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 652 5,036 SH   SOLE   5,036 0 0
Abbott Laboratories COM 002824100 2,762 25,417 SH   SOLE   25,417 0 0
Abbvie Inc COM 00287Y109 5,402 35,269 SH   SOLE   35,269 0 0
Agribank FCB VRN PERP Pfd PFD 00850L203 236 2,350 SH   SOLE   2,350 0 0
Air Products & Chemicals COM 009158106 651 2,707 SH   SOLE   2,707 0 0
Alphabet Inc-CL A COM 02079K305 6,154 2,824 SH   SOLE   2,824 0 0
Alphabet Inc-CL C COM 02079K107 1,822 833 SH   SOLE   833 0 0
Amazon.com Inc COM 023135106 2,801 26,372 SH   SOLE   26,372 0 0
American Express Co COM 025816109 3,806 27,456 SH   SOLE   27,456 0 0
Amgen Inc COM 031162100 801 3,292 SH   SOLE   3,292 0 0
Apple Inc COM 037833100 6,519 47,685 SH   SOLE   47,685 0 0
Avalonbay Communities COM 053484101 241 1,243 SH   SOLE   1,243 0 0
Avery Dennison Corp COM 053611109 377 2,331 SH   SOLE   2,331 0 0
Bank of America Corp COM 060505104 904 29,029 SH   SOLE   29,029 0 0
BlackRock Inc COM 09247X101 275 452 SH   SOLE   452 0 0
Bloom Energy Corp COM 093712107 469 28,400 SH   SOLE   28,400 0 0
Boeing Co COM 097023105 1,156 8,458 SH   SOLE   8,458 0 0
Booking Holdings Inc. COM 09857L108 1,147 656 SH   SOLE   656 0 0
Bristol-Myers Squibb Co COM 110122108 4,046 52,540 SH   SOLE   52,540 0 0
Broadcom Inc COM 11135F101 3,886 7,999 SH   SOLE   7,999 0 0
Brunswick Corp 6.5 Pfd PFD 117043406 238 9,338 SH   SOLE   9,338 0 0
Carrier Global COM 14448C104 632 17,709 SH   SOLE   17,709 0 0
Caterpillar Inc COM 149123101 1,935 10,827 SH   SOLE   10,827 0 0
Charles Schwab 4.45 Pfd PFD 808513865 770 37,700 SH   SOLE   37,700 0 0
Charles Schwab Corp COM 808513105 729 11,538 SH   SOLE   11,538 0 0
Chevron Corp COM 166764100 3,130 21,622 SH   SOLE   21,622 0 0
Chipotle Mexican Grill Inc COM 169656105 259 198 SH   SOLE   198 0 0
Cigna Corp COM 125523100 1,173 4,453 SH   SOLE   4,453 0 0
Cisco Systems Inc COM 17275R102 590 13,828 SH   SOLE   13,828 0 0
Citigroup Inc COM 172967424 201 4,370 SH   SOLE   4,370 0 0
Coca-Cola Co COM 191216100 1,548 24,609 SH   SOLE   24,609 0 0
ConocoPhillips COM 20825C104 373 4,156 SH   SOLE   4,156 0 0
CrowdStrike Holdings Inc COM 22788C105 567 3,361 SH   SOLE   3,361 0 0
CSX Corp COM 126408103 1,002 34,476 SH   SOLE   34,476 0 0
Cummins Inc COM 231021106 498 2,573 SH   SOLE   2,573 0 0
Danaher Corp COM 235851102 977 3,853 SH   SOLE   3,853 0 0
Disney (Walt) Co/The COM 254687106 434 4,599 SH   SOLE   4,599 0 0
Eaton Corp PLC COM G29183103 2,737 21,727 SH   SOLE   21,727 0 0
Emerson Electric Co COM 291011104 1,057 13,292 SH   SOLE   13,292 0 0
EOG Resources Inc COM 26875P101 767 6,943 SH   SOLE   6,943 0 0
Exxon Mobil Corp COM 30231G102 3,935 45,945 SH   SOLE   45,945 0 0
Fallen Angel High Yield ETF COM 92189F437 224 8,289 SH   SOLE   8,289 0 0
Fastenal Co COM 311900104 255 5,107 SH   SOLE   5,107 0 0
General Electric Co. COM 369604301 249 3,909 SH   SOLE   3,909 0 0
General Motors Co COM 37045V100 858 27,000 SH   SOLE   27,000 0 0
Goldman Sachs Group Inc COM 38141G104 953 3,208 SH   SOLE   3,208 0 0
Home Depot Inc COM 437076102 1,488 5,425 SH   SOLE   5,425 0 0
