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	166	950	SH		SOLE		0	0	950
Abbott Laboratories	COM	002824100	1,436	13,115	SH		SOLE		0	0	13,115
AbbVie, Inc.	COM	00287Y109	1,861	17,371	SH		SOLE		0	0	17,371
ABIOMED, Inc.	COM	003654100	26	80	SH		SOLE		0	0	80
Acasti Pharma, Inc.	COM	00430K402	13	40,000	SH		SOLE		0	0	40,000
Accenture Ltd.	COM	G1151C101	102	389	SH		SOLE		0	0	389
Acushnet Holdings Corp.	COM	005098108	2	50	SH		SOLE		0	0	50
Adaptec, Inc.	COM	00651F108	142	2,400	SH		SOLE		0	0	2,400
Adobe Systems, Inc.	COM	00724F101	584	1,168	SH		SOLE		0	0	1,168
Advanced Micro Devices	COM	007903107	138	1,500	SH		SOLE		0	0	1,500
AFLAC Inc.	COM	001055102	67	1,500	SH		SOLE		0	0	1,500
Agilent Systems	COM	00846U101	47	400	SH		SOLE		0	0	400
Airbnb, Inc.	COM	009066101	88	600	SH		SOLE		0	0	600
Akamai Technologies, Inc.	COM	00971T101	2,047	19,500	SH		SOLE		0	0	19,500
Alaska Air Group, Inc.	COM	011659109	4	85	SH		SOLE		0	0	85
Alcoa, Inc.	COM	013817101	12	500	SH		SOLE		0	0	500
Alcon, Inc.	COM	H01301128	1	12	SH		SOLE		0	0	12
Aldeyra Therapeutics, Inc.	COM	01438T106	2	345	SH		SOLE		0	0	345
Alexion Pharmaceuticals, Inc.	COM	015351109	0	2	SH		SOLE		0	0	2
Alibaba Group Holdings Ltd.	ADS	01609W102	286	1,229	SH		SOLE		0	0	1,229
Align Technology, Inc.	COM	016255101	2,360	4,416	SH		SOLE		0	0	4,416
Alphabet, Inc. Class A	COM	02079K305	5,847	3,336	SH		SOLE		0	0	3,336
Alphabet, Inc. Class C	COM	02079K107	1,969	1,124	SH		SOLE		0	0	1,124
ALPS Alerian MLP ETF	ETF	00162Q866	475	18,500	SH		SOLE		0	0	18,500
Alteryx, Inc.	COM	02156B103	2,446	20,085	SH		SOLE		0	0	20,085
Altria Group, Inc.	COM	02209S103	168	4,110	SH		SOLE		0	0	4,110
Amazon.com, Inc.	COM	023135106	10,442	3,206	SH		SOLE		0	0	3,206
American Airlines Group, Inc.	COM	02376R102	1	80	SH		SOLE		0	0	80
American Express	COM	025816109	181	1,500	SH		SOLE		0	0	1,500
American Tower Corp.	COM	03027X100	2,976	13,256	SH		SOLE		0	0	13,256
Amgen, Inc.	COM	031162100	2,837	12,338	SH		SOLE		0	0	12,338
Annaly Capital Management, Inc.	COM	035710409	28	3,293	SH		SOLE		0	0	3,293
Annovis Bio, Inc.	COM	03615A108	381	50,588	SH		SOLE		0	0	50,588
Aphria, Inc.	COM	03765K104	0	40	SH		SOLE		0	0	40
Apple, Inc.	COM	037833100	22,565	170,059	SH		SOLE		0	0	170,059
Applied Materials	COM	038222105	39	450	SH		SOLE		0	0	450
Arbutus Biopharma Corp.	COM	03879J100	14	4,000	SH		SOLE		0	0	4,000
Ares Capital Corp.	COM	04010L103	353	20,900	SH		SOLE		0	0	20,900
Argo Group International Holdings, Ltd.	COM	G0464B107	22	500	SH		SOLE		0	0	500
Ark Autonomous Technology & Robotics ETF	ETF	00214Q203	10	125	SH		SOLE		0	0	125
Ark Fintech Innovation ETF	ETF	00214Q708	10	200	SH		SOLE		0	0	200
Ark Genomic Revolution ETF	ETF	00214Q302	10	103	SH		SOLE		0	0	103
Ark Innovation ETF	ETF	00214Q104	9	76	SH		SOLE		0	0	76
Ark Next Generation Internet ETF	ETF	00214Q401	10	65	SH		SOLE		0	0	65
Arlington Asset Investment Corp.	COM	041356205	0	1	SH		SOLE		0	0	1
Asana, Inc.	COM	04342Y104	30	1,000	SH		SOLE		0	0	1,000
AstraZeneca plc	ADS	046353108	0	5	SH		SOLE		0	0	5
AT&T, Inc.	COM	00206R102	165	5,744	SH		SOLE		0	0	5,744
Aurora Cannabis, Inc.	COM	05156X108	1	158	SH		SOLE		0	0	158
Automatic Data Processing	COM	053015103	111	630	SH		SOLE		0	0	630
AVEO Pharmaceuticals, Inc.	COM	053588109	0	6	SH		SOLE		0	0	6
Ayro, Inc.	COM	054748108	6	1,000	SH		SOLE		0	0	1,000
B&G Foods, Inc.	COM	05508R106	14	500	SH		SOLE		0	0	500
Baidu, Inc.	ADS	056752108	2	9	SH		SOLE		0	0	9
Balchem Corp.	COM	057665200	23	200	SH		SOLE		0	0	200
Bank of America Corp.	COM	066050105	172	5,685	SH		SOLE		0	0	5,685
Barrick Gold Corp.	COM	067901108	32	1,414	SH		SOLE		0	0	1,414
Baxter International, Inc.	COM	071813109	795	9,912	SH		SOLE		0	0	9,912
Becton, Dickinson and Co.	COM	075887109	1,005	4,015	SH		SOLE		0	0	4,015
