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 6,677 61,700 SH   SOLE   61,700 0 0
AIR PRODS & CHEMS IN COM 009158106 9,228 32,800 SH   SOLE   32,800 0 0
ALLIANT ENERGY CORP COM 018802108 1,770 32,678 SH   SOLE   32,678 0 0
AMEREN CORP COM 023608102 6,034 74,165 SH   SOLE   74,165 0 0
AMERICAN ELEC PWR CO COM 025537101 5,726 67,600 SH   SOLE   67,600 0 0
AMGEN INC COM 031162100 5,872 23,600 SH   SOLE   23,600 0 0
APPLE INC COM 037833100 6,596 54,000 SH   SOLE   54,000 0 0
AT&T INC COM 00206R102 4,783 158,000 SH   SOLE   158,000 0 0
BANK NEW YORK MELLON COM 064058100 4,256 89,993 SH   SOLE   89,993 0 0
BLACKROCK INC COM 09247X101 6,149 8,155 SH   SOLE   8,155 0 0
CHEVRON CORP NEW COM 166764100 3,406 32,500 SH   SOLE   32,500 0 0
CISCO SYS INC COM 17275R102 7,369 142,500 SH   SOLE   142,500 0 0
CLOROX CO DEL COM 189054109 964 5,000 SH   SOLE   5,000 0 0
CMS ENERGY CORP COM 125896100 4,151 67,800 SH   SOLE   67,800 0 0
COCA COLA CO COM 191216100 6,378 121,000 SH   SOLE   121,000 0 0
COMCAST CORP NEW CL A 20030N101 7,175 132,600 SH   SOLE   132,600 0 0
DOMINION ENERGY INC COM 25746U109 2,188 28,800 SH   SOLE   28,800 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 4,556 47,200 SH   SOLE   47,200 0 0
EASTMAN CHEM CO COM 277432100 3,447 31,300 SH   SOLE   31,300 0 0
ENTERGY CORP NEW COM 29364G103 3,909 39,300 SH   SOLE   39,300 0 0
EVERSOURCE ENERGY COM 30040W108 3,550 41,000 SH   SOLE   41,000 0 0
EXELON CORP COM 30161N101 3,569 81,600 SH   SOLE   81,600 0 0
FIFTH THIRD BANCORP COM 316773100 4,588 122,500 SH   SOLE   122,500 0 0
FIRSTENERGY CORP COM 337932107 2,095 60,400 SH   SOLE   60,400 0 0
GENUINE PARTS CO COM 372460105 809 7,000 SH   SOLE   7,000 0 0
HOME DEPOT INC COM 437076102 3,663 12,000 SH   SOLE   12,000 0 0
HUNTINGTON BANCSHARE COM 446150104 5,173 329,100 SH   SOLE   329,100 0 0
HUNTSMAN CORP COM 447011107 3,491 121,100 SH   SOLE   121,100 0 0
INTEL CORP COM 458140100 6,579 102,800 SH   SOLE   102,800 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,518 6,330 SH   SOLE   0 0 6,330
ISHARES TR PFD AND INCM SEC 464288687 1,058 27,558 SH   SOLE   0 0 27,558
ISHARES TR ISHS 5-10YR INVT 464288638 14,020 236,702 SH   SOLE   0 0 236,702
ISHARES TR MSCI USA MIN VOL 46429B697 3,675 53,114 SH   SOLE   0 0 53,114
ISHARES TR CORE S&P TTL STK 464287150 658 7,180 SH   SOLE   0 0 7,180
JOHNSON & JOHNSON COM 478160104 6,130 37,300 SH   SOLE   37,300 0 0
JPMORGAN CHASE & CO COM 46625H100 5,138 33,750 SH   SOLE   33,750 0 0
LOCKHEED MARTIN CORP COM 539830109 4,016 10,870 SH   SOLE   10,870 0 0
MCDONALDS CORP COM 580135101 4,617 20,600 SH   SOLE   20,600 0 0
MERCK & CO. INC COM 58933Y105 5,944 77,100 SH   SOLE   77,100 0 0
METLIFE INC COM 59156R108 2,748 45,210 SH   SOLE   45,210 0 0
MICROCHIP TECHNOLOGY COM 595017104 9,142 58,900 SH   SOLE   58,900 0 0
MICROSOFT CORP COM 594918104 1,179 5,000 SH   SOLE   5,000 0 0
NEXTERA ENERGY INC COM 65339F101 9,829 130,000 SH   SOLE   130,000 0 0
NISOURCE INC COM 65473P105 2,864 118,795 SH   SOLE   118,795 0 0
NORTHERN TR CORP COM 665859104 4,078 38,800 SH   SOLE   38,800 0 0
NUCOR CORP COM 670346105 1,204 15,000 SH   SOLE   15,000 0 0
NUTRIEN LTD COM 67077M108 3,503 65,000 SH   SOLE   65,000 0 0
ONEOK INC NEW COM 682680103 2,315 45,700 SH   SOLE   45,700 0 0
PAYCHEX INC COM 704326107 8,302 84,700 SH   SOLE   84,700 0 0
PEPSICO INC COM 713448108 6,365 45,000 SH   SOLE   45,000 0 0
PFIZER INC COM 717081103 4,782 132,000 SH   SOLE   132,000 0 0
