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
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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   295,035 1,494 SH   SOLE   0 0 1,494
ALPHABET INC CAP STK CL A 02079K305   1,364,946 8,230 SH   SOLE   0 0 8,230
ALPHABET INC CAP STK CL C 02079K107   826,086 4,941 SH   SOLE   0 0 4,941
ALTRIA GROUP INC COM 02209S103   216,461 4,241 SH   SOLE   0 0 4,241
AMAZON COM INC COM 023135106   1,123,011 6,027 SH   SOLE   0 0 6,027
AMGEN INC COM 031162100   893,166 2,772 SH   SOLE   0 0 2,772
ANSYS INC COM 03662Q105   1,500,747 4,710 SH   SOLE   0 0 4,710
APPLE INC COM 037833100   6,877,733 29,518 SH   SOLE   0 0 29,518
AT&T INC COM 00206R102   211,465 9,612 SH   SOLE   0 0 9,612
BANK NEW YORK MELLON CORP COM 064058100   260,564 3,626 SH   SOLE   0 0 3,626
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   635,159 1,380 SH   SOLE   0 0 1,380
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105   393,831 8,328 SH   SOLE   0 0 8,328
BROOKFIELD CORP CL A LTD VT SH 11271J107   1,706,487 32,107 SH   SOLE   0 0 32,107
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   544,171 15,530 SH   SOLE   0 0 15,530
CBIZ INC COM 124805102   1,590,937 23,643 SH   SOLE   0 0 23,643
CHENIERE ENERGY INC COM NEW 16411R208   286,125 1,591 SH   SOLE   0 0 1,591
CISCO SYS INC COM 17275R102   302,290 5,680 SH   SOLE   0 0 5,680
COMCAST CORP NEW CL A 20030N101   219,543 5,256 SH   SOLE   0 0 5,256
CORNING INC COM 219350105   231,981 5,138 SH   SOLE   0 0 5,138
COSTCO WHSL CORP NEW COM 22160K105   687,053 775 SH   SOLE   0 0 775
CSX CORP COM 126408103   211,842 6,135 SH   SOLE   0 0 6,135
D-WAVE QUANTUM INC COM 26740W109   12,286 12,500 SH   SOLE   0 0 12,500
EATON CORP PLC SHS G29183103   1,845,789 5,569 SH   SOLE   0 0 5,569
ELI LILLY & CO COM 532457108   211,740 239 SH   SOLE   0 0 239
EXXON MOBIL CORP COM 30231G102   1,910,803 16,301 SH   SOLE   0 0 16,301
F N B CORP COM 302520101   250,763 17,772 SH   SOLE   0 0 17,772
FARMERS NATIONAL BANC CORP COM 309627107   2,580,288 170,654 SH   SOLE   0 0 170,654
FEDERATED HERMES ETF TRUST US STRATEGIC DIV 31423L305   425,398 15,242 SH   SOLE   0 0 15,242
FEDERATED HERMES ETF TRUST HERMES TOTAL RET 31423L404   5,493,465 212,925 SH   SOLE   0 0 212,925
FEDERATED HERMES INC CL B 314211103   3,342,908 90,914 SH   SOLE   0 0 90,914
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   6,828,247 146,090 SH   SOLE   0 0 146,090
FIRST TR EXCHANGE-TRADED FD DORSEY WRT 5 ETF 33738R605   228,380 3,919 SH   SOLE   0 0 3,919
GOLD RESOURCE CORP COM 38068T105   8,323 23,820 SH   SOLE   0 0 23,820
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   489,093 9,685 SH   SOLE   0 0 9,685
HOME DEPOT INC COM 437076102   352,119 869 SH   SOLE   0 0 869
INTERNATIONAL BUSINESS MACHS COM 459200101   356,823 1,614 SH   SOLE   0 0 1,614
INVESCO ACTIVELY MANAGED EXC TOTAL RETURN 46090A804   1,781,333 36,881 SH   SOLE   0 0 36,881
INVESCO QQQ TR UNIT SER 1 46090E103   550,543 1,128 SH   SOLE   0 0 1,128
ISHARES INC ESG AWR MSCI EM 46434G863   606,154 16,648 SH   SOLE   0 0 16,648
ISHARES INC CORE MSCI EMKT 46434G103   15,936,012 277,583 SH   SOLE   1,965 0 275,618
ISHARES TR MSCI KLD400 SOC 464288570   1,792,750 16,479 SH   SOLE   6,100 0 10,379
ISHARES TR CORE US AGGBD ET 464287226   330,608 3,265 SH   SOLE   0 0 3,265
ISHARES TR S&P 500 GRWT ETF 464287309   1,779,993 18,590 SH   SOLE   0 0 18,590
ISHARES TR CORE S&P500 ETF 464287200   3,300,655 5,722 SH   SOLE   0 0 5,722
ISHARES TR S&P 100 ETF 464287101   319,935 1,156 SH   SOLE   0 0 1,156
ISHARES TR MSCI EAFE ETF 464287465   7,305,341 87,353 SH   SOLE   0 0 87,353
ISHARES TR RUS 1000 GRW ETF 464287614   15,825,493 42,159 SH   SOLE   0 0 42,159
ISHARES TR GL CLEAN ENE ETF 464288224   148,868 10,134 SH   SOLE   0 0 10,134
ISHARES TR ESG AWRE 1 5 YR 46435G243   906,464 36,028 SH   OTR   36,028 0 0
