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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 | 4,784 | 62,336 | SH | | SOLE | | 62,336 | 0 | 0 |
Alphabet Inc. Class C | COM | 02079K107 | 9,912 | 75,176 | SH | | SOLE | | 75,176 | 0 | 0 |
Amazon.com Inc. | COM | 023135106 | 10,573 | 83,174 | SH | | SOLE | | 83,174 | 0 | 0 |
American Tower Corp. | COM | 03027X100 | 10,711 | 65,130 | SH | | SOLE | | 65,130 | 0 | 0 |
Amgen Inc. | COM | 031162100 | 10,613 | 39,489 | SH | | SOLE | | 39,489 | 0 | 0 |
Apple Inc. | COM | 037833100 | 21,388 | 124,922 | SH | | SOLE | | 124,922 | 0 | 0 |
BP PLC (ADR) | COM | 055622104 | 10,252 | 264,775 | SH | | SOLE | | 264,775 | 0 | 0 |
Bank of America Corp. | COM | 060505104 | 11,397 | 416,239 | SH | | SOLE | | 416,239 | 0 | 0 |
Berkshire Hathaway Inc. Class | COM | 084670702 | 368 | 1,050 | SH | | SOLE | | 1,050 | 0 | 0 |
Boeing Co. | COM | 097023105 | 1,098 | 5,730 | SH | | SOLE | | 5,730 | 0 | 0 |
CVS Health Corp. | COM | 126650100 | 8,424 | 120,646 | SH | | SOLE | | 120,646 | 0 | 0 |
Canadian Natural Resources Ltd | COM | 136385101 | 401 | 6,200 | SH | | SOLE | | 6,200 | 0 | 0 |
Cheniere Energy Partners LP | COM | 16411Q101 | 226 | 4,166 | SH | | SOLE | | 4,166 | 0 | 0 |
Colgate-Palmolive Co. | COM | 194162103 | 5,016 | 70,545 | SH | | SOLE | | 70,545 | 0 | 0 |
Cummins Inc. | COM | 231021106 | 320 | 1,400 | SH | | SOLE | | 1,400 | 0 | 0 |
Dominion Energy Inc. | COM | 25746U109 | 2,515 | 56,303 | SH | | SOLE | | 56,303 | 0 | 0 |
Eli Lilly & Co. | COM | 532457108 | 2,567 | 4,779 | SH | | SOLE | | 4,779 | 0 | 0 |
Exxon Mobil Corp. | COM | 30231G102 | 9,637 | 81,958 | SH | | SOLE | | 81,958 | 0 | 0 |
FS Energy and Power Fund | COM | 30264D109 | 54 | 14,650 | SH | | SOLE | | 14,650 | 0 | 0 |
Goldman Sachs Group Inc. | COM | 38141G104 | 10,675 | 32,990 | SH | | SOLE | | 32,990 | 0 | 0 |
Home Depot Inc. | COM | 437076102 | 9,901 | 32,767 | SH | | SOLE | | 32,767 | 0 | 0 |
Honeywell International Inc. | COM | 438516106 | 14,566 | 78,847 | SH | | SOLE | | 78,847 | 0 | 0 |
IDEX Corp. | COM | 45167R104 | 291 | 1,400 | SH | | SOLE | | 1,400 | 0 | 0 |
JPMorgan Chase & Co. | COM | 46625H100 | 588 | 4,054 | SH | | SOLE | | 4,054 | 0 | 0 |
Johnson & Johnson | COM | 478160104 | 12,924 | 82,980 | SH | | SOLE | | 82,980 | 0 | 0 |
Kenvue Inc. | COM | 49177J102 | 4,538 | 225,995 | SH | | SOLE | | 225,995 | 0 | 0 |
Linde PLC | COM | G54950103 | 25,181 | 67,628 | SH | | SOLE | | 67,628 | 0 | 0 |
Lowe's Companies Inc. | COM | 548661107 | 9,174 | 44,140 | SH | | SOLE | | 44,140 | 0 | 0 |
