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 3,567 30,199 SH   SOLE   0 0 30,199
ABBVIE INC COM 00287Y109 2,697 25,005 SH   SOLE   0 0 25,005
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,696 11,554 SH   SOLE   0 0 11,554
ADVANCE AUTO PARTS INC COM 00751Y106 3,643 17,440 SH   SOLE   0 0 17,440
AFLAC INC COM 001055102 352 6,756 SH   SOLE   0 0 6,756
ALPHABET INC CAP STK CL A 02079K305 9,962 3,726 SH   SOLE   0 0 3,726
ALPHABET INC CAP STK CL C 02079K107 1,927 723 SH   SOLE   0 0 723
AMAZON COM INC COM 023135106 772 235 SH   SOLE   0 0 235
AMERICAN FINL GROUP INC OHIO COM 025932104 1,593 12,662 SH   SOLE   0 0 12,662
APPLE INC COM 037833100 13,735 97,069 SH   SOLE   0 0 97,069
AT&T INC COM 00206R102 1,910 70,716 SH   SOLE   0 0 70,716
AUTOMATIC DATA PROCESSING IN COM 053015103 2,861 14,312 SH   SOLE   0 0 14,312
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,585 13,136 SH   SOLE   0 0 13,136
BIOLIFE SOLUTIONS INC COM NEW 09062W204 297 7,022 SH   SOLE   0 0 7,022
BOEING CO COM 097023105 1,616 7,346 SH   SOLE   0 0 7,346
BROADCOM INC COM 11135F101 3,725 7,682 SH   SOLE   0 0 7,682
CHEVRON CORP NEW COM 166764100 387 3,816 SH   SOLE   0 0 3,816
CINCINNATI FINL CORP COM 172062101 576 5,040 SH   SOLE   0 0 5,040
CISCO SYS INC COM 17275R102 387 7,108 SH   SOLE   0 0 7,108
CITIZENS FINL GROUP INC COM 174610105 3,548 75,529 SH   SOLE   0 0 75,529
COMCAST CORP NEW CL A 20030N101 4,766 85,215 SH   SOLE   0 0 85,215
CROWN CASTLE INTL CORP NEW COM 22822V101 2,922 16,856 SH   SOLE   0 0 16,856
CVS HEALTH CORP COM 126650100 4,455 52,497 SH   SOLE   0 0 52,497
DIAGEO PLC SPON ADR NEW 25243Q205 3,092 16,021 SH   SOLE   0 0 16,021
DISNEY WALT CO COM 254687106 3,409 20,154 SH   SOLE   0 0 20,154
DOMINION ENERGY INC COM 25746U109 1,631 22,337 SH   SOLE   0 0 22,337
DOW INC COM 260557103 2,441 42,402 SH   SOLE   0 0 42,402
EATON CORP PLC SHS G29183103 315 2,110 SH   SOLE   0 0 2,110
EXXON MOBIL CORP COM 30231G102 314 5,333 SH   SOLE   0 0 5,333
GOLD TR ISHARES NEW 464285204 508 15,202 SH   SOLE   0 0 15,202
HARTFORD FINL SVCS GROUP INC COM 416515104 262 3,734 SH   SOLE   0 0 3,734
HOME DEPOT INC COM 437076102 3,854 11,740 SH   SOLE   0 0 11,740
ILLINOIS TOOL WKS INC COM 452308109 3,049 14,756 SH   SOLE   0 0 14,756
INTEL CORP COM 458140100 438 8,218 SH   SOLE   0 0 8,218
INTUIT COM 461202103 432 800 SH   SOLE   0 0 800
INVESCO LTD SHS G491BT108 2,277 94,434 SH   SOLE   0 0 94,434
INVESCO QQQ TR UNIT SER 1 46090E103 224 625 SH   SOLE   0 0 625
ISHARES INC CORE MSCI EMKT 46434G103 364 5,900 SH   SOLE   0 0 5,900
ISHARES TR CORE S&P MCP ETF 464287507 18,054 68,630 SH   SOLE   0 0 68,630
ISHARES TR CORE S&P500 ETF 464287200 1,089 2,528 SH   SOLE   0 0 2,528
ISHARES TR ISHS 1-5YR INVS 464288646 447 8,190 SH   SOLE   0 0 8,190
ISHARES TR CORE S&P SCP ETF 464287804 435 3,988 SH   SOLE   0 0 3,988
ISHARES TR MSCI EAFE ETF 464287465 393 5,035 SH   SOLE   0 0 5,035
ISHARES TR RUSSELL 2000 ETF 464287655 275 1,257 SH   SOLE   0 0 1,257
