# EDGAR Filing Document

**Accession Number:** 0001802136
**File Stem:** 0001802136-23-000001
**Filing Date:** 2023-1
**Character Count:** 22252
**Document Hash:** 6a88ef74fae67ab0ca81f7e7f54431f2
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001802136-23-000001.hdr.sgml**: 20230131

**ACCESSION NUMBER**: 0001802136-23-000001

**CONFORMED SUBMISSION TYPE**: 13F-HR

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230131

**DATE AS OF CHANGE**: 20230131

**EFFECTIVENESS DATE**: 20230131

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** Investment Research & Advisory Group, Inc.
- **CENTRAL INDEX KEY:** 0001802136
- **IRS NUMBER:** 581989031
- **STATE OF INCORPORATION:** GA
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-20017
- **FILM NUMBER:** 23570747

**BUSINESS ADDRESS:**
- **STREET 1:** 1230 PEACHTREE STREET NE
- **STREET 2:** SUITE 3800
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30309
- **BUSINESS PHONE:** 404-760-3730

**MAIL ADDRESS:**
- **STREET 1:** 1230 PEACHTREE STREET NE
- **STREET 2:** SUITE 3800
- **CITY:** ATLANTA
- **STATE:** GA
- **ZIP:** 30309

### FORM 13F COVER PAGE

**Report for the Calendar Year or Quarter Ended:** 12-31-2022

**Check here if Amendment** [ ] **Amendment Number:** 

**This Amendment (Check only one.):** [ ] is a restatement.

[ ] adds new holdings entries.

**Institutional Investment Manager Filing this Report:**

**Name:** Investment Research  Advisory Group Inc.<br>**Address:** 1230 PEACHTREE STREET NE<br>SUITE 3800<br>ATLANTA, GA 30309

**Form 13F File Number:** 028-20017

The institutional investment manager filing this report and the person by whom it is signed hereby represent that the person signing the report is authorized to submit it, that all information contained herein is true, correct and complete, and that it is understood that all required items, statements, schedules, lists, and tables, are considered integral parts of this form.

**Person Signing this Report on Behalf of Reporting Manager:**

**Name:** Judith Jolley<br>**Title:** Chief Compliance Officer<br>**Phone:** 404-419-7198

**Signature, Place, and Date of Signing:**

Judith Jolley  Atlanta, GA  01-31-2023<br>[Signature]  [City, State]  [Date]

**Report Type (Check only one.):**

[x] **13F HOLDINGS REPORT.** (Check here if all holdings of this reporting manager are reported in this report.)

[ ] **13F NOTICE.** (Check here if no holdings are reported in this report, and all holdings are reported by other reporting manager(s).)

[ ] **13F COMBINATION REPORT.** (Check here if a portion of the holdings for this reporting manager are reported in this report and a portion are reported by other reporting manager(s).)

### Form 13F Summary Page

**Report Summary:**

**Number of Other Included Managers:** 0

**Form 13F Information Table Entry Total:** 195

**Form 13F Information Table Value Total:** $152289948

      (round to nearest dollar)

**List of Other Included Managers:**

Provide a numbered list of the name(s) and Form 13F file number(s) of all institutional investment managers with respect to which this report is filed, other than the manager filing this report.

[If there are no entries in this list, state “NONE” and omit the column headings and list entries.]

