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 CO COM 88579Y101 5,187 29,200 SH   SOLE   29,200 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 6,188 10,912 SH   SOLE   10,912 0 0
AFLAC INC COM 001055102 3,865 66,200 SH   SOLE   66,200 0 0
ALPHABET INC COM 02079K107 17,460 6,034 SH   SOLE   6,034 0 0
AMAZON COM INC COM 023135106 18,012 5,402 SH   SOLE   5,402 0 0
AMERICAN TOWER CORP NEW COM 03027X100 17,965 61,419 SH   SOLE   61,419 0 0
AMGEN INC COM 031162100 8,301 36,900 SH   SOLE   36,900 0 0
APPLE INC COM 037833100 25,109 141,404 SH   SOLE   141,404 0 0
AUTODESK INC COM 052769106 9,311 33,114 SH   SOLE   33,114 0 0
BP PLC COM 055622104 6,633 249,084 SH   SOLE   249,084 0 0
BK OF AMERICA CORP COM 060505104 14,609 328,360 SH   SOLE   328,360 0 0
BLACK KNIGHT INC COM 09215C105 957 11,549 SH   SOLE   11,549 0 0
BOEING CO COM 097023105 1,202 5,970 SH   SOLE   5,970 0 0
BRIGHTHOUSE FINL INC COM 10922N103 268 5,176 SH   SOLE   5,176 0 0
CVS HEALTH CORP COM 126650100 11,909 115,443 SH   SOLE   115,443 0 0
CANADIAN NAT RES LTD COM 136385101 262 6,200 SH   SOLE   6,200 0 0
Chevron Corp COM 016676410 11 90 SH   SOLE   90 0 0
COLGATE PALMOLIVE CO COM 194162103 5,805 68,023 SH   SOLE   68,023 0 0
CUMMINS INC COM 231021106 305 1,400 SH   SOLE   1,400 0 0
DOMINION ENERGY INC COM 25746U109 3,929 50,013 SH   SOLE   50,013 0 0
LILLY ELI & CO COM 532457108 1,474 5,336 SH   SOLE   5,336 0 0
EXXON MOBIL CORP COM 30231G102 4,369 71,404 SH   SOLE   71,404 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 11,890 31,080 SH   SOLE   31,080 0 0
HOME DEPOT INC COM 437076102 23,944 57,695 SH   SOLE   57,695 0 0
HONEYWELL INTL INC COM 438516106 15,473 74,208 SH   SOLE   74,208 0 0
IDEX CORP COM 45167R104 331 1,400 SH   SOLE   1,400 0 0
JPMORGAN CHASE & CO COM 46625H100 15,873 100,237 SH   SOLE   100,237 0 0
JOHNSON & JOHNSON COM 478160104 17,626 103,036 SH   SOLE   103,036 0 0
LINDE PLC COM G5494J103 22,120 63,852 SH   SOLE   63,852 0 0
LOWES COS INC COM 548661107 14,362 55,562 SH   SOLE   55,562 0 0
MCCORMICK & CO INC COM 579780206 386 4,000 SH   SOLE   4,000 0 0
Medtronic PLC COM G5960l103 17,607 170,202 SH   SOLE   170,202 0 0
MERCK & CO INC COM 58933Y105 204 2,656 SH   SOLE   2,656 0 0
META PLATFORMS INC COM 30303M102 9,814 29,178 SH   SOLE   29,178 0 0
MICROSOFT CORP COM 594918104 29,870 88,814 SH   SOLE   88,814 0 0
NIKE INC COM 654106103 567 3,400 SH   SOLE   3,400 0 0
PEPSICO INC COM 713448108 12,316 70,898 SH   SOLE   70,898 0 0
PHILLIPS 66 COM 718546104 7,922 109,335 SH   SOLE   109,335 0 0
Roche Holdings Ltd. (ADR) COM 771195104 2,763 53,452 SH   SOLE   53,452 0 0
TJX COS INC NEW COM 872540109 22,722 299,289 SH   SOLE   299,289 0 0
