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
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 489 1,761 SH   SOLE 0 0 0 1,761
ISHARES TR CORE S&P MCP ETF 464287507 221 1,195 SH   SOLE 0 0 0 1,195
ISHARES TR CORE S&P SCP ETF 464287804 202 2,871 SH   SOLE 0 0 0 2,871
ISHARES TR CORE S&P500 ETF 464287200 1,108 3,297 SH   SOLE 0 0 0 3,297
ISHARES TR RUS 1000 ETF 464287622 1,204 6,433 SH   SOLE 0 0 0 6,433
ISHARES TR RUS 1000 VAL ETF 464287598 877 7,425 SH   SOLE 0 0 0 7,425
ISHARES TR RUS 1000 GRW ETF 464287614 6,608 30,467 SH   SOLE 0 0 0 30,467
ISHARES TR RUSSELL 2000 ETF 464287655 306 2,040 SH   SOLE 0 0 0 2,040
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,278 9,787 SH   SOLE 0 0 0 9,787
ADOBE SYSTEMS INCORPORATED COM 00724F101 9,152 18,662 SH   SOLE 0 0 0 18,662
AMAZON COM INC COM 023135106 31,363 9,961 SH   SOLE 0 0 0 9,961
BRISTOL-MYERS SQUIBB CO COM 110122108 562 9,324 SH   SOLE 0 0 0 9,324
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 19,957 93,721 SH   SOLE 0 0 0 93,721
BOEING CO COM 097023105 450 2,725 SH   SOLE 0 0 0 2,725
INVESCO QQQ TR UNIT SER 1 46090E103 1,210 4,357 SH   SOLE 0 0 0 4,357
AMGEN INC COM 031162100 7,905 31,103 SH   SOLE 0 0 0 31,103
ABBOTT LABS COM 002824100 8,988 82,586 SH   SOLE 0 0 0 82,586
ADVANCED MICRO DEVICES INC COM 007903107 273 3,329 SH   SOLE 0 0 0 3,329
ALTRIA GROUP INC COM 02209S103 575 14,884 SH   SOLE 0 0 0 14,884
INTEL CORP COM 458140100 10,929 211,063 SH   SOLE 0 0 0 211,063
ORACLE CORP COM 68389X105 201 3,373 SH   SOLE 0 0 0 3,373
QUALCOMM INC COM 747525103 16,807 142,824 SH   SOLE 0 0 0 142,824
DISNEY WALT CO COM DISNEY 254687106 15,071 121,461 SH   SOLE 0 0 0 121,461
HONEYWELL INTL INC COM 438516106 3,170 19,260 SH   SOLE 0 0 0 19,260
SYSCO CORP COM 871829107 202 3,254 SH   SOLE 0 0 0 3,254
US BANCORP DEL COM NEW 902973304 286 7,986 SH   SOLE 0 0 0 7,986
JOHNSON & JOHNSON COM 478160104 25,499 171,275 SH   SOLE 0 0 0 171,275
MEDTRONIC PLC SHS G5960L103 1,096 10,547 SH   SOLE 0 0 0 10,547
PFIZER INC COM 717081103 18,159 494,792 SH   SOLE 0 0 0 494,792
LOWES COS INC COM 548661107 817 4,923 SH   SOLE 0 0 0 4,923
CHEVRON CORP NEW COM 166764100 7,771 107,933 SH   SOLE 0 0 0 107,933
MICROSOFT CORP COM 594918104 40,393 192,044 SH   SOLE 0 0 0 192,044
UNITED PARCEL SERVICE INC CL B 911312106 12,317 73,921 SH   SOLE 0 0 0 73,921
AT&T INC COM 00206R102 3,039 106,583 SH   SOLE 0 0 0 106,583
TRUIST FINL CORP COM 89832Q109 233 6,130 SH   SOLE 0 0 0 6,130
CITIGROUP INC COM NEW 172967424 8,408 195,029 SH   SOLE 0 0 0 195,029
INGREDION INC COM 457187102 295 3,897 SH   SOLE 0 0 0 3,897
CISCO SYS INC COM 17275R102 786 19,951 SH   SOLE 0 0 0 19,951
DNP SELECT INCOME FD INC COM 23325P104 145 14,398 SH   SOLE 0 0 0 14,398
