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
3M CO COM 88579Y101 BBG001S5T7X2 783,834 6,536 SH   SOLE   0 0 0
ABBOTT LABS COM 002824100 BBG001S5N9M6 850,543 7,747 SH   SOLE   0 0 0
ADOBE SYSTEMS INCORPORATED COM 00724F101 BBG001S5NCQ5 721,857 2,145 SH   SOLE   0 0 0
ADVANCED MICRO DEVICES INC COM 007903107 BBG001S5NN36 6,264,813 96,724 SH   SOLE   0 0 0
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 22,915,184 259,721 SH   SOLE   0 0 0
AMAZON COM INC COM 023135106 BBG001S5PQL7 6,256,849 74,486 SH   SOLE   0 0 0
AMERICAN EXPRESS CO COM 025816109 BBG001S5P034 251,175 1,700 SH   SOLE   0 0 0
APPLE INC COM 037833100 BBG001S5N8V8 28,665,035 220,619 SH   SOLE   0 0 0
AT&T INC COM 00206R102 BBG001S5VWH2 1,860,643 101,067 SH   SOLE   0 0 0
BANK AMERICA CORP COM 060505104 BBG001S5P0Y0 5,919,136 178,717 SH   SOLE   0 0 0
BAXTER INTL INC COM 071813109 BBG001S5P1K3 251,435 4,933 SH   SOLE   0 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 5,699,823 18,452 SH   SOLE   0 0 0
BOOKING HOLDINGS INC COM 09857L108 BBG001S89N72 326,475 162 SH   SOLE   0 0 0
BP PLC SPONSORED ADR 055622104 BBG001S5W4F5 1,991,475 57,013 SH   SOLE   0 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 BBG001S8N8J6 349,965 4,864 SH   SOLE   0 0 0
CANADIAN NATL RY CO COM 136375102 BBG001S8WVQ7 545,065 4,585 SH   SOLE   0 0 0
CATERPILLAR INC COM 149123101 BBG001S5PJ06 281,004 1,173 SH   SOLE   0 0 0
CHEVRON CORP NEW COM 166764100 BBG001S67ZC5 10,586,203 58,979 SH   SOLE   0 0 0
COCA COLA CO COM 191216100 BBG001S5SMQ8 548,467 8,622 SH   SOLE   0 0 0
COMCAST CORP NEW CL A 20030N101 BBG001S5PXL2 216,307 6,185 SH   SOLE   0 0 0
CROWDSTRIKE HLDGS INC CL A 22788C105 BBG00BLYKRZ7 992,885 9,430 SH   SOLE   0 0 0
CSX CORP COM 126408103 BBG001S5Q7Q3 375,823 12,131 SH   SOLE   0 0 0
DEERE & CO COM 244199105 BBG001S5QFF7 375,165 875 SH   SOLE   0 0 0
DISNEY WALT CO COM 254687106 BBG001S5QHF3 4,943,577 56,901 SH   SOLE   0 0 0
DOMINION ENERGY INC COM 25746U109 BBG001S5QCP3 227,878 3,716 SH   SOLE   0 0 0
DRAFTKINGS INC NEW COM CL A 26142V105 BBG0134WCMB3 124,686 10,947 SH   SOLE   0 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 BBG001S5QNR7 306,910 2,980 SH   SOLE   0 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 BBG001SF2288 348,951 4,677 SH   SOLE   0 0 0
EQUINIX INC COM 29444U700 BBG001SKBNS9 1,430,677 2,184 SH   SOLE   0 0 0
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 BBG00NJ314P5 478,428 16,017 SH   SOLE   0 0 0
EXXON MOBIL CORP COM 30231G102 BBG001S69V32 2,217,462 20,103 SH   SOLE   0 0 0
FEDEX CORP COM 31428X106 BBG001S5R3M5 4,837,649 27,931 SH   SOLE   0 0 0
FIRST TR EXCHNG TRADED FD VI TCW OPPORTUNIS 33740F805 BBG00FZ4KG74 3,117,749 70,987 SH   SOLE   0 0 0
FORD MTR CO DEL COM 345370860 BBG001S5TZ33 229,708 19,751 SH   SOLE   0 0 0
GENERAL ELECTRIC CO COM NEW 369604301 BBG001S5PVD5 351,261 4,192 SH   SOLE   0 0 0
GENERAL MLS INC COM 370334104 BBG001S5RKR2 212,248 2,531 SH   SOLE   0 0 0
GILEAD SCIENCES INC COM 375558103 BBG001S6Y1X7 297,604 3,466 SH   SOLE   0 0 0
GLOBALFOUNDRIES INC ORDINARY SHARES G39387108 BBG001SV0YS3 2,764,395 51,297 SH   SOLE   0 0 0
HONEYWELL INTL INC COM 438516106 BBG001S5X1N1 1,052,213 4,910 SH   SOLE   0 0 0
