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
Abbott Laboratories COM 002824100   1,247,111 10,972 SH   SOLE   10,972 0 0
AbbVie Inc. COM 00287Y109   2,080,782 11,427 SH   SOLE   11,427 0 0
Accenture Ltd. SHS CLASS A G1151C101   284,913 822 SH   SOLE   822 0 0
Aflac Inc COM 001055102   1,694,190 19,732 SH   SOLE   19,732 0 0
Agilent Technologies COM 00846U101   401,026 2,756 SH   SOLE   2,756 0 0
Air Products & Chemicals COM 009158106   291,209 1,202 SH   SOLE   1,202 0 0
Allstate Corporation COM 020002101   331,487 1,916 SH   SOLE   1,916 0 0
Alphabet Inc. Cl. A CAP STK CL A 02079K305   664,243 4,401 SH   SOLE   4,401 0 0
Alphabet Inc. Cl. C CAP STK CL C 02079K107   333,906 2,193 SH   SOLE   2,193 0 0
Amazon.com Inc COM 023135106   205,814 1,141 SH   SOLE   1,141 0 0
American Express Company COM 025816109   614,763 2,700 SH   SOLE   2,700 0 0
Amgen Incorporated COM 031162100   1,097,187 3,859 SH   SOLE   3,859 0 0
Amphenol Corp CL A 032095101   383,539 3,325 SH   SOLE   3,325 0 0
Analog Devices COM 032654105   440,874 2,229 SH   SOLE   2,229 0 0
Apple Inc. COM 037833100   3,033,041 17,687 SH   SOLE   17,687 0 0
Applied Materials COM 038222105   568,192 2,755 SH   SOLE   2,755 0 0
Archer-Daniels-Midland Co COM 039483102   882,543 14,051 SH   SOLE   14,051 0 0
AT&T Inc. COM 001957109   748,597 42,534 SH   SOLE   42,534 0 0
Automatic Data Processing COM 053015103   473,008 1,894 SH   SOLE   1,894 0 0
Avery Dennison Corp COM 053611109   416,138 1,864 SH   SOLE   1,864 0 0
Bank of America Corp COM 06605F102   1,150,959 30,352 SH   SOLE   30,352 0 0
Berkshire Hathaway Cl. B CL B NEW 084670702   1,379,902 3,281 SH   SOLE   3,281 0 0
Boeing Co COM 097023105   702,473 3,640 SH   SOLE   3,640 0 0
Bristol-Myers Squibb Co COM 110122108   810,901 14,953 SH   SOLE   14,953 0 0
Broadcom Inc. COM 11135F101   743,555 561 SH   SOLE   561 0 0
Cardinal Health Inc. COM 14149Y108   298,885 2,671 SH   SOLE   2,671 0 0
Carrier Global Corp. COM 14448C104   390,517 6,718 SH   SOLE   6,718 0 0
Caterpillar Inc COM 149123101   716,737 1,956 SH   SOLE   1,956 0 0
Centerpoint Energy COM 15189T107   244,432 8,580 SH   SOLE   8,580 0 0
Charles Schwab Corp. COM 808513105   557,597 7,708 SH   SOLE   7,708 0 0
Chevron Corporation COM 166764100   1,571,675 9,964 SH   SOLE   9,964 0 0
Cisco Systems Inc. COM 17275R102   827,458 16,579 SH   SOLE   16,579 0 0
Coca-Cola Company COM 191216100   267,758 4,377 SH   SOLE   4,377 0 0
Comcast Corporation Class A CL A 20030N101   425,632 9,819 SH   SOLE   9,819 0 0
ConocoPhillips COM 20825C104   639,157 5,022 SH   SOLE   5,022 0 0
Constellation Brands Cl. A COM 21036P108   641,897 2,362 SH   SOLE   2,362 0 0
Constellation Energy Corp. COM 21037T109   346,963 1,877 SH   SOLE   1,877 0 0
Consumer Discretionery SPDR ETF SBI CONS DISCR 81369Y407   616,032 3,350 SH   SOLE   3,350 0 0
Corteva Inc. COM 22052L104   215,516 3,737 SH   SOLE   3,737 0 0
