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   101,805 628 SH   DFND 1 0 0 628
ALPHABET INC CAP STK CL C 02079K107   55,860 20 SH   DFND 1 0 0 20
APPLE INC COM 037833100   2,702,465 15,477 SH   DFND 1 0 0 15,477
ARK ETF TR INNOVATION ETF 00214Q104   213,311 3,218 SH   DFND 1 0 0 3,218
AT&T INC COM 00206R102   106,878 4,523 SH   DFND 1 0 0 4,523
CISCO SYS INC COM 17275R102   45,779 821 SH   DFND 1 0 0 821
COMCAST CORP NEW CL A 20030N101   49,021 1,047 SH   DFND 1 0 0 1,047
ETFS GOLD TR PHYSCL GOLD SHS 00326A104   56,000 3,014 SH   DFND 1 0 0 3,014
EXXON MOBIL CORP COM 30231G102   371,572 4,499 SH   DFND 1 0 0 4,499
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   208,325 2,664 SH   DFND 1 0 0 2,664
FIRST TR EXCHNG TRADED FD LOW OPPT EFT 33739Q200   261,736 5,347 SH   DFND 1 0 0 5,347
FIRST TRUST LRGCP GWT ALPHAD COM 33735K108   245,303 2,299 SH   DFND 1 0 0 2,299
ISHARES TR CORE S&P500 ETF 464287200   1,124,244 2,478 SH   DFND 1 0 0 2,478
ISHARES TR AGGRES ALLOC ETF 464289859   973,019 14,114 SH   DFND 1 0 0 14,114
ISHARES TR MODERT ALLOC ETF 464289875   484,530 11,276 SH   DFND 1 0 0 11,276
ISHARES TR EXPND TEC SC ETF 464287549   468,688 1,206 SH   DFND 1 0 0 1,206
ISHARES TR CORE S&P MCP ETF 464287507   313,153 1,167 SH   DFND 1 0 0 1,167
ISHARES TR U.S. FIN SVC ETF 464287770   222,708 1,235 SH   DFND 1 0 0 1,235
ISHARES TR U S EQUITY FACTR 46434V282   217,596 4,892 SH   DFND 1 0 0 4,892
ISHARES TR CORE MSCI EAFE 46432F842   165,712 2,384 SH   DFND 1 0 0 2,384
ISHARES TR HDG MSCI EAFE 46434V803   74,838 2,205 SH   DFND 1 0 0 2,205
ISHARES TR GRWT ALLOCAT ETF 464289867   678,871 12,581 SH   DFND 1 0 0 12,581
ISHARES TR CORE S&P US GWT CORE S&P US GWT 464287671   290,459 2,749 SH   DFND 1 0 0 2,749
M & T BK CORP COM 55261F104   90,683 535 SH   DFND 1 0 0 535
MASTERCARD INCORPORATED CL A 57636Q104   107,929 302 SH   DFND 1 0 0 302
MICROSOFT CORP COM 594918104   552,539 1,792 SH   DFND 1 0 0 1,792
ORACLE CORP COM 68389X105   84,633 1,023 SH   DFND 1 0 0 1,023
PROSHARES TR PSHS ULTRA QQQ 74347R206   246,254 3,424 SH   DFND 1 0 0 3,424
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   1,263,494 7,950 SH   DFND 1 0 0 7,950
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209   938,929 6,854 SH   DFND 1 0 0 6,854
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   701,984 18,319 SH   DFND 1 0 0 18,319
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   564,684 8,210 SH   DFND 1 0 0 8,210
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407   474,895 2,567 SH   DFND 1 0 0 2,567
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,239,300 2,744 SH   DFND 1 0 0 2,744
SPDR SER TR PORTFOLIO SHORT 78464A474   213,983 7,102 SH   DFND 1 0 0 7,102
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   44,344 485 SH   DFND 1 0 0 485
TESLA INC COM 88160R101   1,154,110 1,071 SH   DFND 1 0 0 1,071
TWIST BIOSCIENCE CORP COM 90184D100   286,898 5,810 SH   DFND 1 0 0 5,810
VANGUARD INDEX FDS TOTAL STK MKT 922908769   838,281 3,682 SH   DFND 1 0 0 3,682
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   220,254 4,301 SH   DFND 1 0 0 4,301
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   255,797 2,973 SH   DFND 1 0 0 2,973
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   57,423 969 SH   DFND 1 0 0 969
VANGUARD WORLD FD HEALTH CAR ETF 92204A504   215,460 847 SH   DFND 1 0 0 847
VERIZON COMMUNICATIONS INC COM 92343V104   79,721 1,565 SH   DFND 1 0 0 1,565
VISA INC COM CL A 92826C839   79,341 358 SH   DFND 1 0 0 358