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   358,635 1,816 SH   SOLE   0 0 1,816
ALPHABET INC CAP STK CL C 02079K107   227,365 1,360 SH   SOLE   0 0 1,360
AMAZON COM INC COM 023135106   828,155 4,445 SH   SOLE   0 0 4,445
AMGEN INC COM 031162100   482,149 1,496 SH   SOLE   0 0 1,496
APPLE INC COM 037833100   12,926,696 55,479 SH   SOLE   0 0 55,479
ARM HOLDINGS PLC SPONSORED ADS 042068205   643,545 4,500 SH   SOLE   0 0 4,500
BERKSHIRE HATHAWAY INC DEL CL A 084670108   691,180 1 SH   SOLE   0 0 1
BLACKROCK ETF TRUST US CARBON TRANS 09290C509   266,358 4,245 SH   SOLE   0 0 4,245
BLACKROCK ETF TRUST US EQT FACTOR 09290C103   25,270,984 510,835 SH   SOLE   0 0 510,835
BLACKROCK ETF TRUST II AAA CLO ETF 092528504   665,960 12,814 SH   SOLE   0 0 12,814
BLACKROCK ETF TRUST II FLEXIBLE INCOME 092528603   9,840,502 183,832 SH   SOLE   0 0 183,832
BOEING CO COM 097023105   649,667 4,273 SH   SOLE   0 0 4,273
BROADCOM INC COM 11135F101   506,959 2,939 SH   SOLE   0 0 2,939
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   434,953 12,688 SH   SOLE   0 0 12,688
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   311,674 8,553 SH   SOLE   0 0 8,553
CAPITAL GROUP GBL GROWTH EQT SHS CREATION UNI 14020X104   230,157 7,634 SH   SOLE   0 0 7,634
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   243,357 6,995 SH   SOLE   0 0 6,995
CATERPILLAR INC COM 149123101   1,897,665 4,852 SH   SOLE   0 0 4,852
COCA COLA CO COM 191216100   384,451 5,350 SH   SOLE   0 0 5,350
CORNING INC COM 219350105   299,554 6,635 SH   SOLE   0 0 6,635
DEERE & CO COM 244199105   603,379 1,446 SH   SOLE   0 0 1,446
EASTMAN CHEM CO COM 277432100   285,965 2,554 SH   SOLE   0 0 2,554
ELI LILLY & CO COM 532457108   495,891 560 SH   SOLE   0 0 560
EXXON MOBIL CORP COM 30231G102   960,674 8,195 SH   SOLE   0 0 8,195
HONEYWELL INTL INC COM 438516106   414,867 2,007 SH   SOLE   0 0 2,007
INTERNATIONAL BUSINESS MACHS COM 459200101   239,353 1,083 SH   SOLE   0 0 1,083
INTUIT COM 461202103   353,233 569 SH   SOLE   0 0 569
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   358,137 4,993 SH   SOLE   0 0 4,993
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   241,526 12,211 SH   SOLE   0 0 12,211
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   319,125 1,781 SH   SOLE   0 0 1,781
INVESCO QQQ TR UNIT SER 1 46090E103   4,787,860 9,810 SH   SOLE   0 0 9,810
ISHARES INC CORE MSCI EMKT 46434G103   4,994,314 86,994 SH   SOLE   0 0 86,994
ISHARES INC ESG AWR MSCI EM 46434G863   253,271 6,956 SH   SOLE   0 0 6,956
ISHARES INC MSCI EMRG CHN 46434G764   12,016,738 196,641 SH   SOLE   0 0 196,641
ISHARES INC MSCI GBL MIN VOL 464286525   245,454 2,143 SH   SOLE   0 0 2,143
ISHARES TR 10-20 YR TRS ETF 464288653   1,520,509 13,908 SH   SOLE   0 0 13,908
ISHARES TR 20 YR TR BD ETF 464287432   6,823,495 69,557 SH   SOLE   0 0 69,557
ISHARES TR 7-10 YR TRSY BD 464287440   546,624 5,571 SH   SOLE   0 0 5,571
ISHARES TR A RATE CP BD ETF 46429B291   846,967 17,232 SH   SOLE   0 0 17,232
ISHARES TR AGGRES ALLOC ETF 464289859   792,854 10,048 SH   SOLE   0 0 10,048
