# EDGAR Filing Document

**Accession Number:** 0001891201
**File Stem:** 0001891201-26-000001
**Filing Date:** 2026-1
**Character Count:** 29954
**Document Hash:** cbebb44c21bbd64c2d5041b5dab3ab00
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001891201-26-000001.hdr.sgml**: 20260120

**ACCESSION NUMBER**: 0001891201-26-000001

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

**PUBLIC DOCUMENT COUNT**: 2

**CONFORMED PERIOD OF REPORT**: 20251231

**FILED AS OF DATE**: 20260120

**DATE AS OF CHANGE**: 20260120

**EFFECTIVENESS DATE**: 20260120

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** MARYLAND CAPITAL ADVISORS INC.
- **CENTRAL INDEX KEY:** 0001891201

**ORGANIZATION NAME:**
- **EIN:** 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:** 26542326

**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:** 12-31-2025

**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

**CRD Number (if applicable):** 000134875

**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:** Mike Damas<br>**Title:** President and Chief Compliance Officer<br>**Phone:** 4106042741

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

Mike Damas  Chester, MD  01-20-2026<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:** 271

**Form 13F Information Table Value Total:** $295485663

      (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 |
| ABBOTT LABS | COM | 002824100 |  | 87578 | 699 | SH |  | SOLE |  | 699 | 0 | 0 |
| ABBVIE INC | COM | 00287Y109 |  | 225520 | 987 | SH |  | SOLE |  | 987 | 0 | 0 |
| ADAMS DIVERSIFIED EQUITY FD | COM | 006212104 |  | 4081 | 175 | SH |  | SOLE |  | 175 | 0 | 0 |
| ALCOA CORP | COM | 013872106 |  | 532 | 10 | SH |  | SOLE |  | 10 | 0 | 0 |
| ALCON AG | ORD SHS | H01301128 |  | 3547 | 45 | SH |  | SOLE |  | 45 | 0 | 0 |
| ALPHABET INC | CAP STK CL A | 02079K305 |  | 78250 | 250 | SH |  | SOLE |  | 250 | 0 | 0 |
| ALPHABET INC | CAP STK CL C | 02079K107 |  | 83471 | 266 | SH |  | SOLE |  | 266 | 0 | 0 |
| ALTRIA GROUP INC | COM | 02209S103 |  | 36018 | 625 | SH |  | SOLE |  | 625 | 0 | 0 |
| AMAZON COM INC | COM | 023135106 |  | 84481 | 366 | SH |  | SOLE |  | 354 | 0 | 12 |
| AMGEN INC | COM | 031162100 |  | 227808 | 696 | SH |  | SOLE |  | 696 | 0 | 0 |
| AMPLITECH GROUP INC | COM NEW | 03211Q200 |  | 598 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| APPLE INC | COM | 037833100 |  | 13182673 | 48491 | SH |  | SOLE |  | 23245 | 0 | 25246 |
| APPLOVIN CORP | COM CL A | 03831W108 |  | 11455 | 17 | SH |  | SOLE |  | 17 | 0 | 0 |
| ARCHER DANIELS MIDLAND CO | COM | 039483102 |  | 2875 | 50 | SH |  | SOLE |  | 50 | 0 | 0 |
| ASTRAZENECA PLC | SPONSORED ADR | 046353108 |  | 7079 | 77 | SH |  | SOLE |  | 77 | 0 | 0 |
| AT INC | COM | 00206R102 |  | 59989 | 2415 | SH |  | SOLE |  | 2415 | 0 | 0 |
| AUTOMATIC DATA PROCESSING IN | COM | 053015103 |  | 535039 | 2080 | SH |  | SOLE |  | 2080 | 0 | 0 |
| AWARE INC MASS | COM | 05453N100 |  | 930 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| BERKSHIRE HATHAWAY INC DEL | CL B NEW | 084670702 |  | 1034454 | 2058 | SH |  | SOLE |  | 2008 | 0 | 50 |
| BLACKROCK INC | COM | 09290D101 |  | 254741 | 238 | SH |  | SOLE |  | 238 | 0 | 0 |
| BOEING CO | COM | 097023105 |  | 11942 | 55 | SH |  | SOLE |  | 55 | 0 | 0 |
| BRANCHOUT FOOD INC | COM | 105230106 |  | 1590 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| BROADCOM INC | COM | 11135F101 |  | 1030340 | 2977 | SH |  | SOLE |  | 2977 | 0 | 0 |
