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 240,216 2,400 SH   SOLE   0 0 2,400
ABBOTT LABS COM 002824100 BBG001S5N9M6 3,268,420 29,980 SH   SOLE   0 0 29,980
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 4,926,537 36,566 SH   SOLE   0 0 36,566
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 3,849,672 32,161 SH   SOLE   0 0 32,161
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 313,312 2,590 SH   SOLE   0 0 2,590
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 456,398 10,075 SH   SOLE   0 0 10,075
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,531,982 19,423 SH   SOLE   0 0 19,423
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 811,075 4,656 SH   SOLE   0 0 4,656
APPLE INC COM 037833100 BBG001S5N8V8 7,363,877 37,964 SH   SOLE   0 0 37,964
AT&T INC COM 00206R102 BBG001S5VWH2 282,953 17,740 SH   SOLE   0 0 17,740
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 4,839,336 22,018 SH   SOLE   0 0 22,018
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 543,819 18,955 SH   SOLE   0 0 18,955
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 297,011 1,125 SH   SOLE   0 0 1,125
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 517,810 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 2,072,598 6,078 SH   SOLE   0 0 6,078
BLACKROCK INC COM 09247X101 BBG001SDBP55 364,922 528 SH   SOLE   0 0 528
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 375,067 5,865 SH   SOLE   0 0 5,865
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 208,782 4,200 SH   SOLE   0 0 4,200
CITIZENS FINL GROUP INC COM 174610105 BBG006Q0HZT0 303,780 11,648 SH   SOLE   0 0 11,648
CLOROX CO DEL COM 189054109 BBG001S5PX50 574,612 3,613 SH   SOLE   0 0 3,613
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,641,838 27,264 SH   SOLE   0 0 27,264
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 343,521 4,459 SH   SOLE   0 0 4,459
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 4,343,650 8,068 SH   SOLE   0 0 8,068
CSX CORP COM 126408103 BBG001S5Q7Q3 621,404 18,223 SH   SOLE   0 0 18,223
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 451,626 6,533 SH   SOLE   0 0 6,533
DARDEN RESTAURANTS INC COM 237194105 BBG001S5QM08 729,304 4,365 SH   SOLE   0 0 4,365
DISNEY WALT CO COM 254687106 BBG001S5QHF3 418,723 4,690 SH   SOLE   0 0 4,690
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 938,435 18,120 SH   SOLE   0 0 18,120
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 3,378,083 37,643 SH   SOLE   0 0 37,643
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 1,963,180 21,719 SH   SOLE   0 0 21,719
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 BBG005FHVPV0 537,289 7,328 SH   SOLE   0 0 7,328
HEALTHCARE RLTY TR CL A COM 42226K105 BBG001T5WP21 202,745 10,750 SH   SOLE   0 0 10,750
HERSHEY CO COM 427866108 BBG001S5S148 468,188 1,875 SH   SOLE   0 0 1,875
HOME DEPOT INC COM 437076102 BBG001S5RTW7 2,933,374 9,443 SH   SOLE   0 0 9,443
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 3,198,820 15,416 SH   SOLE   0 0 15,416
INTEL CORP COM 458140100 BBG001S5SF65 286,246 8,560 SH   SOLE   0 0 8,560
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 809,438 26,170 SH   SOLE   0 0 26,170
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 BBG014GFHJN4 3,412,137 74,321 SH   SOLE   0 0 74,321
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 6,591,366 132,224 SH   SOLE   0 0 132,224
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 5,281,909 31,911 SH   SOLE   0 0 31,911
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 4,153,476 28,558 SH   SOLE   0 0 28,558
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 3,374,877 24,445 SH   SOLE   0 0 24,445
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 3,181,226 6,910 SH   SOLE   0 0 6,910
LOWES COS INC COM 548661107 BBG001S5SVL3 280,997 1,245 SH   SOLE   0 0 1,245
M & T BK CORP COM 55261F104 BBG001S7S2B4 449,868 3,635 SH   SOLE   0 0 3,635
MCDONALDS CORP COM 580135101 BBG001S5T110 4,563,883 15,294 SH   SOLE   0 0 15,294
