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   21,022,202 301,264 SH   SOLE --- 195,462 0 105,802
VANGUARD INDEX FDS TOTAL STK MKT 922908769   40,363,423 190,026 SH   SOLE --- 189,773 0 253
VANGUARD STAR FDS VG TL INTL STK F 921909768   2,343,587 43,789 SH   SOLE --- 39,620 0 4,169
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   6,770,938 90,075 SH   SOLE --- 90,075 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   3,777,330 52,238 SH   SOLE --- 47,147 0 5,091
ISHARES TR BLACKROCK ULTRA 46434V878   1,107,101 21,975 SH   SOLE --- 21,975 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   3,552,658 34,385 SH   SOLE --- 29,430 0 4,955
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   2,930,463 38,732 SH   SOLE --- 24,219 0 14,513
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,554,662 167,280 SH   SOLE --- 92,192 0 75,088
ISHARES TR RUSSELL 2000 ETF 464287655   3,789,836 21,443 SH   SOLE --- 11,214 0 10,229
ISHARES TR ESG AWR MSCI USA 46435G425   7,461,056 79,449 SH   SOLE --- 33,874 0 45,575
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,144,835 26,732 SH   SOLE --- 11,440 0 15,292
ISHARES TR IBOXX HI YD ETF 464288513   19,901,304 269,958 SH   SOLE --- 251,857 0 18,101
SPDR SER TR BLOOMBERG HIGH Y 78468R622   1,165,527 12,893 SH   SOLE --- 11,050 0 1,843
PROLOGIS INC. COM 74340W103   2,359,103 21,024 SH   SOLE --- 19,928 0 1,096
LAM RESEARCH CORP COM 512807108   1,536,840 2,452 SH   SOLE --- 2,161 0 291
HONEYWELL INTL INC COM 438516106   1,415,293 7,661 SH   SOLE --- 6,901 0 760
BLACKROCK INC COM 09247X101   1,631,741 2,524 SH   SOLE --- 2,304 0 220
NEXTERA ENERGY INC COM 65339F101   1,175,992 20,527 SH   SOLE --- 18,812 0 1,715
DUPONT DE NEMOURS INC COM 26614N102   1,316,812 17,654 SH   SOLE --- 15,724 0 1,930
THERMO FISHER SCIENTIFIC INC COM 883556102   1,653,151 3,266 SH   SOLE --- 2,891 0 375
MICROSOFT CORP COM 594918104   4,974,957 15,756 SH   SOLE --- 12,708 0 3,048
APPLIED MATLS INC COM 038222105   910,447 6,576 SH   SOLE --- 5,157 0 1,419
AMETEK INC COM 031100100   666,693 4,512 SH   SOLE --- 3,508 0 1,004
L3HARRIS TECHNOLOGIES INC COM 502431109   910,125 5,227 SH   SOLE --- 4,668 0 559
MORGAN STANLEY COM NEW 617446448   1,634,625 20,015 SH   SOLE --- 18,219 0 1,796
EOG RES INC COM 26875P101   726,335 5,730 SH   SOLE --- 4,446 0 1,284
BROADCOM INC COM 11135F101   1,985,086 2,390 SH   SOLE --- 2,039 0 351
T-MOBILE US INC COM 872590104   630,505 4,502 SH   SOLE --- 3,482 0 1,020
EQUINIX INC COM 29444U700   1,180,899 1,626 SH   SOLE --- 1,476 0 150
VISA INC COM CL A 92826C839   1,076,447 4,680 SH   SOLE --- 3,625 0 1,055
FMC CORP COM NEW 302491303   758,301 11,323 SH   SOLE --- 10,307 0 1,016
MASTERCARD INCORPORATED CL A 57636Q104   1,146,555 2,896 SH   SOLE --- 2,245 0 651
PHILIP MORRIS INTL INC COM 718172109   1,580,063 17,067 SH   SOLE --- 15,388 0 1,679
COSTCO WHSL CORP NEW COM 22160K105   1,049,696 1,858 SH   SOLE --- 1,447 0 411
