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
Abbott Labs COM 002824100 292 3,197 SH   SOLE   3,197 0 0
Air Products & Chemicals Inc COM 009158106 2,696 11,165 SH   SOLE   11,165 0 0
Alphabet Inc. Class A COM 02079K305 5,927 4,180 SH   SOLE   4,180 0 0
Alphabet Inc. Class C COM 02079K107 885 626 SH   SOLE   626 0 0
Amazon Com Inc COM 023135106 10,354 3,753 SH   SOLE   3,753 0 0
American Electrical Power Inc COM 025537101 368 4,625 SH   SOLE   4,625 0 0
Amgen Inc COM 031162100 1,062 4,505 SH   SOLE   4,505 0 0
Apple Inc. COM 037833100 10,160 27,850 SH   SOLE   27,850 0 0
AT&T Corp COM 00206R102 1,785 59,053 SH   SOLE   59,053 0 0
Bank of America Corp COM 060505104 858 36,143 SH   SOLE   36,143 0 0
Blackstone Group LP COM 09253U108 337 5,955 SH   SOLE   5,955 0 0
Boeing Co COM 097023105 2,111 11,517 SH   SOLE   11,517 0 0
Bristol-Myers Squibb Co COM 110122108 422 7,185 SH   SOLE   7,185 0 0
Caterpillar Inc COM 149123101 3,023 23,895 SH   SOLE   23,895 0 0
Chevron Corp. COM 166764100 558 6,250 SH   SOLE   6,250 0 0
Citigroup Inc. COM 172967424 2,828 55,345 SH   SOLE   55,345 0 0
Coca Cola Co. COM 191216100 215 4,820 SH   SOLE   4,820 0 0
Consolidated Edison COM 209115104 687 9,550 SH   SOLE   9,550 0 0
Costco Wholesale Corp COM 22160K105 658 2,171 SH   SOLE   2,171 0 0
CVS Health Corp COM 126650100 773 11,900 SH   SOLE   11,900 0 0
Danaher Corp. COM 235851102 4,076 23,050 SH   SOLE   23,050 0 0
Deere & Co COM 244199105 3,654 23,250 SH   SOLE   23,250 0 0
Disney Walt Co COM 254687106 874 7,840 SH   SOLE   7,840 0 0
Duke Energy Corp. COM 26441C204 334 4,175 SH   SOLE   4,175 0 0
Fedex Corp. COM 31428X106 2,697 19,237 SH   SOLE   19,237 0 0
Freeport McMoran Copper & Gold Inc COM 35671D857 178 15,400 SH   SOLE   15,400 0 0
General Electric Co COM 369604103 2,465 360,850 SH   SOLE   360,850 0 0
Gilead Sciences Inc COM 375558103 654 8,500 SH   SOLE   8,500 0 0
Home Depot Inc COM 437076102 257 1,025 SH   SOLE   1,025 0 0
Intel Corp COM 458140100 1,131 18,902 SH   SOLE   18,902 0 0
Iron Mountain Inc. COM 46284V101 783 30,000 SH   SOLE   30,000 0 0
Johnson & Johnson COM 478160104 3,458 24,592 SH   SOLE   24,592 0 0
JP Morgan Chase & Co COM 46625H100 2,770 29,453 SH   SOLE   29,453 0 0
Lam Research Corp. COM 512807108 3,317 10,256 SH   SOLE   10,256 0 0
Mastercard Inc. Cl. A 57636Q104 3,638 12,302 SH   SOLE   12,302 0 0
McCormick & Co. Inc. COM 579780206 2,906 16,200 SH   SOLE   16,200 0 0
Merck & Co New COM 58933Y105 812 10,505 SH   SOLE   10,505 0 0
Microsoft Corp COM 594918104 6,188 30,408 SH   SOLE   30,408 0 0
Netflix Inc COM 64110L106 944 2,075 SH   SOLE   2,075 0 0
Nvidia Corp. COM 67066G104 3,352 8,822 SH   SOLE   8,822 0 0
