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	240,710	2,187	SH		SOLE		2,187	0	0
ABBVIE INC	COM	00287Y109	572,518	3,694	SH		SOLE		3,694	0	0
ALPHABET INC	CAP STK CL A	02079K305	2,672,327	19,130	SH		SOLE		19,130	0	0
ALPHABET INC	CAP STK CL C	02079K107	244,149	1,732	SH		SOLE		1,732	0	0
ALTRIA GROUP INC	COM	02209S103	839,778	20,818	SH		SOLE		20,818	0	0
AMAZON COM INC	COM	023135106	2,263,935	14,900	SH		SOLE		14,900	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	294,651	3,628	SH		SOLE		3,628	0	0
AMGEN INC	COM	031162100	337,250	1,171	SH		SOLE		1,171	0	0
APPLE INC	COM	037833100	7,850,459	40,775	SH		SOLE		40,775	0	0
AT&T INC	COM	00206R102	597,816	35,627	SH		SOLE		35,627	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	2,528,418	7,089	SH		SOLE		7,089	0	0
BLACKROCK INC	COM	09247X101	427,063	526	SH		SOLE		526	0	0
BLACKSTONE INC	COM	09260D107	290,851	2,222	SH		SOLE		2,222	0	0
BOEING CO	COM	097023105	557,598	2,139	SH		SOLE		2,139	0	0
CALAMOS CONV OPPORTUNITIES &	SH BEN INT	128117108	116,303	11,226	SH		SOLE		11,226	0	0
CATERPILLAR INC	COM	149123101	927,286	3,136	SH		SOLE		3,136	0	0
CHEVRON CORP NEW	COM	166764100	820,163	5,499	SH		SOLE		5,499	0	0
CISCO SYS INC	COM	17275R102	200,755	3,974	SH		SOLE		3,974	0	0
CITIGROUP INC	COM NEW	172967424	214,641	4,173	SH		SOLE		4,173	0	0
COCA COLA CO	COM	191216100	647,729	10,991	SH		SOLE		10,991	0	0
CONOCOPHILLIPS	COM	20825C104	258,463	2,227	SH		SOLE		2,227	0	0
COSTCO WHSL CORP NEW	COM	22160K105	363,704	551	SH		SOLE		551	0	0
CROWN CASTLE INC	COM	22822V101	504,433	4,379	SH		SOLE		4,379	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	434,607	4,479	SH		SOLE		4,479	0	0
ELI LILLY & CO	COM	532457108	993,180	1,704	SH		SOLE		1,704	0	0
ENBRIDGE INC	COM	29250N105	246,989	6,857	SH		SOLE		6,857	0	0
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	288,769	20,925	SH		SOLE		20,925	0	0
EXXON MOBIL CORP	COM	30231G102	1,694,267	16,946	SH		SOLE		16,946	0	0
FEDEX CORP	COM	31428X106	200,379	792	SH		SOLE		792	0	0
FIDELITY NATL INFORMATION SV	COM	31620M106	243,163	4,048	SH		SOLE		4,048	0	0
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	1,840,213	30,845	SH		SOLE		30,845	0	0
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	324,794	7,050	SH		SOLE		7,050	0	0
FLEXSHARES TR	QUALT DIVD IDX	33939L860	1,417,959	23,045	SH		SOLE		23,045	0	0
GENERAL DYNAMICS CORP	COM	369550108	460,395	1,773	SH		SOLE		1,773	0	0
IDEXX LABS INC	COM	45168D104	343,576	619	SH		SOLE		619	0	0
INSULET CORP	COM	45784P101	233,687	1,077	SH		SOLE		1,077	0	0
INTEL CORP	COM	458140100	735,487	14,637	SH		SOLE		14,637	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	248,031	1,517	SH		SOLE		1,517	0	0
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	262,869	4,943	SH		SOLE		4,943	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	722,783	11,535	SH		SOLE		11,535	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	4,972,624	12,143	SH		SOLE		12,143	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	289,563	2,671	SH		SOLE		2,671	0	0
ISHARES TR	DOW JONES US ETF	464287846	217,445	1,866	SH		SOLE		1,866	0	0
ISHARES TR	CORE US AGGBD ET	464287226	234,230	2,360	SH		SOLE		2,360	0	0
ISHARES TR	IBOXX INV CP ETF	464287242	225,857	2,041	SH		SOLE		2,041	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	347,780	2,000	SH		SOLE		2,000	0	0