IDEX CORP COM 45167R104 BBG001S67N14 783,172 3,430 SH   SOLE   0 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 BBG001S5S399 1,136,137 8,064 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 BBG00KXH5XJ3 1,277,617 17,516 SH   SOLE   0 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 BBG001STKGB3 582,652 22,662 SH   SOLE   0 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 BBG00KJR2NN7 11,851,465 83,904 SH   SOLE   0 0 0
IRON MTN INC DEL COM 46284V101 BBG001SCQ2X1 950,823 19,073 SH   SOLE   0 0 0
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 294,689 767 SH   SOLE   0 0 0
ISHARES TR CORE US AGGBD ET 464287226 BBG001SM1QT8 2,862,106 29,509 SH   SOLE   0 0 0
ISHARES TR GLOBAL 100 ETF 464287572 BBG001SGL748 3,130,741 48,879 SH   SOLE   0 0 0
ISHARES TR ISHARES BIOTECH 464287556 BBG001SGYSW7 4,521,424 34,438 SH   SOLE   0 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 BBG001SFC7Y7 1,254,616 7,195 SH   SOLE   0 0 0
ISHARES TR SELECT DIVID ETF 464287168 BBG001SDJVG2 698,148 5,788 SH   SOLE   0 0 0
ISHARES TR TIPS BD ETF 464287176 BBG001SD9RM5 967,825 9,092 SH   SOLE   0 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 5,822,581 106,855 SH   SOLE   0 0 0
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 8,289,316 46,925 SH   SOLE   0 0 0
JPMORGAN CHASE & CO COM 46625H100 BBG001S8CRC3 8,596,729 64,106 SH   SOLE   0 0 0
KEYCORP COM 493267108 BBG001S5SKV6 2,221,216 127,509 SH   SOLE   0 0 0
KINDER MORGAN INC DEL COM 49456B101 BBG001TG2YZ5 2,251,954 124,555 SH   SOLE   0 0 0
LOWES COS INC COM 548661107 BBG001S5SVL3 16,225,048 81,434 SH   SOLE   0 0 0
MARVELL TECHNOLOGY INC COM 573874104 BBG00ZXBJ162 4,020,056 108,532 SH   SOLE   0 0 0
MASTERCARD INCORPORATED CL A 57636Q104 BBG001SKNNS6 8,463,811 24,340 SH   SOLE   0 0 0
MCDONALDS CORP COM 580135101 BBG001S5T110 744,771 2,826 SH   SOLE   0 0 0
MEDICAL PPTYS TRUST INC COM 58463J304 BBG001S7WM61 727,220 65,280 SH   SOLE   0 0 0
MERCK & CO INC COM 58933Y105 BBG001S5TC52 260,954 2,352 SH   SOLE   0 0 0
META PLATFORMS INC CL A 30303M102 BBG001SQCQC5 600,015 4,986 SH   SOLE   0 0 0
METLIFE INC COM 59156R108 BBG001S5T3R8 1,120,143 15,478 SH   SOLE   0 0 0
MICROSOFT CORP COM 594918104 BBG001S5TD05 22,851,932 95,287 SH   SOLE   0 0 0
MOSAIC CO NEW COM 61945C103 BBG001S7LJN1 1,526,983 34,807 SH   SOLE   0 0 0
NBT BANCORP INC COM 628778102 BBG001S6XCS0 258,175 5,946 SH   SOLE   0 0 0
NETFLIX INC COM 64110L106 BBG001SF6L46 560,272 1,900 SH   SOLE   0 0 0
NIKE INC CL B 654106103 BBG001S6NTK2 8,004,832 68,411 SH   SOLE   0 0 0
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 3,749,564 25,657 SH   SOLE   0 0 0
OCCIDENTAL PETE CORP COM 674599105 BBG001S5TZG9 5,950,665 94,470 SH   SOLE   0 0 0
PEPSICO INC COM 713448108 BBG001S695T1 573,038 3,171 SH   SOLE   0 0 0
PFIZER INC COM 717081103 BBG001S5V466 3,197,018 62,393 SH   SOLE   0 0 0
PIONEER BANCORP INC MD COM 723561106 BBG00PFB4RS9 193,800 17,000 SH   SOLE   0 0 0
PLUG POWER INC COM NEW 72919P202 BBG001S6GJB2 1,946,766 157,378 SH   SOLE   0 0 0
PROCTER AND GAMBLE CO COM 742718109 BBG001S5V4L9 378,834 2,499 SH   SOLE   0 0 0
QUALCOMM INC COM 747525103 BBG001S6VS70 8,648,174 78,662 SH   SOLE   0 0 0
REGENERON PHARMACEUTICALS COM 75886F107 BBG001S6PX49 5,743,133 7,960 SH   SOLE   0 0 0
SCHLUMBERGER LTD COM STK 806857108 BBG001S5W4C8 2,935,863 54,917 SH   SOLE   0 0 0
