Annapolis Financial Services 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

OMB APPROVAL

OMB Number:		3235-0006
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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	17,884	175	SH		SOLE		0	0	175
ABBOTT LABS	COM	002824100	38,189	368	SH		SOLE		0	0	368
ABBVIE INC	COM	00287Y109	77,871	454	SH		SOLE		0	0	454
ACCENTURE PLC IRELAND	SHS CLASS A	G1151C101	23,970	79	SH		SOLE		0	0	79
ADOBE INC	COM	00724F101	3,334	6	SH		SOLE		0	0	6
ALPHABET INC	CAP STK CL A	02079K305	182,150	1,000	SH		SOLE		0	0	1,000
ALPHABET INC	CAP STK CL C	02079K107	443,877	2,420	SH		SOLE		0	0	2,420
ALTRIA GROUP INC	COM	02209S103	7,607	167	SH		SOLE		0	0	167
AMAZON COM INC	COM	023135106	475,202	2,459	SH		SOLE		0	0	2,459
AMERICAN CENTY ETF TR	AVANTIS ALL EQT	025072232	412,551	5,951	SH		SOLE		0	0	5,951
AMERICAN CENTY ETF TR	AVANTIS EMGMKT	025072604	8,251,108	135,065	SH		SOLE		0	0	135,065
AMERICAN CENTY ETF TR	INTL EQT ETF	025072703	19,243,135	309,077	SH		SOLE		0	0	309,077
AMERICAN CENTY ETF TR	INTL SMCP VLU	025072802	294,029	4,527	SH		SOLE		0	0	4,527
AMERICAN CENTY ETF TR	US EQT ETF	025072885	450,229	4,992	SH		SOLE		0	0	4,992
AMERICAN CENTY ETF TR	US SML CP VALU	025072877	597,267	6,657	SH		SOLE		0	0	6,657
AMERICAN ELEC PWR CO INC	COM	025537101	9,827	112	SH		SOLE		0	0	112
AMERICAN EXPRESS CO	COM	025816109	46,079	199	SH		SOLE		0	0	199
AMERICAN INTL GROUP INC	COM NEW	026874784	10,246	138	SH		SOLE		0	0	138
AMERICAN TOWER CORP NEW	COM	03027X100	30,129	155	SH		SOLE		0	0	155
AMERIPRISE FINL INC	COM	03076C106	30,758	72	SH		SOLE		0	0	72
AMGEN INC	COM	031162100	78,113	250	SH		SOLE		0	0	250
ANALOG DEVICES INC	COM	032654105	16,435	72	SH		SOLE		0	0	72
ANSYS INC	COM	03662Q105	10,288	32	SH		SOLE		0	0	32
APOLLO GLOBAL MGMT INC	COM	03769M106	14,759	125	SH		SOLE		0	0	125
APPLE INC	COM	037833100	1,342,507	6,374	SH		SOLE		0	0	6,374
APTIV PLC	SHS	G6095L109	8,803	125	SH		SOLE		0	0	125
APYX MEDICAL CORPORATION	COM	03837C106	2,102	1,568	SH		SOLE		0	0	1,568
ARK ETF TR	AUTNMUS TECHNLGY	00214Q203	1,653	30	SH		SOLE		0	0	30
ARK ETF TR	INNOVATION ETF	00214Q104	7,428	169	SH		SOLE		0	0	169
AUTOMATIC DATA PROCESSING IN	COM	053015103	23,869	100	SH		SOLE		0	0	100
BANK AMERICA CORP	COM	060505104	231,863	5,830	SH		SOLE		0	0	5,830
BERKSHIRE HATHAWAY INC DEL	CL A	084670108	612,241	1	SH		SOLE		0	0	1
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	796,922	1,959	SH		SOLE		0	0	1,959
BHP GROUP LTD	SPONSORED ADS	088606108	4,111	72	SH		SOLE		0	0	72
BLACKROCK ETF TRUST	FUTURE TECH ETF	09290C301	173,234	6,314	SH		SOLE		0	0	6,314
BLACKROCK INC	COM	09247X101	59,049	75	SH		SOLE		0	0	75
BOEING CO	COM	097023105	37,495	206	SH		SOLE		0	0	206
BRISTOL-MYERS SQUIBB CO	COM	110122108	4,403	106	SH		SOLE		0	0	106
BROADCOM INC	COM	11135F101	175,003	109	SH		SOLE		0	0	109
CADENCE DESIGN SYSTEM INC	COM	127387108	32,006	104	SH		SOLE		0	0	104
CAPITAL GROUP GBL GROWTH EQT	SHS CREATION UNI	14020X104	6	0	SH		SOLE		0	0	0
CAPITAL ONE FINL CORP	COM	14040H105	43,769	316	SH		SOLE		0	0	316
CARRIER GLOBAL CORPORATION	COM	14448C104	18,924	300	SH		SOLE		0	0	300
CATERPILLAR INC	COM	149123101	24,650	74	SH		SOLE		0	0	74
