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
THE COCA-COLA CO COM 191216100 5,822 103,935 SH   SOLE NONE 0 0 103,935
GLOBAL X U.S. PREFERRED ETF US PFD ETF 37954Y657 5,758 280,750 SH   SOLE NONE 0 0 280,750
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 4,839 100,266 SH   SOLE NONE 0 0 100,266
APPLE INC COM 037833100 4,805 34,772 SH   SOLE NONE 0 0 34,772
EXXON MOBIL CORP COM 30231G102 4,663 53,406 SH   SOLE NONE 0 0 53,406
MICROSOFT CORP COM 594918104 4,556 19,562 SH   SOLE NONE 0 0 19,562
SCHWAB US BROAD MARKET ETF US BRD MKT ETF 808524102 4,104 97,733 SH   SOLE NONE 0 0 97,733
NORTHROP GRUMMAN CORP COM 666807102 3,963 8,427 SH   SOLE NONE 0 0 8,427
JPMORGAN CHASE & CO COM 46625H100 3,519 33,679 SH   SOLE NONE 0 0 33,679
ABBVIE INC COM 00287Y109 3,279 24,428 SH   SOLE NONE 0 0 24,428
PGIM SHORT DURATION HIGH COM 69355J104 3,031 210,903 SH   SOLE NONE 0 0 210,903
STRYKER CORP COM 863667101 2,909 14,364 SH   SOLE NONE 0 0 14,364
CVS HEALTH CORP COM 126650100 2,860 29,988 SH   SOLE NONE 0 0 29,988
TRUIST FINL CORP COM 89832Q109 2,496 57,316 SH   SOLE NONE 0 0 57,316
PFIZER INC COM 717081103 2,370 54,156 SH   SOLE NONE 0 0 54,156
JOHNSON & JOHNSON COM 478160104 2,175 13,313 SH   SOLE NONE 0 0 13,313
CHEVRON CORP COM 166764100 2,037 14,178 SH   SOLE NONE 0 0 14,178
EMERSON ELECTRIC CO COM 291011104 1,959 26,753 SH   SOLE NONE 0 0 26,753
AMERICAN EXPRESS CO COM 025816109 1,799 13,332 SH   SOLE NONE 0 0 13,332
CISCO SYSTEMS INC COM 17275R102 1,778 44,457 SH   SOLE NONE 0 0 44,457
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 1,700 60,440 SH   SOLE NONE 0 0 60,440
QUALCOMM INC COM 747525103 1,658 14,677 SH   SOLE NONE 0 0 14,677
A T & T INC COM 00206R102 1,648 107,464 SH   SOLE NONE 0 0 107,464
PEPSICO INC COM 713448108 1,579 9,672 SH   SOLE NONE 0 0 9,672
ABBOTT LABORATORIES COM 002824100 1,571 16,240 SH   SOLE NONE 0 0 16,240
AMAZON.COM INC COM 023135106 1,553 13,740 SH   SOLE NONE 0 0 13,740
NUVEEN AMT FREE MUNICIPA COM 670695105 1,473 112,214 SH   SOLE NONE 0 0 112,214
VERIZON COMMUNICATN COM 92343V104 1,466 38,607 SH   SOLE NONE 0 0 38,607
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 1,414 21,283 SH   SOLE NONE 0 0 21,283
WALMART INC COM 931142103 1,099 8,470 SH   SOLE NONE 0 0 8,470
RAYTHEON TECHNOLOGIES CO COM 75513E101 1,095 13,380 SH   SOLE NONE 0 0 13,380
PARAMOUNT GLOBAL CLASS B CLASS B COM 92556H206 1,021 53,622 SH   SOLE NONE 0 0 53,622
VANGUARD SHORT-TERM BONDETF SHORT TRM BOND 921937827 998 13,343 SH   SOLE NONE 0 0 13,343
PGIM HIGH YIELD BOND FUN COM 69355J104 907 78,597 SH   SOLE NONE 0 0 78,597
DARDEN RESTAURANTS COM 237194105 837 6,628 SH   SOLE NONE 0 0 6,628
SCHWAB US TIPS ETF US TIPS ETF 808524870 836 16,130 SH   SOLE NONE 0 0 16,130
CARRIER GLOBAL CORP COM 14448C104 768 21,610 SH   SOLE NONE 0 0 21,610
NUVEEN OHIO QLTY MNCPL I COM 670980101 740 62,950 SH   SOLE NONE 0 0 62,950
KEYCORP INC COM 493267108 686 42,800 SH   SOLE NONE 0 0 42,800
NOVARTIS AG FSPONSORED ADR 1 ADR REPS 1 ORD SHS SPONSORED ADR 66987V109 634 8,337 SH   SOLE NONE 0 0 8,337
SCHWAB US LARGE CAP VALUE ETF US LCAP VA ETF 808524409 616 10,529 SH   SOLE NONE 0 0 10,529
SPDR S&P 500 ETF TR UNIT 78462F103 447 1,252 SH   SOLE NONE 0 0 1,252
OTIS WORLDWIDE CORP COM 68902V107 406 6,369 SH   SOLE NONE 0 0 6,369
CRACKER BARREL OLD COUNT COM 22410J106 370 4,000 SH   SOLE NONE 0 0 4,000
NEXTERA ENERGY INC COM 65339F101 346 4,412 SH   SOLE NONE 0 0 4,412
WALGREENS BOOTS ALLI COM 931427108 320 10,184 SH   SOLE NONE 0 0 10,184
CHARLES SCHWAB US MC ETF US MID-CAP ETF 808524508 304 5,016 SH   SOLE NONE 0 0 5,016
SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201 291 6,880 SH   SOLE NONE 0 0 6,880
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 284 5,065 SH   SOLE NONE 0 0 5,065
ENERGY SELECT SECTOR SPDR ETF ENERGY 81369Y506 272 3,776 SH   SOLE NONE 0 0 3,776
WARNER BROTHERS DISCOVER COM SER A 934423104 243 21,120 SH   SOLE NONE 0 0 21,120
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 239 4,281 SH   SOLE NONE 0 0 4,281
ISHARES RUSSELL 3000 ETF RUSSELL 3000 ETF 464287689 228 1,102 SH   SOLE NONE 0 0 1,102
WALT DISNEY CO COM 254687106 211 2,232 SH   SOLE NONE 0 0 2,232
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 209 5,517 SH   SOLE NONE 0 0 5,517