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	1,226	12	SH		SOLE		0	0	12
A T & T INC	COM	00206R102	13,636	714	SH		SOLE		0	0	714
ABBOTT LABORATORIES	COM	002824100	92,272	888	SH		SOLE		0	0	888
ABBVIE INC	COM	00287Y109	204,623	1,193	SH		SOLE		0	0	1,193
ACCENTURE PLC	SHS CLASS A	G1151C101	29,431	97	SH		SOLE		0	0	97
ADOBE INC	COM	00724F101	2,474,931	4,455	SH		SOLE		0	0	4,455
AIR PROD & CHEMICALS	COM	009158106	47,739	185	SH		SOLE		0	0	185
ALCOA CORP	COM	013872106	40,536	1,019	SH		SOLE		0	0	1,019
ALLBIRDS INC	COM	01675A109	152	304	SH		SOLE		0	0	304
ALPHABET INC.	CAP STK CL A	02079K305	7,761,478	42,610	SH		SOLE		0	0	42,610
ALPHABET INC.	CAP STK CL C	02079K107	713,687	3,891	SH		SOLE		0	0	3,891
ALTRIA GROUP INC	COM	02209S103	54,523	1,197	SH		SOLE		0	0	1,197
AMAZON.COM INC	COM	023135106	8,068,381	41,751	SH		SOLE		0	0	41,751
AMERICAN EXPRESS CO	COM	025816109	22,229	96	SH		SOLE		0	0	96
AMGEN INC.	COM	031162100	188,720	604	SH		SOLE		0	0	604
APPLE INC	COM	037833100	17,845,159	84,727	SH		SOLE		0	0	84,727
ARCHER-DANIELS-MIDLN	COM	039483102	2,055,300	34,000	SH		SOLE		0	0	34,000
ARISTA NETWORKS INC	COM	040413106	112,154	320	SH		SOLE		0	0	320
ASML HOLDING N V FSPONSORED ADR	N Y REGISTERY SHS	N07059210	4,452,966	4,354	SH		SOLE		0	0	4,354
ATLASSIAN CORP	CL A	G06242104	7,960	45	SH		SOLE		0	0	45
ATMUS FILTRATION TECHNOL	COM	04956D107	23,542	818	SH		SOLE		0	0	818
AUTODESK INC	COM	052769106	24,003	97	SH		SOLE		0	0	97
AXOS FINL INC	COM	05465C100	28,804	504	SH		SOLE		0	0	504
BAKER HUGHES CO.	CL A	05722G100	10,111	287	SH		SOLE		0	0	287
BANK OF AMERICA CORP	COM	060505104	191,135	4,806	SH		SOLE		0	0	4,806
BERKSHIRE HATHAWAY	CL B NEW	084670702	2,837,430	6,975	SH		SOLE		0	0	6,975
BLACKROCK INC	COM	09247X101	4,123,399	5,237	SH		SOLE		0	0	5,237
BLOCK INC	CL A	852234103	6,320	98	SH		SOLE		0	0	98
BOEING CO	COM	097023105	161,079	885	SH		SOLE		0	0	885
BROADCOM INC	COM	11135F101	146,103	91	SH		SOLE		0	0	91
BROOKFIELD ASSET MGMT	CL A EXCH LT VTG	G16169107	21,498	565	SH		SOLE		0	0	565
BROOKFIELD BUSINESS CO	CL A EXC SUB VTG	11259V106	306	15	SH		SOLE		0	0	15
BROOKFIELD BUSINESS P LP	UNIT LTD L P	G16234109	566	30	SH		SOLE		0	0	30
BROOKFIELD CORP	CL A LTD VT SH	11271J107	93,465	2,250	SH		SOLE		0	0	2,250
BROOKFIELD REINSURANCE	CL A EXCH LT VTG	G16169107	624	15	SH		SOLE		0	0	15
CANOPY GROWTH CORP	COM	138035100	32	5	SH		SOLE		0	0	5
CARMAX INC	COM	143130102	1,723,417	23,499	SH		SOLE		0	0	23,499
