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 315 2,438 SH   SOLE   0 0 2,438
ABBOTT LABS COM 002824100 3,069 28,246 SH   SOLE   0 0 28,246
ABBVIE INC COM 00287Y109 5,564 36,330 SH   SOLE   0 0 36,330
ADOBE SYSTEMS INCORPORATED COM 00724F101 889 2,428 SH   SOLE   0 0 2,428
ALPHABET INC CAP STK CL A 02079K305 2,524 1,158 SH   SOLE   0 0 1,158
ALPHABET INC CAP STK CL C 02079K107 315 144 SH   SOLE   0 0 144
ALTRIA GROUP INC COM 02209S103 424 10,150 SH   SOLE   0 0 10,150
AMAZON COM INC COM 023135106 2,187 20,590 SH   SOLE   0 0 20,590
AMERICAN ELEC PWR CO INC COM 025537101 246 2,568 SH   SOLE   0 0 2,568
AMERICAN EXPRESS CO COM 025816109 502 3,624 SH   SOLE   0 0 3,624
APPLE INC COM 037833100 5,250 38,401 SH   SOLE   0 0 38,401
AT&T INC COM 00206R102 390 18,597 SH   SOLE   0 0 18,597
AUTOMATIC DATA PROCESSING IN COM 053015103 3,607 17,172 SH   SOLE   0 0 17,172
BAXTER INTL INC COM 071813109 337 5,252 SH   SOLE   0 0 5,252
BECTON DICKINSON & CO COM 075887109 288 1,169 SH   SOLE   0 0 1,169
BERKSHIRE HATHAWAY INC DEL CL A 084670108 409 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,639 6,003 SH   SOLE   0 0 6,003
BK OF AMERICA CORP COM 060505104 508 16,326 SH   SOLE   0 0 16,326
BLACKROCK INC COM 09247X101 311 511 SH   SOLE   0 0 511
BRISTOL-MYERS SQUIBB CO COM 110122108 452 5,865 SH   SOLE   0 0 5,865
CITIZENS FINL GROUP INC COM 174610105 673 18,850 SH   SOLE   0 0 18,850
CLOROX CO DEL COM 189054109 515 3,651 SH   SOLE   0 0 3,651
COCA COLA CO COM 191216100 1,430 22,725 SH   SOLE   0 0 22,725
COLGATE PALMOLIVE CO COM 194162103 399 4,974 SH   SOLE   0 0 4,974
COSTCO WHSL CORP NEW COM 22160K105 3,653 7,622 SH   SOLE   0 0 7,622
CSX CORP COM 126408103 531 18,267 SH   SOLE   0 0 18,267
CVS HEALTH CORP COM 126650100 559 6,037 SH   SOLE   0 0 6,037
DARDEN RESTAURANTS INC COM 237194105 619 5,472 SH   SOLE   0 0 5,472
DISNEY WALT CO COM 254687106 1,542 16,339 SH   SOLE   0 0 16,339
DOMINION ENERGY INC COM 25746U109 1,544 19,349 SH   SOLE   0 0 19,349
DUKE ENERGY CORP NEW COM NEW 26441C204 2,796 26,079 SH   SOLE   0 0 26,079
EMERSON ELEC CO COM 291011104 1,807 22,721 SH   SOLE   0 0 22,721
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 235 3,995 SH   SOLE   0 0 3,995
HEALTHCARE TR AMER INC CL A NEW 42225P501 300 10,750 SH   SOLE   0 0 10,750
HERSHEY CO COM 427866108 403 1,875 SH   SOLE   0 0 1,875
HOME DEPOT INC COM 437076102 2,965 10,811 SH   SOLE   0 0 10,811
HONEYWELL INTL INC COM 438516106 2,810 16,166 SH   SOLE   0 0 16,166
INTEL CORP COM 458140100 375 10,037 SH   SOLE   0 0 10,037
ISHARES TR PFD AND INCM SEC 464288687 899 27,355 SH   SOLE   0 0 27,355
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 4,324 94,783 SH   SOLE   0 0 94,783
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 5,215 106,330 SH   SOLE   0 0 106,330
JOHNSON & JOHNSON COM 478160104 5,457 30,740 SH   SOLE   0 0 30,740
JPMORGAN CHASE & CO COM 46625H100 3,050 27,083 SH   SOLE   0 0 27,083
KIMBERLY-CLARK CORP COM 494368103 3,320 24,567 SH   SOLE   0 0 24,567
LOCKHEED MARTIN CORP COM 539830109 2,707 6,295 SH   SOLE   0 0 6,295
