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 1,071 11,066 SH   SOLE   11,066 0 0
AbbVie Inc. COM 00287Y109 1,536 11,445 SH   SOLE   11,445 0 0
Accenture Ltd. SHS CLASS A G1151C101 313 1,215 SH   SOLE   1,215 0 0
Aflac Inc COM 001055102 1,182 21,036 SH   SOLE   21,036 0 0
Agilent Technologies COM 00846U101 316 2,601 SH   SOLE   2,601 0 0
Air Products & Chemicals COM 009158106 252 1,084 SH   SOLE   1,084 0 0
Allstate Corporation COM 020002101 266 2,140 SH   SOLE   2,140 0 0
Alphabet Inc. Cl. A CAP STK CL A 02079K305 333 3,484 SH   SOLE   3,484 0 0
American Express Company COM 025816109 381 2,827 SH   SOLE   2,827 0 0
Amgen Incorporated COM 031162100 831 3,685 SH   SOLE   3,685 0 0
Amphenol Corp CL A 032095101 229 3,425 SH   SOLE   3,425 0 0
Analog Devices COM 032654105 289 2,073 SH   SOLE   2,073 0 0
Apple Inc. COM 037833100 2,577 18,650 SH   SOLE   18,650 0 0
Applied Materials COM 038222105 220 2,680 SH   SOLE   2,680 0 0
Archer-Daniels-Midland Co COM 039483102 1,043 12,960 SH   SOLE   12,960 0 0
AT&T Inc. COM 001957109 664 43,269 SH   SOLE   43,269 0 0
Automatic Data Processing COM 053015103 425 1,878 SH   SOLE   1,878 0 0
Avery Dennison Corp COM 053611109 335 2,062 SH   SOLE   2,062 0 0
Bank of America Corp COM 06605F102 927 30,703 SH   SOLE   30,703 0 0
Berkshire Hathaway Cl. B CL B NEW 084670702 922 3,454 SH   SOLE   3,454 0 0
Boeing Co COM 097023105 434 3,581 SH   SOLE   3,581 0 0
Bristol-Myers Squibb Co COM 110122108 1,183 16,639 SH   SOLE   16,639 0 0
Brooklyn Immunotherapeutics Inc. COM 09066L105 9 35,556 SH   SOLE   35,556 0 0
Carrier Global Corp. COM 14448C104 236 6,640 SH   SOLE   6,640 0 0
Caterpillar Inc COM 149123101 378 2,306 SH   SOLE   2,306 0 0
Centerpoint Energy COM 15189T107 245 8,702 SH   SOLE   8,702 0 0
Charles Schwab Corp. COM 808513105 536 7,458 SH   SOLE   7,458 0 0
Chevron Corporation COM 166764100 1,629 11,337 SH   SOLE   11,337 0 0
Cisco Systems Inc. COM 17275R102 590 14,753 SH   SOLE   14,753 0 0
Coca-Cola Company COM 191216100 269 4,810 SH   SOLE   4,810 0 0
Comcast Corporation Class A CL A 20030N101 292 9,955 SH   SOLE   9,955 0 0
ConocoPhillips COM 20825C104 637 6,225 SH   SOLE   6,225 0 0
Constellation Brands Cl. A COM 21036P108 543 2,362 SH   SOLE   2,362 0 0
Consumer Discretionery SPDR ETF SBI CONS DISCR 81369Y407 477 3,350 SH   SOLE   3,350 0 0
Corteva Inc. COM 22052L104 211 3,695 SH   SOLE   3,695 0 0
CVS Health Corp. COM 126650100 614 6,441 SH   SOLE   6,441 0 0
Deere & Co. COM 244199105 408 1,221 SH   SOLE   1,221 0 0
Disney (Walt) Co COM 254687106 533 5,652 SH   SOLE   5,652 0 0
Dominion Energy Inc. COM 25746U109 313 4,535 SH   SOLE   4,535 0 0
Dow Inc. COM 260557103 244 5,555 SH   SOLE   5,555 0 0
Equifax Inc. COM 294429105 451 2,633 SH   SOLE   2,633 0 0
Exxon Mobil Corporation COM 30231G102 1,123 12,861 SH   SOLE   12,861 0 0
General Electric Company COM 369604103 570 9,199 SH   SOLE   9,199 0 0
Global Payments Inc. COM 37940X102 292 2,702 SH   SOLE   2,702 0 0
Goldman Sachs COM 38141G104 437 1,492 SH   SOLE   1,492 0 0