ISHARES TR CONV BD ETF 46435G102   352,345 4,211 SH   SOLE   0 0 4,211
ISHARES TR CORE DIV GRWTH 46434V621   511,297 8,156 SH   SOLE   0 0 8,156
ISHARES TR CORE HIGH DV ETF 46429B663   237,620 2,020 SH   SOLE   0 0 2,020
ISHARES TR CORE MSCI EAFE 46432F842   440,880 5,649 SH   SOLE   0 0 5,649
ISHARES TR CORE MSCI TOTAL 46432F834   297,530 4,097 SH   SOLE   0 0 4,097
ISHARES TR CORE S&P MCP ETF 464287507   645,866 10,364 SH   SOLE   0 0 10,364
ISHARES TR CORE S&P SCP ETF 464287804   488,520 4,177 SH   SOLE   0 0 4,177
ISHARES TR CORE S&P US GWT 464287671   588,664 4,463 SH   SOLE   0 0 4,463
ISHARES TR CORE S&P500 ETF 464287200   70,031,288 121,409 SH   SOLE   0 0 121,409
ISHARES TR CORE TOTAL USD 46434V613   67,584,717 1,434,311 SH   SOLE   0 0 1,434,311
ISHARES TR CUR HD EURZN ETF 46434V639   220,413 5,996 SH   SOLE   0 0 5,996
ISHARES TR EAFE GRWTH ETF 464288885   20,484,571 190,289 SH   SOLE   0 0 190,289
ISHARES TR EAFE VALUE ETF 464288877   21,461,475 373,048 SH   SOLE   0 0 373,048
ISHARES TR ESG AWR MSCI USA 46435G425   3,367,959 26,692 SH   SOLE   0 0 26,692
ISHARES TR ESG MSCI LEADR 46435U218   314,691 3,100 SH   SOLE   0 0 3,100
ISHARES TR EUROPE ETF 464287861   838,797 14,395 SH   SOLE   0 0 14,395
ISHARES TR EXPND TEC SC ETF 464287549   260,285 2,713 SH   SOLE   0 0 2,713
ISHARES TR FALN ANGLS USD 46435G474   219,470 8,027 SH   SOLE   0 0 8,027
ISHARES TR GLOBAL ENERG ETF 464287341   216,094 5,338 SH   SOLE   0 0 5,338
ISHARES TR GLOBAL TECH ETF 464287291   434,168 5,261 SH   SOLE   0 0 5,261
ISHARES TR GRWT ALLOCAT ETF 464289867   1,027,298 17,341 SH   SOLE   0 0 17,341
ISHARES TR IBOXX HI YD ETF 464288513   227,306 2,831 SH   SOLE   0 0 2,831
ISHARES TR IBOXX INV CP ETF 464287242   1,525,654 13,504 SH   SOLE   0 0 13,504
ISHARES TR INVESTMENT GRADE 46435G219   1,566,741 33,715 SH   SOLE   0 0 33,715
ISHARES TR ISHS 1-5YR INVS 464288646   333,640 6,336 SH   SOLE   0 0 6,336
ISHARES TR JPMORGAN USD EMG 464288281   2,565,067 27,410 SH   SOLE   0 0 27,410
ISHARES TR MBS ETF 464288588   16,229,706 169,395 SH   SOLE   0 0 169,395
ISHARES TR MRGSTR MD CP GRW 464288307   255,589 3,503 SH   SOLE   0 0 3,503
ISHARES TR MSCI INTL VLU FT 46435G409   751,701 25,456 SH   SOLE   0 0 25,456
ISHARES TR MSCI USA MIN VOL 46429B697   685,090 7,503 SH   SOLE   0 0 7,503
ISHARES TR MSCI USA QLT FCT 46432F339   25,547,717 142,486 SH   SOLE   0 0 142,486
ISHARES TR MSCI USA VALUE 46432F388   233,075 2,138 SH   SOLE   0 0 2,138
ISHARES TR NATIONAL MUN ETF 464288414   7,403,063 68,149 SH   SOLE   0 0 68,149
ISHARES TR RUS 1000 GRW ETF 464287614   676,949 1,803 SH   SOLE   0 0 1,803
ISHARES TR RUS 2000 GRW ETF 464287648   455,500 1,604 SH   SOLE   0 0 1,604
ISHARES TR RUS MD CP GR ETF 464287481   219,407 1,871 SH   SOLE   0 0 1,871
ISHARES TR S&P 100 ETF 464287101   2,043,049 7,382 SH   SOLE   0 0 7,382
ISHARES TR S&P 500 GRWT ETF 464287309   29,219,232 305,162 SH   SOLE   0 0 305,162
ISHARES TR S&P 500 VAL ETF 464287408   14,508,832 73,585 SH   SOLE   0 0 73,585
ISHARES TR S&P MC 400GR ETF 464287606   358,527 3,900 SH   SOLE   0 0 3,900
