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
3M COMPANY COM 88579Y101 24,131 150,652 SH   SOLE   144,737 0 5,915
ABBOTT LABORATORIES COM 002824100 46,936 431,274 SH   SOLE   415,797 0 15,477
ABBVIE INC COM 00287y109 26,606 303,755 SH   SOLE   290,735 0 13,020
ACCENTURE PLC-CL A COM g1151c101 24,948 110,396 SH   SOLE   105,446 0 4,950
ADOBE INC COM 00724F101 247 504 SH   SOLE   489 0 15
AFLAC INC COM 001055102 18,978 522,085 SH   SOLE   499,950 0 22,135
ALIBABA GROUP HOLDING LTD COM 01609w102 255 866 SH   SOLE   866 0 0
ALLIANT ENERGY CORP COM 018802108 29,244 566,188 SH   SOLE   543,533 0 22,655
ALLSTATE CORP COM 020002101 22,427 238,225 SH   SOLE   229,511 0 8,714
ALPHABET INC CL A COM 02079k305 353 241 SH   SOLE   241 0 0
ALPHABET INC CL C COM 02079k107 428 291 SH   SOLE   286 0 5
ALTRIA GROUP INC COM 02209S103 244 6,312 SH   SOLE   6,312 0 0
AMAZON.COM INC COM 023135106 1,499 476 SH   SOLE   476 0 0
AMEREN CORPORATION COM 023608102 652 8,246 SH   SOLE   7,568 0 678
AMERICAN ELECTRIC POWER COM 025537101 28,387 347,322 SH   SOLE   333,682 0 13,640
AMERICAN EXPRESS CO COM 025816109 25,289 252,264 SH   SOLE   242,389 0 9,875
AMGEN INC COM 031162100 42,997 169,175 SH   SOLE   163,213 0 5,962
ANTS SOFTWARE INC COM 037271103 0 46,666 SH   SOLE   46,666 0 0
APPLE INC COM 037833100 5,193 44,844 SH   SOLE   43,472 0 1,372
AT&T INC COM 00206R102 37,420 1,312,510 SH   SOLE   1,263,795 0 48,715
AUTOMATIC DATA PROCESSING COM 053015103 483 3,462 SH   SOLE   3,442 0 20
BANK OF AMERICA CORP COM 060505104 508 21,068 SH   SOLE   21,068 0 0
BANK OF NEW YORK MELLON CORP COM 064058100 16,356 476,296 SH   SOLE   455,716 0 20,580
BAXTER INTERNATIONAL INC COM 071813109 630 7,829 SH   SOLE   7,829 0 0
BECTON DICKINSON & CO COM 075887109 282 1,212 SH   SOLE   1,212 0 0
BERKSHIRE HATHAWAY CL A COM 084670108 320 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY CL B COM 084670702 1,260 5,917 SH   SOLE   5,770 0 147
BLACKROCK INC COM 09247x101 29,315 52,018 SH   SOLE   50,412 0 1,606
BOEING CO COM 097023105 2,079 12,580 SH   SOLE   12,580 0 0
BP PLC-SPONS ADR COM 055622104 14,978 857,844 SH   SOLE   818,789 0 39,055
BRISTOL MYERS SQUIBB CO COM 110122108 30,024 497,988 SH   SOLE   475,958 0 22,030
BROWN & BROWN INC COM 115236101 4,536 100,200 SH   SOLE   100,200 0 0
CATERPILLAR INC COM 149123101 11,046 74,063 SH   SOLE   73,263 0 800
CHARLES SCHWAB CORP COM 808513105 16,741 462,073 SH   SOLE   441,179 0 20,894
CHARTER COMMUNICATIONS (NEW) COM 16119p108 340 544 SH   SOLE   544 0 0
CHEVRON CORPORATION COM 166764100 18,633 258,792 SH   SOLE   247,962 0 10,830
