# EDGAR Filing Document

**Accession Number:** 0001891201
**File Stem:** 0001891201-23-000001
**Filing Date:** 2023-1
**Character Count:** 25386
**Document Hash:** caab85f07b92b699dde410abce901e4b
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001891201-23-000001.hdr.sgml**: 20230118

**ACCESSION NUMBER**: 0001891201-23-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20221231

**FILED AS OF DATE**: 20230118

**DATE AS OF CHANGE**: 20230118

**EFFECTIVENESS DATE**: 20230118

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MARYLAND CAPITAL ADVISORS INC.
- **CENTRAL INDEX KEY:** 0001891201
- **IRS NUMBER:** 522063491
- **STATE OF INCORPORATION:** MD
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** 13F-HR
- **SEC ACT:** 1934 Act
- **SEC FILE NUMBER:** 028-21551
- **FILM NUMBER:** 23534111

**BUSINESS ADDRESS:**
- **STREET 1:** 7 CHESTER PLAZA
- **CITY:** CHESTER
- **STATE:** MD
- **ZIP:** 21619
- **BUSINESS PHONE:** 410-604-2741

**MAIL ADDRESS:**
- **STREET 1:** 7 CHESTER PLAZA
- **CITY:** CHESTER
- **STATE:** MD
- **ZIP:** 21619

### 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:** MARYLAND CAPITAL ADVISORS INC.<br>**Address:** 7 CHESTER PLAZA<br>CHESTER, MD 21619

**Form 13F File Number:** 028-21551

**SEC File Number (if applicable):** 801-68593

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:** MICHAEL J. DAMAS<br>**Title:** PRESIDENT<br>**Phone:** 410-604-2741

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

MICHAEL J. DAMAS  CHESTER, MD  01-18-2023<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:** 226

