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
ABBOTT LABS COM 002824100 16,558 117,648 SH   SOLE   117,648 0 0
ABBVIE INC COM 00287Y109 2,317 17,110 SH   SOLE   17,110 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 285 502 SH   SOLE   502 0 0
AIR PRODS & CHEMS INC COM 009158106 13,947 45,840 SH   SOLE   45,840 0 0
ALPHABET INC CAP STK CL A 02079K305 9,131 3,152 SH   SOLE   3,152 0 0
ALPHABET INC CAP STK CL C 02079K107 530 183 SH   SOLE   183 0 0
ALTRIA GROUP INC COM 02209S103 937 19,764 SH   SOLE   19,764 0 0
AMAZON COM INC COM 023135106 5,025 1,507 SH   SOLE   1,507 0 0
APPLE INC COM 037833100 16,619 93,589 SH   SOLE   93,589 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,063 8,365 SH   SOLE   8,365 0 0
BK OF AMERICA CORP COM 060505104 1,971 44,307 SH   SOLE   44,307 0 0
BECTON DICKINSON & CO COM 075887109 234 929 SH   SOLE   929 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 610 9,785 SH   SOLE   9,785 0 0
BROADCOM INC COM 11135F101 246 370 SH   SOLE   370 0 0
CABOT CORP COM 127055101 3,641 64,783 SH   SOLE   64,783 0 0
CHEVRON CORP NEW COM 166764100 1,719 14,651 SH   SOLE   14,651 0 0
CINCINNATI FINL CORP COM 172062101 858 7,535 SH   SOLE   7,535 0 0
CISCO SYS INC COM 17275R102 3,027 47,770 SH   SOLE   47,770 0 0
CLOROX CO DEL COM 189054109 617 3,540 SH   SOLE   3,540 0 0
COCA COLA CO COM 191216100 380 6,422 SH   SOLE   6,422 0 0
COLGATE PALMOLIVE CO COM 194162103 524 6,136 SH   SOLE   6,136 0 0
COMCAST CORP NEW CL A 20030N101 9,063 180,071 SH   SOLE   180,071 0 0
CORNING INC COM 219350105 208 5,600 SH   SOLE   5,600 0 0
COSTCO WHSL CORP NEW COM 22160K105 796 1,402 SH   SOLE   1,402 0 0
DEXCOM INC COM 252131107 229 427 SH   SOLE   427 0 0
DISNEY WALT CO COM 254687106 11,552 74,581 SH   SOLE   74,581 0 0
DOMINION ENERGY INC COM 25746U109 308 3,924 SH   SOLE   3,924 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 663 6,325 SH   SOLE   6,325 0 0
LILLY ELI & CO COM 532457108 757 2,742 SH   SOLE   2,742 0 0
EMERSON ELEC CO COM 291011104 9,126 98,166 SH   SOLE   98,166 0 0
ESSENTIAL UTILS INC COM 29670G102 775 14,438 SH   SOLE   14,438 0 0
EXPEDITORS INTL WASH INC COM 302130109 257 1,915 SH   SOLE   1,915 0 0
EXXON MOBIL CORP COM 30231G102 3,591 58,694 SH   SOLE   58,694 0 0
GALLAGHER ARTHUR J & CO COM 363576109 680 4,010 SH   SOLE   4,010 0 0
GENERAL ELECTRIC CO COM NEW 369604301 957 10,135 SH   SOLE   10,135 0 0
HOME DEPOT INC COM 437076102 9,483 22,850 SH   SOLE   22,850 0 0
HONEYWELL INTL INC COM 438516106 1,597 7,658 SH   SOLE   7,658 0 0
ILLINOIS TOOL WKS INC COM 452308109 238 965 SH   SOLE   965 0 0
INTEL CORP COM 458140100 10,173 197,526 SH   SOLE   197,526 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 431 1,200 SH   SOLE   1,200 0 0
SMUCKER J M CO COM NEW 832696405 260 1,915 SH   SOLE   1,915 0 0
JOHNSON & JOHNSON COM 478160104 11,330 66,231 SH   SOLE   66,231 0 0
JPMORGAN CHASE & CO COM 46625H100 15,190 95,927 SH   SOLE   95,927 0 0
KIMBERLY-CLARK CORP COM 494368103 290 2,030 SH   SOLE   1,230 0 800
MASTERCARD INCORPORATED CL A 57636Q104 1,447 4,028 SH   SOLE   4,028 0 0
MERCK & CO INC COM 58933Y105 6,663 86,941 SH   SOLE   86,941 0 0
META PLATFORMS INC CL A 30303M102 1,163 3,458 SH   SOLE   3,458 0 0
MICROSOFT CORP COM 594918104 18,624 55,376 SH   SOLE   55,376 0 0
MONDELEZ INTL INC CL A 609207105 814 12,275 SH   SOLE   12,275 0 0
MOODYS CORP COM 615369105 20,051 51,337 SH   SOLE   51,337 0 0
NEXTERA ENERGY INC COM 65339F101 1,617 17,319 SH   SOLE   17,319 0 0
NIKE INC CL B 654106103 5,560 33,357 SH   SOLE   33,357 0 0
NVIDIA CORPORATION COM 67066G104 1,297 4,411 SH   SOLE   4,411 0 0
ORACLE CORP COM 68389X105 4,794 54,968 SH   SOLE   54,968 0 0
ORGANON & CO COMMON STOCK 68622V106 217 7,113 SH   SOLE   7,113 0 0
PAYPAL HLDGS INC COM 70450Y103 697 3,695 SH   SOLE   3,695 0 0
PEPSICO INC COM 713448108 8,252 47,504 SH   SOLE   47,504 0 0
PFIZER INC COM 717081103 1,287 21,802 SH   SOLE   20,596 0 1,206
PHILIP MORRIS INTL INC COM 718172109 1,854 19,518 SH   SOLE   19,518 0 0
PROCTER AND GAMBLE CO COM 742718109 3,573 21,844 SH   SOLE   20,744 0 1,100
PRUDENTIAL FINL INC COM 744320102 549 5,070 SH   SOLE   5,070 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513e101 1,493 17,343 SH   SOLE   17,343 0 0
