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	202	2,086	SH		SOLE		2,086	0	0
ABBVIE INC	COM	00287Y109	568	4,236	SH		SOLE		4,236	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,587	16,587	SH		SOLE		16,587	0	0
ALTRIA GROUP INC	COM	02209S103	763	18,896	SH		SOLE		18,896	0	0
AMAZON COM INC	COM	023135106	1,395	12,344	SH		SOLE		12,344	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	244	2,824	SH		SOLE		2,824	0	0
AMGEN INC	COM	031162100	243	1,079	SH		SOLE		1,079	0	0
APPLE INC	COM	037833100	5,481	39,663	SH		SOLE		39,663	0	0
AT&T INC	COM	00206R102	429	27,934	SH		SOLE		27,934	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,265	4,738	SH		SOLE		4,738	0	0
BK OF AMERICA CORP	COM	060505104	249	8,234	SH		SOLE		8,234	0	0
BLACKROCK INC	COM	09247X101	430	781	SH		SOLE		781	0	0
BLACKSTONE INC	COM	09260D107	274	3,275	SH		SOLE		3,275	0	0
BOEING CO	COM	097023105	254	2,094	SH		SOLE		2,094	0	0
CATERPILLAR INC	COM	149123101	515	3,137	SH		SOLE		3,137	0	0
CHEVRON CORP NEW	COM	166764100	777	5,407	SH		SOLE		5,407	0	0
CIGNA CORP NEW	COM	125523100	239	861	SH		SOLE		861	0	0
CITIGROUP INC	COM NEW	172967424	241	5,793	SH		SOLE		5,793	0	0
COCA COLA CO	COM	191216100	618	11,030	SH		SOLE		11,030	0	0
CROWN CASTLE INC	COM	22822V101	613	4,241	SH		SOLE		4,241	0	0
DISNEY WALT CO	COM	254687106	438	4,645	SH		SOLE		4,645	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	449	4,825	SH		SOLE		4,825	0	0
ENBRIDGE INC	COM	29250N105	294	7,925	SH		SOLE		7,925	0	0
EXXON MOBIL CORP	COM	30231G102	1,588	18,185	SH		SOLE		18,185	0	0
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	382	8,675	SH		SOLE		8,675	0	0
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	2,257	38,044	SH		SOLE		38,044	0	0
FLEXSHARES TR	QUALT DIVD IDX	33939L860	355	7,515	SH		SOLE		7,515	0	0
FORD MTR CO DEL	COM	345370860	159	14,195	SH		SOLE		14,195	0	0
GENERAL DYNAMICS CORP	COM	369550108	374	1,764	SH		SOLE		1,764	0	0
INTEL CORP	COM	458140100	422	16,367	SH		SOLE		16,367	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	1,286	22,235	SH		SOLE		22,235	0	0
INVESCO EXCH TRADED FD TR II	NATL AMT MUNI	46138E537	556	25,200	SH		SOLE		25,200	0	0
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	340	7,086	SH		SOLE		7,086	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	2,826	10,576	SH		SOLE		10,576	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	2,239	47,448	SH		SOLE		47,448	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	279	3,200	SH		SOLE		3,200	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	257	2,000	SH		SOLE		2,000	0	0
ISHARES TR	US CONSM STAPLES	464287812	273	1,520	SH		SOLE		1,520	0	0
ISHARES TR	CORE S&P500 ETF	464287200	9,643	26,886	SH		SOLE		26,886	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	593	6,500	SH		SOLE		6,500	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	284	1,297	SH		SOLE		1,297	0	0
ISHARES TR	CORE MSCI TOTAL	46432F834	307	6,020	SH		SOLE		6,020	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	709	6,911	SH		SOLE		6,911	0	0
ISHARES TR	US HLTHCARE ETF	464287762	576	2,275	SH		SOLE		2,275	0	0
ISHARES TR	TIPS BD ETF	464287176	7,070	67,395	SH		SOLE		67,395	0	0
ISHARES TR	MICRO-CAP ETF	464288869	232	2,242	SH		SOLE		2,242	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	978	19,495	SH		SOLE		19,495	0	0
JOHNSON & JOHNSON	COM	478160104	3,925	24,027	SH		SOLE		24,027	0	0
JPMORGAN CHASE & CO	COM	46625H100	631	6,042	SH		SOLE		6,042	0	0
LILLY ELI & CO	COM	532457108	214	663	SH		SOLE		663	0	0
LOCKHEED MARTIN CORP	COM	539830109	1,048	2,713	SH		SOLE		2,713	0	0
LUMEN TECHNOLOGIES INC	COM	550241103	101	13,845	SH		SOLE		13,845	0	0
MCDONALDS CORP	COM	580135101	560	2,425	SH		SOLE		2,425	0	0
MICROSOFT CORP	COM	594918104	3,308	14,202	SH		SOLE		14,202	0	0
PAYCHEX INC	COM	704326107	268	2,393	SH		SOLE		2,393	0	0
PEPSICO INC	COM	713448108	289	1,770	SH		SOLE		1,770	0	0
PFIZER INC	COM	717081103	314	7,166	SH		SOLE		7,166	0	0
PHILIP MORRIS INTL INC	COM	718172109	263	3,166	SH		SOLE		3,166	0	0
