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 255,130 1,225 SH   SOLE   1,225 0 0
APPLE INC COM 037833100 BBG001S5N8V8 219,399 865 SH   SOLE   865 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 366,588 765 SH   SOLE   765 0 0
BLACKROCK ETF TRUST II ISHARES FLEXIBLE 092528603 BBG01GQYLJY8 2,037,177 39,230 SH   SOLE   39,230 0 0
DIGI PWR X INC COM SUB VTG 25380B102 BBG00JHWN5W7 141,870 69,887 SH   SOLE   69,887 0 0
EA SERIES TRUST FREEDOM 100 EM 02072L607 BBG00P7KKMR2 2,176,449 39,825 SH   SOLE   39,825 0 0
FIRST TR EXCHANGE TRADED FD NASDQ SEMCNDTR 33738R811 BBG00DVWCNX6 1,117,391 7,577 SH   SOLE   7,577 0 0
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868 BBG00HLJ4LS6 480,206 19,372 SH   SOLE   19,372 0 0
FRANKLIN TEMPLETON ETF TR INTELLIGENT MACH 35473P512 BBG00RRGQ0X0 3,446,819 38,969 SH   SOLE   38,969 0 0
GLOBAL X FDS DEFENSE TECH ETF 37960A529 BBG01J6K2RX8 740,563 10,454 SH   SOLE   10,454 0 0
GRANITESHARES ETF TR 2X LONG NBIS DLY 38747R215 BBG01XMJK0M3 161,844 15,622 SH   SOLE   15,622 0 0
INVESCO EXCHANGE TRADED FD T SEMICONDUCTORS 46137V647 BBG001SN6GS4 1,610,811 17,067 SH   SOLE   17,067 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 4,836,803 8,363 SH   SOLE   8,363 0 0
ISHARES TR 1 3 YR TREAS BD 464287457 BBG001SKXPR1 13,324,571 161,373 SH   SOLE   161,373 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 320,629 1,336 SH   SOLE   1,336 0 0
ISHARES TR NEW YORK MUN ETF 464288323 BBG001T03XV5 1,144,117 21,542 SH   SOLE   21,542 0 0
J P MORGAN EXCHANGE TRADED F JPMORGAM LTD DUR 46654Q773 BBG01H5050G2 4,419,895 84,693 SH   SOLE   84,693 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 7,928,961 142,807 SH   SOLE   142,807 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 205,595 841 SH   SOLE   841 0 0
LAZARD ACTIVE ETF TR INTL DYNAMIC EQT 52110K400 BBG01TT439S2 5,534,681 174,319 SH   SOLE   174,319 0 0
NBT BANCORP INC COM 628778102 BBG001S6XCS0 1,427,367 33,522 SH   SOLE   33,522 0 0
PIMCO ETF TR MULTISECTOR BD 72201R585 BBG01GZGT490 20,494,071 782,213 SH   SOLE   782,213 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 9,612,287 396,056 SH   SOLE   396,056 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 39,741,054 1,583,312 SH   SOLE   1,583,312 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 4,160,497 142,824 SH   SOLE   142,824 0 0
SPDR GOLD TR GOLD SHS 78463V107 BBG001SCPX28 22,169,417 51,522 SH   SOLE   51,522 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A706 BBG001SG4257 21,190,779 124,976 SH   SOLE   124,976 0 0
SPDR SERIES TRUST STATE STREET SPD 78464A474 BBG001T6B0P2 9,610,299 319,598 SH   SOLE   319,598 0 0
SPDR SERIES TRUST STATE STREET SPD 78468R101 BBG0029J2KF1 7,368,041 252,503 SH   SOLE   252,503 0 0
T ROWE PRICE ETF INC ULTRA SHRT TRM 87283Q701 BBG011XYK057 17,647,884 354,730 SH   SOLE   354,730 0 0
TEMA ETF TRUST ELECTRIFICATION 87975E834 BBG01R3N5Z57 13,008,990 379,934 SH   SOLE   379,934 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 5,949,678 75,879 SH   SOLE   75,879 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 26,424,456 44,180 SH   SOLE   44,180 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 15,709,972 80,062 SH   SOLE   80,062 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 18,532,467 223,958 SH   SOLE   223,958 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 BBG001T62M74 7,999,184 136,645 SH   SOLE   136,645 0 0