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 375 3,392 SH   SOLE   0 0 3,392
ABBOTT LABS COM 002824100 228 2,360 SH   SOLE   0 0 2,360
AFLAC INC COM 001055102 227 4,034 SH   SOLE   0 0 4,034
ALPHABET INC CAP STK CL A 02079K305 352 3,680 SH   SOLE   0 0 3,680
ALTRIA GROUP INC COM 02209S103 450 11,156 SH   SOLE   0 0 11,156
AMAZON COM INC COM 023135106 637 5,641 SH   SOLE   0 0 5,641
AMEREN CORP COM 023608102 214 2,656 SH   SOLE   0 0 2,656
APPLE INC COM 037833100 1,643 11,885 SH   SOLE   0 0 11,885
ARCHER DANIELS MIDLAND CO COM 039483102 467 5,810 SH   SOLE   0 0 5,810
AT&T INC COM 00206R102 394 25,717 SH   SOLE   0 0 25,717
BLACKROCK INC COM 09247X101 308 560 SH   SOLE   0 0 560
BP PLC SPONSORED ADR 055622104 366 12,817 SH   SOLE   0 0 12,817
CARDINAL HEALTH INC COM 14149Y108 210 3,152 SH   SOLE   0 0 3,152
CHEVRON CORP NEW COM 166764100 707 4,924 SH   SOLE   0 0 4,924
CLOROX CO DEL COM 189054109 856 6,671 SH   SOLE   0 0 6,671
COCA COLA CO COM 191216100 985 17,581 SH   SOLE   0 0 17,581
COLGATE PALMOLIVE CO COM 194162103 664 9,458 SH   SOLE   0 0 9,458
CONSOLIDATED EDISON INC COM 209115104 535 6,242 SH   SOLE   0 0 6,242
CVS HEALTH CORP COM 126650100 359 3,765 SH   SOLE   0 0 3,765
DARDEN RESTAURANTS INC COM 237194105 210 1,666 SH   SOLE   0 0 1,666
DEERE & CO COM 244199105 882 2,641 SH   SOLE   0 0 2,641
DOMINION ENERGY INC COM 25746U109 304 4,394 SH   SOLE   0 0 4,394
DUKE ENERGY CORP NEW COM NEW 26441C204 588 6,320 SH   SOLE   0 0 6,320
ENBRIDGE INC COM 29250N105 255 6,868 SH   SOLE   0 0 6,868
ENTERPRISE PRODS PARTNERS L COM 293792107 471 19,822 SH   SOLE   0 0 19,822
EXXON MOBIL CORP COM 30231G102 784 8,976 SH   SOLE   0 0 8,976
GENERAL MLS INC COM 370334104 1,118 14,595 SH   SOLE   0 0 14,595
HANESBRANDS INC COM 410345102 150 21,605 SH   SOLE   0 0 21,605
HOME DEPOT INC COM 437076102 311 1,127 SH   SOLE   0 0 1,127
INTEL CORP COM 458140100 446 17,306 SH   SOLE   0 0 17,306
INVESCO QQQ TR UNIT SER 1 46090E103 653 2,444 SH   SOLE   0 0 2,444
ISHARES TR 0-5YR HI YL CP 46434V407 6,084 152,339 SH   SOLE   0 0 152,339
ISHARES TR PFD AND INCM SEC 464288687 753 23,776 SH   SOLE   0 0 23,776
ISHARES TR CORE DIV GRWTH 46434V621 6,038 135,772 SH   SOLE   0 0 135,772
ISHARES TR ISHS 1-5YR INVS 464288646 7,197 146,042 SH   SOLE   0 0 146,042
JOHNSON & JOHNSON COM 478160104 1,595 9,763 SH   SOLE   0 0 9,763
JPMORGAN CHASE & CO COM 46625H100 599 5,729 SH   SOLE   0 0 5,729
KELLOGG CO COM 487836108 475 6,813 SH   SOLE   0 0 6,813
KIMBERLY-CLARK CORP COM 494368103 565 5,016 SH   SOLE   0 0 5,016
LILLY ELI & CO COM 532457108 1,249 3,863 SH   SOLE   0 0 3,863
LOCKHEED MARTIN CORP COM 539830109 1,794 4,645 SH   SOLE   0 0 4,645
LOWES COS INC COM 548661107 266 1,418 SH   SOLE   0 0 1,418
MCDONALDS CORP COM 580135101 1,539 6,671 SH   SOLE   0 0 6,671
MERCK & CO INC COM 58933Y105 265 3,075 SH   SOLE   0 0 3,075
MICROSOFT CORP COM 594918104 3,498 15,019 SH   SOLE   0 0 15,019
PAYCHEX INC COM 704326107 888 7,916 SH   SOLE   0 0 7,916
PEPSICO INC COM 713448108 1,192 7,302 SH   SOLE   0 0 7,302
PFIZER INC COM 717081103 553 12,639 SH   SOLE   0 0 12,639
