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 Company COM 88579Y101 464 2,410 SH   SOLE   0 0 2,410
A T & T COM 00206R102 442 14,587 SH   SOLE   0 0 14,587
Abbott Laboratories COM 002824100 455 3,800 SH   SOLE   0 0 3,800
AbbVie Inc COM 00287Y109 826 7,631 SH   SOLE   0 0 7,631
Alphabet Inc Cl A COM 02079K305 2,432 1,179 SH   SOLE   0 0 1,179
Alphabet Inc Cl C COM 02079K107 1,543 746 SH   SOLE   0 0 746
American Express COM 025816109 2,003 14,159 SH   SOLE   0 0 14,159
American Tower Corp COM 03027X100 1,524 6,375 SH   SOLE   0 0 6,375
American Water Works Inc COM 030420103 776 5,175 SH   SOLE   0 0 5,175
Anthem Inc COM 036752103 257 715 SH   SOLE   0 0 715
Apple Inc COM 037833100 6,603 54,059 SH   SOLE   0 0 54,059
Automatic Data Processing COM 053015103 1,941 10,300 SH   SOLE   0 0 10,300
Bank of America Corp COM 060505104 2,021 52,225 SH   SOLE   0 0 52,225
Becton Dickinson & Co COM 075887109 1,162 4,780 SH   SOLE   0 0 4,780
Berkley W R Corporation COM 084423102 2,183 28,974 SH   SOLE   0 0 28,974
Berkshire Hathaway Inc Cl B COM 084670702 3,098 12,128 SH   SOLE   0 0 12,128
BHP Billiton Ltd ADR COM 088606108 326 4,700 SH   SOLE   0 0 4,700
Blackstone Group Inc COM 09260D107 829 11,125 SH   SOLE   0 0 11,125
Bristol-Myers Squibb Co COM 110122108 366 5,800 SH   SOLE   0 0 5,800
Chevron Corp COM 166764100 1,447 13,810 SH   SOLE   0 0 13,810
Cigna Corp COM 125509109 538 2,227 SH   SOLE   0 0 2,227
Cisco Systems Inc COM 17275R102 2,291 44,297 SH   SOLE   0 0 44,297
Citigroup Inc COM 172967424 376 5,175 SH   SOLE   0 0 5,175
Clorox Company COM 189054109 593 3,075 SH   SOLE   0 0 3,075
Coca-Cola Company COM 191216100 219 4,150 SH   SOLE   0 0 4,150
Colgate-Palmolive Co COM 194162103 800 10,150 SH   SOLE   0 0 10,150
Comcast Corp Class A COM 20030N101 1,309 24,200 SH   SOLE   0 0 24,200
ConocoPhillips COM 20825C104 571 10,775 SH   SOLE   0 0 10,775
Consolidated Edison Inc COM 209115104 423 5,650 SH   SOLE   0 0 5,650
Costco Wholesale Corp COM 22160K105 2,875 8,156 SH   SOLE   0 0 8,156
CSX Corp COM 126408103 1,090 11,300 SH   SOLE   0 0 11,300
CVS Health Corporation COM 126650100 978 13,000 SH   SOLE   0 0 13,000
Danaher Corp COM 235851102 371 1,650 SH   SOLE   0 0 1,650
Disney (Walt) Company COM 254687106 1,193 6,467 SH   SOLE   0 0 6,467
DuPont de Nemours Inc COM 26614N102 610 7,898 SH   SOLE   0 0 7,898
eBay Inc COM 278642103 410 6,700 SH   SOLE   0 0 6,700
Ecolab Inc COM 278865100 1,235 5,770 SH   SOLE   0 0 5,770
Essential Utilities Inc COM 29670G102 1,380 30,836 SH   SOLE   0 0 30,836
GlaxoSmithKline PLC ADR ADR 37733W105 327 9,150 SH   SOLE   0 0 9,150
Globus Medical Inc COM 379577208 4,655 75,475 SH   SOLE   0 0 75,475
Hershey Company COM 427866108 332 2,100 SH   SOLE   0 0 2,100
Home Depot Inc COM 437076102 2,308 7,561 SH   SOLE   0 0 7,561
Honeywell International Inc COM 438516106 222 1,025 SH   SOLE   0 0 1,025
IdaCorp Incorporated COM 451107106 733 7,336 SH   SOLE   0 0 7,336
Intel Corp COM 458140100 946 14,780 SH   SOLE   0 0 14,780
Intl Flavors & Fragrances COM 459506101 700 5,013 SH   SOLE   0 0 5,013
Intuit Inc COM 461202103 4,104 10,715 SH   SOLE   0 0 10,715
Invesco Preferred ETF 46138E511 2,164 144,258 SH   SOLE   0 0 144,258
Invesco QQQ Trust ETF 46090E103 543 1,700 SH   SOLE   0 0 1,700
Invesco S&P 500 Eq Wt ETF 46137V357 1,934 13,650 SH   SOLE   0 0 13,650
iShares Core Growth Allocation ETF 464289867 270 5,036 SH   SOLE   0 0 5,036
iShares Core Moderate Allocati ETF 464289875 370 8,500 SH   SOLE   0 0 8,500
iShares Core MSCI EAFE ETF 46432F842 1,518 21,075 SH   SOLE   0 0 21,075
iShares Core S&P US Growth ETF 464287671 340 3,750 SH   SOLE   0 0 3,750
iShares MSCI EAFE Index ETF 464287465 247 3,250 SH   SOLE   0 0 3,250
iShares MSCI EmergMkt Min Vol ETF 464286533 474 7,500 SH   SOLE   0 0 7,500