Berkshire Hathaway B	COM	084670702	1,932	8,334	SH		SOLE		0	0	8,334
Best Buy Company, Inc.	COM	086516101	40	400	SH		SOLE		0	0	400
BigCommerce Holdings, Inc.	COM	08975P108	38	600	SH		SOLE		0	0	600
BiondVax Pharmaceuticals, Ltd.	ADS	09073Q105	0	20	SH		SOLE		0	0	20
BlackRock Municipal 2030 Target Term Trust	CEF	09257P105	1,993	77,610	SH		SOLE		0	0	77,610
Blackrock Science & Technology Trust II	CEF	09260K101	0	6	SH		SOLE		0	0	6
BlackRock, Inc.	COM	09247X101	3,076	4,263	SH		SOLE		0	0	4,263
Blink Charging Co.	COM	09354A100	13	300	SH		SOLE		0	0	300
BlueStar TA-BIGITech Israel Tech. ETF	ETF	26924G870	27	400	SH		SOLE		0	0	400
Bookings Holdings, Inc.	COM	09857L108	13	6	SH		SOLE		0	0	6
Bristol-Myers Squibb Co.	COM	110122108	207	3,338	SH		SOLE		0	0	3,338
Bristol-Myers Squibb Rights	RIGHT	110122157	0	92	SH		SOLE		0	0	92
C.H. Robinson Worldwide, Inc.	COM	12541W209	12	125	SH		SOLE		0	0	125
Cabot Oil & Gas Corp.	COM	127097103	21	1,280	SH		SOLE		0	0	1,280
Call - Amazon.com - $3500 - Exp. 6/17/22	CALL	023135906	91	2	SH	Call	SOLE		0	0	2
Call - American Airlines - $15 - Exp. 1/21/22	CALL	02376R902	10	20	SH	Call	SOLE		0	0	20
Call - Kinder Morgan - $15 - Exp. 1/20/23	CALL	49456B901	15	100	SH	Call	SOLE		0	0	100
Callaway Golf Co.	COM	131193104	1	60	SH		SOLE		0	0	60
Camden Property Trust	COM	133131102	20	200	SH		SOLE		0	0	200
Canopy Growth Corp.	COM	138035100	8	329	SH		SOLE		0	0	329
Carrier Global Corp.	COM	14448C104	66	1,750	SH		SOLE		0	0	1,750
Caterpillar Inc.	COM	149123101	424	2,331	SH		SOLE		0	0	2,331
Cerus Corp.	COM	157085101	7	1,000	SH		SOLE		0	0	1,000
Charter Communications, Inc.	COM	16119P108	59	89	SH		SOLE		0	0	89
Chevron Corp.	COM	166764100	946	11,197	SH		SOLE		0	0	11,197
CIGNA Corp.	COM	125509109	198	952	SH		SOLE		0	0	952
CIIG Merger Corp.	COM	12559C103	0	3	SH		SOLE		0	0	3
Cisco Systems, Inc.	COM	17275R102	719	16,066	SH		SOLE		0	0	16,066
Citigroup, Inc.	COM	172967424	293	4,753	SH		SOLE		0	0	4,753
CleanSpark, Inc.	COM	18452B209	10	350	SH		SOLE		0	0	350
Cloudflare, Inc.	COM	18915M107	190	2,500	SH		SOLE		0	0	2,500
Cognizant Technology Solutions Corp.	COM	192446102	66	800	SH		SOLE		0	0	800
Colgate-Palmolive Company	COM	194162103	92	1,077	SH		SOLE		0	0	1,077
Collective Growth Corp.	COM	19424L101	10	700	SH		SOLE		0	0	700
Comcast Corp. Class A	COM	20030N101	2,099	40,062	SH		SOLE		0	0	40,062
Communications Select Sector SPDR ETF	ETF	81369Y852	28	415	SH		SOLE		0	0	415
Compugen, Ltd.	COM	M25722105	13	1,050	SH		SOLE		0	0	1,050
ConocoPhillips	COM	20825c104	71	1,768	SH		SOLE		0	0	1,768
Conseco, Inc.	COM	15135B101	10	160	SH		SOLE		0	0	160
CoreLogic, Inc.	COM	21871D103	76	986	SH		SOLE		0	0	986
Corning, Inc.	COM	219350105	771	21,430	SH		SOLE		0	0	21,430
Corteva, Inc.	COM	22052L104	6	166	SH		SOLE		0	0	166
Costco Wholesale Corp.	COM	22160K105	4,279	11,357	SH		SOLE		0	0	11,357
Coupa Software, Inc.	COM	22266L106	34	100	SH		SOLE		0	0	100
CrowdStrike Holdings, Inc.	COM	22788C105	6,970	32,905	SH		SOLE		0	0	32,905
Cummins, Inc.	COM	231021106	1,573	6,925	SH		SOLE		0	0	6,925
Curis, Inc.	COM	231269200	41	5,000	SH		SOLE		0	0	5,000
CVS Health Corp.	COM	126650100	2,656	38,886	SH		SOLE		0	0	38,886
DASAN Zhone Solutions, Inc.	COM	23305L206	8	500	SH		SOLE		0	0	500
Deere & Company	COM	244199105	10	36	SH		SOLE		0	0	36
Delta Air Lines, Inc.	COM	247361108	31	779	SH		SOLE		0	0	779
Desktop Metal, Inc.	COM	25058X105	36	2,100	SH		SOLE		0	0	2,100
Deutsche MSCI EAFE Hedged Equity ETF	ETF	233051200	41	1,232	SH		SOLE		0	0	1,232
DexCom, Inc.	COM	252131107	18	50	SH		SOLE		0	0	50
Diageo plc	ADS	25243Q205	962	6,056	SH		SOLE		0	0	6,056
Digital Realty Trust, Inc.	COM	253868103	42	303	SH		SOLE		0	0	303
Direxion Daily Small Cap Bear 3X ETF	COM	25460E125	10	1,500	SH		SOLE		0	0	1,500
