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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 |
3M Co. | COM | 88579Y101 | 4,025 | 31,105 | SH | | SOLE | | 31,105 | 0 | 0 |
Aflac Inc. | COM | 001055102 | 3,592 | 64,912 | SH | | SOLE | | 64,912 | 0 | 0 |
Alphabet Inc. Class C | COM | 02079K107 | 7,899 | 3,611 | SH | | SOLE | | 3,611 | 0 | 0 |
Amazon.com Inc. | COM | 023135106 | 8,954 | 84,300 | SH | | SOLE | | 84,300 | 0 | 0 |
American Tower Corp. | COM | 03027X100 | 16,050 | 62,795 | SH | | SOLE | | 62,795 | 0 | 0 |
Amgen Inc. | COM | 031162100 | 9,207 | 37,841 | SH | | SOLE | | 37,841 | 0 | 0 |
Apple Inc. | COM | 037833100 | 17,108 | 125,135 | SH | | SOLE | | 125,135 | 0 | 0 |
BP PLC (ADR) | COM | 055622104 | 7,260 | 256,074 | SH | | SOLE | | 256,074 | 0 | 0 |
Bank of America Corp. | COM | 060505104 | 10,486 | 336,846 | SH | | SOLE | | 336,846 | 0 | 0 |
Berkshire Hathaway Inc. Class | COM | 084670702 | 202 | 740 | SH | | SOLE | | 740 | 0 | 0 |
Black Knight Inc. | COM | 09215C105 | 647 | 9,888 | SH | | SOLE | | 9,888 | 0 | 0 |
Boeing Co. | COM | 097023105 | 831 | 6,075 | SH | | SOLE | | 6,075 | 0 | 0 |
CVS Health Corp. | COM | 126650100 | 10,848 | 117,078 | SH | | SOLE | | 117,078 | 0 | 0 |
Canadian Natural Resources Ltd | COM | 136385101 | 333 | 6,200 | SH | | SOLE | | 6,200 | 0 | 0 |
Chevron Corp. | COM | 166764100 | 12 | 90 | SH | | SOLE | | 90 | 0 | 0 |
Colgate-Palmolive Co. | COM | 194162103 | 5,530 | 69,003 | SH | | SOLE | | 69,003 | 0 | 0 |
Cummins Inc. | COM | 231021106 | 316 | 1,632 | SH | | SOLE | | 1,632 | 0 | 0 |
Dominion Energy Inc. | COM | 25746U109 | 4,228 | 52,978 | SH | | SOLE | | 52,978 | 0 | 0 |
Eli Lilly & Co. | COM | 532457108 | 2,213 | 5,448 | SH | | SOLE | | 5,448 | 0 | 0 |
Exxon Mobil Corp. | COM | 30231G102 | 6,503 | 75,934 | SH | | SOLE | | 75,934 | 0 | 0 |
Goldman Sachs Group Inc. | COM | 38141G104 | 9,427 | 31,737 | SH | | SOLE | | 31,737 | 0 | 0 |
Home Depot Inc. | COM | 437076102 | 8,885 | 32,395 | SH | | SOLE | | 32,395 | 0 | 0 |
Honeywell International Inc. | COM | 438516106 | 13,491 | 77,618 | SH | | SOLE | | 77,618 | 0 | 0 |
IDEX Corp. | COM | 45167R104 | 254 | 1,400 | SH | | SOLE | | 1,400 | 0 | 0 |
Johnson & Johnson | COM | 478160104 | 18,957 | 106,795 | SH | | SOLE | | 106,795 | 0 | 0 |
Linde PLC | COM | G5494J103 | 18,689 | 64,999 | SH | | SOLE | | 64,999 | 0 | 0 |
Lowe's Companies Inc. | COM | 548661107 | 7,483 | 42,840 | SH | | SOLE | | 42,840 | 0 | 0 |
McCormick & Co. Inc. | COM | 579780206 | 333 | 4,000 | SH | | SOLE | | 4,000 | 0 | 0 |
Medtronic PLC | COM | G5960l103 | 15,562 | 173,395 | SH | | SOLE | | 173,395 | 0 | 0 |
