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
ABBOTT LABORATORIES	COM	002824100	89,919	888	SH		SOLE		0	0	888
ABBVIE INC	COM	00287Y109	190,128	1,193	SH		SOLE		0	0	1,193
ACCENTURE PLC	SHS Class A	G1151C101	27,724	97	SH		SOLE		0	0	97
ADOBE INC	COM	00724F101	1,388,103	3,602	SH		SOLE		0	0	3,602
ADVANCED MICRO DEVICES I	COM	007903107	87,229	890	SH		SOLE		0	0	890
AIR PROD & CHEMICALS	COM	009158106	53,134	185	SH		SOLE		0	0	185
ALCOA CORP	COM	013872106	43,369	1,019	SH		SOLE		0	0	1,019
ALLBIRDS INC	COM	01675A109	365	304	SH		SOLE		0	0	304
ALPHABET INC.	CAP STK CL A	02079K305	4,391,617	42,337	SH		SOLE		0	0	42,337
ALPHABET INC.	CAP STK CL C	02079K107	401,440	3,860	SH		SOLE		0	0	3,860
ALTRIA GROUP INC	COM	02209S103	53,410	1,197	SH		SOLE		0	0	1,197
AMAZON.COM INC	COM	023135106	4,199,255	40,655	SH		SOLE		0	0	40,655
AMGEN INC.	COM	031162100	146,017	604	SH		SOLE		0	0	604
APPLE INC	COM	037833100	14,209,606	86,171	SH		SOLE		0	0	86,171
ASML HOLDING N V FSPONSORED ADR	N Y REGISTRY SHS	N07059210	1,579,928	2,321	SH		SOLE		0	0	2,321
ATLASSIAN CORP	CL A	G06242104	7,703	45	SH		SOLE		0	0	45
AUTODESK INC	COM	052769106	20,192	97	SH		SOLE		0	0	97
BALL CORP	COM	058498106	55	1	SH		SOLE		0	0	1
BANK OF AMERICA CORP	COM	060505104	133,305	4,661	SH		SOLE		0	0	4,661
BECTON DICKINSON&CO	COM	075887109	2,090,228	8,444	SH		SOLE		0	0	8,444
BERKSHIRE HATHAWAY	CL B NEW	084670702	2,304,968	7,465	SH		SOLE		0	0	7,465
BLACKROCK INC	COM	09247X101	3,450,583	5,156	SH		SOLE		0	0	5,156
BLACKSTONE MTG TR REIT	COM CL A	09257W100	89	5	SH		SOLE		0	0	5
BLOCK INC	CL A	852234103	6,728	98	SH		SOLE		0	0	98
BOEING CO	COM	097023105	188,001	885	SH		SOLE		0	0	885
BRISTOL-MYERS SQUIBB	COM	110122108	81,093	1,170	SH		SOLE		0	0	1,170
BROADCOM INC	COM	11135F101	23,737	37	SH		SOLE		0	0	37
BROOKFIELD ASSET MANAG	CL A EXCH LT VTG	G16169107	18,487	565	SH		SOLE		0	0	565
BROOKFIELD BUSINESS CO	CL A EXC SUB VTG	11259V106	297	15	SH		SOLE		0	0	15
BROOKFIELD BUSINESS P LP	UNIT LTD L P	G16234109	559	30	SH		SOLE		0	0	30
BROOKFIELD CORP	CL A LTD VT SH	11271J107	73,328	2,250	SH		SOLE		0	0	2,250
BROOKFIELD REINSURANCE	CL A EXCH LT VTG	G16169107	495	15	SH		SOLE		0	0	15
CANOPY GROWTH CORP	COM	138035100	592	338	SH		SOLE		0	0	338
CARMAX INC	COM	143130102	1,228,519	19,112	SH		SOLE		0	0	19,112
