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
ABBOTT LABORATORIES COM 002824100 227,122 2,503 SH SOLE 0 0 2,503
ABBVIE INC COM 00287Y109 749,636 2,979 SH SOLE 0 0 2,979
ABRDN ETFS BBRG ALL COMD K1 003261104 592,703 26,531 SH SOLE 0 0 26,531
ALLSTATE CORP COM 020002101 237,940 1,000 SH SOLE 0 0 1,000
ALPHABET INC CAP STK CL A 02079K305 281,965 789 SH SOLE 0 0 789
ALPHABET INC CAP STK CL C 02079K107 231,431 655 SH SOLE 0 0 655
AMAZON COM INC COM 023135106 355,603 1,492 SH SOLE 0 0 1,492
APPLE INC COM 037833100 2,538,401 8,772 SH SOLE 0 0 8,772
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349 6,056,344 66,400 SH SOLE 0 0 66,400
BERKSHIRE HATHAWAY INC DEL CL A 084670108 5,990,800 8 SH SOLE 0 0 8
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,339,044 2,676 SH SOLE 0 0 2,676
BNY MELLON ETF TRUST CONCE INTL ETF 09661T834 564,473 10,458 SH SOLE 0 0 10,458
BNY MELLON ETF TRUST US LRG CP CORE 09661T107 1,075,568 7,501 SH SOLE 0 0 7,501
BONDBLOXX ETF TRUST IR M TAXAWARE 09789C721 3,997,703 78,788 SH SOLE 0 0 78,788
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102 3,826,558 171,672 SH SOLE 0 0 171,672
CAPITAL GROUP INTL FOCUS EQT SHS CREAT UNIT 14019W109 1,460,693 42,192 SH SOLE 0 0 42,192
CAPITAL GRP FIXED INCM ETF T MUN INM ETF 14020Y201 6,142,155 223,595 SH SOLE 0 0 223,595
CHEVRON CORPORATION COM 166764100 280,134 1,690 SH SOLE 0 0 1,690
CISCO SYS INC COM 17275R102 311,269 2,650 SH SOLE 0 0 2,650
EXXON MOBIL CORP COM 30231G102 618,385 4,523 SH SOLE 0 0 4,523
FLEXSHARES TR MORNSTAR UPSTR 33939L407 221,070 4,486 SH SOLE 0 0 4,486
GOLDMAN SACHS ETF TR ACCES TREASURY 381430529 2,907,445 29,028 SH SOLE 0 0 29,028
GOLDMAN SACHS ETF TR EQUAL WEIGHT US 381430438 18,489,821 195,825 SH SOLE 0 0 195,825
HARTFORD FDS EXCHANGE TRADED TOTAL RTRN ETF 41653L305 31,838,991 943,797 SH SOLE 0 0 943,797
LISTED FDS TR HORI KI INFL ETF 53656F623 749,746 15,031 SH SOLE 0 0 15,031
LITMAN GREGORY FDS TR IMGP DBI MAN ETF 53700T827 250,910 8,197 SH SOLE 0 0 8,197
INNOVATOR ETFS TRUST US EQTY PWR BUF 45782C573 1,557,217 35,112 SH SOLE 0 0 35,112
INTERNATIONAL BUSINESS MACHS COM 459200101 1,273,700 4,529 SH SOLE 0 0 4,529
ISHARES TR CORE DIV GRWTH 46434V621 635,272 8,382 SH SOLE 0 0 8,382
ISHARES TR CORE HIGH DV ETF 46429B663 1,711,433 62,438 SH SOLE 0 0 62,438
ISHARES TR CORE MSCI EAFE 46432F842 2,989,780 30,957 SH SOLE 0 0 30,957
ISHARES INC CORE MSCI EMKT 46434G103 811,814 9,800 SH SOLE 0 0 9,800
ISHARES TR CORE MSCI TOTAL 46432F834 257,497 2,698 SH SOLE 0 0 2,698
ISHARES TR CORE S&P500 ETF 464287200 33,165,411 44,286 SH SOLE 0 0 44,286
ISHARES TR CORE S&P MCP ETF 464287507 3,870,272 50,192 SH SOLE 0 0 50,192
ISHARES TR CORE S&P SCP ETF 464287804 3,033,088 20,451 SH SOLE 0 0 20,451
ISHARES TR CORE UNIVRSL USD 46434V613 2,646,333 57,342 SH SOLE 0 0 57,342
ISHARES TR CORE US AGGBD ET 464287226 3,600,200 36,373 SH SOLE 0 0 36,373
ISHARES TR MSCI INTL VLU FT 46435G409 1,363,708 32,609 SH SOLE 0 0 32,609
ISHARES TR ESG AWR MSCI USA 46435G425 584,069 3,569 SH SOLE 0 0 3,569
ISHARES TR GL TIMB FORE ETF 464288174 458,075 6,915 SH SOLE 0 0 6,915
ISHARES GOLD TR ISHARES NEW 464285204 346,591 4,590 SH SOLE 0 0 4,590
ISHARES TR INTL DIV GRWTH 46435G524 3,608,735 41,041 SH SOLE 0 0 41,041
ISHARES TR MSCI EAFE ETF 464287465 6,112,611 58,843 SH SOLE 0 0 58,843
ISHARES TR EAFE VALUE ETF 464288877 572,571 7,480 SH SOLE 0 0 7,480
ISHARES TR MSCI USA QLT FCT 46432F339 5,995,203 27,322 SH SOLE 0 0 27,322
