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 14,624 66,620 SH   SOLE NONE 66,620 0 0
Aflac Inc. COM 001055102 4,826 110,284 SH   SOLE NONE 110,284 0 0
Alphabet Inc. Class C CAP STK CL C 02079K107 7,895 7,652 SH   SOLE NONE 7,652 0 0
Amazon.com Inc. COM 023135106 3,941 2,723 SH   SOLE NONE 2,723 0 0
American Tower Corp. COM 03027X100 11,874 81,700 SH   SOLE NONE 81,700 0 0
Amgen Inc. COM 031162100 11,951 70,104 SH   SOLE NONE 70,104 0 0
Apple Inc. COM 037833100 7,211 42,981 SH   SOLE NONE 42,981 0 0
Autodesk Inc. COM 052769106 3,869 30,810 SH   SOLE NONE 30,810 0 0
Bank of America Corp. COM 060505104 4,421 147,406 SH   SOLE NONE 147,406 0 0
Bank of New York Mellon Corp. COM 064058100 6,764 131,261 SH   SOLE NONE 131,261 0 0
Baxter International Inc. COM 071813109 3,415 52,513 SH   SOLE NONE 52,513 0 0
Black Knight Inc. COM 09215C105 1,708 36,261 SH   SOLE NONE 36,261 0 0
Boeing Co. COM 097023105 2,107 6,426 SH   SOLE NONE 6,426 0 0
Brighthouse Financial Inc. COM 10922N103 438 8,525 SH   SOLE NONE 8,525 0 0
CVS Health Corp. COM 126650100 6,948 111,683 SH   SOLE NONE 111,683 0 0
Canadian Natural Resources Ltd COM 136385101 239 7,600 SH   SOLE NONE 7,600 0 0
Cenovus Energy Inc. COM 15135U109 189 22,178 SH   SOLE NONE 22,178 0 0
Chevron Corp. COM 166764100 255 2,241 SH   SOLE NONE 2,241 0 0
Citizens Financial Group Inc. COM 174610105 5,242 124,860 SH   SOLE NONE 124,860 0 0
Colgate-Palmolive Co. COM 194162103 4,608 64,289 SH   SOLE NONE 64,289 0 0
ConocoPhillips COM 20825C104 5,737 96,769 SH   SOLE NONE 96,769 0 0
Cummins Inc. COM 231021106 227 1,400 SH   SOLE NONE 1,400 0 0
Dominion Energy Inc. COM 25746U109 3,147 46,665 SH   SOLE NONE 46,665 0 0
Eli Lilly & Co. COM 532457108 410 5,288 SH   SOLE NONE 5,288 0 0
Exxon Mobil Corp. COM 30231G102 4,180 56,028 SH   SOLE NONE 56,028 0 0
Facebook Inc. CL A 30303M102 9,033 56,528 SH   SOLE NONE 56,528 0 0
Fidelity National Financial In FNF GROUP COM 31620R303 5,861 146,450 SH   SOLE NONE 146,450 0 0
Goldman Sachs Group Inc. COM 38141G104 8,128 32,270 SH   SOLE NONE 32,270 0 0
Halyard Health Inc. COM 40650V100 356 7,732 SH   SOLE NONE 7,732 0 0
Home Depot Inc. COM 437076102 14,129 79,269 SH   SOLE NONE 79,269 0 0
Honeywell International Inc. COM 438516106 8,816 61,005 SH   SOLE NONE 61,005 0 0
IDEX Corp. COM 45167R104 257 1,800 SH   SOLE NONE 1,800 0 0
Johnson & Johnson COM 478160104 11,660 90,990 SH   SOLE NONE 90,990 0 0
Kimberly-Clark Corp. COM 494368103 6,081 55,220 SH   SOLE NONE 55,220 0 0
McCormick & Co. Inc. COM NON VTG 579780206 213 2,000 SH   SOLE NONE 2,000 0 0
Medtronic PLC SHS G5960L103 11,088 138,224 SH   SOLE NONE 138,224 0 0
Microsoft Corp. COM 594918104 16,019 175,512 SH   SOLE NONE 175,512 0 0
Nike Inc. CL B 654106103 392 5,900 SH   SOLE NONE 5,900 0 0
Pepsico Inc. COM 713448108 7,354 67,378 SH   SOLE NONE 67,378 0 0
Phillips 66 Co. COM 718546104 9,033 94,175 SH   SOLE NONE 94,175 0 0
Praxair Inc. COM 74005P104 8,935 61,922 SH   SOLE NONE 61,922 0 0
QEP Resources Inc. COM 74733V100 242 24,737 SH   SOLE NONE 24,737 0 0
TJX Companies Inc. COM 872540109 10,025 122,916 SH   SOLE NONE 122,916 0 0
Texas Instruments Inc. COM 882508104 12,554 120,835 SH   SOLE NONE 120,835 0 0
The Walt Disney Co. COM DISNEY 254687106 3,374 33,589 SH   SOLE NONE 33,589 0 0
Union Pacific Corp. COM 907818108 11,697 87,012 SH   SOLE NONE 87,012 0 0
VF Corp. COM 918204108 11,522 155,445 SH   SOLE NONE 155,445 0 0
Visa Inc. Class A COM CL A 92826C839 8,389 70,129 SH   SOLE NONE 70,129 0 0
W.R. Berkley Corp. COM 084423102 6,262 86,130 SH   SOLE NONE 86,130 0 0
Vanguard FTSE Developed Market FTSE DEV MKT ETF 921943858 31,142 703,765 SH   SOLE NONE 703,765 0 0
Vanguard FTSE Emerging Markets FTSE EMR MKT ETF 922042858 12,554 267,226 SH   SOLE NONE 267,226 0 0
iShares Core S&P Small Cap ETF CORE S&P SCP ETF 464287804 15,450 200,620 SH   SOLE NONE 200,620 0 0
iShares S&P Mid Cap 400 Growth S&P MC 400GR ETF 464287606 410 1,880 SH   SOLE NONE 1,880 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 2,883 10,955 SH   SOLE NONE 10,955 0 0
iShares S&P 500 Growth Index E S&P 500 GRWT ETF 464287309 667 4,300 SH   SOLE NONE 4,300 0 0
SPDR Barclays Short-Term High BLOOMBERG SRT TR 78468R408 4,542 165,940 SH   SOLE NONE 165,940 0 0
SPDR Gold Trust GOLD SHS 78463V107 8,398 66,764 SH   SOLE NONE 66,764 0 0
iShares Gold Trust ISHARES 464285105 3,817 299,830 SH   SOLE NONE 299,830 0 0