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
ABBOTT LABS COM 002824100   3,417,563 35,320 SH   SOLE   0 0 35,320
ABBVIE INC COM 00287Y109   228,144 1,699 SH   SOLE   0 0 1,699
AMERICAN TOWER CORP NEW COM 03027X100   3,658,059 17,038 SH   SOLE   0 0 17,038
APPLE INC COM 037833100   4,359,381 31,544 SH   SOLE   0 0 31,544
BK OF AMERICA CORP COM 060505104   3,003,873 99,466 SH   SOLE   0 0 99,466
CHEVRON CORP NEW COM 166764100   1,837,970 12,793 SH   SOLE   0 0 12,793
CISCO SYS INC COM 17275R102   3,229,240 80,731 SH   SOLE   0 0 80,731
CONSOLIDATED EDISON INC COM 209115104   665,369 7,758 SH   SOLE   0 0 7,758
CROWN CASTLE INC COM 22822V101   4,101,895 28,377 SH   SOLE   0 0 28,377
DIGITAL RLTY TR INC COM 253868103   3,503,137 35,321 SH   SOLE   0 0 35,321
DOMINION ENERGY INC COM 25746U109   3,412,990 49,384 SH   SOLE   0 0 49,384
DTE ENERGY CO COM 233331107   3,683,901 32,020 SH   SOLE   0 0 32,020
GOLDMAN SACHS GROUP INC COM 38141G104   3,630,596 12,389 SH   SOLE   0 0 12,389
HOME DEPOT INC COM 437076102   3,657,033 13,253 SH   SOLE   0 0 13,253
HONEYWELL INTL INC COM 438516106   3,493,346 20,922 SH   SOLE   0 0 20,922
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,813,489 89,821 SH   SOLE   0 0 89,821
ISHARES TR 0-5YR HI YL CP 46434V407   12,326,602 308,628 SH   SOLE   0 0 308,628
ISHARES TR FLTG RATE NT ETF 46429B655   3,921,261 78,004 SH   SOLE   0 0 78,004
ISHARES TR INTL SEL DIV ETF 464288448   734,748 32,612 SH   SOLE   0 0 32,612
ISHARES TR PFD AND INCM SEC 464288687   6,929,143 218,792 SH   SOLE   0 0 218,792
ISHARES TR U.S. MED DVC ETF 464288810   297,234 6,300 SH   SOLE   0 0 6,300
JPMORGAN CHASE & CO COM 46625H100   3,400,012 32,536 SH   SOLE   0 0 32,536
KIMBERLY-CLARK CORP COM 494368103   3,516,650 31,248 SH   SOLE   0 0 31,248
LOCKHEED MARTIN CORP COM 539830109   3,528,373 9,134 SH   SOLE   0 0 9,134
LOWES COS INC COM 548661107   3,708,496 19,746 SH   SOLE   0 0 19,746
MCDONALDS CORP COM 580135101   3,665,997 15,888 SH   SOLE   0 0 15,888
MEDTRONIC PLC SHS G5960L103   2,892,061 35,815 SH   SOLE   0 0 35,815
MICROSOFT CORP COM 594918104   3,889,197 16,699 SH   SOLE   0 0 16,699
NEXTERA ENERGY INC COM 65339F101   4,854,718 61,914 SH   SOLE   0 0 61,914
NIKE INC CL B 654106103   2,652,525 31,912 SH   SOLE   0 0 31,912
NORFOLK SOUTHN CORP COM 655844108   211,277 1,007 SH   SOLE   0 0 1,007
NUCOR CORP COM 670346105   3,544,472 33,129 SH   SOLE   0 0 33,129
PAYCHEX INC COM 704326107   3,938,795 35,102 SH   SOLE   0 0 35,102
PEPSICO INC COM 713448108   3,826,137 23,435 SH   SOLE   0 0 23,435
PROCTER AND GAMBLE CO COM 742718109   3,344,553 26,491 SH   SOLE   0 0 26,491
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   741,871 13,193 SH   SOLE   0 0 13,193
REPUBLIC SVCS INC COM 760759100   4,434,768 32,599 SH   SOLE   0 0 32,599
SEMPRA COM 816851109   727,567 4,852 SH   SOLE   0 0 4,852
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   205,807 7,977 SH   SOLE   0 0 7,977
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533   375,502 16,968 SH   SOLE   0 0 16,968
SPDR SER TR PORTFOLIO S&P500 78464A854   879,439 20,944 SH   SOLE   0 0 20,944
SPDR SER TR S&P BIOTECH 78464A870   247,875 3,125 SH   SOLE   0 0 3,125
STARBUCKS CORP COM 855244109   3,427,781 40,681 SH   SOLE   0 0 40,681
TELUS CORPORATION COM 87971M103   4,562,696 229,743 SH   SOLE   0 0 229,743
TEXAS INSTRS INC COM 882508104   3,675,096 23,744 SH   SOLE   0 0 23,744
TRUIST FINL CORP COM 89832Q109   3,194,965 73,380 SH   SOLE   0 0 73,380
UNION PAC CORP COM 907818108   3,250,767 16,686 SH   SOLE   0 0 16,686
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303   218,460 6,600 SH   SOLE   0 0 6,600
VANGUARD INDEX FDS GROWTH ETF 922908736   19,235,175 89,905 SH   SOLE   0 0 89,905
VANGUARD INDEX FDS MID CAP ETF 922908629   2,718,755 14,463 SH   SOLE   0 0 14,463
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   553,186 1,685 SH   SOLE   0 0 1,685
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,741,396 16,040 SH   SOLE   0 0 16,040
VANGUARD INDEX FDS VALUE ETF 922908744   9,005,643 72,932 SH   SOLE   0 0 72,932
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,809,418 31,031 SH   SOLE   0 0 31,031
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   18,550,379 245,116 SH   SOLE   0 0 245,116
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   342,431 4,610 SH   SOLE   0 0 4,610
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,120,082 30,483 SH   SOLE   0 0 30,483
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   3,824,561 22,263 SH   SOLE   0 0 22,263
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,304,171 5,830 SH   SOLE   0 0 5,830
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   3,193,651 20,272 SH   SOLE   0 0 20,272
VANGUARD WORLD FDS INF TECH ETF 92204A702   3,501,252 11,391 SH   SOLE   0 0 11,391
VERIZON COMMUNICATIONS INC COM 92343V104   3,978,497 104,780 SH   SOLE   0 0 104,780
VISA INC COM CL A 92826C839   3,231,276 18,189 SH   SOLE   0 0 18,189
WALMART INC COM 931142103   3,421,745 26,382 SH   SOLE   0 0 26,382
WISDOMTREE TR US MIDCAP DIVID 97717W505   1,750,261 46,463 SH   SOLE   0 0 46,463
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,651,118 64,146 SH   SOLE   0 0 64,146