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	132	825	SH		SOLE		0	0	825
Abbott Laboratories	COM	002824100	1,432	13,161	SH		SOLE		0	0	13,161
AbbVie Inc.	COM	00287Y109	1,484	16,938	SH		SOLE		0	0	16,938
ABIOMED Inc.	COM	003654100	22	80	SH		SOLE		0	0	80
Acasti Pharma Inc.	COM	00430K402	8	40,000	SH		SOLE		0	0	40,000
Accenture Ltd.	COM	G1151C101	88	389	SH		SOLE		0	0	389
Acushnet Holdings Corp.	COM	005098108	2	50	SH		SOLE		0	0	50
Adaptec Inc.	COM	00651F108	97	2,000	SH		SOLE		0	0	2,000
Adobe Systems Inc.	COM	00724F101	597	1,217	SH		SOLE		0	0	1,217
Advanced Micro Devices	COM	007903107	369	4,500	SH		SOLE		0	0	4,500
AFLAC Inc.	COM	001055102	55	1,500	SH		SOLE		0	0	1,500
Agilent Systems	COM	00846U101	40	400	SH		SOLE		0	0	400
Akamai Technologies Inc.	COM	00971T101	2,277	20,600	SH		SOLE		0	0	20,600
Alaska Air Group Inc.	COM	011659109	76	2,085	SH		SOLE		0	0	2,085
Alcoa Inc.	COM	013817101	6	500	SH		SOLE		0	0	500
Alcon Inc.	COM	H01301128	1	12	SH		SOLE		0	0	12
Aldeyra Therapeutics Inc.	COM	01438T106	3	345	SH		SOLE		0	0	345
Alexion Pharmaceuticals Inc.	COM	015351109	0	2	SH		SOLE		0	0	2
Alibaba Group Holdings Ltd.	ADS	01609W102	332	1,129	SH		SOLE		0	0	1,129
Align Technology Inc.	COM	016255101	1,501	4,586	SH		SOLE		0	0	4,586
Alphabet - USD1400 - Exp. 3/19/21	CALL	02079K905	34	2	SH	Call	SOLE		0	0	2
Alphabet Inc. Class A	COM	02079K305	4,913	3,352	SH		SOLE		0	0	3,352
Alphabet Inc. Class C	COM	02079K107	1,703	1,159	SH		SOLE		0	0	1,159
ALPS Alerian MLP ETF	ETF	00162Q866	216	10,800	SH		SOLE		0	0	10,800
Alteryx Inc.	COM	02156B103	2,139	18,840	SH		SOLE		0	0	18,840
Altria Group Inc.	COM	02209S103	127	3,297	SH		SOLE		0	0	3,297
Amazon.com - USD3500 - Exp. 6/17/22	CALL	023135906	100	2	SH	Call	SOLE		0	0	2
Amazon.com Inc.	COM	023135106	11,170	3,547	SH		SOLE		0	0	3,547
American Air. - USD15 - Exp. 1/21/22	CALL	02376R902	7	20	SH	Call	SOLE		0	0	20
American Airlines Group Inc.	COM	02376R102	5	380	SH		SOLE		0	0	380
American Express	COM	025816109	150	1,500	SH		SOLE		0	0	1,500
American Tower Corp.	COM	03027X100	3,162	13,080	SH		SOLE		0	0	13,080
Amgen Inc.	COM	031162100	3,113	12,248	SH		SOLE		0	0	12,248
Annaly Capital Management Inc.	COM	035710409	22	3,099	SH		SOLE		0	0	3,099
Annovis Bio Inc.	COM	03615A108	245	51,038	SH		SOLE		0	0	51,038
Aphria Inc.	COM	03765K104	0	40	SH		SOLE		0	0	40
Apple Inc.	COM	037833100	21,704	187,414	SH		SOLE		0	0	187,414
Applied Materials	COM	038222105	86	1,450	SH		SOLE		0	0	1,450
Arbutus Biopharma Corp.	COM	03879J100	13	4,000	SH		SOLE		0	0	4,000
Ares Capital Corp.	COM	04010L103	199	14,300	SH		SOLE		0	0	14,300
Argo Group International Holdings Ltd.	COM	G0464B107	17	500	SH		SOLE		0	0	500
AstraZeneca plc	ADS	046353108	0	5	SH		SOLE		0	0	5
AT&T Inc.	COM	00206R102	150	5,247	SH		SOLE		0	0	5,247
Aurora Cannabis Inc.	COM	05156X108	0	8	SH		SOLE		0	0	8
Automatic Data Processing	COM	053015103	88	630	SH		SOLE		0	0	630
AVEO Pharmaceuticals Inc.	COM	053588109	0	6	SH		SOLE		0	0	6
Axcelis Technologies	COM	054540109	132	6,000	SH		SOLE		0	0	6,000
Baidu Inc.	ADS	056752108	1	9	SH		SOLE		0	0	9
Balchem Corp.	COM	057665200	20	200	SH		SOLE		0	0	200
Bank of America Corp.	COM	066050105	143	5,935	SH		SOLE		0	0	5,935
Barrick Gold Corp.	COM	067901108	12	414	SH		SOLE		0	0	414
Baxter International Inc.	COM	071813109	797	9,912	SH		SOLE		0	0	9,912
Becton Dickinson and Co.	COM	075887109	465	2,000	SH		SOLE		0	0	2,000
Berkshire Hathaway B	COM	084670702	1,830	8,594	SH		SOLE		0	0	8,594
Best Buy Company Inc.	COM	086516101	45	400	SH		SOLE		0	0	400
Beyond Meat Inc.	COM	08862E109	33	200	SH		SOLE		0	0	200
BigCommerce Holdings Inc.	COM	08975P108	33	400	SH		SOLE		0	0	400
BiondVax Pharmaceuticals Ltd.	ADS	09073Q105	1	20	SH		SOLE		0	0	20