CVS Health Corp. COM 126650100   521,870 6,543 SH   SOLE   6,543 0 0
Deere & Co. COM 244199105   560,660 1,365 SH   SOLE   1,365 0 0
Disney (Walt) Co COM 254687106   702,223 5,739 SH   SOLE   5,739 0 0
Dominion Energy Inc. COM 25746U109   220,111 4,475 SH   SOLE   4,475 0 0
Dow Inc. COM 260557103   325,928 5,626 SH   SOLE   5,626 0 0
DuPont de Nemours Inc. COM 26614N102   246,887 3,220 SH   SOLE   3,220 0 0
Eaton Corp. SHS G29183103   388,661 1,243 SH   SOLE   1,243 0 0
Equifax Inc. COM 294429105   700,902 2,620 SH   SOLE   2,620 0 0
Exxon Mobil Corporation COM 30231G102   1,380,503 11,876 SH   SOLE   11,876 0 0
Financial Select Sector SPDR ETF FINANCIAL 81369Y605   227,448 5,400 SH   SOLE   5,400 0 0
GE Healthcare Technologies Inc. COMMON STOCK 36266G107   276,277 3,039 SH   SOLE   3,039 0 0
General Dynamics Corp. COM 369550108   226,274 801 SH   SOLE   801 0 0
General Electric Company COM 369604103   1,598,918 9,109 SH   SOLE   9,109 0 0
Global Payments Inc. COM 37940X102   361,149 2,702 SH   SOLE   2,702 0 0
Goldman Sachs COM 38141G104   620,753 1,486 SH   SOLE   1,486 0 0
Goodyear Tire & Rubber Co COM 382550101   222,261 16,188 SH   SOLE   16,188 0 0
Hanes Brands COM 410345102   112,485 19,394 SH   SOLE   19,394 0 0
Hewlett Packard Enterprises COM 42824C109   787,407 44,411 SH   SOLE   44,411 0 0
Hexcel Corp. COM 428291108   236,107 3,241 SH   SOLE   3,241 0 0
Home Depot COM 437076102   2,668,656 6,957 SH   SOLE   6,957 0 0
Honeywell International Inc. COM 438516106   768,251 3,743 SH   SOLE   3,743 0 0
HP Inc. COM 40434L105   1,313,036 43,449 SH   SOLE   43,449 0 0
Illinois Tool Works COM 452308109   903,467 3,367 SH   SOLE   3,367 0 0
Intel Corp COM 458140100   2,224,374 50,359 SH   SOLE   50,359 0 0
International Business Machines COM 459200101   1,463,928 7,666 SH   SOLE   7,666 0 0
International Flavors and Fragrances COM 459506101   317,561 3,693 SH   SOLE   3,693 0 0
Invesco QQQ Trust UNIT SER 1 46090E103   725,718 1,634 SH   SOLE   1,634 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507   586,086 9,649 SH   SOLE   9,649 0 0
iShares Dow Jones U.S. Financial Services Index U.S. FIN SVC ETF 464287770   221,774 3,345 SH   SOLE   3,345 0 0
iShares Dow Jones U.S. Healthcare Sector Index US HLTHCARE ETF 464287762   404,808 6,540 SH   SOLE   6,540 0 0
iShares MSCI EAFE Growth Index EAFE GRWTH ETF 464288885   460,516 4,437 SH   SOLE   4,437 0 0
IShares MSCI EAFE Index MSCI EAFE ETF 464287465   1,667,429 20,879 SH   SOLE   20,879 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273   441,093 6,965 SH   SOLE   6,965 0 0
iShares MSCI Emerging Markets ex-China MSCI EMRG CHN 46434G764   276,854 4,809 SH   SOLE   4,809 0 0
Ishares Russell 1000 ETF RUS 1000 ETF 464287622   211,516 734 SH   SOLE   734 0 0
iShares Russell 2000 Growth Index RUS 2000 GRW ETF 464287648   458,735 1,694 SH   SOLE   1,694 0 0
