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 294 2,660 SH   SOLE   0 0 2,660
Abbott Laboratories COM 002824100 347 3,582 SH   SOLE   0 0 3,582
AbbVie Inc COM 00287Y109 1,027 7,650 SH   SOLE   0 0 7,650
Alphabet Inc Cl A COM 02079K305 2,236 23,380 SH   SOLE   0 0 23,380
Alphabet Inc Cl C COM 02079K107 1,408 14,640 SH   SOLE   0 0 14,640
American Express COM 025816109 1,885 13,970 SH   SOLE   0 0 13,970
American Tower Corp COM 03027X100 1,383 6,440 SH   SOLE   0 0 6,440
American Water Works Inc COM 030420103 651 5,005 SH   SOLE   0 0 5,005
Apple Inc COM 037833100 6,776 49,031 SH   SOLE   0 0 49,031
Automatic Data Processing COM 053015103 2,311 10,217 SH   SOLE   0 0 10,217
Bank of America Corp COM 060505104 1,548 51,245 SH   SOLE   0 0 51,245
Becton Dickinson & Co COM 075887109 1,350 6,057 SH   SOLE   0 0 6,057
Berkley W R Corporation COM 084423102 2,550 39,484 SH   SOLE   0 0 39,484
Berkshire Hathaway Inc Cl B COM 084670702 3,206 12,008 SH   SOLE   0 0 12,008
BHP Billiton Ltd ADR COM 088606108 245 4,900 SH   SOLE   0 0 4,900
Blackstone Group Inc COM 09260D107 917 10,950 SH   SOLE   0 0 10,950
Bristol-Myers Squibb Co COM 110122108 422 5,930 SH   SOLE   0 0 5,930
Chevron Corp COM 166764100 1,931 13,438 SH   SOLE   0 0 13,438
Cigna Corp COM 125509109 896 3,230 SH   SOLE   0 0 3,230
Cisco Systems Inc COM 17275R102 1,795 44,863 SH   SOLE   0 0 44,863
Citigroup Inc COM 172967424 219 5,250 SH   SOLE   0 0 5,250
Clorox Company COM 189054109 363 2,825 SH   SOLE   0 0 2,825
Coca-Cola Company COM 191216100 254 4,536 SH   SOLE   0 0 4,536
Colgate-Palmolive Co COM 194162103 668 9,510 SH   SOLE   0 0 9,510
Comcast Corp Class A COM 20030N101 734 25,010 SH   SOLE   0 0 25,010
ConocoPhillips COM 20825C104 986 9,634 SH   SOLE   0 0 9,634
Consolidated Edison Inc COM 209115104 463 5,400 SH   SOLE   0 0 5,400
Corning Inc COM 219350105 334 11,525 SH   SOLE   0 0 11,525
Corteva Inc COM 22052L104 219 3,825 SH   SOLE   0 0 3,825
Costco Wholesale Corp COM 22160K105 3,738 7,914 SH   SOLE   0 0 7,914
CSX Corp COM 126408103 859 32,240 SH   SOLE   0 0 32,240
CVS Health Corporation COM 126650100 1,214 12,730 SH   SOLE   0 0 12,730
Danaher Corp COM 235851102 407 1,575 SH   SOLE   0 0 1,575
Disney Walt Company COM 254687106 571 6,057 SH   SOLE   0 0 6,057
DuPont de Nemours Inc COM 26614N102 392 7,782 SH   SOLE   0 0 7,782
eBay Inc COM 278642103 239 6,485 SH   SOLE   0 0 6,485
Ecolab Inc COM 278865100 830 5,745 SH   SOLE   0 0 5,745
Essential Utilities Inc COM 29670G102 1,292 31,222 SH   SOLE   0 0 31,222
General Mills Inc COM 370334104 226 2,950 SH   SOLE   0 0 2,950
