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 Co COM 88579Y101 608,782 3,760 SH SOLE 0 0 3,760
Abbott Laboratories COM 002824100 283,563 3,125 SH SOLE 0 0 3,125
AbbVie Inc COM 00287Y109 1,303,747 5,181 SH SOLE 0 0 5,181
Airbnb Inc COM 009066101 337,001 2,355 SH SOLE 0 0 2,355
Alphabet Inc Cl A COM 02079K305 6,350,108 17,769 SH SOLE 0 0 17,769
Alphabet Inc Cl C COM 02079K107 4,006,762 11,340 SH SOLE 0 0 11,340
American Electric Power Co COM 025537101 218,896 1,600 SH SOLE 0 0 1,600
American Express COM 025816109 3,634,496 10,745 SH SOLE 0 0 10,745
American Tower Corp COM 03027X100 593,759 3,630 SH SOLE 0 0 3,630
American Water Works Inc COM 030420103 358,556 2,725 SH SOLE 0 0 2,725
Amgen Inc COM 031162100 465,324 1,285 SH SOLE 0 0 1,285
Analog Devices Inc COM 032654105 317,736 800 SH SOLE 0 0 800
Apple Inc COM 037833100 9,310,737 32,177 SH SOLE 0 0 32,177
Applied Materials Inc COM 654902204 921,825 1,275 SH SOLE 0 0 1,275
Automatic Data Processing COM 053015103 1,786,001 7,975 SH SOLE 0 0 7,975
Bank of America Corp COM 060505104 2,499,713 43,870 SH SOLE 0 0 43,870
Becton Dickinson & Co COM 075887109 1,035,854 6,845 SH SOLE 0 0 6,845
Berkshire Hathaway Inc Cl B COM 084670702 4,409,937 8,813 SH SOLE 0 0 8,813
BHP Billiton Ltd ADR ADR 088606108 337,406 4,050 SH SOLE 0 0 4,050
Blackstone Group Inc COM 09260D107 1,150,813 9,780 SH SOLE 0 0 9,780
Capital One Financial COM 14040H105 288,893 1,440 SH SOLE 0 0 1,440
Carrier Global Corp COM 14448C104 232,886 3,175 SH SOLE 0 0 3,175
Caterpillar Inc COM 149123101 212,980 200 SH SOLE 0 0 200
Cava Group Inc COM 148929102 441,450 5,625 SH SOLE 0 0 5,625
Chevron Corp COM 166764100 1,736,336 10,475 SH SOLE 0 0 10,475
Chubb Limited COM H1467J104 252,148 740 SH SOLE 0 0 740
Cigna Corp COM 125509109 731,930 2,655 SH SOLE 0 0 2,655
Cisco Systems Inc COM 17275R102 4,274,957 36,395 SH SOLE 0 0 36,395
Clorox Company COM 189054109 207,582 2,175 SH SOLE 0 0 2,175
Coca-Cola Company COM 191216100 316,953 3,900 SH SOLE 0 0 3,900
Colgate-Palmolive Co COM 194162103 642,677 7,010 SH SOLE 0 0 7,010
ConocoPhillips COM 20825C104 902,373 8,680 SH SOLE 0 0 8,680
Consolidated Edison Inc COM 209115104 445,286 4,025 SH SOLE 0 0 4,025
Corning Inc COM 219350105 3,409,991 13,350 SH SOLE 0 0 13,350
Corteva Inc COM 22052L104 241,536 2,852 SH SOLE 0 0 2,852
Costco Wholesale Corp COM 22160K105 5,307,876 5,674 SH SOLE 0 0 5,674
CSX Corp COM 126408103 1,218,669 25,640 SH SOLE 0 0 25,640
eBay Inc COM 278642103 480,525 4,300 SH SOLE 0 0 4,300
Ecolab Inc COM 278865100 1,354,045 4,860 SH SOLE 0 0 4,860
Elevance Health COM 036752103 241,706 625 SH SOLE 0 0 625
Emerson Electric Co COM 291011104 200,410 1,400 SH SOLE 0 0 1,400
Essential Utilities Inc COM 29670G102 438,113 11,436 SH SOLE 0 0 11,436
ExxonMobil Holdings Corp COM 30231G102 352,054 2,575 SH SOLE 0 0 2,575
Fidelity High Dividend ETF 316092840 2,478,160 41,104 SH SOLE 0 0 41,104
Franklin Financial Services COM 353525108 219,100 3,500 SH SOLE 0 0 3,500
Globus Medical Inc A COM 379577208 3,160,400 40,000 SH SOLE 0 0 40,000
Grainger W W Inc COM 384802104 217,664 160 SH SOLE 0 0 160
