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	296	2,104	SH		SOLE		2,104	0	0
ABBVIE INC	COM	00287Y109	553	4,082	SH		SOLE		4,082	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,895	654	SH		SOLE		654	0	0
ALTRIA GROUP INC	COM	02209S103	728	15,356	SH		SOLE		15,356	0	0
AMAZON COM INC	COM	023135106	1,714	514	SH		SOLE		514	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	250	2,811	SH		SOLE		2,811	0	0
AMGEN INC	COM	031162100	241	1,072	SH		SOLE		1,072	0	0
APPLE INC	COM	037833100	7,078	39,862	SH		SOLE		39,862	0	0
AT&T INC	COM	00206R102	383	15,559	SH		SOLE		15,559	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,157	3,869	SH		SOLE		3,869	0	0
BK OF AMERICA CORP	COM	060505104	387	8,700	SH		SOLE		8,700	0	0
BLACKROCK INC	COM	09247X101	677	739	SH		SOLE		739	0	0
BLACKSTONE INC	COM	09260D107	447	3,452	SH		SOLE		3,452	0	0
BOEING CO	COM	097023105	511	2,538	SH		SOLE		2,538	0	0
CATERPILLAR INC	COM	149123101	595	2,876	SH		SOLE		2,876	0	0
CHEVRON CORP NEW	COM	166764100	635	5,407	SH		SOLE		5,407	0	0
CISCO SYS INC	COM	17275R102	268	4,228	SH		SOLE		4,228	0	0
CITIGROUP INC	COM NEW	172967424	223	3,685	SH		SOLE		3,685	0	0
COCA COLA CO	COM	191216100	539	9,111	SH		SOLE		9,111	0	0
CONSOLIDATED EDISON INC	COM	209115104	204	2,396	SH		SOLE		2,396	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	932	4,467	SH		SOLE		4,467	0	0
DISNEY WALT CO	COM	254687106	991	6,395	SH		SOLE		6,395	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	485	4,623	SH		SOLE		4,623	0	0
ENBRIDGE INC	COM	29250N105	292	7,460	SH		SOLE		7,460	0	0
EXXON MOBIL CORP	COM	30231G102	927	15,157	SH		SOLE		15,157	0	0
FIRST TR EXCH TRADED FD III	MANAGD MUN ETF	33739N108	229	4,020	SH		SOLE		4,020	0	0
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	2,853	47,703	SH		SOLE		47,703	0	0
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	380	7,922	SH		SOLE		7,922	0	0
FLEXSHARES TR	QUALT DIVD IDX	33939L860	493	8,040	SH		SOLE		8,040	0	0
FORD MTR CO DEL	COM	345370860	277	13,327	SH		SOLE		13,327	0	0
GENERAL DYNAMICS CORP	COM	369550108	234	1,123	SH		SOLE		1,123	0	0
HOME DEPOT INC	COM	437076102	329	792	SH		SOLE		792	0	0
IDEXX LABS INC	COM	45168D104	316	480	SH		SOLE		480	0	0
INTEL CORP	COM	458140100	822	15,965	SH		SOLE		15,965	0	0
INVESCO EXCH TRADED FD TR II	NATL AMT MUNI	46138E537	757	27,922	SH		SOLE		27,922	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	1,438	20,947	SH		SOLE		20,947	0	0
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	414	7,086	SH		SOLE		7,086	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	4,367	10,977	SH		SOLE		10,977	0	0
ISHARES TR	CORE S&P500 ETF	464287200	12,434	26,068	SH		SOLE		26,068	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	344	3,005	SH		SOLE		3,005	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	235	1,771	SH		SOLE		1,771	0	0
ISHARES TR	US HLTHCARE ETF	464287762	696	2,317	SH		SOLE		2,317	0	0
ISHARES TR	TIPS BD ETF	464287176	10,585	81,929	SH		SOLE		81,929	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	415	1,467	SH		SOLE		1,467	0	0
ISHARES TR	CORE MSCI TOTAL	46432F834	420	5,915	SH		SOLE		5,915	0	0
ISHARES TR	MICRO-CAP ETF	464288869	313	2,241	SH		SOLE		2,241	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	556	5,505	SH		SOLE		5,505	0	0
ISHARES TR	U.S. TECH ETF	464287721	300	2,608	SH		SOLE		2,608	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	3,242	49,234	SH		SOLE		49,234	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	898	7,722	SH		SOLE		7,722	0	0
ISHARES TR	DOW JONES US ETF	464287846	221	1,876	SH		SOLE		1,876	0	0
ISHARES TR	US CONSM STAPLES	464287812	265	1,322	SH		SOLE		1,322	0	0
J P MORGAN EXCHANGE-TRADED F	ULTRA SHRT INC	46641Q837	810	16,048	SH		SOLE		16,048	0	0
JOHNSON & JOHNSON	COM	478160104	3,820	22,329	SH		SOLE		22,329	0	0
JPMORGAN CHASE & CO	COM	46625H100	818	5,168	SH		SOLE		5,168	0	0
LOCKHEED MARTIN CORP	COM	539830109	588	1,654	SH		SOLE		1,654	0	0
LOWES COS INC	COM	548661107	272	1,054	SH		SOLE		1,054	0	0
LUMEN TECHNOLOGIES INC	COM	550241103	212	16,869	SH		SOLE		16,869	0	0
MCDONALDS CORP	COM	580135101	620	2,311	SH		SOLE		2,311	0	0
META PLATFORMS INC	CL A	30303M102	206	612	SH		SOLE		612	0	0
MICROSOFT CORP	COM	594918104	4,571	13,590	SH		SOLE		13,590	0	0
NEXTERA ENERGY INC	COM	65339F101	201	2,156	SH		SOLE		2,156	0	0
PAYCHEX INC	COM	704326107	335	2,455	SH		SOLE		2,455	0	0
PAYPAL HLDGS INC	COM	70450Y103	391	2,072	SH		SOLE		2,072	0	0
PEPSICO INC	COM	713448108	282	1,621	SH		SOLE		1,621	0	0
PFIZER INC	COM	717081103	362	6,125	SH		SOLE		6,125	0	0
PHILIP MORRIS INTL INC	COM	718172109	296	3,113	SH		SOLE		3,113	0	0
PIMCO ETF TR	SHTRM MUN BD ACT	72201R874	234	4,561	SH		SOLE		4,561	0	0
