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
AMAZON COM INC COM 023135106 473 153 SH   SOLE   0 0 153
AMGEN INC COM 031162100 644 2,588 SH   SOLE   0 0 2,588
APPLE INC COM 037833100 5,634 46,121 SH   SOLE   0 0 46,121
AUTOMATIC DATA PROCESSING IN COM 053015103 204 1,083 SH   SOLE   0 0 1,083
BERKSHIRE HATHAWAY INC DEL CL A 084670108 386 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 752 2,945 SH   SOLE   0 0 2,945
BOEING CO COM 097023105 833 3,270 SH   SOLE   0 0 3,270
BOULDER GROWTH & INCOME FD I COM 101507101 140 11,128 SH   SOLE   0 0 11,128
CATERPILLAR INC COM 149123101 1,000 4,314 SH   SOLE   0 0 4,314
COCA COLA CO COM 191216100 310 5,888 SH   SOLE   0 0 5,888
CSX CORP COM 126408103 289 3,000 SH   SOLE   0 0 3,000
DEERE & CO COM 244199105 524 1,400 SH   SOLE   0 0 1,400
DISNEY WALT CO COM 254687106 287 1,555 SH   SOLE   0 0 1,555
EASTMAN CHEM CO COM 277432100 411 3,731 SH   SOLE   0 0 3,731
EXXON MOBIL CORP COM 30231G102 816 14,616 SH   SOLE   0 0 14,616
FIDELITY COVINGTON TRUST CORP BOND ETF 316188101 4,541 83,776 SH   SOLE   0 0 83,776
FIRST TR MORNINGSTAR DIVID L SHS 336917109 800 24,447 SH   SOLE   0 0 24,447
HOME DEPOT INC COM 437076102 270 885 SH   SOLE   0 0 885
HONEYWELL INTL INC COM 438516106 775 3,571 SH   SOLE   0 0 3,571
INTEL CORP COM 458140100 361 5,646 SH   SOLE   0 0 5,646
INTERNATIONAL BUSINESS MACHS COM 459200101 233 1,750 SH   SOLE   0 0 1,750
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 737 12,678 SH   SOLE   0 0 12,678
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 1,052 63,090 SH   SOLE   0 0 63,090
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 282 1,991 SH   SOLE   0 0 1,991
INVESCO EXCHANGE TRADED FD T WILDERHIL CLAN 46137V134 622 6,324 SH   SOLE   0 0 6,324
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500 1,072 46,140 SH   SOLE   0 0 46,140
INVESCO QQQ TR UNIT SER 1 46090E103 2,997 9,390 SH   SOLE   0 0 9,390
ISHARES INC ESG AWR MSCI EM 46434G863 12,328 284,656 SH   SOLE   0 0 284,656
ISHARES INC MSCI GBL MIN VOL 464286525 4,472 45,328 SH   SOLE   0 0 45,328
ISHARES TR 0-5YR HI YL CP 46434V407 266 5,805 SH   SOLE   0 0 5,805
ISHARES TR 1 3 YR TREAS BD 464287457 3,663 42,468 SH   SOLE   0 0 42,468
ISHARES TR 3 7 YR TREAS BD 464288661 2,957 22,763 SH   SOLE   0 0 22,763
ISHARES TR BARCLAYS 7 10 YR 464287440 223 1,974 SH   SOLE   0 0 1,974
ISHARES TR CORE DIV GRWTH 46434V621 268 5,560 SH   SOLE   0 0 5,560
ISHARES TR CORE MSCI EAFE 46432F842 4,782 66,367 SH   SOLE   0 0 66,367
ISHARES TR CORE S&P MCP ETF 464287507 5,671 21,788 SH   SOLE   0 0 21,788
ISHARES TR CORE S&P SCP ETF 464287804 12,899 118,849 SH   SOLE   0 0 118,849
