Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	Schwab U.S. Large-Cap ETF	478,805	$21.62M	15.9%	$52.58	—	US LRG CAP ETF	808524201
—	UnitedHealth Group Inc.	13,763	$7.297M	5.4%	$510.33	—	COM	910581107
SCHA	Schwab U.S. Small-Cap ETF	155,262	$6.29M	4.6%	$46.20	—	US SML CAP ETF	808524607
SCHF	Schwab International Equity ETF	186,960	$6.022M	4.4%	$35.95	—	INTL EQTY ETF	808524805
MSFT	Microsoft Corp	16,083	$3.857M	2.8%	$289.10	-19.0%	COM	594918104
JPM	JP Morgan Chase & Co.	28,247	$3.788M	2.8%	$133.23	-11.7%	COM	46625H100
PEP	Pepsico Inc.	16,768	$3.029M	2.2%	$148.59	+8.3%	COM	713448108
AAPL	Apple Inc.	19,428	$2.524M	1.9%	$162.63	-13.5%	COM	037833100
PFE	Pfizer Inc.	49,167	$2.519M	1.8%	$42.44	-5.3%	COM	717081103
HD	Home Depot	7,117	$2.248M	1.6%	$313.18	-10.2%	COM	437076102
CVX	Chevron Corporation	11,365	$2.04M	1.5%	$123.91	+23.7%	COM	166764100
ABBV	AbbVie Inc.	11,484	$1.856M	1.4%	$126.52	+8.5%	COM	00287Y109
IWM	iShares Russell 2000 Index	9,638	$1.68M	1.2%	$194.20	—	RUSSELL 2000 ETF	464287655
JNJ	Johnson & Johnson	9,183	$1.622M	1.2%	$152.33	+3.1%	COM	478160104
SCHG	Schwab U.S. Large-Cap Growth ETF	28,666	$1.593M	1.2%	$67.47	—	US LCAP GR ETF	808524300
AFL	Aflac Inc	20,860	$1.501M	1.1%	$57.30	+9.1%	COM	001055102
SCHM	Schwab U.S. Mid-Cap ETF	22,781	$1.495M	1.1%	$70.33	—	US MID-CAP ETF	808524508
PG	Procter & Gamble Co.	9,803	$1.486M	1.1%	$141.44	-8.2%	COM	742718109
NOC	Northrop Grumman Corp	2,690	$1.468M	1.1%	$387.65	+27.7%	COM	666807102
XOM	Exxon Mobil Corporation	12,494	$1.378M	1.0%	$67.89	+41.8%	COM	30231G102
EFA	IShares MSCI EAFE Index	20,899	$1.372M	1.0%	$73.45	—	MSCI EAFE ETF	464287465
KMB	Kimberly-Clark Corp	10,102	$1.371M	1.0%	$114.01	-1.1%	COM	494368103
RTX	Raytheon Technologies Corp.	13,447	$1.357M	1.0%	$86.80	+1.0%	COM	75513E101
INTC	Intel Corp	50,983	$1.347M	1.0%	$46.18	-42.3%	COM	458140100
VDE	Vanguard Energy Sector ETF	10,517	$1.276M	0.9%	$107.24	—	ENERGY ETF	92204A306
ADM	Archer-Daniels-Midland Co	13,416	$1.246M	0.9%	$70.11	+19.3%	COM	039483102
MCD	McDonalds Corp	4,714	$1.242M	0.9%	$227.70	+7.7%	COM	580135101
ABT	Abbott Laboratories	11,066	$1.215M	0.9%	$115.36	-15.4%	COM	002824100
BMY	Bristol-Myers Squibb Co	16,764	$1.206M	0.9%	$57.91	+12.6%	COM	110122108
HPQ	HP Inc.	43,914	$1.18M	0.9%	$32.05	-23.4%	COM	40434L105
IBM	International Business Machines	7,493	$1.056M	0.8%	$112.10	+9.8%	COM	459200101
BRK/B	Berkshire Hathaway Cl. B	3,406	$1.052M	0.8%	$321.31	-7.6%	CL B NEW	084670702
NSC	Norfolk Southern Corp	4,179	$1.03M	0.8%	$252.93	-12.8%	COM	655844108
