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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DEUTSCHE BANK A G NAMEN AKT D18190898 177 13,966 SH   SOLE   0 0 13,966
TRITON INTL LTD CL A G9078F107 3,332 47,472 SH   SOLE   0 0 47,472
UBS GROUP AG SHS H42097107 215 10,978 SH   SOLE   0 0 10,978
ASML HOLDING N V N Y REGISTRY SHS N07059210 497 744 SH   SOLE   0 0 744
NXP SEMICONDUCTORS N V COM N6596X109 232 1,250 SH   SOLE   0 0 1,250
DANAOS CORPORATION SHS Y1968P121 581 5,661 SH   SOLE   0 0 5,661
DIANA SHIPPING INC COM Y2066G104 178 32,910 SH   SOLE   0 0 32,910
ABB LTD SPONSORED ADR 000375204 227 7,006 SH   SOLE   0 0 7,006
AFLAC INC COM 001055102 1,127 17,503 SH   SOLE   0 0 17,503
AT&T INC COM 00206R102 2,597 109,920 SH   SOLE   0 0 109,920
ABBVIE INC COM 00287Y109 3,373 20,804 SH   SOLE   0 0 20,804
AEGON N V NY REGISTRY SHS 007924103 176 33,343 SH   SOLE   0 0 33,343
ALASKA AIR GROUP INC COM 011659109 414 7,132 SH   SOLE   0 0 7,132
ALBEMARLE CORP COM 012653101 1,509 6,815 SH   SOLE   0 0 6,815
ALPHABET INC CAP STK CL C 02079K107 1,257 450 SH   SOLE   0 0 450
ALPHABET INC CAP STK CL A 02079K305 345 124 SH   SOLE   0 0 124
ALTRIA GROUP INC COM 02209S103 4,042 77,356 SH   SOLE   0 0 77,356
AMAZON COM INC COM 023135106 747 229 SH   SOLE   0 0 229
AMERICA MOVIL SAB DE CV SPON ADR L SHS 02364W105 219 10,360 SH   SOLE   0 0 10,360
AMERICAN WTR WKS CO INC NEW COM 030420103 4,309 26,034 SH   SOLE   0 0 26,034
AMGEN INC COM 031162100 373 1,542 SH   SOLE   0 0 1,542
APA CORPORATION COM 03743Q108 1,400 33,870 SH   SOLE   0 0 33,870
APPLE INC COM 037833100 3,867 22,149 SH   SOLE   0 0 22,149
ARCELORMITTAL SA LUXEMBOURG NY REGISTRY SH 03938L203 256 7,983 SH   SOLE   0 0 7,983
BANCO BILBAO VIZCAYA ARGENTA SPONSORED ADR 05946K101 214 37,687 SH   SOLE   0 0 37,687
BK OF AMERICA CORP COM 060505104 3,547 86,043 SH   SOLE   0 0 86,043
BARCLAYS PLC ADR 06738E204 130 16,221 SH   SOLE   0 0 16,221
BELDEN INC COM 077454106 1,149 20,728 SH   SOLE   0 0 20,728
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 222 629 SH   SOLE   0 0 629
BICYCLE THERAPEUTICS PLC SPONSORED ADS 088786108 241 5,502 SH   SOLE   0 0 5,502
BOEING CO COM 097023105 201 1,048 SH   SOLE   0 0 1,048
BRASKEM S A SP ADR PFD A 105532105 590 2,200 SH   SOLE   0 0 2,200
BROWN & BROWN INC COM 115236101 1,345 18,606 SH   SOLE   0 0 18,606
COTERRA ENERGY INC COM 127097103 1,540 57,107 SH   SOLE   0 0 57,107
CHEVRON CORP NEW COM 166764100 751 4,614 SH   SOLE   0 0 4,614
CISCO SYS INC COM 17275R102 4,107 73,652 SH   SOLE   0 0 73,652
COCA COLA CO COM 191216100 4,458 71,667 SH   SOLE   0 0 71,667
DEVON ENERGY CORP NEW COM 25179M103 1,830 30,945 SH   SOLE   0 0 30,945
DIAGEO PLC SPON ADR NEW 25243Q205 250 1,232 SH   SOLE   0 0 1,232
DISNEY WALT CO COM 254687106 253 1,843 SH   SOLE   0 0 1,843
DOW INC COM 260557103 379 5,944 SH   SOLE   0 0 5,944
DUKE ENERGY CORP NEW COM NEW 26441C204 264 2,367 SH   SOLE   0 0 2,367
