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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABORATORIES COM 002824100   4,606 42,257 SH   SOLE   40,572 0 1,685
ABBVIE INC COM 00287Y109   2,131 15,823 SH   SOLE   15,382 0 441
ACCENTURE PLC IRELAND SHARES CLASS A SHS CLASS A G1151C101   2,402 7,784 SH   SOLE   7,315 0 469
AIR PRODUCTS & CHEMICALS INC COM 009158106   374 1,250 SH   SOLE   1,250 0 0
ALPHABET INC NON VOTING CAP STK CL C CAP STK CL C 02079K107   372 3,080 SH   SOLE   2,920 0 160
ALPHABET INC VOTING CAP STK CL A CAP STK CL A 02079K305   3,504 29,281 SH   SOLE   27,541 0 1,740
ALTRIA GROUP INC COM 02209S103   532 11,764 SH   SOLE   11,764 0 0
AMAZON COM INC COM 023135106   2,382 18,276 SH   SOLE   16,953 0 1,323
AMERICAN TOWER CORP REIT COM 03027X100   3,714 19,154 SH   SOLE   18,106 0 1,048
AMGEN INC COM 031162100   1,538 6,928 SH   SOLE   6,598 0 330
ANALOG DEVICES INC COM 032654105   1,933 9,927 SH   SOLE   9,495 0 432
APPLE INC COM 037833100   22,377 115,368 SH   SOLE   111,332 0 4,036
ARCH CAP GROUP LTD ORD G0450A105   623 8,336 SH   SOLE   7,874 0 462
ARES CAPITAL CORP COM 04010L103   1,032 54,969 SH   SOLE   53,026 0 1,943
ARK ETF TR ETF GENOMIC REVOLUTION MULTI SECTOR ETF GENOMIC REV ETF 00214Q302   543 15,930 SH   SOLE   14,933 0 997
AUTOMATIC DATA PROCESSING COM 053015103   290 1,323 SH   SOLE   1,323 0 0
BERKSHIRE HATHAWAY INC SERIES B NEW CL B New 084670702   1,788 5,245 SH   SOLE   5,245 0 0
BLACKROCK INC COM 09247X101   2,474 3,579 SH   SOLE   3,307 0 272
BLACKSTONE GROUP INC COM COM 09260D107   703 7,569 SH   SOLE   5,305 0 2,264
BOEING CO COM 097023105   268 1,272 SH   SOLE   754 0 518
BROADCOM INC COM 11135F101   484 558 SH   SOLE   536 0 22
C H ROBINSON WORLDWIDE INC COM NEW 12541W209   283 3,000 SH   SOLE   3,000 0 0
CAPITAL GRP GLOBAL ETF GROWTH EQUITY SHS CREATION UNIT SHS CREATION UNI 14020X104   449 18,510 SH   SOLE   18,510 0 0
CAPITAL GRP GROWTH ETF SHS CREATION UNIT SHS CREATION UNI 14020G101   425 16,864 SH   SOLE   16,864 0 0
CAPITAL GRP INTL ETF FOCUS EQUITY SHS CREATION UNIT SHS CREATION UNI 14019W109   2,791 118,674 SH   SOLE   113,003 0 5,671
CHEVRON CORPORATION COM 166764100   1,853 11,781 SH   SOLE   11,387 0 394
CHOICE HOTELS INTL INC COM 169905106   337 2,868 SH   SOLE   2,868 0 0
CHUBB LTD COM H1467J104   2,126 11,043 SH   SOLE   10,333 0 710
CISCO SYSTEMS INC COM 17275R102   3,194 61,743 SH   SOLE   59,519 0 2,224
COCA-COLA COMPANY COM 191216100   210 3,489 SH   SOLE   3,489 0 0
COMCAST CORP NEW CL A CL A 20030N101   1,756 42,270 SH   SOLE   40,457 0 1,813
COPART INC COM 217204106   240 2,636 SH   SOLE   2,636 0 0
COSTAR GROUP INC COM 22160N109   385 4,330 SH   SOLE   0 0 4,330
COSTCO WHSL CORP NEW COM COM 22160K105   530 985 SH   SOLE   985 0 0
CVS HEALTH CORPORATION COM 126650100   339 4,913 SH   SOLE   4,513 0 400
DANAHER CORP COM 235851102   813 3,391 SH   SOLE   3,391 0 0
DEERE & CO COM 244199105   572 1,412 SH   SOLE   1,234 0 178
DISNEY WALT COMPANY COM 254687106   2,372 26,568 SH   SOLE   24,936 0 1,632
DOCUSIGN INC COM 256163106   277 5,424 SH   SOLE   4,934 0 490
DOMINION ENERGY INC COM 25746U109   384 7,418 SH   SOLE   7,221 0 197
