Gray Wealth Management 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
ABBOTT LABS	COM	002824100	249	2,104	SH		SOLE		2,104	0	0
ABBVIE INC	COM	00287Y109	423	3,924	SH		SOLE		3,924	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,503	562	SH		SOLE		562	0	0
ALTRIA GROUP INC	COM	02209S103	686	15,071	SH		SOLE		15,071	0	0
AMAZON COM INC	COM	023135106	1,587	483	SH		SOLE		483	0	0
AMGEN INC	COM	031162100	228	1,070	SH		SOLE		1,070	0	0
APPLE INC	COM	037833100	5,484	38,756	SH		SOLE		38,756	0	0
AT&T INC	COM	00206R102	476	17,607	SH		SOLE		17,607	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	970	3,552	SH		SOLE		3,552	0	0
BK OF AMERICA CORP	COM	060505104	348	8,193	SH		SOLE		8,193	0	0
BLACKROCK INC	COM	09247X101	538	642	SH		SOLE		642	0	0
BLACKSTONE INC	COM	09260D107	402	3,452	SH		SOLE		3,452	0	0
BOEING CO	COM	097023105	553	2,513	SH		SOLE		2,513	0	0
CATERPILLAR INC	COM	149123101	534	2,779	SH		SOLE		2,779	0	0
CHEVRON CORP NEW	COM	166764100	565	5,574	SH		SOLE		5,574	0	0
CIGNA CORP NEW	COM	125523100	326	1,630	SH		SOLE		1,630	0	0
CISCO SYS INC	COM	17275R102	230	4,224	SH		SOLE		4,224	0	0
CITIGROUP INC	COM NEW	172967424	211	3,003	SH		SOLE		3,003	0	0
CLOROX CO DEL	COM	189054109	289	1,744	SH		SOLE		1,744	0	0
COCA COLA CO	COM	191216100	429	8,180	SH		SOLE		8,180	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	769	4,435	SH		SOLE		4,435	0	0
DISNEY WALT CO	COM	254687106	1,003	5,931	SH		SOLE		5,931	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	397	4,073	SH		SOLE		4,073	0	0
ENBRIDGE INC	COM	29250N105	238	5,985	SH		SOLE		5,985	0	0
EXXON MOBIL CORP	COM	30231G102	839	14,265	SH		SOLE		14,265	0	0
FACEBOOK INC	CL A	30303M102	204	602	SH		SOLE		602	0	0
FIRST TR EXCH TRADED FD III	MANAGD MUN ETF	33739N108	239	4,205	SH		SOLE		4,205	0	0
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	370	7,732	SH		SOLE		7,732	0	0
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	4,017	67,004	SH		SOLE		67,004	0	0
FLEXSHARES TR	QUALT DIVD IDX	33939L860	447	8,040	SH		SOLE		8,040	0	0
FORD MTR CO DEL	COM	345370860	184	12,997	SH		SOLE		12,997	0	0
HOME DEPOT INC	COM	437076102	267	812	SH		SOLE		812	0	0
IDEXX LABS INC	COM	45168D104	289	465	SH		SOLE		465	0	0
INTEL CORP	COM	458140100	856	16,072	SH		SOLE		16,072	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	1,290	21,197	SH		SOLE		21,197	0	0
INVESCO EXCH TRADED FD TR II	NATL AMT MUNI	46138E537	750	27,922	SH		SOLE		27,922	0	0
INVESCO EXCH TRADED FD TR II	S&P INTL LOW	46138E230	372	7,086	SH		SOLE		7,086	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	3,684	10,291	SH		SOLE		10,291	0	0
ISHARES TR	CORE MSCI TOTAL	46432F834	416	5,861	SH		SOLE		5,861	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	490	5,200	SH		SOLE		5,200	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	377	1,434	SH		SOLE		1,434	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	2,855	45,470	SH		SOLE		45,470	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	328	3,002	SH		SOLE		3,002	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	260	1,956	SH		SOLE		1,956	0	0
ISHARES TR	U.S. TECH ETF	464287721	264	2,607	SH		SOLE		2,607	0	0
ISHARES TR	MICRO-CAP ETF	464288869	323	2,241	SH		SOLE		2,241	0	0
ISHARES TR	US CONSM STAPLES	464287812	237	1,320	SH		SOLE		1,320	0	0
ISHARES TR	US HLTHCARE ETF	464287762	639	2,315	SH		SOLE		2,315	0	0
ISHARES TR	TIPS BD ETF	464287176	9,478	74,225	SH		SOLE		74,225	0	0
ISHARES TR	CORE S&P500 ETF	464287200	11,110	25,789	SH		SOLE		25,789	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	780	6,717	SH		SOLE		6,717	0	0
ISHARES TR	DOW JONES US ETF	464287846	202	1,876	SH		SOLE		1,876	0	0
JOHNSON & JOHNSON	COM	478160104	3,516	21,774	SH		SOLE		21,774	0	0
JPMORGAN CHASE & CO	COM	46625H100	821	5,018	SH		SOLE		5,018	0	0
LOCKHEED MARTIN CORP	COM	539830109	459	1,329	SH		SOLE		1,329	0	0
LOWES COS INC	COM	548661107	265	1,304	SH		SOLE		1,304	0	0
MCDONALDS CORP	COM	580135101	542	2,249	SH		SOLE		2,249	0	0
MICROSOFT CORP	COM	594918104	3,569	12,661	SH		SOLE		12,661	0	0
PAYCHEX INC	COM	704326107	282	2,507	SH		SOLE		2,507	0	0
PAYPAL HLDGS INC	COM	70450Y103	512	1,967	SH		SOLE		1,967	0	0
PEPSICO INC	COM	713448108	276	1,837	SH		SOLE		1,837	0	0
PFIZER INC	COM	717081103	253	5,878	SH		SOLE		5,878	0	0
PHILIP MORRIS INTL INC	COM	718172109	294	3,096	SH		SOLE		3,096	0	0
PROCTER AND GAMBLE CO	COM	742718109	3,541	25,328	SH		SOLE		25,328	0	0
