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
ALTRIA GROUP INC COM 02209S103 7,589,768 105,487 SH SOLE 0 0 105,487
AMGEN INC COM 031162100 221,617 612 SH SOLE 0 0 612
AT&T INC COM 00206R102 1,359,483 65,675 SH SOLE 0 0 65,675
BANK NOVA SCOTIA B C COM 064149107 11,852,618 136,488 SH SOLE 0 0 136,488
BANK OF AMER CORP COM 060505104 335,081 5,881 SH SOLE 0 0 5,881
BRISTOL-MYERS SQUIBB CO COM 110122108 9,032,972 156,768 SH SOLE 0 0 156,768
BRITISH AMERN TOB PLC SPONSORED ADR 110448107 10,207,267 165,273 SH SOLE 0 0 165,273
CHEVRON CORPORATION COM 166764100 13,566,495 81,844 SH SOLE 0 0 81,844
CME GROUP INC COM 12572Q105 9,554,210 43,265 SH SOLE 0 0 43,265
COCA COLA CO COM 191216100 2,900,564 35,690 SH SOLE 0 0 35,690
COLGATE PALMOLIVE CO COM 194162103 813,660 8,875 SH SOLE 0 0 8,875
CVS HEALTH CORP COM 126650100 467,697 4,521 SH SOLE 0 0 4,521
EXXON MOBIL CORP COM 30233Q108 6,561,674 47,994 SH SOLE 0 0 47,994
FRANKLIN RESOURCES INC COM 354613101 3,518,985 105,770 SH SOLE 0 0 105,770
GENUINE PARTS CO COM 372460105 2,449,737 20,764 SH SOLE 0 0 20,764
GSK PLC SPONSORED ADR 37733W204 10,252,828 195,590 SH SOLE 0 0 195,590
HALEON PLC SPON ADS 405552100 458,519 49,145 SH SOLE 0 0 49,145
INTERNATIONAL BUSINESS MACHS COM 459200101 2,395,628 8,519 SH SOLE 0 0 8,519
ISHARES TR CORE HIGH DV ETF 46429B663 2,592,123 94,568 SH SOLE 0 0 94,568
LOCKHEED MARTIN CORP COM 539830109 882,385 1,732 SH SOLE 0 0 1,732
MCDONALDS CORP COM 580135101 1,634,429 6,046 SH SOLE 0 0 6,046
MEDTRONIC PLC SHS G5960L103 9,889,133 126,411 SH SOLE 0 0 126,411
MICROSOFT CORP COM 594918104 10,022,115 26,868 SH SOLE 0 0 26,868
NOVO-NORDISK A S ADR 670100205 336,251 7,014 SH SOLE 0 0 7,014
PFIZER INC COM 717081103 5,829,611 242,093 SH SOLE 0 0 242,093
PHILIP MORRIS INTL INC COM 718172109 4,566,802 25,244 SH SOLE 0 0 25,244
PINNACLE WEST CAP CORP COM 723484101 1,493,399 13,957 SH SOLE 0 0 13,957
PRICE T ROWE GROUP INC COM 74144T108 7,648,768 67,277 SH SOLE 0 0 67,277
PROCTER & GAMBLE CO COM 742718109 1,322,839 9,021 SH SOLE 0 0 9,021
PUBLIC SVC ENTERPRISE GROUP COM 744573106 404,420 4,983 SH SOLE 0 0 4,983
SANOFI SA SPONSORED ADR 80105N105 933,081 21,872 SH SOLE 0 0 21,872
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 198,198,582 6,250,349 SH SOLE 0 0 6,250,349
SPDR SERIES TRUST ST STR SP500DIV 78468R788 9,419,366 197,430 SH SOLE 0 0 197,430
TJX COS INC NEW COM 872540109 644,254 4,253 SH SOLE 0 0 4,253
UNILEVER PLC SPON ADR NEW 904767803 9,650,583 160,522 SH SOLE 0 0 160,522
UNITED PARCEL SVCS INC CL B 911312106 4,830,147 44,932 SH SOLE 0 0 44,932
US BANCORP COM NEW 902973304 13,672,174 226,360 SH SOLE 0 0 226,360
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 476,557 4,942 SH SOLE 0 0 4,942
VERIZON COMMUNICATIONS INC COM 92343V104 9,944,519 234,873 SH SOLE 0 0 234,873