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
AMAZON COM INC COM Stock 023135106 4,776 42,263 SH   SOLE   42,263 0 0
BLACKROCK SHORT MATURITY MUNICIPAL BOND ETF ETF 46431W838 1,205 24,264 SH   SOLE   24,263 0 0
PRUDENTIAL FINL INC COM Stock 744320102 245 2,857 SH   SOLE   2,857 0 0
INVESCO QQQ TRUST ETF 46090E103 200 750 SH   SOLE   750 0 0
TECHNOLOGY SELECT SECTOR SPDR FUND ETF 81369Y803 22,542 189,777 SH   SOLE   189,777 0 0
STARBUCKS CORP COM Stock 855244109 863 10,237 SH   SOLE   10,237 0 0
SEMPRA COM Stock 816851109 293 1,956 SH   SOLE   1,956 0 0
ELEVANCE HEALTH INC COM Stock 036752103 493 1,085 SH   SOLE   1,085 0 0
DOLLAR GEN CORP NEW COM Stock 256677105 489 2,037 SH   SOLE   2,036 0 0
JOHNSON & JOHNSON COM Stock 478160104 2,351 14,391 SH   SOLE   14,391 0 0
WASTE MGMT INC DEL COM Stock 94106L109 738 4,606 SH   SOLE   4,605 0 0
VANGUARD TOTAL STOCK MARKET ETF ETF 922908769 23,660 131,831 SH   SOLE   131,831 0 0
WISDOMTREE FLOATING RATE TREASURY FUND ETF 97717Y527 794 15,801 SH   SOLE   15,801 0 0
COSTCO WHSL CORP NEW COM Stock 22160K105 820 1,736 SH   SOLE   1,736 0 0
GOLDMAN SACHS GROUP INC COM Stock 38141G104 584 1,991 SH   SOLE   1,991 0 0
YUM BRANDS INC COM Stock 988498101 1,686 15,858 SH   SOLE   15,858 0 0
REAL ESTATE SELECT SECTOR SPDR FUND ETF 81369Y860 3,352 93,077 SH   SOLE   93,077 0 0
PROCTER AND GAMBLE CO COM Stock 742718109 3,339 26,448 SH   SOLE   26,447 0 0
COCA COLA CO COM Stock 191216100 586 10,461 SH   SOLE   10,461 0 0
TRUIST FINL CORP COM Stock 89832Q109 441 10,134 SH   SOLE   10,133 0 0
UNITED PARCEL SERVICE INC CL B Stock 911312106 524 3,246 SH   SOLE   3,246 0 0
MARRIOTT INTL INC NEW CL A Stock 571903202 214 1,524 SH   SOLE   1,524 0 0
VANGUARD REAL ESTATE ETF ETF 922908553 666 8,311 SH   SOLE   8,310 0 0
ISHARES MSCI USA ESG SELECT ETF ETF 464288802 380 5,010 SH   SOLE   5,010 0 0
ISHARES MSCI ACWI EX U.S. ETF ETF 464288240 1,028 25,698 SH   SOLE   25,697 0 0
AVALONBAY CMNTYS INC COM REIT 053484101 272 1,474 SH   SOLE   1,474 0 0
INTEL CORP COM Stock 458140100 1,847 71,671 SH   SOLE   71,670 0 0
CME GROUP INC COM Stock 12572Q105 218 1,231 SH   SOLE   1,231 0 0
OUTLOOK THERAPEUTICS INC COM NEW Stock 69012T206 46 37,500 SH   SOLE   37,500 0 0
MEDTRONIC PLC SHS Stock G5960L103 528 6,536 SH   SOLE   6,536 0 0
FORTIVE CORP COM Stock 34959J108 1,236 21,199 SH   SOLE   21,199 0 0
NETFLIX INC COM Stock 64110L106 699 2,971 SH   SOLE   2,971 0 0
PAYCHEX INC COM Stock 704326107 271 2,411 SH   SOLE   2,411 0 0
SPDR MSCI USA STRATEGICFACTORS ETF ETF 78468R812 254 2,499 SH   SOLE   2,499 0 0
WELLS FARGO CO NEW PERP PFD CNV A Convertible Preferred 949746804 510 424 SH   SOLE   424 0 0
PROLOGIS INC. COM REIT 74340W103 361 3,552 SH   SOLE   3,552 0 0
MERCK & CO INC COM Stock 58933Y105 3,072 35,677 SH   SOLE   35,676 0 0
ISHARES SHORT-TERM NATIONAL MUNI BOND ETF ETF 464288158 243 2,365 SH   SOLE   2,365 0 0
SPDR S&P 500 ETF TRUST ETF 78462F103 34,132 95,560 SH   SOLE   95,559 0 0
MASTERCARD INCORPORATED CL A Stock 57636Q104 4,558 16,031 SH   SOLE   16,031 0 0
