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
3M CO COM 88579Y101 691 6,254 SH   SOLE   0 0 6,254
ABBVIE INC COM 00287Y109 2,471 18,411 SH   SOLE   0 0 18,411
ALPHABET INC CAP STK CL A 02079K305 496 5,183 SH   SOLE   0 0 5,183
ALPHABET INC CAP STK CL C 02079K107 352 3,666 SH   SOLE   0 0 3,666
AT&T INC COM 00206R102 185 12,065 SH   SOLE   0 0 12,065
AXON ENTERPRISE INC COM 05464C101 260 2,250 SH   SOLE   0 0 2,250
BROADCOM INC COM 11135F101 601 1,353 SH   SOLE   0 0 1,353
CARDINAL HEALTH INC COM 14149Y108 1,316 19,737 SH   SOLE   0 0 19,737
CISCO SYS INC COM 17275R102 409 10,235 SH   SOLE   0 0 10,235
COMCAST CORP NEW CL A 20030N101 385 13,115 SH   SOLE   0 0 13,115
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 9,846 442,714 SH   SOLE   0 0 442,714
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872 4,696 114,714 SH   SOLE   0 0 114,714
DIMENSIONAL ETF TRUST SHORT DURATION F 25434V864 2,375 51,633 SH   SOLE   0 0 51,633
DIMENSIONAL ETF TRUST INTL CORE EQUITY 25434V799 2,028 105,848 SH   SOLE   0 0 105,848
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 1,165 61,675 SH   SOLE   0 0 61,675
DIMENSIONAL ETF TRUST EMERGING MKTS CO 25434V732 891 43,605 SH   SOLE   0 0 43,605
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 750 29,835 SH   SOLE   0 0 29,835
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 607 23,556 SH   SOLE   0 0 23,556
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302 503 25,042 SH   SOLE   0 0 25,042
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 446 20,690 SH   SOLE   0 0 20,690
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 313 8,036 SH   SOLE   0 0 8,036
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823 282 13,720 SH   SOLE   0 0 13,720
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 220 7,432 SH   SOLE   0 0 7,432
EXXON MOBIL CORP COM 30231G102 1,930 22,106 SH   SOLE   0 0 22,106
INVESCO CURRENCYSHARES CDN D CDN DLR SHS 46138T104 347 4,898 SH   SOLE   0 0 4,898
INVESCO EXCH TRADED FD TR II S&P SMLCP LOW 46138G102 751 18,522 SH   SOLE   0 0 18,522
INVESCO EXCH TRADED FD TR II FTSE RAFI SML 46138E735 772 30,158 SH   SOLE   0 0 30,158
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 379 2,978 SH   SOLE   0 0 2,978
INVESCO EXCHANGE TRADED FD T DIVID ACHIEVEV 46137V506 365 11,292 SH   SOLE   0 0 11,292
ISHARES INC CORE MSCI EMKT 46434G103 2,559 59,549 SH   SOLE   0 0 59,549
ISHARES INC ESG AWR MSCI EM 46434G863 556 20,085 SH   SOLE   0 0 20,085
ISHARES TR MSCI USA VALUE 46432F388 331 4,040 SH   SOLE   0 0 4,040
ISHARES TR CORE TOTAL USD 46434V613 13,418 301,531 SH   SOLE   0 0 301,531
ISHARES TR FALN ANGLS USD 46435G474 3,410 142,665 SH   SOLE   0 0 142,665
ISHARES TR ESG AWR MSCI USA 46435G425 47,742 601,214 SH   SOLE   0 0 601,214
