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 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
3M Company COM 88579Y101   367,315 3,360 SH   SOLE   0 0 3,360
Abbott Laboratories COM 002824100   372,257 3,382 SH   SOLE   0 0 3,382
AbbVie Inc COM 00287Y109   884,259 5,706 SH   SOLE   0 0 5,706
Alphabet Inc Cl A COM 02079K305   2,929,998 20,975 SH   SOLE   0 0 20,975
Alphabet Inc Cl C COM 02079K107   1,786,288 12,675 SH   SOLE   0 0 12,675
American Express COM 025816109   2,404,509 12,835 SH   SOLE   0 0 12,835
American Tower Corp COM 03027X100   1,391,347 6,445 SH   SOLE   0 0 6,445
American Water Works Inc COM 030420103   581,416 4,405 SH   SOLE   0 0 4,405
Amgen Inc COM 031162100   205,934 715 SH   SOLE   0 0 715
Apple Inc COM 037833100   7,776,094 40,389 SH   SOLE   0 0 40,389
Automatic Data Processing COM 053015103   1,871,914 8,035 SH   SOLE   0 0 8,035
Bank of America Corp COM 060505104   1,612,625 47,895 SH   SOLE   0 0 47,895
Becton Dickinson & Co COM 075887109   1,323,997 5,430 SH   SOLE   0 0 5,430
Berkley W R Corporation COM 084423102   2,399,459 33,929 SH   SOLE   0 0 33,929
Berkshire Hathaway Inc Cl B COM 084670702   3,754,916 10,528 SH   SOLE   0 0 10,528
BHP Billiton Ltd ADR ADR 088606108   321,057 4,700 SH   SOLE   0 0 4,700
Blackstone Group Inc COM 09260D107   1,372,042 10,480 SH   SOLE   0 0 10,480
Bristol-Myers Squibb Co COM 110122108   287,336 5,600 SH   SOLE   0 0 5,600
Chevron Corp COM 166764100   1,668,802 11,188 SH   SOLE   0 0 11,188
Cigna Corp COM 125509109   943,268 3,150 SH   SOLE   0 0 3,150
Cisco Systems Inc COM 17275R102   2,004,482 39,677 SH   SOLE   0 0 39,677
Clorox Company COM 189054109   388,558 2,725 SH   SOLE   0 0 2,725
Coca-Cola Company COM 191216100   241,613 4,100 SH   SOLE   0 0 4,100
Colgate-Palmolive Co COM 194162103   599,818 7,525 SH   SOLE   0 0 7,525
Comcast Corp Class A COM 20030N101   1,056,785 24,100 SH   SOLE   0 0 24,100
ConocoPhillips COM 20825C104   998,202 8,600 SH   SOLE   0 0 8,600
Consolidated Edison Inc COM 209115104   459,399 5,050 SH   SOLE   0 0 5,050
Corning Inc COM 219350105   309,068 10,150 SH   SOLE   0 0 10,150
Costco Wholesale Corp COM 22160K105   4,484,597 6,794 SH   SOLE   0 0 6,794
CSX Corp COM 126408103   966,946 27,890 SH   SOLE   0 0 27,890
CVS Health Corporation COM 126650100   880,404 11,150 SH   SOLE   0 0 11,150
Danaher Corp COM 235851102   231,340 1,000 SH   SOLE   0 0 1,000
DuPont de Nemours Inc COM 26614N102   563,435 7,324 SH   SOLE   0 0 7,324
Ecolab Inc COM 278865100   1,025,470 5,170 SH   SOLE   0 0 5,170
Elevance Health COM 036752103   306,514 650 SH   SOLE   0 0 650
Essential Utilities Inc COM 29670G102   1,030,337 27,586 SH   SOLE   0 0 27,586
Fidelity High Dividend ETF 316092840   916,419 21,675 SH   SOLE   0 0 21,675
Globus Medical Inc COM 379577208   3,785,455 71,035 SH   SOLE   0 0 71,035
Hershey Company COM 427866108   284,321 1,525 SH   SOLE   0 0 1,525