| CHARTER COMMUNICATIONS INC N | CL A | 16119P108 |  | 835 | 4 | SH |  | SOLE |  | 4 | 0 | 0 |
| CHEVRON CORP NEW | COM | 166764100 |  | 587693 | 3856 | SH |  | SOLE |  | 3856 | 0 | 0 |
| CHOICE HOTELS INTL INC | COM | 169905106 |  | 95642 | 1004 | SH |  | SOLE |  | 1004 | 0 | 0 |
| CISCO SYS INC | COM | 17275R102 |  | 156680 | 2034 | SH |  | SOLE |  | 2034 | 0 | 0 |
| CITIGROUP INC | COM NEW | 172967424 |  | 78861 | 676 | SH |  | SOLE |  | 676 | 0 | 0 |
| COCA COLA CO | COM | 191216100 |  | 69910 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| COMCAST CORP NEW | CL A | 20030N101 |  | 12734 | 426 | SH |  | SOLE |  | 426 | 0 | 0 |
| CONOCOPHILLIPS | COM | 20825C104 |  | 7957 | 85 | SH |  | SOLE |  | 85 | 0 | 0 |
| CONSOLIDATED EDISON INC | COM | 209115104 |  | 22745 | 229 | SH |  | SOLE |  | 229 | 0 | 0 |
| CONSTELLATION ENERGY CORP | COM | 21037T109 |  | 9539 | 27 | SH |  | SOLE |  | 27 | 0 | 0 |
| COPART INC | COM | 217204106 |  | 7126 | 182 | SH |  | SOLE |  | 182 | 0 | 0 |
| CORNING INC | COM | 219350105 |  | 8319 | 95 | SH |  | SOLE |  | 95 | 0 | 0 |
| CORTEVA INC | COM | 22052L104 |  | 26008 | 388 | SH |  | SOLE |  | 388 | 0 | 0 |
| CVS HEALTH CORP | COM | 126650100 |  | 12301 | 155 | SH |  | SOLE |  | 155 | 0 | 0 |
| DANAHER CORPORATION | COM | 235851102 |  | 19459 | 85 | SH |  | SOLE |  | 85 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS CO | 25434V732 |  | 178666 | 5401 | SH |  | SOLE |  | 5401 | 0 | 0 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS HI | 25434V757 |  | 430493 | 13349 | SH |  | SOLE |  | 12258 | 0 | 1091 |
| DIMENSIONAL ETF TRUST | EMERGING MKTS VA | 25434V740 |  | 4494780 | 133218 | SH |  | SOLE |  | 90442 | 0 | 42776 |
| DIMENSIONAL ETF TRUST | EMGR CRE EQT MNG | 25434V302 |  | 298146 | 9154 | SH |  | SOLE |  | 6327 | 0 | 2827 |
| DIMENSIONAL ETF TRUST | INTERNATNAL VAL | 25434V807 |  | 11582682 | 232118 | SH |  | SOLE |  | 179759 | 0 | 52359 |
| DIMENSIONAL ETF TRUST | INTL CORE EQT MK | 25434V203 |  | 8251988 | 216531 | SH |  | SOLE |  | 154688 | 0 | 61843 |
| DIMENSIONAL ETF TRUST | INTL CORE EQUITY | 25434V799 |  | 130983 | 3801 | SH |  | SOLE |  | 28 | 0 | 3773 |
| DIMENSIONAL ETF TRUST | INTL HIGH PROFIT | 25434V765 |  | 694319 | 21927 | SH |  | SOLE |  | 18427 | 0 | 3500 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP E | 25434V773 |  | 1899420 | 57663 | SH |  | SOLE |  | 46593 | 0 | 11070 |
| DIMENSIONAL ETF TRUST | INTL SMALL CAP V | 25434V781 |  | 2928454 | 77065 | SH |  | SOLE |  | 52731 | 0 | 24334 |
| DIMENSIONAL ETF TRUST | NATL MUN BD ETF | 25434V849 |  | 7085567 | 147095 | SH |  | SOLE |  | 122319 | 0 | 24776 |
| DIMENSIONAL ETF TRUST | SHORT DURATION F | 25434V864 |  | 2581389 | 53835 | SH |  | SOLE |  | 52527 | 0 | 1308 |
| DIMENSIONAL ETF TRUST | ULTRASHORT FIXED | 25434V591 |  | 3394 | 67 | SH |  | SOLE |  | 67 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US CORE EQT MKT | 25434V104 |  | 17561168 | 375239 | SH |  | SOLE |  | 236790 | 0 | 138449 |
| DIMENSIONAL ETF TRUST | US CORE EQUITY 2 | 25434V708 |  | 63978 | 1616 | SH |  | SOLE |  | 299 | 0 | 1317 |
| DIMENSIONAL ETF TRUST | US EQUITY MARKET | 25434V401 |  | 2798509 | 37731 | SH |  | SOLE |  | 0 | 0 | 37731 |
| DIMENSIONAL ETF TRUST | US HIGH PROFITAB | 25434V831 |  | 1834301 | 48233 | SH |  | SOLE |  | 43637 | 0 | 4596 |
| DIMENSIONAL ETF TRUST | US LARGE CAP VAL | 25434V666 |  | 12015753 | 351235 | SH |  | SOLE |  | 298452 | 0 | 52783 |
