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 224,688 2,400 SH   SOLE   0 0 2,400
ABBOTT LABS COM 002824100 BBG001S5N9M6 2,672,188 27,591 SH   SOLE   0 0 27,591
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 2,921,129 19,597 SH   SOLE   0 0 19,597
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 4,240,649 32,406 SH   SOLE   0 0 32,406
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 286,115 2,170 SH   SOLE   0 0 2,170
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 255,454 6,075 SH   SOLE   0 0 6,075
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,446,170 19,243 SH   SOLE   0 0 19,243
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 788,917 5,288 SH   SOLE   0 0 5,288
APPLE INC COM 037833100 BBG001S5N8V8 6,590,558 38,494 SH   SOLE   0 0 38,494
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 4,636,217 19,271 SH   SOLE   0 0 19,271
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 557,046 20,345 SH   SOLE   0 0 20,345
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 305,065 1,180 SH   SOLE   0 0 1,180
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 531,477 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,600,521 4,569 SH   SOLE   0 0 4,569
BLACKROCK INC COM 09247X101 BBG001SDBP55 358,802 555 SH   SOLE   0 0 555
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 340,405 5,865 SH   SOLE   0 0 5,865
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 231,840 4,200 SH   SOLE   0 0 4,200
CATERPILLAR INC COM 149123101 BBG001S5PJ06 203,385 745 SH   SOLE   0 0 745
CITIZENS FINL GROUP INC COM 174610105 BBG006Q0HZT0 323,329 12,064 SH   SOLE   0 0 12,064
CLOROX CO DEL COM 189054109 BBG001S5PX50 475,944 3,631 SH   SOLE   0 0 3,631
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,524,671 27,236 SH   SOLE   0 0 27,236
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 302,857 4,259 SH   SOLE   0 0 4,259
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 3,652,466 6,465 SH   SOLE   0 0 6,465
CSX CORP COM 126408103 BBG001S5Q7Q3 547,934 17,819 SH   SOLE   0 0 17,819
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 340,931 4,883 SH   SOLE   0 0 4,883
DARDEN RESTAURANTS INC COM 237194105 BBG001S5QM08 232,446 1,623 SH   SOLE   0 0 1,623
DISNEY WALT CO COM 254687106 BBG001S5QHF3 330,441 4,077 SH   SOLE   0 0 4,077
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 693,837 15,532 SH   SOLE   0 0 15,532
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 3,324,578 37,668 SH   SOLE   0 0 37,668
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 1,746,951 18,090 SH   SOLE   0 0 18,090
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 BBG005FHVPV0 497,473 7,121 SH   SOLE   0 0 7,121
HEALTHCARE RLTY TR CL A COM 42226K105 BBG001T5WP21 164,153 10,750 SH   SOLE   0 0 10,750
HERSHEY CO COM 427866108 BBG001S5S148 375,150 1,875 SH   SOLE   0 0 1,875
HOME DEPOT INC COM 437076102 BBG001S5RTW7 2,836,376 9,387 SH   SOLE   0 0 9,387
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 2,305,001 12,477 SH   SOLE   0 0 12,477
INTEL CORP COM 458140100 BBG001S5SF65 261,648 7,360 SH   SOLE   0 0 7,360
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 412,151 13,670 SH   SOLE   0 0 13,670
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 BBG014GFHJN4 3,044,014 64,084 SH   SOLE   0 0 64,084
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 6,534,797 129,839 SH   SOLE   0 0 129,839
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 4,632,005 29,740 SH   SOLE   0 0 29,740
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 4,097,685 28,256 SH   SOLE   0 0 28,256
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 2,928,135 24,229 SH   SOLE   0 0 24,229
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 2,481,569 6,068 SH   SOLE   0 0 6,068
LOWES COS INC COM 548661107 BBG001S5SVL3 257,722 1,240 SH   SOLE   0 0 1,240
M & T BK CORP COM 55261F104 BBG001S7S2B4 459,646 3,635 SH   SOLE   0 0 3,635
MCDONALDS CORP COM 580135101 BBG001S5T110 3,340,814 12,681 SH   SOLE   0 0 12,681
