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

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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	347,816,007	1,704,145	SH		SOLE		0	0	1,704,145
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US	ETF	922042775	159,642,946	2,985,655	SH		SOLE		0	0	2,985,655
VANGUARD INDEX FDS GROWTH ETF	ETF	922908736	51,415,310	206,123	SH		SOLE		0	0	206,123
CHIPOTLE MEXICAN GRILL INC COM	Common Stock	169656105	40,201,334	23,533	SH		SOLE		0	0	23,533
VANGUARD INDEX FDS VALUE ETF	ETF	922908744	38,169,090	276,367	SH		SOLE		0	0	276,367
VANGUARD INDEX FDS SM CP VAL ETF	ETF	922908611	30,850,685	194,323	SH		SOLE		0	0	194,323
VANGUARD INDEX FDS MCAPVLIDXVIP	ETF	922908512	27,275,088	203,439	SH		SOLE		0	0	203,439
SPDR S&P 500 ETF TRTR UNIT	ETF	78462F103	23,548,935	57,311	SH		SOLE		0	0	57,311
APPLE INC COM	Common Stock	037833100	22,293,554	135,194	SH		SOLE		0	0	135,194
VANGUARD INDEX FDSS&P 500 ETF SHS	ETF	922908363	17,424,306	46,333	SH		SOLE		0	0	46,333
ISHARES CORE S&P 500 ETF	ETF	464287200	16,736,843	40,714	SH		SOLE		0	0	40,714
AMAZON COM INC COM	Common Stock	023135106	15,418,055	149,270	SH		SOLE		0	0	149,270
YUM BRANDS INCCOM	Common Stock	988498101	13,920,205	105,392	SH		SOLE		0	0	105,392
MICROSOFT CORPCOM	Common Stock	594918104	12,553,937	43,545	SH		SOLE		0	0	43,545
VANGUARD TAX-MANAGED INTLFD FTSE DEV MKT ETF	ETF	921943858	11,441,057	253,289	SH		SOLE		0	0	253,289
SCHWAB STRATEGIC T RSCHWB FDT INTLG	ETF	808524755	10,743,027	343,557	SH		SOLE		0	0	343,557
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF	ETF	922042858	7,063,290	174,834	SH		SOLE		0	0	174,834
VANGUARD INDEX FDS MID CAP ETF	ETF	922908629	6,869,332	32,568	SH		SOLE		0	0	32,568
VANGUARD INDEX FDS SMALL CP ETF	ETF	922908751	6,636,572	35,010	SH		SOLE		0	0	35,010
TESLA INCCOM	Common Stock	88160R101	5,734,219	27,640	SH		SOLE		0	0	27,640
ISHARESTRCORE S&P TTL STK	ETF	464287150	5,331,339	58,877	SH		SOLE		0	0	58,877
BERKSHIRE HATHAWAY INC DEL CL B	Common Stock	084670702	5,330,969	17,265	SH		SOLE		0	0	17,265
INVESCO EXCHANGETRADED FD TFTSERAFI1000	ETF	46137V613	5,228,967	33,352	SH		SOLE		0	0	33,352
VANGUARD WHITEHALL FDS HIGH DIV YLD	ETF	921946406	5,194,307	49,235	SH		SOLE		0	0	49,235
ISHARESTRCOREMSCI EAFE	ETF	46432F842	5,191,712	77,662	SH		SOLE		0	0	77,662
ISHARES RUS 1000 VAL ETF	ETF	464287598	4,637,982	30,461	SH		SOLE		0	0	30,461
NVIDIA CORPORATION COM	Common Stock	67066G104	4,482,554	16,138	SH		SOLE		0	0	16,138
ISHARES TR CORE TOTAL USD	ETF	46434V613	4,188,258	90,753	SH		SOLE		0	0	90,753
