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
ABBVIE INC COM COM 00287Y109 797 5,206 SH   SOLE NONE 5,206 0 0
ACCENTURE PLC IRELAND SHS CLASS A SHS CLASS A G1151C101 203 734 SH   SOLE NONE 734 0 0
AIR PRODS & CHEMS INC COM COM 009158106 262 1,092 SH   SOLE NONE 1,092 0 0
ALPHABET INC CAP STK CL A CAP STK CL A 02079K305 980 450 SH   SOLE NONE 450 0 0
ALPHABET INC CAP STK CL C CAP STK CL C 02079K107 1,456 665 SH   SOLE NONE 665 0 0
AMAZON COM INC COM COM 023135106 1,114 10,489 SH   SOLE NONE 10,489 0 0
AMER STATES WTR CO COM COM 029899101 244 3,000 SH   SOLE NONE 3,000 0 0
AMKOR TECHNOLOGY INC COM COM 031652100 220 13,000 SH   SOLE NONE 13,000 0 0
APPLE INC COM COM 037833100 7,137 52,203 SH   SOLE NONE 52,203 0 0
ASSURANT INC COM COM 04621X108 403 2,336 SH   SOLE NONE 2,336 0 0
ASTRAZENECA PLC SPONSORED ADR SPONSORED ADR 046353108 617 9,347 SH   SOLE NONE 9,347 0 0
AT&T INC COM COM 00206R102 1,561 74,506 SH   SOLE NONE 74,506 0 0
AUTOMATIC DATA PROCESSING INC COM COM 053015103 204 975 SH   SOLE NONE 975 0 0
BERKSHIRE HATHAWAY INC DEL CL A CL A 084670108 408 1 SH   SOLE NONE 1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW CL B NEW 084670702 716 2,623 SH   SOLE NONE 2,623 0 0
BLACKROCK CAP ALLOCATION TR COM COM 09260U109 37,951 2,590,513 SH   SOLE NONE 2,590,513 0 0
BLACKROCK INC COM COM 09247X101 456 749 SH   SOLE NONE 749 0 0
BLACKROCK INNOVATION AND GRW SHS BEN INT SHS BEN INT 09260Q108 880 110,877 SH   SOLE NONE 110,877 0 0
BLACKROCK MUN TARGET TERM TR COM SHS BEN IN COM SHS BEN IN 09257P105 3,879 175,155 SH   SOLE NONE 175,155 0 0
BLACKROCK SCIENCE & TECHNOLOGY SHS BEN INT SHS BEN INT 09260K101 14,036 716,516 SH   SOLE NONE 716,516 0 0
BLACKSTONE INC COM COM 09260D107 11,336 124,258 SH   SOLE NONE 124,258 0 0
BLACKSTONE MTG TR INC COM CL A COM CL A 09257W100 333 12,053 SH   SOLE NONE 12,053 0 0
BLACKSTONE SECD LENDING FD COMMON STOCK COMMON STOCK 09261X102 1,838 77,751 SH   SOLE NONE 77,751 0 0
CAZOO GROUP LTD COM COM G2007L105 13 18,575 SH   SOLE NONE 18,575 0 0
CHEVRON CORP NEW COM COM 166764100 591 4,084 SH   SOLE NONE 4,084 0 0
CHUBB LIMITED COM COM H1467J104 10,482 53,323 SH   SOLE NONE 53,323 0 0
CISCO SYS INC COM COM 17275R102 330 7,755 SH   SOLE NONE 7,755 0 0
CITIZENS FINL GROUP INC COM COM 174610105 418 11,732 SH   SOLE NONE 11,732 0 0
COCA COLA CO COM COM 191216100 352 5,599 SH   SOLE NONE 5,599 0 0
