Sterling Investment Advisors 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 Company	COM	604059105	169	1,239	SH		SOLE		0	0	1,239
Abbott Laboratories	COM	002824100	1,083	13,732	SH		SOLE		0	0	13,732
AbbVie Inc.	COM	00287Y109	1,131	14,845	SH		SOLE		0	0	14,845
ABIOMED Inc.	COM	003654100	21	150	SH		SOLE		0	0	150
Acasti Pharma Inc.	COM	00430K402	15	40,000	SH		SOLE		0	0	40,000
Accenture Ltd.	COM	G1151C101	63	389	SH		SOLE		0	0	389
Adaptec Inc.	COM	00651F108	55	2,000	SH		SOLE		0	0	2,000
Adobe Systems Inc.	COM	00724F101	431	1,357	SH		SOLE		0	0	1,357
Advanced Micro Devices	COM	007903107	204	4,500	SH		SOLE		0	0	4,500
AFLAC Inc.	COM	001055102	51	1,500	SH		SOLE		0	0	1,500
Akamai Technologies Inc.	COM	00971T101	1,843	20,150	SH		SOLE		0	0	20,150
Alcon Inc.	COM	H01301128	0	12	SH		SOLE		0	0	12
Aldeyra Therapeutics Inc.	COM	01438T106	0	345	SH		SOLE		0	0	345
Alexion Pharmaceuticals Inc.	COM	015351109	0	2	SH		SOLE		0	0	2
Alibaba Group Holdings Ltd.	ADS	01609W102	243	1,254	SH		SOLE		0	0	1,254
Align Technology Inc.	COM	016255101	832	4,786	SH		SOLE		0	0	4,786
Allergan plc	COM	018490102	14	81	SH		SOLE		0	0	81
Alphabet Inc. Class A	COM	02079K305	3,900	3,357	SH		SOLE		0	0	3,357
Alphabet Inc. Class C	COM	02079K107	1,475	1,269	SH		SOLE		0	0	1,269
ALPS Alerian MLP ETF	ETF	00162Q866	185	54,000	SH		SOLE		0	0	54,000
Altria Group Inc.	COM	02209S103	122	3,171	SH		SOLE		0	0	3,171
Amazon.com Inc.	COM	023135106	8,089	4,149	SH		SOLE		0	0	4,149
American Airlines Group Inc.	CALL	02376R902	8	20	SH	Call	SOLE		0	0	20
American Airlines Group Inc.	COM	02376R102	0	80	SH		SOLE		0	0	80
American Express	COM	025816109	128	1,500	SH		SOLE		0	0	1,500
American Tower Corp.	COM	03027X100	2,780	12,767	SH		SOLE		0	0	12,767
Amgen Inc.	COM	031162100	2,491	12,288	SH		SOLE		0	0	12,288
Annaly Capital Management Inc.	COM	035710409	14	2,801	SH		SOLE		0	0	2,801
Aphria Inc.	COM	03765K104	0	40	SH		SOLE		0	0	40
Apple Inc.	COM	037833100	12,960	50,967	SH		SOLE		0	0	50,967
Applied Materials	COM	038222105	112	2,450	SH		SOLE		0	0	2,450
Arbutus Biopharma Corp.	COM	03879J100	4	4,000	SH		SOLE		0	0	4,000
Ares Capital Corp.	COM	04010L103	161	14,962	SH		SOLE		0	0	14,962
Argo Group International Holdings Ltd.	COM	G0464B107	18	500	SH		SOLE		0	0	500
AT&T Inc.	COM	00206R102	145	4,996	SH		SOLE		0	0	4,996
Aurora Cannabis Inc.	COM	05156X108	0	100	SH		SOLE		0	0	100
Automatic Data Processing	COM	053015103	86	630	SH		SOLE		0	0	630
AVEO Pharmaceuticals Inc.	COM	053588109	0	6	SH		SOLE		0	0	6
Axcelis Technologies	COM	054540109	36	2,000	SH		SOLE		0	0	2,000
Baidu Inc.	ADS	056752108	0	9	SH		SOLE		0	0	9
Balchem Corp.	COM	057665200	19	200	SH		SOLE		0	0	200
Bank of America Corp.	COM	066050105	83	3,935	SH		SOLE		0	0	3,935
Baxter International Inc.	COM	071813109	761	9,378	SH		SOLE		0	0	9,378
Becton Dickinson and Co.	COM	075887109	57	250	SH		SOLE		0	0	250
Berkshire Hathaway B	COM	084670702	2,757	15,084	SH		SOLE		0	0	15,084
Beyond Meat Inc.	COM	08862E109	0	3	SH		SOLE		0	0	3
BiondVax Pharmaceuticals Ltd.	ADS	09073Q105	0	20	SH		SOLE		0	0	20
BlackRock Inc.	COM	09247X101	1,934	4,398	SH		SOLE		0	0	4,398
Blackrock Science & Technology Trust II	CEF	09260K101	0	6	SH		SOLE		0	0	6
Blink Charging Co.	COM	09354A100	0	250	SH		SOLE		0	0	250
BlueStar TA-BIGITech Israel Tech. ETF	ETF	26924G870	14	400	SH		SOLE		0	0	400
Bookings Holdings Inc.	COM	09857L108	24	18	SH		SOLE		0	0	18
Booz Allen Hamilton Holding Corp.	COM	099502106	137	2,000	SH		SOLE		0	0	2,000
Bristol-Myers Squibb Co.	COM	110122108	135	2,425	SH		SOLE		0	0	2,425
