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
3M CO COM 88579Y101   1,226 12 SH   SOLE   0 0 12
A T & T INC COM 00206R102   13,636 714 SH   SOLE   0 0 714
ABBOTT LABORATORIES COM 002824100   92,272 888 SH   SOLE   0 0 888
ABBVIE INC COM 00287Y109   204,623 1,193 SH   SOLE   0 0 1,193
ACCENTURE PLC SHS CLASS A G1151C101   29,431 97 SH   SOLE   0 0 97
ADOBE INC COM 00724F101   2,474,931 4,455 SH   SOLE   0 0 4,455
AIR PROD & CHEMICALS COM 009158106   47,739 185 SH   SOLE   0 0 185
ALCOA CORP COM 013872106   40,536 1,019 SH   SOLE   0 0 1,019
ALLBIRDS INC COM 01675A109   152 304 SH   SOLE   0 0 304
ALPHABET INC. CAP STK CL A 02079K305   7,761,478 42,610 SH   SOLE   0 0 42,610
ALPHABET INC. CAP STK CL C 02079K107   713,687 3,891 SH   SOLE   0 0 3,891
ALTRIA GROUP INC COM 02209S103   54,523 1,197 SH   SOLE   0 0 1,197
AMAZON.COM INC COM 023135106   8,068,381 41,751 SH   SOLE   0 0 41,751
AMERICAN EXPRESS CO COM 025816109   22,229 96 SH   SOLE   0 0 96
AMGEN INC. COM 031162100   188,720 604 SH   SOLE   0 0 604
APPLE INC COM 037833100   17,845,159 84,727 SH   SOLE   0 0 84,727
ARCHER-DANIELS-MIDLN COM 039483102   2,055,300 34,000 SH   SOLE   0 0 34,000
ARISTA NETWORKS INC COM 040413106   112,154 320 SH   SOLE   0 0 320
ASML HOLDING N V FSPONSORED ADR N Y REGISTERY SHS N07059210   4,452,966 4,354 SH   SOLE   0 0 4,354
ATLASSIAN CORP CL A G06242104   7,960 45 SH   SOLE   0 0 45
ATMUS FILTRATION TECHNOL COM 04956D107   23,542 818 SH   SOLE   0 0 818
AUTODESK INC COM 052769106   24,003 97 SH   SOLE   0 0 97
AXOS FINL INC COM 05465C100   28,804 504 SH   SOLE   0 0 504
BAKER HUGHES CO. CL A 05722G100   10,111 287 SH   SOLE   0 0 287
BANK OF AMERICA CORP COM 060505104   191,135 4,806 SH   SOLE   0 0 4,806
BERKSHIRE HATHAWAY CL B NEW 084670702   2,837,430 6,975 SH   SOLE   0 0 6,975
BLACKROCK INC COM 09247X101   4,123,399 5,237 SH   SOLE   0 0 5,237
BLOCK INC CL A 852234103   6,320 98 SH   SOLE   0 0 98
BOEING CO COM 097023105   161,079 885 SH   SOLE   0 0 885
BROADCOM INC COM 11135F101   146,103 91 SH   SOLE   0 0 91
BROOKFIELD ASSET MGMT CL A EXCH LT VTG G16169107   21,498 565 SH   SOLE   0 0 565
BROOKFIELD BUSINESS CO CL A EXC SUB VTG 11259V106   306 15 SH   SOLE   0 0 15
BROOKFIELD BUSINESS P LP UNIT LTD L P G16234109   566 30 SH   SOLE   0 0 30
BROOKFIELD CORP CL A LTD VT SH 11271J107   93,465 2,250 SH   SOLE   0 0 2,250
BROOKFIELD REINSURANCE CL A EXCH LT VTG G16169107   624 15 SH   SOLE   0 0 15
CANOPY GROWTH CORP COM 138035100   32 5 SH   SOLE   0 0 5
