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
AFLAC INC COM 001055102 5,279 118,708 SH   SOLE   34,192 0 84,516
ABBOTT LABS COM 002824100 4,983 45,511 SH   SOLE   12,913 0 32,598
AIR PRODS & CHEMS INC COM 009158106 4,920 18,008 SH   SOLE   5,049 0 12,959
AMAZON COM INC COM 023135106 563 173 SH   SOLE   69 0 104
AMERICAN TOWER CORP NEW COM 03027X100 4,471 19,920 SH   SOLE   5,744 0 14,176
AMERICAN WTR WKS CO INC NEW COM 030420103 5,369 34,981 SH   SOLE   9,939 0 25,042
AMERISOURCEBERGEN CORP COM 03073E105 5,123 52,401 SH   SOLE   15,001 0 37,400
AMGEN INC COM 031162100 4,933 21,454 SH   SOLE   5,771 0 15,683
ANALOG DEVICES INC COM 032654105 5,420 36,686 SH   SOLE   10,699 0 25,987
APPLE INC COM 037833100 11,916 89,807 SH   SOLE   23,457 0 66,350
ATMOS ENERGY CORP COM 049560105 3,827 40,101 SH   SOLE   11,406 0 28,695
AUTOMATIC DATA PROCESSING IN COM 053015103 5,638 31,996 SH   SOLE   8,771 0 23,225
BECTON DICKINSON & CO COM 075887109 4,406 17,609 SH   SOLE   4,984 0 12,625
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 256 1,102 SH   SOLE   79 0 1,023
BLACKROCK INC COM 09247X101 6,205 8,600 SH   SOLE   2,452 0 6,148
BROADRIDGE FINL SOLUTIONS IN COM 11133T103 5,359 34,980 SH   SOLE   9,615 0 25,365
BROWN & BROWN INC COM 115236101 5,181 109,272 SH   SOLE   30,905 0 78,367
BROWN FORMAN CORP CL B 115637209 5,087 64,038 SH   SOLE   18,131 0 45,907
CMS ENERGY CORP COM 125896100 4,061 66,566 SH   SOLE   19,276 0 47,290
CHURCH & DWIGHT INC COM 171340102 4,012 45,995 SH   SOLE   14,163 0 31,832
CISCO SYS INC COM 17275R102 5,558 124,209 SH   SOLE   33,930 0 90,279
CLOROX CO DEL COM 189054109 4,478 22,179 SH   SOLE   6,508 0 15,671
COLGATE PALMOLIVE CO COM 194162103 4,262 49,841 SH   SOLE   14,627 0 35,214
COMCAST CORP NEW CL A 20030N101 5,838 111,410 SH   SOLE   33,133 0 78,277
COMMERCE BANCSHARES INC COM 200525103 4,425 67,345 SH   SOLE   18,493 0 48,852
COSTCO WHSL CORP NEW COM 22160K105 5,548 14,725 SH   SOLE   4,224 0 10,501
CROWN CASTLE INTL CORP NEW COM 22822V101 4,211 26,451 SH   SOLE   7,444 0 19,007
ECOLAB INC COM 278865100 4,561 21,081 SH   SOLE   5,860 0 15,221
EMERSON ELEC CO COM 291011104 5,608 69,772 SH   SOLE   19,654 0 50,118
ENERPLUS CORP COM 292766102 36 11,500 SH   SOLE   0 0 11,500
EVERSOURCE ENERGY COM 30040W108 4,046 46,769 SH   SOLE   13,430 0 33,339
EXXON MOBIL CORP COM 30231G102 205 4,967 SH   SOLE   0 0 4,967
FACTSET RESH SYS INC COM 303075105 4,792 14,412 SH   SOLE   4,134 0 10,278
FEDERAL RLTY INVT TR SH BEN INT NEW 313747206 4,076 47,888 SH   SOLE   14,374 0 33,514
FIRST TR LRGE CP CORE ALPHA COM SHS 33734K109 271 3,694 SH   SOLE   0 0 3,694
