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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Airbnb, Inc. US EQUITIES 00925dad5   10 120 SH   SOLE   120 0 0
Autoliv Inc. US EQUITIES 052800109   10 136 SH   SOLE   136 0 0
iShares S&P Mid Cap 400 Growth US EQUITIES 464287606   10 154 SH   SOLE   154 0 0
Hartford Financial Services Gr US EQUITIES 416515104   11 150 SH   SOLE   150 0 0
Kroger Co US EQUITIES 501044101   12 275 SH   SOLE   275 0 0
Automatic Data Processing Inc. US EQUITIES 053015103   13 55 SH   SOLE   55 0 0
Allegiant Travel Company US EQUITIES 01748x102   13 200 SH   SOLE   200 0 0
Seagate Technology Plc US EQUITIES g7945m107   14 264 SH   SOLE   264 0 0
Weyerhaeuser Co US EQUITIES 962166104   14 451 SH   SOLE   451 0 0
Illumina Inc US EQUITIES 452327109   14 70 SH   SOLE   70 0 0
American Water Works Co Inc US EQUITIES 030411102   14 93 SH   SOLE   93 0 0
Vanguard Index Value ETF US EQUITIES 922908744   14 101 SH   SOLE   101 0 0
Sanofi (EUROS) INTERNATIONAL EQUITY f5548n101   14 150 SH   SOLE   150 0 0
U.S. Bancorp US EQUITIES 902973304   15 333 SH   SOLE   333 0 0
Parker-Hannifin Corp US EQUITIES 701094104   14 50 SH   SOLE   50 0 0
Medifast Inc. US EQUITIES 58470h101   15 129 SH   SOLE   129 0 0
Camping World Holdings US EQUITIES 13462k109   16 700 SH   SOLE   700 0 0
Honeywell International Inc. US EQUITIES 438516106   17 73 SH   SOLE   73 0 0
WEC Energy Group, Inc US EQUITIES 92939u106   17 167 SH   SOLE   167 0 0
Zoetis Inc. US EQUITIES 98978v103   16 108 SH   SOLE   108 0 0
iShares S&P Mid Cap 400 Value US EQUITY FUNDS 464287705   16 158 SH   SOLE   158 0 0
Enbridge Inc. US EQUITIES 29250n105   16 419 SH   SOLE   419 0 0
Lincoln National Corp US EQUITIES 534187109   16 536 SH   SOLE   536 0 0
Wynn Resorts Ltd. US EQUITIES 983134107   16 200 SH   SOLE   200 0 0
Carlisle Cos Inc US EQUITIES 142339100   16 70 SH   SOLE   70 0 0
PJT Partners Inc. US EQUITIES 69343t107   17 231 SH   SOLE   231 0 0
Olin Corp US EQUITIES 680665205   18 333 SH   SOLE   333 0 0
V.F. Corp US EQUITIES 918204108   18 651 SH   SOLE   651 0 0
NetApp Inc US EQUITIES 64110d104   18 302 SH   SOLE   302 0 0
Las Vegas Sands Corp. US EQUITIES 517834107   18 380 SH   SOLE   380 0 0
Zimmer Biomet Holdings US EQUITIES 98956p102   19 149 SH   SOLE   149 0 0
ViacomCBS Inc. Class B US EQUITIES 92556h206   19 1,128 SH   SOLE   1,128 0 0
Mgic Investment Corp Wis US EQUITIES 552848103   19 1,499 SH   SOLE   1,499 0 0
Huntington Ingalls Industries US EQUITIES 446413106   20 86 SH   SOLE   86 0 0
Pitney-Bowes Inc US EQUITIES 724479100   20 5,246 SH   SOLE   5,246 0 0
Tanger Factory Outlet Centers US EQUITIES 875465106   20 1,139 SH   SOLE   1,139 0 0
EOG Resources Inc US EQUITIES 26875p101   21 159 SH   SOLE   159 0 0
Vanguard Index Fd Small-Cap ET US EQUITIES 922908751   21 115 SH   SOLE   115 0 0
United Parcel Service Inc Cl B US EQUITIES 911312106   22 125 SH   SOLE   125 0 0
Northrop Grumman Co US EQUITIES 666807102   22 40 SH   SOLE   40 0 0
HP Inc US EQUITIES 40434l105   22 827 SH   SOLE   827 0 0
Snap-On Inc US EQUITIES 833034101   23 100 SH   SOLE   100 0 0
Vanguard Index Growth ETF US EQUITIES 922908736   23 108 SH   SOLE   108 0 0
