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 1,949 18,187 SH   SOLE   0 0 18,187
ALPHABET INC CAP STK CL C 02079K107 736 420 SH   SOLE   0 0 420
ALPHABET INC CAP STK CL A 02079K305 210 120 SH   SOLE   0 0 120
AMAZON COM INC COM 023135106 1,098 337 SH   SOLE   0 0 337
AMERICAN EXPRESS CO COM 025816109 6,700 55,410 SH   SOLE   0 0 55,410
APPLE INC COM 037833100 2,156 16,249 SH   SOLE   0 0 16,249
AUTODESK INC COM 052769106 360 1,179 SH   SOLE   0 0 1,179
BK OF AMERICA CORP COM 060505104 11,799 389,286 SH   SOLE   0 0 389,286
BANK NEW YORK MELLON CORP COM 064058100 9,819 231,356 SH   SOLE   0 0 231,356
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 21,777 93,917 SH   SOLE   0 0 93,917
CARRIER GLOBAL CORPORATION COM 14448C104 1,351 35,829 SH   SOLE   0 0 35,829
CHEVRON CORP NEW COM 166764100 250 2,957 SH   SOLE   0 0 2,957
CISCO SYS INC COM 17275R102 4,272 95,462 SH   SOLE   0 0 95,462
CITIGROUP INC COM NEW 172967424 1,316 21,348 SH   SOLE   0 0 21,348
COCA COLA CO COM 191216100 409 7,452 SH   SOLE   0 0 7,452
CONOCOPHILLIPS COM 20825C104 610 15,261 SH   SOLE   0 0 15,261
DISNEY WALT CO COM 254687106 11,995 66,206 SH   SOLE   0 0 66,206
EXXON MOBIL CORP COM 30231G102 1,548 37,563 SH   SOLE   0 0 37,563
GENERAL DYNAMICS CORP COM 369550108 8,853 59,489 SH   SOLE   0 0 59,489
GENERAL ELECTRIC CO COM 369604103 4,208 389,675 SH   SOLE   0 0 389,675
INTEL CORP COM 458140100 362 7,270 SH   SOLE   0 0 7,270
INTERNATIONAL BUSINESS MACHS COM 459200101 1,634 12,979 SH   SOLE   0 0 12,979
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,848 14,491 SH   SOLE   0 0 14,491
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 233 15,262 SH   SOLE   0 0 15,262
ISHARES TR S&P 100 ETF 464287101 520 3,032 SH   SOLE   0 0 3,032
ISHARES TR CORE S&P TTL STK 464287150 1,048 12,158 SH   SOLE   0 0 12,158
ISHARES TR S&P 500 GRWT ETF 464287309 2,043 32,006 SH   SOLE   0 0 32,006
ISHARES TR S&P 500 VAL ETF 464287408 8,491 66,327 SH   SOLE   0 0 66,327
ISHARES TR RUS 1000 VAL ETF 464287598 678 4,962 SH   SOLE   0 0 4,962
ISHARES TR S&P MC 400GR ETF 464287606 383 5,300 SH   SOLE   0 0 5,300
ISHARES TR RUS 1000 GRW ETF 464287614 494 2,050 SH   SOLE   0 0 2,050
ISHARES TR S&P MC 400VL ETF 464287705 620 7,186 SH   SOLE   0 0 7,186
ISHARES TR U.S. TECH ETF 464287721 1,633 19,188 SH   SOLE   0 0 19,188
ISHARES TR U.S. REAL ES ETF 464287739 1,163 13,582 SH   SOLE   0 0 13,582
ISHARES TR U.S. FINLS ETF 464287788 705 10,558 SH   SOLE   0 0 10,558
ISHARES TR ISHS 1-5YR INVS 464288646 13,907 252,079 SH   SOLE   0 0 252,079
ISHARES TR U.S. PHARMA ETF 464288836 216 1,205 SH   SOLE   0 0 1,205
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 11,801 235,220 SH   SOLE   0 0 235,220
ISHARES INC CORE MSCI EMKT 46434G103 9,228 148,747 SH   SOLE   0 0 148,747
ISHARES TR IBONDS DEC23 ETF 46434VAX8 6,644 252,924 SH   SOLE   0 0 252,924
ISHARES TR IBONDS DEC22 ETF 46434VBA7 7,330 286,673 SH   SOLE   0 0 286,673
ISHARES TR IBONDS DEC25 ETF 46434VBD1 3,039 111,017 SH   SOLE   0 0 111,017
