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 465 3,126 SH   SOLE   0 0 3,126
ABBOTT LABS COM 002824100 309 2,612 SH   SOLE   0 0 2,612
ADOBE SYSTEMS INCORPORATED COM 00724F101 259 569 SH   SOLE   0 0 569
AFLAC INC COM 001055102 258 4,012 SH   SOLE   0 0 4,012
ALPHABET INC CAP STK CL A 02079K305 451 162 SH   SOLE   0 0 162
ALPHABET INC CAP STK CL C 02079K107 1,064 381 SH   SOLE   0 0 381
ALTRIA GROUP INC COM 02209S103 587 11,235 SH   SOLE   0 0 11,235
AMAZON COM INC COM 023135106 897 275 SH   SOLE   0 0 275
AMEREN CORP COM 023608102 247 2,637 SH   SOLE   0 0 2,637
ANHEUSER BUSCH INBEV SA/NV SPONSORED ADR 03524A108 227 3,781 SH   SOLE   0 0 3,781
APPLE INC COM 037833100 2,072 11,865 SH   SOLE   0 0 11,865
ARCHER DANIELS MIDLAND CO COM 039483102 528 5,846 SH   SOLE   0 0 5,846
AT&T INC COM 00206R102 586 24,786 SH   SOLE   0 0 24,786
BLACKROCK INC COM 09247X101 373 488 SH   SOLE   0 0 488
BP PLC SPONSORED ADR 055622104 398 13,535 SH   SOLE   0 0 13,535
CHEVRON CORP NEW COM 166764100 817 5,017 SH   SOLE   0 0 5,017
CLOROX CO DEL COM 189054109 934 6,716 SH   SOLE   0 0 6,716
COCA COLA CO COM 191216100 1,077 17,378 SH   SOLE   0 0 17,378
COLGATE PALMOLIVE CO COM 194162103 736 9,711 SH   SOLE   0 0 9,711
CONSOLIDATED EDISON INC COM 209115104 639 6,744 SH   SOLE   0 0 6,744
CVS HEALTH CORP COM 126650100 385 3,801 SH   SOLE   0 0 3,801
DARDEN RESTAURANTS INC COM 237194105 222 1,666 SH   SOLE   0 0 1,666
DEERE & CO COM 244199105 1,093 2,632 SH   SOLE   0 0 2,632
DOMINION ENERGY INC COM 25746U109 369 4,339 SH   SOLE   0 0 4,339
DUKE ENERGY CORP NEW COM NEW 26441C204 724 6,486 SH   SOLE   0 0 6,486
ENBRIDGE INC COM 29250N105 316 6,853 SH   SOLE   0 0 6,853
ENTERPRISE PRODS PARTNERS L COM 293792107 508 19,668 SH   SOLE   0 0 19,668
EXXON MOBIL CORP COM 30231G102 743 8,997 SH   SOLE   0 0 8,997
GENERAL MLS INC COM 370334104 1,025 15,139 SH   SOLE   0 0 15,139
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 398 9,132 SH   SOLE   0 0 9,132
HANESBRANDS INC COM 410345102 294 19,752 SH   SOLE   0 0 19,752
HOME DEPOT INC COM 437076102 314 1,049 SH   SOLE   0 0 1,049
INTEL CORP COM 458140100 876 17,684 SH   SOLE   0 0 17,684
INVESCO QQQ TR UNIT SER 1 46090E103 886 2,444 SH   SOLE   0 0 2,444
ISHARES TR 0-5YR HI YL CP 46434V407 6,112 139,038 SH   SOLE   0 0 139,038
ISHARES TR PFD AND INCM SEC 464288687 862 23,666 SH   SOLE   0 0 23,666
ISHARES TR ISHS 1-5YR INVS 464288646 7,192 139,057 SH   SOLE   0 0 139,057
ISHARES TR CORE DIV GRWTH 46434V621 6,275 117,483 SH   SOLE   0 0 117,483
JOHNSON & JOHNSON COM 478160104 1,778 10,034 SH   SOLE   0 0 10,034
JPMORGAN CHASE & CO COM 46625H100 726 5,323 SH   SOLE   0 0 5,323
KELLOGG CO COM 487836108 467 7,237 SH   SOLE   0 0 7,237
KIMBERLY-CLARK CORP COM 494368103 629 5,107 SH   SOLE   0 0 5,107
LILLY ELI & CO COM 532457108 1,144 3,996 SH   SOLE   0 0 3,996
LOCKHEED MARTIN CORP COM 539830109 2,152 4,875 SH   SOLE   0 0 4,875
LOWES COS INC COM 548661107 285 1,412 SH   SOLE   0 0 1,412
MCDONALDS CORP COM 580135101 1,721 6,959 SH   SOLE   0 0 6,959
MERCK & CO INC COM 58933Y105 245 2,983 SH   SOLE   0 0 2,983
MICROSOFT CORP COM 594918104 4,695 15,228 SH   SOLE   0 0 15,228
PAYCHEX INC COM 704326107 1,141 8,358 SH   SOLE   0 0 8,358
