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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories COM 002824100   1,214,936 11,066 SH   SOLE   11,066 0 0
AbbVie Inc. COM 00287Y109   1,855,929 11,484 SH   SOLE   11,484 0 0
Accenture Ltd. SHS CLASS A G1151C101   324,211 1,215 SH   SOLE   1,215 0 0
Aflac Inc COM 001055102   1,500,668 20,860 SH   SOLE   20,860 0 0
Agilent Technologies COM 00846U101   389,240 2,601 SH   SOLE   2,601 0 0
Air Products & Chemicals COM 009158106   378,235 1,227 SH   SOLE   1,227 0 0
Allstate Corporation COM 020002101   280,150 2,066 SH   SOLE   2,066 0 0
Alphabet Inc. Cl. A CAP STK CL A 02079K305   335,098 3,798 SH   SOLE   3,798 0 0
American Express Company COM 025816109   431,135 2,918 SH   SOLE   2,918 0 0
Amgen Incorporated COM 031162100   967,037 3,682 SH   SOLE   3,682 0 0
Amphenol Corp CL A 032095101   258,876 3,400 SH   SOLE   3,400 0 0
Analog Devices COM 032654105   349,876 2,133 SH   SOLE   2,133 0 0
Apple Inc. COM 037833100   2,524,320 19,428 SH   SOLE   19,428 0 0
Applied Materials COM 038222105   274,917 2,823 SH   SOLE   2,823 0 0
Archer-Daniels-Midland Co COM 039483102   1,245,676 13,416 SH   SOLE   13,416 0 0
AT&T Inc. COM 001957109   699,617 38,002 SH   SOLE   38,002 0 0
Automatic Data Processing COM 053015103   452,401 1,894 SH   SOLE   1,894 0 0
Avery Dennison Corp COM 053611109   373,222 2,062 SH   SOLE   2,062 0 0
Bank of America Corp COM 06605F102   1,013,680 30,606 SH   SOLE   30,606 0 0
Berkshire Hathaway Cl. B CL B NEW 084670702   1,052,243 3,406 SH   SOLE   3,406 0 0
Boeing Co COM 097023105   697,564 3,662 SH   SOLE   3,662 0 0
Bristol-Myers Squibb Co COM 110122108   1,206,170 16,764 SH   SOLE   16,764 0 0
Broadcom Inc. COM 11135F101   276,210 494 SH   SOLE   494 0 0
Cardinal Health Inc. COM 14149Y108   205,320 2,671 SH   SOLE   2,671 0 0
Carrier Global Corp. COM 14448C104   277,118 6,718 SH   SOLE   6,718 0 0
Caterpillar Inc COM 149123101   560,331 2,339 SH   SOLE   2,339 0 0
Centerpoint Energy COM 15189T107   260,973 8,702 SH   SOLE   8,702 0 0
Charles Schwab Corp. COM 808513105   620,953 7,458 SH   SOLE   7,458 0 0
Chevron Corporation COM 166764100   2,039,904 11,365 SH   SOLE   11,365 0 0
Cisco Systems Inc. COM 17275R102   732,036 15,366 SH   SOLE   15,366 0 0
Coca-Cola Company COM 191216100   305,936 4,810 SH   SOLE   4,810 0 0
Comcast Corporation Class A CL A 20030N101   343,580 9,825 SH   SOLE   9,825 0 0
ConocoPhillips COM 20825C104   638,970 5,415 SH   SOLE   5,415 0 0
Constellation Brands Cl. A COM 21036P108   547,394 2,362 SH   SOLE   2,362 0 0
Consumer Discretionery SPDR ETF SBI CONS DISCR 81369Y407   432,686 3,350 SH   SOLE   3,350 0 0
Corteva Inc. COM 22052L104   219,955 3,742 SH   SOLE   3,742 0 0
CVS Health Corp. COM 126650100   610,674 6,553 SH   SOLE   6,553 0 0
Deere & Co. COM 244199105   538,523 1,256 SH   SOLE   1,256 0 0
Disney (Walt) Co COM 254687106   474,712 5,464 SH   SOLE   5,464 0 0
Dominion Energy Inc. COM 25746U109   265,025 4,322 SH   SOLE   4,322 0 0
Dow Inc. COM 260557103   280,924 5,575 SH   SOLE   5,575 0 0
DuPont de Nemours Inc. COM 26614N102   221,949 3,234 SH   SOLE   3,234 0 0
Eaton Corp. SHS G29183103   214,708 1,368 SH   SOLE   1,368 0 0
Equifax Inc. COM 294429105   511,750 2,633 SH   SOLE   2,633 0 0
Exxon Mobil Corporation COM 30231G102   1,378,088 12,494 SH   SOLE   12,494 0 0
General Dynamics Corp. COM 369550108   223,795 902 SH   SOLE   902 0 0
General Electric Company COM 369604103   745,396 8,896 SH   SOLE   8,896 0 0
