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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Abbott Laboratories COM 002824100 1,310 11,066 SH   SOLE   11,066 0 0
AbbVie Inc. COM 00287Y109 1,830 11,286 SH   SOLE   11,286 0 0
Accenture Ltd. SHS CLASS A G1151C101 410 1,215 SH   SOLE   1,215 0 0
Aflac Inc COM 001055102 1,360 21,059 SH   SOLE   21,059 0 0
Agilent Technologies COM 00846U101 340 2,601 SH   SOLE   2,601 0 0
Air Products & Chemicals COM 009158106 220 869 SH   SOLE   869 0 0
Allstate Corporation COM 020002101 300 2,140 SH   SOLE   2,140 0 0
Alphabet Inc. Cl. A CAP STK CL A 02079K305 360 128 SH   SOLE   128 0 0
American Express Company COM 025816109 370 1,965 SH   SOLE   1,965 0 0
Amgen Incorporated COM 031162100 680 2,800 SH   SOLE   2,800 0 0
Analog Devices COM 032654105 330 1,993 SH   SOLE   1,993 0 0
Apple Inc. COM 037833100 3,090 17,703 SH   SOLE   17,703 0 0
Applied Materials COM 038222105 280 2,126 SH   SOLE   2,126 0 0
Archer-Daniels-Midland Co COM 039483102 1,190 13,158 SH   SOLE   13,158 0 0
AT&T Inc. COM 001957109 940 39,773 SH   SOLE   39,773 0 0
Automatic Data Processing COM 053015103 250 1,090 SH   SOLE   1,090 0 0
Avery Dennison Corp COM 053611109 360 2,062 SH   SOLE   2,062 0 0
Bank of America Corp COM 06605F102 1,270 30,724 SH   SOLE   30,724 0 0
Becton, Dickinson & Co. COM 075887109 200 755 SH   SOLE   755 0 0
Berkshire Hathaway Cl. B CL B NEW 084670702 940 2,669 SH   SOLE   2,669 0 0
Boeing Co COM 097023105 560 2,899 SH   SOLE   2,899 0 0
Bristol-Myers Squibb Co COM 110122108 1,050 14,374 SH   SOLE   14,374 0 0
Brooklyn Immunotherapeutics Inc. COM 09066L105 70 35,556 SH   SOLE   35,556 0 0
Carrier Global Corp. COM 14448C104 310 6,718 SH   SOLE   6,718 0 0
Caterpillar Inc COM 149123101 500 2,238 SH   SOLE   2,238 0 0
Centerpoint Energy COM 15189T107 270 8,702 SH   SOLE   8,702 0 0
Charles Schwab Corp. COM 808513105 630 7,458 SH   SOLE   7,458 0 0
Chevron Corporation COM 166764100 1,740 10,689 SH   SOLE   10,689 0 0
Cisco Systems Inc. COM 17275R102 740 13,229 SH   SOLE   13,229 0 0
Coca-Cola Company COM 191216100 300 4,835 SH   SOLE   4,835 0 0
Comcast Corporation Class A CL A 20030N101 350 7,475 SH   SOLE   7,475 0 0
ConocoPhillips COM 20825C104 620 6,225 SH   SOLE   6,225 0 0
Constellation Brands Cl. A COM 21036P108 540 2,362 SH   SOLE   2,362 0 0
Corteva Inc. COM 22052L104 220 3,748 SH   SOLE   3,748 0 0
CVS Health Corp. COM 126650100 670 6,590 SH   SOLE   6,590 0 0
Deere & Co. COM 244199105 350 843 SH   SOLE   843 0 0
Disney (Walt) Co COM 254687106 490 3,591 SH   SOLE   3,591 0 0
Dominion Energy Inc. COM 25746U109 350 4,157 SH   SOLE   4,157 0 0
Dow Inc. COM 260557103 310 4,940 SH   SOLE   4,940 0 0
DuPont de Nemours Inc. COM 26614N102 240 3,234 SH   SOLE   3,234 0 0
Eaton Corp. COM G29183103 210 1,390 SH   SOLE   1,390 0 0