ISHARES TR MSCI US GARP ETF 46436E403 17,544,764 212,535 SH SOLE 0 0 212,535
ISHARES TR PFD AND INCM SEC 464288687 1,330,706 43,644 SH SOLE 0 0 43,644
ISHARES TR RUS 1000 ETF 464287622 960,511 2,346 SH SOLE 0 0 2,346
ISHARES TR RUS 1000 GRW ETF 464287614 7,537,119 60,700 SH SOLE 0 0 60,700
ISHARES TR RUS 1000 VAL ETF 464287598 516,032 2,129 SH SOLE 0 0 2,129
ISHARES TR RUSSELL 2000 ETF 464287655 3,734,594 12,430 SH SOLE 0 0 12,430
ISHARES TR RUS 2000 VAL ETF 464287630 851,178 3,848 SH SOLE 0 0 3,848
ISHARES TR S&P 100 ETF 464287101 248,688 680 SH SOLE 0 0 680
ISHARES TR SELECT DIVID ETF 464287168 6,190,148 39,604 SH SOLE 0 0 39,604
ISHARES TR SELECT US REIT 464287564 4,018,494 59,419 SH SOLE 0 0 59,419
ISHARES TR US INFRASTRUC 46435U713 217,500 3,450 SH SOLE 0 0 3,450
ISHARES TR US TREAS BD ETF 46429B267 1,064,069 46,711 SH SOLE 0 0 46,711
ISHARES TR 0-3 MTH TREASURY 46436E718 24,212,961 240,518 SH SOLE 0 0 240,518
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 32,311,239 639,953 SH SOLE 0 0 639,953
JANUS DETROIT STR TR HENDRSN SHRT ETF 47103U886 202,075 4,135 SH SOLE 0 0 4,135
JOHNSON & JOHNSON COM 478160104 862,934 3,398 SH SOLE 0 0 3,398
KIMBERLY-CLARK CORP COM 494368103 252,800 2,303 SH SOLE 0 0 2,303
LINDE PLC SHS G54950103 225,739 435 SH SOLE 0 0 435
M & T BK CORP COM 55261F104 278,320 1,169 SH SOLE 0 0 1,169
MCDONALDS CORP COM 580135101 364,919 1,350 SH SOLE 0 0 1,350
MICRON TECHNOLOGY INC COM 595112103 484,802 420 SH SOLE 0 0 420
MICROSOFT CORP COM 594918104 883,311 2,368 SH SOLE 0 0 2,368
NORFOLK SOUTHN CORP COM 655844108 644,280 2,048 SH SOLE 0 0 2,048
NVIDIA CORPORATION COM 67066G104 900,819 4,502 SH SOLE 0 0 4,502
NEW YORK LIFE INVTS ACTIVE E MACK MU INSD ETF 45409F843 16,816,909 694,627 SH SOLE 0 0 694,627
NEW YORK LIFE INVTS ACTIVE E MACKAY MUN INTER 45409F827 12,664,364 520,097 SH SOLE 0 0 520,097
PEOPLES FINL SVCS CORP COM 711040105 1,005,705 15,153 SH SOLE 0 0 15,153
PGIM ETF TR AAA CLO ETF 69344A834 1,101,199 21,478 SH SOLE 0 0 21,478
PGIM ETF TR PGIM ULTRA SH BD 69344A107 5,945,158 119,983 SH SOLE 0 0 119,983
PLAINS ALL AMERN PIPELINE L UNIT LTD PARTN 726503105 445,200 20,000 SH SOLE 0 0 20,000
PPL CORP COM 69351T106 722,420 19,874 SH SOLE 0 0 19,874
PRINCIPAL EXCHANGE TRADED FD SPECTRUM PFD 74255Y888 16,063,877 842,806 SH SOLE 0 0 842,806
PROCTER & GAMBLE CO COM 742718109 275,683 1,880 SH SOLE 0 0 1,880
PROSHARES TR S&P 500 DV ARIST 74348A467 3,355,560 59,750 SH SOLE 0 0 59,750
ROSS STORES INC COM 778296103 425,700 2,000 SH SOLE 0 0 2,000
SCHWAB STRATEGIC TR 1000 INDEX ETF 808524722 9,319,754 258,451 SH SOLE 0 0 258,451
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 9,528,691 343,996 SH SOLE 0 0 343,996
SCHWAB STRATEGIC TR MUN BD ETF 808524649 2,455,275 95,092 SH SOLE 0 0 95,092
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 239,488 10,354 SH SOLE 0 0 10,354
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 931,473 32,164 SH SOLE 0 0 32,164
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 511,260 16,123 SH SOLE 0 0 16,123
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 108,744,487 3,695,022 SH SOLE 0 0 3,695,022
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,729,450 78,410 SH SOLE 0 0 78,410
SCHWAB STRATEGIC TR US REIT ETF 808524847 218,292 9,218 SH SOLE 0 0 9,218
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 4,915,548 136,052 SH SOLE 0 0 136,052
