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
ABBOTT LABS COM 002824100   457,275 4,165 SH   SOLE   0 0 4,165
ABBVIE INC COM 00287Y109   865,260 5,354 SH   SOLE   0 0 5,354
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   267,641 1,003 SH   SOLE   0 0 1,003
ADOBE SYSTEMS INCORPORATED COM 00724F101   350,328 1,041 SH   SOLE   0 0 1,041
ALCON AG ORD SHS H01301128   234,989 3,428 SH   SOLE   0 0 3,428
ALPHA TAU MEDICAL LTD ORDINARY SHARES M0740A108   31,800 10,000 SH   SOLE   0 0 10,000
ALPHABET INC CAP STK CL A 02079K305   404,535 4,585 SH   SOLE   0 0 4,585
ALPHABET INC CAP STK CL C 02079K107   508,955 5,736 SH   SOLE   0 0 5,736
ALTRIA GROUP INC COM 02209S103   316,990 6,935 SH   SOLE   0 0 6,935
AMAZON COM INC COM 023135106   814,800 9,700 SH   SOLE   0 0 9,700
APPLE INC COM 037833100   2,104,615 16,198 SH   SOLE   0 0 16,198
ASML HOLDING N V N Y REGISTRY SHS N07059210   260,633 477 SH   SOLE   0 0 477
AT&T INC COM 00206R102   195,760 10,633 SH   SOLE   0 0 10,633
AUTODESK INC COM 052769106   212,471 1,137 SH   SOLE   0 0 1,137
BANK AMERICA CORP COM 060505104   217,288 6,561 SH   SOLE   0 0 6,561
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   512,465 1,659 SH   SOLE   0 0 1,659
BLACKROCK INC COM 09247X101   235,265 332 SH   SOLE   0 0 332
CANADIAN PAC RY LTD COM 13645T100   292,169 3,917 SH   SOLE   0 0 3,917
CDW CORP COM 12514G108   256,262 1,435 SH   SOLE   0 0 1,435
CHEVRON CORP NEW COM 166764100   379,083 2,112 SH   SOLE   0 0 2,112
CISCO SYS INC COM 17275R102   331,479 6,958 SH   SOLE   0 0 6,958
COCA COLA CO COM 191216100   708,170 11,133 SH   SOLE   0 0 11,133
COLGATE PALMOLIVE CO COM 194162103   202,254 2,567 SH   SOLE   0 0 2,567
COMCAST CORP NEW CL A 20030N101   320,885 9,176 SH   SOLE   0 0 9,176
CONOCOPHILLIPS COM 20825C104   208,624 1,768 SH   SOLE   0 0 1,768
CVS HEALTH CORP COM 126650100   506,773 5,438 SH   SOLE   0 0 5,438
DIAGEO PLC SPON ADR NEW 25243Q205   203,671 1,143 SH   SOLE   0 0 1,143
DISNEY WALT CO COM 254687106   232,752 2,679 SH   SOLE   0 0 2,679
DOW INC COM 260557103   218,844 4,343 SH   SOLE   0 0 4,343
EXXON MOBIL CORP COM 30231G102   779,380 7,066 SH   SOLE   0 0 7,066
FIRST TR ENHANCED EQUITY INC COM 337318109   631,377 40,062 SH   SOLE   0 0 40,062
FISERV INC COM 337738108   408,828 4,045 SH   SOLE   0 0 4,045
GARTNER INC COM 366651107   261,517 778 SH   SOLE   0 0 778
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   183,045 11,505 SH   SOLE   0 0 11,505
HOME DEPOT INC COM 437076102   369,160 1,169 SH   SOLE   0 0 1,169
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   476,050 23,188 SH   SOLE   0 0 23,188
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   769,671 5,449 SH   SOLE   0 0 5,449
ISHARES TR CORE 1 5 YR USD 46432F859   18,327,267 394,644 SH   SOLE   0 0 394,644
ISHARES TR CORE DIV GRWTH 46434V621   669,900 13,398 SH   SOLE   0 0 13,398
ISHARES TR CORE S&P500 ETF 464287200   1,477,287 3,845 SH   SOLE   0 0 3,845
ISHARES TR CORE US AGGBD ET 464287226   228,217 2,353 SH   SOLE   0 0 2,353
ISHARES TR EAFE GRWTH ETF 464288885   1,311,263 15,655 SH   SOLE   0 0 15,655
ISHARES TR EAFE VALUE ETF 464288877   1,777,942 38,752 SH   SOLE   0 0 38,752