Petco Health & Wellness Compan US EQUITIES 71601v105   23 2,440 SH   SOLE   2,440 0 0
J.M. Smucker Co. US EQUITIES 832696405   24 150 SH   SOLE   150 0 0
Boeing Co US EQUITIES 097023105   24 125 SH   SOLE   125 0 0
HSBC Holdings PLC ADS INTERNATIONAL EQUITY 404280406   24 765 SH   SOLE   765 0 0
W. W. Grainger Inc US EQUITIES 384802104   24 43 SH   SOLE   43 0 0
Ishares Trust Dividend Growth US EQUITIES 46434v621   24 480 SH   SOLE   480 0 0
Union Pacific Corp US EQUITIES 907818108   24 117 SH   SOLE   117 0 0
Cummins Inc US EQUITIES 231021106   24 100 SH   SOLE   100 0 0
Essential Utils Inc. US EQUITIES 29670g102   25 517 SH   SOLE   517 0 0
Siemens AG NPV (EUROS) INTERNATIONAL EQUITY d69671218   25 180 SH   SOLE   180 0 0
Sysco Corp US EQUITIES 871829107   25 333 SH   SOLE   333 0 0
Simon Property Group Inc. US EQUITIES 828806109   26 218 SH   SOLE   218 0 0
SAP SE (EUROS) INTERNATIONAL EQUITY d66992104   26 250 SH   SOLE   250 0 0
NiSource Inc US EQUITIES 65473p105   27 967 SH   SOLE   967 0 0
Citigroup Inc US EQUITIES 172967424   27 601 SH   SOLE   601 0 0
Eaton Corporation PLC US EQUITIES g29183103   27 174 SH   SOLE   174 0 0
General Mills Inc US EQUITIES 370334104   29 350 SH   SOLE   350 0 0
Ventas Inc. US EQUITIES 92276f100   30 655 SH   SOLE   655 0 0
Consolidated Water Co. Ltd. US EQUITIES g23773107   30 2,000 SH   SOLE   2,000 0 0
Emerson Electric Co US EQUITIES 291011104   30 315 SH   SOLE   315 0 0
Oracle Corporation US EQUITIES 68389x105   30 372 SH   SOLE   372 0 0
Altria Group Inc US EQUITIES 02209s103   30 667 SH   SOLE   667 0 0
Chevron Corporation US EQUITIES 166764100   31 174 SH   SOLE   174 0 0
Clorox Co US EQUITIES 189054109   32 225 SH   SOLE   225 0 0
Consolidated Edison Inc US EQUITIES 209115104   32 333 SH   SOLE   333 0 0
Spire Inc. US EQUITIES 84857l101   32 467 SH   SOLE   467 0 0
RPM International Inc. US EQUITIES 749685103   32 333 SH   SOLE   333 0 0
Dominion Resources Inc VA New US EQUITIES 25746u109   33 533 SH   SOLE   533 0 0
Heidelbergcement AG (EUROS) INTERNATIONAL EQUITY d31709104   34 600 SH   SOLE   600 0 0
Xylem Inc US EQUITIES 98419m100   34 310 SH   SOLE   310 0 0
CNFinance Holdings Limited ADS US EQUITIES 18979t105   34 20,086 SH   SOLE   20,086 0 0
Devon Energy Corp. US EQUITIES 25179m103   37 600 SH   SOLE   600 0 0
Wells Fargo & Co US EQUITIES 949746101   37 900 SH   SOLE   900 0 0
Prologis Inc US EQUITIES 74340w103   37 330 SH   SOLE   330 0 0
Camden Property Trust US EQUITIES 133131102   38 336 SH   SOLE   336 0 0
AT&T Inc. US EQUITIES 00206r102   39 2,095 SH   SOLE   2,095 0 0
Black Hills Corp US EQUITIES 092113109   39 567 SH   SOLE   567 0 0
Veolia Environnement SA (EUROS INTERNATIONAL EQUITY f9686m107   40 1,600 SH   SOLE   1,600 0 0
Quanta Services Inc US EQUITIES 74762e102   41 288 SH   SOLE   288 0 0
Comcast Corp New Class A US EQUITIES 20030n101   42 1,205 SH   SOLE   1,205 0 0
Technology Select Sector SPDR US EQUITIES 81369y803   44 350 SH   SOLE   350 0 0
Unilever PLC ADS US EQUITIES 904767704   44 877 SH   SOLE   877 0 0
SPDR S&P Dividend ETF US EQUITIES 78464a763   45 362 SH   SOLE   362 0 0
Fortune Brands Home & Sec Inc US EQUITIES 34964c106   46 800 SH   SOLE   800 0 0