Broadcom Inc.	COM	11135F101	23	100	SH		SOLE		0	0	100
Brookfield Infrastructure Corp.	COM	11275Q107	1	55	SH		SOLE		0	0	55
Brookfield Infrastructure Partners L.P.	COM	G16252101	17	500	SH		SOLE		0	0	500
C.H. Robinson Worldwide Inc.	COM	12541W209	8	125	SH		SOLE		0	0	125
Cabot Oil & Gas Corp.	COM	127097103	22	1,280	SH		SOLE		0	0	1,280
Camden Property Trust	COM	133131102	15	200	SH		SOLE		0	0	200
Canopy Growth Corp.	COM	138035100	3	247	SH		SOLE		0	0	247
Carnival Corporation	COM	143658102	4	337	SH		SOLE		0	0	337
Caterpillar Inc.	COM	149123101	321	2,774	SH		SOLE		0	0	2,774
Celanese Corp.	COM	150870103	7	104	SH		SOLE		0	0	104
Centrus Energy Corp.	COM	15643U104	0	40	SH		SOLE		0	0	40
CenturyLink Inc.	COM	156700106	6	683	SH		SOLE		0	0	683
Cerus Corp.	COM	157085101	11	2,500	SH		SOLE		0	0	2,500
Charter Communications Inc.	COM	16119P108	38	89	SH		SOLE		0	0	89
Chevron Corp.	COM	166764100	745	10,289	SH		SOLE		0	0	10,289
CIGNA Corp.	COM	125509109	185	1,049	SH		SOLE		0	0	1,049
Cisco Systems	COM	17275R102	486	12,380	SH		SOLE		0	0	12,380
Citigroup Inc.	COM	172967424	235	5,603	SH		SOLE		0	0	5,603
Cloudflare Inc.	COM	18915M107	46	2,000	SH		SOLE		0	0	2,000
CME Group Inc.	COM	12572Q105	17	100	SH		SOLE		0	0	100
Cognizant Technology Solutions Corp.	COM	192446102	37	800	SH		SOLE		0	0	800
Colgate-Palmolive Company	COM	194162103	71	1,077	SH		SOLE		0	0	1,077
Comcast Corp. Class A	COM	20030N101	1,287	37,453	SH		SOLE		0	0	37,453
Communications Select Sector SPDR ETF	ETF	81369Y852	18	415	SH		SOLE		0	0	415
Compugen Ltd.	COM	M25722105	14	2,000	SH		SOLE		0	0	2,000
ConocoPhillips	COM	20825c104	54	1,768	SH		SOLE		0	0	1,768
CoreLogic Inc.	COM	21871D103	30	986	SH		SOLE		0	0	986
Corning Inc.	COM	219350105	503	24,525	SH		SOLE		0	0	24,525
Corteva Inc.	COM	22052L104	17	738	SH		SOLE		0	0	738
Costco Wholesale Corp.	COM	22160K105	1,146	4,021	SH		SOLE		0	0	4,021
Cree Inc.	COM	225447101	70	2,000	SH		SOLE		0	0	2,000
CrowdStrike Holdings Inc.	COM	22788C105	2,365	42,475	SH		SOLE		0	0	42,475
Cummins Inc.	COM	231021106	984	7,275	SH		SOLE		0	0	7,275
Curis Inc.	COM	231269200	9	13,000	SH		SOLE		0	0	13,000
CVS Health Corp.	COM	126650100	2,030	34,226	SH		SOLE		0	0	34,226
DASAN Zhone Solutions Inc.	COM	23305L206	2	500	SH		SOLE		0	0	500
Deere & Company	COM	244199105	4	36	SH		SOLE		0	0	36
Delta Air Lines Inc.	COM	247361108	10	378	SH		SOLE		0	0	378
Deutsche MSCI EAFE Hedged Equity ETF	ETF	233051200	33	1,232	SH		SOLE		0	0	1,232
DexCom Inc.	COM	252131107	9	37	SH		SOLE		0	0	37
Diageo plc	ADS	25243Q205	746	5,871	SH		SOLE		0	0	5,871
Digital Realty Trust Inc.	COM	253868103	42	303	SH		SOLE		0	0	303
Digital Turbine Inc.	COM	25400W102	172	40,000	SH		SOLE		0	0	40,000
Dollar General Corporation	COM	256669102	19	132	SH		SOLE		0	0	132
Dominion Resources	COM	25746U109	294	4,079	SH		SOLE		0	0	4,079
Dow Inc.	COM	260557103	84	2,904	SH		SOLE		0	0	2,904
Dropbox Inc.	COM	26210C104	1	100	SH		SOLE		0	0	100
Duke Energy Corporation	COM	264399106	15	192	SH		SOLE		0	0	192
Dunkin Brands Group Inc.	COM	265504100	1	30	SH		SOLE		0	0	30
DuPont de Nemours Inc.	COM	263534109	32	939	SH		SOLE		0	0	939
Eastman Chemical Co.	COM	277432100	18	400	SH		SOLE		0	0	400
Eaton Corp.	COM	278058102	693	8,925	SH		SOLE		0	0	8,925
Electronic Arts Inc.	COM	285512109	5	50	SH		SOLE		0	0	50
Eli Lilly & Co.	COM	532457108	233	1,680	SH		SOLE		0	0	1,680
Emerson Electric Co.	COM	291011104	755	15,845	SH		SOLE		0	0	15,845
Energy Select Sector SPDR ETF	ETF	81369Y506	4	150	SH		SOLE		0	0	150
