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
3M CO COM 88579Y101 7,045 63,752 SH   SOLE   0 0 63,752
ALTRIA GROUP INC COM 02209S103 4,628 114,606 SH   SOLE   0 0 114,606
AMGEN INC COM 031162100 736 3,264 SH   SOLE   0 0 3,264
AT&T INC COM 00206R102 4,408 287,365 SH   SOLE   0 0 287,365
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 6,458 181,906 SH   SOLE   0 0 181,906
CHEVRON CORP NEW COM 166764100 3,980 27,704 SH   SOLE   0 0 27,704
CISCO SYS INC COM 17275R102 9,444 236,109 SH   SOLE   0 0 236,109
CVS HEALTH CORP COM 126650100 525 5,506 SH   SOLE   0 0 5,506
EMERSON ELEC CO COM 291011104 406 5,547 SH   SOLE   0 0 5,547
EXXON MOBIL CORP COM 30231G102 12,036 137,850 SH   SOLE   0 0 137,850
FRANKLIN RESOURCES INC COM 354613101 2,524 117,296 SH   SOLE   0 0 117,296
GENUINE PARTS CO COM 372460105 3,867 25,895 SH   SOLE   0 0 25,895
GSK PLC SPONSORED ADR 37733W105 7,736 262,870 SH   SOLE   0 0 262,870
HALEON PLC SPON ADS 405552100 1,455 238,838 SH   SOLE   0 0 238,838
INTEL CORP COM 458140100 5,659 219,613 SH   SOLE   0 0 219,613
INTERNATIONAL BUSINESS MACHS COM 459200101 6,820 57,403 SH   SOLE   0 0 57,403
ISHARES TR CORE HIGH DV ETF 46429B663 3,270 35,816 SH   SOLE   0 0 35,816
JOHNSON & JOHNSON COM 478160104 1,809 11,074 SH   SOLE   0 0 11,074
JPMORGAN CHASE & CO COM 46625H100 6,992 66,907 SH   SOLE   0 0 66,907
KELLOGG CO COM 487836108 7,451 106,964 SH   SOLE   0 0 106,964
LOCKHEED MARTIN CORP COM 539830109 863 2,233 SH   SOLE   0 0 2,233
MCDONALDS CORP COM 580135101 2,277 9,869 SH   SOLE   0 0 9,869
MICROSOFT CORP COM 594918104 6,917 29,701 SH   SOLE   0 0 29,701
NEW JERSEY RES CORP COM 646025106 6,662 172,138 SH   SOLE   0 0 172,138
PFIZER INC COM 717081103 2,448 55,952 SH   SOLE   0 0 55,952
PHILIP MORRIS INTL INC COM 718172109 7,249 87,328 SH   SOLE   0 0 87,328
PINNACLE WEST CAP CORP COM 723484101 5,868 90,955 SH   SOLE   0 0 90,955
PROCTER AND GAMBLE CO COM 742718109 983 7,785 SH   SOLE   0 0 7,785
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 1,413 25,123 SH   SOLE   0 0 25,123
QUALCOMM INC COM 747525103 3,212 28,428 SH   SOLE   0 0 28,428
SANOFI SPONSORED ADR 80105N105 904 23,772 SH   SOLE   0 0 23,772
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 81,112 1,221,015 SH   SOLE   0 0 1,221,015
SOUTHERN CO COM 842587107 375 5,508 SH   SOLE   0 0 5,508
SPDR SER TR PRTFLO S&P500 HI 78468R788 6,069 171,091 SH   SOLE   0 0 171,091
PRICE T ROWE GROUP INC COM 74144T108 6,342 60,394 SH   SOLE   0 0 60,394
COCA COLA CO COM 191216100 2,124 37,908 SH   SOLE   0 0 37,908
UNILEVER PLC SPON ADR NEW 904767704 7,256 165,522 SH   SOLE   0 0 165,522
UNITED PARCEL SERVICE INC CL B 911312106 6,675 41,324 SH   SOLE   0 0 41,324
US BANCORP DEL COM NEW 902973304 2,396 59,435 SH   SOLE   0 0 59,435
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,438 25,698 SH   SOLE   0 0 25,698
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 396 4,942 SH   SOLE   0 0 4,942
VERIZON COMMUNICATIONS INC COM 92343V104 7,906 208,230 SH   SOLE   0 0 208,230
VIATRIS INC COM 92556V106 230 27,019 SH   SOLE   0 0 27,019
WARNER BROS DISCOVERY INC COM SER A 934423104 798 69,358 SH   SOLE   0 0 69,358