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	210,609	2,175	SH		SOLE		2,175	0	0
ABBVIE INC	COM	00287Y109	686,662	4,607	SH		SOLE		4,607	0	0
ALPHABET INC	CAP STK CL C	02079K107	224,199	1,700	SH		SOLE		1,700	0	0
ALPHABET INC	CAP STK CL A	02079K305	2,573,416	19,665	SH		SOLE		19,665	0	0
ALTRIA GROUP INC	COM	02209S103	985,301	23,432	SH		SOLE		23,432	0	0
AMAZON COM INC	COM	023135106	1,823,307	14,343	SH		SOLE		14,343	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	252,256	3,354	SH		SOLE		3,354	0	0
AMGEN INC	COM	031162100	314,127	1,169	SH		SOLE		1,169	0	0
APPLE INC	COM	037833100	7,161,637	41,830	SH		SOLE		41,830	0	0
AT&T INC	COM	00206R102	759,381	50,558	SH		SOLE		50,558	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,507,852	7,159	SH		SOLE		7,159	0	0
BLACKROCK INC	COM	09247X101	380,401	588	SH		SOLE		588	0	0
BLACKSTONE INC	COM	09260D107	280,816	2,621	SH		SOLE		2,621	0	0
BOEING CO	COM	097023105	405,246	2,114	SH		SOLE		2,114	0	0
CALAMOS CONV OPPORTUNITIES &	SH BEN INT	128117108	117,138	11,114	SH		SOLE		11,114	0	0
CATERPILLAR INC	COM	149123101	838,361	3,071	SH		SOLE		3,071	0	0
CHEVRON CORP NEW	COM	166764100	1,033,668	6,130	SH		SOLE		6,130	0	0
CISCO SYS INC	COM	17275R102	220,738	4,106	SH		SOLE		4,106	0	0
CITIGROUP INC	COM NEW	172967424	217,599	5,291	SH		SOLE		5,291	0	0
COCA COLA CO	COM	191216100	678,707	12,124	SH		SOLE		12,124	0	0
CONOCOPHILLIPS	COM	20825C104	257,796	2,152	SH		SOLE		2,152	0	0
COSTCO WHSL CORP NEW	COM	22160K105	284,175	503	SH		SOLE		503	0	0
CROWN CASTLE INC	COM	22822V101	391,308	4,252	SH		SOLE		4,252	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	493,214	5,588	SH		SOLE		5,588	0	0
ELI LILLY & CO	COM	532457108	908,885	1,692	SH		SOLE		1,692	0	0
ENBRIDGE INC	COM	29250N105	293,333	8,838	SH		SOLE		8,838	0	0
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	257,362	18,344	SH		SOLE		18,344	0	0
EXXON MOBIL CORP	COM	30231G102	2,180,741	18,547	SH		SOLE		18,547	0	0
FEDEX CORP	COM	31428X106	209,844	792	SH		SOLE		792	0	0
FIDELITY NATL INFORMATION SV	COM	31620M106	223,733	4,048	SH		SOLE		4,048	0	0
FIRST TR EXCHANGE TRADED FD	DOW 30 EQL WGT	33733A201	208,435	7,180	SH		SOLE		7,180	0	0
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	359,059	7,850	SH		SOLE		7,850	0	0
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	2,079,501	34,997	SH		SOLE		34,997	0	0
FLEXSHARES TR	QUALT DIVD IDX	33939L860	1,166,527	20,913	SH		SOLE		20,913	0	0
FORD MTR CO DEL	COM	345370860	133,010	10,709	SH		SOLE		10,709	0	0
GENERAL DYNAMICS CORP	COM	369550108	400,840	1,814	SH		SOLE		1,814	0	0
GENUINE PARTS CO	COM	372460105	210,153	1,456	SH		SOLE		1,456	0	0
IDEXX LABS INC	COM	45168D104	270,670	619	SH		SOLE		619	0	0
INTEL CORP	COM	458140100	520,089	14,630	SH		SOLE		14,630	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	219,951	1,568	SH		SOLE		1,568	0	0
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	243,047	4,943	SH		SOLE		4,943	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	839,815	14,285	SH		SOLE		14,285	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	4,275,294	11,933	SH		SOLE		11,933	0	0
ISHARES TR	CORE S&P500 ETF	464287200	13,859,093	32,273	SH		SOLE		32,273	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	273,884	2,671	SH		SOLE		2,671	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	222,344	2,746	SH		SOLE		2,746	0	0
ISHARES TR	US HLTHCARE ETF	464287762	606,899	2,247	SH		SOLE		2,247	0	0
ISHARES TR	CORE MSCI TOTAL	46432F834	391,075	6,519	SH		SOLE		6,519	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	201,592	1,976	SH		SOLE		1,976	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	2,123,728	43,788	SH		SOLE		43,788	0	0
ISHARES TR	CORE US AGGBD ET	464287226	221,934	2,360	SH		SOLE		2,360	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	300,255	1,204	SH		SOLE		1,204	0	0
ISHARES TR	TIPS BD ETF	464287176	5,339,761	51,482	SH		SOLE		51,482	0	0
ISHARES TR	U.S. TECH ETF	464287721	209,744	1,999	SH		SOLE		1,999	0	0
ISHARES TR	US CONSM STAPLES	464287812	252,870	1,356	SH		SOLE		1,356	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	616,579	6,235	SH		SOLE		6,235	0	0
ISHARES TR	0-5YR INVT GR CP	46434V100	267,764	5,579	SH		SOLE		5,579	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	311,971	3,307	SH		SOLE		3,307	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	307,680	2,000	SH		SOLE		2,000	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHT MUNCPL	46641Q654	446,331	8,847	SH		SOLE		8,847	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	2,212,185	44,085	SH		SOLE		44,085	0	0
JOHNSON & JOHNSON	COM	478160104	3,981,518	25,564	SH		SOLE		25,564	0	0
JPMORGAN CHASE & CO	COM	46625H100	1,010,194	6,966	SH		SOLE		6,966	0	0
LOCKHEED MARTIN CORP	COM	539830109	1,607,005	3,929	SH		SOLE		3,929	0	0
MCDONALDS CORP	COM	580135101	667,910	2,535	SH		SOLE		2,535	0	0
MERCK & CO INC	COM	58933Y105	206,365	2,005	SH		SOLE		2,005	0	0
MICROSOFT CORP	COM	594918104	4,929,042	15,611	SH		SOLE		15,611	0	0
NVIDIA CORPORATION	COM	67066G104	357,997	823	SH		SOLE		823	0	0
ONEOK INC NEW	COM	682680103	205,606	3,241	SH		SOLE		3,241	0	0
