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   1,063,229 10,978 SH   SOLE   10,978 0 0
AbbVie Inc. COM 00287Y109   1,704,232 11,433 SH   SOLE   11,433 0 0
Accenture Ltd. SHS CLASS A G1151C101   273,328 890 SH   SOLE   890 0 0
Aflac Inc COM 001055102   1,558,869 20,311 SH   SOLE   20,311 0 0
Agilent Technologies COM 00846U101   295,876 2,646 SH   SOLE   2,646 0 0
Air Products & Chemicals COM 009158106   340,647 1,202 SH   SOLE   1,202 0 0
Allstate Corporation COM 020002101   224,603 2,016 SH   SOLE   2,016 0 0
Alphabet Inc. Cl. A CAP STK CL A 02079K305   560,473 4,283 SH   SOLE   4,283 0 0
Alphabet Inc. Cl. C CAP STK CL C 02079K107   294,421 2,233 SH   SOLE   2,233 0 0
American Express Company COM 025816109   413,704 2,773 SH   SOLE   2,773 0 0
Amgen Incorporated COM 031162100   1,046,279 3,893 SH   SOLE   3,893 0 0
Amphenol Corp CL A 032095101   282,626 3,365 SH   SOLE   3,365 0 0
Analog Devices COM 032654105   380,471 2,173 SH   SOLE   2,173 0 0
Apple Inc. COM 037833100   3,108,379 18,155 SH   SOLE   18,155 0 0
Applied Materials COM 038222105   384,633 2,778 SH   SOLE   2,778 0 0
Archer-Daniels-Midland Co COM 039483102   1,043,360 13,834 SH   SOLE   13,834 0 0
AT&T Inc. COM 001957109   640,413 42,637 SH   SOLE   42,637 0 0
Automatic Data Processing COM 053015103   455,659 1,894 SH   SOLE   1,894 0 0
Avery Dennison Corp COM 053611109   364,061 1,993 SH   SOLE   1,993 0 0
Bank of America Corp COM 06605F102   838,739 30,633 SH   SOLE   30,633 0 0
Berkshire Hathaway Cl. B CL B NEW 084670702   1,149,831 3,282 SH   SOLE   3,282 0 0
Boeing Co COM 097023105   698,472 3,644 SH   SOLE   3,644 0 0
Bristol-Myers Squibb Co COM 110122108   877,217 15,114 SH   SOLE   15,114 0 0
Broadcom Inc. COM 11135F101   455,988 549 SH   SOLE   549 0 0
Cardinal Health Inc. COM 14149Y108   231,896 2,671 SH   SOLE   2,671 0 0
Carrier Global Corp. COM 14448C104   370,834 6,718 SH   SOLE   6,718 0 0
Caterpillar Inc COM 149123101   601,419 2,203 SH   SOLE   2,203 0 0
Centerpoint Energy COM 15189T107   230,314 8,578 SH   SOLE   8,578 0 0
Charles Schwab Corp. COM 808513105   423,169 7,708 SH   SOLE   7,708 0 0
Chevron Corporation COM 166764100   1,869,356 11,086 SH   SOLE   11,086 0 0
Cisco Systems Inc. COM 17275R102   873,923 16,256 SH   SOLE   16,256 0 0
Coca-Cola Company COM 191216100   253,397 4,527 SH   SOLE   4,527 0 0
Comcast Corporation Class A CL A 20030N101   450,413 10,158 SH   SOLE   10,158 0 0
ConocoPhillips COM 20825C104   627,902 5,241 SH   SOLE   5,241 0 0
Constellation Brands Cl. A COM 21036P108   593,641 2,362 SH   SOLE   2,362 0 0
Constellation Energy Corp. COM 21037T109   204,743 1,877 SH   SOLE   1,877 0 0
Consumer Discretionery SPDR ETF SBI CONS DISCR 81369Y407   539,283 3,350 SH   SOLE   3,350 0 0
CVS Health Corp. COM 126650100   456,832 6,543 SH   SOLE   6,543 0 0
Deere & Co. COM 244199105   515,124 1,365 SH   SOLE   1,365 0 0
Disney (Walt) Co COM 254687106   465,145 5,739 SH   SOLE   5,739 0 0
Dow Inc. COM 260557103   292,762 5,678 SH   SOLE   5,678 0 0
DuPont de Nemours Inc. COM 26614N102   240,556 3,225 SH   SOLE   3,225 0 0
Eaton Corp. SHS G29183103   291,767 1,368 SH   SOLE   1,368 0 0
Equifax Inc. COM 294429105   482,313 2,633 SH   SOLE   2,633 0 0
Exxon Mobil Corporation COM 30231G102   1,398,390 11,893 SH   SOLE   11,893 0 0
GE Healthcare Technologies Inc. COMMON STOCK 36266G107   207,659 3,052 SH   SOLE   3,052 0 0
General Electric Company COM 369604103   1,019,606 9,223 SH   SOLE   9,223 0 0