| DIMENSIONAL ETF TRUST | US MKTWIDE VALUE | 25434V724 |  | 312806 | 6714 | SH |  | SOLE |  | 6714 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US REAL ESTATE E | 25434V823 |  | 3736599 | 163162 | SH |  | SOLE |  | 109229 | 0 | 53933 |
| DIMENSIONAL ETF TRUST | US SMALL CAP ETF | 25434V500 |  | 3456769 | 49616 | SH |  | SOLE |  | 37270 | 0 | 12346 |
| DIMENSIONAL ETF TRUST | US SMALL CAP VAL | 25434V815 |  | 99 | 3 | SH |  | SOLE |  | 3 | 0 | 0 |
| DIMENSIONAL ETF TRUST | US TARGETED VLU | 25434V609 |  | 4988931 | 83791 | SH |  | SOLE |  | 61104 | 0 | 22687 |
| DIMENSIONAL ETF TRUST | WORLD EQUITY ETF | 25434V617 |  | 10802 | 146 | SH |  | SOLE |  | 146 | 0 | 0 |
| DISNEY WALT CO | COM | 254687106 |  | 138345 | 1216 | SH |  | SOLE |  | 1216 | 0 | 0 |
| EATON VANCE TAX ADVT DIV INC | COM | 27828G107 |  | 23493 | 933 | SH |  | SOLE |  | 933 | 0 | 0 |
| ELI LILLY  CO | COM | 532457108 |  | 24718 | 23 | SH |  | SOLE |  | 23 | 0 | 0 |
| ETF SER SOLUTIONS | US GLB JETS | 26922A842 |  | 293645 | 10461 | SH |  | SOLE |  | 10461 | 0 | 0 |
| EXXON MOBIL CORP | COM | 30231G102 |  | 327325 | 2720 | SH |  | SOLE |  | 2720 | 0 | 0 |
| FIDELITY MERRIMACK STR TR | TOTAL BD ETF | 316188309 |  | 37891 | 823 | SH |  | SOLE |  | 823 | 0 | 0 |
| FLAHERTY  CRUMRINE PFD SECS | COM | 338478100 |  | 92456 | 5600 | SH |  | SOLE |  | 0 | 0 | 5600 |
| FORD MTR CO | COM | 345370860 |  | 1181 | 90 | SH |  | SOLE |  | 0 | 0 | 90 |
| FREEPORT-MCMORAN INC | CL B | 35671D857 |  | 12342 | 243 | SH |  | SOLE |  | 243 | 0 | 0 |
| GE AEROSPACE | COM NEW | 369604301 |  | 190055 | 617 | SH |  | SOLE |  | 617 | 0 | 0 |
| GE HEALTHCARE TECHNOLOGIES I | COMMON STOCK | 36266G107 |  | 14272 | 174 | SH |  | SOLE |  | 174 | 0 | 0 |
| GE VERNOVA INC | COM | 36828A101 |  | 95422 | 146 | SH |  | SOLE |  | 146 | 0 | 0 |
| GENERAL DYNAMICS CORP | COM | 369550108 |  | 26933 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| GENERAL MLS INC | COM | 370334104 |  | 51150 | 1100 | SH |  | SOLE |  | 1100 | 0 | 0 |
| GENUINE PARTS CO | COM | 372460105 |  | 86072 | 700 | SH |  | SOLE |  | 700 | 0 | 0 |
| GLADSTONE LD CORP | COM | 376549101 |  | 3139 | 343 | SH |  | SOLE |  | 343 | 0 | 0 |
| GLOBAL INDEMNITY GROUP LLC | COM CL A | 37959R103 |  | 330032 | 11629 | SH |  | SOLE |  | 0 | 0 | 11629 |
| HARTFORD INSURANCE GROUP INC | COM | 416515104 |  | 9509 | 69 | SH |  | SOLE |  | 69 | 0 | 0 |
| HEWLETT PACKARD ENTERPRISE C | COM | 42824C109 |  | 457 | 19 | SH |  | SOLE |  | 19 | 0 | 0 |
| HOME DEPOT INC | COM | 437076102 |  | 335498 | 975 | SH |  | SOLE |  | 975 | 0 | 0 |
| HOWMET AEROSPACE INC | COM | 443201108 |  | 14967 | 73 | SH |  | SOLE |  | 73 | 0 | 0 |
| HP INC | COM | 40434L105 |  | 446 | 20 | SH |  | SOLE |  | 20 | 0 | 0 |
| ICON PLC | SHS | G4705A100 |  | 2916 | 16 | SH |  | SOLE |  | 16 | 0 | 0 |
| ILLINOIS TOOL WKS INC | COM | 452308109 |  | 354672 | 1440 | SH |  | SOLE |  | 1440 | 0 | 0 |
| IMPERIAL PETE INC | COM NEW | Y3894J187 |  | 724 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| INTEL CORP | COM | 458140100 |  | 92250 | 2500 | SH |  | SOLE |  | 2500 | 0 | 0 |
| INTERNATIONAL BUSINESS MACHS | COM | 459200101 |  | 279623 | 944 | SH |  | SOLE |  | 944 | 0 | 0 |
| INTUITIVE SURGICAL INC | COM NEW | 46120E602 |  | 70795 | 125 | SH |  | SOLE |  | 125 | 0 | 0 |
| INVESCO EXCH TRADED FD TR II | RAFI DVLPD MRKTS | 46138E743 |  | 6227 | 95 | SH |  | SOLE |  | 95 | 0 | 0 |
| INVESCO EXCHANGE TRADED FD T | RAFI US 1500 | 46137V597 |  | 5691 | 124 | SH |  | SOLE |  | 124 | 0 | 0 |
