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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 226,869 1,522 SH   SOLE   0 0 1,522
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,285,564 10,113 SH   SOLE   0 0 10,113
APPLE INC COM 037833100 BBG001S5N8V8 11,277,455 65,869 SH   SOLE   0 0 65,869
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 1,062,954 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,065,613 3,042 SH   SOLE   0 0 3,042
DIGIMARC CORP NEW COM 25381B101 BBG001T2W3C6 2,279,402 70,157 SH   SOLE   0 0 70,157
EXTRA SPACE STORAGE INC COM 30225T102 BBG001SLSXK5 655,106 5,388 SH   SOLE   0 0 5,388
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824 BBG00DRFDQX0 385,688 7,931 SH   SOLE   0 0 7,931
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816 BBG00DRGLGV3 1,299,717 27,845 SH   SOLE   0 0 27,845
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 281,254 785 SH   SOLE   0 0 785
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 9,254,709 194,472 SH   SOLE   0 0 194,472
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 464,858 8,713 SH   SOLE   0 0 8,713
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 6,448,528 67,583 SH   SOLE   0 0 67,583
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,730,956 26,900 SH   SOLE   0 0 26,900
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 19,805,582 79,420 SH   SOLE   0 0 79,420
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 13,143,670 139,331 SH   SOLE   0 0 139,331
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 30,329,794 70,623 SH   SOLE   0 0 70,623
ISHARES TR GLB INFRASTR ETF 464288372 BBG001SYVWT6 223,585 5,164 SH   SOLE   0 0 5,164
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 905,742 12,513 SH   SOLE   0 0 12,513
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 5,739,963 41,082 SH   SOLE   0 0 41,082
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 281,327 1,806 SH   SOLE   0 0 1,806
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 696,480 4,000 SH   SOLE   0 0 4,000
LINDE PLC SHS G54950103 BBG01FND0CH6 1,344,115 3,609 SH   SOLE   0 0 3,609
M & T BK CORP COM 55261F104 BBG001S7S2B4 755,975 5,979 SH   SOLE   0 0 5,979
MICROSOFT CORP COM 594918104 BBG001S5TD05 590,271 1,868 SH   SOLE   0 0 1,868
MOOG INC CL A 615394202 BBG001S5T922 353,904 3,133 SH   SOLE   0 0 3,133
NUCOR CORP COM 670346105 BBG001S5TRV0 210,603 1,347 SH   SOLE   0 0 1,347
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 763,520 1,755 SH   SOLE   0 0 1,755
OBSIDIAN ENERGY LTD COM 674482203 BBG001S603F0 83,022 10,100 SH   SOLE   0 0 10,100
PPG INDS INC COM 693506107 BBG001S5VC13 311,520 2,400 SH   SOLE   0 0 2,400
SCHLUMBERGER LTD COM STK 806857108 BBG001S5W4C8 237,515 4,074 SH   SOLE   0 0 4,074
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 510,883 7,220 SH   SOLE   0 0 7,220
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 528,920 1,237 SH   SOLE   0 0 1,237
UNION PAC CORP COM 907818108 BBG001S5X2M0 664,088 3,261 SH   SOLE   0 0 3,261
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG001TC6MJ4 5,528,835 65,407 SH   SOLE   0 0 65,407
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 4,359,511 49,881 SH   SOLE   0 0 49,881
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 275,138 1,920 SH   SOLE   0 0 1,920
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 424,693 5,614 SH   SOLE   0 0 5,614
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 10,006,784 25,485 SH   SOLE   0 0 25,485
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 369,928 2,682 SH   SOLE   0 0 2,682
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 782,891 14,628 SH   SOLE   0 0 14,628
WHITE MTNS INS GROUP LTD COM G9618E107 BBG001SBLRT8 508,535 340 SH   SOLE   0 0 340