Investment Research & Advisory 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	1,192	6,709	SH		SOLE		0	0	6,709
ABBOTT LABORATORIES	COM	002824100	125	888	SH		SOLE		0	0	888
ABBVIE INC	COM	00287Y109	162	1,193	SH		SOLE		0	0	1,193
ACCENTURE PLC	SHS Class A	G1151C101	40	97	SH		SOLE		0	0	97
ADOBE INC	COM	00724F101	28	49	SH		SOLE		0	0	49
ADVANCED MICRO DEVIC	COM	007903107	83	578	SH		SOLE		0	0	578
AIR PROD & CHEMICALS	COM	009158106	79	260	SH		SOLE		0	0	260
ALCOA CORP	COM	013872106	61	1,019	SH		SOLE		0	0	1,019
ALPHABET INC.	CL C	02079K107	486	168	SH		SOLE		0	0	168
ALPHABET INC.	CL A	02079K305	5,614	1,938	SH		SOLE		0	0	1,938
ALTRIA GROUP INC	COM	02209S103	57	1,197	SH		SOLE		0	0	1,197
AMAZON.COM INC	COM	023135106	6,149	1,844	SH		SOLE		0	0	1,844
AMERN TOWER CORP REIT	COM	03027X100	289	988	SH		SOLE		0	0	988
AMGEN INC.	COM	031162100	136	604	SH		SOLE		0	0	604
APPLE INC	COM	037833100	14,849	83,624	SH		SOLE		0	0	83,624
ASTRONOVA INC	COM	04638F108	14	1,000	SH		SOLE		0	0	1,000
AUTODESK INC	COM	052769106	27	97	SH		SOLE		0	0	97
BANK OF AMERICA CORP	COM	060505104	207	4,661	SH		SOLE		0	0	4,661
BECTON DICKINSON&CO	COM	075887109	1,636	6,504	SH		SOLE		0	0	6,504
BERKSHIRE HATHAWAY	CL B NEW	084670702	2,206	7,379	SH		SOLE		0	0	7,379
BLACKROCK INC	COM	09247X101	4,176	4,561	SH		SOLE		0	0	4,561
BOEING CO	COM	097023105	140	695	SH		SOLE		0	0	695
BRISTOL-MYERS SQUIBB	COM	110122108	73	1,170	SH		SOLE		0	0	1,170
BROADCOM INC	COM	11135F101	25	37	SH		SOLE		0	0	37
BROOKFIELD ASSET MGM	CL A	G16169107	136	2,250	SH		SOLE		0	0	2,250
BROOKFIELD BUSINESS	UNIT LTD L P	G16234109	1	30	SH		SOLE		0	0	30
CARMAX INC	COM	143130102	1,659	12,739	SH		SOLE		0	0	12,739
CATALENT INC	COM	148806102	10	81	SH		SOLE		0	0	81
CATERPILLAR INC	COM	149123101	2	10	SH		SOLE		0	0	10
CERNER CORP	COM	156782104	1,687	18,168	SH		SOLE		0	0	18,168
CHARLES SCHWAB CORP	COM	808513105	4,016	47,747	SH		SOLE		0	0	47,747
CHECK PT SOFTWARE	COM	M22465104	35	300	SH		SOLE		0	0	300
CHEVRON CORP	COM	166764100	82	703	SH		SOLE		0	0	703
CHOICE HOTELS INTL	COM	169905106	596	3,823	SH		SOLE		0	0	3,823
CHUBB LTD	COM	H1467J104	2,398	12,404	SH		SOLE		0	0	12,404
CIRRUS LOGIC INC	COM	172755100	28	300	SH		SOLE		0	0	300
CISCO SYSTEMS INC	COM	17275R102	19	301	SH		SOLE		0	0	301
CITIGROUP INC	COM NEW	172967424	77	1,268	SH		SOLE		0	0	1,268
COLGATE-PALMOLIVE CO	COM	194162103	100	1,171	SH		SOLE		0	0	1,171
COMCAST CORP	CL A	20030N101	2,475	49,181	SH		SOLE		0	0	49,181
COMMUNICAT SVS SLCT SEC	SPDR ETF	81369Y852	18	236	SH		SOLE		0	0	236