| ISHARES INC | CORE MSCI EMKT | 46434G103 |  | 617483 | 9186 | SH |  | SOLE |  | 4571 | 0 | 4615 |
| ISHARES INC | EM MKT SM-CP ETF | 464286475 |  | 93258 | 1382 | SH |  | SOLE |  | 774 | 0 | 608 |
| ISHARES INC | MSCI EMRG CHN | 46434G764 |  | 3251368 | 44735 | SH |  | SOLE |  | 21854 | 0 | 22881 |
| ISHARES TR | 0-3 MNTH TREASRY | 46436E718 |  | 47312 | 471 | SH |  | SOLE |  | 331 | 0 | 140 |
| ISHARES TR | 0-5 YR TIPS ETF | 46429B747 |  | 6656 | 65 | SH |  | SOLE |  | 26 | 0 | 39 |
| ISHARES TR | 10+ YR INVST GRD | 464289511 |  | 175163 | 3472 | SH |  | SOLE |  | 0 | 0 | 3472 |
| ISHARES TR | 20 YR TR BD ETF | 464287432 |  | 154448 | 1772 | SH |  | SOLE |  | 0 | 0 | 1772 |
| ISHARES TR | CORE 1 5 YR USD | 46432F859 |  | 7948745 | 163051 | SH |  | SOLE |  | 130908 | 0 | 32143 |
| ISHARES TR | CORE MSCI EAFE | 46432F842 |  | 361956 | 4046 | SH |  | SOLE |  | 990 | 0 | 3056 |
| ISHARES TR | CORE S MCP ETF | 464287507 |  | 36432 | 552 | SH |  | SOLE |  | 552 | 0 | 0 |
| ISHARES TR | CORE S SCP ETF | 464287804 |  | 236034 | 1964 | SH |  | SOLE |  | 1963 | 0 | 1 |
| ISHARES TR | CORE S US VLU | 464287663 |  | 1339292 | 13061 | SH |  | SOLE |  | 5616 | 0 | 7445 |
| ISHARES TR | CORE S ETF | 464287200 |  | 58905 | 86 | SH |  | SOLE |  | 86 | 0 | 0 |
| ISHARES TR | CRE U S REIT ETF | 464288521 |  | 104123 | 1828 | SH |  | SOLE |  | 1828 | 0 | 0 |
| ISHARES TR | EAFE GRWTH ETF | 464288885 |  | 21759 | 191 | SH |  | SOLE |  | 191 | 0 | 0 |
| ISHARES TR | EAFE SML CP ETF | 464288273 |  | 60629 | 782 | SH |  | SOLE |  | 401 | 0 | 381 |
| ISHARES TR | EAFE VALUE ETF | 464288877 |  | 5408762 | 75742 | SH |  | SOLE |  | 26562 | 0 | 49180 |
| ISHARES TR | IBDS DEC28 ETF | 46435U515 |  | 18710 | 735 | SH |  | SOLE |  | 735 | 0 | 0 |
| ISHARES TR | IBONDS 27 ETF | 46435UAA9 |  | 301777 | 12429 | SH |  | SOLE |  | 11259 | 0 | 1170 |
| ISHARES TR | IBONDS DEC2026 | 46435GAA0 |  | 602455 | 24864 | SH |  | SOLE |  | 8266 | 0 | 16598 |
| ISHARES TR | INTL DEV RE ETF | 464288489 |  | 553860 | 23987 | SH |  | SOLE |  | 15504 | 0 | 8483 |
| ISHARES TR | ISHS 1-5YR INVS | 464288646 |  | 65653347 | 1241553 | SH |  | SOLE |  | 849985 | 0 | 391568 |
| ISHARES TR | MSCI ACWI ETF | 464288257 |  | 301374 | 2130 | SH |  | SOLE |  | 2130 | 0 | 0 |
| ISHARES TR | MSCI EAFE ETF | 464287465 |  | 167477 | 1744 | SH |  | SOLE |  | 1744 | 0 | 0 |
| ISHARES TR | MSCI EMG MKT ETF | 464287234 |  | 407316 | 7445 | SH |  | SOLE |  | 7445 | 0 | 0 |
| ISHARES TR | MSCI IRELAND ETF | 46429B507 |  | 11321 | 154 | SH |  | SOLE |  | 154 | 0 | 0 |
| ISHARES TR | MSCI USA MIN VOL | 46429B697 |  | 174008 | 1848 | SH |  | SOLE |  | 1848 | 0 | 0 |
| ISHARES TR | RUS 1000 ETF | 464287622 |  | 97468 | 261 | SH |  | SOLE |  | 261 | 0 | 0 |
| ISHARES TR | RUS 1000 GRW ETF | 464287614 |  | 3090176 | 6529 | SH |  | SOLE |  | 6529 | 0 | 0 |
| ISHARES TR | RUS 1000 VAL ETF | 464287598 |  | 1885488 | 8964 | SH |  | SOLE |  | 8964 | 0 | 0 |
| ISHARES TR | RUS 2000 GRW ETF | 464287648 |  | 1939 | 6 | SH |  | SOLE |  | 6 | 0 | 0 |
| ISHARES TR | RUS 2000 VAL ETF | 464287630 |  | 1269 | 7 | SH |  | SOLE |  | 7 | 0 | 0 |
| ISHARES TR | RUS MD CP GR ETF | 464287481 |  | 637593 | 4656 | SH |  | SOLE |  | 4656 | 0 | 0 |
| ISHARES TR | RUS MDCP VAL ETF | 464287473 |  | 286050 | 2028 | SH |  | SOLE |  | 2028 | 0 | 0 |
| ISHARES TR | RUSSELL 2000 ETF | 464287655 |  | 43817 | 178 | SH |  | SOLE |  | 178 | 0 | 0 |
| ISHARES TR | SELECT DIVID ETF | 464287168 |  | 77345 | 548 | SH |  | SOLE |  | 548 | 0 | 0 |
