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

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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
AMAZON COM INC COM	Stock	023135106	905,376	4,685	SH		SOLE	0	4,685	0	0
PRUDENTIAL FINL INC COM	Stock	744320102	1,616,988	13,798	SH		SOLE	0	13,798	0	0
ELEVANCE HEALTH INC COM	Stock	036752103	225,956	417	SH		SOLE	0	417	0	0
JOHNSON & JOHNSON COM	Stock	478160104	7,019,830	48,028	SH		SOLE	0	48,028	0	0
WASTE MGMT INC DEL COM	Stock	94106L109	1,346,389	6,311	SH		SOLE	0	6,311	0	0
COSTCO WHSL CORP NEW COM	Stock	22160K105	4,319,649	5,082	SH		SOLE	0	5,082	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	4,674,885	28,346	SH		SOLE	0	28,346	0	0
TRUIST FINL CORP COM	Stock	89832Q109	2,875,250	74,009	SH		SOLE	0	74,009	0	0
UNITED PARCEL SERVICE INC CL B	Stock	911312106	4,048,716	29,585	SH		SOLE	0	29,585	0	0
CME GROUP INC COM	Stock	12572Q105	2,002,174	10,184	SH		SOLE	0	10,184	0	0
NETFLIX INC COM	Stock	64110L106	203,139	301	SH		SOLE	0	301	0	0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST	ETF	78467X109	210,428	538	SH		SOLE	0	538	0	0
PAYCHEX INC COM	Stock	704326107	1,379,801	11,638	SH		SOLE	0	11,638	0	0
MERCK & CO INC COM	Stock	58933Y105	3,437,838	27,769	SH		SOLE	0	27,769	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	878,371	1,614	SH		SOLE	0	1,614	0	0
MASTERCARD INCORPORATED CL A	Stock	57636Q104	1,344,744	3,048	SH		SOLE	0	3,048	0	0
ALLSTATE CORP COM	Stock	020002101	851,626	5,334	SH		SOLE	0	5,334	0	0
BANK NEW YORK MELLON CORP COM	Stock	064058100	762,400	12,730	SH		SOLE	0	12,730	0	0
PEPSICO INC COM	Stock	713448108	4,255,348	25,801	SH		SOLE	0	25,800	0	0
KIMBERLY-CLARK CORP COM	Stock	494368103	1,953,457	14,135	SH		SOLE	0	14,135	0	0
HOME DEPOT INC COM	Stock	437076102	6,127,650	17,801	SH		SOLE	0	17,800	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	1,179,129	4,940	SH		SOLE	0	4,940	0	0
CENCORA INC COM	Stock	03073E105	672,295	2,984	SH		SOLE	0	2,984	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	610,190	1,674	SH		SOLE	0	1,674	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	672,847	1,654	SH		SOLE	0	1,654	0	0
ISHARES U.S. INFRASTRUCTURE ETF	ETF	46435U713	250,319	5,943	SH		SOLE	0	5,943	0	0
MICROSOFT CORP COM	Stock	594918104	11,029,561	24,677	SH		SOLE	0	24,677	0	0
LENNAR CORP CL A	Stock	526057104	861,902	5,751	SH		SOLE	0	5,751	0	0
PGIM ULTRA SHORT BOND ETF	ETF	69344A107	691,385	13,911	SH		SOLE	0	13,911	0	0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF	ETF	46434G764	754,149	12,739	SH		SOLE	0	12,739	0	0
NORFOLK SOUTHN CORP COM	Stock	655844108	420,363	1,958	SH		SOLE	0	1,958	0	0
PROSPECT CAP CORP 6.375 03/01/2025	Convertible	74348TAT9	29,812	30,000	SH		SOLE	0	30,000	0	0
BLACKROCK U.S. EQUITY FACTOR ROTATION ETF	ETF	09290C103	2,273,163	48,427	SH		SOLE	0	48,427	0	0
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	2,081,805	20,350	SH		SOLE	0	20,350	0	0
FIDELITY NATL INFORMATION SVCS COM	Stock	31620M106	535,810	7,110	SH		SOLE	0	7,110	0	0
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	883,646	16,660	SH		SOLE	0	16,660	0	0
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	2,068,572	26,602	SH		SOLE	0	26,602	0	0
TRACTOR SUPPLY CO COM	Stock	892356106	943,380	3,494	SH		SOLE	0	3,494	0	0
VISA INC COM CL A	Stock	92826C839	2,355,807	8,976	SH		SOLE	0	8,975	0	0
HERSHEY CO COM	Stock	427866108	1,397,108	7,600	SH		SOLE	0	7,600	0	0
L3HARRIS TECHNOLOGIES INC COM	Stock	502431109	1,568,907	6,986	SH		SOLE	0	6,985	0	0
META PLATFORMS INC CL A	Stock	30303M102	499,210	990	SH		SOLE	0	990	0	0
BROADCOM INC COM	Stock	11135F101	15,292,466	9,525	SH		SOLE	0	9,524	0	0
METLIFE INC COM	Stock	59156R108	2,285,551	32,562	SH		SOLE	0	32,562	0	0
NOVARTIS AG SPONSORED ADR	ADR	66987V109	205,574	1,931	SH		SOLE	0	1,931	0	0
