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
ABBOTT LABS COM 002824100   1,085,979 11,213 SH   SOLE   0 0 11,213
ABBVIE INC COM 00287Y109   6,921,033 46,431 SH   SOLE   0 0 46,431
ACTIVISION BLIZZARD INC COM 00507V109   1,582,365 16,900 PRN   SOLE   0 0 16,900
ADOBE INC COM 00724F101   2,388,780 4,685 PRN   SOLE   0 0 4,685
AES CORP COM 00130H105   2,149,174 141,393 SH   SOLE   0 0 141,393
AGNICO EAGLE MINES LTD COM 008474108   6,984,805 153,681 PRN   SOLE   0 0 153,681
ALBEMARLE CORP COM 012653101   2,831,773 16,654 PRN   SOLE   0 0 16,654
ALPHABET INC CAP STK CL C 02079K107   2,890,128 21,920 SH   SOLE   0 0 21,920
ALPHABET INC CAP STK CL A 02079K305   4,852,838 37,084 SH   SOLE   0 0 37,084
AMAZON COM INC COM 023135106   2,692,783 21,183 PRN   SOLE   0 0 21,183
APPLE INC COM 037833100   6,767,282 39,526 SH   SOLE   0 0 39,526
AUTOZONE INC COM 053332102   8,521,920 3,355 SH   SOLE   0 0 3,355
BANK AMERICA CORP COM 060505104   1,994,142 72,832 PRN   SOLE   0 0 72,832
BCE INC COM NEW 05534B760   2,425,055 63,533 PRN   SOLE   0 0 63,533
BERKSHIRE HATHAWAY INC DEL CL A 084670108   531,477 1 PRN   SOLE   0 0 1
BRISTOL-MYERS SQUIBB CO COM 110122108   4,979,324 85,791 SH   SOLE   0 0 85,791
BROADCOM INC COM 11135F101   13,618,279 16,396 PRN   SOLE   0 0 16,396
CHEVRON CORP NEW COM 166764100   8,077,545 47,904 SH   SOLE   0 0 47,904
CHUBB LIMITED COM H1467J104   1,346,956 6,470 SH   SOLE   0 0 6,470
CISCO SYS INC COM 17275R102   4,085,815 76,001 SH   SOLE   0 0 76,001
COLGATE PALMOLIVE CO COM 194162103   939,790 13,216 SH   SOLE   0 0 13,216
COMCAST CORP NEW CL A 20030N101   5,208,886 117,476 SH   SOLE   0 0 117,476
CONSTELLATION BRANDS INC CL A 21036P108   1,948,951 7,755 SH   SOLE   0 0 7,755
COSTCO WHSL CORP NEW COM 22160K105   4,023,736 7,122 SH   SOLE   0 0 7,122
CSX CORP COM 126408103   392,063 12,750 PRN   SOLE   0 0 12,750
CVS HEALTH CORP COM 126650100   4,598,764 65,866 PRN   SOLE   0 0 65,866
DEERE & CO COM 244199105   3,700,152 9,805 SH   SOLE   0 0 9,805
DELL TECHNOLOGIES INC CL C 24703L202   934,904 13,569 SH   SOLE   0 0 13,569
DIAGEO PLC SPON ADR NEW 25243Q205   667,581 4,475 SH   SOLE   0 0 4,475
DIAMONDBACK ENERGY INC COM 25278X109   2,641,382 17,054 SH   SOLE   0 0 17,054
EATON CORP PLC SHS G29183103   3,817,925 17,901 PRN   SOLE   0 0 17,901
EDWARDS LIFESCIENCES CORP COM 28176E108   4,694,129 67,756 SH   SOLE   0 0 67,756
EVERSOURCE ENERGY COM 30040W108   340,992 5,864 SH   SOLE   0 0 5,864
EXXON MOBIL CORP COM 30231G102   612,474 5,209 SH   SOLE   0 0 5,209
FRANKLIN BSP RLTY TR INC COMMON STOCK 35243J101   1,840,360 139,000 SH   SOLE   0 0 139,000
HALLIBURTON CO COM 406216101   213,840 5,280 SH   SOLE   0 0 5,280
HONEYWELL INTL INC COM 438516106   2,329,265 12,608 SH   SOLE   0 0 12,608
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   230,160 8,400 SH   SOLE   0 0 8,400
ISHARES TR 0-3 MNTH TREASRY 46436E718   17,549,176 174,324 PRN   SOLE   0 0 174,324
ISHARES TR MSCI EAFE ETF 464287465   931,247 13,512 SH   SOLE   0 0 13,512
ISHARES TR CORE S&P TTL STK 464287150   230,890 2,451 SH   SOLE   0 0 2,451
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   5,766,768 119,222 PRN   SOLE   0 0 119,222
JOHNSON & JOHNSON COM 478160104   5,664,239 36,368 SH   SOLE   0 0 36,368
JPMORGAN CHASE & CO COM 46625H100   8,607,976 59,357 SH   SOLE   0 0 59,357
KEURIG DR PEPPER INC COM 49271V100   312,354 9,894 SH   SOLE   0 0 9,894
KINDER MORGAN INC DEL COM 49456B101   2,804,872 169,172 SH   SOLE   0 0 169,172
KRAFT HEINZ CO COM 500754106   2,040,737 60,664 SH   SOLE   0 0 60,664
LABORATORY CORP AMER HLDGS COM NEW 50540R409   376,969 1,875 SH   SOLE   0 0 1,875
LOWES COS INC COM 548661107   4,923,335 23,688 SH   SOLE   0 0 23,688
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   3,111,369 32,855 SH   SOLE   0 0 32,855
MARRIOTT INTL INC NEW CL A 571903202   1,217,542 6,194 SH   SOLE   0 0 6,194
