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 491 2,764 SH   SOLE   0 0 2,764
ABBOTT LABS COM 002824100 367 2,605 SH   SOLE   0 0 2,605
AFLAC INC COM 001055102 234 4,000 SH   SOLE   0 0 4,000
ALPHABET INC CAP STK CL A 02079K305 469 162 SH   SOLE   0 0 162
ALPHABET INC CAP STK CL C 02079K107 1,103 381 SH   SOLE   0 0 381
ALTRIA GROUP INC COM 02209S103 527 11,116 SH   SOLE   0 0 11,116
AMAZON COM INC COM 023135106 837 251 SH   SOLE   0 0 251
AMEREN CORP COM 023608102 234 2,628 SH   SOLE   0 0 2,628
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 229 3,781 SH   SOLE   0 0 3,781
APPLE INC COM 037833100 1,997 11,248 SH   SOLE   0 0 11,248
ARCHER DANIELS MIDLAND CO COM 039483102 390 5,776 SH   SOLE   0 0 5,776
AT&T INC COM 00206R102 586 23,835 SH   SOLE   0 0 23,835
BLACKROCK INC COM 09247X101 325 355 SH   SOLE   0 0 355
BP PLC SPONSORED ADR 055622104 357 13,401 SH   SOLE   0 0 13,401
CHEVRON CORP NEW COM 166764100 586 4,992 SH   SOLE   0 0 4,992
CLOROX CO DEL COM 189054109 1,106 6,345 SH   SOLE   0 0 6,345
COCA COLA CO COM 191216100 1,011 17,073 SH   SOLE   0 0 17,073
COLGATE PALMOLIVE CO COM 194162103 825 9,672 SH   SOLE   0 0 9,672
CONSOLIDATED EDISON INC COM 209115104 572 6,708 SH   SOLE   0 0 6,708
CVS HEALTH CORP COM 126650100 391 3,787 SH   SOLE   0 0 3,787
DARDEN RESTAURANTS INC COM 237194105 250 1,657 SH   SOLE   0 0 1,657
DEERE & CO COM 244199105 869 2,536 SH   SOLE   0 0 2,536
DOMINION ENERGY INC COM 25746U109 339 4,313 SH   SOLE   0 0 4,313
DUKE ENERGY CORP NEW COM NEW 26441C204 661 6,302 SH   SOLE   0 0 6,302
ENBRIDGE INC COM 29250N105 264 6,768 SH   SOLE   0 0 6,768
ENTERPRISE PRODS PARTNERS L COM 293792107 426 19,385 SH   SOLE   0 0 19,385
EXXON MOBIL CORP COM 30231G102 523 8,543 SH   SOLE   0 0 8,543
GENERAL MLS INC COM 370334104 1,000 14,844 SH   SOLE   0 0 14,844
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 400 9,069 SH   SOLE   0 0 9,069
HANESBRANDS INC COM 410345102 224 13,368 SH   SOLE   0 0 13,368
HOME DEPOT INC COM 437076102 402 968 SH   SOLE   0 0 968
INTEL CORP COM 458140100 868 16,861 SH   SOLE   0 0 16,861
INTERNATIONAL BUSINESS MACHS COM 459200101 202 1,512 SH   SOLE   0 0 1,512
INVESCO QQQ TR UNIT SER 1 46090E103 972 2,444 SH   SOLE   0 0 2,444
ISHARES TR 0-5YR HI YL CP 46434V407 4,743 104,692 SH   SOLE   0 0 104,692
ISHARES TR PFD AND INCM SEC 464288687 942 23,886 SH   SOLE   0 0 23,886
ISHARES TR ISHS 1-5YR INVS 464288646 3,821 70,918 SH   SOLE   0 0 70,918
ISHARES TR CORE DIV GRWTH 46434V621 5,518 99,274 SH   SOLE   0 0 99,274
JOHNSON & JOHNSON COM 478160104 1,690 9,881 SH   SOLE   0 0 9,881
JPMORGAN CHASE & CO COM 46625H100 816 5,156 SH   SOLE   0 0 5,156
KELLOGG CO COM 487836108 447 6,945 SH   SOLE   0 0 6,945
KIMBERLY-CLARK CORP COM 494368103 715 5,003 SH   SOLE   0 0 5,003
LEGGETT & PLATT INC COM 524660107 214 5,209 SH   SOLE   0 0 5,209
LILLY ELI & CO COM 532457108 1,105 4,001 SH   SOLE   0 0 4,001
LOCKHEED MARTIN CORP COM 539830109 1,709 4,807 SH   SOLE   0 0 4,807
LOWES COS INC COM 548661107 364 1,410 SH   SOLE   0 0 1,410
MCDONALDS CORP COM 580135101 1,842 6,871 SH   SOLE   0 0 6,871
MERCK & CO INC COM 58933Y105 218 2,848 SH   SOLE   0 0 2,848
