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
Estimated average burden
hours per response: 23.8
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
Agilent Tech, Inc. Common Stock 00846u101 295 2 PRN   SOLE 0.00 2 0 0
AMERICAN AIRLS GROUP INC COM Common Stock 02376R102 63 3 PRN   SOLE 0.00 3 0 0
ADVANCE AUTO PARTS INC COM Common Stock 00751Y106 205 1 PRN   SOLE 0.00 1 0 0
Apple, Inc. Common Stock 037833100 24,342,311 177,733 PRN   SOLE 0.00 175,142 0 2,591
iShares MSCI All Country Asia ex Japan ETF Common Stock 464288182 123,308,986 1,304,857 PRN   SOLE 0.00 1,298,173 0 6,684
AbbVie Inc. Common Stock 00287Y109 1,576 14 PRN   SOLE 0.00 14 0 0
Amerisourcebergen Corp Common Stock 03073E105 114 1 PRN   SOLE 0.00 1 0 0
Abbott Laboratories Common Stock 002824100 1,623 14 PRN   SOLE 0.00 14 0 0
Accenture PLC New Common Stock G1151C101 1,179 4 PRN   SOLE 0.00 4 0 0
Adobe Systems, Inc. Common Stock 00724F101 1,756 3 PRN   SOLE 0.00 3 0 0
Analog Devices, Inc. Common Stock 032654105 344 2 PRN   SOLE 0.00 2 0 0
Automatic Data Processing Inc. Common Stock 053015103 595 3 PRN   SOLE 0.00 3 0 0
Autodesk, Inc. Common Stock 052769106 291 1 PRN   SOLE 0.00 1 0 0
AFLAC, Inc. Com Common Stock 001055102 375 7 PRN   SOLE 0.00 7 0 0
American International Group Inc. Corp. Common Stock 026874784 476 10 PRN   SOLE 0.00 10 0 0
ASSURANT INC COM Common Stock 04621X108 156 1 PRN   SOLE 0.00 1 0 0
Gallager Arthur J Common Stock 363576109 280 2 PRN   SOLE 0.00 2 0 0
Akamai Technologies, Inc. Common Stock 00971T101 116 1 PRN   SOLE 0.00 1 0 0
ALIGN TECHNOLOGY Common Stock 016255101 611 1 PRN   SOLE 0.00 1 0 0
Allstate Corp. Common Stock 020002101 521 4 PRN   SOLE 0.00 4 0 0
Alexion Pharmaceuticals Inc. Common Stock 015351109 367 2 PRN   SOLE 0.00 2 0 0
Applied Materials, Inc. Common Stock 038222105 854 6 PRN   SOLE 0.00 6 0 0
Advanced Micro Devices Inc Common Stock 007903107 751 8 PRN   SOLE 0.00 8 0 0
AMETEK INC NEW COM Common Stock 031100100 133 1 PRN   SOLE 0.00 1 0 0
Amgen, Inc. Common Stock 031162100 1,218 5 PRN   SOLE 0.00 5 0 0
Ameriprise Fin'l, Inc. Common Stock 03076c106 248 1 PRN   SOLE 0.00 1 0 0
Amazon.Com, Inc. Common Stock 023135106 52,214,748 15,178 PRN   SOLE 0.00 14,957 0 221
Ansys, Inc Common Stock 03662Q105 347 1 PRN   SOLE 0.00 1 0 0
ANTHEM INC COM Common Stock 036752103 763 2 PRN   SOLE 0.00 2 0 0
AON Plc Common Stock G0403H108 716 3 PRN   SOLE 0.00 3 0 0
Smith AO Common Stock 831865209 72 1 PRN   SOLE 0.00 1 0 0
Apache Corp. Common Stock 03743Q108 86 4 PRN   SOLE 0.00 4 0 0
AMPHENOL CORP NEW CL A Common Stock 032095101 273 4 PRN   SOLE 0.00 4 0 0
Aptiv PLC Common Stock G6095L109 314 2 PRN   SOLE 0.00 2 0 0
Activision Blizzard Inc Common Stock 00507V109 668 7 PRN   SOLE 0.00 7 0 0
BROADCOM INC Common Stock 11135F101 1,430 3 PRN   SOLE 0.00 3 0 0
American Express Co. Common Stock 025816109 44,881,424 271,630 PRN   SOLE 0.00 267,654 0 3,976
Boeing Company Common Stock 097023105 479 2 PRN   SOLE 0.00 2 0 0
Bank of America Corp Common Stock 060505104 42,722,814 1,036,207 PRN   SOLE 0.00 1,021,119 0 15,088
Baxter International Inc. Common Stock 071813109 322 4 PRN   SOLE 0.00 4 0 0
Best Buy Co., Inc. Common Stock 086516101 229 2 PRN   SOLE 0.00 2 0 0
Becton Dickinson Co. Common Stock 075887109 486 2 PRN   SOLE 0.00 2 0 0
Franklin Resources Common Stock 354613101 95 3 PRN   SOLE 0.00 3 0 0
