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   5,125 62,120 SH   SOLE   62,120 0 0
Alphabet Inc. Class C COM 02079K107   10,740 76,206 SH   SOLE   76,206 0 0
Amazon.com Inc. COM 023135106   12,782 84,124 SH   SOLE   84,124 0 0
American Tower Corp. COM 03027X100   14,309 66,280 SH   SOLE   66,280 0 0
Amgen Inc. COM 031162100   11,505 39,944 SH   SOLE   39,944 0 0
Apple Inc. COM 037833100   24,338 126,413 SH   SOLE   126,413 0 0
BP PLC (ADR) COM 055622104   9,377 264,901 SH   SOLE   264,901 0 0
Bank of America Corp. COM 060505104   6,487 192,658 SH   SOLE   192,658 0 0
Berkshire Hathaway Inc. Class COM 084670702   357 1,000 SH   SOLE   1,000 0 0
Boeing Co. COM 097023105   1,494 5,730 SH   SOLE   5,730 0 0
CVS Health Corp. COM 126650100   9,630 121,966 SH   SOLE   121,966 0 0
Canadian Natural Resources Ltd COM 136385101   406 6,200 SH   SOLE   6,200 0 0
Cheniere Energy Partners LP COM 16411Q101   207 4,166 SH   SOLE   4,166 0 0
Colgate-Palmolive Co. COM 194162103   5,654 70,935 SH   SOLE   70,935 0 0
Cummins Inc. COM 231021106   335 1,400 SH   SOLE   1,400 0 0
Eli Lilly & Co. COM 532457108   2,374 4,072 SH   SOLE   4,072 0 0
Exxon Mobil Corp. COM 30231G102   8,228 82,298 SH   SOLE   82,298 0 0
FS Energy and Power Fund COM 30264D109   53 14,650 SH   SOLE   14,650 0 0
Goldman Sachs Group Inc. COM 38141G104   12,792 33,160 SH   SOLE   33,160 0 0
Home Depot Inc. COM 437076102   5,564 16,054 SH   SOLE   16,054 0 0
Honeywell International Inc. COM 438516106   16,750 79,873 SH   SOLE   79,873 0 0
IDEX Corp. COM 45167R104   304 1,400 SH   SOLE   1,400 0 0
JPMorgan Chase & Co. COM 46625H100   601 3,534 SH   SOLE   3,534 0 0
Johnson & Johnson COM 478160104   13,146 83,869 SH   SOLE   83,869 0 0
KKR & Co. LP COM 48248M102   207 2,500 SH   SOLE   2,500 0 0
Kenvue Inc. COM 49177J102   4,633 215,172 SH   SOLE   215,172 0 0
Linde PLC COM G54950103   28,070 68,345 SH   SOLE   68,345 0 0
Lowe's Companies Inc. COM 548661107   9,852 44,270 SH   SOLE   44,270 0 0
McCormick & Co. Inc. COM 579780206   274 4,000 SH   SOLE   4,000 0 0
Medtronic PLC COM G5960l103   14,764 179,223 SH   SOLE   179,223 0 0
Merck & Co. Inc. COM 58933Y105   268 2,456 SH   SOLE   2,456 0 0
Meta Platforms Inc. COM 30303M102   10,771 30,430 SH   SOLE   30,430 0 0
Microsoft Corp. COM 594918104   34,353 91,354 SH   SOLE   91,354 0 0
NVIDIA Corp. COM 67066G104   783 1,582 SH   SOLE   1,582 0 0
Nike Inc. COM 654106103   369 3,400 SH   SOLE   3,400 0 0
Palo Alto Networks Inc. COM 697435105   10,175 34,506 SH   SOLE   34,506 0 0
PepsiCo Inc. COM 713448108   13,365 78,690 SH   SOLE   78,690 0 0
Phillips 66 COM 718546104   16,825 126,372 SH   SOLE   126,372 0 0
Roche Holdings Ltd. (ADR) COM 771195104   1,754 48,402 SH   SOLE   48,402 0 0
TJX Companies Inc. COM 872540109   25,180 268,419 SH   SOLE   268,419 0 0
The Walt Disney Co. COM 254687106   4,080 45,188 SH   SOLE   45,188 0 0
Union Pacific Corp. COM 907818108   18,398 74,904 SH   SOLE   74,904 0 0
UnitedHealth Group Inc. COM 91324P102   18,674 35,471 SH   SOLE   35,471 0 0
