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
Expires: July 31, 2015
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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 362 2,377 SH SOLE 0 0 2,377
AFLAC Inc. COM 001055102 729 6,915 SH SOLE 0 0 6,915
Abbott Laboratories COM 002824100 1,757 12,918 SH SOLE 0 0 12,918
Alphabet Inc. Class A COM 02079K305 2,450 13,900 SH SOLE 0 0 13,900
Alphabet Inc. Class C COM 02079K107 1,923 10,841 SH SOLE 0 0 10,841
American Express Co. COM 025816109 3,646 11,430 SH SOLE 0 0 11,430
Amgen Inc. COM 031162100 3,640 13,035 SH SOLE 0 0 13,035
Apple Inc. COM 037833100 7,710 37,576 SH SOLE 0 0 37,576
Automatic Data Processing Inc. COM 053015103 4,053 13,143 SH SOLE 0 0 13,143
Avalonbay Communities COM 053484101 1,107 5,440 SH SOLE 0 0 5,440
Bank of America Corp COM 060505104 324 6,837 SH SOLE 0 0 6,837
Berkshire Hathaway Class B COM 084670702 4,796 9,873 SH SOLE 0 0 9,873
CVS Health Corporation COM 126650100 410 5,938 SH SOLE 0 0 5,938
Camden Property Trust COM 133131102 1,435 12,735 SH SOLE 0 0 12,735
Carrier Global Corp COM 14448C104 745 10,176 SH SOLE 0 0 10,176
Chevron Corp COM 166764100 2,473 17,270 SH SOLE 0 0 17,270
Chubb Limited COM H1467J104 884 3,050 SH SOLE 0 0 3,050
Cigna Corporation COM 125523100 398 1,205 SH SOLE 0 0 1,205
Cisco Systems Inc. COM 17275R102 2,635 37,978 SH SOLE 0 0 37,978
Coca-Cola Company COM 191216100 7,324 103,522 SH SOLE 0 0 103,522
Colgate-Palmolive Co COM 194162103 769 8,460 SH SOLE 0 0 8,460
Comcast cl A COM 20030N101 1,669 46,768 SH SOLE 0 0 46,768
ConocoPhillips COM 20825C104 957 10,660 SH SOLE 0 0 10,660
Corteva Inc. COM 22052L104 268 3,600 SH SOLE 0 0 3,600
Costco Wholesale Corp COM 22160K105 7,814 7,893 SH SOLE 0 0 7,893
Danaher Corporation COM 235851102 4,143 20,972 SH SOLE 0 0 20,972
Diageo PLC ADS COM 25243Q205 748 7,415 SH SOLE 0 0 7,415
Dominion Energy, Inc. COM 25746U109 1,454 25,725 SH SOLE 0 0 25,725
DuPont de Nemours Inc. COM 26614N102 1,060 15,460 SH SOLE 0 0 15,460
Duke Energy Corp COM 26441C204 1,749 14,823 SH SOLE 0 0 14,823
Elevance Health, Inc. COM 036752103 2,684 6,901 SH SOLE 0 0 6,901
Emerson Electric Co. COM 291011104 2,412 18,087 SH SOLE 0 0 18,087
Enterprise Products Part LP COM 293792107 327 10,551 SH SOLE 0 0 10,551
Equity Residential Properties COM 29476L107 548 8,122 SH SOLE 0 0 8,122
Exxon Mobil Corporation COM 30231G102 4,047 37,536 SH SOLE 0 0 37,536
Fiserv Inc. COM 337738108 5,480 31,785 SH SOLE 0 0 31,785
Fortive Corporation COM 34959J108 956 18,347 SH SOLE 0 0 18,347
G.E. Aerospace COM 369604301 298 1,156 SH SOLE 0 0 1,156
General Mills Inc. COM 370334104 1,066 20,570 SH SOLE 0 0 20,570
Genuine Parts Company COM 372460105 682 5,625 SH SOLE 0 0 5,625
Goldman Sachs Group Inc COM 38141G104 678 958 SH SOLE 0 0 958
Home Depot Inc. COM 437076102 6,266 17,090 SH SOLE 0 0 17,090
Honeywell Intl Inc COM 438516106 3,282 14,091 SH SOLE 0 0 14,091
IBM Corp COM 459200101 265 900 SH SOLE 0 0 900