CONOCOPHILLIPS	COM	20825C104	32	437	SH		SOLE		0	0	437
CORTEVA INC	COM	22052L104	12	263	SH		SOLE		0	0	263
COSTCO WHOLESALE CO	COM	22160K105	93	164	SH		SOLE		0	0	164
CREE, INC	COM	225447101	7	66	SH		SOLE		0	0	66
DELTA AIR LINES INC DEL	COM NEW	247367702	794	20,305	SH		SOLE		0	0	20,305
DESCARTES SYS GROUP	COM	249906108	11	132	SH		SOLE		0	0	132
DOMINION ENERGY INC	COM	25746U109	92	1,165	SH		SOLE		0	0	1,165
DRAFTKINGS INC	COM CL A	26142R104	5	193	SH		SOLE		0	0	193
DUKE ENERGY CORP	COM NEW	26441C204	116	1,110	SH		SOLE		0	0	1,110
DUPONT DE NEMOURS INC	COM	26614N102	21	263	SH		SOLE		0	0	263
EAGLE MATERIALS INC	COM	26969P108	13	76	SH		SOLE		0	0	76
EDISON INTERNTNL	COM	281020107	66	967	SH		SOLE		0	0	967
EDWARDS LIFESCIENCES	COM	28176E108	78	600	SH		SOLE		0	0	600
EMERSON ELECTRIC CO	COM	291011104	9	100	SH		SOLE		0	0	100
ENBRIDGE INC	COM	29250N105	80	2,045	SH		SOLE		0	0	2,045
ENERGY SELECT SECTOR	SPDR ETF	81369Y506	3	56	SH		SOLE		0	0	56
ENSTAR GROUP LTD	SHS	G3075P101	90	363	SH		SOLE		0	0	363
ENTERPRISE PRODS PART LP	COM	293792107	2	98	SH		SOLE		0	0	98
ENVISTA HOLDINGS CORP	COM	29415F104	5	111	SH		SOLE		0	0	111
ETSY INC	COM	29786A106	3	12	SH		SOLE		0	0	12
FEDEX CORP	COM	31428X106	303	1,171	SH		SOLE		0	0	1,171
GARTNER INC	COM	366651107	14	43	SH		SOLE		0	0	43
GENERAL DYNAMICS CO	COM	369550108	1,686	8,087	SH		SOLE		0	0	8,087
GENERAL ELECTRIC CO	COM	369604103	611	6,470	SH		SOLE		0	0	6,470
GENERAL MILLS INC	COM	370334104	92	1,370	SH		SOLE		0	0	1,370
GILEAD SCIENCES INC	COM	375558103	22	300	SH		SOLE		0	0	300
GLAXOSMITHKLINE PLC	SPON ADR	37733W105	26	600	SH		SOLE		0	0	600
GLOBE LIFE INC	COM	37959E102	21	225	SH		SOLE		0	0	225
GOLDMAN SACHS GROUP	COM	38141G104	19	50	SH		SOLE		0	0	50
HLTHCARE REALTY TR REIT	COM	421946104	16	500	SH		SOLE		0	0	500
HOME DEPOT INC	COM	437076102	1,024	2,468	SH		SOLE		0	0	2,468
HONEYWELL INTL INC	COM	438516106	394	1,888	SH		SOLE		0	0	1,888
HORMEL FOODS CORP	COM	440452100	36	728	SH		SOLE		0	0	728
INVESCO QQQ TRUST	UNIT SER 1	46090E103	445	1,118	SH		SOLE		0	0	1,118
IQVIA HOLDINGS INC	COM	46266C105	4,263	15,108	SH		SOLE		0	0	15,108
ISHARES BIOTECHNOLOGY ETF	NASDAQ BIOTECH	464287556	98	642	SH		SOLE		0	0	642
ISHARES CORE MSCI EMERGING ETF	CORE MSCI EMKT	46434G103	92	1,533	SH		SOLE		0	0	1,533
ISHARES CORE MSCI EUROPE ETF	CORE MSCI EURO	46434V738	14	246	SH		SOLE		0	0	246
ISHARES CORE S&P 500 ETF	CORE S&P 500 ETF	464287200	770	1,614	SH		SOLE		0	0	1,614
ISHARES CORE S&P MID CAPETF IV	CORE S&P MCP ETF	464287507	614	2,170	SH		SOLE		0	0	2,170
