Pinnacle Wealth Management Advisory 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
Expires:	Oct 31, 2018
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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 Co	COM	88579Y101	4,202	28,225	SH		SOLE		28,200	0	25
Abbott Laboratories	COM	002824100	625	5,282	SH		SOLE		5,282	0	0
Abbvie Inc	COM	00287Y109	1,982	12,224	SH		SOLE		12,224	0	0
Abn-Amro North America	PFD	003714201	208	8,000	SH		SOLE		8,000	0	0
Accenture PLC Cl A	COM	G1151C101	2,092	6,202	SH		SOLE		6,202	0	0
Adobe Inc	COM	00724F101	1,688	3,704	SH		SOLE		3,679	0	25
Advanced Micro Devices	COM	007903107	1,211	11,075	SH		SOLE		11,075	0	0
Alphabet Inc - Class A	COM	02079K305	8,516	3,062	SH		SOLE		3,059	0	3
Alphabet Inc - Class C	COM	02079K107	2,058	737	SH		SOLE		737	0	0
Altegris Multi Strategy Fund	COM	001011961	261	122	SH		SOLE		122	0	0
Altria Group Inc	COM	02209S103	299	5,716	SH		SOLE		5,716	0	0
Amazon.Com Inc	COM	023135106	8,292	2,544	SH		SOLE		2,544	0	0
AMC Networks Inc A	COM	00164V103	1,159	28,527	SH		SOLE		0	0	28,527
American Express	COM	025816109	4,971	26,581	SH		SOLE		25,631	0	950
Amerisourcebergen Corp Com	COM	03073E105	240	1,551	SH		SOLE		1,551	0	0
Amgen Inc	COM	031162100	2,049	8,475	SH		SOLE		8,475	0	0
Amyris Inc	COM	03236M200	44	10,040	SH		SOLE		10,040	0	0
Anthem Inc	COM	036752103	502	1,022	SH		SOLE		1,022	0	0
Apple Inc	COM	037833100	35,680	204,341	SH		SOLE		204,277	0	64
Apple Inc USD145 EXP 01/19/24	CALL	037833900	302	62	SH	Call	SOLE		0	0	62
Applied Materials	COM	038222105	645	4,890	SH		SOLE		4,890	0	0
Aptiv PLC	COM	g6095l109	626	5,230	SH		SOLE		5,230	0	0
ASML Holding NV - NY Reg	COM	N07059210	275	412	SH		SOLE		412	0	0
AT&T Inc	COM	00206R102	896	37,925	SH		SOLE		37,925	0	0
Automatic Data Processing	COM	053015103	949	4,171	SH		SOLE		3,971	0	200
Auxly Cannabis Group	COM	04957F101	6	47,500	SH		SOLE		47,500	0	0
Bank Of America Corp	COM	060505104	2,917	70,770	SH		SOLE		70,695	0	75
Berkshire Hathaway Inc-CL B	COM	084670702	13,948	39,523	SH		SOLE		38,903	0	620
Blackrock Inc	COM	09247X101	4,549	5,953	SH		SOLE		5,953	0	0
Blackrock Short Maturity Bon	ETF	46431W507	5,336	107,644	SH		SOLE		105,249	0	2,395
Blackstone Inc	COM	09260D107	1,483	11,682	SH		SOLE		11,682	0	0
Boeing Co	COM	097023105	1,631	8,519	SH		SOLE		8,519	0	0
Bridgebio Pharma Inc.	COM	10806x102	529	52,087	SH		SOLE		52,087	0	0
Bristol-Myers Squibb Co	COM	110122108	1,809	24,767	SH		SOLE		24,767	0	0
Broadcom Ltd	COM	11135F101	2,298	3,649	SH		SOLE		3,649	0	0
Cable One Inc	COM	12685J105	461	315	SH		SOLE		315	0	0
Caterpillar Incorporated	COM	149123101	747	3,353	SH		SOLE		3,353	0	0
Chevron Corporation	COM	166764100	3,174	19,495	SH		SOLE		19,445	0	50
Cisco Systems	COM	17275R102	4,094	73,426	SH		SOLE		73,276	0	150
