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
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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
ABBOTT LABS COM 002824100   3,653,866 36,084 SH   SOLE   0 0 36,084
ABBVIE INC COM 00287Y109   250,992 1,574 SH   SOLE   0 0 1,574
AMERICAN TOWER CORP NEW COM 03027X100   4,288,892 20,989 SH   SOLE   0 0 20,989
APPLE INC COM 037833100   5,017,247 30,426 SH   SOLE   0 0 30,426
BANK AMERICA CORP COM 060505104   2,810,493 98,269 SH   SOLE   0 0 98,269
BROADCOM INC COM 11135F101   3,591,341 5,598 SH   SOLE   0 0 5,598
CHEVRON CORP NEW COM 166764100   3,659,026 22,426 SH   SOLE   0 0 22,426
CHUBB LIMITED COM H1467J104   3,122,609 16,081 SH   SOLE   0 0 16,081
CISCO SYS INC COM 17275R102   4,180,484 79,971 SH   SOLE   0 0 79,971
CONSOLIDATED EDISON INC COM 209115104   723,121 7,558 SH   SOLE   0 0 7,558
CROWN CASTLE INC COM 22822V101   4,279,668 31,976 SH   SOLE   0 0 31,976
DTE ENERGY CO COM 233331107   3,707,600 33,847 SH   SOLE   0 0 33,847
HOME DEPOT INC COM 437076102   3,752,746 12,716 SH   SOLE   0 0 12,716
HONEYWELL INTL INC COM 438516106   3,444,556 18,023 SH   SOLE   0 0 18,023
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,910,462 91,849 SH   SOLE   0 0 91,849
ISHARES TR 0-3 MNTH TREASRY 46436E718   10,512,622 104,520 SH   SOLE   0 0 104,520
ISHARES TR 0-5YR HI YL CP 46434V407   13,141,120 315,286 SH   SOLE   0 0 315,286
ISHARES TR FLTG RATE NT ETF 46429B655   3,965,290 78,692 SH   SOLE   0 0 78,692
ISHARES TR INTL SEL DIV ETF 464288448   990,025 36,014 SH   SOLE   0 0 36,014
ISHARES TR PFD AND INCM SEC 464288687   6,456,327 206,801 SH   SOLE   0 0 206,801
ISHARES TR U.S. MED DVC ETF 464288810   340,074 6,300 SH   SOLE   0 0 6,300
JOHNSON & JOHNSON COM 478160104   3,651,025 23,555 SH   SOLE   0 0 23,555
JPMORGAN CHASE & CO COM 46625H100   3,183,082 24,427 SH   SOLE   0 0 24,427
KIMBERLY-CLARK CORP COM 494368103   3,161,284 23,553 SH   SOLE   0 0 23,553
LOCKHEED MARTIN CORP COM 539830109   4,003,078 8,468 SH   SOLE   0 0 8,468
LOWES COS INC COM 548661107   3,817,427 19,090 SH   SOLE   0 0 19,090
MCDONALDS CORP COM 580135101   4,295,648 15,363 SH   SOLE   0 0 15,363
MEDTRONIC PLC SHS G5960L103   2,854,270 35,404 SH   SOLE   0 0 35,404
MICROSOFT CORP COM 594918104   4,672,478 16,207 SH   SOLE   0 0 16,207
NEXTERA ENERGY INC COM 65339F101   5,088,245 66,012 SH   SOLE   0 0 66,012
NIKE INC CL B 654106103   3,277,186 26,722 SH   SOLE   0 0 26,722
PAYCHEX INC COM 704326107   3,927,572 34,275 SH   SOLE   0 0 34,275
PEPSICO INC COM 713448108   3,919,240 21,498 SH   SOLE   0 0 21,498
PROCTER AND GAMBLE CO COM 742718109   3,909,879 26,295 SH   SOLE   0 0 26,295
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   777,659 12,452 SH   SOLE   0 0 12,452
REPUBLIC SVCS INC COM 760759100   4,158,556 30,754 SH   SOLE   0 0 30,754
SEMPRA COM 816851109   740,440 4,898 SH   SOLE   0 0 4,898
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   276,842 8,619 SH   SOLE   0 0 8,619
SPDR INDEX SHS FDS S&P EM MKT DIV 78463X533   495,885 18,934 SH   SOLE   0 0 18,934
SPDR SER TR PORTFOLIO S&P500 78464A854   1,178,134 24,468 SH   SOLE   0 0 24,468
SPDR SER TR S&P BIOTECH 78464A870   238,156 3,125 SH   SOLE   0 0 3,125
STARBUCKS CORP COM 855244109   4,075,752 39,141 SH   SOLE   0 0 39,141
TELUS CORPORATION COM 87971M103   4,475,233 225,339 SH   SOLE   0 0 225,339
TEXAS INSTRS INC COM 882508104   4,115,657 22,126 SH   SOLE   0 0 22,126
UNION PAC CORP COM 907818108   3,436,917 17,077 SH   SOLE   0 0 17,077
UNITEDHEALTH GROUP INC COM 91324P102   3,600,663 7,619 SH   SOLE   0 0 7,619
VANGUARD INDEX FDS GROWTH ETF 922908736   21,781,101 87,320 SH   SOLE   0 0 87,320
VANGUARD INDEX FDS MID CAP ETF 922908629   2,957,098 14,020 SH   SOLE   0 0 14,020
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   618,259 1,644 SH   SOLE   0 0 1,644
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,946,521 15,544 SH   SOLE   0 0 15,544
VANGUARD INDEX FDS VALUE ETF 922908744   9,702,089 70,249 SH   SOLE   0 0 70,249
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,928,973 32,171 SH   SOLE   0 0 32,171
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   20,814,443 259,467 SH   SOLE   0 0 259,467
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   283,652 3,721 SH   SOLE   0 0 3,721
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   5,036,897 32,705 SH   SOLE   0 0 32,705
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   4,140,167 21,394 SH   SOLE   0 0 21,394
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   1,390,222 5,830 SH   SOLE   0 0 5,830
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   3,700,657 19,425 SH   SOLE   0 0 19,425
VANGUARD WORLD FDS INF TECH ETF 92204A702   4,267,538 11,071 SH   SOLE   0 0 11,071
VISA INC COM CL A 92826C839   4,003,042 17,755 SH   SOLE   0 0 17,755
WALMART INC COM 931142103   3,837,976 26,029 SH   SOLE   0 0 26,029
WISDOMTREE TR US MIDCAP DIVID 97717W505   2,038,591 49,746 SH   SOLE   0 0 49,746
WISDOMTREE TR US SMALLCAP DIVD 97717W604   2,005,626 70,225 SH   SOLE   0 0 70,225