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 5,109 25,719 SH   SOLE   0 0 25,719
A F L A C INC COM 001055102 6,257 116,601 SH   SOLE   0 0 116,601
A T & T INC NEW COM 00206R102 4,232 147,042 SH   SOLE   0 0 147,042
ABBOTT LABORATORIES COM 002824100 3,202 27,621 SH   SOLE   0 0 27,621
ABBVIE INC COM 00287Y109 5,546 49,240 SH   SOLE   0 0 49,240
ACME UNITED CORP COM 004816104 647 14,525 SH   SOLE   0 0 14,525
ADVANSIX INC COM 00773T101 735 24,630 SH   SOLE   0 0 24,630
AFFILIATED MANAGERS GROUP COM 008252108 1,066 6,911 SH   SOLE   0 0 6,911
AKAMAI TECHNOLOGIES COM 00971T101 804 6,895 SH   SOLE   0 0 6,895
ALGONQUIN POWER & UTILITIES COM 015857105 493 33,100 SH   SOLE   0 0 33,100
ALLIANCE DATA SYSTEMS CORP COM 018581108 1,797 17,252 SH   SOLE   0 0 17,252
ALLSTATE CORP COM 020002101 9,423 72,241 SH   SOLE   0 0 72,241
ALPHABET INC-CL A COM 38259P508 571 234 SH   SOLE   0 0 234
ALPHABET INC-CL C COM 02079K107 14,086 5,620 SH   SOLE   0 0 5,620
ALTRIA GROUP INC COM 02209S103 208 4,368 SH   SOLE   0 0 4,368
AMAZON.COM INC COM 023135106 1,730 503 SH   SOLE   0 0 503
AMCOR PLC COM G0250X107 2,349 204,995 SH   SOLE   0 0 204,995
AMERICAN EXPRESS CO COM 025816109 8,408 50,887 SH   SOLE   0 0 50,887
AMGEN INCORPORATED COM 031162100 249 1,023 SH   SOLE   0 0 1,023
ANALOG DEVICES INC COM 032654105 4,723 27,433 SH   SOLE   0 0 27,433
AON PLC COM G0408V102 960 4,019 SH   SOLE   0 0 4,019
APOGEE ENTERPRISES COM 037598109 382 9,385 SH   SOLE   0 0 9,385
APOLLO INVESTMENT CORP COM 03761U502 1,123 82,260 SH   SOLE   0 0 82,260
APPLE INC COM 037833100 1,798 13,131 SH   SOLE   0 0 13,131
APPLIED MATERIALS INC COM 038222105 4,199 29,486 SH   SOLE   0 0 29,486
ARES CAPITAL CORP COM 04010L103 3,832 195,634 SH   SOLE   0 0 195,634
ARGAN INC COM 04010E109 1,015 21,230 SH   SOLE   0 0 21,230
ASSOCIATED BANC-CORP COM 045487105 473 23,095 SH   SOLE   0 0 23,095
ASSURANT INC COM 04621X108 797 5,100 SH   SOLE   0 0 5,100
ATLAS AIR WORLDWIDE HOLDINGS COM 049164205 4,545 66,728 SH   SOLE   0 0 66,728
AUTOMATIC DATA PROCESSING COM 053015103 279 1,407 SH   SOLE   0 0 1,407
BANK OF AMERICA CORP COM 060505104 1,083 26,263 SH   SOLE   0 0 26,263
BANK OF NY MELLON CP NEW COM 064058100 2,817 54,995 SH   SOLE   0 0 54,995
BAXTER INTERNATIONAL COM 071813109 2,963 36,812 SH   SOLE   0 0 36,812
BECTON DICKINSON & CO COM 075887109 396 1,630 SH   SOLE   0 0 1,630
BERKSHIRE HATHAWAY B NEW CLASS COM 084670702 8,604 30,957 SH   SOLE   0 0 30,957
BERKSHIRE HATHAWAY CL-A COM 084670108 419 1 SH   SOLE   0 0 1
