WMS Partners 13F-HR Quarterly holdings report by institutional manager

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:	Oct 31, 2018
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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
3M CO	COM	88579Y101	632,541	4,900	SH		SOLE		0	0	4,900
ABBOTT LABS	COM	002824100	6,493,306	57,407	SH		SOLE		0	0	57,407
ABBVIE INC	COM	00287Y109	2,197,261	12,365	SH		SOLE		0	0	12,365
ABRDN ETFS	BBRG ALL COMMDY	003261203	313,300	10,000	SH		SOLE		0	0	10,000
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	528,389	1,502	SH		SOLE		0	0	1,502
AFLAC INC	COM	001055102	1,006,354	9,729	SH		SOLE		0	0	9,729
AIR PRODS & CHEMS INC	COM	009158106	215,500	743	SH		SOLE		0	0	743
ALPHABET INC	CAP STK CL A	02079K305	18,906,454	99,876	SH		SOLE		0	0	99,876
ALPHABET INC	CAP STK CL C	02079K107	12,807,154	67,250	SH		SOLE		0	0	67,250
ALTRIA GROUP INC	COM	02209S103	484,624	9,268	SH		SOLE		0	0	9,268
AMAZON COM INC	COM	023135106	11,132,288	50,742	SH		SOLE		0	0	50,742
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	63,575,006	1,081,391	SH		SOLE		0	0	1,081,391
AMERICAN CENTY ETF TR	AVANTIS RESPON U	025072281	1,581,896	23,924	SH		SOLE		0	0	23,924
AMERICAN CENTY ETF TR	AVANTIS RESPONSI	025072299	486,421	8,736	SH		SOLE		0	0	8,736
AMERICAN CENTY ETF TR	AVANTIS RESPONSI	025072315	339,134	6,725	SH		SOLE		0	0	6,725
AMERICAN CENTY ETF TR	AVANTIS US MID C	025072125	15,804,809	243,188	SH		SOLE		0	0	243,188
AMERICAN CENTY ETF TR	AVANTIS US SMALL	025072323	1,256,695	23,118	SH		SOLE		0	0	23,118
AMERICAN CENTY ETF TR	EMERGING MKT VAL	025072372	498,083	10,781	SH		SOLE		0	0	10,781
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	121,609,669	1,981,582	SH		SOLE		0	0	1,981,582
AMERICAN CENTY ETF TR	INTL SMCP VLU	025072802	8,739,017	134,281	SH		SOLE		0	0	134,281
AMERICAN CENTY ETF TR	US EQT ETF	025072885	102,011,604	1,052,425	SH		SOLE		0	0	1,052,425
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	71,081,689	736,369	SH		SOLE		0	0	736,369
AMERICAN ELEC PWR CO INC	COM	025537101	464,471	5,036	SH		SOLE		0	0	5,036
AMERICAN EXPRESS CO	COM	025816109	958,119	3,228	SH		SOLE		0	0	3,228
AMERICAN TOWER CORP NEW	COM	03027X100	593,569	3,236	SH		SOLE		0	0	3,236
AMGEN INC	COM	031162100	415,461	1,594	SH		SOLE		0	0	1,594
ANSYS INC	COM	03662Q105	445,276	1,320	SH		SOLE		0	0	1,320
AON PLC	SHS CL A	G0403H108	250,335	697	SH		SOLE		0	0	697
APPLE INC	COM	037833100	65,884,163	263,095	SH		SOLE		0	0	263,095
ARCHER DANIELS MIDLAND CO	COM	039483102	207,638	4,110	SH		SOLE		0	0	4,110
AT&T INC	COM	00206R102	512,392	22,503	SH		SOLE		0	0	22,503
AUTOMATIC DATA PROCESSING IN	COM	053015103	877,857	2,999	SH		SOLE		0	0	2,999
AUTOZONE INC	COM	053332102	368,230	115	SH		SOLE		0	0	115
AVERY DENNISON CORP	COM	053611109	219,691	1,174	SH		SOLE		0	0	1,174
