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	741,953	6,187	SH		SOLE		6,187	0	0
Abbott Laboratories	COM	002824100	953,134	8,681	SH		SOLE		8,681	0	0
Abbvie Inc	COM	00287Y109	2,253,813	13,946	SH		SOLE		13,946	0	0
Accenture PLC Cl A	COM	G1151C101	1,708,043	6,401	SH		SOLE		6,401	0	0
Activision Blizzard Inc	COM	00507V109	228,268	2,982	SH		SOLE		2,982	0	0
Adobe Inc	COM	00724F101	1,778,561	5,285	SH		SOLE		5,285	0	0
Advanced Micro Devices	COM	007903107	570,624	8,810	SH		SOLE		8,810	0	0
Aflac Inc	COM	001055102	299,630	4,165	SH		SOLE		4,165	0	0
Air Products & Chemicals Inc	COM	009158106	389,641	1,264	SH		SOLE		1,264	0	0
Alphabet Inc - Class A	COM	02079K305	6,491,434	73,574	SH		SOLE		73,574	0	0
Alphabet Inc - Class C	COM	02079K107	1,694,122	19,093	SH		SOLE		19,093	0	0
Altria Group Inc	COM	02209S103	420,029	9,189	SH		SOLE		9,189	0	0
Amazon.Com Inc	COM	023135106	4,802,616	57,174	SH		SOLE		57,174	0	0
American Express	COM	025816109	3,699,463	25,039	SH		SOLE		24,089	0	950
American International Group	COM	026874784	263,648	4,169	SH		SOLE		4,169	0	0
American Tower Corp	COM	03027X100	233,046	1,100	SH		SOLE		1,100	0	0
Ameriprise Financial	COM	03076c106	235,084	755	SH		SOLE		755	0	0
Amerisourcebergen Corp Com	COM	03073E105	278,724	1,682	SH		SOLE		1,682	0	0
AMG Pantheon Private Equity Fd	COM	1114852D9	164,293	160,000	SH		SOLE		160,000	0	0
Amgen Inc	COM	031162100	2,721,607	10,363	SH		SOLE		10,363	0	0
Amyris Inc	COM	03236M200	23,746	15,520	SH		SOLE		15,520	0	0
Analog Devices	COM	032654105	249,490	1,521	SH		SOLE		1,521	0	0
Apple Inc	COM	037833100	30,522,186	234,913	SH		SOLE		234,913	0	0
Applied Materials	COM	038222105	613,007	6,295	SH		SOLE		6,295	0	0
Aptiv PLC	COM	g6095l109	666,904	7,161	SH		SOLE		7,161	0	0
ASML Holding NV - NY Reg	COM	N07059210	340,954	624	SH		SOLE		624	0	0
AT&T Inc	COM	00206R102	918,925	49,914	SH		SOLE		49,914	0	0
Automatic Data Processing	COM	053015103	1,285,783	5,383	SH		SOLE		5,258	0	125
Auxly Cannabis Group	COM	04957F101	703	47,500	SH		SOLE		47,500	0	0
Bank Of America Corp	COM	060505104	2,060,066	62,200	SH		SOLE		62,200	0	0
Becton Dickinson & Co	COM	075887109	245,908	967	SH		SOLE		967	0	0
Berkshire Hathaway Inc-CL B	COM	084670702	12,683,743	41,061	SH		SOLE		40,511	0	550
Blackrock Inc	COM	09247X101	4,690,422	6,619	SH		SOLE		6,619	0	0
Blackrock Short Maturity Bond	ETF	46431W507	1,830,627	37,155	SH		SOLE		35,955	0	1,200
Blackstone Inc	COM	09260D107	225,538	3,040	SH		SOLE		3,040	0	0
Boeing Co	COM	097023105	1,198,754	6,293	SH		SOLE		6,293	0	0
Booking Holdings Inc	COM	09857L108	253,925	126	SH		SOLE		126	0	0
Boyd Gaming Corporation	COM	103304101	253,565	4,650	SH		SOLE		4,650	0	0
Bridgebio Pharma Inc.	COM	10806x102	331,470	43,500	SH		SOLE		43,500	0	0
