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   306,001 2,885 SH   SOLE   0 0 2,885
ABBOTT LABS COM 002824100   297,741 2,620 SH   SOLE   0 0 2,620
ADOBE INC COM 00724F101   307,301 609 SH   SOLE   0 0 609
AFLAC INC COM 001055102   351,495 4,094 SH   SOLE   0 0 4,094
AIR PRODS & CHEMS INC COM 009158106   412,939 1,704 SH   SOLE   0 0 1,704
ALPHABET INC CAP STK CL A 02079K305   522,520 3,462 SH   SOLE   0 0 3,462
ALTRIA GROUP INC COM 02209S103   433,270 9,933 SH   SOLE   0 0 9,933
AMAZON COM INC COM 023135106   929,328 5,152 SH   SOLE   0 0 5,152
AMGEN INC COM 031162100   297,900 1,048 SH   SOLE   0 0 1,048
APPLE INC COM 037833100   1,718,846 10,024 SH   SOLE   0 0 10,024
ARCHER DANIELS MIDLAND CO COM 039483102   355,737 5,664 SH   SOLE   0 0 5,664
AT&T INC COM 00206R102   315,347 17,917 SH   SOLE   0 0 17,917
BANK AMERICA CORP COM 060505104   337,024 8,888 SH   SOLE   0 0 8,888
BLACKROCK INC COM 09247X101   510,401 612 SH   SOLE   0 0 612
BP PLC SPONSORED ADR 055622104   282,291 7,492 SH   SOLE   0 0 7,492
CARDINAL HEALTH INC COM 14149Y108   248,185 2,218 SH   SOLE   0 0 2,218
CHEVRON CORP NEW COM 166764100   802,313 5,086 SH   SOLE   0 0 5,086
CISCO SYS INC COM 17275R102   256,024 5,130 SH   SOLE   0 0 5,130
CLOROX CO DEL COM 189054109   1,024,780 6,693 SH   SOLE   0 0 6,693
COCA COLA CO COM 191216100   917,547 14,997 SH   SOLE   0 0 14,997
COLGATE PALMOLIVE CO COM 194162103   850,465 9,444 SH   SOLE   0 0 9,444
CONSOLIDATED EDISON INC COM 209115104   561,608 6,184 SH   SOLE   0 0 6,184
CORNING INC COM 219350105   251,547 7,632 SH   SOLE   0 0 7,632
CVS HEALTH CORP COM 126650100   330,169 4,140 SH   SOLE   0 0 4,140
DARDEN RESTAURANTS INC COM 237194105   252,995 1,514 SH   SOLE   0 0 1,514
DEERE & CO COM 244199105   926,012 2,255 SH   SOLE   0 0 2,255
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   390,150 6,258 SH   SOLE   0 0 6,258
DUKE ENERGY CORP NEW COM NEW 26441C204   635,529 6,571 SH   SOLE   0 0 6,571
ELI LILLY & CO COM 532457108   1,780,203 2,288 SH   SOLE   0 0 2,288
ENBRIDGE INC COM 29250N105   223,520 6,178 SH   SOLE   0 0 6,178
ENTERPRISE PRODS PARTNERS L COM 293792107   620,591 21,268 SH   SOLE   0 0 21,268
EXXON MOBIL CORP COM 30231G102   1,063,250 9,147 SH   SOLE   0 0 9,147
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840   448,950 9,908 SH   SOLE   0 0 9,908
GENERAL MLS INC COM 370334104   868,555 12,413 SH   SOLE   0 0 12,413
GSK PLC SPONSORED ADR 37733W204   207,920 4,850 SH   SOLE   0 0 4,850
HOME DEPOT INC COM 437076102   397,290 1,036 SH   SOLE   0 0 1,036
INTEL CORP COM 458140100   510,847 11,565 SH   SOLE   0 0 11,565
INTERNATIONAL BUSINESS MACHS COM 459200101   203,503 1,066 SH   SOLE   0 0 1,066
INVESCO QQQ TR UNIT SER 1 46090E103   1,085,160 2,444 SH   SOLE   0 0 2,444
ISHARES TR PFD AND INCM SEC 464288687   534,017 16,569 SH   SOLE   0 0 16,569
ISHARES TR CORE DIV GRWTH 46434V621   10,516,768 181,136 SH   SOLE   0 0 181,136
ISHARES TR ISHS 1-5YR INVS 464288646   9,316,867 181,686 SH   SOLE   0 0 181,686
ISHARES TR 0-5YR HI YL CP 46434V407   8,070,070 189,661 SH   SOLE   0 0 189,661
JOHNSON & JOHNSON COM 478160104   1,486,203 9,395 SH   SOLE   0 0 9,395
JPMORGAN CHASE & CO COM 46625H100   1,207,983 6,031 SH   SOLE   0 0 6,031
KELLANOVA COM 487836108   313,959 5,480 SH   SOLE   0 0 5,480
KIMBERLY-CLARK CORP COM 494368103   613,287 4,741 SH   SOLE   0 0 4,741
LOCKHEED MARTIN CORP COM 539830109   2,066,831 4,544 SH   SOLE   0 0 4,544
LOWES COS INC COM 548661107   369,278 1,450 SH   SOLE   0 0 1,450
