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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Aflac Inc. COM 001055102   4,784 62,336 SH   SOLE   62,336 0 0
Alphabet Inc. Class C COM 02079K107   9,912 75,176 SH   SOLE   75,176 0 0
Amazon.com Inc. COM 023135106   10,573 83,174 SH   SOLE   83,174 0 0
American Tower Corp. COM 03027X100   10,711 65,130 SH   SOLE   65,130 0 0
Amgen Inc. COM 031162100   10,613 39,489 SH   SOLE   39,489 0 0
Apple Inc. COM 037833100   21,388 124,922 SH   SOLE   124,922 0 0
BP PLC (ADR) COM 055622104   10,252 264,775 SH   SOLE   264,775 0 0
Bank of America Corp. COM 060505104   11,397 416,239 SH   SOLE   416,239 0 0
Berkshire Hathaway Inc. Class COM 084670702   368 1,050 SH   SOLE   1,050 0 0
Boeing Co. COM 097023105   1,098 5,730 SH   SOLE   5,730 0 0
CVS Health Corp. COM 126650100   8,424 120,646 SH   SOLE   120,646 0 0
Canadian Natural Resources Ltd COM 136385101   401 6,200 SH   SOLE   6,200 0 0
Cheniere Energy Partners LP COM 16411Q101   226 4,166 SH   SOLE   4,166 0 0
Colgate-Palmolive Co. COM 194162103   5,016 70,545 SH   SOLE   70,545 0 0
Cummins Inc. COM 231021106   320 1,400 SH   SOLE   1,400 0 0
Dominion Energy Inc. COM 25746U109   2,515 56,303 SH   SOLE   56,303 0 0
Eli Lilly & Co. COM 532457108   2,567 4,779 SH   SOLE   4,779 0 0
Exxon Mobil Corp. COM 30231G102   9,637 81,958 SH   SOLE   81,958 0 0
FS Energy and Power Fund COM 30264D109   54 14,650 SH   SOLE   14,650 0 0
Goldman Sachs Group Inc. COM 38141G104   10,675 32,990 SH   SOLE   32,990 0 0
Home Depot Inc. COM 437076102   9,901 32,767 SH   SOLE   32,767 0 0
Honeywell International Inc. COM 438516106   14,566 78,847 SH   SOLE   78,847 0 0
IDEX Corp. COM 45167R104   291 1,400 SH   SOLE   1,400 0 0
JPMorgan Chase & Co. COM 46625H100   588 4,054 SH   SOLE   4,054 0 0
Johnson & Johnson COM 478160104   12,924 82,980 SH   SOLE   82,980 0 0
Kenvue Inc. COM 49177J102   4,538 225,995 SH   SOLE   225,995 0 0
Linde PLC COM G54950103   25,181 67,628 SH   SOLE   67,628 0 0
Lowe's Companies Inc. COM 548661107   9,174 44,140 SH   SOLE   44,140 0 0
McCormick & Co. Inc. COM 579780206   303 4,000 SH   SOLE   4,000 0 0
Medtronic PLC COM G5960l103   13,971 178,294 SH   SOLE   178,294 0 0
Merck & Co. Inc. COM 58933Y105   253 2,456 SH   SOLE   2,456 0 0
Meta Platforms Inc. COM 30303M102   8,951 29,817 SH   SOLE   29,817 0 0
Microsoft Corp. COM 594918104   28,807 91,235 SH   SOLE   91,235 0 0
NVIDIA Corp. COM 67066G104   751 1,727 SH   SOLE   1,727 0 0
Nike Inc. COM 654106103   325 3,400 SH   SOLE   3,400 0 0
Palo Alto Networks Inc. COM 697435105   7,564 32,266 SH   SOLE   32,266 0 0
PepsiCo Inc. COM 713448108   13,276 78,350 SH   SOLE   78,350 0 0
Phillips 66 COM 718546104   14,887 123,902 SH   SOLE   123,902 0 0
Roche Holdings Ltd. (ADR) COM 771195104   1,703 50,182 SH   SOLE   50,182 0 0
TJX Companies Inc. COM 872540109   27,946 314,421 SH   SOLE   314,421 0 0
The Walt Disney Co. COM 254687106   3,603 44,448 SH   SOLE   44,448 0 0
Union Pacific Corp. COM 907818108   15,204 74,664 SH   SOLE   74,664 0 0
UnitedHealth Group Inc. COM 91324P102   17,530 34,769 SH   SOLE   34,769 0 0
