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
ABBVIE INC COM 00287Y109   791,154 4,895 SH   SOLE   0 0 4,895
AFLAC INC COM 001055102   216,785 3,013 SH   SOLE   0 0 3,013
ALPHABET INC CAP STK CL A 02079K305   425,881 4,827 SH   SOLE   0 0 4,827
AMAZON COM INC COM 023135106   271,491 3,232 SH   SOLE   0 0 3,232
AMCOR PLC ORD G0250X107   331,921 27,869 SH   SOLE   0 0 27,869
AMERICAN ELEC PWR CO INC COM 025537101   356,626 3,756 SH   SOLE   0 0 3,756
AMGEN INC COM 031162100   553,059 2,106 SH   SOLE   0 0 2,106
APPLE INC COM 037833100   4,070,139 31,326 SH   SOLE   0 0 31,326
ARCHER DANIELS MIDLAND CO COM 039483102   267,037 2,876 SH   SOLE   0 0 2,876
AT&T INC COM 00206R102   701,904 38,126 SH   SOLE   0 0 38,126
BCE INC COM NEW 05534B760   808,290 18,391 SH   SOLE   0 0 18,391
BRITISH AMERN TOB PLC SPONSORED ADR 110448107   1,031,545 25,802 SH   SOLE   0 0 25,802
CADENCE DESIGN SYSTEM INC COM 127387108   207,065 1,289 SH   SOLE   0 0 1,289
CANADIAN IMPERIAL BK COMM TO COM 136069101   304,784 7,535 SH   SOLE   0 0 7,535
CARRIER GLOBAL CORPORATION COM 14448C104   253,481 6,145 SH   SOLE   0 0 6,145
CATERPILLAR INC COM 149123101   356,897 1,490 SH   SOLE   0 0 1,490
CHUBB LIMITED COM H1467J104   225,980 1,024 SH   SOLE   0 0 1,024
CISCO SYS INC COM 17275R102   615,595 12,922 SH   SOLE   0 0 12,922
CLOROX CO DEL COM 189054109   459,516 3,275 SH   SOLE   0 0 3,275
CONAGRA BRANDS INC COM 205887102   400,146 10,340 SH   SOLE   0 0 10,340
CORNERSTONE STRATEGIC VALUE COM 21924B302   110,985 15,059 SH   SOLE   0 0 15,059
CORNING INC COM 219350105   222,526 6,967 SH   SOLE   0 0 6,967
CROWN CASTLE INC COM 22822V101   755,416 5,569 SH   SOLE   0 0 5,569
CVS HEALTH CORP COM 126650100   306,566 3,290 SH   SOLE   0 0 3,290
DEVON ENERGY CORP NEW COM 25179M103   255,740 4,158 SH   SOLE   0 0 4,158
DIGITAL RLTY TR INC COM 253868103   451,710 4,505 SH   SOLE   0 0 4,505
DOMINION ENERGY INC COM 25746U109   637,644 10,399 SH   SOLE   0 0 10,399
DUKE ENERGY CORP NEW COM NEW 26441C204   926,617 8,997 SH   SOLE   0 0 8,997
ENBRIDGE INC COM 29250N105   852,558 21,805 SH   SOLE   0 0 21,805
GENERAL MLS INC COM 370334104   295,393 3,523 SH   SOLE   0 0 3,523
GILEAD SCIENCES INC COM 375558103   1,448,519 16,873 SH   SOLE   0 0 16,873
HUNTINGTON BANCSHARES INC COM 446150104   610,565 43,303 SH   SOLE   0 0 43,303
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   311,927 15,227 SH   SOLE   0 0 15,227
IRIDIUM COMMUNICATIONS INC COM 46269C102   200,460 3,900 SH   SOLE   0 0 3,900
ISHARES TR 0-5YR HI YL CP 46434V407   2,057,857 50,327 SH   SOLE   0 0 50,327
ISHARES TR 1 3 YR TREAS BD 464287457   5,679,546 69,971 SH   SOLE   0 0 69,971
ISHARES TR 20 YR TR BD ETF 464287432   364,091 3,657 SH   SOLE   0 0 3,657
ISHARES TR FLTG RATE NT ETF 46429B655   352,763 7,009 SH   SOLE   0 0 7,009
ISHARES TR NATIONAL MUN ETF 464288414   453,103 4,294 SH   SOLE   0 0 4,294