ISHARES RUS 1000 GRW ETF	ETF	464287614	4,183,050	17,120	SH		SOLE		0	0	17,120
ISHARES INC MSCI GBL MIN VOL	ETF	464286525	4,167,119	43,071	SH		SOLE		0	0	43,071
SCHWAB STRATEGIC TR US LCAP VA ETF	ETF	808524409	4,063,730	61,966	SH		SOLE		0	0	61,966
INVESCO QQQ TRUST 1	ETF	46090E103	3,825,771	11,904	SH		SOLE		0	0	11,904
SCHWAB STRATEGIC TR US LCAP GR ETF	ETF	808524300	3,706,827	56,879	SH		SOLE		0	0	56,879
JPMORGAN CHASE & CO COM	Common Stock	46625H100	3,678,854	28,232	SH		SOLE		0	0	28,232
SPDR INDEX SHS FD SGLB NAT RESRCE	ETF	78463X541	3,653,292	63,992	SH		SOLE		0	0	63,992
ISHARES TR CORE MSCI TOTAL	ETF	46432F834	3,615,379	58,360	SH		SOLE		0	0	58,360
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD	ETF	92206C409	3,601,879	47,250	SH		SOLE		0	0	47,250
SEABRIDGE GOLD INC	Common Stock	811916105	3,509,450	271,000	SH		SOLE		0	0	271,000
SALESFORCE COM INCCOM	Common Stock	79466L302	3,104,549	15,540	SH		SOLE		0	0	15,540
FIRSTTREXCHTRADEDFDIIIPFDSECSINCETF	ETF	33739E108	3,078,719	192,902	SH		SOLE		0	0	192,902
UNITEDHEALTH GROUP NC COM	Common Stock	91324P102	2,898,318	6,133	SH		SOLE		0	0	6,133
HOMEDEPOTINCCOM	Common Stock	437076102	2,865,241	9,709	SH		SOLE		0	0	9,709
VANGUARD TOT I S;ETF	ETF	921909768	2,765,355	50,088	SH		SOLE		0	0	50,088
SPDR S&P MIDCAP 400 ETF	ETF	78467Y107	2,721,856	5,923	SH		SOLE		0	0	5,923
PROCTER AND GAMBLE COCOM	Common Stock	742718109	2,593,511	17,442	SH		SOLE		0	0	17,442
ISHARES TR CORE US AGGBD ET	ETF	464287226	2,416,243	24,250	SH		SOLE		0	0	24,250
ALPHABETINCCAPSTKCLC	Common Stock	02079K107	2,413,029	23,202	SH		SOLE		0	0	23,202
JOHNSON & JOHNSON COM	Common Stock	478160104	2,397,567	15,468	SH		SOLE		0	0	15,468
ISHARES:S&P SC 600 VAL	ETF	464287879	2,389,696	25,534	SH		SOLE		0	0	25,534
SEL SECTOR:ENERGY SPDR	ETF	81369Y506	2,381,906	28,757	SH		SOLE		0	0	28,757
VANGUARDBD INDEX FDSTOTAL BND MRKT	ETF	921937835	2,338,473	31,674	SH		SOLE		0	0	31,674
ISHARES INC CORE MSCI EMKT	ETF	46434G103	2,316,512	47,479	SH		SOLE		0	0	47,479
COCACOLACOCOMCALL	Common Stock	191216100	2,306,232	36,913	SH		SOLE		0	0	36,913
EXXON MOBIL CORP	Common Stock	30231G102	2,236,560	20,395	SH		SOLE		0	0	20,395
ISHARESTRCORE S&P MCP ETF	ETF	464287507	2,235,303	8,935	SH		SOLE		0	0	8,935
CISCO SYS INC COM	Common Stock	17275R102	2,217,475	42,419	SH		SOLE		0	0	42,419
VISA INCCOM CL A	Common Stock	92826C839	2,181,208	9,674	SH		SOLE		0	0	9,674
COSTCO WHSL CORP NEW COM	Common Stock	22160K105	2,177,676	4,383	SH		SOLE		0	0	4,383
TEXAS INSTRS INCCOM	Common Stock	882508104	2,159,680	11,611	SH		SOLE		0	0	11,611
SPDRSERTRPRTFLO S&P500 GW	ETF	78464A409	2,149,116	38,821	SH		SOLE		0	0	38,821
