Family Firm 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
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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	Stock	88579Y101	313,931	2,618	SH		SOLE		2,617	0	0
ABBOTT LABS COM	Stock	002824100	392,362	3,574	SH		SOLE		3,573	0	0
ABBVIE INC COM	Stock	00287Y109	745,969	4,616	SH		SOLE		4,615	0	0
ABRDN ASIA PACIFIC INCOME FUND COM	CEF	003009107	1,563,707	594,565	SH		SOLE		594,565	0	0
ACCENTURE PLC IRELAND SHS CLASS A	Stock	G1151C101	291,656	1,093	SH		SOLE		1,093	0	0
ADVANCED MICRO DEVICES INC COM	Stock	007903107	226,695	3,500	SH		SOLE		3,500	0	0
AFLAC INC COM	Stock	001055102	2,596,577	36,094	SH		SOLE		36,093	0	0
ALPHABET INC CAP STK CL A	Stock	02079K305	1,662,783	18,846	SH		SOLE		18,846	0	0
ALPHABET INC CAP STK CL C	Stock	02079K107	1,376,995	15,519	SH		SOLE		15,518	0	0
ALTRIA GROUP INC COM	Stock	02209S103	218,048	4,770	SH		SOLE		4,770	0	0
AMAZON COM INC COM	Stock	023135106	557,755	6,640	SH		SOLE		6,639	0	0
AMGEN INC COM	Stock	031162100	331,205	1,261	SH		SOLE		1,261	0	0
APPLE INC COM	Stock	037833100	5,265,495	40,526	SH		SOLE		40,525	0	0
APPLIED MATLS INC COM	Stock	038222105	213,834	2,196	SH		SOLE		2,195	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	377,552	1,581	SH		SOLE		1,580	0	0
BECTON DICKINSON & CO COM	Stock	075887109	376,599	1,481	SH		SOLE		1,480	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	847,676	33,525	SH		SOLE		33,525	0	0
BLACKROCK CORE BD TR SHS BEN INT	CEF	09249E101	2,060,198	198,478	SH		SOLE		198,477	0	0
BOEING CO COM	Stock	097023105	511,336	2,684	SH		SOLE		2,684	0	0
CABLE ONE INC COM	Stock	12685J105	291,863	410	SH		SOLE		410	0	0
CHEVRON CORP NEW COM	Stock	166764100	443,147	2,469	SH		SOLE		2,468	0	0
CIGNA CORP NEW COM	Stock	125523100	416,377	1,257	SH		SOLE		1,256	0	0
CINCINNATI FINL CORP COM	Stock	172062101	525,447	5,132	SH		SOLE		5,131	0	0
CISCO SYS INC COM	Stock	17275R102	470,729	9,881	SH		SOLE		9,880	0	0
COCA COLA CO COM	Stock	191216100	311,380	4,895	SH		SOLE		4,895	0	0
CONOCOPHILLIPS COM	Stock	20825C104	569,751	4,828	SH		SOLE		4,828	0	0
CONSOLIDATED EDISON INC COM	Stock	209115104	241,542	2,534	SH		SOLE		2,534	0	0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND	ETF	81369Y407	683,429	5,291	SH		SOLE		5,291	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	282,572	3,790	SH		SOLE		3,790	0	0
COSTCO WHSL CORP NEW COM	Stock	22160K105	742,557	1,627	SH		SOLE		1,626	0	0
CVS HEALTH CORP COM	Stock	126650100	261,258	2,803	SH		SOLE		2,803	0	0
DISNEY WALT CO COM	Stock	254687106	251,065	2,890	SH		SOLE		2,889	0	0
ELEVANCE HEALTH INC COM	Stock	036752103	315,365	615	SH		SOLE		614	0	0
EMERSON ELEC CO COM	Stock	291011104	695,521	7,240	SH		SOLE		7,240	0	0
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	1,635,470	18,697	SH		SOLE		18,697	0	0
EXXON MOBIL CORP COM	Stock	30231G102	1,101,256	9,984	SH		SOLE		9,984	0	0
