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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBVIE INC COM 00287Y109 291 1,798 SH   SOLE   0 0 1,798
AMAZON COM INC COM 023135106 496 152 SH   SOLE   0 0 152
AMGEN INC COM 031162100 614 2,540 SH   SOLE   0 0 2,540
APPLE INC COM 037833100 8,687 49,753 SH   SOLE   0 0 49,753
AUTOMATIC DATA PROCESSING IN COM 053015103 201 885 SH   SOLE   0 0 885
BERKSHIRE HATHAWAY INC DEL CL A 084670108 529 1 SH   SOLE   0 0 1
BOEING CO COM 097023105 627 3,273 SH   SOLE   0 0 3,273
BOULDER GROWTH & INCOME FD I COM 101507101 170 11,482 SH   SOLE   0 0 11,482
CATERPILLAR INC COM 149123101 1,227 5,505 SH   SOLE   0 0 5,505
COCA COLA CO COM 191216100 313 5,048 SH   SOLE   0 0 5,048
CORNING INC COM 219350105 249 6,746 SH   SOLE   0 0 6,746
CSX CORP COM 126408103 337 9,000 SH   SOLE   0 0 9,000
DEERE & CO COM 244199105 569 1,370 SH   SOLE   0 0 1,370
EASTMAN CHEM CO COM 277432100 436 3,887 SH   SOLE   0 0 3,887
EXXON MOBIL CORP COM 30231G102 1,368 16,559 SH   SOLE   0 0 16,559
FIRST TR MORNINGSTAR DIVID L SHS 336917109 717 19,164 SH   SOLE   0 0 19,164
HOME DEPOT INC COM 437076102 269 900 SH   SOLE   0 0 900
HONEYWELL INTL INC COM 438516106 584 3,000 SH   SOLE   0 0 3,000
INTEL CORP COM 458140100 226 4,563 SH   SOLE   0 0 4,563
INTUIT COM 461202103 257 534 SH   SOLE   0 0 534
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354 682 10,161 SH   SOLE   0 0 10,161
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548 982 50,033 SH   SOLE   0 0 50,033
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 289 1,834 SH   SOLE   0 0 1,834
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500 817 34,101 SH   SOLE   0 0 34,101
INVESCO QQQ TR UNIT SER 1 46090E103 3,365 9,281 SH   SOLE   0 0 9,281
ISHARES INC ESG AWR MSCI EM 46434G863 10,243 278,861 SH   SOLE   0 0 278,861
ISHARES INC MSCI GBL MIN VOL 464286525 334 3,191 SH   SOLE   0 0 3,191
ISHARES TR 1 3 YR TREAS BD 464287457 535 6,419 SH   SOLE   0 0 6,419
ISHARES TR 10-20 YR TRS ETF 464288653 4,850 36,031 SH   SOLE   0 0 36,031
ISHARES TR 20 YR TR BD ETF 464287432 478 3,621 SH   SOLE   0 0 3,621
ISHARES TR AGGRES ALLOC ETF 464289859 492 7,130 SH   SOLE   0 0 7,130
ISHARES TR CONV BD ETF 46435G102 316 3,795 SH   SOLE   0 0 3,795
ISHARES TR CORE DIV GRWTH 46434V621 1,271 23,790 SH   SOLE   0 0 23,790
ISHARES TR CORE MSCI EAFE 46432F842 837 12,043 SH   SOLE   0 0 12,043
ISHARES TR CORE S&P MCP ETF 464287507 792 2,953 SH   SOLE   0 0 2,953
ISHARES TR CORE S&P SCP ETF 464287804 8,652 80,201 SH   SOLE   0 0 80,201
ISHARES TR CORE S&P US GWT 464287671 467 4,420 SH   SOLE   0 0 4,420
ISHARES TR CORE S&P500 ETF 464287200 76,356 168,300 SH   SOLE   0 0 168,300
ISHARES TR CORE TOTAL USD 46434V613 35,456 714,398 SH   SOLE   0 0 714,398
