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   711,124 2,278 SH   SOLE   0 0 2,278
ALPHABET INC CAP STK CL C 02079K107   240,057 765 SH   SOLE   0 0 765
AMAZON COM INC COM 023135106   2,486,855 10,774 SH   SOLE   0 0 10,774
APPLE INC COM 037833100   8,141,298 29,947 SH   SOLE   0 0 29,947
COSTCO WHSL CORP NEW COM 22160K105   448,326 520 SH   SOLE   0 0 520
EXXON MOBIL CORP COM 30231G102   427,411 3,552 SH   SOLE   0 0 3,552
META PLATFORMS INC CL A 30303M102   214,889 326 SH   SOLE   0 0 326
FIRST TR EXCHANGE-TRADED ALP COM SHS 33734K109   1,008,958 8,506 SH   SOLE   0 0 8,506
FIRST TR EXCHANGE-TRADED ALP COM SHS 33734Y109   247,683 2,189 SH   SOLE   0 0 2,189
FIRST TR EXCHANGE-TRADED ALP COM SHS 33735B108   224,450 1,782 SH   SOLE   0 0 1,782
FORD MTR CO COM 345370860   176,403 13,445 SH   SOLE   0 0 13,445
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   218,450 19,435 SH   SOLE   0 0 19,435
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   228,734 8,409 SH   SOLE   0 0 8,409
ISHARES GOLD TR ISHARES NEW 464285204   4,083,744 50,311 SH   SOLE   0 0 50,311
ISHARES INC JP MRG EM CRP BD 464286251   732,269 15,964 SH   SOLE   0 0 15,964
ISHARES INC MSCI AGRICULTURE 464286350   429,045 11,124 SH   SOLE   0 0 11,124
ISHARES INC MSCI EQUAL WEITE 464286681   686,670 6,643 SH   SOLE   0 0 6,643
ISHARES TR TIPS BD ETF 464287176   782,412 7,119 SH   SOLE   0 0 7,119
ISHARES TR CORE S&P500 ETF 464287200   474,492 693 SH   SOLE   0 0 693
ISHARES TR CORE US AGGBD ET 464287226   782,249 7,832 SH   SOLE   0 0 7,832
ISHARES TR IBOXX INV CP ETF 464287242   2,926,142 26,555 SH   SOLE   0 0 26,555
ISHARES TR MSCI EAFE ETF 464287465   552,408 5,752 SH   SOLE   0 0 5,752
ISHARES TR JPMORGAN USD EMG 464288281   2,797,702 29,058 SH   SOLE   0 0 29,058
ISHARES TR NEW YORK MUN ETF 464288323   796,508 14,885 SH   SOLE   0 0 14,885
ISHARES TR ISHS 5-10YR INVT 464288638   227,981 4,231 SH   SOLE   0 0 4,231
ISHARES TR PFD AND INCM SEC 464288687   1,906,791 61,589 SH   SOLE   0 0 61,589
ISHARES TR 10+ YR INVST GRD 464289511   244,292 4,842 SH   SOLE   0 0 4,842
ISHARES TR MSCI USA QLT FCT 46432F339   3,944,353 19,859 SH   SOLE   0 0 19,859
ISHARES INC MSCI EMRG CHN 46434G764   2,971,418 40,884 SH   SOLE   0 0 40,884
ISHARES TR CORE UNIVRSL USD 46434V613   1,395,962 29,995 SH   SOLE   0 0 29,995
ISHARES TR ESG AWR MSCI USA 46435G425   846,815 5,684 SH   SOLE   0 0 5,684
ISHARES TR ESG AW MSCI EAFE 46435G516   628,264 6,607 SH   SOLE   0 0 6,607
J P MORGAN EXCHANGE TRADED F ACTIVE BOND ETF 46654Q716   295,385 5,463 SH   SOLE   0 0 5,463
JOHNSON & JOHNSON COM 478160104   260,552 1,259 SH   SOLE   0 0 1,259
LOEWS CORP COM 540424108   4,275,641 40,601 SH   SOLE   0 0 40,601
M & T BK CORP COM 55261F104   707,549 3,512 SH   SOLE   0 0 3,512
MICROSOFT CORP COM 594918104   4,309,904 8,912 SH   SOLE   0 0 8,912
NVIDIA CORPORATION COM 67066G104   870,472 4,667 SH   SOLE   0 0 4,667
PEPSICO INC COM 713448108   246,267 1,716 SH   SOLE   0 0 1,716
