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
3M COMPANY COM 88579Y101 20,113 147,340 SH   SOLE   141,470 0 5,870
ABBOTT LABORATORIES COM 002824100 34,385 435,748 SH   SOLE   419,736 0 16,012
ABBVIE INC COM 00287y109 21,782 285,885 SH   SOLE   274,055 0 11,830
ACCENTURE PLC-CL A COM g1151c101 263 1,613 SH   SOLE   1,593 0 20
AFFILIATED MANAGERS GROUP INC COM 008252108 248 4,197 SH   SOLE   4,197 0 0
AFLAC INC COM 001055102 17,287 504,880 SH   SOLE   483,655 0 21,225
ALERIAN MLP ETF COM 00162q866 978 284,236 SH   SOLE   272,786 0 11,450
ALLIANT ENERGY CORP COM 018802108 26,575 550,328 SH   SOLE   527,713 0 22,615
ALLSTATE CORP COM 020002101 21,451 233,849 SH   SOLE   225,100 0 8,749
ALPHABET INC CL A COM 02079k305 328 282 SH   SOLE   282 0 0
ALPHABET INC CL C COM 02079k107 292 251 SH   SOLE   246 0 5
ALTRIA GROUP INC COM 02209S103 229 5,909 SH   SOLE   5,909 0 0
AMAZON.COM INC COM 023135106 581 298 SH   SOLE   298 0 0
AMEREN CORPORATION COM 023608102 600 8,242 SH   SOLE   7,767 0 475
AMERICAN ELECTRIC POWER COM 025537101 26,932 336,729 SH   SOLE   323,509 0 13,220
AMERICAN EXPRESS CO COM 025816109 20,973 244,980 SH   SOLE   235,905 0 9,075
AMGEN INC COM 031162100 34,201 168,702 SH   SOLE   162,670 0 6,032
ANTS SOFTWARE INC COM 037271103 0 46,666 SH   SOLE   46,666 0 0
APPLE INC COM 037833100 2,762 10,862 SH   SOLE   10,519 0 343
AT&T INC COM 00206R102 37,042 1,270,740 SH   SOLE   1,223,646 0 47,094
AUTOMATIC DATA PROCESSING COM 053015103 473 3,462 SH   SOLE   3,442 0 20
BANK OF AMERICA CORP COM 060505104 439 20,676 SH   SOLE   20,676 0 0
BANK OF NEW YORK MELLON CORP COM 064058100 14,791 439,148 SH   SOLE   421,538 0 17,610
BAXTER INTERNATIONAL INC COM 071813109 636 7,829 SH   SOLE   7,829 0 0
BECTON DICKINSON & CO COM 075887109 333 1,451 SH   SOLE   1,451 0 0
BERKSHIRE HATHAWAY CL A COM 084670108 544 2 SH   SOLE   2 0 0
BERKSHIRE HATHAWAY CL B COM 084670702 1,054 5,767 SH   SOLE   5,620 0 147
BLACKROCK INC COM 09247x101 22,797 51,815 SH   SOLE   50,449 0 1,366
BOEING CO COM 097023105 2,487 16,674 SH   SOLE   16,674 0 0
BP PLC-SPONS ADR COM 055622104 15,568 638,293 SH   SOLE   611,318 0 26,975
BRINKER INTL INC COM 109641100 5,513 459,003 SH   SOLE   441,093 0 17,910
BRISTOL MYERS SQUIBB CO COM 110122108 27,228 488,480 SH   SOLE   466,130 0 22,350
BROWN & BROWN INC COM 115236101 7,244 200,000 SH   SOLE   200,000 0 0
CATERPILLAR INC COM 149123101 8,397 72,361 SH   SOLE   71,221 0 1,140
CHARLES SCHWAB CORP COM 808513105 14,847 441,601 SH   SOLE   421,497 0 20,104
CHARTER COMMUNICATIONS (NEW) COM 16119p108 237 544 SH   SOLE   544 0 0