**NONE**

### FORM 13F INFORMATION TABLE

---

|  |  |  |  |  |  |  |  |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | VOTING AUTHORITY | VOTING AUTHORITY | VOTING AUTHORITY |
| NAME OF ISSUER | TITLE OF CLASS | CUSIP | FIGI | VALUE (x$1000) | SHRS OR PRN AMT | SH/PRN | PUT/CALL | INVESTMENT DISCRETION | OTHER MANAGER | SOLE | SHARED | NONE |
| 3M CO | COM | 88579Y101 |  | 1083957 | 9039 | SH |  | SOLE |  | 0 | 0 | 9039 |
| ABBOTT LABORATORIES | COM | 002824100 |  | 97494 | 888 | SH |  | SOLE |  | 0 | 0 | 888 |
| ABBVIE INC | COM | 00287Y109 |  | 192801 | 1193 | SH |  | SOLE |  | 0 | 0 | 1193 |
| ACCENTURE PLC | SHS Class A | G1151C101 |  | 25883 | 97 | SH |  | SOLE |  | 0 | 0 | 97 |
| ADOBE INC | COM | 00724F101 |  | 24903 | 74 | SH |  | SOLE |  | 0 | 0 | 74 |
| ADVANCED MICRO DEVIC | COM | 007903107 |  | 57645 | 890 | SH |  | SOLE |  | 0 | 0 | 890 |
| AIR PROD  CHEMICALS | COM | 009158106 |  | 57028 | 185 | SH |  | SOLE |  | 0 | 0 | 185 |
| ALCOA CORP | COM | 013872106 |  | 46334 | 1019 | SH |  | SOLE |  | 0 | 0 | 1019 |
| ALLBIRDS INC | COM | 01675A109 |  | 736 | 304 | SH |  | SOLE |  | 0 | 0 | 304 |
| ALPHABET INC. | CAP STK CL A | 02079K305 |  | 3680603 | 41716 | SH |  | SOLE |  | 0 | 0 | 41716 |
| ALPHABET INC. | CAP STK CL C | 02079K107 |  | 342498 | 3860 | SH |  | SOLE |  | 0 | 0 | 3860 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 54715 | 1197 | SH |  | SOLE |  | 0 | 0 | 1197 |
| AMAZON.COM INC | COM | 023135106 |  | 3274236 | 38979 | SH |  | SOLE |  | 0 | 0 | 38979 |
| AMGEN INC. | COM | 031162100 |  | 158635 | 604 | SH |  | SOLE |  | 0 | 0 | 604 |
| APPLE INC | COM | 037833100 |  | 11194328 | 86156 | SH |  | SOLE |  | 0 | 0 | 86156 |
| ATLASSIAN CORP | CL A | G06242104 |  | 5791 | 45 | SH |  | SOLE |  | 0 | 0 | 45 |
| AUTODESK INC | COM | 052769106 |  | 18126 | 97 | SH |  | SOLE |  | 0 | 0 | 97 |
| BANK AMERICA CORP | COM | 060505104 |  | 154372 | 4661 | SH |  | SOLE |  | 0 | 0 | 4661 |
| BECTON DICKINSON | COM | 075887109 |  | 1967011 | 7735 | SH |  | SOLE |  | 0 | 0 | 7735 |
| BERKSHIRE HATHAWAY | CL B NEW | 084670702 |  | 2325090 | 7527 | SH |  | SOLE |  | 0 | 0 | 7527 |
| BLACKROCK INC | COM | 09247X101 |  | 3657657 | 5161 | SH |  | SOLE |  | 0 | 0 | 5161 |
| BLOCK INC | CL A | 852234103 |  | 6158 | 98 | SH |  | SOLE |  | 0 | 0 | 98 |
| BOEING CO | COM | 097023105 |  | 168584 | 885 | SH |  | SOLE |  | 0 | 0 | 885 |
| BRISTOL-MYERS SQUIBB | COM | 110122108 |  | 84182 | 1170 | SH |  | SOLE |  | 0 | 0 | 1170 |
| BROADCOM INC | COM | 11135F101 |  | 20688 | 37 | SH |  | SOLE |  | 0 | 0 | 37 |
| BROOKFIELD ASSET MANAG | CL A EXCH LT VTG | G16169107 |  | 16199 | 565 | SH |  | SOLE |  | 0 | 0 | 565 |
| BROOKFIELD BUSINESS CO | CL A EXC SUB VTG | 11259V106 |  | 282 | 15 | SH |  | SOLE |  | 0 | 0 | 15 |
