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
Abbott Laboratories COM 002824100   1,138,022 10,952 SH   SOLE   10,952 0 0
AbbVie Inc. COM 00287Y109   1,954,813 11,397 SH   SOLE   11,397 0 0
Accenture Ltd. SHS CLASS A G1151C101   249,403 822 SH   SOLE   822 0 0
Aflac Inc COM 001055102   1,736,276 19,441 SH   SOLE   19,441 0 0
Agilent Technologies COM 00846U101   357,260 2,756 SH   SOLE   2,756 0 0
Air Products & Chemicals COM 009158106   310,176 1,202 SH   SOLE   1,202 0 0
Allstate Corporation COM 020002101   297,447 1,863 SH   SOLE   1,863 0 0
Alphabet Inc. Cl. A CAP STK CL A 02079K305   776,323 4,262 SH   SOLE   4,262 0 0
Alphabet Inc. Cl. C CAP STK CL C 02079K107   390,868 2,131 SH   SOLE   2,131 0 0
Amazon.com Inc COM 023135106   220,498 1,141 SH   SOLE   1,141 0 0
American Express Company COM 025816109   619,396 2,675 SH   SOLE   2,675 0 0
Amgen Incorporated COM 031162100   1,205,428 3,858 SH   SOLE   3,858 0 0
Amphenol Corp CL A 032095101   426,991 6,338 SH   SOLE   6,338 0 0
Analog Devices COM 032654105   508,792 2,229 SH   SOLE   2,229 0 0
Apple Inc. COM 037833100   3,609,250 17,136 SH   SOLE   17,136 0 0
Applied Materials COM 038222105   647,589 2,744 SH   SOLE   2,744 0 0
Archer-Daniels-Midland Co COM 039483102   863,226 14,280 SH   SOLE   14,280 0 0
AT&T Inc. COM 001957109   808,582 42,312 SH   SOLE   42,312 0 0
Automatic Data Processing COM 053015103   452,079 1,894 SH   SOLE   1,894 0 0
Avery Dennison Corp COM 053611109   369,519 1,690 SH   SOLE   1,690 0 0
Bank of America Corp COM 06605F102   1,184,720 29,789 SH   SOLE   29,789 0 0
Berkshire Hathaway Cl. B CL B NEW 084670702   1,310,473 3,221 SH   SOLE   3,221 0 0
Boeing Co COM 097023105   660,868 3,631 SH   SOLE   3,631 0 0
Bristol-Myers Squibb Co COM 110122108   620,251 14,935 SH   SOLE   14,935 0 0
Broadcom Inc. COM 11135F101   863,775 538 SH   SOLE   538 0 0
Cardinal Health Inc. COM 14149Y108   262,613 2,671 SH   SOLE   2,671 0 0
Carrier Global Corp. COM 14448C104   423,519 6,714 SH   SOLE   6,714 0 0
Caterpillar Inc COM 149123101   643,216 1,931 SH   SOLE   1,931 0 0
Centerpoint Energy COM 15189T107   261,285 8,434 SH   SOLE   8,434 0 0
Charles Schwab Corp. COM 808513105   568,003 7,708 SH   SOLE   7,708 0 0
Chevron Corporation COM 166764100   1,547,463 9,893 SH   SOLE   9,893 0 0
Cisco Systems Inc. COM 17275R102   822,731 17,317 SH   SOLE   17,317 0 0
Coca-Cola Company COM 191216100   276,849 4,350 SH   SOLE   4,350 0 0
Comcast Corporation Class A CL A 20030N101   382,084 9,757 SH   SOLE   9,757 0 0
ConocoPhillips COM 20825C104   528,092 4,617 SH   SOLE   4,617 0 0
Constellation Brands Cl. A COM 21036P108   606,666 2,358 SH   SOLE   2,358 0 0
Constellation Energy Corp. COM 21037T109   369,498 1,845 SH   SOLE   1,845 0 0
Consumer Discretionery SPDR ETF SBI CONS DISCR 81369Y407   611,040 3,350 SH   SOLE   3,350 0 0
Corteva Inc. COM 22052L104   201,142 3,729 SH   SOLE   3,729 0 0
