3M Co. COM 88579Y101 5630 28347 SH SOLE 28347 0 0 Adobe Systems Inc. COM 00724F101 6347 10837 SH SOLE 10837 0 0 Aflac Inc. COM 001055102 3826 71296 SH SOLE 71296 0 0 Alphabet Inc. Class C COM 02079k107 15246 6083 SH SOLE 6083 0 0 Amazon.com Inc. COM 023135106 18577 5400 SH SOLE 5400 0 0 American Tower Corp. COM 03027x100 16559 61297 SH SOLE 61297 0 0 Amgen Inc. COM 031162100 9015 36985 SH SOLE 36985 0 0 Anthem Inc. COM 036752103 227 594 SH SOLE 594 0 0 Apple Inc. COM 037833100 19499 142370 SH SOLE 142370 0 0 Autodesk Inc. COM 052769106 9608 32914 SH SOLE 32914 0 0 BP PLC (ADR) COM 055622104 6627 250850 SH SOLE 250850 0 0 Bank of America Corp. COM 060505104 13474 326790 SH SOLE 326790 0 0 Black Knight Inc. COM 09215c105 1175 15067 SH SOLE 15067 0 0 Boeing Co. COM 097023105 1435 5991 SH SOLE 5991 0 0 Brighthouse Financial Inc. COM 10922n103 254 5585 SH SOLE 5585 0 0 CVS Health Corp. COM 126650100 9682 116041 SH SOLE 116041 0 0 Canadian Natural Resources Ltd COM 136385101 225 6200 SH SOLE 6200 0 0 Chevron COM 166764100 9 90 SH SOLE 90 0 0 Colgate-Palmolive Co. COM 194162103 5530 67983 SH SOLE 67983 0 0 Cummins Inc. COM 231021106 341 1400 SH SOLE 1400 0 0 Dominion Energy Inc. COM 25746U109 3596 48873 SH SOLE 48873 0 0 Eli Lilly & Co. COM 532457108 1210 5271 SH SOLE 5271 0 0 Exxon Mobil Corp. COM 30231G102 4114 65222 SH SOLE 65222 0 0 Facebook Inc. COM 30303m102 10102 29053 SH SOLE 29053 0 0 Goldman Sachs Group Inc. COM 38141G104 11868 31270 SH SOLE 31270 0 0 Home Depot Inc. COM 437076102 19327 60608 SH SOLE 60608 0 0 Honeywell International Inc. COM 438516106 14737 67187 SH SOLE 67187 0 0 IDEX Corp. COM 45167R104 308 1400 SH SOLE 1400 0 0 JPMorgan Chase & Co. COM 46625H100 15488 99577 SH SOLE 99577 0 0 Johnson & Johnson COM 478160104 16996 103166 SH SOLE 103166 0 0 Linde PLC COM g5494j103 18794 65007 SH SOLE 65007 0 0 Lowe's Companies Inc. COM 548661107 11026 56842 SH SOLE 56842 0 0 McCormick & Co. Inc. COM 579780206 353 4000 SH SOLE 4000 0 0 Medtronic PLC COM g5960l103 21263 171295 SH SOLE 171295 0 0 Merck & Co. Inc. COM 58933Y105 207 2656 SH SOLE 2656 0 0 Microsoft Corp. COM 594918104 24519 90511 SH SOLE 90511 0 0 Nike Inc. COM 654106103 874 5660 SH SOLE 5660 0 0 PepsiCo Inc. COM 713448108 10069 67958 SH SOLE 67958 0 0 Phillips 66 COM 718546104 9405 109595 SH SOLE 109595 0 0 Roche Holdings Ltd. (ADR) COM 771195104 2637 56112 SH SOLE 56112 0 0 TJX Companies Inc. COM 872540109 20399 302564 SH SOLE 302564 0 0 The Walt Disney Co. COM 254687106 6939 39479 SH SOLE 39479 0 0 Truist Financial Corp. COM 89832q109 9662 174089 SH SOLE 174089 0 0 Union Pacific Corp. COM 907818108 15397 70007 SH SOLE 70007 0 0 UnitedHealth Group Inc. COM 91324P102 13161 32866 SH SOLE 32866 0 0 VF Corp. COM 918204108 7183 87552 SH SOLE 87552 0 0 Visa Inc. Class A COM 92826c839 17144 73320 SH SOLE 73320 0 0 W.R. Berkley Corp. COM 084423102 12763 171470 SH SOLE 171470 0 0 Vanguard FTSE Developed Market ETF 921943858 55962 1086217 SH SOLE 1086217 0 0 Vanguard FTSE Emerging Markets ETF 922042858 14922 274761 SH SOLE 274761 0 0 iShares Core S&P Small-Cap ETF ETF 464287804 26723 236530 SH SOLE 236530 0 0 Fidelity Contrafund ETF 316071109 981 52267 SH SOLE 52267 0 0 JPMorgan Equity Income Fund I ETF 4812c0498 353 15521 SH SOLE 15521 0 0 MFS Mass Investors Growth Stoc ETF 575719109 471 11356 SH SOLE 11356 0 0 Principal Large Cap Growth Fun ETF 74253j784 774 33153 SH SOLE 33153 0 0 SPDR Health Care Select Sector ETF 81369Y209 350 2780 SH SOLE 2780 0 0 SPDR Portfolio S&P 500 Growth ETF 78464a409 421 6690 SH SOLE 6690 0 0 SPDR Portfolio S&P 500 Value E ETF 78464a508 395 9980 SH SOLE 9980 0 0 SPDR S&P 500 ETF ETF 78462F103 6278 14667 SH SOLE 14667 0 0 Vanguard 500 Index Fund Adm ETF 922908710 459 1158 SH SOLE 1158 0 0 Vanguard Health Care ETF V ETF 92204A504 2 6 SH SOLE 6 0 0 Vanguard S&P 500 ETF IV ETF 78462F103 4 10 SH SOLE 10 0 0 Vanguard total Stock Market E ETF IV ETF 922908769 2 10 SH SOLE 10 0 0 iShares S&P 500 Growth ETF ETF 464287309 1197 16460 SH SOLE 16460 0 0 Invesco Senior Loan ETF ETF 46138g508 2796 126210 SH SOLE 126210 0 0 SPDR Barclays High Yield Bond ETF 78468r622 2803 25490 SH SOLE 25490 0 0 VanEck Vectors Fallen Angel Hi ETF 912189f43 8698 264360 SH SOLE 264360 0 0 SPDR Gold Trust ETF 78463v107 10009 60431 SH SOLE 60431 0 0 iShares Gold Trust ETF 464285204 6206 184117 SH SOLE 184117 0 0