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
Estimated average burden
hours per response: 23.8
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
ALPHABET INC CAP STK CL A 02079K305   293,794 1,552 SH   SOLE   0 0 1,552
ALPHABET INC CAP STK CL C 02079K107   1,267,780 6,657 SH   SOLE   0 0 6,657
AMAZON COM INC COM 023135106   309,460 1,411 SH   SOLE   0 0 1,411
ANALOG DEVICES INC COM 032654105   244,555 1,151 SH   SOLE   0 0 1,151
APPLE INC COM 037833100   945,201 3,774 SH   SOLE   0 0 3,774
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   404,840 893 SH   SOLE   0 0 893
BLACKSTONE INC COM 09260D107   202,421 1,174 SH   SOLE   0 0 1,174
BROADCOM INC COM 11135F101   336,168 1,450 SH   SOLE   0 0 1,450
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   19,994,326 493,809 SH   SOLE   0 0 493,809
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   7,094,607 242,966 SH   SOLE   0 0 242,966
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   1,891,663 74,563 SH   SOLE   0 0 74,563
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,195,943 92,395 SH   SOLE   0 0 92,395
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   429,972 10,619 SH   SOLE   0 0 10,619
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   6,361,812 154,151 SH   SOLE   0 0 154,151
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   719,368 15,059 SH   SOLE   0 0 15,059
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   1,151,516 49,485 SH   SOLE   0 0 49,485
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   329,975 5,143 SH   SOLE   0 0 5,143
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575   893,102 17,070 SH   SOLE   0 0 17,070
EVANS BANCORP INC COM NEW 29911Q208   545,464 12,597 SH   SOLE   0 0 12,597
EXXON MOBIL CORP COM 30231G102   210,002 1,952 SH   SOLE   0 0 1,952
GLOBAL X FDS S&P 500 COVERED 37954Y475   499,280 11,916 SH   SOLE   0 0 11,916
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   1,628,868 89,400 SH   SOLE   0 0 89,400
GLOBAL X FDS US PFD ETF 37954Y657   2,143,876 109,886 SH   SOLE   0 0 109,886
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479   612,907 13,599 SH   SOLE   0 0 13,599
HOME DEPOT INC COM 437076102   341,549 878 SH   SOLE   0 0 878
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529   1,449,758 63,866 SH   SOLE   0 0 63,866
ISHARES TR MSCI EMG MKT ETF 464287234   209,225 5,003 SH   SOLE   0 0 5,003
ISHARES TR IBOXX INV CP ETF 464287242   2,518,185 23,570 SH   SOLE   0 0 23,570
ISHARES TR CORE US AGGBD ET 464287226   482,078 4,975 SH   SOLE   0 0 4,975
ISHARES TR TIPS BD ETF 464287176   828,959 7,780 SH   SOLE   0 0 7,780
ISHARES TR RUS 1000 ETF 464287622   1,243,215 3,859 SH   SOLE   0 0 3,859
ISHARES TR NEW YORK MUN ETF 464288323   2,684,284 50,437 SH   SOLE   0 0 50,437
ISHARES TR NATIONAL MUN ETF 464288414   1,344,661 12,620 SH   SOLE   0 0 12,620
ISHARES TR EAFE SML CP ETF 464288273   436,671 7,188 SH   SOLE   0 0 7,188
ISHARES TR CORE MSCI TOTAL 46432F834   1,301,767 19,682 SH   SOLE   0 0 19,682
ISHARES TR CORE DIV GRWTH 46434V621   264,253 4,308 SH   SOLE   0 0 4,308
ISHARES TR CORE HIGH DV ETF 46429B663   294,458 2,623 SH   SOLE   0 0 2,623
ISHARES TR ESG AWR MSCI USA 46435G425   257,511 1,999 SH   SOLE   0 0 1,999
ISHARES TR CORE INTL AGGR 46435G672   873,949 17,507 SH   SOLE   0 0 17,507
ISHARES TR 0-3 MNTH TREASRY 46436E718   364,362 3,632 SH   SOLE   0 0 3,632
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   1,322,802 52,264 SH   SOLE   0 0 52,264
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,347,122 23,416 SH   SOLE   0 0 23,416
M & T BK CORP COM 55261F104   339,373 1,805 SH   SOLE   0 0 1,805
MCDONALDS CORP COM 580135101   1,154,363 3,982 SH   SOLE   0 0 3,982
META PLATFORMS INC CL A 30303M102   243,641 416 SH   SOLE   0 0 416
MICROSOFT CORP COM 594918104   778,093 1,846 SH   SOLE   0 0 1,846
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   345,358 15,214 SH   SOLE   0 0 15,214
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,321,878 48,385 SH   SOLE   0 0 48,385
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   384,705 15,838 SH   SOLE   0 0 15,838
SPDR INDEX SHS FDS S&P INTL ETF 78463X772   221,961 6,349 SH   SOLE   0 0 6,349
SPDR SER TR PORTFLI TIPS ETF 78464A656   2,491,464 98,438 SH   SOLE   0 0 98,438
SPDR SER TR S&P 400 MDCP VAL 78464A839   200,099 2,495 SH   SOLE   0 0 2,495
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   1,258,813 29,897 SH   SOLE   0 0 29,897
TESLA INC COM 88160R101   200,062 495 SH   SOLE   0 0 495
UNITED AIRLS HLDGS INC COM 910047109   607,846 6,260 SH   SOLE   0 0 6,260
UNITED RENTALS INC COM 911363109   246,554 350 SH   SOLE   0 0 350
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   829,480 28,932 SH   SOLE   0 0 28,932
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,804,596 94,627 SH   SOLE   0 0 94,627
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,005,081 61,266 SH   SOLE   0 0 61,266
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   690,273 4,267 SH   SOLE   0 0 4,267
VANGUARD INDEX FDS VALUE ETF 922908744   752,738 4,446 SH   SOLE   0 0 4,446
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,285,568 36,883 SH   SOLE   0 0 36,883
VANGUARD INDEX FDS TOTAL STK MKT 922908769   374,724 1,293 SH   SOLE   0 0 1,293
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   911,499 20,697 SH   SOLE   0 0 20,697
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,842,278 36,750 SH   SOLE   0 0 36,750
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   6,555,748 24,579 SH   SOLE   0 0 24,579
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   695,580 4,810 SH   SOLE   0 0 4,810
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   704,860 9,310 SH   SOLE   0 0 9,310
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,180,463 6,028 SH   SOLE   0 0 6,028
VANGUARD STAR FDS VG TL INTL STK F 921909768   335,901 5,700 SH   SOLE   0 0 5,700
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,023,647 42,318 SH   SOLE   0 0 42,318
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   1,110,619 17,587 SH   SOLE   0 0 17,587
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   2,370,166 34,917 SH   SOLE   0 0 34,917
WISDOMTREE TR US MIDCAP FUND 97717W570   357,432 5,718 SH   SOLE   0 0 5,718
ZOMEDICA CORP COM 98980M109   1,920 16,000 SH   SOLE   0 0 16,000