BERKSHIRE HILLS BANCORP INC COM 084680107 487 17,780 SH   SOLE   0 0 17,780
BOEING CO COM 097023105 285 1,190 SH   SOLE   0 0 1,190
BP PLC (ADR) COM 055622104 355 13,455 SH   SOLE   0 0 13,455
BRISTOL-MYERS SQUIBB CO COM 110122108 3,676 55,007 SH   SOLE   0 0 55,007
BROOKFIELD ASSET MANAGEMENT IN COM 112585104 275 5,400 SH   SOLE   0 0 5,400
CARDINAL HEALTH COM 14149Y108 855 14,985 SH   SOLE   0 0 14,985
CATERPILLAR INC COM 149123101 218 1,000 SH   SOLE   0 0 1,000
CHEVRON CORPORATION COM 166764100 271 2,592 SH   SOLE   0 0 2,592
CIGNA CORP COM 125523100 3,308 13,953 SH   SOLE   0 0 13,953
CISCO SYSTEMS INC COM 17275R102 4,810 90,746 SH   SOLE   0 0 90,746
CITIGROUP INC COM 172967424 8,518 120,396 SH   SOLE   0 0 120,396
COCA COLA COMPANY COM 191216100 553 10,214 SH   SOLE   0 0 10,214
COHEN & STEERS QUAL INC RLTY COM 19247L106 167 10,600 SH   SOLE   0 0 10,600
COMCAST CORP CL A COM 20030N101 5,375 94,270 SH   SOLE   0 0 94,270
COMMERCIAL METALS CO COM 201723103 2,105 68,525 SH   SOLE   0 0 68,525
COMPASS MINERALS INTERNATIONAL COM 20451N101 3,020 50,968 SH   SOLE   0 0 50,968
CONAGRA FOODS INC COM 205887102 1,366 37,543 SH   SOLE   0 0 37,543
CONOCOPHILLIPS COM 20825C104 1,092 17,931 SH   SOLE   0 0 17,931
CONSOLIDATED EDISON INC COM 209115104 497 6,925 SH   SOLE   0 0 6,925
CRANE CO COM 224399105 1,400 15,154 SH   SOLE   0 0 15,154
CVS INC COM 126650100 7,578 90,821 SH   SOLE   0 0 90,821
DELTA AIRLINES INC COM 247361702 5,204 120,297 SH   SOLE   0 0 120,297
DELUXE CORPORATION COM 248019101 1,249 26,151 SH   SOLE   0 0 26,151
DEVON ENERGY CP NEW COM 25179M103 296 10,155 SH   SOLE   0 0 10,155
DISCOVERY, INC - A COM 25470F104 1,066 34,750 SH   SOLE   0 0 34,750
DOCUSIGN, INC COM 256163106 839 3,000 SH   SOLE   0 0 3,000
DOVER CORPORATION COM 260003108 263 1,746 SH   SOLE   0 0 1,746
DOW INC COM 260557103 3,582 56,607 SH   SOLE   0 0 56,607
DR HORTON INC COM 23331A109 994 11,000 SH   SOLE   0 0 11,000
DUKE ENERGY CORP NEW COM 26441C204 217 2,200 SH   SOLE   0 0 2,200
E O G RESOURCES INC COM 26875P101 534 6,400 SH   SOLE   0 0 6,400
ELI LILLY & CO COM 532457108 392 1,707 SH   SOLE   0 0 1,707
EXXON MOBIL CORP COM 30231G102 1,309 20,749 SH   SOLE   0 0 20,749
FEDEX CORPORATION COM 31428X106 9,825 32,932 SH   SOLE   0 0 32,932
FIDELITY NATIONAL FINL-A COM 31620R303 862 19,830 SH   SOLE   0 0 19,830
FIFTH THIRD BANCORP COM 316773100 590 15,435 SH   SOLE   0 0 15,435
FIREEYE INC COM 31816Q101 653 32,300 SH   SOLE   0 0 32,300
FIRST HORIZON CORPORATION COM 320517105 2,202 127,440 SH   SOLE   0 0 127,440
