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
ABBVIE INC COM 00287Y109   268,019 1,798 SH   SOLE   0 0 1,798
AMAZON COM INC COM 023135106   601,858 4,735 SH   SOLE   0 0 4,735
AMGEN INC COM 031162100   427,431 1,590 SH   SOLE   0 0 1,590
APPLE INC COM 037833100   9,488,534 55,420 SH   SOLE   0 0 55,420
AUTOMATIC DATA PROCESSING IN COM 053015103   213,698 888 SH   SOLE   0 0 888
BOEING CO COM 097023105   819,049 4,273 SH   SOLE   0 0 4,273
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   321,298 12,796 SH   SOLE   0 0 12,796
CATERPILLAR INC COM 149123101   1,202,805 4,406 SH   SOLE   0 0 4,406
COCA COLA CO COM 191216100   308,394 5,509 SH   SOLE   0 0 5,509
CORNING INC COM 219350105   201,297 6,606 SH   SOLE   0 0 6,606
DEERE & CO COM 244199105   558,523 1,480 SH   SOLE   0 0 1,480
EASTMAN CHEM CO COM 277432100   236,809 3,087 SH   SOLE   0 0 3,087
EXXON MOBIL CORP COM 30231G102   1,152,371 9,801 SH   SOLE   0 0 9,801
FIRST TR MORNINGSTAR DIVID L SHS 336917109   206,824 6,185 SH   SOLE   0 0 6,185
HONEYWELL INTL INC COM 438516106   554,220 3,000 SH   SOLE   0 0 3,000
INTERNATIONAL BUSINESS MACHS COM 459200101   234,912 1,674 SH   SOLE   0 0 1,674
INTUIT COM 461202103   292,863 573 SH   SOLE   0 0 573
INVESCO EXCH TRADED FD TR II S&P500 LOW VOL 46138E354   403,308 6,860 SH   SOLE   0 0 6,860
INVESCO EXCHANGE TRADED FD T INTL DIVI ACHI 46137V548   337,084 20,173 SH   SOLE   0 0 20,173
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   237,327 1,675 SH   SOLE   0 0 1,675
INVESCO EXCHANGE TRADED FD T ZACKS MULT AST 46137Y500   243,030 11,083 SH   SOLE   0 0 11,083
ISHARES INC CORE MSCI EMKT 46434G103   7,788,301 163,654 SH   SOLE   0 0 163,654
ISHARES INC ESG AWR MSCI EM 46434G863   827,848 27,340 SH   SOLE   0 0 27,340
ISHARES INC MSCI GBL MIN VOL 464286525   222,939 2,336 SH   SOLE   0 0 2,336
ISHARES TR 10-20 YR TRS ETF 464288653   363,523 3,692 SH   SOLE   0 0 3,692
ISHARES TR 20 YR TR BD ETF 464287432   8,592,290 96,880 SH   SOLE   0 0 96,880
ISHARES TR 7-10 YR TRSY BD 464287440   672,766 7,345 SH   SOLE   0 0 7,345
ISHARES TR AGGRES ALLOC ETF 464289859   566,813 8,928 SH   SOLE   0 0 8,928
ISHARES TR CORE DIV GRWTH 46434V621   606,665 12,248 SH   SOLE   0 0 12,248
ISHARES TR CORE HIGH DV ETF 46429B663   213,144 2,155 SH   SOLE   0 0 2,155
ISHARES TR CORE MSCI EAFE 46432F842   440,345 6,843 SH   SOLE   0 0 6,843
ISHARES TR CORE MSCI TOTAL 46432F834   228,636 3,811 SH   SOLE   0 0 3,811
ISHARES TR CORE S&P MCP ETF 464287507   3,329,243 13,352 SH   SOLE   0 0 13,352
ISHARES TR CORE S&P SCP ETF 464287804   428,466 4,542 SH   SOLE   0 0 4,542
ISHARES TR CORE S&P US GWT 464287671   423,145 4,462 SH   SOLE   0 0 4,462
ISHARES TR CORE S&P500 ETF 464287200   84,224,488 196,131 SH   SOLE   0 0 196,131
ISHARES TR CORE TOTAL USD 46434V613   43,145,542 986,973 SH   SOLE   0 0 986,973
ISHARES TR EAFE GRWTH ETF 464288885   16,516,910 191,389 SH   SOLE   0 0 191,389
ISHARES TR EAFE VALUE ETF 464288877   21,169,071 432,640 SH   SOLE   0 0 432,640
ISHARES TR ESG AWR MSCI USA 46435G425   7,607,348 81,007 SH   SOLE   0 0 81,007
ISHARES TR ESG MSCI EM LDRS 46436E601   350,654 8,197 SH   SOLE   0 0 8,197
ISHARES TR ESG MSCI LEADR 46435U218   339,416 4,501 SH   SOLE   0 0 4,501
ISHARES TR EUROPE ETF 464287861   642,876 13,469 SH   SOLE   0 0 13,469
ISHARES TR EXPND TEC SC ETF 464287549   253,768 664 SH   SOLE   0 0 664
ISHARES TR GLOBAL TECH ETF 464287291   305,763 5,286 SH   SOLE   0 0 5,286
ISHARES TR GRWT ALLOCAT ETF 464289867   685,880 13,881 SH   SOLE   0 0 13,881
ISHARES TR IBOXX HI YD ETF 464288513   312,428 4,238 SH   SOLE   0 0 4,238
ISHARES TR IBOXX INV CP ETF 464287242   6,747,099 66,135 SH   SOLE   0 0 66,135
ISHARES TR ISHS 1-5YR INVS 464288646   395,437 7,936 SH   SOLE   0 0 7,936
ISHARES TR JPMORGAN USD EMG 464288281   1,799,961 21,812 SH   SOLE   0 0 21,812
ISHARES TR MBS ETF 464288588   14,606,672 164,490 SH   SOLE   0 0 164,490