| BROOKFIELD BUSINESS P LP | UNIT LTD L P | G16234109 |  | 509 | 30 | SH |  | SOLE |  | 0 | 0 | 30 |
| BROOKFIELD CORP | CL A LTD VT SH | 11271J107 |  | 70785 | 2250 | SH |  | SOLE |  | 0 | 0 | 2250 |
| BROOKFIELD REINSURANCE | CL A EXCH LT VTG | G16169107 |  | 469 | 15 | SH |  | SOLE |  | 0 | 0 | 15 |
| CANOPY GROWTH CORP | COM | 138035100 |  | 781 | 338 | SH |  | SOLE |  | 0 | 0 | 338 |
| CARMAX INC | COM | 143130102 |  | 752296 | 12355 | SH |  | SOLE |  | 0 | 0 | 12355 |
| CATERPILLAR INC | COM | 149123101 |  | 2396 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| CHARLES SCHWAB CORP | COM | 808513105 |  | 4274942 | 51344 | SH |  | SOLE |  | 0 | 0 | 51344 |
| CHECK PT SOFTWARE | ORD | M22465104 |  | 37848 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| CHEVRON CORP | COM | 166764100 |  | 126181 | 703 | SH |  | SOLE |  | 0 | 0 | 703 |
| CHOICE HOTELS INTL | COM | 169905106 |  | 1046994 | 9295 | SH |  | SOLE |  | 0 | 0 | 9295 |
| CHUBB LTD | COM | H1467J104 |  | 2885889 | 13082 | SH |  | SOLE |  | 0 | 0 | 13082 |
| CIRRUS LOGIC INC | COM | 172755100 |  | 22344 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| CISCO SYSTEMS INC | COM | 17275R102 |  | 14340 | 301 | SH |  | SOLE |  | 0 | 0 | 301 |
| CITIGROUP INC | COM NEW | 172967424 |  | 50567 | 1118 | SH |  | SOLE |  | 0 | 0 | 1118 |
| COLGATE-PALMOLIVE CO | COM | 194162103 |  | 92263 | 1171 | SH |  | SOLE |  | 0 | 0 | 1171 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 1733113 | 49560 | SH |  | SOLE |  | 0 | 0 | 49560 |
| CORTEVA INC | COM | 22052L104 |  | 3879 | 66 | SH |  | SOLE |  | 0 | 0 | 66 |
| COSTCO WHOLESALE CO | COM | 22160K105 |  | 1576751 | 3454 | SH |  | SOLE |  | 0 | 0 | 3454 |
| CROWDSTRIKE HLDGS INC | CL A | 22788C105 |  | 5265 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| DELTA AIR LINES INC DEL | COM NEW | 247361702 |  | 1077775 | 32799 | SH |  | SOLE |  | 0 | 0 | 32799 |
| DEXCOM INC | COM | 252131107 |  | 11324 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| DIAMONDBACK ENERGY | COM | 25278X109 |  | 547 | 4 | SH |  | SOLE |  | 0 | 0 | 4 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 53042 | 865 | SH |  | SOLE |  | 0 | 0 | 865 |
| DOW INC | COM | 260557103 |  | 3326 | 66 | SH |  | SOLE |  | 0 | 0 | 66 |
| DRAFTKINGS INC NEW | COM CL A | 26142V105 |  | 1811 | 159 | SH |  | SOLE |  | 0 | 0 | 159 |
| DUKE ENERGY CORP | COM NEW | 26441C204 |  | 85135 | 826 | SH |  | SOLE |  | 0 | 0 | 826 |
| DUPONT DE NEMOURS INC IA | COM | 26614N102 |  | 4530 | 66 | SH |  | SOLE |  | 0 | 0 | 66 |
| EDWARDS LIFESCIENCES | COM | 28176E108 |  | 44766 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| EMERSON ELECTRIC CO | COM | 291011104 |  | 9606 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| ENBRIDGE INC | COM | 29250N105 |  | 69794 | 1785 | SH |  | SOLE |  | 0 | 0 | 1785 |
