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   253,150 2,500 SH   SOLE   0 0 2,500
ABBVIE INC COM 00287Y109   401,294 2,518 SH   SOLE   0 0 2,518
ABRDN ETFS BBRG ALL COMD K1 003261104   770,463 37,095 SH   SOLE   0 0 37,095
APPLE INC COM 037833100   1,526,809 9,259 SH   SOLE   0 0 9,259
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   577,400 1,870 SH   SOLE   0 0 1,870
BOEING CO COM 097023105   489,651 2,305 SH   SOLE   0 0 2,305
EXXON MOBIL CORP COM 30231G102   737,902 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   4,925,155 81,854 SH   SOLE   0 0 81,854
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529   5,963,637 59,553 SH   SOLE   0 0 59,553
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305   1,305,532 38,398 SH   SOLE   0 0 38,398
NEW YORK LIFE INVESTMENTS ET NYLI MERGER ARBI 45409B800   817,405 25,843 SH   SOLE   0 0 25,843
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   2,343,329 95,296 SH   SOLE   0 0 95,296
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   12,368,493 506,490 SH   SOLE   0 0 506,490
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573   2,094,157 65,854 SH   SOLE   0 0 65,854
INTERNATIONAL BUSINESS MACHS COM 459200101   462,486 3,528 SH   SOLE   0 0 3,528
ISHARES TR SELECT DIVID ETF 464287168   5,939,971 50,691 SH   SOLE   0 0 50,691
ISHARES TR CORE S&P500 ETF 464287200   20,592,230 50,093 SH   SOLE   0 0 50,093
ISHARES TR CORE US AGGBD ET 464287226   1,899,637 19,065 SH   SOLE   0 0 19,065
ISHARES TR MSCI EAFE ETF 464287465   4,018,585 56,188 SH   SOLE   0 0 56,188
ISHARES TR CORE S&P MCP ETF 464287507   1,658,561 6,630 SH   SOLE   0 0 6,630
ISHARES TR COHEN STEER REIT 464287564   795,944 14,331 SH   SOLE   0 0 14,331
ISHARES TR RUS 1000 GRW ETF 464287614   4,386,701 17,954 SH   SOLE   0 0 17,954
ISHARES TR RUS 1000 ETF 464287622   1,281,784 5,691 SH   SOLE   0 0 5,691
ISHARES TR RUS 2000 VAL ETF 464287630   507,385 3,703 SH   SOLE   0 0 3,703
ISHARES TR RUSSELL 2000 ETF 464287655   1,612,019 9,036 SH   SOLE   0 0 9,036
ISHARES TR CORE S&P SCP ETF 464287804   1,585,590 16,397 SH   SOLE   0 0 16,397
ISHARES TR GL TIMB FORE ETF 464288174   495,045 6,915 SH   SOLE   0 0 6,915
ISHARES TR INTL SEL DIV ETF 464288448   347,474 12,640 SH   SOLE   0 0 12,640
ISHARES TR PFD AND INCM SEC 464288687   3,226,618 103,351 SH   SOLE   0 0 103,351
ISHARES TR CORE HIGH DV ETF 46429B663   10,881,483 107,038 SH   SOLE   0 0 107,038
ISHARES TR MSCI USA QLT FCT 46432F339   2,593,703 20,906 SH   SOLE   0 0 20,906
ISHARES TR MSCI USA VALUE 46432F388   1,064,827 11,500 SH   SOLE   0 0 11,500
ISHARES TR CORE TOTAL USD 46434V613   885,065 19,178 SH   SOLE   0 0 19,178
ISHARES TR CORE DIV GRWTH 46434V621   437,313 8,748 SH   SOLE   0 0 8,748
ISHARES TR MSCI INTL VLU FT 46435G409   878,384 35,433 SH   SOLE   0 0 35,433
ISHARES TR ESG AWR MSCI USA 46435G425   332,946 3,681 SH   SOLE   0 0 3,681
JOHNSON & JOHNSON COM 478160104   395,095 2,549 SH   SOLE   0 0 2,549
KIMBERLY-CLARK CORP COM 494368103   205,759 1,533 SH   SOLE   0 0 1,533
LISTED FD TR HORIZON KINETICS 53656F623   463,556 15,031 SH   SOLE   0 0 15,031