Invesco Exchange Traded FD TR US EQUITIES 46137v563   46 2,220 SH   SOLE   2,220 0 0
iShares S&P500 Growth Indx Fd US EQUITIES 464287309   47 799 SH   SOLE   799 0 0
Raytheon Technologies Corp. US EQUITIES 75513e101   47 466 SH   SOLE   466 0 0
Ptc Inc. US EQUITIES 69370c100   47 395 SH   SOLE   395 0 0
First Tr NASDAQ Tech Div Indx US EQUITIES 33738r118   48 1,000 SH   SOLE   1,000 0 0
Corning Inc US EQUITIES 219350105   48 1,500 SH   SOLE   1,500 0 0
Schwab Cap Trs&p 500 Select US EQUITIES 808509855   48 825 SH   SOLE   825 0 0
Infineon Technologies AG (EURO INTERNATIONAL EQUITY d35415104   49 1,600 SH   SOLE   1,600 0 0
Stryker Corp US EQUITIES 863667101   49 200 SH   SOLE   200 0 0
Life Storage, Inc. US EQUITIES 53223x107   49 499 SH   SOLE   499 0 0
iShares S&P 100 ETF US EQUITIES 464287101   51 300 SH   SOLE   300 0 0
iShares S & P Value ETF US EQUITIES 464287408   53 363 SH   SOLE   363 0 0
Danaher Corp US EQUITIES 235851102   53 200 SH   SOLE   200 0 0
Equity Residential Properties US EQUITIES 29476l107   54 914 SH   SOLE   914 0 0
Alliant Energy Corp US EQUITIES 018802108   55 989 SH   SOLE   989 0 0
Genuine Parts Co. US EQUITIES 372460105   57 333 SH   SOLE   333 0 0
Xcel Energy Inc. US EQUITIES 98389b100   58 834 SH   SOLE   834 0 0
National Fuel Gas Co US EQUITIES 636180101   61 967 SH   SOLE   967 0 0
Vanguard Information Technolog US EQUITY FUNDS 92204a702   64 200 SH   SOLE   200 0 0
Atmos Energy Corp US EQUITIES 049560105   65 583 SH   SOLE   583 0 0
PNC Financial Svcs Group Inc US EQUITIES 693475105   67 425 SH   SOLE   425 0 0
SPDR S&P500 ETF US EQUITIES 78462f103   67 176 SH   SOLE   176 0 0
Visa Inc. Class A US EQUITIES 92826c839   71 344 SH   SOLE   344 0 0
Nvidia Corp. US EQUITIES 67066g104   72 491 SH   SOLE   491 0 0
American Electric Power Co US EQUITIES 025537101   72 756 SH   SOLE   756 0 0
iShares DJ Select Dividend ETF US EQUITIES 464287168   75 623 SH   SOLE   623 0 0
Royal Dutch Shell PLC ADS CL A US EQUITIES 780259206   79 1,384 SH   SOLE   1,384 0 0
Invesco QQQ TR Unit Ser 1 US EQUITIES 46090e103   80 300 SH   SOLE   300 0 0
Public Storage US EQUITIES 74460d109   80 287 SH   SOLE   287 0 0
Accenture Plc F Class A US EQUITIES g1151c101   81 303 SH   SOLE   303 0 0
Southern Co US EQUITIES 842587107   83 1,167 SH   SOLE   1,167 0 0
Kimberly-Clark Corp US EQUITIES 494368103   87 640 SH   SOLE   640 0 0
Edwards Lifesciences Corp US EQUITIES 28176E108   90 1,200 SH   SOLE   1,200 0 0
Coca Cola Co US EQUITIES 191216100   93 1,463 SH   SOLE   1,463 0 0
Bristol-Myers Squibb Co US EQUITIES 110122108   94 1,311 SH   SOLE   1,311 0 0
Allianz ADS Ord Shares US EQUITIES 018820100   94 4,400 SH   SOLE   4,400 0 0
Tootsie Roll Industries Inc US EQUITIES 890516107   97 2,287 SH   SOLE   2,287 0 0
Deutsche Telekom AG (EUROS) INTERNATIONAL EQUITY d2035m136   97 4,900 SH   SOLE   4,900 0 0
Mondelez Intl Inc US EQUITIES 609207105   99 1,491 SH   SOLE   1,491 0 0
Vanguard Star Fd Total Intl. S US EQUITIES 921909768   100 1,930 SH   SOLE   1,930 0 0
Waste Management Inc US EQUITIES 94106l109   101 645 SH   SOLE   645 0 0
Duke Energy Corporation US EQUITIES 26441c204   104 1,008 SH   SOLE   1,008 0 0