Bristol-Myers Squibb Co	COM	110122108	2,123,508	29,514	SH		SOLE		29,514	0	0
Broadcom Ltd	COM	11135F101	1,303,587	2,331	SH		SOLE		2,331	0	0
Caribou Biosciences Inc	COM	142038108	81,031	12,903	SH		SOLE		12,903	0	0
Caterpillar Incorporated	COM	149123101	971,051	4,053	SH		SOLE		4,053	0	0
CBD of Denver Inc	COM	12482B107	295	295,100	SH		SOLE		295,100	0	0
Chevron Corporation	COM	166764100	3,858,178	21,495	SH		SOLE		21,495	0	0
Chubb Ltd	COM	H1467J104	368,402	1,670	SH		SOLE		1,670	0	0
Cigna Corp	COM	125523100	250,824	757	SH		SOLE		757	0	0
CIM Opportunity Zone Fund LP	COM	13599Y105	151,508	150,000	SH		SOLE		150,000	0	0
Cisco Systems	COM	17275R102	3,714,764	77,976	SH		SOLE		77,976	0	0
Citigroup Inc	COM	172967424	964,665	21,328	SH		SOLE		21,328	0	0
Clarion Ventures Opp Zone Fd	COM	1BZ993102	150,000	150,000	SH		SOLE		150,000	0	0
Clorox Co	COM	189054109	739,436	5,269	SH		SOLE		5,269	0	0
Coca-Cola Co	COM	191216100	4,046,895	63,620	SH		SOLE		62,820	0	800
Colgate-Palmolive	COM	194162103	953,044	12,096	SH		SOLE		12,096	0	0
Comcast Corp Cl A	COM	20030N101	816,653	23,353	SH		SOLE		23,353	0	0
ConocoPhillips	COM	20825C104	622,869	5,279	SH		SOLE		5,179	0	100
Consolidated Edison	COM	209115104	293,841	3,083	SH		SOLE		3,083	0	0
Constellation Brands Inc - A	COM	21036P108	223,639	965	SH		SOLE		965	0	0
Cormedix Inc	COM	21900C308	42,200	10,000	SH		SOLE		10,000	0	0
Costco Wholesale Corp	COM	22160K105	2,061,515	4,516	SH		SOLE		4,516	0	0
CSX Corp	COM	126408103	1,624,498	52,437	SH		SOLE		52,437	0	0
Cummins Inc	COM	231021106	1,228,653	5,071	SH		SOLE		5,071	0	0
CVS Health Corp	COM	126650100	389,627	4,181	SH		SOLE		4,181	0	0
Danaher Corp	COM	235851102	661,957	2,494	SH		SOLE		2,494	0	0
Deere & Co	COM	244199105	896,537	2,091	SH		SOLE		2,091	0	0
Diageo Plc-Sponsored Adr	ADR	25243Q205	2,205,795	12,379	SH		SOLE		11,879	0	500
Dominion Energy Inc	COM	25746U109	664,529	10,837	SH		SOLE		10,837	0	0
Drone Guarder Inc	COM	26211L103	6	12,070	SH		SOLE		12,070	0	0
Duke Energy Corp	COM	26441C204	526,794	5,115	SH		SOLE		5,115	0	0
Eaton Corp PLC	COM	G29183103	597,195	3,805	SH		SOLE		3,805	0	0
Edgio Inc	COM	53261M104	19,871	17,585	SH		SOLE		17,585	0	0
Elanco Animal Health Inc	COM	28414H103	134,237	10,985	SH		SOLE		10,985	0	0
Elevance Health Inc	COM	036752103	771,507	1,504	SH		SOLE		1,504	0	0
Eli Lilly & Co	COM	532457108	1,262,148	3,450	SH		SOLE		3,450	0	0
Emerson Elec Co	COM	291011104	951,709	9,907	SH		SOLE		9,907	0	0
Energy Select Sector SPDR Fund	ETF	81369Y506	582,988	6,665	SH		SOLE		6,665	0	0
Enterprise Prods Partners Mast	COM	293792107	256,902	10,651	SH		SOLE		10,651	0	0
EOG Resources Inc	COM	26875P101	230,675	1,781	SH		SOLE		1,781	0	0
Exxon Mobil Corp	COM	30231G102	2,687,112	24,362	SH		SOLE		24,112	0	250
Fedex Corp	COM	31428X106	619,883	3,579	SH		SOLE		3,579	0	0