FIVE POINT HOLDINGS LLC COM 33833Q106 122 15,100 SH   SOLE   0 0 15,100
FREQUENCY THERAPEUTICS, INC COM 35803L108 110 11,000 SH   SOLE   0 0 11,000
GENERAL MILLS INC COM 370334104 829 13,600 SH   SOLE   0 0 13,600
GENTEX CORP COM 371901109 1,048 31,685 SH   SOLE   0 0 31,685
GENUINE PARTS CO COM 372460105 5,997 47,417 SH   SOLE   0 0 47,417
GILEAD SCIENCES INC COM 375558103 1,502 21,818 SH   SOLE   0 0 21,818
GOLDMAN SACHS GROUP INC COM 38141G104 8,513 22,430 SH   SOLE   0 0 22,430
GROUP 1 AUTOMOTIVE COM 398905109 3,500 22,662 SH   SOLE   0 0 22,662
HEIDRICK & STRUGGLES INC COM 422819102 324 7,270 SH   SOLE   0 0 7,270
HELEN OF TROY LTD COM G4388N106 812 3,558 SH   SOLE   0 0 3,558
HILLENBRAND INC COM 431571108 343 7,780 SH   SOLE   0 0 7,780
HONEYWELL INTERNATIONAL COM 438516106 444 2,026 SH   SOLE   0 0 2,026
INTEL CORP COM 458140100 7,427 132,302 SH   SOLE   0 0 132,302
INTERNATIONAL PAPER COM 460146103 5,320 86,779 SH   SOLE   0 0 86,779
INTL BUSINESS MACHINES COM 459200101 3,941 26,884 SH   SOLE   0 0 26,884
INVESCO S&P EQUAL WEIGHT COM 46137V357 310 2,054 SH   SOLE   0 0 2,054
IRON MOUNTAIN INC COM 46284V101 1,185 28,005 SH   SOLE   0 0 28,005
ISHARES MSCI EAFE ETF COM 464287465 2,473 31,354 SH   SOLE   0 0 31,354
ISHARES RUSSELL 2000 VALUE COM 464287630 837 5,050 SH   SOLE   0 0 5,050
ISHARES RUSSELL 3000 INDEX COM 464287689 293 1,145 SH   SOLE   0 0 1,145
ISHARES TR BARCLAYS TIPS BOND COM 464287176 705 5,504 SH   SOLE   0 0 5,504
ITT INC COM 45073V108 2,480 27,078 SH   SOLE   0 0 27,078
JANUS HENDERSON GROUP PLC COM G4474Y214 204 5,261 SH   SOLE   0 0 5,261
JEFFERIES FINANCIAL GROUP INC COM 47233W109 807 23,590 SH   SOLE   0 0 23,590
JOHNSON & JOHNSON COM 478160104 7,166 43,500 SH   SOLE   0 0 43,500
JOHNSON CONTROLS INC COM G51502105 1,018 14,828 SH   SOLE   0 0 14,828
JPMORGAN CHASE & CO COM 46625H100 941 6,050 SH   SOLE   0 0 6,050
KANSAS CITY SOUTHERN COM 485170302 255 900 SH   SOLE   0 0 900
KIMBERLY-CLARK CORP COM 494368103 4,477 33,466 SH   SOLE   0 0 33,466
KINROSS GOLD CORP NEW COM 496902404 1,080 170,105 SH   SOLE   0 0 170,105
KNOWLES CORP COM 49926D109 718 36,380 SH   SOLE   0 0 36,380
LABORATORY CRP OF AMER HLDGS COM 50540R409 1,185 4,295 SH   SOLE   0 0 4,295
LANDSTAR SYSTEM INC COM 515098101 1,463 9,260 SH   SOLE   0 0 9,260
LCI INDUSTRIES COM 50189K103 1,981 15,072 SH   SOLE   0 0 15,072
LENNAR CORP-A COM 526057104 606 6,100 SH   SOLE   0 0 6,100
LKQ CORP COM 501889208 8,161 165,813 SH   SOLE   0 0 165,813
LOCKHEED MARTIN CORP COM 539830109 5,186 13,708 SH   SOLE   0 0 13,708
