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
ABBOTT LABS COM 002824100 1,985 25,157 SH   SOLE   25,157 0 0
ABBVIE INC COM 00287Y109 1,433 18,805 SH   SOLE   18,805 0 0
ALPHABET INC CAP STK CL A 02079K305 1,192 1,026 SH   SOLE   1,026 0 0
ALTRIA GROUP INC COM 02209S103 318 8,222 SH   SOLE   8,222 0 0
AMAZON COM INC COM 023135106 1,105 567 SH   SOLE   567 0 0
APPLE INC COM 037833100 2,903 11,416 SH   SOLE   11,416 0 0
AQUA METALS INC COM 03837J101 12 26,000 SH   SOLE   26,000 0 0
AT&T INC COM 00206R102 1,181 40,504 SH   SOLE   40,504 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,119 8,185 SH   SOLE   8,185 0 0
BAXTER INTL INC COM 071813109 328 4,038 SH   SOLE   4,038 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 615 11,035 SH   SOLE   11,035 0 0
SCHWAB CHARLES CORP COM 808513105 228 6,795 SH   SOLE   6,795 0 0
CHEVRON CORP NEW COM 166764100 1,006 13,886 SH   SOLE   13,886 0 0
CINCINNATI FINL CORP COM 172062101 680 9,010 SH   SOLE   9,010 0 0
CISCO SYS INC COM 17275R102 1,078 27,431 SH   SOLE   27,431 0 0
CLOROX CO DEL COM 189054109 477 2,755 SH   SOLE   2,755 0 0
COLGATE PALMOLIVE CO COM 194162103 541 8,146 SH   SOLE   8,146 0 0
DISNEY WALT CO COM DISNEY 254687106 1,456 15,076 SH   SOLE   15,076 0 0
DOMINION ENERGY INC COM 25746U109 345 4,774 SH   SOLE   4,774 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 568 7,025 SH   SOLE   7,025 0 0
LILLY ELI & CO COM 532457108 791 5,702 SH   SOLE   5,702 0 0
EMERSON ELEC CO COM 291011104 628 13,186 SH   SOLE   13,186 0 0
ESSENTIAL UTILS INC COM 29670G102 680 16,717 SH   SOLE   16,717 0 0
EXXON MOBIL CORP COM 30231G102 427 11,255 SH   SOLE   11,255 0 0
FACEBOOK INC CL A 30303M102 246 1,472 SH   SOLE   1,472 0 0
GALLAGHER ARTHUR J & CO COM 363576109 293 3,600 SH   SOLE   3,600 0 0
GENERAL ELECTRIC CO COM 369604103 247 31,160 SH   SOLE   31,160 0 0
HOME DEPOT INC COM 437076102 1,155 6,186 SH   SOLE   6,186 0 0
HONEYWELL INTL INC COM 438516106 1,220 9,118 SH   SOLE   9,118 0 0
INTEL CORP COM 458140100 2,014 37,209 SH   SOLE   37,209 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 298 2,683 SH   SOLE   2,683 0 0
SMUCKER J M CO COM NEW 832696405 249 2,245 SH   SOLE   2,245 0 0
JOHNSON & JOHNSON COM 478160104 2,386 18,199 SH   SOLE   18,199 0 0
JPMORGAN CHASE & CO COM 46625H100 721 8,012 SH   SOLE   8,012 0 0
KIMBERLY CLARK CORP COM 494368103 1,192 9,320 SH   SOLE   8,520 0 800
KINSALE CAP GROUP INC COM 49714P108 233 2,225 SH   SOLE   2,225 0 0
MASTERCARD INC CL A 57636Q104 1,103 4,565 SH   SOLE   4,565 0 0
MERCK & CO. INC COM 58933Y105 1,897 24,655 SH   SOLE   24,655 0 0
MICROSOFT CORP COM 594918104 2,652 16,813 SH   SOLE   16,813 0 0
MONDELEZ INTL INC CL A 609207105 628 12,545 SH   SOLE   12,545 0 0
NEXTERA ENERGY INC COM 65339F101 1,135 4,717 SH   SOLE   4,717 0 0
NIKE INC CL B 654106103 1,462 17,668 SH   SOLE   17,668 0 0
ORACLE CORP COM 68389X105 249 5,160 SH   SOLE   5,160 0 0
PAYPAL HLDGS INC COM 70450Y103 332 3,465 SH   SOLE   3,465 0 0
PEPSICO INC COM 713448108 2,112 17,585 SH   SOLE   17,585 0 0
PFIZER INC COM 717081103 692 21,206 SH   SOLE   20,000 0 1,206
PHILIP MORRIS INTL INC COM 718172109 477 6,531 SH   SOLE   6,531 0 0
PROCTER & GAMBLE CO COM 742718109 3,971 36,098 SH   SOLE   34,998 0 1,100
