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 517 3,994 SH   SOLE NONE 3,919 0 75
ABBOTT LABS COM 002824100 593 5,455 SH   SOLE NONE 5,455 0 0
ABBVIE INC COM 00287Y109 4,484 29,278 SH   SOLE NONE 29,028 0 250
AFLAC INC COM 001055102 492 8,900 SH   SOLE NONE 8,900 0 0
AIR PRODS & CHEMS INC COM 009158106 228 947 SH   SOLE NONE 947 0 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 400 3,520 SH   SOLE NONE 3,520 0 0
ALPHABET INC CAP STK CL A 02079K305 2,576 1,182 SH   SOLE NONE 1,182 0 0
ALPHABET INC CAP STK CL C 02079K107 4,959 2,267 SH   SOLE NONE 2,267 0 0
ALTRIA GROUP INC COM 02209S103 8,771 209,994 SH   SOLE NONE 209,494 0 500
AMAZON COM INC COM 023135106 586 5,520 SH   SOLE NONE 5,520 0 0
AMERICAN EXPRESS CO COM 025816109 1,471 10,614 SH   SOLE NONE 10,614 0 0
AMERICAN INTL GROUP INC COM NEW 026874784 828 16,199 SH   SOLE NONE 16,199 0 0
AMGEN INC COM 031162100 6,834 28,088 SH   SOLE NONE 28,088 0 0
APPLE INC COM 037833100 18,486 135,210 SH   SOLE NONE 134,158 0 1,053
ARCOS DORADOS HOLDINGS INC SHS CLASS -A - G0457F107 224 33,295 SH   SOLE NONE 33,295 0 0
AT&T INC COM 00206R102 1,418 67,633 SH   SOLE NONE 67,633 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 802 3,819 SH   SOLE NONE 3,819 0 0
B & G FOODS INC NEW COM 05508R106 658 27,660 SH   SOLE NONE 27,160 0 500
BANK NEW YORK MELLON CORP COM 064058100 3,022 72,450 SH   SOLE NONE 72,150 0 300
BECTON DICKINSON & CO COM 075887109 483 1,959 SH   SOLE NONE 1,959 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 9,664 35,398 SH   SOLE NONE 35,298 0 100
BK OF AMERICA CORP COM 060505104 4,994 160,422 SH   SOLE NONE 159,622 0 800
BLACKROCK INC COM 09247X101 1,026 1,685 SH   SOLE NONE 1,685 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 4,916 63,843 SH   SOLE NONE 63,843 0 0
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 209 4,867 SH   SOLE NONE 4,417 0 450
BROADCOM INC COM 11135F101 548 1,128 SH   SOLE NONE 976 0 152
CANADIAN PAC RY LTD COM 13645T100 251 3,595 SH   SOLE NONE 3,595 0 0
CANNAE HLDGS INC COM 13765N107 3,256 168,371 SH   SOLE NONE 168,371 0 0
CARDINAL HEALTH INC COM 14149Y108 651 12,450 SH   SOLE NONE 12,450 0 0
CHEVRON CORP NEW COM 166764100 6,275 43,344 SH   SOLE NONE 43,344 0 0
CISCO SYS INC COM 17275R102 7,399 173,522 SH   SOLE NONE 172,972 0 550
CITIGROUP INC COM NEW 172967424 4,900 106,549 SH   SOLE NONE 106,249 0 300
CME GROUP INC COM 12572Q105 4,722 23,069 SH   SOLE NONE 23,069 0 0
COCA COLA CO COM 191216100 754 11,991 SH   SOLE NONE 11,991 0 0
COMCAST CORP NEW CL A 20030N101 901 22,952 SH   SOLE NONE 22,952 0 0
COSTCO WHSL CORP NEW COM 22160K105 2,802 5,847 SH   SOLE NONE 5,847 0 0
CUMMINS INC COM 231021106 819 4,233 SH   SOLE NONE 4,233 0 0
CVS HEALTH CORP COM 126650100 3,054 32,960 SH   SOLE NONE 32,960 0 0
D R HORTON INC COM 23331A109 3,829 57,845 SH   SOLE NONE 57,845 0 0
DANAHER CORPORATION COM 235851102 1,003 3,956 SH   SOLE NONE 3,956 0 0
DAVITA INC COM 23918K108 3,717 46,490 SH   SOLE NONE 46,490 0 0
DELTA AIR LINES INC DEL COM NEW 247361702 565 19,500 SH   SOLE NONE 19,500 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 442 2,537 SH   SOLE NONE 2,537 0 0
DISNEY WALT CO COM 254687106 567 6,006 SH   SOLE NONE 6,006 0 0