ISHARES TR US TREAS BD ETF 46429B267   5,631,889 247,882 SH   SOLE   0 0 247,882
ISHARES TR MSCI USA MMENTM 46432F396   959,272 6,574 SH   SOLE   0 0 6,574
ISHARES TR MSCI USA MIN VOL 46429B697   1,145,144 15,883 SH   SOLE   0 0 15,883
ISHARES TR IBOXX INV CP ETF 464287242   3,662,074 34,735 SH   SOLE   0 0 34,735
ISHARES TR ISHS 1-5YR INVS 464288646   6,850,568 137,506 SH   SOLE   0 0 137,506
ISHARES TR ISHS 5-10YR INVT 464288638   1,100,783 22,234 SH   SOLE   0 0 22,234
ISHARES TR IBOXX HI YD ETF 464288513   291,428 3,958 SH   SOLE   0 0 3,958
ISHARES TR USD INV GRDE ETF 464288620   2,592,276 52,785 SH   SOLE   0 0 52,785
ISHARES TR 0-5YR INVT GR CP 46434V100   827,643 17,293 SH   SOLE   0 0 17,293
ISHARES TR 3 7 YR TREAS BD 464288661   957,684 8,336 SH   SOLE   0 0 8,336
ISHARES TR S&P 500 GRWT ETF 464287309   220,783 3,774 SH   SOLE   0 0 3,774
ISHARES TR S&P 500 VAL ETF 464287408   358,851 2,474 SH   SOLE   0 0 2,474
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   1,160,911 23,158 SH   SOLE   0 0 23,158
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   424,375 8,615 SH   SOLE   0 0 8,615
JOHNSON & JOHNSON COM 478160104   324,683 1,838 SH   SOLE   0 0 1,838
JPMORGAN CHASE & CO COM 46625H100   594,965 4,437 SH   SOLE   0 0 4,437
KEYCORP COM 493267108   410,330 23,555 SH   SOLE   0 0 23,555
KIMBERLY-CLARK CORP COM 494368103   728,709 5,368 SH   SOLE   0 0 5,368
LILLY ELI & CO COM 532457108   212,386 581 SH   SOLE   0 0 581
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100   238,982 2,878 SH   SOLE   0 0 2,878
MARSH & MCLENNAN COS INC COM 571748102   266,037 1,608 SH   SOLE   0 0 1,608
MEDTRONIC PLC SHS G5960L103   342,901 4,412 SH   SOLE   0 0 4,412
MERCK & CO INC COM 58933Y105   509,897 4,596 SH   SOLE   0 0 4,596
META PLATFORMS INC CL A 30303M102   200,607 1,667 SH   SOLE   0 0 1,667
METLIFE INC COM 59156R108   304,520 4,208 SH   SOLE   0 0 4,208
MICROSOFT CORP COM 594918104   1,083,371 4,517 SH   SOLE   0 0 4,517
NATIONAL GRID PLC SPONSORED ADR NE 636274409   543,296 9,007 SH   SOLE   0 0 9,007
NEXTERA ENERGY INC COM 65339F101   2,659,300 31,810 SH   SOLE   0 0 31,810
NORTHROP GRUMMAN CORP COM 666807102   491,049 900 SH   SOLE   0 0 900
PFIZER INC COM 717081103   956,453 18,666 SH   SOLE   0 0 18,666
PHILIP MORRIS INTL INC COM 718172109   1,026,911 10,146 SH   SOLE   0 0 10,146
PNC FINL SVCS GROUP INC COM 693475105   580,427 3,675 SH   SOLE   0 0 3,675
PPL CORP COM 69351T106   441,716 15,117 SH   SOLE   0 0 15,117
PROCTER AND GAMBLE CO COM 742718109   1,369,354 9,035 SH   SOLE   0 0 9,035
QUALCOMM INC COM 747525103   440,930 4,011 SH   SOLE   0 0 4,011
RAYTHEON TECHNOLOGIES CORP COM 75513E101   595,125 5,897 SH   SOLE   0 0 5,897
REALTY INCOME CORP COM 756109104   364,195 5,742 SH   SOLE   0 0 5,742
SOUTHERN CO COM 842587107   791,692 11,087 SH   SOLE   0 0 11,087
