Summit Financial 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
VANGUARD INDEX FDS TOTAL STK MKT	ETF	922908769	324,759,675	1,698,623	SH		SOLE		0	0	1,698,623
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US	ETF	922042775	148,789,527	2,967,482	SH		SOLE		0	0	2,967,482
VANGUARD INDEX FDS GROWTH ETF	ETF	922908736	43,391,130	203,609	SH		SOLE		0	0	203,609
VANGUARD INDEX FDS VALUE ETF	ETF	922908744	38,593,508	274,941	SH		SOLE		0	0	274,941
VANGUARD INDEX FDS SM CP VAL ETF	ETF	922908611	31,337,681	197,341	SH		SOLE		0	0	197,341
CHIPOTLE MEXICAN GRILL INC COM	Common Stock	169656105	30,860,553	22,242	SH		SOLE		0	0	22,242
VANGUARD INDEX FDS MCAPVLIDXVIP	ETF	922908512	27,881,307	206,162	SH		SOLE		0	0	206,162
SPDR S&P 500 ETF TRTR UNIT	ETF	78462F103	22,160,717	57,947	SH		SOLE		0	0	57,947
APPLE INC COM	Common Stock	037833100	17,428,752	134,140	SH		SOLE		0	0	134,140
VANGUARD INDEX FDSS&P 500 ETF SHS	ETF	922908363	16,740,505	47,648	SH		SOLE		0	0	47,648
ISHARES CORE S&P 500 ETF	ETF	464287200	15,383,847	40,040	SH		SOLE		0	0	40,040
YUM BRANDS INCCOM	Common Stock	988498101	13,459,691	105,088	SH		SOLE		0	0	105,088
AMAZONCOMINCCOM	Common Stock	023135106	12,175,904	144,951	SH		SOLE		0	0	144,951
VANGUARD TAX-MANAGED INTLFD FTSE DEV MKT ETF	ETF	921943858	10,653,825	253,844	SH		SOLE		0	0	253,844
MICROSOFT CORPCOM	Common Stock	594918104	10,149,758	42,322	SH		SOLE		0	0	42,322
SCHWAB STRATEGIC T RSCHWB FDT INTLG	ETF	808524755	9,987,202	343,557	SH		SOLE		0	0	343,557
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF	ETF	922042858	6,953,741	178,393	SH		SOLE		0	0	178,393
VANGUARD INDEX FDS MID CAP ETF	ETF	922908629	6,762,031	33,178	SH		SOLE		0	0	33,178
VANGUARD INDEX FDS SMALL CP ETF	ETF	922908751	6,549,080	35,682	SH		SOLE		0	0	35,682
VANGUARD WHITEHALL FDS HIGH DIV YLD	ETF	921946406	5,344,620	49,391	SH		SOLE		0	0	49,391
INVESCO EXCHANGETRADED FD TFTSERAFI1000	ETF	46137V613	5,267,302	33,950	SH		SOLE		0	0	33,950
ISHARESTRCORE S&P TTL STK	ETF	464287150	4,804,880	56,661	SH		SOLE		0	0	56,661
BERKSHIRE HATHAWAY INC DEL CL B	Common Stock	084670702	4,747,349	15,369	SH		SOLE		0	0	15,369
ISHARESTRCOREMSCI EAFE	ETF	46432F842	4,683,537	75,982	SH		SOLE		0	0	75,982
ISHARES RUS 1000 VAL ETF	ETF	464287598	4,657,023	30,709	SH		SOLE		0	0	30,709
ISHARES INC MSCI GBL MIN VOL	ETF	464286525	4,324,550	45,512	SH		SOLE		0	0	45,512
ISHARES TR CORE TOTAL USD	ETF	46434V613	4,084,400	90,906	SH		SOLE		0	0	90,906
SCHWAB STRATEGIC TRUS LCAP VA ETF	ETF	808524409	4,047,950	61,314	SH		SOLE		0	0	61,314
