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
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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   483,538 4,393 SH   SOLE   0 0 4,393
ABBVIE INC COM 00287Y109   906,884 5,852 SH   SOLE   0 0 5,852
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   499,345 1,423 SH   SOLE   0 0 1,423
ADOBE INC COM 00724F101   825,098 1,383 SH   SOLE   0 0 1,383
ADVANCED MICRO DEVICES INC COM 007903107   571,361 3,876 SH   SOLE   0 0 3,876
ALLSTATE CORP COM 020002101   459,134 3,280 SH   SOLE   0 0 3,280
ALPHABET INC CAP STK CL C 02079K107   403,764 2,865 SH   SOLE   0 0 2,865
ALPHABET INC CAP STK CL A 02079K305   1,013,451 7,255 SH   SOLE   0 0 7,255
AMAZON COM INC COM 023135106   1,431,275 9,420 SH   SOLE   0 0 9,420
AMERIPRISE FINL INC COM 03076C106   1,402,029 3,691 SH   SOLE   0 0 3,691
AMGEN INC COM 031162100   233,874 812 SH   SOLE   0 0 812
APPLE INC COM 037833100   2,618,601 13,601 SH   SOLE   0 0 13,601
BALL CORP COM 058498106   270,171 4,697 SH   SOLE   0 0 4,697
BANK AMERICA CORP COM 060505104   577,744 17,159 SH   SOLE   0 0 17,159
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,537,205 4,310 SH   SOLE   0 0 4,310
BLACKROCK ETF TRUST II HIGH YLD MUNI IN 092528108   2,061,415 93,189 SH   SOLE   0 0 93,189
BLACKSTONE INC COM 09260D107   829,771 6,338 SH   SOLE   0 0 6,338
BOOKING HOLDINGS INC COM 09857L108   287,325 81 SH   SOLE   0 0 81
BRISTOL-MYERS SQUIBB CO COM 110122108   333,207 6,494 SH   SOLE   0 0 6,494
BROADCOM INC COM 11135F101   641,844 575 SH   SOLE   0 0 575
CHEVRON CORP NEW COM 166764100   435,398 2,919 SH   SOLE   0 0 2,919
CISCO SYS INC COM 17275R102   514,496 10,184 SH   SOLE   0 0 10,184
CITIGROUP INC COM NEW 172967424   253,291 4,924 SH   SOLE   0 0 4,924
COCA COLA CO COM 191216100   498,489 8,459 SH   SOLE   0 0 8,459
COLUMBIA ETF TR I DIVERSIFID FXD 19761L508   7,650,799 423,867 SH   SOLE   0 0 423,867
COMCAST CORP NEW CL A 20030N101   570,971 13,021 SH   SOLE   0 0 13,021
CONSTELLATION BRANDS INC CL A 21036P108   836,697 3,461 SH   SOLE   0 0 3,461
COSTCO WHSL CORP NEW COM 22160K105   1,135,339 1,720 SH   SOLE   0 0 1,720
CVS HEALTH CORP COM 126650100   820,998 10,398 SH   SOLE   0 0 10,398
DANAHER CORPORATION COM 235851102   515,426 2,228 SH   SOLE   0 0 2,228
DBX ETF TR XTRCKR MSCI US 233051150   3,327,158 75,207 SH   SOLE   0 0 75,207
DISNEY WALT CO COM 254687106   496,866 5,503 SH   SOLE   0 0 5,503
ELI LILLY & CO COM 532457108   818,420 1,404 SH   SOLE   0 0 1,404
EXXON MOBIL CORP COM 30231G102   1,505,186 15,055 SH   SOLE   0 0 15,055
FRANKLIN RESOURCES INC COM 354613101   240,852 8,085 SH   SOLE   0 0 8,085
FRANKLIN TEMPLETON ETF TR HIGH YIELD CORP 35473P629   13,870,647 591,751 SH   SOLE   0 0 591,751
GENERATIONS BANCORP NY INC COM 37149G108   410,619 40,495 SH   SOLE   0 0 40,495
GOLDMAN SACHS GROUP INC COM 38141G104   1,923,449 4,986 SH   SOLE   0 0 4,986
HOME DEPOT INC COM 437076102   609,928 1,760 SH   SOLE   0 0 1,760
HONEYWELL INTL INC COM 438516106   509,805 2,431 SH   SOLE   0 0 2,431
INTERNATIONAL BUSINESS MACHS COM 459200101   816,605 4,993 SH   SOLE   0 0 4,993
INTUIT COM 461202103   209,385 335 SH   SOLE   0 0 335
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449   9,872,390 112,750 SH   SOLE   0 0 112,750
ISHARES TR CORE S&P500 ETF 464287200   394,522 826 SH   SOLE   0 0 826
ISHARES TR CORE US AGGBD ET 464287226   27,779,083 279,890 SH   SOLE   0 0 279,890
ISHARES TR 7-10 YR TRSY BD 464287440   776,518 8,056 SH   SOLE   0 0 8,056
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   6,929,028 126,028 SH   SOLE   0 0 126,028
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   239,042 5,241 SH   SOLE   0 0 5,241
J P MORGAN EXCHANGE TRADED F HIGH YIELD MUNI 46654Q799   750,597 15,133 SH   SOLE   0 0 15,133
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   556,476 11,079 SH   SOLE   0 0 11,079
