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
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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
AMAZON COM INC COM 023135106 384,757 1,550 SH SOLE 0 0 1,550
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 10,258,879 108,933 SH SOLE 0 0 108,933
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 16,042,857 148,462 SH SOLE 0 0 148,462
AMERICAN CENTY ETF TR US SML CP VALU 025072877 15,388,391 129,203 SH SOLE 0 0 129,203
APPLE INC COM 037833100 1,552,175 4,677 SH SOLE 0 0 4,677
APPLIED MATLS INC COM 038222105 246,125 465 SH SOLE 0 0 465
AT&T INC COM 00206R102 228,785 9,415 SH SOLE 0 0 9,415
BNY MELLON ETF TRUST GLOBAL INFRASCTR 09661T826 12,224,036 295,651 SH SOLE 0 0 295,651
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201 1,672,451 20,617 SH SOLE 0 0 20,617
DELL TECHNOLOGIES INC CL C 24703L202 303,374 560 SH SOLE 0 0 560
EA SERIES TRUST CAMB US EQUA ETF 02072Q572 836,792 15,080 SH SOLE 0 0 15,080
EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 336,773 2,053 SH SOLE 0 0 2,053
FIRST TR EXCHANGE-TRADED FD FT VEST S&P 500 33739Q705 417,435 8,673 SH SOLE 0 0 8,673
FIRST TR EXCHNG TRADED FD VI FT ENER INCO ETF 33740F276 2,916,931 136,051 SH SOLE 0 0 136,051
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 14,710,345 282,775 SH SOLE 0 0 282,775
GLOBAL X FDS GLB X MLP ENRG I 37954Y293 6,225,508 88,153 SH SOLE 0 0 88,153
GLOBAL X FDS RUSSELL 2000 37954Y459 369,981 23,901 SH SOLE 0 0 23,901
GLOBAL X FDS 1 3 MO T BI ET 37960A438 4,179,859 41,778 SH SOLE 0 0 41,778
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396 389,530 3,574 SH SOLE 0 0 3,574
INTERCONTINENTAL EXCHANGE IN COM 45866F104 379,735 2,507 SH SOLE 0 0 2,507
INVESCO EXCH TRADED FD TR II DORSEY WRGT SMLC 46138E842 1,422,663 13,149 SH SOLE 0 0 13,149
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664 1,516,758 26,680 SH SOLE 0 0 26,680
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 733,313 37,500 SH SOLE 0 0 37,500
INVESCO EXCH TRD SLF IDX FD BUL 2033 COR ETF 46139W825 4,303,030 214,248 SH SOLE 0 0 214,248
INVESCO EXCHANGE TRADED FD T S&P MDCP MOMNTUM 46137V464 247,904 1,660 SH SOLE 0 0 1,660
INVESCO QQQ TR UNIT SER 1 46090E103 719,769 970 SH SOLE 0 0 970
ISHARES GOLD TR ISHARES NEW 464285204 5,833,973 75,031 SH SOLE 0 0 75,031
ISHARES INC EM MKT SM-CP ETF 464286475 622,784 8,297 SH SOLE 0 0 8,297
ISHARES INC MSCI EURZONE ETF 464286608 5,223,608 79,002 SH SOLE 0 0 79,002
ISHARES INC CORE MSCI EMKT 46434G103 29,932,704 368,126 SH SOLE 0 0 368,126
ISHARES INC MSCI EMRG CHN 46434G764 4,122,736 41,501 SH SOLE 0 0 41,501
ISHARES INC ESG AWR MSCI EM 46434G863 1,501,364 27,703 SH SOLE 0 0 27,703
ISHARES SILVER TR ISHARES 46428Q109 224,757 4,085 SH SOLE 0 0 4,085
ISHARES TR CORE MSCI EAFE 46432F842 80,229,675 835,876 SH SOLE 0 0 835,876
ISHARES TR CORE S&P TTL STK 464287150 290,506 1,743 SH SOLE 0 0 1,743
ISHARES TR CORE S&P500 ETF 464287200 39,196,236 51,078 SH SOLE 0 0 51,078
ISHARES TR S&P 500 GRWT ETF 464287309 4,324,693 30,144 SH SOLE 0 0 30,144
