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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AFLAC INC COM 001055102   4,357 62,426 SH   SOLE   62,426 0 0
ALPHABET INC COM 02079K107   8,890 73,486 SH   SOLE   73,486 0 0
AMAZON COM INC COM 023135106   10,691 82,014 SH   SOLE   82,014 0 0
AMERICAN TOWER CORP NEW COM 03027X100   12,569 64,810 SH   SOLE   64,810 0 0
AMGEN INC COM 031162100   8,673 39,064 SH   SOLE   39,064 0 0
APPLE INC COM 037833100   24,192 124,722 SH   SOLE   124,722 0 0
BP PLC COM 055622104   9,268 262,615 SH   SOLE   262,615 0 0
BANK AMERICA CORP COM 060505104   11,921 415,497 SH   SOLE   415,497 0 0
BERKSHIRE HATHAWAY INC DEL COM 084670702   341 1,000 SH   SOLE   1,000 0 0
BLACK KNIGHT INC COM 09215C105   535 8,952 SH   SOLE   8,952 0 0
BOEING CO COM 097023105   1,210 5,730 SH   SOLE   5,730 0 0
CVS HEALTH CORP COM 126650100   8,260 119,491 SH   SOLE   119,491 0 0
CANADIAN NAT RES LTD COM 136385101   349 6,200 SH   SOLE   6,200 0 0
COCA COLA CO COM 191216100   207 3,433 SH   SOLE   3,433 0 0
COLGATE PALMOLIVE CO COM 194162103   5,433 70,525 SH   SOLE   70,525 0 0
CUMMINS INC COM 231021106   343 1,400 SH   SOLE   1,400 0 0
DOMINION ENERGY INC COM 25746U109   2,905 56,093 SH   SOLE   56,093 0 0
LILLY ELI & CO COM 532457108   2,227 4,749 SH   SOLE   4,749 0 0
EXXON MOBIL CORP COM 30231G102   8,541 79,632 SH   SOLE   79,632 0 0
FS Energy and Power Fund COM 30264D109   57 14,571 SH   SOLE   14,571 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   10,630 32,956 SH   SOLE   32,956 0 0
HOME DEPOT INC COM 437076102   10,197 32,827 SH   SOLE   32,827 0 0
HONEYWELL INTL INC COM 438516106   16,222 78,177 SH   SOLE   78,177 0 0
IDEX CORP COM 45167R104   301 1,400 SH   SOLE   1,400 0 0
JPMORGAN CHASE & CO COM 46625H100   616 4,234 SH   SOLE   4,234 0 0
JOHNSON & JOHNSON COM 478160104   18,327 110,725 SH   SOLE   110,725 0 0
LINDE PLC COM G54950103   25,301 66,393 SH   SOLE   66,393 0 0
LOWES COS INC COM 548661107   9,883 43,790 SH   SOLE   43,790 0 0
MCCORMICK & CO INC COM 579780206   349 4,000 SH   SOLE   4,000 0 0
Medtronic PLC COM G5960l103   15,643 177,561 SH   SOLE   177,561 0 0
MERCK & CO INC COM 58933Y105   292 2,533 SH   SOLE   2,533 0 0
META PLATFORMS INC COM 30303M102   8,457 29,469 SH   SOLE   29,469 0 0
MICROSOFT CORP COM 594918104   31,068 91,233 SH   SOLE   91,233 0 0
NIKE INC COM 654106103   375 3,400 SH   SOLE   3,400 0 0
NVIDIA CORPORATION COM 67066G104   720 1,702 SH   SOLE   1,702 0 0
PALO ALTO NETWORKS INC COM 697435105   7,903 30,931 SH   SOLE   30,931 0 0
PEPSICO INC COM 713448108   14,456 78,050 SH   SOLE   78,050 0 0
PHILLIPS 66 COM 718546104   11,598 121,594 SH   SOLE   121,594 0 0
Roche Holdings Ltd. (ADR) COM 771195104   1,931 50,562 SH   SOLE   50,562 0 0
TJX COS INC NEW COM 872540109   26,545 313,071 SH   SOLE   313,071 0 0
DISNEY WALT CO COM 254687106   3,995 44,748 SH   SOLE   44,748 0 0
UNION PAC CORP COM 907818108   15,088 73,735 SH   SOLE   73,735 0 0