Genuine Parts Co COM 372460105 224 1,500 SH   SOLE   0 0 1,500
Globus Medical Inc COM 379577208 5,842 98,062 SH   SOLE   0 0 98,062
Hershey Company COM 427866108 516 2,340 SH   SOLE   0 0 2,340
Home Depot Inc COM 437076102 1,996 7,233 SH   SOLE   0 0 7,233
Honeywell International Inc COM 438516106 200 1,199 SH   SOLE   0 0 1,199
IdaCorp Incorporated COM 451107106 726 7,336 SH   SOLE   0 0 7,336
Intel Corp COM 458140100 452 17,524 SH   SOLE   0 0 17,524
Intl Flavors & Fragrances COM 459506101 528 5,813 SH   SOLE   0 0 5,813
Intuit Inc COM 461202103 3,794 9,795 SH   SOLE   0 0 9,795
Invesco Preferred ETF 46138E511 1,603 134,908 SH   SOLE   0 0 134,908
Invesco QQQ Trust ETF 46090E103 447 1,672 SH   SOLE   0 0 1,672
Invesco S&P 500 Eq Wt ETF 46137V357 1,987 15,607 SH   SOLE   0 0 15,607
iShares Core Growth Allocation ETF 464289867 285 6,363 SH   SOLE   0 0 6,363
iShares Core Moderate Allocati ETF 464289875 456 12,456 SH   SOLE   0 0 12,456
iShares Core MSCI EAFE ETF 46432F842 1,179 22,385 SH   SOLE   0 0 22,385
iShares Core S&P US Growth ETF 464287671 417 5,196 SH   SOLE   0 0 5,196
iShares MSCI EmergMkt Min Vol ETF 464286533 449 8,850 SH   SOLE   0 0 8,850
iShares National Muni ETF 464288414 241 2,350 SH   SOLE   0 0 2,350
iShares Russell 2000 Index ETF 464287655 2,135 12,945 SH   SOLE   0 0 12,945
iShares Short Term Corporate ETF 464288646 277 5,617 SH   SOLE   0 0 5,617
Johnson & Johnson COM 478160104 2,351 14,390 SH   SOLE   0 0 14,390
JP Morgan Chase & Co COM 46625H100 1,237 11,834 SH   SOLE   0 0 11,834
Kimberly-Clark Corp COM 494368103 230 2,042 SH   SOLE   0 0 2,042
L3Harris Technologies Inc COM 502431109 964 4,640 SH   SOLE   0 0 4,640
Lockheed Martin Corp COM 539830109 495 1,282 SH   SOLE   0 0 1,282
Lowes Companies Inc COM 548661107 2,049 10,910 SH   SOLE   0 0 10,910
M & T Bank Corporation COM 55261F104 207 1,175 SH   SOLE   0 0 1,175
Masco Corp COM 574599106 339 7,250 SH   SOLE   0 0 7,250
McDonalds Corp COM 580135101 1,137 4,926 SH   SOLE   0 0 4,926
Merck & Co COM 58933Y105 2,166 25,152 SH   SOLE   0 0 25,152
MetLife Inc COM 59156R108 541 8,900 SH   SOLE   0 0 8,900
Microsoft Corporation COM 594918104 6,946 29,826 SH   SOLE   0 0 29,826
Mondelez Intl Inc Cl A COM 609207105 883 16,110 SH   SOLE   0 0 16,110
Nestle SA ADR COM 641069406 1,406 13,065 SH   SOLE   0 0 13,065
NextEra Energy Inc COM 65339F101 769 9,808 SH   SOLE   0 0 9,808
Oracle Corp COM 68389X105 2,234 36,585 SH   SOLE   0 0 36,585
Paychex Inc COM 704326107 2,355 20,990 SH   SOLE   0 0 20,990
PayPal Holdings Inc COM 70450Y103 1,419 16,483 SH   SOLE   0 0 16,483
Pepsico Inc COM 713448108 1,936 11,856 SH   SOLE   0 0 11,856