BANK AMERICA CORP	COM	060505104	510,106	11,607	SH		SOLE		0	0	11,607
BARRICK GOLD CORP	COM	067901108	163,669	10,559	SH		SOLE		0	0	10,559
BEAZER HOMES USA INC	COM NEW	07556Q881	1,576,177	57,399	SH		SOLE		0	0	57,399
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	7,242,962	15,979	SH		SOLE		0	0	15,979
BLACKROCK INC	COM	09290D101	209,123	204	SH		SOLE		0	0	204
BLACKSTONE INC	COM	09260D107	640,886	3,717	SH		SOLE		0	0	3,717
BLACKSTONE MORTGAGE TRUST IN	NOTE 5.500% 3/1	09257WAE0	16,583	17,000	SH		SOLE		0	0	17,000
BOEING CO	COM	097023105	383,862	2,169	SH		SOLE		0	0	2,169
BOOKING HOLDINGS INC	COM	09857L108	238,485	48	SH		SOLE		0	0	48
BOSTON SCIENTIFIC CORP	COM	101137107	307,351	3,441	SH		SOLE		0	0	3,441
BRAEMAR HOTELS & RESORTS INC	COM	10482B101	69,762	23,254	SH		SOLE		0	0	23,254
BRISTOL-MYERS SQUIBB CO	COM	110122108	336,878	5,956	SH		SOLE		0	0	5,956
BROADCOM INC	COM	11135F101	937,561	4,044	SH		SOLE		0	0	4,044
BROOKFIELD CORP	CL A LTD VT SH	11271J107	4,757,607	82,813	SH		SOLE		0	0	82,813
CANADIAN NATL RY CO	COM	136375102	1,168,584	11,512	SH		SOLE		0	0	11,512
CAPITAL ONE FINL CORP	COM	14040H105	519,447	2,913	SH		SOLE		0	0	2,913
CATERPILLAR INC	COM	149123101	1,660,564	4,578	SH		SOLE		0	0	4,578
CF INDS HLDGS INC	COM	125269100	208,011	2,438	SH		SOLE		0	0	2,438
CHEVRON CORP NEW	COM	166764100	1,093,194	7,548	SH		SOLE		0	0	7,548
CHUBB LIMITED	COM	H1467J104	308,075	1,115	SH		SOLE		0	0	1,115
CISCO SYS INC	COM	17275R102	1,755,941	29,661	SH		SOLE		0	0	29,661
COCA COLA CO	COM	191216100	2,582,046	41,472	SH		SOLE		0	0	41,472
COLGATE PALMOLIVE CO	COM	194162103	313,640	3,450	SH		SOLE		0	0	3,450
COMCAST CORP NEW	CL A	20030N101	355,095	9,462	SH		SOLE		0	0	9,462
CONOCOPHILLIPS	COM	20825C104	418,634	4,221	SH		SOLE		0	0	4,221
CONSTELLATION BRANDS INC	CL A	21036P108	469,625	2,125	SH		SOLE		0	0	2,125
COSTCO WHSL CORP NEW	COM	22160K105	2,486,757	2,714	SH		SOLE		0	0	2,714
CSX CORP	COM	126408103	721,351	22,354	SH		SOLE		0	0	22,354
CUMMINS INC	COM	231021106	592,272	1,699	SH		SOLE		0	0	1,699
CVS HEALTH CORP	COM	126650100	250,801	5,587	SH		SOLE		0	0	5,587
DANAHER CORPORATION	COM	235851102	1,917,661	8,354	SH		SOLE		0	0	8,354
DEERE & CO	COM	244199105	1,401,176	3,307	SH		SOLE		0	0	3,307
DIAGEO PLC	SPON ADR NEW	25243Q205	2,235,746	17,586	SH		SOLE		0	0	17,586
DIGITALOCEAN HLDGS INC	NOTE 12/0	25402DAB8	13,317	15,000	SH		SOLE		0	0	15,000
DIMENSIONAL ETF TRUST	CORE FIXED INCOM	25434V872	8,246,242	199,812	SH		SOLE		0	0	199,812
DIMENSIONAL ETF TRUST	EMERGING MKTS CO	25434V732	1,688,313	64,464	SH		SOLE		0	0	64,464
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	689,405	27,174	SH		SOLE		0	0	27,174
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	730,672	25,023	SH		SOLE		0	0	25,023
DIMENSIONAL ETF TRUST	INTL CORE EQUITY	25434V799	861,518	33,334	SH		SOLE		0	0	33,334
