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 CO COM 88579Y101 2,827 18,986 SH   SOLE   11,825 0 7,161
ABBOTT LABS COM 002824100 736 6,221 SH   SOLE   5,917 0 304
ABBVIE INC COM 00287Y109 2,257 13,925 SH   SOLE   13,925 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 325 965 SH   SOLE   30 0 935
ADOBE SYSTEMS INCORPORATED COM 00724F101 775 1,700 SH   SOLE   1,700 0 0
ADVANCED MICRO DEVICES INC COM 007903107 678 6,204 SH   SOLE   6,204 0 0
AIR PRODS & CHEMS INC COM 009158106 672 2,687 SH   SOLE   2,687 0 0
ALPHABET INC CAP STK CL A 02079K305 12,260 4,408 SH   SOLE   3,670 0 738
ALPHABET INC CAP STK CL C 02079K107 24,528 8,782 SH   SOLE   6,970 0 1,812
ALTRIA GROUP INC COM 02209S103 1,277 24,443 SH   SOLE   21,209 0 3,234
AMAZON COM INC COM 023135106 13,917 4,269 SH   SOLE   3,248 0 1,021
AMERICAN ELEC PWR CO INC COM 025537101 717 7,186 SH   SOLE   5,186 0 2,000
AMERICAN EXPRESS CO COM 025816109 450 2,406 SH   SOLE   428 0 1,978
AMPHENOL CORP NEW CL A 032095101 293 3,888 SH   SOLE   0 0 3,888
APPLE INC COM 037833100 65,779 376,720 SH   SOLE   315,724 0 60,996
AT&T INC COM 00206R102 646 27,355 SH   SOLE   27,355 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,111 9,278 SH   SOLE   3,695 0 5,583
AUTOZONE INC COM 053332102 1,431 700 SH   SOLE   0 0 700
BK OF AMERICA CORP COM 060505104 12,808 310,716 SH   SOLE   260,783 0 49,933
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 333 944 SH   SOLE   538 0 406
BLACKROCK INC COM 09247X101 13,835 18,105 SH   SOLE   14,586 0 3,519
BRISTOL-MYERS SQUIBB CO COM 110122108 363 4,975 SH   SOLE   4,975 0 0
CATERPILLAR INC COM 149123101 8,111 36,402 SH   SOLE   30,507 0 5,895
CHEVRON CORP NEW COM 166764100 3,437 21,106 SH   SOLE   20,131 0 975
CHUBB LIMITED COM H1467J104 12,604 58,923 SH   SOLE   46,663 0 12,260
CISCO SYS INC COM 17275R102 1,342 24,069 SH   SOLE   23,269 0 800
COCA COLA CO COM 191216100 987 15,920 SH   SOLE   15,920 0 0
COMCAST CORP NEW CL A 20030N101 9,730 207,821 SH   SOLE   175,694 0 32,127
CONOCOPHILLIPS COM 20825C104 501 5,005 SH   SOLE   3,150 0 1,855
COSTCO WHSL CORP NEW COM 22160K105 633 1,100 SH   SOLE   1,100 0 0
CSX CORP COM 126408103 11,807 315,262 SH   SOLE   240,764 0 74,498
CVS HEALTH CORP COM 126650100 9,713 95,968 SH   SOLE   75,279 0 20,689
DANAHER CORPORATION COM 235851102 21,086 71,883 SH   SOLE   60,173 0 11,710
DEERE & CO COM 244199105 540 1,300 SH   SOLE   1,300 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 256 1,258 SH   SOLE   0 0 1,258
DISCOVER FINL SVCS COM 254709108 11,736 106,509 SH   SOLE   83,143 0 23,366
DISNEY WALT CO COM 254687106 11,475 83,664 SH   SOLE   64,253 0 19,411
DUKE ENERGY CORP NEW COM NEW 26441C204 223 2,000 SH   SOLE   2,000 0 0
ECOLAB INC COM 278865100 11,952 67,694 SH   SOLE   47,805 0 19,889
EMERSON ELEC CO COM 291011104 9,241 94,251 SH   SOLE   67,479 0 26,772
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,725 22,565 SH   SOLE   22,184 0 381
EOG RES INC COM 26875P101 1,157 9,702 SH   SOLE   9,227 0 475
EVEREST RE GROUP LTD COM G3223R108 7,595 25,201 SH   SOLE   21,306 0 3,895
EXXON MOBIL CORP COM 30231G102 1,961 23,739 SH   SOLE   23,639 0 100
FASTENAL CO COM 311900104 558 9,400 SH   SOLE   9,400 0 0
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 86 1,086 SH   SOLE   1,086 0 0
FIDELITY COVINGTON TRUST MSCI FINLS IDX 316092501 63 1,158 SH   SOLE   1,158 0 0
FIDELITY COVINGTON TRUST MSCI HLTH CARE I 316092600 67 1,024 SH   SOLE   1,024 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 472 4,701 SH   SOLE   4,527 0 174