CATERPILLAR INC	COM	149123101	2,288	10	SH		SOLE		0	0	10
CELSIUS HOLDINGS INC	COM NEW	15118V207	93	1	SH		SOLE		0	0	1
CHARLES SCHWAB CORP	COM	808513105	2,685,808	51,275	SH		SOLE		0	0	51,275
CHECK PT SOFTWARE	ORD	M22465104	39,000	300	SH		SOLE		0	0	300
CHEVRON CORP	COM	166764100	114,701	703	SH		SOLE		0	0	703
CHOICE HOTELS INTL	COM	169905106	1,162,765	9,922	SH		SOLE		0	0	9,922
CHUBB LTD	COM	H1467J104	2,528,418	13,021	SH		SOLE		0	0	13,021
CIRRUS LOGIC INC	COM	172755100	32,814	300	SH		SOLE		0	0	300
CISCO SYSTEMS INC	COM	17275R102	15,735	301	SH		SOLE		0	0	301
CITIGROUP INC	COM NEW	172967424	51,954	1,108	SH		SOLE		0	0	1,108
COLGATE-PALMOLIVE CO	COM	194162103	88,001	1,171	SH		SOLE		0	0	1,171
COMCAST CORP	CL A	20030N101	2,311,752	60,980	SH		SOLE		0	0	60,980
CORTEVA INC	COM	22052L104	3,980	66	SH		SOLE		0	0	66
COSTCO WHOLESALE CO	COM	22160K105	2,183,744	4,395	SH		SOLE		0	0	4,395
CROWDSTRIKE HLDGS INC	CL A	22788C105	6,863	50	SH		SOLE		0	0	50
DELTA AIR LINES INC DEL	COM NEW	247361702	1,186,512	33,978	SH		SOLE		0	0	33,978
DEXCOM INC	COM	252131107	11,618	100	SH		SOLE		0	0	100
DIAMONDBACK ENERGY	COM	25278X109	541	4	SH		SOLE		0	0	4
DOMINION ENERGY INC	COM	25746U109	48,362	865	SH		SOLE		0	0	865
DOW INC	COM	260557103	3,618	66	SH		SOLE		0	0	66
DRAFTKINGS INC NEW	COM CL A	26142V105	3,214	166	SH		SOLE		0	0	166
DUKE ENERGY CORP	COM NEW	26441C204	56,207	582	SH		SOLE		0	0	582
DUPONT DE NEMOURS INC IA	COM	26614N102	4,737	66	SH		SOLE		0	0	66
EDWARDS LIFESCIENCES	COM	28176E108	49,638	600	SH		SOLE		0	0	600
EMERSON ELECTRIC CO	COM	291011104	8,714	100	SH		SOLE		0	0	100
ENBRIDGE INC	COM	29250N105	39,867	1,045	SH		SOLE		0	0	1,045
ENSTAR GROUP LTD	SHS	G3075P101	65,597	283	SH		SOLE		0	0	283
ENTERPRISE PRODS PART LP	COM	293792107	2,538	98	SH		SOLE		0	0	98
FEDEX CORP	COM	31428X106	267,562	1,171	SH		SOLE		0	0	1,171
FISERV INC	COM	337738108	1,999,727	17,692	SH		SOLE		0	0	17,692
FLEX LNG LTD	SHS	G35947202	101	3	SH		SOLE		0	0	3
GARTNER INC	COM	366651107	14,008	43	SH		SOLE		0	0	43
GE HEALTHCARE TECHNOLOGI	COMMON STOCK	36266G107	343,049	4,182	SH		SOLE		0	0	4,182
GENERAL DYNAMICS CO	COM	369550108	2,009,389	8,805	SH		SOLE		0	0	8,805
GENERAL ELECTRIC CO	COM	369604301	1,231,557	12,882	SH		SOLE		0	0	12,882
GENERAL MILLS INC	COM	370334104	117,080	1,370	SH		SOLE		0	0	1,370
GENERAL MOTORS CO	COM	37045V100	9,720	265	SH		SOLE		0	0	265