Dollar General Corporation	COM	256669102	29	137	SH		SOLE		0	0	137
Dominion Resources	COM	25746U109	236	3,139	SH		SOLE		0	0	3,139
Dow, Inc.	COM	260557103	145	2,605	SH		SOLE		0	0	2,605
Duke Energy Corporation	COM	264399106	18	199	SH		SOLE		0	0	199
DuPont de Nemours, Inc.	COM	263534109	31	439	SH		SOLE		0	0	439
Eastman Chemical Co.	COM	277432100	40	400	SH		SOLE		0	0	400
Eastman Kodak Co.	COM	277461906	0	31	SH		SOLE		0	0	31
Eaton Corp.	COM	278058102	1,066	8,875	SH		SOLE		0	0	8,875
Editas Medicine, Inc.	COM	28106W103	140	2,000	SH		SOLE		0	0	2,000
Electronic Arts, Inc.	COM	285512109	14	100	SH		SOLE		0	0	100
Eli Lilly & Co.	COM	532457108	284	1,680	SH		SOLE		0	0	1,680
Emerson Electric Co.	COM	291011104	1,138	14,165	SH		SOLE		0	0	14,165
Energy Select Sector SPDR ETF	ETF	81369Y506	4	100	SH		SOLE		0	0	100
Energy Transfer, L.P.	COM	29273V100	36	5,760	SH		SOLE		0	0	5,760
Enterprise Products Partners, L.P.	COM	293792107	67	3,405	SH		SOLE		0	0	3,405
EPAM Systems, Inc.	COM	29414B104	1	3	SH		SOLE		0	0	3
Essential Utilities, Inc.	COM	29670G102	1,872	39,585	SH		SOLE		0	0	39,585
ETFMG Video Game Tech ETF	ETF	26924G706	4	50	SH		SOLE		0	0	50
Exelon Corporation	COM	30161N101	172	4,078	SH		SOLE		0	0	4,078
Expedia Group, Inc.	COM	30212P303	33	250	SH		SOLE		0	0	250
Exxon Mobil Corp.	COM	30231G102	302	7,337	SH		SOLE		0	0	7,337
F5 Networks, Inc.	COM	315616102	18	100	SH		SOLE		0	0	100
Facebook, Inc.	COM	30303M102	385	1,408	SH		SOLE		0	0	1,408
Farfetch, Ltd.	COM	30744W107	32	500	SH		SOLE		0	0	500
Fastly, Inc.	COM	31188V100	1,974	22,590	SH		SOLE		0	0	22,590
Fifth Third Bancorp	COM	316773100	132	4,800	SH		SOLE		0	0	4,800
Financial Select Sector SPDR ETF	ETF	81369Y605	15	506	SH		SOLE		0	0	506
FireEye, Inc.	COM	31816QAB7	45	1,950	SH		SOLE		0	0	1,950
First Industrial Realty Trust, Inc.	COM	32054K103	42	1,000	SH		SOLE		0	0	1,000
First Interstate BancSystem, Inc.	COM	32055Y201	35	869	SH		SOLE		0	0	869
First Solar, Inc.	COM	336433107	237	2,400	SH		SOLE		0	0	2,400
First Trust Large Cap Core AlphaDEX ETF	ETF	33734K109	946	12,890	SH		SOLE		0	0	12,890
First Trust Low Duration Opportunities ETF	ETF	33739Q200	515	10,000	SH		SOLE		0	0	10,000
First Trust Mid Cap Core AlphaDEX ETF	ETF	33735B108	1,237	14,900	SH		SOLE		0	0	14,900
First Trust N.A. Energy Infrastructure ETF	ETF	33738D101	21	1,000	SH		SOLE		0	0	1,000
First Trust TCW Opportun. Fixed Income ETF	ETF	33740F805	24	430	SH		SOLE		0	0	430
Fisker, Inc.	COM	33813J106	1	100	SH		SOLE		0	0	100
Five9, Inc.	COM	338307101	2,294	13,155	SH		SOLE		0	0	13,155
Flexion Therapeutics, Inc.	COM	33938J106	0	23	SH		SOLE		0	0	23
FlexShares Quality Dividend ETF	ETF	33939L860	25	500	SH		SOLE		0	0	500
FNCB Bancorp, Inc.	COM	302578109	24	3,745	SH		SOLE		0	0	3,745
Fortinet, Inc.	COM	34959E109	4	25	SH		SOLE		0	0	25
FuelCell Energy, Inc.	COM	35952H601	8	700	SH		SOLE		0	0	700
General Electric	COM	369604103	4	350	SH		SOLE		0	0	350
General Mills, Inc.	COM	370334104	2,052	34,903	SH		SOLE		0	0	34,903
Genesis Healthcare, Inc.	COM	37185X106	0	300	SH		SOLE		0	0	300
Genuine Parts Company	COM	372460105	85	850	SH		SOLE		0	0	850
Gilead Sciences, Inc.	COM	375558103	572	9,816	SH		SOLE		0	0	9,816
GlaxoSmithKline plc	ADS	37733W105	10	283	SH		SOLE		0	0	283
Global X Lithium & Battery Tech ETF	ETF	37954Y855	119	1,925	SH		SOLE		0	0	1,925
Global X Robotics & A.I. ETF	ETF	37954Y715	142	4,290	SH		SOLE		0	0	4,290
Global X S&P 500 Catholic Values ETF	ETF	37954Y889	37	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	15,302	234,623	SH		SOLE		0	0	234,623
Golden Entertainment, Inc.	COM	381013101	20	1,000	SH		SOLE		0	0	1,000
Goldman Sachs BDC, Inc.	COM	38147U107	481	25,164	SH		SOLE		0	0	25,164
Goldman Sachs Group	COM	38141G104	2,441	9,255	SH		SOLE		0	0	9,255
