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 436,692 3,195 SH Put SOLE   2,500 0 695
ABBOTT LABS COM 002824100 BBG001S5N9M6 1,703,848 14,945 SH Put SOLE   10,937 0 4,007
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 3,378,668 17,109 SH Put SOLE   13,820 0 3,289
ADOBE INC COM 00724F101 BBG001S5NCQ5 466,002 900 SH Put SOLE   100 0 800
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 447,938 2,730 SH Put SOLE   1,930 0 800
AFLAC INC COM 001055102 BBG001S5NGJ4 2,554,621 22,850 SH Put SOLE   22,050 0 800
AIR PRODS & CHEMS INC COM 009158106 BBG001S5NSB6 569,874 1,914 SH Put SOLE   1,914 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 6,223,853 37,527 SH Put SOLE   30,827 0 6,700
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 1,367,837 8,181 SH Put SOLE   4,481 0 3,700
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 1,664,868 32,619 SH Put SOLE   31,369 0 1,250
AMAZON COM INC COM 023135106 BBG001S5PQL7 8,386,527 45,009 SH Put SOLE   37,809 0 7,200
AMER STATES WTR CO COM 029899101 BBG001S9T5Z6 233,212 2,800 SH Put SOLE   2,800 0 0
AMERICAN ELEC PWR CO INC COM 025537101 BBG001S5NFD2 294,458 2,870 SH Put SOLE   2,496 0 374
AMERICAN TOWER CORP NEW COM 03027X100 BBG001S5NPQ6 325,274 1,399 SH Put SOLE   1,399 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 760,940 2,362 SH Put SOLE   2,178 0 184
APPLE INC COM 037833100 BBG001S5N8V8 13,646,530 58,569 SH Put SOLE   49,696 0 8,872
AT&T INC COM 00206R102 BBG001S5VWH2 512,518 23,296 SH Put SOLE   23,296 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 BBG001S82KF6 1,947,981 7,039 SH Put SOLE   5,467 0 1,572
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 263,983 6,653 SH Put SOLE   6,653 0 0
BECTON DICKINSON & CO COM 075887109 BBG001S5P374 1,538,118 6,380 SH Put SOLE   4,608 0 1,772
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 993,241 2,158 SH Put SOLE   1,991 0 167
BLACKROCK INC COM 09247X101 BBG001SDBP55 998,490 1,052 SH Put SOLE   1,002 0 50
BLACKSTONE INC COM 09260D107 BBG001S7H949 438,411 2,863 SH Put SOLE   2,000 0 863
BROADCOM INC COM 11135F101 BBG00KHY5SY8 631,350 3,660 SH Put SOLE   3,050 0 610
BWX TECHNOLOGIES INC COM 05605H100 BBG001SGJPH7 570,675 5,250 SH Put SOLE   4,250 0 1,000
CAPITAL GROUP DIVIDEND GROWE SHS ETF 14021L109 BBG01J9W2L17 311,747 10,148 SH Put SOLE   9,353 0 795
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 BBG015H8BXT5 218,932 6,008 SH Put SOLE   5,334 0 674
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 BBG015DMY5P8 205,122 5,896 SH Put SOLE   4,943 0 953
CATERPILLAR INC COM 149123101 BBG001S5PJ06 658,837 1,684 SH Put SOLE   1,346 0 338
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,374,149 9,331 SH Put SOLE   8,596 0 735
CISCO SYS INC COM 17275R102 BBG001S6HC62 424,759 7,981 SH Put SOLE   7,981 0 0
CITIGROUP INC COM NEW 172967424 BBG001S72ZG4 468,874 7,490 SH Put SOLE   6,490 0 1,000
COCA COLA CO COM 191216100 BBG001S5SMQ8 1,059,754 14,747 SH Put SOLE   13,947 0 800
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 854,706 964 SH Put SOLE   964 0 0
CSX CORP COM 126408103 BBG001S5Q7Q3 227,035 6,575 SH Put SOLE   6,575 0 0
CVS HEALTH CORP COM 126650100 BBG001S5QBD8 324,084 5,154 SH Put SOLE   5,154 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 258,904 2,692 SH Put SOLE   2,692 0 0
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 520,701 9,010 SH Put SOLE   9,010 0 0
DOVER CORP COM 260003108 BBG001S5QL46 287,610 1,500 SH Put SOLE   1,500 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 304,358 2,640 SH Put SOLE   2,640 0 0
EATON CORP PLC SHS G29183103 BBG001S5QZ45 430,872 1,300 SH Put SOLE   1,300 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 2,105,177 2,376 SH Put SOLE   2,376 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 572,869 5,238 SH Put SOLE   5,238 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 2,698,249 23,019 SH Put SOLE   23,019 0 0
GALLAGHER ARTHUR J & CO COM 363576109 BBG001S5NKC2 326,182 1,159 SH Put SOLE   1,050 0 109
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 329,811 1,749 SH Put SOLE   1,749 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 373,233 5,054 SH Put SOLE   5,054 0 0
GOLDMAN SACHS GROUP INC COM 38141G104 BBG001SC07Z6 247,555 500 SH Put SOLE   400 0 100
HALOZYME THERAPEUTICS INC COM 40637H109 BBG001SGX585 618,192 10,800 SH Put SOLE   6,800 0 4,000
HANESBRANDS INC COM 410345102 BBG001SMCKB8 95,550 13,000 SH Put SOLE   13,000 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 317,328 783 SH Put SOLE   783 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 207,698 1,005 SH Put SOLE   1,005 0 0
HORMEL FOODS CORP COM 440452100 BBG001S5S0D0 538,900 17,000 SH Put SOLE   17,000 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 598,250 2,706 SH Put SOLE   2,706 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 BBG00KJR2V68 647,296 17,170 SH Put SOLE   17,170 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 223,899 3,900 SH Put SOLE   3,900 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 303,407 526 SH Put SOLE   526 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 237,615 4,683 SH Put SOLE   4,683 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 2,719,574 16,781 SH Put SOLE   15,539 0 1,242
