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
Expires:	Oct 31, 2018
Estimated average burden
hours per response:		23.8

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	229	2,107	SH		SOLE		2,107	0	0
ABBVIE INC	COM	00287Y109	643	4,196	SH		SOLE		4,196	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,798	825	SH		SOLE		825	0	0
ALTRIA GROUP INC	COM	02209S103	777	18,592	SH		SOLE		18,592	0	0
AMAZON COM INC	COM	023135106	1,271	11,964	SH		SOLE		11,964	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	271	2,820	SH		SOLE		2,820	0	0
AMGEN INC	COM	031162100	262	1,077	SH		SOLE		1,077	0	0
APPLE INC	COM	037833100	5,382	39,364	SH		SOLE		39,364	0	0
AT&T INC	COM	00206R102	564	26,932	SH		SOLE		26,932	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,213	4,441	SH		SOLE		4,441	0	0
BK OF AMERICA CORP	COM	060505104	256	8,234	SH		SOLE		8,234	0	0
BLACKROCK INC	COM	09247X101	463	761	SH		SOLE		761	0	0
BLACKSTONE INC	COM	09260D107	315	3,455	SH		SOLE		3,455	0	0
BOEING CO	COM	097023105	281	2,054	SH		SOLE		2,054	0	0
CATERPILLAR INC	COM	149123101	561	3,137	SH		SOLE		3,137	0	0
CHEVRON CORP NEW	COM	166764100	771	5,327	SH		SOLE		5,327	0	0
CIGNA CORP NEW	COM	125523100	227	861	SH		SOLE		861	0	0
CITIGROUP INC	COM NEW	172967424	237	5,160	SH		SOLE		5,160	0	0
COCA COLA CO	COM	191216100	639	10,152	SH		SOLE		10,152	0	0
CONSOLIDATED EDISON INC	COM	209115104	228	2,396	SH		SOLE		2,396	0	0
CROWN CASTLE INTL CORP NEW	COM	22822V101	737	4,377	SH		SOLE		4,377	0	0
DISNEY WALT CO	COM	254687106	474	5,022	SH		SOLE		5,022	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	515	4,806	SH		SOLE		4,806	0	0
ENBRIDGE INC	COM	29250N105	335	7,925	SH		SOLE		7,925	0	0
EXXON MOBIL CORP	COM	30231G102	1,547	18,070	SH		SOLE		18,070	0	0
FIRST TR EXCH TRADED FD III	MANAGD MUN ETF	33739N108	203	4,020	SH		SOLE		4,020	0	0
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	394	8,925	SH		SOLE		8,925	0	0
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	2,207	37,161	SH		SOLE		37,161	0	0
FLEXSHARES TR	QUALT DIVD IDX	33939L860	381	7,515	SH		SOLE		7,515	0	0
FORD MTR CO DEL	COM	345370860	163	14,679	SH		SOLE		14,679	0	0
GENERAL DYNAMICS CORP	COM	369550108	340	1,537	SH		SOLE		1,537	0	0
INTEL CORP	COM	458140100	600	16,047	SH		SOLE		16,047	0	0
INVESCO EXCH TRADED FD TR II	NATL AMT MUNI	46138E537	591	25,200	SH		SOLE		25,200	0	0
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	364	7,086	SH		SOLE		7,086	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	1,358	21,902	SH		SOLE		21,902	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	2,970	10,595	SH		SOLE		10,595	0	0
ISHARES TR	CORE MSCI TOTAL	46432F834	343	6,020	SH		SOLE		6,020	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	276	1,219	SH		SOLE		1,219	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	278	3,008	SH		SOLE		3,008	0	0
ISHARES TR	CORE S&P500 ETF	464287200	10,107	26,656	SH		SOLE		26,656	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	2,445	48,473	SH		SOLE		48,473	0	0
ISHARES TR	TIPS BD ETF	464287176	8,214	72,107	SH		SOLE		72,107	0	0
ISHARES TR	US CONSM STAPLES	464287812	296	1,520	SH		SOLE		1,520	0	0
ISHARES TR	MICRO-CAP ETF	464288869	233	2,242	SH		SOLE		2,242	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	806	7,576	SH		SOLE		7,576	0	0
ISHARES TR	US HLTHCARE ETF	464287762	612	2,275	SH		SOLE		2,275	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	598	5,955	SH		SOLE		5,955	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	983	19,625	SH		SOLE		19,625	0	0
JOHNSON & JOHNSON	COM	478160104	4,179	23,541	SH		SOLE		23,541	0	0
JPMORGAN CHASE & CO	COM	46625H100	656	5,827	SH		SOLE		5,827	0	0
LOCKHEED MARTIN CORP	COM	539830109	837	1,946	SH		SOLE		1,946	0	0
LUMEN TECHNOLOGIES INC	COM	550241103	150	13,718	SH		SOLE		13,718	0	0
MCDONALDS CORP	COM	580135101	574	2,326	SH		SOLE		2,326	0	0
MICROSOFT CORP	COM	594918104	3,594	13,994	SH		SOLE		13,994	0	0
PAYCHEX INC	COM	704326107	280	2,457	SH		SOLE		2,457	0	0
PEPSICO INC	COM	713448108	293	1,760	SH		SOLE		1,760	0	0
PFIZER INC	COM	717081103	362	6,912	SH		SOLE		6,912	0	0
PHILIP MORRIS INTL INC	COM	718172109	311	3,147	SH		SOLE		3,147	0	0
