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
3 M Common Stock 88579Y101   475,017 2,967 SH   SOLE   2,967 0 0
ABBOTT Common Stock 002824100   264,362 2,110 SH   SOLE   2,110 0 0
ABBVIE Common Stock 00287Y109   682,500 2,987 SH   SOLE   2,987 0 0
ADOBE SYS Common Stock 00724F101   714,330 2,041 SH   SOLE   2,041 0 0
AIR PRODS & Common Stock 009158106   200,086 810 SH   SOLE   810 0 0
ALPHABET Common Stock 02079K305   4,753,844 15,188 SH   SOLE   15,188 0 0
AMAZON.COM Common Stock 023135106   1,913,959 8,292 SH   SOLE   8,292 0 0
AMERICAN ELECTRIC Common Stock 025537101   306,379 2,657 SH   SOLE   2,657 0 0
ANALOG Common Stock 032654105   1,553,162 5,727 SH   SOLE   5,727 0 0
APPLE Common Stock 037833100   3,550,492 13,060 SH   SOLE   13,060 0 0
AT&T Common Stock 00206R102   565,632 22,771 SH   SOLE   22,771 0 0
BANK NEW YORK MELLON Common Stock 064058100   1,004,759 8,655 SH   SOLE   8,655 0 0
BECTON DICKINSON Common Stock 075887109   238,706 1,230 SH   SOLE   1,230 0 0
BERKSHIRE HATHAWAY INC Common Stock 084670702   5,059,675 10,066 SH   SOLE   10,066 0 0
BLACKROCK Common Stock 09290D101   346,790 324 SH   SOLE   324 0 0
BROWN FORMAN Common Stock 115637209   214,865 8,245 SH   SOLE   8,245 0 0
CARMAX Common Stock 143130102   284,777 7,370 SH   SOLE   7,370 0 0
CATERPILLAR Common Stock 149123101   786,551 1,373 SH   SOLE   1,373 0 0
CENCORA Common Stock 03073E105   1,519,875 4,500 SH   SOLE   4,500 0 0
CHARLES SCHWAB Common Stock 808513105   428,414 4,288 SH   SOLE   4,288 0 0
CHEVRON Common Stock 166764100   635,702 4,171 SH   SOLE   4,171 0 0
CISCO SYSTEMS Common Stock 17275R102   944,850 12,266 SH   SOLE   12,266 0 0
CITIGROUP Common Stock 172967424   343,069 2,940 SH   SOLE   2,940 0 0
CME GROUP Common Stock 12572Q105   571,830 2,094 SH   SOLE   2,094 0 0
COCA COLA Common Stock 191216100   740,976 10,599 SH   SOLE   10,599 0 0
COMCAST Common Stock 20030N101   893,352 29,888 SH   SOLE   29,888 0 0
CONOCO Common Stock 20825C104   295,808 3,160 SH   SOLE   3,160 0 0
CVS HEALTH Common Stock 126650100   746,778 9,410 SH   SOLE   9,410 0 0
DEVON ENERGY Common Stock 25179M103   339,743 9,275 SH   SOLE   9,275 0 0
DOLLAR GENERAL Common Stock 256677105   200,483 1,510 SH   SOLE   1,510 0 0
ELEVANCE HEALTH Common Stock 036752103   1,097,923 3,132 SH   SOLE   3,132 0 0
ELI LILLY & CO Common Stock 532457108   214,936 200 SH   SOLE   200 0 0
ENBRIDGE Int'l Common Stock 29250N105   1,473,881 30,815 SH   SOLE   30,815 0 0
ESSENTIAL UTILS Common Stock 29670G102   529,483 13,803 SH   SOLE   13,803 0 0
EXXON MOBIL Common Stock 30231G102   1,838,675 15,279 SH   SOLE   15,279 0 0
FEDEX Common Stock 31428X106   235,421 815 SH   SOLE   815 0 0
GARMIN Common Stock H2906T109   415,843 2,050 SH   SOLE   2,050 0 0
GENERAL DYNAMICS Common Stock 369550108   1,663,100 4,940 SH   SOLE   4,940 0 0
GSK PLC SPONSORED Int'l Common Stock 37733W204   246,671 5,030 SH   SOLE   5,030 0 0
HOME DEPOT Common Stock 437076102   1,188,866 3,455 SH   SOLE   3,455 0 0
HONEYWELL Common Stock 438516106   797,333 4,087 SH   SOLE   4,087 0 0
INTERNATIONAL FLAVORS & Common Stock 459506101   361,143 5,359 SH   SOLE   5,359 0 0
INVESCO QQQ Exchange Traded Fund 46090E103   2,706,650 4,406 SH   SOLE   4,406 0 0
ISHARES HIGH YIELD CORPORATE Fixed Income ETF 464288513   273,336 3,390 SH   SOLE   3,390 0 0
ISHARES MICRO CAP Exchange Traded Fund 464288869   630,800 4,000 SH   SOLE   4,000 0 0
ISHARES MSCI International Equity ETF 464287465   749,610 7,806 SH   SOLE   7,806 0 0
ISHARES RUSSELL Exchange Traded Fund 464287655   386,225 1,569 SH   SOLE   1,569 0 0
ISHARES SELECT DIVIDEND Exchange Traded Fund 464287168   2,021,548 14,323 SH   SOLE   14,323 0 0
ISHARES TR U.S. Exchange Traded Fund 464288687   2,548,472 82,315 SH   SOLE   82,315 0 0