SPDR GOLD TR GOLD SHS 78463V107   346,771 875 SH   SOLE   0 0 875
SPDR SERIES TRUST STATE STREET SPD 78464A359   1,366,015 15,314 SH   SOLE   0 0 15,314
SPDR SERIES TRUST STATE STREET SPD 78464A649   653,407 25,375 SH   SOLE   0 0 25,375
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   11,636,001 432,404 SH   SOLE   0 0 432,404
SCHWAB STRATEGIC TR US TIPS ETF 808524870   444,476 16,779 SH   SOLE   0 0 16,779
SELECT SECTOR SPDR TR STATE STREET TEC 81369Y803   358,734 2,492 SH   SOLE   0 0 2,492
SERVICENOW INC COM 81762P102   284,933 1,860 SH   SOLE   0 0 1,860
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   4,945,681 47,757 SH   SOLE   0 0 47,757
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,655,997 16,635 SH   SOLE   0 0 16,635
VANGUARD STAR FDS VG TL INTL STK F 921909768   290,612 3,852 SH   SOLE   0 0 3,852
VANGUARD WORLD FD ESG US CORP BD 921910691   1,036,273 16,286 SH   SOLE   0 0 16,286
VANGUARD WORLD FD ESG INTL STK ETF 921910725   6,641,656 92,735 SH   SOLE   0 0 92,735
VANGUARD WORLD FD ESG US STK ETF 921910733   12,086,402 99,921 SH   SOLE   0 0 99,921
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,646,659 89,735 SH   SOLE   0 0 89,735
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   7,651,481 122,482 SH   SOLE   0 0 122,482
VANGUARD MALVERN FDS CORE BD ETF 922020748   1,686,024 21,645 SH   SOLE   0 0 21,645
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   2,930,466 59,249 SH   SOLE   0 0 59,249
VANGUARD WORLD FD INF TECH ETF 92204A702   444,770 590 SH   SOLE   0 0 590
VANGUARD WORLD FD MATERIALS ETF 92204A801   1,511,355 7,282 SH   SOLE   0 0 7,282
VANGUARD INSTL INDEX FD 0-3 MO TREAS BIL 922040845   1,793,175 23,773 SH   SOLE   0 0 23,773
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   899,556 12,229 SH   SOLE   0 0 12,229
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,790,874 47,546 SH   SOLE   0 0 47,546
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   2,130,327 28,086 SH   SOLE   0 0 28,086
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   7,808,482 93,236 SH   SOLE   0 0 93,236
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,125,816 22,386 SH   SOLE   0 0 22,386
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   604,336 6,829 SH   SOLE   0 0 6,829
VANGUARD INDEX FDS MID CAP ETF 922908629   6,732,940 23,199 SH   SOLE   0 0 23,199
VANGUARD INDEX FDS LARGE CAP ETF 922908637   17,224,898 54,717 SH   SOLE   0 0 54,717
VANGUARD INDEX FDS GROWTH ETF 922908736   689,849 1,414 SH   SOLE   0 0 1,414
VANGUARD INDEX FDS VALUE ETF 922908744   243,702 1,276 SH   SOLE   0 0 1,276
VANGUARD INDEX FDS SMALL CP ETF 922908751   6,322,812 24,512 SH   SOLE   0 0 24,512
VANGUARD INDEX FDS TOTAL STK MKT 922908769   1,306,666 3,897 SH   SOLE   0 0 3,897
WISDOMTREE TR WISDOMTREE US VA 97717W547   263,038 2,819 SH   SOLE   0 0 2,819
WISDOMTREE TR US QTLY DIV GRT 97717X669   361,353 4,041 SH   SOLE   0 0 4,041
WISDOMTREE TR US QUALITY GROW 97717Y477   695,014 11,846 SH   SOLE   0 0 11,846