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
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 CO COM 88579Y101 605 3,900 SH SOLE 3,900 0 0
ABBOTT LABORATORIES COM 002824100 18,316 136,748 SH SOLE 136,748 0 0
ABBVIE INC COM 00287Y109 903 3,901 SH SOLE 3,901 0 0
ADVANCED MICRO DEVICES COM 007903107 21,402 132,281 SH SOLE 132,281 0 0
AIR PRODUCTS & CHEMICALS INC COM 009158106 9,875 36,209 SH SOLE 36,209 0 0
ALLSTATE CORP COM 020002101 1,583 7,374 SH SOLE 7,374 0 0
ALPHABET INC SHS CL A COM 02079k305 568 2,338 SH SOLE 2,338 0 0
ALPHABET INC-CL C COM 02079K107 30,418 124,895 SH SOLE 124,895 0 0
AMAZON.COM INC COM 023135106 32,675 148,813 SH SOLE 148,813 0 0
AMERICAN EXPRESS CO COM 025816109 25,154 75,728 SH SOLE 75,728 0 0
AMERICAN INTERNATIONAL GROUP COM 026874784 12,958 164,984 SH SOLE 164,984 0 0
AMERICAN WATER WORKS CO INC COM 030420103 418 3,000 SH SOLE 3,000 0 0
AMGEN INC COM 031162100 3,365 11,926 SH SOLE 11,926 0 0
AON PLC-CLASS A COM g0403h108 19,712 55,281 SH SOLE 55,281 0 0
APPLE INC COM 037833100 30,328 119,106 SH SOLE 119,106 0 0
AUTOMATIC DATA PROCESSING COM 053015103 16,544 56,368 SH SOLE 56,368 0 0
BANK OF NEW YORK MELLON CORP COM 064058100 5,870 53,875 SH SOLE 53,875 0 0
BERKSHIRE HATHAWAYINC DEL CL COM 084670702 668 1,329 SH SOLE 1,329 0 0
BLACKROCK INC COM 09290D101 512 439 SH SOLE 439 0 0
BOEING CO/THE COM 097023105 3,267 15,135 SH SOLE 15,135 0 0
BRISTOW GROUP INC COM 11040G103 209 5,790 SH SOLE 5,790 0 0
BROADCOM INC COM 11135F101 928 2,813 SH SOLE 2,813 0 0
CAMDEN NATIONAL CORP COM 133034108 211 5,464 SH SOLE 5,464 0 0
CAPITAL ONE FINL COM 14040h105 235 1,107 SH SOLE 1,107 0 0
CHEVRON CORP COM 166764100 14,549 93,690 SH SOLE 93,690 0 0
CHUBB LTD COM h1467j104 19,866 70,385 SH SOLE 70,385 0 0
CISCO SYSTEMS INC COM 17275R102 313 4,574 SH SOLE 4,574 0 0
CITIGROUP INC COM 172967424 10,075 99,265 SH SOLE 99,265 0 0
CONOCOPHILLIPS COM 20825C104 389 4,110 SH SOLE 4,110 0 0
COSTCO WHOLESALE CORP COM 22160K105 515 556 SH SOLE 556 0 0
DEERE & CO COM 244199105 1,523 3,330 SH SOLE 3,330 0 0
DELL TECHNOLOGIES -C COM 24703L202 22,344 157,606 SH SOLE 157,606 0 0
DORIAN LPG LTD COM y2106r110 313 10,500 SH SOLE 10,500 0 0
DUPONT DE NEMOURS INC COM 26614N102 818 10,500 SH SOLE 10,500 0 0
EATON CORP PLC COM g29183103 762 2,035 SH SOLE 2,035 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 591 7,595 SH SOLE 7,595 0 0
ELI LILLY & CO COM 532457108 21,212 27,800 SH SOLE 27,800 0 0