| ISHARES TR | SHRT NAT MUN ETF | 464288158 |  | 1433302 | 13433 | SH |  | SOLE |  | 10409 | 0 | 3024 |
| ISHARES TR | U.S. REAL ES ETF | 464287739 |  | 54457 | 580 | SH |  | SOLE |  | 580 | 0 | 0 |
| ISHARES TR | U.S. TECH ETF | 464287721 |  | 1333863 | 6680 | SH |  | SOLE |  | 6680 | 0 | 0 |
| ISHARES TR | ULTRA SHORT DUR | 46434V878 |  | 569025 | 11250 | SH |  | SOLE |  | 0 | 0 | 11250 |
| ISHARES TR | US INDUSTRIALS | 464287754 |  | 148170 | 1000 | SH |  | SOLE |  | 1000 | 0 | 0 |
| J P MORGAN EXCHANGE TRADED F | ULTRA SHRT ETF | 46641Q837 |  | 4756 | 94 | SH |  | SOLE |  | 94 | 0 | 0 |
| JOHNSON  JOHNSON | COM | 478160104 |  | 299043 | 1445 | SH |  | SOLE |  | 1445 | 0 | 0 |
| JPMORGAN CHASE  CO. | COM | 46625H100 |  | 453950 | 1409 | SH |  | SOLE |  | 1409 | 0 | 0 |
| KIMBERLY-CLARK CORP | COM | 494368103 |  | 40356 | 400 | SH |  | SOLE |  | 400 | 0 | 0 |
| KYNDRYL HLDGS INC | COMMON STOCK | 50155Q100 |  | 2391 | 90 | SH |  | SOLE |  | 90 | 0 | 0 |
| L3HARRIS TECHNOLOGIES INC | COM | 502431109 |  | 11156 | 38 | SH |  | SOLE |  | 38 | 0 | 0 |
| LIBERTY GLOBAL LTD | COM CL A | G61188101 |  | 234 | 21 | SH |  | SOLE |  | 21 | 0 | 0 |
| LIBERTY GLOBAL LTD | COM CL C | G61188127 |  | 696 | 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 |  | 75 | 10 | SH |  | SOLE |  | 10 | 0 | 0 |
| LOCKHEED MARTIN CORP | COM | 539830109 |  | 6288 | 13 | SH |  | SOLE |  | 13 | 0 | 0 |
| MARKEL GROUP INC | COM | 570535104 |  | 68789 | 32 | SH |  | SOLE |  | 32 | 0 | 0 |
| MARVELL TECHNOLOGY INC | COM | 573874104 |  | 49629 | 584 | SH |  | SOLE |  | 584 | 0 | 0 |
| MASTERCARD INCORPORATED | CL A | 57636Q104 |  | 61085 | 107 | SH |  | SOLE |  | 107 | 0 | 0 |
| MCCORMICK  CO INC | COM NON VTG | 579780206 |  | 332582 | 4883 | SH |  | SOLE |  | 1600 | 0 | 3283 |
| MCDONALDS CORP | COM | 580135101 |  | 146397 | 479 | SH |  | SOLE |  | 479 | 0 | 0 |
| MERCK  CO INC | COM | 58933Y105 |  | 292308 | 2777 | SH |  | SOLE |  | 2777 | 0 | 0 |
| META PLATFORMS INC | CL A | 30303M102 |  | 190767 | 289 | SH |  | SOLE |  | 289 | 0 | 0 |
| MICROSOFT CORP | COM | 594918104 |  | 1106318 | 2288 | SH |  | SOLE |  | 2288 | 0 | 0 |
| MICROVAST HOLDINGS INC | COM | 59516C106 |  | 1400 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| MONDELEZ INTL INC | CL A | 609207105 |  | 46994 | 873 | SH |  | SOLE |  | 873 | 0 | 0 |
| MOODYS CORP | COM | 615369105 |  | 48020 | 94 | SH |  | SOLE |  | 94 | 0 | 0 |
| MORGAN STANLEY | COM NEW | 617446448 |  | 53259 | 300 | SH |  | SOLE |  | 300 | 0 | 0 |
| NETFLIX INC | COM | 64110L106 |  | 84384 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| NEW YORK TIMES CO | CL A | 650111107 |  | 6942 | 100 | SH |  | SOLE |  | 0 | 0 | 100 |
| NIKE INC | CL B | 654106103 |  | 50968 | 800 | SH |  | SOLE |  | 800 | 0 | 0 |
| NOBLE CORP PLC | ORD SHS A | G65431127 |  | 13725 | 486 | SH |  | SOLE |  | 486 | 0 | 0 |
| NORFOLK SOUTHN CORP | COM | 655844108 |  | 227801 | 789 | SH |  | SOLE |  | 789 | 0 | 0 |
| NORTHROP GRUMMAN CORP | COM | 666807102 |  | 59302 | 104 | SH |  | SOLE |  | 104 | 0 | 0 |
| NOVARTIS AG | SPONSORED ADR | 66987V109 |  | 5377 | 39 | SH |  | SOLE |  | 39 | 0 | 0 |
| NOVAVAX INC | COM NEW | 670002401 |  | 1163 | 173 | SH |  | SOLE |  | 173 | 0 | 0 |
| NUVEEN CR STRATEGIES INCOME | COM SHS | 67073D102 |  | 25100 | 5000 | SH |  | SOLE |  | 0 | 0 | 5000 |
| NUVEEN MUN HIGH INCOME OPPOR | COM | 670682103 |  | 4352 | 427 | SH |  | SOLE |  | 427 | 0 | 0 |
| NUVEEN PFD  INCOME OPPORTUN | COM | 67073B106 |  | 81141 | 10005 | SH |  | SOLE |  | 2498 | 0 | 7507 |
