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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
SPDR S&P 500 ETF TR TR UNIT 78462F103 91 201 SH   SOLE   0 0 201
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 1 5 SH   SOLE   0 0 5
HOWMET AEROSPACE INC COM 443201108 1 16 SH   SOLE   0 0 16
ABBOTT LABS COM 002824100 6 50 SH   SOLE   0 0 50
BK OF AMERICA CORP COM 060505104 4 100 SH   SOLE   0 0 100
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 1,434 29,861 SH   SOLE   0 0 29,861
HUNTINGTON BANCSHARES INC COM 446150104 1 50 SH   SOLE   0 0 50
TRAVELERS COMPANIES INC COM 89417E109 91 500 SH   SOLE   0 0 500
VANGUARD WORLD FDS UTILITIES ETF 92204A876 701 4,333 SH   SOLE   0 0 4,333
AMAZON COM INC COM 023135106 2,233 685 SH   SOLE   0 0 685
AT&T INC COM 00206R102 24 1,000 SH   SOLE   0 0 1,000
APPLE INC COM 037833100 2,690 15,407 SH   SOLE   0 0 15,407
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,684 21,612 SH   SOLE   0 0 21,612
NORFOLK SOUTHN CORP COM 655844108 171 600 SH   SOLE   0 0 600
WALMART INC COM 931142103 27 180 SH   SOLE   0 0 180
ARCONIC CORPORATION COM 03966V107 0 4 SH   SOLE   0 0 4
ISHARES TR NEW YORK MUN ETF 464288323 1,028 18,845 SH   SOLE   0 0 18,845
INTEL CORP COM 458140100 22 440 SH   SOLE   0 0 440
BRISTOL-MYERS SQUIBB CO COM 110122108 28 380 SH   SOLE   0 0 380
EXXON MOBIL CORP COM 30231G102 66 800 SH   SOLE   0 0 800
TEAM INC COM 878155100 0 15 SH   SOLE   0 0 15
CISCO SYS INC COM 17275R102 33 600 SH   SOLE   0 0 600
VANGUARD INDEX FDS VALUE ETF 922908744 2,464 16,672 SH   SOLE   0 0 16,672
VANGUARD STAR FDS VG TL INTL STK F 921909768 137 2,294 SH   SOLE   0 0 2,294
ISHARES INC CORE MSCI EMKT 46434G103 78 1,409 SH   SOLE   0 0 1,409
ABBVIE INC COM 00287Y109 8 50 SH   SOLE   0 0 50
GABELLI HLTHCARE & WELLNESS SHS 36246K103 1 42 SH   SOLE   0 0 42
VANGUARD INDEX FDS MID CAP ETF 922908629 9,576 40,264 SH   SOLE   0 0 40,264
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 844 7,787 SH   SOLE   0 0 7,787
FIDELITY COVINGTON TRUST MSCI UTILS INDEX 316092865 1,758 36,687 SH   SOLE   0 0 36,687
MANULIFE FINL CORP COM 56501R106 5 236 SH   SOLE   0 0 236
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 69 871 SH   SOLE   0 0 871
FIRSTENERGY CORP COM 337932107 2 38 SH   SOLE   0 0 38
VANGUARD INDEX FDS TOTAL STK MKT 922908769 335 1,470 SH   SOLE   0 0 1,470
WASTE MGMT INC DEL COM 94106L109 48 300 SH   SOLE   0 0 300
ESSENTIAL UTILS INC COM 29670G102 3 63 SH   SOLE   0 0 63
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 19 113 SH   SOLE   0 0 113
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 64 430 SH   SOLE   0 0 430
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 34 433 SH   SOLE   0 0 433
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 18,179 43,787 SH   SOLE   0 0 43,787
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 366 7,861 SH   SOLE   0 0 7,861
VERIZON COMMUNICATIONS INC COM 92343V104 36 700 SH   SOLE   0 0 700
GENERAL MLS INC COM 370334104 4 60 SH   SOLE   0 0 60
ISHARES TR CORE MSCI EAFE 46432F842 24,627 354,291 SH   SOLE   0 0 354,291
MICROSOFT CORP COM 594918104 1,436 4,658 SH   SOLE   0 0 4,658
MERCK & CO INC COM 58933Y105 23 280 SH   SOLE   0 0 280
ALPHABET INC CAP STK CL A 02079K305 2,306 829 SH   SOLE   0 0 829
META PLATFORMS INC CL A 30303M102 515 2,316 SH   SOLE   0 0 2,316
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 25,848 937,217 SH   SOLE   0 0 937,217
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 9,402 376,840 SH   SOLE   0 0 376,840
MCDONALDS CORP COM 580135101 37 150 SH   SOLE   0 0 150
MICRO FOCUS INTL PLC SPON ADR NEW 594837403 0 4 SH   SOLE   0 0 4
DXC TECHNOLOGY CO COM 23355L106 0 4 SH   SOLE   0 0 4
HEWLETT PACKARD ENTERPRISE C COM 42824C109 1 50 SH   SOLE   0 0 50
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 881 19,095 SH   SOLE   0 0 19,095
HP INC COM 40434L105 2 50 SH   SOLE   0 0 50
ALCOA CORP COM 013872106 0 5 SH   SOLE   0 0 5
VANGUARD BD INDEX FDS INTERMED TERM 921937819 11 135 SH   SOLE   0 0 135
GABELLI EQUITY TR INC COM 362397101 6 844 SH   SOLE   0 0 844
GABELLI UTIL TR COM 36240A101 0 63 SH   SOLE   0 0 63
VANGUARD INDEX FDS SM CP VAL ETF 922908611 768 4,366 SH   SOLE   0 0 4,366
JOHNSON & JOHNSON COM 478160104 23 130 SH   SOLE   0 0 130