LOWE'S COS INC COM 548661107 6,844 35,286 SH   SOLE   0 0 35,286
M/I HOMES INC COM 55305B101 1,393 23,740 SH   SOLE   0 0 23,740
MATSON, INC COM 57686G105 1,119 17,480 SH   SOLE   0 0 17,480
MEDICAL PROPERTIES TRUST INC COM 58463J304 3,837 190,890 SH   SOLE   0 0 190,890
MEDTRONIC PLC COM G5960L103 5,812 46,825 SH   SOLE   0 0 46,825
MERCK & CO INC NEW COM 58933Y105 2,320 29,837 SH   SOLE   0 0 29,837
METLIFE INC COM 59156R108 1,726 28,836 SH   SOLE   0 0 28,836
MICROSOFT CORP COM 594918104 17,632 65,087 SH   SOLE   0 0 65,087
MILLER INDS INC TENN COM NEW COM 600551204 990 25,105 SH   SOLE   0 0 25,105
MKS INSTRUMENTS INC COM 55306N104 1,258 7,070 SH   SOLE   0 0 7,070
MODINE MANUFACTURING CO COM 607828100 302 18,195 SH   SOLE   0 0 18,195
MOTOROLA SOLUTIONS INC COM 620076307 960 4,428 SH   SOLE   0 0 4,428
NASDAQ INC COM 631103108 207 1,175 SH   SOLE   0 0 1,175
NCR CORP NEW COM 62886E108 1,013 22,220 SH   SOLE   0 0 22,220
NEW YORK COMMUNITY BANCORP COM 649445103 818 74,230 SH   SOLE   0 0 74,230
NOMAD FOODS LTD COM G6564A105 1,066 37,705 SH   SOLE   0 0 37,705
NOVARTIS A G SPON ADR COM 66987V109 3,111 34,093 SH   SOLE   0 0 34,093
NUTRIEN LTD COM 67077M108 407 6,717 SH   SOLE   0 0 6,717
NVIDIA CORP COM 67066G104 836 1,045 SH   SOLE   0 0 1,045
NYMOX PHARMACEUTICAL CORP COM P73398102 20 12,850 SH   SOLE   0 0 12,850
OMNICOM GROUP INC COM 681919106 6,641 83,022 SH   SOLE   0 0 83,022
ORACLE CORPORATION COM 68389X105 924 11,865 SH   SOLE   0 0 11,865
OTTER TAIL POWER COM 689648100 205 4,200 SH   SOLE   0 0 4,200
PACKAGING CORP OF AMERICA COM 695156109 230 1,700 SH   SOLE   0 0 1,700
PARK HOTELS & RESORTS INC COM 700517105 792 38,445 SH   SOLE   0 0 38,445
PATTERSON COS INC COM 703395103 248 8,150 SH   SOLE   0 0 8,150
PAYCHEX INC COM 704326107 215 2,000 SH   SOLE   0 0 2,000
PENNANTPARK INVESTMENT CORP COM 708062104 129 19,375 SH   SOLE   0 0 19,375
PENTAIR PLC COM G7S00T104 1,728 25,610 SH   SOLE   0 0 25,610
PEPSICO INC COM 713448108 528 3,561 SH   SOLE   0 0 3,561
PFIZER INCORPORATED COM 717081103 6,494 165,838 SH   SOLE   0 0 165,838
PIONEER NATURAL RES CO COM 723787107 760 4,676 SH   SOLE   0 0 4,676
PLANTRONICS INC COM 727493108 483 11,582 SH   SOLE   0 0 11,582
PNC FINANCIAL SERVICES GROUP COM 693475105 11,877 62,261 SH   SOLE   0 0 62,261
PROCTER & GAMBLE COM 742718109 1,263 9,364 SH   SOLE   0 0 9,364
PROGRESSIVE CORP COM 743315103 767 7,809 SH   SOLE   0 0 7,809
PRUDENTIAL FINANCIAL INC COM 744320102 698 6,810 SH   SOLE   0 0 6,810
