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
ABBVIE INC COM 00287Y109   265,484 1,494 SH   SOLE   0 0 1,494
ALPHABET INC CAP STK CL C 02079K107   940,964 4,941 SH   SOLE   0 0 4,941
ALPHABET INC CAP STK CL A 02079K305   1,557,939 8,230 SH   SOLE   0 0 8,230
AMAZON COM INC COM 023135106   1,292,865 5,893 SH   SOLE   0 0 5,893
AMGEN INC COM 031162100   712,850 2,735 SH   SOLE   0 0 2,735
ANSYS INC COM 03662Q105   1,588,824 4,710 SH   SOLE   0 0 4,710
APPLE INC COM 037833100   7,222,240 28,841 SH   SOLE   0 0 28,841
AT&T INC COM 00206R102   218,866 9,612 SH   SOLE   0 0 9,612
BANK NEW YORK MELLON CORP COM 064058100   259,609 3,379 SH   SOLE   0 0 3,379
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   521,272 1,150 SH   SOLE   0 0 1,150
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105   387,404 7,149 SH   SOLE   0 0 7,149
BROOKFIELD CORP CL A LTD VT SH 11271J107   1,844,547 32,107 SH   SOLE   0 0 32,107
BROOKFIELD INFRAST PARTNERS LP INT UNIT G16252101   478,662 15,057 SH   SOLE   0 0 15,057
CBIZ INC COM 124805102   1,934,707 23,643 SH   SOLE   0 0 23,643
CHENIERE ENERGY INC COM NEW 16411R208   341,858 1,591 SH   SOLE   0 0 1,591
CISCO SYS INC COM 17275R102   336,256 5,680 SH   SOLE   0 0 5,680
CORNING INC COM 219350105   244,158 5,138 SH   SOLE   0 0 5,138
COSTCO WHSL CORP NEW COM 22160K105   692,700 756 SH   SOLE   0 0 756
D-WAVE QUANTUM INC COM 26740W109   105,000 12,500 SH   SOLE   0 0 12,500
EATON CORP PLC SHS G29183103   1,848,184 5,569 SH   SOLE   0 0 5,569
EXXON MOBIL CORP COM 30231G102   1,744,678 16,219 SH   SOLE   0 0 16,219
FARMERS NATIONAL BANC CORP COM 309627107   1,319,502 92,792 SH   SOLE   0 0 92,792
FEDERATED HERMES ETF TRUST US STRATEGIC DIV 31423L305   405,437 15,242 SH   SOLE   0 0 15,242
FEDERATED HERMES ETF TRUST HERMES TOTAL RET 31423L404   10,974,741 444,682 SH   SOLE   0 0 444,682
FEDERATED HERMES INC CL B 314211103   3,266,601 79,460 SH   SOLE   0 0 79,460
FIDELITY MERRIMACK STR TR TOTAL BD ETF 316188309   7,712,851 171,893 SH   SOLE   0 0 171,893
FIRST TR EXCHANGE-TRADED FD DORSEY WRT 5 ETF 33738R605   231,491 3,920 SH   SOLE   0 0 3,920
GOLD RESOURCE CORP COM 38068T105   5,481 23,820 SH   SOLE   0 0 23,820
GRAYSCALE BITCOIN TRUST ETF SHS REP COM UT 389637109   827,914 11,185 SH   SOLE   0 0 11,185
HOME DEPOT INC COM 437076102   324,418 834 SH   SOLE   0 0 834
INTERNATIONAL BUSINESS MACHS COM 459200101   354,806 1,614 SH   SOLE   0 0 1,614
INVESCO ACTIVELY MANAGED EXC TOTAL RETURN 46090A804   1,664,786 35,879 SH   SOLE   0 0 35,879
INVESCO QQQ TR UNIT SER 1 46090E103   610,920 1,195 SH   SOLE   0 0 1,195
ISHARES INC ESG AWR MSCI EM 46434G863   591,237 17,707 SH   SOLE   0 0 17,707
ISHARES INC CORE MSCI EMKT 46434G103   14,132,013 270,625 SH   SOLE   894 0 269,731
ISHARES TR S&P 100 ETF 464287101   398,902 1,381 SH   SOLE   0 0 1,381
ISHARES TR RUSSELL 2000 ETF 464287655   681,441 3,084 SH   SOLE   0 0 3,084
