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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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 BBG001S5T7X2 240,716 2,405 SH   SOLE   2,405 0 0
ABBOTT LABS COM 002824100 BBG001S5N9M6 360,420 3,306 SH   SOLE   3,306 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 843,637 6,262 SH   SOLE   6,262 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 356,766 3,132 SH   SOLE   3,132 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,256,265 10,495 SH   SOLE   10,495 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 239,521 1,980 SH   SOLE   1,980 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 BBG001TBMNT5 479,264 12,223 SH   SOLE   12,223 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 313,612 6,923 SH   SOLE   6,923 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 604,730 4,639 SH   SOLE   4,639 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 719,123 3,239 SH   SOLE   3,239 0 0
APPLE INC COM 037833100 BBG001S5N8V8 5,236,832 26,998 SH   SOLE   26,998 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 342,700 21,486 SH   SOLE   21,486 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 259,101 9,031 SH   SOLE   9,031 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 700,414 2,054 SH   SOLE   2,054 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 775,458 12,126 SH   SOLE   12,126 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 441,749 1,795 SH   SOLE   1,795 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 1,028,582 6,537 SH   SOLE   6,537 0 0
CINCINNATI FINL CORP COM 172062101 BBG001S5PTM0 293,906 3,020 SH   SOLE   3,020 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 910,158 17,591 SH   SOLE   17,591 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 774,671 12,864 SH   SOLE   12,864 0 0
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 248,690 2,751 SH   SOLE   2,751 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 321,215 3,598 SH   SOLE   3,598 0 0
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 227,565 4,394 SH   SOLE   4,394 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 473,468 5,276 SH   SOLE   5,276 0 0
DUPONT DE NEMOURS INC COM 26614N102 BBG00BN961H3 296,262 4,147 SH   SOLE   4,147 0 0
EOG RES INC COM 26875P101 BBG001S5ZB93 216,406 1,891 SH   SOLE   1,891 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,599,505 14,914 SH   SOLE   14,914 0 0
F N B CORP COM 302520101 BBG001S5R1Q5 551,088 48,172 SH   SOLE   48,172 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 BBG01BFR8YW0 294,414 3,624 SH   SOLE   3,624 0 0
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 583,702 2,713 SH   SOLE   2,713 0 0
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 1,194,838 10,877 SH   SOLE   10,877 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 702,046 2,260 SH   SOLE   2,260 0 0
INTEL CORP COM 458140100 BBG001S5SF65 335,030 10,019 SH   SOLE   10,019 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 843,538 6,304 SH   SOLE   6,304 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 247,930 1,515 SH   SOLE   1,515 0 0
INVESCO EXCHANGE TRADED FD T HIG YLD EQ DIV 46137V563 BBG001SN3Z78 235,272 12,241 SH   SOLE   12,241 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL TEC 46137V282 BBG00KJR2V68 279,386 950 SH   SOLE   950 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 5,018,399 137,906 SH   SOLE   137,906 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 679,068 13,777 SH   SOLE   13,777 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 4,919,772 60,678 SH   SOLE   60,678 0 0
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 2,019,580 19,619 SH   SOLE   19,619 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 5,872,419 50,949 SH   SOLE   50,949 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 502,200 7,440 SH   SOLE   7,440 0 0
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 3,472,411 56,813 SH   SOLE   56,813 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,164,109 4,452 SH   SOLE   4,452 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 8,322,075 85,058 SH   SOLE   85,058 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,264,653 5,081 SH   SOLE   5,081 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 222,166 5,969 SH   SOLE   5,969 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,178,270 16,252 SH   SOLE   16,252 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 5,905,755 165,892 SH   SOLE   165,892 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 405,284 3,005 SH   SOLE   3,005 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 447,626 4,194 SH   SOLE   4,194 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,697,217 23,240 SH   SOLE   23,240 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 943,092 5,036 SH   SOLE   5,036 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 2,410,064 34,195 SH   SOLE   34,195 0 0
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 1,672,024 10,373 SH   SOLE   10,373 0 0