Biogen, Inc. Common Stock 09062X103 346 1 PRN   SOLE 0.00 1 0 0
Bank of New York, Inc Common Stock 064058100 461 9 PRN   SOLE 0.00 9 0 0
Baker Hughes A GE CO Common Stock 05722G100 228 10 PRN   SOLE 0.00 10 0 0
BLACKROCK INC COM Common Stock 09247X101 1,749 2 PRN   SOLE 0.00 2 0 0
Bristol-Myers Squibb Common Stock 110122108 1,202 18 PRN   SOLE 0.00 18 0 0
Broadridge Financial Solutions Common Stock 11133t103 161 1 PRN   SOLE 0.00 1 0 0
Berkshire Hathaway, Inc. CL. B Common Stock 084670702 6,114 22 PRN   SOLE 0.00 22 0 0
Boston Scientific Corp Common Stock 101137107 470 11 PRN   SOLE 0.00 11 0 0
Borg Warner Inc Common Stock 099724106 97 2 PRN   SOLE 0.00 2 0 0
Citigroup Inc. com New Common Stock 172967424 1,698 24 PRN   SOLE 0.00 24 0 0
Cardinal Health Inc Common Stock 14149y108 114 2 PRN   SOLE 0.00 2 0 0
Carrier Global Corp Common Stock 14448C104 145 3 PRN   SOLE 0.00 3 0 0
Caterpillar Inc. Common Stock 149123101 55,060 253 PRN   SOLE 0.00 253 0 0
D B A CHUBB LIMITED Common Stock h1467j104 794 5 PRN   SOLE 0.00 5 0 0
CBOE Holdings Inc. Common Stock 12503M108 119 1 PRN   SOLE 0.00 1 0 0
Carnival Corp Paired Ctf Common Stock 143658300 184 7 PRN   SOLE 0.00 7 0 0
CADENCE DESIGN SYSTEMS, INC. Common Stock 127387108 273 2 PRN   SOLE 0.00 2 0 0
CDW Corporation Common Stock 12514G108 174 1 PRN   SOLE 0.00 1 0 0
Cerner Corp. Common Stock 156782104 234 3 PRN   SOLE 0.00 3 0 0
Citizens Financial Common Stock 174610105 229 5 PRN   SOLE 0.00 5 0 0
Charter Communications Inc. Common Stock 16119p108 721 1 PRN   SOLE 0.00 1 0 0
CIGNA Corp. Common Stock 125523100 711 3 PRN   SOLE 0.00 3 0 0
CINCINNATI FINL CORP COM Common Stock 172062101 233 2 PRN   SOLE 0.00 2 0 0
Comerica, Inc. Common Stock 200340107 142 2 PRN   SOLE 0.00 2 0 0
Comcast Corp. Cl.A Common Stock 20030N101 44,757,107 784,937 PRN   SOLE 0.00 773,523 0 11,414
Chicago Mercantile Exchange Common Stock 12572q105 850 4 PRN   SOLE 0.00 4 0 0
CUMMINS INC COM Common Stock 231021106 243 1 PRN   SOLE 0.00 1 0 0
Centene Corp. Common Stock 15135B101 364 5 PRN   SOLE 0.00 5 0 0
Capital One Financial Corp. Common Stock 14040H105 773 5 PRN   SOLE 0.00 5 0 0
CABOT OIL & GAS CORP COM Common Stock 127097103 87 5 PRN   SOLE 0.00 5 0 0
ConocoPhillips Common Stock 20825c104 974 16 PRN   SOLE 0.00 16 0 0
Copart Inc Common Stock 217204106 131 1 PRN   SOLE 0.00 1 0 0
Salesforce.com, Inc. Common Stock 79466L302 45,596,171 186,663 PRN   SOLE 0.00 183,926 0 2,737
Cisco Systems, Inc. Common Stock 17275R102 1,431 27 PRN   SOLE 0.00 27 0 0
C S X Corp. Common Stock 126408103 288 9 PRN   SOLE 0.00 9 0 0
Catalent Inc Common Stock 148806102 108 1 PRN   SOLE 0.00 1 0 0
Cognizant Tech Solutions Corp. Common Stock 192446102 207 3 PRN   SOLE 0.00 3 0 0
Citrix Systems Common Stock 177376100 117 1 PRN   SOLE 0.00 1 0 0
CVS Health Corp. Common Stock 126650100 834 10 PRN   SOLE 0.00 10 0 0
Chevron Corp. Common Stock 166764100 43,316,483 413,562 PRN   SOLE 0.00 407,481 0 6,081
Caesars Entertainment Inc Common Stock 12769G100 207 2 PRN   SOLE 0.00 2 0 0
Delta Air Lines, Inc. Common Stock 247361702 129 3 PRN   SOLE 0.00 3 0 0
Deere & Company Common Stock 244199105 352 1 PRN   SOLE 0.00 1 0 0
Wisdom Tree Emerging Markets ETF Common Stock 97717W315 3,563 78 PRN   SOLE 0.00 78 0 0
Discover Financial Services Common Stock 254709108 473 4 PRN   SOLE 0.00 4 0 0
