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
3M CO COM 88579Y101 BBG001S5T7X2 455,179 3,330 SH   SOLE   3,329 0 0
ABBOTT LABS COM 002824100 BBG001S5N9M6 433,808 3,805 SH   SOLE   3,805 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,230,307 6,230 SH   SOLE   6,230 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 290,750 1,772 SH   SOLE   1,772 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,807,621 10,899 SH   SOLE   10,899 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 314,317 1,880 SH   SOLE   1,880 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 BBG001TBMNT5 673,959 14,300 SH   SOLE   14,300 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 611,970 11,990 SH   SOLE   11,990 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,251,192 6,715 SH   SOLE   6,714 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 918,943 2,852 SH   SOLE   2,852 0 0
APPLE INC COM 037833100 BBG001S5N8V8 5,725,116 24,571 SH   SOLE   24,571 0 0
ARK ETF TR FINTECH INNOVA 00214Q708 BBG00N7YFKY9 201,762 6,766 SH   SOLE   6,766 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 404,960 486 SH   SOLE   486 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 314,006 14,273 SH   SOLE   14,273 0 0
BANC OF CALIFORNIA INC COM 05990K106 BBG001SKZX56 377,736 25,644 SH   SOLE   25,644 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 341,730 8,612 SH   SOLE   8,612 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 962,404 2,091 SH   SOLE   2,091 0 0
BOEING CO COM 097023105 BBG001S5P0V3 202,213 1,330 SH   SOLE   1,330 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 353,850 6,839 SH   SOLE   6,839 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 588,161 1,504 SH   SOLE   1,503 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 917,751 6,232 SH   SOLE   6,231 0 0
CINCINNATI FINL CORP COM 172062101 BBG001S5PTM0 411,082 3,020 SH   SOLE   3,020 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 734,755 13,806 SH   SOLE   13,806 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 823,156 11,455 SH   SOLE   11,455 0 0
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 281,151 2,700 SH   SOLE   2,700 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 3,220,154 117,481 SH   SOLE   117,481 0 0
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 210,587 3,644 SH   SOLE   3,644 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 577,538 5,009 SH   SOLE   5,009 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 428,795 484 SH   SOLE   484 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 271,238 2,480 SH   SOLE   2,480 0 0
EOG RES INC COM 26875P101 BBG001S5ZB93 298,597 2,429 SH   SOLE   2,429 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,832,597 15,634 SH   SOLE   15,633 0 0
F N B CORP COM 302520101 BBG001S5R1Q5 578,200 40,978 SH   SOLE   40,978 0 0
GE AEROSPACE COM NEW 369604301 BBG001S5PVD5 2,044,584 10,842 SH   SOLE   10,842 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 BBG01BFR8YW0 338,611 3,608 SH   SOLE   3,608 0 0
GE VERNOVA INC COM 36828A101 BBG013G17W77 684,366 2,684 SH   SOLE   2,684 0 0
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 698,686 2,312 SH   SOLE   2,312 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 1,002,060 2,473 SH   SOLE   2,473 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 1,232,300 5,574 SH   SOLE   5,574 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 263,486 6,485 SH   SOLE   6,485 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 6,653,935 133,882 SH   SOLE   133,882 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 398,712 6,945 SH   SOLE   6,945 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 225,657 3,599 SH   SOLE   3,599 0 0
ISHARES INC MSCI JPN ETF NEW 46434G822 BBG001S8SYN9 260,119 3,636 SH   SOLE   3,636 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 4,840,744 58,217 SH   SOLE   58,217 0 0
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 2,181,744 22,240 SH   SOLE   22,240 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 440,983 5,650 SH   SOLE   5,650 0 0
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 5,477,426 77,332 SH   SOLE   77,332 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,118,208 17,943 SH   SOLE   17,943 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 5,063,114 40,305 SH   SOLE   40,305 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,950,434 5,115 SH   SOLE   5,115 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 6,440,833 136,690 SH   SOLE   136,690 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 232,031 5,732 SH   SOLE   5,732 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,062,268 12,702 SH   SOLE   12,702 0 0
ISHARES TR MSCI INDIA ETF 46429B598 BBG002DMN4B6 329,348 5,627 SH   SOLE   5,627 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 8,872,388 213,844 SH   SOLE   213,844 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 204,581 1,141 SH   SOLE   1,141 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 279,940 2,577 SH   SOLE   2,577 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,850,323 20,993 SH   SOLE   20,993 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 886,873 4,015 SH   SOLE   4,015 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 3,126,908 32,657 SH   SOLE   32,657 0 0
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 1,821,654 9,239 SH   SOLE   9,239 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 6,055,911 101,763 SH   SOLE   101,762 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 1,479,870 26,941 SH   SOLE   26,941 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 BBG00GP26NW0 2,408,743 47,472 SH   SOLE   47,472 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 7,165,382 126,664 SH   SOLE   126,664 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 287,981 5,660 SH   SOLE   5,660 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 899,809 5,552 SH   SOLE   5,552 0 0