Hilton Worldwide Hldgs COM 43300A203 256,107 775 SH SOLE 0 0 775
Home Depot Inc COM 437076102 1,979,946 5,614 SH SOLE 0 0 5,614
Honeywell Aerospace Inc COM 43849R105 337,810 1,528 SH SOLE 0 0 1,528
Honeywell International Inc COM 438516106 342,567 1,530 SH SOLE 0 0 1,530
IBM Corp COM 459200101 281,210 1,000 SH SOLE 0 0 1,000
IdaCorp Incorporated COM 451107106 1,109,937 7,336 SH SOLE 0 0 7,336
Intel Corp COM 458140100 317,658 2,275 SH SOLE 0 0 2,275
Intuit Inc COM 461202103 1,740,870 6,670 SH SOLE 0 0 6,670
Invesco QQQ Trust ETF 46090E103 835,814 1,135 SH SOLE 0 0 1,135
Invesco S&P 500 Eq Wt ETF 46137V357 3,235,185 15,205 SH SOLE 0 0 15,205
iShares Core Growth Allocation ETF 464289867 666,789 9,594 SH SOLE 0 0 9,594
iShares Core Moderate Allocati ETF 464289875 1,358,471 27,229 SH SOLE 0 0 27,229
iShares Core MSCI EAFE ETF 46432F842 2,689,230 27,845 SH SOLE 0 0 27,845
iShares Core S&P US Growth ETF 464287671 792,799 4,215 SH SOLE 0 0 4,215
iShares iBonds Dec 2026 Term C ETF 46435GAA0 2,183,729 90,125 SH SOLE 0 0 90,125
iShares iBonds Dec 2026 Term M ETF 46435U259 1,038,424 40,500 SH SOLE 0 0 40,500
iShares iBonds Dec 2027 Term C ETF 46435UAA9 3,065,889 126,585 SH SOLE 0 0 126,585
iShares iBonds Dec 2027 Term M ETF 46435U283 1,143,900 45,000 SH SOLE 0 0 45,000
iShares iBonds Dec 2028 Term C ETF 46435U515 3,657,463 144,850 SH SOLE 0 0 144,850
iShares iBonds Dec 2028 Term M ETF 46435U325 1,266,210 49,500 SH SOLE 0 0 49,500
iShares iBonds Dec 2029 Term C ETF 46436E205 3,168,288 136,800 SH SOLE 0 0 136,800
iShares iBonds Dec 2029 Term M ETF 46436E163 1,231,415 48,500 SH SOLE 0 0 48,500
iShares iBonds Dec 2030 Term C ETF 46436E726 2,220,330 101,850 SH SOLE 0 0 101,850
iShares iBonds Dec 2030 Term M ETF 46438G687 1,099,475 42,500 SH SOLE 0 0 42,500
iShares iBonds Dec 2031 Term C ETF 46436E486 1,428,582 68,550 SH SOLE 0 0 68,550
iShares iBonds Dec 2031 Term M ETF 46438G356 541,800 21,000 SH SOLE 0 0 21,000
iShares MSCI EAFE Index ETF 464287465 415,520 4,000 SH SOLE 0 0 4,000
iShares MSCI EmergMkt Min Vol ETF 464286533 587,184 7,800 SH SOLE 0 0 7,800
iShares National Muni ETF 464288414 1,221,487 11,350 SH SOLE 0 0 11,350
iShares Russell 2000 Index ETF 464287655 3,821,724 12,720 SH SOLE 0 0 12,720
iShares Russell Top 200 Growth ETF 464289438 1,048,848 3,609 SH SOLE 0 0 3,609
iShares Short Term Nat Muni Bd ETF 464288158 1,368,140 12,850 SH SOLE 0 0 12,850
Johnson & Johnson COM 478160104 2,971,703 11,701 SH SOLE 0 0 11,701
JP Morgan Chase & Co COM 46625H100 3,067,082 9,370 SH SOLE 0 0 9,370
L3Harris Technologies Inc COM 502431109 998,177 3,435 SH SOLE 0 0 3,435
Labcorp Hldgs Inc. COM 50540R409 439,600 1,570 SH SOLE 0 0 1,570
Lilly Eli & Co COM 532457108 251,880 210 SH SOLE 0 0 210
Lockheed Martin Corp COM 539830109 560,406 1,100 SH SOLE 0 0 1,100
Lowes Companies Inc COM 548661107 1,649,265 7,480 SH SOLE 0 0 7,480
Markel Corp COM 570535104 289,045 148 SH SOLE 0 0 148
Masco Corp COM 574599106 398,713 4,900 SH SOLE 0 0 4,900
Mastercard Inc COM 57636Q104 493,056 960 SH SOLE 0 0 960
McDonalds Corp COM 580135101 1,110,974 4,110 SH SOLE 0 0 4,110
Merck & Co COM 58933Y105 1,507,948 11,735 SH SOLE 0 0 11,735