Energy Transfer L.P.	COM	29273V100	51	11,184	SH		SOLE		0	0	11,184
Enterprise Products Partners L.P.	COM	293792107	93	6,530	SH		SOLE		0	0	6,530
EPAM Systems Inc.	COM	29414B104	186	1,003	SH		SOLE		0	0	1,003
Essential Utilities Inc.	COM	29670G102	1,621	39,844	SH		SOLE		0	0	39,844
ETFMG Video Game Tech ETF	ETF	26924G706	2	50	SH		SOLE		0	0	50
Etsy Inc.	COM	29786A106	76	2,000	SH		SOLE		0	0	2,000
Exelon Corporation	COM	30161N101	94	2,558	SH		SOLE		0	0	2,558
Exxon Mobil Corp.	COM	30231G102	369	9,732	SH		SOLE		0	0	9,732
F5 Networks Inc.	COM	315616102	10	100	SH		SOLE		0	0	100
Facebook Inc.	COM	30303M102	282	1,691	SH		SOLE		0	0	1,691
Fastenal Company	COM	311900104	3	100	SH		SOLE		0	0	100
Fifth Third Bancorp	COM	316773100	26	1,800	SH		SOLE		0	0	1,800
Financial Select Sector SPDR ETF	ETF	81369Y605	10	506	SH		SOLE		0	0	506
FireEye Inc.	COM	31816QAB7	41	3,950	SH		SOLE		0	0	3,950
First Industrial Realty Trust Inc.	COM	32054K103	33	1,000	SH		SOLE		0	0	1,000
First Interstate BancSystem Inc.	COM	32055Y201	24	842	SH		SOLE		0	0	842
First Solar Inc.	COM	336433107	86	2,400	SH		SOLE		0	0	2,400
First Trust Dow Jones Internet Index ETF	ETF	33733E302	15	128	SH		SOLE		0	0	128
First Trust Large Cap Core AlphaDEX ETF	ETF	33734K109	878	18,435	SH		SOLE		0	0	18,435
First Trust Low Duration Opportunities ETF	ETF	33739Q200	510	10,000	SH		SOLE		0	0	10,000
First Trust Mid Cap Core AlphaDEX ETF	ETF	33735B108	1,261	26,167	SH		SOLE		0	0	26,167
First Trust N.A. Energy Infrastructure ETF	ETF	33738D101	53	3,000	SH		SOLE		0	0	3,000
Firsthand Technology Value Fund Inc.	COM	33766Y100	2	800	SH		SOLE		0	0	800
Five9 Inc.	COM	338307101	1,238	16,200	SH		SOLE		0	0	16,200
Flexion Therapeutics Inc.	COM	33938J106	0	23	SH		SOLE		0	0	23
FlexShares Quality Dividend ETF	ETF	33939L860	17	500	SH		SOLE		0	0	500
FNCB Bancorp Inc.	COM	302578109	25	3,655	SH		SOLE		0	0	3,655
Frontdoor Inc.	COM	35905A109	69	2,000	SH		SOLE		0	0	2,000
FS KKR Capital Corp.	COM	302635107	1	500	SH		SOLE		0	0	500
General Electric	COM	369604103	5	750	SH		SOLE		0	0	750
General Mills Inc.	COM	370334104	1,846	35,000	SH		SOLE		0	0	35,000
Gilead Sciences Inc.	COM	375558103	799	10,700	SH		SOLE		0	0	10,700
GlaxoSmithKline plc	ADS	37733W105	1	33	SH		SOLE		0	0	33
Global X Lithium & Battery Tech ETF	ETF	37954Y855	41	1,925	SH		SOLE		0	0	1,925
Global X Robotics & A.I. ETF	ETF	37954Y715	76	4,200	SH		SOLE		0	0	4,200
Global X S&P 500 Catholic Values ETF	ETF	37954Y889	9	300	SH		SOLE		0	0	300
Globus Medical Inc.	COM	379577208	11,420	268,523	SH		SOLE		0	0	268,523
Goldman Sachs BDC Inc.	COM	38147U107	719	58,333	SH		SOLE		0	0	58,333
Goldman Sachs Group	COM	38141G104	102	665	SH		SOLE		0	0	665
Goodrich Petroleum Corp.	COM	382410843	0	1	SH		SOLE		0	0	1
Grayscale Bitcoin Trust	COM	389637109	3	500	SH		SOLE		0	0	500
GW Pharmaceuticals	ADS	36197T103	3	40	SH		SOLE		0	0	40
H&R Block Inc.	COM	093671105	5	400	SH		SOLE		0	0	400
Halliburton Company	COM	406216101	2	300	SH		SOLE		0	0	300
Hartford Financial Svcs.	COM	416515104	3	100	SH		SOLE		0	0	100
Health Care Select Sector SPDR ETF	ETF	81369Y209	38	433	SH		SOLE		0	0	433
Hercules Capital Inc.	COM	427096508	296	38,800	SH		SOLE		0	0	38,800
Himax Technologies Inc.	ADS	43289P106	4	1,500	SH		SOLE		0	0	1,500
Honeywell International Inc.	COM	438516106	1,576	11,780	SH		SOLE		0	0	11,780
Hormel Foods Corp.	COM	440452100	12	270	SH		SOLE		0	0	270
IBM	COM	459200101	37	337	SH		SOLE		0	0	337
ICU Medical Inc.	COM	44930G107	25	125	SH		SOLE		0	0	125
Illinois Tool Works Inc.	COM	452308109	148	1,045	SH		SOLE		0	0	1,045
