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
ISHARES INC MSCI EMRG CHN 46434G764 4,269,501 41,735 SH SOLE 0 0 41,735
VANGUARD INDEX FDS SMALL CP ETF 922908751 7,071,869 23,330 SH SOLE 0 0 23,330
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 9,032,911 109,291 SH SOLE 0 0 109,291
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 8,833,533 123,979 SH SOLE 0 0 123,979
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 212,143 2,272 SH SOLE 0 0 2,272
VANGUARD INDEX FDS MID CAP ETF 922908629 7,134,271 88,547 SH SOLE 0 0 88,547
NVIDIA CORPORATION COM 67066G104 1,002,627 5,011 SH SOLE 0 0 5,011
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7,065,156 96,242 SH SOLE 0 0 96,242
ISHARES TR JPMORGAN USD EMG 464288281 3,094,637 32,089 SH SOLE 0 0 32,089
ISHARES GOLD TR ISHARES NEW 464285204 3,601,751 47,699 SH SOLE 0 0 47,699
ISHARES TR PFD AND INCM SEC 464288687 1,968,748 64,570 SH SOLE 0 0 64,570
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 2,104,932 27,973 SH SOLE 0 0 27,973
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,849,477 48,709 SH SOLE 0 0 48,709
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3,763,256 15,904 SH SOLE 0 0 15,904
APPLE INC COM 037833100 9,122,829 31,528 SH SOLE 0 0 31,528
FIRST TR EXCHANGE-TRADED ALP COM SHS 33734Y109 316,777 2,195 SH SOLE 0 0 2,195
ISHARES TR TIPS BD ETF 464287176 769,172 7,029 SH SOLE 0 0 7,029
UNITED PARCEL SVCS INC CL B 911312106 264,339 2,459 SH SOLE 0 0 2,459
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1,036,592 12,377 SH SOLE 0 0 12,377
ISHARES TR CORE US AGGBD ET 464287226 567,716 5,736 SH SOLE 0 0 5,736
LOEWS CORP COM 540424108 3,927,880 34,696 SH SOLE 0 0 34,696
ISHARES TR IBOXX INV CP ETF 464287242 1,545,609 14,171 SH SOLE 0 0 14,171
ISHARES TR NEW YORK MUN ETF 464288323 571,527 10,602 SH SOLE 0 0 10,602
VANGUARD INDEX FDS TOTAL STK MKT 922908769 1,370,538 3,704 SH SOLE 0 0 3,704
VANGUARD INDEX FDS LARGE CAP ETF 922908637 19,121,104 55,599 SH SOLE 0 0 55,599
SPDR SERIES TRUST ST STR CONV ETF 78464A359 1,723,076 15,981 SH SOLE 0 0 15,981
VANGUARD WORLD FD ESG US STK ETF 921910733 12,962,912 98,026 SH SOLE 0 0 98,026
ISHARES TR CORE UNIVRSL USD 46434V613 1,559,101 33,783 SH SOLE 0 0 33,783
VANGUARD WORLD FD MATERIALS ETF 92204A801 1,712,012 7,483 SH SOLE 0 0 7,483
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 1,417,781 18,734 SH SOLE 0 0 18,734
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 724,850 7,517 SH SOLE 0 0 7,517
VANGUARD WORLD FD ESG INTL STK ETF 921910725 7,878,272 95,680 SH SOLE 0 0 95,680
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 4,675,531 44,974 SH SOLE 0 0 44,974
ISHARES TR MSCI USA QLT FCT 46432F339 4,196,552 19,125 SH SOLE 0 0 19,125
VANGUARD WORLD FD ESG US CORP BD 921910691 975,552 15,544 SH SOLE 0 0 15,544
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3,124,555 62,205 SH SOLE 0 0 62,205
SCHWAB STRATEGIC TR US TIPS ETF 808524870 459,177 17,327 SH SOLE 0 0 17,327
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12,748,458 433,179 SH SOLE 0 0 433,179
ISHARES INC MSCI AGR PRO ETF 464286350 513,261 11,636 SH SOLE 0 0 11,636
