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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   278,645 1,798 SH   SOLE   0 0 1,798
AMAZON COM INC COM 023135106   569,405 3,748 SH   SOLE   0 0 3,748
AMGEN INC COM 031162100   400,458 1,390 SH   SOLE   0 0 1,390
APPLE INC COM 037833100   10,738,865 55,778 SH   SOLE   0 0 55,778
ARM HOLDINGS PLC SPONSORED ADR 042068205   300,580 4,000 SH   SOLE   0 0 4,000
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   271,776 5,192 SH   SOLE   0 0 5,192
BOEING CO COM 097023105   1,113,801 4,273 SH   SOLE   0 0 4,273
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   312,682 11,049 SH   SOLE   0 0 11,049
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   209,870 7,033 SH   SOLE   0 0 7,033
CATERPILLAR INC COM 149123101   1,325,910 4,484 SH   SOLE   0 0 4,484
COCA COLA CO COM 191216100   324,646 5,509 SH   SOLE   0 0 5,509
COMCAST CORP NEW CL A 20030N101   305,972 6,978 SH   SOLE   0 0 6,978
CORNING INC COM 219350105   201,340 6,612 SH   SOLE   0 0 6,612
DEERE & CO COM 244199105   613,252 1,534 SH   SOLE   0 0 1,534
EASTMAN CHEM CO COM 277432100   277,494 3,089 SH   SOLE   0 0 3,089
EXXON MOBIL CORP COM 30231G102   980,222 9,804 SH   SOLE   0 0 9,804
HEXCEL CORP NEW COM 428291108   221,250 3,000 SH   SOLE   0 0 3,000
HONEYWELL INTL INC COM 438516106   419,420 2,000 SH   SOLE   0 0 2,000
INTEL CORP COM 458140100   263,044 5,235 SH   SOLE   0 0 5,235
INTERNATIONAL BUSINESS MACHS COM 459200101   274,713 1,680 SH   SOLE   0 0 1,680
INTUIT COM 461202103   358,717 574 SH   SOLE   0 0 574
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   372,991 5,953 SH   SOLE   0 0 5,953
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   323,062 17,503 SH   SOLE   0 0 17,503
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   265,230 1,681 SH   SOLE   0 0 1,681
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500   263,318 11,083 SH   SOLE   0 0 11,083
INVESCO QQQ TR UNIT SER 1 46090E103   3,854,135 9,411 SH   SOLE   0 0 9,411
ISHARES INC CORE MSCI EMKT 46434G103   7,632,546 150,900 SH   SOLE   0 0 150,900
ISHARES INC ESG AWR MSCI EM 46434G863   225,303 7,028 SH   SOLE   0 0 7,028
ISHARES INC MSCI EMRG CHN 46434G764   3,903,898 70,455 SH   SOLE   0 0 70,455
ISHARES INC MSCI GBL MIN VOL 464286525   235,805 2,350 SH   SOLE   0 0 2,350
ISHARES TR 10-20 YR TRS ETF 464288653   1,015,443 9,380 SH   SOLE   0 0 9,380
ISHARES TR 20 YR TR BD ETF 464287432   10,194,732 103,102 SH   SOLE   0 0 103,102
ISHARES TR 7-10 YR TRSY BD 464287440   656,434 6,810 SH   SOLE   0 0 6,810
ISHARES TR AGGRES ALLOC ETF 464289859   626,483 9,073 SH   SOLE   0 0 9,073
ISHARES TR CORE DIV GRWTH 46434V621   579,157 10,761 SH   SOLE   0 0 10,761
ISHARES TR CORE HIGH DV ETF 46429B663   224,313 2,199 SH   SOLE   0 0 2,199
