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 023135106 232 2,050 SH   SOLE   0 0 2,050
AMERICAN CENTY ETF TR AVANTIS EMGMKT 025072604 587 12,789 SH   SOLE   0 0 12,789
AMERICAN CENTY ETF TR INTL EQT ETF 025072703 987 21,638 SH   SOLE   0 0 21,638
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 290 6,105 SH   SOLE   0 0 6,105
APPLE INC COM 037833100 1,342 9,712 SH   SOLE   0 0 9,712
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104 541 21,518 SH   SOLE   0 0 21,518
DIMENSIONAL ETF TRUST US EQUITY ETF 25434V401 3,582 92,283 SH   SOLE   0 0 92,282
DIMENSIONAL ETF TRUST US SMALL CAP ETF 25434V500 2,677 57,544 SH   SOLE   0 0 57,544
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609 12,211 313,339 SH   SOLE   0 0 313,338
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708 26,213 1,178,632 SH   SOLE   0 0 1,178,632
DIMENSIONAL ETF TRUST US MKTWIDE VALUE 25434V724 11,168 377,176 SH   SOLE   0 0 377,175
DIMENSIONAL ETF TRUST INTL SMALL CAP V 25434V781 527 28,373 SH   SOLE   0 0 28,373
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807 8,613 334,362 SH   SOLE   0 0 334,362
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880 4,417 233,826 SH   SOLE   0 0 233,826
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107 509 20,577 SH   SOLE   0 0 20,577
GOLDMAN SACHS ETF TR ACTIVEBETA EME 381430206 777 30,090 SH   SOLE   0 0 30,090
INVESCO QQQ TR UNIT SER 1 46090E103 367 1,375 SH   SOLE   0 0 1,375
ISHARES GOLD TR ISHARES NEW 464285204 227 7,213 SH   SOLE   0 0 7,213
ISHARES TR EXPANDED TECH 464287515 543 2,170 SH   SOLE   0 0 2,170
ISHARES TR EAFE VALUE ETF 464288877 254 6,605 SH   SOLE   0 0 6,605
ISHARES TR MSCI USA VALUE 46432F388 440 5,380 SH   SOLE   0 0 5,380
ISHARES TR MSCI USA MMENTM 46432F396 385 2,938 SH   SOLE   0 0 2,938
M & T BK CORP COM 55261F104 224 1,273 SH   SOLE   0 0 1,273
MICROSOFT CORP COM 594918104 260 1,115 SH   SOLE   0 0 1,115
PIMCO NEW YORK MUN FD II COM 72200Y102 122 15,585 SH   SOLE   0 0 15,585
PIMCO NEW YORK MUN INCOME FD COM 72201E105 114 16,575 SH   SOLE   0 0 16,575
RYAN SPECIALTY HOLDINGS INC CL A 78351F107 1,357 33,397 SH   SOLE   0 0 33,397
SPDR S&P 500 ETF TR TR UNIT 78462F103 988 2,765 SH   SOLE   0 0 2,765
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 2,103 37,689 SH   SOLE   0 0 37,688
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 2,473 51,240 SH   SOLE   0 0 51,240
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 819 6,059 SH   SOLE   0 0 6,059
VANGUARD STAR FDS VG TL INTL STK F 921909768 320 6,988 SH   SOLE   0 0 6,987
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 440 2,110 SH   SOLE   0 0 2,110
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 750 7,900 SH   SOLE   0 0 7,900
VANGUARD INDEX FDS SML CP GRW ETF 922908595 317 1,625 SH   SOLE   0 0 1,624
VANGUARD INDEX FDS SM CP VAL ETF 922908611 437 3,045 SH   SOLE   0 0 3,045
VANGUARD INDEX FDS GROWTH ETF 922908736 280 1,308 SH   SOLE   0 0 1,308
VANGUARD INDEX FDS VALUE ETF 922908744 290 2,350 SH   SOLE   0 0 2,349
VANGUARD INDEX FDS TOTAL STK MKT 922908769 253 1,412 SH   SOLE   0 0 1,412
WISDOMTREE TR US QTLY DIV GRT 97717X669 813 15,075 SH   SOLE   0 0 15,075