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	248,698	2,188	SH		SOLE		2,188	0	0
ABBVIE INC	COM	00287Y109	713,225	3,917	SH		SOLE		3,917	0	0
ADVANCED MICRO DEVICES INC	COM	007903107	301,057	1,668	SH		SOLE		1,668	0	0
ALPHABET INC	CAP STK CL C	02079K107	285,093	1,872	SH		SOLE		1,872	0	0
ALPHABET INC	CAP STK CL A	02079K305	3,044,018	20,168	SH		SOLE		20,168	0	0
ALTRIA GROUP INC	COM	02209S103	873,452	20,024	SH		SOLE		20,024	0	0
AMAZON COM INC	COM	023135106	2,865,732	15,887	SH		SOLE		15,887	0	0
AMERICAN ELEC PWR CO INC	COM	025537101	329,060	3,822	SH		SOLE		3,822	0	0
AMGEN INC	COM	031162100	351,467	1,236	SH		SOLE		1,236	0	0
APPLE INC	COM	037833100	7,090,716	41,350	SH		SOLE		41,350	0	0
APPLIED MATLS INC	COM	038222105	216,335	1,049	SH		SOLE		1,049	0	0
AT&T INC	COM	00206R102	640,496	36,392	SH		SOLE		36,392	0	0
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	3,128,734	7,440	SH		SOLE		7,440	0	0
BLACKROCK INC	COM	09247X101	439,134	527	SH		SOLE		527	0	0
BLACKSTONE INC	COM	09260D107	291,923	2,222	SH		SOLE		2,222	0	0
BOEING CO	COM	097023105	327,539	1,697	SH		SOLE		1,697	0	0
CALAMOS CONV OPPORTUNITIES &	SH BEN INT	128117108	128,663	11,336	SH		SOLE		11,336	0	0
CATERPILLAR INC	COM	149123101	1,128,773	3,080	SH		SOLE		3,080	0	0
CHEVRON CORP NEW	COM	166764100	860,902	5,458	SH		SOLE		5,458	0	0
CITIGROUP INC	COM NEW	172967424	262,700	4,154	SH		SOLE		4,154	0	0
COCA COLA CO	COM	191216100	646,152	10,561	SH		SOLE		10,561	0	0
CONOCOPHILLIPS	COM	20825C104	311,799	2,450	SH		SOLE		2,450	0	0
COSTCO WHSL CORP NEW	COM	22160K105	403,679	551	SH		SOLE		551	0	0
CROWN CASTLE INC	COM	22822V101	475,940	4,497	SH		SOLE		4,497	0	0
DISNEY WALT CO	COM	254687106	244,378	1,997	SH		SOLE		1,997	0	0
DUKE ENERGY CORP NEW	COM NEW	26441C204	461,898	4,776	SH		SOLE		4,776	0	0
ELI LILLY & CO	COM	532457108	1,357,081	1,744	SH		SOLE		1,744	0	0
ENBRIDGE INC	COM	29250N105	268,383	7,418	SH		SOLE		7,418	0	0
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	372,298	23,668	SH		SOLE		23,668	0	0
EXXON MOBIL CORP	COM	30231G102	2,025,132	17,422	SH		SOLE		17,422	0	0
FEDEX CORP	COM	31428X106	229,505	792	SH		SOLE		792	0	0
FIDELITY NATL INFORMATION SV	COM	31620M106	300,281	4,048	SH		SOLE		4,048	0	0
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	326,566	7,067	SH		SOLE		7,067	0	0
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	1,676,754	28,124	SH		SOLE		28,124	0	0
FLEXSHARES TR	QUALT DIVD IDX	33939L860	1,512,173	22,943	SH		SOLE		22,943	0	0
GENERAL DYNAMICS CORP	COM	369550108	500,855	1,773	SH		SOLE		1,773	0	0
GENUINE PARTS CO	COM	372460105	200,807	1,296	SH		SOLE		1,296	0	0
IDEXX LABS INC	COM	45168D104	335,297	621	SH		SOLE		621	0	0
INGERSOLL RAND INC	COM	45687V106	232,077	2,444	SH		SOLE		2,444	0	0
INTEL CORP	COM	458140100	570,821	12,923	SH		SOLE		12,923	0	0
INTERNATIONAL BUSINESS MACHS	COM	459200101	340,730	1,784	SH		SOLE		1,784	0	0
INVESCO EXCH TRADED FD TR II	S&P MIDCP LOW	46138E198	230,281	4,083	SH		SOLE		4,083	0	0
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	696,707	10,577	SH		SOLE		10,577	0	0
INVESCO QQQ TR	UNIT SER 1	46090E103	5,406,409	12,176	SH		SOLE		12,176	0	0
ISHARES TR	0-5YR INVT GR CP	46434V100	222,195	4,514	SH		SOLE		4,514	0	0
ISHARES TR	1 3 YR TREAS BD	464287457	219,661	2,686	SH		SOLE		2,686	0	0
ISHARES TR	U.S. TECH ETF	464287721	229,739	1,701	SH		SOLE		1,701	0	0
ISHARES TR	DOW JONES US ETF	464287846	239,016	1,866	SH		SOLE		1,866	0	0