| ENSTAR GROUP LTD | SHS | G3075P101 |  | 66077 | 286 | SH |  | SOLE |  | 0 | 0 | 286 |
| ENTERPRISE PRODS PART LP | COM | 293792107 |  | 2364 | 98 | SH |  | SOLE |  | 0 | 0 | 98 |
| FEDEX CORP | COM | 31428X106 |  | 202817 | 1171 | SH |  | SOLE |  | 0 | 0 | 1171 |
| FIDELITY INTERNATIONAL  MULTIFACT ETF | METAVERSE ETF | 316092535 |  | 14345 | 593 | SH |  | SOLE |  | 0 | 0 | 593 |
| GARTNER INC | COM | 366651107 |  | 14454 | 43 | SH |  | SOLE |  | 0 | 0 | 43 |
| GENERAL DYNAMICS CO | COM | 369550108 |  | 2196270 | 8852 | SH |  | SOLE |  | 0 | 0 | 8852 |
| GENERAL ELECTRIC CO | COM | 369604301 |  | 1065333 | 12714 | SH |  | SOLE |  | 0 | 0 | 12714 |
| GENERAL MILLS INC | COM | 370334104 |  | 114875 | 1370 | SH |  | SOLE |  | 0 | 0 | 1370 |
| GENERAL MOTORS CO | COM | 37045V100 |  | 8915 | 265 | SH |  | SOLE |  | 0 | 0 | 265 |
| GILEAD SCIENCES INC | COM | 375558103 |  | 25755 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| GLOBE LIFE INC | COM | 37959E102 |  | 27124 | 225 | SH |  | SOLE |  | 0 | 0 | 225 |
| GOLDMAN SACHS GROUP | COM | 38141G104 |  | 47730 | 139 | SH |  | SOLE |  | 0 | 0 | 139 |
| GSK PLC ADR            FSPONSORED ADR | SPONSORED ADR | 37733W204 |  | 16867 | 480 | SH |  | SOLE |  | 0 | 0 | 480 |
| HALEON PLC             FSPONSORED ADR | SPON ADS | 405552100 |  | 4800 | 600 | SH |  | SOLE |  | 0 | 0 | 600 |
| HARLEY DAVIDSON INC | COM | 412822108 |  | 5408 | 130 | SH |  | SOLE |  | 0 | 0 | 130 |
| HOME DEPOT INC | COM | 437076102 |  | 747956 | 2368 | SH |  | SOLE |  | 0 | 0 | 2368 |
| HONEYWELL INTL INC | COM | 438516106 |  | 2498099 | 11657 | SH |  | SOLE |  | 0 | 0 | 11657 |
| HORMEL FOODS CORP | COM | 440452100 |  | 33160 | 728 | SH |  | SOLE |  | 0 | 0 | 728 |
| IDEXX LABS INC | COM | 45168D104 |  | 11015 | 27 | SH |  | SOLE |  | 0 | 0 | 27 |
| INDEPENDENCE REALTY     REIT | COM | 45378A106 |  | 659192 | 39098 | SH |  | SOLE |  | 0 | 0 | 39098 |
| INNOVATIVE INDUSTRIAL PRREIT | COM | 45781V101 |  | 203 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| INVSC QQQ TRUST SRS 1   ETF | UNIT SER 1 | 46090E103 |  | 297701 | 1118 | SH |  | SOLE |  | 0 | 0 | 1118 |
| IQVIA HOLDINGS INC | COM | 46266C105 |  | 3450757 | 16842 | SH |  | SOLE |  | 0 | 0 | 16842 |
| ISHARES BIOTECHNOLOGY   ETF | ISHARES BIOTECH | 464287556 |  | 84288 | 642 | SH |  | SOLE |  | 0 | 0 | 642 |
| ISHARES CORE S 500    ETF | CORE S 500 ETF | 464287200 |  | 731920 | 1905 | SH |  | SOLE |  | 0 | 0 | 1905 |
| ISHARES CORE S MID-CAPETF | CORE S MCP ETF | 464287507 |  | 551025 | 2278 | SH |  | SOLE |  | 0 | 0 | 2278 |
| ISHARES CORE S SMALL  CAP ETF | CORE S SCP ETF | 464287804 |  | 162875 | 1721 | SH |  | SOLE |  | 0 | 0 | 1721 |
