Commonwealth Retirement Investments 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
Expires:	Oct 31, 2018
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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
AMAZON COM INC COM	Stock	023135106	635,565	4,183	SH		SOLE	0	4,183	0	0
PRUDENTIAL FINL INC COM	Stock	744320102	1,423,316	13,724	SH		SOLE	0	13,724	0	0
JOHNSON & JOHNSON COM	Stock	478160104	5,516,148	35,193	SH		SOLE	0	35,192	0	0
WASTE MGMT INC DEL COM	Stock	94106L109	1,207,313	6,741	SH		SOLE	0	6,741	0	0
COSTCO WHSL CORP NEW COM	Stock	22160K105	3,427,135	5,192	SH		SOLE	0	5,192	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	3,898,404	26,603	SH		SOLE	0	26,603	0	0
TRUIST FINL CORP COM	Stock	89832Q109	2,493,355	67,534	SH		SOLE	0	67,534	0	0
UNITED PARCEL SERVICE INC CL B	Stock	911312106	3,824,845	24,326	SH		SOLE	0	24,326	0	0
CME GROUP INC COM	Stock	12572Q105	1,789,679	8,498	SH		SOLE	0	8,498	0	0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST	ETF	78467X109	202,756	538	SH		SOLE	0	538	0	0
PAYCHEX INC COM	Stock	704326107	1,239,101	10,403	SH		SOLE	0	10,403	0	0
MERCK & CO INC COM	Stock	58933Y105	6,412,011	58,815	SH		SOLE	0	58,815	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	744,811	1,567	SH		SOLE	0	1,567	0	0
MASTERCARD INCORPORATED CL A	Stock	57636Q104	1,119,659	2,625	SH		SOLE	0	2,625	0	0
ISHARES S&P 100 ETF	ETF	464287101	563,836	2,524	SH		SOLE	0	2,524	0	0
BANK NEW YORK MELLON CORP COM	Stock	064058100	1,444,752	27,757	SH		SOLE	0	27,757	0	0
PEPSICO INC COM	Stock	713448108	4,915,849	28,944	SH		SOLE	0	28,944	0	0
KIMBERLY-CLARK CORP COM	Stock	494368103	2,111,236	17,375	SH		SOLE	0	17,375	0	0
ISHARES ESG AWARE MSCI USA ETF	ETF	46435G425	1,581,669	15,075	SH		SOLE	0	15,075	0	0
HOME DEPOT INC COM	Stock	437076102	6,121,180	17,663	SH		SOLE	0	17,663	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	1,037,415	4,453	SH		SOLE	0	4,453	0	0
CENCORA INC COM	Stock	03073E105	612,854	2,984	SH		SOLE	0	2,984	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	507,507	1,674	SH		SOLE	0	1,674	0	0
CONSUMER STAPLES SELECT SECTOR SPDR FUND	ETF	81369Y308	216,018	2,999	SH		SOLE	0	2,999	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	556,033	1,559	SH		SOLE	0	1,559	0	0
ISHARES U.S. INFRASTRUCTURE ETF	ETF	46435U713	278,105	6,906	SH		SOLE	0	6,906	0	0
MICROSOFT CORP COM	Stock	594918104	9,416,452	25,041	SH		SOLE	0	25,041	0	0
FIRST TRUST NASDAQ FOOD & BEVERAGE ETF	ETF	33738R852	288,888	11,908	SH		SOLE	0	11,908	0	0
PGIM ULTRA SHORT BOND ETF	ETF	69344A107	683,357	13,836	SH		SOLE	0	13,835	0	0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF	ETF	46434G764	333,901	6,026	SH		SOLE	0	6,026	0	0
NORFOLK SOUTHN CORP COM	Stock	655844108	1,441,682	6,099	SH		SOLE	0	6,099	0	0
PROSPECT CAP CORP 6.375 03/01/2025	Convertible	74348TAT9	29,680	30,000	SH		SOLE	0	30,000	0	0
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	1,176,050	12,143	SH		SOLE	0	12,143	0	0
FIDELITY NATL INFORMATION SVCS COM	Stock	31620M106	1,414,228	23,543	SH		SOLE	0	23,543	0	0
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	1,856,740	35,638	SH		SOLE	0	35,638	0	0
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	2,340,769	30,747	SH		SOLE	0	30,747	0	0
VISA INC COM CL A	Stock	92826C839	2,090,201	8,028	SH		SOLE	0	8,028	0	0
HERSHEY CO COM	Stock	427866108	891,183	4,780	SH		SOLE	0	4,780	0	0
ISHARES MSCI USA MIN VOL FACTOR ETF	ETF	46429B697	400,294	5,130	SH		SOLE	0	5,130	0	0
