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 6,950 61,700 SH   SOLE   61,700 0 0
AIR PRODS & CHEMS IN COM 009158106 9,436 32,800 SH   SOLE   32,800 0 0
ALLIANT ENERGY CORP COM 018802108 1,822 32,678 SH   SOLE   32,678 0 0
AMEREN CORP COM 023608102 5,936 74,165 SH   SOLE   74,165 0 0
AMERICAN ELEC PWR CO COM 025537101 5,718 67,600 SH   SOLE   67,600 0 0
AMGEN INC COM 031162100 5,753 23,600 SH   SOLE   23,600 0 0
APPLE INC COM 037833100 7,396 54,000 SH   SOLE   54,000 0 0
AT&T INC COM 00206R102 4,547 158,000 SH   SOLE   158,000 0 0
BANK NEW YORK MELLON COM 064058100 4,610 89,993 SH   SOLE   89,993 0 0
BLACKROCK INC COM 09247X101 7,135 8,155 SH   SOLE   8,155 0 0
CHEVRON CORP NEW COM 166764100 3,404 32,500 SH   SOLE   32,500 0 0
CISCO SYS INC COM 17275R102 7,553 142,500 SH   SOLE   142,500 0 0
CITIZENS FINANCIAL G COM 174610105 4,633 101,000 SH   SOLE   101,000 0 0
CLOROX CO DEL COM 189054109 900 5,000 SH   SOLE   5,000 0 0
CMS ENERGY CORP COM 125896100 4,963 84,000 SH   SOLE   84,000 0 0
COCA COLA CO COM 191216100 6,547 121,000 SH   SOLE   121,000 0 0
COMCAST CORP NEW CL A 20030N101 7,561 132,600 SH   SOLE   132,600 0 0
DOMINION ENERGY INC COM 25746U109 2,119 28,800 SH   SOLE   28,800 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 4,660 47,200 SH   SOLE   47,200 0 0
EASTMAN CHEM CO COM 277432100 3,654 31,300 SH   SOLE   31,300 0 0
ENTERGY CORP NEW COM 29364G103 3,918 39,300 SH   SOLE   39,300 0 0
EVERSOURCE ENERGY COM 30040W108 3,290 41,000 SH   SOLE   41,000 0 0
EXELON CORP COM 30161N101 3,616 81,600 SH   SOLE   81,600 0 0
FIFTH THIRD BANCORP COM 316773100 4,683 122,500 SH   SOLE   122,500 0 0
FIRSTENERGY CORP COM 337932107 2,247 60,400 SH   SOLE   60,400 0 0
HOME DEPOT INC COM 437076102 3,827 12,000 SH   SOLE   12,000 0 0
HUNTINGTON BANCSHARE COM 446150104 4,696 329,100 SH   SOLE   329,100 0 0
HUNTSMAN CORP COM 447011107 3,212 121,100 SH   SOLE   121,100 0 0
INTEL CORP COM 458140100 5,771 102,800 SH   SOLE   102,800 0 0
ISHARES TR CORE S&P500 ETF 464287200 2,721 6,330 SH   SOLE   0 0 6,330
ISHARES TR PFD AND INCM SEC 464288687 1,084 27,558 SH   SOLE   0 0 27,558
ISHARES TR MSCI USA MIN VOL 46429B697 4,052 55,052 SH   SOLE   0 0 55,052
ISHARES TR CORE S&P TTL STK 464287150 709 7,180 SH   SOLE   0 0 7,180
JOHNSON & JOHNSON COM 478160104 6,145 37,300 SH   SOLE   37,300 0 0
JPMORGAN CHASE & CO COM 46625H100 5,249 33,750 SH   SOLE   33,750 0 0
LOCKHEED MARTIN CORP COM 539830109 4,113 10,870 SH   SOLE   10,870 0 0
MCDONALDS CORP COM 580135101 4,758 20,600 SH   SOLE   20,600 0 0
MERCK & CO. INC COM 58933Y105 5,996 77,100 SH   SOLE   77,100 0 0
METLIFE INC COM 59156R108 2,706 45,210 SH   SOLE   45,210 0 0
MICROCHIP TECHNOLOGY COM 595017104 8,820 58,900 SH   SOLE   58,900 0 0
MICROSOFT CORP COM 594918104 1,355 5,000 SH   SOLE   5,000 0 0
NEXTERA ENERGY INC COM 65339F101 9,526 130,000 SH   SOLE   130,000 0 0
NISOURCE INC COM 65473P105 2,910 118,795 SH   SOLE   118,795 0 0
NORTHERN TR CORP COM 665859104 4,486 38,800 SH   SOLE   38,800 0 0
NUTRIEN LTD COM 67077M108 788 13,000 SH   SOLE   13,000 0 0
ONEOK INC NEW COM 682680103 2,543 45,700 SH   SOLE   45,700 0 0
PAYCHEX INC COM 704326107 9,088 84,700 SH   SOLE   84,700 0 0
PEPSICO INC COM 713448108 6,668 45,000 SH   SOLE   45,000 0 0