Grayscale Bitcoin Trust	COM	389637109	218	6,807	SH		SOLE		0	0	6,807
GW Pharmaceuticals	ADS	36197T103	5	40	SH		SOLE		0	0	40
H&R Block, Inc.	COM	093671105	6	400	SH		SOLE		0	0	400
Hartford Financial Svcs.	COM	416515104	11	234	SH		SOLE		0	0	234
Health Care Select Sector SPDR ETF	ETF	81369Y209	76	668	SH		SOLE		0	0	668
Hercules Capital, Inc.	COM	427096508	647	44,900	SH		SOLE		0	0	44,900
Hewlett-Packard Company	COM	428236103	9	350	SH		SOLE		0	0	350
Himax Technologies, Inc.	ADS	43289P106	11	1,500	SH		SOLE		0	0	1,500
Honeywell International, Inc.	COM	438516106	2,641	12,416	SH		SOLE		0	0	12,416
Hormel Foods Corp.	COM	440452100	13	274	SH		SOLE		0	0	274
Humana, Inc.	COM	444859102	18	45	SH		SOLE		0	0	45
IBM	COM	459200101	42	337	SH		SOLE		0	0	337
ICU Medical, Inc.	COM	44930G107	27	125	SH		SOLE		0	0	125
Illinois Tool Works, Inc.	COM	452308109	162	795	SH		SOLE		0	0	795
Illumina, Inc.	COM	452327109	955	2,580	SH		SOLE		0	0	2,580
InMode, Ltd.	COM	M5425M103	71	1,500	SH		SOLE		0	0	1,500
Innovator IBD 50 ETF	ETF	45782C102	107	2,600	SH		SOLE		0	0	2,600
Intel Corp.	COM	458140100	1,475	29,597	SH		SOLE		0	0	29,597
International Paper	COM	460146103	17	342	SH		SOLE		0	0	342
Invesco Financial Preferred ETF	ETF	46137V621	288	15,000	SH		SOLE		0	0	15,000
Invesco QQQ ETF	ETF	631100104	245	780	SH		SOLE		0	0	780
Invesco S&P 500 Eq. Weight Health Care ETF	ETF	46137V332	152	580	SH		SOLE		0	0	580
Invitae Corp.	COM	46185L103	1,145	27,395	SH		SOLE		0	0	27,395
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	230	1,805	SH		SOLE		0	0	1,805
iShares Core MSCI EAFE ETF	ETF	46432F842	35	500	SH		SOLE		0	0	500
iShares Core S&P Small-Cap ETF	ETF	464287150	6,501	70,743	SH		SOLE		0	0	70,743
iShares Dow Jones Select Divid. Index ETF	ETF	464287846	3,081	32,037	SH		SOLE		0	0	32,037
iShares Global Clean Energy ETF	ETF	464288224	56	2,000	SH		SOLE		0	0	2,000
iShares Global Infrastructure ETF	ETF	464288372	156	3,575	SH		SOLE		0	0	3,575
iShares GS $ InvesTop Corporate Bond ETF	ETF	464287242	114	828	SH		SOLE		0	0	828
iShares iBoxx $ High Yield Corp. Bond ETF	ETF	464288513	17	200	SH		SOLE		0	0	200
iShares Intermed.-Term Corporate Bond ETF	ETF	464288638	99	1,600	SH		SOLE		0	0	1,600
iShares Int'l Developed Property ETF	ETF	464288422	138	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	14	159	SH		SOLE		0	0	159
iShares MSCI EAFE ESG Optimized ETF	ETF	46435G516	110	1,500	SH		SOLE		0	0	1,500
iShares MSCI EAFE Index ETF	ETF	464287465	367	5,028	SH		SOLE		0	0	5,028
iShares MSCI EAFE Minimum Volatility ETF	ETF	46429B689	83	1,125	SH		SOLE		0	0	1,125
iShares MSCI Emerg. Mkts. Min. Volat. ETF	ETF	464286533	49	800	SH		SOLE		0	0	800
iShares MSCI Emerging Markets ETF	ETF	464287234	68	1,320	SH		SOLE		0	0	1,320
iShares MSCI KLD 400 Social Index ETF	ETF	464288570	215	3,000	SH		SOLE		0	0	3,000
iShares Nasdaq Biotechnology ETF	ETF	464287556	14	90	SH		SOLE		0	0	90
iShares Russell 1000 Index ETF	ETF	464287655	41	192	SH		SOLE		0	0	192
iShares Russell 2000 Index ETF	ETF	464287655	83	424	SH		SOLE		0	0	424
iShares Russell Mid-Cap Growth ETF	ETF	464287481	101	982	SH		SOLE		0	0	982
iShares Russell MidCap Index ETF	ETF	464287499	27	400	SH		SOLE		0	0	400
iShares Russell Mid-Cap Value ETF	ETF	464287473	42	434	SH		SOLE		0	0	434
iShares S&P Mid Cap 400 Index ETF	ETF	464287507	253	1,100	SH		SOLE		0	0	1,100
iShares S&P Mid-Cap 400 Growth ETF	ETF	464287606	32	440	SH		SOLE		0	0	440
iShares S&P MidCap 400 Value Index ETF	ETF	464287705	27	308	SH		SOLE		0	0	308
iShares S&P National Municipal Bond ETF	ETF	464288414	1,181	10,074	SH		SOLE		0	0	10,074
iShares S&P SmallCap 600 Growth Index ETF	ETF	464287887	40	346	SH		SOLE		0	0	346
iShares S&P SmallCap 600 Value Index ETF	ETF	464287879	18	220	SH		SOLE		0	0	220
