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
9 METERS BIOPHARMA INC COM 654405109 23 39,525 SH   SOLE   0 0 39,525
ABBOTT LABS COM 002824100 240 2,039 SH   SOLE   0 0 2,039
ABBVIE INC COM 00287Y109 702 4,320 SH   SOLE   0 0 4,320
ACCENTURE PLC IRELAND SHS CLASS A G1151C101 314 928 SH   SOLE   0 0 928
ADOBE SYSTEMS INCORPORATED COM 00724F101 217 470 SH   SOLE   0 0 470
ALLSTATE CORP COM 020002101 648 4,659 SH   SOLE   0 0 4,659
ALPHABET INC CAP STK CL A 02079K305 647 232 SH   SOLE   0 0 232
ALPHABET INC CAP STK CL C 02079K107 386 138 SH   SOLE   0 0 138
AMAZON COM INC COM 023135106 1,365 416 SH   SOLE   0 0 416
AMERIPRISE FINL INC COM 03076C106 1,166 3,856 SH   SOLE   0 0 3,856
AMGEN INC COM 031162100 365 1,509 SH   SOLE   0 0 1,509
APPLE INC COM 037833100 1,158 6,640 SH   SOLE   0 0 6,640
AT&T INC COM 00206R102 268 11,414 SH   SOLE   0 0 11,414
BALL CORP COM 058498106 571 6,333 SH   SOLE   0 0 6,333
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 687 1,953 SH   SOLE   0 0 1,953
BK OF AMERICA CORP COM 060505104 341 8,332 SH   SOLE   0 0 8,332
BLACKROCK INC COM 09247X101 222 295 SH   SOLE   0 0 295
BLACKSTONE INC COM 09260D107 570 4,490 SH   SOLE   0 0 4,490
BOOKING HOLDINGS INC COM 09857L108 263 115 SH   SOLE   0 0 115
BRISTOL-MYERS SQUIBB CO COM 110122108 278 3,844 SH   SOLE   0 0 3,844
CATERPILLAR INC COM 149123101 201 904 SH   SOLE   0 0 904
CISCO SYS INC COM 17275R102 356 6,406 SH   SOLE   0 0 6,406
CITIGROUP INC COM NEW 172967424 379 7,199 SH   SOLE   0 0 7,199
COCA COLA CO COM 191216100 336 5,429 SH   SOLE   0 0 5,429
COLUMBIA ETF TR I DIVERSIFID FXD 19761L508 2,193 112,755 SH   SOLE   0 0 112,755
COMCAST CORP NEW CL A 20030N101 319 6,847 SH   SOLE   0 0 6,847
CONSTELLATION BRANDS INC CL A 21036P108 874 3,781 SH   SOLE   0 0 3,781
COSTCO WHSL CORP NEW COM 22160K105 205 356 SH   SOLE   0 0 356
CVS HEALTH CORP COM 126650100 1,137 11,219 SH   SOLE   0 0 11,219
DANAHER CORPORATION COM 235851102 498 1,699 SH   SOLE   0 0 1,699
DBX ETF TR XTRCKR MSCI US 233051150 2,921 70,049 SH   SOLE   0 0 70,049
DISNEY WALT CO COM 254687106 436 3,137 SH   SOLE   0 0 3,137
EXXON MOBIL CORP COM 30231G102 1,354 16,483 SH   SOLE   0 0 16,483
FORD MTR CO DEL COM 345370860 171 10,035 SH   SOLE   0 0 10,035
FRANKLIN ETF TR SHRT DUR US GOVT 353506108 318 3,449 SH   SOLE   0 0 3,449
FRANKLIN RESOURCES INC COM 354613101 315 11,285 SH   SOLE   0 0 11,285
FRANKLIN TEMPLETON ETF TR US CORE DIV TILT 35473P306 1,255 34,545 SH   SOLE   0 0 34,545
FRANKLIN TEMPLETON ETF TR ULTRA SHORT BOND 35473P496 392 15,973 SH   SOLE   0 0 15,973
FRANKLIN TEMPLETON ETF TR HIGH YIELD CORP 35473P629 13,084 529,515 SH   SOLE   0 0 529,515
GOLDMAN SACHS GROUP INC COM 38141G104 1,782 5,392 SH   SOLE   0 0 5,392
HOME DEPOT INC COM 437076102 388 1,308 SH   SOLE   0 0 1,308
HONEYWELL INTL INC COM 438516106 547 2,809 SH   SOLE   0 0 2,809
INTEL CORP COM 458140100 230 4,675 SH   SOLE   0 0 4,675
INTERNATIONAL BUSINESS MACHS COM 459200101 734 5,644 SH   SOLE   0 0 5,644
ISHARES TR CORE S&P500 ETF 464287200 275 605 SH   SOLE   0 0 605
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837 11,429 227,347 SH   SOLE   0 0 227,347
JACOBS ENGR GROUP INC COM 469814107 676 4,885 SH   SOLE   0 0 4,885
JOHNSON & JOHNSON COM 478160104 519 2,939 SH   SOLE   0 0 2,939
JPMORGAN CHASE & CO COM 46625H100 1,217 8,976 SH   SOLE   0 0 8,976
LEGG MASON ETF INVT WESTN AST SHRT 52468L786 1,707 69,176 SH   SOLE   0 0 69,176
LILLY ELI & CO COM 532457108 361 1,267 SH   SOLE   0 0 1,267