| ISHARES CORE US         AGGREGATE BOND ETF | CORE US AGGBD ETF | 464287226 |  | 7662 | 79 | SH |  | SOLE |  | 0 | 0 | 79 |
| ISHARES MSCI CHINA ETF | CHINA SM-CAP ETF | 46429B671 |  | 95 | 2 | SH |  | SOLE |  | 0 | 0 | 2 |
| ISHARES MSCI EAFE ETF | MSCI EAFE ETF | 464287465 |  | 4201 | 64 | SH |  | SOLE |  | 0 | 0 | 64 |
| ISHARES RUSSELL 1000    GROWTH ETF | RUS 1000 GRW ETF | 464287614 |  | 7498 | 35 | SH |  | SOLE |  | 0 | 0 | 35 |
| ISHARES S 500 GROWTH  ETF | S 500 GRWT ETF | 464287309 |  | 417398 | 7135 | SH |  | SOLE |  | 0 | 0 | 7135 |
| ISHARES S 500 VALUE   ETF | S 500 VAL ETF | 464287408 |  | 369203 | 2545 | SH |  | SOLE |  | 0 | 0 | 2545 |
| ISHARES S SMALL CAP   600 ETF | SP SMCP600VL ETF | 464287879 |  | 118155 | 1294 | SH |  | SOLE |  | 0 | 0 | 1294 |
| ISHARES S SMLL CAP 600GRTH ETF | S SML 600 GWT | 464287887 |  | 152487 | 1411 | SH |  | SOLE |  | 0 | 0 | 1411 |
| ISHARES SELECT DIVIDEND ETF | SELECT DIVIDEND ETF | 464287168 |  | 120600 | 1000 | SH |  | SOLE |  | 0 | 0 | 1000 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 2672869 | 15130 | SH |  | SOLE |  | 0 | 0 | 15130 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 3255009 | 24273 | SH |  | SOLE |  | 0 | 0 | 24273 |
| LAB CO OF AMER HLDG | COM NEW | 50540R409 |  | 1165626 | 4950 | SH |  | SOLE |  | 0 | 0 | 4950 |
| LILLY ELI  CO | COM | 532457108 |  | 1093496 | 2989 | SH |  | SOLE |  | 0 | 0 | 2989 |
| LOWES COMPANIES INC | COM | 548661107 |  | 225540 | 1132 | SH |  | SOLE |  | 0 | 0 | 1132 |
| LPL FINL HLDGS | COM | 50212V100 |  | 4972 | 23 | SH |  | SOLE |  | 0 | 0 | 23 |
| LULULEMON ATHLETICA | COM | 550021109 |  | 8971 | 28 | SH |  | SOLE |  | 0 | 0 | 28 |
| MASTERCARD INC | CL A | 57636Q104 |  | 4651665 | 13377 | SH |  | SOLE |  | 0 | 0 | 13377 |
| MATCH GROUP INC NEW | COM | 57667L107 |  | 5892 | 142 | SH |  | SOLE |  | 0 | 0 | 142 |
| MCDONALDS CORP | COM | 580135101 |  | 6282 | 23 | SH |  | SOLE |  | 0 | 0 | 23 |
| MEDTRONIC PLC | SHS | G5960L103 |  | 8471 | 109 | SH |  | SOLE |  | 0 | 0 | 109 |
| MERCADOLIBRE INC | COM | 58733R102 |  | 8462 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| MERCK  CO. INC. | COM | 58933Y105 |  | 273159 | 2462 | SH |  | SOLE |  | 0 | 0 | 2462 |
| META PLATFORMS INC | CL A | 30303M102 |  | 1049485 | 8721 | SH |  | SOLE |  | 0 | 0 | 8721 |
| MFA FINL INC.          REIT | NOTE | 55272X607 |  | 1162 | 118 | SH |  | SOLE |  | 0 | 0 | 118 |
| MICRON TECHNOLOGY | COM | 595112103 |  | 50 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| MICROSOFT CORP | COM | 594918104 |  | 6386649 | 26631 | SH |  | SOLE |  | 0 | 0 | 26631 |
| MODERNA INC | COM | 60770K107 |  | 180 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| MOHAWK INDUSTRIES | COM | 608190104 |  | 89443 | 875 | SH |  | SOLE |  | 0 | 0 | 875 |