ISHARES TR	U.S. TECH ETF	464287721	208,739	1,701	SH		SOLE		1,701	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	334,049	1,205	SH		SOLE		1,205	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	539,527	5,290	SH		SOLE		5,290	0	0
ISHARES TR	US HLTHCARE ETF	464287762	644,368	2,251	SH		SOLE		2,251	0	0
ISHARES TR	CORE S&P500 ETF	464287200	14,809,960	31,007	SH		SOLE		31,007	0	0
ISHARES TR	CORE MSCI TOTAL	46432F834	430,291	6,627	SH		SOLE		6,627	0	0
ISHARES TR	TIPS BD ETF	464287176	5,348,956	49,762	SH		SOLE		49,762	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	220,359	2,686	SH		SOLE		2,686	0	0
ISHARES TR	0-5YR INVT GR CP	46434V100	244,847	4,977	SH		SOLE		4,977	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	2,166,347	40,140	SH		SOLE		40,140	0	0
ISHARES TR	MICRO-CAP ETF	464288869	224,634	1,936	SH		SOLE		1,936	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	444,892	4,110	SH		SOLE		4,110	0	0
ISHARES TR	US CONSM STAPLES	464287812	260,810	1,360	SH		SOLE		1,360	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	1,813,002	36,094	SH		SOLE		36,094	0	0
JOHNSON & JOHNSON	COM	478160104	3,763,191	24,009	SH		SOLE		24,009	0	0
JPMORGAN CHASE & CO	COM	46625H100	1,097,140	6,450	SH		SOLE		6,450	0	0
LOCKHEED MARTIN CORP	COM	539830109	1,571,606	3,467	SH		SOLE		3,467	0	0
MCDONALDS CORP	COM	580135101	717,918	2,421	SH		SOLE		2,421	0	0
MERCK & CO INC	COM	58933Y105	233,983	2,146	SH		SOLE		2,146	0	0
META PLATFORMS INC	CL A	30303M102	250,250	707	SH		SOLE		707	0	0
MICROSOFT CORP	COM	594918104	5,859,756	15,583	SH		SOLE		15,583	0	0
NVIDIA CORPORATION	COM	67066G104	418,461	845	SH		SOLE		845	0	0
ONEOK INC NEW	COM	682680103	230,321	3,280	SH		SOLE		3,280	0	0
PAYCHEX INC	COM	704326107	264,715	2,222	SH		SOLE		2,222	0	0
PEPSICO INC	COM	713448108	350,068	2,061	SH		SOLE		2,061	0	0
PHILIP MORRIS INTL INC	COM	718172109	405,737	4,313	SH		SOLE		4,313	0	0
PROCTER AND GAMBLE CO	COM	742718109	4,265,678	29,109	SH		SOLE		29,109	0	0
QUANTA SVCS INC	COM	74762E102	252,054	1,168	SH		SOLE		1,168	0	0
RTX CORPORATION	COM	75513E101	262,098	3,115	SH		SOLE		3,115	0	0
SALESFORCE INC	COM	79466L302	212,617	808	SH		SOLE		808	0	0
SCHWAB CHARLES CORP	COM	808513105	313,178	4,552	SH		SOLE		4,552	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	356,392	6,319	SH		SOLE		6,319	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	290,933	5,573	SH		SOLE		5,573	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	395,918	8,381	SH		SOLE		8,381	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	591,924	8,444	SH		SOLE		8,444	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	1,040,685	12,544	SH		SOLE		12,544	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	853,771	11,215	SH		SOLE		11,215	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,521,191	27,325	SH		SOLE		27,325	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	228,596	3,035	SH		SOLE		3,035	0	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	466,754	6,480	SH		SOLE		6,480	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	437,315	2,272	SH		SOLE		2,272	0	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	273,400	1,529	SH		SOLE		1,529	0	0
