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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ASML Holding NV INTERNATIONAL EQUITY n07059210   217 300 SH   SOLE   300 0 0
Bank of Montreal INTERNATIONAL EQUITY 063671101   126 1,400 SH   SOLE   1,400 0 0
Deutsche Telekom AG (EUROS) INTERNATIONAL EQUITY d2035m136   106 4,900 SH   SOLE   4,900 0 0
E On SE NPV (EUROS) INTERNATIONAL EQUITY D24914133   12 1,000 SH   SOLE   1,000 0 0
Heidelbergcement AG (EUROS) INTERNATIONAL EQUITY d31709104   49 600 SH   SOLE   600 0 0
Infineon Technologies AG (EURO INTERNATIONAL EQUITY d35415104   65 1,600 SH   SOLE   1,600 0 0
SAP SE (EUROS) INTERNATIONAL EQUITY d66992104   34 250 SH   SOLE   250 0 0
Sanofi (EUROS) INTERNATIONAL EQUITY f5548n101   16 150 SH   SOLE   150 0 0
Siemens AG NPV (EUROS) INTERNATIONAL EQUITY d69671218   29 180 SH   SOLE   180 0 0
AES Corp US EQUITIES 00130h105   14 68 SH   SOLE   68 0 0
ASML Holding N.V. US EQUITIES n07059210   797 1,100 SH   SOLE   1,100 0 0
AT&T Inc. US EQUITIES 00206r102   20 1,306 SH   SOLE   1,306 0 0
AbbVie Inc US EQUITIES 00287y109   159 1,182 SH   SOLE   1,182 0 0
Abbott Laboratories US EQUITIES 002824100   95 875 SH   SOLE   875 0 0
Accenture Plc F Class A US EQUITIES g1151c101   92 300 SH   SOLE   300 0 0
Adobe Inc US EQUITIES 00724f101   1,119 22,888 SH   SOLE   22,888 0 0
Air Products & Chemicals Inc US EQUITIES 009158106   7,049 23,534 SH   SOLE   23,534 0 0
Allegiant Travel Company US EQUITIES 01748x102   25 200 SH   SOLE   200 0 0
Allianz ADS Ord Shares US EQUITIES 018820100   102 4,400 SH   SOLE   4,400 0 0
Alphabet Inc. Class A US EQUITIES 02079k305   11,648 97,311 SH   SOLE   97,311 0 0
Alphabet Inc. Class C US EQUITIES 02079k107   1,855 15,340 SH   SOLE   15,340 0 0
Amazon.com Inc US EQUITIES 023135106   12,718 97,566 SH   SOLE   97,566 0 0
American Electric Power Co US EQUITIES 025537101   63 756 SH   SOLE   756 0 0
American Express Company US EQUITIES 025816109   123 711 SH   SOLE   711 0 0
American Water Works Co Inc US EQUITIES 030411102   13 93 SH   SOLE   93 0 0
Apple Inc US EQUITIES 037833100   23,196 119,586 SH   SOLE   119,586 0 0
Automatic Data Processing Inc. US EQUITIES 053015103   12 55 SH   SOLE   55 0 0
Bank of America Corp US EQUITIES 060505104   506 17,670 SH   SOLE   17,670 0 0
Bank of NY Mellon Corp US EQUITIES 064058100   134 3,021 SH   SOLE   3,021 0 0
Berkshire Hathaway Inc. Del Cl US EQUITIES 084670702   131 3,849 SH   SOLE   3,849 0 0
Black Hills Corp US EQUITIES 092113109   34 567 SH   SOLE   567 0 0
Blackstone Group Inc. Cl A US EQUITIES 09260d107   3,229 34,737 SH   SOLE   34,737 0 0
Bristol-Myers Squibb Co US EQUITIES 110122108   70 1,100 SH   SOLE   1,100 0 0
Broadcom Limited US EQUITIES y09827109   8,223 9,480 SH   SOLE   9,480 0 0
Broadridge Financial Solutions US EQUITIES 11133t103   7,664 46,275 SH   SOLE   46,275 0 0
