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

OMB Number:		3235-0006
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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	296,274	2,295	SH		SOLE		2,295	0	0
Abbott Labs	COM	002824100	553,345	4,892	SH		SOLE		4,892	0	0
AbbVie Inc	COM	00287Y109	690,365	3,885	SH		SOLE		3,885	0	0
Adaptimmune Therapeutics PLC	COM	00653A107	15,060	27,957	SH		SOLE		27,957	0	0
Adobe Systems	COM	00724F101	735,945	1,655	SH		SOLE		1,655	0	0
Alphabet, Inc. Cl A	COM	02079K305	10,874,230	57,444	SH		SOLE		57,444	0	0
Alphabet, Inc. Cl C	COM	02079K107	2,927,825	15,374	SH		SOLE		15,374	0	0
Altria Group Inc	COM	02209S103	222,442	4,254	SH		SOLE		4,254	0	0
Amazon.com	COM	023135106	6,055,822	27,603	SH		SOLE		27,603	0	0
American Tower Corp	COM	03027X100	379,763	2,071	SH		SOLE		2,071	0	0
Amgen Inc	COM	031162100	2,086,112	8,004	SH		SOLE		8,004	0	0
AON Corp	COM	G0403H108	377,118	1,050	SH		SOLE		1,050	0	0
Apple, Inc	COM	037833100	18,047,208	72,068	SH		SOLE		72,068	0	0
Applied Materials	COM	038222105	721,462	4,436	SH		SOLE		4,436	0	0
Automatic Data Processing	COM	053015103	1,727,107	5,900	SH		SOLE		5,900	0	0
Bank Of America	COM	060505104	2,387,660	54,327	SH		SOLE		54,327	0	0
Beauty Health Company CL A ORD	COM	88331L108	113,119	71,144	SH		SOLE		71,144	0	0
Berkshire Hathaway B	COM	084670702	2,897,366	6,392	SH		SOLE		6,392	0	0
BioRestorative Therapies Inc	COM	090655606	16,476	11,522	SH		SOLE		11,522	0	0
Blackstone Group Lp	COM	09260D107	1,066,256	6,184	SH		SOLE		6,184	0	0
Bristol Myers Squibb	COM	110122108	998,118	17,647	SH		SOLE		17,647	0	0
Broadcom Limited	COM	11135F101	6,740,419	29,074	SH		SOLE		29,074	0	0
Carrier Global Corp	COM	14448C104	319,457	4,680	SH		SOLE		4,680	0	0
ChevronTexaco Corp	COM	166764100	2,173,905	15,009	SH		SOLE		15,009	0	0
Cigna	COM	125523100	236,376	856	SH		SOLE		856	0	0
Cisco Systems	COM	17275R102	1,942,275	32,809	SH		SOLE		32,809	0	0
Citizens Financial Group	COM	174610105	977,717	22,343	SH		SOLE		22,343	0	0
Clearside Biomedical Inc	COM	185063104	28,617	30,123	SH		SOLE		30,123	0	0
Coca Cola	COM	191216100	843,872	13,554	SH		SOLE		13,554	0	0
Commercial Metals Co	COM	201723103	687,792	13,867	SH		SOLE		13,867	0	0
Conoco Phillips	COM	20825C104	337,674	3,405	SH		SOLE		3,405	0	0
Constellation Brands	COM	21036P108	388,398	1,757	SH		SOLE		1,757	0	0
Costco Whsl Corp	COM	22160K105	535,940	585	SH		SOLE		585	0	0
Credit Suisse Group 10/31/2025 1.500percent	BD	22546VMW3	27,968	25,000	PRN		SOLE		25,000	0	0
CVS Health Corporation	COM	126650100	436,216	9,717	SH		SOLE		9,717	0	0
Danaher Corp	COM	235851102	993,492	4,328	SH		SOLE		4,328	0	0
