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
Estimated average burden
hours per response: 23.8
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 2,530 22,896 SH   SOLE   15,735 0 7,161
ABBOTT LABS COM 002824100 602 6,221 SH   SOLE   5,917 0 304
ABBVIE INC COM 00287Y109 2,238 16,679 SH   SOLE   16,679 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 248 965 SH   SOLE   30 0 935
ADOBE SYSTEMS INCORPORATED COM 00724F101 743 2,700 SH   SOLE   2,700 0 0
ADVANCED MICRO DEVICES INC COM 007903107 393 6,204 SH   SOLE   6,204 0 0
AIR PRODS & CHEMS INC COM 009158106 625 2,687 SH   SOLE   2,687 0 0
ALPHABET INC CAP STK CL C 02079K107 17,257 179,480 SH   SOLE   144,440 0 35,040
ALPHABET INC CAP STK CL A 02079K305 8,314 86,920 SH   SOLE   73,960 0 12,960
ALTRIA GROUP INC COM 02209S103 1,013 25,085 SH   SOLE   21,851 0 3,234
AMAZON COM INC COM 023135106 10,098 89,360 SH   SOLE   69,920 0 19,440
AMERICAN ELEC PWR CO INC COM 025537101 622 7,197 SH   SOLE   5,197 0 2,000
AMERICAN EXPRESS CO COM 025816109 325 2,406 SH   SOLE   428 0 1,978
AMPHENOL CORP NEW CL A 032095101 260 3,888 SH   SOLE   0 0 3,888
APPLE INC COM 037833100 51,564 373,110 SH   SOLE   314,080 0 59,030
AT&T INC COM 00206R102 436 28,426 SH   SOLE   28,426 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,412 10,663 SH   SOLE   5,080 0 5,583
AUTOZONE INC COM 053332102 1,499 700 SH   SOLE   0 0 700
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 252 944 SH   SOLE   538 0 406
BIOGEN INC COM 09062X103 267 1,000 SH   SOLE   1,000 0 0
BK OF AMERICA CORP COM 060505104 9,649 319,507 SH   SOLE   273,749 0 45,758
BLACKROCK INC COM 09247X101 10,084 18,326 SH   SOLE   15,161 0 3,165
BRISTOL-MYERS SQUIBB CO COM 110122108 354 4,975 SH   SOLE   4,750 0 225
CATERPILLAR INC COM 149123101 6,835 41,657 SH   SOLE   35,922 0 5,735
CHEVRON CORP NEW COM 166764100 3,263 22,715 SH   SOLE   21,640 0 1,075
CHUBB LIMITED COM H1467J104 11,252 61,863 SH   SOLE   49,808 0 12,055
CISCO SYS INC COM 17275R102 947 23,669 SH   SOLE   23,669 0 0
COCA COLA CO COM 191216100 892 15,920 SH   SOLE   15,920 0 0
COMCAST CORP NEW CL A 20030N101 6,368 217,118 SH   SOLE   188,241 0 28,877
CONOCOPHILLIPS COM 20825C104 512 5,005 SH   SOLE   3,150 0 1,855
COSTCO WHSL CORP NEW COM 22160K105 519 1,100 SH   SOLE   1,100 0 0
CSX CORP COM 126408103 8,848 332,134 SH   SOLE   262,733 0 69,401
CVS HEALTH CORP COM 126650100 10,129 106,206 SH   SOLE   85,090 0 21,116
DANAHER CORPORATION COM 235851102 18,635 72,148 SH   SOLE   61,323 0 10,825
DEERE & CO COM 244199105 434 1,300 SH   SOLE   1,300 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 214 1,258 SH   SOLE   0 0 1,258
DISCOVER FINL SVCS COM 254709108 9,815 107,957 SH   SOLE   85,510 0 22,447
DISNEY WALT CO COM 254687106 7,743 82,079 SH   SOLE   64,113 0 17,966
ECOLAB INC COM 278865100 10,285 71,213 SH   SOLE   52,132 0 19,081
EMERSON ELEC CO COM 291011104 7,299 99,682 SH   SOLE   74,190 0 25,492
