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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   7,754,680 70,936 SH   SOLE   0 0 70,936
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   380,649 1,085 SH   SOLE   0 0 1,085
ALTRIA GROUP INC COM 02209S103   4,650,141 115,274 SH   SOLE   0 0 115,274
AMERICAN ELEC PWR CO INC COM 025537101   6,790,804 83,610 SH   SOLE   0 0 83,610
AT&T INC COM 00206R102   4,787,424 285,305 SH   SOLE   0 0 285,305
BLACKROCK INC COM 09247X101   299,554 369 SH   SOLE   0 0 369
BRISTOL-MYERS SQUIBB CO COM 110122108   6,314,670 123,069 SH   SOLE   0 0 123,069
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   5,286,526 180,489 SH   SOLE   0 0 180,489
CHEVRON CORP NEW COM 166764100   4,062,104 27,233 SH   SOLE   0 0 27,233
CISCO SYS INC COM 17275R102   2,835,662 56,130 SH   SOLE   0 0 56,130
COCA COLA CO COM 191216100   2,240,118 38,013 SH   SOLE   0 0 38,013
COLGATE PALMOLIVE CO COM 194162103   707,426 8,875 SH   SOLE   0 0 8,875
CVS HEALTH CORP COM 126650100   360,926 4,571 SH   SOLE   0 0 4,571
EMERSON ELEC CO COM 291011104   539,890 5,547 SH   SOLE   0 0 5,547
EXXON MOBIL CORP COM 30231G102   5,324,954 53,260 SH   SOLE   0 0 53,260
FRANKLIN RESOURCES INC COM 354613101   3,545,695 119,023 SH   SOLE   0 0 119,023
GENUINE PARTS CO COM 372460105   3,348,099 24,174 SH   SOLE   0 0 24,174
GSK PLC SPONSORED ADR 37733W204   1,713,136 46,226 SH   SOLE   0 0 46,226
HALEON PLC SPON ADS 405552100   1,942,027 235,969 SH   SOLE   0 0 235,969
INTERNATIONAL BUSINESS MACHS COM 459200101   8,236,852 50,363 SH   SOLE   0 0 50,363
INTERNATIONAL FLAVORS&FRAGRA COM 459506101   7,352,400 90,804 SH   SOLE   0 0 90,804
ISHARES TR CORE HIGH DV ETF 46429B663   4,078,335 39,988 SH   SOLE   0 0 39,988
JOHNSON & JOHNSON COM 478160104   1,655,162 10,560 SH   SOLE   0 0 10,560
JPMORGAN CHASE & CO COM 46625H100   232,357 1,366 SH   SOLE   0 0 1,366
KELLANOVA COM 487836108   497,543 8,899 SH   SOLE   0 0 8,899
LOCKHEED MARTIN CORP COM 539830109   985,797 2,175 SH   SOLE   0 0 2,175
MCDONALDS CORP COM 580135101   2,790,993 9,413 SH   SOLE   0 0 9,413
MICROSOFT CORP COM 594918104   10,917,381 29,032 SH   SOLE   0 0 29,032
NEW JERSEY RES CORP COM 646025106   306,086 6,866 SH   SOLE   0 0 6,866
PFIZER INC COM 717081103   7,641,228 265,413 SH   SOLE   0 0 265,413
PHILIP MORRIS INTL INC COM 718172109   8,181,009 86,958 SH   SOLE   0 0 86,958
PINNACLE WEST CAP CORP COM 723484101   6,162,047 85,775 SH   SOLE   0 0 85,775
PRICE T ROWE GROUP INC COM 74144T108   7,045,877 65,427 SH   SOLE   0 0 65,427
PROCTER AND GAMBLE CO COM 742718109   1,321,937 9,021 SH   SOLE   0 0 9,021
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   7,356,651 120,305 SH   SOLE   0 0 120,305
QUALCOMM INC COM 747525103   4,169,972 28,832 SH   SOLE   0 0 28,832
SANOFI SPONSORED ADR 80105N105   1,151,573 23,156 SH   SOLE   0 0 23,156
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   125,825,701 1,652,774 SH   SOLE   0 0 1,652,774
SOUTHERN CO COM 842587107   386,221 5,508 SH   SOLE   0 0 5,508
SPDR SER TR PRTFLO S&P500 HI 78468R788   7,572,237 193,219 SH   SOLE   0 0 193,219
TJX COS INC NEW COM 872540109   386,731 4,122 SH   SOLE   0 0 4,122
UNILEVER PLC SPON ADR NEW 904767704   2,078,473 42,873 SH   SOLE   0 0 42,873
UNITED PARCEL SERVICE INC CL B 911312106   6,954,692 44,233 SH   SOLE   0 0 44,233
US BANCORP DEL COM NEW 902973304   2,604,439 60,176 SH   SOLE   0 0 60,176
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,012,995 26,943 SH   SOLE   0 0 26,943
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   436,675 4,942 SH   SOLE   0 0 4,942
VERIZON COMMUNICATIONS INC COM 92343V104   9,384,582 248,928 SH   SOLE   0 0 248,928
VIATRIS INC COM 92556V106   293,688 27,118 SH   SOLE   0 0 27,118
WARNER BROS DISCOVERY INC COM SER A 934423104   779,576 68,504 SH   SOLE   0 0 68,504