| MONDELEZ INTL | CL A | 609207105 |  | 107107 | 1607 | SH |  | SOLE |  | 0 | 0 | 1607 |
| MR COOPER GROUP INC | COM | 62482R107 |  | 40 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| MURPHY USA INC | COM | 626755102 |  | 17052 | 61 | SH |  | SOLE |  | 0 | 0 | 61 |
| NIKE INC | CL B | 654106103 |  | 192900 | 1648 | SH |  | SOLE |  | 0 | 0 | 1648 |
| NOVARTIS AG            FSPONSORED ADR | SPONSORED ADR | 66987V109 |  | 165564 | 1825 | SH |  | SOLE |  | 0 | 0 | 1825 |
| NOVO-NORDISK A S       FSPONSORED ADR | ADR | 670100205 |  | 29233 | 216 | SH |  | SOLE |  | 0 | 0 | 216 |
| NUVEEN MUNICIPAL VALUE C | COM | 670928100 |  | 34013 | 3955 | SH |  | SOLE |  | 0 | 0 | 3955 |
| NVIDIA CORP | COM | 67066G104 |  | 1828358 | 12511 | SH |  | SOLE |  | 0 | 0 | 12511 |
| O REILLY AUTOMOTIVE | COM | 67103H107 |  | 13504 | 16 | SH |  | SOLE |  | 0 | 0 | 16 |
| OCCIDENTAL PETROL CO | COM | 674599105 |  | 13984 | 222 | SH |  | SOLE |  | 0 | 0 | 222 |
| ORACLE CORP | COM | 68389X105 |  | 26402 | 323 | SH |  | SOLE |  | 0 | 0 | 323 |
| ORGANON  CO | COMMON STOCK | 68622V106 |  | 5726 | 205 | SH |  | SOLE |  | 0 | 0 | 205 |
| ORION OFFICE REIT INC   REIT | COM | 68629Y103 |  | 427 | 50 | SH |  | SOLE |  | 0 | 0 | 50 |
| PALO ALTO NETWORKS | COM | 697435105 |  | 227729 | 1632 | SH |  | SOLE |  | 0 | 0 | 1632 |
| PAYPAL HOLDINGS INCORPOR | COM | 70450Y103 |  | 1584431 | 22247 | SH |  | SOLE |  | 0 | 0 | 22247 |
| PELOTON INTERACTIVE INC | CL A COM | 70614W100 |  | 2128 | 268 | SH |  | SOLE |  | 0 | 0 | 268 |
| PENN ENTMT INC | COM | 707569109 |  | 10098 | 340 | SH |  | SOLE |  | 0 | 0 | 340 |
| PEPSICO INC | COM | 713448108 |  | 15898 | 88 | SH |  | SOLE |  | 0 | 0 | 88 |
| PERFORMANCE FOOD GROUP C | COM | 71377A103 |  | 29195 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| PFIZER INC | COM | 717081103 |  | 3385734 | 66076 | SH |  | SOLE |  | 0 | 0 | 66076 |
| PHILIP MORRIS INTL | COM | 718172109 |  | 1983210 | 19595 | SH |  | SOLE |  | 0 | 0 | 19595 |
| PNC FINL SERVICES | COM | 693475105 |  | 77075 | 488 | SH |  | SOLE |  | 0 | 0 | 488 |
| PROCTER  GAMBLE | COM | 742718109 |  | 1535606 | 10132 | SH |  | SOLE |  | 0 | 0 | 10132 |
| PROLOGIS INC.           REIT | COM | 74340W103 |  | 113 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| PRUDENTIAL FINL | COM | 744320102 |  | 9946 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| REALTY INCOME CORP      REIT | COM | 756109104 |  | 82459 | 1300 | SH |  | SOLE |  | 0 | 0 | 1300 |
| REVOLVE GROUP INC | CL A | 76156B107 |  | 6255 | 281 | SH |  | SOLE |  | 0 | 0 | 281 |
| ROBLOX CORP | CL A | 771049103 |  | 285 | 10 | SH |  | SOLE |  | 0 | 0 | 10 |
| SALESFORCE INC | COM | 79466L302 |  | 1287847 | 9713 | SH |  | SOLE |  | 0 | 0 | 9713 |