NORTHROP GRUMMAN CORP COM 666807102   505,778 1,149 SH   SOLE --- 898 0 251
LKQ CORP COM 501889208   603,576 12,191 SH   SOLE --- 9,443 0 2,748
ABBOTT LABS COM 002824100   1,417,206 14,633 SH   SOLE --- 13,147 0 1,486
AMAZON COM INC COM 023135106   2,223,075 17,488 SH   SOLE --- 13,616 0 3,872
CONSTELLATION BRANDS INC CL A 21036P108   581,075 2,312 SH   SOLE --- 1,791 0 521
UNITEDHEALTH GROUP INC COM 91324P102   1,182,830 2,346 SH   SOLE --- 1,823 0 523
ALPHABET INC CAP STK CL C 02079K107   1,735,805 13,165 SH   SOLE --- 10,832 0 2,333
KEYSIGHT TECHNOLOGIES INC COM 49338L103   440,592 3,330 SH   SOLE --- 2,591 0 739
BOSTON SCIENTIFIC CORP COM 101137107   768,715 14,559 SH   SOLE --- 11,284 0 3,275
SEMPRA COM 816851109   413,010 6,071 SH   SOLE --- 4,862 0 1,209
AMERIPRISE FINL INC COM 03076C106   1,278,829 3,879 SH   SOLE --- 3,414 0 465
HUMANA INC COM 444859102   576,040 1,184 SH   SOLE --- 926 0 258
ALPHABET INC CAP STK CL A 02079K305   1,550,822 11,851 SH   SOLE --- 9,499 0 2,352
QUANTA SVCS INC COM 74762E102   765,303 4,091 SH   SOLE --- 3,160 0 931
SALESFORCE INC COM 79466L302   1,048,373 5,170 SH   SOLE --- 4,038 0 1,132
VERTEX PHARMACEUTICALS INC COM 92532F100   725,733 2,087 SH   SOLE --- 1,620 0 467
APPLE INC COM 037833100   5,040,855 28,967 SH   SOLE --- 22,961 0 6,006
CONOCOPHILLIPS COM 20825C104   987,991 8,247 SH   SOLE --- 6,459 0 1,788
WALMART INC COM 931142103   870,339 5,442 SH   SOLE --- 4,214 0 1,228
MERCK & CO INC COM 58933Y105   1,967,066 19,107 SH   SOLE --- 17,068 0 2,039
GALLAGHER ARTHUR J & CO COM 363576109   776,330 3,406 SH   SOLE --- 2,649 0 757
INCYTE CORP COM 45337C102   383,651 6,641 SH   SOLE --- 5,198 0 1,443
ELECTRONIC ARTS INC COM 285512109   1,174,141 9,752 SH   SOLE --- 8,771 0 981
PIONEER NAT RES CO COM 723787107   643,658 2,804 SH   SOLE --- 2,191 0 613
BECTON DICKINSON & CO COM 075887109   1,525,844 5,902 SH   SOLE --- 5,249 0 653
JACOBS SOLUTIONS INC COM 46982L108   1,212,530 8,883 SH   SOLE --- 7,959 0 924
SYSCO CORP COM 871829107   414,266 6,272 SH   SOLE --- 4,829 0 1,443
CHIPOTLE MEXICAN GRILL INC COM 169656105   611,831 334 SH   SOLE --- 258 0 76
CITIGROUP INC COM NEW 172967424   1,207,700 29,363 SH   SOLE --- 26,689 0 2,674
NETFLIX INC COM 64110L106   387,795 1,027 SH   SOLE --- 809 0 218
DISNEY WALT CO COM 254687106   424,135 5,233 SH   SOLE --- 4,054 0 1,179
JPMORGAN CHASE & CO COM 46625H100   2,911,277 20,075 SH   SOLE --- 18,494 0 1,581
BOOKING HOLDINGS INC COM 09857L108   1,020,787 331 SH   SOLE --- 259 0 72
TESLA INC COM 88160R101   429,378 1,716 SH   SOLE --- 1,360 0 356
DELTA AIR LINES INC DEL COM NEW 247361702   512,080 13,840 SH   SOLE --- 10,871 0 2,969
STARBUCKS CORP COM 855244109   1,529,174 7,164 SH   SOLE --- 5,580 0 1,584
EMERSON ELEC CO COM 291011104   1,462,649 15,146 SH   SOLE --- 13,449 0 1,697
CISCO SYS INC COM 17275R102   1,882,675 35,020 SH   SOLE --- 31,859 0 3,161