CENTENE CORP DEL	COM	15135B101	5,835	88	SH		SOLE		0	0	88
CENTRAIS ELETRICAS BRASILEIR	SPONSORED ADR	15234Q207	2,553	397	SH		SOLE		0	0	397
CHEVRON CORP NEW	COM	166764100	77,428	495	SH		SOLE		0	0	495
CHIPOTLE MEXICAN GRILL INC	COM	169656105	43,855	700	SH		SOLE		0	0	700
CHUBB LIMITED	COM	H1467J104	44,129	173	SH		SOLE		0	0	173
CISCO SYS INC	COM	17275R102	56,632	1,192	SH		SOLE		0	0	1,192
COCA COLA CO	COM	191216100	39,591	622	SH		SOLE		0	0	622
COMCAST CORP NEW	CL A	20030N101	47,893	1,223	SH		SOLE		0	0	1,223
CONOCOPHILLIPS	COM	20825C104	21,847	191	SH		SOLE		0	0	191
CONSTELLATION BRANDS INC	CL A	21036P108	19,296	75	SH		SOLE		0	0	75
CONSTELLATION ENERGY CORP	COM	21037T109	12,417	62	SH		SOLE		0	0	62
CORNING INC	COM	219350105	3,885	100	SH		SOLE		0	0	100
CORTEVA INC	COM	22052L104	4,585	85	SH		SOLE		0	0	85
COSTAR GROUP INC	COM	22160N109	15,570	210	SH		SOLE		0	0	210
COSTCO WHSL CORP NEW	COM	22160K105	114,391	135	SH		SOLE		0	0	135
CSX CORP	COM	126408103	41,244	1,233	SH		SOLE		0	0	1,233
CUMMINS INC	COM	231021106	19,939	72	SH		SOLE		0	0	72
CVS HEALTH CORP	COM	126650100	716	12	SH		SOLE		0	0	12
DANAHER CORPORATION	COM	235851102	57,966	232	SH		SOLE		0	0	232
DEERE & CO	COM	244199105	50,814	136	SH		SOLE		0	0	136
DESKTOP METAL INC	COM CL A	25058X303	207	50	SH		SOLE		0	0	50
DIAGEO PLC	SPON ADR NEW	25243Q205	8,322	66	SH		SOLE		0	0	66
DIMENSIONAL ETF TRUST	CORE FIXED INCOM	25434V872	6,526,350	157,110	SH		SOLE		0	0	157,110
DIMENSIONAL ETF TRUST	EMGR CRE EQT MNG	25434V302	2,232,530	86,298	SH		SOLE		0	0	86,298
DIMENSIONAL ETF TRUST	GLOBAL CORE PLUS	25434V583	6,334,121	119,715	SH		SOLE		0	0	119,715
DIMENSIONAL ETF TRUST	INFLATION PROTE	25434V856	458,863	11,237	SH		SOLE		0	0	11,237
DIMENSIONAL ETF TRUST	INTL CORE EQT MK	25434V203	1,651,344	55,657	SH		SOLE		0	0	55,657
DIMENSIONAL ETF TRUST	INTL HIGH PROFIT	25434V765	250,093	9,502	SH		SOLE		0	0	9,502
DIMENSIONAL ETF TRUST	NATL MUN BD ETF	25434V849	311,461	6,520	SH		SOLE		0	0	6,520
DIMENSIONAL ETF TRUST	SHORT DURATION F	25434V864	1,145,014	24,362	SH		SOLE		0	0	24,362
DIMENSIONAL ETF TRUST	US CORE EQT MKT	25434V104	4,787,923	127,712	SH		SOLE		0	0	127,712
DIMENSIONAL ETF TRUST	US CORE EQUITY 2	25434V708	1,250,139	38,776	SH		SOLE		0	0	38,776
DIMENSIONAL ETF TRUST	US EQUITY ETF	25434V401	311,964	5,301	SH		SOLE		0	0	5,301
DIMENSIONAL ETF TRUST	US HIGH PROFITAB	25434V831	717,568	22,431	SH		SOLE		0	0	22,431
DIMENSIONAL ETF TRUST	US LARGE CAP VAL	25434V666	34,056	1,178	SH		SOLE		0	0	1,178
DIMENSIONAL ETF TRUST	US REAL ESTATE E	25434V823	329,423	14,906	SH		SOLE		0	0	14,906
DIMENSIONAL ETF TRUST	US SMALL CAP ETF	25434V500	8,727,341	145,262	SH		SOLE		0	0	145,262
DIMENSIONAL ETF TRUST	US SMALL CAP VAL	25434V815	4,213,824	146,415	SH		SOLE		0	0	146,415
DIMENSIONAL ETF TRUST	US TARGETED VLU	25434V609	16,080	310	SH		SOLE		0	0	310
DIMENSIONAL ETF TRUST	WORLD EX US CORE	25434V880	214,418	8,435	SH		SOLE		0	0	8,435
DISNEY WALT CO	COM	254687106	86,581	872	SH		SOLE		0	0	872
DOLLAR GEN CORP NEW	COM	256677105	83,967	635	SH		SOLE		0	0	635
DOMINION ENERGY INC	COM	25746U109	19,600	400	SH		SOLE		0	0	400
DOW INC	COM	260557103	12,361	233	SH		SOLE		0	0	233