ISHARES TR S&P 500 VAL ETF 464287408   1,184,992 6,010 SH   SOLE   0 0 6,010
ISHARES TR RUS 2000 GRW ETF 464287648   578,508 2,037 SH   SOLE   0 0 2,037
ISHARES TR MSCI KLD400 SOC 464288570   663,619 6,100 SH   OTR   6,100 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   690,060 3,124 SH   SOLE   0 0 3,124
ISHARES TR S&P SML 600 GWT 464287887   17,865,562 128,078 SH   SOLE   448 0 127,630
ISHARES TR ESG AWRE 1 5 YR 46435G243   519,957 20,666 SH   SOLE   0 0 20,666
ISHARES TR RUS MID CAP ETF 464287499   6,730,763 76,364 SH   SOLE   0 0 76,364
ISHARES TR S&P MC 400VL ETF 464287705   473,217 3,828 SH   SOLE   0 0 3,828
ISHARES TR ESG AWRE USD ETF 46435G193   254,624 10,703 SH   SOLE   0 0 10,703
ISHARES TR SP SMCP600VL ETF 464287879   506,142 4,701 SH   SOLE   0 0 4,701
ISHARES TR NATIONAL MUN ETF 464288414   27,383,941 252,085 SH   SOLE   0 0 252,085
ISHARES TR CORE MSCI EAFE 46432F842   478,212 6,127 SH   SOLE   0 0 6,127
ISHARES TR EAFE GRWTH ETF 464288885   751,828 6,984 SH   SOLE   0 0 6,984
ISHARES TR CORE S&P MCP ETF 464287507   838,369 13,453 SH   SOLE   0 0 13,453
ISHARES TR ESG AW MSCI EAFE 46435G516   879,745 10,452 SH   SOLE   0 0 10,452
ISHARES TR MSCI EMG MKT ETF 464287234   382,931 8,350 SH   SOLE   0 0 8,350
ISHARES TR S&P MC 400GR ETF 464287606   499,364 5,432 SH   SOLE   0 0 5,432
ISHARES TR CORE S&P SCP ETF 464287804   8,172,456 69,874 SH   SOLE   0 0 69,874
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   6,815,447 146,916 SH   SOLE   0 0 146,916
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   819,310 10,657 SH   SOLE   0 0 10,657
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886   14,802,314 301,842 SH   SOLE   927 0 300,915
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   3,732,452 53,751 SH   SOLE   0 0 53,751
JOHNSON & JOHNSON COM 478160104   519,564 3,206 SH   SOLE   0 0 3,206
JPMORGAN CHASE & CO. COM 46625H100   1,447,811 6,866 SH   SOLE   0 0 6,866
KKR & CO INC COM 48251W104   587,610 4,500 SH   SOLE   0 0 4,500
LIBERTY BROADBAND CORP COM SER C 530307305   209,147 2,706 SH   SOLE   0 0 2,706
LULULEMON ATHLETICA INC COM 550021109   275,420 1,015 SH   SOLE   0 0 1,015
MANULIFE FINL CORP COM 56501R106   469,668 15,894 SH   SOLE   0 0 15,894
MCDONALDS CORP COM 580135101   577,960 1,898 SH   SOLE   0 0 1,898
MERCK & CO INC COM 58933Y105   404,274 3,560 SH   SOLE   0 0 3,560
META PLATFORMS INC CL A 30303M102   735,013 1,284 SH   SOLE   0 0 1,284
MICROSOFT CORP COM 594918104   10,048,721 23,353 SH   SOLE   0 0 23,353
NETFLIX INC COM 64110L106   480,176 677 SH   SOLE   0 0 677
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   35,433,921 1,440,403 SH   SOLE   0 0 1,440,403
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   2,158,370 87,810 SH   SOLE   0 0 87,810
NEXTERA ENERGY INC COM 65339F101   312,507 3,697 SH   SOLE   0 0 3,697
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   205,803 4,804 SH   SOLE   0 0 4,804
NVIDIA CORPORATION COM 67066G104   936,181 7,709 SH   SOLE   0 0 7,709
NVR INC COM 62944T105   323,789 33 SH   SOLE   0 0 33
ORACLE CORP COM 68389X105   628,094 3,686 SH   SOLE   0 0 3,686
PACCAR INC COM 693718108   976,037 9,891 SH   SOLE   0 0 9,891
PARK-OHIO HLDGS CORP COM 700666100   531,294 17,306 SH   SOLE   0 0 17,306
PELOTON INTERACTIVE INC CL A COM 70614W100   48,251 10,310 SH   SOLE   0 0 10,310
PEPSICO INC COM 713448108   344,521 2,026 SH   SOLE   0 0 2,026
PNC FINL SVCS GROUP INC COM 693475105   799,489 4,325 SH   SOLE   0 0 4,325
PORCH GROUP INC COM 733245104   434,829 283,276 SH   SOLE   0 0 283,276
PPG INDS INC COM 693506107   204,121 1,541 SH   SOLE   0 0 1,541
PROCTER AND GAMBLE CO COM 742718109   296,518 1,712 SH   SOLE   0 0 1,712
RAYMOND JAMES FINL INC COM 754730109   2,638,523 21,546 SH   SOLE   0 0 21,546
REMITLY GLOBAL INC COM 75960P104   989,896 73,928 SH   SOLE   0 0 73,928
ROCKET LAB USA INC COM 773122106   107,030 11,000 SH   SOLE   0 0 11,000