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	501,824	10,505	SH		SOLE		0	0	10,505
DIMENSIONAL ETF TRUST	SHORT DURATION F	25434V864	505,742	10,788	SH		SOLE		0	0	10,788
DIMENSIONAL ETF TRUST	US CORE EQT MKT	25434V104	8,920,514	220,314	SH		SOLE		0	0	220,314
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	30,978,624	895,595	SH		SOLE		0	0	895,595
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	497,775	16,172	SH		SOLE		0	0	16,172
DISCOVER FINL SVCS	COM	254709108	252,397	1,457	SH		SOLE		0	0	1,457
DISNEY WALT CO	COM	254687106	1,654,410	14,858	SH		SOLE		0	0	14,858
EATON CORP PLC	SHS	G29183103	522,032	1,573	SH		SOLE		0	0	1,573
ELI LILLY & CO	COM	532457108	2,244,783	2,908	SH		SOLE		0	0	2,908
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	383,057	19,554	SH		SOLE		0	0	19,554
ENTERPRISE PRODS PARTNERS L	COM	293792107	1,006,348	32,090	SH		SOLE		0	0	32,090
EQUIFAX INC	COM	294429105	383,550	1,505	SH		SOLE		0	0	1,505
EXPEDITORS INTL WASH INC	COM	302130109	613,777	5,541	SH		SOLE		0	0	5,541
EXXON MOBIL CORP	COM	30231G102	5,037,320	46,828	SH		SOLE		0	0	46,828
F N B CORP	COM	302520101	2,916,257	197,311	SH		SOLE		0	0	197,311
F5 INC	COM	315616102	522,052	2,076	SH		SOLE		0	0	2,076
FACTSET RESH SYS INC	COM	303075105	228,614	476	SH		SOLE		0	0	476
FASTENAL CO	COM	311900104	565,932	7,870	SH		SOLE		0	0	7,870
FEDEX CORP	COM	31428X106	392,393	1,395	SH		SOLE		0	0	1,395
FIRST TR EXCHANGE TRADED FD	UTILITIES ALPH	33734X184	217,996	5,763	SH		SOLE		0	0	5,763
FIRST TR NAS100 EQ WEIGHTED	SHS	337344105	289,908	2,320	SH		SOLE		0	0	2,320
FISERV INC	COM	337738108	390,298	1,900	SH		SOLE		0	0	1,900
FRP HLDGS INC	COM	30292L107	1,986,877	64,867	SH		SOLE		0	0	64,867
GARMIN LTD	SHS	H2906T109	437,684	2,122	SH		SOLE		0	0	2,122
GE AEROSPACE	COM NEW	369604301	1,179,539	7,072	SH		SOLE		0	0	7,072
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	202,409	2,589	SH		SOLE		0	0	2,589
GE VERNOVA INC	COM	36828A101	577,931	1,757	SH		SOLE		0	0	1,757
GENERAL DYNAMICS CORP	COM	369550108	602,602	2,287	SH		SOLE		0	0	2,287
GENWORTH FINL INC	COM SHS	37247D106	90,870	13,000	SH		SOLE		0	0	13,000
GOLDMAN SACHS ETF TR	ACTIVEBETA EME	381430206	55,036,531	1,724,202	SH		SOLE		0	0	1,724,202
GOLDMAN SACHS ETF TR	ACTIVEBETA INT	381430107	103,343,923	3,099,698	SH		SOLE		0	0	3,099,698
GOLDMAN SACHS ETF TR	ACTIVEBETA US	381430602	1,459,592	21,114	SH		SOLE		0	0	21,114
GOLDMAN SACHS ETF TR	ACTIVEBETA US LG	381430503	110,245,799	957,161	SH		SOLE		0	0	957,161
GOLDMAN SACHS GROUP INC	COM	38141G104	1,738,475	3,036	SH		SOLE		0	0	3,036
GRACO INC	COM	384109104	1,456,616	17,281	SH		SOLE		0	0	17,281
HARTFORD FDS EXCHANGE TRADED	TOTAL RTRN ETF	41653L305	64,834,200	1,945,220	SH		SOLE		0	0	1,945,220
HERSHEY CO	COM	427866108	330,970	1,954	SH		SOLE		0	0	1,954