First Trust DJ Internet	ETF	33733e302	2,816,133	22,868	SH		SOLE		22,868	0	0
First Trust Ise Cloud Computin	ETF	33734X192	271,113	4,706	SH		SOLE		4,706	0	0
First Trust NASDAQ Cybersecuri	ETF	33734x846	3,279,710	84,725	SH		SOLE		84,725	0	0
First Trust NASDAQ Rising Divi	ETF	33738r506	3,074,004	69,991	SH		SOLE		68,466	0	1,525
First Trust NASDAQ Tech Div In	ETF	33738r118	334,460	7,000	SH		SOLE		7,000	0	0
First Trust New Opp MLP & Ener	COM	33739M100	113,682	18,790	SH		SOLE		18,790	0	0
First Trust Senior Loan ETF	ETF	33738d309	435,867	9,775	SH		SOLE		9,775	0	0
Flexshares Global Upstream Nat	ETF	33939L407	2,751,216	63,290	SH		SOLE		63,290	0	0
FlexShares iBoxx 3 Yr Target D	ETF	33939l506	5,415,409	230,247	SH		SOLE		229,732	0	515
Ford Motor Co	COM	345370860	130,710	11,239	SH		SOLE		11,239	0	0
Fuse Cobalt Inc	COM	36116V106	1,125	25,000	SH		SOLE		25,000	0	0
General Dynamics Corp	COM	369550108	409,898	1,652	SH		SOLE		1,652	0	0
General Electric	COM	369604301	309,353	3,692	SH		SOLE		3,692	0	0
General Mills	COM	370334104	2,605,429	31,073	SH		SOLE		31,073	0	0
General Motors	COM	37045V100	357,122	10,616	SH		SOLE		10,616	0	0
Gilead Sciences Inc	COM	375558103	1,494,595	17,409	SH		SOLE		17,409	0	0
Global Security & Intellige	COM	379369101	0	10,000	SH		SOLE		10,000	0	0
Global X Robotics & Artificial	ETF	37954y715	546,753	26,606	SH		SOLE		26,606	0	0
Goldman Sachs Group Inc	COM	38141G104	1,320,569	3,846	SH		SOLE		3,846	0	0
Graham Holdings Co-Class B	COM	384637104	321,440	532	SH		SOLE		532	0	0
Health Care Select Sector SP	ETF	81369Y209	367,746	2,707	SH		SOLE		2,707	0	0
Hemp Inc	COM	423703206	0	25,000	SH		SOLE		0	0	25,000
Hess Corp	COM	42809h107	286,902	2,023	SH		SOLE		2,023	0	0
Home Depot Inc	COM	437076102	4,788,681	15,161	SH		SOLE		15,161	0	0
Honeywell International	COM	438516106	996,596	4,650	SH		SOLE		4,650	0	0
Humana Inc Com	COM	444859102	273,509	534	SH		SOLE		534	0	0
iCapital Multi-Strategy Fd LP	COM	0DU991025	145,028	142,139	SH		SOLE		142,139	0	0
Icon Plc	COM	G4705A100	203,186	1,046	SH		SOLE		1,046	0	0
Illinois Tool Works Inc	COM	452308109	4,599,864	20,880	SH		SOLE		20,880	0	0
Intel Corp	COM	458140100	1,588,056	60,085	SH		SOLE		60,085	0	0
International Business Machine	COM	459200101	1,737,174	12,330	SH		SOLE		12,330	0	0
Intl Meta Sys	COM	45986B108	0	37,000	SH		SOLE		37,000	0	0
Intuit Inc	COM	461202103	365,478	939	SH		SOLE		939	0	0
Intuitive Surgical Inc	COM	46120e602	330,095	1,244	SH		SOLE		1,244	0	0
Invesco QQQ Trust Series I	ETF	46090E103	12,013,810	45,117	SH		SOLE		44,980	0	137
Invesco S&P 500 Equal Weight P	ETF	46137V357	7,419,950	52,531	SH		SOLE		52,336	0	195
Invesco Variable Rate Preferre	ETF	46138g870	564,967	25,233	SH		SOLE		25,233	0	0