Citigroup Inc	COM	172967424	1,392	26,070	SH		SOLE		26,050	0	20
Clorox Co	COM	189054109	962	6,918	SH		SOLE		6,918	0	0
Coca-Cola Co	COM	191216100	3,562	57,458	SH		SOLE		56,658	0	800
Cognex Corp	COM	192422103	213	2,760	SH		SOLE		2,760	0	0
Colgate-Palmolive	COM	194162103	818	10,786	SH		SOLE		10,786	0	0
Comcast Corp Cl A	COM	20030N101	806	17,205	SH		SOLE		17,205	0	0
ConocoPhillips	COM	20825C104	237	2,368	SH		SOLE		2,268	0	100
Consolidated Edison	COM	209115104	209	2,208	SH		SOLE		2,208	0	0
Constellation Brands Inc - A	COM	21036P108	443	1,925	SH		SOLE		1,925	0	0
Consumer Discretionary Sel S	ETF	81369Y407	867	4,688	SH		SOLE		4,688	0	0
Costco Wholesale Corp	COM	22160K105	3,356	5,828	SH		SOLE		5,828	0	0
CrowdStrike Holdings Inc - A	COM	22788c105	1,042	4,590	SH		SOLE		4,590	0	0
CSX Corp	COM	126408103	1,875	50,075	SH		SOLE		50,075	0	0
Cummins Inc	COM	231021106	1,083	5,279	SH		SOLE		5,279	0	0
Deere & Co	COM	244199105	476	1,145	SH		SOLE		1,145	0	0
Diageo Plc-Sponsored Adr	ADR	25243Q205	2,465	12,134	SH		SOLE		11,634	0	500
Docusign Inc	COM	256163106	1,184	11,053	SH		SOLE		11,053	0	0
Dominion Energy Inc	COM	25746U109	764	8,993	SH		SOLE		8,993	0	0
Drone Guarder Inc	COM	26211L103	0	12,070	SH		SOLE		12,070	0	0
Duke Energy Corp	COM	26441C204	355	3,183	SH		SOLE		3,183	0	0
Eaton Corp PLC	COM	G29183103	362	2,388	SH		SOLE		2,388	0	0
Elanco Animal Health Inc	COM	28414H103	509	19,510	SH		SOLE		19,510	0	0
Eli Lilly & Co	COM	532457108	446	1,559	SH		SOLE		1,559	0	0
Emerson Elec Co	COM	291011104	900	9,178	SH		SOLE		9,178	0	0
Energy Select Sector SPDR Fu	ETF	81369Y506	676	8,841	SH		SOLE		8,841	0	0
Enterprise Prods Partners Ma	COM	293792107	275	10,651	SH		SOLE		10,651	0	0
Etsy Inc.	COM	29786a106	584	4,700	SH		SOLE		4,700	0	0
Exxon Mobil Corp	COM	30231G102	2,136	25,867	SH		SOLE		25,617	0	250
Fedex Corp	COM	31428X106	684	2,955	SH		SOLE		2,955	0	0
First Trust DJ Internet	ETF	33733e302	2,252	11,989	SH		SOLE		11,989	0	0
First Trust Ise Cloud Comput	ETF	33734X192	661	7,298	SH		SOLE		7,173	0	125
First Trust NASDAQ Cybersecu	ETF	33734x846	887	16,704	SH		SOLE		16,704	0	0
First Trust NASDAQ Rising Di	ETF	33738r506	881	17,978	SH		SOLE		16,963	0	1,015
First Trust NASDAQ Trans ETF	ETF	33738R795	1,836	56,825	SH		SOLE		56,400	0	425
First Trust Senior Loan ETF	ETF	33738d309	669	14,215	SH		SOLE		14,215	0	0
First Trust TCW Opportunisti	ETF	33740f805	399	8,055	SH		SOLE		8,055	0	0
Flexshares Global Upstream N	ETF	33939L407	4,061	86,714	SH		SOLE		86,414	0	300
FlexShares iBoxx 3 Yr Target	ETF	33939l506	12,978	500,872	SH		SOLE		499,857	0	1,015
FPL Group Inc	COM	302571104	114	18,100	SH		SOLE		18,100	0	0
Fuse Cobalt Inc	COM	36116V106	1	25,000	SH		SOLE		25,000	0	0
General Mills	COM	370334104	2,058	30,396	SH		SOLE		30,321	0	75
General Motors	COM	37045V100	845	19,320	SH		SOLE		19,320	0	0
