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	1,285	8,627	SH		SOLE		0	0	8,627
ABBOTT LABORATORIES	COM	002824100	105	888	SH		SOLE		0	0	888
ABBVIE INC	COM	00287Y109	193	1,193	SH		SOLE		0	0	1,193
ACCENTURE PLC	SHS Class A	G1151C101	33	97	SH		SOLE		0	0	97
ADOBE INC	COM	00724F101	22	49	SH		SOLE		0	0	49
ADVANCED MICRO DEVIC	COM	007903107	97	890	SH		SOLE		0	0	890
AIR PROD & CHEMICALS	COM	009158106	46	185	SH		SOLE		0	0	185
ALCOA CORP	COM	013872106	92	1,019	SH		SOLE		0	0	1,019
ALPHABET INC.	CL A	02079K305	5,499	1,977	SH		SOLE		0	0	1,977
ALPHABET INC.	CL C	02079K107	399	143	SH		SOLE		0	0	143
ALTRIA GROUP INC	COM	02209S103	63	1,197	SH		SOLE		0	0	1,197
AMAZON.COM INC	COM	023135106	6,329	1,939	SH		SOLE		0	0	1,939
AMERN TOWER CORP REIT	COM	03027X100	248	988	SH		SOLE		0	0	988
AMGEN INC.	COM	031162100	146	604	SH		SOLE		0	0	604
APPLE INC	COM	037833100	14,729	84,209	SH		SOLE		0	0	84,209
AUTODESK INC	COM	052769106	21	97	SH		SOLE		0	0	97
BANK OF AMERICA CORP	COM	060505104	192	4,661	SH		SOLE		0	0	4,661
BECTON DICKINSON&CO	COM	075887109	1,875	7,048	SH		SOLE		0	0	7,048
BERKSHIRE HATHAWAY	CL B NEW	084670702	2,623	7,433	SH		SOLE		0	0	7,433
BLACKROCK INC	COM	09247X101	3,603	4,714	SH		SOLE		0	0	4,714
BOEING CO	COM	097023105	169	885	SH		SOLE		0	0	885
BRISTOL-MYERS SQUIBB	COM	110122108	85	1,170	SH		SOLE		0	0	1,170
BROADCOM INC	COM	11135F101	23	37	SH		SOLE		0	0	37
BROOKFIELD ASSET MGM	CL A	G16169107	127	2,250	SH		SOLE		0	0	2,250
CARMAX INC	COM	143130102	1,428	14,803	SH		SOLE		0	0	14,803
CATALENT INC	COM	148806102	9	81	SH		SOLE		0	0	81
CATERPILLAR INC	COM	149123101	2	10	SH		SOLE		0	0	10
CHARLES SCHWAB CORP	COM	808513105	4,023	47,718	SH		SOLE		0	0	47,718
CHECK PT SOFTWARE	COM	M22465104	41	300	SH		SOLE		0	0	300
CHEVRON CORP	COM	166764100	114	703	SH		SOLE		0	0	703
CHOICE HOTELS INTL	COM	169905106	542	3,823	SH		SOLE		0	0	3,823
CHUBB LTD	COM	H1467J104	2,675	12,508	SH		SOLE		0	0	12,508
CIRRUS LOGIC INC	COM	172755100	25	300	SH		SOLE		0	0	300
CISCO SYSTEMS INC	COM	17275R102	17	301	SH		SOLE		0	0	301
CITIGROUP INC	COM NEW	172967424	68	1,268	SH		SOLE		0	0	1,268
COLGATE-PALMOLIVE CO	COM	194162103	89	1,171	SH		SOLE		0	0	1,171
COMCAST CORP	CL A	20030N101	2,463	52,612	SH		SOLE		0	0	52,612
COMMUNICAT SVS SLCT SEC	SPDR ETF	81369Y852	16	236	SH		SOLE		0	0	236
CORTEVA INC	COM	22052L104	4	66	SH		SOLE		0	0	66
COSTCO WHOLESALE CO	COM	22160K105	1,565	2,718	SH		SOLE		0	0	2,718
DELTA AIR LINES INC DEL	COM NEW	247367702	930	23,500	SH		SOLE		0	0	23,500
DESCARTES SYS GROUP	COM	249906108	10	132	SH		SOLE		0	0	132
DOMINION ENERGY INC	COM	25746U109	99	1,165	SH		SOLE		0	0	1,165
DOW INC	COM	260557103	4	66	SH		SOLE		0	0	66
DRAFTKINGS INC	COM CL A	26142R104	4	193	SH		SOLE		0	0	193
DUKE ENERGY CORP	COM NEW	26441C204	124	1,110	SH		SOLE		0	0	1,110
DUPONT DE NEMOURS INC	COM	26614N102	5	66	SH		SOLE		0	0	66
EAGLE MATERIALS INC	COM	26969P108	10	76	SH		SOLE		0	0	76
