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

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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	225,252	2,052	SH		SOLE		2,052	0	0
ABBVIE INC	COM	00287Y109	683,623	4,230	SH		SOLE		4,230	0	0
ALPHABET INC	CAP STK CL A	02079K305	1,495,358	16,948	SH		SOLE		16,948	0	0
ALTRIA GROUP INC	COM	02209S103	928,016	20,302	SH		SOLE		20,302	0	0
AMAZON COM INC	COM	023135106	1,117,552	13,304	SH		SOLE		13,304	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	315,549	3,323	SH		SOLE		3,323	0	0
AMGEN INC	COM	031162100	296,929	1,131	SH		SOLE		1,131	0	0
APPLE INC	COM	037833100	5,397,078	41,538	SH		SOLE		41,538	0	0
AT&T INC	COM	00206R102	725,014	39,382	SH		SOLE		39,382	0	0
BANK AMERICA CORP	COM	060505104	206,823	6,245	SH		SOLE		6,245	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	1,541,768	4,991	SH		SOLE		4,991	0	0
BLACKROCK INC	COM	09247X101	459,322	648	SH		SOLE		648	0	0
BOEING CO	COM	097023105	384,443	2,018	SH		SOLE		2,018	0	0
CATERPILLAR INC	COM	149123101	738,842	3,084	SH		SOLE		3,084	0	0
CHEVRON CORP NEW	COM	166764100	991,357	5,523	SH		SOLE		5,523	0	0
CIGNA CORP NEW	COM	125523100	282,964	854	SH		SOLE		854	0	0
CITIGROUP INC	COM NEW	172967424	225,820	4,993	SH		SOLE		4,993	0	0
COCA COLA CO	COM	191216100	748,325	11,764	SH		SOLE		11,764	0	0
CONOCOPHILLIPS	COM	20825C104	204,545	1,733	SH		SOLE		1,733	0	0
CONSOLIDATED EDISON INC	COM	209115104	206,537	2,167	SH		SOLE		2,167	0	0
CROWN CASTLE INC	COM	22822V101	572,875	4,224	SH		SOLE		4,224	0	0
DISNEY WALT CO	COM	254687106	293,663	3,380	SH		SOLE		3,380	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	546,561	5,307	SH		SOLE		5,307	0	0
ENBRIDGE INC	COM	29250N105	333,914	8,540	SH		SOLE		8,540	0	0
EXXON MOBIL CORP	COM	30231G102	2,216,130	20,092	SH		SOLE		20,092	0	0
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	344,681	7,730	SH		SOLE		7,730	0	0
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	2,148,067	36,138	SH		SOLE		36,138	0	0
FLEXSHARES TR	QUALT DIVD IDX	33939L860	432,372	8,220	SH		SOLE		8,220	0	0
FORD MTR CO DEL	COM	345370860	163,701	14,076	SH		SOLE		14,076	0	0
GENERAL DYNAMICS CORP	COM	369550108	474,883	1,914	SH		SOLE		1,914	0	0
GENERAL MLS INC	COM	370334104	213,389	2,545	SH		SOLE		2,545	0	0
GENUINE PARTS CO	COM	372460105	269,192	1,551	SH		SOLE		1,551	0	0
IDEXX LABS INC	COM	45168D104	228,050	559	SH		SOLE		559	0	0
INTEL CORP	COM	458140100	380,001	14,378	SH		SOLE		14,378	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	217,474	1,544	SH		SOLE		1,544	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	1,407,784	22,031	SH		SOLE		22,031	0	0
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	352,285	6,586	SH		SOLE		6,586	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	2,734,547	10,269	SH		SOLE		10,269	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	290,140	2,000	SH		SOLE		2,000	0	0
ISHARES TR	US HLTHCARE ETF	464287762	646,469	2,279	SH		SOLE		2,279	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	306,426	3,238	SH		SOLE		3,238	0	0
ISHARES TR	CORE S&P500 ETF	464287200	10,568,396	27,507	SH		SOLE		27,507	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	370,481	3,511	SH		SOLE		3,511	0	0
ISHARES TR	CORE MSCI TOTAL	46432F834	380,272	6,570	SH		SOLE		6,570	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	693,717	6,655	SH		SOLE		6,655	0	0
ISHARES TR	TIPS BD ETF	464287176	5,742,710	53,953	SH		SOLE		53,953	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	2,433,138	46,284	SH		SOLE		46,284	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	283,082	1,170	SH		SOLE		1,170	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	227,682	2,805	SH		SOLE		2,805	0	0
ISHARES TR	MICRO-CAP ETF	464288869	241,820	2,243	SH		SOLE		2,243	0	0
ISHARES TR	US CONSM STAPLES	464287812	308,910	1,523	SH		SOLE		1,523	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	2,515,072	50,171	SH		SOLE		50,171	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	447,083	8,847	SH		SOLE		8,847	0	0
JOHNSON & JOHNSON	COM	478160104	4,459,060	25,242	SH		SOLE		25,242	0	0
JPMORGAN CHASE & CO	COM	46625H100	867,109	6,466	SH		SOLE		6,466	0	0
LILLY ELI & CO	COM	532457108	374,089	1,023	SH		SOLE		1,023	0	0
LOCKHEED MARTIN CORP	COM	539830109	1,784,633	3,668	SH		SOLE		3,668	0	0
MCDONALDS CORP	COM	580135101	697,628	2,647	SH		SOLE		2,647	0	0
MERCK & CO INC	COM	58933Y105	210,070	1,893	SH		SOLE		1,893	0	0
MICROSOFT CORP	COM	594918104	3,465,102	14,449	SH		SOLE		14,449	0	0
PAYCHEX INC	COM	704326107	276,606	2,394	SH		SOLE		2,394	0	0
