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
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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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109   286,557 1,798 SH   SOLE   0 0 1,798
AMAZON COM INC COM 023135106   438,421 4,245 SH   SOLE   0 0 4,245
AMGEN INC COM 031162100   360,300 1,490 SH   SOLE   0 0 1,490
APPLE INC COM 037833100   8,556,314 51,888 SH   SOLE   0 0 51,888
BERKSHIRE HATHAWAY INC DEL CL A 084670108   465,600 1 SH   SOLE   0 0 1
BOEING CO COM 097023105   907,714 4,273 SH   SOLE   0 0 4,273
CATERPILLAR INC COM 149123101   1,011,844 4,422 SH   SOLE   0 0 4,422
CORNING INC COM 219350105   244,387 6,927 SH   SOLE   0 0 6,927
DEERE & CO COM 244199105   524,358 1,270 SH   SOLE   0 0 1,270
EASTMAN CHEM CO COM 277432100   207,196 2,457 SH   SOLE   0 0 2,457
EXXON MOBIL CORP COM 30231G102   1,035,733 9,445 SH   SOLE   0 0 9,445
FIRST TR MORNINGSTAR DIVID L SHS 336917109   469,432 13,223 SH   SOLE   0 0 13,223
HEXCEL CORP NEW COM 428291108   204,750 3,000 SH   SOLE   0 0 3,000
HONEYWELL INTL INC COM 438516106   573,360 3,000 SH   SOLE   0 0 3,000
INTERNATIONAL BUSINESS MACHS COM 459200101   237,589 1,812 SH   SOLE   0 0 1,812
INTUIT COM 461202103   250,425 562 SH   SOLE   0 0 562
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   450,649 7,222 SH   SOLE   0 0 7,222
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   731,810 41,044 SH   SOLE   0 0 41,044
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   249,895 1,728 SH   SOLE   0 0 1,728
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500   546,055 25,904 SH   SOLE   0 0 25,904
INVESCO QQQ TR UNIT SER 1 46090E103   2,957,811 9,216 SH   SOLE   0 0 9,216
ISHARES INC CORE MSCI EMKT 46434G103   12,733,341 260,983 SH   SOLE   0 0 260,983
ISHARES INC ESG AWR MSCI EM 46434G863   1,368,921 43,485 SH   SOLE   0 0 43,485
ISHARES INC MSCI GBL MIN VOL 464286525   238,123 2,461 SH   SOLE   0 0 2,461
ISHARES TR 1 3 YR TREAS BD 464287457   330,522 4,023 SH   SOLE   0 0 4,023
ISHARES TR 10-20 YR TRS ETF 464288653   5,086,027 44,404 SH   SOLE   0 0 44,404
ISHARES TR 20 YR TR BD ETF 464287432   776,540 7,300 SH   SOLE   0 0 7,300
ISHARES TR 7-10 YR TRSY BD 464287440   1,480,425 14,936 SH   SOLE   0 0 14,936
ISHARES TR AGGRES ALLOC ETF 464289859   500,203 7,866 SH   SOLE   0 0 7,866
ISHARES TR CORE DIV GRWTH 46434V621   854,222 17,088 SH   SOLE   0 0 17,088
ISHARES TR CORE HIGH DV ETF 46429B663   217,387 2,138 SH   SOLE   0 0 2,138
ISHARES TR CORE MSCI EAFE 46432F842   573,688 8,582 SH   SOLE   0 0 8,582
ISHARES TR CORE S&P MCP ETF 464287507   573,999 2,295 SH   SOLE   0 0 2,295
ISHARES TR CORE S&P SCP ETF 464287804   729,666 7,546 SH   SOLE   0 0 7,546