HOME DEPOT INC	COM	437076102	2,590,236	6,659	SH		SOLE		0	0	6,659
HONEYWELL INTL INC	COM	438516106	749,375	3,317	SH		SOLE		0	0	3,317
IAMGOLD CORP	COM	450913108	562,440	109,000	SH		SOLE		0	0	109,000
IDEXX LABS INC	COM	45168D104	271,631	657	SH		SOLE		0	0	657
ILLINOIS TOOL WKS INC	COM	452308109	673,456	2,656	SH		SOLE		0	0	2,656
INTEL CORP	COM	458140100	653,335	32,585	SH		SOLE		0	0	32,585
INTERNATIONAL BUSINESS MACHS	COM	459200101	818,884	3,725	SH		SOLE		0	0	3,725
INTUIT	COM	461202103	350,479	558	SH		SOLE		0	0	558
INTUITIVE SURGICAL INC	COM NEW	46120E602	640,445	1,227	SH		SOLE		0	0	1,227
INVESCO EXCHANGE TRADED FD T	DORSEY WRIGHT MO	46137V837	766,722	7,125	SH		SOLE		0	0	7,125
INVESCO EXCHANGE TRADED FD T	FTSE RAFI 1000	46137V613	322,317	7,990	SH		SOLE		0	0	7,990
INVESCO EXCHANGE TRADED FD T	S&P500 EQL TEC	46137V282	4,786,804	127,921	SH		SOLE		0	0	127,921
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	2,355,260	13,441	SH		SOLE		0	0	13,441
INVESCO EXCHANGE TRADED FD T	S&P500 QUALITY	46137V241	693,627	10,348	SH		SOLE		0	0	10,348
INVESCO QQQ TR	UNIT SER 1	46090E103	2,317,888	4,534	SH		SOLE		0	0	4,534
ISHARES GOLD TR	ISHARES NEW	464285204	4,671,120	94,347	SH		SOLE		0	0	94,347
ISHARES INC	MSCI GBL MIN VOL	464286525	20,144,570	184,474	SH		SOLE		0	0	184,474
ISHARES INC	MSCI JPN ETF NEW	46434G822	470,170	7,007	SH		SOLE		0	0	7,007
ISHARES SILVER TR	ISHARES	46428Q109	1,335,985	50,740	SH		SOLE		0	0	50,740
ISHARES TR	1 3 YR TREAS BD	464287457	375,715	4,583	SH		SOLE		0	0	4,583
ISHARES TR	CORE MSCI EAFE	46432F842	332,003	4,724	SH		SOLE		0	0	4,724
ISHARES TR	CORE S&P MCP ETF	464287507	559,922	8,986	SH		SOLE		0	0	8,986
ISHARES TR	CORE S&P SCP ETF	464287804	43,122,640	374,263	SH		SOLE		0	0	374,263
ISHARES TR	CORE S&P TTL STK	464287150	331,454	2,577	SH		SOLE		0	0	2,577
ISHARES TR	CORE S&P500 ETF	464287200	10,095,862	17,150	SH		SOLE		0	0	17,150
ISHARES TR	CORE US AGGBD ET	464287226	7,305,984	75,397	SH		SOLE		0	0	75,397
ISHARES TR	EXPANDED TECH	464287515	856,627	8,556	SH		SOLE		0	0	8,556
ISHARES TR	ISHS 1-5YR INVS	464288646	476,881	9,224	SH		SOLE		0	0	9,224
ISHARES TR	MSCI ACWI ETF	464288257	7,197,580	61,256	SH		SOLE		0	0	61,256
ISHARES TR	MSCI EAFE ETF	464287465	639,283	8,455	SH		SOLE		0	0	8,455
ISHARES TR	MSCI EMG MKT ETF	464287234	317,498	7,592	SH		SOLE		0	0	7,592
ISHARES TR	MSCI INDIA ETF	46429B598	212,824	4,043	SH		SOLE		0	0	4,043
ISHARES TR	MSCI UK ETF NEW	46435G334	1,017,000	30,000	SH		SOLE		0	0	30,000
ISHARES TR	MSCI USA ESG SLC	464288802	809,547	6,658	SH		SOLE		0	0	6,658
ISHARES TR	MSCI USA QLT FCT	46432F339	324,106	1,820	SH		SOLE		0	0	1,820
ISHARES TR	RUS 1000 ETF	464287622	4,713,201	14,630	SH		SOLE		0	0	14,630
ISHARES TR	RUS 1000 GRW ETF	464287614	2,629,145	6,547	SH		SOLE		0	0	6,547
ISHARES TR	RUS 1000 VAL ETF	464287598	1,111,055	6,001	SH		SOLE		0	0	6,001