GILEAD SCIENCES INC	COM	375558103	24,891	300	SH		SOLE		0	0	300
GLOBE LIFE INC	COM	37959E102	24,755	225	SH		SOLE		0	0	225
GOLDMAN SACHS GROUP	COM	38141G104	45,468	139	SH		SOLE		0	0	139
HARLEY DAVIDSON INC	COM	412822108	4,957	130	SH		SOLE		0	0	130
HOME DEPOT INC	COM	437076102	698,844	2,368	SH		SOLE		0	0	2,368
HONEYWELL INTL INC	COM	438516106	4	1	SH		SOLE		0	0	1
HORMEL FOODS CORP	COM	440452100	29,033	728	SH		SOLE		0	0	728
IDEXX LABS INC	COM	45168D104	13,502	27	SH		SOLE		0	0	27
INDEPENDENCE REALTY REIT	COM	45378A106	610,711	38,098	SH		SOLE		0	0	38,098
INNOVATIVE INDUSTRIAL PRREIT	COM	45781V101	152	2	SH		SOLE		0	0	2
INTEL CORP	COM	458140100	1,634	50	SH		SOLE		0	0	50
INVSC QQQ TRUST SRS 1 ETF IV	UNIT SER 1	46090E103	358,800	1,118	SH		SOLE		0	0	1,118
IQVIA HOLDINGS INC	COM	46266C105	3,360,445	16,896	SH		SOLE		0	0	16,896
ISHARES BIOTECHNOLOGY ETF	ISHARES BIOTECH	464287556	82,921	642	SH		SOLE		0	0	642
ISHARES CORE S&P SMALL-CAP ETF	CORE S&P SCP ETF	464287804	166,421	1,721	SH		SOLE		0	0	1,721
ISHARES CORE S&P 500 ETF	CORE S&P 500 ETF	464287200	783,107	1,905	SH		SOLE		0	0	1,905
ISHARES CORE S&P MID-CAPETF	CORE S&P MCP ETF	464287507	569,864	2,278	SH		SOLE		0	0	2,278
ISHARES CORE US AGGREGATE BOND ETF	CORE US AGGBD ETF	464287226	7,872	79	SH		SOLE		0	0	79
ISHARES MSCI CHINA ETF	CHINA SM-CAP ETF	46429B671	100	2	SH		SOLE		0	0	2
ISHARES MSCI EAFE ETF	MSCI EAFE ETF	464287465	4,577	64	SH		SOLE		0	0	64
ISHARES RUSSELL 1000 GROWTH ETF	RUS 1000 GRW ETF	464287614	8,552	35	SH		SOLE		0	0	35
ISHARES S&P 500 GROWTH ETF	S&P 500 GRWT ETF	464287309	455,855	7,135	SH		SOLE		0	0	7,135
ISHARES S&P 500 VALUE ETF	S&P 500 VAL ETF	464287408	386,229	2,545	SH		SOLE		0	0	2,545
ISHARES S&P SMALL CAP 600 ETF	SP SMCP600VL ETF	464287879	121,105	1,294	SH		SOLE		0	0	1,294
ISHARES S&P SMLL CAP 600GRTH ETF	S&P SML 600 GWT	464287887	137,645	1,252	SH		SOLE		0	0	1,252
ISHARES SELECT DIVIDEND ETF	SELECT DIVIDEND ETF	464287168	117,180	1,000	SH		SOLE		0	0	1,000
JOHNSON & JOHNSON	COM	478160104	2,338,564	15,087	SH		SOLE		0	0	15,087
JPMORGAN CHASE & CO	COM	46625H100	3,264,656	25,053	SH		SOLE		0	0	25,053
LAB CO OF AMER HLDG	COM NEW	50540R409	1,354,725	5,905	SH		SOLE		0	0	5,905
LILLY ELI & CO	COM	532457108	1,026,482	2,989	SH		SOLE		0	0	2,989