McCormick & Co. Inc. | COM | 579780206 | 303 | 4,000 | SH | | SOLE | | 4,000 | 0 | 0 |
Medtronic PLC | COM | G5960l103 | 13,971 | 178,294 | SH | | SOLE | | 178,294 | 0 | 0 |
Merck & Co. Inc. | COM | 58933Y105 | 253 | 2,456 | SH | | SOLE | | 2,456 | 0 | 0 |
Meta Platforms Inc. | COM | 30303M102 | 8,951 | 29,817 | SH | | SOLE | | 29,817 | 0 | 0 |
Microsoft Corp. | COM | 594918104 | 28,807 | 91,235 | SH | | SOLE | | 91,235 | 0 | 0 |
NVIDIA Corp. | COM | 67066G104 | 751 | 1,727 | SH | | SOLE | | 1,727 | 0 | 0 |
Nike Inc. | COM | 654106103 | 325 | 3,400 | SH | | SOLE | | 3,400 | 0 | 0 |
Palo Alto Networks Inc. | COM | 697435105 | 7,564 | 32,266 | SH | | SOLE | | 32,266 | 0 | 0 |
PepsiCo Inc. | COM | 713448108 | 13,276 | 78,350 | SH | | SOLE | | 78,350 | 0 | 0 |
Phillips 66 | COM | 718546104 | 14,887 | 123,902 | SH | | SOLE | | 123,902 | 0 | 0 |
Roche Holdings Ltd. (ADR) | COM | 771195104 | 1,703 | 50,182 | SH | | SOLE | | 50,182 | 0 | 0 |
TJX Companies Inc. | COM | 872540109 | 27,946 | 314,421 | SH | | SOLE | | 314,421 | 0 | 0 |
The Walt Disney Co. | COM | 254687106 | 3,603 | 44,448 | SH | | SOLE | | 44,448 | 0 | 0 |
Union Pacific Corp. | COM | 907818108 | 15,204 | 74,664 | SH | | SOLE | | 74,664 | 0 | 0 |
UnitedHealth Group Inc. | COM | 91324P102 | 17,530 | 34,769 | SH | | SOLE | | 34,769 | 0 | 0 |
Visa Inc. Class A | COM | 92826C839 | 17,516 | 76,153 | SH | | SOLE | | 76,153 | 0 | 0 |
W.R. Berkley Corp. | COM | 084423102 | 16,547 | 260,628 | SH | | SOLE | | 260,628 | 0 | 0 |
Avantis U.S. Small-Cap Value E | ETF | 025072877 | 11,313 | 145,128 | SH | | SOLE | | 145,128 | 0 | 0 |
Vanguard FTSE Developed Market | ETF | 921943858 | 39,043 | 893,017 | SH | | SOLE | | 893,017 | 0 | 0 |
iShares Core S&P Small-Cap ETF | ETF | 464287804 | 24,796 | 262,869 | SH | | SOLE | | 262,869 | 0 | 0 |
iShares MSCI Emerging Market e | ETF | 46434g764 | 10,833 | 217,400 | SH | | SOLE | | 217,400 | 0 | 0 |
Janus Henderson Enterprise Fun | ETF | 47103D405 | 2,170 | 16,544 | SH | | SOLE | | 16,544 | 0 | 0 |
T. Rowe Price Small-Cap Value | ETF | 77957Q103 | 1,302 | 27,405 | SH | | SOLE | | 27,405 | 0 | 0 |
T. Rowe Price Small-Cap Value | ETF | 77957Q301 | 272 | 5,726 | SH | | SOLE | | 5,726 | 0 | 0 |
Vanguard Small-Cap Index Fund | ETF | 922908686 | 995 | 10,990 | SH | | SOLE | | 10,990 | 0 | 0 |
Fidelity Advisor Utilities Fun | ETF | 315918748 | 291 | 8,679 | SH | | SOLE | | 8,679 | 0 | 0 |
Fidelity Contrafund | ETF | 316071109 | 591 | 39,653 | SH | | SOLE | | 39,653 | 0 | 0 |
Health Care Select Sector SPDR | ETF | 81369Y209 | 314 | 2,440 | SH | | SOLE | | 2,440 | 0 | 0 |