QUALCOMM INC COM 747525103   1,175,903 10,588 SH   SOLE --- 9,443 0 1,145
LABORATORY CORP AMER HLDGS COM NEW 50540R409   534,793 2,660 SH   SOLE --- 2,052 0 608
RTX CORPORATION COM 75513E101   766,049 10,644 SH   SOLE --- 10,644 0 0
MARATHON PETE CORP COM 56585A102   1,009,740 6,672 SH   SOLE --- 6,672 0 0
VALERO ENERGY CORP COM 91913Y100   1,043,269 7,362 SH   SOLE --- 7,362 0 0
ARCHER DANIELS MIDLAND CO COM 039483102   693,692 8,915 SH   SOLE --- 8,915 0 0
CHEVRON CORP NEW COM 166764100   1,531,575 9,083 SH   SOLE --- 9,083 0 0
FIDELITY NATIONAL FINANCIAL FNF GROUP COM 31620R303   603,434 14,611 SH   SOLE --- 14,611 0 0
COCA COLA CO COM 191216100   816,293 13,453 SH   SOLE --- 13,453 0 0
EASTMAN CHEM CO COM 277432100   481,341 6,274 SH   SOLE --- 6,274 0 0
ELEVANCE HEALTH INC COM 036752103   668,370 1,535 SH   SOLE --- 1,535 0 0
BANK AMERICA CORP COM 060505104   1,085,754 39,655 SH   SOLE --- 39,655 0 0
COMCAST CORP NEW CL A 20030N101   1,015,696 22,907 SH   SOLE --- 22,907 0 0
ABBVIE INC COM 00287Y109   569,856 3,823 SH   SOLE --- 3,823 0 0
F N B CORP COM 302520101   612,980 56,810 SH   SOLE --- 56,810 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   415,820 12,830 SH   SOLE --- 12,830 0 0
PROCTER AND GAMBLE CO COM 742718109   1,255,709 8,609 SH   SOLE --- 8,609 0 0
MEDTRONIC PLC SHS G5960L103   587,622 7,499 SH   SOLE --- 7,499 0 0
HARTFORD FINL SVCS GROUP INC COM 416515104   671,092 9,464 SH   SOLE --- 9,464 0 0
IRON MTN INC DEL COM 46284V101   746,335 12,554 SH   SOLE --- 12,554 0 0
DOVER CORP COM 260003108   564,039 4,043 SH   SOLE --- 4,043 0 0
WILLIAMS COS INC COM 969457100   688,152 20,426 SH   SOLE --- 20,426 0 0
AMERICAN ELEC PWR CO INC COM 025537101   547,677 7,281 SH   SOLE --- 7,281 0 0
WELLS FARGO CO NEW COM 949746101   949,382 23,235 SH   SOLE --- 23,235 0 0
CVS HEALTH CORP COM 126650100   638,644 9,147 SH   SOLE --- 9,147 0 0
THE CIGNA GROUP COM 125523100   899,404 3,144 SH   SOLE --- 3,144 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   710,003 12,233 SH   SOLE --- 12,233 0 0
LAMB WESTON HLDGS INC COM 513272104   493,367 5,336 SH   SOLE --- 5,336 0 0
SS&C TECHNOLOGIES HLDGS INC COM 78467J100   481,687 9,168 SH   SOLE --- 9,168 0 0
CORNING INC COM 219350105   617,414 20,263 SH   SOLE --- 20,263 0 0
ENCOMPASS HEALTH CORP COM 29261A100   676,368 10,071 SH   SOLE --- 10,071 0 0
DECKERS OUTDOOR CORP COM 243537107   600,971 1,169 SH   SOLE --- 1,169 0 0
CRANE NXT CO COM 224441105   525,081 9,449 SH   SOLE --- 9,449 0 0
ITT INC COM 45073V108   548,296 5,600 SH   SOLE --- 5,600 0 0
S&P GLOBAL INC COM 78409V104   686,605 1,879 SH   SOLE --- 1,879 0 0
LENNAR CORP CL A 526057104   640,272 5,705 SH   SOLE --- 5,705 0 0
BORGWARNER INC COM 099724106   540,151 13,380 SH   SOLE --- 13,380 0 0
CLEARWAY ENERGY INC CL C 18539C204   686,642 32,450 SH   SOLE --- 32,270 0 180
GENERAL DYNAMICS CORP COM 369550108   687,880 3,113 SH   SOLE --- 3,113 0 0
