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 374 3,386 SH   SOLE   3,386 0 0
Abbott Laboratories COM 002824100 2,458 25,407 SH   SOLE   25,407 0 0
Abbvie Inc COM 00287Y109 4,726 35,212 SH   SOLE   35,212 0 0
Air Products & Chemicals COM 009158106 630 2,707 SH   SOLE   2,707 0 0
Alphabet Inc-CL A COM 02079K305 5,804 60,680 SH   SOLE   60,680 0 0
Alphabet Inc-CL C COM 02079K107 1,585 16,480 SH   SOLE   16,480 0 0
Amazon.com Inc COM 023135106 2,983 26,402 SH   SOLE   26,402 0 0
American Express Co COM 025816109 3,686 27,325 SH   SOLE   27,325 0 0
Amgen Inc COM 031162100 201 892 SH   SOLE   892 0 0
Apple Inc COM 037833100 6,572 47,555 SH   SOLE   47,555 0 0
Avalonbay Communities COM 053484101 225 1,222 SH   SOLE   1,222 0 0
Avery Dennison Corp COM 053611109 257 1,581 SH   SOLE   1,581 0 0
Bank of America Corp COM 060505104 927 30,679 SH   SOLE   30,679 0 0
BlackRock Inc COM 09247X101 249 452 SH   SOLE   452 0 0
Bloom Energy Corp COM 093712107 680 34,000 SH   SOLE   34,000 0 0
Boeing Co COM 097023105 1,024 8,458 SH   SOLE   8,458 0 0
Booking Holdings Inc. COM 09857L108 1,201 731 SH   SOLE   731 0 0
Bristol-Myers Squibb Co COM 110122108 3,735 52,540 SH   SOLE   52,540 0 0
Broadcom Inc COM 11135F101 3,530 7,950 SH   SOLE   7,950 0 0
Brunswick Corp 6.5 Pfd PFD 117043406 224 9,338 SH   SOLE   9,338 0 0
Carrier Global COM 14448C104 638 17,938 SH   SOLE   17,938 0 0
Caterpillar Inc COM 149123101 1,773 10,808 SH   SOLE   10,808 0 0
Charles Schwab 4.45 Pfd PFD 808513865 689 36,250 SH   SOLE   36,250 0 0
Charles Schwab Corp COM 808513105 856 11,906 SH   SOLE   11,906 0 0
Chevron Corp COM 166764100 2,827 19,676 SH   SOLE   19,676 0 0
Chipotle Mexican Grill Inc COM 169656105 298 198 SH   SOLE   198 0 0
Cigna Corp COM 125523100 1,236 4,453 SH   SOLE   4,453 0 0
Cisco Systems Inc COM 17275R102 552 13,811 SH   SOLE   13,811 0 0
Coca-Cola Co COM 191216100 1,377 24,572 SH   SOLE   24,572 0 0
ConocoPhillips COM 20825C104 423 4,133 SH   SOLE   4,133 0 0
CrowdStrike Holdings Inc COM 22788C105 514 3,116 SH   SOLE   3,116 0 0
CSX Corp COM 126408103 918 34,467 SH   SOLE   34,467 0 0
Cummins Inc COM 231021106 517 2,541 SH   SOLE   2,541 0 0
Danaher Corp COM 235851102 984 3,809 SH   SOLE   3,809 0 0
Disney (Walt) Co/The COM 254687106 201 2,130 SH   SOLE   2,130 0 0
Eaton Corp PLC COM G29183103 2,914 21,847 SH   SOLE   21,847 0 0
Emerson Electric Co COM 291011104 971 13,264 SH   SOLE   13,264 0 0
EOG Resources Inc COM 26875P101 664 5,943 SH   SOLE   5,943 0 0
Exxon Mobil Corp COM 30231G102 4,048 46,366 SH   SOLE   46,366 0 0
Fastenal Co COM 311900104 235 5,107 SH   SOLE   5,107 0 0
General Electric Co. COM 369604301 233 3,764 SH   SOLE   3,764 0 0
General Motors Co COM 37045V100 866 27,000 SH   SOLE   27,000 0 0
Goldman Sachs Group Inc COM 38141G104 937 3,199 SH   SOLE   3,199 0 0
Home Depot Inc COM 437076102 1,497 5,425 SH   SOLE   5,425 0 0
Honeywell International COM 438516106 3,981 23,840 SH   SOLE   23,840 0 0
