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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AMAZON COM INC COM Stock 023135106 874 262 SH   SOLE   262 0 0
TECHNOLOGY SELECT SECTOR SPDR ETF 81369Y803 920 5,290 SH   SOLE   5,290 0 0
ISHARES GOLD TRUST ETF ETF 464285204 3,671 105,472 SH   SOLE   105,472 0 0
JOHNSON & JOHNSON COM Stock 478160104 1,132 6,616 SH   SOLE   6,616 0 0
INVESCO HIGH YIELD EQUITY DIVIDEND ACHIEVERS ETF ETF 46137V563 212 10,070 SH   SOLE   10,070 0 0
VANGUARD ENERGY INDEX FUND ETF 92204A306 825 10,630 SH   SOLE   10,630 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 1,595 9,748 SH   SOLE   9,748 0 0
COCA COLA CO COM Stock 191216100 790 13,348 SH   SOLE   13,348 0 0
ENTERPRISE PRODS PARTNERS L P Stock 293792107 257 11,700 SH   SOLE   11,700 0 0
INTEL CORP COM Stock 458140100 560 10,865 SH   SOLE   10,865 0 0
MEDTRONIC PLC SHS Stock G5960L103 289 2,798 SH   SOLE   2,798 0 0
MERCK & CO INC Stock 58933Y105 540 7,049 SH   SOLE   7,049 0 0
SPDR S&P 500 ETF ETF 78462F103 2,245 4,726 SH   SOLE   4,726 0 0
EMERSON ELEC CO COM Stock 291011104 217 2,333 SH   SOLE   2,333 0 0
ISHARES TIPS BOND ETF ETF 464287176 834 6,454 SH   SOLE   6,454 0 0
FIRST COMWLTH FINL CORP PA COM Stock 319829107 174 10,828 SH   SOLE   10,828 0 0
VERIZON COMMUNICATIONS Stock 92343V104 803 15,448 SH   SOLE   15,448 0 0
PEPSICO INC COM Stock 713448108 1,023 5,891 SH   SOLE   5,891 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF ETF 464287457 2,885 33,726 SH   SOLE   33,726 0 0
FIRST TRUST TCW OPPORTUNISTIC FIXED INCOME ETF ETF 33740F805 3,992 75,008 SH   SOLE   75,008 0 0
HOME DEPOT Stock 437076102 996 2,400 SH   SOLE   2,400 0 0
ETFS GOLD TRUST ETF ETF 00326A104 207 11,795 SH   SOLE   11,795 0 0
DUPONT DE NEMOURS INC COM Stock 26614N102 335 4,147 SH   SOLE   4,147 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 2,237 15,877 SH   SOLE   15,877 0 0
SPDR GOLD ETF ETF 78463V107 1,346 7,871 SH   SOLE   7,871 0 0
SOUTHERN CO COM Stock 842587107 371 5,412 SH   SOLE   5,412 0 0
SCHWAB ETFS- US SMALL-CAP ETF ETF 808524607 623 6,087 SH   SOLE   6,087 0 0
SCHWAB ETFS- US BROAD MARKET ETF ETF 808524102 1,875 16,595 SH   SOLE   16,595 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF ETF 808524201 5,158 45,314 SH   SOLE   45,314 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 553 7,173 SH   SOLE   7,173 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 2,391 47,368 SH   SOLE   47,368 0 0
SCHWAB U.S. LARGE-CAP GROWTH ETF ETF 808524300 3,680 22,474 SH   SOLE   22,474 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 538 1,800 SH   SOLE   1,800 0 0
SCHWAB EMERGING MARKET EQ ETF ETF 808524706 420 14,182 SH   SOLE   14,182 0 0
GOOGLE INC Stock 02079K305 1,315 454 SH   SOLE   454 0 0
COMCAST CORP NEW CL A Stock 20030N101 333 6,610 SH   SOLE   6,610 0 0
