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
ABBOTT LABS COM 002824100   3,831,891 34,902 SH   SOLE   0 0 34,902
ABBVIE INC COM 00287Y109   270,196 1,671 SH   SOLE   0 0 1,671
AMERICAN TOWER CORP NEW COM 03027X100   4,461,983 21,061 SH   SOLE   0 0 21,061
APPLE INC COM 037833100   3,998,856 30,777 SH   SOLE   0 0 30,777
BANK AMERICA CORP COM 060505104   3,281,132 99,068 SH   SOLE   0 0 99,068
CHEVRON CORP NEW COM 166764100   3,421,259 19,061 SH   SOLE   0 0 19,061
CISCO SYS INC COM 17275R102   3,824,396 80,277 SH   SOLE   0 0 80,277
CONSOLIDATED EDISON INC COM 209115104   727,072 7,628 SH   SOLE   0 0 7,628
CROWN CASTLE INC COM 22822V101   4,379,951 32,291 SH   SOLE   0 0 32,291
DOMINION ENERGY INC COM 25746U109   1,215,785 19,826 SH   SOLE   0 0 19,826
DTE ENERGY CO COM 233331107   3,949,596 33,605 SH   SOLE   0 0 33,605
GOLDMAN SACHS GROUP INC COM 38141G104   3,985,955 11,608 SH   SOLE   0 0 11,608
HOME DEPOT INC COM 437076102   4,099,547 12,979 SH   SOLE   0 0 12,979
HONEYWELL INTL INC COM 438516106   3,516,877 16,411 SH   SOLE   0 0 16,411
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,874,946 91,327 SH   SOLE   0 0 91,327
ISHARES TR 0-3 MNTH TREASRY 46436E718   9,015,604 90,030 SH   SOLE   0 0 90,030
ISHARES TR 0-5YR HI YL CP 46434V407   12,742,714 311,634 SH   SOLE   0 0 311,634
ISHARES TR FLTG RATE NT ETF 46429B655   3,907,269 77,633 SH   SOLE   0 0 77,633
ISHARES TR INTL SEL DIV ETF 464288448   906,655 33,382 SH   SOLE   0 0 33,382
ISHARES TR PFD AND INCM SEC 464288687   6,451,783 211,326 SH   SOLE   0 0 211,326
ISHARES TR U.S. MED DVC ETF 464288810   331,191 6,300 SH   SOLE   0 0 6,300
JPMORGAN CHASE & CO COM 46625H100   3,344,722 24,942 SH   SOLE   0 0 24,942
KIMBERLY-CLARK CORP COM 494368103   3,219,719 23,718 SH   SOLE   0 0 23,718
LOCKHEED MARTIN CORP COM 539830109   4,158,030 8,547 SH   SOLE   0 0 8,547
LOWES COS INC COM 548661107   3,850,114 19,324 SH   SOLE   0 0 19,324
MCDONALDS CORP COM 580135101   4,081,816 15,489 SH   SOLE   0 0 15,489
MEDTRONIC PLC SHS G5960L103   2,757,506 35,480 SH   SOLE   0 0 35,480
MICROSOFT CORP COM 594918104   3,940,243 16,430 SH   SOLE   0 0 16,430
NEXTERA ENERGY INC COM 65339F101   5,064,364 60,623 SH   SOLE   0 0 60,623
NIKE INC CL B 654106103   3,162,546 27,028 SH   SOLE   0 0 27,028
NORFOLK SOUTHN CORP COM 655844108   244,143 990 SH   SOLE   0 0 990
NUCOR CORP COM 670346105   3,840,548 29,137 SH   SOLE   0 0 29,137
PAYCHEX INC COM 704326107   3,991,096 34,537 SH   SOLE   0 0 34,537
PEPSICO INC COM 713448108   3,906,565 21,623 SH   SOLE   0 0 21,623
PROCTER AND GAMBLE CO COM 742718109   3,982,468 26,276 SH   SOLE   0 0 26,276
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   769,031 12,551 SH   SOLE   0 0 12,551
REPUBLIC SVCS INC COM 760759100   4,002,947 31,033 SH   SOLE   0 0 31,033
SEMPRA COM 816851109   742,161 4,802 SH   SOLE   0 0 4,802
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   242,716 8,175 SH   SOLE   0 0 8,175
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533   417,960 17,415 SH   SOLE   0 0 17,415
SPDR SER TR PORTFOLIO S&P500 78464A854   987,356 21,951 SH   SOLE   0 0 21,951
SPDR SER TR S&P BIOTECH 78464A870   259,375 3,125 SH   SOLE   0 0 3,125
STARBUCKS CORP COM 855244109   3,955,501 39,874 SH   SOLE   0 0 39,874
TELUS CORPORATION COM 87971M103   4,369,737 226,294 SH   SOLE   0 0 226,294
TEXAS INSTRS INC COM 882508104   3,685,563 22,307 SH   SOLE   0 0 22,307
TRUIST FINL CORP COM 89832Q109   3,112,446 72,332 SH   SOLE   0 0 72,332
UNION PAC CORP COM 907818108   3,428,458 16,557 SH   SOLE   0 0 16,557
UNITED CMNTY BKS BLAIRSVLE G COM 90984P303   223,080 6,600 SH   SOLE   0 0 6,600
VANGUARD INDEX FDS GROWTH ETF 922908736   18,821,449 88,318 SH   SOLE   0 0 88,318
VANGUARD INDEX FDS MID CAP ETF 922908629   2,883,504 14,148 SH   SOLE   0 0 14,148
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   566,711 1,613 SH   SOLE   0 0 1,613
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,880,660 15,695 SH   SOLE   0 0 15,695
VANGUARD INDEX FDS VALUE ETF 922908744   9,930,195 70,743 SH   SOLE   0 0 70,743
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,838,085 31,431 SH   SOLE   0 0 31,431
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   19,256,584 248,440 SH   SOLE   0 0 248,440
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   346,626 4,610 SH   SOLE   0 0 4,610
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,665,439 30,724 SH   SOLE   0 0 30,724
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   4,147,491 21,650 SH   SOLE   0 0 21,650
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,446,132 5,830 SH   SOLE   0 0 5,830
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   3,591,433 19,664 SH   SOLE   0 0 19,664
VANGUARD WORLD FDS INF TECH ETF 92204A702   3,575,156 11,193 SH   SOLE   0 0 11,193
VERIZON COMMUNICATIONS INC COM 92343V104   1,520,367 38,588 SH   SOLE   0 0 38,588
VISA INC COM CL A 92826C839   3,740,511 18,004 SH   SOLE   0 0 18,004
WALMART INC COM 931142103   3,673,212 25,906 SH   SOLE   0 0 25,906
WISDOMTREE TR US MIDCAP DIVID 97717W505   1,975,214 48,012 SH   SOLE   0 0 48,012
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,898,967 66,771 SH   SOLE   0 0 66,771