Dimensional Emerg Core Equity Mkt ETF	ETF	25434V302	8,818,246	347,586	SH		SOLE		347,586	0	0
Dimensional International Core Equity Mkt ETF	ETF	25434V203	2,012,323	68,915	SH		SOLE		68,915	0	0
Disney Walt Co	COM	254687106	880,488	7,907	SH		SOLE		7,907	0	0
Dominion Res Inc Va	COM	25746U109	231,598	4,300	SH		SOLE		4,300	0	0
Du Pont E I De Nemours	COM	26614N102	276,254	3,623	SH		SOLE		3,623	0	0
Emerson Electric	COM	291011104	1,467,827	11,844	SH		SOLE		11,844	0	0
ETFS Phys. Swiss Gold Shares	ETF	00326A104	11,207,470	447,404	SH		SOLE		447,404	0	0
Exxon-Mobil	COM	30231G102	1,442,127	13,406	SH		SOLE		13,406	0	0
First Trust Preferred Sec & Inc ETF	ETF	33739E108	5,959,560	336,698	SH		SOLE		336,698	0	0
Fiserv Inc	COM	337738108	2,641,290	12,858	SH		SOLE		12,858	0	0
Ge Vernova Llc Com	COM	36828A101	249,000	757	SH		SOLE		757	0	0
General Electric	COM	369604301	472,850	2,835	SH		SOLE		2,835	0	0
Global Payments, Inc.	COM	37940X102	204,384	1,824	SH		SOLE		1,824	0	0
Goldman Sachs ActiveBeta Intl Eq ETF	ETF	381430107	5,338,094	160,111	SH		SOLE		160,111	0	0
Goldman Sachs Group	COM	38141G104	505,003	882	SH		SOLE		882	0	0
HACK- Cyber Security ETF	ETF	032108664	422,258	5,669	SH		SOLE		5,669	0	0
Hewlett Packard	COM	40434L105	731,326	22,413	SH		SOLE		22,413	0	0
Home Depot	COM	437076102	1,947,056	5,005	SH		SOLE		5,005	0	0
Illinois Tool Works	COM	452308109	817,224	3,223	SH		SOLE		3,223	0	0
Incyte Genomics Inc	COM	45337C102	360,684	5,222	SH		SOLE		5,222	0	0
Intel Corp	COM	458140100	229,131	11,428	SH		SOLE		11,428	0	0
International Business Machines	COM	459200101	2,259,773	10,280	SH		SOLE		10,280	0	0
Intuit Inc.	COM	461202103	377,100	600	SH		SOLE		600	0	0
Invesco Biotech & Genomics ETF	ETF	46137V787	723,299	10,872	SH		SOLE		10,872	0	0
Invesco S&P 500 Low Volatility ETF	ETF	46138E354	281,985	4,028	SH		SOLE		4,028	0	0
iShare Core MSCI Emerging Markets	ETF	46434G103	1,075,040	20,587	SH		SOLE		20,587	0	0
iShares iBonds Dec 2025 Corp Bd ETF	ETF	46434VBD1	999,942	39,918	SH		SOLE		39,918	0	0
iShares iBonds Dec 2025 Muni Bd ETF	ETF	46435U432	1,762,329	66,216	SH		SOLE		66,216	0	0
iShares iBonds Dec 2026 Corp Bd ETF	ETF	46435GAA0	498,892	20,727	SH		SOLE		20,727	0	0
iShares iBonds Dec 2026 Muni Bd ETF	ETF	46435U259	3,022,957	118,734	SH		SOLE		118,734	0	0
iShares iBonds Dec 2027 Corp Bd ETF	ETF	46435UAA9	376,297	15,705	SH		SOLE		15,705	0	0
iShares iBonds Dec 2027 Muni Bd ETF	ETF	46435U283	1,784,814	70,995	SH		SOLE		70,995	0	0
iShares iBonds Dec 2028 Muni Bd ETF	ETF	46435U325	991,236	39,366	SH		SOLE		39,366	0	0
iShares iBonds Dec 2029 Corp Bd ETF	ETF	46436E205	3,416,556	149,849	SH		SOLE		149,849	0	0
iShares iBonds Dec 2029 Muni Bd ETF	ETF	46436E163	374,725	15,001	SH		SOLE		15,001	0	0