MICROSOFT CORP COM 594918104 5,090 15,133 SH   SOLE   0 0 15,133
PAYCHEX INC COM 704326107 1,098 8,047 SH   SOLE   0 0 8,047
PEPSICO INC COM 713448108 1,296 7,463 SH   SOLE   0 0 7,463
PFIZER INC COM 717081103 757 12,817 SH   SOLE   0 0 12,817
PGIM ETF TR ACTV HY BD ETF 69344A206 556 13,713 SH   SOLE   0 0 13,713
PHILIP MORRIS INTL INC COM 718172109 436 4,593 SH   SOLE   0 0 4,593
PIMCO ETF TR INTER MUN BD ACT 72201R866 837 14,884 SH   SOLE   0 0 14,884
PROCTER AND GAMBLE CO COM 742718109 2,295 14,029 SH   SOLE   0 0 14,029
REALTY INCOME CORP COM 756109104 563 7,860 SH   SOLE   0 0 7,860
SALESFORCE COM INC COM 79466L302 241 948 SH   SOLE   0 0 948
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,762 122,522 SH   SOLE   0 0 122,522
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 9,044 167,788 SH   SOLE   0 0 167,788
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 7,498 92,756 SH   SOLE   0 0 92,756
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 19,450 170,880 SH   SOLE   0 0 170,880
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,209 19,597 SH   SOLE   0 0 19,597
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,853 35,478 SH   SOLE   0 0 35,478
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,848 27,815 SH   SOLE   0 0 27,815
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 317 10,714 SH   SOLE   0 0 10,714
SOUTHERN CO COM 842587107 1,039 15,154 SH   SOLE   0 0 15,154
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 450 1,238 SH   SOLE   0 0 1,238
SPDR S&P 500 ETF TR TR UNIT 78462F103 811 1,707 SH   SOLE   0 0 1,707
SPDR SER TR NUVEEN BLOOMBERG 78464A284 599 9,972 SH   SOLE   0 0 9,972
SPDR SER TR ICE PFD SEC ETF 78464A292 1,584 36,922 SH   SOLE   0 0 36,922
STARBUCKS CORP COM 855244109 725 6,196 SH   SOLE   0 0 6,196
SYSCO CORP COM 871829107 827 10,529 SH   SOLE   0 0 10,529
TARGET CORP COM 87612E106 2,015 8,708 SH   SOLE   0 0 8,708
TORONTO DOMINION BK ONT COM NEW 891160509 313 4,082 SH   SOLE   0 0 4,082
UNILEVER PLC SPON ADR NEW 904767704 611 11,357 SH   SOLE   0 0 11,357
UNITED PARCEL SERVICE INC CL B 911312106 695 3,244 SH   SOLE   0 0 3,244
US BANCORP DEL COM NEW 902973304 687 12,224 SH   SOLE   0 0 12,224
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,293 14,754 SH   SOLE   0 0 14,754
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,531 18,936 SH   SOLE   0 0 18,936
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,874 41,768 SH   SOLE   0 0 41,768
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,953 73,262 SH   SOLE   0 0 73,262
VERIZON COMMUNICATIONS INC COM 92343V104 518 9,975 SH   SOLE   0 0 9,975
WALGREENS BOOTS ALLIANCE INC COM 931427108 481 9,222 SH   SOLE   0 0 9,222
WALMART INC COM 931142103 1,852 12,798 SH   SOLE   0 0 12,798
WASTE MGMT INC DEL COM 94106L109 1,614 9,672 SH   SOLE   0 0 9,672
WELLS FARGO CO NEW COM 949746101 304 6,336 SH   SOLE   0 0 6,336
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,777 40,052 SH   SOLE   0 0 40,052
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,258 38,295 SH   SOLE   0 0 38,295
WISDOMTREE TR INTL LRGCAP DV 97717W794 3,351 67,818 SH   SOLE   0 0 67,818
WISDOMTREE TR US LARGECAP DIVD 97717W307 367 5,564 SH   SOLE   0 0 5,564