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
Estimated average burden
hours per response: 23.8
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 LABS COM 002824100 11,474 118,577 SH   SOLE   118,577 0 0
ABBVIE INC COM 00287Y109 2,400 17,880 SH   SOLE   17,880 0 0
AIR PRODS & CHEMS INC COM 009158106 10,693 45,945 SH   SOLE   45,945 0 0
ALPHABET INC CAP STK CL A 02079K305 6,195 64,770 SH   SOLE   64,770 0 0
ALPHABET INC CAP STK CL C 02079K107 285 2,960 SH   SOLE   2,960 0 0
ALTRIA GROUP INC COM 02209S103 788 19,518 SH   SOLE   19,518 0 0
AMAZON COM INC COM 023135106 3,640 32,215 SH   SOLE   32,215 0 0
APPLE INC COM 037833100 13,641 98,705 SH   SOLE   98,705 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,227 9,845 SH   SOLE   9,845 0 0
BK OF AMERICA CORP COM 060505104 1,350 44,715 SH   SOLE   44,715 0 0
BECTON DICKINSON & CO COM 075887109 206 926 SH   SOLE   926 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 761 10,710 SH   SOLE   10,710 0 0
CABOT CORP COM 127055101 4,139 64,783 SH   SOLE   64,783 0 0
CHEVRON CORP NEW COM 166764100 2,037 14,181 SH   SOLE   14,181 0 0
CINCINNATI FINL CORP COM 172062101 957 10,685 SH   SOLE   10,685 0 0
CISCO SYS INC COM 17275R102 2,025 50,635 SH   SOLE   50,635 0 0
CLOROX CO DEL COM 189054109 230 1,795 SH   SOLE   1,795 0 0
COCA COLA CO COM 191216100 603 10,760 SH   SOLE   10,760 0 0
COLGATE PALMOLIVE CO COM 194162103 359 5,116 SH   SOLE   5,116 0 0
COMCAST CORP NEW CL A 20030N101 4,911 167,433 SH   SOLE   167,433 0 0
COSTCO WHSL CORP NEW COM 22160K105 673 1,425 SH   SOLE   1,425 0 0
DISNEY WALT CO COM 254687106 7,067 74,919 SH   SOLE   74,919 0 0
DOMINION ENERGY INC COM 25746U109 266 3,845 SH   SOLE   3,845 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 575 6,183 SH   SOLE   6,183 0 0
LILLY ELI & CO COM 532457108 1,059 3,275 SH   SOLE   3,275 0 0
EMERSON ELEC CO COM 291011104 7,401 101,080 SH   SOLE   101,080 0 0
ESSENTIAL UTILS INC COM 29670G102 740 17,880 SH   SOLE   17,880 0 0
EXXON MOBIL CORP COM 30231G102 5,120 58,644 SH   SOLE   58,644 0 0
GALLAGHER ARTHUR J & CO COM 363576109 669 3,905 SH   SOLE   3,905 0 0
GENERAL ELECTRIC CO COM NEW 369604301 644 10,397 SH   SOLE   10,397 0 0
HOME DEPOT INC COM 437076102 6,581 23,851 SH   SOLE   23,851 0 0
HONEYWELL INTL INC COM 438516106 1,269 7,600 SH   SOLE   7,600 0 0
INTEL CORP COM 458140100 5,221 202,587 SH   SOLE   202,587 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 316 2,656 SH   SOLE   2,656 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602 243 1,298 SH   SOLE   1,298 0 0
SMUCKER J M CO COM NEW 832696405 282 2,050 SH   SOLE   2,050 0 0
JOHNSON & JOHNSON COM 478160104 11,342 69,431 SH   SOLE   69,431 0 0
JPMORGAN CHASE & CO COM 46625H100 10,244 98,031 SH   SOLE   98,031 0 0
KIMBERLY-CLARK CORP COM 494368103 208 1,850 SH   SOLE   1,050 0 800
KINSALE CAP GROUP INC COM 49714P108 281 1,100 SH   SOLE   1,100 0 0
LOCKHEED MARTIN CORP COM 539830109 222 574 SH   SOLE   574 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,205 4,239 SH   SOLE   4,239 0 0
MERCK & CO INC COM 58933Y105 7,088 82,308 SH   SOLE   82,308 0 0
META PLATFORMS INC CL A 30303M102 438 3,227 SH   SOLE   3,227 0 0
MICROSOFT CORP COM 594918104 12,959 55,642 SH   SOLE   55,642 0 0
MONDELEZ INTL INC CL A 609207105 670 12,223 SH   SOLE   12,223 0 0
MOODYS CORP COM 615369105 10,575 43,497 SH   SOLE   43,497 0 0
NEXTERA ENERGY INC COM 65339F101 1,632 20,816 SH   SOLE   20,816 0 0
NIKE INC CL B 654106103 2,944 35,424 SH   SOLE   35,424 0 0
NVIDIA CORPORATION COM 67066G104 648 5,336 SH   SOLE   5,336 0 0
ORACLE CORP COM 68389X105 3,372 55,218 SH   SOLE   55,218 0 0
PARAMOUNT GLOBAL CLASS B COM 92556H206 852 44,760 SH   SOLE   44,760 0 0
PAYPAL HLDGS INC COM 70450Y103 380 4,415 SH   SOLE   4,415 0 0
PEPSICO INC COM 713448108 7,742 47,421 SH   SOLE   47,421 0 0
PFIZER INC COM 717081103 1,131 25,841 SH   SOLE   24,635 0 1,206
