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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Company COM 88579Y101 1,280 7,207 SH   SOLE   0 0 7,207
ABB Ltd COM 000375204 5,667 148,466 SH   SOLE   0 0 148,466
ADM COM 039483102 365 5,404 SH   SOLE   0 0 5,404
ATN International COM 00215f107 339 8,485 SH   SOLE   0 0 8,485
AbbVie Inc COM 00287y109 313 2,310 SH   SOLE   0 0 2,310
Abbott Labs COM 002824100 791 5,621 SH   SOLE   0 0 5,621
Accenture COM G1151C101 442 1,067 SH   SOLE   0 0 1,067
Airbnb Inc. COM 009066101 2,954 17,743 SH   SOLE   0 0 17,743
Alibaba Holdings Ltd COM 01609w102 1,843 15,514 SH   SOLE   0 0 15,514
Alphabet Inc Class A COM 02079k305 782 270 SH   SOLE   0 0 270
Alphabet Inc Class C COM 02079k107 570 197 SH   SOLE   0 0 197
Amazon.com COM 023135106 7,616 2,284 SH   SOLE   0 0 2,284
Americold Realty Trust COM 03064D108 1,204 36,720 SH   SOLE   0 0 36,720
Amgen Inc COM 031162100 4,618 20,527 SH   SOLE   0 0 20,527
Analog Devices Inc COM 032654105 1,632 9,287 SH   SOLE   0 0 9,287
Apollo Global Mgmt Cl A COM 03769m106 496 6,850 SH   SOLE   0 0 6,850
Apple Inc COM 037833100 10,133 57,063 SH   SOLE   0 0 57,063
Applied Materials COM 038222105 252 1,600 SH   SOLE   0 0 1,600
Bank of New York Mellon COM 064058100 3,937 67,792 SH   SOLE   0 0 67,792
Becton Dickinson Co. COM 075887109 3,571 14,198 SH   SOLE   0 0 14,198
Berkshire Hathaway Cl A COM 084670108 901 2 SH   SOLE   0 0 2
Berkshire Hathaway Cl B COM 084670702 1,302 4,353 SH   SOLE   0 0 4,353
Blackstone Group Inc. COM 09260D107 899 6,950 SH   SOLE   0 0 6,950
Bristol Myers Squibb Co COM 110122108 408 6,538 SH   SOLE   0 0 6,538
Check Point Software (ISR) COM M22465104 3,448 29,581 SH   SOLE   0 0 29,581
Chevron Corp COM 166764100 287 2,447 SH   SOLE   0 0 2,447
China Life Insurance Co. COM 16939P106 368 44,742 SH   SOLE   0 0 44,742
Chubb Ltd COM H1467J104 1,736 8,979 SH   SOLE   0 0 8,979
Church & Dwight COM 171340102 5,688 55,492 SH   SOLE   0 0 55,492
Cigna COM 125523100 534 2,326 SH   SOLE   0 0 2,326
Cintas Corp COM 172908105 317 715 SH   SOLE   0 0 715
Cisco Systems COM 17275R102 4,279 67,517 SH   SOLE   0 0 67,517
Colgate COM 194162103 359 4,206 SH   SOLE   0 0 4,206
Costco Wholesale Corp. COM 22160K105 261 459 SH   SOLE   0 0 459
Credit Acceptance Corp COM 225310101 352 512 SH   SOLE   0 0 512
Diageo PLC COM 25243Q205 6,208 28,202 SH   SOLE   0 0 28,202
Dover Corp COM 260003108 539 2,970 SH   SOLE   0 0 2,970
Eli Lilly COM 532457108 394 1,426 SH   SOLE   0 0 1,426
Emerson Electric COM 291011104 446 4,795 SH   SOLE   0 0 4,795
Enanta Pharmaceuticals Inc COM 29251m106 5,673 75,869 SH   SOLE   0 0 75,869
