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 229,585 1,688 SH SOLE 0 0 1,688
ABBVIE INC COM 00287Y109 240,007 1,293 SH SOLE 0 0 1,293
ALPHABET INC CAP STK CL C 02079K107 934,845 5,270 SH SOLE 0 0 5,270
ALPHABET INC CAP STK CL A 02079K305 1,334,787 7,574 SH SOLE 0 0 7,574
ALTRIA GROUP INC COM 02209S103 271,926 4,638 SH SOLE 0 0 4,638
AMAZON COM INC COM 023135106 1,227,048 5,593 SH SOLE 0 0 5,593
AMGEN INC COM 031162100 753,867 2,700 SH SOLE 0 0 2,700
ANSYS INC COM 03662Q105 1,653,193 4,707 SH SOLE 0 0 4,707
APPLE INC COM 037833100 5,589,236 27,242 SH SOLE 0 0 27,242
BANK NEW YORK MELLON CORP COM 064058100 301,756 3,312 SH SOLE 0 0 3,312
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 499,857 1,029 SH SOLE 0 0 1,029
BERKSHIRE HATHAWAY INC DEL CL A 084670108 2,186,400 3 SH SOLE 0 0 3
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105 395,197 7,149 SH SOLE 0 0 7,149
BROOKFIELD CORP CL A LTD VT SH 11271J107 1,985,818 32,107 SH SOLE 0 0 32,107
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101 504,410 15,057 SH SOLE 0 0 15,057
CBIZ INC COM 124805102 1,675,791 23,369 SH SOLE 0 0 23,369
CISCO SYS INC COM 17275R102 372,848 5,374 SH SOLE 0 0 5,374
COSTCO WHSL CORP NEW COM 22160K105 736,515 744 SH SOLE 0 0 744
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 2,072,663 57,831 SH SOLE 0 0 57,831
D-WAVE QUANTUM INC COM 26740W109 183,000 12,500 SH SOLE 0 0 12,500
EATON CORP PLC SHS G29183103 1,988,077 5,569 SH SOLE 0 0 5,569
EXXON MOBIL CORP COM 30231G102 1,732,346 16,070 SH SOLE 0 0 16,070
FARMERS NATIONAL BANC CORP COM 309627107 511,416 37,086 SH SOLE 0 0 37,086
FEDERATED HERMES ETF TRUST HERMES TOTAL RET 31423L404 10,244,856 408,162 SH SOLE 0 0 408,162
FEDERATED HERMES ETF TRUST US STRATEGIC DIV 31423L305 418,545 15,242 SH SOLE 0 0 15,242
FEDERATED HERMES INC CL B 314211103 3,537,667 79,821 SH SOLE 0 0 79,821
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309 11,935,742 260,891 SH SOLE 0 0 260,891
FIDELITY WISE ORIGIN BITCOIN SHS 315948109 442,881 4,712 SH SOLE 0 0 4,712
FIRST TR EXCHANGE TRADED FD DORSEY WRT 5 ETF 33738R605 232,338 3,921 SH SOLE 0 0 3,921
GOLD RESOURCE CORP COM 38068T105 14,530 23,820 SH SOLE 0 0 23,820
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109 948,824 11,185 SH SOLE 0 0 11,185
HOME DEPOT INC COM 437076102 292,212 797 SH SOLE 0 0 797
INNOVATOR ETFS TRUST EMRGNG MKT JULY 45782C714 283,276 10,234 SH SOLE 0 0 10,234
INNOVATOR ETFS TRUST INTRNL DEV JULY 45782C722 493,026 15,436 SH SOLE 0 0 15,436
INTERNATIONAL BUSINESS MACHS COM 459200101 460,176 1,561 SH SOLE 0 0 1,561
INVESCO ACTIVELY MANAGED EXC TOTAL RETURN 46090A804 440,063 9,385 SH SOLE 0 0 9,385
INVESCO QQQ TR UNIT SER 1 46090E103 878,905 1,593 SH SOLE 0 0 1,593
ISHARES INC ESG AWR MSCI EM 46434G863 533,535 13,621 SH SOLE 0 0 13,621
ISHARES INC CORE MSCI EMKT 46434G103 34,753,723 578,939 SH SOLE 0 0 578,939
ISHARES SILVER TR ISHARES 46428Q109 214,479 6,537 SH SOLE 0 0 6,537
ISHARES TR ESG MSCI KLD 400 464288570 2,539,606 21,863 SH SOLE 0 0 21,863
ISHARES TR RUS MID CAP ETF 464287499 6,910,852 75,142 SH SOLE 0 0 75,142
ISHARES TR SP SMCP600VL ETF 464287879 878,880 8,834 SH SOLE 0 0 8,834
ISHARES TR NATIONAL MUN ETF 464288414 29,697,698 284,243 SH SOLE 0 0 284,243
ISHARES TR ESG AW MSCI EAFE 46435G516 1,253,273 14,047 SH SOLE 0 0 14,047
ISHARES TR ESG AWRE USD ETF 46435G193 850,659 36,619 SH SOLE 0 0 36,619
ISHARES TR CORE S&P500 ETF 464287200 3,449,210 5,555 SH SOLE 0 0 5,555
ISHARES TR MSCI EAFE ETF 464287465 7,625,812 85,309 SH SOLE 0 0 85,309
ISHARES TR MRGSTR MD CP ETF 464288208 322,862 4,053 SH SOLE 0 0 4,053
ISHARES TR RUSSELL 2000 ETF 464287655 675,638 3,131 SH SOLE 0 0 3,131
