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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 BBG001S5T7X2 414,896 3,912 SH Put SOLE   3,217 0 695
ABBOTT LABS COM 002824100 BBG001S5N9M6 1,720,554 15,138 SH Put SOLE   11,130 0 4,008
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 3,122,089 17,145 SH Put SOLE   13,856 0 3,289
ADOBE INC COM 00724F101 BBG001S5NCQ5 496,022 983 SH Put SOLE   183 0 800
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 297,267 1,647 SH Put SOLE   847 0 800
AFLAC INC COM 001055102 BBG001S5NGJ4 1,970,223 22,947 SH Put SOLE   22,147 0 800
AIR PRODS & CHEMS INC COM 009158106 BBG001S5NSB6 548,499 2,264 SH Put SOLE   2,264 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 5,695,077 37,674 SH Put SOLE   30,974 0 6,700
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,256,914 8,214 SH Put SOLE   4,514 0 3,700
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 1,408,599 32,293 SH Put SOLE   31,043 0 1,250
AMAZON COM INC COM 023135106 BBG001S5PQL7 8,224,247 45,584 SH Put SOLE   38,384 0 7,200
AMER STATES WTR CO COM 029899101 BBG001S9T5Z6 245,616 3,400 SH Put SOLE   2,800 0 600
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 247,103 2,870 SH Put SOLE   2,496 0 374
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 276,363 1,399 SH Put SOLE   1,399 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 757,038 2,663 SH Put SOLE   2,479 0 184
APPLE INC COM 037833100 BBG001S5N8V8 10,145,453 59,164 SH Put SOLE   50,292 0 8,872
AT&T INC COM 00206R102 BBG001S5VWH2 589,568 33,498 SH Put SOLE   33,498 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 1,812,185 7,256 SH Put SOLE   5,684 0 1,572
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 254,550 6,713 SH Put SOLE   6,713 0 0
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 1,613,272 6,520 SH Put SOLE   4,748 0 1,772
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,005,043 2,390 SH Put SOLE   2,223 0 167
BLACKROCK INC COM 09247X101 BBG001SDBP55 827,037 992 SH Put SOLE   942 0 50
BLACKSTONE INC COM 09260D107 BBG001S7H949 456,773 3,477 SH Put SOLE   2,500 0 977
BROADCOM INC COM 11135F101 BBG00KHY5SY8 465,219 351 SH Put SOLE   290 0 61
CATERPILLAR INC COM 149123101 BBG001S5PJ06 695,663 1,898 SH Put SOLE   1,560 0 338
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,617,223 10,239 SH Put SOLE   9,504 0 735
CISCO SYS INC COM 17275R102 BBG001S6HC62 552,279 11,065 SH Put SOLE   11,065 0 0
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 498,964 7,890 SH Put SOLE   6,890 0 1,000
COCA COLA CO COM 191216100 BBG001S5SMQ8 824,062 13,469 SH Put SOLE   12,669 0 800
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 684,360 934 SH Put SOLE   934 0 0
CSX CORP COM 126408103 BBG001S5Q7Q3 354,945 9,575 SH Put SOLE   9,575 0 0
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 434,692 5,450 SH Put SOLE   4,750 0 700
DISNEY WALT CO COM 254687106 BBG001S5QHF3 315,984 2,582 SH Put SOLE   2,582 0 0
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 534,920 10,875 SH Put SOLE   10,875 0 0
DOVER CORP COM 260003108 BBG001S5QL46 265,785 1,500 SH Put SOLE   1,500 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 226,157 2,339 SH Put SOLE   2,339 0 0
EATON CORP PLC SHS G29183103 BBG001S5QZ45 406,484 1,300 SH Put SOLE   1,300 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 2,049,032 2,634 SH Put SOLE   2,634 0 0
ELME COMMUNITIES SH BEN INT 939653101 BBG001S5XJD3 150,233 10,793 SH Put SOLE   10,793 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 674,951 5,951 SH Put SOLE   5,951 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 2,786,115 23,969 SH Put SOLE   23,969 0 0
GALLAGHER ARTHUR J & CO COM 363576109 BBG001S5NKC2 289,863 1,159 SH Put SOLE   1,050 0 109
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 306,947 1,749 SH Put SOLE   1,749 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 427,652 6,112 SH Put SOLE   6,112 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 208,845 500 SH Put SOLE   400 0 100
HALOZYME THERAPEUTICS INC COM 40637H109 BBG001SGX585 459,684 11,300 SH Put SOLE   7,300 0 4,000
HANESBRANDS INC COM 410345102 BBG001SMCKB8 75,400 13,000 SH Put SOLE   13,000 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 290,439 757 SH Put SOLE   757 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 298,593 1,455 SH Put SOLE   1,455 0 0
HORMEL FOODS CORP COM 440452100 BBG001S5S0D0 593,130 17,000 SH Put SOLE   17,000 0 0
INTEL CORP COM 458140100 BBG001S5SF65 339,311 7,682 SH Put SOLE   7,105 0 577
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 515,359 2,699 SH Put SOLE   2,699 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 BBG00KJR2V68 608,775 17,300 SH Put SOLE   17,300 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 201,240 3,900 SH Put SOLE   3,900 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 276,534 526 SH Put SOLE   526 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 434,375 8,610 SH Put SOLE   8,610 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,821,162 17,834 SH Put SOLE   16,592 0 1,242