MICROSOFT Stock 594918104 3,392 10,085 SH   SOLE   10,085 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDRA FUND ETF 81369Y852 452 5,822 SH   SOLE   5,822 0 0
MASCO CORP COM Stock 574599106 265 3,776 SH   SOLE   3,776 0 0
VANGUARD SMALL CAP ETF ETF 922908751 379 1,676 SH   SOLE   1,676 0 0
VANGUARD LARGE-CAP INDEX FUND ETF 922908637 256 1,160 SH   SOLE   1,160 0 0
NIKE INC CLASS B Stock 654106103 514 3,085 SH   SOLE   3,085 0 0
VANGUARD SHORT-TERM GOVERNMENT BOND ETF ETF 92206C102 695 11,427 SH   SOLE   11,427 0 0
FINANCIAL SELECT SECTOR SPDR ETF 81369Y605 287 7,351 SH   SOLE   7,351 0 0
SCHWAB U.S. LARGE-CAP VALUE ETF ETF 808524409 2,395 32,713 SH   SOLE   32,713 0 0
CONSOLIDATED EDISON INC COM Stock 209115104 252 2,951 SH   SOLE   2,951 0 0
LILLY ELI & CO COM Stock 532457108 373 1,352 SH   SOLE   1,352 0 0
SCHWAB US MID-CAP ETF ETF 808524508 5,151 64,044 SH   SOLE   64,044 0 0
SUN CMNTYS INC COM REIT 866674104 210 1,000 SH   SOLE   1,000 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,187 5,336 SH   SOLE   5,336 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 723 6,894 SH   SOLE   6,894 0 0
TREAN INS GROUP INC COM Stock 89457R101 410 46,000 SH   SOLE   46,000 0 0
MARATHON PETE CORP Stock 56585A102 408 6,374 SH   SOLE   6,374 0 0
F N B CORP-PA Stock 302520101 616 50,772 SH   SOLE   50,772 0 0
MAGELLAN MIDSTREAM PRTNRS LP COM UNIT RP LP Stock 559080106 442 9,507 SH   SOLE   9,507 0 0
SCHWAB US DIVIDEND EQUITY ETF ETF 808524797 5,233 64,736 SH   SOLE   64,736 0 0
POWERSHARES FTSE RAFI US 1000 ETF 46137V613 281 1,635 SH   SOLE   1,635 0 0
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697 230 2,844 SH   SOLE   2,844 0 0
ISHARES U.S. TREASURY BOND ETF ETF 46429B267 294 11,006 SH   SOLE   11,006 0 0
GRAB HOLDINGS LIMITED CLASS A ORD Stock G4124C109 71 10,000 SH   SOLE   10,000 0 0
NUVEEN MUN HIGH INCOME OPPORTU COM CEF 670682103 206 13,640 SH   SOLE   13,640 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 730 6,828 SH   SOLE   6,828 0 0
META PLATFORMS INC CL A Stock 30303M102 314 933 SH   SOLE   933 0 0
ISHARES CORE MSCI EAFE ETF 46432F842 781 10,464 SH   SOLE   10,464 0 0
ROYAL BK CDA COM Stock 780087102 212 2,000 SH   SOLE   2,000 0 0
SPDR MSCI ACWI EX-US ETF ETF 78463X848 358 12,231 SH   SOLE   12,231 0 0
ENBRIDGE INC COM Stock 29250N105 200 5,120 SH   SOLE   5,120 0 0
ISHARES 1-3 YR CREDIT BOND ETF ETF 464288646 1,776 32,964 SH   SOLE   32,964 0 0
ABBVIE INC COM Stock 00287Y109 828 6,119 SH   SOLE   6,119 0 0
ISHARES CORE MSCI EMERGING MKTS ETF 46434G103 1,056 17,637 SH   SOLE   17,637 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 1,529 18,046 SH   SOLE   18,046 0 0
VANGUARD FTSE ALL-WORLD EX-US ETF 922042775 852 13,899 SH   SOLE   13,899 0 0
NATIONAL FUEL GAS CO COM Stock 636180101 573 8,962 SH   SOLE   8,962 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS ADR 874039100 233 1,940 SH   SOLE   1,940 0 0
QUALCOMM INC Stock 747525103 255 1,397 SH   SOLE   1,397 0 0
