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 13,650 65,033 SH   SOLE NONE 65,033 0 0
Aflac Inc. COM 001055102 4,824 59,272 SH   SOLE NONE 59,272 0 0
Alphabet Inc. Class C CAP STK CL C 02079K107 7,147 7,452 SH   SOLE NONE 7,452 0 0
Amazon.com Inc. COM 023135106 2,248 2,338 SH   SOLE NONE 2,338 0 0
American Tower Corp. COM 03027X100 10,762 78,740 SH   SOLE NONE 78,740 0 0
Amgen Inc. COM 031162100 13,395 71,844 SH   SOLE NONE 71,844 0 0
Apple Inc. COM 037833100 6,603 42,841 SH   SOLE NONE 42,841 0 0
Autodesk Inc. COM 052769106 3,465 30,870 SH   SOLE NONE 30,870 0 0
Bank of America Corp. COM 060505104 3,707 146,276 SH   SOLE NONE 146,276 0 0
Bank of New York Mellon Corp. COM 064058100 6,937 130,831 SH   SOLE NONE 130,831 0 0
Baxter International Inc. COM 071813109 3,339 53,215 SH   SOLE NONE 53,215 0 0
Boeing Co. COM 097023105 1,786 7,026 SH   SOLE NONE 7,026 0 0
Brighthouse Financial Inc. COM 10922N103 541 8,903 SH   SOLE NONE 8,903 0 0
CVS Health Corp. COM 126650100 9,481 116,588 SH   SOLE NONE 116,588 0 0
Canadian Natural Resources Ltd COM 136385101 255 7,600 SH   SOLE NONE 7,600 0 0
Cenovus Energy Inc. COM 15135U109 277 27,598 SH   SOLE NONE 27,598 0 0
Chevron Corp. COM 166764100 266 2,261 SH   SOLE NONE 2,261 0 0
Citizens Financial Group Inc. COM 174610105 4,785 126,350 SH   SOLE NONE 126,350 0 0
Colgate-Palmolive Co. COM 194162103 4,892 67,153 SH   SOLE NONE 67,153 0 0
Comcast Corp. CL A 20030N101 476 12,370 SH   SOLE NONE 12,370 0 0
ConocoPhillips COM 20825C104 4,241 84,742 SH   SOLE NONE 84,742 0 0
Cummins Inc. COM 231021106 235 1,400 SH   SOLE NONE 1,400 0 0
Dominion Energy Inc. COM 25746U109 3,635 47,245 SH   SOLE NONE 47,245 0 0
Eli Lilly & Co. COM 532457108 492 5,754 SH   SOLE NONE 5,754 0 0
Exxon Mobil Corp. COM 30231G102 4,547 55,468 SH   SOLE NONE 55,468 0 0
Facebook Inc. CL A 30303M102 9,604 56,208 SH   SOLE NONE 56,208 0 0
Fidelity National Financial In FNF GROUP COM 31620R303 6,872 144,800 SH   SOLE NONE 144,800 0 0
General Electric Co. COM 369604103 8,461 349,904 SH   SOLE NONE 349,904 0 0
Goldman Sachs Group Inc. COM 38141G104 7,239 30,521 SH   SOLE NONE 30,521 0 0
Halyard Health Inc. COM 40650V100 364 8,074 SH   SOLE NONE 8,074 0 0
Home Depot Inc. COM 437076102 12,730 77,831 SH   SOLE NONE 77,831 0 0
Honeywell International Inc. COM 438516106 8,859 62,505 SH   SOLE NONE 62,505 0 0
IDEX Corp. COM 45167R104 219 1,800 SH   SOLE NONE 1,800 0 0
Johnson & Johnson COM 478160104 11,464 88,175 SH   SOLE NONE 88,175 0 0
Kimberly-Clark Corp. COM 494368103 6,961 59,155 SH   SOLE NONE 59,155 0 0
McCormick & Co. Inc. COM NON VTG 579780206 205 2,000 SH   SOLE NONE 2,000 0 0
Medtronic PLC SHS G5960L103 10,677 137,290 SH   SOLE NONE 137,290 0 0
MetLife Inc. COM 59156R108 5,270 101,449 SH   SOLE NONE 101,449 0 0
Microsoft Corp. COM 594918104 17,825 239,299 SH   SOLE NONE 239,299 0 0
Nike Inc. CL B 654106103 332 6,400 SH   SOLE NONE 6,400 0 0
Pepsico Inc. COM 713448108 7,930 71,169 SH   SOLE NONE 71,169 0 0
Phillips 66 Co. COM 718546104 8,589 93,755 SH   SOLE NONE 93,755 0 0
Praxair Inc. COM 74005P104 8,774 62,787 SH   SOLE NONE 62,787 0 0
QEP Resources Inc. COM 74733V100 225 26,227 SH   SOLE NONE 26,227 0 0
TJX Companies Inc. COM 872540109 9,000 122,071 SH   SOLE NONE 122,071 0 0
Teva Pharmaceutical Industries SPONSORED ADR 881624209 355 20,150 SH   SOLE NONE 20,150 0 0
Texas Instruments Inc. COM 882508104 10,846 120,995 SH   SOLE NONE 120,995 0 0
The Walt Disney Co. COM DISNEY 254687106 3,426 34,754 SH   SOLE NONE 34,754 0 0
Union Pacific Corp. COM 907818108 10,335 89,122 SH   SOLE NONE 89,122 0 0
VF Corp. COM 918204108 9,419 148,175 SH   SOLE NONE 148,175 0 0
Visa Inc. COM CL A 92826C839 6,449 61,279 SH   SOLE NONE 61,279 0 0
W.R. Berkley Corp. COM 084423102 5,274 79,030 SH   SOLE NONE 79,030 0 0
Vanguard FTSE Developed Market FTSE DEV MKT ETF 921943858 30,518 703,014 SH   SOLE NONE 703,014 0 0
Vanguard FTSE Emerging Markets FTSE EMR MKT ETF 922042858 11,471 263,291 SH   SOLE NONE 263,291 0 0
iShares Core S&P Small Cap ETF CORE S&P SCP ETF 464287804 15,072 203,070 SH   SOLE NONE 203,070 0 0
iShares S&P Mid Cap 400 Growth S&P MC 400GR ETF 464287606 389 1,920 SH   SOLE NONE 1,920 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 2,770 11,025 SH   SOLE NONE 11,025 0 0
iShares S&P 500 Growth Index E S&P 500 GRWT ETF 464287309 617 4,300 SH   SOLE NONE 4,300 0 0
SPDR Barclays Short-Term High BLOOMBERG SRT TR 78468R408 4,775 170,690 SH   SOLE NONE 170,690 0 0
SPDR Gold Trust GOLD SHS 78463V107 8,458 69,567 SH   SOLE NONE 69,567 0 0
iShares Gold Trust ISHARES 464285105 3,178 258,180 SH   SOLE NONE 258,180 0 0