Parker Hannifin Corp. COM 701094104 3,318 18,105 SH   SOLE   18,105 0 0
Pepsico Inc. COM 713448108 3,865 29,220 SH   SOLE   29,220 0 0
Pfizer Inc COM 717081103 278 8,500 SH   SOLE   8,500 0 0
Procter & Gamble Co. COM 742718109 418 3,500 SH   SOLE   3,500 0 0
Raytheon Technologies Corp. COM 75513E101 283 4,600 SH   SOLE   4,600 0 0
Salesforce.com Inc COM 79466L302 4,040 21,566 SH   SOLE   21,566 0 0
Schlumberger Ltd. COM 806857108 799 43,425 SH   SOLE   43,425 0 0
Servicenow Inc. COM 81762P102 4,291 10,594 SH   SOLE   10,594 0 0
Shopify Inc. COM 82509L107 4,675 4,925 SH   SOLE   4,925 0 0
JM Smucker Company COM 832669640 2,364 22,340 SH   SOLE   22,340 0 0
Splunk Inc. COM 848637104 4,438 22,337 SH   SOLE   22,337 0 0
SVB Financial Group COM 78486Q101 232 1,075 SH   SOLE   1,075 0 0
Sysco Corp. COM 871829107 213 3,900 SH   SOLE   3,900 0 0
The Trade Desk Inc. COM 88339J105 285 700 SH   SOLE   700 0 0
Union Pacific Corp COM 907818108 397 2,350 SH   SOLE   2,350 0 0
Verizon Communications Inc. COM 92343V104 894 16,225 SH   SOLE   16,225 0 0
Citigroup Inc. Preferred Ser S Preferred 172967317 1,097 42,850 SH   SOLE   42,850 0 0
Goldman Sachs Group Inc. Prfrd Ser N Preferred 38148B504 945 36,400 SH   SOLE   36,400 0 0
JPMorgan Chase Dep SH 1/400 5.75 (DD) Preferred 48128B655 225 8,500 SH   SOLE   8,500 0 0
Angel Oak DFS Inc TR COM 03462A102 360 18,000 SH   SOLE   18,000 0 0
Blackrock Muni Inc TR COM 09248F109 133 10,000 SH   SOLE   10,000 0 0
Eaton Vance Muni Bond Fund COM 27827X101 941 73,998 SH   SOLE   73,998 0 0
First Trust Intermediate Duration Pfd Incm. COM 33718W103 1,155 54,200 SH   SOLE   54,200 0 0
Flaherty & Crumrine Dynamic Pfd Preferred 33848W106 1,810 74,400 SH   SOLE   74,400 0 0
John Hancock Tax Advantaged Div. Income Fd COM 41013V100 205 10,625 SH   SOLE   10,625 0 0
Nuveen High Income 11/21 Tgt Trm Fd. COM 67077N106 1,045 117,000 SH   SOLE   117,000 0 0
Nuveen ATM-Free Municipal Credit Incm Fd. COM 67071L106 945 61,823 SH   SOLE   61,823 0 0
Nuveen Muni Value Fund Inc. COM 670928100 1,020 100,000 SH   SOLE   100,000 0 0
Nuveen New York AMT-Free Quality Incm COM 670656107 258 20,000 SH   SOLE   20,000 0 0
Pimco Dynamic Credit Income Fund COM 72202D106 1,555 84,400 SH   SOLE   84,400 0 0
Consumer Discretionary Select Sector SPDR COM 81369Y407 2,209 17,300 SH   SOLE   17,300 0 0
Consumer Staples Select Sector SPDR COM 81369Y308 605 10,325 SH   SOLE   10,325 0 0
Energy Select Sector SPDR ETF COM 81369Y506 723 19,100 SH   SOLE   19,100 0 0
Exponential Technologies ETF COM 46434V381 1,332 29,925 SH   SOLE   29,925 0 0
Financial Sector SPDR ETF COM 81369Y605 333 14,400 SH   SOLE   14,400 0 0
