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
ABBOTT LABS COM 002824100 237 2,180 SH   SOLE   0 0 2,180
ABBVIE INC COM 00287Y109 296 1,933 SH   SOLE   0 0 1,933
ALPHABET INC CAP STK CL C 02079K107 262 120 SH   SOLE   0 0 120
ALPHABET INC CAP STK CL A 02079K305 506 232 SH   SOLE   0 0 232
AMAZON COM INC COM 023135106 1,587 14,940 SH   SOLE   0 0 14,940
AMERICAN EXPRESS CO COM 025816109 400 2,886 SH   SOLE   0 0 2,886
APPLE INC COM 037833100 3,661 26,775 SH   SOLE   0 0 26,775
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,227 3 SH   SOLE   0 0 3
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 4,698 17,206 SH   SOLE   0 0 17,206
CHEVRON CORP NEW COM 166764100 308 2,130 SH   SOLE   0 0 2,130
COCA COLA CO COM 191216100 414 6,543 SH   SOLE   0 0 6,543
DICKS SPORTING GOODS INC COM 253393102 353 4,685 SH   SOLE   0 0 4,685
DOMINION ENERGY INC COM 25746U109 290 3,631 SH   SOLE   0 0 3,631
EXXON MOBIL CORP COM 30231G102 340 3,967 SH   SOLE   0 0 3,967
FIRST TR EXCHANGE TRADED FD NASDAQ CYB ETF 33734X846 366 9,086 SH   SOLE   0 0 9,086
FLEXSHARES TR STOXX GLOBR INF 33939L795 963 18,633 SH   SOLE   0 0 18,633
FLEXSHARES TR MORNSTAR UPSTR 33939L407 1,910 48,135 SH   SOLE   0 0 48,135
FLEXSHARES TR MSTAR EMKT FAC 33939L308 696 14,182 SH   SOLE   0 0 14,182
FLEXSHARES TR IBOXX 3R TARGT 33939L506 645 26,012 SH   SOLE   0 0 26,012
FLEXSHARES TR HIG YLD VL ETF 33939L662 965 23,881 SH   SOLE   0 0 23,881
INTERNATIONAL BUSINESS MACHS COM 459200101 507 3,589 SH   SOLE   0 0 3,589
INTUITIVE SURGICAL INC COM NEW 46120E602 235 1,170 SH   SOLE   0 0 1,170
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 1,153 8,542 SH   SOLE   0 0 8,542
INVESCO EXCHANGE TRADED FD T S&P SML600 VAL 46137V167 1,024 12,282 SH   SOLE   0 0 12,282
ISHARES INC MSCI EMRG CHN 46434G764 983 20,577 SH   SOLE   0 0 20,577
ISHARES TR BROAD USD HIGH 46435U853 1,421 41,044 SH   SOLE   0 0 41,044
ISHARES TR CORE US AGGBD ET 464287226 2,359 23,196 SH   SOLE   0 0 23,196
ISHARES TR CRE U S REIT ETF 464288521 5,904 110,553 SH   SOLE   0 0 110,553
ISHARES TR MSCI EMG MKT ETF 464287234 346 8,641 SH   SOLE   0 0 8,641
ISHARES TR SP SMCP600VL ETF 464287879 254 2,856 SH   SOLE   0 0 2,856
ISHARES TR IBOXX INV CP ETF 464287242 336 3,054 SH   SOLE   0 0 3,054
ISHARES TR CORE S&P SCP ETF 464287804 3,127 33,843 SH   SOLE   0 0 33,843
ISHARES TR MSCI EAFE ETF 464287465 3,428 54,850 SH   SOLE   0 0 54,850
ISHARES TR CORE 1 5 YR USD 46432F859 496 10,460 SH   SOLE   0 0 10,460
ISHARES TR CORE S&P MCP ETF 464287507 1,919 8,483 SH   SOLE   0 0 8,483
ISHARES TR S&P 500 GRWT ETF 464287309 633 10,490 SH   SOLE   0 0 10,490
ISHARES TR CORE S&P500 ETF 464287200 44,229 116,652 SH   SOLE   0 0 116,652
ISHARES TR ISHS 1-5YR INVS 464288646 1,155 22,847 SH   SOLE   0 0 22,847
ISHARES TR RUS MID CAP ETF 464287499 501 7,745 SH   SOLE   0 0 7,745
ISHARES TR FLTG RATE NT ETF 46429B655 369 7,384 SH   SOLE   0 0 7,384
