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
ABBOTT LABS COM 002824100   424,584 4,193 SH   SOLE   0 0 4,193
ABBVIE INC COM 00287Y109   972,317 6,101 SH   SOLE   0 0 6,101
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   253,228 886 SH   SOLE   0 0 886
ADOBE SYSTEMS INCORPORATED COM 00724F101   365,717 949 SH   SOLE   0 0 949
ALCON AG ORD SHS H01301128   209,857 2,975 SH   SOLE   0 0 2,975
ALPHA TAU MEDICAL LTD ORDINARY SHARES M0740A108   28,700 10,000 SH   SOLE   0 0 10,000
ALPHABET INC CAP STK CL A 02079K305   503,817 4,857 SH   SOLE   0 0 4,857
ALPHABET INC CAP STK CL C 02079K107   604,968 5,817 SH   SOLE   0 0 5,817
ALPS ETF TR ALERIAN MLP 00162Q452   277,739 7,186 SH   SOLE   0 0 7,186
ALTRIA GROUP INC COM 02209S103   314,117 7,040 SH   SOLE   0 0 7,040
AMAZON COM INC COM 023135106   1,185,563 11,478 SH   SOLE   0 0 11,478
APPLE INC COM 037833100   2,709,819 16,433 SH   SOLE   0 0 16,433
ASML HOLDING N V N Y REGISTRY SHS N07059210   287,260 422 SH   SOLE   0 0 422
AT&T INC COM 00206R102   217,217 11,284 SH   SOLE   0 0 11,284
AUTODESK INC COM 052769106   243,131 1,168 SH   SOLE   0 0 1,168
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   520,587 1,686 SH   SOLE   0 0 1,686
BLACKROCK INC COM 09247X101   239,545 358 SH   SOLE   0 0 358
BOOKING HOLDINGS INC COM 09857L108   230,760 87 SH   SOLE   0 0 87
BRISTOL-MYERS SQUIBB CO COM 110122108   202,802 2,926 SH   SOLE   0 0 2,926
BROADCOM INC COM 11135F101   239,626 374 SH   SOLE   0 0 374
CANADIAN PAC RY LTD COM 13645T100   244,824 3,182 SH   SOLE   0 0 3,182
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   210,566 9,080 SH   SOLE   0 0 9,080
CDW CORP COM 12514G108   289,607 1,486 SH   SOLE   0 0 1,486
CHEVRON CORP NEW COM 166764100   478,712 2,934 SH   SOLE   0 0 2,934
CISCO SYS INC COM 17275R102   396,297 7,581 SH   SOLE   0 0 7,581
COCA COLA CO COM 191216100   712,663 11,489 SH   SOLE   0 0 11,489
COMCAST CORP NEW CL A 20030N101   371,936 9,811 SH   SOLE   0 0 9,811
CVS HEALTH CORP COM 126650100   418,594 5,633 SH   SOLE   0 0 5,633
DIAGEO PLC SPON ADR NEW 25243Q205   236,803 1,307 SH   SOLE   0 0 1,307
DOW INC COM 260557103   307,815 5,615 SH   SOLE   0 0 5,615
EXXON MOBIL CORP COM 30231G102   831,552 7,583 SH   SOLE   0 0 7,583
FIRST TR ENHANCED EQUITY INC COM 337318109   635,541 38,471 SH   SOLE   0 0 38,471
FISERV INC COM 337738108   485,464 4,295 SH   SOLE   0 0 4,295
GALLAGHER ARTHUR J & CO COM 363576109   203,172 1,062 SH   SOLE   0 0 1,062
GARTNER INC COM 366651107   275,276 845 SH   SOLE   0 0 845
GLOBAL PMTS INC COM 37940X102   220,268 2,093 SH   SOLE   0 0 2,093
HOME DEPOT INC COM 437076102   373,548 1,266 SH   SOLE   0 0 1,266
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   391,540 18,824 SH   SOLE   0 0 18,824
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   752,603 5,204 SH   SOLE   0 0 5,204