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 19 500 SH   SOLE   500 0 0
FISERV INC COM 337738108 14,261 140,642 SH   SOLE   113,074 0 27,568
FORD MTR CO DEL COM 345370860 216 12,750 SH   SOLE   0 0 12,750
GALLAGHER ARTHUR J & CO COM 363576109 279 1,600 SH   SOLE   1,600 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 8,643 26,182 SH   SOLE   18,640 0 7,542
GRAINGER W W INC COM 384802104 713 1,383 SH   SOLE   1,383 0 0
HARLEY DAVIDSON INC COM 412822108 494 12,529 SH   SOLE   12,529 0 0
HOME DEPOT INC COM 437076102 21,622 72,234 SH   SOLE   56,218 0 16,016
HONEYWELL INTL INC COM 438516106 383 1,970 SH   SOLE   1,970 0 0
INTEL CORP COM 458140100 2,881 58,140 SH   SOLE   41,074 0 17,066
INTERNATIONAL BUSINESS MACHS COM 459200101 641 4,933 SH   SOLE   3,613 0 1,320
INVESCO QQQ TR UNIT SER 1 46090E103 807 2,227 SH   SOLE   1,927 0 300
ISHARES TR CORE S&P MCP ETF 464287507 431 1,607 SH   SOLE   1,568 0 39
ISHARES TR CORE MSCI EAFE 46432F842 22 318 SH   SOLE   318 0 0
ISHARES INC CORE MSCI EMKT 46434G103 355 6,396 SH   SOLE   212 0 6,184
ISHARES TR CORE S&P500 ETF 464287200 36 80 SH   SOLE   80 0 0
ISHARES TR CORE S&P SCP ETF 464287804 7,948 73,679 SH   SOLE   67,429 0 6,250
ISHARES TR MSCI USA QLT FCT 46432F339 8,093 60,111 SH   SOLE   60,111 0 0
ISHARES TR MSCI USA VALUE 46432F388 9,720 92,948 SH   SOLE   92,948 0 0
ISHARES TR MSCI EAFE ETF 464287465 15 202 SH   SOLE   202 0 0
ISHARES TR EAFE GRWTH ETF 464288885 87 900 SH   SOLE   0 0 900
ISHARES TR EAFE VALUE ETF 464288877 72 1,433 SH   SOLE   0 0 1,433
ISHARES INC MSCI EMERG MRKT 464286533 611 10,006 SH   SOLE   10,006 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 8,421 108,559 SH   SOLE   108,559 0 0
ISHARES TR MSCI USA MMENTM 46432F396 6,972 41,435 SH   SOLE   41,435 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 837 3,016 SH   SOLE   0 0 3,016
ISHARES TR RUS 1000 ETF 464287622 174 697 SH   SOLE   697 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 974 3,810 SH   SOLE   1,810 0 2,000
ISHARES TR RUSSELL 2000 ETF 464287655 3,128 15,237 SH   SOLE   11,637 0 3,600
ISHARES TR RUS 2000 VAL ETF 464287630 818 5,070 SH   SOLE   5,070 0 0
ISHARES TR PFD AND INCM SEC 464288687 239 6,550 SH   SOLE   6,550 0 0
ISHARES TR SELECT DIVID ETF 464287168 962 7,507 SH   SOLE   7,507 0 0
JOHNSON & JOHNSON COM 478160104 2,281 12,873 SH   SOLE   11,123 0 1,750
JPMORGAN CHASE & CO COM 46625H100 2,050 15,035 SH   SOLE   14,285 0 750
KIMBERLY-CLARK CORP COM 494368103 1,025 8,323 SH   SOLE   8,323 0 0
LILLY ELI & CO COM 532457108 397 1,385 SH   SOLE   1,385 0 0
LOWES COS INC COM 548661107 1,262 6,242 SH   SOLE   6,242 0 0
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 331 3,222 SH   SOLE   3,222 0 0
MARSH & MCLENNAN COS INC COM 571748102 1,460 8,565 SH   SOLE   8,565 0 0
MCDONALDS CORP COM 580135101 451 1,822 SH   SOLE   822 0 1,000
MEDTRONIC PLC SHS G5960L103 255 2,300 SH   SOLE   2,300 0 0
MERCK & CO INC COM 58933Y105 2,122 25,862 SH   SOLE   18,212 0 7,650
MICROSOFT CORP COM 594918104 25,576 82,957 SH   SOLE   66,048 0 16,909
MORGAN STANLEY COM NEW 617446448 485 5,550 SH   SOLE   5,550 0 0
NEOGEN CORP COM 640491106 1,936 62,790 SH   SOLE   62,790 0 0
NEXTERA ENERGY INC COM 65339F101 343 4,054 SH   SOLE   4,054 0 0
NIKE INC CL B 654106103 861 6,400 SH   SOLE   6,400 0 0
PEPSICO INC COM 713448108 10,474 62,578 SH   SOLE   53,112 0 9,466
PFIZER INC COM 717081103 11,065 213,732 SH   SOLE   182,271 0 31,461