ISHARES CORE S&P SMALL CAP ETF IV	CORE S&P SCP ETF	464287804	193	1,685	SH		SOLE		0	0	1,685
ISHARES CORE US AGGREGATE BOND ETF	CORE US AGGBD ETF	464287226	9	79	SH		SOLE		0	0	79
ISHARES MSCI EAFE ETF	MSCI EAFE ETF	464287465	5	64	SH		SOLE		0	0	64
ISHARES RUSSELL 1000 GROWTH	RUS 1000 GRW ETF	464287614	9	30	SH		SOLE		0	0	30
ISHARES S&P 500 GROWTH ETF IV	S&P 500 GRWT ETF	464287309	597	7,137	SH		SOLE		0	0	7,137
ISHARES S&P 500 VALUE ETF	S&P 500 VAL ETF	464287408	399	2,545	SH		SOLE		0	0	2,545
ISHARES S&P SMALL CAP 600 ETF IV	S&P 600 CAP ETF	464287879	135	1,294	SH		SOLE		0	0	1,294
ISHARES S&P SMLL CAP 600GRTH ETF	S&P 600GRTH ETF	464287887	174	1,252	SH		SOLE		0	0	1,252
ISHARES SELECT DIVIDEND ETF	SELECT DIVIDEND ETF	464287168	123	1,000	SH		SOLE		0	0	1,000
ISHARES US FINANCIAL SER ETF	US FIN SVC ETF	464287770	6	32	SH		SOLE		0	0	32
JOHNSON & JOHNSON	COM	478160104	2,477	14,478	SH		SOLE		0	0	14,478
JPMORGAN CHASE & CO	COM	46625h100	3,454	21,815	SH		SOLE		0	0	21,815
LAB CO OF AMER HLDG	COM NEW	50540R409	94	299	SH		SOLE		0	0	299
LIBERTY BROADBAND CO	COM SER C	530307305	2	14	SH		SOLE		0	0	14
LILLY ELI & CO	COM	532457108	817	2,957	SH		SOLE		0	0	2,957
LITHIA MOTORS INC	COM	536797103	10	32	SH		SOLE		0	0	32
LOWES COMPANIES INC	COM	548661107	293	1,132	SH		SOLE		0	0	1,132
LPL FINL HLDGS	COM	50212V100	4	23	SH		SOLE		0	0	23
LYFT INC	CL A	55087P104	386	9,028	SH		SOLE		0	0	9,028
MAGELLAN MIDSTREAM PA LP	COM UNIT RP LP	559080106	23	500	SH		SOLE		0	0	500
MASTERCARD INC	CL A	57636Q104	4,613	12,838	SH		SOLE		0	0	12,838
MCDONALDS CORP	COM	580135101	2,265	8,450	SH		SOLE		0	0	8,450
MEDTRONIC PLC	SHS	G5960L103	11	109	SH		SOLE		0	0	109
MERCK & CO. INC.	COM	58933Y105	189	2,462	SH		SOLE		0	0	2,462
META PLATFORMS INC	CL A	30303M102	3,238	9,627	SH		SOLE		0	0	9,627
MICROSOFT CORP	COM	594918104	8,606	25,590	SH		SOLE		0	0	25,590
MOHAWK INDUSTRIES	COM	608190104	159	875	SH		SOLE		0	0	875
MONDELEZ INTL	CL A	609207105	107	1,607	SH		SOLE		0	0	1,607
MURPHY USA INC	COM	626755102	12	61	SH		SOLE		0	0	61
NIKE INC	CL B NEW	654106103	127	764	SH		SOLE		0	0	764
NOVARTIS AG	SPON ADR	66987V109	160	1,825	SH		SOLE		0	0	1,825
NOVO-NORDISK A S	ADR	670100205	24	216	SH		SOLE		0	0	216
NUVEEN MUNICIPAL VALUE C	COM	670928100	41	3,955	SH		SOLE		0	0	3,955
NVIDIA CORP	COM	67066G104	110	373	SH		SOLE		0	0	373
O REILLY AUTOMOTIVE	COM	67103H107	11	16	SH		SOLE		0	0	16
OLD DOMINION FREIGHT	COM	679580100	12	33	SH		SOLE		0	0	33
ORACLE CORP	COM	68389X105	28	323	SH		SOLE		0	0	323