FIRST REP BK SAN FRANCISCO CAL COM Stock 33616C100 7,022 53,791 SH   SOLE   53,790 0 0
ILLINOIS TOOL WKS INC COM Stock 452308109 227 1,256 SH   SOLE   1,256 0 0
ALLSTATE CORP COM Stock 020002101 5,776 46,381 SH   SOLE   46,381 0 0
DIAGEO PLC SPON ADR NEW ADR 25243Q205 212 1,249 SH   SOLE   1,248 0 0
ISHARES TIPS BOND ETF ETF 464287176 958 9,130 SH   SOLE   9,130 0 0
VERTEX PHARMACEUTICALS INC COM Stock 92532F100 232 802 SH   SOLE   802 0 0
LIONS GATE ENTMNT CORP CL B NON VTG Stock 535919500 301 43,286 SH   SOLE   43,286 0 0
CORNING INC COM Stock 219350105 470 16,181 SH   SOLE   16,180 0 0
JPMORGAN HIGH YIELD RESEARCH ENHANCED ETF ETF 46641Q878 687 16,214 SH   SOLE   16,214 0 0
BANK NEW YORK MELLON CORP COM Stock 064058100 250 6,503 SH   SOLE   6,502 0 0
VERIZON COMMUNICATIONS INC COM Stock 92343V104 1,422 37,438 SH   SOLE   37,438 0 0
CHUBB LIMITED COM Stock H1467J104 280 1,537 SH   SOLE   1,536 0 0
FEDEX CORP COM Stock 31428X106 246 1,656 SH   SOLE   1,656 0 0
PEPSICO INC COM Stock 713448108 1,202 7,360 SH   SOLE   7,360 0 0
HONEYWELL INTL INC COM Stock 438516106 415 2,483 SH   SOLE   2,483 0 0
FORD MTR CO DEL COM Stock 345370860 246 21,943 SH   SOLE   21,943 0 0
SPDR PORTFOLIO MORTGAGE BACKED BOND ETF ETF 78464A383 528 24,600 SH   SOLE   24,600 0 0
US BANCORP DEL COM NEW Stock 902973304 651 16,154 SH   SOLE   16,154 0 0
HOME DEPOT INC COM Stock 437076102 3,695 13,392 SH   SOLE   13,391 0 0
BAXTER INTL INC COM Stock 071813109 943 17,509 SH   SOLE   17,509 0 0
AUTOMATIC DATA PROCESSING INC COM Stock 053015103 618 2,733 SH   SOLE   2,733 0 0
DUPONT DE NEMOURS INC COM Stock 26614N102 326 6,474 SH   SOLE   6,474 0 0
ISHARES RUSSELL 2000 VALUE ETF ETF 464287630 468 3,627 SH   SOLE   3,627 0 0
HEALTH CARE SELECT SECTOR SPDR FUND ETF 81369Y209 26,356 217,622 SH   SOLE   217,621 0 0
SOUTHERN CO COM Stock 842587107 293 4,312 SH   SOLE   4,311 0 0
BECTON DICKINSON & CO COM Stock 075887109 1,477 6,630 SH   SOLE   6,630 0 0
REGIONS FINANCIAL CORP NEW COM Stock 7591EP100 421 20,969 SH   SOLE   20,968 0 0
ISHARES RUSSELL 1000 GROWTH ETF ETF 464287614 27,312 129,810 SH   SOLE   129,810 0 0
HEXO CORP COM NEW Stock 428304307 2 11,331 SH   SOLE   11,331 0 0
CONSUMER STAPLES SELECT SECTOR SPDR FUND ETF 81369Y308 7,755 116,218 SH   SOLE   116,218 0 0
SPDR PORTFOLIO S&P 400 MID CAP ETF ETF 78464A847 573 14,853 SH   SOLE   14,853 0 0
JPMORGAN ULTRA-SHORT INCOME ETF ETF 46641Q837 3,275 65,292 SH   SOLE   65,292 0 0
AON PLC SHS CL A Stock G0403H108 251 936 SH   SOLE   936 0 0
SPDR PORTFOLIO SHORT TERM CORPORATE BOND ETF ETF 78464A474 958 32,781 SH   SOLE   32,781 0 0
ISHARES CORE S&P SMALL CAP ETF ETF 464287804 16,720 191,760 SH   SOLE   191,760 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW Stock 084670702 2,716 10,173 SH   SOLE   10,173 0 0
CARTERS INC COM Stock 146229109 323 4,925 SH   SOLE   4,925 0 0
ADOBE SYSTEMS INCORPORATED COM Stock 00724F101 614 2,230 SH   SOLE   2,230 0 0
VANGUARD SHORT-TERM CORPORATE BOND ETF ETF 92206C409 2,778 37,398 SH   SOLE   37,398 0 0