| SEA LTD                FUNSPONSORED ADR | SPONSORD ADS | 81141R100 |  | 6035 | 116 | SH |  | SOLE |  | 0 | 0 | 116 |
| SELECT SECTOR HEALTH    CARE SPDR ETF | SBI HEALTHCARE | 81369Y209 |  | 19291 | 142 | SH |  | SOLE |  | 0 | 0 | 142 |
| SELECT STR FINANCIAL    SELECT SPDR ETF | FINANCIAL | 81369Y605 |  | 16279 | 476 | SH |  | SOLE |  | 0 | 0 | 476 |
| SERVICE NOW INC | COM | 81762P102 |  | 19025 | 49 | SH |  | SOLE |  | 0 | 0 | 49 |
| SHOPIFY INC | CL A | 82509L107 |  | 7636 | 220 | SH |  | SOLE |  | 0 | 0 | 220 |
| SNOWFLAKE INC | CL A | 833445109 |  | 431 | 3 | SH |  | SOLE |  | 0 | 0 | 3 |
| SOFI TECHNOLOGIES INC | NOTE | 83406F102 |  | 2065 | 448 | SH |  | SOLE |  | 0 | 0 | 448 |
| SOLAREDGE TECH | COM | 83417M104 |  | 10764 | 38 | SH |  | SOLE |  | 0 | 0 | 38 |
| SPDR FUND CONSUMER      DISCRE SELECT ETF | SBI CONS DISCR | 81369Y407 |  | 12141 | 94 | SH |  | SOLE |  | 0 | 0 | 94 |
| SPDR INDEX SHARES EMERG MARKT ETF | PORTFOLIO EMG MK | 78463X509 |  | 4713 | 143 | SH |  | SOLE |  | 0 | 0 | 143 |
| SPDR PORTFOLIO DVLPD    WRLD EX-US ETF | PORTFOLIO DEVLPD | 78463X889 |  | 9798 | 330 | SH |  | SOLE |  | 0 | 0 | 330 |
| SPDR S 500 ETF | SPDR S 500 ETF | 78468R796 |  | 2037587 | 5328 | SH |  | SOLE |  | 0 | 0 | 5328 |
| SPDR S DIVIDEND ETF | S DIVID ETF | 78464A763 |  | 153510 | 1227 | SH |  | SOLE |  | 0 | 0 | 1227 |
| SPDR S MIDCAP 400 ETF | UTSER1 S | 78467Y107 |  | 375043 | 847 | SH |  | SOLE |  | 0 | 0 | 847 |
| STARBUCKS CORP | COM | 855244109 |  | 2592843 | 26137 | SH |  | SOLE |  | 0 | 0 | 26137 |
| STATE STREET CORP | COM | 857477103 |  | 11015 | 142 | SH |  | SOLE |  | 0 | 0 | 142 |
| SYNOVUS FINL CO | COM | 871607107 |  | 214673 | 5717 | SH |  | SOLE |  | 0 | 0 | 5717 |
| TAIWAN SEMICONDUCTR    FSPONSORED ADR | SPONSORED ADR | 874039100 |  | 930380 | 12490 | SH |  | SOLE |  | 0 | 0 | 12490 |
| TECHNOLOGY SELECT SECTORSPDR ETF | TECHNOLOGY | 81369Y803 |  | 26381 | 212 | SH |  | SOLE |  | 0 | 0 | 212 |
| THE COCA-COLA CO | COM | 191216100 |  | 214811 | 3377 | SH |  | SOLE |  | 0 | 0 | 3377 |
| TORONTO DOMINION BANK  F | COM NEW | 891160509 |  | 43195 | 667 | SH |  | SOLE |  | 0 | 0 | 667 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 203771 | 4735 | SH |  | SOLE |  | 0 | 0 | 4735 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 1191368 | 48175 | SH |  | SOLE |  | 0 | 0 | 48175 |
| UNITED PARCEL SRVC | CL B | 911312106 |  | 17384 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| UNITEDHEALTH GRP INC | COM | 91324P102 |  | 3382018 | 6379 | SH |  | SOLE |  | 0 | 0 | 6379 |
| VANGUARD ENERGY ETF | ENERGY ETF | 92204A306 |  | 480875 | 3965 | SH |  | SOLE |  | 0 | 0 | 3965 |
| VANGUARD FTSE ALL WORLD EX US ETF | ALLWRLD EX US ETF | 922042775 |  | 464046 | 9255 | SH |  | SOLE |  | 0 | 0 | 9255 |