Goodyear Tire & Rubber Co COM 382550101 168 16,678 SH   SOLE   16,678 0 0
Hanes Brands COM 410345102 135 19,394 SH   SOLE   19,394 0 0
Hewlett Packard Enterprises COM 42824C109 541 45,169 SH   SOLE   45,169 0 0
Hexcel Corp. COM 428291108 215 4,165 SH   SOLE   4,165 0 0
Home Depot COM 437076102 1,915 6,941 SH   SOLE   6,941 0 0
Honeywell International Inc. COM 438516106 625 3,743 SH   SOLE   3,743 0 0
HP Inc. COM 40434L105 1,094 43,914 SH   SOLE   43,914 0 0
Illinois Tool Works COM 452308109 610 3,376 SH   SOLE   3,376 0 0
Intel Corp COM 458140100 1,327 51,484 SH   SOLE   51,484 0 0
International Business Machines COM 459200101 910 7,657 SH   SOLE   7,657 0 0
International Flavors and Fragrances COM 459506101 268 2,956 SH   SOLE   2,956 0 0
Invesco QQQ Trust UNIT SER 1 46090E103 437 1,634 SH   SOLE   1,634 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507 423 1,931 SH   SOLE   1,931 0 0
iShares Dow Jones U.S. Healthcare Sector Index US HLTHCARE ETF 464287762 331 1,310 SH   SOLE   1,310 0 0
iShares MSCI EAFE Growth Index EAFE GRWTH ETF 464288885 315 4,337 SH   SOLE   4,337 0 0
IShares MSCI EAFE Index MSCI EAFE ETF 464287465 1,146 20,458 SH   SOLE   20,458 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273 340 6,965 SH   SOLE   6,965 0 0
iShares MSCI Emerging Markets ex-China MSCI EMRG CHN 46434G764 213 4,807 SH   SOLE   4,807 0 0
iShares Russell 2000 Growth Index RUS 2000 GRW ETF 464287648 350 1,694 SH   SOLE   1,694 0 0
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655 1,563 9,475 SH   SOLE   9,475 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200 873 2,434 SH   SOLE   2,434 0 0
Johnson & Johnson COM 478160104 1,497 9,164 SH   SOLE   9,164 0 0
JP Morgan Chase & Co. COM 46625H100 2,926 28,003 SH   SOLE   28,003 0 0
Kellogg Company COM 487836108 401 5,751 SH   SOLE   5,751 0 0
Kemper Corporation COM 488401100 289 7,010 SH   SOLE   7,010 0 0
Keysight Technologies COM 49338L103 285 1,812 SH   SOLE   1,812 0 0
Kimberly-Clark Corp COM 494368103 1,107 9,838 SH   SOLE   9,838 0 0
L3Harris Technologies Inc. COM 502431109 638 3,068 SH   SOLE   3,068 0 0
Liberty Formula One Group COM SER A FRMLA 531229870 300 5,715 SH   SOLE   5,715 0 0
Lilly (Eli) & C. COM 532457108 524 1,620 SH   SOLE   1,620 0 0
Lowes Co Inc COM 548661107 223 1,188 SH   SOLE   1,188 0 0
Marathon Petroleum Corp. COM 56585A102 500 5,032 SH   SOLE   5,032 0 0
McDonalds Corp COM 580135101 1,129 4,894 SH   SOLE   4,894 0 0
McKesson Corporation COM 58155Q103 476 1,402 SH   SOLE   1,402 0 0
Medtronic Inc COM 585055106 443 5,488 SH   SOLE   5,488 0 0
Merck & Company Inc COM 58933Y105 746 8,658 SH   SOLE   8,658 0 0
Microsoft Corp COM 594918104 3,696 15,871 SH   SOLE   15,871 0 0
Motorola Solutions Inc. COM 620076307 275 1,229 SH   SOLE   1,229 0 0
NextEra Energy COM 65339F101 382 4,875 SH   SOLE   4,875 0 0
Norfolk Southern Corp COM 655844108 876 4,179 SH   SOLE   4,179 0 0
Northrop Grumman Corp COM 666807102 1,265 2,690 SH   SOLE   2,690 0 0
Occidental Petroleum COM 674599105 423 6,880 SH   SOLE   6,880 0 0
Pepsico Inc. COM 713448108 2,701 16,543 SH   SOLE   16,543 0 0