EDWARDS LIFESCIENCES	COM	28176E108	71	600	SH		SOLE		0	0	600
EMERSON ELECTRIC CO	COM	291011104	10	100	SH		SOLE		0	0	100
ENBRIDGE INC	COM	29250N105	94	2,045	SH		SOLE		0	0	2,045
ENERGY SELECT SECTOR	SPDR ETF	81369Y506	4	56	SH		SOLE		0	0	56
ENSTAR GROUP LTD	SHS	G3075P101	95	363	SH		SOLE		0	0	363
ENTERPRISE PRODS PART LP	COM	293792107	3	98	SH		SOLE		0	0	98
ETSY INC	COM	29786A106	1	12	SH		SOLE		0	0	12
FEDEX CORP	COM	31428X106	271	1,171	SH		SOLE		0	0	1,171
GARTNER INC	COM	366651107	13	43	SH		SOLE		0	0	43
GENERAL DYNAMICS CO	COM	369550108	1,991	8,254	SH		SOLE		0	0	8,254
GENERAL ELECTRIC CO	COM	369604103	823	8,999	SH		SOLE		0	0	8,999
GENERAL MILLS INC	COM	370334104	93	1,370	SH		SOLE		0	0	1,370
GILEAD SCIENCES INC	COM	375558103	18	300	SH		SOLE		0	0	300
GLAXOSMITHKLINE PLC	SPON ADR	37733W105	26	600	SH		SOLE		0	0	600
GLOBE LIFE INC	COM	37959E102	23	225	SH		SOLE		0	0	225
GOLDMAN SACHS GROUP	COM	38141G104	17	50	SH		SOLE		0	0	50
HARLEY DAVIDSON INC	COM	412822108	5	128	SH		SOLE		0	0	128
HLTHCARE REALTY TR REIT	COM	421946104	14	500	SH		SOLE		0	0	500
HOME DEPOT INC	COM	437076102	709	2,368	SH		SOLE		0	0	2,368
HONEYWELL INTL INC	COM	438516106	1,814	9,325	SH		SOLE		0	0	9,325
HORMEL FOODS CORP	COM	440452100	38	728	SH		SOLE		0	0	728
INDEPENDENCE REALTY REIT	COM	45378A106	26	1,000	SH		SOLE		0	0	1,000
INVESCO QQQ TRUST	UNIT SER 1	46090E103	405	1,118	SH		SOLE		0	0	1,118
IQVIA HOLDINGS INC	COM	46266C105	3,557	15,383	SH		SOLE		0	0	15,383
ISHARES BIOTECHNOLOGY ETF	NASDAQ BIOTECH	464287556	84	642	SH		SOLE		0	0	642
ISHARES CORE MSCI EMERGING ETF	CORE MSCI EMKT	46434G103	85	1,533	SH		SOLE		0	0	1,533
ISHARES CORE MSCI EUROPE ETF	CORE MSCI EURO	46434V738	13	246	SH		SOLE		0	0	246
ISHARES CORE S&P 500 ETF	CORE S&P 500 ETF	464287200	816	1,797	SH		SOLE		0	0	1,797
ISHARES CORE S&P MID CAPETF IV	CORE S&P MCP ETF	464287507	611	2,278	SH		SOLE		0	0	2,278
ISHARES CORE S&P SMALL CAP ETF IV	CORE S&P SCP ETF	464287804	186	1,721	SH		SOLE		0	0	1,721
ISHARES CORE US AGGREGATE BOND ETF	CORE US AGGBD ETF	464287226	27	248	SH		SOLE		0	0	248
ISHARES JPMORGAN USD MTSBOND ETF	EMERGING MKT ETF	464288281	31	317	SH		SOLE		0	0	317
ISHARES MSCI EAFE ETF	MSCI EAFE ETF	464287465	5	64	SH		SOLE		0	0	64
ISHARES NATIONAL MUNI BOND ETF	MUNI BOND ETF	464288414	68	620	SH		SOLE		0	0	620
ISHARES RUSSELL 1000 GROWTH	RUS 1000 GRW ETF	464287614	8	30	SH		SOLE		0	0	30
ISHARES S&P 500 GROWTH ETF IV	S&P 500 GRWT ETF	464287309	546	7,135	SH		SOLE		0	0	7,135
ISHARES S&P 500 VALUE ETF	S&P 500 VAL ETF	464287408	396	2,545	SH		SOLE		0	0	2,545
ISHARES S&P SMALL CAP 600 ETF IV	S&P 600 CAP ETF	464287879	132	1,294	SH		SOLE		0	0	1,294
ISHARES S&P SMLL CAP 600GRTH ETF	S&P 600GRTH ETF	464287887	157	1,252	SH		SOLE		0	0	1,252
ISHARES SELECT DIVIDEND ETF	SELECT DIVIDEND ETF	464287168	128	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	2,547	14,371	SH		SOLE		0	0	14,371