MCDONALDS CORP COM 580135101   328,542 1,175 SH   SOLE   0 0 1,175
NORFOLK SOUTHN CORP COM 655844108   318,000 1,500 SH   SOLE   0 0 1,500
PGIM ETF TR TOTAL RETURN BON 69344A800   1,010,988 24,079 SH   SOLE   0 0 24,079
PROCTER AND GAMBLE CO COM 742718109   274,036 1,843 SH   SOLE   0 0 1,843
PROSHARES TR MSCI EAFE DIVD 74347B839   2,855,250 76,140 SH   SOLE   0 0 76,140
PROSHARES TR S&P 500 DV ARIST 74348A467   2,503,169 27,435 SH   SOLE   0 0 27,435
ROSS STORES INC COM 778296103   212,260 2,000 SH   SOLE   0 0 2,000
SPDR S&P 500 ETF TR TR UNIT 78462F103   7,147,276 17,458 SH   SOLE   0 0 17,458
SPDR SER TR PORTFOLIO AGRGTE 78464A649   7,047,814 273,277 SH   SOLE   0 0 273,277
SSGA ACTIVE ETF TR MULT ASS RLRTN 78467V103   2,374,997 86,113 SH   SOLE   0 0 86,113
SPDR SER TR BLOOMBERG INVT 78468R200   701,077 23,039 SH   SOLE   0 0 23,039
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   724,919 7,895 SH   SOLE   0 0 7,895
SPDR SER TR PORTFOLIO S&P600 78468R853   258,536 6,845 SH   SOLE   0 0 6,845
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   408,256 8,532 SH   SOLE   0 0 8,532
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   19,185,235 396,635 SH   SOLE   0 0 396,635
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   517,164 7,886 SH   SOLE   0 0 7,886
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,812,581 67,078 SH   SOLE   0 0 67,078
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722   1,445,711 36,554 SH   SOLE   0 0 36,554
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   4,872,893 140,026 SH   SOLE   0 0 140,026
SCHWAB STRATEGIC TR US TIPS ETF 808524870   1,374,682 25,642 SH   SOLE   0 0 25,642
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,042,622 19,756 SH   SOLE   0 0 19,756
VANGUARD STAR FDS VG TL INTL STK F 921909768   217,417 3,938 SH   SOLE   0 0 3,938
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   715,182 9,350 SH   SOLE   0 0 9,350
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   661,148 8,955 SH   SOLE   0 0 8,955
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   2,883,526 27,332 SH   SOLE   0 0 27,332
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810   5,865,886 79,613 SH   SOLE   0 0 79,613
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   3,176,013 66,416 SH   SOLE   0 0 66,416
VANGUARD WORLD FD INF TECH ETF 92204A702   3,288,445 8,531 SH   SOLE   0 0 8,531
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   10,668,227 199,518 SH   SOLE   0 0 199,518
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664   3,006,601 41,712 SH   SOLE   0 0 41,712
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   2,010,138 39,679 SH   SOLE   0 0 39,679
VANGUARD INDEX FDS LARGE CAP ETF 922908637   8,930,078 47,803 SH   SOLE   0 0 47,803
VANGUARD INDEX FDS SMALL CP ETF 922908751   514,087 2,712 SH   SOLE   0 0 2,712
VANGUARD INDEX FDS TOTAL STK MKT 922908769   601,136 2,945 SH   SOLE   0 0 2,945
YUM BRANDS INC COM 988498101   567,944 4,300 SH   SOLE   0 0 4,300
YUM CHINA HLDGS INC COM 98850P109   253,560 4,000 SH   SOLE   0 0 4,000