EMERSON ELECTRIC CO COM 291011104 10,665 81,303 SH SOLE 81,303 0 0
ENBRIDGE INC COM 29250N105 204 4,036 SH SOLE 4,036 0 0
ENERGY TRANSFER LP COM 29273V100 601 35,000 SH SOLE 35,000 0 0
EQT CORP COM 26884L109 753 13,827 SH SOLE 13,827 0 0
EXXON MOBIL CORP COM 30231G102 14,383 127,565 SH SOLE 127,565 0 0
FACTSET RESEARCH SYSTEMS INC COM 303075105 1,146 4,000 SH SOLE 4,000 0 0
FARMERS & MERCHANTS COM 30779n105 222 8,869 SH SOLE 8,869 0 0
FIFTH THIRD BANCORP COM 316773100 367 8,231 SH SOLE 8,231 0 0
FIRST CITIZENS COM 31946m103 1,374 768 SH SOLE 768 0 0
GLOBAL LIFE INC COM 37959e102 386 2,700 SH SOLE 2,700 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 579 727 SH SOLE 727 0 0
HARTFORD FINANCIAL SVCS GRP COM 416515104 534 4,000 SH SOLE 4,000 0 0
HILTON WORLDWIDE HOLDINGS INC COM 43300a203 4,300 16,575 SH SOLE 16,575 0 0
HOME DEPOT INC COM 437076102 15,043 37,126 SH SOLE 37,126 0 0
HONEYWELL INTERNATIONAL INC COM 438516106 298 1,415 SH SOLE 1,415 0 0
HOWMET AEROSPACE INC ISSUED COM 443201108 262 1,333 SH SOLE 1,333 0 0
INTL BUSINESS MACHINES CORP COM 459200101 40,971 145,206 SH SOLE 145,206 0 0
INTUIT INC COM 461202103 20,950 30,678 SH SOLE 30,678 0 0
INTUITIVE SURGICAL INC COM 46120E602 9,777 21,861 SH SOLE 21,861 0 0
ISHARES CORE S&P 500 ETF COM 464287200 369 552 SH SOLE 552 0 0
ISHARES RUSSELL 1000 VALUE COM 464287598 305 1,500 SH SOLE 1,500 0 0
ISHARES RUSSELL 1000 GROWTH COM 464287614 479 1,022 SH SOLE 1,022 0 0
ISHARES S&P 100 ETF COM 464287101 1,016 3,053 SH SOLE 3,053 0 0
JOHNSON & JOHNSON COM 478160104 607 3,276 SH SOLE 3,276 0 0
JPMORGAN CHASE & CO COM 46625H100 39,059 123,828 SH SOLE 123,828 0 0
LOCKHEED MARTIN CORP COM 539830109 2,107 4,221 SH SOLE 4,221 0 0
LOEWS CORP COM 540424108 251 2,500 SH SOLE 2,500 0 0
LOWE'S COS INC COM 548661107 242 961 SH SOLE 961 0 0
MARRIOTT INTERNATIONAL -CL A COM 571903202 18,528 71,141 SH SOLE 71,141 0 0
MARSH & MCLENNAN COS COM 571748102 353 1,750 SH SOLE 1,750 0 0
MASTERCARD INC - A COM 57636Q104 22,715 39,935 SH SOLE 39,935 0 0
MCDONALD'S CORP COM 580135101 17,093 56,246 SH SOLE 56,246 0 0
MCKESSON CORP COM 58155Q103 279 361 SH SOLE 361 0 0
MERCK & CO. INC. COM 58933Y105 872 10,395 SH SOLE 10,395 0 0
META PLATFORMS INC-CLASS A COM 30303M102 29,599 40,304 SH SOLE 40,304 0 0
MICROSOFT CORP COM 594918104 40,626 78,437 SH SOLE 78,437 0 0
MORGAN STANLEY COM 617446448 25,991 163,509 SH SOLE 163,509 0 0
NETFLIX INC COM 64110L106 40,299 33,613 SH SOLE 33,613 0 0