VANGUARD MUN BD FDS TAX EXEMPT BD	ETF	922907746	2,146,594	42,373	SH		SOLE		0	0	42,373
ISHARES TR TIPS BD ETF	ETF	464287176	2,086,078	18,921	SH		SOLE		0	0	18,921
ISHARESTRCORE S&P SCP ETF	ETF	464287804	2,053,055	21,231	SH		SOLE		0	0	21,231
MCDONALDS CORPCOM	Common Stock	580135101	2,044,658	7,313	SH		SOLE		0	0	7,313
UNION PAC CORPCOM	Common Stock	907818108	1,989,847	9,887	SH		SOLE		0	0	9,887
HONEYWELLINTLINCCOM	Common Stock	438516106	1,900,478	9,944	SH		SOLE		0	0	9,944
ISHARESTRIBOXX HI YD ETF	ETF	464288513	1,885,058	24,951	SH		SOLE		0	0	24,951
SPDR GOLD TRGOLD SHS	ETF	78463V107	1,882,402	10,274	SH		SOLE		0	0	10,274
ISHARESTRNATIONAL MUN ETF	ETF	464288414	1,868,408	17,342	SH		SOLE		0	0	17,342
ISHARES TR CORE S&P US VLU	ETF	464287663	1,764,446	23,915	SH		SOLE		0	0	23,915
ISHARES TR CORE MSCI INTL	ETF	46435G326	1,755,807	29,036	SH		SOLE		0	0	29,036
ACCENTURE PLC IRELAND SHS CLASS A	Common Stock	G1151C101	1,735,714	6,073	SH		SOLE		0	0	6,073
UNITED PARCEL SERVICE INCCL B	Common Stock	911312106	1,728,004	8,908	SH		SOLE		0	0	8,908
SPDR PTF S&P 500 VALUE	ETF	78464A508	1,704,913	41,869	SH		SOLE		0	0	41,869
AUTOMATIC DATA PROCESSING, INC.	Common Stock	053015103	1,702,974	7,607	SH		SOLE		0	0	7,607
MEDTRONICPLCSHS	Common Stock	G5960L103	1,645,217	20,237	SH		SOLE		0	0	20,237
VANGUARD BD INDEX FDS INTERMED TERM	ETF	921937819	1,619,770	21,107	SH		SOLE		0	0	21,107
LINDEPLCSHS	Common Stock	G54950103	1,602,281	4,508	SH		SOLE		0	0	4,508
VANGUARD SCOTTSDALE FDS INT-TERM CORP	ETF	92206C870	1,572,931	19,608	SH		SOLE		0	0	19,608
ORACLE CORPORATION	Common Stock	68389X105	1,537,549	16,547	SH		SOLE		0	0	16,547
SPDR NUVEEN BLMBRG SHT	ETF	78468R739	1,514,061	31,841	SH		SOLE		0	0	31,841
ABBVIE INC	Common Stock	00287Y109	1,505,177	9,445	SH		SOLE		0	0	9,445
BOEING CO COM	Common Stock	097023105	1,463,813	6,891	SH		SOLE		0	0	6,891
BROADCOM INC.	Common Stock	11135F101	1,451,284	2,262	SH		SOLE		0	0	2,262
BLACKROCK INC COM	Common Stock	09247X101	1,401,420	2,094	SH		SOLE		0	0	2,094
ISHARES RUSSELL 2000ETF	ETF	464287655	1,358,668	7,616	SH		SOLE		0	0	7,616
THERMO FISHER SCIENTIFICINCCOM	Common Stock	883556102	1,358,026	2,355	SH		SOLE		0	0	2,355
ANALOG DEVICES, INC.	Common Stock	032654105	1,336,389	6,776	SH		SOLE		0	0	6,776
ZOETIS INC CL A	Common Stock	98978V103	1,333,451	8,012	SH		SOLE		0	0	8,012
OREILLY AUTOMOTIVE INCCOM	Common Stock	67103H107	1,318,466	1,553	SH		SOLE		0	0	1,553
CHUBBLIMITEDCOM	Common Stock	H1467J104	1,302,352	6,678	SH		SOLE		0	0	6,678
AMGEN INC COM	Common Stock	031162100	1,301,189	5,382	SH		SOLE		0	0	5,382
