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
AFLAC INC COM 001055102 233 3,994 SH   SOLE   3,994 0 0
ABBOTT LABS COM 002824100 6,441 45,764 SH   SOLE   45,763 0 0
ABBVIE INC COM 00287Y109 1,627 12,017 SH   SOLE   12,017 0 0
AIR PRODS & CHEMS INC COM 009158106 2,353 7,732 SH   SOLE   7,732 0 0
ALPHABET INC CAP STK CL C 02079K107 1,004 347 SH   SOLE   347 0 0
ALPHABET INC CAP STK CL A 02079K305 261 90 SH   SOLE   90 0 0
ALTRIA GROUP INC COM 02209S103 311 6,570 SH   SOLE   6,570 0 0
AMERICAN ELEC PWR CO INC COM 025537101 203 2,287 SH   SOLE   2,287 0 0
AMERICAN EXPRESS CO COM 025816109 818 5,000 SH   SOLE   5,000 0 0
AMERICAN TOWER CORP NEW COM 03027X100 2,750 9,403 SH   SOLE   9,403 0 0
AMERICAN WTR WKS CO INC NEW COM 030420103 1,457 7,717 SH   SOLE   7,717 0 0
AMERIPRISE FINL INC COM 03076C106 543 1,800 SH   SOLE   1,800 0 0
AMGEN INC COM 031162100 387 1,718 SH   SOLE   1,718 0 0
ANALOG DEVICES INC COM 032654105 2,856 16,249 SH   SOLE   16,249 0 0
APPLE INC COM 037833100 9,408 52,982 SH   SOLE   52,982 0 0
ASTRAZENECA PLC SPONSORED ADR 046353108 233 4,000 SH   SOLE   4,000 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103 2,226 9,028 SH   SOLE   9,027 0 0
BK OF AMERICA CORP COM 060505104 445 10,000 SH   SOLE   10,000 0 0
BECTON DICKINSON & CO COM 075887109 2,615 10,400 SH   SOLE   10,400 0 0
BERKSHIRE HATHAWAY INC DEL CL A 084670108 451 1 SH   SOLE   1 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 399 1,335 SH   SOLE   1,335 0 0
BLACKSTONE INC COM 09260D107 226 1,750 SH   SOLE   1,750 0 0
BOEING CO COM 097023105 231 1,145 SH   SOLE   1,145 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 201 3,217 SH   SOLE   3,217 0 0
BROADCOM INC COM 11135F101 307 462 SH   SOLE   462 0 0
CVS HEALTH CORP COM 126650100 3,119 30,234 SH   SOLE   30,234 0 0
CHURCH & DWIGHT CO INC COM 171340102 1,081 10,550 SH   SOLE   10,549 0 0
CISCO SYS INC COM 17275R102 4,147 65,434 SH   SOLE   65,433 0 0
CLOROX CO DEL COM 189054109 314 1,801 SH   SOLE   1,801 0 0
COCA COLA CO COM 191216100 3,537 59,745 SH   SOLE   59,744 0 0
COLGATE PALMOLIVE CO COM 194162103 3,568 41,814 SH   SOLE   41,813 0 0
CONSTELLATION BRANDS INC CL A 21036P108 2,949 11,752 SH   SOLE   11,751 0 0
COSTCO WHSL CORP NEW COM 22160K105 4,006 7,056 SH   SOLE   7,056 0 0
CROWN CASTLE INTL CORP NEW COM 22822V101 217 1,041 SH   SOLE   1,041 0 0
DISNEY WALT CO COM 254687106 223 1,440 SH   SOLE   1,440 0 0
DOMINION ENERGY INC COM 25746U109 333 4,244 SH   SOLE   4,244 0 0
DOW INC COM 260557103 245 4,313 SH   SOLE   4,313 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 1,420 13,540 SH   SOLE   13,540 0 0
ECOLAB INC COM 278865100 2,344 9,993 SH   SOLE   9,992 0 0
EMERSON ELEC CO COM 291011104 2,714 29,195 SH   SOLE   29,194 0 0
EMPIRE ST RLTY OP L P UNIT LTD PRTNSP 292102100 89 10,000 SH   SOLE   10,000 0 0
EVERSOURCE ENERGY COM 30040W108 2,379 26,147 SH   SOLE   26,147 0 0
EXXON MOBIL CORP COM 30231G102 718 11,734 SH   SOLE   11,734 0 0
META PLATFORMS INC CL A 30303M102 250 744 SH   SOLE   744 0 0
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118 674 10,730 SH   SOLE   10,730 0 0
