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
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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
CHUBB LIMITED COM H1467J104   691,066 2,288 SH   SOLE   0 0 2,288
AMAZON COM INC COM 023135106   2,030,835 10,674 SH   SOLE   0 0 10,674
APPLE INC COM 037833100   7,089,900 31,918 SH   SOLE   0 0 31,918
COMCAST CORP NEW CL A 20030N101   205,204 5,561 SH   SOLE   0 0 5,561
COSTCO WHSL CORP NEW COM 22160K105   493,444 522 SH   SOLE   0 0 522
EXXON MOBIL CORP COM 30231G102   421,278 3,542 SH   SOLE   0 0 3,542
FIRST TR LRGE CP CORE ALPHA COM SHS 33734K109   887,249 8,659 SH   SOLE   0 0 8,659
FORD MTR CO COM 345370860   131,056 13,066 SH   SOLE   0 0 13,066
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   140,179 12,494 SH   SOLE   0 0 12,494
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   218,571 8,192 SH   SOLE   0 0 8,192
ISHARES GOLD TR ISHARES NEW 464285204   2,889,217 49,003 SH   SOLE   0 0 49,003
ISHARES INC JP MRG EM CRP BD 464286251   733,059 16,225 SH   SOLE   0 0 16,225
ISHARES INC MSCI AGRICULTURE 464286350   407,653 10,992 SH   SOLE   0 0 10,992
ISHARES INC MSCI EQUAL WEITE 464286681   630,781 6,740 SH   SOLE   0 0 6,740
ISHARES TR TIPS BD ETF 464287176   773,227 6,960 SH   SOLE   0 0 6,960
ISHARES TR CORE S&P500 ETF 464287200   397,127 707 SH   SOLE   0 0 707
ISHARES TR CORE US AGGBD ET 464287226   937,969 9,482 SH   SOLE   0 0 9,482
ISHARES TR IBOXX INV CP ETF 464287242   3,145,535 28,940 SH   SOLE   0 0 28,940
ISHARES TR MSCI EAFE ETF 464287465   466,483 5,708 SH   SOLE   0 0 5,708
ISHARES TR JPMORGAN USD EMG 464288281   2,064,270 22,787 SH   SOLE   0 0 22,787
ISHARES TR NEW YORK MUN ETF 464288323   1,094,706 20,792 SH   SOLE   0 0 20,792
ISHARES TR ISHS 5-10YR INVT 464288638   221,034 4,209 SH   SOLE   0 0 4,209
ISHARES TR PFD AND INCM SEC 464288687   1,811,953 58,964 SH   SOLE   0 0 58,964
ISHARES TR MSCI USA QLT FCT 46432F339   3,304,583 19,337 SH   SOLE   0 0 19,337
ISHARES INC MSCI EMRG CHN 46434G764   2,170,818 39,405 SH   SOLE   0 0 39,405
ISHARES TR CORE TOTAL USD 46434V613   1,198,946 26,019 SH   SOLE   0 0 26,019
ISHARES TR ESG AWR MSCI USA 46435G425   692,730 5,682 SH   SOLE   0 0 5,682
ISHARES TR ESG AW MSCI EAFE 46435G516   522,903 6,401 SH   SOLE   0 0 6,401
JOHNSON & JOHNSON COM 478160104   210,657 1,270 SH   SOLE   0 0 1,270
LOEWS CORP COM 540424108   4,294,083 46,721 SH   SOLE   0 0 46,721
M & T BK CORP COM 55261F104   554,303 3,101 SH   SOLE   0 0 3,101
MICROSOFT CORP COM 594918104   3,178,215 8,466 SH   SOLE   0 0 8,466
MICROSTRATEGY INC CL A NEW 594972408   860,486 2,985 SH   SOLE   0 0 2,985
NVIDIA CORPORATION COM 67066G104   399,714 3,688 SH   SOLE   0 0 3,688
PEPSICO INC COM 713448108   224,497 1,497 SH   SOLE   0 0 1,497
SPDR GOLD TR GOLD SHS 78463V107   257,309 893 SH   SOLE   0 0 893
SPDR SER TR BBG CONV SEC ETF 78464A359   1,003,217 13,093 SH   SOLE   0 0 13,093
SPDR SER TR PORTFOLIO AGRGTE 78464A649   605,847 23,721 SH   SOLE   0 0 23,721
SALESFORCE INC COM 79466L302   387,642 1,444 SH   SOLE   0 0 1,444
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   9,812,697 444,416 SH   SOLE   0 0 444,416
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   292,784 1,418 SH   SOLE   0 0 1,418
SERVICENOW INC COM 81762P102   296,164 372 SH   SOLE   0 0 372
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   4,333,608 49,246 SH   SOLE   0 0 49,246
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,193,815 16,464 SH   SOLE   0 0 16,464
VANGUARD WORLD FD ESG US CORP BD 921910691   713,512 11,340 SH   SOLE   0 0 11,340
VANGUARD WORLD FD ESG INTL STK ETF 921910725   4,762,990 80,756 SH   SOLE   0 0 80,756
VANGUARD WORLD FD ESG US STK ETF 921910733   8,719,151 89,016 SH   SOLE   0 0 89,016
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   5,503,511 74,929 SH   SOLE   0 0 74,929
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,067,743 119,373 SH   SOLE   0 0 119,373
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,449,567 49,090 SH   SOLE   0 0 49,090
VANGUARD WORLD FD INF TECH ETF 92204A702   290,426 535 SH   SOLE   0 0 535
VANGUARD WORLD FD MATERIALS ETF 92204A801   1,261,474 6,681 SH   SOLE   0 0 6,681
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   719,108 11,855 SH   SOLE   0 0 11,855
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,357,725 42,535 SH   SOLE   0 0 42,535
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   1,907,120 25,123 SH   SOLE   0 0 25,123
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   6,296,433 77,011 SH   SOLE   0 0 77,011
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   960,321 19,354 SH   SOLE   0 0 19,354
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   575,273 6,354 SH   SOLE   0 0 6,354
VANGUARD INDEX FDS MID CAP ETF 922908629   6,056,198 23,417 SH   SOLE   0 0 23,417
VANGUARD INDEX FDS LARGE CAP ETF 922908637   14,688,240 57,146 SH   SOLE   0 0 57,146
VANGUARD INDEX FDS GROWTH ETF 922908736   492,734 1,329 SH   SOLE   0 0 1,329
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,473,028 24,681 SH   SOLE   0 0 24,681
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,039,808 3,783 SH   SOLE   0 0 3,783
WISDOMTREE TR US QUALITY GROW 97717Y477   331,462 7,550 SH   SOLE   0 0 7,550