ISHARES TR CORE S&P US GWT 464287671   396,096 4,462 SH   SOLE   0 0 4,462
ISHARES TR CORE S&P500 ETF 464287200   68,308,199 166,168 SH   SOLE   0 0 166,168
ISHARES TR CORE TOTAL USD 46434V613   46,397,734 1,005,368 SH   SOLE   0 0 1,005,368
ISHARES TR CORE US AGGBD ET 464287226   329,046 3,302 SH   SOLE   0 0 3,302
ISHARES TR EAFE GRWTH ETF 464288885   22,538,018 240,585 SH   SOLE   0 0 240,585
ISHARES TR EAFE VALUE ETF 464288877   15,016,978 309,437 SH   SOLE   0 0 309,437
ISHARES TR ESG AWR MSCI USA 46435G425   15,578,972 172,238 SH   SOLE   0 0 172,238
ISHARES TR ESG MSCI LEADR 46435U218   224,662 3,153 SH   SOLE   0 0 3,153
ISHARES TR EUROPE ETF 464287861   371,449 7,426 SH   SOLE   0 0 7,426
ISHARES TR EXPND TEC SC ETF 464287549   220,558 650 SH   SOLE   0 0 650
ISHARES TR FALN ANGLS USD 46435G474   1,756,062 69,492 SH   SOLE   0 0 69,492
ISHARES TR FLTG RATE NT ETF 46429B655   236,592 4,695 SH   SOLE   0 0 4,695
ISHARES TR GLOBAL TECH ETF 464287291   295,745 5,440 SH   SOLE   0 0 5,440
ISHARES TR GRWT ALLOCAT ETF 464289867   703,805 14,068 SH   SOLE   0 0 14,068
ISHARES TR IBOXX HI YD ETF 464288513   566,455 7,498 SH   SOLE   0 0 7,498
ISHARES TR IBOXX INV CP ETF 464287242   2,841,505 25,924 SH   SOLE   0 0 25,924
ISHARES TR ISHS 1-5YR INVS 464288646   452,477 8,953 SH   SOLE   0 0 8,953
ISHARES TR JPMORGAN USD EMG 464288281   2,073,573 24,033 SH   SOLE   0 0 24,033
ISHARES TR MBS ETF 464288588   17,713,549 186,990 SH   SOLE   0 0 186,990
ISHARES TR MRGSTR MD CP GRW 464288307   201,614 3,503 SH   SOLE   0 0 3,503
ISHARES TR MSCI EAFE MIN VL 46429B689   227,200 3,358 SH   SOLE   0 0 3,358
ISHARES TR MSCI INTL VLU FT 46435G409   609,314 24,579 SH   SOLE   0 0 24,579
ISHARES TR MSCI USA MIN VOL 46429B697   7,707,256 105,956 SH   SOLE   0 0 105,956
ISHARES TR MSCI USA MMENTM 46432F396   453,493 3,262 SH   SOLE   0 0 3,262
ISHARES TR MSCI USA QLT FCT 46432F339   23,998,204 193,433 SH   SOLE   0 0 193,433
ISHARES TR MSCI USA VALUE 46432F388   209,040 2,258 SH   SOLE   0 0 2,258
ISHARES TR NATIONAL MUN ETF 464288414   6,504,176 60,369 SH   SOLE   0 0 60,369
ISHARES TR PFD AND INCM SEC 464288687   1,064,042 34,082 SH   SOLE   0 0 34,082
ISHARES TR RUS 1000 GRW ETF 464287614   439,998 1,801 SH   SOLE   0 0 1,801
ISHARES TR RUS 2000 GRW ETF 464287648   361,436 1,593 SH   SOLE   0 0 1,593
ISHARES TR S&P 100 ETF 464287101   215,036 1,150 SH   SOLE   0 0 1,150
ISHARES TR S&P MC 400GR ETF 464287606   278,889 3,900 SH   SOLE   0 0 3,900
ISHARES TR SELECT DIVID ETF 464287168   1,737,172 14,825 SH   SOLE   0 0 14,825
ISHARES TR SHRT NAT MUN ETF 464288158   1,245,131 11,895 SH   SOLE   0 0 11,895
ISHARES TR TIPS BD ETF 464287176   282,300 2,561 SH   SOLE   0 0 2,561