**Form 13F Information Table Value Total:** $107078493

      (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 |  | 41972 | 350 | SH |  | SOLE |  | 350 | 0 | 0 |
| ABB LTD | SPONSORED ADR | 000375204 |  | 9138 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| ABBOTT LABS | COM | 002824100 |  | 10979 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 48483 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| ADAMS DIVERSIFIED EQUITY FD | COM | 006212104 |  | 2544 | 175 | SH |  | SOLE |  | 175 | 0 | 0 |
| ALCOA CORP | COM | 013872106 |  | 546 | 12 | SH |  | SOLE |  | 12 | 0 | 0 |
| ALCON AG | ORD SHS | H01301128 |  | 10282 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 17746 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 10318 | 226 | SH |  | SOLE |  | 226 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 25200 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| AMGEN INC | COM | 031162100 |  | 182797 | 696 | SH |  | SOLE |  | 696 | 0 | 0 |
| APPLE INC | COM | 037833100 |  | 531677 | 4092 | SH |  | SOLE |  | 4092 | 0 | 0 |
| ARCHER DANIELS MIDLAND CO | COM | 039483102 |  | 18570 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| ARCONIC CORPORATION | COM | 03966V107 |  | 275 | 13 | SH |  | SOLE |  | 13 | 0 | 0 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 13560 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 27781 | 1509 | SH |  | SOLE |  | 1509 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 298575 | 1250 | SH |  | SOLE |  | 1250 | 0 | 0 |
| BARRICK GOLD CORP | COM | 067901108 |  | 8590 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 305811 | 990 | SH |  | SOLE |  | 940 | 0 | 50 |
| BLACKROCK INC | COM | 09247X101 |  | 141726 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| BOOZ ALLEN HAMILTON HLDG COR | CL A | 099502106 |  | 17455 | 167 | SH |  | SOLE |  | 167 | 0 | 0 |
| BRISTOL-MYERS SQUIBB CO | COM | 110122108 |  | 14390 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| BROADCOM INC | COM | 11135F101 |  | 109030 | 195 | SH |  | SOLE |  | 195 | 0 | 0 |
| BUNGE LIMITED | COM | G16962105 |  | 6385 | 64 | SH |  | SOLE |  | 64 | 0 | 0 |
| CHARTER COMMUNICATIONS INC N | CL A | 16119P108 |  | 1017 | 3 | SH |  | SOLE |  | 3 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 692113 | 3856 | SH |  | SOLE |  | 3856 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 45925 | 964 | SH |  | SOLE |  | 964 | 0 | 0 |
| CLEARWAY ENERGY INC | CL C | 18539C204 |  | 6374 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| CLOROX CO DEL | COM | 189054109 |  | 14033 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 63610 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 14897 | 426 | SH |  | SOLE |  | 426 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 10856 | 92 | SH |  | SOLE |  | 92 | 0 | 0 |
| CORNING INC | COM | 219350105 |  | 3034 | 95 | SH |  | SOLE |  | 95 | 0 | 0 |
| CVS HEALTH CORP | COM | 126650100 |  | 35226 | 378 | SH |  | SOLE |  | 378 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 22561 | 85 | SH |  | SOLE |  | 85 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 123552 | 5501 | SH |  | SOLE |  | 5501 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 1489346 | 65871 | SH |  | SOLE |  | 31146 | 0 | 34725 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 314478 | 14327 | SH |  | SOLE |  | 10755 | 0 | 3572 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 3067111 | 100892 | SH |  | SOLE |  | 68254 | 0 | 32638 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 2611412 | 104290 | SH |  | SOLE |  | 55666 | 0 | 48624 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 21769 | 974 | SH |  | SOLE |  | 0 | 0 | 974 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 1984 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 407341 | 18937 | SH |  | SOLE |  | 10583 | 0 | 8354 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 623493 | 28073 | SH |  | SOLE |  | 17768 | 0 | 10305 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 7064597 | 147764 | SH |  | SOLE |  | 136791 | 0 | 10973 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 2688199 | 58325 | SH |  | SOLE |  | 58188 | 0 | 137 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 