ORGANON & CO	COM	68622V106	7	244	SH		SOLE		0	0	244
PALO ALTO NETWORKS	COM	697435105	303	544	SH		SOLE		0	0	544
PAYPAL HOLDINGS INCORPOR	COM	70450Y103	3,683	19,529	SH		SOLE		0	0	19,529
PELOTON INTERACTIVE INC	CL A	70614W100	16	451	SH		SOLE		0	0	451
PENN NTNL GAMING	COM	707569109	19	359	SH		SOLE		0	0	359
PEPSICO INC	COM	713448108	15	88	SH		SOLE		0	0	88
PERFORMANCE FOOD GROUP C	COM	71377A103	23	500	SH		SOLE		0	0	500
PFIZER INC	COM	717071104	3,683	62,366	SH		SOLE		0	0	62,366
PHILIP MORRIS INTL	COM	718172109	1,908	20,087	SH		SOLE		0	0	20,087
PHILLIPS 66	COM	718546104	44	611	SH		SOLE		0	0	611
PIMCO ENHNCD SHRT MATRTYACTV	ETF	72201R833	95	939	SH		SOLE		0	0	939
PNC FINL SERVICES	COM	693475105	98	488	SH		SOLE		0	0	488
PORCH GROUP INC	COM	733245104	9	595	SH		SOLE		0	0	595
PROCTER & GAMBLE	COM	742718109	1,358	8,300	SH		SOLE		0	0	8,300
PROLOGIS INC. REIT	COM	74340W103	82	488	SH		SOLE		0	0	488
PRUDENTIAL FINL	COM	744320102	11	100	SH		SOLE		0	0	100
REALTY INCM CORP REIT	COM	756109104	133	1,857	SH		SOLE		0	0	1,857
ROBLOX CORP	CL A	771049103	1	10	SH		SOLE		0	0	10
SALESFORCE COM	COM	79466L302	2,760	10,861	SH		SOLE		0	0	10,861
SCHWAB US LARGE CAP	US LCAP ETF	808524201	32	277	SH		SOLE		0	0	277
SCHWAB US LARGE CAP GROWTH	US LCAP GR ETF	808524300	24	146	SH		SOLE		0	0	146
SELECT SECTOR HEALTH CARE SPD ETF	SBDR SBI HEALTHCARE	81369Y209	20	142	SH		SOLE		0	0	142
SELECT SECTOR INDUSTRIALSPDR ETF IV	SBDR SBI INT-INDS	81369Y704	6	59	SH		SOLE		0	0	59
SELECT STR FINANCIAL SELECT S ETF IV	SBDR FINANCIAL	81369Y605	19	476	SH		SOLE		0	0	476
SENSEONICS HOLDINGS	COM	81728A108	4	1,400	SH		SOLE		0	0	1,400
SERVICE NOW INC	COM	81762P102	18	28	SH		SOLE		0	0	28
SERVICE PPTYS TR REIT	COM SH BEN INT	81761L102	7	800	SH		SOLE		0	0	800
SPDR FUND CONSUMER DISCRE SEL	SPDR CONS DISCR	81369Y407	19	94	SH		SOLE		0	0	94
SPDR INDEX SHARES EMERG MARKT	SHS PORTFOLIO EMG MK	78463X509	4	93	SH		SOLE		0	0	93
SPDR PORTFOLIO DVLPD WRLD EX-USA	SHS PORTFOLIO DEVLPD	78463X889	8	232	SH		SOLE		0	0	232
SPDR S&P 500 ETF	SPDR S&P 500 ETF	78468R796	2,366	4,982	SH		SOLE		0	0	4,982
SPDR S&P DIVIDEND ETF IV	S&P DIVID ETF	78464A763	158	1,227	SH		SOLE		0	0	1,227
SPDR S&P MIDCAP 400 ETF IV	UTSER1 S&PDCRP	78467Y107	438	847	SH		SOLE		0	0	847
SQUARE INC	CL A	852234103	65	400	SH		SOLE		0	0	400
STARBUCKS CORP	COM	855244109	2,581	22,065	SH		SOLE		0	0	22,065
SYNOVUS FINL CO	COM	871607107	274	5,717	SH		SOLE		0	0	5,717
TAIWAN SEMICONDUCTR	SPONSORED ADR	874039100	1,535	12,757	SH		SOLE		0	0	12,757
