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 Company COM 88579Y101 480 2,410 SH   SOLE   0 0 2,410
A T & T COM 00206R102 236 8,437 SH   SOLE   0 0 8,437
Abbott Laboratories COM 002824100 449 3,800 SH   SOLE   0 0 3,800
AbbVie Inc COM 00287Y109 897 7,631 SH   SOLE   0 0 7,631
Alphabet Inc Cl A COM 02079K305 2,990 1,164 SH   SOLE   0 0 1,164
Alphabet Inc Cl C COM 02079K107 1,976 741 SH   SOLE   0 0 741
American Express COM 025816109 2,386 13,964 SH   SOLE   0 0 13,964
American Tower Corp COM 03027X100 1,823 6,475 SH   SOLE   0 0 6,475
American Water Works Inc COM 030420103 834 5,075 SH   SOLE   0 0 5,075
Anthem Inc COM 036752103 275 715 SH   SOLE   0 0 715
Apple Inc COM 037833100 7,818 53,259 SH   SOLE   0 0 53,259
Automatic Data Processing COM 053015103 2,063 10,150 SH   SOLE   0 0 10,150
Bank of America Corp COM 060505104 1,973 51,975 SH   SOLE   0 0 51,975
Becton Dickinson & Co COM 075887109 1,364 5,472 SH   SOLE   0 0 5,472
Berkley W R Corporation COM 084423102 2,148 28,562 SH   SOLE   0 0 28,562
Berkshire Hathaway Inc Cl B COM 084670702 3,368 12,128 SH   SOLE   0 0 12,128
BHP Billiton Ltd ADR ADR 088606108 355 4,700 SH   SOLE   0 0 4,700
Blackstone Group Inc COM 09260D107 1,214 11,025 SH   SOLE   0 0 11,025
Bristol-Myers Squibb Co COM 110122108 381 5,600 SH   SOLE   0 0 5,600
Chevron Corp COM 166764100 1,365 13,810 SH   SOLE   0 0 13,810
Cigna Corp COM 125509109 599 2,579 SH   SOLE   0 0 2,579
Cisco Systems Inc COM 17275R102 2,374 43,522 SH   SOLE   0 0 43,522
Citigroup Inc COM 172967424 353 5,275 SH   SOLE   0 0 5,275
Clorox Company COM 189054109 547 3,025 SH   SOLE   0 0 3,025
Coca-Cola Company COM 191216100 234 4,150 SH   SOLE   0 0 4,150
Colgate-Palmolive Co COM 194162103 882 10,775 SH   SOLE   0 0 10,775
Comcast Corp Class A COM 20030N101 1,433 24,800 SH   SOLE   0 0 24,800
ConocoPhillips COM 20825C104 575 10,150 SH   SOLE   0 0 10,150
Consolidated Edison Inc COM 209115104 405 5,550 SH   SOLE   0 0 5,550
Costco Wholesale Corp COM 22160K105 3,466 8,301 SH   SOLE   0 0 8,301
CSX Corp COM 126408103 1,108 33,900 SH   SOLE   0 0 33,900
CVS Health Corporation COM 126650100 1,054 12,750 SH   SOLE   0 0 12,750
Danaher Corp COM 235851102 462 1,600 SH   SOLE   0 0 1,600
Disney Walt Company COM 254687106 1,098 6,267 SH   SOLE   0 0 6,267
DuPont de Nemours Inc COM 26614N102 588 7,898 SH   SOLE   0 0 7,898
eBay Inc COM 278642103 483 6,700 SH   SOLE   0 0 6,700
Ecolab Inc COM 278865100 1,240 5,770 SH   SOLE   0 0 5,770
Emerson Electric Co COM 291011104 214 2,200 SH   SOLE   0 0 2,200
Essential Utilities Inc COM 29670G102 1,493 31,486 SH   SOLE   0 0 31,486
