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
ABBOTT LABS COM 002824100   3,446,093 34,032 SH   SOLE   0 0 34,032
ABBVIE INC COM 00287Y109   2,891,663 18,144 SH   SOLE   0 0 18,144
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   3,595,056 12,578 SH   SOLE   0 0 12,578
ADOBE SYSTEMS INCORPORATED COM 00724F101   1,721,448 4,467 SH   SOLE   0 0 4,467
ADVANCE AUTO PARTS INC COM 00751Y106   2,292,715 18,853 SH   SOLE   0 0 18,853
AFLAC INC COM 001055102   435,898 6,756 SH   SOLE   0 0 6,756
ALPHABET INC CAP STK CL A 02079K305   6,909,871 66,614 SH   SOLE   0 0 66,614
ALPHABET INC CAP STK CL C 02079K107   876,304 8,426 SH   SOLE   0 0 8,426
AMAZON COM INC COM 023135106   559,832 5,420 SH   SOLE   0 0 5,420
AMGEN INC COM 031162100   3,399,972 14,064 SH   SOLE   0 0 14,064
APPLE INC COM 037833100   15,486,735 93,916 SH   SOLE   0 0 93,916
AT&T INC COM 00206R102   1,242,258 64,533 SH   SOLE   0 0 64,533
AUTOMATIC DATA PROCESSING IN COM 053015103   3,420,414 15,364 SH   SOLE   0 0 15,364
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,347,482 14,080 SH   SOLE   0 0 14,080
BORGWARNER INC COM 099724106   4,617,360 94,021 SH   SOLE   0 0 94,021
BRISTOL-MYERS SQUIBB CO COM 110122108   231,080 3,334 SH   SOLE   0 0 3,334
BROADCOM INC COM 11135F101   5,331,311 8,310 SH   SOLE   0 0 8,310
CHEVRON CORP NEW COM 166764100   640,376 3,925 SH   SOLE   0 0 3,925
CINCINNATI FINL CORP COM 172062101   553,676 4,940 SH   SOLE   0 0 4,940
CISCO SYS INC COM 17275R102   421,727 8,067 SH   SOLE   0 0 8,067
CITIZENS FINL GROUP INC COM 174610105   2,427,174 79,920 SH   SOLE   0 0 79,920
COCA COLA CO COM 191216100   214,891 3,464 SH   SOLE   0 0 3,464
COMCAST CORP NEW CL A 20030N101   3,427,693 90,417 SH   SOLE   0 0 90,417
CROWN CASTLE INC COM 22822V101   2,342,516 17,502 SH   SOLE   0 0 17,502
CVS HEALTH CORP COM 126650100   3,068,421 41,292 SH   SOLE   0 0 41,292
DEERE & CO COM 244199105   265,482 643 SH   SOLE   0 0 643
DIAGEO PLC SPON ADR NEW 25243Q205   3,107,468 17,151 SH   SOLE   0 0 17,151
DISNEY WALT CO COM 254687106   2,445,175 24,420 SH   SOLE   0 0 24,420
DOMINION ENERGY INC COM 25746U109   1,179,953 21,104 SH   SOLE   0 0 21,104
DOW INC COM 260557103   2,462,469 44,919 SH   SOLE   0 0 44,919
DUKE ENERGY CORP NEW COM NEW 26441C204   248,592 2,577 SH   SOLE   0 0 2,577
EOG RES INC COM 26875P101   2,309,323 20,146 SH   SOLE   0 0 20,146
EXXON MOBIL CORP COM 30231G102   786,847 7,175 SH   SOLE   0 0 7,175
FISERV INC COM 337738108   3,364,112 29,763 SH   SOLE   0 0 29,763
HARTFORD FINL SVCS GROUP INC COM 416515104   260,223 3,734 SH   SOLE   0 0 3,734
HERSHEY CO COM 427866108   254,410 1,000 SH   SOLE   0 0 1,000
HOME DEPOT INC COM 437076102   3,820,378 12,945 SH   SOLE   0 0 12,945
ILLINOIS TOOL WKS INC COM 452308109   4,136,509 16,991 SH   SOLE   0 0 16,991
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540   2,101,993 66,836 SH   SOLE   0 0 66,836
INTUIT COM 461202103   393,668 883 SH   SOLE   0 0 883
INVESCO QQQ TR UNIT SER 1 46090E103   200,582 625 SH   SOLE   0 0 625
ISHARES GOLD TR ISHARES NEW 464285204   563,727 15,085 SH   SOLE   0 0 15,085
ISHARES INC MSCI EMRG CHN 46434G764   488,367 9,900 SH   SOLE   0 0 9,900
ISHARES TR CORE S&P MCP ETF 464287507   18,568,298 74,226 SH   SOLE   0 0 74,226
ISHARES TR CORE S&P500 ETF 464287200   2,066,089 5,026 SH   SOLE   0 0 5,026
ISHARES TR NATIONAL MUN ETF 464288414   730,370 6,779 SH   SOLE   0 0 6,779
ISHARES TR ISHS 1-5YR INVS 464288646   426,675 8,442 SH   SOLE   0 0 8,442
ISHARES TR CORE MSCI EAFE 46432F842   413,133 6,180 SH   SOLE   0 0 6,180
ISHARES TR MSCI EAFE ETF 464287465   376,553 5,265 SH   SOLE   0 0 5,265
ISHARES TR CORE S&P SCP ETF 464287804   363,883 3,763 SH   SOLE   0 0 3,763
ISHARES TR CORE US AGGBD ET 464287226   245,912 2,468 SH   SOLE   0 0 2,468