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 2,368,077 11,231 SH Put SOLE   10,731 0 500
KIMBERLY-CLARK CORP COM 494368103 BBG001S5SLZ0 200,824 1,411 SH Put SOLE   1,174 0 237
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 1,066,323 4,483 SH Put SOLE   4,483 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 386,232 1,426 SH Put SOLE   1,426 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 654,787 2,150 SH Put SOLE   2,050 0 100
MERCK & CO INC COM 58933Y105 BBG001S5TC52 205,203 1,807 SH Put SOLE   1,807 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 9,815,293 22,810 SH Put SOLE   20,565 0 2,245
NEXTERA ENERGY INC COM 65339F101 BBG001S5RB29 518,761 6,137 SH Put SOLE   6,137 0 0
NORFOLK SOUTHN CORP COM 655844108 BBG001S5TQJ6 985,007 3,964 SH Put SOLE   3,964 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,963,170 16,166 SH Put SOLE   13,166 0 3,000
PEPSICO INC COM 713448108 BBG001S695T1 803,782 4,727 SH Put SOLE   4,727 0 0
PFIZER INC COM 717081103 BBG001S5V466 277,498 9,589 SH Put SOLE   9,589 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 866,833 7,140 SH Put SOLE   6,840 0 300
PHILLIPS 66 COM 718546104 BBG00286S4P7 1,020,271 7,762 SH Put SOLE   7,454 0 308
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 6,055,319 34,961 SH Put SOLE   22,041 0 12,920
QUALCOMM INC COM 747525103 BBG001S6VS70 633,287 3,724 SH Put SOLE   3,724 0 0
REALTY INCOME CORP COM 756109104 BBG001S884K0 855,109 13,483 SH Put SOLE   13,483 0 0
RPM INTL INC COM 749685103 BBG001S7X317 314,600 2,600 SH Put SOLE   2,600 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 595,138 4,912 SH Put SOLE   4,330 0 582
SALESFORCE INC COM 79466L302 BBG001SDLP09 271,547 992 SH Put SOLE   492 0 500
SOUTHERN CO COM 842587107 BBG001S5W777 277,304 3,075 SH Put SOLE   3,075 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 1,284,783 13,179 SH Put SOLE   11,479 0 1,700
TARGET CORP COM 87612E106 BBG001SC0K41 393,547 2,525 SH Put SOLE   1,180 0 1,345
THOMSON REUTERS CORP. COM 884903808 BBG001S5WSW3 300,938 1,764 SH Put SOLE   1,764 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 1,490,750 2,550 SH Put SOLE   2,550 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 3,609,273 46,054 SH Put SOLE   45,596 0 458
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 BBG001ST39S0 3,658,967 48,676 SH Put SOLE   48,589 0 87
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 7,606,513 96,664 SH Put SOLE   96,275 0 389
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 5,467,894 72,798 SH Put SOLE   72,341 0 458
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 17,840,343 354,820 SH Put SOLE   353,427 0 1,392
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 5,354,874 29,424 SH Put SOLE   29,124 0 300
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 23,114,574 60,205 SH Put SOLE   59,826 0 379
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 27,949,711 106,156 SH Put SOLE   99,972 0 6,184
VANGUARD INDEX FDS MID CAP ETF 922908629 BBG001SHVTS1 22,201,114 84,149 SH Put SOLE   80,321 0 3,828
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 520,985 987 SH Put SOLE   987 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 BBG001SHVTR2 681,447 3,394 SH Put SOLE   2,394 0 1,000
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 16,903,223 71,258 SH Put SOLE   70,457 0 801
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 2,547,914 8,998 SH Put SOLE   8,066 0 932
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 32,676,816 187,185 SH Put SOLE   185,895 0 1,289
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 19,400,280 405,439 SH Put SOLE   402,935 0 2,504
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 BBG01KG1P4G1 388,985 4,904 SH Put SOLE   4,308 0 596
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 1,631,188 31,909 SH Put SOLE   31,909 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 10,397,736 124,152 SH Put SOLE   122,847 0 1,305
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 BBG001T62MC8 3,038,894 49,381 SH Put SOLE   49,124 0 257
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771 BBG001T62MF5 3,774,501 79,951 SH Put SOLE   79,807 0 144
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 1,568,377 26,574 SH Put SOLE   26,424 0 150
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 31,138,512 157,218 SH Put SOLE   145,608 0 11,610
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 677,043 10,458 SH Put SOLE   10,098 0 360
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 27,230,790 515,637 SH Put SOLE   512,301 0 3,336
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 16,771,152 130,820 SH Put SOLE   122,398 0 8,422
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 BBG00C863MQ1 6,447,551 73,035 SH Put SOLE   70,444 0 2,591
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 6,332,563 86,251 SH Put SOLE   83,786 0 2,465
VANGUARD WORLD FD FINANCIALS ETF 92204A405 BBG001SHTTM0 313,463 2,852 SH Put SOLE   2,852 0 0
VANGUARD WORLD FD HEALTH CAR ETF 92204A504 BBG001SHVR32 243,539 863 SH Put SOLE   363 0 500
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 703,535 15,665 SH Put SOLE   15,665 0 0
WALMART INC COM 931142103 BBG001S5XH92 611,066 7,567 SH Put SOLE   7,567 0 0