VANGUARD INTERMEDIATE-TERM CORPORATE BOND ETF ETF 92206C870 837 11,060 SH   SOLE   11,060 0 0
ALPHABET INC CAP STK CL A Stock 02079K305 4,360 45,581 SH   SOLE   45,581 0 0
PROGRESSIVE CORP COM Stock 743315103 276 2,372 SH   SOLE   2,372 0 0
VANGUARD U.S. VALUE FACTOR ETF ETF 921935805 434 5,000 SH   SOLE   5,000 0 0
VANGUARD U.S. MOMENTUM FACTOR ETF ETF 921935508 391 3,694 SH   SOLE   3,694 0 0
FISERV INC COM Stock 337738108 5,502 58,798 SH   SOLE   58,798 0 0
INTUIT COM Stock 461202103 473 1,220 SH   SOLE   1,220 0 0
UNILEVER PLC SPON ADR NEW ADR 904767704 1,119 25,522 SH   SOLE   25,521 0 0
GRAPHIC PACKAGING HLDG CO COM Stock 388689101 350 17,720 SH   SOLE   17,720 0 0
COMCAST CORP NEW CL A Stock 20030N101 517 17,630 SH   SOLE   17,630 0 0
MICROSOFT CORP COM Stock 594918104 13,727 58,938 SH   SOLE   58,938 0 0
VALERO ENERGY CORP COM Stock 91913Y100 4,762 44,565 SH   SOLE   44,565 0 0
CVS HEALTH CORP COM Stock 126650100 752 7,888 SH   SOLE   7,888 0 0
DTE ENERGY CO COM Stock 233331107 1,016 8,828 SH   SOLE   8,828 0 0
SPROTT PHYSICAL GOLD TR UNIT CEF 85207H104 265 20,679 SH   SOLE   20,679 0 0
COMMUNICATION SERVICES SELECT SECTOR SPDR FUND ETF 81369Y852 9,123 190,501 SH   SOLE   190,500 0 0
TILRAY BRANDS INC COM CL 2 Stock 88688T100 71 25,905 SH   SOLE   25,905 0 0
AMERIPRISE FINL INC COM Stock 03076C106 1,325 5,261 SH   SOLE   5,260 0 0
VANGUARD INTERMEDIATE-TERM TREASURY ETF ETF 92206C706 1,022 17,533 SH   SOLE   17,532 0 0
ARES CAPITAL CORP COM CEF 04010L103 7,771 460,386 SH   SOLE   460,386 0 0
BERKSHIRE HATHAWAY INC DEL CL A Stock 084670108 1,219 3 SH   SOLE   3 0 0
VANGUARD SMALL-CAP ETF ETF 922908751 2,233 13,063 SH   SOLE   13,062 0 0
VANGUARD MID-CAP ETF ETF 922908629 3,160 16,808 SH   SOLE   16,807 0 0
NEXTERA ENERGY INC COM Stock 65339F101 813 10,365 SH   SOLE   10,365 0 0
NIKE INC CL B Stock 654106103 392 4,718 SH   SOLE   4,717 0 0
ALIGN TECHNOLOGY INC COM Stock 016255101 200 968 SH   SOLE   968 0 0
URBAN OUTFITTERS INC COM Stock 917047102 324 16,510 SH   SOLE   16,510 0 0
TESLA INC COM Stock 88160R101 2,086 7,864 SH   SOLE   7,864 0 0
MSCI INC COM Stock 55354G100 235 558 SH   SOLE   558 0 0
LINDE PLC SHS Stock G5494J103 314 1,164 SH   SOLE   1,164 0 0
BAIN CAP SPECIALTY FIN INC COM STK CEF 05684B107 715 59,593 SH   SOLE   59,592 0 0
FINANCIAL SELECT SECTOR SPDR FUND ETF 81369Y605 10,923 359,795 SH   SOLE   359,794 0 0
NORFOLK SOUTHN CORP COM Stock 655844108 230 1,099 SH   SOLE   1,099 0 0
ALERIAN MLP ETF ETF 00162Q452 875 23,930 SH   SOLE   23,930 0 0
VANGUARD FTSE EUROPE ETF ETF 922042874 334 7,243 SH   SOLE   7,243 0 0
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702 556 1,808 SH   SOLE   1,808 0 0
WALGREENS BOOTS ALLIANCE INC COM Stock 931427108 340 10,817 SH   SOLE   10,817 0 0
INTERNATIONAL FLAVORS&FRAGRANC COM Stock 459506101 213 2,347 SH   SOLE   2,347 0 0
HANESBRANDS INC COM Stock 410345102 203 29,128 SH   SOLE   29,128 0 0
VANGUARD S&P 500 ETF ETF 922908363 2,859 8,707 SH   SOLE   8,707 0 0
BROWN FORMAN CORP CL A Stock 115637100 277 4,099 SH   SOLE   4,099 0 0
