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 4,900 25,433 SH   SOLE   25,433 0 0
Adobe Systems Inc. COM 00724F101 4,988 10,493 SH   SOLE   10,493 0 0
Aflac Inc. COM 001055102 3,745 73,176 SH   SOLE   73,176 0 0
Alphabet Inc. Class C COM 02079k107 12,375 5,982 SH   SOLE   5,982 0 0
Amazon.com Inc. COM 023135106 15,993 5,169 SH   SOLE   5,169 0 0
American Tower Corp. COM 03027x100 14,230 59,523 SH   SOLE   59,523 0 0
Amgen Inc. COM 031162100 8,997 36,161 SH   SOLE   36,161 0 0
Anthem Inc. COM 036752103 213 594 SH   SOLE   594 0 0
Apple Inc. COM 037833100 17,367 142,181 SH   SOLE   142,181 0 0
Autodesk Inc. COM 052769106 9,033 32,594 SH   SOLE   32,594 0 0
Avanos Medical Inc. COM 05350v106 238 5,449 SH   SOLE   5,449 0 0
BP PLC (ADR) COM 055622104 6,032 247,710 SH   SOLE   247,710 0 0
Bank of America Corp. COM 060505104 12,366 319,608 SH   SOLE   319,608 0 0
Black Knight Inc. COM 09215c105 1,196 16,167 SH   SOLE   16,167 0 0
Boeing Co. COM 097023105 1,535 6,026 SH   SOLE   6,026 0 0
Brighthouse Financial Inc. COM 10922n103 255 5,768 SH   SOLE   5,768 0 0
CVS Health Corp. COM 126650100 8,594 114,237 SH   SOLE   114,237 0 0
Chevron Corp. COM 166764100 1,000 1 SH   SOLE   1 0 0
Colgate-Palmolive Co. COM 194162103 5,294 67,153 SH   SOLE   67,153 0 0
Cummins Inc. COM 231021106 363 1,400 SH   SOLE   1,400 0 0
Dominion Energy Inc. COM 25746U109 3,650 48,049 SH   SOLE   48,049 0 0
Eli Lilly & Co. COM 532457108 1,107 5,149 SH   SOLE   5,149 0 0
Exxon Mobil Corp. COM 30231G102 3,329 59,635 SH   SOLE   59,635 0 0
Facebook Inc. COM 30303m102 8,205 27,857 SH   SOLE   27,857 0 0
Goldman Sachs Group Inc. COM 38141G104 10,100 30,886 SH   SOLE   30,886 0 0
Home Depot Inc. COM 437076102 18,694 61,242 SH   SOLE   61,242 0 0
Honeywell International Inc. COM 438516106 13,881 63,947 SH   SOLE   63,947 0 0
IDEX Corp. COM 45167R104 293 1,400 SH   SOLE   1,400 0 0
JPMorgan Chase & Co. COM 46625H100 14,733 96,781 SH   SOLE   96,781 0 0
Johnson & Johnson COM 478160104 16,604 101,030 SH   SOLE   101,030 0 0
Linde PLC COM g5494j103 17,823 63,620 SH   SOLE   63,620 0 0
Lowe's Companies Inc. COM 548661107 10,747 56,510 SH   SOLE   56,510 0 0
McCormick & Co. Inc. COM 579780206 357 4,000 SH   SOLE   4,000 0 0
Medtronic PLC COM g5960l103 19,784 167,480 SH   SOLE   167,480 0 0
Merck & Co. Inc. COM 58933Y105 213 2,766 SH   SOLE   2,766 0 0
Microsoft Corp. COM 594918104 21,137 89,650 SH   SOLE   89,650 0 0
Nike Inc. COM 654106103 752 5,660 SH   SOLE   5,660 0 0
PepsiCo Inc. COM 713448108 9,225 65,218 SH   SOLE   65,218 0 0
Phillips 66 COM 718546104 8,566 105,051 SH   SOLE   105,051 0 0
Roche Holdings Ltd. (ADR) COM 771195104 2,308 56,912 SH   SOLE   56,912 0 0
TJX Companies Inc. COM 872540109 19,731 298,274 SH   SOLE   298,274 0 0
The Walt Disney Co. COM 254687106 6,979 37,820 SH   SOLE   37,820 0 0
Truist Financial Corp. COM 89832q109 9,896 169,679 SH   SOLE   169,679 0 0
Union Pacific Corp. COM 907818108 15,078 68,407 SH   SOLE   68,407 0 0
UnitedHealth Group Inc. COM 91324P102 12,196 32,778 SH   SOLE   32,778 0 0
VF Corp. COM 918204108 13,772 172,322 SH   SOLE   172,322 0 0
Visa Inc. Class A COM 92826c839 15,204 71,810 SH   SOLE   71,810 0 0
W.R. Berkley Corp. COM 084423102 12,893 171,105 SH   SOLE   171,105 0 0
Vanguard FTSE Developed Market ETF 921943858 51,872 1,056,237 SH   SOLE   1,056,237 0 0
Vanguard FTSE Emerging Markets ETF 922042858 14,016 269,276 SH   SOLE   269,276 0 0
iShares Core S&P Small-Cap ETF ETF 464287804 25,044 230,755 SH   SOLE   230,755 0 0
Fidelity Contrafund ETF 316071109 1,003 59,723 SH   SOLE   59,723 0 0
JPMorgan Equity Income Fund I ETF 4812c0498 334 15,521 SH   SOLE   15,521 0 0
MFS Mass Investors Growth Stoc ETF 575719109 613 15,793 SH   SOLE   15,793 0 0
Principal Large Cap Growth Fun ETF 74253j784 684 33,153 SH   SOLE   33,153 0 0
SPDR Health Care Select Sector ETF 81369Y209 226 1,940 SH   SOLE   1,940 0 0
SPDR Portfolio S&P 500 Growth ETF 78464a409 358 6,340 SH   SOLE   6,340 0 0
SPDR Portfolio S&P 500 Value E ETF 78464a508 301 7,950 SH   SOLE   7,950 0 0
SPDR S&P 500 ETF ETF 78462F103 7,832 15,049 SH   SOLE   15,049 0 0
Vanguard 500 Index Fund Adm ETF 922908710 429 1,158 SH   SOLE   1,158 0 0
Vanguard Healthcare ETF 92204A504 1,000 6 SH   SOLE   6 0 0
Vanguard Total Stock Market ETF 922908769 2,000 10 SH   SOLE   10 0 0
iShares S&P 500 Growth ETF ETF 464287309 1,094 16,800 SH   SOLE   16,800 0 0
Invesco Senior Loan ETF ETF 46138g508 2,735 123,610 SH   SOLE   123,610 0 0
SPDR Barclays High Yield Bond ETF 78468r622 2,670 24,540 SH   SOLE   24,540 0 0
VanEck Vectors Fallen Angel Hi ETF 912189f43 8,327 260,790 SH   SOLE   260,790 0 0
SPDR Gold Trust ETF 78463v107 9,779 61,135 SH   SOLE   61,135 0 0
iShares Gold Trust ETF 464285105 5,642 347,009 SH   SOLE   347,009 0 0