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   324,786 3,090 SH   SOLE   0 0 3,090
ABBOTT LABS COM 002824100   240,561 2,376 SH   SOLE   0 0 2,376
ADOBE SYSTEMS INCORPORATED COM 00724F101   242,398 629 SH   SOLE   0 0 629
AFLAC INC COM 001055102   261,547 4,054 SH   SOLE   0 0 4,054
AIR PRODS & CHEMS INC COM 009158106   284,432 990 SH   SOLE   0 0 990
ALPHABET INC CAP STK CL A 02079K305   340,027 3,278 SH   SOLE   0 0 3,278
ALPHABET INC CAP STK CL C 02079K107   201,296 1,936 SH   SOLE   0 0 1,936
ALTRIA GROUP INC COM 02209S103   506,178 11,344 SH   SOLE   0 0 11,344
AMAZON COM INC COM 023135106   521,827 5,052 SH   SOLE   0 0 5,052
AMEREN CORP COM 023608102   229,545 2,657 SH   SOLE   0 0 2,657
AMGEN INC COM 031162100   205,752 851 SH   SOLE   0 0 851
APPLE INC COM 037833100   1,963,341 11,906 SH   SOLE   0 0 11,906
ARCHER DANIELS MIDLAND CO COM 039483102   457,191 5,739 SH   SOLE   0 0 5,739
AT&T INC COM 00206R102   474,836 24,667 SH   SOLE   0 0 24,667
BLACKROCK INC COM 09247X101   369,941 553 SH   SOLE   0 0 553
BP PLC SPONSORED ADR 055622104   450,778 11,881 SH   SOLE   0 0 11,881
CARDINAL HEALTH INC COM 14149Y108   233,938 3,099 SH   SOLE   0 0 3,099
CHEVRON CORP NEW COM 166764100   812,042 4,977 SH   SOLE   0 0 4,977
CLOROX CO DEL COM 189054109   1,069,166 6,757 SH   SOLE   0 0 6,757
COCA COLA CO COM 191216100   1,109,150 17,881 SH   SOLE   0 0 17,881
COLGATE PALMOLIVE CO COM 194162103   715,060 9,515 SH   SOLE   0 0 9,515
CONSOLIDATED EDISON INC COM 209115104   603,364 6,307 SH   SOLE   0 0 6,307
CVS HEALTH CORP COM 126650100   282,430 3,801 SH   SOLE   0 0 3,801
DARDEN RESTAURANTS INC COM 237194105   240,652 1,551 SH   SOLE   0 0 1,551
DEERE & CO COM 244199105   1,002,730 2,429 SH   SOLE   0 0 2,429
DOMINION ENERGY INC COM 25746U109   239,181 4,278 SH   SOLE   0 0 4,278
DUKE ENERGY CORP NEW COM NEW 26441C204   625,319 6,482 SH   SOLE   0 0 6,482
ENBRIDGE INC COM 29250N105   262,014 6,868 SH   SOLE   0 0 6,868
ENTERPRISE PRODS PARTNERS L COM 293792107   522,411 20,170 SH   SOLE   0 0 20,170
EXXON MOBIL CORP COM 30231G102   1,057,942 9,647 SH   SOLE   0 0 9,647
GENERAL MLS INC COM 370334104   1,232,352 14,420 SH   SOLE   0 0 14,420
GSK PLC SPONSORED ADR 37733W204   232,942 6,547 SH   SOLE   0 0 6,547
HANESBRANDS INC COM 410345102   101,191 19,238 SH   SOLE   0 0 19,238
HOME DEPOT INC COM 437076102   339,681 1,151 SH   SOLE   0 0 1,151
INTEL CORP COM 458140100   517,489 15,840 SH   SOLE   0 0 15,840
INVESCO QQQ TR UNIT SER 1 46090E103   784,353 2,444 SH   SOLE   0 0 2,444
ISHARES TR PFD AND INCM SEC 464288687   501,131 16,052 SH   SOLE   0 0 16,052
ISHARES TR ISHS 1-5YR INVS 464288646   7,974,413 157,784 SH   SOLE   0 0 157,784
ISHARES TR CORE DIV GRWTH 46434V621   7,548,899 151,008 SH   SOLE   0 0 151,008
ISHARES TR 0-5YR HI YL CP 46434V407   6,715,005 161,109 SH   SOLE   0 0 161,109
JOHNSON & JOHNSON COM 478160104   1,531,993 9,884 SH   SOLE   0 0 9,884
JPMORGAN CHASE & CO COM 46625H100   740,997 5,686 SH   SOLE   0 0 5,686
KELLOGG CO COM 487836108   450,117 6,722 SH   SOLE   0 0 6,722
KIMBERLY-CLARK CORP COM 494368103   681,187 5,075 SH   SOLE   0 0 5,075
LILLY ELI & CO COM 532457108   1,217,621 3,546 SH   SOLE   0 0 3,546
LOCKHEED MARTIN CORP COM 539830109   2,198,490 4,651 SH   SOLE   0 0 4,651
LOWES COS INC COM 548661107   288,843 1,444 SH   SOLE   0 0 1,444
MCDONALDS CORP COM 580135101   1,881,911 6,730 SH   SOLE   0 0 6,730
MERCK & CO INC COM 58933Y105   330,877 3,110 SH   SOLE   0 0 3,110
