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
iShares Core S&P 500 ETF ETF 464287200 31,722 98,139 SH   SOLE   92,117 0 6,022
Vanguard FTSE Developed Markets ETF ETF 921943858 7,669 174,066 SH   SOLE   163,355 0 10,711
Schwab US Large-Cap ETF ETF 808524201 5,188 67,549 SH   SOLE   67,549 0 0
Microsoft Corp COM 594918104 4,951 31,397 SH   SOLE   30,905 0 492
Abbott Laboratories COM 002824100 3,778 43,491 SH   SOLE   42,666 0 825
Nike Inc B COM 654106103 3,687 36,395 SH   SOLE   35,720 0 675
Accenture PLC A COM G1151C101 3,469 16,473 SH   SOLE   16,152 0 321
Norfolk Southern Corp COM 655844108 3,444 17,739 SH   SOLE   17,400 0 339
Walt Disney Co COM 254687106 3,440 23,785 SH   SOLE   23,389 0 396
Intel Corp COM 458140100 3,422 57,168 SH   SOLE   56,118 0 1,050
AbbVie Inc COM 00287Y109 3,277 37,017 SH   SOLE   36,144 0 873
JPMorgan Chase & Co COM 46625H100 3,214 23,057 SH   SOLE   22,526 0 531
Johnson & Johnson COM 478160104 3,204 21,963 SH   SOLE   21,516 0 447
BlackRock Inc COM 09247X101 3,185 6,336 SH   SOLE   6,216 0 120
Novartis AG COM 66987V109 3,182 33,609 SH   SOLE   32,958 0 651
Automatic Data Processing Inc COM 053015103 3,156 18,511 SH   SOLE   18,178 0 333
Home Depot Inc COM 437076102 3,120 14,286 SH   SOLE   13,986 0 300
Coca-Cola Co COM 191216100 3,059 55,263 SH   SOLE   54,363 0 900
T. Rowe Price Group Inc COM 74144T108 3,028 24,852 SH   SOLE   24,327 0 525
VF Corp COM 918204108 2,952 29,621 SH   SOLE   29,096 0 525
PepsiCo Inc COM 713448108 2,917 21,347 SH   SOLE   20,897 0 450
Marathon Petroleum Corp COM 56585A102 2,842 47,166 SH   SOLE   46,266 0 900
Dominion Energy Inc COM 25746U109 2,827 34,131 SH   SOLE   33,456 0 675
Hershey Co COM 427866108 2,813 19,138 SH   SOLE   18,700 0 438
US Bancorp COM 902973304 2,777 46,836 SH   SOLE   46,011 0 825
Chevron Corp COM 166764100 2,757 22,877 SH   SOLE   22,427 0 450
United Technologies Corp COM 913017109 2,730 18,230 SH   SOLE   17,915 0 315
Cisco Systems Inc COM 17275R102 2,730 56,931 SH   SOLE   55,881 0 1,050
Comcast Corp Class A COM 20030N101 2,689 59,798 SH   SOLE   58,673 0 1,125
Travelers Companies Inc COM 89417e109 2,661 19,433 SH   SOLE   19,058 0 375
General Dynamics Corp COM 369550108 2,603 14,760 SH   SOLE   14,463 0 297
Enbridge Inc Com COM 29250N105 2,597 65,300 SH   SOLE   64,250 0 1,050
Vanguard FTSE Emerging Markets ETF ETF 922042858 2,546 57,248 SH   SOLE   53,514 0 3,734
3M Co COM 88579Y101 2,527 14,326 SH   SOLE   14,048 0 278
iShares Core S&P Mid-Cap ETF ETF 464287507 2,513 12,211 SH   SOLE   11,481 0 730
Fox Corp Class A COM 35137L105 2,503 67,534 SH   SOLE   66,217 0 1,317
Colgate-Palmolive Co COM 194162103 2,463 35,784 SH   SOLE   35,034 0 750
Vanguard FTSE All-World ex-US Small-Cap ETF ETF 922042718 2,446 22,014 SH   SOLE   20,643 0 1,371
iShares Core S&P Small-Cap ETF ETF 464287804 2,427 28,946 SH   SOLE   27,127 0 1,819
Dunkin Brands Group Inc COM 265504100 2,379 31,489 SH   SOLE   30,853 0 636
Equifax Inc COM 294429105 2,363 16,863 SH   SOLE   16,482 0 381
Pfizer Inc COM 717081103 2,352 60,023 SH   SOLE   58,820 0 1,203
Oracle Corp COM 68389X105 2,267 42,787 SH   SOLE   41,887 0 900
Bank of New York Mellon Corp COM 064058100 2,178 43,270 SH   SOLE   42,442 0 828
Merck & Co Inc COM 58933Y105 1,772 19,483 SH   SOLE   19,147 0 336
Exxon Mobil Corp COM 30231G102 1,660 23,786 SH   SOLE   23,286 0 500
Schwab International Equity ETF ETF 808524805 1,188 35,337 SH   SOLE   35,337 0 0
Schwab Emerging Markets Equity ETF ETF 808524706 397 14,523 SH   SOLE   14,523 0 0
Schwab US Small-Cap ETF ETF 808524607 396 5,234 SH   SOLE   5,234 0 0
Schwab US Mid-Cap ETF ETF 808524508 395 6,572 SH   SOLE   6,572 0 0
Schwab International Small-Cap Eq ETF ETF 808524888 386 11,150 SH   SOLE   11,150 0 0
Penske Automotive Group Inc COM 70959W103 369 7,352 SH   SOLE   7,352 0 0
Apple Inc COM 037833100 359 1,221 SH   SOLE   1,221 0 0
Berkshire Hathaway Inc B COM 084670702 334 1,475 SH   SOLE   1,475 0 0
Philip Morris International Inc COM 718172109 322 3,784 SH   SOLE   3,784 0 0
Schwab US Broad Market ETF ETF 808524102 262 3,414 SH   SOLE   3,414 0 0
Woodward Inc COM 980745103 225 1,900 SH   SOLE   1,900 0 0
Dow Chemical Co COM 260557103 219 4,000 SH   SOLE   4,000 0 0
Corteva Inc COM 22052L104 207 7,000 SH   SOLE   7,000 0 0
PLx Pharma Inc COM 72942A107 139 31,712 SH   SOLE   31,712 0 0
TILT Holdings Inc COM 88688R104 3 11,472 SH   SOLE   11,472 0 0