—	Bank of America Corp	30,606	$1.014M	0.7%	$41.34	—	COM	06605F102
AMGN	Amgen Incorporated	3,682	$967K	0.7%	$207.22	+17.1%	COM	031162100
MRK	Merck & Company Inc	8,712	$967K	0.7%	$71.03	+30.6%	COM	58933Y105
IVV	iShares S&P 500 Index	2,434	$935K	0.7%	$391.00	—	CORE S&P500 ETF	464287200
VZ	Verizon Communications	22,988	$906K	0.7%	$41.43	-25.7%	COM	92343V104
SCHE	Schwab Emerging Markets Equity ETF	36,481	$864K	0.6%	$27.69	—	EMRG MKTEQ ETF	808524706
SCHV	Schwab U.S. Large-Cap Value ETF	12,282	$811K	0.6%	$71.21	—	US LCAP VA ETF	808524409
HON	Honeywell International Inc.	3,743	$802K	0.6%	$170.35	+4.9%	COM	438516106
ITW	Illinois Tool Works	3,596	$792K	0.6%	$200.73	-1.6%	COM	452308109
—	General Electric Company	8,896	$745K	0.5%	$85.64	—	COM	369604103
CSCO	Cisco Systems Inc.	15,366	$732K	0.5%	$49.10	-15.5%	COM	17275R102
TXN	Texas Instruments, Inc.	4,397	$726K	0.5%	$157.11	-3.3%	COM	882508104
HPE	Hewlett Packard Enterprises	45,131	$720K	0.5%	$14.96	-9.9%	COM	42824C109
—	AT&T Inc.	38,002	$700K	0.5%	$23.42	—	COM	001957109
BA	Boeing Co	3,662	$698K	0.5%	$189.00	-13.5%	COM	097023105
COP	ConocoPhillips	5,415	$639K	0.5%	$79.66	+37.3%	COM	20825C104
LHX	L3Harris Technologies Inc.	3,068	$639K	0.5%	$214.65	-1.7%	COM	502431109
SCHW	Charles Schwab Corp.	7,458	$621K	0.5%	$83.37	-11.0%	COM	808513105
MPC	Marathon Petroleum Corp.	5,322	$619K	0.5%	$71.68	+48.5%	COM	56585A102
CVS	CVS Health Corp.	6,553	$611K	0.4%	$91.90	-6.5%	COM	126650100
QCOM	QUALCOMM Inc.	5,526	$608K	0.4%	$151.48	-28.1%	COM	747525103
LLY	Lilly (Eli) & C.	1,563	$572K	0.4%	$264.47	+30.7%	COM	532457108
WMT	Wal-Mart Stores Inc	3,967	$563K	0.4%	$44.62	+2.3%	COM	931142103
XLK	Technology Select Sector SPDR ETF	4,510	$561K	0.4%	$159.65	—	TECHNOLOGY	81369Y803
RS	Reliance Steel & &Aluminum Co.	2,771	$561K	0.4%	$186.65	+6.6%	COM	759509102
CAT	Caterpillar Inc	2,339	$560K	0.4%	$194.92	+6.0%	COM	149123101
MCK	McKesson Corporation	1,461	$548K	0.4%	$270.63	+35.7%	COM	58155Q103
STZ	Constellation Brands Cl. A	2,362	$547K	0.4%	$215.98	+4.7%	COM	21036P108
DE	Deere & Co.	1,256	$539K	0.4%	$359.71	+8.1%	COM	244199105
GS	Goldman Sachs	1,492	$512K	0.4%	$319.80	+0.5%	COM	38141G104
EFX	Equifax Inc.	2,633	$512K	0.4%	$194.71	-8.2%	COM	294429105
VV	Vanguard Large Cap ETF	2,740	$477K	0.4%	$171.38	—	LARGE CAP ETF	922908637
DIS	Disney (Walt) Co	5,464	$475K	0.3%	$129.14	-27.6%	COM	254687106
VTRS	Viatris Inc.	42,510	$473K	0.3%	$11.05	-18.1%	COM	92556V106
IJH	iShares Core S&P Mid-Cap ETF	1,931	$467K	0.3%	$226.44	—	CORE S&P MCP ETF	464287507