PROCTER AND GAMBLE CO	COM	742718109	3,903	27,143	SH		SOLE		27,143	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	237	2,466	SH		SOLE		2,466	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,224	27,693	SH		SOLE		27,693	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	239	3,815	SH		SOLE		3,815	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	907	12,666	SH		SOLE		12,666	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	383	8,565	SH		SOLE		8,565	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	393	10,069	SH		SOLE		10,069	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	623	9,974	SH		SOLE		9,974	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	410	7,068	SH		SOLE		7,068	0	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	209	1,523	SH		SOLE		1,523	0	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	625	8,663	SH		SOLE		8,663	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	462	3,632	SH		SOLE		3,632	0	0
SOUTHERN CO	COM	842587107	256	3,587	SH		SOLE		3,587	0	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	1,250	4,062	SH		SOLE		4,062	0	0
SPDR GOLD TR	GOLD SHS	78463V107	239	1,417	SH		SOLE		1,417	0	0
UNION PAC CORP	COM	907818108	214	1,005	SH		SOLE		1,005	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	517	2,833	SH		SOLE		2,833	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	255	496	SH		SOLE		496	0	0
VANECK ETF TRUST	VANECK SHRT MUNI	92189F528	171	10,000	SH		SOLE		10,000	0	0
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	261	4,854	SH		SOLE		4,854	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	210	2,785	SH		SOLE		2,785	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	204	1,364	SH		SOLE		1,364	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	8,621	38,677	SH		SOLE		38,677	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,424	12,850	SH		SOLE		12,850	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	6,119	31,064	SH		SOLE		31,064	0	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	245	1,243	SH		SOLE		1,243	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	6,070	34,469	SH		SOLE		34,469	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	6,392	48,471	SH		SOLE		48,471	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	222	2,442	SH		SOLE		2,442	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	827	9,687	SH		SOLE		9,687	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	254	5,075	SH		SOLE		5,075	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	1,297	16,207	SH		SOLE		16,207	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	5,906	77,441	SH		SOLE		77,441	0	0
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	235	4,000	SH		SOLE		4,000	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	18,429	128,449	SH		SOLE		128,449	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	635	6,248	SH		SOLE		6,248	0	0
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	2,890	30,049	SH		SOLE		30,049	0	0
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	5,137	38,971	SH		SOLE		38,971	0	0
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	893	4,913	SH		SOLE		4,913	0	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	1,468	4,497	SH		SOLE		4,497	0	0
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	1,110	7,283	SH		SOLE		7,283	0	0
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	3,977	16,889	SH		SOLE		16,889	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	1,783	17,924	SH		SOLE		17,924	0	0
VANGUARD WORLD FDS	INDUSTRIAL ETF	92204A603	688	4,215	SH		SOLE		4,215	0	0
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	901	5,625	SH		SOLE		5,625	0	0
VANGUARD WORLD FDS	CONSUM DIS ETF	92204A108	845	3,716	SH		SOLE		3,716	0	0
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	1,554	8,386	SH		SOLE		8,386	0	0
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	1,874	24,281	SH		SOLE		24,281	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,461	28,784	SH		SOLE		28,784	0	0
VISA INC	COM CL A	92826C839	1,438	7,306	SH		SOLE		7,306	0	0
WALMART INC	COM	931142103	1,009	8,302	SH		SOLE		8,302	0	0
WELLTOWER INC	COM	95040Q104	925	11,239	SH		SOLE		11,239	0	0
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	238	8,420	SH		SOLE		8,420	0	0