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
ABBOTT LABS COM 002824100   335,359 2,941 SH   SOLE   0 0 2,941
ADOBE INC COM 00724F101   323,095 624 SH   SOLE   0 0 624
AFLAC INC COM 001055102   426,130 3,812 SH   SOLE   0 0 3,812
AIR PRODS & CHEMS INC COM 009158106   524,104 1,760 SH   SOLE   0 0 1,760
ALPHABET INC CAP STK CL A 02079K305   579,842 3,496 SH   SOLE   0 0 3,496
ALTRIA GROUP INC COM 02209S103   453,667 8,888 SH   SOLE   0 0 8,888
AMAZON COM INC COM 023135106   1,022,404 5,487 SH   SOLE   0 0 5,487
AMEREN CORP COM 023608102   226,447 2,589 SH   SOLE   0 0 2,589
AMERICAN ELEC PWR CO INC COM 025537101   214,094 2,087 SH   SOLE   0 0 2,087
AMGEN INC COM 031162100   388,025 1,204 SH   SOLE   0 0 1,204
APPLE INC COM 037833100   2,488,847 10,682 SH   SOLE   0 0 10,682
ARCHER DANIELS MIDLAND CO COM 039483102   332,804 5,571 SH   SOLE   0 0 5,571
AT&T INC COM 00206R102   312,180 14,190 SH   SOLE   0 0 14,190
BANK AMERICA CORP COM 060505104   357,490 9,009 SH   SOLE   0 0 9,009
BP PLC SPONSORED ADR 055622104   240,484 7,661 SH   SOLE   0 0 7,661
CARDINAL HEALTH INC COM 14149Y108   246,862 2,234 SH   SOLE   0 0 2,234
CHEVRON CORP NEW COM 166764100   769,578 5,226 SH   SOLE   0 0 5,226
CISCO SYS INC COM 17275R102   279,094 5,244 SH   SOLE   0 0 5,244
CLOROX CO DEL COM 189054109   1,094,446 6,718 SH   SOLE   0 0 6,718
COCA COLA CO COM 191216100   1,119,072 15,573 SH   SOLE   0 0 15,573
COLGATE PALMOLIVE CO COM 194162103   967,550 9,320 SH   SOLE   0 0 9,320
CONSOLIDATED EDISON INC COM 209115104   650,544 6,247 SH   SOLE   0 0 6,247
CORNING INC COM 219350105   348,549 7,720 SH   SOLE   0 0 7,720
CVS HEALTH CORP COM 126650100   216,791 3,448 SH   SOLE   0 0 3,448
DARDEN RESTAURANTS INC COM 237194105   251,397 1,532 SH   SOLE   0 0 1,532
DEERE & CO COM 244199105   941,791 2,257 SH   SOLE   0 0 2,257
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   939,267 14,481 SH   SOLE   0 0 14,481
DUKE ENERGY CORP NEW COM NEW 26441C204   767,237 6,654 SH   SOLE   0 0 6,654
ELI LILLY & CO COM 532457108   2,096,716 2,367 SH   SOLE   0 0 2,367
ENBRIDGE INC COM 29250N105   266,320 6,558 SH   SOLE   0 0 6,558
ENTERPRISE PRODS PARTNERS L COM 293792107   635,344 21,826 SH   SOLE   0 0 21,826
EXXON MOBIL CORP COM 30231G102   1,073,049 9,154 SH   SOLE   0 0 9,154
FIDELITY COVINGTON TRUST HIGH DIVID ETF 316092840   799,080 15,777 SH   SOLE   0 0 15,777
GENERAL MLS INC COM 370334104   920,302 12,462 SH   SOLE   0 0 12,462
HOME DEPOT INC COM 437076102   431,786 1,066 SH   SOLE   0 0 1,066
INVESCO QQQ TR UNIT SER 1 46090E103   1,192,843 2,444 SH   SOLE   0 0 2,444
ISHARES TR 0-5YR HI YL CP 46434V407   8,991,654 207,086 SH   SOLE   0 0 207,086
ISHARES TR CORE S&P500 ETF 464287200   511,976 888 SH   SOLE   0 0 888
ISHARES TR ISHS 1-5YR INVS 464288646   10,379,645 197,107 SH   SOLE   0 0 197,107
ISHARES TR PFD AND INCM SEC 464288687   599,997 18,056 SH   SOLE   0 0 18,056
ISHARES TR CORE DIV GRWTH 46434V621   12,887,332 205,572 SH   SOLE   0 0 205,572
JOHNSON & JOHNSON COM 478160104   1,537,740 9,489 SH   SOLE   0 0 9,489
JPMORGAN CHASE & CO. COM 46625H100   1,283,898 6,089 SH   SOLE   0 0 6,089
KELLANOVA COM 487836108   434,907 5,389 SH   SOLE   0 0 5,389
KIMBERLY-CLARK CORP COM 494368103   656,682 4,615 SH   SOLE   0 0 4,615
LOCKHEED MARTIN CORP COM 539830109   2,679,530 4,584 SH   SOLE   0 0 4,584
LOWES COS INC COM 548661107   406,495 1,501 SH   SOLE   0 0 1,501
MASTERCARD INCORPORATED CL A 57636Q104   228,055 462 SH   SOLE   0 0 462
MCDONALDS CORP COM 580135101   1,949,910 6,403 SH   SOLE   0 0 6,403
MEDTRONIC PLC SHS G5960L103   324,288 3,602 SH   SOLE   0 0 3,602
MERCK & CO INC COM 58933Y105   303,824 2,675 SH   SOLE   0 0 2,675