VANGUARD MUN BD FDS TAX EXEMPT BD	ETF	922907746	3,824,363	77,275	SH		SOLE		0	0	77,275
JPMORGAN CHASE & CO COM	Common Stock	46625H100	3,735,244	27,854	SH		SOLE		0	0	27,854
SPDR INDEX SHS FD SGLB NAT RESRCE	ETF	78463X541	3,645,144	63,927	SH		SOLE		0	0	63,927
ISHARES RUS 1000 GRW ETF	ETF	464287614	3,642,992	17,004	SH		SOLE		0	0	17,004
INVESCO QQQ TRUST 1	ETF	46090E103	3,584,902	13,463	SH		SOLE		0	0	13,463
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD	ETF	92206C409	3,545,824	47,158	SH		SOLE		0	0	47,158
SEABRIDGE GOLD INC	Common Stock	811916105	3,409,180	271,000	SH		SOLE		0	0	271,000
ISHARES TR CORE MSCI TOTAL	ETF	46432F834	3,215,377	55,552	SH		SOLE		0	0	55,552
SCHWAB STRATEGIC TRUS LCAP GR ETF	ETF	808524300	3,199,609	57,588	SH		SOLE		0	0	57,588
SPDR NUVEEN BLMBRG SHT	ETF	78468R739	3,154,560	67,147	SH		SOLE		0	0	67,147
UNITEDHEALTH GROUP NC COM	Common Stock	91324P102	3,143,209	5,929	SH		SOLE		0	0	5,929
HOMEDEPOTINCCOM	Common Stock	437076102	3,137,182	9,932	SH		SOLE		0	0	9,932
FIRSTTREXCHTRADEDFDIIIPFDSECSINCETF	ETF	33739E108	3,063,395	182,345	SH		SOLE		0	0	182,345
TESLA INCCOM	Common Stock	88160R101	2,823,060	22,918	SH		SOLE		0	0	22,918
JOHNSON & JOHNSON COM	Common Stock	478160104	2,785,215	15,767	SH		SOLE		0	0	15,767
SEL SECTOR:ENERGY SPDR	ETF	81369Y506	2,602,269	29,750	SH		SOLE		0	0	29,750
VANGUARD TOT I S;ETF	ETF	921909768	2,584,017	49,962	SH		SOLE		0	0	49,962
SALESFORCE COM INCCOM	Common Stock	79466L302	2,552,888	19,254	SH		SOLE		0	0	19,254
SPDR S&P MIDCAP 400 ETF	ETF	78467Y107	2,531,116	5,716	SH		SOLE		0	0	5,716
PROCTER AND GAMBLE COCOM	Common Stock	742718109	2,453,385	16,188	SH		SOLE		0	0	16,188
NVIDIA CORPORATION COM	Common Stock	67066G104	2,283,449	15,625	SH		SOLE		0	0	15,625
ISHARES:S&P SC 600 VAL	ETF	464287879	2,267,861	24,837	SH		SOLE		0	0	24,837
ISHARES INC CORE MSCI EMKT	ETF	46434G103	2,237,875	47,920	SH		SOLE		0	0	47,920
ISHARES TR CORE US AGGBD ET	ETF	464287226	2,228,352	22,975	SH		SOLE		0	0	22,975
COCACOLACOCOMCALL	Common Stock	191216100	2,216,721	34,849	SH		SOLE		0	0	34,849
UNION PAC CORPCOM	Common Stock	907818108	2,068,342	9,989	SH		SOLE		0	0	9,989
EXXON MOBIL CORP	Common Stock	30231G102	2,060,668	18,682	SH		SOLE		0	0	18,682
HONEYWELLINTLINCCOM	Common Stock	438516106	2,053,830	9,584	SH		SOLE		0	0	9,584
ISHARESTRIBOXX HI YD ETF	ETF	464288513	2,044,687	27,770	SH		SOLE		0	0	27,770
ISHARES TR TIPS BD ETF	ETF	464287176	2,043,348	19,197	SH		SOLE		0	0	19,197
