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
ABBOTT LABS COM 002824100 644 5,556 SH   SOLE NONE 5,556 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,112 1,898 SH   SOLE NONE 1,898 0 0
ALPHABET INC CAP STK CL C 02079K107 2,436 972 SH   SOLE NONE 972 0 0
ALPHABET INC CAP STK CL A 02079K305 286 117 SH   SOLE NONE 117 0 0
ALTRIA GROUP INC COM 02209S103 879 18,425 SH   SOLE NONE 18,425 0 0
AMAZON COM INC COM 023135106 2,243 652 SH   SOLE NONE 652 0 0
AMERICAN EXPRESS CO COM 025816109 2,295 13,888 SH   SOLE NONE 13,888 0 0
AMERICAN TOWER CORP NEW COM 03027X100 293 1,085 SH   SOLE NONE 1,085 0 0
AMGEN INC COM 031162100 1,411 5,790 SH   SOLE NONE 5,790 0 0
AMPHENOL CORP NEW CL A 032095101 478 6,994 SH   SOLE NONE 6,994 0 0
APPLE INC COM 037833100 6,784 49,535 SH   SOLE NONE 49,535 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 501 2,520 SH   SOLE NONE 2,520 0 0
BK OF AMERICA CORP COM 060505104 274 6,650 SH   SOLE NONE 6,650 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,771 6,372 SH   SOLE NONE 6,372 0 0
BEST INC SPONSORED ADS 08653C106 18 10,000 SH   SOLE NONE 10,000 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 610 9,135 SH   SOLE NONE 9,135 0 0
CSX CORP COM 126408103 2,647 82,505 SH   SOLE NONE 82,505 0 0
CVS HEALTH CORP COM 126650100 2,793 33,471 SH   SOLE NONE 33,471 0 0
CATERPILLAR INC COM 149123101 359 1,650 SH   SOLE NONE 1,650 0 0
CHEVRON CORP NEW COM 166764100 1,274 12,168 SH   SOLE NONE 12,168 0 0
CISCO SYS INC COM 17275R102 2,969 56,015 SH   SOLE NONE 56,015 0 0
CLOROX CO DEL COM 189054109 981 5,453 SH   SOLE NONE 5,453 0 0
COCA COLA CO COM 191216100 1,827 33,760 SH   SOLE NONE 33,760 0 0
COMCAST CORP NEW CL A 20030N101 1,182 20,728 SH   SOLE NONE 20,728 0 0
CONOCOPHILLIPS COM 20825C104 2,637 43,302 SH   SOLE NONE 43,302 0 0
CONSTELLATION BRANDS INC CL A 21036P108 515 2,204 SH   SOLE NONE 2,204 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,004 2,537 SH   SOLE NONE 2,537 0 0
DEERE CO COM 244199105 864 2,450 SH   SOLE NONE 2,450 0 0
DIGITAL RLTY TR INC COM 253868103 1,568 10,421 SH   SOLE NONE 10,421 0 0
DISNEY WALT CO COM 254687106 1,101 6,266 SH   SOLE NONE 6,266 0 0
EXXON MOBIL CORP COM 30231G102 243 3,846 SH   SOLE NONE 3,846 0 0
FACEBOOK INC CL A 30303M102 798 2,296 SH   SOLE NONE 2,296 0 0
GENERAL DYNAMICS CORP COM 369550108 600 3,186 SH   SOLE NONE 3,186 0 0
GENERAL MLS INC COM 370334104 1,463 24,015 SH   SOLE NONE 24,015 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 296 779 SH   SOLE NONE 779 0 0
HOME DEPOT INC COM 437076102 2,337 7,327 SH   SOLE NONE 7,327 0 0
HONEYWELL INTL INC COM 438516106 2,523 11,502 SH   SOLE NONE 11,502 0 0
HOTH THERAPEUTICS INC COM 44148G105 32 20,000 SH   SOLE NONE 20,000 0 0
INTEL CORP COM 458140100 3,819 68,020 SH   SOLE NONE 68,020 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 2,105 14,360 SH   SOLE NONE 14,360 0 0
INTERNATIONAL FLAVORSFRAGRA COM 459506101 395 2,643 SH   SOLE NONE 2,643 0 0
IQVIA HLDGS INC COM 46266C105 852 3,517 SH   SOLE NONE 3,517 0 0
ISHARES GOLD TR ISHARES NEW 464285204 7,931 235,285 SH   SOLE NONE 235,285 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 606 25,810 SH   SOLE NONE 25,810 0 0
JPMORGAN CHASE CO COM 46625H100 3,861 24,822 SH   SOLE NONE 24,822 0 0