Dollar General Corp Common Stock 256677105 432 2 PRN   SOLE 0.00 2 0 0
Quest Diagnostics Inc. Common Stock 74834L100 131 1 PRN   SOLE 0.00 1 0 0
D R HORTON INC COM Common Stock 23331A109 271 3 PRN   SOLE 0.00 3 0 0
Danaher Corp Common Stock 235851102 1,341 5 PRN   SOLE 0.00 5 0 0
Disney, Walt Co. Common Stock 254687106 2,988 17 PRN   SOLE 0.00 17 0 0
Discovery Holding CO CL A Common Stock 25470F104 30 1 PRN   SOLE 0.00 1 0 0
DISCOVERY COMMUNICATIONS, INC - SERIES C C Common Stock 25470F302 57 2 PRN   SOLE 0.00 2 0 0
Dish Networks Corp Cl A Common Stock 25470M109 83 2 PRN   SOLE 0.00 2 0 0
Dollar Tree, Inc. Common Stock 256746108 199 2 PRN   SOLE 0.00 2 0 0
Dover Corp. Common Stock 260003108 150 1 PRN   SOLE 0.00 1 0 0
Darden Restaurants Common Stock 237194105 145 1 PRN   SOLE 0.00 1 0 0
Devon Energy Corp. New Common Stock 25179M103 233 8 PRN   SOLE 0.00 8 0 0
DXC Technology Common Stock 23355L106 77 2 PRN   SOLE 0.00 2 0 0
Dexcom Inc Common Stock 252131107 427 1 PRN   SOLE 0.00 1 0 0
Electronic Arts Inc Common Stock 285512109 431 3 PRN   SOLE 0.00 3 0 0
eBay, Inc. Common Stock 278642103 351 5 PRN   SOLE 0.00 5 0 0
Emerson Electric Co Common Stock 291011104 192 2 PRN   SOLE 0.00 2 0 0
Enphase Energy Common Stock 29355A107 183 1 PRN   SOLE 0.00 1 0 0
EOG Resources, Inc. Common Stock 26875P101 584 7 PRN   SOLE 0.00 7 0 0
Eaton Corp. Common Stock G29183103 296 2 PRN   SOLE 0.00 2 0 0
Etsy Inc Common Stock 29786A106 205 1 PRN   SOLE 0.00 1 0 0
EDWARDS LIFESCIENCES COM Common Stock 28176E108 517 5 PRN   SOLE 0.00 5 0 0
Expeditors Intl Common Stock 302130109 126 1 PRN   SOLE 0.00 1 0 0
Expedia Inc Common Stock 30212p303 163 1 PRN   SOLE 0.00 1 0 0
Ford Mtr Co. Common Stock 345370860 475 32 PRN   SOLE 0.00 32 0 0
DIAMONDBACK ENERGY INC Common Stock 25278X109 187 2 PRN   SOLE 0.00 2 0 0
Fastenal Company Common Stock 311900104 104 2 PRN   SOLE 0.00 2 0 0
Facebook Inc Common Stock 30303M102 46,763,517 134,490 PRN   SOLE 0.00 132,518 0 1,972
FORTUNE BRANDS HOME AND SECURITY INC Common Stock 34964C106 99 1 PRN   SOLE 0.00 1 0 0
First Trust STOXX Euro Di Common Stock 33735T109 3,930 272 PRN   SOLE 0.00 272 0 0
FEDEX Corp. Common Stock 31428x106 298 1 PRN   SOLE 0.00 1 0 0
FIDELITY NATL INFO SVC COM Common Stock 31620M106 566 4 PRN   SOLE 0.00 4 0 0
FISERV, Inc. Common Stock 337738108 427 4 PRN   SOLE 0.00 4 0 0
Fifth Third Bancorp Common Stock 316773100 344 9 PRN   SOLE 0.00 9 0 0
Fleetcor Technologies Common Stock 339041105 256 1 PRN   SOLE 0.00 1 0 0
Fox Corp CL B Common Stock 35137L204 70 2 PRN   SOLE 0.00 2 0 0
Twenty-First Cent Fox Inc Cl A Common Stock 35137L105 111 3 PRN   SOLE 0.00 3 0 0
First Rep BK San Fran CA Common Stock 33616C100 374 2 PRN   SOLE 0.00 2 0 0
FORTINET INC Common Stock 34959E109 238 1 PRN   SOLE 0.00 1 0 0
Fortive Corp Common Stock 34959j108 69 1 PRN   SOLE 0.00 1 0 0
General Dynamics Corp. Common Stock 369550108 188 1 PRN   SOLE 0.00 1 0 0
General Electric Co. Common Stock 369604103 471 35 PRN   SOLE 0.00 35 0 0
Gilead Sciences, Inc. Common Stock 375558103 688 10 PRN   SOLE 0.00 10 0 0
Globe Life Inc Common Stock 37959E102 95 1 PRN   SOLE 0.00 1 0 0
SPDR Gold MiniSharesTrust Common Stock 98149E204 18,243 1,036 PRN   SOLE 0.00 1,036 0 0
Corning, Inc. Common Stock 219350105 204 5 PRN   SOLE 0.00 5 0 0
General Motors Corp. Common Stock 37045V100 650 11 PRN   SOLE 0.00 11 0 0
