Synergy Financial Management 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

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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	231,021	2,178	SH		SOLE		0	0	2,178
ABBOTT LABS	COM	002824100	4,779,858	42,054	SH		SOLE		0	0	42,054
ADVANCED MICRO DEVICES INC	COM	007903107	4,818,542	26,697	SH		SOLE		0	0	26,697
ALPHABET INC	CAP STK CL A	02079K305	19,069,553	126,347	SH		SOLE		0	0	126,347
ALTRIA GROUP INC	COM	02209S103	3,344,326	76,670	SH		SOLE		0	0	76,670
AMAZON COM INC	COM	023135106	21,255,799	117,839	SH		SOLE		0	0	117,839
AMERICAN CENTY ETF TR	QUALITY DIVRSFED	025072406	200,213	4,030	SH		SOLE		0	0	4,030
AMERICAN CENTY ETF TR	FOCUSED DYNAMIC	025072810	4,528,398	54,812	SH		SOLE		0	0	54,812
AMERICAN CENTY ETF TR	QUALITY PREFER	025072539	6,870,810	185,212	SH		SOLE		0	0	185,212
APPLE INC	COM	037833100	19,641,080	114,539	SH		SOLE		0	0	114,539
ARCH CAP GROUP LTD	ORD	G0450A105	13,587,849	146,991	SH		SOLE		0	0	146,991
ARCOSA INC	COM	039653100	5,241,925	61,052	SH		SOLE		0	0	61,052
AUTOMATIC DATA PROCESSING IN	COM	053015103	671,302	2,688	SH		SOLE		0	0	2,688
BANK AMERICA CORP	COM	060505104	3,339,314	88,062	SH		SOLE		0	0	88,062
BECTON DICKINSON & CO	COM	075887109	1,013,803	4,097	SH		SOLE		0	0	4,097
BELPOINTE PREP LLC	UNIT RP LTD LB A	080694102	318,151	5,225	SH		SOLE		0	0	5,225
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,104,707	2,627	SH		SOLE		0	0	2,627
BOEING CO	COM	097023105	287,510	1,490	SH		SOLE		0	0	1,490
BRISTOL-MYERS SQUIBB CO	COM	110122108	2,851,324	52,578	SH		SOLE		0	0	52,578
BROADCOM INC	COM	11135F101	243,876	184	SH		SOLE		0	0	184
BROOKFIELD INFRAST PARTNERS	LP INT UNIT	G16252101	4,918,665	157,599	SH		SOLE		0	0	157,599
CHESAPEAKE UTILS CORP	COM	165303108	511,070	4,763	SH		SOLE		0	0	4,763
CHEVRON CORP NEW	COM	166764100	2,894,529	18,350	SH		SOLE		0	0	18,350
CISCO SYS INC	COM	17275R102	2,772,916	55,558	SH		SOLE		0	0	55,558
COCA COLA CO	COM	191216100	21,633,933	353,611	SH		SOLE		0	0	353,611
COMCAST CORP NEW	CL A	20030N101	4,593,193	105,956	SH		SOLE		0	0	105,956
COMPASS INC	CL A	20464U100	86,534	24,037	SH		SOLE		0	0	24,037
CONSTELLATION BRANDS INC	CL A	21036P108	1,002,251	3,688	SH		SOLE		0	0	3,688
COSTCO WHSL CORP NEW	COM	22160K105	2,554,190	3,486	SH		SOLE		0	0	3,486
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	262,310	8,210	SH		SOLE		0	0	8,210
DIMENSIONAL ETF TRUST	US CORE EQT MKT	25434V104	279,093	7,638	SH		SOLE		0	0	7,638
EA SERIES TRUST	US QUAN MOMENTUM	02072L409	4,360,427	73,768	SH		SOLE		0	0	73,768
ELDORADO GOLD CORP NEW	COM	284902509	202,749	14,410	SH		SOLE		0	0	14,410
EQUINOX GOLD CORP	COM	29446Y502	222,397	36,943	SH		SOLE		0	0	36,943
EXXON MOBIL CORP	COM	30231G102	6,926,767	59,590	SH		SOLE		0	0	59,590
F5 INC	COM	315616102	202,483	1,068	SH		SOLE		0	0	1,068
FIRST TR EXCH TRADED FD III	EME MRK BD ETF	33739P202	446,697	15,857	SH		SOLE		0	0	15,857
FIRST TR EXCH TRADED FD III	PFD SECS INC ETF	33739E108	7,358,576	424,860	SH		SOLE		0	0	424,860
FIRST TR EXCHANGE-TRADED FD	RISNG DIVD ACHIV	33738R506	281,412	5,010	SH		SOLE		0	0	5,010
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	8,414,827	141,141	SH		SOLE		0	0	141,141
FIRST TR EXCHNG TRADED FD VI	FT VEST US EQT	33740U653	8,159,749	247,602	SH		SOLE		0	0	247,602
