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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
ABBVIE INC COM 00287Y109 259,236 991 SH SOLE 0 0 991
ALPHABET INC CAP STK CL C 02079K107 670,675 1,968 SH SOLE 0 0 1,968
EATON VANCE ENHANCED EQUITY COM 278277108 255,600 12,000 SH SOLE 0 0 12,000
INVESCO QQQ TR UNIT SER 1 46090E103 650,992 880 SH SOLE 0 0 880
ISHARES TR ISHS 1-5YR INVS 464288646 4,132,532 80,666 SH SOLE 0 0 80,666
ISHARES TR MSCI EAFE ETF 464287465 886,833 8,536 SH SOLE 0 0 8,536
ISHARES TR TIPS BD ETF 464287176 265,734 2,554 SH SOLE 0 0 2,554
ISHARES TR RUSSELL 2000 ETF 464287655 267,922 964 SH SOLE 0 0 964
ISHARES TR CORE US AGGBD ET 464287226 419,760 4,440 SH SOLE 0 0 4,440
ISHARES TR CORE S&P500 ETF 464287200 531,996 695 SH SOLE 0 0 695
ISHARES TR CORE S&P SCP ETF 464287804 295,865 2,175 SH SOLE 0 0 2,175
ISHARES TR NEW YORK MUN ETF 464288323 380,971 7,541 SH SOLE 0 0 7,541
KEEL INFRASTRUCTURE CORP COM SHS 486917107 61,133 17,318 SH SOLE 0 0 17,318
MICROSOFT CORP COM 594918104 225,313 439 SH SOLE 0 0 439
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 202,522 7,372 SH SOLE 0 0 7,372
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 219,469 6,108 SH SOLE 0 0 6,108
SPDR SERIES TRUST ST STR SP1500VT 78464A128 415,387 1,738 SH SOLE 0 0 1,738
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 707,412 1,391 SH SOLE 0 0 1,391
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 21,401,748 28,063 SH SOLE 0 0 28,063
STATE STR SPDR S&P MIDCAP 40 UTSER1 S&PDCRP 78467Y107 477,348 727 SH SOLE 0 0 727
VANGUARD BD INDEX FDS INTERMED TERM 921937819 29,563,730 405,761 SH SOLE 0 0 405,761
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 33,462,060 437,985 SH SOLE 0 0 437,985
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 3,182,471 40,582 SH SOLE 0 0 40,582
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 4,322,316 15,193 SH SOLE 0 0 15,193
VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 22,753,365 105,301 SH SOLE 0 0 105,301
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 7,888,631 87,544 SH SOLE 0 0 87,544
VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 3,687,595 9,854 SH SOLE 0 0 9,854
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 2,346,330 3,348 SH SOLE 0 0 3,348
VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 300,262 853 SH SOLE 0 0 853
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 16,365,420 197,245 SH SOLE 0 0 197,245
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 2,136,926 45,121 SH SOLE 0 0 45,121
VANGUARD NY TAX FREE FDS TAX EXEMPT BD 92204H400 424,110 4,357 SH SOLE 0 0 4,357
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 21,213,437 368,545 SH SOLE 0 0 368,545
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,596,657 22,612 SH SOLE 0 0 22,612
VANGUARD WORLD FD MRNGSTR VAL ETF 921910840 9,174,782 56,954 SH SOLE 0 0 56,954