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 7,166 55,371 SH   SOLE   0 0 55,371
ALTRIA GROUP INC COM 02209S103 4,787 114,606 SH   SOLE   0 0 114,606
AMERICAN ELEC PWR CO INC COM 025537101 6,346 66,141 SH   SOLE   0 0 66,141
AMGEN INC COM 031162100 8,196 33,685 SH   SOLE   0 0 33,685
AT&T INC COM 00206R102 5,984 285,509 SH   SOLE   0 0 285,509
BLACKROCK INC COM 09247X101 216 354 SH   SOLE   0 0 354
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 7,806 181,906 SH   SOLE   0 0 181,906
CARDINAL HEALTH INC COM 14149Y108 354 6,773 SH   SOLE   0 0 6,773
CHEVRON CORP NEW COM 166764100 3,943 27,237 SH   SOLE   0 0 27,237
CISCO SYS INC COM 17275R102 10,012 234,811 SH   SOLE   0 0 234,811
COCA COLA CO COM 191216100 2,394 38,050 SH   SOLE   0 0 38,050
CVS HEALTH CORP COM 126650100 492 5,305 SH   SOLE   0 0 5,305
EMERSON ELEC CO COM 291011104 409 5,143 SH   SOLE   0 0 5,143
EXXON MOBIL CORP COM 30231G102 11,921 139,200 SH   SOLE   0 0 139,200
FRANKLIN RESOURCES INC COM 354613101 2,637 113,125 SH   SOLE   0 0 113,125
GENUINE PARTS CO COM 372460105 3,432 25,805 SH   SOLE   0 0 25,805
GSK PLC SPONSORED ADR 37733W105 10,258 235,657 SH   SOLE   0 0 235,657
INTEL CORP COM 458140100 6,552 175,137 SH   SOLE   0 0 175,137
INTERNATIONAL BUSINESS MACHS COM 459200101 7,996 56,634 SH   SOLE   0 0 56,634
ISHARES TR CORE HIGH DV ETF 46429B663 3,475 34,600 SH   SOLE   0 0 34,600
JOHNSON & JOHNSON COM 478160104 2,031 11,444 SH   SOLE   0 0 11,444
JPMORGAN CHASE & CO COM 46625H100 420 3,726 SH   SOLE   0 0 3,726
KELLOGG CO COM 487836108 7,598 106,498 SH   SOLE   0 0 106,498
KIMBERLY-CLARK CORP COM 494368103 6,715 49,688 SH   SOLE   0 0 49,688
LOCKHEED MARTIN CORP COM 539830109 941 2,188 SH   SOLE   0 0 2,188
MCDONALDS CORP COM 580135101 2,390 9,682 SH   SOLE   0 0 9,682
MICROSOFT CORP COM 594918104 7,522 29,287 SH   SOLE   0 0 29,287
NEW JERSEY RES CORP COM 646025106 7,940 178,314 SH   SOLE   0 0 178,314
PFIZER INC COM 717081103 3,358 64,050 SH   SOLE   0 0 64,050
PHILIP MORRIS INTL INC COM 718172109 8,623 87,328 SH   SOLE   0 0 87,328
PINNACLE WEST CAP CORP COM 723484101 6,585 90,062 SH   SOLE   0 0 90,062
PROCTER AND GAMBLE CO COM 742718109 1,119 7,785 SH   SOLE   0 0 7,785
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 848 13,396 SH   SOLE   0 0 13,396
QUALCOMM INC COM 747525103 3,572 27,962 SH   SOLE   0 0 27,962
SANOFI SPONSORED ADR 80105N105 1,146 22,901 SH   SOLE   0 0 22,901
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 75,429 1,053,039 SH   SOLE   0 0 1,053,039
SOUTHERN CO COM 842587107 489 6,860 SH   SOLE   0 0 6,860
SPDR SER TR PRTFLO S&P500 HI 78468R788 6,394 160,198 SH   SOLE   0 0 160,198
PRICE T ROWE GROUP INC COM 74144T108 6,484 57,070 SH   SOLE   0 0 57,070
UNILEVER PLC SPON ADR NEW 904767704 7,397 161,392 SH   SOLE   0 0 161,392
UNITED PARCEL SERVICE INC CL B 911312106 7,635 41,826 SH   SOLE   0 0 41,826
US BANCORP DEL COM NEW 902973304 2,643 57,435 SH   SOLE   0 0 57,435
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,586 25,426 SH   SOLE   0 0 25,426
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 450 4,942 SH   SOLE   0 0 4,942
VERIZON COMMUNICATIONS INC COM 92343V104 9,584 188,847 SH   SOLE   0 0 188,847
VIATRIS INC COM 92556V106 281 26,833 SH   SOLE   0 0 26,833