MICROSOFT CORP COM 594918104   6,090,136 14,153 SH   SOLE   0 0 14,153
NVIDIA CORPORATION COM 67066G104   239,851 1,975 SH   SOLE   0 0 1,975
PACER FDS TR US CASH COWS 100 69374H881   680,409 11,766 SH   SOLE   0 0 11,766
PAYCHEX INC COM 704326107   1,039,814 7,749 SH   SOLE   0 0 7,749
PEPSICO INC COM 713448108   1,233,382 7,253 SH   SOLE   0 0 7,253
PFIZER INC COM 717081103   404,290 13,970 SH   SOLE   0 0 13,970
PHILIP MORRIS INTL INC COM 718172109   508,146 4,186 SH   SOLE   0 0 4,186
PHILLIPS 66 COM 718546104   398,031 3,028 SH   SOLE   0 0 3,028
PROCTER AND GAMBLE CO COM 742718109   2,309,099 13,332 SH   SOLE   0 0 13,332
REALTY INCOME CORP COM 756109104   635,065 10,014 SH   SOLE   0 0 10,014
SALESFORCE INC COM 79466L302   348,152 1,272 SH   SOLE   0 0 1,272
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   9,176,291 223,159 SH   SOLE   0 0 223,159
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   386,168 8,126 SH   SOLE   0 0 8,126
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   4,436,946 86,154 SH   SOLE   0 0 86,154
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   4,359,274 52,464 SH   SOLE   0 0 52,464
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   27,344,409 403,013 SH   SOLE   0 0 403,013
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   7,197,147 69,084 SH   SOLE   0 0 69,084
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   17,427,082 206,164 SH   SOLE   0 0 206,164
SOUTHERN CO COM 842587107   1,366,620 15,154 SH   SOLE   0 0 15,154
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   580,098 1,371 SH   SOLE   0 0 1,371
SPDR S&P 500 ETF TR TR UNIT 78462F103   978,924 1,706 SH   SOLE   0 0 1,706
STARBUCKS CORP COM 855244109   771,183 7,910 SH   SOLE   0 0 7,910
SYSCO CORP COM 871829107   749,531 9,602 SH   SOLE   0 0 9,602
TARGET CORP COM 87612E106   1,370,806 8,795 SH   SOLE   0 0 8,795
TEXAS INSTRS INC COM 882508104   240,305 1,163 SH   SOLE   0 0 1,163
TORONTO DOMINION BK ONT COM NEW 891160509   325,979 5,153 SH   SOLE   0 0 5,153
UNILEVER PLC SPON ADR NEW 904767704   608,137 9,362 SH   SOLE   0 0 9,362
UNION PAC CORP COM 907818108   247,189 1,003 SH   SOLE   0 0 1,003
UNITED PARCEL SERVICE INC CL B 911312106   548,122 4,020 SH   SOLE   0 0 4,020
UNITEDHEALTH GROUP INC COM 91324P102   244,461 418 SH   SOLE   0 0 418
US BANCORP DEL COM NEW 902973304   743,930 16,268 SH   SOLE   0 0 16,268
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   944,187 11,999 SH   SOLE   0 0 11,999
VANGUARD BD INDEX FDS INTERMED TERM 921937819   690,160 8,806 SH   SOLE   0 0 8,806
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   8,414,223 112,025 SH   SOLE   0 0 112,025
VANGUARD INDEX FDS MID CAP ETF 922908629   309,550 1,173 SH   SOLE   0 0 1,173
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,489,192 77,483 SH   SOLE   0 0 77,483
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   8,060,973 101,498 SH   SOLE   0 0 101,498
VANGUARD WORLD FD UTILITIES ETF 92204A876   214,848 1,234 SH   SOLE   0 0 1,234
VERIZON COMMUNICATIONS INC COM 92343V104   557,405 12,412 SH   SOLE   0 0 12,412
VISA INC COM CL A 92826C839   309,584 1,126 SH   SOLE   0 0 1,126
WALMART INC COM 931142103   2,774,091 34,354 SH   SOLE   0 0 34,354
WASTE MGMT INC DEL COM 94106L109   1,696,366 8,171 SH   SOLE   0 0 8,171
WISDOMTREE TR US LARGECAP DIVD 97717W307   492,360 6,267 SH   SOLE   0 0 6,267
WISDOMTREE TR US QTLY DIV GRT 97717X669   498,725 5,994 SH   SOLE   0 0 5,994
WISDOMTREE TR US SMALLCAP DIVD 97717W604   1,682,617 48,786 SH   SOLE   0 0 48,786
WISDOMTREE TR US MIDCAP DIVID 97717W505   2,418,577 47,303 SH   SOLE   0 0 47,303
WISDOMTREE TR INTL LRGCAP DV 97717W794   4,525,313 83,855 SH   SOLE   0 0 83,855