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
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   24,468,059 325,763 SH   SOLE --- 237,459 0 88,304
VANGUARD INDEX FDS TOTAL STK MKT 922908769   48,295,203 170,558 SH   SOLE --- 170,305 0 253
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   2,666,562 56,483 SH   SOLE --- 56,483 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   4,995,005 63,477 SH   SOLE --- 63,477 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,648,643 40,912 SH   SOLE --- 37,552 0 3,360
ISHARES TR IBOXX HI YD ETF 464288513   22,481,993 279,975 SH   SOLE --- 265,864 0 14,111
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   251,012 2,809 SH   SOLE --- 2,809 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   12,671,248 100,422 SH   SOLE --- 60,541 0 39,881
VANGUARD BD INDEX FDS INTERMED TERM 921937819   2,265,050 28,902 SH   SOLE --- 24,536 0 4,366
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,728,096 21,280 SH   SOLE --- 16,355 0 4,925
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,950,673 40,553 SH   SOLE --- 26,970 0 13,583
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   9,215,740 168,991 SH   SOLE --- 100,249 0 68,742
ISHARES TR BLACKROCK ULTRA 46434V878   1,504,695 29,655 SH   SOLE --- 29,655 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   4,739,637 21,457 SH   SOLE --- 12,260 0 9,197
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,354,803 25,848 SH   SOLE --- 11,484 0 14,364
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,219,148 12,467 SH   SOLE --- 10,969 0 1,498
PROLOGIS INC. COM 74340W103   2,610,713 20,674 SH   SOLE --- 19,810 0 864
LAM RESEARCH CORP COM 512807108   1,210,247 1,483 SH   SOLE --- 1,322 0 161
HONEYWELL INTL INC COM 438516106   1,518,285 7,345 SH   SOLE --- 6,743 0 602
BLACKROCK INC COM 09247X101   2,120,256 2,233 SH   SOLE --- 2,057 0 176
NEXTERA ENERGY INC COM 65339F101   2,107,248 24,929 SH   SOLE --- 22,716 0 2,213
DUPONT DE NEMOURS INC COM 26614N102   1,494,553 16,772 SH   SOLE --- 15,237 0 1,535
THERMO FISHER SCIENTIFIC INC COM 883556102   962,495 1,556 SH   SOLE --- 1,262 0 294
MICROSOFT CORP COM 594918104   5,804,747 13,490 SH   SOLE --- 11,271 0 2,219
APPLIED MATLS INC COM 038222105   882,150 4,366 SH   SOLE --- 3,579 0 787
AMETEK INC COM 031100100   753,463 4,388 SH   SOLE --- 3,586 0 802
L3HARRIS TECHNOLOGIES INC COM 502431109   1,213,137 5,100 SH   SOLE --- 4,659 0 441
MORGAN STANLEY COM NEW 617446448   1,999,740 19,184 SH   SOLE --- 17,278 0 1,906
EOG RES INC COM 26875P101   659,888 5,368 SH   SOLE --- 4,386 0 982
BROADCOM INC COM 11135F101   2,372,738 13,755 SH   SOLE --- 11,930 0 1,825
T-MOBILE US INC COM 872590104   1,567,717 7,597 SH   SOLE --- 6,808 0 789
EQUINIX INC COM 29444U700   1,350,973 1,522 SH   SOLE --- 1,402 0 120
VISA INC COM CL A 92826C839   1,206,206 4,387 SH   SOLE --- 3,555 0 832