DOW INC COM 260557103   395 7,419 SH   SOLE   6,626 0 793
ENERGY SELECT ETF SECTOR SPDR ENERGY 81369Y506   460 5,671 SH   SOLE   5,195 0 476
ENTERPRISE PRODUCTS PARTNERS COM 293792107   546 20,739 SH   SOLE   20,739 0 0
EXXON MOBIL CORP COM 30231G102   361 3,366 SH   SOLE   3,251 0 115
FASTENAL CO COM 311900104   494 8,376 SH   SOLE   8,376 0 0
GENL DYNAMICS CORP COM 369550108   1,167 5,427 SH   SOLE   5,144 0 283
GILEAD SCIENCES INC COM 375558103   354 4,602 SH   SOLE   4,127 0 475
HOME DEPOT INC COM 437076102   290 934 SH   SOLE   519 0 415
HONEYWELL INTERNATIONAL INC COM 438516106   202 976 SH   SOLE   976 0 0
I SHARES SILVER TR ETF ISHARES 46428Q109   378 18,139 SH   SOLE   18,139 0 0
INDUSTRIAL SELECT ETF SECTOR SPDR SBI INT-INDS 81369Y704   885 8,254 SH   SOLE   7,951 0 303
INTEL CORP COM 458140100   471 14,109 SH   SOLE   11,519 0 2,590
INTERCONTINENTAL EXCH EXCHANGE COM 45866F104   1,641 14,518 SH   SOLE   13,635 0 883
INTERNATIONAL BUSINESS MACHINE CORP COM 459200101   1,154 8,629 SH   SOLE   7,995 0 634
ISHARES CORE S&P 500 ETF S&P 500 INDEX FD CORE S&P500 ETF 464287200   2,016 4,525 SH   SOLE   4,147 0 378
ISHARES CORE S&P MID ETF ETF CORE S&P MCP ETF 464287507   1,297 4,962 SH   SOLE   4,624 0 338
ISHARES EDGE MSCI ETF USA QUALITY FACTOR ETF MSCI USA QLT FCT 46432F339   412 3,060 SH   SOLE   3,060 0 0
ISHARES ETF RUSSELL 2000 RUSSELL 2000 ETF 464287655   945 5,046 SH   SOLE   4,699 0 347
ISHARES ETF U.S. AEROSPACE & DEFENSE US AER DEF ETF 464288760   308 2,642 SH   SOLE   2,438 0 204
ISHARES EUROPE ETF EUROPE ETF 464287861   355 7,032 SH   SOLE   7,032 0 0
ISHARES MSCI EAFE IN ETF MSCI EAFE ETF 464287465   373 5,155 SH   SOLE   5,155 0 0
ISHARES MSCI ETF EUROZONE MSCI EURZONE ETF 464286608   408 8,905 SH   SOLE   8,905 0 0
ISHARES S&P 500 ETF GROWTH S&P 500 GRWT ETF 464287309   444 6,313 SH   SOLE   6,313 0 0
ISHARES S&P500 VALUE ETF S&P 500 VAL ETF 464287408   423 2,628 SH   SOLE   2,628 0 0
JOHNSON & JOHNSON COM 478160104   2,905 17,552 SH   SOLE   16,482 0 1,070
JPMORGAN CHASE & CO COM 46625H100   6,326 43,497 SH   SOLE   41,941 0 1,556
JPMORGAN ETF ULTRA-SHORT INCOME ULTRA SHRT INC 46641Q837   1,061 21,170 SH   SOLE   21,170 0 0
KINDER MORGAN INC DEL COM 49456B101   204 11,859 SH   SOLE   10,659 0 1,200
LINDE PLC NEW SHS G54950103   2,349 6,164 SH   SOLE   5,900 0 264
LOWES COMPANIES INC COM 548661107   3,687 16,339 SH   SOLE   15,395 0 944
MASTERCARD INC CL A CL A 57636Q104   1,110 2,823 SH   SOLE   2,675 0 148
MATCH GROUP INC NEW COM 57667L107   257 6,153 SH   SOLE   5,815 0 338
MCDONALDS CORP COM 580135101   868 2,911 SH   SOLE   2,751 0 160
MERCK & CO INC NEW COM 58933Y105   2,564 22,222 SH   SOLE   22,107 0 115
MICROSOFT CORP COM 594918104   12,364 36,309 SH   SOLE   35,361 0 948
NETFLIX.COM INC COM 64110L106   210 479 SH   SOLE   479 0 0
NEXTERA ENERGY INC COM 65339F101   2,303 31,050 SH   SOLE   29,668 0 1,382
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106   296 5,061 SH   SOLE   4,730 0 331
NIKE INC CLASS B CL B 654106103   243 2,204 SH   SOLE   1,976 0 228
NVIDIA CORP COM 67066G104   12,591 29,765 SH   SOLE   29,264 0 501
O'REILLY AUTOMOTIVE INC COM 67103H107   203 213 SH   SOLE   213 0 0