CHEVRON CORPORATION COM 166764100 17,900 247,028 SH   SOLE   237,298 0 9,730
CIGNA CORP NEW COM 125523100 214 1,209 SH   SOLE   1,209 0 0
CISCO SYSTEMS INC COM 17275R102 36,672 932,897 SH   SOLE   899,650 0 33,247
CLOROX COMPANY COM 189054109 298 1,720 SH   SOLE   1,720 0 0
COCA COLA CO COM 191216100 22,131 500,132 SH   SOLE   480,957 0 19,175
COLGATE PALMOLIVE CO COM 194162103 713 10,746 SH   SOLE   7,646 0 3,100
COMCAST CORP CLASS A COM 20030N101 15,812 459,914 SH   SOLE   438,434 0 21,480
COMMERCE BANCSHARES INC COM 200525103 771 15,314 SH   SOLE   15,314 0 0
CONOCOPHILLIPS COM 20825C104 14,686 476,832 SH   SOLE   457,992 0 18,840
CONSOLIDATED EDISON INC COM 209115104 3,231 41,427 SH   SOLE   41,227 0 200
CONSUMER DISC SELECT SECTOR SPDR COM 81369Y407 969 9,882 SH   SOLE   9,882 0 0
COSTCO WHOLESALE CORP COM 22160K105 476 1,669 SH   SOLE   1,654 0 15
CSX CORP COM 126408103 785 13,700 SH   SOLE   13,700 0 0
CVS HEALTH CORP COM 126650100 16,870 284,348 SH   SOLE   270,973 0 13,375
DARDEN RESTAURANTS INC COM 237194105 365 6,700 SH   SOLE   6,700 0 0
DEERE & CO COM 244199105 29,929 216,623 SH   SOLE   209,078 0 7,545
DISCOVER FINANCIAL SERVICES COM 254709108 12,756 357,616 SH   SOLE   342,996 0 14,620
DOMINION ENERGY INC COM 25746U109 22,300 308,907 SH   SOLE   295,622 0 13,285
DTE ENERGY COMPANY COM 233331107 18,840 198,377 SH   SOLE   190,142 0 8,235
DUKE ENERGY HOLDING CORP COM 26441c204 22,359 276,452 SH   SOLE   263,218 0 13,234
EDISON INTERNATIONAL COM 281020107 304 5,550 SH   SOLE   5,550 0 0
ELI LILLY & CO COM 532457108 459 3,310 SH   SOLE   3,310 0 0
ENBRIDGE INC COM 29250n105 18,658 641,404 SH   SOLE   612,596 0 28,808
ENERGY SELECT SECTOR SPDR COM 81369y506 1,098 37,781 SH   SOLE   28,440 0 9,341
EVERGY INC COM 30034w106 21,307 387,041 SH   SOLE   368,327 0 18,714
EVERSOURCE ENERGY COM 30040w108 28,912 369,668 SH   SOLE   353,858 0 15,810
EXELON CORPORATION COM 30161N101 19,528 530,509 SH   SOLE   514,584 0 15,925
EXXON MOBIL CORPORATION COM 30231g102 3,623 95,418 SH   SOLE   95,018 0 400
FACEBOOK INC A COM 30303m102 329 1,973 SH   SOLE   1,973 0 0
FINANCIAL SELECT SECTOR SPDR COM 81369Y605 2,420 116,230 SH   SOLE   84,256 0 31,974
FIRSTENERGY CORP COM 337932107 25,836 644,775 SH   SOLE   616,245 0 28,530
GENERAL DYNAMICS CORP COM 369550108 20,173 152,464 SH   SOLE   147,629 0 4,835
GENERAL ELECTRIC CO COM 369604103 360 45,344 SH   SOLE   44,844 0 500
GENERAL MILLS INC COM 370334104 24,774 469,466 SH   SOLE   449,231 0 20,235
GENUINE PARTS CO COM 372460105 16,288 241,920 SH   SOLE   232,300 0 9,620
