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
Estimated average burden
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
ABBOTT LABS COM 002824100 1,907 13,548 SH   SOLE   13,548 0 0
ALPHABET INC CAP STK CL C 02079K107 812 280 SH   SOLE   280 0 0
ALPHABET INC CAP STK CL A 02079K305 1,150 397 SH   SOLE   397 0 0
AMAZON COM INC COM 023135106 7,132 2,139 SH   SOLE   2,139 0 0
ANALOG DEVICES INC COM 032654105 640 3,643 SH   SOLE   3,643 0 0
APPLE INC COM 037833100 17,533 98,738 SH   SOLE   98,738 0 0
ASSURANT INC COM 04621X108 1,341 8,603 SH   SOLE   8,603 0 0
BERKLEY W R CORP COM 084423102 2,711 32,909 SH   SOLE   32,909 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 1,850 6,186 SH   SOLE   6,186 0 0
BOSTON BEER INC CL A 100557107 3,198 6,331 SH   SOLE   6,331 0 0
CANADIAN PAC RY LTD COM 13645T100 665 9,250 SH   SOLE   9,250 0 0
CATERPILLAR INC COM 149123101 2,177 10,529 SH   SOLE   10,529 0 0
CISCO SYS INC COM 17275R102 683 10,780 SH   SOLE   10,780 0 0
COLGATE PALMOLIVE CO COM 194162103 249 2,914 SH   SOLE   2,914 0 0
COMCAST CORP NEW CL A 20030N101 322 6,398 SH   SOLE   6,398 0 0
DECKERS OUTDOOR CORP COM 243537107 357 975 SH   SOLE   975 0 0
DISNEY WALT CO COM 254687106 3,680 23,759 SH   SOLE   23,759 0 0
DOMINOS PIZZA INC COM 25754A201 1,584 2,806 SH   SOLE   2,806 0 0
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 2,722 78,393 SH   SOLE   78,393 0 0
GILEAD SCIENCES INC COM 375558103 248 3,416 SH   SOLE   3,416 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 213 1,594 SH   SOLE   1,594 0 0
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 370 13,658 SH   SOLE   13,658 0 0
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529 2,272 87,029 SH   SOLE   87,029 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 15,762 39,617 SH   SOLE   39,617 0 0
ISHARES INC MSCI CDA ETF 464286509 327 8,499 SH   SOLE   8,499 0 0
ISHARES TR BARCLAYS 7 10 YR 464287440 5,077 44,144 SH   SOLE   44,144 0 0
ISHARES TR COHEN STEER REIT 464287564 7,800 102,525 SH   SOLE   102,525 0 0
ISHARES TR CORE S&P SCP ETF 464287804 3,436 30,010 SH   SOLE   30,010 0 0
ISHARES TR MSCI EAFE ETF 464287465 3,849 48,922 SH   SOLE   48,922 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 9,846 128,259 SH   SOLE   128,259 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 1,287 4,210 SH   SOLE   4,210 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 19,071 155,832 SH   SOLE   155,832 0 0
ISHARES TR S&P 500 GRWT ETF 464287309 4,463 53,340 SH   SOLE   53,340 0 0
ISHARES TR S&P 500 VAL ETF 464287408 8,270 52,796 SH   SOLE   52,796 0 0
ISHARES TR S&P MC 400GR ETF 464287606 5,082 59,603 SH   SOLE   59,603 0 0
ISHARES TR SP SMCP600VL ETF 464287879 9,666 92,507 SH   SOLE   92,507 0 0
ISHARES TR CORE S&P500 ETF 464287200 13,474 28,249 SH   SOLE   28,249 0 0
ISHARES TR CORE S&P MCP ETF 464287507 13,928 49,200 SH   SOLE   49,200 0 0
ISHARES TR CORE S&P US VLU 464287663 4,292 56,220 SH   SOLE   56,220 0 0
ISHARES TR S&P MC 400VL ETF 464287705 10,253 92,638 SH   SOLE   92,638 0 0
ISHARES TR S&P SML 600 GWT 464287887 5,710 41,141 SH   SOLE   41,141 0 0
ISHARES TR YLD OPTIM BD 46434V787 2,020 80,880 SH   SOLE   80,880 0 0
ISHARES TR TIPS BD ETF 464287176 10,159 78,632 SH   SOLE   78,632 0 0
ISHARES TR MORNINGSTR US EQ 464287127 497 7,481 SH   SOLE   7,481 0 0
ISHARES TR NORTH AMERN NAT 464287374 873 27,734 SH   SOLE   27,734 0 0
ISHARES TR EXPND TEC SC ETF 464287549 4,495 10,240 SH   SOLE   10,240 0 0
ISHARES TR CORE S&P US GWT 464287671 912 7,883 SH   SOLE   7,883 0 0
ISHARES TR RUS 1000 VAL ETF 464287598 4,122 24,547 SH   SOLE   24,547 0 0
ISHARES TR MSCI EMG MKT ETF 464287234 4,239 86,783 SH   SOLE   86,783 0 0
ISHARES TR CORE US AGGBD ET 464287226 4,133 36,232 SH   SOLE   36,232 0 0
ISHARES TR RUS MID CAP ETF 464287499 3,309 39,868 SH   SOLE   39,868 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 548 6,408 SH   SOLE   6,408 0 0
ISHARES TR U.S. TECH ETF 464287721 322 2,802 SH   SOLE   2,802 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 2,663 16,036 SH   SOLE   16,036 0 0
ISHARES TR S&P 100 ETF 464287101 556 2,537 SH   SOLE   2,537 0 0
ISHARES TR RUS 1000 ETF 464287622 367 1,389 SH   SOLE   1,389 0 0
ISHARES TR SELECT DIVID ETF 464287168 1,866 15,224 SH   SOLE   15,224 0 0
ISHARES TR U.S. PHARMA ETF 464288836 800 4,008 SH   SOLE   4,008 0 0
ISHARES TR ISHARES BIOTECH 464287556 266 1,740 SH   SOLE   1,740 0 0
ISHARES TR MRGSTR MD CP GRW 464288307 322 4,403 SH   SOLE   4,403 0 0
JOHNSON & JOHNSON COM 478160104 2,682 15,679 SH   SOLE   15,679 0 0
JPMORGAN CHASE & CO COM 46625H100 247 1,557 SH   SOLE   1,557 0 0
LOWES COS INC COM 548661107 206 797 SH   SOLE   797 0 0
