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   535,111 4,708 SH   SOLE   0 0 4,708
ABBVIE INC COM 00287Y109   1,104,254 6,064 SH   SOLE   0 0 6,064
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   526,847 1,520 SH   SOLE   0 0 1,520
ADOBE INC COM 00724F101   729,652 1,446 SH   SOLE   0 0 1,446
ADVANCED MICRO DEVICES INC COM 007903107   710,770 3,938 SH   SOLE   0 0 3,938
ALLSTATE CORP COM 020002101   538,580 3,113 SH   SOLE   0 0 3,113
ALPHABET INC CAP STK CL C 02079K107   436,225 2,865 SH   SOLE   0 0 2,865
ALPHABET INC CAP STK CL A 02079K305   1,018,627 6,749 SH   SOLE   0 0 6,749
AMAZON COM INC COM 023135106   1,777,825 9,856 SH   SOLE   0 0 9,856
AMERIPRISE FINL INC COM 03076C106   1,626,700 3,710 SH   SOLE   0 0 3,710
AMGEN INC COM 031162100   230,872 812 SH   SOLE   0 0 812
APPLE INC COM 037833100   2,544,867 14,841 SH   SOLE   0 0 14,841
APPLIED MATLS INC COM 038222105   274,905 1,333 SH   SOLE   0 0 1,333
BALL CORP COM 058498106   309,789 4,599 SH   SOLE   0 0 4,599
BANK AMERICA CORP COM 060505104   690,827 18,218 SH   SOLE   0 0 18,218
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   1,859,119 4,421 SH   SOLE   0 0 4,421
BLACKROCK ETF TRUST II HIGH YLD MUNI IN 092528108   3,823,617 170,317 SH   SOLE   0 0 170,317
BLACKROCK INC COM 09247X101   231,769 278 SH   SOLE   0 0 278
BLACKSTONE INC COM 09260D107   877,026 6,676 SH   SOLE   0 0 6,676
BOOKING HOLDINGS INC COM 09857L108   301,114 83 SH   SOLE   0 0 83
BRISTOL-MYERS SQUIBB CO COM 110122108   393,228 7,251 SH   SOLE   0 0 7,251
BROADCOM INC COM 11135F101   800,548 604 SH   SOLE   0 0 604
CHEVRON CORP NEW COM 166764100   492,464 3,122 SH   SOLE   0 0 3,122
CISCO SYS INC COM 17275R102   547,064 10,961 SH   SOLE   0 0 10,961
CITIGROUP INC COM NEW 172967424   287,679 4,549 SH   SOLE   0 0 4,549
COCA COLA CO COM 191216100   552,394 9,029 SH   SOLE   0 0 9,029
COLUMBIA ETF TR I DIVERSIFID FXD 19761L508   7,863,657 442,263 SH   SOLE   0 0 442,263
COMCAST CORP NEW CL A 20030N101   603,475 13,921 SH   SOLE   0 0 13,921
CONSTELLATION BRANDS INC CL A 21036P108   978,336 3,600 SH   SOLE   0 0 3,600
COSTCO WHSL CORP NEW COM 22160K105   1,296,757 1,770 SH   SOLE   0 0 1,770
CVS HEALTH CORP COM 126650100   874,464 10,964 SH   SOLE   0 0 10,964
DANAHER CORPORATION COM 235851102   626,547 2,509 SH   SOLE   0 0 2,509
DBX ETF TR XTRCKR MSCI US 233051150   3,684,329 74,642 SH   SOLE   0 0 74,642
DISNEY WALT CO COM 254687106   711,548 5,815 SH   SOLE   0 0 5,815
ELI LILLY & CO COM 532457108   1,119,484 1,439 SH   SOLE   0 0 1,439
EXXON MOBIL CORP COM 30231G102   1,847,533 15,894 SH   SOLE   0 0 15,894
FRANKLIN RESOURCES INC COM 354613101   227,269 8,085 SH   SOLE   0 0 8,085
FRANKLIN TEMPLETON ETF TR HIGH YIELD CORP 35473P629   14,752,873 621,697 SH   SOLE   0 0 621,697
GENERATIONS BANCORP NY INC COM 37149G108   753,082 75,233 SH   SOLE   0 0 75,233
GOLDMAN SACHS GROUP INC COM 38141G104   2,090,121 5,004 SH   SOLE   0 0 5,004
HOME DEPOT INC COM 437076102   731,909 1,908 SH   SOLE   0 0 1,908
HONEYWELL INTL INC COM 438516106   519,898 2,533 SH   SOLE   0 0 2,533
INTERNATIONAL BUSINESS MACHS COM 459200101   953,463 4,993 SH   SOLE   0 0 4,993
INTUIT COM 461202103   217,750 335 SH   SOLE   0 0 335
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449   11,210,874 118,146 SH   SOLE   0 0 118,146
ISHARES TR CORE US AGGBD ET 464287226   28,696,420 293,000 SH   SOLE   0 0 293,000
ISHARES TR CORE S&P500 ETF 464287200   398,503 758 SH   SOLE   0 0 758
ISHARES TR 7-10 YR TRSY BD 464287440   754,914 7,975 SH   SOLE   0 0 7,975
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   235,545 5,170 SH   SOLE   0 0 5,170
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   1,045,447 20,604 SH   SOLE   0 0 20,604
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   7,574,693 130,914 SH   SOLE   0 0 130,914
J P MORGAN EXCHANGE TRADED F HIGH YIELD MUNI 46654Q799   2,348,334 47,108 SH   SOLE   0 0 47,108
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   685,946 13,597 SH   SOLE   0 0 13,597
JACOBS SOLUTIONS INC COM 46982L108   556,349 3,619 SH   SOLE   0 0 3,619