JOHNSON JOHNSON COM 478160104 3,757 22,803 SH   SOLE NONE 22,803 0 0
LILLY ELI CO COM 532457108 2,975 12,960 SH   SOLE NONE 12,960 0 0
LOCKHEED MARTIN CORP COM 539830109 984 2,602 SH   SOLE NONE 2,602 0 0
MASTERCARD INCORPORATED CL A 57636Q104 752 2,059 SH   SOLE NONE 2,059 0 0
MCDONALDS CORP COM 580135101 1,490 6,451 SH   SOLE NONE 6,451 0 0
MERCK CO INC COM 58933Y105 1,899 24,418 SH   SOLE NONE 24,418 0 0
MICROSOFT CORP COM 594918104 7,989 29,489 SH   SOLE NONE 29,489 0 0
MONDELEZ INTL INC CL A 609207105 480 7,695 SH   SOLE NONE 7,695 0 0
NEXTERA ENERGY INC COM 65339F101 2,182 29,775 SH   SOLE NONE 29,775 0 0
NIKE INC CL B 654106103 324 2,100 SH   SOLE NONE 2,100 0 0
NORFOLK SOUTHN CORP COM 655844108 640 2,410 SH   SOLE NONE 2,410 0 0
NORTHROP GRUMMAN CORP COM 666807102 853 2,347 SH   SOLE NONE 2,347 0 0
NOVO-NORDISK A S ADR 670100205 1,675 20,000 SH   SOLE NONE 20,000 0 0
NVIDIA CORPORATION COM 67066G104 240 300 SH   SOLE NONE 300 0 0
ORACLE CORP COM 68389X105 3,533 45,392 SH   SOLE NONE 45,392 0 0
PEPSICO INC COM 713448108 1,909 12,881 SH   SOLE NONE 12,881 0 0
PFIZER INC COM 717081103 3,538 90,352 SH   SOLE NONE 90,352 0 0
PROCTER AND GAMBLE CO COM 742718109 2,493 18,475 SH   SOLE NONE 18,475 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 452 5,304 SH   SOLE NONE 5,304 0 0
ROYAL DUTCH SHELL PLC SPONS ADR A 780259206 275 6,800 SH   SOLE NONE 6,800 0 0
SCHWAB CHARLES CORP COM 808513105 1,858 25,513 SH   SOLE NONE 25,513 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 213 2,050 SH   SOLE NONE 2,050 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,128 7,731 SH   SOLE NONE 7,731 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 993 13,135 SH   SOLE NONE 13,135 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 7,917 200,684 SH   SOLE NONE 200,684 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 658 12,050 SH   SOLE NONE 12,050 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 434 8,483 SH   SOLE NONE 8,483 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,677 122,811 SH   SOLE NONE 122,811 0 0
STARBUCKS CORP COM 855244109 1,026 9,177 SH   SOLE NONE 9,177 0 0
TJX COS INC NEW COM 872540109 380 5,637 SH   SOLE NONE 5,637 0 0
T-MOBILE US INC COM 872590104 1,834 12,665 SH   SOLE NONE 12,665 0 0
3M CO COM 88579Y101 1,259 6,340 SH   SOLE NONE 6,340 0 0
US BANCORP DEL COM NEW 902973304 770 13,520 SH   SOLE NONE 13,520 0 0
UNILEVER PLC SPON ADR NEW 904767704 1,029 17,590 SH   SOLE NONE 17,590 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,189 5,467 SH   SOLE NONE 5,467 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,275 58,458 SH   SOLE NONE 58,458 0 0
VERISK ANALYTICS INC COM 92345Y106 387 2,215 SH   SOLE NONE 2,215 0 0
VIACOMCBS INC CL B 92556H206 361 7,981 SH   SOLE NONE 7,981 0 0
VISA INC COM CL A 92826C839 1,988 8,503 SH   SOLE NONE 8,503 0 0
WALMART INC COM 931142103 4,068 28,848 SH   SOLE NONE 28,848 0 0
WASTE MGMT INC DEL COM 94106L109 2,464 17,585 SH   SOLE NONE 17,585 0 0
ZOETIS INC CL A 98978V103 512 2,749 SH   SOLE NONE 2,749 0 0
EATON CORP PLC SHS G29183103 1,241 8,375 SH   SOLE NONE 8,375 0 0
MEDTRONIC PLC SHS G5960L103 1,021 8,229 SH   SOLE NONE 8,229 0 0
APTIV PLC SHS G6095L109 494 3,138 SH   SOLE NONE 3,138 0 0
CERAGON NETWORKS LTD ORD M22013102 38 10,000 SH   SOLE NONE 10,000 0 0