PHILLIPS 66 COM 718546104 2,731 33,489 SH   SOLE   33,489 0 0
PINNACLE WEST CAP CO COM 723484101 4,491 55,200 SH   SOLE   55,200 0 0
PORTLAND GEN ELEC CO COM NEW 736508847 1,567 33,000 SH   SOLE   33,000 0 0
PRUDENTIAL FINL INC COM 744320102 4,377 48,050 SH   SOLE   48,050 0 0
PUBLIC SVC ENTERPRIS COM 744573106 5,925 98,400 SH   SOLE   98,400 0 0
REGIONS FINANCIAL CO COM 7591EP100 3,955 191,441 SH   SOLE   191,441 0 0
RESTAURANT BRANDS IN COM 76131D103 3,580 55,084 SH   SOLE   55,084 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 16,589 227,500 SH   SOLE   0 0 227,500
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 495 5,120 SH   SOLE   0 0 5,120
SOUTH JERSEY INDS IN COM 838518108 1,084 48,000 SH   SOLE   48,000 0 0
STATE STR CORP COM 857477103 4,545 54,100 SH   SOLE   54,100 0 0
TARGET CORP COM 87612E106 10,894 55,000 SH   SOLE   55,000 0 0
TRUIST FINL CORP COM 89832Q109 6,304 108,100 SH   SOLE   108,100 0 0
UNITED PARCEL SERVIC CL B 911312106 5,508 32,400 SH   SOLE   32,400 0 0
US BANCORP DEL COM NEW 902973304 4,004 72,400 SH   SOLE   72,400 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 184,631 893,277 SH   SOLE   0 0 893,277
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 619 1,700 SH   SOLE   0 0 1,700
VANGUARD INTL EQUITY ALLWRLD EX US 922042775 6,183 101,900 SH   SOLE   0 0 101,900
VANGUARD TAX-MANAGED FTSE DEV MKT ETF 921943858 19,998 407,200 SH   SOLE   0 0 407,200
VANGUARD WHITEHALL F HIGH DIV YLD 921946406 29,897 295,742 SH   SOLE   0 0 295,742
VERIZON COMMUNICATIO COM 92343V104 6,955 119,600 SH   SOLE   119,600 0 0
WALMART INC COM 931142103 5,705 42,000 SH   SOLE   42,000 0 0
WASTE MGMT INC DEL COM 94106L109 6,528 50,600 SH   SOLE   50,600 0 0
WEC ENERGY GROUP INC COM 92939U106 5,999 64,100 SH   SOLE   64,100 0 0
WELLS FARGO CO NEW COM 949746101 2,911 74,500 SH   SOLE   74,500 0 0
WHIRLPOOL CORP COM 963320106 2,644 12,000 SH   SOLE   12,000 0 0
WILLIAMS COS INC COM 969457100 2,606 110,000 SH   SOLE   110,000 0 0
XCEL ENERGY INC COM 98389B100 8,028 120,709 SH   SOLE   120,709 0 0
AUTOMATIC DATA PROCE COM 053015103 3,694 19,600 SH   SOLE   19,600 0 0
INTERPUBLIC GROUP CO COM 460690100 3,475 119,000 SH   SOLE   119,000 0 0
OGE ENERGY CORP COM 670837103 2,213 68,400 SH   SOLE   68,400 0 0
PROCTER AND GAMBLE C COM 742718109 5,539 40,900 SH   SOLE   40,900 0 0
ATMOS ENERGY CORP COM 049560105 3,351 33,900 SH   SOLE   33,900 0 0
CITIZENS FINL GROUP COM 174610105 4,459 101,000 SH   SOLE   101,000 0 0
INGREDION INC COM 457187102 2,428 27,000 SH   SOLE   27,000 0 0
INTERNATIONAL FLAVOR COM 459506101 3,700 26,500 SH   SOLE   26,500 0 0
INTERNATIONAL PAPER COM 460146103 3,736 69,100 SH   SOLE   69,100 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 9,772 269,578 SH   SOLE   0 0 269,578
SPDR SER TR PORTFOLIO S&P500 78464A854 655 14,050 SH   SOLE   0 0 14,050
SPIRE INC COM 84857L101 1,818 24,600 SH   SOLE   24,600 0 0
VANGUARD SCOTTSDALE INT-TERM CORP 92206C870 23,942 257,360 SH   SOLE   0 0 257,360
BK OF AMERICA CORP COM 060505104 3,469 89,650 SH   SOLE   89,650 0 0
KEYCORP COM 493267108 2,638 132,050 SH   SOLE   132,050 0 0
KIMBERLY-CLARK CORP COM 494368103 4,867 35,000 SH   SOLE   35,000 0 0
NEW JERSEY RES CORP COM 646025106 2,169 54,400 SH   SOLE   54,400 0 0
OMNICOM GROUP INC COM 681919106 326 4,400 SH   SOLE   4,400 0 0
RAYTHEON TECHNOLOGIE COM 75513E101 3,369 43,600 SH   SOLE   43,600 0 0
VIATRIS INC COM 92556V106 255 18,238 SH   SOLE   18,238 0 0