CARMAX INC COM 143130102   1,723,417 23,499 SH   SOLE   0 0 23,499
CATERPILLAR INC COM 149123101   11,742 35 SH   SOLE   0 0 35
CELSIUS HOLDINGS INC COM NEW 15118V207   400 7 SH   SOLE   0 0 7
CHARLES SCHWAB CORP COM 808513105   4,565,191 61,951 SH   SOLE   0 0 61,951
CHECK PT SOFTWARE ORD M22465104   49,500 300 SH   SOLE   0 0 300
CHEVRON CORP COM 166764100   109,963 703 SH   SOLE   0 0 703
CHOICE HOTELS INTL COM 169905106   951,767 7,998 SH   SOLE   0 0 7,998
CHUBB LTD COM H1467J104   3,451,743 13,532 SH   SOLE   0 0 13,532
CIRRUS LOGIC INC COM 172755100   38,298 300 SH   SOLE   0 0 300
CISCO SYSTEMS INC COM 17275R102   14,301 301 SH   SOLE   0 0 301
CITIGROUP INC COM NEW 172967424   70,314 1,108 SH   SOLE   0 0 1,108
COMCAST CORP CL A 20030N101   2,224,640 56,809 SH   SOLE   0 0 56,809
CONOCOPHILLIPS COM 20825C104   8,457 74 SH   SOLE   0 0 74
CORNING INC COM 219350105   19,425 500 SH   SOLE   0 0 500
CORTEVA INC COM 22052L104   3,560 66 SH   SOLE   0 0 66
COSTCO WHOLESALE CO COM 22160K105   3,843,821 4,522 SH   SOLE   0 0 4,522
CRH PUBLIC LIMITED CO ADR 12626K203   14,996 200 SH   SOLE   0 0 200
CROWDSTRIKE HLDGS INC CL A 22788C105   19,160 50 SH   SOLE   0 0 50
CSX CORP COM 126408103   4,147 124 SH   SOLE   0 0 124
DANAHER CORP COM 235851102   1,264,241 5,060 SH   SOLE   0 0 5,060
DELL TECHNOLOGIES INC CL C 24703L202   27,582 200 SH   SOLE   0 0 200
DELTA AIR LINES INC DEL COM N EW 247361702   26,234 553 SH   SOLE   0 0 553
DEXCOM INC COM 252131107   11,338 100 SH   SOLE   0 0 100
DOW INC COM 260557103   3,501 66 SH   SOLE   0 0 66
DRAFTKINGS INC NEW COM CL A 26142V105   13,092 343 SH   SOLE   0 0 343
DUKE ENERGY CORP COM NEW 26441C204   61,573 614 SH   SOLE   0 0 614
DUPONT DE NEMOURS INC IA COM 26614N102   5,312 66 SH   SOLE   0 0 66
EDWARDS LIFESCIENCES COM 28176E108   55,422 600 SH   SOLE   0 0 600
ENSTAR GROUP LTD SHS G3075P101   83,456 273 SH   SOLE   0 0 273
ENTERPRISE PRODS PART LP COM 293792107   2,840 98 SH   SOLE   0 0 98
FEDEX CORP COM 31428X106   351,113 1,171 SH   SOLE   0 0 1,171
FISERV INC COM 337738108   2,929,828 19,658 SH   SOLE   0 0 19,658
GARTNER INC COM 366651107   19,310 43 SH   SOLE   0 0 43
GENERAL DYNAMICS CO COM 369550108   2,720,063 9,375 SH   SOLE   0 0 9,375
GE AEROSPACE COM 369604301   2,286,148 14,381 SH   SOLE   0 0 14,381
GE VERNOVA INC COM 36828A101   616,407 3,594 SH   SOLE   0 0 3,594
GENERAL MILLS INC COM 370334104   86,666 1,370 SH   SOLE   0 0 1,370
GENERAL MOTORS CO COM 37045V100   12,312 265 SH   SOLE   0 0 265
