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 254,568 2,400 SH   SOLE   0 0 2,400
ABBOTT LABS COM 002824100 BBG001S5N9M6 3,295,629 28,996 SH   SOLE   0 0 28,996
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 3,241,380 17,800 SH   SOLE   0 0 17,800
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 4,620,646 30,615 SH   SOLE   0 0 30,615
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 328,882 2,160 SH   SOLE   0 0 2,160
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 262,811 6,025 SH   SOLE   0 0 6,025
AMAZON COM INC COM 023135106 BBG001S5PQL7 3,215,364 17,826 SH   SOLE   0 0 17,826
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 1,251,043 5,495 SH   SOLE   0 0 5,495
APPLE INC COM 037833100 BBG001S5N8V8 6,532,102 38,093 SH   SOLE   0 0 38,093
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 4,749,306 19,017 SH   SOLE   0 0 19,017
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 689,954 18,195 SH   SOLE   0 0 18,195
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 289,517 1,170 SH   SOLE   0 0 1,170
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 634,440 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,865,847 4,437 SH   SOLE   0 0 4,437
BLACKROCK INC COM 09247X101 BBG001SDBP55 436,859 524 SH   SOLE   0 0 524
BLACKSTONE INC COM 09260D107 BBG001S7H949 1,220,427 9,290 SH   SOLE   0 0 9,290
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 331,616 6,115 SH   SOLE   0 0 6,115
BROADCOM INC COM 11135F101 BBG00KHY5SY8 332,678 251 SH   SOLE   0 0 251
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 244,146 4,200 SH   SOLE   0 0 4,200
CATERPILLAR INC COM 149123101 BBG001S5PJ06 218,026 595 SH   SOLE   0 0 595
CITIZENS FINL GROUP INC COM 174610105 BBG006Q0HZT0 325,304 8,964 SH   SOLE   0 0 8,964
CLOROX CO DEL COM 189054109 BBG001S5PX50 505,952 3,305 SH   SOLE   0 0 3,305
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,643,540 26,864 SH   SOLE   0 0 26,864
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 361,911 4,019 SH   SOLE   0 0 4,019
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 4,471,974 6,104 SH   SOLE   0 0 6,104
CSX CORP COM 126408103 BBG001S5Q7Q3 657,066 17,725 SH   SOLE   0 0 17,725
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 346,477 4,344 SH   SOLE   0 0 4,344
DARDEN RESTAURANTS INC COM 237194105 BBG001S5QM08 270,114 1,616 SH   SOLE   0 0 1,616
DISNEY WALT CO COM 254687106 BBG001S5QHF3 480,385 3,926 SH   SOLE   0 0 3,926
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 558,577 11,356 SH   SOLE   0 0 11,356
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 2,742,744 28,361 SH   SOLE   0 0 28,361
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 1,894,851 16,707 SH   SOLE   0 0 16,707
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 BBG005FHVPV0 525,645 6,373 SH   SOLE   0 0 6,373
HEALTHCARE RLTY TR CL A COM 42226K105 BBG001T5WP21 293,613 20,750 SH   SOLE   0 0 20,750
HERSHEY CO COM 427866108 BBG001S5S148 364,688 1,875 SH   SOLE   0 0 1,875
HOME DEPOT INC COM 437076102 BBG001S5RTW7 3,554,054 9,265 SH   SOLE   0 0 9,265
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 2,512,465 12,241 SH   SOLE   0 0 12,241
INTEL CORP COM 458140100 BBG001S5SF65 325,091 7,360 SH   SOLE   0 0 7,360
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 227,775 3,750 SH   SOLE   0 0 3,750
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 2,212,040 28,458 SH   SOLE   0 0 28,458
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 9,662,485 188,426 SH   SOLE   0 0 188,426
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 10,353,294 204,046 SH   SOLE   0 0 204,046
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 4,588,934 29,009 SH   SOLE   0 0 29,009
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 5,721,169 28,563 SH   SOLE   0 0 28,563
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 3,020,581 23,352 SH   SOLE   0 0 23,352
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 2,767,884 6,085 SH   SOLE   0 0 6,085
LOWES COS INC COM 548661107 BBG001S5SVL3 315,865 1,240 SH   SOLE   0 0 1,240
M & T BK CORP COM 55261F104 BBG001S7S2B4 528,674 3,635 SH   SOLE   0 0 3,635
MCDONALDS CORP COM 580135101 BBG001S5T110 3,498,577 12,409 SH   SOLE   0 0 12,409