CISCO SYSTEMS INC COM 17275R102 36,943 937,866 SH   SOLE   904,599 0 33,267
CLOROX COMPANY COM 189054109 361 1,720 SH   SOLE   1,720 0 0
COCA COLA CO COM 191216100 25,707 520,694 SH   SOLE   500,379 0 20,315
COLGATE PALMOLIVE CO COM 194162103 729 9,446 SH   SOLE   7,046 0 2,400
COMCAST CORP CLASS A COM 20030N101 23,611 510,400 SH   SOLE   485,825 0 24,575
COMMERCE BANCSHARES INC COM 200525103 940 16,691 SH   SOLE   16,691 0 0
COMMUNICATION SERV SEL SEC SPDR ETF COM 81369y852 754 12,698 SH   SOLE   6,954 0 5,744
CONOCOPHILLIPS COM 20825C104 16,610 505,794 SH   SOLE   485,629 0 20,165
CONSOLIDATED EDISON INC COM 209115104 3,078 39,563 SH   SOLE   39,363 0 200
CONSUMER DISC SELECT SECTOR SPDR COM 81369Y407 1,452 9,882 SH   SOLE   9,882 0 0
COSTCO WHOLESALE CORP COM 22160K105 605 1,704 SH   SOLE   1,689 0 15
CSX CORP COM 126408103 1,064 13,700 SH   SOLE   13,700 0 0
CVS HEALTH CORP COM 126650100 17,126 293,253 SH   SOLE   278,618 0 14,635
DARDEN RESTAURANTS INC COM 237194105 670 6,652 SH   SOLE   6,652 0 0
DEERE & CO COM 244199105 47,571 214,640 SH   SOLE   206,710 0 7,930
DISCOVER FINANCIAL SERVICES COM 254709108 22,691 392,712 SH   SOLE   377,057 0 15,655
DOMINION ENERGY INC COM 25746U109 25,200 319,269 SH   SOLE   305,269 0 14,000
DOW INC COM 260557103 219 4,658 SH   SOLE   4,658 0 0
DTE ENERGY COMPANY COM 233331107 23,863 207,432 SH   SOLE   198,442 0 8,990
DUKE ENERGY HOLDING CORP COM 26441c204 25,356 286,319 SH   SOLE   272,352 0 13,967
DUPONT DE NEMOURS INC COM 26614n102 207 3,722 SH   SOLE   3,722 0 0
EASTMAN CHEMICAL COMPANY COM 277432100 24,753 316,861 SH   SOLE   306,356 0 10,505
EDISON INTERNATIONAL COM 281020107 284 5,580 SH   SOLE   5,580 0 0
ELI LILLY & CO COM 532457108 471 3,185 SH   SOLE   3,185 0 0
EMERSON ELECTRIC CO COM 291011104 241 3,674 SH   SOLE   3,674 0 0
ENBRIDGE INC COM 29250n105 19,539 669,130 SH   SOLE   639,052 0 30,078
ENERGY SELECT SECTOR SPDR COM 81369y506 1,129 37,704 SH   SOLE   26,209 0 11,495
EVERGY INC COM 30034w106 20,908 411,415 SH   SOLE   391,254 0 20,161
EVERSOURCE ENERGY COM 30040w108 31,350 375,223 SH   SOLE   358,403 0 16,820
EXELON CORPORATION COM 30161N101 21,314 596,035 SH   SOLE   574,480 0 21,555
EXXON MOBIL CORPORATION COM 30231g102 1,779 51,835 SH   SOLE   51,835 0 0
FACEBOOK INC A COM 30303m102 527 2,013 SH   SOLE   2,013 0 0
FINANCIAL SELECT SECTOR SPDR COM 81369Y605 2,985 123,999 SH   SOLE   87,193 0 36,806
FIRST HORIZON NATIONAL CORP COM 320517105 190 20,142 SH   SOLE   20,142 0 0
FIRSTENERGY CORP COM 337932107 19,846 691,268 SH   SOLE   660,222 0 31,045
GENERAL DYNAMICS CORP COM 369550108 21,924 158,373 SH   SOLE   152,963 0 5,410
