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
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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
3M CO COM 88579Y101   370,372 3,088 SH   SOLE   0 0 3,088
ABBOTT LABS COM 002824100   259,908 2,367 SH   SOLE   0 0 2,367
ADOBE SYSTEMS INCORPORATED COM 00724F101   217,735 647 SH   SOLE   0 0 647
AFLAC INC COM 001055102   290,869 4,043 SH   SOLE   0 0 4,043
AIR PRODS & CHEMS INC COM 009158106   304,068 986 SH   SOLE   0 0 986
ALPHABET INC CAP STK CL A 02079K305   289,218 3,278 SH   SOLE   0 0 3,278
ALTRIA GROUP INC COM 02209S103   512,369 11,209 SH   SOLE   0 0 11,209
AMAZON COM INC COM 023135106   430,253 5,122 SH   SOLE   0 0 5,122
AMEREN CORP COM 023608102   235,363 2,647 SH   SOLE   0 0 2,647
AMGEN INC COM 031162100   222,175 846 SH   SOLE   0 0 846
APPLE INC COM 037833100   1,545,630 11,896 SH   SOLE   0 0 11,896
ARCHER DANIELS MIDLAND CO COM 039483102   541,016 5,827 SH   SOLE   0 0 5,827
AT&T INC COM 00206R102   449,947 24,440 SH   SOLE   0 0 24,440
BLACKROCK INC COM 09247X101   389,619 550 SH   SOLE   0 0 550
BP PLC SPONSORED ADR 055622104   426,053 12,197 SH   SOLE   0 0 12,197
CARDINAL HEALTH INC COM 14149Y108   237,129 3,085 SH   SOLE   0 0 3,085
CHEVRON CORP NEW COM 166764100   888,278 4,949 SH   SOLE   0 0 4,949
CLOROX CO DEL COM 189054109   943,371 6,723 SH   SOLE   0 0 6,723
COCA COLA CO COM 191216100   1,130,787 17,777 SH   SOLE   0 0 17,777
COLGATE PALMOLIVE CO COM 194162103   752,504 9,551 SH   SOLE   0 0 9,551
CONSOLIDATED EDISON INC COM 209115104   597,959 6,274 SH   SOLE   0 0 6,274
CVS HEALTH CORP COM 126650100   352,314 3,781 SH   SOLE   0 0 3,781
DARDEN RESTAURANTS INC COM 237194105   213,396 1,543 SH   SOLE   0 0 1,543
DEERE & CO COM 244199105   1,075,776 2,509 SH   SOLE   0 0 2,509
DOMINION ENERGY INC COM 25746U109   269,356 4,393 SH   SOLE   0 0 4,393
DUKE ENERGY CORP NEW COM NEW 26441C204   658,871 6,397 SH   SOLE   0 0 6,397
ENBRIDGE INC COM 29250N105   268,539 6,868 SH   SOLE   0 0 6,868
ENTERPRISE PRODS PARTNERS L COM 293792107   482,329 19,997 SH   SOLE   0 0 19,997
EXXON MOBIL CORP COM 30231G102   996,081 9,031 SH   SOLE   0 0 9,031
GENERAL MLS INC COM 370334104   1,212,139 14,456 SH   SOLE   0 0 14,456
GSK PLC SPONSORED ADR 37733W204   230,062 6,547 SH   SOLE   0 0 6,547
HANESBRANDS INC COM 410345102   129,709 20,394 SH   SOLE   0 0 20,394
HOME DEPOT INC COM 437076102   357,238 1,131 SH   SOLE   0 0 1,131
INTEL CORP COM 458140100   435,274 16,469 SH   SOLE   0 0 16,469
INVESCO QQQ TR UNIT SER 1 46090E103   650,788 2,444 SH   SOLE   0 0 2,444
ISHARES TR PFD AND INCM SEC 464288687   516,702 16,924 SH   SOLE   0 0 16,924
ISHARES TR ISHS 1-5YR INVS 464288646   7,388,654 148,307 SH   SOLE   0 0 148,307
ISHARES TR CORE DIV GRWTH 46434V621   7,026,932 140,539 SH   SOLE   0 0 140,539
ISHARES TR 0-5YR HI YL CP 46434V407   6,249,186 152,829 SH   SOLE   0 0 152,829
JOHNSON & JOHNSON COM 478160104   1,732,424 9,807 SH   SOLE   0 0 9,807
JPMORGAN CHASE & CO COM 46625H100   772,759 5,763 SH   SOLE   0 0 5,763
KELLOGG CO COM 487836108   479,190 6,726 SH   SOLE   0 0 6,726
KIMBERLY-CLARK CORP COM 494368103   685,250 5,048 SH   SOLE   0 0 5,048
LILLY ELI & CO COM 532457108   1,298,922 3,551 SH   SOLE   0 0 3,551
LOCKHEED MARTIN CORP COM 539830109   2,243,989 4,613 SH   SOLE   0 0 4,613
LOWES COS INC COM 548661107   287,161 1,441 SH   SOLE   0 0 1,441
MCDONALDS CORP COM 580135101   1,774,793 6,735 SH   SOLE   0 0 6,735
