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
ABBVIE INC COM 00287Y109 234,009 930 SH SOLE 0 0 930
AFLAC INC COM 001055102 555,179 4,735 SH SOLE 0 0 4,735
ALPHABET INC CAP STK CL C 02079K107 2,378,851 6,733 SH SOLE 0 0 6,733
ALPHABET INC CAP STK CL A 02079K305 1,431,757 4,006 SH SOLE 0 0 4,006
AMAZON COM INC COM 023135106 1,977,825 8,298 SH SOLE 0 0 8,298
AMERICAN EXPRESS CO COM 025816109 310,852 919 SH SOLE 0 0 919
APPLE INC COM 037833100 5,765,055 19,923 SH SOLE 0 0 19,923
AT&T INC COM 00206R102 303,308 14,653 SH SOLE 0 0 14,653
AUTOMATIC DATA PROCESSING IN COM 053015103 574,656 2,566 SH SOLE 0 0 2,566
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 7,655,003 15,298 SH SOLE 0 0 15,298
BNY MELLON STRATEGIC MUN BD COM 09662E109 97,460 15,847 SH SOLE 0 0 15,847
CAPITAL GROUP DIVIDEND VALUE SHS CREAT UNIT 14020W106 24,569,198 498,563 SH SOLE 0 0 498,563
CATERPILLAR INC COM 149123101 1,140,413 1,071 SH SOLE 0 0 1,071
CHEVRON CORPORATION COM 166764100 519,293 3,133 SH SOLE 0 0 3,133
DISNEY WALT CO COM 254687106 203,653 2,116 SH SOLE 0 0 2,116
DOMINION ENERGY INC COM 25746U109 295,866 4,332 SH SOLE 0 0 4,332
ELI LILLY & CO COM 532457108 876,060 730 SH SOLE 0 0 730
EXXON MOBIL CORP COM 30231G102 6,355,606 46,486 SH SOLE 0 0 46,486
GE AEROSPACE COM NEW 369604301 805,160 2,154 SH SOLE 0 0 2,154
GE VERNOVA INC COM 36828A101 614,632 523 SH SOLE 0 0 523
HOME DEPOT INC COM 437076102 543,833 1,542 SH SOLE 0 0 1,542
HUNTINGTON BANCSHARES INC COM 446150104 184,126 10,385 SH SOLE 0 0 10,385
INTERNATIONAL BUSINESS MACHS COM 459200101 3,285,434 11,683 SH SOLE 0 0 11,683
INVESCO QQQ TR UNIT SER 1 46090E103 66,217,859 89,921 SH SOLE 0 0 89,921
ISHARES BITCOIN TRUST ETF SHS BEN INT 46438F101 328,737 9,875 SH SOLE 0 0 9,875
ISHARES GOLD TR ISHARES NEW 464285204 1,468,480 19,447 SH SOLE 0 0 19,447
ISHARES TR RUS 1000 ETF 464287622 1,198,197 2,926 SH SOLE 0 0 2,926
ISHARES TR CORE US AGGBD ET 464287226 395,525 3,996 SH SOLE 0 0 3,996
ISHARES TR CORE S&P MCP ETF 464287507 41,026,783 532,055 SH SOLE 0 0 532,055
ISHARES TR RUS 1000 GRW ETF 464287614 6,937,285 55,869 SH SOLE 0 0 55,869
ISHARES TR RUSSELL 2000 ETF 464287655 2,464,189 8,202 SH SOLE 0 0 8,202
ISHARES TR RUS 2000 VAL ETF 464287630 503,965 2,278 SH SOLE 0 0 2,278
ISHARES TR RUS 1000 VAL ETF 464287598 2,657,439 10,962 SH SOLE 0 0 10,962
ISHARES TR CORE S&P SCP ETF 464287804 25,215,931 170,022 SH SOLE 0 0 170,022
ISHARES TR CORE S&P500 ETF 464287200 465,435 622 SH SOLE 0 0 622
JOHNSON & JOHNSON COM 478160104 996,139 3,922 SH SOLE 0 0 3,922
JPMORGAN CHASE & CO COM 46625H100 1,612,971 4,928 SH SOLE 0 0 4,928
KLA CORP COM NEW 482480100 1,810,260 6,000 SH SOLE 0 0 6,000
LEIDOS HOLDINGS INC COM 525327102 378,312 3,674 SH SOLE 0 0 3,674
LINDE PLC SHS G54950103 298,131 575 SH SOLE 0 0 575