ENI S P A SPONSORED ADR 26874R108 223 7,609 SH   SOLE   0 0 7,609
EMBRAER S.A. SPONSORED ADS 29082A107 244 19,320 SH   SOLE   0 0 19,320
EQUINOR ASA SPONSORED ADR 29446M102 267 7,124 SH   SOLE   0 0 7,124
EXELON CORP COM 30161N101 1,012 21,239 SH   SOLE   0 0 21,239
EXXON MOBIL CORP COM 30231G102 4,235 51,274 SH   SOLE   0 0 51,274
F N B CORP COM 302520101 128 10,320 SH   SOLE   0 0 10,320
META PLATFORMS INC CL A 30303M102 225 1,012 SH   SOLE   0 0 1,012
FIFTH THIRD BANCORP COM 316773100 256 5,946 SH   SOLE   0 0 5,946
FIRST TR EXCHANGE-TRADED FD FIRST TR ENH NEW 33739Q408 7,958 133,646 SH   SOLE   0 0 133,646
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 2,888 58,259 SH   SOLE   0 0 58,259
FORD MTR CO DEL COM 345370860 1,200 70,977 SH   SOLE   0 0 70,977
FORTINET INC COM 34959E109 1,095 3,204 SH   SOLE   0 0 3,204
GENERAL MLS INC COM 370334104 2,980 43,998 SH   SOLE   0 0 43,998
ICICI BANK LIMITED ADR 45104G104 264 13,927 SH   SOLE   0 0 13,927
ING GROEP N.V. SPONSORED ADR 456837103 166 15,916 SH   SOLE   0 0 15,916
INTEL CORP COM 458140100 438 8,843 SH   SOLE   0 0 8,843
INTERNATIONAL BUSINESS MACHS COM 459200101 3,645 28,038 SH   SOLE   0 0 28,038
INVESCO QQQ TR UNIT SER 1 46090E103 318 877 SH   SOLE   0 0 877
INVESCO EXCH TRADED FD TR II S&P500 HDL VOL 46138E362 10,220 216,478 SH   SOLE   0 0 216,478
ISHARES TR CORE S&P500 ETF 464287200 1,566 3,452 SH   SOLE   0 0 3,452
ISHARES TR CORE US AGGBD ET 464287226 5,849 54,617 SH   SOLE   0 0 54,617
ISHARES TR IBOXX HI YD ETF 464288513 5,638 68,508 SH   SOLE   0 0 68,508
ISHARES TR PFD AND INCM SEC 464288687 1,309 35,945 SH   SOLE   0 0 35,945
ISHARES TR 0-5YR HI YL CP 46434V407 701 15,947 SH   SOLE   0 0 15,947
ISHARES TR CORE INTL AGGR 46435G672 3,255 62,447 SH   SOLE   0 0 62,447
JPMORGAN CHASE & CO COM 46625H100 229 1,679 SH   SOLE   0 0 1,679
J P MORGAN EXCHANGE-TRADED F ULTRA SHRT INC 46641Q837 793 15,776 SH   SOLE   0 0 15,776
JOHNSON & JOHNSON COM 478160104 230 1,295 SH   SOLE   0 0 1,295
KLA CORP COM NEW 482480100 1,795 4,904 SH   SOLE   0 0 4,904
KEYSIGHT TECHNOLOGIES INC COM 49338L103 1,475 9,335 SH   SOLE   0 0 9,335
KINSALE CAP GROUP INC COM 49714P108 1,129 4,950 SH   SOLE   0 0 4,950
LAUDER ESTEE COS INC CL A 518439104 1,114 4,090 SH   SOLE   0 0 4,090
LIFE STORAGE INC COM 53223X107 1,375 9,790 SH   SOLE   0 0 9,790
LOUISIANA PAC CORP COM 546347105 1,068 17,187 SH   SOLE   0 0 17,187
MCKESSON CORP COM 58155Q103 1,565 5,107 SH   SOLE   0 0 5,107
MERCK & CO INC COM 58933Y105 366 4,451 SH   SOLE   0 0 4,451
MICROSOFT CORP COM 594918104 4,486 14,551 SH   SOLE   0 0 14,551
NATIONAL FUEL GAS CO COM 636180101 1,427 20,764 SH   SOLE   0 0 20,764
NATIONAL HEALTH INVS INC COM 63633D104 2,638 44,383 SH   SOLE   0 0 44,383
NOVO-NORDISK A S ADR 670100205 287 2,570 SH   SOLE   0 0 2,570
NUCOR CORP COM 670346105 329 2,216 SH   SOLE   0 0 2,216