ISHARES TR IBONDS DEC24 ETF 46434VBG4 2,576 96,916 SH   SOLE   0 0 96,916
ISHARES TR IBONDS DEC21 ETF 46434VBK5 13,375 536,942 SH   SOLE   0 0 536,942
ISHARES TR 0-5YR INVT GR CP 46434V100 5,018 96,101 SH   SOLE   0 0 96,101
ISHARES TR 0-5YR HI YL CP 46434V407 7,005 154,152 SH   SOLE   0 0 154,152
ISHARES TR IBONDS DEC2026 46435GAA0 1,039 38,346 SH   SOLE   0 0 38,346
ISHARES TR HIGH YLD BD FCTR 46435G250 236 4,599 SH   SOLE   0 0 4,599
ISHARES TR IBONDS 27 ETF 46435UAA9 982 35,624 SH   SOLE   0 0 35,624
JPMORGAN CHASE & CO COM 46625H100 204 1,602 SH   SOLE   0 0 1,602
JOHNSON & JOHNSON COM 478160104 4,227 26,857 SH   SOLE   0 0 26,857
MARSH & MCLENNAN COS INC COM 571748102 455 3,891 SH   SOLE   0 0 3,891
MCDONALDS CORP COM 580135101 299 1,394 SH   SOLE   0 0 1,394
MCKESSON CORP COM 58155Q103 1,131 6,505 SH   SOLE   0 0 6,505
MERCK & CO. INC COM 58933Y105 7,686 93,966 SH   SOLE   0 0 93,966
MICROSOFT CORP COM 594918104 38,214 171,812 SH   SOLE   0 0 171,812
NOVARTIS AG SPONSORED ADR 66987V109 5,119 54,204 SH   SOLE   0 0 54,204
OCCIDENTAL PETE CORP COM 674599105 234 13,499 SH   SOLE   0 0 13,499
ORACLE CORP COM 68389X105 9,121 140,993 SH   SOLE   0 0 140,993
OTIS WORLDWIDE CORP COM 68902V107 1,238 18,334 SH   SOLE   0 0 18,334
PEPSICO INC COM 713448108 7,885 53,171 SH   SOLE   0 0 53,171
PHILLIPS 66 COM 718546104 573 8,191 SH   SOLE   0 0 8,191
PROCTER AND GAMBLE CO COM 742718109 11,330 81,432 SH   SOLE   0 0 81,432
RAYTHEON TECHNOLOGIES CORP COM 75513E101 3,061 42,810 SH   SOLE   0 0 42,810
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 207 5,900 SH   SOLE   0 0 5,900
S&P GLOBAL INC COM 78409V104 275 836 SH   SOLE   0 0 836
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,035 2,768 SH   SOLE   0 0 2,768
SPDR SER TR WELLS FG PFD ETF 78464A292 273 6,142 SH   SOLE   0 0 6,142
SPDR SER TR PORTFOLIO SHORT 78464A474 280 8,932 SH   SOLE   0 0 8,932
SSGA ACTIVE ETF TR ULT SHT TRM BD 78467V707 6,226 153,973 SH   SOLE   0 0 153,973
3M CO COM 88579Y101 206 1,180 SH   SOLE   0 0 1,180
UNILEVER PLC SPON ADR NEW 904767704 6,828 113,117 SH   SOLE   0 0 113,117
UNION PAC CORP COM 907818108 6,721 32,280 SH   SOLE   0 0 32,280
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,839 13,023 SH   SOLE   0 0 13,023
VANGUARD WORLD FD MEGA GRWTH IND 921910816 459 2,253 SH   SOLE   0 0 2,253
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840 1,246 14,356 SH   SOLE   0 0 14,356
VANGUARD WORLD FD MEGA CAP INDEX 921910873 1,519 11,386 SH   SOLE   0 0 11,386
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 384 4,199 SH   SOLE   0 0 4,199
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 3,357 19,301 SH   SOLE   0 0 19,301
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 2,750 37,747 SH   SOLE   0 0 37,747
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,133 22,617 SH   SOLE   0 0 22,617
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,645 19,763 SH   SOLE   0 0 19,763
VISA INC COM CL A 92826C839 12,668 57,916 SH   SOLE   0 0 57,916
WISDOMTREE TR US SHRT TRM HIGH 97717X149 591 11,975 SH   SOLE   0 0 11,975