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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
iShares Core S&P 500 ETF ETF 464287200 27,160 92,147 SH   SOLE   86,068 0 6,079
Vanguard FTSE Developed Markets ETF ETF 921943858 6,414 153,785 SH   SOLE   142,006 0 11,779
Schwab US Large-Cap ETF ETF 808524201 4,829 68,793 SH   SOLE   68,793 0 0
Microsoft Corp COM 594918104 4,479 33,432 SH   SOLE   32,832 0 600
Abbott Laboratories COM 002824100 3,585 42,630 SH   SOLE   41,805 0 825
Norfolk Southern Corp COM 655844108 3,571 17,917 SH   SOLE   17,542 0 375
Walt Disney Co COM 254687106 3,325 23,810 SH   SOLE   23,486 0 324
Cisco Systems Inc COM 17275R102 3,161 57,758 SH   SOLE   56,708 0 1,050
Accenture PLC A COM G1151C101 3,136 16,970 SH   SOLE   16,595 0 375
Automatic Data Processing Inc COM 053015103 3,112 18,822 SH   SOLE   18,447 0 375
Home Depot Inc COM 437076102 3,012 14,483 SH   SOLE   14,183 0 300
Johnson & Johnson COM 478160104 2,981 21,404 SH   SOLE   21,029 0 375
Coca-Cola Co COM 191216100 2,925 57,450 SH   SOLE   56,550 0 900
Nike Inc B COM 654106103 2,906 34,618 SH   SOLE   33,943 0 675
Intel Corp COM 458140100 2,887 60,312 SH   SOLE   59,262 0 1,050
Travelers Companies Inc COM 89417e109 2,866 19,166 SH   SOLE   18,791 0 375
Novartis AG COM 66987V109 2,853 31,245 SH   SOLE   30,594 0 651
BlackRock Inc COM 09247X101 2,805 5,977 SH   SOLE   5,857 0 120
Chevron Corp COM 166764100 2,801 22,512 SH   SOLE   22,062 0 450
T. Rowe Price Group Inc COM 74144T108 2,771 25,260 SH   SOLE   24,735 0 525
VF Corp COM 918204108 2,702 30,933 SH   SOLE   30,408 0 525
Dominion Energy Inc COM 25746U109 2,689 34,780 SH   SOLE   34,105 0 675
PepsiCo Inc COM 713448108 2,639 20,122 SH   SOLE   19,672 0 450
Hershey Co COM 427866108 2,541 18,961 SH   SOLE   18,586 0 375
Dunkin Brands Group Inc COM 265504100 2,534 31,815 SH   SOLE   31,290 0 525
JPMorgan Chase & Co COM 46625H100 2,514 22,484 SH   SOLE   21,884 0 600
International Flavors & Fragrances Inc COM 459506101 2,499 17,223 SH   SOLE   16,923 0 300
Pfizer Inc COM 717081103 2,492 57,524 SH   SOLE   56,474 0 1,050
AbbVie Inc COM 00287Y109 2,455 33,762 SH   SOLE   32,889 0 873
US Bancorp COM 902973304 2,452 46,789 SH   SOLE   45,964 0 825
Colgate-Palmolive Co COM 194162103 2,420 33,769 SH   SOLE   33,019 0 750
Comcast Corp Class A COM 20030N101 2,411 57,026 SH   SOLE   55,901 0 1,125
3M Co COM 88579Y101 2,410 13,905 SH   SOLE   13,605 0 300
United Technologies Corp COM 913017109 2,409 18,501 SH   SOLE   18,126 0 375
Equifax Inc COM 294429105 2,379 17,588 SH   SOLE   17,138 0 450
Marathon Petroleum Corp COM 56585A102 2,369 42,388 SH   SOLE   41,488 0 900
Raytheon Co COM 755111507 2,362 13,584 SH   SOLE   13,284 0 300
Oracle Corp COM 68389X105 2,322 40,754 SH   SOLE   39,854 0 900
Fox Corp Class A COM 35137L105 2,295 62,623 SH   SOLE   61,306 0 1,317
Enbridge Inc Com COM 29250N105 2,276 63,094 SH   SOLE   62,044 0 1,050
Vanguard FTSE Emerging Markets ETF ETF 922042858 2,134 50,182 SH   SOLE   46,448 0 3,734
iShares Core S&P Mid-Cap ETF ETF 464287507 2,122 10,925 SH   SOLE   10,195 0 730
Exxon Mobil Corp COM 30231G102 2,078 27,111 SH   SOLE   26,511 0 600
Bank of New York Mellon Corp COM 064058100 2,071 46,918 SH   SOLE   45,787 0 1,131
iShares Core S&P Small-Cap ETF ETF 464287804 1,939 24,767 SH   SOLE   22,948 0 1,819
Vanguard FTSE All-World ex-US Small-Cap ETF ETF 922042718 1,225 11,634 SH   SOLE   10,836 0 798
Schwab International Equity ETF ETF 808524805 1,067 33,256 SH   SOLE   33,256 0 0
Unilever Plc - Sponsored Adr COM 904767704 423 6,822 SH   SOLE   6,822 0 0
Schwab Emerging Markets Equity ETF ETF 808524706 358 13,658 SH   SOLE   13,658 0 0
Schwab US Mid-Cap ETF ETF 808524508 357 6,246 SH   SOLE   6,246 0 0
Schwab US Small-Cap ETF ETF 808524607 347 4,860 SH   SOLE   4,860 0 0
Berkshire Hathaway Inc B COM 084670702 314 1,475 SH   SOLE   1,475 0 0
Schwab US Broad Market ETF ETF 808524102 252 3,577 SH   SOLE   3,577 0 0