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 1COLUMN 2COLUMN 3COLUMN 4COLUMN 5COLUMN 6COLUMN 7COLUMN 8
VALUESHRS ORSH/PUT/INVESTMENTOTHERVOTING AUTHORITY
NAME OF ISSUERTITLE OF CLASSCUSIP(x$1000)PRN AMTPRNCALLDISCRETIONMANAGERSOLESHAREDNONE
3M CompanyCOM88579Y1011,2647,207SH SOLE 007,207
ABB LtdCOM0003752044,875146,126SH SOLE 00146,126
ADMCOM0394831023575,954SH SOLE 005,954
ATN InternationalCOM00215f1073988,485SH SOLE 008,485
AbbVie IncCOM00287y1092572,381SH SOLE 002,381
Abbott LabsCOM0028241009588,108SH SOLE 008,108
AccentureCOMG1151C1013571,117SH SOLE 001,117
Airbnb Inc.COM0090661012,87817,155SH SOLE 0017,155
Alibaba Holdings LtdCOM01609w1022,12014,322SH SOLE 0014,322
Alphabet Inc Class ACOM02079k305757283SH SOLE 00283
Alphabet Inc Class CCOM02079k107560210SH SOLE 00210
Amazon.comCOM0231351068,1832,491SH SOLE 002,491
Americold Realty TrustCOM03064D10860420,800SH SOLE 0020,800
Amgen IncCOM0311621004,08019,185SH SOLE 0019,185
Analog Devices IncCOM0326541051,0916,512SH SOLE 006,512
Apollo Global Mgmt Cl ACOM03768E10571411,600SH SOLE 0011,600
Apple IncCOM0378331008,26758,422SH SOLE 0058,422
Applied MaterialsCOM0382221052061,600SH SOLE 001,600
Bank of New York MellonCOM0640581003,40865,742SH SOLE 0065,742
Becton Dickinson Co.COM0758871093,36413,684SH SOLE 0013,684
Berkshire Hathaway Cl ACOM0846701088232SH SOLE 002
Berkshire Hathaway Cl BCOM0846707021,1884,353SH SOLE 004,353
Blackstone Group Inc.COM09260D1071,29111,100SH SOLE 0011,100
Bristol Myers Squibb CoCOM1101221083876,538SH SOLE 006,538
Check Point Software (ISR)COMM224651043,20628,361SH SOLE 0028,361
Chevron CorpCOM1667641002702,657SH SOLE 002,657
China Life Insurance Co.COM16939P10637946,492SH SOLE 0046,492
Chubb LtdCOMH1467J1041,5669,029SH SOLE 009,029
Church & DwightCOM1713401024,46054,017SH SOLE 0054,017
CignaCOM1255231004742,369SH SOLE 002,369
Cintas CorpCOM172908105272715SH SOLE 00715
Cisco SystemsCOM17275R1022,92853,792SH SOLE 0053,792
Coca Cola CoCOM1912161002134,057SH SOLE 004,057
ColgateCOM1941621033684,875SH SOLE 004,875
Costco Wholesale Corp.COM22160K105224498SH SOLE 00498
Credit Acceptance CorpCOM225310101472806SH SOLE 00806
Diageo PLCCOM25243Q2055,37027,824SH SOLE 0027,824
Dover CorpCOM2600031087234,650SH SOLE 004,650
Eli LillyCOM5324571083291,426SH SOLE 001,426
Emerson ElectricCOM2910111044524,795SH SOLE 004,795
Enanta Pharmaceuticals IncCOM29251m1063,55862,635SH SOLE 0062,635
Enstar Group LtdCOMG3075P1016342,700SH SOLE 002,700
Exxon Mobil CorpCOM30231G10270912,052SH SOLE 0012,052
FEMSACOM3444191062,16925,010SH SOLE 0025,010
FedEx Corp.COM31428X1063,69616,853SH SOLE 0016,853
Fidelity National Info ServiceCOM31620m1062932,404SH SOLE 002,404
Fifth Third BancorpCOM31677310074617,568SH SOLE 0017,568
First BancorpCOM31866p10235012,025SH SOLE 0012,025
General ElectricCOM3696043014003,887SH SOLE 003,887
General MillsCOM37033410462610,464SH SOLE 0010,464
Goldman Sachs JUST US Large CaCOM3814303964697,505SH SOLE 007,505
Hannon Armstrong Sustainable ICOM41068X1002174,050SH SOLE 004,050
