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   320,885 2,935 SH   SOLE   0 0 2,935
ABBOTT LABS COM 002824100   283,456 2,575 SH   SOLE   0 0 2,575
ADOBE INC COM 00724F101   358,557 601 SH   SOLE   0 0 601
AFLAC INC COM 001055102   336,835 4,083 SH   SOLE   0 0 4,083
AIR PRODS & CHEMS INC COM 009158106   351,088 1,282 SH   SOLE   0 0 1,282
ALPHABET INC CAP STK CL A 02079K305   505,957 3,622 SH   SOLE   0 0 3,622
ALTRIA GROUP INC COM 02209S103   454,555 11,268 SH   SOLE   0 0 11,268
AMAZON COM INC COM 023135106   779,765 5,132 SH   SOLE   0 0 5,132
AMGEN INC COM 031162100   249,285 866 SH   SOLE   0 0 866
APPLE INC COM 037833100   2,113,351 10,977 SH   SOLE   0 0 10,977
ARCHER DANIELS MIDLAND CO COM 039483102   431,451 5,974 SH   SOLE   0 0 5,974
AT&T INC COM 00206R102   337,343 20,104 SH   SOLE   0 0 20,104
BANK AMERICA CORP COM 060505104   229,597 6,819 SH   SOLE   0 0 6,819
BLACKROCK INC COM 09247X101   499,289 615 SH   SOLE   0 0 615
BP PLC SPONSORED ADR 055622104   315,702 8,918 SH   SOLE   0 0 8,918
CARDINAL HEALTH INC COM 14149Y108   252,956 2,509 SH   SOLE   0 0 2,509
CHEVRON CORP NEW COM 166764100   759,486 5,092 SH   SOLE   0 0 5,092
CISCO SYS INC COM 17275R102   249,977 4,948 SH   SOLE   0 0 4,948
CLOROX CO DEL COM 189054109   952,970 6,683 SH   SOLE   0 0 6,683
COCA COLA CO COM 191216100   954,291 16,194 SH   SOLE   0 0 16,194
COLGATE PALMOLIVE CO COM 194162103   749,746 9,406 SH   SOLE   0 0 9,406
CONSOLIDATED EDISON INC COM 209115104   569,171 6,257 SH   SOLE   0 0 6,257
CORNING INC COM 219350105   210,322 6,907 SH   SOLE   0 0 6,907
CVS HEALTH CORP COM 126650100   326,356 4,133 SH   SOLE   0 0 4,133
DARDEN RESTAURANTS INC COM 237194105   247,402 1,506 SH   SOLE   0 0 1,506
DEERE & CO COM 244199105   915,245 2,289 SH   SOLE   0 0 2,289
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   255,947 4,293 SH   SOLE   0 0 4,293
DUKE ENERGY CORP NEW COM NEW 26441C204   639,663 6,592 SH   SOLE   0 0 6,592
ELI LILLY & CO COM 532457108   1,300,065 2,230 SH   SOLE   0 0 2,230
ENBRIDGE INC COM 29250N105   226,674 6,293 SH   SOLE   0 0 6,293
ENTERPRISE PRODS PARTNERS L COM 293792107   555,320 21,075 SH   SOLE   0 0 21,075
EXXON MOBIL CORP COM 30231G102   925,391 9,256 SH   SOLE   0 0 9,256
GENERAL MLS INC COM 370334104   850,846 13,062 SH   SOLE   0 0 13,062
GSK PLC SPONSORED ADR 37733W204   219,803 5,931 SH   SOLE   0 0 5,931
HOME DEPOT INC COM 437076102   348,377 1,005 SH   SOLE   0 0 1,005
INTEL CORP COM 458140100   616,929 12,277 SH   SOLE   0 0 12,277
INVESCO QQQ TR UNIT SER 1 46090E103   1,000,867 2,444 SH   SOLE   0 0 2,444
ISHARES TR CORE DIV GRWTH 46434V621   9,522,602 176,934 SH   SOLE   0 0 176,934
ISHARES TR ISHS 1-5YR INVS 464288646   8,851,049 172,619 SH   SOLE   0 0 172,619
ISHARES TR 0-5YR HI YL CP 46434V407   7,752,937 183,632 SH   SOLE   0 0 183,632
ISHARES TR PFD AND INCM SEC 464288687   547,336 17,548 SH   SOLE   0 0 17,548
JOHNSON & JOHNSON COM 478160104   1,498,155 9,558 SH   SOLE   0 0 9,558
JPMORGAN CHASE & CO COM 46625H100   987,351 5,805 SH   SOLE   0 0 5,805
KELLANOVA COM 487836108   333,439 5,964 SH   SOLE   0 0 5,964
KIMBERLY-CLARK CORP COM 494368103   610,703 5,026 SH   SOLE   0 0 5,026
LOCKHEED MARTIN CORP COM 539830109   2,038,831 4,498 SH   SOLE   0 0 4,498
LOWES COS INC COM 548661107   270,108 1,214 SH   SOLE   0 0 1,214
MCDONALDS CORP COM 580135101   1,918,973 6,472 SH   SOLE   0 0 6,472