MASTERCARD INCORPORATED CL A 57636Q104   1,325,359 2,684 SH   SOLE --- 2,181 0 503
PHILIP MORRIS INTL INC COM 718172109   2,100,706 17,304 SH   SOLE --- 16,010 0 1,294
COSTCO WHSL CORP NEW COM 22160K105   1,216,305 1,372 SH   SOLE --- 1,121 0 251
NORTHROP GRUMMAN CORP COM 666807102   538,631 1,020 SH   SOLE --- 826 0 194
LKQ CORP COM 501889208   477,523 11,962 SH   SOLE --- 9,727 0 2,235
ABBOTT LABS COM 002824100   1,793,719 15,733 SH   SOLE --- 14,262 0 1,471
AMAZON COM INC COM 023135106   3,115,065 16,718 SH   SOLE --- 13,650 0 3,068
UNITEDHEALTH GROUP INC COM 91324P102   1,732,407 2,963 SH   SOLE --- 2,552 0 411
ALPHABET INC CAP STK CL C 02079K107   2,145,048 12,830 SH   SOLE --- 11,169 0 1,661
BOSTON SCIENTIFIC CORP COM 101137107   918,699 10,963 SH   SOLE --- 8,944 0 2,019
SEMPRA COM 816851109   892,750 10,675 SH   SOLE --- 8,848 0 1,827
AMERIPRISE FINL INC COM 03076C106   1,688,497 3,594 SH   SOLE --- 3,221 0 373
ALPHABET INC CAP STK CL A 02079K305   1,504,260 9,070 SH   SOLE --- 7,247 0 1,823
QUANTA SVCS INC COM 74762E102   825,876 2,770 SH   SOLE --- 2,256 0 514
SALESFORCE INC COM 79466L302   1,059,258 3,870 SH   SOLE --- 3,149 0 721
VERTEX PHARMACEUTICALS INC COM 92532F100   876,211 1,884 SH   SOLE --- 1,532 0 352
APPLE INC COM 037833100   6,275,045 26,456 SH   SOLE --- 21,982 0 4,474
CONOCOPHILLIPS COM 20825C104   724,116 6,878 SH   SOLE --- 5,604 0 1,274
WALMART INC COM 931142103   1,246,376 15,435 SH   SOLE --- 12,526 0 2,909
MERCK & CO INC COM 58933Y105   1,731,449 15,247 SH   SOLE --- 13,416 0 1,831
GALLAGHER ARTHUR J & CO COM 363576109   680,634 2,419 SH   SOLE --- 1,951 0 468
ELECTRONIC ARTS INC COM 285512109   1,237,600 8,628 SH   SOLE --- 7,849 0 779
BECTON DICKINSON & CO COM 075887109   1,375,958 5,707 SH   SOLE --- 5,191 0 516
SYSCO CORP COM 871829107   501,614 6,426 SH   SOLE --- 5,266 0 1,160
CHIPOTLE MEXICAN GRILL INC COM 169656105   877,956 15,237 SH   SOLE --- 12,570 0 2,667
DISNEY WALT CO COM 254687106   862,632 8,968 SH   SOLE --- 7,333 0 1,635
JPMORGAN CHASE & CO. COM 46625H100   3,889,102 18,444 SH   SOLE --- 16,938 0 1,506
BOOKING HOLDINGS INC COM 09857L108   985,636 234 SH   SOLE --- 192 0 42
TESLA INC COM 88160R101   458,376 1,752 SH   SOLE --- 1,435 0 317
DELTA AIR LINES INC DEL COM NEW 247361702   685,056 13,488 SH   SOLE --- 11,139 0 2,349
STARBUCKS CORP COM 855244109   1,618,470 7,011 SH   SOLE --- 5,715 0 1,296
EMERSON ELEC CO COM 291011104   1,587,943 14,519 SH   SOLE --- 13,222 0 1,297
QUALCOMM INC COM 747525103   1,397,301 8,217 SH   SOLE --- 7,336 0 881
META PLATFORMS INC CL A 30303M102   704,101 1,230 SH   SOLE --- 997 0 233
NVIDIA CORPORATION COM 67066G104   4,700,092 38,703 SH   SOLE --- 31,564 0 7,139
ONEOK INC NEW COM 682680103   665,978 7,308 SH   SOLE --- 5,958 0 1,350
ALBEMARLE CORP COM 012653101   472,413 4,988 SH   SOLE --- 4,081 0 907
