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
3M CO COM 88579Y101 BBG001S5T7X2 273,731 2,581 SH   SOLE   2,581 0 0
ABBOTT LABS COM 002824100 BBG001S5N9M6 411,904 3,624 SH   SOLE   3,624 0 0
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 1,042,143 5,723 SH   SOLE   5,723 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 452,849 2,509 SH   SOLE   2,509 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 1,684,244 11,159 SH   SOLE   11,159 0 0
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 301,475 1,980 SH   SOLE   1,980 0 0
ALPS ETF TR ALERIAN MLP 00162Q452 BBG001TBMNT5 715,792 15,082 SH   SOLE   15,082 0 0
ALTRIA GROUP INC COM 02209S103 BBG001S5T8T5 343,944 7,885 SH   SOLE   7,885 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,204,925 6,680 SH   SOLE   6,680 0 0
AMGEN INC COM 031162100 BBG001S5NNL6 829,361 2,917 SH   SOLE   2,917 0 0
APPLE INC COM 037833100 BBG001S5N8V8 4,474,324 26,092 SH   SOLE   26,092 0 0
ASML HOLDING N V N Y REGISTRY SHS N07059210 BBG001SCG0R3 324,137 334 SH   SOLE   334 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 262,545 14,917 SH   SOLE   14,917 0 0
BANC OF CALIFORNIA INC COM 05990K106 BBG001SKZX56 394,137 25,913 SH   SOLE   25,913 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 325,130 8,574 SH   SOLE   8,574 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 918,836 2,185 SH   SOLE   2,185 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 434,328 8,009 SH   SOLE   8,009 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 607,674 1,658 SH   SOLE   1,658 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 992,964 6,295 SH   SOLE   6,295 0 0
CINCINNATI FINL CORP COM 172062101 BBG001S5PTM0 374,993 3,020 SH   SOLE   3,020 0 0
CISCO SYS INC COM 17275R102 BBG001S6HC62 783,088 15,690 SH   SOLE   15,690 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 719,844 11,766 SH   SOLE   11,766 0 0
CONSOLIDATED EDISON INC COM 209115104 BBG001S5QRL4 245,187 2,700 SH   SOLE   2,700 0 0
COSTCO WHSL CORP NEW COM 22160K105 BBG001S9KRQ7 224,917 307 SH   SOLE   307 0 0
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 BBG00Y2PHW26 1,389,388 56,205 SH   SOLE   56,205 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 257,588 2,105 SH   SOLE   2,105 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 432,681 4,474 SH   SOLE   4,474 0 0
ELI LILLY & CO COM 532457108 BBG001S5STL8 458,996 590 SH   SOLE   590 0 0
EMERSON ELEC CO COM 291011104 BBG001S5QVT7 257,350 2,269 SH   SOLE   2,269 0 0
EOG RES INC COM 26875P101 BBG001S5ZB93 282,143 2,207 SH   SOLE   2,207 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 1,756,092 15,107 SH   SOLE   15,107 0 0
F N B CORP COM 302520101 BBG001S5R1Q5 662,390 46,978 SH   SOLE   46,978 0 0
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107 BBG01BFR8YW0 329,458 3,624 SH   SOLE   3,624 0 0
GENERAL DYNAMICS CORP COM 369550108 BBG001S5RHP1 694,078 2,457 SH   SOLE   2,457 0 0
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 1,903,096 10,842 SH   SOLE   10,842 0 0
HOME DEPOT INC COM 437076102 BBG001S5RTW7 917,571 2,392 SH   SOLE   2,392 0 0
INTEL CORP COM 458140100 BBG001S5SF65 254,651 5,765 SH   SOLE   5,765 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 1,029,083 5,389 SH   SOLE   5,389 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613 BBG001S6H5N8 249,478 6,485 SH   SOLE   6,485 0 0
ISHARES GOLD TR ISHARES NEW 464285204 BBG001SJK6D5 6,087,291 144,901 SH   SOLE   144,901 0 0
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 407,279 7,893 SH   SOLE   7,893 0 0
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 203,667 3,599 SH   SOLE   3,599 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 4,224,019 51,651 SH   SOLE   51,651 0 0
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 1,881,519 19,885 SH   SOLE   19,885 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 BBG001SSD812 510,027 4,404 SH   SOLE   4,404 0 0
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 509,298 6,862 SH   SOLE   6,862 0 0
ISHARES TR CORE MSCI INTL 46435G326 BBG00G9DM0M7 4,748,441 70,735 SH   SOLE   70,735 0 0
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 1,199,615 19,750 SH   SOLE   19,750 0 0
ISHARES TR CORE S&P TTL STK 464287150 BBG001SHTRL5 8,720,254 75,631 SH   SOLE   75,631 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 2,682,274 5,102 SH   SOLE   5,102 0 0
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 5,533,532 121,376 SH   SOLE   121,376 0 0
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 245,159 5,708 SH   SOLE   5,708 0 0
ISHARES TR MSCI EAFE ETF 464287465 BBG001SG09V7 1,167,953 14,625 SH   SOLE   14,625 0 0
ISHARES TR MSCI INTL QUALTY 46434V456 BBG007WGM3H4 7,993,275 201,545 SH   SOLE   201,545 0 0
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 210,368 1,280 SH   SOLE   1,280 0 0
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 323,553 3,007 SH   SOLE   3,007 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,874,618 22,293 SH   SOLE   22,293 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,210,487 5,756 SH   SOLE   5,756 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 2,811,430 33,295 SH   SOLE   33,295 0 0
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 1,919,099 10,273 SH   SOLE   10,273 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 5,679,426 98,158 SH   SOLE   98,158 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 1,478,722 27,263 SH   SOLE   27,263 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 BBG00GP26NW0 2,121,296 42,047 SH   SOLE   42,047 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 6,718,772 127,081 SH   SOLE   127,081 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 303,780 5,987 SH   SOLE   5,987 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 935,112 5,911 SH   SOLE   5,911 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 2,351,891 11,742 SH   SOLE   11,742 0 0
