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
Estimated average burden
hours per response:		23.8

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	1,059,654	4,830	SH		SOLE	0	4,830	0	0
PRUDENTIAL FINL INC COM	Stock	744320102	1,703,276	14,370	SH		SOLE	0	14,370	0	0
INVESCO QQQ TRUST SERIES I	ETF	46090E103	321,811	629	SH		SOLE	0	629	0	0
JOHNSON & JOHNSON COM	Stock	478160104	6,774,118	46,841	SH		SOLE	0	46,840	0	0
WASTE MGMT INC DEL COM	Stock	94106L109	1,271,479	6,301	SH		SOLE	0	6,301	0	0
COSTCO WHSL CORP NEW COM	Stock	22160K105	4,652,819	5,078	SH		SOLE	0	5,078	0	0
PROCTER AND GAMBLE CO COM	Stock	742718109	4,922,337	29,361	SH		SOLE	0	29,360	0	0
TRUIST FINL CORP COM	Stock	89832Q109	3,383,033	77,986	SH		SOLE	0	77,986	0	0
UNITED PARCEL SERVICE INC CL B	Stock	911312106	3,583,778	28,420	SH		SOLE	0	28,420	0	0
CME GROUP INC COM	Stock	12572Q105	2,490,435	10,724	SH		SOLE	0	10,724	0	0
NETFLIX INC COM	Stock	64110L106	232,635	261	SH		SOLE	0	261	0	0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF TRUST	ETF	78467X109	228,919	538	SH		SOLE	0	538	0	0
PAYCHEX INC COM	Stock	704326107	1,677,732	11,965	SH		SOLE	0	11,965	0	0
MERCK & CO INC COM	Stock	58933Y105	2,532,953	25,462	SH		SOLE	0	25,461	0	0
SPDR S&P 500 ETF TRUST	ETF	78462F103	880,292	1,502	SH		SOLE	0	1,502	0	0
MASTERCARD INCORPORATED CL A	Stock	57636Q104	1,681,461	3,193	SH		SOLE	0	3,193	0	0
ALLSTATE CORP COM	Stock	020002101	1,175,826	6,099	SH		SOLE	0	6,099	0	0
BANK NEW YORK MELLON CORP COM	Stock	064058100	923,968	12,026	SH		SOLE	0	12,026	0	0
VERIZON COMMUNICATIONS INC COM	Stock	92343V104	283,408	7,087	SH		SOLE	0	7,086	0	0
PEPSICO INC COM	Stock	713448108	4,077,553	26,815	SH		SOLE	0	26,815	0	0
KIMBERLY-CLARK CORP COM	Stock	494368103	1,850,419	14,121	SH		SOLE	0	14,121	0	0
HOME DEPOT INC COM	Stock	437076102	7,072,165	18,181	SH		SOLE	0	18,180	0	0
AUTOMATIC DATA PROCESSING INC COM	Stock	053015103	1,493,801	5,103	SH		SOLE	0	5,103	0	0
CENCORA INC COM	Stock	03073E105	670,445	2,984	SH		SOLE	0	2,984	0	0
ISHARES RUSSELL 1000 GROWTH ETF	ETF	464287614	672,245	1,674	SH		SOLE	0	1,674	0	0
BERKSHIRE HATHAWAY INC DEL CL B NEW	Stock	084670702	525,805	1,160	SH		SOLE	0	1,160	0	0
ISHARES U.S. INFRASTRUCTURE ETF	ETF	46435U713	279,406	6,036	SH		SOLE	0	6,036	0	0
MICROSOFT CORP COM	Stock	594918104	10,827,801	25,689	SH		SOLE	0	25,688	0	0
LENNAR CORP CL A	Stock	526057104	889,405	6,522	SH		SOLE	0	6,522	0	0
PGIM ULTRA SHORT BOND ETF	ETF	69344A107	1,442,404	29,110	SH		SOLE	0	29,110	0	0
ISHARES MSCI EMERGING MARKETS EX CHINA ETF	ETF	46434G764	1,073,013	19,351	SH		SOLE	0	19,351	0	0
NORFOLK SOUTHN CORP COM	Stock	655844108	410,960	1,751	SH		SOLE	0	1,751	0	0
