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| | | 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 |
Aflac Inc. | COM | 001055102 | 3,580 | 63,703 | SH | | SOLE | | 63,703 | 0 | 0 |
Alphabet Inc. Class C | COM | 02079K107 | 6,908 | 71,846 | SH | | SOLE | | 71,846 | 0 | 0 |
Amazon.com Inc. | COM | 023135106 | 9,480 | 83,890 | SH | | SOLE | | 83,890 | 0 | 0 |
American Tower Corp. | COM | 03027X100 | 13,615 | 63,413 | SH | | SOLE | | 63,413 | 0 | 0 |
Amgen Inc. | COM | 031162100 | 8,572 | 38,032 | SH | | SOLE | | 38,032 | 0 | 0 |
Apple Inc. | COM | 037833100 | 17,317 | 125,303 | SH | | SOLE | | 125,303 | 0 | 0 |
BP PLC (ADR) | COM | 055622104 | 7,375 | 258,328 | SH | | SOLE | | 258,328 | 0 | 0 |
Bank of America Corp. | COM | 060505104 | 10,208 | 338,017 | SH | | SOLE | | 338,017 | 0 | 0 |
Black Knight Inc. | COM | 09215C105 | 637 | 9,834 | SH | | SOLE | | 9,834 | 0 | 0 |
Boeing Co. | COM | 097023105 | 720 | 5,950 | SH | | SOLE | | 5,950 | 0 | 0 |
CVS Health Corp. | COM | 126650100 | 11,233 | 117,781 | SH | | SOLE | | 117,781 | 0 | 0 |
Canadian Natural Resources Ltd | COM | 136385101 | 289 | 6,200 | SH | | SOLE | | 6,200 | 0 | 0 |
Cheniere Energy Partners LP | COM | 16411Q101 | 222 | 4,166 | SH | | SOLE | | 4,166 | 0 | 0 |
Chevron Corp. | COM | 166764100 | 12 | 90 | SH | | SOLE | | 90 | 0 | 0 |
Colgate-Palmolive Co. | COM | 194162103 | 4,853 | 69,083 | SH | | SOLE | | 69,083 | 0 | 0 |
Cummins Inc. | COM | 231021106 | 332 | 1,632 | SH | | SOLE | | 1,632 | 0 | 0 |
Dominion Energy Inc. | COM | 25746U109 | 3,802 | 55,020 | SH | | SOLE | | 55,020 | 0 | 0 |
Eli Lilly & Co. | COM | 532457108 | 1,761 | 5,448 | SH | | SOLE | | 5,448 | 0 | 0 |
Exxon Mobil Corp. | COM | 30231G102 | 6,713 | 76,884 | SH | | SOLE | | 76,884 | 0 | 0 |
Goldman Sachs Group Inc. | COM | 38141G104 | 9,354 | 31,921 | SH | | SOLE | | 31,921 | 0 | 0 |
Home Depot Inc. | COM | 437076102 | 8,964 | 32,487 | SH | | SOLE | | 32,487 | 0 | 0 |
Honeywell International Inc. | COM | 438516106 | 13,039 | 78,092 | SH | | SOLE | | 78,092 | 0 | 0 |
IDEX Corp. | COM | 45167R104 | 280 | 1,400 | SH | | SOLE | | 1,400 | 0 | 0 |
Johnson & Johnson | COM | 478160104 | 17,526 | 107,283 | SH | | SOLE | | 107,283 | 0 | 0 |
Linde PLC | COM | G5494J103 | 17,568 | 65,164 | SH | | SOLE | | 65,164 | 0 | 0 |
Lowe's Companies Inc. | COM | 548661107 | 8,052 | 42,872 | SH | | SOLE | | 42,872 | 0 | 0 |
McCormick & Co. Inc. | COM | 579780206 | 285 | 4,000 | SH | | SOLE | | 4,000 | 0 | 0 |