American Express Company US EQUITIES 025816109   105 711 SH   SOLE   711 0 0
Abbott Laboratories US EQUITIES 002824100   114 1,042 SH   SOLE   1,042 0 0
Verizon Communications Inc US EQUITIES 92343v104   126 3,202 SH   SOLE   3,202 0 0
Bank of Montreal INTERNATIONAL EQUITY 063671101   127 1,400 SH   SOLE   1,400 0 0
Philip Morris Intl. Inc. US EQUITIES 718172109   135 1,333 SH   SOLE   1,333 0 0
Bank of NY Mellon Corp US EQUITIES 064058100   138 3,021 SH   SOLE   3,021 0 0
ASML Holding NV INTERNATIONAL EQUITY n07059210   164 300 SH   SOLE   300 0 0
International Flavors & Fragra US EQUITIES 459506101   181 1,725 SH   SOLE   1,725 0 0
Intra-Cellular Therapies, Inc US EQUITIES 46116x101   188 3,550 SH   SOLE   3,550 0 0
Lockheed Martin Corp US EQUITIES 539830109   189 389 SH   SOLE   389 0 0
Deutsche Telekom AG ADR US EQUITIES 251566105   192 9,650 SH   SOLE   9,650 0 0
International Business Machine US EQUITIES 459200101   206 1,461 SH   SOLE   1,461 0 0
Goldman Sachs Group Inc US EQUITIES 38141g104   213 621 SH   SOLE   621 0 0
Walt Disney Co US EQUITIES 254687106   225 2,585 SH   SOLE   2,585 0 0
Procter & Gamble Co US EQUITIES 742718109   235 1,551 SH   SOLE   1,551 0 0
FMC Corp. US EQUITIES 302491303   237 1,900 SH   SOLE   1,900 0 0
New Jersey Resources Corp US EQUITIES 646025106   261 5,250 SH   SOLE   5,250 0 0
PPG Industries Inc US EQUITIES 693506107   277 2,200 SH   SOLE   2,200 0 0
AbbVie Inc US EQUITIES 00287y109   277 1,717 SH   SOLE   1,717 0 0
Illinois Tool Works Inc US EQUITIES 452308109   281 1,274 SH   SOLE   1,274 0 0
Cisco Systems Inc US EQUITIES 17275r102   284 5,963 SH   SOLE   5,963 0 0
Nestle SA Spons ADR US EQUITIES 641069406   303 2,625 SH   SOLE   2,625 0 0
Rowe T Price Intl Funds Inc g US EQUITY FUNDS 77956h856   324 7,082 SH   SOLE   7,082 0 0
Vanguard ETF Index Funds Mid C US EQUITIES 922908538   376 2,095 SH   SOLE   2,095 0 0
Colgate Palmolive Co US EQUITIES 194162103   470 5,967 SH   SOLE   5,967 0 0
Vanguard Dividend Appreciation US EQUITY FUNDS 921908844   567 3,735 SH   SOLE   3,735 0 0
ASML Holding N.V. US EQUITIES n07059210   601 1,100 SH   SOLE   1,100 0 0
Bank of America Corp US EQUITIES 060505104   639 19,308 SH   SOLE   19,308 0 0
Roche Holding Ltd. Spons ADR US EQUITIES 771195104   683 17,410 SH   SOLE   17,410 0 0
SS&C Technologies Hldgs Inc. US EQUITIES 78467j100   696 13,372 SH   SOLE   13,372 0 0
Zebra Technologies Corp Cl A US EQUITIES 989207105   724 2,825 SH   SOLE   2,825 0 0
Ford Motor Co US EQUITIES 345370860   789 67,867 SH   SOLE   67,867 0 0
Meta Platforms Class A Common US EQUITIES 30303m102   804 6,677 SH   SOLE   6,677 0 0
Wal-Mart Stores Inc US EQUITIES 931142103   815 5,745 SH   SOLE   5,745 0 0
McDonalds Corp US EQUITIES 580135101   861 3,269 SH   SOLE   3,269 0 0
Crown Castle International Cor US EQUITIES 22822v101   972 7,168 SH   SOLE   7,168 0 0
Medtronic Inc US EQUITIES 585055106   1,082 13,924 SH   SOLE   13,924 0 0
Berkshire Hathaway Inc. Del Cl US EQUITIES 084670702   1,189 3,849 SH   SOLE   3,849 0 0
Fidelity Select Portfoliosheal US EQUITY FUNDS 316390301   1,247 45,163 SH   SOLE   45,163 0 0
Alphabet Inc. Class C US EQUITIES 02079k107   1,379 15,540 SH   SOLE   15,540 0 0