JPMorgan Chase & Co COM 46625H100 4,878 16,826 SH SOLE 0 0 16,826
Johnson & Johnson COM 478160104 7,307 47,836 SH SOLE 0 0 47,836
Lowes Companies Inc. COM 548661107 216 973 SH SOLE 0 0 973
Merck & Co. Inc. COM 58933Y105 1,118 14,123 SH SOLE 0 0 14,123
Microsoft Corporation COM 594918104 8,589 17,268 SH SOLE 0 0 17,268
Mondelez International Inc COM 609207105 2,960 43,889 SH SOLE 0 0 43,889
Morgan Stanley COM 617446448 1,067 7,575 SH SOLE 0 0 7,575
Murphy USA, Inc. COM 626755102 724 1,780 SH SOLE 0 0 1,780
Novo-Nordisk A/S COM 670100205 1,019 14,770 SH SOLE 0 0 14,770
Nucor Corporation COM 670346105 1,418 10,947 SH SOLE 0 0 10,947
Otis Worldwide Corp COM 68902V107 542 5,470 SH SOLE 0 0 5,470
PepsiCo, Inc. COM 713448108 2,628 19,902 SH SOLE 0 0 19,902
Pfizer Inc. COM 717081103 1,295 53,427 SH SOLE 0 0 53,427
Phillips 66 COM 718546104 907 7,606 SH SOLE 0 0 7,606
Procter & Gamble Co. COM 742718109 3,659 22,969 SH SOLE 0 0 22,969
Public Service Enterprise Grp COM 744573106 256 3,036 SH SOLE 0 0 3,036
Ralliant Corp. COM 750940108 299 6,166 SH SOLE 0 0 6,166
Raytheon Technologies Corp COM 75513E101 2,598 17,794 SH SOLE 0 0 17,794
Republic Services Inc. COM 760759100 2,748 11,143 SH SOLE 0 0 11,143
Stryker Corp COM 863667101 1,523 3,849 SH SOLE 0 0 3,849
Sysco Corporation COM 871829107 3,497 46,169 SH SOLE 0 0 46,169
TJX Companies Inc. COM 872540109 8,841 71,592 SH SOLE 0 0 71,592
U.S. Bancorp COM 902973304 1,216 26,865 SH SOLE 0 0 26,865
Union Pacific Corp. COM 907818108 1,405 6,105 SH SOLE 0 0 6,105
Veralto Corporation COM 92338c103 530 5,246 SH SOLE 0 0 5,246
Verizon Communications, Inc. COM 92343V104 647 14,955 SH SOLE 0 0 14,955
Walmart Inc. COM 931142103 305 3,115 SH SOLE 0 0 3,115
Walt Disney Company COM 254687106 3,227 26,020 SH SOLE 0 0 26,020
IShares Select Dividend ETF OTR 464287168 481 3,625 SH SOLE 0 0 3,625
IShares Barclays TIPS ETF OTR 464287176 2,220 20,178 SH SOLE 0 0 20,178
IShares S&P ST AMT Free ETF OTR 464288158 1,151 10,825 SH SOLE 0 0 10,825
IShares ST Corp Bond ETF OTR 464288646 4,354 82,530 SH SOLE 0 0 82,530
SPDR Gold Trust OTR 78463V107 557 1,827 SH SOLE 0 0 1,827
SPDR S&P 500 ETF Trust OTR 78462f103 2,775 4,492 SH SOLE 0 0 4,492
Vanguard Ext Mkt ETF OTR 922908652 1,262 6,550 SH SOLE 0 0 6,550
Vanguard Interm Corp ETF OTR 92206C870 3,844 46,352 SH SOLE 0 0 46,352
Vanguard Interm Govt ETF OTR 92206C706 3,197 53,455 SH SOLE 0 0 53,455
Vanguard Sh Term Bond ETF OTR 921937827 8,423 107,027 SH SOLE 0 0 107,027
Vanguard Sh Term Govt ETF OTR 92206C102 7,984 135,837 SH SOLE 0 0 135,837
Vanguard Sh Term Corp ETF OTR 92206C409 4,201 52,847 SH SOLE 0 0 52,847
Vanguard Tot Bond ETF OTR 921937835 607 8,251 SH SOLE 0 0 8,251
Vanguard FTSE All-World ex-US OTR 922042775 440 6,544 SH SOLE 0 0 6,544
Vanguard Total Stock Mkt OTR 922908769 1,942 6,388 SH SOLE 0 0 6,388
iShares S&P Midcap 400 OTR 464287507 356 5,745 SH SOLE 0 0 5,745
iShr MSCI EAFE ETF OTR 464287465 344 3,853 SH SOLE 0 0 3,853