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	223,927	2,054	SH		SOLE		2,054	0	0
ABBVIE INC	COM	00287Y109	617,622	4,584	SH		SOLE		4,584	0	0
ALPHABET INC	CAP STK CL A	02079K305	2,209,711	18,460	SH		SOLE		18,460	0	0
ALTRIA GROUP INC	COM	02209S103	1,040,620	22,972	SH		SOLE		22,972	0	0
AMAZON COM INC	COM	023135106	1,738,637	13,337	SH		SOLE		13,337	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	281,621	3,345	SH		SOLE		3,345	0	0
AMGEN INC	COM	031162100	267,669	1,206	SH		SOLE		1,206	0	0
APPLE INC	COM	037833100	7,874,351	40,596	SH		SOLE		40,596	0	0
AT&T INC	COM	00206R102	779,683	48,883	SH		SOLE		48,883	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,010,248	5,895	SH		SOLE		5,895	0	0
BLACKROCK INC	COM	09247X101	409,573	593	SH		SOLE		593	0	0
BLACKSTONE INC	COM	09260D107	206,437	2,220	SH		SOLE		2,220	0	0
BOEING CO	COM	097023105	443,474	2,100	SH		SOLE		2,100	0	0
CATERPILLAR INC	COM	149123101	762,175	3,098	SH		SOLE		3,098	0	0
CHEVRON CORP NEW	COM	166764100	896,453	5,697	SH		SOLE		5,697	0	0
CISCO SYS INC	COM	17275R102	204,003	3,943	SH		SOLE		3,943	0	0
CITIGROUP INC	COM NEW	172967424	234,808	5,100	SH		SOLE		5,100	0	0
COCA COLA CO	COM	191216100	738,125	12,257	SH		SOLE		12,257	0	0
COSTCO WHSL CORP NEW	COM	22160K105	270,805	503	SH		SOLE		503	0	0
CROWN CASTLE INC	COM	22822V101	478,278	4,198	SH		SOLE		4,198	0	0
DISNEY WALT CO	COM	254687106	297,312	3,330	SH		SOLE		3,330	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	504,944	5,627	SH		SOLE		5,627	0	0
ENBRIDGE INC	COM	29250N105	341,669	9,197	SH		SOLE		9,197	0	0
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	207,427	16,333	SH		SOLE		16,333	0	0
EXXON MOBIL CORP	COM	30231G102	1,941,105	18,099	SH		SOLE		18,099	0	0
FIRST TR EXCHANGE TRADED FD	DOW 30 EQL WGT	33733A201	216,262	7,180	SH		SOLE		7,180	0	0
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	349,716	7,720	SH		SOLE		7,720	0	0
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	2,181,421	36,718	SH		SOLE		36,718	0	0
FLEXSHARES TR	QUALT DIVD IDX	33939L860	496,127	8,585	SH		SOLE		8,585	0	0
FORD MTR CO DEL	COM	345370860	214,497	14,177	SH		SOLE		14,177	0	0
GENERAL DYNAMICS CORP	COM	369550108	399,964	1,859	SH		SOLE		1,859	0	0
GENERAL MLS INC	COM	370334104	200,043	2,608	SH		SOLE		2,608	0	0
GENUINE PARTS CO	COM	372460105	286,409	1,692	SH		SOLE		1,692	0	0
IDEXX LABS INC	COM	45168D104	310,880	619	SH		SOLE		619	0	0
INTEL CORP	COM	458140100	479,268	14,332	SH		SOLE		14,332	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	208,339	1,557	SH		SOLE		1,557	0	0
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	325,870	6,297	SH		SOLE		6,297	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	1,159,221	18,456	SH		SOLE		18,456	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	4,082,441	11,051	SH		SOLE		11,051	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	638,505	6,335	SH		SOLE		6,335	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	301,085	2,821	SH		SOLE		2,821	0	0
ISHARES TR	DOW JONES US ETF	464287846	202,144	1,866	SH		SOLE		1,866	0	0
ISHARES TR	CORE MSCI TOTAL	46432F834	421,996	6,739	SH		SOLE		6,739	0	0
ISHARES TR	US CONSM STAPLES	464287812	288,578	1,441	SH		SOLE		1,441	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	314,861	1,204	SH		SOLE		1,204	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	262,699	3,240	SH		SOLE		3,240	0	0
ISHARES TR	US HLTHCARE ETF	464287762	619,972	2,212	SH		SOLE		2,212	0	0
ISHARES TR	U.S. TECH ETF	464287721	217,641	1,999	SH		SOLE		1,999	0	0
ISHARES TR	TIPS BD ETF	464287176	5,733,551	53,276	SH		SOLE		53,276	0	0
ISHARES TR	CORE S&P500 ETF	464287200	13,955,137	31,310	SH		SOLE		31,310	0	0
ISHARES TR	MICRO-CAP ETF	464288869	211,605	1,936	SH		SOLE		1,936	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	322,380	2,000	SH		SOLE		2,000	0	0
ISHARES TR	0-5YR INVT GR CP	46434V100	267,991	5,559	SH		SOLE		5,559	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	218,984	2,025	SH		SOLE		2,025	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	329,565	3,307	SH		SOLE		3,307	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	2,548,446	45,137	SH		SOLE		45,137	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	2,298,718	45,846	SH		SOLE		45,846	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	448,101	8,847	SH		SOLE		8,847	0	0
JOHNSON & JOHNSON	COM	478160104	4,194,041	25,339	SH		SOLE		25,339	0	0
JPMORGAN CHASE & CO	COM	46625H100	1,062,874	7,308	SH		SOLE		7,308	0	0
LILLY ELI & CO	COM	532457108	784,339	1,672	SH		SOLE		1,672	0	0
LOCKHEED MARTIN CORP	COM	539830109	1,827,148	3,969	SH		SOLE		3,969	0	0
LOWES COS INC	COM	548661107	215,769	956	SH		SOLE		956	0	0
MAGELLAN MIDSTREAM PRTNRS LP	COM UNIT RP LP	559080106	217,513	3,490	SH		SOLE		3,490	0	0
MCDONALDS CORP	COM	580135101	761,724	2,553	SH		SOLE		2,553	0	0
MERCK & CO INC	COM	58933Y105	231,113	2,003	SH		SOLE		2,003	0	0
MICROSOFT CORP	COM	594918104	5,220,602	15,330	SH		SOLE		15,330	0	0
NVIDIA CORPORATION	COM	67066G104	348,568	824	SH		SOLE		824	0	0
PAYCHEX INC	COM	704326107	262,398	2,346	SH		SOLE		2,346	0	0
PEPSICO INC	COM	713448108	411,716	2,223	SH		SOLE		2,223	0	0
