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 404 123 SH   SOLE   0 0 123
AMGEN INC COM 031162100 551 2,589 SH   SOLE   0 0 2,589
APPLE INC COM 037833100 6,437 45,495 SH   SOLE   0 0 45,495
BERKSHIRE HATHAWAY INC DEL CL A 084670108 411 1 SH   SOLE   0 0 1
BLACKSTONE INC COM 09260D107 224 1,922 SH   SOLE   0 0 1,922
BOEING CO COM 097023105 720 3,273 SH   SOLE   0 0 3,273
BOULDER GROWTH & INCOME FD I COM 101507101 148 11,299 SH   SOLE   0 0 11,299
CATERPILLAR INC COM 149123101 1,055 5,496 SH   SOLE   0 0 5,496
COCA COLA CO COM 191216100 309 5,888 SH   SOLE   0 0 5,888
CORNING INC COM 219350105 267 7,304 SH   SOLE   0 0 7,304
CSX CORP COM 126408103 268 9,000 SH   SOLE   0 0 9,000
DEERE & CO COM 244199105 503 1,500 SH   SOLE   0 0 1,500
DISNEY WALT CO COM 254687106 263 1,555 SH   SOLE   0 0 1,555
EASTMAN CHEM CO COM 277432100 401 3,982 SH   SOLE   0 0 3,982
EXXON MOBIL CORP COM 30231G102 862 14,651 SH   SOLE   0 0 14,651
FIRST TR MORNINGSTAR DIVID L SHS 336917109 738 22,524 SH   SOLE   0 0 22,524
HOME DEPOT INC COM 437076102 263 800 SH   SOLE   0 0 800
HONEYWELL INTL INC COM 438516106 711 3,350 SH   SOLE   0 0 3,350
INTEL CORP COM 458140100 405 7,597 SH   SOLE   0 0 7,597
INTERNATIONAL BUSINESS MACHS COM 459200101 243 1,750 SH   SOLE   0 0 1,750
INTUIT COM 461202103 233 432 SH   SOLE   0 0 432
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 630 31,220 SH   SOLE   0 0 31,220
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 744 12,232 SH   SOLE   0 0 12,232
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 981 55,835 SH   SOLE   0 0 55,835
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 302 2,014 SH   SOLE   0 0 2,014
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500 964 40,535 SH   SOLE   0 0 40,535
INVESCO QQQ TR UNIT SER 1 46090E103 3,411 9,528 SH   SOLE   0 0 9,528
ISHARES INC ESG AWR MSCI EM 46434G863 10,695 258,075 SH   SOLE   0 0 258,075
ISHARES INC MSCI GBL MIN VOL 464286525 723 7,039 SH   SOLE   0 0 7,039
ISHARES TR 0-5YR HI YL CP 46434V407 929 20,337 SH   SOLE   0 0 20,337
ISHARES TR 1 3 YR TREAS BD 464287457 783 9,090 SH   SOLE   0 0 9,090
ISHARES TR 10-20 YR TRS ETF 464288653 752 5,110 SH   SOLE   0 0 5,110
ISHARES TR 20 YR TR BD ETF 464287432 341 2,361 SH   SOLE   0 0 2,361
ISHARES TR AGGRES ALLOC ETF 464289859 232 3,320 SH   SOLE   0 0 3,320
ISHARES TR CORE DIV GRWTH 46434V621 1,517 30,196 SH   SOLE   0 0 30,196
ISHARES TR CORE MSCI EAFE 46432F842 1,025 13,809 SH   SOLE   0 0 13,809
ISHARES TR CORE S&P MCP ETF 464287507 1,059 4,024 SH   SOLE   0 0 4,024
ISHARES TR CORE S&P SCP ETF 464287804 11,803 108,100 SH   SOLE   0 0 108,100
ISHARES TR CORE S&P US GWT 464287671 504 4,920 SH   SOLE   0 0 4,920
ISHARES TR CORE S&P500 ETF 464287200 43,663 101,349 SH   SOLE   0 0 101,349