GENERAL ELECTRIC CO COM 369604103 261 41,856 SH   SOLE   41,356 0 500
GENERAL MILLS INC COM 370334104 28,875 468,141 SH   SOLE   448,796 0 19,345
GENUINE PARTS CO COM 372460105 23,947 251,626 SH   SOLE   241,191 0 10,435
HEALTH CARE SELECT SECTOR SPDR COM 81369Y209 2,796 26,508 SH   SOLE   20,438 0 6,070
HOME DEPOT INC COM 437076102 28,666 103,223 SH   SOLE   98,308 0 4,915
HONEYWELL INTERNATL INC COM 438516106 38,723 235,239 SH   SOLE   227,509 0 7,730
ILLINOIS TOOL WORKS COM 452308109 519 2,686 SH   SOLE   2,686 0 0
INDUSTRIAL SELECT SECTOR SPDR COM 81369y704 699 9,084 SH   SOLE   9,084 0 0
INTEL CORPORATION COM 458140100 43,378 837,743 SH   SOLE   806,447 0 31,296
INTL BUSINESS MACHINES CORP COM 459200101 22,873 187,996 SH   SOLE   180,456 0 7,540
INTUITIVE SURGICAL INC COM 46120E602 275 388 SH   SOLE   388 0 0
INVESCO BULLETSHARES 2020 CORP BOND COM 46138j502 872 41,097 SH   SOLE   33,822 0 7,275
INVESCO BULLETSHARES 2021 CORP BOND COM 46138j700 3,686 172,875 SH   SOLE   88,830 0 84,045
INVESCO BULLETSHARES 2022 CORP BOND COM 46138j882 3,316 151,841 SH   SOLE   79,987 0 71,854
INVESCO BULLETSHARES 2023 CORP BOND COM 46138j866 2,647 121,495 SH   SOLE   55,817 0 65,678
INVESCO BULLETSHARES 2024 CORP BOND COM 46138j841 1,754 79,064 SH   SOLE   39,217 0 39,847
INVESCO BULLETSHARES 2025 CORP BOND COM 46138j825 1,194 53,415 SH   SOLE   21,076 0 32,339
INVESCO QQQ TRUST SERIES 1 COM 46090e103 357 1,286 SH   SOLE   1,286 0 0
ISHARES CORE DIVIDEND GROWTH ETF COM 46434v621 9,655 242,648 SH   SOLE   156,897 0 85,751
ISHARES CORE MSCI EMERGING MKTS ETF COM 46434g103 702 13,296 SH   SOLE   13,296 0 0
ISHARES MSCI EAFE ETF COM 464287465 4,966 78,021 SH   SOLE   78,021 0 0
ISHARES RUSSELL 3000 ETF COM 464287689 10,720 54,775 SH   SOLE   54,775 0 0
ISHARES RUSSELL MIDCAP ETF COM 464287499 316 5,500 SH   SOLE   5,500 0 0
ISHARES SHORT TREASURY BOND ETF COM 464288679 205 1,850 SH   SOLE   1,850 0 0
JOHNSON & JOHNSON COM 478160104 42,368 284,576 SH   SOLE   272,492 0 12,084
JP MORGAN CHASE & CO COM 46625H100 34,895 362,466 SH   SOLE   348,863 0 13,603
KIMBERLY CLARK CORP COM 494368103 29,402 199,118 SH   SOLE   191,158 0 7,960
KROGER CO COM 501044101 367 10,825 SH   SOLE   10,475 0 350
LOCKHEED MARTIN CORP COM 539830109 404 1,055 SH   SOLE   1,055 0 0
LOWES COS INC COM 548661107 1,004 6,056 SH   SOLE   6,056 0 0
MARSH & MCLENNAN COS COM 571748102 31,336 273,199 SH   SOLE   261,910 0 11,289
MASCO CORP COM 574599106 215 3,900 SH   SOLE   3,900 0 0
MCCORMICK & CO INC COM 579780206 6,848 35,280 SH   SOLE   35,140 0 140
MCDONALDS CORPORATION COM 580135101 1,444 6,578 SH   SOLE   6,578 0 0
