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
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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
CHARLES SCHWAB CORP (THE) COM 808513105 265,266 2,714 SH OTR 0 0 2,714
ALLSTATE CORP COM 020002101 712,614 3,212 SH OTR 0 0 3,212
DUKE ENERGY CORP NEW COM NEW 26441C204 248,348 2,178 SH OTR 0 0 2,178
BROADCOM INC COM 11135F101 834,779 2,377 SH OTR 0 0 2,377
F N B CORP COM 302520101 190,043 11,042 SH OTR 0 0 11,042
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 9,172,713 164,208 SH OTR 0 0 164,208
FEDEX CORP COM 31428X106 546,518 1,917 SH OTR 0 0 1,917
AMPHENOL CORP CL A 032095101 202,657 2,404 SH OTR 0 0 2,404
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 1,709,703 39,494 SH OTR 0 0 39,494
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 2,207,148 55,567 SH OTR 0 0 55,567
BLACKROCK INC COM 09290D101 367,227 347 SH OTR 0 0 347
ABBVIE INC COM 00287Y109 246,274 941 SH OTR 0 0 941
APPLE INC COM 037833100 3,205,094 9,624 SH OTR 0 0 9,624
ALPHABET INC CAP STK CL A 02079K305 793,217 2,305 SH OTR 0 0 2,305
ANALOG DEVICES INC COM 032654105 466,134 1,175 SH OTR 0 0 1,175
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658 2,465,070 91,130 SH OTR 0 0 91,130
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102 290,358 2,700 SH OTR 0 0 2,700
CONSOLIDATED EDISON INC COM 209115104 267,995 2,622 SH OTR 0 0 2,622
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,505,303 3,023 SH OTR 0 0 3,023
COCA COLA CO COM 191216100 275,800 3,204 SH OTR 0 0 3,204
ELI LILLY & CO COM 532457108 637,551 551 SH OTR 0 0 551
AMAZON COM INC COM 023135106 1,151,387 4,621 SH OTR 0 0 4,621
CSX CORP COM 126408103 356,360 7,662 SH OTR 0 0 7,662
CISCO SYS INC COM 17275R102 773,967 7,191 SH OTR 0 0 7,191
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 268,820 1,466 SH OTR 0 0 1,466
ELEVANCE HEALTH INC FORMERLY COM 036752103 388,820 1,000 SH OTR 0 0 1,000
SPDR SERIES TRUST ST NUVE TERM ETF 78468R739 1,090,371 23,373 SH OTR 0 0 23,373
STRYKER CORPORATION COM 863667101 272,636 990 SH OTR 0 0 990
MASTERCARD INCORPORATED CL A 57636Q104 310,478 563 SH OTR 0 0 563
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 242,872 7,466 SH OTR 0 0 7,466
PHILIP MORRIS INTL INC COM 718172109 366,565 1,921 SH OTR 0 0 1,921
ISHARES TR CORE LT USDB ETF 464289479 1,425,452 31,782 SH OTR 0 0 31,782
VANGUARD INDEX FDS MRNGSTR SM CP GR 922908595 223,603 661 SH OTR 0 0 661
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 7,421,920 156,712 SH OTR 0 0 156,712
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 13,258,172 147,133 SH OTR 0 0 147,133
ISHARES TR CORE S&P500 ETF 464287200 206,014 269 SH OTR 0 0 269
NVIDIA CORPORATION COM 67066G104 1,040,215 4,554 SH OTR 0 0 4,554
SPACE EXPLORATION TECHN CORP CLASS A COM STK 84615Q103 546,264 3,621 SH OTR 0 0 3,621
VANGUARD ADMIRAL FDS INC SMLCP 600 GRTH 921932794 2,316,275 16,790 SH OTR 0 0 16,790
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,072,467 1,530 SH OTR 0 0 1,530
ORACLE CORP COM 68389X105 713,548 5,197 SH OTR 0 0 5,197
