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
AMAZON COM INC COM 023135106 266,122 1,213 SH SOLE 1,213 0 0
APPLE INC COM 037833100 212,508 1,034 SH SOLE 1,034 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 371,615 765 SH SOLE 765 0 0
BLACKSTONE INC COM 09260D107 200,424 1,340 SH SOLE 1,340 0 0
DIREXION SHS ETF TR DRX S&P500BULL 25459W862 5,907,855 34,021 SH SOLE 34,021 0 0
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 275,379 11,352 SH SOLE 11,352 0 0
INVESCO EXCHANGE TRADED FD T AI AND NEXT GEN 46137V639 7,247,648 147,451 SH SOLE 147,451 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 5,000,891 9,048 SH SOLE 9,048 0 0
ISHARES SILVER TR ISHARES 46428Q109 3,576,998 109,022 SH SOLE 109,022 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 10,431,424 241,812 SH SOLE 241,812 0 0
ISHARES TR EXPANDED TECH 464287515 3,814,298 34,833 SH SOLE 34,833 0 0
ISHARES TR MSCI USA MMENTM 46432F396 1,802,207 7,497 SH SOLE 7,497 0 0
ISHARES TR NEW YORK MUN ETF 464288323 1,026,661 19,692 SH SOLE 19,692 0 0
ISHARES TR RUS MID CAP ETF 464287499 14,886,898 161,855 SH SOLE 161,855 0 0
ISHARES TR TRS FLT RT BD 46434V860 4,273,231 84,368 SH SOLE 84,368 0 0
ISHARES U S ETF TR SHORT DURATION B 46431W507 13,762,490 269,323 SH SOLE 269,323 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 4,727,948 83,172 SH SOLE 83,172 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAM LTD DUR 46654Q773 3,193,207 61,139 SH SOLE 61,139 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 6,632,939 121,932 SH SOLE 121,932 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 7,909,005 131,699 SH SOLE 131,699 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 20,657,161 407,042 SH SOLE 407,042 0 0
MARSH & MCLENNAN COS INC COM 571748102 220,826 1,010 SH SOLE 1,010 0 0
NBT BANCORP INC COM 628778102 1,392,839 33,522 SH SOLE 33,522 0 0
PFIZER INC COM 717081103 5,145,978 212,296 SH SOLE 212,296 0 0
PROSHARES TR ULTRAPRO QQQ 74347X831 236,170 2,843 SH SOLE 2,843 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 42,184,364 1,770,217 SH SOLE 1,770,217 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 323,810 12,219 SH SOLE 12,219 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 22,629,685 774,708 SH SOLE 774,708 0 0
SPDR GOLD TR GOLD SHS 78463V107 8,302,051 27,235 SH SOLE 27,235 0 0
SPDR SERIES TRUST GLB DOW ETF 78464A706 11,383,046 75,548 SH SOLE 75,548 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698 5,938,795 99,977 SH SOLE 99,977 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 24,677,040 43,412 SH SOLE 43,412 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 20,227,363 114,431 SH SOLE 114,431 0 0
WHIRLPOOL CORP COM 963320106 593,681 5,854 SH SOLE 5,854 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422 6,609,083 139,201 SH SOLE 139,201 0 0