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 826 5,551 SH   SOLE   5,551 0 0
Abbott Laboratories COM 002824100 2,993 25,287 SH   SOLE   25,287 0 0
Abbvie Inc COM 00287Y109 5,818 35,889 SH   SOLE   35,889 0 0
Agribank FCB VRN PERP Pfd PFD 00850L203 248 2,350 SH   SOLE   2,350 0 0
Air Products & Chemicals COM 009158106 678 2,714 SH   SOLE   2,714 0 0
Allstate Corp 4.75 Pfd PFD 020002812 229 9,305 SH   SOLE   9,305 0 0
Alphabet Inc-CL A COM 02079K305 7,827 2,814 SH   SOLE   2,814 0 0
Alphabet Inc-CL C COM 02079K107 2,388 855 SH   SOLE   855 0 0
Amazon.com Inc COM 023135106 3,798 1,165 SH   SOLE   1,165 0 0
American Express Co COM 025816109 4,913 26,274 SH   SOLE   26,274 0 0
Amgen Inc COM 031162100 799 3,304 SH   SOLE   3,304 0 0
Apple Inc COM 037833100 8,339 47,760 SH   SOLE   47,760 0 0
Arch Cap Grp Ltd. 4.55 Pfd PFD 03939A404 205 9,700 SH   SOLE   9,700 0 0
Avalonbay Communities COM 053484101 313 1,259 SH   SOLE   1,259 0 0
Avery Dennison Corp COM 053611109 427 2,456 SH   SOLE   2,456 0 0
Bank of America Corp COM 060505104 1,074 26,063 SH   SOLE   26,063 0 0
Bank of America Corp 5 Pfd PFD 06055H202 237 9,766 SH   SOLE   9,766 0 0
BlackRock Inc COM 09247X101 375 491 SH   SOLE   491 0 0
Bloom Energy Corp COM 093712107 686 28,400 SH   SOLE   28,400 0 0
Boeing Co COM 097023105 1,589 8,296 SH   SOLE   8,296 0 0
Booking Holdings Inc. COM 09857L108 1,458 621 SH   SOLE   621 0 0
Bristol-Myers Squibb Co COM 110122108 4,118 56,390 SH   SOLE   56,390 0 0
Broadcom Inc COM 11135F101 5,105 8,107 SH   SOLE   8,107 0 0
Brunswick Corp 6.5 Pfd PFD 117043406 244 9,338 SH   SOLE   9,338 0 0
Carrier Global COM 14448C104 812 17,713 SH   SOLE   17,713 0 0
Caterpillar Inc COM 149123101 2,418 10,853 SH   SOLE   10,853 0 0
Charles Schwab 4.45 Pfd PFD 808513865 765 33,400 SH   SOLE   33,400 0 0
Chevron Corp COM 166764100 3,572 21,935 SH   SOLE   21,935 0 0
Chipotle Mexican Grill Inc COM 169656105 348 220 SH   SOLE   220 0 0
Cigna Corp COM 125523100 1,067 4,453 SH   SOLE   4,453 0 0
Cisco Systems Inc COM 17275R102 1,501 26,923 SH   SOLE   26,923 0 0
Coca-Cola Co COM 191216100 1,901 30,663 SH   SOLE   30,663 0 0
ConocoPhillips COM 20825C104 422 4,215 SH   SOLE   4,215 0 0
CrowdStrike Holdings Inc COM 22788C105 1,588 6,995 SH   SOLE   6,995 0 0
CSX Corp COM 126408103 1,297 34,642 SH   SOLE   34,642 0 0
Cummins Inc COM 231021106 453 2,209 SH   SOLE   2,209 0 0
Danaher Corp COM 235851102 1,141 3,890 SH   SOLE   3,890 0 0
Disney (Walt) Co/The COM 254687106 1,237 9,020 SH   SOLE   9,020 0 0
Eaton Corp PLC COM G29183103 3,304 21,774 SH   SOLE   21,774 0 0