FIFTH THIRD BANCORP COM Stock 316773100 1,274 39,857 SH   SOLE   39,857 0 0
WISDOMTREE EUROPE HEDGED EQUITY FUND ETF 97717X701 347 5,572 SH   SOLE   5,572 0 0
SPDR S&P MIDCAP 400 ETF TRUST ETF 78467Y107 2,489 6,197 SH   SOLE   6,197 0 0
ILLUMINA INC COM Stock 452327109 203 1,066 SH   SOLE   1,066 0 0
GOLUB CAP BDC INC COM CEF 38173M102 258 20,788 SH   SOLE   20,788 0 0
GENERAL MTRS CO COM Stock 37045V100 423 13,184 SH   SOLE   13,184 0 0
HUNTINGTON BANCSHARES INC COM Stock 446150104 355 26,958 SH   SOLE   26,957 0 0
INVESCO S&P 500 EQUAL WEIGHT ETF ETF 46137V357 929 7,300 SH   SOLE   7,300 0 0
JPMORGAN CORPORATE BOND RESEARCH ENHANCED ETF ETF 46641Q449 976 22,463 SH   SOLE   22,463 0 0
OWL ROCK CAPITAL CORPORATION COM CEF 69121K104 3,122 301,074 SH   SOLE   301,074 0 0
WABTEC COM Stock 929740108 267 3,277 SH   SOLE   3,277 0 0
LILLY ELI & CO COM Stock 532457108 1,097 3,392 SH   SOLE   3,391 0 0
AIR PRODS & CHEMS INC COM Stock 009158106 355 1,526 SH   SOLE   1,526 0 0
WISDOMTREE CLOUD COMPUTING FUND ETF 97717Y691 320 11,994 SH   SOLE   11,994 0 0
GRANITESHARES XOUT US LARGE CAP ETF ETF 38747R603 524 16,583 SH   SOLE   16,583 0 0
VANGUARD TOTAL INTERNATIONAL STOCK ETF ETF 921909768 208 4,537 SH   SOLE   4,537 0 0
ISHARES RUSSELL MID-CAP VALUE ETF ETF 464287473 698 7,265 SH   SOLE   7,265 0 0
VANGUARD MORTGAGE-BACKED SECURITIES ETF ETF 92206C771 377 8,356 SH   SOLE   8,356 0 0
VANGUARD S&P 500 GROWTH ETF ETF 921932505 856 4,104 SH   SOLE   4,103 0 0
ISHARES RUSSELL 2000 ETF ETF 464287655 1,640 9,944 SH   SOLE   9,943 0 0
FIDELITY NATL INFORMATION SVCS COM Stock 31620M106 205 2,712 SH   SOLE   2,711 0 0
ISHARES CORE HIGH DIVIDEND ETF ETF 46429B663 8,962 98,170 SH   SOLE   98,169 0 0
HORIZON TECHNOLOGY FIN CORP COM CEF 44045A102 290 29,000 SH   SOLE   29,000 0 0
DUKE ENERGY CORP NEW COM NEW Stock 26441C204 271 2,916 SH   SOLE   2,916 0 0
MICRON TECHNOLOGY INC COM Stock 595112103 407 8,133 SH   SOLE   8,132 0 0
CARRIER GLOBAL CORPORATION COM Stock 14448C104 527 14,806 SH   SOLE   14,805 0 0
JPMORGAN EQUITY PREMIUM INCOME ETF ETF 46641Q332 6,760 131,950 SH   SOLE   131,950 0 0
ROYALTY PHARMA PLC SHS CLASS A Stock G7709Q104 3,375 84,001 SH   SOLE   84,001 0 0
AMERICAN ELEC PWR CO INC COM Stock 025537101 1,826 21,118 SH   SOLE   21,118 0 0
ISHARES RUSSELL MID-CAP GROWTH ETF ETF 464287481 1,161 14,806 SH   SOLE   14,806 0 0
VANGUARD FTSE PACIFIC ETF ETF 922042866 1,131 19,692 SH   SOLE   19,692 0 0
FIRST TRUST CLOUD COMPUTING ETF ETF 33734X192 477 7,894 SH   SOLE   7,894 0 0
VANGUARD SMALL CAP VALUE ETF ETF 922908611 434 3,025 SH   SOLE   3,025 0 0
REGENERON PHARMACEUTICALS COM Stock 75886F107 641 931 SH   SOLE   931 0 0
AIRBNB INC COM CL A Stock 009066101 335 3,193 SH   SOLE   3,193 0 0
VANGUARD MID-CAP GROWTH ETF ETF 922908538 579 3,393 SH   SOLE   3,393 0 0
WHEELS UP EXPERIENCE INC COM CL A Stock 96328L106 23 20,024 SH   SOLE   20,024 0 0
ISHARES MSCI GLOBAL MIN VOL FACTOR ETF ETF 464286525 822 9,285 SH   SOLE   9,285 0 0
VISA INC COM CL A Stock 92826C839 1,645 9,261 SH   SOLE   9,260 0 0