CATERPILLAR INC	COM	149123101	11,742	35	SH		SOLE		0	0	35
CELSIUS HOLDINGS INC	COM NEW	15118V207	400	7	SH		SOLE		0	0	7
CHARLES SCHWAB CORP	COM	808513105	4,565,191	61,951	SH		SOLE		0	0	61,951
CHECK PT SOFTWARE	ORD	M22465104	49,500	300	SH		SOLE		0	0	300
CHEVRON CORP	COM	166764100	109,963	703	SH		SOLE		0	0	703
CHOICE HOTELS INTL	COM	169905106	951,767	7,998	SH		SOLE		0	0	7,998
CHUBB LTD	COM	H1467J104	3,451,743	13,532	SH		SOLE		0	0	13,532
CIRRUS LOGIC INC	COM	172755100	38,298	300	SH		SOLE		0	0	300
CISCO SYSTEMS INC	COM	17275R102	14,301	301	SH		SOLE		0	0	301
CITIGROUP INC	COM NEW	172967424	70,314	1,108	SH		SOLE		0	0	1,108
COMCAST CORP	CL A	20030N101	2,224,640	56,809	SH		SOLE		0	0	56,809
CONOCOPHILLIPS	COM	20825C104	8,457	74	SH		SOLE		0	0	74
CORNING INC	COM	219350105	19,425	500	SH		SOLE		0	0	500
CORTEVA INC	COM	22052L104	3,560	66	SH		SOLE		0	0	66
COSTCO WHOLESALE CO	COM	22160K105	3,843,821	4,522	SH		SOLE		0	0	4,522
CRH PUBLIC LIMITED CO	ADR	12626K203	14,996	200	SH		SOLE		0	0	200
CROWDSTRIKE HLDGS INC	CL A	22788C105	19,160	50	SH		SOLE		0	0	50
CSX CORP	COM	126408103	4,147	124	SH		SOLE		0	0	124
DANAHER CORP	COM	235851102	1,264,241	5,060	SH		SOLE		0	0	5,060
DELL TECHNOLOGIES INC	CL C	24703L202	27,582	200	SH		SOLE		0	0	200
DELTA AIR LINES INC DEL	COM N EW	247361702	26,234	553	SH		SOLE		0	0	553
DEXCOM INC	COM	252131107	11,338	100	SH		SOLE		0	0	100
DOW INC	COM	260557103	3,501	66	SH		SOLE		0	0	66
DRAFTKINGS INC NEW	COM CL A	26142V105	13,092	343	SH		SOLE		0	0	343
DUKE ENERGY CORP	COM NEW	26441C204	61,573	614	SH		SOLE		0	0	614
DUPONT DE NEMOURS INC IA	COM	26614N102	5,312	66	SH		SOLE		0	0	66
EDWARDS LIFESCIENCES	COM	28176E108	55,422	600	SH		SOLE		0	0	600
ENSTAR GROUP LTD	SHS	G3075P101	83,456	273	SH		SOLE		0	0	273
ENTERPRISE PRODS PART LP	COM	293792107	2,840	98	SH		SOLE		0	0	98
FEDEX CORP	COM	31428X106	351,113	1,171	SH		SOLE		0	0	1,171
FISERV INC	COM	337738108	2,929,828	19,658	SH		SOLE		0	0	19,658
GARTNER INC	COM	366651107	19,310	43	SH		SOLE		0	0	43
GENERAL DYNAMICS CO	COM	369550108	2,720,063	9,375	SH		SOLE		0	0	9,375
GE AEROSPACE	COM	369604301	2,286,148	14,381	SH		SOLE		0	0	14,381
GE VERNOVA INC	COM	36828A101	616,407	3,594	SH		SOLE		0	0	3,594
GENERAL MILLS INC	COM	370334104	86,666	1,370	SH		SOLE		0	0	1,370
GENERAL MOTORS CO	COM	37045V100	12,312	265	SH		SOLE		0	0	265
GILEAD SCIENCES INC	COM	375558103	20,583	300	SH		SOLE		0	0	300