Emerson Electric Co COM 291011104 1,286 13,112 SH   SOLE   13,112 0 0
Enbridge Inc COM 29250N105 297 6,450 SH   SOLE   6,450 0 0
EOG Resources Inc COM 26875P101 821 6,883 SH   SOLE   6,883 0 0
Expedia Group Inc COM 30212P303 352 1,797 SH   SOLE   1,797 0 0
Exxon Mobil Corp COM 30231G102 3,713 44,955 SH   SOLE   44,955 0 0
Fallen Angel High Yield ETF COM 92189F437 264 8,695 SH   SOLE   8,695 0 0
Fastenal Co COM 311900104 329 5,547 SH   SOLE   5,547 0 0
First Republic Bank 4.25 Pfd PFD 33616C746 203 9,765 SH   SOLE   9,765 0 0
General Electric Co. COM 369604301 388 4,237 SH   SOLE   4,237 0 0
General Motors Co COM 37045V100 1,181 27,000 SH   SOLE   27,000 0 0
Goldman Sachs Group Inc COM 38141G104 1,061 3,215 SH   SOLE   3,215 0 0
Hartford Finl Svcs Grp 6 Pfd PFD 416518603 261 9,704 SH   SOLE   9,704 0 0
Home Depot Inc COM 437076102 1,627 5,437 SH   SOLE   5,437 0 0
Honeywell International COM 438516106 5,038 25,894 SH   SOLE   25,894 0 0
HP Inc COM 40434L105 367 10,098 SH   SOLE   10,098 0 0
Huntington Bank 4.50 Pfd PFD 446150823 533 25,500 SH   SOLE   25,500 0 0
IBM Corp COM 459200101 835 6,421 SH   SOLE   6,421 0 0
Illinois Tool Works COM 452308109 302 1,443 SH   SOLE   1,443 0 0
Illumina Inc COM 452327109 601 1,721 SH   SOLE   1,721 0 0
Intel Corp COM 458140100 1,533 30,924 SH   SOLE   30,924 0 0
iShares 1-3 Year Treasury Bond ETF COM 464287457 417 5,000 SH   SOLE   5,000 0 0
IShares 1-5 Year Investment Grade Corp COM 464288646 758 14,653 SH   SOLE   14,653 0 0
IShares 5-10 Year Investment Grade Corp COM 464288638 2,725 49,664 SH   SOLE   49,664 0 0
iShares 7-10 Year Treasury Bond ETF COM 464287440 1,500 13,961 SH   SOLE   13,961 0 0
iShares Barclays Agg Bond COM 464287226 23,685 221,148 SH   SOLE   221,148 0 0
IShares Broad USD HY Corp Bond ETF COM 46435U853 730 18,789 SH   SOLE   18,789 0 0
iShares Core MSCI Emerging ETF COM 46434G103 236 4,252 SH   SOLE   4,252 0 0
iShares Core S&P 500 ETF COM 464287200 991 2,184 SH   SOLE   2,184 0 0
iShares MBS Bond ETF COM 464288588 2,357 23,140 SH   SOLE   23,140 0 0
iShares MSCI EAFE Index Fd COM 464287465 1,890 25,680 SH   SOLE   25,680 0 0
iShares MSCI Emrg Mkt Indx COM 464287234 1,534 33,975 SH   SOLE   33,975 0 0
iShares Preferred & Income Sec ETF COM 464288687 308 8,461 SH   SOLE   8,461 0 0
iShares S&P Global 100 Fd COM 464287572 3,098 40,730 SH   SOLE   40,730 0 0
iShares S&P Midcap 400 COM 464287507 1,167 4,348 SH   SOLE   4,348 0 0
iShares S&P SmallCap 600 COM 464287804 2,721 25,224 SH   SOLE   25,224 0 0