INTERNATIONAL BUSINESS MACHS COM 459200101 1,159 9,523 SH   SOLE 0 0 0 9,523
COCA COLA CO COM 191216100 2,283 46,242 SH   SOLE 0 0 0 46,242
LOCKHEED MARTIN CORP COM 539830109 1,180 3,078 SH   SOLE 0 0 0 3,078
PEPSICO INC COM 713448108 15,022 108,387 SH   SOLE 0 0 0 108,387
PPG INDS INC COM 693506107 758 6,206 SH   SOLE 0 0 0 6,206
VERIZON COMMUNICATIONS INC COM 92343V104 18,424 309,703 SH   SOLE 0 0 0 309,703
SPDR SER TR PRTFLO S&P500 GW 78464A409 5,238 104,523 SH   SOLE 0 0 0 104,523
SPDR SER TR PORTFOLI S&P1500 78464A805 2,837 69,393 SH   SOLE 0 0 0 69,393
SELECT SECTOR SPDR TR ENERGY 81369Y506 7,353 245,497 SH   SOLE 0 0 0 245,497
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 595 5,097 SH   SOLE 0 0 0 5,097
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 23,283 180,965 SH   SOLE 0 0 0 180,965
BK OF AMERICA CORP COM 060505104 358 14,869 SH   SOLE 0 0 0 14,869
STARBUCKS CORP COM 855244109 7,626 88,754 SH   SOLE 0 0 0 88,754
EXXON MOBIL CORP COM 30231G102 3,851 112,176 SH   SOLE 0 0 0 112,176
WALMART INC COM 931142103 24,872 177,773 SH   SOLE 0 0 0 177,773
ASTRAZENECA PLC SPONSORED ADR 046353108 1,731 31,595 SH   SOLE 0 0 0 31,595
TEXAS INSTRS INC COM 882508104 619 4,337 SH   SOLE 0 0 0 4,337
BAXTER INTL INC COM 071813109 9,302 115,669 SH   SOLE 0 0 0 115,669
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 20,837 257,021 SH   SOLE 0 0 0 257,021
TARGET CORP COM 87612E106 261 1,660 SH   SOLE 0 0 0 1,660
COSTCO WHSL CORP NEW COM 22160K105 7,717 21,737 SH   SOLE 0 0 0 21,737
LILLY ELI & CO COM 532457108 552 3,732 SH   SOLE 0 0 0 3,732
CVS HEALTH CORP COM 126650100 215 3,686 SH   SOLE 0 0 0 3,686
DOMINION ENERGY INC COM 25746U109 590 7,478 SH   SOLE 0 0 0 7,478
DIAGEO PLC SPON ADR NEW 25243Q205 222 1,613 SH   SOLE 0 0 0 1,613
DANAHER CORPORATION COM 235851102 18,514 85,980 SH   SOLE 0 0 0 85,980
MERCK & CO. INC COM 58933Y105 12,511 150,824 SH   SOLE 0 0 0 150,824
RAYMOND JAMES FINL INC COM 754730109 206 2,833 SH   SOLE 0 0 0 2,833
PROCTER AND GAMBLE CO COM 742718109 15,187 109,267 SH   SOLE 0 0 0 109,267
KIMBERLY CLARK CORP COM 494368103 805 5,451 SH   SOLE 0 0 0 5,451
GOLDMAN SACHS GROUP INC COM 38141G104 9,192 45,737 SH   SOLE 0 0 0 45,737
HOME DEPOT INC COM 437076102 3,248 11,697 SH   SOLE 0 0 0 11,697
MCDONALDS CORP COM 580135101 13,178 60,037 SH   SOLE 0 0 0 60,037
NIKE INC CL B 654106103 490 3,902 SH   SOLE 0 0 0 3,902
JPMORGAN CHASE & CO COM 46625H100 16,095 167,188 SH   SOLE 0 0 0 167,188
TJX COS INC NEW COM 872540109 13,175 236,752 SH   SOLE 0 0 0 236,752
MONDELEZ INTL INC CL A 609207105 286 4,976 SH   SOLE 0 0 0 4,976
WILLIAMS COS INC COM 969457100 6,810 346,557 SH   SOLE 0 0 0 346,557