M & T BK CORP COM 55261F104 216,113 908 SH SOLE 0 0 908
MARTI TECHNOLOGIES INC SHS CL A 573134103 45,850 35,000 SH SOLE 0 0 35,000
MCDONALDS CORP COM 580135101 326,221 1,207 SH SOLE 0 0 1,207
META PLATFORMS INC CL A 30303M102 352,045 625 SH SOLE 0 0 625
MICROSOFT CORP COM 594918104 1,941,565 5,205 SH SOLE 0 0 5,205
NEXTERA ENERGY INC COM 65339F101 1,236,216 14,085 SH SOLE 0 0 14,085
NORTHROP GRUMMAN CORP COM 666807102 400,684 787 SH SOLE 0 0 787
NVIDIA CORPORATION COM 67066G104 1,945,917 9,725 SH SOLE 0 0 9,725
ORACLE CORP COM 68389X105 337,944 2,306 SH SOLE 0 0 2,306
PROCTER & GAMBLE CO COM 742718109 1,400,060 9,548 SH SOLE 0 0 9,548
QUALCOMM INC COM 747525103 1,904,856 10,308 SH SOLE 0 0 10,308
RTX CORPORATION COM 75513E101 473,376 2,495 SH SOLE 0 0 2,495
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 388,811 14,037 SH SOLE 0 0 14,037
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 244,006 6,618 SH SOLE 0 0 6,618
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 606,956 813 SH SOLE 0 0 813
STRYKER CORPORATION COM 863667101 259,743 825 SH SOLE 0 0 825
T ROWE PRICE EXCHANGE-TRADED CAP APPRECIATION 87283Q867 1,790,703 43,569 SH SOLE 0 0 43,569
TESLA INC COM 88160R101 264,300 628 SH SOLE 0 0 628
THE CIGNA GROUP COM 125523100 209,792 761 SH SOLE 0 0 761
UNITEDHEALTH GROUP INC COM 91324P102 263,717 635 SH SOLE 0 0 635
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 1,404,855 7,110 SH SOLE 0 0 7,110
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 107,300,375 156,230 SH SOLE 0 0 156,230
VANGUARD INDEX FDS TOTAL STK MKT 922908769 215,415 582 SH SOLE 0 0 582
VANGUARD INDEX FDS VALUE ETF 922908744 13,861,881 63,607 SH SOLE 0 0 63,607
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 541,807 5,619 SH SOLE 0 0 5,619
VANGUARD INDEX FDS MID CAP ETF 922908629 1,279,477 15,880 SH SOLE 0 0 15,880
VANGUARD INDEX FDS SML CP GRW ETF 922908595 10,941,603 29,920 SH SOLE 0 0 29,920
VANGUARD INDEX FDS GROWTH ETF 922908736 252,457 2,931 SH SOLE 0 0 2,931
VANGUARD INDEX FDS SM CP VAL ETF 922908611 2,225,959 9,161 SH SOLE 0 0 9,161
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 2,621,662 8,559 SH SOLE 0 0 8,559
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 459,838 7,901 SH SOLE 0 0 7,901
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 2,440,158 10,313 SH SOLE 0 0 10,313
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 4,570,910 64,153 SH SOLE 0 0 64,153
VANGUARD WORLD FD ESG INTL STK ETF 921910725 543,284 6,598 SH SOLE 0 0 6,598
VANGUARD WORLD FD ESG US STK ETF 921910733 1,037,610 7,846 SH SOLE 0 0 7,846
VERIZON COMMUNICATIONS INC COM 92343V104 316,456 7,474 SH SOLE 0 0 7,474
VISA INC COM CL A 92826C839 1,213,402 3,537 SH SOLE 0 0 3,537
WALMART INC COM 931142103 421,440 3,721 SH SOLE 0 0 3,721