Hasbro CorpCOM4180561073,71641,648SH SOLE 0041,648
Hershey Foods CorpCOM4278661083,85922,803SH SOLE 0022,803
Home DepotCOM4370761024671,424SH SOLE 001,424
Honeywell InternationalCOM4385161061,2415,847SH SOLE 005,847
IBMCOM4592001014,20830,287SH SOLE 0030,287
Idexx LabsCOM45168D1041,8823,027SH SOLE 003,027
Illinois Tool WorksCOM4523081093061,482SH SOLE 001,482
IntelCOM4581401004,33581,355SH SOLE 0081,355
JP Morgan Chase & Co.COM46625H1009325,695SH SOLE 005,695
Johnson & JohnsonCOM4781601041,92711,934SH SOLE 0011,934
Kellogg CoCOM4878361083475,430SH SOLE 005,430
Laboratory Corp of AmericaCOM50540r4095611,995SH SOLE 001,995
Linde PLCCOMG5494J1033241,104SH SOLE 001,104
ManpowerCOM56418H1004344,005SH SOLE 004,005
Markel CorpCOM570535104442370SH SOLE 00370
Mastercard Inc.COM57636q104290835SH SOLE 00835
Matson IncCOM57686G1052402,971SH SOLE 002,971
McCormick IncCOM5797802062,47430,536SH SOLE 0030,536
McDonald'sCOM5801351011,7267,158SH SOLE 007,158
MercadoLibre Inc.COM58733R102736438SH SOLE 00438
Merck & CoCOM58933y1051,13415,103SH SOLE 0015,103
MicrosoftCOM59491810412,10142,925SH SOLE 0042,925
Natura & Co.COM63884n10821112,675SH SOLE 0012,675
Netflix Inc.COM64110l1061,2822,100SH SOLE 002,100
Nextera Energy Inc.COM65339f1012893,676SH SOLE 003,676
Nike Inc BCOM6541061033272,249SH SOLE 002,249
Norfolk SouthernCOM6558441084,96220,740SH SOLE 0020,740
OracleCOM68389X1052613,000SH SOLE 003,000
Palo Alto Networks IncCOM697435105203424SH SOLE 00424
PayPal Holdings, Inc.COM70450y103257986SH SOLE 00986
PepsicoCOM7134481083872,575SH SOLE 002,575
PfizerCOM71708110357113,264SH SOLE 0013,264
Philip Morris Int'lCOM7181721093073,242SH SOLE 003,242
Procter & GambleCOM7427181091,81712,997SH SOLE 0012,997
Qualcomm Inc.COM7475251032742,124SH SOLE 002,124
Rockwell Automation IncCOM7739031095,89120,033SH SOLE 0020,033
Roper IndustriesCOM776696106391877SH SOLE 00877
Royal Dutch Shell A ADRCOM78025920696921,750SH SOLE 0021,750
Royal Dutch Shell B ADRCOM7802591071,48133,455SH SOLE 0033,455
SPDR Gold SharesCOM78463v1073892,368SH SOLE 002,368
SPDR S&P 500COM78462F10367,093156,344SH SOLE 00156,344
SPDR S&P Mid Cap 400COM78467Y10742,28887,939SH SOLE 0087,939
Schwab US REITCOM8085248473447,539SH SOLE 007,539
Sherwin WilliamsCOM8243481068483,033SH SOLE 003,033
Smith & Nephew (UK) ADRCOM83175M20582023,886SH SOLE 0023,886
TSMCCOM8740391005484,906SH SOLE 004,906
Texas InstrumentsCOM8825081046,35233,045SH SOLE 0033,045
Thermo Fisher ScientificCOM883556102385673SH SOLE 00673
US BancorpCOM9029733044,16069,983SH SOLE 0069,983
Unilever PLCCOM9047677044,39681,084SH SOLE 0081,084
Vanguard All World ex-USCOM9220427754,57375,021SH SOLE 0075,021
Vanguard CRSP Mid CapCOM9229086291,4656,188SH SOLE 006,188
Vanguard Emerging MarketsCOM92204285818,284365,603SH SOLE 00365,603
Vanguard FTSE All World ex-USCOM92204271810,18476,173SH SOLE 0076,173
Vanguard FTSE Developed MarketCOM9219438586,200122,801SH SOLE 00122,801
Vanguard Large Cap GrowthCOM9229087363391,170SH SOLE 001,170
Vanguard Large Cap ValueCOM9229087442431,796SH SOLE 001,796