SOMALOGIC INC CLASS A COM Stock 83444K105 41 14,050 SH   SOLE   14,050 0 0
ISHARES CMBS ETF ETF 46429B366 617 13,449 SH   SOLE   13,448 0 0
VANGUARD SMALL-CAP GROWTH ETF ETF 922908595 364 1,863 SH   SOLE   1,863 0 0
VANGUARD VALUE ETF ETF 922908744 340 2,752 SH   SOLE   2,752 0 0
ENPHASE ENERGY INC COM Stock 29355A107 313 1,128 SH   SOLE   1,128 0 0
L3HARRIS TECHNOLOGIES INC COM Stock 502431109 247 1,187 SH   SOLE   1,187 0 0
AMERICAN TOWER CORP NEW COM REIT 03027X100 304 1,416 SH   SOLE   1,416 0 0
ISHARES CORE S&P TOTAL U.S. STOCK MARKET ETF ETF 464287150 347 4,363 SH   SOLE   4,363 0 0
META PLATFORMS INC CL A Stock 30303M102 2,136 15,743 SH   SOLE   15,743 0 0
SERVICENOW INC COM Stock 81762P102 487 1,289 SH   SOLE   1,289 0 0
PALO ALTO NETWORKS INC COM Stock 697435105 527 3,219 SH   SOLE   3,219 0 0
MONDELEZ INTL INC CL A Stock 609207105 570 10,391 SH   SOLE   10,390 0 0
BROADCOM INC COM Stock 11135F101 3,036 6,837 SH   SOLE   6,837 0 0
EATON VANCE TAX MNGED BUY WRIT COM CEF 27828X100 137 10,372 SH   SOLE   10,372 0 0
MARTIN MARIETTA MATLS INC COM Stock 573284106 400 1,243 SH   SOLE   1,243 0 0
MAGNA INTL INC COM Stock 559222401 580 12,237 SH   SOLE   12,237 0 0
NOVARTIS AG SPONSORED ADR ADR 66987V109 730 9,602 SH   SOLE   9,601 0 0
ISHARES CORE MSCI EAFE ETF ETF 46432F842 5,641 107,095 SH   SOLE   107,094 0 0
ACCENTURE PLC IRELAND SHS CLASS A Stock G1151C101 806 3,134 SH   SOLE   3,134 0 0
MOHAWK INDS INC COM Stock 608190104 255 2,798 SH   SOLE   2,798 0 0
SPDR BLOOMBERG INVESTMENT GRADE FLOATING RATE ETF ETF 78468R200 1,078 35,573 SH   SOLE   35,573 0 0
NVIDIA CORPORATION COM Stock 67066G104 11,211 92,357 SH   SOLE   92,357 0 0
ISHARES 1-5 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288646 5,076 103,002 SH   SOLE   103,001 0 0
GRAINGER W W INC COM Stock 384802104 366 748 SH   SOLE   748 0 0
ABBVIE INC COM Stock 00287Y109 1,435 10,696 SH   SOLE   10,695 0 0
S&P GLOBAL INC COM Stock 78409V104 320 1,047 SH   SOLE   1,046 0 0
SPDR S&P BIOTECH ETF ETF 78464A870 249 3,137 SH   SOLE   3,137 0 0
ISHARES CORE MSCI EMERGING MARKETS ETF ETF 46434G103 3,162 73,570 SH   SOLE   73,570 0 0
VANGUARD TOTAL BOND MARKET ETF ETF 921937835 1,645 23,059 SH   SOLE   23,059 0 0
VANGUARD FTSE ALL-WORLD EX-US INDEX FUND ETF 922042775 1,494 33,675 SH   SOLE   33,675 0 0
ISHARES MSCI EMERGING MARKETS SMALL CAP ETF ETF 464286475 303 6,687 SH   SOLE   6,686 0 0
ZOETIS INC CL A Stock 98978V103 373 2,514 SH   SOLE   2,514 0 0
TRUSTCO BK CORP N Y COM NEW Stock 898349204 365 11,611 SH   SOLE   11,611 0 0
ISHARES RUSSELL 2000 GROWTH ETF ETF 464287648 752 3,642 SH   SOLE   3,642 0 0
BLACKSTONE INC COM Stock 09260D107 2,511 29,998 SH   SOLE   29,997 0 0
CHURCH & DWIGHT CO INC COM Stock 171340102 5,647 79,043 SH   SOLE   79,043 0 0
STRYKER CORPORATION COM Stock 863667101 247 1,221 SH   SOLE   1,221 0 0
QUALCOMM INC COM Stock 747525103 596 5,279 SH   SOLE   5,278 0 0
SPDR BLACKSTONE SENIOR LOAN ETF ETF 78467V608 680 16,643 SH   SOLE   16,642 0 0
GENERAL DYNAMICS CORP COM Stock 369550108 340 1,601 SH   SOLE   1,601 0 0