PROCTER AND GAMBLE CO	COM	742718109	3,499	27,716	SH		SOLE		27,716	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	225	2,751	SH		SOLE		2,751	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	406	7,834	SH		SOLE		7,834	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	231	3,816	SH		SOLE		3,816	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	339	8,961	SH		SOLE		8,961	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	361	8,529	SH		SOLE		8,529	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	910	13,706	SH		SOLE		13,706	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,045	24,884	SH		SOLE		24,884	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	400	7,163	SH		SOLE		7,163	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	658	11,241	SH		SOLE		11,241	0	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	218	1,533	SH		SOLE		1,533	0	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	593	8,891	SH		SOLE		8,891	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	380	3,202	SH		SOLE		3,202	0	0
SOUTHERN CO	COM	842587107	244	3,591	SH		SOLE		3,591	0	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	1,406	4,895	SH		SOLE		4,895	0	0
SPDR GOLD TR	GOLD SHS	78463V107	219	1,416	SH		SOLE		1,416	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	220	1,520	SH		SOLE		1,520	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	458	2,833	SH		SOLE		2,833	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	250	496	SH		SOLE		496	0	0
VANECK ETF TRUST	VANECK SHRT MUNI	92189F528	166	10,000	SH		SOLE		10,000	0	0
VANECK ETF TRUST	HIGH YLD MUNIETF	92189H409	242	4,854	SH		SOLE		4,854	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,294	12,781	SH		SOLE		12,781	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	5,904	31,409	SH		SOLE		31,409	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	5,937	34,735	SH		SOLE		34,735	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	8,282	38,712	SH		SOLE		38,712	0	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	240	1,230	SH		SOLE		1,230	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	6,576	53,256	SH		SOLE		53,256	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	702	8,906	SH		SOLE		8,906	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	225	5,076	SH		SOLE		5,076	0	0
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	223	3,855	SH		SOLE		3,855	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	1,154	15,246	SH		SOLE		15,246	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	5,159	69,453	SH		SOLE		69,453	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	17,667	130,710	SH		SOLE		130,710	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	603	6,355	SH		SOLE		6,355	0	0
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	2,846	31,654	SH		SOLE		31,654	0	0
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	4,803	38,476	SH		SOLE		38,476	0	0
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	835	4,793	SH		SOLE		4,793	0	0
VANGUARD WORLD FDS	CONSUM DIS ETF	92204A108	879	3,739	SH		SOLE		3,739	0	0
VANGUARD WORLD FDS	INDUSTRIAL ETF	92204A603	662	4,203	SH		SOLE		4,203	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	1,823	17,944	SH		SOLE		17,944	0	0
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	835	5,625	SH		SOLE		5,625	0	0
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	3,848	17,201	SH		SOLE		17,201	0	0
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	1,488	8,664	SH		SOLE		8,664	0	0
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	1,085	7,628	SH		SOLE		7,628	0	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	1,357	4,414	SH		SOLE		4,414	0	0
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	1,799	24,162	SH		SOLE		24,162	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,114	29,329	SH		SOLE		29,329	0	0
VISA INC	COM CL A	92826C839	1,288	7,251	SH		SOLE		7,251	0	0
WALMART INC	COM	931142103	1,098	8,466	SH		SOLE		8,466	0	0
WELLTOWER INC	COM	95040Q104	725	11,267	SH		SOLE		11,267	0	0
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	222	8,620	SH		SOLE		8,620	0	0