Invesco Comstock Fund R6 | ETF | 00143M331 | 1,326 | 49,017 | SH | | SOLE | | 49,017 | 0 | 0 |
Invesco V.I. Comstock Fund VIT | ETF | 00888X773 | 505 | 13,897 | SH | | SOLE | | 13,897 | 0 | 0 |
JPMorgan Equity Income Fund I | ETF | 4812C0498 | 892 | 41,583 | SH | | SOLE | | 41,583 | 0 | 0 |
JPMorgan Equity Income Fund R6 | ETF | 46636U876 | 4,549 | 211,988 | SH | | SOLE | | 211,988 | 0 | 0 |
Principal Large-Cap Growth Fun | ETF | 74253J784 | 12,916 | 800,772 | SH | | SOLE | | 800,772 | 0 | 0 |
SPDR Portfolio S&P 500 Growth | ETF | 78464A409 | 524 | 8,845 | SH | | SOLE | | 8,845 | 0 | 0 |
SPDR Portfolio S&P 500 Value E | ETF | 78464A508 | 625 | 15,145 | SH | | SOLE | | 15,145 | 0 | 0 |
SPDR S&P 500 ETF | ETF | 78462F103 | 3,154 | 7,378 | SH | | SOLE | | 7,378 | 0 | 0 |
Schwab S&P 500 Index Fund | ETF | 808509855 | 297 | 4,469 | SH | | SOLE | | 4,469 | 0 | 0 |
T. Rowe Price Blue Chip Growth | ETF | 77954T878 | 486 | 9,376 | SH | | SOLE | | 9,376 | 0 | 0 |
T. Rowe Price Dividend Growth | ETF | 779546308 | 324 | 4,946 | SH | | SOLE | | 4,946 | 0 | 0 |
Vanguard 500 Index Fund Adm | ETF | 922908710 | 458 | 1,158 | SH | | SOLE | | 1,158 | 0 | 0 |
iShares S&P 500 Growth ETF | ETF | 464287309 | 1,056 | 15,430 | SH | | SOLE | | 15,430 | 0 | 0 |
iShares S&P 500 Index Fund K | ETF | 066922204 | 3,711 | 7,382 | SH | | SOLE | | 7,382 | 0 | 0 |
American Funds Europacific Gro | ETF | 298706409 | 308 | 6,044 | SH | | SOLE | | 6,044 | 0 | 0 |
Invesco Developing Markets Fun | ETF | 683974505 | 1,270 | 34,894 | SH | | SOLE | | 34,894 | 0 | 0 |
T. Rowe Price Overseas Stock F | ETF | 77956H435 | 3,951 | 340,038 | SH | | SOLE | | 340,038 | 0 | 0 |
Vanguard Total Intl Stock Inde | ETF | 921909818 | 716 | 24,901 | SH | | SOLE | | 24,901 | 0 | 0 |
American Century Muni Bond Fun | ETF | 024934846 | 277 | 26,966 | SH | | SOLE | | 26,966 | 0 | 0 |
Eaton Vance Income Fund of Bos | ETF | 277907200 | 175 | 35,514 | SH | | SOLE | | 35,514 | 0 | 0 |
Vanguard Short-Term Corporate | ETF | 92206C409 | 680 | 9,045 | SH | | SOLE | | 9,045 | 0 | 0 |
Vanguard Short-Term Corporate | ETF | 921925863 | 169 | 15,021 | SH | | SOLE | | 15,021 | 0 | 0 |
Vanguard Short-Term Inv Grade | ETF | 922031836 | 4,032 | 406,088 | SH | | SOLE | | 406,088 | 0 | 0 |
Vanguard Short-Term Inv Grade | ETF | 922031406 | 182 | 18,311 | SH | | SOLE | | 18,311 | 0 | 0 |
SPDR Gold Trust | ETF | 78463V107 | 9,639 | 56,223 | SH | | SOLE | | 56,223 | 0 | 0 |
iShares Gold Trust | ETF | 464285204 | 8,342 | 238,404 | SH | | SOLE | | 238,404 | 0 | 0 |