Gilead Sciences Inc	COM	375558103	878	14,766	SH		SOLE		14,766	0	0
Global Lithium & Battery Tec	ETF	37954y855	222	2,880	SH		SOLE		2,880	0	0
Global Security & Intellige	COM	379369101	0	10,000	SH		SOLE		10,000	0	0
Global X Robotics & Artifici	ETF	37954y715	2,041	70,345	SH		SOLE		69,895	0	450
Goldman Sachs Group Inc	COM	38141G104	2,008	6,082	SH		SOLE		6,082	0	0
Graham Holdings Co-Class B	COM	384637104	394	645	SH		SOLE		645	0	0
Health Care Select Sector SP	ETF	81369Y209	252	1,843	SH		SOLE		1,843	0	0
Helen of Troy Ltd	COM	G4388n106	764	3,900	SH		SOLE		3,900	0	0
Home Depot Inc	COM	437076102	4,394	14,681	SH		SOLE		14,656	0	25
Honeywell International	COM	438516106	591	3,039	SH		SOLE		3,039	0	0
Icon Plc	COM	G4705A100	243	1,000	SH		SOLE		1,000	0	0
Illinois Tool Works Inc	COM	452308109	420	2,005	SH		SOLE		2,005	0	0
Intel Corp	COM	458140100	3,481	70,244	SH		SOLE		70,244	0	0
International Business Machi	COM	459200101	1,261	9,697	SH		SOLE		9,697	0	0
Intl Meta Sys	COM	45986B108	0	37,000	SH		SOLE		37,000	0	0
Invesco QQQ Trust Series I	ETF	46090E103	16,536	45,613	SH		SOLE		45,508	0	105
Invesco S&P 500 Equal Weight	ETF	46137V357	8,259	52,371	SH		SOLE		52,121	0	250
Invesco Variable Rate Prefer	ETF	46138g870	733	29,983	SH		SOLE		29,983	0	0
IQ Merger Arbitrage	ETF	45409B800	1,863	58,340	SH		SOLE		58,340	0	0
iShares 1-5 Year Inv Gr Corp	ETF	464288646	845	16,333	SH		SOLE		16,333	0	0
iShares Barclay S/Treasury B	ETF	464288679	1,340	12,153	SH		SOLE		12,153	0	0
iShares Barclays 3-7 Yr Trea	ETF	464288661	3,996	32,744	SH		SOLE		32,744	0	0
iShares Barclays TIPS Bond F	ETF	464287176	604	4,850	SH		SOLE		4,850	0	0
iShares COMEX Gold Trust	ETF	464285204	314	8,532	SH		SOLE		8,532	0	0
iShares Commodities Sel Stra	ETF	46431w853	239	5,967	SH		SOLE		5,967	0	0
iShares Core MSCI Emerging M	ETF	46434G103	4,666	83,998	SH		SOLE		83,748	0	250
iShares Core MSCI Total Intl	ETF	46432f834	813	12,210	SH		SOLE		11,275	0	935
iShares Core S&P 500 Index F	ETF	464287200	11,593	25,553	SH		SOLE		25,528	0	25
iShares Core S&P S/C ETF	ETF	464287804	5,192	48,131	SH		SOLE		48,131	0	0
IShares Edge MSCI Intl Quali	ETF	46434v456	235	6,365	SH		SOLE		6,365	0	0
iShares Edge MSCI Multifacto	ETF	46434v274	318	11,510	SH		SOLE		11,510	0	0
iShares Edge MSCI USA Moment	ETF	46432f396	675	4,010	SH		SOLE		3,980	0	30
iShares ESG MSCI USA Small-C	ETF	46435U663	336	8,835	SH		SOLE		8,835	0	0
iShares Floating Rate Bond E	ETF	46429B655	733	14,515	SH		SOLE		14,515	0	0
iShares GSCI Commodity Index	ETF	46428r107	1,537	67,875	SH		SOLE		67,875	0	0
IShares High Dividend Eq Fd	ETF	46429b663	289	2,705	SH		SOLE		2,705	0	0
iShares Lehman 7-10 Year Bon	ETF	464287440	445	4,141	SH		SOLE		4,120	0	21
iShares MSCI ACWI ex US ETF	ETF	464288240	728	13,935	SH		SOLE		13,935	0	0