iShares S&P US Preferred Stock Index ETF	ETF	464288687	5,438	141,202	SH		SOLE		0	0	141,202
iShares Short-Term Corporate Bond ETF	ETF	464288646	91	1,658	SH		SOLE		0	0	1,658
iShares Short-Term National Muni Bond ETF	ETF	464288158	74	681	SH		SOLE		0	0	681
Jefferies Financial Group, Inc.	COM	47233W109	93	3,782	SH		SOLE		0	0	3,782
Johnson & Johnson	COM	478160104	8,527	54,183	SH		SOLE		0	0	54,183
JPMorgan Chase & Co.	COM	46625H100	3,312	26,065	SH		SOLE		0	0	26,065
JPMorgan Ultra-Short Income ETF	ETF	46641Q837	7,826	154,084	SH		SOLE		0	0	154,084
JPMorgan Ultra-Short Municipal Income ETF	ETF	46641Q654	766	15,000	SH		SOLE		0	0	15,000
Jumia Technologies AG	ADS	48138M105	2,387	59,160	SH		SOLE		0	0	59,160
Kimberly-Clark Corp.	COM	494368103	209	1,552	SH		SOLE		0	0	1,552
Kinder Morgan, Inc.	COM	49456B101	1,773	129,725	SH		SOLE		0	0	129,725
KKR & Co.	COM	48248M102	3,280	81,009	SH		SOLE		0	0	81,009
Kohl's Corporation	COM	500255104	1	35	SH		SOLE		0	0	35
Kraft Heinz Company	COM	500754106	5	133	SH		SOLE		0	0	133
Laboratory Corp. of America Holdings	COM	50540R409	41	200	SH		SOLE		0	0	200
LAM Research Corp.	COM	512807108	99	210	SH		SOLE		0	0	210
Las Vegas Sands Corp.	COM	517834107	904	15,175	SH		SOLE		0	0	15,175
Legg Mason Low Volatility High Div. ETF	ETF	52468L406	26	807	SH		SOLE		0	0	807
Leidos Holdings, Inc.	COM	525327102	1	5	SH		SOLE		0	0	5
Levi Strauss & Co.	COM	52736R102	0	2	SH		SOLE		0	0	2
Linde AG	COM	G5494J103	35	131	SH		SOLE		0	0	131
Lockheed Martin Corp.	COM	539830109	352	990	SH		SOLE		0	0	990
Louisiana-Pacific Corp.	COM	546347105	12	320	SH		SOLE		0	0	320
Lowe's Companies Inc.	COM	548661107	2,404	14,975	SH		SOLE		0	0	14,975
Lumen Technologies, Inc.	COM	156700106	6	573	SH		SOLE		0	0	573
Lumentum Holdings, Inc.	COM	55024U109	9	100	SH		SOLE		0	0	100
Luminar Technologies, Inc.	COM	550424105	3	100	SH		SOLE		0	0	100
Lyft, Inc.	COM	55087P104	10	210	SH		SOLE		0	0	210
LyondellBasell Industries N.V.	COM	N53745100	92	1,000	SH		SOLE		0	0	1,000
Magellan Midstream Partners, L.P.	COM	559080106	21	500	SH		SOLE		0	0	500
Main Street Capital Corp.	COM	56035L104	17	526	SH		SOLE		0	0	526
Marathon Petroleum Corp.	COM	56585A102	5	130	SH		SOLE		0	0	130
Marvell Technology Group, LTD	COM	G5876H105	101	2,115	SH		SOLE		0	0	2,115
MasterCard, Inc.	COM	57636Q104	72	200	SH		SOLE		0	0	200
Match Group, Inc.	COM	57665R106	1	4	SH		SOLE		0	0	4
McDonald's Corp.	COM	580135101	793	3,696	SH		SOLE		0	0	3,696
McKesson HBOC, Inc.	COM	58155Q103	43	250	SH		SOLE		0	0	250
Medtronic plc	COM	G5960L103	94	800	SH		SOLE		0	0	800
Merck & Co., Inc.	COM	589331107	1,906	23,295	SH		SOLE		0	0	23,295
Meridian Bank	COM	587405101	31	1,500	SH		SOLE		0	0	1,500
Microsoft Corp.	COM	594918104	5,080	22,841	SH		SOLE		0	0	22,841
MicroStrategy, Inc.	COM	594972408	49	125	SH		SOLE		0	0	125
MiMedx Group, Inc.	COM	602496101	20	2,200	SH		SOLE		0	0	2,200
Moderna, Inc.	COM	60770K107	5	50	SH		SOLE		0	0	50
Mondelez International, Inc.	COM	609207105	1,418	24,245	SH		SOLE		0	0	24,245
Mr. Cooper Group, Inc.	COM	62482R107	8	250	SH		SOLE		0	0	250
Nabriva Therapeutics plc	COM	G63637105	12	5,000	SH		SOLE		0	0	5,000
National Fuel Gas Co.	COM	636180101	0	2	SH		SOLE		0	0	2
Nautilus, Inc.	COM	63910B102	15	800	SH		SOLE		0	0	800
Nektar Therapeutics	COM	640268108	9	550	SH		SOLE		0	0	550
Netflix, Inc.	COM	64110L106	127	235	SH		SOLE		0	0	235
Newmont Goldcorp Corp.	COM	651639106	270	4,500	SH		SOLE		0	0	4,500
NextEra Energy, Inc.	COM	65339F101	50	644	SH		SOLE		0	0	644
Nike, Inc.	COM	654106103	2,821	19,941	SH		SOLE		0	0	19,941
Nikola Corp.	COM	654110105	8	550	SH		SOLE		0	0	550
Northrop Grumman Corp.	COM	666807102	189	620	SH		SOLE		0	0	620
Northwest Natural Holding Co.	COM	66765N105	2	50	SH		SOLE		0	0	50