INTUITIVE SURGICAL INC COM NEW Stock 46120E602 238 1,268 SH   SOLE   1,268 0 0
MCDONALDS CORP COM Stock 580135101 2,765 11,981 SH   SOLE   11,981 0 0
INTERCONTINENTAL EXCHANGE INC COM Stock 45866F104 283 3,133 SH   SOLE   3,132 0 0
CISCO SYS INC COM Stock 17275R102 3,220 80,488 SH   SOLE   80,487 0 0
CAPITAL ONE FINL CORP COM Stock 14040H105 1,533 16,638 SH   SOLE   16,637 0 0
ISHARES RUSSELL MIDCAP ETF ETF 464287499 688 11,064 SH   SOLE   11,064 0 0
ADVANCED MICRO DEVICES INC COM Stock 007903107 338 5,342 SH   SOLE   5,341 0 0
AUTODESK INC COM Stock 052769106 442 2,368 SH   SOLE   2,368 0 0
AT&T INC COM Stock 00206R102 564 36,763 SH   SOLE   36,762 0 0
VANGUARD FINANCIALS ETF ETF 92204A405 302 4,055 SH   SOLE   4,055 0 0
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506 7,404 102,807 SH   SOLE   102,807 0 0
MATERIALS SELECT SECTOR SPDR FUND ETF 81369Y100 6,873 101,055 SH   SOLE   101,054 0 0
ISHARES IBOXX $ HIGH YIELD CORPORATE BOND ETF ETF 464288513 3,509 49,158 SH   SOLE   49,158 0 0
ISHARES S&P SMALL-CAP 600 GROWTH ETF ETF 464287887 211 2,078 SH   SOLE   2,078 0 0
INFINERA CORP COM Stock 45667G103 111 22,900 SH   SOLE   22,900 0 0
CONSUMER DISCRETIONARY SELECT SECTOR SPDR FUND ETF 81369Y407 15,346 107,727 SH   SOLE   107,727 0 0
INDUSTRIAL SELECT SECTOR SPDR FUND ETF 81369Y704 7,022 84,772 SH   SOLE   84,771 0 0
BLACKROCK SHORT MATURITY BOND ETF ETF 46431W507 333 6,764 SH   SOLE   6,764 0 0
ISHARES S&P 500 VALUE ETF ETF 464287408 6,713 52,236 SH   SOLE   52,235 0 0
SPDR PORTFOLIO S&P 600 SMALL CAP ETF ETF 78468R853 258 7,560 SH   SOLE   7,560 0 0
ISHARES S&P 500 GROWTH ETF ETF 464287309 9,246 159,832 SH   SOLE   159,831 0 0
ISHARES CORE S&P 500 ETF ETF 464287200 29,737 82,914 SH   SOLE   82,914 0 0
CIGNA CORP NEW COM Stock 125523100 334 1,202 SH   SOLE   1,202 0 0
WELLS FARGO CO NEW COM Stock 949746101 374 9,304 SH   SOLE   9,304 0 0
UNION PAC CORP COM Stock 907818108 10,950 56,208 SH   SOLE   56,207 0 0
ISHARES MBS ETF ETF 464288588 387 4,225 SH   SOLE   4,225 0 0
ISHARES PREFERRED & INCOME SECURITIES ETF ETF 464288687 7,593 239,762 SH   SOLE   239,761 0 0
SALESFORCE INC COM Stock 79466L302 1,028 7,150 SH   SOLE   7,150 0 0
MCCORMICK & CO INC COM NON VTG Stock 579780206 301 4,227 SH   SOLE   4,227 0 0
NORTHROP GRUMMAN CORP COM Stock 666807102 2,522 5,362 SH   SOLE   5,362 0 0
SPDR EURO STOXX 50 ETF ETF 78463X202 3,026 98,364 SH   SOLE   98,364 0 0
THERMO FISHER SCIENTIFIC INC COM Stock 883556102 527 1,038 SH   SOLE   1,038 0 0
VANGUARD MID-CAP VALUE ETF ETF 922908512 308 2,532 SH   SOLE   2,532 0 0
LOCKHEED MARTIN CORP COM Stock 539830109 412 1,067 SH   SOLE   1,066 0 0
JPMORGAN CHASE & CO COM Stock 46625H100 7,164 68,557 SH   SOLE   68,556 0 0
ISHARES 5-10 YEAR INVESTMENT GRADE CORPORATE BOND ETF ETF 464288638 1,378 28,541 SH   SOLE   28,541 0 0
SPDR PORTFOLIO EMERGING MARKETS ETF ETF 78463X509 806 25,963 SH   SOLE   25,963 0 0
CHEVRON CORP NEW COM Stock 166764100 5,489 38,203 SH   SOLE   38,202 0 0
ISHARES NATIONAL MUNI BOND ETF ETF 464288414 5,270 51,378 SH   SOLE   51,377 0 0
