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
ABB LTD SPONSORED ADR SPONSORED ADR 000375204   729 23,995 SH   SOLE   23,995 0 0
ALPHABET INC CAP STK CL A 02079K305   3,599 40,914 SH   SOLE   40,914 0 0
AMAZON COM INC COM 023135106   1,286 15,331 SH   SOLE   15,331 0 0
ANALOG DEVICES INC COM 032654105   2,130 12,976 SH   SOLE   12,976 0 0
APPLE INC COM 037833100   4,517 34,741 SH   SOLE   34,741 0 0
ASTRAZENECA SPONSORED ADR 046353108   384 5,673 SH   SOLE   5,673 0 0
AUTOLIV INC COM 052800109   334 4,387 SH   SOLE   4,387 0 0
BANK OF AMERICA CORP COM 060505104   2,875 86,748 SH   SOLE   86,748 0 0
BAXTER INTERNATIONAL INC COM 071813109   983 19,314 SH   SOLE   19,314 0 0
BLACKROCK INC COM 09247X101   2,585 3,647 SH   SOLE   3,647 0 0
BRITISH AMERICAN TOBACCO PLC ADR SPONSORED ADR 110448107   740 18,584 SH   SOLE   18,584 0 0
BROADCOM INC COM 11135F101   2,252 4,024 SH   SOLE   4,024 0 0
CSX CORP COM 126408103   2,249 72,514 SH   SOLE   72,514 0 0
CHEVRON CORP COM 166764100   3,404 18,958 SH   SOLE   18,958 0 0
CISCO SYSTEMS INC COM 17275R102   1,645 34,557 SH   SOLE   34,557 0 0
COCA COLA CO COM 191216100   2,157 33,930 SH   SOLE   33,930 0 0
COSTCO WHOLESALE CORPORATION COM 22160K105   2,525 5,535 SH   SOLE   5,535 0 0
DIAGEO PLC-ADR COM 25243Q205   895 5,042 SH   SOLE   5,042 0 0
WALT DISNEY CO COM 254687106   1,628 18,731 SH   SOLE   18,731 0 0
EQUINOR ASA NPV - ADR SPONSORED ADR 29446M102   922 25,804 SH   SOLE   25,804 0 0
GSK PLC-SPON ADR SPONSORED ADR 37733W204   260 7,300 SH   SOLE   7,300 0 0
HOME DEPOT INC COM 437076102   2,350 7,447 SH   SOLE   7,447 0 0
ISHARES DJ SELECT DIVIDEND INDEX ISHARES 464287168   2,280 18,845 SH   SOLE   18,845 0 0
JPMORGAN CHASE COM 46625H100   3,219 24,015 SH   SOLE   24,015 0 0
JOHNSON AND JOHNSON COM 478160104   2,261 12,801 SH   SOLE   12,801 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   2,154 10,351 SH   SOLE   10,351 0 0
LILLY ELI AND CO COM 532457108   2,286 6,258 SH   SOLE   6,258 0 0
MASTERCARD INC COM 57636Q104   4,268 12,277 SH   SOLE   12,277 0 0
MCDONALDS CORP COM 580135101   2,566 9,745 SH   SOLE   9,745 0 0
MICROSOFT CORP COM 594918104   5,442 22,683 SH   SOLE   22,683 0 0
NIKE INC COM 654106103   2,107 18,004 SH   SOLE   18,004 0 0
NOVARTIS AG-ADR COM 66987V109   701 7,689 SH   SOLE   7,689 0 0
NOVO NORDISH A/S ADR COM 670100205   1,618 11,937 SH   SOLE   11,937 0 0
PEPSICO INC COM 713448108   2,254 12,464 SH   SOLE   12,464 0 0
PFIZER INC COM 717081103   2,298 44,745 SH   SOLE   44,745 0 0
PROCTER AND GAMBLE COM 742718109   2,478 16,366 SH   SOLE   16,366 0 0
PROSHARES SNP 500 DIVIDEND ARISTROC S&P 500 DV ARIST 74348A467   2,479 27,557 SH   SOLE   27,557 0 0
PRUDENTIAL FINANCIAL INC COM 744320102   1,441 14,520 SH   SOLE   14,520 0 0
QUALCOMM INC COM 747525103   1,809 16,499 SH   SOLE   16,499 0 0
RELX PLC SPON ADR COM 759530108   720 26,072 SH   SOLE   26,072 0 0
SHELL PLC- ADR SPON ADS 780259305   804 14,126 SH   SOLE   14,126 0 0
SANOFI-AVENTIS-ADR COM 80105N105   689 14,227 SH   SOLE   14,227 0 0
SAP AG-SPONS ADR COM 803054204   1,218 11,828 SH   SOLE   11,828 0 0