3466477 | 128293 | SH |  | SOLE |  | 61378 | 0 | 66915 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 29913 | 1232 | SH |  | SOLE |  | 1232 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US EQUITY ETF | 25434V401 |  | 1569987 | 37731 | SH |  | SOLE |  | 0 | 0 | 37731 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 413308 | 17214 | SH |  | SOLE |  | 15391 | 0 | 1823 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 727216 | 29646 | SH |  | SOLE |  | 26004 | 0 | 3642 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 224785 | 6714 | SH |  | SOLE |  | 6714 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 886091 | 41896 | SH |  | SOLE |  | 16005 | 0 | 25891 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 658164 | 12867 | SH |  | SOLE |  | 7994 | 0 | 4873 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 3195 | 129 | SH |  | SOLE |  | 100 | 0 | 29 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 837854 | 19064 | SH |  | SOLE |  | 10590 | 0 | 8474 |
| DISNEY WALT CO | COM | 254687106 |  | 105646 | 1216 | SH |  | SOLE |  | 1216 | 0 | 0 |
| DOMINION ENERGY INC | COM | 25746U109 |  | 6132 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| ESSENTIAL UTILS INC | COM | 29670G102 |  | 7160 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| EVERBRIDGE INC | COM | 29978A104 |  | 112108 | 3790 | SH |  | SOLE |  | 3790 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 300016 | 2720 | SH |  | SOLE |  | 2720 | 0 | 0 |
| FARMLAND PARTNERS INC | COM | 31154R109 |  | 4610 | 370 | SH |  | SOLE |  | 370 | 0 | 0 |
| FORD MTR CO DEL | COM | 345370860 |  | 1047 | 90 | SH |  | SOLE |  | 0 | 0 | 90 |
| FREEPORT-MCMORAN INC | CL B | 35671D857 |  | 19000 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 19849 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| GENERAL ELECTRIC CO | COM NEW | 369604301 |  | 40806 | 487 | SH |  | SOLE |  | 487 | 0 | 0 |
| GENERAL MLS INC | COM | 370334104 |  | 109005 | 1300 | SH |  | SOLE |  | 1300 | 0 | 0 |
| GENUINE PARTS CO | COM | 372460105 |  | 121457 | 700 | SH |  | SOLE |  | 700 | 0 | 0 |
| GLADSTONE LD CORP | COM | 376549101 |  | 16515 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| HALEON PLC | SPON ADS | 405552100 |  | 3200 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 145296 | 460 | SH |  | SOLE |  | 460 | 0 | 0 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 2128 | 54 | SH |  | SOLE |  | 54 | 0 | 0 |
| ICON PLC | SHS | G4705A100 |  | 9712 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 198270 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| INTEL CORP | COM | 458140100 |  | 66075 | 2500 | SH |  | SOLE |  | 2500 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 63400 | 450 | SH |  | SOLE |  | 450 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 26535 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| IROBOT CORP | COM | 462726100 |  | 19252 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 923352 | 19772 | SH |  | SOLE |  | 7352 | 0 | 12420 |
| ISHARES INC | EM MKT SM-CP ETF | 464286475 |  | 95063 | 1969 | SH |  | SOLE |  | 948 | 0 | 1021 |
| ISHARES INC | EM MKTS DIV ETF | 464286319 |  | 174368 | 7229 | SH |  | SOLE |  | 3856 | 0 | 3373 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 1805858 | 38042 | SH |  | SOLE |  | 16436 | 0 | 21606 |
| ISHARES TR | BLACKROCK ULTRA | 46434V878 |  | 1043534 | 20854 | SH |  | SOLE |  | 4583 | 0 | 16271 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 15445480 | 332590 | SH |  | SOLE |  | 162774 | 0 | 169816 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 409659 | 6646 | SH |  | SOLE |  | 1041 | 0 | 5605 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 225622 | 2384 | SH |  | SOLE |  | 2383 | 0 | 1 |
| ISHARES TR | CORE S US GWT | 464287671 |  | 17282 | 212 | SH |  | SOLE |  | 212 | 0 | 0 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 945426 | 13386 | SH |  | SOLE |  | 5935 | 0 | 7451 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 146510 | 2963 | SH |  | SOLE |  | 2238 | 0 | 725 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 84607 | 1498 | SH |  | SOLE |  | 910 | 0 | 588 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 4316139 | 94075 | SH |  | SOLE |  | 29603 | 0 | 64472 |