Global Payments Inc. COM 37940X102   311,784 2,702 SH   SOLE   2,702 0 0
Goldman Sachs COM 38141G104   480,844 1,486 SH   SOLE   1,486 0 0
Goodyear Tire & Rubber Co COM 382550101   202,833 16,318 SH   SOLE   16,318 0 0
Hanes Brands COM 410345102   76,800 19,394 SH   SOLE   19,394 0 0
Hewlett Packard Enterprises COM 42824C109   771,600 44,421 SH   SOLE   44,421 0 0
Hexcel Corp. COM 428291108   211,119 3,241 SH   SOLE   3,241 0 0
Home Depot COM 437076102   2,143,747 7,095 SH   SOLE   7,095 0 0
Honeywell International Inc. COM 438516106   691,482 3,743 SH   SOLE   3,743 0 0
HP Inc. COM 40434L105   1,117,560 43,485 SH   SOLE   43,485 0 0
Illinois Tool Works COM 452308109   800,558 3,476 SH   SOLE   3,476 0 0
Intel Corp COM 458140100   1,835,621 51,635 SH   SOLE   51,635 0 0
International Business Machines COM 459200101   1,080,318 7,700 SH   SOLE   7,700 0 0
International Flavors and Fragrances COM 459506101   251,752 3,693 SH   SOLE   3,693 0 0
Invesco QQQ Trust UNIT SER 1 46090E103   585,579 1,634 SH   SOLE   1,634 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507   481,404 1,931 SH   SOLE   1,931 0 0
iShares Dow Jones U.S. Healthcare Sector Index US HLTHCARE ETF 464287762   353,669 1,310 SH   SOLE   1,310 0 0
iShares MSCI EAFE Growth Index EAFE GRWTH ETF 464288885   374,283 4,337 SH   SOLE   4,337 0 0
IShares MSCI EAFE Index MSCI EAFE ETF 464287465   1,439,422 20,885 SH   SOLE   20,885 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273   393,314 6,965 SH   SOLE   6,965 0 0
iShares MSCI Emerging Markets ex-China MSCI EMRG CHN 46434G764   239,632 4,809 SH   SOLE   4,809 0 0
iShares Russell 2000 Growth Index RUS 2000 GRW ETF 464287648   379,710 1,694 SH   SOLE   1,694 0 0
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655   1,703,427 9,638 SH   SOLE   9,638 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200   1,034,926 2,410 SH   SOLE   2,410 0 0
Johnson & Johnson COM 478160104   1,328,392 8,529 SH   SOLE   8,529 0 0
JP Morgan Chase & Co. COM 46625H100   4,104,305 28,302 SH   SOLE   28,302 0 0
Kellanova Company COM 487836108   334,930 5,628 SH   SOLE   5,628 0 0
Kemper Corporation COM 488401100   294,630 7,010 SH   SOLE   7,010 0 0
Keysight Technologies COM 49338L103   239,746 1,812 SH   SOLE   1,812 0 0
Kimberly-Clark Corp COM 494368103   1,228,747 10,168 SH   SOLE   10,168 0 0
L3Harris Technologies Inc. COM 502431109   534,200 3,068 SH   SOLE   3,068 0 0
Liberty Formula One Group COM SER A FRMLA 531229870   308,991 5,465 SH   SOLE   5,465 0 0
Lilly (Eli) & C. COM 532457108   813,752 1,515 SH   SOLE   1,515 0 0
Lowes Co Inc COM 548661107   247,010 1,188 SH   SOLE   1,188 0 0
Marathon Petroleum Corp. COM 56585A102   744,139 4,917 SH   SOLE   4,917 0 0
McDonalds Corp COM 580135101   1,186,342 4,503 SH   SOLE   4,503 0 0
McKesson Corporation COM 58155Q103   590,961 1,359 SH   SOLE   1,359 0 0
Medtronic Inc COM 585055106   430,040 5,488 SH   SOLE   5,488 0 0
Merck & Company Inc COM 58933Y105   881,799 8,565 SH   SOLE   8,565 0 0
Microsoft Corp COM 594918104   4,747,398 15,035 SH   SOLE   15,035 0 0
Motorola Solutions Inc. COM 620076307   334,583 1,229 SH   SOLE   1,229 0 0
NextEra Energy COM 65339F101   304,382 5,313 SH   SOLE   5,313 0 0
Norfolk Southern Corp COM 655844108   813,383 4,130 SH   SOLE   4,130 0 0
Northrop Grumman Corp COM 666807102   1,184,111 2,690 SH   SOLE   2,690 0 0
NVIDIA Corp. COM 67066G104   209,814 482 SH   SOLE   482 0 0
Occidental Petroleum COM 674599105   430,025 6,628 SH   SOLE   6,628 0 0
