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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 308,402 1,798 SH   SOLE   0 0 1,798
ALPHABET INC CAP STK CL C 02079K107 BBG009S3NB21 240,237 1,310 SH   SOLE   0 0 1,310
AMAZON COM INC COM 023135106 BBG001S5PQL7 815,237 4,219 SH   SOLE   0 0 4,219
AMGEN INC COM 031162100 BBG001S5NNL6 465,670 1,490 SH   SOLE   0 0 1,490
APPLE INC COM 037833100 BBG001S5N8V8 11,527,797 54,733 SH   SOLE   0 0 54,733
ARM HOLDINGS PLC SPONSORED ADS 042068205 BBG01J1GY084 654,480 4,000 SH   SOLE   0 0 4,000
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 612,241 1 SH   SOLE   0 0 1
BLACKROCK ETF TRUST US CARBON TRANS 09290C509 BBG00ZS43SF2 284,289 4,785 SH   SOLE   0 0 4,785
BLACKROCK ETF TRUST US EQT FACTOR 09290C103 BBG00NNWBWQ2 23,910,704 509,389 SH   SOLE   0 0 509,389
BLACKROCK ETF TRUST II AAA CLO ETF 092528504 BBG01C8315P7 511,791 9,854 SH   SOLE   0 0 9,854
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603 BBG01GQYLJY8 6,749,507 129,301 SH   SOLE   0 0 129,301
BOEING CO COM 097023105 BBG001S5P0V3 795,930 4,373 SH   SOLE   0 0 4,373
BROADCOM INC COM 11135F101 BBG00KHY5SY8 385,261 240 SH   SOLE   0 0 240
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108 BBG015D25YS8 409,043 12,683 SH   SOLE   0 0 12,683
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106 BBG015H8BXT5 281,883 8,542 SH   SOLE   0 0 8,542
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104 BBG015DN3GR4 224,477 7,625 SH   SOLE   0 0 7,625
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101 BBG015DMY5P8 230,066 6,995 SH   SOLE   0 0 6,995
CATERPILLAR INC COM 149123101 BBG001S5PJ06 1,619,372 4,862 SH   SOLE   0 0 4,862
COCA COLA CO COM 191216100 BBG001S5SMQ8 337,918 5,309 SH   SOLE   0 0 5,309
CORNING INC COM 219350105 BBG001S5RLH1 257,258 6,622 SH   SOLE   0 0 6,622
DEERE & CO COM 244199105 BBG001S5QFF7 580,077 1,553 SH   SOLE   0 0 1,553
EASTMAN CHEM CO COM 277432100 BBG001S7JNP3 249,930 2,551 SH   SOLE   0 0 2,551
ELI LILLY & CO COM 532457108 BBG001S5STL8 476,398 526 SH   SOLE   0 0 526
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 991,924 8,616 SH   SOLE   0 0 8,616
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 427,080 2,000 SH   SOLE   0 0 2,000
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 219,651 1,270 SH   SOLE   0 0 1,270
INTUIT COM 461202103 BBG001S6TWR2 371,949 566 SH   SOLE   0 0 566
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 BBG001V18CG8 388,277 5,978 SH   SOLE   0 0 5,978
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 BBG001SLKDX3 294,872 16,455 SH   SOLE   0 0 16,455
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 221,929 1,351 SH   SOLE   0 0 1,351
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500 BBG00KJR1Q60 277,963 11,083 SH   SOLE   0 0 11,083
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 4,818,528 10,057 SH   SOLE   0 0 10,057
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 8,201,228 153,208 SH   SOLE   0 0 153,208
ISHARES INC ESG AWR MSCI EM 46434G863 BBG00D7BDH70 232,432 6,932 SH   SOLE   0 0 6,932
ISHARES INC MSCI EMRG CHN 46434G764 BBG00H5VLN77 8,443,023 142,619 SH   SOLE   0 0 142,619
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 228,653 2,185 SH   SOLE   0 0 2,185
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 1,206,044 11,743 SH   SOLE   0 0 11,743
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 8,174,300 89,064 SH   SOLE   0 0 89,064
ISHARES TR 7-10 YR TRSY BD 464287440 BBG001S80936 589,030 6,290 SH   SOLE   0 0 6,290
ISHARES TR AGGRES ALLOC ETF 464289859 BBG001T3YVL0 692,642 9,262 SH   SOLE   0 0 9,262
