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
ABBVIE INC Stock 00287Y109 948 7,063 SH   SOLE   7,063 0 0
AFLAC INC Stock 001055102 304 5,411 SH   SOLE   5,411 0 0
AT & T INC Stock 00206R102 389 25,366 SH   SOLE   25,366 0 0
ABBOTT LABORATORIES Stock 002824100 634 6,554 SH   SOLE   6,554 0 0
ABRDN PALLADIUM ETF TRUST ETF 003262102 207 1,031 SH   SOLE   1,031 0 0
ALPHABET INC NON VOTING CAP STK CL C Stock 02079K107 3,123 32,484 SH   SOLE   32,484 0 0
AMAZON COM INC Stock 023135106 4,655 41,196 SH   SOLE   41,196 0 0
AMCOR PLC ORD USD 0.01 Stock G0250X107 317 29,567 SH   SOLE   29,567 0 0
AMERICAN ELECTRIC POWER INC Stock 025537101 690 7,983 SH   SOLE   7,983 0 0
AMGEN INC Stock 031162100 512 2,271 SH   SOLE   2,271 0 0
APPLE INC Stock 037833100 7,501 54,275 SH   SOLE   54,275 0 0
AUTOMATIC DATA PROCESSING Stock 053015103 582 2,574 SH   SOLE   2,574 0 0
BANK OF AMERICA CORP Stock 060505104 455 15,056 SH   SOLE   15,056 0 0
BANK NEW YORK MELLON CORP Stock 064058100 273 7,075 SH   SOLE   7,075 0 0
BERKSHIRE HATHAWAY INC SERIES B NEW Stock 084670702 3,662 13,713 SH   SOLE   13,713 0 0
BIOGEN INC Stock 09062X103 317 1,186 SH   SOLE   1,186 0 0
BLACKROCK INC Stock 09247X101 304 553 SH   SOLE   553 0 0
BLACKSTONE GROUP INC COM Stock 09260D107 227 2,707 SH   SOLE   2,707 0 0
H & R BLOCK INC Stock 093671105 365 8,581 SH   SOLE   8,581 0 0
BRISTOL MYERS SQUIBB CO Stock 110122108 209 2,943 SH   SOLE   2,943 0 0
CSX CORP Stock 126408103 438 16,428 SH   SOLE   16,428 0 0
CATERPILLAR INC Stock 149123101 1,362 8,302 SH   SOLE   8,302 0 0
CHEVRON CORPORATION Stock 166764100 977 6,799 SH   SOLE   6,799 0 0
CISCO SYSTEMS INC Stock 17275R102 588 14,709 SH   SOLE   14,709 0 0
COCA-COLA COMPANY Stock 191216100 547 9,761 SH   SOLE   9,761 0 0
COLGATE-PALMOLIVE CO Stock 194162103 2,892 41,167 SH   SOLE   41,167 0 0
COMCAST CORP NEW CL A Stock 20030N101 589 20,072 SH   SOLE   20,072 0 0
CONOCOPHILLIPS Stock 20825C104 201 1,965 SH   SOLE   1,965 0 0
DEERE & CO Stock 244199105 3,980 11,919 SH   SOLE   11,919 0 0
DOMINION ENERGY INC Stock 25746U109 702 10,160 SH   SOLE   10,160 0 0
DOVER CORP COMMON Stock 260003108 261 2,241 SH   SOLE   2,241 0 0
DUKE ENERGY CORP COM NEW Stock 26441C204 1,197 12,872 SH   SOLE   12,872 0 0
EMERSON ELECTRIC CO Stock 291011104 465 6,354 SH   SOLE   6,354 0 0
ENBRIDGE INC Stock 29250N105 327 8,825 SH   SOLE   8,825 0 0
EVERGY INC Stock 30034W106 226 3,813 SH   SOLE   3,813 0 0
EXXON MOBIL CORP Stock 30231G102 411 4,705 SH   SOLE   4,705 0 0