Illumina Inc.	COM	452327109	731	2,680	SH		SOLE		0	0	2,680
India Fund Inc.	CEF	454089103	6	445	SH		SOLE		0	0	445
Innovator IBD 50 ETF	ETF	45782C102	142	5,100	SH		SOLE		0	0	5,100
Intel Corp.	COM	458140100	1,840	34,005	SH		SOLE		0	0	34,005
International Paper	COM	460146103	10	330	SH		SOLE		0	0	330
Invesco QQQ ETF	ETF	631100104	160	845	SH		SOLE		0	0	845
Invesco S&P 500 Eq. Weight Health Care ETF	ETF	46137V332	128	680	SH		SOLE		0	0	680
iShares Barclays Aggregate Bond ETF	ETF	464289859	125	1,085	SH		SOLE		0	0	1,085
iShares Barclays TIPS Bond ETF	ETF	464287176	212	1,805	SH		SOLE		0	0	1,805
iShares Cohen & Steers Realty Index ETF	ETF	464287564	439	4,800	SH		SOLE		0	0	4,800
iShares Core MSCI EAFE ETF	ETF	46432F842	24	500	SH		SOLE		0	0	500
iShares Core S&P Small-Cap ETF	ETF	464287150	4,161	74,173	SH		SOLE		0	0	74,173
iShares Dow Jones Select Divid. Index ETF	ETF	464287846	212	2,887	SH		SOLE		0	0	2,887
iShares Global Clean Energy ETF	ETF	464288224	19	2,000	SH		SOLE		0	0	2,000
iShares Global Infrastructure ETF	ETF	464288372	132	3,875	SH		SOLE		0	0	3,875
iShares GS USD InvesTop Corporate Bond ETF	ETF	464287242	102	828	SH		SOLE		0	0	828
iShares iBoxx USD High Yield Corp. Bond ETF	ETF	464288513	30	400	SH		SOLE		0	0	400
iShares Intermed.-Term Corporate Bond ETF	ETF	464288638	87	1,600	SH		SOLE		0	0	1,600
iShares Intl Developed Property ETF	ETF	464288422	195	7,007	SH		SOLE		0	0	7,007
iShares MBS ETF	ETF	464288588	37	339	SH		SOLE		0	0	339
iShares MSCI ACWI Index ETF	ETF	464288240	9	159	SH		SOLE		0	0	159
iShares MSCI EAFE ESG Optimized ETF	ETF	46435G516	112	2,123	SH		SOLE		0	0	2,123
iShares MSCI EAFE Index ETF	ETF	464287465	273	5,121	SH		SOLE		0	0	5,121
iShares MSCI EAFE Minimum Volatility ETF	ETF	46429B689	187	3,025	SH		SOLE		0	0	3,025
iShares MSCI Emerg. Mkts. Min. Volat. ETF	ETF	464286533	37	800	SH		SOLE		0	0	800
iShares MSCI Emerging Markets ETF	ETF	464287234	62	1,820	SH		SOLE		0	0	1,820
iShares MSCI KLD 400 Social Index ETF	ETF	464288570	190	1,956	SH		SOLE		0	0	1,956
iShares Nasdaq Biotechnology ETF	ETF	464287556	9	90	SH		SOLE		0	0	90
iShares Russell 1000 Index ETF	ETF	464287655	27	192	SH		SOLE		0	0	192
iShares Russell 2000 Index ETF	ETF	464287655	48	424	SH		SOLE		0	0	424
iShares Russell Mid-Cap Growth ETF	ETF	464287481	59	491	SH		SOLE		0	0	491
iShares Russell MidCap Index ETF	ETF	464287499	17	400	SH		SOLE		0	0	400
iShares Russell Mid-Cap Value ETF	ETF	464287473	27	434	SH		SOLE		0	0	434
iShares S&P Mid Cap 400 Index ETF	ETF	464287507	158	1,100	SH		SOLE		0	0	1,100
iShares S&P Mid-Cap 400 Growth ETF	ETF	464287606	19	110	SH		SOLE		0	0	110
iShares S&P MidCap 400 Value Index ETF	ETF	464287705	16	154	SH		SOLE		0	0	154
iShares S&P National Municipal Bond ETF	ETF	464288414	1,048	9,274	SH		SOLE		0	0	9,274
iShares S&P SmallCap 600 Growth Index ETF	ETF	464287887	42	307	SH		SOLE		0	0	307
iShares S&P SmallCap 600 Value Index ETF	ETF	464287879	13	135	SH		SOLE		0	0	135
iShares S&P US Preferred Stock Index ETF	ETF	464288687	4,090	128,478	SH		SOLE		0	0	128,478
iShares Short-Term Corporate Bond ETF	ETF	464288646	85	1,641	SH		SOLE		0	0	1,641
iShares Short-Term National Muni Bond ETF	ETF	464288158	72	681	SH		SOLE		0	0	681
iShares Silver Trust ETF	ETF	46428Q109	32	2,500	SH		SOLE		0	0	2,500
Jefferies Financial Group Inc.	COM	47233W109	51	3,782	SH		SOLE		0	0	3,782
Johnson & Johnson	COM	478160104	6,708	51,161	SH		SOLE		0	0	51,161
JPMorgan Chase & Co.	COM	46625H100	2,291	25,448	SH		SOLE		0	0	25,448