ISHARES TR CORE S&P US GWT 464287671 465 5,120 SH   SOLE   0 0 5,120
ISHARES TR CORE S&P500 ETF 464287200 28,257 71,030 SH   SOLE   0 0 71,030
ISHARES TR CORE TOTAL USD 46434V613 16,756 317,647 SH   SOLE   0 0 317,647
ISHARES TR CORE US AGGBD ET 464287226 3,325 29,208 SH   SOLE   0 0 29,208
ISHARES TR EAFE GRWTH ETF 464288885 15,084 150,148 SH   SOLE   0 0 150,148
ISHARES TR EAFE VALUE ETF 464288877 12,758 250,309 SH   SOLE   0 0 250,309
ISHARES TR ESG AWR MSCI USA 46435G425 30,073 330,940 SH   SOLE   0 0 330,940
ISHARES TR EXPND TEC SC ETF 464287549 631 1,750 SH   SOLE   0 0 1,750
ISHARES TR FALN ANGLS USD 46435G474 2,084 71,279 SH   SOLE   0 0 71,279
ISHARES TR FLTG RATE NT ETF 46429B655 636 12,519 SH   SOLE   0 0 12,519
ISHARES TR GLOBAL TECH ETF 464287291 9,433 30,653 SH   SOLE   0 0 30,653
ISHARES TR GNMA BOND ETF 46429B333 1,081 21,490 SH   SOLE   0 0 21,490
ISHARES TR GRWT ALLOCAT ETF 464289867 279 5,209 SH   SOLE   0 0 5,209
ISHARES TR IBOXX HI YD ETF 464288513 6,286 72,109 SH   SOLE   0 0 72,109
ISHARES TR IBOXX INV CP ETF 464287242 19,743 151,814 SH   SOLE   0 0 151,814
ISHARES TR ISHS 1-5YR INVS 464288646 9,032 165,175 SH   SOLE   0 0 165,175
ISHARES TR MBS ETF 464288588 7,424 68,473 SH   SOLE   0 0 68,473
ISHARES TR MRGSTR MD CP GRW 464288307 303 800 SH   SOLE   0 0 800
ISHARES TR MSCI EAFE MIN VL 46429B689 4,594 62,941 SH   SOLE   0 0 62,941
ISHARES TR MSCI USA MIN VOL 46429B697 8,090 116,925 SH   SOLE   0 0 116,925
ISHARES TR MSCI USA MMENTM 46432F396 5,776 35,904 SH   SOLE   0 0 35,904
ISHARES TR MSCI USA VALUE 46432F388 9,483 92,552 SH   SOLE   0 0 92,552
ISHARES TR NATIONAL MUN ETF 464288414 837 7,209 SH   SOLE   0 0 7,209
ISHARES TR PFD AND INCM SEC 464288687 4,600 119,802 SH   SOLE   0 0 119,802
ISHARES TR RUS 1000 GRW ETF 464287614 462 1,901 SH   SOLE   0 0 1,901
ISHARES TR RUS 2000 GRW ETF 464287648 506 1,682 SH   SOLE   0 0 1,682
ISHARES TR RUS MD CP GR ETF 464287481 295 2,895 SH   SOLE   0 0 2,895
ISHARES TR RUSSELL 2000 ETF 464287655 778 3,521 SH   SOLE   0 0 3,521
ISHARES TR S&P MC 400GR ETF 464287606 408 5,200 SH   SOLE   0 0 5,200
ISHARES TR SELECT DIVID ETF 464287168 7,908 69,311 SH   SOLE   0 0 69,311
ISHARES TR TIPS BD ETF 464287176 2,930 23,345 SH   SOLE   0 0 23,345
ISHARES TR TRANS AVG ETF 464287192 928 3,602 SH   SOLE   0 0 3,602
ISHARES TR U.S. MED DVC ETF 464288810 6,082 18,412 SH   SOLE   0 0 18,412
ISHARES TR U.S. REAL ES ETF 464287739 2,485 27,028 SH   SOLE   0 0 27,028
ISHARES TR U.S. TECH ETF 464287721 437 4,979 SH   SOLE   0 0 4,979
ISHARES TR US TREAS BD ETF 46429B267 21,270 812,142 SH   SOLE   0 0 812,142
JOHNSON & JOHNSON COM 478160104 940 5,718 SH   SOLE   0 0 5,718
