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
CHUBB LIMITED COM H1467J104   275,747 998 SH   SOLE   0 0 998
ABBOTT LABS COM 002824100   1,169,218 10,337 SH   SOLE   0 0 10,337
ABBVIE INC COM 00287Y109   3,499,268 19,692 SH   SOLE   0 0 19,692
AIR PRODS & CHEMS INC COM 009158106   2,312,489 7,973 SH   SOLE   0 0 7,973
AMAZON COM INC COM 023135106   1,061,848 4,840 SH   SOLE   0 0 4,840
AMGEN INC COM 031162100   2,426,298 9,309 SH   SOLE   0 0 9,309
APPLE INC COM 037833100   5,923,070 23,653 SH   SOLE   0 0 23,653
ARM HOLDINGS PLC SPONSORED ADS 042068205   231,793 1,879 SH   SOLE   0 0 1,879
BECTON DICKINSON & CO COM 075887109   738,457 3,255 SH   SOLE   0 0 3,255
BRISTOL-MYERS SQUIBB CO COM 110122108   399,653 7,066 SH   SOLE   0 0 7,066
CSX CORP COM 126408103   487,277 15,100 SH   SOLE   0 0 15,100
CHEVRON CORP NEW COM 166764100   3,557,850 24,564 SH   SOLE   0 0 24,564
CISCO SYS INC COM 17275R102   2,840,975 47,989 SH   SOLE   0 0 47,989
COCA COLA CO COM 191216100   559,549 8,987 SH   SOLE   0 0 8,987
CONSTELLATION BRANDS INC CL A 21036P108   1,270,087 5,747 SH   SOLE   0 0 5,747
COSTCO WHSL CORP NEW COM 22160K105   744,928 813 SH   SOLE   0 0 813
CUMMINS INC COM 231021106   1,067,762 3,063 SH   SOLE   0 0 3,063
DOW INC COM 260557103   2,027,889 50,533 SH   SOLE   0 0 50,533
DUKE ENERGY CORP NEW COM NEW 26441C204   697,940 6,478 SH   SOLE   0 0 6,478
DUPONT DE NEMOURS INC COM 26614N102   596,275 7,820 SH   SOLE   0 0 7,820
EXXON MOBIL CORP COM 30231G102   2,426,488 22,557 SH   SOLE   0 0 22,557
GENERAL MLS INC COM 370334104   832,747 13,059 SH   SOLE   0 0 13,059
GENUINE PARTS CO COM 372460105   377,164 3,230 SH   SOLE   0 0 3,230
HOME DEPOT INC COM 437076102   3,244,913 8,342 SH   SOLE   0 0 8,342
HONEYWELL INTL INC COM 438516106   1,568,354 6,943 SH   SOLE   0 0 6,943
INTUIT COM 461202103   360,131 573 SH   SOLE   0 0 573
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282   335,545 8,967 SH   SOLE   0 0 8,967
INVESCO EXCHANGE TRADED FD T S&P500 EQL HLT 46137V332   212,923 7,267 SH   SOLE   0 0 7,267
ISHARES TR MSCI INTL QUALTY 46434V456   380,703 10,256 SH   SOLE   0 0 10,256
JPMORGAN CHASE & CO. COM 46625H100   4,216,259 17,589 SH   SOLE   0 0 17,589
JOHNSON & JOHNSON COM 478160104   3,360,783 23,239 SH   SOLE   0 0 23,239
KIMBERLY-CLARK CORP COM 494368103   804,336 6,138 SH   SOLE   0 0 6,138
L3HARRIS TECHNOLOGIES INC COM 502431109   393,224 1,870 SH   SOLE   0 0 1,870
ELI LILLY & CO COM 532457108   426,916 553 SH   SOLE   0 0 553
LOCKHEED MARTIN CORP COM 539830109   629,292 1,295 SH   SOLE   0 0 1,295
MASTERCARD INCORPORATED CL A 57636Q104   880,952 1,673 SH   SOLE   0 0 1,673
MCDONALDS CORP COM 580135101   337,142 1,163 SH   SOLE   0 0 1,163
MERCK & CO INC COM 58933Y105   647,367 6,508 SH   SOLE   0 0 6,508
MICROSOFT CORP COM 594918104   4,944,302 11,730 SH   SOLE   0 0 11,730