GILEAD SCIENCES INC COM 375558103   20,583 300 SH   SOLE   0 0 300
GLOBE LIFE INC COM 37959E102   18,513 225 SH   SOLE   0 0 225
GOLDMAN SACHS GROUP COM 38141G104   62,872 139 SH   SOLE   0 0 139
HARLEY DAVIDSON INC COM 412822108   4,483 134 SH   SOLE   0 0 134
HOME DEPOT INC COM 437076102   815,722 2,370 SH   SOLE   0 0 2,370
HORMEL FOODS CORP COM 440452100   22,197 728 SH   SOLE   0 0 728
IBM CORP COM 459200101   19 0 SH   SOLE   0 0 0
IDEXX LABS INC COM 45168D104   13,154 27 SH   SOLE   0 0 27
INDEPENDENCE REALTY REIT COM 45378A106   676,477 36,098 SH   SOLE   0 0 36,098
INTEL CORP COM 458140100   1,549 50 SH   SOLE   0 0 50
INVESCO NASDAQ NEXT GEN 100 ETF NASDAQNXTGEN100 46138G631   33,546 1,204 SH   SOLE   0 0 1,204
INVSC QQQ TRUST SRS 1 ETF IV UNIT SER 1 46090E103   564,871 1,179 SH   SOLE   0 0 1,179
IQVIA HOLDINGS INC COM 46266C105   3,703,372 17,515 SH   SOLE   0 0 17,515
ISHARES BIOTECHNOLOGY ETF ISHARES BITCOIN 464287556   88,121 642 SH   SOLE   0 0 642
ISHARES CORE S&P 500 ETF CORE S&P 500 ETF 464287200   765,575 1,399 SH   SOLE   0 0 1,399
ISHARES CORE S&P MID CAPETF CORE S&P MCP ETF 464287507   683,352 11,677 SH   SOLE   0 0 11,677
ISHARES CORE S&P SMALL CAP ETF CORE S&P SCP ETF 464287804   189,428 1,776 SH   SOLE   0 0 1,776
ISHARES TOTAL US STOCK MARKET ETF CORE S&P TTL STK ETF 464587150   143,548 1,209 SH   SOLE   0 0 1,209
ISHARES CORE US AGGREGATE BOND ETF CORE US AGGBD ETF 464287226   7,669 79 SH   SOLE   0 0 79
ISHARES ESG AWARE MSCI USA ETF ESG AWR MSCI USA 46435G425   119,703 1,003 SH   SOLE   0 0 1,003
ISHARES MSCI CHINA A ETF MSCI CHINA A ETF 46434V514   6,535 258 SH   SOLE   0 0 258
ISHARES MSCI CHINA ETF MSCI CHINA ETF 46429B671   18,934 449 SH   SOLE   0 0 449
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465   5,013 64 SH   SOLE   0 0 64
ISHARES MSCI INDIA INDEXETF MSCI INDIA ETF 46429B598   1,395 25 SH   SOLE   0 0 25
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309   660,273 7,135 SH   SOLE   0 0 7,135
ISHARES S&P 500 VALUE ETF S&P 500 VAL ETF 464287408   463,215 2,545 SH   SOLE   0 0 2,545
ISHARES S&P SMALL CAP 600 ETF SP SMCP600VL ETF 464287879   125,867 1,294 SH   SOLE   0 0 1,294
ISHARES S&P SMLL CAP 600GRTH ETF S&P SML 600 GWT 464287887   160,794 1,252 SH   SOLE   0 0 1,252
ISHARES SELECT DIVIDEND ETF SELECT DIVIDEND ETF 464287168   120,980 1,000 SH   SOLE   0 0 1,000
JOHNSON & JOHNSON COM 478160104   2,160,077 14,779 SH   SOLE   0 0 14,779
J P MORGAN CHASE & CO COM 46625H100   5,215,476 25,786 SH   SOLE   0 0 25,786