ISHARES TR CORE MSCI EAFE 46432F842   456,454 6,488 SH   SOLE   0 0 6,488
ISHARES TR CORE MSCI TOTAL 46432F834   251,507 3,874 SH   SOLE   0 0 3,874
ISHARES TR CORE S&P MCP ETF 464287507   612,694 2,211 SH   SOLE   0 0 2,211
ISHARES TR CORE S&P SCP ETF 464287804   485,256 4,483 SH   SOLE   0 0 4,483
ISHARES TR CORE S&P US GWT 464287671   464,539 4,462 SH   SOLE   0 0 4,462
ISHARES TR CORE S&P500 ETF 464287200   104,697,754 219,203 SH   SOLE   0 0 219,203
ISHARES TR CORE TOTAL USD 46434V613   42,245,827 916,992 SH   SOLE   0 0 916,992
ISHARES TR EAFE GRWTH ETF 464288885   12,312,169 127,126 SH   SOLE   0 0 127,126
ISHARES TR EAFE VALUE ETF 464288877   19,677,164 377,681 SH   SOLE   0 0 377,681
ISHARES TR ESG AWR MSCI USA 46435G425   8,421,114 80,262 SH   SOLE   0 0 80,262
ISHARES TR ESG MSCI LEADR 46435U218   406,104 4,813 SH   SOLE   0 0 4,813
ISHARES TR EUROPE ETF 464287861   728,887 13,789 SH   SOLE   0 0 13,789
ISHARES TR EXPND TEC SC ETF 464287549   303,418 677 SH   SOLE   0 0 677
ISHARES TR FALN ANGLS USD 46435G474   463,287 17,549 SH   SOLE   0 0 17,549
ISHARES TR GLOBAL ENERG ETF 464287341   2,562,127 65,511 SH   SOLE   0 0 65,511
ISHARES TR GLOBAL TECH ETF 464287291   360,469 5,287 SH   SOLE   0 0 5,287
ISHARES TR GRWT ALLOCAT ETF 464289867   784,805 14,755 SH   SOLE   0 0 14,755
ISHARES TR IBOXX HI YD ETF 464288513   341,177 4,409 SH   SOLE   0 0 4,409
ISHARES TR IBOXX INV CP ETF 464287242   9,632,207 87,043 SH   SOLE   0 0 87,043
ISHARES TR ISHS 1-5YR INVS 464288646   371,804 7,251 SH   SOLE   0 0 7,251
ISHARES TR JPMORGAN USD EMG 464288281   1,995,719 22,409 SH   SOLE   0 0 22,409
ISHARES TR MBS ETF 464288588   15,588,123 165,690 SH   SOLE   0 0 165,690
ISHARES TR MRGSTR MD CP GRW 464288307   225,747 3,503 SH   SOLE   0 0 3,503
ISHARES TR MSCI INTL VLU FT 46435G409   784,233 29,583 SH   SOLE   0 0 29,583
ISHARES TR MSCI USA MIN VOL 46429B697   2,419,583 31,008 SH   SOLE   0 0 31,008
ISHARES TR MSCI USA QLT FCT 46432F339   21,918,583 148,964 SH   SOLE   0 0 148,964
ISHARES TR MSCI USA VALUE 46432F388   220,839 2,183 SH   SOLE   0 0 2,183
ISHARES TR NATIONAL MUN ETF 464288414   5,221,870 48,168 SH   SOLE   0 0 48,168
ISHARES TR PFD AND INCM SEC 464288687   488,378 15,658 SH   SOLE   0 0 15,658
ISHARES TR RUS 1000 GRW ETF 464287614   515,642 1,701 SH   SOLE   0 0 1,701
ISHARES TR RUS 2000 GRW ETF 464287648   403,364 1,599 SH   SOLE   0 0 1,599
ISHARES TR S&P 100 ETF 464287101   7,757,468 34,726 SH   SOLE   0 0 34,726
ISHARES TR S&P 500 GRWT ETF 464287309   6,692,097 89,109 SH   SOLE   0 0 89,109
ISHARES TR S&P MC 400GR ETF 464287606   308,958 3,900 SH   SOLE   0 0 3,900
ISHARES TR SELECT DIVID ETF 464287168   1,432,183 12,218 SH   SOLE   0 0 12,218
ISHARES TR SHRT NAT MUN ETF 464288158   630,292 5,978 SH   SOLE   0 0 5,978
ISHARES TR TIPS BD ETF 464287176   1,043,496 9,708 SH   SOLE   0 0 9,708