GLOBE LIFE INC	COM	37959E102	18,513	225	SH		SOLE		0	0	225
GOLDMAN SACHS GROUP	COM	38141G104	62,872	139	SH		SOLE		0	0	139
HARLEY DAVIDSON INC	COM	412822108	4,483	134	SH		SOLE		0	0	134
HOME DEPOT INC	COM	437076102	815,722	2,370	SH		SOLE		0	0	2,370
HORMEL FOODS CORP	COM	440452100	22,197	728	SH		SOLE		0	0	728
IBM CORP	COM	459200101	19	0	SH		SOLE		0	0	0
IDEXX LABS INC	COM	45168D104	13,154	27	SH		SOLE		0	0	27
INDEPENDENCE REALTY REIT	COM	45378A106	676,477	36,098	SH		SOLE		0	0	36,098
INTEL CORP	COM	458140100	1,549	50	SH		SOLE		0	0	50
INVESCO NASDAQ NEXT GEN 100 ETF	NASDAQNXTGEN100	46138G631	33,546	1,204	SH		SOLE		0	0	1,204
INVSC QQQ TRUST SRS 1 ETF IV	UNIT SER 1	46090E103	564,871	1,179	SH		SOLE		0	0	1,179
IQVIA HOLDINGS INC	COM	46266C105	3,703,372	17,515	SH		SOLE		0	0	17,515
ISHARES BIOTECHNOLOGY ETF	ISHARES BITCOIN	464287556	88,121	642	SH		SOLE		0	0	642
ISHARES CORE S&P 500 ETF	CORE S&P 500 ETF	464287200	765,575	1,399	SH		SOLE		0	0	1,399
ISHARES CORE S&P MID CAPETF	CORE S&P MCP ETF	464287507	683,352	11,677	SH		SOLE		0	0	11,677
ISHARES CORE S&P SMALL CAP ETF	CORE S&P SCP ETF	464287804	189,428	1,776	SH		SOLE		0	0	1,776
ISHARES TOTAL US STOCK MARKET ETF	CORE S&P TTL STK ETF	464587150	143,548	1,209	SH		SOLE		0	0	1,209
ISHARES CORE US AGGREGATE BOND ETF	CORE US AGGBD ETF	464287226	7,669	79	SH		SOLE		0	0	79
ISHARES ESG AWARE MSCI USA ETF	ESG AWR MSCI USA	46435G425	119,703	1,003	SH		SOLE		0	0	1,003
ISHARES MSCI CHINA A ETF	MSCI CHINA A ETF	46434V514	6,535	258	SH		SOLE		0	0	258
ISHARES MSCI CHINA ETF	MSCI CHINA ETF	46429B671	18,934	449	SH		SOLE		0	0	449
ISHARES MSCI EAFE ETF	MSCI EAFE ETF	464287465	5,013	64	SH		SOLE		0	0	64
ISHARES MSCI INDIA INDEXETF	MSCI INDIA ETF	46429B598	1,395	25	SH		SOLE		0	0	25
ISHARES S&P 500 GROWTH ETF	S&P 500 GRWT ETF	464287309	660,273	7,135	SH		SOLE		0	0	7,135
ISHARES S&P 500 VALUE ETF	S&P 500 VAL ETF	464287408	463,215	2,545	SH		SOLE		0	0	2,545
ISHARES S&P SMALL CAP 600 ETF	SP SMCP600VL ETF	464287879	125,867	1,294	SH		SOLE		0	0	1,294
ISHARES S&P SMLL CAP 600GRTH ETF	S&P SML 600 GWT	464287887	160,794	1,252	SH		SOLE		0	0	1,252
ISHARES SELECT DIVIDEND ETF	SELECT DIVIDEND ETF	464287168	120,980	1,000	SH		SOLE		0	0	1,000
JOHNSON & JOHNSON	COM	478160104	2,160,077	14,779	SH		SOLE		0	0	14,779
J P MORGAN CHASE & CO	COM	46625H100	5,215,476	25,786	SH		SOLE		0	0	25,786
ELI LILLY AND CO	COM	532457108	5,826,120	6,435	SH		SOLE		0	0	6,435
