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 593 3,981 SH   SOLE NONE 3,906 0 75
ABBOTT LABS COM 002824100 646 5,455 SH   SOLE NONE 5,455 0 0
ABBVIE INC COM 00287Y109 4,761 29,371 SH   SOLE NONE 29,021 0 350
AFLAC INC COM 001055102 573 8,900 SH   SOLE NONE 8,900 0 0
AIR PRODS & CHEMS INC COM 009158106 237 947 SH   SOLE NONE 947 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 367 3,370 SH   SOLE NONE 3,370 0 0
ALPHABET INC CAP STK CL A 02079K305 2,144 771 SH   SOLE NONE 771 0 0
ALPHABET INC CAP STK CL C 02079K107 6,055 2,168 SH   SOLE NONE 2,168 0 0
ALTRIA GROUP INC COM 02209S103 10,811 206,901 SH   SOLE NONE 206,401 0 500
AMAZON COM INC COM 023135106 720 221 SH   SOLE NONE 221 0 0
AMERICAN EXPRESS CO COM 025816109 1,947 10,411 SH   SOLE NONE 10,411 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 1,142 18,199 SH   SOLE NONE 18,199 0 0
AMGEN INC COM 031162100 6,791 28,082 SH   SOLE NONE 28,082 0 0
APPLE INC COM 037833100 23,643 135,406 SH   SOLE NONE 134,155 0 1,251
ARCOS DORADOS HOLDINGS INC SHS CLASS -A - G0457F107 361 44,393 SH   SOLE NONE 44,393 0 0
AT&T INC COM 00206R102 1,597 67,564 SH   SOLE NONE 67,564 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 868 3,816 SH   SOLE NONE 3,816 0 0
B & G FOODS INC NEW COM 05508R106 949 35,160 SH   SOLE NONE 34,660 0 500
BANK NEW YORK MELLON CORP COM 064058100 3,596 72,450 SH   SOLE NONE 72,150 0 300
BECTON DICKINSON & CO COM 075887109 521 1,957 SH   SOLE NONE 1,957 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 12,349 34,992 SH   SOLE NONE 34,892 0 100
BK OF AMERICA CORP COM 060505104 6,637 161,009 SH   SOLE NONE 160,209 0 800
BLACKROCK INC COM 09247X101 1,288 1,685 SH   SOLE NONE 1,685 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 4,662 63,843 SH   SOLE NONE 63,843 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 205 4,867 SH   SOLE NONE 4,417 0 450
BROADCOM INC COM 11135F101 709 1,126 SH   SOLE NONE 975 0 151
CANADIAN PAC RY LTD COM 13645T100 297 3,595 SH   SOLE NONE 3,595 0 0
CANNAE HLDGS INC COM 13765N107 4,037 168,771 SH   SOLE NONE 168,771 0 0
CARDINAL HEALTH INC COM 14149Y108 706 12,450 SH   SOLE NONE 12,450 0 0
CHEVRON CORP NEW COM 166764100 6,894 42,336 SH   SOLE NONE 42,336 0 0
CISCO SYS INC COM 17275R102 9,426 169,052 SH   SOLE NONE 168,352 0 700
CITIGROUP INC COM NEW 172967424 5,643 105,679 SH   SOLE NONE 105,129 0 550
CME GROUP INC COM 12572Q105 5,451 22,919 SH   SOLE NONE 22,919 0 0
COCA COLA CO COM 191216100 743 11,978 SH   SOLE NONE 11,978 0 0
COMCAST CORP NEW CL A 20030N101 1,218 26,014 SH   SOLE NONE 26,014 0 0
COMMSCOPE HLDG CO INC COM 20337X109 80 10,200 SH   SOLE NONE 10,200 0 0
CONOCOPHILLIPS COM 20825C104 211 2,106 SH   SOLE NONE 2,106 0 0
COSTCO WHSL CORP NEW COM 22160K105 3,367 5,847 SH   SOLE NONE 5,847 0 0
CUMMINS INC COM 231021106 868 4,233 SH   SOLE NONE 4,233 0 0
CVS HEALTH CORP COM 126650100 4,390 43,377 SH   SOLE NONE 43,377 0 0
D R HORTON INC COM 23331A109 3,159 42,395 SH   SOLE NONE 42,345 0 50
DANAHER CORPORATION COM 235851102 1,160 3,956 SH   SOLE NONE 3,956 0 0
DAVITA INC COM 23918K108 4,769 42,165 SH   SOLE NONE 42,165 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 1,173 29,650 SH   SOLE NONE 29,500 0 150
DIAGEO PLC SPON ADR NEW 25243Q205 515 2,537 SH   SOLE NONE 2,537 0 0
DISNEY WALT CO COM 254687106 824 6,006 SH   SOLE NONE 6,006 0 0