ISHARES TR S&P 500 VAL ETF 464287408 1,935,534 8,411 SH SOLE 0 0 8,411
ISHARES TR 7-10 YR TRSY BD 464287440 332,464 3,723 SH SOLE 0 0 3,723
ISHARES TR CORE S&P MCP ETF 464287507 21,937,900 301,733 SH SOLE 0 0 301,733
ISHARES TR RUS 1000 VAL ETF 464287598 6,863,196 27,575 SH SOLE 0 0 27,575
ISHARES TR RUS 1000 GRW ETF 464287614 11,214,583 88,912 SH SOLE 0 0 88,912
ISHARES TR CORE S&P SCP ETF 464287804 10,740,756 78,417 SH SOLE 0 0 78,417
ISHARES TR MSCI ACWI EX US 464288240 535,515 7,125 SH SOLE 0 0 7,125
ISHARES TR MSCI ACWI ETF 464288257 332,719 2,096 SH SOLE 0 0 2,096
ISHARES TR MRGSTR MD CP GRW 464288307 1,769,933 18,682 SH SOLE 0 0 18,682
ISHARES TR MBS ETF 464288588 70,427,281 787,190 SH SOLE 0 0 787,190
ISHARES TR CORE HIGH DV ETF 46429B663 3,835,581 136,103 SH SOLE 0 0 136,103
ISHARES TR MSCI USA MIN ETF 46429B697 661,672 6,749 SH SOLE 0 0 6,749
ISHARES TR CORE DIV GRWTH 46434V621 1,819,688 24,121 SH SOLE 0 0 24,121
ISHARES TR ESG AWRE USD ETF 46435G193 244,671 11,162 SH SOLE 0 0 11,162
ISHARES TR ESG AWRE 1 5 YR 46435G243 308,744 12,669 SH SOLE 0 0 12,669
ISHARES TR ESG AWR MSCI USA 46435G425 959,131 5,733 SH SOLE 0 0 5,733
ISHARES TR ESG AW MSCI EAFE 46435G516 3,760,951 36,854 SH SOLE 0 0 36,854
ISHARES TR ESG AWARE MSCI 46435U663 207,857 3,969 SH SOLE 0 0 3,969
ISHARES TR 0-3 MTH TREASURY 46436E718 1,251,462 12,461 SH SOLE 0 0 12,461
ISHARES TR IBONDS 27 TRM TS 46436E841 378,590 17,000 SH SOLE 0 0 17,000
ISHARES TR BB RAT CORP BD 46435U473 1,842,510 40,872 SH SOLE 0 0 40,872
ISHARES TR RUSSELL 2000 ETF 464287655 215,218 775 SH SOLE 0 0 775
ISHARES TR NATIONAL MUN ETF 464288414 470,032 4,676 SH SOLE 0 0 4,676
J P MORGAN EXCHANGE TRADED F MORTGAGE BACKED 46654Q575 851,291 17,691 SH SOLE 0 0 17,691
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 46,488,397 830,011 SH SOLE 0 0 830,011
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 840,229 11,301 SH SOLE 0 0 11,301
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837 3,480,346 69,302 SH SOLE 0 0 69,302
J P MORGAN EXCHANGE TRADED F DIVERSFD EQT ETF 46641Q845 624,745 11,034 SH SOLE 0 0 11,034
J P MORGAN EXCHANGE TRADED F DIVERSFED RTRN 46641Q886 585,268 4,896 SH SOLE 0 0 4,896
JANUS DETROIT STR TR HEND SECU IN ETF 47103U746 25,356,075 506,984 SH SOLE 0 0 506,984
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 43,721,585 866,243 SH SOLE 0 0 866,243
JOHN HANCOCK EXCHANGE TRADED MORTGAGE BACKED 47804J792 219,863 10,545 SH SOLE 0 0 10,545
JOHNSON & JOHNSON COM 478160104 271,852 1,051 SH SOLE 0 0 1,051
JPMORGAN CHASE & CO COM 46625H100 499,437 1,499 SH SOLE 0 0 1,499
KLA CORP COM NEW 482480100 318,525 1,590 SH SOLE 0 0 1,590
LINDE PLC SHS G54950103 1,045,397 2,160 SH SOLE 0 0 2,160
M & T BK CORP COM 55261F104 451,001 2,075 SH SOLE 0 0 2,075
MERCK & CO INC COM 58933Y105 257,022 1,800 SH SOLE 0 0 1,800
MICROSOFT CORP COM 594918104 871,063 1,670 SH SOLE 0 0 1,670
MORGAN STANLEY ETF TRUST PARA EQ PREM ETF 61774R866 842,644 31,833 SH SOLE 0 0 31,833
NATIONAL FUEL GAS CO COM 636180101 674,215 8,841 SH SOLE 0 0 8,841
NUVEEN CHURCHILL DIRECT LEND COM SHS 67090S108 380,603 34,043 SH SOLE 0 0 34,043