UNITEDHEALTH GROUP INC COM 91324P102   16,622 34,584 SH   SOLE   34,584 0 0
VISA INC COM 92826C839   18,010 75,837 SH   SOLE   75,837 0 0
BERKLEY W R CORP COM 084423102   15,631 262,448 SH   SOLE   262,448 0 0
AMERICAN CENTY ETF TR ETF 025072877   11,138 143,518 SH   SOLE   143,518 0 0
VANGUARD TAX-MANAGED FDS ETF 921943858   41,142 890,907 SH   SOLE   890,907 0 0
ISHARES TR ETF 464287804   25,893 259,835 SH   SOLE   259,835 0 0
iShares MSCI Emerging Market e ETF 46434g764   11,221 215,870 SH   SOLE   215,870 0 0
Janus Henderson Enterprise Fun ETF 47103D405   2,261 16,479 SH   SOLE   16,479 0 0
T. Rowe Price Small-Cap Value ETF 77957Q103   1,372 27,591 SH   SOLE   27,591 0 0
Vanguard Small-Cap Index Fund ETF 922908686   1,033 10,842 SH   SOLE   10,842 0 0
Fidelity Advisor Utilities Fun ETF 315918748   318 8,679 SH   SOLE   8,679 0 0
Fidelity Contrafund ETF 316071109   592 39,653 SH   SOLE   39,653 0 0
SELECT SECTOR SPDR TR ETF 81369Y209   324 2,440 SH   SOLE   2,440 0 0
Invesco Comstock Fund R6 ETF 00143M331   1,327 48,780 SH   SOLE   48,780 0 0
Invesco V.I. Comstock Fund VIT ETF 00888X773   506 13,911 SH   SOLE   13,911 0 0
JPMorgan Equity Income Fund I ETF 4812C0498   951 42,682 SH   SOLE   42,682 0 0
JPMorgan Equity Income Fund R6 ETF 46636U876   4,720 211,753 SH   SOLE   211,753 0 0
Principal Large-Cap Growth Fun ETF 74253J784   13,305 795,745 SH   SOLE   795,745 0 0
SPDR SER TR ETF 78464A409   574 9,415 SH   SOLE   9,415 0 0
SPDR SER TR ETF 78464A508   773 17,890 SH   SOLE   17,890 0 0
SPDR S&P 500 ETF TR ETF 78462F103   3,364 7,588 SH   SOLE   7,588 0 0
Schwab S&P 500 Index Fund ETF 808509855   314 4,577 SH   SOLE   4,577 0 0
T. Rowe Price Blue Chip Growth ETF 77954T878   501 9,386 SH   SOLE   9,386 0 0
Vanguard 500 Index Fund Adm ETF 922908710   475 1,158 SH   SOLE   1,158 0 0
ISHARES TR ETF 464287309   1,090 15,470 SH   SOLE   15,470 0 0
iShares S&P 500 Index Fund K ETF 066922204   2,122 4,068 SH   SOLE   4,068 0 0
American Funds Europacific Gro ETF 298706409   329 6,044 SH   SOLE   6,044 0 0
Invesco Developing Markets Fun ETF 683974505   1,373 35,360 SH   SOLE   35,360 0 0
T. Rowe Price Overseas Stock F ETF 77956H435   4,325 355,067 SH   SOLE   355,067 0 0
Vanguard Total Intl Stock Inde ETF 921909818   733 24,360 SH   SOLE   24,360 0 0
American Century Muni Bond Fun ETF 024934846   623 58,142 SH   SOLE   58,142 0 0
Eaton Vance Income Fund of Bos ETF 277907200   173 34,887 SH   SOLE   34,887 0 0
VANGUARD SCOTTSDALE FDS ETF 92206C409   674 8,905 SH   SOLE   8,905 0 0
Vanguard Short-Term Corporate ETF 921925863   169 15,037 SH   SOLE   15,037 0 0
Vanguard Short-Term Inv Grade ETF 922031836   3,994 400,231 SH   SOLE   400,231 0 0
Vanguard Short-Term Inv Grade ETF 922031406   164 16,384 SH   SOLE   16,384 0 0
SPDR GOLD TR ETF 78463V107   10,060 56,429 SH   SOLE   56,429 0 0
ISHARES GOLD TR ETF 464285204   8,380 230,274 SH   SOLE   230,274 0 0