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
Expires: July 31, 2015
Estimated average burden
hours per response: 23.8
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
ABBVIE INC COM 00287Y109 390,347 1,863 SH SOLE 0 0 1,863
ALPHABET INC CAP STK CL C 02079K107 212,888 1,363 SH SOLE 0 0 1,363
AMAZON COM INC COM 023135106 838,012 4,405 SH SOLE 0 0 4,405
APPLE INC COM 037833100 12,677,304 57,072 SH SOLE 0 0 57,072
ARM HOLDINGS PLC SPONSORED ADS 042068205 533,950 5,000 SH SOLE 0 0 5,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108 798,442 1 SH SOLE 0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 216,796 407 SH SOLE 0 0 407
BLACKROCK ETF TRUST ISHARES US EQUIT 09290C103 23,793,126 487,964 SH SOLE 0 0 487,964
BLACKROCK ETF TRUST ISHARES US THEMA 09290C806 695,393 21,944 SH SOLE 0 0 21,944
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 249,900 4,123 SH SOLE 0 0 4,123
BLACKROCK ETF TRUST II ISHARES AAA CLO 092528504 202,415 3,909 SH SOLE 0 0 3,909
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 9,748,044 186,102 SH SOLE 0 0 186,102
BLACKROCK ETF TRUST II ISHARES HIGH YIE 092528843 843,221 17,024 SH SOLE 0 0 17,024
BROADCOM INC COM 11135F101 492,860 2,944 SH SOLE 0 0 2,944
CAPITAL GROUP CORE BALANCED SHS 14021D107 298,492 9,635 SH SOLE 0 0 9,635
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108 501,917 15,027 SH SOLE 0 0 15,027
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 336,077 9,430 SH SOLE 0 0 9,430
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 238,806 8,429 SH SOLE 0 0 8,429
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 324,759 9,482 SH SOLE 0 0 9,482
CATERPILLAR INC COM 149123101 1,640,340 4,974 SH SOLE 0 0 4,974
COCA COLA CO COM 191216100 351,010 4,901 SH SOLE 0 0 4,901
CORNING INC COM 219350105 255,085 5,572 SH SOLE 0 0 5,572
DEERE & CO COM 244199105 679,830 1,448 SH SOLE 0 0 1,448
ELI LILLY & CO COM 532457108 484,809 587 SH SOLE 0 0 587
EXXON MOBIL CORP COM 30231G102 986,654 8,296 SH SOLE 0 0 8,296
GE AEROSPACE COM NEW 369604301 202,648 1,012 SH SOLE 0 0 1,012
HONEYWELL INTL INC COM 438516106 848,694 4,008 SH SOLE 0 0 4,008
INTERNATIONAL BUSINESS MACHS COM 459200101 234,258 942 SH SOLE 0 0 942
INTUIT COM 461202103 347,649 566 SH SOLE 0 0 566
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 374,583 5,013 SH SOLE 0 0 5,013
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 310,680 1,793 SH SOLE 0 0 1,793
INVESCO QQQ TR UNIT SER 1 46090E103 4,449,157 9,488 SH SOLE 0 0 9,488
ISHARES GOLD TR ISHARES NEW 464285204 6,913,121 117,251 SH SOLE 0 0 117,251
ISHARES INC CORE MSCI EMKT 46434G103 8,611,013 159,552 SH SOLE 0 0 159,552
ISHARES INC MSCI EMRG CHN 46434G764 9,148,268 166,060 SH SOLE 0 0 166,060
ISHARES INC MSCI GBL MIN VOL 464286525 246,784 2,121 SH SOLE 0 0 2,121
ISHARES TR 0-5 YR TIPS ETF 46429B747 225,864 2,183 SH SOLE 0 0 2,183
ISHARES TR 10-20 YR TRS ETF 464288653 10,494,930 101,156 SH SOLE 0 0 101,156
ISHARES TR 20 YR TR BD ETF 464287432 489,425 5,377 SH SOLE 0 0 5,377
ISHARES TR 7-10 YR TRSY BD 464287440 520,682 5,460 SH SOLE 0 0 5,460
