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
Abbott Laboratories COM 002824100 1,202 11,066 SH   SOLE   11,066 0 0
AbbVie Inc. COM 00287Y109 1,753 11,445 SH   SOLE   11,445 0 0
Accenture Ltd. SHS CLASS A G1151C101 337 1,215 SH   SOLE   1,215 0 0
Aflac Inc COM 001055102 1,165 21,059 SH   SOLE   21,059 0 0
Agilent Technologies COM 00846U101 309 2,601 SH   SOLE   2,601 0 0
Air Products & Chemicals COM 009158106 265 1,104 SH   SOLE   1,104 0 0
Allstate Corporation COM 020002101 271 2,140 SH   SOLE   2,140 0 0
Alphabet Inc. Cl. A CAP STK CL A 02079K305 403 185 SH   SOLE   185 0 0
Alphabet Inc. Cl. C CAP STK CL C 02079K107 217 99 SH   SOLE   99 0 0
American Express Company COM 025816109 411 2,965 SH   SOLE   2,965 0 0
Amgen Incorporated COM 031162100 917 3,767 SH   SOLE   3,767 0 0
Amphenol Corp CL A 032095101 212 3,295 SH   SOLE   3,295 0 0
Analog Devices COM 032654105 303 2,073 SH   SOLE   2,073 0 0
Apple Inc. COM 037833100 2,631 19,246 SH   SOLE   19,246 0 0
Applied Materials COM 038222105 218 2,393 SH   SOLE   2,393 0 0
Archer-Daniels-Midland Co COM 039483102 1,029 13,264 SH   SOLE   13,264 0 0
AT&T Inc. COM 001957109 907 43,269 SH   SOLE   43,269 0 0
Automatic Data Processing COM 053015103 397 1,890 SH   SOLE   1,890 0 0
Avery Dennison Corp COM 053611109 334 2,062 SH   SOLE   2,062 0 0
Bank of America Corp COM 06605F102 956 30,724 SH   SOLE   30,724 0 0
Berkshire Hathaway Cl. B CL B NEW 084670702 935 3,424 SH   SOLE   3,424 0 0
Boeing Co COM 097023105 501 3,667 SH   SOLE   3,667 0 0
Bristol-Myers Squibb Co COM 110122108 1,267 16,459 SH   SOLE   16,459 0 0
Brooklyn Immunotherapeutics Inc. COM 09066L105 18 35,556 SH   SOLE   35,556 0 0
Carrier Global Corp. COM 14448C104 240 6,718 SH   SOLE   6,718 0 0
Caterpillar Inc COM 149123101 400 2,236 SH   SOLE   2,236 0 0
Centerpoint Energy COM 15189T107 257 8,702 SH   SOLE   8,702 0 0
Charles Schwab Corp. COM 808513105 471 7,458 SH   SOLE   7,458 0 0
Chevron Corporation COM 166764100 1,643 11,349 SH   SOLE   11,349 0 0
Cisco Systems Inc. COM 17275R102 638 14,964 SH   SOLE   14,964 0 0
Coca-Cola Company COM 191216100 303 4,810 SH   SOLE   4,810 0 0
Comcast Corporation Class A CL A 20030N101 391 9,955 SH   SOLE   9,955 0 0
ConocoPhillips COM 20825C104 559 6,225 SH   SOLE   6,225 0 0
Constellation Brands Cl. A COM 21036P108 550 2,362 SH   SOLE   2,362 0 0
Consumer Discretionery SPDR ETF SBI CONS DISCR 81369Y407 461 3,350 SH   SOLE   3,350 0 0
Corteva Inc. COM 22052L104 203 3,748 SH   SOLE   3,748 0 0
CVS Health Corp. COM 126650100 609 6,573 SH   SOLE   6,573 0 0
Deere & Co. COM 244199105 366 1,221 SH   SOLE   1,221 0 0
Disney (Walt) Co COM 254687106 514 5,447 SH   SOLE   5,447 0 0
Dominion Energy Inc. COM 25746U109 362 4,535 SH   SOLE   4,535 0 0
Dow Inc. COM 260557103 286 5,540 SH   SOLE   5,540 0 0
Equifax Inc. COM 294429105 458 2,508 SH   SOLE   2,508 0 0
Exxon Mobil Corporation COM 30231G102 1,103 12,881 SH   SOLE   12,881 0 0
General Electric Company COM 369604103 573 8,999 SH   SOLE   8,999 0 0
Global Payments Inc. COM 37940X102 299 2,702 SH   SOLE   2,702 0 0
