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   7,346,896 69,265 SH   SOLE   0 0 69,265
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   375,985 1,085 SH   SOLE   0 0 1,085
ALTRIA GROUP INC COM 02209S103   4,814,588 110,376 SH   SOLE   0 0 110,376
AMERICAN ELEC PWR CO INC COM 025537101   7,190,642 83,515 SH   SOLE   0 0 83,515
AT&T INC COM 00206R102   4,924,293 279,789 SH   SOLE   0 0 279,789
BANK AMERICA CORP COM 060505104   222,995 5,881 SH   SOLE   0 0 5,881
BRISTOL-MYERS SQUIBB CO COM 110122108   7,262,861 133,927 SH   SOLE   0 0 133,927
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   5,298,951 173,736 SH   SOLE   0 0 173,736
CHEVRON CORP NEW COM 166764100   4,037,071 25,593 SH   SOLE   0 0 25,593
CISCO SYS INC COM 17275R102   2,657,383 53,244 SH   SOLE   0 0 53,244
COCA COLA CO COM 191216100   2,320,509 37,929 SH   SOLE   0 0 37,929
COLGATE PALMOLIVE CO COM 194162103   799,194 8,875 SH   SOLE   0 0 8,875
CVS HEALTH CORP COM 126650100   364,583 4,571 SH   SOLE   0 0 4,571
EMERSON ELEC CO COM 291011104   613,716 5,411 SH   SOLE   0 0 5,411
EXXON MOBIL CORP COM 30231G102   5,851,424 50,339 SH   SOLE   0 0 50,339
FRANKLIN RESOURCES INC COM 354613101   3,154,729 112,228 SH   SOLE   0 0 112,228
GENUINE PARTS CO COM 372460105   3,511,024 22,662 SH   SOLE   0 0 22,662
GSK PLC SPONSORED ADR 37733W204   1,645,265 38,378 SH   SOLE   0 0 38,378
HALEON PLC SPON ADS 405552100   1,967,543 231,748 SH   SOLE   0 0 231,748
INTERNATIONAL BUSINESS MACHS COM 459200101   2,187,924 11,458 SH   SOLE   0 0 11,458
ISHARES TR CORE HIGH DV ETF 46429B663   10,430,230 94,640 SH   SOLE   0 0 94,640
JOHNSON & JOHNSON COM 478160104   1,604,825 10,145 SH   SOLE   0 0 10,145
JPMORGAN CHASE & CO COM 46625H100   273,410 1,365 SH   SOLE   0 0 1,365
KELLANOVA COM 487836108   503,522 8,789 SH   SOLE   0 0 8,789
LOCKHEED MARTIN CORP COM 539830109   881,538 1,938 SH   SOLE   0 0 1,938
MCDONALDS CORP COM 580135101   2,428,382 8,613 SH   SOLE   0 0 8,613
MICROSOFT CORP COM 594918104   11,661,307 27,718 SH   SOLE   0 0 27,718
NEW JERSEY RES CORP COM 646025106   501,060 11,677 SH   SOLE   0 0 11,677
PFIZER INC COM 717081103   7,136,595 257,175 SH   SOLE   0 0 257,175
PHILIP MORRIS INTL INC COM 718172109   7,663,463 83,644 SH   SOLE   0 0 83,644
PINNACLE WEST CAP CORP COM 723484101   6,288,350 84,148 SH   SOLE   0 0 84,148
PRICE T ROWE GROUP INC COM 74144T108   7,836,823 64,278 SH   SOLE   0 0 64,278
PROCTER AND GAMBLE CO COM 742718109   1,463,657 9,021 SH   SOLE   0 0 9,021
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   8,309,970 124,438 SH   SOLE   0 0 124,438
QUALCOMM INC COM 747525103   4,579,226 27,048 SH   SOLE   0 0 27,048
SANOFI SPONSORED ADR 80105N105   1,125,406 23,156 SH   SOLE   0 0 23,156
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   123,038,020 1,525,958 SH   SOLE   0 0 1,525,958
SOUTHERN CO COM 842587107   395,144 5,508 SH   SOLE   0 0 5,508
SPDR SER TR PRTFLO S&P500 HI 78468R788   7,735,209 190,008 SH   SOLE   0 0 190,008
TJX COS INC NEW COM 872540109   419,544 4,137 SH   SOLE   0 0 4,137
UNILEVER PLC SPON ADR NEW 904767704   6,457,184 128,655 SH   SOLE   0 0 128,655
UNITED PARCEL SERVICE INC CL B 911312106   6,877,942 46,276 SH   SOLE   0 0 46,276
US BANCORP DEL COM NEW 902973304   2,521,505 56,410 SH   SOLE   0 0 56,410
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,074,260 25,409 SH   SOLE   0 0 25,409
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   427,384 4,942 SH   SOLE   0 0 4,942
VERIZON COMMUNICATIONS INC COM 92343V104   10,157,756 242,082 SH   SOLE   0 0 242,082
VIATRIS INC COM 92556V106   313,389 26,247 SH   SOLE   0 0 26,247
WARNER BROS DISCOVERY INC COM SER A 934423104   586,438 67,175 SH   SOLE   0 0 67,175
WEC ENERGY GROUP INC COM 92939U106   7,116,109 86,655 SH   SOLE   0 0 86,655