ISHARES TR RUS 1000 VAL ETF 464287598 972 6,703 SH   SOLE   0 0 6,703
JOHNSON & JOHNSON COM 478160104 998 5,621 SH   SOLE   0 0 5,621
JPMORGAN CHASE & CO COM 46625H100 306 2,719 SH   SOLE   0 0 2,719
M & T BK CORP COM 55261F104 846 5,310 SH   SOLE   0 0 5,310
MICROSOFT CORP COM 594918104 2,796 10,886 SH   SOLE   0 0 10,886
NOVO-NORDISK A S ADR 670100205 616 5,532 SH   SOLE   0 0 5,532
NVIDIA CORPORATION COM 67066G104 1,250 8,246 SH   SOLE   0 0 8,246
NXP SEMICONDUCTORS N V COM N6596X109 364 2,445 SH   SOLE   0 0 2,445
PEPSICO INC COM 713448108 211 1,267 SH   SOLE   0 0 1,267
PHILIP MORRIS INTL INC COM 718172109 331 3,307 SH   SOLE   0 0 3,307
PROCTER AND GAMBLE CO COM 742718109 617 4,293 SH   SOLE   0 0 4,293
QUALCOMM INC COM 747525103 358 2,805 SH   SOLE   0 0 2,805
RAYTHEON TECHNOLOGIES CORP COM 75513E101 356 3,706 SH   SOLE   0 0 3,706
RESMED INC COM 761152107 332 1,584 SH   SOLE   0 0 1,584
ROCKWELL AUTOMATION INC COM 773903109 347 1,740 SH   SOLE   0 0 1,740
S&P GLOBAL INC COM 78409V104 302 895 SH   SOLE   0 0 895
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 281 3,920 SH   SOLE   0 0 3,920
SHOPIFY INC CL A 82509L107 239 7,650 SH   SOLE   0 0 7,650
SPDR S&P 500 ETF TR TR UNIT 78462F103 19,023 50,426 SH   SOLE   0 0 50,426
SPDR SER TR NUVEEN BLOOMBERG 78464A284 1,267 24,666 SH   SOLE   0 0 24,666
TARGET CORP COM 87612E106 235 1,667 SH   SOLE   0 0 1,667
TRUIST FINL CORP COM 89832Q109 437 9,211 SH   SOLE   0 0 9,211
UNITEDHEALTH GROUP INC COM 91324P102 329 641 SH   SOLE   0 0 641
VANECK ETF TRUST INVESTMENT GRD 92189F486 536 21,737 SH   SOLE   0 0 21,737
VANECK ETF TRUST AGRIBUSINESS ETF 92189F700 448 5,186 SH   SOLE   0 0 5,186
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 40,547 538,758 SH   SOLE   0 0 538,758
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 1,263 16,448 SH   SOLE   0 0 16,448
VANGUARD INDEX FDS GROWTH ETF 922908736 302 1,356 SH   SOLE   0 0 1,356
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 12,151 34,871 SH   SOLE   0 0 34,871
VANGUARD INDEX FDS TOTAL STK MKT 922908769 709 3,757 SH   SOLE   0 0 3,757
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 262 2,880 SH   SOLE   0 0 2,880
VANGUARD INDEX FDS SMALL CP ETF 922908751 12,269 69,667 SH   SOLE   0 0 69,667
VANGUARD INDEX FDS SM CP VAL ETF 922908611 685 4,569 SH   SOLE   0 0 4,569
VANGUARD INDEX FDS MID CAP ETF 922908629 11,319 57,463 SH   SOLE   0 0 57,463
VANGUARD INDEX FDS LARGE CAP ETF 922908637 34,210 198,492 SH   SOLE   0 0 198,492
VANGUARD STAR FDS VG TL INTL STK F 921909768 17,894 346,724 SH   SOLE   0 0 346,724
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 9,149 224,251 SH   SOLE   0 0 224,251
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 558 5,490 SH   SOLE   0 0 5,490
VERIZON COMMUNICATIONS INC COM 92343V104 291 5,740 SH   SOLE   0 0 5,740
WALMART INC COM 931142103 324 2,667 SH   SOLE   0 0 2,667