ISHARES INC MSCI EMRG CHN 46434G764 4269501 41735 SH SOLE 0 0 41735 VANGUARD INDEX FDS SMALL CP ETF 922908751 7071869 23330 SH SOLE 0 0 23330 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 9032911 109291 SH SOLE 0 0 109291 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 8833533 123979 SH SOLE 0 0 123979 VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 212143 2272 SH SOLE 0 0 2272 VANGUARD INDEX FDS MID CAP ETF 922908629 7134271 88547 SH SOLE 0 0 88547 NVIDIA CORPORATION COM 67066G104 1002627 5011 SH SOLE 0 0 5011 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7065156 96242 SH SOLE 0 0 96242 ISHARES TR JPMORGAN USD EMG 464288281 3094637 32089 SH SOLE 0 0 32089 ISHARES GOLD TR ISHARES NEW 464285204 3601751 47699 SH SOLE 0 0 47699 ISHARES TR PFD AND INCM SEC 464288687 1968748 64570 SH SOLE 0 0 64570 VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 2104932 27973 SH SOLE 0 0 27973 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3849477 48709 SH SOLE 0 0 48709 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3763256 15904 SH SOLE 0 0 15904 APPLE INC COM 037833100 9122829 31528 SH SOLE 0 0 31528 FIRST TR EXCHANGE-TRADED ALP COM SHS 33734Y109 316777 2195 SH SOLE 0 0 2195 ISHARES TR TIPS BD ETF 464287176 769172 7029 SH SOLE 0 0 7029 UNITED PARCEL SVCS INC CL B 911312106 264339 2459 SH SOLE 0 0 2459 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1036592 12377 SH SOLE 0 0 12377 ISHARES TR CORE US AGGBD ET 464287226 567716 5736 SH SOLE 0 0 5736 LOEWS CORP COM 540424108 3927880 34696 SH SOLE 0 0 34696 ISHARES TR IBOXX INV CP ETF 464287242 1545609 14171 SH SOLE 0 0 14171 ISHARES TR NEW YORK MUN ETF 464288323 571527 10602 SH SOLE 0 0 10602 VANGUARD INDEX FDS TOTAL STK MKT 922908769 1370538 3704 SH SOLE 0 0 3704 VANGUARD INDEX FDS LARGE CAP ETF 922908637 19121104 55599 SH SOLE 0 0 55599 SPDR SERIES TRUST ST STR CONV ETF 78464A359 1723076 15981 SH SOLE 0 0 15981 VANGUARD WORLD FD ESG US STK ETF 921910733 12962912 98026 SH SOLE 0 0 98026 ISHARES TR CORE UNIVRSL USD 46434V613 1559101 33783 SH SOLE 0 0 33783 VANGUARD WORLD FD MATERIALS ETF 92204A801 1712012 7483 SH SOLE 0 0 7483 VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 1417781 18734 SH SOLE 0 0 18734 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 724850 7517 SH SOLE 0 0 7517 VANGUARD WORLD FD ESG INTL STK ETF 921910725 7878272 95680 SH SOLE 0 0 95680 VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 4675531 44974 SH SOLE 0 0 44974 ISHARES TR MSCI USA QLT FCT 46432F339 4196552 19125 SH SOLE 0 0 19125 VANGUARD WORLD FD ESG US CORP BD 921910691 975552 15544 SH SOLE 0 0 15544 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3124555 62205 SH SOLE 0 0 62205 SCHWAB STRATEGIC TR US TIPS ETF 808524870 459177 17327 SH SOLE 0 0 17327 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12748458 433179 SH SOLE 0 0 433179 ISHARES INC MSCI AGR PRO ETF 464286350 513261 11636 SH SOLE 0 0 11636 SPDR GOLD