LABCORP HOLDINGS INC COM SHS 504922105   1,405,913 6,291 SH   SOLE --- 5,805 0 486
AXON ENTERPRISE INC COM 05464C101   703,296 1,760 SH   SOLE --- 1,445 0 315
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,850,211 3,945 SH   SOLE --- 3,674 0 271
ELI LILLY & CO COM 532457108   276,413 312 SH   SOLE --- 259 0 53
CORNING INC COM 219350105   1,279,280 28,334 SH   SOLE --- 26,153 0 2,181
JACOBS SOLUTIONS INC COM 46982L108   1,049,818 8,020 SH   SOLE --- 7,286 0 734
RTX CORPORATION COM 75513E101   1,057,969 8,732 SH   SOLE --- 8,732 0 0
MARATHON PETE CORP COM 56585A102   727,556 4,466 SH   SOLE --- 4,466 0 0
VALERO ENERGY CORP COM 91913Y100   653,140 4,837 SH   SOLE --- 4,837 0 0
CHEVRON CORP NEW COM 166764100   1,206,289 8,191 SH   SOLE --- 8,191 0 0
CISCO SYS INC COM 17275R102   991,116 18,623 SH   SOLE --- 18,623 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303   880,383 14,186 SH   SOLE --- 14,186 0 0
COCA COLA CO COM 191216100   1,071,495 13,782 SH   SOLE --- 13,782 0 0
EASTMAN CHEM CO COM 277432100   843,655 7,536 SH   SOLE --- 7,536 0 0
ELEVANCE HEALTH INC COM 036752103   770,640 1,482 SH   SOLE --- 1,482 0 0
BANK AMERICA CORP COM 060505104   1,261,983 31,804 SH   SOLE --- 31,804 0 0
COMCAST CORP NEW CL A 20030N101   928,464 22,228 SH   SOLE --- 22,228 0 0
ABBVIE INC COM 00287Y109   1,153,283 5,840 SH   SOLE --- 5,840 0 0
F N B CORP COM 302520101   661,392 46,874 SH   SOLE --- 46,874 0 0
PROCTER AND GAMBLE CO COM 742718109   1,496,794 8,642 SH   SOLE --- 8,642 0 0
MEDTRONIC PLC SHS G5960L103   665,502 7,392 SH   SOLE --- 7,392 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104   921,710 7,837 SH   SOLE --- 7,837 0 0
DOVER CORP COM 260003108   751,429 3,919 SH   SOLE --- 3,919 0 0
WILLIAMS COS INC COM 969457100   762,401 16,701 SH   SOLE --- 16,701 0 0
AMERICAN ELEC PWR CO INC COM 025537101   714,814 6,967 SH   SOLE --- 6,967 0 0
WELLS FARGO CO NEW COM 949746101   1,160,079 20,536 SH   SOLE --- 20,536 0 0
THE CIGNA GROUP COM 125523100   984,929 2,843 SH   SOLE --- 2,843 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   753,127 14,556 SH   SOLE --- 14,556 0 0
LAMB WESTON HLDGS INC COM 513272104   341,374 5,273 SH   SOLE --- 5,273 0 0
SS&C TECHNOLOGIES HLDGS INC COM 78467J100   625,813 8,433 SH   SOLE --- 8,433 0 0
ENCOMPASS HEALTH CORP COM 29261A100   832,747 8,617 SH   SOLE --- 8,617 0 0
CRANE NXT CO COM 224441105   597,241 10,646 SH   SOLE --- 10,646 0 0
ITT INC COM 45073V108   707,780 4,734 SH   SOLE --- 4,734 0 0
S&P GLOBAL INC COM 78409V104   998,110 1,932 SH   SOLE --- 1,932 0 0
LENNAR CORP CL A 526057104   860,346 4,589 SH   SOLE --- 4,589 0 0
BORGWARNER INC COM 099724106   579,479 15,968 SH   SOLE --- 15,968 0 0
CLEARWAY ENERGY INC CL C 18539C204   884,044 28,815 SH   SOLE --- 28,815 0 0
GENERAL DYNAMICS CORP COM 369550108   782,396 2,589 SH   SOLE --- 2,589 0 0