DRAFTKINGS INC NEW	COM CL A	26142V105	764	20	SH		SOLE		0	0	20
DUPONT DE NEMOURS INC	COM	26614N102	9,418	117	SH		SOLE		0	0	117
EASTMAN CHEM CO	COM	277432100	19,594	200	SH		SOLE		0	0	200
EATON CORP PLC	SHS	G29183103	11,288	36	SH		SOLE		0	0	36
ELEVANCE HEALTH INC	COM	036752103	1,510	3	SH		SOLE		0	0	3
ELI LILLY & CO	COM	532457108	298,776	330	SH		SOLE		0	0	330
EMERSON ELEC CO	COM	291011104	15,868	144	SH		SOLE		0	0	144
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	8,321	513	SH		SOLE		0	0	513
EQT CORP	COM	26884L109	92,450	2,500	SH		SOLE		0	0	2,500
EQUITY RESIDENTIAL	SH BEN INT	29476L107	16,157	233	SH		SOLE		0	0	233
EXELON CORP	COM	30161N101	6,438	186	SH		SOLE		0	0	186
EXXON MOBIL CORP	COM	30231G102	22,909	199	SH		SOLE		0	0	199
FASTENAL CO	COM	311900104	80,813	1,286	SH		SOLE		0	0	1,286
FIRSTENERGY CORP	COM	337932107	8,688	227	SH		SOLE		0	0	227
FIVE BELOW INC	COM	33829M101	7,301	67	SH		SOLE		0	0	67
FMC CORP	COM NEW	302491303	49	85	SH		SOLE		0	0	85
FORD MTR CO DEL	COM	345370860	1,625	130	SH		SOLE		0	0	130
FORTREA HLDGS INC	COMMON STOCK	34965K107	1,167	50	SH		SOLE		0	0	50
FRESENIUS MEDICAL CARE AG	SPONSORED ADR	358029106	44,442	2,328	SH		SOLE		0	0	2,328
FS CREDIT OPPORTUNITIES CORP	COMMON STOCK	30290Y101	42,654	6,696	SH		SOLE		0	0	6,696
GE AEROSPACE	COM NEW	369604301	40,265	253	SH		SOLE		0	0	253
GE HEALTHCARE TECHNOLOGIES I	COMMON STOCK	36266G107	15,044	193	SH		SOLE		0	0	193
GE VERNOVA INC	COM	36828A101	10,634	62	SH		SOLE		0	0	62
GENERAC HLDGS INC	COM	368736104	2,645	20	SH		SOLE		0	0	20
GENERAL DYNAMICS CORP	COM	369550108	45,316	156	SH		SOLE		0	0	156
GENERAL MTRS CO	COM	37045V100	25,553	550	SH		SOLE		0	0	550
GENUINE PARTS CO	COM	372460105	16,322	118	SH		SOLE		0	0	118
GLEN BURNIE BANCORP	COM	377407101	4,130	1,000	SH		SOLE		0	0	1,000
GLOBANT S A	COM	L44385109	13,727	77	SH		SOLE		0	0	77
GRAND CANYON ED INC	COM	38526M106	15,391	110	SH		SOLE		0	0	110
GRAYSCALE BITCOIN TR BTC	SHS REP COM UT	389637109	125,753	2,362	SH		SOLE		0	0	2,362
HANNON ARMSTRONG SUST INFR C	COM	41068X100	252,710	8,537	SH		SOLE		0	0	8,537
HEICO CORP NEW	COM	422806109	22,138	99	SH		SOLE		0	0	99
HOME DEPOT INC	COM	437076102	287,440	835	SH		SOLE		0	0	835
HONEYWELL INTL INC	COM	438516106	62,995	295	SH		SOLE		0	0	295
HUMANA INC	COM	444859102	5,232	14	SH		SOLE		0	0	14
IDEXX LABS INC	COM	45168D104	10,232	21	SH		SOLE		0	0	21
INFOSYS LTD	SPONSORED ADR	456788108	3,576	192	SH		SOLE		0	0	192
INTEL CORP	COM	458140100	18,644	602	SH		SOLE		0	0	602
INTERCONTINENTAL EXCHANGE IN	COM	45866F104	24,504	179	SH		SOLE		0	0	179
INTERNATIONAL BUSINESS MACHS	COM	459200101	2,249	13	SH		SOLE		0	0	13
INTERPUBLIC GROUP COS INC	COM	460690100	143,705	4,940	SH		SOLE		0	0	4,940
INVESCO EXCH TRADED FD TR II	S&P ULTRA DIVIDE	46138G656	8,960	200	SH		SOLE		0	0	200
INVESCO EXCHANGE TRADED FD T	DIVID ACHIEVEV	46137V506	170,680	4,000	SH		SOLE		0	0	4,000
INVESCO EXCHANGE TRADED FD T	NASDAQ INTERNT	46137V530	73,908	1,800	SH		SOLE		0	0	1,800
INVESCO EXCHANGE TRADED FD T	S&P500 EQL TEC	46137V282	61,631	1,681	SH		SOLE		0	0	1,681
INVESCO EXCHANGE TRADED FD T	S&P500 EQL WGT	46137V357	7,526,479	45,815	SH		SOLE		0	0	45,815
INVESCO EXCHANGE TRADED FD T	WILDERHIL CLAN	46137V134	31,676	1,572	SH		SOLE		0	0	1,572