VISA INCCOM CL A	Common Stock	92826C839	2,029,891	9,770	SH		SOLE		0	0	9,770
VANGUARDBD INDEX FDSTOTAL BND MRKT	ETF	921937835	2,029,446	28,250	SH		SOLE		0	0	28,250
CISCOSYSINCCOM	Common Stock	17275R102	2,025,943	42,526	SH		SOLE		0	0	42,526
ISHARESTRCORE S&P MCP ETF	ETF	464287507	2,015,560	8,333	SH		SOLE		0	0	8,333
COSTCOWHSLCORPNEWCOM	Common Stock	22160K105	1,962,103	4,298	SH		SOLE		0	0	4,298
ALPHABETINCCAPSTKCLC	Common Stock	02079K107	1,954,456	22,027	SH		SOLE		0	0	22,027
TEXAS INSTRS INCCOM	Common Stock	882508104	1,930,090	11,682	SH		SOLE		0	0	11,682
MCDONALDS CORPCOM	Common Stock	580135101	1,925,434	7,306	SH		SOLE		0	0	7,306
ISHARESTRCORE S&P SCP ETF	ETF	464287804	1,880,679	19,872	SH		SOLE		0	0	19,872
AUTOMATIC DATA PROCESSING, INC.	Common Stock	053015103	1,848,854	7,740	SH		SOLE		0	0	7,740
ISHARESTRNATIONAL MUN ETF	ETF	464288414	1,822,195	17,269	SH		SOLE		0	0	17,269
VANGUARDBD INDEX FDSINTERMED TERM	ETF	921937819	1,759,288	23,672	SH		SOLE		0	0	23,672
SPDRSERTRPRTFLO S&P500 GW	ETF	78464A409	1,730,051	34,143	SH		SOLE		0	0	34,143
SPDR GOLD TRGOLD SHS	ETF	78463V107	1,699,962	10,021	SH		SOLE		0	0	10,021
BOEINGCOCOM	Common Stock	097023105	1,699,552	8,922	SH		SOLE		0	0	8,922
ISHARES TR CORE S&P US VLU	ETF	464287663	1,694,223	23,987	SH		SOLE		0	0	23,987
ISHARES TR CORE MSCI INTL	ETF	46435G326	1,694,123	30,263	SH		SOLE		0	0	30,263
VANGUARD SCOTTSDALE FDS INT-TERM CORP	ETF	92206C870	1,629,654	21,025	SH		SOLE		0	0	21,025
ACCENTUREPLCIRELANDSHSCLASSA	Common Stock	G1151C101	1,615,461	6,054	SH		SOLE		0	0	6,054
UNITED PARCEL SERVICE INCCL B	Common Stock	911312106	1,596,086	9,181	SH		SOLE		0	0	9,181
MEDTRONICPLCSHS	Common Stock	G5960L103	1,590,374	20,463	SH		SOLE		0	0	20,463
CHUBBLIMITEDCOM	Common Stock	H1467J104	1,514,546	6,866	SH		SOLE		0	0	6,866
LINDEPLCSHS	Common Stock	G5494J103	1,464,335	4,489	SH		SOLE		0	0	4,489
ABBVIE INC	Common Stock	00287Y109	1,451,148	8,979	SH		SOLE		0	0	8,979
SPDR PTF S&P 500 VALUE	ETF	78464A508	1,419,982	36,513	SH		SOLE		0	0	36,513
AMGENINCCOM	Common Stock	031162100	1,349,028	5,136	SH		SOLE		0	0	5,136
ISHARES RUSSELL 2000ETF	ETF	464287655	1,339,601	7,683	SH		SOLE		0	0	7,683
OREILLY AUTOMOTIVE INCCOM	Common Stock	67103H107	1,318,375	1,562	SH		SOLE		0	0	1,562
ISHARES RUS 2000VALETF	ETF	464287630	1,308,987	9,440	SH		SOLE		0	0	9,440
BLACKROCKINCCOM	Common Stock	09247X101	1,301,339	1,836	SH		SOLE		0	0	1,836
DANAHERCORPORATIONCOM	Common Stock	235851102	1,283,756	4,837	SH		SOLE		0	0	4,837
PHILLIPS66COM	Common Stock	718546104	1,282,680	12,324	SH		SOLE		0	0	12,324