Enstar Group Ltd COM G3075P101 365 1,475 SH   SOLE   0 0 1,475
Exxon Mobil Corp COM 30231G102 737 12,052 SH   SOLE   0 0 12,052
FEMSA COM 344419106 2,052 26,400 SH   SOLE   0 0 26,400
FedEx Corp. COM 31428X106 4,856 18,776 SH   SOLE   0 0 18,776
Fidelity National Info Service COM 31620m106 228 2,090 SH   SOLE   0 0 2,090
Fifth Third Bancorp COM 316773100 765 17,568 SH   SOLE   0 0 17,568
First Bancorp COM 31866p102 367 11,690 SH   SOLE   0 0 11,690
General Electric COM 369604301 361 3,825 SH   SOLE   0 0 3,825
General Mills COM 370334104 705 10,464 SH   SOLE   0 0 10,464
Goldman Sachs JUST US Large Ca COM 381430396 513 7,505 SH   SOLE   0 0 7,505
Hannon Armstrong Sustainable I COM 41068X100 215 4,050 SH   SOLE   0 0 4,050
Hasbro Corp COM 418056107 4,436 43,581 SH   SOLE   0 0 43,581
Hershey Foods Corp COM 427866108 4,520 23,362 SH   SOLE   0 0 23,362
Home Depot COM 437076102 532 1,283 SH   SOLE   0 0 1,283
Honeywell International COM 438516106 1,219 5,847 SH   SOLE   0 0 5,847
IBM COM 459200101 4,292 32,112 SH   SOLE   0 0 32,112
Idexx Labs COM 45168D104 2,120 3,220 SH   SOLE   0 0 3,220
Illinois Tool Works COM 452308109 306 1,239 SH   SOLE   0 0 1,239
Intel COM 458140100 4,514 87,656 SH   SOLE   0 0 87,656
JP Morgan Chase & Co. COM 46625H100 902 5,695 SH   SOLE   0 0 5,695
Johnson & Johnson COM 478160104 1,908 11,154 SH   SOLE   0 0 11,154
Kellogg Co COM 487836108 350 5,430 SH   SOLE   0 0 5,430
Laboratory Corp of America COM 50540r409 375 1,192 SH   SOLE   0 0 1,192
Linde PLC COM G5494J103 313 904 SH   SOLE   0 0 904
Manpower COM 56418H100 382 3,925 SH   SOLE   0 0 3,925
Markel Corp COM 570535104 271 220 SH   SOLE   0 0 220
Mastercard Inc. COM 57636q104 289 805 SH   SOLE   0 0 805
Matson Inc COM 57686G105 267 2,971 SH   SOLE   0 0 2,971
McCormick Inc COM 579780206 3,123 32,331 SH   SOLE   0 0 32,331
McDonald's COM 580135101 1,864 6,954 SH   SOLE   0 0 6,954
MercadoLibre Inc. COM 58733R102 1,001 742 SH   SOLE   0 0 742
Merck & Co COM 58933y105 1,157 15,093 SH   SOLE   0 0 15,093
Microsoft COM 594918104 14,260 42,401 SH   SOLE   0 0 42,401
Netflix Inc. COM 64110l106 1,063 1,765 SH   SOLE   0 0 1,765
Nextera Energy Inc. COM 65339f101 306 3,276 SH   SOLE   0 0 3,276
Nike Inc B COM 654106103 346 2,074 SH   SOLE   0 0 2,074
Norfolk Southern COM 655844108 6,201 20,829 SH   SOLE   0 0 20,829
Oracle COM 68389X105 262 3,000 SH   SOLE   0 0 3,000
Palo Alto Networks Inc COM 697435105 236 423 SH   SOLE   0 0 423
Pepsico COM 713448108 432 2,485 SH   SOLE   0 0 2,485
Pfizer COM 717081103 783 13,264 SH   SOLE   0 0 13,264
Philip Morris Int'l COM 718172109 308 3,242 SH   SOLE   0 0 3,242
Procter & Gamble COM 742718109 2,095 12,809 SH   SOLE   0 0 12,809