ISHARES TR CONV BD ETF 46435G102 BBG009BKDMM6 307,474 3,910 SH   SOLE   0 0 3,910
ISHARES TR CORE DIV GRWTH 46434V621 BBG006MJFZK4 534,104 9,271 SH   SOLE   0 0 9,271
ISHARES TR CORE HIGH DV ETF 46429B663 BBG001V0XLT8 215,417 1,982 SH   SOLE   0 0 1,982
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 415,188 5,716 SH   SOLE   0 0 5,716
ISHARES TR CORE MSCI TOTAL 46432F834 BBG003H6TMV7 265,681 3,933 SH   SOLE   0 0 3,933
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 590,788 10,095 SH   SOLE   0 0 10,095
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 449,973 4,219 SH   SOLE   0 0 4,219
ISHARES TR CORE S&P US GWT 464287671 BBG001SFQL99 568,884 4,463 SH   SOLE   0 0 4,463
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 75,079,027 137,198 SH   SOLE   0 0 137,198
ISHARES TR CORE TOTAL USD 46434V613 BBG006MJCSW0 55,984,654 1,238,051 SH   SOLE   0 0 1,238,051
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 230,068 2,370 SH   SOLE   0 0 2,370
ISHARES TR EAFE GRWTH ETF 464288885 BBG001SP62C7 21,383,226 209,025 SH   SOLE   0 0 209,025
ISHARES TR EAFE VALUE ETF 464288877 BBG001SNYBH6 9,050,633 170,638 SH   SOLE   0 0 170,638
ISHARES TR ESG AWR MSCI USA 46435G425 BBG00FFPFTS4 3,076,971 25,788 SH   SOLE   0 0 25,788
ISHARES TR ESG MSCI LEADR 46435U218 BBG00P35VT10 261,092 2,680 SH   SOLE   0 0 2,680
ISHARES TR EUROPE ETF 464287861 BBG001SFGXD9 678,148 12,384 SH   SOLE   0 0 12,384
ISHARES TR EXPND TEC SC ETF 464287549 BBG001SHHYT5 382,050 4,051 SH   SOLE   0 0 4,051
ISHARES TR FALN ANGLS USD 46435G474 BBG00D332C84 429,963 16,417 SH   SOLE   0 0 16,417
ISHARES TR GLOBAL ENERG ETF 464287341 BBG001S7RSN5 249,083 6,001 SH   SOLE   0 0 6,001
ISHARES TR GLOBAL TECH ETF 464287291 BBG001S60KQ0 435,859 5,263 SH   SOLE   0 0 5,263
ISHARES TR GRWT ALLOCAT ETF 464289867 BBG001T3YV58 992,082 17,615 SH   SOLE   0 0 17,615
ISHARES TR HDG MSCI EAFE 46434V803 BBG005XKVF72 3,912,614 110,044 SH   SOLE   0 0 110,044
ISHARES TR IBOXX HI YD ETF 464288513 BBG001ST0ZQ7 299,908 3,888 SH   SOLE   0 0 3,888
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 1,647,739 15,382 SH   SOLE   0 0 15,382
ISHARES TR INVESTMENT GRADE 46435G219 BBG00H4BPM52 1,453,278 32,761 SH   SOLE   0 0 32,761
ISHARES TR ISHS 1-5YR INVS 464288646 BBG001SSD858 353,933 6,907 SH   SOLE   0 0 6,907
ISHARES TR ISHS 5-10YR INVT 464288638 BBG001SSD849 508,445 9,919 SH   SOLE   0 0 9,919
ISHARES TR JPMORGAN USD EMG 464288281 BBG001SQS9Y2 2,419,132 27,341 SH   SOLE   0 0 27,341
ISHARES TR MBS ETF 464288588 BBG001SSD8B1 15,829,849 172,420 SH   SOLE   0 0 172,420
ISHARES TR MRGSTR MD CP GRW 464288307 BBG001SBRK44 237,305 3,503 SH   SOLE   0 0 3,503
ISHARES TR MSCI INTL VLU FT 46435G409 BBG009DR6401 677,946 24,707 SH   SOLE   0 0 24,707
ISHARES TR MSCI KLD400 SOC 464288570 BBG001SRYH02 200,199 1,928 SH   SOLE   0 0 1,928
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 659,821 7,859 SH   SOLE   0 0 7,859
ISHARES TR MSCI USA QLT FCT 46432F339 BBG004TRTWW3 24,074,827 140,986 SH   SOLE   0 0 140,986
ISHARES TR MSCI USA VALUE 46432F388 BBG004FPWGT7 223,417 2,159 SH   SOLE   0 0 2,159
ISHARES TR NATIONAL MUN ETF 464288414 BBG001SZV978 5,603,334 52,589 SH   SOLE   0 0 52,589
ISHARES TR PFD AND INCM SEC 464288687 BBG001SNVWC8 248,810 7,886 SH   SOLE   0 0 7,886
ISHARES TR RUS 1000 GRW ETF 464287614 BBG001S56320 745,151 2,044 SH   SOLE   0 0 2,044
ISHARES TR RUS 2000 GRW ETF 464287648 BBG001S562F8 420,565 1,602 SH   SOLE   0 0 1,602
ISHARES TR RUS MD CP GR ETF 464287481 BBG001S561Z8 243,174 2,204 SH   SOLE   0 0 2,204
ISHARES TR S&P 100 ETF 464287101 BBG001SGB026 1,565,922 5,925 SH   SOLE   0 0 5,925
ISHARES TR S&P 500 GRWT ETF 464287309 BBG001S561Q8 30,158,366 325,895 SH   SOLE   0 0 325,895