JPMorgan Ultra-Short Income ETF	ETF	46641Q837	6,793	136,763	SH		SOLE		0	0	136,763
Kimberly-Clark Corp.	COM	494368103	118	927	SH		SOLE		0	0	927
Kinder Morgan Inc.	COM	49456B101	1,253	90,083	SH		SOLE		0	0	90,083
KKR & Co.	COM	48248M102	1,756	74,848	SH		SOLE		0	0	74,848
Kohls Corporation	COM	500255104	0	15	SH		SOLE		0	0	15
Kraft Heinz Company	COM	500754106	3	133	SH		SOLE		0	0	133
Laboratory Corp. of America Holdings	COM	50540R409	25	200	SH		SOLE		0	0	200
LAM Research Corp.	COM	512807108	49	207	SH		SOLE		0	0	207
Landmark Bancorp Inc.	COM	51504L107	4	500	SH		SOLE		0	0	500
Las Vegas Sands Corp.	COM	517834107	850	20,030	SH		SOLE		0	0	20,030
Legg Mason Low Volatility High Div. ETF	ETF	52468L406	46	1,800	SH		SOLE		0	0	1,800
Leidos Holdings Inc.	COM	525327102	0	5	SH		SOLE		0	0	5
Levi Strauss & Co.	COM	52736R102	0	2	SH		SOLE		0	0	2
Linde AG	COM	G5494J103	12	75	SH		SOLE		0	0	75
Livongo Health Inc.	COM	539183103	119	4,200	SH		SOLE		0	0	4,200
Lockheed Martin Corp.	COM	539830109	232	687	SH		SOLE		0	0	687
Louisiana-Pacific Corp.	COM	546347105	5	320	SH		SOLE		0	0	320
Lowes Companies Inc.	COM	548661107	1,455	16,913	SH		SOLE		0	0	16,913
Lyft Inc.	COM	55087P104	0	10	SH		SOLE		0	0	10
Magellan Midstream Partners L.P.	COM	559080106	18	500	SH		SOLE		0	0	500
Magna International Inc.	COM	559222401	10	334	SH		SOLE		0	0	334
Manhattan Associates Inc.	COM	562750109	99	2,000	SH		SOLE		0	0	2,000
Marathon Petroleum Corp.	COM	56585A102	2	123	SH		SOLE		0	0	123
MasterCard Inc.	COM	57636Q104	24	100	SH		SOLE		0	0	100
Match Group Inc.	COM	57665R106	0	4	SH		SOLE		0	0	4
McDonalds Corp.	COM	580135101	642	3,887	SH		SOLE		0	0	3,887
Medtronic plc	COM	G5960L103	72	800	SH		SOLE		0	0	800
Merck & Co. Inc.	COM	589331107	1,749	22,733	SH		SOLE		0	0	22,733
Meridian Bank	COM	587405101	20	1,500	SH		SOLE		0	0	1,500
MetLife Inc.	COM	59156R108	30	1,000	SH		SOLE		0	0	1,000
Micron Technology Inc.	COM	595112103	96	2,300	SH		SOLE		0	0	2,300
Microsoft Corp.	COM	594918104	4,095	25,969	SH		SOLE		0	0	25,969
MiMedx Group Inc.	COM	602496101	7	2,200	SH		SOLE		0	0	2,200
Mondelez International Inc.	COM	609207105	1,201	23,989	SH		SOLE		0	0	23,989
Nabriva Therapeutics plc	COM	G63637105	17	30,000	SH		SOLE		0	0	30,000
National Fuel Gas Co.	COM	636180101	0	2	SH		SOLE		0	0	2
Nektar Therapeutics	COM	640268108	13	750	SH		SOLE		0	0	750
Netflix Inc.	COM	64110L106	88	235	SH		SOLE		0	0	235
Newmont Goldcorp Corp.	COM	651639106	29	656	SH		SOLE		0	0	656
NextEra Energy Inc.	COM	65339F101	50	211	SH		SOLE		0	0	211
Nike Inc.	COM	654106103	1,729	20,899	SH		SOLE		0	0	20,899
Northrop Grumman Corp.	COM	666807102	90	300	SH		SOLE		0	0	300
NortonLifeLock Inc.	COM	668771108	18	1,007	SH		SOLE		0	0	1,007
Novartis AG	ADS	66987V109	5	63	SH		SOLE		0	0	63
Nuveen Intermed. Duration Muni. Term Fund	CEF	670671106	740	57,000	SH		SOLE		0	0	57,000
Nuveen Maryland Quality Muni. Income Fund	CEF	67061Q107	6	484	SH		SOLE		0	0	484
Nuveen Municipal Credit Income Fund	CEF	67070X101	7	516	SH		SOLE		0	0	516
Nuveen Municipal Value Fund Inc.	CEF	670928100	4	500	SH		SOLE		0	0	500
Nuveen Pennsylvania Municipal Value Fund	CEF	67074K105	41	3,200	SH		SOLE		0	0	3,200
Nuveen Quality Municipal Income Fund	CEF	67066V101	6	500	SH		SOLE		0	0	500
Nuveen Taxable Municipal Income Fund	CEF	67074C103	20	1,092	SH		SOLE		0	0	1,092
NVIDIA Corp.	COM	67066G104	263	1,001	SH		SOLE		0	0	1,001
Nymox Pharmaceutical Corp.	COM	P73398102	5	2,500	SH		SOLE		0	0	2,500
Oracle Corp.	COM	68389X105	595	12,313	SH		SOLE		0	0	12,313
