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
Accenture PLC Ireland SHS CLASS A G1151C101   567,836 2,128 SH   SOLE   0 0 2,128
ALPHABET INC CAP STK CL A 02079K305   295,129 3,345 SH   SOLE   0 0 3,345
ALPHABET INC CAP STK CL C 02079K107   258,648 2,915 SH   SOLE   0 0 2,915
Amazon Com Inc COM 023135106   695,604 8,281 SH   SOLE   0 0 8,281
Apple Inc COM 037833100   2,122,653 16,337 SH   SOLE   0 0 16,337
APPLIED MATLS INC COM 038222105   311,616 3,200 SH   SOLE   0 0 3,200
AUTODESK INC COM 052769106   224,244 1,200 SH   SOLE   0 0 1,200
Berkshire Hathaway Inc Del CL B NEW 084670702   13,201,150 42,736 SH   SOLE   0 0 42,736
Berkshire Hathaway Inc Del CL A 084670108   937,422 2 SH   SOLE   0 0 2
Cboe Global Mkts Inc COM 12503M108   643,787 5,131 SH   SOLE   0 0 5,131
COSTCO WHSL CORP NEW COM 22160K105   338,267 741 SH   SOLE   0 0 741
Eaton Vance Tax-Managed Glob COM 27829F108   99,660 13,200 SH   SOLE   0 0 13,200
HOME DEPOT INC COM 437076102   404,301 1,280 SH   SOLE   0 0 1,280
INVITAE CORP COM 46185L103   26,970 14,500 SH   SOLE   0 0 14,500
IShares Gold Trust ISHARES 464285105   298,027 8,616 SH   SOLE   0 0 8,616
Ishares Tr CORE S&P 500 ETF 464287200   2,789,991 7,262 SH   SOLE   0 0 7,262
Ishares Tr S & P SML 600 GWT 464287887   250,602 2,319 SH   SOLE   0 0 2,319
Ishares Tr CORE S&P SCP ETF 464287804   740,890 7,829 SH   SOLE   0 0 7,829
Ishares Tr SP SMCP600VL ETF 464287879   362,806 3,973 SH   SOLE   0 0 3,973
Ishares Tr CORE 1 5 YR USD 46432F859   37,833,245 814,669 SH   SOLE   0 0 814,669
Ishares Tr CORE S&P TTL STK 464287150   18,777,733 221,436 SH   SOLE   0 0 221,436
Ishares Tr CORE MSCI TOTAL 46432F834   25,204,001 435,453 SH   SOLE   0 0 435,453
M & T BK CORP COM 55261F104   360,329 2,484 SH   SOLE   0 0 2,484
Microsoft Corp COM 594918104   1,004,744 4,190 SH   SOLE   0 0 4,190
NETFLIX INC COM 64110L106   342,651 1,162 SH   SOLE   0 0 1,162
NORTHROP GRUMMAN COM 666807102   890,436 1,632 SH   SOLE   0 0 1,632
NVIDIA CORPORATION COM 67066G104   1,014,066 6,939 SH   SOLE   0 0 6,939
Republic Svcs Inc COM 760759100   361,172 2,800 SH   SOLE   0 0 2,800
Schwab Strategic Tr US LRG CAP ETF 808524201   4,683,917 103,741 SH   SOLE   0 0 103,741
Schwab Strategic Tr US BRD MRK ETF 808524102   4,543,113 101,386 SH   SOLE   0 0 101,386
Schwab Strategic Tr US LCAP GR ETF 808524300   693,548 12,483 SH   SOLE   0 0 12,483
Schwab Strategic Tr US LCAP VA ETF 808524409   483,195 7,319 SH   SOLE   0 0 7,319
Schwab Strategic Tr INTL EQTY ETF 808524805   298,140 9,256 SH   SOLE   0 0 9,256
Schwab Strategic Tr US DIVIDEND EQ 808524797   4,501,607 59,592 SH   SOLE   0 0 59,592
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   6,424,937 133,187 SH   SOLE   0 0 133,187
SONY GROUP CORPORATION SPONSORED ADR 835699307   230,747 3,025 SH   SOLE   0 0 3,025
Spdr Index Shs Fds PORTFOLIO DEVLPD 78463X889   532,910 17,949 SH   SOLE   0 0 17,949
Spdr Ser Tr PRTFLO S&P 500 GW 78464A409   231,790 4,575 SH   SOLE   0 0 4,575
SPDR SER TR PORTFOLIO S&P500 78464A854   4,522,661 100,548 SH   SOLE   0 0 100,548
TESLA INC COM 88160R101   228,745 1,857 SH   SOLE   0 0 1,857
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   29,993,690 398,428 SH   SOLE   0 0 398,428
Vanguard Index Fds GROWTH ETF 922908736   1,966,647 9,228 SH   SOLE   0 0 9,228
Vanguard Index Fds S&P 500 ETF SHS 922908363   2,770,674 7,886 SH   SOLE   0 0 7,886
Vanguard Index Fds MID CAP ETF 922908629   619,295 3,039 SH   SOLE   0 0 3,039
Vanguard Index Fds TOTAL STK MKT 922908769   25,558,968 133,684 SH   SOLE   0 0 133,684
Vanguard Index Funds VALUE ETF 922908744   1,006,925 7,173 SH   SOLE   0 0 7,173
Vanguard Intl Equity Index F TT WRLD ST ETF 922042742   9,120,112 105,814 SH   SOLE   0 0 105,814
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   4,105,952 54,608 SH   SOLE   0 0 54,608
Vanguard Star Funds VG TL INTL STK F 921909768   7,655,925 148,026 SH   SOLE   0 0 148,026
VISA INC COM CL A 92826C839   414,137 1,993 SH   SOLE   0 0 1,993
Walmart Inc. COM 931142103   402,528 2,839 SH   SOLE   0 0 2,839