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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
3M CO COM 88579Y101 BBG001S5T7X2 240,832 2,203 SH   SOLE   2,203 0 0
ABBOTT LABS COM 002824100 BBG001S5N9M6 381,943 3,470 SH   SOLE   3,470 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 952,383 6,146 SH   SOLE   6,146 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 445,473 3,022 SH   SOLE   3,022 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,528,783 10,944 SH   SOLE   10,944 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 279,041 1,980 SH   SOLE   1,980 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 BBG001TBMNT5 580,526 13,653 SH   SOLE   13,653 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 216,343 5,363 SH   SOLE   5,363 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 898,714 5,915 SH   SOLE   5,915 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 862,620 2,995 SH   SOLE   2,995 0 0
APPLE INC COM 037833100 BBG001S5N8V8 5,107,058 26,526 SH   SOLE   26,526 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 264,699 15,775 SH   SOLE   15,775 0 0
BANC OF CALIFORNIA INC COM 05990K106 BBG001SKZX56 348,012 25,913 SH   SOLE   25,913 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 304,077 9,031 SH   SOLE   9,031 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 732,580 2,054 SH   SOLE   2,054 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 410,018 7,991 SH   SOLE   7,991 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 525,513 1,777 SH   SOLE   1,777 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 963,403 6,459 SH   SOLE   6,459 0 0
CINCINNATI FINL CORP COM 172062101 BBG001S5PTM0 312,449 3,020 SH   SOLE   3,020 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 857,628 16,976 SH   SOLE   16,976 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 738,157 12,526 SH   SOLE   12,526 0 0
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 245,619 2,700 SH   SOLE   2,700 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 229,048 347 SH   SOLE   347 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 1,235,348 51,238 SH   SOLE   51,238 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 252,617 2,798 SH   SOLE   2,798 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 405,239 4,176 SH   SOLE   4,176 0 0
DUPONT DE NEMOURS INC COM 26614N102 BBG00BN961H3 312,336 4,060 SH   SOLE   4,060 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 663,946 1,139 SH   SOLE   1,139 0 0
EOG RES INC COM 26875P101 BBG001S5ZB93 231,861 1,917 SH   SOLE   1,917 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,522,215 15,225 SH   SOLE   15,225 0 0
F N B CORP COM 302520101 BBG001S5R1Q5 649,972 47,202 SH   SOLE   47,202 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 BBG01BFR8YW0 280,208 3,624 SH   SOLE   3,624 0 0
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 733,048 2,823 SH   SOLE   2,823 0 0
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 1,383,764 10,842 SH   SOLE   10,842 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 786,322 2,269 SH   SOLE   2,269 0 0
INTEL CORP COM 458140100 BBG001S5SF65 292,195 5,815 SH   SOLE   5,815 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 850,133 5,198 SH   SOLE   5,198 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 263,472 7,485 SH   SOLE   7,485 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 5,515,485 141,314 SH   SOLE   141,314 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 554,863 10,970 SH   SOLE   10,970 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 200,068 3,599 SH   SOLE   3,599 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 3,949,077 48,136 SH   SOLE   48,136 0 0
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 1,840,948 18,618 SH   SOLE   18,618 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 808,900 6,906 SH   SOLE   6,906 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 518,761 7,374 SH   SOLE   7,374 0 0
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 4,290,111 67,391 SH   SOLE   67,391 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,107,491 3,996 SH   SOLE   3,996 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 8,290,966 78,789 SH   SOLE   78,789 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,444,988 5,119 SH   SOLE   5,119 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 5,059,960 109,832 SH   SOLE   109,832 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 225,234 5,759 SH   SOLE   5,759 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,215,169 16,127 SH   SOLE   16,127 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 7,105,939 189,189 SH   SOLE   189,189 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 217,620 1,479 SH   SOLE   1,479 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 375,532 3,464 SH   SOLE   3,464 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,744,261 22,440 SH   SOLE   22,440 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,010,776 5,036 SH   SOLE   5,036 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 2,544,163 33,877 SH   SOLE   33,877 0 0
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 1,786,372 10,273 SH   SOLE   10,273 0 0