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 2,416,436 11,460 SH   SOLE   11,459 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 243,762 417 SH   SOLE   417 0 0
MARATHON PETE CORP COM 56585A102 BBG001S169P1 1,038,388 6,374 SH   SOLE   6,374 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 1,099,449 3,611 SH   SOLE   3,610 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 409,276 4,546 SH   SOLE   4,546 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 511,473 4,504 SH   SOLE   4,503 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,280,548 2,237 SH   SOLE   2,237 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,891,295 9,043 SH   SOLE   9,043 0 0
NATIONAL FUEL GAS CO COM 636180101 BBG001S5TLR8 520,882 8,594 SH   SOLE   8,594 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 216,327 305 SH   SOLE   305 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 228,249 2,582 SH   SOLE   2,582 0 0
NUVEEN AMT FREE MUN CR INC F COM 67071L106 BBG001SHZCF8 370,367 27,660 SH   SOLE   27,660 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 220,248 18,400 SH   SOLE   18,400 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,411,133 11,620 SH   SOLE   11,620 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 378,288 2,220 SH   SOLE   2,220 0 0
PACER FDS TR PACER US SMALL 69374H857 BBG00GXXR1G6 5,071,983 109,028 SH   SOLE   109,028 0 0
PARKER-HANNIFIN CORP COM 701094104 BBG001S5V554 213,165 337 SH   SOLE   337 0 0
PEPSICO INC COM 713448108 BBG001S695T1 1,174,317 6,906 SH   SOLE   6,905 0 0
PFIZER INC COM 717081103 BBG001S5V466 348,901 12,056 SH   SOLE   12,056 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 512,747 4,224 SH   SOLE   4,223 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,349,784 7,793 SH   SOLE   7,793 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 BBG005D266P2 1,256,565 11,770 SH   SOLE   11,770 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 446,921 2,628 SH   SOLE   2,628 0 0
REALTY INCOME CORP COM 756109104 BBG001S884K0 230,151 3,629 SH   SOLE   3,629 0 0
RESMED INC COM 761152107 BBG001SBGRC2 238,505 977 SH   SOLE   977 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 572,118 4,722 SH   SOLE   4,722 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 3,720,224 55,926 SH   SOLE   55,926 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 7,651,884 90,523 SH   SOLE   90,522 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 7,960,310 76,409 SH   SOLE   76,409 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 8,471,129 124,851 SH   SOLE   124,850 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 2,516,086 30,281 SH   SOLE   30,281 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 264,190 3,009 SH   SOLE   3,009 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 402,257 2,970 SH   SOLE   2,970 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 564,068 6,796 SH   SOLE   6,796 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 2,354,658 15,288 SH   SOLE   15,288 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 218,777 2,426 SH   SOLE   2,426 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 1,322,976 5,443 SH   SOLE   5,443 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 2,288,976 55,450 SH   SOLE   55,450 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,257,682 2,192 SH   SOLE   2,192 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 57,376 100 SH Put SOLE   100 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 2,421,764 26,378 SH   SOLE   26,378 0 0
STANDARD LITHIUM LTD COM 853606101 BBG001S8KR43 37,030 23,000 SH   SOLE   23,000 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 277,872 1,600 SH   SOLE   1,600 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 406,573 1,554 SH   SOLE   1,554 0 0
T-MOBILE US INC COM 872590104 BBG001SKR9Y6 414,990 2,011 SH   SOLE   2,011 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 338,530 579 SH   SOLE   579 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 10,857,223 138,538 SH   SOLE   138,538 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 996,409 13,266 SH   SOLE   13,266 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 697,192 2,648 SH   SOLE   2,648 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 285,601 1,204 SH   SOLE   1,204 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1,163,512 18,468 SH   SOLE   18,468 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 457,015 9,551 SH   SOLE   9,551 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 791,989 13,419 SH   SOLE   13,419 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 595,824 11,282 SH   SOLE   11,282 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 1,021,754 7,970 SH   SOLE   7,970 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 919,953 12,530 SH   SOLE   12,530 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 669,518 14,908 SH   SOLE   14,908 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 355,235 1,292 SH   SOLE   1,292 0 0
WALMART INC COM 931142103 BBG001S5XH92 437,019 5,412 SH   SOLE   5,412 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 315,818 1,521 SH   SOLE   1,521 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 818,058 18,588 SH   SOLE   18,588 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 4,126,970 82,178 SH   SOLE   82,177 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 7,932,659 95,333 SH   SOLE   95,333 0 0