ISHARES TR	RUS MD CP GR ETF	464287481	228,967	1,806	SH		SOLE		0	0	1,806
ISHARES TR	RUS TP200 GR ETF	464289438	320,203	1,361	SH		SOLE		0	0	1,361
ISHARES TR	RUSSELL 3000 ETF	464287689	215,257	644	SH		SOLE		0	0	644
ISHARES TR	S&P 500 GRWT ETF	464287309	2,058,804	20,278	SH		SOLE		0	0	20,278
ISHARES TR	S&P 500 VAL ETF	464287408	1,187,083	6,219	SH		SOLE		0	0	6,219
ISHARES TR	S&P MC 400GR ETF	464287606	641,966	7,060	SH		SOLE		0	0	7,060
ISHARES TR	U.S. TECH ETF	464287721	256,987	1,611	SH		SOLE		0	0	1,611
J P MORGAN EXCHANGE TRADED F	CORE PLUS BD ETF	46641Q670	84,611,576	1,836,587	SH		SOLE		0	0	1,836,587
J P MORGAN EXCHANGE TRADED F	SHORT DURA CORE	46641Q274	49,333,111	1,057,969	SH		SOLE		0	0	1,057,969
JANUS DETROIT STR TR	HENDERSON SECURI	47103U746	1,512,430	29,192	SH		SOLE		0	0	29,192
JOHNSON & JOHNSON	COM	478160104	8,460,722	58,503	SH		SOLE		0	0	58,503
JPMORGAN CHASE & CO.	COM	46625H100	4,581,862	19,114	SH		SOLE		0	0	19,114
KEYSIGHT TECHNOLOGIES INC	COM	49338L103	2,098,953	13,067	SH		SOLE		0	0	13,067
KIMBERLY-CLARK CORP	COM	494368103	777,461	5,933	SH		SOLE		0	0	5,933
KKR & CO INC	COM	48251W104	7,020,549	47,465	SH		SOLE		0	0	47,465
LIBERTY MEDIA CORP DEL	COM LBTY ONE S C	531229755	363,228	3,920	SH		SOLE		0	0	3,920
LINDE PLC	SHS	G54950103	2,421,169	5,783	SH		SOLE		0	0	5,783
LOWES COS INC	COM	548661107	446,665	1,810	SH		SOLE		0	0	1,810
LPL FINL HLDGS INC	COM	50212V100	1,634,183	5,005	SH		SOLE		0	0	5,005
MANULIFE FINL CORP	COM	56501R106	737,593	24,018	SH		SOLE		0	0	24,018
MARATHON PETE CORP	COM	56585A102	422,685	3,030	SH		SOLE		0	0	3,030
MARKEL GROUP INC	COM	570535104	1,203,183	697	SH		SOLE		0	0	697
MARKETAXESS HLDGS INC	COM	57060D108	276,899	1,225	SH		SOLE		0	0	1,225
MASTERCARD INCORPORATED	CL A	57636Q104	3,330,029	6,324	SH		SOLE		0	0	6,324
MCCORMICK & CO INC	COM NON VTG	579780206	3,274,276	42,947	SH		SOLE		0	0	42,947
MCCORMICK & CO INC	COM VTG	579780107	2,785,271	36,745	SH		SOLE		0	0	36,745
MCDONALDS CORP	COM	580135101	5,689,229	19,625	SH		SOLE		0	0	19,625
MEDTRONIC PLC	SHS	G5960L103	237,723	2,976	SH		SOLE		0	0	2,976
MERCK & CO INC	COM	58933Y105	1,964,203	19,745	SH		SOLE		0	0	19,745
META PLATFORMS INC	CL A	30303M102	2,052,799	3,506	SH		SOLE		0	0	3,506
MICROSOFT CORP	COM	594918104	42,813,822	101,575	SH		SOLE		0	0	101,575
MIMEDX GROUP INC	COM	602496101	196,855	20,463	SH		SOLE		0	0	20,463
MONDELEZ INTL INC	CL A	609207105	669,615	11,211	SH		SOLE		0	0	11,211
MOODYS CORP	COM	615369105	281,656	595	SH		SOLE		0	0	595
MORGAN STANLEY	COM NEW	617446448	378,325	3,009	SH		SOLE		0	0	3,009
MOTOROLA SOLUTIONS INC	COM NEW	620076307	229,267	496	SH		SOLE		0	0	496
NETFLIX INC	COM	64110L106	992,931	1,114	SH		SOLE		0	0	1,114
NEWMONT CORP	COM	651639106	323,070	8,680	SH		SOLE		0	0	8,680
NEXTERA ENERGY INC	COM	65339F101	391,213	5,457	SH		SOLE		0	0	5,457
