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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE COM 00287Y109 549 5,076 SH   SOLE   0 0 5,076
AMGEN COM 031162100 217 874 SH   SOLE   0 0 874
FRANKLIN RESOURCES COM 354613101 10,065 340,034 SH   SOLE   0 0 340,034
BLACKROCK COM 09247X101 267 354 SH   SOLE   0 0 354
BRIT AM TOBACCO SPONSORED ADR 110448107 7,337 189,378 SH   SOLE   0 0 189,378
CARDINAL HEALTH COM 14149Y108 414 6,817 SH   SOLE   0 0 6,817
CISCO SYSTEMS COM 17275R102 3,157 61,061 SH   SOLE   0 0 61,061
CVS HEALTH COM 126650100 420 5,583 SH   SOLE   0 0 5,583
CHEVRON COM 166764100 9,221 87,999 SH   SOLE   0 0 87,999
EMERSON ELECTRIC COM 291011104 500 5,547 SH   SOLE   0 0 5,547
GENUINE PARTS COM 372460105 3,660 31,664 SH   SOLE   0 0 31,664
GLAXOSMITHKLINE SPONSORED ADR 37733W105 8,014 224,554 SH   SOLE   0 0 224,554
ISHARES HI DIV EQ CORE HIGH DV ETF 46429B663 9,314 98,156 SH   SOLE   0 0 98,156
INTL BUS MACHINES COM 459200101 8,750 65,661 SH   SOLE   0 0 65,661
JOHNSON & JOHNSON COM 478160104 2,250 13,691 SH   SOLE   0 0 13,691
JPMORGAN CHASE COM 46625H100 229 1,506 SH   SOLE   0 0 1,506
KELLOGG COM 487836108 5,796 91,564 SH   SOLE   0 0 91,564
COCA-COLA COM 191216100 2,443 46,347 SH   SOLE   0 0 46,347
LOCKHEED MARTIN COM 539830109 855 2,314 SH   SOLE   0 0 2,314
MCDONALD'S CORP COM 580135101 2,352 10,494 SH   SOLE   0 0 10,494
3M COM 88579Y101 6,962 36,135 SH   SOLE   0 0 36,135
ALTRIA COM 02209S103 6,071 118,674 SH   SOLE   0 0 118,674
MICROSOFT COM 594918104 7,205 30,558 SH   SOLE   0 0 30,558
NEW JERSEY RES COM 646025106 7,468 187,311 SH   SOLE   0 0 187,311
PAYCHEX COM 704326107 2,883 29,411 SH   SOLE   0 0 29,411
PS ENTERPRISE GRP COM 744573106 586 9,735 SH   SOLE   0 0 9,735
PFIZER INC COM 717081103 8,714 240,530 SH   SOLE   0 0 240,530
PROCTER & GAMBLE COM 742718109 1,054 7,785 SH   SOLE   0 0 7,785
PHILIP MORRIS INTL COM 718172109 8,087 91,135 SH   SOLE   0 0 91,135
PINNACLE WEST COM 723484101 7,301 89,747 SH   SOLE   0 0 89,747
QUALCOMM COM 747525103 3,949 29,783 SH   SOLE   0 0 29,783
SCHWAB US DIVIDEND US DIVIDEND EQ 808524797 86,138 1,181,269 SH   SOLE   0 0 1,181,269
SANOFI SPONSORED ADR 80105N105 1,229 24,842 SH   SOLE   0 0 24,842
SOUTHERN CO COM 842587107 426 6,860 SH   SOLE   0 0 6,860
AT&T COM 00206R102 8,846 292,231 SH   SOLE   0 0 292,231
UNILEVER PLC SPON ADR NEW 904767704 2,069 37,066 SH   SOLE   0 0 37,066
UNITED PARCEL SVC CL B 911312106 1,753 10,315 SH   SOLE   0 0 10,315
US BANCORP COM NEW 902973304 9,918 179,311 SH   SOLE   0 0 179,311
VANGUARD REIT INDEX REIT ETF 922908553 536 5,837 SH   SOLE   0 0 5,837
VIATRIS INC COM 92556V106 401 28,716 SH   SOLE   0 0 28,716
VANG HIGH DIV YLD HIGH DIV YLD 921946406 3,047 30,140 SH   SOLE   0 0 30,140
VERIZON COM 92343V104 8,143 140,041 SH   SOLE   0 0 140,041
EXXONMOBIL COM 30231G102 9,666 173,125 SH   SOLE   0 0 173,125