INVESCO QQQ TR UNIT SER 1 46090E103   281,777 878 SH   SOLE   0 0 878
ISHARES TR CORE 1 5 YR USD 46432F859   19,659,110 416,904 SH   SOLE   0 0 416,904
ISHARES TR CORE DIV GRWTH 46434V621   636,023 12,723 SH   SOLE   0 0 12,723
ISHARES TR ESG AW MSCI EAFE 46435G516   384,112 5,347 SH   SOLE   0 0 5,347
ISHARES TR ESG AWARE MSCI 46435U663   335,796 9,879 SH   SOLE   0 0 9,879
ISHARES TR ESG AWRE 1 5 YR 46435G243   2,339,898 97,253 SH   SOLE   0 0 97,253
ISHARES TR INTRM GOV CR ETF 464288612   1,041,766 9,970 SH   SOLE   0 0 9,970
ISHARES TR MSCI USA ESG SLC 464288802   298,467 3,401 SH   SOLE   0 0 3,401
ISHARES TR RUS 2000 GRW ETF 464287648   203,458 897 SH   SOLE   0 0 897
ISHARES TR RUS 2000 VAL ETF 464287630   288,428 2,105 SH   SOLE   0 0 2,105
ISHARES TR SHRT NAT MUN ETF 464288158   288,499 2,756 SH   SOLE   0 0 2,756
JOHNSON & JOHNSON COM 478160104   551,180 3,556 SH   SOLE   0 0 3,556
JPMORGAN CHASE & CO COM 46625H100   439,483 3,373 SH   SOLE   0 0 3,373
LEGG MASON ETF INVT CLEARBRIDEG LR 524682200   21,654,712 454,183 SH   SOLE   0 0 454,183
LILLY ELI & CO COM 532457108   236,960 690 SH   SOLE   0 0 690
LOCKHEED MARTIN CORP COM 539830109   314,366 665 SH   SOLE   0 0 665
MARKEL CORP COM 570535104   410,049 321 SH   SOLE   0 0 321
MASTERCARD INCORPORATED CL A 57636Q104   367,408 1,011 SH   SOLE   0 0 1,011
MCKESSON CORP COM 58155Q103   269,530 757 SH   SOLE   0 0 757
MERCK & CO INC COM 58933Y105   562,804 5,290 SH   SOLE   0 0 5,290
META PLATFORMS INC CL A 30303M102   478,985 2,260 SH   SOLE   0 0 2,260
MGM RESORTS INTERNATIONAL COM 552953101   229,474 5,166 SH   SOLE   0 0 5,166
MICROSOFT CORP COM 594918104   2,534,190 8,790 SH   SOLE   0 0 8,790
NETFLIX INC COM 64110L106   320,260 927 SH   SOLE   0 0 927
NIKE INC CL B 654106103   299,204 2,440 SH   SOLE   0 0 2,440
NOVARTIS AG SPONSORED ADR 66987V109   257,419 2,798 SH   SOLE   0 0 2,798
NOVO-NORDISK A S ADR 670100205   214,429 1,347 SH   SOLE   0 0 1,347
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   921,287 27,041 SH   SOLE   0 0 27,041
NUVEEN N Y MUN VALUE FD COM 67062M105   88,341 10,125 SH   SOLE   0 0 10,125
NUVEEN NEW YORK QLT MUN INC COM 67066X107   252,946 22,912 SH   SOLE   0 0 22,912
NUVEEN TAXABLE MUNICPAL INM COM 67074C103   210,259 13,043 SH   SOLE   0 0 13,043
NVIDIA CORPORATION COM 67066G104   584,151 2,103 SH   SOLE   0 0 2,103
ORACLE CORP COM 68389X105   248,283 2,672 SH   SOLE   0 0 2,672
PACER FDS TR US CASH COWS 100 69374H881   308,791 6,577 SH   SOLE   0 0 6,577
PEPSICO INC COM 713448108   318,479 1,747 SH   SOLE   0 0 1,747
PFIZER INC COM 717081103   403,517 9,890 SH   SOLE   0 0 9,890
PHILIP MORRIS INTL INC COM 718172109   315,285 3,242 SH   SOLE   0 0 3,242
PIMCO ETF TR INTER MUN BD ACT 72201R866   2,372,814 45,404 SH   SOLE   0 0 45,404
PROCTER AND GAMBLE CO COM 742718109   344,069 2,314 SH   SOLE   0 0 2,314
RAYTHEON TECHNOLOGIES CORP COM 75513E101   393,269 4,016 SH   SOLE   0 0 4,016
