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 C 02079K107   847 7,000 SH   SOLE   0 0 7,000
ALPHABET INC CAP STK CL A 02079K305   812 6,780 SH   SOLE   0 0 6,780
AMAZON COM INC COM 023135106   4,562 3,500 SH   SOLE   0 0 3,500
AMGEN INC COM 031162100   681 3,068 SH   SOLE   0 0 3,068
APPLE INC COM 037833100   1,018 5,250 SH   SOLE   0 0 5,250
AUTOMATIC DATA PROCESSING IN COM 053015103   727 3,309 SH   SOLE   0 0 3,309
BANK AMERICA CORP COM 060505104   476 16,581 SH   SOLE   0 0 16,581
BERKSHIRE HATHAWAY INC DEL CL A 084670108   1,553 3 SH   SOLE   0 0 3
BP PLC SPONSORED ADR 055622104   423 12,000 SH   SOLE   0 0 12,000
BROADCOM INC COM 11135F101   396 457 SH   SOLE   0 0 457
COCA COLA CO COM 191216100   211 3,505 SH   SOLE   0 0 3,505
EATON VANCE FLTING RATE INC COM 278279104   152 13,000 SH   SOLE   0 0 13,000
FIRST TR EXCHANGE-TRADED FD SENIOR LN FD 33738D309   6,449 142,360 SH   SOLE   0 0 142,360
FORD MTR CO DEL COM 345370860   757 50,000 SH   SOLE   0 0 50,000
GENERAL DYNAMICS CORP COM 369550108   212 985 SH   SOLE   0 0 985
INVESCO EXCH TRADED FD TR II SR LN ETF 46138G508   6,467 307,390 SH   SOLE   0 0 307,390
INVESCO QQQ TR UNIT SER 1 46090E103   1,675 4,535 SH   SOLE   0 0 4,535
INVESCO SR INCOME TR COM 46131H107   116 30,000 SH   SOLE   0 0 30,000
ISHARES INC MSCI EMRG CHN 46434G764   466 8,971 SH   SOLE   0 0 8,971
ISHARES TR SELECT DIVID ETF 464287168   1,164 10,273 SH   SOLE   0 0 10,273
ISHARES TR IBOXX HI YD ETF 464288513   3,526 46,975 SH   SOLE   0 0 46,975
ISHARES TR PFD AND INCM SEC 464288687   650 21,000 SH   SOLE   0 0 21,000
ISHARES TR ISHS 1-5YR INVS 464288646   31,105 620,000 SH   SOLE   0 0 620,000
ISHARES TR IBOXX INV CP ETF 464287242   8,867 82,000 SH   SOLE   0 0 82,000
ISHARES TR CORE US AGGBD ET 464287226   14,844 151,545 SH   SOLE   0 0 151,545
ISHARES TR CORE S&P500 ETF 464287200   8,593 19,280 SH   SOLE   0 0 19,280
ISHARES TR RUSSELL 2000 ETF 464287655   333 1,776 SH   SOLE   0 0 1,776
ISHARES TR CORE S&P MCP ETF 464287507   1,861 7,118 SH   SOLE   0 0 7,118
ISHARES TR MSCI EAFE ETF 464287465   285 3,930 SH   SOLE   0 0 3,930
ISHARES TR CORE S&P TTL STK 464287150   405 4,143 SH   SOLE   0 0 4,143
ISHARES TR ESG AWR MSCI USA 46435G425   3,314 34,000 SH   SOLE   0 0 34,000
ISHARES TR CORE S&P SCP ETF 464287804   552 5,541 SH   SOLE   0 0 5,541
ISHARES TR RUSSELL 3000 ETF 464287689   672 2,641 SH   SOLE   0 0 2,641
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   3,968 79,600 SH   SOLE   0 0 79,600
JOHNSON & JOHNSON COM 478160104   662 3,998 SH   SOLE   0 0 3,998
M & T BK CORP COM 55261F104   612 4,943 SH   SOLE   0 0 4,943
MARATHON PETE CORP COM 56585A102   292 2,502 SH   SOLE   0 0 2,502
MICROSOFT CORP COM 594918104   1,022 3,000 SH   SOLE   0 0 3,000
NI HLDGS INC COM 65342T106   321 21,589 SH   SOLE   0 0 21,589
PFIZER INC COM 717081103   551 15,027 SH   SOLE   0 0 15,027
PHILIP MORRIS INTL INC COM 718172109   656 6,719 SH   SOLE   0 0 6,719
PIMCO INCOME STRATEGY FD II COM 72201J104   126 17,500 SH   SOLE   0 0 17,500
PNC FINL SVCS GROUP INC COM 693475105   260 2,065 SH   SOLE   0 0 2,065
RAYTHEON TECHNOLOGIES CORP COM 75513E101   800 8,167 SH   SOLE   0 0 8,167
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   3,762 51,807 SH   SOLE   0 0 51,807
SPDR S&P 500 ETF TR TR UNIT 78462F103   5,615 12,667 SH   SOLE   0 0 12,667
SPDR SER TR S&P DIVID ETF 78464A763   233 1,902 SH   SOLE   0 0 1,902
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   15,480 369,726 SH   SOLE   0 0 369,726
TRAVELERS COMPANIES INC COM 89417E109   215 1,236 SH   SOLE   0 0 1,236
UNION PAC CORP COM 907818108   653 3,193 SH   SOLE   0 0 3,193
VANECK ETF TRUST FALLEN ANGEL HG 92189F437   1,961 70,604 SH   SOLE   0 0 70,604
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   237 3,142 SH   SOLE   0 0 3,142
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   11,474 28,173 SH   SOLE   0 0 28,173
VANGUARD INDEX FDS MID CAP ETF 922908629   1,605 7,291 SH   SOLE   0 0 7,291
VANGUARD INDEX FDS TOTAL STK MKT 922908769   50,341 228,533 SH   SOLE   0 0 228,533
VANGUARD INDEX FDS SMALL CP ETF 922908751   622 3,128 SH   SOLE   0 0 3,128
VANGUARD INDEX FDS GROWTH ETF 922908736   3,449 12,189 SH   SOLE   0 0 12,189
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538   1,508 7,329 SH   SOLE   0 0 7,329
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   3,985 97,954 SH   SOLE   0 0 97,954
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   467 8,590 SH   SOLE   0 0 8,590
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   3,579 47,300 SH   SOLE   0 0 47,300
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   6,563 142,128 SH   SOLE   0 0 142,128
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   25,104 236,670 SH   SOLE   0 0 236,670
WELLS FARGO CO NEW PERP PFD CNV A 949746804   1,268 1,100 SH   SOLE   0 0 1,100