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
3M Company COM 88579Y101 962 5,418 SH   SOLE   5,418 0 0
Abbott Laboratories COM 002824100 3,545 25,187 SH   SOLE   25,187 0 0
Abbvie Inc COM 00287Y109 5,187 38,308 SH   SOLE   38,308 0 0
Air Products & Chemicals COM 009158106 825 2,710 SH   SOLE   2,710 0 0
Allstate Corp 4.75 Pfd PFD 020002812 248 9,305 SH   SOLE   9,305 0 0
Alphabet Inc-CL A COM 02079K305 7,813 2,697 SH   SOLE   2,697 0 0
Alphabet Inc-CL C COM 02079K107 2,457 849 SH   SOLE   849 0 0
Amazon.com Inc COM 023135106 3,521 1,056 SH   SOLE   1,056 0 0
American Express Co COM 025816109 4,232 25,866 SH   SOLE   25,866 0 0
Amgen Inc COM 031162100 742 3,297 SH   SOLE   3,297 0 0
Apple Inc COM 037833100 8,368 47,124 SH   SOLE   47,124 0 0
Arch Cap Grp Ltd. 4.55 Pfd PFD 03939A404 251 9,700 SH   SOLE   9,700 0 0
Avalonbay Communities COM 053484101 316 1,251 SH   SOLE   1,251 0 0
Avery Dennison Corp COM 053611109 543 2,506 SH   SOLE   2,506 0 0
Bank of America Corp COM 060505104 1,157 26,017 SH   SOLE   26,017 0 0
Bank of America Corp 5 Pfd PFD 06055H202 259 9,766 SH   SOLE   9,766 0 0
Berkshire Hathaway Cl B COM 084670702 20,226 67,645 SH   SOLE   67,645 0 0
BlackRock Inc COM 09247X101 447 488 SH   SOLE   488 0 0
Bloom Energy Corp COM 093712107 413 18,850 SH   SOLE   18,850 0 0
Boeing Co COM 097023105 1,670 8,296 SH   SOLE   8,296 0 0
Booking Holdings Inc. COM 09857L108 1,432 597 SH   SOLE   597 0 0
Bristol-Myers Squibb Co COM 110122108 3,494 56,040 SH   SOLE   56,040 0 0
Broadcom Inc COM 11135F101 5,303 7,969 SH   SOLE   7,969 0 0
Brunswick Corp 6.5 Pfd PFD 117043406 251 9,338 SH   SOLE   9,338 0 0
Carrier Global COM 14448C104 946 17,450 SH   SOLE   17,450 0 0
Caterpillar Inc COM 149123101 2,242 10,844 SH   SOLE   10,844 0 0
Chevron Corp COM 166764100 2,630 22,412 SH   SOLE   22,412 0 0
Chipotle Mexican Grill Inc COM 169656105 483 276 SH   SOLE   276 0 0
Cigna Corp COM 125523100 1,023 4,453 SH   SOLE   4,453 0 0
Cisco Systems Inc COM 17275R102 2,292 36,169 SH   SOLE   36,169 0 0
Coca-Cola Co COM 191216100 1,816 30,663 SH   SOLE   30,663 0 0
ConocoPhillips COM 20825C104 298 4,127 SH   SOLE   4,127 0 0
CrowdStrike Holdings Inc COM 22788C105 1,402 6,845 SH   SOLE   6,845 0 0
CSX Corp COM 126408103 1,286 34,204 SH   SOLE   34,204 0 0
Cummins Inc COM 231021106 451 2,068 SH   SOLE   2,068 0 0
Danaher Corp COM 235851102 1,277 3,881 SH   SOLE   3,881 0 0
Disney (Walt) Co/The COM 254687106 560 3,614 SH   SOLE   3,614 0 0
Eaton Corp PLC COM G29183103 3,765 21,783 SH   SOLE   21,783 0 0
Ebay Inc COM 278642103 1,050 15,787 SH   SOLE   15,787 0 0
Emerson Electric Co COM 291011104 1,199 12,899 SH   SOLE   12,899 0 0
Enbridge Inc COM 29250N105 658 16,850 SH   SOLE   16,850 0 0
EOG Resources Inc COM 26875P101 611 6,883 SH   SOLE   6,883 0 0
Expedia Group Inc COM 30212P303 316 1,747 SH   SOLE   1,747 0 0
Exxon Mobil Corp COM 30231G102 3,743 61,165 SH   SOLE   61,165 0 0
Fallen Angel High Yield ETF COM 92189F437 363 11,005 SH   SOLE   11,005 0 0
Fastenal Co COM 311900104 355 5,547 SH   SOLE   5,547 0 0
First Republic Bank 4.25 Pfd PFD 33616C746 250 9,765 SH   SOLE   9,765 0 0
General Motors Co COM 37045V100 1,583 27,000 SH   SOLE   27,000 0 0
Goldman Sachs Group Inc COM 38141G104 1,324 3,460 SH   SOLE   3,460 0 0
Home Depot Inc COM 437076102 2,254 5,430 SH   SOLE   5,430 0 0