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655   2,026,879 9,638 SH   SOLE   9,638 0 0
iShares Russell 2000 Value Index RUS 2000 VAL ETF 464287630   210,423 1,325 SH   SOLE   1,325 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200   1,258,598 2,394 SH   SOLE   2,394 0 0
Johnson & Johnson COM 478160104   1,355,560 8,569 SH   SOLE   8,569 0 0
JP Morgan Chase & Co. COM 46625H100   5,539,307 27,655 SH   SOLE   27,655 0 0
Kellanova Company COM 487836108   322,228 5,625 SH   SOLE   5,625 0 0
Kemper Corporation COM 488401100   434,059 7,010 SH   SOLE   7,010 0 0
Keysight Technologies COM 49338L103   283,361 1,812 SH   SOLE   1,812 0 0
Kimberly-Clark Corp COM 494368103   1,315,438 10,170 SH   SOLE   10,170 0 0
L3Harris Technologies Inc. COM 502431109   653,791 3,068 SH   SOLE   3,068 0 0
Laboratory Corp. of America COM 50540R409   216,712 992 SH   SOLE   992 0 0
Liberty Formula One Group COM SER A FRMLA 531229870   321,014 5,465 SH   SOLE   5,465 0 0
Lilly (Eli) & C. COM 532457108   1,157,604 1,488 SH   SOLE   1,488 0 0
Lowes Co Inc COM 548661107   302,737 1,188 SH   SOLE   1,188 0 0
Marathon Petroleum Corp. COM 56585A102   968,409 4,806 SH   SOLE   4,806 0 0
McDonalds Corp COM 580135101   1,227,573 4,354 SH   SOLE   4,354 0 0
McKesson Corporation COM 58155Q103   637,241 1,187 SH   SOLE   1,187 0 0
Medtronic Inc COM 585055106   478,279 5,488 SH   SOLE   5,488 0 0
Merck & Company Inc COM 58933Y105   1,130,418 8,567 SH   SOLE   8,567 0 0
Microsoft Corp COM 594918104   6,052,390 14,386 SH   SOLE   14,386 0 0
Motorola Solutions Inc. COM 620076307   436,270 1,229 SH   SOLE   1,229 0 0
NextEra Energy COM 65339F101   380,776 5,958 SH   SOLE   5,958 0 0
Norfolk Southern Corp COM 655844108   1,052,839 4,131 SH   SOLE   4,131 0 0
Northrop Grumman Corp COM 666807102   1,287,595 2,690 SH   SOLE   2,690 0 0
NVIDIA Corp. COM 67066G104   432,211 478 SH   SOLE   478 0 0
Occidental Petroleum COM 674599105   430,754 6,628 SH   SOLE   6,628 0 0
Oracle Corporation COM 68389X105   336,760 2,681 SH   SOLE   2,681 0 0
Pepsico Inc. COM 713448108   2,879,404 16,453 SH   SOLE   16,453 0 0
Pfizer Inc. COM 717081103   1,423,545 51,299 SH   SOLE   51,299 0 0
PG&E Corp COM 69331C108   215,182 12,839 SH   SOLE   12,839 0 0
Phillips 66 COM 718546104   553,193 3,387 SH   SOLE   3,387 0 0
Procter & Gamble Co. COM 742718109   1,312,556 8,090 SH   SOLE   8,090 0 0
QUALCOMM Inc. COM 747525103   984,340 5,814 SH   SOLE   5,814 0 0
Raytheon Technologies Corp. COM 75513E101   1,530,469 15,692 SH   SOLE   15,692 0 0
Reliance Steel & &Aluminum Co. COM 759509102   865,526 2,590 SH   SOLE   2,590 0 0
Salesforce.com COM 79466L302   212,332 705 SH   SOLE   705 0 0
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706   985,198 39,018 SH   SOLE   39,018 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805   7,395,557 189,532 SH   SOLE   189,532 0 0
Schwab U.S. Large-Cap ETF US LRG CAP ETF 808524201   28,988,744 467,108 SH   SOLE   467,108 0 0