COMCAST CORP NEW CL A CL A 20030N101 4,182 106,576 SH   SOLE NONE 106,576 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDRA FUND COMMUNICATION 81369Y852 381 7,022 SH   SOLE NONE 7,022 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND SBI CONS DISCR 81369Y407 456 3,320 SH   SOLE NONE 3,320 0 0
CORTEVA INC COM COM 22052L104 429 7,930 SH   SOLE NONE 7,930 0 0
COSTCO WHSL CORP NEW COM COM 22160K105 312 652 SH   SOLE NONE 652 0 0
CVS HEALTH CORP COM COM 126650100 275 2,968 SH   SOLE NONE 2,968 0 0
DIAGEO PLC SPON ADR NEW SPON ADR NEW 25243Q205 468 2,688 SH   SOLE NONE 2,688 0 0
DISNEY WALT CO COM COM 254687106 587 6,225 SH   SOLE NONE 6,225 0 0
DOW INC COM COM 260557103 447 8,666 SH   SOLE NONE 8,666 0 0
DUPONT DE NEMOURS INC COM COM 26614N102 437 7,875 SH   SOLE NONE 7,875 0 0
EATON VANCE MUN INCOME 2028 TE SHS SHS 27829U105 344 16,643 SH   SOLE NONE 16,643 0 0
EATON VANCE TAX-MANAGED GLOBAL COM COM 27829F108 154 20,000 SH   SOLE NONE 20,000 0 0
ECOVYST INC COM COM 27923Q109 125 12,750 SH   SOLE NONE 12,750 0 0
ENERGY TRANSFER L P COM UT LTD PTN COM UT LTD PTN 29273V100 104 10,497 SH   SOLE NONE 10,497 0 0
EXXON MOBIL CORP COM COM 30231G102 803 9,379 SH   SOLE NONE 9,379 0 0
FERGUSON PLC NEW SHS SHS G3421J106 343 3,102 SH   SOLE NONE 3,102 0 0
FIDELITY MSCI FINANCIALS INDEX ETF MSCI FINLS IDX 316092501 384 8,612 SH   SOLE NONE 8,612 0 0
FIDELITY NATL INFORMATION SVCS COM COM 31620M106 508 5,543 SH   SOLE NONE 5,543 0 0
FINANCIAL SELECT SECTOR SPDR FUND FINANCIAL 81369Y605 468 14,896 SH   SOLE NONE 14,896 0 0
FORD MTR CO DEL COM COM 345370860 145 13,117 SH   SOLE NONE 13,117 0 0
GOLDMAN SACHS ACTIVEBETA INTERNATIONAL EQUITY ETF ACTIVEBETA INT 381430107 3,379 121,695 SH   SOLE NONE 121,695 0 0
GOLUB CAP BDC INC COM COM 38173M102 495 38,254 SH   SOLE NONE 38,254 0 0
HARTFORD MULTIFACTOR DEVELOPED MARKETS (EX-US) ETF HARTFORD MLT ETF 518416102 641 25,773 SH   SOLE NONE 25,773 0 0
HASBRO INC COM COM 418056107 414 5,060 SH   SOLE NONE 5,060 0 0
HEALTH CARE SELECT SECTOR SPDR FUND SBI HEALTHCARE 81369Y209 819 6,387 SH   SOLE NONE 6,387 0 0
HEPION PHARMACEUTICALS INC COM COM 426897104 5 10,000 SH   SOLE NONE 10,000 0 0
HOME DEPOT INC COM COM 437076102 444 1,620 SH   SOLE NONE 1,620 0 0
INTEL CORP COM COM 458140100 202 5,404 SH   SOLE NONE 5,404 0 0
INTERCONTINENTAL EXCHANGE INC COM COM 45866F104 429 4,566 SH   SOLE NONE 4,566 0 0
INTERNATIONAL BUSINESS MACHS COM COM 459200101 639 4,531 SH   SOLE NONE 4,531 0 0
INTUIT COM COM 461202103 464 1,206 SH   SOLE NONE 1,206 0 0
