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
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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
ABBVIE INC COM 00287Y109 238,417 947 SH OTR 0 0 947
ELI LILLY & CO COM 532457108 540,943 451 SH OTR 0 0 451
ISHARES TR CORE INTL AGGR 46435G672 1,822,713 36,022 SH SOLE 0 0 36,022
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,517,683 3,033 SH OTR 0 0 3,033
ISHARES TR S&P SML 600 GWT 464287887 5,654,534 31,660 SH SOLE 0 0 31,660
LINCOLN ELEC HLDGS INC COM 533900106 8,708,728 32,800 SH OTR 0 0 32,800
ISHARES TR TIPS BD ETF 464287176 539,303 4,928 SH SOLE 0 0 4,928
ISHARES TR S&P MC 400GR ETF 464287606 1,071,251 9,117 SH SOLE 0 0 9,117
MASTERCARD INCORPORATED CL A 57636Q104 242,933 473 SH OTR 0 0 473
ISHARES TR SP SMCP600VL ETF 464287879 5,554,362 40,638 SH SOLE 0 0 40,638
BLACKROCK INC COM 09290D101 333,661 347 SH OTR 0 0 347
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 8,970,434 166,058 SH SOLE 0 0 166,058
FEDEX CORP COM 31428X106 600,270 1,917 SH OTR 0 0 1,917
MERCK & CO INC COM 58933Y105 367,896 2,863 SH OTR 0 0 2,863
ANALOG DEVICES INC COM 032654105 466,675 1,175 SH OTR 0 0 1,175
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 2,658,617 91,771 SH SOLE 0 0 91,771
NETFLIX INC. COM 64110L106 387,702 5,430 SH OTR 0 0 5,430
ALTRIA GROUP INC COM 02209S103 200,812 2,791 SH OTR 0 0 2,791
NVIDIA CORPORATION COM 67066G104 866,741 4,332 SH OTR 0 0 4,332
SCHWAB CHARLES CORP COM 808513105 305,783 3,314 SH OTR 0 0 3,314
MICROSOFT CORP COM 594918104 826,203 2,215 SH OTR 0 0 2,215
MCDONALDS CORP COM 580135101 448,174 1,658 SH OTR 0 0 1,658
JPMORGAN CHASE & CO COM 46625H100 308,345 942 SH OTR 0 0 942
INVESCO QQQ TR UNIT SER 1 46090E103 506,443 688 SH OTR 0 0 688
ALLSTATE CORP COM 020002101 764,263 3,212 SH OTR 0 0 3,212
ISHARES TR RUS 1000 VAL ETF 464287598 8,865,611 36,570 SH SOLE 0 0 36,570
ALPHABET INC CAP STK CL C 02079K107 206,345 584 SH OTR 0 0 584
PEPSICO INC COM 713448108 270,475 1,998 SH OTR 0 0 1,998
LOWES COS INC COM 548661107 891,221 4,042 SH OTR 0 0 4,042
CISCO SYS INC COM 17275R102 844,655 7,191 SH OTR 0 0 7,191
LPL FINL HLDGS INC COM 50212V100 309,848 1,100 SH OTR 0 0 1,100
META PLATFORMS INC CL A 30303M102 204,590 363 SH OTR 0 0 363
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 2,130,364 52,420 SH SOLE 0 0 52,420
INTERNATIONAL BUSINESS MACHS COM 459200101 616,926 2,194 SH OTR 0 0 2,194
PHILLIPS 66 COM 718546104 777,123 4,597 SH OTR 0 0 4,597
CONSOLIDATED EDISON INC COM 209115104 290,072 2,622 SH OTR 0 0 2,622
ISHARES TR CORE S&P500 ETF 464287200 201,451 269 SH SOLE 0 0 269
ISHARES TR SHRT NAT MUN ETF 464288158 1,404,348 13,190 SH SOLE 0 0 13,190
PHILIP MORRIS INTL INC COM 718172109 347,528 1,921 SH OTR 0 0 1,921
ALPHABET INC CAP STK CL A 02079K305 705,840 1,975 SH OTR 0 0 1,975
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 1,575,055 39,249 SH SOLE 0 0 39,249
ORACLE CORP COM 68389X105 695,673 4,747 SH OTR 0 0 4,747
CSX CORP COM 126408103 364,175 7,662 SH OTR 0 0 7,662
