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
AMAZON COM INC COM Stock 023135106   374,220 3,623 SH   SOLE 0 3,623 0 0
JOHNSON & JOHNSON COM Stock 478160104   4,684,572 30,223 SH   SOLE 0 30,223 0 0
WASTE MGMT INC DEL COM Stock 94106L109   3,436,936 21,064 SH   SOLE 0 21,063 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   265,329 534 SH   SOLE 0 534 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   5,845,370 39,312 SH   SOLE 0 39,312 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106   4,174,320 21,518 SH   SOLE 0 21,518 0 0
MERCK & CO INC COM Stock 58933Y105   6,440,570 60,537 SH   SOLE 0 60,537 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   641,514 1,567 SH   SOLE 0 1,567 0 0
ALLSTATE CORP COM Stock 020002101   973,355 8,784 SH   SOLE 0 8,784 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104   3,497,340 89,929 SH   SOLE 0 89,929 0 0
PEPSICO INC COM Stock 713448108   6,717,921 36,851 SH   SOLE 0 36,850 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   1,825,552 20,183 SH   SOLE 0 20,183 0 0
HOME DEPOT INC COM Stock 437076102   4,718,599 15,989 SH   SOLE 0 15,988 0 0
AMERISOURCEBERGEN CORP COM Stock 03073E105   477,768 2,984 SH   SOLE 0 2,984 0 0
REGIONS FINANCIAL CORP NEW COM Stock 7591EP100   1,074,921 57,916 SH   SOLE 0 57,916 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   409,008 1,674 SH   SOLE 0 1,674 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   326,987 1,059 SH   SOLE 0 1,059 0 0
COMCAST CORP NEW CL A Stock 20030N101   2,797,983 73,806 SH   SOLE 0 73,805 0 0
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713   245,342 6,574 SH   SOLE 0 6,574 0 0
MICROSOFT CORP COM Stock 594918104   7,064,538 24,504 SH   SOLE 0 24,504 0 0
PGIM ULTRA SHORT BOND ETF ETF 69344A107   491,438 9,968 SH   SOLE 0 9,968 0 0
NIKE INC CL B Stock 654106103   2,314,195 18,870 SH   SOLE 0 18,869 0 0
PROSPECT CAP CORP 6.375 03/01/2025 Convertible 74348TAT9   29,507 30,000 SH   SOLE 0 30,000 0 0
LYONDELLBASELL INDUSTRIES N V SHS - A - Stock N53745100   2,493,961 26,563 SH   SOLE 0 26,562 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   2,039,718 21,773 SH   SOLE 0 21,773 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   1,435,178 29,573 SH   SOLE 0 29,573 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   2,733,989 37,370 SH   SOLE 0 37,370 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   621,709 8,547 SH   SOLE 0 8,547 0 0
L3HARRIS TECHNOLOGIES INC COM Stock 502431109   1,198,554 6,108 SH   SOLE 0 6,107 0 0
BROADCOM INC COM Stock 11135F101   9,270,271 14,450 SH   SOLE 0 14,450 0 0
METLIFE INC COM Stock 59156R108   2,005,362 34,611 SH   SOLE 0 34,611 0 0
ROYAL BK CDA COM Stock 780087102   3,457,415 36,173 SH   SOLE 0 36,173 0 0
ENBRIDGE INC COM Stock 29250N105   6,026,174 157,960 SH   SOLE 0 157,960 0 0
ABBVIE INC COM Stock 00287Y109   5,651,860 35,464 SH   SOLE 0 35,463 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   1,229,860 25,207 SH   SOLE 0 25,207 0 0
CISCO SYS INC COM Stock 17275R102   7,392,416 141,414 SH   SOLE 0 141,413 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   2,047,073 16,500 SH   SOLE 0 16,500 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   920,397 9,917 SH   SOLE 0 9,917 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   6,632,317 16,134 SH   SOLE 0 16,133 0 0
RIO TINTO PLC SPONSORED ADR ADR 767204100   3,647,408 53,169 SH   SOLE 0 53,169 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   4,859,266 10,279 SH   SOLE 0 10,279 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   6,384,210 48,992 SH   SOLE 0 48,992 0 0
M & T BK CORP COM Stock 55261F104   993,507 8,309 SH   SOLE 0 8,309 0 0
WALMART INC COM Stock 931142103   4,042,792 27,418 SH   SOLE 0 27,418 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   700,415 6,639 SH   SOLE 0 6,639 0 0
PFIZER INC COM Stock 717081103   5,258,117 128,875 SH   SOLE 0 128,875 0 0
CATERPILLAR INC COM Stock 149123101   2,522,041 11,021 SH   SOLE 0 11,020 0 0
ANALOG DEVICES INC COM Stock 032654105   4,584,919 23,248 SH   SOLE 0 23,247 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   574,079 3,728 SH   SOLE 0 3,727 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   4,811,347 48,287 SH   SOLE 0 48,287 0 0
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   494,851 9,899 SH   SOLE 0 9,899 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   209,844 4,547 SH   SOLE 0 4,547 0 0
REALTY INCOME CORP COM REIT 756109104   3,428,081 54,139 SH   SOLE 0 54,139 0 0
DOMINION ENERGY INC COM Stock 25746U109   532,349 9,522 SH   SOLE 0 9,521 0 0
EXXON MOBIL CORP COM Stock 30231G102   7,074,170 64,510 SH   SOLE 0 64,510 0 0
ARK INNOVATION ETF ETF 00214Q104   546,728 13,553 SH   SOLE 0 13,553 0 0
BLACKROCK INC COM Stock 09247X101   2,449,579 3,661 SH   SOLE 0 3,660 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   237,902 951 SH   SOLE 0 951 0 0
APPLE INC COM Stock 037833100   1,247,711 7,566 SH   SOLE 0 7,566 0 0