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 341,336 4,356 SH   SOLE   0 0 4,356
MERCK & CO INC COM 58933Y105 BBG001S5TC52 2,048,602 19,899 SH   SOLE   0 0 19,899
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 298,109 993 SH   SOLE   0 0 993
MICROSOFT CORP COM 594918104 BBG001S5TD05 11,882,778 37,633 SH   SOLE   0 0 37,633
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 714,855 10,300 SH   SOLE   0 0 10,300
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 2,034,024 35,504 SH   SOLE   0 0 35,504
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 319,814 1,624 SH   SOLE   0 0 1,624
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 521,014 5,115 SH   SOLE   0 0 5,115
ORACLE CORP COM 68389X105 BBG001S5SJG6 1,300,698 12,280 SH   SOLE   0 0 12,280
PAYCHEX INC COM 704326107 BBG001S5V135 1,747,307 15,150 SH   SOLE   0 0 15,150
PEPSICO INC COM 713448108 BBG001S695T1 4,572,677 26,987 SH   SOLE   0 0 26,987
PFIZER INC COM 717081103 BBG001S5V466 1,188,100 35,818 SH   SOLE   0 0 35,818
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 943,043 8,992 SH   SOLE   0 0 8,992
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 2,221,156 15,228 SH   SOLE   0 0 15,228
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 297,596 4,135 SH   SOLE   0 0 4,135
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 1,095,255 19,950 SH   SOLE   0 0 19,950
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 2,856,053 31,597 SH   SOLE   0 0 31,597
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 295,074 1,800 SH   SOLE   0 0 1,800
SOUTHERN CO COM 842587107 BBG001S5W777 355,895 5,499 SH   SOLE   0 0 5,499
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 245,183 732 SH   SOLE   0 0 732
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 571,100 3,331 SH   SOLE   0 0 3,331
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 509,984 1,193 SH   SOLE   0 0 1,193
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 253,022 2,200 SH   SOLE   0 0 2,200
STARBUCKS CORP COM 855244109 BBG001S72KH6 503,172 5,513 SH   SOLE   0 0 5,513
STRYKER CORPORATION COM 863667101 BBG001S8FR03 377,113 1,380 SH   SOLE   0 0 1,380
TARGET CORP COM 87612E106 BBG001SC0K41 238,610 2,158 SH   SOLE   0 0 2,158
TESLA INC COM 88160R101 BBG001SQKGD7 547,732 2,189 SH   SOLE   0 0 2,189
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 2,526,801 4,992 SH   SOLE   0 0 4,992
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,612,728 18,145 SH   SOLE   0 0 18,145
UNION PAC CORP COM 907818108 BBG001S5X2M0 2,984,809 14,658 SH   SOLE   0 0 14,658
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 2,257,057 4,476 SH   SOLE   0 0 4,476
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 BBG002D68GN8 1,474,447 10,170 SH   SOLE   0 0 10,170
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 7,648,239 36,728 SH   SOLE   0 0 36,728
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 1,705,225 22,538 SH   SOLE   0 0 22,538
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 587,479 1,496 SH   SOLE   0 0 1,496
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 924,245 5,795 SH   SOLE   0 0 5,795
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 699,937 3,702 SH   SOLE   0 0 3,702
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 496,548 3,600 SH   SOLE   0 0 3,600
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 4,586,838 88,429 SH   SOLE   0 0 88,429
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 1,818,257 11,702 SH   SOLE   0 0 11,702
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 543,435 16,767 SH   SOLE   0 0 16,767
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,284,459 9,932 SH   SOLE   0 0 9,932
WALMART INC COM 931142103 BBG001S5XH92 4,164,817 26,041 SH   SOLE   0 0 26,041
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 3,510,998 23,032 SH   SOLE   0 0 23,032
YUM BRANDS INC COM 988498101 BBG001S7JQ30 509,755 4,080 SH   SOLE   0 0 4,080