Alphabet Inc. C Common Stock 02079K107 7,518 3 PRN   SOLE 0.00 3 0 0
Alphabet Inc. Class A Common Stock 02079K305 46,135,180 18,894 PRN   SOLE 0.00 18,652 0 242
GENUINE PARTS CO COM Common Stock 372460105 126 1 PRN   SOLE 0.00 1 0 0
GLOBAL PMTS INC COM Common Stock 37940X102 375 2 PRN   SOLE 0.00 2 0 0
Gap Inc. Common Stock 364760108 67 2 PRN   SOLE 0.00 2 0 0
GARMIN LTD. Common Stock H2906T109 144 1 PRN   SOLE 0.00 1 0 0
Goldman Sachs Group Common Stock 38141G104 1,518 4 PRN   SOLE 0.00 4 0 0
Halliburton Co Holdings Co. Common Stock 406216101 254 11 PRN   SOLE 0.00 11 0 0
Hasbro Inc Common Stock 418056107 94 1 PRN   SOLE 0.00 1 0 0
HUNTINGTON BANCSHARES COM Common Stock 446150104 256 18 PRN   SOLE 0.00 18 0 0
Hanesbrand Inc. Common Stock 410345102 56 3 PRN   SOLE 0.00 3 0 0
HCA Holdings, Inc. Common Stock 40412C101 413 2 PRN   SOLE 0.00 2 0 0
Home Depot Inc. Common Stock 437076102 45,006,221 141,134 PRN   SOLE 0.00 139,077 0 2,057
Hess Corporation Common Stock 42809h107 261 3 PRN   SOLE 0.00 3 0 0
Hartford Financial Services Group Inc. Common Stock 416515104 247 4 PRN   SOLE 0.00 4 0 0
HILTON WORLDWIDE HLDGS INC COM Common Stock 43300A203 241 2 PRN   SOLE 0.00 2 0 0
Hologic Inc. Common Stock 436440101 133 2 PRN   SOLE 0.00 2 0 0
Honeywell Intl. Inc. Common Stock 438516106 42,072,426 191,805 PRN   SOLE 0.00 189,002 0 2,803
HEWLETT PACKARD ENTERPRISE Common Stock 42824C109 116 8 PRN   SOLE 0.00 8 0 0
Hewlett-Packard Co. Common Stock 40434L105 241 8 PRN   SOLE 0.00 8 0 0
Schein (Henry) Inc. Common Stock 806407102 74 1 PRN   SOLE 0.00 1 0 0
Humana Inc. Common Stock 444859102 442 1 PRN   SOLE 0.00 1 0 0
Howmet Aerospace Inc Common Stock 443201108 68 2 PRN   SOLE 0.00 2 0 0
Int'l Business Machines Common Stock 459200101 879 6 PRN   SOLE 0.00 6 0 0
IntercontinentalExchange Group Common Stock 45866F104 712 6 PRN   SOLE 0.00 6 0 0
IDEXX Laboratories Inc Common Stock 45168D104 631 1 PRN   SOLE 0.00 1 0 0
iShares Barclays 3 to 7 yr Trsy Bd Fd Common Stock 464288661 50,435,682 386,391 PRN   SOLE 0.00 384,755 0 1,636
iShares Core MSCI Europe ETF Common Stock 46434V738 81,171,406 1,417,098 PRN   SOLE 0.00 1,409,845 0 7,253
Illumina Inc Common Stock 452327109 473 1 PRN   SOLE 0.00 1 0 0
Incyte Corporation Common Stock 45337C102 84 1 PRN   SOLE 0.00 1 0 0
IHS Markit Ltd Common Stock G47567105 225 2 PRN   SOLE 0.00 2 0 0
Intel Corp. Common Stock 458140100 1,459 26 PRN   SOLE 0.00 26 0 0
Intuit Inc Common Stock 461202103 980 2 PRN   SOLE 0.00 2 0 0
Interpublic Group of Companies Inc. Common Stock 460690100 97 3 PRN   SOLE 0.00 3 0 0
Iqvia Holdins Inc Common Stock 46266c105 484 2 PRN   SOLE 0.00 2 0 0
Ingersoll-Rand Plc Common Stock 45687v106 48 1 PRN   SOLE 0.00 1 0 0
Intuitive Surgical Common Stock 46120E602 919 1 PRN   SOLE 0.00 1 0 0
Gartner Inc. Common Stock 366651107 242 1 PRN   SOLE 0.00 1 0 0
Illinois Tool Works Common Stock 452308109 223 1 PRN   SOLE 0.00 1 0 0
Inveso Ltd Common Stock G491BT108 133 5 PRN   SOLE 0.00 5 0 0
iShares Russell 3000 ETF Common Stock 464287689 85,473 334 PRN   SOLE 0.00 334 0 0
iShares U.S. Financial Srvcs Common Stock 464287770 59,082,813 318,970 PRN   SOLE 0.00 317,445 0 1,525
Jacobs Engineering Group Common Stock 469814107 133 1 PRN   SOLE 0.00 1 0 0
Johnson Controls, Inc. Common Stock g51502105 205 3 PRN   SOLE 0.00 3 0 0