NVIDIA CORPORATION COM 67066G104 571 2,091 SH   SOLE   0 0 2,091
OLD DOMINION FREIGHT LINE IN COM 679580100 1,396 4,675 SH   SOLE   0 0 4,675
OLIN CORP COM PAR $1 680665205 1,228 23,487 SH   SOLE   0 0 23,487
P T TELEKOMUNIKASI INDONESIA SPONSORED ADR 715684106 207 6,469 SH   SOLE   0 0 6,469
PFIZER INC COM 717081103 4,119 79,559 SH   SOLE   0 0 79,559
PHILIP MORRIS INTL INC COM 718172109 2,288 24,353 SH   SOLE   0 0 24,353
PROCTER AND GAMBLE CO COM 742718109 4,080 26,699 SH   SOLE   0 0 26,699
RAYMOND JAMES FINL INC COM 754730109 1,249 11,360 SH   SOLE   0 0 11,360
RELX PLC SPONSORED ADR 759530108 204 6,555 SH   SOLE   0 0 6,555
RIO TINTO PLC SPONSORED ADR 767204100 4,128 51,341 SH   SOLE   0 0 51,341
ROYAL BK CDA COM 780087102 3,167 28,723 SH   SOLE   0 0 28,723
SLM CORP COM 78442P106 1,129 61,467 SH   SOLE   0 0 61,467
SPDR S&P 500 ETF TR TR UNIT 78462F103 18,973 42,009 SH   SOLE   0 0 42,009
SPDR SER TR PRTFLO S&P500 VL 78464A508 5,916 141,694 SH   SOLE   0 0 141,694
SPDR SER TR PORTFOLIO AGRGTE 78464A649 671 24,163 SH   SOLE   0 0 24,163
SPDR SER TR PORTFOLI S&P1500 78464A805 2,947 53,015 SH   SOLE   0 0 53,015
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848 3,011 67,264 SH   SOLE   0 0 67,264
SPDR SER TR BLOOMBERG SHT TE 78468R408 5,661 215,743 SH   SOLE   0 0 215,743
SVB FINANCIAL GROUP COM 78486Q101 1,004 1,794 SH   SOLE   0 0 1,794
SASOL LTD SPONSORED ADR 803866300 351 14,504 SH   SOLE   0 0 14,504
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 11,797 220,956 SH   SOLE   0 0 220,956
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748 3,835 108,345 SH   SOLE   0 0 108,345
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 6,627 205,374 SH   SOLE   0 0 205,374
SOUTHERN CO COM 842587107 4,340 59,848 SH   SOLE   0 0 59,848
TARGET CORP COM 87612E106 1,390 6,551 SH   SOLE   0 0 6,551
TATA MTRS LTD SPONSORED ADR 876568502 317 11,338 SH   SOLE   0 0 11,338
TENARIS S A SPONSORED ADS 88031M109 297 9,891 SH   SOLE   0 0 9,891
TERNIUM SA SPONSORED ADS 880890108 306 6,712 SH   SOLE   0 0 6,712
TESLA INC COM 88160R101 232 215 SH   SOLE   0 0 215
3M CO COM 88579Y101 372 2,499 SH   SOLE   0 0 2,499
UNITEDHEALTH GROUP INC COM 91324P102 350 686 SH   SOLE   0 0 686
VANGUARD STAR FDS VG TL INTL STK F 921909768 255 4,275 SH   SOLE   0 0 4,275
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 207 2,600 SH   SOLE   0 0 2,600
VANGUARD WORLD FDS ENERGY ETF 92204A306 5,936 55,452 SH   SOLE   0 0 55,452
VANGUARD WORLD FDS UTILITIES ETF 92204A876 3,034 18,750 SH   SOLE   0 0 18,750
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 4,882 62,512 SH   SOLE   0 0 62,512
VANGUARD INDEX FDS TOTAL STK MKT 922908769 556 2,442 SH   SOLE   0 0 2,442
VERIZON COMMUNICATIONS INC COM 92343V104 561 11,009 SH   SOLE   0 0 11,009
WALGREENS BOOTS ALLIANCE INC COM 931427108 308 6,874 SH   SOLE   0 0 6,874
WEBSTER FINL CORP COM 947890109 1,155 20,585 SH   SOLE   0 0 20,585