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 1,424 8,018 SH   SOLE NONE 8,018 0 0
ABBOTT LABS COM 002824100 512 3,635 SH   SOLE NONE 3,635 0 0
ABBVIE INC COM 00287Y109 200 1,475 SH   SOLE NONE 1,475 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,312 2,313 SH   SOLE NONE 2,313 0 0
ALPHABET INC CAP STK CL C 02079K107 2,755 952 SH   SOLE NONE 952 0 0
ALPHABET INC CAP STK CL A 02079K305 281 97 SH   SOLE NONE 97 0 0
ALTRIA GROUP INC COM 02209S103 956 20,170 SH   SOLE NONE 20,170 0 0
AMAZON COM INC COM 023135106 2,104 631 SH   SOLE NONE 631 0 0
AMERICAN EXPRESS CO COM 025816109 2,279 13,933 SH   SOLE NONE 13,933 0 0
AMERICAN TOWER CORP NEW COM 03027X100 317 1,085 SH   SOLE NONE 1,085 0 0
AMGEN INC COM 031162100 1,363 6,060 SH   SOLE NONE 6,060 0 0
AMPHENOL CORP NEW CL A 032095101 437 5,000 SH   SOLE NONE 5,000 0 0
APPLE INC COM 037833100 8,239 46,400 SH   SOLE NONE 46,400 0 0
APTIV PLC SHS G6095L109 330 2,000 SH   SOLE NONE 2,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 621 2,520 SH   SOLE NONE 2,520 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,217 7,414 SH   SOLE NONE 7,414 0 0
BEST INC SPONSORED ADS 08653C106 9 10,000 SH   SOLE NONE 10,000 0 0
BK OF AMERICA CORP COM 060505104 269 6,050 SH   SOLE NONE 6,050 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 721 11,565 SH   SOLE NONE 11,565 0 0
CATERPILLAR INC COM 149123101 331 1,600 SH   SOLE NONE 1,600 0 0
CERAGON NETWORKS LTD ORD M22013102 26 10,000 SH   SOLE NONE 10,000 0 0
CHEVRON CORP NEW COM 166764100 1,645 14,015 SH   SOLE NONE 14,015 0 0
CISCO SYS INC COM 17275R102 3,940 62,178 SH   SOLE NONE 62,178 0 0
CLOROX CO DEL COM 189054109 1,056 6,059 SH   SOLE NONE 6,059 0 0
COCA COLA CO COM 191216100 2,228 37,630 SH   SOLE NONE 37,630 0 0
COMCAST CORP NEW CL A 20030N101 1,263 25,090 SH   SOLE NONE 25,090 0 0
CONOCOPHILLIPS COM 20825C104 3,424 47,439 SH   SOLE NONE 47,439 0 0
CONSTELLATION BRANDS INC CL A 21036P108 864 3,443 SH   SOLE NONE 3,443 0 0
COSTCO WHSL CORP NEW COM 22160K105 1,196 2,107 SH   SOLE NONE 2,107 0 0
CSX CORP COM 126408103 3,098 82,396 SH   SOLE NONE 82,396 0 0
CVS HEALTH CORP COM 126650100 3,654 35,417 SH   SOLE NONE 35,417 0 0
DEERE & CO COM 244199105 787 2,295 SH   SOLE NONE 2,295 0 0
DIGITAL RLTY TR INC COM 253868103 2,468 13,952 SH   SOLE NONE 13,952 0 0
DISNEY WALT CO COM 254687106 1,184 7,647 SH   SOLE NONE 7,647 0 0
EATON CORP PLC SHS G29183103 1,491 8,625 SH   SOLE NONE 8,625 0 0
GENERAL DYNAMICS CORP COM 369550108 655 3,141 SH   SOLE NONE 3,141 0 0
GENERAL MLS INC COM 370334104 1,783 26,455 SH   SOLE NONE 26,455 0 0
GOLD TR ISHARES NEW 464285204 8,847 254,143 SH   SOLE NONE 254,143 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 371 969 SH   SOLE NONE 969 0 0
HOME DEPOT INC COM 437076102 2,943 7,092 SH   SOLE NONE 7,092 0 0
HONEYWELL INTL INC COM 438516106 2,498 11,979 SH   SOLE NONE 11,979 0 0
HOTH THERAPEUTICS INC COM 44148G105 13 20,000 SH   SOLE NONE 20,000 0 0