DEERE & CO COM 244199105   840,138 1,467 SH   SOLE --- 1,467 0 0
MCDONALDS CORP COM 580135101   777,411 2,951 SH   SOLE --- 2,951 0 0
DIGITAL RLTY TR INC COM 253868103   1,106,123 9,140 SH   SOLE --- 9,140 0 0
TOTALENERGIES SE SPONSORED ADS 89151E109   261,988 3,984 SH   SOLE --- 3,984 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210   303,160 515 SH   SOLE --- 515 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108   266,275 3,932 SH   SOLE --- 3,932 0 0
SANOFI SPONSORED ADR 80105N105   270,936 5,051 SH   SOLE --- 5,051 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   203,438 3,376 SH   SOLE --- 3,376 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   376,103 4,328 SH   SOLE --- 4,328 0 0
ING GROEP N.V. SPONSORED ADR 456837103   154,048 11,688 SH   SOLE --- 11,688 0 0
SAP SE SPON ADR 803054204   224,758 1,738 SH   SOLE --- 1,738 0 0
BP PLC SPONSORED ADR 055622104   226,164 5,841 SH   SOLE --- 5,841 0 0
SUMITOMO MITSUI FINL GROUP I SPONSORED ADR 86562M209   186,342 18,918 SH   SOLE --- 18,918 0 0
TOYOTA MOTOR CORP ADS 892331307   258,660 1,439 SH   SOLE --- 1,439 0 0
NOVARTIS AG SPONSORED ADR 66987V109   318,822 3,130 SH   SOLE --- 3,130 0 0
ROYAL BK CDA COM 780087102   222,447 2,544 SH   SOLE --- 2,544 0 0
NOVO-NORDISK A S ADR 670100205   261,543 2,876 SH   SOLE --- 2,876 0 0
SHELL PLC SPON ADS 780259305   349,455 5,428 SH   SOLE --- 5,428 0 0
BHP GROUP LTD SPONSORED ADS 088606108   223,083 3,922 SH   SOLE --- 3,922 0 0
LLOYDS BANKING GROUP PLC SPONSORED ADR 539439109   105,039 49,314 SH   SOLE --- 49,314 0 0
ENPRO INDS INC COM 29355X107   220,808 1,822 SH   SOLE --- 1,776 0 46
ONTO INNOVATION INC COM 683344105   270,597 2,122 SH   SOLE --- 2,069 0 53
FABRINET SHS G3323L100   256,928 1,542 SH   SOLE --- 1,500 0 42
ENSIGN GROUP INC COM 29358P101   200,914 2,162 SH   SOLE --- 2,107 0 55
ARCOSA INC COM 039653100   209,589 2,915 SH   SOLE --- 2,841 0 74
SPS COMM INC COM 78463M107   242,437 1,421 SH   SOLE --- 1,385 0 36
VIAVI SOLUTIONS INC COM 925550105   135,729 14,850 SH   SOLE --- 14,490 0 360
OUTFRONT MEDIA INC COM 69007J106   138,673 13,730 SH   SOLE --- 13,546 0 184
CONMED CORP COM 207410101   217,231 2,154 SH   SOLE --- 2,103 0 51
TALOS ENERGY INC COM 87484T108   166,866 10,150 SH   SOLE --- 9,894 0 256
SPDR SER TR S&P BIOTECH 78464A870   870,690 11,924 SH   SOLE --- 11,619 0 305
CIVITAS RESOURCES INC COM NEW 17888H103   251,182 3,106 SH   SOLE --- 3,027 0 79
TEREX CORP NEW COM 880779103   205,819 3,572 SH   SOLE --- 3,482 0 90
ADEIA INC COM 00676P107   178,719 16,734 SH   SOLE --- 16,316 0 418
REDWOOD TRUST INC COM 758075402   208,096 29,186 SH   SOLE --- 28,419 0 767
MAGNITE INC COM 55955D100   90,427 11,993 SH   SOLE --- 11,676 0 317
HERITAGE CRYSTAL CLEAN INC COM 42726M106   225,208 4,966 SH   SOLE --- 4,841 0 125
NERDWALLET INC COM CL A 64082B102   111,081 12,495 SH   SOLE --- 12,162 0 333