Exxon Mobil Corporation COM 30231G102 1,070 12,927 SH   SOLE   12,927 0 0
Financial Select Sector SPDR ETF FINANCIAL 81369Y605 210 5,400 SH   SOLE   5,400 0 0
General Dynamics Corp. COM 369550108 200 832 SH   SOLE   832 0 0
General Electric Company COM 369604103 670 7,344 SH   SOLE   7,344 0 0
Global Payments Inc. COM 37940X102 370 2,702 SH   SOLE   2,702 0 0
Goldman Sachs COM 38141G104 490 1,493 SH   SOLE   1,493 0 0
Goodyear Tire & Rubber Co COM 382550101 240 16,698 SH   SOLE   16,698 0 0
Hanes Brands COM 410345102 290 19,394 SH   SOLE   19,394 0 0
Hewlett Packard Enterprises COM 42824C109 750 45,169 SH   SOLE   45,169 0 0
Home Depot COM 437076102 2,090 6,968 SH   SOLE   6,968 0 0
Honeywell International Inc. COM 438516106 730 3,743 SH   SOLE   3,743 0 0
HP Inc. COM 40434L105 1,590 43,914 SH   SOLE   43,914 0 0
Illinois Tool Works COM 452308109 620 2,960 SH   SOLE   2,960 0 0
Intel Corp COM 458140100 2,550 51,419 SH   SOLE   51,419 0 0
International Business Machines COM 459200101 1,000 7,675 SH   SOLE   7,675 0 0
International Flavors and Fragrances COM 459506101 390 2,956 SH   SOLE   2,956 0 0
iShares Dow Jones U.S. Financial Services Index U.S. FIN SVC ETF 464287770 200 1,115 SH   SOLE   1,115 0 0
IShares MSCI EAFE Index MSCI EAFE ETF 464287465 1,520 20,589 SH   SOLE   20,589 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273 430 6,495 SH   SOLE   6,495 0 0
iShares Russell 2000 Growth Index RUS 2000 GRW ETF 464287648 430 1,694 SH   SOLE   1,694 0 0
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655 1,410 6,892 SH   SOLE   6,892 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200 260 584 SH   SOLE   584 0 0
Johnson & Johnson COM 478160104 1,530 8,614 SH   SOLE   8,614 0 0
JP Morgan Chase & Co. COM 46625H100 3,770 27,669 SH   SOLE   27,669 0 0
Kellogg Company COM 487836108 370 5,751 SH   SOLE   5,751 0 0
Kemper Corporation COM 488401100 400 7,010 SH   SOLE   7,010 0 0
Keysight Technologies COM 49338L103 290 1,812 SH   SOLE   1,812 0 0
Kimberly-Clark Corp COM 494368103 1,160 9,442 SH   SOLE   9,442 0 0
L3Harris Technologies Inc. COM 502431109 760 3,068 SH   SOLE   3,068 0 0
Lilly (Eli) & C. COM 532457108 320 1,119 SH   SOLE   1,119 0 0
Lincoln National Corp COM 534187109 260 3,930 SH   SOLE   3,930 0 0
Marathon Petroleum Corp. COM 56585A102 460 5,338 SH   SOLE   5,338 0 0
McDonalds Corp COM 580135101 1,150 4,631 SH   SOLE   4,631 0 0
McKesson Corporation COM 58155Q103 460 1,490 SH   SOLE   1,490 0 0
Medtronic Inc COM 585055106 610 5,488 SH   SOLE   5,488 0 0
Merck & Company Inc COM 58933Y105 620 7,518 SH   SOLE   7,518 0 0
Microsoft Corp COM 594918104 4,650 15,085 SH   SOLE   15,085 0 0
Motorola Solutions Inc. COM 620076307 300 1,229 SH   SOLE   1,229 0 0
NextEra Energy COM 65339F101 440 5,163 SH   SOLE   5,163 0 0
Norfolk Southern Corp COM 655844108 1,190 4,179 SH   SOLE   4,179 0 0
