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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 8,267 29,926 SH   SOLE   0 0 29,926
ALPHABET INC CAP STK CL A 02079K305 7,378 3,577 SH   SOLE   0 0 3,577
AMAZON COM INC COM 023135106 783 253 SH   SOLE   0 0 253
APPLE INC COM 037833100 12,185 99,751 SH   SOLE   0 0 99,751
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 504 1,974 SH   SOLE   0 0 1,974
CANADIAN NATL RY CO COM 136375102 6,442 55,548 SH   SOLE   0 0 55,548
CARMAX INC COM 143130102 266 2,005 SH   SOLE   0 0 2,005
CATERPILLAR INC COM 149123101 8,060 34,761 SH   SOLE   0 0 34,761
CHEVRON CORP NEW COM 166764100 319 3,041 SH   SOLE   0 0 3,041
CHUBB LIMITED COM H1467J104 213 1,350 SH   SOLE   0 0 1,350
COCA COLA CO COM 191216100 5,394 102,334 SH   SOLE   0 0 102,334
COMCAST CORP NEW CL A 20030N101 2,964 54,774 SH   SOLE   0 0 54,774
CUMMINS INC COM 231021106 7,179 27,705 SH   SOLE   0 0 27,705
CVS HEALTH CORP COM 126650100 4,495 59,753 SH   SOLE   0 0 59,753
DIAGEO PLC SPON ADR NEW 25243Q205 5,185 31,575 SH   SOLE   0 0 31,575
DISNEY WALT CO COM 254687106 7,599 41,184 SH   SOLE   0 0 41,184
DOW INC COM 260557103 205 3,205 SH   SOLE   0 0 3,205
EXXON MOBIL CORP COM 30231G102 353 6,327 SH   SOLE   0 0 6,327
FIFTH THIRD BANCORP COM 316773100 254 6,777 SH   SOLE   0 0 6,777
FULTON FINL CORP PA COM 360271100 264 15,512 SH   SOLE   0 0 15,512
GOLDMAN SACHS GROUP INC COM 38141G104 6,664 20,379 SH   SOLE   0 0 20,379
INTEL CORP COM 458140100 6,817 106,510 SH   SOLE   0 0 106,510
ISHARES TR CORE S&P500 ETF 464287200 1,194 3,001 SH   SOLE   0 0 3,001
ISHARES TR CORE US AGGBD ET 464287226 1,930 16,955 SH   SOLE   0 0 16,955
ISHARES TR MSCI ACWI ETF 464288257 3,564 37,459 SH   SOLE   0 0 37,459
ISHARES TR CALIF MUN BD ETF 464288356 203 3,272 SH   SOLE   0 0 3,272
ISHARES TR NATIONAL MUN ETF 464288414 243 2,094 SH   SOLE   0 0 2,094
ISHARES TR IBONDS DEC23 ETF 46434VAX8 215 8,210 SH   SOLE   0 0 8,210
ISHARES TR IBONDS DEC24 ETF 46434VBG4 218 8,268 SH   SOLE   0 0 8,268
JOHNSON & JOHNSON COM 478160104 5,819 35,405 SH   SOLE   0 0 35,405
LOWES COS INC COM 548661107 2,785 14,642 SH   SOLE   0 0 14,642
MASTERCARD INCORPORATED CL A 57636Q104 562 1,578 SH   SOLE   0 0 1,578
MCDONALDS CORP COM 580135101 6,767 30,192 SH   SOLE   0 0 30,192
NOVO-NORDISK A S ADR 670100205 5,495 81,501 SH   SOLE   0 0 81,501
PENN NATL GAMING INC COM 707569109 231 2,200 SH   SOLE   0 0 2,200
PEPSICO INC COM 713448108 289 2,046 SH   SOLE   0 0 2,046
PFIZER INC COM 717081103 4,485 123,785 SH   SOLE   0 0 123,785
PROCTER AND GAMBLE CO COM 742718109 6,734 49,722 SH   SOLE   0 0 49,722
QUEST DIAGNOSTICS INC COM 74834L100 5,064 39,455 SH   SOLE   0 0 39,455
SMITH A O CORP COM 831865209 5,160 76,327 SH   SOLE   0 0 76,327
SPDR GOLD TR GOLD SHS 78463V107 304 1,900 SH   SOLE   0 0 1,900
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 213 1,805 SH   SOLE   0 0 1,805
TRUIST FINL CORP COM 89832Q109 249 4,274 SH   SOLE   0 0 4,274
UNITED PARCEL SERVICE INC CL B 911312106 2,949 17,351 SH   SOLE   0 0 17,351
VERIZON COMMUNICATIONS INC COM 92343V104 4,192 72,085 SH   SOLE   0 0 72,085
WALMART INC COM 931142103 5,252 38,668 SH   SOLE   0 0 38,668
WASTE MGMT INC DEL COM 94106L109 6,929 53,702 SH   SOLE   0 0 53,702