ISHARES TR S&P 100 ETF 464287101 425,481 1,398 SH SOLE 0 0 1,398
ISHARES TR MRGSTR SM CP ETF 464288505 208,163 3,572 SH SOLE 0 0 3,572
ISHARES TR CORE S&P SCP ETF 464287804 11,087,983 101,455 SH SOLE 0 0 101,455
ISHARES TR RUS 1000 GRW ETF 464287614 18,951,380 44,636 SH SOLE 0 0 44,636
ISHARES TR CORE S&P MCP ETF 464287507 1,396,983 22,525 SH SOLE 0 0 22,525
ISHARES TR RUS 1000 VAL ETF 464287598 204,801 1,054 SH SOLE 0 0 1,054
ISHARES TR CORE US AGGBD ET 464287226 305,302 3,078 SH SOLE 0 0 3,078
ISHARES TR EAFE GRWTH ETF 464288885 659,008 5,884 SH SOLE 0 0 5,884
ISHARES TR S&P 500 GRWT ETF 464287309 2,870,968 26,076 SH SOLE 0 0 26,076
ISHARES TR S&P MC 400GR ETF 464287606 950,741 10,450 SH SOLE 0 0 10,450
ISHARES TR RUS 2000 GRW ETF 464287648 612,884 2,144 SH SOLE 0 0 2,144
ISHARES TR S&P 500 VAL ETF 464287408 2,143,757 10,970 SH SOLE 0 0 10,970
ISHARES TR ESG AWRE 1 5 YR 46435G243 1,074,597 42,694 SH SOLE 0 0 42,694
ISHARES TR GL CLEAN ENE ETF 464288224 134,849 10,286 SH SOLE 0 0 10,286
ISHARES TR S&P SML 600 GWT 464287887 20,244,206 152,166 SH SOLE 0 0 152,166
ISHARES TR CORE MSCI EAFE 46432F842 2,946,009 35,290 SH SOLE 0 0 35,290
ISHARES TR S&P MC 400VL ETF 464287705 956,880 7,743 SH SOLE 0 0 7,743
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609 1,709,806 19,865 SH SOLE 0 0 19,865
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159 15,384,163 332,128 SH SOLE 0 0 332,128
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 25,260,488 513,425 SH SOLE 0 0 513,425
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107 4,766,632 64,982 SH SOLE 0 0 64,982
JOHNSON & JOHNSON COM 478160104 358,136 2,345 SH SOLE 0 0 2,345
JPMORGAN CHASE & CO. COM 46625H100 1,876,650 6,473 SH SOLE 0 0 6,473
LIBERTY BROADBAND CORP COM SER C 530307305 265,331 2,697 SH SOLE 0 0 2,697
LULULEMON ATHLETICA INC COM 550021109 241,381 1,016 SH SOLE 0 0 1,016
MANULIFE FINL CORP COM 56501R106 506,246 15,840 SH SOLE 0 0 15,840
MCDONALDS CORP COM 580135101 528,243 1,808 SH SOLE 0 0 1,808
MERCK & CO INC COM 58933Y105 202,729 2,561 SH SOLE 0 0 2,561
META PLATFORMS INC CL A 30303M102 838,481 1,136 SH SOLE 0 0 1,136
MICROSOFT CORP COM 594918104 11,067,825 22,251 SH SOLE 0 0 22,251
NETFLIX INC COM 64110L106 820,887 613 SH SOLE 0 0 613
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843 8,503,605 364,805 SH SOLE 0 0 364,805
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827 43,842,644 1,838,266 SH SOLE 0 0 1,838,266
NEXTERA ENERGY INC COM 65339F101 450,043 6,483 SH SOLE 0 0 6,483
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607 396,604 9,735 SH SOLE 0 0 9,735
NVIDIA CORPORATION COM 67066G104 794,848 5,031 SH SOLE 0 0 5,031
NVR INC COM 62944T105 243,727 33 SH SOLE 0 0 33
ORACLE CORP COM 68389X105 805,870 3,686 SH SOLE 0 0 3,686
PACCAR INC COM 693718108 286,695 3,016 SH SOLE 0 0 3,016
PARK-OHIO HLDGS CORP COM 700666100 309,085 17,306 SH SOLE 0 0 17,306
PELOTON INTERACTIVE INC CL A COM 70614W100 69,400 10,000 SH SOLE 0 0 10,000
PEPSICO INC COM 713448108 265,177 2,008 SH SOLE 0 0 2,008
PHILIP MORRIS INTL INC COM 718172109 278,841 1,531 SH SOLE 0 0 1,531
PNC FINL SVCS GROUP INC COM 693475105 2,211,873 11,865 SH SOLE 0 0 11,865
PORCH GROUP INC COM 733245104 3,262,093 276,683 SH SOLE 0 0 276,683
PROCTER AND GAMBLE CO COM 742718109 239,880 1,506 SH SOLE 0 0 1,506
RAYMOND JAMES FINL INC COM 754730109 3,304,510 21,546 SH SOLE 0 0 21,546
REMITLY GLOBAL INC COM 75960P104 1,179,657 62,848 SH SOLE 0 0 62,848
ROCKET LAB CORP COM 773121108 393,470 11,000 SH SOLE 0 0 11,000
RTX CORPORATION COM 75513E101 361,107 2,473 SH SOLE 0 0 2,473
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,382,865 79,060 SH SOLE 0 0 79,060