ISHARES TR S&P 500 VAL ETF 464287408 BBG001S561K4 13,532,951 74,353 SH   SOLE   0 0 74,353
ISHARES TR S&P MC 400GR ETF 464287606 BBG001SFQL08 343,629 3,900 SH   SOLE   0 0 3,900
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 1,451,747 12,000 SH   SOLE   0 0 12,000
ISHARES TR SHRT NAT MUN ETF 464288158 BBG001SLS4Q3 516,816 4,943 SH   SOLE   0 0 4,943
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 1,073,429 10,053 SH   SOLE   0 0 10,053
ISHARES TR U.S. REAL ES ETF 464287739 BBG001SFGXJ3 321,005 3,659 SH   SOLE   0 0 3,659
ISHARES TR U.S. TECH ETF 464287721 BBG001SFB7Z7 11,451,237 76,088 SH   SOLE   0 0 76,088
ISHARES TR US INFRASTRUC 46435U713 BBG00KHHFPF1 2,526,118 59,974 SH   SOLE   0 0 59,974
ISHARES TR US TREAS BD ETF 46429B267 BBG002NCKPP8 1,390,544 61,610 SH   SOLE   0 0 61,610
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 276,257 1,890 SH   SOLE   0 0 1,890
JPMORGAN CHASE & CO. COM 46625H100 BBG001S8CRC3 1,235,950 6,111 SH   SOLE   0 0 6,111
LAKELAND INDS INC COM 511795106 BBG001S5SPK7 446,696 19,472 SH   SOLE   0 0 19,472
LOCKHEED MARTIN CORP COM 539830109 BBG001S7PS57 413,598 885 SH   SOLE   0 0 885
M & T BK CORP COM 55261F104 BBG001S7S2B4 223,135 1,474 SH   SOLE   0 0 1,474
MCDONALDS CORP COM 580135101 BBG001S5T110 905,074 3,552 SH   SOLE   0 0 3,552
MERCK & CO INC COM 58933Y105 BBG001S5TC52 502,221 4,057 SH   SOLE   0 0 4,057
MICROSOFT CORP COM 594918104 BBG001S5TD05 3,708,568 8,298 SH   SOLE   0 0 8,298
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 2,719,687 22,015 SH   SOLE   0 0 22,015
ORACLE CORP COM 68389X105 BBG001S5SJG6 530,002 3,754 SH   SOLE   0 0 3,754
PAYCHEX INC COM 704326107 BBG001S5V135 613,242 5,172 SH   SOLE   0 0 5,172
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 245,314 1,487 SH   SOLE   0 0 1,487
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 BBG001S5V3C1 256,689 3,483 SH   SOLE   0 0 3,483
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 269,785 6,563 SH   SOLE   0 0 6,563
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 BBG001S7TD56 312,124 4,581 SH   SOLE   0 0 4,581
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 3,322,078 6,104 SH   SOLE   0 0 6,104
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 1,411,363 2,638 SH   SOLE   0 0 2,638
SPDR SER TR PORTFLI INTRMDIT 78464A672 BBG001STKCX8 257,248 9,181 SH   SOLE   0 0 9,181
SPDR SER TR PORTFOLIO S&P600 78468R853 BBG004T58LZ5 240,002 5,779 SH   SOLE   0 0 5,779
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 1,973,422 15,517 SH   SOLE   0 0 15,517
SRH TOTAL RETURN FUND INC COM 101507101 BBG001SKK3J3 182,163 12,520 SH   SOLE   0 0 12,520
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 BBG001S5WWW4 869,050 5,000 SH   SOLE   0 0 5,000
TESLA INC COM 88160R101 BBG001SQKGD7 406,643 2,055 SH   SOLE   0 0 2,055
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 BBG002D68GN8 236,442 907 SH   SOLE   0 0 907
VANGUARD INDEX FDS GROWTH ETF 922908736 BBG001SHTTS4 397,842 1,064 SH   SOLE   0 0 1,064
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 BBG009THVRX1 3,446,816 68,785 SH   SOLE   0 0 68,785
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 BBG001SQX4T3 283,865 1,555 SH   SOLE   0 0 1,555
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 BBG001SS0V24 262,527 2,214 SH   SOLE   0 0 2,214
VANGUARD WORLD FD INF TECH ETF 92204A702 BBG001SHTTR5 398,382 691 SH   SOLE   0 0 691
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 212,620 5,156 SH   SOLE   0 0 5,156
VISA INC COM CL A 92826C839 BBG001SRCFY3 1,346,323 5,129 SH   SOLE   0 0 5,129
WALMART INC COM 931142103 BBG001S5XH92 374,868 5,536 SH   SOLE   0 0 5,536