iShares MSCI EAFE Index Fund	ETF	464287465	265	3,600	SH		SOLE		3,566	0	34
iShares MSCI EAFE Small Cap	ETF	464288273	4,687	70,657	SH		SOLE		70,657	0	0
iShares MSCI UK Index Fund	ETF	46435g334	793	23,575	SH		SOLE		23,575	0	0
iShares MSCI USA ESG Select	ETF	464288802	360	3,720	SH		SOLE		3,720	0	0
iShares MSCI USA Quality	ETF	46432F339	23,326	173,258	SH		SOLE		172,493	0	765
iShares Nasdaq Biotechnology	ETF	464287556	241	1,853	SH		SOLE		1,853	0	0
iShares Preferred & Inc Secu	ETF	464288687	1,231	33,800	SH		SOLE		33,800	0	0
iShares Russell 1000 Growth	ETF	464287614	497	1,789	SH		SOLE		1,789	0	0
iShares Russell 1000 Value I	ETF	464287598	741	4,464	SH		SOLE		4,464	0	0
iShares Russell 2000 Growth	ETF	464287648	3,208	12,543	SH		SOLE		12,543	0	0
iShares Russell Midcap Growt	ETF	464287481	302	3,004	SH		SOLE		3,004	0	0
iShares S&P Glbl Energy Sect	ETF	464287341	395	10,936	SH		SOLE		10,936	0	0
iShares S&P National AMT Fre	ETF	464288414	881	8,031	SH		SOLE		7,666	0	365
iShares S&P Smallcap 600 Gro	ETF	464287887	763	6,102	SH		SOLE		6,102	0	0
iShares S&P Smallcap 600 Val	ETF	464287879	2,388	23,319	SH		SOLE		23,319	0	0
IShares Short Maturity Munic	ETF	46431w838	266	5,345	SH		SOLE		5,345	0	0
iShares Tr Russell 2000	ETF	464287655	6,336	30,865	SH		SOLE		30,865	0	0
Ishares Tr Russell Midcap	ETF	464287499	1,796	23,009	SH		SOLE		23,009	0	0
iShares Tr S&P 100 Index Fd	ETF	464287101	482	2,311	SH		SOLE		2,311	0	0
iShares Tr S&P Midcap 400	ETF	464287507	2,817	10,498	SH		SOLE		10,498	0	0
iShares Ultra Short-Term Bon	ETF	46434v878	252	5,033	SH		SOLE		5,033	0	0
Johnson & Johnson	COM	478160104	16,461	92,882	SH		SOLE		92,182	0	700
JP Morgan Ultra-Short Income	ETF	46641Q837	4,302	85,577	SH		SOLE		85,577	0	0
JP Morgan US Aggregate Bond	ETF	46641q241	211	4,172	SH		SOLE		4,172	0	0
JPMorgan Chase & Co	COM	46625H100	5,339	39,165	SH		SOLE		38,640	0	525
JPMorgan Diversified Return	ETF	46641Q845	982	22,410	SH		SOLE		22,410	0	0
JPMorgan Equity Premium ETF	ETF	46641Q332	292	4,750	SH		SOLE		4,750	0	0
KLA Corp	COM	482480100	910	2,485	SH		SOLE		2,485	0	0
Lam Research	COM	512807108	239	445	SH		SOLE		445	0	0
Lear Corporation	COM	521865204	294	2,065	SH		SOLE		2,065	0	0
Linde PLC	COM	g5494j103	260	814	SH		SOLE		814	0	0
Lockheed Martin Corporation	COM	539830109	2,896	6,562	SH		SOLE		6,562	0	0
Lowe's Companies Inc	COM	548661107	1,113	5,506	SH		SOLE		5,506	0	0
Lumentum Holdings Inc	COM	55024u109	878	8,995	SH		SOLE		8,995	0	0
LyondellBasell Indus NV	COM	N53745100	1,819	17,692	SH		SOLE		17,692	0	0
Madison Square Garden Entert	COM	55826T102	345	4,143	SH		SOLE		608	0	3,535
Madison Square Garden Sports	COM	55825T103	1,814	10,112	SH		SOLE		603	0	9,509
Marathon Petroleum Corp	COM	56585A102	298	3,485	SH		SOLE		3,485	0	0
Marsh & Mclennan	COM	571748102	525	3,079	SH		SOLE		3,079	0	0