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 213,334 469 SH   SOLE   469 0 0
MARATHON PETE CORP COM 56585A102 BBG001S169P1 1,284,361 6,374 SH   SOLE   6,374 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 1,046,673 3,712 SH   SOLE   3,712 0 0
MEDTRONIC PLC SHS G5960L103 BBG001S5T2S9 347,990 3,993 SH   SOLE   3,993 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 595,883 4,516 SH   SOLE   4,516 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 1,042,055 2,146 SH   SOLE   2,146 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,994,871 9,495 SH   SOLE   9,495 0 0
NATIONAL FUEL GAS CO COM 636180101 BBG001S5TLR8 461,670 8,594 SH   SOLE   8,594 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 240,364 2,558 SH   SOLE   2,558 0 0
NUVEEN AMT FREE MUN CR INC F COM 67071L106 BBG001SHZCF8 329,994 27,160 SH   SOLE   27,160 0 0
NUVEEN AMT FREE QLTY MUN INC COM 670657105 BBG001SKQWJ3 203,688 18,400 SH   SOLE   18,400 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 974,941 1,079 SH   SOLE   1,079 0 0
ORACLE CORP COM 68389X105 BBG001S5SJG6 303,474 2,416 SH   SOLE   2,416 0 0
PACER FDS TR PACER US SMALL 69374H857 BBG00GXXR1G6 3,939,830 80,143 SH   SOLE   80,143 0 0
PEPSICO INC COM 713448108 BBG001S695T1 1,109,503 6,340 SH   SOLE   6,340 0 0
PFIZER INC COM 717081103 BBG001S5V466 439,386 15,834 SH   SOLE   15,834 0 0
PHILIP MORRIS INTL INC COM 718172109 BBG001STP9N1 434,004 4,737 SH   SOLE   4,737 0 0
PHILLIPS 66 COM 718546104 BBG00286S4P7 215,119 1,317 SH   SOLE   1,317 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 1,392,583 8,583 SH   SOLE   8,583 0 0
PROSHARES TR S&P 500 DV ARIST 74348A467 BBG005D266P2 1,171,286 11,550 SH   SOLE   11,550 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 439,123 2,594 SH   SOLE   2,594 0 0
REALTY INCOME CORP COM 756109104 BBG001S884K0 227,436 4,204 SH   SOLE   4,204 0 0
RESMED INC COM 761152107 BBG001SBGRC2 210,308 1,062 SH   SOLE   1,062 0 0
RTX CORPORATION COM 75513E101 BBG001S5X5Q9 479,945 4,921 SH   SOLE   4,921 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 3,220,616 52,754 SH   SOLE   52,754 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 7,190,183 89,175 SH   SOLE   89,175 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 7,337,599 79,137 SH   SOLE   79,137 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 7,862,060 126,685 SH   SOLE   126,685 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 3,409,879 41,875 SH   SOLE   41,875 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 244,427 2,589 SH   SOLE   2,589 0 0
SELECT SECTOR SPDR TR INDL 81369Y704 BBG001S7T232 375,235 2,979 SH   SOLE   2,979 0 0
SELECT SECTOR SPDR TR SBI CONS STPLS 81369Y308 BBG001S7T107 517,797 6,781 SH   SOLE   6,781 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 2,313,747 15,662 SH   SOLE   15,662 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 1,154,501 5,612 SH   SOLE   5,612 0 0
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 BBG001SRXRD7 2,829,877 78,195 SH   SOLE   78,195 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 1,359,223 2,599 SH   SOLE   2,599 0 0
SPDR SER TR BLOOMBERG 1-3 MO 78468R663 BBG001STKCW9 618,273 6,735 SH   SOLE   6,735 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 217,680 1,600 SH   SOLE   1,600 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 336,286 1,913 SH   SOLE   1,913 0 0
T-MOBILE US INC COM 872590104 BBG001SKR9Y6 333,948 2,046 SH   SOLE   2,046 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 317,103 641 SH   SOLE   641 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 9,095,125 120,625 SH   SOLE   120,625 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 611,290 7,973 SH   SOLE   7,973 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 1,215,899 16,741 SH   SOLE   16,741 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 BBG001SHTTQ6 656,223 2,737 SH   SOLE   2,737 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 BBG001SHTTV0 284,366 1,244 SH   SOLE   1,244 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 BBG001SP7T00 1,044,751 17,813 SH   SOLE   17,813 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 BBG001SHTTZ6 472,168 11,304 SH   SOLE   11,304 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 702,357 12,095 SH   SOLE   12,095 0 0
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 BBG001SSPWL4 581,695 11,594 SH   SOLE   11,594 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 1,067,616 8,824 SH   SOLE   8,824 0 0
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 BBG00C868SD7 764,918 11,118 SH   SOLE   11,118 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 669,770 15,962 SH   SOLE   15,962 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 324,849 1,164 SH   SOLE   1,164 0 0
WALMART INC COM 931142103 BBG001S5XH92 319,211 5,305 SH   SOLE   5,305 0 0
WASTE MGMT INC DEL COM 94106L109 BBG001S5XH47 244,572 1,147 SH   SOLE   1,147 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315 BBG001SV1SY8 639,692 15,289 SH   SOLE   15,289 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 BBG005YHYNG8 3,405,300 67,713 SH   SOLE   67,713 0 0
WISDOMTREE TR US QTLY DIV GRT 97717X669 BBG004LMH3Z6 7,299,764 95,810 SH   SOLE   95,810 0 0