BLACKROCK U.S. EQUITY FACTOR ROTATION ETF	ETF	09290C103	2,589,816	50,533	SH		SOLE	0	50,533	0	0
INVESCO S&P 500 EQUAL WEIGHT ETF	ETF	46137V357	269,679	1,539	SH		SOLE	0	1,539	0	0
ISHARES MSCI EAFE GROWTH ETF	ETF	464288885	2,229,511	23,025	SH		SOLE	0	23,025	0	0
ELI LILLY & CO COM	Stock	532457108	263,717	342	SH		SOLE	0	341	0	0
FIDELITY NATL INFORMATION SVCS COM	Stock	31620M106	477,835	5,916	SH		SOLE	0	5,916	0	0
ISHARES MSCI EAFE VALUE ETF	ETF	464288877	2,196,237	41,857	SH		SOLE	0	41,857	0	0
ENERGY TRANSFER L P COM UT LTD PTN	Stock	29273V100	195,900	10,000	SH		SOLE	0	10,000	0	0
SCHWAB US DIVIDEND EQUITY ETF	ETF	808524797	1,823,084	66,731	SH		SOLE	0	66,730	0	0
TRACTOR SUPPLY CO COM	Stock	892356106	1,091,922	20,579	SH		SOLE	0	20,579	0	0
ISHARES HIGH YIELD MUNI INCOME ACTIVE ETF	ETF	092528108	348,239	15,368	SH		SOLE	0	15,368	0	0
VISA INC COM CL A	Stock	92826C839	2,988,359	9,456	SH		SOLE	0	9,455	0	0
HERSHEY CO COM	Stock	427866108	1,189,345	7,023	SH		SOLE	0	7,023	0	0
L3HARRIS TECHNOLOGIES INC COM	Stock	502431109	1,530,227	7,277	SH		SOLE	0	7,277	0	0
VANECK BIOTECH ETF	ETF	92189F726	215,363	1,372	SH		SOLE	0	1,372	0	0
META PLATFORMS INC CL A	Stock	30303M102	534,681	913	SH		SOLE	0	913	0	0
ISHARES US TRANSPORTATION ETF	ETF	464287192	531,708	7,869	SH		SOLE	0	7,869	0	0
BROADCOM INC COM	Stock	11135F101	20,484,399	88,356	SH		SOLE	0	88,355	0	0
METLIFE INC COM	Stock	59156R108	2,751,018	33,598	SH		SOLE	0	33,598	0	0
CF INDS HLDGS INC COM	Stock	125269100	1,208,217	14,161	SH		SOLE	0	14,161	0	0
ABBVIE INC COM	Stock	00287Y109	8,687,592	48,889	SH		SOLE	0	48,889	0	0
ISHARES CORE MSCI EMERGING MARKETS ETF	ETF	46434G103	555,307	10,634	SH		SOLE	0	10,634	0	0
VANGUARD TOTAL BOND MARKET ETF	ETF	921937835	6,224,817	86,564	SH		SOLE	0	86,564	0	0
FASTENAL CO COM	Stock	311900104	1,614,883	22,457	SH		SOLE	0	22,457	0	0
CISCO SYS INC COM	Stock	17275R102	7,055,597	119,182	SH		SOLE	0	119,182	0	0
ISHARES BITCOIN TRUST ETF	ETF	46438F101	716,175	13,500	SH		SOLE	0	13,500	0	0
ENERGY SELECT SECTOR SPDR FUND	ETF	81369Y506	2,046,160	23,887	SH		SOLE	0	23,887	0	0
ISHARES MSCI USA QUALITY FACTOR ETF	ETF	46432F339	2,847,143	15,988	SH		SOLE	0	15,988	0	0
ISHARES MSCI USA MOMENTUM FACTOR ETF	ETF	46432F396	593,860	2,870	SH		SOLE	0	2,870	0	0
ISHARES U.S. TECHNOLOGY ETF	ETF	464287721	1,140,568	7,150	SH		SOLE	0	7,150	0	0
ISHARES S&P 500 VALUE ETF	ETF	464287408	1,494,590	7,830	SH		SOLE	0	7,830	0	0
ISHARES S&P 500 GROWTH ETF	ETF	464287309	3,205,404	31,571	SH		SOLE	0	31,571	0	0
ISHARES CORE S&P 500 ETF	ETF	464287200	8,547,129	14,519	SH		SOLE	0	14,519	0	0
UNION PAC CORP COM	Stock	907818108	2,531,981	11,103	SH		SOLE	0	11,103	0	0
