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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories COM 002824100   1,196,822 10,978 SH   SOLE   10,978 0 0
AbbVie Inc. COM 00287Y109   1,543,063 11,453 SH   SOLE   11,453 0 0
Accenture Ltd. SHS CLASS A G1151C101   288,522 935 SH   SOLE   935 0 0
Aflac Inc COM 001055102   1,422,803 20,384 SH   SOLE   20,384 0 0
Agilent Technologies COM 00846U101   318,182 2,646 SH   SOLE   2,646 0 0
Air Products & Chemicals COM 009158106   360,035 1,202 SH   SOLE   1,202 0 0
Allstate Corporation COM 020002101   219,825 2,016 SH   SOLE   2,016 0 0
Alphabet Inc. Cl. A CAP STK CL A 02079K305   515,428 4,306 SH   SOLE   4,306 0 0
Alphabet Inc. Cl. C CAP STK CL C 02079K107   270,126 2,233 SH   SOLE   2,233 0 0
American Express Company COM 025816109   485,147 2,785 SH   SOLE   2,785 0 0
Amgen Incorporated COM 031162100   865,653 3,899 SH   SOLE   3,899 0 0
Amphenol Corp CL A 032095101   288,830 3,400 SH   SOLE   3,400 0 0
Analog Devices COM 032654105   423,322 2,173 SH   SOLE   2,173 0 0
Apple Inc. COM 037833100   3,613,333 18,628 SH   SOLE   18,628 0 0
Applied Materials COM 038222105   405,165 2,803 SH   SOLE   2,803 0 0
Archer-Daniels-Midland Co COM 039483102   1,047,035 13,857 SH   SOLE   13,857 0 0
AT&T Inc. COM 001957109   680,427 42,660 SH   SOLE   42,660 0 0
Automatic Data Processing COM 053015103   416,282 1,894 SH   SOLE   1,894 0 0
Avery Dennison Corp COM 053611109   348,239 2,027 SH   SOLE   2,027 0 0
Bank of America Corp COM 06605F102   879,213 30,645 SH   SOLE   30,645 0 0
Berkshire Hathaway Cl. B CL B NEW 084670702   1,132,263 3,320 SH   SOLE   3,320 0 0
Boeing Co COM 097023105   769,456 3,644 SH   SOLE   3,644 0 0
Bristol-Myers Squibb Co COM 110122108   966,540 15,114 SH   SOLE   15,114 0 0
Broadcom Inc. COM 11135F101   441,522 509 SH   SOLE   509 0 0
Cardinal Health Inc. COM 14149Y108   252,596 2,671 SH   SOLE   2,671 0 0
Carrier Global Corp. COM 14448C104   333,952 6,718 SH   SOLE   6,718 0 0
Caterpillar Inc COM 149123101   567,883 2,308 SH   SOLE   2,308 0 0
Centerpoint Energy COM 15189T107   250,020 8,577 SH   SOLE   8,577 0 0
Charles Schwab Corp. COM 808513105   436,889 7,708 SH   SOLE   7,708 0 0
Chevron Corporation COM 166764100   1,776,796 11,292 SH   SOLE   11,292 0 0
Cisco Systems Inc. COM 17275R102   835,911 16,156 SH   SOLE   16,156 0 0
Coca-Cola Company COM 191216100   272,589 4,527 SH   SOLE   4,527 0 0
Comcast Corporation Class A CL A 20030N101   423,561 10,194 SH   SOLE   10,194 0 0
ConocoPhillips COM 20825C104   554,106 5,348 SH   SOLE   5,348 0 0
Constellation Brands Cl. A COM 21036P108   581,359 2,362 SH   SOLE   2,362 0 0
Consumer Discretionery SPDR ETF SBI CONS DISCR 81369Y407   568,864 3,350 SH   SOLE   3,350 0 0
Corteva Inc. COM 22052L104   214,130 3,737 SH   SOLE   3,737 0 0
CVS Health Corp. COM 126650100   452,318 6,543 SH   SOLE   6,543 0 0
Deere & Co. COM 244199105   559,973 1,382 SH   SOLE   1,382 0 0
Disney (Walt) Co COM 254687106   512,377 5,739 SH   SOLE   5,739 0 0
Dominion Energy Inc. COM 25746U109   231,657 4,473 SH   SOLE   4,473 0 0
Dow Inc. COM 260557103   302,410 5,678 SH   SOLE   5,678 0 0
DuPont de Nemours Inc. COM 26614N102   230,394 3,225 SH   SOLE   3,225 0 0
Eaton Corp. SHS G29183103   275,105 1,368 SH   SOLE   1,368 0 0
Equifax Inc. COM 294429105   619,545 2,633 SH   SOLE   2,633 0 0
Exxon Mobil Corporation COM 30231G102   1,305,233 12,170 SH   SOLE   12,170 0 0
GE Healthcare Technologies Inc. COMMON STOCK 36266G107   245,182 3,018 SH   SOLE   3,018 0 0
General Electric Company COM 369604103   1,013,147 9,223 SH   SOLE   9,223 0 0