FISERV INC	COM	337738108	1,026,365	6,422	SH		SOLE		0	0	6,422
GENERAL DYNAMICS CORP	COM	369550108	967,246	3,424	SH		SOLE		0	0	3,424
GENERAL ELECTRIC CO	COM NEW	369604301	363,669	2,072	SH		SOLE		0	0	2,072
GILEAD SCIENCES INC	COM	375558103	3,723,957	50,839	SH		SOLE		0	0	50,839
GLOBAL X FDS	US INFR DEV ETF	37954Y673	3,656,788	91,856	SH		SOLE		0	0	91,856
GOLDMAN SACHS ETF TR	ACTIVEBETA US LG	381430503	270,789	2,609	SH		SOLE		0	0	2,609
GRAPHIC PACKAGING HLDG CO	COM	388689101	1,060,189	36,333	SH		SOLE		0	0	36,333
GRAYSCALE BITCOIN TR BTC	SHS REP COM UT	389637109	376,494	5,960	SH		SOLE		0	0	5,960
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	12,977,300	94,428	SH		SOLE		0	0	94,428
INVESCO EXCH TRADED FD TR II	S&P SMLCAP QTY	46138G300	203,430	4,940	SH		SOLE		0	0	4,940
INVESCO EXCH TRADED FD TR II	DORSEY WRGT SMLC	46138E842	370,013	4,070	SH		SOLE		0	0	4,070
INVESCO EXCH TRADED FD TR II	S&P INTL MOMNT	46138E222	4,392,459	104,458	SH		SOLE		0	0	104,458
INVESCO EXCH TRADED FD TR II	S&P 500 MOMNTM	46138E339	4,571,016	56,981	SH		SOLE		0	0	56,981
INVESCO EXCH TRADED FD TR II	VAR RATE PFD	46138G870	7,554,154	317,802	SH		SOLE		0	0	317,802
INVESCO EXCHANGE TRADED FD T	S&P 500 TOP 50	46137V233	661,633	15,705	SH		SOLE		0	0	15,705
INVESCO EXCHANGE TRADED FD T	S&P MDCP MOMNTUM	46137V464	4,688,716	40,821	SH		SOLE		0	0	40,821
INVESCO QQQ TR	UNIT SER 1	46090E103	329,012	741	SH		SOLE		0	0	741
ISHARES BITCOIN TR	SHS	46438F101	2,108,811	52,108	SH		SOLE		0	0	52,108
ISHARES TR	S&P SML 600 GWT	464287887	205,377	1,571	SH		SOLE		0	0	1,571
ISHARES TR	CONV BD ETF	46435G102	246,595	3,089	SH		SOLE		0	0	3,089
ISHARES TR	INVESTMENT GRADE	46435G219	399,435	8,906	SH		SOLE		0	0	8,906
ISHARES TR	CORE INTL AGGR	46435G672	1,083,836	21,698	SH		SOLE		0	0	21,698
ISHARES TR	CORE US AGGBD ET	464287226	1,995,389	20,374	SH		SOLE		0	0	20,374
ISHARES TR	US HOME CONS ETF	464288752	3,538,974	30,569	SH		SOLE		0	0	30,569
ISHARES TR	FACTORS US GRO	46436E403	4,494,107	94,414	SH		SOLE		0	0	94,414
ISHARES TR	0-3 MNTH TREASRY	46436E718	37,830,317	375,636	SH		SOLE		0	0	375,636
J P MORGAN EXCHANGE TRADED F	EQUITY FOCUS ETF	46654Q781	334,892	5,603	SH		SOLE		0	0	5,603
JOHN HANCOCK EXCHANGE TRADED	MULTIFACTOR MI	47804J206	358,970	6,256	SH		SOLE		0	0	6,256
JOHNSON & JOHNSON	COM	478160104	16,241,210	102,669	SH		SOLE		0	0	102,669
JOHNSON CTLS INTL PLC	SHS	G51502105	2,923,005	44,749	SH		SOLE		0	0	44,749
JPMORGAN CHASE & CO	COM	46625H100	3,424,479	17,097	SH		SOLE		0	0	17,097
KRAFT HEINZ CO	COM	500754106	2,791,578	75,653	SH		SOLE		0	0	75,653
LINDE PLC	SHS	G54950103	4,138,949	8,914	SH		SOLE		0	0	8,914
LOCKHEED MARTIN CORP	COM	539830109	6,580,164	14,466	SH		SOLE		0	0	14,466
M & T BK CORP	COM	55261F104	2,745,617	18,878	SH		SOLE		0	0	18,878
MASTERCARD INCORPORATED	CL A	57636Q104	3,417,716	7,097	SH		SOLE		0	0	7,097
MATTERPORT INC	COM CL A	577096100	113,000	50,000	SH		SOLE		0	0	50,000
MCDONALDS CORP	COM	580135101	4,118,162	14,606	SH		SOLE		0	0	14,606
MERCADOLIBRE INC	COM	58733R102	11,826,552	7,822	SH		SOLE		0	0	7,822
MERCK & CO INC	COM	58933Y105	3,796,461	28,772	SH		SOLE		0	0	28,772
META PLATFORMS INC	CL A	30303M102	19,109,524	39,354	SH		SOLE		0	0	39,354
MICROSOFT CORP	COM	594918104	38,989,359	92,673	SH		SOLE		0	0	92,673
MICROSTRATEGY INC	CL A NEW	594972408	1,297,171	761	SH		SOLE		0	0	761