Honeywell International COM 438516106 4,481 25,781 SH   SOLE   25,781 0 0
HP Inc COM 40434L105 424 12,940 SH   SOLE   12,940 0 0
Huntington Bank 4.50 Pfd PFD 446150823 552 29,800 SH   SOLE   29,800 0 0
IBM Corp COM 459200101 1,008 7,139 SH   SOLE   7,139 0 0
Illinois Tool Works COM 452308109 261 1,430 SH   SOLE   1,430 0 0
Illumina Inc COM 452327109 378 2,053 SH   SOLE   2,053 0 0
Intel Corp COM 458140100 1,145 30,606 SH   SOLE   30,606 0 0
ISHARES 0-3M Tresaury Bond COM 46436E718 389 3,884 SH   SOLE   3,884 0 0
iShares 1-3 Year Treasury Bond ETF COM 464287457 414 5,000 SH   SOLE   5,000 0 0
IShares 1-5 Year Investment Grade Corp COM 464288646 707 13,985 SH   SOLE   13,985 0 0
IShares 5-10 Year Investment Grade Corp COM 464288638 1,570 30,741 SH   SOLE   30,741 0 0
iShares 7-10 Year Treasury Bond ETF COM 464287440 1,357 13,264 SH   SOLE   13,264 0 0
iShares Barclays Agg Bond COM 464287226 12,618 124,098 SH   SOLE   124,098 0 0
IShares Broad USD HY Corp Bond ETF COM 46435U853 433 12,508 SH   SOLE   12,508 0 0
iShares Core S&P 500 ETF COM 464287200 957 2,525 SH   SOLE   2,525 0 0
iShares MBS Bond ETF COM 464288588 19,112 196,039 SH   SOLE   196,039 0 0
iShares MSCI EAFE Index Fd COM 464287465 1,617 25,880 SH   SOLE   25,880 0 0
iShares MSCI Emrg Mkt Indx COM 464287234 1,362 33,975 SH   SOLE   33,975 0 0
iShares Preferred & Income Sec ETF COM 464288687 278 8,461 SH   SOLE   8,461 0 0
iShares S&P Global 100 Fd COM 464287572 2,552 39,830 SH   SOLE   39,830 0 0
iShares S&P Midcap 400 COM 464287507 670 2,963 SH   SOLE   2,963 0 0
iShares S&P SmallCap 600 COM 464287804 2,241 24,255 SH   SOLE   24,255 0 0
J P Morgan Chase COM 46625H100 4,807 42,690 SH   SOLE   42,690 0 0
Johnson & Johnson COM 478160104 3,778 21,282 SH   SOLE   21,282 0 0
Keysight Technologies Inc W/I COM 49338L103 356 2,584 SH   SOLE   2,584 0 0
Lilly (Eli) & Co COM 532457108 3,336 10,290 SH   SOLE   10,290 0 0
Linde PLC COM G5494J103 2,210 7,687 SH   SOLE   7,687 0 0
Lowe's Companies Inc COM 548661107 922 5,280 SH   SOLE   5,280 0 0
Marsh & McLennan Cos Inc COM 571748102 965 6,215 SH   SOLE   6,215 0 0
Mastercard Inc COM 57636Q104 455 1,442 SH   SOLE   1,442 0 0
McKesson Corp W/RTS COM 58155Q103 205 627 SH   SOLE   627 0 0
Medtronic PLC COM G5960L103 433 4,827 SH   SOLE   4,827 0 0
Merck & Company COM 58933Y105 1,553 17,031 SH   SOLE   17,031 0 0
Meta Platforms Inc. COM 30303M102 944 5,857 SH   SOLE   5,857 0 0
Microsoft Corp COM 594918104 12,641 49,221 SH   SOLE   49,221 0 0
Mimedx Group Inc COM 602496101 505 145,490 SH   SOLE   145,490 0 0
Mondelez International Inc COM 609207105 499 8,029 SH   SOLE   8,029 0 0
National Rural Util Corp 5.5 Pfd PFD 637432105 231 9,612 SH   SOLE   9,612 0 0
Nextera Energy Capital 5.65 Pfd PFD 65339K860 225 8,948 SH   SOLE   8,948 0 0
Nextera Energy Inc COM 65339F101 1,413 18,248 SH   SOLE   18,248 0 0
NVIDIA Corp COM 67066G104 455 3,000 SH   SOLE   3,000 0 0
O'Reilly Automotive Inc COM 67103H107 1,143 1,809 SH   SOLE   1,809 0 0
Organon & Company COM 68622V106 262 7,771 SH   SOLE   7,771 0 0