ISHARES TR CORE TOTAL USD 46434V613 28,755 540,099 SH   SOLE   0 0 540,099
ISHARES TR CORE US AGGBD ET 464287226 503 4,379 SH   SOLE   0 0 4,379
ISHARES TR EAFE GRWTH ETF 464288885 22,506 211,381 SH   SOLE   0 0 211,381
ISHARES TR EAFE VALUE ETF 464288877 23,618 464,468 SH   SOLE   0 0 464,468
ISHARES TR ESG AWR MSCI USA 46435G425 47,455 481,971 SH   SOLE   0 0 481,971
ISHARES TR EXPND TEC SC ETF 464287549 706 1,750 SH   SOLE   0 0 1,750
ISHARES TR FALN ANGLS USD 46435G474 6,119 203,231 SH   SOLE   0 0 203,231
ISHARES TR FLTG RATE NT ETF 46429B655 1,500 29,510 SH   SOLE   0 0 29,510
ISHARES TR GLOBAL FINLS ETF 464287333 7,425 94,649 SH   SOLE   0 0 94,649
ISHARES TR GLOBAL TECH ETF 464287291 10,570 186,560 SH   SOLE   0 0 186,560
ISHARES TR GRWT ALLOCAT ETF 464289867 608 10,963 SH   SOLE   0 0 10,963
ISHARES TR IBOXX HI YD ETF 464288513 1,367 15,622 SH   SOLE   0 0 15,622
ISHARES TR IBOXX INV CP ETF 464287242 2,320 17,440 SH   SOLE   0 0 17,440
ISHARES TR ISHARES BIOTECH 464287556 857 5,304 SH   SOLE   0 0 5,304
ISHARES TR ISHS 1-5YR INVS 464288646 9,970 182,464 SH   SOLE   0 0 182,464
ISHARES TR MBS ETF 464288588 3,082 28,497 SH   SOLE   0 0 28,497
ISHARES TR MRGSTR MD CP GRW 464288307 331 4,803 SH   SOLE   0 0 4,803
ISHARES TR MSCI EAFE MIN VL 46429B689 641 8,511 SH   SOLE   0 0 8,511
ISHARES TR MSCI USA MIN VOL 46429B697 1,059 14,407 SH   SOLE   0 0 14,407
ISHARES TR MSCI USA VALUE 46432F388 12,051 119,675 SH   SOLE   0 0 119,675
ISHARES TR NATIONAL MUN ETF 464288414 2,795 24,062 SH   SOLE   0 0 24,062
ISHARES TR PFD AND INCM SEC 464288687 1,987 51,190 SH   SOLE   0 0 51,190
ISHARES TR RUS 1000 ETF 464287622 755 3,122 SH   SOLE   0 0 3,122
ISHARES TR RUS 1000 GRW ETF 464287614 521 1,901 SH   SOLE   0 0 1,901
ISHARES TR RUS 2000 GRW ETF 464287648 494 1,683 SH   SOLE   0 0 1,683
ISHARES TR RUS MD CP GR ETF 464287481 325 2,899 SH   SOLE   0 0 2,899
ISHARES TR S&P MC 400GR ETF 464287606 412 5,200 SH   SOLE   0 0 5,200
ISHARES TR SELECT DIVID ETF 464287168 2,859 24,926 SH   SOLE   0 0 24,926
ISHARES TR SHRT NAT MUN ETF 464288158 543 5,052 SH   SOLE   0 0 5,052
ISHARES TR TIPS BD ETF 464287176 11,867 92,933 SH   SOLE   0 0 92,933
ISHARES TR U.S. ENERGY ETF 464287796 5,260 186,143 SH   SOLE   0 0 186,143
ISHARES TR U.S. MED DVC ETF 464288810 683 10,885 SH   SOLE   0 0 10,885
ISHARES TR U.S. REAL ES ETF 464287739 1,288 12,579 SH   SOLE   0 0 12,579
ISHARES TR U.S. TECH ETF 464287721 564 5,570 SH   SOLE   0 0 5,570
ISHARES TR US TREAS BD ETF 46429B267 22,551 850,024 SH   SOLE   0 0 850,024
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 8,338 232,652 SH   SOLE   0 0 232,652
JOHNSON & JOHNSON COM 478160104 871 5,395 SH   SOLE   0 0 5,395
JPMORGAN CHASE & CO COM 46625H100 1,233 7,535 SH   SOLE   0 0 7,535