PFIZER INC COM 717081103 5,169 132,000 SH   SOLE   132,000 0 0
PHILLIPS 66 COM 718546104 2,874 33,489 SH   SOLE   33,489 0 0
PINNACLE WEST CAP CO COM 723484101 4,525 55,200 SH   SOLE   55,200 0 0
PRUDENTIAL FINL INC COM 744320102 4,924 48,050 SH   SOLE   48,050 0 0
PUBLIC SVC ENTERPRIS COM 744573106 5,878 98,400 SH   SOLE   98,400 0 0
REGIONS FINANCIAL CO COM 7591EP100 3,863 191,441 SH   SOLE   191,441 0 0
RESTAURANT BRANDS IN COM 76131D103 889 13,800 SH   SOLE   13,800 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 17,204 227,500 SH   SOLE   0 0 227,500
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 534 5,120 SH   SOLE   0 0 5,120
SOUTH JERSEY INDS IN COM 838518108 1,245 48,000 SH   SOLE   48,000 0 0
STATE STR CORP COM 857477103 4,961 60,300 SH   SOLE   60,300 0 0
TARGET CORP COM 87612E106 13,296 55,000 SH   SOLE   55,000 0 0
TRUIST FINL CORP COM 89832Q109 6,000 108,100 SH   SOLE   108,100 0 0
UNITED PARCEL SERVIC CL B 911312106 6,738 32,400 SH   SOLE   32,400 0 0
US BANCORP DEL COM NEW 902973304 4,125 72,400 SH   SOLE   72,400 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 199,174 893,877 SH   SOLE   0 0 893,877
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 669 1,700 SH   SOLE   0 0 1,700
VANGUARD INTL EQUITY ALLWRLD EX US 922042775 6,459 101,900 SH   SOLE   0 0 101,900
VANGUARD TAX-MANAGED FTSE DEV MKT ETF 921943858 20,979 407,200 SH   SOLE   0 0 407,200
VANGUARD WHITEHALL F HIGH DIV YLD 921946406 30,985 295,742 SH   SOLE   0 0 295,742
VERIZON COMMUNICATIO COM 92343V104 6,701 119,600 SH   SOLE   119,600 0 0
WALMART INC COM 931142103 5,923 42,000 SH   SOLE   42,000 0 0
WASTE MGMT INC DEL COM 94106L109 7,090 50,600 SH   SOLE   50,600 0 0
WEC ENERGY GROUP INC COM 92939U106 5,702 64,100 SH   SOLE   64,100 0 0
WELLS FARGO CO NEW COM 949746101 3,374 74,500 SH   SOLE   74,500 0 0
WHIRLPOOL CORP COM 963320106 2,180 10,000 SH   SOLE   10,000 0 0
WILLIAMS COS INC COM 969457100 2,921 110,000 SH   SOLE   110,000 0 0
XCEL ENERGY INC COM 98389B100 7,952 120,709 SH   SOLE   120,709 0 0
AUTOMATIC DATA PROCE COM 053015103 3,893 19,600 SH   SOLE   19,600 0 0
INTERPUBLIC GROUP CO COM 460690100 3,866 119,000 SH   SOLE   119,000 0 0
OGE ENERGY CORP COM 670837103 2,302 68,400 SH   SOLE   68,400 0 0
PROCTER AND GAMBLE C COM 742718109 5,519 40,900 SH   SOLE   40,900 0 0
ATMOS ENERGY CORP COM 049560105 3,657 38,050 SH   SOLE   38,050 0 0
INGREDION INC COM 457187102 1,765 19,500 SH   SOLE   19,500 0 0
INTERNATIONAL FLAVOR COM 459506101 3,959 26,500 SH   SOLE   26,500 0 0
INTERNATIONAL PAPER COM 460146103 4,237 69,100 SH   SOLE   69,100 0 0
SPDR SER TR PORTFOLIO S&P500 78464A854 707 14,050 SH   SOLE   0 0 14,050
SPIRE INC COM 84857L101 3,707 51,300 SH   SOLE   51,300 0 0
BK OF AMERICA CORP COM 060505104 3,696 89,650 SH   SOLE   89,650 0 0
KEYCORP COM 493267108 4,751 230,050 SH   SOLE   230,050 0 0
KIMBERLY-CLARK CORP COM 494368103 4,682 35,000 SH   SOLE   35,000 0 0
NEW JERSEY RES CORP COM 646025106 2,153 54,400 SH   SOLE   54,400 0 0
OMNICOM GROUP INC COM 681919106 352 4,400 SH   SOLE   4,400 0 0
RAYTHEON TECHNOLOGIE COM 75513E101 3,720 43,600 SH   SOLE   43,600 0 0
GILEAD SCIENCES INC COM 375558103 4,152 60,300 SH   SOLE   60,300 0 0
ORGANON & CO COMMON STOCK 68622V106 225 7,710 SH   SOLE   7,710 0 0