iShares iBonds Dec 2030 Corp Bd ETF	ETF	46436E726	438,564	20,532	SH		SOLE		20,532	0	0
iShares iBonds Ded 2031 Term Corp ETF	ETF	46436E486	325,593	16,000	SH		SOLE		16,000	0	0
iShares MSCI USA Momentum	ETF	46432F396	309,723	1,497	SH		SOLE		1,497	0	0
iShares Russell 2000 Index Fund ETF	ETF	464287655	287,911	1,303	SH		SOLE		1,303	0	0
iShares S & P Nat'l AMT-Free Muni Bd	ETF	464288414	545,880	5,123	SH		SOLE		5,123	0	0
iShares S&P 500 Barra Gr. Fd.	ETF	464287309	508,158	5,005	SH		SOLE		5,005	0	0
iShares S&P Midcap 400 Index ETF	ETF	464287507	4,147,704	66,566	SH		SOLE		66,566	0	0
iShares S&P Smallcap 600 Index ETF	ETF	464287804	3,013,687	26,156	SH		SOLE		26,156	0	0
J P Morgan Active Bond ETF	ETF	46654Q716	890,863	17,050	SH		SOLE		17,050	0	0
J P Morgan Chase & Co	COM	46625H100	5,493,579	22,918	SH		SOLE		22,918	0	0
J.P. Morgan Municipal ETF	ETF	46641Q647	4,198,739	83,724	SH		SOLE		83,724	0	0
Johnson & Johnson	COM	478160104	3,371,402	23,312	SH		SOLE		23,312	0	0
Kinder Morgan Inc	COM	49456B101	367,402	13,409	SH		SOLE		13,409	0	0
KLA Tencor Corp	COM	482480100	691,257	1,097	SH		SOLE		1,097	0	0
L3Harris Technologies Inc	COM	502431109	1,845,245	8,775	SH		SOLE		8,775	0	0
Lilly Eli & Co	COM	532457108	1,018,268	1,319	SH		SOLE		1,319	0	0
LKQ Corp	COM	501889208	267,264	7,273	SH		SOLE		7,273	0	0
Lockheed Martin Corp	COM	539830109	600,575	1,236	SH		SOLE		1,236	0	0
Lowes Companies	COM	548661107	2,891,410	11,716	SH		SOLE		11,716	0	0
Mastercard Inc	COM	57636Q104	1,787,121	3,394	SH		SOLE		3,394	0	0
McDonalds Corp	COM	580135101	1,462,001	5,043	SH		SOLE		5,043	0	0
Medtronic plc	COM	G5960L103	1,181,106	14,786	SH		SOLE		14,786	0	0
Merck & Co Inc	COM	58933Y105	5,075,509	51,020	SH		SOLE		51,020	0	0
Meta Platforms Cl A	COM	30303M102	3,015,415	5,150	SH		SOLE		5,150	0	0
Microsoft Corp	COM	594918104	12,796,522	30,359	SH		SOLE		30,359	0	0
MLCO	COM	585464100	90,127	15,566	SH		SOLE		15,566	0	0
Mondelez Intl Inc Cl A	COM	609207105	901,326	15,090	SH		SOLE		15,090	0	0
Morgan Stanley Group	COM	617446448	292,676	2,328	SH		SOLE		2,328	0	0
MPLX LP	COM	55336V100	397,238	8,300	SH		SOLE		8,300	0	0
NextEra Energy Inc.	COM	65339F101	1,189,598	16,594	SH		SOLE		16,594	0	0
Nike Inc Class B	COM	654106103	364,578	4,818	SH		SOLE		4,818	0	0
NIO, Inc.Adr	ADR	62914V106	52,420	12,023	SH		SOLE		12,023	0	0
Northrop Grumman Corp	COM	666807102	259,517	553	SH		SOLE		553	0	0
Novartis ADR	ADR	66987V109	359,950	3,699	SH		SOLE		3,699	0	0
Nvidia Corp	COM	67066G104	9,632,870	71,732	SH		SOLE		71,732	0	0
Oncolytics Biotech	COM	682310875	20,940	22,915	SH		SOLE		22,915	0	0
Oracle Systems	COM	68389X105	1,184,144	7,106	SH		SOLE		7,106	0	0