KRANESHARES CSI CHINA INTERNET ETF	CSI CHI INTERNET	500767306	405	15	SH		SOLE		0	0	15
LOCKHEED MARTIN CORP	COM	539830109	2,350,914	5,033	SH		SOLE		0	0	5,033
LOWES COMPANIES INC	COM	548661107	249,561	1,132	SH		SOLE		0	0	1,132
LPL FINL HLDGS	COM	50212V100	6,424	23	SH		SOLE		0	0	23
LULULEMON ATHLETICA	COM	550021109	8,364	28	SH		SOLE		0	0	28
MASTERCARD INC	CL A	57636Q104	5,969,771	13,532	SH		SOLE		0	0	13,532
MATCH GROUP INC NEW	COM	57667L107	4,314	142	SH		SOLE		0	0	142
MCDONALDS CORP	COM	580135101	9,769	38	SH		SOLE		0	0	38
MEDTRONIC PLC	SHS	G5960L103	8,579	109	SH		SOLE		0	0	109
MERCADOLIBRE INC	COM	58733R102	16,434	10	SH		SOLE		0	0	10
MERCK & CO. INC.	COM	58933Y105	304,796	2,462	SH		SOLE		0	0	2,462
META PLATFORMS INC	CL A	30303M102	5,418,349	10,746	SH		SOLE		0	0	10,746
MFA FINL, INC. REIT	NOTE	55272X607	1,256	118	SH		SOLE		0	0	118
MICROSOFT CORP	COM	594918104	11,158,857	24,967	SH		SOLE		0	0	24,967
MOHAWK INDUSTRIES	COM	608190104	30,556	269	SH		SOLE		0	0	269
MONDELEZ INTL	CL A	609207105	1,051,622	1,607	SH		SOLE		0	0	1,607
MR COOPER GROUP INC	COM	62482R107	81	1	SH		SOLE		0	0	1
MURPHY USA INC	COM	626755102	28,637	61	SH		SOLE		0	0	61
NIKE INC	CL B NEW	654106103	57,583	764	SH		SOLE		0	0	764
NORTHROP GRUMMAN CO	COM	666807102	6,798	16	SH		SOLE		0	0	16
NOVO-NORDISK AS VORMAL FSPONSORED ADR 1 ADR REPS 1 ORD SHS	SPONSORED ADR	670100205	134,176	940	SH		SOLE		0	0	940
NUCOR CORP	COM	670928100	8,536	54	SH		SOLE		0	0	54
NUVEEN MUNICIPAL	COM	670928100	34,132	3,955	SH		SOLE		0	0	3,955
NVIDIA CORP	COM	67066G104	8,970,734	72,614	SH		SOLE		0	0	72,614
O REILLY AUTOMOTIVE	COM	67103H107	16,897	16	SH		SOLE		0	0	16
OCCIDENTAL PETROL CO	COM	674599105	24,519	389	SH		SOLE		0	0	389
ORACLE CORP	COM	68389X105	45,608	323	SH		SOLE		0	0	323
ORION OFFICE REIT INC	COM	68629Y103	180	50	SH		SOLE		0	0	50
OTIS WORLDWIDE CORP	COM	68902V107	1,768,104	18,368	SH		SOLE		0	0	18,368
PALO ALTO NETWORKS	COM	697435105	653,611	1,928	SH		SOLE		0	0	1,928
PAYPAL HOLDINGS INCORPOR	COM	70450Y103	6,964	120	SH		SOLE		0	0	120
PELOTON INTERACTIVE INC	COM CL A	70614W100	879	260	SH		SOLE		0	0	260
PEPSICO INC	COM	713448108	14,514	88	SH		SOLE		0	0	88
PERFORMANCE FOOD GROUP C	COM	71377A103	33,055	500	SH		SOLE		0	0	500
PFIZER INC	COM	717081103	700	25	SH		SOLE		0	0	25
PHILIP MORRIS INTL	COM	718172109	1,923,639	18,984	SH		SOLE		0	0	18,984