Qualcomm Inc. COM 747525103 388 2,124 SH   SOLE   0 0 2,124
Rockwell Automation Inc COM 773903109 6,989 20,035 SH   SOLE   0 0 20,035
Roper Industries COM 776696106 258 525 SH   SOLE   0 0 525
Royal Dutch Shell A ADR COM 780259206 876 20,175 SH   SOLE   0 0 20,175
Royal Dutch Shell B ADR COM 780259107 1,403 32,375 SH   SOLE   0 0 32,375
S&P Global Inc COM 78409V104 212 450 SH   SOLE   0 0 450
SPDR Gold Shares COM 78463v107 392 2,292 SH   SOLE   0 0 2,292
SPDR S&P 500 COM 78462F103 73,496 154,741 SH   SOLE   0 0 154,741
SPDR S&P Mid Cap 400 COM 78467Y107 45,369 87,640 SH   SOLE   0 0 87,640
Schwab US REIT COM 808524847 397 7,539 SH   SOLE   0 0 7,539
Sherwin Williams COM 824348106 1,068 3,033 SH   SOLE   0 0 3,033
Smith & Nephew (UK) ADR COM 83175M205 827 23,886 SH   SOLE   0 0 23,886
TSMC COM 874039100 590 4,906 SH   SOLE   0 0 4,906
Texas Instruments COM 882508104 6,476 34,362 SH   SOLE   0 0 34,362
Thermo Fisher Scientific COM 883556102 380 569 SH   SOLE   0 0 569
US Bancorp COM 902973304 3,510 62,494 SH   SOLE   0 0 62,494
Unilever PLC COM 904767704 4,687 87,129 SH   SOLE   0 0 87,129
Union Pacific Corp COM 907818108 224 891 SH   SOLE   0 0 891
Vanguard All World ex-US COM 922042775 4,597 75,021 SH   SOLE   0 0 75,021
Vanguard CRSP Mid Cap COM 922908629 1,552 6,093 SH   SOLE   0 0 6,093
Vanguard Emerging Markets COM 922042858 18,991 383,958 SH   SOLE   0 0 383,958
Vanguard FTSE All World ex-US COM 922042718 10,890 81,291 SH   SOLE   0 0 81,291
Vanguard FTSE Developed Market COM 921943858 6,213 121,690 SH   SOLE   0 0 121,690
Vanguard Large Cap Growth COM 922908736 347 1,080 SH   SOLE   0 0 1,080
Vanguard Large Cap Value COM 922908744 264 1,796 SH   SOLE   0 0 1,796
Vanguard Russell 2000 Value COM 92206C649 578 3,979 SH   SOLE   0 0 3,979
Vanguard S&P 500 COM 922908363 1,617 3,703 SH   SOLE   0 0 3,703
Vanguard Total US Market COM 922908769 16,943 70,177 SH   SOLE   0 0 70,177
Verizon Communications COM 92343V104 272 5,227 SH   SOLE   0 0 5,227
Visa Inc COM 92826C839 288 1,328 SH   SOLE   0 0 1,328
Walt Disney Company COM 254687106 581 3,754 SH   SOLE   0 0 3,754
Waters Corp COM 941848103 491 1,318 SH   SOLE   0 0 1,318
Westrock Co COM 96145d105 379 8,544 SH   SOLE   0 0 8,544
WisdomTree Emerging Markets Sm COM 97717W281 3,606 68,146 SH   SOLE   0 0 68,146
WisdomTree India Fund COM 97717w422 1,514 41,501 SH   SOLE   0 0 41,501
Xylem Inc COM 98419m100 3,038 25,330 SH   SOLE   0 0 25,330
iShares Core MSCI EAFE COM 46432f842 12,987 173,989 SH   SOLE   0 0 173,989
iShares Core MSCI Emerging Mar COM 46434G103 6,331 105,762 SH   SOLE   0 0 105,762
