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
3M CO COM 88579Y101 363 2,438 SH   SOLE   0 0 2,438
ABBOTT LABS COM 002824100 3,161 26,703 SH   SOLE   0 0 26,703
ABBVIE INC COM 00287Y109 5,996 36,985 SH   SOLE   0 0 36,985
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,223 2,684 SH   SOLE   0 0 2,684
ALPHABET INC CAP STK CL A 02079K305 2,982 1,072 SH   SOLE   0 0 1,072
ALPHABET INC CAP STK CL C 02079K107 402 144 SH   SOLE   0 0 144
ALTRIA GROUP INC COM 02209S103 530 10,150 SH   SOLE   0 0 10,150
AMAZON COM INC COM 023135106 3,152 967 SH   SOLE   0 0 967
AMERICAN EXPRESS CO COM 025816109 615 3,289 SH   SOLE   0 0 3,289
APPLE INC COM 037833100 6,775 38,798 SH   SOLE   0 0 38,798
AT&T INC COM 00206R102 582 24,647 SH   SOLE   0 0 24,647
AUTOMATIC DATA PROCESSING IN COM 053015103 3,900 17,142 SH   SOLE   0 0 17,142
BAXTER INTL INC COM 071813109 419 5,407 SH   SOLE   0 0 5,407
BECTON DICKINSON & CO COM 075887109 316 1,189 SH   SOLE   0 0 1,189
BERKSHIRE HATHAWAY INC DEL CL A 084670108 529 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,133 6,043 SH   SOLE   0 0 6,043
BK OF AMERICA CORP COM 060505104 678 16,448 SH   SOLE   0 0 16,448
BLACKROCK INC COM 09247X101 408 534 SH   SOLE   0 0 534
BRISTOL-MYERS SQUIBB CO COM 110122108 458 6,265 SH   SOLE   0 0 6,265
CATERPILLAR INC COM 149123101 210 943 SH   SOLE   0 0 943
CITIZENS FINL GROUP INC COM 174610105 773 17,058 SH   SOLE   0 0 17,058
CLOROX CO DEL COM 189054109 518 3,727 SH   SOLE   0 0 3,727
COCA COLA CO COM 191216100 1,369 22,075 SH   SOLE   0 0 22,075
COLGATE PALMOLIVE CO COM 194162103 378 4,989 SH   SOLE   0 0 4,989
COSTCO WHSL CORP NEW COM 22160K105 4,085 7,094 SH   SOLE   0 0 7,094
CSX CORP COM 126408103 684 18,267 SH   SOLE   0 0 18,267
CVS HEALTH CORP COM 126650100 600 5,933 SH   SOLE   0 0 5,933
DARDEN RESTAURANTS INC COM 237194105 785 5,907 SH   SOLE   0 0 5,907
DISNEY WALT CO COM 254687106 2,291 16,702 SH   SOLE   0 0 16,702
DOMINION ENERGY INC COM 25746U109 1,481 17,434 SH   SOLE   0 0 17,434
DUKE ENERGY CORP NEW COM NEW 26441C204 1,991 17,834 SH   SOLE   0 0 17,834
EMERSON ELEC CO COM 291011104 2,269 23,141 SH   SOLE   0 0 23,141
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 752 9,507 SH   SOLE   0 0 9,507
GOLDMAN SACHS ETF TR ACES ULTRA SHR 381430230 763 15,210 SH   SOLE   0 0 15,210
HEALTHCARE TR AMER INC CL A NEW 42225P501 337 10,750 SH   SOLE   0 0 10,750
HERSHEY CO COM 427866108 406 1,875 SH   SOLE   0 0 1,875
HOME DEPOT INC COM 437076102 3,559 11,891 SH   SOLE   0 0 11,891
HONEYWELL INTL INC COM 438516106 3,474 17,855 SH   SOLE   0 0 17,855
INTEL CORP COM 458140100 504 10,163 SH   SOLE   0 0 10,163
INTUITIVE SURGICAL INC COM NEW 46120E602 286 948 SH   SOLE   0 0 948
ISHARES TR CORE S&P MCP ETF 464287507 211 788 SH   SOLE   0 0 788
ISHARES TR ISHARES BIOTECH 464287556 218 1,675 SH   SOLE   0 0 1,675
ISHARES TR PFD AND INCM SEC 464288687 996 27,335 SH   SOLE   0 0 27,335
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 2,560 51,907 SH   SOLE   0 0 51,907
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 2,754 54,848 SH   SOLE   0 0 54,848
JOHNSON & JOHNSON COM 478160104 5,221 29,457 SH   SOLE   0 0 29,457
JPMORGAN CHASE & CO COM 46625H100 3,724 27,319 SH   SOLE   0 0 27,319
KIMBERLY-CLARK CORP COM 494368103 2,615 21,233 SH   SOLE   0 0 21,233
LOCKHEED MARTIN CORP COM 539830109 2,710 6,140 SH   SOLE   0 0 6,140
