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	1,083,957	9,039	SH		SOLE		0	0	9,039
ABBOTT LABORATORIES	COM	002824100	97,494	888	SH		SOLE		0	0	888
ABBVIE INC	COM	00287Y109	192,801	1,193	SH		SOLE		0	0	1,193
ACCENTURE PLC	SHS Class A	G1151C101	25,883	97	SH		SOLE		0	0	97
ADOBE INC	COM	00724F101	24,903	74	SH		SOLE		0	0	74
ADVANCED MICRO DEVIC	COM	007903107	57,645	890	SH		SOLE		0	0	890
AIR PROD & CHEMICALS	COM	009158106	57,028	185	SH		SOLE		0	0	185
ALCOA CORP	COM	013872106	46,334	1,019	SH		SOLE		0	0	1,019
ALLBIRDS INC	COM	01675A109	736	304	SH		SOLE		0	0	304
ALPHABET INC.	CAP STK CL A	02079K305	3,680,603	41,716	SH		SOLE		0	0	41,716
ALPHABET INC.	CAP STK CL C	02079K107	342,498	3,860	SH		SOLE		0	0	3,860
ALTRIA GROUP INC	COM	02209S103	54,715	1,197	SH		SOLE		0	0	1,197
AMAZON.COM INC	COM	023135106	3,274,236	38,979	SH		SOLE		0	0	38,979
AMGEN INC.	COM	031162100	158,635	604	SH		SOLE		0	0	604
APPLE INC	COM	037833100	11,194,328	86,156	SH		SOLE		0	0	86,156
ATLASSIAN CORP	CL A	G06242104	5,791	45	SH		SOLE		0	0	45
AUTODESK INC	COM	052769106	18,126	97	SH		SOLE		0	0	97
BANK AMERICA CORP	COM	060505104	154,372	4,661	SH		SOLE		0	0	4,661
BECTON DICKINSON&CO	COM	075887109	1,967,011	7,735	SH		SOLE		0	0	7,735
BERKSHIRE HATHAWAY	CL B NEW	084670702	2,325,090	7,527	SH		SOLE		0	0	7,527
BLACKROCK INC	COM	09247X101	3,657,657	5,161	SH		SOLE		0	0	5,161
BLOCK INC	CL A	852234103	6,158	98	SH		SOLE		0	0	98
BOEING CO	COM	097023105	168,584	885	SH		SOLE		0	0	885
BRISTOL-MYERS SQUIBB	COM	110122108	84,182	1,170	SH		SOLE		0	0	1,170
BROADCOM INC	COM	11135F101	20,688	37	SH		SOLE		0	0	37
BROOKFIELD ASSET MANAG	CL A EXCH LT VTG	G16169107	16,199	565	SH		SOLE		0	0	565
BROOKFIELD BUSINESS CO	CL A EXC SUB VTG	11259V106	282	15	SH		SOLE		0	0	15
BROOKFIELD BUSINESS P LP	UNIT LTD L P	G16234109	509	30	SH		SOLE		0	0	30
BROOKFIELD CORP	CL A LTD VT SH	11271J107	70,785	2,250	SH		SOLE		0	0	2,250
BROOKFIELD REINSURANCE	CL A EXCH LT VTG	G16169107	469	15	SH		SOLE		0	0	15
CANOPY GROWTH CORP	COM	138035100	781	338	SH		SOLE		0	0	338
CARMAX INC	COM	143130102	752,296	12,355	SH		SOLE		0	0	12,355
CATERPILLAR INC	COM	149123101	2,396	10	SH		SOLE		0	0	10
CHARLES SCHWAB CORP	COM	808513105	4,274,942	51,344	SH		SOLE		0	0	51,344
CHECK PT SOFTWARE	ORD	M22465104	37,848	300	SH		SOLE		0	0	300
CHEVRON CORP	COM	166764100	126,181	703	SH		SOLE		0	0	703
CHOICE HOTELS INTL	COM	169905106	1,046,994	9,295	SH		SOLE		0	0	9,295
CHUBB LTD	COM	H1467J104	2,885,889	13,082	SH		SOLE		0	0	13,082
CIRRUS LOGIC INC	COM	172755100	22,344	300	SH		SOLE		0	0	300
CISCO SYSTEMS INC	COM	17275R102	14,340	301	SH		SOLE		0	0	301
CITIGROUP INC	COM NEW	172967424	50,567	1,118	SH		SOLE		0	0	1,118