PHILIP MORRIS INTL INC COM 718172109 1,620 19,518 SH   SOLE   19,518 0 0
PROCTER AND GAMBLE CO COM 742718109 6,965 55,167 SH   SOLE   54,067 0 1,100
PRUDENTIAL FINL INC COM 744320102 446 5,195 SH   SOLE   5,195 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,471 17,965 SH   SOLE   17,965 0 0
RPM INTL INC COM 749685103 2,080 24,970 SH   SOLE   22,470 0 2,500
S&P GLOBAL INC COM 78409V104 252 825 SH   SOLE   825 0 0
SOUTHERN CO COM 842587107 952 13,995 SH   SOLE   13,995 0 0
STRYKER CORPORATION COM 863667101 1,315 6,492 SH   SOLE   6,492 0 0
TESLA INC COM 88160R101 1,002 3,776 SH   SOLE   3,776 0 0
TEXAS INSTRS INC COM 882508104 640 4,138 SH   SOLE   4,138 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 334 658 SH   SOLE   658 0 0
UNION PAC CORP COM 907818108 12,183 62,535 SH   SOLE   62,535 0 0
UNITED PARCEL SERVICE INC CL B 911312106 1,129 6,989 SH   SOLE   6,989 0 0
UNITEDHEALTH GROUP INC COM 91324P102 458 907 SH   SOLE   907 0 0
US BANCORP DEL COM NEW 902973304 267 6,620 SH   SOLE   6,620 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,338 35,242 SH   SOLE   35,242 0 0
VISA INC COM CL A 92826C839 425 2,391 SH   SOLE   2,391 0 0
WALMART INC COM 931142103 2,276 17,546 SH   SOLE   17,546 0 0
WASTE MGMT INC DEL COM 94106L109 1,449 9,047 SH   SOLE   9,047 0 0
WELLS FARGO CO NEW COM 949746101 2,391 59,443 SH   SOLE   59,443 0 0
3M CO COM 88579Y101 3,438 31,116 SH   SOLE   30,416 0 700
ASML HOLDING N V N Y REGISTRY SHS N07059210 355 854 SH   SOLE   854 0 0
CHECK POINT SOFTWARE TECH LT ORD M22465104 3,832 34,204 SH   SOLE   34,204 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 636 3,744 SH   SOLE   3,744 0 0
UNILEVER PLC SPON ADR NEW 904767704 217 4,945 SH   SOLE   4,945 0 0
AMERICAN TOWER CORP NEW COM 03027X100 342 1,595 SH   SOLE   0 0 1,595
WP CAREY INC COM 92936U109 252 3,605 SH   SOLE   0 0 3,605
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,124 4,370 SH   SOLE   4,370 0 0
CHUBB LIMITED COM H1467J104 394 2,166 SH   SOLE   2,166 0 0
ENBRIDGE INC COM 29250N105 319 8,592 SH   SOLE   8,592 0 0
LINDE PLC SHS G5494J103 254 942 SH   SOLE   942 0 0
MEDTRONIC PLC SHS G5960L103 469 5,803 SH   SOLE   5,803 0 0
SCHLUMBERGER LTD COM STK 806857108 2,230 62,125 SH   SOLE   62,125 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,009 7,080 SH   SOLE   0 0 7,080
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 1,151 37,905 SH   SOLE   0 0 37,905
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 498 2,200 SH   SOLE   0 0 2,200
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 330 2,595 SH   SOLE   0 0 2,595
ISHARES TR RUS 1000 ETF 464287622 1,192 6,040 SH   SOLE   0 0 6,040
ISHARES TR RUSSELL 3000 ETF 464287689 311 1,500 SH   SOLE   0 0 1,500
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 2,387 56,844 SH   SOLE   0 0 56,844
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,378 20,740 SH   SOLE   0 0 20,740
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,494 29,812 SH   SOLE   0 0 29,812
SPDR SER TR S&P BIOTECH 78464A870 425 5,363 SH   SOLE   0 0 5,363
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,577 4,415 SH   SOLE   0 0 4,415
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 247 5,570 SH   SOLE   0 0 5,570
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 420 4,425 SH   SOLE   0 0 4,425
VANGUARD INDEX FDS MID CAP ETF 922908629 704 3,743 SH   SOLE   0 0 3,743
VANGUARD WORLD FDS INF TECH ETF 92204A702 917 2,983 SH   SOLE   0 0 2,983
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,135 6,643 SH   SOLE   0 0 6,643
VANGUARD INDEX FDS TOTAL STK MKT 922908769 4,154 23,147 SH   SOLE   0 0 23,147
ISHARES TR INTRM GOV CR ETF 464288612 1,162 11,425 SH   SOLE   0 0 11,425
ISHARES TR ISHS 5-10YR INVT 464288638 677 14,021 SH   SOLE   0 0 14,021
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,119 14,950 SH   SOLE   0 0 14,950
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,772 23,850 SH   SOLE   0 0 23,850