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
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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
3M CO COM 88579Y101   751,549 4,260 SH   SOLE   0 0 4,260
ABBOTT LABS COM 002824100   2,127,288 24,491 SH   SOLE   0 0 24,491
ALPHABET INC CAP STK CL A 02079K305   1,411,717 1,054 SH   SOLE   0 0 1,054
ALPHABET INC CAP STK CL C 02079K107   624,388 467 SH   SOLE   0 0 467
AMERICAN EXPRESS CO COM 025816109   373,470 3,000 SH   SOLE   0 0 3,000
AMGEN INC COM 031162100   216,963 900 SH   SOLE   0 0 900
APPLE INC COM 037833100   3,398,118 11,572 SH   SOLE   0 0 11,572
ARK ETF TR GENOMIC REV ETF 00214Q302   268,160 8,000 SH   SOLE   0 0 8,000
BECTON DICKINSON & CO COM 075887109   1,898,623 6,981 SH   SOLE   0 0 6,981
BLACKROCK INVT QUALITY MUN T COM 09247D105   194,750 12,500 SH   SOLE   0 0 12,500
BLACKROCK MUNI INTER DR FD I COM 09253X102   142,400 10,000 SH   SOLE   0 0 10,000
BOSTON SCIENTIFIC CORP COM 101137107   1,157,089 25,588 SH   SOLE   0 0 25,588
BP PLC SPONSORED ADR 055622104   475,901 12,610 SH   SOLE   0 0 12,610
BROADCOM INC COM 11135F101   269,881 854 SH   SOLE   0 0 854
CATERPILLAR INC DEL COM 149123101   206,752 1,400 SH   SOLE   0 0 1,400
CHECK POINT SOFTWARE TECH LT ORD M22465104   574,218 5,175 SH   SOLE   0 0 5,175
CHEVRON CORP NEW COM 166764100   671,602 5,573 SH   SOLE   0 0 5,573
CHUBB LIMITED COM H1467J104   842,121 5,410 SH   SOLE   0 0 5,410
CISCO SYS INC COM 17275R102   307,855 6,419 SH   SOLE   0 0 6,419
CITIGROUP INC COM NEW 172967424   372,208 4,659 SH   SOLE   0 0 4,659
COCA COLA CO COM 191216100   846,302 15,290 SH   SOLE   0 0 15,290
COHEN & STEERS QUALITY RLTY COM 19247L106   342,240 23,000 SH   SOLE   0 0 23,000
COMCAST CORP NEW CL A 20030N101   238,026 5,293 SH   SOLE   0 0 5,293
CONAGRA BRANDS INC COM 205887102   255,430 7,460 SH   SOLE   0 0 7,460
CONOCOPHILLIPS COM 20825C104   918,094 14,118 SH   SOLE   0 0 14,118
CORNING INC COM 219350105   497,781 17,100 SH   SOLE   0 0 17,100
COSTCO WHSL CORP NEW COM 22160K105   1,057,818 3,599 SH   SOLE   0 0 3,599
CSX CORP COM 126408103   225,763 3,120 SH   SOLE   0 0 3,120
DANAHER CORPORATION COM 235851102   1,811,831 11,805 SH   SOLE   0 0 11,805
DISNEY WALT CO COM DISNEY 254687106   843,916 5,835 SH   SOLE   0 0 5,835
DOLLAR TREE INC COM 256746108   1,494,078 15,886 SH   SOLE   0 0 15,886
EXXON MOBIL CORP COM 30231G102   314,010 4,500 SH   SOLE   0 0 4,500
FIRST TR NAS100 EQ WEIGHTED SHS 337344105   811,800 11,000 SH   SOLE   0 0 11,000
FORTIVE CORP COM 34959J108   1,376,395 18,018 SH   SOLE   0 0 18,018
FOX CORP CL B COM 35137L204   299,754 8,235 SH   SOLE   0 0 8,235
GALLAGHER ARTHUR J & CO COM 363576109   993,725 10,435 SH   SOLE   0 0 10,435
GLOBAL PMTS INC COM 37940X102   739,185 4,049 SH   SOLE   0 0 4,049
GLOBAL X FDS FINTECH ETF 37954Y814   243,021 8,000 SH   SOLE   0 0 8,000
GOLDMAN SACHS GROUP INC COM 38141G104   404,447 1,759 SH   SOLE   0 0 1,759
HONEYWELL INTL INC COM 438516106   1,488,039 8,407 SH   SOLE   0 0 8,407
ILLINOIS TOOL WKS INC COM 452308109   290,102 1,615 SH   SOLE   0 0 1,615
INTEL CORP COM 458140100   574,321 9,596 SH   SOLE   0 0 9,596
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241   310,845 8,500 SH   SOLE   0 0 8,500
INVESCO EXCHNG TRADED FD TR S&P SMALLCAP 600 46138G664   340,400 5,000 SH   SOLE   0 0 5,000
INVESCO EXCHNG TRADED FD TR S&P500 LOW VOL 46138E354   753,986 12,924 SH   SOLE   0 0 12,924
INVESCO QQQ TR UNIT SER 1 46090E103   531,525 2,500 SH   SOLE   0 0 2,500
ISHARES TR CORE S&P500 ETF 464287200   1,292,960 4,000 SH   SOLE   0 0 4,000
ISHARES TR S&P 500 GRWT ETF 464287309   1,452,300 7,500 SH   SOLE   0 0 7,500
ISHARES TR RUS 1000 ETF 464287622   231,946 1,300 SH   SOLE   0 0 1,300
ISHARES TR MICRO-CAP ETF 464288869   1,144,135 11,500 SH   SOLE   0 0 11,500
JOHNSON & JOHNSON COM 478160104   612,946 4,202 SH   SOLE   0 0 4,202
JPMORGAN CHASE & CO COM 46625H100   1,544,691 11,081 SH   SOLE   0 0 11,081
