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
3M CO	COM	88579Y101	218,573	1,599	SH		SOLE		0	0	1,599
ABBOTT LABS	COM	002824100	255,121	2,238	SH		SOLE		0	0	2,238
ABBVIE INC	COM	00287Y109	814,742	4,126	SH		SOLE		0	0	4,126
ADVANCED MICRO DEVICES INC	COM	007903107	301,907	1,840	SH		SOLE		0	0	1,840
ALPHABET INC	CAP STK CL A	02079K305	3,632,582	21,903	SH		SOLE		0	0	21,903
ALPHABET INC	CAP STK CL C	02079K107	272,581	1,630	SH		SOLE		0	0	1,630
ALTRIA GROUP INC	COM	02209S103	1,115,581	21,857	SH		SOLE		0	0	21,857
AMAZON COM INC	COM	023135106	3,141,374	16,859	SH		SOLE		0	0	16,859
AMERICAN ELEC PWR CO INC	COM	025537101	393,224	3,833	SH		SOLE		0	0	3,833
AMGEN INC	COM	031162100	399,580	1,240	SH		SOLE		0	0	1,240
APPLE INC	COM	037833100	9,730,839	41,763	SH		SOLE		0	0	41,763
APPLIED MATLS INC	COM	038222105	213,567	1,057	SH		SOLE		0	0	1,057
AT&T INC	COM	00206R102	738,653	33,575	SH		SOLE		0	0	33,575
BANK AMERICA CORP	COM	060505104	201,429	5,076	SH		SOLE		0	0	5,076
BERKSHIRE HATHAWAY INC DEL	CL B NEW	084670702	3,723,575	8,090	SH		SOLE		0	0	8,090
BLACKSTONE INC	COM	09260D107	340,425	2,223	SH		SOLE		0	0	2,223
BROADCOM INC	COM	11135F101	247,365	1,434	SH		SOLE		0	0	1,434
CALAMOS CONV OPPORTUNITIES &	SH BEN INT	128117108	415,098	35,661	SH		SOLE		0	0	35,661
CATERPILLAR INC	COM	149123101	1,205,006	3,081	SH		SOLE		0	0	3,081
CHEVRON CORP NEW	COM	166764100	852,574	5,789	SH		SOLE		0	0	5,789
CISCO SYS INC	COM	17275R102	209,984	3,946	SH		SOLE		0	0	3,946
CITIGROUP INC	COM NEW	172967424	270,765	4,325	SH		SOLE		0	0	4,325
COCA COLA CO	COM	191216100	760,911	10,589	SH		SOLE		0	0	10,589
CONOCOPHILLIPS	COM	20825C104	217,570	2,067	SH		SOLE		0	0	2,067
COSTCO WHSL CORP NEW	COM	22160K105	485,813	548	SH		SOLE		0	0	548
CROWN CASTLE INC	COM	22822V101	496,616	4,186	SH		SOLE		0	0	4,186
DUKE ENERGY CORP NEW	COM NEW	26441C204	591,137	5,127	SH		SOLE		0	0	5,127
ELI LILLY & CO	COM	532457108	1,538,448	1,737	SH		SOLE		0	0	1,737
ENBRIDGE INC	COM	29250N105	307,580	7,574	SH		SOLE		0	0	7,574
ENERGY TRANSFER L P	COM UT LTD PTN	29273V100	399,433	24,887	SH		SOLE		0	0	24,887
EXXON MOBIL CORP	COM	30231G102	2,252,113	19,213	SH		SOLE		0	0	19,213
FEDEX CORP	COM	31428X106	208,026	760	SH		SOLE		0	0	760
FIDELITY NATL INFORMATION SV	COM	31620M106	389,689	4,653	SH		SOLE		0	0	4,653
FIRST TR EXCHANGE-TRADED FD	SENIOR LN FD	33738D309	320,633	6,987	SH		SOLE		0	0	6,987
FIRST TR EXCHANGE-TRADED FD	FIRST TR ENH NEW	33739Q408	1,636,226	27,330	SH		SOLE		0	0	27,330
FLEXSHARES TR	QUALT DIVD IDX	33939L860	1,674,070	23,345	SH		SOLE		0	0	23,345
FORD MTR CO	COM	345370860	107,228	10,154	SH		SOLE		0	0	10,154