PURE TECH HEALTH PLC COM GB00BY2Z0 471 100,000 SH   SOLE   0 0 100,000
RAYTHEON TECHNOLOGIES COM 75513E101 3,225 37,804 SH   SOLE   0 0 37,804
ROYAL DUTCH SHELL PLC SPONS COM 780259107 268 6,897 SH   SOLE   0 0 6,897
S P D R S&P 500 COM 78462F103 2,968 6,933 SH   SOLE   0 0 6,933
SAFEGUARD SCIENT INC NEW COM 786449207 244 31,450 SH   SOLE   0 0 31,450
SAFETY INSURANCE GROUP INC COM 78648T100 333 4,257 SH   SOLE   0 0 4,257
SALESFORCE.COM COM 79466L302 440 1,800 SH   SOLE   0 0 1,800
SCH US TIPS ETF COM 808524870 370 5,924 SH   SOLE   0 0 5,924
SCHLUMBERGER LTD COM 806857108 674 21,060 SH   SOLE   0 0 21,060
SCHWAB US BROAD MARKET ETF COM 808524102 306 2,935 SH   SOLE   0 0 2,935
SCHWAB US LARGE-CAP GROWTH COM 808524300 398 2,725 SH   SOLE   0 0 2,725
SENSIENT TECHNOLOGIES CORP COM 81725T100 1,603 18,515 SH   SOLE   0 0 18,515
SNAP ON INC COM 833034101 2,631 11,775 SH   SOLE   0 0 11,775
SPECTRUM BRANDS HOLDINGS INC COM 84790A105 3,935 46,268 SH   SOLE   0 0 46,268
STAG INDUSTRIAL INC COM 85254J102 384 10,250 SH   SOLE   0 0 10,250
STANDARD MOTOR PRODUCTS INC COM 853666105 1,322 30,500 SH   SOLE   0 0 30,500
STRYKER CORP COM 863667101 653 2,516 SH   SOLE   0 0 2,516
SUNCOR ENERGY INC NEW F COM 867224107 2,260 94,278 SH   SOLE   0 0 94,278
TAYLOR MORRISON HOME CORP COM 87724P106 694 26,266 SH   SOLE   0 0 26,266
TE CONNECTIVITY LTD F COM H84989104 4,240 31,362 SH   SOLE   0 0 31,362
TERRITORIAL BANCORP INC COM COM 88145X108 980 37,740 SH   SOLE   0 0 37,740
TRAVELERS COMPANIES INC COM 89417E109 987 6,596 SH   SOLE   0 0 6,596
UFP INDUSTRIES, INC COM 90278Q108 1,096 14,740 SH   SOLE   0 0 14,740
UFP TECHNOLOGIES INC COM 902673102 386 6,730 SH   SOLE   0 0 6,730
UNITEDHEALTH GROUP INC COM 91324P102 7,708 19,248 SH   SOLE   0 0 19,248
UNIVERSAL ELECTRONICS INC COM 913483103 499 10,280 SH   SOLE   0 0 10,280
VANGUARD FTSE EUROPE ETF COM 922042874 643 9,559 SH   SOLE   0 0 9,559
VANGUARD TOTAL INTERNATIONAL S COM 921909768 512 7,797 SH   SOLE   0 0 7,797
VERIZON COMMUNICATIONS COM 92343V104 4,221 75,328 SH   SOLE   0 0 75,328
VERTEX PHARMACEUTICALS COM 92532F100 645 3,200 SH   SOLE   0 0 3,200
VIACOMCBS INC COM 92556H206 1,337 29,570 SH   SOLE   0 0 29,570
VISA INC-CLASS A COM 92826C839 3,030 12,957 SH   SOLE   0 0 12,957
ZIMMER BIOMET HOLDINGS INC COM 98956P102 1,333 8,290 SH   SOLE   0 0 8,290
iSHARES BARCLAYS AGGREGATE BON COM 464287226 417 3,619 SH   SOLE   0 0 3,619
iSHARES MSCI EMERGING MARKET I COM 464287234 285 5,169 SH   SOLE   0 0 5,169
iSHARES RUSSELL MIDCAP VALUE COM 464287473 646 5,622 SH   SOLE   0 0 5,622