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
3M CO COM 88579Y101 719 4,830 SH   SOLE   0 0 4,830
ABBOTT LABS COM 002824100 886 7,484 SH   SOLE   0 0 7,484
ABBVIE INC COM 00287Y109 1,208 7,454 SH   SOLE   0 0 7,454
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 1,035 3,068 SH   SOLE   0 0 3,068
ALTRIA GROUP INC COM 02209S103 974 18,645 SH   SOLE   0 0 18,645
AMGEN INC COM 031162100 987 4,083 SH   SOLE   0 0 4,083
ANALOG DEVICES INC COM 032654105 920 5,570 SH   SOLE   0 0 5,570
APPLE INC COM 037833100 522 2,988 SH   SOLE   0 0 2,988
BLOCK H & R INC COM 093671105 1,031 39,600 SH   SOLE   0 0 39,600
BRISTOL-MYERS SQUIBB CO COM 110122108 1,151 15,758 SH   SOLE   0 0 15,758
CHOICE HOTELS INTL INC COM 169905106 1,019 7,190 SH   SOLE   0 0 7,190
COCA COLA CO COM 191216100 1,052 16,962 SH   SOLE   0 0 16,962
COLGATE PALMOLIVE CO COM 194162103 779 10,268 SH   SOLE   0 0 10,268
DIAGEO PLC SPON ADR NEW 25243Q205 1,053 5,182 SH   SOLE   0 0 5,182
GILEAD SCIENCES INC COM 375558103 754 12,682 SH   SOLE   0 0 12,682
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 967 22,196 SH   SOLE   0 0 22,196
HOME DEPOT INC COM 437076102 940 3,141 SH   SOLE   0 0 3,141
INTEL CORP COM 458140100 944 19,047 SH   SOLE   0 0 19,047
INTERNATIONAL BUSINESS MACHS COM 459200101 972 7,472 SH   SOLE   0 0 7,472
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817 2,486 104,595 SH   SOLE   0 0 104,594
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 1,303 61,777 SH   SOLE   0 0 61,777
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833 2,527 106,097 SH   SOLE   0 0 106,097
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,399 65,824 SH   SOLE   0 0 65,824
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 2,981 121,628 SH   SOLE   0 0 121,628
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 4,541 198,232 SH   SOLE   0 0 198,232
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635 2,411 98,611 SH   SOLE   0 0 98,611
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,323 62,782 SH   SOLE   0 0 62,782
ISHARES TR CORE S&P SCP ETF 464287804 2,601 24,110 SH   SOLE   0 0 24,109
ISHARES TR CORE S&P MCP ETF 464287507 7,324 27,294 SH   SOLE   0 0 27,293
JOHNSON & JOHNSON COM 478160104 980 5,530 SH   SOLE   0 0 5,530
KELLOGG CO COM 487836108 847 13,141 SH   SOLE   0 0 13,141
KIMBERLY-CLARK CORP COM 494368103 750 6,090 SH   SOLE   0 0 6,090
LILLY ELI & CO COM 532457108 1,318 4,601 SH   SOLE   0 0 4,601
LOCKHEED MARTIN CORP COM 539830109 1,080 2,446 SH   SOLE   0 0 2,446
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 962 9,357 SH   SOLE   0 0 9,357
MCDONALDS CORP COM 580135101 976 3,947 SH   SOLE   0 0 3,947
MERCK & CO INC COM 58933Y105 851 10,372 SH   SOLE   0 0 10,372
MICROSOFT CORP COM 594918104 947 3,073 SH   SOLE   0 0 3,073
NOVO-NORDISK A S ADR 670100205 1,041 9,370 SH   SOLE   0 0 9,370
OPTICAL CABLE CORP COM NEW 683827208 76 18,000 SH   SOLE   0 0 18,000
PAYCHEX INC COM 704326107 1,120 8,210 SH   SOLE   0 0 8,210
PEPSICO INC COM 713448108 1,028 6,143 SH   SOLE   0 0 6,143
PFIZER INC COM 717081103 1,214 23,452 SH   SOLE   0 0 23,452
PHILIP MORRIS INTL INC COM 718172109 933 9,927 SH   SOLE   0 0 9,927
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 364 3,734 SH   SOLE   0 0 3,734
QUALCOMM INC COM 747525103 871 5,697 SH   SOLE   0 0 5,697
S&P GLOBAL INC COM 78409V104 895 2,181 SH   SOLE   0 0 2,181
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 940 10,454 SH   SOLE   0 0 10,454
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 840 9,534 SH   SOLE   0 0 9,534
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 4,655 33,982 SH   SOLE   0 0 33,982
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 961 19,898 SH   SOLE   0 0 19,897
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 2,858 27,757 SH   SOLE   0 0 27,757
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 3,173 46,128 SH   SOLE   0 0 46,128
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 950 12,763 SH   SOLE   0 0 12,763
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 8,850 55,687 SH   SOLE   0 0 55,687
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 3,962 21,414 SH   SOLE   0 0 21,413
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,368 17,896 SH   SOLE   0 0 17,895
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 4,792 125,049 SH   SOLE   0 0 125,049
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 2,263 29,819 SH   SOLE   0 0 29,818
SPDR SER TR PRTFLO S&P500 VL 78464A508 532 12,747 SH   SOLE   0 0 12,747
SPDR SER TR PRTFLO S&P500 GW 78464A409 519 7,832 SH   SOLE   0 0 7,832
SPDR SER TR S&P 400 MDCP VAL 78464A839 225 3,198 SH   SOLE   0 0 3,198
SPDR SER TR S&P 400 MDCP GRW 78464A821 215 2,900 SH   SOLE   0 0 2,900
TEXAS INSTRS INC COM 882508104 979 5,337 SH   SOLE   0 0 5,337
UNILEVER PLC SPON ADR NEW 904767704 745 16,345 SH   SOLE   0 0 16,345
UNITED PARCEL SERVICE INC CL B 911312106 941 4,386 SH   SOLE   0 0 4,386
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 203 1,870 SH   SOLE   0 0 1,870
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 855 4,395 SH   SOLE   0 0 4,395
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,476 5,946 SH   SOLE   0 0 5,946
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 609 3,107 SH   SOLE   0 0 3,107
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,319 14,126 SH   SOLE   0 0 14,126
VANGUARD WORLD FDS UTILITIES ETF 92204A876 231 1,427 SH   SOLE   0 0 1,427
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 934 7,778 SH   SOLE   0 0 7,778
VANGUARD WORLD FDS ENERGY ETF 92204A306 311 2,904 SH   SOLE   0 0 2,904
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,436 5,647 SH   SOLE   0 0 5,647
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 1,200 3,930 SH   SOLE   0 0 3,930
VERIZON COMMUNICATIONS INC COM 92343V104 817 16,035 SH   SOLE   0 0 16,035
YUM BRANDS INC COM 988498101 882 7,440 SH   SOLE   0 0 7,440