Global Payments Inc. COM 37940X102   268,363 2,702 SH   SOLE   2,702 0 0
Goldman Sachs COM 38141G104   512,323 1,492 SH   SOLE   1,492 0 0
Goodyear Tire & Rubber Co COM 382550101   117,090 11,536 SH   SOLE   11,536 0 0
Hanes Brands COM 410345102   88,697 13,946 SH   SOLE   13,946 0 0
Hewlett Packard Enterprises COM 42824C109   720,291 45,131 SH   SOLE   45,131 0 0
Hexcel Corp. COM 428291108   237,460 4,035 SH   SOLE   4,035 0 0
Home Depot COM 437076102   2,247,872 7,117 SH   SOLE   7,117 0 0
Honeywell International Inc. COM 438516106   802,125 3,743 SH   SOLE   3,743 0 0
HP Inc. COM 40434L105   1,179,969 43,914 SH   SOLE   43,914 0 0
Illinois Tool Works COM 452308109   792,199 3,596 SH   SOLE   3,596 0 0
Intel Corp COM 458140100   1,347,471 50,983 SH   SOLE   50,983 0 0
International Business Machines COM 459200101   1,055,689 7,493 SH   SOLE   7,493 0 0
International Flavors and Fragrances COM 459506101   309,907 2,956 SH   SOLE   2,956 0 0
Invesco QQQ Trust UNIT SER 1 46090E103   435,225 1,634 SH   SOLE   1,634 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507   467,002 1,931 SH   SOLE   1,931 0 0
iShares Dow Jones U.S. Healthcare Sector Index US HLTHCARE ETF 464287762   371,531 1,310 SH   SOLE   1,310 0 0
iShares MSCI EAFE Growth Index EAFE GRWTH ETF 464288885   363,267 4,337 SH   SOLE   4,337 0 0
IShares MSCI EAFE Index MSCI EAFE ETF 464287465   1,371,837 20,899 SH   SOLE   20,899 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273   393,383 6,965 SH   SOLE   6,965 0 0
iShares MSCI Emerging Markets ex-China MSCI EMRG CHN 46434G764   228,188 4,807 SH   SOLE   4,807 0 0
iShares Russell 2000 Growth Index RUS 2000 GRW ETF 464287648   363,397 1,694 SH   SOLE   1,694 0 0
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655   1,680,488 9,638 SH   SOLE   9,638 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200   935,167 2,434 SH   SOLE   2,434 0 0
Johnson & Johnson COM 478160104   1,622,170 9,183 SH   SOLE   9,183 0 0
JP Morgan Chase & Co. COM 46625H100   3,787,923 28,247 SH   SOLE   28,247 0 0
Kellogg Company COM 487836108   409,701 5,751 SH   SOLE   5,751 0 0
Kemper Corporation COM 488401100   344,892 7,010 SH   SOLE   7,010 0 0
Keysight Technologies COM 49338L103   309,979 1,812 SH   SOLE   1,812 0 0
Kimberly-Clark Corp COM 494368103   1,371,296 10,102 SH   SOLE   10,102 0 0
L3Harris Technologies Inc. COM 502431109   638,788 3,068 SH   SOLE   3,068 0 0
Liberty Formula One Group COM SER A FRMLA 531229870   313,367 5,865 SH   SOLE   5,865 0 0
Lilly (Eli) & C. COM 532457108   571,808 1,563 SH   SOLE   1,563 0 0
Lowes Co Inc COM 548661107   236,789 1,188 SH   SOLE   1,188 0 0
Marathon Petroleum Corp. COM 56585A102   619,428 5,322 SH   SOLE   5,322 0 0
McDonalds Corp COM 580135101   1,242,280 4,714 SH   SOLE   4,714 0 0
McKesson Corporation COM 58155Q103   548,050 1,461 SH   SOLE   1,461 0 0
Medtronic Inc COM 585055106   415,025 5,340 SH   SOLE   5,340 0 0
Merck & Company Inc COM 58933Y105   966,649 8,712 SH   SOLE   8,712 0 0
Microsoft Corp COM 594918104   3,857,025 16,083 SH   SOLE   16,083 0 0
Motorola Solutions Inc. COM 620076307   316,726 1,229 SH   SOLE   1,229 0 0
NextEra Energy COM 65339F101   444,167 5,313 SH   SOLE   5,313 0 0
Norfolk Southern Corp COM 655844108   1,029,789 4,179 SH   SOLE   4,179 0 0
Northrop Grumman Corp COM 666807102   1,467,691 2,690 SH   SOLE   2,690 0 0
Occidental Petroleum COM 674599105   420,773 6,680 SH   SOLE   6,680 0 0
Oracle Corporation COM 68389X105   220,208 2,694 SH   SOLE   2,694 0 0
Pepsico Inc. COM 713448108   3,029,248 16,768 SH   SOLE   16,768 0 0