PFIZER INC	COM	717081103	247,258	6,741	SH		SOLE		6,741	0	0
PHILIP MORRIS INTL INC	COM	718172109	419,522	4,298	SH		SOLE		4,298	0	0
PROCTER AND GAMBLE CO	COM	742718109	4,562,498	30,068	SH		SOLE		30,068	0	0
QUANTA SVCS INC	COM	74762E102	216,095	1,100	SH		SOLE		1,100	0	0
RAYTHEON TECHNOLOGIES CORP	COM	75513E101	368,721	3,764	SH		SOLE		3,764	0	0
SCHWAB CHARLES CORP	COM	808513105	219,918	3,880	SH		SOLE		3,880	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	1,167,233	22,263	SH		SOLE		22,263	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	218,008	3,069	SH		SOLE		3,069	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	1,035,757	14,263	SH		SOLE		14,263	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	888,757	11,858	SH		SOLE		11,858	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,247,940	24,138	SH		SOLE		24,138	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	670,565	9,995	SH		SOLE		9,995	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	372,927	7,121	SH		SOLE		7,121	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	362,314	8,272	SH		SOLE		8,272	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	395,010	2,272	SH		SOLE		2,272	0	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	511,773	6,900	SH		SOLE		6,900	0	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	259,639	1,529	SH		SOLE		1,529	0	0
SOUTHERN CO	COM	842587107	253,233	3,605	SH		SOLE		3,605	0	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	1,710,654	4,975	SH		SOLE		4,975	0	0
SPDR GOLD TR	GOLD SHS	78463V107	201,980	1,133	SH		SOLE		1,133	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	235,115	530	SH		SOLE		530	0	0
SPDR SER TR	NUVEEN BLOOMBERG	78464A284	333,984	13,354	SH		SOLE		13,354	0	0
THE CIGNA GROUP	COM	125523100	249,734	890	SH		SOLE		890	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	285,934	1,495	SH		SOLE		1,495	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	536,772	2,995	SH		SOLE		2,995	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	320,106	666	SH		SOLE		666	0	0
VALERO ENERGY CORP	COM	91913Y100	238,378	2,032	SH		SOLE		2,032	0	0
VANECK ETF TRUST	VANECK SHRT MUNI	92189F528	168,350	10,000	SH		SOLE		10,000	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	1,392,159	19,152	SH		SOLE		19,152	0	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	203,779	887	SH		SOLE		887	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	7,363,646	33,447	SH		SOLE		33,447	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	8,176,983	57,544	SH		SOLE		57,544	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	223,125	1,349	SH		SOLE		1,349	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	10,712,927	37,860	SH		SOLE		37,860	0	0
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	208,064	2,490	SH		SOLE		2,490	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,952,323	13,403	SH		SOLE		13,403	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	7,499,616	37,707	SH		SOLE		37,707	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	209,513	3,851	SH		SOLE		3,851	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	772,324	7,964	SH		SOLE		7,964	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	1,557,981	19,714	SH		SOLE		19,714	0	0
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	296,820	5,060	SH		SOLE		5,060	0	0
VANGUARD SCOTTSDALE FDS	LG-TERM COR BD	92206C813	844,003	10,753	SH		SOLE		10,753	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	4,236,203	55,990	SH		SOLE		55,990	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	22,042,665	135,706	SH		SOLE		135,706	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	739,743	6,974	SH		SOLE		6,974	0	0
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	3,389,308	32,665	SH		SOLE		32,665	0	0
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	1,103,415	4,689	SH		SOLE		4,689	0	0
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	5,951,146	38,036	SH		SOLE		38,036	0	0
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	1,788,746	9,199	SH		SOLE		9,199	0	0
VANGUARD WORLD FDS	INDUSTRIAL ETF	92204A603	801,156	3,898	SH		SOLE		3,898	0	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	1,809,681	4,093	SH		SOLE		4,093	0	0
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	1,813,024	22,317	SH		SOLE		22,317	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	1,639,499	14,523	SH		SOLE		14,523	0	0
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	775,010	4,259	SH		SOLE		4,259	0	0
VANGUARD WORLD FDS	CONSUM DIS ETF	92204A108	966,562	3,413	SH		SOLE		3,413	0	0
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	4,188,893	17,110	SH		SOLE		17,110	0	0
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	1,136,400	7,993	SH		SOLE		7,993	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	895,625	24,082	SH		SOLE		24,082	0	0
VISA INC	COM CL A	92826C839	1,778,924	7,491	SH		SOLE		7,491	0	0
WALMART INC	COM	931142103	1,510,682	9,611	SH		SOLE		9,611	0	0
WELLTOWER INC	COM	95040Q104	889,842	11,001	SH		SOLE		11,001	0	0
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	242,556	8,425	SH		SOLE		8,425	0	0