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
ABBVIE INC COM 00287Y109 243 1,798 SH   SOLE   0 0 1,798
AMAZON COM INC COM 023135106 407 122 SH   SOLE   0 0 122
AMGEN INC COM 031162100 572 2,545 SH   SOLE   0 0 2,545
APPLE INC COM 037833100 8,522 47,991 SH   SOLE   0 0 47,991
AUTOMATIC DATA PROCESSING IN COM 053015103 218 884 SH   SOLE   0 0 884
BERKSHIRE HATHAWAY INC DEL CL A 084670108 451 1 SH   SOLE   0 0 1
BOEING CO COM 097023105 659 3,273 SH   SOLE   0 0 3,273
BOULDER GROWTH & INCOME FD I COM 101507101 162 11,383 SH   SOLE   0 0 11,383
CATERPILLAR INC COM 149123101 1,137 5,501 SH   SOLE   0 0 5,501
COCA COLA CO COM 191216100 349 5,888 SH   SOLE   0 0 5,888
CORNING INC COM 219350105 251 6,743 SH   SOLE   0 0 6,743
CSX CORP COM 126408103 338 9,000 SH   SOLE   0 0 9,000
DEERE & CO COM 244199105 470 1,370 SH   SOLE   0 0 1,370
DISNEY WALT CO COM 254687106 239 1,545 SH   SOLE   0 0 1,545
EASTMAN CHEM CO COM 277432100 482 3,985 SH   SOLE   0 0 3,985
EXXON MOBIL CORP COM 30231G102 885 14,456 SH   SOLE   0 0 14,456
FIRST TR MORNINGSTAR DIVID L SHS 336917109 731 20,562 SH   SOLE   0 0 20,562
HOME DEPOT INC COM 437076102 332 800 SH   SOLE   0 0 800
HONEYWELL INTL INC COM 438516106 699 3,350 SH   SOLE   0 0 3,350
INTEL CORP COM 458140100 391 7,587 SH   SOLE   0 0 7,587
INTERNATIONAL BUSINESS MACHS COM 459200101 204 1,525 SH   SOLE   0 0 1,525
INTUIT COM 461202103 343 533 SH   SOLE   0 0 533
INVESCO DB COMMDY INDX TRCK UNIT 46138B103 220 10,609 SH   SOLE   0 0 10,609
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 842 12,262 SH   SOLE   0 0 12,262
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 1,003 54,358 SH   SOLE   0 0 54,358
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 297 1,827 SH   SOLE   0 0 1,827
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500 878 35,781 SH   SOLE   0 0 35,781
INVESCO QQQ TR UNIT SER 1 46090E103 3,932 9,883 SH   SOLE   0 0 9,883
ISHARES INC ESG AWR MSCI EM 46434G863 8,309 209,039 SH   SOLE   0 0 209,039
ISHARES INC MSCI GBL MIN VOL 464286525 673 6,211 SH   SOLE   0 0 6,211
ISHARES TR 0-5YR HI YL CP 46434V407 863 19,054 SH   SOLE   0 0 19,054
ISHARES TR 1 3 YR TREAS BD 464287457 684 8,002 SH   SOLE   0 0 8,002
ISHARES TR 10-20 YR TRS ETF 464288653 812 5,470 SH   SOLE   0 0 5,470
ISHARES TR 20 YR TR BD ETF 464287432 366 2,468 SH   SOLE   0 0 2,468
ISHARES TR AGGRES ALLOC ETF 464289859 344 4,719 SH   SOLE   0 0 4,719
ISHARES TR CORE DIV GRWTH 46434V621 1,663 29,928 SH   SOLE   0 0 29,928
ISHARES TR CORE MSCI EAFE 46432F842 1,044 13,982 SH   SOLE   0 0 13,982
ISHARES TR CORE S&P MCP ETF 464287507 1,144 4,041 SH   SOLE   0 0 4,041
ISHARES TR CORE S&P SCP ETF 464287804 12,601 110,046 SH   SOLE   0 0 110,046
ISHARES TR CORE S&P US GWT 464287671 569 4,920 SH   SOLE   0 0 4,920
ISHARES TR CORE S&P500 ETF 464287200 54,308 113,855 SH   SOLE   0 0 113,855
ISHARES TR CORE TOTAL USD 46434V613 30,272 571,926 SH   SOLE   0 0 571,926
ISHARES TR CORE US AGGBD ET 464287226 464 4,066 SH   SOLE   0 0 4,066
ISHARES TR EAFE GRWTH ETF 464288885 24,451 221,695 SH   SOLE   0 0 221,695