INVESCO QQQ TR	UNIT SER 1	46090E103	47,596	99	SH		SOLE		0	0	99
ISHARES INC	CORE MSCI EMKT	46434G103	1,628,172	30,416	SH		SOLE		0	0	30,416
ISHARES INC	MSCI EMRG CHN	46434G764	49,610	838	SH		SOLE		0	0	838
ISHARES TR	COHEN STEER REIT	464287564	15,354	268	SH		SOLE		0	0	268
ISHARES TR	CORE MSCI EAFE	46432F842	2,740,046	37,721	SH		SOLE		0	0	37,721
ISHARES TR	CORE S&P MCP ETF	464287507	3,743,232	63,965	SH		SOLE		0	0	63,965
ISHARES TR	CORE S&P SCP ETF	464287804	1,231,923	11,550	SH		SOLE		0	0	11,550
ISHARES TR	CORE S&P500 ETF	464287200	5,271,380	9,633	SH		SOLE		0	0	9,633
ISHARES TR	CORE US AGGBD ET	464287226	123,668	1,274	SH		SOLE		0	0	1,274
ISHARES TR	EXPANDED TECH	464287515	445,797	5,130	SH		SOLE		0	0	5,130
ISHARES TR	GL CLEAN ENE ETF	464288224	76,764	5,763	SH		SOLE		0	0	5,763
ISHARES TR	JPMORGAN USD EMG	464288281	11,945	135	SH		SOLE		0	0	135
ISHARES TR	MBS ETF	464288588	98,788	1,076	SH		SOLE		0	0	1,076
ISHARES TR	MRGSTR MD CP ETF	464288208	49,066	700	SH		SOLE		0	0	700
ISHARES TR	MSCI ACWI ETF	464288257	3,148	28	SH		SOLE		0	0	28
ISHARES TR	MSCI EAFE ETF	464287465	3,284,926	41,937	SH		SOLE		0	0	41,937
ISHARES TR	MSCI EMG MKT ETF	464287234	4,259	100	SH		SOLE		0	0	100
ISHARES TR	MSCI GBL SUS DEV	46435G532	780,728	10,400	SH		SOLE		0	0	10,400
ISHARES TR	MSCI KLD400 SOC	464288570	1,795,152	17,286	SH		SOLE		0	0	17,286
ISHARES TR	MSCI USA MIN VOL	46429B697	24,349	290	SH		SOLE		0	0	290
ISHARES TR	MSCI USA QLT FCT	46432F339	38,251	224	SH		SOLE		0	0	224
ISHARES TR	RUS 1000 GRW ETF	464287614	200,481	550	SH		SOLE		0	0	550
ISHARES TR	RUS 1000 VAL ETF	464287598	1,047	6	SH		SOLE		0	0	6
ISHARES TR	RUS MDCP VAL ETF	464287473	2,004,062	16,598	SH		SOLE		0	0	16,598
ISHARES TR	RUS MID CAP ETF	464287499	206,349	2,545	SH		SOLE		0	0	2,545
ISHARES TR	RUSSELL 2000 ETF	464287655	34,898	172	SH		SOLE		0	0	172
ISHARES TR	S&P 500 GRWT ETF	464287309	50,897	550	SH		SOLE		0	0	550
ISHARES TR	SELECT DIVID ETF	464287168	145,176	1,200	SH		SOLE		0	0	1,200
ISHARES TR	SP SMCP600VL ETF	464287879	443,746	4,562	SH		SOLE		0	0	4,562
ISHARES TR	U.S. MED DVC ETF	464288810	20,511	366	SH		SOLE		0	0	366
ISHARES TR	U.S. UTILITS ETF	464287697	85,596	974	SH		SOLE		0	0	974
J P MORGAN EXCHANGE TRADED F	HEDGED EQUITY LA	46654Q724	34,827	595	SH		SOLE		0	0	595
J P MORGAN EXCHANGE TRADED F	INCOME ETF	46641Q159	932,249	20,507	SH		SOLE		0	0	20,507
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	133,658	2,648	SH		SOLE		0	0	2,648
JOHNSON & JOHNSON	COM	478160104	125,260	857	SH		SOLE		0	0	857
JOHNSON CTLS INTL PLC	SHS	G51502105	19,277	290	SH		SOLE		0	0	290
JPMORGAN CHASE & CO.	COM	46625H100	285,072	1,409	SH		SOLE		0	0	1,409
KROGER CO	COM	501044101	16,393	328	SH		SOLE		0	0	328
KYNDRYL HLDGS INC	COMMON STOCK	50155Q100	185	7	SH		SOLE		0	0	7
LABCORP HOLDINGS INC	COM SHS	504922105	10,176	50	SH		SOLE		0	0	50
LINDE PLC	SHS	G54950103	30,278	69	SH		SOLE		0	0	69
LIVE NATION ENTERTAINMENT IN	COM	538034109	1,875	20	SH		SOLE		0	0	20
LOCKHEED MARTIN CORP	COM	539830109	991	2	SH		SOLE		0	0	2
LOWES COS INC	COM	548661107	26,676	121	SH		SOLE		0	0	121
LULULEMON ATHLETICA INC	COM	550021109	298,700	1,000	SH		SOLE		0	0	1,000