ISHARES TR IBOXX INV CP ETF 464287242 334 2,482 SH   SOLE 0 0 0 2,482
XCEL ENERGY INC COM 98389B100 228 3,310 SH   SOLE 0 0 0 3,310
UNITEDHEALTH GROUP INC COM 91324P102 224 719 SH   SOLE 0 0 0 719
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 13,429 59,424 SH   SOLE 0 0 0 59,424
AMERICAN TOWER CORP NEW COM 03027X100 2,242 9,276 SH   SOLE 0 0 0 9,276
RAYTHEON TECHNOLOGIES CORP COM 75513E101 5,734 99,644 SH   SOLE 0 0 0 99,644
3M CO COM 88579Y101 415 2,591 SH   SOLE 0 0 0 2,591
COMCAST CORP NEW CL A 20030N101 882 19,056 SH   SOLE 0 0 0 19,056
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,468 8,617 SH   SOLE 0 0 0 8,617
WASTE MGMT INC DEL COM 94106L109 353 3,121 SH   SOLE 0 0 0 3,121
NORFOLK SOUTHN CORP COM 655844108 298 1,394 SH   SOLE 0 0 0 1,394
NEXTERA ENERGY INC COM 65339F101 8,412 30,307 SH   SOLE 0 0 0 30,307
DUKE ENERGY CORP NEW COM NEW 26441C204 852 9,616 SH   SOLE 0 0 0 9,616
CONSTELLATION BRANDS INC CL A 21036P108 1,572 8,297 SH   SOLE 0 0 0 8,297
APPLE INC COM 037833100 37,182 321,056 SH   SOLE 0 0 0 321,056
SPDR SER TR PRTFLO S&P500 VL 78464A508 4,095 135,582 SH   SOLE 0 0 0 135,582
CATERPILLAR INC DEL COM 149123101 230 1,544 SH   SOLE 0 0 0 1,544
ELECTRONIC ARTS INC COM 285512109 7,013 53,777 SH   SOLE 0 0 0 53,777
CHUBB LIMITED COM H1467J104 7,756 66,794 SH   SOLE 0 0 0 66,794
ROSS STORES INC COM 778296103 341 3,657 SH   SOLE 0 0 0 3,657
ROYAL CARIBBEAN GROUP COM V7780T103 219 3,384 SH   SOLE 0 0 0 3,384
AMERICAN EXPRESS CO COM 025816109 580 5,787 SH   SOLE 0 0 0 5,787
GENERAL MLS INC COM 370334104 247 4,010 SH   SOLE 0 0 0 4,010
S&P GLOBAL INC COM 78409V104 1,026 2,845 SH   SOLE 0 0 0 2,845
EASTMAN CHEM CO COM 277432100 438 5,601 SH   SOLE 0 0 0 5,601
GENERAL DYNAMICS CORP COM 369550108 207 1,499 SH   SOLE 0 0 0 1,499
SOUTHERN CO COM 842587107 1,828 33,712 SH   SOLE 0 0 0 33,712
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,061 24,535 SH   SOLE 0 0 0 24,535
PAYCHEX INC COM 704326107 14,903 186,823 SH   SOLE 0 0 0 186,823
NORTHROP GRUMMAN CORP COM 666807102 325 1,030 SH   SOLE 0 0 0 1,030
VALERO ENERGY CORP COM 91913Y100 827 19,083 SH   SOLE 0 0 0 19,083
PNC FINL SVCS GROUP INC COM 693475105 774 7,044 SH   SOLE 0 0 0 7,044
NETFLIX INC COM 64110L106 245 490 SH   SOLE 0 0 0 490
ISHARES TR CORE US AGGBD ET 464287226 23,734 201,035 SH   SOLE 0 0 0 201,035
JETBLUE AWYS CORP COM 477143101 289 25,467 SH   SOLE 0 0 0 25,467
AIR PRODS & CHEMS INC COM 009158106 1,164 3,907 SH   SOLE 0 0 0 3,907
CONSOLIDATED EDISON INC COM 209115104 267 3,436 SH   SOLE 0 0 0 3,436
NVIDIA CORPORATION COM 67066G104 568 1,050 SH   SOLE 0 0 0 1,050
TRAVELERS COMPANIES INC COM 89417E109 244 2,257 SH   SOLE 0 0 0 2,257