Goldman Sachs COM 38141G104 443 1,492 SH   SOLE   1,492 0 0
Goodyear Tire & Rubber Co COM 382550101 179 16,678 SH   SOLE   16,678 0 0
Hanes Brands COM 410345102 200 19,394 SH   SOLE   19,394 0 0
Hewlett Packard Enterprises COM 42824C109 599 45,169 SH   SOLE   45,169 0 0
Hexcel Corp. COM 428291108 211 4,030 SH   SOLE   4,030 0 0
Home Depot COM 437076102 1,911 6,968 SH   SOLE   6,968 0 0
Honeywell International Inc. COM 438516106 651 3,743 SH   SOLE   3,743 0 0
HP Inc. COM 40434L105 1,440 43,914 SH   SOLE   43,914 0 0
Illinois Tool Works COM 452308109 621 3,410 SH   SOLE   3,410 0 0
Intel Corp COM 458140100 1,935 51,736 SH   SOLE   51,736 0 0
International Business Machines COM 459200101 1,081 7,657 SH   SOLE   7,657 0 0
International Flavors and Fragrances COM 459506101 352 2,956 SH   SOLE   2,956 0 0
Invesco QQQ Trust UNIT SER 1 46090E103 465 1,660 SH   SOLE   1,660 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 435 1,921 SH   SOLE   1,921 0 0
iShares Dow Jones U.S. Healthcare Sector Index US HLTHCARE ETF 464287762 352 1,310 SH   SOLE   1,310 0 0
iShares MSCI EAFE Growth Index EAFE GRWTH ETF 464288885 349 4,337 SH   SOLE   4,337 0 0
IShares MSCI EAFE Index MSCI EAFE ETF 464287465 1,311 20,979 SH   SOLE   20,979 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273 380 6,965 SH   SOLE   6,965 0 0
iShares MSCI Emerging Markets ex-China MSCI EMRG CHN 46434G764 230 4,807 SH   SOLE   4,807 0 0
iShares Russell 2000 Growth Index RUS 2000 GRW ETF 464287648 349 1,694 SH   SOLE   1,694 0 0
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655 1,632 9,638 SH   SOLE   9,638 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200 741 1,954 SH   SOLE   1,954 0 0
Johnson & Johnson COM 478160104 1,636 9,214 SH   SOLE   9,214 0 0
JP Morgan Chase & Co. COM 46625H100 3,183 28,269 SH   SOLE   28,269 0 0
Kellogg Company COM 487836108 410 5,751 SH   SOLE   5,751 0 0
Kemper Corporation COM 488401100 336 7,010 SH   SOLE   7,010 0 0
Keysight Technologies COM 49338L103 250 1,812 SH   SOLE   1,812 0 0
Kimberly-Clark Corp COM 494368103 1,328 9,825 SH   SOLE   9,825 0 0
L3Harris Technologies Inc. COM 502431109 742 3,068 SH   SOLE   3,068 0 0
Liberty Formula One Group COM SER A FRMLA 531229870 351 6,050 SH   SOLE   6,050 0 0
Lilly (Eli) & C. COM 532457108 582 1,795 SH   SOLE   1,795 0 0
Lowes Co Inc COM 548661107 208 1,188 SH   SOLE   1,188 0 0
Marathon Petroleum Corp. COM 56585A102 439 5,338 SH   SOLE   5,338 0 0
McDonalds Corp COM 580135101 1,208 4,894 SH   SOLE   4,894 0 0
McKesson Corporation COM 58155Q103 486 1,490 SH   SOLE   1,490 0 0
Medtronic Inc COM 585055106 493 5,488 SH   SOLE   5,488 0 0
Merck & Company Inc COM 58933Y105 784 8,602 SH   SOLE   8,602 0 0
Microsoft Corp COM 594918104 4,103 15,975 SH   SOLE   15,975 0 0
Motorola Solutions Inc. COM 620076307 258 1,229 SH   SOLE   1,229 0 0
NextEra Energy COM 65339F101 400 5,163 SH   SOLE   5,163 0 0
Norfolk Southern Corp COM 655844108 950 4,179 SH   SOLE   4,179 0 0
Northrop Grumman Corp COM 666807102 1,287 2,690 SH   SOLE   2,690 0 0
Occidental Petroleum COM 674599105 405 6,880 SH   SOLE   6,880 0 0
