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
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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   7,694,019 64,160 SH   SOLE   0 0 64,160
ALTRIA GROUP INC COM 02209S103   5,198,379 113,725 SH   SOLE   0 0 113,725
AMERICAN ELEC PWR CO INC COM 025537101   7,158,280 75,390 SH   SOLE   0 0 75,390
AT&T INC COM 00206R102   5,241,644 284,717 SH   SOLE   0 0 284,717
BLACKROCK INC COM 09247X101   250,855 354 SH   SOLE   0 0 354
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   7,224,778 180,710 SH   SOLE   0 0 180,710
CHEVRON CORP NEW COM 166764100   4,939,690 27,521 SH   SOLE   0 0 27,521
CISCO SYS INC COM 17275R102   10,821,941 227,161 SH   SOLE   0 0 227,161
CVS HEALTH CORP COM 126650100   495,678 5,319 SH   SOLE   0 0 5,319
EMERSON ELEC CO COM 291011104   532,845 5,547 SH   SOLE   0 0 5,547
EXXON MOBIL CORP COM 30231G102   5,639,297 51,127 SH   SOLE   0 0 51,127
FRANKLIN RESOURCES INC COM 354613101   3,085,890 116,978 SH   SOLE   0 0 116,978
GENUINE PARTS CO COM 372460105   4,367,663 25,172 SH   SOLE   0 0 25,172
GSK PLC SPONSORED ADR 37733W204   9,279,778 264,080 SH   SOLE   0 0 264,080
HALEON PLC SPON ADS 405552100   1,899,750 237,469 SH   SOLE   0 0 237,469
INTEL CORP COM 458140100   6,196,540 234,451 SH   SOLE   0 0 234,451
INTERNATIONAL BUSINESS MACHS COM 459200101   7,921,202 56,223 SH   SOLE   0 0 56,223
ISHARES TR CORE HIGH DV ETF 46429B663   3,718,251 35,670 SH   SOLE   0 0 35,670
JOHNSON & JOHNSON COM 478160104   1,945,004 11,010 SH   SOLE   0 0 11,010
LOCKHEED MARTIN CORP COM 539830109   1,086,332 2,233 SH   SOLE   0 0 2,233
MCDONALDS CORP COM 580135101   2,580,252 9,791 SH   SOLE   0 0 9,791
MEDTRONIC PLC SHS G5960L103   746,345 9,603 SH   SOLE   0 0 9,603
MICROSOFT CORP COM 594918104   7,074,306 29,498 SH   SOLE   0 0 29,498
NEW JERSEY RES CORP COM 646025106   7,619,846 153,564 SH   SOLE   0 0 153,564
PFIZER INC COM 717081103   2,850,931 55,639 SH   SOLE   0 0 55,639
PHILIP MORRIS INTL INC COM 718172109   8,778,257 86,733 SH   SOLE   0 0 86,733
PINNACLE WEST CAP CORP COM 723484101   6,863,036 90,256 SH   SOLE   0 0 90,256
PROCTER AND GAMBLE CO COM 742718109   1,179,895 7,785 SH   SOLE   0 0 7,785
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   7,719,836 125,997 SH   SOLE   0 0 125,997
QUALCOMM INC COM 747525103   3,125,429 28,428 SH   SOLE   0 0 28,428
SANOFI SPONSORED ADR 80105N105   1,144,507 23,632 SH   SOLE   0 0 23,632
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   104,841,826 1,387,898 SH   SOLE   0 0 1,387,898
SOUTHERN CO COM 842587107   393,326 5,508 SH   SOLE   0 0 5,508
SPDR SER TR PRTFLO S&P500 HI 78468R788   6,856,507 173,232 SH   SOLE   0 0 173,232
PRICE T ROWE GROUP INC COM 74144T108   6,661,537 61,081 SH   SOLE   0 0 61,081
COCA COLA CO COM 191216100   2,411,341 37,908 SH   SOLE   0 0 37,908
UNILEVER PLC SPON ADR NEW 904767704   8,319,210 165,228 SH   SOLE   0 0 165,228
UNITED PARCEL SERVICE INC CL B 911312106   7,217,941 41,521 SH   SOLE   0 0 41,521
US BANCORP DEL COM NEW 902973304   2,580,500 59,172 SH   SOLE   0 0 59,172
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,767,280 25,573 SH   SOLE   0 0 25,573
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   407,616 4,942 SH   SOLE   0 0 4,942
VERIZON COMMUNICATIONS INC COM 92343V104   8,920,333 226,404 SH   SOLE   0 0 226,404
VIATRIS INC COM 92556V106   298,938 26,859 SH   SOLE   0 0 26,859
WARNER BROS DISCOVERY INC COM SER A 934423104   654,025 68,990 SH   SOLE   0 0 68,990