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
Expires: July 31, 2015
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
ABBOTT LABS COM 002824100 3,659,831 33,335 SH SOLE 0 0 33,335
ABBVIE INC COM 00287Y109 2,897,529 17,929 SH SOLE 0 0 17,929
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 3,352,089 12,562 SH SOLE 0 0 12,562
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,468,247 4,363 SH SOLE 0 0 4,363
ADVANCE AUTO PARTS INC COM 00751Y106 2,730,365 18,570 SH SOLE 0 0 18,570
AFLAC INC COM 001055102 486,027 6,756 SH SOLE 0 0 6,756
ALPHABET INC CAP STK CL A 02079K305 6,951,853 78,792 SH SOLE 0 0 78,792
ALPHABET INC CAP STK CL C 02079K107 883,573 9,958 SH SOLE 0 0 9,958
AMAZON COM INC COM 023135106 421,680 5,020 SH SOLE 0 0 5,020
APPLE INC COM 037833100 12,016,262 92,483 SH SOLE 0 0 92,483
AT&T INC COM 00206R102 1,199,894 65,176 SH SOLE 0 0 65,176
AUTOMATIC DATA PROCESSING IN COM 053015103 3,646,712 15,267 SH SOLE 0 0 15,267
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,270,985 13,826 SH SOLE 0 0 13,826
BORGWARNER INC COM 099724106 3,794,246 94,267 SH SOLE 0 0 94,267
BROADCOM INC COM 11135F101 4,676,216 8,363 SH SOLE 0 0 8,363
CHEVRON CORP NEW COM 166764100 705,449 3,930 SH SOLE 0 0 3,930
CINCINNATI FINL CORP COM 172062101 505,807 4,940 SH SOLE 0 0 4,940
CISCO SYS INC COM 17275R102 371,328 7,794 SH SOLE 0 0 7,794
CITIZENS FINL GROUP INC COM 174610105 3,073,408 78,065 SH SOLE 0 0 78,065
COCA COLA CO COM 191216100 216,102 3,397 SH SOLE 0 0 3,397
COMCAST CORP NEW CL A 20030N101 3,153,105 90,166 SH SOLE 0 0 90,166
CROWN CASTLE INC COM 22822V101 2,350,072 17,326 SH SOLE 0 0 17,326
CVS HEALTH CORP COM 126650100 3,779,798 40,560 SH SOLE 0 0 40,560
DEERE & CO COM 244199105 219,525 512 SH SOLE 0 0 512
DIAGEO PLC SPON ADR NEW 25243Q205 2,997,929 16,824 SH SOLE 0 0 16,824
DISNEY WALT CO COM 254687106 2,097,153 24,138 SH SOLE 0 0 24,138
DOMINION ENERGY INC COM 25746U109 1,284,594 20,949 SH SOLE 0 0 20,949
DOW INC COM 260557103 2,247,916 44,610 SH SOLE 0 0 44,610
DUKE ENERGY CORP NEW COM NEW 26441C204 214,042 2,078 SH SOLE 0 0 2,078
EOG RES INC COM 26875P101 2,569,029 19,835 SH SOLE 0 0 19,835
EXXON MOBIL CORP COM 30231G102 791,264 7,174 SH SOLE 0 0 7,174
FISERV INC COM 337738108 2,995,600 29,639 SH SOLE 0 0 29,639
GENUINE PARTS CO COM 372460105 203,874 1,175 SH SOLE 0 0 1,175
HARTFORD FINL SVCS GROUP INC COM 416515104 283,149 3,734 SH SOLE 0 0 3,734
HERSHEY CO COM 427866108 231,570 1,000 SH SOLE 0 0 1,000
HOME DEPOT INC COM 437076102 4,084,683 12,932 SH SOLE 0 0 12,932
ILLINOIS TOOL WKS INC COM 452308109 3,824,792 17,362 SH SOLE 0 0 17,362
INNOVATOR ETFS TR US EQTY PWR BUF 45782C540 1,997,728 66,836 SH SOLE 0 0 66,836
INTUIT COM 461202103 311,376 800 SH SOLE 0 0 800
ISHARES GOLD TR ISHARES NEW 464285204 521,790 15,085 SH SOLE 0 0 15,085
ISHARES INC MSCI EMRG CHN 46434G764 469,953 9,900 SH SOLE 0 0 9,900
ISHARES TR CORE S&P MCP ETF 464287507 17,948,672 74,202 SH SOLE 0 0 74,202
ISHARES TR CORE S&P500 ETF 464287200 1,700,898 4,427 SH SOLE 0 0 4,427
ISHARES TR ISHS 1-5YR INVS 464288646 418,699 8,404 SH SOLE 0 0 8,404
ISHARES TR CORE S&P SCP ETF 464287804 351,872 3,718 SH SOLE 0 0 3,718
ISHARES TR MSCI EAFE ETF 464287465 345,595 5,265 SH SOLE 0 0 5,265
ISHARES TR RUSSELL 2000 ETF 464287655 234,165 1,343 SH SOLE 0 0 1,343
