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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101   292,827 3,128 SH   SOLE   0 0 3,128
ABBOTT LABS COM 002824100   245,303 2,533 SH   SOLE   0 0 2,533
ADOBE INC COM 00724F101   306,450 601 SH   SOLE   0 0 601
AFLAC INC COM 001055102   312,692 4,074 SH   SOLE   0 0 4,074
AIR PRODS & CHEMS INC COM 009158106   309,976 1,094 SH   SOLE   0 0 1,094
ALPHABET INC CAP STK CL A 02079K305   454,869 3,476 SH   SOLE   0 0 3,476
ALTRIA GROUP INC COM 02209S103   471,655 11,217 SH   SOLE   0 0 11,217
AMAZON COM INC COM 023135106   652,387 5,132 SH   SOLE   0 0 5,132
AMGEN INC COM 031162100   231,423 861 SH   SOLE   0 0 861
APPLE INC COM 037833100   1,892,551 11,054 SH   SOLE   0 0 11,054
ARCHER DANIELS MIDLAND CO COM 039483102   436,531 5,788 SH   SOLE   0 0 5,788
AT&T INC COM 00206R102   325,620 21,679 SH   SOLE   0 0 21,679
BLACKROCK INC COM 09247X101   370,964 574 SH   SOLE   0 0 574
BP PLC SPONSORED ADR 055622104   377,697 9,755 SH   SOLE   0 0 9,755
CARDINAL HEALTH INC COM 14149Y108   217,028 2,500 SH   SOLE   0 0 2,500
CHEVRON CORP NEW COM 166764100   868,772 5,152 SH   SOLE   0 0 5,152
CISCO SYS INC COM 17275R102   220,396 4,100 SH   SOLE   0 0 4,100
CLOROX CO DEL COM 189054109   885,224 6,754 SH   SOLE   0 0 6,754
COCA COLA CO COM 191216100   913,878 16,325 SH   SOLE   0 0 16,325
COLGATE PALMOLIVE CO COM 194162103   672,050 9,451 SH   SOLE   0 0 9,451
CONSOLIDATED EDISON INC COM 209115104   545,317 6,376 SH   SOLE   0 0 6,376
CVS HEALTH CORP COM 126650100   282,239 4,042 SH   SOLE   0 0 4,042
DARDEN RESTAURANTS INC COM 237194105   214,424 1,497 SH   SOLE   0 0 1,497
DEERE & CO COM 244199105   862,014 2,284 SH   SOLE   0 0 2,284
DUKE ENERGY CORP NEW COM NEW 26441C204   580,803 6,581 SH   SOLE   0 0 6,581
ELI LILLY & CO COM 532457108   1,779,183 3,312 SH   SOLE   0 0 3,312
ENBRIDGE INC COM 29250N105   232,365 6,928 SH   SOLE   0 0 6,928
ENTERPRISE PRODS PARTNERS L COM 293792107   568,371 20,766 SH   SOLE   0 0 20,766
EXXON MOBIL CORP COM 30231G102   1,109,820 9,439 SH   SOLE   0 0 9,439
GENERAL MLS INC COM 370334104   851,151 13,301 SH   SOLE   0 0 13,301
GSK PLC SPONSORED ADR 37733W204   225,693 6,226 SH   SOLE   0 0 6,226
HOME DEPOT INC COM 437076102   278,874 923 SH   SOLE   0 0 923
INTEL CORP COM 458140100   469,397 13,204 SH   SOLE   0 0 13,204
INVESCO QQQ TR UNIT SER 1 46090E103   875,612 2,444 SH   SOLE   0 0 2,444
ISHARES TR 0-5YR HI YL CP 46434V407   7,092,620 172,864 SH   SOLE   0 0 172,864
ISHARES TR ISHS 1-5YR INVS 464288646   8,511,987 170,821 SH   SOLE   0 0 170,821
ISHARES TR PFD AND INCM SEC 464288687   508,044 16,851 SH   SOLE   0 0 16,851
ISHARES TR CORE DIV GRWTH 46434V621   8,207,755 165,713 SH   SOLE   0 0 165,713
JOHNSON & JOHNSON COM 478160104   1,521,520 9,769 SH   SOLE   0 0 9,769
JPMORGAN CHASE & CO COM 46625H100   845,089 5,827 SH   SOLE   0 0 5,827
KELLANOVA COM 487836108   400,340 6,727 SH   SOLE   0 0 6,727
KIMBERLY-CLARK CORP COM 494368103   614,883 5,088 SH   SOLE   0 0 5,088
LOCKHEED MARTIN CORP COM 539830109   1,885,183 4,610 SH   SOLE   0 0 4,610
LOWES COS INC COM 548661107   251,488 1,210 SH   SOLE   0 0 1,210
MCDONALDS CORP COM 580135101   1,744,715 6,623 SH   SOLE   0 0 6,623
MERCK & CO INC COM 58933Y105   298,190 2,896 SH   SOLE   0 0 2,896