| VANGUARD FTSE DEVELOPED MARKETS ETF | VAN FTSE DEV MKT | 921943858 |  | 7748 | 184 | SH |  | SOLE |  | 0 | 0 | 184 |
| VANGUARD MID CAP ETF | MID CAP ETF | 922908629 |  | 7949 | 39 | SH |  | SOLE |  | 0 | 0 | 39 |
| VANGUARD S 500 ETF | S 500 ETF SHS | 922908363 |  | 33036472 | 94029 | SH |  | SOLE |  | 0 | 0 | 94029 |
| VANGUARD SHORT-TERM BONDETF | SHORT TRM BOND | 921937827 |  | 74602 | 991 | SH |  | SOLE |  | 0 | 0 | 991 |
| VANGUARD SMALL CAP ETF | SMALL CP ETF | 922908751 |  | 3785609 | 20625 | SH |  | SOLE |  | 0 | 0 | 20625 |
| VANGUARD TOTAL BOND     MARKET ETF | TOTAL BND MKT | 921937835 |  | 4173617 | 58096 | SH |  | SOLE |  | 0 | 0 | 58096 |
| VANGUARD TOTAL          INTERNATIONAL BND ETF | TOTAL INT BD ETF | 92203J407 |  | 60616 | 1278 | SH |  | SOLE |  | 0 | 0 | 1278 |
| VANGUARD TOTAL          INTERNATIONAL STOCK E | VG TL INTL STK F | 921909768 |  | 2488027 | 48105 | SH |  | SOLE |  | 0 | 0 | 48105 |
| VANGUARD TOTAL STOCK    MARKET ETF | TOTAL STK MKT | 922908769 |  | 2677 | 14 | SH |  | SOLE |  | 0 | 0 | 14 |
| VANGUARD VALUE ETF | VALUE ETF | 922908744 |  | 8141 | 58 | SH |  | SOLE |  | 0 | 0 | 58 |
| VERIZON COMMUNICATN | COM | 92343V104 |  | 3940 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| VISA INC | COM CL A | 92826C839 |  | 3974501 | 19130 | SH |  | SOLE |  | 0 | 0 | 19130 |
| VIATRIS INC | COM | 92556V106 |  | 223 | 20 | SH |  | SOLE |  | 0 | 0 | 20 |
| VIRGIN GALACTIC HLDGS INCLASS | COM | 92766K106 |  | 70 | 20 | SH |  | SOLE |  | 0 | 0 | 20 |
| WABTEC | COM | 929740108 |  | 599 | 6 | SH |  | SOLE |  | 0 | 0 | 6 |
| WALGREENS BOOTS ALLI | COM | 931427108 |  | 37 | 1 | SH |  | SOLE |  | 0 | 0 | 1 |
| WALMART INC | COM | 931142103 |  | 18415 | 129 | SH |  | SOLE |  | 0 | 0 | 129 |
| WALT DISNEY CO | COM | 254687106 |  | 1092709 | 12577 | SH |  | SOLE |  | 0 | 0 | 12577 |
| WELLS FARGO  CO | COM NEW | 949746101 |  | 50580 | 1225 | SH |  | SOLE |  | 0 | 0 | 1225 |
| WOLFSPEED INC | COM | 977852102 |  | 4557 | 66 | SH |  | SOLE |  | 0 | 0 | 66 |
| WORKDAY INC | CL A | 98138H101 |  | 34972 | 209 | SH |  | SOLE |  | 0 | 0 | 209 |
| XERIS PHARMACEUTICALS IN | COM NEW | 98421M106 |  | 536 | 403 | SH |  | SOLE |  | 0 | 0 | 403 |
| ZETA GLOBAL HOLDINGS COR | CL A | 98956A105 |  | 361612 | 44261 | SH |  | SOLE |  | 0 | 0 | 44261 |
| ZIMMER BIOMET HLDGS | COM | 98956P102 |  | 38250 | 300 | SH |  | SOLE |  | 0 | 0 | 300 |
| ZIMVIE INC | COM | 98888T107 |  | 280 | 30 | SH |  | SOLE |  | 0 | 0 | 30 |
| ZOETIS INC | CL A | 98978V103 |  | 15827 | 108 | SH |  | SOLE |  | 0 | 0 | 108 |
| ZOOM VIDEO COMMUNICATIONCLASS | CL A | 98980L101 |  | 6774 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |

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