CONOCOPHILLIPS COM Stock 20825C104 3,831 37,432 SH   SOLE   37,432 0 0
VANGUARD FTSE DEVELOPED MARKETS ETF ETF 921943858 684 18,803 SH   SOLE   18,803 0 0
DANAHER CORPORATION COM Stock 235851102 7,427 28,755 SH   SOLE   28,754 0 0
M & T BK CORP COM Stock 55261F104 216 1,228 SH   SOLE   1,227 0 0
BK OF AMERICA CORP COM Stock 060505104 2,168 71,786 SH   SOLE   71,785 0 0
SPDR S&P DIVIDEND ETF ETF 78464A763 5,266 47,230 SH   SOLE   47,229 0 0
WALMART INC COM Stock 931142103 5,734 44,213 SH   SOLE   44,212 0 0
INTERNATIONAL BUSINESS MACHS COM Stock 459200101 736 6,193 SH   SOLE   6,193 0 0
ORACLE CORP COM Stock 68389X105 384 6,295 SH   SOLE   6,295 0 0
RAYTHEON TECHNOLOGIES CORP COM Stock 75513E101 2,265 27,675 SH   SOLE   27,675 0 0
TEXAS INSTRS INC COM Stock 882508104 10,116 65,357 SH   SOLE   65,357 0 0
TARGET CORP COM Stock 87612E106 493 3,322 SH   SOLE   3,322 0 0
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406 1,467 15,457 SH   SOLE   15,457 0 0
PFIZER INC COM Stock 717081103 2,838 64,861 SH   SOLE   64,860 0 0
ISHARES IBOXX $ INVESTMENT GRADE CORPORATE BOND ETF ETF 464287242 3,558 34,732 SH   SOLE   34,731 0 0
MORGAN STANLEY COM NEW Stock 617446448 480 6,074 SH   SOLE   6,074 0 0
3M CO COM Stock 88579Y101 438 3,963 SH   SOLE   3,963 0 0
KLA CORP COM NEW Stock 482480100 656 2,166 SH   SOLE   2,166 0 0
GILEAD SCIENCES INC COM Stock 375558103 393 6,367 SH   SOLE   6,367 0 0
CATERPILLAR INC COM Stock 149123101 966 5,885 SH   SOLE   5,884 0 0
ALPHABET INC CAP STK CL C Stock 02079K107 3,896 40,522 SH   SOLE   40,521 0 0
AMERICAN EXPRESS CO COM Stock 025816109 584 4,332 SH   SOLE   4,332 0 0
AMGEN INC COM Stock 031162100 967 4,292 SH   SOLE   4,291 0 0
APPLIED MATLS INC COM Stock 038222105 242 2,953 SH   SOLE   2,953 0 0
OTIS WORLDWIDE CORP COM Stock 68902V107 399 6,254 SH   SOLE   6,254 0 0
ANALOG DEVICES INC COM Stock 032654105 285 2,043 SH   SOLE   2,042 0 0
HUMANA INC COM Stock 444859102 219 452 SH   SOLE   452 0 0
WILLIAMS COS INC COM Stock 969457100 221 7,728 SH   SOLE   7,728 0 0
INVESCO VARIABLE RATE PREFERRED ETF ETF 46138G870 391 17,849 SH   SOLE   17,849 0 0
CHECK POINT SOFTWARE TECH LTD ORD Stock M22465104 4,005 35,756 SH   SOLE   35,756 0 0
VANGUARD DIVIDEND APPRECIATION ETF ETF 921908844 1,612 11,923 SH   SOLE   11,923 0 0
ISHARES MSCI EAFE SMALL-CAP ETF ETF 464288273 1,068 21,902 SH   SOLE   21,902 0 0
ISHARES CORE U.S. AGGREGATE BOND ETF ETF 464287226 773 8,025 SH   SOLE   8,024 0 0
EATON CORP PLC SHS Stock G29183103 326 2,442 SH   SOLE   2,442 0 0
ISHARES CORE MSCI EUROPE ETF ETF 46434V738 10,293 260,331 SH   SOLE   260,330 0 0
ISHARES EXPANDED TECH SECTOR ETF ETF 464287549 232 839 SH   SOLE   839 0 0
ISHARES S&P MID-CAP 400 GROWTH ETF ETF 464287606 752 11,927 SH   SOLE   11,927 0 0
ISHARES S&P MID-CAP 400 VALUE ETF ETF 464287705 429 4,771 SH   SOLE   4,771 0 0
ISHARES INTERMEDIATE GOVERNMENT/CREDIT BOND ETF ETF 464288612 878 8,632 SH   SOLE   8,631 0 0
AXALTA COATING SYS LTD COM Stock G0750C108 306 14,535 SH   SOLE   14,535 0 0
CORBUS PHARMACEUTICALS HLDGS I COM Stock 21833P103 2 13,420 SH   SOLE   13,420 0 0
