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
Estimated average burden
hours per response: 23.8
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
ABBOTT LABS COM 002824100 2,409 22,002 SH   SOLE   22,002 0 0
ABBVIE INC COM 00287Y109 1,829 17,070 SH   SOLE   17,070 0 0
ALPHABET INC CAP STK CL A 02079K305 1,895 1,081 SH   SOLE   1,081 0 0
ALPHABET INC CAP STK CL C 02079K107 235 134 SH   SOLE   134 0 0
ALTRIA GROUP INC COM 02209S103 255 6,222 SH   SOLE   6,222 0 0
AMAZON COM INC COM 023135106 2,062 633 SH   SOLE   633 0 0
APPLE INC COM 037833100 5,524 41,631 SH   SOLE   41,631 0 0
AQUA METALS INC COM 03837J101 78 26,000 SH   SOLE   26,000 0 0
AT&T INC COM 00206R102 972 33,780 SH   SOLE   33,780 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,578 8,955 SH   SOLE   8,955 0 0
BAXTER INTL INC COM 071813109 347 4,328 SH   SOLE   4,328 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 653 10,535 SH   SOLE   10,535 0 0
CHEVRON CORP NEW COM 166764100 1,192 14,111 SH   SOLE   14,111 0 0
CINCINNATI FINL CORP COM 172062101 658 7,535 SH   SOLE   7,535 0 0
CISCO SYS INC COM 17275R102 1,294 28,911 SH   SOLE   28,911 0 0
CLOROX CO DEL COM 189054109 582 2,880 SH   SOLE   2,880 0 0
COCA COLA CO COM 191216100 291 5,307 SH   SOLE   5,307 0 0
COLGATE PALMOLIVE CO COM 194162103 555 6,496 SH   SOLE   6,496 0 0
CORNING INC COM 219350105 216 6,000 SH   SOLE   6,000 0 0
COSTCO WHSL CORP NEW COM 22160K105 547 1,452 SH   SOLE   1,452 0 0
DISNEY WALT CO COM 254687106 1,908 10,530 SH   SOLE   10,530 0 0
DOMINION ENERGY INC COM 25746U109 261 3,474 SH   SOLE   3,474 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 633 6,909 SH   SOLE   6,909 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 342 3,750 SH   SOLE   3,750 0 0
LILLY ELI & CO COM 532457108 699 4,142 SH   SOLE   4,142 0 0
EMERSON ELEC CO COM 291011104 1,013 12,602 SH   SOLE   12,602 0 0
ESSENTIAL UTILS INC COM 29670G102 832 17,599 SH   SOLE   17,599 0 0
EXXON MOBIL CORP COM 30231G102 352 8,536 SH   SOLE   8,536 0 0
FACEBOOK INC CL A 30303M102 671 2,457 SH   SOLE   2,457 0 0
GALLAGHER ARTHUR J & CO COM 363576109 431 3,485 SH   SOLE   3,485 0 0
HOME DEPOT INC COM 437076102 1,487 5,600 SH   SOLE   5,600 0 0
HONEYWELL INTL INC COM 438516106 1,886 8,868 SH   SOLE   8,868 0 0
ILLINOIS TOOL WKS INC COM 452308109 210 1,030 SH   SOLE   1,030 0 0
INTEL CORP COM 458140100 1,437 28,841 SH   SOLE   28,841 0 0
IRHYTHM TECHNOLOGIES INC COM 450056106 270 1,140 SH   SOLE   1,140 0 0
JOHNSON & JOHNSON COM 478160104 2,816 17,892 SH   SOLE   17,892 0 0
JPMORGAN CHASE & CO COM 46625H100 916 7,212 SH   SOLE   7,212 0 0
KIMBERLY-CLARK CORP COM 494368103 1,056 7,835 SH   SOLE   7,035 0 800
KINSALE CAP GROUP INC COM 49714P108 445 2,225 SH   SOLE   2,225 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,517 4,250 SH   SOLE   4,250 0 0
MERCK & CO. INC COM 58933Y105 1,817 22,215 SH   SOLE   22,215 0 0
MICROSOFT CORP COM 594918104 3,736 16,798 SH   SOLE   16,798 0 0
MONDELEZ INTL INC CL A 609207105 734 12,545 SH   SOLE   12,545 0 0
NEXTERA ENERGY INC COM 65339F101 1,340 17,368 SH   SOLE   17,368 0 0
NIKE INC CL B 654106103 2,452 17,331 SH   SOLE   17,331 0 0
NVIDIA CORPORATION COM 67066G104 511 979 SH   SOLE   979 0 0
PAYPAL HLDGS INC COM 70450Y103 819 3,495 SH   SOLE   3,495 0 0
PEPSICO INC COM 713448108 2,325 15,679 SH   SOLE   15,679 0 0
PFIZER INC COM 717081103 747 20,281 SH   SOLE   19,075 0 1,206
