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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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
ALPHABET INC CAP STK CL C 02079K107   212,619 873 SH   SOLE   0 0 873
AMAZON COM INC COM 023135106   226,596 1,032 SH   SOLE   0 0 1,032
APPLE INC COM 037833100   665,348 2,613 SH   SOLE   0 0 2,613
BOK FINL CORP COM NEW 05561Q201   900,212 8,078 SH   SOLE   0 0 8,078
F N B CORP COM 302520101   941,307 58,430 SH   SOLE   0 0 58,430
FIFTH THIRD BANCORP COM 316773100   907,172 20,363 SH   SOLE   0 0 20,363
ISHARES TR 7-10 YR TRSY BD 464287440   80,541,150 834,969 SH   SOLE   0 0 834,969
ISHARES TR CORE S&P TTL STK 464287150   8,509,893 58,427 SH   SOLE   0 0 58,427
MICROSOFT CORP COM 594918104   703,894 1,359 SH   SOLE   0 0 1,359
NVIDIA CORPORATION COM 67066G104   1,097,277 5,881 SH   SOLE   0 0 5,881
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,135,599 177,646 SH   SOLE   0 0 177,646
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   4,059,995 157,915 SH   SOLE   0 0 157,915
SPDR S&P 500 ETF TR TR UNIT 78462F103   268,471 403 SH   SOLE   0 0 403
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   842,707 1,376 SH   SOLE   0 0 1,376
VANGUARD INDEX FDS TOTAL STK MKT 922908769   125,287,203 381,775 SH   SOLE   0 0 381,775
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   14,543,913 203,782 SH   SOLE   0 0 203,782
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,515,300 34,240 SH   SOLE   0 0 34,240
WESBANCO INC COM 950810101   355,636 11,138 SH   SOLE   0 0 11,138