,699	SH		SOLE		3,699	0	0
Nvidia Corp	COM	67066G104	10,192,984	72,538	SH		SOLE		72,538	0	0
Oncolytics Biotech	COM	682310875	26,858	22,015	SH		SOLE		22,015	0	0
Oracle Systems	COM	68389X105	1,242,459	7,206	SH		SOLE		7,206	0	0
Ovid Therapeutics Inc	COM	690469101	19,331	16,522	SH		SOLE		16,522	0	0
Palantir Technologies Inc Ordinary Shares - Class	COM	69608A108	243,468	5,414	SH		SOLE		5,414	0	0
Palo Alto Networks Inc	COM	697435105	2,616,167	7,220	SH		SOLE		7,220	0	0
Paychex Inc	COM	704326107	201,147	1,434	SH		SOLE		1,434	0	0
Paypal Holdings, Inc.	COM	70450Y103	445,117	5,325	SH		SOLE		5,325	0	0
Pepsico	COM	713448108	2,883,359	16,977	SH		SOLE		16,977	0	0
Pfizer Inc	COM	717081103	523,538	18,141	SH		SOLE		18,141	0	0
Philip Morris Intl Inc	COM	718172109	254,475	1,950	SH		SOLE		1,950	0	0
Pimco Intermediate Muni ETF	ETF	72201R866	635,491	12,202	SH		SOLE		12,202	0	0
PPG Inds Inc	COM	693506107	244,570	1,920	SH		SOLE		1,920	0	0
Procter & Gamble Inc	COM	742718109	3,566,279	21,065	SH		SOLE		21,065	0	0
Proshares S&P 500 Div Aristocrats	ETF	74348A467	6,579,954	62,393	SH		SOLE		62,393	0	0
Public Svc Enterprise	COM	744573106	651,761	7,208	SH		SOLE		7,208	0	0
Qualcomm Corp	COM	747525103	1,441,245	8,369	SH		SOLE		8,369	0	0
Quanta Services Inc	COM	74762E102	3,379,487	10,785	SH		SOLE		10,785	0	0
Real Estate Sector SPDR	ETF	81369Y860	257,690	5,829	SH		SOLE		5,829	0	0
Regeneron Pharm	COM	75886F107	345,443	372	SH		SOLE		372	0	0
Roper Technologies, Inc	COM	776696106	1,026,560	1,883	SH		SOLE		1,883	0	0
RTX Corp.	COM	75513E101	2,690,827	21,453	SH		SOLE		21,453	0	0
S&P 400 Mid-Cap SPDR ETF	ETF	78467Y107	431,785	753	SH		SOLE		753	0	0
Salesforce Com	COOM	79466L302	1,149,645	3,913	SH		SOLE		3,913	0	0
Sch Fundamental US Large Co ETF	ETF	808524771	458,028	19,100	SH		SOLE		19,100	0	0
Schwab Dow Jones US Broad Mkt ETF	ETF	808524102	1,605,552	71,485	SH		SOLE		71,485	0	0
Schwab Dow Jones US Div Eq ETF	ETF	808524797	22,215,664	784,451	SH		SOLE		784,451	0	0
Schwab Dow Jones US Large Cap ETF	ETF	808524201	34,362,641	1,498,589	SH		SOLE		1,498,589	0	0
Schwab Dow Jones US Large Growth ETF	ETF	808524300	6,969,440	261,911	SH		SOLE		261,911	0	0
Schwab Dow Jones US Large Value ETF	ETF	808524409	4,908,064	182,592	SH		SOLE		182,592	0	0
Schwab Dow Jones US Mid-Cap ETF	ETF	808524508	7,484,827	268,081	SH		SOLE		268,081	0	0
Schwab Dow Jones US Sm-Cap ETF	ETF	808524607	4,626,560	178,219	SH		SOLE		178,219	0	0
Schwab FTSE Developed ex-US ETF	ETF	808524805	6,167,817	310,878	SH		SOLE		310,878	0	0
Schwab US AGG Bnd ETF	ETF	808524839	391,281	16,939	SH		SOLE		16,939	0	0
Sector Spdr Engy Select	ETF	81369Y506	298,820	3,350	SH		SOLE		3,350	0	0
SoFi Technologies ORD	ORD	83406F102	205,594	18,373	SH		SOLE		18,373	0	0
SPDR Gold Shares	ETF	78463V107	2,838,309	11,204	SH		SOLE		11,204	0	0
SPDR MSCI Acwi Ex-US	ETF	78463X848	1,083,584	36,509	SH		SOLE		36,509	0	0
