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
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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 Co. COM 88579Y101 4,254 24,338 SH   SOLE   24,338 0 0
Adobe Systems Inc. COM 00724F101 5,228 10,453 SH   SOLE   10,453 0 0
Aflac Inc. COM 001055102 3,433 77,206 SH   SOLE   77,206 0 0
Alphabet Inc. Class C COM 02079k107 14,789 8,442 SH   SOLE   8,442 0 0
Amazon.com Inc. COM 023135106 16,728 5,136 SH   SOLE   5,136 0 0
American Tower Corp. COM 03027x100 13,376 59,593 SH   SOLE   59,593 0 0
Amgen Inc. COM 031162100 8,364 36,376 SH   SOLE   36,376 0 0
Apple Inc. COM 037833100 23,340 175,898 SH   SOLE   175,898 0 0
Autodesk Inc. COM 052769106 9,802 32,103 SH   SOLE   32,103 0 0
Avanos Medical Inc. COM 05350v106 287 6,249 SH   SOLE   6,249 0 0
Baxter International Inc. COM 071813109 4,976 62,017 SH   SOLE   62,017 0 0
Black Knight Inc. COM 09215c105 1,873 21,198 SH   SOLE   21,198 0 0
Boeing Co. COM 097023105 1,290 6,026 SH   SOLE   6,026 0 0
Brighthouse Financial Inc. COM 10922n103 240 6,637 SH   SOLE   6,637 0 0
CVS Health Corp. COM 126650100 7,818 114,464 SH   SOLE   114,464 0 0
Chevron COM 166764100 76 90 SH   SOLE   90 0 0
Colgate-Palmolive Co. COM 194162103 5,708 66,753 SH   SOLE   66,753 0 0
Cummins Inc. COM 231021106 318 1,400 SH   SOLE   1,400 0 0
Dominion Energy Inc. COM 25746U109 3,620 48,139 SH   SOLE   48,139 0 0
Eli Lilly & Co. COM 532457108 850 5,038 SH   SOLE   5,038 0 0
Exxon Mobil Corp. COM 30231G102 2,444 59,295 SH   SOLE   59,295 0 0
Facebook Inc. COM 30303m102 7,571 27,717 SH   SOLE   27,717 0 0
Fidelity National Financial In COM 31620r303 5,369 137,343 SH   SOLE   137,343 0 0
Goldman Sachs Group Inc. COM 38141G104 8,155 30,926 SH   SOLE   30,926 0 0
Home Depot Inc. COM 437076102 16,565 62,362 SH   SOLE   62,362 0 0
Honeywell International Inc. COM 438516106 13,486 63,405 SH   SOLE   63,405 0 0
IDEX Corp. COM 45167R104 279 1,400 SH   SOLE   1,400 0 0
JPMorgan Chase & Co. COM 46625H100 12,173 95,796 SH   SOLE   95,796 0 0
Johnson & Johnson COM 478160104 15,612 99,198 SH   SOLE   99,198 0 0
Linde PLC COM g5494j103 16,799 63,750 SH   SOLE   63,750 0 0
Lowe's Companies Inc. COM 548661107 9,032 56,272 SH   SOLE   56,272 0 0
McCormick & Co. Inc. COM 579780206 382 4,000 SH   SOLE   4,000 0 0
Medtronic PLC COM g5960l103 19,829 169,273 SH   SOLE   169,273 0 0
Merck & Co. Inc. COM 58933Y105 233 2,846 SH   SOLE   2,846 0 0
Microsoft Corp. COM 594918104 25,692 115,512 SH   SOLE   115,512 0 0
Nike Inc. COM 654106103 801 5,660 SH   SOLE   5,660 0 0
PepsiCo Inc. COM 713448108 9,511 64,133 SH   SOLE   64,133 0 0
Phillips 66 COM 718546104 7,211 103,096 SH   SOLE   103,096 0 0
Roche Holdings Ltd. (ADR) COM 771195104 2,642 60,272 SH   SOLE   60,272 0 0
TJX Companies Inc. COM 872540109 20,039 293,444 SH   SOLE   293,444 0 0
The Walt Disney Co. COM 254687106 6,611 36,486 SH   SOLE   36,486 0 0
Union Pacific Corp. COM 907818108 9,087 43,642 SH   SOLE   43,642 0 0
UnitedHealth Group Inc. COM 91324P102 11,474 32,720 SH   SOLE   32,720 0 0
VF Corp. COM 918204108 14,681 171,885 SH   SOLE   171,885 0 0
Visa Inc. Class A COM 92826c839 21,110 96,513 SH   SOLE   96,513 0 0
W.R. Berkley Corp. COM 084423102 11,728 176,580 SH   SOLE   176,580 0 0
Vanguard FTSE Developed Market ETF 921943858 49,400 1,046,383 SH   SOLE   1,046,383 0 0
Vanguard FTSE Emerging Markets ETF 922042858 13,227 263,966 SH   SOLE   263,966 0 0
iShares Core S&P Small Cap ETF ETF 464287804 20,978 228,270 SH   SOLE   228,270 0 0
Fidelity Contrafund ETF 316071109 1,221 72,862 SH   SOLE   72,862 0 0
JPMorgan Equity Income Fund I ETF 4812c0498 306 15,521 SH   SOLE   15,521 0 0
MFS Mass Investors Growth Stoc ETF 575719109 474 12,650 SH   SOLE   12,650 0 0
Principal Large Cap Growth Fun ETF 74253j784 682 33,415 SH   SOLE   33,415 0 0
SPDR Portfolio S&P 500 Growth ETF 78464a409 254 4,590 SH   SOLE   4,590 0 0
SPDR S&P 500 ETF ETF 78462F103 4,388 11,737 SH   SOLE   11,737 0 0
Vanguard 500 Index Fund Adm ETF 922908710 401 1,158 SH   SOLE   1,158 0 0
iShares S&P 500 Growth ETF ETF 464287309 1,072 16,800 SH   SOLE   16,800 0 0
SPDR Barclays High Yield Bond ETF 78468r622 2,649 24,320 SH   SOLE   24,320 0 0
VanEck Vectors Fallen Angel Hi ETF 912189f43 5,346 166,530 SH   SOLE   166,530 0 0
Vanguard GNMA Fund Admiral ETF 922031794 132 12,278 SH   SOLE   12,278 0 0
Vanguard Health Care ETF 92204A504 1 6 SH   SOLE   6 0 0
Vanguard Short-Term Bond ETF 921937827 2 24 SH   SOLE   24 0 0
Vanguard S&P 500 ETF ETF 922908363 3 10 SH   SOLE   10 0 0
Vanguard Total Stock Market ETF 922908769 2 10 SH   SOLE   10 0 0
SPDR Gold Trust ETF 78463v107 10,908 61,155 SH   SOLE   61,155 0 0
iShares Gold Trust ETF 464285105 6,224 343,309 SH   SOLE   343,309 0 0