EOG RES INC COM 26875P101 1,084 9,703 SH   SOLE   9,228 0 475
EVEREST RE GROUP LTD COM G3223R108 7,063 26,911 SH   SOLE   23,538 0 3,373
EXXON MOBIL CORP COM 30231G102 1,971 22,583 SH   SOLE   22,483 0 100
FASTENAL CO COM 311900104 433 9,400 SH   SOLE   9,400 0 0
FIDELITY NATL INFORMATION SV COM 31620M106 355 4,701 SH   SOLE   4,527 0 174
FISERV INC COM 337738108 13,873 148,262 SH   SOLE   122,765 0 25,497
FORD MTR CO DEL COM 345370860 145 12,950 SH   SOLE   200 0 12,750
GALLAGHER ARTHUR J & CO COM 363576109 274 1,600 SH   SOLE   1,600 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 7,189 24,532 SH   SOLE   20,605 0 3,927
GRAINGER W W INC COM 384802104 677 1,383 SH   SOLE   1,383 0 0
HARLEY DAVIDSON INC COM 412822108 437 12,529 SH   SOLE   12,529 0 0
HOME DEPOT INC COM 437076102 20,724 75,103 SH   SOLE   59,766 0 15,337
HONEYWELL INTL INC COM 438516106 329 1,970 SH   SOLE   1,970 0 0
INTEL CORP COM 458140100 1,603 62,202 SH   SOLE   45,136 0 17,066
INTERNATIONAL BUSINESS MACHS COM 459200101 545 4,583 SH   SOLE   3,263 0 1,320
INVESCO QQQ TR UNIT SER 1 46090E103 595 2,227 SH   SOLE   1,927 0 300
ISHARES INC CORE MSCI EMKT 46434G103 275 6,396 SH   SOLE   212 0 6,184
ISHARES INC MSCI EMERG MRKT 464286533 508 10,017 SH   SOLE   10,017 0 0
ISHARES TR CORE S&P MCP ETF 464287507 276 1,257 SH   SOLE   1,218 0 39
ISHARES TR RUS 2000 VAL ETF 464287630 618 4,795 SH   SOLE   4,795 0 0
ISHARES TR SELECT DIVID ETF 464287168 805 7,507 SH   SOLE   7,507 0 0
ISHARES TR CORE S&P SCP ETF 464287804 9,538 109,388 SH   SOLE   100,628 0 8,760
ISHARES TR MSCI USA QLT FCT 46432F339 3,589 34,531 SH   SOLE   34,065 0 466
ISHARES TR MSCI USA VALUE 46432F388 6,505 79,470 SH   SOLE   77,690 0 1,780
ISHARES TR PFD AND INCM SEC 464288687 207 6,550 SH   SOLE   6,550 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 4,762 72,044 SH   SOLE   71,334 0 710
ISHARES TR MSCI USA MMENTM 46432F396 3,289 25,070 SH   SOLE   24,135 0 935
ISHARES TR RUS 1000 GRW ETF 464287614 635 3,016 SH   SOLE   0 0 3,016
ISHARES TR RUS 2000 GRW ETF 464287648 749 3,625 SH   SOLE   1,625 0 2,000
ISHARES TR RUSSELL 2000 ETF 464287655 2,484 15,062 SH   SOLE   11,462 0 3,600
JOHNSON & JOHNSON COM 478160104 2,552 15,627 SH   SOLE   13,877 0 1,750
JPMORGAN CHASE & CO COM 46625H100 1,551 14,844 SH   SOLE   14,094 0 750
KIMBERLY-CLARK CORP COM 494368103 959 8,523 SH   SOLE   8,523 0 0
LILLY ELI & CO COM 532457108 448 1,385 SH   SOLE   1,385 0 0
LOWES COS INC COM 548661107 1,172 6,242 SH   SOLE   6,242 0 0
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 243 3,231 SH   SOLE   3,231 0 0
MARSH & MCLENNAN COS INC COM 571748102 1,279 8,565 SH   SOLE   8,565 0 0
MCDONALDS CORP COM 580135101 420 1,822 SH   SOLE   822 0 1,000
MERCK & CO INC COM 58933Y105 2,280 26,472 SH   SOLE   18,822 0 7,650
MICROSOFT CORP COM 594918104 20,460 87,848 SH   SOLE   71,857 0 15,991
MORGAN STANLEY COM NEW 617446448 439 5,550 SH   SOLE   5,550 0 0
NEOGEN CORP COM 640491106 838 60,000 SH   SOLE   60,000 0 0