L3HARRIS TECHNOLOGIES INC COM 502431109 440 2,000 SH   SOLE   0 0 2,000
M & T BK CORP COM 55261F104 204 1,367 SH   SOLE   0 0 1,367
MCDONALDS CORP COM 580135101 539 2,238 SH   SOLE   0 0 2,238
MEDTRONIC PLC SHS G5960L103 232 1,854 SH   SOLE   0 0 1,854
MERCK & CO INC COM 58933Y105 279 3,710 SH   SOLE   0 0 3,710
MICROSOFT CORP COM 594918104 1,895 6,723 SH   SOLE   0 0 6,723
MODERNA INC COM 60770K107 471 1,225 SH   SOLE   0 0 1,225
NOVAVAX INC COM NEW 670002401 207 1,000 SH   SOLE   0 0 1,000
NUVEEN MUN VALUE FD INC COM 670928100 125 11,000 SH   SOLE   0 0 11,000
ORACLE CORP COM 68389X105 355 4,079 SH   SOLE   0 0 4,079
PAYCHEX INC COM 704326107 823 7,321 SH   SOLE   0 0 7,321
PFIZER INC COM 717081103 347 8,074 SH   SOLE   0 0 8,074
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 503 4,934 SH   SOLE   0 0 4,934
PROCTER AND GAMBLE CO COM 742718109 590 4,221 SH   SOLE   0 0 4,221
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 899 23,961 SH   SOLE   0 0 23,961
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 874 6,862 SH   SOLE   0 0 6,862
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,284 20,095 SH   SOLE   0 0 20,095
SOUTHERN CO COM 842587107 279 4,503 SH   SOLE   0 0 4,503
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 271 800 SH   SOLE   0 0 800
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,694 8,608 SH   SOLE   0 0 8,608
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,828 3,802 SH   SOLE   0 0 3,802
SPDR SER TR NUVEEN BLMBRG SR 78468R739 318 6,429 SH   SOLE   0 0 6,429
SPDR SER TR S&P 600 SML CAP 78464A813 436 4,600 SH   SOLE   0 0 4,600
SPDR SER TR S&P DIVID ETF 78464A763 1,933 16,446 SH   SOLE   0 0 16,446
SPDR SER TR S&P HOMEBUILD 78464A888 849 11,828 SH   SOLE   0 0 11,828
STARBUCKS CORP COM 855244109 508 4,607 SH   SOLE   0 0 4,607
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 335 3,000 SH   SOLE   0 0 3,000
TARGET CORP COM 87612E106 458 2,000 SH   SOLE   0 0 2,000
TESLA INC COM 88160R101 473 610 SH   SOLE   0 0 610
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 809 3,155 SH   SOLE   0 0 3,155
VANGUARD INDEX FDS GROWTH ETF 922908736 338 1,164 SH   SOLE   0 0 1,164
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 802 7,875 SH   SOLE   0 0 7,875
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 416 5,048 SH   SOLE   0 0 5,048
VANGUARD WORLD FDS INF TECH ETF 92204A702 755 1,882 SH   SOLE   0 0 1,882
VERIZON COMMUNICATIONS INC COM 92343V104 293 5,430 SH   SOLE   0 0 5,430
VISA INC COM CL A 92826C839 580 2,602 SH   SOLE   0 0 2,602
VULCAN MATLS CO COM 929160109 524 3,100 SH   SOLE   0 0 3,100
WALMART INC COM 931142103 655 4,697 SH   SOLE   0 0 4,697
WP CAREY INC COM 92936U109 277 3,797 SH   SOLE   0 0 3,797