INVESCO DB AGRICULTURE FUND AGRICULTURE FD 46140H106 239 11,745 SH   SOLE NONE 11,745 0 0
INVESCO PREFERRED ETF PFD ETF 46138E511 185 15,000 SH   SOLE NONE 15,000 0 0
INVESCO QQQ TRUST UNIT SER 1 46090E103 32,157 114,732 SH   SOLE NONE 114,732 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF S&P500 EQL WGT 46137V357 30,668 228,475 SH   SOLE NONE 228,475 0 0
INVESCO S&P 500 LOW VOLATILITY ETF S&P500 LOW VOL 46138E354 4,412 71,175 SH   SOLE NONE 71,175 0 0
INVESCO S&P 500 REVENUE ETF S&P 500 REVENUE 46138G698 2,471 35,373 SH   SOLE NONE 35,373 0 0
ISHARES 0-5 YEAR TIPS BOND ETF 0-5 YR TIPS ETF 46429B747 15,753 155,315 SH   SOLE NONE 155,315 0 0
ISHARES 1-3 YEAR TREASURY BOND ETF 1 3 YR TREAS BD 464287457 8,264 99,819 SH   SOLE NONE 99,819 0 0
ISHARES CORE DIVIDEND GROWTH ETF CORE DIV GRWTH 46434V621 651 13,679 SH   SOLE NONE 13,679 0 0
ISHARES CORE HIGH DIVIDEND ETF CORE HIGH DV ETF 46429B663 878 8,746 SH   SOLE NONE 8,746 0 0
ISHARES CORE MSCI EAFE ETF CORE MSCI EAFE 46432F842 23,623 401,426 SH   SOLE NONE 401,426 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF CORE MSCI EMKT 46434G103 16,625 338,882 SH   SOLE NONE 338,882 0 0
ISHARES CORE MSCI TOTAL INTERNATIONAL STOCK ETF CORE MSCI TOTAL 46432F834 4,250 74,522 SH   SOLE NONE 74,522 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF CORE S&P TTL STK 464287150 3,731 44,536 SH   SOLE NONE 44,536 0 0
ISHARES CORE S&P U.S. GROWTH ETF CORE S&P US GWT 464287671 18,057 215,744 SH   SOLE NONE 215,744 0 0
ISHARES CORE S&P U.S. VALUE ETF CORE S&P US VLU 464287663 13,548 202,577 SH   SOLE NONE 202,577 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF CORE US AGGBD ET 464287226 12,166 119,652 SH   SOLE NONE 119,652 0 0
ISHARES GLOBAL 100 ETF GLOBAL 100 ETF 464287572 56,258 878,074 SH   SOLE NONE 878,074 0 0
ISHARES GOLD TRUST ISHARES NEW 464285204 23,073 672,507 SH   SOLE NONE 672,507 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF IBOXX INV CP ETF 464287242 8,039 73,067 SH   SOLE NONE 73,067 0 0
ISHARES MSCI ACWI INDEX FUND MSCI ACWI ETF 464288257 22,766 271,386 SH   SOLE NONE 271,386 0 0
ISHARES MSCI EAFE ETF MSCI EAFE ETF 464287465 946 15,145 SH   SOLE NONE 15,145 0 0
ISHARES MSCI EAFE MIN VOL FACTOR ETF MSCI EAFE MIN VL 46429B689 387 6,123 SH   SOLE NONE 6,123 0 0
ISHARES MSCI EAFE SMALL-CAP ETF EAFE SML CP ETF 464288273 364 6,679 SH   SOLE NONE 6,679 0 0
ISHARES MSCI INTL MOMENTUM FACTOR ETF MSCI INTL MOMENT 46434V449 382 12,766 SH   SOLE NONE 12,766 0 0