ISHARES RUS 2000VALETF	ETF	464287630	1,281,919	9,356	SH		SOLE		0	0	9,356
MARSH & MCLENNAN COS INC COM	Common Stock	571748102	1,276,849	7,666	SH		SOLE		0	0	7,666
PHILLIPS66COM	Common Stock	718546104	1,275,338	12,580	SH		SOLE		0	0	12,580
TJX COS INC NEWCOM	Common Stock	872540109	1,242,159	15,852	SH		SOLE		0	0	15,852
ADOBE SYSTEM SINCORPORATED COM	Common Stock	00724F101	1,222,535	3,172	SH		SOLE		0	0	3,172
AMERIPRISE FINL INC COM	Common Stock	03076C106	1,221,826	3,986	SH		SOLE		0	0	3,986
ADVANCED MICRO DEVICES, INC.	Common Stock	007903107	1,220,111	12,449	SH		SOLE		0	0	12,449
DANAHERCORPORATIONCOM	Common Stock	235851102	1,215,378	4,817	SH		SOLE		0	0	4,817
ELI LILLY AND COMPANY	Common Stock	532457108	1,198,454	3,490	SH		SOLE		0	0	3,490
MORGAN STANLEY	Common Stock	617446448	1,196,426	13,627	SH		SOLE		0	0	13,627
ISHARES S&P 500 VAL ETF	ETF	464287408	1,182,618	7,793	SH		SOLE		0	0	7,793
DIAGEOPLCSPONADRNEW	Common Stock	25243Q205	1,179,648	6,456	SH		SOLE		0	0	6,456
ROCKWELL AUTOMATION INCCOM	Common Stock	773903109	1,170,752	3,990	SH		SOLE		0	0	3,990
NEXTERA ENERGY INCCOM	Common Stock	65339F101	1,148,265	14,897	SH		SOLE		0	0	14,897
STARBUCKS CORP COM	Common Stock	855244109	1,137,286	10,922	SH		SOLE		0	0	10,922
VANGUARD LG-CP I;ETF	ETF	922908637	1,096,762	5,871	SH		SOLE		0	0	5,871
VANGUARD INDEX FDS SML CP GRW ETF	ETF	922908595	1,075,883	4,972	SH		SOLE		0	0	4,972
AMERICAN ELECTRIC POWER COMPANY, INC.	Common Stock	025537101	1,072,120	11,783	SH		SOLE		0	0	11,783
DISNEYWALTCOCOM	Common Stock	254687106	1,068,512	10,671	SH		SOLE		0	0	10,671
EOG RESOURCES, INC.	Common Stock	26875P101	1,063,541	9,278	SH		SOLE		0	0	9,278
AT&TINCCOM	Common Stock	00206R102	1,061,392	55,137	SH		SOLE		0	0	55,137
ISHARES TR 1 3 YR TREAS BD	ETF	464287457	1,050,991	12,792	SH		SOLE		0	0	12,792
PARKER-HANNIFIN CORPCOM	Common Stock	701094104	1,050,648	3,126	SH		SOLE		0	0	3,126
REPUBLICSVCSINCCOM	Common Stock	760759100	1,048,912	7,729	SH		SOLE		0	0	7,729
ISHARES RUS 2000 GRW ETF	ETF	464287648	1,047,055	4,616	SH		SOLE		0	0	4,616
VERIZON COMMUNICATIONSINCCOM	Common Stock	92343V104	1,017,058	26,152	SH		SOLE		0	0	26,152
MASTERCARD INCORPORATEDCL A	Common Stock	57636Q104	1,008,501	2,775	SH		SOLE		0	0	2,775
WOLFSPEED INC	Common Stock	977852102	989,383	15,233	SH		SOLE		0	0	15,233
ISHARES RUS 1000 ETF	ETF	464287622	962,858	4,275	SH		SOLE		0	0	4,275
DISCOVER FINANCIAL SERVICES	Common Stock	254709108	957,612	9,689	SH		SOLE		0	0	9,689
ISHARES:BRD USD HY CP BD	ETF	46435U853	912,355	25,664	SH		SOLE		0	0	25,664
SPDRSERTRS&P DIVID ETF	ETF	78464A763	910,041	7,356	SH		SOLE		0	0	7,356
