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
ABB LTD SPONSORED ADR ADR 000375204 710 26,517 SH   SOLE   26,517 0 0
ALPHABET INC CAP STK CL A 02079K305 5,002 2,295 SH   SOLE   2,295 0 0
AMAZON COM INC COM 023135106 1,050 9,943 SH   SOLE   9,943 0 0
ANALOG DEVICES INC COM 032654105 1,314 8,984 SH   SOLE   8,984 0 0
APPLE INC COM 037833100 5,667 41,439 SH   SOLE   41,439 0 0
ASTRAZENECA-ADR ADR 046353108 412 6,280 SH   SOLE   6,280 0 0
AUTOLIV INC COM 052800109 342 4,790 SH   SOLE   4,790 0 0
BANK OF AMERICA CORP COM 060505104 2,772 89,248 SH   SOLE   89,248 0 0
BAXTER INTERNATIONAL INC COM 071813109 1,285 20,063 SH   SOLE   20,063 0 0
BLACKROCK INC COM 09247X101 2,313 3,798 SH   SOLE   3,798 0 0
BRITISH AMERICAN TOBACCO PLC ADR SPONSORED ADR 110448107 892 20,782 SH   SOLE   20,782 0 0
BROADCOM INC COM 11135F101 2,022 4,166 SH   SOLE   4,166 0 0
CSX CORP COM 126408103 2,362 81,317 SH   SOLE   81,317 0 0
CHEVRON CORP COM 166764100 3,148 21,726 SH   SOLE   21,726 0 0
CISCO SYSTEMS INC COM 17275R102 1,516 35,565 SH   SOLE   35,565 0 0
COCA COLA CO COM 191216100 1,791 28,529 SH   SOLE   28,529 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105 2,755 5,753 SH   SOLE   5,753 0 0
DIAGEO PLC-ADR COM 25243Q205 965 5,571 SH   SOLE   5,571 0 0
DISNEY WALT CO COM 254687106 1,829 19,368 SH   SOLE   19,368 0 0
EQUINOR ASA NPV - ADR SPONSORED ADR 29446M102 1,025 29,490 SH   SOLE   29,490 0 0
GSK PLC-SPON ADR COM 37733W105 443 10,212 SH   SOLE   10,212 0 0
HOME DEPOT INC COM 437076102 2,331 8,491 SH   SOLE   8,491 0 0
ISHARES DJ SELECT DIVIDEND INDEX ETF 464287168 2,282 19,380 SH   SOLE   19,380 0 0
JPMORGAN CHASE & CO COM 46625H100 3,021 26,795 SH   SOLE   26,795 0 0
JOHNSON & JOHNSON COM 478160104 2,403 13,512 SH   SOLE   13,512 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109 2,527 10,472 SH   SOLE   10,472 0 0
LILLY ELI AND CO COM 532457108 2,439 7,517 SH   SOLE   7,517 0 0
MASTERCARD INC COM 57636Q104 4,021 12,744 SH   SOLE   12,744 0 0
MCDONALDS CORP COM 580135101 2,504 10,133 SH   SOLE   10,133 0 0
MICROSOFT CORP COM 594918104 5,991 23,336 SH   SOLE   23,336 0 0
NIKE INC COM 654106103 1,746 17,087 SH   SOLE   17,087 0 0
NOVARTIS AG-ADR COM 66987V109 593 7,037 SH   SOLE   7,037 0 0
NOVO NORDISH A/S ADR COM 670100205 1,470 13,217 SH   SOLE   13,217 0 0
PEPSICO INC COM 713448108 1,921 11,592 SH   SOLE   11,592 0 0
PFIZER INC COM 717081103 2,575 49,133 SH   SOLE   49,133 0 0
PROCTER AND GAMBLE CO COM 742718109 2,442 16,989 SH   SOLE   16,989 0 0
PROSHARES SNP 500 DIVIDEND ARISTROC S&P 500 DV ARIST 74348A467 1,612 18,964 SH   SOLE   18,964 0 0
PRUDENTIAL FINANCIAL INC COM 744320102 1,429 14,907 SH   SOLE   14,907 0 0
QUALCOMM INC COM 747525103 2,187 17,142 SH   SOLE   17,142 0 0
RELX PLC SPON ADR COM 759530108 778 28,814 SH   SOLE   28,814 0 0
SHELL PLC- ADR SPON ADS 780259305 814 15,593 SH   SOLE   15,593 0 0
SANOFI-AVENTIS-ADR COM 80105N105 788 15,778 SH   SOLE   15,778 0 0
SAP AG-SPONS ADR COM 803054204 1,194 13,100 SH   SOLE   13,100 0 0