SCHWAB CHARLES CORP COM 808513105 BBG001S5VXD4 234,220 2,813 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 BBG001T5XQY3 636,995 19,776 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 BBG001T9F7C1 674,811 13,707 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 3,824,766 85,355 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 4,765,048 63,079 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 1,481,922 26,672 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 BBG001T66WQ7 2,377,483 36,011 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 BBG001T5XQV6 1,829,270 40,515 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 BBG001V036R6 1,363,907 20,788 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 BBG001T5XQW5 275,509 6,801 SH   SOLE   0 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 BBG001T9F777 5,771,132 111,433 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 BBG001S7T1S7 8,102,963 92,637 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 BBG001S7T223 2,796,382 81,765 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 BBG001S7T1Q9 319,284 2,472 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 BBG001S7SCQ6 2,095,825 15,427 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 BBG001S7T232 682,510 6,949 SH   SOLE   0 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 1,697,137 13,638 SH   SOLE   0 0 0
SOFI TECHNOLOGIES INC COM 83406F102 BBG00YB1ZF08 46,100 10,000 SH   SOLE   0 0 0
SOUTHERN CO COM 842587107 BBG001S5W777 286,455 4,011 SH   SOLE   0 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 BBG001S8LH99 716,998 2,164 SH   SOLE   0 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 2,306,448 6,031 SH   SOLE   0 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 BBG001S63NQ1 472,453 1,066 SH   SOLE   0 0 0
SPDR SER TR GLB DOW ETF 78464A706 BBG001SG4257 2,418,336 23,929 SH   SOLE   0 0 0
SPDR SER TR S&P DIVID ETF 78464A763 BBG001SPTBP8 259,276 2,072 SH   SOLE   0 0 0
STARBUCKS CORP COM 855244109 BBG001S72KH6 10,559,469 106,446 SH   SOLE   0 0 0
TARGET CORP COM 87612E106 BBG001SC0K41 5,113,932 34,312 SH   SOLE   0 0 0
TESLA INC COM 88160R101 BBG001SQKGD7 1,516,001 12,307 SH   SOLE   0 0 0
UBER TECHNOLOGIES INC COM 90353T100 BBG002B04MW4 1,399,718 56,600 SH   SOLE   0 0 0
UNITEDHEALTH GROUP INC COM 91324P102 BBG001S6WCJ1 548,206 1,034 SH   SOLE   0 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 BBG002VZY7Y3 2,218,579 82,108 SH   SOLE   0 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 BBG002D68GN8 957,661 4,718 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 BBG001ST39R1 1,360,211 18,302 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 BBG001ST39Q2 1,919,505 25,528 SH   SOLE   0 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 BBG001SK7DK4 2,540,244 35,359 SH   SOLE   0 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 BBG004N1LGK2 616,758 13,003 SH   SOLE   0 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 239,311 681 SH   SOLE   0 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 BBG001SHTB03 303,185 1,585 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 BBG001T62M92 1,678,377 28,700 SH   SOLE   0 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 BBG001T62M38 6,750,118 87,087 SH   SOLE   0 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 BBG001S67QY1 812,783 20,629 SH   SOLE   0 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 BBG001S68LJ8 7,000,316 24,241 SH   SOLE   0 0 0
VISA INC COM CL A 92826C839 BBG001SRCFY3 7,923,235 38,136 SH   SOLE   0 0 0