LOWES COS INC COM 548661107 261 1,293 SH   SOLE   0 0 1,293
MCDONALDS CORP COM 580135101 4,470 18,077 SH   SOLE   0 0 18,077
MEDTRONIC PLC SHS G5960L103 808 7,285 SH   SOLE   0 0 7,285
MERCK & CO INC COM 58933Y105 479 5,843 SH   SOLE   0 0 5,843
META PLATFORMS INC CL A 30303M102 311 1,400 SH   SOLE   0 0 1,400
MICROSOFT CORP COM 594918104 13,814 44,805 SH   SOLE   0 0 44,805
MONDELEZ INTL INC CL A 609207105 866 13,793 SH   SOLE   0 0 13,793
MONGODB INC CL A 60937P106 329 742 SH   SOLE   0 0 742
MORGAN STANLEY COM NEW 617446448 218 2,490 SH   SOLE   0 0 2,490
NEXTERA ENERGY INC COM 65339F101 2,717 32,074 SH   SOLE   0 0 32,074
NORFOLK SOUTHN CORP COM 655844108 519 1,820 SH   SOLE   0 0 1,820
NOVARTIS AG SPONSORED ADR 66987V109 631 7,186 SH   SOLE   0 0 7,186
PAYCHEX INC COM 704326107 2,628 19,259 SH   SOLE   0 0 19,259
PEOPLES UNITED FINANCIAL INC COM 712704105 532 26,600 SH   SOLE   0 0 26,600
PEPSICO INC COM 713448108 4,667 27,883 SH   SOLE   0 0 27,883
PFIZER INC COM 717081103 3,320 64,137 SH   SOLE   0 0 64,137
PRICE T ROWE GROUP INC COM 74144T108 1,726 11,416 SH   SOLE   0 0 11,416
PROCTER AND GAMBLE CO COM 742718109 2,338 15,301 SH   SOLE   0 0 15,301
RAYTHEON TECHNOLOGIES CORP COM 75513E101 392 3,958 SH   SOLE   0 0 3,958
SCHWAB CHARLES CORP COM 808513105 892 10,581 SH   SOLE   0 0 10,581
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 318 2,000 SH   SOLE   0 0 2,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 254 732 SH   SOLE   0 0 732
SPDR S&P 500 ETF TR TR UNIT 78462F103 539 1,193 SH   SOLE   0 0 1,193
SPDR SER TR S&P DIVID ETF 78464A763 282 2,200 SH   SOLE   0 0 2,200
STARBUCKS CORP COM 855244109 1,143 12,566 SH   SOLE   0 0 12,566
STRYKER CORPORATION COM 863667101 396 1,480 SH   SOLE   0 0 1,480
TARGET CORP COM 87612E106 1,849 8,713 SH   SOLE   0 0 8,713
TESLA INC COM 88160R101 891 827 SH   SOLE   0 0 827
TEXAS INSTRS INC COM 882508104 288 1,572 SH   SOLE   0 0 1,572
THE TRADE DESK INC COM CL A 88339J105 212 3,055 SH   SOLE   0 0 3,055
THERMO FISHER SCIENTIFIC INC COM 883556102 2,796 4,733 SH   SOLE   0 0 4,733
TJX COS INC NEW COM 872540109 1,179 19,469 SH   SOLE   0 0 19,469
TORONTO DOMINION BK ONT COM NEW 891160509 218 2,748 SH   SOLE   0 0 2,748
UNILEVER PLC SPON ADR NEW 904767704 228 4,995 SH   SOLE   0 0 4,995
UNION PAC CORP COM 907818108 4,112 15,052 SH   SOLE   0 0 15,052
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,124 4,166 SH   SOLE   0 0 4,166
VANGUARD INDEX FDS MID CAP ETF 922908629 3,968 16,685 SH   SOLE   0 0 16,685
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,233 20,602 SH   SOLE   0 0 20,602
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 625 1,505 SH   SOLE   0 0 1,505
VANGUARD INDEX FDS SMALL CP ETF 922908751 342 1,608 SH   SOLE   0 0 1,608
VANGUARD INDEX FDS VALUE ETF 922908744 239 1,617 SH   SOLE   0 0 1,617
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 7,019 121,880 SH   SOLE   0 0 121,880
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 593 6,895 SH   SOLE   0 0 6,895
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,706 10,519 SH   SOLE   0 0 10,519
VERIZON COMMUNICATIONS INC COM 92343V104 3,123 61,304 SH   SOLE   0 0 61,304
VISA INC COM CL A 92826C839 2,005 9,040 SH   SOLE   0 0 9,040
WALMART INC COM 931142103 3,476 23,343 SH   SOLE   0 0 23,343
WASTE MGMT INC DEL COM 94106L109 3,996 25,214 SH   SOLE   0 0 25,214
YUM BRANDS INC COM 988498101 624 5,264 SH   SOLE   0 0 5,264