COLGATE-PALMOLIVE CO	COM	194162103	92,263	1,171	SH		SOLE		0	0	1,171
COMCAST CORP NEW	CL A	20030N101	1,733,113	49,560	SH		SOLE		0	0	49,560
CORTEVA INC	COM	22052L104	3,879	66	SH		SOLE		0	0	66
COSTCO WHOLESALE CO	COM	22160K105	1,576,751	3,454	SH		SOLE		0	0	3,454
CROWDSTRIKE HLDGS INC	CL A	22788C105	5,265	50	SH		SOLE		0	0	50
DELTA AIR LINES INC DEL	COM NEW	247361702	1,077,775	32,799	SH		SOLE		0	0	32,799
DEXCOM INC	COM	252131107	11,324	100	SH		SOLE		0	0	100
DIAMONDBACK ENERGY	COM	25278X109	547	4	SH		SOLE		0	0	4
DOMINION ENERGY INC	COM	25746U109	53,042	865	SH		SOLE		0	0	865
DOW INC	COM	260557103	3,326	66	SH		SOLE		0	0	66
DRAFTKINGS INC NEW	COM CL A	26142V105	1,811	159	SH		SOLE		0	0	159
DUKE ENERGY CORP	COM NEW	26441C204	85,135	826	SH		SOLE		0	0	826
DUPONT DE NEMOURS INC IA	COM	26614N102	4,530	66	SH		SOLE		0	0	66
EDWARDS LIFESCIENCES	COM	28176E108	44,766	600	SH		SOLE		0	0	600
EMERSON ELECTRIC CO	COM	291011104	9,606	100	SH		SOLE		0	0	100
ENBRIDGE INC	COM	29250N105	69,794	1,785	SH		SOLE		0	0	1,785
ENSTAR GROUP LTD	SHS	G3075P101	66,077	286	SH		SOLE		0	0	286
ENTERPRISE PRODS PART LP	COM	293792107	2,364	98	SH		SOLE		0	0	98
FEDEX CORP	COM	31428X106	202,817	1,171	SH		SOLE		0	0	1,171
FIDELITY INTERNATIONAL MULTIFACT ETF	METAVERSE ETF	316092535	14,345	593	SH		SOLE		0	0	593
GARTNER INC	COM	366651107	14,454	43	SH		SOLE		0	0	43
GENERAL DYNAMICS CO	COM	369550108	2,196,270	8,852	SH		SOLE		0	0	8,852
GENERAL ELECTRIC CO	COM	369604301	1,065,333	12,714	SH		SOLE		0	0	12,714
GENERAL MILLS INC	COM	370334104	114,875	1,370	SH		SOLE		0	0	1,370
GENERAL MOTORS CO	COM	37045V100	8,915	265	SH		SOLE		0	0	265
GILEAD SCIENCES INC	COM	375558103	25,755	300	SH		SOLE		0	0	300
GLOBE LIFE INC	COM	37959E102	27,124	225	SH		SOLE		0	0	225
GOLDMAN SACHS GROUP	COM	38141G104	47,730	139	SH		SOLE		0	0	139
GSK PLC ADR FSPONSORED ADR	SPONSORED ADR	37733W204	16,867	480	SH		SOLE		0	0	480
HALEON PLC FSPONSORED ADR	SPON ADS	405552100	4,800	600	SH		SOLE		0	0	600
HARLEY DAVIDSON INC	COM	412822108	5,408	130	SH		SOLE		0	0	130
HOME DEPOT INC	COM	437076102	747,956	2,368	SH		SOLE		0	0	2,368
HONEYWELL INTL INC	COM	438516106	2,498,099	11,657	SH		SOLE		0	0	11,657
HORMEL FOODS CORP	COM	440452100	33,160	728	SH		SOLE		0	0	728
IDEXX LABS INC	COM	45168D104	11,015	27	SH		SOLE		0	0	27
INDEPENDENCE REALTY REIT	COM	45378A106	659,192	39,098	SH		SOLE		0	0	39,098
INNOVATIVE INDUSTRIAL PRREIT	COM	45781V101	203	2	SH		SOLE		0	0	2
INVSC QQQ TRUST SRS 1 ETF	UNIT SER 1	46090E103	297,701	1,118	SH		SOLE		0	0	1,118
IQVIA HOLDINGS INC	COM	46266C105	3,450,757	16,842	SH		SOLE		0	0	16,842
ISHARES BIOTECHNOLOGY ETF	ISHARES BIOTECH	464287556	84,288	642	SH		SOLE		0	0	642