T-MOBILE US INC COM Stock 872590104 270 2,326 SH   SOLE   2,326 0 0
GENERAL DYNAMICS CORP COM Stock 369550108 427 2,048 SH   SOLE   2,048 0 0
RESMED INC Stock 761152107 335 1,287 SH   SOLE   1,287 0 0
MCDONALDS CORP COM Stock 580135101 1,032 3,851 SH   SOLE   3,851 0 0
CISCO SYS INC Stock 17275R102 1,049 16,550 SH   SOLE   16,550 0 0
ISHARES TR RUSSELL MIDCAP INDEX FD ETF 464287499 2,158 25,993 SH   SOLE   25,993 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107 489 3,400 SH   SOLE   3,400 0 0
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND ETF 97717X669 4,733 71,869 SH   SOLE   71,869 0 0
AT&T INC COM Stock 00206R102 411 16,725 SH   SOLE   16,725 0 0
VANGUARD INTERMEDIATE-TERM BOND INDEX FUND ETF 921937819 4,247 48,467 SH   SOLE   48,467 0 0
ENERGY SELECT SECTOR SPDR ETF 81369Y506 314 5,660 SH   SOLE   5,660 0 0
MATERIALS SELECT SECTOR SPDR ETF 81369Y100 342 3,773 SH   SOLE   3,773 0 0
GENERAL ELECTRIC CO COM NEW Stock 369604301 1,051 11,127 SH   SOLE   11,127 0 0
ISHARES MSCI USA QUALITY FACTOR ETF ETF 46432F339 3,845 26,416 SH   SOLE   26,416 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 318 1,557 SH   SOLE   1,557 0 0
INDUSTRIAL SELECT SECTOR SPDR ETF 81369Y704 572 5,405 SH   SOLE   5,405 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 1,990 12,708 SH   SOLE   12,708 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 3,174 37,932 SH   SOLE   37,932 0 0
ISHARES S&P 500 INDEX ETF 464287200 2,432 5,098 SH   SOLE   5,098 0 0
UNION PAC CORP COM Stock 907818108 468 1,859 SH   SOLE   1,859 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 1,785 11,274 SH   SOLE   11,274 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 2,441 58,840 SH   SOLE   58,840 0 0
CHEVRON CORP NEW COM Stock 166764100 862 7,348 SH   SOLE   7,348 0 0
ISHARES AMT-FREE MUNI BOND ETF ETF 464288414 559 4,804 SH   SOLE   4,804 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 1,825 35,750 SH   SOLE   35,750 0 0
CINCINNATI FINL CORP COM Stock 172062101 457 4,015 SH   SOLE   4,015 0 0
BK OF AMERICA CORP COM Stock 060505104 441 9,913 SH   SOLE   9,913 0 0
EATON VANCE TAX-ADVANTAGED GLO COM CEF 27828U106 253 7,789 SH   SOLE   7,789 0 0
WALMART INC COM Stock 931142103 370 2,559 SH   SOLE   2,559 0 0
ISHARES INTERNATIONAL SELECT DIVIDEND ETF ETF 464288448 377 12,091 SH   SOLE   12,091 0 0
ISHARES 3-7 YEAR TREASURY BOND ETF ETF 464288661 263 2,043 SH   SOLE   2,043 0 0
FIRST TRUST NASDAQ RISING DIVIDEND ACHIEVERS FUND ETF 33738R506 214 4,124 SH   SOLE   4,124 0 0
INTL BUSINESS MACHINES Stock 459200101 768 5,745 SH   SOLE   5,745 0 0
ORACLE CORPORATION Stock 68389X105 262 3,004 SH   SOLE   3,004 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 349 4,052 SH   SOLE   4,052 0 0
VANGUARD FTSE EMERGING MARKETS ETF ETF 922042858 1,129 22,835 SH   SOLE   22,835 0 0
VANGUARD HIGH DIVIDEND YIELD ETF ETF 921946406 1,144 10,201 SH   SOLE   10,201 0 0
