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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 BBG001S5T7X2 262,368 2,400 SH   SOLE   0 0 2,400
ABBOTT LABS COM 002824100 BBG001S5N9M6 3,175,960 28,854 SH   SOLE   0 0 28,854
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 2,756,141 17,785 SH   SOLE   0 0 17,785
ADOBE INC COM 00724F101 BBG001S5NCQ5 214,776 360 SH   SOLE   0 0 360
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 4,403,029 31,520 SH   SOLE   0 0 31,520
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 304,409 2,160 SH   SOLE   0 0 2,160
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 245,066 6,075 SH   SOLE   0 0 6,075
AMAZON COM INC COM 023135106 BBG001S5PQL7 2,772,905 18,250 SH   SOLE   0 0 18,250
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 1,020,066 5,445 SH   SOLE   0 0 5,445
APPLE INC COM 037833100 BBG001S5N8V8 7,269,163 37,756 SH   SOLE   0 0 37,756
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 4,431,322 19,021 SH   SOLE   0 0 19,021
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 637,205 18,925 SH   SOLE   0 0 18,925
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 287,719 1,180 SH   SOLE   0 0 1,180
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 542,625 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,584,997 4,444 SH   SOLE   0 0 4,444
BLACKROCK INC COM 09247X101 BBG001SDBP55 434,313 535 SH   SOLE   0 0 535
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 300,933 5,865 SH   SOLE   0 0 5,865
BROADCOM INC COM 11135F101 BBG00KHY5SY8 280,179 251 SH   SOLE   0 0 251
CARRIER GLOBAL CORPORATION COM 14448C104 BBG00RP5HZM1 241,290 4,200 SH   SOLE   0 0 4,200
CITIZENS FINL GROUP INC COM 174610105 BBG006Q0HZT0 348,451 10,515 SH   SOLE   0 0 10,515
CLOROX CO DEL COM 189054109 BBG001S5PX50 513,110 3,599 SH   SOLE   0 0 3,599
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,592,878 27,030 SH   SOLE   0 0 27,030
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 325,536 4,084 SH   SOLE   0 0 4,084
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 4,106,358 6,221 SH   SOLE   0 0 6,221
CSX CORP COM 126408103 BBG001S5Q7Q3 607,245 17,515 SH   SOLE   0 0 17,515
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 343,002 4,344 SH   SOLE   0 0 4,344
DARDEN RESTAURANTS INC COM 237194105 BBG001S5QM08 266,659 1,623 SH   SOLE   0 0 1,623
DISNEY WALT CO COM 254687106 BBG001S5QHF3 324,322 3,592 SH   SOLE   0 0 3,592
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 593,869 12,636 SH   SOLE   0 0 12,636
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 2,934,296 30,238 SH   SOLE   0 0 30,238
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 1,676,315 17,223 SH   SOLE   0 0 17,223
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 BBG005FHVPV0 503,085 6,373 SH   SOLE   0 0 6,373
HEALTHCARE RLTY TR CL A COM 42226K105 BBG001T5WP21 185,223 10,750 SH   SOLE   0 0 10,750
HERSHEY CO COM 427866108 BBG001S5S148 349,575 1,875 SH   SOLE   0 0 1,875
HOME DEPOT INC COM 437076102 BBG001S5RTW7 3,231,925 9,326 SH   SOLE   0 0 9,326
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 2,575,239 12,280 SH   SOLE   0 0 12,280
INTEL CORP COM 458140100 BBG001S5SF65 369,840 7,360 SH   SOLE   0 0 7,360
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 207,863 750 SH   SOLE   0 0 750
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 BBG014GFHJN4 210,453 4,389 SH   SOLE   0 0 4,389
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 10,481,816 208,386 SH   SOLE   0 0 208,386
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 4,564,582 29,122 SH   SOLE   0 0 29,122
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 4,918,101 28,913 SH   SOLE   0 0 28,913
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 2,855,789 23,503 SH   SOLE   0 0 23,503
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 2,752,980 6,074 SH   SOLE   0 0 6,074
LOWES COS INC COM 548661107 BBG001S5SVL3 275,962 1,240 SH   SOLE   0 0 1,240
M & T BK CORP COM 55261F104 BBG001S7S2B4 498,286 3,635 SH   SOLE   0 0 3,635