ISHARES CORE S&P 500 ETF	CORE S&P 500 ETF	464287200	731,920	1,905	SH		SOLE		0	0	1,905
ISHARES CORE S&P MID-CAPETF	CORE S&P MCP ETF	464287507	551,025	2,278	SH		SOLE		0	0	2,278
ISHARES CORE S&P SMALL CAP ETF	CORE S&P SCP ETF	464287804	162,875	1,721	SH		SOLE		0	0	1,721
ISHARES CORE US AGGREGATE BOND ETF	CORE US AGGBD ETF	464287226	7,662	79	SH		SOLE		0	0	79
ISHARES MSCI CHINA ETF	CHINA SM-CAP ETF	46429B671	95	2	SH		SOLE		0	0	2
ISHARES MSCI EAFE ETF	MSCI EAFE ETF	464287465	4,201	64	SH		SOLE		0	0	64
ISHARES RUSSELL 1000 GROWTH ETF	RUS 1000 GRW ETF	464287614	7,498	35	SH		SOLE		0	0	35
ISHARES S&P 500 GROWTH ETF	S&P 500 GRWT ETF	464287309	417,398	7,135	SH		SOLE		0	0	7,135
ISHARES S&P 500 VALUE ETF	S&P 500 VAL ETF	464287408	369,203	2,545	SH		SOLE		0	0	2,545
ISHARES S&P SMALL CAP 600 ETF	SP SMCP600VL ETF	464287879	118,155	1,294	SH		SOLE		0	0	1,294
ISHARES S&P SMLL CAP 600GRTH ETF	S&P SML 600 GWT	464287887	152,487	1,411	SH		SOLE		0	0	1,411
ISHARES SELECT DIVIDEND ETF	SELECT DIVIDEND ETF	464287168	120,600	1,000	SH		SOLE		0	0	1,000
JOHNSON & JOHNSON	COM	478160104	2,672,869	15,130	SH		SOLE		0	0	15,130
JPMORGAN CHASE & CO	COM	46625H100	3,255,009	24,273	SH		SOLE		0	0	24,273
LAB CO OF AMER HLDG	COM NEW	50540R409	1,165,626	4,950	SH		SOLE		0	0	4,950
LILLY ELI & CO	COM	532457108	1,093,496	2,989	SH		SOLE		0	0	2,989
LOWES COMPANIES INC	COM	548661107	225,540	1,132	SH		SOLE		0	0	1,132
LPL FINL HLDGS	COM	50212V100	4,972	23	SH		SOLE		0	0	23
LULULEMON ATHLETICA	COM	550021109	8,971	28	SH		SOLE		0	0	28
MASTERCARD INC	CL A	57636Q104	4,651,665	13,377	SH		SOLE		0	0	13,377
MATCH GROUP INC NEW	COM	57667L107	5,892	142	SH		SOLE		0	0	142
MCDONALDS CORP	COM	580135101	6,282	23	SH		SOLE		0	0	23
MEDTRONIC PLC	SHS	G5960L103	8,471	109	SH		SOLE		0	0	109
MERCADOLIBRE INC	COM	58733R102	8,462	10	SH		SOLE		0	0	10
MERCK & CO. INC.	COM	58933Y105	273,159	2,462	SH		SOLE		0	0	2,462
META PLATFORMS INC	CL A	30303M102	1,049,485	8,721	SH		SOLE		0	0	8,721
MFA FINL, INC. REIT	NOTE	55272X607	1,162	118	SH		SOLE		0	0	118
MICRON TECHNOLOGY	COM	595112103	50	1	SH		SOLE		0	0	1
MICROSOFT CORP	COM	594918104	6,386,649	26,631	SH		SOLE		0	0	26,631
MODERNA INC	COM	60770K107	180	1	SH		SOLE		0	0	1
MOHAWK INDUSTRIES	COM	608190104	89,443	875	SH		SOLE		0	0	875
MONDELEZ INTL	CL A	609207105	107,107	1,607	SH		SOLE		0	0	1,607
MR COOPER GROUP INC	COM	62482R107	40	1	SH		SOLE		0	0	1
MURPHY USA INC	COM	626755102	17,052	61	SH		SOLE		0	0	61
NIKE INC	CL B	654106103	192,900	1,648	SH		SOLE		0	0	1,648
NOVARTIS AG FSPONSORED ADR	SPONSORED ADR	66987V109	165,564	1,825	SH		SOLE		0	0	1,825
NOVO-NORDISK A S FSPONSORED ADR	ADR	670100205	29,233	216	SH		SOLE		0	0	216
NUVEEN MUNICIPAL VALUE C	COM	670928100	34,013	3,955	SH		SOLE		0	0	3,955