CNFinance Holdings Limited ADS US EQUITIES 18979t105   58 20,086 SH   SOLE   20,086 0 0
CVS Health Corp US EQUITIES 126650100   1,807 26,146 SH   SOLE   26,146 0 0
Carlisle Cos Inc US EQUITIES 142339100   17 70 SH   SOLE   70 0 0
Chevron Corporation US EQUITIES 166764100   27 174 SH   SOLE   174 0 0
Chubb LTD F US EQUITIES h1467j104   6,793 35,281 SH   SOLE   35,281 0 0
Cisco Systems Inc US EQUITIES 17275r102   241 4,663 SH   SOLE   4,663 0 0
Clorox Co US EQUITIES 189054109   35 225 SH   SOLE   225 0 0
Coca Cola Co US EQUITIES 191216100   87 1,451 SH   SOLE   1,451 0 0
Colgate Palmolive Co US EQUITIES 194162103   408 5,300 SH   SOLE   5,300 0 0
Comcast Corp New Class A US EQUITIES 20030n101   36 872 SH   SOLE   872 0 0
Consolidated Water Co. Ltd. US EQUITIES g23773107   48 2,000 SH   SOLE   2,000 0 0
Corning Inc US EQUITIES 219350105   52 1,500 SH   SOLE   1,500 0 0
Costco Wholesale Co US EQUITIES 22160k105   10,348 19,221 SH   SOLE   19,221 0 0
Crown Castle International Cor US EQUITIES 22822v101   245 2,157 SH   SOLE   2,157 0 0
Danaher Corp US EQUITIES 235851102   48 200 SH   SOLE   200 0 0
Deere & Co US EQUITIES 244199105   6,554 16,176 SH   SOLE   16,176 0 0
Deutsche Telekom AG ADR US EQUITIES 251566105   210 9,650 SH   SOLE   9,650 0 0
Devon Energy Corp. US EQUITIES 25179m103   29 600 SH   SOLE   600 0 0
Dominion Resources Inc VA New US EQUITIES 25746u109   10 200 SH   SOLE   200 0 0
Duke Energy Corporation US EQUITIES 26441c204   10 121 SH   SOLE   121 0 0
Edwards Lifesciences Corp US EQUITIES 28176E108   113,196 1,200 SH   SOLE   1,200 0 0
Eli Lilly & Co US EQUITIES 532457108   10,043 21,415 SH   SOLE   21,415 0 0
Exxon Mobil Corp US EQUITIES 30231g102   9,114 84,981 SH   SOLE   84,981 0 0
FMC Corp. US EQUITIES 302491303   198 1,900 SH   SOLE   1,900 0 0
First Tr NASDAQ Tech Div Indx US EQUITIES 33738r118   58 1,000 SH   SOLE   1,000 0 0
Fiserv Inc US EQUITIES 337738108   6,619 52,471 SH   SOLE   52,471 0 0
Ford Motor Co US EQUITIES 345370860   3,359 222,071 SH   SOLE   222,071 0 0
Fortune Brands Home & Sec Inc US EQUITIES 34964c106   28 400 SH   SOLE   400 0 0
General Mills Inc US EQUITIES 370334104   26 350 SH   SOLE   350 0 0
Goldman Sachs Group Inc US EQUITIES 38141g104   64 200 SH   SOLE   200 0 0
Hartford Financial Services Gr US EQUITIES 416515104   10 150 SH   SOLE   150 0 0
Home Depot Inc US EQUITIES 437076102   8,512 27,403 SH   SOLE   27,403 0 0
Honeywell International Inc. US EQUITIES 438516106   15 73 SH   SOLE   73 0 0
Illinois Tool Works Inc US EQUITIES 452308109   297 1,188 SH   SOLE   1,188 0 0
Illumina Inc US EQUITIES 452327109   13 70 SH   SOLE   70 0 0
International Business Machine US EQUITIES 459200101   227 1,698 SH   SOLE   1,698 0 0
International Flavors & Fragra US EQUITIES 459506101   137 1,725 SH   SOLE   1,725 0 0
Intra-Cellular Therapies, Inc US EQUITIES 46116x101   224 3,550 SH   SOLE   3,550 0 0