NVIDIA CORPORATION COM 67066G104   923,647 6,878 SH   SOLE   0 0 6,878
PACCAR INC COM 693718108   793,721 7,630 SH   SOLE   0 0 7,630
PALO ALTO NETWORKS INC COM 697435105   347,544 1,910 SH   SOLE   0 0 1,910
PEPSICO INC COM 713448108   2,995,539 19,700 SH   SOLE   0 0 19,700
PHILLIPS 66 COM 718546104   1,682,974 14,772 SH   SOLE   0 0 14,772
PROCTER AND GAMBLE CO COM 742718109   3,749,064 22,362 SH   SOLE   0 0 22,362
QUALCOMM INC COM 747525103   1,438,498 9,364 SH   SOLE   0 0 9,364
QUIPT HOME MEDICAL CORP COM 74880P104   30,500 10,000 SH   SOLE   0 0 10,000
REALTY INCOME CORP COM 756109104   215,552 4,036 SH   SOLE   0 0 4,036
REGENERON PHARMACEUTICALS COM 75886F107   286,357 402 SH   SOLE   0 0 402
SHELL PLC SPON ADS 780259305   941,066 15,021 SH   SOLE   0 0 15,021
SPDR S&P 500 ETF TR TR UNIT 78462F103   328,205 560 SH   SOLE   0 0 560
SPDR INDEX SHS FDS S&P GLBDIV ETF 78463X459   508,997 8,198 SH   SOLE   0 0 8,198
SPDR SER TR S&P 600 SMCP GRW 78464A201   385,885 4,271 SH   SOLE   0 0 4,271
SPDR SER TR S&P 600 SMCP VAL 78464A300   419,585 4,809 SH   SOLE   0 0 4,809
SPDR SER TR PRTFLO S&P500 GW 78464A409   734,317 8,354 SH   SOLE   0 0 8,354
SPDR SER TR PRTFLO S&P500 VL 78464A508   522,242 10,212 SH   SOLE   0 0 10,212
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   2,348,431 4,123 SH   SOLE   0 0 4,123
SALESFORCE INC COM 79466L302   574,713 1,719 SH   SOLE   0 0 1,719
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   206,766 8,920 SH   SOLE   0 0 8,920
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,854,888 66,555 SH   SOLE   0 0 66,555
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,132,258 40,861 SH   SOLE   0 0 40,861
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,106,472 42,787 SH   SOLE   0 0 42,787
SCHWAB STRATEGIC TR FUNDAMENTAL INTL 808524755   253,193 7,624 SH   SOLE   0 0 7,624
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   6,289,180 230,204 SH   SOLE   0 0 230,204
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   616,439 33,321 SH   SOLE   0 0 33,321
SELECTIVE INS GROUP INC COM 816300107   387,991 4,149 SH   SOLE   0 0 4,149
STANLEY BLACK & DECKER INC COM 854502101   1,818,569 22,650 SH   SOLE   0 0 22,650
TEXAS INSTRS INC COM 882508104   948,801 5,060 SH   SOLE   0 0 5,060
TORONTO DOMINION BK ONT COM NEW 891160509   776,452 14,584 SH   SOLE   0 0 14,584
VALERO ENERGY CORP COM 91913Y100   1,006,464 8,210 SH   SOLE   0 0 8,210
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794   295,078 2,537 SH   SOLE   0 0 2,537
VANGUARD BD INDEX FDS INTERMED TERM 921937819   224,190 3,000 SH   SOLE   0 0 3,000
VANGUARD INDEX FDS LARGE CAP ETF 922908637   809,100 3,000 SH   SOLE   0 0 3,000
VERIZON COMMUNICATIONS INC COM 92343V104   1,226,533 30,671 SH   SOLE   0 0 30,671
WALMART INC COM 931142103   1,024,671 11,341 SH   SOLE   0 0 11,341