IQ Merger Arbitrage	ETF	45409B800	1,378,827	43,455	SH		SOLE		43,455	0	0
Iridium Communications	COM	46269C102	205,600	4,000	SH		SOLE		4,000	0	0
iShares 1-5 Year Inv Gr Corpor	ETF	464288646	460,088	9,235	SH		SOLE		9,235	0	0
iShares Barclays 3-7 Yr Treasu	ETF	464288661	3,568,828	31,063	SH		SOLE		31,038	0	25
iShares Barclays Aggregate Bon	ETF	464287226	227,830	2,349	SH		SOLE		2,349	0	0
iShares COMEX Gold Trust	ETF	464285204	298,858	8,640	SH		SOLE		8,640	0	0
iShares Core Dividend Growth E	ETF	46434V621	769,218	15,384	SH		SOLE		15,384	0	0
iShares Core MSCI Emerging Mar	ETF	46434G103	823,321	17,630	SH		SOLE		17,630	0	0
iShares Core MSCI Total Intl S	ETF	46432f834	1,136,127	19,629	SH		SOLE		19,629	0	0
iShares Core S&P 500 Index Fun	ETF	464287200	11,766,098	30,624	SH		SOLE		30,376	0	248
iShares Core S&P S/C ETF	ETF	464287804	16,401,600	173,305	SH		SOLE		173,240	0	65
IShares Edge MSCI Intl Quality	ETF	46434v456	265,890	8,209	SH		SOLE		8,209	0	0
iShares Edge MSCI USA Momentum	ETF	46432f396	443,919	3,042	SH		SOLE		3,009	0	33
iShares ESG MSCI USA Small-Cap	ETF	46435U663	200,075	6,085	SH		SOLE		6,085	0	0
iShares Floating Rate Bond ETF	ETF	46429B655	723,443	14,374	SH		SOLE		14,374	0	0
iShares GSCI Commodity Indexed	ETF	46428r107	1,433,025	67,500	SH		SOLE		67,500	0	0
IShares High Dividend Eq Fd	ETF	46429b663	1,124,645	10,789	SH		SOLE		10,789	0	0
iShares Lehman 7-10 Year Bond	ETF	464287440	209,088	2,183	SH		SOLE		2,156	0	27
iShares MSCI ACWI ex US ETF	ETF	464288240	530,758	11,665	SH		SOLE		11,665	0	0
iShares MSCI ACWI Index Fund	ETF	464288257	684,472	8,064	SH		SOLE		8,064	0	0
iShares MSCI EAFE Small Cap In	ETF	464288273	5,427,055	96,088	SH		SOLE		96,088	0	0
iShares MSCI USA ESG Select	ETF	464288802	215,267	2,615	SH		SOLE		2,615	0	0
iShares MSCI USA Quality	ETF	46432F339	23,506,472	206,270	SH		SOLE		205,260	0	1,010
iShares Nasdaq Biotechnology I	ETF	464287556	239,998	1,828	SH		SOLE		1,828	0	0
iShares Preferred & Inc Securi	ETF	464288687	292,630	9,585	SH		SOLE		9,585	0	0
iShares Russell 1000 Growth In	ETF	464287614	398,665	1,861	SH		SOLE		1,861	0	0
iShares Russell 1000 Value Ind	ETF	464287598	636,930	4,200	SH		SOLE		4,200	0	0
iShares Russell Midcap Growth	ETF	464287481	264,388	3,163	SH		SOLE		3,163	0	0
iShares S&P Glbl Energy Sect	ETF	464287341	420,546	10,786	SH		SOLE		10,786	0	0
iShares S&P National AMT Free	ETF	464288414	301,365	2,856	SH		SOLE		2,856	0	0
iShares S&P Smallcap 600 Growt	ETF	464287887	351,988	3,257	SH		SOLE		3,257	0	0
iShares S&P Smallcap 600 Value	ETF	464287879	1,650,063	18,071	SH		SOLE		18,071	0	0
iShares Tr DJ Sel Div Inx	ETF	464287168	597,573	4,955	SH		SOLE		4,955	0	0
iShares Tr Russell 2000	ETF	464287655	8,665,957	49,702	SH		SOLE		49,702	0	0
Ishares Tr Russell Midcap	ETF	464287499	618,786	9,174	SH		SOLE		9,174	0	0