NVIDIA CORP	COM	67066G104	1,828,358	12,511	SH		SOLE		0	0	12,511
O REILLY AUTOMOTIVE	COM	67103H107	13,504	16	SH		SOLE		0	0	16
OCCIDENTAL PETROL CO	COM	674599105	13,984	222	SH		SOLE		0	0	222
ORACLE CORP	COM	68389X105	26,402	323	SH		SOLE		0	0	323
ORGANON & CO	COMMON STOCK	68622V106	5,726	205	SH		SOLE		0	0	205
ORION OFFICE REIT INC REIT	COM	68629Y103	427	50	SH		SOLE		0	0	50
PALO ALTO NETWORKS	COM	697435105	227,729	1,632	SH		SOLE		0	0	1,632
PAYPAL HOLDINGS INCORPOR	COM	70450Y103	1,584,431	22,247	SH		SOLE		0	0	22,247
PELOTON INTERACTIVE INC	CL A COM	70614W100	2,128	268	SH		SOLE		0	0	268
PENN ENTMT INC	COM	707569109	10,098	340	SH		SOLE		0	0	340
PEPSICO INC	COM	713448108	15,898	88	SH		SOLE		0	0	88
PERFORMANCE FOOD GROUP C	COM	71377A103	29,195	500	SH		SOLE		0	0	500
PFIZER INC	COM	717081103	3,385,734	66,076	SH		SOLE		0	0	66,076
PHILIP MORRIS INTL	COM	718172109	1,983,210	19,595	SH		SOLE		0	0	19,595
PNC FINL SERVICES	COM	693475105	77,075	488	SH		SOLE		0	0	488
PROCTER & GAMBLE	COM	742718109	1,535,606	10,132	SH		SOLE		0	0	10,132
PROLOGIS INC. REIT	COM	74340W103	113	1	SH		SOLE		0	0	1
PRUDENTIAL FINL	COM	744320102	9,946	100	SH		SOLE		0	0	100
REALTY INCOME CORP REIT	COM	756109104	82,459	1,300	SH		SOLE		0	0	1,300
REVOLVE GROUP INC	CL A	76156B107	6,255	281	SH		SOLE		0	0	281
ROBLOX CORP	CL A	771049103	285	10	SH		SOLE		0	0	10
SALESFORCE INC	COM	79466L302	1,287,847	9,713	SH		SOLE		0	0	9,713
SEA LTD FUNSPONSORED ADR	SPONSORD ADS	81141R100	6,035	116	SH		SOLE		0	0	116
SELECT SECTOR HEALTH CARE SPDR ETF	SBI HEALTHCARE	81369Y209	19,291	142	SH		SOLE		0	0	142
SELECT STR FINANCIAL SELECT SPDR ETF	FINANCIAL	81369Y605	16,279	476	SH		SOLE		0	0	476
SERVICE NOW INC	COM	81762P102	19,025	49	SH		SOLE		0	0	49
SHOPIFY INC	CL A	82509L107	7,636	220	SH		SOLE		0	0	220
SNOWFLAKE INC	CL A	833445109	431	3	SH		SOLE		0	0	3
SOFI TECHNOLOGIES INC	NOTE	83406F102	2,065	448	SH		SOLE		0	0	448
SOLAREDGE TECH	COM	83417M104	10,764	38	SH		SOLE		0	0	38
SPDR FUND CONSUMER DISCRE SELECT ETF	SBI CONS DISCR	81369Y407	12,141	94	SH		SOLE		0	0	94
SPDR INDEX SHARES EMERG MARKT ETF	PORTFOLIO EMG MK	78463X509	4,713	143	SH		SOLE		0	0	143
SPDR PORTFOLIO DVLPD WRLD EX-US ETF	PORTFOLIO DEVLPD	78463X889	9,798	330	SH		SOLE		0	0	330
SPDR S&P 500 ETF	SPDR S&P 500 ETF	78468R796	2,037,587	5,328	SH		SOLE		0	0	5,328
SPDR S&P DIVIDEND ETF	S&P DIVID ETF	78464A763	153,510	1,227	SH		SOLE		0	0	1,227
SPDR S&P MIDCAP 400 ETF	UTSER1 S&PDCRP	78467Y107	375,043	847	SH		SOLE		0	0	847
STARBUCKS CORP	COM	855244109	2,592,843	26,137	SH		SOLE		0	0	26,137
STATE STREET CORP	COM	857477103	11,015	142	SH		SOLE		0	0	142
SYNOVUS FINL CO	COM	871607107	214,673	5,717	SH		SOLE		0	0	5,717