SPDR S&P 500 ETF	ETF	78462F103	2,632,777	4,533	SH		SOLE		4,533	0	0
SPDR S&P Biotech ETF	ETF	78464A870	1,069,210	10,856	SH		SOLE		10,856	0	0
SPDR S&P Dividend ETF	ETF	78464A763	2,865,918	20,417	SH		SOLE		20,417	0	0
SPDR Technology Select Sector	ETF	81369Y803	1,179,098	5,122	SH		SOLE		5,122	0	0
Starbucks Corp	COM	855244109	207,643	2,118	SH		SOLE		2,118	0	0
State Street Boston Corp	COM	857477103	557,880	6,000	SH		SOLE		6,000	0	0
Sundial Growers Inc	COM	83307B101	120,268	54,420	SH		SOLE		54,420	0	0
Sysco Inc	COM	871829107	215,913	2,875	SH		SOLE		2,875	0	0
T. Rowe Price Dividend Growth ETF	ETF	87283Q404	231,891	5,721	SH		SOLE		5,721	0	0
Taiwan Semiconductr Adrf	ADR	874039100	226,997	1,166	SH		SOLE		1,166	0	0
Target Corp	COM	87612E106	397,691	2,664	SH		SOLE		2,664	0	0
TE Connectivity Ltd	COM	G87052109	236,112	1,565	SH		SOLE		1,565	0	0
Tesla Motors Inc	COM	88160R101	287,711	1,096	SH		SOLE		1,096	0	0
Thermo Fisher Scientific	COM	883556102	1,375,282	2,489	SH		SOLE		2,489	0	0
Tilray Inc	COM	88688T100	27,940	16,150	SH		SOLE		16,150	0	0
TJX Cos Inc	COM	872540109	722,354	6,327	SH		SOLE		6,327	0	0
Truist Finl Corp	COM	89832Q109	497,890	11,501	SH		SOLE		11,501	0	0
Tyson Foods Inc	COM	902494103	424,042	7,163	SH		SOLE		7,163	0	0
Unilever Plc Adr New	ADR	904767704	262,668	4,200	SH		SOLE		4,200	0	0
Union Pacific Corp	COM	907818108	2,203,731	9,500	SH		SOLE		9,500	0	0
Valero Energy Corp.	COM	91913Y100	262,470	1,985	SH		SOLE		1,985	0	0
Vanguard Consumer Staples ETF	ETF	92204A207	585,314	2,721	SH		SOLE		2,721	0	0
Vanguard Growth ETF	ETF	922908736	1,621,422	4,125	SH		SOLE		4,125	0	0
Vanguard Mid Cap Value ETF	ETF	922908512	309,470	1,841	SH		SOLE		1,841	0	0
Vanguard Mid-Cap ETF	ETF	922908629	3,428,763	12,856	SH		SOLE		12,856	0	0
Vanguard REIT	ETF	922908553	1,073,760	11,180	SH		SOLE		11,180	0	0
Vanguard S&P 500 ETF	ETF	922908363	6,813,112	12,761	SH		SOLE		12,761	0	0
Vanguard Small-Cap Value ETF	ETF	922908611	1,540,039	7,652	SH		SOLE		7,652	0	0
Vanguard Tax-Exempt Bond ETF	ETF	922907746	7,356,715	146,112	SH		SOLE		146,112	0	0
Vanguard Total International Stock	ETF	921909768	316,248	5,036	SH		SOLE		5,036	0	0
Vanguard Value ETF	ETF	922908744	1,341,294	7,683	SH		SOLE		7,683	0	0
Verizon Communications	COM	92343V104	1,291,830	31,039	SH		SOLE		31,039	0	0
Vertex Pharmaceuticals	COM	92532F100	364,899	766	SH		SOLE		766	0	0
VictoryShares Core Intermediate Bond ETF	ETF	92647N527	16,205,178	346,932	SH		SOLE		346,932	0	0
Visa, Inc.	COM	92826C839	1,479,777	5,207	SH		SOLE		5,207	0	0
Wal-Mart Stores	COM	931142103	1,001,772	12,106	SH		SOLE		12,106	0	0
Wells Fargo & Co 7.50 Pfd	PFD	949746804	348,744	286	SH		SOLE		286	0	0
Wells Fargo & Company	COM	949746101	264,408	4,030	SH		SOLE		4,030	0	0
Wynn Resorts	COM	983134107	243,197	2,466	SH		SOLE		2,466	0	0
Zynex Inc	COM	98986M103	108,469	12,215	SH		SOLE		12,215	0	0