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
ALPHABET INC CAP STK CL C 02079K107 241,250 1,360 SH SOLE 0 0 1,360
AMAZON COM INC COM 023135106 453,479 2,067 SH SOLE 0 0 2,067
AMERICAN CENTY ETF TR ETF - E 025072877 1,091,378 11,980 SH SOLE 0 0 11,980
AMERICAN CENTY ETF TR ETF - E 025072604 1,126,318 16,433 SH SOLE 0 0 16,433
AMERICAN CENTY ETF TR ETF - E 025072802 1,319,616 16,645 SH SOLE 0 0 16,645
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 6,711,921 97,927 SH SOLE 0 0 97,927
AMERICAN CENTY ETF TR US SML CP VALU 025072877 10,673,042 117,157 SH SOLE 0 0 117,157
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 12,740,651 160,704 SH SOLE 0 0 160,704
APPLE INC COM 037833100 701,691 3,420 SH SOLE 0 0 3,420
AT&T INC COM 00206R102 279,184 9,647 SH SOLE 0 0 9,647
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 371,614 765 SH SOLE 0 0 765
BLACKSTONE MTG TR INC COM CL A 09257W100 1,541 10,000 SH Put SOLE 0 0 10,000
BNY MELLON ETF TRUST GLOBAL INFRASCTR 09661T826 10,702,490 272,467 SH SOLE 0 0 272,467
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 1,340,724 20,617 SH SOLE 0 0 20,617
EXXON MOBIL CORP COM 30231G102 503,519 4,671 SH SOLE 0 0 4,671
FIRST TR EXCHNG TRADED FD VI FT ENERGY INCOME 33740F276 2,499,130 126,732 SH SOLE 0 0 126,732
FRANKLIN N Y TAX FREE MUTUAL 354128704 112,879 10,589 SH SOLE 0 0 10,589
FRANKLIN NY TAX FREE MUTUAL 354130106 238,923 25,018 SH SOLE 0 0 25,018
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 11,795,543 282,528 SH SOLE 0 0 282,528
GLOBAL X FDS 1-3 MONTH T-BILL 37960A438 2,971,629 29,592 SH SOLE 0 0 29,592
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396 617,917 7,028 SH SOLE 0 0 7,028
INTERCONTINENTAL EXCHANGE IN COM 45866F104 459,959 2,507 SH SOLE 0 0 2,507
INTERNATIONAL BUSINESS MACHS COM 459200101 240,835 817 SH SOLE 0 0 817
INVESCO EXCH TRADED FD TR II DORSEY WRGT SMLC 46138E842 1,115,824 13,149 SH SOLE 0 0 13,149
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 1,154,977 26,680 SH SOLE 0 0 26,680
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643 1,936,960 94,532 SH SOLE 0 0 94,532
INVESCO EXCH TRD SLF IDX FD INVESCO BULLETSH 46139W825 3,454,455 162,946 SH SOLE 0 0 162,946
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 213,526 1,660 SH SOLE 0 0 1,660
INVESCO QQQ TR UNIT SER 1 46090E103 535,642 971 SH SOLE 0 0 971
ISHARES GOLD TR ISHAR ETF - E 464285204 7,584,286 121,621 SH SOLE 0 0 121,621
ISHARES INC EM MKT SM-CP ETF 464286475 538,060 8,297 SH SOLE 0 0 8,297
ISHARES INC ESG AWR MSCI EM 46434G863 1,402,145 35,796 SH SOLE 0 0 35,796
ISHARES INC MSCI EMRG CHN 46434G764 2,684,792 42,521 SH SOLE 0 0 42,521
ISHARES INC CORE MSCI EMKT 46434G103 23,307,975 388,272 SH SOLE 0 0 388,272
ISHARES INC MSCI EMU ETF - E 464286608 4,717,906 79,359 SH SOLE 0 0 79,359
ISHARES TR DOW JONES US ETF 464287846 203,076 1,346 SH SOLE 0 0 1,346
ISHARES TR CORE S&P TTL STK 464287150 254,685 1,886 SH SOLE 0 0 1,886
