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   424,362 2,922 SH   SOLE   2,922 0 0
ABBOTT Common Stock 002824100   201,233 1,960 SH   SOLE   1,960 0 0
ABBVIE Common Stock 00287Y109   585,918 2,694 SH   SOLE   2,694 0 0
ADOBE SYS Common Stock 00724F101   475,708 1,957 SH   SOLE   1,957 0 0
AIR PRODS & Common Stock 009158106   235,297 810 SH   SOLE   810 0 0
ALPHABET Common Stock 02079K305   4,328,641 15,053 SH   SOLE   15,053 0 0
AMAZON.COM Common Stock 023135106   1,684,488 8,088 SH   SOLE   8,088 0 0
AMERICAN ELECTRIC Common Stock 025537101   348,148 2,656 SH   SOLE   2,656 0 0
ANALOG Common Stock 032654105   1,802,899 5,667 SH   SOLE   5,667 0 0
APPLE Common Stock 037833100   3,388,350 13,351 SH   SOLE   13,351 0 0
AT&T Common Stock 00206R102   649,753 22,413 SH   SOLE   22,413 0 0
BANK NEW YORK MELLON Common Stock 064058100   1,024,370 8,635 SH   SOLE   8,635 0 0
BERKSHIRE HATHAWAY INC Common Stock 084670702   5,183,027 10,816 SH   SOLE   10,816 0 0
BLACKROCK Common Stock 09290D101   311,594 324 SH   SOLE   324 0 0
BROWN FORMAN Common Stock 115637209   205,703 7,780 SH   SOLE   7,780 0 0
CARMAX Common Stock 143130102   305,821 7,355 SH   SOLE   7,355 0 0
CATERPILLAR Common Stock 149123101   937,293 1,323 SH   SOLE   1,323 0 0
CENCORA Common Stock 03073E105   1,413,630 4,500 SH   SOLE   4,500 0 0
CHARLES SCHWAB Common Stock 808513105   396,408 4,218 SH   SOLE   4,218 0 0
CHEVRON Common Stock 166764100   837,117 4,046 SH   SOLE   4,046 0 0
CISCO SYSTEMS Common Stock 17275R102   917,579 11,826 SH   SOLE   11,826 0 0
CITIGROUP Common Stock 172967424   333,425 2,940 SH   SOLE   2,940 0 0
CME GROUP Common Stock 12572Q105   574,160 1,944 SH   SOLE   1,944 0 0
COCA COLA Common Stock 191216100   792,745 10,424 SH   SOLE   10,424 0 0
COMCAST Common Stock 20030N101   824,436 28,716 SH   SOLE   28,716 0 0
CONOCO Common Stock 20825C104   409,200 3,100 SH   SOLE   3,100 0 0
CVS HEALTH Common Stock 126650100   648,894 9,035 SH   SOLE   9,035 0 0
DEVON ENERGY Common Stock 25179M103   466,718 9,275 SH   SOLE   9,275 0 0
ELEVANCE HEALTH Common Stock 036752103   877,372 2,997 SH   SOLE   2,997 0 0
ENBRIDGE Int'l Common Stock 29250N105   1,609,041 29,720 SH   SOLE   29,720 0 0
ESSENTIAL UTILS Common Stock 29670G102   546,746 13,577 SH   SOLE   13,577 0 0
EXXON MOBIL Common Stock 30231G102   2,570,179 15,149 SH   SOLE   15,149 0 0
FEDEX Common Stock 31428X106   290,287 815 SH   SOLE   815 0 0
GARMIN Common Stock H2906T109   475,621 2,050 SH   SOLE   2,050 0 0
GENERAL DYNAMICS Common Stock 369550108   1,686,926 4,915 SH   SOLE   4,915 0 0
GLOBAL X FDS US INFR Exchange Traded Fund 37954Y673   205,781 4,050 SH   SOLE   4,050 0 0
GSK PLC SPONSORED Int'l Common Stock 37733W204   277,606 5,030 SH   SOLE   5,030 0 0
HOME DEPOT Common Stock 437076102   1,086,981 3,305 SH   SOLE   3,305 0 0
HONEYWELL Common Stock 438516106   897,791 3,972 SH   SOLE   3,972 0 0
INTERNATIONAL FLAVORS & Common Stock 459506101   323,428 4,458 SH   SOLE   4,458 0 0
INVESCO QQQ Exchange Traded Fund 46090E103   2,458,210 4,259 SH   SOLE   4,259 0 0
ISHARES HIGH YIELD CORPORATE Fixed Income ETF 464288513   264,537 3,325 SH   SOLE   3,325 0 0
ISHARES MICRO CAP Exchange Traded Fund 464288869   638,440 4,000 SH   SOLE   4,000 0 0
ISHARES MSCI International Equity ETF 464287465   731,486 7,531 SH   SOLE   7,531 0 0
ISHARES RUSSELL Exchange Traded Fund 464287655   389,112 1,569 SH   SOLE   1,569 0 0
ISHARES SELECT DIVIDEND Exchange Traded Fund 464287168   2,216,340 14,638 SH   SOLE   14,638 0 0
ISHARES TR U.S. Exchange Traded Fund 464288687   2,463,803 81,260 SH   SOLE   81,260 0 0
ISHARES TR Fixed Income ETF 464288638   425,760 8,000 SH   SOLE   8,000 0 0
JOHNSON & Common Stock 478160104   1,794,190 7,340 SH   SOLE   7,340 0 0
JP MORGAN Common Stock 46625H100   1,803,201 6,130 SH   SOLE   6,130 0 0