ISHARES TR CORE US AGGBD ET 464287226 677 6,321 SH   SOLE   0 0 6,321
ISHARES TR EAFE GRWTH ETF 464288885 12,809 133,045 SH   SOLE   0 0 133,045
ISHARES TR EAFE VALUE ETF 464288877 22,453 446,740 SH   SOLE   0 0 446,740
ISHARES TR ESG ADV TTL USD 46436E619 253 5,451 SH   SOLE   0 0 5,451
ISHARES TR ESG AW MSCI EAFE 46435G516 230 3,123 SH   SOLE   0 0 3,123
ISHARES TR ESG AWARE MSCI 46435U663 214 5,622 SH   SOLE   0 0 5,622
ISHARES TR ESG AWR MSCI USA 46435G425 53,352 526,413 SH   SOLE   0 0 526,413
ISHARES TR ESG MSCI LEADR 46435U218 406 5,124 SH   SOLE   0 0 5,124
ISHARES TR EXPND TEC SC ETF 464287549 641 1,650 SH   SOLE   0 0 1,650
ISHARES TR FALN ANGLS USD 46435G474 6,999 252,155 SH   SOLE   0 0 252,155
ISHARES TR FLTG RATE NT ETF 46429B655 311 6,163 SH   SOLE   0 0 6,163
ISHARES TR GLOBAL TECH ETF 464287291 5,660 97,576 SH   SOLE   0 0 97,576
ISHARES TR GRWT ALLOCAT ETF 464289867 668 12,371 SH   SOLE   0 0 12,371
ISHARES TR IBOXX HI YD ETF 464288513 891 10,831 SH   SOLE   0 0 10,831
ISHARES TR IBOXX INV CP ETF 464287242 2,027 16,761 SH   SOLE   0 0 16,761
ISHARES TR ISHS 1-5YR INVS 464288646 1,495 28,905 SH   SOLE   0 0 28,905
ISHARES TR JPMORGAN USD EMG 464288281 597 6,107 SH   SOLE   0 0 6,107
ISHARES TR MBS ETF 464288588 2,626 25,779 SH   SOLE   0 0 25,779
ISHARES TR MRGSTR MD CP GRW 464288307 309 4,803 SH   SOLE   0 0 4,803
ISHARES TR MSCI EAFE MIN VL 46429B689 264 3,660 SH   SOLE   0 0 3,660
ISHARES TR MSCI INTL VLU FT 46435G409 291 11,443 SH   SOLE   0 0 11,443
ISHARES TR MSCI USA MIN VOL 46429B697 4,453 57,401 SH   SOLE   0 0 57,401
ISHARES TR MSCI USA VALUE 46432F388 5,486 52,464 SH   SOLE   0 0 52,464
ISHARES TR NATIONAL MUN ETF 464288414 3,997 36,453 SH   SOLE   0 0 36,453
ISHARES TR NEW YORK MUN ETF 464288323 305 5,595 SH   SOLE   0 0 5,595
ISHARES TR PFD AND INCM SEC 464288687 1,530 42,012 SH   SOLE   0 0 42,012
ISHARES TR RUS 1000 GRW ETF 464287614 555 2,001 SH   SOLE   0 0 2,001
ISHARES TR RUS 2000 GRW ETF 464287648 405 1,585 SH   SOLE   0 0 1,585
ISHARES TR RUS MD CP GR ETF 464287481 214 2,126 SH   SOLE   0 0 2,126
ISHARES TR S&P 100 ETF 464287101 416 1,994 SH   SOLE   0 0 1,994
ISHARES TR S&P MC 400GR ETF 464287606 402 5,200 SH   SOLE   0 0 5,200
ISHARES TR SELECT DIVID ETF 464287168 2,391 18,660 SH   SOLE   0 0 18,660
ISHARES TR SHRT NAT MUN ETF 464288158 898 8,583 SH   SOLE   0 0 8,583
ISHARES TR TIPS BD ETF 464287176 7,278 58,432 SH   SOLE   0 0 58,432
ISHARES TR U.S. ENERGY ETF 464287796 6,705 163,867 SH   SOLE   0 0 163,867
ISHARES TR U.S. MED DVC ETF 464288810 564 9,252 SH   SOLE   0 0 9,252
ISHARES TR U.S. REAL ES ETF 464287739 1,112 10,279 SH   SOLE   0 0 10,279
ISHARES TR US TREAS BD ETF 46429B267 22,206 891,472 SH   SOLE   0 0 891,472