FORD MTR CO DEL COM 345370860 332 16,000 SH   SOLE   16,000 0 0
GENERAL DYNAMICS CORP COM 369550108 3,868 18,555 SH   SOLE   18,555 0 0
GLAXOSMITHKLINE PLC SPONSORED ADR 37733W105 514 11,656 SH   SOLE   11,655 0 0
HOME DEPOT INC COM 437076102 2,724 6,563 SH   SOLE   6,563 0 0
ILLINOIS TOOL WKS INC COM 452308109 489 1,983 SH   SOLE   1,983 0 0
INTEL CORP COM 458140100 454 8,820 SH   SOLE   8,820 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 895 6,697 SH   SOLE   6,696 0 0
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 2,117 30,843 SH   SOLE   30,843 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2027 CB 46138J783 238 11,045 SH   SOLE   11,044 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2026 CB 46138J791 5,983 282,738 SH   SOLE   282,737 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2025 CB 46138J825 8,093 369,564 SH   SOLE   369,563 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2024 CB 46138J841 10,674 488,958 SH   SOLE   488,958 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 11,856 552,491 SH   SOLE   552,491 0 0
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 10,849 507,205 SH   SOLE   507,204 0 0
ISHARES GOLD TR ISHARES NEW 464285204 565 16,225 SH   SOLE   16,225 0 0
ISHARES TR CORE S&P500 ETF 464287200 221 464 SH   SOLE   464 0 0
ISHARES TR S&P 500 VAL ETF 464287408 214 1,364 SH   SOLE   1,364 0 0
ISHARES TR EAFE SML CP ETF 464288273 4,539 62,103 SH   SOLE   62,103 0 0
ISHARES TR JPMORGAN USD EMG 464288281 4,349 39,878 SH   SOLE   39,878 0 0
ISHARES TR INTL SEL DIV ETF 464288448 655 21,005 SH   SOLE   21,004 0 0
ISHARES TR US REGNL BKS ETF 464288778 3,776 61,141 SH   SOLE   61,140 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689 301 3,916 SH   SOLE   3,915 0 0
ISHARES TR MSCI USA MIN VOL 46429B697 520 6,431 SH   SOLE   6,430 0 0
ISHARES TR CORE MSCI EAFE 46432F842 14,230 190,652 SH   SOLE   190,652 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,833 70,709 SH   SOLE   70,709 0 0
ISHARES TR IBONDS DEC2022 46435G755 1,340 51,411 SH   SOLE   51,411 0 0
ISHARES TR IBONDS DEC 26 46435U259 262 9,750 SH   SOLE   9,750 0 0
ISHARES TR IBONDS DEC 25 46435U432 997 35,778 SH   SOLE   35,778 0 0
ISHARES TR IBONDS DEC 46435U697 1,596 59,517 SH   SOLE   59,517 0 0
JPMORGAN CHASE & CO COM 46625H100 3,423 21,618 SH   SOLE   21,617 0 0
JOHNSON & JOHNSON COM 478160104 4,310 25,197 SH   SOLE   25,196 0 0
KINDER MORGAN INC DEL COM 49456B101 5,690 358,747 SH   SOLE   358,747 0 0
KRANESHARES TR QUADRTC INT RT 500767736 10,179 379,101 SH   SOLE   379,100 0 0
LABORATORY CORP AMER HLDGS COM NEW 50540R409 466 1,482 SH   SOLE   1,482 0 0
LILLY ELI & CO COM 532457108 983 3,560 SH   SOLE   3,560 0 0
LOCKHEED MARTIN CORP COM 539830109 360 1,014 SH   SOLE   1,014 0 0
LOWES COS INC COM 548661107 586 2,269 SH   SOLE   2,268 0 0
M & T BK CORP COM 55261F104 2,410 15,692 SH   SOLE   15,692 0 0
MASTERCARD INCORPORATED CL A 57636Q104 1,037 2,886 SH   SOLE   2,886 0 0
MCCORMICK & CO INC COM NON VTG 579780206 236 2,441 SH   SOLE   2,440 0 0
MCDONALDS CORP COM 580135101 3,400 12,682 SH   SOLE   12,682 0 0