LOCKHEED MARTIN Common Stock 539830109   423,073 700 SH   SOLE   700 0 0
LOWE'S COMPANIES Common Stock 548661107   1,439,654 6,093 SH   SOLE   6,093 0 0
MASTERCARD Common Stock 57636Q104   917,875 1,837 SH   SOLE   1,837 0 0
MCDONALDS Common Stock 580135101   1,807,244 5,815 SH   SOLE   5,815 0 0
MCKESSON Common Stock 58155Q103   1,285,060 1,485 SH   SOLE   1,485 0 0
MEDTRONIC Int'l Common Stock G5960L103   693,633 8,005 SH   SOLE   8,005 0 0
MERCK & CO Common Stock 58933Y105   456,501 3,795 SH   SOLE   3,795 0 0
META PLATFORMS Common Stock 30303M102   846,180 1,479 SH   SOLE   1,479 0 0
MICROSOFT Common Stock 594918104   4,320,624 11,672 SH   SOLE   11,672 0 0
MONDELEZ INTERNATIONAL Common Stock 609207105   801,427 13,904 SH   SOLE   13,904 0 0
NEXTERA Common Stock 65339F101   412,944 4,446 SH   SOLE   4,446 0 0
NOVARTIS Int'l Common Stock 66987V109   914,973 5,990 SH   SOLE   5,990 0 0
NVIDIA Common Stock 67066G104   539,594 3,094 SH   SOLE   3,094 0 0
OMNICOM GROUP Common Stock 681919106   482,361 6,405 SH   SOLE   6,405 0 0
ORACLE Common Stock 68389X105   1,208,803 8,217 SH   SOLE   8,217 0 0
PEPSICO Common Stock 713448108   1,792,668 11,544 SH   SOLE   11,544 0 0
PFIZER Common Stock 717081103   616,693 21,962 SH   SOLE   21,962 0 0
PHILIP MORRIS Common Stock 718172109   478,494 2,894 SH   SOLE   2,894 0 0
PHILLIPS Common Stock 718546104   255,963 1,405 SH   SOLE   1,405 0 0
PROCTER & GAMBLE Common Stock 742718109   985,081 6,820 SH   SOLE   6,820 0 0
PUBLIC STORAGE OPER CO Common Stock 74460D109   348,352 1,286 SH   SOLE   1,286 0 0
RTX Common Stock 75513E101   409,720 2,124 SH   SOLE   2,124 0 0
S&P SPDR CONSUMER Exchange Traded Fund 81369Y308   331,691 4,046 SH   SOLE   4,046 0 0
S&P SPDR SELECT Exchange Traded Fund 81369Y506   1,444,756 23,584 SH   SOLE   23,584 0 0
S&P SPDR SELECT Exchange Traded Fund 81369Y605   937,141 18,982 SH   SOLE   18,982 0 0
S&P SPDR TECHNOLOGY SBI Exchange Traded Fund 81369Y803   1,540,577 11,592 SH   SOLE   11,592 0 0
S&P SPDR Exchange Traded Fund 81369Y100   822,606 16,462 SH   SOLE   16,462 0 0
S&P SPDR Exchange Traded Fund 81369Y704   209,117 1,293 SH   SOLE   1,293 0 0
S&P SPDR Exchange Traded Fund 81369Y886   611,117 13,317 SH   SOLE   13,317 0 0
SALESFORCE Common Stock 79466L302   227,551 1,219 SH   SOLE   1,219 0 0
SANOFI Int'l Common Stock 80105N105   786,057 16,315 SH   SOLE   16,315 0 0
SELECT SECTOR SPDR TR Exchange Traded Fund 81369Y860   697,376 17,080 SH   SOLE   17,080 0 0
SLB LIMITED Common Stock 806857108   292,666 5,695 SH   SOLE   5,695 0 0
SOUTHERN Common Stock 842587107   207,518 2,150 SH   SOLE   2,150 0 0
SPDR DOW JONES INDUSTRIAL Exchange Traded Fund 78467X109   797,613 1,722 SH   SOLE   1,722 0 0
SPDR GOLD TR Exchange Traded Fund 78463V107   602,406 1,400 SH   SOLE   1,400 0 0
SPDR S&P 500 Exchange Traded Fund 78462F103   738,786 1,136 SH   SOLE   1,136 0 0
STARBUCKS Common Stock 855244109   374,934 4,185 SH   SOLE   4,185 0 0
TAIWAN SEMICONDUCTOR Int'l Common Stock 874039100   1,155,789 3,420 SH   SOLE   3,420 0 0
TESLA Common Stock 88160R101   581,417 1,564 SH   SOLE   1,564 0 0
UNILEVER PLC Int'l Common Stock 904767803   582,006 10,216 SH   SOLE   10,216 0 0
UNION PACIFIC Common Stock 907818108   757,460 3,122 SH   SOLE   3,122 0 0
VANGUARD COMMUNICATION Exchange Traded Fund 92204A884   751,731 4,180 SH   SOLE   4,180 0 0
VANGUARD S&P 500 Exchange Traded Fund 922908363   3,227,368 5,401 SH   SOLE   5,401 0 0
VERIZON COMMUNICATIONS Common Stock 92343V104   816,202 16,259 SH   SOLE   16,259 0 0
VISA Common Stock 92826C839   1,252,785 4,145 SH   SOLE   4,145 0 0
WAL-MART Common Stock 931142103   2,044,406 16,450 SH   SOLE   16,450 0 0
WALT DISNEY Common Stock 254687106   313,139 3,249 SH   SOLE   3,249 0 0
WELLS FARGO Common Stock 949746101   2,098,838 26,364 SH   SOLE   26,364 0 0