MONDELEZ INTL INC	CL A	609207105	992,390	14,177	SH		SOLE		0	0	14,177
NEXTERA ENERGY INC	COM	65339F101	428,261	6,701	SH		SOLE		0	0	6,701
NIKE INC	CL B	654106103	895,066	9,524	SH		SOLE		0	0	9,524
NORTHERN LTS FD TR IV	INSPIRE FAITH MD	66538H369	273,572	9,103	SH		SOLE		0	0	9,103
NOVARTIS AG	SPONSORED ADR	66987V109	2,568,666	26,555	SH		SOLE		0	0	26,555
NVIDIA CORPORATION	COM	67066G104	19,840,371	21,958	SH		SOLE		0	0	21,958
PEPSICO INC	COM	713448108	314,143	1,795	SH		SOLE		0	0	1,795
PFIZER INC	COM	717081103	6,201,669	223,484	SH		SOLE		0	0	223,484
PHILIP MORRIS INTL INC	COM	718172109	4,614,809	50,369	SH		SOLE		0	0	50,369
PROCTER AND GAMBLE CO	COM	742718109	498,919	3,075	SH		SOLE		0	0	3,075
PROGRESSIVE CORP	COM	743315103	328,431	1,588	SH		SOLE		0	0	1,588
PROSHARES TR	HGH YLD INT RATE	74348A541	7,528,946	117,787	SH		SOLE		0	0	117,787
PUBLIC STORAGE	COM	74460D109	2,707,130	9,333	SH		SOLE		0	0	9,333
RESMED INC	COM	761152107	14,406,096	72,747	SH		SOLE		0	0	72,747
SALESFORCE INC	COM	79466L302	3,347,616	11,115	SH		SOLE		0	0	11,115
SANOFI	SPONSORED ADR	80105N105	2,747,240	56,528	SH		SOLE		0	0	56,528
SCHLUMBERGER LTD	COM STK	806857108	15,633,676	285,234	SH		SOLE		0	0	285,234
SCHWAB STRATEGIC TR	SCHWB FDT EMK LG	808524730	458,640	16,522	SH		SOLE		0	0	16,522
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,953,180	3,734	SH		SOLE		0	0	3,734
SPDR SER TR	S&P METALS MNG	78464A755	243,411	4,038	SH		SOLE		0	0	4,038
SPDR SER TR	PRTFLO S&P500 GW	78464A409	249,705	3,414	SH		SOLE		0	0	3,414
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	41,818,182	455,536	SH		SOLE		0	0	455,536
SPROTT PHYSICAL SILVER TR	TR UNIT	85207K107	90,710	10,942	SH		SOLE		0	0	10,942
SSGA ACTIVE TR	SPDR DBLELN SHRT	78470P200	957,213	20,370	SH		SOLE		0	0	20,370
STARBUCKS CORP	COM	855244109	239,432	2,620	SH		SOLE		0	0	2,620
TESLA INC	COM	88160R101	3,214,145	18,284	SH		SOLE		0	0	18,284
THERMO FISHER SCIENTIFIC INC	COM	883556102	3,021,130	5,198	SH		SOLE		0	0	5,198
UNION PAC CORP	COM	907818108	2,955,522	12,018	SH		SOLE		0	0	12,018
UNITEDHEALTH GROUP INC	COM	91324P102	15,647,868	31,631	SH		SOLE		0	0	31,631
URANIUM ENERGY CORP	COM	916896103	180,192	26,695	SH		SOLE		0	0	26,695
VANECK ETF TRUST	FALLEN ANGEL HG	92189F437	215,822	7,437	SH		SOLE		0	0	7,437
VANGUARD INDEX FDS	MCAP GR IDXVIP	922908538	212,211	900	SH		SOLE		0	0	900
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	551,766	3,539	SH		SOLE		0	0	3,539
VANGUARD INDEX FDS	GROWTH ETF	922908736	1,082,956	3,146	SH		SOLE		0	0	3,146
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	4,203,453	16,173	SH		SOLE		0	0	16,173
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	809,613	13,804	SH		SOLE		0	0	13,804
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	953,161	16,414	SH		SOLE		0	0	16,414
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	660,683	3,618	SH		SOLE		0	0	3,618
VANGUARD WELLINGTON FD	US QUALITY	921935706	280,570	2,049	SH		SOLE		0	0	2,049
VERIZON COMMUNICATIONS INC	COM	92343V104	2,952,641	70,368	SH		SOLE		0	0	70,368
VISA INC	COM CL A	92826C839	3,116,658	11,168	SH		SOLE		0	0	11,168
WALMART INC	COM	931142103	369,767	6,145	SH		SOLE		0	0	6,145
WEC ENERGY GROUP INC	COM	92939U106	2,759,643	33,605	SH		SOLE		0	0	33,605
WISDOMTREE TR	JAPN HEDGE EQT	97717W851	3,465,056	31,936	SH		SOLE		0	0	31,936