EATON CORP PLC SHS G29183103 524 4,158 SH   SOLE NONE 4,158 0 0
EBAY INC. COM 278642103 1,968 47,225 SH   SOLE NONE 47,225 0 0
EMERSON ELEC CO COM 291011104 2,434 30,597 SH   SOLE NONE 29,940 0 657
EXXON MOBIL CORP COM 30231G102 35,691 416,760 SH   SOLE NONE 416,460 0 300
FEDERATED HERMES INC CL B 314211103 5,320 167,350 SH   SOLE NONE 166,650 0 700
GENERAL ELECTRIC CO COM NEW 369604301 3,087 48,483 SH   SOLE NONE 48,483 0 0
GENIUS SPORTS LIMITED SHARES CL A G3934V109 260 115,505 SH   SOLE NONE 115,505 0 0
GOODRX HLDGS INC COM CL A 38246G108 754 127,360 SH   SOLE NONE 127,360 0 0
GRAINGER W W INC COM 384802104 454 1,000 SH   SOLE NONE 1,000 0 0
HEWLETT PACKARD ENTERPRISE C COM 42824C109 412 31,085 SH   SOLE NONE 31,085 0 0
HP INC COM 40434L105 1,747 53,300 SH   SOLE NONE 53,300 0 0
HUBBELL INC COM 443510607 1,107 6,200 SH   SOLE NONE 6,200 0 0
ILLINOIS TOOL WKS INC COM 452308109 419 2,300 SH   SOLE NONE 2,300 0 0
INTEL CORP COM 458140100 2,074 55,432 SH   SOLE NONE 55,132 0 300
INTERNATIONAL BUSINESS MACHS COM 459200101 1,275 9,033 SH   SOLE NONE 8,933 0 100
INTERNATIONAL PAPER CO COM 460146103 283 6,775 SH   SOLE NONE 6,775 0 0
INTUIT COM 461202103 1,475 3,828 SH   SOLE NONE 3,828 0 0
ISHARES INC CORE MSCI EMKT 46434G103 346 7,062 SH   SOLE NONE 7,062 0 0
ISHARES TR CORE S&P SCP ETF 464287804 254 2,748 SH   SOLE NONE 2,748 0 0
ISHARES TR CORE S&P500 ETF 464287200 595 1,570 SH   SOLE NONE 1,570 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 216 1,276 SH   SOLE NONE 1,276 0 0
ISHARES TR MSCI EAFE ETF 464287465 212 3,390 SH   SOLE NONE 3,390 0 0
ISHARES TR CORE MSCI EAFE 46432F842 353 6,000 SH   SOLE NONE 6,000 0 0
JOHNSON & JOHNSON COM 478160104 3,307 18,630 SH   SOLE NONE 18,630 0 0
JPMORGAN CHASE & CO COM 46625H100 6,808 60,457 SH   SOLE NONE 59,649 0 808
KIMBERLY-CLARK CORP COM 494368103 281 2,079 SH   SOLE NONE 2,079 0 0
KINDER MORGAN INC DEL COM 49456B101 1,785 106,528 SH   SOLE NONE 105,628 0 900
LABORATORY CORP AMER HLDGS COM NEW 50540R409 3,887 16,587 SH   SOLE NONE 16,587 0 0
LKQ CORP COM 501889208 7,139 145,436 SH   SOLE NONE 145,436 0 0
LOCKHEED MARTIN CORP COM 539830109 1,373 3,194 SH   SOLE NONE 3,169 0 25
LOWES COS INC COM 548661107 648 3,712 SH   SOLE NONE 3,712 0 0
M D C HLDGS INC COM 552676108 2,098 64,942 SH   SOLE NONE 64,672 0 270
MASTERCARD INCORPORATED CL A 57636Q104 1,784 5,655 SH   SOLE NONE 5,655 0 0
MCDONALDS CORP COM 580135101 302 1,225 SH   SOLE NONE 1,225 0 0
MCKESSON CORP COM 58155Q103 9,971 30,565 SH   SOLE NONE 30,565 0 0
MERCK & CO INC COM 58933Y105 7,422 81,413 SH   SOLE NONE 81,213 0 200
META PLATFORMS INC CL A 30303M102 220 1,362 SH   SOLE NONE 1,362 0 0
MICROSOFT CORP COM 594918104 11,153 43,425 SH   SOLE NONE 43,425 0 0
MOLSON COORS BEVERAGE CO CL B 60871R209 3,488 63,990 SH   SOLE NONE 63,790 0 200
NEWMARKET CORP COM 651587107 521 1,730 SH   SOLE NONE 1,730 0 0
NEWMONT CORP COM 651639106 2,426 40,665 SH   SOLE NONE 40,465 0 200
NEXTERA ENERGY INC COM 65339F101 245 3,169 SH   SOLE NONE 3,169 0 0
NORFOLK SOUTHN CORP COM 655844108 1,818 8,000 SH   SOLE NONE 8,000 0 0
NOVARTIS AG SPONSORED ADR 66987V109 302 3,576 SH   SOLE NONE 3,576 0 0
OLD REP INTL CORP COM 680223104 369 16,499 SH   SOLE NONE 16,499 0 0
