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 7,087 47,604 SH   SOLE   0 0 47,604
ALTRIA GROUP INC COM 02209S103 5,988 114,606 SH   SOLE   0 0 114,606
AMERICAN ELEC PWR CO INC COM 025537101 8,082 81,009 SH   SOLE   0 0 81,009
AMGEN INC COM 031162100 8,188 33,859 SH   SOLE   0 0 33,859
AT&T INC COM 00206R102 6,793 287,464 SH   SOLE   0 0 287,464
BLACKROCK INC COM 09247X101 271 354 SH   SOLE   0 0 354
BRISTOL-MYERS SQUIBB CO COM 110122108 8,771 120,095 SH   SOLE   0 0 120,095
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 7,721 183,144 SH   SOLE   0 0 183,144
CARDINAL HEALTH INC COM 14149Y108 387 6,817 SH   SOLE   0 0 6,817
CHEVRON CORP NEW COM 166764100 8,758 53,786 SH   SOLE   0 0 53,786
CISCO SYS INC COM 17275R102 3,195 57,306 SH   SOLE   0 0 57,306
COCA COLA CO COM 191216100 2,635 42,498 SH   SOLE   0 0 42,498
CVS HEALTH CORP COM 126650100 537 5,305 SH   SOLE   0 0 5,305
EMERSON ELEC CO COM 291011104 504 5,143 SH   SOLE   0 0 5,143
EXXON MOBIL CORP COM 30231G102 13,574 164,352 SH   SOLE   0 0 164,352
FRANKLIN RESOURCES INC COM 354613101 3,212 115,057 SH   SOLE   0 0 115,057
GENERAL MLS INC COM 370334104 670 9,898 SH   SOLE   0 0 9,898
GENUINE PARTS CO COM 372460105 3,312 26,285 SH   SOLE   0 0 26,285
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 10,189 233,912 SH   SOLE   0 0 233,912
INTERNATIONAL BUSINESS MACHS COM 459200101 7,422 57,081 SH   SOLE   0 0 57,081
ISHARES TR CORE HIGH DV ETF 46429B663 3,765 35,220 SH   SOLE   0 0 35,220
JOHNSON & JOHNSON COM 478160104 2,229 12,577 SH   SOLE   0 0 12,577
KELLOGG CO COM 487836108 6,834 105,969 SH   SOLE   0 0 105,969
KIMBERLY-CLARK CORP COM 494368103 6,437 52,263 SH   SOLE   0 0 52,263
LOCKHEED MARTIN CORP COM 539830109 966 2,188 SH   SOLE   0 0 2,188
MCDONALDS CORP COM 580135101 2,450 9,907 SH   SOLE   0 0 9,907
MERCK & CO INC COM 58933Y105 7,585 92,448 SH   SOLE   0 0 92,448
MICROSOFT CORP COM 594918104 9,080 29,452 SH   SOLE   0 0 29,452
NEW JERSEY RES CORP COM 646025106 8,457 184,407 SH   SOLE   0 0 184,407
PFIZER INC COM 717081103 2,873 55,497 SH   SOLE   0 0 55,497
PHILIP MORRIS INTL INC COM 718172109 8,258 87,912 SH   SOLE   0 0 87,912
PINNACLE WEST CAP CORP COM 723484101 7,072 90,556 SH   SOLE   0 0 90,556
PROCTER AND GAMBLE CO COM 742718109 1,190 7,785 SH   SOLE   0 0 7,785
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 518 7,400 SH   SOLE   0 0 7,400
QUALCOMM INC COM 747525103 4,338 28,386 SH   SOLE   0 0 28,386
SANOFI SPONSORED ADR 80105N105 1,176 22,901 SH   SOLE   0 0 22,901
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 81,286 1,030,369 SH   SOLE   0 0 1,030,369
SOUTHERN CO COM 842587107 497 6,860 SH   SOLE   0 0 6,860
SPDR SER TR PRTFLO S&P500 HI 78468R788 6,966 158,499 SH   SOLE   0 0 158,499
PRICE T ROWE GROUP INC COM 74144T108 7,338 48,538 SH   SOLE   0 0 48,538
UNILEVER PLC SPON ADR NEW 904767704 6,344 139,207 SH   SOLE   0 0 139,207
US BANCORP DEL COM NEW 902973304 3,124 58,785 SH   SOLE   0 0 58,785
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,913 25,947 SH   SOLE   0 0 25,947
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 536 4,942 SH   SOLE   0 0 4,942
VERIZON COMMUNICATIONS INC COM 92343V104 9,025 177,179 SH   SOLE   0 0 177,179
VIATRIS INC COM 92556V106 294 26,999 SH   SOLE   0 0 26,999