BlackRock Inc.	COM	09247X101	2,428	4,308	SH		SOLE		0	0	4,308
BlackRock Municipal 2030 Target Term Trust	CEF	09257P105	1,939	77,610	SH		SOLE		0	0	77,610
Blink Charging Co.	COM	09354A100	3	300	SH		SOLE		0	0	300
BlueStar TA-BIGITech Israel Tech. ETF	ETF	26924G870	22	400	SH		SOLE		0	0	400
Bookings Holdings Inc.	COM	09857L108	10	6	SH		SOLE		0	0	6
Booz Allen Hamilton Holding Corp.	COM	099502106	83	1,000	SH		SOLE		0	0	1,000
Bristol-Myers Squibb Co.	COM	110122108	200	3,320	SH		SOLE		0	0	3,320
Bristol-Myers Squibb Rights	RIGHT	110122157	0	92	SH		SOLE		0	0	92
C.H. Robinson Worldwide Inc.	COM	12541W209	13	125	SH		SOLE		0	0	125
Cabot Oil & Gas Corp.	COM	127097103	22	1,280	SH		SOLE		0	0	1,280
Callaway Golf Co.	COM	131193104	1	60	SH		SOLE		0	0	60
Camden Property Trust	COM	133131102	18	200	SH		SOLE		0	0	200
Canopy Growth Corp.	COM	138035100	5	322	SH		SOLE		0	0	322
Carnival Corporation	COM	143658102	5	337	SH		SOLE		0	0	337
Carrier Global Corp.	COM	14448C104	53	1,750	SH		SOLE		0	0	1,750
Caterpillar Inc.	COM	149123101	377	2,529	SH		SOLE		0	0	2,529
Centrus Energy Corp.	COM	15643U104	0	40	SH		SOLE		0	0	40
Cerus Corp.	COM	157085101	6	1,000	SH		SOLE		0	0	1,000
Charter Communications Inc.	COM	16119P108	56	89	SH		SOLE		0	0	89
Chevron Corp.	COM	166764100	770	10,694	SH		SOLE		0	0	10,694
CIGNA Corp.	COM	125509109	178	1,049	SH		SOLE		0	0	1,049
Cisco Systems Inc.	COM	17275R102	652	16,560	SH		SOLE		0	0	16,560
Citigroup Inc.	COM	172967424	205	4,753	SH		SOLE		0	0	4,753
Cloudflare Inc.	COM	18915M107	82	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	56	800	SH		SOLE		0	0	800
Colgate-Palmolive Company	COM	194162103	83	1,077	SH		SOLE		0	0	1,077
Comcast Corp. Class A	COM	20030N101	1,853	40,053	SH		SOLE		0	0	40,053
Communications Select Sector SPDR ETF	ETF	81369Y852	25	415	SH		SOLE		0	0	415
Compugen Ltd.	COM	M25722105	17	1,050	SH		SOLE		0	0	1,050
ConocoPhillips	COM	20825c104	58	1,768	SH		SOLE		0	0	1,768
Conseco Inc.	COM	15135B101	9	160	SH		SOLE		0	0	160
CoreLogic Inc.	COM	21871D103	67	986	SH		SOLE		0	0	986
Corning Inc.	COM	219350105	695	21,430	SH		SOLE		0	0	21,430
Corteva Inc.	COM	22052L104	12	400	SH		SOLE		0	0	400
Costco Wholesale Corp.	COM	22160K105	4,037	11,371	SH		SOLE		0	0	11,371
CrowdStrike Holdings Inc.	COM	22788C105	5,117	37,260	SH		SOLE		0	0	37,260
Cummins Inc.	COM	231021106	1,462	6,925	SH		SOLE		0	0	6,925
Curis Inc.	COM	231269200	18	15,000	SH		SOLE		0	0	15,000
CVS Health Corp.	COM	126650100	2,290	39,206	SH		SOLE		0	0	39,206
DASAN Zhone Solutions Inc.	COM	23305L206	5	500	SH		SOLE		0	0	500
Deere & Company	COM	244199105	8	36	SH		SOLE		0	0	36
Delta Air Lines Inc.	COM	247361108	24	779	SH		SOLE		0	0	779
Deutsche MSCI EAFE Hedged Equity ETF	ETF	233051200	38	1,232	SH		SOLE		0	0	1,232
DexCom Inc.	COM	252131107	21	50	SH		SOLE		0	0	50
Diageo plc	ADS	25243Q205	833	6,053	SH		SOLE		0	0	6,053
Digital Realty Trust Inc.	COM	253868103	44	303	SH		SOLE		0	0	303
Digital Turbine Inc.	COM	25400W102	655	20,000	SH		SOLE		0	0	20,000
DocuSign Inc.	COM	256163106	1	3	SH		SOLE		0	0	3
Dollar General Corporation	COM	256669102	29	137	SH		SOLE		0	0	137
Dominion Resources	COM	25746U109	240	3,036	SH		SOLE		0	0	3,036
Dow Inc.	COM	260557103	133	2,834	SH		SOLE		0	0	2,834
Dropbox Inc.	COM	26210C104	2	100	SH		SOLE		0	0	100
Duke Energy Corporation	COM	264399106	17	197	SH		SOLE		0	0	197
Dunkin Brands Group Inc.	COM	265504100	2	30	SH		SOLE		0	0	30
DuPont de Nemours Inc.	COM	263534109	37	673	SH		SOLE		0	0	673
Eastman Chemical Co.	COM	277432100	31	400	SH		SOLE		0	0	400
Eastman Kodak Co.	COM	277461906	0	31	SH		SOLE		0	0	31
Eaton Corp.	COM	278058102	911	8,925	SH		SOLE		0	0	8,925
Electronic Arts Inc.	COM	285512109	13	100	SH		SOLE		0	0	100