MEDTRONIC PLC COM g5960l103 21,851 210,270 SH   SOLE   200,115 0 10,155
MERCK AND CO INC NEW COM 58933y105 23,767 286,528 SH   SOLE   271,578 0 14,950
METLIFE INC COM 59156r108 475 12,775 SH   SOLE   12,275 0 500
MICROSOFT CORP COM 594918104 98,289 467,307 SH   SOLE   454,569 0 12,738
MONDELEZ INTL INC COM 609207105 23,483 408,751 SH   SOLE   389,121 0 19,630
NATIONAL FUEL GAS CO COM 636180101 279 6,883 SH   SOLE   6,283 0 600
NATIONAL GRID PLC COM 636274409 17,553 303,742 SH   SOLE   285,506 0 18,236
NESTLE SA SPONSORED ADR COM 641069406 310 2,597 SH   SOLE   2,597 0 0
NEXTERA ENERGY INC COM 65339f101 43,074 155,189 SH   SOLE   148,014 0 7,175
NORFOLK SOUTHERN CORP COM 655844108 25,647 119,853 SH   SOLE   113,341 0 6,512
NORTHROP GRUMMAN CORP COM 666807102 428 1,356 SH   SOLE   1,356 0 0
OGE ENERGY CORP COM 670837103 298 9,934 SH   SOLE   9,934 0 0
ORACLE CORP COM 68389X105 36,163 605,753 SH   SOLE   587,053 0 18,700
PEPSICO INC COM 713448108 34,391 248,132 SH   SOLE   238,935 0 9,198
PFIZER INC COM 717081103 2,950 80,373 SH   SOLE   78,998 0 1,375
PHILIP MORRIS INTL COM 718172109 19,511 260,185 SH   SOLE   247,940 0 12,245
PHILLIPS 66 COM 718546104 322 6,203 SH   SOLE   6,203 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 24,292 221,013 SH   SOLE   211,893 0 9,120
PORTLAND GENERAL ELECTRIC CO COM 736508847 2,748 77,396 SH   SOLE   72,856 0 4,540
PPG INDUSTRIES INC COM 693506107 25,740 210,846 SH   SOLE   203,471 0 7,375
PROCTER & GAMBLE CO COM 742718109 38,839 279,439 SH   SOLE   268,945 0 10,494
PROGRESSIVE CORP COM 743315103 27,121 286,480 SH   SOLE   274,500 0 11,980
QUALCOMM INC COM 747525103 42,519 361,312 SH   SOLE   345,520 0 15,791
QUEST DIAGNOSTICS INC COM 74834L100 27,440 239,668 SH   SOLE   229,072 0 10,595
RAYTHEON TECHNOLOGIES CORP COM 75513e101 385 6,691 SH   SOLE   6,691 0 0
RLI CORP COM 749607107 172,775 2,063,482 SH   SOLE   2,063,482 0 0
RPM INTERNATIONAL INC COM 749685103 6,302 76,071 SH   SOLE   70,871 0 5,200
S&P GLOBAL INC COM 78409v104 46,100 127,842 SH   SOLE   123,857 0 3,985
SCHWAB US AGGREGATE BOND ETF COM 808524839 1,136 20,259 SH   SOLE   9,644 0 10,615
SCHWAB US BROAD MKT ETF COM 808524102 299 3,751 SH   SOLE   3,751 0 0
SCHWAB US DVD EQUITY ETF COM 808524797 10,806 195,412 SH   SOLE   131,272 0 64,140
SCHWAB US LARGE GROWTH ETF COM 808524300 292 2,539 SH   SOLE   2,539 0 0
SEMPRA ENERGY COM 816851109 218 1,843 SH   SOLE   1,843 0 0
SHERWIN WILLIAMS CO COM 824348106 394 565 SH   SOLE   565 0 0
SOUTH JERSEY INDUSTRIES COM 838518108 12,843 666,489 SH   SOLE   637,609 0 28,880
SOUTHERN CO COM 842587107 25,828 476,347 SH   SOLE   454,272 0 22,075