HP Inc COM 40434L105 322 12,940 SH   SOLE   12,940 0 0
Huntington Bank 4.50 Pfd PFD 446150823 536 29,800 SH   SOLE   29,800 0 0
IBM Corp COM 459200101 846 7,123 SH   SOLE   7,123 0 0
Illinois Tool Works COM 452308109 258 1,430 SH   SOLE   1,430 0 0
Illumina Inc COM 452327109 358 1,875 SH   SOLE   1,875 0 0
Intel Corp COM 458140100 783 30,391 SH   SOLE   30,391 0 0
ISHARES 0-3M Tresaury Bond COM 46436E718 384 3,831 SH   SOLE   3,831 0 0
iShares 1-3 Year Treasury Bond ETF COM 464287457 406 5,000 SH   SOLE   5,000 0 0
IShares 1-5 Year Investment Grade Corp COM 464288646 679 13,773 SH   SOLE   13,773 0 0
IShares 5-10 Year Investment Grade Corp COM 464288638 1,360 28,162 SH   SOLE   28,162 0 0
iShares 7-10 Year Treasury Bond ETF COM 464287440 1,250 13,017 SH   SOLE   13,017 0 0
iShares Barclays Agg Bond COM 464287226 11,956 124,104 SH   SOLE   124,104 0 0
IShares Broad USD HY Corp Bond ETF COM 46435U853 412 12,257 SH   SOLE   12,257 0 0
iShares Core S&P 500 ETF COM 464287200 906 2,525 SH   SOLE   2,525 0 0
iShares MBS Bond ETF COM 464288588 17,897 195,427 SH   SOLE   195,427 0 0
iShares MSCI EAFE Index Fd COM 464287465 1,450 25,880 SH   SOLE   25,880 0 0
iShares MSCI Emrg Mkt Indx COM 464287234 1,237 35,475 SH   SOLE   35,475 0 0
iShares Preferred & Income Sec ETF COM 464288687 268 8,461 SH   SOLE   8,461 0 0
iShares S&P Global 100 Fd COM 464287572 2,400 40,330 SH   SOLE   40,330 0 0
iShares S&P Midcap 400 COM 464287507 650 2,963 SH   SOLE   2,963 0 0
iShares S&P SmallCap 600 COM 464287804 2,180 25,005 SH   SOLE   25,005 0 0
J P Morgan Chase COM 46625H100 4,472 42,798 SH   SOLE   42,798 0 0
Johnson & Johnson COM 478160104 3,469 21,234 SH   SOLE   21,234 0 0
Keysight Technologies Inc W/I COM 49338L103 407 2,584 SH   SOLE   2,584 0 0
Lilly (Eli) & Co COM 532457108 3,290 10,174 SH   SOLE   10,174 0 0
Linde PLC COM G5494J103 2,078 7,707 SH   SOLE   7,707 0 0
Lowe's Companies Inc COM 548661107 992 5,280 SH   SOLE   5,280 0 0
Marsh & McLennan Cos Inc COM 571748102 917 6,145 SH   SOLE   6,145 0 0
Mastercard Inc COM 57636Q104 399 1,402 SH   SOLE   1,402 0 0
McKesson Corp W/RTS COM 58155Q103 213 627 SH   SOLE   627 0 0
Medtronic PLC COM G5960L103 395 4,892 SH   SOLE   4,892 0 0
Merck & Company COM 58933Y105 1,759 20,430 SH   SOLE   20,430 0 0
Meta Platforms Inc. COM 30303M102 780 5,750 SH   SOLE   5,750 0 0
Microsoft Corp COM 594918104 11,437 49,108 SH   SOLE   49,108 0 0
Mimedx Group Inc COM 602496101 274 95,453 SH   SOLE   95,453 0 0
Mondelez International Inc COM 609207105 440 8,029 SH   SOLE   8,029 0 0
National Rural Util Corp 5.5 Pfd PFD 637432105 211 9,612 SH   SOLE   9,612 0 0
Nextera Energy Capital 5.65 Pfd PFD 65339K860 219 8,948 SH   SOLE   8,948 0 0
Nextera Energy Inc COM 65339F101 1,431 18,248 SH   SOLE   18,248 0 0
NVIDIA Corp COM 67066G104 364 3,000 SH   SOLE   3,000 0 0
O'Reilly Automotive Inc COM 67103H107 1,241 1,765 SH   SOLE   1,765 0 0
