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
ABBVIE INC COM 00287Y109 1,631 18,626 SH   SOLE   0 0 18,626
ALPHABET INC CAP STK CL C 02079K107 617 420 SH   SOLE   0 0 420
AMAZON COM INC COM 023135106 715 227 SH   SOLE   0 0 227
AMERICAN EXPRESS CO COM 025816109 5,345 53,312 SH   SOLE   0 0 53,312
APPLE INC COM 037833100 1,853 15,997 SH   SOLE   0 0 15,997
AUTODESK INC COM 052769106 273 1,183 SH   SOLE   0 0 1,183
BK OF AMERICA CORP COM 060505104 9,114 378,321 SH   SOLE   0 0 378,321
BANK NEW YORK MELLON CORP COM 064058100 7,792 226,921 SH   SOLE   0 0 226,921
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 19,717 92,594 SH   SOLE   0 0 92,594
CARRIER GLOBAL CORPORATION COM 14448C104 1,116 36,550 SH   SOLE   0 0 36,550
CISCO SYS INC COM 17275R102 3,882 98,549 SH   SOLE   0 0 98,549
CITIGROUP INC COM NEW 172967424 918 21,298 SH   SOLE   0 0 21,298
COCA COLA CO COM 191216100 326 6,604 SH   SOLE   0 0 6,604
CONOCOPHILLIPS COM 20825C104 501 15,261 SH   SOLE   0 0 15,261
DISNEY WALT CO COM DISNEY 254687106 8,139 65,592 SH   SOLE   0 0 65,592
EXXON MOBIL CORP COM 30231G102 1,479 43,088 SH   SOLE   0 0 43,088
GENERAL DYNAMICS CORP COM 369550108 8,177 59,070 SH   SOLE   0 0 59,070
GENERAL ELECTRIC CO COM 369604103 2,309 370,587 SH   SOLE   0 0 370,587
INTEL CORP COM 458140100 371 7,170 SH   SOLE   0 0 7,170
INTERNATIONAL BUSINESS MACHS COM 459200101 1,636 13,448 SH   SOLE   0 0 13,448
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 225 15,262 SH   SOLE   0 0 15,262
INVESCO EXCH TRD SLF IDX FD BULSHS 2020 HY 46138J601 9,045 387,205 SH   SOLE   0 0 387,205
ISHARES TR S&P 100 ETF 464287101 472 3,032 SH   SOLE   0 0 3,032
ISHARES TR CORE S&P TTL STK 464287150 919 12,168 SH   SOLE   0 0 12,168
ISHARES TR S&P 500 GRWT ETF 464287309 1,875 8,112 SH   SOLE   0 0 8,112
ISHARES TR S&P 500 VAL ETF 464287408 6,988 62,142 SH   SOLE   0 0 62,142
ISHARES TR RUS 1000 VAL ETF 464287598 586 4,962 SH   SOLE   0 0 4,962
ISHARES TR RUS 1000 GRW ETF 464287614 445 2,050 SH   SOLE   0 0 2,050
ISHARES TR S&P MC 400VL ETF 464287705 801 4,918 SH   SOLE   0 0 4,918
ISHARES TR U.S. TECH ETF 464287721 1,444 4,797 SH   SOLE   0 0 4,797
ISHARES TR U.S. FINLS ETF 464287788 599 5,279 SH   SOLE   0 0 5,279
ISHARES TR ISHS 1-5YR INVS 464288646 14,367 261,647 SH   SOLE   0 0 261,647
ISHARES U S ETF TR SHT MAT BD ETF 46431W507 13,018 259,795 SH   SOLE   0 0 259,795
ISHARES INC CORE MSCI EMKT 46434G103 7,977 151,088 SH   SOLE   0 0 151,088
ISHARES TR IBONDS DEC20 ETF 46434VAQ3 9,122 361,567 SH   SOLE   0 0 361,567
ISHARES TR IBONDS DEC23 ETF 46434VAX8 6,741 257,009 SH   SOLE   0 0 257,009
ISHARES TR IBONDS DEC22 ETF 46434VBA7 7,416 289,330 SH   SOLE   0 0 289,330
ISHARES TR IBONDS DEC25 ETF 46434VBD1 2,262 83,361 SH   SOLE   0 0 83,361
ISHARES TR IBONDS DEC24 ETF 46434VBG4 2,223 84,058 SH   SOLE   0 0 84,058
ISHARES TR IBONDS DEC21 ETF 46434VBK5 13,713 547,405 SH   SOLE   0 0 547,405
ISHARES TR 0-5YR INVT GR CP 46434V100 5,106 97,967 SH   SOLE   0 0 97,967
JOHNSON & JOHNSON COM 478160104 4,053 27,225 SH   SOLE   0 0 27,225
MARSH & MCLENNAN COS INC COM 571748102 446 3,891 SH   SOLE   0 0 3,891
MCDONALDS CORP COM 580135101 277 1,263 SH   SOLE   0 0 1,263
MCKESSON CORP COM 58155Q103 979 6,573 SH   SOLE   0 0 6,573
MERCK & CO. INC COM 58933Y105 7,354 88,659 SH   SOLE   0 0 88,659
MICROSOFT CORP COM 594918104 36,536 173,706 SH   SOLE   0 0 173,706
NOVARTIS AG SPONSORED ADR 66987V109 4,379 50,359 SH   SOLE   0 0 50,359
ORACLE CORP COM 68389X105 8,376 140,298 SH   SOLE   0 0 140,298
OTIS WORLDWIDE CORP COM 68902V107 1,155 18,504 SH   SOLE   0 0 18,504
PEPSICO INC COM 713448108 7,146 51,559 SH   SOLE   0 0 51,559
PHILLIPS 66 COM 718546104 425 8,191 SH   SOLE   0 0 8,191
PROCTER AND GAMBLE CO COM 742718109 11,479 82,586 SH   SOLE   0 0 82,586
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,457 42,709 SH   SOLE   0 0 42,709
S&P GLOBAL INC COM 78409V104 301 836 SH   SOLE   0 0 836
SPDR S&P 500 ETF TR TR UNIT 78462F103 969 2,894 SH   SOLE   0 0 2,894
SPDR SER TR WELLS FG PFD ETF 78464A292 267 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 6,419 158,768 SH   SOLE   0 0 158,768
UNILEVER PLC SPON ADR NEW 904767704 6,707 108,736 SH   SOLE   0 0 108,736
UNION PAC CORP COM 907818108 6,515 33,092 SH   SOLE   0 0 33,092
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,813 14,088 SH   SOLE   0 0 14,088
VANGUARD WORLD FD MEGA GRWTH IND 921910816 418 2,253 SH   SOLE   0 0 2,253
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 1,101 14,356 SH   SOLE   0 0 14,356
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,377 11,487 SH   SOLE   0 0 11,487
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 340 4,199 SH   SOLE   0 0 4,199
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 3,176 19,439 SH   SOLE   0 0 19,439
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 2,293 39,194 SH   SOLE   0 0 39,194
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,056 24,431 SH   SOLE   0 0 24,431
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,675 20,219 SH   SOLE   0 0 20,219
VISA INC COM CL A 92826C839 11,536 57,688 SH   SOLE   0 0 57,688
WISDOMTREE TR US SHRT TRM HIGH 97717X149 782 16,331 SH   SOLE   0 0 16,331