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
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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   1,013,588 8,918 SH   SOLE 0 0 0 8,918
ABBVIE INC COM 00287Y109   1,780,904 9,780 SH   SOLE 0 0 0 9,780
ABRDN GOLD ETF TRUST PHYSCL GOLD SHS 00326A104   395,383 18,615 SH   SOLE 0 0 0 18,615
ADVANCED MICRO DEVICES INC COM 007903107   641,822 3,556 SH   SOLE 0 0 0 3,556
ALBERTSONS COS INC COMMON STOCK 013091103   232,238 10,832 SH   SOLE 0 0 0 10,832
ALLIANCEBERNSTEIN HLDG L P UNIT LTD PARTN 01881G106   480,798 13,840 SH   SOLE 0 0 0 13,840
ALLSTATE CORP COM 020002101   619,549 3,581 SH   SOLE 0 0 0 3,581
ALPHABET INC CAP STK CL C 02079K107   4,631,445 30,418 SH   SOLE 0 0 0 30,418
ALPHABET INC CAP STK CL A 02079K305   888,978 5,890 SH   SOLE 0 0 0 5,890
AMAZON COM INC COM 023135106   7,101,380 39,369 SH   SOLE 0 0 0 39,369
AMERICAN EXPRESS CO COM 025816109   242,945 1,067 SH   SOLE 0 0 0 1,067
AMGEN INC COM 031162100   412,601 1,451 SH   SOLE 0 0 0 1,451
AMPLIFY ETF TR AMPLIFY CYBERSEC 032108664   445,116 6,943 SH   SOLE 0 0 0 6,943
APPLE INC COM 037833100   28,204,981 164,480 SH   SOLE 0 0 0 164,480
AT&T INC COM 00206R102   666,024 37,842 SH   SOLE 0 0 0 37,842
BANK AMERICA CORP COM 060505104   377,434 9,953 SH   SOLE 0 0 0 9,953
BECTON DICKINSON & CO COM 075887109   235,820 953 SH   SOLE 0 0 0 953
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   5,459,191 12,982 SH   SOLE 0 0 0 12,982
BLACKSTONE INC COM 09260D107   262,740 2,000 SH   SOLE 0 0 0 2,000
CAPITAL ONE FINL CORP COM 14040H105   5,817,430 39,072 SH   SOLE 0 0 0 39,072
CATERPILLAR INC COM 149123101   529,858 1,446 SH   SOLE 0 0 0 1,446
CBOE GLOBAL MKTS INC COM 12503M108   377,198 2,053 SH   SOLE 0 0 0 2,053
CDW CORP COM 12514G108   285,311 1,115 SH   SOLE 0 0 0 1,115
CHEVRON CORP NEW COM 166764100   351,774 2,230 SH   SOLE 0 0 0 2,230
CISCO SYS INC COM 17275R102   427,382 8,563 SH   SOLE 0 0 0 8,563
COCA COLA CO COM 191216100   559,621 9,147 SH   SOLE 0 0 0 9,147
COSTCO WHSL CORP NEW COM 22160K105   2,317,054 3,163 SH   SOLE 0 0 0 3,163
CYBIN INC COM 23256X100   40,812 98,700 SH   SOLE 0 0 0 98,700
DANAHER CORPORATION COM 235851102   297,916 1,193 SH   SOLE 0 0 0 1,193
DEERE & CO COM 244199105   766,496 1,866 SH   SOLE 0 0 0 1,866
DISNEY WALT CO COM 254687106   869,776 7,108 SH   SOLE 0 0 0 7,108
DOMINION ENERGY INC COM 25746U109   204,975 4,167 SH   SOLE 0 0 0 4,167
EAGLE POINT CREDIT COMPANY I COM 269808101   101,100 10,000 SH   SOLE 0 0 0 10,000
EATON CORP PLC SHS G29183103   322,060 1,030 SH   SOLE 0 0 0 1,030
ECOLAB INC COM 278865100   233,209 1,010 SH   SOLE 0 0 0 1,010
EDWARDS LIFESCIENCES CORP COM 28176E108   225,139 2,356 SH   SOLE 0 0 0 2,356
ELI LILLY & CO COM 532457108   1,911,448 2,457 SH   SOLE 0 0 0 2,457
EMPIRE PETE CORP COM 292034303   87,350 17,094 SH   SOLE 0 0 0 17,094
EQUIFAX INC COM 294429105   267,520 1,000 SH   SOLE 0 0 0 1,000