TJX COS INC NEWCOM	Common Stock	872540109	1,266,191	15,907	SH		SOLE		0	0	15,907
MARSH & MCLENNAN COS INC COM	Common Stock	571748102	1,265,132	7,645	SH		SOLE		0	0	7,645
ORACLE CORPORATION	Common Stock	68389X105	1,262,789	15,449	SH		SOLE		0	0	15,449
THERMO FISHER SCIENTIFICINCCOM	Common Stock	883556102	1,261,304	2,290	SH		SOLE		0	0	2,290
NEXTERA ENERGY INCCOM	Common Stock	65339F101	1,260,351	15,076	SH		SOLE		0	0	15,076
AMERIPRISEFINLINCCOM	Common Stock	03076C106	1,219,122	3,915	SH		SOLE		0	0	3,915
BROADCOM INC.	Common Stock	11135F101	1,212,993	2,169	SH		SOLE		0	0	2,169
DIAGEOPLCSPONADRNEW	Common Stock	25243Q205	1,154,803	6,481	SH		SOLE		0	0	6,481
ANALOG DEVICES, INC.	Common Stock	032654105	1,133,371	6,910	SH		SOLE		0	0	6,910
ZOETIS INC CL A	Common Stock	98978V103	1,133,304	7,733	SH		SOLE		0	0	7,733
MORGAN STANLEY	Common Stock	617446448	1,120,127	13,175	SH		SOLE		0	0	13,175
EOG RESOURCES, INC.	Common Stock	26875P101	1,118,901	8,639	SH		SOLE		0	0	8,639
BANK OF AMERICA CORPORATION	Common Stock	060505104	1,096,595	33,110	SH		SOLE		0	0	33,110
AMERICAN ELECTRIC POWER COMPANY, INC.	Common Stock	025537101	1,091,515	11,496	SH		SOLE		0	0	11,496
ISHARES S&P 500 VAL ETF	ETF	464287408	1,091,461	7,524	SH		SOLE		0	0	7,524
STARBUCKS CORPORATION	Common Stock	855244109	1,073,004	10,817	SH		SOLE		0	0	10,817
ABBOTTLABSCOM	Common Stock	002824100	1,041,492	9,486	SH		SOLE		0	0	9,486
VERIZON COMMUNICATIONSINCCOM	Common Stock	92343V104	1,040,959	26,420	SH		SOLE		0	0	26,420
VANGUARD LG-CP I;ETF	ETF	922908637	1,018,547	5,847	SH		SOLE		0	0	5,847
AT&TINCCOM	Common Stock	00206R102	1,010,124	54,868	SH		SOLE		0	0	54,868
REPUBLICSVCSINCCOM	Common Stock	760759100	1,002,335	7,771	SH		SOLE		0	0	7,771
ADOBE SYSTEM SINCORPORATED COM	Common Stock	00724F101	994,446	2,955	SH		SOLE		0	0	2,955
ROCKWELL AUTOMATION INCCOM	Common Stock	773903109	990,803	3,847	SH		SOLE		0	0	3,847
ISHARES:BRD USD HY CP BD	ETF	46435U853	984,485	28,511	SH		SOLE		0	0	28,511
ISHARES RUS 2000 GRW ETF	ETF	464287648	978,360	4,561	SH		SOLE		0	0	4,561
DISNEYWALTCOCOM	Common Stock	254687106	957,700	11,023	SH		SOLE		0	0	11,023
WOLFSPEED INC	Common Stock	977852102	945,365	13,693	SH		SOLE		0	0	13,693
VANGUARD INDEX FDS SML CP GRW ETF	ETF	922908595	942,247	4,699	SH		SOLE		0	0	4,699
ELI LILLY AND COMPANY	Common Stock	532457108	937,965	2,564	SH		SOLE		0	0	2,564
DISCOVER FINANCIAL SERVICES	Common Stock	254709108	929,717	9,503	SH		SOLE		0	0	9,503
MASTERCARD INCORPORATEDCL A	Common Stock	57636Q104	913,737	2,628	SH		SOLE		0	0	2,628