iShares Core S&P 500 COM 464287200 14,561 30,527 SH   SOLE   0 0 30,527
iShares ESG MSCI EAFE Index COM 46435g516 267 3,355 SH   SOLE   0 0 3,355
iShares ESG MSCI Emerging Mark COM 46434g863 238 5,985 SH   SOLE   0 0 5,985
iShares ESG USA Mid/Small Cap COM 46435u663 407 10,085 SH   SOLE   0 0 10,085
iShares MSCI All-Country World COM 464288257 284 2,681 SH   SOLE   0 0 2,681
iShares MSCI EAFE Index COM 464287465 21,831 277,471 SH   SOLE   0 0 277,471
iShares MSCI Emerging Markets COM 464287234 12,159 248,895 SH   SOLE   0 0 248,895
iShares MSCI USA ESG Select ET COM 464288802 772 7,270 SH   SOLE   0 0 7,270
iShares Mid Cap S&P 400 COM 464287507 26,112 92,241 SH   SOLE   0 0 92,241
iShares Russell 2000 COM 464287655 15,220 68,420 SH   SOLE   0 0 68,420
iShares Russell 2000 Growth COM 464287648 222 759 SH   SOLE   0 0 759
iShares Russell 2000 Value COM 464287630 208 1,251 SH   SOLE   0 0 1,251
iShares Russell 3000 Index COM 464287689 1,464 5,275 SH   SOLE   0 0 5,275
iShares Russell Microcap COM 464288869 586 4,195 SH   SOLE   0 0 4,195
iShares Russell Mid Cap Growth COM 464287481 219 1,898 SH   SOLE   0 0 1,898
iShares S&P 100 Index COM 464287101 496 2,263 SH   SOLE   0 0 2,263
iShares S&P 500 Growth COM 464287309 328 3,924 SH   SOLE   0 0 3,924
iShares S&P Mid Cap 400 Value COM 464287705 214 1,934 SH   SOLE   0 0 1,934
iShares Select Dividend COM 464287168 1,435 11,705 SH   SOLE   0 0 11,705
iShares Small Cap S&P 600 COM 464287804 451 3,942 SH   SOLE   0 0 3,942
JP Morgan Ultra-Short Income COM 46641Q837 249 4,925 SH   SOLE   0 0 4,925
SPDR Investment Grade Floating COM 78468R200 10,541 344,605 SH   SOLE   0 0 344,605
SPDR Portfolio Intermediate Tr COM 78464a672 1,217 37,960 SH   SOLE   0 0 37,960
SPDR Portfolio Short Term Trea COM 78468r101 13,521 444,340 SH   SOLE   0 0 444,340
Vanguard Intermediate-Term Tre COM 92206C706 1,465 22,045 SH   SOLE   0 0 22,045
Vanguard Short-Term TIPS Bond COM 922020805 13,989 272,169 SH   SOLE   0 0 272,169
Vanguard Short-Term Treasury E COM 92206C102 14,434 237,282 SH   SOLE   0 0 237,282
Vanguard Tax-Exempt Bond Index COM 922907746 731 13,310 SH   SOLE   0 0 13,310
iShares 0-5 Year TIPS Bond ETF COM 46429b747 14,258 134,664 SH   SOLE   0 0 134,664
iShares AAA-A Rated Corporate COM 46429B291 7,068 126,073 SH   SOLE   0 0 126,073
iShares Floating Rate Bond ETF COM 46429B655 10,642 209,770 SH   SOLE   0 0 209,770
iShares GNMA Bond ETF COM 46429B333 8,217 165,195 SH   SOLE   0 0 165,195
iShares MBS ETF COM 464288588 8,172 76,072 SH   SOLE   0 0 76,072
iShares Short-Term National Mu COM 464288158 3,573 33,276 SH   SOLE   0 0 33,276
iShares Ultra Short Term Bond COM 46434V878 249 4,950 SH   SOLE   0 0 4,950