GENERAL DYNAMICS CORP COM 369550108 4,824 32,416 SH   SOLE   9,606 0 22,810
GRAINGER W W INC COM 384802104 5,745 14,069 SH   SOLE   4,005 0 10,064
HENRY JACK & ASSOC INC COM 426281101 4,307 26,591 SH   SOLE   7,380 0 19,211
HOME DEPOT INC COM 437076102 4,584 17,257 SH   SOLE   5,529 0 11,728
HONEYWELL INTL INC COM 438516106 5,889 27,687 SH   SOLE   8,059 0 19,628
ILLINOIS TOOL WKS INC COM 452308109 5,074 24,886 SH   SOLE   7,013 0 17,873
INTERCONTINENTAL EXCHANGE IN COM 45866F104 4,377 37,962 SH   SOLE   10,566 0 27,396
INTERNATIONAL BUSINESS MACHS COM 459200101 4,255 33,802 SH   SOLE   10,093 0 23,709
INVESCO EXCH TRADED FD TR II CALIF AMT MUN 46138E206 210 7,491 SH   SOLE   0 0 7,491
ISHARES TR S&P 500 GRWT ETF 464287309 594 9,312 SH   SOLE   1,117 0 8,195
ISHARES TR 1 3 YR TREAS BD 464287457 1,700 19,678 SH   SOLE   6,418 0 13,260
ISHARES TR S&P MC 400VL ETF 464287705 505 5,847 SH   SOLE   866 0 4,981
ISHARES TR CALIF MUN BD ETF 464288356 306 4,864 SH   SOLE   0 0 4,864
ISHARES TR ISHS 1-5YR INVS 464288646 2,113 38,295 SH   SOLE   9,599 0 28,696
ISHARES TR SHORT TREAS BD 464288679 272 2,457 SH   SOLE   2,457 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 482 7,097 SH   SOLE   1,118 0 5,979
ISHARES TR MSCI USA QLT FCT 46432F339 2,203 18,957 SH   SOLE   2,987 0 15,970
ISHARES TR MSCI USA VALUE 46432F388 1,714 19,726 SH   SOLE   3,281 0 16,445
ISHARES TR CORE 1 5 YR USD 46432F859 263 5,084 SH   SOLE   0 0 5,084
ISHARES TR CORE DIV GRWTH 46434V621 1,101 24,572 SH   SOLE   3,489 0 21,083
ISHARES TR IBONDS DEC23 ETF 46434VAX8 471 17,934 SH   SOLE   0 0 17,934
ISHARES TR IBONDS DEC22 ETF 46434VBA7 243 9,522 SH   SOLE   0 0 9,522
ISHARES TR IBONDS DEC24 ETF 46434VBG4 398 14,962 SH   SOLE   0 0 14,962
ISHARES TR FOCUSD VAL FAC 46435U333 427 10,022 SH   SOLE   1,286 0 8,736
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 2,172 43,026 SH   SOLE   14,204 0 28,822
JOHNSON & JOHNSON COM 478160104 4,726 30,032 SH   SOLE   8,787 0 21,245
L3HARRIS TECHNOLOGIES INC COM 502431109 5,381 28,466 SH   SOLE   7,892 0 20,574
LOCKHEED MARTIN CORP COM 539830109 3,945 11,112 SH   SOLE   3,331 0 7,781
LOWES COS INC COM 548661107 8,742 54,462 SH   SOLE   14,638 0 39,824
MCDONALDS CORP COM 580135101 4,533 21,126 SH   SOLE   5,922 0 15,204
MERCK & CO. INC COM 58933Y105 220 2,684 SH   SOLE   185 0 2,499
MICROSOFT CORP COM 594918104 9,236 41,526 SH   SOLE   11,554 0 29,972
MONDELEZ INTL INC CL A 609207105 4,621 79,027 SH   SOLE   22,665 0 56,362
NEW JERSEY RES CORP COM 646025106 4,638 130,464 SH   SOLE   37,179 0 93,285