PROCTER AND GAMBLE CO	COM	742718109	4,303	26,302	SH		SOLE		26,302	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	201	2,341	SH		SOLE		2,341	0	0
SALESFORCE COM INC	COM	79466L302	257	1,013	SH		SOLE		1,013	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	515	5,026	SH		SOLE		5,026	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	577	3,524	SH		SOLE		3,524	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	210	3,340	SH		SOLE		3,340	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	956	11,833	SH		SOLE		11,833	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	307	3,813	SH		SOLE		3,813	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	525	4,611	SH		SOLE		4,611	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,551	13,720	SH		SOLE		13,720	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	726	4,174	SH		SOLE		4,174	0	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	667	8,646	SH		SOLE		8,646	0	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	311	1,523	SH		SOLE		1,523	0	0
SHOPIFY INC	CL A	82509L107	209	152	SH		SOLE		152	0	0
SOUTHERN CO	COM	842587107	245	3,578	SH		SOLE		3,578	0	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	328	904	SH		SOLE		904	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	235	494	SH		SOLE		494	0	0
TARGET CORP	COM	87612E106	285	1,233	SH		SOLE		1,233	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	319	1,581	SH		SOLE		1,581	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	615	2,870	SH		SOLE		2,870	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	229	456	SH		SOLE		456	0	0
VANECK ETF TRUST	VANECK SHRT MUNI	92189F528	179	10,000	SH		SOLE		10,000	0	0
VANECK ETF TRUST	INTRMDT MUNI ETF	92189H201	224	4,368	SH		SOLE		4,368	0	0
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	321	5,145	SH		SOLE		5,145	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	542	6,397	SH		SOLE		6,397	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	5,171	35,149	SH		SOLE		35,149	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,113	12,895	SH		SOLE		12,895	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	14,012	43,665	SH		SOLE		43,665	0	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	339	1,204	SH		SOLE		1,204	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	281	2,421	SH		SOLE		2,421	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	7,910	31,047	SH		SOLE		31,047	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	225	1,259	SH		SOLE		1,259	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	7,740	34,247	SH		SOLE		34,247	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	1,074	10,000	SH		SOLE		10,000	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	324	5,290	SH		SOLE		5,290	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	1,821	19,633	SH		SOLE		19,633	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	7,065	86,942	SH		SOLE		86,942	0	0
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	321	5,280	SH		SOLE		5,280	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	22,384	130,328	SH		SOLE		130,328	0	0
VANGUARD STAR FDS	VG TL INTL STK F	921909768	239	3,765	SH		SOLE		3,765	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	663	5,917	SH		SOLE		5,917	0	0
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	6,602	39,280	SH		SOLE		39,280	0	0
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	1,299	4,980	SH		SOLE		4,980	0	0
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	2,708	25,349	SH		SOLE		25,349	0	0
VANGUARD WORLD FDS	INDUSTRIAL ETF	92204A603	979	4,826	SH		SOLE		4,826	0	0
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	1,015	5,156	SH		SOLE		5,156	0	0
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	873	5,578	SH		SOLE		5,578	0	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	2,673	5,833	SH		SOLE		5,833	0	0
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	2,261	23,416	SH		SOLE		23,416	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	1,242	16,001	SH		SOLE		16,001	0	0
VANGUARD WORLD FDS	COMM SRVC ETF	92204A884	201	1,485	SH		SOLE		1,485	0	0
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	4,483	16,827	SH		SOLE		16,827	0	0
VANGUARD WORLD FDS	CONSUM DIS ETF	92204A108	1,636	4,801	SH		SOLE		4,801	0	0
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	1,426	7,133	SH		SOLE		7,133	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,422	27,363	SH		SOLE		27,363	0	0
VISA INC	COM CL A	92826C839	1,702	7,856	SH		SOLE		7,856	0	0
WALMART INC	COM	931142103	1,112	7,688	SH		SOLE		7,688	0	0
WELLTOWER INC	COM	95040Q104	911	10,619	SH		SOLE		10,619	0	0
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	264	8,022	SH		SOLE		8,022	0	0
WISDOMTREE TR	US MIDCAP DIVID	97717W505	214	4,813	SH		SOLE		4,813	0	0