iShares Tr S&P 100 Index Fd	ETF	464287101	366,214	2,147	SH		SOLE		2,097	0	50
iShares Tr S&P Midcap 400	ETF	464287507	11,082,561	45,817	SH		SOLE		45,817	0	0
iShares Ultra Short-Term Bond	ETF	46434v878	250,200	5,000	SH		SOLE		5,000	0	0
Johnson & Johnson	COM	478160104	16,497,841	93,393	SH		SOLE		92,743	0	650
Johnson Controls International	COM	G51502105	223,040	3,485	SH		SOLE		3,485	0	0
JP Morgan Ultra-Short Income E	ETF	46641Q837	405,050	8,080	SH		SOLE		8,080	0	0
JPMorgan Chase & Co	COM	46625H100	5,646,189	42,104	SH		SOLE		41,604	0	500
JPMorgan Diversified Return US	ETF	46641Q845	446,672	11,530	SH		SOLE		11,530	0	0
JPMorgan Equity Premium ETF	ETF	46641Q332	17,003,169	312,042	SH		SOLE		311,957	0	85
Kimberly-Clark	COM	494368103	211,091	1,555	SH		SOLE		1,555	0	0
KLA Corp	COM	482480100	904,495	2,399	SH		SOLE		2,399	0	0
Lam Research	COM	512807108	412,314	981	SH		SOLE		981	0	0
Lexicon Pharmaceuticals Inc	COM	528872302	19,902	10,420	SH		SOLE		10,420	0	0
Linde PLC	COM	g5494j103	678,781	2,081	SH		SOLE		2,081	0	0
Lockheed Martin Corporation	COM	539830109	3,496,404	7,187	SH		SOLE		7,187	0	0
Lowe's Companies Inc	COM	548661107	1,378,342	6,918	SH		SOLE		6,918	0	0
Lumentum Holdings Inc	COM	55024u109	309,107	5,925	SH		SOLE		5,925	0	0
Lvmh Moet Hennessy-Unsp Adr	ADR	502441306	251,060	1,733	SH		SOLE		1,733	0	0
LyondellBasell Indus NV	COM	N53745100	627,541	7,558	SH		SOLE		7,558	0	0
Madison Square Garden Sports C	COM	55825T103	662,371	3,613	SH		SOLE		938	0	2,675
Marathon Petroleum Corp	COM	56585A102	578,575	4,971	SH		SOLE		4,971	0	0
Marsh & Mclennan	COM	571748102	750,011	4,532	SH		SOLE		4,532	0	0
Mastercard Inc Class A	COM	57636q104	5,674,305	16,318	SH		SOLE		16,318	0	0
Mazda Motor - Unsp ADR	ADR	578787103	37,600	10,000	SH		SOLE		10,000	0	0
McDonald's Corp	COM	580135101	5,006,317	18,997	SH		SOLE		18,997	0	0
McKesson Corp	COM	58155Q103	402,129	1,072	SH		SOLE		1,072	0	0
Medtronic PLC	COM	G5960L103	592,236	7,620	SH		SOLE		7,620	0	0
Merck & Co	COM	58933Y105	6,359,779	57,321	SH		SOLE		57,321	0	0
Meta Platforms Inc - A	COM	30303M102	1,438,304	11,952	SH		SOLE		11,952	0	0
Metlife Inc	COM	59156R108	238,676	3,298	SH		SOLE		3,298	0	0
Microsoft Corp	COM	594918104	20,526,999	85,593	SH		SOLE		84,893	0	700
Mondelez International Inc	COM	609207105	585,787	8,789	SH		SOLE		8,789	0	0
Monster Beverage Corp	COM	61174x109	215,041	2,118	SH		SOLE		2,118	0	0
Morgan Stanley	COM	617446448	4,397,149	51,719	SH		SOLE		51,499	0	220
Nestle Sa-Spons Adr	ADR	641069406	4,501,836	39,031	SH		SOLE		38,431	0	600
Netflix Inc	COM	64110L106	1,170,379	3,969	SH		SOLE		3,969	0	0
New Jersey Resource Corp	COM	646025106	1,137,028	22,915	SH		SOLE		22,915	0	0
Nextera Energy Inc	COM	65339F101	1,858,177	22,227	SH		SOLE		22,227	0	0
