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 287,808 2,400 SH   SOLE   0 0 2,400
ABBOTT LABS COM 002824100 BBG001S5N9M6 3,269,436 29,779 SH   SOLE   0 0 29,779
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 6,025,629 37,285 SH   SOLE   0 0 37,285
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 899,545 2,673 SH   SOLE   0 0 2,673
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 2,858,740 32,401 SH   SOLE   0 0 32,401
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 229,811 2,590 SH   SOLE   0 0 2,590
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 463,957 10,150 SH   SOLE   0 0 10,150
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,661,940 19,785 SH   SOLE   0 0 19,785
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 246,870 2,600 SH   SOLE   0 0 2,600
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 562,780 3,809 SH   SOLE   0 0 3,809
APPLE INC COM 037833100 BBG001S5N8V8 4,945,915 38,066 SH   SOLE   0 0 38,066
AT&T INC COM 00206R102 BBG001S5VWH2 312,731 16,987 SH   SOLE   0 0 16,987
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 3,964,121 16,596 SH   SOLE   0 0 16,596
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 528,496 15,957 SH   SOLE   0 0 15,957
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 296,768 1,167 SH   SOLE   0 0 1,167
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 468,711 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,858,960 6,018 SH   SOLE   0 0 6,018
BLACKROCK INC COM 09247X101 BBG001SDBP55 364,944 515 SH   SOLE   0 0 515
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 421,987 5,865 SH   SOLE   0 0 5,865
CITIZENS FINL GROUP INC COM 174610105 BBG006Q0HZT0 1,292,123 32,820 SH   SOLE   0 0 32,820
CLOROX CO DEL COM 189054109 BBG001S5PX50 509,819 3,633 SH   SOLE   0 0 3,633
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,673,706 26,312 SH   SOLE   0 0 26,312
COLGATE PALMOLIVE CO COM 194162103 BBG001S5PVM5 370,234 4,699 SH   SOLE   0 0 4,699
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 3,596,307 7,878 SH   SOLE   0 0 7,878
CSX CORP COM 126408103 BBG001S5Q7Q3 566,841 18,297 SH   SOLE   0 0 18,297
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 633,972 6,803 SH   SOLE   0 0 6,803
DARDEN RESTAURANTS INC COM 237194105 BBG001S5QM08 612,110 4,425 SH   SOLE   0 0 4,425
DISNEY WALT CO COM 254687106 BBG001S5QHF3 534,312 6,150 SH   SOLE   0 0 6,150
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 1,081,685 17,640 SH   SOLE   0 0 17,640
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 3,685,600 35,786 SH   SOLE   0 0 35,786
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 2,081,428 21,668 SH   SOLE   0 0 21,668
FIDELITY COVINGTON TRUST MSCI CONSM DIS 316092204 BBG005FHVPV0 430,825 7,601 SH   SOLE   0 0 7,601
HEALTHCARE RLTY TR CL A COM 42226K105 BBG001T5WP21 207,153 10,750 SH   SOLE   0 0 10,750
HERSHEY CO COM 427866108 BBG001S5S148 434,194 1,875 SH   SOLE   0 0 1,875
HOME DEPOT INC COM 437076102 BBG001S5RTW7 3,000,670 9,500 SH   SOLE   0 0 9,500
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 3,267,218 15,246 SH   SOLE   0 0 15,246
INTEL CORP COM 458140100 BBG001S5SF65 252,671 9,560 SH   SOLE   0 0 9,560
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 798,970 26,170 SH   SOLE   0 0 26,170
JANUS DETROIT STR TR B-BBB CLO ETF 47103U753 BBG014GFHJN4 5,121,697 114,862 SH   SOLE   0 0 114,862
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 6,511,532 132,187 SH   SOLE   0 0 132,187
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 5,518,546 31,240 SH   SOLE   0 0 31,240
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 3,535,010 26,361 SH   SOLE   0 0 26,361
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 3,313,318 24,407 SH   SOLE   0 0 24,407
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 3,307,646 6,799 SH   SOLE   0 0 6,799
LOWES COS INC COM 548661107 BBG001S5SVL3 249,648 1,253 SH   SOLE   0 0 1,253