GENERAL DYNAMICS CORP	COM	369550108	535,801	1,773	SH		SOLE		0	0	1,773
IDEXX LABS INC	COM	45168D104	311,721	617	SH		SOLE		0	0	617
INGERSOLL RAND INC	COM	45687V106	239,925	2,444	SH		SOLE		0	0	2,444
INSULET CORP	COM	45784P101	253,698	1,090	SH		SOLE		0	0	1,090
INTEL CORP	COM	458140100	200,826	8,560	SH		SOLE		0	0	8,560
INTERNATIONAL BUSINESS MACHS	COM	459200101	399,224	1,806	SH		SOLE		0	0	1,806
INVESCO EXCH TRADED FD TR II	S&P500 LOW VOL	46138E354	714,216	9,957	SH		SOLE		0	0	9,957
INVESCO QQQ TR	UNIT SER 1	46090E103	5,966,145	12,224	SH		SOLE		0	0	12,224
ISHARES TR	DOW JONES US ETF	464287846	256,985	1,841	SH		SOLE		0	0	1,841
ISHARES TR	CORE S&P MCP ETF	464287507	362,782	5,821	SH		SOLE		0	0	5,821
ISHARES TR	CORE MSCI TOTAL	46432F834	743,368	10,235	SH		SOLE		0	0	10,235
ISHARES TR	CORE US AGGBD ET	464287226	296,822	2,931	SH		SOLE		0	0	2,931
ISHARES TR	US HLTHCARE ETF	464287762	616,288	9,481	SH		SOLE		0	0	9,481
ISHARES TR	CORE HIGH DV ETF	46429B663	609,860	5,185	SH		SOLE		0	0	5,185
ISHARES TR	US CONSM STAPLES	464287812	262,759	3,723	SH		SOLE		0	0	3,723
ISHARES TR	0-5YR INVT GR CP	46434V100	207,432	4,113	SH		SOLE		0	0	4,113
ISHARES TR	S&P 500 VAL ETF	464287408	394,340	2,000	SH		SOLE		0	0	2,000
ISHARES TR	CORE S&P SCP ETF	464287804	481,144	4,114	SH		SOLE		0	0	4,114
ISHARES TR	CORE S&P500 ETF	464287200	18,067,803	31,323	SH		SOLE		0	0	31,323
ISHARES TR	NATIONAL MUN ETF	464288414	277,876	2,558	SH		SOLE		0	0	2,558
ISHARES TR	MICRO-CAP ETF	464288869	225,799	1,831	SH		SOLE		0	0	1,831
ISHARES TR	1 3 YR TREAS BD	464287457	223,341	2,686	SH		SOLE		0	0	2,686
ISHARES TR	U.S. MED DVC ETF	464288810	2,538,561	42,867	SH		SOLE		0	0	42,867
ISHARES TR	U.S. TECH ETF	464287721	258,067	1,702	SH		SOLE		0	0	1,702
ISHARES TR	TIPS BD ETF	464287176	4,565,428	41,327	SH		SOLE		0	0	41,327
J P MORGAN EXCHANGE TRADED F	ULTRA SHRT ETF	46641Q837	2,648,171	52,191	SH		SOLE		0	0	52,191
JOHNSON & JOHNSON	COM	478160104	3,412,584	21,058	SH		SOLE		0	0	21,058
JPMORGAN CHASE & CO.	COM	46625H100	1,925,253	9,130	SH		SOLE		0	0	9,130
LOCKHEED MARTIN CORP	COM	539830109	1,702,863	2,913	SH		SOLE		0	0	2,913
LOWES COS INC	COM	548661107	215,867	797	SH		SOLE		0	0	797
MCDONALDS CORP	COM	580135101	689,603	2,265	SH		SOLE		0	0	2,265
MERCK & CO INC	COM	58933Y105	266,735	2,349	SH		SOLE		0	0	2,349
META PLATFORMS INC	CL A	30303M102	617,349	1,078	SH		SOLE		0	0	1,078
MICROSOFT CORP	COM	594918104	6,900,023	16,035	SH		SOLE		0	0	16,035
NVIDIA CORPORATION	COM	67066G104	1,384,176	11,398	SH		SOLE		0	0	11,398
ONEOK INC NEW	COM	682680103	309,239	3,393	SH		SOLE		0	0	3,393
