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
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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
ABBOTT LABS COM 002824100   241,900 2,500 SH   SOLE   0 0 2,500
ABBVIE INC COM 00287Y109   337,941 2,518 SH   SOLE   0 0 2,518
ABRDN ETFS BBRG ALL COMD K1 003261104   248,536 9,622 SH   SOLE   0 0 9,622
APPLE INC COM 037833100   1,210,217 8,757 SH   SOLE   0 0 8,757
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   488,914 1,831 SH   SOLE   0 0 1,831
BOEING CO COM 097023105   279,089 2,305 SH   SOLE   0 0 2,305
EXXON MOBIL CORP COM 30231G102   587,509 6,729 SH   SOLE   0 0 6,729
F N B CORP COM 302520101   658,578 56,774 SH   SOLE   0 0 56,774
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438   3,945,479 74,024 SH   SOLE   0 0 74,024
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   5,686,757 56,953 SH   SOLE   0 0 56,953
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   310,142 9,559 SH   SOLE   0 0 9,559
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   8,087,410 351,933 SH   SOLE   0 0 351,933
INTERNATIONAL BUSINESS MACHS COM 459200101   419,162 3,528 SH   SOLE   0 0 3,528
ISHARES TR SELECT DIVID ETF 464287168   6,333,914 59,074 SH   SOLE   0 0 59,074
ISHARES TR CORE S&P500 ETF 464287200   16,000,452 44,613 SH   SOLE   0 0 44,613
ISHARES TR CORE US AGGBD ET 464287226   1,385,273 14,379 SH   SOLE   0 0 14,379
ISHARES TR MSCI EAFE ETF 464287465   3,127,830 55,844 SH   SOLE   0 0 55,844
ISHARES TR CORE S&P MCP ETF 464287507   1,401,291 6,391 SH   SOLE   0 0 6,391
ISHARES TR COHEN STEER REIT 464287564   651,593 12,143 SH   SOLE   0 0 12,143
ISHARES TR RUS 1000 GRW ETF 464287614   3,780,046 17,966 SH   SOLE   0 0 17,966
ISHARES TR RUS 1000 ETF 464287622   1,177,072 5,910 SH   SOLE   0 0 5,910
ISHARES TR RUS 2000 VAL ETF 464287630   477,428 3,703 SH   SOLE   0 0 3,703
ISHARES TR RUSSELL 2000 ETF 464287655   1,468,976 8,907 SH   SOLE   0 0 8,907
ISHARES TR CORE S&P SCP ETF 464287804   1,338,279 15,349 SH   SOLE   0 0 15,349
ISHARES TR GL TIMB FORE ETF 464288174   366,408 5,600 SH   SOLE   0 0 5,600
ISHARES TR INTL SEL DIV ETF 464288448   284,779 12,640 SH   SOLE   0 0 12,640
ISHARES TR PFD AND INCM SEC 464288687   1,813,795 57,272 SH   SOLE   0 0 57,272
ISHARES TR CORE HIGH DV ETF 46429B663   9,637,029 105,565 SH   SOLE   0 0 105,565
ISHARES TR MSCI USA QLT FCT 46432F339   1,954,072 18,800 SH   SOLE   0 0 18,800
ISHARES TR MSCI USA VALUE 46432F388   1,069,397 13,064 SH   SOLE   0 0 13,064
ISHARES TR CORE TOTAL USD 46434V613   365,301 8,209 SH   SOLE   0 0 8,209
ISHARES TR CORE DIV GRWTH 46434V621   389,024 8,748 SH   SOLE   0 0 8,748
ISHARES TR MSCI INTL VLU FT 46435G409   699,802 35,433 SH   SOLE   0 0 35,433
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886   243,323 5,018 SH   SOLE   0 0 5,018
JOHNSON & JOHNSON COM 478160104   437,805 2,680 SH   SOLE   0 0 2,680
LISTED FD TR HORIZON KINETICS 53656F623   418,313 15,031 SH   SOLE   0 0 15,031
MCDONALDS CORP COM 580135101   254,275 1,102 SH   SOLE   0 0 1,102
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   221,356 3,068 SH   SOLE   0 0 3,068
PROCTER AND GAMBLE CO COM 742718109   221,569 1,755 SH   SOLE   0 0 1,755
PROSHARES TR MSCI EAFE DIVD 74347B839   2,383,730 76,140 SH   SOLE   0 0 76,140
PROSHARES TR S&P 500 DV ARIST 74348A467   2,193,703 27,435 SH   SOLE   0 0 27,435
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,664,105 15,858 SH   SOLE   0 0 15,858
SPDR GOLD TR GOLD SHS 78463V107   941,167 6,085 SH   SOLE   0 0 6,085
SPDR SER TR PORTFOLIO AGRGTE 78464A649   4,015,104 160,926 SH   SOLE   0 0 160,926
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   283,908 10,949 SH   SOLE   0 0 10,949
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   375,788 1,308 SH   SOLE   0 0 1,308
SPDR SER TR BLOOMBERG INVT 78468R200   914,424 30,179 SH   SOLE   0 0 30,179
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   15,303,469 361,357 SH   SOLE   0 0 361,357
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   789,075 20,875 SH   SOLE   0 0 20,875
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   827,317 23,904 SH   SOLE   0 0 23,904
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   267,826 9,521 SH   SOLE   0 0 9,521
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,639,418 31,649 SH   SOLE   0 0 31,649
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   947,877 7,013 SH   SOLE   0 0 7,013
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,632,048 27,741 SH   SOLE   0 0 27,741
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,931,390 60,931 SH   SOLE   0 0 60,931
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   6,382,199 143,851 SH   SOLE   0 0 143,851
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   2,909,199 43,662 SH   SOLE   0 0 43,662
VANGUARD INDEX FDS TOTAL STK MKT 922908769   645,913 3,599 SH   SOLE   0 0 3,599
YUM BRANDS INC COM 988498101   457,262 4,300 SH   SOLE   0 0 4,300