J P Morgan Chase COM 46625H100 5,869 43,054 SH   SOLE   43,054 0 0
Janus AAA CLO COM 47103U845 271 5,400 SH   SOLE   5,400 0 0
Johnson & Johnson COM 478160104 3,784 21,350 SH   SOLE   21,350 0 0
JPMorgan Chase & Co 4.75 Pfd PFD 48128B622 223 9,695 SH   SOLE   9,695 0 0
Keysight Technologies Inc W/I COM 49338L103 402 2,544 SH   SOLE   2,544 0 0
Kimco Realty Corp 5.25 Pfd PFD 49446R711 269 10,791 SH   SOLE   10,791 0 0
Lilly (Eli) & Co COM 532457108 2,957 10,325 SH   SOLE   10,325 0 0
Linde PLC COM G5494J103 2,462 7,708 SH   SOLE   7,708 0 0
Lowe's Companies Inc COM 548661107 1,229 6,080 SH   SOLE   6,080 0 0
Marsh & McLennan Cos Inc COM 571748102 1,064 6,241 SH   SOLE   6,241 0 0
Mastercard Inc COM 57636Q104 1,345 3,763 SH   SOLE   3,763 0 0
Medtronic PLC COM G5960L103 552 4,978 SH   SOLE   4,978 0 0
Merck & Company COM 58933Y105 1,419 17,300 SH   SOLE   17,300 0 0
Meta Platforms Inc. COM 30303M102 738 3,317 SH   SOLE   3,317 0 0
Metlife Inc 4.75 Pfd PFD 59156R850 229 9,640 SH   SOLE   9,640 0 0
Microsoft Corp COM 594918104 15,289 49,590 SH   SOLE   49,590 0 0
Mid-Amer Apt Cmntys Inc 8.5 Pfd PFD 59522J889 240 4,000 SH   SOLE   4,000 0 0
Mimedx Group Inc COM 602496101 616 130,688 SH   SOLE   130,688 0 0
Mondelez International Inc COM 609207105 824 13,118 SH   SOLE   13,118 0 0
National Rural Util Corp 5.5 Pfd PFD 637432105 245 9,487 SH   SOLE   9,487 0 0
Nextera Energy Capital 5.65 Pfd PFD 65339K860 232 8,948 SH   SOLE   8,948 0 0
Nextera Energy Inc COM 65339F101 1,546 18,248 SH   SOLE   18,248 0 0
Northern Trust Corp 4.7 Pfd PFD 665859856 251 10,134 SH   SOLE   10,134 0 0
NVIDIA Corp COM 67066G104 819 3,000 SH   SOLE   3,000 0 0
O'Reilly Automotive Inc COM 67103H107 1,421 2,074 SH   SOLE   2,074 0 0
Organon & Company COM 68622V106 273 7,822 SH   SOLE   7,822 0 0
Otis Worldwide Corp COM 68902V107 319 4,145 SH   SOLE   4,145 0 0
Parker Hannifin Corp COM 701094104 719 2,535 SH   SOLE   2,535 0 0
Paycom Software Inc COM 70432V102 1,088 3,141 SH   SOLE   3,141 0 0
PayPal Holdings Inc COM 70450Y103 1,059 9,160 SH   SOLE   9,160 0 0
PepsiCo Inc COM 713448108 3,232 19,312 SH   SOLE   19,312 0 0
Pfizer Inc COM 717081103 3,153 60,898 SH   SOLE   60,898 0 0
Phillips 66 COM 718546104 1,112 12,868 SH   SOLE   12,868 0 0
Pinterest Inc. COM 72352L106 430 17,474 SH   SOLE   17,474 0 0
Plug Power Inc COM 72919P202 1,157 40,448 SH   SOLE   40,448 0 0
Procter & Gamble Co COM 742718109 2,912 19,058 SH   SOLE   19,058 0 0
Public Storage 4.625 Pfd PFD 74460W552 222 9,500 SH   SOLE   9,500 0 0
Qualcomm Inc COM 747525103 2,817 18,434 SH   SOLE   18,434 0 0
