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
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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 88579Y101 1,160 6,616 SH   SOLE NONE 0 0 6,616
A T & T Inc New COM 00206R102 2,647 98,014 SH   SOLE NONE 0 0 98,014
Abbott Laboratories COM 002824100 3,809 32,248 SH   SOLE NONE 0 0 32,248
Abbvie Inc COM 00287Y109 8,409 77,961 SH   SOLE NONE 0 0 77,961
Adams Express Co COM 006212104 987 49,876 SH   SOLE NONE 0 0 49,876
Adobe Systems Inc COM 00724F101 273 475 SH   SOLE NONE 0 0 475
Advanced Micro Devices COM 007903107 1,837 17,861 SH   SOLE NONE 0 0 17,861
Air Prod & Chemicals COM 009158106 1,558 6,086 SH   SOLE NONE 0 0 6,086
Airbnb Inc COM CL A 009066101 2,217 13,221 SH   SOLE NONE 0 0 13,221
Alibaba Group Hldg Adr SPONSORED ADS 01609W102 290 1,965 SH   SOLE NONE 0 0 1,965
Alphabet A CAP STK CL A 02079K305 16,236 6,073 SH   SOLE NONE 0 0 6,073
Alphabet C CAP STK CL C 02079K107 1,202 451 SH   SOLE NONE 0 0 451
Amazon Com Inc COM 023135106 22,551 6,865 SH   SOLE NONE 0 0 6,865
Amer Electric Pwr Co Inc COM 025537101 388 4,781 SH   SOLE NONE 0 0 4,781
American Eagle Outfitters Inc COM 02553E106 1,320 51,189 SH   SOLE NONE 0 0 51,189
American Express Company COM 025816109 851 5,085 SH   SOLE NONE 0 0 5,085
Amgen Incorporated COM 031162100 1,424 6,698 SH   SOLE NONE 0 0 6,698
Anthem Inc COM 036752103 729 1,955 SH   SOLE NONE 0 0 1,955
Apple Computer Inc COM 037833100 37,269 263,389 SH   SOLE NONE 0 0 263,389
ARK FINTECH INNOVATION ETF FINTECH INNOVA 00214Q708 2,671 54,118 SH   SOLE NONE 0 0 54,118
Ark Genomic Revolution GENOMIC REV ETF 00214Q302 2,844 38,064 SH   SOLE NONE 0 0 38,064
Ark Innovation Etf INNOVATION ETF 00214Q104 5,744 51,974 SH   SOLE NONE 0 0 51,974
Bank Of America Corp COM 060505104 2,185 51,491 SH   SOLE NONE 0 0 51,491
Berkshire Hathaway Cl B CL B NEW 084670702 4,218 15,457 SH   SOLE NONE 0 0 15,457
BLACKROCK INNOVAT AND GRWTH CF SHS BEN INT 09260Q108 452 25,000 SH   SOLE NONE 0 0 25,000
BlackRock Resources & Commdty SHS 09257A108 89 10,000 SH   SOLE NONE 0 0 10,000
Blue Foundry Bancorp Com COM 09549B104 500 36,320 SH   SOLE NONE 0 0 36,320
Boeing Co COM 097023105 834 3,796 SH   SOLE NONE 0 0 3,796
Bristol-Myers Squibb Co COM 110122108 712 12,033 SH   SOLE NONE 0 0 12,033
Broadcom Ltd COM 11135F101 299 618 SH   SOLE NONE 0 0 618
C V S Corp Del COM 126650100 2,465 29,057 SH   SOLE NONE 0 0 29,057
Carrier Global Corp-Wi COM 14448C104 252 4,883 SH   SOLE NONE 0 0 4,883
Caterpillar Inc COM 149123101 1,543 8,038 SH   SOLE NONE 0 0 8,038
Chevron Corporation COM 166764100 2,412 23,779 SH   SOLE NONE 0 0 23,779
Chubb Corporation COM H1467J104 239 1,381 SH   SOLE NONE 0 0 1,381
Citizens Finl Group Inc COM 174610105 1,726 36,750 SH   SOLE NONE 0 0 36,750