Eli Lilly & Co.	COM	532457108	249	1,680	SH		SOLE		0	0	1,680
Emerson Electric Co.	COM	291011104	919	14,008	SH		SOLE		0	0	14,008
Energy Select Sector SPDR ETF	ETF	81369Y506	4	150	SH		SOLE		0	0	150
Energy Transfer L.P.	COM	29273V100	31	5,760	SH		SOLE		0	0	5,760
Enterprise Products Partners L.P.	COM	293792107	108	6,817	SH		SOLE		0	0	6,817
EPAM Systems Inc.	COM	29414B104	1	3	SH		SOLE		0	0	3
Essential Utilities Inc.	COM	29670G102	1,587	39,423	SH		SOLE		0	0	39,423
ETFMG Video Game Tech ETF	ETF	26924G706	3	50	SH		SOLE		0	0	50
Etsy Inc.	COM	29786A106	243	2,000	SH		SOLE		0	0	2,000
Exelon Corporation	COM	30161N101	91	2,558	SH		SOLE		0	0	2,558
Expedia Group Inc.	COM	30212P303	5	50	SH		SOLE		0	0	50
Exxon Mobil Corp.	COM	30231G102	255	7,434	SH		SOLE		0	0	7,434
F5 Networks Inc.	COM	315616102	12	100	SH		SOLE		0	0	100
Facebook Inc.	COM	30303M102	443	1,691	SH		SOLE		0	0	1,691
Fastly Inc.	COM	31188V100	488	5,210	SH		SOLE		0	0	5,210
Fifth Third Bancorp	COM	316773100	124	5,800	SH		SOLE		0	0	5,800
Financial Select Sector SPDR ETF	ETF	81369Y605	12	506	SH		SOLE		0	0	506
FireEye Inc.	COM	31816QAB7	24	1,950	SH		SOLE		0	0	1,950
First Industrial Realty Trust Inc.	COM	32054K103	40	1,000	SH		SOLE		0	0	1,000
First Interstate BancSystem Inc.	COM	32055Y201	27	861	SH		SOLE		0	0	861
First Solar Inc.	COM	336433107	159	2,400	SH		SOLE		0	0	2,400
First Trust Large Cap Core AlphaDEX ETF	ETF	33734K109	859	13,590	SH		SOLE		0	0	13,590
First Trust Low Duration Opportunities ETF	ETF	33739Q200	517	10,000	SH		SOLE		0	0	10,000
First Trust Mid Cap Core AlphaDEX ETF	ETF	33735B108	1,570	23,800	SH		SOLE		0	0	23,800
First Trust N.A. Energy Infrastructure ETF	ETF	33738D101	57	3,000	SH		SOLE		0	0	3,000
First Trust TCW Opportun. Fixed Income ETF	ETF	33740F805	21	380	SH		SOLE		0	0	380
Five9 Inc.	COM	338307101	1,773	13,670	SH		SOLE		0	0	13,670
Flexion Therapeutics Inc.	COM	33938J106	0	23	SH		SOLE		0	0	23
FlexShares Quality Dividend ETF	ETF	33939L860	22	500	SH		SOLE		0	0	500
FNCB Bancorp Inc.	COM	302578109	20	3,719	SH		SOLE		0	0	3,719
Fortinet Inc.	COM	34959E109	3	25	SH		SOLE		0	0	25
General Electric	COM	369604103	2	350	SH		SOLE		0	0	350
General Mills Inc.	COM	370334104	2,054	33,300	SH		SOLE		0	0	33,300
Genesis Healthcare Inc.	COM	37185X106	0	300	SH		SOLE		0	0	300
Genuine Parts Company	COM	372460105	81	850	SH		SOLE		0	0	850
Gilead Sciences Inc.	COM	375558103	743	11,760	SH		SOLE		0	0	11,760
GlaxoSmithKline plc	ADS	37733W105	11	283	SH		SOLE		0	0	283
Global X Lithium & Battery Tech ETF	ETF	37954Y855	77	1,925	SH		SOLE		0	0	1,925
Global X Robotics & A.I. ETF	ETF	37954Y715	120	4,290	SH		SOLE		0	0	4,290
Global X S&P 500 Catholic Values ETF	ETF	37954Y889	34	810	SH		SOLE		0	0	810
Global X U.S. Preferred ETF	ETF	37954Y657	4	150	SH		SOLE		0	0	150
Globus Medical Inc.	COM	379577208	12,609	254,623	SH		SOLE		0	0	254,623
Golden Entertainment Inc.	COM	381013101	14	1,000	SH		SOLE		0	0	1,000
Goldman Sachs BDC Inc.	COM	38147U107	449	29,853	SH		SOLE		0	0	29,853
Goldman Sachs Group	COM	38141G104	1,840	9,153	SH		SOLE		0	0	9,153
Goodrich Petroleum Corp.	COM	382410843	0	1	SH		SOLE		0	0	1
Grayscale Bitcoin Trust	COM	389637109	24	2,202	SH		SOLE		0	0	2,202
GW Pharmaceuticals	ADS	36197T103	4	40	SH		SOLE		0	0	40
H&R Block Inc.	COM	093671105	7	400	SH		SOLE		0	0	400
Halliburton Company	COM	406216101	4	300	SH		SOLE		0	0	300
Hartford Financial Svcs.	COM	416515104	9	234	SH		SOLE		0	0	234
Health Care Select Sector SPDR ETF	ETF	81369Y209	70	668	SH		SOLE		0	0	668
Hercules Capital Inc.	COM	427096508	455	39,300	SH		SOLE		0	0	39,300
Hewlett-Packard Company	COM	428236103	7	350	SH		SOLE		0	0	350
Himax Technologies Inc.	ADS	43289P106	5	1,500	SH		SOLE		0	0	1,500