DISNEY WALT CO COM 254687106 6,258 40,402 SH   SOLE   40,402 0 0
TRUIST FINL CORP COM 89832Q109 10,319 176,249 SH   SOLE   176,249 0 0
UNION PAC CORP COM 907818108 17,702 70,267 SH   SOLE   70,267 0 0
UNITEDHEALTH GROUP INC COM 91324P102 16,549 32,956 SH   SOLE   32,956 0 0
VISA INC COM 92826C839 15,781 72,820 SH   SOLE   72,820 0 0
BERKLEY W R CORP COM 084423102 13,651 165,692 SH   SOLE   165,692 0 0
VANGUARD BD INDEX FDS ETF 92203C303 45 910 SH   SOLE   910 0 0
VANGUARD WORLD FDS ETF 92204A504 2 6 SH   SOLE   6 0 0
VANGUARD INDEX FDS ETF 922908363 4 10 SH   SOLE   10 0 0
VANGUARD INDEX FDS ETF 922908769 2 10 SH   SOLE   10 0 0
VANGUARD TAX-MANAGED INTL FD ETF 921943858 55,741 1,091,677 SH   SOLE   1,091,677 0 0
VANGUARD INTL EQUITY INDEX F ETF 922042858 13,482 272,580 SH   SOLE   272,580 0 0
ISHARES TR ETF 464287804 27,525 240,370 SH   SOLE   240,370 0 0
Janus Henderson Enterprise Fun ETF 47103D405 3,649 22,870 SH   SOLE   22,870 0 0
T. Rowe Price Small-Cap Value ETF 77957Q103 1,730 27,996 SH   SOLE   27,996 0 0
Vanguard Small-Cap Index Fund ETF 922908686 826 7,621 SH   SOLE   7,621 0 0
Fidelity Contrafund ETF 316071109 744 39,653 SH   SOLE   39,653 0 0
Invesco Comstock Fund R6 ETF 00143M331 1,131 38,195 SH   SOLE   38,195 0 0
Invesco V.I. Comstock Fund VIT ETF 00888X773 626 18,081 SH   SOLE   18,081 0 0
JPMorgan Equity Income Fund I ETF 4812C0498 1,071 44,905 SH   SOLE   44,905 0 0
JPMorgan Equity Income Fund R6 ETF 46636U876 5,040 211,309 SH   SOLE   211,309 0 0
MFS Mass Investors Growth Stoc ETF 575719109 283 6,635 SH   SOLE   6,635 0 0
Principal Large-Cap Growth Fun ETF 74253J784 18,369 826,672 SH   SOLE   826,672 0 0
SPDR SER TR ETF 78464A409 599 8,260 SH   SOLE   8,260 0 0
SPDR SER TR ETF 78464A508 478 11,380 SH   SOLE   11,380 0 0
SPDR S&P 500 ETF TR ETF 78462F103 5,814 1,471 SH   SOLE   1,471 0 0
SELECT SECTOR SPDR TR ETF 81369Y209 409 2,900 SH   SOLE   2,900 0 0
T. Rowe Price Blue Chip Growth ETF 77954T878 606 9,392 SH   SOLE   9,392 0 0
Vanguard 500 Index Fund Adm ETF 922908710 509 1,158 SH   SOLE   1,158 0 0
ISHARES TR ETF 464287309 1,377 16,460 SH   SOLE   16,460 0 0
iShares S&P 500 Index Fund ETF 066922204 2,123 3,788 SH   SOLE   3,788 0 0
INVESCO EXCH TRADED FD TR II ETF 46138G508 2,886 130,580 SH   SOLE   130,580 0 0
SPDR SER TR ETF 78468R622 9,376 86,360 SH   SOLE   86,360 0 0
VANECK ETF TRUST ETF 92189F437 15,100 457,990 SH   SOLE   457,990 0 0
SPDR SER TR ETF 78468R622 2 1,648 SH   SOLE   1,648 0 0
Eaton Vance Income Fund of Bos ETF 277907200 183 32,726 SH   SOLE   32,726 0 0
SPDR GOLD TR ETF 78463V107 9,986 58,411 SH   SOLE   58,411 0 0
ISHARES GOLD TR ETF 464285204 6,720 193,042 SH   SOLE   193,042 0 0