Intuit Inc US EQUITIES 461202103   6,287 13,723 SH   SOLE   13,723 0 0
Invesco Exchange Traded FD TR US EQUITIES 46137v563   42 2,220 SH   SOLE   2,220 0 0
Invesco QQQ TR Unit Ser 1 US EQUITIES 46090e103   123 333 SH   SOLE   333 0 0
J.M. Smucker Co. US EQUITIES 832696405   22 150 SH   SOLE   150 0 0
JPMorgan Chase & Co US EQUITIES 46625h100   8,447 58,082 SH   SOLE   58,082 0 0
Jacobs Engineering Group Inc US EQUITIES 46982L108   940 7,910 SH   SOLE   7,910 0 0
Johnson & Johnson US EQUITIES 478160104   8,602 51,971 SH   SOLE   51,971 0 0
Kimberly-Clark Corp US EQUITIES 494368103   88 640 SH   SOLE   640 0 0
Kroger Co US EQUITIES 501044101   12 275 SH   SOLE   275 0 0
Linde PLC ADR US EQUITIES G54950103   7,557 19,833 SH   SOLE   19,833 0 0
Lockheed Martin Corp US EQUITIES 539830109   158 344 SH   SOLE   344 0 0
Mastercard Inc Class A US EQUITIES 57636q104   9,365 23,812 SH   SOLE   23,812 0 0
McDonalds Corp US EQUITIES 580135101   975 3,269 SH   SOLE   3,269 0 0
Medtronic Inc US EQUITIES 585055106   8,358 94,880 SH   SOLE   94,880 0 0
MetLife Inc US EQUITIES 59156r108   45 81 SH   SOLE   81 0 0
Meta Platforms Class A Common US EQUITIES 30303m102   1,896 6,607 SH   SOLE   6,607 0 0
Microsoft Corp US EQUITIES 594918104   32,026 94,046 SH   SOLE   94,046 0 0
Mondelez Intl Inc US EQUITIES 609207105   91 1,260 SH   SOLE   1,260 0 0
Morgan Stanley US EQUITIES 617446448   6,080 71,205 SH   SOLE   71,205 0 0
National Fuel Gas Co US EQUITIES 636180101   25 500 SH   SOLE   500 0 0
Nestle SA Spons ADR US EQUITIES 641069406   315 2,625 SH   SOLE   2,625 0 0
New Jersey Resources Corp US EQUITIES 646025106   247 5,250 SH   SOLE   5,250 0 0
Newmont Mining Corp US EQUITIES 651639106   103 2,433 SH   SOLE   2,433 0 0
NextEra Energy Inc US EQUITIES 65339f101   9,161 123,474 SH   SOLE   123,474 0 0
Nvidia Corp. US EQUITIES 67066g104   164 388 SH   SOLE   388 0 0
Occidental Petroleum Corp US EQUITIES 674599105   31 530 SH   SOLE   530 0 0
Oracle Corporation US EQUITIES 68389x105   929 7,804 SH   SOLE   7,804 0 0
PJT Partners Inc. US EQUITIES 69343t107   16 231 SH   SOLE   231 0 0
PNC Financial Svcs Group Inc US EQUITIES 693475105   53 425 SH   SOLE   425 0 0
Palo Alto Networks Inc US EQUITIES 697435105   15,632 61,183 SH   SOLE   61,183 0 0
Pepsico Inc. US EQUITIES 713448108   5,730 30,937 SH   SOLE   30,937 0 0
Petco Health & Wellness Compan US EQUITIES 71601v105   12 1,440 SH   SOLE   1,440 0 0
Pfizer Inc US EQUITIES 717081103   135 3,701 SH   SOLE   3,701 0 0
Philip Morris Intl. Inc. US EQUITIES 718172109   48 500 SH   SOLE   500 0 0
Procter & Gamble Co US EQUITIES 742718109   183 1,212 SH   SOLE   1,212 0 0
Prologis Inc US EQUITIES 74340w103   14 120 SH   SOLE   120 0 0
Ptc Inc. US EQUITIES 69370c100   56 395 SH   SOLE   395 0 0
Qualcomm Inc US EQUITIES 747525103   1,527 12,828 SH   SOLE   12,828 0 0
Quanta Services Inc US EQUITIES 74762e102   56 288 SH   SOLE   288 0 0