ISHARES TR A RATE CP BD ETF 46429B291 1,066,525 22,439 SH SOLE 0 0 22,439
ISHARES TR CONV BD ETF 46435G102 515,944 6,171 SH SOLE 0 0 6,171
ISHARES TR CORE 40/60 MODER 464289875 225,442 5,138 SH SOLE 0 0 5,138
ISHARES TR CORE 60/40 BALAN 464289867 989,270 17,184 SH SOLE 0 0 17,184
ISHARES TR CORE 80/20 AGGRE 464289859 818,566 10,700 SH SOLE 0 0 10,700
ISHARES TR CORE DIV GRWTH 46434V621 269,181 4,357 SH SOLE 0 0 4,357
ISHARES TR CORE HIGH DV ETF 46429B663 248,728 2,054 SH SOLE 0 0 2,054
ISHARES TR CORE MSCI EAFE 46432F842 576,595 7,622 SH SOLE 0 0 7,622
ISHARES TR CORE MSCI TOTAL 46432F834 218,382 3,128 SH SOLE 0 0 3,128
ISHARES TR CORE S&P MCP ETF 464287507 480,526 8,235 SH SOLE 0 0 8,235
ISHARES TR CORE S&P SCP ETF 464287804 351,122 3,358 SH SOLE 0 0 3,358
ISHARES TR CORE S&P TTL STK 464287150 211,077 1,730 SH SOLE 0 0 1,730
ISHARES TR CORE S&P US GWT 464287671 567,127 4,463 SH SOLE 0 0 4,463
ISHARES TR CORE S&P500 ETF 464287200 59,160,635 105,287 SH SOLE 0 0 105,287
ISHARES TR CORE TOTAL USD 46434V613 56,693,399 1,230,325 SH SOLE 0 0 1,230,325
ISHARES TR CUR HD EURZN ETF 46434V639 235,438 6,042 SH SOLE 0 0 6,042
ISHARES TR EAFE GRWTH ETF 464288885 11,791,063 117,911 SH SOLE 0 0 117,911
ISHARES TR EAFE VALUE ETF 464288877 18,029,560 305,897 SH SOLE 0 0 305,897
ISHARES TR ESG AWR MSCI USA 46435G425 2,369,526 19,437 SH SOLE 0 0 19,437
ISHARES TR ESG AWRE USD ETF 46435G193 253,326 10,986 SH SOLE 0 0 10,986
ISHARES TR EUROPE ETF 464287861 771,153 13,250 SH SOLE 0 0 13,250
ISHARES TR EXPND TEC SC ETF 464287549 259,588 2,863 SH SOLE 0 0 2,863
ISHARES TR GLOBAL TECH ETF 464287291 377,953 4,990 SH SOLE 0 0 4,990
ISHARES TR HDG MSCI EAFE 46434V803 3,350,120 92,315 SH SOLE 0 0 92,315
ISHARES TR HIGH YLD CORP BD 46436E320 364,328 11,584 SH SOLE 0 0 11,584
ISHARES TR HIGH YLD SYSTM B 46435G250 694,746 14,754 SH SOLE 0 0 14,754
ISHARES TR IBONDS 2026 TERM 46436E528 250,182 10,774 SH SOLE 0 0 10,774
ISHARES TR IBONDS 25 TRM HG 46435U168 258,002 11,102 SH SOLE 0 0 11,102
ISHARES TR IBOXX INV CP ETF 464287242 1,142,758 10,514 SH SOLE 0 0 10,514
ISHARES TR JPMORGAN USD EMG 464288281 3,455,917 38,149 SH SOLE 0 0 38,149
ISHARES TR MBS ETF 464288588 13,549,637 144,483 SH SOLE 0 0 144,483
ISHARES TR MRGSTR MD CP GRW 464288307 258,910 3,625 SH SOLE 0 0 3,625
ISHARES TR MSCI ACWI EX US 464288240 361,052 6,511 SH SOLE 0 0 6,511
ISHARES TR MSCI INTL VLU FT 46435G409 840,208 27,721 SH SOLE 0 0 27,721
ISHARES TR MSCI USA MIN VOL 46429B697 926,423 9,891 SH SOLE 0 0 9,891
ISHARES TR MSCI USA MMENTM 46432F396 6,598,772 32,646 SH SOLE 0 0 32,646
ISHARES TR MSCI USA QLT FCT 46432F339 27,892,281 163,218 SH SOLE 0 0 163,218
ISHARES TR NATIONAL MUN ETF 464288414 8,121,762 77,027 SH SOLE 0 0 77,027
ISHARES TR RUS 1000 GRW ETF 464287614 740,095 2,050 SH SOLE 0 0 2,050
ISHARES TR RUS 1000 VAL ETF 464287598 287,285 1,527 SH SOLE 0 0 1,527
ISHARES TR RUS 2000 GRW ETF 464287648 425,705 1,666 SH SOLE 0 0 1,666
ISHARES TR RUS MD CP GR ETF 464287481 316,930 2,698 SH SOLE 0 0 2,698