ISHARES TR RUSSELL 2000 ETF 464287655   239,592 1,343 SH   SOLE   0 0 1,343
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   10,816,627 214,957 SH   SOLE   0 0 214,957
JOHNSON & JOHNSON COM 478160104   2,934,987 18,935 SH   SOLE   0 0 18,935
JPMORGAN CHASE & CO COM 46625H100   4,871,015 37,380 SH   SOLE   0 0 37,380
LILLY ELI & CO COM 532457108   244,859 713 SH   SOLE   0 0 713
LOWES COS INC COM 548661107   386,942 1,935 SH   SOLE   0 0 1,935
MASTERCARD INCORPORATED CL A 57636Q104   315,077 867 SH   SOLE   0 0 867
MCDONALDS CORP COM 580135101   253,063 905 SH   SOLE   0 0 905
MDU RES GROUP INC COM 552690109   304,800 10,000 SH   SOLE   0 0 10,000
MERCK & CO INC COM 58933Y105   4,103,556 38,571 SH   SOLE   0 0 38,571
MICROSOFT CORP COM 594918104   12,140,232 42,110 SH   SOLE   0 0 42,110
NEXTERA ENERGY INC COM 65339F101   394,496 5,118 SH   SOLE   0 0 5,118
NORFOLK SOUTHN CORP COM 655844108   427,566 2,017 SH   SOLE   0 0 2,017
NORTHROP GRUMMAN CORP COM 666807102   3,165,035 6,855 SH   SOLE   0 0 6,855
PAYPAL HLDGS INC COM 70450Y103   2,593,579 34,153 SH   SOLE   0 0 34,153
PEPSICO INC COM 713448108   859,805 4,716 SH   SOLE   0 0 4,716
PFIZER INC COM 717081103   334,754 8,205 SH   SOLE   0 0 8,205
PRICE T ROWE GROUP INC COM 74144T108   2,303,510 20,403 SH   SOLE   0 0 20,403
PROCTER AND GAMBLE CO COM 742718109   3,973,346 26,722 SH   SOLE   0 0 26,722
QUALCOMM INC COM 747525103   4,986,147 39,083 SH   SOLE   0 0 39,083
RAYTHEON TECHNOLOGIES CORP COM 75513E101   478,878 4,890 SH   SOLE   0 0 4,890
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   6,084,523 127,158 SH   SOLE   0 0 127,158
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   2,369,318 70,285 SH   SOLE   0 0 70,285
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   1,691,126 68,969 SH   SOLE   0 0 68,969
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,511,131 43,423 SH   SOLE   0 0 43,423
SHELL PLC SPON ADS 780259305   2,347,421 40,796 SH   SOLE   0 0 40,796
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,695,284 4,141 SH   SOLE   0 0 4,141
SYSCO CORP COM 871829107   2,709,959 35,089 SH   SOLE   0 0 35,089
TARGET CORP COM 87612E106   2,885,193 17,420 SH   SOLE   0 0 17,420
THERMO FISHER SCIENTIFIC INC COM 883556102   4,292,580 7,448 SH   SOLE   0 0 7,448
THOMSON REUTERS CORP. COM NEW 884903709   271,691 2,088 SH   SOLE   0 0 2,088
TJX COS INC NEW COM 872540109   3,558,013 45,406 SH   SOLE   0 0 45,406
TRANE TECHNOLOGIES PLC SHS G8994E103   4,908,350 26,679 SH   SOLE   0 0 26,679
UNION PAC CORP COM 907818108   223,198 1,109 SH   SOLE   0 0 1,109
UNITED PARCEL SERVICE INC CL B 911312106   4,574,664 23,582 SH   SOLE   0 0 23,582
UNITEDHEALTH GROUP INC COM 91324P102   224,481 475 SH   SOLE   0 0 475
US BANCORP DEL COM NEW 902973304   1,015,277 28,163 SH   SOLE   0 0 28,163
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,697,204 4,513 SH   SOLE   0 0 4,513
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   315,998 3,805 SH   SOLE   0 0 3,805
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   635,088 15,720 SH   SOLE   0 0 15,720
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   1,665,397 21,847 SH   SOLE   0 0 21,847
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   750,057 9,350 SH   SOLE   0 0 9,350
VERIZON COMMUNICATIONS INC COM 92343V104   2,366,428 60,849 SH   SOLE   0 0 60,849
VISA INC COM CL A 92826C839   2,237,529 9,924 SH   SOLE   0 0 9,924
WALMART INC COM 931142103   3,998,386 27,117 SH   SOLE   0 0 27,117
WASTE MGMT INC DEL COM 94106L109   398,951 2,445 SH   SOLE   0 0 2,445
WILLIAMS COS INC COM 969457100   4,387,102 146,922 SH   SOLE   0 0 146,922
WP CAREY INC COM 92936U109   1,891,190 24,418 SH   SOLE   0 0 24,418
ZIMMER BIOMET HOLDINGS INC COM 98956P102   269,124 2,083 SH   SOLE   0 0 2,083