MICROSOFT CORP COM 594918104   4,734,563 14,995 SH   SOLE   0 0 14,995
PAYCHEX INC COM 704326107   892,035 7,735 SH   SOLE   0 0 7,735
PEPSICO INC COM 713448108   1,220,125 7,201 SH   SOLE   0 0 7,201
PFIZER INC COM 717081103   456,402 13,759 SH   SOLE   0 0 13,759
PHILIP MORRIS INTL INC COM 718172109   401,526 4,337 SH   SOLE   0 0 4,337
PHILLIPS 66 COM 718546104   401,661 3,343 SH   SOLE   0 0 3,343
PIMCO ETF TR INTER MUN BD ACT 72201R866   636,499 12,712 SH   SOLE   0 0 12,712
PROCTER AND GAMBLE CO COM 742718109   1,991,032 13,650 SH   SOLE   0 0 13,650
REALTY INCOME CORP COM 756109104   475,343 9,518 SH   SOLE   0 0 9,518
SALESFORCE INC COM 79466L302   272,739 1,345 SH   SOLE   0 0 1,345
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   11,461,537 161,978 SH   SOLE   0 0 161,978
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   473,505 10,706 SH   SOLE   0 0 10,706
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   5,901,103 173,766 SH   SOLE   0 0 173,766
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,080,874 56,118 SH   SOLE   0 0 56,118
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,131,172 46,264 SH   SOLE   0 0 46,264
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,111,198 75,113 SH   SOLE   0 0 75,113
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   20,243,696 400,073 SH   SOLE   0 0 400,073
SOUTHERN CO COM 842587107   1,002,941 15,497 SH   SOLE   0 0 15,497
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   459,216 1,371 SH   SOLE   0 0 1,371
SPDR S&P 500 ETF TR TR UNIT 78462F103   730,015 1,708 SH   SOLE   0 0 1,708
SPDR SER TR ICE PFD SEC ETF 78464A292   1,539,793 47,437 SH   SOLE   0 0 47,437
STARBUCKS CORP COM 855244109   652,522 7,149 SH   SOLE   0 0 7,149
SYSCO CORP COM 871829107   642,370 9,726 SH   SOLE   0 0 9,726
TARGET CORP COM 87612E106   1,000,292 9,047 SH   SOLE   0 0 9,047
TORONTO DOMINION BK ONT COM NEW 891160509   289,127 4,798 SH   SOLE   0 0 4,798
UNILEVER PLC SPON ADR NEW 904767704   534,847 10,827 SH   SOLE   0 0 10,827
UNITED PARCEL SERVICE INC CL B 911312106   560,815 3,598 SH   SOLE   0 0 3,598
US BANCORP DEL COM NEW 902973304   511,296 15,466 SH   SOLE   0 0 15,466
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   965,117 12,839 SH   SOLE   0 0 12,839
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,234,959 75,021 SH   SOLE   0 0 75,021
VANGUARD BD INDEX FDS INTERMED TERM 921937819   752,486 10,406 SH   SOLE   0 0 10,406
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   5,698,194 75,824 SH   SOLE   0 0 75,824
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,073,288 53,610 SH   SOLE   0 0 53,610
VERIZON COMMUNICATIONS INC COM 92343V104   378,604 11,682 SH   SOLE   0 0 11,682
VISA INC COM CL A 92826C839   253,312 1,101 SH   SOLE   0 0 1,101
WALMART INC COM 931142103   1,958,588 12,247 SH   SOLE   0 0 12,247
WASTE MGMT INC DEL COM 94106L109   1,367,381 8,970 SH   SOLE   0 0 8,970
WELLS FARGO CO NEW COM 949746101   224,762 5,501 SH   SOLE   0 0 5,501
WISDOMTREE TR US MIDCAP DIVID 97717W505   1,901,149 46,415 SH   SOLE   0 0 46,415
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,298,360 46,041 SH   SOLE   0 0 46,041
WISDOMTREE TR INTL LRGCAP DV 97717W794   3,671,066 80,471 SH   SOLE   0 0 80,471
WISDOMTREE TR US LARGECAP DIVD 97717W307   376,690 6,126 SH   SOLE   0 0 6,126