RPM INTL INC COM 749685103 2,442 24,175 SH   SOLE   21,675 0 2,500
S&P GLOBAL INC COM 78409V104 356 754 SH   SOLE   754 0 0
SOUTHERN CO COM 842587107 951 13,865 SH   SOLE   13,865 0 0
STRYKER CORPORATION COM 863667101 1,557 5,822 SH   SOLE   5,822 0 0
TESLA INC COM 88160R101 887 839 SH   SOLE   839 0 0
TEXAS INSTRS INC COM 882508104 806 4,276 SH   SOLE   4,276 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 394 590 SH   SOLE   590 0 0
UNION PAC CORP COM 907818108 17,780 70,575 SH   SOLE   70,575 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,140 5,320 SH   SOLE   5,320 0 0
UNITEDHEALTH GROUP INC COM 91324P102 206 410 SH   SOLE   410 0 0
US BANCORP DEL COM NEW 902973304 376 6,695 SH   SOLE   6,695 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,709 32,896 SH   SOLE   32,896 0 0
VIACOMCBS INC CL B 92556H206 1,351 44,760 SH   SOLE   44,760 0 0
VISA INC COM CL A 92826C839 643 2,967 SH   SOLE   2,967 0 0
WALMART INC COM 931142103 2,540 17,554 SH   SOLE   17,554 0 0
WASTE MGMT INC DEL COM 94106L109 1,710 10,247 SH   SOLE   10,247 0 0
WELLS FARGO CO NEW COM 949746101 2,847 59,341 SH   SOLE   59,341 0 0
3M CO COM 88579Y101 5,622 31,651 SH   SOLE   30,951 0 700
ASML HOLDING N V N Y REGISTRY SHS N07059210 617 775 SH   SOLE   775 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 3,987 34,204 SH   SOLE   34,204 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 570 2,590 SH   SOLE   2,590 0 0
NOVARTIS AG SPONSORED ADR 66987V109 267 3,055 SH   SOLE   3,055 0 0
UNILEVER PLC SPON ADR NEW 904767704 334 6,202 SH   SOLE   6,202 0 0
AMERICAN TOWER CORP NEW COM 03027X100 466 1,594 SH   SOLE   0 0 1,594
WP CAREY INC COM 92936U109 300 3,655 SH   SOLE   0 0 3,655
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,762 4,251 SH   SOLE   4,251 0 0
CHUBB LIMITED COM H1467J104 204 1,053 SH   SOLE   1,053 0 0
ENBRIDGE INC COM 29250N105 301 7,707 SH   SOLE   7,707 0 0
LINDE PLC SHS G5494J103 326 942 SH   SOLE   942 0 0
MEDTRONIC PLC SHS G5960L103 485 4,688 SH   SOLE   4,688 0 0
SCHLUMBERGER LTD COM STK 806857108 1,861 62,125 SH   SOLE   62,125 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 379 4,875 SH   SOLE   0 0 4,875
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,640 8,020 SH   SOLE   0 0 8,020
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,568 40,145 SH   SOLE   0 0 40,145
INVESCO EXCH TRADED FD TR II KBW BK ETF 46138E628 339 5,000 SH   SOLE   0 0 5,000
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 1,210 3,735 SH   SOLE   0 0 3,735
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 308 1,890 SH   SOLE   0 0 1,890
ISHARES TR CORE S&P TTL STK 464287150 251 2,345 SH   SOLE   0 0 2,345
ISHARES TR RUS 1000 ETF 464287622 275 1,040 SH   SOLE   0 0 1,040
ISHARES TR S&P 100 ETF 464287101 328 1,498 SH   SOLE   0 0 1,498
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,377 21,031 SH   SOLE   0 0 21,031
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 333 2,033 SH   SOLE   0 0 2,033
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 814 10,073 SH   SOLE   0 0 10,073
SPDR SER TR SSGA GNDER ETF 78468R747 440 4,305 SH   SOLE   0 0 4,305
SPDR SER TR PRTFLO S&P500 GW 78464A409 2,516 34,722 SH   SOLE   0 0 34,722
SPDR SER TR S&P BIOTECH 78464A870 462 4,128 SH   SOLE   0 0 4,128
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,315 2,768 SH   SOLE   0 0 2,768
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 363 5,920 SH   SOLE   0 0 5,920
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 441 3,935 SH   SOLE   0 0 3,935
VANGUARD INDEX FDS MID CAP ETF 922908629 818 3,210 SH   SOLE   0 0 3,210
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,289 2,813 SH   SOLE   0 0 2,813
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,244 5,505 SH   SOLE   0 0 5,505
VANGUARD INDEX FDS TOTAL STK MKT 922908769 5,642 23,370 SH   SOLE   0 0 23,370
ISHARES TR INTRM GOV CR ETF 464288612 1,569 13,795 SH   SOLE   0 0 13,795
ISHARES TR ISHS 5-10YR INVT 464288638 1,593 26,880 SH   SOLE   0 0 26,880
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 1,550 30,700 SH   SOLE   0 0 30,700
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,107 13,700 SH   SOLE   0 0 13,700
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,736 33,665 SH   SOLE   0 0 33,665