SPDRSERTRS&P DIVID ETF	ETF	78464A763	911,219	7,283	SH		SOLE		0	0	7,283
ISHARES RUS 1000 ETF	ETF	464287622	899,973	4,275	SH		SOLE		0	0	4,275
AMERICANTOWERCORPNEWCOM	Common Stock	03027X100	894,727	4,223	SH		SOLE		0	0	4,223
PARKER-HANNIFIN CORPCOM	Common Stock	701094104	876,209	3,011	SH		SOLE		0	0	3,011
LOCKHEED MARTIN CORPCOM	Common Stock	539830109	873,250	1,795	SH		SOLE		0	0	1,795
DOLLARGENCORPNEWCOM	Common Stock	256677105	849,435	3,449	SH		SOLE		0	0	3,449
SPDR PORTFOLIO SH TSR	ETF	78468R101	833,789	28,861	SH		SOLE		0	0	28,861
GREEN PLAINS INC	Common Stock	393222104	832,925	27,309	SH		SOLE		0	0	27,309
LOWES COS INCCOM	Common Stock	548661107	820,301	4,117	SH		SOLE		0	0	4,117
VERISK ANALYTICS, INC.	Common Stock	92345Y106	814,437	4,616	SH		SOLE		0	0	4,616
CHURCH & DWIGHT CO., INC.	Common Stock	171340102	811,112	10,062	SH		SOLE		0	0	10,062
SHERWIN WILLIAMS COCOM	Common Stock	824348106	791,909	3,337	SH		SOLE		0	0	3,337
ADVANCED MICRO DEVICES, INC.	Common Stock	007903107	785,327	12,125	SH		SOLE		0	0	12,125
HIGH YIELD ETF	ETF	30151E814	773,180	29,795	SH		SOLE		0	0	29,795
CHEVRONCORPNEWCOM	Common Stock	166764100	771,880	4,300	SH		SOLE		0	0	4,300
BRISTOL-MYERS SQUIBB COMPANY	Common Stock	110122108	764,651	10,628	SH		SOLE		0	0	10,628
PROSHARES TR S&P 500 DV ARIST	ETF	74348A467	754,800	8,388	SH		SOLE		0	0	8,388
DUKE ENERGY CORPORATION	Common Stock	26441C204	752,173	7,303	SH		SOLE		0	0	7,303
LAUDER ESTEE COS INCCL A	Common Stock	518439104	741,437	2,988	SH		SOLE		0	0	2,988
INTELCORPCOM	Common Stock	458140100	734,405	27,787	SH		SOLE		0	0	27,787
BOSTON SCIENTIFIC CORPORATION	Common Stock	101137107	729,169	15,759	SH		SOLE		0	0	15,759
SEL SECTOR:H CARE SPDR	ETF	81369Y209	714,160	5,257	SH		SOLE		0	0	5,257
NIKE, INC.	Common Stock	654106103	707,184	6,044	SH		SOLE		0	0	6,044
ISHARESTRMSCI INTL MULTFT	ETF	46434V274	701,295	28,507	SH		SOLE		0	0	28,507
ISHARES TR MSCI USA MIN VOL	ETF	46429B697	700,034	9,709	SH		SOLE		0	0	9,709
SCHWAB STRATEGIC TRUS MID-CAP ETF	ETF	808524508	679,414	10,355	SH		SOLE		0	0	10,355
ISHARES TR 0-5YR INVT GR CP	ETF	46434V100	656,343	13,714	SH		SOLE		0	0	13,714
MERCK & CO INCCOM	Common Stock	58933Y105	651,740	5,874	SH		SOLE		0	0	5,874
FRST TR:WATER	ETF	33733B100	633,067	7,977	SH		SOLE		0	0	7,977
S&P GLOBAL INC.	Common Stock	78409V104	623,190	1,861	SH		SOLE		0	0	1,861
DELTA AIR LINES INC	Common Stock	247361702	619,940	18,866	SH		SOLE		0	0	18,866
SPDR SER TR S&P OILGAS EXP	ETF	78468R556	598,516	4,405	SH		SOLE		0	0	4,405