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 374,484 4,297 SH   SOLE   0 0 4,297
MERCK & CO INC COM 58933Y105 BBG001S5TC52 2,951,458 22,368 SH   SOLE   0 0 22,368
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 482,181 993 SH   SOLE   0 0 993
MICROSOFT CORP COM 594918104 BBG001S5TD05 15,521,413 36,893 SH   SOLE   0 0 36,893
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 707,035 10,101 SH   SOLE   0 0 10,101
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 228,432 2,426 SH   SOLE   0 0 2,426
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 2,226,497 34,838 SH   SOLE   0 0 34,838
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 375,678 1,474 SH   SOLE   0 0 1,474
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 500,820 5,178 SH   SOLE   0 0 5,178
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 241,251 267 SH   SOLE   0 0 267
ORACLE CORP COM 68389X105 BBG001S5SJG6 1,687,194 13,432 SH   SOLE   0 0 13,432
OTIS WORLDWIDE CORP COM 68902V107 BBG00RP60LN7 208,467 2,100 SH   SOLE   0 0 2,100
PAYCHEX INC COM 704326107 BBG001S5V135 1,824,010 14,854 SH   SOLE   0 0 14,854
PEPSICO INC COM 713448108 BBG001S695T1 4,702,694 26,871 SH   SOLE   0 0 26,871
PFIZER INC COM 717081103 BBG001S5V466 582,140 20,978 SH   SOLE   0 0 20,978
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 1,110,752 9,111 SH   SOLE   0 0 9,111
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 2,410,062 14,854 SH   SOLE   0 0 14,854
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 403,287 4,135 SH   SOLE   0 0 4,135
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 348,281 4,815 SH   SOLE   0 0 4,815
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 4,424,430 46,864 SH   SOLE   0 0 46,864
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 374,886 1,800 SH   SOLE   0 0 1,800
SOUTHERN CO COM 842587107 BBG001S5W777 304,716 4,248 SH   SOLE   0 0 4,248
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 291,160 732 SH   SOLE   0 0 732
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 685,253 3,331 SH   SOLE   0 0 3,331
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 624,023 1,193 SH   SOLE   0 0 1,193
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 249,356 1,900 SH   SOLE   0 0 1,900
STARBUCKS CORP COM 855244109 BBG001S72KH6 437,118 4,783 SH   SOLE   0 0 4,783
STRYKER CORPORATION COM 863667101 BBG001S8FR03 493,861 1,380 SH   SOLE   0 0 1,380
TARGET CORP COM 87612E106 BBG001SC0K41 297,536 1,679 SH   SOLE   0 0 1,679
TESLA INC COM 88160R101 BBG001SQKGD7 380,234 2,163 SH   SOLE   0 0 2,163
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 3,034,497 5,221 SH   SOLE   0 0 5,221
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,837,325 18,116 SH   SOLE   0 0 18,116
UNION PAC CORP COM 907818108 BBG001S5X2M0 3,565,247 14,497 SH   SOLE   0 0 14,497
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 2,485,966 5,025 SH   SOLE   0 0 5,025
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 BBG002D68GN8 2,579,510 11,465 SH   SOLE   0 0 11,465
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 9,377,496 37,531 SH   SOLE   0 0 37,531
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,019,049 23,347 SH   SOLE   0 0 23,347
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 719,127 1,496 SH   SOLE   0 0 1,496
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,183,900 6,170 SH   SOLE   0 0 6,170
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 938,133 4,104 SH   SOLE   0 0 4,104
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 590,042 3,623 SH   SOLE   0 0 3,623
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,297,356 90,322 SH   SOLE   0 0 90,322
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 9,741,791 121,001 SH   SOLE   0 0 121,001
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 2,268,381 12,422 SH   SOLE   0 0 12,422
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 333,813 7,956 SH   SOLE   0 0 7,956
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,779,916 9,961 SH   SOLE   0 0 9,961
WALMART INC COM 931142103 BBG001S5XH92 4,537,239 75,407 SH   SOLE   0 0 75,407
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 4,644,965 21,792 SH   SOLE   0 0 21,792
YUM BRANDS INC COM 988498101 BBG001S7JQ30 506,766 3,655 SH   SOLE   0 0 3,655