ISHARES TR	CORE S&P MCP ETF	464287507	366,079	6,027	SH		SOLE		6,027	0	0
ISHARES TR	CORE US AGGBD ET	464287226	287,062	2,931	SH		SOLE		2,931	0	0
ISHARES TR	TIPS BD ETF	464287176	4,922,531	45,829	SH		SOLE		45,829	0	0
ISHARES TR	CORE S&P500 ETF	464287200	16,397,078	31,189	SH		SOLE		31,189	0	0
ISHARES TR	S&P 500 VAL ETF	464287408	373,620	2,000	SH		SOLE		2,000	0	0
ISHARES TR	MICRO-CAP ETF	464288869	221,899	1,831	SH		SOLE		1,831	0	0
ISHARES TR	NATIONAL MUN ETF	464288414	282,773	2,628	SH		SOLE		2,628	0	0
ISHARES TR	CORE S&P SCP ETF	464287804	454,336	4,111	SH		SOLE		4,111	0	0
ISHARES TR	US CONSM STAPLES	464287812	258,736	3,826	SH		SOLE		3,826	0	0
ISHARES TR	CORE MSCI TOTAL	46432F834	469,455	6,918	SH		SOLE		6,918	0	0
ISHARES TR	U.S. MED DVC ETF	464288810	2,381,283	40,643	SH		SOLE		40,643	0	0
ISHARES TR	CORE HIGH DV ETF	46429B663	583,011	5,290	SH		SOLE		5,290	0	0
ISHARES TR	US HLTHCARE ETF	464287762	586,583	9,476	SH		SOLE		9,476	0	0
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT INC	46641Q837	1,931,226	38,280	SH		SOLE		38,280	0	0
JOHNSON & JOHNSON	COM	478160104	3,751,570	23,716	SH		SOLE		23,716	0	0
JPMORGAN CHASE & CO	COM	46625H100	1,398,063	6,980	SH		SOLE		6,980	0	0
LOCKHEED MARTIN CORP	COM	539830109	1,494,778	3,286	SH		SOLE		3,286	0	0
LOWES COS INC	COM	548661107	207,350	814	SH		SOLE		814	0	0
MCDONALDS CORP	COM	580135101	688,621	2,442	SH		SOLE		2,442	0	0
MERCK & CO INC	COM	58933Y105	309,531	2,346	SH		SOLE		2,346	0	0
META PLATFORMS INC	CL A	30303M102	357,875	737	SH		SOLE		737	0	0
MICROSOFT CORP	COM	594918104	6,546,823	15,561	SH		SOLE		15,561	0	0
NVIDIA CORPORATION	COM	67066G104	853,865	945	SH		SOLE		945	0	0
ONEOK INC NEW	COM	682680103	266,024	3,318	SH		SOLE		3,318	0	0
PAYCHEX INC	COM	704326107	248,471	2,023	SH		SOLE		2,023	0	0
PEPSICO INC	COM	713448108	387,492	2,214	SH		SOLE		2,214	0	0
PFIZER INC	COM	717081103	229,409	8,267	SH		SOLE		8,267	0	0
PHILIP MORRIS INTL INC	COM	718172109	383,290	4,183	SH		SOLE		4,183	0	0
PROCTER AND GAMBLE CO	COM	742718109	4,738,333	29,204	SH		SOLE		29,204	0	0
QUANTA SVCS INC	COM	74762E102	303,446	1,168	SH		SOLE		1,168	0	0
RTX CORPORATION	COM	75513E101	258,263	2,648	SH		SOLE		2,648	0	0
SALESFORCE INC	COM	79466L302	243,353	808	SH		SOLE		808	0	0
SCHWAB CHARLES CORP	COM	808513105	351,717	4,862	SH		SOLE		4,862	0	0
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	917,069	11,374	SH		SOLE		11,374	0	0
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,632,920	26,747	SH		SOLE		26,747	0	0
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	654,720	8,617	SH		SOLE		8,617	0	0
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	278,140	5,332	SH		SOLE		5,332	0	0
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	403,817	8,201	SH		SOLE		8,201	0	0
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	392,157	6,319	SH		SOLE		6,319	0	0
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	1,235,090	13,321	SH		SOLE		13,321	0	0
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	224,747	2,760	SH		SOLE		2,760	0	0
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	281,168	1,529	SH		SOLE		1,529	0	0
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	473,189	2,272	SH		SOLE		2,272	0	0
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	494,813	6,480	SH		SOLE		6,480	0	0
SELECT SECTOR SPDR TR	INDL	81369Y704	214,268	1,701	SH		SOLE		1,701	0	0
SOUTHERN CO	COM	842587107	213,490	2,976	SH		SOLE		2,976	0	0
