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 2,125 12,156 SH   SOLE 0 0 0 12,156
ABBOTT LABS COM 002824100 4,522 41,298 SH   SOLE 0 0 0 41,298
ABBVIE INC SHS COM 00287y109 2,835 26,454 SH   SOLE 0 0 0 26,454
ACCENTURE PLC SHS COM g1151c101 8,773 33,586 SH   SOLE 0 0 0 33,586
AFLAC INC COM COM 001055102 489 11,006 SH   SOLE 0 0 0 11,006
ALLSTATE CORP DEL COM COM 020002101 379 3,450 SH   SOLE 0 0 0 3,450
ALPHABET INC SHS CL A COM 02079k305 428 244 SH   SOLE 0 0 0 244
ALPHABET INC SHS CL C COM 02079k107 2,227 1,271 SH   SOLE 0 0 0 1,271
AMAZON COM INC COM COM 023135106 1,179 362 SH   SOLE 0 0 0 362
AMGEN INC COM COM 031162100 288 1,251 SH   SOLE 0 0 0 1,251
APPLE INC COM 037833100 14,170 106,793 SH   SOLE 0 0 0 106,793
APPLIED MATERIAL INC COM 038222105 847 9,820 SH   SOLE 0 0 0 9,820
BANK OF NOVA SCOTIA COM 064149107 938 17,357 SH   SOLE 0 0 0 17,357
BANKAMERICA CORP COM COM 060505104 320 10,564 SH   SOLE 0 0 0 10,564
BERKSHIRE HATHAWAYINC DEL CL COM 084670702 275 1,187 SH   SOLE 0 0 0 1,187
BLACKROCK INC COM 09247x101 563 780 SH   SOLE 0 0 0 780
BOOKING HLDGS INC USD0.0 COM 09857l108 388 174 SH   SOLE 0 0 0 174
CANADIAN NATL RAILWAY CO COM 136375102 2,741 24,954 SH   SOLE 0 0 0 24,954
CHEVRON CORP COM 166764100 977 11,574 SH   SOLE 0 0 0 11,574
CVS HEALTH CORP COM 126650100 659 9,650 SH   SOLE 0 0 0 9,650
DISNEY (WALT) CO COM STK COM 254687106 955 5,272 SH   SOLE 0 0 0 5,272
ECOLAB INC COM 278865100 4,266 19,716 SH   SOLE 0 0 0 19,716
EDWARDS LIFESCIENCES CRP COM 28176e108 472 5,175 SH   SOLE 0 0 0 5,175
ENERGY TRANSFER LP P COM 29273v100 72 11,613 SH   SOLE 0 0 0 11,613
ENTERPRISE PRDTS PRTN LPL P COM 293792107 1,860 94,964 SH   SOLE 0 0 0 94,964
FISERV INC WISC PV 1CT COM 337738108 4,445 39,041 SH   SOLE 0 0 0 39,041
FOOT LOCKER INC N.Y. COM COM 344849104 1,074 26,567 SH   SOLE 0 0 0 26,567
FULTON FINL CORP PA COM COM 360271100 131 10,294 SH   SOLE 0 0 0 10,294
GALLAGHER ARTHUR J & CO COM 363576109 5,441 43,985 SH   SOLE 0 0 0 43,985
GENERAL ELECTRIC COM 369604103 170 15,781 SH   SOLE 0 0 0 15,781
GENL DYNAMICS CORP COM COM 369550108 796 5,350 SH   SOLE 0 0 0 5,350
GOLDMAN SACHS GROUP INC COM 38141g104 1,491 5,654 SH   SOLE 0 0 0 5,654
HONEYWELL INTL INC DEL COM 438516106 6,760 31,781 SH   SOLE 0 0 0 31,781
IAMGOLD CORP F COM 450913108 37 10,000 SH   SOLE 0 0 0 10,000
ILLINOIS TOOL WORKS INC COM 452308109 581 2,850 SH   SOLE 0 0 0 2,850
INTEL CORP COM 458140100 3,877 77,818 SH   SOLE 0 0 0 77,818
INTERDIGITAL INC COM 45867g101 607 10,000 SH   SOLE 0 0 0 10,000
JOHNSON AND JOHNSON COM COM 478160104 6,046 38,418 SH   SOLE 0 0 0 38,418
JPMORGAN CHASE & CO COM 46625h100 5,331 41,950 SH   SOLE 0 0 0 41,950
KIMBERLY CLARK COM 494368103 296 2,195 SH   SOLE 0 0 0 2,195
KINDER MORGAN INC. DEL COM 49456b101 715 52,333 SH   SOLE 0 0 0 52,333
L & L ENERGY INC COM 50162d100 0 11,000 SH   SOLE 0 0 0 11,000
LOCKHEED MARTIN CORP COM 539830109 3,259 9,181 SH   SOLE 0 0 0 9,181
MEDTRONIC PLC SHS COM g5960l103 4,791 40,897 SH   SOLE 0 0 0 40,897
MICROSOFT CORP COM 594918104 9,107 40,946 SH   SOLE 0 0 0 40,946