Pfizer Inc. COM 717081103   2,519,310 49,167 SH   SOLE   49,167 0 0
PG&E Corp COM 69331C108   208,762 12,839 SH   SOLE   12,839 0 0
Phillips 66 COM 718546104   365,217 3,509 SH   SOLE   3,509 0 0
Procter & Gamble Co. COM 742718109   1,485,700 9,803 SH   SOLE   9,803 0 0
QUALCOMM Inc. COM 747525103   607,548 5,526 SH   SOLE   5,526 0 0
Raytheon Technologies Corp. COM 75513E101   1,357,071 13,447 SH   SOLE   13,447 0 0
Reliance Steel & &Aluminum Co. COM 759509102   560,961 2,771 SH   SOLE   2,771 0 0
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706   863,505 36,481 SH   SOLE   36,481 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805   6,021,982 186,960 SH   SOLE   186,960 0 0
Schwab U.S. Large-Cap ETF US LRG CAP ETF 808524201   21,618,046 478,805 SH   SOLE   478,805 0 0
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300   1,592,683 28,666 SH   SOLE   28,666 0 0
Schwab U.S. Large-Cap Value ETF US LCAP VA ETF 808524409   810,858 12,282 SH   SOLE   12,282 0 0
Schwab U.S. Mid-Cap ETF US MID-CAP ETF 808524508   1,494,661 22,781 SH   SOLE   22,781 0 0
Schwab U.S. Small-Cap ETF US SML CAP ETF 808524607   6,289,664 155,262 SH   SOLE   155,262 0 0
Southern Company COM 842587107   261,575 3,663 SH   SOLE   3,663 0 0
SPDR Dow Jones Industrial Avg. ETF UT SER 1 78467X109   375,442 1,133 SH   SOLE   1,133 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   384,624 1,006 SH   SOLE   1,006 0 0
Stryker Corp. COM 863667101   364,290 1,490 SH   SOLE   1,490 0 0
Sysco Corp. COM 871829107   222,852 2,915 SH   SOLE   2,915 0 0
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803   561,224 4,510 SH   SOLE   4,510 0 0
Texas Instruments, Inc. COM 882508104   726,472 4,397 SH   SOLE   4,397 0 0
TJX Companies COM 872540109   411,850 5,174 SH   SOLE   5,174 0 0
Travelers Companies COM 89417E109   350,231 1,868 SH   SOLE   1,868 0 0
Union Pacific Corp. COM 907818108   284,100 1,372 SH   SOLE   1,372 0 0
UnitedHealth Group Inc. COM 910581107   7,297,130 13,763 SH   SOLE   13,763 0 0
Valero Energy Corp. COM 91913Y100   207,162 1,633 SH   SOLE   1,633 0 0
Vanguard Communication Services ETF COMM SRVC ETF 92204A884   370,783 4,508 SH   SOLE   4,508 0 0
Vanguard Energy Sector ETF ENERGY ETF 92204A306   1,275,502 10,517 SH   SOLE   10,517 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858   239,229 5,700 SH   SOLE   5,700 0 0
Vanguard Growth ETF GROWTH ETF 922908736   454,760 2,134 SH   SOLE   2,134 0 0
Vanguard Health Care Sector ETF HEALTH CAR ETF 92204A504   431,607 1,740 SH   SOLE   1,740 0 0
Vanguard Industrial Sector ETF INDUSTRIAL ETF 92204A603   209,488 1,147 SH   SOLE   1,147 0 0
Vanguard Large Cap ETF LARGE CAP ETF 922908637   477,308 2,740 SH   SOLE   2,740 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629   374,752 1,839 SH   SOLE   1,839 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611   317,360 1,998 SH   SOLE   1,998 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595   412,110 2,055 SH   SOLE   2,055 0 0
Verizon Communications COM 92343V104   905,727 22,988 SH   SOLE   22,988 0 0
Viatris Inc. COM 92556V106   473,136 42,510 SH   SOLE   42,510 0 0
Walgreens Boots Alliance, Inc. COM 931427108   324,883 8,696 SH   SOLE   8,696 0 0
Wal-Mart Stores Inc COM 931142103   562,514 3,967 SH   SOLE   3,967 0 0
Wells Fargo COM 949746101   423,924 10,267 SH   SOLE   10,267 0 0
Weyerhaeuser Corp. COM NEW 962166104   266,600 8,600 SH   SOLE   8,600 0 0
White Mountain Insurance Group Ltd. COM G9618E107   330,953 234 SH   SOLE   234 0 0