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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 BBG001S5T7X2 252,264 2,400 SH   SOLE   0 0 2,400
ABBOTT LABS COM 002824100 BBG001S5N9M6 3,012,181 29,747 SH   SOLE   0 0 29,747
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 5,805,212 36,426 SH   SOLE   0 0 36,426
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 334,116 867 SH   SOLE   0 0 867
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 3,356,495 32,358 SH   SOLE   0 0 32,358
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 269,360 2,590 SH   SOLE   0 0 2,590
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 452,893 10,150 SH   SOLE   0 0 10,150
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,009,094 19,451 SH   SOLE   0 0 19,451
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 224,290 2,465 SH   SOLE   0 0 2,465
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 661,120 4,008 SH   SOLE   0 0 4,008
APPLE INC COM 037833100 BBG001S5N8V8 6,343,538 38,469 SH   SOLE   0 0 38,469
AT&T INC COM 00206R102 BBG001S5VWH2 346,308 17,990 SH   SOLE   0 0 17,990
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 4,708,847 21,151 SH   SOLE   0 0 21,151
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 475,189 16,615 SH   SOLE   0 0 16,615
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 280,215 1,132 SH   SOLE   0 0 1,132
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 465,600 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,862,192 6,031 SH   SOLE   0 0 6,031
BLACKROCK INC COM 09247X101 BBG001SDBP55 339,913 508 SH   SOLE   0 0 508
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 406,503 5,865 SH   SOLE   0 0 5,865
CITIZENS FINL GROUP INC COM 174610105 BBG006Q0HZT0 484,341 15,948 SH   SOLE   0 0 15,948
CLOROX CO DEL COM 189054109 BBG001S5PX50 574,095 3,628 SH   SOLE   0 0 3,628
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,686,906 27,195 SH   SOLE   0 0 27,195
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 347,494 4,624 SH   SOLE   0 0 4,624
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 3,920,801 7,891 SH   SOLE   0 0 7,891
CSX CORP COM 126408103 BBG001S5Q7Q3 547,812 18,297 SH   SOLE   0 0 18,297
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 498,843 6,713 SH   SOLE   0 0 6,713
DARDEN RESTAURANTS INC COM 237194105 BBG001S5QM08 677,273 4,365 SH   SOLE   0 0 4,365
DISNEY WALT CO COM 254687106 BBG001S5QHF3 526,584 5,259 SH   SOLE   0 0 5,259
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 986,252 17,640 SH   SOLE   0 0 17,640
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 3,463,659 35,904 SH   SOLE   0 0 35,904
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 1,879,436 21,568 SH   SOLE   0 0 21,568
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 BBG005FHVPV0 479,837 7,328 SH   SOLE   0 0 7,328
HEALTHCARE RLTY TR CL A COM 42226K105 BBG001T5WP21 207,798 10,750 SH   SOLE   0 0 10,750
HERSHEY CO COM 427866108 BBG001S5S148 477,019 1,875 SH   SOLE   0 0 1,875
HOME DEPOT INC COM 437076102 BBG001S5RTW7 2,781,211 9,424 SH   SOLE   0 0 9,424
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 2,955,862 15,466 SH   SOLE   0 0 15,466
INTEL CORP COM 458140100 BBG001S5SF65 312,325 9,560 SH   SOLE   0 0 9,560
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 817,027 26,170 SH   SOLE   0 0 26,170
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 BBG014GFHJN4 3,716,948 83,116 SH   SOLE   0 0 83,116
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 6,246,578 126,168 SH   SOLE   0 0 126,168
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 4,895,365 31,583 SH   SOLE   0 0 31,583
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 3,632,652 27,877 SH   SOLE   0 0 27,877
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 3,225,307 24,030 SH   SOLE   0 0 24,030
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 3,192,346 6,753 SH   SOLE   0 0 6,753
LOWES COS INC COM 548661107 BBG001S5SVL3 250,562 1,253 SH   SOLE   0 0 1,253
M & T BK CORP COM 55261F104 BBG001S7S2B4 437,028 3,655 SH   SOLE   0 0 3,655