MetLife Inc COM 59156R108 444,203 5,250 SH SOLE 0 0 5,250
Microsoft Corporation COM 594918104 7,357,820 19,725 SH SOLE 0 0 19,725
Mondelez Intl Inc Cl A COM 609207105 571,170 9,875 SH SOLE 0 0 9,875
NextEra Energy Inc COM 65339F101 799,585 9,110 SH SOLE 0 0 9,110
Oracle Corp COM 68389X105 4,302,708 29,360 SH SOLE 0 0 29,360
Paychex Inc COM 704326107 1,637,686 16,655 SH SOLE 0 0 16,655
Pepsico Inc COM 713448108 1,127,205 8,325 SH SOLE 0 0 8,325
Phillips 66 COM 718546104 1,200,255 7,100 SH SOLE 0 0 7,100
Procter & Gamble COM 742718109 2,103,551 14,345 SH SOLE 0 0 14,345
Qnity Electronics Inc COM 74743L100 314,208 1,924 SH SOLE 0 0 1,924
Quest Diagnostics Inc COM 74834L100 694,136 3,275 SH SOLE 0 0 3,275
Republic Services Inc COM 760759100 346,255 1,625 SH SOLE 0 0 1,625
RPM International COM 749685103 928,658 8,355 SH SOLE 0 0 8,355
RTX Corp COM 75513E101 1,521,824 8,021 SH SOLE 0 0 8,021
Schwab US Small Cap ETF 808524607 317,944 8,800 SH SOLE 0 0 8,800
Simon Property Group COM 828806109 251,606 1,125 SH SOLE 0 0 1,125
Solstice Advanced Materials In COM 83443Q103 716,597 8,088 SH SOLE 0 0 8,088
Southern Company COM 842587107 239,275 2,500 SH SOLE 0 0 2,500
SPDR Portfolio High Yield Bond ETF 78468R606 621,160 26,500 SH SOLE 0 0 26,500
SPDR S&P 500 ETF 78462F103 1,400,194 1,875 SH SOLE 0 0 1,875
Starbucks Corp COM 855244109 1,390,806 13,610 SH SOLE 0 0 13,610
Sysco Corporation COM 871829107 1,880,550 22,500 SH SOLE 0 0 22,500
T Rowe Price Capital Apprec Eq ETF 87283Q867 2,116,650 51,500 SH SOLE 0 0 51,500
Taiwan Semiconductor Mfg ADR ADR 874039100 1,941,322 4,065 SH SOLE 0 0 4,065
Target Corporation COM 87612E106 385,300 2,950 SH SOLE 0 0 2,950
TJX Companies Inc COM 872540109 1,903,598 12,565 SH SOLE 0 0 12,565
Uber Technologies Inc COM 90353T100 923,648 12,800 SH SOLE 0 0 12,800
Union Pacific Corp COM 907818108 353,600 1,300 SH SOLE 0 0 1,300
UnitedHealth Group Inc COM 91324P102 808,400 1,945 SH SOLE 0 0 1,945
Valero Energy Corp COM 91913Y100 1,875,168 7,200 SH SOLE 0 0 7,200
Vanguard Div Appreciation ETF 921908844 1,475,089 6,234 SH SOLE 0 0 6,234
Vanguard Info Technology ETF 92204A702 411,149 3,440 SH SOLE 0 0 3,440
Vanguard REIT ETF 922908553 789,280 8,185 SH SOLE 0 0 8,185
Vanguard S&P Small-Cap 600 Gro ETF 921932794 227,829 1,485 SH SOLE 0 0 1,485
Vanguard Short Term Bond Index ETF 921937827 263,140 3,377 SH SOLE 0 0 3,377
Vanguard Total Stock Mkt ETF 922908769 552,573 1,493 SH SOLE 0 0 1,493
Vgd Consumer Discretionary ETF 92204A108 378,763 955 SH SOLE 0 0 955
Vgd Int Term Bond Index Fund ETF 921937819 275,616 3,593 SH SOLE 0 0 3,593
Visa Inc COM 92826C839 1,284,872 3,745 SH SOLE 0 0 3,745
Walmart Inc COM 931142103 1,566,952 13,835 SH SOLE 0 0 13,835
Waste Connections Inc COM 94106B101 528,407 3,170 SH SOLE 0 0 3,170
Waste Management Inc COM 94106L109 1,862,162 8,355 SH SOLE 0 0 8,355
Waters Corp COM 941848103 667,946 1,781 SH SOLE 0 0 1,781
WR Berkley Corp COM 084423102 3,184,994 45,158 SH SOLE 0 0 45,158
YUM! Brands Inc COM 988498101 948,769 5,935 SH SOLE 0 0 5,935
Zoetis Inc COM 98978V103 568,413 7,910 SH SOLE 0 0 7,910