APPLIEDMATLSINCCOM	Common Stock	038222105	597,567	6,136	SH		SOLE		0	0	6,136
ISHARES RUS MD CP GR ETF	ETF	464287481	591,146	7,071	SH		SOLE		0	0	7,071
ALPS ETF GR OSHARES US QUALITY DIV	ETF	00162Q387	578,210	13,958	SH		SOLE		0	0	13,958
PHILIP MORRISINTLINCCOM	Common Stock	718172109	548,255	5,417	SH		SOLE		0	0	5,417
HEXCELCORPNEWCOM	Common Stock	428291108	546,898	9,293	SH		SOLE		0	0	9,293
PEPSICO INCCOM	Common Stock	713448108	545,351	3,019	SH		SOLE		0	0	3,019
PFIZER INCCOM	Common Stock	717081103	538,570	10,511	SH		SOLE		0	0	10,511
FIDELITYNATLINFORMATIONSVCOM	Common Stock	31620M106	538,388	7,935	SH		SOLE		0	0	7,935
INTERCONTINENTALEXCHANGEINCOM	Common Stock	45866F104	535,754	5,222	SH		SOLE		0	0	5,222
INTUITIVE SURGICAL INC COM	Common Stock	46120E602	534,680	2,015	SH		SOLE		0	0	2,015
ISHARES RUS MDCP VAL ETF	ETF	464287473	531,492	5,045	SH		SOLE		0	0	5,045
MONDELEZ INTERNATIONAL, INC.	Common Stock	609207105	519,591	7,796	SH		SOLE		0	0	7,796
CONOCOPHILLIPS	Common Stock	20825C104	518,154	4,391	SH		SOLE		0	0	4,391
ARAMARKCOM	Common Stock	03852U106	515,717	12,475	SH		SOLE		0	0	12,475
PALO ALTO NETWORKS INC COM	Common Stock	697435105	511,275	3,664	SH		SOLE		0	0	3,664
CATERPILLARINCCOM	Common Stock	149123101	507,433	2,118	SH		SOLE		0	0	2,118
VANECKVECTORSETFTRJP MORGAN MKTS	ETF	92189H300	496,640	20,497	SH		SOLE		0	0	20,497
ISHARES TR SHRT NAT MUN ETF	ETF	464288158	489,898	4,698	SH		SOLE		0	0	4,698
EVERSOURCE ENERGY	Common Stock	30040W108	477,117	5,691	SH		SOLE		0	0	5,691
UBER TECHNOLOGIES INC COM	Common Stock	90353T100	476,176	19,255	SH		SOLE		0	0	19,255
FIRSTTREXCHANGE-TRADEDFDDJINTERNTIDX	ETF	33733E302	474,004	3,849	SH		SOLE		0	0	3,849
DESKTOP METAL, INC.	Common Stock	25058X105	473,889	348,448	SH		SOLE		0	0	348,448
ALTRIA GROUP, INC.	Common Stock	02209S103	469,476	10,271	SH		SOLE		0	0	10,271
NOVARTIS AGSPONSORED ADR	Common Stock	66987V109	467,643	5,155	SH		SOLE		0	0	5,155
FIRST TR LRGE CP CORE ALPHA COM SHS	ETF	33734K109	462,218	5,773	SH		SOLE		0	0	5,773
WHIRLPOOL CORPCOM	Common Stock	963320106	459,913	3,251	SH		SOLE		0	0	3,251
SPDR S&P 600 SM CAP GRO	ETF	78464A201	456,268	6,316	SH		SOLE		0	0	6,316
INTERNATIONALBUSINESSMACHSCOM	Common Stock	459200101	445,219	3,160	SH		SOLE		0	0	3,160
SEL SECTOR:COMM SVC SPDR	ETF	81369Y852	432,198	9,006	SH		SOLE		0	0	9,006
GOLDMANSACHSGROUPINCCOM	Common Stock	38141G104	414,527	1,207	SH		SOLE		0	0	1,207
SCHLUMBERGER LTD COM STK	Common Stock	806857108	408,611	7,643	SH		SOLE		0	0	7,643