SOUTHERN CO	COM	842587107	213,943	3,051	SH		SOLE		3,051	0	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	1,792,771	4,757	SH		SOLE		4,757	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	289,837	610	SH		SOLE		610	0	0
THE CIGNA GROUP	COM	125523100	212,610	710	SH		SOLE		710	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	340,241	1,395	SH		SOLE		1,395	0	0
UNION PAC CORP	COM	907818108	233,830	952	SH		SOLE		952	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	435,387	2,769	SH		SOLE		2,769	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	385,903	733	SH		SOLE		733	0	0
VALERO ENERGY CORP	COM	91913Y100	201,929	1,553	SH		SOLE		1,553	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	1,566,027	21,292	SH		SOLE		21,292	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	3,429,913	14,459	SH		SOLE		14,459	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	7,558,598	50,559	SH		SOLE		50,559	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	7,851,024	33,748	SH		SOLE		33,748	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	13,763,791	44,274	SH		SOLE		44,274	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	242,780	1,349	SH		SOLE		1,349	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	8,297,485	38,895	SH		SOLE		38,895	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	752,335	7,313	SH		SOLE		7,313	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	203,745	3,629	SH		SOLE		3,629	0	0
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	317,955	5,360	SH		SOLE		5,360	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	3,873,297	50,062	SH		SOLE		50,062	0	0
VANGUARD SCOTTSDALE FDS	LG-TERM COR BD	92206C813	392,174	4,893	SH		SOLE		4,893	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	1,610,519	19,814	SH		SOLE		19,814	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	23,157,542	135,901	SH		SOLE		135,901	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	705,313	6,318	SH		SOLE		6,318	0	0
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	1,246,686	4,804	SH		SOLE		4,804	0	0
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	6,569,472	38,808	SH		SOLE		38,808	0	0
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	3,501,840	32,018	SH		SOLE		32,018	0	0
VANGUARD WORLD FDS	CONSUM STP ETF	92204A207	1,578,284	8,265	SH		SOLE		8,265	0	0
VANGUARD WORLD FDS	MATERIALS ETF	92204A801	779,324	4,103	SH		SOLE		4,103	0	0
VANGUARD WORLD FDS	INDUSTRIAL ETF	92204A603	780,322	3,540	SH		SOLE		3,540	0	0
VANGUARD WORLD FDS	INF TECH ETF	92204A702	2,106,045	4,351	SH		SOLE		4,351	0	0
VANGUARD WORLD FDS	CONSUM DIS ETF	92204A108	920,959	3,024	SH		SOLE		3,024	0	0
VANGUARD WORLD FDS	ENERGY ETF	92204A306	1,682,658	14,347	SH		SOLE		14,347	0	0
VANGUARD WORLD FDS	FINANCIALS ETF	92204A405	1,854,877	20,105	SH		SOLE		20,105	0	0
VANGUARD WORLD FDS	UTILITIES ETF	92204A876	800,605	5,841	SH		SOLE		5,841	0	0
VANGUARD WORLD FDS	HEALTH CAR ETF	92204A504	5,065,763	20,206	SH		SOLE		20,206	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	578,998	15,358	SH		SOLE		15,358	0	0
VISA INC	COM CL A	92826C839	2,056,932	7,901	SH		SOLE		7,901	0	0
WALMART INC	COM	931142103	1,446,601	9,176	SH		SOLE		9,176	0	0
WELLTOWER INC	COM	95040Q104	992,546	11,008	SH		SOLE		11,008	0	0
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	254,111	7,899	SH		SOLE		7,899	0	0