M & T BK CORP	COM	55261F104	22,704	150	SH		SOLE		0	0	150
MAGNA INTL INC	COM	559222401	13,492	322	SH		SOLE		0	0	322
MARATHON OIL CORP	COM	565849106	2,103	73	SH		SOLE		0	0	73
MARATHON PETE CORP	COM	56585A102	14,399	83	SH		SOLE		0	0	83
MARRIOTT INTL INC NEW	CL A	571903202	32,639	135	SH		SOLE		0	0	135
MASTERCARD INCORPORATED	CL A	57636Q104	25,147	57	SH		SOLE		0	0	57
MCCORMICK & CO INC	COM NON VTG	579780206	17,806	251	SH		SOLE		0	0	251
MCDONALDS CORP	COM	580135101	44,343	174	SH		SOLE		0	0	174
MCKESSON CORP	COM	58155Q103	26,282	45	SH		SOLE		0	0	45
MERCK & CO INC	COM	58933Y105	142,123	1,148	SH		SOLE		0	0	1,148
META PLATFORMS INC	CL A	30303M102	1,220,739	2,421	SH		SOLE		0	0	2,421
METLIFE INC	COM	59156R108	7,370	105	SH		SOLE		0	0	105
MICROCHIP TECHNOLOGY INC.	COM	595017104	17,385	190	SH		SOLE		0	0	190
MICRON TECHNOLOGY INC	COM	595112103	790	6	SH		SOLE		0	0	6
MICROSOFT CORP	COM	594918104	981,562	2,196	SH		SOLE		0	0	2,196
MODERNA INC	COM	60770K107	4,632	39	SH		SOLE		0	0	39
MONDELEZ INTL INC	CL A	609207105	12,696	194	SH		SOLE		0	0	194
MORGAN STANLEY	COM NEW	617446448	43,444	447	SH		SOLE		0	0	447
NAVIENT CORPORATION	COM	63938C108	8,862	609	SH		SOLE		0	0	609
NCR ATLEOS CORPORATION	COM SHS	63001N106	163	6	SH		SOLE		0	0	6
NCR VOYIX CORPORATION	COM	62886E108	149	12	SH		SOLE		0	0	12
NETFLIX INC	COM	64110L106	106,970	159	SH		SOLE		0	0	159
NEXTERA ENERGY INC	COM	65339F101	192,675	2,721	SH		SOLE		0	0	2,721
NIKE INC	CL B	654106103	20,350	270	SH		SOLE		0	0	270
NORTHROP GRUMMAN CORP	COM	666807102	17,438	40	SH		SOLE		0	0	40
NOVARTIS AG	SPONSORED ADR	66987V109	17,141	161	SH		SOLE		0	0	161
NUVEEN MUN VALUE FD INC	COM	670928100	31,931	3,700	SH		SOLE		0	0	3,700
NVIDIA CORPORATION	COM	67066G104	129,717	1,050	SH		SOLE		0	0	1,050
OCEANFIRST FINL CORP	COM	675234108	27,808	1,750	SH		SOLE		0	0	1,750
OGE ENERGY CORP	COM	670837103	19,064	534	SH		SOLE		0	0	534
ON HLDG AG	NAMEN AKT A	H5919C104	15,520	400	SH		SOLE		0	0	400
OPENDOOR TECHNOLOGIES INC	COM	683712103	549	300	SH		SOLE		0	0	300
ORACLE CORP	COM	68389X105	19,768	140	SH		SOLE		0	0	140
OREILLY AUTOMOTIVE INC	COM	67103H107	5,281	5	SH		SOLE		0	0	5
ORGANON & CO	COMMON STOCK	68622V106	1,035	50	SH		SOLE		0	0	50
OTIS WORLDWIDE CORP	COM	68902V107	14,439	150	SH		SOLE		0	0	150
PALANTIR TECHNOLOGIES INC	CL A	69608A108	279,213	11,023	SH		SOLE		0	0	11,023
PARKER-HANNIFIN CORP	COM	701094104	3,541	7	SH		SOLE		0	0	7
PAYCOM SOFTWARE INC	COM	70432V102	5,436	38	SH		SOLE		0	0	38
PENTAIR PLC	SHS	G7S00T104	26,835	350	SH		SOLE		0	0	350
PEPSICO INC	COM	713448108	30,842	187	SH		SOLE		0	0	187
PFIZER INC	COM	717081103	22,085	789	SH		SOLE		0	0	789
PG&E CORP	COM	69331C108	11,402	653	SH		SOLE		0	0	653
PHILIP MORRIS INTL INC	COM	718172109	44,586	440	SH		SOLE		0	0	440
PNC FINL SVCS GROUP INC	COM	693475105	378,439	2,434	SH		SOLE		0	0	2,434
POLARIS INC	COM	731068102	3,055	39	SH		SOLE		0	0	39
PPG INDS INC	COM	693506107	3,777	30	SH		SOLE		0	0	30
PRICE T ROWE GROUP INC	COM	74144T108	240,375	2,085	SH		SOLE		0	0	2,085
PROCTER AND GAMBLE CO	COM	742718109	6,267	38	SH		SOLE		0	0	38
PROGRESSIVE CORP	COM	743315103	8,724	42	SH		SOLE		0	0	42
PROLOGIS INC.	COM	74340W103	6,290	56	SH		SOLE		0	0	56