F N B CORP COM 302520101 195,762 10,260 SH OTR 0 0 10,260
ISHARES TR NATIONAL MUN ETF 464288414 5,916,991 54,980 SH SOLE 0 0 54,980
DUKE ENERGY CORP NEW COM NEW 26441C204 275,286 2,175 SH OTR 0 0 2,175
COCA COLA CO COM 191216100 260,389 3,204 SH OTR 0 0 3,204
APPLE INC COM 037833100 2,935,230 10,144 SH OTR 0 0 10,144
BROADCOM INC COM 11135F101 790,631 2,093 SH OTR 0 0 2,093
MARVELL TECHNOLOGY INC COM 573874104 381,299 1,280 SH OTR 0 0 1,280
AMAZON COM INC COM 023135106 1,137,183 4,771 SH OTR 0 0 4,771
ISHARES TR CORE LT USDB ETF 464289479 1,120,763 22,756 SH SOLE 0 0 22,756
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 2,025,731 13,846 SH SOLE 0 0 13,846
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 8,311,094 164,316 SH SOLE 0 0 164,316
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 236,569 7,460 SH SOLE 0 0 7,460
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,046,997 12,247 SH SOLE 0 0 12,247
VANGUARD INDEX FDS TOTAL STK MKT 922908769 2,479,273 6,700 SH SOLE 0 0 6,700
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,544,889 31,899 SH SOLE 0 0 31,899
SAP SE SPON ADR 803054204 372,638 2,418 SH OTR 0 0 2,418
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,037,009 1,510 SH SOLE 0 0 1,510
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,827,162 26,508 SH SOLE 0 0 26,508
VANGUARD INDEX FDS SM CP VAL ETF 922908611 277,326 1,141 SH SOLE 0 0 1,141
STRYKER CORPORATION COM 863667101 311,692 990 SH OTR 0 0 990
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 2,612,241 17,027 SH SOLE 0 0 17,027
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,869,060 70,531 SH SOLE 0 0 70,531
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 381,523 2,473 SH SOLE 0 0 2,473
VANGUARD INDEX FDS SML CP GRW ETF 922908595 241,974 662 SH SOLE 0 0 662
TESLA INC COM 88160R101 1,024,207 2,435 SH OTR 0 0 2,435
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 292,236 2,562 SH SOLE 0 0 2,562
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 2,218,459 11,227 SH SOLE 0 0 11,227
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 316,091 1,850 SH OTR 0 0 1,850
STARBUCKS CORP COM 855244109 367,708 3,598 SH OTR 0 0 3,598
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 2,400,655 20,461 SH SOLE 0 0 20,461
VANGUARD INDEX FDS GROWTH ETF 922908736 12,862,867 149,325 SH SOLE 0 0 149,325
TORONTO DOMINION BK ONT COM NEW 891160509 388,576 3,200 SH OTR 0 0 3,200
THERMO FISHER SCIENTIFIC INC COM 883556102 426,156 850 SH OTR 0 0 850
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 1,079,123 22,498 SH SOLE 0 0 22,498
TRUIST FINL CORP COM 89832Q109 2,616,796 52,525 SH OTR 0 0 52,525
VANGUARD INDEX FDS SMALL CP ETF 922908751 533,504 1,760 SH SOLE 0 0 1,760
WELLS FARGO & CO COM 949746101 229,416 2,828 SH OTR 0 0 2,828
WALMART INC COM 931142103 4,868,829 40,978 SH OTR 0 0 40,978
WORKDAY INC CL A 98138H101 201,872 1,600 SH OTR 0 0 1,600
VANGUARD INDEX FDS VALUE ETF 922908744 8,471,607 40,894 SH SOLE 0 0 40,894
VISA INC COM CL A 92826C839 809,510 2,510 SH OTR 0 0 2,510