Clorox Company COM 189054109 249 1,504 SH   SOLE NONE 0 0 1,504
Coca Cola Company COM 191216100 2,204 42,009 SH   SOLE NONE 0 0 42,009
Cohen & Steers Tot Ret Realty COM 19247R103 198 12,181 SH   SOLE NONE 0 0 12,181
Cohen Steers Qual Income COM 19247L106 571 38,380 SH   SOLE NONE 0 0 38,380
Cohen Steers Select Util COM 19248A109 224 8,292 SH   SOLE NONE 0 0 8,292
COINBASE GLOBAL CL A ORD COM CL A 19260Q107 277 1,219 SH   SOLE NONE 0 0 1,219
Comcast Corp New Cl A CL A 20030N101 904 16,177 SH   SOLE NONE 0 0 16,177
Communicat Svs Slct Sec COMMUNICATION 81369Y852 2,028 25,323 SH   SOLE NONE 0 0 25,323
Constellation Brand Cl A CL A 21036P108 1,955 9,279 SH   SOLE NONE 0 0 9,279
Corteva Inc com COM 22052L104 301 7,171 SH   SOLE NONE 0 0 7,171
Costco Whsl Corp New COM 22160K105 2,033 4,525 SH   SOLE NONE 0 0 4,525
Credit Suisse Asset Mana COM 224916106 190 54,796 SH   SOLE NONE 0 0 54,796
Crown Castle Intl Co COM 22822V101 252 1,459 SH   SOLE NONE 0 0 1,459
Danaher Corp Del COM 235851102 1,150 3,779 SH   SOLE NONE 0 0 3,779
Delta Air Lines Inc New COM NEW 247361702 1,628 38,223 SH   SOLE NONE 0 0 38,223
Disney Walt Co COM 254687106 3,695 21,845 SH   SOLE NONE 0 0 21,845
Docusign INC COM 256163106 1,656 6,433 SH   SOLE NONE 0 0 6,433
Dominion Res Inc Va New COM 25746U109 2,092 28,654 SH   SOLE NONE 0 0 28,654
Dow Chemical Company COM 260557103 256 4,449 SH   SOLE NONE 0 0 4,449
DraftKings Inc COM CL A 26142R104 1,777 36,912 SH   SOLE NONE 0 0 36,912
DTE Energy Co COM 233331107 1,504 13,470 SH   SOLE NONE 0 0 13,470
Duke Energy Corp New COM NEW 26441C204 2,461 25,221 SH   SOLE NONE 0 0 25,221
Dupont de Nemours Inc COM 26614N102 1,617 23,793 SH   SOLE NONE 0 0 23,793
Eaton Corporation SHS G29183103 1,491 9,986 SH   SOLE NONE 0 0 9,986
Edwards Lifesciences Cp COM 28176E108 252 2,226 SH   SOLE NONE 0 0 2,226
Emerson Electric Co COM 291011104 2,064 21,915 SH   SOLE NONE 0 0 21,915
Enbridge Inc COM 29250N105 1,857 46,682 SH   SOLE NONE 0 0 46,682
Enterprise Prd Prtnrs COM 293792107 555 25,684 SH   SOLE NONE 0 0 25,684
Estee Lauderco Inc CL A 518439104 1,176 3,923 SH   SOLE NONE 0 0 3,923
Exelon Corporation COM 30161N101 513 10,612 SH   SOLE NONE 0 0 10,612
Exxon Mobil Corporation COM 30231G102 447 7,610 SH   SOLE NONE 0 0 7,610
Facebook Inc Class A CL A 30303M102 10,156 29,926 SH   SOLE NONE 0 0 29,926
Fedex Corporation COM 31428X106 444 2,028 SH   SOLE NONE 0 0 2,028
First Trust Instl Pref Secs and Inc ETF INSTL PFD SECS 33739P855 418 20,250 SH   SOLE NONE 0 0 20,250
Ford Motor Company New COM 345370860 393 27,816 SH   SOLE NONE 0 0 27,816
General Motors Corp COM 37045V100 2,438 46,255 SH   SOLE NONE 0 0 46,255
Global X US Infrastructure Dev ETF US INFR DEV ETF 37954Y673 1,429 56,275 SH   SOLE NONE 0 0 56,275