| ISHARES TR | GLOB HLTHCRE ETF | 464287325 |  | 8488 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| ISHARES TR | GLOB UTILITS ETF | 464288711 |  | 9026 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| ISHARES TR | INTL DEV RE ETF | 464288489 |  | 996833 | 47333 | SH |  | SOLE |  | 30506 | 0 | 16827 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 93114 | 1869 | SH |  | SOLE |  | 1095 | 0 | 774 |
| ISHARES TR | MBS ETF | 464288588 |  | 78930 | 851 | SH |  | SOLE |  | 851 | 0 | 0 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 180794 | 2130 | SH |  | SOLE |  | 2130 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 171714 | 2616 | SH |  | SOLE |  | 2616 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 310553 | 8194 | SH |  | SOLE |  | 8194 | 0 | 0 |
| ISHARES TR | MSCI IRELAND ETF | 46429B507 |  | 9146 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 54946 | 261 | SH |  | SOLE |  | 261 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 1466687 | 6846 | SH |  | SOLE |  | 6846 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1512709 | 9975 | SH |  | SOLE |  | 9975 | 0 | 0 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 1931 | 9 | SH |  | SOLE |  | 9 | 0 | 0 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 2357 | 17 | SH |  | SOLE |  | 17 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 389242 | 4656 | SH |  | SOLE |  | 4656 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 213630 | 2028 | SH |  | SOLE |  | 2028 | 0 | 0 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 36180 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 2487778 | 23859 | SH |  | SOLE |  | 16495 | 0 | 7364 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 48830 | 580 | SH |  | SOLE |  | 580 | 0 | 0 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 497593 | 6680 | SH |  | SOLE |  | 6680 | 0 | 0 |
| ISHARES TR | US INDUSTRIALS | 464287754 |  | 96460 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 260559 | 1475 | SH |  | SOLE |  | 1475 | 0 | 0 |
| JPMORGAN CHASE  CO | COM | 46625H100 |  | 77108 | 575 | SH |  | SOLE |  | 575 | 0 | 0 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 54300 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| KONTOOR BRANDS INC | COM | 50050N103 |  | 4559 | 114 | SH |  | SOLE |  | 114 | 0 | 0 |
| KRAFT HEINZ CO | COM | 500754106 |  | 24426 | 600 | SH |  | SOLE |  | 600 | 0 | 0 |
| KYNDRYL HLDGS INC | COMMON STOCK | 50155Q100 |  | 1001 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 16657 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| LIBERTY GLOBAL PLC | SHS CL A | G5480U104 |  | 398 | 21 | SH |  | SOLE |  | 21 | 0 | 0 |
| LIBERTY GLOBAL PLC | SHS CL C | G5480U120 |  | 1224 | 63 | SH |  | SOLE |  | 63 | 0 | 0 |
| LIBERTY LATIN AMERICA LTD | COM CL A | G9001E102 |  | 23 | 3 | SH |  | SOLE |  | 3 | 0 | 0 |
| LIBERTY LATIN AMERICA LTD | COM CL C | G9001E128 |  | 76 | 10 | SH |  | SOLE |  | 10 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 24324 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| LUNA INNOVATIONS INC | COM | 550351100 |  | 17580 | 2000 | SH |  | SOLE |  | 2000 | 0 | 0 |
| MARKEL CORP | COM | 570535104 |  | 42160 | 32 | SH |  | SOLE |  | 32 | 0 | 0 |
| MARVELL TECHNOLOGY INC | COM | 573874104 |  | 21631 | 584 | SH |  | SOLE |  | 584 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 53898 | 155 | SH |  | SOLE |  | 155 | 0 | 0 |
| MCCORMICK  CO INC | COM NON VTG | 579780206 |  | 132624 | 1600 | SH |  | SOLE |  | 1600 | 0 | 0 |
| MEDICAL PPTYS TRUST INC | COM | 58463J304 |  | 7798 | 700 | SH |  | SOLE |  | 700 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 320978 | 2893 | SH |  | SOLE |  | 2893 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 20698 | 172 | SH |  | SOLE |  | 172 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 166915 | 696 | SH |  | SOLE |  | 696 | 0 | 0 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 53320 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 25506 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 19167 | 65 | SH |  | SOLE |  | 65 | 0 | 0 |
| NEXTERA ENERGY INC | COM | 65339F101 |  | 8360 | 100 | SH |  | SOLE |  | 50 | 0 | 50 |