ISHARES TR ESG AW MSCI EAFE 46435G516   309,357 4,706 SH   SOLE   0 0 4,706
ISHARES TR ESG AWARE MSCI 46435U663   331,952 10,096 SH   SOLE   0 0 10,096
ISHARES TR ESG AWRE 1 5 YR 46435G243   2,298,983 96,718 SH   SOLE   0 0 96,718
ISHARES TR INTRM GOV CR ETF 464288612   864,865 8,441 SH   SOLE   0 0 8,441
ISHARES TR MSCI EAFE ETF 464287465   603,035 9,187 SH   SOLE   0 0 9,187
ISHARES TR MSCI USA ESG SLC 464288802   291,091 3,536 SH   SOLE   0 0 3,536
ISHARES TR NATIONAL MUN ETF 464288414   436,747 4,139 SH   SOLE   0 0 4,139
ISHARES TR NEW YORK MUN ETF 464288323   1,383,360 26,400 SH   SOLE   0 0 26,400
ISHARES TR RUS 1000 ETF 464287622   537,037 2,551 SH   SOLE   0 0 2,551
ISHARES TR RUS 1000 GRW ETF 464287614   390,560 1,823 SH   SOLE   0 0 1,823
ISHARES TR RUS 2000 GRW ETF 464287648   1,477,828 6,889 SH   SOLE   0 0 6,889
ISHARES TR RUS 2000 VAL ETF 464287630   1,149,713 8,291 SH   SOLE   0 0 8,291
ISHARES TR RUS MID CAP ETF 464287499   741,006 10,986 SH   SOLE   0 0 10,986
ISHARES TR S&P 500 GRWT ETF 464287309   1,105,065 18,890 SH   SOLE   0 0 18,890
ISHARES TR S&P 500 VAL ETF 464287408   1,244,701 8,580 SH   SOLE   0 0 8,580
ISHARES TR SHRT NAT MUN ETF 464288158   889,319 8,529 SH   SOLE   0 0 8,529
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   203,738 3,739 SH   SOLE   0 0 3,739
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   295,630 5,850 SH   SOLE   0 0 5,850
JOHNSON & JOHNSON COM 478160104   614,919 3,481 SH   SOLE   0 0 3,481
JPMORGAN CHASE & CO COM 46625H100   402,514 3,002 SH   SOLE   0 0 3,002
LEGG MASON ETF INVT TR CLEARBRIDEG LR 524682200   18,522,266 453,755 SH   SOLE   0 0 453,755
LOCKHEED MARTIN CORP COM 539830109   315,246 648 SH   SOLE   0 0 648
MARKEL CORP COM 570535104   432,137 328 SH   SOLE   0 0 328
MASTERCARD INCORPORATED CL A 57636Q104   359,901 1,035 SH   SOLE   0 0 1,035
MCKESSON CORP COM 58155Q103   287,717 767 SH   SOLE   0 0 767
MERCK & CO INC COM 58933Y105   560,076 5,048 SH   SOLE   0 0 5,048
METLIFE INC COM 59156R108   201,695 2,787 SH   SOLE   0 0 2,787
MICROSOFT CORP COM 594918104   2,049,282 8,545 SH   SOLE   0 0 8,545
NETFLIX INC COM 64110L106   266,866 905 SH   SOLE   0 0 905
NIKE INC CL B 654106103   242,643 2,074 SH   SOLE   0 0 2,074
NOVARTIS AG SPONSORED ADR 66987V109   252,204 2,780 SH   SOLE   0 0 2,780
NOVO-NORDISK A S ADR 670100205   235,683 1,741 SH   SOLE   0 0 1,741
NUSHARES ETF TR NUVEEN ESG LRGVL 67092P300   920,371 26,880 SH   SOLE   0 0 26,880
NUVEEN N Y MUN VALUE FD COM 67062M105   83,632 10,125 SH   SOLE   0 0 10,125
NUVEEN NEW YORK QLT MUN INC COM 67066X107   244,671 22,866 SH   SOLE   0 0 22,866
NUVEEN TAXABLE MUNICPAL INM COM 67074C103   208,171 13,043 SH   SOLE   0 0 13,043
NVIDIA CORPORATION COM 67066G104   301,925 2,066 SH   SOLE   0 0 2,066
ORACLE CORP COM 68389X105   245,220 3,000 SH   SOLE   0 0 3,000
PARTY CITY HOLDCO INC COM 702149105   6,833 18,695 SH   SOLE   0 0 18,695
PEPSICO INC COM 713448108   289,959 1,605 SH   SOLE   0 0 1,605
PFIZER INC COM 717081103   492,524 9,612 SH   SOLE   0 0 9,612
PHILIP MORRIS INTL INC COM 718172109   232,277 2,295 SH   SOLE   0 0 2,295
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   4,451,617 47,227 SH   SOLE   0 0 47,227