ISHARES TR MSCI USA MIN VOL 46429B697 7,403 112,000 SH   SOLE   0 0 112,000
ISHARES TR MSCI USA MMENTM 46432F396 2,367 18,044 SH   SOLE   0 0 18,044
ISHARES TR US TREAS BD ETF 46429B267 22,588 992,464 SH   SOLE   0 0 992,464
ISHARES TR EXPONENTIAL TECH 46434V381 10,678 239,580 SH   SOLE   0 0 239,580
ISHARES TR CORE 1 5 YR USD 46432F859 4,829 104,757 SH   SOLE   0 0 104,757
ISHARES TR CORE MSCI EAFE 46432F842 3,675 69,773 SH   SOLE   0 0 69,773
ISHARES TR CORE HIGH DV ETF 46429B663 3,434 37,615 SH   SOLE   0 0 37,615
ISHARES TR MSCI USA QLT FCT 46432F339 3,025 29,102 SH   SOLE   0 0 29,102
ISHARES TR CONV BD ETF 46435G102 2,804 40,696 SH   SOLE   0 0 40,696
ISHARES TR CORE DIV GRWTH 46434V621 2,044 45,965 SH   SOLE   0 0 45,965
ISHARES TR US INFRASTRUC 46435U713 1,965 60,949 SH   SOLE   0 0 60,949
ISHARES TR IBONDS DEC2023 46435G318 1,762 69,804 SH   SOLE   0 0 69,804
ISHARES TR IBONDS DEC 46435U697 1,703 66,761 SH   SOLE   0 0 66,761
ISHARES TR IBONDS DEC2022 46435G755 1,696 65,464 SH   SOLE   0 0 65,464
ISHARES TR MSCI EAFE MIN VL 46429B689 1,775 31,140 SH   SOLE   0 0 31,140
ISHARES TR IBONDS DEC 25 46435U432 1,469 56,666 SH   SOLE   0 0 56,666
ISHARES TR ESG MSCI LEADR 46435U218 1,433 23,204 SH   SOLE   0 0 23,204
ISHARES TR IBONDS DEC 26 46435U259 1,408 57,155 SH   SOLE   0 0 57,155
ISHARES TR IBONDS DEC23 ETF 46434VAX8 1,004 40,255 SH   SOLE   0 0 40,255
ISHARES TR IBONDS DEC22 ETF 46434VBA7 948 37,878 SH   SOLE   0 0 37,878
ISHARES TR IBONDS DEC24 ETF 46434VBG4 897 36,852 SH   SOLE   0 0 36,852
ISHARES TR 0-5YR HI YL CP 46434V407 895 22,413 SH   SOLE   0 0 22,413
ISHARES TR IBONDS DEC25 ETF 46434VBD1 782 32,407 SH   SOLE   0 0 32,407
ISHARES TR IBONDS DEC2026 46435GAA0 646 27,944 SH   SOLE   0 0 27,944
ISHARES TR CORE MSCI TOTAL 46432F834 549 10,774 SH   SOLE   0 0 10,774
ISHARES TR MSCI INTL VLU FT 46435G409 299 15,162 SH   SOLE   0 0 15,162
ISHARES TR ESG ADV TTL USD 46436E619 258 6,161 SH   SOLE   0 0 6,161
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 4,485 125,553 SH   SOLE   0 0 125,553
ISHARES U S ETF TR BLACKROCK SHORT 46431W838 717 14,451 SH   SOLE   0 0 14,451
ISHARES U S ETF TR BLACKROCK ST MAT 46431W507 235 4,764 SH   SOLE   0 0 4,764
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 359 7,149 SH   SOLE   0 0 7,149
JPMORGAN CHASE & CO COM 46625H100 827 7,915 SH   SOLE   0 0 7,915
LEGG MASON ETF INVT FRANKLIN US LOW 52468L406 411 12,037 SH   SOLE   0 0 12,037
M & T BK CORP COM 55261F104 569 3,227 SH   SOLE   0 0 3,227
MEDTRONIC PLC SHS G5960L103 1,192 14,766 SH   SOLE   0 0 14,766
MERCK & CO INC COM 58933Y105 1,253 14,544 SH   SOLE   0 0 14,544
META PLATFORMS INC CL A 30303M102 256 1,890 SH   SOLE   0 0 1,890
NEXTERA ENERGY INC COM 65339F101 1,007 12,842 SH   SOLE   0 0 12,842