| NVIDIA CORPORATION | COM | 67066G104 |  | 1474283 | 7905 | SH |  | SOLE |  | 7905 | 0 | 0 |
| OCCIDENTAL PETE CORP | *W EXP 08/03/202 | 674599162 |  | 482 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| OCCIDENTAL PETE CORP | COM | 674599105 |  | 8224 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| OREILLY AUTOMOTIVE INC | COM | 67103H107 |  | 6659 | 73 | SH |  | SOLE |  | 73 | 0 | 0 |
| ORGANON  CO | COMMON STOCK | 68622V106 |  | 1793 | 250 | SH |  | SOLE |  | 250 | 0 | 0 |
| PALO ALTO NETWORKS INC | COM | 697435105 |  | 48261 | 262 | SH |  | SOLE |  | 262 | 0 | 0 |
| PEPSICO INC | COM | 713448108 |  | 61571 | 429 | SH |  | SOLE |  | 429 | 0 | 0 |
| PHILIP MORRIS INTL INC | COM | 718172109 |  | 38336 | 239 | SH |  | SOLE |  | 239 | 0 | 0 |
| PHILLIPS 66 | COM | 718546104 |  | 5420 | 42 | SH |  | SOLE |  | 42 | 0 | 0 |
| PINNACLE WEST CAP CORP | COM | 723484101 |  | 976 | 11 | SH |  | SOLE |  | 11 | 0 | 0 |
| PLUG POWER INC | COM NEW | 72919P202 |  | 164 | 83 | SH |  | SOLE |  | 83 | 0 | 0 |
| PROCTER AND GAMBLE CO | COM | 742718109 |  | 311127 | 2171 | SH |  | SOLE |  | 2171 | 0 | 0 |
| RAMBUS INC DEL | COM | 750917106 |  | 23524 | 256 | SH |  | SOLE |  | 256 | 0 | 0 |
| REGENERON PHARMACEUTICALS | COM | 75886F107 |  | 50172 | 65 | SH |  | SOLE |  | 65 | 0 | 0 |
| ROADZEN INC | ORD SHS | G7606H108 |  | 1205 | 500 | SH |  | SOLE |  | 0 | 0 | 500 |
| ROCKWELL AUTOMATION INC | COM | 773903109 |  | 43187 | 111 | SH |  | SOLE |  | 111 | 0 | 0 |
| ROYAL BK CDA | COM | 780087102 |  | 4263 | 25 | SH |  | SOLE |  | 25 | 0 | 0 |
| RTX CORPORATION | COM | 75513E101 |  | 13755 | 75 | SH |  | SOLE |  | 75 | 0 | 0 |
| SCHWAB STRATEGIC TR | EMRG MKTEQ ETF | 808524706 |  | 1278 | 39 | SH |  | SOLE |  | 39 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL EMER | 808524730 |  | 8330 | 231 | SH |  | SOLE |  | 231 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524748 |  | 1649 | 37 | SH |  | SOLE |  | 37 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL INTL | 808524755 |  | 1447 | 32 | SH |  | SOLE |  | 32 | 0 | 0 |
| SCHWAB STRATEGIC TR | FUNDAMENTAL US L | 808524771 |  | 12490 | 459 | SH |  | SOLE |  | 459 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL EQTY ETF | 808524805 |  | 7549 | 314 | SH |  | SOLE |  | 314 | 0 | 0 |
| SCHWAB STRATEGIC TR | INTL SCEQT ETF | 808524888 |  | 44256 | 972 | SH |  | SOLE |  | 2 | 0 | 970 |
| SCHWAB STRATEGIC TR | MUN BD ETF | 808524649 |  | 3581 | 139 | SH |  | SOLE |  | 139 | 0 | 0 |
| SCHWAB STRATEGIC TR | US BRD MKT ETF | 808524102 |  | 29640 | 1130 | SH |  | SOLE |  | 1130 | 0 | 0 |
| SCHWAB STRATEGIC TR | US DIVIDEND EQ | 808524797 |  | 180517 | 6581 | SH |  | SOLE |  | 6327 | 0 | 254 |
| SCHWAB STRATEGIC TR | US LCAP GR ETF | 808524300 |  | 1795 | 55 | SH |  | SOLE |  | 55 | 0 | 0 |
| SCHWAB STRATEGIC TR | US LRG CAP ETF | 808524201 |  | 11222 | 417 | SH |  | SOLE |  | 417 | 0 | 0 |
| SCHWAB STRATEGIC TR | US REIT ETF | 808524847 |  | 126 | 6 | SH |  | SOLE |  | 6 | 0 | 0 |
| SCHWAB STRATEGIC TR | US SML CAP ETF | 808524607 |  | 22016 | 773 | SH |  | SOLE |  | 773 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET CON | 81369Y308 |  | 69912 | 900 | SH |  | SOLE |  | 900 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET ENE | 81369Y506 |  | 48645 | 1088 | SH |  | SOLE |  | 1088 | 0 | 0 |
| SELECT SECTOR SPDR TR | STATE STREET TEC | 81369Y803 |  | 28794 | 200 | SH |  | SOLE |  | 200 | 0 | 0 |