CF INDS HLDGS INC COM	Stock	125269100	915,382	12,350	SH		SOLE	0	12,350	0	0
ABBVIE INC COM	Stock	00287Y109	8,067,116	47,033	SH		SOLE	0	47,033	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	792,737	14,809	SH		SOLE	0	14,809	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	5,119,297	71,052	SH		SOLE	0	71,052	0	0
FASTENAL CO COM	Stock	311900104	1,358,978	21,626	SH		SOLE	0	21,626	0	0
CISCO SYS INC COM	Stock	17275R102	5,631,914	118,542	SH		SOLE	0	118,541	0	0
ISHARES BITCOIN TRUST REGISTERED	ETF	46438F101	204,840	6,000	SH		SOLE	0	6,000	0	0
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	2,562,083	15,004	SH		SOLE	0	15,004	0	0
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	1,209,569	8,037	SH		SOLE	0	8,037	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,420,588	7,805	SH		SOLE	0	7,805	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	2,793,598	30,188	SH		SOLE	0	30,188	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	8,620,361	15,753	SH		SOLE	0	15,752	0	0
UNION PAC CORP COM	Stock	907818108	2,418,268	10,688	SH		SOLE	0	10,688	0	0
DARDEN RESTAURANTS INC COM	Stock	237194105	933,342	6,168	SH		SOLE	0	6,168	0	0
LOCKHEED MARTIN CORP COM	Stock	539830109	4,515,011	9,666	SH		SOLE	0	9,666	0	0
JPMORGAN CHASE & CO. COM	Stock	46625H100	9,873,335	48,815	SH		SOLE	0	48,815	0	0
CHEVRON CORP NEW COM	Stock	166764100	7,295,286	46,639	SH		SOLE	0	46,639	0	0
M & T BK CORP COM	Stock	55261F104	2,019,142	13,340	SH		SOLE	0	13,340	0	0
TJX COS INC NEW COM	Stock	872540109	1,037,013	9,419	SH		SOLE	0	9,418	0	0
WALMART INC COM	Stock	931142103	524,903	7,752	SH		SOLE	0	7,752	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	2,554,478	14,770	SH		SOLE	0	14,770	0	0
TEXAS INSTRS INC COM	Stock	882508104	2,877,682	14,793	SH		SOLE	0	14,793	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	662,737	5,588	SH		SOLE	0	5,588	0	0
PFIZER INC COM	Stock	717081103	1,353,507	48,374	SH		SOLE	0	48,374	0	0
KLA CORP COM NEW	Stock	482480100	1,085,274	1,316	SH		SOLE	0	1,316	0	0
HP INC COM	Stock	40434L105	1,757,093	50,174	SH		SOLE	0	50,174	0	0
GILEAD SCIENCES INC COM	Stock	375558103	1,556,216	22,682	SH		SOLE	0	22,682	0	0
ISHARES CURRENCY HEDGED MSCI EAFE ETF	ETF	46434V803	470,429	13,231	SH		SOLE	0	13,231	0	0
BEST BUY INC COM	Stock	086516101	2,305,500	27,352	SH		SOLE	0	27,352	0	0
AMGEN INC COM	Stock	031162100	1,950,968	6,244	SH		SOLE	0	6,244	0	0
APPLIED MATLS INC COM	Stock	038222105	1,949,083	8,259	SH		SOLE	0	8,259	0	0
ANALOG DEVICES INC COM	Stock	032654105	1,100,640	4,822	SH		SOLE	0	4,821	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	440,493	2,413	SH		SOLE	0	2,413	0	0
ISHARES CORE DIVIDEND GROWTH ETF	ETF	46434V621	337,479	5,858	SH		SOLE	0	5,858	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	242,017	5,352	SH		SOLE	0	5,352	0	0
LAM RESEARCH CORP COM	Stock	512807108	2,165,707	2,034	SH		SOLE	0	2,033	0	0
PNC FINL SVCS GROUP INC COM	Stock	693475105	2,295,288	14,763	SH		SOLE	0	14,762	0	0
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	1,742,002	41,946	SH		SOLE	0	41,945	0	0
ALTRIA GROUP INC COM	Stock	02209S103	5,337,731	117,184	SH		SOLE	0	117,184	0	0
DOMINION ENERGY INC COM	Stock	25746U109	399,791	8,159	SH		SOLE	0	8,159	0	0
EXXON MOBIL CORP COM	Stock	30231G102	8,394,267	72,918	SH		SOLE	0	72,917	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	5,143,772	10,100	SH		SOLE	0	10,100	0	0
ARK INNOVATION ETF	ETF	00214Q104	521,994	11,877	SH		SOLE	0	11,877	0	0
SCHWAB CHARLES CORP COM	Stock	808513105	1,859,420	25,233	SH		SOLE	0	25,233	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	278,263	4,755	SH		SOLE	0	4,755	0	0
APPLE INC COM	Stock	037833100	2,091,339	9,929	SH		SOLE	0	9,929	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	203,432	1,166	SH		SOLE	0	1,166	0	0