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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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
American Electric Power Compan COM 025537101   720,970 7,027 SH   SOLE   0 0 7,027
Apple Inc. COM 037833100   397,319 1,705 SH   SOLE   0 0 1,705
Arch Capital Group Ltd. COM g0450a105   248,329 2,220 SH   SOLE   0 0 2,220
Berkshire Hathaway, Inc. - B COM 084670702   283,520 616 SH   SOLE   0 0 616
Credo Technology Group Holding COM g25457105   231,000 7,500 SH   SOLE   0 0 7,500
Intel Corporation COM 458140100   1,507,727 64,268 SH   SOLE   0 0 64,268
MSCI EAFE Index COM 464287465   220,381 2,635 SH   SOLE   0 0 2,635
McKesson Corp. COM 58155q103   288,247 583 SH   SOLE   0 0 583
Microsoft Corp. COM 594918104   584,078 1,357 SH   SOLE   0 0 1,357
PepsiCo, Inc. COM 713448108   324,115 1,906 SH   SOLE   0 0 1,906
Russell 2000 Index Fund - iSha COM 464287655   215,020 973 SH   SOLE   0 0 973
S&P 500 Index Fund - iShares COM 464287200   9,831,495 17,044 SH   SOLE   0 0 17,044
S&P MidCap 400 Index - iShares COM 464287507   695,117 11,154 SH   SOLE   0 0 11,154
SPDR Portfolio Developed World COM 78463x889   8,460,766 225,260 SH   SOLE   0 0 225,260
SPDR Portfolio Emerging Market COM 78463x509   9,080,595 219,976 SH   SOLE   0 0 219,976
SPDR Portfolio Large Cap ETF COM 78464a854   10,726,259 158,884 SH   SOLE   0 0 158,884
SPDR Portfolio Mid Cap ETF COM 78464a847   7,802,016 142,685 SH   SOLE   0 0 142,685
SPDR Portfolio Small Cap ETF COM 78468r853   1,641,864 36,077 SH   SOLE   0 0 36,077
Trane Technologies PLC COM g8994e103   274,443 706 SH   SOLE   0 0 706
United Bankshares Inc COM 909907107   206,461 5,565 SH   SOLE   0 0 5,565
Vanguard Emerging Markets Inde COM 922042858   4,368,313 91,292 SH   SOLE   0 0 91,292
Vanguard Europe Pacific (EAFE COM 921943858   5,476,964 103,711 SH   SOLE   0 0 103,711
Vanguard Mid Cap ETF COM 922908629   4,564,787 17,302 SH   SOLE   0 0 17,302
Vanguard Small Cap ETF COM 922908751   730,844 3,081 SH   SOLE   0 0 3,081
WisdomTree Emerging Mkts Small COM 97717w281   1,522,824 28,358 SH   SOLE   0 0 28,358
WisdomTree International Small COM 97717w760   1,516,338 21,960 SH   SOLE   0 0 21,960
WisdomTree MidCap Dividend Fun COM 97717w505   797,219 15,592 SH   SOLE   0 0 15,592
WisdomTree SmallCap Dividend F COM 97717w604   2,029,639 58,847 SH   SOLE   0 0 58,847
iShares MSCI Emerging Mkts ex COM 46434g764   497,191 8,136 SH   SOLE   0 0 8,136
Blackrock Floating Rate Income ETF 09255x100   3,178,528 240,798 SH   SOLE   0 0 240,798
Calamos Convertible Opportunit ETF 128117108   2,247,982 193,126 SH   SOLE   0 0 193,126
PIMCO 1-5 Year US TIPS Index E ETF 72201r205   290,484 5,499 SH   SOLE   0 0 5,499
Vanguard Shrt-Term Infl-Prot S ETF 922020805   1,354,372 27,466 SH   SOLE   0 0 27,466
iShares Short-Term Corporate B ETF 464288646   484,507 9,201 SH   SOLE   0 0 9,201
Vaneck Vectors Junior Gold Min ETF2 92189f791   2,719,400 55,714 SH   SOLE   0 0 55,714
Vanguard Global ex-US Real Est ETF2 922042676   4,961,295 105,762 SH   SOLE   0 0 105,762
Vanguard REIT Index ETF2 922908553   4,150,910 42,608 SH   SOLE   0 0 42,608