PHILLIPS 66	COM	718546104	70,585	500	SH		SOLE		0	0	500
PINTEREST INC	CL A	72352L106	26,442	600	SH		SOLE		0	0	600
PNC FINL SERVICES	COM	693475105	75,874	488	SH		SOLE		0	0	488
PROCTER & GAMBLE	COM	742718109	1,546,125	9,375	SH		SOLE		0	0	9,375
PROSHARES ULTRAPRO QQQ ETF	ULTRAPRO QQQ	74347X831	664	9	SH		SOLE		0	0	9
PRUDENTIAL FINL	COM	744320102	11,719	100	SH		SOLE		0	0	100
REALTY INCOME CORP REIT	COM	756109104	26,410	500	SH		SOLE		0	0	500
REDDIT INC	CL A	75734B100	27,473	430	SH		SOLE		0	0	430
REVOLVE GROUP INC	CL A	76156B107	4,471	281	SH		SOLE		0	0	281
RIVIAN AUTOMOTIVE INC	CL A	771049103	671	50	SH		SOLE		0	0	50
SALESFORCE INC	COM	79466L302	3,823,848	14,873	SH		SOLE		0	0	14,873
SEA LTD FUNSPONSORED ADR	SPONSORED ADR	81141R100	8,285	116	SH		SOLE		0	0	116
SELECT SECTOR HEALTH CARE SPDR ETF	SBI HEALTHCARE	81369Y209	20,697	142	SH		SOLE		0	0	142
SELECT STR FINANCIAL SELECT SPDR ETF	FINANCIAL	81369Y605	19,568	476	SH		SOLE		0	0	476
SERVICE NOW INC	COM	81762P102	93,614	119	SH		SOLE		0	0	119
SHOPIFY INC	CL A	82509L107	14,531	220	SH		SOLE		0	0	220
SOFI TECHNOLOGIES INC	NOTE	83406F102	2,247	340	SH		SOLE		0	0	340
SOLAREDGE TECH	COM	83417M104	960	38	SH		SOLE		0	0	38
SPDR FUND CONSUMER DISCRE SELECT ETF	SBI CONS DISCR	81369Y407	17,146	94	SH		SOLE		0	0	94
SPDR PORTFOLIO HIGH YIELD BND ETF	PORTFLI HIGH YLD ETF	78468R606	1,045	45	SH		SOLE		0	0	45
SPDR S&P 500 ETF	SPDR S&P 500 ETF	78468R796	1,670,755	3,070	SH		SOLE		0	0	3,070
SPDR S&P DIVIDEND ETF	S&P DIVID ETF	78464A763	169,235	13,301	SH		SOLE		0	0	13,301
SPDR S&P MIDCAP 400 ETF	UTSER1 S&PDCRP	78467Y107	453,213	847	SH		SOLE		0	0	847
STARBUCKS CORP	COM	855244109	2,171,836	27,898	SH		SOLE		0	0	27,898
STATE STREET CORP	COM	857477103	10,508	142	SH		SOLE		0	0	142
SYNOVUS FINL CO	COM	871607107	229,766	5,717	SH		SOLE		0	0	5,717
TAIWAN SEMICONDUCTR FSPONSORED ADR	SPONSORED ADR	874039100	1,390	8	SH		SOLE		0	0	8
TAKE TWO INTERACTV	COM	874054109	9,485	61	SH		SOLE		0	0	61
TECHNOLOGY SELECT SECTORSPDR ETF	TECHNOLOGY	81369Y803	47,961	212	SH		SOLE		0	0	212
THE COCA-COLA CO	COM	191216100	209,918	3,298	SH		SOLE		0	0	3,298
THERMO FISHER SCNTFC	COM	883556102	1,983,611	3,587	SH		SOLE		0	0	3,587
TORONTO DOMINION BK ON F	COM NEW	891160509	36,658	667	SH		SOLE		0	0	667
TRUIST FINL CORP	COM	89832Q109	49,853	1,283	SH		SOLE		0	0	1,283
TRUMP MEDIA & TECHNOLOGY	COM	25400Q105	12,511	382	SH		SOLE		0	0	382
UBER TECHNOLOGIES INC	COM	90353T100	4,166,744	57,330	SH		SOLE		0	0	57,330