Pfizer Inc COM 717081103 1,302 29,760 SH   SOLE   0 0 29,760
Phillips 66 COM 718546104 559 6,925 SH   SOLE   0 0 6,925
Procter & Gamble COM 742718109 2,301 18,223 SH   SOLE   0 0 18,223
Quest Diagnostics Inc COM 74834L100 445 3,625 SH   SOLE   0 0 3,625
Raytheon Technologies Corp COM 75513E101 657 8,020 SH   SOLE   0 0 8,020
Republic Services Inc COM 760759100 320 2,350 SH   SOLE   0 0 2,350
RPM International COM 749685103 842 10,105 SH   SOLE   0 0 10,105
Schwab US Dividend Equity ETF 808524797 229 3,447 SH   SOLE   0 0 3,447
Schwab US Small-Cap ETF 808524607 219 5,800 SH   SOLE   0 0 5,800
Scotts Miracle Group COM 810186106 227 5,300 SH   SOLE   0 0 5,300
Simon Property Group COM 828806109 218 2,425 SH   SOLE   0 0 2,425
Southern Company COM 842587107 274 4,035 SH   SOLE   0 0 4,035
SPDR S&P 500 ETF 78462F103 670 1,875 SH   SOLE   0 0 1,875
Starbucks Corp COM 855244109 1,474 17,490 SH   SOLE   0 0 17,490
Sysco Corporation COM 871829107 1,948 27,553 SH   SOLE   0 0 27,553
Target Corporation COM 87612E106 1,301 8,768 SH   SOLE   0 0 8,768
TJX Companies Inc COM 872540109 949 15,270 SH   SOLE   0 0 15,270
Uber Technologies Inc COM 90353T100 251 9,485 SH   SOLE   0 0 9,485
UGI Corporation COM 902681105 284 8,775 SH   SOLE   0 0 8,775
UniFirst Corp COM 904708104 656 3,900 SH   SOLE   0 0 3,900
Unilever PLC ADR COM 904767704 467 10,644 SH   SOLE   0 0 10,644
Union Pacific Corp COM 907818108 258 1,322 SH   SOLE   0 0 1,322
United Parcel Service Inc COM 911312106 1,742 10,781 SH   SOLE   0 0 10,781
UnitedHealth Group Inc COM 91324P102 1,512 2,993 SH   SOLE   0 0 2,993
V F Corporation COM 918204108 209 7,000 SH   SOLE   0 0 7,000
Valero Energy Corp COM 91913Y100 934 8,744 SH   SOLE   0 0 8,744
Vanguard Div Appreciation ETF 921908844 1,413 10,455 SH   SOLE   0 0 10,455
Vanguard Muni Bond ETF 922907746 1,283 26,649 SH   SOLE   0 0 26,649
Vanguard REIT ETF 922908553 839 10,460 SH   SOLE   0 0 10,460
Vanguard Short Term Bond Index ETF 921937827 1,953 26,101 SH   SOLE   0 0 26,101
Vanguard Total Stock Mkt ETF 922908769 218 1,215 SH   SOLE   0 0 1,215
Verizon Communications COM 92343V104 696 18,330 SH   SOLE   0 0 18,330
Vgd Int Term Bond Index Fund ETF 921937819 1,409 19,178 SH   SOLE   0 0 19,178
Visa Inc COM 92826C839 858 4,830 SH   SOLE   0 0 4,830
Walmart Inc COM 931142103 579 4,464 SH   SOLE   0 0 4,464
Waste Management Inc COM 94106L109 1,717 10,715 SH   SOLE   0 0 10,715
WideOpenWest Inc COM 96758W101 1,304 106,254 SH   SOLE   0 0 106,254
YUM Brands Inc COM 988498101 720 6,770 SH   SOLE   0 0 6,770
Zoetis Inc COM 98978V103 1,602 10,800 SH   SOLE   0 0 10,800