JPMORGAN CHASE & CO	COM	46625h100	2,995	21,969	SH		SOLE		0	0	21,969
LAB CO OF AMER HLDG	COM NEW	50540R409	1,673	6,346	SH		SOLE		0	0	6,346
LIBERTY BROADBAND CO	COM SER C	530307305	2	14	SH		SOLE		0	0	14
LILLY ELI & CO	COM	532457108	856	2,989	SH		SOLE		0	0	2,989
LITHIA MOTORS INC	COM	536797103	10	32	SH		SOLE		0	0	32
LOWES COMPANIES INC	COM	548661107	229	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	422	10,982	SH		SOLE		0	0	10,982
MAGELLAN MIDSTREAM PA LP	COM UNIT RP LP	559080106	25	500	SH		SOLE		0	0	500
MASTERCARD INC	CL A	57636Q104	4,651	13,013	SH		SOLE		0	0	13,013
MCDONALDS CORP	COM	580135101	2,020	8,169	SH		SOLE		0	0	8,169
MEDTRONIC PLC	SHS	G5960L103	12	109	SH		SOLE		0	0	109
MERCK & CO. INC.	COM	58933Y105	202	2,462	SH		SOLE		0	0	2,462
META PLATFORMS INC	CL A	30303M102	2,494	11,217	SH		SOLE		0	0	11,217
MFA FINL, INC.	COM	55272X102	2	472	SH		SOLE		0	0	472
MICROSOFT CORP	COM	594918104	7,959	25,761	SH		SOLE		0	0	25,761
MOHAWK INDUSTRIES	COM	608190104	109	875	SH		SOLE		0	0	875
MONDELEZ INTL	CL A	609207105	101	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	220	1,638	SH		SOLE		0	0	1,638
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	38	3,955	SH		SOLE		0	0	3,955
NVIDIA CORP	COM	67066G104	102	373	SH		SOLE		0	0	373
O REILLY AUTOMOTIVE	COM	67103H107	11	16	SH		SOLE		0	0	16
OLD DOMINION FREIGHT	COM	679580100	10	33	SH		SOLE		0	0	33
ORACLE CORP	COM	68389X105	27	323	SH		SOLE		0	0	323
ORGANON & CO	COM	68622V106	7	205	SH		SOLE		0	0	205
PALO ALTO NETWORKS	COM	697435105	339	544	SH		SOLE		0	0	544
PAYPAL HOLDINGS INCORPOR	COM	70450Y103	2,481	21,453	SH		SOLE		0	0	21,453
PELOTON INTERACTIVE INC	CL A	70614W100	7	260	SH		SOLE		0	0	260
PENN NTNL GAMING	COM	707569109	15	359	SH		SOLE		0	0	359
PEPSICO INC	COM	713448108	15	88	SH		SOLE		0	0	88
PERFORMANCE FOOD GROUP C	COM	71377A103	25	500	SH		SOLE		0	0	500
PFIZER INC	COM	717071104	3,284	63,426	SH		SOLE		0	0	63,426
PHILIP MORRIS INTL	COM	718172109	1,836	19,541	SH		SOLE		0	0	19,541
PIMCO ENHNCD SHRT MATRTYACTV	ETF	72201R833	94	939	SH		SOLE		0	0	939
PNC FINL SERVICES	COM	693475105	90	488	SH		SOLE		0	0	488
PORCH GROUP INC	COM	733245104	4	595	SH		SOLE		0	0	595
PROCTER & GAMBLE	COM	742718109	1,312	8,586	SH		SOLE		0	0	8,586
PRUDENTIAL FINL	COM	744320102	12	100	SH		SOLE		0	0	100
REALTY INCM CORP REIT	COM	756109104	90	1,300	SH		SOLE		0	0	1,300
SALESFORCE COM	COM	79466L302	2,698	12,707	SH		SOLE		0	0	12,707
SELECT SECTOR HEALTH CARE SPD ETF	SBDR SBI HEALTHCARE	81369Y209	19	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	18	476	SH		SOLE		0	0	476
SERVICE NOW INC	COM	81762P102	16	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	17	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	2,252	4,982	SH		SOLE		0	0	4,982
SPDR S&P DIVIDEND ETF IV	S&P DIVID ETF	78464A763	157	1,227	SH		SOLE		0	0	1,227
SPDR S&P MIDCAP 400 ETF IV	UTSER1 S&PDCRP	78467Y107	416	847	SH		SOLE		0	0	847
SQUARE INC	CL A	852234103	54	400	SH		SOLE		0	0	400