PGIM ETF TR ACTV HY BD ETF 69344A206 431 13,120 SH   SOLE   0 0 13,120
PHILIP MORRIS INTL INC COM 718172109 365 4,401 SH   SOLE   0 0 4,401
PHILLIPS 66 COM 718546104 310 3,836 SH   SOLE   0 0 3,836
PIMCO ETF TR INTER MUN BD ACT 72201R866 637 12,701 SH   SOLE   0 0 12,701
PROCTER AND GAMBLE CO COM 742718109 1,732 13,723 SH   SOLE   0 0 13,723
REALTY INCOME CORP COM 756109104 485 8,338 SH   SOLE   0 0 8,338
SALESFORCE INC COM 79466L302 227 1,580 SH   SOLE   0 0 1,580
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 8,295 124,865 SH   SOLE   0 0 124,865
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 2,590 68,510 SH   SOLE   0 0 68,510
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 4,403 156,531 SH   SOLE   0 0 156,531
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 16,085 379,800 SH   SOLE   0 0 379,800
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 218 9,720 SH   SOLE   0 0 9,720
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 548 12,101 SH   SOLE   0 0 12,101
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 2,504 41,368 SH   SOLE   0 0 41,368
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,768 49,605 SH   SOLE   0 0 49,605
SOUTHERN CO COM 842587107 1,033 15,194 SH   SOLE   0 0 15,194
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 356 1,238 SH   SOLE   0 0 1,238
SPDR S&P 500 ETF TR TR UNIT 78462F103 610 1,707 SH   SOLE   0 0 1,707
SPDR SER TR ICE PFD SEC ETF 78464A292 1,470 42,178 SH   SOLE   0 0 42,178
SPDR SER TR BLOOMBERG INVT 78468R200 5,678 187,392 SH   SOLE   0 0 187,392
SPDR SER TR NUVEEN BLOOMBERG 78464A284 210 4,388 SH   SOLE   0 0 4,388
STARBUCKS CORP COM 855244109 608 7,219 SH   SOLE   0 0 7,219
SYSCO CORP COM 871829107 718 10,157 SH   SOLE   0 0 10,157
TARGET CORP COM 87612E106 1,324 8,921 SH   SOLE   0 0 8,921
TORONTO DOMINION BK ONT COM NEW 891160509 262 4,267 SH   SOLE   0 0 4,267
UNILEVER PLC SPON ADR NEW 904767704 496 11,325 SH   SOLE   0 0 11,325
UNITED PARCEL SERVICE INC CL B 911312106 537 3,326 SH   SOLE   0 0 3,326
US BANCORP DEL COM NEW 902973304 543 13,473 SH   SOLE   0 0 13,473
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,089 14,549 SH   SOLE   0 0 14,549
VANGUARD BD INDEX FDS INTERMED TERM 921937819 823 11,196 SH   SOLE   0 0 11,196
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,643 34,928 SH   SOLE   0 0 34,928
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,839 65,146 SH   SOLE   0 0 65,146
VERIZON COMMUNICATIONS INC COM 92343V104 422 11,120 SH   SOLE   0 0 11,120
WALGREENS BOOTS ALLIANCE INC COM 931427108 266 8,462 SH   SOLE   0 0 8,462
WALMART INC COM 931142103 1,626 12,535 SH   SOLE   0 0 12,535
WASTE MGMT INC DEL COM 94106L109 1,456 9,086 SH   SOLE   0 0 9,086
WELLS FARGO CO NEW COM 949746101 222 5,511 SH   SOLE   0 0 5,511
WISDOMTREE TR US MIDCAP DIVID 97717W505 1,551 41,178 SH   SOLE   0 0 41,178
WISDOMTREE TR US SMALLCAP DIVD 97717W604 1,081 41,986 SH   SOLE   0 0 41,986
WISDOMTREE TR INTL LRGCAP DV 97717W794 2,739 73,201 SH   SOLE   0 0 73,201
WISDOMTREE TR US LARGECAP DIVD 97717W307 460 8,321 SH   SOLE   0 0 8,321