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
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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
AFLAC INC COM 001055102   208,914 2,904 SH   SOLE   0 0 2,904
AT&T INC COM 00206R102   4,065,278 220,819 SH   SOLE   0 0 220,819
ABBOTT LABS COM 002824100   2,878,945 26,222 SH   SOLE   0 0 26,222
AIR PRODS & CHEMS INC COM 009158106   2,024,523 6,568 SH   SOLE   0 0 6,567
ALPHABET INC CAP STK CL C 02079K107   1,334,499 15,040 SH   SOLE   0 0 15,040
AMERICAN ELEC PWR CO INC COM 025537101   401,259 4,226 SH   SOLE   0 0 4,226
AMERICAN TOWER CORP NEW COM 03027X100   1,923,480 9,079 SH   SOLE   0 0 9,079
AMERICAN WTR WKS CO INC NEW COM 030420103   1,597,797 10,483 SH   SOLE   0 0 10,482
AMGEN INC COM 031162100   249,012 948 SH   SOLE   0 0 948
ANALOG DEVICES INC COM 032654105   2,421,043 14,760 SH   SOLE   0 0 14,759
APPLE INC COM 037833100   3,818,744 29,391 SH   SOLE   0 0 29,390
AUTOMATIC DATA PROCESSING IN COM 053015103   1,720,904 7,205 SH   SOLE   0 0 7,204
BECTON DICKINSON & CO COM 075887109   2,227,897 8,761 SH   SOLE   0 0 8,760
BLACKSTONE INC COM 09260D107   2,074,567 27,963 SH   SOLE   0 0 27,962
BOEING CO COM 097023105   225,540 1,184 SH   SOLE   0 0 1,184
CVS HEALTH CORP COM 126650100   1,908,888 20,484 SH   SOLE   0 0 20,483
CISCO SYS INC COM 17275R102   2,249,756 47,224 SH   SOLE   0 0 47,224
COLGATE PALMOLIVE CO COM 194162103   2,247,146 28,521 SH   SOLE   0 0 28,520
CONSTELLATION BRANDS INC CL A 21036P108   1,966,335 8,485 SH   SOLE   0 0 8,484
COSTCO WHSL CORP NEW COM 22160K105   1,989,201 4,358 SH   SOLE   0 0 4,357
DEERE & CO COM 244199105   2,480,426 5,785 SH   SOLE   0 0 5,785
DUKE ENERGY CORP NEW COM NEW 26441C204   680,980 6,612 SH   SOLE   0 0 6,612
ECOLAB INC COM 278865100   1,689,609 11,608 SH   SOLE   0 0 11,607
EMERSON ELEC CO COM 291011104   2,409,592 25,084 SH   SOLE   0 0 25,084
EVERSOURCE ENERGY COM 30040W108   1,908,421 22,763 SH   SOLE   0 0 22,762
EXXON MOBIL CORP COM 30231G102   2,502,973 22,692 SH   SOLE   0 0 22,692
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   407,086 8,520 SH   SOLE   0 0 8,520
FREEPORT-MCMORAN INC CL B 35671D857   3,611,366 95,036 SH   SOLE   0 0 95,035
GENERAL DYNAMICS CORP COM 369550108   2,966,142 11,955 SH   SOLE   0 0 11,954
GRANITESHARES ETF TR BBG COMMD K 1 38747R108   572,919 25,474 SH   SOLE   0 0 25,474
HOME DEPOT INC COM 437076102   2,070,273 6,554 SH   SOLE   0 0 6,554
INTERNATIONAL BUSINESS MACHS COM 459200101   843,970 5,990 SH   SOLE   0 0 5,990
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   1,553,729 24,315 SH   SOLE   0 0 24,315
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783   348,130 18,327 SH   SOLE   0 0 18,327
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791   5,038,743 266,248 SH   SOLE   0 0 266,248
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825   7,074,548 351,269 SH   SOLE   0 0 351,268