PFIZER INC COM Stock 717081103 1,081 18,310 SH   SOLE   18,310 0 0
ISHARES IBOXX CORPORATE BOND ETF ETF 464287242 229 1,725 SH   SOLE   1,725 0 0
3M CO COM Stock 88579Y101 451 2,539 SH   SOLE   2,539 0 0
CATERPILLAR INC COM Stock 149123101 379 1,834 SH   SOLE   1,834 0 0
ISHARES CURRENCY HEDGED MSCI EAFE ETF ETF 46434V803 2,015 57,030 SH   SOLE   57,030 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 289 100 SH   SOLE   100 0 0
AMERICAN EXPRESS CO COM Stock 025816109 219 1,337 SH   SOLE   1,337 0 0
AMGEN INC Stock 031162100 699 3,107 SH   SOLE   3,107 0 0
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX ETF 33733E302 633 2,800 SH   SOLE   2,800 0 0
NUVEEN AMT FREE QLTY MUN INCME COM CEF 670657105 435 27,900 SH   SOLE   27,900 0 0
GLOBAL X NASDAQ 100 COVERED CALL ETF ETF 37954Y483 292 13,168 SH   SOLE   13,168 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 3,304 28,963 SH   SOLE   28,963 0 0
ISHARES CORE DIVIDEND GROWTH ETF ETF 46434V621 218 3,924 SH   SOLE   3,924 0 0
VANGUARD SHORT-TERM BOND INDEX FUND ETF 921937827 1,186 14,668 SH   SOLE   14,668 0 0
PHILIP MORRIS INTL INC Stock 718172109 533 5,611 SH   SOLE   5,611 0 0
INVESCO S&P 500 EQUAL WEIGHT TECHNOLOGY ETF ETF 46137V282 553 1,706 SH   SOLE   1,706 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 490 2,445 SH   SOLE   2,445 0 0
FIRST TRUST MANAGED MUNICIPAL ETF ETF 33739N108 241 4,228 SH   SOLE   4,228 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 306 4,915 SH   SOLE   4,915 0 0
ISHARES GLOBAL ENERGY ETF ETF 464287341 245 8,918 SH   SOLE   8,918 0 0
REALTY INCOME CORP REIT 756109104 262 3,660 SH   SOLE   3,660 0 0
ALTRIA GROUP INC COM Stock 02209S103 207 4,376 SH   SOLE   4,376 0 0
DOMINION ENERGY INC COM Stock 25746U109 496 6,316 SH   SOLE   6,316 0 0
EXXON MOBIL CORP COM Stock 30231G102 1,069 17,463 SH   SOLE   17,463 0 0
UNITEDHEALTH GROUP Stock 91324P102 316 629 SH   SOLE   629 0 0
ROYAL DUTCH SHELL PLC SPON ADR B ADR 780259107 354 8,162 SH   SOLE   8,162 0 0
PACWEST BANCORP DEL COM Stock 695263103 680 15,060 SH   SOLE   15,060 0 0
DEERE & CO COM Stock 244199105 648 1,889 SH   SOLE   1,889 0 0
CENTRAL FUND OF CANADA LTD CEF 85208R101 258 14,517 SH   SOLE   14,517 0 0
ISHARES MSCI INTL QUALITY FACTOR ETF ETF 46434V456 6,804 172,780 SH   SOLE   172,780 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886 1,629 22,755 SH   SOLE   22,755 0 0
BLACKROCK INC Stock 09247X101 210 229 SH   SOLE   229 0 0
ISHARES CORE S&P MID CAP ETF ETF 464287507 1,884 6,657 SH   SOLE   6,657 0 0
ISHARES MSCI EAFE ETF ETF 464287465 1,426 18,122 SH   SOLE   18,122 0 0
APPLE INC Stock 037833100 5,692 32,055 SH   SOLE   32,055 0 0
ABBOTT LABS COM Stock 002824100 459 3,262 SH   SOLE   3,262 0 0
DISNEY WALT CO COM Stock 254687106 730 4,715 SH   SOLE   4,715 0 0
INVESCO PREFERRED ETF ETF 46138E511 374 24,935 SH   SOLE   24,935 0 0
VANGUARD TOTAL WORLD STOCK INDEX FUND ETF 922042742 290 2,695 SH   SOLE   2,695 0 0