| SIFCO INDS INC | COM | 826546103 |  | 1116 | 200 | SH |  | SOLE |  | 0 | 0 | 200 |
| SLB LIMITED | COM STK | 806857108 |  | 28785 | 750 | SH |  | SOLE |  | 750 | 0 | 0 |
| SPDR INDEX SHS FDS | DJ INTL RL ETF | 78463X863 |  | 415436 | 14837 | SH |  | SOLE |  | 5157 | 0 | 9680 |
| SPDR INDEX SHS FDS | PORTFOLIO DEVLPD | 78463X889 |  | 5196 | 117 | SH |  | SOLE |  | 117 | 0 | 0 |
| SPDR INDEX SHS FDS | PORTFOLIO EMG MK | 78463X509 |  | 5337 | 114 | SH |  | SOLE |  | 114 | 0 | 0 |
| SPDR INDEX SHS FDS | S EM MKT DIV | 78463X533 |  | 498223 | 12726 | SH |  | SOLE |  | 2243 | 0 | 10483 |
| SPDR INDEX SHS FDS | S EMKTSC ETF | 78463X756 |  | 1585025 | 24141 | SH |  | SOLE |  | 14830 | 0 | 9311 |
| SPDR INDEX SHS FDS | S INTL SMLCP | 78463X871 |  | 10338 | 253 | SH |  | SOLE |  | 253 | 0 | 0 |
| SPDR S 500 ETF TR | TR UNIT | 78462F103 |  | 726875 | 1066 | SH |  | SOLE |  | 1066 | 0 | 0 |
| SPDR S MIDCAP 400 ETF TR | UTSER1 S | 78467Y107 |  | 287162 | 476 | SH |  | SOLE |  | 476 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A805 |  | 39848 | 483 | SH |  | SOLE |  | 483 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A763 |  | 3062 | 22 | SH |  | SOLE |  | 22 | 0 | 0 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A300 |  | 1820 | 20 | SH |  | SOLE |  | 0 | 0 | 20 |
| SPDR SERIES TRUST | STATE STREET SPD | 78464A847 |  | 3186 | 55 | SH |  | SOLE |  | 55 | 0 | 0 |
| SR BANCORP INC | COM | 85227J106 |  | 6281 | 399 | SH |  | SOLE |  | 399 | 0 | 0 |
| STARBUCKS CORP | COM | 855244109 |  | 8421 | 100 | SH |  | SOLE |  | 100 | 0 | 0 |
| STRYKER CORPORATION | COM | 863667101 |  | 60102 | 171 | SH |  | SOLE |  | 171 | 0 | 0 |
| SYSCO CORP | COM | 871829107 |  | 220997 | 2999 | SH |  | SOLE |  | 2999 | 0 | 0 |
| TARGA RES CORP | COM | 87612G101 |  | 96678 | 524 | SH |  | SOLE |  | 524 | 0 | 0 |
| TESLA INC | COM | 88160R101 |  | 69464 | 154 | SH |  | SOLE |  | 154 | 0 | 0 |
| TEXAS INSTRS INC | COM | 882508104 |  | 108432 | 625 | SH |  | SOLE |  | 625 | 0 | 0 |
| THE CIGNA GROUP | COM | 125523100 |  | 6606 | 24 | SH |  | SOLE |  | 24 | 0 | 0 |
| TRANE TECHNOLOGIES PLC | SHS | G8994E103 |  | 31136 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| TRUIST FINL CORP | COM | 89832Q109 |  | 18307 | 372 | SH |  | SOLE |  | 372 | 0 | 0 |
| UBER TECHNOLOGIES INC | COM | 90353T100 |  | 18876 | 231 | SH |  | SOLE |  | 231 | 0 | 0 |
| UNITEDHEALTH GROUP INC | COM | 91324P102 |  | 7593 | 23 | SH |  | SOLE |  | 23 | 0 | 0 |
| VANECK ETF TRUST | MRNGSTR WDE MOAT | 92189F643 |  | 73942 | 714 | SH |  | SOLE |  | 714 | 0 | 0 |
| VANGUARD BD INDEX FDS | SHORT TRM BOND | 921937827 |  | 85509 | 1085 | SH |  | SOLE |  | 45 | 0 | 1040 |
| VANGUARD CHARLOTTE FDS | TOTAL INT BD ETF | 92203J407 |  | 25900 | 536 | SH |  | SOLE |  | 536 | 0 | 0 |
| VANGUARD INDEX FDS | GROWTH ETF | 922908736 |  | 205390 | 421 | SH |  | SOLE |  | 421 | 0 | 0 |
| VANGUARD INDEX FDS | LARGE CAP ETF | 922908637 |  | 107347 | 341 | SH |  | SOLE |  | 341 | 0 | 0 |
| VANGUARD INDEX FDS | MCAP VL IDXVIP | 922908512 |  | 52325 | 295 | SH |  | SOLE |  | 74 | 0 | 221 |
| VANGUARD INDEX FDS | MID CAP ETF | 922908629 |  | 91710 | 316 | SH |  | SOLE |  | 141 | 0 | 175 |
| VANGUARD INDEX FDS | REAL ESTATE ETF | 922908553 |  | 1737974 | 19640 | SH |  | SOLE |  | 8582 | 0 | 11058 |
| VANGUARD INDEX FDS | S 500 ETF SHS | 922908363 |  | 919373 | 1466 | SH |  | SOLE |  | 1441 | 0 | 25 |
| VANGUARD INDEX FDS | SM CP VAL ETF | 922908611 |  | 2730397 | 12892 | SH |  | SOLE |  | 7446 | 0 | 5446 |
