Sterling Investment Advisors 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 Company	COM	88579Y101	435,698	3,375	SH		SOLE		0	0	3,375
Abbott Laboratories	COM	002824100	1,385,193	12,246	SH		SOLE		0	0	12,246
Accenture plc	COM	G1151C101	260,676	741	SH		SOLE		0	0	741
Adobe, Inc.	COM	00724F101	504,712	1,135	SH		SOLE		0	0	1,135
Advanced Micro Devices, Inc.	COM	007903107	638,858	5,289	SH		SOLE		0	0	5,289
Air Products & Chemicals, Inc.	COM	009158106	453,913	1,565	SH		SOLE		0	0	1,565
Alerian MLP ETF	ETF	00162Q866	2,825,003	58,659	SH		SOLE		0	0	58,659
Align Technology, Inc.	COM	016255101	648,466	3,110	SH		SOLE		0	0	3,110
Alphabet, Inc. A	COM	02079K305	11,250,925	59,434	SH		SOLE		0	0	59,434
Alphabet, Inc. C	COM	02079K107	3,701,305	19,436	SH		SOLE		0	0	19,436
Altria Group, Inc.	COM	02209S103	346,676	6,630	SH		SOLE		0	0	6,630
Amazon.com, Inc.	COM	023135106	15,676,461	71,455	SH		SOLE		0	0	71,455
American Express Co.	COM	025816109	480,402	1,619	SH		SOLE		0	0	1,619
American Tower Corp.	COM	03027X100	2,659,197	14,499	SH		SOLE		0	0	14,499
Amgen, Inc.	COM	031162100	3,327,591	12,767	SH		SOLE		0	0	12,767
Annovis Bio, Inc.	COM	03615A108	120,589	23,974	SH		SOLE		0	0	23,974
Apple, Inc.	COM	037833100	33,780,143	134,894	SH		SOLE		0	0	134,894
Aurora Innovation Inc	COM	051774107	1,418,760	225,200	SH		SOLE		0	0	225,200
Automatic Data Processing	COM	053015103	248,821	850	SH		SOLE		0	0	850
Bank of America Corp.	COM	060505104	264,447	6,017	SH		SOLE		0	0	6,017
Berkshire Hathaway, Inc. B	COM	084670702	4,088,586	9,020	SH		SOLE		0	0	9,020
BlackRock, Inc.	COM	09247X101	3,295,658	3,215	SH		SOLE		0	0	3,215
Blackstone Group, Inc.	COM	09260D107	3,672,840	21,302	SH		SOLE		0	0	21,302
Cameco Corp	COM	13321L108	248,779	4,841	SH		SOLE		0	0	4,841
Capital Group Core Plus Income ETF	ETF	14020Y102	260,295	11,725	SH		SOLE		0	0	11,725
Cardinal Health, Inc.	COM	14149Y108	2,355,347	19,915	SH		SOLE		0	0	19,915
Caterpillar, Inc.	COM	149123101	634,328	1,749	SH		SOLE		0	0	1,749
Check Point Software Tech Com	COM	M22465104	358,464	1,920	SH		SOLE		0	0	1,920
Chevron Corp.	COM	166764100	3,792,818	26,186	SH		SOLE		0	0	26,186
Cisco Systems, Inc.	COM	17275R102	1,247,307	21,069	SH		SOLE		0	0	21,069
Cloudflare, Inc.	COM	18915M107	217,298	2,018	SH		SOLE		0	0	2,018
Coca-Cola Co.	COM	191216100	1,034,075	16,609	SH		SOLE		0	0	16,609
Comcast Corp. A	COM	20030N101	979,768	26,106	SH		SOLE		0	0	26,106
ConocoPhillips, Inc.	COM	20825c104	529,667	5,341	SH		SOLE		0	0	5,341
Constellation Energy Group, Inc.	COM	21037T109	254,358	1,137	SH		SOLE		0	0	1,137
Corning, Inc.	COM	219350105	688,090	14,480	SH		SOLE		0	0	14,480
Costco Wholesale Corp.	COM	22160K105	9,367,535	10,224	SH		SOLE		0	0	10,224
CrowdStrike Holdings, Inc.	COM	22788C105	8,696,339	25,416	SH		SOLE		0	0	25,416
Cummins, Inc.	COM	231021106	2,187,465	6,275	SH		SOLE		0	0	6,275
Deere & Co.	COM	244199105	3,607,449	8,514	SH		SOLE		0	0	8,514
Eaton Corp.	COM	G29183103	2,416,677	7,282	SH		SOLE		0	0	7,282