FASTENAL CO COM	Stock	311900104	231,605	4,894	SH		SOLE		4,894	0	0
FLAHERTY & CRUMRINE PFD SECS I COM	CEF	338478100	1,884,874	125,491	SH		SOLE		125,490	0	0
GLOBAL PMTS INC COM	Stock	37940X102	709,434	7,143	SH		SOLE		7,142	0	0
GRAHAM HLDGS CO COM CL B	Stock	384637104	262,831	435	SH		SOLE		435	0	0
HEALTH CARE SELECT SECTOR SPDR FUND	ETF	81369Y209	287,658	2,117	SH		SOLE		2,117	0	0
HOME DEPOT INC COM	Stock	437076102	510,728	1,617	SH		SOLE		1,616	0	0
INDUSTRIAL SELECT SECTOR SPDR FUND	ETF	81369Y704	221,970	2,260	SH		SOLE		2,260	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	940,289	6,674	SH		SOLE		6,673	0	0
INTUIT COM	Stock	461202103	289,381	743	SH		SOLE		743	0	0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF	ETF	46137V563	217,990	10,536	SH		SOLE		10,536	0	0
INVESCO SOLAR ETF	ETF	46138G706	707,555	9,701	SH		SOLE		9,700	0	0
INVESCO WILDERHILL CLEAN ENERGY ETF	ETF	46137V134	2,254,883	58,828	SH		SOLE		58,828	0	0
ISHARES 0-5 YEAR TIPS BOND ETF	ETF	46429B747	11,896,304	122,693	SH		SOLE		122,692	0	0
ISHARES 1-3 YEAR INTERNATIONAL TREASURY BOND ETF	ETF	464288125	1,090,722	15,674	SH		SOLE		15,673	0	0
ISHARES 1-3 YEAR TREASURY BOND ETF	ETF	464287457	2,256,836	27,804	SH		SOLE		27,803	0	0
ISHARES 20 YEAR TREASURY BOND ETF	ETF	464287432	883,320	8,872	SH		SOLE		8,872	0	0
ISHARES 7-10 YEAR TREASURY BOND ETF	ETF	464287440	1,790,937	18,698	SH		SOLE		18,698	0	0
ISHARES BIOTECHNOLOGY ETF	ETF	464287556	1,382,365	10,529	SH		SOLE		10,529	0	0
ISHARES COHEN & STEERS REIT ETF	ETF	464287564	2,667,223	48,636	SH		SOLE		48,636	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	10,256,303	26,695	SH		SOLE		26,694	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	1,461,297	6,041	SH		SOLE		6,041	0	0
ISHARES CORE S&P SMALL CAP ETF	ETF	464287804	3,053,944	32,269	SH		SOLE		32,269	0	0
ISHARES CORE S&P U.S. GROWTH ETF	ETF	464287671	1,403,911	17,222	SH		SOLE		17,221	0	0
ISHARES CORE U.S. AGGREGATE BOND ETF	ETF	464287226	4,603,523	47,464	SH		SOLE		47,463	0	0
ISHARES EUROPE ETF	ETF	464287861	2,874,379	63,466	SH		SOLE		63,466	0	0
ISHARES EXPANDED TECH SECTOR ETF	ETF	464287549	940,940	3,360	SH		SOLE		3,360	0	0
ISHARES GLOBAL COMM SERVICES ETF	ETF	464287275	380,563	6,988	SH		SOLE		6,987	0	0
ISHARES GLOBAL ENERGY ETF	ETF	464287341	4,349,707	111,560	SH		SOLE		111,559	0	0
ISHARES GLOBAL FINANCIALS ETF	ETF	464287333	401,311	5,710	SH		SOLE		5,710	0	0
ISHARES GLOBAL HEALTHCARE ETF	ETF	464287325	1,447,377	17,052	SH		SOLE		17,052	0	0
ISHARES GLOBAL UTILITIES ETF	ETF	464288711	379,081	6,300	SH		SOLE		6,300	0	0
ISHARES INTERNATIONAL DEVELOPED REAL ESTATE ETF	ETF	464288489	1,881,053	89,319	SH		SOLE		89,318	0	0
ISHARES INTERNATIONAL TREASURY BOND ETF	ETF	464288117	5,269,898	134,608	SH		SOLE		134,607	0	0
ISHARES JPX-NIKKEI 400 ETF	ETF	464287382	773,119	13,257	SH		SOLE		13,257	0	0
ISHARES LATIN AMERICA 40 ETF	ETF	464287390	644,848	28,172	SH		SOLE		28,171	0	0
