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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Aflac Inc. COM 001055102   4,082 63,261 SH   SOLE   63,261 0 0
Alphabet Inc. Class C COM 02079K107   7,447 71,606 SH   SOLE   71,606 0 0
Amazon.com Inc. COM 023135106   8,378 81,110 SH   SOLE   81,110 0 0
American Tower Corp. COM 03027X100   13,013 63,682 SH   SOLE   63,682 0 0
Amgen Inc. COM 031162100   9,322 38,562 SH   SOLE   38,562 0 0
Apple Inc. COM 037833100   20,422 123,846 SH   SOLE   123,846 0 0
BP PLC (ADR) COM 055622104   9,866 260,048 SH   SOLE   260,048 0 0
Bank of America Corp. COM 060505104   11,609 405,913 SH   SOLE   405,913 0 0
Black Knight Inc. COM 09215C105   527 9,154 SH   SOLE   9,154 0 0
Boeing Co. COM 097023105   1,243 5,850 SH   SOLE   5,850 0 0
CVS Health Corp. COM 126650100   8,857 119,188 SH   SOLE   119,188 0 0
Canadian Natural Resources Ltd COM 136385101   343 6,200 SH   SOLE   6,200 0 0
Colgate-Palmolive Co. COM 194162103   5,258 69,963 SH   SOLE   69,963 0 0
Cummins Inc. COM 231021106   334 1,400 SH   SOLE   1,400 0 0
Dominion Energy Inc. COM 25746U109   3,167 56,642 SH   SOLE   56,642 0 0
Eli Lilly & Co. COM 532457108   1,768 5,148 SH   SOLE   5,148 0 0
Exxon Mobil Corp. COM 30231G102   8,656 78,932 SH   SOLE   78,932 0 0
FS Energy and Power Fund COM 30264D109   56 14,495 SH   SOLE   14,495 0 0
Goldman Sachs Group Inc. COM 38141G104   10,638 32,520 SH   SOLE   32,520 0 0
Griffin Realty Trust Cl E COM 39818P880   78 10,478 SH   SOLE   10,478 0 0
Home Depot Inc. COM 437076102   9,537 32,317 SH   SOLE   32,317 0 0
Honeywell International Inc. COM 438516106   14,843 77,665 SH   SOLE   77,665 0 0
IDEX Corp. COM 45167R104   323 1,400 SH   SOLE   1,400 0 0
JPMorgan Chase & Co. COM 46625H100   493 3,784 SH   SOLE   3,784 0 0
Johnson & Johnson COM 478160104   16,870 108,839 SH   SOLE   108,839 0 0
Linde PLC COM G54950103   23,330 65,637 SH   SOLE   65,637 0 0
Lowe's Companies Inc. COM 548661107   8,669 43,350 SH   SOLE   43,350 0 0
McCormick & Co. Inc. COM 579780206   333 4,000 SH   SOLE   4,000 0 0
Medtronic PLC COM G5960l103   14,089 174,753 SH   SOLE   174,753 0 0
Merck & Co. Inc. COM 58933Y105   284 2,666 SH   SOLE   2,666 0 0
Meta Platforms Inc. COM 30303M102   6,159 29,058 SH   SOLE   29,058 0 0
Microsoft Corp. COM 594918104   26,073 90,436 SH   SOLE   90,436 0 0
Nike Inc. COM 654106103   417 3,400 SH   SOLE   3,400 0 0
Nvidia Corp. COM 67066G104   509 1,832 SH   SOLE   1,832 0 0
Palo Alto Networks Inc. COM 697435105   6,126 30,671 SH   SOLE   30,671 0 0
PepsiCo Inc. COM 713448108   13,952 76,533 SH   SOLE   76,533 0 0
Phillips 66 COM 718546104   12,044 118,805 SH   SOLE   118,805 0 0
Roche Holdings Ltd. (ADR) COM 771195104   1,834 51,142 SH   SOLE   51,142 0 0
TJX Companies Inc. COM 872540109   24,106 307,629 SH   SOLE   307,629 0 0
The Walt Disney Co. COM 254687106   4,313 43,072 SH   SOLE   43,072 0 0
Union Pacific Corp. COM 907818108   14,705 73,064 SH   SOLE   73,064 0 0
UnitedHealth Group Inc. COM 91324P102   16,383 34,666 SH   SOLE   34,666 0 0
Universal Technical Institute COM 913915104   105 14,250 SH   SOLE   14,250 0 0