Eli Lilly & Co.	COM	532457108	708,696	918	SH		SOLE		0	0	918
Emerson Electric Co.	COM	291011104	1,537,400	12,405	SH		SOLE		0	0	12,405
Enbridge, Inc.	COM	29250N105	398,630	9,395	SH		SOLE		0	0	9,395
Energy Select Sector SPDR ETF	ETF	81369Y506	257,687	3,008	SH		SOLE		0	0	3,008
Essential Utilities, Inc.	COM	29670G102	1,031,978	28,414	SH		SOLE		0	0	28,414
Exxon Mobil Corp.	COM	30231G102	4,228,037	39,305	SH		SOLE		0	0	39,305
Fidelity National Financial, Inc.	COM	31620R303	2,218,372	39,515	SH		SOLE		0	0	39,515
First Resource Bank	COM	336177100	206,853	13,511	SH		SOLE		0	0	13,511
First Solar Inc	COM	336433107	402,708	2,285	SH		SOLE		0	0	2,285
First Trust Cloud Computing ETF	ETF	33734X192	285,888	2,400	SH		SOLE		0	0	2,400
First Trust Large Cap Core AlphaDEX ETF	ETF	33734K109	712,754	6,834	SH		SOLE		0	0	6,834
First Trust Mid Cap Core AlphaDEX ETF	ETF	33735B108	1,179,765	10,195	SH		SOLE		0	0	10,195
Gamestop Corp Cl A New	COM	36467W109	271,624	8,667	SH		SOLE		0	0	8,667
General Mills, Inc.	COM	370334104	1,430,042	22,425	SH		SOLE		0	0	22,425
Global X Robotics & A.I. ETF	ETF	37954Y715	3,323,439	104,020	SH		SOLE		0	0	104,020
Global X S&P 500 Catholic Values ETF	ETF	37954Y889	273,442	3,860	SH		SOLE		0	0	3,860
Global-E Online, Ltd.	COM	M5216V106	2,993,697	54,900	SH		SOLE		0	0	54,900
Globus Medical, Inc.	COM	379577208	12,921,204	156,223	SH		SOLE		0	0	156,223
Goldman Sachs Group, Inc.	COM	38141G104	7,608,036	13,286	SH		SOLE		0	0	13,286
Honeywell International, Inc.	COM	438516106	3,254,125	14,406	SH		SOLE		0	0	14,406
IBM	COM	459200101	289,296	1,316	SH		SOLE		0	0	1,316
IDEXX Laboratories, Inc.	COM	45168D104	454,784	1,100	SH		SOLE		0	0	1,100
Immunome, Inc.	COM	45257U108	117,510	11,065	SH		SOLE		0	0	11,065
Intel Corp.	COM	458140100	343,257	17,120	SH		SOLE		0	0	17,120
Invesco QQQ ETF	ETF	631100104	1,194,149	2,336	SH		SOLE		0	0	2,336
Invesco S&P 500 Equal Weight ETF	ETF	78355W106	2,556,956	14,592	SH		SOLE		0	0	14,592
iShares Bitcoin Trust	COM	46438F101	1,857,227	35,009	SH		SOLE		0	0	35,009
iShares Cohen & Steers REIT ETF	ETF	464287564	321,487	5,335	SH		SOLE		0	0	5,335
iShares Core S&P 500 ETF	ETF	464287200	292,574	497	SH		SOLE		0	0	497
iShares Core S&P Small-Cap ETF	ETF	78468R853	8,600,058	74,640	SH		SOLE		0	0	74,640
iShares MSCI EAFE Index Fund ETF	ETF	464287465	656,748	8,686	SH		SOLE		0	0	8,686
iShares MSCI Emerging Markets Index Fund ETF	ETF	464287234	472,357	11,295	SH		SOLE		0	0	11,295
iShares MSCI Kld Social Index ETF	ETF	464288570	330,750	3,000	SH		SOLE		0	0	3,000
iShares Russell 2000 ETF	ETF	464287655	206,819	936	SH		SOLE		0	0	936
iShares S&P Mid Cap 400 Index ETF	ETF	464287507	557,986	8,955	SH		SOLE		0	0	8,955
iShares S&P National Muni Bond ETF	ETF	464288414	2,822,510	26,490	SH		SOLE		0	0	26,490
iShares Select Dividend ETF	ETF	464287168	8,674,115	66,068	SH		SOLE		0	0	66,068
iShares U.S. Home Construction ETF	ETF	464288752	627,332	6,068	SH		SOLE		0	0	6,068
iShares US Preferred Stock ETF	ETF	464288687	2,880,458	91,618	SH		SOLE		0	0	91,618