EATON CORP PLC SHS G29183103 629 4,143 SH   SOLE NONE 4,143 0 0
EBAY INC. COM 278642103 2,704 47,225 SH   SOLE NONE 47,225 0 0
EMERSON ELEC CO COM 291011104 2,998 30,575 SH   SOLE NONE 29,922 0 654
EXXON MOBIL CORP COM 30231G102 36,627 443,482 SH   SOLE NONE 443,182 0 300
FEDERATED HERMES INC CL B 314211103 921 27,033 SH   SOLE NONE 26,333 0 700
GENERAL ELECTRIC CO COM NEW 369604301 4,436 48,483 SH   SOLE NONE 48,483 0 0
GENIUS SPORTS LIMITED SHARES CL A G3934V109 607 131,970 SH   SOLE NONE 131,970 0 0
GOODRX HLDGS INC COM CL A 38246G108 2,722 140,810 SH   SOLE NONE 140,810 0 0
GRAINGER W W INC COM 384802104 516 1,000 SH   SOLE NONE 1,000 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 519 31,085 SH   SOLE NONE 31,085 0 0
HP INC COM 40434L105 1,935 53,300 SH   SOLE NONE 53,300 0 0
HUBBELL INC COM 443510607 1,139 6,200 SH   SOLE NONE 6,200 0 0
ILLINOIS TOOL WKS INC COM 452308109 482 2,300 SH   SOLE NONE 2,300 0 0
INTEL CORP COM 458140100 2,669 53,850 SH   SOLE NONE 53,550 0 300
INTERNATIONAL BUSINESS MACHS COM 459200101 1,174 9,033 SH   SOLE NONE 8,933 0 100
INTERNATIONAL PAPER CO COM 460146103 312 6,759 SH   SOLE NONE 6,759 0 0
INTUIT COM 461202103 1,841 3,828 SH   SOLE NONE 3,828 0 0
ISHARES GOLD TR ISHARES NEW 464285204 308 8,365 SH   SOLE NONE 8,365 0 0
ISHARES INC CORE MSCI EMKT 46434G103 343 6,182 SH   SOLE NONE 6,182 0 0
ISHARES TR CORE S&P SCP ETF 464287804 296 2,740 SH   SOLE NONE 2,740 0 0
ISHARES TR CORE S&P500 ETF 464287200 712 1,570 SH   SOLE NONE 1,570 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 262 1,276 SH   SOLE NONE 1,276 0 0
ISHARES TR MSCI EAFE ETF 464287465 250 3,390 SH   SOLE NONE 3,390 0 0
ISHARES TR CORE MSCI EAFE 46432F842 417 6,000 SH   SOLE NONE 6,000 0 0
JOHNSON & JOHNSON COM 478160104 3,302 18,629 SH   SOLE NONE 18,629 0 0
JPMORGAN CHASE & CO COM 46625H100 8,239 60,438 SH   SOLE NONE 59,634 0 803
KIMBERLY-CLARK CORP COM 494368103 255 2,069 SH   SOLE NONE 2,069 0 0
KINDER MORGAN INC DEL COM 49456B101 2,004 105,986 SH   SOLE NONE 105,086 0 900
LABORATORY CORP AMER HLDGS COM NEW 50540R409 4,373 16,587 SH   SOLE NONE 16,587 0 0
LKQ CORP COM 501889208 6,377 140,436 SH   SOLE NONE 140,336 0 100
LOCKHEED MARTIN CORP COM 539830109 1,410 3,194 SH   SOLE NONE 3,169 0 25
LOWES COS INC COM 548661107 751 3,712 SH   SOLE NONE 3,712 0 0
M D C HLDGS INC COM 552676108 3,243 85,714 SH   SOLE NONE 85,444 0 270
MASTERCARD INCORPORATED CL A 57636Q104 2,021 5,655 SH   SOLE NONE 5,655 0 0
MCDONALDS CORP COM 580135101 302 1,220 SH   SOLE NONE 1,220 0 0
MCKESSON CORP COM 58155Q103 9,720 31,750 SH   SOLE NONE 31,750 0 0
MERCK & CO INC COM 58933Y105 6,677 81,371 SH   SOLE NONE 81,171 0 200
META PLATFORMS INC CL A 30303M102 318 1,430 SH   SOLE NONE 1,430 0 0
MICROSOFT CORP COM 594918104 13,413 43,504 SH   SOLE NONE 43,504 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 3,415 63,983 SH   SOLE NONE 63,783 0 200
NEWMARKET CORP COM 651587107 561 1,730 SH   SOLE NONE 1,730 0 0
NEWMONT CORP COM 651639106 3,167 39,865 SH   SOLE NONE 39,665 0 200
NEXTERA ENERGY INC COM 65339F101 268 3,169 SH   SOLE NONE 3,169 0 0
NORFOLK SOUTHN CORP COM 655844108 2,282 8,000 SH   SOLE NONE 8,000 0 0
NOVARTIS AG SPONSORED ADR 66987V109 314 3,576 SH   SOLE NONE 3,576 0 0
OLD REP INTL CORP COM 680223104 425 16,423 SH   SOLE NONE 16,423 0 0
