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
22ND CENTY GROUP INC COM 90137F103 12 12,471 SH   SOLE   0 0 12,471
AMAZON COM INC COM 023135106 849 7,515 SH   SOLE   0 0 7,515
APPLE INC COM 037833100 7,825 56,618 SH   SOLE   0 0 56,618
BERKSHIRE HATHAWAY INC DEL CL A 084670108 813 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 873 3,269 SH   SOLE   0 0 3,269
DIGIMARC CORP NEW COM 25381B101 636 46,916 SH   SOLE   0 0 46,916
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824 1,423 33,885 SH   SOLE   0 0 33,885
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816 856 20,823 SH   SOLE   0 0 20,823
INVESCO QQQ TR UNIT SER 1 46090E103 204 764 SH   SOLE   0 0 764
ISHARES INC CORE MSCI EMKT 46434G103 8,335 193,915 SH   SOLE   0 0 193,915
ISHARES INC MSCI EMERG MRKT 464286533 481 9,487 SH   SOLE   0 0 9,487
ISHARES INC MSCI GBL MIN VOL 464286525 5,554 62,711 SH   SOLE   0 0 62,711
ISHARES TR CORE MSCI EAFE 46432F842 1,735 32,937 SH   SOLE   0 0 32,937
ISHARES TR CORE S&P MCP ETF 464287507 16,650 75,929 SH   SOLE   0 0 75,929
ISHARES TR CORE S&P SCP ETF 464287804 10,682 122,514 SH   SOLE   0 0 122,514
ISHARES TR CORE S&P500 ETF 464287200 20,518 57,205 SH   SOLE   0 0 57,205
ISHARES TR MSCI USA MIN VOL 46429B697 1,611 24,368 SH   SOLE   0 0 24,368
ISHARES TR MSCI USA MMENTM 46432F396 5,359 40,850 SH   SOLE   0 0 40,850
JOHNSON & JOHNSON COM 478160104 319 1,953 SH   SOLE   0 0 1,953
L3HARRIS TECHNOLOGIES INC COM 502431109 831 4,000 SH   SOLE   0 0 4,000
LIFE STORAGE INC COM 53223X107 649 5,861 SH   SOLE   0 0 5,861
LINDE PLC SHS G5494J103 940 3,487 SH   SOLE   0 0 3,487
M & T BK CORP COM 55261F104 357 2,024 SH   SOLE   0 0 2,024
MICROSOFT CORP COM 594918104 288 1,235 SH   SOLE   0 0 1,235
MOOG INC CL A 615394202 227 3,225 SH   SOLE   0 0 3,225
OBSIDIAN ENERGY LTD COM 674482203 76 10,600 SH   SOLE   0 0 10,600
PPG INDS INC COM 693506107 266 2,400 SH   SOLE   0 0 2,400
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 476 7,159 SH   SOLE   0 0 7,159
SPDR S&P 500 ETF TR TR UNIT 78462F103 489 1,368 SH   SOLE   0 0 1,368
TESLA INC COM 88160R101 256 964 SH   SOLE   0 0 964
UNION PAC CORP COM 907818108 625 3,210 SH   SOLE   0 0 3,210
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 3,951 26,589 SH   SOLE   0 0 26,589
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 3,731 23,106 SH   SOLE   0 0 23,106
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 262 2,058 SH   SOLE   0 0 2,058
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 770 9,598 SH   SOLE   0 0 9,598
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 5,428 16,534 SH   SOLE   0 0 16,534
VANGUARD INDEX FDS VALUE ETF 922908744 331 2,682 SH   SOLE   0 0 2,682
VANGUARD STAR FDS VG TL INTL STK F 921909768 896 19,580 SH   SOLE   0 0 19,580
WHITE MTNS INS GROUP LTD COM G9618E107 443 340 SH   SOLE   0 0 340