VUG	Vanguard Growth ETF	2,134	$455K	0.3%	$221.56	—	GROWTH ETF	922908736
ADP	Automatic Data Processing	1,894	$452K	0.3%	$199.29	+14.9%	COM	053015103
NEE	NextEra Energy	5,313	$444K	0.3%	$72.21	+2.2%	COM	65339F101
QQQ	Invesco QQQ Trust	1,634	$435K	0.3%	$280.12	—	UNIT SER 1	46090E103
XLY	Consumer Discretionery SPDR ETF	3,350	$433K	0.3%	$137.61	—	SBI CONS DISCR	81369Y407
VHT	Vanguard Health Care Sector ETF	1,740	$432K	0.3%	$252.61	—	HEALTH CAR ETF	92204A504
AXP	American Express Company	2,918	$431K	0.3%	$166.22	-14.3%	COM	025816109
WFC	Wells Fargo	10,267	$424K	0.3%	$43.38	-5.9%	COM	949746101
OXY	Occidental Petroleum	6,680	$421K	0.3%	$41.76	+54.9%	COM	674599105
—	Medtronic Inc	5,340	$415K	0.3%	$111.15	—	COM	585055106
VBK	Vanguard Small-Cap Growth ETF	2,055	$412K	0.3%	$248.18	—	SML CP GRW ETF	922908595
TJX	TJX Companies	5,174	$412K	0.3%	$64.06	+10.4%	COM	872540109
—	Kellogg Company	5,751	$410K	0.3%	$52.56	+15.9%	COM	487836108
SCZ	iShares MSCI EAFE Small Cap Index	6,965	$393K	0.3%	$65.42	—	EAFE SML CP ETF	464288273
A	Agilent Technologies	2,601	$389K	0.3%	$133.96	+4.3%	COM	00846U101
SPY	SPDR S&P 500 ETF	1,006	$385K	0.3%	$447.32	—	TR UNIT	78462F103
APD	Air Products & Chemicals	1,227	$378K	0.3%	$233.05	+11.3%	COM	009158106
DIA	SPDR Dow Jones Industrial Avg. ETF	1,133	$375K	0.3%	$344.22	—	UT SER 1	78467X109
VO	Vanguard Mid-Cap ETF	1,839	$375K	0.3%	$221.66	—	MID CAP ETF	922908629
AVY	Avery Dennison Corp	2,062	$373K	0.3%	$173.42	-3.0%	COM	053611109
IYH	iShares Dow Jones U.S. Healthcare Sector Index	1,310	$372K	0.3%	$268.70	—	US HLTHCARE ETF	464287762
VOX	Vanguard Communication Services ETF	4,508	$371K	0.3%	$82.25	—	COMM SRVC ETF	92204A884
PSX	Phillips 66	3,509	$365K	0.3%	$73.29	+24.7%	COM	718546104
SYK	Stryker Corp.	1,490	$364K	0.3%	$239.62	-8.3%	COM	863667101
IWO	iShares Russell 2000 Growth Index	1,694	$363K	0.3%	$253.84	—	RUS 2000 GRW ETF	464287648
EFG	iShares MSCI EAFE Growth Index	4,337	$363K	0.3%	$80.47	—	EAFE GRWTH ETF	464288885
TRV	Travelers Companies	1,868	$350K	0.3%	$158.80	+6.6%	COM	89417E109
ADI	Analog Devices	2,133	$350K	0.3%	$151.01	-2.2%	COM	032654105
KMPR	Kemper Corporation	7,010	$345K	0.3%	$55.48	-9.3%	COM	488401100
CMCSA	Comcast Corporation Class A	9,825	$344K	0.3%	$41.73	-28.0%	CL A	20030N101
GOOGL	Alphabet Inc. Cl. A	3,798	$335K	0.2%	$109.69	-14.0%	CAP STK CL A	02079K305
WTM	White Mountain Insurance Group Ltd.	234	$331K	0.2%	$1166.56	+16.2%	COM	G9618E107
—	Walgreens Boots Alliance, Inc.	8,696	$325K	0.2%	$44.39	—	COM	931427108