J.P. Morgan Chase & Co.	COM	46625H100	5,943,220	24,793	SH		SOLE		0	0	24,793
Johnson & Johnson	COM	478160104	5,536,153	38,281	SH		SOLE		0	0	38,281
JPMorgan Active Bond ETF	ETF	46654Q716	779,048	14,910	SH		SOLE		0	0	14,910
JPMorgan Core Plus Bond ETF	ETF	46641Q670	977,605	21,220	SH		SOLE		0	0	21,220
JPMorgan Equity Premium Income ETF	ETF	46641Q332	5,706,483	99,191	SH		SOLE		0	0	99,191
JPMorgan Nasdaq Equity Premium Income ETF	ETF	46654Q203	353,564	6,271	SH		SOLE		0	0	6,271
JPMorgan Ultra-Short Income ETF	ETF	46641Q837	617,033	12,250	SH		SOLE		0	0	12,250
Kimberly-Clark Corp.	COM	494368103	211,957	1,617	SH		SOLE		0	0	1,617
Kinder Morgan, Inc.	COM	49456B101	13,041,926	475,983	SH		SOLE		0	0	475,983
KKR & Co.	COM	48251W104	8,718,315	58,943	SH		SOLE		0	0	58,943
Lockheed Martin Corp.	COM	539830109	6,426,974	13,226	SH		SOLE		0	0	13,226
Lowe's Companies, Inc.	COM	548661107	3,094,282	12,538	SH		SOLE		0	0	12,538
Marriott International, Inc.	COM	571903202	230,126	825	SH		SOLE		0	0	825
Marvell Technology Group, LTD	COM	573874104	266,737	2,415	SH		SOLE		0	0	2,415
McDonald's Corp.	COM	580135101	1,616,137	5,575	SH		SOLE		0	0	5,575
Medtronic plc	COM	585055106	1,582,662	19,813	SH		SOLE		0	0	19,813
Merck & Co.	COM	58933Y108	2,912,980	29,282	SH		SOLE		0	0	29,282
Meta Platforms, Inc.	COM	30303M102	3,595,034	6,140	SH		SOLE		0	0	6,140
Microsoft Corp.	COM	594918104	10,408,565	24,694	SH		SOLE		0	0	24,694
MicroStrategy, Inc.	COM	594972408	1,558,156	5,380	SH		SOLE		0	0	5,380
Mondelez International, Inc.	COM	609207105	1,414,287	23,678	SH		SOLE		0	0	23,678
Netflix, Inc.	COM	64110L106	643,625	722	SH		SOLE		0	0	722
Northrop Grumman Corp.	COM	666807102	207,486	442	SH		SOLE		0	0	442
Nvidia Corp.	COM	67066G104	10,075,556	75,028	SH		SOLE		0	0	75,028
Oracle Corp.	COM	68389X105	1,766,551	10,601	SH		SOLE		0	0	10,601
Palantir Technologies, Inc.	COM	69608A108	455,444	6,022	SH		SOLE		0	0	6,022
Paychex, Inc.	COM	704326107	2,276,812	16,237	SH		SOLE		0	0	16,237
PepsiCo, Inc.	COM	713448108	2,071,333	13,622	SH		SOLE		0	0	13,622
Pfizer, Inc.	COM	717081103	207,324	7,815	SH		SOLE		0	0	7,815
Phillips 66	COM	718546104	269,331	2,364	SH		SOLE		0	0	2,364
PIMCO Intermediate Muni Bond Active ETF	ETF	72201R866	667,317	12,900	SH		SOLE		0	0	12,900
PIMCO Municipal Income Opportunities Active ETF	ETF	72201R635	519,317	11,525	SH		SOLE		0	0	11,525
PPL Corp.	COM	69351T106	1,043,870	32,159	SH		SOLE		0	0	32,159
Procter & Gamble Co.	COM	742718109	3,245,519	19,359	SH		SOLE		0	0	19,359
Public Storage	COM	74460D109	935,750	3,125	SH		SOLE		0	0	3,125
Quanta Services, Inc.	COM	74762E102	252,840	800	SH		SOLE		0	0	800
Reaves Utility Income Fund	CEF	756158101	5,664,210	178,738	SH		SOLE		0	0	178,738
Regeneron Pharmaceuticals, Inc.	COM	75886F107	2,679,785	3,762	SH		SOLE		0	0	3,762
RTX Corp.	COM	75513E101	477,345	4,125	SH		SOLE		0	0	4,125
Schwab U.S. Large-Cap ETF	ETF	808524201	209,709	9,047	SH		SOLE		0	0	9,047
SFL Corporation Ltd.	COM	G81075106	119,319	11,675	SH		SOLE		0	0	11,675
