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
ALPHABET INC CAP STK CL A 02079K305   238,455 1,542 SH   SOLE   0 0 1,542
ALPHABET INC CAP STK CL C 02079K107   1,038,947 6,650 SH   SOLE   0 0 6,650
AMAZON COM INC COM 023135106   267,229 1,405 SH   SOLE   0 0 1,405
ANALOG DEVICES INC COM 032654105   222,858 1,105 SH   SOLE   0 0 1,105
APPLE INC COM 037833100   838,549 3,775 SH   SOLE   0 0 3,775
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   467,144 877 SH   SOLE   0 0 877
BROADCOM INC COM 11135F101   242,774 1,450 SH   SOLE   0 0 1,450
CENCORA INC COM 03073E105   223,306 803 SH   SOLE   0 0 803
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   23,186,547 603,188 SH   SOLE   0 0 603,188
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   8,812,169 282,170 SH   SOLE   0 0 282,170
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   2,968,625 114,663 SH   SOLE   0 0 114,663
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,117,555 94,500 SH   SOLE   0 0 94,500
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   446,756 10,609 SH   SOLE   0 0 10,609
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   7,987,825 189,915 SH   SOLE   0 0 189,915
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   901,784 18,957 SH   SOLE   0 0 18,957
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   1,493,136 62,816 SH   SOLE   0 0 62,816
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   363,442 5,926 SH   SOLE   0 0 5,926
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575   1,039,096 19,887 SH   SOLE   0 0 19,887
EVANS BANCORP INC COM NEW 29911Q208   490,918 12,597 SH   SOLE   0 0 12,597
EXXON MOBIL CORP COM 30231G102   235,390 1,979 SH   SOLE   0 0 1,979
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   789,211 44,867 SH   SOLE   0 0 44,867
GLOBAL X FDS S&P 500 COVERED 37954Y475   472,379 11,962 SH   SOLE   0 0 11,962
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   1,683,721 101,246 SH   SOLE   0 0 101,246
GLOBAL X FDS US PFD ETF 37954Y657   2,289,122 120,227 SH   SOLE   0 0 120,227
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479   707,871 15,469 SH   SOLE   0 0 15,469
HOME DEPOT INC COM 437076102   321,794 878 SH   SOLE   0 0 878
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529   1,323,193 59,873 SH   SOLE   0 0 59,873
INVESCO QQQ TR UNIT SER 1 46090E103   288,855 616 SH   SOLE   0 0 616
ISHARES TR MSCI EMG MKT ETF 464287234   216,097 4,945 SH   SOLE   0 0 4,945
ISHARES TR IBOXX INV CP ETF 464287242   2,683,956 24,694 SH   SOLE   0 0 24,694
ISHARES TR CORE US AGGBD ET 464287226   375,599 3,797 SH   SOLE   0 0 3,797
ISHARES TR TIPS BD ETF 464287176   809,068 7,283 SH   SOLE   0 0 7,283
ISHARES TR RUS 1000 ETF 464287622   1,042,916 3,400 SH   SOLE   0 0 3,400
ISHARES TR NATIONAL MUN ETF 464288414   1,258,743 11,938 SH   SOLE   0 0 11,938
ISHARES TR EAFE SML CP ETF 464288273   312,885 4,925 SH   SOLE   0 0 4,925
ISHARES TR NEW YORK MUN ETF 464288323   2,732,739 51,904 SH   SOLE   0 0 51,904
ISHARES TR ESG AWR MSCI USA 46435G425   243,698 1,999 SH   SOLE   0 0 1,999
ISHARES TR 0-3 MNTH TREASRY 46436E718   365,633 3,632 SH   SOLE   0 0 3,632
ISHARES TR CORE INTL AGGR 46435G672   906,469 18,133 SH   SOLE   0 0 18,133
ISHARES TR CORE DIV GRWTH 46434V621   246,996 3,998 SH   SOLE   0 0 3,998
ISHARES TR CORE MSCI TOTAL 46432F834   1,267,052 18,150 SH   SOLE   0 0 18,150
ISHARES TR CORE HIGH DV ETF 46429B663   306,918 2,534 SH   SOLE   0 0 2,534
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   1,540,951 58,215 SH   SOLE   0 0 58,215
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,497,982 26,216 SH   SOLE   0 0 26,216
M & T BK CORP COM 55261F104   316,069 1,768 SH   SOLE   0 0 1,768
MCDONALDS CORP COM 580135101   1,243,880 3,982 SH   SOLE   0 0 3,982
META PLATFORMS INC CL A 30303M102   239,833 416 SH   SOLE   0 0 416
MICROSOFT CORP COM 594918104   693,095 1,846 SH   SOLE   0 0 1,846
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   393,733 15,838 SH   SOLE   0 0 15,838
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   365,328 15,774 SH   SOLE   0 0 15,774
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,523,149 54,476 SH   SOLE   0 0 54,476
SPDR SER TR PORTFLI HIGH YLD 78468R606   641,755 27,402 SH   SOLE   0 0 27,402
SPDR SER TR PORTFLI TIPS ETF 78464A656   2,458,747 93,205 SH   SOLE   0 0 93,205
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   1,101,550 25,558 SH   SOLE   0 0 25,558
UNITED AIRLS HLDGS INC COM 910047109   432,253 6,260 SH   SOLE   0 0 6,260
UNITED RENTALS INC COM 911363109   219,345 350 SH   SOLE   0 0 350
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   319,884 11,084 SH   SOLE   0 0 11,084
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   6,706,107 91,302 SH   SOLE   0 0 91,302
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,310,671 67,814 SH   SOLE   0 0 67,814
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   541,983 3,376 SH   SOLE   0 0 3,376
VANGUARD INDEX FDS VALUE ETF 922908744   643,487 3,725 SH   SOLE   0 0 3,725
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,577,176 39,509 SH   SOLE   0 0 39,509
VANGUARD INDEX FDS TOTAL STK MKT 922908769   307,271 1,118 SH   SOLE   0 0 1,118
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   678,134 14,983 SH   SOLE   0 0 14,983
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,671,896 33,694 SH   SOLE   0 0 33,694
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   715,008 9,310 SH   SOLE   0 0 9,310
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   6,156,648 24,252 SH   SOLE   0 0 24,252
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   541,415 4,068 SH   SOLE   0 0 4,068
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,356,960 6,995 SH   SOLE   0 0 6,995
VANGUARD STAR FDS VG TL INTL STK F 921909768   353,287 5,689 SH   SOLE   0 0 5,689
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,280,183 44,859 SH   SOLE   0 0 44,859
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   2,854,898 38,742 SH   SOLE   0 0 38,742
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   845,963 13,177 SH   SOLE   0 0 13,177
WISDOMTREE TR US MIDCAP FUND 97717W570   340,793 5,718 SH   SOLE   0 0 5,718