NEXTERA ENERGY INC COM 65339F101 5,332 69,112 SH   SOLE   19,641 0 49,471
NIKE INC CL B 654106103 6,322 44,689 SH   SOLE   12,528 0 32,161
PPG INDS INC COM 693506107 5,836 40,464 SH   SOLE   11,699 0 28,765
PAYCHEX INC COM 704326107 4,760 51,085 SH   SOLE   14,488 0 36,597
PEPSICO INC COM 713448108 4,498 30,329 SH   SOLE   8,737 0 21,592
PHILLIPS 66 COM 718546104 6,675 95,441 SH   SOLE   25,841 0 69,600
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 332 3,249 SH   SOLE   3,249 0 0
PRICE T ROWE GROUP INC COM 74144T108 5,868 38,761 SH   SOLE   10,535 0 28,226
PROCTER AND GAMBLE CO COM 742718109 4,801 34,502 SH   SOLE   9,327 0 25,175
RAYTHEON TECHNOLOGIES CORP COM 75513E101 5,580 78,027 SH   SOLE   21,905 0 56,122
REALTY INCOME CORP COM 756109104 3,983 64,071 SH   SOLE   18,603 0 45,468
S&P GLOBAL INC COM 78409V104 4,893 14,884 SH   SOLE   4,223 0 10,661
SHERWIN WILLIAMS CO COM 824348106 4,571 6,220 SH   SOLE   1,901 0 4,319
SMUCKER J M CO COM NEW 832696405 4,032 34,880 SH   SOLE   10,134 0 24,746
STARBUCKS CORP COM 855244109 7,264 67,898 SH   SOLE   19,409 0 48,489
STRYKER CORPORATION COM 863667101 5,130 20,935 SH   SOLE   5,826 0 15,109
TABULA RASA HEALTHCARE INC COM 873379101 332 7,743 SH   SOLE   0 0 7,743
TARGET CORP COM 87612E106 211 1,196 SH   SOLE   10 0 1,186
TEXAS INSTRS INC COM 882508104 6,439 39,233 SH   SOLE   11,285 0 27,948
3M CO COM 88579Y101 4,617 26,412 SH   SOLE   7,827 0 18,585
UNION PAC CORP COM 907818108 4,563 21,914 SH   SOLE   6,111 0 15,803
UNITED PARCEL SERVICE INC CL B 911312106 6,395 37,976 SH   SOLE   10,479 0 27,497
UNITEDHEALTH GROUP INC COM 91324P102 5,713 16,292 SH   SOLE   4,551 0 11,741
V F CORP COM 918204108 5,935 69,493 SH   SOLE   19,507 0 49,986
VAIL RESORTS INC COM 91879Q109 659 2,361 SH   SOLE   0 0 2,361
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,776 21,418 SH   SOLE   3,789 0 17,629
VERIZON COMMUNICATIONS INC COM 92343V104 4,493 76,481 SH   SOLE   21,784 0 54,697
WEC ENERGY GROUP INC COM 92939U106 3,976 43,199 SH   SOLE   12,309 0 30,890
WALMART INC COM 931142103 5,615 38,953 SH   SOLE   10,582 0 28,371
XCEL ENERGY INC COM 98389B100 3,821 57,311 SH   SOLE   16,296 0 41,015
XYLEM INC COM 98419M100 5,202 51,105 SH   SOLE   14,978 0 36,127
AON PLC SHS CL A G0403H108 288 1,363 SH   SOLE   1,363 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 5,468 20,932 SH   SOLE   5,773 0 15,159
LINDE PLC SHS G5494J103 5,446 20,669 SH   SOLE   5,863 0 14,806
MEDTRONIC PLC SHS G5960L103 5,686 48,536 SH   SOLE   13,533 0 35,003
CHUBB LIMITED COM H1467J104 5,563 36,142 SH   SOLE   10,635 0 25,507