PEPSICO INC	COM	713448108	344,803	1,909	SH		SOLE		1,909	0	0
PFIZER INC	COM	717081103	383,573	7,486	SH		SOLE		7,486	0	0
PHILIP MORRIS INTL INC	COM	718172109	327,052	3,231	SH		SOLE		3,231	0	0
PROCTER AND GAMBLE CO	COM	742718109	4,380,259	28,901	SH		SOLE		28,901	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	372,395	3,690	SH		SOLE		3,690	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	717,968	10,875	SH		SOLE		10,875	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	396,896	7,144	SH		SOLE		7,144	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,046,857	13,858	SH		SOLE		13,858	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	354,625	8,754	SH		SOLE		8,754	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	247,283	3,769	SH		SOLE		3,769	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	1,310,528	25,305	SH		SOLE		25,305	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,125,028	25,107	SH		SOLE		25,107	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	321,513	7,121	SH		SOLE		7,121	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	281,483	2,262	SH		SOLE		2,262	0	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	671,887	9,013	SH		SOLE		9,013	0	0
SOUTHERN CO	COM	842587107	256,746	3,595	SH		SOLE		3,595	0	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	1,591,378	4,803	SH		SOLE		4,803	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	308,695	807	SH		SOLE		807	0	0
SPDR SER TR	NUVEEN BLOOMBERG	78464A284	326,973	6,677	SH		SOLE		6,677	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	251,295	1,495	SH		SOLE		1,495	0	0
UNION PAC CORP	COM	907818108	208,182	1,005	SH		SOLE		1,005	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	505,533	2,908	SH		SOLE		2,908	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	315,987	596	SH		SOLE		596	0	0
VALERO ENERGY CORP	COM	91913Y100	277,419	2,187	SH		SOLE		2,187	0	0
VANECK ETF TRUST	VANECK SHRT MUNI	92189F528	168,800	10,000	SH		SOLE		10,000	0	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	236,637	1,180	SH		SOLE		1,180	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	6,392,759	31,366	SH		SOLE		31,366	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	6,307,657	34,367	SH		SOLE		34,367	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	8,017,454	57,117	SH		SOLE		57,117	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	7,998,157	37,531	SH		SOLE		37,531	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	214,221	1,349	SH		SOLE		1,349	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,291,193	11,984	SH		SOLE		11,984	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	675,276	7,835	SH		SOLE		7,835	0	0
VANGUARD SCOTTSDALE FDS	SHORT TERM TREAS	92206C102	222,896	3,855	SH		SOLE		3,855	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	4,976,801	66,190	SH		SOLE		66,190	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	1,153,726	14,885	SH		SOLE		14,885	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	19,580,357	128,945	SH		SOLE		128,945	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	688,063	6,359	SH		SOLE		6,359	0	0
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	3,345,527	32,528	SH		SOLE		32,528	0	0
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	821,806	4,776	SH		SOLE		4,776	0	0
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	4,924,809	37,196	SH		SOLE		37,196	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	2,236,025	18,437	SH		SOLE		18,437	0	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	1,325,098	4,149	SH		SOLE		4,149	0	0
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	4,293,720	17,310	SH		SOLE		17,310	0	0
VANGUARD WORLD FDS	INDUSTRIAL ETF	92204A603	737,683	4,039	SH		SOLE		4,039	0	0
VANGUARD WORLD FDS	CONSUM DIS ETF	92204A108	730,432	3,335	SH		SOLE		3,335	0	0
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	831,276	4,884	SH		SOLE		4,884	0	0
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	1,963,856	23,738	SH		SOLE		23,738	0	0
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	1,202,019	7,838	SH		SOLE		7,838	0	0
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	1,970,872	10,288	SH		SOLE		10,288	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	1,027,174	26,070	SH		SOLE		26,070	0	0
VISA INC	COM CL A	92826C839	1,497,555	7,208	SH		SOLE		7,208	0	0
WALMART INC	COM	931142103	1,320,161	9,311	SH		SOLE		9,311	0	0
WELLTOWER INC	COM	95040Q104	711,415	10,853	SH		SOLE		10,853	0	0
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	244,157	8,585	SH		SOLE		8,585	0	0