ACN	Accenture Ltd.	1,215	$324K	0.2%	$318.52	-17.1%	SHS CLASS A	G1151C101
VBR	Vanguard Small Cap Value ETF	1,998	$317K	0.2%	$175.18	—	SM CP VAL ETF	922908611
MSI	Motorola Solutions Inc.	1,229	$317K	0.2%	$221.78	+8.7%	COM	620076307
—	Liberty Formula One Group	5,865	$313K	0.2%	$57.90	—	COM SER A FRMLA	531229870
KEYS	Keysight Technologies	1,812	$310K	0.2%	$166.57	+2.3%	COM	49338L103
IFF	International Flavors and Fragrances	2,956	$310K	0.2%	$118.86	-24.4%	COM	459506101
KO	Coca-Cola Company	4,810	$306K	0.2%	$54.06	+1.6%	COM	191216100
UNP	Union Pacific Corp.	1,372	$284K	0.2%	$224.04	-15.1%	COM	907818108
DOW	Dow Inc.	5,575	$281K	0.2%	$48.64	-16.7%	COM	260557103
ALL	Allstate Corporation	2,066	$280K	0.2%	$114.28	+6.3%	COM	020002101
CARR	Carrier Global Corp.	6,718	$277K	0.2%	$44.54	-12.7%	COM	14448C104
AVGO	Broadcom Inc.	494	$276K	0.2%	$47.61	0.0%	COM	11135F101
AMAT	Applied Materials	2,823	$275K	0.2%	$124.33	-25.0%	COM	038222105
GPN	Global Payments Inc.	2,702	$268K	0.2%	$134.53	-24.9%	COM	37940X102
WY	Weyerhaeuser Corp.	8,600	$267K	0.2%	$33.56	-17.9%	COM NEW	962166104
D	Dominion Energy Inc.	4,322	$265K	0.2%	$67.11	-20.1%	COM	25746U109
SO	Southern Company	3,663	$262K	0.2%	$58.69	+1.6%	COM	842587107
CNP	Centerpoint Energy	8,702	$261K	0.2%	$25.42	+5.3%	COM	15189T107
APH	Amphenol Corp	3,400	$259K	0.2%	$33.65	+9.3%	CL A	032095101
VEA	Vanguard FTSE Developed Markets ETF	5,700	$239K	0.2%	$36.32	—	VAN FTSE DEV MKT	921943858
HXL	Hexcel Corp.	4,035	$237K	0.2%	$54.95	+4.2%	COM	428291108
LOW	Lowes Co Inc	1,188	$237K	0.2%	$179.56	+4.8%	COM	548661107
EMXC	iShares MSCI Emerging Markets ex-China	4,807	$228K	0.2%	$47.85	—	MSCI EMRG CHN	46434G764
GD	General Dynamics Corp.	902	$224K	0.2%	$228.84	0.0%	COM	369550108
SYY	Sysco Corp.	2,915	$223K	0.2%	$73.92	0.0%	COM	871829107
DD	DuPont de Nemours Inc.	3,234	$222K	0.2%	$25.00	0.0%	COM	26614N102
ORCL	Oracle Corporation	2,694	$220K	0.2%	$73.20	0.0%	COM	68389X105
CTVA	Corteva Inc.	3,742	$220K	0.2%	$49.14	+24.4%	COM	22052L104
ETN	Eaton Corp.	1,368	$215K	0.2%	$146.94	0.0%	SHS	G29183103
VIS	Vanguard Industrial Sector ETF	1,147	$209K	0.2%	$182.64	—	INDUSTRIAL ETF	92204A603
PCG	PG&E Corp	12,839	$209K	0.2%	$11.76	+27.1%	COM	69331C108
VLO	Valero Energy Corp.	1,633	$207K	0.2%	$114.07	0.0%	COM	91913Y100
CAH	Cardinal Health Inc.	2,671	$205K	0.2%	$71.56	0.0%	COM	14149Y108
GT	Goodyear Tire & Rubber Co	11,536	$117K	0.1%	$17.75	-38.5%	COM	382550101
—	Hanes Brands	13,946	$88,697	0.1%	$14.95	—	COM	410345102