ELI LILLY AND CO COM 532457108   5,826,120 6,435 SH   SOLE   0 0 6,435
KRANESHARES CSI CHINA INTERNET ETF CSI CHI INTERNET 500767306   405 15 SH   SOLE   0 0 15
LOCKHEED MARTIN CORP COM 539830109   2,350,914 5,033 SH   SOLE   0 0 5,033
LOWES COMPANIES INC COM 548661107   249,561 1,132 SH   SOLE   0 0 1,132
LPL FINL HLDGS COM 50212V100   6,424 23 SH   SOLE   0 0 23
LULULEMON ATHLETICA COM 550021109   8,364 28 SH   SOLE   0 0 28
MASTERCARD INC CL A 57636Q104   5,969,771 13,532 SH   SOLE   0 0 13,532
MATCH GROUP INC NEW COM 57667L107   4,314 142 SH   SOLE   0 0 142
MCDONALDS CORP COM 580135101   9,769 38 SH   SOLE   0 0 38
MEDTRONIC PLC SHS G5960L103   8,579 109 SH   SOLE   0 0 109
MERCADOLIBRE INC COM 58733R102   16,434 10 SH   SOLE   0 0 10
MERCK & CO. INC. COM 58933Y105   304,796 2,462 SH   SOLE   0 0 2,462
META PLATFORMS INC CL A 30303M102   5,418,349 10,746 SH   SOLE   0 0 10,746
MFA FINL, INC. REIT NOTE 55272X607   1,256 118 SH   SOLE   0 0 118
MICROSOFT CORP COM 594918104   11,158,857 24,967 SH   SOLE   0 0 24,967
MOHAWK INDUSTRIES COM 608190104   30,556 269 SH   SOLE   0 0 269
MONDELEZ INTL CL A 609207105   1,051,622 1,607 SH   SOLE   0 0 1,607
MR COOPER GROUP INC COM 62482R107   81 1 SH   SOLE   0 0 1
MURPHY USA INC COM 626755102   28,637 61 SH   SOLE   0 0 61
NIKE INC CL B NEW 654106103   57,583 764 SH   SOLE   0 0 764
NORTHROP GRUMMAN CO COM 666807102   6,798 16 SH   SOLE   0 0 16
NOVO-NORDISK AS VORMAL FSPONSORED ADR 1 ADR REPS 1 ORD SHS SPONSORED ADR 670100205   134,176 940 SH   SOLE   0 0 940
NUCOR CORP COM 670928100   8,536 54 SH   SOLE   0 0 54
NUVEEN MUNICIPAL COM 670928100   34,132 3,955 SH   SOLE   0 0 3,955
NVIDIA CORP COM 67066G104   8,970,734 72,614 SH   SOLE   0 0 72,614
O REILLY AUTOMOTIVE COM 67103H107   16,897 16 SH   SOLE   0 0 16
OCCIDENTAL PETROL CO COM 674599105   24,519 389 SH   SOLE   0 0 389
ORACLE CORP COM 68389X105   45,608 323 SH   SOLE   0 0 323
ORION OFFICE REIT INC COM 68629Y103   180 50 SH   SOLE   0 0 50
OTIS WORLDWIDE CORP COM 68902V107   1,768,104 18,368 SH   SOLE   0 0 18,368
PALO ALTO NETWORKS COM 697435105   653,611 1,928 SH   SOLE   0 0 1,928
PAYPAL HOLDINGS INCORPOR COM 70450Y103   6,964 120 SH   SOLE   0 0 120
PELOTON INTERACTIVE INC COM CL A 70614W100   879 260 SH   SOLE   0 0 260
PEPSICO INC COM 713448108   14,514 88 SH   SOLE   0 0 88
PERFORMANCE FOOD GROUP C COM 71377A103   33,055 500 SH   SOLE   0 0 500
PFIZER INC COM 717081103   700 25 SH   SOLE   0 0 25
PHILIP MORRIS INTL COM 718172109   1,923,639 18,984 SH   SOLE   0 0 18,984