RUTHS HOSPITALITY GROUP INC COM 783332109   164,200 10,000 SH   SOLE   0 0 10,000
S&P GLOBAL INC COM 78409V104   570,250 1,654 SH   SOLE   0 0 1,654
SALESFORCE INC COM 79466L302   276,696 1,385 SH   SOLE   0 0 1,385
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   11,801,736 173,939 SH   SOLE   0 0 173,939
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   5,993,450 59,236 SH   SOLE   0 0 59,236
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   5,934,266 73,571 SH   SOLE   0 0 73,571
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   1,802,567 70,057 SH   SOLE   0 0 70,057
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,377,548 3,365 SH   SOLE   0 0 3,365
SPDR SER TR NUVEEN BLMBRG SH 78468R739   47,778,375 1,004,803 SH   SOLE   0 0 1,004,803
SPDR SER TR PORTFOLIO S&P600 78468R853   1,069,269 28,310 SH   SOLE   0 0 28,310
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,466,708 26,494 SH   SOLE   0 0 26,494
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,953,380 47,971 SH   SOLE   0 0 47,971
SPDR SER TR S&P HOMEBUILD 78464A888   805,735 11,891 SH   SOLE   0 0 11,891
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   531,974 12,831 SH   SOLE   0 0 12,831
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   536,796 13,083 SH   SOLE   0 0 13,083
STERIS PLC SHS USD G8473T100   233,553 1,221 SH   SOLE   0 0 1,221
TESLA INC COM 88160R101   871,747 4,202 SH   SOLE   0 0 4,202
THERMO FISHER SCIENTIFIC INC COM 883556102   429,974 746 SH   SOLE   0 0 746
TJX COS INC NEW COM 872540109   346,352 4,420 SH   SOLE   0 0 4,420
UNITED PARCEL SERVICE INC CL B 911312106   235,504 1,214 SH   SOLE   0 0 1,214
UNITEDHEALTH GROUP INC COM 91324P102   1,188,092 2,514 SH   SOLE   0 0 2,514
VANECK ETF TRUST GOLD MINERS ETF 92189F106   241,493 7,465 SH   SOLE   0 0 7,465
VANECK ETF TRUST IG FLOATING RATE 92189F486   489,587 19,607 SH   SOLE   0 0 19,607
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   247,774 3,356 SH   SOLE   0 0 3,356
VANGUARD INDEX FDS SM CP VAL ETF 922908611   546,929 3,445 SH   SOLE   0 0 3,445
VANGUARD INDEX FDS TOTAL STK MKT 922908769   871,507 4,270 SH   SOLE   0 0 4,270
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   478,130 9,438 SH   SOLE   0 0 9,438
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   324,202 3,073 SH   SOLE   0 0 3,073
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   284,909 4,599 SH   SOLE   0 0 4,599
VERIZON COMMUNICATIONS INC COM 92343V104   303,187 7,796 SH   SOLE   0 0 7,796
VIRTUS DIVIDEND INTEREST & P COM 92840R101   1,013,712 86,200 SH   SOLE   0 0 86,200
VISA INC COM CL A 92826C839   766,162 3,398 SH   SOLE   0 0 3,398
WALMART INC COM 931142103   270,719 1,836 SH   SOLE   0 0 1,836
WHITE MTNS INS GROUP LTD COM G9618E107   289,273 210 SH   SOLE   0 0 210
ZOETIS INC CL A 98978V103   238,176 1,431 SH   SOLE   0 0 1,431