Regeneron Pharmaceuticals Inc US EQUITIES 75886f107   1,665 2,308 SH   SOLE   2,308 0 0
Blackstone Group Inc. Cl A US EQUITIES 09260d107   2,664 35,906 SH   SOLE   35,906 0 0
Merck & Co Inc US EQUITIES 58933y105   3,189 28,829 SH   SOLE   28,829 0 0
Intuit Inc US EQUITIES 461202103   5,235 13,451 SH   SOLE   13,451 0 0
Starbucks Corp US EQUITIES 855244109   5,460 55,043 SH   SOLE   55,043 0 0
Pepsico Inc. US EQUITIES 713448108   5,460 30,225 SH   SOLE   30,225 0 0
Amazon.com Inc US EQUITIES 023135106   5,675 67,561 SH   SOLE   67,561 0 0
L3Harris Technologies Inc. US EQUITIES 502431109   6,040 29,011 SH   SOLE   29,011 0 0
Morgan Stanley US EQUITIES 617446448   6,051 71,172 SH   SOLE   71,172 0 0
AES Corp US EQUITIES 00130h105   6,126 212,995 SH   SOLE   212,995 0 0
Newmont Mining Corp US EQUITIES 651639106   6,131 129,919 SH   SOLE   129,919 0 0
Broadridge Financial Solutions US EQUITIES 11133t103   6,303 46,993 SH   SOLE   46,993 0 0
Qualcomm Inc US EQUITIES 747525103   6,390 58,124 SH   SOLE   58,124 0 0
T-Mobile US Inc. US EQUITIES 872590104   6,518 46,561 SH   SOLE   46,561 0 0
Linde PLC ADR US EQUITIES g5494j103   6,522 19,994 SH   SOLE   19,994 0 0
Rockwell Automation Inc. US EQUITIES 773903109   6,711 26,056 SH   SOLE   26,056 0 0
Deere & Co US EQUITIES 244199105   6,793 15,843 SH   SOLE   15,843 0 0
S&P Global Inc US EQUITIES 78409v104   7,203 21,505 SH   SOLE   21,505 0 0
Air Products & Chemicals Inc US EQUITIES 009158106   7,222 23,429 SH   SOLE   23,429 0 0
Thermo Fisher Scntfc US EQUITIES 883556102   7,489 13,600 SH   SOLE   13,600 0 0
Ulta Beauty Inc US EQUITIES 90384s303   7,491 15,972 SH   SOLE   15,972 0 0
Adobe Inc US EQUITIES 00724f101   7,651 22,736 SH   SOLE   22,736 0 0
JPMorgan Chase & Co US EQUITIES 46625h100   7,661 57,134 SH   SOLE   57,134 0 0
Mastercard Inc Class A US EQUITIES 57636q104   7,909 22,744 SH   SOLE   22,744 0 0
Eli Lilly & Co US EQUITIES 532457108   7,997 21,858 SH   SOLE   21,858 0 0
Chubb LTD F US EQUITIES h1467j104   8,018 36,348 SH   SOLE   36,348 0 0
Jacobs Engineering Group Inc US EQUITIES 46982L108   8,399 69,953 SH   SOLE   69,953 0 0
Palo Alto Networks Inc US EQUITIES 697435105   8,633 61,874 SH   SOLE   61,874 0 0
Unitedhealth Grp Inc US EQUITIES 91324p102   8,661 16,337 SH   SOLE   16,337 0 0
Home Depot Inc US EQUITIES 437076102   8,777 27,789 SH   SOLE   27,789 0 0
Pfizer Inc US EQUITIES 717081103   8,800 171,760 SH   SOLE   171,760 0 0
Costco Wholesale Co US EQUITIES 22160k105   8,818 19,317 SH   SOLE   19,317 0 0
Johnson & Johnson US EQUITIES 478160104   9,471 53,614 SH   SOLE   53,614 0 0
Exxon Mobil Corp US EQUITIES 30231g102   9,729 88,209 SH   SOLE   88,209 0 0
Alphabet Inc. Class A US EQUITIES 02079k305   10,756 121,908 SH   SOLE   121,908 0 0
Schlumberger Ltd US EQUITIES 806857108   10,894 203,783 SH   SOLE   203,783 0 0
CVS Health Corp US EQUITIES 126650100   11,033 118,402 SH   SOLE   118,402 0 0
NextEra Energy Inc US EQUITIES 65339f101   11,232 134,363 SH   SOLE   134,363 0 0
Apple Inc US EQUITIES 037833100   14,503 111,622 SH   SOLE   111,622 0 0
Microsoft Corp US EQUITIES 594918104   20,058 83,640 SH   SOLE   83,640 0 0