JPMORGAN CHASE & CO COM 46625H100 1,147 7,535 SH   SOLE   0 0 7,535
L3HARRIS TECHNOLOGIES INC COM 502431109 203 1,000 SH   SOLE   0 0 1,000
LILLY ELI & CO COM 532457108 376 2,010 SH   SOLE   0 0 2,010
LOGITECH INTL S A SHS H50430232 209 2,000 SH   SOLE   0 0 2,000
M & T BK CORP COM 55261F104 205 1,350 SH   SOLE   0 0 1,350
MCDONALDS CORP COM 580135101 501 2,237 SH   SOLE   0 0 2,237
MEDTRONIC PLC SHS G5960L103 238 2,015 SH   SOLE   0 0 2,015
MERCK & CO. INC COM 58933Y105 263 3,414 SH   SOLE   0 0 3,414
MICROSOFT CORP COM 594918104 1,639 6,950 SH   SOLE   0 0 6,950
NUVEEN MUN VALUE FD INC COM 670928100 123 11,000 SH   SOLE   0 0 11,000
ORACLE CORP COM 68389X105 286 4,077 SH   SOLE   0 0 4,077
PAYCHEX INC COM 704326107 716 7,301 SH   SOLE   0 0 7,301
PFIZER INC COM 717081103 340 9,396 SH   SOLE   0 0 9,396
PIMCO ETF TR 15+ YR US TIPS 72201R304 294 3,640 SH   SOLE   0 0 3,640
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 503 4,934 SH   SOLE   0 0 4,934
PROCTER AND GAMBLE CO COM 742718109 571 4,217 SH   SOLE   0 0 4,217
SELECT SECTOR SPDR TR ENERGY 81369Y506 815 16,618 SH   SOLE   0 0 16,618
SELECT SECTOR SPDR TR SBI INT-FINL 81369Y605 865 25,393 SH   SOLE   0 0 25,393
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 671 10,477 SH   SOLE   0 0 10,477
SKYWORKS SOLUTIONS INC COM 83088M102 229 1,250 SH   SOLE   0 0 1,250
SOUTHERN CO COM 842587107 280 4,497 SH   SOLE   0 0 4,497
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 264 800 SH   SOLE   0 0 800
SPDR S&P 500 ETF TR TR UNIT 78462F103 8,876 22,396 SH   SOLE   0 0 22,396
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,695 5,660 SH   SOLE   0 0 5,660
SPDR SER TR S&P 600 SML CAP 78464A813 432 4,600 SH   SOLE   0 0 4,600
SPDR SER TR S&P DIVID ETF 78464A763 1,941 16,446 SH   SOLE   0 0 16,446
SPDR SER TR S&P HOMEBUILD 78464A888 934 13,276 SH   SOLE   0 0 13,276
STARBUCKS CORP COM 855244109 397 3,631 SH   SOLE   0 0 3,631
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 355 3,000 SH   SOLE   0 0 3,000
TARGET CORP COM 87612E106 396 2,000 SH   SOLE   0 0 2,000
TESLA INC COM 88160R101 407 610 SH   SOLE   0 0 610
VANECK VECTORS ETF TR SEMICONDUCTOR ET 92189F676 846 3,475 SH   SOLE   0 0 3,475
VANGUARD INDEX FDS GROWTH ETF 922908736 339 1,321 SH   SOLE   0 0 1,321
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 469 5,680 SH   SOLE   0 0 5,680
VANGUARD WORLD FDS INF TECH ETF 92204A702 992 2,767 SH   SOLE   0 0 2,767
VERIZON COMMUNICATIONS INC COM 92343V104 313 5,391 SH   SOLE   0 0 5,391
VISA INC COM CL A 92826C839 837 3,951 SH   SOLE   0 0 3,951
WALMART INC COM 931142103 634 4,667 SH   SOLE   0 0 4,667
WP CAREY INC COM 92936U109 269 3,797 SH   SOLE   0 0 3,797