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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABB LTD SPONSORED ADR SPONSORED ADR 000375204   897 22,919 SH   SOLE   22,919 0 0
ALPHABET INC CAP STK CL A 02079K305   4,049 33,842 SH   SOLE   33,842 0 0
AMAZON COM INC COM 023135106   1,823 13,955 SH   SOLE   13,955 0 0
ANALOG DEVICES INC COM 032654105   2,093 10,736 SH   SOLE   10,736 0 0
APPLE INC COM 037833100   6,102 31,476 SH   SOLE   31,476 0 0
ASTRAZENECA-ADR SPONSORED ADR 046353108   386 5,425 SH   SOLE   5,425 0 0
AUTOLIV INC COM 052800109   356 4,195 SH   SOLE   4,195 0 0
BANK OF AMERICA CORP COM 060505104   2,468 86,102 SH   SOLE   86,102 0 0
BAXTER INTERNATIONAL INC COM 071813109   804 17,564 SH   SOLE   17,564 0 0
BLACKROCK INC COM 09247X101   2,286 3,308 SH   SOLE   3,308 0 0
BRITISH AMERICAN TOBACCO PLC ADR SPONSORED ADR 110448107   591 17,732 SH   SOLE   17,732 0 0
BROADCOM INC COM 11135F101   2,592 2,984 SH   SOLE   2,984 0 0
CSX CORP COM 126408103   2,241 65,755 SH   SOLE   65,755 0 0
CHEVRON CORP COM 166764100   2,903 18,439 SH   SOLE   18,439 0 0
CISCO SYSTEMS INC COM 17275R102   2,122 40,984 SH   SOLE   40,984 0 0
COCA COLA CO COM 191216100   2,066 34,312 SH   SOLE   34,312 0 0
COSTCO WHSL CORP COM 22160K105   2,701 5,013 SH   SOLE   5,013 0 0
DIAGEO PLC-ADR ADR NEW 25243Q205   833 4,815 SH   SOLE   4,815 0 0
WALT DISNEY CO COM 254687106   1,522 17,028 SH   SOLE   17,028 0 0
EQUINOR ASA NPV - ADR SPONSORED ADR 29446M102   908 31,115 SH   SOLE   31,115 0 0
HOME DEPOT INC COM 437076102   2,183 7,036 SH   SOLE   7,036 0 0
ISHARES DJ SELECT DIVIDEND INDEX ETF 464287168   2,386 21,082 SH   SOLE   21,082 0 0
ISHARES MSCI EUROPE FINANCIALS-ETF ETF 464289180   881 45,956 SH   SOLE   45,956 0 0
JPMORGAN CHASE & CO COM 46625H100   3,165 21,771 SH   SOLE   21,771 0 0
JOHNSON & JOHNSON COM 478160104   2,147 12,975 SH   SOLE   12,975 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   1,853 9,433 SH   SOLE   9,433 0 0
LILLY ELI & CO COM 532457108   2,402 5,132 SH   SOLE   5,132 0 0
MASTERCARD INC CL A 57636Q104   3,450 8,770 SH   SOLE   8,770 0 0
MCDONALDS CORP COM 580135101   2,155 7,206 SH   SOLE   7,206 0 0
MICROSOFT CORP COM 594918104   6,642 19,502 SH   SOLE   19,502 0 0
NEXTERA ENERGY INC COM 65339F101   1,928 25,955 SH   SOLE   25,955 0 0
NIKE INC CL B 654106103   1,953 17,695 SH   SOLE   17,695 0 0
NOVARTIS AG-ADR SPONSORED ADR 66987V109   854 8,473 SH   SOLE   8,473 0 0
NOVO NORDISH A/S ADR ADS 670100205   1,743 10,778 SH   SOLE   10,778 0 0
PEPSICO INC COM 713448108   2,098 11,323 SH   SOLE   11,323 0 0
PFIZER INC COM 717081103   1,499 40,799 SH   SOLE   40,799 0 0
PROCTER AND GAMBLE COM 742718109   2,257 14,887 SH   SOLE   14,887 0 0
PROSHARES SNP 500 DIVIDEND ARISTROC ARIST 74348A467   2,359 25,006 SH   SOLE   25,006 0 0
PRUDENTIAL FINANCIAL INC COM 744320102   1,163 13,234 SH   SOLE   13,234 0 0
QUALCOMM INC COM 747525103   1,788 15,000 SH   SOLE   15,000 0 0
RELX PLC SPON ADR SPONSORED ADR 759530108   891 26,602 SH   SOLE   26,602 0 0
SHELL PLC- ADR ADS 780259305   913 15,178 SH   SOLE   15,178 0 0
SANOFI-AVENTIS-ADR SPONSORED ADR 80105N105   877 16,273 SH   SOLE   16,273 0 0
SAP AG-SPONS ADR SPONADR 803054204   1,403 10,265 SH   SOLE   10,265 0 0