OMNICOM GROUP INC COM 681919106 299 4,700 SH   SOLE NONE 4,700 0 0
ORACLE CORP COM 68389X105 1,953 27,958 SH   SOLE NONE 27,958 0 0
PAYPAL HLDGS INC COM 70450Y103 922 13,206 SH   SOLE NONE 13,206 0 0
PAYSAFE LIMITED ORD G6964L107 200 102,475 SH   SOLE NONE 102,475 0 0
PAYSAFE LIMITED *W EXP 03/30/202 G6964L115 85 316,271 SH   SOLE NONE 316,271 0 0
PEPSICO INC COM 713448108 2,719 16,316 SH   SOLE NONE 16,216 0 100
PETMED EXPRESS INC COM 716382106 1,763 88,580 SH   SOLE NONE 88,580 0 0
PFIZER INC COM 717081103 4,570 87,162 SH   SOLE NONE 86,562 0 600
PHILIP MORRIS INTL INC COM 718172109 877 8,880 SH   SOLE NONE 8,880 0 0
PHILLIPS 66 COM 718546104 422 5,147 SH   SOLE NONE 5,147 0 0
PRICE T ROWE GROUP INC COM 74144T108 2,852 25,100 SH   SOLE NONE 25,100 0 0
PRINCIPAL FINANCIAL GROUP IN COM 74251V102 242 3,628 SH   SOLE NONE 3,628 0 0
PROCTER AND GAMBLE CO COM 742718109 2,287 15,905 SH   SOLE NONE 15,905 0 0
PROGRESSIVE CORP COM 743315103 505 4,343 SH   SOLE NONE 4,343 0 0
PULTE GROUP INC COM 745867101 2,141 54,013 SH   SOLE NONE 54,013 0 0
QUALCOMM INC COM 747525103 7,066 55,319 SH   SOLE NONE 54,813 0 505
RAYTHEON TECHNOLOGIES CORP COM 75513E101 202 2,103 SH   SOLE NONE 2,103 0 0
REPUBLIC SVCS INC COM 760759100 202 1,547 SH   SOLE NONE 1,547 0 0
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 7,631 106,814 SH   SOLE NONE 106,414 0 400
SENSATA TECHNOLOGIES HLDG PL SHS G8060N102 3,455 83,625 SH   SOLE NONE 83,625 0 0
SONY GROUP CORPORATION SPONSORED ADR 835699307 5,343 65,347 SH   SOLE NONE 65,347 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,368 8,118 SH   SOLE NONE 8,118 0 0
STORE CAP CORP COM 862121100 3,826 146,715 SH   SOLE NONE 146,265 0 450
SUBURBAN PROPANE PARTNERS L UNIT LTD PARTN 864482104 1,195 78,300 SH   SOLE NONE 78,300 0 0
SUNCOR ENERGY INC NEW COM 867224107 3,970 113,195 SH   SOLE NONE 112,795 0 400
TANGER FACTORY OUTLET CTRS I COM 875465106 3,424 240,768 SH   SOLE NONE 239,968 0 800
TARGET CORP COM 87612E106 2,177 15,416 SH   SOLE NONE 15,316 0 100
THERMO FISHER SCIENTIFIC INC COM 883556102 326 600 SH   SOLE NONE 600 0 0
TORONTO DOMINION BK ONT COM NEW 891160509 1,450 22,115 SH   SOLE NONE 21,965 0 150
TRAVELERS COMPANIES INC COM 89417E109 592 3,500 SH   SOLE NONE 3,500 0 0
UNILEVER PLC SPON ADR NEW 904767704 2,733 59,628 SH   SOLE NONE 59,378 0 250
UNION PAC CORP COM 907818108 4,053 19,003 SH   SOLE NONE 18,903 0 100
UNITED PARCEL SERVICE INC CL B 911312106 4,192 22,966 SH   SOLE NONE 22,509 0 457
US BANCORP DEL COM NEW 902973304 3,787 82,300 SH   SOLE NONE 82,000 0 300
VERIZON COMMUNICATIONS INC COM 92343V104 3,260 64,243 SH   SOLE NONE 63,843 0 400
VERTIV HOLDINGS CO COM CL A 92537N108 1,473 179,200 SH   SOLE NONE 179,200 0 0
VIZIO HLDG CORP CL A COM 92858V101 376 55,200 SH   SOLE NONE 55,200 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 2,896 76,418 SH   SOLE NONE 76,118 0 300
WALMART INC COM 931142103 881 7,250 SH   SOLE NONE 7,250 0 0
WARBY PARKER INC CL A COM 93403J106 225 20,000 SH   SOLE NONE 20,000 0 0
WASTE MGMT INC DEL COM 94106L109 6,777 44,303 SH   SOLE NONE 44,303 0 0
WHEATON PRECIOUS METALS CORP COM 962879102 1,485 41,220 SH   SOLE NONE 41,220 0 0
ZOETIS INC CL A 98978V103 284 1,655 SH   SOLE NONE 1,655 0 0