ARCBEST CORP COM 03937C105   206,451 2,031 SH   SOLE --- 1,980 0 51
GOOSEHEAD INS INC COM CL A 38267D109   274,941 3,689 SH   SOLE --- 3,600 0 89
SPDR SER TR S&P REGL BKG 78464A698   1,012,129 24,231 SH   SOLE --- 23,609 0 622
VIZIO HLDG CORP CL A COM 92858V101   148,239 27,401 SH   SOLE --- 26,680 0 721
TERRENO RLTY CORP COM 88146M101   204,082 3,593 SH   SOLE --- 3,499 0 94
PAYONEER GLOBAL INC COM 70451X104   231,348 37,802 SH   SOLE --- 36,812 0 990
CHAMPIONX CORPORATION COM 15872M104   201,253 5,650 SH   SOLE --- 5,502 0 148
PATTERSON-UTI ENERGY INC COM 703481101   180,586 13,048 SH   SOLE --- 12,713 0 335
CROWN CASTLE INC COM 22822V101   244,892 2,661 SH   SOLE --- 2,661 0 0
VICI PPTYS INC COM 925652109   297,257 10,215 SH   SOLE --- 10,215 0 0
AMERICAN HOMES 4 RENT CL A 02665T306   212,079 6,295 SH   SOLE --- 6,295 0 0
SUN CMNTYS INC COM 866674104   222,598 1,881 SH   SOLE --- 1,881 0 0
GAMING & LEISURE PPTYS INC COM 36467J108   229,526 5,039 SH   SOLE --- 5,039 0 0
AMERICAN TOWER CORP NEW COM 03027X100   834,419 5,074 SH   SOLE --- 5,074 0 0
REALTY INCOME CORP COM 756109104   318,018 6,368 SH   SOLE --- 6,368 0 0
CBRE GROUP INC CL A 12504L109   325,649 4,409 SH   SOLE --- 4,409 0 0
VENTAS INC COM 92276F100   208,838 4,957 SH   SOLE --- 4,957 0 0
WELLTOWER INC COM 95040Q104   380,600 4,646 SH   SOLE --- 4,646 0 0
SIMON PPTY GROUP INC NEW COM 828806109   356,175 3,297 SH   SOLE --- 3,297 0 0
HOST HOTELS & RESORTS INC COM 44107P104   176,320 10,972 SH   SOLE --- 10,972 0 0
WEYERHAEUSER CO MTN BE COM NEW 962166104   272,230 8,879 SH   SOLE --- 8,879 0 0
INDEPENDENCE RLTY TR INC COM 45378A106   150,788 10,717 SH   SOLE --- 10,717 0 0
MID-AMER APT CMNTYS INC COM 59522J103   203,267 1,580 SH   SOLE --- 1,580 0 0
PUBLIC STORAGE COM 74460D109   533,364 2,024 SH   SOLE --- 2,024 0 0
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   354,414 11,802 SH   SOLE --- 11,802 0 0
CATERPILLAR INC COM 149123101   291,924 390 SH   SOLE --- 390 0 0
NIKE INC CL B 654106103   611,356 0 SH   SOLE --- 0 0 0
ISHARES TR CORE US AGGBD ET 464287226   366,098 3,893 SH   SOLE --- 0 0 3,893
VANGUARD BD INDEX FDS LONG TERM BOND 921937793   1,018,641 15,190 SH   SOLE --- 15,190 0 0
ISHARES TR TIPS BD ETF 464287176   387,083 3,732 SH   SOLE --- 3,732 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   368,934 8,427 SH   SOLE --- 8,427 0 0
ISHARES TR CORE S&P500 ETF 464287200   1,576,008 3,670 SH   SOLE --- 3,670 0 0
ISHARES TR PFD AND INCM SEC 464288687   211,743 7,023 SH   SOLE --- 7,023 0 0
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   1,601,726 38,200 SH   SOLE --- 38,200 0 0
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   1,259,400 60,000 SH   SOLE --- 60,000 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   258,243 5,462 SH   SOLE --- 5,462 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506   321,336 3,555 SH   SOLE --- 3,555 0 0