PROSHARES BITCOIN STRATEGY ETF	ETF	74347G440	204,908	10,000	SH		SOLE	0	10,000	0	0
L3HARRIS TECHNOLOGIES INC COM	Stock	502431109	1,381,420	6,559	SH		SOLE	0	6,558	0	0
META PLATFORMS INC CL A	Stock	30303M102	313,255	885	SH		SOLE	0	885	0	0
BROADCOM INC COM	Stock	11135F101	14,524,372	13,012	SH		SOLE	0	13,011	0	0
METLIFE INC COM	Stock	59156R108	1,818,076	27,492	SH		SOLE	0	27,492	0	0
ABBVIE INC COM	Stock	00287Y109	6,696,990	43,215	SH		SOLE	0	43,214	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	798,669	15,790	SH		SOLE	0	15,790	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	4,760,009	64,718	SH		SOLE	0	64,718	0	0
FASTENAL CO COM	Stock	311900104	1,306,152	20,166	SH		SOLE	0	20,166	0	0
CISCO SYS INC COM	Stock	17275R102	6,683,651	132,297	SH		SOLE	0	132,297	0	0
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	1,582,312	18,873	SH		SOLE	0	18,873	0	0
ISHARES U.S. CONSUMER STAPLES ETF	ETF	464287812	1,579,307	8,238	SH		SOLE	0	8,238	0	0
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	2,151,628	14,623	SH		SOLE	0	14,623	0	0
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	764,242	6,226	SH		SOLE	0	6,226	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	511,957	6,817	SH		SOLE	0	6,817	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	9,070,035	18,990	SH		SOLE	0	18,989	0	0
UNION PAC CORP COM	Stock	907818108	2,695,381	10,974	SH		SOLE	0	10,973	0	0
LOCKHEED MARTIN CORP COM	Stock	539830109	4,792,107	10,573	SH		SOLE	0	10,573	0	0
JPMORGAN CHASE & CO COM	Stock	46625H100	8,621,547	50,685	SH		SOLE	0	50,685	0	0
CHEVRON CORP NEW COM	Stock	166764100	4,108,555	27,545	SH		SOLE	0	27,544	0	0
M & T BK CORP COM	Stock	55261F104	1,265,385	9,231	SH		SOLE	0	9,231	0	0
WALMART INC COM	Stock	931142103	443,601	2,814	SH		SOLE	0	2,813	0	0
TEXAS INSTRS INC COM	Stock	882508104	2,347,916	13,774	SH		SOLE	0	13,774	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	663,975	5,948	SH		SOLE	0	5,948	0	0
PFIZER INC COM	Stock	717081103	2,821,506	98,003	SH		SOLE	0	98,003	0	0
KLA CORP COM NEW	Stock	482480100	1,659,738	2,855	SH		SOLE	0	2,855	0	0
HP INC COM	Stock	40434L105	1,323,148	43,973	SH		SOLE	0	43,973	0	0
BEST BUY INC COM	Stock	086516101	2,748,333	35,109	SH		SOLE	0	35,109	0	0
APPLIED MATLS INC COM	Stock	038222105	1,443,701	8,908	SH		SOLE	0	8,907	0	0
ANALOG DEVICES INC COM	Stock	032654105	942,417	4,746	SH		SOLE	0	4,746	0	0
INVESCO PHARMACEUTICALS ETF	ETF	46137V662	1,557,150	20,462	SH		SOLE	0	20,462	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	476,873	2,799	SH		SOLE	0	2,798	0	0
ISHARES CORE DIVIDEND GROWTH ETF	ETF	46434V621	384,867	7,151	SH		SOLE	0	7,151	0	0
ISHARES U.S. INSURANCE ETF	ETF	464288786	230,487	2,302	SH		SOLE	0	2,302	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	207,868	4,512	SH		SOLE	0	4,512	0	0
LAM RESEARCH CORP COM	Stock	512807108	1,718,287	2,194	SH		SOLE	0	2,193	0	0
PNC FINL SVCS GROUP INC COM	Stock	693475105	1,581,542	10,213	SH		SOLE	0	10,213	0	0
ALTRIA GROUP INC COM	Stock	02209S103	3,200,374	79,335	SH		SOLE	0	79,335	0	0
DOMINION ENERGY INC COM	Stock	25746U109	444,526	9,458	SH		SOLE	0	9,458	0	0
EXXON MOBIL CORP COM	Stock	30231G102	6,805,495	68,069	SH		SOLE	0	68,068	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	3,118,448	5,923	SH		SOLE	0	5,923	0	0
ARK INNOVATION ETF	ETF	00214Q104	700,501	13,376	SH		SOLE	0	13,376	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	284,356	1,026	SH		SOLE	0	1,026	0	0
APPLE INC COM	Stock	037833100	1,773,397	9,211	SH		SOLE	0	9,211	0	0