Richard has a solution! Thank goodness.  ”Here is my workaround:
I live in the southeast US, in EDT. (which is GMT-4)
So, I import my GPS track.
Then I select “Edit Track Timezone” and select GMT-4 <– THIS IS THE KEY STEP OF THE WORKAROUND.
I drag a photo to the track in the proper location (it showed the photo time as being off by one hour. I’m not sure if my camera had the wrong time or not.)
I choose “Assign Locations” and my photos are placed properly.

I tried select EDT for the track timezone, and that did NOT work correctly. I had to select GMT-4 for it to work for me.”