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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 8,994 98,368 SH   SOLE   0 0 98,368
ABBVIE INC COM 00287Y109 1,968 20,048 SH   SOLE   0 0 20,048
ALPHABET INC CAP STK CL C 02079K107 584 413 SH   SOLE   0 0 413
AMAZON COM INC COM 023135106 626 227 SH   SOLE   0 0 227
AMERICAN EXPRESS CO COM 025816109 5,021 52,744 SH   SOLE   0 0 52,744
APPLE INC COM 037833100 1,459 3,999 SH   SOLE   0 0 3,999
AUTODESK INC COM 052769106 277 1,158 SH   SOLE   0 0 1,158
BK OF AMERICA CORP COM 060505104 5,309 223,554 SH   SOLE   0 0 223,554
BANK NEW YORK MELLON CORP COM 064058100 5,456 141,152 SH   SOLE   0 0 141,152
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 16,458 92,194 SH   SOLE   0 0 92,194
CARRIER GLOBAL CORPORATION COM 14448C104 866 38,957 SH   SOLE   0 0 38,957
CISCO SYS INC COM 17275R102 4,881 104,656 SH   SOLE   0 0 104,656
CITIGROUP INC COM NEW 172967424 1,185 23,194 SH   SOLE   0 0 23,194
COCA COLA CO COM 191216100 295 6,604 SH   SOLE   0 0 6,604
CONOCOPHILLIPS COM 20825C104 696 16,563 SH   SOLE   0 0 16,563
DISNEY WALT CO COM DISNEY 254687106 7,248 65,003 SH   SOLE   0 0 65,003
EXXON MOBIL CORP COM 30231G102 1,675 37,451 SH   SOLE   0 0 37,451
GENERAL DYNAMICS CORP COM 369550108 5,108 34,176 SH   SOLE   0 0 34,176
GENERAL ELECTRIC CO COM 369604103 2,261 331,002 SH   SOLE   0 0 331,002
INTEL CORP COM 458140100 466 7,797 SH   SOLE   0 0 7,797
INTERNATIONAL BUSINESS MACHS COM 459200101 1,750 14,489 SH   SOLE   0 0 14,489
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 215 15,262 SH   SOLE   0 0 15,262
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 HY 46138J601 19,480 801,813 SH   SOLE   0 0 801,813
ISHARES TR S&P 100 ETF 464287101 432 3,032 SH   SOLE   0 0 3,032
ISHARES TR CORE S&P TTL STK 464287150 474 6,824 SH   SOLE   0 0 6,824
ISHARES TR S&P 500 GRWT ETF 464287309 1,734 8,357 SH   SOLE   0 0 8,357
ISHARES TR S&P 500 VAL ETF 464287408 6,585 60,857 SH   SOLE   0 0 60,857
ISHARES TR RUS 1000 VAL ETF 464287598 569 5,053 SH   SOLE   0 0 5,053
ISHARES TR RUS 1000 GRW ETF 464287614 400 2,082 SH   SOLE   0 0 2,082
ISHARES TR S&P MC 400VL ETF 464287705 775 4,918 SH   SOLE   0 0 4,918
ISHARES TR U.S. TECH ETF 464287721 1,294 4,797 SH   SOLE   0 0 4,797
ISHARES TR U.S. FINLS ETF 464287788 637 5,782 SH   SOLE   0 0 5,782
ISHARES TR SH TR CRPORT ETF 464288646 13,902 254,099 SH   SOLE   0 0 254,099
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 13,691 273,766 SH   SOLE   0 0 273,766
ISHARES INC CORE MSCI EMKT 46434G103 7,477 157,088 SH   SOLE   0 0 157,088
ISHARES TR IBONDS DEC23 ETF 46434VAX8 6,547 249,590 SH   SOLE   0 0 249,590
ISHARES TR IBONDS DEC22 ETF 46434VBA7 7,753 301,923 SH   SOLE   0 0 301,923
ISHARES TR IBONDS DEC25 ETF 46434VBD1 1,866 69,174 SH   SOLE   0 0 69,174
ISHARES TR IBONDS DEC24 ETF 46434VBG4 1,831 69,478 SH   SOLE   0 0 69,478
ISHARES TR IBONDS DEC21 ETF 46434VBK5 14,184 563,977 SH   SOLE   0 0 563,977
ISHARES TR 0-5YR INVT GR CP 46434V100 5,323 102,136 SH   SOLE   0 0 102,136
JOHNSON & JOHNSON COM 478160104 4,049 28,790 SH   SOLE   0 0 28,790
MARSH & MCLENNAN COS INC COM 571748102 418 3,891 SH   SOLE   0 0 3,891
MCDONALDS CORP COM 580135101 233 1,263 SH   SOLE   0 0 1,263
MCKESSON CORP COM 58155Q103 1,050 6,845 SH   SOLE   0 0 6,845
MERCK & CO. INC COM 58933Y105 6,886 89,050 SH   SOLE   0 0 89,050
MICROSOFT CORP COM 594918104 36,767 180,663 SH   SOLE   0 0 180,663
NOVARTIS AG SPONSORED ADR 66987V109 4,271 48,906 SH   SOLE   0 0 48,906
OCCIDENTAL PETE CORP COM 674599105 247 13,499 SH   SOLE   0 0 13,499
ORACLE CORP COM 68389X105 7,663 138,640 SH   SOLE   0 0 138,640
OTIS WORLDWIDE CORP COM 68902V107 1,117 19,641 SH   SOLE   0 0 19,641
PEPSICO INC COM 713448108 6,709 50,728 SH   SOLE   0 0 50,728
PHILLIPS 66 COM 718546104 602 8,377 SH   SOLE   0 0 8,377
PROCTER AND GAMBLE CO COM 742718109 10,060 84,138 SH   SOLE   0 0 84,138
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,525 40,980 SH   SOLE   0 0 40,980
S&P GLOBAL INC COM 78409V104 275 836 SH   SOLE   0 0 836
SPDR S&P 500 ETF TR TR UNIT 78462F103 892 2,894 SH   SOLE   0 0 2,894
SPDR SER TR WELLS FG PFD ETF 78464A292 257 6,142 SH   SOLE   0 0 6,142
SPDR SER TR PORTFOLIO SHORT 78464A474 293 9,345 SH   SOLE   0 0 9,345
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 6,005 148,852 SH   SOLE   0 0 148,852
UNILEVER PLC SPON ADR NEW 904767704 5,793 105,559 SH   SOLE   0 0 105,559
UNION PAC CORP COM 907818108 5,628 33,286 SH   SOLE   0 0 33,286
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,891 16,136 SH   SOLE   0 0 16,136
VANGUARD WORLD FD MEGA GRWTH IND 921910816 368 2,253 SH   SOLE   0 0 2,253
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 1,156 15,793 SH   SOLE   0 0 15,793
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,423 13,002 SH   SOLE   0 0 13,002
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 331 4,199 SH   SOLE   0 0 4,199
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 3,073 20,548 SH   SOLE   0 0 20,548
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 2,465 43,090 SH   SOLE   0 0 43,090
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 979 24,710 SH   SOLE   0 0 24,710
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,682 20,344 SH   SOLE   0 0 20,344
VISA INC COM CL A 92826C839 11,252 58,251 SH   SOLE   0 0 58,251
WISDOMTREE TR US SHRT TRM HIGH 97717X149 721 15,375 SH   SOLE   0 0 15,375