NORFOLK SOUTHN CORP	COM	655844108	430,163	1,833	SH		SOLE		0	0	1,833
NOVO-NORDISK A S	ADR	670100205	274,146	3,187	SH		SOLE		0	0	3,187
NUVEEN AMT FREE MUN CR INC F	COM	67071L106	1,465,438	119,530	SH		SOLE		0	0	119,530
NUVEEN MUNICIPAL CREDIT INC	COM SH BEN INT	67070X101	1,521,250	125,000	SH		SOLE		0	0	125,000
NVIDIA CORPORATION	COM	67066G104	4,840,109	36,042	SH		SOLE		0	0	36,042
OLO INC	CL A	68134L109	213,305	27,774	SH		SOLE		0	0	27,774
ORACLE CORP	COM	68389X105	2,129,455	12,779	SH		SOLE		0	0	12,779
OREILLY AUTOMOTIVE INC	COM	67103H107	272,734	230	SH		SOLE		0	0	230
PACER FDS TR	US CASH COWS 100	69374H881	951,124	16,840	SH		SOLE		0	0	16,840
PALO ALTO NETWORKS INC	COM	697435105	380,297	2,090	SH		SOLE		0	0	2,090
PARKER-HANNIFIN CORP	COM	701094104	255,049	401	SH		SOLE		0	0	401
PAYPAL HLDGS INC	COM	70450Y103	269,877	3,162	SH		SOLE		0	0	3,162
PEBBLEBROOK HOTEL TR	NOTE 1.750%12/1	70509VAA8	13,947	15,000	SH		SOLE		0	0	15,000
PEPSICO INC	COM	713448108	4,406,302	28,977	SH		SOLE		0	0	28,977
PFIZER INC	COM	717081103	1,310,508	49,397	SH		SOLE		0	0	49,397
PHILIP MORRIS INTL INC	COM	718172109	2,353,684	19,557	SH		SOLE		0	0	19,557
PITNEY BOWES INC	COM	724479100	208,603	28,813	SH		SOLE		0	0	28,813
PNC FINL SVCS GROUP INC	COM	693475105	489,027	2,536	SH		SOLE		0	0	2,536
PRICE T ROWE GROUP INC	COM	74144T108	108,492,482	959,346	SH		SOLE		0	0	959,346
PROCTER AND GAMBLE CO	COM	742718109	6,857,312	40,903	SH		SOLE		0	0	40,903
PROGRESSIVE CORP	COM	743315103	421,954	1,761	SH		SOLE		0	0	1,761
QUALCOMM INC	COM	747525103	754,889	4,914	SH		SOLE		0	0	4,914
QUANTA SVCS INC	COM	74762E102	5,559,032	17,589	SH		SOLE		0	0	17,589
REPUBLIC SVCS INC	COM	760759100	812,164	4,037	SH		SOLE		0	0	4,037
ROBLOX CORP	CL A	771049103	210,900	3,645	SH		SOLE		0	0	3,645
ROCKWELL AUTOMATION INC	COM	773903109	293,507	1,027	SH		SOLE		0	0	1,027
ROOT INC	CL A NEW	77664L207	1,543,046	21,257	SH		SOLE		0	0	21,257
ROPER TECHNOLOGIES INC	COM	776696106	241,731	465	SH		SOLE		0	0	465
ROSS STORES INC	COM	778296103	427,036	2,823	SH		SOLE		0	0	2,823
RTX CORPORATION	COM	75513E101	545,609	4,715	SH		SOLE		0	0	4,715
RYAN SPECIALTY HOLDINGS INC	CL A	78351F107	3,500,634	54,561	SH		SOLE		0	0	54,561
S&P GLOBAL INC	COM	78409V104	506,497	1,017	SH		SOLE		0	0	1,017
SALESFORCE INC	COM	79466L302	548,636	1,641	SH		SOLE		0	0	1,641
SCHWAB STRATEGIC TR	FUNDAMENTAL US S	808524763	1,173,150	39,500	SH		SOLE		0	0	39,500
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	531,612	19,459	SH		SOLE		0	0	19,459
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	1,733,076	74,766	SH		SOLE		0	0	74,766
SELECT SECTOR SPDR TR	COMMUNICATION	81369Y852	294,109	3,038	SH		SOLE		0	0	3,038
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	553,572	11,454	SH		SOLE		0	0	11,454