Ovid Therapeutics Inc	COM	690469101	15,427	16,522	SH		SOLE		16,522	0	0
Palantir Technologies Inc.	COM	69608A108	333,075	4,404	SH		SOLE		4,404	0	0
Palo Alto Networks Inc	COM	697435105	2,567,456	14,110	SH		SOLE		14,110	0	0
Paypal Holdings, Inc.	COM	70450Y103	454,489	5,325	SH		SOLE		5,325	0	0
Pepsico	COM	713448108	2,435,227	16,015	SH		SOLE		16,015	0	0
Pfizer Inc	COM	717081103	462,544	17,435	SH		SOLE		17,435	0	0
Philip Morris Intl Inc	COM	718172109	234,683	1,950	SH		SOLE		1,950	0	0
PPG Inds Inc	COM	693506107	229,344	1,920	SH		SOLE		1,920	0	0
Procter & Gamble Inc	COM	742718109	3,516,614	20,976	SH		SOLE		20,976	0	0
Proshares S&P 500 Div Aristocrats	ETF	74348A467	6,047,704	60,750	SH		SOLE		60,750	0	0
Public Svc Enterprise	COM	744573106	548,355	6,490	SH		SOLE		6,490	0	0
Qualcomm Corp	COM	747525103	1,273,574	8,290	SH		SOLE		8,290	0	0
Quanta Services Inc	COM	74762E102	3,215,707	10,175	SH		SOLE		10,175	0	0
Real Estate Sector SPDR	ETF	81369Y860	239,975	5,901	SH		SOLE		5,901	0	0
Regeneron Pharm	COM	75886F107	222,247	312	SH		SOLE		312	0	0
Roper Technologies, Inc	COM	776696106	959,720	1,846	SH		SOLE		1,846	0	0
RTX Corp.	COM	75513E101	2,423,211	20,940	SH		SOLE		20,940	0	0
S&P 400 Mid-Cap SPDR ETF	ETF	78467Y107	428,894	753	SH		SOLE		753	0	0
Salesforce Com	COM	79466L302	1,296,671	3,878	SH		SOLE		3,878	0	0
Schwab Dow Jones US Broad Mkt ETF	ETF	808524102	1,627,390	71,691	SH		SOLE		71,691	0	0
Schwab Dow Jones US Div Eq ETF	ETF	808524797	22,016,540	805,876	SH		SOLE		805,876	0	0
Schwab Dow Jones US Large Cap ETF	ETF	808524201	34,689,412	1,496,523	SH		SOLE		1,496,523	0	0
Schwab Dow Jones US Large Growth ETF	ETF	808524300	7,256,167	260,358	SH		SOLE		260,358	0	0
Schwab Dow Jones US Large Value ETF	ETF	808524409	4,669,155	179,101	SH		SOLE		179,101	0	0
Schwab Dow Jones US Mid-Cap ETF	ETF	808524508	7,835,339	282,762	SH		SOLE		282,762	0	0
Schwab Dow Jones US Sm-Cap ETF	ETF	808524607	4,718,970	182,481	SH		SOLE		182,481	0	0
Schwab FTSE Developed ex-US ETF	ETF	808524805	5,888,932	318,321	SH		SOLE		318,321	0	0
Schwab US AGG Bnd ETF	ETF	808524839	373,413	16,450	SH		SOLE		16,450	0	0
Sector Spdr Engy Select	ETF	81369Y506	286,961	3,350	SH		SOLE		3,350	0	0
Shopify Inc	COM	82509L107	220,103	2,070	SH		SOLE		2,070	0	0
SoFi Technologies ORD	COM	83406F102	258,304	16,773	SH		SOLE		16,773	0	0
SPDR Gold Shares	ETF	78463V107	2,703,139	11,164	SH		SOLE		11,164	0	0
SPDR MSCI Acwi Ex-US	ETF	78463X848	1,002,761	35,890	SH		SOLE		35,890	0	0
SPDR S&P 500 ETF	ETF	78462F103	2,592,818	4,424	SH		SOLE		4,424	0	0
SPDR S&P Biotech ETF	ETF	78464A870	968,239	10,751	SH		SOLE		10,751	0	0
SPDR S&P Dividend ETF	ETF	78464A763	2,672,722	20,233	SH		SOLE		20,233	0	0