SCHWAB STRATEGIC TR US TIPS ETF 808524870 275,141 10,383 SH SOLE 0 0 10,383
SPDR SERIES TRUST ST STR BLO 1 ETF 78468R663 934,492 10,197 SH SOLE 0 0 10,197
SPDR GOLD TR GOLD SHS 78463V107 1,011,571 2,746 SH SOLE 0 0 2,746
SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 64,669,262 2,534,062 SH SOLE 0 0 2,534,062
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 6,427,536 127,556 SH SOLE 0 0 127,556
SPDR INDEX SHS FDS ST PORT MARK ETF 78463X509 343,198 6,628 SH SOLE 0 0 6,628
SPDR SERIES TRUST ST STR P500VAL 78464A508 2,446,668 40,248 SH SOLE 0 0 40,248
SPDR SERIES TRUST ST STR P500ETF 78464A854 28,048,609 319,169 SH SOLE 0 0 319,169
SPDR SERIES TRUST ST STR SP600 SML 78468R853 26,840,475 465,415 SH SOLE 0 0 465,415
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 8,259,828 11,061 SH SOLE 0 0 11,061
SPDR SERIES TRUST ST STR SP600SM C 78464A300 6,890,187 63,149 SH SOLE 0 0 63,149
SSGA ACTIVE ETF TR ST STR REAL ETF 78467V103 1,818,035 52,681 SH SOLE 0 0 52,681
SPDR SERIES TRUST ST STR SP600GRWO 78464A201 13,250,592 111,228 SH SOLE 0 0 111,228
TAIWAN SEMICONDUCTOR MANUFAC SPONSORED ADS 874039100 216,365 453 SH SOLE 0 0 453
TRAVELERS COMPANIES INC COM 89417E109 246,270 746 SH SOLE 0 0 746
TRUIST FINL CORP COM 89832Q109 431,827 8,668 SH SOLE 0 0 8,668
VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 321,564 4,249 SH SOLE 0 0 4,249
VANGUARD MALVERN FDS CORE-PLUS BD ETF 922020755 4,357,289 56,168 SH SOLE 0 0 56,168
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 4,805,454 20,309 SH SOLE 0 0 20,309
VANGUARD WORLD FD ESG INTL STK ETF 921910725 246,599 2,995 SH SOLE 0 0 2,995
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 60,513,941 722,555 SH SOLE 0 0 722,555
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 829,327 11,640 SH SOLE 0 0 11,640
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 326,457 5,469 SH SOLE 0 0 5,469
VANGUARD INDEX FDS GROWTH ETF 922908736 929,639 10,792 SH SOLE 0 0 10,792
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 4,584,292 29,009 SH SOLE 0 0 29,009
VANGUARD WORLD FD INF TECH ETF 92204A702 12,725,378 106,471 SH SOLE 0 0 106,471
VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 7,205,294 77,161 SH SOLE 0 0 77,161
VANGUARD INDEX FDS LARGE CAP ETF 922908637 13,256,929 38,548 SH SOLE 0 0 38,548
VANGUARD INDEX FDS MID CAP ETF 922908629 322,280 4,000 SH SOLE 0 0 4,000
VANGUARD SCOTTSDALE FDS VNG RUS2000IDX 92206C664 3,367,990 27,738 SH SOLE 0 0 27,738
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 364,009 530 SH SOLE 0 0 530
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 1,241,110 9,024 SH SOLE 0 0 9,024
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 475,994 6,023 SH SOLE 0 0 6,023
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 852,931 16,981 SH SOLE 0 0 16,981
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,388,714 7,880 SH SOLE 0 0 7,880
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 4,582,552 90,600 SH SOLE 0 0 90,600
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 654,524 8,916 SH SOLE 0 0 8,916
VANGUARD STAR FDS VG TL INTL STK F 921909768 2,322,920 27,172 SH SOLE 0 0 27,172
VANGUARD INDEX FDS TOTAL STK MKT 922908769 3,518,656 9,509 SH SOLE 0 0 9,509
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 827,281 5,271 SH SOLE 0 0 5,271
VANGUARD INDEX FDS VALUE ETF 922908744 704,485 3,233 SH SOLE 0 0 3,233
YUM BRANDS INC COM 988498101 632,406 3,956 SH SOLE 0 0 3,956