ISHARES TR S&P SML 600 GWT	ETF	464287887	400,940	3,710	SH		SOLE		0	0	3,710
ASML HOLDING NV NY REGISTRY SHS	Common Stock	N07059210	399,874	732	SH		SOLE		0	0	732
DOW INC	Common Stock	260557103	399,721	7,933	SH		SOLE		0	0	7,933
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF	ETF	922042718	399,085	3,882	SH		SOLE		0	0	3,882
NETFLIX INCCOM	Common Stock	64110L106	396,609	1,345	SH		SOLE		0	0	1,345
DBXETFTRXTRACKUSDHIGH	ETF	233051432	394,205	11,694	SH		SOLE		0	0	11,694
ISHARESTREAFE SML CP ETF	ETF	464288273	384,634	6,810	SH		SOLE		0	0	6,810
SELECTSECTOR SPDR TRSBI INT-INDS	ETF	81369Y704	378,894	3,858	SH		SOLE		0	0	3,858
BOOKING HOLDINGS INC COM	Common Stock	09857L108	370,812	184	SH		SOLE		0	0	184
VANGUARDCHARLOTTE FDSINTL BD IDX ETF	ETF	92203J407	360,343	7,597	SH		SOLE		0	0	7,597
CITIGROUP INC.	Common Stock	172967424	357,676	7,908	SH		SOLE		0	0	7,908
BANKNEWYORKMELLONCORPCOM	Common Stock	064058100	356,784	7,838	SH		SOLE		0	0	7,838
WISDOMTREE TRINTL SMCAP DIV	ETF	97717W760	353,776	6,104	SH		SOLE		0	0	6,104
SCHWAB STRATEGIC TRUS LRG CAP ETF	ETF	808524201	351,041	7,775	SH		SOLE		0	0	7,775
NOVO-NORDISK A S	Common Stock	670100205	345,334	2,552	SH		SOLE		0	0	2,552
WALMART INCCOM	Common Stock	931142103	344,610	2,430	SH		SOLE		0	0	2,430
CVSHEALTHCORPCOM	Common Stock	126650100	327,148	3,511	SH		SOLE		0	0	3,511
WELLS FARGO & COMPANY	Common Stock	949746101	322,091	7,801	SH		SOLE		0	0	7,801
PAYPAL HLDGS INC	Common Stock	70450Y103	321,689	4,517	SH		SOLE		0	0	4,517
VANGUARDBD INDEX FDSSHORT TRM BOND	ETF	921937827	314,101	4,172	SH		SOLE		0	0	4,172
EVERI HOLDINGS INC.	Common Stock	30034T103	309,687	21,581	SH		SOLE		0	0	21,581
TARGET CORP COM	Common Stock	87612E106	302,967	2,033	SH		SOLE		0	0	2,033
FRST TR II:CLOUDCOMP	ETF	33734X192	302,395	5,249	SH		SOLE		0	0	5,249
ISHARES 7-10 YR TRSY BD	ETF	464287440	301,729	3,150	SH		SOLE		0	0	3,150
TARGA RESOURCES CORP.	Common Stock	87612G101	294,294	4,004	SH		SOLE		0	0	4,004
BLACKSTONE INC	Common Stock	09260D107	293,407	3,955	SH		SOLE		0	0	3,955
ISHARES TR GRWT ALLOCAT ETF	ETF	464289867	291,051	6,172	SH		SOLE		0	0	6,172
QUALCOMM INCORPORATED	Common Stock	747525103	274,594	2,498	SH		SOLE		0	0	2,498
PENN NATIONAL GAMING, INC.	Common Stock	707569109	273,210	9,199	SH		SOLE		0	0	9,199
SPDR S&P 600 SM CAP VAL	ETF	78464A300	272,759	3,675	SH		SOLE		0	0	3,675
ISHARES TR MODERT ALLOC ETF	ETF	464289875	270,762	7,123	SH		SOLE		0	0	7,123
SCHWAB CHARLES CORP	Common Stock	808513105	270,369	3,247	SH		SOLE		0	0	3,247