UNITED PARCEL SRVC	CL B NEW	911312106	13,685	100	SH		SOLE		0	0	100
UNITEDHEALTH GRP INC	COM	91324P102	3,165,560	6,216	SH		SOLE		0	0	6,216
VANGUARD ENERGY ETF	ENERGY ETF	92204A306	505,815	3,965	SH		SOLE		0	0	3,965
VANGUARD FTSE ALL WORLD EX US ETF	ALLWRLD EX US ETF	922042775	536,380	9,147	SH		SOLE		0	0	9,147
VANGUARD FTSE DEVELOPED MARKETS ETF	VAN FTSE DEV MKT	921943858	9,570	194	SH		SOLE		0	0	194
VANGUARD HIGH DIVIDEND YIELD ETF	HIGH DIV YLD	921946406	3,084	26	SH		SOLE		0	0	26
VANGUARD MID CAP ETF	MID CAP ETF	922908629	3,389	14	SH		SOLE		0	0	14
VANGUARD S&P 500 ETF	S&P 500 ETF SHS	922908363	46,073,751	92,122	SH		SOLE		0	0	92,122
VANGUARD SHORT-TERM BONDETF	SHORT TRM BOND	921937827	76,010	991	SH		SOLE		0	0	991
VANGUARD SMALL CAP ETF	SMALL CP ETF	922908751	2,861,711	13,125	SH		SOLE		0	0	13,125
VANGUARD TOTAL BOND MARKET ETF	TOTAL BND MKT	921937835	819,785	11,378	SH		SOLE		0	0	11,378
VANGUARD TOTAL INTERNATLBND ETF IV	TOTAL INT BD ETF	92203J407	60,984	1,253	SH		SOLE		0	0	1,253
VANGUARD TOTAL INTERNTL STOCK ETF IV	VG TL INTL STK F	921909768	1,095,616	18,169	SH		SOLE		0	0	18,169
VANGUARD TOTAL STOCK MARKET ETF	TOTAL STK MKT	922908769	3,745	14	SH		SOLE		0	0	14
VEEVA SYSTEMS INC	CL A COM	922475108	2,312,697	12,637	SH		SOLE		0	0	12,637
VERIZON COMMUNICATN	COM	92343V104	4,124	100	SH		SOLE		0	0	100
VIATRIS INC	COM	92556V106	213	20	SH		SOLE		0	0	20
VISA INC	COM CL A	92826C839	5,142,624	19,593	SH		SOLE		0	0	19,593
WABTEC	COM	929740108	948	6	SH		SOLE		0	0	6
WALGREENS BOOTS ALLI	COM	931427108	12	1	SH		SOLE		0	0	1
WALMART INC	COM	931142103	32,067	474	SH		SOLE		0	0	474
WALT DISNEY CO	COM	254687106	2,931,045	29,520	SH		SOLE		0	0	29,520
WARNER BROTHERS DISCOVER	COM SER A	934423104	1,146	154	SH		SOLE		0	0	154
WELLS FARGO & CO	COM NEW	949746101	72,753	1,225	SH		SOLE		0	0	1,225
WISDOMTREE INDIA EARNINGS ETF	INDIA ERNGS FD	97717W422	9,656	200	SH		SOLE		0	0	200
WISDOMTREE JAPAN HEDGED EQUITY ETF	JAPN HEDGE EQT	97717W851	564	5	SH		SOLE		0	0	5
WOLFSPEED INC	COM	977852102	1,502	66	SH		SOLE		0	0	66
WORKDAY INC	CL A	98138H101	46,724	209	SH		SOLE		0	0	209
XERIS PHARMACEUTICALS IN	COM	98421M106	907	403	SH		SOLE		0	0	403
ZETA GLOBAL HOLDINGS COR	CL A	98956A105	211,447	11,980	SH		SOLE		0	0	11,980
ZOETIS INC CLASS A	CL A	98978V103	18,723	108	SH		SOLE		0	0	108
ZOOM VIDEO COMMUNICATION	CL A	98980L101	5,919	100	SH		SOLE		0	0	100