ISHARES TR MSCI ACWI ETF 464288257 276,321 2,149 SH SOLE 0 0 2,149
ISHARES TR ESG AWRE USD ETF 46435G193 284,660 12,254 SH SOLE 0 0 12,254
ISHARES TR ESG AWRE 1 5 YR 46435G243 322,415 12,810 SH SOLE 0 0 12,810
ISHARES TR 7-10 YR TRSY BD 464287440 410,279 4,284 SH SOLE 0 0 4,284
ISHARES TR MSCI ACWI EX US 464288240 432,674 7,100 SH SOLE 0 0 7,100
ISHARES TR MSCI USA MIN VOL 46429B697 684,406 7,291 SH SOLE 0 0 7,291
ISHARES TR ESG AWR MSCI USA 46435G425 1,265,017 9,350 SH SOLE 0 0 9,350
ISHARES TR MRGSTR MD CP GRW 464288307 1,498,857 18,682 SH SOLE 0 0 18,682
ISHARES TR CORE DIV GRWTH 46434V621 1,542,297 24,121 SH SOLE 0 0 24,121
ISHARES TR BB RAT CORP BD 46435U473 1,717,521 36,543 SH SOLE 0 0 36,543
ISHARES TR S&P 500 VAL ETF 464287408 1,968,357 10,073 SH SOLE 0 0 10,073
ISHARES TR CORE HIGH DV ETF 46429B663 2,670,301 22,790 SH SOLE 0 0 22,790
ISHARES TR S&P 500 GRWT ETF 464287309 3,894,793 35,375 SH SOLE 0 0 35,375
ISHARES TR ESG AW MSCI EAFE 46435G516 4,456,030 49,944 SH SOLE 0 0 49,944
ISHARES TR RUS 1000 VAL ETF 464287598 8,346,507 42,972 SH SOLE 0 0 42,972
ISHARES TR CORE S&P SCP ETF 464287804 12,842,806 117,512 SH SOLE 0 0 117,512
ISHARES TR 0-3 MNTH TREASRY 46436E718 13,135,341 130,453 SH SOLE 0 0 130,453
ISHARES TR RUS 1000 GRW ETF 464287614 13,190,959 31,068 SH SOLE 0 0 31,068
ISHARES TR CORE S&P MCP ETF 464287507 17,005,583 274,195 SH SOLE 0 0 274,195
ISHARES TR CORE S&P500 ETF 464287200 29,831,549 48,046 SH SOLE 0 0 48,046
ISHARES TR MBS ETF 464288588 53,301,486 567,701 SH SOLE 0 0 567,701
ISHARES TR CORE MSCI EAFE 46432F842 67,178,860 804,730 SH SOLE 0 0 804,730
J P MORGAN EXCHANGE TRADED F DIVERSFD EQT ETF 46641Q845 501,915 11,034 SH SOLE 0 0 11,034
J P MORGAN EXCHANGE TRADED F DIVERSFED RTRN 46641Q886 542,259 5,229 SH SOLE 0 0 5,229
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 716,096 11,925 SH SOLE 0 0 11,925
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 2,519,303 49,710 SH SOLE 0 0 49,710
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 35,260,245 620,233 SH SOLE 0 0 620,233
JANUS DETROIT STR TR HENDERSON SECURI 47103U746 18,383,263 349,359 SH SOLE 0 0 349,359
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 27,094,344 533,879 SH SOLE 0 0 533,879
JOHNSON & JOHNSON COM 478160104 230,805 1,511 SH SOLE 0 0 1,511
JPMORGAN CHASE & CO. COM 46625H100 435,445 1,502 SH SOLE 0 0 1,502
LINDE PLC SHS G54950103 1,013,898 2,161 SH SOLE 0 0 2,161
M & T BK CORP COM 55261F104 781,586 4,029 SH SOLE 0 0 4,029
MEDIATECHNICS CORPORA COMMON 58446C103 2 21,996 SH SOLE 0 0 21,996
MICROSOFT CORP COM 594918104 433,742 872 SH SOLE 0 0 872
NATIONAL FUEL GAS CO COM 636180101 767,134 9,056 SH SOLE 0 0 9,056
NVIDIA CORPORATION COM 67066G104 575,242 3,641 SH SOLE 0 0 3,641
PAYCHEX INC COM 704326107 633,115 4,353 SH SOLE 0 0 4,353
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 238,042 2,484 SH SOLE 0 0 2,484
PIMCO FDS INCM FD P MUTUAL 72201M719 4,222,436 392,055 SH SOLE 0 0 392,055