Visa Inc. Class A COM 92826C839   19,970 76,703 SH   SOLE   76,703 0 0
W.R. Berkley Corp. COM 084423102   18,663 263,900 SH   SOLE   263,900 0 0
Avantis U.S. Small-Cap Value E ETF 025072877   13,069 145,538 SH   SOLE   145,538 0 0
Vanguard FTSE Developed Market ETF 921943858   43,058 898,907 SH   SOLE   898,907 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   28,725 265,354 SH   SOLE   265,354 0 0
iShares MSCI Emerging Market e ETF 46434g764   12,123 218,790 SH   SOLE   218,790 0 0
Janus Henderson Enterprise Fun ETF 47103D405   2,350 17,675 SH   SOLE   17,675 0 0
T. Rowe Price Small-Cap Value ETF 77957Q103   1,349 25,941 SH   SOLE   25,941 0 0
T. Rowe Price Small-Cap Value ETF 77957Q301   319 6,152 SH   SOLE   6,152 0 0
Vanguard Small-Cap Index Fund ETF 922908686   1,126 11,019 SH   SOLE   11,019 0 0
Fidelity Contrafund ETF 316071109   638 39,653 SH   SOLE   39,653 0 0
Health Care Select Sector SPDR ETF 81369Y209   326 2,390 SH   SOLE   2,390 0 0
Invesco Comstock Fund R6 ETF 00143M331   1,453 53,288 SH   SOLE   53,288 0 0
Invesco V.I. Comstock Fund VIT ETF 00888X773   546 13,882 SH   SOLE   13,882 0 0
JPMorgan Equity Income Fund I ETF 4812C0498   946 41,159 SH   SOLE   41,159 0 0
JPMorgan Equity Income Fund R6 ETF 46636U876   4,706 204,789 SH   SOLE   204,789 0 0
Principal Large-Cap Growth Fun ETF 74253J784   14,362 825,858 SH   SOLE   825,858 0 0
SPDR Portfolio S&P 500 Growth ETF 78464A409   352 5,415 SH   SOLE   5,415 0 0
SPDR Portfolio S&P 500 Value E ETF 78464A508   469 10,055 SH   SOLE   10,055 0 0
SPDR S&P 500 ETF ETF 78462F103   3,507 7,378 SH   SOLE   7,378 0 0
Schwab S&P 500 Index Fund ETF 808509855   328 4,490 SH   SOLE   4,490 0 0
T. Rowe Price Blue Chip Growth ETF 77954T878   552 9,366 SH   SOLE   9,366 0 0
T. Rowe Price Dividend Growth ETF 779546308   607 8,581 SH   SOLE   8,581 0 0
Vanguard 500 Index Fund Adm ETF 922908710   509 1,158 SH   SOLE   1,158 0 0
Vanguard Institutional Index F ETF 922040100   267 679 SH   SOLE   679 0 0
iShares S&P 500 Growth ETF ETF 464287309   1,132 15,070 SH   SOLE   15,070 0 0
iShares S&P 500 Index Fund K ETF 066922204   4,101 7,338 SH   SOLE   7,338 0 0
American Funds Europacific Gro ETF 298706409   333 6,118 SH   SOLE   6,118 0 0
Invesco Developing Markets Fun ETF 683974505   1,320 34,168 SH   SOLE   34,168 0 0
T. Rowe Price Overseas Stock F ETF 77956H435   4,287 343,513 SH   SOLE   343,513 0 0
Vanguard Total Intl Stock Inde ETF 921909818   806 25,898 SH   SOLE   25,898 0 0
Eaton Vance Income Fund of Bos ETF 277907200   186 36,181 SH   SOLE   36,181 0 0
Vanguard Short-Term Corporate ETF 92206C409   515 6,660 SH   SOLE   6,660 0 0
Vanguard Short-Term Corporate ETF 921925863   176 15,004 SH   SOLE   15,004 0 0
Vanguard Short-Term Inv Grade ETF 922031836   4,146 405,261 SH   SOLE   405,261 0 0
Vanguard Short-Term Inv Grade ETF 922031406   164 15,984 SH   SOLE   15,984 0 0
SPDR Gold Trust ETF 78463V107   10,672 55,823 SH   SOLE   55,823 0 0
iShares Gold Trust ETF 464285204   9,613 246,304 SH   SOLE   246,304 0 0