ISHARES MSCI USA MOMENTUM FACTOR ETF MSCI USA MMENTM 46432F396 366 2,690 SH   SOLE NONE 2,690 0 0
ISHARES MSCI USA QUALITY FACTOR ETF MSCI USA QLT FCT 46432F339 2,602 23,294 SH   SOLE NONE 23,294 0 0
ISHARES NATIONAL MUNI BOND ETF NATIONAL MUN ETF 464288414 3,585 33,707 SH   SOLE NONE 33,707 0 0
ISHARES PREFERRED AND INCOME SECURITIES ETF PFD AND INCM SEC 464288687 328 10,000 SH   SOLE NONE 10,000 0 0
ISHARES RUSSELL 1000 ETF RUS 1000 ETF 464287622 235 1,132 SH   SOLE NONE 1,132 0 0
ISHARES RUSSELL 1000 GROWTH ETF RUS 1000 GRW ETF 464287614 3,768 17,232 SH   SOLE NONE 17,232 0 0
ISHARES RUSSELL 1000 VALUE ETF RUS 1000 VAL ETF 464287598 1,020 7,039 SH   SOLE NONE 7,039 0 0
ISHARES RUSSELL 2000 ETF RUSSELL 2000 ETF 464287655 231 1,368 SH   SOLE NONE 1,368 0 0
ISHARES S&P 100 ETF S&P 100 ETF 464287101 16,607 96,290 SH   SOLE NONE 96,290 0 0
ISHARES S&P 500 GROWTH ETF S&P 500 GRWT ETF 464287309 290 4,816 SH   SOLE NONE 4,816 0 0
ISHARES S&P MID-CAP 400 VALUE ETF S&P MC 400VL ETF 464287705 219 2,327 SH   SOLE NONE 2,327 0 0
ISHARES S&P MIDCAP FUND CORE S&P MCP ETF 464287507 790 3,496 SH   SOLE NONE 3,496 0 0
ISHARES S&P SMALL-CAP FUND CORE S&P SCP ETF 464287804 1,854 20,065 SH   SOLE NONE 20,065 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF SHRT NAT MUN ETF 464288158 3,387 32,368 SH   SOLE NONE 32,368 0 0
ISHARES TIPS BOND ETF TIPS BD ETF 464287176 1,194 10,487 SH   SOLE NONE 10,487 0 0
ISHARES U.S. TECHNOLOGY ETF U.S. TECH ETF 464287721 568 7,114 SH   SOLE NONE 7,114 0 0
JOHN HANCOCK MULTIFACTOR LARGE CAP ETF MLTFCTR LRG CAP 47804J107 1,442 30,245 SH   SOLE NONE 30,245 0 0
JOHNSON & JOHNSON COM COM 478160104 1,954 11,013 SH   SOLE NONE 11,013 0 0
JPMORGAN CHASE & CO COM COM 46625H100 713 6,333 SH   SOLE NONE 6,333 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ULTRA SHRT INC 46641Q837 2,486 49,641 SH   SOLE NONE 49,641 0 0
JPMORGAN ULTRA-SHORT MUNICIPAL INCOME ETF ULTRA SHT MUNCPL 46641Q654 501 9,910 SH   SOLE NONE 9,910 0 0
LAUDER ESTEE COS INC CL A CL A 518439104 507 1,992 SH   SOLE NONE 1,992 0 0
LOCKHEED MARTIN CORP COM COM 539830109 316 736 SH   SOLE NONE 736 0 0
M & T BK CORP COM COM 55261F104 468 2,940 SH   SOLE NONE 2,940 0 0
MARSH & MCLENNAN COS INC COM COM 571748102 688 4,438 SH   SOLE NONE 4,438 0 0
MEDTRONIC PLC SHS SHS G5960L103 464 5,171 SH   SOLE NONE 5,171 0 0
META PLATFORMS INC CL A CL A 30303M102 476 2,956 SH   SOLE NONE 2,956 0 0
MICROSOFT CORP COM COM 594918104 3,222 12,547 SH   SOLE NONE 12,547 0 0