SELECT SECTOR SPDR TR	INDL	81369Y704	640,046	4,858	SH		SOLE		0	0	4,858
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	493,715	2,201	SH		SOLE		0	0	2,201
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	333,014	4,236	SH		SOLE		0	0	4,236
SELECT SECTOR SPDR TR	SBI MATERIALS	81369Y100	455,637	5,415	SH		SOLE		0	0	5,415
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	818,497	3,520	SH		SOLE		0	0	3,520
SERVICENOW INC	COM	81762P102	347,720	328	SH		SOLE		0	0	328
SHOPIFY INC	CL A	82509L107	622,669	5,856	SH		SOLE		0	0	5,856
SNAP INC	NOTE 5/0	83304AAF3	10,385	12,000	SH		SOLE		0	0	12,000
SOUTHERN CO	COM	842587107	210,645	2,559	SH		SOLE		0	0	2,559
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	645,484	1,517	SH		SOLE		0	0	1,517
SPDR GOLD TR	GOLD SHS	78463V107	2,631,711	10,869	SH		SOLE		0	0	10,869
SPDR S&P 500 ETF TR	TR UNIT	78462F103	8,713,293	14,867	SH		SOLE		0	0	14,867
SPDR SER TR	PRTFLO S&P500 GW	78464A409	1,318,500	15,000	SH		SOLE		0	0	15,000
SPDR SER TR	S&P DIVID ETF	78464A763	219,286	1,660	SH		SOLE		0	0	1,660
SPOTIFY TECHNOLOGY S A	SHS	L8681T102	233,980	523	SH		SOLE		0	0	523
SSGA ACTIVE ETF TR	SPDR TR TACTIC	78467V848	289,999	7,362	SH		SOLE		0	0	7,362
STARBUCKS CORP	COM	855244109	526,057	5,765	SH		SOLE		0	0	5,765
STATE STR CORP	COM	857477103	228,199	2,325	SH		SOLE		0	0	2,325
STONERIDGE INC	COM	86183P102	174,727	27,867	SH		SOLE		0	0	27,867
STRYKER CORPORATION	COM	863667101	1,427,529	3,965	SH		SOLE		0	0	3,965
TAIWAN SEMICONDUCTOR MFG LTD	SPONSORED ADS	874039100	367,332	1,860	SH		SOLE		0	0	1,860
TARGET CORP	COM	87612E106	484,215	3,582	SH		SOLE		0	0	3,582
TESLA INC	COM	88160R101	1,292,692	3,201	SH		SOLE		0	0	3,201
TEXAS INSTRS INC	COM	882508104	824,294	4,396	SH		SOLE		0	0	4,396
TEXAS PACIFIC LAND CORPORATI	COM	88262P102	552,980	500	SH		SOLE		0	0	500
THE CIGNA GROUP	COM	125523100	279,936	1,014	SH		SOLE		0	0	1,014
THE TRADE DESK INC	COM CL A	88339J105	297,469	2,531	SH		SOLE		0	0	2,531
THERMO FISHER SCIENTIFIC INC	COM	883556102	431,791	830	SH		SOLE		0	0	830
TJX COS INC NEW	COM	872540109	814,622	6,743	SH		SOLE		0	0	6,743
TOAST INC	CL A	888787108	207,765	5,700	SH		SOLE		0	0	5,700
TRAVELERS COMPANIES INC	COM	89417E109	692,619	2,875	SH		SOLE		0	0	2,875
UBER TECHNOLOGIES INC	COM	90353T100	3,515,631	58,283	SH		SOLE		0	0	58,283
UNDER ARMOUR INC	CL A	904311107	85,077	10,275	SH		SOLE		0	0	10,275
UNDER ARMOUR INC	CL C	904311206	91,512	12,267	SH		SOLE		0	0	12,267
UNION PAC CORP	COM	907818108	1,640,441	7,194	SH		SOLE		0	0	7,194
UNITED PARCEL SERVICE INC	CL B	911312106	239,024	1,896	SH		SOLE		0	0	1,896
UNITEDHEALTH GROUP INC	COM	91324P102	3,790,409	7,493	SH		SOLE		0	0	7,493
VANECK ETF TRUST	GOLD MINERS ETF	92189F106	508,650	15,000	SH		SOLE		0	0	15,000
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	975,097	10,516	SH		SOLE		0	0	10,516