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 372,311 4,226 SH   SOLE   0 0 4,226
MERCK & CO INC COM 58933Y105 BBG001S5TC52 2,109,214 18,279 SH   SOLE   0 0 18,279
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 282,101 983 SH   SOLE   0 0 983
MICROSOFT CORP COM 594918104 BBG001S5TD05 14,937,447 43,864 SH   SOLE   0 0 43,864
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 905,404 12,413 SH   SOLE   0 0 12,413
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 207,180 2,426 SH   SOLE   0 0 2,426
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 2,526,510 34,050 SH   SOLE   0 0 34,050
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 373,020 1,645 SH   SOLE   0 0 1,645
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 503,844 4,993 SH   SOLE   0 0 4,993
PAYCHEX INC COM 704326107 BBG001S5V135 2,078,880 18,583 SH   SOLE   0 0 18,583
PEPSICO INC COM 713448108 BBG001S695T1 5,435,466 29,346 SH   SOLE   0 0 29,346
PFIZER INC COM 717081103 BBG001S5V466 1,570,087 42,805 SH   SOLE   0 0 42,805
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 1,129,386 10,082 SH   SOLE   0 0 10,082
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 2,340,286 15,423 SH   SOLE   0 0 15,423
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 405,065 4,135 SH   SOLE   0 0 4,135
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 1,077,884 19,017 SH   SOLE   0 0 19,017
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 2,630,557 32,408 SH   SOLE   0 0 32,408
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 312,948 1,800 SH   SOLE   0 0 1,800
SOUTHERN CO COM 842587107 BBG001S5W777 390,169 5,554 SH   SOLE   0 0 5,554
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 251,698 732 SH   SOLE   0 0 732
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 593,817 3,331 SH   SOLE   0 0 3,331
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 528,833 1,193 SH   SOLE   0 0 1,193
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 269,676 2,200 SH   SOLE   0 0 2,200
STARBUCKS CORP COM 855244109 BBG001S72KH6 553,944 5,592 SH   SOLE   0 0 5,592
STRYKER CORPORATION COM 863667101 BBG001S8FR03 390,515 1,280 SH   SOLE   0 0 1,280
TARGET CORP COM 87612E106 BBG001SC0K41 1,166,656 8,845 SH   SOLE   0 0 8,845
TESLA INC COM 88160R101 BBG001SQKGD7 616,730 2,356 SH   SOLE   0 0 2,356
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 2,361,441 4,526 SH   SOLE   0 0 4,526
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,105,662 13,040 SH   SOLE   0 0 13,040
UNION PAC CORP COM 907818108 BBG001S5X2M0 3,343,900 16,342 SH   SOLE   0 0 16,342
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,759,142 3,660 SH   SOLE   0 0 3,660
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 BBG002D68GN8 1,307,523 8,588 SH   SOLE   0 0 8,588
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 8,425,743 38,271 SH   SOLE   0 0 38,271
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,232,723 26,720 SH   SOLE   0 0 26,720
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 609,291 1,496 SH   SOLE   0 0 1,496
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 947,080 5,726 SH   SOLE   0 0 5,726
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 750,611 3,774 SH   SOLE   0 0 3,774
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 506,444 3,564 SH   SOLE   0 0 3,564
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 4,650,423 85,470 SH   SOLE   0 0 85,470
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 1,901,893 11,709 SH   SOLE   0 0 11,709
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 2,983,345 80,219 SH   SOLE   0 0 80,219
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,179,116 9,176 SH   SOLE   0 0 9,176
WALMART INC COM 931142103 BBG001S5XH92 4,347,520 27,659 SH   SOLE   0 0 27,659
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 4,108,320 23,690 SH   SOLE   0 0 23,690
YUM BRANDS INC COM 988498101 BBG001S7JQ30 572,212 4,130 SH   SOLE   0 0 4,130
YUM CHINA HLDGS INC COM 98850P109 BBG00B8N0HH0 200,858 3,555 SH   SOLE   0 0 3,555