Pepsico Inc. COM 713448108 2,757 16,543 SH   SOLE   16,543 0 0
Pfizer Inc. COM 717081103 2,578 49,167 SH   SOLE   49,167 0 0
PG&E Corp COM 69331C108 118 11,850 SH   SOLE   11,850 0 0
Phillips 66 COM 718546104 289 3,523 SH   SOLE   3,523 0 0
Procter & Gamble Co. COM 742718109 1,405 9,772 SH   SOLE   9,772 0 0
QUALCOMM Inc. COM 747525103 707 5,531 SH   SOLE   5,531 0 0
Raytheon Technologies Corp. COM 75513E101 1,248 12,989 SH   SOLE   12,989 0 0
Reliance Steel & &Aluminum Co. COM 759509102 463 2,725 SH   SOLE   2,725 0 0
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706 900 35,472 SH   SOLE   35,472 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 5,592 177,811 SH   SOLE   177,811 0 0
Schwab U.S. Large-Cap ETF US LRG CAP ETF 808524201 20,125 450,630 SH   SOLE   450,630 0 0
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300 1,572 27,109 SH   SOLE   27,109 0 0
Schwab U.S. Large-Cap Value ETF US LCAP VA ETF 808524409 687 11,000 SH   SOLE   11,000 0 0
Schwab U.S. Mid-Cap ETF US MID-CAP ETF 808524508 1,275 20,327 SH   SOLE   20,327 0 0
Schwab U.S. Small-Cap ETF US SML CAP ETF 808524607 5,837 149,714 SH   SOLE   149,714 0 0
Southern Company COM 842587107 261 3,663 SH   SOLE   3,663 0 0
SPDR Dow Jones Industrial Avg. ETF UT SER 1 78467X109 349 1,133 SH   SOLE   1,133 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 379 1,006 SH   SOLE   1,006 0 0
Stryker Corp. COM 863667101 292 1,470 SH   SOLE   1,470 0 0
Sysco Corp. COM 871829107 233 2,745 SH   SOLE   2,745 0 0
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803 573 4,510 SH   SOLE   4,510 0 0
Texas Instruments, Inc. COM 882508104 677 4,407 SH   SOLE   4,407 0 0
TJX Companies COM 872540109 269 4,818 SH   SOLE   4,818 0 0
Travelers Companies COM 89417E109 316 1,868 SH   SOLE   1,868 0 0
Union Pacific Corp. COM 907818108 261 1,222 SH   SOLE   1,222 0 0
UnitedHealth Group Inc. COM 910581107 7,223 14,063 SH   SOLE   14,063 0 0
Vanguard Energy Sector ETF ENERGY ETF 92204A306 1,048 10,537 SH   SOLE   10,537 0 0
Vanguard Growth ETF GROWTH ETF 922908736 411 1,844 SH   SOLE   1,844 0 0
Vanguard Health Care Sector ETF HEALTH CAR ETF 92204A504 366 1,555 SH   SOLE   1,555 0 0
Vanguard Large Cap ETF LARGE CAP ETF 922908637 414 2,400 SH   SOLE   2,400 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629 362 1,839 SH   SOLE   1,839 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611 299 1,998 SH   SOLE   1,998 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 405 2,055 SH   SOLE   2,055 0 0
Verizon Communications COM 92343V104 1,396 27,507 SH   SOLE   27,507 0 0
Viatris Inc. COM 92556V106 448 42,824 SH   SOLE   42,824 0 0
Walgreens Boots Alliance, Inc. COM 931427108 333 8,786 SH   SOLE   8,786 0 0
Wal-Mart Stores Inc COM 931142103 474 3,898 SH   SOLE   3,898 0 0
Warner Bros. Discovery Inc. COM SER A 934423104 155 11,566 SH   SOLE   11,566 0 0
Wells Fargo COM 949746101 401 10,237 SH   SOLE   10,237 0 0
Weyerhaeuser Corp. COM NEW 962166104 301 9,100 SH   SOLE   9,100 0 0
White Mountain Insurance Group Ltd. COM G9618E107 283 227 SH   SOLE   227 0 0