STARBUCKS CORP COM 855244109   2,213 22,316 SH   SOLE   22,316 0 0
STRYKER CORP COM 863667101   2,232 9,125 SH   SOLE   9,125 0 0
TJX COMPANIES INC COM 872540109   2,288 28,724 SH   SOLE   28,724 0 0
TARGET CORPORATION COM 87612E106   2,094 14,024 SH   SOLE   14,024 0 0
TEXAS INSTRUMENTS COM 882508104   1,698 10,279 SH   SOLE   10,279 0 0
TRUIST FINL CORP COM 89832Q109   1,826 42,374 SH   SOLE   42,374 0 0
UNILEVER PLC-ADR COM 904767704   873 17,384 SH   SOLE   17,384 0 0
UNITEDHEALTH GROUP COM 91324P102   4,433 8,364 SH   SOLE   8,364 0 0
VALERO ENERGY CORP COM 91913Y100   2,623 20,663 SH   SOLE   20,663 0 0
ACCENTURE PLC CL A COM G1151C101   3,557 13,343 SH   SOLE   13,343 0 0
EATON CORP PLC COM G29183103   3,230 20,558 SH   SOLE   20,558 0 0
MEDTRONIC PLC COM G5960L103   1,395 18,001 SH   SOLE   18,001 0 0
NVENT ELECTRIC PLC COM G6700G107   445 11,460 SH   SOLE   11,460 0 0
TE CONNECTIVITY LTD COM H84989104   744 6,488 SH   SOLE   6,488 0 0
ABBVIE INC COM 00287Y109   78 479 SH   DFND 1 0 479 0
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   273 1,085 SH   DFND 1 0 1,085 0
ALPHABET INC CAP STK CL C 02079K107   70 3,096 SH   DFND 1 0 3,096 0
ALPHABET INC CAP STK CL A 02079K305   162 800 SH   DFND 1 0 800 0
AMAZON COM INC COM 023135106   506 1,938 SH   DFND 1 0 1,938 0
APPLE INC COM 037833100   279 3,934 SH   DFND 1 0 3,934 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   89 909 SH   DFND 1 0 909 0
BOEING CO COM 097023105   40 469 SH   DFND 1 0 469 0
BOOKING HOLDINGS INC COM 09857L108   187 20 SH   DFND 1 0 20 0
CHEVRON CORP COM 166764100   56 1,050 SH   DFND 1 0 1,050 0
CITIGROUP INC COM NEW 172967424   92 1,239 SH   DFND 1 0 1,239 0
WALT DISNEY CO COM 254687106   79 1,073 SH   DFND 1 0 1,073 0
EXXON MOBIL CORP COM 30231G102   15 722 SH   DFND 1 0 722 0
ISHARES TR US CONSUM DISCRE 464287580   28 260 SH   DFND 1 0 260 0
ISHARES TR RUSSELL 2000 ETF 464287655   115 164 SH   DFND 1 0 164 0
ISHARES TR U.S. MED DVC ETF 464288810   78 2,192 SH   DFND 1 0 2,192 0
JPMORGAN CHASE COM 46625H100   141 589 SH   DFND 1 0 589 0
JOHNSON AND JOHNSON COM 478160104   68 797 SH   DFND 1 0 797 0
LAUDER ESTEE COS INC CL A 518439104   428 275 SH   DFND 1 0 275 0
LOCKHEED MARTIN CORP COM 539830109   82 79 SH   DFND 1 0 79 0
MICROSOFT CORP COM 594918104   80 1,796 SH   DFND 1 0 1,796 0
NVIDIA CORPORATION COM 67066G104   40 570 SH   DFND 1 0 570 0
PROCTER AND GAMBLE COM 742718109   118 525 SH   DFND 1 0 525 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101   52 400 SH   DFND 1 0 400 0
SALESFORCE INC COM 79466L302   37 900 SH   DFND 1 0 900 0
SCHLUMBERGER LTD COM STK 806857108   107 973 SH   DFND 1 0 973 0
TESLA INC COM 88160R101   97 308 SH   DFND 1 0 308 0
THERMO FISHER SCIENTIFIC INC COM 883556102   167 195 SH   DFND 1 0 195 0
UNITEDHEALTH GROUP COM 91324P102   74 184 SH   DFND 1 0 184 0
VERTEX PHARMACEUTICALS INC COM 92532F100   23 579 SH   DFND 1 0 579 0
VISA INC COM CL A 92826C839   96 359 SH   DFND 1 0 359 0
WALMART INC COM 931142103   38 226 SH   DFND 1 0 226 0
WELLS FARGO CO COM 949746101   32 559 SH   DFND 1 0 559 0