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

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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 266,338 1,213 SH   SOLE   1,213 0 0
APPLE INC COM 037833100 BBG001S5N8V8 261,329 1,025 SH   SOLE   1,025 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 384,596 765 SH   SOLE   765 0 0
BLACKSTONE INC COM 09260D107 BBG001S7H949 229,358 1,342 SH   SOLE   1,342 0 0
DIREXION SHS ETF TR DRX S&P500BULL 25459W862 BBG001T3NV87 7,016,509 33,079 SH   SOLE   33,079 0 0
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 BBG00HLJ4LS6 379,822 15,335 SH   SOLE   15,335 0 0
FRANKLIN TEMPLETON ETF TR INTELLIGENT MACH 35473P512 BBG00RRGQ0X0 655,008 7,504 SH   SOLE   7,504 0 0
INVESCO EXCHANGE TRADED FD T AI AND NEXT GEN 46137V639 BBG001SN6GV0 6,475,765 119,827 SH   SOLE   119,827 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 5,409,701 8,995 SH   SOLE   8,995 0 0
ISHARES SILVER TR ISHARES 46428Q109 BBG001SQLN69 5,610,845 132,425 SH   SOLE   132,425 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 10,530,792 243,207 SH   SOLE   243,207 0 0
ISHARES TR EXPANDED TECH 464287515 BBG001S7W2J1 4,296,533 37,358 SH   SOLE   37,358 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 7,131,099 27,796 SH   SOLE   27,796 0 0
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 1,053,751 19,760 SH   SOLE   19,760 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 12,889,502 133,486 SH   SOLE   133,486 0 0
ISHARES TR TRS FLT RT BD 46434V860 BBG005YTNMS3 3,345,503 66,130 SH   SOLE   66,130 0 0
ISHARES U S ETF TR SHORT DURATION B 46431W507 BBG0059KNK04 12,832,871 250,252 SH   SOLE   250,252 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 4,367,533 76,491 SH   SOLE   76,491 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAM LTD DUR 46654Q773 BBG01H5050G2 3,358,920 64,014 SH   SOLE   64,014 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 7,041,883 122,415 SH   SOLE   122,415 0 0
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761 BBG00J5DPW97 8,163,597 129,763 SH   SOLE   129,763 0 0
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845 BBG00XX898D2 16,610,631 327,117 SH   SOLE   327,117 0 0
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 203,545 1,010 SH   SOLE   1,010 0 0
NBT BANCORP INC COM 628778102 BBG001S6XCS0 1,399,879 33,522 SH   SOLE   33,522 0 0
PFIZER INC COM 717081103 BBG001S5V466 5,336,503 209,431 SH   SOLE   209,431 0 0
PIMCO ETF TR MULTISECTOR BD 72201R585 BBG01GZGT490 1,334,296 49,711 SH   SOLE   49,711 0 0
PROSHARES TR ULTRAPRO QQQ 74347X831 BBG001T6S396 335,419 3,238 SH   SOLE   3,238 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 45,406,717 1,766,114 SH   SOLE   1,766,114 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 264,332 9,683 SH   SOLE   9,683 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 24,578,180 770,222 SH   SOLE   770,222 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 12,038,337 33,866 SH   SOLE   33,866 0 0
SPDR SERIES TRUST GLB DOW ETF 78464A706 BBG001SG4257 12,256,589 75,758 SH   SOLE   75,758 0 0
SPDR SERIES TRUST S&P REGL BKG 78464A698 BBG001SMH2R6 5,968,157 94,269 SH   SOLE   94,269 0 0
TERAWULF INC COM 88080T104 BBG0122MC919 139,598 12,224 SH   SOLE   12,224 0 0
THE ALGER ETF TRUST AI ENABLERS ADOP 015564503 BBG01M13SFT7 1,058,729 28,232 SH   SOLE   28,232 0 0
TIDAL TRUST I FUNDSTRAT GRANNY 886364231 BBG01QNBFYF4 1,224,464 48,998 SH   SOLE   48,998 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 26,889,232 43,869 SH   SOLE   43,869 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 19,867,082 106,511 SH   SOLE   106,511 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 224,403 2,668 SH   SOLE   2,668 0 0
WHIRLPOOL CORP COM 963320106 BBG001S5XFS5 416,116 5,297 SH   SOLE   5,297 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422 BBG001T21LV9 5,528,558 125,056 SH   SOLE   125,056 0 0