FNB CORP PA Stock 302520101 1,015 87,490 SH   SOLE   87,490 0 0
FIRST CITIZENS BANCSHARES CLASS A Stock 31946M103 483 606 SH   SOLE   606 0 0
FIRST TRUST NASDAQ100ETF TECHNOLOGY INDEXFUND ETF 337345102 233 2,221 SH   SOLE   2,221 0 0
GENL DYNAMICS CORP Stock 369550108 494 2,329 SH   SOLE   2,329 0 0
GENUINE PARTS CO COM Stock 372460105 349 2,339 SH   SOLE   2,339 0 0
GILEAD SCIENCES INC Stock 375558103 344 5,577 SH   SOLE   5,577 0 0
CIGNA CORP NEW Stock 125523100 233 840 SH   SOLE   840 0 0
HERSHEY COMPANY Stock 427866108 353 1,600 SH   SOLE   1,600 0 0
HOME DEPOT INC Stock 437076102 334 1,211 SH   SOLE   1,211 0 0
HONEYWELL INTERNATIONAL INC Stock 438516106 3,536 21,179 SH   SOLE   21,179 0 0
ISHARES CORE S&P MID ETF ETF ETF 464287507 288 1,314 SH   SOLE   1,314 0 0
ISHARES CORE S&P 500 ETF S&P 500 INDEX FD ETF 464287200 1,135 3,164 SH   SOLE   3,164 0 0
ISHARES ETF RUSSELL 2000 ETF 464287655 541 3,279 SH   SOLE   3,279 0 0
ISHARES S&P500 VALUE ETF ETF 464287408 277 2,155 SH   SOLE   2,155 0 0
ISHARES S&P 500 ETF GROWTH ETF 464287309 283 4,895 SH   SOLE   4,895 0 0
ISHARES IBOXX & ETF INVESTMENT GRADE CORP BD ETF 464287242 480 4,687 SH   SOLE   4,687 0 0
ILLINOIS TOOL WORKS INC Stock 452308109 2,986 16,530 SH   SOLE   16,530 0 0
INTEL CORP Stock 458140100 469 18,212 SH   SOLE   18,212 0 0
INTERNATIONAL BUSINESS MACHINE CORP Stock 459200101 454 3,822 SH   SOLE   3,822 0 0
INTUIT INC Stock 461202103 368 949 SH   SOLE   949 0 0
INVESCO TR ETF S&P 500 EQUAL WEIGHT ETF 46137V357 228 1,793 SH   SOLE   1,793 0 0
ISHARES CORE U.S. ETF AGGREGATE BOND ETF 464287226 2,521 26,167 SH   SOLE   26,167 0 0
JOHNSON & JOHNSON Stock 478160104 2,406 14,726 SH   SOLE   14,726 0 0
KIMBERLY-CLARK CORP Stock 494368103 457 4,063 SH   SOLE   4,063 0 0
ELI LILLY & CO Stock 532457108 1,506 4,658 SH   SOLE   4,658 0 0
LOCKHEED MARTIN CORP Stock 539830109 447 1,158 SH   SOLE   1,158 0 0
LOWES COMPANIES INC Stock 548661107 273 1,453 SH   SOLE   1,453 0 0
M & T BANK CORP Stock 55261F104 341 1,935 SH   SOLE   1,935 0 0
MARSH AND MC LENNAN COMPANIES INC Stock 571748102 268 1,796 SH   SOLE   1,796 0 0
MCDONALDS CORP Stock 580135101 974 4,220 SH   SOLE   4,220 0 0
MERCK & CO INC NEW Stock 58933Y105 927 10,767 SH   SOLE   10,767 0 0
MICROSOFT CORP Stock 594918104 6,395 27,458 SH   SOLE   27,458 0 0
JPMORGAN ETF ULTRA-SHORT INCOME ETF 46641Q837 1,994 39,755 SH   SOLE   39,755 0 0
JPMORGAN CHASE & CO Stock 46625H100 3,015 28,851 SH   SOLE   28,851 0 0
MORGAN STANLEY & CO Stock 617446448 3,220 40,758 SH   SOLE   40,758 0 0