ISHARES TR SP SMCP600VL ETF 464287879 5,225,247 40,790 SH OTR 0 0 40,790
MICROSOFT CORP COM 594918104 875,140 1,706 SH OTR 0 0 1,706
NETFLIX INC. COM 64110L106 343,029 4,930 SH OTR 0 0 4,930
ISHARES TR RUS 1000 VAL ETF 464287598 8,973,510 36,193 SH OTR 0 0 36,193
JPMORGAN CHASE & CO COM 46625H100 311,642 942 SH OTR 0 0 942
VANGUARD ADMIRAL FDS INC MIDCP 400 GRTH 921932869 1,869,918 13,687 SH OTR 0 0 13,687
SCHWAB STRATEGIC TR US TIPS ETF 808524870 1,751,753 69,707 SH OTR 0 0 69,707
LINCOLN ELEC HLDGS INC COM 533900106 8,678,224 32,800 SH OTR 0 0 32,800
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 1,130,448 18,020 SH OTR 0 0 18,020
TESLA INC COM 88160R101 874,646 2,465 SH OTR 0 0 2,465
PHILLIPS 66 COM 718546104 1,171,362 4,588 SH OTR 0 0 4,588
STARBUCKS CORP COM 855244109 338,098 3,598 SH OTR 0 0 3,598
ISHARES TR SHRT NAT MUN ETF 464288158 1,308,027 12,512 SH OTR 0 0 12,512
INVESCO QQQ TR UNIT SER 1 46090E103 499,884 675 SH OTR 0 0 675
ISHARES TR NATIONAL MUN ETF 464288414 5,709,371 56,472 SH OTR 0 0 56,472
ISHARES TR S&P SML 600 GWT 464287887 5,091,430 31,755 SH OTR 0 0 31,755
TRUIST FINL CORP COM 89832Q109 2,431,908 52,525 SH OTR 0 0 52,525
TORONTO DOMINION BK ONT COM NEW 891160509 376,096 3,200 SH OTR 0 0 3,200
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 499,822 1,756 SH OTR 0 0 1,756
ISHARES TR TIPS BD ETF 464287176 578,875 5,563 SH OTR 0 0 5,563
VANGUARD INDEX FDS MRNGSTR MD CP VA 922908512 2,209,396 11,299 SH OTR 0 0 11,299
PRIME MEDICINE INC COM 74168J101 32,866 10,758 SH OTR 0 0 10,758
META PLATFORMS INC CL A 30303M102 256,864 354 SH OTR 0 0 354
MCDONALDS CORP COM 580135101 382,899 1,658 SH OTR 0 0 1,658
ISHARES TR S&P MC 400GR ETF 464287606 1,028,976 9,387 SH OTR 0 0 9,387
VANGUARD ADMIRAL FDS INC SMLCP 600 VAL 921932778 2,224,020 20,218 SH OTR 0 0 20,218
INTERNATIONAL BUSINESS MACHS COM 459200101 489,776 2,226 SH OTR 0 0 2,226
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF 922042718 383,314 2,469 SH OTR 0 0 2,469
ISHARES TR CORE INTL AGGR 46435G672 1,815,130 36,892 SH OTR 0 0 36,892
PEPSICO INC COM 713448108 253,136 1,997 SH OTR 0 0 1,997
MERCK & CO INC COM 58933Y105 416,023 2,863 SH OTR 0 0 2,863
MARVELL TECHNOLOGY INC COM 573874104 437,796 1,657 SH OTR 0 0 1,657
HONEYWELL AEROSPACE INC COM 43849R105 208,745 1,347 SH OTR 0 0 1,347
SAP SE SPON ADR 803054204 504,105 2,418 SH OTR 0 0 2,418
LOWES COS INC COM 548661107 744,900 4,042 SH OTR 0 0 4,042
VANGUARD ADMIRAL FDS INC MIDCP 400 VAL 921932844 273,816 2,561 SH OTR 0 0 2,561
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 263,696 1,141 SH OTR 0 0 1,141
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 4,479,880 20,732 SH OTR 0 0 20,732
VISA INC COM CL A 92826C839 447,045 1,244 SH OTR 0 0 1,244
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 1,449,065 30,916 SH OTR 0 0 30,916
VANGUARD STAR FDS VG TL INTL STK F 921909768 1,059,552 12,471 SH OTR 0 0 12,471
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 2,532,950 6,768 SH OTR 0 0 6,768
WALMART INC COM 931142103 2,110,897 20,312 SH OTR 0 0 20,312