PHILIP MORRIS INTL INC COM 718172109 495 5,976 SH   SOLE   5,976 0 0
PROCTER AND GAMBLE CO COM 742718109 3,943 28,338 SH   SOLE   27,238 0 1,100
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,628 22,768 SH   SOLE   22,768 0 0
RPM INTL INC COM 749685103 2,768 30,493 SH   SOLE   27,993 0 2,500
SOUTHERN CO COM 842587107 840 13,680 SH   SOLE   13,680 0 0
STRYKER CORPORATION COM 863667101 1,416 5,780 SH   SOLE   5,780 0 0
TESLA INC COM 88160R101 2,886 4,090 SH   SOLE   4,090 0 0
TEXAS INSTRS INC COM 882508104 965 5,880 SH   SOLE   5,880 0 0
UNION PAC CORP COM 907818108 380 1,825 SH   SOLE   1,825 0 0
UNITED PARCEL SERVICE INC CL B 911312106 850 5,050 SH   SOLE   5,050 0 0
US BANCORP DEL COM NEW 902973304 248 5,315 SH   SOLE   5,315 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,322 39,520 SH   SOLE   39,520 0 0
VISA INC COM CL A 92826C839 913 4,175 SH   SOLE   4,175 0 0
WASTE MGMT INC DEL COM 94106L109 1,445 12,257 SH   SOLE   12,257 0 0
3M CO COM 88579Y101 2,140 12,244 SH   SOLE   11,544 0 700
ASML HOLDING N V N Y REGISTRY SHS N07059210 358 735 SH   SOLE   735 0 0
DIAGEO PLC SPON ADR NEW 25243Q205 464 2,920 SH   SOLE   2,920 0 0
NOVARTIS AG SPONSORED ADR 66987V109 340 3,605 SH   SOLE   3,605 0 0
UNILEVER PLC SPON ADR NEW 904767704 365 6,052 SH   SOLE   6,052 0 0
AMERICAN TOWER CORP NEW COM 03027X100 323 1,440 SH   SOLE   0 0 1,440
WP CAREY INC COM 92936U109 242 3,430 SH   SOLE   0 0 3,430
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 978 3,743 SH   SOLE   3,743 0 0
ENBRIDGE INC COM 29250N105 247 7,707 SH   SOLE   7,707 0 0
LINDE PLC SHS G5494J103 622 2,362 SH   SOLE   2,362 0 0
MEDTRONIC PLC SHS G5960L103 637 5,439 SH   SOLE   5,439 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 265 3,925 SH   SOLE   0 0 3,925
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 1,169 7,270 SH   SOLE   0 0 7,270
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 249 8,450 SH   SOLE   0 0 8,450
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 1,659 6,545 SH   SOLE   0 0 6,545
ISHARES TR CORE S&P TTL STK 464287150 202 2,345 SH   SOLE   0 0 2,345
ISHARES TR S&P 100 ETF 464287101 257 1,498 SH   SOLE   0 0 1,498
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,575 17,313 SH   SOLE   0 0 17,313
SPDR SER TR SSGA GNDER ETF 78468R747 347 3,870 SH   SOLE   0 0 3,870
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,737 31,420 SH   SOLE   0 0 31,420
SPDR SER TR S&P BIOTECH 78464A870 531 3,770 SH   SOLE   0 0 3,770
SPDR S&P 500 ETF TR TR UNIT 78462F103 748 2,000 SH   SOLE   0 0 2,000
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 338 5,800 SH   SOLE   0 0 5,800
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 318 3,475 SH   SOLE   0 0 3,475
VANGUARD INDEX FDS MID CAP ETF 922908629 361 1,745 SH   SOLE   0 0 1,745
VANGUARD WORLD FDS INF TECH ETF 92204A702 991 2,800 SH   SOLE   0 0 2,800
VANGUARD INDEX FDS SMALL CP ETF 922908751 828 4,255 SH   SOLE   0 0 4,255
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,795 19,499 SH   SOLE   0 0 19,499
ISHARES TR INTRM GOV CR ETF 464288612 850 7,225 SH   SOLE   0 0 7,225
ISHARES TR ISHS 5-10YR INVT 464288638 1,158 18,745 SH   SOLE   0 0 18,745
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,136 13,700 SH   SOLE   0 0 13,700
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,602 19,240 SH   SOLE   0 0 19,240