Vanguard Russell 2000 ValueCOM92206C6495593,979SH SOLE 003,979
Vanguard S&P 500COM9229083631,4213,604SH SOLE 003,604
Vanguard Total US MarketCOM92290876915,70770,732SH SOLE 0070,732
Verizon CommunicationsCOM92343V1042825,227SH SOLE 005,227
Visa IncCOM92826C8392961,328SH SOLE 001,328
Walt Disney CompanyCOM2546871066353,754SH SOLE 003,754
Waters CorpCOM9418481035471,530SH SOLE 001,530
Westrock CoCOM96145d1054268,544SH SOLE 008,544
WisdomTree Emerging Markets SmCOM97717W2813,19459,716SH SOLE 0059,716
WisdomTree India FundCOM97717w4221,55241,501SH SOLE 0041,501
Xylem IncCOM98419m1002,98524,131SH SOLE 0024,131
iShares Core MSCI EAFECOM46432f84210,345139,322SH SOLE 00139,322
iShares Core MSCI Emerging MarCOM46434G1035,44488,142SH SOLE 0088,142
iShares Core S&P 500COM46428720010,38624,108SH SOLE 0024,108
iShares ESG MSCI EAFE IndexCOM46435g5162633,355SH SOLE 003,355
iShares ESG MSCI Emerging MarkCOM46434g8632485,985SH SOLE 005,985
iShares ESG USA Mid/Small CapCOM46435u66339310,085SH SOLE 0010,085
iShares MSCI All-Country WorldCOM4642882572682,681SH SOLE 002,681
iShares MSCI EAFE IndexCOM46428746521,894280,661SH SOLE 00280,661
iShares MSCI Emerging MarketsCOM46428723412,631250,715SH SOLE 00250,715
iShares MSCI USA ESG Select ETCOM4642888026286,550SH SOLE 006,550
iShares Mid Cap S&P 400COM46428750721,67482,388SH SOLE 0082,388
iShares Russell 2000COM46428765514,38465,756SH SOLE 0065,756
iShares Russell 2000 GrowthCOM464287648223759SH SOLE 00759
iShares Russell 2000 ValueCOM4642876302001,251SH SOLE 001,251
iShares Russell 3000 IndexCOM4642876895862,300SH SOLE 002,300
iShares Russell MicrocapCOM4642888696054,195SH SOLE 004,195
iShares Russell Mid Cap GrowthCOM4642874812131,898SH SOLE 001,898
iShares S&P 100 IndexCOM4642871014472,263SH SOLE 002,263
iShares S&P 500 GrowthCOM4642873092903,924SH SOLE 003,924
iShares Select DividendCOM4642871681,36011,855SH SOLE 0011,855
iShares Small Cap S&P 600COM4642878044063,722SH SOLE 003,722
JP Morgan Ultra-Short IncomeCOM46641Q8372504,925SH SOLE 004,925
PIMCO Enhanced Shrt Mat ActiveCOM72201R8332042,000SH SOLE 002,000
SPDR Investment Grade FloatingCOM78468R2009,049295,150SH SOLE 00295,150
SPDR Portfolio Intermediate TrCOM78464a67266620,620SH SOLE 0020,620
SPDR Portfolio Short Term TreaCOM78468r1018,288270,575SH SOLE 00270,575
Vanguard Intermediate-Term TreCOM92206C70669610,310SH SOLE 0010,310
Vanguard Short-Term TIPS BondCOM92202080513,305253,034SH SOLE 00253,034
Vanguard Short-Term Treasury ECOM92206C1029,116148,452SH SOLE 00148,452
iShares 0-5 Year TIPS Bond ETFCOM46429b74713,270125,624SH SOLE 00125,624
iShares AAA-A Rated CorporateCOM46429B2917,466132,533SH SOLE 00132,533
iShares Agency Bond ETFCOM4642881663,50729,603SH SOLE 0029,603
iShares Floating Rate Bond ETFCOM46429B6559,134179,670SH SOLE 00179,670
iShares GNMA Bond ETFCOM46429B3338,263165,300SH SOLE 00165,300
iShares MBS ETFCOM4642885888,26176,389SH SOLE 0076,389
iShares Short-Term National MuCOM4642881581,88817,550SH SOLE 0017,550
iShares Ultra Short Term BondCOM46434V8782504,950SH SOLE 004,950