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 1,432 7,207 SH   SOLE   0 0 7,207
ABB Ltd COM 000375204 4,946 145,521 SH   SOLE   0 0 145,521
ADM COM 039483102 361 5,954 SH   SOLE   0 0 5,954
ATN International COM 00215f107 386 8,485 SH   SOLE   0 0 8,485
AbbVie Inc COM 00287y109 268 2,381 SH   SOLE   0 0 2,381
Abbott Labs COM 002824100 826 7,121 SH   SOLE   0 0 7,121
Accenture COM G1151C101 329 1,117 SH   SOLE   0 0 1,117
Airbnb Inc. COM 009066101 2,623 17,125 SH   SOLE   0 0 17,125
Alibaba Holdings Ltd COM 01609w102 3,177 14,010 SH   SOLE   0 0 14,010
Alphabet Inc Class A COM 02079k305 715 293 SH   SOLE   0 0 293
Alphabet Inc Class C COM 02079k107 551 220 SH   SOLE   0 0 220
Amazon.com COM 023135106 1,424 414 SH   SOLE   0 0 414
American Express Co COM 025816109 204 1,237 SH   SOLE   0 0 1,237
Americold Realty Trust COM 03064D108 567 14,975 SH   SOLE   0 0 14,975
Amgen Inc COM 031162100 4,387 17,998 SH   SOLE   0 0 17,998
Apollo Global Mgmt Cl A COM 03768E105 647 10,400 SH   SOLE   0 0 10,400
Apple Inc COM 037833100 8,099 59,134 SH   SOLE   0 0 59,134
Applied Materials COM 038222105 228 1,600 SH   SOLE   0 0 1,600
Bank of New York Mellon COM 064058100 3,363 65,647 SH   SOLE   0 0 65,647
Becton Dickinson Co. COM 075887109 3,319 13,649 SH   SOLE   0 0 13,649
Berkshire Hathaway Cl A COM 084670108 837 2 SH   SOLE   0 0 2
Berkshire Hathaway Cl B COM 084670702 1,210 4,353 SH   SOLE   0 0 4,353
Blackstone Group Inc. COM 09260D107 959 9,875 SH   SOLE   0 0 9,875
Bristol Myers Squibb Co COM 110122108 437 6,538 SH   SOLE   0 0 6,538
Check Point Software (ISR) COM M22465104 3,253 28,016 SH   SOLE   0 0 28,016
Chevron Corp COM 166764100 278 2,657 SH   SOLE   0 0 2,657
China Life Insurance Co. COM 16939P106 484 48,642 SH   SOLE   0 0 48,642
Chubb Ltd COM H1467J104 1,435 9,029 SH   SOLE   0 0 9,029
Church & Dwight COM 171340102 4,564 53,557 SH   SOLE   0 0 53,557
Cigna COM 125523100 562 2,369 SH   SOLE   0 0 2,369
Cintas Corp COM 172908105 273 715 SH   SOLE   0 0 715
Cisco Systems COM 17275R102 2,775 52,359 SH   SOLE   0 0 52,359
Coca Cola Co COM 191216100 220 4,057 SH   SOLE   0 0 4,057
Colgate COM 194162103 397 4,875 SH   SOLE   0 0 4,875
Credit Acceptance Corp COM 225310101 383 844 SH   SOLE   0 0 844
Diageo PLC COM 25243Q205 5,339 27,854 SH   SOLE   0 0 27,854
Dover Corp COM 260003108 640 4,250 SH   SOLE   0 0 4,250
Eli Lilly COM 532457108 327 1,426 SH   SOLE   0 0 1,426
Emerson Electric COM 291011104 461 4,795 SH   SOLE   0 0 4,795
Enstar Group Ltd COM G3075P101 585 2,450 SH   SOLE   0 0 2,450
Exxon Mobil Corp COM 30231G102 760 12,052 SH   SOLE   0 0 12,052
FEMSA COM 344419106 2,109 24,950 SH   SOLE   0 0 24,950
FedEx Corp. COM 31428X106 4,819 16,153 SH   SOLE   0 0 16,153
Fidelity National Info Service COM 31620m106 341 2,404 SH   SOLE   0 0 2,404
Fifth Third Bancorp COM 316773100 672 17,568 SH   SOLE   0 0 17,568
First Bancorp COM 31866p102 354 12,025 SH   SOLE   0 0 12,025
General Electric COM 369604301 419 31,117 SH   SOLE   0 0 31,117
General Mills COM 370334104 638 10,464 SH   SOLE   0 0 10,464
Goldman Sachs JUST US Large Ca COM 381430396 459 7,350 SH   SOLE   0 0 7,350
Hannon Armstrong Sustainable I COM 41068X100 227 4,050 SH   SOLE   0 0 4,050
Hasbro Corp COM 418056107 3,916 41,428 SH   SOLE   0 0 41,428
Hershey Foods Corp COM 427866108 3,967 22,773 SH   SOLE   0 0 22,773
Home Depot COM 437076102 454 1,424 SH   SOLE   0 0 1,424