Goldman Sachs Group Inc COM 38141G104 3,201 8,469 SH   SOLE NONE 0 0 8,469
Heico Corp CL A 422806208 1,049 8,858 SH   SOLE NONE 0 0 8,858
Home Depot Inc COM 437076102 11,360 34,608 SH   SOLE NONE 0 0 34,608
Honeywell International COM 438516106 1,207 5,686 SH   SOLE NONE 0 0 5,686
Illinois Tool Works Inc COM 452308109 208 1,011 SH   SOLE NONE 0 0 1,011
Ingersoll Rand Inc COM 45687V106 218 4,328 SH   SOLE NONE 0 0 4,328
Intel Corp COM 458140100 1,078 20,233 SH   SOLE NONE 0 0 20,233
Invesco QQQ Trust UNIT SER 1 46090E103 18,418 51,455 SH   SOLE NONE 0 0 51,455
Invesco S&P 500 Quality ETF S&P500 QUALITY 46137V241 611 12,602 SH   SOLE NONE 0 0 12,602
iShares Global Clean Energy GL CLEAN ENE ETF 464288224 920 42,533 SH   SOLE NONE 0 0 42,533
iShares Global Materials GLOBAL MATER ETF 464288695 904 10,622 SH   SOLE NONE 0 0 10,622
Ishares S&P U S Pfd Fund PFD AND INCM SEC 464288687 202 5,230 SH   SOLE NONE 0 0 5,230
Ishares Tr Russell RUS 1000 ETF 464287622 1,875 7,759 SH   SOLE NONE 0 0 7,759
Ishares Tr S&P Smallcap CORE S&P SCP ETF 464287804 2,154 19,729 SH   SOLE NONE 0 0 19,729
iShares US Medical Devices U.S. MED DVC ETF 464288810 745 11,880 SH   SOLE NONE 0 0 11,880
Jacobs Engineering Group Inc COM 469814107 2,164 16,330 SH   SOLE NONE 0 0 16,330
Jetblue Airways Corp COM 477143101 728 47,661 SH   SOLE NONE 0 0 47,661
Johnson & Johnson COM 478160104 6,580 40,744 SH   SOLE NONE 0 0 40,744
Jpmorgan Chase & Co COM 46625H100 7,090 43,316 SH   SOLE NONE 0 0 43,316
L3Harris Technologies Ord COM 502431109 522 2,372 SH   SOLE NONE 0 0 2,372
Lockheed Martin Corp COM 539830109 789 2,288 SH   SOLE NONE 0 0 2,288
Lowes Companies Inc COM 548661107 915 4,510 SH   SOLE NONE 0 0 4,510
Lululemon Athletica Inc COM 550021109 1,206 2,981 SH   SOLE NONE 0 0 2,981
Marvell Technology COM 573874104 1,849 30,661 SH   SOLE NONE 0 0 30,661
Mastercard Inc CL A 57636Q104 2,668 7,673 SH   SOLE NONE 0 0 7,673
Mc Donalds Corp COM 580135101 776 3,222 SH   SOLE NONE 0 0 3,222
Mckesson Corporation COM 58155Q103 438 2,200 SH   SOLE NONE 0 0 2,200
Medtronic Inc SHS G5960L103 236 1,888 SH   SOLE NONE 0 0 1,888
Merck & Co Inc COM 58933Y105 3,126 41,631 SH   SOLE NONE 0 0 41,631
Metlife Inc COM 59156R108 1,381 22,383 SH   SOLE NONE 0 0 22,383
Microsoft Corp COM 594918104 24,063 85,354 SH   SOLE NONE 0 0 85,354
Mimedx Group Inc COM 602496101 82 13,668 SH   SOLE NONE 0 0 13,668
Moderna Inc COM 60770K107 9,958 25,875 SH   SOLE NONE 0 0 25,875
Netflix Inc COM 64110L106 278 457 SH   SOLE NONE 0 0 457
Neuberger Bermn Real Est COM 64190A103 96 20,000 SH   SOLE NONE 0 0 20,000
Nike Inc Class B CL B 654106103 2,553 17,580 SH   SOLE NONE 0 0 17,580
Nucor Corp COM 670346105 587 5,970 SH   SOLE NONE 0 0 5,970