NVIDIA CORPORATION COM 67066G104 1,019,003 4,351 SH SOLE 0 0 4,351
PALMER SQUARE CAPITAL BDC IN COM SHS 69702V107 416,621 42,211 SH SOLE 0 0 42,211
PAYCHEX INC COM 704326107 283,310 2,810 SH SOLE 0 0 2,810
PIMCO EQUITY SER RAFI ESG US 72201T342 223,697 4,577 SH SOLE 0 0 4,577
PIMCO ETF TR ENHNCD LW DUR AC 72201R718 449,928 4,788 SH SOLE 0 0 4,788
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 2,390,934 79,459 SH SOLE 0 0 79,459
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 264,363 8,067 SH SOLE 0 0 8,067
SELECT SECTOR SPDR TR ST STR UTIL ETF 81369Y886 6,445,699 161,530 SH SOLE 0 0 161,530
SPDR INDEX SHS FDS ST STR PO EX ETF 78463X889 340,767 6,829 SH SOLE 0 0 6,829
SPDR SERIES TRUST ST INTER BD ETF 78464A375 30,756,776 953,764 SH SOLE 0 0 953,764
SPDR SERIES TRUST ST STR P500GRW 78464A409 50,074,663 404,245 SH SOLE 0 0 404,245
SPDR SERIES TRUST ST STR P500VAL 78464A508 53,743,263 876,320 SH SOLE 0 0 876,320
SPDR SERIES TRUST ST STR P400MID 78464A847 11,199,297 175,853 SH SOLE 0 0 175,853
SPDR SERIES TRUST ST STR P500ETF 78464A854 31,571,946 350,094 SH SOLE 0 0 350,094
SPDR SERIES TRUST ST STR SP600 SML 78468R853 3,562,035 66,905 SH SOLE 0 0 66,905
SSGA ACTIVE ETF TR ST STR BL LN ETF 78467V608 2,062,197 51,277 SH SOLE 0 0 51,277
STATE STR SPDR DOW JONES IND UT SER 1 78467X109 620,516 1,220 SH SOLE 0 0 1,220
STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 1,393,518 1,824 SH SOLE 0 0 1,824
TCW ETF TRUST AAA CLO ETF 29287L858 386,765 7,680 SH SOLE 0 0 7,680
ULTIMUS MANAGERS TR WEST SA ENER ETF 90386K571 385,542 15,738 SH SOLE 0 0 15,738
VANECK ETF TRUST GREEN BOND ETF 92189F171 255,948 11,037 SH SOLE 0 0 11,037
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 22,400,156 31,893 SH SOLE 0 0 31,893
VANGUARD INDEX FDS MRNGSTR SML CP V 922908611 492,663 2,119 SH SOLE 0 0 2,119
VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 948,298 11,932 SH SOLE 0 0 11,932
VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 277,549 3,076 SH SOLE 0 0 3,076
VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 250,167 873 SH SOLE 0 0 873
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 229,535 3,888 SH SOLE 0 0 3,888
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847 26,708,157 534,437 SH SOLE 0 0 534,437
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680 245,084 1,894 SH SOLE 0 0 1,894
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714 565,916 5,200 SH SOLE 0 0 5,200
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 6,309,865 92,236 SH SOLE 0 0 92,236
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 2,537,662 32,480 SH SOLE 0 0 32,480
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1,641,818 23,381 SH SOLE 0 0 23,381
VANGUARD WORLD FD EXTENDED DUR 921910709 2,658,305 48,465 SH SOLE 0 0 48,465
VANGUARD WORLD FD ESG INTL STK ETF 921910725 510,667 6,350 SH SOLE 0 0 6,350
VANGUARD WORLD FD ESG US STK ETF 921910733 373,038 2,750 SH SOLE 0 0 2,750
VERIZON COMMUNICATIONS INC COM 92343V104 249,625 5,429 SH SOLE 0 0 5,429
WORLD GOLD TR SPDR GLD MINIS 98149E303 13,378,918 162,187 SH SOLE 0 0 162,187