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
3M Co. COM 88579Y101 4,025 31,105 SH   SOLE   31,105 0 0
Aflac Inc. COM 001055102 3,592 64,912 SH   SOLE   64,912 0 0
Alphabet Inc. Class C COM 02079K107 7,899 3,611 SH   SOLE   3,611 0 0
Amazon.com Inc. COM 023135106 8,954 84,300 SH   SOLE   84,300 0 0
American Tower Corp. COM 03027X100 16,050 62,795 SH   SOLE   62,795 0 0
Amgen Inc. COM 031162100 9,207 37,841 SH   SOLE   37,841 0 0
Apple Inc. COM 037833100 17,108 125,135 SH   SOLE   125,135 0 0
BP PLC (ADR) COM 055622104 7,260 256,074 SH   SOLE   256,074 0 0
Bank of America Corp. COM 060505104 10,486 336,846 SH   SOLE   336,846 0 0
Berkshire Hathaway Inc. Class COM 084670702 202 740 SH   SOLE   740 0 0
Black Knight Inc. COM 09215C105 647 9,888 SH   SOLE   9,888 0 0
Boeing Co. COM 097023105 831 6,075 SH   SOLE   6,075 0 0
CVS Health Corp. COM 126650100 10,848 117,078 SH   SOLE   117,078 0 0
Canadian Natural Resources Ltd COM 136385101 333 6,200 SH   SOLE   6,200 0 0
Chevron Corp. COM 166764100 12 90 SH   SOLE   90 0 0
Colgate-Palmolive Co. COM 194162103 5,530 69,003 SH   SOLE   69,003 0 0
Cummins Inc. COM 231021106 316 1,632 SH   SOLE   1,632 0 0
Dominion Energy Inc. COM 25746U109 4,228 52,978 SH   SOLE   52,978 0 0
Eli Lilly & Co. COM 532457108 2,213 5,448 SH   SOLE   5,448 0 0
Exxon Mobil Corp. COM 30231G102 6,503 75,934 SH   SOLE   75,934 0 0
Goldman Sachs Group Inc. COM 38141G104 9,427 31,737 SH   SOLE   31,737 0 0
Home Depot Inc. COM 437076102 8,885 32,395 SH   SOLE   32,395 0 0
Honeywell International Inc. COM 438516106 13,491 77,618 SH   SOLE   77,618 0 0
IDEX Corp. COM 45167R104 254 1,400 SH   SOLE   1,400 0 0
Johnson & Johnson COM 478160104 18,957 106,795 SH   SOLE   106,795 0 0
Linde PLC COM G5494J103 18,689 64,999 SH   SOLE   64,999 0 0
Lowe's Companies Inc. COM 548661107 7,483 42,840 SH   SOLE   42,840 0 0
McCormick & Co. Inc. COM 579780206 333 4,000 SH   SOLE   4,000 0 0
Medtronic PLC COM G5960l103 15,562 173,395 SH   SOLE   173,395 0 0
Merck & Co. Inc. COM 58933Y105 254 2,786 SH   SOLE   2,786 0 0
Meta Platforms Inc. (Facebook COM 30303M102 4,760 29,517 SH   SOLE   29,517 0 0
Microsoft Corp. COM 594918104 23,030 89,671 SH   SOLE   89,671 0 0
Nike Inc. COM 654106103 347 3,400 SH   SOLE   3,400 0 0
Nvidia Corp. COM 67066G104 227 1,500 SH   SOLE   1,500 0 0
PepsiCo Inc. COM 713448108 12,173 73,043 SH   SOLE   73,043 0 0
Phillips 66 COM 718546104 9,442 115,160 SH   SOLE   115,160 0 0
Roche Holdings Ltd. (ADR) COM 771195104 2,227 53,392 SH   SOLE   53,392 0 0
TJX Companies Inc. COM 872540109 16,806 300,909 SH   SOLE   300,909 0 0
The Walt Disney Co. COM 254687106 3,933 41,662 SH   SOLE   41,662 0 0
Truist Financial Corp. COM 89832Q109 8,542 180,099 SH   SOLE   180,099 0 0
Union Pacific Corp. COM 907818108 15,307 71,769 SH   SOLE   71,769 0 0
UnitedHealth Group Inc. COM 91324P102 17,483 34,039 SH   SOLE   34,039 0 0
Universal Technical Institute COM 913915104 102 14,250 SH   SOLE   14,250 0 0
Visa Inc. Class A COM 92826C839 14,683 74,577 SH   SOLE   74,577 0 0