STARBUCKS CORP COM 855244109 1,774 23,140 SH   SOLE   23,140 0 0
STRYKER CORP COM 863667101 1,868 9,372 SH   SOLE   9,372 0 0
TJX COMPANIES INC COM 872540109 2,074 37,128 SH   SOLE   37,128 0 0
TARGET CORPORATION COM 87612E106 1,750 12,403 SH   SOLE   12,403 0 0
TEXAS INSTRUMENTS COM 882508104 1,623 10,584 SH   SOLE   10,584 0 0
TRUIST FINL CORP COM 89832Q109 2,077 43,752 SH   SOLE   43,752 0 0
UNILEVER PLC-ADR COM 904767704 883 19,215 SH   SOLE   19,215 0 0
UNITEDHEALTH GROUP INC COM 91324P102 4,521 8,805 SH   SOLE   8,805 0 0
VALERO ENERGY CORP COM 91913Y100 2,277 21,411 SH   SOLE   21,411 0 0
ACCENTURE PLC - CL A COM G1151C101 3,959 14,256 SH   SOLE   14,256 0 0
EATON CORP PLC COM G29183103 2,741 21,678 SH   SOLE   21,678 0 0
MEDTRONIC PLC COM G5960L103 1,662 18,522 SH   SOLE   18,522 0 0
NVENT ELECTRIC PLC COM G6700G107 393 12,561 SH   SOLE   12,561 0 0
TE CONNECTIVITY LTD COM H84989104 812 7,172 SH   SOLE   7,172 0 0
ABBVIE INC COM 00287Y109 59 385 SH   DFND 1 0 385 0
ALPHABET INC CAP STK CL C 02079K107 330 148 SH   DFND 1 0 148 0
ALPHABET INC CAP STK CL A 02079K305 89 40 SH   DFND 1 0 40 0
AMAZON COM INC COM 023135106 208 1,938 SH   DFND 1 0 1,938 0
AMERICAN TOWER CORP NEW COM 03027X100 69 270 SH   DFND 1 0 270 0
APPLE INC COM 037833100 542 3,934 SH   DFND 1 0 3,934 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 216 789 SH   DFND 1 0 789 0
BLACKROCK INC COM 09247X101 37 60 SH   DFND 1 0 60 0
BOEING CO COM 097023105 65 469 SH   DFND 1 0 469 0
BOOKING HOLDINGS INC COM 09857L108 36 20 SH   DFND 1 0 20 0
CHEVRON CORP COM 166764100 155 1,050 SH   DFND 1 0 1,050 0
CITIGROUP INC COM NEW 172967424 58 1,239 SH   DFND 1 0 1,239 0
DISNEY WALT CO COM 254687106 83 871 SH   DFND 1 0 871 0
EXXON MOBIL CORP COM 30231G102 63 707 SH   DFND 1 0 707 0
ISHARES TR US CONSUM DISCRE 464287580 15 260 SH   DFND 1 0 260 0
ISHARES TR RUSSELL 2000 ETF 464287655 28 164 SH   DFND 1 0 164 0
ISHARES TR U.S. MED DVC ETF 464288810 230 4,561 SH   DFND 1 0 4,561 0
JPMORGAN CHASE & CO COM 46625H100 67 589 SH   DFND 1 0 589 0
JOHNSON & JOHNSON COM 478160104 78 442 SH   DFND 1 0 442 0
LAUDER ESTEE COS INC CL A 518439104 70 275 SH   DFND 1 0 275 0
MICROSOFT CORP COM 594918104 473 1,833 SH   DFND 1 0 1,833 0
NVIDIA CORPORATION COM 67066G104 65 415 SH   DFND 1 0 415 0
PROCTER AND GAMBLE CO COM 742718109 75 525 SH   DFND 1 0 525 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 38 400 SH   DFND 1 0 400 0
SALESFORCE INC COM 79466L302 152 900 SH   DFND 1 0 900 0
SCHLUMBERGER LTD COM STK 806857108 142 3,899 SH   DFND 1 0 3,899 0
TESLA INC COM 88160R101 73 106 SH   DFND 1 0 106 0
THERMO FISHER SCIENTIFIC INC COM 883556102 100 186 SH   DFND 1 0 186 0
UNION PAC CORP COM 907818108 67 314 SH   DFND 1 0 314 0
UNITEDHEALTH GROUP INC COM 91324P102 94 184 SH   DFND 1 0 184 0
VERTEX PHARMACEUTICALS INC COM 92532F100 162 579 SH   DFND 1 0 579 0
VISA INC COM CL A 92826C839 71 359 SH   DFND 1 0 359 0
WELLS FARGO CO NEW COM 949746101 20 511 SH   DFND 1 0 511 0