JACOBS SOLUTIONS INC COM 46982L108   476,626 3,672 SH   SOLE   0 0 3,672
JOHNSON & JOHNSON COM 478160104   729,781 4,656 SH   SOLE   0 0 4,656
JPMORGAN CHASE & CO COM 46625H100   1,747,231 10,272 SH   SOLE   0 0 10,272
LINDE PLC SHS G54950103   504,763 1,229 SH   SOLE   0 0 1,229
LOCKHEED MARTIN CORP COM 539830109   447,801 988 SH   SOLE   0 0 988
LOWES COS INC COM 548661107   323,365 1,453 SH   SOLE   0 0 1,453
M & T BK CORP COM 55261F104   280,329 2,045 SH   SOLE   0 0 2,045
MASTERCARD INCORPORATED CL A 57636Q104   1,134,090 2,659 SH   SOLE   0 0 2,659
MCDONALDS CORP COM 580135101   552,398 1,863 SH   SOLE   0 0 1,863
MERCK & CO INC COM 58933Y105   902,577 8,279 SH   SOLE   0 0 8,279
META PLATFORMS INC CL A 30303M102   611,643 1,728 SH   SOLE   0 0 1,728
MICROSOFT CORP COM 594918104   3,773,486 10,035 SH   SOLE   0 0 10,035
MONDELEZ INTL INC CL A 609207105   342,521 4,729 SH   SOLE   0 0 4,729
NETFLIX INC COM 64110L106   413,848 850 SH   SOLE   0 0 850
NEXTERA ENERGY INC COM 65339F101   1,036,893 17,071 SH   SOLE   0 0 17,071
NIKE INC CL B 654106103   444,920 4,098 SH   SOLE   0 0 4,098
NVIDIA CORPORATION COM 67066G104   1,042,933 2,106 SH   SOLE   0 0 2,106
ORACLE CORP COM 68389X105   565,737 5,366 SH   SOLE   0 0 5,366
PEPSICO INC COM 713448108   558,434 3,288 SH   SOLE   0 0 3,288
PFIZER INC COM 717081103   338,628 11,762 SH   SOLE   0 0 11,762
PHILIP MORRIS INTL INC COM 718172109   333,137 3,541 SH   SOLE   0 0 3,541
PROCTER AND GAMBLE CO COM 742718109   567,843 3,875 SH   SOLE   0 0 3,875
QUALCOMM INC COM 747525103   245,003 1,694 SH   SOLE   0 0 1,694
RTX CORPORATION COM 75513E101   1,094,746 13,011 SH   SOLE   0 0 13,011
SALESFORCE INC COM 79466L302   603,643 2,294 SH   SOLE   0 0 2,294
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,336,478 17,744 SH   SOLE   0 0 17,744
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   2,219,370 55,401 SH   SOLE   0 0 55,401
SELECT SECTOR SPDR TR INDL 81369Y704   592,292 5,196 SH   SOLE   0 0 5,196
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   341,561 3,993 SH   SOLE   0 0 3,993
SPDR SER TR PORTFLI TIPS ETF 78464A656   6,821,079 266,761 SH   SOLE   0 0 266,761
SPDR SER TR NUVEEN BLOOMBERG 78464A284   1,624,260 64,200 SH   SOLE   0 0 64,200
SPDR SER TR PORTFOLI S&P1500 78464A805   808,130 13,826 SH   SOLE   0 0 13,826
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   7,166,939 170,926 SH   SOLE   0 0 170,926
TARGET CORP COM 87612E106   265,913 1,867 SH   SOLE   0 0 1,867
TESLA INC COM 88160R101   432,355 1,740 SH   SOLE   0 0 1,740
TEXAS INSTRS INC COM 882508104   401,263 2,354 SH   SOLE   0 0 2,354
THERMO FISHER SCIENTIFIC INC COM 883556102   437,902 825 SH   SOLE   0 0 825
TRITIUM DCFC LIMITED ORDINARY SHARES Q9225T108   8,030 36,500 SH   SOLE   0 0 36,500
UNITEDHEALTH GROUP INC COM 91324P102   1,235,415 2,347 SH   SOLE   0 0 2,347
UPBOUND GROUP INC COM 76009N100   242,784 7,147 SH   SOLE   0 0 7,147
VANGUARD INDEX FDS TOTAL STK MKT 922908769   47,488,289 200,187 SH   SOLE   0 0 200,187
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   315,806 723 SH   SOLE   0 0 723
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   24,141,012 234,652 SH   SOLE   0 0 234,652
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,111,468 246,021 SH   SOLE   0 0 246,021
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   8,598,384 50,460 SH   SOLE   0 0 50,460
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   8,489,443 127,680 SH   SOLE   0 0 127,680
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   8,588,477 76,937 SH   SOLE   0 0 76,937
VERIZON COMMUNICATIONS INC COM 92343V104   422,371 11,203 SH   SOLE   0 0 11,203
VISA INC COM CL A 92826C839   1,200,474 4,611 SH   SOLE   0 0 4,611
WALMART INC COM 931142103   791,088 5,018 SH   SOLE   0 0 5,018
WELLS FARGO CO NEW COM 949746101   424,080 8,616 SH   SOLE   0 0 8,616
ZSCALER INC COM 98980G102   376,430 1,699 SH   SOLE   0 0 1,699