JOHNSON & JOHNSON COM 478160104   792,690 5,011 SH   SOLE   0 0 5,011
JPMORGAN CHASE & CO COM 46625H100   2,133,026 10,649 SH   SOLE   0 0 10,649
LINDE PLC SHS G54950103   611,045 1,316 SH   SOLE   0 0 1,316
LOCKHEED MARTIN CORP COM 539830109   479,433 1,054 SH   SOLE   0 0 1,054
LOWES COS INC COM 548661107   357,386 1,403 SH   SOLE   0 0 1,403
M & T BK CORP COM 55261F104   297,425 2,045 SH   SOLE   0 0 2,045
MASTERCARD INCORPORATED CL A 57636Q104   1,319,983 2,741 SH   SOLE   0 0 2,741
MCDONALDS CORP COM 580135101   563,054 1,997 SH   SOLE   0 0 1,997
MERCK & CO INC COM 58933Y105   1,172,244 8,884 SH   SOLE   0 0 8,884
META PLATFORMS INC CL A 30303M102   873,073 1,798 SH   SOLE   0 0 1,798
MICRON TECHNOLOGY INC COM 595112103   334,458 2,837 SH   SOLE   0 0 2,837
MICROSOFT CORP COM 594918104   4,453,769 10,586 SH   SOLE   0 0 10,586
MONDELEZ INTL INC CL A 609207105   335,720 4,796 SH   SOLE   0 0 4,796
NETFLIX INC COM 64110L106   547,812 902 SH   SOLE   0 0 902
NEXTERA ENERGY INC COM 65339F101   1,144,692 17,911 SH   SOLE   0 0 17,911
NIKE INC CL B 654106103   418,211 4,450 SH   SOLE   0 0 4,450
NVIDIA CORPORATION COM 67066G104   1,778,206 1,968 SH   SOLE   0 0 1,968
ORACLE CORP COM 68389X105   699,020 5,565 SH   SOLE   0 0 5,565
PEPSICO INC COM 713448108   619,535 3,540 SH   SOLE   0 0 3,540
PFIZER INC COM 717081103   364,968 13,152 SH   SOLE   0 0 13,152
PHILIP MORRIS INTL INC COM 718172109   354,936 3,874 SH   SOLE   0 0 3,874
PROCTER AND GAMBLE CO COM 742718109   648,189 3,995 SH   SOLE   0 0 3,995
QUALCOMM INC COM 747525103   305,925 1,807 SH   SOLE   0 0 1,807
RTX CORPORATION COM 75513E101   1,327,481 13,611 SH   SOLE   0 0 13,611
SALESFORCE INC COM 79466L302   727,651 2,416 SH   SOLE   0 0 2,416
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   1,743,579 21,412 SH   SOLE   0 0 21,412
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   367,844 3,960 SH   SOLE   0 0 3,960
SELECT SECTOR SPDR TR INDL 81369Y704   649,198 5,154 SH   SOLE   0 0 5,154
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   2,336,940 59,118 SH   SOLE   0 0 59,118
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   741,451 11,294 SH   SOLE   0 0 11,294
SHERWIN WILLIAMS CO COM 824348106   283,769 817 SH   SOLE   0 0 817
SPDR SER TR PORTFOLI S&P1500 78464A805   882,640 13,759 SH   SOLE   0 0 13,759
SPDR SER TR PORTFLI TIPS ETF 78464A656   7,103,222 277,253 SH   SOLE   0 0 277,253
SPDR SER TR NUVEEN BLOOMBERG 78464A284   3,008,813 117,120 SH   SOLE   0 0 117,120
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   7,400,718 175,747 SH   SOLE   0 0 175,747
TARGET CORP COM 87612E106   326,986 1,845 SH   SOLE   0 0 1,845
TESLA INC COM 88160R101   339,978 1,934 SH   SOLE   0 0 1,934
TEXAS INSTRS INC COM 882508104   452,249 2,596 SH   SOLE   0 0 2,596
THERMO FISHER SCIENTIFIC INC COM 883556102   519,602 894 SH   SOLE   0 0 894
TRITIUM DCFC LIMITED ORDINARY SHARES Q9225T108   1,953 36,500 SH   SOLE   0 0 36,500
UNITEDHEALTH GROUP INC COM 91324P102   1,217,754 2,462 SH   SOLE   0 0 2,462
UPBOUND GROUP INC COM 76009N100   255,061 7,244 SH   SOLE   0 0 7,244
VANGUARD INDEX FDS TOTAL STK MKT 922908769   51,739,515 199,075 SH   SOLE   0 0 199,075
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   26,733,943 241,936 SH   SOLE   0 0 241,936
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   10,835,018 259,397 SH   SOLE   0 0 259,397
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   9,463,581 51,824 SH   SOLE   0 0 51,824
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   9,568,131 79,082 SH   SOLE   0 0 79,082
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   9,104,373 132,331 SH   SOLE   0 0 132,331
VERIZON COMMUNICATIONS INC COM 92343V104   504,144 12,015 SH   SOLE   0 0 12,015
VISA INC COM CL A 92826C839   1,363,864 4,887 SH   SOLE   0 0 4,887
WALMART INC COM 931142103   947,076 15,740 SH   SOLE   0 0 15,740
WELLS FARGO CO NEW COM 949746101   535,666 9,242 SH   SOLE   0 0 9,242
ZSCALER INC COM 98980G102   322,270 1,673 SH   SOLE   0 0 1,673