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
AB ACTIVE ETFS INC TAX AWARE SHRT 00039J202 241,548 9,827 SH SOLE 9,827 0 0
ALPHABET INC CAP STK CL A 02079K305 1,021,228 2,968 SH SOLE 2,788 0 180
ALPHABET INC CAP STK CL C 02079K107 1,547,300 4,541 SH SOLE 4,102 0 439
AMAZON COM INC COM 023135106 1,674,539 6,721 SH SOLE 6,337 0 384
APPLE INC COM 037833100 1,346,065 4,042 SH SOLE 3,548 0 494
APPLIED MATLS INC COM 038222105 806,445 1,577 SH SOLE 1,278 0 299
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 686,673 1,379 SH SOLE 1,379 0 0
CISCO SYS INC COM 17275R102 226,669 2,106 SH SOLE 2,106 0 0
FEDEX CORP COM 31428X106 203,270 713 SH SOLE 484 0 229
FIRST TR EXCHANGE-TRADED ALP COM SHS 33734Y109 5,551,278 41,246 SH SOLE 34,670 0 6,576
ISHARES TR ISHARES BIOTECH 464287556 208,846 992 SH SOLE 797 0 195
ISHARES TR MSCI ACWI EX US 464288240 4,651,815 61,515 SH SOLE 57,295 0 4,220
ISHARES TR RUS MDCP VAL ETF 464287473 3,493,770 21,735 SH SOLE 16,790 0 4,945
ISHARES TR RUS MID CAP ETF 464287499 1,536,758 14,401 SH SOLE 14,241 0 160
JPMORGAN CHASE & CO COM 46625H100 206,437 624 SH SOLE 624 0 0
LOCKHEED MARTIN CORP COM 539830109 614,156 1,206 SH SOLE 1,206 0 0
META PLATFORMS INC CL A 30303M102 580,870 801 SH SOLE 646 0 155
MICROSOFT CORP COM 594918104 531,366 1,036 SH SOLE 883 0 153
NVIDIA CORPORATION COM 67066G104 1,139,159 4,988 SH SOLE 4,043 0 945
NYLIM ACTIVE ETF TR MACKAY MUN INTER 45409F827 2,375,973 103,845 SH SOLE 63,047 0 40,798
OSHKOSH CORP COM 688239201 1,314,222 10,202 SH SOLE 10,202 0 0
PHILIP MORRIS INTL INC COM 718172109 202,269 1,060 SH SOLE 1,060 0 0
PNC FINL SVCS GROUP INC COM 693475105 655,445 2,949 SH SOLE 2,297 0 652
RBB FD INC US TREASY 2 YR 74933W486 37,168,252 785,134 SH SOLE 734,915 0 50,219
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 33,672,726 1,420,787 SH SOLE 1,289,110 0 131,677
SPDR GOLD TR GOLD SHS 78463V107 1,087,680 2,856 SH SOLE 2,856 0 0
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 1,530,226 3,009 SH SOLE 3,009 0 0
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 45,660,319 59,874 SH SOLE 53,322 0 6,552
TESLA INC COM 88160R101 516,604 1,456 SH SOLE 1,056 0 400
VANGUARD INDEX FDS MRNGSTR MD CP GR 922908538 8,528,028 29,198 SH SOLE 25,820 0 3,378
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 206,161 551 SH SOLE 551 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 278,251 397 SH SOLE 397 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 271,502 1,720 SH SOLE 1,720 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 69,668,648 540,361 SH SOLE 471,393 0 68,968
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 6,986,440 20,308 SH SOLE 20,024 0 284
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 66,845,517 614,958 SH SOLE 534,292 0 80,666
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 21,301,782 91,302 SH SOLE 79,567 0 11,735
VERIZON COMMUNICATIONS INC COM 92343V104 309,349 6,744 SH SOLE 6,744 0 0