PAYCHEX INC	COM	704326107	307,891	2,294	SH		SOLE		0	0	2,294
PEPSICO INC	COM	713448108	376,611	2,215	SH		SOLE		0	0	2,215
PFIZER INC	COM	717081103	318,108	10,992	SH		SOLE		0	0	10,992
PHILIP MORRIS INTL INC	COM	718172109	512,236	4,219	SH		SOLE		0	0	4,219
PROCTER AND GAMBLE CO	COM	742718109	5,020,269	28,985	SH		SOLE		0	0	28,985
QUANTA SVCS INC	COM	74762E102	343,469	1,152	SH		SOLE		0	0	1,152
RTX CORPORATION	COM	75513E101	310,178	2,560	SH		SOLE		0	0	2,560
SALESFORCE INC	COM	79466L302	229,916	840	SH		SOLE		0	0	840
SCHWAB CHARLES CORP	COM	808513105	345,891	5,337	SH		SOLE		0	0	5,337
SCHWAB STRATEGIC TR	US LCAP VA ETF	808524409	681,779	8,483	SH		SOLE		0	0	8,483
SCHWAB STRATEGIC TR	US SML CAP ETF	808524607	419,725	8,150	SH		SOLE		0	0	8,150
SCHWAB STRATEGIC TR	US LCAP GR ETF	808524300	1,400,284	13,441	SH		SOLE		0	0	13,441
SCHWAB STRATEGIC TR	US TIPS ETF	808524870	332,082	6,192	SH		SOLE		0	0	6,192
SCHWAB STRATEGIC TR	US MID-CAP ETF	808524508	240,130	2,890	SH		SOLE		0	0	2,890
SCHWAB STRATEGIC TR	US BRD MKT ETF	808524102	1,708,839	25,689	SH		SOLE		0	0	25,689
SCHWAB STRATEGIC TR	US DIVIDEND EQ	808524797	894,234	10,579	SH		SOLE		0	0	10,579
SCHWAB STRATEGIC TR	US LRG CAP ETF	808524201	415,785	6,128	SH		SOLE		0	0	6,128
SELECT SECTOR SPDR TR	SBI CONS STPLS	81369Y308	601,833	7,251	SH		SOLE		0	0	7,251
SELECT SECTOR SPDR TR	SBI CONS DISCR	81369Y407	328,807	1,641	SH		SOLE		0	0	1,641
SELECT SECTOR SPDR TR	INDL	81369Y704	230,746	1,704	SH		SOLE		0	0	1,704
SELECT SECTOR SPDR TR	TECHNOLOGY	81369Y803	512,927	2,272	SH		SOLE		0	0	2,272
SOUTHERN CO	COM	842587107	270,191	2,996	SH		SOLE		0	0	2,996
SPDR DOW JONES INDL AVERAGE	UT SER 1	78467X109	1,933,658	4,570	SH		SOLE		0	0	4,570
SPDR S&P 500 ETF TR	TR UNIT	78462F103	417,312	727	SH		SOLE		0	0	727
TESLA INC	COM	88160R101	239,391	915	SH		SOLE		0	0	915
THE CIGNA GROUP	COM	125523100	242,162	699	SH		SOLE		0	0	699
TMC THE METALS COMPANY INC	COM	87261Y106	15,727	14,837	SH		SOLE		0	0	14,837
TRANE TECHNOLOGIES PLC	SHS	G8994E103	527,507	1,357	SH		SOLE		0	0	1,357
UNION PAC CORP	COM	907818108	234,402	951	SH		SOLE		0	0	951
UNITED PARCEL SERVICE INC	CL B	911312106	391,177	2,869	SH		SOLE		0	0	2,869
UNITEDHEALTH GROUP INC	COM	91324P102	439,095	751	SH		SOLE		0	0	751
VALERO ENERGY CORP	COM	91913Y100	204,360	1,513	SH		SOLE		0	0	1,513
VANGUARD BD INDEX FDS	TOTAL BND MRKT	921937835	2,385,193	31,756	SH		SOLE		0	0	31,756
VANGUARD INDEX FDS	SM CP VAL ETF	922908611	200,579	999	SH		SOLE		0	0	999
VANGUARD INDEX FDS	GROWTH ETF	922908736	19,674,586	51,245	SH		SOLE		0	0	51,245
VANGUARD INDEX FDS	VALUE ETF	922908744	8,293,560	47,509	SH		SOLE		0	0	47,509