Global Payments Inc. COM 37940X102   266,201 2,702 SH   SOLE   2,702 0 0
Goldman Sachs COM 38141G104   479,294 1,486 SH   SOLE   1,486 0 0
Goodyear Tire & Rubber Co COM 382550101   224,735 16,428 SH   SOLE   16,428 0 0
Hanes Brands COM 410345102   88,049 19,394 SH   SOLE   19,394 0 0
Hewlett Packard Enterprises COM 42824C109   746,542 44,437 SH   SOLE   44,437 0 0
Hexcel Corp. COM 428291108   253,223 3,331 SH   SOLE   3,331 0 0
Home Depot COM 437076102   2,229,361 7,177 SH   SOLE   7,177 0 0
Honeywell International Inc. COM 438516106   776,673 3,743 SH   SOLE   3,743 0 0
HP Inc. COM 40434L105   1,335,762 43,496 SH   SOLE   43,496 0 0
Illinois Tool Works COM 452308109   872,558 3,488 SH   SOLE   3,488 0 0
Intel Corp COM 458140100   1,727,565 51,662 SH   SOLE   51,662 0 0
International Business Machines COM 459200101   1,007,188 7,527 SH   SOLE   7,527 0 0
International Flavors and Fragrances COM 459506101   292,652 3,677 SH   SOLE   3,677 0 0
Invesco QQQ Trust UNIT SER 1 46090E103   603,803 1,634 SH   SOLE   1,634 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507   504,823 1,931 SH   SOLE   1,931 0 0
iShares Dow Jones U.S. Healthcare Sector Index US HLTHCARE ETF 464287762   367,003 1,310 SH   SOLE   1,310 0 0
iShares MSCI EAFE Growth Index EAFE GRWTH ETF 464288885   413,793 4,337 SH   SOLE   4,337 0 0
IShares MSCI EAFE Index MSCI EAFE ETF 464287465   1,514,699 20,892 SH   SOLE   20,892 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273   410,796 6,965 SH   SOLE   6,965 0 0
iShares MSCI Emerging Markets ex-China MSCI EMRG CHN 46434G764   249,868 4,807 SH   SOLE   4,807 0 0
iShares Russell 2000 Growth Index RUS 2000 GRW ETF 464287648   411,066 1,694 SH   SOLE   1,694 0 0
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655   1,804,915 9,638 SH   SOLE   9,638 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200   1,084,858 2,434 SH   SOLE   2,434 0 0
Johnson & Johnson COM 478160104   1,518,143 9,172 SH   SOLE   9,172 0 0
JP Morgan Chase & Co. COM 46625H100   4,116,388 28,303 SH   SOLE   28,303 0 0
Kellogg Company COM 487836108   379,260 5,627 SH   SOLE   5,627 0 0
Kemper Corporation COM 488401100   338,303 7,010 SH   SOLE   7,010 0 0
Keysight Technologies COM 49338L103   303,419 1,812 SH   SOLE   1,812 0 0
Kimberly-Clark Corp COM 494368103   1,380,135 9,997 SH   SOLE   9,997 0 0
L3Harris Technologies Inc. COM 502431109   600,622 3,068 SH   SOLE   3,068 0 0
Liberty Formula One Group COM SER A FRMLA 531229870   369,543 5,465 SH   SOLE   5,465 0 0
Lilly (Eli) & C. COM 532457108   723,636 1,543 SH   SOLE   1,543 0 0
Lowes Co Inc COM 548661107   268,236 1,188 SH   SOLE   1,188 0 0
Marathon Petroleum Corp. COM 56585A102   590,696 5,066 SH   SOLE   5,066 0 0
McDonalds Corp COM 580135101   1,369,403 4,589 SH   SOLE   4,589 0 0
McKesson Corporation COM 58155Q103   619,172 1,449 SH   SOLE   1,449 0 0
Medtronic Inc COM 585055106   483,493 5,488 SH   SOLE   5,488 0 0
Merck & Company Inc COM 58933Y105   988,255 8,564 SH   SOLE   8,564 0 0
Microsoft Corp COM 594918104   5,185,743 15,228 SH   SOLE   15,228 0 0
Motorola Solutions Inc. COM 620076307   360,441 1,229 SH   SOLE   1,229 0 0
NextEra Energy COM 65339F101   394,225 5,313 SH   SOLE   5,313 0 0
Norfolk Southern Corp COM 655844108   936,519 4,130 SH   SOLE   4,130 0 0
Northrop Grumman Corp COM 666807102   1,226,102 2,690 SH   SOLE   2,690 0 0
NVIDIA Corp. COM 67066G104   204,040 482 SH   SOLE   482 0 0
Occidental Petroleum COM 674599105   390,079 6,634 SH   SOLE   6,634 0 0