MORGAN STANLEY COM NEW COM NEW 617446448 311 4,097 SH   SOLE NONE 4,097 0 0
NOVO-NORDISK A S ADR ADR 670100205 618 5,551 SH   SOLE NONE 5,551 0 0
NVIDIA CORPORATION COM COM 67066G104 312 2,062 SH   SOLE NONE 2,062 0 0
OTIS WORLDWIDE CORP COM COM 68902V107 246 3,486 SH   SOLE NONE 3,486 0 0
PACER US CASH COWS 100 ETF US CASH COWS 100 69374H881 949 22,034 SH   SOLE NONE 22,034 0 0
PAYCHEX INC COM COM 704326107 200 1,760 SH   SOLE NONE 1,760 0 0
PFIZER INC COM COM 717081103 1,663 31,737 SH   SOLE NONE 31,737 0 0
PGIM ULTRA SHORT BOND ETF PGIM ULTRA SH BD 69344A107 352 7,189 SH   SOLE NONE 7,189 0 0
PHILIP MORRIS INTL INC COM COM 718172109 467 4,736 SH   SOLE NONE 4,736 0 0
PROCTER AND GAMBLE CO COM COM 742718109 419 2,917 SH   SOLE NONE 2,917 0 0
PRUDENTIAL PLC ADR ADR 74435K204 437 17,419 SH   SOLE NONE 17,419 0 0
RELX PLC SPONSORED ADR SPONSORED ADR 759530108 560 20,788 SH   SOLE NONE 20,788 0 0
SANOFI SPONSORED ADR SPONSORED ADR 80105N105 680 13,608 SH   SOLE NONE 13,608 0 0
SCHWAB EMERGING MARKETS EQUITY ETF EMRG MKTEQ ETF 808524706 216 8,546 SH   SOLE NONE 8,546 0 0
SIRIUS XM HOLDINGS INC COM COM 82968B103 229 37,476 SH   SOLE NONE 37,476 0 0
SKILLZ INC COM COM 83067L109 52 42,336 SH   SOLE NONE 42,336 0 0
SOCIETAL CDMO INC COM COM 75629F109 38 48,800 SH   SOLE NONE 48,800 0 0
SPDR DOW JONES INDUSTRIAL AVERAGE ETF UT SER 1 78467X109 32,541 105,717 SH   SOLE NONE 105,717 0 0
SPDR GOLD SHARES GOLD SHS 78463V107 4,943 29,342 SH   SOLE NONE 29,342 0 0
SPDR NUVEEN BLOOMBERG MUNICIPAL BOND ETF NUVEEN BLMBRG MU 78468R721 3,465 75,576 SH   SOLE NONE 75,576 0 0
SPDR S&P 400 MID CAP GROWTH ETF S&P 400 MDCP GRW 78464A821 219 3,594 SH   SOLE NONE 3,594 0 0
SPDR S&P 500 ETF TR UNIT 78462F103 4,178 11,076 SH   SOLE NONE 11,076 0 0
SPDR S&P BIOTECH ETF S&P BIOTECH 78464A870 222 3,000 SH   SOLE NONE 3,000 0 0
SPDR S&P DIVIDEND ETF S&P DIVID ETF 78464A763 221 1,865 SH   SOLE NONE 1,865 0 0
SYNCHRONY FINANCIAL COM COM 87165B103 256 9,303 SH   SOLE NONE 9,303 0 0
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS SPONSORED ADS 874039100 522 6,396 SH   SOLE NONE 6,396 0 0
TE CONNECTIVITY LTD SHS SHS H84989104 266 2,357 SH   SOLE NONE 2,357 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND TECHNOLOGY 81369Y803 326 2,567 SH   SOLE NONE 2,567 0 0
TELUS CORPORATION COM COM 87971M103 506 22,731 SH   SOLE NONE 22,731 0 0
TESLA INC COM COM 88160R101 339 504 SH   SOLE NONE 504 0 0
TEXAS INSTRS INC COM COM 882508104 335 2,185 SH   SOLE NONE 2,185 0 0