HEALTH CARE SELECT SECTOR SPDR COM 81369Y209 2,171 24,512 SH   SOLE   20,147 0 4,365
HOME DEPOT INC COM 437076102 18,645 99,861 SH   SOLE   95,141 0 4,720
HONEYWELL INTERNATL INC COM 438516106 30,882 230,828 SH   SOLE   223,778 0 7,050
ILLINOIS TOOL WORKS COM 452308109 382 2,686 SH   SOLE   2,686 0 0
INDUSTRIAL SELECT SECTOR SPDR COM 81369y704 575 9,745 SH   SOLE   9,745 0 0
INTEL CORPORATION COM 458140100 44,914 829,904 SH   SOLE   799,833 0 30,071
INTL BUSINESS MACHINES CORP COM 459200101 20,053 180,773 SH   SOLE   173,468 0 7,305
INVESCO BULLETSHARES 2020 CORP BOND COM 46138j502 1,627 77,419 SH   SOLE   40,737 0 36,682
INVESCO BULLETSHARES 2021 CORP BOND COM 46138j700 2,434 116,082 SH   SOLE   56,197 0 59,885
INVESCO BULLETSHARES 2022 CORP BOND COM 46138j882 2,252 106,311 SH   SOLE   55,326 0 50,985
INVESCO BULLETSHARES 2023 CORP BOND COM 46138j866 1,704 82,199 SH   SOLE   37,192 0 45,007
INVESCO BULLETSHARES 2024 CORP BOND COM 46138j841 1,662 80,471 SH   SOLE   35,560 0 44,911
INVESCO BULLETSHARES 2025 CORP BOND COM 46138j825 406 19,759 SH   SOLE   11,099 0 8,660
INVESCO QQQ TRUST SERIES 1 COM 46090e103 413 2,171 SH   SOLE   2,171 0 0
ISHARES CORE DIVIDEND GROWTH ETF COM 46434v621 6,386 195,956 SH   SOLE   131,363 0 64,593
ISHARES CORE MSCI EMERGING MKTS ETF COM 46434g103 538 13,296 SH   SOLE   13,296 0 0
ISHARES MSCI ALL COUNTRY ASIA COM 464288182 223 3,739 SH   SOLE   0 0 3,739
ISHARES MSCI EAFE ETF COM 464287465 4,172 78,036 SH   SOLE   77,671 0 365
ISHARES RUSSELL 3000 ETF COM 464287689 8,125 54,775 SH   SOLE   54,775 0 0
ISHARES RUSSELL MIDCAP ETF COM 464287499 237 5,500 SH   SOLE   5,500 0 0
ISHARES SHORT TREASURY BOND ETF COM 464288679 205 1,850 SH   SOLE   1,850 0 0
JOHNSON & JOHNSON COM 478160104 37,121 283,085 SH   SOLE   271,341 0 11,744
JP MORGAN CHASE & CO COM 46625H100 31,926 354,612 SH   SOLE   342,074 0 12,538
KIMBERLY CLARK CORP COM 494368103 25,201 197,084 SH   SOLE   189,029 0 8,055
KROGER CO COM 501044101 19,647 652,289 SH   SOLE   625,174 0 27,115
LOCKHEED MARTIN CORP COM 539830109 343 1,011 SH   SOLE   1,011 0 0
LOWES COS INC COM 548661107 519 6,030 SH   SOLE   6,030 0 0
MARATHON PETROLEUM CORP COM 56585a102 267 11,318 SH   SOLE   6,275 0 5,043
MARSH & MCLENNAN COS COM 571748102 23,679 273,869 SH   SOLE   262,450 0 11,419
MATTEL INC COM 577081102 104 11,796 SH   SOLE   11,796 0 0
MCCORMICK & CO INC COM 579780206 9,167 64,918 SH   SOLE   63,028 0 1,890
MCDONALDS CORPORATION COM 580135101 1,073 6,492 SH   SOLE   6,492 0 0
MEDTRONIC PLC COM g5960l103 590 6,540 SH   SOLE   6,530 0 10
