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 2,330 25,482 SH   SOLE   25,482 0 0
ABBVIE INC COM 00287Y109 1,640 16,705 SH   SOLE   16,705 0 0
ALPHABET INC CAP STK CL A 02079K305 1,455 1,026 SH   SOLE   1,026 0 0
ALTRIA GROUP INC COM 02209S103 323 8,222 SH   SOLE   8,222 0 0
AMAZON COM INC COM 023135106 1,793 650 SH   SOLE   650 0 0
APPLE INC COM 037833100 4,236 11,611 SH   SOLE   11,611 0 0
AQUA METALS INC COM 03837J101 36 26,000 SH   SOLE   26,000 0 0
AT&T INC COM 00206R102 1,276 42,204 SH   SOLE   42,204 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 1,202 8,070 SH   SOLE   8,070 0 0
BAXTER INTL INC COM 071813109 396 4,603 SH   SOLE   4,603 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 649 11,035 SH   SOLE   11,035 0 0
CHEVRON CORP NEW COM 166764100 1,226 13,736 SH   SOLE   13,736 0 0
CINCINNATI FINL CORP COM 172062101 481 7,510 SH   SOLE   7,510 0 0
CISCO SYS INC COM 17275R102 1,390 29,801 SH   SOLE   29,801 0 0
CLOROX CO DEL COM 189054109 610 2,780 SH   SOLE   2,780 0 0
COCA COLA CO COM 191216100 201 4,507 SH   SOLE   4,507 0 0
COLGATE PALMOLIVE CO COM 194162103 582 7,946 SH   SOLE   7,946 0 0
COSTCO WHSL CORP NEW COM 22160K105 236 779 SH   SOLE   779 0 0
DISNEY WALT CO COM DISNEY 254687106 1,648 14,781 SH   SOLE   14,781 0 0
DOMINION ENERGY INC COM 25746U109 379 4,674 SH   SOLE   4,674 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 561 7,025 SH   SOLE   7,025 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 259 3,750 SH   SOLE   3,750 0 0
LILLY ELI & CO COM 532457108 936 5,702 SH   SOLE   5,702 0 0
EMERSON ELEC CO COM 291011104 778 12,536 SH   SOLE   12,536 0 0
ESSENTIAL UTILS INC COM 29670G102 706 16,717 SH   SOLE   16,717 0 0
EXXON MOBIL CORP COM 30231G102 475 10,630 SH   SOLE   10,630 0 0
FACEBOOK INC CL A 30303M102 334 1,472 SH   SOLE   1,472 0 0
GALLAGHER ARTHUR J & CO COM 363576109 331 3,400 SH   SOLE   3,400 0 0
HOME DEPOT INC COM 437076102 1,581 6,311 SH   SOLE   6,311 0 0
HONEYWELL INTL INC COM 438516106 1,318 9,118 SH   SOLE   9,118 0 0
INTEL CORP COM 458140100 2,193 36,659 SH   SOLE   36,659 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 324 2,683 SH   SOLE   2,683 0 0
SMUCKER J M CO COM NEW 832696405 238 2,245 SH   SOLE   2,245 0 0
JOHNSON & JOHNSON COM 478160104 2,561 18,209 SH   SOLE   18,209 0 0
JPMORGAN CHASE & CO COM 46625H100 754 8,012 SH   SOLE   8,012 0 0
KIMBERLY CLARK CORP COM 494368103 1,329 9,400 SH   SOLE   8,600 0 800
KINSALE CAP GROUP INC COM 49714P108 345 2,225 SH   SOLE   2,225 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,360 4,600 SH   SOLE   4,600 0 0
MERCK & CO. INC COM 58933Y105 1,907 24,655 SH   SOLE   24,655 0 0
MICROSOFT CORP COM 594918104 3,444 16,923 SH   SOLE   16,923 0 0
MONDELEZ INTL INC CL A 609207105 641 12,545 SH   SOLE   12,545 0 0
NEXTERA ENERGY INC COM 65339F101 1,218 5,072 SH   SOLE   5,072 0 0
NIKE INC CL B 654106103 1,732 17,668 SH   SOLE   17,668 0 0
ORACLE CORP COM 68389X105 285 5,160 SH   SOLE   5,160 0 0
PAYPAL HLDGS INC COM 70450Y103 604 3,465 SH   SOLE   3,465 0 0
PEPSICO INC COM 713448108 2,326 17,585 SH   SOLE   17,585 0 0
PFIZER INC COM 717081103 693 21,206 SH   SOLE   20,000 0 1,206
PHILIP MORRIS INTL INC COM 718172109 458 6,531 SH   SOLE   6,531 0 0