Shopify, Inc.	COM	82509L107	3,575,878	33,630	SH		SOLE		0	0	33,630
SPDR Bloomberg Convertible Securities ETF	ETF	78464A359	4,224,804	54,241	SH		SOLE		0	0	54,241
SPDR Gold MiniShares ETF	ETF	98149E303	7,949,479	152,904	SH		SOLE		0	0	152,904
SPDR Mid Cap ETF	ETF	78464A847	1,777,949	32,510	SH		SOLE		0	0	32,510
SPDR S&P 500 ETF	ETF	78462f103	1,944,207	3,317	SH		SOLE		0	0	3,317
SPDR S&P MidCap 400 ETF	ETF	78467Y107	2,553,043	4,482	SH		SOLE		0	0	4,482
Stryker Corp.	COM	863667101	1,161,161	3,225	SH		SOLE		0	0	3,225
Tema GLP-1, Obesity & Cardiometabolic ETF	ETF	87975E883	4,841,600	167,703	SH		SOLE		0	0	167,703
Tesla, Inc.	COM	88160R101	2,517,942	6,235	SH		SOLE		0	0	6,235
The Boeing Company	COM	097023105	311,874	1,762	SH		SOLE		0	0	1,762
The Charles Schwab Corp.	COM	808513105	2,491,325	33,662	SH		SOLE		0	0	33,662
The Cigna Group	COM	125509109	265,371	961	SH		SOLE		0	0	961
The Home Depot, Inc.	COM	437076102	7,589,655	19,511	SH		SOLE		0	0	19,511
The Mosaic Co.	COM	61945C103	3,363,773	136,850	SH		SOLE		0	0	136,850
The TJX Companies, Inc.	COM	872540109	607,191	5,026	SH		SOLE		0	0	5,026
The Trade Desk, Inc.	COM	88339J105	5,459,269	46,450	SH		SOLE		0	0	46,450
Truist Financial Corp.	COM	89832Q109	4,553,353	104,964	SH		SOLE		0	0	104,964
Unilever PLC ADR	ADR	904767704	324,664	5,726	SH		SOLE		0	0	5,726
UnitedHealth Group, Inc.	COM	91324P102	228,143	451	SH		SOLE		0	0	451
VanEck Gold Miners ETF	ETF	92189F106	7,337,761	216,389	SH		SOLE		0	0	216,389
VanEck Junior Gold Miners ETF	ETF	92189F791	585,675	13,700	SH		SOLE		0	0	13,700
VanEck Morningstar Wide Moat ETF	ETF	92189F643	6,806,479	73,405	SH		SOLE		0	0	73,405
VanEck Semiconductor ETF	ETF	92189F676	931,593	3,847	SH		SOLE		0	0	3,847
VanEck Uranium & Nuclear ETF	ETF	92189F601	918,735	11,295	SH		SOLE		0	0	11,295
Vanguard Developed Markets Index ETF	ETF	921943858	248,281	5,192	SH		SOLE		0	0	5,192
Vanguard Emerging Markets Stock Index ETF	ETF	922042858	565,958	12,851	SH		SOLE		0	0	12,851
Vanguard Growth Index ETF	ETF	922908736	563,945	1,374	SH		SOLE		0	0	1,374
Vanguard S&P 500 ETF	ETF	922908363	521,522	968	SH		SOLE		0	0	968
Vanguard Short-Term Bond Index ETF	ETF	921937827	273,459	3,539	SH		SOLE		0	0	3,539
Vanguard Total Bond Market Index ETF	ETF	921937835	388,674	5,405	SH		SOLE		0	0	5,405
Vanguard Total World Stock Index ETF	ETF	922042742	374,056	3,184	SH		SOLE		0	0	3,184
Vanguard Utilities ETF	ETF	92204A876	2,926,035	17,905	SH		SOLE		0	0	17,905
Vanguard Value Index ETF	ETF	922908744	306,264	1,809	SH		SOLE		0	0	1,809
Vertex, Inc.	COM	92538J106	1,692,262	31,720	SH		SOLE		0	0	31,720
Visa, Inc.	COM	92826C839	6,532,594	20,670	SH		SOLE		0	0	20,670
Walmart, Inc.	COM	931142103	4,367,982	48,345	SH		SOLE		0	0	48,345
Walt Disney Co.	COM	254687106	639,304	5,741	SH		SOLE		0	0	5,741
Waste Management, Inc.	COM	94106L109	319,552	1,584	SH		SOLE		0	0	1,584
Zoetis, Inc.	COM	98978V103	296,858	1,822	SH		SOLE		0	0	1,822
Zscaler, Inc.	COM	98980G102	2,490,560	13,805	SH		SOLE		0	0	13,805