Globus Medical Inc COM 379577208 5,993 73,748 SH   SOLE   0 0 73,748
Hershey Company COM 427866108 372 2,100 SH   SOLE   0 0 2,100
Home Depot Inc COM 437076102 2,389 7,314 SH   SOLE   0 0 7,314
Honeywell International Inc COM 438516106 239 1,025 SH   SOLE   0 0 1,025
IdaCorp Incorporated COM 451107106 755 7,336 SH   SOLE   0 0 7,336
Intel Corp COM 458140100 840 15,005 SH   SOLE   0 0 15,005
Intl Flavors & Fragrances COM 459506101 726 4,973 SH   SOLE   0 0 4,973
Intuit Inc COM 461202103 5,560 10,665 SH   SOLE   0 0 10,665
Invesco Preferred ETF 46138E511 2,227 147,258 SH   SOLE   0 0 147,258
Invesco QQQ Trust ETF 46090E103 619 1,700 SH   SOLE   0 0 1,700
Invesco S&P 500 Eq Wt ETF 46137V357 2,157 14,336 SH   SOLE   0 0 14,336
iShares Core Growth Allocation ETF 464289867 283 5,039 SH   SOLE   0 0 5,039
iShares Core Moderate Allocati ETF 464289875 389 8,606 SH   SOLE   0 0 8,606
iShares Core MSCI EAFE ETF 46432F842 1,834 24,529 SH   SOLE   0 0 24,529
iShares Core S&P US Growth ETF 464287671 455 4,360 SH   SOLE   0 0 4,360
iShares iBoxx Investment Grade ETF 464287242 204 1,500 SH   SOLE   0 0 1,500
iShares MSCI EAFE Index ETF 464287465 267 3,400 SH   SOLE   0 0 3,400
iShares MSCI EmergMkt Min Vol ETF 464286533 557 8,850 SH   SOLE   0 0 8,850
iShares Russell 2000 Index ETF 464287655 3 13,530 SH   SOLE   0 0 13,530
iShares Short Term Corporate ETF 464288646 421 7,679 SH   SOLE   0 0 7,679
Johnson & Johnson COM 478160104 2,343 13,786 SH   SOLE   0 0 13,786
JP Morgan Chase & Co COM 46625H100 1,789 11,850 SH   SOLE   0 0 11,850
Kimberly-Clark Corp COM 494368103 245 1,812 SH   SOLE   0 0 1,812
L3Harris Technologies Inc COM 502431109 1,071 4,735 SH   SOLE   0 0 4,735
Lockheed Martin Corp COM 539830109 484 1,275 SH   SOLE   0 0 1,275
Lowes Companies Inc COM 548661107 2,373 12,060 SH   SOLE   0 0 12,060
Masco Corp COM 574599106 460 7,800 SH   SOLE   0 0 7,800
Mastercard Inc COM 57636Q104 363 950 SH   SOLE   0 0 950
McDonalds Corp COM 580135101 1,148 4,810 SH   SOLE   0 0 4,810
Merck & Co COM 58933Y105 1,904 24,878 SH   SOLE   0 0 24,878
MetLife Inc COM 59156R108 515 8,900 SH   SOLE   0 0 8,900
Microsoft Corporation COM 594918104 9,704 33,914 SH   SOLE   0 0 33,914
Mondelez Intl Inc Cl A COM 609207105 1,090 17,075 SH   SOLE   0 0 17,075
NextEra Energy Inc COM 65339F101 643 8,450 SH   SOLE   0 0 8,450
Oracle Corp COM 68389X105 3,297 36,360 SH   SOLE   0 0 36,360
Organon & Co COM 68622V106 358 11,574 SH   SOLE   0 0 11,574
Paychex Inc COM 704326107 2,418 21,795 SH   SOLE   0 0 21,795
PayPal Holdings Inc COM 70450Y103 5,014 16,510 SH   SOLE   0 0 16,510
Pepsico Inc COM 713448108 1,730 11,150 SH   SOLE   0 0 11,150