Honeywell International Inc.	COM	438516106	2,010	12,212	SH		SOLE		0	0	12,212
Hormel Foods Corp.	COM	440452100	13	273	SH		SOLE		0	0	273
IBM	COM	459200101	41	337	SH		SOLE		0	0	337
ICU Medical Inc.	COM	44930G107	23	125	SH		SOLE		0	0	125
Illinois Tool Works Inc.	COM	452308109	154	795	SH		SOLE		0	0	795
Illumina Inc.	COM	452327109	797	2,580	SH		SOLE		0	0	2,580
India Fund Inc.	CEF	454089103	7	445	SH		SOLE		0	0	445
Innodata Inc.	COM	457642205	0	8	SH		SOLE		0	0	8
Innovator IBD 50 ETF	ETF	45782C102	127	3,400	SH		SOLE		0	0	3,400
Intel Corp.	COM	458140100	1,586	30,632	SH		SOLE		0	0	30,632
International Paper	COM	460146103	14	339	SH		SOLE		0	0	339
Invesco QQQ ETF	ETF	631100104	221	795	SH		SOLE		0	0	795
Invesco S&P 500 Eq. Weight Health Care ETF	ETF	46137V332	160	680	SH		SOLE		0	0	680
Invitae Corp.	COM	46185L103	1,229	28,345	SH		SOLE		0	0	28,345
iShares Barclays 1-3 Year Treasury ETF	ETF	464287457	18	211	SH		SOLE		0	0	211
iShares Barclays Aggregate Bond ETF	ETF	464289859	128	1,085	SH		SOLE		0	0	1,085
iShares Barclays TIPS Bond ETF	ETF	464287176	228	1,805	SH		SOLE		0	0	1,805
iShares Core MSCI EAFE ETF	ETF	46432F842	30	500	SH		SOLE		0	0	500
iShares Core MSCI Emerging Markets ETF	ETF	46434G103	4	76	SH		SOLE		0	0	76
iShares Core S&P Small-Cap ETF	ETF	464287150	5,062	72,071	SH		SOLE		0	0	72,071
iShares Dow Jones Select Divid. Index ETF	ETF	464287846	1,860	22,816	SH		SOLE		0	0	22,816
iShares Global Clean Energy ETF	ETF	464288224	37	2,000	SH		SOLE		0	0	2,000
iShares Global Infrastructure ETF	ETF	464288372	138	3,575	SH		SOLE		0	0	3,575
iShares GS USD InvesTop Corporate Bond ETF	ETF	464287242	112	828	SH		SOLE		0	0	828
iShares iBoxx USD High Yield Corp. Bond ETF	ETF	464288513	17	200	SH		SOLE		0	0	200
iShares Intermed.-Term Corporate Bond ETF	ETF	464288638	97	1,600	SH		SOLE		0	0	1,600
iShares Intl Developed Property ETF	ETF	464288422	122	3,876	SH		SOLE		0	0	3,876
iShares MBS ETF	ETF	464288588	37	339	SH		SOLE		0	0	339
iShares MSCI ACWI Index ETF	ETF	464288240	13	159	SH		SOLE		0	0	159
iShares MSCI EAFE ESG Optimized ETF	ETF	46435G516	95	1,500	SH		SOLE		0	0	1,500
iShares MSCI EAFE Index ETF	ETF	464287465	320	5,028	SH		SOLE		0	0	5,028
iShares MSCI EAFE Minimum Volatility ETF	ETF	46429B689	77	1,125	SH		SOLE		0	0	1,125
iShares MSCI Emerg. Mkts. Min. Volat. ETF	ETF	464286533	44	800	SH		SOLE		0	0	800
iShares MSCI Emerging Markets ETF	ETF	464287234	58	1,320	SH		SOLE		0	0	1,320
iShares MSCI KLD 400 Social Index ETF	ETF	464288570	192	1,500	SH		SOLE		0	0	1,500
iShares Nasdaq Biotechnology ETF	ETF	464287556	12	90	SH		SOLE		0	0	90
iShares Russell 1000 Index ETF	ETF	464287655	36	192	SH		SOLE		0	0	192
iShares Russell 2000 Index ETF	ETF	464287655	64	424	SH		SOLE		0	0	424
iShares Russell Mid-Cap Growth ETF	ETF	464287481	85	491	SH		SOLE		0	0	491
iShares Russell MidCap Index ETF	ETF	464287499	23	400	SH		SOLE		0	0	400
iShares Russell Mid-Cap Value ETF	ETF	464287473	35	434	SH		SOLE		0	0	434
iShares S&P Mid Cap 400 Index ETF	ETF	464287507	204	1,100	SH		SOLE		0	0	1,100
iShares S&P Mid-Cap 400 Growth ETF	ETF	464287606	26	110	SH		SOLE		0	0	110
iShares S&P MidCap 400 Value Index ETF	ETF	464287705	21	154	SH		SOLE		0	0	154
iShares S&P National Municipal Bond ETF	ETF	464288414	1,052	9,074	SH		SOLE		0	0	9,074
iShares S&P SmallCap 600 Growth Index ETF	ETF	464287887	54	307	SH		SOLE		0	0	307
iShares S&P SmallCap 600 Value Index ETF	ETF	464287879	17	135	SH		SOLE		0	0	135
iShares S&P US Preferred Stock Index ETF	ETF	464288687	4,936	135,429	SH		SOLE		0	0	135,429
iShares Short-Term Corporate Bond ETF	ETF	464288646	91	1,651	SH		SOLE		0	0	1,651
iShares Short-Term National Muni Bond ETF	ETF	464288158	77	713	SH		SOLE		0	0	713
Jefferies Financial Group Inc.	COM	47233W109	68	3,782	SH		SOLE		0	0	3,782