MCDONALDS CORP COM 580135101 BBG001S5T110 4,281,668 15,313 SH   SOLE   0 0 15,313
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 331,026 4,106 SH   SOLE   0 0 4,106
MERCK & CO INC COM 58933Y105 BBG001S5TC52 1,512,334 14,215 SH   SOLE   0 0 14,215
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 205,158 968 SH   SOLE   0 0 968
MICROSOFT CORP COM 594918104 BBG001S5TD05 12,805,709 44,418 SH   SOLE   0 0 44,418
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 872,406 12,513 SH   SOLE   0 0 12,513
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 218,622 2,490 SH   SOLE   0 0 2,490
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 2,569,924 33,341 SH   SOLE   0 0 33,341
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 350,860 1,655 SH   SOLE   0 0 1,655
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 460,184 5,002 SH   SOLE   0 0 5,002
PAYCHEX INC COM 704326107 BBG001S5V135 2,109,946 18,413 SH   SOLE   0 0 18,413
PEPSICO INC COM 713448108 BBG001S695T1 5,338,291 29,283 SH   SOLE   0 0 29,283
PFIZER INC COM 717081103 BBG001S5V466 1,953,014 47,868 SH   SOLE   0 0 47,868
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 1,134,419 10,048 SH   SOLE   0 0 10,048
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 2,339,935 15,737 SH   SOLE   0 0 15,737
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 404,941 4,135 SH   SOLE   0 0 4,135
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 849,970 16,227 SH   SOLE   0 0 16,227
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 2,515,299 30,367 SH   SOLE   0 0 30,367
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 271,818 1,800 SH   SOLE   0 0 1,800
SOUTHERN CO COM 842587107 BBG001S5W777 376,358 5,409 SH   SOLE   0 0 5,409
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 243,478 732 SH   SOLE   0 0 732
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 610,306 3,331 SH   SOLE   0 0 3,331
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 488,402 1,193 SH   SOLE   0 0 1,193
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 272,162 2,200 SH   SOLE   0 0 2,200
STARBUCKS CORP COM 855244109 BBG001S72KH6 590,105 5,667 SH   SOLE   0 0 5,667
STRYKER CORPORATION COM 863667101 BBG001S8FR03 365,402 1,280 SH   SOLE   0 0 1,280
TARGET CORP COM 87612E106 BBG001SC0K41 1,410,008 8,513 SH   SOLE   0 0 8,513
TESLA INC COM 88160R101 BBG001SQKGD7 488,776 2,356 SH   SOLE   0 0 2,356
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 2,579,256 4,475 SH   SOLE   0 0 4,475
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,050,259 13,403 SH   SOLE   0 0 13,403
UNION PAC CORP COM 907818108 BBG001S5X2M0 3,201,845 15,909 SH   SOLE   0 0 15,909
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,660,681 3,514 SH   SOLE   0 0 3,514
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 BBG002D68GN8 1,190,145 4,522 SH   SOLE   0 0 4,522
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 7,853,817 37,236 SH   SOLE   0 0 37,236
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,121,755 25,551 SH   SOLE   0 0 25,551
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 562,601 1,496 SH   SOLE   0 0 1,496
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 907,155 5,714 SH   SOLE   0 0 5,714
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 661,564 3,490 SH   SOLE   0 0 3,490
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 491,119 3,556 SH   SOLE   0 0 3,556
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 4,513,884 84,419 SH   SOLE   0 0 84,419
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 1,827,021 11,863 SH   SOLE   0 0 11,863
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 3,093,349 79,541 SH   SOLE   0 0 79,541
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,030,718 9,007 SH   SOLE   0 0 9,007
WALMART INC COM 931142103 BBG001S5XH92 4,067,335 27,584 SH   SOLE   0 0 27,584
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 3,796,803 23,269 SH   SOLE   0 0 23,269
YUM BRANDS INC COM 988498101 BBG001S7JQ30 563,321 4,265 SH   SOLE   0 0 4,265
YUM CHINA HLDGS INC COM 98850P109 BBG00B8N0HH0 234,543 3,700 SH   SOLE   0 0 3,700