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
AFLAC INC COM 001055102 3,068 54,597 SH   SOLE   54,596 0 0
ABBOTT LABS COM 002824100 1,522 15,727 SH   SOLE   15,726 0 0
ABBVIE INC COM 00287Y109 402 2,998 SH   SOLE   2,998 0 0
AMERICAN ELEC PWR CO INC COM 025537101 346 3,997 SH   SOLE   3,997 0 0
AMGEN INC COM 031162100 2,426 10,765 SH   SOLE   10,765 0 0
ANALOG DEVICES INC COM 032654105 985 7,066 SH   SOLE   7,066 0 0
APPLE INC COM 037833100 2,506 18,132 SH   SOLE   18,131 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 428 1,893 SH   SOLE   1,893 0 0
BK OF AMERICA CORP COM 060505104 418 13,842 SH   SOLE   13,841 0 0
BECTON DICKINSON & CO COM 075887109 447 2,005 SH   SOLE   2,005 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 5,691 14 SH   SOLE   14 0 0
BLACKROCK INC COM 09247X101 2,644 4,805 SH   SOLE   4,804 0 0
BLACKSTONE INC COM 09260D107 1,043 12,458 SH   SOLE   12,457 0 0
CVS HEALTH CORP COM 126650100 3,980 41,737 SH   SOLE   41,737 0 0
CISCO SYS INC COM 17275R102 2,882 72,041 SH   SOLE   72,040 0 0
CINTAS CORP COM 172908105 582 1,500 SH   SOLE   1,500 0 0
COCA COLA CO COM 191216100 345 6,150 SH   SOLE   6,150 0 0
CONSOLIDATED EDISON INC COM 209115104 369 4,300 SH   SOLE   4,300 0 0
COSTCO WHSL CORP NEW COM 22160K105 615 1,302 SH   SOLE   1,302 0 0
DARDEN RESTAURANTS INC COM 237194105 2,855 22,598 SH   SOLE   22,598 0 0
DOMINION ENERGY INC COM 25746U109 3,448 49,898 SH   SOLE   49,898 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 2,569 27,620 SH   SOLE   27,620 0 0
EMERSON ELEC CO COM 291011104 2,503 34,181 SH   SOLE   34,180 0 0
META PLATFORMS INC CL A 30303M102 263 1,935 SH   SOLE   1,935 0 0
FRANCHISE GROUP INC COM 35180X105 243 10,000 SH   SOLE   10,000 0 0
HOME DEPOT INC COM 437076102 1,419 5,142 SH   SOLE   5,141 0 0
ILLINOIS TOOL WKS INC COM 452308109 250 1,384 SH   SOLE   1,383 0 0
INTEL CORP COM 458140100 2,327 90,280 SH   SOLE   90,280 0 0
ISHARES SILVER TR ISHARES 46428Q109 1,363 77,858 SH   SOLE   77,858 0 0
ISHARES TR IBONDS DEC23 ETF 46434VAX8 2,323 93,115 SH   SOLE   93,115 0 0
ISHARES TR IBONDS DEC22 ETF 46434VBA7 2,147 85,765 SH   SOLE   85,765 0 0
ISHARES TR IBONDS DEC25 ETF 46434VBD1 2,117 87,715 SH   SOLE   87,715 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4 2,267 93,115 SH   SOLE   93,115 0 0
ISHARES TR IBONDS DEC2026 46435GAA0 2,026 87,715 SH   SOLE   87,715 0 0
ISHARES TR IBONDS 27 ETF 46435UAA9 2,017 87,715 SH   SOLE   87,715 0 0
JPMORGAN CHASE & CO COM 46625H100 2,858 27,352 SH   SOLE   27,352 0 0
JOHNSON & JOHNSON COM 478160104 1,005 6,152 SH   SOLE   6,151 0 0
KINDER MORGAN INC DEL COM 49456B101 3,296 198,082 SH   SOLE   198,081 0 0
LOWES COS INC COM 548661107 1,176 6,262 SH   SOLE   6,261 0 0
MCDONALDS CORP COM 580135101 4,034 17,483 SH   SOLE   17,482 0 0
MICROSOFT CORP COM 594918104 4,472 19,201 SH   SOLE   19,201 0 0
MID-AMER APT CMNTYS INC COM 59522J103 2,122 13,684 SH   SOLE   13,684 0 0
NIKE INC CL B 654106103 634 7,623 SH   SOLE   7,622 0 0
NORFOLK SOUTHN CORP COM 655844108 956 4,560 SH   SOLE   4,559 0 0
OAKTREE SPECIALTY LENDING CO COM 67401P108 78 13,000 SH   SOLE   13,000 0 0
PEPSICO INC COM 713448108 3,653 22,377 SH   SOLE   22,376 0 0
PFIZER INC COM 717081103 852 19,461 SH   SOLE   19,461 0 0
PHILLIPS 66 COM 718546104 2,715 33,636 SH   SOLE   33,635 0 0
PRICE T ROWE GROUP INC COM 74144T108 2,616 24,915 SH   SOLE   24,915 0 0
PROCTER AND GAMBLE CO COM 742718109 3,244 25,697 SH   SOLE   25,696 0 0
QUALCOMM INC COM 747525103 2,071 18,328 SH   SOLE   18,327 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 218 2,665 SH   SOLE   2,665 0 0
REALTY INCOME CORP COM 756109104 2,493 42,829 SH   SOLE   42,828 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 714 2,000 SH   SOLE   2,000 0 0
SPDR GOLD TR GOLD SHS 78463V107 1,663 10,750 SH   SOLE   10,750 0 0
SMUCKER J M CO COM NEW 832696405 3,671 26,713 SH   SOLE   26,713 0 0
SOUTHERN CO COM 842587107 4,000 58,829 SH   SOLE   58,828 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104 649 50,700 SH   SOLE   50,700 0 0
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107 187 28,300 SH   SOLE   28,300 0 0
STAG INDL INC COM 85254J102 2,033 71,525 SH   SOLE   71,524 0 0
STARBUCKS CORP COM 855244109 265 3,146 SH   SOLE   3,146 0 0
SYSCO CORP COM 871829107 900 12,723 SH   SOLE   12,723 0 0
TARGET CORP COM 87612E106 1,459 9,834 SH   SOLE   9,834 0 0
3M CO COM 88579Y101 2,495 22,580 SH   SOLE   22,580 0 0
TOWNEBANK PORTSMOUTH VA COM 89214P109 251 9,373 SH   SOLE   9,373 0 0
TRAVELERS COMPANIES INC COM 89417E109 213 1,387 SH   SOLE   1,387 0 0
UNITED PARCEL SERVICE INC CL B 911312106 3,304 20,453 SH   SOLE   20,452 0 0
UNITEDHEALTH GROUP INC COM 91324P102 960 1,901 SH   SOLE   1,900 0 0
URSTADT BIDDLE PPTYS INC CL A 917286205 172 11,075 SH   SOLE   11,074 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 2,630 69,252 SH   SOLE   69,252 0 0
WEC ENERGY GROUP INC COM 92939U106 202 2,255 SH   SOLE   2,255 0 0
WALMART INC COM 931142103 2,124 16,376 SH   SOLE   16,375 0 0
WASTE MGMT INC DEL COM 94106L109 1,881 11,743 SH   SOLE   11,742 0 0
MEDTRONIC PLC SHS G5960L103 2,111 26,142 SH   SOLE   26,142 0 0
CHUBB LIMITED COM H1467J104 2,805 15,423 SH   SOLE   15,422 0 0