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
ABBOTT LABS COM 002824100 923 10,096 SH   SOLE 0 6,058 0 4,038
AIR PRODS & CHEMS INC COM 009158106 435 1,800 SH   SOLE 0 1,080 0 720
AMAZON COM INC COM 023135106 590 214 SH   SOLE 0 128 0 86
AMERICAN EXPRESS CO COM 025816109 254 2,673 SH   SOLE 0 1,604 0 1,069
ANTHEM INC COM 036752103 2,783 10,583 SH   SOLE 0 6,350 0 4,233
APPLE INC COM 037833100 13,967 38,287 SH   SOLE 0 22,972 0 15,315
APPLIED MATLS INC COM 038222105 323 5,350 SH   SOLE 0 3,210 0 2,140
BK OF AMERICA CORP COM 060505104 6,345 267,150 SH   SOLE 0 160,290 0 106,860
BAUSCH HEALTH COS INC COM 071734107 308 16,845 SH   SOLE 0 10,107 0 6,738
BLACKROCK CR ALLOCATION INCO COM 092508100 357 27,033 SH   SOLE 0 16,220 0 10,813
BOEING CO COM 097023105 1,154 6,293 SH   SOLE 0 3,776 0 2,517
BORGWARNER INC COM 099724106 215 6,080 SH   SOLE 0 3,648 0 2,432
BRISTOL-MYERS SQUIBB CO COM 110122108 719 12,220 SH   SOLE 0 7,332 0 4,888
CSX CORP COM 126408103 288 4,130 SH   SOLE 0 2,478 0 1,652
CVS HEALTH CORP COM 126650100 3,131 48,198 SH   SOLE 0 28,919 0 19,279
CITIZENS FINANCIAL GROUP INC COM 174610105 694 27,485 SH   SOLE 0 16,491 0 10,994
DISNEY WALT CO COM DISNEY 254687106 1,335 11,973 SH   SOLE 0 7,184 0 4,789
DOLLAR TREE INC COM 256746108 3,005 32,422 SH   SOLE 0 19,453 0 12,969
FISERV INC COM 337738108 1,917 19,636 SH   SOLE 0 11,782 0 7,854
GENERAL DYNAMICS CORP COM 369550108 226 1,510 SH   SOLE 0 906 0 604
GENERAL MLS INC COM 370334104 247 4,000 SH   SOLE 0 2,400 0 1,600
HOME DEPOT INC COM 437076102 4,316 17,228 SH   SOLE 0 10,337 0 6,891
HONEYWELL INTL INC COM 438516106 795 5,501 SH   SOLE 0 3,301 0 2,200
HUMANA INC COM 444859102 204 525 SH   SOLE 0 315 0 210
INTEL CORP COM 458140100 875 14,622 SH   SOLE 0 8,773 0 5,849
INTERNATIONAL BUSINESS MACHS COM 459200101 217 1,800 SH   SOLE 0 1,080 0 720
INTL PAPER CO COM 460146103 275 7,815 SH   SOLE 0 4,689 0 3,126
ISHARES TR CORE S&P500 ETF 464287200 403 1,300 SH   SOLE 0 780 0 520
ISHARES TR INTRM TR CRP ETF 464288638 566 9,372 SH   SOLE 0 5,623 0 3,749
JOHNSON & JOHNSON COM 478160104 2,542 18,073 SH   SOLE 0 10,844 0 7,229
LILLY ELI & CO COM 532457108 289 1,761 SH   SOLE 0 1,057 0 704
LOWES COS INC COM 548661107 2,310 17,095 SH   SOLE 0 10,257 0 6,838
MICROSOFT CORP COM 594918104 9,871 48,504 SH   SOLE 0 29,102 0 19,402
MOODYS CORP COM 615369105 1,562 5,685 SH   SOLE 0 3,411 0 2,274
MORGAN STANLEY COM NEW 617446448 4,132 85,555 SH   SOLE 0 51,333 0 34,222
NORFOLK SOUTHERN CORP COM 655844108 526 2,994 SH   SOLE 0 1,796 0 1,198
ONEOK INC NEW COM 682680103 266 8,000 SH   SOLE 0 4,800 0 3,200
PAYCHEX INC COM 704326107 2,691 35,520 SH   SOLE 0 21,312 0 14,208
PEPSICO INC COM 713448108 787 5,950 SH   SOLE 0 3,570 0 2,380
PFIZER INC COM 717081103 502 15,360 SH   SOLE 0 9,216 0 6,144
PHILLIPS 66 COM 718546104 232 3,229 SH   SOLE 0 1,937 0 1,292
PROCTER & GAMBLE CO COM 742718109 1,092 9,131 SH   SOLE 0 5,479 0 3,652
ROPER TECHNOLOGIES INC COM 776696106 252 650 SH   SOLE 0 390 0 260
SANDERSON FARMS INC COM 800013104 1,704 14,707 SH   SOLE 0 8,824 0 5,883
SCHWAB CHARLES CORP COM 808513105 2,725 80,773 SH   SOLE 0 48,464 0 32,309
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,158 11,405 SH   SOLE 0 6,843 0 4,562
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 748 14,922 SH   SOLE 0 8,953 0 5,969
WALMART INC COM 931142103 476 3,977 SH   SOLE 0 2,386 0 1,591
WHIRLPOOL CORP COM 963320106 422 3,255 SH   SOLE 0 1,953 0 1,302