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	1,070,839	5,747	SH		SOLE	0	5,747	0	0
PRUDENTIAL FINL INC COM	Stock	744320102	1,713,686	14,151	SH		SOLE	0	14,151	0	0
INVESCO QQQ TRUST SERIES I	ETF	46090E103	204,501	419	SH		SOLE	0	419	0	0
ELEVANCE HEALTH INC COM	Stock	036752103	216,840	417	SH		SOLE	0	417	0	0
JOHNSON & JOHNSON COM	Stock	478160104	7,924,344	48,898	SH		SOLE	0	48,897	0	0
WASTE MGMT INC DEL COM	Stock	94106L109	1,310,164	6,311	SH		SOLE	0	6,311	0	0
COSTCO WHSL CORP NEW COM	Stock	22160K105	4,512,387	5,090	SH		SOLE	0	5,090	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	4,965,400	28,669	SH		SOLE	0	28,668	0	0
TRUIST FINL CORP COM	Stock	89832Q109	3,349,276	78,309	SH		SOLE	0	78,309	0	0
UNITED PARCEL SERVICE INC CL B	Stock	911312106	4,204,800	30,841	SH		SOLE	0	30,840	0	0
CME GROUP INC COM	Stock	12572Q105	2,303,365	10,439	SH		SOLE	0	10,439	0	0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST	ETF	78467X109	227,639	538	SH		SOLE	0	538	0	0
PAYCHEX INC COM	Stock	704326107	1,584,918	11,811	SH		SOLE	0	11,811	0	0
MERCK & CO INC COM	Stock	58933Y105	2,934,230	25,839	SH		SOLE	0	25,838	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	917,442	1,599	SH		SOLE	0	1,599	0	0
MASTERCARD INCORPORATED CL A	Stock	57636Q104	1,550,146	3,139	SH		SOLE	0	3,139	0	0
ALLSTATE CORP COM	Stock	020002101	1,102,435	5,813	SH		SOLE	0	5,813	0	0
BANK NEW YORK MELLON CORP COM	Stock	064058100	864,481	12,030	SH		SOLE	0	12,030	0	0
PEPSICO INC COM	Stock	713448108	4,418,311	25,982	SH		SOLE	0	25,982	0	0
KIMBERLY-CLARK CORP COM	Stock	494368103	1,980,822	13,922	SH		SOLE	0	13,922	0	0
HOME DEPOT INC COM	Stock	437076102	7,402,471	18,269	SH		SOLE	0	18,268	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	1,388,631	5,018	SH		SOLE	0	5,018	0	0
CENCORA INC COM	Stock	03073E105	671,639	2,984	SH		SOLE	0	2,984	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	628,386	1,674	SH		SOLE	0	1,674	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	533,902	1,160	SH		SOLE	0	1,160	0	0
ISHARES U.S. INFRASTRUCTURE ETF	ETF	46435U713	281,632	5,996	SH		SOLE	0	5,996	0	0
MICROSOFT CORP COM	Stock	594918104	10,760,753	25,008	SH		SOLE	0	25,007	0	0
LENNAR CORP CL A	Stock	526057104	1,167,438	6,227	SH		SOLE	0	6,227	0	0
PGIM ULTRA SHORT BOND ETF	ETF	69344A107	472,424	9,490	SH		SOLE	0	9,490	0	0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF	ETF	46434G764	1,106,519	18,107	SH		SOLE	0	18,107	0	0
NORFOLK SOUTHN CORP COM	Stock	655844108	444,567	1,789	SH		SOLE	0	1,789	0	0
BLACKROCK U.S. EQUITY FACTOR ROTATION ETF	ETF	09290C103	2,449,507	49,515	SH		SOLE	0	49,515	0	0
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	275,548	1,538	SH		SOLE	0	1,538	0	0
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	2,172,915	20,185	SH		SOLE	0	20,185	0	0
FIDELITY NATL INFORMATION SVCS COM	Stock	31620M106	508,865	6,076	SH		SOLE	0	6,076	0	0
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	2,044,041	35,530	SH		SOLE	0	35,530	0	0
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	2,107,164	24,928	SH		SOLE	0	24,928	0	0
TRACTOR SUPPLY CO COM	Stock	892356106	1,107,861	3,808	SH		SOLE	0	3,808	0	0
VISA INC COM CL A	Stock	92826C839	2,541,248	9,243	SH		SOLE	0	9,242	0	0
HERSHEY CO COM	Stock	427866108	1,481,501	7,725	SH		SOLE	0	7,725	0	0
L3HARRIS TECHNOLOGIES INC COM	Stock	502431109	1,694,830	7,125	SH		SOLE	0	7,125	0	0
META PLATFORMS INC CL A	Stock	30303M102	634,335	1,108	SH		SOLE	0	1,108	0	0
BROADCOM INC COM	Stock	11135F101	16,222,824	94,045	SH		SOLE	0	94,045	0	0
METLIFE INC COM	Stock	59156R108	2,740,875	33,231	SH		SOLE	0	33,230	0	0
NOVARTIS AG SPONSORED ADR	ADR	66987V109	222,104	1,931	SH		SOLE	0	1,931	0	0