DEERE & CO COM 244199105   1,236,232 2,203 SH   SOLE --- 2,203 0 0
MCDONALDS CORP COM 580135101   1,090,450 3,581 SH   SOLE --- 3,581 0 0
DIGITAL RLTY TR INC COM 253868103   1,333,156 8,238 SH   SOLE --- 8,238 0 0
NISOURCE INC COM 65473P105   661,365 19,087 SH   SOLE --- 19,087 0 0
REXFORD INDL RLTY INC COM 76169C100   826,694 16,432 SH   SOLE --- 16,432 0 0
NEWMONT CORP COM 651639106   942,698 17,637 SH   SOLE --- 17,637 0 0
NIKE INC CL B 654106103   1,324,904 8,594 SH   SOLE --- 8,594 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   879,353 10,925 SH   SOLE --- 10,925 0 0
OVINTIV INC COM 69047Q102   499,792 13,046 SH   SOLE --- 13,046 0 0
HOME DEPOT INC COM 437076102   726,929 1,794 SH   SOLE --- 1,794 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   629,554 3,625 SH   SOLE --- 3,625 0 0
SHELL PLC SPON ADS 780259305   224,164 3,399 SH   SOLE --- 3,399 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   242,300 3,110 SH   SOLE --- 3,110 0 0
ROYAL BK CDA COM 780087102   219,899 1,763 SH   SOLE --- 1,763 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   150,082 11,883 SH   SOLE --- 11,883 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   107,097 34,326 SH   SOLE --- 34,326 0 0
NOVO-NORDISK A S ADR 670100205   323,989 2,721 SH   SOLE --- 2,721 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   331,634 398 SH   SOLE --- 398 0 0
TOYOTA MOTOR CORP ADS 892331307   208,213 1,166 SH   SOLE --- 1,166 0 0
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101   116,107 10,711 SH   SOLE --- 10,711 0 0
AVIENT CORPORATION COM 05368V106   200,425 3,983 SH   SOLE --- 3,983 0 0
ARCOSA INC COM 039653100   231,214 2,440 SH   SOLE --- 2,440 0 0
SPDR SER TR S&P BIOTECH 78464A870   1,299,714 13,155 SH   SOLE --- 13,155 0 0
PROGRESS SOFTWARE CORP COM 743312100   201,369 2,989 SH   SOLE --- 2,989 0 0
ACADEMY SPORTS & OUTDOORS IN COM 00402L107   205,135 3,515 SH   SOLE --- 3,515 0 0
ENSIGN GROUP INC COM 29358P101   270,669 1,882 SH   SOLE --- 1,882 0 0
FABRINET SHS G3323L100   213,742 904 SH   SOLE --- 904 0 0
MERIT MED SYS INC COM 589889104   243,814 2,467 SH   SOLE --- 2,467 0 0
INSTALLED BLDG PRODS INC COM 45780R101   203,419 826 SH   SOLE --- 826 0 0
SPS COMM INC COM 78463M107   204,461 1,053 SH   SOLE --- 1,053 0 0
REDWOOD TRUST INC COM 758075402   194,008 25,098 SH   SOLE --- 25,098 0 0
MAGNITE INC COM 55955D100   141,076 10,186 SH   SOLE --- 10,186 0 0
ADEIA INC COM 00676P107   182,009 15,282 SH   SOLE --- 15,282 0 0
SPDR SER TR S&P REGL BKG 78464A698   1,194,203 21,099 SH   SOLE --- 21,099 0 0
NERDWALLET INC COM CL A 64082B102   136,849 10,767 SH   SOLE --- 10,767 0 0
INTEGER HLDGS CORP COM 45826H109   209,040 1,608 SH   SOLE --- 1,608 0 0
DYCOM INDS INC COM 267475101   221,540 1,124 SH   SOLE --- 1,124 0 0
PAYONEER GLOBAL INC COM 70451X104   259,190 34,421 SH   SOLE --- 34,421 0 0