Johnson & Johnson	COM	478160104	7,920	53,199	SH		SOLE		0	0	53,199
JPMorgan Chase & Co.	COM	46625H100	2,610	27,115	SH		SOLE		0	0	27,115
JPMorgan Ultra-Short Income ETF	ETF	46641Q837	7,931	156,130	SH		SOLE		0	0	156,130
JPMorgan Ultra-Short Municipal Income ETF	ETF	46641Q654	535	10,500	SH		SOLE		0	0	10,500
KeyCorp	COM	493267108	48	4,000	SH		SOLE		0	0	4,000
Kimberly-Clark Corp.	COM	494368103	229	1,551	SH		SOLE		0	0	1,551
Kinder Morgan Inc.	COM	49456B101	1,514	122,790	SH		SOLE		0	0	122,790
KKR & Co.	COM	48248M102	2,650	77,156	SH		SOLE		0	0	77,156
Kohls Corporation	COM	500255104	1	35	SH		SOLE		0	0	35
Kraft Heinz Company	COM	500754106	4	133	SH		SOLE		0	0	133
Laboratory Corp. of America Holdings	COM	50540R409	38	200	SH		SOLE		0	0	200
LAM Research Corp.	COM	512807108	69	209	SH		SOLE		0	0	209
Landmark Bancorp Inc.	COM	51504L107	5	500	SH		SOLE		0	0	500
Las Vegas Sands Corp.	COM	517834107	685	14,675	SH		SOLE		0	0	14,675
Legg Mason Low Volatility High Div. ETF	ETF	52468L406	24	800	SH		SOLE		0	0	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	18	75	SH		SOLE		0	0	75
Livongo Health Inc.	COM	539183103	851	6,075	SH		SOLE		0	0	6,075
Lockheed Martin Corp.	COM	539830109	379	989	SH		SOLE		0	0	989
Louisiana-Pacific Corp.	COM	546347105	9	320	SH		SOLE		0	0	320
Lowes Companies Inc.	COM	548661107	2,569	15,490	SH		SOLE		0	0	15,490
Lumen Technologies Inc.	COM	156700106	6	560	SH		SOLE		0	0	560
Lyft Inc.	COM	55087P104	0	10	SH		SOLE		0	0	10
Magellan Midstream Partners L.P.	COM	559080106	17	500	SH		SOLE		0	0	500
Main Street Capital Corp.	COM	56035L104	15	516	SH		SOLE		0	0	516
Marathon Petroleum Corp.	COM	56585A102	4	128	SH		SOLE		0	0	128
Marriott International Inc. Class A	COM	571903202	5	50	SH		SOLE		0	0	50
Marvell Technology Group LTD	COM	G5876H105	79	2,000	SH		SOLE		0	0	2,000
MasterCard Inc.	COM	57636Q104	68	200	SH		SOLE		0	0	200
Match Group Inc.	COM	57665R106	0	4	SH		SOLE		0	0	4
McDonalds Corp.	COM	580135101	798	3,638	SH		SOLE		0	0	3,638
McGrath RentCorp.	COM	580589109	0	1	SH		SOLE		0	0	1
Medtronic plc	COM	G5960L103	83	800	SH		SOLE		0	0	800
Merck & Co. Inc.	COM	589331107	1,969	23,738	SH		SOLE		0	0	23,738
Meridian Bank	COM	587405101	24	1,500	SH		SOLE		0	0	1,500
Microsoft Corp.	COM	594918104	4,975	23,654	SH		SOLE		0	0	23,654
MiMedx Group Inc.	COM	602496101	14	2,200	SH		SOLE		0	0	2,200
Moderna Inc.	COM	60770K107	40	572	SH		SOLE		0	0	572
Mondelez International Inc.	COM	609207105	1,378	23,989	SH		SOLE		0	0	23,989
Mr. Cooper Group Inc.	COM	62482R107	11	500	SH		SOLE		0	0	500
Nabriva Therapeutics plc	COM	G63637105	16	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	9	550	SH		SOLE		0	0	550
Netflix Inc.	COM	64110L106	118	235	SH		SOLE		0	0	235
NextEra Energy Inc.	COM	65339F101	45	161	SH		SOLE		0	0	161
Nike Inc.	COM	654106103	2,524	20,103	SH		SOLE		0	0	20,103
Northrop Grumman Corp.	COM	666807102	241	765	SH		SOLE		0	0	765
NortonLifeLock Inc.	COM	668771108	21	1,020	SH		SOLE		0	0	1,020
Novartis AG	ADS	66987V109	5	63	SH		SOLE		0	0	63
Nuveen Intermed. Duration Muni. Term Fund	CEF	670671106	782	58,500	SH		SOLE		0	0	58,500
Nuveen Maryland Quality Muni. Income Fund	CEF	67061Q107	6	484	SH		SOLE		0	0	484
Nuveen Municipal Credit Income Fund	CEF	67070X101	8	516	SH		SOLE		0	0	516
Nuveen Municipal Value Fund Inc.	CEF	670928100	5	500	SH		SOLE		0	0	500
Nuveen Pennsylvania Municipal Value Fund	CEF	67074K105	46	3,200	SH		SOLE		0	0	3,200
Nuveen Quality Municipal Income Fund	CEF	67066V101	7	500	SH		SOLE		0	0	500
Nuveen Taxable Municipal Income Fund	CEF	67074C103	24	1,092	SH		SOLE		0	0	1,092
NVIDIA Corp.	COM	67066G104	361	666	SH		SOLE		0	0	666
Nymox Pharmaceutical Corp.	COM	P73398102	6	2,500	SH		SOLE		0	0	2,500
