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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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
DISNEY WALT CO COM 254687106 857 4,643 SH   SOLE   0 0 4,643
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 24,648 775,578 SH   SOLE   0 0 775,578
MASTERCARD INCORPORATED CL A 57636Q104 241 676 SH   SOLE   0 0 676
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,987 5,013 SH   SOLE   0 0 5,013
ABBOTT LABS COM 002824100 445 3,716 SH   SOLE   0 0 3,716
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 802 3,414 SH   SOLE   0 0 3,414
MOGO INC COM 60800C109 571 67,132 SH   SOLE   0 0 67,132
COSTCO WHSL CORP NEW COM 22160K105 229 650 SH   SOLE   0 0 650
AMPIO PHARMACEUTICALS INC COM 03209T109 17 10,000 SH   SOLE   0 0 10,000
INNOVATIVE INDL PPTYS INC COM 45781V101 371 2,060 SH   SOLE   0 0 2,060
PEPSICO INC COM 713448108 441 3,116 SH   SOLE   0 0 3,116
BK OF AMERICA CORP COM 060505104 382 9,872 SH   SOLE   0 0 9,872
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874 17,964 285,141 SH   SOLE   0 0 285,141
CATERPILLAR INC COM 149123101 443 1,913 SH   SOLE   0 0 1,913
AMAZON COM INC COM 023135106 1,658 536 SH   SOLE   0 0 536
AT&T INC COM 00206R102 277 9,155 SH   SOLE   0 0 9,155
APPLE INC COM 037833100 3,983 32,608 SH   SOLE   0 0 32,608
PAYCHEX INC COM 704326107 6,737 68,731 SH   SOLE   0 0 68,731
UNION PAC CORP COM 907818108 246 1,118 SH   SOLE   0 0 1,118
MERCK & CO. INC COM 58933Y105 218 2,823 SH   SOLE   0 0 2,823
TRUIST FINL CORP COM 89832Q109 206 3,539 SH   SOLE   0 0 3,539
REALTY INCOME CORP COM 756109104 362 5,697 SH   SOLE   0 0 5,697
BOEING CO COM 097023105 246 964 SH   SOLE   0 0 964
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 3,523 35,344 SH   SOLE   0 0 35,344
PROCTER AND GAMBLE CO COM 742718109 239 1,761 SH   SOLE   0 0 1,761
INTEL CORP COM 458140100 460 7,192 SH   SOLE   0 0 7,192
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 12,271 227,456 SH   SOLE   0 0 227,456
WALMART INC COM 931142103 289 2,126 SH   SOLE   0 0 2,126
WISDOMTREE TR EM EX ST-OWNED 97717X578 211 5,178 SH   SOLE   0 0 5,178
JPMORGAN CHASE & CO COM 46625H100 370 2,431 SH   SOLE   0 0 2,431
COMCAST CORP NEW CL A 20030N101 207 3,819 SH   SOLE   0 0 3,819
PROSHARES TR PSHS ULTSH 20YRS 74347B201 233 10,708 SH   SOLE   0 0 10,708
AMBEV SA SPONSORED ADR 02319V103 45 16,430 SH   SOLE   0 0 16,430
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 474 1,857 SH   SOLE   0 0 1,857
ABBVIE INC COM 00287Y109 577 5,336 SH   SOLE   0 0 5,336
CHEVRON CORP NEW COM 166764100 714 6,815 SH   SOLE   0 0 6,815
WELBILT INC COM 949090104 1,124 69,199 SH   SOLE   0 0 69,199
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,203 16,978 SH   SOLE   0 0 16,978
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 307 3,346 SH   SOLE   0 0 3,346
VISA INC COM CL A 92826C839 350 1,655 SH   SOLE   0 0 1,655
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 1,063 7,229 SH   SOLE   0 0 7,229
CONSTELLATION BRANDS INC CL A 21036P108 520 2,280 SH   SOLE   0 0 2,280
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 3,918 104,137 SH   SOLE   0 0 104,137
FACEBOOK INC CL A 30303M102 1,067 3,624 SH   SOLE   0 0 3,624
SALESFORCE COM INC COM 79466L302 274 1,293 SH   SOLE   0 0 1,293
GRAHAM CORP COM 384556106 333 23,387 SH   SOLE   0 0 23,387
COCA COLA CO COM 191216100 494 9,366 SH   SOLE   0 0 9,366
INVESCO QQQ TR UNIT SER 1 46090E103 399 1,249 SH   SOLE   0 0 1,249
INTERNATIONAL BUSINESS MACHS COM 459200101 435 3,265 SH   SOLE   0 0 3,265
NVIDIA CORPORATION COM 67066G104 225 422 SH   SOLE   0 0 422
TESLA INC COM 88160R101 582 872 SH   SOLE   0 0 872
B & G FOODS INC NEW COM 05508R106 1,444 46,498 SH   SOLE   0 0 46,498
SERVICENOW INC COM 81762P102 217 434 SH   SOLE   0 0 434
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 1,597 4,383 SH   SOLE   0 0 4,383
ISHARES TR DOW JONES US ETF 464287846 370 3,701 SH   SOLE   0 0 3,701
MICROSOFT CORP COM 594918104 1,895 8,038 SH   SOLE   0 0 8,038
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 16,098 167,640 SH   SOLE   0 0 167,640
CANOPY GROWTH CORP COM 138035100 296 9,254 SH   SOLE   0 0 9,254
ISHARES TR RUSSELL 2000 ETF 464287655 857 3,877 SH   SOLE   0 0 3,877
STARBUCKS CORP COM 855244109 349 3,191 SH   SOLE   0 0 3,191
GANNETT CO INC COM 36472T109 1,947 361,825 SH   SOLE   0 0 361,825
ALPHABET INC CAP STK CL A 02079K305 654 317 SH   SOLE   0 0 317
GENERAL MTRS CO COM 37045V100 207 3,594 SH   SOLE   0 0 3,594
MARATHON OIL CORP COM 565849106 117 10,925 SH   SOLE   0 0 10,925
ALPHABET INC CAP STK CL C 02079K107 441 213 SH   SOLE   0 0 213
HONEYWELL INTL INC COM 438516106 421 1,939 SH   SOLE   0 0 1,939
ISHARES TR MSCI EAFE ETF 464287465 457 6,025 SH   SOLE   0 0 6,025
BROADSTONE NET LEASE INC COM 11135E203 1,167 63,797 SH   SOLE   0 0 63,797
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 234 4,495 SH   SOLE   0 0 4,495
VANGUARD BD INDEX FDS INTERMED TERM 921937819 340 3,829 SH   SOLE   0 0 3,829
MEDTRONIC PLC SHS G5960L103 204 1,731 SH   SOLE   0 0 1,731
ISHARES TR MSCI USA MMENTM 46432F396 264 1,643 SH   SOLE   0 0 1,643
UNITED PARCEL SERVICE INC CL B 911312106 205 1,206 SH   SOLE   0 0 1,206
ISHARES TR CORE S&P500 ETF 464287200 11,664 29,319 SH   SOLE   0 0 29,319
VANGUARD CHARLOTTE FDS INTL BD IDX ETF 92203J407 1,814 31,757 SH   SOLE   0 0 31,757
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 752 10,104 SH   SOLE   0 0 10,104
JOHNSON & JOHNSON COM 478160104 568 3,455 SH   SOLE   0 0 3,455
AIR PRODS & CHEMS INC COM 009158106 224 797 SH   SOLE   0 0 797
LULULEMON ATHLETICA INC COM 550021109 300 977 SH   SOLE   0 0 977