Nuveen Enhanced Muni Value COM 67074M101 158 10,000 SH   SOLE NONE 0 0 10,000
Nvidia Corp COM 67066G104 6,482 31,291 SH   SOLE NONE 0 0 31,291
Oracle Corporation COM 68389X105 456 5,243 SH   SOLE NONE 0 0 5,243
Palantir Technologies Inc CL A 69608A108 1,506 62,684 SH   SOLE NONE 0 0 62,684
Parker-Hannifin Corp COM 701094104 2,444 8,741 SH   SOLE NONE 0 0 8,741
Paypal Holdings Inco COM 70450Y103 1,258 4,838 SH   SOLE NONE 0 0 4,838
Pepsico Incorporated COM 713448108 2,910 19,348 SH   SOLE NONE 0 0 19,348
Pfizer Incorporated COM 717081103 2,197 51,083 SH   SOLE NONE 0 0 51,083
Philip Morris Intl Inc COM 718172109 216 2,282 SH   SOLE NONE 0 0 2,282
Phillips COM 718546104 1,081 15,439 SH   SOLE NONE 0 0 15,439
Procter & Gamble COM 742718109 5,103 36,506 SH   SOLE NONE 0 0 36,506
Prudential Financial Inc COM 744320102 1,189 11,309 SH   SOLE NONE 0 0 11,309
Purefunds Ise Cyber PRIME CYBR SCRTY 26924G201 448 7,377 SH   SOLE NONE 0 0 7,377
Qualcomm Inc COM 747525103 581 4,511 SH   SOLE NONE 0 0 4,511
Raytheon Technologies Ord COM 75513E101 419 4,885 SH   SOLE NONE 0 0 4,885
ROBINHOOD MARKETS CL A ORD COM CL A 770700102 1,590 37,796 SH   SOLE NONE 0 0 37,796
Roblox Corp Com Cl A CL A 771049103 1,804 23,884 SH   SOLE NONE 0 0 23,884
Rocky Mtn Choc Fact New COM 77467X101 111 15,013 SH   SOLE NONE 0 0 15,013
Rowe T Price Group Inc COM 74144T108 1,180 6,000 SH   SOLE NONE 0 0 6,000
Royal Dutch Shell A Adrf SPONS ADR A 780259206 503 11,300 SH   SOLE NONE 0 0 11,300
S P D R S&P 500 Etf Tr TR UNIT 78462F103 11,767 27,422 SH   SOLE NONE 0 0 27,422
Salesforce Com COM 79466L302 5,996 22,109 SH   SOLE NONE 0 0 22,109
Sch US Div Equity Etf US DIVIDEND EQ 808524797 227 3,063 SH   SOLE NONE 0 0 3,063
Schw Intl Eq Etf INTL EQTY ETF 808524805 1,377 35,591 SH   SOLE NONE 0 0 35,591
Schw US Brd Mkt Etf US BRD MKT ETF 808524102 28,218 271,692 SH   SOLE NONE 0 0 271,692
Schw US Lcap Gro Etf US LCAP GR ETF 808524300 1,524 10,294 SH   SOLE NONE 0 0 10,294
Sector Spdr Consumer Fd SBI CONS DISCR 81369Y407 2,297 12,800 SH   SOLE NONE 0 0 12,800
Sector Spdr Engy Select ENERGY 81369Y506 620 11,906 SH   SOLE NONE 0 0 11,906
Sector Spdr Fincl Select FINANCIAL 81369Y605 250 6,678 SH   SOLE NONE 0 0 6,678
Sector Spdr Health Fund SBI HEALTHCARE 81369Y209 1,701 13,367 SH   SOLE NONE 0 0 13,367
Sector Spdr Indl Select SBI INT-INDS 81369Y704 1,746 17,853 SH   SOLE NONE 0 0 17,853
Sector Spdr Tech Select TECHNOLOGY 81369Y803 1,659 11,111 SH   SOLE NONE 0 0 11,111
Sector Spdr Tr Con Stpls SBI CONS STPLS 81369Y308 1,415 20,561 SH   SOLE NONE 0 0 20,561
Service Now Inc COM 81762P102 985 1,584 SH   SOLE NONE 0 0 1,584
Sherwin Williams Co COM 824348106 416 1,489 SH   SOLE NONE 0 0 1,489
Shopify Inc CL A 82509L107 2,152 1,588 SH   SOLE NONE 0 0 1,588
Snowflake Cl A Ord CL A 833445109 1,514 5,009 SH   SOLE NONE 0 0 5,009