Oracle Corp.	COM	68389X105	687	11,513	SH		SOLE		0	0	11,513
Oramed Pharmaceuticals Inc.	COM	68403P203	8	3,150	SH		SOLE		0	0	3,150
OReilly Automotive Inc.	COM	67103H107	69	150	SH		SOLE		0	0	150
Otis Worldwide Corp.	COM	68902V107	45	725	SH		SOLE		0	0	725
PagerDuty Inc.	COM	69553P100	447	16,500	SH		SOLE		0	0	16,500
Park Aerospace Corp.	COM	70014A104	0	11	SH		SOLE		0	0	11
Paychex Inc.	COM	704326107	1,664	20,863	SH		SOLE		0	0	20,863
PayPal Holdings Inc.	COM	70450Y103	78	398	SH		SOLE		0	0	398
Peloton Interactive Inc.	COM	70614W100	20	200	SH		SOLE		0	0	200
Penn National Gaming Inc.	COM	707569109	95	1,300	SH		SOLE		0	0	1,300
Peoples Financial Services Corp.	COM	711040105	35	1,004	SH		SOLE		0	0	1,004
PepsiCo Inc.	COM	713448108	1,924	13,885	SH		SOLE		0	0	13,885
PetMed Express Inc.	COM	716382106	74	2,350	SH		SOLE		0	0	2,350
Pfizer Inc.	COM	717081103	1,797	48,971	SH		SOLE		0	0	48,971
Philip Morris International Inc.	COM	718172109	65	869	SH		SOLE		0	0	869
Phillips 66	COM	718546104	66	1,273	SH		SOLE		0	0	1,273
Piedmont Office Realty Trust Inc.	COM	720190206	23	1,720	SH		SOLE		0	0	1,720
PIMCO Short Term Muni Bond Active ETF	ETF	72201R874	4	72	SH		SOLE		0	0	72
PIMCO Strategic Income Fund Inc.	CEF	72200X104	70	10,879	SH		SOLE		0	0	10,879
Pinterest Inc.	COM	72352L106	2,230	53,720	SH		SOLE		0	0	53,720
PNC Financial Services Group Inc.	COM	693475105	38	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	146	1,200	SH		SOLE		0	0	1,200
PPL Corp.	COM	69351T106	2,221	81,625	SH		SOLE		0	0	81,625
Proofpoint Inc.	COM	743424103	32	300	SH		SOLE		0	0	300
ProShares Pet Care ETF	ETF	74348A145	2	40	SH		SOLE		0	0	40
ProShares S&P 500 Dividend Aristocrats ETF	ETF	74348A467	1	17	SH		SOLE		0	0	17
ProShares Ultra Technology ETF	ETF	74347R693	34	600	SH		SOLE		0	0	600
Public Service Enterprise Group Inc.	COM	744573106	16	300	SH		SOLE		0	0	300
Public Storage	COM	74460D109	961	4,314	SH		SOLE		0	0	4,314
Qorvo Inc.	COM	74736K101	39	300	SH		SOLE		0	0	300
QUALCOMM Inc.	COM	747525103	128	1,089	SH		SOLE		0	0	1,089
Quanta Services Inc.	COM	74762E102	42	800	SH		SOLE		0	0	800
Quantum Materials Corp.	COM	747906501	2	110,000	SH		SOLE		0	0	110,000
Raytheon Technologies Corp.	COM	75513E101	133	2,306	SH		SOLE		0	0	2,306
Real Estate Select Sector SPDR ETF	ETF	81369Y860	10	294	SH		SOLE		0	0	294
Realty Income Corp.	COM	756109104	36	597	SH		SOLE		0	0	597
Reaves Utility Income Fund	CEF	756158101	70	2,239	SH		SOLE		0	0	2,239
Regeneron Pharmaceuticals Inc.	COM	75886F107	72	128	SH		SOLE		0	0	128
Rio Tinto plc	ADS	767204100	42	700	SH		SOLE		0	0	700
RLI Corp.	COM	749607107	9	105	SH		SOLE		0	0	105
Robo Global Robotics & Automation ETF	ETF	301505707	66	1,365	SH		SOLE		0	0	1,365
Rockwell Automation Inc.	COM	773903109	44	200	SH		SOLE		0	0	200
Roku Inc.	COM	77543R102	1,165	6,170	SH		SOLE		0	0	6,170
Royal Carribean Cruises Ltd.	COM	V7780T103	10	150	SH		SOLE		0	0	150
Royal Dutch Shell plc A	ADS	780259206	23	900	SH		SOLE		0	0	900
salesforce.com inc.	COM	79466L302	101	400	SH		SOLE		0	0	400
Sanofi-Aventis	ADS	80105N105	20	400	SH		SOLE		0	0	400
Sarepta Therapeutics Inc.	COM	803607100	42	300	SH		SOLE		0	0	300
Schwab Emerging Markets Equity ETF	ETF	808524706	12	442	SH		SOLE		0	0	442
Schwab International Equity ETF	ETF	808524805	11	364	SH		SOLE		0	0	364
Schwab U.S. Broad Market ETF	ETF	808524102	120	1,503	SH		SOLE		0	0	1,503
Schwab U.S. Large Cap ETF	ETF	808524201	82	1,017	SH		SOLE		0	0	1,017
Schwab U.S. Mid-Cap ETF	ETF	808524508	31	564	SH		SOLE		0	0	564
Sculptor Capital Management Inc.	COM	811246107	9	750	SH		SOLE		0	0	750
Seagate Technology	COM	G7945M107	5	100	SH		SOLE		0	0	100
SEI Investments Co.	COM	784117103	52	1,018	SH		SOLE		0	0	1,018