Mastercard Inc Class A	COM	57636q104	5,309	14,855	SH		SOLE		14,855	0	0
Mazda Motor - Unsp ADR	ADR	578787103	37	10,000	SH		SOLE		10,000	0	0
McDonald's Corp	COM	580135101	3,986	16,119	SH		SOLE		16,094	0	25
McKesson Corp	COM	58155Q103	323	1,055	SH		SOLE		1,055	0	0
Medtronic PLC	COM	G5960L103	687	6,196	SH		SOLE		6,196	0	0
Merck & Co	COM	58933Y105	5,040	61,420	SH		SOLE		61,420	0	0
Meta Platforms Inc	COM	30303M102	2,096	9,426	SH		SOLE		9,426	0	0
Micron Technology Inc	COM	595112103	854	10,967	SH		SOLE		10,967	0	0
Microsoft Corp	COM	594918104	23,280	75,509	SH		SOLE		74,784	0	725
Mondelez International Inc	COM	609207105	485	7,722	SH		SOLE		7,722	0	0
Morgan Stanley	COM	617446448	4,792	54,827	SH		SOLE		54,577	0	250
Nestle Sa-Spons Adr	ADR	641069406	5,205	40,006	SH		SOLE		39,406	0	600
Netflix Inc	COM	64110L106	1,096	2,926	SH		SOLE		2,926	0	0
New Jersey Resource Corp	COM	646025106	1,145	24,963	SH		SOLE		24,963	0	0
Nextera Energy Inc	COM	65339F101	1,180	13,924	SH		SOLE		13,924	0	0
Nike Inc - B	COM	654106103	442	3,285	SH		SOLE		3,285	0	0
Norfolk Southern	COM	655844108	695	2,435	SH		SOLE		2,435	0	0
NorthStar HealthCare Income	COM	66799d107	98	25,000	SH		SOLE		25,000	0	0
Novartis Ag-Adr	ADR	66987V109	434	4,947	SH		SOLE		4,447	0	500
NVIDIA Corp	COM	67066G104	3,646	13,364	SH		SOLE		13,364	0	0
OGE Energy Corp	COM	670837103	287	7,043	SH		SOLE		7,043	0	0
Oracle Corp	COM	68389X105	497	6,009	SH		SOLE		6,009	0	0
Paramount Global	COM	92556H206	547	14,462	SH		SOLE		14,462	0	0
Paychex	COM	704326107	1,780	13,040	SH		SOLE		12,540	0	500
Paypal Inc	COM	70450y103	414	3,582	SH		SOLE		3,582	0	0
Pepsico Inc	COM	713448108	4,715	28,172	SH		SOLE		28,122	0	50
Pfizer Inc	COM	717081103	6,209	119,943	SH		SOLE		119,593	0	350
Phillips 66	COM	718546104	215	2,493	SH		SOLE		2,443	0	50
Pimco 0-5 Year H/Y Corp Bond	ETF	72201r783	211	2,189	SH		SOLE		2,189	0	0
Pimco Enhanced Short Maturit	ETF	72201r833	1,726	17,232	SH		SOLE		17,232	0	0
PIMCO Total Return ETF	ETF	72201R775	891	8,757	SH		SOLE		8,757	0	0
PNC Fincl Services Group	COM	693475105	2,549	13,817	SH		SOLE		13,817	0	0
PPL Corp	COM	69351T106	387	13,535	SH		SOLE		13,535	0	0
Procter & Gamble	COM	742718109	7,953	52,046	SH		SOLE		51,602	0	444
Public Service Enterprise Gr	COM	744573106	490	7,005	SH		SOLE		7,005	0	0
Qorvo Inc	COM	74736k101	679	5,475	SH		SOLE		5,475	0	0
Qualcomm Inc	COM	747525103	347	2,273	SH		SOLE		2,238	0	35
Raytheon Tech Corp	COM	75513e101	3,254	32,845	SH		SOLE		32,795	0	50
Rockwell Automation Inc	COM	773903109	259	925	SH		SOLE		925	0	0
Salesforce.com Inc	COM	79466l302	601	2,829	SH		SOLE		2,829	0	0
Schwab US Broad Martket ETF	ETF	808524102	232	4,343	SH		SOLE		4,343	0	0
Schwab US DVD equity ETF	ETF	808524797	16,879	213,959	SH		SOLE		213,029	0	930
Schwab US Mid Cap ETF	ETF	808524508	1,934	25,493	SH		SOLE		25,493	0	0