Novartis AG	ADS	66987V109	6	63	SH		SOLE		0	0	63
Nuveen Intermed. Duration Muni. Term Fund	CEF	670671106	840	60,500	SH		SOLE		0	0	60,500
Nuveen Maryland Quality Muni. Income Fund	CEF	67061Q107	7	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	6	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	8	500	SH		SOLE		0	0	500
Nuveen Taxable Municipal Income Fund	CEF	67074C103	26	1,092	SH		SOLE		0	0	1,092
NVIDIA Corp.	COM	67066G104	280	537	SH		SOLE		0	0	537
Nymox Pharmaceutical Corp.	COM	P73398102	6	2,500	SH		SOLE		0	0	2,500
Oracle Corp.	COM	68389X105	745	11,513	SH		SOLE		0	0	11,513
Oramed Pharmaceuticals, Inc.	COM	68403P203	13	3,150	SH		SOLE		0	0	3,150
ORBCOMM, Inc.	COM	68555P100	10	1,400	SH		SOLE		0	0	1,400
O'Reilly Automotive, Inc.	COM	67103H107	68	150	SH		SOLE		0	0	150
Otis Worldwide Corp.	COM	68902V107	49	725	SH		SOLE		0	0	725
PagerDuty, Inc.	COM	69553P100	2,807	67,325	SH		SOLE		0	0	67,325
Park Aerospace Corp.	COM	70014A104	0	11	SH		SOLE		0	0	11
Paychex, Inc.	COM	704326107	1,945	20,871	SH		SOLE		0	0	20,871
PayPal Holdings, Inc.	COM	70450Y103	93	398	SH		SOLE		0	0	398
Peloton Interactive, Inc.	COM	70614W100	30	200	SH		SOLE		0	0	200
Penn National Gaming, Inc.	COM	707569109	112	1,300	SH		SOLE		0	0	1,300
Peoples Financial Services Corp.	COM	711040105	37	1,004	SH		SOLE		0	0	1,004
PepsiCo, Inc.	COM	713448108	2,060	13,892	SH		SOLE		0	0	13,892
PetMed Express, Inc.	COM	716382106	11	350	SH		SOLE		0	0	350
Pfizer, Inc.	COM	717081103	1,921	52,199	SH		SOLE		0	0	52,199
Philip Morris International, Inc.	COM	718172109	80	969	SH		SOLE		0	0	969
Phillips 66	COM	718546104	89	1,273	SH		SOLE		0	0	1,273
Piedmont Office Realty Trust, Inc.	COM	720190206	28	1,720	SH		SOLE		0	0	1,720
Pinterest, Inc.	COM	72352L106	3,364	51,045	SH		SOLE		0	0	51,045
PNC Financial Services Group, Inc.	COM	693475105	51	343	SH		SOLE		0	0	343
Positive Physicians Holdings, Inc.	COM	73740G106	20	2,500	SH		SOLE		0	0	2,500
PPG Industries	COM	693506107	173	1,200	SH		SOLE		0	0	1,200
PPL Corp.	COM	69351T106	2,761	97,923	SH		SOLE		0	0	97,923
Proofpoint, Inc.	COM	743424103	41	300	SH		SOLE		0	0	300
ProShares Pet Care ETF	ETF	74348A145	3	40	SH		SOLE		0	0	40
ProShares S&P 500 Dividend Aristocrats ETF	ETF	74348A467	1	17	SH		SOLE		0	0	17
Prudential Financial, Inc.	COM	744320102	18	225	SH		SOLE		0	0	225
Public Service Enterprise Group, Inc.	COM	744573106	17	300	SH		SOLE		0	0	300
Public Storage	COM	74460D109	997	4,316	SH		SOLE		0	0	4,316
Put - Apple, Inc. - $105 - Exp. 1/15/21	PUT	037833950	0	10	SH	Put	SOLE		0	0	10
Qorvo, Inc.	COM	74736K101	50	300	SH		SOLE		0	0	300
QUALCOMM, Inc.	COM	747525103	144	943	SH		SOLE		0	0	943
Quanta Services, Inc.	COM	74762E102	58	800	SH		SOLE		0	0	800
Quantum Materials Corp.	COM	747906501	4	110,000	SH		SOLE		0	0	110,000
Raytheon Technologies Corp.	COM	75513E101	165	2,306	SH		SOLE		0	0	2,306
Real Estate Select Sector SPDR ETF	ETF	81369Y860	11	294	SH		SOLE		0	0	294
Realty Income Corp.	COM	756109104	38	604	SH		SOLE		0	0	604
Reaves Utility Income Fund	CEF	756158101	74	2,248	SH		SOLE		0	0	2,248
Regeneron Pharmaceuticals, Inc.	COM	75886F107	14	28	SH		SOLE		0	0	28
Rio Tinto plc	ADS	767204100	53	700	SH		SOLE		0	0	700
RLI Corp.	COM	749607107	11	105	SH		SOLE		0	0	105
Robo Global Robotics & Automation ETF	ETF	301505707	83	1,365	SH		SOLE		0	0	1,365
Rockwell Automation, Inc.	COM	773903109	75	300	SH		SOLE		0	0	300
Roku, Inc.	COM	77543R102	2,009	6,050	SH		SOLE		0	0	6,050
Royal Carribean Cruises Ltd.	COM	V7780T103	11	150	SH		SOLE		0	0	150
Royal Dutch Shell plc A	ADS	780259206	7	200	SH		SOLE		0	0	200
salesforce.com, inc.	COM	79466L302	122	550	SH		SOLE		0	0	550
Sanofi-Aventis	ADS	80105N105	19	400	SH		SOLE		0	0	400
SAP SE	ADS	803054204	20	150	SH		SOLE		0	0	150
