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   1,208,371 10,978 SH   SOLE   10,978 0 0
AbbVie Inc. COM 00287Y109   1,771,370 11,430 SH   SOLE   11,430 0 0
Accenture Ltd. SHS CLASS A G1151C101   291,255 830 SH   SOLE   830 0 0
Aflac Inc COM 001055102   1,658,828 20,107 SH   SOLE   20,107 0 0
Agilent Technologies COM 00846U101   383,167 2,756 SH   SOLE   2,756 0 0
Air Products & Chemicals COM 009158106   329,108 1,202 SH   SOLE   1,202 0 0
Allstate Corporation COM 020002101   282,200 2,016 SH   SOLE   2,016 0 0
Alphabet Inc. Cl. A CAP STK CL A 02079K305   617,150 4,418 SH   SOLE   4,418 0 0
Alphabet Inc. Cl. C CAP STK CL C 02079K107   314,697 2,233 SH   SOLE   2,233 0 0
American Express Company COM 025816109   519,494 2,773 SH   SOLE   2,773 0 0
Amgen Incorporated COM 031162100   1,109,737 3,853 SH   SOLE   3,853 0 0
Amphenol Corp CL A 032095101   331,193 3,341 SH   SOLE   3,341 0 0
Analog Devices COM 032654105   431,471 2,173 SH   SOLE   2,173 0 0
Apple Inc. COM 037833100   3,423,837 17,783 SH   SOLE   17,783 0 0
Applied Materials COM 038222105   449,766 2,775 SH   SOLE   2,775 0 0
Archer-Daniels-Midland Co COM 039483102   1,006,097 13,931 SH   SOLE   13,931 0 0
AT&T Inc. COM 001957109   708,609 42,229 SH   SOLE   42,229 0 0
Automatic Data Processing COM 053015103   441,245 1,894 SH   SOLE   1,894 0 0
Avery Dennison Corp COM 053611109   402,905 1,993 SH   SOLE   1,993 0 0
Bank of America Corp COM 06605F102   1,030,985 30,620 SH   SOLE   30,620 0 0
Berkshire Hathaway Cl. B CL B NEW 084670702   1,170,707 3,282 SH   SOLE   3,282 0 0
Boeing Co COM 097023105   949,831 3,644 SH   SOLE   3,644 0 0
Bristol-Myers Squibb Co COM 110122108   765,545 14,920 SH   SOLE   14,920 0 0
Broadcom Inc. COM 11135F101   613,938 550 SH   SOLE   550 0 0
Cardinal Health Inc. COM 14149Y108   269,237 2,671 SH   SOLE   2,671 0 0
Carrier Global Corp. COM 14448C104   385,949 6,718 SH   SOLE   6,718 0 0
Caterpillar Inc COM 149123101   651,361 2,203 SH   SOLE   2,203 0 0
Centerpoint Energy COM 15189T107   245,093 8,579 SH   SOLE   8,579 0 0
Charles Schwab Corp. COM 808513105   530,310 7,708 SH   SOLE   7,708 0 0
Chevron Corporation COM 166764100   1,508,523 10,113 SH   SOLE   10,113 0 0
Cisco Systems Inc. COM 17275R102   842,623 16,679 SH   SOLE   16,679 0 0
Coca-Cola Company COM 191216100   266,750 4,527 SH   SOLE   4,527 0 0
Comcast Corporation Class A CL A 20030N101   430,534 9,818 SH   SOLE   9,818 0 0
ConocoPhillips COM 20825C104   594,448 5,121 SH   SOLE   5,121 0 0
Constellation Brands Cl. A COM 21036P108   571,014 2,362 SH   SOLE   2,362 0 0
Constellation Energy Corp. COM 21037T109   219,403 1,877 SH   SOLE   1,877 0 0
Consumer Discretionery SPDR ETF SBI CONS DISCR 81369Y407   599,014 3,350 SH   SOLE   3,350 0 0
CVS Health Corp. COM 126650100   504,318 6,387 SH   SOLE   6,387 0 0
Deere & Co. COM 244199105   538,625 1,347 SH   SOLE   1,347 0 0
Disney (Walt) Co COM 254687106   518,174 5,739 SH   SOLE   5,739 0 0
Dow Inc. COM 260557103   309,471 5,643 SH   SOLE   5,643 0 0
DuPont de Nemours Inc. COM 26614N102   247,721 3,220 SH   SOLE   3,220 0 0
Eaton Corp. SHS G29183103   329,442 1,368 SH   SOLE   1,368 0 0
Equifax Inc. COM 294429105   649,384 2,626 SH   SOLE   2,626 0 0
Exxon Mobil Corporation COM 30231G102   1,188,783 11,890 SH   SOLE   11,890 0 0
Financial Select Sector SPDR ETF FINANCIAL 81369Y605   203,040 5,400 SH   SOLE   5,400 0 0
GE Healthcare Technologies Inc. COMMON STOCK 36266G107   225,466 2,916 SH   SOLE   2,916 0 0
General Dynamics Corp. COM 369550108   225,134 867 SH   SOLE   867 0 0
General Electric Company COM 369604103   1,135,915 8,900 SH   SOLE   8,900 0 0
