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
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 14,529 289,658 SH   SOLE   0 289,658 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 9,695 71,730 SH   SOLE   0 71,730 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 6,926 72,996 SH   SOLE   0 72,996 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,217 63,481 SH   SOLE   0 63,481 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 3,773 14,131 SH   SOLE   0 14,131 0
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 3,366 15,047 SH   SOLE   0 15,047 0
PFIZER INC COM 717081103 2,357 53,855 SH   SOLE   0 53,855 0
MERCK & CO INC COM 58933Y105 2,067 24,006 SH   SOLE   0 24,006 0
VERIZON COMMUNICATIONS INC COM 92343V104 1,930 50,824 SH   SOLE   0 50,824 0
APPLE INC COM 037833100 1,757 12,711 SH   SOLE   0 12,711 0
JOHNSON & JOHNSON COM 478160104 1,650 10,102 SH   SOLE   0 10,102 0
JPMORGAN CHASE & CO COM 46625H100 1,625 15,554 SH   SOLE   0 15,554 0
CHEVRON CORP NEW COM 166764100 1,499 10,434 SH   SOLE   0 10,434 0
MICROSOFT CORP COM 594918104 1,451 6,231 SH   SOLE   0 6,231 0
ALPHABET INC CAP STK CL C 02079K107 1,265 13,155 SH   SOLE   0 13,155 0
BK OF AMERICA CORP COM 060505104 1,114 36,887 SH   SOLE   0 36,887 0
ALTRIA GROUP INC COM 02209S103 1,088 26,943 SH   SOLE   0 26,943 0
US BANCORP DEL COM NEW 902973304 1,067 26,469 SH   SOLE   0 26,469 0
AT&T INC COM 00206R102 1,056 68,813 SH   SOLE   0 68,813 0
EXXON MOBIL CORP COM 30231G102 1,042 11,930 SH   SOLE   0 11,930 0
METLIFE INC COM 59156R108 942 15,495 SH   SOLE   0 15,495 0
KINDER MORGAN INC DEL COM 49456B101 928 55,755 SH   SOLE   0 55,755 0
PRICE T ROWE GROUP INC COM 74144T108 840 7,995 SH   SOLE   0 7,995 0
MCDONALDS CORP COM 580135101 738 3,200 SH   SOLE   0 3,200 0
AMGEN INC COM 031162100 696 3,089 SH   SOLE   0 3,089 0
VISA INC COM CL A 92826C839 677 3,813 SH   SOLE   0 3,813 0
PHILIP MORRIS INTL INC COM 718172109 586 7,056 SH   SOLE   0 7,056 0
GOLDMAN SACHS GROUP INC COM 38141G104 561 1,915 SH   SOLE   0 1,915 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 511 2,845 SH   SOLE   0 2,845 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 498 8,922 SH   SOLE   0 8,922 0
DUKE ENERGY CORP NEW COM NEW 26441C204 489 5,255 SH   SOLE   0 5,255 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 485 1,357 SH   SOLE   0 1,357 0
PEPSICO INC COM 713448108 431 2,640 SH   SOLE   0 2,640 0
AMERICAN INTL GROUP INC COM NEW 026874784 427 9,001 SH   SOLE   0 9,001 0
HOME DEPOT INC COM 437076102 407 1,474 SH   SOLE   0 1,474 0
INTEL CORP COM 458140100 371 14,411 SH   SOLE   0 14,411 0
NEW YORK CMNTY BANCORP INC COM 649445103 343 40,200 SH   SOLE   0 40,200 0
CISCO SYS INC COM 17275R102 290 7,238 SH   SOLE   0 7,238 0
COSTCO WHSL CORP NEW COM 22160K105 285 604 SH   SOLE   0 604 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 282 6,168 SH   SOLE   0 6,168 0
AMAZON COM INC COM 023135106 262 2,320 SH   SOLE   0 2,320 0
NOVARTIS AG SPONSORED ADR 66987V109 262 3,445 SH   SOLE   0 3,445 0
TESLA INC COM 88160R101 201 756 SH   SOLE   0 756 0
BLACKROCK MUNI INCOME TR II COM 09249N101 100 10,000 SH   SOLE   0 10,000 0