VANGUARD SHORT-TERM BOND ETF ETF 921937827 4,190 55,995 SH   SOLE   55,994 0 0
GARTNER INC COM Stock 366651107 241 871 SH   SOLE   871 0 0
SPDR PORTFOLIO S&P 500 GROWTH ETF ETF 78464A409 2,351 46,925 SH   SOLE   46,924 0 0
SPDR PORTFOLIO S&P 500 VALUE ETF ETF 78464A508 783 22,697 SH   SOLE   22,697 0 0
PHILIP MORRIS INTL INC COM Stock 718172109 683 8,222 SH   SOLE   8,221 0 0
ROPER TECHNOLOGIES INC COM Stock 776696106 2,766 7,691 SH   SOLE   7,691 0 0
PNC FINL SVCS GROUP INC COM Stock 693475105 409 2,739 SH   SOLE   2,738 0 0
BRISTOL-MYERS SQUIBB CO COM Stock 110122108 920 12,943 SH   SOLE   12,942 0 0
ISHARES RUSSELL 3000 ETF ETF 464287689 982 4,743 SH   SOLE   4,743 0 0
REALTY INCOME CORP COM REIT 756109104 245 4,209 SH   SOLE   4,208 0 0
ALTRIA GROUP INC COM Stock 02209S103 314 7,780 SH   SOLE   7,780 0 0
DOMINION ENERGY INC COM Stock 25746U109 694 10,038 SH   SOLE   10,037 0 0
CITIGROUP INC COM NEW Stock 172967424 285 6,847 SH   SOLE   6,846 0 0
EXXON MOBIL CORP COM Stock 30231G102 2,849 32,635 SH   SOLE   32,634 0 0
UNITEDHEALTH GROUP INC COM Stock 91324P102 2,276 4,507 SH   SOLE   4,506 0 0
PRICE T ROWE GROUP INC COM Stock 74144T108 341 3,243 SH   SOLE   3,243 0 0
TRAVELERS COMPANIES INC COM Stock 89417E109 280 1,825 SH   SOLE   1,825 0 0
LOWES COS INC COM Stock 548661107 8,317 44,285 SH   SOLE   44,285 0 0
ARK INNOVATION ETF ETF 00214Q104 114 3,017 SH   SOLE   3,017 0 0
DEERE & CO COM Stock 244199105 1,826 5,469 SH   SOLE   5,469 0 0
ISHARES INTEREST RATE HEDGED CORPORATE BOND ETF ETF 46431W705 885 9,974 SH   SOLE   9,974 0 0
COLGATE PALMOLIVE CO COM Stock 194162103 286 4,073 SH   SOLE   4,073 0 0
DEVON ENERGY CORP NEW COM Stock 25179M103 284 4,716 SH   SOLE   4,715 0 0
UTILITIES SELECT SECTOR SPDR FUND ETF 81369Y886 8,859 135,238 SH   SOLE   135,237 0 0
KRAFT HEINZ CO COM Stock 500754106 813 24,373 SH   SOLE   24,372 0 0
PAYPAL HLDGS INC COM Stock 70450Y103 642 7,464 SH   SOLE   7,464 0 0
SCHWAB CHARLES CORP COM Stock 808513105 277 3,853 SH   SOLE   3,852 0 0
SPDR PORTFOLIO DEVELOPED WORLD EX-US ETF ETF 78463X889 4,132 160,146 SH   SOLE   160,146 0 0
CROWN CASTLE INC COM REIT 22822V101 369 2,550 SH   SOLE   2,550 0 0
BLACKROCK INC COM Stock 09247X101 556 1,010 SH   SOLE   1,010 0 0
ISHARES CORE S&P MID-CAP ETF ETF 464287507 19,877 90,656 SH   SOLE   90,655 0 0
ISHARES MSCI EAFE ETF ETF 464287465 1,095 19,555 SH   SOLE   19,554 0 0
APPLE INC COM Stock 037833100 28,174 203,861 SH   SOLE   203,861 0 0
GOLDMAN SACHS ACTIVEBETA U.S. LARGE CAP EQUITY ETF ETF 381430503 2,578 36,305 SH   SOLE   36,305 0 0
ABBOTT LABS COM Stock 002824100 7,318 75,632 SH   SOLE   75,632 0 0
DISNEY WALT CO COM Stock 254687106 5,762 61,087 SH   SOLE   61,087 0 0
ISHARES RUSSELL 1000 ETF ETF 464287622 1,266 6,414 SH   SOLE   6,414 0 0
SPDR BLOOMBERG 1-3 MONTH T-BILL ETF ETF 78468R663 398 4,346 SH   SOLE   4,346 0 0
MARSH & MCLENNAN COS INC COM Stock 571748102 443 2,969 SH   SOLE   2,968 0 0
ISHARES RUSSELL 1000 VALUE ETF ETF 464287598 15,258 112,203 SH   SOLE   112,202 0 0