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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
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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
EA SERIES TRUST EA BRIDGEWAY OMN 02072L532   4,880,982 273,751 SH   SOLE   0 0 273,751
AMAZON COM INC COM 023135106   267,238 2,050 SH   SOLE   0 0 2,050
AMERICAN CENTY ETF TR US LARGE CAP VLU 025072349   423,861 7,945 SH   SOLE   0 0 7,944
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604   3,485,146 64,768 SH   SOLE   0 0 64,767
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   3,732,775 64,850 SH   SOLE   0 0 64,849
AMERICAN CENTY ETF TR US SML CP VALU 025072877   547,479 7,054 SH   SOLE   0 0 7,053
APPLE INC COM 037833100   1,889,272 9,740 SH   SOLE   0 0 9,740
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   449,918 14,518 SH   SOLE   0 0 14,516
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401   4,523,534 93,927 SH   SOLE   0 0 93,918
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500   3,198,986 58,376 SH   SOLE   0 0 58,363
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   15,071,669 324,890 SH   SOLE   0 0 324,865
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   25,566,242 941,666 SH   SOLE   0 0 941,642
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724   13,246,223 383,948 SH   SOLE   0 0 383,913
DIMENSIONAL ETF TRUST INTL HIGH PROFIT 25434V765   226,621 9,257 SH   SOLE   0 0 9,256
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   11,225,944 341,733 SH   SOLE   0 0 341,706
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   4,424,320 189,804 SH   SOLE   0 0 189,793
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   873,349 27,858 SH   SOLE   0 0 27,856
INVESCO QQQ TR UNIT SER 1 46090E103   507,953 1,375 SH   SOLE   0 0 1,375
ISHARES GOLD TR ISHARES NEW 464285204   240,647 6,613 SH   SOLE   0 0 6,613
ISHARES TR EAFE VALUE ETF 464288877   335,119 6,848 SH   SOLE   0 0 6,847
ISHARES TR MSCI USA MMENTM 46432F396   436,645 3,027 SH   SOLE   0 0 3,027
ISHARES TR MSCI INTL MOMENT 46434V449   795,704 23,967 SH   SOLE   0 0 23,967
M & T BK CORP COM 55261F104   484,908 3,918 SH   SOLE   0 0 3,918
MICROSOFT CORP COM 594918104   379,702 1,115 SH   SOLE   0 0 1,115
PIMCO NEW YORK MUN FD II COM 72200Y102   118,290 15,585 SH   SOLE   0 0 15,585
PIMCO NEW YORK MUN INCOME FD COM 72201E105   104,257 16,575 SH   SOLE   0 0 16,575
RYAN SPECIALTY HOLDINGS INC CL A 78351F107   1,499,191 33,397 SH   SOLE   0 0 33,397
SPDR S&P 500 ETF TR TR UNIT 78462F103   378,118 853 SH   SOLE   0 0 853
SCHWAB STRATEGIC TR SCHWB FDT INT SC 808524748   242,367 7,302 SH   SOLE   0 0 7,302
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   915,173 19,042 SH   SOLE   0 0 19,042
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   1,229,379 36,404 SH   SOLE   0 0 36,404
VANGUARD STAR FDS VG TL INTL STK F 921909768   217,366 3,876 SH   SOLE   0 0 3,876
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   432,469 1,702 SH   SOLE   0 0 1,701
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   567,001 14,108 SH   SOLE   0 0 14,108
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   586,537 10,160 SH   SOLE   0 0 10,160
VANGUARD INDEX FDS SML CP GRW ETF 922908595   3,519,594 15,320 SH   SOLE   0 0 15,319
VANGUARD INDEX FDS SM CP VAL ETF 922908611   462,382 2,796 SH   SOLE   0 0 2,795
VANGUARD INDEX FDS GROWTH ETF 922908736   4,116,785 14,549 SH   SOLE   0 0 14,549
VANGUARD INDEX FDS VALUE ETF 922908744   340,640 2,397 SH   SOLE   0 0 2,397
VANGUARD INDEX FDS TOTAL STK MKT 922908769   332,182 1,508 SH   SOLE   0 0 1,508