Costco Wholesale Corp. COM 22160K105   204,040 240 SH   SOLE   240 0 0
CVS Health Corp. COM 126650100   391,036 6,621 SH   SOLE   6,621 0 0
Deere & Co. COM 244199105   510,005 1,365 SH   SOLE   1,365 0 0
Disney (Walt) Co COM 254687106   569,825 5,739 SH   SOLE   5,739 0 0
Dominion Energy Inc. COM 25746U109   216,874 4,426 SH   SOLE   4,426 0 0
Dow Inc. COM 260557103   297,611 5,610 SH   SOLE   5,610 0 0
DuPont de Nemours Inc. COM 26614N102   258,292 3,209 SH   SOLE   3,209 0 0
Eaton Corp. SHS G29183103   376,574 1,201 SH   SOLE   1,201 0 0
Equifax Inc. COM 294429105   635,245 2,620 SH   SOLE   2,620 0 0
Exxon Mobil Corporation COM 30231G102   1,425,070 12,379 SH   SOLE   12,379 0 0
Financial Select Sector SPDR ETF FINANCIAL 81369Y605   221,994 5,400 SH   SOLE   5,400 0 0
GE Aerospace COM NEW 369604301   1,436,135 9,034 SH   SOLE   9,034 0 0
GE Healthcare Technologies Inc. COMMON STOCK 36266G107   235,396 3,021 SH   SOLE   3,021 0 0
GE Vernova Inc COM 36828A101   380,581 2,219 SH   SOLE   2,219 0 0
General Dynamics Corp. COM 369550108   225,149 776 SH   SOLE   776 0 0
Global Payments Inc. COM 37940X102   261,283 2,702 SH   SOLE   2,702 0 0
Goldman Sachs COM 38141G104   668,981 1,479 SH   SOLE   1,479 0 0
Goodyear Tire & Rubber Co COM 382550101   180,147 15,872 SH   SOLE   15,872 0 0
Hanes Brands COM 410345102   95,612 19,394 SH   SOLE   19,394 0 0
Hewlett Packard Enterprises COM 42824C109   922,208 43,562 SH   SOLE   43,562 0 0
Hexcel Corp. COM 428291108   202,400 3,241 SH   SOLE   3,241 0 0
Home Depot COM 437076102   2,387,536 6,936 SH   SOLE   6,936 0 0
Honeywell International Inc. COM 438516106   798,426 3,739 SH   SOLE   3,739 0 0
HP Inc. COM 40434L105   1,508,206 43,067 SH   SOLE   43,067 0 0
Illinois Tool Works COM 452308109   797,844 3,367 SH   SOLE   3,367 0 0
Intel Corp COM 458140100   1,556,293 50,252 SH   SOLE   50,252 0 0
International Business Machines COM 459200101   1,324,970 7,661 SH   SOLE   7,661 0 0
International Flavors and Fragrances COM 459506101   351,611 3,693 SH   SOLE   3,693 0 0
Invesco QQQ Trust UNIT SER 1 46090E103   783,087 1,634 SH   SOLE   1,634 0 0
iShares Core S&P Mid-Cap ETF CORE S&P MCP ETF 464287507   564,665 9,649 SH   SOLE   9,649 0 0
iShares Dow Jones U.S. Financial Services Index U.S. FIN SVC ETF 464287770   218,127 3,345 SH   SOLE   3,345 0 0
iShares Dow Jones U.S. Healthcare Sector Index US HLTHCARE ETF 464287762   400,688 6,540 SH   SOLE   6,540 0 0
iShares MSCI EAFE Growth Index EAFE GRWTH ETF 464288885   464,135 4,537 SH   SOLE   4,537 0 0
IShares MSCI EAFE Index MSCI EAFE ETF 464287465   1,634,700 20,869 SH   SOLE   20,869 0 0
iShares MSCI EAFE Small Cap Index EAFE SML CP ETF 464288273   409,598 6,645 SH   SOLE   6,645 0 0
iShares MSCI Emerging Markets ex-China MSCI EMRG CHN 46434G764   293,573 4,959 SH   SOLE   4,959 0 0