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 573,998 5,212 SH   SOLE   5,212 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 5,223,606 95,009 SH   SOLE   95,009 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 1,305,871 26,154 SH   SOLE   26,154 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 2,024,677 40,308 SH   SOLE   40,308 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 5,910,471 123,495 SH   SOLE   123,495 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 902,547 5,758 SH   SOLE   5,758 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,011,710 11,827 SH   SOLE   11,827 0 0
MARATHON PETE CORP COM 56585A102 BBG001S169P1 945,647 6,374 SH   SOLE   6,374 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 1,123,664 3,790 SH   SOLE   3,790 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 280,669 3,407 SH   SOLE   3,407 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 528,722 4,850 SH   SOLE   4,850 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 870,742 2,460 SH   SOLE   2,460 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,611,233 9,603 SH   SOLE   9,603 0 0
NATIONAL FUEL GAS CO COM 636180101 BBG001S5TLR8 432,867 8,628 SH   SOLE   8,628 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 286,285 588 SH   SOLE   588 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 277,649 2,557 SH   SOLE   2,557 0 0
NUVEEN AMT FREE MUN CR INC F COM 67071L106 BBG001SHZCF8 321,031 27,160 SH   SOLE   27,160 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 202,400 18,400 SH   SOLE   18,400 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 551,675 1,114 SH   SOLE   1,114 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 269,795 2,559 SH   SOLE   2,559 0 0
PACER FDS TR PACER US SMALL 69374H857 BBG00GXXR1G6 3,365,798 70,077 SH   SOLE   70,077 0 0
PEPSICO INC COM 713448108 BBG001S695T1 1,039,793 6,122 SH   SOLE   6,122 0 0
PFIZER INC COM 717081103 BBG001S5V466 457,954 15,907 SH   SOLE   15,907 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 507,844 5,398 SH   SOLE   5,398 0 0
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 235,837 1,523 SH   SOLE   1,523 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,305,788 8,911 SH   SOLE   8,911 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 BBG005D266P2 850,993 8,939 SH   SOLE   8,939 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 331,983 2,295 SH   SOLE   2,295 0 0
REALTY INCOME CORP COM 756109104 BBG001S884K0 233,125 4,060 SH   SOLE   4,060 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 356,417 4,236 SH   SOLE   4,236 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 2,725,527 48,959 SH   SOLE   48,959 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 6,715,159 88,206 SH   SOLE   88,206 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 7,263,410 87,553 SH   SOLE   87,553 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 7,232,584 128,237 SH   SOLE   128,237 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 3,586,720 47,620 SH   SOLE   47,620 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 385,286 3,380 SH   SOLE   3,380 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 489,444 6,795 SH   SOLE   6,795 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 2,147,985 15,750 SH   SOLE   15,750 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 208,327 2,971 SH   SOLE   2,971 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 1,081,640 5,658 SH   SOLE   5,658 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 2,835,279 80,070 SH   SOLE   80,070 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,280,982 2,695 SH   SOLE   2,695 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 1,178,383 12,894 SH   SOLE   12,894 0 0
T-MOBILE US INC COM 872590104 BBG001SKR9Y6 328,035 2,046 SH   SOLE   2,046 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 211,233 860 SH   SOLE   860 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 337,467 641 SH   SOLE   641 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 8,111,632 106,201 SH   SOLE   106,201 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 629,022 8,167 SH   SOLE   8,167 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 1,307,645 17,779 SH   SOLE   17,779 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 553,447 2,537 SH   SOLE   2,537 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 271,368 1,272 SH   SOLE   1,272 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 966,135 17,209 SH   SOLE   17,209 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 544,657 13,252 SH   SOLE   13,252 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 701,405 12,025 SH   SOLE   12,025 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 708,589 14,793 SH   SOLE   14,793 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 985,023 8,824 SH   SOLE   8,824 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 678,597 10,206 SH   SOLE   10,206 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 557,571 14,790 SH   SOLE   14,790 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 247,333 950 SH   SOLE   950 0 0
WALMART INC COM 931142103 BBG001S5XH92 306,734 1,946 SH   SOLE   1,946 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 593,033 14,578 SH   SOLE   14,578 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 3,061,350 60,935 SH   SOLE   60,935 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 6,732,543 95,796 SH   SOLE   95,796 0 0