Nike Inc - B	COM	654106103	775,893	6,631	SH		SOLE		6,631	0	0
Norfolk Southern	COM	655844108	862,224	3,499	SH		SOLE		3,499	0	0
Northrop Grumman	COM	666807102	284,263	521	SH		SOLE		521	0	0
NorthStar HealthCare Income	COM	66799d107	73,250	25,000	SH		SOLE		25,000	0	0
Novartis AG - ADR	ADR	66987V109	444,709	4,902	SH		SOLE		4,402	0	500
NVIDIA Corp	COM	67066G104	2,748,005	18,804	SH		SOLE		18,804	0	0
Occidental Pete Corp	COM	674599105	203,169	3,225	SH		SOLE		3,225	0	0
OGE Energy Corp	COM	670837103	286,137	7,235	SH		SOLE		7,235	0	0
OneSpaWorld Holdings Ltd	COM	P73684113	106,175	11,380	SH		SOLE		11,380	0	0
Oracle Corp	COM	68389X105	884,590	10,822	SH		SOLE		10,822	0	0
O'Reilly Automotive Inc	COM	67103H107	267,558	317	SH		SOLE		317	0	0
Otis Worldwide Corp	COM	68902V107	264,140	3,373	SH		SOLE		3,373	0	0
Paramount Global	COM	92556H206	250,010	14,811	SH		SOLE		14,811	0	0
Paychex	COM	704326107	1,567,121	13,561	SH		SOLE		13,061	0	500
Pepsico Inc	COM	713448108	5,549,117	30,716	SH		SOLE		30,716	0	0
Pfizer Inc	COM	717081103	6,171,990	120,453	SH		SOLE		120,353	0	100
Philip Morris Intl	COM	718172109	593,900	5,868	SH		SOLE		5,868	0	0
Phillips 66	COM	718546104	411,324	3,952	SH		SOLE		3,902	0	50
PIMCO Total Return ETF	ETF	72201R775	496,464	5,487	SH		SOLE		5,487	0	0
Plug Power Inc	COM	72919P202	133,534	10,795	SH		SOLE		10,795	0	0
PNC Fincl Services Group	COM	693475105	2,287,168	14,481	SH		SOLE		14,481	0	0
PPL Corp	COM	69351T106	437,616	14,977	SH		SOLE		14,977	0	0
Procter & Gamble	COM	742718109	8,301,846	54,776	SH		SOLE		54,357	0	419
Progressive Corp	COM	743315103	259,679	2,002	SH		SOLE		2,002	0	0
Prologis Inc	COM	74340W103	241,919	2,146	SH		SOLE		2,146	0	0
Public Service Enterprise Grp	COM	744573106	404,443	6,601	SH		SOLE		6,601	0	0
Qorvo Inc	COM	74736k101	285,425	3,149	SH		SOLE		3,149	0	0
Qualcomm Inc	COM	747525103	638,532	5,808	SH		SOLE		5,808	0	0
Raymond James Financial Inc	COM	754730109	309,544	2,897	SH		SOLE		2,897	0	0
Raytheon Tech Corp	COM	75513e101	3,619,693	35,867	SH		SOLE		35,867	0	0
Regeneron Pharmaceuticals	COM	75886F107	474,740	658	SH		SOLE		658	0	0
Robo Global Robotics & Automat	ETF	301505707	680,819	14,695	SH		SOLE		14,695	0	0
Rockwell Automation Inc	COM	773903109	266,585	1,035	SH		SOLE		1,035	0	0
S & P Global Inc	COM	78409v104	390,205	1,165	SH		SOLE		1,165	0	0
Schlumberger Ltd	COM	806857108	242,334	4,533	SH		SOLE		4,533	0	0
Schwab US Broad Martket ETF	ETF	808524102	486,663	10,861	SH		SOLE		10,861	0	0
Schwab US DVD equity ETF	ETF	808524797	21,985,755	291,048	SH		SOLE		290,208	0	840
Schwab US Mid Cap ETF	ETF	808524508	2,071,892	31,579	SH		SOLE		31,579	0	0
Schwab US Small-Cap ETF	ETF	808524607	1,059,998	26,166	SH		SOLE		26,166	0	0
SeaGen Inc	COM	81181C104	456,853	3,555	SH		SOLE		3,555	0	0
