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
Aflac Inc. COM 001055102 3,580 63,703 SH   SOLE   63,703 0 0
Alphabet Inc. Class C COM 02079K107 6,908 71,846 SH   SOLE   71,846 0 0
Amazon.com Inc. COM 023135106 9,480 83,890 SH   SOLE   83,890 0 0
American Tower Corp. COM 03027X100 13,615 63,413 SH   SOLE   63,413 0 0
Amgen Inc. COM 031162100 8,572 38,032 SH   SOLE   38,032 0 0
Apple Inc. COM 037833100 17,317 125,303 SH   SOLE   125,303 0 0
BP PLC (ADR) COM 055622104 7,375 258,328 SH   SOLE   258,328 0 0
Bank of America Corp. COM 060505104 10,208 338,017 SH   SOLE   338,017 0 0
Black Knight Inc. COM 09215C105 637 9,834 SH   SOLE   9,834 0 0
Boeing Co. COM 097023105 720 5,950 SH   SOLE   5,950 0 0
CVS Health Corp. COM 126650100 11,233 117,781 SH   SOLE   117,781 0 0
Canadian Natural Resources Ltd COM 136385101 289 6,200 SH   SOLE   6,200 0 0
Cheniere Energy Partners LP COM 16411Q101 222 4,166 SH   SOLE   4,166 0 0
Chevron Corp. COM 166764100 12 90 SH   SOLE   90 0 0
Colgate-Palmolive Co. COM 194162103 4,853 69,083 SH   SOLE   69,083 0 0
Cummins Inc. COM 231021106 332 1,632 SH   SOLE   1,632 0 0
Dominion Energy Inc. COM 25746U109 3,802 55,020 SH   SOLE   55,020 0 0
Eli Lilly & Co. COM 532457108 1,761 5,448 SH   SOLE   5,448 0 0
Exxon Mobil Corp. COM 30231G102 6,713 76,884 SH   SOLE   76,884 0 0
Goldman Sachs Group Inc. COM 38141G104 9,354 31,921 SH   SOLE   31,921 0 0
Home Depot Inc. COM 437076102 8,964 32,487 SH   SOLE   32,487 0 0
Honeywell International Inc. COM 438516106 13,039 78,092 SH   SOLE   78,092 0 0
IDEX Corp. COM 45167R104 280 1,400 SH   SOLE   1,400 0 0
Johnson & Johnson COM 478160104 17,526 107,283 SH   SOLE   107,283 0 0
Linde PLC COM G5494J103 17,568 65,164 SH   SOLE   65,164 0 0
Lowe's Companies Inc. COM 548661107 8,052 42,872 SH   SOLE   42,872 0 0
McCormick & Co. Inc. COM 579780206 285 4,000 SH   SOLE   4,000 0 0
Medtronic PLC COM G5960l103 14,026 173,697 SH   SOLE   173,697 0 0
Merck & Co. Inc. COM 58933Y105 247 2,863 SH   SOLE   2,863 0 0
Meta Platforms Inc. (Facebook COM 30303M102 4,020 29,628 SH   SOLE   29,628 0 0
Microsoft Corp. COM 594918104 20,961 90,000 SH   SOLE   90,000 0 0
Nike Inc. COM 654106103 283 3,400 SH   SOLE   3,400 0 0
PepsiCo Inc. COM 713448108 12,013 73,580 SH   SOLE   73,580 0 0
Phillips 66 COM 718546104 9,345 115,775 SH   SOLE   115,775 0 0
Roche Holdings Ltd. (ADR) COM 771195104 2,126 52,332 SH   SOLE   52,332 0 0
TJX Companies Inc. COM 872540109 18,760 301,999 SH   SOLE   301,999 0 0
The Walt Disney Co. COM 254687106 3,966 42,049 SH   SOLE   42,049 0 0
Truist Financial Corp. COM 89832Q109 7,854 180,384 SH   SOLE   180,384 0 0
Union Pacific Corp. COM 907818108 14,055 72,145 SH   SOLE   72,145 0 0
UnitedHealth Group Inc. COM 91324P102 17,291 34,236 SH   SOLE   34,236 0 0
Universal Technical Institute COM 913915104 78 14,250 SH   SOLE   14,250 0 0
Visa Inc. Class A COM 92826C839 13,272 74,711 SH   SOLE   74,711 0 0