MANULIFE FINL CORP COM 56501R106 329 23,625 SH   SOLE 0 0 0 23,625
AMERICAN ELEC PWR CO INC COM 025537101 735 8,992 SH   SOLE 0 0 0 8,992
EATON CORP PLC SHS G29183103 483 4,729 SH   SOLE 0 0 0 4,729
SNAP ON INC COM 833034101 558 3,789 SH   SOLE 0 0 0 3,789
MOODYS CORP COM 615369105 295 1,018 SH   SOLE 0 0 0 1,018
HUMANA INC COM 444859102 7,876 19,029 SH   SOLE 0 0 0 19,029
FACTSET RESH SYS INC COM 303075105 965 2,880 SH   SOLE 0 0 0 2,880
CUMMINS INC COM 231021106 352 1,667 SH   SOLE 0 0 0 1,667
BECTON DICKINSON & CO COM 075887109 461 1,981 SH   SOLE 0 0 0 1,981
ENTERPRISE PRODS PARTNERS L COM 293792107 186 11,748 SH   SOLE 0 0 0 11,748
ALPHABET INC CAP STK CL A 02079K305 19,397 13,235 SH   SOLE 0 0 0 13,235
SPDR GOLD TR GOLD SHS 78463V107 223 1,261 SH   SOLE 0 0 0 1,261
WEC ENERGY GROUP INC COM 92939U106 205 2,111 SH   SOLE 0 0 0 2,111
VANGUARD INDEX FDS VALUE ETF 922908744 599 5,734 SH   SOLE 0 0 0 5,734
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 590 2,891 SH   SOLE 0 0 0 2,891
VANGUARD INDEX FDS MID CAP ETF 922908629 2,267 12,861 SH   SOLE 0 0 0 12,861
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 2,445 30,971 SH   SOLE 0 0 0 30,971
PACKAGING CORP AMER COM 695156109 11,599 106,362 SH   SOLE 0 0 0 106,362
TORONTO DOMINION BK ONT COM NEW 891160509 1,101 23,808 SH   SOLE 0 0 0 23,808
VANGUARD INDEX FDS SMALL CP ETF 922908751 5,558 36,140 SH   SOLE 0 0 0 36,140
VANGUARD INDEX FDS GROWTH ETF 922908736 883 3,880 SH   SOLE 0 0 0 3,880
REPUBLIC SVCS INC COM 760759100 13,404 143,586 SH   SOLE 0 0 0 143,586
NUVEEN QUALITY MUNCP INCOME COM 67066V101 155 10,643 SH   SOLE 0 0 0 10,643
VANGUARD WORLD FDS FINANCIALS ETF 92204A405 618 10,571 SH   SOLE 0 0 0 10,571
DELAWARE INVTS DIV & INCOME COM 245915103 145 18,000 SH   SOLE 0 0 0 18,000
VANGUARD WORLD FDS UTILITIES ETF 92204A876 353 2,735 SH   SOLE 0 0 0 2,735
INVESCO EXCHANGE TRADED FD T S&P500 QUALITY 46137V241 1,440 37,259 SH   SOLE 0 0 0 37,259
BROOKFIELD ASSET MGMT INC CL A LTD VT SH 112585104 874 26,424 SH   SOLE 0 0 0 26,424
SALESFORCE COM INC COM 79466L302 19,100 76,000 SH   SOLE 0 0 0 76,000
ROPER TECHNOLOGIES INC COM 776696106 9,252 23,417 SH   SOLE 0 0 0 23,417
VANGUARD WORLD FDS INF TECH ETF 92204A702 1,176 3,775 SH   SOLE 0 0 0 3,775
VANGUARD WORLD FDS CONSUM DIS ETF 92204A108 357 1,523 SH   SOLE 0 0 0 1,523
VALLEY NATL BANCORP COM 919794107 210 30,710 SH   SOLE 0 0 0 30,710
MASTERCARD INCORPORATED CL A 57636Q104 1,627 4,810 SH   SOLE 0 0 0 4,810
ISHARES TR CORE S&P TTL STK 464287150 328 4,343 SH   SOLE 0 0 0 4,343
VANGUARD INDEX FDS LARGE CAP ETF 922908637 337 2,152 SH   SOLE 0 0 0 2,152
HEICO CORP NEW CL A 422806208 942 10,623 SH   SOLE 0 0 0 10,623
HEICO CORP NEW COM 422806109 842 8,041 SH   SOLE 0 0 0 8,041