Honeywell International COM 438516106 1,283 5,847 SH   SOLE   0 0 5,847
IBM COM 459200101 4,383 29,902 SH   SOLE   0 0 29,902
Idexx Labs COM 45168D104 1,910 3,024 SH   SOLE   0 0 3,024
Illinois Tool Works COM 452308109 322 1,439 SH   SOLE   0 0 1,439
Intel COM 458140100 4,138 73,709 SH   SOLE   0 0 73,709
JP Morgan Chase & Co. COM 46625H100 857 5,510 SH   SOLE   0 0 5,510
Johnson & Johnson COM 478160104 1,980 12,022 SH   SOLE   0 0 12,022
Kellogg Co COM 487836108 349 5,430 SH   SOLE   0 0 5,430
Laboratory Corp of America COM 50540r409 532 1,929 SH   SOLE   0 0 1,929
Linde PLC COM G5494J103 312 1,079 SH   SOLE   0 0 1,079
Manpower COM 56418H100 497 4,180 SH   SOLE   0 0 4,180
Markel Corp COM 570535104 504 425 SH   SOLE   0 0 425
Mastercard Inc. COM 57636q104 268 735 SH   SOLE   0 0 735
McCormick Inc COM 579780206 2,558 28,966 SH   SOLE   0 0 28,966
McDonald's COM 580135101 1,653 7,158 SH   SOLE   0 0 7,158
MercadoLibre Inc. COM 58733R102 679 436 SH   SOLE   0 0 436
Merck & Co COM 58933y105 1,175 15,103 SH   SOLE   0 0 15,103
Microsoft COM 594918104 11,634 42,945 SH   SOLE   0 0 42,945
Natura & Co. COM 63884n108 271 11,925 SH   SOLE   0 0 11,925
Nextera Energy Inc. COM 65339f101 269 3,676 SH   SOLE   0 0 3,676
Nike Inc B COM 654106103 347 2,249 SH   SOLE   0 0 2,249
Norfolk Southern COM 655844108 5,536 20,860 SH   SOLE   0 0 20,860
PayPal Holdings, Inc. COM 70450y103 287 983 SH   SOLE   0 0 983
Pepsico COM 713448108 382 2,575 SH   SOLE   0 0 2,575
Pfizer COM 717081103 519 13,264 SH   SOLE   0 0 13,264
Philip Morris Int'l COM 718172109 321 3,242 SH   SOLE   0 0 3,242
Procter & Gamble COM 742718109 1,730 12,822 SH   SOLE   0 0 12,822
Qualcomm Inc. COM 747525103 304 2,124 SH   SOLE   0 0 2,124
Rockwell Automation Inc COM 773903109 5,696 19,916 SH   SOLE   0 0 19,916
Roper Industries COM 776696106 424 902 SH   SOLE   0 0 902
Royal Dutch Shell A ADR COM 780259206 879 21,750 SH   SOLE   0 0 21,750
Royal Dutch Shell B ADR COM 780259107 1,343 34,580 SH   SOLE   0 0 34,580
SPDR Gold Shares COM 78463v107 392 2,368 SH   SOLE   0 0 2,368
SPDR S&P 500 COM 78462F103 68,851 160,845 SH   SOLE   0 0 160,845
SPDR S&P Mid Cap 400 COM 78467Y107 43,407 88,404 SH   SOLE   0 0 88,404
Schwab US REIT COM 808524847 345 7,539 SH   SOLE   0 0 7,539
Sherwin Williams COM 824348106 826 3,033 SH   SOLE   0 0 3,033
Skyworks Solutions Inc COM 83088m102 222 1,160 SH   SOLE   0 0 1,160
Smith & Nephew (UK) ADR COM 83175M205 1,086 25,010 SH   SOLE   0 0 25,010
TSMC COM 874039100 590 4,906 SH   SOLE   0 0 4,906
Texas Instruments COM 882508104 6,360 33,075 SH   SOLE   0 0 33,075
Thermo Fisher Scientific COM 883556102 340 673 SH   SOLE   0 0 673
US Bancorp COM 902973304 4,016 70,493 SH   SOLE   0 0 70,493
Unilever PLC COM 904767704 4,517 77,209 SH   SOLE   0 0 77,209
Vanguard All World ex-US COM 922042775 4,756 75,021 SH   SOLE   0 0 75,021
Vanguard CRSP Mid Cap COM 922908629 1,469 6,188 SH   SOLE   0 0 6,188
Vanguard Emerging Markets COM 922042858 18,981 349,493 SH   SOLE   0 0 349,493
Vanguard FTSE All World ex-US COM 922042718 9,828 72,026 SH   SOLE   0 0 72,026
Vanguard FTSE Developed Market COM 921943858 6,327 122,801 SH   SOLE   0 0 122,801
Vanguard Large Cap Growth COM 922908736 336 1,170 SH   SOLE   0 0 1,170
Vanguard Large Cap Value COM 922908744 247 1,796 SH   SOLE   0 0 1,796
Vanguard Russell 2000 Value COM 92206C649 578 3,979 SH   SOLE   0 0 3,979
Vanguard S&P 500 COM 922908363 1,442 3,664 SH   SOLE   0 0 3,664