Seneca Biopharma Inc.	COM	81689B103	0	5	SH		SOLE		0	0	5
ShockWave Medical Inc.	COM	82489T104	15	200	SH		SOLE		0	0	200
Shopify Inc.	COM	82509L107	2,583	2,525	SH		SOLE		0	0	2,525
SIRIUS XM Radio Inc.	COM	82966U103	2	430	SH		SOLE		0	0	430
Slack Technologies Inc.	COM	83088V102	35	1,285	SH		SOLE		0	0	1,285
Smith & Wesson Brands Inc.	COM	831754106	20	1,300	SH		SOLE		0	0	1,300
Snap Inc.	COM	833034101	13	517	SH		SOLE		0	0	517
Snowflake Inc.	COM	833445109	23	90	SH		SOLE		0	0	90
Southwest Airlines Co.	COM	844741108	1	30	SH		SOLE		0	0	30
Spartan Energy Acquisition Co.	COM	846784106	1	100	SH		SOLE		0	0	100
SPDR Barclays Convertible Securities ETF	ETF	78464A359	5,298	76,904	SH		SOLE		0	0	76,904
SPDR Dow Jones Global Real Estate ETF	ETF	78463X749	23	582	SH		SOLE		0	0	582
SPDR Gold Shares ETF	ETF	78463V107	5,711	32,246	SH		SOLE		0	0	32,246
SPDR Portfolio Mid Cap ETF	ETF	78464A847	643	19,700	SH		SOLE		0	0	19,700
SPDR S&P 500 ETF	ETF	78462f103	1,079	3,221	SH		SOLE		0	0	3,221
SPDR S&P 500 Growth ETF	ETF	78464A409	7	135	SH		SOLE		0	0	135
SPDR S&P Aerospace & Defense ETF	ETF	78464A631	9	100	SH		SOLE		0	0	100
SPDR S&P MidCap 400 ETF	ETF	464287507	2,303	6,798	SH		SOLE		0	0	6,798
SPDR Short Term Municipal Bond ETF	ETF	78468R739	3	67	SH		SOLE		0	0	67
SPDR Wells Fargo Preferred Stock ETF	ETF	78464A292	87	2,000	SH		SOLE		0	0	2,000
Spectrum Brands Holdings Inc.	COM	84790A105	5	94	SH		SOLE		0	0	94
Spotify Technology S.A.	COM	L8681T102	63	260	SH		SOLE		0	0	260
Square Inc.	COM	852234103	4,512	27,757	SH		SOLE		0	0	27,757
Starbucks Corp.	COM	855244109	1,822	21,211	SH		SOLE		0	0	21,211
Stryker Corp.	COM	863667101	724	3,475	SH		SOLE		0	0	3,475
Sturm Ruger & Co. Inc.	COM	864159108	15	250	SH		SOLE		0	0	250
Tandem Diabetes Care Inc.	COM	875372203	1	7	SH		SOLE		0	0	7
Target Corp.	COM	87612E106	0	1	SH		SOLE		0	0	1
TE Connectivity Ltd.	COM	H84989104	179	1,834	SH		SOLE		0	0	1,834
Teladoc Inc.	COM	87918A105	55	250	SH		SOLE		0	0	250
Teradata Corp.	COM	88076W103	0	9	SH		SOLE		0	0	9
Tesla Motors Inc.	COM	88160R101	322	750	SH		SOLE		0	0	750
Teva Pharmaceutical Industries Ltd.	ADS	881624209	9	1,000	SH		SOLE		0	0	1,000
The Blackstone Group Inc.	COM	09253U108	1,584	30,352	SH		SOLE		0	0	30,352
The Boeing Co.	COM	097023105	153	927	SH		SOLE		0	0	927
The Coca-Cola Co.	COM	191216100	662	13,412	SH		SOLE		0	0	13,412
The Gap Inc.	COM	364760108	0	20	SH		SOLE		0	0	20
The Hershey Co.	COM	427866108	57	400	SH		SOLE		0	0	400
The Home Depot Inc.	COM	437076102	2,109	7,593	SH		SOLE		0	0	7,593
The Kroger Co.	COM	501044101	203	6,000	SH		SOLE		0	0	6,000
The Procter & Gamble Co.	COM	742718109	2,794	20,103	SH		SOLE		0	0	20,103
The Scotts Miracle-Gro Co.	COM	810186106	3	22	SH		SOLE		0	0	22
The Southern Company	COM	842587107	27	500	SH		SOLE		0	0	500
The Trade Desk Inc.	COM	88339J105	324	625	SH		SOLE		0	0	625
The Western Union Company	COM	959802109	20	948	SH		SOLE		0	0	948
Thor Industries Inc.	COM	885160101	17	180	SH		SOLE		0	0	180
TJX Companies Inc.	COM	872540109	37	660	SH		SOLE		0	0	660
Tonix Pharmaceuticals Holdings Corp.	COM	890260706	0	125	SH		SOLE		0	0	125
Toyota Motor Corp.	ADS	892331307	1	5	SH		SOLE		0	0	5
Tractor Supply Co.	COM	892356106	27	190	SH		SOLE		0	0	190
TripAdvisor Inc.	COM	896945201	106	5,400	SH		SOLE		0	0	5,400
TriState Capital Holdings Inc.	COM	89678F100	16	1,200	SH		SOLE		0	0	1,200
Truist Financial Corp.	COM	89832Q109	487	12,797	SH		SOLE		0	0	12,797
Twilio Inc.	COM	90138F102	19	75	SH		SOLE		0	0	75
Twitter Inc.	COM	90184L102	291	6,532	SH		SOLE		0	0	6,532
Uber Technologies Inc.	COM	90353T100	13	361	SH		SOLE		0	0	361
UGI Corporation	COM	902681105	24	720	SH		SOLE		0	0	720
Ulta Beauty Inc.	COM	90384S303	22	100	SH		SOLE		0	0	100