ISHARES TR RUS 2000 GRW ETF 464287648   586,289 2,037 SH   SOLE   0 0 2,037
ISHARES TR MSCI EAFE ETF 464287465   6,700,501 88,619 SH   SOLE   0 0 88,619
ISHARES TR S&P 500 VAL ETF 464287408   1,147,189 6,010 SH   SOLE   0 0 6,010
ISHARES TR CORE S&P500 ETF 464287200   3,356,758 5,702 SH   SOLE   0 0 5,702
ISHARES TR S&P MC 400VL ETF 464287705   478,347 3,828 SH   SOLE   0 0 3,828
ISHARES TR CORE US AGGBD ET 464287226   308,979 3,189 SH   SOLE   0 0 3,189
ISHARES TR SP SMCP600VL ETF 464287879   512,653 4,720 SH   SOLE   0 0 4,720
ISHARES TR NATIONAL MUN ETF 464288414   28,527,600 267,739 SH   SOLE   0 0 267,739
ISHARES TR S&P MC 400GR ETF 464287606   493,932 5,432 SH   SOLE   0 0 5,432
ISHARES TR U.S. ENERGY ETF 464287796   499,538 10,962 SH   SOLE   0 0 10,962
ISHARES TR ESG AWRE 1 5 YR 46435G243   500,979 20,283 SH   OTR   20,283 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   16,777,448 41,779 SH   SOLE   0 0 41,779
ISHARES TR ESG AWRE USD ETF 46435G193   316,081 13,912 SH   SOLE   737 0 13,175
ISHARES TR MSCI KLD400 SOC 464288570   1,816,810 16,479 SH   SOLE   6,100 0 10,379
ISHARES TR CORE S&P SCP ETF 464287804   85,954 746 SH   OTR   746 0 0
ISHARES TR S&P 500 GRWT ETF 464287309   1,887,443 18,590 SH   SOLE   0 0 18,590
ISHARES TR MSCI KLD400 SOC 464288570   672,525 6,100 SH   OTR   6,100 0 0
ISHARES TR CORE S&P SCP ETF 464287804   9,586,662 83,203 SH   SOLE   0 0 83,203
ISHARES TR ESG AW MSCI EAFE 46435G516   876,295 11,509 SH   SOLE   0 0 11,509
ISHARES TR ESG AWRE 1 5 YR 46435G243   583,315 23,616 SH   SOLE   2,422 0 21,194
ISHARES TR CORE S&P MCP ETF 464287507   1,536,983 24,667 SH   SOLE   0 0 24,667
ISHARES TR CORE MSCI EAFE 46432F842   1,602,525 22,802 SH   SOLE   0 0 22,802
ISHARES TR RUS MID CAP ETF 464287499   6,662,572 75,368 SH   SOLE   0 0 75,368
ISHARES TR MSCI EMG MKT ETF 464287234   331,382 7,924 SH   SOLE   0 0 7,924
ISHARES TR ESG AWRE USD ETF 46435G193   362,838 15,970 SH   OTR   15,970 0 0
ISHARES TR S&P SML 600 GWT 464287887   22,069,119 163,028 SH   SOLE   133 0 162,895
ISHARES TR EAFE GRWTH ETF 464288885   676,261 6,984 SH   SOLE   0 0 6,984
J P MORGAN EXCHANGE TRADED F ACTIVE GROWTH 46654Q609   1,193,642 14,731 SH   SOLE   0 0 14,731
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   8,195,940 179,657 SH   SOLE   0 0 179,657
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886   18,430,129 376,817 SH   SOLE   197 0 376,620
JOHN HANCOCK EXCHANGE TRADED MLTFCTR LRG CAP 47804J107   4,154,668 59,651 SH   SOLE   0 0 59,651
JOHNSON & JOHNSON COM 478160104   449,913 3,111 SH   SOLE   0 0 3,111
JPMORGAN CHASE & CO. COM 46625H100   1,645,901 6,866 SH   SOLE   0 0 6,866
KKR & CO INC COM 48251W104   665,595 4,500 SH   SOLE   0 0 4,500
LIBERTY BROADBAND CORP COM SER C 530307305   202,301 2,706 SH   SOLE   0 0 2,706
LULULEMON ATHLETICA INC COM 550021109   388,146 1,015 SH   SOLE   0 0 1,015
MANULIFE FINL CORP COM 56501R106   488,105 15,894 SH   SOLE   0 0 15,894