ISHARES TR U.S. REAL ES ETF 464287739   633,932 7,467 SH   SOLE   0 0 7,467
ISHARES TR U.S. TECH ETF 464287721   10,577,279 113,967 SH   SOLE   0 0 113,967
ISHARES TR US HLTHCARE ETF 464287762   544,687 1,995 SH   SOLE   0 0 1,995
ISHARES TR US INFRASTRUC 46435U713   2,152,271 57,671 SH   SOLE   0 0 57,671
ISHARES TR US TREAS BD ETF 46429B267   15,559,072 665,486 SH   SOLE   0 0 665,486
JOHNSON & JOHNSON COM 478160104   504,651 3,256 SH   SOLE   0 0 3,256
JPMORGAN CHASE & CO COM 46625H100   708,908 5,440 SH   SOLE   0 0 5,440
L3HARRIS TECHNOLOGIES INC COM 502431109   605,008 3,083 SH   SOLE   0 0 3,083
LAKELAND INDS INC COM 511795106   161,297 11,048 SH   SOLE   0 0 11,048
M & T BK CORP COM 55261F104   229,960 1,923 SH   SOLE   0 0 1,923
MCDONALDS CORP COM 580135101   703,519 2,516 SH   SOLE   0 0 2,516
MERCK & CO INC COM 58933Y105   409,181 3,846 SH   SOLE   0 0 3,846
MICROSOFT CORP COM 594918104   2,016,329 6,994 SH   SOLE   0 0 6,994
NVIDIA CORPORATION COM 67066G104   259,220 933 SH   SOLE   0 0 933
ORACLE CORP COM 68389X105   367,576 3,956 SH   SOLE   0 0 3,956
PAYCHEX INC COM 704326107   675,980 5,899 SH   SOLE   0 0 5,899
PEPSICO INC COM 713448108   249,022 1,366 SH   SOLE   0 0 1,366
PFIZER INC COM 717081103   229,800 5,632 SH   SOLE   0 0 5,632
PROCTER AND GAMBLE CO COM 742718109   476,475 3,204 SH   SOLE   0 0 3,204
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   211,726 3,390 SH   SOLE   0 0 3,390
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   253,011 7,870 SH   SOLE   0 0 7,870
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   335,119 4,951 SH   SOLE   0 0 4,951
SOUTHERN CO COM 842587107   203,363 2,923 SH   SOLE   0 0 2,923
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,596,282 6,342 SH   SOLE   0 0 6,342
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,300,569 2,837 SH   SOLE   0 0 2,837
SPDR SER TR NUVEEN BLMBRG MU 78468R721   815,933 17,427 SH   SOLE   0 0 17,427
SPDR SER TR S&P 600 SML CAP 78464A813   302,508 3,600 SH   SOLE   0 0 3,600
SPDR SER TR S&P DIVID ETF 78464A763   1,766,962 14,283 SH   SOLE   0 0 14,283
SRH TOTAL RETURN FUND INC COM 101507101   146,457 11,926 SH   SOLE   0 0 11,926
TESLA INC COM 88160R101   890,004 4,290 SH   SOLE   0 0 4,290
TRANSCAT INC COM 893529107   399,753 4,472 SH   SOLE   0 0 4,472
VANGUARD INDEX FDS GROWTH ETF 922908736   265,335 1,064 SH   SOLE   0 0 1,064
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   244,601 3,209 SH   SOLE   0 0 3,209
VERIZON COMMUNICATIONS INC COM 92343V104   233,960 6,016 SH   SOLE   0 0 6,016
VISA INC COM CL A 92826C839   764,449 3,391 SH   SOLE   0 0 3,391
WALMART INC COM 931142103   519,248 3,522 SH   SOLE   0 0 3,522