ISHARES MICRO-CAP ETF	ETF	464288869	1,393,392	12,922	SH		SOLE		12,922	0	0
ISHARES MSCI AUSTRALIA ETF	ETF	464286103	349,291	15,713	SH		SOLE		15,712	0	0
ISHARES MSCI BRAZIL ETF	ETF	464286400	671,109	23,994	SH		SOLE		23,993	0	0
ISHARES MSCI CANADA ETF	ETF	464286509	1,043,801	31,891	SH		SOLE		31,891	0	0
ISHARES MSCI EAFE ETF	ETF	464287465	3,751,977	57,160	SH		SOLE		57,159	0	0
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	210,723	2,516	SH		SOLE		2,515	0	0
ISHARES MSCI EAFE SMALL-CAP ETF	ETF	464288273	1,224,483	21,680	SH		SOLE		21,679	0	0
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	474,676	10,346	SH		SOLE		10,346	0	0
ISHARES MSCI EMERGING MARKETS ETF	ETF	464287234	1,343,510	35,449	SH		SOLE		35,448	0	0
ISHARES MSCI GLOBAL GOLD MINERS ETF	ETF	46434G855	819,987	36,721	SH		SOLE		36,721	0	0
ISHARES MSCI GLOBAL METALS & MINING PRODUCERS ETF	ETF	46434G848	1,429,810	34,873	SH		SOLE		34,873	0	0
ISHARES MSCI PACIFIC EX-JAPAN ETF	ETF	464286665	227,265	5,311	SH		SOLE		5,311	0	0
ISHARES MSCI UNITED KINGDOM ETF	ETF	46435G334	399,835	13,041	SH		SOLE		13,040	0	0
ISHARES NORTH AMERICAN NATURAL RESOURCES ETF	ETF	464287374	10,075,433	247,797	SH		SOLE		247,797	0	0
ISHARES RUSSELL 1000 ETF	ETF	464287622	2,429,879	11,542	SH		SOLE		11,542	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	286,534	1,337	SH		SOLE		1,337	0	0
ISHARES RUSSELL 2000 ETF	ETF	464287655	1,040,995	5,970	SH		SOLE		5,970	0	0
ISHARES RUSSELL 2000 GROWTH ETF	ETF	464287648	353,583	1,648	SH		SOLE		1,648	0	0
ISHARES RUSSELL 2000 VALUE ETF	ETF	464287630	1,283,968	9,259	SH		SOLE		9,259	0	0
ISHARES RUSSELL 3000 ETF	ETF	464287689	48,145,826	218,170	SH		SOLE		218,170	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	3,245,840	55,484	SH		SOLE		55,484	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,495,084	10,306	SH		SOLE		10,305	0	0
ISHARES S&P MID-CAP 400 GROWTH ETF	ETF	464287606	1,027,707	15,047	SH		SOLE		15,046	0	0
ISHARES S&P MID-CAP 400 VALUE ETF	ETF	464287705	2,106,191	20,895	SH		SOLE		20,894	0	0
ISHARES S&P SMALL-CAP 600 GROWTH ETF	ETF	464287887	1,916,008	17,729	SH		SOLE		17,729	0	0
ISHARES S&P SMALL-CAP 600 VALUE ETF	ETF	464287879	6,415,057	70,256	SH		SOLE		70,255	0	0
ISHARES TIPS BOND ETF	ETF	464287176	9,346,594	87,810	SH		SOLE		87,810	0	0
ISHARES U.S. BASIC MATERIALS ETF	ETF	464287838	410,220	3,288	SH		SOLE		3,287	0	0
ISHARES U.S. CONSUMER DISCRETIONARY ETF	ETF	464287580	253,995	4,459	SH		SOLE		4,459	0	0
ISHARES U.S. CONSUMER STAPLES ETF	ETF	464287812	421,236	2,077	SH		SOLE		2,077	0	0
ISHARES U.S. ENERGY ETF	ETF	464287796	727,121	15,640	SH		SOLE		15,640	0	0
ISHARES U.S. HEALTHCARE ETF	ETF	464287762	231,775	817	SH		SOLE		816	0	0
ISHARES U.S. HOME CONSTRUCTION ETF	ETF	464288752	857,893	14,155	SH		SOLE		14,155	0	0
ISHARES U.S. INDUSTRIALS ETF	ETF	464287754	214,508	2,224	SH		SOLE		2,223	0	0