MASTERCARD INCORPORATED CL A 57636Q104   203,783 387 SH   SOLE   0 0 387
MCDONALDS CORP COM 580135101   550,211 1,898 SH   SOLE   0 0 1,898
MERCK & CO INC COM 58933Y105   347,484 3,493 SH   SOLE   0 0 3,493
META PLATFORMS INC CL A 30303M102   751,795 1,284 SH   SOLE   0 0 1,284
MICROSOFT CORP COM 594918104   9,770,346 23,180 SH   SOLE   0 0 23,180
NETFLIX INC COM 64110L106   558,858 627 SH   SOLE   0 0 627
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUNI 45409F843   7,015,874 294,290 SH   SOLE   0 0 294,290
NEW YORK LIFE INVTS ACTIVE E NYLI MACKAY MUN 45409F827   36,528,229 1,521,376 SH   SOLE   0 0 1,521,376
NEXTERA ENERGY INC COM 65339F101   265,038 3,697 SH   SOLE   0 0 3,697
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   229,848 5,488 SH   OTR   5,488 0 0
NUSHARES ETF TR NUVEEN ESG SMLCP 67092P607   329,360 7,864 SH   SOLE   1,489 0 6,375
NVIDIA CORPORATION COM 67066G104   1,035,242 7,709 SH   SOLE   0 0 7,709
NVR INC COM 62944T105   269,904 33 SH   SOLE   0 0 33
ORACLE CORP COM 68389X105   614,235 3,686 SH   SOLE   0 0 3,686
PACCAR INC COM 693718108   781,807 7,516 SH   SOLE   0 0 7,516
PARK-OHIO HLDGS CORP COM 700666100   454,629 17,306 SH   SOLE   0 0 17,306
PELOTON INTERACTIVE INC CL A COM 70614W100   87,000 10,000 SH   SOLE   0 0 10,000
PEPSICO INC COM 713448108   308,074 2,026 SH   SOLE   0 0 2,026
PNC FINL SVCS GROUP INC COM 693475105   2,139,165 11,092 SH   SOLE   0 0 11,092
PORCH GROUP INC COM 733245104   1,393,718 283,276 SH   SOLE   0 0 283,276
PROCTER AND GAMBLE CO COM 742718109   258,181 1,540 SH   SOLE   0 0 1,540
RAYMOND JAMES FINL INC COM 754730109   3,346,740 21,546 SH   SOLE   0 0 21,546
REMITLY GLOBAL INC COM 75960P104   1,668,555 73,928 SH   SOLE   0 0 73,928
ROCKET LAB USA INC COM 773122106   280,170 11,000 SH   SOLE   0 0 11,000
RTX CORPORATION COM 75513E101   305,269 2,638 SH   SOLE   0 0 2,638
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,241,332 48,002 SH   SOLE   0 0 48,002
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,529,607 94,991 SH   SOLE   0 0 94,991
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   2,306,923 124,699 SH   SOLE   0 0 124,699
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   34,696,187 1,496,816 SH   SOLE   0 0 1,496,816
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,959,646 190,243 SH   SOLE   0 0 190,243
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   7,980,455 287,999 SH   SOLE   0 0 287,999
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   592,255 26,091 SH   SOLE   0 0 26,091
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   42,530,552 1,526,033 SH   SOLE   2,392 0 1,523,641
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   223,815 2,957 SH   SOLE   0 0 2,957
SELECT SECTOR SPDR TR ENERGY 81369Y506   218,618 2,552 SH   SOLE   0 0 2,552
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   411,328 1,769 SH   SOLE   0 0 1,769
