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

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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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ALPHABET INC CAP STK CL A 02079K305 983,446 3,142 SH SOLE 0 0 3,142
ALPHABET INC CAP STK CL C 02079K107 593,082 1,890 SH SOLE 439 0 1,451
AMAZON COM INC COM 023135106 449,175 1,946 SH SOLE 204 0 1,742
APPLE INC COM 037833100 1,165,192 4,286 SH SOLE 363 0 3,923
APPLIED MATLS INC COM 038222105 405,273 1,577 SH SOLE 184 0 1,393
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 715,774 1,424 SH SOLE 0 0 1,424
CISCO SYS INC COM 17275R102 232,862 3,023 SH SOLE 0 0 3,023
EQT CORP COM 26884L109 214,400 4,000 SH SOLE 2,000 0 2,000
FEDEX CORP COM 31428X106 203,358 704 SH SOLE 129 0 575
FIRST TR EXCHANGE-TRADED ALP COM SHS 33734Y109 5,230,560 46,231 SH SOLE 5,021 0 41,210
ISHARES TR MSCI ACWI EX US 464288240 4,784,470 71,273 SH SOLE 0 0 71,273
ISHARES TR RUS MDCP VAL ETF 464287473 3,436,702 24,364 SH SOLE 2,489 0 21,875
ISHARES TR RUS MID CAP ETF 464287499 1,458,732 15,152 SH SOLE 0 0 15,152
JPMORGAN CHASE & CO. COM 46625H100 273,888 850 SH SOLE 0 0 850
LOCKHEED MARTIN CORP COM 539830109 588,626 1,217 SH SOLE 0 0 1,217
MCDONALDS CORP COM 580135101 250,616 820 SH SOLE 0 0 820
META PLATFORMS INC CL A 30303M102 515,531 781 SH SOLE 100 0 681
MICROSOFT CORP COM 594918104 609,846 1,261 SH SOLE 84 0 1,177
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827 1,501,258 61,704 SH SOLE 30,852 0 30,852
NVIDIA CORPORATION COM 67066G104 1,417,028 7,598 SH SOLE 348 0 7,250
PNC FINL SVCS GROUP INC COM 693475105 621,180 2,976 SH SOLE 463 0 2,513
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 33,509,924 1,336,122 SH SOLE 32,354 0 1,303,768
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 1,455,646 3,029 SH SOLE 0 0 3,029
SPDR GOLD TR GOLD SHS 78463V107 614,676 1,551 SH SOLE 0 0 1,551
SPDR S&P 500 ETF TR TR UNIT 78462F103 38,847,557 56,967 SH SOLE 964 0 56,003
TESLA INC COM 88160R101 653,444 1,453 SH SOLE 312 0 1,141
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 8,226,661 29,468 SH SOLE 65 0 29,403
VANGUARD INDEX FDS TOTAL STK MKT 922908769 225,330 672 SH SOLE 0 0 672
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 250,946 1,779 SH SOLE 0 0 1,779
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 63,200,704 519,106 SH SOLE 14,803 0 504,303
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 6,948,273 22,482 SH SOLE 0 0 22,482
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 56,313,678 610,117 SH SOLE 17,687 0 592,430
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 19,031,748 86,592 SH SOLE 1,489 0 85,103
VERIZON COMMUNICATIONS INC COM 92343V104 260,593 6,398 SH SOLE 0 0 6,398