ISHARES TR SELECT DIVID ETF 464287168   1,602,470 11,864 SH   SOLE   0 0 11,864
ISHARES TR SHRT NAT MUN ETF 464288158   590,798 5,564 SH   SOLE   0 0 5,564
ISHARES TR U.S. REAL ES ETF 464287739   260,573 2,558 SH   SOLE   0 0 2,558
ISHARES TR U.S. TECH ETF 464287721   10,473,845 69,080 SH   SOLE   0 0 69,080
ISHARES TR US INFRASTRUC 46435U713   2,808,914 59,802 SH   SOLE   0 0 59,802
ISHARES TR US TREAS BD ETF 46429B267   1,783,700 76,064 SH   SOLE   0 0 76,064
JOHNSON & JOHNSON COM 478160104   354,333 2,186 SH   SOLE   0 0 2,186
JPMORGAN CHASE & CO. COM 46625H100   1,347,063 6,388 SH   SOLE   0 0 6,388
LAKELAND INDS INC COM 511795106   572,295 28,472 SH   SOLE   0 0 28,472
LOCKHEED MARTIN CORP COM 539830109   520,053 890 SH   SOLE   0 0 890
M & T BK CORP COM 55261F104   264,680 1,486 SH   SOLE   0 0 1,486
MCDONALDS CORP COM 580135101   985,891 3,238 SH   SOLE   0 0 3,238
MERCK & CO INC COM 58933Y105   439,709 3,872 SH   SOLE   0 0 3,872
META PLATFORMS INC CL A 30303M102   220,898 386 SH   SOLE   0 0 386
MICROSOFT CORP COM 594918104   3,626,316 8,427 SH   SOLE   0 0 8,427
NVIDIA CORPORATION COM 67066G104   2,497,063 20,562 SH   SOLE   0 0 20,562
ORACLE CORP COM 68389X105   642,553 3,771 SH   SOLE   0 0 3,771
PAYCHEX INC COM 704326107   714,809 5,327 SH   SOLE   0 0 5,327
PNC FINL SVCS GROUP INC COM 693475105   370,439 2,004 SH   SOLE   0 0 2,004
PROCTER AND GAMBLE CO COM 742718109   262,238 1,514 SH   SOLE   0 0 1,514
PUBLIC SVC ENTERPRISE GRP IN COM 744573106   312,419 3,502 SH   SOLE   0 0 3,502
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   344,818 7,609 SH   SOLE   0 0 7,609
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   419,041 5,187 SH   SOLE   0 0 5,187
SPDR GOLD TR GOLD SHS 78463V107   248,268 1,021 SH   SOLE   0 0 1,021
SPDR S&P 500 ETF TR TR UNIT 78462F103   3,457,590 6,026 SH   SOLE   0 0 6,026
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,502,646 2,638 SH   SOLE   0 0 2,638
SPDR SER TR PORTFOLIO S&P600 78468R853   217,492 4,779 SH   SOLE   0 0 4,779
SPDR SER TR S&P DIVID ETF 78464A763   2,204,955 15,523 SH   SOLE   0 0 15,523
SRH TOTAL RETURN FUND INC COM 101507101   199,592 12,632 SH   SOLE   0 0 12,632
STRYKER CORPORATION COM 863667101   208,874 578 SH   SOLE   0 0 578
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100   694,680 4,000 SH   SOLE   0 0 4,000
TESLA INC COM 88160R101   571,400 2,184 SH   SOLE   0 0 2,184
VANGUARD INDEX FDS GROWTH ETF 922908736   408,394 1,064 SH   SOLE   0 0 1,064
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   3,508,314 68,629 SH   SOLE   0 0 68,629
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   307,983 1,555 SH   SOLE   0 0 1,555
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   257,826 2,011 SH   SOLE   0 0 2,011
VANGUARD WORLD FD INF TECH ETF 92204A702   382,987 653 SH   SOLE   0 0 653
VERIZON COMMUNICATIONS INC COM 92343V104   287,473 6,401 SH   SOLE   0 0 6,401
VISA INC COM CL A 92826C839   1,414,721 5,145 SH   SOLE   0 0 5,145
WALMART INC COM 931142103   450,985 5,585 SH   SOLE   0 0 5,585