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841   8,460,425 413,004 SH   SOLE   0 0 413,003
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866   8,290,831 395,178 SH   SOLE   0 0 395,177
ISHARES TR CORE MSCI EAFE 46432F842   8,942,936 145,083 SH   SOLE   0 0 145,083
ISHARES TR MSCI INTL QUALTY 46434V456   5,234,117 161,597 SH   SOLE   0 0 161,596
ISHARES TR IBONDS DEC2023 46435G318   564,899 22,284 SH   SOLE   0 0 22,284
ISHARES TR IBONDS DEC 25 46435U432   572,598 21,714 SH   SOLE   0 0 21,714
ISHARES TR IBONDS DEC 46435U697   822,944 31,959 SH   SOLE   0 0 31,959
JPMORGAN CHASE & CO COM 46625H100   2,456,728 18,320 SH   SOLE   0 0 18,320
JOHNSON & JOHNSON COM 478160104   2,331,441 13,198 SH   SOLE   0 0 13,198
KINDER MORGAN INC DEL COM 49456B101   4,658,766 257,675 SH   SOLE   0 0 257,675
KRANESHARES TR QUADRTC INT RT 500767736   6,016,757 266,110 SH   SOLE   0 0 266,110
M & T BK CORP COM 55261F104   210,675 1,452 SH   SOLE   0 0 1,452
MCDONALDS CORP COM 580135101   2,299,792 8,727 SH   SOLE   0 0 8,726
MERCK & CO INC COM 58933Y105   810,928 7,309 SH   SOLE   0 0 7,308
MICROSOFT CORP COM 594918104   3,844,919 16,033 SH   SOLE   0 0 16,032
MONDELEZ INTL INC CL A 609207105   337,011 5,056 SH   SOLE   0 0 5,056
NEXTERA ENERGY INC COM 65339F101   274,877 3,288 SH   SOLE   0 0 3,288
PEPSICO INC COM 713448108   2,570,346 14,228 SH   SOLE   0 0 14,227
PFIZER INC COM 717081103   529,592 10,336 SH   SOLE   0 0 10,335
PROCTER AND GAMBLE CO COM 742718109   368,890 2,434 SH   SOLE   0 0 2,433
PROSHARES TR SHORT S&P 500 NE 74347B425   208,390 13,000 SH   SOLE   0 0 13,000
RAYTHEON TECHNOLOGIES CORP COM 75513E101   2,610,371 25,866 SH   SOLE   0 0 25,865
SPDR GOLD TR GOLD SHS 78463V107   13,215,160 77,901 SH   SOLE   0 0 77,901
STRYKER CORPORATION COM 863667101   2,221,416 9,086 SH   SOLE   0 0 9,085
TEXAS INSTRS INC COM 882508104   1,426,290 8,633 SH   SOLE   0 0 8,632
3M CO COM 88579Y101   1,669,414 13,921 SH   SOLE   0 0 13,921
UNITED PARCEL SERVICE INC CL B 911312106   2,193,918 12,620 SH   SOLE   0 0 12,620
UNITEDHEALTH GROUP INC COM 91324P102   1,889,183 3,563 SH   SOLE   0 0 3,563
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,072,318 9,910 SH   SOLE   0 0 9,909
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,489,669 30,185 SH   SOLE   0 0 30,185
VANGUARD INDEX FDS MID CAP ETF 922908629   5,269,254 25,854 SH   SOLE   0 0 25,853
VERIZON COMMUNICATIONS INC COM 92343V104   257,629 6,539 SH   SOLE   0 0 6,538
VISA INC COM CL A 92826C839   2,267,415 10,914 SH   SOLE   0 0 10,913
WALMART INC COM 931142103   2,495,913 17,603 SH   SOLE   0 0 17,602
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   1,447,644 5,425 SH   SOLE   0 0 5,425
EATON CORP PLC SHS G29183103   2,415,976 15,393 SH   SOLE   0 0 15,393
LINDE PLC SHS G5494J103   266,815 818 SH   SOLE   0 0 818
CHUBB LIMITED COM H1467J104   2,414,529 10,945 SH   SOLE   0 0 10,945