MCDONALDS CORP COM 580135101 253 943 SH   SOLE   943 0 0
MERCK & CO INC COM 58933Y105 328 4,285 SH   SOLE   4,285 0 0
META PLATFORMS INC CL A 30303M102 281 836 SH   SOLE   836 0 0
MICROSOFT CORP COM 594918104 2,849 8,471 SH   SOLE   8,471 0 0
MOODYS CORP COM 615369105 1,314 3,364 SH   SOLE   3,364 0 0
NEWELL BRANDS INC COM 651229106 426 19,522 SH   SOLE   19,522 0 0
NVIDIA CORPORATION COM 67066G104 265 903 SH   SOLE   903 0 0
OMNICOM GROUP INC COM 681919106 572 7,804 SH   SOLE   7,804 0 0
PAYCHEX INC COM 704326107 1,228 8,995 SH   SOLE   8,995 0 0
PEPSICO INC COM 713448108 5,774 33,241 SH   SOLE   33,241 0 0
PFIZER INC COM 717081103 2,947 49,899 SH   SOLE   49,899 0 0
PIMCO ETF TR ACTIVE BD ETF 72201R775 2,028 18,533 SH   SOLE   18,533 0 0
PJT PARTNERS INC COM CL A 69343T107 3,006 40,576 SH   SOLE   40,576 0 0
PROCTER AND GAMBLE CO COM 742718109 2,113 12,919 SH   SOLE   12,919 0 0
PROSHARES TR PSHS ULT S&P 500 74347R107 10,155 69,377 SH   SOLE   69,377 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 3,157 106,579 SH   SOLE   106,579 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 16,083 199,960 SH   SOLE   199,960 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 7,427 72,525 SH   SOLE   72,525 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 14,324 227,767 SH   SOLE   227,767 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,773 15,691 SH   SOLE   15,691 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,190 28,031 SH   SOLE   28,031 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 541 16,648 SH   SOLE   16,648 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 778 4,749 SH   SOLE   4,749 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 558 9,942 SH   SOLE   9,942 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 1,568 28,260 SH   SOLE   28,260 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 236 6,040 SH   SOLE   6,040 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,479 5,219 SH   SOLE   5,219 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,611 5,044 SH   SOLE   5,044 0 0
SPDR SER TR PRTFLO S&P500 GW 78464A409 4,036 55,690 SH   SOLE   55,690 0 0
SPDR SER TR S&P 600 SML CAP 78464A813 6,704 67,441 SH   SOLE   67,441 0 0
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,793 21,995 SH   SOLE   21,995 0 0
SPDR SER TR S&P BIOTECH 78464A870 2,707 24,177 SH   SOLE   24,177 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 827 19,679 SH   SOLE   19,679 0 0
SPDR SER TR S&P DIVID ETF 78464A763 3,284 25,437 SH   SOLE   25,437 0 0
SPDR SER TR S&P 600 SMCP GRW 78464A201 289 3,115 SH   SOLE   3,115 0 0
THERAPEUTICSMD INC COM 88338N107 269 757,773 SH   SOLE   757,773 0 0
UNITEDHEALTH GROUP INC COM 91324P102 848 1,689 SH   SOLE   1,689 0 0
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 3,253 10,780 SH   SOLE   10,780 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 12,433 141,892 SH   SOLE   141,892 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 812 10,042 SH   SOLE   10,042 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 7,073 27,762 SH   SOLE   27,762 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,173 35,972 SH   SOLE   35,972 0 0
VANGUARD INDEX FDS SML CP GRW ETF 922908595 18,621 66,081 SH   SOLE   66,081 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611 21,965 122,811 SH   SOLE   122,811 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 11,219 46,466 SH   SOLE   46,466 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,933 43,948 SH   SOLE   43,948 0 0
VANGUARD INDEX FDS GROWTH ETF 922908736 1,476 4,601 SH   SOLE   4,601 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 5,329 20,930 SH   SOLE   20,930 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 10,631 70,719 SH   SOLE   70,719 0 0
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,726 34,887 SH   SOLE   34,887 0 0
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 213 1,983 SH   SOLE   1,983 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 29,779 366,471 SH   SOLE   366,471 0 0
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 13,757 80,100 SH   SOLE   80,100 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768 716 11,263 SH   SOLE   11,263 0 0
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 392 7,675 SH   SOLE   7,675 0 0
VANGUARD WORLD FDS ENERGY ETF 92204A306 778 10,027 SH   SOLE   10,027 0 0
VANGUARD WORLD FDS INF TECH ETF 92204A702 3,188 6,958 SH   SOLE   6,958 0 0
VIACOMCBS INC CL B 92556H206 205 6,793 SH   SOLE   6,793 0 0
VULCAN MATLS CO COM 929160109 356 1,715 SH   SOLE   1,715 0 0
WALMART INC COM 931142103 675 4,668 SH   SOLE   4,668 0 0