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	1,871,859	4,706	SH		SOLE		4,706	0	0
SPDR S&P 500 ETF TR	TR UNIT	78462F103	319,592	611	SH		SOLE		611	0	0
THE CIGNA GROUP	COM	125523100	257,865	710	SH		SOLE		710	0	0
TRANE TECHNOLOGIES PLC	SHS	G8994E103	418,779	1,395	SH		SOLE		1,395	0	0
UNION PAC CORP	COM	907818108	234,125	952	SH		SOLE		952	0	0
UNITED PARCEL SERVICE INC	CL B	911312106	411,618	2,769	SH		SOLE		2,769	0	0
UNITEDHEALTH GROUP INC	COM	91324P102	394,771	798	SH		SOLE		798	0	0
VALERO ENERGY CORP	COM	91913Y100	265,141	1,553	SH		SOLE		1,553	0	0
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	1,833,690	25,247	SH		SOLE		25,247	0	0
VANGUARD INDEX FDS	GROWTH ETF	922908736	16,177,402	47,000	SH		SOLE		47,000	0	0
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	258,846	1,349	SH		SOLE		1,349	0	0
VANGUARD INDEX FDS	MID CAP ETF	922908629	8,559,554	34,257	SH		SOLE		34,257	0	0
VANGUARD INDEX FDS	SMALL CP ETF	922908751	9,006,502	39,400	SH		SOLE		39,400	0	0
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	4,030,877	15,509	SH		SOLE		15,509	0	0
VANGUARD INDEX FDS	VALUE ETF	922908744	8,117,120	49,841	SH		SOLE		49,841	0	0
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	212,892	3,630	SH		SOLE		3,630	0	0
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	774,466	7,009	SH		SOLE		7,009	0	0
VANGUARD SCOTTSDALE FDS	LG-TERM COR BD	92206C813	468,441	5,988	SH		SOLE		5,988	0	0
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	264,178	4,512	SH		SOLE		4,512	0	0
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	3,917,375	50,671	SH		SOLE		50,671	0	0
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	1,565,781	19,448	SH		SOLE		19,448	0	0
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	24,926,212	136,500	SH		SOLE		136,500	0	0
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	764,749	6,321	SH		SOLE		6,321	0	0
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	3,752,220	31,397	SH		SOLE		31,397	0	0
VANGUARD WORLD FD	HEALTH CAR ETF	92204A504	5,757,747	21,284	SH		SOLE		21,284	0	0
VANGUARD WORLD FD	COMM SRVC ETF	92204A884	209,033	1,593	SH		SOLE		1,593	0	0
VANGUARD WORLD FD	INF TECH ETF	92204A702	2,070,881	3,950	SH		SOLE		3,950	0	0
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	7,249,308	38,793	SH		SOLE		38,793	0	0
VANGUARD WORLD FD	ENERGY ETF	92204A306	1,803,389	13,693	SH		SOLE		13,693	0	0
VANGUARD WORLD FD	UTILITIES ETF	92204A876	879,169	6,166	SH		SOLE		6,166	0	0
VANGUARD WORLD FD	CONSUM DIS ETF	92204A108	950,330	2,991	SH		SOLE		2,991	0	0
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	1,277,707	4,458	SH		SOLE		4,458	0	0
VANGUARD WORLD FD	CONSUM STP ETF	92204A207	1,618,218	7,927	SH		SOLE		7,927	0	0
VANGUARD WORLD FD	INDUSTRIAL ETF	92204A603	800,324	3,278	SH		SOLE		3,278	0	0
VANGUARD WORLD FD	MATERIALS ETF	92204A801	772,745	3,780	SH		SOLE		3,780	0	0
VANGUARD WORLD FD	FINANCIALS ETF	92204A405	2,057,792	20,098	SH		SOLE		20,098	0	0
VERIZON COMMUNICATIONS INC	COM	92343V104	724,457	17,265	SH		SOLE		17,265	0	0
VISA INC	COM CL A	92826C839	2,343,119	8,396	SH		SOLE		8,396	0	0
WALMART INC	COM	931142103	1,601,831	26,622	SH		SOLE		26,622	0	0
WASTE MGMT INC DEL	COM	94106L109	244,619	1,148	SH		SOLE		1,148	0	0
WELLTOWER INC	COM	95040Q104	1,022,683	10,945	SH		SOLE		10,945	0	0
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	250,688	7,671	SH		SOLE		7,671	0	0