ARES CAPITAL CORP COM 04010L103 230 16,516 SH   SOLE 0 0 0 16,516
FIRST TR MORNINGSTAR DIVID L SHS 336917109 739 28,373 SH   SOLE 0 0 0 28,373
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 383 7,592 SH   SOLE 0 0 0 7,592
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 14,517 174,804 SH   SOLE 0 0 0 174,804
SPDR SER TR PORTFOLIO S&P400 78464A847 1,014 31,062 SH   SOLE 0 0 0 31,062
DISCOVER FINL SVCS COM 254709108 8,959 155,051 SH   SOLE 0 0 0 155,051
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 2,659 32,850 SH   SOLE 0 0 0 32,850
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 4,045 98,904 SH   SOLE 0 0 0 98,904
ISHARES TR NATIONAL MUN ETF 464288414 277 2,391 SH   SOLE 0 0 0 2,391
FIRST TR EXCHANGE TRADED FD HLTH CARE ALPH 33734X143 449 4,735 SH   SOLE 0 0 0 4,735
VISA INC COM CL A 92826C839 17,801 89,019 SH   SOLE 0 0 0 89,019
PHILIP MORRIS INTL INC COM 718172109 537 7,158 SH   SOLE 0 0 0 7,158
SPDR SER TR PORTFOLIO S&P500 78464A854 4,181 106,258 SH   SOLE 0 0 0 106,258
DISCOVERY INC COM SER C 25470F302 282 14,367 SH   SOLE 0 0 0 14,367
UNITED INS HLDGS CORP COM 910710102 82 13,500 SH   SOLE 0 0 0 13,500
DIREXION SHS ETF TR DLY ENRGY BULL2X 25460G609 159 17,015 SH   SOLE 0 0 0 17,015
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 1,719 16,860 SH   SOLE 0 0 0 16,860
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 2,449 29,555 SH   SOLE 0 0 0 29,555
TESLA INC COM 88160R101 208 485 SH   SOLE 0 0 0 485
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 419 1,880 SH   SOLE 0 0 0 1,880
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 209 2,012 SH   SOLE 0 0 0 2,012
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,043 6,640 SH   SOLE 0 0 0 6,640
FACEBOOK INC CL A 30303M102 802 3,062 SH   SOLE 0 0 0 3,062
ABBVIE INC COM 00287Y109 528 6,027 SH   SOLE 0 0 0 6,027
ZOETIS INC CL A 98978V103 7,508 45,403 SH   SOLE 0 0 0 45,403
ISHARES TR MSCI USA QLT FCT 46432F339 1,491 14,374 SH   SOLE 0 0 0 14,374
SPDR SER TR PORTFOLIO S&P600 78468R853 1,196 43,671 SH   SOLE 0 0 0 43,671
ISHARES TR ULTR SH TRM BD 46434V878 2,497 49,382 SH   SOLE 0 0 0 49,382
ALPHABET INC CAP STK CL C 02079K107 1,755 1,194 SH   SOLE 0 0 0 1,194
FIRST TR EXCH TRADED FD III MANAGD MUN ETF 33739N108 518 9,308 SH   SOLE 0 0 0 9,308
NEXTERA ENERGY PARTNERS LP COM UNIT PART IN 65341B106 2,651 44,217 SH   SOLE 0 0 0 44,217
SPDR SER TR PRTFLO S&P500 HI 78468R788 597 21,787 SH   SOLE 0 0 0 21,787
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 317 4,408 SH   SOLE 0 0 0 4,408
CHARTER COMMUNICATIONS INC N CL A 16119P108 268 430 SH   SOLE 0 0 0 430
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 313 6,161 SH   SOLE 0 0 0 6,161