OMNICOM GROUP INC COM 681919106 399 4,700 SH   SOLE NONE 4,700 0 0
ORACLE CORP COM 68389X105 2,337 28,252 SH   SOLE NONE 28,252 0 0
PAYPAL HLDGS INC COM 70450Y103 1,510 13,056 SH   SOLE NONE 13,056 0 0
PAYSAFE LIMITED ORD G6964L107 349 102,975 SH   SOLE NONE 102,975 0 0
PAYSAFE LIMITED *W EXP 03/30/202 G6964L115 166 316,271 SH   SOLE NONE 316,271 0 0
PEPSICO INC COM 713448108 2,730 16,313 SH   SOLE NONE 16,213 0 100
PETMED EXPRESS INC COM 716382106 2,285 88,580 SH   SOLE NONE 88,580 0 0
PFIZER INC COM 717081103 4,487 86,675 SH   SOLE NONE 86,075 0 600
PHILIP MORRIS INTL INC COM 718172109 834 8,880 SH   SOLE NONE 8,880 0 0
PHILLIPS 66 COM 718546104 443 5,127 SH   SOLE NONE 5,127 0 0
PRICE T ROWE GROUP INC COM 74144T108 3,795 25,100 SH   SOLE NONE 25,100 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 295 4,018 SH   SOLE NONE 4,018 0 0
PROCTER AND GAMBLE CO COM 742718109 2,428 15,893 SH   SOLE NONE 15,893 0 0
PROGRESSIVE CORP COM 743315103 495 4,343 SH   SOLE NONE 4,343 0 0
PULTE GROUP INC COM 745867101 2,263 54,013 SH   SOLE NONE 54,013 0 0
QUALCOMM INC COM 747525103 8,452 55,306 SH   SOLE NONE 54,804 0 502
RAYTHEON TECHNOLOGIES CORP COM 75513E101 208 2,100 SH   SOLE NONE 2,100 0 0
REPUBLIC SVCS INC COM 760759100 205 1,547 SH   SOLE NONE 1,547 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 9,472 105,361 SH   SOLE NONE 104,961 0 400
SENSATA TECHNOLOGIES HLDG PL SHS G8060N102 4,359 85,725 SH   SOLE NONE 85,725 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 6,711 65,342 SH   SOLE NONE 65,342 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,575 8,718 SH   SOLE NONE 8,718 0 0
STORE CAP CORP COM 862121100 4,288 146,691 SH   SOLE NONE 146,241 0 450
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 1,261 78,300 SH   SOLE NONE 78,300 0 0
SUNCOR ENERGY INC NEW COM 867224107 3,774 115,795 SH   SOLE NONE 115,395 0 400
TANGER FACTORY OUTLET CTRS I COM 875465106 3,809 221,568 SH   SOLE NONE 220,768 0 800
TARGET CORP COM 87612E106 3,272 15,416 SH   SOLE NONE 15,316 0 100
THERMO FISHER SCIENTIFIC INC COM 883556102 354 600 SH   SOLE NONE 600 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 866 10,900 SH   SOLE NONE 10,900 0 0
TRAVELERS COMPANIES INC COM 89417E109 640 3,500 SH   SOLE NONE 3,500 0 0
UNILEVER PLC SPON ADR NEW 904767704 2,717 59,616 SH   SOLE NONE 59,366 0 250
UNION PAC CORP COM 907818108 5,191 18,999 SH   SOLE NONE 18,899 0 100
UNITED PARCEL SERVICE INC CL B 911312106 4,415 20,587 SH   SOLE NONE 20,134 0 453
US BANCORP DEL COM NEW 902973304 4,374 82,300 SH   SOLE NONE 82,000 0 300
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,463 3,524 SH   SOLE NONE 3,524 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,269 64,164 SH   SOLE NONE 63,764 0 400
VERTIV HOLDINGS CO COM CL A 92537N108 3,703 264,500 SH   SOLE NONE 264,500 0 0
VIZIO HLDG CORP CL A COM 92858V101 491 55,200 SH   SOLE NONE 55,200 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 2,965 66,238 SH   SOLE NONE 65,938 0 300
WALMART INC COM 931142103 1,080 7,250 SH   SOLE NONE 7,250 0 0
WARBY PARKER INC CL A COM 93403J106 676 20,000 SH   SOLE NONE 20,000 0 0
WASTE MGMT INC DEL COM 94106L109 7,038 44,407 SH   SOLE NONE 44,407 0 0
WHEATON PRECIOUS METALS CORP COM 962879102 1,681 35,320 SH   SOLE NONE 35,220 0 100
ZOETIS INC CL A 98978V103 312 1,655 SH   SOLE NONE 1,655 0 0