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
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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   537,474 4,123 SH   SOLE 0 4,123 0 0
JOHNSON & JOHNSON COM Stock 478160104   5,140,653 31,058 SH   SOLE 0 31,057 0 0
WASTE MGMT INC DEL COM Stock 94106L109   3,661,416 21,113 SH   SOLE 0 21,113 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105   287,495 534 SH   SOLE 0 534 0 0
PROCTER AND GAMBLE CO COM Stock 742718109   6,007,387 39,590 SH   SOLE 0 39,590 0 0
TRUIST FINL CORP COM Stock 89832Q109   1,934,752 63,748 SH   SOLE 0 63,748 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106   3,967,679 22,135 SH   SOLE 0 22,134 0 0
CME GROUP INC COM Stock 12572Q105   1,527,160 8,242 SH   SOLE 0 8,242 0 0
MERCK & CO INC COM Stock 58933Y105   7,059,906 61,183 SH   SOLE 0 61,183 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103   694,620 1,567 SH   SOLE 0 1,567 0 0
ALLSTATE CORP COM Stock 020002101   990,737 9,086 SH   SOLE 0 9,086 0 0
PEPSICO INC COM Stock 713448108   6,947,417 37,509 SH   SOLE 0 37,509 0 0
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   1,960,310 20,114 SH   SOLE 0 20,114 0 0
HOME DEPOT INC COM Stock 437076102   5,070,204 16,322 SH   SOLE 0 16,321 0 0
AMERISOURCEBERGEN CORP COM Stock 03073E105   574,211 2,984 SH   SOLE 0 2,984 0 0
REGIONS FINANCIAL CORP NEW COM Stock 7591EP100   1,065,921 59,816 SH   SOLE 0 59,816 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614   460,651 1,674 SH   SOLE 0 1,674 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702   361,119 1,059 SH   SOLE 0 1,059 0 0
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713   258,162 6,606 SH   SOLE 0 6,606 0 0
MICROSOFT CORP COM Stock 594918104   8,536,567 25,068 SH   SOLE 0 25,067 0 0
PGIM ULTRA SHORT BOND ETF ETF 69344A107   507,813 10,278 SH   SOLE 0 10,277 0 0
PROSPECT CAP CORP 6.375 03/01/2025 Convertible 74348TAT9   29,734 30,000 SH   SOLE 0 30,000 0 0
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   2,080,415 21,805 SH   SOLE 0 21,805 0 0
FIDELITY NATL INFORMATION SVCS COM Stock 31620M106   1,240,268 22,674 SH   SOLE 0 22,674 0 0
ISHARES MSCI EAFE VALUE ETF ETF 464288877   1,446,764 29,562 SH   SOLE 0 29,562 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797   2,661,305 36,647 SH   SOLE 0 36,647 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   635,596 8,551 SH   SOLE 0 8,551 0 0
L3HARRIS TECHNOLOGIES INC COM Stock 502431109   1,220,561 6,235 SH   SOLE 0 6,234 0 0
BROADCOM INC COM Stock 11135F101   12,569,495 14,491 SH   SOLE 0 14,490 0 0
METLIFE INC COM Stock 59156R108   1,920,638 33,976 SH   SOLE 0 33,975 0 0
ROYAL BK CDA COM Stock 780087102   3,455,552 36,180 SH   SOLE 0 36,180 0 0
ENBRIDGE INC COM Stock 29250N105   6,031,042 162,343 SH   SOLE 0 162,343 0 0
ABBVIE INC COM Stock 00287Y109   5,504,454 40,855 SH   SOLE 0 40,855 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103   1,248,920 25,338 SH   SOLE 0 25,338 0 0
CISCO SYS INC COM Stock 17275R102   7,490,023 144,763 SH   SOLE 0 144,762 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339   2,256,645 16,732 SH   SOLE 0 16,732 0 0
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   1,084,236 9,959 SH   SOLE 0 9,959 0 0
ISHARES CORE S&P 500 ETF ETF 464287200   7,154,372 16,052 SH   SOLE 0 16,051 0 0
UNION PAC CORP COM Stock 907818108   2,189,523 10,700 SH   SOLE 0 10,700 0 0
LOCKHEED MARTIN CORP COM Stock 539830109   4,767,695 10,356 SH   SOLE 0 10,356 0 0
JPMORGAN CHASE & CO COM Stock 46625H100   7,304,919 50,226 SH   SOLE 0 50,226 0 0
M & T BK CORP COM Stock 55261F104   1,070,524 8,650 SH   SOLE 0 8,650 0 0
WALMART INC COM Stock 931142103   4,340,011 27,612 SH   SOLE 0 27,611 0 0
TEXAS INSTRS INC COM Stock 882508104   2,303,716 12,797 SH   SOLE 0 12,797 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   809,844 7,635 SH   SOLE 0 7,635 0 0
PFIZER INC COM Stock 717081103   5,150,391 140,414 SH   SOLE 0 140,414 0 0
HP INC COM Stock 40434L105   1,302,043 42,398 SH   SOLE 0 42,398 0 0
CATERPILLAR INC COM Stock 149123101   2,770,346 11,259 SH   SOLE 0 11,259 0 0
BEST BUY INC COM Stock 086516101   2,715,167 33,132 SH   SOLE 0 33,132 0 0
ANALOG DEVICES INC COM Stock 032654105   924,499 4,746 SH   SOLE 0 4,745 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844   538,056 3,313 SH   SOLE 0 3,312 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226   4,720,937 48,197 SH   SOLE 0 48,197 0 0
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621   467,171 9,066 SH   SOLE 0 9,066 0 0
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   206,752 4,547 SH   SOLE 0 4,547 0 0
LAM RESEARCH CORP COM Stock 512807108   1,423,072 2,214 SH   SOLE 0 2,213 0 0
ALTRIA GROUP INC COM Stock 02209S103   5,302,274 117,048 SH   SOLE 0 117,048 0 0
DOMINION ENERGY INC COM Stock 25746U109   498,909 9,633 SH   SOLE 0 9,633 0 0
EXXON MOBIL CORP COM Stock 30231G102   6,972,475 65,011 SH   SOLE 0 65,011 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102   2,717,617 5,654 SH   SOLE 0 5,654 0 0
ARK INNOVATION ETF ETF 00214Q104   679,756 15,400 SH   SOLE 0 15,400 0 0
BLACKROCK INC COM Stock 09247X101   2,621,497 3,793 SH   SOLE 0 3,793 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507   248,667 951 SH   SOLE 0 951 0 0
APPLE INC COM Stock 037833100   1,672,135 8,621 SH   SOLE 0 8,620 0 0