MEDTRONIC PLC SHS G5960L103   231,158 2,806 SH   SOLE   0 0 2,806
MERCK & CO INC COM 58933Y105   317,528 2,913 SH   SOLE   0 0 2,913
MICROSOFT CORP COM 594918104   5,494,871 14,612 SH   SOLE   0 0 14,612
PAYCHEX INC COM 704326107   925,952 7,774 SH   SOLE   0 0 7,774
PEPSICO INC COM 713448108   1,199,190 7,061 SH   SOLE   0 0 7,061
PFIZER INC COM 717081103   372,690 12,945 SH   SOLE   0 0 12,945
PHILIP MORRIS INTL INC COM 718172109   411,459 4,374 SH   SOLE   0 0 4,374
PHILLIPS 66 COM 718546104   445,087 3,343 SH   SOLE   0 0 3,343
PROCTER AND GAMBLE CO COM 742718109   1,979,361 13,507 SH   SOLE   0 0 13,507
REALTY INCOME CORP COM 756109104   576,834 10,046 SH   SOLE   0 0 10,046
SALESFORCE INC COM 79466L302   348,661 1,325 SH   SOLE   0 0 1,325
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   22,736,462 403,129 SH   SOLE   0 0 403,129
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   485,093 10,405 SH   SOLE   0 0 10,405
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   6,681,949 180,789 SH   SOLE   0 0 180,789
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   3,546,747 47,089 SH   SOLE   0 0 47,089
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   3,598,701 76,179 SH   SOLE   0 0 76,179
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   13,152,056 172,758 SH   SOLE   0 0 172,758
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   4,939,742 59,544 SH   SOLE   0 0 59,544
SOUTHERN CO COM 842587107   1,076,174 15,348 SH   SOLE   0 0 15,348
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   516,689 1,371 SH   SOLE   0 0 1,371
SPDR S&P 500 ETF TR TR UNIT 78462F103   811,752 1,708 SH   SOLE   0 0 1,708
SPDR SER TR ICE PFD SEC ETF 78464A292   1,670,210 49,827 SH   SOLE   0 0 49,827
STARBUCKS CORP COM 855244109   699,142 7,282 SH   SOLE   0 0 7,282
SYSCO CORP COM 871829107   684,558 9,361 SH   SOLE   0 0 9,361
TARGET CORP COM 87612E106   1,263,048 8,868 SH   SOLE   0 0 8,868
TORONTO DOMINION BK ONT COM NEW 891160509   336,541 5,208 SH   SOLE   0 0 5,208
UNILEVER PLC SPON ADR NEW 904767704   499,399 10,301 SH   SOLE   0 0 10,301
UNITED PARCEL SERVICE INC CL B 911312106   574,899 3,656 SH   SOLE   0 0 3,656
US BANCORP DEL COM NEW 902973304   717,174 16,571 SH   SOLE   0 0 16,571
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,837,222 79,364 SH   SOLE   0 0 79,364
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   940,302 12,209 SH   SOLE   0 0 12,209
VANGUARD BD INDEX FDS INTERMED TERM 921937819   677,813 8,874 SH   SOLE   0 0 8,874
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,540,010 55,856 SH   SOLE   0 0 55,856
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   6,057,031 78,287 SH   SOLE   0 0 78,287
VERIZON COMMUNICATIONS INC COM 92343V104   434,916 11,536 SH   SOLE   0 0 11,536
VISA INC COM CL A 92826C839   294,889 1,133 SH   SOLE   0 0 1,133
WALMART INC COM 931142103   1,889,026 11,982 SH   SOLE   0 0 11,982
WASTE MGMT INC DEL COM 94106L109   1,545,963 8,632 SH   SOLE   0 0 8,632
WELLS FARGO CO NEW COM 949746101   272,125 5,529 SH   SOLE   0 0 5,529
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,554,723 48,328 SH   SOLE   0 0 48,328
WISDOMTREE TR INTL LRGCAP DV 97717W794   4,082,148 82,873 SH   SOLE   0 0 82,873
WISDOMTREE TR US MIDCAP DIVID 97717W505   2,198,455 48,117 SH   SOLE   0 0 48,117
WISDOMTREE TR US LARGECAP DIVD 97717W307   409,634 6,171 SH   SOLE   0 0 6,171