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 10,807,652 215,593 SH SOLE 0 0 215,593
JOHNSON & JOHNSON COM 478160104 3,281,721 18,578 SH SOLE 0 0 18,578
JPMORGAN CHASE & CO COM 46625H100 4,931,588 36,775 SH SOLE 0 0 36,775
LILLY ELI & CO COM 532457108 260,844 713 SH SOLE 0 0 713
LOWES COS INC COM 548661107 317,190 1,592 SH SOLE 0 0 1,592
MASTERCARD INCORPORATED CL A 57636Q104 231,588 666 SH SOLE 0 0 666
MDU RES GROUP INC COM 552690109 303,400 10,000 SH SOLE 0 0 10,000
MERCK & CO INC COM 58933Y105 4,282,703 38,600 SH SOLE 0 0 38,600
MICROSOFT CORP COM 594918104 9,859,894 41,114 SH SOLE 0 0 41,114
NEXTERA ENERGY INC COM 65339F101 339,918 4,066 SH SOLE 0 0 4,066
NORFOLK SOUTHN CORP COM 655844108 496,893 2,016 SH SOLE 0 0 2,016
NORTHROP GRUMMAN CORP COM 666807102 3,721,711 6,821 SH SOLE 0 0 6,821
PAYPAL HLDGS INC COM 70450Y103 2,429,350 34,110 SH SOLE 0 0 34,110
PEPSICO INC COM 713448108 776,734 4,299 SH SOLE 0 0 4,299
PFIZER INC COM 717081103 420,410 8,205 SH SOLE 0 0 8,205
PRICE T ROWE GROUP INC COM 74144T108 2,221,070 20,366 SH SOLE 0 0 20,366
PROCTER AND GAMBLE CO COM 742718109 4,083,810 26,945 SH SOLE 0 0 26,945
QUALCOMM INC COM 747525103 4,274,733 38,882 SH SOLE 0 0 38,882
RAYTHEON TECHNOLOGIES CORP COM 75513E101 489,967 4,855 SH SOLE 0 0 4,855
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 5,543,174 123,704 SH SOLE 0 0 123,704
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 2,206,120 70,102 SH SOLE 0 0 70,102
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 1,639,579 69,268 SH SOLE 0 0 69,268
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,384,750 42,991 SH SOLE 0 0 42,991
SHELL PLC SPON ADS 780259305 2,276,718 39,977 SH SOLE 0 0 39,977
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,583,643 4,141 SH SOLE 0 0 4,141
SYSCO CORP COM 871829107 2,665,035 34,860 SH SOLE 0 0 34,860
TARGET CORP COM 87612E106 2,581,750 17,323 SH SOLE 0 0 17,323
THERMO FISHER SCIENTIFIC INC COM 883556102 4,055,021 7,364 SH SOLE 0 0 7,364
THOMSON REUTERS CORP. COM NEW 884903709 238,178 2,088 SH SOLE 0 0 2,088
TJX COS INC NEW COM 872540109 3,532,992 44,384 SH SOLE 0 0 44,384
TRANE TECHNOLOGIES PLC SHS G8994E103 4,509,179 26,826 SH SOLE 0 0 26,826
TYSON FOODS INC CL A 902494103 1,819,086 29,222 SH SOLE 0 0 29,222
UNION PAC CORP COM 907818108 227,363 1,098 SH SOLE 0 0 1,098
UNITED PARCEL SERVICE INC CL B 911312106 4,076,091 23,447 SH SOLE 0 0 23,447
US BANCORP DEL COM NEW 902973304 1,155,142 26,488 SH SOLE 0 0 26,488
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,576,814 4,488 SH SOLE 0 0 4,488
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 313,559 3,802 SH SOLE 0 0 3,802
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 611,791 15,695 SH SOLE 0 0 15,695
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 1,391,917 18,512 SH SOLE 0 0 18,512
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 526,293 6,790 SH SOLE 0 0 6,790
VERIZON COMMUNICATIONS INC COM 92343V104 2,392,392 60,721 SH SOLE 0 0 60,721
VISA INC COM CL A 92826C839 2,044,103 9,839 SH SOLE 0 0 9,839
WALMART INC COM 931142103 3,827,400 26,993 SH SOLE 0 0 26,993
WASTE MGMT INC DEL COM 94106L109 329,448 2,100 SH SOLE 0 0 2,100
WILLIAMS COS INC COM 969457100 4,740,368 144,084 SH SOLE 0 0 144,084
WP CAREY INC COM 92936U109 1,920,762 24,578 SH SOLE 0 0 24,578
ZIMMER BIOMET HOLDINGS INC COM 98956P102 265,582 2,083 SH SOLE 0 0 2,083