MCDONALDS CORP COM 580135101 BBG001S5T110 3,690,512 12,447 SH   SOLE   0 0 12,447
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 351,021 4,261 SH   SOLE   0 0 4,261
MERCK & CO INC COM 58933Y105 BBG001S5TC52 2,467,450 22,633 SH   SOLE   0 0 22,633
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 351,482 993 SH   SOLE   0 0 993
MICROSOFT CORP COM 594918104 BBG001S5TD05 13,919,685 37,017 SH   SOLE   0 0 37,017
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 731,579 10,101 SH   SOLE   0 0 10,101
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 226,225 2,426 SH   SOLE   0 0 2,426
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 2,124,442 34,976 SH   SOLE   0 0 34,976
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 380,335 1,609 SH   SOLE   0 0 1,609
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 508,081 5,032 SH   SOLE   0 0 5,032
ORACLE CORP COM 68389X105 BBG001S5SJG6 1,404,855 13,325 SH   SOLE   0 0 13,325
PAYCHEX INC COM 704326107 BBG001S5V135 1,778,134 14,929 SH   SOLE   0 0 14,929
PEPSICO INC COM 713448108 BBG001S695T1 4,609,967 27,143 SH   SOLE   0 0 27,143
PFIZER INC COM 717081103 BBG001S5V466 862,592 29,962 SH   SOLE   0 0 29,962
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 974,110 9,046 SH   SOLE   0 0 9,046
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 2,188,428 14,934 SH   SOLE   0 0 14,934
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 347,919 4,135 SH   SOLE   0 0 4,135
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 1,453,125 21,121 SH   SOLE   0 0 21,121
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 3,827,967 45,658 SH   SOLE   0 0 45,658
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 346,464 1,800 SH   SOLE   0 0 1,800
SOUTHERN CO COM 842587107 BBG001S5W777 308,107 4,394 SH   SOLE   0 0 4,394
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 275,869 732 SH   SOLE   0 0 732
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 636,787 3,331 SH   SOLE   0 0 3,331
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 567,045 1,193 SH   SOLE   0 0 1,193
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 274,934 2,200 SH   SOLE   0 0 2,200
STARBUCKS CORP COM 855244109 BBG001S72KH6 477,938 4,978 SH   SOLE   0 0 4,978
STRYKER CORPORATION COM 863667101 BBG001S8FR03 413,255 1,380 SH   SOLE   0 0 1,380
TARGET CORP COM 87612E106 BBG001SC0K41 239,123 1,679 SH   SOLE   0 0 1,679
TESLA INC COM 88160R101 BBG001SQKGD7 544,171 2,190 SH   SOLE   0 0 2,190
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 2,754,800 5,190 SH   SOLE   0 0 5,190
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,701,807 18,141 SH   SOLE   0 0 18,141
UNION PAC CORP COM 907818108 BBG001S5X2M0 3,570,578 14,537 SH   SOLE   0 0 14,537
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 2,626,138 4,988 SH   SOLE   0 0 4,988
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 BBG002D68GN8 2,102,112 12,021 SH   SOLE   0 0 12,021
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 8,730,514 37,528 SH   SOLE   0 0 37,528
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,049,952 23,200 SH   SOLE   0 0 23,200
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 653,453 1,496 SH   SOLE   0 0 1,496
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 1,086,839 6,039 SH   SOLE   0 0 6,039
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 841,800 3,946 SH   SOLE   0 0 3,946
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 549,562 3,676 SH   SOLE   0 0 3,676
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 5,063,688 90,198 SH   SOLE   0 0 90,198
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 2,013,958 11,819 SH   SOLE   0 0 11,819
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 323,259 8,575 SH   SOLE   0 0 8,575
VISA INC COM CL A 92826C839 BBG001SRCFY3 2,633,440 10,115 SH   SOLE   0 0 10,115
WALMART INC COM 931142103 BBG001S5XH92 4,086,367 25,921 SH   SOLE   0 0 25,921
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 4,023,840 22,467 SH   SOLE   0 0 22,467
YUM BRANDS INC COM 988498101 BBG001S7JQ30 477,562 3,655 SH   SOLE   0 0 3,655