PACER FDS TR TRENDP US LAR CP 69374H105 70,865 1,881,712 SH   SOLE   0 0 1,881,712
PIMCO ETF TR 1-5 US TIP IDX 72201R205 583 11,800 SH   SOLE   0 0 11,800
PRICE T ROWE GROUP INC COM 74144T108 1,409 13,417 SH   SOLE   0 0 13,417
PROSHARES TR S&P 500 DV ARIST 74348A467 9,218 115,284 SH   SOLE   0 0 115,284
PROSHARES TR RUSS 2000 DIVD 74347B698 1,548 27,884 SH   SOLE   0 0 27,884
PROSHARES TR MSCI EAFE DIVD 74347B839 985 31,471 SH   SOLE   0 0 31,471
PROSHARES TR S&P MDCP 400 DIV 74347B680 756 11,737 SH   SOLE   0 0 11,737
PROSHARES TR S&P TECH DIVIDEN 74347G606 541 10,691 SH   SOLE   0 0 10,691
S&P GLOBAL INC COM 78409V104 2,324 7,611 SH   SOLE   0 0 7,611
SELECT SECTOR SPDR TR ENERGY 81369Y506 580 8,056 SH   SOLE   0 0 8,056
SIRIUS XM HOLDINGS INC COM 82968B103 124 21,734 SH   SOLE   0 0 21,734
SPDR INDEX SHS FDS S&P NORTH AMER 78463X152 6,771 141,988 SH   SOLE   0 0 141,988
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 778 25,067 SH   SOLE   0 0 25,067
SPDR INDEX SHS FDS DJ GLB RL ES ETF 78463X749 254 6,558 SH   SOLE   0 0 6,558
SPDR S&P 500 ETF TR TR UNIT 78462F103 1,094 3,062 SH   SOLE   0 0 3,062
SPDR SER TR PORTFOLIO S&P500 78464A854 69,253 1,649,274 SH   SOLE   0 0 1,649,274
SPDR SER TR PORTFOLIO LN TSR 78464A664 7,962 268,632 SH   SOLE   0 0 268,632
SPDR SER TR NUVEEN BLMBRG MU 78468R721 3,216 73,099 SH   SOLE   0 0 73,099
SPDR SER TR PORTFOLIO INTRMD 78464A375 1,990 63,552 SH   SOLE   0 0 63,552
SPDR SER TR S&P 600 SML CAP 78464A813 1,618 21,379 SH   SOLE   0 0 21,379
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,034 40,782 SH   SOLE   0 0 40,782
SPDR SER TR PORTFOLIO SHORT 78464A474 619 21,184 SH   SOLE   0 0 21,184
SPDR SER TR PORTFOLIO S&P400 78464A847 581 15,065 SH   SOLE   0 0 15,065
SPDR SER TR PORTFOLIO S&P600 78468R853 563 16,538 SH   SOLE   0 0 16,538
SPDR SER TR PORTFOLI S&P1500 78464A805 349 7,907 SH   SOLE   0 0 7,907
SPDR SER TR NUVEEN BLMBRG SH 78468R739 304 6,605 SH   SOLE   0 0 6,605
SPDR SER TR MSCI USA STRTGIC 78468R812 260 2,557 SH   SOLE   0 0 2,557
SPDR SER TR PORTFOLIO LN COR 78464A367 218 10,038 SH   SOLE   0 0 10,038
TESLA INC COM 88160R101 1,416 5,340 SH   SOLE   0 0 5,340
UNITEDHEALTH GROUP INC COM 91324P102 576 1,140 SH   SOLE   0 0 1,140
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 1,072 24,626 SH   SOLE   0 0 24,626
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 348 5,976 SH   SOLE   0 0 5,976
VANGUARD WORLD FDS INF TECH ETF 92204A702 463 1,505 SH   SOLE   0 0 1,505
VERIZON COMMUNICATIONS INC COM 92343V104 217 5,708 SH   SOLE   0 0 5,708
VISA INC COM CL A 92826C839 293 1,650 SH   SOLE   0 0 1,650
WIPRO LTD SPON ADR 1 SH 97651M109 69 14,682 SH   SOLE   0 0 14,682
WISDOMTREE TR US ESG FUND 97717W596 205 5,373 SH   SOLE   0 0 5,373
WISDOMTREE TR US TOTAL DIVIDND 97717W109 202 3,722 SH   SOLE   0 0 3,722