PROSHARES TR	S&P 500 DV ARIST	74348A467	27,301	284	SH		SOLE		0	0	284
PROSHARES TR	SP500 EX FINLS	74347B573	507,714	8,556	SH		SOLE		0	0	8,556
RB GLOBAL INC	COM	74935Q107	15,731	206	SH		SOLE		0	0	206
REPUBLIC SVCS INC	COM	760759100	2,527	13	SH		SOLE		0	0	13
RIO TINTO PLC	SPONSORED ADR	767204100	3,231	49	SH		SOLE		0	0	49
ROYAL BK CDA	COM	780087102	5,639	53	SH		SOLE		0	0	53
RTX CORPORATION	COM	75513E101	76,598	763	SH		SOLE		0	0	763
S&P GLOBAL INC	COM	78409V104	13,826	31	SH		SOLE		0	0	31
SALESFORCE INC	COM	79466L302	15,169	59	SH		SOLE		0	0	59
SCHWAB STRATEGIC TR	INTL EQTY ETF	808524805	20,517	534	SH		SOLE		0	0	534
SCHWAB STRATEGIC TR	INTL SCEQT ETF	808524888	398,247	11,193	SH		SOLE		0	0	11,193
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	12,826	204	SH		SOLE		0	0	204
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	3,733	48	SH		SOLE		0	0	48
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	15,773	156	SH		SOLE		0	0	156
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	2,196,594	29,652	SH		SOLE		0	0	29,652
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	9,840,449	189,203	SH		SOLE		0	0	189,203
SCIENCE APPLICATIONS INTL CO	COM	808625107	5,290	45	SH		SOLE		0	0	45
SELECT SECTOR SPDR TR	ENERGY	81369Y506	47,398	520	SH		SOLE		0	0	520
SELECT SECTOR SPDR TR	FINANCIAL	81369Y605	35,150	855	SH		SOLE		0	0	855
SELECT SECTOR SPDR TR	INDL	81369Y704	8,897	73	SH		SOLE		0	0	73
SELECT SECTOR SPDR TR	SBI HEALTHCARE	81369Y209	44,163	303	SH		SOLE		0	0	303
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	282,788	1,250	SH		SOLE		0	0	1,250
SERVICENOW INC	COM	81762P102	14,161	18	SH		SOLE		0	0	18
SHOPIFY INC	CL A	82509L107	33,290	504	SH		SOLE		0	0	504
SHORE BANCSHARES INC	COM	825107105	5,325	465	SH		SOLE		0	0	465
SNAP INC	CL A	83304A106	24,915	1,500	SH		SOLE		0	0	1,500
SOLVENTUM CORP	COM SHS	83444M101	2,274	43	SH		SOLE		0	0	43
SOUTHWEST AIRLS CO	COM	844741108	16,486	576	SH		SOLE		0	0	576
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	458,796	1,173	SH		SOLE		0	0	1,173
SPDR GOLD TR	GOLD SHS	78463V107	153,733	715	SH		SOLE		0	0	715
SPDR INDEX SHS FDS	PORTFLO EURP ETF	78463X103	5,010	120	SH		SOLE		0	0	120
SPDR INDEX SHS FDS	PORTFOLIO DEVLPD	78463X889	4,359,344	124,269	SH		SOLE		0	0	124,269
SPDR INDEX SHS FDS	PORTFOLIO EMG MK	78463X509	1,431,936	38,013	SH		SOLE		0	0	38,013
SPDR INDEX SHS FDS	S&P INTL SMLCP	78463X871	3,835,864	120,853	SH		SOLE		0	0	120,853
SPDR S&P 500 ETF TR	TR UNIT	78462F103	1,029,665	1,892	SH		SOLE		0	0	1,892
SPDR S&P MIDCAP 400 ETF TR	UTSER1 S&PDCRP	78467Y107	10,702	20	SH		SOLE		0	0	20
SPDR SER TR	BLOOMBERG 1-3 MO	78468R663	5,874	64	SH		SOLE		0	0	64
SPDR SER TR	NUVEEN BLMBRG SH	78468R739	27,418	581	SH		SOLE		0	0	581
SPDR SER TR	PORTFOLI S&P1500	78464A805	1,768,981	26,661	SH		SOLE		0	0	26,661
SPDR SER TR	PORTFOLIO INTRMD	78464A375	96,378	2,960	SH		SOLE		0	0	2,960
SPDR SER TR	PORTFOLIO S&P400	78464A847	3,219,486	62,758	SH		SOLE		0	0	62,758
SPDR SER TR	PORTFOLIO S&P600	78468R853	1,960,185	47,199	SH		SOLE		0	0	47,199
SPDR SER TR	PRTFLO S&P500 VL	78464A508	4,037,621	82,840	SH		SOLE		0	0	82,840