Oramed Pharmaceuticals Inc.	COM	68403P203	9	3,150	SH		SOLE		0	0	3,150
OReilly Automotive Inc.	COM	67103H107	45	150	SH		SOLE		0	0	150
Park Aerospace Corp.	COM	70014A104	0	11	SH		SOLE		0	0	11
Paychex Inc.	COM	704326107	1,369	21,770	SH		SOLE		0	0	21,770
PayPal Holdings Inc.	COM	70450Y103	38	398	SH		SOLE		0	0	398
Peloton Interactive Inc.	COM	70614W100	5	200	SH		SOLE		0	0	200
Penn National Gaming Inc.	COM	707569109	18	1,480	SH		SOLE		0	0	1,480
Peoples Financial Services Corp.	COM	711040105	39	1,004	SH		SOLE		0	0	1,004
PepsiCo Inc.	COM	713448108	1,710	14,245	SH		SOLE		0	0	14,245
PetMed Express Inc.	COM	716382106	67	2,350	SH		SOLE		0	0	2,350
Pfizer Inc.	COM	717081103	1,411	43,243	SH		SOLE		0	0	43,243
Philip Morris International Inc.	COM	718172109	63	869	SH		SOLE		0	0	869
Phillips 66	COM	718546104	57	1,073	SH		SOLE		0	0	1,073
Piedmont Office Realty Trust Inc.	COM	720190206	30	1,720	SH		SOLE		0	0	1,720
PIMCO Strategic Income Fund Inc.	CEF	72200X104	62	10,326	SH		SOLE		0	0	10,326
PNC Financial Services Group Inc.	COM	693475105	32	343	SH		SOLE		0	0	343
Positive Physicians Holdings Inc.	COM	73740G106	25	2,500	SH		SOLE		0	0	2,500
PPG Industries	COM	693506107	100	1,200	SH		SOLE		0	0	1,200
PPL Corp.	COM	69351T106	1,617	65,535	SH		SOLE		0	0	65,535
Proofpoint Inc.	COM	743424103	30	300	SH		SOLE		0	0	300
ProShares Pet Care ETF	ETF	74348A145	1	40	SH		SOLE		0	0	40
ProShares S&P 500 Dividend Aristocrats ETF	ETF	74348A467	0	12	SH		SOLE		0	0	12
ProShares Ultra Technology ETF	ETF	74347R693	16	150	SH		SOLE		0	0	150
Public Service Enterprise Group Inc.	COM	744573106	13	300	SH		SOLE		0	0	300
Public Storage	COM	74460D109	1,114	5,611	SH		SOLE		0	0	5,611
Qorvo Inc.	COM	74736K101	24	300	SH		SOLE		0	0	300
QUALCOMM Inc.	CALL	747525903	12	9	SH	Call	SOLE		0	0	9
QUALCOMM Inc.	COM	747525103	68	1,006	SH		SOLE		0	0	1,006
Quanta Services Inc.	COM	74762E102	33	1,058	SH		SOLE		0	0	1,058
Quantum Materials Corp.	COM	747906501	2	100,000	SH		SOLE		0	0	100,000
RADA Electronic Industries Ltd.	COM	M81863124	31	9,000	SH		SOLE		0	0	9,000
Raytheon Co.	COM	755111507	22	174	SH		SOLE		0	0	174
Real Estate Select Sector SPDR ETF	ETF	81369Y860	9	294	SH		SOLE		0	0	294
Realty Income Corp.	COM	756109104	28	581	SH		SOLE		0	0	581
Reaves Utility Income Fund	CEF	756158101	63	2,220	SH		SOLE		0	0	2,220
Regeneron Pharmaceuticals Inc.	COM	75886F107	501	1,028	SH		SOLE		0	0	1,028
Rio Tinto plc	ADS	767204100	31	700	SH		SOLE		0	0	700
RLI Corp.	COM	749607107	9	104	SH		SOLE		0	0	104
Robo Global Robotics & Automation ETF	ETF	301505707	53	1,590	SH		SOLE		0	0	1,590
Roku Inc.	COM	77543R102	292	3,345	SH		SOLE		0	0	3,345
Ross Stores Inc.	COM	778296103	13	150	SH		SOLE		0	0	150
Royal Carribean Cruises Ltd.	COM	V7780T103	4	150	SH		SOLE		0	0	150
Royal Dutch Shell plc A	ADS	780259206	31	900	SH		SOLE		0	0	900
Royal Dutch Shell plc B	ADS	780259107	20	631	SH		SOLE		0	0	631
salesforce.com inc.	COM	79466L302	57	400	SH		SOLE		0	0	400
Sanofi-Aventis	ADS	80105N105	17	400	SH		SOLE		0	0	400
Sarepta Therapeutics Inc.	COM	803607100	29	300	SH		SOLE		0	0	300
Schwab Emerging Markets Equity ETF	ETF	808524706	9	442	SH		SOLE		0	0	442
Schwab International Equity ETF	ETF	808524805	8	339	SH		SOLE		0	0	339
Schwab U.S. Broad Market ETF	ETF	808524102	90	1,502	SH		SOLE		0	0	1,502
Schwab U.S. Large Cap ETF	ETF	808524201	50	832	SH		SOLE		0	0	832
Schwab U.S. Mid-Cap ETF	ETF	808524508	17	414	SH		SOLE		0	0	414
Sculptor Capital Management Inc.	COM	811246107	10	750	SH		SOLE		0	0	750
SecureWorks Corp.	COM	81374A105	1	150	SH		SOLE		0	0	150
