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 4,038 22,730 SH   SOLE   0 0 22,730
ABBVIE INC COM 00287Y109 712 5,262 SH   SOLE   0 0 5,262
ALTRIA GROUP INC COM 02209S103 5,480 115,630 SH   SOLE   0 0 115,630
AMERICAN ELEC PWR CO INC COM 025537101 7,232 81,281 SH   SOLE   0 0 81,281
AMGEN INC COM 031162100 7,680 34,140 SH   SOLE   0 0 34,140
AT&T INC COM 00206R102 7,142 290,315 SH   SOLE   0 0 290,315
BLACKROCK INC COM 09247X101 324 354 SH   SOLE   0 0 354
BRISTOL-MYERS SQUIBB CO COM 110122108 7,303 117,124 SH   SOLE   0 0 117,124
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 6,915 184,835 SH   SOLE   0 0 184,835
CARDINAL HEALTH INC COM 14149Y108 351 6,817 SH   SOLE   0 0 6,817
CHEVRON CORP NEW COM 166764100 9,757 83,147 SH   SOLE   0 0 83,147
CISCO SYS INC COM 17275R102 3,655 57,685 SH   SOLE   0 0 57,685
COCA COLA CO COM 191216100 2,664 44,996 SH   SOLE   0 0 44,996
CVS HEALTH CORP COM 126650100 555 5,382 SH   SOLE   0 0 5,382
EMERSON ELEC CO COM 291011104 478 5,143 SH   SOLE   0 0 5,143
EXXON MOBIL CORP COM 30231G102 10,158 166,014 SH   SOLE   0 0 166,014
FRANKLIN RESOURCES INC COM 354613101 3,878 115,801 SH   SOLE   0 0 115,801
GENERAL MLS INC COM 370334104 7,146 106,056 SH   SOLE   0 0 106,056
GENUINE PARTS CO COM 372460105 3,728 26,593 SH   SOLE   0 0 26,593
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 10,291 233,354 SH   SOLE   0 0 233,354
INTERNATIONAL BUSINESS MACHS COM 459200101 7,827 58,559 SH   SOLE   0 0 58,559
ISHARES TR CORE HIGH DV ETF 46429B663 10,055 99,567 SH   SOLE   0 0 99,567
JOHNSON & JOHNSON COM 478160104 2,219 12,972 SH   SOLE   0 0 12,972
JPMORGAN CHASE & CO COM 46625H100 224 1,413 SH   SOLE   0 0 1,413
KELLOGG CO COM 487836108 6,587 102,246 SH   SOLE   0 0 102,246
KIMBERLY-CLARK CORP COM 494368103 6,908 48,332 SH   SOLE   0 0 48,332
LOCKHEED MARTIN CORP COM 539830109 1,674 4,711 SH   SOLE   0 0 4,711
MCDONALDS CORP COM 580135101 2,694 10,050 SH   SOLE   0 0 10,050
MERCK & CO INC COM 58933Y105 7,124 92,950 SH   SOLE   0 0 92,950
MICROSOFT CORP COM 594918104 9,973 29,653 SH   SOLE   0 0 29,653
NEW JERSEY RES CORP COM 646025106 7,517 183,084 SH   SOLE   0 0 183,084
PFIZER INC COM 717081103 3,246 54,966 SH   SOLE   0 0 54,966
PHILIP MORRIS INTL INC COM 718172109 8,435 88,794 SH   SOLE   0 0 88,794
PINNACLE WEST CAP CORP COM 723484101 6,457 91,477 SH   SOLE   0 0 91,477
PROCTER AND GAMBLE CO COM 742718109 1,273 7,785 SH   SOLE   0 0 7,785
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 560 8,389 SH   SOLE   0 0 8,389
QUALCOMM INC COM 747525103 5,223 28,560 SH   SOLE   0 0 28,560
SANOFI SPONSORED ADR 80105N105 1,162 23,194 SH   SOLE   0 0 23,194
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 81,431 1,007,436 SH   SOLE   0 0 1,007,436
SOUTHERN CO COM 842587107 470 6,860 SH   SOLE   0 0 6,860
UNILEVER PLC SPON ADR NEW 904767704 6,729 125,091 SH   SOLE   0 0 125,091
US BANCORP DEL COM NEW 902973304 3,322 59,150 SH   SOLE   0 0 59,150
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,986 26,635 SH   SOLE   0 0 26,635
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 677 5,837 SH   SOLE   0 0 5,837
VERIZON COMMUNICATIONS INC COM 92343V104 8,952 172,282 SH   SOLE   0 0 172,282
VIATRIS INC COM 92556V106 368 27,213 SH   SOLE   0 0 27,213