Under Armour Inc. Class A	COM	904311107	1	50	SH		SOLE		0	0	50
Unilever N.V.	COM	904784709	42	700	SH		SOLE		0	0	700
Unilever plc	ADS	904767704	1,026	16,627	SH		SOLE		0	0	16,627
United Airlines Holdings Inc.	COM	910047109	24	700	SH		SOLE		0	0	700
United Parcel Service Inc.	COM	911312106	3,684	22,111	SH		SOLE		0	0	22,111
UnitedHealth Group Inc.	COM	91324P102	105	337	SH		SOLE		0	0	337
USA Compression Partners L.P.	COM	90290N109	10	1,000	SH		SOLE		0	0	1,000
VanEck Merk Gold Trust ETF	ETF	921078101	1,603	87,190	SH		SOLE		0	0	87,190
VanEck Vect. AMT-Free Short Muni Index ETF	ETF	92189F528	4	205	SH		SOLE		0	0	205
VanEck Vectors Gold Miners ETF	ETF	92189F106	4,333	110,655	SH		SOLE	��	0	0	110,655
VanEck Vectors High-Yield Muni. Index ETF	ETF	92189F361	15	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	905	16,350	SH		SOLE		0	0	16,350
VanEck Vectors Low Carbon Energy ETF	ETF	92189F502	55	500	SH		SOLE		0	0	500
VanEck Vectors Vietnam ETF	ETF	92189F817	15	1,000	SH		SOLE		0	0	1,000
Vanguard Extended Market ETF	ETF	922908652	130	1,000	SH		SOLE		0	0	1,000
Vanguard FTSE All-World ex-U.S. ETF	ETF	922042775	2	48	SH		SOLE		0	0	48
Vanguard FTSE Emerging Markets ETF	ETF	922042858	563	13,018	SH		SOLE		0	0	13,018
Vanguard Growth ETF	ETF	922908736	341	1,496	SH		SOLE		0	0	1,496
Vanguard High Dividend Yield ETF	ETF	921946406	27	330	SH		SOLE		0	0	330
Vanguard Industrials ETF	ETF	92204A603	31	211	SH		SOLE		0	0	211
Vanguard Interm.-Term Corporate Bond ETF	ETF	92206C870	221	2,302	SH		SOLE		0	0	2,302
Vanguard REIT Index ETF	ETF	922908553	20	259	SH		SOLE		0	0	259
Vanguard Short-Term Bond ETF	ETF	921937827	37	444	SH		SOLE		0	0	444
Vanguard Short-Term Corp. Bond Index ETF	ETF	92206C409	52	629	SH		SOLE		0	0	629
Vanguard Small-Cap Value ETF	ETF	922908611	20	182	SH		SOLE		0	0	182
Vanguard Total Bond Market ETF	ETF	921937835	1,734	19,656	SH		SOLE		0	0	19,656
Vanguard Total Stock ETF	ETF	922908769	28	165	SH		SOLE		0	0	165
Vanguard Utilities ETF	ETF	92204A876	165	1,276	SH		SOLE		0	0	1,276
Vanguard Value ETF	ETF	922908744	121	1,162	SH		SOLE		0	0	1,162
Varian Medical Systems Inc.	COM	92220P105	69	400	SH		SOLE		0	0	400
Veeva Systems Inc.	COM	922475108	1	3	SH		SOLE		0	0	3
Verizon Communications Inc.	COM	92343V104	5,193	87,291	SH		SOLE		0	0	87,291
Virtu Financial Inc.	COM	928254101	14	600	SH		SOLE		0	0	600
Visa Inc.	COM	92851S204	4,841	24,206	SH		SOLE		0	0	24,206
Vishay Intertechnology Inc.	COM	928298108	77	4,976	SH		SOLE		0	0	4,976
Vishay Precision Group Inc.	COM	92835K103	9	355	SH		SOLE		0	0	355
W.P. Carey Inc.	COM	92826C839	12	192	SH		SOLE		0	0	192
Wabtec Corp.	COM	929740108	1	16	SH		SOLE		0	0	16
Walgreens Boots Alliance Inc.	COM	931427108	6	160	SH		SOLE		0	0	160
Walmart Inc.	COM	931142103	2,107	15,061	SH		SOLE		0	0	15,061
Walt Disney Co.	COM	254687106	921	7,419	SH		SOLE		0	0	7,419
Waste Management Inc.	COM	94106L109	248	2,190	SH		SOLE		0	0	2,190
WEC Energy Group Inc.	COM	92939U106	18	186	SH		SOLE		0	0	186
Weight Watchers International Inc.	COM	948626106	7	350	SH		SOLE		0	0	350
Wells Fargo & Company	COM	949746101	6	273	SH		SOLE		0	0	273
Welltower Inc.	COM	95040Q104	167	3,025	SH		SOLE		0	0	3,025
Weyerhauser Company	COM	962166104	9	310	SH		SOLE		0	0	310
Workhorse Group Inc.	COM	98138J206	9	350	SH		SOLE		0	0	350
WSFS Financial Corp.	COM	929328102	81	3,020	SH		SOLE		0	0	3,020
Wynn Resorts LTD	COM	983134107	165	2,300	SH		SOLE		0	0	2,300
XPO Logistics Inc.	COM	983793AA8	42	500	SH		SOLE		0	0	500
Xylem Inc.	COM	98419M100	11	134	SH		SOLE		0	0	134
Yum Brands Inc.	COM	988498101	28	304	SH		SOLE		0	0	304
Zimmer Biomet Holdings Inc.	COM	98956P102	88	650	SH		SOLE		0	0	650
Zoom Video Communications Inc.	COM	98980L101	1,029	2,188	SH		SOLE		0	0	2,188