Medtronic PLC | COM | G5960l103 | 14,026 | 173,697 | SH | | SOLE | | 173,697 | 0 | 0 |
Merck & Co. Inc. | COM | 58933Y105 | 247 | 2,863 | SH | | SOLE | | 2,863 | 0 | 0 |
Meta Platforms Inc. (Facebook | COM | 30303M102 | 4,020 | 29,628 | SH | | SOLE | | 29,628 | 0 | 0 |
Microsoft Corp. | COM | 594918104 | 20,961 | 90,000 | SH | | SOLE | | 90,000 | 0 | 0 |
Nike Inc. | COM | 654106103 | 283 | 3,400 | SH | | SOLE | | 3,400 | 0 | 0 |
PepsiCo Inc. | COM | 713448108 | 12,013 | 73,580 | SH | | SOLE | | 73,580 | 0 | 0 |
Phillips 66 | COM | 718546104 | 9,345 | 115,775 | SH | | SOLE | | 115,775 | 0 | 0 |
Roche Holdings Ltd. (ADR) | COM | 771195104 | 2,126 | 52,332 | SH | | SOLE | | 52,332 | 0 | 0 |
TJX Companies Inc. | COM | 872540109 | 18,760 | 301,999 | SH | | SOLE | | 301,999 | 0 | 0 |
The Walt Disney Co. | COM | 254687106 | 3,966 | 42,049 | SH | | SOLE | | 42,049 | 0 | 0 |
Truist Financial Corp. | COM | 89832Q109 | 7,854 | 180,384 | SH | | SOLE | | 180,384 | 0 | 0 |
Union Pacific Corp. | COM | 907818108 | 14,055 | 72,145 | SH | | SOLE | | 72,145 | 0 | 0 |
UnitedHealth Group Inc. | COM | 91324P102 | 17,291 | 34,236 | SH | | SOLE | | 34,236 | 0 | 0 |
Universal Technical Institute | COM | 913915104 | 78 | 14,250 | SH | | SOLE | | 14,250 | 0 | 0 |
Visa Inc. Class A | COM | 92826C839 | 13,272 | 74,711 | SH | | SOLE | | 74,711 | 0 | 0 |
W.R. Berkley Corp. | COM | 084423102 | 16,771 | 259,690 | SH | | SOLE | | 259,690 | 0 | 0 |
iShares Core S&P Small-Cap ETF | ETF | 464287804 | 21,608 | 247,826 | SH | | SOLE | | 247,826 | 0 | 0 |
Janus Henderson Enterprise Fun | ETF | 47103D405 | 2,506 | 20,467 | SH | | SOLE | | 20,467 | 0 | 0 |
T. Rowe Price Small-Cap Value | ETF | 77957Q103 | 1,243 | 25,841 | SH | | SOLE | | 25,841 | 0 | 0 |
Vanguard Small-Cap Index Fund | ETF | 922908686 | 693 | 8,463 | SH | | SOLE | | 8,463 | 0 | 0 |
Fidelity Contrafund | ETF | 316071109 | 507 | 39,653 | SH | | SOLE | | 39,653 | 0 | 0 |
Health Care Select Sector SPDR | ETF | 81369Y209 | 358 | 2,959 | SH | | SOLE | | 2,959 | 0 | 0 |
Invesco Comstock Fund R6 | ETF | 00143M331 | 1,108 | 43,197 | SH | | SOLE | | 43,197 | 0 | 0 |
Invesco V.I. Comstock Fund VIT | ETF | 00888X773 | 548 | 18,022 | SH | | SOLE | | 18,022 | 0 | 0 |
JPMorgan Equity Income Fund I | ETF | 4812C0498 | 950 | 46,489 | SH | | SOLE | | 46,489 | 0 | 0 |
JPMorgan Equity Income Fund R6 | ETF | 46636U876 | 4,392 | 214,991 | SH | | SOLE | | 214,991 | 0 | 0 |
Principal Large-Cap Growth Fun | ETF | 74253J784 | 11,702 | 825,218 | SH | | SOLE | | 825,218 | 0 | 0 |
