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 BBG0025Y4RZ3 252,632 1,630 SH   SOLE   0 0 1,630
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,370,803 9,022 SH   SOLE   0 0 9,022
APPLE INC COM 037833100 BBG001S5N8V8 12,752,952 66,238 SH   SOLE   0 0 66,238
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 1,085,250 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,076,043 3,017 SH   SOLE   0 0 3,017
DIGIMARC CORP NEW COM 25381B101 BBG001T2W3C6 2,548,193 70,548 SH   SOLE   0 0 70,548
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 488,391 17,054 SH   SOLE   0 0 17,054
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617 BBG01J9W24S6 710,504 12,940 SH   SOLE   0 0 12,940
EXTRA SPACE STORAGE INC COM 30225T102 BBG001SLSXK5 626,556 3,908 SH   SOLE   0 0 3,908
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824 BBG00DRFDQX0 341,470 6,447 SH   SOLE   0 0 6,447
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816 BBG00DRGLGV3 1,362,442 25,745 SH   SOLE   0 0 25,745
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 280,573 685 SH   SOLE   0 0 685
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 8,673,462 171,483 SH   SOLE   0 0 171,483
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 399,201 7,180 SH   SOLE   0 0 7,180
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 4,791,942 47,751 SH   SOLE   0 0 47,751
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,965,394 27,937 SH   SOLE   0 0 27,937
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 21,638,992 78,077 SH   SOLE   0 0 78,077
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 13,039,269 120,445 SH   SOLE   0 0 120,445
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 41,626,264 87,150 SH   SOLE   0 0 87,150
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 235,742 3,808 SH   SOLE   0 0 3,808
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 893,180 11,446 SH   SOLE   0 0 11,446
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 4,559,164 29,060 SH   SOLE   0 0 29,060
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 322,368 2,057 SH   SOLE   0 0 2,057
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 842,480 4,000 SH   SOLE   0 0 4,000
LINDE PLC SHS G54950103 BBG01FND0CH6 1,321,672 3,217 SH   SOLE   0 0 3,217
M & T BK CORP COM 55261F104 BBG001S7S2B4 546,262 3,986 SH   SOLE   0 0 3,986
MICROSOFT CORP COM 594918104 BBG001S5TD05 633,865 1,683 SH   SOLE   0 0 1,683
MOOG INC CL A 615394202 BBG001S5T922 441,289 3,048 SH   SOLE   0 0 3,048
NUCOR CORP COM 670346105 BBG001S5TRV0 201,121 1,156 SH   SOLE   0 0 1,156
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 886,644 1,790 SH   SOLE   0 0 1,790
OBSIDIAN ENERGY LTD COM 674482203 BBG001S603F0 68,478 10,100 SH   SOLE   0 0 10,100
PPG INDS INC COM 693506107 BBG001S5VC13 359,668 2,405 SH   SOLE   0 0 2,405
SCHLUMBERGER LTD COM STK 806857108 BBG001S5W4C8 208,160 4,000 SH   SOLE   0 0 4,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 619,032 1,302 SH   SOLE   0 0 1,302
UNION PAC CORP COM 907818108 BBG001S5X2M0 797,881 3,248 SH   SOLE   0 0 3,248
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG001TC6MJ4 6,985,201 74,336 SH   SOLE   0 0 74,336
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 6,046,292 60,957 SH   SOLE   0 0 60,957
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 315,918 1,922 SH   SOLE   0 0 1,922
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 747,630 8,462 SH   SOLE   0 0 8,462
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 13,059,492 29,899 SH   SOLE   0 0 29,899
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 378,534 2,532 SH   SOLE   0 0 2,532
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 825,408 14,241 SH   SOLE   0 0 14,241
WHITE MTNS INS GROUP LTD COM G9618E107 BBG001SBLRT8 511,703 340 SH   SOLE   0 0 340