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
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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
AMAZON COM INC COM 023135106 BBG001S5PQL7 230,548 1,193 SH   SOLE   1,193 0 0
APPLE INC COM 037833100 BBG001S5N8V8 269,141 1,278 SH   SOLE   1,278 0 0
EVANS BANCORP INC COM NEW 29911Q208 BBG001S6KMM8 1,035,516 36,838 SH   SOLE   36,838 0 0
INVESCO EXCHANGE TRADED FD T AI AND NEXT GEN 46137V639 BBG001SN6GV0 1,151,863 24,255 SH   SOLE   24,255 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 6,685,490 13,924 SH   SOLE   13,924 0 0
INVESTMENT MANAGERS SER TR I AXS ESOTERICA NE 46144X495 BBG01C29F557 202,707 2,913 SH   SOLE   2,913 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 16,855,271 164,107 SH   SOLE   164,107 0 0
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 16,423,906 178,927 SH   SOLE   178,927 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 653,736 6,123 SH   SOLE   6,123 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 21,499,081 200,691 SH   SOLE   200,691 0 0
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 3,094,740 68,029 SH   SOLE   68,029 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 350,160 1,797 SH   SOLE   1,797 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 1,753,502 21,616 SH   SOLE   21,616 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,047,301 5,155 SH   SOLE   5,155 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 5,907,119 104,210 SH   SOLE   104,210 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 3,532,553 63,647 SH   SOLE   63,647 0 0
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 211,447 1,003 SH   SOLE   1,003 0 0
PFIZER INC COM 717081103 BBG001S5V466 2,287,890 81,773 SH   SOLE   81,773 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 666,803 13,853 SH   SOLE   13,853 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 10,056,650 220,631 SH   SOLE   220,631 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 44,513,632 708,018 SH   SOLE   708,018 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 21,170,175 272,246 SH   SOLE   272,246 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 13,799,851 136,810 SH   SOLE   136,810 0 0
SPDR SER TR GLB DOW ETF 78464A706 BBG001SG4257 1,131,937 8,832 SH   SOLE   8,832 0 0
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 757,225 9,003 SH   SOLE   9,003 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 325,856 1,417 SH   SOLE   1,417 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 3,873,276 7,740 SH   SOLE   7,740 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 248,744 1,225 SH   SOLE   1,225 0 0
VICTORY PORTFOLIOS II VCSHS US LRG CAP 92647N865 BBG009K7JND7 2,215,104 36,278 SH   SOLE   36,278 0 0
WHIRLPOOL CORP COM 963320106 BBG001S5XFS5 590,975 5,765 SH   SOLE   5,765 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422 BBG001T21LV9 645,741 13,375 SH   SOLE   13,375 0 0