Ishares Russell 1000 ETF RUS 1000 ETF 464287622   218,500 734 SH   SOLE   734 0 0
iShares Russell 2000 Growth Index RUS 2000 GRW ETF 464287648   444,726 1,694 SH   SOLE   1,694 0 0
iShares Russell 2000 Index RUSSELL 2000 ETF 464287655   1,955,462 9,638 SH   SOLE   9,638 0 0
iShares Russell 2000 Value Index RUS 2000 VAL ETF 464287630   201,798 1,325 SH   SOLE   1,325 0 0
iShares S&P 500 Index CORE S&P500 ETF 464287200   1,293,104 2,363 SH   SOLE   2,363 0 0
Johnson & Johnson COM 478160104   1,250,978 8,559 SH   SOLE   8,559 0 0
JP Morgan Chase & Co. COM 46625H100   5,524,125 27,312 SH   SOLE   27,312 0 0
Kellanova Company COM 487836108   317,759 5,509 SH   SOLE   5,509 0 0
Kemper Corporation COM 488401100   415,903 7,010 SH   SOLE   7,010 0 0
Keysight Technologies COM 49338L103   249,706 1,826 SH   SOLE   1,826 0 0
Kimberly-Clark Corp COM 494368103   1,390,517 10,062 SH   SOLE   10,062 0 0
L3Harris Technologies Inc. COM 502431109   689,011 3,068 SH   SOLE   3,068 0 0
Laboratory Corp. of America COM NEW 50540R409   211,650 1,040 SH   SOLE   1,040 0 0
Liberty Formula One Group COM SER A FRMLA 531229870   342,539 5,333 SH   SOLE   5,333 0 0
Lilly (Eli) & C. COM 532457108   1,287,450 1,422 SH   SOLE   1,422 0 0
Lowes Co Inc COM 548661107   262,009 1,188 SH   SOLE   1,188 0 0
Marathon Petroleum Corp. COM 56585A102   781,701 4,506 SH   SOLE   4,506 0 0
McDonalds Corp COM 580135101   1,096,577 4,303 SH   SOLE   4,303 0 0
McKesson Corporation COM 58155Q103   657,629 1,126 SH   SOLE   1,126 0 0
Medtronic Inc COM 585055106   431,960 5,488 SH   SOLE   5,488 0 0
Merck & Company Inc COM 58933Y105   1,042,455 8,420 SH   SOLE   8,420 0 0
Microsoft Corp COM 594918104   6,335,516 14,175 SH   SOLE   14,175 0 0
Motorola Solutions Inc. COM 620076307   474,455 1,229 SH   SOLE   1,229 0 0
NextEra Energy COM 65339F101   421,886 5,958 SH   SOLE   5,958 0 0
Norfolk Southern Corp COM 655844108   875,721 4,079 SH   SOLE   4,079 0 0
Northrop Grumman Corp COM 666807102   1,172,706 2,690 SH   SOLE   2,690 0 0
NVIDIA Corp. COM 67066G104   575,872 4,661 SH   SOLE   4,661 0 0
Occidental Petroleum COM 674599105   417,385 6,622 SH   SOLE   6,622 0 0
Oracle Corporation COM 68389X105   365,567 2,589 SH   SOLE   2,589 0 0
Pepsico Inc. COM 713448108   2,712,220 16,445 SH   SOLE   16,445 0 0
Pfizer Inc. COM 717081103   1,455,292 52,012 SH   SOLE   52,012 0 0
PG&E Corp COM 69331C108   224,169 12,839 SH   SOLE   12,839 0 0
Phillips 66 COM 718546104   458,661 3,249 SH   SOLE   3,249 0 0
Procter & Gamble Co. COM 742718109   1,217,228 7,381 SH   SOLE   7,381 0 0
QUALCOMM Inc. COM 747525103   1,113,452 5,590 SH   SOLE   5,590 0 0
Raytheon Technologies Corp. COM 75513E101   1,572,609 15,665 SH   SOLE   15,665 0 0
Reliance Steel & &Aluminum Co. COM 759509102   715,428 2,505 SH   SOLE   2,505 0 0
Schwab Emerging Markets Equity ETF EMRG MKTEQ ETF 808524706   1,049,014 39,496 SH   SOLE   39,496 0 0