VANGUARD INDEX FDS	REAL ESTATE ETF	922908553	200,490	2,058	SH		SOLE		0	0	2,058
VANGUARD INDEX FDS	MID CAP ETF	922908629	9,493,797	35,985	SH		SOLE		0	0	35,985
VANGUARD INDEX FDS	SMALL CP ETF	922908751	9,891,171	41,698	SH		SOLE		0	0	41,698
VANGUARD INDEX FDS	TOTAL STK MKT	922908769	5,055,515	17,854	SH		SOLE		0	0	17,854
VANGUARD INTL EQUITY INDEX F	TT WRLD ST ETF	922042742	824,223	6,886	SH		SOLE		0	0	6,886
VANGUARD INTL EQUITY INDEX F	ALLWRLD EX US	922042775	228,813	3,632	SH		SOLE		0	0	3,632
VANGUARD SCOTTSDALE FDS	LG-TERM COR BD	92206C813	504,195	6,207	SH		SOLE		0	0	6,207
VANGUARD SCOTTSDALE FDS	SHRT TRM CORP BD	92206C409	4,834,851	60,877	SH		SOLE		0	0	60,877
VANGUARD SCOTTSDALE FDS	INTER TERM TREAS	92206C706	416,898	6,900	SH		SOLE		0	0	6,900
VANGUARD SCOTTSDALE FDS	INT-TERM CORP	92206C870	2,518,128	30,067	SH		SOLE		0	0	30,067
VANGUARD SPECIALIZED FUNDS	DIV APP ETF	921908844	28,038,029	141,563	SH		SOLE		0	0	141,563
VANGUARD STAR FDS	VG TL INTL STK F	921909768	227,459	3,513	SH		SOLE		0	0	3,513
VANGUARD WHITEHALL FDS	HIGH DIV YLD	921946406	811,195	6,328	SH		SOLE		0	0	6,328
VANGUARD WORLD FD	UTILITIES ETF	92204A876	1,269,514	7,294	SH		SOLE		0	0	7,294
VANGUARD WORLD FD	HEALTH CAR ETF	92204A504	6,441,579	22,826	SH		SOLE		0	0	22,826
VANGUARD WORLD FD	INF TECH ETF	92204A702	2,578,104	4,396	SH		SOLE		0	0	4,396
VANGUARD WORLD FD	MEGA CAP INDEX	921910873	8,339,208	40,356	SH		SOLE		0	0	40,356
VANGUARD WORLD FD	CONSUM DIS ETF	92204A108	948,918	2,787	SH		SOLE		0	0	2,787
VANGUARD WORLD FD	COMM SRVC ETF	92204A884	231,606	1,593	SH		SOLE		0	0	1,593
VANGUARD WORLD FD	CONSUM STP ETF	92204A207	1,871,063	8,564	SH		SOLE		0	0	8,564
VANGUARD WORLD FD	MEGA GRWTH IND	921910816	1,450,385	4,505	SH		SOLE		0	0	4,505
VANGUARD WORLD FD	MEGA CAP VAL ETF	921910840	3,885,002	30,285	SH		SOLE		0	0	30,285
VANGUARD WORLD FD	FINANCIALS ETF	92204A405	2,222,672	20,223	SH		SOLE		0	0	20,223
VANGUARD WORLD FD	ENERGY ETF	92204A306	1,695,352	13,843	SH		SOLE		0	0	13,843
VANGUARD WORLD FD	INDUSTRIAL ETF	92204A603	829,883	3,191	SH		SOLE		0	0	3,191
VANGUARD WORLD FD	MATERIALS ETF	92204A801	787,726	3,725	SH		SOLE		0	0	3,725
VERIZON COMMUNICATIONS INC	COM	92343V104	795,534	17,714	SH		SOLE		0	0	17,714
VISA INC	COM CL A	92826C839	2,251,984	8,191	SH		SOLE		0	0	8,191
WALMART INC	COM	931142103	2,608,229	32,300	SH		SOLE		0	0	32,300
WASTE MGMT INC DEL	COM	94106L109	238,249	1,148	SH		SOLE		0	0	1,148
WELLTOWER INC	COM	95040Q104	1,399,999	10,935	SH		SOLE		0	0	10,935
WISDOMTREE TR	US SMALLCAP DIVD	97717W604	234,394	6,796	SH		SOLE		0	0	6,796