| NIKE INC | CL B | 654106103 |  | 94501 | 808 | SH |  | SOLE |  | 808 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 197136 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 73112 | 134 | SH |  | SOLE |  | 134 | 0 | 0 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 13608 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| OCCIDENTAL PETE CORP | *W EXP 08/03/202 | 674599162 |  | 1031 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 12598 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| ORGANON  CO | COMMON STOCK | 68622V106 |  | 6982 | 250 | SH |  | SOLE |  | 250 | 0 | 0 |
| PACER FDS TR | GLOBL CASH ETF | 69374H709 |  | 889 | 28 | SH |  | SOLE |  | 28 | 0 | 0 |
| PACER FDS TR | US CASH COWS 100 | 69374H881 |  | 4949 | 107 | SH |  | SOLE |  | 107 | 0 | 0 |
| PAYPAL HLDGS INC | COM | 70450Y103 |  | 10398 | 146 | SH |  | SOLE |  | 146 | 0 | 0 |
| PELOTON INTERACTIVE INC | CL A COM | 70614W100 |  | 3970 | 500 | SH |  | SOLE |  | 500 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 26196 | 145 | SH |  | SOLE |  | 145 | 0 | 0 |
| PHILLIPS 66 | COM | 718546104 |  | 4788 | 46 | SH |  | SOLE |  | 46 | 0 | 0 |
| PLUG POWER INC | COM NEW | 72919P202 |  | 2053 | 166 | SH |  | SOLE |  | 166 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 276597 | 1825 | SH |  | SOLE |  | 1825 | 0 | 0 |
| QUALCOMM INC | COM | 747525103 |  | 22648 | 206 | SH |  | SOLE |  | 206 | 0 | 0 |
| RAMBUS INC DEL | COM | 750917106 |  | 20596 | 575 | SH |  | SOLE |  | 575 | 0 | 0 |
| REGENERON PHARMACEUTICALS | COM | 75886F107 |  | 93794 | 130 | SH |  | SOLE |  | 130 | 0 | 0 |
| ROCKWELL AUTOMATION INC | COM | 773903109 |  | 12878 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| ROYAL BK CDA SUSTAINABL | COM | 780087102 |  | 2350 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| SANOFI | SPONSORED ADR | 80105N105 |  | 7264 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| SCHLUMBERGER LTD | COM STK | 806857108 |  | 40095 | 750 | SH |  | SOLE |  | 750 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 521 | 22 | SH |  | SOLE |  | 22 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 6957 | 216 | SH |  | SOLE |  | 216 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 31564 | 1003 | SH |  | SOLE |  | 2 | 0 | 1001 |
| SCHWAB STRATEGIC TR | INT-TRM U.S TRES | 808524854 |  | 16935 | 344 | SH |  | SOLE |  | 65 | 0 | 279 |
| SCHWAB STRATEGIC TR | SHT TM US TRES | 808524862 |  | 20598 | 427 | SH |  | SOLE |  | 48 | 0 | 379 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 18686 | 417 | SH |  | SOLE |  | 417 | 0 | 0 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 231 | 12 | SH |  | SOLE |  | 12 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 13206 | 326 | SH |  | SOLE |  | 326 | 0 | 0 |
| SELECT SECTOR SPDR TR | ENERGY | 81369Y506 |  | 64116 | 733 | SH |  | SOLE |  | 733 | 0 | 0 |
| SELECT SECTOR SPDR TR | FINANCIAL | 81369Y605 |  | 28249 | 826 | SH |  | SOLE |  | 826 | 0 | 0 |
| SELECT SECTOR SPDR TR | SBI CONS STPLS | 81369Y308 |  | 78948 | 1059 | SH |  | SOLE |  | 1059 | 0 | 0 |
| SPDR GOLD TR | GOLD SHS | 78463V107 |  | 11875 | 70 | SH |  | SOLE |  | 70 | 0 | 0 |
| SPDR INDEX SHS FDS | DJ INTL RL ETF | 78463X863 |  | 863279 | 32248 | SH |  | SOLE |  | 4145 | 0 | 28103 |
| SPDR INDEX SHS FDS | S EM MKT DIV | 78463X533 |  | 498720 | 20780 | SH |  | SOLE |  | 2760 | 0 | 18020 |
| SPDR INDEX SHS FDS | S EMKTSC ETF | 78463X756 |  | 874302 | 17865 | SH |  | SOLE |  | 8281 | 0 | 9584 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 8558 | 291 | SH |  | SOLE |  | 255 | 0 | 36 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 286822 | 750 | SH |  | SOLE |  | 750 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 219181 | 495 | SH |  | SOLE |  | 495 | 0 | 0 |
| SPDR SER TR | BLOOMBERG INTL T | 78464A516 |  | 3589 | 160 | SH |  | SOLE |  | 0 | 0 | 160 |
| SPDR SER TR | PRTFLO S GW | 78464A409 |  | 9222 | 182 | SH |  | SOLE |  | 182 | 0 | 0 |
| SPDR SER TR | S 600 SMCP VAL | 78464A300 |  | 1484 | 20 | SH |  | SOLE |  | 0 | 0 | 20 |
| STATE STR CORP | COM | 857477103 |  | 15514 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 27895 | 226 | SH |  | SOLE |  | 226 | 0 | 0 |