First Trust DJ Internet Index ETF COM 33733E302 512 3,000 SH   SOLE   3,000 0 0
Invesco QQQ Trust, Series 1 COM 46090E103 1,390 5,615 SH   SOLE   5,615 0 0
Ishares Biotechnology ETF COM 464287556 789 5,775 SH   SOLE   5,775 0 0
Ishares Dow Jones US ETF COM 464287846 1,340 8,755 SH   SOLE   8,755 0 0
Ishares Global Healthcare ETF COM 464287325 306 4,450 SH   SOLE   4,450 0 0
Ishares North American Tech ETF COM 464287549 9,803 35,120 SH   SOLE   35,120 0 0
Ishares North American Tech Software ETF COM 464287515 3,638 12,800 SH   SOLE   12,800 0 0
Ishares Russell 1000 Growth ETF COM 464287614 4,113 21,425 SH   SOLE   21,425 0 0
Ishares Russell 2000 ETF COM 464287655 1,239 8,652 SH   SOLE   8,652 0 0
Ishares Russell Mid-Cap ETF COM 464287499 654 12,201 SH   SOLE   12,201 0 0
Ishares Russell Mid-Cap Growth ETF COM 464287481 3,003 18,990 SH   SOLE   18,990 0 0
Ishares Russell Mid-Cap Value ETF COM 464287473 552 7,219 SH   SOLE   7,219 0 0
Ishares S&P 500 Value ETF COM 464287408 281 2,600 SH   SOLE   2,600 0 0
Ishares US Medical Devices ETF COM 464288810 2,529 9,550 SH   SOLE   9,550 0 0
Ishares US Preferred Stock ETF COM 464288687 2,416 69,750 SH   SOLE   69,750 0 0
Robo Global Robotics & Automation COM 301505707 812 18,675 SH   SOLE   18,675 0 0
SPDR Gold Trust COM 78463V107 226 1,350 SH   SOLE   1,350 0 0
SPDR S&P 500 ETF Trust COM 78462F103 2,043 6,625 SH   SOLE   6,625 0 0
SPDR S&P 600 Small Cap ETF COM 78464A813 2,364 40,050 SH   SOLE   40,050 0 0
SPDR Ser Tr S&P Dividend COM 78464A763 775 8,500 SH   SOLE   8,500 0 0
SPDR S&P Midcap 400 COM 78467Y107 1,152 3,550 SH   SOLE   3,550 0 0
SPDR Fd Technology COM 81369Y803 2,889 27,650 SH   SOLE   27,650 0 0
SPDR Fd Utilities COM 81369Y886 237 4,200 SH   SOLE   4,200 0 0
Vanguard Extended Market ETF COM 922908652 1,012 8,550 SH   SOLE   8,550 0 0
Vanguard Growth ETF COM 922908736 5,137 25,420 SH   SOLE   25,420 0 0
Vanguard High Div Yield COM 921946406 438 5,566 SH   SOLE   5,566 0 0
Vanguard Large-Cap ETF COM 922908637 2,435 17,031 SH   SOLE   17,031 0 0
Vanguard Mega Cap Growth ETF COM 921910816 2,829 17,300 SH   SOLE   17,300 0 0
Vanguard Mid Cap Growth ETF COM 922908538 1,159 7,020 SH   SOLE   7,020 0 0
Vanguard Total Stock Market ETF COM 922908769 4,128 26,370 SH   SOLE   26,370 0 0
Vanguard Value ETF COM 922908744 310 3,112 SH   SOLE   3,112 0 0
Ishares TIPS Bond ETF COM 464287176 722 5,873 SH   SOLE   5,873 0 0
Pimco Enhanced SH MAT ETF COM 72201R833 1,124 11,050 SH   SOLE   11,050 0 0
SPDR Barclays High Yield Bd ETF COM 78468R622 205 2,030 SH   SOLE   2,030 0 0
Vanguard Short Term Inflation Protected ETF COM 922020805 301 6,000 SH   SOLE   6,000 0 0