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 583 5,176 SH   SOLE   0 0 5,176
ACCENTURE PLC SHS CLASS A G1151C101 310 1,053 SH   SOLE   0 0 1,053
AMERICAN ELEC POWER COM 025537101 668 7,902 SH   SOLE   0 0 7,902
FRANKLIN RESOURCES COM 354613101 10,576 330,598 SH   SOLE   0 0 330,598
BLACKROCK COM 09247X101 310 354 SH   SOLE   0 0 354
BRIT AM TOBACCO SPONSORED ADR 110448107 7,289 185,429 SH   SOLE   0 0 185,429
CARDINAL HEALTH COM 14149Y108 389 6,817 SH   SOLE   0 0 6,817
CISCO SYSTEMS COM 17275R102 3,174 59,882 SH   SOLE   0 0 59,882
CVS HEALTH COM 126650100 466 5,583 SH   SOLE   0 0 5,583
CHEVRON COM 166764100 8,934 85,294 SH   SOLE   0 0 85,294
EMERSON ELECTRIC COM 291011104 534 5,547 SH   SOLE   0 0 5,547
GENUINE PARTS COM 372460105 3,676 29,065 SH   SOLE   0 0 29,065
GLAXOSMITHKLINE SPONSORED ADR 37733W105 9,122 229,073 SH   SOLE   0 0 229,073
ISHARES HI DIV EQ CORE HIGH DV ETF 46429B663 9,290 96,243 SH   SOLE   0 0 96,243
INTL BUS MACHINES COM 459200101 9,351 63,789 SH   SOLE   0 0 63,789
JOHNSON & JOHNSON COM 478160104 2,212 13,426 SH   SOLE   0 0 13,426
JPMORGAN CHASE COM 46625H100 220 1,413 SH   SOLE   0 0 1,413
KELLOGG COM 487836108 5,792 90,038 SH   SOLE   0 0 90,038
KIMBERLY-CLARK COM 494368103 316 2,362 SH   SOLE   0 0 2,362
COCA-COLA COM 191216100 2,474 45,721 SH   SOLE   0 0 45,721
LOCKHEED MARTIN COM 539830109 876 2,314 SH   SOLE   0 0 2,314
MCDONALD'S CORP COM 580135101 2,365 10,237 SH   SOLE   0 0 10,237
3M COM 88579Y101 7,160 36,049 SH   SOLE   0 0 36,049
ALTRIA COM 02209S103 5,501 115,376 SH   SOLE   0 0 115,376
MERCK COM 58933Y105 5,890 75,735 SH   SOLE   0 0 75,735
MICROSOFT COM 594918104 8,145 30,067 SH   SOLE   0 0 30,067
NEW JERSEY RES COM 646025106 7,140 180,439 SH   SOLE   0 0 180,439
PAYCHEX COM 704326107 1,297 12,092 SH   SOLE   0 0 12,092
PS ENTERPRISE GRP COM 744573106 637 10,666 SH   SOLE   0 0 10,666
PFIZER INC COM 717081103 9,296 237,386 SH   SOLE   0 0 237,386
PROCTER & GAMBLE COM 742718109 1,050 7,785 SH   SOLE   0 0 7,785
PHILIP MORRIS INTL COM 718172109 8,808 88,872 SH   SOLE   0 0 88,872
PINNACLE WEST COM 723484101 7,213 87,993 SH   SOLE   0 0 87,993
QUALCOMM COM 747525103 4,149 29,026 SH   SOLE   0 0 29,026
SCHWAB US DIVIDEND US DIVIDEND EQ 808524797 91,404 1,208,729 SH   SOLE   0 0 1,208,729
SANOFI SPONSORED ADR 80105N105 1,267 24,065 SH   SOLE   0 0 24,065
SOUTHERN CO COM 842587107 415 6,860 SH   SOLE   0 0 6,860
AT&T COM 00206R102 8,562 297,481 SH   SOLE   0 0 297,481
TJX COMPANIES COM 872540109 267 3,961 SH   SOLE   0 0 3,961
UNILEVER PLC SPON ADR NEW 904767704 2,269 38,783 SH   SOLE   0 0 38,783
US BANCORP COM NEW 902973304 3,870 67,939 SH   SOLE   0 0 67,939
VANGUARD REIT INDEX REIT ETF 922908553 594 5,837 SH   SOLE   0 0 5,837
VIATRIS INC COM 92556V106 400 27,967 SH   SOLE   0 0 27,967
VANG HIGH DIV YLD HIGH DIV YLD 921946406 3,026 28,879 SH   SOLE   0 0 28,879
VERIZON COM 92343V104 8,090 144,393 SH   SOLE   0 0 144,393
EXXONMOBIL COM 30231G102 10,688 169,430 SH   SOLE   0 0 169,430