ISHARES U.S. PHARMACEUTICALS ETF	ETF	464288836	644,948	3,465	SH		SOLE		3,465	0	0
ISHARES U.S. REGIONAL BANKS ETF	ETF	464288778	880,723	18,487	SH		SOLE		18,487	0	0
ISHARES U.S. TELECOMMUNICATIONS ETF	ETF	464287713	325,120	14,495	SH		SOLE		14,494	0	0
ISHARES U.S. TREASURY BOND ETF	ETF	46429B267	677,169	29,805	SH		SOLE		29,804	0	0
ISHARES U.S. UTILITIES ETF	ETF	464287697	1,881,782	21,745	SH		SOLE		21,744	0	0
ISHARES US FINANCIAL SERVICES ETF	ETF	464287770	2,060,449	13,081	SH		SOLE		13,080	0	0
JOHNSON & JOHNSON COM	Stock	478160104	561,718	3,180	SH		SOLE		3,179	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	575,322	4,290	SH		SOLE		4,290	0	0
KIMBERLY-CLARK CORP COM	Stock	494368103	402,173	2,963	SH		SOLE		2,962	0	0
LAM RESEARCH CORP COM	Stock	512807108	449,649	1,070	SH		SOLE		1,069	0	0
LILLY ELI & CO COM	Stock	532457108	370,694	1,013	SH		SOLE		1,013	0	0
LOWES COS INC COM	Stock	548661107	370,213	1,858	SH		SOLE		1,858	0	0
MARATHON PETE CORP COM	Stock	56585A102	324,666	2,789	SH		SOLE		2,789	0	0
MARRIOTT INTL INC NEW CL A	Stock	571903202	385,937	2,592	SH		SOLE		2,592	0	0
MARTIN MARIETTA MATLS INC COM	Stock	573284106	211,289	625	SH		SOLE		625	0	0
MCDONALDS CORP COM	Stock	580135101	284,121	1,078	SH		SOLE		1,078	0	0
MCKESSON CORP COM	Stock	58155Q103	433,475	1,156	SH		SOLE		1,155	0	0
MERCK & CO INC COM	Stock	58933Y105	715,051	6,445	SH		SOLE		6,444	0	0
MICROSOFT CORP COM	Stock	594918104	1,537,777	6,412	SH		SOLE		6,412	0	0
NORTHROP GRUMMAN CORP COM	Stock	666807102	330,525	606	SH		SOLE		605	0	0
NUVEEN CR STRATEGIES INCOME FD COM SHS	CEF	67073D102	339,420	66,684	SH		SOLE		66,683	0	0
NVIDIA CORPORATION COM	Stock	67066G104	1,114,379	7,625	SH		SOLE		7,625	0	0
OLD DOMINION FREIGHT LINE INC COM	Stock	679580100	318,364	1,122	SH		SOLE		1,121	0	0
ORACLE CORP COM	Stock	68389X105	238,891	2,923	SH		SOLE		2,922	0	0
PAYCHEX INC COM	Stock	704326107	587,479	5,084	SH		SOLE		5,083	0	0
PEPSICO INC COM	Stock	713448108	907,276	5,022	SH		SOLE		5,022	0	0
PFIZER INC COM	Stock	717081103	714,295	13,940	SH		SOLE		13,940	0	0
PIMCO ACTIVE BOND ETF	ETF	72201R775	1,955,214	21,609	SH		SOLE		21,609	0	0
PNC FINL SVCS GROUP INC COM	Stock	693475105	277,538	1,757	SH		SOLE		1,757	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	1,152,613	7,605	SH		SOLE		7,604	0	0
RAYTHEON TECHNOLOGIES CORP COM	Stock	75513E101	348,971	3,458	SH		SOLE		3,457	0	0
ROYCE MICRO-CAP TR INC COM	CEF	780915104	2,226,566	256,517	SH		SOLE		256,516	0	0
SANDY SPRING BANCORP INC COM	Stock	800363103	260,238	7,387	SH		SOLE		7,386	0	0
SCHWAB INTERNATIONAL EQUITY ETF	ETF	808524805	242,737	7,536	SH		SOLE		7,536	0	0
SCHWAB U.S. BROAD MARKET ETF	ETF	808524102	4,701,226	104,915	SH		SOLE		104,914	0	0
SCHWAB U.S. SMALL-CAP ETF	ETF	808524607	3,077,993	75,981	SH		SOLE		75,981	0	0
SPDR DOUBLELINE TOTAL RETURN TACTICAL ETF	ETF	78467V848	4,649,563	116,123	SH		SOLE		116,122	0	0