Merck & Co. Inc. | COM | 58933Y105 | 254 | 2,786 | SH | | SOLE | | 2,786 | 0 | 0 |
Meta Platforms Inc. (Facebook | COM | 30303M102 | 4,760 | 29,517 | SH | | SOLE | | 29,517 | 0 | 0 |
Microsoft Corp. | COM | 594918104 | 23,030 | 89,671 | SH | | SOLE | | 89,671 | 0 | 0 |
Nike Inc. | COM | 654106103 | 347 | 3,400 | SH | | SOLE | | 3,400 | 0 | 0 |
Nvidia Corp. | COM | 67066G104 | 227 | 1,500 | SH | | SOLE | | 1,500 | 0 | 0 |
PepsiCo Inc. | COM | 713448108 | 12,173 | 73,043 | SH | | SOLE | | 73,043 | 0 | 0 |
Phillips 66 | COM | 718546104 | 9,442 | 115,160 | SH | | SOLE | | 115,160 | 0 | 0 |
Roche Holdings Ltd. (ADR) | COM | 771195104 | 2,227 | 53,392 | SH | | SOLE | | 53,392 | 0 | 0 |
TJX Companies Inc. | COM | 872540109 | 16,806 | 300,909 | SH | | SOLE | | 300,909 | 0 | 0 |
The Walt Disney Co. | COM | 254687106 | 3,933 | 41,662 | SH | | SOLE | | 41,662 | 0 | 0 |
Truist Financial Corp. | COM | 89832Q109 | 8,542 | 180,099 | SH | | SOLE | | 180,099 | 0 | 0 |
Union Pacific Corp. | COM | 907818108 | 15,307 | 71,769 | SH | | SOLE | | 71,769 | 0 | 0 |
UnitedHealth Group Inc. | COM | 91324P102 | 17,483 | 34,039 | SH | | SOLE | | 34,039 | 0 | 0 |
Universal Technical Institute | COM | 913915104 | 102 | 14,250 | SH | | SOLE | | 14,250 | 0 | 0 |
Visa Inc. Class A | COM | 92826C839 | 14,683 | 74,577 | SH | | SOLE | | 74,577 | 0 | 0 |
W.R. Berkley Corp. | COM | 084423102 | 17,530 | 256,808 | SH | | SOLE | | 256,808 | 0 | 0 |
Vanguard FTSE Developed Market | ETF | 921943858 | 34,331 | 841,441 | SH | | SOLE | | 841,441 | 0 | 0 |
Vanguard FTSE Emerging Markets | ETF | 922042858 | 11,424 | 274,283 | SH | | SOLE | | 274,283 | 0 | 0 |
iShares Core S&P Small-Cap ETF | ETF | 464287804 | 22,810 | 246,830 | SH | | SOLE | | 246,830 | 0 | 0 |
Janus Henderson Enterprise Fun | ETF | 47103D405 | 2,691 | 21,099 | SH | | SOLE | | 21,099 | 0 | 0 |
T. Rowe Price Small-Cap Value | ETF | 77957Q103 | 1,289 | 25,984 | SH | | SOLE | | 25,984 | 0 | 0 |
Vanguard Small-Cap Index Fund | ETF | 922908686 | 665 | 7,883 | SH | | SOLE | | 7,883 | 0 | 0 |
Fidelity Contrafund | ETF | 316071109 | 527 | 39,653 | SH | | SOLE | | 39,653 | 0 | 0 |
Health Care Select Sector SPDR | ETF | 81369Y209 | 372 | 2,900 | SH | | SOLE | | 2,900 | 0 | 0 |
Invesco Comstock Fund R6 | ETF | 00143M331 | 1,152 | 42,393 | SH | | SOLE | | 42,393 | 0 | 0 |
Invesco V.I. Comstock Fund VIT | ETF | 00888X773 | 578 | 18,042 | SH | | SOLE | | 18,042 | 0 | 0 |
JPMorgan Equity Income Fund I | ETF | 4812C0498 | 1,003 | 46,504 | SH | | SOLE | | 46,504 | 0 | 0 |
JPMorgan Equity Income Fund R6 | ETF | 46636U876 | 4,672 | 216,699 | SH | | SOLE | | 216,699 | 0 | 0 |