INTEL CORP COM 458140100 3,792 73,640 SH   SOLE NONE 73,640 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,975 14,780 SH   SOLE NONE 14,780 0 0
INTERNATIONAL FLAVORS&FRAGRA COM 459506101 226 1,500 SH   SOLE NONE 1,500 0 0
ISHARES TR GL CLEAN ENE ETF 464288224 506 23,915 SH   SOLE NONE 23,915 0 0
JOHNSON & JOHNSON COM 478160104 4,168 24,365 SH   SOLE NONE 24,365 0 0
JPMORGAN CHASE & CO COM 46625H100 4,190 26,459 SH   SOLE NONE 26,459 0 0
LILLY ELI & CO COM 532457108 3,396 12,295 SH   SOLE NONE 12,295 0 0
LOCKHEED MARTIN CORP COM 539830109 1,233 3,468 SH   SOLE NONE 3,468 0 0
MCDONALDS CORP COM 580135101 2,006 7,483 SH   SOLE NONE 7,483 0 0
MEDTRONIC PLC SHS G5960L103 1,496 14,457 SH   SOLE NONE 14,457 0 0
MERCK & CO INC COM 58933Y105 1,572 20,510 SH   SOLE NONE 20,510 0 0
MICROSOFT CORP COM 594918104 8,863 26,352 SH   SOLE NONE 26,352 0 0
MONDELEZ INTL INC CL A 609207105 627 9,462 SH   SOLE NONE 9,462 0 0
NEXTERA ENERGY INC COM 65339F101 3,395 36,363 SH   SOLE NONE 36,363 0 0
NIKE INC CL B 654106103 350 2,100 SH   SOLE NONE 2,100 0 0
NORFOLK SOUTHN CORP COM 655844108 701 2,355 SH   SOLE NONE 2,355 0 0
NORTHROP GRUMMAN CORP COM 666807102 1,166 3,013 SH   SOLE NONE 3,013 0 0
NOVO-NORDISK A S ADR 670100205 2,016 18,000 SH   SOLE NONE 18,000 0 0
NVIDIA CORPORATION COM 67066G104 353 1,200 SH   SOLE NONE 1,200 0 0
ORACLE CORP COM 68389X105 3,818 43,782 SH   SOLE NONE 43,782 0 0
PEPSICO INC COM 713448108 2,473 14,235 SH   SOLE NONE 14,235 0 0
PFIZER INC COM 717081103 5,603 94,878 SH   SOLE NONE 94,878 0 0
PROCTER AND GAMBLE CO COM 742718109 3,250 19,865 SH   SOLE NONE 19,865 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 509 5,913 SH   SOLE NONE 5,913 0 0
SCHWAB CHARLES CORP COM 808513105 1,756 20,875 SH   SOLE NONE 20,875 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,400 8,549 SH   SOLE NONE 8,549 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 1,250 15,465 SH   SOLE NONE 15,465 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 8,226 211,628 SH   SOLE NONE 211,628 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 832 15,430 SH   SOLE NONE 15,430 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 512 10,061 SH   SOLE NONE 10,061 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 9,167 145,759 SH   SOLE NONE 145,759 0 0
STARBUCKS CORP COM 855244109 1,205 10,304 SH   SOLE NONE 10,304 0 0
T-MOBILE US INC COM 872590104 1,714 14,776 SH   SOLE NONE 14,776 0 0
UNILEVER PLC SPON ADR NEW 904767704 1,265 23,522 SH   SOLE NONE 23,522 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,813 5,602 SH   SOLE NONE 5,602 0 0
US BANCORP DEL COM NEW 902973304 654 11,640 SH   SOLE NONE 11,640 0 0
VERISK ANALYTICS INC COM 92345Y106 457 2,000 SH   SOLE NONE 2,000 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 3,303 63,563 SH   SOLE NONE 63,563 0 0
VISA INC COM CL A 92826C839 3,736 17,240 SH   SOLE NONE 17,240 0 0
WALMART INC COM 931142103 4,489 31,022 SH   SOLE NONE 31,022 0 0
WASTE MGMT INC DEL COM 94106L109 2,973 17,815 SH   SOLE NONE 17,815 0 0
ZOETIS INC CL A 98978V103 366 1,500 SH   SOLE NONE 1,500 0 0