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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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 432 2,460 SH   SOLE   0 0 2,460
Abbott Laboratories COM 002824100 443 3,750 SH   SOLE   0 0 3,750
AbbVie Inc COM 00287Y109 823 7,631 SH   SOLE   0 0 7,631
Alphabet Inc Cl A COM 02079K305 3,072 1,149 SH   SOLE   0 0 1,149
Alphabet Inc Cl C COM 02079K107 1,948 731 SH   SOLE   0 0 731
American Express COM 025816109 2,337 13,949 SH   SOLE   0 0 13,949
American Tower Corp COM 03027X100 1,719 6,475 SH   SOLE   0 0 6,475
American Water Works Inc COM 030420103 887 5,250 SH   SOLE   0 0 5,250
Anthem Inc COM 036752103 267 715 SH   SOLE   0 0 715
Apple Inc COM 037833100 7,422 52,449 SH   SOLE   0 0 52,449
Automatic Data Processing COM 053015103 2,029 10,150 SH   SOLE   0 0 10,150
Bank of America Corp COM 060505104 2,202 51,875 SH   SOLE   0 0 51,875
Becton Dickinson & Co COM 075887109 1,418 5,770 SH   SOLE   0 0 5,770
Berkley W R Corporation COM 084423102 2,090 28,562 SH   SOLE   0 0 28,562
Berkshire Hathaway Inc Cl B COM 084670702 3,312 12,133 SH   SOLE   0 0 12,133
BHP Billiton Ltd ADR COM 088606108 252 4,700 SH   SOLE   0 0 4,700
Blackstone Group Inc COM 09260D107 1,277 10,975 SH   SOLE   0 0 10,975
Bristol-Myers Squibb Co COM 110122108 346 5,850 SH   SOLE   0 0 5,850
Chevron Corp COM 166764100 1,391 13,710 SH   SOLE   0 0 13,710
Cigna Corp COM 125509109 632 3,156 SH   SOLE   0 0 3,156
Cisco Systems Inc COM 17275R102 2,347 43,122 SH   SOLE   0 0 43,122
Citigroup Inc COM 172967424 370 5,275 SH   SOLE   0 0 5,275
Clorox Company COM 189054109 501 3,025 SH   SOLE   0 0 3,025
Coca-Cola Company COM 191216100 218 4,150 SH   SOLE   0 0 4,150
Colgate-Palmolive Co COM 194162103 828 10,960 SH   SOLE   0 0 10,960
Comcast Corp Class A COM 20030N101 1,428 25,525 SH   SOLE   0 0 25,525
ConocoPhillips COM 20825C104 654 9,650 SH   SOLE   0 0 9,650
Consolidated Edison Inc COM 209115104 403 5,550 SH   SOLE   0 0 5,550
Costco Wholesale Corp COM 22160K105 3,723 8,286 SH   SOLE   0 0 8,286
CSX Corp COM 126408103 1,013 34,050 SH   SOLE   0 0 34,050
CVS Health Corporation COM 126650100 1,082 12,750 SH   SOLE   0 0 12,750
Danaher Corp COM 235851102 487 1,600 SH   SOLE   0 0 1,600
Disney (Walt) Company COM 254687106 1,066 6,302 SH   SOLE   0 0 6,302
DuPont de Nemours Inc COM 26614N102 537 7,898 SH   SOLE   0 0 7,898
eBay Inc COM 278642103 467 6,700 SH   SOLE   0 0 6,700
Ecolab Inc COM 278865100 1,204 5,770 SH   SOLE   0 0 5,770
Emerson Electric Co COM 291011104 207 2,200 SH   SOLE   0 0 2,200
Essential Utilities Inc COM 29670G102 1,451 31,486 SH   SOLE   0 0 31,486
Globus Medical Inc COM 379577208 5,651 73,748 SH   SOLE   0 0 73,748
Hershey Company COM 427866108 355 2,100 SH   SOLE   0 0 2,100
Home Depot Inc COM 437076102 2,396 7,299 SH   SOLE   0 0 7,299
Honeywell International Inc COM 438516106 218 1,025 SH   SOLE   0 0 1,025
IdaCorp Incorporated COM 451107106 758 7,336 SH   SOLE   0 0 7,336
Intel Corp COM 458140100 950 17,830 SH   SOLE   0 0 17,830
Intl Flavors & Fragrances COM 459506101 686 5,130 SH   SOLE   0 0 5,130
Intuit Inc COM 461202103 5,738 10,635 SH   SOLE   0 0 10,635
Invesco Preferred ETF 46138E511 2,236 148,758 SH   SOLE   0 0 148,758
Invesco QQQ Trust ETF 46090E103 609 1,700 SH   SOLE   0 0 1,700
Invesco S&P 500 Eq Wt ETF 46137V357 2,176 14,526 SH   SOLE   0 0 14,526
iShares Core Growth Allocation ETF 464289867 293 5,289 SH   SOLE   0 0 5,289
iShares Core Moderate Allocati ETF 464289875 389 8,706 SH   SOLE   0 0 8,706
iShares Core MSCI EAFE ETF 46432F842 1,983 26,704 SH   SOLE   0 0 26,704
iShares Core S&P US Growth ETF 464287671 450 4,395 SH   SOLE   0 0 4,395
iShares MSCI EAFE Index ETF 464287465 265 3,400 SH   SOLE   0 0 3,400
iShares MSCI EmergMkt Min Vol ETF 464286533 570 9,100 SH   SOLE   0 0 9,100
iShares Russell 2000 Index ETF 464287655 3,000 13,715 SH   SOLE   0 0 13,715