SPDR FTSE INTERNATIONAL GOVERNMENT INFLATION-PROTECTED BOND ETF	ETF	78464A490	4,411,719	107,081	SH		SOLE		107,080	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	408,125	1,067	SH		SOLE		1,067	0	0
SPDR S&P BIOTECH ETF	ETF	78464A870	417,822	5,034	SH		SOLE		5,034	0	0
SPDR S&P METALS & MINING ETF	ETF	78464A755	1,047,384	21,028	SH		SOLE		21,027	0	0
STARBUCKS CORP COM	Stock	855244109	255,860	2,579	SH		SOLE		2,579	0	0
SYSCO CORP COM	Stock	871829107	203,291	2,659	SH		SOLE		2,659	0	0
TECHNOLOGY SELECT SECTOR SPDR FUND	ETF	81369Y803	486,490	3,909	SH		SOLE		3,909	0	0
TEMPLETON EMERGING MKTS FD COM	CEF	880191101	2,037,231	178,392	SH		SOLE		178,391	0	0
TEMPLETON GLOBAL INCOME FD COM	CEF	880198106	3,112,924	718,920	SH		SOLE		718,920	0	0
TEXAS INSTRS INC COM	Stock	882508104	398,185	2,410	SH		SOLE		2,410	0	0
UNION PAC CORP COM	Stock	907818108	238,682	1,153	SH		SOLE		1,152	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	350,907	662	SH		SOLE		661	0	0
VANECK GOLD MINERS ETF	ETF	92189F106	253,853	8,857	SH		SOLE		8,857	0	0
VANECK IG FLOATING RATE ETF	ETF	92189F486	6,584,495	264,650	SH		SOLE		264,650	0	0
VANGUARD ENERGY ETF	ETF	92204A306	3,101,267	25,571	SH		SOLE		25,571	0	0
VANGUARD FTSE ALL-WORLD EX-US SMALL-CAP ETF	ETF	922042718	3,479,528	33,844	SH		SOLE		33,844	0	0
VANGUARD FTSE DEVELOPED MARKETS ETF	ETF	921943858	25,705,730	612,479	SH		SOLE		612,478	0	0
VANGUARD FTSE EMERGING MARKETS ETF	ETF	922042858	4,097,009	105,105	SH		SOLE		105,105	0	0
VANGUARD FTSE EUROPE ETF	ETF	922042874	698,184	12,594	SH		SOLE		12,593	0	0
VANGUARD HEALTH CARE ETF	ETF	92204A504	262,362	1,058	SH		SOLE		1,057	0	0
VANGUARD MID-CAP ETF	ETF	922908629	348,567	1,710	SH		SOLE		1,710	0	0
VANGUARD MID-CAP GROWTH ETF	ETF	922908538	249,875	1,390	SH		SOLE		1,390	0	0
VANGUARD REAL ESTATE ETF	ETF	922908553	4,766,651	57,792	SH		SOLE		57,791	0	0
VANGUARD RUSSELL 3000 ETF	ETF	92206C599	6,770,700	39,422	SH		SOLE		39,421	0	0
VANGUARD S&P 500 VALUE ETF	ETF	921932703	4,097,365	29,254	SH		SOLE		29,254	0	0
VANGUARD SMALL CAP VALUE ETF	ETF	922908611	1,373,827	8,651	SH		SOLE		8,651	0	0
VANGUARD SMALL-CAP ETF	ETF	922908751	1,091,365	5,946	SH		SOLE		5,946	0	0
VANGUARD SMALL-CAP GROWTH ETF	ETF	922908595	352,337	1,757	SH		SOLE		1,756	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	20,236,944	281,695	SH		SOLE		281,694	0	0
VANGUARD TOTAL INTERNATIONAL STOCK ETF	ETF	921909768	213,678	4,131	SH		SOLE		4,131	0	0
VANGUARD TOTAL STOCK MARKET ETF	ETF	922908769	1,258,152	6,581	SH		SOLE		6,580	0	0
VANGUARD TOTAL WORLD STOCK ETF	ETF	922042742	514,763	5,972	SH		SOLE		5,972	0	0
VISA INC COM CL A	Stock	92826C839	281,942	1,357	SH		SOLE		1,357	0	0
WELLS FARGO CO NEW COM	Stock	949746101	233,030	5,644	SH		SOLE		5,643	0	0
WILLIS TOWERS WATSON PLC LTD SHS	Stock	G96629103	415,297	1,698	SH		SOLE		1,698	0	0
YUM BRANDS INC COM	Stock	988498101	335,506	2,620	SH		SOLE		2,619	0	0