Johnson & Johnson Common Stock 478160104 44,026,600 267,249 PRN   SOLE 0.00 263,356 0 3,893
Juniper Common Stock 48203R104 54 2 PRN   SOLE 0.00 2 0 0
JPMorgan Chase & Co. Common Stock 46625H100 41,701,518 268,108 PRN   SOLE 0.00 264,197 0 3,911
Keycorp New Common Stock 493267108 247 12 PRN   SOLE 0.00 12 0 0
Keysight Technologies Inc Common Stock 49338l103 154 1 PRN   SOLE 0.00 1 0 0
KLA-Tencor Corp Common Stock 482480100 324 1 PRN   SOLE 0.00 1 0 0
Kinder Morgan Inc Common Stock 49456B101 437 24 PRN   SOLE 0.00 24 0 0
Carmax, Inc. Common Stock 143130102 129 1 PRN   SOLE 0.00 1 0 0
Loews Corporation Common Stock 540424108 109 2 PRN   SOLE 0.00 2 0 0
L Brands Inc Common Stock 501797104 144 2 PRN   SOLE 0.00 2 0 0
LEIDOS HLDGS INC Common Stock 525327102 101 1 PRN   SOLE 0.00 1 0 0
Leggett & Platt, Inc. Common Stock 524660107 51 1 PRN   SOLE 0.00 1 0 0
Lennar Corp. Cl A Common Stock 526057104 198 2 PRN   SOLE 0.00 2 0 0
Laboratory Corp. Amer. Common Stock 50540r409 275 1 PRN   SOLE 0.00 1 0 0
L3Harris Technologies Common Stock 502431109 216 1 PRN   SOLE 0.00 1 0 0
LKQ CORPORATION Common Stock 501889208 98 2 PRN   SOLE 0.00 2 0 0
LILLY ELI & CO Common Stock 532457108 1,377 6 PRN   SOLE 0.00 6 0 0
Lockheed Martin Corp. Common Stock 539830109 378 1 PRN   SOLE 0.00 1 0 0
Lincoln National Corp. Common Stock 534187109 125 2 PRN   SOLE 0.00 2 0 0
Lowes Cos. Inc. Common Stock 548661107 1,163 6 PRN   SOLE 0.00 6 0 0
iShares iBoxx $ Invest. Grade Corp Bd ETF Common Stock 464287242 58,054,495 432,081 PRN   SOLE 0.00 430,251 0 1,830
iShares Int Rate Hedged Corp Bd ETF Common Stock 46431W705 7,126 74 PRN   SOLE 0.00 74 0 0
Lam Research Corp Common Stock 512807108 650 1 PRN   SOLE 0.00 1 0 0
Lumen Technologies Common Stock 550241103 135 10 PRN   SOLE 0.00 10 0 0
Southwest Airlines Common Stock 844741108 106 2 PRN   SOLE 0.00 2 0 0
Las Vegas Sands Corp Common Stock 517834107 158 3 PRN   SOLE 0.00 3 0 0
Live Nation Inc. Common Stock 538034109 87 1 PRN   SOLE 0.00 1 0 0
Mastercard Inc. Common Stock 57636Q104 44,609,982 122,189 PRN   SOLE 0.00 120,418 0 1,771
Marriot Int'l Inc. Common Stock 571903202 273 2 PRN   SOLE 0.00 2 0 0
MASCO Corp Common Stock 574599106 58 1 PRN   SOLE 0.00 1 0 0
McDonalds Corp Common Stock 580135101 1,385 6 PRN   SOLE 0.00 6 0 0
Microchip Technology Inc. Common Stock 595017104 299 2 PRN   SOLE 0.00 2 0 0
McKesson Corp. Common Stock 58155Q103 191 1 PRN   SOLE 0.00 1 0 0
Moodys Corp Com Common Stock 615369105 724 2 PRN   SOLE 0.00 2 0 0
Medtronic Inc. Common Stock G5960L103 44,069,873 355,030 PRN   SOLE 0.00 349,856 0 5,174
Metlife Inc Com Common Stock 59156r108 478 8 PRN   SOLE 0.00 8 0 0
MGM Resorts International Common Stock 552953101 170 4 PRN   SOLE 0.00 4 0 0
Global X MLP & Energy Infrastructure ETF Common Stock 37954Y293 42,590 1,172 PRN   SOLE 0.00 1,172 0 0
Marsh & Mclennan Cos Common Stock 571748102 844 6 PRN   SOLE 0.00 6 0 0
3M Company Common Stock 88579y101 397 2 PRN   SOLE 0.00 2 0 0
MARATHON PETROLEUM CORPORATION COMMON STOC Common Stock 56585A102 483 8 PRN   SOLE 0.00 8 0 0
Merck & Co Inc Common Stock 58933Y105 1,555 20 PRN   SOLE 0.00 20 0 0
Marathon Oil Corp Common Stock 565849106 136 10 PRN   SOLE 0.00 10 0 0
Morgan Stanley Common Stock 617446448 1,558 17 PRN   SOLE 0.00 17 0 0
MSCI Inc. Common Stock 55354G100 533 1 PRN   SOLE 0.00 1 0 0