Raytheon Technologies Corp COM 75513E101 1,443 14,564 SH   SOLE   14,564 0 0
Regeneron Pharmaceuticals COM 75886F107 679 972 SH   SOLE   972 0 0
Roper Industries COM 776696106 587 1,242 SH   SOLE   1,242 0 0
Salesforce Inc. COM 79466L302 471 2,220 SH   SOLE   2,220 0 0
Schwab US Dividend Equity ETF COM 808524797 1,386 17,571 SH   SOLE   17,571 0 0
Scotts Miracle-Gro Co Cl-A COM 810186106 913 7,424 SH   SOLE   7,424 0 0
Shell PLC - ADR COM 780259305 473 8,613 SH   SOLE   8,613 0 0
Southern Co 4.20 Pfd PFD 842587883 226 10,100 SH   SOLE   10,100 0 0
SPDR Barclays ST HY Bond COM 78468R408 1,276 48,612 SH   SOLE   48,612 0 0
SPDR BBG Barclays High Yld Bond COM 78468R622 4,099 39,991 SH   SOLE   39,991 0 0
SPDR Blackstone Senior Loan ETF COM 78467V608 3,213 71,453 SH   SOLE   71,453 0 0
SPDR Bloomberg Barclays Inv Grade FR ETF COM 78468R200 293 9,594 SH   SOLE   9,594 0 0
SPDR Interm TSY ETF COM 78464A672 1,280 42,251 SH   SOLE   42,251 0 0
SPDR Port Long Term Treasury ETF COM 78464A664 492 13,010 SH   SOLE   13,010 0 0
SPDR S & P 500 ETF Trust COM 78462F103 21,255 47,061 SH   SOLE   47,061 0 0
SPDR S & P Midcap 400 ETF COM 78467Y107 6,832 13,930 SH   SOLE   13,930 0 0
Synchrony Financial COM 87165B103 525 15,068 SH   SOLE   15,068 0 0
Sysco Corp COM 871829107 248 3,035 SH   SOLE   3,035 0 0
Target Corp COM 87612E106 2,775 13,075 SH   SOLE   13,075 0 0
Texas Instruments Inc COM 882508104 300 1,633 SH   SOLE   1,633 0 0
Thermo Fisher Corp COM 883556102 2,552 4,320 SH   SOLE   4,320 0 0
Trane Technologies PLC COM G8994E103 895 5,864 SH   SOLE   5,864 0 0
Travelers Companies Inc COM 89417E109 651 3,563 SH   SOLE   3,563 0 0
Truist Financial Corp 4.75 Pfd PFD 89832Q695 223 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 797 15,000 SH   SOLE   15,000 0 0
US Bank 4.00 Pfd PFD 902973718 2,069 100,365 SH   SOLE   100,365 0 0
Vanguard Growth ETF COM 922908736 601 2,089 SH   SOLE   2,089 0 0
Vanguard Long-Term Corp Bond ETF COM 92206C813 870 9,287 SH   SOLE   9,287 0 0
Vanguard S&P 500 ETF COM 922908363 3,362 8,097 SH   SOLE   8,097 0 0
Vanguard Short-Term Treasury COM 92206C102 346 5,831 SH   SOLE   5,831 0 0
Verizon Communications Inc COM 92343V104 337 6,625 SH   SOLE   6,625 0 0
Visa Inc Cl-A Shares COM 92826C839 3,038 13,701 SH   SOLE   13,701 0 0
Wal Mart Inc. COM 931142103 260 1,747 SH   SOLE   1,747 0 0
Walgreens Boots Alliance COM 931427108 996 22,246 SH   SOLE   22,246 0 0
Whirlpool Corp COM 963320106 397 2,300 SH   SOLE   2,300 0 0
Zebra Technologies Corp Cl COM 989207105 1,642 3,969 SH   SOLE   3,969 0 0