EXXON MOBIL CORP COM 30231G102   1,190,396 10,241 SH   SOLE 0 0 0 10,241
FIFTH THIRD BANCORP COM 316773100   201,976 5,428 SH   SOLE 0 0 0 5,428
GENERAL ELECTRIC CO COM NEW 369604301   219,272 1,249 SH   SOLE 0 0 0 1,249
HERSHEY CO COM 427866108   291,750 1,500 SH   SOLE 0 0 0 1,500
HOME DEPOT INC COM 437076102   937,399 2,444 SH   SOLE 0 0 0 2,444
ILLINOIS TOOL WKS INC COM 452308109   232,105 865 SH   SOLE 0 0 0 865
INTEL CORP COM 458140100   266,127 6,025 SH   SOLE 0 0 0 6,025
INTERNATIONAL BUSINESS MACHS COM 459200101   402,926 2,110 SH   SOLE 0 0 0 2,110
INVESCO QQQ TR UNIT SER 1 46090E103   8,391,918 18,900 SH   SOLE 0 0 0 18,900
ISHARES GOLD TR ISHARES NEW 464285204   2,155,617 51,312 SH   SOLE 0 0 0 51,312
ISHARES TR RUS 1000 VAL ETF 464287598   39,045,738 217,999 SH   SOLE 0 0 0 217,999
ISHARES TR CORE S&P SCP ETF 464287804   402,182 3,639 SH   SOLE 0 0 0 3,639
ISHARES TR CORE S&P US VLU 464287663   34,234,159 378,529 SH   SOLE 0 0 0 378,529
ISHARES TR RUS 1000 ETF 464287622   4,311,233 14,968 SH   SOLE 0 0 0 14,968
ISHARES TR RUS MID CAP ETF 464287499   5,403,119 64,254 SH   SOLE 0 0 0 64,254
ISHARES TR RUS 1000 GRW ETF 464287614   45,584,703 135,246 SH   SOLE 0 0 0 135,246
ISHARES TR CORE S&P MCP ETF 464287507   37,654,175 619,924 SH   SOLE 0 0 0 619,924
ISHARES TR RUS MD CP GR ETF 464287481   1,897,578 16,625 SH   SOLE 0 0 0 16,625
ISHARES TR CORE S&P500 ETF 464287200   18,262,928 34,738 SH   SOLE 0 0 0 34,738
ISHARES TR MSCI INDIA ETF 46429B598   244,175 4,733 SH   SOLE 0 0 0 4,733
JOHNSON & JOHNSON COM 478160104   854,701 5,403 SH   SOLE 0 0 0 5,403
JPMORGAN CHASE & CO COM 46625H100   922,382 4,605 SH   SOLE 0 0 0 4,605
MARATHON PETE CORP COM 56585A102   201,500 1,000 SH   SOLE 0 0 0 1,000
MASTERCARD INCORPORATED CL A 57636Q104   316,391 657 SH   SOLE 0 0 0 657
MCDONALDS CORP COM 580135101   2,297,648 8,149 SH   SOLE 0 0 0 8,149
MERCK & CO INC COM 58933Y105   825,653 6,257 SH   SOLE 0 0 0 6,257
META PLATFORMS INC CL A 30303M102   2,060,113 4,243 SH   SOLE 0 0 0 4,243
MICRON TECHNOLOGY INC COM 595112103   285,689 2,423 SH   SOLE 0 0 0 2,423
MICROSOFT CORP COM 594918104   12,899,361 30,660 SH   SOLE 0 0 0 30,660
MODERNA INC COM 60770K107   220,579 2,070 SH   SOLE 0 0 0 2,070
NETFLIX INC COM 64110L106   634,660 1,045 SH   SOLE 0 0 0 1,045
NOVO-NORDISK A S ADR 670100205   211,988 1,651 SH   SOLE 0 0 0 1,651
NVIDIA CORPORATION COM 67066G104   5,896,093 6,525 SH   SOLE 0 0 0 6,525
ORACLE CORP COM 68389X105   2,065,027 16,440 SH   SOLE 0 0 0 16,440
PEPSICO INC COM 713448108   1,163,503 6,648 SH   SOLE 0 0 0 6,648
PFIZER INC COM 717081103   760,605 27,409 SH   SOLE 0 0 0 27,409
PNC FINL SVCS GROUP INC COM 693475105   222,200 1,375 SH   SOLE 0 0 0 1,375
PROCTER AND GAMBLE CO COM 742718109   444,403 2,739 SH   SOLE 0 0 0 2,739
QUALCOMM INC COM 747525103   508,981 3,006 SH   SOLE 0 0 0 3,006
SALESFORCE INC COM 79466L302   330,696 1,098 SH   SOLE 0 0 0 1,098
SANDY SPRING BANCORP INC COM 800363103   317,543 13,699 SH   SOLE 0 0 0 13,699