MERCK AND CO INC NEW COM 58933y105 21,261 276,333 SH   SOLE   262,043 0 14,290
METLIFE INC COM 59156r108 460 15,035 SH   SOLE   13,535 0 1,500
MICROSOFT CORP COM 594918104 76,498 485,058 SH   SOLE   472,275 0 12,783
MONDELEZ INTL INC COM 609207105 18,655 372,501 SH   SOLE   355,201 0 17,300
NATIONAL FUEL GAS CO COM 636180101 268 7,183 SH   SOLE   6,583 0 600
NATIONAL GRID PLC COM 636274409 17,316 297,167 SH   SOLE   278,162 0 19,005
NESTLE SA SPONSORED ADR COM 641069406 267 2,597 SH   SOLE   2,597 0 0
NEW JERSEY RESOURCES CORP COM 646025106 226 6,650 SH   SOLE   6,650 0 0
NEXTERA ENERGY INC COM 65339f101 37,663 156,524 SH   SOLE   149,129 0 7,395
NORFOLK SOUTHERN CORP COM 655844108 17,182 117,686 SH   SOLE   111,154 0 6,532
NORTHROP GRUMMAN CORP COM 666807102 410 1,356 SH   SOLE   1,356 0 0
OGE ENERGY CORP COM 670837103 305 9,934 SH   SOLE   9,934 0 0
ORACLE CORP COM 68389X105 29,006 600,166 SH   SOLE   584,466 0 15,700
PEPSICO INC COM 713448108 29,311 244,053 SH   SOLE   235,728 0 8,325
PFIZER INC COM 717081103 3,418 104,711 SH   SOLE   100,848 0 3,863
PHILIP MORRIS INTL COM 718172109 17,933 245,799 SH   SOLE   235,249 0 10,550
PHILLIPS 66 COM 718546104 322 6,003 SH   SOLE   5,993 0 10
PNC FINANCIAL SERVICES GROUP COM 693475105 18,256 190,728 SH   SOLE   183,863 0 6,865
PORTLAND GENERAL ELECTRIC CO COM 736508847 4,515 94,170 SH   SOLE   86,405 0 7,765
PPG INDUSTRIES INC COM 693506107 17,142 205,043 SH   SOLE   198,313 0 6,730
PROCTER & GAMBLE CO COM 742718109 30,483 277,119 SH   SOLE   267,170 0 9,949
PROGRESSIVE CORP COM 743315103 20,566 278,515 SH   SOLE   268,730 0 9,785
QUALCOMM INC COM 747525103 24,095 356,165 SH   SOLE   340,364 0 15,801
QUEST DIAGNOSTICS INC COM 74834L100 18,850 234,745 SH   SOLE   225,455 0 9,290
RAYTHEON COMPANY COM 755111507 211 1,607 SH   SOLE   1,607 0 0
RESIDEO TECHNOLOGIES INC COM 76118y104 67 13,857 SH   SOLE   13,556 0 301
RLI CORP COM 749607107 181,809 2,067,657 SH   SOLE   2,067,657 0 0
ROYAL DUTCH SHELL PLC A COM 780259206 255 7,305 SH   SOLE   7,305 0 0
ROYAL DUTCH SHELL PLC B ADR COM 780259107 341 10,426 SH   SOLE   5,650 0 4,776
RPM INTERNATIONAL INC COM 749685103 25,069 421,325 SH   SOLE   406,860 0 14,465
S&P GLOBAL INC COM 78409v104 32,642 133,207 SH   SOLE   129,327 0 3,880
SCHWAB US AGGREGATE BOND ETF COM 808524839 1,309 24,124 SH   SOLE   11,004 0 13,120
SCHWAB US DVD EQUITY ETF COM 808524797 7,233 160,801 SH   SOLE   112,097 0 48,704
SCHWAB US LARGE GROWTH ETF COM 808524300 217 2,721 SH   SOLE   2,721 0 0
SEMPRA ENERGY COM 816851109 207 1,828 SH   SOLE   1,828 0 0