INTELCORPCOM	Common Stock	458140100	907,803	27,787	SH		SOLE		0	0	27,787
ABBOTT LABS COM	Common Stock	002824100	899,096	8,879	SH		SOLE		0	0	8,879
VERISK ANALYTICS, INC.	Common Stock	92345Y106	898,228	4,682	SH		SOLE		0	0	4,682
CHURCH & DWIGHT CO., INC.	Common Stock	171340102	886,337	10,025	SH		SOLE		0	0	10,025
ISHARES TR MSCI USA MIN VOL	ETF	46429B697	848,737	11,668	SH		SOLE		0	0	11,668
BANK OF AMERICA CORPORATION	Common Stock	060505104	843,106	29,479	SH		SOLE		0	0	29,479
LOWES COS INCCOM	Common Stock	548661107	839,754	4,199	SH		SOLE		0	0	4,199
DESKTOP METAL, INC.	Common Stock	25058X105	832,388	361,908	SH		SOLE		0	0	361,908
HIGH YIELD ETF	ETF	30151E814	821,243	31,149	SH		SOLE		0	0	31,149
NIKE, INC.	Common Stock	654106103	816,917	6,644	SH		SOLE		0	0	6,644
AMERICAN TOWER CORP NEW COM	Common Stock	03027X100	805,226	3,941	SH		SOLE		0	0	3,941
BOSTON SCIENTIFIC CORPORATION	Common Stock	101137107	794,276	15,876	SH		SOLE		0	0	15,876
LAUDER ESTEE COS INCCL A	Common Stock	518439104	781,327	3,170	SH		SOLE		0	0	3,170
PROSHARES TR S&P 500 DV ARIST	ETF	74348A467	765,235	8,387	SH		SOLE		0	0	8,387
DOLLARGENCORPNEWCOM	Common Stock	256677105	758,613	3,605	SH		SOLE		0	0	3,605
SHERWIN WILLIAMS COCOM	Common Stock	824348106	756,878	3,367	SH		SOLE		0	0	3,367
GREEN PLAINS INC	Common Stock	393222104	741,281	23,920	SH		SOLE		0	0	23,920
BRISTOL-MYERS SQUIBB COMPANY	Common Stock	110122108	738,248	10,651	SH		SOLE		0	0	10,651
UBER TECHNOLOGIES INC COM	Common Stock	90353T100	736,533	23,234	SH		SOLE		0	0	23,234
SEL SECTOR:H CARE SPDR	ETF	81369Y209	716,674	5,536	SH		SOLE		0	0	5,536
LOCKHEED MARTIN CORPCOM	Common Stock	539830109	715,713	1,514	SH		SOLE		0	0	1,514
APPLIEDMATLSINCCOM	Common Stock	038222105	714,819	5,820	SH		SOLE		0	0	5,820
SCHWAB STRATEGIC TR US MID-CAP ETF	ETF	808524508	704,386	10,382	SH		SOLE		0	0	10,382
DUKE ENERGY CORPORATION	Common Stock	26441C204	701,473	7,271	SH		SOLE		0	0	7,271
ISHARESTRMSCI INTL MULTFT	ETF	46434V274	700,184	26,432	SH		SOLE		0	0	26,432
CHEVRON CORP NEW COM	Common Stock	166764100	694,818	4,259	SH		SOLE		0	0	4,259
ISHARES TR 0-5YR INVT GR CP	ETF	46434V100	665,177	13,721	SH		SOLE		0	0	13,721
PALO ALTO NETWORKS INC COM	Common Stock	697435105	663,386	3,321	SH		SOLE		0	0	3,321
DELTA AIR LINES INC	Common Stock	247361702	654,859	18,753	SH		SOLE		0	0	18,753
ISHARES RUS MD CP GR ETF	ETF	464287481	648,561	7,123	SH		SOLE		0	0	7,123
S&P GLOBAL INC.	Common Stock	78409V104	645,576	1,872	SH		SOLE		0	0	1,872
HEXCELCORPNEWCOM	Common Stock	428291108	628,787	9,213	SH		SOLE		0	0	9,213
FRST TR:WATER	ETF	33733B100	615,851	7,364	SH		SOLE		0	0	7,364