PIMCO ETF TR INTER MUN BD ACT 72201R866   3,624,140 70,536 SH   SOLE   0 0 70,536
PROCTER AND GAMBLE CO COM 742718109   309,637 2,043 SH   SOLE   0 0 2,043
RAYTHEON TECHNOLOGIES CORP COM 75513E101   296,383 2,937 SH   SOLE   0 0 2,937
RUTHS HOSPITALITY GROUP INC COM 783332109   154,800 10,000 SH   SOLE   0 0 10,000
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   11,083,363 168,928 SH   SOLE   0 0 168,928
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704   4,958,263 50,486 SH   SOLE   0 0 50,486
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   4,822,772 62,085 SH   SOLE   0 0 62,085
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   1,313,267 54,583 SH   SOLE   0 0 54,583
SPDR S&P 500 ETF TR TR UNIT 78462F103   1,255,089 3,282 SH   SOLE   0 0 3,282
SPDR SER TR NUVEEN BLMBRG SH 78468R739   48,639,522 1,035,324 SH   SOLE   0 0 1,035,324
SPDR SER TR PORTFOLIO S&P600 78468R853   980,223 26,514 SH   SOLE   0 0 26,514
SPDR SER TR PRTFLO S&P500 GW 78464A409   1,271,969 25,103 SH   SOLE   0 0 25,103
SPDR SER TR PRTFLO S&P500 VL 78464A508   1,784,351 45,882 SH   SOLE   0 0 45,882
SPDR SER TR S&P HOMEBUILD 78464A888   598,676 9,925 SH   SOLE   0 0 9,925
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   516,567 12,630 SH   SOLE   0 0 12,630
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   508,388 12,697 SH   SOLE   0 0 12,697
STERIS PLC SHS USD G8473T100   224,214 1,214 SH   SOLE   0 0 1,214
TESLA INC COM 88160R101   505,284 4,102 SH   SOLE   0 0 4,102
THERMO FISHER SCIENTIFIC INC COM 883556102   415,221 754 SH   SOLE   0 0 754
TJX COS INC NEW COM 872540109   358,518 4,504 SH   SOLE   0 0 4,504
UNITED PARCEL SERVICE INC CL B 911312106   208,086 1,197 SH   SOLE   0 0 1,197
UNITEDHEALTH GROUP INC COM 91324P102   1,323,859 2,497 SH   SOLE   0 0 2,497
VALERO ENERGY CORP COM 91913Y100   443,565 3,496 SH   SOLE   0 0 3,496
VANECK ETF TRUST IG FLOATING RATE 92189F486   487,822 19,607 SH   SOLE   0 0 19,607
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   305,637 4,060 SH   SOLE   0 0 4,060
VANGUARD INDEX FDS GROWTH ETF 922908736   233,995 1,098 SH   SOLE   0 0 1,098
VANGUARD INDEX FDS SM CP VAL ETF 922908611   425,584 2,680 SH   SOLE   0 0 2,680
VANGUARD INDEX FDS SMALL CP ETF 922908751   242,640 1,322 SH   SOLE   0 0 1,322
VANGUARD INDEX FDS TOTAL STK MKT 922908769   816,381 4,270 SH   SOLE   0 0 4,270
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,985,687 40,123 SH   SOLE   0 0 40,123
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   251,155 2,321 SH   SOLE   0 0 2,321
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   221,839 3,724 SH   SOLE   0 0 3,724
VANGUARD WORLD FDS INDUSTRIAL ETF 92204A603   744,075 4,074 SH   SOLE   0 0 4,074
VANGUARD WORLD FDS MATERIALS ETF 92204A801   1,052,006 6,181 SH   SOLE   0 0 6,181
VERIZON COMMUNICATIONS INC COM 92343V104   243,689 6,185 SH   SOLE   0 0 6,185
VIRTUS DIVIDEND INTEREST & P COM 92840R101   995,990 88,297 SH   SOLE   0 0 88,297
VISA INC COM CL A 92826C839   700,404 3,371 SH   SOLE   0 0 3,371
WALMART INC COM 931142103   233,245 1,645 SH   SOLE   0 0 1,645
WHITE MTNS INS GROUP LTD COM G9618E107   292,766 207 SH   SOLE   0 0 207
ZOETIS INC CL A 98978V103   228,178 1,557 SH   SOLE   0 0 1,557