SPDR Technology Select Sector	ETF	81369Y803	1,191,037	5,122	SH		SOLE		5,122	0	0
State Street Boston Corp	COM	857477103	588,900	6,000	SH		SOLE		6,000	0	0
Sundial Growers Inc	COM	83307B101	115,312	64,420	SH		SOLE		64,420	0	0
Sysco Inc	COM	871829107	219,823	2,875	SH		SOLE		2,875	0	0
Taiwan Semiconductr Adrf	ADR	874039100	230,273	1,166	SH		SOLE		1,166	0	0
Target Corp	COM	87612E106	341,720	2,528	SH		SOLE		2,528	0	0
TE Connectivity Ltd	COM	G87052109	200,158	1,400	SH		SOLE		1,400	0	0
Tesla Motors Inc	COM	88160R101	323,476	801	SH		SOLE		801	0	0
Thermo Fisher Scientific	COM	883556102	1,295,382	2,490	SH		SOLE		2,490	0	0
Tilray Inc	COM	88688T100	34,780	26,150	SH		SOLE		26,150	0	0
TJX Cos Inc	COM	872540109	691,879	5,727	SH		SOLE		5,727	0	0
Truist Finl Corp	COM	89832Q109	431,929	9,957	SH		SOLE		9,957	0	0
Tyson Foods Inc	COM	902494103	374,718	6,524	SH		SOLE		6,524	0	0
Unilever Plc Adr New	ADR	904767704	238,140	4,200	SH		SOLE		4,200	0	0
Union Pacific Corp	COM	907818108	2,166,322	9,500	SH		SOLE		9,500	0	0
Vanguard Consumer Staples ETF	ETF	92204A207	496,109	2,347	SH		SOLE		2,347	0	0
Vanguard Div Appreciation ETF	ETF	921908844	970,795	4,957	SH		SOLE		4,957	0	0
Vanguard FTSE All-World ex-USA ETF	ETF	922042775	2,835,560	49,391	SH		SOLE		49,391	0	0
Vanguard FTSE Dev Mkt ETF	ETF	921943858	286,777	5,997	SH		SOLE		5,997	0	0
Vanguard Growth ETF	ETF	922908736	1,693,171	4,125	SH		SOLE		4,125	0	0
Vanguard Mid Cap Value ETF	ETF	922908512	284,147	1,756	SH		SOLE		1,756	0	0
Vanguard Mid-Cap ETF	ETF	922908629	3,465,164	13,119	SH		SOLE		13,119	0	0
Vanguard REIT	ETF	922908553	977,342	10,972	SH		SOLE		10,972	0	0
Vanguard S&P 500 ETF	ETF	922908363	6,848,544	12,711	SH		SOLE		12,711	0	0
Vanguard Small-Cap Value ETF	ETF	922908611	1,523,547	7,688	SH		SOLE		7,688	0	0
Vanguard Tax-Exempt Bond ETF	ETF	922907746	7,655,773	152,718	SH		SOLE		152,718	0	0
Vanguard Total International Stock	ETF	921909768	300,961	5,107	SH		SOLE		5,107	0	0
Vanguard Value ETF	ETF	922908744	1,227,742	7,252	SH		SOLE		7,252	0	0
Verizon Communications	COM	92343V104	1,262,477	31,570	SH		SOLE		31,570	0	0
Vertex Pharmaceuticals	COM	92532F100	293,971	730	SH		SOLE		730	0	0
VictoryShares Core Intermediate Bond ETF	ETF	92647N527	16,257,554	353,733	SH		SOLE		353,733	0	0
Visa, Inc.	COM	92826C839	1,577,040	4,990	SH		SOLE		4,990	0	0
Wal-Mart Stores	COM	931142103	1,093,777	12,106	SH		SOLE		12,106	0	0
Wells Fargo & Co 7.50percent Pfd	PFD	949746804	344,491	288	SH		SOLE		288	0	0
Wells Fargo & Company	COM	949746101	283,067	4,030	SH		SOLE		4,030	0	0
Wynn Resorts	COM	983134107	212,471	2,466	SH		SOLE		2,466	0	0
Zynex Inc	COM	98986M103	89,832	11,215	SH		SOLE		11,215	0	0