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
AMAZON COM INC COM 023135106 BBG001S5PQL7 213,570 1,184 SH   SOLE   1,184 0 0
APPLE INC COM 037833100 BBG001S5N8V8 220,226 1,285 SH   SOLE   1,285 0 0
BOEING CO COM 097023105 BBG001S5P0V3 283,186 1,467 SH   SOLE   1,467 0 0
EVANS BANCORP INC COM NEW 29911Q208 BBG001S6KMM8 1,099,983 36,838 SH   SOLE   36,838 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 6,798,516 15,286 SH   SOLE   15,286 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 16,825,186 160,184 SH   SOLE   160,184 0 0
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 16,488,247 174,251 SH   SOLE   174,251 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 276,231 2,498 SH   SOLE   2,498 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 21,271,607 195,296 SH   SOLE   195,296 0 0
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 2,853,886 61,267 SH   SOLE   61,267 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 336,374 1,795 SH   SOLE   1,795 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 253,614 3,016 SH   SOLE   3,016 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 385,942 1,834 SH   SOLE   1,834 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 8,090,133 139,823 SH   SOLE   139,823 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 466,139 8,594 SH   SOLE   8,594 0 0
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 205,980 1,000 SH   SOLE   1,000 0 0
PFIZER INC COM 717081103 BBG001S5V466 584,189 21,051 SH   SOLE   21,051 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 999,890 20,741 SH   SOLE   20,741 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 11,819,946 256,955 SH   SOLE   256,955 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 43,944,329 719,799 SH   SOLE   719,799 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 24,209,014 300,243 SH   SOLE   300,243 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 12,110,249 130,572 SH   SOLE   130,572 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 426,523 1,806 SH   SOLE   1,806 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 2,955,597 6,144 SH   SOLE   6,144 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 256,251 1,255 SH   SOLE   1,255 0 0
VICTORY PORTFOLIOS II VCSHS US LRG CAP 92647N865 BBG009K7JND7 3,094,184 49,770 SH   SOLE   49,770 0 0