MERCK & CO INC COM 58933Y105 837 10,919 SH   SOLE   10,918 0 0
MICROSOFT CORP COM 594918104 5,391 16,029 SH   SOLE   16,028 0 0
MONDELEZ INTL INC CL A 609207105 307 4,631 SH   SOLE   4,631 0 0
NATIONAL FUEL GAS CO COM 636180101 362 5,659 SH   SOLE   5,659 0 0
NEWMONT CORP COM 651639106 229 3,700 SH   SOLE   3,700 0 0
NEXTERA ENERGY INC COM 65339F101 260 2,788 SH   SOLE   2,788 0 0
NIKE INC CL B 654106103 480 2,879 SH   SOLE   2,879 0 0
NORFOLK SOUTHN CORP COM 655844108 1,038 3,485 SH   SOLE   3,485 0 0
NOVARTIS AG SPONSORED ADR 66987V109 732 8,372 SH   SOLE   8,372 0 0
ORACLE CORP COM 68389X105 378 4,338 SH   SOLE   4,338 0 0
PACKAGING CORP AMER COM 695156109 250 1,833 SH   SOLE   1,833 0 0
PAYCHEX INC COM 704326107 681 4,988 SH   SOLE   4,988 0 0
PAYPAL HLDGS INC COM 70450Y103 383 2,033 SH   SOLE   2,033 0 0
PEPSICO INC COM 713448108 7,837 45,113 SH   SOLE   45,113 0 0
PFIZER INC COM 717081103 1,931 32,700 SH   SOLE   32,700 0 0
PROCTER AND GAMBLE CO COM 742718109 2,027 12,389 SH   SOLE   12,388 0 0
PROSHARES TR SHORT QQQ NEW 74347B714 217 20,000 SH   SOLE   20,000 0 0
RAYTHEON TECHNOLOGIES CORP COM 75513E101 2,698 31,354 SH   SOLE   31,354 0 0
REALTY INCOME CORP COM 756109104 549 7,670 SH   SOLE   7,670 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 787 1,657 SH   SOLE   1,657 0 0
SPDR GOLD TR GOLD SHS 78463V107 20,070 117,394 SH   SOLE   117,394 0 0
SEALED AIR CORP NEW COM 81211K100 304 4,500 SH   SOLE   4,500 0 0
STAG INDL INC COM 85254J102 291 6,073 SH   SOLE   6,073 0 0
STARBUCKS CORP COM 855244109 432 3,695 SH   SOLE   3,695 0 0
STRYKER CORPORATION COM 863667101 2,593 9,697 SH   SOLE   9,697 0 0
SYSCO CORP COM 871829107 460 5,854 SH   SOLE   5,854 0 0
TEXAS INSTRS INC COM 882508104 1,935 10,265 SH   SOLE   10,264 0 0
THOMSON REUTERS CORP. COM NEW 884903709 203 1,700 SH   SOLE   1,700 0 0
TRAVELERS COMPANIES INC COM 89417E109 438 2,800 SH   SOLE   2,800 0 0
UNITED PARCEL SERVICE INC CL B 911312106 3,226 15,050 SH   SOLE   15,050 0 0
UNITEDHEALTH GROUP INC COM 91324P102 2,382 4,743 SH   SOLE   4,743 0 0
VANECK ETF TRUST GOLD MINERS ETF 92189F106 211 6,600 SH   SOLE   6,600 0 0
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 1,726 15,397 SH   SOLE   15,397 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 2,570 47,631 SH   SOLE   47,630 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 4,345 37,455 SH   SOLE   37,455 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 6,482 25,441 SH   SOLE   25,441 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 7,158 137,753 SH   SOLE   137,752 0 0
VISA INC COM CL A 92826C839 3,008 13,879 SH   SOLE   13,879 0 0
WALMART INC COM 931142103 4,138 28,598 SH   SOLE   28,597 0 0
WISDOMTREE TR EMER MKT HIGH FD 97717W315 335 7,741 SH   SOLE   7,741 0 0
WOODWARD INC COM 980745103 1,341 12,250 SH   SOLE   12,250 0 0
XYLEM INC COM 98419M100 1,967 16,402 SH   SOLE   16,402 0 0
YUM BRANDS INC COM 988498101 394 2,840 SH   SOLE   2,840 0 0
YUM CHINA HLDGS INC COM 98850P109 275 5,523 SH   SOLE   5,523 0 0
MEDTRONIC PLC SHS G5960L103 320 3,092 SH   SOLE   3,092 0 0
CHUBB LIMITED COM H1467J104 2,703 13,981 SH   SOLE   13,981 0 0