SPDR SER TR	S&P 400 MDCP VAL	78464A839	3,628,595	49,748	SH		SOLE		0	0	49,748
SPDR SER TR	S&P 600 SMCP VAL	78464A300	3,727,497	47,599	SH		SOLE		0	0	47,599
SPDR SER TR	S&P SEMICNDCTR	78464A862	323,209	1,306	SH		SOLE		0	0	1,306
STAGWELL INC	COM CL A	85256A109	16,921	2,481	SH		SOLE		0	0	2,481
STARBUCKS CORP	COM	855244109	11,055	142	SH		SOLE		0	0	142
STERIS PLC	SHS USD	G8473T100	3,952	18	SH		SOLE		0	0	18
STRYKER CORPORATION	COM	863667101	9,187	27	SH		SOLE		0	0	27
SYNCHRONY FINANCIAL	COM	87165B103	18,546	393	SH		SOLE		0	0	393
SYSCO CORP	COM	871829107	126,147	1,767	SH		SOLE		0	0	1,767
T ROWE PRICE ETF INC	CAP APPRECIATION	87283Q867	77,750	2,475	SH		SOLE		0	0	2,475
T ROWE PRICE ETF INC	SMALL MID CAP	87283Q826	35,802	1,185	SH		SOLE		0	0	1,185
TARGET CORP	COM	87612E106	28,312	191	SH		SOLE		0	0	191
TECHNIPFMC PLC	COM	G87110105	13,834	529	SH		SOLE		0	0	529
TERADATA CORP DEL	COM	88076W103	415	12	SH		SOLE		0	0	12
TESLA INC	COM	88160R101	1,188	6	SH		SOLE		0	0	6
TEXAS INSTRS INC	COM	882508104	30,347	156	SH		SOLE		0	0	156
TFI INTL INC	COM	87241L109	9,436	65	SH		SOLE		0	0	65
THE CIGNA GROUP	COM	125523100	11,570	35	SH		SOLE		0	0	35
THERMO FISHER SCIENTIFIC INC	COM	883556102	30,415	55	SH		SOLE		0	0	55
TIDAL ETF TR	SOFI NEXT 500	886364306	707	53	SH		SOLE		0	0	53
TIDAL ETF TR	SOFI SELCT 500	886364207	7,905	398	SH		SOLE		0	0	398
TIMKEN CO	COM	887389104	4,087	51	SH		SOLE		0	0	51
TJX COS INC NEW	COM	872540109	182,877	1,661	SH		SOLE		0	0	1,661
TORONTO DOMINION BK ONT	COM NEW	891160509	12,861	234	SH		SOLE		0	0	234
TOYOTA MOTOR CORP	ADS	892331307	4,920	24	SH		SOLE		0	0	24
TRAVELERS COMPANIES INC	COM	89417E109	151,082	743	SH		SOLE		0	0	743
TRUIST FINL CORP	COM	89832Q109	26,807	690	SH		SOLE		0	0	690
TYLER TECHNOLOGIES INC	COM	902252105	17,095	34	SH		SOLE		0	0	34
UBS GROUP AG	SHS	H42097107	9,128	309	SH		SOLE		0	0	309
UDR INC	COM	902653104	14,814	360	SH		SOLE		0	0	360
UNDER ARMOUR INC	CL A	904311107	28,822	4,321	SH		SOLE		0	0	4,321
UNDER ARMOUR INC	CL C	904311206	3,788	580	SH		SOLE		0	0	580
UNION PAC CORP	COM	907818108	34,618	153	SH		SOLE		0	0	153
UNITEDHEALTH GROUP INC	COM	91324P102	61,112	120	SH		SOLE		0	0	120
VANECK ETF TRUST	CLO ETF	92189H748	132,721	2,507	SH		SOLE		0	0	2,507
VANECK ETF TRUST	DIGITAL INDIA ET	92189H789	54,042	1,327	SH		SOLE		0	0	1,327
VANECK ETF TRUST	MRNGSTR WDE MOAT	92189F643	70,321	812	SH		SOLE		0	0	812
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	218,289	2,846	SH		SOLE		0	0	2,846
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	931,702	12,931	SH		SOLE		0	0	12,931
VANGUARD BD INDEX FDS	VANGUARD ULTRA	92203C303	5,018,167	101,336	SH		SOLE		0	0	101,336
VANGUARD CHARLOTTE FDS	TOTAL INT BD ETF	92203J407	812,356	16,691	SH		SOLE		0	0	16,691
VANGUARD INDEX FDS	EXTEND MKT ETF	922908652	12,153	72	SH		SOLE		0	0	72
VANGUARD INDEX FDS	GROWTH ETF	922908736	38,524	103	SH		SOLE		0	0	103
VANGUARD INDEX FDS	LARGE CAP ETF	922908637	697,961	2,796	SH		SOLE		0	0	2,796
VANGUARD INDEX FDS	MCAP VL IDXVIP	922908512	11,709,659	77,841	SH		SOLE		0	0	77,841
VANGUARD INDEX FDS	MID CAP ETF	922908629	14,554,520	60,118	SH		SOLE		0	0	60,118
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	107,132	1,279	SH		SOLE		0	0	1,279