Visa Inc. Class A COM 92826C839   16,960 75,225 SH   SOLE   75,225 0 0
W.R. Berkley Corp. COM 084423102   16,386 263,183 SH   SOLE   263,183 0 0
Avantis U.S. Small-Cap Value E ETF 025072877   10,511 141,920 SH   SOLE   141,920 0 0
Vanguard FTSE Developed Market ETF 921943858   21,285 471,210 SH   SOLE   471,210 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   24,752 255,970 SH   SOLE   255,970 0 0
Janus Henderson Enterprise Fun ETF 47103D405   2,317 17,587 SH   SOLE   17,587 0 0
T. Rowe Price Small-Cap Value ETF 77957Q103   1,307 27,253 SH   SOLE   27,253 0 0
Vanguard Small-Cap Index Fund ETF 922908686   1,286 14,160 SH   SOLE   14,160 0 0
Fidelity Advisor Utilities Fun ETF 315918748   378 10,318 SH   SOLE   10,318 0 0
Fidelity Contrafund ETF 316071109   527 39,653 SH   SOLE   39,653 0 0
Health Care Select Sector SPDR ETF 81369Y209   317 2,450 SH   SOLE   2,450 0 0
Invesco Comstock Fund R6 ETF 00143M331   1,253 47,718 SH   SOLE   47,718 0 0
Invesco V.I. Comstock Fund VIT ETF 00888X773   624 17,841 SH   SOLE   17,841 0 0
JPMorgan Equity Income Fund I ETF 4812C0498   934 42,558 SH   SOLE   42,558 0 0
JPMorgan Equity Income Fund R6 ETF 46636U876   4,554 207,565 SH   SOLE   207,565 0 0
Principal Large-Cap Growth Fun ETF 74253J784   12,706 857,335 SH   SOLE   857,335 0 0
SPDR Portfolio S&P 500 Growth ETF 78464A409   468 8,460 SH   SOLE   8,460 0 0
SPDR Portfolio S&P 500 Value E ETF 78464A508   650 15,970 SH   SOLE   15,970 0 0
SPDR S&P 500 ETF ETF 78462F103   4,030 9,843 SH   SOLE   9,843 0 0
Schwab S&P 500 Index Fund ETF 808509855   516 8,171 SH   SOLE   8,171 0 0
T. Rowe Price Blue Chip Growth ETF 77954T878   426 9,259 SH   SOLE   9,259 0 0
Vanguard 500 Index Fund Adm ETF 922908710   439 1,158 SH   SOLE   1,158 0 0
Vanguard Wellington Fund Adm ETF 921935201   370 5,424 SH   SOLE   5,424 0 0
iShares S&P 500 Growth ETF ETF 464287309   988 15,470 SH   SOLE   15,470 0 0
iShares S&P 500 Index Fund K ETF 066922204   1,899 3,943 SH   SOLE   3,943 0 0
American Funds Europacific Gro ETF 298706409   307 5,722 SH   SOLE   5,722 0 0
Invesco Developing Markets Fun ETF 683974505   1,413 36,312 SH   SOLE   36,312 0 0
T. Rowe Price Overseas Stock F ETF 77956H435   4,918 419,632 SH   SOLE   419,632 0 0
Vanguard Total Intl Stock Inde ETF 921909818   702 23,664 SH   SOLE   23,664 0 0
American Century Muni Bond Fun ETF 024934846   1,093 101,172 SH   SOLE   101,172 0 0
Eaton Vance Income Fund of Bos ETF 277907200   171 34,254 SH   SOLE   34,254 0 0
Osterweis Strategic Income Fun ETF 742935489   297 28,376 SH   SOLE   28,376 0 0
Vanguard Short-Term Corporate ETF 92206C409   613 8,035 SH   SOLE   8,035 0 0
Vanguard Short-Term Corporate ETF 921925863   302 26,767 SH   SOLE   26,767 0 0
Vanguard Short-Term Corporate ETF 921925863   233 20,513 SH   SOLE   20,513 0 0
Vanguard Short-Term Inv Grade ETF 922031836   3,997 396,888 SH   SOLE   396,888 0 0
Vanguard Short-Term Inv Grade ETF 922031406   164 16,267 SH   SOLE   16,267 0 0
SPDR Gold Trust ETF 78463V107   10,423 56,887 SH   SOLE   56,887 0 0
iShares Gold Trust ETF 464285204   8,110 217,012 SH   SOLE   217,012 0 0