PRICE T ROWE GROUP INC COM 74144T108 2,147 14,200 SH   SOLE   10,198 0 4,002
PROCTER AND GAMBLE CO COM 742718109 2,771 18,133 SH   SOLE   18,133 0 0
QUALCOMM INC COM 747525103 13,553 88,688 SH   SOLE   76,721 0 11,967
RAYTHEON TECHNOLOGIES CORP COM 75513E101 8,587 86,679 SH   SOLE   71,683 0 14,996
ROCKWELL AUTOMATION INC COM 773903109 213 760 SH   SOLE   760 0 0
ROPER TECHNOLOGIES INC COM 776696106 6,863 14,533 SH   SOLE   10,993 0 3,540
SPDR S&P 500 ETF TR TR UNIT 78462F103 578 1,280 SH   SOLE   1,280 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 393 801 SH   SOLE   217 0 584
SEALED AIR CORP NEW COM 81211K100 455 6,791 SH   SOLE   6,791 0 0
SHERWIN WILLIAMS CO COM 824348106 11,077 44,375 SH   SOLE   34,048 0 10,327
SPDR GOLD TR GOLD SHS 78463V107 3,875 21,450 SH   SOLE   21,450 0 0
SPDR SER TR S&P METALS MNG 78464A755 591 9,635 SH   SOLE   9,635 0 0
SPDR SER TR S&P DIVID ETF 78464A763 1,907 14,887 SH   SOLE   14,887 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 538 5,159 SH   SOLE   0 0 5,159
TARGET CORP COM 87612E106 3,260 15,361 SH   SOLE   2,816 0 12,545
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 397 2,500 SH   SOLE   1,600 0 900
TERADYNE INC COM 880770102 20,751 175,510 SH   SOLE   144,469 0 31,041
THERMO FISHER SCIENTIFIC INC COM 883556102 1,820 3,082 SH   SOLE   1,916 0 1,166
TRUIST FINL CORP COM 89832Q109 250 4,401 SH   SOLE   4,401 0 0
UNITEDHEALTH GROUP INC COM 91324P102 564 1,105 SH   SOLE   1,105 0 0
US BANCORP DEL COM NEW 902973304 3,949 74,307 SH   SOLE   49,740 0 24,567
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 16,175 336,778 SH   SOLE   320,678 0 16,100
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 8,142 176,504 SH   SOLE   176,504 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 93 325 SH   SOLE   325 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 80 544 SH   SOLE   544 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 4,119 60,921 SH   SOLE   45,721 0 15,200
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 293 3,125 SH   SOLE   3,125 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 37 155 SH   SOLE   155 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 65 292 SH   SOLE   292 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 48 321 SH   SOLE   321 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 5,860 54,078 SH   SOLE   53,345 0 733
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 524 1,261 SH   SOLE   1,261 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 13,263 170,261 SH   SOLE   170,261 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 52 247 SH   SOLE   247 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 3,600 20,460 SH   SOLE   14,910 0 5,550
VANGUARD INDEX FDS SML CP GRW ETF 922908595 54 218 SH   SOLE   218 0 0
VANGUARD WORLD FDS UTILITIES ETF 92204A876 29 181 SH   SOLE   181 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 230 552 SH   SOLE   552 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 551 10,820 SH   SOLE   9,820 0 1,000
VISA INC COM CL A 92826C839 20,813 93,848 SH   SOLE   72,639 0 21,209
WALMART INC COM 931142103 6,163 41,385 SH   SOLE   34,185 0 7,200
WEC ENERGY GROUP INC COM 92939U106 472 4,732 SH   SOLE   4,732 0 0
WELLS FARGO CO NEW COM 949746101 980 20,213 SH   SOLE   0 0 20,213
WEYERHAEUSER CO MTN BE COM NEW 962166104 1,926 50,814 SH   SOLE   47,870 0 2,944
WISDOMTREE TR INTL EQUITY FD 97717W703 85 1,610 SH   SOLE   0 0 1,610
WISDOMTREE TR US LARGECAP DIVD 97717W307 381 5,800 SH   SOLE   0 0 5,800