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 548 2,128 SH   SOLE   0 0 2,128
ALPHABET INC CAP STK CL C 02079K107 256 2,665 SH   SOLE   0 0 2,665
Amazon Com Inc COM 023135106 356 3,151 SH   SOLE   0 0 3,151
Apple Inc COM 037833100 1,702 12,315 SH   SOLE   0 0 12,315
Berkshire Hathaway Inc Del CL B NEW 084670702 11,382 42,626 SH   SOLE   0 0 42,626
Berkshire Hathaway Inc Del CL A 084670108 813 2 SH   SOLE   0 0 2
Cboe Global Mkts Inc COM 12503M108 602 5,131 SH   SOLE   0 0 5,131
Eaton Vance Tax-Managed Glob COM 27829F108 96 13,200 SH   SOLE   0 0 13,200
HOME DEPOT INC COM 437076102 201 730 SH   SOLE   0 0 730
IShares Gold Trust ISHARES 464285105 235 7,441 SH   SOLE   0 0 7,441
Ishares Tr CORE S&P 500 ETF 464287200 1,769 4,933 SH   SOLE   0 0 4,933
Ishares Tr S & P SML 600 GWT 464287887 234 2,304 SH   SOLE   0 0 2,304
Ishares Tr CORE S&P SCP ETF 464287804 871 9,988 SH   SOLE   0 0 9,988
Ishares Tr SP SMCP600VL ETF 464287879 329 3,993 SH   SOLE   0 0 3,993
Ishares Tr CORE 1 5 YR USD 46432F859 38,843 842,583 SH   SOLE   0 0 842,583
Ishares Tr CORE S&P TTL STK 464287150 16,796 211,160 SH   SOLE   0 0 211,160
Ishares Tr CORE MSCI TOTAL 46432F834 22,421 440,322 SH   SOLE   0 0 440,322
M & T BK CORP COM 55261F104 438 2,484 SH   SOLE   0 0 2,484
Microsoft Corp COM 594918104 800 3,434 SH   SOLE   0 0 3,434
NORTHROP GRUMMAN COM 666807102 1,623 3,451 SH   SOLE   0 0 3,451
Nuveen Qual Pfd Inc Fd NUVEEN PFD & INCM SECURITIES 67072C105 92 13,930 SH   SOLE   0 0 13,930
Republic Svcs Inc COM 760759100 381 2,800 SH   SOLE   0 0 2,800
Schwab Strategic Tr US LRG CAP ETF 808524201 4,421 104,399 SH   SOLE   0 0 104,399
Schwab Strategic Tr US BRD MRK ETF 808524102 3,984 94,875 SH   SOLE   0 0 94,875
Schwab Strategic Tr US LCAP GR ETF 808524300 761 13,641 SH   SOLE   0 0 13,641
Schwab Strategic Tr US MID-CAP ETF 808524508 331 5,463 SH   SOLE   0 0 5,463
Schwab Strategic Tr US LCAP VA ETF 808524409 456 7,785 SH   SOLE   0 0 7,785
Schwab Strategic Tr INTL EQTY ETF 808524805 390 13,858 SH   SOLE   0 0 13,858
Schwab Strategic Tr US DIVIDEND EQ 808524797 3,294 49,589 SH   SOLE   0 0 49,589
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 5,151 106,741 SH   SOLE   0 0 106,741
Spdr Index Shs Fds PORTFOLIO DEVLPD 78463X889 484 18,748 SH   SOLE   0 0 18,748
Spdr Ser Tr PRTFLO S&P 500 GW 78464A409 229 4,562 SH   SOLE   0 0 4,562
SPDR SER TR PORTFOLIO S&P500 78464A854 2,385 56,795 SH   SOLE   0 0 56,795
UNION PAC CORP COM 907818108 793 4,069 SH   SOLE   0 0 4,069
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 29,388 392,783 SH   SOLE   0 0 392,783
Vanguard Index Fds GROWTH ETF 922908736 1,990 9,303 SH   SOLE   0 0 9,303
Vanguard Index Fds S&P 500 ETF SHS 922908363 2,363 7,198 SH   SOLE   0 0 7,198
Vanguard Index Fds MID CAP ETF 922908629 646 3,435 SH   SOLE   0 0 3,435
Vanguard Index Fds TOTAL STK MKT 922908769 23,280 129,714 SH   SOLE   0 0 129,714
Vanguard Index Funds VALUE ETF 922908744 871 7,056 SH   SOLE   0 0 7,056
Vanguard Intl Equity Index F TT WRLD ST ETF 922042742 10,321 130,847 SH   SOLE   0 0 130,847
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3,255 43,821 SH   SOLE   0 0 43,821
Vanguard Star Funds VG TL INTL STK F 921909768 6,526 142,586 SH   SOLE   0 0 142,586
Walmart Inc. COM 931142103 368 2,839 SH   SOLE   0 0 2,839