ISHARES TR EAFE VALUE ETF 464288877 24,777 491,710 SH   SOLE   0 0 491,710
ISHARES TR ESG ADV TTL USD 46436E619 266 5,375 SH   SOLE   0 0 5,375
ISHARES TR ESG AW MSCI EAFE 46435G516 333 4,191 SH   SOLE   0 0 4,191
ISHARES TR ESG AWARE MSCI 46435U663 242 6,011 SH   SOLE   0 0 6,011
ISHARES TR ESG AWR MSCI USA 46435G425 53,235 493,373 SH   SOLE   0 0 493,373
ISHARES TR ESG AWR US AGRGT 46435U549 625 11,330 SH   SOLE   0 0 11,330
ISHARES TR ESG MSCI USA ETF 46436E767 204 5,181 SH   SOLE   0 0 5,181
ISHARES TR EXPND TEC SC ETF 464287549 768 1,750 SH   SOLE   0 0 1,750
ISHARES TR FALN ANGLS USD 46435G474 12,610 420,768 SH   SOLE   0 0 420,768
ISHARES TR FLTG RATE NT ETF 46429B655 1,441 28,399 SH   SOLE   0 0 28,399
ISHARES TR GLOBAL FINLS ETF 464287333 5,830 72,825 SH   SOLE   0 0 72,825
ISHARES TR GLOBAL TECH ETF 464287291 8,752 135,929 SH   SOLE   0 0 135,929
ISHARES TR GRWT ALLOCAT ETF 464289867 651 11,400 SH   SOLE   0 0 11,400
ISHARES TR IBOXX HI YD ETF 464288513 1,179 13,545 SH   SOLE   0 0 13,545
ISHARES TR IBOXX INV CP ETF 464287242 2,163 16,323 SH   SOLE   0 0 16,323
ISHARES TR ISHS 1-5YR INVS 464288646 1,559 28,938 SH   SOLE   0 0 28,938
ISHARES TR JPMORGAN USD EMG 464288281 296 2,716 SH   SOLE   0 0 2,716
ISHARES TR MBS ETF 464288588 3,060 28,485 SH   SOLE   0 0 28,485
ISHARES TR MORNINGSTAR GRWT 464287119 215 3,000 SH   SOLE   0 0 3,000
ISHARES TR MRGSTR MD CP GRW 464288307 352 4,803 SH   SOLE   0 0 4,803
ISHARES TR MSCI EAFE MIN VL 46429B689 587 7,641 SH   SOLE   0 0 7,641
ISHARES TR MSCI USA MIN VOL 46429B697 5,840 72,188 SH   SOLE   0 0 72,188
ISHARES TR MSCI USA VALUE 46432F388 10,742 98,131 SH   SOLE   0 0 98,131
ISHARES TR NATIONAL MUN ETF 464288414 2,562 22,036 SH   SOLE   0 0 22,036
ISHARES TR NEW YORK MUN ETF 464288323 323 5,579 SH   SOLE   0 0 5,579
ISHARES TR PFD AND INCM SEC 464288687 1,896 48,075 SH   SOLE   0 0 48,075
ISHARES TR RUS 1000 ETF 464287622 337 1,275 SH   SOLE   0 0 1,275
ISHARES TR RUS 1000 GRW ETF 464287614 581 1,901 SH   SOLE   0 0 1,901
ISHARES TR RUS 2000 GRW ETF 464287648 494 1,684 SH   SOLE   0 0 1,684
ISHARES TR RUS MD CP GR ETF 464287481 311 2,700 SH   SOLE   0 0 2,700
ISHARES TR S&P MC 400GR ETF 464287606 443 5,200 SH   SOLE   0 0 5,200
ISHARES TR SELECT DIVID ETF 464287168 2,799 22,835 SH   SOLE   0 0 22,835
ISHARES TR SHRT NAT MUN ETF 464288158 842 7,843 SH   SOLE   0 0 7,843
ISHARES TR TIPS BD ETF 464287176 14,957 115,763 SH   SOLE   0 0 115,763
ISHARES TR U.S. ENERGY ETF 464287796 4,917 163,346 SH   SOLE   0 0 163,346
ISHARES TR U.S. MED DVC ETF 464288810 747 11,348 SH   SOLE   0 0 11,348
ISHARES TR U.S. REAL ES ETF 464287739 1,352 11,640 SH   SOLE   0 0 11,640
ISHARES TR US TREAS BD ETF 46429B267 23,138 867,245 SH   SOLE   0 0 867,245
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 6,425 208,069 SH   SOLE   0 0 208,069
JOHNSON & JOHNSON COM 478160104 924 5,402 SH   SOLE   0 0 5,402
JPMORGAN CHASE & CO COM 46625H100 1,179 7,448 SH   SOLE   0 0 7,448
L3HARRIS TECHNOLOGIES INC COM 502431109 444 2,083 SH   SOLE   0 0 2,083
M & T BK CORP COM 55261F104 210 1,367 SH   SOLE   0 0 1,367