Vanguard Total US Market COM 922908769 15,940 71,537 SH   SOLE   0 0 71,537
Verizon Communications COM 92343V104 311 5,550 SH   SOLE   0 0 5,550
Visa Inc COM 92826C839 311 1,328 SH   SOLE   0 0 1,328
Walt Disney Company COM 254687106 660 3,754 SH   SOLE   0 0 3,754
Waters Corp COM 941848103 456 1,318 SH   SOLE   0 0 1,318
Westrock Co COM 96145d105 455 8,544 SH   SOLE   0 0 8,544
WisdomTree Emerging Markets Sm COM 97717W281 2,915 53,506 SH   SOLE   0 0 53,506
WisdomTree India Fund COM 97717w422 1,409 41,626 SH   SOLE   0 0 41,626
Xylem Inc COM 98419m100 2,892 24,106 SH   SOLE   0 0 24,106
iShares Core MSCI EAFE COM 46432f842 8,383 111,980 SH   SOLE   0 0 111,980
iShares Core MSCI Emerging Mar COM 46434G103 5,024 74,996 SH   SOLE   0 0 74,996
iShares Core S&P 500 COM 464287200 6,401 14,889 SH   SOLE   0 0 14,889
iShares ESG MSCI EAFE Index COM 46435g516 259 3,275 SH   SOLE   0 0 3,275
iShares ESG MSCI Emerging Mark COM 46434g863 264 5,850 SH   SOLE   0 0 5,850
iShares ESG USA Mid/Small Cap COM 46435u663 400 9,900 SH   SOLE   0 0 9,900
iShares MSCI All-Country World COM 464288257 271 2,681 SH   SOLE   0 0 2,681
iShares MSCI EAFE Index COM 464287465 22,175 281,126 SH   SOLE   0 0 281,126
iShares MSCI Emerging Markets COM 464287234 13,845 251,048 SH   SOLE   0 0 251,048
iShares MSCI USA ESG Select ET COM 464288802 626 6,550 SH   SOLE   0 0 6,550
iShares Mid Cap S&P 400 COM 464287507 19,270 71,706 SH   SOLE   0 0 71,706
iShares Russell 2000 COM 464287655 14,506 63,243 SH   SOLE   0 0 63,243
iShares Russell 2000 Growth COM 464287648 237 759 SH   SOLE   0 0 759
iShares Russell 2000 Value COM 464287630 207 1,251 SH   SOLE   0 0 1,251
iShares Russell Microcap COM 464288869 646 4,235 SH   SOLE   0 0 4,235
iShares Russell Mid Cap Growth COM 464287481 215 1,898 SH   SOLE   0 0 1,898
iShares S&P 100 Index COM 464287101 444 2,263 SH   SOLE   0 0 2,263
iShares S&P 500 Growth COM 464287309 285 3,924 SH   SOLE   0 0 3,924
iShares S&P Mid Cap 400 Value COM 464287705 204 1,934 SH   SOLE   0 0 1,934
iShares Select Dividend COM 464287168 1,383 11,855 SH   SOLE   0 0 11,855
iShares Small Cap S&P 600 COM 464287804 421 3,722 SH   SOLE   0 0 3,722
JP Morgan Ultra-Short Income COM 46641Q837 250 4,925 SH   SOLE   0 0 4,925
PIMCO Enhanced Shrt Mat Active COM 72201R833 204 2,000 SH   SOLE   0 0 2,000
SPDR Investment Grade Floating COM 78468R200 8,224 268,335 SH   SOLE   0 0 268,335
SPDR Portfolio Intermediate Tr COM 78464a672 504 15,575 SH   SOLE   0 0 15,575
SPDR Portfolio Short Term Trea COM 78468r101 5,285 172,485 SH   SOLE   0 0 172,485
Vanguard Intermediate-Term Tre COM 92206C706 515 7,600 SH   SOLE   0 0 7,600
Vanguard Short-Term TIPS Bond COM 922020805 12,947 247,024 SH   SOLE   0 0 247,024
Vanguard Short-Term Treasury E COM 92206C102 5,974 97,247 SH   SOLE   0 0 97,247
iShares 0-5 Year TIPS Bond ETF COM 46429b747 13,043 122,687 SH   SOLE   0 0 122,687
iShares AAA-A Rated Corporate COM 46429B291 7,600 133,683 SH   SOLE   0 0 133,683
iShares Agency Bond ETF COM 464288166 3,396 28,686 SH   SOLE   0 0 28,686
iShares Floating Rate Bond ETF COM 46429B655 8,295 163,215 SH   SOLE   0 0 163,215
iShares GNMA Bond ETF COM 46429B333 7,847 156,945 SH   SOLE   0 0 156,945
iShares MBS ETF COM 464288588 7,897 72,969 SH   SOLE   0 0 72,969
iShares Short-Term National Mu COM 464288158 1,892 17,550 SH   SOLE   0 0 17,550
iShares Ultra Short Term Bond COM 46434V878 250 4,950 SH   SOLE   0 0 4,950