MASTERCARD INCORPORATED CL A 57636Q104   7,085,950 17,898 SH   SOLE   0 0 17,898
MCDONALDS CORP COM 580135101   3,568,822 13,547 SH   SOLE   0 0 13,547
MEDTRONIC PLC SHS G5960L103   2,063,140 26,329 SH   SOLE   0 0 26,329
MERCK & CO INC COM 58933Y105   5,059,852 49,149 SH   SOLE   0 0 49,149
META PLATFORMS INC CL A 30303M102   2,787,195 9,284 SH   SOLE   0 0 9,284
MICROSOFT CORP COM 594918104   10,979,840 34,774 SH   SOLE   0 0 34,774
MODERNA INC COM 60770K107   617,777 5,981 SH   SOLE   0 0 5,981
MONDELEZ INTL INC CL A 609207105   476,917 6,872 SH   SOLE   0 0 6,872
MORGAN STANLEY COM NEW 617446448   2,472,804 30,278 SH   SOLE   0 0 30,278
NORFOLK SOUTHN CORP COM 655844108   528,757 2,685 SH   SOLE   0 0 2,685
NOVO-NORDISK A S ADR 670100205   7,476,068 82,209 SH   SOLE   0 0 82,209
NXP SEMICONDUCTORS N V COM N6596X109   5,814,642 29,085 SH   SOLE   0 0 29,085
ORACLE CORP COM 68389X105   535,955 5,060 SH   SOLE   0 0 5,060
PALO ALTO NETWORKS INC COM 697435105   3,645,905 15,552 SH   SOLE   0 0 15,552
PEPSICO INC COM 713448108   4,786,302 28,248 SH   SOLE   0 0 28,248
PHILLIPS 66 COM 718546104   4,662,084 38,802 SH   SOLE   0 0 38,802
PNC FINL SVCS GROUP INC COM 693475105   3,381,700 27,545 SH   SOLE   0 0 27,545
PROCTER AND GAMBLE CO COM 742718109   233,230 1,599 SH   SOLE   0 0 1,599
QUALCOMM INC COM 747525103   4,029,584 36,283 SH   SOLE   0 0 36,283
READY CAPITAL CORP COM 75574U101   1,467,042 145,108 SH   SOLE   0 0 145,108
RPM INTL INC COM 749685103   246,506 2,600 SH   SOLE   0 0 2,600
RTX CORPORATION COM 75513E101   3,527,034 49,007 SH   SOLE   0 0 49,007
SALESFORCE INC COM 79466L302   1,229,384 6,063 SH   SOLE   0 0 6,063
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   989,722 19,854 SH   SOLE   0 0 19,854
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,429,017 102,159 SH   SOLE   0 0 102,159
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   12,543,811 177,273 SH   SOLE   0 0 177,273
SMUCKER J M CO COM NEW 832696405   2,457,708 19,996 SH   SOLE   0 0 19,996
SOUTHERN CO COM 842587107   2,686,009 41,502 SH   SOLE   0 0 41,502
SPDR GOLD TR GOLD SHS 78463V107   278,435 1,624 PRN   SOLE   0 0 1,624
TARGET CORP COM 87612E106   1,944,595 17,587 SH   SOLE   0 0 17,587
THERMO FISHER SCIENTIFIC INC COM 883556102   6,998,225 13,826 SH   SOLE   0 0 13,826
TJX COS INC NEW COM 872540109   5,700,674 64,139 SH   SOLE   0 0 64,139
TRANE TECHNOLOGIES PLC SHS G8994E103   3,780,045 18,629 SH   SOLE   0 0 18,629
TRAVELERS COMPANIES INC COM 89417E109   7,880,197 48,253 SH   SOLE   0 0 48,253
UNILEVER PLC SPON ADR NEW 904767704   273,182 5,530 PRN   SOLE   0 0 5,530
UNION PAC CORP COM 907818108   2,257,849 11,088 SH   SOLE   0 0 11,088
UNITED PARCEL SERVICE INC CL B 911312106   2,601,159 16,688 SH   SOLE   0 0 16,688
UNITEDHEALTH GROUP INC COM 91324P102   4,138,265 8,208 SH   SOLE   0 0 8,208
V F CORP COM 918204108   1,351,808 76,503 SH   SOLE   0 0 76,503
VALERO ENERGY CORP COM 91913Y100   988,025 6,972 SH   SOLE   0 0 6,972
VANECK ETF TRUST GOLD MINERS ETF 92189F106   1,135,844 42,209 PRN   SOLE   0 0 42,209
VANGUARD INDEX FDS GROWTH ETF 922908736   279,941 1,028 SH   SOLE   0 0 1,028
VANGUARD INDEX FDS LARGE CAP ETF 922908637   248,458 1,270 SH   SOLE   0 0 1,270
VANGUARD INDEX FDS MID CAP ETF 922908629   3,919,824 18,824 SH   SOLE   0 0 18,824
VANGUARD INDEX FDS SMALL CP ETF 922908751   975,080 5,157 SH   SOLE   0 0 5,157
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   224,893 5,736 SH   SOLE   0 0 5,736
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   240,586 1,548 SH   SOLE   0 0 1,548
VERIZON COMMUNICATIONS INC COM 92343V104   2,481,055 76,552 SH   SOLE   0 0 76,552
VERTEX PHARMACEUTICALS INC COM 92532F100   3,129,590 9,000 SH   SOLE   0 0 9,000
VISA INC COM CL A 92826C839   2,435,576 10,589 SH   SOLE   0 0 10,589
WARNER BROS DISCOVERY INC COM SER A 934423104   3,846,178 354,160 SH   SOLE   0 0 354,160
ZOETIS INC CL A 98978V103   1,496,402 8,601 SH   SOLE   0 0 8,601