SALESFORCE COM INC	COM	79466L302	265	977	SH		SOLE		977	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	292	3,813	SH		SOLE		3,813	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	209	3,338	SH		SOLE		3,338	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	527	3,560	SH		SOLE		3,560	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	503	5,026	SH		SOLE		5,026	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	480	4,611	SH		SOLE		4,611	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,406	13,537	SH		SOLE		13,537	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	883	11,888	SH		SOLE		11,888	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	623	4,174	SH		SOLE		4,174	0	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	273	1,523	SH		SOLE		1,523	0	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	590	8,571	SH		SOLE		8,571	0	0
SHOPIFY INC	CL A	82509L107	206	152	SH		SOLE		152	0	0
SOUTHERN CO	COM	842587107	222	3,574	SH		SOLE		3,574	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	212	494	SH		SOLE		494	0	0
TARGET CORP	COM	87612E106	219	958	SH		SOLE		958	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	282	1,631	SH		SOLE		1,631	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	500	2,748	SH		SOLE		2,748	0	0
VANECK ETF TRUST	VANECK SHRT MUNI	92189F528	180	10,000	SH		SOLE		10,000	0	0
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	321	5,145	SH		SOLE		5,145	0	0
VANECK ETF TRUST	INTRMDT MUNI ETF	92189H201	320	6,248	SH		SOLE		6,248	0	0
VANGUARD BD INDEX FDS	SHORT TRM BOND	921937827	222	2,714	SH		SOLE		2,714	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	582	6,809	SH		SOLE		6,809	0	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	322	1,149	SH		SOLE		1,149	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	213	1,259	SH		SOLE		1,259	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,777	12,507	SH		SOLE		12,507	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	251	2,471	SH		SOLE		2,471	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	4,708	34,777	SH		SOLE		34,777	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	12,129	41,799	SH		SOLE		41,799	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	7,093	29,960	SH		SOLE		29,960	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	7,122	32,569	SH		SOLE		32,569	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	322	5,288	SH		SOLE		5,288	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	1,004	9,862	SH		SOLE		9,862	0	0
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	333	5,420	SH		SOLE		5,420	0	0
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	208	3,083	SH		SOLE		3,083	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	7,115	86,339	SH		SOLE		86,339	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	2,652	28,095	SH		SOLE		28,095	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	19,239	125,254	SH		SOLE		125,254	0	0
VANGUARD STAR FDS	VG TL INTL STK F	921909768	275	4,343	SH		SOLE		4,343	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	530	5,125	SH		SOLE		5,125	0	0
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	5,936	38,955	SH		SOLE		38,955	0	0
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	2,274	23,237	SH		SOLE		23,237	0	0
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	1,125	4,790	SH		SOLE		4,790	0	0
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	2,081	22,458	SH		SOLE		22,458	0	0
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	707	5,080	SH		SOLE		5,080	0	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	2,268	5,651	SH		SOLE		5,651	0	0
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	1,151	6,420	SH		SOLE		6,420	0	0
VANGUARD WORLD FDS	INDUSTRIAL ETF	92204A603	858	4,564	SH		SOLE		4,564	0	0
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	4,025	16,283	SH		SOLE		16,283	0	0
VANGUARD WORLD FDS	CONSUM DIS ETF	92204A108	1,429	4,611	SH		SOLE		4,611	0	0
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	585	3,377	SH		SOLE		3,377	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	962	13,023	SH		SOLE		13,023	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,495	27,681	SH		SOLE		27,681	0	0
VISA INC	COM CL A	92826C839	1,724	7,739	SH		SOLE		7,739	0	0
WALMART INC	COM	931142103	1,138	8,161	SH		SOLE		8,161	0	0
WELLTOWER INC	COM	95040Q104	863	10,476	SH		SOLE		10,476	0	0
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	247	8,022	SH		SOLE		8,022	0	0