Sarepta Therapeutics, Inc.	COM	803607100	51	300	SH		SOLE		0	0	300
Schwab Emerging Markets Equity ETF	ETF	808524706	14	442	SH		SOLE		0	0	442
Schwab International Equity ETF	ETF	808524805	13	364	SH		SOLE		0	0	364
Schwab U.S. Broad Market ETF	ETF	808524102	137	1,503	SH		SOLE		0	0	1,503
Schwab U.S. Large Cap ETF	ETF	808524201	92	1,017	SH		SOLE		0	0	1,017
Schwab U.S. Mid-Cap ETF	ETF	808524508	38	564	SH		SOLE		0	0	564
Sculptor Capital Management, Inc.	COM	811246107	11	750	SH		SOLE		0	0	750
Seagate Technology	COM	G7945M107	6	100	SH		SOLE		0	0	100
SEI Investments Co.	COM	784117103	59	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	21	200	SH		SOLE		0	0	200
Shopify, Inc.	COM	82509L107	2,473	2,185	SH		SOLE		0	0	2,185
SIRIUS XM Radio, Inc.	COM	82966U103	3	430	SH		SOLE		0	0	430
Slack Technologies, Inc.	COM	83088V102	52	1,224	SH		SOLE		0	0	1,224
Smith & Wesson Brands, Inc.	COM	831754106	23	1,300	SH		SOLE		0	0	1,300
Snap, Inc.	COM	833034101	24	471	SH		SOLE		0	0	471
Snowflake, Inc.	COM	833445109	25	90	SH		SOLE		0	0	90
Southwest Airlines Co.	COM	844741108	1	30	SH		SOLE		0	0	30
SPDR Barclays Convertible Securities ETF	ETF	78464A359	6,028	72,817	SH		SOLE		0	0	72,817
SPDR Dow Jones Global Real Estate ETF	ETF	78463X749	26	582	SH		SOLE		0	0	582
SPDR Gold Shares ETF	ETF	78463V107	6,564	36,801	SH		SOLE		0	0	36,801
SPDR Portfolio Mid Cap ETF	ETF	78464A847	776	19,200	SH		SOLE		0	0	19,200
SPDR S&P 500 ETF	ETF	78462f103	1,152	3,080	SH		SOLE		0	0	3,080
SPDR S&P 500 Growth ETF	ETF	78464A409	7	135	SH		SOLE		0	0	135
SPDR S&P Aerospace & Defense ETF	ETF	78464A631	11	100	SH		SOLE		0	0	100
SPDR S&P MidCap 400 ETF	ETF	464287507	2,815	6,703	SH		SOLE		0	0	6,703
SPDR Short Term Municipal Bond ETF	ETF	78468R739	3	67	SH		SOLE		0	0	67
SPDR Wells Fargo Preferred Stock ETF	ETF	78464A292	311	7,000	SH		SOLE		0	0	7,000
Spectrum Brands Holdings, Inc.	COM	84790A105	7	94	SH		SOLE		0	0	94
Spotify Technology S.A.	COM	L8681T102	82	260	SH		SOLE		0	0	260
Square, Inc.	COM	852234103	5,883	27,032	SH		SOLE		0	0	27,032
Starbucks Corp.	COM	855244109	2,270	21,215	SH		SOLE		0	0	21,215
Stellus Capital Investment Corp.	COM	858568108	13	1,200	SH		SOLE		0	0	1,200
STMicroelectronics N.V	COM	861012102	30	800	SH		SOLE		0	0	800
Stryker Corp.	COM	863667101	827	3,375	SH		SOLE		0	0	3,375
Sumo Logic, Inc.	COM	86646P103	10	340	SH		SOLE		0	0	340
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	113	934	SH		SOLE		0	0	934
Teladoc, Inc.	COM	87918A105	473	2,363	SH		SOLE		0	0	2,363
Teradata Corp.	COM	88076W103	0	9	SH		SOLE		0	0	9
Tesla Motors, Inc.	COM	88160R101	485	687	SH		SOLE		0	0	687
Teva Pharmaceutical Industries Ltd.	ADS	881624209	10	1,000	SH		SOLE		0	0	1,000
The Blackstone Group, Inc.	COM	09253U108	1,598	24,650	SH		SOLE		0	0	24,650
The Boeing Co.	COM	097023105	214	999	SH		SOLE		0	0	999
The Coca-Cola Co.	COM	191216100	750	13,675	SH		SOLE		0	0	13,675
The Gap, Inc.	COM	364760108	0	20	SH		SOLE		0	0	20
The Hershey Co.	COM	427866108	61	400	SH		SOLE		0	0	400
The Home Depot, Inc.	COM	437076102	1,918	7,219	SH		SOLE		0	0	7,219
The Procter & Gamble Co.	COM	742718109	2,744	19,723	SH		SOLE		0	0	19,723
The Scotts Miracle-Gro Co.	COM	810186106	4	22	SH		SOLE		0	0	22
The Southern Company	COM	842587107	31	500	SH		SOLE		0	0	500
The Trade Desk, Inc.	COM	88339J105	501	625	SH		SOLE		0	0	625
The Western Union Company	COM	959802109	21	948	SH		SOLE		0	0	948
Thermo Fisher Scientific, Inc.	COM	883556102	16	34	SH		SOLE		0	0	34
TJX Companies, Inc.	COM	872540109	45	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	155	5,400	SH		SOLE		0	0	5,400
TriState Capital Holdings, Inc.	COM	89678F100	21	1,200	SH		SOLE		0	0	1,200
Truist Financial Corp.	COM	89832Q109	613	12,797	SH		SOLE		0	0	12,797
Twilio, Inc.	COM	90138F102	25	75	SH		SOLE		0	0	75