PHILLIPS 66 COM 718546104   70,585 500 SH   SOLE   0 0 500
PINTEREST INC CL A 72352L106   26,442 600 SH   SOLE   0 0 600
PNC FINL SERVICES COM 693475105   75,874 488 SH   SOLE   0 0 488
PROCTER & GAMBLE COM 742718109   1,546,125 9,375 SH   SOLE   0 0 9,375
PROSHARES ULTRAPRO QQQ ETF ULTRAPRO QQQ 74347X831   664 9 SH   SOLE   0 0 9
PRUDENTIAL FINL COM 744320102   11,719 100 SH   SOLE   0 0 100
REALTY INCOME CORP REIT COM 756109104   26,410 500 SH   SOLE   0 0 500
REDDIT INC CL A 75734B100   27,473 430 SH   SOLE   0 0 430
REVOLVE GROUP INC CL A 76156B107   4,471 281 SH   SOLE   0 0 281
RIVIAN AUTOMOTIVE INC CL A 771049103   671 50 SH   SOLE   0 0 50
SALESFORCE INC COM 79466L302   3,823,848 14,873 SH   SOLE   0 0 14,873
SEA LTD FUNSPONSORED ADR SPONSORED ADR 81141R100   8,285 116 SH   SOLE   0 0 116
SELECT SECTOR HEALTH CARE SPDR ETF SBI HEALTHCARE 81369Y209   20,697 142 SH   SOLE   0 0 142
SELECT STR FINANCIAL SELECT SPDR ETF FINANCIAL 81369Y605   19,568 476 SH   SOLE   0 0 476
SERVICE NOW INC COM 81762P102   93,614 119 SH   SOLE   0 0 119
SHOPIFY INC CL A 82509L107   14,531 220 SH   SOLE   0 0 220
SOFI TECHNOLOGIES INC NOTE 83406F102   2,247 340 SH   SOLE   0 0 340
SOLAREDGE TECH COM 83417M104   960 38 SH   SOLE   0 0 38
SPDR FUND CONSUMER DISCRE SELECT ETF SBI CONS DISCR 81369Y407   17,146 94 SH   SOLE   0 0 94
SPDR PORTFOLIO HIGH YIELD BND ETF PORTFLI HIGH YLD ETF 78468R606   1,045 45 SH   SOLE   0 0 45
SPDR S&P 500 ETF SPDR S&P 500 ETF 78468R796   1,670,755 3,070 SH   SOLE   0 0 3,070
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763   169,235 13,301 SH   SOLE   0 0 13,301
SPDR S&P MIDCAP 400 ETF UTSER1 S&PDCRP 78467Y107   453,213 847 SH   SOLE   0 0 847
STARBUCKS CORP COM 855244109   2,171,836 27,898 SH   SOLE   0 0 27,898
STATE STREET CORP COM 857477103   10,508 142 SH   SOLE   0 0 142
SYNOVUS FINL CO COM 871607107   229,766 5,717 SH   SOLE   0 0 5,717
TAIWAN SEMICONDUCTR FSPONSORED ADR SPONSORED ADR 874039100   1,390 8 SH   SOLE   0 0 8
TAKE TWO INTERACTV COM 874054109   9,485 61 SH   SOLE   0 0 61
TECHNOLOGY SELECT SECTORSPDR ETF TECHNOLOGY 81369Y803   47,961 212 SH   SOLE   0 0 212
THE COCA-COLA CO COM 191216100   209,918 3,298 SH   SOLE   0 0 3,298
THERMO FISHER SCNTFC COM 883556102   1,983,611 3,587 SH   SOLE   0 0 3,587
TORONTO DOMINION BK ON F COM NEW 891160509   36,658 667 SH   SOLE   0 0 667
TRUIST FINL CORP COM 89832Q109   49,853 1,283 SH   SOLE   0 0 1,283
TRUMP MEDIA & TECHNOLOGY COM 25400Q105   12,511 382 SH   SOLE   0 0 382