STARBUCKS CORP	COM	855244109	2,089	22,968	SH		SOLE		0	0	22,968
SYNOVUS FINL CO	COM	871607107	280	5,717	SH		SOLE		0	0	5,717
TAIWAN SEMICONDUCTR	SPONSORED ADR	874039100	1,612	15,458	SH		SOLE		0	0	15,458
TECHNOLOGY SELECT SECTORSPDR	SPDR TECHNOLOGY	81369Y803	34	212	SH		SOLE		0	0	212
THE COCA-COLA CO	COM	191216100	130	2,102	SH		SOLE		0	0	2,102
TORONTO-DOMINION BK F	COM NEW	891160509	53	667	SH		SOLE		0	0	667
TRUIST FINL CORP	COM	054937107	267	4,711	SH		SOLE		0	0	4,711
UBER TECHNOLOGIES INC	COM	90353T100	1,145	32,086	SH		SOLE		0	0	32,086
ULTA BEAUTY INC.	COM	903845303	40	100	SH		SOLE		0	0	100
UNITED PARCEL SRVC	CL B	911312106	21	100	SH		SOLE		0	0	100
UNITEDHEALTH GRP INC	COM	91324P102	3,098	6,075	SH		SOLE		0	0	6,075
VANGUARD ENERGY ETF	ENERGY ETF	92204A306	424	3,965	SH		SOLE		0	0	3,965
VANGUARD FTSE ALL WORLD EX US ETF	ALLWRLD EX US ETF	922042775	393	6,817	SH		SOLE		0	0	6,817
VANGUARD FTSE DEVELOPED MKTS ETF	FTSE DEVMKT ETF	921943858	115	2,390	SH		SOLE		0	0	2,390
VANGUARD FTSE EMERGING MARK ETF IV	EMERGING MKT ETF	922042858	68	1,470	SH		SOLE		0	0	1,470
VANGUARD FTSE PACIFIC	FTSE PACIFIC ETF	922042866	18	242	SH		SOLE		0	0	242
VANGUARD MID CAP ETF	MID CAP ETF	922908629	4	16	SH		SOLE		0	0	16
VANGUARD MID CAP VALUE ETF IV	MID CAP ETF	922908512	33	221	SH		SOLE		0	0	221
VANGUARD S&P 500 ETF	S&P 500 ETF SHS	922908363	32,946	79,267	SH		SOLE		0	0	79,267
VANGUARD SHORT-TERM BONDETF	SHORT TRM BOND ETF	921937827	77	991	SH		SOLE		0	0	991
VANGUARD SHRT INF PROT SEC INDEX ETF	SHORT TRM IDX ETF	922020805	13	245	SH		SOLE		0	0	245
VANGUARD SMALL CAP ETF	SMALL CP ETF	922908751	958	4,506	SH		SOLE		0	0	4,506
VANGUARD SMALL CAP VALUEETF IV	SMALL CAP ETF	922908611	28	160	SH		SOLE		0	0	160
VANGUARD TOTAL BOND MARKET ETF	TOTAL BND MKT	921937835	322	4,044	SH		SOLE		0	0	4,044
VANGUARD TOTAL INTERNATIONAL BND ETF	INTL BD IDX ETF	92203J407	122	2,334	SH		SOLE		0	0	2,334
VANGUARD TOTAL INTERNATIONAL STK ETF	TL INTL tl STK ETF	921909768	808	13,520	SH		SOLE		0	0	13,520
VANGUARD TOTAL STOCK MARKET ETF	TOTAL STK MKT ETF	922908769	334	1,465	SH		SOLE		0	0	1,465
VERICEL CORP	COM	92346J108	8	211	SH		SOLE		0	0	211
VERIZON COMMUNICATN	COM	92343V104	5	100	SH		SOLE		0	0	100
VISA INC	CL A	92826C839	4,023	18,141	SH		SOLE		0	0	18,141
WALMART INC	COM	931142103	19	128	SH		SOLE		0	0	128
WALT DISNEY CO	COM	254687106	1,977	14,416	SH		SOLE		0	0	14,416
WELLS FARGO & CO	COM NEW	949746101	74	1,520	SH		SOLE		0	0	1,520
WENDYS CO	COM	95058W100	11	478	SH		SOLE		0	0	478
WESTERN ALLIANCE BNC	COM	957638109	8	91	SH		SOLE		0	0	91
CREE, INC	COM	225447101	8	66	SH		SOLE		0	0	66
WORKDAY INC	CL A	98138H101	50	209	SH		SOLE		0	0	209
XERIS PHARMACEUTICALS IN	COM	98422L107	2	803	SH		SOLE		0	0	803
ZEBRA TECHNOLOGIES	CL A	989207105	9	21	SH		SOLE		0	0	21
ZIMMER BIOMET HLDGS	COM	98956P102	38	300	SH		SOLE		0	0	300
ZOETIS INC	CL A	98978V103	20	108	SH		SOLE		0	0	108