Honeywell International COM 438516106 5,362 25,716 SH   SOLE   25,716 0 0
HP Inc COM 40434L105 380 10,098 SH   SOLE   10,098 0 0
IBM Corp COM 459200101 321 2,399 SH   SOLE   2,399 0 0
Illinois Tool Works COM 452308109 370 1,498 SH   SOLE   1,498 0 0
Illumina Inc COM 452327109 1,010 2,655 SH   SOLE   2,655 0 0
Intel Corp COM 458140100 1,598 31,020 SH   SOLE   31,020 0 0
iShares 0-5yr TIPS Bond ETF COM 46429B747 627 5,918 SH   SOLE   5,918 0 0
iShares 1-3 Year Treasury Bond ETF COM 464287457 428 5,000 SH   SOLE   5,000 0 0
IShares 1-5 Year Investment Grade Corp COM 464288646 960 17,816 SH   SOLE   17,816 0 0
IShares 5-10 Year Investment Grade Corp COM 464288638 3,680 62,094 SH   SOLE   62,094 0 0
iShares 7-10 Year Treasury Bond ETF COM 464287440 2,031 17,665 SH   SOLE   17,665 0 0
iShares Barclays Agg Bond COM 464287226 11,315 99,185 SH   SOLE   99,185 0 0
IShares Broad USD HY Corp Bond ETF COM 46435U853 1,158 28,104 SH   SOLE   28,104 0 0
iShares Core MSCI Emerging ETF COM 46434G103 255 4,252 SH   SOLE   4,252 0 0
iShares Core S&P 500 ETF COM 464287200 1,042 2,184 SH   SOLE   2,184 0 0
iShares MBS Bond ETF COM 464288588 3,137 29,200 SH   SOLE   29,200 0 0
iShares MSCI EAFE Index Fd COM 464287465 1,958 24,880 SH   SOLE   24,880 0 0
iShares MSCI Emrg Mkt Indx COM 464287234 1,625 33,275 SH   SOLE   33,275 0 0
iShares Preferred & Income Sec ETF COM 464288687 3,689 93,560 SH   SOLE   93,560 0 0
iShares S&P Global 100 Fd COM 464287572 3,045 39,030 SH   SOLE   39,030 0 0
iShares S&P Midcap 400 COM 464287507 1,231 4,348 SH   SOLE   4,348 0 0
iShares S&P SmallCap 600 COM 464287804 2,888 25,224 SH   SOLE   25,224 0 0
J P Morgan Chase COM 46625H100 6,722 42,449 SH   SOLE   42,449 0 0
Johnson & Johnson COM 478160104 3,508 20,508 SH   SOLE   20,508 0 0
JPMorgan Chase & Co 4.75 Pfd PFD 48128B622 256 9,695 SH   SOLE   9,695 0 0
Keysight Technologies Inc W/I COM 49338L103 525 2,544 SH   SOLE   2,544 0 0
Lilly (Eli) & Co COM 532457108 2,828 10,240 SH   SOLE   10,240 0 0
Linde PLC COM G5494J103 2,640 7,621 SH   SOLE   7,621 0 0
Lowe's Companies Inc COM 548661107 1,572 6,080 SH   SOLE   6,080 0 0
Marsh & McLennan Cos Inc COM 571748102 1,059 6,091 SH   SOLE   6,091 0 0
Mastercard Inc COM 57636Q104 1,300 3,618 SH   SOLE   3,618 0 0
Medtronic PLC COM G5960L103 503 4,861 SH   SOLE   4,861 0 0
Merck & Company COM 58933Y105 7,039 91,850 SH   SOLE   91,850 0 0
Meta Platforms Inc. COM 30303M102 1,531 4,552 SH   SOLE   4,552 0 0
Metlife Inc 4.75 Pfd PFD 59156R850 258 9,640 SH   SOLE   9,640 0 0
Microsoft Corp COM 594918104 16,522 49,126 SH   SOLE   49,126 0 0
Mimedx Group Inc COM 602496101 769 127,388 SH   SOLE   127,388 0 0
Mondelez International Inc COM 609207105 1,343 20,251 SH   SOLE   20,251 0 0
Morgan Stanley COM 617446448 318 3,239 SH   SOLE   3,239 0 0
National Rural Util Corp 5.5 Pfd PFD 637432105 259 9,487 SH   SOLE   9,487 0 0
Nextera Energy Capital 5.65 Pfd PFD 65339K860 249 8,948 SH   SOLE   8,948 0 0
Nextera Energy Inc COM 65339F101 1,694 18,148 SH   SOLE   18,148 0 0
NVIDIA Corp COM 67066G104 882 3,000 SH   SOLE   3,000 0 0
O'Reilly Automotive Inc COM 67103H107 1,444 2,044 SH   SOLE   2,044 0 0
Organon & Company COM 68622V106 248 8,156 SH   SOLE   8,156 0 0
Otis Worldwide Corp COM 68902V107 337 3,874 SH   SOLE   3,874 0 0
Parker Hannifin Corp COM 701094104 779 2,450 SH   SOLE   2,450 0 0