Microsoft Corp Common Stock 594918104 48,320,433 178,370 PRN   SOLE 0.00 175,777 0 2,593
Motorola Solutions Inc Common Stock 620076307 216 1 PRN   SOLE 0.00 1 0 0
M&T Bank Corporation Common Stock 55261F104 145 1 PRN   SOLE 0.00 1 0 0
Micron Technology Inc Com Common Stock 595112103 594 7 PRN   SOLE 0.00 7 0 0
Maxim Integrated Prods Com Common Stock 57772K101 210 2 PRN   SOLE 0.00 2 0 0
NORWEGIAN CRUISE LINE HLDS INC Common Stock G66721104 88 3 PRN   SOLE 0.00 3 0 0
Nasdaq Stock Market (The) Common Stock 631103108 175 1 PRN   SOLE 0.00 1 0 0
Netflix Inc Common Stock 64110L106 2,112 4 PRN   SOLE 0.00 4 0 0
Nike, Inc. Class B Common Stock 654106103 1,544 10 PRN   SOLE 0.00 10 0 0
NortonLife Lock Inc Common Stock 668771108 81 3 PRN   SOLE 0.00 3 0 0
Nielson Holdings NV Common Stock G6518L108 24 1 PRN   SOLE 0.00 1 0 0
Northrop Grumman Corp. Common Stock 666807102 363 1 PRN   SOLE 0.00 1 0 0
National-Oilwell Varco Inc Common Stock 62955J103 91 6 PRN   SOLE 0.00 6 0 0
ServiceNow Inc. Common Stock 81762P102 549 1 PRN   SOLE 0.00 1 0 0
Norfolk Southern Crp Common Stock 655844108 265 1 PRN   SOLE 0.00 1 0 0
Netapp, Inc. Common Stock 64110d104 81 1 PRN   SOLE 0.00 1 0 0
Northern Tr Corp Common Stock 665859104 346 3 PRN   SOLE 0.00 3 0 0
NVIDIA Corp Common Stock 67066G104 3,200 4 PRN   SOLE 0.00 4 0 0
Newell Rubbermaid Inc Com Common Stock 651229106 82 3 PRN   SOLE 0.00 3 0 0
News Corp. Class B New Common Stock 65249B208 24 1 PRN   SOLE 0.00 1 0 0
News Corp Inc. Common Stock 65249B109 103 4 PRN   SOLE 0.00 4 0 0
NXP SEMICONDUCTORS N.V. Common Stock N6596X109 411 2 PRN   SOLE 0.00 2 0 0
ORGANON & CO Common Stock 68622V106 60 2 PRN   SOLE 0.00 2 0 0
ONEOK INC NEW COM Common Stock 682680103 278 5 PRN   SOLE 0.00 5 0 0
Omnicom Group Common Stock 681919106 159 2 PRN   SOLE 0.00 2 0 0
Oracle Corp. Common Stock 68389X105 934 12 PRN   SOLE 0.00 12 0 0
O'Reilly Automotive Inc Common Stock 67103H107 566 1 PRN   SOLE 0.00 1 0 0
Otis Worldwide Corp Common Stock 68902V107 163 2 PRN   SOLE 0.00 2 0 0
Occidental Petroleum Corp Common Stock 674599105 312 10 PRN   SOLE 0.00 10 0 0
Paychex Inc Common Stock 704326107 214 2 PRN   SOLE 0.00 2 0 0
PEOPLES UTD FINL INC COM Common Stock 712704105 85 5 PRN   SOLE 0.00 5 0 0
Paccar Inc Common Stock 693718108 89 1 PRN   SOLE 0.00 1 0 0
Invesco Optimum Yield Dvsfd ETF Common Stock 46090F100 96,211 4,789 PRN   SOLE 0.00 4,789 0 0
Penn National Gaming Inc. Common Stock 707569109 76 1 PRN   SOLE 0.00 1 0 0
Pfizer Inc Common Stock 717081103 1,723 44 PRN   SOLE 0.00 44 0 0
iShares US Preferred ETF Common Stock 464288687 9,242 235 PRN   SOLE 0.00 235 0 0
Principal Financial Group Inc. Common Stock 74251V102 189 3 PRN   SOLE 0.00 3 0 0
Progressive Corp. Ohio Common Stock 743315103 687 7 PRN   SOLE 0.00 7 0 0
Parker Hannifin Corp Com Common Stock 701094104 307 1 PRN   SOLE 0.00 1 0 0
Pulte Homes Common Stock 745867101 109 2 PRN   SOLE 0.00 2 0 0
Perkinelmer Inc Com Common Stock 714046109 154 1 PRN   SOLE 0.00 1 0 0
PNC Financial Services Group Common Stock 693475105 21,655,456 113,522 PRN   SOLE 0.00 111,868 0 1,654
PENTAIR INC COM Common Stock G7S00T104 67 1 PRN   SOLE 0.00 1 0 0
Perrigo Company PLC Ireland Common Stock G97822103 45 1 PRN   SOLE 0.00 1 0 0
Prudential Financial Inc. Common Stock 744320102 409 4 PRN   SOLE 0.00 4 0 0
Phillips 66 Common Stock 718546104 429 5 PRN   SOLE 0.00 5 0 0