LOWES COMPANIES INC	COM	548661107	226,366	1,132	SH		SOLE		0	0	1,132
LPL FINL HLDGS	COM	50212V100	4,655	23	SH		SOLE		0	0	23
LULULEMON ATHLETICA	COM	550021109	10,197	28	SH		SOLE		0	0	28
MASTERCARD INC	CL A	57636Q104	4,840,090	13,318	SH		SOLE		0	0	13,318
MATCH GROUP INC NEW	COM	57667L107	5,451	142	SH		SOLE		0	0	142
MCDONALDS CORP	COM	580135101	6,703	23	SH		SOLE		0	0	23
MEDTRONIC PLC	SHS	G5960L103	8,788	109	SH		SOLE		0	0	109
MERCADOLIBRE INC	COM	58733R102	13,181	10	SH		SOLE		0	0	10
MERCK & CO. INC.	COM	58933Y105	261,932	2,462	SH		SOLE		0	0	2,462
META PLATFORMS INC	CL A	30303M102	2,311,842	10,908	SH		SOLE		0	0	10,908
MFA FINL, INC. REIT	NOTE	55272X607	1,171	118	SH		SOLE		0	0	118
MICRON TECHNOLOGY	COM	595112103	60	1	SH		SOLE		0	0	1
MICROSOFT CORP	COM	594918104	7,636,505	26,488	SH		SOLE		0	0	26,488
MODERNA INC	COM	60770K107	154	1	SH		SOLE		0	0	1
MOHAWK INDUSTRIES	COM	608190104	87,693	875	SH		SOLE		0	0	875
MONDELEZ INTL	CL A	609207105	112,040	1,607	SH		SOLE		0	0	1,607
MR COOPER GROUP INC	COM	62482R107	41	1	SH		SOLE		0	0	1
MURPHY USA INC	COM	626755102	15,741	61	SH		SOLE		0	0	61
NIKE INC	CL B	654106103	202,181	1,648	SH		SOLE		0	0	1,648
NOVARTIS AG FSPONSORED ADR	SPONSORED ADR	66987V109	167,900	1,825	SH		SOLE		0	0	1,825
NOVO-NORDISK AS VORMAL FSPONSORED ADR	ADR	670100205	34,374	216	SH		SOLE		0	0	216
NUVEEN MUNICIPAL VALUE C	COM	670928100	34,844	3,955	SH		SOLE		0	0	3,955
NVIDIA CORP	COM	67066G104	3,776,561	13,596	SH		SOLE		0	0	13,596
O REILLY AUTOMOTIVE	COM	67103H107	13,584	16	SH		SOLE		0	0	16
OCCIDENTAL PETROL CO	COM	674599105	13,859	222	SH		SOLE		0	0	222
ORACLE CORP	COM	68389X105	30,013	323	SH		SOLE		0	0	323
ORGANON & CO	COMMON STOCK	68622V106	4,822	205	SH		SOLE		0	0	205
ORION OFFICE REIT INC REIT	COM	68629Y103	335	50	SH		SOLE		0	0	50
PALO ALTO NETWORKS	COM	697435105	325,976	1,632	SH		SOLE		0	0	1,632
PAYPAL HOLDINGS INCORPOR	COM	70450Y103	29,237	385	SH		SOLE		0	0	385
PELOTON INTERACTIVE INC	CL A COM	70614W100	2,948	260	SH		SOLE		0	0	260
PENN ENTMT INC	COM	707569109	10,084	340	SH		SOLE		0	0	340
PEPSICO INC	COM	713448108	16,042	88	SH		SOLE		0	0	88
PERFORMANCE FOOD GROUP C	COM	71377A103	30,170	500	SH		SOLE		0	0	500
PFIZER INC	COM	717081103	2,690,230	65,937	SH		SOLE		0	0	65,937
PHILIP MORRIS INTL	COM	718172109	1,894,333	19,479	SH		SOLE		0	0	19,479
PNC FINL SERVICES	COM	693475105	62,025	488	SH		SOLE		0	0	488