SPDR S&P Metals and Mining ETF S&P METALS MNG 78464A755 593 14,221 SH   SOLE NONE 0 0 14,221
Spotify Technology SHS L8681T102 1,588 7,051 SH   SOLE NONE 0 0 7,051
Square Inc CL A 852234103 2,172 9,060 SH   SOLE NONE 0 0 9,060
Stanley Black & Decker COM 854502101 1,594 9,097 SH   SOLE NONE 0 0 9,097
Starbucks Corp COM 855244109 2,236 20,272 SH   SOLE NONE 0 0 20,272
Taiwan Semiconductr Adrf SPONSORED ADS 874039100 240 2,150 SH   SOLE NONE 0 0 2,150
Tesla Motors Inc COM 88160R101 3,111 4,012 SH   SOLE NONE 0 0 4,012
The Southern Company COM 842587107 249 4,022 SH   SOLE NONE 0 0 4,022
Thermo Electron Corp COM 883556102 4,149 7,262 SH   SOLE NONE 0 0 7,262
THORNBURG INCOME BUILDER OPPORTU ORD COM 885213108 240 12,000 SH   SOLE NONE 0 0 12,000
Trane Technologies PLC SHS G8994E103 847 4,908 SH   SOLE NONE 0 0 4,908
Travelers Companies Inc COM 89417E109 492 3,240 SH   SOLE NONE 0 0 3,240
Truist Finl Corp Com COM 89832Q109 2,737 46,673 SH   SOLE NONE 0 0 46,673
Twilio Inc CL A 90138F102 1,498 4,698 SH   SOLE NONE 0 0 4,698
Two Harbors Investment COM NEW 90187B408 63 10,000 SH   SOLE NONE 0 0 10,000
U S Bancorp Del New COM NEW 902973304 521 8,771 SH   SOLE NONE 0 0 8,771
Unilever Plc Adr New SPON ADR NEW 904767704 1,824 33,657 SH   SOLE NONE 0 0 33,657
Union Pacific Corp COM 907818108 1,426 7,279 SH   SOLE NONE 0 0 7,279
United Contl Hldgs Inc COM 910047109 762 16,036 SH   SOLE NONE 0 0 16,036
United Parcel Service B CL B 911312106 4,051 22,249 SH   SOLE NONE 0 0 22,249
Unitedhealth Group Inc COM 91324P102 3,225 8,255 SH   SOLE NONE 0 0 8,255
Vanguard Info Technology INF TECH ETF 92204A702 859 2,142 SH   SOLE NONE 0 0 2,142
Vanguard Mid Cap Etf MID CAP ETF 922908629 2,701 11,410 SH   SOLE NONE 0 0 11,410
Vanguard Mid Cap Value MCAP VL IDXVIP 922908512 280 2,011 SH   SOLE NONE 0 0 2,011
Vanguard Total Stock Mkt TOTAL STK MKT 922908769 753 3,394 SH   SOLE NONE 0 0 3,394
Veeva Systems Inc CL A COM 922475108 790 2,742 SH   SOLE NONE 0 0 2,742
Verizon Communications COM 92343V104 3,669 67,939 SH   SOLE NONE 0 0 67,939
Visa Inc Cl A COM CL A 92826C839 9,319 41,836 SH   SOLE NONE 0 0 41,836
Vmware Inc Cl A CL A COM 928563402 265 1,787 SH   SOLE NONE 0 0 1,787
Wal-Mart Stores Inc COM 931142103 1,042 7,482 SH   SOLE NONE 0 0 7,482
Waste Management Inc Del COM 94106L109 7,051 47,209 SH   SOLE NONE 0 0 47,209
Wells Fargo & Co New COM 949746101 264 5,700 SH   SOLE NONE 0 0 5,700
Xcel Energy Inc COM 98389B100 285 4,568 SH   SOLE NONE 0 0 4,568
Xtrackers MSCI EAFE Hedged Equity ETF XTRACK MSCI EAFE 233051200 7,080 187,514 SH   SOLE NONE 0 0 187,514
Yum Brands Inc COM 988498101 1,223 10,005 SH   SOLE NONE 0 0 10,005
Zoom video communications-A CL A 98980L101 284 1,089 SH   SOLE NONE 0 0 1,089