MERCK & CO INC COM 58933Y105   343,248 3,094 SH   SOLE   0 0 3,094
MICROSOFT CORP COM 594918104   3,599,322 15,008 SH   SOLE   0 0 15,008
PAYCHEX INC COM 704326107   918,767 7,951 SH   SOLE   0 0 7,951
PEPSICO INC COM 713448108   1,314,182 7,274 SH   SOLE   0 0 7,274
PFIZER INC COM 717081103   651,190 12,709 SH   SOLE   0 0 12,709
PGIM ETF TR ACTV HY BD ETF 69344A206   282,996 8,420 SH   SOLE   0 0 8,420
PHILIP MORRIS INTL INC COM 718172109   449,330 4,440 SH   SOLE   0 0 4,440
PHILLIPS 66 COM 718546104   399,251 3,836 SH   SOLE   0 0 3,836
PIMCO ETF TR INTER MUN BD ACT 72201R866   652,707 12,704 SH   SOLE   0 0 12,704
PROCTER AND GAMBLE CO COM 742718109   2,087,968 13,777 SH   SOLE   0 0 13,777
REALTY INCOME CORP COM 756109104   536,408 8,457 SH   SOLE   0 0 8,457
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   538,245 11,791 SH   SOLE   0 0 11,791
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   9,824,405 130,056 SH   SOLE   0 0 130,056
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,767,177 68,308 SH   SOLE   0 0 68,308
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   17,316,901 383,542 SH   SOLE   0 0 383,542
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   2,833,129 50,992 SH   SOLE   0 0 50,992
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,709,661 41,300 SH   SOLE   0 0 41,300
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,076,789 157,615 SH   SOLE   0 0 157,615
SOUTHERN CO COM 842587107   1,083,850 15,178 SH   SOLE   0 0 15,178
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   410,187 1,238 SH   SOLE   0 0 1,238
SPDR S&P 500 ETF TR TR UNIT 78462F103   652,942 1,707 SH   SOLE   0 0 1,707
SPDR SER TR BLOOMBERG INVT 78468R200   5,742,140 188,948 SH   SOLE   0 0 188,948
SPDR SER TR ICE PFD SEC ETF 78464A292   1,373,831 41,860 SH   SOLE   0 0 41,860
STARBUCKS CORP COM 855244109   719,232 7,250 SH   SOLE   0 0 7,250
SYSCO CORP COM 871829107   757,309 9,906 SH   SOLE   0 0 9,906
TARGET CORP COM 87612E106   1,355,306 9,094 SH   SOLE   0 0 9,094
TORONTO DOMINION BK ONT COM NEW 891160509   276,331 4,267 SH   SOLE   0 0 4,267
UNILEVER PLC SPON ADR NEW 904767704   553,590 10,995 SH   SOLE   0 0 10,995
UNITED PARCEL SERVICE INC CL B 911312106   589,566 3,391 SH   SOLE   0 0 3,391
US BANCORP DEL COM NEW 902973304   625,751 14,349 SH   SOLE   0 0 14,349
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   962,489 12,785 SH   SOLE   0 0 12,785
VANGUARD BD INDEX FDS INTERMED TERM 921937819   825,031 11,101 SH   SOLE   0 0 11,101
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,712,035 34,989 SH   SOLE   0 0 34,989
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,949,038 65,820 SH   SOLE   0 0 65,820
VERIZON COMMUNICATIONS INC COM 92343V104   413,657 10,499 SH   SOLE   0 0 10,499
VISA INC COM CL A 92826C839   219,378 1,056 SH   SOLE   0 0 1,056
WALGREENS BOOTS ALLIANCE INC COM 931427108   286,376 7,665 SH   SOLE   0 0 7,665
WALMART INC COM 931142103   1,777,342 12,535 SH   SOLE   0 0 12,535
WASTE MGMT INC DEL COM 94106L109   1,429,387 9,111 SH   SOLE   0 0 9,111
WELLS FARGO CO NEW COM 949746101   228,545 5,535 SH   SOLE   0 0 5,535
WISDOMTREE TR US MIDCAP DIVID 97717W505   1,746,223 42,446 SH   SOLE   0 0 42,446
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,216,351 42,769 SH   SOLE   0 0 42,769
WISDOMTREE TR INTL LRGCAP DV 97717W794   3,286,103 74,667 SH   SOLE   0 0 74,667
WISDOMTREE TR US LARGECAP DIVD 97717W307   372,619 6,015 SH   SOLE   0 0 6,015