Principal Large-Cap Growth Fun | ETF | 74253J784 | 12,629 | 840,823 | SH | | SOLE | | 840,823 | 0 | 0 |
SPDR Portfolio S&P 500 Growth | ETF | 78464A409 | 422 | 8,070 | SH | | SOLE | | 8,070 | 0 | 0 |
SPDR Portfolio S&P 500 Value E | ETF | 78464A508 | 493 | 13,390 | SH | | SOLE | | 13,390 | 0 | 0 |
SPDR S&P 500 ETF | ETF | 78462F103 | 4,935 | 13,077 | SH | | SOLE | | 13,077 | 0 | 0 |
Schwab S&P 500 Index Fund | ETF | 808509855 | 269 | 4,606 | SH | | SOLE | | 4,606 | 0 | 0 |
T. Rowe Price Blue Chip Growth | ETF | 77954T878 | 397 | 9,372 | SH | | SOLE | | 9,372 | 0 | 0 |
Vanguard 500 Index Fund Adm | ETF | 922908710 | 503 | 1,439 | SH | | SOLE | | 1,439 | 0 | 0 |
iShares S&P 500 Growth ETF | ETF | 464287309 | 993 | 16,460 | SH | | SOLE | | 16,460 | 0 | 0 |
iShares S&P 500 Index Fund | ETF | 066922204 | 1,514 | 3,400 | SH | | SOLE | | 3,400 | 0 | 0 |
American Funds Europacific Gro | ETF | 298706409 | 277 | 5,770 | SH | | SOLE | | 5,770 | 0 | 0 |
Invesco Developing Markets Fun | ETF | 683974505 | 1,244 | 35,420 | SH | | SOLE | | 35,420 | 0 | 0 |
T. Rowe Price Overseas Stock F | ETF | 77956H435 | 4,792 | 447,408 | SH | | SOLE | | 447,408 | 0 | 0 |
Vanguard Total Intl Stock Inde | ETF | 921909818 | 538 | 19,458 | SH | | SOLE | | 19,458 | 0 | 0 |
Lord Abbett Inflation Focused | ETF | 54400U304 | 147 | 12,449 | SH | | SOLE | | 12,449 | 0 | 0 |
Invesco Senior Loan ETF | ETF | 46138G508 | 2,668 | 131,625 | SH | | SOLE | | 131,625 | 0 | 0 |
Eaton Vance Short Dur Govt Inc | ETF | 277911160 | 115 | 14,683 | SH | | SOLE | | 14,683 | 0 | 0 |
Brandywine Global Corporate Cr | ETF | 52472t775 | 190 | 19,411 | SH | | SOLE | | 19,411 | 0 | 0 |
Eaton Vance Income Fund of Bos | ETF | 277907200 | 158 | 32,688 | SH | | SOLE | | 32,688 | 0 | 0 |
FPA New Income Fund | ETF | 302544101 | 157 | 16,256 | SH | | SOLE | | 16,256 | 0 | 0 |
Vanguard Short-Term Corporate | ETF | 92206C409 | 530 | 6,945 | SH | | SOLE | | 6,945 | 0 | 0 |
Vanguard Short-Term Corporate | ETF | 921925863 | 295 | 26,511 | SH | | SOLE | | 26,511 | 0 | 0 |
Vanguard Short-Term Corporate | ETF | 921925863 | 253 | 22,580 | SH | | SOLE | | 22,580 | 0 | 0 |
Vanguard Short-Term Inv Grade | ETF | 922031836 | 4,364 | 432,919 | SH | | SOLE | | 432,919 | 0 | 0 |
Vanguard Short-Term Inv Grade | ETF | 922031406 | 188 | 18,637 | SH | | SOLE | | 18,637 | 0 | 0 |
SPDR Gold Trust | ETF | 78463V107 | 9,882 | 58,658 | SH | | SOLE | | 58,658 | 0 | 0 |
iShares Gold Trust | ETF | 464285204 | 6,966 | 203,077 | SH | | SOLE | | 203,077 | 0 | 0 |
Vanguard Ultra Short Bond ETF | ETF | 92203C303 | 34 | 710 | SH | | SOLE | | 710 | 0 | 0 |