Twitter, Inc.	COM	90184L102	323	5,957	SH		SOLE		0	0	5,957
U.S. Global Jets ETF	ETF	26922A842	2	100	SH		SOLE		0	0	100
Uber Technologies, Inc.	COM	90353T100	18	361	SH		SOLE		0	0	361
UGI Corporation	COM	902681105	25	720	SH		SOLE		0	0	720
Ulta Beauty, Inc.	COM	90384S303	29	100	SH		SOLE		0	0	100
Under Armour, Inc. Class A	COM	904311107	1	50	SH		SOLE		0	0	50
Unilever plc	ADS	904767704	1,141	18,905	SH		SOLE		0	0	18,905
United Airlines Holdings, Inc.	COM	910047109	30	700	SH		SOLE		0	0	700
United Parcel Service, Inc.	COM	911312106	3,657	21,716	SH		SOLE		0	0	21,716
UnitedHealth Group Inc.	COM	91324P102	106	302	SH		SOLE		0	0	302
USA Compression Partners, L.P.	COM	90290N109	14	1,000	SH		SOLE		0	0	1,000
VanEck Merk Gold Trust ETF	ETF	921078101	1,934	104,415	SH		SOLE		0	0	104,415
VanEck Vect. AMT-Free Short Muni Index ETF	ETF	92189F528	4	205	SH		SOLE		0	0	205
VanEck Vectors Gold Miners ETF	ETF	92189F106	4,898	135,985	SH		SOLE		0	0	135,985
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	838	15,450	SH		SOLE		0	0	15,450
VanEck Vectors Low Carbon Energy ETF	ETF	92189F502	83	500	SH		SOLE		0	0	500
VanEck Vectors Vietnam ETF	ETF	92189F817	17	1,000	SH		SOLE		0	0	1,000
Vanguard Extended Market ETF	ETF	922908652	165	1,000	SH		SOLE		0	0	1,000
Vanguard FTSE All-World ex-U.S. ETF	ETF	922042775	3	48	SH		SOLE		0	0	48
Vanguard FTSE Emerging Markets ETF	ETF	922042858	652	13,018	SH		SOLE		0	0	13,018
Vanguard Growth ETF	ETF	922908736	360	1,421	SH		SOLE		0	0	1,421
Vanguard High Dividend Yield ETF	ETF	921946406	30	330	SH		SOLE		0	0	330
Vanguard Industrials ETF	ETF	92204A603	36	211	SH		SOLE		0	0	211
Vanguard Interm.-Term Corporate Bond ETF	ETF	92206C870	224	2,302	SH		SOLE		0	0	2,302
Vanguard Large-Cap Index ETF	ETF	922908637	64	364	SH		SOLE		0	0	364
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 Total Bond Market ETF	ETF	921937835	1,723	19,539	SH		SOLE		0	0	19,539
Vanguard Total Stock ETF	ETF	922908769	32	165	SH		SOLE		0	0	165
Vanguard Utilities ETF	ETF	92204A876	199	1,451	SH		SOLE		0	0	1,451
Vanguard Value ETF	ETF	922908744	138	1,162	SH		SOLE		0	0	1,162
Varian Medical Systems, Inc.	COM	92220P105	70	400	SH		SOLE		0	0	400
Veeva Systems, Inc.	COM	922475108	1	3	SH		SOLE		0	0	3
Velodyne Lidar, Inc.	COM	92259F101	10	453	SH		SOLE		0	0	453
Verizon Communications, Inc.	COM	92343V104	5,300	90,208	SH		SOLE		0	0	90,208
Viatris, Inc.	COM	92556V106	111	5,907	SH		SOLE		0	0	5,907
Virtu Financial, Inc.	COM	928254101	65	2,600	SH		SOLE		0	0	2,600
Visa, Inc.	COM	92851S204	5,145	23,524	SH		SOLE		0	0	23,524
Vishay Intertechnology, Inc.	COM	928298108	103	4,976	SH		SOLE		0	0	4,976
Vishay Precision Group, Inc.	COM	92835K103	11	355	SH		SOLE		0	0	355
W.P. Carey, Inc.	COM	92826C839	14	195	SH		SOLE		0	0	195
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	2,153	14,936	SH		SOLE		0	0	14,936
Walt Disney Co.	COM	254687106	1,299	7,169	SH		SOLE		0	0	7,169
Waste Management, Inc.	COM	94106L109	258	2,190	SH		SOLE		0	0	2,190
WEC Energy Group, Inc.	COM	92939U106	17	186	SH		SOLE		0	0	186
Wells Fargo & Company	COM	949746101	8	274	SH		SOLE		0	0	274
Welltower, Inc.	COM	95040Q104	195	3,025	SH		SOLE		0	0	3,025
Weyerhauser Company	COM	962166104	10	311	SH		SOLE		0	0	311
Workhorse Group, Inc.	COM	98138J206	26	1,300	SH		SOLE		0	0	1,300
WSFS Financial Corp.	COM	929328102	136	3,020	SH		SOLE		0	0	3,020
Wynn Resorts, LTD	COM	983134107	260	2,300	SH		SOLE		0	0	2,300
XPO Logistics, Inc.	COM	983793AA8	60	500	SH		SOLE		0	0	500
Xylem Inc.	COM	98419M100	14	134	SH		SOLE		0	0	134
Yum! Brands, Inc.	COM	988498101	33	304	SH		SOLE		0	0	304
Zimmer Biomet Holdings, Inc.	COM	98956P102	100	650	SH		SOLE		0	0	650
Zoom Video Communications, Inc.	COM	98980L101	333	988	SH		SOLE		0	0	988