PROCTER & GAMBLE	COM	742718109	1,495,970	10,061	SH		SOLE		0	0	10,061
PROLOGIS INC. REIT	COM	74340W103	125	1	SH		SOLE		0	0	1
PRUDENTIAL FINL	COM	744320102	8,274	100	SH		SOLE		0	0	100
REALTY INCOME CORP REIT	COM	756109104	82,316	1,300	SH		SOLE		0	0	1,300
REVOLVE GROUP INC	CL A	76156B107	7,390	281	SH		SOLE		0	0	281
ROBLOX CORP	CL A	771049103	450	10	SH		SOLE		0	0	10
SALESFORCE INC	COM	79466L302	2,783,135	13,931	SH		SOLE		0	0	13,931
SEA LTD FUNSPONSORED ADR	SPONSORD ADS	81141R100	10,040	116	SH		SOLE		0	0	116
SELECT SECTOR HEALTH CARE SPDR ETF	SBI HEALTHCARE	81369Y209	18,383	142	SH		SOLE		0	0	142
SELECT STR FINANCIAL SELECT SPDR ETF	FINANCIAL	81369Y605	15,303	476	SH		SOLE		0	0	476
SERVICE NOW INC	COM	81762P102	22,771	49	SH		SOLE		0	0	49
SHOPIFY INC	CL A	82509L107	10,547	220	SH		SOLE		0	0	220
SNOWFLAKE INC	CL A	833445109	463	3	SH		SOLE		0	0	3
SOFI TECHNOLOGIES INC	NOTE	83406F102	2,719	448	SH		SOLE		0	0	448
SOLAREDGE TECH	COM	83417M104	11,550	38	SH		SOLE		0	0	38
SPDR FUND CONSUMER DISCRE SELECT ETF	SBI CONS DISCR	81369Y407	14,057	94	SH		SOLE		0	0	94
SPDR INDEX SHARES EMERG MARKT ETF	PORTFOLIO EMG MK	78463X509	4,881	143	SH		SOLE		0	0	143
SPDR PORTFOLIO DVLPD WRLD EX-US ETF	PORTFOLIO DEVLPD	78463X889	10,600	330	SH		SOLE		0	0	330
SPDR S&P 500 ETF	SPDR S&P 500 ETF	78468R796	1,484,039	3,625	SH		SOLE		0	0	3,625
SPDR S&P DIVIDEND ETF	S&P DIVID ETF	78464A763	151,792	1,227	SH		SOLE		0	0	1,227
SPDR S&P MIDCAP 400 ETF	UTSER1 S&PDCRP	78467Y107	388,273	847	SH		SOLE		0	0	847
STARBUCKS CORP	COM	855244109	2,769,529	26,596	SH		SOLE		0	0	26,596
STATE STREET CORP	COM	857477103	10,748	142	SH		SOLE		0	0	142
SYNOVUS FINL CO	COM	871607107	176,255	5,717	SH		SOLE		0	0	5,717
TAIWAN SEMICONDUCTR FSPONSORED ADR	SPONSORED ADR	874039100	744	8	SH		SOLE		0	0	8
TECHNOLOGY SELECT SECTORSPDR ETF	TECHNOLOGY	81369Y803	32,014	212	SH		SOLE		0	0	212
THE COCA-COLA CO	COM	191216100	209,475	3,377	SH		SOLE		0	0	3,377
TORONTO DOMINION BK SR F	COM NEW	891160509	39,953	667	SH		SOLE		0	0	667
TRUIST FINL CORP	COM	89832Q109	524,058	15,368	SH		SOLE		0	0	15,368
UBER TECHNOLOGIES INC	COM	90353T100	1,731,042	54,607	SH		SOLE		0	0	54,607
UNITED PARCEL SRVC	CL B	911312106	2,511,783	12,948	SH		SOLE		0	0	12,948
UNITED STATES NATURAL GAS ETV	UNIT PAR	912318300	451	65	SH		SOLE		0	0	65