MCDONALDS CORP COM 580135101 607 2,266 SH   SOLE   0 0 2,266
MERCK & CO INC COM 58933Y105 285 3,713 SH   SOLE   0 0 3,713
MICROSOFT CORP COM 594918104 2,432 7,231 SH   SOLE   0 0 7,231
NUVEEN MUN VALUE FD INC COM 670928100 114 11,000 SH   SOLE   0 0 11,000
NVIDIA CORPORATION COM 67066G104 235 800 SH   SOLE   0 0 800
ORACLE CORP COM 68389X105 382 4,375 SH   SOLE   0 0 4,375
PAYCHEX INC COM 704326107 1,043 7,639 SH   SOLE   0 0 7,639
PEPSICO INC COM 713448108 228 1,310 SH   SOLE   0 0 1,310
PFIZER INC COM 717081103 479 8,103 SH   SOLE   0 0 8,103
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 501 4,934 SH   SOLE   0 0 4,934
PROCTER AND GAMBLE CO COM 742718109 691 4,223 SH   SOLE   0 0 4,223
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 214 3,206 SH   SOLE   0 0 3,206
SELECT SECTOR SPDR TR ENERGY 81369Y506 272 4,905 SH   SOLE   0 0 4,905
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 498 12,749 SH   SOLE   0 0 12,749
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 271 1,326 SH   SOLE   0 0 1,326
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 201 1,425 SH   SOLE   0 0 1,425
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,462 20,421 SH   SOLE   0 0 20,421
SOUTHERN CO COM 842587107 309 4,507 SH   SOLE   0 0 4,507
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 371 1,022 SH   SOLE   0 0 1,022
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889 211 5,780 SH   SOLE   0 0 5,780
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,992 8,404 SH   SOLE   0 0 8,404
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,156 4,165 SH   SOLE   0 0 4,165
SPDR SER TR NUVEEN BLMBRG MU 78468R721 386 7,463 SH   SOLE   0 0 7,463
SPDR SER TR PORTFOLIO S&P500 78464A854 240 4,293 SH   SOLE   0 0 4,293
SPDR SER TR S&P 600 SML CAP 78464A813 457 4,600 SH   SOLE   0 0 4,600
SPDR SER TR S&P DIVID ETF 78464A763 2,201 17,044 SH   SOLE   0 0 17,044
STARBUCKS CORP COM 855244109 649 5,551 SH   SOLE   0 0 5,551
TARGET CORP COM 87612E106 509 2,200 SH   SOLE   0 0 2,200
TESLA INC COM 88160R101 645 610 SH   SOLE   0 0 610
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 384 1,243 SH   SOLE   0 0 1,243
VANGUARD INDEX FDS GROWTH ETF 922908736 373 1,164 SH   SOLE   0 0 1,164
VANGUARD INDEX FDS MID CAP ETF 922908629 259 1,015 SH   SOLE   0 0 1,015
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 511 4,406 SH   SOLE   0 0 4,406
VANGUARD INDEX FDS TOTAL STK MKT 922908769 223 923 SH   SOLE   0 0 923
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 410 5,050 SH   SOLE   0 0 5,050
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 205 1,195 SH   SOLE   0 0 1,195
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 213 800 SH   SOLE   0 0 800
VANGUARD WORLD FDS INF TECH ETF 92204A702 353 770 SH   SOLE   0 0 770
VERIZON COMMUNICATIONS INC COM 92343V104 279 5,379 SH   SOLE   0 0 5,379
VISA INC COM CL A 92826C839 498 2,300 SH   SOLE   0 0 2,300
VULCAN MATLS CO COM 929160109 644 3,100 SH   SOLE   0 0 3,100
WALMART INC COM 931142103 697 4,818 SH   SOLE   0 0 4,818
WP CAREY INC COM 92936U109 312 3,797 SH   SOLE   0 0 3,797