LOWES COS INC COM 548661107 226 1,293 SH   SOLE   0 0 1,293
M & T BK CORP COM 55261F104 587 3,685 SH   SOLE   0 0 3,685
MCDONALDS CORP COM 580135101 4,324 17,514 SH   SOLE   0 0 17,514
MEDTRONIC PLC SHS G5960L103 506 5,635 SH   SOLE   0 0 5,635
MERCK & CO INC COM 58933Y105 498 5,462 SH   SOLE   0 0 5,462
MEREO BIOPHARMA GROUP PLC ADS 589492107 11 10,000 SH   SOLE   0 0 10,000
META PLATFORMS INC CL A 30303M102 223 1,385 SH   SOLE   0 0 1,385
MICROSOFT CORP COM 594918104 11,319 44,072 SH   SOLE   0 0 44,072
MONDELEZ INTL INC CL A 609207105 856 13,793 SH   SOLE   0 0 13,793
NEXTERA ENERGY INC COM 65339F101 2,545 32,857 SH   SOLE   0 0 32,857
NORFOLK SOUTHN CORP COM 655844108 416 1,831 SH   SOLE   0 0 1,831
NOVARTIS AG SPONSORED ADR 66987V109 583 6,896 SH   SOLE   0 0 6,896
PAYCHEX INC COM 704326107 2,190 19,234 SH   SOLE   0 0 19,234
PEPSICO INC COM 713448108 4,820 28,920 SH   SOLE   0 0 28,920
PFIZER INC COM 717081103 3,457 65,940 SH   SOLE   0 0 65,940
PRICE T ROWE GROUP INC COM 74144T108 1,180 10,389 SH   SOLE   0 0 10,389
PROCTER AND GAMBLE CO COM 742718109 2,291 15,931 SH   SOLE   0 0 15,931
RAYTHEON TECHNOLOGIES CORP COM 75513E101 380 3,958 SH   SOLE   0 0 3,958
SCHWAB CHARLES CORP COM 808513105 791 12,512 SH   SOLE   0 0 12,512
SELECT SECTOR SPDR TR ENERGY 81369Y506 867 12,124 SH   SOLE   0 0 12,124
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 254 2,000 SH   SOLE   0 0 2,000
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 225 732 SH   SOLE   0 0 732
SPDR GOLD TR GOLD SHS 78463V107 321 1,906 SH   SOLE   0 0 1,906
SPDR S&P 500 ETF TR TR UNIT 78462F103 450 1,193 SH   SOLE   0 0 1,193
SPDR SER TR S&P DIVID ETF 78464A763 261 2,200 SH   SOLE   0 0 2,200
STARBUCKS CORP COM 855244109 537 7,028 SH   SOLE   0 0 7,028
STRYKER CORPORATION COM 863667101 289 1,455 SH   SOLE   0 0 1,455
TARGET CORP COM 87612E106 1,126 7,970 SH   SOLE   0 0 7,970
TESLA INC COM 88160R101 559 830 SH   SOLE   0 0 830
THERMO FISHER SCIENTIFIC INC COM 883556102 2,616 4,815 SH   SOLE   0 0 4,815
TJX COS INC NEW COM 872540109 974 17,432 SH   SOLE   0 0 17,432
UNION PAC CORP COM 907818108 3,193 14,969 SH   SOLE   0 0 14,969
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 879 4,316 SH   SOLE   0 0 4,316
VANGUARD INDEX FDS MID CAP ETF 922908629 3,529 17,915 SH   SOLE   0 0 17,915
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,045 22,442 SH   SOLE   0 0 22,442
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 519 1,496 SH   SOLE   0 0 1,496
VANGUARD INDEX FDS SMALL CP ETF 922908751 525 2,982 SH   SOLE   0 0 2,982
VANGUARD INDEX FDS VALUE ETF 922908744 433 3,281 SH   SOLE   0 0 3,281
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 3,923 78,525 SH   SOLE   0 0 78,525
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,570 10,945 SH   SOLE   0 0 10,945
VERIZON COMMUNICATIONS INC COM 92343V104 3,079 60,678 SH   SOLE   0 0 60,678
VISA INC COM CL A 92826C839 1,674 8,501 SH   SOLE   0 0 8,501
WALMART INC COM 931142103 3,261 26,821 SH   SOLE   0 0 26,821
WASTE MGMT INC DEL COM 94106L109 3,735 24,416 SH   SOLE   0 0 24,416
YUM BRANDS INC COM 988498101 555 4,890 SH   SOLE   0 0 4,890