Select Sector SPDR AMEX Consumer St	ETF	81369Y308	257,719	3,457	SH		SOLE		3,457	0	0
Select Sector SPDR AMEX Industrial	ETF	81369Y704	390,990	3,981	SH		SOLE		3,981	0	0
Select Sector SPDR AMEX Tech Select	ETF	81369Y803	758,216	6,093	SH		SOLE		6,093	0	0
Servicenow Inc	COM	81762P102	248,493	640	SH		SOLE		640	0	0
SJW Corp	COM	784305104	243,570	3,000	SH		SOLE		3,000	0	0
Southern Co	COM	842587107	328,343	4,598	SH		SOLE		4,598	0	0
SPDR Bloomberg Conv Secs ETF	ETF	78464a359	201,384	3,130	SH		SOLE		3,130	0	0
SPDR Doubleline Total Return T	ETF	78467V848	2,242,213	55,999	SH		SOLE		54,579	0	1,420
SPDR Dow Jones Indl Avrg ETF	ETF	78467X109	6,305,210	19,030	SH		SOLE		19,030	0	0
SPDR Gold Trust	ETF	78463V107	450,564	2,656	SH		SOLE		2,656	0	0
SPDR S & P Mid-Cap 400 ETF Tr	ETF	78467Y107	5,099,283	11,516	SH		SOLE		11,516	0	0
SPDR S&P 500 ETF Tr	ETF	78462F103	18,833,359	49,247	SH		SOLE		48,587	0	660
Spdr S&P Dividend Etf	ETF	78464A763	403,732	3,227	SH		SOLE		3,227	0	0
Starbucks Corp	COM	855244109	4,789,971	48,286	SH		SOLE		48,286	0	0
Stryker Corp	COM	863667101	315,392	1,290	SH		SOLE		1,240	0	50
Sysco Corp	COM	871829107	488,286	6,387	SH		SOLE		6,387	0	0
T Rowe Price Group Inc	COM	74144T108	684,788	6,279	SH		SOLE		6,279	0	0
Take-Two Interactive Software	COM	874054109	401,942	3,860	SH		SOLE		3,860	0	0
Target Corp	COM	87612E106	785,441	5,270	SH		SOLE		5,270	0	0
Tesla Inc	COM	88160r101	1,412,505	11,467	SH		SOLE		11,467	0	0
Texas Instruments Inc	COM	882508104	793,552	4,803	SH		SOLE		4,803	0	0
The Charles Schwab	COM	808513105	1,643,219	19,736	SH		SOLE		19,736	0	0
The Hershey Company	COM	427866108	332,303	1,435	SH		SOLE		1,435	0	0
Thermo Fisher Scientific Inc	COM	883556102	715,897	1,300	SH		SOLE		1,300	0	0
TJX Companies Inc	COM	872540109	545,897	6,858	SH		SOLE		6,858	0	0
T-Mobile US Inc	COM	872590104	236,040	1,686	SH		SOLE		1,686	0	0
Travelers Companies Inc	COM	89417E109	567,157	3,025	SH		SOLE		3,025	0	0
Truist Financial Corp	COM	89832q109	298,843	6,945	SH		SOLE		6,945	0	0
Unilever Plc-ADR	ADR	904767704	237,199	4,711	SH		SOLE		4,711	0	0
Union Pac Corp	COM	907818108	566,336	2,735	SH		SOLE		2,735	0	0
United Parcel Service -Cl B	COM	911312106	3,313,738	19,062	SH		SOLE		19,062	0	0
Unitedhealth Group Inc	COM	91324P102	4,259,466	8,034	SH		SOLE		8,034	0	0
US Bancorp New	COM	902973304	241,687	5,542	SH		SOLE		5,542	0	0
Valero Energy Corp New	COM	91913Y100	1,377,446	10,858	SH		SOLE		10,858	0	0
Valley National Bancorp	COM	919794107	145,922	12,902	SH		SOLE		12,902	0	0
Vanguard Bd Index Fd Tot Mkt	ETF	921937835	3,646,776	50,762	SH		SOLE		49,562	0	1,200
Vanguard Dividend Appreciation	ETF	921908844	755,585	4,976	SH		SOLE		4,976	0	0
Vanguard Energy ETF	ETF	92204A306	278,944	2,300	SH		SOLE		2,300	0	0