VANGUARD INDEX FDS	S&P 500 ETF SHS	922908363	6,579,024	13,155	SH		SOLE		0	0	13,155
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	8,462,361	46,364	SH		SOLE		0	0	46,364
VANGUARD INDEX FDS	SMALL CP ETF	922908751	6,743,832	30,929	SH		SOLE		0	0	30,929
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	1,501	6	SH		SOLE		0	0	6
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	14,842,119	55,482	SH		SOLE		0	0	55,482
VANGUARD INDEX FDS	VALUE ETF	922908744	16,028,219	99,920	SH		SOLE		0	0	99,920
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	520,353	8,874	SH		SOLE		0	0	8,874
VANGUARD INTL EQUITY INDEX F	FTSE EMR MKT ETF	922042858	5,850,303	133,691	SH		SOLE		0	0	133,691
VANGUARD INTL EQUITY INDEX F	FTSE SMCAP ETF	922042718	4,660,593	39,668	SH		SOLE		0	0	39,668
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	40,105	356	SH		SOLE		0	0	356
VANGUARD MUN BD FDS	TAX EXEMPT BD	922907746	1,477,694	29,489	SH		SOLE		0	0	29,489
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	3,118,940	39,021	SH		SOLE		0	0	39,021
VANGUARD SCOTTSDALE FDS	MTG-BKD SECS ETF	92206C771	1,010,880	22,266	SH		SOLE		0	0	22,266
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	11,539,083	149,325	SH		SOLE		0	0	149,325
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	204,822	1,122	SH		SOLE		0	0	1,122
VANGUARD TAX-MANAGED FDS	VAN FTSE DEV MKT	921943858	13,395,466	271,054	SH		SOLE		0	0	271,054
VANGUARD WELLINGTON FD	SHORT TRM TAX EX	921935870	42,330	423	SH		SOLE		0	0	423
VANGUARD WORLD FD	CONSUM STP ETF	92204A207	7,716	38	SH		SOLE		0	0	38
VANGUARD WORLD FD	ESG US STK ETF	921910733	116,911	1,210	SH		SOLE		0	0	1,210
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	11,898,955	60,312	SH		SOLE		0	0	60,312
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	6,772,394	57,151	SH		SOLE		0	0	57,151
VANGUARD WORLD FD	UTILITIES ETF	92204A876	1,480	10	SH		SOLE		0	0	10
VEEVA SYS INC	CL A COM	922475108	9,700	53	SH		SOLE		0	0	53
VERALTO CORP	COM SHS	92338C103	7,161	75	SH		SOLE		0	0	75
VERISK ANALYTICS INC	COM	92345Y106	16,443	61	SH		SOLE		0	0	61
VERIZON COMMUNICATIONS INC	COM	92343V104	31,961	775	SH		SOLE		0	0	775
VERTEX PHARMACEUTICALS INC	COM	92532F100	29,999	64	SH		SOLE		0	0	64
VIATRIS INC	COM	92556V106	25	2	SH		SOLE		0	0	2
VISA INC	COM CL A	92826C839	114,437	436	SH		SOLE		0	0	436
WABTEC	COM	929740108	1,492	9	SH		SOLE		0	0	9
WALMART INC	COM	931142103	266,913	3,942	SH		SOLE		0	0	3,942
WARNER BROS DISCOVERY INC	COM SER A	934423104	1,608	216	SH		SOLE		0	0	216
WASTE MGMT INC DEL	COM	94106L109	69,336	325	SH		SOLE		0	0	325
WEC ENERGY GROUP INC	COM	92939U106	11,377	145	SH		SOLE		0	0	145
WELLS FARGO CO NEW	COM	949746101	62,963	1,060	SH		SOLE		0	0	1,060
WELLTOWER INC	COM	95040Q104	52,125	500	SH		SOLE		0	0	500
WEST PHARMACEUTICAL SVSC INC	COM	955306105	15,152	46	SH		SOLE		0	0	46
WEYERHAEUSER CO MTN BE	COM NEW	962166104	5,678	200	SH		SOLE		0	0	200
WILLIAMS COS INC	COM	969457100	10,710	252	SH		SOLE		0	0	252
WISDOMTREE TR	INDIA ERNGS FD	97717W422	88,546	1,834	SH		SOLE		0	0	1,834
WOLFSPEED INC	COM	977852102	2,276	100	SH		SOLE		0	0	100
ZOETIS INC	CL A	98978V103	70,905	409	SH		SOLE		0	0	409