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300   2,887,680 31,144 SH   SOLE   31,144 0 0
Schwab U.S. Large-Cap Value ETF US LCAP VA ETF 808524409   981,662 12,920 SH   SOLE   12,920 0 0
Schwab U.S. Mid-Cap ETF US MID-CAP ETF 808524508   2,017,207 24,772 SH   SOLE   24,772 0 0
Schwab U.S. Small-Cap ETF US SML CAP ETF 808524607   7,890,796 160,252 SH   SOLE   160,252 0 0
Southern Company COM 842587107   262,784 3,663 SH   SOLE   3,663 0 0
SPDR Dow Jones Industrial Avg. ETF UT SER 1 78467X109   450,716 1,133 SH   SOLE   1,133 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   526,071 1,006 SH   SOLE   1,006 0 0
Stryker Corp. COM 863667101   409,761 1,145 SH   SOLE   1,145 0 0
Synchrony Financial COM 87165B103   270,453 6,272 SH   SOLE   6,272 0 0
Sysco Corp. COM 871829107   354,757 4,370 SH   SOLE   4,370 0 0
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803   939,298 4,510 SH   SOLE   4,510 0 0
Texas Instruments, Inc. COM 882508104   722,449 4,147 SH   SOLE   4,147 0 0
TJX Companies COM 872540109   437,830 4,317 SH   SOLE   4,317 0 0
Trane Technologies plc SHS G8994E103   213,442 711 SH   SOLE   711 0 0
Travelers Companies COM 89417E109   452,458 1,966 SH   SOLE   1,966 0 0
Union Pacific Corp. COM 907818108   246,422 1,002 SH   SOLE   1,002 0 0
UnitedHealth Group Inc. COM 910581107   6,726,931 13,598 SH   SOLE   13,598 0 0
Valero Energy Corp. COM 91913Y100   264,570 1,550 SH   SOLE   1,550 0 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844   200,523 1,098 SH   SOLE   1,098 0 0
Vanguard Energy Sector ETF ENERGY ETF 92204A306   1,383,377 10,504 SH   SOLE   10,504 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858   285,969 5,700 SH   SOLE   5,700 0 0
Vanguard Growth ETF GROWTH ETF 922908736   823,987 2,394 SH   SOLE   2,394 0 0
Vanguard Health Care Sector ETF HEALTH CAR ETF 92204A504   470,164 1,738 SH   SOLE   1,738 0 0
Vanguard Industrial Sector ETF INDUSTRIAL ETF 92204A603   251,475 1,030 SH   SOLE   1,030 0 0
Vanguard Large Cap ETF LARGE CAP ETF 922908637   776,822 3,240 SH   SOLE   3,240 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629   459,426 1,839 SH   SOLE   1,839 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611   383,470 1,998 SH   SOLE   1,998 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595   546,208 2,095 SH   SOLE   2,095 0 0
Verizon Communications COM 92343V104   1,098,674 26,184 SH   SOLE   26,184 0 0
Viatris Inc. COM 92556V106   504,409 42,245 SH   SOLE   42,245 0 0
Wal-Mart Stores Inc COM 931142103   716,126 11,902 SH   SOLE   11,902 0 0
Wells Fargo COM 949746101   584,840 10,090 SH   SOLE   10,090 0 0
Weyerhaeuser Corp. COM NEW 962166104   300,172 8,359 SH   SOLE   8,359 0 0
Whirlpool Corp COM 963320106   220,000 1,839 SH   SOLE   1,839 0 0
White Mountain Insurance Group Ltd. COM G9618E107   419,866 234 SH   SOLE   234 0 0