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   19,031,378 534,439 SH   SOLE 0 0 0 534,439
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   43,755,565 471,911 SH   SOLE 0 0 0 471,911
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   28,769,022 356,803 SH   SOLE 0 0 0 356,803
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   9,566,804 117,485 SH   SOLE 0 0 0 117,485
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   4,105,959 54,040 SH   SOLE 0 0 0 54,040
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   486,941 2,648 SH   SOLE 0 0 0 2,648
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   275,983 1,325 SH   SOLE 0 0 0 1,325
SHOPIFY INC CL A 82509L107   541,965 7,023 SH   SOLE 0 0 0 7,023
SOUTHERN CO COM 842587107   237,388 3,309 SH   SOLE 0 0 0 3,309
SPDR GOLD TR GOLD SHS 78463V107   1,640,823 7,976 SH   SOLE 0 0 0 7,976
SPDR S&P 500 ETF TR TR UNIT 78462F103   12,333,288 23,579 SH   SOLE 0 0 0 23,579
SPDR SER TR S&P DIVID ETF 78464A763   443,468 3,379 SH   SOLE 0 0 0 3,379
SPROTT PHYSICAL GOLD TR UNIT 85207H104   301,626 17,435 SH   SOLE 0 0 0 17,435
SPROTT PHYSICAL SILVER TR TR UNIT 85207K107   670,006 80,821 SH   SOLE 0 0 0 80,821
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   202,442 1,488 SH   SOLE 0 0 0 1,488
TESLA INC COM 88160R101   1,761,592 10,021 SH   SOLE 0 0 0 10,021
THE LION ELECTRIC COMPANY COMMON STOCK 536221104   15,506 10,920 SH   SOLE 0 0 0 10,920
VANECK ETF TRUST PHARMACEUTCL ETF 92189F692   271,647 2,995 SH   SOLE 0 0 0 2,995
VANGUARD INDEX FDS VALUE ETF 922908744   68,136,844 418,377 SH   SOLE 0 0 0 418,377
VANGUARD INDEX FDS MID CAP ETF 922908629   63,972,808 256,035 SH   SOLE 0 0 0 256,035
VANGUARD INDEX FDS SMALL CP ETF 922908751   4,145,746 18,136 SH   SOLE 0 0 0 18,136
VANGUARD INDEX FDS TOTAL STK MKT 922908769   64,877,511 249,625 SH   SOLE 0 0 0 249,625
VANGUARD INDEX FDS GROWTH ETF 922908736   54,875,544 159,429 SH   SOLE 0 0 0 159,429
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   53,490,204 111,276 SH   SOLE 0 0 0 111,276
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   2,069,809 8,685 SH   SOLE 0 0 0 8,685
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   50,464,956 582,266 SH   SOLE 0 0 0 582,266
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,277,540 6,996 SH   SOLE 0 0 0 6,996
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   13,131,998 261,750 SH   SOLE 0 0 0 261,750
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   204,594 1,691 SH   SOLE 0 0 0 1,691
VANGUARD WORLD FD INF TECH ETF 92204A702   260,073 496 SH   SOLE 0 0 0 496
VERIZON COMMUNICATIONS INC COM 92343V104   343,995 8,198 SH   SOLE 0 0 0 8,198
VISA INC COM CL A 92826C839   550,377 1,972 SH   SOLE 0 0 0 1,972
WALMART INC COM 931142103   258,189 4,291 SH   SOLE 0 0 0 4,291
WISDOMTREE TR US LARGECAP DIVD 97717W307   3,227,615 44,710 SH   SOLE 0 0 0 44,710
WISDOMTREE TR US AI ENHANCED 97717W406   583,199 5,730 SH   SOLE 0 0 0 5,730