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   256,967 8,655 SH   SOLE   0 0 8,655
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   604,617 6,610 SH   SOLE   0 0 6,610
SPDR SER TR PORTFOLIO SHORT 78464A474   387,581 13,192 SH   SOLE   0 0 13,192
SPDR SER TR PORTFOLIO S&P500 78464A854   451,084 10,029 SH   SOLE   0 0 10,029
SPDR SER TR BLOOMBERG INVT 78468R200   529,120 17,411 SH   SOLE   0 0 17,411
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   281,962 7,042 SH   SOLE   0 0 7,042
TC ENERGY CORP COM 87807B107   400,674 10,052 SH   SOLE   0 0 10,052
TOTALENERGIES SE SPONSORED ADS 89151E109   1,008,490 16,245 SH   SOLE   0 0 16,245
TRUIST FINL CORP COM 89832Q109   479,380 11,141 SH   SOLE   0 0 11,141
UNILEVER PLC SPON ADR NEW 904767704   409,907 8,141 SH   SOLE   0 0 8,141
UNITED PARCEL SERVICE INC CL B 911312106   231,960 1,334 SH   SOLE   0 0 1,334
US BANCORP DEL COM NEW 902973304   498,583 11,433 SH   SOLE   0 0 11,433
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   393,742 5,435 SH   SOLE   0 0 5,435
VANGUARD BD INDEX FDS INTERMED TERM 921937819   423,300 5,696 SH   SOLE   0 0 5,696
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   906,745 12,045 SH   SOLE   0 0 12,045
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,085,801 22,893 SH   SOLE   0 0 22,893
VANGUARD INDEX FDS GROWTH ETF 922908736   534,235 2,507 SH   SOLE   0 0 2,507
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,577,283 8,774 SH   SOLE   0 0 8,774
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   1,755,548 12,981 SH   SOLE   0 0 12,981
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   345,719 984 SH   SOLE   0 0 984
VANGUARD INDEX FDS SML CP GRW ETF 922908595   826,326 4,121 SH   SOLE   0 0 4,121
VANGUARD INDEX FDS SM CP VAL ETF 922908611   2,143,547 13,498 SH   SOLE   0 0 13,498
VANGUARD INDEX FDS VALUE ETF 922908744   594,797 4,237 SH   SOLE   0 0 4,237
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   207,738 5,329 SH   SOLE   0 0 5,329
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   700,490 14,997 SH   SOLE   0 0 14,997
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   4,482,045 98,463 SH   SOLE   0 0 98,463
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   405,565 5,394 SH   SOLE   0 0 5,394
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   642,814 15,316 SH   SOLE   0 0 15,316
VANGUARD WORLD FD MEGA GRWTH IND 921910816   5,570,013 32,371 SH   SOLE   0 0 32,371
VANGUARD WORLD FD MEGA CAP VAL ETF 921910840   5,759,063 55,995 SH   SOLE   0 0 55,995
VERIZON COMMUNICATIONS INC COM 92343V104   1,127,886 28,627 SH   SOLE   0 0 28,627
VODAFONE GROUP PLC NEW SPONSORED ADR 92857W308   462,496 45,701 SH   SOLE   0 0 45,701
WALGREENS BOOTS ALLIANCE INC COM 931427108   452,731 12,118 SH   SOLE   0 0 12,118
WILLIAMS COS INC COM 969457100   775,475 23,571 SH   SOLE   0 0 23,571