PAYCHEX INC	COM	704326107	270,622	2,347	SH		SOLE		2,347	0	0
PEPSICO INC	COM	713448108	375,818	2,218	SH		SOLE		2,218	0	0
PFIZER INC	COM	717081103	214,165	6,457	SH		SOLE		6,457	0	0
PHILIP MORRIS INTL INC	COM	718172109	403,225	4,355	SH		SOLE		4,355	0	0
PROCTER AND GAMBLE CO	COM	742718109	4,372,349	29,976	SH		SOLE		29,976	0	0
QUANTA SVCS INC	COM	74762E102	218,498	1,168	SH		SOLE		1,168	0	0
RTX CORPORATION	COM	75513E101	233,111	3,239	SH		SOLE		3,239	0	0
SCHWAB CHARLES CORP	COM	808513105	234,643	4,274	SH		SOLE		4,274	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	846,363	16,763	SH		SOLE		16,763	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	634,738	9,847	SH		SOLE		9,847	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	355,667	7,029	SH		SOLE		7,029	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	915,339	12,936	SH		SOLE		12,936	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	954,391	13,124	SH		SOLE		13,124	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,368,430	27,451	SH		SOLE		27,451	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	207,735	3,069	SH		SOLE		3,069	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	347,141	8,381	SH		SOLE		8,381	0	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	246,138	1,529	SH		SOLE		1,529	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	372,449	2,272	SH		SOLE		2,272	0	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	459,651	6,680	SH		SOLE		6,680	0	0
SOUTHERN CO	COM	842587107	217,237	3,357	SH		SOLE		3,357	0	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	1,711,929	5,111	SH		SOLE		5,111	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	226,815	531	SH		SOLE		531	0	0
SPDR SER TR	NUVEEN BLOOMBERG	78464A284	318,092	13,354	SH		SOLE		13,354	0	0
THE CIGNA GROUP	COM	125523100	253,172	885	SH		SOLE		885	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	328,714	1,620	SH		SOLE		1,620	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	457,449	2,935	SH		SOLE		2,935	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	387,218	768	SH		SOLE		768	0	0
VALERO ENERGY CORP	COM	91913Y100	294,368	2,077	SH		SOLE		2,077	0	0
VANECK ETF TRUST	VANECK SHRT MUNI	92189F528	166,900	10,000	SH		SOLE		10,000	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	1,405,509	20,142	SH		SOLE		20,142	0	0
VANGUARD INDEX FDS	SML CP GRW ETF	922908595	216,322	1,010	SH		SOLE		1,010	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	11,476,136	42,144	SH		SOLE		42,144	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	7,594,302	55,059	SH		SOLE		55,059	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	7,161,728	34,392	SH		SOLE		34,392	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	2,968,451	13,975	SH		SOLE		13,975	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	215,152	1,349	SH		SOLE		1,349	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	7,476,222	39,542	SH		SOLE		39,542	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	802,722	8,615	SH		SOLE		8,615	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	219,847	4,238	SH		SOLE		4,238	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	1,460,626	19,224	SH		SOLE		19,224	0	0
VANGUARD SCOTTSDALE FDS	LG-TERM COR BD	92206C813	624,885	8,725	SH		SOLE		8,725	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	4,007,374	53,325	SH		SOLE		53,325	0	0
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	289,179	5,060	SH		SOLE		5,060	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	21,399,860	137,726	SH		SOLE		137,726	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	727,268	7,039	SH		SOLE		7,039	0	0
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	3,323,836	32,779	SH		SOLE		32,779	0	0
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	5,873,524	38,675	SH		SOLE		38,675	0	0
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	1,078,456	4,753	SH		SOLE		4,753	0	0
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	1,668,142	9,132	SH		SOLE		9,132	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	1,897,969	14,975	SH		SOLE		14,975	0	0
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	1,801,887	22,434	SH		SOLE		22,434	0	0
VANGUARD WORLD FDS	INDUSTRIAL ETF	92204A603	760,032	3,898	SH		SOLE		3,898	0	0
VANGUARD WORLD FDS	CONSUM DIS ETF	92204A108	925,286	3,435	SH		SOLE		3,435	0	0
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	4,373,350	18,602	SH		SOLE		18,602	0	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	2,028,033	4,888	SH		SOLE		4,888	0	0
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	948,469	7,437	SH		SOLE		7,437	0	0
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	730,450	4,234	SH		SOLE		4,234	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	543,936	16,783	SH		SOLE		16,783	0	0
VISA INC	COM CL A	92826C839	1,766,246	7,679	SH		SOLE		7,679	0	0
WALMART INC	COM	931142103	1,534,693	9,596	SH		SOLE		9,596	0	0
WELLTOWER INC	COM	95040Q104	936,270	11,429	SH		SOLE		11,429	0	0
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	227,264	8,059	SH		SOLE		8,059	0	0