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 12,127 239,105 SH   SOLE   0 0 239,105
JOHNSON & JOHNSON COM 478160104 2,902 17,968 SH   SOLE   0 0 17,968
JPMORGAN CHASE & CO COM 46625H100 5,391 32,932 SH   SOLE   0 0 32,932
LOWES COS INC COM 548661107 305 1,502 SH   SOLE   0 0 1,502
MASTERCARD INCORPORATED CL A 57636Q104 232 666 SH   SOLE   0 0 666
MDU RES GROUP INC COM 552690109 297 10,000 SH   SOLE   0 0 10,000
MERCK & CO INC COM 58933Y105 2,795 37,208 SH   SOLE   0 0 37,208
MICROSOFT CORP COM 594918104 10,351 36,716 SH   SOLE   0 0 36,716
NETFLIX INC COM 64110L106 339 555 SH   SOLE   0 0 555
NEXTERA ENERGY INC COM 65339F101 303 3,860 SH   SOLE   0 0 3,860
NORFOLK SOUTHN CORP COM 655844108 463 1,935 SH   SOLE   0 0 1,935
NORTHROP GRUMMAN CORP COM 666807102 2,485 6,900 SH   SOLE   0 0 6,900
PAYPAL HLDGS INC COM 70450Y103 3,959 15,216 SH   SOLE   0 0 15,216
PEPSICO INC COM 713448108 693 4,604 SH   SOLE   0 0 4,604
PFIZER INC COM 717081103 306 7,124 SH   SOLE   0 0 7,124
PROCTER AND GAMBLE CO COM 742718109 3,806 27,227 SH   SOLE   0 0 27,227
QUALCOMM INC COM 747525103 4,721 36,602 SH   SOLE   0 0 36,602
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,369 27,562 SH   SOLE   0 0 27,562
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 1,750 39,254 SH   SOLE   0 0 39,254
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,375 61,380 SH   SOLE   0 0 61,380
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,348 56,558 SH   SOLE   0 0 56,558
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 789 20,377 SH   SOLE   0 0 20,377
SPDR S&P 500 ETF TR TR UNIT 78462F103 739 1,722 SH   SOLE   0 0 1,722
SYNCHRONY FINANCIAL COM 87165B103 2,185 44,705 SH   SOLE   0 0 44,705
SYSCO CORP COM 871829107 2,678 34,112 SH   SOLE   0 0 34,112
TARGET CORP COM 87612E106 3,799 16,606 SH   SOLE   0 0 16,606
THERMO FISHER SCIENTIFIC INC COM 883556102 4,211 7,370 SH   SOLE   0 0 7,370
THOMSON REUTERS CORP. COM NEW 884903709 231 2,088 SH   SOLE   0 0 2,088
TJX COS INC NEW COM 872540109 2,863 43,396 SH   SOLE   0 0 43,396
TRANE TECHNOLOGIES PLC SHS G8994E103 4,295 24,878 SH   SOLE   0 0 24,878
TYSON FOODS INC CL A 902494103 2,152 27,261 SH   SOLE   0 0 27,261
UNITED PARCEL SERVICE INC CL B 911312106 4,154 22,811 SH   SOLE   0 0 22,811
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 961 2,437 SH   SOLE   0 0 2,437
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 352 3,462 SH   SOLE   0 0 3,462
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 789 15,780 SH   SOLE   0 0 15,780
VERIZON COMMUNICATIONS INC COM 92343V104 3,637 67,343 SH   SOLE   0 0 67,343
VISA INC COM CL A 92826C839 2,161 9,700 SH   SOLE   0 0 9,700
WALMART INC COM 931142103 3,578 25,671 SH   SOLE   0 0 25,671
WASTE MGMT INC DEL COM 94106L109 329 2,200 SH   SOLE   0 0 2,200
WILLIAMS COS INC COM 969457100 3,522 135,794 SH   SOLE   0 0 135,794
WP CAREY INC COM 92936U109 1,767 24,197 SH   SOLE   0 0 24,197
ZIMMER BIOMET HOLDINGS INC COM 98956P102 305 2,083 SH   SOLE   0 0 2,083