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
DNP SELECT INCOME FD COM 23325P104 459 42,200 SH   SOLE   0 0 42,200
XCEL ENERGY INC COM 98389B100 210 3,365 SH   SOLE   0 0 3,365
CUMMINS INC COM 231021106 381 2,200 SH   SOLE   0 0 2,200
JOHNSON & JOHNSON COM 478160104 285 2,027 SH   SOLE   0 0 2,027
BRISTOL-MYERS SQUIBB CO COM 110122108 270 4,600 SH   SOLE   0 0 4,600
AUTOMATIC DATA PROCESSING IN COM 053015103 250 1,680 SH   SOLE   0 0 1,680
NOVARTIS AG SPONSORED ADR 66987V109 368 4,210 SH   SOLE   0 0 4,210
CLOROX CO DEL COM 189054109 269 1,225 SH   SOLE   0 0 1,225
EMERSON ELEC CO COM 291011104 412 6,639 SH   SOLE   0 0 6,639
PROCTER AND GAMBLE CO COM 742718109 383 3,200 SH   SOLE   0 0 3,200
MERCURY GENL CORP NEW COM 589400100 212 5,200 SH   SOLE   0 0 5,200
AIR PRODS & CHEMS INC COM 009158106 302 1,250 SH   SOLE   0 0 1,250
BHP GROUP LTD SPONSORED ADS 088606108 241 4,850 SH   SOLE   0 0 4,850
COLGATE PALMOLIVE CO COM 194162103 366 5,000 SH   SOLE   0 0 5,000
TC ENERGY CORP COM 87807B107 281 6,550 SH   SOLE   0 0 6,550
MCDONALDS CORP COM 580135101 302 1,636 SH   SOLE   0 0 1,636
JOHNSON & JOHNSON COM 478160104 277 1,970 SH   SOLE   0 0 1,970
CHEVRON CORP NEW COM 166764100 298 3,335 SH   SOLE   0 0 3,335
CHURCH & DWIGHT INC COM 171340102 232 3,000 SH   SOLE   0 0 3,000
SOUTHERN CO COM 842587107 388 7,480 SH   SOLE   0 0 7,480
NOVO-NORDISK A S ADR 670100205 221 3,378 SH   SOLE   0 0 3,378
VERIZON COMMUNICATIONS INC COM 92343V104 345 6,255 SH   SOLE   0 0 6,255
GENERAL DYNAMICS CORP COM 369550108 237 1,586 SH   SOLE   0 0 1,586
SANOFI SPONSORED ADR 80105N105 398 7,800 SH   SOLE   0 0 7,800
HONEYWELL INTL INC COM 438516106 330 2,280 SH   SOLE   0 0 2,280
MERCK & CO. INC COM 58933Y105 271 3,500 SH   SOLE   0 0 3,500
DNP SELECT INCOME FD COM 23325P104 134 12,347 SH   SOLE   0 0 12,347
MICROSOFT CORP COM 594918104 258 1,269 SH   SOLE   0 0 1,269
3M CO COM 88579Y101 392 2,515 SH   SOLE   0 0 2,515
APPLE INC COM 037833100 201 552 SH   SOLE   0 0 552
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 343 1,210 SH   SOLE   0 0 1,210
AT&T INC COM 00206R102 298 9,849 SH   SOLE   0 0 9,849
PROCTER AND GAMBLE CO COM 742718109 586 4,902 SH   SOLE   0 0 4,902
SPDR S&P 500 ETF TR TR UNIT 78462F103 287 929 SH   SOLE   0 0 929
HOME DEPOT INC COM 437076102 272 1,085 SH   SOLE   0 0 1,085
ALPHABET INC CAP STK CL C 02079K107 212 150 SH   SOLE   0 0 150
KIMBERLY CLARK CORP COM 494368103 208 1,475 SH   SOLE   0 0 1,475
ILLINOIS TOOL WKS INC COM 452308109 245 1,400 SH   SOLE   0 0 1,400
APPLE INC COM 037833100 383 1,050 SH   SOLE   0 0 1,050
MCCORMICK & CO INC COM NON VTG 579780206 317 1,768 SH   SOLE   0 0 1,768
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 242 1,129 SH   SOLE   0 0 1,129
COLGATE PALMOLIVE CO COM 194162103 355 4,840 SH   SOLE   0 0 4,840
ABBOTT LABS COM 002824100 239 2,611 SH   SOLE   0 0 2,611
JOHNSON & JOHNSON COM 478160104 224 1,593 SH   SOLE   0 0 1,593
ABBVIE INC COM 00287Y109 265 2,701 SH   SOLE   0 0 2,701
EQUIFAX INC COM 294429105 381 2,219 SH   SOLE   0 0 2,219
APPLE INC COM 037833100 259 711 SH   SOLE   0 0 711
APPLE INC COM 037833100 219 600 SH   SOLE   0 0 600
APPLE INC COM 037833100 1,644 4,505 SH   SOLE   0 0 4,505
DANAHER CORPORATION COM 235851102 222 1,258 SH   SOLE   0 0 1,258
MICROSOFT CORP COM 594918104 285 1,399 SH   SOLE   0 0 1,399
HOME DEPOT INC COM 437076102 216 863 SH   SOLE   0 0 863
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 234 4,650 SH   SOLE   0 0 4,650
AMAZON COM INC COM 023135106 276 100 SH   SOLE   0 0 100
LOCKHEED MARTIN CORP COM 539830109 237 650 SH   SOLE   0 0 650
APPLE INC COM 037833100 292 800 SH   SOLE   0 0 800
HAWAIIAN ELEC INDUSTRIES COM 419870100 202 5,600 SH   SOLE   0 0 5,600