Pfizer Inc COM 717081103 1,210 29,178 SH   SOLE   0 0 29,178
Phillips 66 COM 718546104 510 7,050 SH   SOLE   0 0 7,050
Procter & Gamble COM 742718109 2,454 17,805 SH   SOLE   0 0 17,805
Quest Diagnostics Inc COM 74834L100 545 3,950 SH   SOLE   0 0 3,950
Raytheon Technologies Corp COM 75513E101 699 8,150 SH   SOLE   0 0 8,150
Republic Services Inc COM 760759100 270 2,350 SH   SOLE   0 0 2,350
RPM International COM 749685103 893 10,305 SH   SOLE   0 0 10,305
Schwab US Small-Cap COM 808524607 290 2,900 SH   SOLE   0 0 2,900
Scotts Miracle Group COM 810186106 949 5,225 SH   SOLE   0 0 5,225
Simon Property Group COM 828806109 272 2,175 SH   SOLE   0 0 2,175
Southern Company COM 842587107 247 3,920 SH   SOLE   0 0 3,920
SPDR S&P 500 ETF 78462F103 827 1,900 SH   SOLE   0 0 1,900
Starbucks Corp COM 855244109 1,958 15,965 SH   SOLE   0 0 15,965
Sysco Corporation COM 871829107 2,050 28,485 SH   SOLE   0 0 28,485
Target Corporation COM 87612E106 2,282 8,880 SH   SOLE   0 0 8,880
TJX Companies Inc COM 872540109 977 14,525 SH   SOLE   0 0 14,525
Uber Technologies Inc COM 90353T100 270 5,675 SH   SOLE   0 0 5,675
UGI Corporation COM 902681105 517 11,400 SH   SOLE   0 0 11,400
UniFirst Corp COM 904708104 765 3,575 SH   SOLE   0 0 3,575
Union Pacific Corp COM 907818108 285 1,300 SH   SOLE   0 0 1,300
United Parcel Service Inc COM 911312106 2,347 11,005 SH   SOLE   0 0 11,005
UnitedHealth Group Inc COM 91324P102 1,282 3,087 SH   SOLE   0 0 3,087
V F Corporation COM 918204108 711 8,850 SH   SOLE   0 0 8,850
Valero Energy Corp ETF 91913Y100 574 9,050 SH   SOLE   0 0 9,050
Vanguard Div Appreciation ETF 921908844 1,515 9,590 SH   SOLE   0 0 9,590
Vanguard Muni Bond ETF 922907746 1,019 18,326 SH   SOLE   0 0 18,326
Vanguard REIT ETF 922908553 1,123 10,694 SH   SOLE   0 0 10,694
Vanguard Short Term Bond Index ETF 921937827 2,160 26,237 SH   SOLE   0 0 26,237
Vanguard Total Stock Mkt ETF 922908769 251 1,115 SH   SOLE   0 0 1,115
Verizon Communications ETF 92343V104 1,136 20,305 SH   SOLE   0 0 20,305
Vgd Consumer Discretionary ETF 92204A108 313 985 SH   SOLE   0 0 985
Vgd Int Term Bond Index Fund ETF 921937819 3,898 42,854 SH   SOLE   0 0 42,854
Viatris Inc COM 92556V106 3,075 222 SH   SOLE   0 0 222
Visa Inc COM 92826C839 1,204 4,930 SH   SOLE   0 0 4,930
Walmart Inc COM 931142103 604 4,275 SH   SOLE   0 0 4,275
Waste Management Inc COM 94106L109 1,645 11,345 SH   SOLE   0 0 11,345
WideOpenWest Inc COM 96758W101 748 34,000 SH   SOLE   0 0 34,000
YUM Brands Inc COM 988498101 814 6,770 SH   SOLE   0 0 6,770
Zoetis Inc CL A 98978V103 2,497 12,450 SH   SOLE   0 0 12,450