Schwab Us Reit Etf	ETF	808524847	300	12,040	SH		SOLE		12,040	0	0
Schwab US Small-Cap ETF	ETF	808524607	1,345	28,405	SH		SOLE		28,405	0	0
SeaGen Inc	COM	81181C104	322	2,235	SH		SOLE		2,235	0	0
Sector SPDR AMEX Consumer	ETF	81369Y308	300	3,954	SH		SOLE		3,954	0	0
Sector SPDR AMEX Industria	ETF	81369Y704	313	3,041	SH		SOLE		3,041	0	0
Sector SPDR AMEX Tech Sele	ETF	81369Y803	931	5,859	SH		SOLE		5,859	0	0
SJW Corp	COM	784305104	209	3,000	SH		SOLE		3,000	0	0
Skyworks Solutions Inc Com	COM	83088M102	453	3,400	SH		SOLE		3,400	0	0
SPDR Blackstone/GSO Senior L	ETF	78467V608	234	5,200	SH		SOLE		5,200	0	0
SPDR Bloomberg Conv Secs ETF	ETF	78464a359	340	4,420	SH		SOLE		4,420	0	0
SPDR Doubleline Total Return	ETF	78467V848	3,785	84,549	SH		SOLE		82,479	0	2,070
SPDR Dow Jones Indl Avrg ETF	ETF	78467X109	5,834	16,820	SH		SOLE		16,820	0	0
SPDR Gold Trust	ETF	78463V107	554	3,068	SH		SOLE		3,068	0	0
Spdr Metals & Mining Etf	ETF	78464A755	2,901	47,338	SH		SOLE		47,338	0	0
SPDR Nuveen Bloomberg ST Mun	ETF	78468R739	543	11,477	SH		SOLE		11,477	0	0
SPDR Portfolio S/T Corp Bond	ETF	78464a474	284	9,415	SH		SOLE		9,415	0	0
SPDR Portfolio Short Term Tr	ETF	78468r101	399	13,467	SH		SOLE		13,467	0	0
SPDR S & P Mid-Cap 400 ETF T	ETF	78467Y107	5,813	11,852	SH		SOLE		11,852	0	0
SPDR S&P 500 ETF Tr	ETF	78462F103	27,818	61,593	SH		SOLE		60,893	0	700
SPDR S&P 600 S/C Value ETF	ETF	78464A300	492	5,910	SH		SOLE		5,910	0	0
SPDR S&P Biotech ETF	ETF	78464A870	362	4,025	SH		SOLE		4,025	0	0
Starbucks Corp	COM	855244109	5,117	56,254	SH		SOLE		56,179	0	75
Sysco Corp	COM	871829107	551	6,749	SH		SOLE		6,749	0	0
T Rowe Price Group Inc	COM	74144T108	933	6,172	SH		SOLE		6,172	0	0
Target Corp	COM	87612E106	548	2,580	SH		SOLE		2,580	0	0
Tesla Inc	COM	88160r101	4,440	4,120	SH		SOLE		4,110	0	10
Texas Instruments Inc	COM	882508104	474	2,581	SH		SOLE		2,581	0	0
The Charles Schwab	COM	808513105	1,155	13,700	SH		SOLE		13,650	0	50
The Hershey Company	COM	427866108	317	1,465	SH		SOLE		1,465	0	0
Thermo Fisher Scientific Inc	COM	883556102	233	395	SH		SOLE		395	0	0
Travelers Companies Inc	COM	89417E109	492	2,691	SH		SOLE		2,691	0	0
Truist Financial Corp	COM	89832q109	242	4,263	SH		SOLE		4,263	0	0
Uber Technologies Inc	COM	90353t100	278	7,800	SH		SOLE		7,800	0	0
Union Pac Corp	COM	907818108	459	1,680	SH		SOLE		1,680	0	0
United Parcel Service -Cl B	COM	911312106	4,162	19,406	SH		SOLE		19,381	0	25
Unitedhealth Group Inc	COM	91324P102	3,732	7,318	SH		SOLE		7,318	0	0
Valero Energy Corp New	COM	91913Y100	1,798	17,711	SH		SOLE		17,711	0	0
Valley National Bancorp	COM	919794107	160	12,265	SH		SOLE		12,265	0	0
VanEck Vectors Short H/Y Mun	ETF	92189F387	233	10,030	SH		SOLE		10,030	0	0
Vanguard Bd Index Fd Tot Mkt	ETF	921937835	4,895	61,539	SH		SOLE		60,134	0	1,405