PROCTER AND GAMBLE CO COM 742718109 4,344 36,328 SH   SOLE   35,228 0 1,100
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,424 23,105 SH   SOLE   23,105 0 0
RPM INTL INC COM 749685103 2,154 28,698 SH   SOLE   26,198 0 2,500
SOUTHERN CO COM 842587107 735 14,180 SH   SOLE   14,180 0 0
STRYKER CORPORATION COM 863667101 1,121 6,220 SH   SOLE   6,220 0 0
TESLA INC COM 88160R101 1,123 1,040 SH   SOLE   1,040 0 0
TEXAS INSTRS INC COM 882508104 686 5,400 SH   SOLE   5,400 0 0
UNION PAC CORP COM 907818108 309 1,825 SH   SOLE   1,825 0 0
UNITED PARCEL SERVICE INC CL B 911312106 610 5,490 SH   SOLE   5,490 0 0
US BANCORP DEL COM NEW 902973304 278 7,540 SH   SOLE   7,540 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,184 39,616 SH   SOLE   39,616 0 0
VISA INC COM CL A 92826C839 792 4,100 SH   SOLE   4,100 0 0
WASTE MGMT INC DEL COM 94106L109 1,359 12,827 SH   SOLE   12,827 0 0
3M CO COM 88579Y101 1,907 12,226 SH   SOLE   11,526 0 700
DIAGEO P L C SPON ADR NEW 25243Q205 437 3,250 SH   SOLE   3,250 0 0
NOVARTIS AG SPONSORED ADR 66987V109 429 4,915 SH   SOLE   4,915 0 0
UNILEVER N V N Y SHS NEW 904784709 221 4,140 SH   SOLE   4,140 0 0
AMERICAN TOWER CORP NEW COM 03027X100 292 1,130 SH   SOLE   0 0 1,130
WP CAREY INC COM 92936U109 290 4,280 SH   SOLE   0 0 4,280
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 669 3,118 SH   SOLE   3,118 0 0
ENBRIDGE INC COM 29250N105 248 8,157 SH   SOLE   8,157 0 0
LINDE PLC SHS G5494J103 501 2,362 SH   SOLE   2,362 0 0
MEDTRONIC PLC SHS G5960L103 515 5,619 SH   SOLE   5,619 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 211 3,900 SH   SOLE   0 0 3,900
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 413 3,235 SH   SOLE   0 0 3,235
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 1,303 6,545 SH   SOLE   0 0 6,545
ISHARES TR RUS 1000 ETF 464287622 236 1,375 SH   SOLE   0 0 1,375
ISHARES TR S&P 100 ETF 464287101 213 1,498 SH   SOLE   0 0 1,498
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,257 17,106 SH   SOLE   0 0 17,106
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 270 5,225 SH   SOLE   0 0 5,225
SPDR SER TR SSGA GNDER ETF 78468R747 313 4,400 SH   SOLE   0 0 4,400
SPDR SER TR PRTFLO S&P500 GW 78464A409 1,095 24,375 SH   SOLE   0 0 24,375
SPDR SER TR S&P BIOTECH 78464A870 396 3,540 SH   SOLE   0 0 3,540
SPDR S&P 500 ETF TR TR UNIT 78462F103 500 1,620 SH   SOLE   0 0 1,620
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 274 5,745 SH   SOLE   0 0 5,745
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 329 4,175 SH   SOLE   0 0 4,175
VANGUARD INDEX FDS MID CAP ETF 922908629 270 1,650 SH   SOLE   0 0 1,650
VANGUARD INDEX FDS SMALL CP ETF 922908751 597 4,100 SH   SOLE   0 0 4,100
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,712 17,324 SH   SOLE   0 0 17,324
ISHARES TR INTRM GOV CR ETF 464288612 447 3,800 SH   SOLE   0 0 3,800
ISHARES TR INTRM TR CRP ETF 464288638 1,106 18,325 SH   SOLE   0 0 18,325
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 262 2,750 SH   SOLE   0 0 2,750
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,039 12,500 SH   SOLE   0 0 12,500
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 479 5,790 SH   SOLE   0 0 5,790