PEPSICO INCORPORATED COM 713448108   1,159 6,259 SH   SOLE   6,259 0 0
PHILIP MORRIS INTERNATIONAL INC COM 718172109   1,691 17,328 SH   SOLE   17,328 0 0
PROCTER & GAMBLE CO COM 742718109   2,877 18,965 SH   SOLE   17,373 0 1,592
PROLOGIS INC COM 74340W103   1,408 11,482 SH   SOLE   10,830 0 652
QUALCOMM INC COM 747525103   2,352 19,761 SH   SOLE   19,522 0 239
RAYTHEON TECHNOLOGIES CORP COM 75513E101   2,066 21,094 SH   SOLE   20,366 0 728
REALTY INCOME CORP REIT COM 756109104   499 8,356 SH   SOLE   7,997 0 359
RESMED INC COM 761152107   648 2,970 SH   SOLE   2,970 0 0
SECTOR SPDR TR ETF TECHNOLOGY SELECT SECTOR TECHNOLOGY 81369Y803   619 3,563 SH   SOLE   3,563 0 0
SIRIUS XM HOLDINGS INC COM 82968B103   78 17,280 SH   SOLE   17,280 0 0
SNOWFLAKE INC CL A CL A 833445109   445 2,530 SH   SOLE   2,433 0 97
SPDR METALS & MINING ETF S&P METALS MNG 78464A755   381 7,506 SH   SOLE   6,880 0 626
SPDR PORTFOLIO ETF S&P 500 VALUE ETF PRTFLO S&P500 VL 78464A508   512 11,870 SH   SOLE   10,932 0 938
SPDR S&P MIDCAP 400 ETF TRUST SERIES N UTSER1 S&PDCRP 78467Y107   202 422 SH   SOLE   422 0 0
STARBUCKS CORP COM 855244109   3,810 38,466 SH   SOLE   36,912 0 1,554
STATE STR CORP COM 857477103   266 3,635 SH   SOLE   3,635 0 0
STRYKER CORP COM 863667101   2,001 6,560 SH   SOLE   6,220 0 340
SYSCO CORPORATION COM 871829107   392 5,293 SH   SOLE   5,293 0 0
TEXAS INSTRUMENTS INC COM 882508104   2,149 11,940 SH   SOLE   11,360 0 580
UNION PACIFIC CORP COM 907818108   210 1,027 SH   SOLE   686 0 341
UNITED BANKSHARES INC W VA COM 909907107   337 11,367 SH   SOLE   11,367 0 0
UNITED PARCEL SERVICE-B CL B 911312106   1,417 7,908 SH   SOLE   7,398 0 510
UNITEDHEALTH GROUP INC COM 91324P102   2,926 6,088 SH   SOLE   5,856 0 232
VANGUARD DIVIDEND ETF APPRECIATION DIV APP ETF 921908844   666 4,101 SH   SOLE   4,101 0 0
VANGUARD FTSE ETF DEVELOPED MARKETS ETF FTSE DEV MKT ETF 921943858   220 4,765 SH   SOLE   4,765 0 0
VANGUARD GROWTH ETF GROWTH ETF 922908736   637 2,254 SH   SOLE   2,254 0 0
VANGUARD HEALTH CARE ETF HEALTH CAR ETF 92204A504   724 2,961 SH   SOLE   2,961 0 0
VANGUARD INTL EQUITY ETF INDEX FDS FTSE EMERGING MKTS ETF FTSE EMR MKT ETF 922042858   1,667 41,001 SH   SOLE   39,112 0 1,889
VANGUARD MID CAP ETF MID CAP ETF 922908629   1,931 8,774 SH   SOLE   8,389 0 385
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751   229 1,154 SH   SOLE   1,079 0 75
VANGUARD TOTAL STOCK ETF MARKET ETF TOTAL STK MKT 922908769   2,764 12,551 SH   SOLE   12,551 0 0
VANGUARD VALUE ETF VALUE ETF 922908744   713 5,020 SH   SOLE   5,020 0 0
VERIZON COMMUNICATIONS COM COM 92343V104   4,932 132,626 SH   SOLE   100,081 0 32,545
VISA INC CLASS A COM CL A 92826C839   389 1,638 SH   SOLE   1,513 0 125
WALMART INC COM 931142103   337 2,146 SH   SOLE   1,506 0 640
WHITE MOUNTAIN INS GRP COM G9618E107   414 298 SH   SOLE   298 0 0
WILLIAMS COMPANIES INC COM 969457100   240 7,381 SH   SOLE   6,578 0 803
WISDOMTREE INTL EQ ETF INCOME FUND ITL HIGH DIV FD 97717W802   373 10,108 SH   SOLE   10,108 0 0
WORLD GOLD TR SPDR ETF GOLD MINISHARES TR NEW SPDR GLD MINIS 98149E303   641 16,830 SH   SOLE   15,443 0 1,387
XYLEM INC COM 98419M100   1,195 10,614 SH   SOLE   9,973 0 641