SOUTH JERSEY INDUSTRIES COM 838518108 15,213 608,538 SH   SOLE   582,113 0 26,425
SOUTHERN CO COM 842587107 24,841 458,829 SH   SOLE   438,089 0 20,740
SPDR S&P 500 ETF TRUST COM 78462f103 1,875 7,273 SH   SOLE   2,758 0 4,515
STARBUCKS CORP COM 855244109 274 4,170 SH   SOLE   4,120 0 50
STRYKER CORP COM 863667101 672 4,038 SH   SOLE   4,038 0 0
T ROWE PRICE ASSOCIATES COM 74144t108 20,966 214,701 SH   SOLE   206,451 0 8,250
TARGET CORP COM 87612E106 27,912 300,227 SH   SOLE   288,946 0 11,281
TC ENERGY CORP COM 87807b107 20,454 461,718 SH   SOLE   440,688 0 21,030
TECHNOLOGY SELECT SECTOR SPDR COM 81369Y803 830 10,332 SH   SOLE   10,332 0 0
TEXAS INSTRUMENTS INC COM 882508104 34,674 346,984 SH   SOLE   335,079 0 11,905
THE WALT DISNEY CO COM 254687106 27,196 281,533 SH   SOLE   272,540 0 8,993
TRAVELERS COMPANIES INC COM 89417e109 898 9,037 SH   SOLE   9,037 0 0
TRUIST FINANCIAL CORP COM 89832q109 15,390 499,037 SH   SOLE   482,267 0 16,770
UNION PACIFIC CORP COM 907818108 888 6,298 SH   SOLE   6,198 0 100
UNITED PARCEL SERVICE B COM 911312106 22,293 238,634 SH   SOLE   229,119 0 9,515
UNITED TECHNOLOGIES CORP COM 913017109 261 2,771 SH   SOLE   2,571 0 200
UNITEDHEALTH GROUP COM 91324P102 40,313 161,651 SH   SOLE   157,161 0 4,490
US BANCORP COM 902973304 16,337 474,231 SH   SOLE   457,590 0 16,641
UTILITIES SELECT SECTOR SPDR COM 81369Y886 3,753 67,732 SH   SOLE   45,499 0 22,233
VANECK VECTORS OIL REFINERS ETF COM 92189f585 244 14,000 SH   SOLE   14,000 0 0
VANGUARD DIVIDEND APPRECIATION ETF COM 921908844 676 6,535 SH   SOLE   5,235 0 1,300
VANGUARD FTSE EMERGING MARKETS ETF COM 922042858 956 28,490 SH   SOLE   28,490 0 0
VANGUARD S&P 500 ETF COM 922908363 726 3,067 SH   SOLE   90 0 2,977
VANGUARD SHORT-TERM CORPORATE ETF COM 92206c409 1,220 15,418 SH   SOLE   8,861 0 6,557
VANGUARD SHORT-TERM BOND ETF COM 921937827 203 2,469 SH   SOLE   2,469 0 0
VERIZON COMMUNICATIONS COM 92343v104 37,753 702,648 SH   SOLE   675,389 0 27,259
WALGREENS BOOTS ALLIANCE INC COM 931427108 311 6,807 SH   SOLE   6,707 0 100
WALMART INC COM 931142103 1,118 9,841 SH   SOLE   9,841 0 0
WEC ENERGY GROUP INC COM 92939u106 458 5,200 SH   SOLE   5,200 0 0
WELLS FARGO & COMPANY COM 949746101 15,106 526,346 SH   SOLE   509,446 0 16,900
WESTERN DIGITAL CORP COM 958102105 13,485 324,001 SH   SOLE   306,601 0 17,400
WILLIAMS COS INC COM 969457100 11,340 801,421 SH   SOLE   760,456 0 40,965
WORTHINGTON INDUSTRIES INC COM 981811102 363 13,813 SH   SOLE   13,813 0 0
XCEL ENERGY COM 98389B100 30,792 510,644 SH   SOLE   489,833 0 20,811