NEWMONT CORP COM 651639106 304 3,600 SH SOLE 3,600 0 0
NEXTERA ENERGY INC COM 65339F101 853 11,304 SH SOLE 11,304 0 0
NOVARTIS ADR COM 66987v109 385 3,000 SH SOLE 3,000 0 0
NVIDIA CORP COM 67066G104 77,587 415,839 SH SOLE 415,839 0 0
OLD REPUBLIC INTL CORP COM 680223104 526 12,375 SH SOLE 12,375 0 0
ORACLE CORP COM 68389X105 32,728 116,369 SH SOLE 116,369 0 0
PALANTIR TECHNOLOGIES INC COM 69608a108 7,150 39,195 SH SOLE 39,195 0 0
PEPSICO INC COM 713448108 1,505 10,718 SH SOLE 10,718 0 0
PFIZER INC COM 717081103 376 14,750 SH SOLE 14,750 0 0
PHILLIPS 66 COM 718546104 544 4,000 SH SOLE 4,000 0 0
PNC FINANCIAL SERVICES GROUP COM 693475105 203 1,012 SH SOLE 1,012 0 0
PROCTER & GAMBLE CO/THE COM 742718109 3,486 22,690 SH SOLE 22,690 0 0
PUBLIC SERVICE ENTERPRISE GP COM 744573106 1,345 16,115 SH SOLE 16,115 0 0
QUANTA SERVICES INC COM 74762e102 5,777 13,939 SH SOLE 13,939 0 0
REALTY INCOME CORP COM 756109104 608 10,000 SH SOLE 10,000 0 0
REDWOOD FINANCIALS INC COM 757903109 200 1,000 SH SOLE 1,000 0 0
REGENERON PHARMACEUTICALS COM 75886F107 313 557 SH SOLE 557 0 0
ROYAL CARIBBEAN GROUP COM v7780t103 8,853 27,360 SH SOLE 27,360 0 0
RTX CORP COM 75513E101 14,599 87,246 SH SOLE 87,246 0 0
SALESFORCE INC COM 79466L302 17,197 72,562 SH SOLE 72,562 0 0
SPDR GOLD SHARES COM 78463V107 241 677 SH SOLE 677 0 0
SPDR PORTFOLIO S&P 500 ETF COM 78464a854 405 5,169 SH SOLE 5,169 0 0
SPDR S&P 500 ETF TRUST COM 78462f103 8,632 12,958 SH SOLE 12,958 0 0
STRYKER CORP COM 863667101 12,216 33,045 SH SOLE 33,045 0 0
TAIWAN SEMICONDUCTOR-SP ADR COM 874039100 6,086 21,792 SH SOLE 21,792 0 0
TC ENERGY CORP COM 87807b107 218 4,000 SH SOLE 4,000 0 0
TESLA INC COM 88160R101 24,851 55,880 SH SOLE 55,880 0 0
THEGLOBE.COM INC COM 88335r101 3 10,000 SH SOLE 10,000 0 0
TOTALENERGIES SE COM 89151e109 298 5,000 SH SOLE 5,000 0 0
TRAVELERS COS INC/THE COM 89417E109 1,166 4,177 SH SOLE 4,177 0 0
UBER TECHNOLOGIES INC COM 90353T100 3,769 38,473 SH SOLE 38,473 0 0
UNION PACIFIC CORP COM 907818108 338 1,430 SH SOLE 1,430 0 0
VALLEY NATIONAL BANCORP COM 919794107 134 12,650 SH SOLE 12,650 0 0
VANGUARD GROWTH ETF COM 922908736 204 425 SH SOLE 425 0 0
VANGUARD S&P 500 ETF COM 922908363 271 443 SH SOLE 443 0 0
VISA INC-CLASS A SHARES COM 92826C839 260 760 SH SOLE 760 0 0
WALMART INC COM 931142103 21,168 205,392 SH SOLE 205,392 0 0
WASTE MANAGEMENT INC COM 94106L109 377 1,705 SH SOLE 1,705 0 0
WELLS FARGO & CO COM 949746101 21,769 259,717 SH SOLE 259,717 0 0