ISHARES TR Fixed Income ETF 464288638   431,040 8,000 SH   SOLE   8,000 0 0
JOHNSON & Common Stock 478160104   1,550,469 7,492 SH   SOLE   7,492 0 0
JP MORGAN Common Stock 46625H100   1,996,153 6,195 SH   SOLE   6,195 0 0
LOCKHEED MARTIN Common Stock 539830109   338,569 700 SH   SOLE   700 0 0
LOWE'S COMPANIES Common Stock 548661107   1,476,864 6,124 SH   SOLE   6,124 0 0
MASTERCARD Common Stock 57636Q104   1,085,814 1,902 SH   SOLE   1,902 0 0
MCDONALDS Common Stock 580135101   1,795,576 5,875 SH   SOLE   5,875 0 0
MCKESSON Common Stock 58155Q103   1,218,131 1,485 SH   SOLE   1,485 0 0
MEDTRONIC Int'l Common Stock G5960L103   771,842 8,035 SH   SOLE   8,035 0 0
MERCK & CO Common Stock 58933Y105   399,462 3,795 SH   SOLE   3,795 0 0
META PLATFORMS Common Stock 30303M102   1,011,258 1,532 SH   SOLE   1,532 0 0
MICROSOFT Common Stock 594918104   5,665,125 11,714 SH   SOLE   11,714 0 0
MONDELEZ INTERNATIONAL Common Stock 609207105   730,904 13,578 SH   SOLE   13,578 0 0
NEXTERA Common Stock 65339F101   356,925 4,446 SH   SOLE   4,446 0 0
NOVARTIS Int'l Common Stock 66987V109   831,356 6,030 SH   SOLE   6,030 0 0
NVIDIA Common Stock 67066G104   548,310 2,940 SH   SOLE   2,940 0 0
OMNICOM GROUP Common Stock 681919106   517,204 6,405 SH   SOLE   6,405 0 0
ORACLE Common Stock 68389X105   1,604,499 8,232 SH   SOLE   8,232 0 0
PEPSICO Common Stock 713448108   1,694,110 11,804 SH   SOLE   11,804 0 0
PFIZER Common Stock 717081103   564,284 22,662 SH   SOLE   22,662 0 0
PHILIP MORRIS Common Stock 718172109   405,652 2,529 SH   SOLE   2,529 0 0
PROCTER & GAMBLE Common Stock 742718109   1,005,320 7,015 SH   SOLE   7,015 0 0
RTX Common Stock 75513E101   425,305 2,319 SH   SOLE   2,319 0 0
S&P CONSUMER Exchange Traded Fund 81369Y407   230,939 1,934 SH   SOLE   1,934 0 0
S&P SPDR CONSUMER Exchange Traded Fund 81369Y308   314,293 4,046 SH   SOLE   4,046 0 0
S&P SPDR SELECT Exchange Traded Fund 81369Y506   1,054,441 23,584 SH   SOLE   23,584 0 0
S&P SPDR SELECT Exchange Traded Fund 81369Y605   1,058,266 19,322 SH   SOLE   19,322 0 0
S&P SPDR TECHNOLOGY SBI Exchange Traded Fund 81369Y803   1,722,169 11,962 SH   SOLE   11,962 0 0
S&P SPDR Exchange Traded Fund 81369Y100   746,552 16,462 SH   SOLE   16,462 0 0
S&P SPDR Exchange Traded Fund 81369Y704   200,570 1,293 SH   SOLE   1,293 0 0
S&P SPDR Exchange Traded Fund 81369Y886   548,225 12,842 SH   SOLE   12,842 0 0
SALESFORCE Common Stock 79466L302   322,925 1,219 SH   SOLE   1,219 0 0
SANOFI Int'l Common Stock 80105N105   810,736 16,730 SH   SOLE   16,730 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y860   681,108 16,880 SH   SOLE   16,880 0 0
SLB LIMITED Common Stock 806857108   218,574 5,695 SH   SOLE   5,695 0 0
SPDR DOW JONES INDUSTRIAL Exchange Traded Fund 78467X109   858,298 1,786 SH   SOLE   1,786 0 0
SPDR GOLD TR Exchange Traded Fund 78463V107   600,806 1,516 SH   SOLE   1,516 0 0
SPDR S&P 500 Exchange Traded Fund 78462F103   798,528 1,171 SH   SOLE   1,171 0 0
STARBUCKS Common Stock 855244109   361,261 4,290 SH   SOLE   4,290 0 0
TAIWAN SEMICONDUCTOR Int'l Common Stock 874039100   1,044,166 3,436 SH   SOLE   3,436 0 0
UNILEVER PLC Int'l Common Stock 904767803   673,882 10,304 SH   SOLE   10,304 0 0
UNION PACIFIC Common Stock 907818108   722,181 3,122 SH   SOLE   3,122 0 0
VANGUARD COMMUNICATION Exchange Traded Fund 92204A884   809,373 4,180 SH   SOLE   4,180 0 0
VANGUARD S&P 500 Exchange Traded Fund 922908363   2,344,212 3,738 SH   SOLE   3,738 0 0
VERIZON COMMUNICATIONS Common Stock 92343V104   671,190 16,479 SH   SOLE   16,479 0 0
VISA Common Stock 92826C839   1,494,025 4,260 SH   SOLE   4,260 0 0
WAL-MART Common Stock 931142103   1,839,156 16,508 SH   SOLE   16,508 0 0
WALT DISNEY Common Stock 254687106   388,752 3,417 SH   SOLE   3,417 0 0
WELLS FARGO Common Stock 949746101   2,563,839 27,509 SH   SOLE   27,509 0 0