ISHARES TR SHORT TREAS BD 464288679 BBG001SSD803 1,858,542 16,827 SH   SOLE   16,827 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 5,171,223 93,461 SH   SOLE   93,461 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 824,564 17,047 SH   SOLE   17,047 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 1,960,675 39,104 SH   SOLE   39,104 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 1,079,132 6,520 SH   SOLE   6,520 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 1,713,742 11,783 SH   SOLE   11,783 0 0
LILLY ELI & CO COM 532457108 BBG001S5STL8 587,163 1,252 SH   SOLE   1,252 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 272,545 592 SH   SOLE   592 0 0
MARATHON PETE CORP COM 56585A102 BBG001S169P1 743,208 6,374 SH   SOLE   6,374 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 1,123,989 3,767 SH   SOLE   3,767 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 305,443 3,467 SH   SOLE   3,467 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 556,284 4,821 SH   SOLE   4,821 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 684,160 2,384 SH   SOLE   2,384 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,189,947 9,367 SH   SOLE   9,367 0 0
NATIONAL FUEL GAS CO COM 636180101 BBG001S5TLR8 443,134 8,628 SH   SOLE   8,628 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 259,008 588 SH   SOLE   588 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 282,192 2,557 SH   SOLE   2,557 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 201,112 18,400 SH   SOLE   18,400 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 324,456 767 SH   SOLE   767 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 311,659 2,617 SH   SOLE   2,617 0 0
PACWEST BANCORP DEL COM 695263103 BBG001SFDBF8 403,914 49,560 SH   SOLE   49,560 0 0
PEPSICO INC COM 713448108 BBG001S695T1 1,132,702 6,115 SH   SOLE   6,115 0 0
PFIZER INC COM 717081103 BBG001S5V466 609,589 16,619 SH   SOLE   16,619 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 506,648 5,190 SH   SOLE   5,190 0 0
PNC FINL SVCS GROUP INC COM 693475105 BBG001S5V947 201,142 1,597 SH   SOLE   1,597 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,346,604 8,874 SH   SOLE   8,874 0 0
PROSHARES TR SHORT S&P 500 NE 74347B425 BBG001SR6H49 277,600 20,000 SH   SOLE   20,000 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 261,224 2,194 SH   SOLE   2,194 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 BBG001S5X5Q9 414,959 4,236 SH   SOLE   4,236 0 0
RESMED INC COM 761152107 BBG001SBGRC2 232,047 1,062 SH   SOLE   1,062 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 BBG001T6L7D9 200,759 8,151 SH   SOLE   8,151 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 2,080,680 40,245 SH   SOLE   40,245 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 5,841,770 80,443 SH   SOLE   80,443 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 6,053,496 80,767 SH   SOLE   80,767 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 5,829,097 111,306 SH   SOLE   111,306 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 6,180,229 87,009 SH   SOLE   87,009 0 0
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852 BBG00L5F9FV7 2,692,880 41,378 SH   SOLE   41,378 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 528,313 7,123 SH   SOLE   7,123 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 2,206,238 16,622 SH   SOLE   16,622 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 BBG001S7T232 631,900 5,888 SH   SOLE   5,888 0 0
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 1,636,982 25,015 SH   SOLE   25,015 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 248,620 1,430 SH   SOLE   1,430 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 208,713 2,971 SH   SOLE   2,971 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 1,113,653 6,247 SH   SOLE   6,247 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 3,704,170 107,742 SH   SOLE   107,742 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,119,330 2,525 SH   SOLE   2,525 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 1,702,343 18,540 SH   SOLE   18,540 0 0
T-MOBILE US INC COM 872590104 BBG001SKR9Y6 279,328 2,011 SH   SOLE   2,011 0 0
UNION PAC CORP COM 907818108 BBG001S5X2M0 240,429 1,175 SH   SOLE   1,175 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 302,323 629 SH   SOLE   629 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 8,296,214 110,278 SH   SOLE   110,278 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 530,048 7,014 SH   SOLE   7,014 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 210,829 1,040 SH   SOLE   1,040 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 253,994 1,277 SH   SOLE   1,277 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 936,036 17,203 SH   SOLE   17,203 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 699,737 17,201 SH   SOLE   17,201 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 1,107,248 19,180 SH   SOLE   19,180 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 765,636 16,579 SH   SOLE   16,579 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 952,721 8,982 SH   SOLE   8,982 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 603,900 16,238 SH   SOLE   16,238 0 0
WALMART INC COM 931142103 BBG001S5XH92 305,760 1,945 SH   SOLE   1,945 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 2,653,826 52,739 SH   SOLE   52,739 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 5,982,668 89,749 SH   SOLE   89,749 0 0