NVIDIA CORP Stock 67066G104 1,390 11,453 SH   SOLE   11,453 0 0
NEXTERA ENERGY INC Stock 65339F101 4,425 56,439 SH   SOLE   56,439 0 0
NIKE INC CLASS B Stock 654106103 2,091 25,154 SH   SOLE   25,154 0 0
P P G INDUSTRIES INC Stock 693506107 376 3,394 SH   SOLE   3,394 0 0
PEPSICO INCORPORATED Stock 713448108 4,230 25,907 SH   SOLE   25,907 0 0
PFIZER INCORPORATED Stock 717081103 610 13,948 SH   SOLE   13,948 0 0
PHILIP MORRIS INTERNATIONAL INC Stock 718172109 240 2,888 SH   SOLE   2,888 0 0
PHILLIPS 66 Stock 718546104 380 4,712 SH   SOLE   4,712 0 0
PROCTER & GAMBLE CO Stock 742718109 4,931 39,060 SH   SOLE   39,060 0 0
ROCKWELL AUTOMATION INC Stock 773903109 2,784 12,943 SH   SOLE   12,943 0 0
SOUTHERN COMPANY Stock 842587107 440 6,474 SH   SOLE   6,474 0 0
SPDR S&P SEMICONDCTR ETF ETF 78464A862 284 1,864 SH   SOLE   1,864 0 0
STARBUCKS CORP Stock 855244109 3,384 40,159 SH   SOLE   40,159 0 0
SPDR PORTFOLIO TIPS ETF ETF 78464A656 500 19,703 SH   SOLE   19,703 0 0
SYSCO CORPORATION Stock 871829107 266 3,758 SH   SOLE   3,758 0 0
TARGET CORP Stock 87612E106 433 2,915 SH   SOLE   2,915 0 0
TESLA INC Stock 88160R101 895 3,375 SH   SOLE   3,375 0 0
TRAVELERS COS INC/ THE Stock 89417E109 588 3,839 SH   SOLE   3,839 0 0
UNION PACIFIC CORP Stock 907818108 482 2,476 SH   SOLE   2,476 0 0
TRUIST FINL CORP Stock 89832Q109 540 12,395 SH   SOLE   12,395 0 0
UNITED PARCEL SERVICE-B Stock 911312106 605 3,743 SH   SOLE   3,743 0 0
US BANCORP NEW Stock 902973304 325 8,054 SH   SOLE   8,054 0 0
UNITEDHEALTH GROUP INC Stock 91324P102 10,776 21,337 SH   SOLE   21,337 0 0
VANGUARD TOTAL INTL ETF STOCK INDEX FUND ETF 921909768 249 5,432 SH   SOLE   5,432 0 0
VANGUARD TOTAL BOND ETF MARKET ETF 921937835 1,996 27,982 SH   SOLE   27,982 0 0
VANGUARD INTL EQUITY ETF INDEX FDS FTSE EMERGING MKTS ETF ETF 922042858 356 9,764 SH   SOLE   9,764 0 0
VANGUARD MID CAP ETF ETF 922908629 370 1,967 SH   SOLE   1,967 0 0
VANGUARD TOTAL STOCK ETF MARKET ETF ETF 922908769 396 2,209 SH   SOLE   2,209 0 0
VANGUARD INDEX FDS ETF S&P 500 ETF SHS NEW ETF 922908363 3,766 11,470 SH   SOLE   11,470 0 0
VERIZON COMMUNICATIONS COM Stock 92343V104 541 14,236 SH   SOLE   14,236 0 0
VANGUARD FTSE ETF DEVELOPED MARKETS ETF ETF 921943858 361 9,938 SH   SOLE   9,938 0 0
VISA INC CLASS A Stock 92826C839 3,152 17,743 SH   SOLE   17,743 0 0
WALMART INC Stock 931142103 4,123 31,787 SH   SOLE   31,787 0 0
WASTE MGMT INC DEL Stock 94106L109 642 4,009 SH   SOLE   4,009 0 0
XCEL ENERGY INC Stock 98389B100 271 4,239 SH   SOLE   4,239 0 0