iShares Short Term Corporate ETF 464288646 462 8,449 SH   SOLE   0 0 8,449
Johnson & Johnson COM 478160104 2,210 13,686 SH   SOLE   0 0 13,686
JP Morgan Chase & Co COM 46625H100 1,919 11,725 SH   SOLE   0 0 11,725
Kimberly-Clark Corp COM 494368103 240 1,812 SH   SOLE   0 0 1,812
L3Harris Technologies Inc COM 502431109 1,013 4,600 SH   SOLE   0 0 4,600
Lockheed Martin Corp COM 539830109 440 1,275 SH   SOLE   0 0 1,275
Lowes Companies Inc COM 548661107 2,406 11,860 SH   SOLE   0 0 11,860
Masco Corp COM 574599106 433 7,800 SH   SOLE   0 0 7,800
Mastercard Inc COM 57636Q104 330 950 SH   SOLE   0 0 950
McDonalds Corp COM 580135101 1,160 4,810 SH   SOLE   0 0 4,810
Merck & Co COM 58933Y105 1,833 24,403 SH   SOLE   0 0 24,403
MetLife Inc COM 59156R108 549 8,900 SH   SOLE   0 0 8,900
Microsoft Corporation COM 594918104 9,389 33,304 SH   SOLE   0 0 33,304
Mondelez Intl Inc Cl A COM 609207105 970 16,675 SH   SOLE   0 0 16,675
NextEra Energy Inc COM 65339F101 648 8,250 SH   SOLE   0 0 8,250
Oracle Corp COM 68389X105 3,168 36,360 SH   SOLE   0 0 36,360
Organon & Co COM 68622V106 671 20,453 SH   SOLE   0 0 20,453
Paychex Inc COM 704326107 2,428 21,595 SH   SOLE   0 0 21,595
PayPal Holdings Inc COM 70450Y103 4,277 16,435 SH   SOLE   0 0 16,435
Pepsico Inc COM 713448108 1,677 11,150 SH   SOLE   0 0 11,150
Pfizer Inc COM 717081103 1,255 29,178 SH   SOLE   0 0 29,178
Phillips 66 COM 718546104 494 7,050 SH   SOLE   0 0 7,050
Procter & Gamble COM 742718109 2,465 17,630 SH   SOLE   0 0 17,630
Quest Diagnostics Inc COM 74834L100 574 3,950 SH   SOLE   0 0 3,950
Raytheon Technologies Corp COM 75513E101 710 8,259 SH   SOLE   0 0 8,259
Republic Services Inc COM 760759100 282 2,350 SH   SOLE   0 0 2,350
RPM International COM 749685103 792 10,205 SH   SOLE   0 0 10,205
Schwab US Small-Cap COM 808524607 290 2,900 SH   SOLE   0 0 2,900
Scotts Miracle Group COM 810186106 851 5,815 SH   SOLE   0 0 5,815
Simon Property Group COM 828806109 302 2,325 SH   SOLE   0 0 2,325
Southern Company COM 842587107 243 3,920 SH   SOLE   0 0 3,920
SPDR S&P 500 ETF 78462F103 815 1,900 SH   SOLE   0 0 1,900
Starbucks Corp COM 855244109 1,761 15,965 SH   SOLE   0 0 15,965
Sysco Corporation COM 871829107 2,220 28,285 SH   SOLE   0 0 28,285
Target Corporation COM 87612E106 2,026 8,855 SH   SOLE   0 0 8,855
TJX Companies Inc COM 872540109 972 14,725 SH   SOLE   0 0 14,725
Uber Technologies Inc COM 90353T100 265 5,925 SH   SOLE   0 0 5,925
UGI Corporation COM 902681105 482 11,300 SH   SOLE   0 0 11,300
UniFirst Corp COM 904708104 760 3,575 SH   SOLE   0 0 3,575
Union Pacific Corp COM 907818108 255 1,300 SH   SOLE   0 0 1,300
United Parcel Service Inc COM 911312106 2,001 10,990 SH   SOLE   0 0 10,990
UnitedHealth Group Inc COM 91324P102 1,203 3,080 SH   SOLE   0 0 3,080
Valero Energy Corp COM 91913Y100 633 8,975 SH   SOLE   0 0 8,975
Vanguard Div Appreciation ETF 921908844 1,475 9,605 SH   SOLE   0 0 9,605
Vanguard Muni Bond ETF 922907746 1,422 25,966 SH   SOLE   0 0 25,966
Vanguard REIT ETF 922908553 1,091 10,719 SH   SOLE   0 0 10,719
Vanguard Short Term Bond Index ETF 921937827 2,315 28,249 SH   SOLE   0 0 28,249
Vanguard Total Stock Mkt ETF 922908769 248 1,115 SH   SOLE   0 0 1,115
Verizon Communications COM 92343V104 1,090 20,180 SH   SOLE   0 0 20,180
Vgd Consumer Discretionary ETF 92204A108 305 985 SH   SOLE   0 0 985
Vgd Int Term Bond Index Fund ETF 921937819 4,502 50,333 SH   SOLE   0 0 50,333
V F Corporation COM 918204108 663 9,900 SH   SOLE   0 0 9,900
Visa Inc COM 92826C839 1,087 4,880 SH   SOLE   0 0 4,880
Walmart Inc COM 931142103 596 4,275 SH   SOLE   0 0 4,275
Waste Management Inc COM 94106L109 1,665 11,145 SH   SOLE   0 0 11,145
WideOpenWest Inc COM 96758W101 1,854 94,344 SH   SOLE   0 0 94,344
YUM! Brands Inc COM 988498101 828 6,770 SH   SOLE   0 0 6,770
Zoetis Inc COM 98978V103 2,378 12,250 SH   SOLE   0 0 12,250