LOCKHEED MARTIN CORP COM 539830109 464 1,047 SH   SOLE   0 0 1,047
LOWES COS INC COM 548661107 471 2,323 SH   SOLE   0 0 2,323
M & T BK CORP COM 55261F104 347 2,045 SH   SOLE   0 0 2,045
MASTERCARD INCORPORATED CL A 57636Q104 453 1,269 SH   SOLE   0 0 1,269
MCDONALDS CORP COM 580135101 276 1,132 SH   SOLE   0 0 1,132
MEDTRONIC PLC SHS G5960L103 247 2,207 SH   SOLE   0 0 2,207
MERCK & CO INC COM 58933Y105 308 3,784 SH   SOLE   0 0 3,784
META PLATFORMS INC CL A 30303M102 274 1,222 SH   SOLE   0 0 1,222
MICROSOFT CORP COM 594918104 4,104 13,308 SH   SOLE   0 0 13,308
MONDELEZ INTL INC CL A 609207105 309 4,906 SH   SOLE   0 0 4,906
NEXTERA ENERGY INC COM 65339F101 1,158 13,715 SH   SOLE   0 0 13,715
NIKE INC CL B 654106103 248 1,855 SH   SOLE   0 0 1,855
NVIDIA CORPORATION COM 67066G104 711 2,618 SH   SOLE   0 0 2,618
ORACLE CORP COM 68389X105 238 2,892 SH   SOLE   0 0 2,892
PAYPAL HLDGS INC COM 70450Y103 388 3,346 SH   SOLE   0 0 3,346
PEPSICO INC COM 713448108 337 2,017 SH   SOLE   0 0 2,017
PFIZER INC COM 717081103 320 6,157 SH   SOLE   0 0 6,157
PROCTER AND GAMBLE CO COM 742718109 335 2,213 SH   SOLE   0 0 2,213
QUALCOMM INC COM 747525103 406 2,649 SH   SOLE   0 0 2,649
RAYTHEON TECHNOLOGIES CORP COM 75513E101 1,139 11,529 SH   SOLE   0 0 11,529
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 448 5,107 SH   SOLE   0 0 5,107
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 476 6,395 SH   SOLE   0 0 6,395
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860 8,986 186,268 SH   SOLE   0 0 186,268
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 697 6,755 SH   SOLE   0 0 6,755
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509 246 6,334 SH   SOLE   0 0 6,334
SPDR SER TR BLOOMBERG HIGH Y 78468R622 425 4,136 SH   SOLE   0 0 4,136
SPDR SER TR PORTFLI HIGH YLD 78468R606 600 23,930 SH   SOLE   0 0 23,930
SPDR SER TR PORTFOLI S&P1500 78464A805 1,245 22,377 SH   SOLE   0 0 22,377
SPDR SER TR PORTFLI TIPS ETF 78464A656 15,340 506,673 SH   SOLE   0 0 506,673
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608 15,131 336,632 SH   SOLE   0 0 336,632
STARBUCKS CORP COM 855244109 211 2,322 SH   SOLE   0 0 2,322
TARGET CORP COM 87612E106 604 2,861 SH   SOLE   0 0 2,861
TEXAS INSTRS INC COM 882508104 278 1,508 SH   SOLE   0 0 1,508
THERMO FISHER SCIENTIFIC INC COM 883556102 275 467 SH   SOLE   0 0 467
UNION PAC CORP COM 907818108 289 1,050 SH   SOLE   0 0 1,050
UNITED PARCEL SERVICE INC CL B 911312106 284 1,319 SH   SOLE   0 0 1,319
UNITEDHEALTH GROUP INC COM 91324P102 1,106 2,118 SH   SOLE   0 0 2,118
VANGUARD INDEX FDS TOTAL STK MKT 922908769 52,875 232,257 SH   SOLE   0 0 232,257
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 17,700 174,725 SH   SOLE   0 0 174,725
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 7,610 165,039 SH   SOLE   0 0 165,039
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 6,311 38,922 SH   SOLE   0 0 38,922
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 266 5,551 SH   SOLE   0 0 5,551
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 231 2,070 SH   SOLE   0 0 2,070
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794 5,355 79,256 SH   SOLE   0 0 79,256
VERIZON COMMUNICATIONS INC COM 92343V104 249 4,917 SH   SOLE   0 0 4,917
VISA INC COM CL A 92826C839 618 2,788 SH   SOLE   0 0 2,788
WALMART INC COM 931142103 272 1,828 SH   SOLE   0 0 1,828
ZSCALER INC COM 98980G102 535 2,198 SH   SOLE   0 0 2,198