SPDR GOLD TRUST COM 78463v107 240 1,355 SH   SOLE   1,355 0 0
SPDR S&P 500 ETF TRUST COM 78462f103 1,623 4,846 SH   SOLE   2,330 0 2,516
STANLEY BLACK & DECKER INC. COM 854502101 32,739 201,845 SH   SOLE   192,760 0 9,085
STARBUCKS CORP COM 855244109 388 4,516 SH   SOLE   4,466 0 50
STRYKER CORP COM 863667101 902 4,330 SH   SOLE   4,330 0 0
T ROWE PRICE ASSOCIATES COM 74144t108 27,686 215,926 SH   SOLE   206,991 0 8,935
TARGET CORP COM 87612E106 46,898 297,917 SH   SOLE   286,316 0 11,601
TC ENERGY CORP COM 87807b107 20,309 483,327 SH   SOLE   462,062 0 21,265
TECHNOLOGY SELECT SECTOR SPDR COM 81369Y803 1,085 9,297 SH   SOLE   9,297 0 0
TESLA INC COM 88160r101 233 542 SH   SOLE   542 0 0
TEXAS INSTRUMENTS INC COM 882508104 49,027 343,352 SH   SOLE   331,852 0 11,500
THE WALT DISNEY CO COM 254687106 34,929 281,500 SH   SOLE   272,117 0 9,383
TRAVELERS COMPANIES INC COM 89417e109 945 8,737 SH   SOLE   8,737 0 0
TRUIST FINANCIAL CORP COM 89832q109 22,935 602,754 SH   SOLE   574,908 0 27,845
UNION PACIFIC CORP COM 907818108 1,045 5,310 SH   SOLE   5,210 0 100
UNITED PARCEL SERVICE B COM 911312106 39,474 236,896 SH   SOLE   228,013 0 8,883
UNITEDHEALTH GROUP COM 91324P102 49,450 158,609 SH   SOLE   154,114 0 4,495
US BANCORP COM 902973304 20,001 557,902 SH   SOLE   533,421 0 24,481
UTILITIES SELECT SECTOR SPDR COM 81369Y886 5,077 85,507 SH   SOLE   55,694 0 29,813
VANGUARD DIVIDEND APPRECIATION ETF COM 921908844 898 6,981 SH   SOLE   5,871 0 1,110
VANGUARD FTSE EMERGING MARKETS ETF COM 922042858 1,234 28,534 SH   SOLE   28,534 0 0
VANGUARD S&P 500 ETF COM 922908363 485 1,578 SH   SOLE   90 0 1,488
VANGUARD SHORT-TERM CORPORATE ETF COM 92206c409 1,185 14,307 SH   SOLE   9,072 0 5,235
VANGUARD SHORT-TERM BOND ETF COM 921937827 565 6,807 SH   SOLE   6,807 0 0
VANGUARD TOTAL BOND MKT COM 921937835 272 3,078 SH   SOLE   3,078 0 0
VERIZON COMMUNICATIONS COM 92343v104 42,397 712,667 SH   SOLE   683,803 0 28,864
VISA INC CLASS A SHARES COM 92826c839 202 1,008 SH   SOLE   1,008 0 0
WALGREENS BOOTS ALLIANCE INC COM 931427108 223 6,207 SH   SOLE   6,207 0 0
WALMART INC COM 931142103 1,359 9,711 SH   SOLE   9,711 0 0
WASTE MANAGEMENT INC COM 94106L109 204 1,799 SH   SOLE   1,799 0 0
WEC ENERGY GROUP INC COM 92939u106 504 5,200 SH   SOLE   5,200 0 0
WELLS FARGO & COMPANY COM 949746101 353 15,000 SH   SOLE   14,900 0 100
WESTERN DIGITAL CORP COM 958102105 265 7,245 SH   SOLE   7,195 0 50
WILLIAMS COS INC COM 969457100 16,446 836,941 SH   SOLE   792,861 0 44,080
WORTHINGTON INDUSTRIES INC COM 981811102 533 13,063 SH   SOLE   13,063 0 0
XCEL ENERGY COM 98389B100 35,619 516,136 SH   SOLE   494,200 0 21,936