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,317,384 11,570 SH Put SOLE   11,070 0 500
KINDER MORGAN INC DEL COM 49456B101 BBG001TG2YZ5 186,279 10,157 SH Put SOLE   7,157 0 3,000
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 1,098,061 5,153 SH Put SOLE   5,153 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 431,767 1,695 SH Put SOLE   1,695 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 696,496 2,470 SH Put SOLE   2,270 0 200
MERCK & CO INC COM 58933Y105 BBG001S5TC52 264,824 2,007 SH Put SOLE   2,007 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 BBG001S787B5 218,892 2,440 SH Put SOLE   2,440 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 9,898,338 23,518 SH Put SOLE   21,273 0 2,245
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 430,178 6,731 SH Put SOLE   6,731 0 0
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 1,118,576 4,389 SH Put SOLE   4,389 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,485,596 1,644 SH Put SOLE   1,344 0 300
PEPSICO INC COM 713448108 BBG001S695T1 879,730 5,027 SH Put SOLE   5,027 0 0
PFIZER INC COM 717081103 BBG001S5V466 418,660 15,087 SH Put SOLE   15,087 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 681,681 7,440 SH Put SOLE   7,140 0 300
PHILLIPS 66 COM 718546104 BBG00286S4P7 1,242,963 7,610 SH Put SOLE   7,302 0 308
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 268,224 2,200 SH Put SOLE   2,200 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 5,580,340 34,393 SH Put SOLE   21,473 0 12,920
QUALCOMM INC COM 747525103 BBG001S6VS70 495,054 2,924 SH Put SOLE   2,924 0 0
REALTY INCOME CORP COM 756109104 BBG001S884K0 783,545 14,483 SH Put SOLE   14,183 0 300
RPM INTL INC COM 749685103 BBG001S7X317 309,270 2,600 SH Put SOLE   2,600 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 495,431 5,080 SH Put SOLE   4,498 0 582
SALESFORCE INC COM 79466L302 BBG001SDLP09 292,747 972 SH Put SOLE   472 0 500
SOUTHERN CO COM 842587107 BBG001S5W777 270,819 3,775 SH Put SOLE   3,775 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 1,381,690 15,119 SH Put SOLE   13,419 0 1,700
SYSCO CORP COM 871829107 BBG001S5WJS8 241,789 2,978 SH Put SOLE   1,738 0 1,240
TARGET CORP COM 87612E106 BBG001SC0K41 503,099 2,839 SH Put SOLE   1,494 0 1,345
THOMSON REUTERS CORP. COM 884903808 BBG001S5WSW3 274,884 1,764 SH Put SOLE   1,764 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,330,847 2,690 SH Put SOLE   2,690 0 0
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 5,192,198 29,624 SH Put SOLE   29,324 0 300
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 983,379 2,857 SH Put SOLE   2,857 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 61,905,049 258,196 SH Put SOLE   251,519 0 6,677
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 44,399,445 177,697 SH Put SOLE   173,631 0 4,066
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 432,149 899 SH Put SOLE   899 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 729,144 3,800 SH Put SOLE   2,800 0 1,000
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 13,288,474 58,132 SH Put SOLE   57,592 0 540
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 1,833,684 7,055 SH Put SOLE   6,169 0 886
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,160,215 7,124 SH Put SOLE   7,124 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 5,739,550 137,387 SH Put SOLE   136,701 0 686
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,760,374 34,790 SH Put SOLE   34,790 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 1,060,165 13,168 SH Put SOLE   12,793 0 375
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 36,009,107 197,191 SH Put SOLE   185,556 0 11,635
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 400,845 6,648 SH Put SOLE   6,422 0 226
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 1,573,030 31,354 SH Put SOLE   31,354 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 22,518,893 186,122 SH Put SOLE   177,841 0 8,281
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 7,732,682 94,845 SH Put SOLE   92,313 0 2,532
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 6,383,041 92,777 SH Put SOLE   91,396 0 1,381
VANGUARD WORLD FD FINANCIALS ETF 92204A405 BBG001SHTTM0 486,557 4,752 SH Put SOLE   4,752 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 248,608 919 SH Put SOLE   419 0 500
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 676,224 16,116 SH Put SOLE   16,116 0 0
WALMART INC COM 931142103 BBG001S5XH92 331,545 5,510 SH Put SOLE   5,510 0 0