TECHNOLOGY SELECT SECTORSPDR	SPDR TECHNOLOGY	81369Y803	37	212	SH		SOLE		0	0	212
THE COCA-COLA CO	COM	191216100	124	2,102	SH		SOLE		0	0	2,102
TORONTO-DOMINION BK F	COM NEW	891160509	51	667	SH		SOLE		0	0	667
TRAEGER INC	COM	89269P103	3	222	SH		SOLE		0	0	222
TRUIST FINL CORP	COM	054937107	276	4,711	SH		SOLE		0	0	4,711
UBER TECHNOLOGIES INC	COM	90353T100	960	22,901	SH		SOLE		0	0	22,901
ULTA BEAUTY INC.	COM	903845303	41	100	SH		SOLE		0	0	100
UNILEVER PLC	SPOND ADR NEW	904767704	1,101	20,461	SH		SOLE		0	0	20,461
UNITED PARCEL SRVC	CL B	911312106	21	100	SH		SOLE		0	0	100
UNITEDHEALTH GRP INC	COM	91324P102	3,126	6,225	SH		SOLE		0	0	6,225
VANGUARD ENERGY ETF	ENERGY ETF	92204A306	308	3,965	SH		SOLE		0	0	3,965
VANGUARD FTSE ALL WORLD EX US ETF	ALLWRLD EX US ETF	922042775	409	6,672	SH		SOLE		0	0	6,672
VANGUARD FTSE DEVELOPED MKTS ETF	FTSE DEVMKT ETF	921943858	9	179	SH		SOLE		0	0	179
VANGUARD FTSE PACIFIC	FTSE PACIFIC ETF	922042866	19	242	SH		SOLE		0	0	242
VANGUARD HIGH DIVIDEND YIELD ETF	HIGH DIV YLD ETF	921946406	13	120	SH		SOLE		0	0	120
VANGUARD MID CAP ETF	MID CAP ETF	922908629	4	16	SH		SOLE		0	0	16
VANGUARD S&P 500 ETF	S&P 500 ETF SHS	922908363	34,345	78,669	SH		SOLE		0	0	78,669
VANGUARD SHORT-TERM BONDETF	SHORT TRM BOND ETF	921937827	80	991	SH		SOLE		0	0	991
VANGUARD SMALL CAP ETF	SMALL CP ETF	922908751	1,451	6,420	SH		SOLE		0	0	6,420
VANGUARD TOTAL BOND MARKET ETF	TOTAL BND MKT	921937835	334	3,940	SH		SOLE		0	0	3,940
VANGUARD TOTAL INTERNATIONAL BND ETF	INTL BD IDX ETF	92203J407	68	1,232	SH		SOLE		0	0	1,232
VANGUARD TOTAL INTERNATIONAL STK ETF	TL INTL tl STK ETF	921909768	1,497	23,543	SH		SOLE		0	0	23,543
VANGUARD TOTAL STOCK MARKET ETF	TOTAL STK MKT ETF	922908769	192	796	SH		SOLE		0	0	796
VENTAS INC REIT	COM	92276F100	20	383	SH		SOLE		0	0	383
VERICEL CORP	COM	92346J108	8	211	SH		SOLE		0	0	211
VISA INC	CL A	92826C839	3,885	17,927	SH		SOLE		0	0	17,927
WALMART INC	COM	931142103	8	55	SH		SOLE		0	0	55
WALT DISNEY CO	COM	254687106	2,128	13,736	SH		SOLE		0	0	13,736
WELLS FARGO & CO	COM NEW	949746101	67	1,400	SH		SOLE		0	0	1,400
WENDYS CO	COM	95058W100	11	478	SH		SOLE		0	0	478
WESTERN ALLIANCE BNC	COM	957638109	10	91	SH		SOLE		0	0	91
WORKDAY INC	CL A	98138H101	57	209	SH		SOLE		0	0	209
XERIS PHARMACEUTICALS IN	COM	98422L107	2	803	SH		SOLE		0	0	803
ZEBRA TECHNOLOGIES	CL A	989207105	12	21	SH		SOLE		0	0	21
ZIMMER BIOMET HLDGS	COM	98956P102	38	300	SH		SOLE		0	0	300
ZOETIS INC	CL A	98978V103	26	108	SH		SOLE		0	0	108