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
THE COCA-COLA CO COM 191216100 6,538 103,933 SH   SOLE NONE 0 0 103,933
MICROSOFT CORP COM 594918104 5,239 20,399 SH   SOLE NONE 0 0 20,399
SCHWAB SHORT TERM US TREASURY ETF SHT TM US TRES 808524862 5,041 102,488 SH   SOLE NONE 0 0 102,488
APPLE INC COM 037833100 4,781 34,972 SH   SOLE NONE 0 0 34,972
EXXON MOBIL CORP COM 30231G102 4,506 52,613 SH   SOLE NONE 0 0 52,613
SCHWAB US BROAD MARKET ETF US BRD MKT ETF 808524102 4,249 96,146 SH   SOLE NONE 0 0 96,146
NORTHROP GRUMMAN CORP COM 666807102 4,115 8,599 SH   SOLE NONE 0 0 8,599
PGIM SHORT DURATION HIGH COM 69355J104 3,855 258,545 SH   SOLE NONE 0 0 258,545
ABBVIE INC COM 00287Y109 3,747 24,462 SH   SOLE NONE 0 0 24,462
JPMORGAN CHASE & CO COM 46625H100 3,666 32,559 SH   SOLE NONE 0 0 32,559
STRYKER CORP COM 863667101 2,861 14,384 SH   SOLE NONE 0 0 14,384
CVS HEALTH CORP COM 126650100 2,827 30,508 SH   SOLE NONE 0 0 30,508
TRUIST FINL CORP COM 89832Q109 2,719 57,326 SH   SOLE NONE 0 0 57,326
PFIZER INC COM 717081103 2,566 48,951 SH   SOLE NONE 0 0 48,951
JOHNSON & JOHNSON COM 478160104 2,363 13,312 SH   SOLE NONE 0 0 13,312
EMERSON ELECTRIC CO COM 291011104 2,132 26,803 SH   SOLE NONE 0 0 26,803
VERIZON COMMUNICATN COM 92343V104 1,976 38,935 SH   SOLE NONE 0 0 38,935
A T & T INC COM 00206R102 1,958 93,401 SH   SOLE NONE 0 0 93,401
CISCO SYSTEMS INC COM 17275R102 1,904 44,647 SH   SOLE NONE 0 0 44,647
SCHWAB INTERNATIONAL EQUITY ETF INTL EQTY ETF 808524805 1,889 60,069 SH   SOLE NONE 0 0 60,069
GLOBAL X U.S. PREFERRED ETF US PFD ETF 37954Y657 1,872 88,274 SH   SOLE NONE 0 0 88,274
AMERICAN EXPRESS CO COM 025816109 1,855 13,382 SH   SOLE NONE 0 0 13,382
CHEVRON CORP COM 166764100 1,833 12,664 SH   SOLE NONE 0 0 12,664
ABBOTT LABORATORIES COM 002824100 1,764 16,240 SH   SOLE NONE 0 0 16,240
ISHARES PREFERRED INCOMESEC ETF PFD AND INCM SEC 464288687 1,662 50,561 SH   SOLE NONE 0 0 50,561
PEPSICO INC COM 713448108 1,620 9,722 SH   SOLE NONE 0 0 9,722
NUVEEN AMT FREE MUNICIPA COM 670695105 1,597 112,893 SH   SOLE NONE 0 0 112,893
SCHWAB US DIVIDEND EQUITY ETF US DIVIDEND EQ 808524797 1,546 21,585 SH   SOLE NONE 0 0 21,585
AMAZON.COM INC COM 023135106 1,459 13,740 SH   SOLE NONE 0 0 13,740
PARAMOUNT GLOBAL CLASS B CLASS B COM 92556H206 1,315 53,297 SH   SOLE NONE 0 0 53,297
RAYTHEON TECHNOLOGIES CO COM 75513E101 1,288 13,400 SH   SOLE NONE 0 0 13,400
WALMART INC COM 931142103 1,035 8,510 SH   SOLE NONE 0 0 8,510
QUALCOMM INC COM 747525103 991 7,755 SH   SOLE NONE 0 0 7,755
SCHWAB US TIPS ETF US TIPS ETF 808524870 900 16,130 SH   SOLE NONE 0 0 16,130
VANGUARD SHORT-TERM BONDETF SHORT TRM BOND 921937827 817 10,643 SH   SOLE NONE 0 0 10,643
CARRIER GLOBAL CORP COM 14448C104 775 21,740 SH   SOLE NONE 0 0 21,740
DARDEN RESTAURANTS COM 237194105 750 6,628 SH   SOLE NONE 0 0 6,628
NUVEEN OHIO QLTY MNCPL I COM 670980101 733 57,830 SH   SOLE NONE 0 0 57,830
NOVARTIS AG SPONSORED ADR 66987V109 676 8,000 SH   SOLE NONE 0 0 8,000
SCHWAB US LARGE CAP VALUE ETF US LCAP VA ETF 808524409 657 10,529 SH   SOLE NONE 0 0 10,529
CRACKER BARREL OLD COUNT COM 22410J106 626 7,500 SH   SOLE NONE 0 0 7,500
OTIS WORLDWIDE CORP COM 68902V107 450 6,374 SH   SOLE NONE 0 0 6,374
WARNER BROTHERS DISCOVER COM SER A 934423104 446 33,253 SH   SOLE NONE 0 0 33,253
WALGREENS BOOTS ALLI COM 931427108 395 10,417 SH   SOLE NONE 0 0 10,417
NEXTERA ENERGY INC COM 65339F101 342 4,412 SH   SOLE NONE 0 0 4,412
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 317 5,065 SH   SOLE NONE 0 0 5,065
CHARLES SCHWAB US MC ETF US MID-CAP ETF 808524508 315 5,015 SH   SOLE NONE 0 0 5,015
SCHWAB US LARGE CAP ETF US LRG CAP ETF 808524201 307 6,880 SH   SOLE NONE 0 0 6,880
SPDR S&P 500 ETF TR UNIT 78462F103 284 752 SH   SOLE NONE 0 0 752
ENERGY SELECT SECTOR SPDR ETF ENERGY 81369Y506 270 3,776 SH   SOLE NONE 0 0 3,776
SCHWAB US LARGE CAP GROWTH ETF US LCAP GR ETF 808524300 248 4,281 SH   SOLE NONE 0 0 4,281
ISHARES RUSSELL 3000 ETF RUSSELL 3000 ETF 464287689 240 1,102 SH   SOLE NONE 0 0 1,102
SELECT SECTOR UTI SELECTSPDR ETF SBI INT-UTILS 81369Y886 223 3,185 SH   SOLE NONE 0 0 3,185
PROCTER & GAMBLE COM 742718109 217 1,509 SH   SOLE NONE 0 0 1,509
SCHWAB US SMALL CAP ETF US SML CAP ETF 808524607 215 5,503 SH   SOLE NONE 0 0 5,503
WALT DISNEY CO COM 254687106 211 2,232 SH   SOLE NONE 0 0 2,232
SCHWAB US AGGREGATE BONDETF US AGGREGATE B 808524839 205 4,292 SH   SOLE NONE 0 0 4,292