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    <nameOfIssuer>BERKSHIRE HATHAWAY CL B</nameOfIssuer>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>GOLDMAN SACHS GROUP INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>INTUITIVE SURGICAL</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>46120E602</cusip>
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    <nameOfIssuer>J.P. MORGAN  CHASE &amp; CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>LOWE'S COMPANIES INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>548661107</cusip>
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    <titleOfClass>COM</titleOfClass>
    <cusip>573874104</cusip>
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    <titleOfClass>COM</titleOfClass>
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    <nameOfIssuer>META PLATFORMS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <titleOfClass>COM</titleOfClass>
    <cusip>609207105</cusip>
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    <nameOfIssuer>NORTHROP GRUMMAN CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
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    <titleOfClass>COM</titleOfClass>
    <cusip>67066G104</cusip>
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    <titleOfClass>COM</titleOfClass>
    <cusip>75513E101</cusip>
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      <None>71163</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>775711104</cusip>
    <value>2373</value>
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      <sshPrnamt>44430</sshPrnamt>
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      <None>44430</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>778296103</cusip>
    <value>2400</value>
    <shrsOrPrnAmt>
      <sshPrnamt>11077</sshPrnamt>
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      <None>11077</None>
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    <titleOfClass>COM</titleOfClass>
    <cusip>78409V104</cusip>
    <value>681</value>
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      <sshPrnamt>1600</sshPrnamt>
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      <None>1600</None>
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    <cusip>79466l302</cusip>
    <value>2088</value>
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      <sshPrnamt>11188</sshPrnamt>
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      <None>11188</None>
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    <nameOfIssuer>TC ENERGY CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>87807B107</cusip>
    <value>3112</value>
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      <sshPrnamt>49715</sshPrnamt>
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      <None>49715</None>
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    <nameOfIssuer>TELEDYNE TECHNOLOGIES INC</nameOfIssuer>
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    <cusip>879360105</cusip>
    <value>4323</value>
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      <None>7145</None>
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    <nameOfIssuer>THALES SA F UNSPONSORED ADR 1</nameOfIssuer>
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    <cusip>883219206</cusip>
    <value>3166</value>
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      <Shared>0</Shared>
      <None>53843</None>
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    <nameOfIssuer>UNION PACIFIC CORP</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>907818108</cusip>
    <value>3858</value>
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      <sshPrnamt>15903</sshPrnamt>
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      <None>15903</None>
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    <nameOfIssuer>VERIZON COMMUNICATIONS</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92343V104</cusip>
    <value>9112</value>
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      <Sole>0</Sole>
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      <None>181519</None>
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    <nameOfIssuer>VISA INC CL A</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>92826c839</cusip>
    <value>8574</value>
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      <sshPrnamt>28369</sshPrnamt>
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      <None>28369</None>
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    <nameOfIssuer>WALMART INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>931142103</cusip>
    <value>14854</value>
    <shrsOrPrnAmt>
      <sshPrnamt>119517</sshPrnamt>
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      <Sole>0</Sole>
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      <None>119517</None>
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    <nameOfIssuer>WALT DISNEY CO</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>254687106</cusip>
    <value>218</value>
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      <None>2257</None>
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    <nameOfIssuer>ZOETIS INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98978v103</cusip>
    <value>3081</value>
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      <None>26063</None>
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    <nameOfIssuer>ZSCALER INC</nameOfIssuer>
    <titleOfClass>COM</titleOfClass>
    <cusip>98980G102</cusip>
    <value>4681</value>
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      <None>33365</None>
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    <nameOfIssuer>CURRENCYSHARES SWISS FRANC TRU</nameOfIssuer>
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    <cusip>23129V109</cusip>
    <value>255</value>
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      <None>2310</None>
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    <nameOfIssuer>GLDMN SCH EQL WGHT US LRG CAP</nameOfIssuer>
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    <value>3179</value>
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      <None>37549</None>
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    <nameOfIssuer>INDUSTRIAL SELECT SECTOR</nameOfIssuer>
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    <value>400</value>
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      <None>2473</None>
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    <nameOfIssuer>INVESCO QQQ TRUST</nameOfIssuer>
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    <cusip>46090E103</cusip>
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      <None>1081</None>
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    <cusip>46137V282</cusip>
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      <None>56054</None>
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    <nameOfIssuer>ISHARES ADVANTG LRG CAP INCME</nameOfIssuer>
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    <cusip>09290C863</cusip>
    <value>229</value>
