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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
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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 266,122 1,213 SH   SOLE   1,213 0 0
APPLE INC COM 037833100 BBG001S5N8V8 212,508 1,034 SH   SOLE   1,034 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 371,615 765 SH   SOLE   765 0 0
BLACKSTONE INC COM 09260D107 BBG001S7H949 200,424 1,340 SH   SOLE   1,340 0 0
DIREXION SHS ETF TR DRX S&P500BULL 25459W862 BBG001T3NV87 5,907,855 34,021 SH   SOLE   34,021 0 0
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 BBG00HLJ4LS6 275,379 11,352 SH   SOLE   11,352 0 0
INVESCO EXCHANGE TRADED FD T AI AND NEXT GEN 46137V639 BBG001SN6GV0 7,247,648 147,451 SH   SOLE   147,451 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 5,000,891 9,048 SH   SOLE   9,048 0 0
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 3,576,998 109,022 SH   SOLE   109,022 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 10,431,424 241,812 SH   SOLE   241,812 0 0
ISHARES TR EXPANDED TECH 464287515 BBG001S7W2J1 3,814,298 34,833 SH   SOLE   34,833 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 1,802,207 7,497 SH   SOLE   7,497 0 0
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 1,026,661 19,692 SH   SOLE   19,692 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 14,886,898 161,855 SH   SOLE   161,855 0 0
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 4,273,231 84,368 SH   SOLE   84,368 0 0
ISHARES U S ETF TR SHORT DURATION B 46431W507 BBG0059KNK04 13,762,490 269,323 SH   SOLE   269,323 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 4,727,948 83,172 SH   SOLE   83,172 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAM LTD DUR 46654Q773 BBG01H5050G2 3,193,207 61,139 SH   SOLE   61,139 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 6,632,939 121,932 SH   SOLE   121,932 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 7,909,005 131,699 SH   SOLE   131,699 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 20,657,161 407,042 SH   SOLE   407,042 0 0
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 220,826 1,010 SH   SOLE   1,010 0 0
NBT BANCORP INC COM 628778102 BBG001S6XCS0 1,392,839 33,522 SH   SOLE   33,522 0 0
PFIZER INC COM 717081103 BBG001S5V466 5,145,978 212,296 SH   SOLE   212,296 0 0
PROSHARES TR ULTRAPRO QQQ 74347X831 BBG001T6S396 236,170 2,843 SH   SOLE   2,843 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 42,184,364 1,770,217 SH   SOLE   1,770,217 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 323,810 12,219 SH   SOLE   12,219 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 22,629,685 774,708 SH   SOLE   774,708 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 8,302,051 27,235 SH   SOLE   27,235 0 0
SPDR SERIES TRUST GLB DOW ETF 78464A706 BBG001SG4257 11,383,046 75,548 SH   SOLE   75,548 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698 BBG001SMH2R6 5,938,795 99,977 SH   SOLE   99,977 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 24,677,040 43,412 SH   SOLE   43,412 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 20,227,363 114,431 SH   SOLE   114,431 0 0
WHIRLPOOL CORP COM 963320106 BBG001S5XFS5 593,681 5,854 SH   SOLE   5,854 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422 BBG001T21LV9 6,609,083 139,201 SH   SOLE   139,201 0 0