Home Depot Inc COM 437076102   2,188,117 6,314 SH   SOLE   0 0 6,314
Honeywell International Inc COM 438516106   204,467 975 SH   SOLE   0 0 975
IdaCorp Incorporated COM 451107106   721,276 7,336 SH   SOLE   0 0 7,336
Intel Corp COM 458140100   747,419 14,874 SH   SOLE   0 0 14,874
Intuit Inc COM 461202103   5,078,369 8,125 SH   SOLE   0 0 8,125
Invesco Preferred ETF 46138E511   607,910 53,000 SH   SOLE   0 0 53,000
Invesco QQQ Trust ETF 46090E103   587,661 1,435 SH   SOLE   0 0 1,435
Invesco S&P 500 Eq Wt ETF 46137V357   2,319,556 14,699 SH   SOLE   0 0 14,699
iShares Core Growth Allocation ETF 464289867   494,199 9,291 SH   SOLE   0 0 9,291
iShares Core Moderate Allocati ETF 464289875   736,787 17,750 SH   SOLE   0 0 17,750
iShares Core MSCI EAFE ETF 46432F842   1,739,090 24,721 SH   SOLE   0 0 24,721
iShares Core S&P US Growth ETF 464287671   474,176 4,555 SH   SOLE   0 0 4,555
iShares iBonds Dec 2025 Term C ETF 46434VBD1   360,258 14,550 SH   SOLE   0 0 14,550
iShares iBonds Dec 2026 Term C ETF 46435GAA0   346,550 14,500 SH   SOLE   0 0 14,500
iShares MSCI EAFE Index ETF 464287465   210,980 2,800 SH   SOLE   0 0 2,800
iShares MSCI EmergMkt Min Vol ETF 464286533   325,202 5,850 SH   SOLE   0 0 5,850
iShares National Muni ETF 464288414   539,340 4,975 SH   SOLE   0 0 4,975
iShares Russell 2000 Index ETF 464287655   2,450,927 12,211 SH   SOLE   0 0 12,211
iShares Russell Top 200 Growth ETF 464289438   597,500 3,410 SH   SOLE   0 0 3,410
iShares Short Term Corporate ETF 464288646   298,813 5,828 SH   SOLE   0 0 5,828
iShares Short Term Nat Muni Bd ETF 086600510   959,413 9,100 SH   SOLE   0 0 9,100
Johnson & Johnson COM 478160104   1,917,087 12,231 SH   SOLE   0 0 12,231
JP Morgan Chase & Co COM 46625H100   1,798,808 10,575 SH   SOLE   0 0 10,575
Kimberly-Clark Corp COM 494368103   218,718 1,800 SH   SOLE   0 0 1,800
L3Harris Technologies Inc COM 502431109   756,126 3,590 SH   SOLE   0 0 3,590
Laboratory Corp of America COM 50540R409   353,436 1,555 SH   SOLE   0 0 1,555
Lockheed Martin Corp COM 539830109   498,564 1,100 SH   SOLE   0 0 1,100
Lowes Companies Inc COM 548661107   2,088,632 9,385 SH   SOLE   0 0 9,385
Masco Corp COM 574599106   432,021 6,450 SH   SOLE   0 0 6,450
Mastercard Inc COM 57636Q104   383,859 900 SH   SOLE   0 0 900
McDonalds Corp COM 580135101   1,418,800 4,785 SH   SOLE   0 0 4,785
Merck & Co COM 58933Y105   2,252,680 20,663 SH   SOLE   0 0 20,663
MetLife Inc COM 59156R108   396,780 6,000 SH   SOLE   0 0 6,000
Microsoft Corporation COM 594918104   9,169,359 24,384 SH   SOLE   0 0 24,384
Mondelez Intl Inc Cl A COM 609207105   1,109,048 15,312 SH   SOLE   0 0 15,312
Nestle SA ADR ADR 641069406   1,379,466 11,930 SH   SOLE   0 0 11,930
NextEra Energy Inc COM 65339F101   737,991 12,150 SH   SOLE   0 0 12,150
Oracle Corp COM 68389X105   3,525,052 33,435 SH   SOLE   0 0 33,435
