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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 324,221 1,085 SH SOLE 0 0 1,085
ALTRIA GROUP INC COM 02209S103 6,431,342 109,694 SH SOLE 0 0 109,694
AT&T INC COM 00206R102 2,163,779 74,768 SH SOLE 0 0 74,768
BANK AMERICA CORP COM 060505104 278,273 5,881 SH SOLE 0 0 5,881
BANK NOVA SCOTIA HALIFAX COM 064149107 7,734,815 139,946 SH SOLE 0 0 139,946
BRISTOL-MYERS SQUIBB CO COM 110122108 7,510,552 162,250 SH SOLE 0 0 162,250
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 8,122,685 171,618 SH SOLE 0 0 171,618
CHEVRON CORP NEW COM 166764100 3,547,990 24,778 SH SOLE 0 0 24,778
CISCO SYS INC COM 17275R102 3,472,573 50,052 SH SOLE 0 0 50,052
COCA COLA CO COM 191216100 2,560,900 36,196 SH SOLE 0 0 36,196
COLGATE PALMOLIVE CO COM 194162103 806,738 8,875 SH SOLE 0 0 8,875
CVS HEALTH CORP COM 126650100 311,859 4,521 SH SOLE 0 0 4,521
EMERSON ELEC CO COM 291011104 610,918 4,582 SH SOLE 0 0 4,582
EXXON MOBIL CORP COM 30231G102 5,282,328 49,001 SH SOLE 0 0 49,001
FRANKLIN RESOURCES INC COM 354613101 2,521,195 105,710 SH SOLE 0 0 105,710
GENUINE PARTS CO COM 372460105 2,553,697 21,051 SH SOLE 0 0 21,051
GSK PLC SPONSORED ADR 37733W204 8,798,016 229,115 SH SOLE 0 0 229,115
HALEON PLC SPON ADS 405552100 2,319,254 223,650 SH SOLE 0 0 223,650
INTERNATIONAL BUSINESS MACHS COM 459200101 2,528,033 8,576 SH SOLE 0 0 8,576
ISHARES TR CORE HIGH DV ETF 46429B663 3,531,914 30,144 SH SOLE 0 0 30,144
JOHNSON & JOHNSON COM 478160104 1,471,887 9,636 SH SOLE 0 0 9,636
KELLANOVA COM 487836108 696,365 8,756 SH SOLE 0 0 8,756
LOCKHEED MARTIN CORP COM 539830109 896,639 1,936 SH SOLE 0 0 1,936
MCDONALDS CORP COM 580135101 2,501,121 8,560 SH SOLE 0 0 8,560
MICROSOFT CORP COM 594918104 13,371,624 26,882 SH SOLE 0 0 26,882
PFIZER INC COM 717081103 6,177,696 254,855 SH SOLE 0 0 254,855
PHILIP MORRIS INTL INC COM 718172109 4,650,963 25,536 SH SOLE 0 0 25,536
PINNACLE WEST CAP CORP COM 723484101 1,194,872 13,355 SH SOLE 0 0 13,355
PRICE T ROWE GROUP INC COM 74144T108 6,835,230 70,831 SH SOLE 0 0 70,831
PROCTER AND GAMBLE CO COM 742718109 1,437,226 9,021 SH SOLE 0 0 9,021
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 465,768 5,533 SH SOLE 0 0 5,533
QUALCOMM INC COM 747525103 4,198,571 26,363 SH SOLE 0 0 26,363
SANOFI SPONSORED ADR 80105N105 1,055,308 21,844 SH SOLE 0 0 21,844
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 168,079,367 6,342,618 SH SOLE 0 0 6,342,618
SOLVENTUM CORP COM SHS 83444M101 1,278,662 16,860 SH SOLE 0 0 16,860
SPDR SERIES TRUST PRTFLO S&P500 HI 78468R788 8,357,947 196,936 SH SOLE 0 0 196,936
TJX COS INC NEW COM 872540109 519,128 4,204 SH SOLE 0 0 4,204
TORONTO DOMINION BK ONT COM NEW 891160509 8,725,787 118,799 SH SOLE 0 0 118,799
UNITED PARCEL SERVICE INC CL B 911312106 4,769,778 47,254 SH SOLE 0 0 47,254
US BANCORP DEL COM NEW 902973304 10,354,806 228,836 SH SOLE 0 0 228,836
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 291,204 2,184 SH SOLE 0 0 2,184
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 440,135 4,942 SH SOLE 0 0 4,942
VERIZON COMMUNICATIONS INC COM 92343V104 10,636,497 245,817 SH SOLE 0 0 245,817
VIATRIS INC COM 92556V106 231,725 25,949 SH SOLE 0 0 25,949
WARNER BROS DISCOVERY INC COM SER A 934423104 738,586 64,449 SH SOLE 0 0 64,449