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 14,198 67,380 SH   SOLE NONE 67,380 0 0
Aflac Inc. COM 001055102 5,088 108,084 SH   SOLE NONE 108,084 0 0
Alphabet Inc. Class C CAP STK CL C 02079K107 9,276 7,772 SH   SOLE NONE 7,772 0 0
Amazon.com Inc. COM 023135106 6,265 3,128 SH   SOLE NONE 3,128 0 0
American Tower Corp. COM 03027X100 11,970 82,380 SH   SOLE NONE 82,380 0 0
Amgen Inc. COM 031162100 14,542 70,154 SH   SOLE NONE 70,154 0 0
Apple Inc. COM 037833100 9,777 43,311 SH   SOLE NONE 43,311 0 0
Autodesk Inc. COM 052769106 4,835 30,970 SH   SOLE NONE 30,970 0 0
Avanos Medical, Inc. COM 05350V106 516 7,534 SH   SOLE NONE 7,534 0 0
Bank of America Corp. COM 060505104 8,280 281,066 SH   SOLE NONE 281,066 0 0
Bank of New York Mellon Corp. COM 064058100 6,723 131,841 SH   SOLE NONE 131,841 0 0
Baxter International Inc. COM 071813109 3,944 51,163 SH   SOLE NONE 51,163 0 0
Black Knight Inc. COM 09215C105 1,684 32,418 SH   SOLE NONE 32,418 0 0
Boeing Co. COM 097023105 2,390 6,426 SH   SOLE NONE 6,426 0 0
Brighthouse Financial Inc. COM 10922N103 358 8,101 SH   SOLE NONE 8,101 0 0
CVS Health Corp. COM 126650100 8,759 111,263 SH   SOLE NONE 111,263 0 0
Canadian Natural Resources Ltd COM 136385101 212 6,500 SH   SOLE NONE 6,500 0 0
Cenovus Energy Inc. COM 15135U109 202 20,118 SH   SOLE NONE 20,118 0 0
Chevron Corp. COM 166764100 269 2,198 SH   SOLE NONE 2,198 0 0
Citizens Financial Group Inc. COM 174610105 5,098 132,180 SH   SOLE NONE 132,180 0 0
Colgate-Palmolive Co. COM 194162103 4,301 64,243 SH   SOLE NONE 64,243 0 0
ConocoPhillips COM 20825C104 7,775 100,454 SH   SOLE NONE 100,454 0 0
Cummins Inc. COM 231021106 204 1,400 SH   SOLE NONE 1,400 0 0
Dominion Energy Inc. COM 25746U109 3,289 46,795 SH   SOLE NONE 46,795 0 0
Eli Lilly & Co. COM 532457108 524 4,888 SH   SOLE NONE 4,888 0 0
Exxon Mobil Corp. COM 30231G102 4,772 56,123 SH   SOLE NONE 56,123 0 0
Facebook Inc. CL A 30303M102 9,410 57,218 SH   SOLE NONE 57,218 0 0
Fidelity National Financial In FNF GROUP COM 31620R303 5,709 145,090 SH   SOLE NONE 145,090 0 0
Goldman Sachs Group Inc. COM 38141G104 7,101 31,667 SH   SOLE NONE 31,667 0 0
Home Depot Inc. COM 437076102 16,878 81,476 SH   SOLE NONE 81,476 0 0
Honeywell International Inc. COM 438516106 10,165 61,090 SH   SOLE NONE 61,090 0 0
IDEX Corp. COM 45167R104 271 1,800 SH   SOLE NONE 1,800 0 0
Johnson & Johnson COM 478160104 12,756 92,320 SH   SOLE NONE 92,320 0 0
McCormick & Co. Inc. COM NON VTG 579780206 264 2,000 SH   SOLE NONE 2,000 0 0
Medtronic PLC SHS G5960L103 14,464 147,036 SH   SOLE NONE 147,036 0 0
Microsoft Corp. COM 594918104 20,083 175,601 SH   SOLE NONE 175,601 0 0
Nike Inc. CL B 654106103 500 5,900 SH   SOLE NONE 5,900 0 0
Pepsico Inc. COM 713448108 7,420 66,370 SH   SOLE NONE 66,370 0 0
Phillips 66 Co. COM 718546104 11,073 98,235 SH   SOLE NONE 98,235 0 0
Praxair Inc. COM 74005P104 9,867 61,388 SH   SOLE NONE 61,388 0 0
QEP Resources Inc. COM 74733V100 260 22,957 SH   SOLE NONE 22,957 0 0
TJX Companies Inc. COM 872540109 14,275 127,436 SH   SOLE NONE 127,436 0 0
Texas Instruments Inc. COM 882508104 12,839 119,665 SH   SOLE NONE 119,665 0 0
The Walt Disney Co. COM DISNEY 254687106 3,965 33,909 SH   SOLE NONE 33,909 0 0
Union Pacific Corp. COM 907818108 14,184 87,112 SH   SOLE NONE 87,112 0 0
VF Corp. COM 918204108 14,825 158,645 SH   SOLE NONE 158,645 0 0
Visa Inc. Class A COM CL A 92826C839 11,471 76,429 SH   SOLE NONE 76,429 0 0
W.R. Berkley Corp. COM 084423102 7,287 91,170 SH   SOLE NONE 91,170 0 0
Vanguard FTSE Developed Market FTSE DEV MKT ETF 921943858 30,027 693,945 SH   SOLE NONE 693,945 0 0
Vanguard FTSE Emerging Markets FTSE EMR MKT ETF 922042858 10,728 261,666 SH   SOLE NONE 261,666 0 0
iShares Core S&P Small Cap ETF CORE S&P SCP ETF 464287804 17,553 201,200 SH   SOLE NONE 201,200 0 0
iShares S&P Mid Cap 400 Growth S&P MC 400GR ETF 464287606 375 1,610 SH   SOLE NONE 1,610 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 3,518 12,100 SH   SOLE NONE 12,100 0 0
iShares S&P 500 Growth Index E S&P 500 GRWT ETF 464287309 762 4,300 SH   SOLE NONE 4,300 0 0
SPDR Barclays Short-Term High BLOOMBERG SRT TR 78468R408 4,597 166,620 SH   SOLE NONE 166,620 0 0
SPDR Gold Trust GOLD SHS 78463V107 7,290 64,654 SH   SOLE NONE 64,654 0 0
iShares Gold Trust ISHARES 464285105 3,425 299,610 SH   SOLE NONE 299,610 0 0