W.R. Berkley Corp. COM 084423102 17,530 256,808 SH   SOLE   256,808 0 0
Vanguard FTSE Developed Market ETF 921943858 34,331 841,441 SH   SOLE   841,441 0 0
Vanguard FTSE Emerging Markets ETF 922042858 11,424 274,283 SH   SOLE   274,283 0 0
iShares Core S&P Small-Cap ETF ETF 464287804 22,810 246,830 SH   SOLE   246,830 0 0
Janus Henderson Enterprise Fun ETF 47103D405 2,691 21,099 SH   SOLE   21,099 0 0
T. Rowe Price Small-Cap Value ETF 77957Q103 1,289 25,984 SH   SOLE   25,984 0 0
Vanguard Small-Cap Index Fund ETF 922908686 665 7,883 SH   SOLE   7,883 0 0
Fidelity Contrafund ETF 316071109 527 39,653 SH   SOLE   39,653 0 0
Health Care Select Sector SPDR ETF 81369Y209 372 2,900 SH   SOLE   2,900 0 0
Invesco Comstock Fund R6 ETF 00143M331 1,152 42,393 SH   SOLE   42,393 0 0
Invesco V.I. Comstock Fund VIT ETF 00888X773 578 18,042 SH   SOLE   18,042 0 0
JPMorgan Equity Income Fund I ETF 4812C0498 1,003 46,504 SH   SOLE   46,504 0 0
JPMorgan Equity Income Fund R6 ETF 46636U876 4,672 216,699 SH   SOLE   216,699 0 0
Principal Large-Cap Growth Fun ETF 74253J784 12,629 840,823 SH   SOLE   840,823 0 0
SPDR Portfolio S&P 500 Growth ETF 78464A409 422 8,070 SH   SOLE   8,070 0 0
SPDR Portfolio S&P 500 Value E ETF 78464A508 493 13,390 SH   SOLE   13,390 0 0
SPDR S&P 500 ETF ETF 78462F103 4,935 13,077 SH   SOLE   13,077 0 0
Schwab S&P 500 Index Fund ETF 808509855 269 4,606 SH   SOLE   4,606 0 0
T. Rowe Price Blue Chip Growth ETF 77954T878 397 9,372 SH   SOLE   9,372 0 0
Vanguard 500 Index Fund Adm ETF 922908710 503 1,439 SH   SOLE   1,439 0 0
iShares S&P 500 Growth ETF ETF 464287309 993 16,460 SH   SOLE   16,460 0 0
iShares S&P 500 Index Fund ETF 066922204 1,514 3,400 SH   SOLE   3,400 0 0
American Funds Europacific Gro ETF 298706409 277 5,770 SH   SOLE   5,770 0 0
Invesco Developing Markets Fun ETF 683974505 1,244 35,420 SH   SOLE   35,420 0 0
T. Rowe Price Overseas Stock F ETF 77956H435 4,792 447,408 SH   SOLE   447,408 0 0
Vanguard Total Intl Stock Inde ETF 921909818 538 19,458 SH   SOLE   19,458 0 0
Lord Abbett Inflation Focused ETF 54400U304 147 12,449 SH   SOLE   12,449 0 0
Invesco Senior Loan ETF ETF 46138G508 2,668 131,625 SH   SOLE   131,625 0 0
Eaton Vance Short Dur Govt Inc ETF 277911160 115 14,683 SH   SOLE   14,683 0 0
Brandywine Global Corporate Cr ETF 52472t775 190 19,411 SH   SOLE   19,411 0 0
Eaton Vance Income Fund of Bos ETF 277907200 158 32,688 SH   SOLE   32,688 0 0
FPA New Income Fund ETF 302544101 157 16,256 SH   SOLE   16,256 0 0
Vanguard Short-Term Corporate ETF 92206C409 530 6,945 SH   SOLE   6,945 0 0
Vanguard Short-Term Corporate ETF 921925863 295 26,511 SH   SOLE   26,511 0 0
Vanguard Short-Term Corporate ETF 921925863 253 22,580 SH   SOLE   22,580 0 0
Vanguard Short-Term Inv Grade ETF 922031836 4,364 432,919 SH   SOLE   432,919 0 0
Vanguard Short-Term Inv Grade ETF 922031406 188 18,637 SH   SOLE   18,637 0 0
SPDR Gold Trust ETF 78463V107 9,882 58,658 SH   SOLE   58,658 0 0
iShares Gold Trust ETF 464285204 6,966 203,077 SH   SOLE   203,077 0 0
Vanguard Ultra Short Bond ETF ETF 92203C303 34 710 SH   SOLE   710 0 0