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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M Co. COM 88579Y101 11,971 69,060 SH   SOLE NONE 69,060 0 0
Aflac Inc. COM 001055102 5,687 103,756 SH   SOLE NONE 103,756 0 0
Alphabet Inc. Class C CAP STK CL C 02079K107 8,505 7,868 SH   SOLE NONE 7,868 0 0
Amazon.com Inc. COM 023135106 9,612 5,076 SH   SOLE NONE 5,076 0 0
American Tower Corp. COM 03027X100 17,788 87,003 SH   SOLE NONE 87,003 0 0
Amgen Inc. COM 031162100 6,622 35,934 SH   SOLE NONE 35,934 0 0
Apple Inc. COM 037833100 8,523 43,063 SH   SOLE NONE 43,063 0 0
Autodesk Inc. COM 052769106 5,082 31,200 SH   SOLE NONE 31,200 0 0
Avanos Medical,Inc. COM 05350V106 320 7,328 SH   SOLE NONE 7,328 0 0
Bank of America Corp. COM 060505104 8,362 288,347 SH   SOLE NONE 288,347 0 0
Bank of New York Mellon Corp. COM 064058100 5,722 129,597 SH   SOLE NONE 129,597 0 0
Baxter International Inc. COM 071813109 4,098 50,036 SH   SOLE NONE 50,036 0 0
Black Knight Inc. COM 09215C105 1,816 30,192 SH   SOLE NONE 30,192 0 0
Boeing Co. COM 097023105 2,268 6,231 SH   SOLE NONE 6,231 0 0
Brighthouse Financial Inc. COM 10922N103 289 7,884 SH   SOLE NONE 7,884 0 0
CVS Health Corp. COM 126650100 6,079 111,570 SH   SOLE NONE 111,570 0 0
Chevron Corp. COM 166764100 302 2,517 SH   SOLE NONE 2,517 0 0
Citizens Financial Group Inc. COM 174610105 2,554 72,240 SH   SOLE NONE 72,240 0 0
Colgate-Palmolive Co. COM 194162103 4,565 63,697 SH   SOLE NONE 63,697 0 0
ConocoPhillips COM 20825C104 6,427 105,359 SH   SOLE NONE 105,359 0 0
Cummins Inc. COM 231021106 240 1,400 SH   SOLE NONE 1,400 0 0
Dominion Energy Inc. COM 25746U109 3,601 46,579 SH   SOLE NONE 46,579 0 0
Eli Lilly & Co. COM 532457108 525 4,888 SH   SOLE NONE 4,888 0 0
Exxon Mobil Corp. COM 30231G102 4,441 57,957 SH   SOLE NONE 57,957 0 0
Facebook Inc. CL A 30303M102 10,346 53,604 SH   SOLE NONE 53,604 0 0
Fidelity National Financial In FNF GROUP COM 31620R303 5,719 141,918 SH   SOLE NONE 141,918 0 0
Goldman Sachs Group Inc. COM 38141G104 6,408 31,321 SH   SOLE NONE 31,321 0 0
Home Depot Inc. COM 437076102 17,226 82,827 SH   SOLE NONE 82,827 0 0
Honeywell International Inc. COM 438516106 10,763 61,648 SH   SOLE NONE 61,648 0 0
IDEX Corp. COM 45167R104 241 1,400 SH   SOLE NONE 1,400 0 0
Johnson & Johnson COM 478160104 12,801 91,905 SH   SOLE NONE 91,905 0 0
Kontoor Brands,Inc. COM 50050N103 656 23,397 SH   SOLE NONE 23,397 0 0
Linde PLC SHS G5494J103 12,613 62,813 SH   SOLE NONE 62,813 0 0
McCormick & Co. Inc. COM NON VTG 579780206 310 2,000 SH   SOLE NONE 2,000 0 0
Medtronic PLC SHS G5960L103 14,972 153,732 SH   SOLE NONE 153,732 0 0
Merck & Co. Inc. COM 58933Y105 249 2,973 SH   SOLE NONE 2,973 0 0
Microsoft Corp. COM 594918104 18,329 136,824 SH   SOLE NONE 136,824 0 0
Nike Inc. CL B 654106103 495 5,900 SH   SOLE NONE 5,900 0 0
Pepsico Inc. COM 713448108 8,630 65,811 SH   SOLE NONE 65,811 0 0
Phillips 66 Co. COM 718546104 9,478 101,323 SH   SOLE NONE 101,323 0 0
Resideo Technologies Inc. COM 76118Y104 217 9,884 SH   SOLE NONE 9,884 0 0
TJX Companies Inc. COM 872540109 14,504 274,274 SH   SOLE NONE 274,274 0 0
The Walt Disney Co. COM DISNEY 254687106 4,754 34,045 SH   SOLE NONE 34,045 0 0
Union Pacific Corp. COM 907818108 7,352 43,472 SH   SOLE NONE 43,472 0 0
UnitedHealth Group Inc. COM 91324P102 7,889 32,330 SH   SOLE NONE 32,330 0 0
VF Corp. COM 918204108 14,469 165,642 SH   SOLE NONE 165,642 0 0
Visa Inc. Class A COM CL A 92826C839 14,898 85,844 SH   SOLE NONE 85,844 0 0
W.R. Berkley Corp. COM 084423102 9,783 148,380 SH   SOLE NONE 148,380 0 0
Vanguard FTSE Developed Market FTSE DEV MKT ETF 921943858 30,965 742,395 SH   SOLE NONE 742,395 0 0
Vanguard FTSE Emerging Markets FTSE EMR MKT ETF 922042858 11,354 266,976 SH   SOLE NONE 266,976 0 0
iShares Core S&P Small Cap ETF CORE S&P SCP ETF 464287804 16,670 212,951 SH   SOLE NONE 212,951 0 0
iShares S&P Mid Cap 400 Growth S&P MC 400GR ETF 464287606 213 940 SH   SOLE NONE 940 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 3,429 11,853 SH   SOLE NONE 11,853 0 0
iShares S&P 500 Growth Index E S&P 500 GRWT ETF 464287309 771 4,300 SH   SOLE NONE 4,300 0 0
SPDR Gold Trust GOLD SHS 78463V107 8,419 63,204 SH   SOLE NONE 63,204 0 0
iShares Gold Trust ISHARES 464285105 4,202 311,240 SH   SOLE NONE 311,240 0 0