Pfizer Inc. COM 717081103 2,152 49,167 SH   SOLE   49,167 0 0
PG&E Corp COM 69331C108 154 12,312 SH   SOLE   12,312 0 0
Phillips 66 COM 718546104 276 3,423 SH   SOLE   3,423 0 0
Procter & Gamble Co. COM 742718109 1,234 9,772 SH   SOLE   9,772 0 0
QUALCOMM Inc. COM 747525103 623 5,516 SH   SOLE   5,516 0 0
Raytheon Technologies Corp. COM 75513E101 1,056 12,901 SH   SOLE   12,901 0 0
Reliance Steel & &Aluminum Co. COM 759509102 494 2,830 SH   SOLE   2,830 0 0
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706 787 35,140 SH   SOLE   35,140 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805 5,195 184,673 SH   SOLE   184,673 0 0
Schwab U.S. Large-Cap ETF US LRG CAP ETF 808524201 19,116 451,384 SH   SOLE   451,384 0 0
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300 1,563 28,012 SH   SOLE   28,012 0 0
Schwab U.S. Large-Cap Value ETF US LCAP VA ETF 808524409 644 11,000 SH   SOLE   11,000 0 0
Schwab U.S. Mid-Cap ETF US MID-CAP ETF 808524508 1,357 22,417 SH   SOLE   22,417 0 0
Schwab U.S. Small-Cap ETF US SML CAP ETF 808524607 5,752 152,164 SH   SOLE   152,164 0 0
Southern Company COM 842587107 249 3,663 SH   SOLE   3,663 0 0
SPDR Dow Jones Industrial Avg. ETF UT SER 1 78467X109 326 1,133 SH   SOLE   1,133 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 359 1,006 SH   SOLE   1,006 0 0
Stryker Corp. COM 863667101 298 1,470 SH   SOLE   1,470 0 0
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803 536 4,510 SH   SOLE   4,510 0 0
Texas Instruments, Inc. COM 882508104 682 4,407 SH   SOLE   4,407 0 0
TJX Companies COM 872540109 286 4,602 SH   SOLE   4,602 0 0
Travelers Companies COM 89417E109 286 1,868 SH   SOLE   1,868 0 0
Union Pacific Corp. COM 907818108 224 1,150 SH   SOLE   1,150 0 0
UnitedHealth Group Inc. COM 910581107 7,008 13,875 SH   SOLE   13,875 0 0
Vanguard Energy Sector ETF ENERGY ETF 92204A306 1,069 10,525 SH   SOLE   10,525 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858 207 5,700 SH   SOLE   5,700 0 0
Vanguard Growth ETF GROWTH ETF 922908736 395 1,844 SH   SOLE   1,844 0 0
Vanguard Health Care Sector ETF HEALTH CAR ETF 92204A504 389 1,740 SH   SOLE   1,740 0 0
Vanguard Large Cap ETF LARGE CAP ETF 922908637 448 2,740 SH   SOLE   2,740 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629 346 1,839 SH   SOLE   1,839 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611 287 1,998 SH   SOLE   1,998 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595 401 2,055 SH   SOLE   2,055 0 0
Verizon Communications COM 92343V104 1,038 27,345 SH   SOLE   27,345 0 0
Viatris Inc. COM 92556V106 365 42,824 SH   SOLE   42,824 0 0
Walgreens Boots Alliance, Inc. COM 931427108 276 8,786 SH   SOLE   8,786 0 0
Wal-Mart Stores Inc COM 931142103 500 3,858 SH   SOLE   3,858 0 0
Warner Bros. Discovery Inc. COM SER A 934423104 130 11,316 SH   SOLE   11,316 0 0
Wells Fargo COM 949746101 418 10,387 SH   SOLE   10,387 0 0
Weyerhaeuser Corp. COM NEW 962166104 246 8,600 SH   SOLE   8,600 0 0
White Mountain Insurance Group Ltd. COM G9618E107 297 228 SH   SOLE   228 0 0