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 FIGI (to the nearest dollar) 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