M & T BK CORP COM 55261F104 BBG001S7S2B4 533,821 3,680 SH   SOLE   0 0 3,680
MCDONALDS CORP COM 580135101 BBG001S5T110 4,055,463 15,389 SH   SOLE   0 0 15,389
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 343,212 4,416 SH   SOLE   0 0 4,416
MERCK & CO INC COM 58933Y105 BBG001S5TC52 590,587 5,323 SH   SOLE   0 0 5,323
MICROSOFT CORP COM 594918104 BBG001S5TD05 10,683,501 44,548 SH   SOLE   0 0 44,548
MONDELEZ INTL INC CL A 609207105 BBG001SHHZJ3 829,326 12,443 SH   SOLE   0 0 12,443
MORGAN STANLEY COM NEW 617446448 BBG001S9V5Z3 211,700 2,490 SH   SOLE   0 0 2,490
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 2,729,874 32,654 SH   SOLE   0 0 32,654
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 435,178 1,766 SH   SOLE   0 0 1,766
NOVARTIS AG SPONSORED ADR 66987V109 BBG001SF5LW6 443,349 4,887 SH   SOLE   0 0 4,887
PAYCHEX INC COM 704326107 BBG001S5V135 2,116,828 18,318 SH   SOLE   0 0 18,318
PEPSICO INC COM 713448108 BBG001S695T1 5,274,188 29,194 SH   SOLE   0 0 29,194
PFIZER INC COM 717081103 BBG001S5V466 3,443,994 67,213 SH   SOLE   0 0 67,213
PRICE T ROWE GROUP INC COM 74144T108 BBG001S5WW18 1,106,196 10,143 SH   SOLE   0 0 10,143
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 2,421,323 15,976 SH   SOLE   0 0 15,976
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 417,304 4,135 SH   SOLE   0 0 4,135
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 1,292,362 15,522 SH   SOLE   0 0 15,522
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 2,511,439 28,712 SH   SOLE   0 0 28,712
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 248,880 2,000 SH   SOLE   0 0 2,000
SOUTHERN CO COM 842587107 BBG001S5W777 362,477 5,076 SH   SOLE   0 0 5,076
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 242,534 732 SH   SOLE   0 0 732
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 565,071 3,331 SH   SOLE   0 0 3,331
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 456,239 1,193 SH   SOLE   0 0 1,193
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 275,242 2,200 SH   SOLE   0 0 2,200
STARBUCKS CORP COM 855244109 BBG001S72KH6 601,846 6,067 SH   SOLE   0 0 6,067
STRYKER CORPORATION COM 863667101 BBG001S8FR03 325,172 1,330 SH   SOLE   0 0 1,330
TARGET CORP COM 87612E106 BBG001SC0K41 1,276,080 8,562 SH   SOLE   0 0 8,562
TESLA INC COM 88160R101 BBG001SQKGD7 291,690 2,368 SH   SOLE   0 0 2,368
THERMO FISHER SCIENTIFIC INC COM 883556102 BBG001S5WS08 2,530,971 4,596 SH   SOLE   0 0 4,596
TJX COS INC NEW COM 872540109 BBG001S5WQ93 1,098,400 13,799 SH   SOLE   0 0 13,799
UNION PAC CORP COM 907818108 BBG001S5X2M0 3,221,595 15,558 SH   SOLE   0 0 15,558
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,796,250 3,388 SH   SOLE   0 0 3,388
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 BBG002D68GN8 1,087,555 5,359 SH   SOLE   0 0 5,359
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 7,478,400 36,693 SH   SOLE   0 0 36,693
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 2,078,578 25,201 SH   SOLE   0 0 25,201
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 525,605 1,496 SH   SOLE   0 0 1,496
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 626,606 3,414 SH   SOLE   0 0 3,414
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 478,381 3,408 SH   SOLE   0 0 3,408
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 4,221,688 84,198 SH   SOLE   0 0 84,198
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 1,739,745 11,457 SH   SOLE   0 0 11,457
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 3,174,970 80,583 SH   SOLE   0 0 80,583
VISA INC COM CL A 92826C839 BBG001SRCFY3 1,746,638 8,407 SH   SOLE   0 0 8,407
WALMART INC COM 931142103 BBG001S5XH92 3,901,848 27,518 SH   SOLE   0 0 27,518
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 3,612,005 23,024 SH   SOLE   0 0 23,024
YUM BRANDS INC COM 988498101 BBG001S7JQ30 555,227 4,335 SH   SOLE   0 0 4,335
YUM CHINA HLDGS INC COM 98850P109 BBG00B8N0HH0 203,298 3,720 SH   SOLE   0 0 3,720