Otis Worldwide Corp COM 68902V107 229 3,238 SH   SOLE   3,238 0 0
Parker Hannifin Corp COM 701094104 638 2,591 SH   SOLE   2,591 0 0
PayPal Holdings Inc COM 70450Y103 1,372 19,638 SH   SOLE   19,638 0 0
PepsiCo Inc COM 713448108 3,211 19,269 SH   SOLE   19,269 0 0
Pfizer Inc COM 717081103 3,190 60,842 SH   SOLE   60,842 0 0
Phillips 66 COM 718546104 1,038 12,659 SH   SOLE   12,659 0 0
Pinterest Inc. COM 72352L106 316 17,427 SH   SOLE   17,427 0 0
Plug Power Inc COM 72919P202 524 31,633 SH   SOLE   31,633 0 0
Procter & Gamble Co COM 742718109 2,723 18,934 SH   SOLE   18,934 0 0
Qualcomm Inc COM 747525103 2,574 20,147 SH   SOLE   20,147 0 0
Raytheon Technologies Corp COM 75513E101 1,371 14,270 SH   SOLE   14,270 0 0
Regeneron Pharmaceuticals COM 75886F107 571 966 SH   SOLE   966 0 0
Roper Industries COM 776696106 464 1,175 SH   SOLE   1,175 0 0
Salesforce Inc. COM 79466L302 1,184 7,173 SH   SOLE   7,173 0 0
Schwab US Dividend Equity ETF COM 808524797 1,212 16,916 SH   SOLE   16,916 0 0
Shell PLC - ADR COM 780259305 450 8,613 SH   SOLE   8,613 0 0
Southern Co 4.20 Pfd PFD 842587883 192 10,100 SH   SOLE   10,100 0 0
SPDR Barclays ST HY Bond COM 78468R408 936 38,803 SH   SOLE   38,803 0 0
SPDR Blackstone Senior Loan ETF COM 78467V608 3,082 74,024 SH   SOLE   74,024 0 0
SPDR Bloomberg Barclays Inv Grade FR ETF COM 78468R200 275 9,145 SH   SOLE   9,145 0 0
SPDR Interm TSY ETF COM 78464A672 1,182 40,106 SH   SOLE   40,106 0 0
SPDR Port Long Term Treasury ETF COM 78464A664 848 25,638 SH   SOLE   25,638 0 0
SPDR S & P 500 ETF Trust COM 78462F103 17,754 47,061 SH   SOLE   47,061 0 0
SPDR S & P Midcap 400 ETF COM 78467Y107 5,760 13,930 SH   SOLE   13,930 0 0
Synchrony Financial COM 87165B103 292 10,568 SH   SOLE   10,568 0 0
Sysco Corp COM 871829107 240 2,835 SH   SOLE   2,835 0 0
Target Corp COM 87612E106 1,936 13,707 SH   SOLE   13,707 0 0
Texas Instruments Inc COM 882508104 246 1,600 SH   SOLE   1,600 0 0
Thermo Fisher Corp COM 883556102 2,306 4,245 SH   SOLE   4,245 0 0
Trane Technologies PLC COM G8994E103 767 5,909 SH   SOLE   5,909 0 0
Travelers Companies Inc COM 89417E109 600 3,547 SH   SOLE   3,547 0 0
Unilever PLC-Sponsored ADR COM 904767704 454 9,902 SH   SOLE   9,902 0 0
United Parcel Services B COM 911312106 954 5,226 SH   SOLE   5,226 0 0
US Bancorp COM 902973304 690 15,000 SH   SOLE   15,000 0 0
US Bank 4.00 Pfd PFD 902973718 1,682 90,315 SH   SOLE   90,315 0 0
Vanguard Growth ETF COM 922908736 466 2,089 SH   SOLE   2,089 0 0
Vanguard Long-Term Corp Bond ETF COM 92206C813 718 8,854 SH   SOLE   8,854 0 0
Vanguard S&P 500 ETF COM 922908363 2,809 8,097 SH   SOLE   8,097 0 0
Verizon Communications Inc COM 92343V104 332 6,550 SH   SOLE   6,550 0 0
Visa Inc Cl-A Shares COM 92826C839 2,106 10,698 SH   SOLE   10,698 0 0
Wal Mart Inc. COM 931142103 210 1,730 SH   SOLE   1,730 0 0
Walgreens Boots Alliance COM 931427108 828 21,841 SH   SOLE   21,841 0 0
Whirlpool Corp COM 963320106 356 2,300 SH   SOLE   2,300 0 0
Zebra Technologies Corp Cl COM 989207105 1,224 4,163 SH   SOLE   4,163 0 0