RTX CORPORATION COM 75513E101   319,620 2,638 SH   SOLE   0 0 2,638
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,412,749 54,905 SH   SOLE   0 0 54,905
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,292,238 25,092 SH   SOLE   0 0 25,092
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,841,866 97,391 SH   SOLE   0 0 97,391
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   39,268,258 376,927 SH   SOLE   2,122 0 374,805
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,583,714 62,834 SH   SOLE   0 0 62,834
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   631,705 13,293 SH   SOLE   0 0 13,293
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,046,951 84,811 SH   SOLE   0 0 84,811
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   32,283,947 475,814 SH   SOLE   0 0 475,814
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   331,360 4,102 SH   SOLE   0 0 4,102
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   399,369 1,769 SH   SOLE   0 0 1,769
SELECT SECTOR SPDR TR ENERGY 81369Y506   414,606 4,722 SH   SOLE   0 0 4,722
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   618,601 1,462 SH   SOLE   0 0 1,462
SPDR GOLD TR GOLD SHS 78463V107   1,761,699 7,248 SH   SOLE   0 0 7,248
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   50,999,455 1,357,813 SH   SOLE   3,766 0 1,354,047
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,512,495 4,379 SH   SOLE   0 0 4,379
SPDR SER TR S&P 400 MDCP GRW 78464A821   716,222 8,163 SH   SOLE   0 0 8,163
SPDR SER TR BBG CONV SEC ETF 78464A359   245,624 3,207 SH   SOLE   0 0 3,207
SPDR SER TR PORTFOLIO S&P500 78464A854   2,225,625 32,967 SH   SOLE   0 0 32,967
SPDR SER TR S&P 400 MDCP VAL 78464A839   289,552 3,644 SH   SOLE   0 0 3,644
THE BALDWIN INSURANCE GRP IN COM CL A 05589G102   408,360 8,200 SH   SOLE   0 0 8,200
TJX COS INC NEW COM 872540109   205,930 1,752 SH   SOLE   0 0 1,752
TRIMAS CORP COM NEW 896215209   471,641 18,474 SH   SOLE   0 0 18,474
UBER TECHNOLOGIES INC COM 90353T100   487,037 6,480 SH   SOLE   0 0 6,480
VANECK ETF TRUST GOLD MINERS ETF 92189F106   567,395 14,249 SH   SOLE   0 0 14,249
VANGUARD INDEX FDS LARGE CAP ETF 922908637   216,161 821 SH   SOLE   0 0 821
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   623,391 6,399 SH   OTR   6,399 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   643,030 6,601 SH   SOLE   2,259 0 4,342
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   269,034 1,105 SH   SOLE   0 0 1,105
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   9,597,166 18,188 SH   SOLE   0 0 18,188
VANGUARD INDEX FDS MID CAP ETF 922908629   52,383,963 198,552 SH   SOLE   591 0 197,961
VANGUARD INDEX FDS SMALL CP ETF 922908751   589,467 2,485 SH   SOLE   0 0 2,485
VANGUARD INDEX FDS SML CP GRW ETF 922908595   557,466 2,085 SH   SOLE   0 0 2,085
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   220,486 1,315 SH   SOLE   0 0 1,315
VANGUARD INDEX FDS SM CP VAL ETF 922908611   244,909 1,220 SH   SOLE   0 0 1,220
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,768,901 6,247 SH   SOLE   0 0 6,247
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   276,627 2,311 SH   SOLE   0 0 2,311
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,030,895 39,728 SH   SOLE   0 0 39,728
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   1,003,808 10,400 SH   SOLE   0 0 10,400
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   279,655 3,356 SH   SOLE   0 0 3,356
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   502,280 2,536 SH   SOLE   0 0 2,536
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,499,933 160,953 SH   SOLE   0 0 160,953
VISA INC COM CL A 92826C839   852,620 3,101 SH   SOLE   0 0 3,101
WALMART INC COM 931142103   656,740 8,133 SH   SOLE   0 0 8,133
WARRIOR MET COAL INC COM 93627C101   255,600 4,000 SH   SOLE   0 0 4,000
WELLTOWER INC COM 95040Q104   295,749 2,310 SH   SOLE   0 0 2,310