Vanguard Dividend Appreciati	ETF	921908844	766	4,724	SH		SOLE		4,724	0	0
Vanguard Energy ETF	ETF	92204A306	256	2,389	SH		SOLE		2,389	0	0
Vanguard ESG International S	ETF	921910725	277	4,840	SH		SOLE		4,840	0	0
Vanguard ESG US ETF	ETF	921910733	378	4,660	SH		SOLE		4,660	0	0
Vanguard Extended Market ETF	ETF	922908652	1,450	8,750	SH		SOLE		8,750	0	0
Vanguard FTSE ALL WO X-US SC	ETF	922042718	279	2,255	SH		SOLE		2,255	0	0
Vanguard FTSE All World Ex U	ETF	922042775	11,046	191,812	SH		SOLE		191,152	0	660
Vanguard FTSE Developed Mark	ETF	921943858	2,427	50,524	SH		SOLE		50,524	0	0
Vanguard FTSE Emerging Marke	ETF	922042858	887	19,218	SH		SOLE		19,218	0	0
Vanguard FTSE Europe ETF	ETF	922042874	369	5,925	SH		SOLE		5,925	0	0
Vanguard High Div Yield ETF	ETF	921946406	22,094	196,825	SH		SOLE		196,105	0	720
Vanguard Information Technol	ETF	92204A702	495	1,188	SH		SOLE		1,188	0	0
Vanguard Intermediate-Term C	ETF	92206c870	222	2,581	SH		SOLE		2,581	0	0
Vanguard Interm-Term Govt Bd	ETF	92206C706	991	15,760	SH		SOLE		15,760	0	0
Vanguard Intl Hi Div Yield I	ETF	921946794	763	11,290	SH		SOLE		11,290	0	0
Vanguard Large Cap ETF	ETF	922908637	11,486	55,093	SH		SOLE		55,093	0	0
Vanguard Mid-Cap ETF	ETF	922908629	3,347	14,074	SH		SOLE		14,074	0	0
Vanguard REIT ETF	ETF	922908553	1,135	10,475	SH		SOLE		10,475	0	0
Vanguard S&P 500 ETF	ETF	922908363	3,520	8,479	SH		SOLE		8,479	0	0
Vanguard S&P 500 Growth ETF	ETF	921932505	827	3,000	SH		SOLE		3,000	0	0
Vanguard Short Term Corp Bon	ETF	92206C409	9,563	122,458	SH		SOLE		121,153	0	1,305
Vanguard Short-Term TIPS Ind	ETF	922020805	403	7,873	SH		SOLE		7,873	0	0
Vanguard Small Cap Value - E	ETF	922908611	278	1,581	SH		SOLE		1,581	0	0
Vanguard Small-Cap ETF	ETF	922908751	26,590	125,118	SH		SOLE		124,592	0	526
Vanguard Tax Exempt Bond ETF	ETF	922907746	1,352	26,235	SH		SOLE		26,235	0	0
Vanguard Total Intl Stock In	ETF	921909768	3,262	54,605	SH		SOLE		54,605	0	0
Vanguard US Total Stock Mark	ETF	922908769	15,511	68,129	SH		SOLE		67,859	0	270
Verizon Communications	COM	92343V104	3,858	75,732	SH		SOLE		75,732	0	0
Visa Inc Class A Shares	COM	92826C839	1,943	8,762	SH		SOLE		8,762	0	0
Wal Mart Stores Inc	COM	931142103	6,318	42,423	SH		SOLE		42,073	0	350
Walt Disney Co	COM	254687106	7,277	53,058	SH		SOLE		52,158	0	900
Waste Management Inc	COM	94106L109	571	3,605	SH		SOLE		2,955	0	650
Waters Corp	COM	941848103	490	1,580	SH		SOLE		1,580	0	0
Welltower Inc	COM	95040q104	2,595	26,995	SH		SOLE		26,895	0	100
WisdomTree Bloomberg Fl Rate	ETF	97717y527	520	10,346	SH		SOLE		10,346	0	0
Wisdomtree MidCap Dividend F	ETF	97717W505	2,049	46,131	SH		SOLE		46,131	0	0
Wisdomtree SmallCap Dividend	ETF	97717W604	1,095	34,368	SH		SOLE		34,368	0	0
Zoetis Inc	COM	98978V103	208	1,104	SH		SOLE		1,104	0	0