SPDR GOLD TR GOLD SHS 78463V107 322,333 875 SH SOLE 0 0 875
AMAZON COM INC COM 023135106 2,657,014 11,148 SH SOLE 0 0 11,148
ISHARES INC JP MRG EM CRP BD 464286251 688,972 15,092 SH SOLE 0 0 15,092
FIRST TR EXCHANGE-TRADED ALP COM SHS 33734K109 1,190,449 8,511 SH SOLE 0 0 8,511
FIRST TR EXCHANGE-TRADED ALP COM SHS 33735B108 261,311 1,786 SH SOLE 0 0 1,786
MICROSOFT CORP COM 594918104 3,684,807 9,878 SH SOLE 0 0 9,878
M & T BK CORP COM 55261F104 769,056 3,231 SH SOLE 0 0 3,231
PEPSICO INC COM 713448108 238,614 1,762 SH SOLE 0 0 1,762
VANGUARD INDEX FDS GROWTH ETF 922908736 721,655 8,378 SH SOLE 0 0 8,378
VANGUARD STAR FDS VG TL INTL STK F 921909768 344,617 4,031 SH SOLE 0 0 4,031
WISDOMTREE TR US QTLY DIV GRT 97717X669 422,252 4,416 SH SOLE 0 0 4,416
LUMENTUM HLDGS INC COM 55024U109 491,668 573 SH SOLE 0 0 573
MARVELL TECHNOLOGY INC COM 573874104 296,996 997 SH SOLE 0 0 997
ISHARES TR MSCI EAFE ETF 464287465 599,984 5,776 SH SOLE 0 0 5,776
ISHARES TR CORE S&P MCP ETF 464287507 227,895 2,955 SH SOLE 0 0 2,955
ISHARES TR ESG AWR MSCI USA 46435G425 895,405 5,471 SH SOLE 0 0 5,471
J P MORGAN EXCHANGE TRADED F ACTIVE BOND ETF 46654Q716 1,302,957 24,354 SH SOLE 0 0 24,354
VANGUARD INDEX FDS VALUE ETF 922908744 426,387 1,957 SH SOLE 0 0 1,957
ISHARES INC MSCI EQUAL WEITE 464286681 730,433 6,397 SH SOLE 0 0 6,397
ALPHABET INC CAP STK CL C 02079K107 277,009 784 SH SOLE 0 0 784
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 214,622 19,799 SH SOLE 0 0 19,799
VANGUARD MALVERN FDS CORE BD ETF 922020748 2,267,256 29,356 SH SOLE 0 0 29,356
ABBVIE INC COM 00287Y109 361,022 1,435 SH SOLE 0 0 1,435
COSTCO WHOLESALE CORPORATION COM 22160K105 328,798 351 SH SOLE 0 0 351
CISCO SYS INC COM 17275R102 236,157 2,011 SH SOLE 0 0 2,011
VANGUARD WORLD FD INF TECH ETF 92204A702 498,698 4,173 SH SOLE 0 0 4,173
SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 475,752 2,497 SH SOLE 0 0 2,497
JOHNSON & JOHNSON COM 478160104 540,231 2,127 SH SOLE 0 0 2,127
WISDOMTREE TR US QUALITY GROW 97717Y477 977,923 14,810 SH SOLE 0 0 14,810
RESEARCH FRONTIERS INC COM 760911107 5,360 10,307 SH SOLE 0 0 10,307
WISDOMTREE TR US VALUE FD 97717W547 350,920 3,450 SH SOLE 0 0 3,450
BROADCOM INC COM 11135F101 289,739 767 SH SOLE 0 0 767
UBER TECHNOLOGIES INC COM 90353T100 202,337 2,804 SH SOLE 0 0 2,804
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1,086,851 21,488 SH SOLE 0 0 21,488
ISHARES TR CORE S&P500 ETF 464287200 503,191 672 SH SOLE 0 0 672
ISHARES TR CORE S&P SCP ETF 464287804 235,745 1,590 SH SOLE 0 0 1,590
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 650,742 25,499 SH SOLE 0 0 25,499
ISHARES TR 10+ YR INVST GRD 464289511 237,327 4,743 SH SOLE 0 0 4,743
ISHARES TR SELECT DIVID ETF 464287168 201,982 1,292 SH SOLE 0 0 1,292
EXXON MOBIL CORP COM 30231G102 487,027 3,562 SH SOLE 0 0 3,562
CHUBB LIMITED COM H1467J104 778,775 2,286 SH SOLE 0 0 2,286
ISHARES TR ISHS 5-10YR INVT 464288638 229,546 4,317 SH SOLE 0 0 4,317
ISHARES TR ESG AW MSCI EAFE 46435G516 679,560 6,610 SH SOLE 0 0 6,610
CORNING INC COM 219350105 221,027 865 SH SOLE 0 0 865