ISHARES TR MRGSTR MD CP GRW 464288307   200,108 3,503 SH   SOLE   0 0 3,503
ISHARES TR MSCI INTL VLU FT 46435G409   657,497 25,927 SH   SOLE   0 0 25,927
ISHARES TR MSCI USA MIN VOL 46429B697   6,430,185 88,839 SH   SOLE   0 0 88,839
ISHARES TR MSCI USA QLT FCT 46432F339   18,991,762 144,106 SH   SOLE   0 0 144,106
ISHARES TR MSCI USA VALUE 46432F388   202,487 2,232 SH   SOLE   0 0 2,232
ISHARES TR NATIONAL MUN ETF 464288414   5,932,879 57,859 SH   SOLE   0 0 57,859
ISHARES TR PFD AND INCM SEC 464288687   517,399 17,161 SH   SOLE   0 0 17,161
ISHARES TR RUS 1000 GRW ETF 464287614   425,806 1,601 SH   SOLE   0 0 1,601
ISHARES TR RUS 2000 GRW ETF 464287648   357,507 1,595 SH   SOLE   0 0 1,595
ISHARES TR S&P 100 ETF 464287101   442,547 2,206 SH   SOLE   0 0 2,206
ISHARES TR S&P 500 GRWT ETF 464287309   5,947,464 86,926 SH   SOLE   0 0 86,926
ISHARES TR S&P MC 400GR ETF 464287606   281,736 3,900 SH   SOLE   0 0 3,900
ISHARES TR SELECT DIVID ETF 464287168   1,311,195 12,181 SH   SOLE   0 0 12,181
ISHARES TR SHRT NAT MUN ETF 464288158   1,423,304 13,837 SH   SOLE   0 0 13,837
ISHARES TR TIPS BD ETF 464287176   3,207,406 30,924 SH   SOLE   0 0 30,924
ISHARES TR TRS FLT RT BD 46434V860   12,416,167 244,702 SH   SOLE   0 0 244,702
ISHARES TR U.S. REAL ES ETF 464287739   346,128 4,430 SH   SOLE   0 0 4,430
ISHARES TR U.S. TECH ETF 464287721   5,890,868 56,146 SH   SOLE   0 0 56,146
ISHARES TR US HLTHCARE ETF 464287762   415,730 1,539 SH   SOLE   0 0 1,539
ISHARES TR US INFRASTRUC 46435U713   2,112,568 57,736 SH   SOLE   0 0 57,736
ISHARES TR US TREAS BD ETF 46429B267   2,711,649 123,033 SH   SOLE   0 0 123,033
JOHNSON & JOHNSON COM 478160104   429,501 2,758 SH   SOLE   0 0 2,758
JPMORGAN CHASE & CO COM 46625H100   806,303 5,560 SH   SOLE   0 0 5,560
KNIGHTSCOPE INC CLASS A COM 49907V102   18,237 23,000 SH   SOLE   0 0 23,000
LAKELAND INDS INC COM 511795106   246,164 16,335 SH   SOLE   0 0 16,335
LOCKHEED MARTIN CORP COM 539830109   244,793 599 SH   SOLE   0 0 599
M & T BK CORP COM 55261F104   247,856 1,960 SH   SOLE   0 0 1,960
MCDONALDS CORP COM 580135101   988,228 3,751 SH   SOLE   0 0 3,751
MERCK & CO INC COM 58933Y105   396,872 3,855 SH   SOLE   0 0 3,855
MICROSOFT CORP COM 594918104   2,466,816 7,813 SH   SOLE   0 0 7,813
NVIDIA CORPORATION COM 67066G104   522,100 1,200 SH   SOLE   0 0 1,200
ORACLE CORP COM 68389X105   419,248 3,958 SH   SOLE   0 0 3,958
PAYCHEX INC COM 704326107   727,474 6,308 SH   SOLE   0 0 6,308
PEPSICO INC COM 713448108   223,345 1,318 SH   SOLE   0 0 1,318
PROCTER AND GAMBLE CO COM 742718109   321,719 2,206 SH   SOLE   0 0 2,206
SELECT SECTOR SPDR TR FINANCIAL 81369Y605   215,880 6,508 SH   SOLE   0 0 6,508
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   290,512 4,930 SH   SOLE   0 0 4,930
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,717,754 6,358 SH   SOLE   0 0 6,358
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   1,204,312 2,637 SH   SOLE   0 0 2,637
SPDR SER TR NUVEEN BLMBRG SH 78468R739   304,148 6,579 SH   SOLE   0 0 6,579
SPDR SER TR PORTFOLIO S&P600 78468R853   250,146 6,779 SH   SOLE   0 0 6,779
SPDR SER TR S&P DIVID ETF 78464A763   1,692,487 14,716 SH   SOLE   0 0 14,716
SRH TOTAL RETURN FUND INC COM 101507101   157,785 12,156 SH   SOLE   0 0 12,156
TESLA INC COM 88160R101   1,329,920 5,315 SH   SOLE   0 0 5,315
TRANSCAT INC COM 893529107   677,463 6,915 SH   SOLE   0 0 6,915
VANGUARD INDEX FDS GROWTH ETF 922908736   289,662 1,064 SH   SOLE   0 0 1,064
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,504,136 31,271 SH   SOLE   0 0 31,271
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   241,555 3,214 SH   SOLE   0 0 3,214
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   299,360 2,897 SH   SOLE   0 0 2,897
VISA INC COM CL A 92826C839   937,653 4,077 SH   SOLE   0 0 4,077
WALMART INC COM 931142103   563,804 3,525 SH   SOLE   0 0 3,525