MICROSOFT CORP COM 594918104   4,325,211 15,002 SH   SOLE   0 0 15,002
PAYCHEX INC COM 704326107   915,246 7,987 SH   SOLE   0 0 7,987
PEPSICO INC COM 713448108   1,320,718 7,245 SH   SOLE   0 0 7,245
PFIZER INC COM 717081103   521,127 12,773 SH   SOLE   0 0 12,773
PGIM ETF TR ACTV HY BD ETF 69344A206   270,920 7,920 SH   SOLE   0 0 7,920
PHILIP MORRIS INTL INC COM 718172109   430,064 4,422 SH   SOLE   0 0 4,422
PHILLIPS 66 COM 718546104   388,894 3,836 SH   SOLE   0 0 3,836
PIMCO ETF TR INTER MUN BD ACT 72201R866   664,030 12,706 SH   SOLE   0 0 12,706
PROCTER AND GAMBLE CO COM 742718109   2,036,324 13,695 SH   SOLE   0 0 13,695
REALTY INCOME CORP COM 756109104   539,069 8,513 SH   SOLE   0 0 8,513
SALESFORCE INC COM 79466L302   268,704 1,345 SH   SOLE   0 0 1,345
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   10,619,698 145,157 SH   SOLE   0 0 145,157
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,521,448 158,662 SH   SOLE   0 0 158,662
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   18,964,275 392,067 SH   SOLE   0 0 392,067
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   3,401,158 52,189 SH   SOLE   0 0 52,189
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,913,365 42,938 SH   SOLE   0 0 42,938
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,973,782 70,923 SH   SOLE   0 0 70,923
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   538,553 11,481 SH   SOLE   0 0 11,481
SOUTHERN CO COM 842587107   1,063,322 15,282 SH   SOLE   0 0 15,282
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   411,784 1,238 SH   SOLE   0 0 1,238
SPDR S&P 500 ETF TR TR UNIT 78462F103   699,029 1,707 SH   SOLE   0 0 1,707
SPDR SER TR ICE PFD SEC ETF 78464A292   1,554,154 45,764 SH   SOLE   0 0 45,764
STARBUCKS CORP COM 855244109   758,055 7,280 SH   SOLE   0 0 7,280
SYSCO CORP COM 871829107   768,272 9,948 SH   SOLE   0 0 9,948
TARGET CORP COM 87612E106   1,490,017 8,996 SH   SOLE   0 0 8,996
TORONTO DOMINION BK ONT COM NEW 891160509   255,593 4,267 SH   SOLE   0 0 4,267
UNILEVER PLC SPON ADR NEW 904767704   567,496 10,928 SH   SOLE   0 0 10,928
UNITED PARCEL SERVICE INC CL B 911312106   671,110 3,460 SH   SOLE   0 0 3,460
US BANCORP DEL COM NEW 902973304   518,800 14,391 SH   SOLE   0 0 14,391
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   979,640 12,807 SH   SOLE   0 0 12,807
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,704,705 63,723 SH   SOLE   0 0 63,723
VANGUARD BD INDEX FDS INTERMED TERM 921937819   853,771 11,126 SH   SOLE   0 0 11,126
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,356,637 70,269 SH   SOLE   0 0 70,269
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   2,975,377 37,090 SH   SOLE   0 0 37,090
VERIZON COMMUNICATIONS INC COM 92343V104   407,873 10,488 SH   SOLE   0 0 10,488
VISA INC COM CL A 92826C839   238,324 1,057 SH   SOLE   0 0 1,057
WALGREENS BOOTS ALLIANCE INC COM 931427108   261,267 7,555 SH   SOLE   0 0 7,555
WALMART INC COM 931142103   1,831,301 12,420 SH   SOLE   0 0 12,420
WASTE MGMT INC DEL COM 94106L109   1,490,033 9,132 SH   SOLE   0 0 9,132
WELLS FARGO CO NEW COM 949746101   207,789 5,559 SH   SOLE   0 0 5,559
WISDOMTREE TR US MIDCAP DIVID 97717W505   1,876,316 45,786 SH   SOLE   0 0 45,786
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,301,310 45,564 SH   SOLE   0 0 45,564
WISDOMTREE TR INTL LRGCAP DV 97717W794   3,724,238 79,748 SH   SOLE   0 0 79,748
WISDOMTREE TR US LARGECAP DIVD 97717W307   374,254 6,050 SH   SOLE   0 0 6,050