| TEXAS INSTRS INC | COM | 882508104 |  | 103262 | 625 | SH |  | SOLE |  | 625 | 0 | 0 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 13447 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 16007 | 372 | SH |  | SOLE |  | 372 | 0 | 0 |
| UNILEVER PLC | SPON ADR NEW | 904767704 |  | 20694 | 411 | SH |  | SOLE |  | 411 | 0 | 0 |
| V F CORP | COM | 918204108 |  | 22088 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 1440257 | 19132 | SH |  | SOLE |  | 10696 | 0 | 8436 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 38323 | 808 | SH |  | SOLE |  | 808 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 81621 | 383 | SH |  | SOLE |  | 383 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 46658 | 345 | SH |  | SOLE |  | 74 | 0 | 271 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 60532 | 297 | SH |  | SOLE |  | 122 | 0 | 175 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 2562771 | 31071 | SH |  | SOLE |  | 12504 | 0 | 18567 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 2255595 | 14204 | SH |  | SOLE |  | 6754 | 0 | 7450 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1707531 | 9303 | SH |  | SOLE |  | 4647 | 0 | 4656 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 9409757 | 49217 | SH |  | SOLE |  | 18476 | 0 | 30741 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 7971892 | 56792 | SH |  | SOLE |  | 27017 | 0 | 29775 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 324431 | 8323 | SH |  | SOLE |  | 3262 | 0 | 5061 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 341690 | 3324 | SH |  | SOLE |  | 931 | 0 | 2393 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 1842193 | 44562 | SH |  | SOLE |  | 20420 | 0 | 24142 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 108427 | 1258 | SH |  | SOLE |  | 1258 | 0 | 0 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 1616540 | 34608 | SH |  | SOLE |  | 23762 | 0 | 10846 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 23260 | 470 | SH |  | SOLE |  | 183 | 0 | 287 |
| VANGUARD SCOTTSDALE FDS | INT-TERM CORP | 92206C870 |  | 21238 | 274 | SH |  | SOLE |  | 274 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | LG-TERM COR BD | 92206C813 |  | 19912 | 263 | SH |  | SOLE |  | 263 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 961951 | 16637 | SH |  | SOLE |  | 10269 | 0 | 6368 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 21805 | 290 | SH |  | SOLE |  | 290 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 22599 | 410 | SH |  | SOLE |  | 410 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 23303 | 350 | SH |  | SOLE |  | 350 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 262315 | 1727 | SH |  | SOLE |  | 1727 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 3103 | 60 | SH |  | SOLE |  | 0 | 0 | 60 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2568995 | 61210 | SH |  | SOLE |  | 25446 | 0 | 35764 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 920595 | 15454 | SH |  | SOLE |  | 3524 | 0 | 11930 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 270150 | 1570 | SH |  | SOLE |  | 1570 | 0 | 0 |
| VANGUARD WORLD FDS | CONSUM STP ETF | 92204A207 |  | 5364 | 28 | SH |  | SOLE |  | 28 | 0 | 0 |
| VANGUARD WORLD FDS | FINANCIALS ETF | 92204A405 |  | 35078 | 424 | SH |  | SOLE |  | 424 | 0 | 0 |
| VANGUARD WORLD FDS | INF TECH ETF | 92204A702 |  | 111794 | 350 | SH |  | SOLE |  | 350 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 41552 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| VIVAKOR INC | COM NEW | 92852R403 |  | 25527 | 24849 | SH |  | SOLE |  | 24849 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 170148 | 1200 | SH |  | SOLE |  | 1200 | 0 | 0 |
| WARNER BROS DISCOVERY INC | COM SER A | 934423104 |  | 2285 | 241 | SH |  | SOLE |  | 241 | 0 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 12550 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 39192 | 418 | SH |  | SOLE |  | 418 | 0 | 0 |
| WELLTOWER INC | COM | 95040Q104 |  | 11602 | 177 | SH |  | SOLE |  | 177 | 0 | 0 |
| WISDOMTREE TR | INTL SMCAP DIV | 97717W760 |  | 428890 | 7400 | SH |  | SOLE |  | 2219 | 0 | 5181 |
| XYLEM INC | COM | 98419M100 |  | 16586 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |

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