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
Alphabet Inc Cap Stock Cl A COM 02079k305 254 145 SH   SOLE   0 0 145
Alphabet Inc Cap Stock Cl C COM 02079k107 1,489 850 SH   SOLE   0 0 850
Amazon.com Inc COM 023135106 1,332 409 SH   SOLE   0 0 409
Apple Inc COM 037833100 4,736 35,695 SH   SOLE   0 0 35,695
Berkshire Hathaway Inc Cl B COM 084670702 1,760 7,590 SH   SOLE   0 0 7,590
Cisco Systems Inc COM 17275r102 1,341 29,960 SH   SOLE   0 0 29,960
Constellation Brands Inc Cl A COM 21036p108 1,699 7,755 SH   SOLE   0 0 7,755
CSX Corp COM 126408103 451 4,965 SH   SOLE   0 0 4,965
CVS Health Corp COM 126650100 250 3,660 SH   SOLE   0 0 3,660
Intl Business Machines COM 459200101 446 3,547 SH   SOLE   0 0 3,547
Johnson & Johnson COM 478160104 1,048 6,662 SH   SOLE   0 0 6,662
L3harris Technologies Inc COM 502431109 215 1,135 SH   SOLE   0 0 1,135
M & T Bank Corp COM 55261f104 265 2,080 SH   SOLE   0 0 2,080
Microsoft Corp COM 594918104 1,519 6,830 SH   SOLE   0 0 6,830
Nextera Energy Inc COM 65339f101 536 6,950 SH   SOLE   0 0 6,950
PepsiCo Inc COM 713448108 259 1,748 SH   SOLE   0 0 1,748
Qualcomm Inc COM 747525103 1,666 10,935 SH   SOLE   0 0 10,935
Royal Bank of Canada Montreal COM 780087102 277 3,370 SH   SOLE   0 0 3,370
Fidelity MSCI Info Tech I UIU 316092808 393 3,765 SH   SOLE   0 0 3,765
Invesco Qqq Tr Unit Ser 1 UIU 46090e103 14,354 45,750 SH   SOLE   0 0 45,750
iShares Core S & P Small Cap UIU 464287804 4,513 49,110 SH   SOLE   0 0 49,110
iShares Core S&P Mid-Cap UIU 464287507 7,080 30,807 SH   SOLE   0 0 30,807
iShares MSCI ACWI ETF UIU 464288257 893 9,845 SH   SOLE   0 0 9,845
iShares MSCI EAFE ETF UIU 464287465 556 7,620 SH   SOLE   0 0 7,620
iShares US Financials ETF UIU 464287788 798 11,950 SH   SOLE   0 0 11,950
iShares US Industries ETF UIU 464287754 3,269 33,664 SH   SOLE   0 0 33,664
iShares US Tech ETF UIU 464287721 701 8,236 SH   SOLE   0 0 8,236
Select Sector SPDR Cons Discre UIU 81369y407 3,547 22,063 SH   SOLE   0 0 22,063
Select Sector SPDR Consumer St UIU 81369y308 2,076 30,775 SH   SOLE   0 0 30,775
Select Sector SPDR Healthcare UIU 81369y209 3,207 28,270 SH   SOLE   0 0 28,270
Select Sector SPDR Industrials UIU 81369y704 583 6,580 SH   SOLE   0 0 6,580
Select Sector SPDR Tr Communic UIU 81369y852 908 13,455 SH   SOLE   0 0 13,455
SPDR Asia Pacific ETF UIU 78463x301 1,434 11,260 SH   SOLE   0 0 11,260
SPDR Dow Jones Industrial Avrg UIU 78467x109 6,172 20,183 SH   SOLE   0 0 20,183
SPDR S&P 500 ETF Tr UIU 78462f103 16,205 43,342 SH   SOLE   0 0 43,342
SPDR S&P Div ETF UIU 78464a763 970 9,155 SH   SOLE   0 0 9,155
Vanguard Mid Cap ETF UIU 922908629 403 1,950 SH   SOLE   0 0 1,950
American Beacon Small Cap Valu MTF 02368a620 305 12,677 SH   SOLE   0 0 12,677
Cohen Steers Pfd Secs Inc Fdfd MTF 19248x307 1,605 111,381 SH   SOLE   0 0 111,381
Edgewood Growth Inst MTF 0075w0759 648 12,523 SH   SOLE   0 0 12,523
Fidelity Tr 500 Index Ins Prem MTF 315911750 1,342 10,308 SH   SOLE   0 0 10,308
Pioneer Equity Income Fund Cl MTF 72366v108 337 9,414 SH   SOLE   0 0 9,414
Selected American Inc Cl S MTF 816221105 721 17,833 SH   SOLE   0 0 17,833
Magellan Midstream Partners LP ML 559080106 1,034 24,368 SH   SOLE   0 0 24,368
Crown Castle Intl Corp RET 22822v101 1,976 12,412 SH   SOLE   0 0 12,412
Realty Income Corp RET 756109104 1,553 24,985 SH   SOLE   0 0 24,985