Oracle Corporation COM 68389X105   283,124 2,673 SH   SOLE   2,673 0 0
Pepsico Inc. COM 713448108   2,788,250 16,456 SH   SOLE   16,456 0 0
Pfizer Inc. COM 717081103   1,661,947 50,104 SH   SOLE   50,104 0 0
PG&E Corp COM 69331C108   207,093 12,839 SH   SOLE   12,839 0 0
Phillips 66 COM 718546104   417,795 3,477 SH   SOLE   3,477 0 0
Procter & Gamble Co. COM 742718109   1,239,477 8,498 SH   SOLE   8,498 0 0
QUALCOMM Inc. COM 747525103   646,722 5,823 SH   SOLE   5,823 0 0
Raytheon Technologies Corp. COM 75513E101   1,086,394 15,095 SH   SOLE   15,095 0 0
Reliance Steel & &Aluminum Co. COM 759509102   692,287 2,640 SH   SOLE   2,640 0 0
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706   874,720 36,538 SH   SOLE   36,538 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805   6,426,658 189,242 SH   SOLE   189,242 0 0
Schwab U.S. Large-Cap ETF US LRG CAP ETF 808524201   24,118,669 476,654 SH   SOLE   476,654 0 0
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300   2,253,377 30,987 SH   SOLE   30,987 0 0
Schwab U.S. Large-Cap Value ETF US LCAP VA ETF 808524409   825,088 12,800 SH   SOLE   12,800 0 0
Schwab U.S. Mid-Cap ETF US MID-CAP ETF 808524508   1,626,086 24,026 SH   SOLE   24,026 0 0
Schwab U.S. Small-Cap ETF US SML CAP ETF 808524607   6,571,597 158,658 SH   SOLE   158,658 0 0
Southern Company COM 842587107   237,069 3,663 SH   SOLE   3,663 0 0
SPDR Dow Jones Industrial Avg. ETF UT SER 1 78467X109   379,544 1,133 SH   SOLE   1,133 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   429,933 1,006 SH   SOLE   1,006 0 0
Stryker Corp. COM 863667101   326,558 1,195 SH   SOLE   1,195 0 0
Sysco Corp. COM 871829107   243,196 3,682 SH   SOLE   3,682 0 0
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803   739,324 4,510 SH   SOLE   4,510 0 0
Texas Instruments, Inc. COM 882508104   659,414 4,147 SH   SOLE   4,147 0 0
TJX Companies COM 872540109   394,361 4,437 SH   SOLE   4,437 0 0
Travelers Companies COM 89417E109   321,067 1,966 SH   SOLE   1,966 0 0
Union Pacific Corp. COM 907818108   211,164 1,037 SH   SOLE   1,037 0 0
UnitedHealth Group Inc. COM 910581107   6,897,153 13,680 SH   SOLE   13,680 0 0
Valero Energy Corp. COM 91913Y100   230,562 1,627 SH   SOLE   1,627 0 0
Vanguard Energy Sector ETF ENERGY ETF 92204A306   1,331,277 10,504 SH   SOLE   10,504 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858   249,204 5,700 SH   SOLE   5,700 0 0
Vanguard Growth ETF GROWTH ETF 922908736   651,888 2,394 SH   SOLE   2,394 0 0
Vanguard Health Care Sector ETF HEALTH CAR ETF 92204A504   408,604 1,738 SH   SOLE   1,738 0 0
Vanguard Industrial Sector ETF INDUSTRIAL ETF 92204A603   203,754 1,045 SH   SOLE   1,045 0 0
Vanguard Large Cap ETF LARGE CAP ETF 922908637   634,036 3,240 SH   SOLE   3,240 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629   382,898 1,839 SH   SOLE   1,839 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611   318,739 1,998 SH   SOLE   1,998 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595   440,140 2,055 SH   SOLE   2,055 0 0
Verizon Communications COM 92343V104   848,475 26,179 SH   SOLE   26,179 0 0
Viatris Inc. COM 92556V106   416,924 42,284 SH   SOLE   42,284 0 0
Wal-Mart Stores Inc COM 931142103   634,480 3,967 SH   SOLE   3,967 0 0
Wells Fargo COM 949746101   416,957 10,205 SH   SOLE   10,205 0 0
Weyerhaeuser Corp. COM NEW 962166104   261,377 8,525 SH   SOLE   8,525 0 0
White Mountain Insurance Group Ltd. COM G9618E107   349,991 234 SH   SOLE   234 0 0