Paycom Software Inc COM 70432V102 1,180 2,841 SH   SOLE   2,841 0 0
PayPal Holdings Inc COM 70450Y103 1,721 9,125 SH   SOLE   9,125 0 0
PepsiCo Inc COM 713448108 3,327 19,150 SH   SOLE   19,150 0 0
Pfizer Inc COM 717081103 3,594 60,871 SH   SOLE   60,871 0 0
Phillips 66 COM 718546104 900 12,418 SH   SOLE   12,418 0 0
Plug Power Inc COM 72919P202 987 34,948 SH   SOLE   34,948 0 0
PPG Industries Inc COM 693506107 201 1,163 SH   SOLE   1,163 0 0
Procter & Gamble Co COM 742718109 3,104 18,978 SH   SOLE   18,978 0 0
Public Storage 4.625 Pfd PFD 74460W552 255 9,500 SH   SOLE   9,500 0 0
Qualcomm Inc COM 747525103 3,305 18,072 SH   SOLE   18,072 0 0
Raytheon Technologies Corp COM 75513E101 1,214 14,108 SH   SOLE   14,108 0 0
Regeneron Pharmaceuticals COM 75886F107 601 952 SH   SOLE   952 0 0
Roper Industries COM 776696106 572 1,162 SH   SOLE   1,162 0 0
Royal Dutch Shell-A ADR COM 780259206 372 8,575 SH   SOLE   8,575 0 0
Salesforce.Com Inc COM 79466L302 280 1,102 SH   SOLE   1,102 0 0
Schwab US Dividend Equity ETF COM 808524797 1,420 17,571 SH   SOLE   17,571 0 0
Scotts Miracle-Gro Co Cl-A COM 810186106 1,205 7,484 SH   SOLE   7,484 0 0
Southern Co 4.20 Pfd PFD 842587883 263 10,100 SH   SOLE   10,100 0 0
SPDR Barclays ST HY Bond COM 78468R408 1,648 60,690 SH   SOLE   60,690 0 0
SPDR Blackstone Senior Loan ETF COM 78467V608 3,438 75,347 SH   SOLE   75,347 0 0
SPDR Bloomberg Barclays Inv Grade FR ETF COM 78468R200 371 12,129 SH   SOLE   12,129 0 0
SPDR Interm TSY ETF COM 78464A672 1,700 53,053 SH   SOLE   53,053 0 0
SPDR Port Long Term Treasury ETF COM 78464A664 341 8,095 SH   SOLE   8,095 0 0
SPDR S & P 500 ETF Trust COM 78462F103 22,352 47,061 SH   SOLE   47,061 0 0
SPDR S & P Midcap 400 ETF COM 78467Y107 7,211 13,930 SH   SOLE   13,930 0 0
Splunk Inc COM 848637104 223 1,925 SH   SOLE   1,925 0 0
Synchrony Financial COM 87165B103 699 15,068 SH   SOLE   15,068 0 0
Sysco Corp COM 871829107 238 3,035 SH   SOLE   3,035 0 0
Target Corp COM 87612E106 3,052 13,188 SH   SOLE   13,188 0 0
Texas Instruments Inc COM 882508104 308 1,633 SH   SOLE   1,633 0 0
Thermo Fisher Corp COM 883556102 2,882 4,320 SH   SOLE   4,320 0 0
Trane Technologies PLC COM G8994E103 1,187 5,874 SH   SOLE   5,874 0 0
Travelers Companies Inc COM 89417E109 557 3,563 SH   SOLE   3,563 0 0
Truist Financial Corp COM 89832Q109 202 3,454 SH   SOLE   3,454 0 0
Truist Financial Corp 4.75 Pfd PFD 89832Q695 259 9,725 SH   SOLE   9,725 0 0
United Parcel Services B COM 911312106 1,122 5,233 SH   SOLE   5,233 0 0
US Bancorp COM 902973304 843 15,000 SH   SOLE   15,000 0 0
US Bank 4.00 Pfd PFD 902973718 2,530 100,365 SH   SOLE   100,365 0 0
Vanguard Growth ETF COM 922908736 670 2,089 SH   SOLE   2,089 0 0
Vanguard Long-Term Corp Bond ETF COM 92206C813 1,239 11,702 SH   SOLE   11,702 0 0
Vanguard S&P 500 ETF COM 922908363 3,535 8,097 SH   SOLE   8,097 0 0
Verizon Communications Inc COM 92343V104 343 6,607 SH   SOLE   6,607 0 0
Visa Inc Cl-A Shares COM 92826C839 2,918 13,464 SH   SOLE   13,464 0 0
Wal Mart Inc. COM 931142103 388 2,681 SH   SOLE   2,681 0 0
Walgreens Boots Alliance COM 931427108 1,167 22,371 SH   SOLE   22,371 0 0
Whirlpool Corp COM 963320106 540 2,300 SH   SOLE   2,300 0 0
Zebra Technologies Corp Cl COM 989207105 2,276 3,824 SH   SOLE   3,824 0 0
Zimmer Holdings Inc COM 98956P102 845 6,650 SH   SOLE   6,650 0 0