MCDONALDS CORP COM 580135101   1,749,842 6,206 SH   SOLE   0 0 6,206
MEDTRONIC PLC SHS G5960L103   316,093 3,627 SH   SOLE   0 0 3,627
MERCK & CO INC COM 58933Y105   355,924 2,697 SH   SOLE   0 0 2,697
MICROSOFT CORP COM 594918104   5,945,088 14,131 SH   SOLE   0 0 14,131
PACER FDS TR US CASH COWS 100 69374H881   374,504 6,445 SH   SOLE   0 0 6,445
PAYCHEX INC COM 704326107   941,012 7,663 SH   SOLE   0 0 7,663
PEPSICO INC COM 713448108   1,249,691 7,141 SH   SOLE   0 0 7,141
PFIZER INC COM 717081103   374,521 13,496 SH   SOLE   0 0 13,496
PHILIP MORRIS INTL INC COM 718172109   384,495 4,197 SH   SOLE   0 0 4,197
PHILLIPS 66 COM 718546104   546,046 3,343 SH   SOLE   0 0 3,343
PROCTER AND GAMBLE CO COM 742718109   2,122,441 13,081 SH   SOLE   0 0 13,081
REALTY INCOME CORP COM 756109104   534,889 9,887 SH   SOLE   0 0 9,887
SALESFORCE INC COM 79466L302   392,438 1,303 SH   SOLE   0 0 1,303
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   24,826,618 400,042 SH   SOLE   0 0 400,042
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   7,597,298 194,703 SH   SOLE   0 0 194,703
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   375,294 8,159 SH   SOLE   0 0 8,159
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   14,598,509 181,056 SH   SOLE   0 0 181,056
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,890,656 79,014 SH   SOLE   0 0 79,014
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   5,708,772 61,570 SH   SOLE   0 0 61,570
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,925,925 48,212 SH   SOLE   0 0 48,212
SOUTHERN CO COM 842587107   1,082,305 15,087 SH   SOLE   0 0 15,087
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   545,329 1,371 SH   SOLE   0 0 1,371
SPDR S&P 500 ETF TR TR UNIT 78462F103   892,861 1,707 SH   SOLE   0 0 1,707
SPDR SER TR ICE PFD SEC ETF 78464A292   1,667,505 47,821 SH   SOLE   0 0 47,821
STARBUCKS CORP COM 855244109   666,481 7,293 SH   SOLE   0 0 7,293
SYSCO CORP COM 871829107   763,578 9,406 SH   SOLE   0 0 9,406
TARGET CORP COM 87612E106   1,554,853 8,774 SH   SOLE   0 0 8,774
TORONTO DOMINION BK ONT COM NEW 891160509   314,459 5,208 SH   SOLE   0 0 5,208
UNILEVER PLC SPON ADR NEW 904767704   485,969 9,683 SH   SOLE   0 0 9,683
UNITED PARCEL SERVICE INC CL B 911312106   591,957 3,983 SH   SOLE   0 0 3,983
US BANCORP DEL COM NEW 902973304   722,616 16,166 SH   SOLE   0 0 16,166
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   938,307 12,238 SH   SOLE   0 0 12,238
VANGUARD BD INDEX FDS INTERMED TERM 921937819   662,291 8,784 SH   SOLE   0 0 8,784
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,234,517 85,839 SH   SOLE   0 0 85,839
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,999,744 62,101 SH   SOLE   0 0 62,101
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   6,349,758 82,134 SH   SOLE   0 0 82,134
VERIZON COMMUNICATIONS INC COM 92343V104   510,560 12,168 SH   SOLE   0 0 12,168
VISA INC COM CL A 92826C839   310,760 1,114 SH   SOLE   0 0 1,114
WALMART INC COM 931142103   2,012,759 33,451 SH   SOLE   0 0 33,451
WASTE MGMT INC DEL COM 94106L109   1,725,988 8,098 SH   SOLE   0 0 8,098
WELLS FARGO CO NEW COM 949746101   259,772 4,482 SH   SOLE   0 0 4,482
WISDOMTREE TR INTL LRGCAP DV 97717W794   4,295,970 83,075 SH   SOLE   0 0 83,075
WISDOMTREE TR US LARGECAP DIVD 97717W307   447,448 6,198 SH   SOLE   0 0 6,198
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,596,455 48,851 SH   SOLE   0 0 48,851
WISDOMTREE TR US MIDCAP DIVID 97717W505   2,373,199 48,661 SH   SOLE   0 0 48,661