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
ALPHABET INC CAP STK CL A 02079K305 6,686 3,815 SH   SOLE   0 0 3,815
AMAZON COM INC COM 023135106 844 259 SH   SOLE   0 0 259
APPLE INC COM 037833100 14,259 107,459 SH   SOLE   0 0 107,459
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 458 1,974 SH   SOLE   0 0 1,974
CVS HEALTH CORP COM 126650100 4,269 62,510 SH   SOLE   0 0 62,510
CANADIAN NATL RY CO COM 136375102 6,313 57,472 SH   SOLE   0 0 57,472
CATERPILLAR INC COM 149123101 6,736 37,009 SH   SOLE   0 0 37,009
CHEVRON CORP NEW COM 166764100 354 4,191 SH   SOLE   0 0 4,191
CLOROX CO DEL COM 189054109 202 1,000 SH   SOLE   0 0 1,000
COCA COLA CO COM 191216100 5,813 105,996 SH   SOLE   0 0 105,996
COMCAST CORP NEW CL A 20030N101 2,898 55,313 SH   SOLE   0 0 55,313
CUMMINS INC COM 231021106 6,536 28,782 SH   SOLE   0 0 28,782
DIAGEO PLC SPON ADR NEW 25243Q205 5,238 32,985 SH   SOLE   0 0 32,985
DISNEY WALT CO COM 254687106 7,885 43,518 SH   SOLE   0 0 43,518
EXXON MOBIL CORP COM 30231G102 263 6,373 SH   SOLE   0 0 6,373
FIFTH THIRD BANCORP COM 316773100 223 8,077 SH   SOLE   0 0 8,077
FULTON FINL CORP PA COM 360271100 197 15,512 SH   SOLE   0 0 15,512
GOLDMAN SACHS GROUP INC COM 38141G104 5,604 21,250 SH   SOLE   0 0 21,250
INTEL CORP COM 458140100 5,578 111,972 SH   SOLE   0 0 111,972
ISHARES TR CORE S&P500 ETF 464287200 1,245 3,318 SH   SOLE   0 0 3,318
ISHARES TR CORE US AGGBD ET 464287226 1,539 13,021 SH   SOLE   0 0 13,021
ISHARES TR MSCI ACWI ETF 464288257 3,651 40,244 SH   SOLE   0 0 40,244
ISHARES TR CALIF MUN BD ETF 464288356 206 3,272 SH   SOLE   0 0 3,272
ISHARES TR NATIONAL MUN ETF 464288414 245 2,094 SH   SOLE   0 0 2,094
JOHNSON & JOHNSON COM 478160104 5,894 37,452 SH   SOLE   0 0 37,452
LOWES COS INC COM 548661107 2,282 14,217 SH   SOLE   0 0 14,217
MASTERCARD INCORPORATED CL A 57636Q104 563 1,578 SH   SOLE   0 0 1,578
MCDONALDS CORP COM 580135101 6,782 31,607 SH   SOLE   0 0 31,607
NOVO-NORDISK A S ADR 670100205 5,946 85,129 SH   SOLE   0 0 85,129
PEPSICO INC COM 713448108 303 2,046 SH   SOLE   0 0 2,046
PFIZER INC COM 717081103 4,674 126,970 SH   SOLE   0 0 126,970
PROCTER AND GAMBLE CO COM 742718109 7,106 51,069 SH   SOLE   0 0 51,069
QUEST DIAGNOSTICS INC COM 74834L100 4,950 41,536 SH   SOLE   0 0 41,536
SPDR GOLD TR GOLD SHS 78463V107 339 1,900 SH   SOLE   0 0 1,900
SMITH A O CORP COM 831865209 4,356 79,452 SH   SOLE   0 0 79,452
TRUIST FINL CORP COM 89832Q109 205 4,274 SH   SOLE   0 0 4,274
UNILEVER PLC SPON ADR NEW 904767704 215 3,556 SH   SOLE   0 0 3,556
UNITED PARCEL SERVICE INC CL B 911312106 2,983 17,711 SH   SOLE   0 0 17,711
VERIZON COMMUNICATIONS INC COM 92343V104 4,283 72,895 SH   SOLE   0 0 72,895
WALMART INC COM 931142103 5,780 40,096 SH   SOLE   0 0 40,096
WASTE MGMT INC DEL COM 94106L109 6,680 56,644 SH   SOLE   0 0 56,644
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 8,312 31,821 SH   SOLE   0 0 31,821
CHUBB LIMITED COM H1467J104 208 1,350 SH   SOLE   0 0 1,350