MERCK & CO INCCOM	Common Stock	58933Y105	602,695	5,627	SH		SOLE		0	0	5,627
ALPS ETF GR OSHARES US QUALITY DIV	ETF	00162Q387	588,328	13,958	SH		SOLE		0	0	13,958
FIRSTTREXCHANGE-TRADEDFDDJINTERNTIDX	ETF	33733E302	581,938	3,936	SH		SOLE		0	0	3,936
INTUITIVE SURGICAL INC COM	Common Stock	46120E602	575,073	2,251	SH		SOLE		0	0	2,251
SPDR SER TR S&P OILGAS EXP	ETF	78468R556	565,762	4,434	SH		SOLE		0	0	4,434
PHILIP MORRISINTLINCCOM	Common Stock	718172109	561,457	5,707	SH		SOLE		0	0	5,707
ISHARES RUS MDCP VAL ETF	ETF	464287473	552,203	5,200	SH		SOLE		0	0	5,200
NETFLIX INCCOM	Common Stock	64110L106	533,070	1,543	SH		SOLE		0	0	1,543
SELECT SECTOR SPDR TR RL EST SEL SEC	ETF	81369Y860	531,955	14,231	SH		SOLE		0	0	14,231
MONDELEZ INTERNATIONAL, INC.	Common Stock	609207105	529,739	7,515	SH		SOLE		0	0	7,515
VANECKVECTORSETFTRJP MORGAN MKTS	ETF	92189H300	526,728	20,861	SH		SOLE		0	0	20,861
PEPSICO INCCOM	Common Stock	713448108	526,152	2,886	SH		SOLE		0	0	2,886
BOOKING HOLDINGS INC COM	Common Stock	09857L108	509,645	192	SH		SOLE		0	0	192
ASTRAZENECA PLC SPON ADR	Common Stock	046353108	499,396	7,195	SH		SOLE		0	0	7,195
ALTRIA GROUP, INC.	Common Stock	02209S103	482,558	10,608	SH		SOLE		0	0	10,608
ISHARES TR SHRT NAT MUN ETF	ETF	464288158	480,797	4,593	SH		SOLE		0	0	4,593
INTERCONTINENTALEXCHANGEINCOM	Common Stock	45866F104	475,676	4,561	SH		SOLE		0	0	4,561
SPDR S&P 600 SM CAP GRO	ETF	78464A201	465,805	6,316	SH		SOLE		0	0	6,316
FIRST TR LRGE CP CORE ALPHA COM SHS	ETF	33734K109	458,126	5,691	SH		SOLE		0	0	5,691
CATERPILLARINCCOM	Common Stock	149123101	456,390	1,994	SH		SOLE		0	0	1,994
CONOCOPHILLIPS	Common Stock	20825C104	455,204	4,561	SH		SOLE		0	0	4,561
SPDR PORTFOLIO SH TSR	ETF	78468R101	450,856	15,424	SH		SOLE		0	0	15,424
ARAMARKCOM	Common Stock	03852U106	446,605	12,475	SH		SOLE		0	0	12,475
DBXETFTRXTRACKUSDHIGH	ETF	233051432	445,565	12,822	SH		SOLE		0	0	12,822
SELECTSECTOR SPDR TRSBI INT-INDS	ETF	81369Y704	440,527	4,354	SH		SOLE		0	0	4,354
FIDELITYNATLINFORMATIONSVCOM	Common Stock	31620M106	430,968	7,932	SH		SOLE		0	0	7,932
VANGUARDCHARLOTTE FDSINTL BD IDX ETF	ETF	92203J407	429,448	8,779	SH		SOLE		0	0	8,779
WHIRLPOOL CORPCOM	Common Stock	963320106	428,143	3,243	SH		SOLE		0	0	3,243
PFIZER INCCOM	Common Stock	717081103	427,546	10,479	SH		SOLE		0	0	10,479
VANGUARD INTL EQUITY INDEX F FTSE SMCAP ETF	ETF	922042718	424,044	3,882	SH		SOLE		0	0	3,882
SCHLUMBERGER LTD COM STK	Common Stock	806857108	422,749	8,572	SH		SOLE		0	0	8,572
ISHARESTREAFE SML CP ETF	ETF	464288273	417,766	7,020	SH		SOLE		0	0	7,020
BLACKSTONE INC	Common Stock	09260D107	417,019	4,747	SH		SOLE		0	0	4,747