STARBUCKS CORP COM 855244109   2,010 20,289 SH   SOLE   20,289 0 0
STRYKER CORP COM 863667101   2,069 6,783 SH   SOLE   6,783 0 0
SYSCO CORP COM 871829107   1,887 25,444 SH   SOLE   25,444 0 0
TJX COMPANIES INC COM 872540109   2,076 24,501 SH   SOLE   24,501 0 0
TARGET CORPORATION COM 87612E106   1,678 12,758 SH   SOLE   12,758 0 0
TEXAS INSTRUMENTS COM 882508104   1,685 9,356 SH   SOLE   9,356 0 0
UNILEVER PLC-ADR COM 904767704   860 16,579 SH   SOLE   16,579 0 0
UNITEDHEALTH GROUP COM 91324P102   3,643 7,592 SH   SOLE   7,592 0 0
VALERO ENERGY CORP COM 91913Y100   2,164 18,436 SH   SOLE   18,436 0 0
ACCENTURE PLC - CL A SS A G1151C101   3,622 11,744 SH   SOLE   11,744 0 0
EATON CORP PLC SHS G29183103   3,769 18,744 SH   SOLE   18,744 0 0
MEDTRONIC PLC SHS G5960L103   1,908 21,669 SH   SOLE   21,669 0 0
NVENT ELECTRIC PLC SHS G6700G107   563 10,927 SH   SOLE   10,927 0 0
TE CONNECTIVITY LTD SHS H84989104   868 6,198 SH   SOLE   6,198 0 0
ABBVIE INC COM 00287Y109   133 996 SH   DFND 1 0 996 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   141 1,681 SH   DFND 1 0 1,681 0
ALPHABET INC CAP STK CL C 02079K107   489 4,054 SH   DFND 1 0 4,054 0
ALPHABET INC CAP STK CL A 02079K305   96 800 SH   DFND 1 0 800 0
AMAZON COM INC COM 023135106   401 3,107 SH   DFND 1 0 3,107 0
AMERICAN TOWER CORP NEW COM 03027X100   99 516 SH   DFND 1 0 516 0
APPLE INC COM 037833100   1,003 5,254 SH   DFND 1 0 5,254 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   400 1,185 SH   DFND 1 0 1,185 0
BOEING CO COM 097023105   140 662 SH   DFND 1 0 662 0
BOOKING HOLDINGS INC COM 09857L108   32 12 SH   DFND 1 0 12 0
CATERPILLAR INC COM 149123101   61 248 SH   DFND 1 0 248 0
CENTENE CORP DEL COM 15135B101   78 1,167 SH   DFND 1 0 1,167 0
CHEVRON CORP COM 166764100   164 1,050 SH   DFND 1 0 1,050 0
CITIGROUP INC COM NEW 172967424   95 2,057 SH   DFND 1 0 2,057 0
COSTCO WHSL CORP COM 22160K105   64 120 SH   DFND 1 0 120 0
DEERE & CO COM 244199105   19 46 SH   DFND 1 0 46 0
WALT DISNEY CO COM 254687106   140 1,572 SH   DFND 1 0 1,572 0
EXXON MOBIL CORP COM 30231G102   136 1,282 SH   DFND 1 0 1,282 0
JPMORGAN CHASE & CO COM 46625H100   125 875 SH   DFND 1 0 875 0
JOHNSON & JOHNSON COM 478160104   271 1,652 SH   DFND 1 0 1,652 0
LAUDER ESTEE COS INC CL A 518439104   88 451 SH   DFND 1 0 451 0
LILLY ELI & CO COM 532457108   108 233 SH   DFND 1 0 233 0
LOCKHEED MARTIN CORP COM 539830109   34 74 SH   DFND 1 0 74 0
MICROSOFT CORP COM 594918104   872 2,587 SH   DFND 1 0 2,587 0
MICRON TECHNOLOGY INC COM 595112103   51 790 SH   DFND 1 0 790 0
NVIDIA CORPORATION COM 67066G104   204 493 SH   DFND 1 0 493 0
PROCTER AND GAMBLE COM 742718109   78 519 SH   DFND 1 0 519 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   19 200 SH   DFND 1 0 200 0
SALESFORCE INC COM 79466L302   277 1,309 SH   DFND 1 0 1,309 0
SCHLUMBERGER LTD COM STK 806857108   59 1,212 SH   DFND 1 0 1,212 0
TESLA INC COM 88160R101   171 661 SH   DFND 1 0 661 0
THERMO FISHER SCIENTIFIC INC COM 883556102   54 104 SH   DFND 1 0 104 0
UNITEDHEALTH GROUP COM 91324P102   138 289 SH   DFND 1 0 289 0
VERTEX PHARMACEUTICALS INC COM 92532F100   203 579 SH   DFND 1 0 579 0
VISA INC COM CL A 92826C839   99 423 SH   DFND 1 0 423 0
WELLS FARGO CO NEW COM 949746101   81 1,939 SH   DFND 1 0 1,939 0