PTC Inc Common Stock 69370c100 141 1 PRN   SOLE 0.00 1 0 0
PVH Corp. Com USD1 Common Stock 693656100 107 1 PRN   SOLE 0.00 1 0 0
PIONEER NAT RES CO COM Common Stock 723787107 487 3 PRN   SOLE 0.00 3 0 0
PayPal Holdings, Inc. Common Stock 70450Y103 49,275,276 169,052 PRN   SOLE 0.00 166,592 0 2,460
Qualcomm Inc. Common Stock 747525103 23,589,595 165,043 PRN   SOLE 0.00 162,651 0 2,392
Qorvo Inc Common Stock 74736K101 195 1 PRN   SOLE 0.00 1 0 0
ROYAL CARIBBEAN CRUISE COM Common Stock V7780T103 170 2 PRN   SOLE 0.00 2 0 0
Regeneron Pharmaceuticals Common Stock 75886F107 558 1 PRN   SOLE 0.00 1 0 0
ishares Mortgage Real Estate ETF Common Stock 46435G342 5,419 146 PRN   SOLE 0.00 146 0 0
Regions Financial Corp. Common Stock 7591EP100 201 10 PRN   SOLE 0.00 10 0 0
Robert Half International Inc. Common Stock 770323103 88 1 PRN   SOLE 0.00 1 0 0
RAYMOND JAMES FINL INC COM Common Stock 754730109 129 1 PRN   SOLE 0.00 1 0 0
Ralph Lauren Corporation Common Stock 751212101 117 1 PRN   SOLE 0.00 1 0 0
ResMed Inc. Common Stock 761152107 246 1 PRN   SOLE 0.00 1 0 0
ROLLINS INC COM Common Stock 775711104 34 1 PRN   SOLE 0.00 1 0 0
Ross Stores Inc Com Common Stock 778296103 372 3 PRN   SOLE 0.00 3 0 0
REPUBLIC SVCS INC COM Common Stock 760759100 110 1 PRN   SOLE 0.00 1 0 0
Raytheon Technologies Common Stock 75513E101 511 6 PRN   SOLE 0.00 6 0 0
Starbucks Corp Common Stock 855244109 1,118 10 PRN   SOLE 0.00 10 0 0
Charles Schwab Corporation Common Stock 808513105 1,237 17 PRN   SOLE 0.00 17 0 0
SVB FINL GROUP COM Common Stock 78486Q101 556 1 PRN   SOLE 0.00 1 0 0
Schlumberger Limited Common Stock 806857108 512 16 PRN   SOLE 0.00 16 0 0
Synopsys Inc Com Common Stock 871607107 275 1 PRN   SOLE 0.00 1 0 0
S&P Global Inc. Common Stock 78409V104 1,231 3 PRN   SOLE 0.00 3 0 0
SPDR Portfolio Short Term Corp. Bd. ETF Common Stock 78464A474 107,721,391 3,441,578 PRN   SOLE 0.00 3,426,947 0 14,631
STERIS CORP COM Common Stock G8473T100 206 1 PRN   SOLE 0.00 1 0 0
State Street Corp Common Stock 857477103 329 4 PRN   SOLE 0.00 4 0 0
SEAGATE TECHNOLOGY. Common Stock G7997R103 87 1 PRN   SOLE 0.00 1 0 0
Stanley Black and Decker Inc Common Stock 854502101 204 1 PRN   SOLE 0.00 1 0 0
Skyworks Solutions Inc Common Stock 83088M102 191 1 PRN   SOLE 0.00 1 0 0
SYNCHRONY FINL Common Stock 87165B103 291 6 PRN   SOLE 0.00 6 0 0
Stryker Corp Com Common Stock 863667101 779 3 PRN   SOLE 0.00 3 0 0
AT&T, Inc. Common Stock 00206R102 1,899 66 PRN   SOLE 0.00 66 0 0
TE CONNECTIVITY LTD SHS Common Stock H84989104 270 2 PRN   SOLE 0.00 2 0 0
Teradyne Inc Com Common Stock 880770102 133 1 PRN   SOLE 0.00 1 0 0
Truist Financial Corp Common Stock 89832Q109 832 15 PRN   SOLE 0.00 15 0 0
Target Corp. Common Stock 87612E106 966 4 PRN   SOLE 0.00 4 0 0
TJX Companies Common Stock 872540109 44,742,271 663,635 PRN   SOLE 0.00 653,969 0 9,666
Thermo Fisher Scientific Common Stock 883556102 1,513 3 PRN   SOLE 0.00 3 0 0
T-Mobile US, Inc. Common Stock 872590104 724 5 PRN   SOLE 0.00 5 0 0
Tapestry Inc Common Stock 876030107 86 2 PRN   SOLE 0.00 2 0 0
TRIMBLE NAVIGATION LTD COM Common Stock 896239100 163 2 PRN   SOLE 0.00 2 0 0
T.Rowe Price Common Stock 74144T108 593 3 PRN   SOLE 0.00 3 0 0
Travelers Companies Common Stock 89417e109 449 3 PRN   SOLE 0.00 3 0 0
Tractor Supply Co Common Stock 892356106 186 1 PRN   SOLE 0.00 1 0 0