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 37,887,566 1,550,228 SH SOLE 0 0 1,550,228
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 591,295 25,443 SH SOLE 0 0 25,443
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 8,189,507 295,971 SH SOLE 0 0 295,971
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,214,451 48,002 SH SOLE 0 0 48,002
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 12,512,801 446,089 SH SOLE 0 0 446,089
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,736,124 123,807 SH SOLE 0 0 123,807
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 47,924,817 1,640,699 SH SOLE 0 0 1,640,699
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 455,626 1,799 SH SOLE 0 0 1,799
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 264,170 3,235 SH SOLE 0 0 3,235
SELECT SECTOR SPDR TR ENERGY 81369Y506 628,201 7,407 SH SOLE 0 0 7,407
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 644,230 1,462 SH SOLE 0 0 1,462
SPDR GOLD TR GOLD SHS 78463V107 2,025,291 6,644 SH SOLE 0 0 6,644
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 67,976,818 1,678,854 SH SOLE 0 0 1,678,854
SPDR S&P 500 ETF TR TR UNIT 78462F103 7,137,481 11,552 SH SOLE 0 0 11,552
SPDR SERIES TRUST S&P 400 MDCP VAL 78464A839 269,665 3,395 SH SOLE 0 0 3,395
SPDR SERIES TRUST S&P 400 MDCP GRW 78464A821 689,661 7,939 SH SOLE 0 0 7,939
SPDR SERIES TRUST BBG CONV SEC ETF 78464A359 265,091 3,207 SH SOLE 0 0 3,207
SPDR SERIES TRUST S&P OILGAS EXP 78468R556 297,016 2,361 SH SOLE 0 0 2,361
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 2,553,063 35,123 SH SOLE 0 0 35,123
TCW ETF TRUST TRANSFRM 500 ETF 29287L106 216,329 2,974 SH SOLE 0 0 2,974
THE BALDWIN INSURANCE GRP IN COM CL A 05589G102 351,042 8,200 SH SOLE 0 0 8,200
TJX COS INC NEW COM 872540109 870,975 7,053 SH SOLE 0 0 7,053
TRIMAS CORP COM NEW 896215209 528,541 18,474 SH SOLE 0 0 18,474
UBER TECHNOLOGIES INC COM 90353T100 619,524 6,640 SH SOLE 0 0 6,640
VANECK ETF TRUST GOLD MINERS ETF 92189F106 741,803 14,249 SH SOLE 0 0 14,249
VANGUARD INDEX FDS LARGE CAP ETF 922908637 234,231 821 SH SOLE 0 0 821
VANGUARD INDEX FDS SMALL CP ETF 922908751 1,950,819 8,232 SH SOLE 0 0 8,232
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 11,759,576 20,702 SH SOLE 0 0 20,702
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 1,027,566 11,538 SH SOLE 0 0 11,538
VANGUARD INDEX FDS SML CP GRW ETF 922908595 9,023,536 32,583 SH SOLE 0 0 32,583
VANGUARD INDEX FDS MID CAP ETF 922908629 67,051,066 239,614 SH SOLE 0 0 239,614
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 216,265 1,315 SH SOLE 0 0 1,315
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,022,046 6,653 SH SOLE 0 0 6,653
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,408,278 12,350 SH SOLE 0 0 12,350
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 314,251 1,105 SH SOLE 0 0 1,105
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 278,246 2,165 SH SOLE 0 0 2,165
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 8,073,652 164,668 SH SOLE 0 0 164,668
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 921,972 10,820 SH SOLE 0 0 10,820
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 2,851,867 26,116 SH SOLE 0 0 26,116
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 421,825 2,061 SH SOLE 0 0 2,061
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 14,131,318 247,874 SH SOLE 0 0 247,874
VANGUARD WORLD FD INF TECH ETF 92204A702 386,748 583 SH SOLE 0 0 583
VISA INC COM CL A 92826C839 925,260 2,606 SH SOLE 0 0 2,606
WALMART INC COM 931142103 735,110 7,518 SH SOLE 0 0 7,518
WELLTOWER INC COM 95040Q104 228,597 1,487 SH SOLE 0 0 1,487