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853 8,653 216,040 SH   SOLE   0 0 216,040
JOHNSON & JOHNSON COM 478160104 966 5,453 SH   SOLE   0 0 5,453
JPMORGAN CHASE & CO COM 46625H100 1,021 7,493 SH   SOLE   0 0 7,493
L3HARRIS TECHNOLOGIES INC COM 502431109 766 3,083 SH   SOLE   0 0 3,083
M & T BK CORP COM 55261F104 233 1,374 SH   SOLE   0 0 1,374
MCDONALDS CORP COM 580135101 622 2,516 SH   SOLE   0 0 2,516
MEDTRONIC PLC SHS G5960L103 206 1,854 SH   SOLE   0 0 1,854
MERCK & CO INC COM 58933Y105 295 3,595 SH   SOLE   0 0 3,595
MICROSOFT CORP COM 594918104 2,269 7,358 SH   SOLE   0 0 7,358
NVIDIA CORPORATION COM 67066G104 224 820 SH   SOLE   0 0 820
ORACLE CORP COM 68389X105 410 4,951 SH   SOLE   0 0 4,951
PAYCHEX INC COM 704326107 1,044 7,648 SH   SOLE   0 0 7,648
PEPSICO INC COM 713448108 232 1,387 SH   SOLE   0 0 1,387
PFIZER INC COM 717081103 420 8,113 SH   SOLE   0 0 8,113
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 495 4,938 SH   SOLE   0 0 4,938
PROCTER AND GAMBLE CO COM 742718109 646 4,225 SH   SOLE   0 0 4,225
PRUDENTIAL FINL INC COM 744320102 282 2,390 SH   SOLE   0 0 2,390
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 232 3,321 SH   SOLE   0 0 3,321
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 218 5,692 SH   SOLE   0 0 5,692
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886 1,231 16,531 SH   SOLE   0 0 16,531
SOUTHERN CO COM 842587107 327 4,510 SH   SOLE   0 0 4,510
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 354 1,022 SH   SOLE   0 0 1,022
SPDR S&P 500 ETF TR TR UNIT 78462F103 3,407 7,543 SH   SOLE   0 0 7,543
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 1,538 3,137 SH   SOLE   0 0 3,137
SPDR SER TR NUVEEN BLMBRG MU 78468R721 1,055 22,040 SH   SOLE   0 0 22,040
SPDR SER TR PORTFOLIO S&P500 78464A854 228 4,300 SH   SOLE   0 0 4,300
SPDR SER TR S&P 600 SML CAP 78464A813 431 4,600 SH   SOLE   0 0 4,600
SPDR SER TR S&P DIVID ETF 78464A763 2,171 16,949 SH   SOLE   0 0 16,949
TARGET CORP COM 87612E106 637 3,000 SH   SOLE   0 0 3,000
TESLA INC COM 88160R101 663 615 SH   SOLE   0 0 615
VANGUARD INDEX FDS GROWTH ETF 922908736 335 1,164 SH   SOLE   0 0 1,164
VANGUARD INDEX FDS MID CAP ETF 922908629 265 1,115 SH   SOLE   0 0 1,115
VANGUARD INDEX FDS TOTAL STK MKT 922908769 231 1,013 SH   SOLE   0 0 1,013
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 297 3,801 SH   SOLE   0 0 3,801
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504 204 800 SH   SOLE   0 0 800
VERIZON COMMUNICATIONS INC COM 92343V104 278 5,462 SH   SOLE   0 0 5,462
VISA INC COM CL A 92826C839 770 3,470 SH   SOLE   0 0 3,470
VULCAN MATLS CO COM 929160109 570 3,101 SH   SOLE   0 0 3,101
WALMART INC COM 931142103 718 4,822 SH   SOLE   0 0 4,822
WP CAREY INC COM 92936U109 307 3,797 SH   SOLE   0 0 3,797