SPDR Portfolio S&P 500 Growth | ETF | 78464A409 | 291 | 5,800 | SH | | SOLE | | 5,800 | 0 | 0 |
SPDR Portfolio S&P 500 Value E | ETF | 78464A508 | 396 | 11,480 | SH | | SOLE | | 11,480 | 0 | 0 |
SPDR S&P 500 ETF | ETF | 78462F103 | 3,604 | 10,092 | SH | | SOLE | | 10,092 | 0 | 0 |
T. Rowe Price Blue Chip Growth | ETF | 77954T878 | 378 | 9,362 | SH | | SOLE | | 9,362 | 0 | 0 |
Vanguard 500 Index Fund Adm | ETF | 922908710 | 476 | 1,439 | SH | | SOLE | | 1,439 | 0 | 0 |
Vanguard S&P 500 ETF | ETF | 922908363 | 268 | 817 | SH | | SOLE | | 817 | 0 | 0 |
iShares S&P 500 Growth ETF | ETF | 464287309 | 952 | 16,460 | SH | | SOLE | | 16,460 | 0 | 0 |
iShares S&P 500 Index Fund | ETF | 066922204 | 1,524 | 3,626 | SH | | SOLE | | 3,626 | 0 | 0 |
iShares S&P 500 Index Investor | ETF | 066923566 | 1,054 | 2,509 | SH | | SOLE | | 2,509 | 0 | 0 |
American Funds Europacific Gro | ETF | 298706409 | 251 | 5,770 | SH | | SOLE | | 5,770 | 0 | 0 |
Invesco Developing Markets Fun | ETF | 683974505 | 1,119 | 35,315 | SH | | SOLE | | 35,315 | 0 | 0 |
T. Rowe Price Overseas Stock F | ETF | 77956H435 | 4,342 | 451,350 | SH | | SOLE | | 451,350 | 0 | 0 |
Vanguard Total Intl Stock Inde | ETF | 921909818 | 517 | 21,036 | SH | | SOLE | | 21,036 | 0 | 0 |
Lord Abbett Inflation Focused | ETF | 54400U304 | 143 | 12,449 | SH | | SOLE | | 12,449 | 0 | 0 |
Invesco Senior Loan ETF | ETF | 46138G508 | 2,611 | 129,315 | SH | | SOLE | | 129,315 | 0 | 0 |
Eaton Vance Short Dur Govt Inc | ETF | 277911160 | 88 | 11,482 | SH | | SOLE | | 11,482 | 0 | 0 |
Eaton Vance Income Fund of Bos | ETF | 277907200 | 155 | 32,648 | SH | | SOLE | | 32,648 | 0 | 0 |
FPA New Income Fund | ETF | 302544101 | 154 | 16,199 | SH | | SOLE | | 16,199 | 0 | 0 |
Vanguard Short-Term Corporate | ETF | 92206C409 | 445 | 5,995 | SH | | SOLE | | 5,995 | 0 | 0 |
Vanguard Short-Term Corporate | ETF | 921925863 | 289 | 26,481 | SH | | SOLE | | 26,481 | 0 | 0 |
Vanguard Short-Term Corporate | ETF | 921925863 | 248 | 22,556 | SH | | SOLE | | 22,556 | 0 | 0 |
Vanguard Short-Term Inv Grade | ETF | 922031836 | 4,207 | 427,586 | SH | | SOLE | | 427,586 | 0 | 0 |
Vanguard Short-Term Inv Grade | ETF | 922031406 | 184 | 18,726 | SH | | SOLE | | 18,726 | 0 | 0 |
Vanguard Ultra-Short Bond ETF | ETF | 92203C303 | 24 | 500 | SH | | SOLE | | 500 | 0 | 0 |
SPDR Gold Trust | ETF | 78463V107 | 8,988 | 58,111 | SH | | SOLE | | 58,111 | 0 | 0 |
iShares Gold Trust | ETF | 464285204 | 6,500 | 206,165 | SH | | SOLE | | 206,165 | 0 | 0 |