VANECK MERK GOLD ETF	GOLD SHS	921078101	541,800	21,415	SH		SOLE		0	0	21,415
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	2,232,446	31,045	SH		SOLE		0	0	31,045
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	511,298	10,424	SH		SOLE		0	0	10,424
VANGUARD INDEX FDS	GROWTH ETF	922908736	2,253,181	5,490	SH		SOLE		0	0	5,490
VANGUARD INDEX FDS	MID CAP ETF	922908629	6,881,875	26,055	SH		SOLE		0	0	26,055
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	1,115,109	12,518	SH		SOLE		0	0	12,518
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	3,033,808	5,631	SH		SOLE		0	0	5,631
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	634,969	3,204	SH		SOLE		0	0	3,204
VANGUARD INDEX FDS	SMALL CP ETF	922908751	1,076,455	4,480	SH		SOLE		0	0	4,480
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	120,027,577	414,160	SH		SOLE		0	0	414,160
VANGUARD INDEX FDS	VALUE ETF	922908744	1,427,730	8,433	SH		SOLE		0	0	8,433
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	1,006,520	22,855	SH		SOLE		0	0	22,855
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	10,552,613	89,825	SH		SOLE		0	0	89,825
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	1,453,579	24,984	SH		SOLE		0	0	24,984
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	3,205,120	41,086	SH		SOLE		0	0	41,086
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	69,166,160	353,195	SH		SOLE		0	0	353,195
VANGUARD STAR FDS	VG TL INTL STK F	921909768	1,504,572	25,531	SH		SOLE		0	0	25,531
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	392,077	8,199	SH		SOLE		0	0	8,199
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	1,479,463	11,595	SH		SOLE		0	0	11,595
VANGUARD WHITEHALL FDS	INTL DVD ETF	921946810	4,051,632	50,652	SH		SOLE		0	0	50,652
VANGUARD WORLD FD	CONSUM DIS ETF	92204A108	236,115	629	SH		SOLE		0	0	629
VANGUARD WORLD FD	ENERGY ETF	92204A306	227,942	1,879	SH		SOLE		0	0	1,879
VANGUARD WORLD FD	FINANCIALS ETF	92204A405	266,484	2,257	SH		SOLE		0	0	2,257
VANGUARD WORLD FD	HEALTH CAR ETF	92204A504	1,275,716	5,029	SH		SOLE		0	0	5,029
VANGUARD WORLD FD	INF TECH ETF	92204A702	2,176,909	3,501	SH		SOLE		0	0	3,501
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	709,115	5,677	SH		SOLE		0	0	5,677
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	888,746	2,588	SH		SOLE		0	0	2,588
VERISK ANALYTICS INC	COM	92345Y106	301,045	1,093	SH		SOLE		0	0	1,093
VISA INC	COM CL A	92826C839	16,064,274	50,830	SH		SOLE		0	0	50,830
WAFD INC	COM	938824109	398,100	12,348	SH		SOLE		0	0	12,348
WALMART INC	COM	931142103	2,463,579	27,267	SH		SOLE		0	0	27,267
WELLS FARGO CO NEW	COM	949746101	408,938	5,822	SH		SOLE		0	0	5,822
WISDOMTREE TR	ITL HIGH DIV FD	97717W802	264,460	7,000	SH		SOLE		0	0	7,000
ZIMMER BIOMET HOLDINGS INC	COM	98956P102	2,530,367	23,955	SH		SOLE		0	0	23,955