PEPSICO INC COM 713448108 1,257 7,508 SH   SOLE   0 0 7,508
PFIZER INC COM 717081103 675 13,041 SH   SOLE   0 0 13,041
PGIM ETF TR ACTV HY BD ETF 69344A206 524 13,729 SH   SOLE   0 0 13,729
PHILIP MORRIS INTL INC COM 718172109 435 4,626 SH   SOLE   0 0 4,626
PIMCO ETF TR INTER MUN BD ACT 72201R866 789 14,892 SH   SOLE   0 0 14,892
PROCTER AND GAMBLE CO COM 742718109 2,183 14,289 SH   SOLE   0 0 14,289
REALTY INCOME CORP COM 756109104 559 8,060 SH   SOLE   0 0 8,060
SALESFORCE COM INC COM 79466L302 334 1,575 SH   SOLE   0 0 1,575
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,960 135,071 SH   SOLE   0 0 135,071
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,237 104,411 SH   SOLE   0 0 104,411
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 801 15,837 SH   SOLE   0 0 15,837
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 301 10,857 SH   SOLE   0 0 10,857
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 19,399 360,234 SH   SOLE   0 0 360,234
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 3,337 44,596 SH   SOLE   0 0 44,596
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,960 39,025 SH   SOLE   0 0 39,025
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,020 63,765 SH   SOLE   0 0 63,765
SOUTHERN CO COM 842587107 1,122 15,474 SH   SOLE   0 0 15,474
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 429 1,238 SH   SOLE   0 0 1,238
SPDR S&P 500 ETF TR TR UNIT 78462F103 771 1,707 SH   SOLE   0 0 1,707
SPDR SER TR NUVEEN BLOOMBERG 78464A284 238 4,313 SH   SOLE   0 0 4,313
SPDR SER TR ICE PFD SEC ETF 78464A292 1,615 41,411 SH   SOLE   0 0 41,411
SPDR SER TR BLOOMBERG INVT 78468R200 5,400 177,100 SH   SOLE   0 0 177,100
STARBUCKS CORP COM 855244109 642 7,054 SH   SOLE   0 0 7,054
SYSCO CORP COM 871829107 863 10,572 SH   SOLE   0 0 10,572
TARGET CORP COM 87612E106 1,869 8,806 SH   SOLE   0 0 8,806
TORONTO DOMINION BK ONT COM NEW 891160509 339 4,267 SH   SOLE   0 0 4,267
UNILEVER PLC SPON ADR NEW 904767704 525 11,528 SH   SOLE   0 0 11,528
UNITED PARCEL SERVICE INC CL B 911312106 700 3,262 SH   SOLE   0 0 3,262
US BANCORP DEL COM NEW 902973304 675 12,703 SH   SOLE   0 0 12,703
VANGUARD BD INDEX FDS INTERMED TERM 921937819 997 12,175 SH   SOLE   0 0 12,175
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,370 17,582 SH   SOLE   0 0 17,582
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 3,067 35,650 SH   SOLE   0 0 35,650
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 5,208 66,688 SH   SOLE   0 0 66,688
VERIZON COMMUNICATIONS INC COM 92343V104 530 10,408 SH   SOLE   0 0 10,408
WALGREENS BOOTS ALLIANCE INC COM 931427108 401 8,949 SH   SOLE   0 0 8,949
WALMART INC COM 931142103 1,933 12,979 SH   SOLE   0 0 12,979
WASTE MGMT INC DEL COM 94106L109 1,537 9,695 SH   SOLE   0 0 9,695
WELLS FARGO CO NEW COM 949746101 283 5,845 SH   SOLE   0 0 5,845
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,668 37,542 SH   SOLE   0 0 37,542
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,243 39,010 SH   SOLE   0 0 39,010
WISDOMTREE TR INTL LRGCAP DV 97717W794 3,360 69,115 SH   SOLE   0 0 69,115
WISDOMTREE TR US LARGECAP DIVD 97717W307 644 9,803 SH   SOLE   0 0 9,803