| VANGUARD INDEX FDS | SMALL CP ETF | 922908751 |  | 1889757 | 7326 | SH |  | SOLE |  | 3900 | 0 | 3426 |
| VANGUARD INDEX FDS | TOTAL STK MKT | 922908769 |  | 18872138 | 56289 | SH |  | SOLE |  | 34700 | 0 | 21589 |
| VANGUARD INDEX FDS | VALUE ETF | 922908744 |  | 13167461 | 68943 | SH |  | SOLE |  | 39103 | 0 | 29840 |
| VANGUARD INTL EQUITY INDEX F | FTSE EMR MKT ETF | 922042858 |  | 428199 | 7965 | SH |  | SOLE |  | 2942 | 0 | 5023 |
| VANGUARD INTL EQUITY INDEX F | FTSE SMCAP ETF | 922042718 |  | 476963 | 3328 | SH |  | SOLE |  | 1716 | 0 | 1612 |
| VANGUARD INTL EQUITY INDEX F | GLB EX US ETF | 922042676 |  | 3336326 | 72782 | SH |  | SOLE |  | 42121 | 0 | 30661 |
| VANGUARD INTL EQUITY INDEX F | TT WRLD ST ETF | 922042742 |  | 154884 | 1098 | SH |  | SOLE |  | 1066 | 0 | 32 |
| VANGUARD MALVERN FDS | STRM INFPROIDX | 922020805 |  | 4224680 | 85416 | SH |  | SOLE |  | 64667 | 0 | 20749 |
| VANGUARD MUN BD FDS | TAX EXEMPT BD | 922907746 |  | 23637 | 470 | SH |  | SOLE |  | 183 | 0 | 287 |
| VANGUARD SCOTTSDALE FDS | SHORT TERM TREAS | 92206C102 |  | 22377 | 381 | SH |  | SOLE |  | 381 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | SHRT TRM CORP BD | 92206C409 |  | 22377341 | 280664 | SH |  | SOLE |  | 149471 | 0 | 131193 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000GRW | 92206C680 |  | 109332 | 898 | SH |  | SOLE |  | 898 | 0 | 0 |
| VANGUARD SCOTTSDALE FDS | VNG RUS1000VAL | 92206C714 |  | 32305 | 350 | SH |  | SOLE |  | 350 | 0 | 0 |
| VANGUARD SPECIALIZED FUNDS | DIV APP ETF | 921908844 |  | 659881 | 3002 | SH |  | SOLE |  | 3002 | 0 | 0 |
| VANGUARD STAR FDS | VG TL INTL STK F | 921909768 |  | 39305 | 521 | SH |  | SOLE |  | 461 | 0 | 60 |
| VANGUARD TAX-MANAGED FDS | VAN FTSE DEV MKT | 921943858 |  | 2722486 | 43581 | SH |  | SOLE |  | 22570 | 0 | 21011 |
| VANGUARD WHITEHALL FDS | INTL HIGH ETF | 921946794 |  | 1314720 | 14608 | SH |  | SOLE |  | 3359 | 0 | 11249 |
| VANGUARD WORLD FD | CONSUM STP ETF | 92204A207 |  | 5915 | 28 | SH |  | SOLE |  | 28 | 0 | 0 |
| VANGUARD WORLD FD | HEALTH CAR ETF | 92204A504 |  | 44234 | 154 | SH |  | SOLE |  | 154 | 0 | 0 |
| VANGUARD WORLD FD | INF TECH ETF | 92204A702 |  | 134927 | 179 | SH |  | SOLE |  | 179 | 0 | 0 |
| VANGUARD WORLD FD | MEGA GRWTH IND | 921910816 |  | 648049 | 1570 | SH |  | SOLE |  | 1570 | 0 | 0 |
| VERIZON COMMUNICATIONS INC | COM | 92343V104 |  | 82248 | 2019 | SH |  | SOLE |  | 2019 | 0 | 0 |
| VERTIV HOLDINGS CO | COM CL A | 92537N108 |  | 11989 | 74 | SH |  | SOLE |  | 74 | 0 | 0 |
| VISA INC | COM CL A | 92826C839 |  | 92237 | 263 | SH |  | SOLE |  | 263 | 0 | 0 |
| VISTRA CORP | COM | 92840M102 |  | 4518 | 28 | SH |  | SOLE |  | 28 | 0 | 0 |
| WALMART INC | COM | 931142103 |  | 1601853 | 14378 | SH |  | SOLE |  | 14378 | 0 | 0 |
| WARNER BROS DISCOVERY INC | COM SER A | 934423104 |  | 6312 | 219 | SH |  | SOLE |  | 219 | 0 | 0 |
| WASTE MGMT INC DEL | COM | 94106L109 |  | 17577 | 80 | SH |  | SOLE |  | 80 | 0 | 0 |
| WEC ENERGY GROUP INC | COM | 92939U106 |  | 41974 | 398 | SH |  | SOLE |  | 398 | 0 | 0 |
| WEYERHAEUSER CO MTN BE | COM NEW | 962166104 |  | 23193 | 979 | SH |  | SOLE |  | 979 | 0 | 0 |
| WW GRAINGER INC | COM | 384802104 |  | 140258 | 139 | SH |  | SOLE |  | 139 | 0 | 0 |
| XYLEM INC | COM | 98419M100 |  | 20427 | 150 | SH |  | SOLE |  | 150 | 0 | 0 |
| ZIMMER BIOMET HOLDINGS INC | COM | 98956P102 |  | 3597 | 40 | SH |  | SOLE |  | 40 | 0 | 0 |

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