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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
Accenture PLC Ireland SHS CLASS A G1151C101 591 2,128 SH   SOLE   0 0 2,128
ALPHABET INC CAP STK CL C 02079K107 223 102 SH   SOLE   0 0 102
Amazon Com Inc COM 023135106 243 2,286 SH   SOLE   0 0 2,286
Apple Inc COM 037833100 1,562 11,426 SH   SOLE   0 0 11,426
Berkshire Hathaway Inc Del CL B NEW 084670702 10,827 39,655 SH   SOLE   0 0 39,655
Berkshire Hathaway Inc Del CL A 084670108 818 2 SH   SOLE   0 0 2
Cboe Global Mkts Inc COM 12503M108 581 5,131 SH   SOLE   0 0 5,131
Eaton Vance Tax-Managed Glob COM 27829F108 102 13,200 SH   SOLE   0 0 13,200
Hackett Group Inc COM 404609109 418 22,030 SH   SOLE   0 0 22,030
HOME DEPOT INC COM 437076102 200 730 SH   SOLE   0 0 730
IShares Gold Trust ISHARES 464285105 255 7,441 SH   SOLE   0 0 7,441
Ishares Tr CORE S&P 500 ETF 464287200 1,247 3,290 SH   SOLE   0 0 3,290
Ishares Tr S & P SML 600 GWT 464287887 243 2,304 SH   SOLE   0 0 2,304
Ishares Tr CORE S&P SCP ETF 464287804 923 9,988 SH   SOLE   0 0 9,988
Ishares Tr SP SMCP600VL ETF 464287879 355 3,993 SH   SOLE   0 0 3,993
Ishares Tr CORE 1 5 YR USD 46432F859 40,215 848,413 SH   SOLE   0 0 848,413
Ishares Tr CORE S&P TTL STK 464287150 16,636 198,564 SH   SOLE   0 0 198,564
Ishares Tr CORE MSCI TOTAL 46432F834 25,051 439,268 SH   SOLE   0 0 439,268
JPMORGAN CHASE & CO COM 46625H100 804 7,143 SH   SOLE   0 0 7,143
M & T BK CORP COM 55261F104 396 2,484 SH   SOLE   0 0 2,484
Microsoft Corp COM 594918104 811 3,159 SH   SOLE   0 0 3,159
NORTHROP GRUMMAN COM 666807102 1,646 3,439 SH   SOLE   0 0 3,439
Nuveen Qual Pfd Inc Fd NUVEEN PFD & INCM SECURITIES 67072C105 101 13,930 SH   SOLE   0 0 13,930
Republic Svcs Inc COM 760759100 366 2,800 SH   SOLE   0 0 2,800
Schwab Strategic Tr US LRG CAP ETF 808524201 3,646 81,629 SH   SOLE   0 0 81,629
Schwab Strategic Tr US BRD MRK ETF 808524102 2,689 60,843 SH   SOLE   0 0 60,843
Schwab Strategic Tr US LCAP GR ETF 808524300 768 13,241 SH   SOLE   0 0 13,241
Schwab Strategic Tr US MID-CAP ETF 808524508 355 5,663 SH   SOLE   0 0 5,663
Schwab Strategic Tr US LCAP VA ETF 808524409 517 8,276 SH   SOLE   0 0 8,276
Schwab Strategic Tr INTL EQTY ETF 808524805 436 13,858 SH   SOLE   0 0 13,858
Schwab Strategic Tr US DIVIDEND EQ 808524797 3,421 47,754 SH   SOLE   0 0 47,754
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 4,992 101,494 SH   SOLE   0 0 101,494
Spdr Index Shs Fds PORTFOLIO DEVLPD 78463X889 575 19,934 SH   SOLE   0 0 19,934
Spdr Ser Tr PRTFLO S&P 500 GW 78464A409 238 4,550 SH   SOLE   0 0 4,550
SPDR SER TR PORTFOLIO S&P500 78464A854 1,221 27,537 SH   SOLE   0 0 27,537
UNION PAC CORP COM 907818108 696 3,264 SH   SOLE   0 0 3,264
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 29,123 379,249 SH   SOLE   0 0 379,249
Vanguard Index Fds GROWTH ETF 922908736 1,651 7,409 SH   SOLE   0 0 7,409
Vanguard Index Fds S&P 500 ETF SHS 922908363 1,443 4,159 SH   SOLE   0 0 4,159
Vanguard Index Fds MID CAP ETF 922908629 675 3,429 SH   SOLE   0 0 3,429
Vanguard Index Fds TOTAL STK MKT 922908769 24,106 127,801 SH   SOLE   0 0 127,801
Vanguard Index Funds VALUE ETF 922908744 917 6,954 SH   SOLE   0 0 6,954
Vanguard Intl Equity Index F TT WRLD ST ETF 922042742 15,272 178,954 SH   SOLE   0 0 178,954
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,177 41,659 SH   SOLE   0 0 41,659
Vanguard Star Funds VG TL INTL STK F 921909768 7,060 136,799 SH   SOLE   0 0 136,799
Walmart Inc. COM 931142103 344 2,831 SH   SOLE   0 0 2,831