ISHARES TR TRS FLT RT BD 46434V860   12,107,649 239,898 SH   SOLE   0 0 239,898
ISHARES TR U.S. REAL ES ETF 464287739   361,793 3,958 SH   SOLE   0 0 3,958
ISHARES TR U.S. TECH ETF 464287721   9,732,293 79,285 SH   SOLE   0 0 79,285
ISHARES TR US INFRASTRUC 46435U713   2,461,240 61,118 SH   SOLE   0 0 61,118
ISHARES TR US TREAS BD ETF 46429B267   1,313,187 56,996 SH   SOLE   0 0 56,996
JOHNSON & JOHNSON COM 478160104   415,032 2,648 SH   SOLE   0 0 2,648
JPMORGAN CHASE & CO COM 46625H100   948,822 5,578 SH   SOLE   0 0 5,578
KNIGHTSCOPE INC CLASS A COM 49907V102   15,000 25,000 SH   SOLE   0 0 25,000
LAKELAND INDS INC COM 511795106   265,766 14,335 SH   SOLE   0 0 14,335
LOCKHEED MARTIN CORP COM 539830109   278,726 615 SH   SOLE   0 0 615
M & T BK CORP COM 55261F104   270,958 1,977 SH   SOLE   0 0 1,977
MCDONALDS CORP COM 580135101   1,053,007 3,551 SH   SOLE   0 0 3,551
MERCK & CO INC COM 58933Y105   417,761 3,832 SH   SOLE   0 0 3,832
MICROSOFT CORP COM 594918104   3,126,853 8,315 SH   SOLE   0 0 8,315
NVIDIA CORPORATION COM 67066G104   733,970 1,482 SH   SOLE   0 0 1,482
ORACLE CORP COM 68389X105   417,434 3,959 SH   SOLE   0 0 3,959
PAYCHEX INC COM 704326107   764,907 6,422 SH   SOLE   0 0 6,422
PEPSICO INC COM 713448108   223,872 1,318 SH   SOLE   0 0 1,318
PROCTER AND GAMBLE CO COM 742718109   323,601 2,208 SH   SOLE   0 0 2,208
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   210,808 3,447 SH   SOLE   0 0 3,447
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   245,505 6,529 SH   SOLE   0 0 6,529
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   313,658 4,953 SH   SOLE   0 0 4,953
SOUTHERN CO COM 842587107   203,346 2,900 SH   SOLE   0 0 2,900
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,020,337 6,354 SH   SOLE   0 0 6,354
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,338,196 2,637 SH   SOLE   0 0 2,637
SPDR SER TR PORTFOLIO S&P600 78468R853   243,759 5,779 SH   SOLE   0 0 5,779
SPDR SER TR S&P DIVID ETF 78464A763   1,859,892 14,883 SH   SOLE   0 0 14,883
SRH TOTAL RETURN FUND INC COM 101507101   170,334 12,281 SH   SOLE   0 0 12,281
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   208,000 2,000 SH   SOLE   0 0 2,000
TESLA INC COM 88160R101   1,296,072 5,216 SH   SOLE   0 0 5,216
TRANSCAT INC COM 893529107   630,288 5,765 SH   SOLE   0 0 5,765
VANGUARD INDEX FDS GROWTH ETF 922908736   268,514 864 SH   SOLE   0 0 864
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,155,707 61,816 SH   SOLE   0 0 61,816
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   203,628 1,195 SH   SOLE   0 0 1,195
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   282,686 2,532 SH   SOLE   0 0 2,532
VISA INC COM CL A 92826C839   1,045,978 4,018 SH   SOLE   0 0 4,018
WALMART INC COM 931142103   555,766 3,525 SH   SOLE   0 0 3,525