FREEPORT-MCMORAN INC CL B	Common Stock	35671D857	251,822	6,627	SH		SOLE		0	0	6,627
AIR PRODS & CHEMS INC COM	Common Stock	009158106	249,655	810	SH		SOLE		0	0	810
JETBLUE AIRWAYS CORPORATION	Common Stock	477143101	246,972	38,113	SH		SOLE		0	0	38,113
SCHWAB STRATEGIC TRUS SML CAP ETF	ETF	808524607	245,570	6,062	SH		SOLE		0	0	6,062
SEL SECTOR SPDR TECHNOLOGY	ETF	81369Y803	237,437	1,908	SH		SOLE		0	0	1,908
MOODY'S CORPORATION	Common Stock	615369105	237,425	852	SH		SOLE		0	0	852
FORDMTRCODELCOM	Common Stock	345370860	237,037	20,382	SH		SOLE		0	0	20,382
ISHARES:MSCI EM MKTS	ETF	464287234	235,908	6,224	SH		SOLE		0	0	6,224
CIGNACORPNEWCOM	Common Stock	125523100	235,646	711	SH		SOLE		0	0	711
VANGUARD WORLD FDS ENERGY ETF	ETF	92204A306	232,505	1,917	SH		SOLE		0	0	1,917
SCHWAB STRATEGIC TR US TIPS ETF	ETF	808524870	229,496	4,431	SH		SOLE		0	0	4,431
STRYKER CORPORATION COM	Common Stock	863667101	226,097	925	SH		SOLE		0	0	925
PNC FINL SVCS GROUP INC	Common Stock	693475105	220,897	1,399	SH		SOLE		0	0	1,399
CLOROX CO DEL COM	Common Stock	189054109	218,934	1,560	SH		SOLE		0	0	1,560
ISHARES TR MSCI EAFE ETF	ETF	464287465	215,025	3,276	SH		SOLE		0	0	3,276
ASTRAZENECA PLC SPON ADR	Common Stock	046353108	214,151	3,159	SH		SOLE		0	0	3,159
AMERICAN WTR WKS CO INC	Common Stock	030420103	213,262	1,399	SH		SOLE		0	0	1,399
ALIBABA GROUP HOLDING LIMITED	Common Stock	01609W102	211,963	2,406	SH		SOLE		0	0	2,406
GENERAL MOTORS COMPANY	Common Stock	37045V100	210,509	6,258	SH		SOLE		0	0	6,258
WASTE MGMT INC	Common Stock	94106L109	209,803	1,337	SH		SOLE		0	0	1,337
ISHARES TR S&P 500 GRWT ETF	ETF	464287309	207,719	3,551	SH		SOLE		0	0	3,551
TAIWAN SEMI MFG LTD SPON ADS	ETF	874039100	203,440	2,731	SH		SOLE		0	0	2,731
PROLOGIS INC COM	Common Stock	74340W103	202,248	1,794	SH		SOLE		0	0	1,794
DEERE & CO COM	Common Stock	244199105	202,015	471	SH		SOLE		0	0	471
SELECTSECTOR SPDR TRFINANCIAL	ETF	81369Y605	201,883	5,903	SH		SOLE		0	0	5,903
LYFT INC CL A	Common Stock	55087P104	194,117	17,615	SH		SOLE		0	0	17,615
ENERGY TRANSFER UNT	Common Stock	29273V100	120,884	10,184	SH		SOLE		0	0	10,184
WARNER BROS DISCOVERY INC COM SER A	Common Stock	934423104	111,807	11,794	SH		SOLE		0	0	11,794
ITAU UNIBANCO HLDG S A PFD	ETF	465562106	52,641	11,176	SH		SOLE		0	0	11,176
BANCO SANTANDER	Common Stock	05964H105	31,185	10,571	SH		SOLE		0	0	10,571
SUNWORKS INC	Common Stock	86803X204	20,540	13,000	SH		SOLE		0	0	13,000
AQUABOUNTY TECHNOLOGIES INC	Common Stock	03842K200	11,730	15,353	SH		SOLE		0	0	15,353