Otis Worldwide Corp COM 68902V107 216 3,388 SH   SOLE   3,388 0 0
Parker Hannifin Corp COM 701094104 624 2,577 SH   SOLE   2,577 0 0
PayPal Holdings Inc COM 70450Y103 1,725 20,044 SH   SOLE   20,044 0 0
PepsiCo Inc COM 713448108 3,140 19,231 SH   SOLE   19,231 0 0
Pfizer Inc COM 717081103 2,662 60,842 SH   SOLE   60,842 0 0
Phillips 66 COM 718546104 1,012 12,533 SH   SOLE   12,533 0 0
Pinterest Inc. COM 72352L106 534 22,897 SH   SOLE   22,897 0 0
Plug Power Inc COM 72919P202 855 40,695 SH   SOLE   40,695 0 0
Procter & Gamble Co COM 742718109 2,389 18,925 SH   SOLE   18,925 0 0
Qualcomm Inc COM 747525103 2,275 20,140 SH   SOLE   20,140 0 0
Raytheon Technologies Corp COM 75513E101 1,159 14,154 SH   SOLE   14,154 0 0
Regeneron Pharmaceuticals COM 75886F107 655 951 SH   SOLE   951 0 0
Roper Industries COM 776696106 413 1,148 SH   SOLE   1,148 0 0
Salesforce Inc. COM 79466L302 1,034 7,188 SH   SOLE   7,188 0 0
Schwab US Dividend Equity ETF COM 808524797 1,124 16,916 SH   SOLE   16,916 0 0
Shell PLC - ADR COM 780259305 429 8,613 SH   SOLE   8,613 0 0
Southern Co 4.20 Pfd PFD 842587883 193 10,100 SH   SOLE   10,100 0 0
SPDR Barclays ST HY Bond COM 78468R408 794 33,404 SH   SOLE   33,404 0 0
SPDR Blackstone Senior Loan ETF COM 78467V608 2,810 68,759 SH   SOLE   68,759 0 0
SPDR Interm TSY ETF COM 78464A672 1,109 39,418 SH   SOLE   39,418 0 0
SPDR Port Long Term Treasury ETF COM 78464A664 831 28,021 SH   SOLE   28,021 0 0
SPDR S & P 500 ETF Trust COM 78462F103 16,809 47,061 SH   SOLE   47,061 0 0
SPDR S & P Midcap 400 ETF COM 78467Y107 5,595 13,930 SH   SOLE   13,930 0 0
Synchrony Financial COM 87165B103 298 10,568 SH   SOLE   10,568 0 0
Sysco Corp COM 871829107 200 2,835 SH   SOLE   2,835 0 0
Target Corp COM 87612E106 2,031 13,684 SH   SOLE   13,684 0 0
Texas Instruments Inc COM 882508104 245 1,584 SH   SOLE   1,584 0 0
Thermo Fisher Corp COM 883556102 2,161 4,260 SH   SOLE   4,260 0 0
Trane Technologies PLC COM G8994E103 856 5,909 SH   SOLE   5,909 0 0
Travelers Companies Inc COM 89417E109 542 3,538 SH   SOLE   3,538 0 0
Unilever PLC-Sponsored ADR COM 904767704 441 10,052 SH   SOLE   10,052 0 0
United Parcel Services B COM 911312106 844 5,226 SH   SOLE   5,226 0 0
US Bancorp COM 902973304 605 15,000 SH   SOLE   15,000 0 0
US Bank 4.00 Pfd PFD 902973718 1,513 89,165 SH   SOLE   89,165 0 0
Vanguard Growth ETF COM 922908736 447 2,089 SH   SOLE   2,089 0 0
Vanguard Long-Term Corp Bond ETF COM 92206C813 637 8,692 SH   SOLE   8,692 0 0
Vanguard S&P 500 ETF COM 922908363 2,658 8,097 SH   SOLE   8,097 0 0
Vanguard Short-Term Treasury COM 92206C102 756 13,089 SH   SOLE   13,089 0 0
Verizon Communications Inc COM 92343V104 248 6,534 SH   SOLE   6,534 0 0
Visa Inc Cl-A Shares COM 92826C839 1,883 10,602 SH   SOLE   10,602 0 0
Wal Mart Inc. COM 931142103 221 1,707 SH   SOLE   1,707 0 0
Walgreens Boots Alliance COM 931427108 686 21,841 SH   SOLE   21,841 0 0
Zebra Technologies Corp Cl COM 989207105 1,251 4,773 SH   SOLE   4,773 0 0