Raytheon Technologies Corp. US EQUITIES 75513e101   5,760 58,803 SH   SOLE   58,803 0 0
Regeneron Pharmaceuticals Inc US EQUITIES 75886f107   1,658 2,308 SH   SOLE   2,308 0 0
Roche Holding Ltd. Spons ADR US EQUITIES 771195104   665 17,410 SH   SOLE   17,410 0 0
Rockwell Automation Inc. US EQUITIES 773903109   8,571 26,018 SH   SOLE   26,018 0 0
Royal Dutch Shell PLC ADS CL A US EQUITIES 780259206   78 1,300 SH   SOLE   1,300 0 0
S&P Global Inc US EQUITIES 78409v104   8,673 21,635 SH   SOLE   21,635 0 0
SPDR S&P Dividend ETF US EQUITIES 78464a763   44 362 SH   SOLE   362 0 0
SPDR S&P500 ETF US EQUITIES 78462f103   78 176 SH   SOLE   176 0 0
SS&C Technologies Hldgs Inc. US EQUITIES 78467j100   810 13,372 SH   SOLE   13,372 0 0
Schlumberger Ltd US EQUITIES 806857108   6,685 136,112 SH   SOLE   136,112 0 0
Schwab Cap Trs&p 500 Select US EQUITIES 808509855   56 825 SH   SOLE   825 0 0
Southern Co US EQUITIES 842587107   14 200 SH   SOLE   200 0 0
Starbucks Corp US EQUITIES 855244109   5,675 57,298 SH   SOLE   57,298 0 0
Stryker Corp US EQUITIES 863667101   3,367 11,039 SH   SOLE   11,039 0 0
T-Mobile US Inc US EQUITIES 872590104   9,249 66,591 SH   SOLE   66,591 0 0
Technology Select Sector SPDR US EQUITIES 81369y803   60 350 SH   SOLE   350 0 0
Thermo Fisher Scntfc US EQUITIES 883556102   7,167 13,738 SH   SOLE   13,738 0 0
Tootsie Roll Industries Inc US EQUITIES 890516107   83 2,355 SH   SOLE   2,355 0 0
Ulta Beauty Inc US EQUITIES 90384s303   7,480 15,896 SH   SOLE   15,896 0 0
Unilever PLC ADS US EQUITIES 904767704   10 210 SH   SOLE   210 0 0
Unitedhealth Grp Inc US EQUITIES 91324p102   7,857 16,347 SH   SOLE   16,347 0 0
Vanguard ETF Index Funds Mid C US EQUITIES 922908538   431 2,095 SH   SOLE   2,095 0 0
Vanguard Index Fd Small-Cap ET US EQUITIES 922908751   14 72 SH   SOLE   72 0 0
Vanguard Index Growth ETF US EQUITIES 922908736   16 60 SH   SOLE   60 0 0
Vanguard Star Fd Total Intl. S US EQUITIES 921909768   108 1,930 SH   SOLE   1,930 0 0
Verizon Communications Inc US EQUITIES 92343v104   801 2,197 SH   SOLE   2,197 0 0
Visa Inc. Class A US EQUITIES 92826c839   80 340 SH   SOLE   340 0 0
Wal-Mart Stores Inc US EQUITIES 931142103   899 5,720 SH   SOLE   5,720 0 0
Walt Disney Co US EQUITIES 254687106   214 2,400 SH   SOLE   2,400 0 0
Waste Management Inc US EQUITIES 94106l109   111 645 SH   SOLE   645 0 0
Wells Fargo & Co US EQUITIES 949746101   38 900 SH   SOLE   900 0 0
Xylem Inc US EQUITIES 98419m100   34 310 SH   SOLE   310 0 0
Zebra Technologies Corp Cl A US EQUITIES 989207105   8 2,825 SH   SOLE   2,825 0 0
Zimmer Biomet Holdings US EQUITIES 98956p102   835 24,020 SH   SOLE   24,020 0 0
Zoetis Inc. US EQUITIES 98978v103   18 108 SH   SOLE   108 0 0
iShares DJ Select Dividend ETF US EQUITIES 464287168   70 623 SH   SOLE   623 0 0
iShares S&P 100 ETF US EQUITIES 464287101   62 300 SH   SOLE   300 0 0