SEI Investments Co.	COM	784117103	46	1,011	SH		SOLE		0	0	1,011
Seneca Biopharma Inc.	COM	81689B103	0	5	SH		SOLE		0	0	5
ShockWave Medical Inc.	COM	82489T104	6	200	SH		SOLE		0	0	200
Shopify Inc.	COM	82509L107	1,342	3,220	SH		SOLE		0	0	3,220
SIRIUS XM Radio Inc.	COM	82966U103	2	430	SH		SOLE		0	0	430
Skyworks Solutions Inc.	COM	83088M102	22	250	SH		SOLE		0	0	250
Slack Technologies Inc.	COM	83088V102	33	1,240	SH		SOLE		0	0	1,240
Snap Inc.	COM	833034101	7	617	SH		SOLE		0	0	617
Southwest Airlines Co.	COM	844741108	1	30	SH		SOLE		0	0	30
SPDR Barclays Convertible Securities ETF	ETF	78464A359	3,538	73,936	SH		SOLE		0	0	73,936
SPDR Dow Jones Global Real Estate ETF	ETF	78463X749	20	582	SH		SOLE		0	0	582
SPDR Gold Shares ETF	ETF	78463V107	4,859	32,820	SH		SOLE		0	0	32,820
SPDR Portfolio Mid Cap ETF	ETF	78464A847	509	20,100	SH		SOLE		0	0	20,100
SPDR S&P 500 ETF	ETF	78462f103	926	3,596	SH		SOLE		0	0	3,596
SPDR S&P 500 Growth ETF	ETF	78464A409	4	135	SH		SOLE		0	0	135
SPDR S&P Aerospace & Defense ETF	ETF	78464A631	7	100	SH		SOLE		0	0	100
SPDR S&P MidCap 400 ETF	ETF	464287507	1,923	7,317	SH		SOLE		0	0	7,317
Spectrum Brands Holdings Inc.	COM	84790A105	3	94	SH		SOLE		0	0	94
Splunk Inc.	COM	848637104	252	2,000	SH		SOLE		0	0	2,000
Spotify Technology S.A.	COM	L8681T102	44	366	SH		SOLE		0	0	366
Square Inc.	COM	852234103	1,644	31,398	SH		SOLE		0	0	31,398
Starbucks Corp.	COM	855244109	1,433	21,802	SH		SOLE		0	0	21,802
Stryker Corp.	COM	863667101	591	3,550	SH		SOLE		0	0	3,550
Tandem Diabetes Care Inc.	COM	875372203	0	7	SH		SOLE		0	0	7
Target Corp.	COM	87612E106	0	1	SH		SOLE		0	0	1
TE Connectivity Ltd.	COM	H84989104	115	1,834	SH		SOLE		0	0	1,834
Teladoc Inc.	COM	87918A105	38	250	SH		SOLE		0	0	250
Teradata Corp.	COM	88076W103	0	9	SH		SOLE		0	0	9
Tesla Motors Inc.	COM	88160R101	283	541	SH		SOLE		0	0	541
Teva Pharmaceutical Industries Ltd.	ADS	881624209	8	1,000	SH		SOLE		0	0	1,000
The Blackstone Group Inc.	COM	09253U108	1,150	25,237	SH		SOLE		0	0	25,237
The Boeing Co.	COM	097023105	1,137	7,627	SH		SOLE		0	0	7,627
The Coca-Cola Co.	COM	191216100	588	13,288	SH		SOLE		0	0	13,288
The Gap Inc.	COM	364760108	0	20	SH		SOLE		0	0	20
The Hershey Co.	COM	427866108	53	400	SH		SOLE		0	0	400
The Home Depot Inc.	COM	437076102	1,017	5,447	SH		SOLE		0	0	5,447
The Kroger Co.	COM	501044101	60	2,000	SH		SOLE		0	0	2,000
The Procter & Gamble Co.	COM	742718109	2,256	20,509	SH		SOLE		0	0	20,509
The Scotts Miracle-Gro Co.	COM	810186106	2	22	SH		SOLE		0	0	22
The Southern Company	COM	842587107	27	500	SH		SOLE		0	0	500
The Trade Desk Inc.	COM	88339J105	144	750	SH		SOLE		0	0	750
The Western Union Company	COM	959802109	17	948	SH		SOLE		0	0	948
TJX Companies Inc.	COM	872540109	31	660	SH		SOLE		0	0	660
Tonix Pharmaceuticals Holdings Corp.	COM	890260706	0	125	SH		SOLE		0	0	125
Toronto-Dominion Bank	COM	891160509	41	978	SH		SOLE		0	0	978
Toyota Motor Corp.	ADS	892331307	0	5	SH		SOLE		0	0	5
Transocean Ltd.	COM	G90078109	0	165	SH		SOLE		0	0	165
TripAdvisor Inc.	COM	896945201	93	5,400	SH		SOLE		0	0	5,400
TriState Capital Holdings Inc.	COM	89678F100	11	1,200	SH		SOLE		0	0	1,200
Truist Financial Corp.	COM	89832Q109	394	12,797	SH		SOLE		0	0	12,797
Twilio Inc.	COM	90138F102	13	150	SH		SOLE		0	0	150
Twitter Inc.	COM	90184L102	184	7,532	SH		SOLE		0	0	7,532
UGI Corporation	COM	902681105	19	720	SH		SOLE		0	0	720
Ulta Beauty Inc.	COM	90384S303	17	100	SH		SOLE		0	0	100
Under Armour Inc. Class A	COM	904311107	1	150	SH		SOLE		0	0	150