CF INDS HLDGS INC COM	Stock	125269100	1,159,930	13,519	SH		SOLE	0	13,519	0	0
ABBVIE INC COM	Stock	00287Y109	9,388,844	47,543	SH		SOLE	0	47,543	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	589,556	10,269	SH		SOLE	0	10,269	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	6,000,538	79,890	SH		SOLE	0	79,890	0	0
FASTENAL CO COM	Stock	311900104	1,588,024	22,235	SH		SOLE	0	22,235	0	0
CISCO SYS INC COM	Stock	17275R102	6,344,488	119,212	SH		SOLE	0	119,212	0	0
ISHARES BITCOIN TRUST ETF	ETF	46438F101	397,430	11,000	SH		SOLE	0	11,000	0	0
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	2,751,717	15,347	SH		SOLE	0	15,347	0	0
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	1,082,567	7,140	SH		SOLE	0	7,140	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,541,278	7,817	SH		SOLE	0	7,817	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	2,978,208	31,104	SH		SOLE	0	31,104	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	9,186,871	15,927	SH		SOLE	0	15,926	0	0
UNION PAC CORP COM	Stock	907818108	2,658,562	10,786	SH		SOLE	0	10,786	0	0
DARDEN RESTAURANTS INC COM	Stock	237194105	1,115,592	6,797	SH		SOLE	0	6,797	0	0
LOCKHEED MARTIN CORP COM	Stock	539830109	5,620,579	9,615	SH		SOLE	0	9,615	0	0
JPMORGAN CHASE & CO. COM	Stock	46625H100	10,383,889	49,245	SH		SOLE	0	49,245	0	0
CHEVRON CORP NEW COM	Stock	166764100	7,196,486	48,866	SH		SOLE	0	48,865	0	0
M & T BK CORP COM	Stock	55261F104	2,441,135	13,705	SH		SOLE	0	13,705	0	0
TJX COS INC NEW COM	Stock	872540109	1,175,379	10,000	SH		SOLE	0	9,999	0	0
WALMART INC COM	Stock	931142103	659,468	8,167	SH		SOLE	0	8,166	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	3,506,568	15,861	SH		SOLE	0	15,861	0	0
TEXAS INSTRS INC COM	Stock	882508104	3,102,681	15,020	SH		SOLE	0	15,020	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	648,436	5,058	SH		SOLE	0	5,058	0	0
PFIZER INC COM	Stock	717081103	1,214,231	41,957	SH		SOLE	0	41,956	0	0
KLA CORP COM NEW	Stock	482480100	957,399	1,236	SH		SOLE	0	1,236	0	0
HP INC COM	Stock	40434L105	1,806,880	50,373	SH		SOLE	0	50,373	0	0
GILEAD SCIENCES INC COM	Stock	375558103	2,054,928	24,510	SH		SOLE	0	24,510	0	0
BEST BUY INC COM	Stock	086516101	2,779,803	26,910	SH		SOLE	0	26,910	0	0
AMGEN INC COM	Stock	031162100	2,188,501	6,792	SH		SOLE	0	6,792	0	0
APPLIED MATLS INC COM	Stock	038222105	1,706,998	8,448	SH		SOLE	0	8,448	0	0
ANALOG DEVICES INC COM	Stock	032654105	1,109,916	4,822	SH		SOLE	0	4,822	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	449,398	2,269	SH		SOLE	0	2,269	0	0
ISHARES CORE DIVIDEND GROWTH ETF	ETF	46434V621	341,974	5,455	SH		SOLE	0	5,455	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	244,553	5,190	SH		SOLE	0	5,190	0	0
LAM RESEARCH CORP COM NEW	Stock	512807306	1,696,489	2,079	SH		SOLE	0	2,078	0	0
PNC FINL SVCS GROUP INC COM	Stock	693475105	2,791,919	15,104	SH		SOLE	0	15,103	0	0
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	2,353,507	45,487	SH		SOLE	0	45,487	0	0
ALTRIA GROUP INC COM	Stock	02209S103	6,042,728	118,392	SH		SOLE	0	118,392	0	0
DOMINION ENERGY INC COM	Stock	25746U109	510,806	8,839	SH		SOLE	0	8,839	0	0
EXXON MOBIL CORP COM	Stock	30231G102	8,760,267	74,734	SH		SOLE	0	74,733	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	6,019,031	10,295	SH		SOLE	0	10,294	0	0
ARK INNOVATION ETF	ETF	00214Q104	480,196	10,103	SH		SOLE	0	10,103	0	0
SCHWAB CHARLES CORP COM	Stock	808513105	1,830,170	28,239	SH		SOLE	0	28,239	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	296,332	4,755	SH		SOLE	0	4,755	0	0
APPLE INC COM	Stock	037833100	2,684,305	11,521	SH		SOLE	0	11,520	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	221,307	1,166	SH		SOLE	0	1,166	0	0