DARDEN RESTAURANTS INC COM	Stock	237194105	1,349,395	7,228	SH		SOLE	0	7,228	0	0
LOCKHEED MARTIN CORP COM	Stock	539830109	4,659,717	9,589	SH		SOLE	0	9,589	0	0
JPMORGAN CHASE & CO. COM	Stock	46625H100	11,766,360	49,086	SH		SOLE	0	49,085	0	0
CHEVRON CORP NEW COM	Stock	166764100	5,447,095	37,608	SH		SOLE	0	37,607	0	0
M & T BK CORP COM	Stock	55261F104	2,547,347	13,549	SH		SOLE	0	13,549	0	0
TJX COS INC NEW COM	Stock	872540109	1,271,746	10,527	SH		SOLE	0	10,526	0	0
WALMART INC COM	Stock	931142103	737,869	8,167	SH		SOLE	0	8,166	0	0
INTERNATIONAL BUSINESS MACHS COM	Stock	459200101	3,586,989	16,317	SH		SOLE	0	16,317	0	0
TEXAS INSTRS INC COM	Stock	882508104	2,862,528	15,266	SH		SOLE	0	15,266	0	0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF	ETF	921946406	558,461	4,377	SH		SOLE	0	4,377	0	0
PFIZER INC COM	Stock	717081103	670,051	25,256	SH		SOLE	0	25,256	0	0
KLA CORP COM NEW	Stock	482480100	767,696	1,218	SH		SOLE	0	1,218	0	0
HP INC COM	Stock	40434L105	1,637,798	50,193	SH		SOLE	0	50,193	0	0
GILEAD SCIENCES INC COM	Stock	375558103	2,262,804	24,497	SH		SOLE	0	24,497	0	0
BEST BUY INC COM	Stock	086516101	2,302,271	26,833	SH		SOLE	0	26,833	0	0
AMGEN INC COM	Stock	031162100	1,788,055	6,860	SH		SOLE	0	6,860	0	0
APPLIED MATLS INC COM	Stock	038222105	1,432,385	8,808	SH		SOLE	0	8,807	0	0
ANALOG DEVICES INC COM	Stock	032654105	960,845	4,522	SH		SOLE	0	4,522	0	0
INVESCO PHARMACEUTICALS ETF	ETF	46137V662	400,625	4,849	SH		SOLE	0	4,849	0	0
VANGUARD DIVIDEND APPRECIATION ETF	ETF	921908844	398,906	2,037	SH		SOLE	0	2,037	0	0
ISHARES CORE DIVIDEND GROWTH ETF	ETF	46434V621	290,445	4,735	SH		SOLE	0	4,735	0	0
ISHARES CORE TOTAL USD BOND MARKET ETF	ETF	46434V613	234,588	5,190	SH		SOLE	0	5,190	0	0
LAM RESEARCH CORP COM NEW	Stock	512807306	1,582,343	21,907	SH		SOLE	0	21,907	0	0
PNC FINL SVCS GROUP INC COM	Stock	693475105	2,918,744	15,135	SH		SOLE	0	15,134	0	0
BRISTOL-MYERS SQUIBB CO COM	Stock	110122108	2,631,195	46,520	SH		SOLE	0	46,520	0	0
ALTRIA GROUP INC COM	Stock	02209S103	6,160,233	117,809	SH		SOLE	0	117,809	0	0
DOMINION ENERGY INC COM	Stock	25746U109	466,751	8,666	SH		SOLE	0	8,666	0	0
EXXON MOBIL CORP COM	Stock	30231G102	8,182,480	76,067	SH		SOLE	0	76,066	0	0
UNITEDHEALTH GROUP INC COM	Stock	91324P102	5,292,651	10,463	SH		SOLE	0	10,462	0	0
ISHARES U.S. PHARMACEUTICALS ETF	ETF	464288836	536,078	8,157	SH		SOLE	0	8,157	0	0
SCHWAB CHARLES CORP COM	Stock	808513105	2,382,456	32,191	SH		SOLE	0	32,191	0	0
ISHARES CORE S&P MID-CAP ETF	ETF	464287507	296,284	4,755	SH		SOLE	0	4,755	0	0
APPLE INC COM	Stock	037833100	2,970,291	11,861	SH		SOLE	0	11,861	0	0
ISHARES RUSSELL 1000 VALUE ETF	ETF	464287598	215,862	1,166	SH		SOLE	0	1,166	0	0