W.R. Berkley Corp. COM 084423102 16,771 259,690 SH   SOLE   259,690 0 0
iShares Core S&P Small-Cap ETF ETF 464287804 21,608 247,826 SH   SOLE   247,826 0 0
Janus Henderson Enterprise Fun ETF 47103D405 2,506 20,467 SH   SOLE   20,467 0 0
T. Rowe Price Small-Cap Value ETF 77957Q103 1,243 25,841 SH   SOLE   25,841 0 0
Vanguard Small-Cap Index Fund ETF 922908686 693 8,463 SH   SOLE   8,463 0 0
Fidelity Contrafund ETF 316071109 507 39,653 SH   SOLE   39,653 0 0
Health Care Select Sector SPDR ETF 81369Y209 358 2,959 SH   SOLE   2,959 0 0
Invesco Comstock Fund R6 ETF 00143M331 1,108 43,197 SH   SOLE   43,197 0 0
Invesco V.I. Comstock Fund VIT ETF 00888X773 548 18,022 SH   SOLE   18,022 0 0
JPMorgan Equity Income Fund I ETF 4812C0498 950 46,489 SH   SOLE   46,489 0 0
JPMorgan Equity Income Fund R6 ETF 46636U876 4,392 214,991 SH   SOLE   214,991 0 0
Principal Large-Cap Growth Fun ETF 74253J784 11,702 825,218 SH   SOLE   825,218 0 0
SPDR Portfolio S&P 500 Growth ETF 78464A409 291 5,800 SH   SOLE   5,800 0 0
SPDR Portfolio S&P 500 Value E ETF 78464A508 396 11,480 SH   SOLE   11,480 0 0
SPDR S&P 500 ETF ETF 78462F103 3,604 10,092 SH   SOLE   10,092 0 0
T. Rowe Price Blue Chip Growth ETF 77954T878 378 9,362 SH   SOLE   9,362 0 0
Vanguard 500 Index Fund Adm ETF 922908710 476 1,439 SH   SOLE   1,439 0 0
Vanguard S&P 500 ETF ETF 922908363 268 817 SH   SOLE   817 0 0
iShares S&P 500 Growth ETF ETF 464287309 952 16,460 SH   SOLE   16,460 0 0
iShares S&P 500 Index Fund ETF 066922204 1,524 3,626 SH   SOLE   3,626 0 0
iShares S&P 500 Index Investor ETF 066923566 1,054 2,509 SH   SOLE   2,509 0 0
American Funds Europacific Gro ETF 298706409 251 5,770 SH   SOLE   5,770 0 0
Invesco Developing Markets Fun ETF 683974505 1,119 35,315 SH   SOLE   35,315 0 0
T. Rowe Price Overseas Stock F ETF 77956H435 4,342 451,350 SH   SOLE   451,350 0 0
Vanguard Total Intl Stock Inde ETF 921909818 517 21,036 SH   SOLE   21,036 0 0
Lord Abbett Inflation Focused ETF 54400U304 143 12,449 SH   SOLE   12,449 0 0
Invesco Senior Loan ETF ETF 46138G508 2,611 129,315 SH   SOLE   129,315 0 0
Eaton Vance Short Dur Govt Inc ETF 277911160 88 11,482 SH   SOLE   11,482 0 0
Eaton Vance Income Fund of Bos ETF 277907200 155 32,648 SH   SOLE   32,648 0 0
FPA New Income Fund ETF 302544101 154 16,199 SH   SOLE   16,199 0 0
Vanguard Short-Term Corporate ETF 92206C409 445 5,995 SH   SOLE   5,995 0 0
Vanguard Short-Term Corporate ETF 921925863 289 26,481 SH   SOLE   26,481 0 0
Vanguard Short-Term Corporate ETF 921925863 248 22,556 SH   SOLE   22,556 0 0
Vanguard Short-Term Inv Grade ETF 922031836 4,207 427,586 SH   SOLE   427,586 0 0
Vanguard Short-Term Inv Grade ETF 922031406 184 18,726 SH   SOLE   18,726 0 0
Vanguard Ultra-Short Bond ETF ETF 92203C303 24 500 SH   SOLE   500 0 0
SPDR Gold Trust ETF 78463V107 8,988 58,111 SH   SOLE   58,111 0 0
iShares Gold Trust ETF 464285204 6,500 206,165 SH   SOLE   206,165 0 0