L3HARRIS TECHNOLOGIES INC COM 502431109   1,062,364 5,369 SH   SOLE   0 0 5,369
LOWES COS INC COM 548661107   1,198,438 10,007 SH   SOLE   0 0 10,007
M & T BK CORP COM 55261F104   1,320,655 7,780 SH   SOLE   0 0 7,780
MCDONALDS CORP COM 580135101   1,413,109 7,151 SH   SOLE   0 0 7,151
MEDTRONIC PLC SHS G5960L103   214,534 1,891 SH   SOLE   0 0 1,891
MERCK & CO INC COM 58933Y105   306,502 3,370 SH   SOLE   0 0 3,370
MICROSOFT CORP COM 594918104   4,252,381 26,965 SH   SOLE   0 0 26,965
NXP SEMICONDUCTORS N V COM N6596X109   291,553 2,291 SH   SOLE   0 0 2,291
PALO ALTO NETWORKS INC COM 697435105   849,150 3,672 SH   SOLE   0 0 3,672
PAYPAL HLDGS INC COM 70450Y103   564,323 5,217 SH   SOLE   0 0 5,217
PEPSICO INC COM 713448108   865,804 6,335 SH   SOLE   0 0 6,335
PFIZER INC COM 717081103   533,005 13,604 SH   SOLE   0 0 13,604
PROCTER & GAMBLE CO COM 742718109   394,060 3,155 SH   SOLE   0 0 3,155
PRUDENTIAL FINL INC COM 744320102   1,304,298 13,914 SH   SOLE   0 0 13,914
QUALCOMM INC COM 747525103   643,991 7,299 SH   SOLE   0 0 7,299
RAYTHEON CO COM NEW 755111507   753,269 3,428 SH   SOLE   0 0 3,428
S&P GLOBAL INC COM 78409V104   238,919 875 SH   SOLE   0 0 875
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   1,958,655 25,500 SH   SOLE   0 0 25,500
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   686,055 9,070 SH   SOLE   0 0 9,070
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   410,550 15,000 SH   SOLE   0 0 15,000
SCHWAB STRATEGIC TR US REIT ETF 808524847   735,360 16,000 SH   SOLE   0 0 16,000
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,924,800 32,000 SH   SOLE   0 0 32,000
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   637,120 11,000 SH   SOLE   0 0 11,000
SEMPRA ENERGY COM 816851109   707,260 4,669 SH   SOLE   0 0 4,669
SPDR DOW JONES INDL AVRG ETF UT SER 1 78467X109   1,853,150 6,500 SH   SOLE   0 0 6,500
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   618,480 24,000 SH   SOLE   0 0 24,000
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   598,780 13,000 SH   SOLE   0 0 13,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   25,397,007 78,907 SH   SOLE   0 0 78,907
SPDR SERIES TRUST S&P 600 SMCP VAL 78464A300   952,795 14,500 SH   SOLE   0 0 14,500
SPDR SERIES TRUST S&P 600 SMCP GRW 78464A201   903,280 14,000 SH   SOLE   0 0 14,000
SPDR SERIES TRUST S&P DIVID ETF 78464A763   968,130 9,000 SH   SOLE   0 0 9,000
STANLEY BLACK & DECKER INC COM 854502101   205,518 1,240 SH   SOLE   0 0 1,240
STRYKER CORP COM 863667101   1,466,641 6,986 SH   SOLE   0 0 6,986
SYSCO CORP COM 871829107   249,435 2,916 SH   SOLE   0 0 2,916
THERMO FISHER SCIENTIFIC INC COM 883556102   555,528 1,710 SH   SOLE   0 0 1,710
TRUIST FINL CORP COM 89832Q109   644,695 11,447 SH   SOLE   0 0 11,447
TRUSTMARK CORP COM 898402102   427,924 12,400 SH   SOLE   0 0 12,400
UNION PACIFIC CORP COM 907818108   559,183 3,093 SH   SOLE   0 0 3,093
UNITED PARCEL SERVICE INC CL B 911312106   228,267 1,950 SH   SOLE   0 0 1,950
UNITED TECHNOLOGIES CORP COM 913017109   1,091,750 7,290 SH   SOLE   0 0 7,290
UNITEDHEALTH GROUP INC COM 91324P102   222,249 756 SH   SOLE   0 0 756
US BANCORP DEL COM NEW 902973304   659,364 11,121 SH   SOLE   0 0 11,121
VANGUARD GROUP DIV APP ETF 921908844   498,640 4,000 SH   SOLE   0 0 4,000
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,970,803 12,045 SH   SOLE   0 0 12,045
VANGUARD INDEX FDS MID CAP ETF 922908629   1,737,255 9,750 SH   SOLE   0 0 9,750
VANGUARD INDEX FDS SMALL CP ETF 922908751   1,358,248 8,200 SH   SOLE   0 0 8,200
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,091,110 10,450 SH   SOLE   0 0 10,450
VISA INC COM CL A 92826C839   3,180,020 16,924 SH   SOLE   0 0 16,924
W P CAREY INC COM 92936U109   256,128 3,200 SH   SOLE   0 0 3,200
WALMART INC COM 931142103   306,845 2,582 SH   SOLE   0 0 2,582
ZOETIS INC CL A 98978V103   990,904 7,487 SH   SOLE   0 0 7,487