TAIWAN SEMICONDUCTR FSPONSORED ADR	SPONSORED ADR	874039100	930,380	12,490	SH		SOLE		0	0	12,490
TECHNOLOGY SELECT SECTORSPDR ETF	TECHNOLOGY	81369Y803	26,381	212	SH		SOLE		0	0	212
THE COCA-COLA CO	COM	191216100	214,811	3,377	SH		SOLE		0	0	3,377
TORONTO DOMINION BANK F	COM NEW	891160509	43,195	667	SH		SOLE		0	0	667
TRUIST FINL CORP	COM	89832Q109	203,771	4,735	SH		SOLE		0	0	4,735
UBER TECHNOLOGIES INC	COM	90353T100	1,191,368	48,175	SH		SOLE		0	0	48,175
UNITED PARCEL SRVC	CL B	911312106	17,384	100	SH		SOLE		0	0	100
UNITEDHEALTH GRP INC	COM	91324P102	3,382,018	6,379	SH		SOLE		0	0	6,379
VANGUARD ENERGY ETF	ENERGY ETF	92204A306	480,875	3,965	SH		SOLE		0	0	3,965
VANGUARD FTSE ALL WORLD EX US ETF	ALLWRLD EX US ETF	922042775	464,046	9,255	SH		SOLE		0	0	9,255
VANGUARD FTSE DEVELOPED MARKETS ETF	VAN FTSE DEV MKT	921943858	7,748	184	SH		SOLE		0	0	184
VANGUARD MID CAP ETF	MID CAP ETF	922908629	7,949	39	SH		SOLE		0	0	39
VANGUARD S&P 500 ETF	S&P 500 ETF SHS	922908363	33,036,472	94,029	SH		SOLE		0	0	94,029
VANGUARD SHORT-TERM BONDETF	SHORT TRM BOND	921937827	74,602	991	SH		SOLE	��	0	0	991
VANGUARD SMALL CAP ETF	SMALL CP ETF	922908751	3,785,609	20,625	SH		SOLE		0	0	20,625
VANGUARD TOTAL BOND MARKET ETF	TOTAL BND MKT	921937835	4,173,617	58,096	SH		SOLE		0	0	58,096
VANGUARD TOTAL INTERNATIONAL BND ETF	TOTAL INT BD ETF	92203J407	60,616	1,278	SH		SOLE		0	0	1,278
VANGUARD TOTAL INTERNATIONAL STOCK E	VG TL INTL STK F	921909768	2,488,027	48,105	SH		SOLE		0	0	48,105
VANGUARD TOTAL STOCK MARKET ETF	TOTAL STK MKT	922908769	2,677	14	SH		SOLE		0	0	14
VANGUARD VALUE ETF	VALUE ETF	922908744	8,141	58	SH		SOLE		0	0	58
VERIZON COMMUNICATN	COM	92343V104	3,940	100	SH		SOLE		0	0	100
VISA INC	COM CL A	92826C839	3,974,501	19,130	SH		SOLE		0	0	19,130
VIATRIS INC	COM	92556V106	223	20	SH		SOLE		0	0	20
VIRGIN GALACTIC HLDGS INCLASS	COM	92766K106	70	20	SH		SOLE		0	0	20
WABTEC	COM	929740108	599	6	SH		SOLE		0	0	6
WALGREENS BOOTS ALLI	COM	931427108	37	1	SH		SOLE		0	0	1
WALMART INC	COM	931142103	18,415	129	SH		SOLE		0	0	129
WALT DISNEY CO	COM	254687106	1,092,709	12,577	SH		SOLE		0	0	12,577
WELLS FARGO & CO	COM NEW	949746101	50,580	1,225	SH		SOLE		0	0	1,225
WOLFSPEED INC	COM	977852102	4,557	66	SH		SOLE		0	0	66
WORKDAY INC	CL A	98138H101	34,972	209	SH		SOLE		0	0	209
XERIS PHARMACEUTICALS IN	COM NEW	98421M106	536	403	SH		SOLE		0	0	403
ZETA GLOBAL HOLDINGS COR	CL A	98956A105	361,612	44,261	SH		SOLE		0	0	44,261
ZIMMER BIOMET HLDGS	COM	98956P102	38,250	300	SH		SOLE		0	0	300
ZIMVIE INC	COM	98888T107	280	30	SH		SOLE		0	0	30
ZOETIS INC	CL A	98978V103	15,827	108	SH		SOLE		0	0	108
ZOOM VIDEO COMMUNICATIONCLASS	CL A	98980L101	6,774	100	SH		SOLE		0	0	100