GOLDMANSACHSGROUPINCCOM	Common Stock	38141G104	408,565	1,249	SH		SOLE		0	0	1,249
ISHARES TR S&P SML 600 GWT	ETF	464287887	407,877	3,710	SH		SOLE		0	0	3,710
ASML HOLDING NV NY REGISTRY SHS	Common Stock	N07059210	394,692	580	SH		SOLE		0	0	580
QUALCOMM INCORPORATED	Common Stock	747525103	387,310	3,036	SH		SOLE		0	0	3,036
SCHWAB STRATEGIC TRUS LRG CAP ETF	ETF	808524201	386,573	7,992	SH		SOLE		0	0	7,992
INTERNATIONALBUSINESSMACHSCOM	Common Stock	459200101	385,479	2,941	SH		SOLE		0	0	2,941
WISDOMTREE TRINTL SMCAP DIV	ETF	97717W760	374,862	6,151	SH		SOLE		0	0	6,151
WALMART INCCOM	Common Stock	931142103	371,292	2,509	SH		SOLE		0	0	2,509
EVERI HOLDINGS INC.	Common Stock	30034T103	370,114	21,581	SH		SOLE		0	0	21,581
FRST TR II:CLOUDCOMP	ETF	33734X192	368,954	5,515	SH		SOLE		0	0	5,515
PAYPAL HLDGS INC	Common Stock	70450Y103	351,808	4,633	SH		SOLE		0	0	4,633
TARGET CORP COM	Common Stock	87612E106	342,553	2,068	SH		SOLE		0	0	2,068
BANK NEW YORK MELLON CORP COM	Common Stock	064058100	340,675	7,497	SH		SOLE		0	0	7,497
NOVARTIS AGSPONSORED ADR	Common Stock	66987V109	336,313	3,656	SH		SOLE		0	0	3,656
FREEPORT-MCMORAN INC CL B	Common Stock	35671D857	332,795	8,135	SH		SOLE		0	0	8,135
PROLOGIS INC COM	Common Stock	74340W103	309,751	2,483	SH		SOLE		0	0	2,483
GENERAL DYNAMICS CORP COM	Common Stock	369550108	308,352	1,351	SH		SOLE		0	0	1,351
DOW INC	Common Stock	260557103	304,077	5,547	SH		SOLE		0	0	5,547
WELLS FARGO & COMPANY	Common Stock	949746101	296,271	7,926	SH		SOLE		0	0	7,926
CITIGROUP INC.	Common Stock	172967424	295,282	6,297	SH		SOLE		0	0	6,297
TARGA RESOURCES CORP.	Common Stock	87612G101	292,238	4,006	SH		SOLE		0	0	4,006
ISHARES TR PFD AND INCM SEC	ETF	464288687	289,191	9,263	SH		SOLE		0	0	9,263
VANGUARD BD INDEX FDS SHORT TRM BOND	ETF	921937827	286,436	3,745	SH		SOLE		0	0	3,745
ISHARES 7-10 YR TRSY BD	ETF	464287440	285,989	2,885	SH		SOLE		0	0	2,885
SERVICENOW INC COM	Common Stock	81762P102	281,238	605	SH		SOLE		0	0	605
SPDR S&P 600 SM CAP VAL	ETF	78464A300	279,962	3,675	SH		SOLE		0	0	3,675
SEL SECTOR SPDR TECHNOLOGY	ETF	81369Y803	278,012	1,841	SH		SOLE		0	0	1,841
JETBLUE AIRWAYS CORPORATION	Common Stock	477143101	276,487	37,979	SH		SOLE		0	0	37,979
CVS HEALTH CORP COM	Common Stock	126650100	268,463	3,613	SH		SOLE		0	0	3,613
FORDMTRCODELCOM	Common Stock	345370860	265,772	21,093	SH		SOLE		0	0	21,093
DEERE & CO COM	Common Stock	244199105	265,107	640	SH		SOLE		0	0	640
NOVO-NORDISK A S	Common Stock	670100205	258,323	1,611	SH		SOLE		0	0	1,611
SCHWAB STRATEGIC TR US SML CAP ETF	ETF	808524607	255,981	6,105	SH		SOLE		0	0	6,105