NIKE INC CL B COM 654106103 6,416 45,351 SH   SOLE 0 0 0 45,351
NVIDIA COM 67066g104 1,646 3,153 SH   SOLE 0 0 0 3,153
O REILLY AUTOMOTIVE COM 67103h107 204 450 SH   SOLE 0 0 0 450
ORACLE CORP $0.01 DEL COM 68389x105 2,262 34,965 SH   SOLE 0 0 0 34,965
PAYCHEX INC COM COM 704326107 335 3,600 SH   SOLE 0 0 0 3,600
PEPSICO INC COM 713448108 2,151 14,504 SH   SOLE 0 0 0 14,504
PRICE T ROWE GROUP INC COM 74144t108 6,207 40,999 SH   SOLE 0 0 0 40,999
PROCTER & GAMBLE CO COM 742718109 4,369 31,401 SH   SOLE 0 0 0 31,401
QUALCOMM INC COM 747525103 4,989 32,751 SH   SOLE 0 0 0 32,751
RAYTHEON TECHNOLOGIES ORD SHS COM 75513E101 4,368 61,088 SH   SOLE 0 0 0 61,088
SCHWAB 1 5 YEAR CORP BOND E COM 808524714 420 8,180 SH   SOLE 0 0 0 8,180
SKYWORKS SOLUTIONS INC COM 83088m102 6,439 42,118 SH   SOLE 0 0 0 42,118
STRYKER CORP COM 863667101 4,184 17,074 SH   SOLE 0 0 0 17,074
TJX COS INC NEW COM 872540109 5,949 87,114 SH   SOLE 0 0 0 87,114
UNITEDHEALTH GROUP INC COM 91324p102 4,722 13,465 SH   SOLE 0 0 0 13,465
VALERO ENERGY CORP NEW COM 91913y100 593 10,487 SH   SOLE 0 0 0 10,487
VARIAN MEDICAL SYS INC COM 92220p105 438 2,500 SH   SOLE 0 0 0 2,500
VERIZON COMMUNICATNS COM COM 92343v104 266 4,523 SH   SOLE 0 0 0 4,523
WILLIAMS SONOMA INC COM 969904101 3,912 38,412 SH   SOLE 0 0 0 38,412
NOVARTIS ADR ADR 66987v109 3,390 35,900 SH   SOLE 0 0 0 35,900
NOVO NORDISK A S ADR ADR 670100205 3,987 57,074 SH   SOLE 0 0 0 57,074
UNILEVER PLC NEW ADR ADR 904767704 1,957 32,421 SH   SOLE 0 0 0 32,421
ISHARES CORE S&P TOTAL US STOC ETF 464287150 207 2,400 SH   SOLE 0 0 0 2,400
SCHWAB BRD MKT ETF ETF 808524102 1,127 12,390 SH   SOLE 0 0 0 12,390
SCHWAB STRATEGIC TR US MID CA ETF 808524508 3,871 56,781 SH   SOLE 0 0 0 56,781
SCHWAB US DIVIDEND EQTY ETF 808524797 5,893 91,873 SH   SOLE 0 0 0 91,873
SCHWAB US LCAP GR ETF ETF 808524300 4,511 35,126 SH   SOLE 0 0 0 35,126
SCHWAB US SMALL-CAP ETF ETF 808524607 2,005 22,528 SH   SOLE 0 0 0 22,528
VANECK VECTORS AGRIBUSINESS ET ETF 92189f700 273 3,500 SH   SOLE 0 0 0 3,500
VANGUARD ADMIRAL FDS I 500 GRT ETF 921932505 3,293 14,312 SH   SOLE 0 0 0 14,312
VANGUARD DIVIDEND APPREC ETF 921908844 1,244 8,810 SH   SOLE 0 0 0 8,810
VANGUARD INDEX FDS SML CP GRW ETF 922908595 1,339 5,003 SH   SOLE 0 0 0 5,003
VANGUARD MEGA CAP ETF ETF 921910873 251 1,880 SH   SOLE 0 0 0 1,880
VANGUARD TOTAL STK MKT ETF ETF 922908769 464 2,382 SH   SOLE 0 0 0 2,382
WISDOMTREE TR US SMALLCP ERNGS ETF 97717W562 3,953 101,556 SH   SOLE 0 0 0 101,556
ISHARES EDGE MSCI MULTIF ETF 46434v274 1,553 57,154 SH   SOLE 0 0 0 57,154
ISHARES INTL SELECT DIVIDE ETF 464288448 665 22,550 SH   SOLE 0 0 0 22,550
ISHARES MSCI EMERGING MKTS ETF 464287234 1,049 20,300 SH   SOLE 0 0 0 20,300
SCHWAB EMERGING MARKETS EQUITY ETF 808524706 1,442 47,062 SH   SOLE 0 0 0 47,062
SCHWAB INTL EQTY ETF ETF 808524805 516 14,328 SH   SOLE 0 0 0 14,328
VANGUARD FTSE DEVELOPED MARKET ETF 921943858 4,923 104,280 SH   SOLE 0 0 0 104,280
WISDOMTREE INTL S/C DV F ETF 97717w760 1,353 19,868 SH   SOLE 0 0 0 19,868
VANGUARD REIT ETF ETF 922908553 272 3,200 SH   SOLE 0 0 0 3,200