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 204,115 8,068 SH SOLE 0 0 8,068
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,485,741 142,624 SH SOLE 0 0 142,624
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 6,184,538 75,735 SH SOLE 0 0 75,735
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 537,593 1,220 SH SOLE 0 0 1,220
SPDR GOLD TR GOLD SHS 78463V107 236,853 777 SH SOLE 0 0 777
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 213,706 5,278 SH SOLE 0 0 5,278
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,300,005 2,104 SH SOLE 0 0 2,104
SPDR SERIES TRUST PORTFOLIO S&P600 78468R853 3,691,721 86,660 SH SOLE 0 0 86,660
SPDR SERIES TRUST PORTFOLIO S&P400 78464A847 6,375,379 117,238 SH SOLE 0 0 117,238
SPDR SERIES TRUST S&P CAP MKTS 78464A771 6,393,972 44,118 SH SOLE 0 0 44,118
SPDR SERIES TRUST PORTFOLIO S&P500 78464A854 25,794,021 354,850 SH SOLE 0 0 354,850
SPDR SERIES TRUST PORTFOLIO INTRMD 78464A375 26,426,153 786,961 SH SOLE 0 0 786,961
SPDR SERIES TRUST PRTFLO S&P500 GW 78464A409 41,405,117 434,380 SH SOLE 0 0 434,380
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508 42,488,770 811,784 SH SOLE 0 0 811,784
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 1,730,976 41,620 SH SOLE 0 0 41,620
TCW ETF TRUST AAA CLO ETF 29287L858 386,880 7,680 SH SOLE 0 0 7,680
VANECK ETF TRUST GREEN BOND ETF 92189F171 279,124 11,515 SH SOLE 0 0 11,515
VANGUARD BD INDEX FDS LONG TERM BOND 921937793 300,741 4,325 SH SOLE 0 0 4,325
VANGUARD INDEX FDS SMALL CP ETF 922908751 206,884 873 SH SOLE 0 0 873
VANGUARD INDEX FDS GROWTH ETF 922908736 223,648 510 SH SOLE 0 0 510
VANGUARD INDEX FDS SM CP VAL ETF 922908611 409,273 2,099 SH SOLE 0 0 2,099
VANGUARD INDEX FDS MID CAP ETF 922908629 615,626 2,200 SH SOLE 0 0 2,200
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 14,129,178 24,874 SH SOLE 0 0 24,874
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 374,731 7,576 SH SOLE 0 0 7,576
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 206,825 1,894 SH SOLE 0 0 1,894
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 443,092 5,200 SH SOLE 0 0 5,200
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1,410,374 18,582 SH SOLE 0 0 18,582
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 21,344,855 380,343 SH SOLE 0 0 380,343
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 736,607 3,599 SH SOLE 0 0 3,599
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 2,279,969 39,992 SH SOLE 0 0 39,992
VANGUARD WORLD FD ESG US STK ETF 921910733 301,510 2,750 SH SOLE 0 0 2,750
VANGUARD WORLD FD ESG INTL STK ETF 921910725 415,925 6,350 SH SOLE 0 0 6,350
VANGUARD WORLD FD EXTENDED DUR 921910709 1,944,970 28,900 SH SOLE 0 0 28,900
VERIZON COMMUNICATIONS INC COM 92343V104 238,158 5,504 SH SOLE 0 0 5,504
WORLD GOLD TR SPDR GLD MINIS 98149E303 13,955,105 212,990 SH SOLE 0 0 212,990
WORLD GOLD TR SPDR GL ETF - E 98149E307 530,843 8,102 SH SOLE 0 0 8,102