Visa Inc. Class A COM 92826C839   17,516 76,153 SH   SOLE   76,153 0 0
W.R. Berkley Corp. COM 084423102   16,547 260,628 SH   SOLE   260,628 0 0
Avantis U.S. Small-Cap Value E ETF 025072877   11,313 145,128 SH   SOLE   145,128 0 0
Vanguard FTSE Developed Market ETF 921943858   39,043 893,017 SH   SOLE   893,017 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   24,796 262,869 SH   SOLE   262,869 0 0
iShares MSCI Emerging Market e ETF 46434g764   10,833 217,400 SH   SOLE   217,400 0 0
Janus Henderson Enterprise Fun ETF 47103D405   2,170 16,544 SH   SOLE   16,544 0 0
T. Rowe Price Small-Cap Value ETF 77957Q103   1,302 27,405 SH   SOLE   27,405 0 0
T. Rowe Price Small-Cap Value ETF 77957Q301   272 5,726 SH   SOLE   5,726 0 0
Vanguard Small-Cap Index Fund ETF 922908686   995 10,990 SH   SOLE   10,990 0 0
Fidelity Advisor Utilities Fun ETF 315918748   291 8,679 SH   SOLE   8,679 0 0
Fidelity Contrafund ETF 316071109   591 39,653 SH   SOLE   39,653 0 0
Health Care Select Sector SPDR ETF 81369Y209   314 2,440 SH   SOLE   2,440 0 0
Invesco Comstock Fund R6 ETF 00143M331   1,326 49,017 SH   SOLE   49,017 0 0
Invesco V.I. Comstock Fund VIT ETF 00888X773   505 13,897 SH   SOLE   13,897 0 0
JPMorgan Equity Income Fund I ETF 4812C0498   892 41,583 SH   SOLE   41,583 0 0
JPMorgan Equity Income Fund R6 ETF 46636U876   4,549 211,988 SH   SOLE   211,988 0 0
Principal Large-Cap Growth Fun ETF 74253J784   12,916 800,772 SH   SOLE   800,772 0 0
SPDR Portfolio S&P 500 Growth ETF 78464A409   524 8,845 SH   SOLE   8,845 0 0
SPDR Portfolio S&P 500 Value E ETF 78464A508   625 15,145 SH   SOLE   15,145 0 0
SPDR S&P 500 ETF ETF 78462F103   3,154 7,378 SH   SOLE   7,378 0 0
Schwab S&P 500 Index Fund ETF 808509855   297 4,469 SH   SOLE   4,469 0 0
T. Rowe Price Blue Chip Growth ETF 77954T878   486 9,376 SH   SOLE   9,376 0 0
T. Rowe Price Dividend Growth ETF 779546308   324 4,946 SH   SOLE   4,946 0 0
Vanguard 500 Index Fund Adm ETF 922908710   458 1,158 SH   SOLE   1,158 0 0
iShares S&P 500 Growth ETF ETF 464287309   1,056 15,430 SH   SOLE   15,430 0 0
iShares S&P 500 Index Fund K ETF 066922204   3,711 7,382 SH   SOLE   7,382 0 0
American Funds Europacific Gro ETF 298706409   308 6,044 SH   SOLE   6,044 0 0
Invesco Developing Markets Fun ETF 683974505   1,270 34,894 SH   SOLE   34,894 0 0
T. Rowe Price Overseas Stock F ETF 77956H435   3,951 340,038 SH   SOLE   340,038 0 0
Vanguard Total Intl Stock Inde ETF 921909818   716 24,901 SH   SOLE   24,901 0 0
American Century Muni Bond Fun ETF 024934846   277 26,966 SH   SOLE   26,966 0 0
Eaton Vance Income Fund of Bos ETF 277907200   175 35,514 SH   SOLE   35,514 0 0
Vanguard Short-Term Corporate ETF 92206C409   680 9,045 SH   SOLE   9,045 0 0
Vanguard Short-Term Corporate ETF 921925863   169 15,021 SH   SOLE   15,021 0 0
Vanguard Short-Term Inv Grade ETF 922031836   4,032 406,088 SH   SOLE   406,088 0 0
Vanguard Short-Term Inv Grade ETF 922031406   182 18,311 SH   SOLE   18,311 0 0
SPDR Gold Trust ETF 78463V107   9,639 56,223 SH   SOLE   56,223 0 0
iShares Gold Trust ETF 464285204   8,342 238,404 SH   SOLE   238,404 0 0