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   622,081 1,462 SH   SOLE   0 0 1,462
SPDR GOLD TR GOLD SHS 78463V107   1,754,958 7,248 SH   SOLE   0 0 7,248
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   50,074,255 1,467,162 SH   SOLE   1,192 0 1,465,970
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,976,114 5,078 SH   SOLE   0 0 5,078
SPDR SER TR BBG CONV SEC ETF 78464A359   249,793 3,207 SH   SOLE   0 0 3,207
SPDR SER TR S&P 400 MDCP GRW 78464A821   689,820 7,939 SH   SOLE   0 0 7,939
SPDR SER TR PORTFOLIO S&P500 78464A854   2,321,927 33,680 SH   SOLE   0 0 33,680
SPDR SER TR S&P 400 MDCP VAL 78464A839   272,279 3,395 SH   SOLE   0 0 3,395
THE BALDWIN INSURANCE GRP IN COM CL A 05589G102   317,832 8,200 SH   SOLE   0 0 8,200
TJX COS INC NEW COM 872540109   211,659 1,752 SH   SOLE   0 0 1,752
TRIMAS CORP COM NEW 896215209   454,276 18,474 SH   SOLE   0 0 18,474
UBER TECHNOLOGIES INC COM 90353T100   390,572 6,475 SH   SOLE   0 0 6,475
UNITED STATES STL CORP NEW COM 912909108   250,201 7,361 SH   SOLE   0 0 7,361
VANECK ETF TRUST GOLD MINERS ETF 92189F106   483,184 14,249 SH   SOLE   0 0 14,249
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   10,559,500 19,598 SH   SOLE   0 0 19,598
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   280,394 1,105 SH   SOLE   0 0 1,105
VANGUARD INDEX FDS SML CP GRW ETF 922908595   584,765 2,088 SH   SOLE   0 0 2,088
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   212,728 1,315 SH   SOLE   0 0 1,315
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   592,743 6,654 SH   SOLE   2,259 0 4,395
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   570,023 6,399 SH   OTR   6,399 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   223,062 1,126 SH   SOLE   0 0 1,126
VANGUARD INDEX FDS LARGE CAP ETF 922908637   221,424 821 SH   SOLE   0 0 821
VANGUARD INDEX FDS MID CAP ETF 922908629   374,800 1,419 SH   OTR   1,419 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   57,041,313 215,959 SH   SOLE   448 0 215,511
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,858,552 6,413 SH   SOLE   0 0 6,413
VANGUARD INDEX FDS SMALL CP ETF 922908751   554,086 2,306 SH   SOLE   0 0 2,306
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   254,344 2,165 SH   SOLE   0 0 2,165
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   5,553,452 110,781 SH   SOLE   0 0 110,781
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   923,399 8,939 SH   SOLE   0 0 8,939
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   272,675 3,356 SH   SOLE   0 0 3,356
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   423,580 2,163 SH   SOLE   0 0 2,163
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   8,168,617 170,820 SH   SOLE   0 0 170,820
VISA INC COM CL A 92826C839   980,040 3,101 SH   SOLE   0 0 3,101
WALMART INC COM 931142103   699,038 7,737 SH   SOLE   0 0 7,737
WARRIOR MET COAL INC COM 93627C101   216,960 4,000 SH   SOLE   0 0 4,000