ISHARES TR S&P 100 ETF 464287101 8,428,547 31,121 SH SOLE 0 0 31,121
ISHARES TR S&P 500 GRWT ETF 464287309 26,840,400 289,135 SH SOLE 0 0 289,135
ISHARES TR S&P 500 VAL ETF 464287408 19,979,036 104,833 SH SOLE 0 0 104,833
ISHARES TR S&P MC 400GR ETF 464287606 299,808 3,600 SH SOLE 0 0 3,600
ISHARES TR SELECT DIVID ETF 464287168 1,481,094 11,029 SH SOLE 0 0 11,029
ISHARES TR SHRT NAT MUN ETF 464288158 430,737 4,079 SH SOLE 0 0 4,079
ISHARES TR U.S. TECH ETF 464287721 9,240,188 65,795 SH SOLE 0 0 65,795
ISHARES TR US TREAS BD ETF 46429B267 1,738,719 75,646 SH SOLE 0 0 75,646
JOHNSON & JOHNSON COM 478160104 292,383 1,763 SH SOLE 0 0 1,763
JPMORGAN CHASE & CO. COM 46625H100 1,670,042 6,808 SH SOLE 0 0 6,808
LAKELAND INDS INC COM 511795106 569,910 28,061 SH SOLE 0 0 28,061
LOCKHEED MARTIN CORP COM 539830109 392,682 879 SH SOLE 0 0 879
M & T BK CORP COM 55261F104 447,787 2,505 SH SOLE 0 0 2,505
MERCK & CO INC COM 58933Y105 309,739 3,451 SH SOLE 0 0 3,451
META PLATFORMS INC CL A 30303M102 250,951 435 SH SOLE 0 0 435
MICROSOFT CORP COM 594918104 2,763,805 7,362 SH SOLE 0 0 7,362
NVIDIA CORPORATION COM 67066G104 2,191,690 20,222 SH SOLE 0 0 20,222
ORACLE CORP COM 68389X105 569,211 4,071 SH SOLE 0 0 4,071
PAYCHEX INC COM 704326107 1,041,083 6,748 SH SOLE 0 0 6,748
PNC FINL SVCS GROUP INC COM 693475105 528,717 3,008 SH SOLE 0 0 3,008
PROCTER AND GAMBLE CO COM 742718109 281,926 1,654 SH SOLE 0 0 1,654
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 290,375 3,528 SH SOLE 0 0 3,528
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 213,304 9,210 SH SOLE 0 0 9,210
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 375,702 7,543 SH SOLE 0 0 7,543
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 218,431 1,496 SH SOLE 0 0 1,496
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 365,584 4,636 SH SOLE 0 0 4,636
SPDR GOLD TR GOLD SHS 78463V107 334,323 1,160 SH SOLE 0 0 1,160
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,215,803 5,749 SH SOLE 0 0 5,749
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,087,246 2,038 SH SOLE 0 0 2,038
SPDR SER TR PORTFOLIO S&P500 78464A854 282,062 4,289 SH SOLE 0 0 4,289
SPDR SER TR S&P DIVID ETF 78464A763 1,903,105 14,026 SH SOLE 0 0 14,026
SRH TOTAL RETURN FUND INC COM 101507101 222,007 12,870 SH SOLE 0 0 12,870
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 664,000 4,000 SH SOLE 0 0 4,000
TESLA INC COM 88160R101 333,021 1,285 SH SOLE 0 0 1,285
VANGUARD INDEX FDS GROWTH ETF 922908736 407,057 1,098 SH SOLE 0 0 1,098
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,531,323 91,321 SH SOLE 0 0 91,321
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 301,654 1,555 SH SOLE 0 0 1,555
VANGUARD WORLD FD INF TECH ETF 92204A702 504,497 930 SH SOLE 0 0 930
VERIZON COMMUNICATIONS INC COM 92343V104 203,939 4,496 SH SOLE 0 0 4,496
VISA INC COM CL A 92826C839 2,204,708 6,291 SH SOLE 0 0 6,291
WALMART INC COM 931142103 448,776 5,112 SH SOLE 0 0 5,112
WEC ENERGY GROUP INC COM 92939U106 216,637 1,988 SH SOLE 0 0 1,988
WORLD GOLD TR SPDR GLD MINIS 98149E303 371,959 6,010 SH SOLE 0 0 6,010