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    <value>369</value>
    <shrsOrPrnAmt>
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      <None>4180</None>
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    <nameOfIssuer>ISHARES NASDAQ BIOTECH INDX</nameOfIssuer>
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    <cusip>464287556</cusip>
    <value>2245</value>
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    <nameOfIssuer>ISHARES US BRKR-DEALRS SEC EXC</nameOfIssuer>
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    <value>2128</value>
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    <nameOfIssuer>ISHARES US MEDICAL DEVICES ETF</nameOfIssuer>
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    <value>5045</value>
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      <None>4145</None>
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    <nameOfIssuer>JPMORGAN INTERN RESRCH ENH EQT</nameOfIssuer>
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      <None>27837</None>
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    <nameOfIssuer>JPMORGAN U.S. QUALITY FACTOR E</nameOfIssuer>
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      <None>288971</None>
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    <nameOfIssuer>SCHWAB INTERNATIONAL EQUITY</nameOfIssuer>
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    <value>3972</value>
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      <sshPrnamt>160494</sshPrnamt>
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      <None>160494</None>
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    <nameOfIssuer>SCHWAB U.S. LARGE-CAP GROWTH E</nameOfIssuer>
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    <cusip>808524300</cusip>
    <value>548</value>
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      <sshPrnamt>18816</sshPrnamt>
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      <Sole>0</Sole>
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      <None>18816</None>
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    <nameOfIssuer>SCHWAB US BROAD MARKET ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524102</cusip>
    <value>14987</value>
    <shrsOrPrnAmt>
      <sshPrnamt>597107</sshPrnamt>
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      <None>597107</None>
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    <nameOfIssuer>SCHWAB US DIVIDEND EQUITY ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>808524797</cusip>
    <value>886</value>
    <shrsOrPrnAmt>
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      <None>28874</None>
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    <nameOfIssuer>SCHWAB US LARGE-CAP</nameOfIssuer>
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    <cusip>808524201</cusip>
    <value>36105</value>
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      <sshPrnamt>1408154</sshPrnamt>
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      <None>1408154</None>
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    <nameOfIssuer>SECTOR SPDR ENERGY SELECT SHAR</nameOfIssuer>
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    <cusip>81369Y506</cusip>
    <value>3625</value>
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      <sshPrnamt>59170</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
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      <None>59170</None>
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    <nameOfIssuer>SPDR GOLD MINISHARES</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>98149E303</cusip>
    <value>1855</value>
    <shrsOrPrnAmt>
      <sshPrnamt>20008</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
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      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20008</None>
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    <nameOfIssuer>SPDR S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78462F103</cusip>
    <value>1150</value>
    <shrsOrPrnAmt>
      <sshPrnamt>1768</sshPrnamt>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
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      <None>1768</None>
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  <infoTable>
    <nameOfIssuer>SPDR S&amp;P REGIONAL BANKING ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>78464A698</cusip>
    <value>2971</value>
    <shrsOrPrnAmt>
      <sshPrnamt>45595</sshPrnamt>
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      <None>45595</None>
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    <nameOfIssuer>TECHNOLOGY SPDR</nameOfIssuer>
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    <cusip>81369Y803</cusip>
    <value>265</value>
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      <Sole>0</Sole>
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      <None>1994</None>
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  <infoTable>
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    <cusip>92189f106</cusip>
    <value>229</value>
    <shrsOrPrnAmt>
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    <votingAuthority>
      <Sole>0</Sole>
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      <None>2500</None>
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    <nameOfIssuer>VANGUARD MEGA CAP GROWTH INDEX</nameOfIssuer>
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    <cusip>921910816</cusip>
    <value>7618</value>
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      <sshPrnamt>20733</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
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    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>20733</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VANGUARD S&amp;P 500 ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>922908363</cusip>
    <value>223</value>
    <shrsOrPrnAmt>
      <sshPrnamt>374</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>374</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>VIRTUS REAVES UTILITIES ETF</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>26923G806</cusip>
    <value>3330</value>
    <shrsOrPrnAmt>
      <sshPrnamt>41680</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>41680</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO BLOOMBERG ENHANCED FAL</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138E719</cusip>
    <value>1596</value>
    <shrsOrPrnAmt>
      <sshPrnamt>88977</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>88977</None>
    </votingAuthority>
  </infoTable>
  <infoTable>
    <nameOfIssuer>INVESCO INSURED NY MUNI BOND P</nameOfIssuer>
    <titleOfClass>ETF</titleOfClass>
    <cusip>46138E529</cusip>
    <value>205</value>
    <shrsOrPrnAmt>
      <sshPrnamt>9281</sshPrnamt>
      <sshPrnamtType>SH</sshPrnamtType>
    </shrsOrPrnAmt>
    <investmentDiscretion>SOLE</investmentDiscretion>
    <votingAuthority>
      <Sole>0</Sole>
      <Shared>0</Shared>
      <None>9281</None>
    </votingAuthority>
  </infoTable>
</informationTable>