Vanguard ESG International Sto	ETF	921910725	358,349	7,285	SH		SOLE		7,285	0	0
Vanguard ESG US ETF	ETF	921910733	236,108	3,585	SH		SOLE		3,585	0	0
Vanguard Extended Market ETF	ETF	922908652	1,062,880	8,000	SH		SOLE		8,000	0	0
Vanguard FTSE ALL WO X-US SC	ETF	922042718	925,290	9,000	SH		SOLE		9,000	0	0
Vanguard FTSE All World Ex US	ETF	922042775	12,837,525	256,034	SH		SOLE		254,354	0	1,680
Vanguard FTSE Developed Market	ETF	921943858	14,235,720	339,188	SH		SOLE		339,188	0	0
Vanguard FTSE Emerging Markets	ETF	922042858	4,006,247	102,777	SH		SOLE		102,777	0	0
Vanguard FTSE Europe ETF	ETF	922042874	334,743	6,038	SH		SOLE		6,038	0	0
Vanguard Health Care ETF	ETF	92204A504	214,315	864	SH		SOLE		864	0	0
Vanguard High Div Yield ETF	ETF	921946406	26,312,234	243,159	SH		SOLE		242,584	0	575
Vanguard Interm-Term Govt Bd	ETF	92206C706	1,909,664	32,655	SH		SOLE		32,655	0	0
Vanguard Intl Hi Div Yield Ind	ETF	921946794	903,081	15,160	SH		SOLE		15,160	0	0
Vanguard Large Cap ETF	ETF	922908637	3,793,728	21,778	SH		SOLE		21,778	0	0
Vanguard Mid-Cap ETF	ETF	922908629	1,557,010	7,640	SH		SOLE		7,640	0	0
Vanguard REIT ETF	ETF	922908553	749,413	9,086	SH		SOLE		9,086	0	0
Vanguard S&P 500 ETF	ETF	922908363	7,633,213	21,726	SH		SOLE		21,726	0	0
Vanguard S&P 500 Growth ETF	ETF	921932505	632,820	3,000	SH		SOLE		3,000	0	0
Vanguard Short Term Corp Bond	ETF	92206C409	1,681,740	22,367	SH		SOLE		21,367	0	1,000
Vanguard Small-Cap ETF	ETF	922908751	19,412,587	105,768	SH		SOLE		105,501	0	267
Vanguard Tax Exempt Bond ETF	ETF	922907746	1,315,543	26,582	SH		SOLE		26,582	0	0
Vanguard Total Intl Stock Inde	ETF	921909768	2,855,215	55,205	SH		SOLE		55,205	0	0
Vanguard Total World Stock ETF	ETF	922042742	1,568,399	18,197	SH		SOLE		18,197	0	0
Vanguard US Total Stock Market	ETF	922908769	14,315,250	74,874	SH		SOLE		74,524	0	350
Verizon Communications	COM	92343V104	2,994,087	75,992	SH		SOLE		75,992	0	0
Visa Inc Class A Shares	COM	92826C839	2,174,208	10,465	SH		SOLE		10,465	0	0
Wal Mart Stores Inc	COM	931142103	6,318,812	44,565	SH		SOLE		44,265	0	300
Walgreens Boots Alliance Inc	COM	931427108	210,598	5,637	SH		SOLE		5,637	0	0
Walt Disney Co	COM	254687106	4,282,382	49,291	SH		SOLE		48,591	0	700
Waste Management Inc	COM	94106L109	659,680	4,205	SH		SOLE		3,555	0	650
Waters Corp	COM	941848103	596,432	1,741	SH		SOLE		1,741	0	0
Wells Fargo Company	COM	949746101	371,689	9,002	SH		SOLE		9,002	0	0
Welltower Inc	COM	95040q104	1,754,118	26,760	SH		SOLE		26,760	0	0
WisdomTree Bloomberg Fl Rate T	ETF	97717y527	301,369	5,995	SH		SOLE		5,995	0	0
Wisdomtree MidCap Dividend Fun	ETF	97717W505	1,290,809	31,376	SH		SOLE		31,376	0	0
Wisdomtree SmallCap Dividend F	ETF	97717W604	646,384	22,728	SH		SOLE		22,728	0	0
Zoetis Inc	COM	98978V103	376,340	2,568	SH		SOLE		2,568	0	0