UBER TECHNOLOGIES INC COM 90353T100   4,166,744 57,330 SH   SOLE   0 0 57,330
UNITED PARCEL SRVC CL B NEW 911312106   13,685 100 SH   SOLE   0 0 100
UNITEDHEALTH GRP INC COM 91324P102   3,165,560 6,216 SH   SOLE   0 0 6,216
VANGUARD ENERGY ETF ENERGY ETF 92204A306   505,815 3,965 SH   SOLE   0 0 3,965
VANGUARD FTSE ALL WORLD EX US ETF ALLWRLD EX US ETF 922042775   536,380 9,147 SH   SOLE   0 0 9,147
VANGUARD FTSE DEVELOPED MARKETS ETF VAN FTSE DEV MKT 921943858   9,570 194 SH   SOLE   0 0 194
VANGUARD HIGH DIVIDEND YIELD ETF HIGH DIV YLD 921946406   3,084 26 SH   SOLE   0 0 26
VANGUARD MID CAP ETF MID CAP ETF 922908629   3,389 14 SH   SOLE   0 0 14
VANGUARD S&P 500 ETF S&P 500 ETF SHS 922908363   46,073,751 92,122 SH   SOLE   0 0 92,122
VANGUARD SHORT-TERM BONDETF SHORT TRM BOND 921937827   76,010 991 SH   SOLE   0 0 991
VANGUARD SMALL CAP ETF SMALL CP ETF 922908751   2,861,711 13,125 SH   SOLE   0 0 13,125
VANGUARD TOTAL BOND MARKET ETF TOTAL BND MKT 921937835   819,785 11,378 SH   SOLE   0 0 11,378
VANGUARD TOTAL INTERNATLBND ETF IV TOTAL INT BD ETF 92203J407   60,984 1,253 SH   SOLE   0 0 1,253
VANGUARD TOTAL INTERNTL STOCK ETF IV VG TL INTL STK F 921909768   1,095,616 18,169 SH   SOLE   0 0 18,169
VANGUARD TOTAL STOCK MARKET ETF TOTAL STK MKT 922908769   3,745 14 SH   SOLE   0 0 14
VEEVA SYSTEMS INC CL A COM 922475108   2,312,697 12,637 SH   SOLE   0 0 12,637
VERIZON COMMUNICATN COM 92343V104   4,124 100 SH   SOLE   0 0 100
VIATRIS INC COM 92556V106   213 20 SH   SOLE   0 0 20
VISA INC COM CL A 92826C839   5,142,624 19,593 SH   SOLE   0 0 19,593
WABTEC COM 929740108   948 6 SH   SOLE   0 0 6
WALGREENS BOOTS ALLI COM 931427108   12 1 SH   SOLE   0 0 1
WALMART INC COM 931142103   32,067 474 SH   SOLE   0 0 474
WALT DISNEY CO COM 254687106   2,931,045 29,520 SH   SOLE   0 0 29,520
WARNER BROTHERS DISCOVER COM SER A 934423104   1,146 154 SH   SOLE   0 0 154
WELLS FARGO & CO COM NEW 949746101   72,753 1,225 SH   SOLE   0 0 1,225
WISDOMTREE INDIA EARNINGS ETF INDIA ERNGS FD 97717W422   9,656 200 SH   SOLE   0 0 200
WISDOMTREE JAPAN HEDGED EQUITY ETF JAPN HEDGE EQT 97717W851   564 5 SH   SOLE   0 0 5
WOLFSPEED INC COM 977852102   1,502 66 SH   SOLE   0 0 66
WORKDAY INC CL A 98138H101   46,724 209 SH   SOLE   0 0 209
XERIS PHARMACEUTICALS IN COM 98421M106   907 403 SH   SOLE   0 0 403
ZETA GLOBAL HOLDINGS COR CL A 98956A105   211,447 11,980 SH   SOLE   0 0 11,980
ZOETIS INC CLASS A CL A 98978V103   18,723 108 SH   SOLE   0 0 108
ZOOM VIDEO COMMUNICATION CL A 98980L101   5,919 100 SH   SOLE   0 0 100