PATTERSON-UTI ENERGY INC COM 703481101   107,522 14,055 SH   SOLE --- 14,055 0 0
ARCADIUM LITHIUM PLC COM SHS G0508H110   137,302 48,176 SH   SOLE --- 48,176 0 0
KONTOOR BRANDS INC COM 50050N103   230,211 2,815 SH   SOLE --- 2,815 0 0
CARGURUS INC COM CL A 141788109   205,555 6,845 SH   SOLE --- 6,845 0 0
MODINE MFG CO COM 607828100   204,762 1,542 SH   SOLE --- 1,542 0 0
MR COOPER GROUP INC COM 62482R107   240,959 2,614 SH   SOLE --- 2,614 0 0
PRIMORIS SVCS CORP COM 74164F103   209,785 3,612 SH   SOLE --- 3,612 0 0
ESSENTIAL PPTYS RLTY TR INC COM 29670E107   422,948 12,385 SH   SOLE --- 12,385 0 0
CROWN CASTLE INC COM 22822V101   303,337 2,557 SH   SOLE --- 2,557 0 0
ALEXANDRIA REAL ESTATE EQ IN COM 015271109   219,094 1,845 SH   SOLE --- 1,845 0 0
VICI PPTYS INC COM 925652109   332,134 9,971 SH   SOLE --- 9,971 0 0
AMERICAN HOMES 4 RENT CL A 02665T306   234,141 6,099 SH   SOLE --- 6,099 0 0
SUN CMNTYS INC COM 866674104   244,351 1,808 SH   SOLE --- 1,808 0 0
GAMING & LEISURE PPTYS INC COM 36467J108   250,459 4,868 SH   SOLE --- 4,868 0 0
REGENCY CTRS CORP COM 758849103   213,440 2,955 SH   SOLE --- 2,955 0 0
AMERICAN TOWER CORP NEW COM 03027X100   1,148,149 4,937 SH   SOLE --- 4,937 0 0
REALTY INCOME CORP COM 756109104   393,902 6,211 SH   SOLE --- 6,211 0 0
CBRE GROUP INC CL A 12504L109   529,911 4,257 SH   SOLE --- 4,257 0 0
VENTAS INC COM 92276F100   311,095 4,851 SH   SOLE --- 4,851 0 0
WELLTOWER INC COM 95040Q104   576,519 4,503 SH   SOLE --- 4,503 0 0
SIMON PPTY GROUP INC NEW COM 828806109   332,293 1,966 SH   SOLE --- 1,966 0 0
HOST HOTELS & RESORTS INC COM 44107P104   189,974 10,794 SH   SOLE --- 10,794 0 0
WEYERHAEUSER CO MTN BE COM NEW 962166104   295,327 8,722 SH   SOLE --- 8,722 0 0
MID-AMER APT CMNTYS INC COM 59522J103   247,090 1,555 SH   SOLE --- 1,555 0 0
PUBLIC STORAGE OPER CO COM 74460D109   719,735 1,978 SH   SOLE --- 1,978 0 0
HEALTHPEAK PROPERTIES INC COM 42250P103   211,548 9,250 SH   SOLE --- 9,250 0 0
FEDERAL RLTY INVT TR NEW SH BEN INT NEW 313745101   210,740 1,833 SH   SOLE --- 1,833 0 0
AVALONBAY CMNTYS INC COM 053484101   359,724 1,597 SH   SOLE --- 1,597 0 0
CATERPILLAR INC COM 149123101   265,696 0 SH   SOLE --- 0 0 0
TEXAS INSTRS INC COM 882508104   247,636 0 SH   SOLE --- 0 0 0
ISHARES TR CORE US AGGBD ET 464287226   340,267 3,360 SH   SOLE --- 0 0 3,360
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   651,498 8,667 SH   SOLE --- 8,667 0 0
ISHARES TR TIPS BD ETF 464287176   411,501 3,725 SH   SOLE --- 3,725 0 0
ISHARES TR CORE S&P500 ETF 464287200   3,387,664 5,873 SH   SOLE --- 5,873 0 0
ISHARES TR PFD AND INCM SEC 464288687   243,244 7,320 SH   SOLE --- 7,320 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   1,595,232 38,200 SH   SOLE --- 38,200 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,260,600 60,000 SH   SOLE --- 60,000 0 0