iShares Russell 2000 Index ETF 464287655 2,774 12,555 SH   SOLE   0 0 12,555
iShares Short Term Corporate ETF 464288646 309 5,650 SH   SOLE   0 0 5,650
Johnson & Johnson COM 478160104 2,294 13,961 SH   SOLE   0 0 13,961
JP Morgan Chase & Co COM 46625H100 1,819 11,950 SH   SOLE   0 0 11,950
Kimberly-Clark Corp COM 494368103 252 1,812 SH   SOLE   0 0 1,812
L3Harris Technologies Inc COM 502431109 960 4,735 SH   SOLE   0 0 4,735
Lockheed Martin Corp COM 539830109 471 1,275 SH   SOLE   0 0 1,275
Lowes Companies Inc COM 548661107 2,332 12,260 SH   SOLE   0 0 12,260
Masco Corp COM 574599106 467 7,800 SH   SOLE   0 0 7,800
Mastercard Inc COM 57636Q104 338 950 SH   SOLE   0 0 950
McDonalds Corp COM 580135101 1,095 4,885 SH   SOLE   0 0 4,885
Merck & Co COM 58933Y105 1,929 25,018 SH   SOLE   0 0 25,018
MetLife Inc COM 59156R108 541 8,900 SH   SOLE   0 0 8,900
Microsoft Corporation COM 594918104 8,120 34,439 SH   SOLE   0 0 34,439
Mondelez Intl Inc Cl A COM 609207105 999 17,075 SH   SOLE   0 0 17,075
NextEra Energy Inc COM 65339F101 654 8,650 SH   SOLE   0 0 8,650
Oracle Corp COM 68389X105 2,564 36,545 SH   SOLE   0 0 36,545
Paychex Inc COM 704326107 2,158 22,020 SH   SOLE   0 0 22,020
PayPal Holdings Inc COM 70450Y103 4,094 16,860 SH   SOLE   0 0 16,860
Pepsico Inc COM 713448108 1,620 11,450 SH   SOLE   0 0 11,450
Pfizer Inc COM 717081103 1,059 29,228 SH   SOLE   0 0 29,228
Phillips 66 COM 718546104 579 7,100 SH   SOLE   0 0 7,100
Procter & Gamble COM 742718109 2,438 18,005 SH   SOLE   0 0 18,005
Quest Diagnostics Inc COM 74834L100 526 4,100 SH   SOLE   0 0 4,100
Raytheon Technologies Corp COM 75513E101 630 8,155 SH   SOLE   0 0 8,155
Republic Services Inc COM 760759100 233 2,350 SH   SOLE   0 0 2,350
RPM International COM 749685103 947 10,305 SH   SOLE   0 0 10,305
Schwab US Small-Cap ETF 808524607 274 2,750 SH   SOLE   0 0 2,750
Scotts Miracle Group COM 810186106 1,280 5,225 SH   SOLE   0 0 5,225
Simon Property Group COM 828806109 247 2,175 SH   SOLE   0 0 2,175
Southern Company COM 842587107 214 3,450 SH   SOLE   0 0 3,450
SPDR S&P 500 ETF 78462F103 753 1,900 SH   SOLE   0 0 1,900
Starbucks Corp COM 855244109 1,766 16,165 SH   SOLE   0 0 16,165
Sysco Corporation COM 871829107 2,251 28,585 SH   SOLE   0 0 28,585
Target Corporation COM 87612E106 1,795 9,060 SH   SOLE   0 0 9,060
TJX Companies Inc COM 872540109 959 14,500 SH   SOLE   0 0 14,500
UGI Corporation COM 902681105 478 11,650 SH   SOLE   0 0 11,650
UniFirst Corp COM 904708104 813 3,635 SH   SOLE   0 0 3,635
Union Pacific Corp COM 907818108 298 1,350 SH   SOLE   0 0 1,350
United Parcel Service Inc COM 911312106 1,892 11,130 SH   SOLE   0 0 11,130
UnitedHealth Group Inc COM 91324P102 1,149 3,087 SH   SOLE   0 0 3,087
V F Corporation COM 918204108 703 8,800 SH   SOLE   0 0 8,800
Valero Energy Corp COM 91913Y100 659 9,200 SH   SOLE   0 0 9,200
Vanguard Div Appreciation ETF 921908844 1,407 9,565 SH   SOLE   0 0 9,565
Vanguard Muni Bond ETF 922907746 383 7,000 SH   SOLE   0 0 7,000
Vanguard REIT ETF 922908553 777 8,460 SH   SOLE   0 0 8,460
Vanguard Short Term Bond Index ETF 921937827 1,952 23,750 SH   SOLE   0 0 23,750
Vanguard Total Stock Mkt ETF 922908769 230 1,115 SH   SOLE   0 0 1,115
Verizon Communications COM 92343V104 1,164 20,015 SH   SOLE   0 0 20,015
Vgd Consumer Discretionary ETF 92204A108 291 985 SH   SOLE   0 0 985
Vgd Int Term Bond Index Fund ETF 921937819 2,952 333,275 SH   SOLE   0 0 33,275
Visa Inc COM 92826C839 1,065 5,030 SH   SOLE   0 0 5,030
Walmart Inc COM 931142103 581 4,275 SH   SOLE   0 0 4,275
Waste Management Inc COM 94106L109 1,464 11,345 SH   SOLE   0 0 11,345
WEC Energy Group COM 92939U106 201 2,150 SH   SOLE   0 0 2,150
WideOpenWest Inc COM 96758W101 462 34,000 SH   SOLE   0 0 34,000
YUM! Brands Inc COM 988498101 730 6,750 SH   SOLE   0 0 6,750
Zoetis Inc COM 98978V103 1,969 12,500 SH   SOLE   0 0 12,500