Global Payments Inc. COM 37940X102   343,154 2,702 SH   SOLE   2,702 0 0
Goldman Sachs COM 38141G104   573,296 1,486 SH   SOLE   1,486 0 0
Goodyear Tire & Rubber Co COM 382550101   231,812 16,188 SH   SOLE   16,188 0 0
Hanes Brands COM 410345102   85,605 19,194 SH   SOLE   19,194 0 0
Hewlett Packard Enterprises COM 42824C109   754,013 44,406 SH   SOLE   44,406 0 0
Hexcel Corp. COM 428291108   239,024 3,241 SH   SOLE   3,241 0 0
Home Depot COM 437076102   2,423,011 6,992 SH   SOLE   6,992 0 0
Honeywell International Inc. COM 438516106   784,945 3,743 SH   SOLE   3,743 0 0
HP Inc. COM 40434L105   1,307,295 43,446 SH   SOLE   43,446 0 0
Illinois Tool Works COM 452308109   892,430 3,407 SH   SOLE   3,407 0 0
Intel Corp COM 458140100   2,543,562 50,618 SH   SOLE   50,618 0 0
International Business Machines COM 459200101   1,261,642 7,714 SH   SOLE   7,714 0 0
International Flavors and Fragrances COM 459506101   290,925 3,593 SH   SOLE   3,593 0 0
Invesco QQQ Trust UNIT SER 1 46090E103   669,345 1,634 SH   SOLE   1,634 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507   535,076 1,931 SH   SOLE   1,931 0 0
iShares Dow Jones U.S. Healthcare Sector Index US HLTHCARE ETF 464287762   374,844 1,310 SH   SOLE   1,310 0 0
iShares MSCI EAFE Growth Index EAFE GRWTH ETF 464288885   420,038 4,337 SH   SOLE   4,337 0 0
IShares MSCI EAFE Index MSCI EAFE ETF 464287465   1,573,263 20,879 SH   SOLE   20,879 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273   431,134 6,965 SH   SOLE   6,965 0 0
iShares MSCI Emerging Markets ex-China MSCI EMRG CHN 46434G764   266,467 4,809 SH   SOLE   4,809 0 0
iShares Russell 2000 Growth Index RUS 2000 GRW ETF 464287648   427,261 1,694 SH   SOLE   1,694 0 0
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655   1,934,451 9,638 SH   SOLE   9,638 0 0
iShares Russell 2000 Value Index RUS 2000 VAL ETF 464287630   205,812 1,325 SH   SOLE   1,325 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200   1,143,446 2,394 SH   SOLE   2,394 0 0
Johnson & Johnson COM 478160104   1,343,122 8,569 SH   SOLE   8,569 0 0
JP Morgan Chase & Co. COM 46625H100   4,817,984 28,324 SH   SOLE   28,324 0 0
Kellanova Company COM 487836108   314,399 5,623 SH   SOLE   5,623 0 0
Kemper Corporation COM 488401100   341,177 7,010 SH   SOLE   7,010 0 0
Keysight Technologies COM 49338L103   288,271 1,812 SH   SOLE   1,812 0 0
Kimberly-Clark Corp COM 494368103   1,235,584 10,169 SH   SOLE   10,169 0 0
L3Harris Technologies Inc. COM 502431109   646,182 3,068 SH   SOLE   3,068 0 0
Laboratory Corp. of America COM 50540R409   216,380 952 SH   SOLE   952 0 0
Liberty Formula One Group COM SER A FRMLA 531229870   316,861 5,465 SH   SOLE   5,465 0 0
Lilly (Eli) & C. COM 532457108   883,124 1,515 SH   SOLE   1,515 0 0
Lowes Co Inc COM 548661107   264,493 1,188 SH   SOLE   1,188 0 0
Marathon Petroleum Corp. COM 56585A102   713,018 4,806 SH   SOLE   4,806 0 0
McDonalds Corp COM 580135101   1,290,875 4,354 SH   SOLE   4,354 0 0
McKesson Corporation COM 58155Q103   619,930 1,339 SH   SOLE   1,339 0 0
Medtronic Inc COM 585055106   452,101 5,488 SH   SOLE   5,488 0 0
Merck & Company Inc COM 58933Y105   933,887 8,566 SH   SOLE   8,566 0 0
Microsoft Corp COM 594918104   5,497,544 14,620 SH   SOLE   14,620 0 0
Motorola Solutions Inc. COM 620076307   384,788 1,229 SH   SOLE   1,229 0 0
NextEra Energy COM 65339F101   352,778 5,808 SH   SOLE   5,808 0 0
Norfolk Southern Corp COM 655844108   976,398 4,131 SH   SOLE   4,131 0 0
Northrop Grumman Corp COM 666807102   1,259,297 2,690 SH   SOLE   2,690 0 0
