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
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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 255,130 1,225 SH SOLE 1,225 0 0
APPLE INC COM 037833100 219,399 865 SH SOLE 865 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 366,588 765 SH SOLE 765 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 2,037,177 39,230 SH SOLE 39,230 0 0
DIGI PWR X INC COM SUB VTG 25380B102 141,870 69,887 SH SOLE 69,887 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607 2,176,449 39,825 SH SOLE 39,825 0 0
FIRST TR EXCHANGE TRADED FD NASDQ SEMCNDTR 33738R811 1,117,391 7,577 SH SOLE 7,577 0 0
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 480,206 19,372 SH SOLE 19,372 0 0
FRANKLIN TEMPLETON ETF TR INTELLIGENT MACH 35473P512 3,446,819 38,969 SH SOLE 38,969 0 0
GLOBAL X FDS DEFENSE TECH ETF 37960A529 740,563 10,454 SH SOLE 10,454 0 0
GRANITESHARES ETF TR 2X LONG NBIS DLY 38747R215 161,844 15,622 SH SOLE 15,622 0 0
INVESCO EXCHANGE TRADED FD T SEMICONDUCTORS 46137V647 1,610,811 17,067 SH SOLE 17,067 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 4,836,803 8,363 SH SOLE 8,363 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 13,324,571 161,373 SH SOLE 161,373 0 0
ISHARES TR MSCI USA MMENTM 46432F396 320,629 1,336 SH SOLE 1,336 0 0
ISHARES TR NEW YORK MUN ETF 464288323 1,144,117 21,542 SH SOLE 21,542 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAM LTD DUR 46654Q773 4,419,895 84,693 SH SOLE 84,693 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 7,928,961 142,807 SH SOLE 142,807 0 0
JOHNSON & JOHNSON COM 478160104 205,595 841 SH SOLE 841 0 0
LAZARD ACTIVE ETF TR INTL DYNAMIC EQT 52110K400 5,534,681 174,319 SH SOLE 174,319 0 0
NBT BANCORP INC COM 628778102 1,427,367 33,522 SH SOLE 33,522 0 0
PIMCO ETF TR MULTISECTOR BD 72201R585 20,494,071 782,213 SH SOLE 782,213 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 9,612,287 396,056 SH SOLE 396,056 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 39,741,054 1,583,312 SH SOLE 1,583,312 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 4,160,497 142,824 SH SOLE 142,824 0 0
SPDR GOLD TR GOLD SHS 78463V107 22,169,417 51,522 SH SOLE 51,522 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A706 21,190,779 124,976 SH SOLE 124,976 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A474 9,610,299 319,598 SH SOLE 319,598 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R101 7,368,041 252,503 SH SOLE 252,503 0 0
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701 17,647,884 354,730 SH SOLE 354,730 0 0
TEMA ETF TRUST ELECTRIFICATION 87975E834 13,008,990 379,934 SH SOLE 379,934 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 5,949,678 75,879 SH SOLE 75,879 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 26,424,456 44,180 SH SOLE 44,180 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 15,709,972 80,062 SH SOLE 80,062 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 18,532,467 223,958 SH SOLE 223,958 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 7,999,184 136,645 SH SOLE 136,645 0 0