Under Armour Inc. Class C	COM	904311206	0	100	SH		SOLE		0	0	100
Unilever N.V.	COM	904784709	34	700	SH		SOLE		0	0	700
Unilever plc	ADS	904767704	840	16,625	SH		SOLE		0	0	16,625
United Airlines Holdings Inc.	COM	910047109	33	1,050	SH		SOLE		0	0	1,050
United Parcel Service Inc.	COM	911312106	1,327	14,214	SH		SOLE		0	0	14,214
United States Oil ETF	ETF	91232N108	0	200	SH		SOLE		0	0	200
United Technologies	COM	913017109	205	2,183	SH		SOLE		0	0	2,183
UnitedHealth Group Inc.	COM	91324P102	146	587	SH		SOLE		0	0	587
USA Compression Partners L.P.	COM	90290N109	5	1,000	SH		SOLE		0	0	1,000
VanEck Vectors Gold Miners ETF	ETF	92189F106	2,753	119,495	SH		SOLE		0	0	119,495
VanEck Vectors High-Yield Muni. Index ETF	ETF	92189F361	13	250	SH		SOLE		0	0	250
VanEck Vectors Israel ETF	ETF	92189F635	0	6	SH		SOLE		0	0	6
VanEck Vectors Junior Gold Miners ETF	ETF	92189F791	478	17,035	SH		SOLE		0	0	17,035
VanEck Vectors Low Carbon Energy ETF	ETF	92189F502	30	500	SH		SOLE		0	0	500
VanEck Vectors Vietnam ETF	ETF	92189F817	10	1,000	SH		SOLE		0	0	1,000
Vanguard Energy ETF	ETF	92204A306	7	200	SH		SOLE		0	0	200
Vanguard Extended Market ETF	ETF	922908652	131	1,450	SH		SOLE		0	0	1,450
Vanguard FTSE All-World ex-U.S. ETF	ETF	922042775	1	48	SH		SOLE		0	0	48
Vanguard FTSE Emerging Markets ETF	ETF	922042858	403	12,018	SH		SOLE		0	0	12,018
Vanguard Growth ETF	ETF	922908736	265	1,696	SH		SOLE		0	0	1,696
Vanguard High Dividend Yield ETF	ETF	921946406	37	526	SH		SOLE		0	0	526
Vanguard Industrials ETF	ETF	92204A603	23	211	SH		SOLE		0	0	211
Vanguard Information Technology ETF	ETF	92204A702	33	156	SH		SOLE		0	0	156
Vanguard Interm.-Term Corporate Bond ETF	ETF	92206C870	200	2,302	SH		SOLE		0	0	2,302
Vanguard REIT Index ETF	ETF	922908553	302	4,337	SH		SOLE		0	0	4,337
Vanguard Short-Term Bond ETF	ETF	921937827	36	444	SH		SOLE		0	0	444
Vanguard Short-Term Corp. Bond Index ETF	ETF	92206C409	49	629	SH		SOLE		0	0	629
Vanguard Small-Cap Value ETF	ETF	922908611	16	182	SH		SOLE		0	0	182
Vanguard Total Bond Market ETF	ETF	921937835	1,565	18,345	SH		SOLE		0	0	18,345
Vanguard Total Stock ETF	ETF	922908769	21	165	SH		SOLE		0	0	165
Vanguard Utilities ETF	ETF	92204A876	167	1,376	SH		SOLE		0	0	1,376
Vanguard Value ETF	ETF	922908744	103	1,162	SH		SOLE		0	0	1,162
Varian Medical Systems Inc.	COM	92220P105	41	400	SH		SOLE		0	0	400
Vector Group Ltd.	COM	92240M108	24	2,633	SH		SOLE		0	0	2,633
Veeva Systems Inc.	COM	922475108	0	3	SH		SOLE		0	0	3
Verizon Communications Inc.	COM	92343V104	4,433	82,506	SH		SOLE		0	0	82,506
Visa Inc.	COM	92851S204	3,866	23,998	SH		SOLE		0	0	23,998
W.P. Carey Inc.	COM	92826C839	10	185	SH		SOLE		0	0	185
Wabtec Corp.	COM	929740108	0	16	SH		SOLE		0	0	16
Walgreens Boots Alliance Inc.	COM	931427108	7	160	SH		SOLE		0	0	160
Walmart Inc.	COM	931142103	1,735	15,273	SH		SOLE		0	0	15,273
Walt Disney Co.	COM	254687106	830	8,594	SH		SOLE		0	0	8,594
Weight Watchers International Inc.	COM	948626106	5	350	SH		SOLE		0	0	350
Wells Fargo & Company	COM	949746101	18	648	SH		SOLE		0	0	648
Welltower Inc.	COM	95040Q104	259	5,675	SH		SOLE		0	0	5,675
Weyerhauser Company	COM	962166104	5	309	SH		SOLE		0	0	309
Wrap Technologies Inc.	COM	98212N107	85	20,000	SH		SOLE		0	0	20,000
WSFS Financial Corp.	COM	929328102	75	3,020	SH		SOLE		0	0	3,020
Wynn Resorts LTD	COM	983134107	54	900	SH		SOLE		0	0	900
Yum Brands Inc.	COM	988498101	20	304	SH		SOLE		0	0	304
Zimmer Biomet Holdings Inc.	COM	98956P102	65	650	SH		SOLE		0	0	650
Zoom Video Communications Inc.	COM	98980L101	2,133	14,603	SH		SOLE		0	0	14,603