Paychex Inc COM 704326107   2,167,802 18,200 SH   SOLE   0 0 18,200
Pepsico Inc COM 713448108   1,597,345 9,405 SH   SOLE   0 0 9,405
Pfizer Inc COM 717081103   293,658 10,200 SH   SOLE   0 0 10,200
Phillips 66 COM 718546104   988,565 7,425 SH   SOLE   0 0 7,425
Procter & Gamble COM 742718109   2,228,141 15,205 SH   SOLE   0 0 15,205
Quest Diagnostics Inc COM 74834L100   496,368 3,600 SH   SOLE   0 0 3,600
Raytheon Technologies Corp COM 75513E101   671,101 7,976 SH   SOLE   0 0 7,976
Republic Services Inc COM 760759100   371,048 2,250 SH   SOLE   0 0 2,250
RPM International COM 749685103   966,158 8,655 SH   SOLE   0 0 8,655
Schwab US Small-Cap COM 808524607   273,992 5,800 SH   SOLE   0 0 5,800
Simon Property Group COM 828806109   231,790 1,625 SH   SOLE   0 0 1,625
SPDR Portfolio High Yield Bond ETF 78468R606   350,700 15,000 SH   SOLE   0 0 15,000
SPDR S&P 500 ETF 78462F103   891,206 1,875 SH   SOLE   0 0 1,875
Starbucks Corp COM 855244109   1,503,517 15,660 SH   SOLE   0 0 15,660
Sysco Corporation COM 871829107   1,712,193 23,413 SH   SOLE   0 0 23,413
T Rowe Price Capital Apprec Eq ETF 87283Q867   371,624 13,450 SH   SOLE   0 0 13,450
Target Corporation COM 87612E106   1,157,875 8,130 SH   SOLE   0 0 8,130
TJX Companies Inc COM 872540109   1,233,602 13,150 SH   SOLE   0 0 13,150
Uber Technologies Inc COM 90353T100   566,444 9,200 SH   SOLE   0 0 9,200
UniFirst Corp COM 904708104   341,127 1,865 SH   SOLE   0 0 1,865
Unilever PLC ADR ADR 904767704   410,868 8,475 SH   SOLE   0 0 8,475
Union Pacific Corp COM 907818108   321,762 1,310 SH   SOLE   0 0 1,310
United Parcel Service Inc COM 911312106   1,530,949 9,737 SH   SOLE   0 0 9,737
UnitedHealth Group Inc COM 91324P102   1,224,043 2,325 SH   SOLE   0 0 2,325
Valero Energy Corp COM 91913Y100   965,250 7,425 SH   SOLE   0 0 7,425
Vanguard Div Appreciation ETF 921908844   1,303,219 7,648 SH   SOLE   0 0 7,648
Vanguard Info Technology ETF 92204A702   208,120 430 SH   SOLE   0 0 430
Vanguard REIT ETF 922908553   743,108 8,410 SH   SOLE   0 0 8,410
Vanguard Short Term Bond Index ETF 921937827   539,901 7,010 SH   SOLE   0 0 7,010
Vanguard Total Stock Mkt ETF 922908769   264,500 1,115 SH   SOLE   0 0 1,115
Verizon Communications COM 92343V104   239,395 6,350 SH   SOLE   0 0 6,350
Vgd Consumer Discretionary ETF 92204A108   299,982 985 SH   SOLE   0 0 985
Vgd Int Term Bond Index Fund ETF 921937819   295,163 3,864 SH   SOLE   0 0 3,864
Visa Inc COM 92826C839   1,081,754 4,155 SH   SOLE   0 0 4,155
Walmart Inc COM 931142103   692,084 4,390 SH   SOLE   0 0 4,390
Waste Connections Inc COM 94106B101   455,274 3,050 SH   SOLE   0 0 3,050
Waste Management Inc COM 94106L109   1,651,302 9,220 SH   SOLE   0 0 9,220
WideOpenWest Inc COM 96758W101   679,987 167,898 SH   SOLE   0 0 167,898
YUM! Brands Inc COM 988498101   861,703 6,595 SH   SOLE   0 0 6,595
Zoetis Inc COM 98978V103   1,805,936 9,150 SH   SOLE   0 0 9,150