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 609 4,708 SH   SOLE   0 0 4,708
ABBOTT LABS COM 002824100 795 7,318 SH   SOLE   0 0 7,318
ABBVIE INC COM 00287Y109 1,190 7,771 SH   SOLE   0 0 7,771
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 907 3,268 SH   SOLE   0 0 3,268
ALTRIA GROUP INC COM 02209S103 758 18,146 SH   SOLE   0 0 18,146
AMGEN INC COM 031162100 1,002 4,117 SH   SOLE   0 0 4,117
ANALOG DEVICES INC COM 032654105 832 5,694 SH   SOLE   0 0 5,694
APPLE INC COM 037833100 394 2,879 SH   SOLE   0 0 2,879
BHP GROUP LTD SPONSORED ADS 088606108 556 9,902 SH   SOLE   0 0 9,902
BLOCK H & R INC COM 093671105 880 24,929 SH   SOLE   0 0 24,929
BRISTOL-MYERS SQUIBB CO COM 110122108 1,218 15,815 SH   SOLE   0 0 15,815
CHOICE HOTELS INTL INC COM 169905106 813 7,285 SH   SOLE   0 0 7,285
COCA COLA CO COM 191216100 1,083 17,208 SH   SOLE   0 0 17,208
COLGATE PALMOLIVE CO COM 194162103 853 10,648 SH   SOLE   0 0 10,648
DIAGEO PLC SPON ADR NEW 25243Q205 891 5,115 SH   SOLE   0 0 5,115
GILEAD SCIENCES INC COM 375558103 824 13,339 SH   SOLE   0 0 13,339
GSK PLC SPONSORED ADR 37733W105 983 22,584 SH   SOLE   0 0 22,584
HOME DEPOT INC COM 437076102 889 3,243 SH   SOLE   0 0 3,243
INTEL CORP COM 458140100 657 17,558 SH   SOLE   0 0 17,558
INTERNATIONAL BUSINESS MACHS COM 459200101 1,105 7,829 SH   SOLE   0 0 7,829
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 26 46138J635 2,318 104,389 SH   SOLE   0 0 104,389
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 HY 46138J833 2,453 112,569 SH   SOLE   0 0 112,569
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 HY 46138J817 2,408 109,682 SH   SOLE   0 0 109,682
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 HY 46138J858 2,892 126,050 SH   SOLE   0 0 126,050
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,462 68,972 SH   SOLE   0 0 68,972
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 1,368 65,291 SH   SOLE   0 0 65,291
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 1,399 67,433 SH   SOLE   0 0 67,433
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 HY 46138J874 4,434 201,081 SH   SOLE   0 0 201,081
ISHARES TR CORE S&P SCP ETF 464287804 2,341 25,330 SH   SOLE   0 0 25,330
ISHARES TR CORE S&P MCP ETF 464287507 6,376 28,185 SH   SOLE   0 0 28,185
JOHNSON & JOHNSON COM 478160104 998 5,625 SH   SOLE   0 0 5,625
KELLOGG CO COM 487836108 964 13,518 SH   SOLE   0 0 13,518
KIMBERLY-CLARK CORP COM 494368103 777 5,752 SH   SOLE   0 0 5,752
LILLY ELI & CO COM 532457108 1,441 4,443 SH   SOLE   0 0 4,443
LOCKHEED MARTIN CORP COM 539830109 1,074 2,498 SH   SOLE   0 0 2,498
LYONDELLBASELL INDUSTRIES N SHS - A - N53745100 836 9,556 SH   SOLE   0 0 9,556
MCDONALDS CORP COM 580135101 1,001 4,055 SH   SOLE   0 0 4,055
MERCK & CO INC COM 58933Y105 969 10,630 SH   SOLE   0 0 10,630
MICROSOFT CORP COM 594918104 813 3,165 SH   SOLE   0 0 3,165
NOVO-NORDISK A S ADR 670100205 1,048 9,403 SH   SOLE   0 0 9,403
OPTICAL CABLE CORP COM NEW 683827208 65 18,000 SH   SOLE   0 0 18,000
PAYCHEX INC COM 704326107 939 8,250 SH   SOLE   0 0 8,250
PEPSICO INC COM 713448108 1,035 6,212 SH   SOLE   0 0 6,212
PFIZER INC COM 717081103 1,209 23,066 SH   SOLE   0 0 23,066
PHILIP MORRIS INTL INC COM 718172109 988 10,008 SH   SOLE   0 0 10,008
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 232 2,415 SH   SOLE   0 0 2,415
QUALCOMM INC COM 747525103 814 6,374 SH   SOLE   0 0 6,374
SEAGATE TECHNOLOGY HLDNGS PL ORD SHS G7997R103 748 10,466 SH   SOLE   0 0 10,466
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 912 12,397 SH   SOLE   0 0 12,397
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 937 13,365 SH   SOLE   0 0 13,365
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 2,327 32,237 SH   SOLE   0 0 32,237
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 4,093 130,128 SH   SOLE   0 0 130,128
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 770 18,854 SH   SOLE   0 0 18,854
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 2,602 47,946 SH   SOLE   0 0 47,946
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 2,548 29,177 SH   SOLE   0 0 29,177
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 7,657 60,231 SH   SOLE   0 0 60,231
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,382 19,331 SH   SOLE   0 0 19,331
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 3,174 23,084 SH   SOLE   0 0 23,084
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 4,640 36,183 SH   SOLE   0 0 36,183
SPDR SER TR PRTFLO S&P500 GW 78464A409 440 8,410 SH   SOLE   0 0 8,410
SPDR SER TR PRTFLO S&P500 VL 78464A508 465 12,620 SH   SOLE   0 0 12,620
TEXAS INSTRS INC COM 882508104 833 5,421 SH   SOLE   0 0 5,421
UNILEVER PLC SPON ADR NEW 904767704 840 18,339 SH   SOLE   0 0 18,339
UNITED PARCEL SERVICE INC CL B 911312106 875 4,796 SH   SOLE   0 0 4,796
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 240 2,633 SH   SOLE   0 0 2,633
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 865 3,803 SH   SOLE   0 0 3,803
VANGUARD WORLD FDS MATERIALS ETF 92204A801 209 1,302 SH   SOLE   0 0 1,302
VANGUARD WORLD FDS UTILITIES ETF 92204A876 217 1,423 SH   SOLE   0 0 1,423
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 1,335 5,670 SH   SOLE   0 0 5,670
VANGUARD WORLD FDS ENERGY ETF 92204A306 283 2,842 SH   SOLE   0 0 2,842
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603 804 4,921 SH   SOLE   0 0 4,921
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,000 6,125 SH   SOLE   0 0 6,125
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 1,080 13,986 SH   SOLE   0 0 13,986
VANGUARD WORLD FDS COMM SRVC ETF 92204A884 829 8,816 SH   SOLE   0 0 8,816
VANGUARD WORLD FDS CONSUM STP ETF 92204A207 576 3,107 SH   SOLE   0 0 3,107
VERIZON COMMUNICATIONS INC COM 92343V104 849 16,727 SH   SOLE   0 0 16,727
YUM BRANDS INC COM 988498101 874 7,697 SH   SOLE   0 0 7,697