UNITEDHEALTH GRP INC	COM	91324P102	3,008,981	6,367	SH		SOLE		0	0	6,367
VANGUARD ENERGY ETF	ENERGY ETF	92204A306	452,922	3,965	SH		SOLE		0	0	3,965
VANGUARD FTSE ALL WORLD EX US ETF	ALLWRLD EX US ETF	922042775	494,865	9,255	SH		SOLE		0	0	9,255
VANGUARD FTSE DEVELOPED MARKETS ETF	VAN FTSE DEV MKT	921943858	8,369	185	SH		SOLE		0	0	185
VANGUARD HIGH DIVIDEND YIELD ETF	HIGH DIV YLD	921946406	2,743	26	SH		SOLE		0	0	26
VANGUARD MID CAP ETF	MID CAP ETF	922908629	10,757	51	SH		SOLE		0	0	51
VANGUARD S&P 500 ETF	S&P 500 ETF SHS	922908363	30,993,729	82,414	SH		SOLE		0	0	82,414
VANGUARD SHORT-TERM BONDETF	SHORT TRM BOND	921937827	75,802	991	SH		SOLE		0	0	991
VANGUARD SMALL CAP ETF	SMALL CP ETF	922908751	1,678,948	8,857	SH		SOLE		0	0	8,857
VANGUARD TOTAL BOND MARKET ETF	TOTAL BND MKT	921937835	913,794	12,377	SH		SOLE		0	0	12,377
VANGUARD TOTAL INTERNATLBND ETF IV	TOTAL INT BD ETF	92203J407	62,520	1,278	SH		SOLE		0	0	1,278
VANGUARD TOTAL INTERNTL STOCK ETF IV	VG TL INTL STK F	921909768	1,072,609	19,427	SH		SOLE		0	0	19,427
VANGUARD TOTAL STOCK MARKET ETF	TOTAL STK MKT	922908769	2,857	14	SH		SOLE		0	0	14
VANGUARD VALUE ETF	VALUE ETF	922908744	8,010	58	SH		SOLE		0	0	58
VEEVA SYSTEMS INC	CL A COM	922475108	81,419	443	SH		SOLE		0	0	443
VERIZON COMMUNICATN	COM	92343V104	3,889	100	SH		SOLE		0	0	100
VISA INC	COM CL A	92826C839	4,307,142	19,103	SH		SOLE		0	0	19,103
VIATRIS INC	COM	92556V106	192	20	SH		SOLE		0	0	20
VIRGIN GALACTIC HLDGS INCLASS	COM	92766K106	81	20	SH		SOLE		0	0	20
WABTEC	COM	929740108	606	6	SH		SOLE		0	0	6
WALGREENS BOOTS ALLI	COM	931427108	35	1	SH		SOLE		0	0	1
WALMART INC	COM	931142103	19,194	130	SH		SOLE		0	0	130
WALT DISNEY CO	COM	254687106	1,681,205	16,790	SH		SOLE		0	0	16,790
WELLS FARGO & CO	COM NEW	949746101	45,791	1,225	SH		SOLE		0	0	1,225
WOLFSPEED INC	COM	977852102	4,287	66	SH		SOLE		0	0	66
WORKDAY INC	CL A	98138H101	43,167	209	SH		SOLE		0	0	209
XERIS PHARMACEUTICALS IN	COM NEW	98421M106	657	403	SH		SOLE		0	0	403
ZETA GLOBAL HOLDINGS COR	CL A	98956A105	239,668	22,130	SH		SOLE		0	0	22,130
ZIMMER BIOMET HLDGS	COM	98956P102	38,760	300	SH		SOLE		0	0	300
ZIMVIE INC	COM	98888T107	217	30	SH		SOLE		0	0	30
ZOETIS INC	CL A	98978V103	17,976	108	SH		SOLE		0	0	108
ZOOM VIDEO COMMUNICATIONCLASS	CL A	98980L101	7,384	100	SH		SOLE		0	0	100