NVIDIA Corp. COM 67066G104   238,866 482 SH   SOLE   482 0 0
Occidental Petroleum COM 674599105   395,758 6,628 SH   SOLE   6,628 0 0
Oracle Corporation COM 68389X105   282,658 2,681 SH   SOLE   2,681 0 0
Pepsico Inc. COM 713448108   2,794,333 16,453 SH   SOLE   16,453 0 0
Pfizer Inc. COM 717081103   1,452,703 50,459 SH   SOLE   50,459 0 0
PG&E Corp COM 69331C108   231,487 12,839 SH   SOLE   12,839 0 0
Phillips 66 COM 718546104   462,998 3,478 SH   SOLE   3,478 0 0
Procter & Gamble Co. COM 742718109   1,245,255 8,498 SH   SOLE   8,498 0 0
QUALCOMM Inc. COM 747525103   842,062 5,822 SH   SOLE   5,822 0 0
Raytheon Technologies Corp. COM 75513E101   1,315,294 15,632 SH   SOLE   15,632 0 0
Reliance Steel & &Aluminum Co. COM 759509102   737,516 2,637 SH   SOLE   2,637 0 0
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706   962,341 38,820 SH   SOLE   38,820 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805   7,049,583 190,735 SH   SOLE   190,735 0 0
Schwab U.S. Large-Cap ETF US LRG CAP ETF 808524201   26,733,903 474,005 SH   SOLE   474,005 0 0
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300   2,584,790 31,157 SH   SOLE   31,157 0 0
Schwab U.S. Large-Cap Value ETF US LCAP VA ETF 808524409   1,327,484 18,937 SH   SOLE   18,937 0 0
Schwab U.S. Mid-Cap ETF US MID-CAP ETF 808524508   1,853,340 24,606 SH   SOLE   24,606 0 0
Schwab U.S. Small-Cap ETF US SML CAP ETF 808524607   7,540,940 159,630 SH   SOLE   159,630 0 0
Southern Company COM 842587107   256,850 3,663 SH   SOLE   3,663 0 0
SPDR Dow Jones Industrial Avg. ETF UT SER 1 78467X109   427,045 1,133 SH   SOLE   1,133 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   478,037 1,006 SH   SOLE   1,006 0 0
Stryker Corp. COM 863667101   357,855 1,195 SH   SOLE   1,195 0 0
Sysco Corp. COM 871829107   319,578 4,370 SH   SOLE   4,370 0 0
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803   868,085 4,510 SH   SOLE   4,510 0 0
Texas Instruments, Inc. COM 882508104   706,898 4,147 SH   SOLE   4,147 0 0
TJX Companies COM 872540109   404,978 4,317 SH   SOLE   4,317 0 0
Travelers Companies COM 89417E109   374,505 1,966 SH   SOLE   1,966 0 0
Union Pacific Corp. COM 907818108   254,708 1,037 SH   SOLE   1,037 0 0
UnitedHealth Group Inc. COM 910581107   7,158,848 13,598 SH   SOLE   13,598 0 0
Valero Energy Corp. COM 91913Y100   211,510 1,627 SH   SOLE   1,627 0 0
Vanguard Energy Sector ETF ENERGY ETF 92204A306   1,231,909 10,504 SH   SOLE   10,504 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858   273,030 5,700 SH   SOLE   5,700 0 0
Vanguard Growth ETF GROWTH ETF 922908736   744,222 2,394 SH   SOLE   2,394 0 0
Vanguard Health Care Sector ETF HEALTH CAR ETF 92204A504   435,717 1,738 SH   SOLE   1,738 0 0
Vanguard Industrial Sector ETF INDUSTRIAL ETF 92204A603   227,043 1,030 SH   SOLE   1,030 0 0
Vanguard Large Cap ETF LARGE CAP ETF 922908637   706,806 3,240 SH   SOLE   3,240 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629   427,763 1,839 SH   SOLE   1,839 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611   359,668 1,998 SH   SOLE   1,998 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595   496,837 2,055 SH   SOLE   2,055 0 0
Verizon Communications COM 92343V104   958,553 25,426 SH   SOLE   25,426 0 0
Viatris Inc. COM 92556V106   457,986 42,289 SH   SOLE   42,289 0 0
Wal-Mart Stores Inc COM 931142103   625,435 3,967 SH   SOLE   3,967 0 0
Wells Fargo COM 949746101   498,599 10,130 SH   SOLE   10,130 0 0
Weyerhaeuser Corp. COM NEW 962166104   291,894 8,395 SH   SOLE   8,395 0 0
White Mountain Insurance Group Ltd. COM G9618E107   352,172 234 SH   SOLE   234 0 0