Oracle Corporation COM 68389X105   318,328 2,673 SH   SOLE   2,673 0 0
Pepsico Inc. COM 713448108   3,061,812 16,531 SH   SOLE   16,531 0 0
Pfizer Inc. COM 717081103   1,830,107 49,894 SH   SOLE   49,894 0 0
PG&E Corp COM 69331C108   221,858 12,839 SH   SOLE   12,839 0 0
Phillips 66 COM 718546104   331,636 3,477 SH   SOLE   3,477 0 0
Procter & Gamble Co. COM 742718109   1,303,100 8,588 SH   SOLE   8,588 0 0
QUALCOMM Inc. COM 747525103   694,024 5,830 SH   SOLE   5,830 0 0
Raytheon Technologies Corp. COM 75513E101   1,334,999 13,628 SH   SOLE   13,628 0 0
Reliance Steel & &Aluminum Co. COM 759509102   716,998 2,640 SH   SOLE   2,640 0 0
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706   895,498 36,358 SH   SOLE   36,358 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805   6,653,609 186,637 SH   SOLE   186,637 0 0
Schwab U.S. Large-Cap ETF US LRG CAP ETF 808524201   25,067,948 478,670 SH   SOLE   478,670 0 0
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300   2,261,017 30,167 SH   SOLE   30,167 0 0
Schwab U.S. Large-Cap Value ETF US LCAP VA ETF 808524409   858,752 12,800 SH   SOLE   12,800 0 0
Schwab U.S. Mid-Cap ETF US MID-CAP ETF 808524508   1,740,093 24,498 SH   SOLE   24,498 0 0
Schwab U.S. Small-Cap ETF US SML CAP ETF 808524607   6,916,633 157,914 SH   SOLE   157,914 0 0
Southern Company COM 842587107   257,326 3,663 SH   SOLE   3,663 0 0
SPDR Dow Jones Industrial Avg. ETF UT SER 1 78467X109   389,629 1,133 SH   SOLE   1,133 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   445,823 1,006 SH   SOLE   1,006 0 0
Stryker Corp. COM 863667101   364,583 1,195 SH   SOLE   1,195 0 0
Sysco Corp. COM 871829107   228,981 3,086 SH   SOLE   3,086 0 0
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803   784,109 4,510 SH   SOLE   4,510 0 0
Texas Instruments, Inc. COM 882508104   791,548 4,397 SH   SOLE   4,397 0 0
TJX Companies COM 872540109   377,655 4,454 SH   SOLE   4,454 0 0
Travelers Companies COM 89417E109   324,050 1,866 SH   SOLE   1,866 0 0
Union Pacific Corp. COM 907818108   274,600 1,342 SH   SOLE   1,342 0 0
UnitedHealth Group Inc. COM 910581107   6,577,797 13,685 SH   SOLE   13,685 0 0
Vanguard Energy Sector ETF ENERGY ETF 92204A306   1,185,797 10,504 SH   SOLE   10,504 0 0
Vanguard FTSE All-World Ex-US Small Cap ETF FTSE SMCAP ETF 922042718   209,912 1,900 SH   SOLE   1,900 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858   263,226 5,700 SH   SOLE   5,700 0 0
Vanguard Growth ETF GROWTH ETF 922908736   677,383 2,394 SH   SOLE   2,394 0 0
Vanguard Health Care Sector ETF HEALTH CAR ETF 92204A504   425,497 1,738 SH   SOLE   1,738 0 0
Vanguard Industrial Sector ETF INDUSTRIAL ETF 92204A603   214,779 1,045 SH   SOLE   1,045 0 0
Vanguard Large Cap ETF LARGE CAP ETF 922908637   656,813 3,240 SH   SOLE   3,240 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629   404,815 1,839 SH   SOLE   1,839 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611   330,550 1,998 SH   SOLE   1,998 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595   472,116 2,055 SH   SOLE   2,055 0 0
Verizon Communications COM 92343V104   973,523 26,177 SH   SOLE   26,177 0 0
Viatris Inc. COM 92556V106   422,364 42,321 SH   SOLE   42,321 0 0
Walgreens Boots Alliance, Inc. COM 931427108   250,313 8,786 SH   SOLE   8,786 0 0
Wal-Mart Stores Inc COM 931142103   623,570 3,967 SH   SOLE   3,967 0 0
Wells Fargo COM 949746101   435,507 10,204 SH   SOLE   10,204 0 0
Weyerhaeuser Corp. COM NEW 962166104   285,673 8,525 SH   SOLE   8,525 0 0
White Mountain Insurance Group Ltd. COM G9618E107   325,005 234 SH   SOLE   234 0 0