Northrop Grumman Corp COM 666807102 1,200 2,690 SH   SOLE   2,690 0 0
Occidental Petroleum COM 674599105 390 6,890 SH   SOLE   6,890 0 0
Oracle Corporation COM 68389X105 200 2,435 SH   SOLE   2,435 0 0
Pepsico Inc. COM 713448108 2,770 16,549 SH   SOLE   16,549 0 0
Pfizer Inc. COM 717081103 2,340 45,141 SH   SOLE   45,141 0 0
Phillips 66 COM 718546104 300 3,523 SH   SOLE   3,523 0 0
Procter & Gamble Co. COM 742718109 1,280 8,377 SH   SOLE   8,377 0 0
QUALCOMM Inc. COM 747525103 780 5,125 SH   SOLE   5,125 0 0
Raytheon Technologies Corp. COM 75513E101 1,280 12,929 SH   SOLE   12,929 0 0
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706 970 34,782 SH   SOLE   34,782 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 6,020 163,993 SH   SOLE   163,993 0 0
Schwab U.S. Large-Cap ETF US LRG CAP ETF 808524201 22,100 410,383 SH   SOLE   410,383 0 0
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300 1,240 16,634 SH   SOLE   16,634 0 0
Schwab U.S. Large-Cap Value ETF US LCAP VA ETF 808524409 790 11,000 SH   SOLE   11,000 0 0
Schwab U.S. Mid-Cap ETF US MID-CAP ETF 808524508 1,010 13,284 SH   SOLE   13,284 0 0
Schwab U.S. Small-Cap ETF US SML CAP ETF 808524607 6,320 133,420 SH   SOLE   133,420 0 0
Southern Company COM 842587107 270 3,663 SH   SOLE   3,663 0 0
SPDR Dow Jones Industrial Avg. ETF UT SER 1 78467X109 390 1,133 SH   SOLE   1,133 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 450 1,006 SH   SOLE   1,006 0 0
Stryker Corp. COM 863667101 250 920 SH   SOLE   920 0 0
Sysco Corp. COM 871829107 210 2,625 SH   SOLE   2,625 0 0
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803 720 4,510 SH   SOLE   4,510 0 0
Texas Instruments, Inc. COM 882508104 790 4,284 SH   SOLE   4,284 0 0
TJX Companies COM 872540109 290 4,838 SH   SOLE   4,838 0 0
Travelers Companies COM 89417E109 340 1,868 SH   SOLE   1,868 0 0
Union Pacific Corp. COM 907818108 330 1,222 SH   SOLE   1,222 0 0
UnitedHealth Group Inc. COM 910581107 7,090 13,894 SH   SOLE   13,894 0 0
Vanguard Energy Sector ETF ENERGY ETF 92204A306 1,130 10,537 SH   SOLE   10,537 0 0
Vanguard Health Care Sector ETF HEALTH CAR ETF 92204A504 580 2,265 SH   SOLE   2,265 0 0
Vanguard Industrial Sector ETF INDUSTRIAL ETF 92204A603 200 1,045 SH   SOLE   1,045 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629 260 1,089 SH   SOLE   1,089 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611 350 1,998 SH   SOLE   1,998 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 510 2,055 SH   SOLE   2,055 0 0
Verizon Communications COM 92343V104 1,330 26,067 SH   SOLE   26,067 0 0
Viatris Inc. COM 92556V106 470 42,902 SH   SOLE   42,902 0 0
Walgreens Boots Alliance, Inc. COM 931427108 390 8,786 SH   SOLE   8,786 0 0
Wal-Mart Stores Inc COM 931142103 580 3,910 SH   SOLE   3,910 0 0
Wells Fargo COM 949746101 200 4,182 SH   SOLE   4,182 0 0