NEXTERA ENERGY INC COM 65339F101 318 4,054 SH   SOLE   4,054 0 0
NIKE INC CL B 654106103 534 6,420 SH   SOLE   6,420 0 0
PEPSICO INC COM 713448108 10,530 64,497 SH   SOLE   55,739 0 8,758
PFIZER INC COM 717081103 9,674 221,063 SH   SOLE   193,307 0 27,756
PHILIP MORRIS INTL INC COM 718172109 248 2,993 SH   SOLE   1,610 0 1,383
PRICE T ROWE GROUP INC COM 74144T108 1,806 17,195 SH   SOLE   13,793 0 3,402
PROCTER AND GAMBLE CO COM 742718109 2,539 20,108 SH   SOLE   20,108 0 0
QUALCOMM INC COM 747525103 10,219 90,449 SH   SOLE   79,477 0 10,972
RAYTHEON TECHNOLOGIES CORP COM 75513E101 7,675 93,757 SH   SOLE   79,296 0 14,461
ROPER TECHNOLOGIES INC COM 776696106 5,447 15,145 SH   SOLE   12,005 0 3,140
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 297 2,500 SH   SOLE   1,600 0 900
SELECT SECTOR SPDR TR ENERGY 81369Y506 11,275 156,547 SH   SOLE   129,781 0 26,766
SHERWIN WILLIAMS CO COM 824348106 9,554 46,661 SH   SOLE   36,734 0 9,927
SPDR GOLD TR GOLD SHS 78463V107 2,066 13,355 SH   SOLE   13,355 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 493 1,380 SH   SOLE   1,380 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 322 801 SH   SOLE   217 0 584
SPDR SER TR S&P DIVID ETF 78464A763 1,660 14,891 SH   SOLE   14,891 0 0
SPDR SER TR S&P METALS MNG 78464A755 7,497 176,432 SH   SOLE   154,065 0 22,367
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 354 5,159 SH   SOLE   0 0 5,159
TARGET CORP COM 87612E106 2,279 15,361 SH   SOLE   2,816 0 12,545
TERADYNE INC COM 880770102 384 5,110 SH   SOLE   4,675 0 435
TEXAS INSTRS INC COM 882508104 310 2,000 SH   SOLE   2,000 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102 1,563 3,082 SH   SOLE   1,916 0 1,166
TJX COS INC NEW COM 872540109 446 7,180 SH   SOLE   7,180 0 0
UNITEDHEALTH GROUP INC COM 91324P102 760 1,505 SH   SOLE   1,505 0 0
US BANCORP DEL COM NEW 902973304 2,570 63,749 SH   SOLE   39,182 0 24,567
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,936 20,471 SH   SOLE   14,921 0 5,550
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 414 1,261 SH   SOLE   1,261 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,474 55,803 SH   SOLE   54,720 0 1,083
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 5,703 156,293 SH   SOLE   155,323 0 970
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 7,244 199,221 SH   SOLE   181,366 0 17,855
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 3,135 60,237 SH   SOLE   45,287 0 14,950
VERIZON COMMUNICATIONS INC COM 92343V104 412 10,840 SH   SOLE   9,840 0 1,000
VISA INC COM CL A 92826C839 17,084 96,168 SH   SOLE   75,829 0 20,339
WALMART INC COM 931142103 7,501 57,830 SH   SOLE   50,395 0 7,435
WEC ENERGY GROUP INC COM 92939U106 423 4,732 SH   SOLE   4,732 0 0
WELLS FARGO CO NEW COM 949746101 813 20,213 SH   SOLE   0 0 20,213
WEYERHAEUSER CO MTN BE COM NEW 962166104 1,374 48,120 SH   SOLE   45,176 0 2,944
WISDOMTREE TR US LARGECAP DIVD 97717W307 321 5,800 SH   SOLE   0 0 5,800