RAYTHEON CO COM NEW 755111507 502 3,830 SH   SOLE   3,830 0 0
RPM INTL INC COM 749685103 1,708 28,698 SH   SOLE   26,198 0 2,500
SOUTHERN CO COM 842587107 768 14,180 SH   SOLE   14,180 0 0
STRYKER CORP COM 863667101 971 5,830 SH   SOLE   5,830 0 0
TESLA INC COM 88160R101 545 1,040 SH   SOLE   1,040 0 0
TEXAS INSTRS INC COM 882508104 490 4,900 SH   SOLE   4,900 0 0
UNION PAC CORP COM 907818108 257 1,825 SH   SOLE   1,825 0 0
UNITED PARCEL SERVICE INC CL B 911312106 513 5,490 SH   SOLE   5,490 0 0
UNITED TECHNOLOGIES CORP COM 913017109 1,321 14,004 SH   SOLE   14,004 0 0
US BANCORP DEL COM NEW 902973304 383 11,125 SH   SOLE   11,125 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,129 39,616 SH   SOLE   39,616 0 0
VISA INC COM CL A 92826C839 661 4,100 SH   SOLE   4,100 0 0
WASTE MGMT INC DEL COM 94106L109 1,197 12,927 SH   SOLE   12,927 0 0
3M CO COM 88579Y101 1,532 11,226 SH   SOLE   10,526 0 700
DIAGEO P L C SPON ADR NEW 25243Q205 413 3,250 SH   SOLE   3,250 0 0
NOVARTIS A G SPONSORED ADR 66987V109 405 4,915 SH   SOLE   4,915 0 0
UNILEVER N V N Y SHS NEW 904784709 202 4,140 SH   SOLE   4,140 0 0
AMERICAN TOWER CORP NEW COM 03027X100 213 980 SH   SOLE   0 0 980
MONMOUTH REAL ESTATE INVT CO CL A 609720107 269 22,300 SH   SOLE   0 0 22,300
WEYERHAEUSER CO COM 962166104 413 24,354 SH   SOLE   0 0 24,354
WP CAREY INC COM 92936U109 501 8,630 SH   SOLE   0 0 8,630
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 365 2,233 SH   SOLE   2,233 0 0
CHUBB LIMITED COM H1467J104 298 2,670 SH   SOLE   2,670 0 0
ENBRIDGE INC COM 29250N105 256 8,796 SH   SOLE   8,796 0 0
LINDE PLC SHS G5494J103 509 2,944 SH   SOLE   2,944 0 0
MEDTRONIC PLC SHS G5960L103 507 5,619 SH   SOLE   5,619 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 317 3,235 SH   SOLE   0 0 3,235
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 279 13,390 SH   SOLE   0 0 13,390
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 1,020 6,395 SH   SOLE   0 0 6,395
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,030 17,041 SH   SOLE   0 0 17,041
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 235 5,225 SH   SOLE   0 0 5,225
SPDR SER TR SSGA GNDER ETF 78468R747 260 4,400 SH   SOLE   0 0 4,400
SPDR SER TR PRTFLO S&P500 GW 78464A409 522 14,615 SH   SOLE   0 0 14,615
SPDR SER TR S&P BIOTECH 78464A870 274 3,540 SH   SOLE   0 0 3,540
SPDR S&P 500 ETF TR TR UNIT 78462F103 418 1,620 SH   SOLE   0 0 1,620
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 220 5,355 SH   SOLE   0 0 5,355
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 298 4,215 SH   SOLE   0 0 4,215
VANGUARD INDEX FDS MID CAP ETF 922908629 294 2,230 SH   SOLE   0 0 2,230
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,173 10,161 SH   SOLE   0 0 10,161
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,020 15,669 SH   SOLE   0 0 15,669
ISHARES TR INTRM GOV CR ETF 464288612 338 2,950 SH   SOLE   0 0 2,950
ISHARES TR INTRM TR CRP ETF 464288638 847 15,425 SH   SOLE   0 0 15,425
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 239 2,750 SH   SOLE   0 0 2,750
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,027 12,500 SH   SOLE   0 0 12,500
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 268 3,390 SH   SOLE   0 0 3,390