TESLA MOTORS INC Common Stock 88160R101 4,078 6 PRN   SOLE 0.00 6 0 0
Trane Technologies Common Stock G8994E103 184 1 PRN   SOLE 0.00 1 0 0
TAKE TWO INTERACTIVE SOFTWARE Common Stock 874054109 177 1 PRN   SOLE 0.00 1 0 0
Twitter, Inc. Common Stock 90184L102 481 7 PRN   SOLE 0.00 7 0 0
Texas Instruments Inc. Common Stock 882508104 1,153 6 PRN   SOLE 0.00 6 0 0
Textron Inc Common Stock 883203101 68 1 PRN   SOLE 0.00 1 0 0
UNDER ARMOUR INC CL C Common Stock 904311206 37 2 PRN   SOLE 0.00 2 0 0
Under Armour Inc Cl A Common Stock 904311107 21 1 PRN   SOLE 0.00 1 0 0
UNITED CONTINENTAL HOLDINGS INC Common Stock 910047109 52 1 PRN   SOLE 0.00 1 0 0
UNIVERSAL HLTH SVCS CL B Common Stock 913903100 146 1 PRN   SOLE 0.00 1 0 0
UnitedHealth Group, Inc. Common Stock 91324P102 43,863,797 109,539 PRN   SOLE 0.00 107,943 0 1,596
Unumprovident Corp Common Stock 91529y106 85 3 PRN   SOLE 0.00 3 0 0
Union Pacific Corp Common Stock 907818108 67,298 306 PRN   SOLE 0.00 306 0 0
United Parcel Svc Inc Cl B Common Stock 911312106 623 3 PRN   SOLE 0.00 3 0 0
U.S. Bancorp Common Stock 902973304 911 16 PRN   SOLE 0.00 16 0 0
iShares Broad USD High Yield Common Stock 46435U853 6,174 148 PRN   SOLE 0.00 148 0 0
VISA INC COM CL A Common Stock 92826C839 2,572 11 PRN   SOLE 0.00 11 0 0
Vanguard Intermediate Term Corp Bond Common Stock 92206c870 166,469,851 1,751,024 PRN   SOLE 0.00 1,743,582 0 7,442
Vanguard FTSE All-World ex-US ETF Common Stock 922042775 286,326,354 4,516,901 PRN   SOLE 0.00 4,494,074 0 22,827
VF Corp. Common Stock 918204108 246 3 PRN   SOLE 0.00 3 0 0
ViacomCBS Inc Cl B Common Stock 92556H206 271 6 PRN   SOLE 0.00 6 0 0
Valero Energy Common Stock 91913Y100 390 5 PRN   SOLE 0.00 5 0 0
Vanguard FTSE Pacific ETF Common Stock 922042866 80,523,296 978,293 PRN   SOLE 0.00 973,291 0 5,002
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Vertex Pharmaceuticals Inc. Common Stock 92532F100 403 2 PRN   SOLE 0.00 2 0 0
Viatris Inc Common Stock 92556V106 142 10 PRN   SOLE 0.00 10 0 0
Vanguard Intl High Dividend Yield ETF Common Stock 921946794 8,157 120 PRN   SOLE 0.00 120 0 0
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Wells Fargo & Co New Common Stock 949746101 21,348,483 471,373 PRN   SOLE 0.00 464,468 0 6,905
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Energy Select Sector SPDR Common Stock 81369y506 61,802,195 1,147,247 PRN   SOLE 0.00 1,141,715 0 5,532
Financial Select Sector SPDR Common Stock 81369Y605 176,886,269 4,821,103 PRN   SOLE 0.00 4,797,917 0 23,186
Industrial Select Sector SPDR Common Stock 81369y704 59,714,969 583,154 PRN   SOLE 0.00 580,353 0 2,801
Technology Select Sector SPDR Fund Common Stock 81369y803 321,231,140 2,175,478 PRN   SOLE 0.00 2,165,012 0 10,466
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Health Care Select Sector SPDR Fund Common Stock 81369y209 183,944,769 1,460,458 PRN   SOLE 0.00 1,453,430 0 7,028
Consumer Discretionary Select Sect SPDR Fd Common Stock 81369y407 182,444,146 1,021,809 PRN   SOLE 0.00 1,016,893 0 4,916
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SPDR S&P 500 ETF TRUST Common Stock 78462F103 238,857 558 PRN   SOLE 0.00 558 0 0
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ISHARES RUSSELL 2000 ETF Common Stock 464287655 62,388 272 PRN   SOLE 0.00 272 0 0
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