TRUIST FINL CORP COM COM 89832Q109 231 211,376 SH   SOLE NONE 211,376 0 0
UNITED PARCEL SERVICE INC CL B CL B 911312106 1,440 7,892 SH   SOLE NONE 7,892 0 0
UNITEDHEALTH GROUP INC COM COM 91324P102 926 1,802 SH   SOLE NONE 1,802 0 0
VANGUARD DIVIDEND APPRECIATION INDEX FUND DIV APP ETF 921908844 5,487 38,248 SH   SOLE NONE 38,248 0 0
VANGUARD FINANCIALS INDEX FUND FINANCIALS ETF 92204A405 214 2,772 SH   SOLE NONE 2,772 0 0
VANGUARD INDUSTRIALS INDEX FUND INDUSTRIAL ETF 92204A603 273 1,676 SH   SOLE NONE 1,676 0 0
VANGUARD MID-CAP VALUE INDEX FUND MCAP VL IDXVIP 922908512 1,412 10,902 SH   SOLE NONE 10,902 0 0
VANGUARD REAL ESTATE ETF REAL ESTATE ETF 922908553 261 2,870 SH   SOLE NONE 2,870 0 0
VANGUARD SHORT-TERM BOND INDEX FUND SHORT TRM BOND 921937827 215 2,805 SH   SOLE NONE 2,805 0 0
VANGUARD SMALL-CAP GROWTH INDEX FUND SML CP GRW ETF 922908595 11,649 59,125 SH   SOLE NONE 59,125 0 0
VANGUARD SMALL-CAP VALUE INDEX FUND SM CP VAL ETF 922908611 11,235 74,993 SH   SOLE NONE 74,993 0 0
VANGUARD TOTAL STOCK MARKET INDEX FUND TOTAL STK MKT 922908769 748 3,965 SH   SOLE NONE 3,965 0 0
VANGUARD VALUE INDEX FUND VALUE ETF 922908744 3,050 23,127 SH   SOLE NONE 23,127 0 0
VERIZON COMMUNICATIONS INC COM COM 92343V104 456 8,985 SH   SOLE NONE 8,985 0 0
VISA INC COM CL A COM CL A 92826C839 625 3,179 SH   SOLE NONE 3,179 0 0
VOYA FINANCIAL INC COM COM 929089100 1,657 1,656,462 SH   SOLE NONE 1,656,462 0 0
WALMART INC COM COM 931142103 224 1,845 SH   SOLE NONE 1,845 0 0
WARNER BROS DISCOVERY INC COM SER A COM SER A 934423104 229 17,069 SH   SOLE NONE 17,069 0 0
WISDOMTREE EMERGING MARKETS EX-STATE-OWNED ENTERPRISES FUND EM EX ST-OWNED 97717X578 1,809 63,090 SH   SOLE NONE 63,090 0 0
WISDOMTREE ENHANCED COMMODITY STRATEGY FUND ENHNCD CMMDTY ST 97717Y683 14,881 634,329 SH   SOLE NONE 634,329 0 0
WISDOMTREE FLOATING RATE TREASURY FUND FLOATNG RAT TREA 97717Y527 8,807 174,987 SH   SOLE NONE 174,987 0 0
WISDOMTREE INTERNATIONAL HEDGED QUALITY DIVIDEND GROWTH FUND ITL HDG QTLY DIV 97717X594 1,785 47,710 SH   SOLE NONE 47,710 0 0
WISDOMTREE U.S. LARGECAP DIVIDEND FUND US LARGECAP DIVD 97717W307 25,110 424,887 SH   SOLE NONE 424,887 0 0
WISDOMTREE U.S. QUALITY DIVIDEND GROWTH FUND US QTLY DIV GRT 97717X669 222 3,883 SH   SOLE NONE 3,883 0 0
WISDOMTREE U.S. SMALLCAP FUND US SMALLCAP FUND 97717W562 208 5,065 SH   SOLE NONE 5,065 0 0
WISDOMTREE U.S. TOTAL DIVIDEND FUND US TOTAL DIVIDND 97717W109 445 7,686 SH   SOLE NONE 7,686 0 0