Schwab International Equity ETF INTL EQTY ETF 808524805   7,237,713 188,384 SH   SOLE   188,384 0 0
Schwab U.S. Large-Cap ETF US LRG CAP ETF 808524201   29,248,720 455,233 SH   SOLE   455,233 0 0
Schwab U.S. Large-Cap Growth ETF US LCAP GR ETF 808524300   3,149,637 31,234 SH   SOLE   31,234 0 0
Schwab U.S. Large-Cap Value ETF US LCAP VA ETF 808524409   957,114 12,920 SH   SOLE   12,920 0 0
Schwab U.S. Mid-Cap ETF US MID-CAP ETF 808524508   1,966,453 25,266 SH   SOLE   25,266 0 0
Schwab U.S. Small-Cap ETF US SML CAP ETF 808524607   7,646,378 161,146 SH   SOLE   161,146 0 0
Southern Company COM 842587107   250,008 3,223 SH   SOLE   3,223 0 0
SPDR Dow Jones Industrial Avg. ETF UT SER 1 78467X109   443,203 1,133 SH   SOLE   1,133 0 0
SPDR S&P 500 ETF TR UNIT 78462F103   547,342 1,006 SH   SOLE   1,006 0 0
Stryker Corp. COM 863667101   384,483 1,130 SH   SOLE   1,130 0 0
Synchrony Financial COM 87165B103   212,407 4,501 SH   SOLE   4,501 0 0
Sysco Corp. COM 871829107   319,113 4,470 SH   SOLE   4,470 0 0
Technology Select Sector SPDR ETF TECHNOLOGY 81369Y803   1,020,297 4,510 SH   SOLE   4,510 0 0
Texas Instruments, Inc. COM 882508104   800,880 4,117 SH   SOLE   4,117 0 0
TJX Companies COM 872540109   456,475 4,146 SH   SOLE   4,146 0 0
Trane Technologies plc SHS G8994E103   230,251 700 SH   SOLE   700 0 0
Travelers Companies COM 89417E109   399,156 1,963 SH   SOLE   1,963 0 0
Union Pacific Corp. COM 907818108   226,713 1,002 SH   SOLE   1,002 0 0
UnitedHealth Group Inc. COM 910581107   6,795,818 13,344 SH   SOLE   13,344 0 0
Valero Energy Corp. COM 91913Y100   237,491 1,515 SH   SOLE   1,515 0 0
Vanguard Energy Sector ETF ENERGY ETF 92204A306   1,328,131 10,411 SH   SOLE   10,411 0 0
Vanguard FTSE Developed Markets ETF VAN FTSE DEV MKT 921943858   281,694 5,700 SH   SOLE   5,700 0 0
Vanguard Growth ETF GROWTH ETF 922908736   895,350 2,394 SH   SOLE   2,394 0 0
Vanguard Health Care Sector ETF HEALTH CAR ETF 92204A504   439,964 1,654 SH   SOLE   1,654 0 0
Vanguard Industrial Sector ETF INDUSTRIAL ETF 92204A603   242,277 1,030 SH   SOLE   1,030 0 0
Vanguard Large Cap ETF LARGE CAP ETF 922908637   808,769 3,240 SH   SOLE   3,240 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629   445,157 1,839 SH   SOLE   1,839 0 0
Vanguard Small Cap Value ETF SM CP VAL ETF 922908611   364,764 1,998 SH   SOLE   1,998 0 0
Vanguard Small-Cap Growth ETF SML CP GRW ETF 922908595   534,028 2,135 SH   SOLE   2,135 0 0
Verizon Communications COM 92343V104   1,070,260 25,952 SH   SOLE   25,952 0 0
Viatris Inc. COM 92556V106   444,472 41,813 SH   SOLE   41,813 0 0
Wal-Mart Stores Inc COM 931142103   758,535 11,203 SH   SOLE   11,203 0 0
Wells Fargo COM 949746101   579,528 9,758 SH   SOLE   9,758 0 0
Weyerhaeuser Corp. COM NEW 962166104   234,473 8,259 SH   SOLE   8,259 0 0
White Mountain Insurance Group Ltd. COM G9618E107   421,648 232 SH   SOLE   232 0 0