MOODY'S CORPORATION	Common Stock	615369105	254,025	830	SH		SOLE		0	0	830
ISHARES TR 20 YR TR BD ETF	ETF	464287432	250,501	2,355	SH		SOLE		0	0	2,355
CLOROX CO DEL COM	Common Stock	189054109	249,583	1,577	SH		SOLE		0	0	1,577
CORTEVA INC COM	Common Stock	22052L104	244,075	4,047	SH		SOLE		0	0	4,047
SCHWAB CHARLES CORP COM	Common Stock	808513105	241,008	4,601	SH		SOLE		0	0	4,601
STRYKER CORPORATION COM	Common Stock	863667101	238,483	833	SH		SOLE		0	0	833
SCHWAB STRATEGIC TR US TIPS ETF	ETF	808524870	237,561	4,431	SH		SOLE		0	0	4,431
ISHARES TR MSCI EAFE ETF	ETF	464287465	234,501	3,279	SH		SOLE		0	0	3,279
PENN NATIONAL GAMING, INC.	Common Stock	707569109	224,408	7,566	SH		SOLE		0	0	7,566
ALIBABA GROUP HOLDING LIMITED	Common Stock	01609W102	223,898	2,191	SH		SOLE		0	0	2,191
WASTE MGMT INC	Common Stock	94106L109	223,840	1,372	SH		SOLE		0	0	1,372
VANGUARD WORLD FDS ENERGY ETF	ETF	92204A306	222,687	1,949	SH		SOLE		0	0	1,949
VANGUARD WORLD FDS MATERIALS ETF	ETF	92204A801	222,332	1,250	SH		SOLE		0	0	1,250
GENERAL MOTORS COMPANY	Common Stock	37045V100	221,900	6,050	SH		SOLE		0	0	6,050
VANGUARD SPECIALIZED FUNDS DIV APP ETF	ETF	921908844	221,793	1,440	SH		SOLE		0	0	1,440
ISHARES TR GRWT ALLOCAT ETF	ETF	464289867	220,924	4,416	SH		SOLE		0	0	4,416
NORTHROP GRUMMAN CORP COM	Common Stock	666807102	220,913	478	SH		SOLE		0	0	478
ISHARES TR S&P 500 GRWT ETF	ETF	464287309	220,101	3,445	SH		SOLE		0	0	3,445
VANGUARD WORLD FDS INDUSTRIAL ETF	ETF	92204A603	213,371	1,120	SH		SOLE		0	0	1,120
MONSTER BEVERAGE CORP NEW COM	Common Stock	61174X109	211,827	3,922	SH		SOLE		0	0	3,922
FORTINET INC COM	Common Stock	34959E109	210,545	3,168	SH		SOLE		0	0	3,168
ANSYS INC COM	Common Stock	03662Q105	205,670	618	SH		SOLE		0	0	618
AMPHENOL CORP NEW CL A	Common Stock	032095101	204,161	2,479	SH		SOLE		0	0	2,479
AIR PRODS & CHEMS INC COM	Common Stock	009158106	203,575	705	SH		SOLE		0	0	705
CSX CORP COM	Common Stock	126408103	202,769	6,773	SH		SOLE		0	0	6,773
PNC FINL SVCS GROUP INC	Common Stock	693475105	202,559	1,594	SH		SOLE		0	0	1,594
ISHARES:MSCI EM MKTS	ETF	464287234	201,443	5,105	SH		SOLE		0	0	5,105
EMERSON ELEC CO COM	Common Stock	291011104	200,732	2,304	SH		SOLE		0	0	2,304
WARNER BROS DISCOVERY INC COM SER A	Common Stock	934423104	170,086	11,264	SH		SOLE		0	0	11,264
LYFT INC CL A	Common Stock	55087P104	162,957	17,579	SH		SOLE		0	0	17,579
ENERGY TRANSFER UNT	Common Stock	29273V100	126,994	10,184	SH		SOLE		0	0	10,184
SUNWORKS INC	Common Stock	86803X204	20,160	14,000	SH		SOLE		0	0	14,000
AQUABOUNTY TECHNOLOGIES INC	Common Stock	03842K200	12,106	20,353	SH		SOLE		0	0	20,353