TR GOLD SHS 78463V107 322333 875 SH SOLE 0 0 875 AMAZON COM INC COM 023135106 2657014 11148 SH SOLE 0 0 11148 ISHARES INC JP MRG EM CRP BD 464286251 688972 15092 SH SOLE 0 0 15092 FIRST TR EXCHANGE-TRADED ALP COM SHS 33734K109 1190449 8511 SH SOLE 0 0 8511 FIRST TR EXCHANGE-TRADED ALP COM SHS 33735B108 261311 1786 SH SOLE 0 0 1786 MICROSOFT CORP COM 594918104 3684807 9878 SH SOLE 0 0 9878 M & T BK CORP COM 55261F104 769056 3231 SH SOLE 0 0 3231 PEPSICO INC COM 713448108 238614 1762 SH SOLE 0 0 1762 VANGUARD INDEX FDS GROWTH ETF 922908736 721655 8378 SH SOLE 0 0 8378 VANGUARD STAR FDS VG TL INTL STK F 921909768 344617 4031 SH SOLE 0 0 4031 WISDOMTREE TR US QTLY DIV GRT 97717X669 422252 4416 SH SOLE 0 0 4416 LUMENTUM HLDGS INC COM 55024U109 491668 573 SH SOLE 0 0 573 MARVELL TECHNOLOGY INC COM 573874104 296996 997 SH SOLE 0 0 997 ISHARES TR MSCI EAFE ETF 464287465 599984 5776 SH SOLE 0 0 5776 ISHARES TR CORE S&P MCP ETF 464287507 227895 2955 SH SOLE 0 0 2955 ISHARES TR ESG AWR MSCI USA 46435G425 895405 5471 SH SOLE 0 0 5471 J P MORGAN EXCHANGE TRADED F ACTIVE BOND ETF 46654Q716 1302957 24354 SH SOLE 0 0 24354 VANGUARD INDEX FDS VALUE ETF 922908744 426387 1957 SH SOLE 0 0 1957 ISHARES INC MSCI EQUAL WEITE 464286681 730433 6397 SH SOLE 0 0 6397 ALPHABET INC CAP STK CL C 02079K107 277009 784 SH SOLE 0 0 784 INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 214622 19799 SH SOLE 0 0 19799 VANGUARD MALVERN FDS CORE BD ETF 922020748 2267256 29356 SH SOLE 0 0 29356 ABBVIE INC COM 00287Y109 361022 1435 SH SOLE 0 0 1435 COSTCO WHOLESALE CORPORATION COM 22160K105 328798 351 SH SOLE 0 0 351 CISCO SYS INC COM 17275R102 236157 2011 SH SOLE 0 0 2011 VANGUARD WORLD FD INF TECH ETF 92204A702 498698 4173 SH SOLE 0 0 4173 SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 475752 2497 SH SOLE 0 0 2497 JOHNSON & JOHNSON COM 478160104 540231 2127 SH SOLE 0 0 2127 WISDOMTREE TR US QUALITY GROW 97717Y477 977923 14810 SH SOLE 0 0 14810 RESEARCH FRONTIERS INC COM 760911107 5360 10307 SH SOLE 0 0 10307 WISDOMTREE TR US VALUE FD 97717W547 350920 3450 SH SOLE 0 0 3450 BROADCOM INC COM 11135F101 289739 767 SH SOLE 0 0 767 UBER TECHNOLOGIES INC COM 90353T100 202337 2804 SH SOLE 0 0 2804 VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1086851 21488 SH SOLE 0 0 21488 ISHARES TR CORE S&P500 ETF 464287200 503191 672 SH SOLE 0 0 672 ISHARES TR CORE S&P SCP ETF 464287804 235745 1590 SH SOLE 0 0 1590 SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 650742 25499 SH SOLE 0 0 25499 ISHARES TR 10+ YR INVST GRD 464289511 237327 4743 SH SOLE 0 0 4743 ISHARES TR SELECT DIVID ETF 464287168 201982 1292 SH SOLE 0 0 1292 EXXON MOBIL CORP COM 30231G102 487027 3562 SH SOLE 0 0 3562 CHUBB LIMITED COM H1467J104 778775 2286 SH SOLE 0 0 2286 ISHARES TR ISHS 5-10YR INVT 464288638 229546 4317 SH SOLE 0 0 4317 ISHARES TR ESG AW MSCI EAFE 46435G516 679560 6610 SH SOLE 0 0 6610 CORNING INC COM 219350105 221027 865 SH SOLE 0 0 865