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 FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
22ND CENTY GROUP INC COM 90137F103 BBG001SQ4DP9 9,591 12,471 SH   SOLE   0 0 12,471
AMAZON COM INC COM 023135106 BBG001S5PQL7 832,000 8,055 SH   SOLE   0 0 8,055
APPLE INC COM 037833100 BBG001S5N8V8 10,312,816 62,540 SH   SOLE   0 0 62,540
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 931,200 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 939,278 3,042 SH   SOLE   0 0 3,042
DIGIMARC CORP NEW COM 25381B101 BBG001T2W3C6 1,195,313 60,830 SH   SOLE   0 0 60,830
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824 BBG00DRFDQX0 730,216 15,380 SH   SOLE   0 0 15,380
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816 BBG00DRGLGV3 1,327,806 29,737 SH   SOLE   0 0 29,737
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 248,721 775 SH   SOLE   0 0 775
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 9,184,627 188,256 SH   SOLE   0 0 188,256
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 495,823 9,086 SH   SOLE   0 0 9,086
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 6,099,288 63,040 SH   SOLE   0 0 63,040
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 1,992,203 29,801 SH   SOLE   0 0 29,801
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 19,291,093 77,108 SH   SOLE   0 0 77,108
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 12,406,457 128,298 SH   SOLE   0 0 128,298
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 28,182,727 68,551 SH   SOLE   0 0 68,551
ISHARES TR GLB INFRASTR ETF 464288372 BBG001SYVWT6 1,038,956 21,781 SH   SOLE   0 0 21,781
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 1,372,962 18,874 SH   SOLE   0 0 18,874
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 5,794,618 41,672 SH   SOLE   0 0 41,672
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 279,728 1,805 SH   SOLE   0 0 1,805
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 784,960 4,000 SH   SOLE   0 0 4,000
LIFE STORAGE INC COM 53223X107 BBG001S7X2Q2 779,138 5,944 SH   SOLE   0 0 5,944
LINDE PLC SHS G54950103 BBG01FND0CH6 1,279,870 3,600 SH   SOLE   0 0 3,600
M & T BK CORP COM 55261F104 BBG001S7S2B4 377,559 3,157 SH   SOLE   0 0 3,157
MERCK & CO INC COM 58933Y105 BBG001S5TC52 203,947 1,917 SH   SOLE   0 0 1,917
MICROSOFT CORP COM 594918104 BBG001S5TD05 477,687 1,657 SH   SOLE   0 0 1,657
MOOG INC CL A 615394202 BBG001S5T922 315,650 3,133 SH   SOLE   0 0 3,133
OBSIDIAN ENERGY LTD COM 674482203 BBG001S603F0 67,200 10,500 SH   SOLE   0 0 10,500
PPG INDS INC COM 693506107 BBG001S5VC13 320,592 2,400 SH   SOLE   0 0 2,400
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 525,228 7,179 SH   SOLE   0 0 7,179
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 BBG001S7TCZ5 227,656 1,508 SH   SOLE   0 0 1,508
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 560,088 1,368 SH   SOLE   0 0 1,368
UNION PAC CORP COM 907818108 BBG001S5X2M0 644,032 3,200 SH   SOLE   0 0 3,200
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG001TC6MJ4 5,043,789 59,563 SH   SOLE   0 0 59,563
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 4,384,719 49,384 SH   SOLE   0 0 49,384
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 269,019 1,919 SH   SOLE   0 0 1,919
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 910,932 10,970 SH   SOLE   0 0 10,970
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 7,894,516 20,992 SH   SOLE   0 0 20,992
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 370,411 2,682 SH   SOLE   0 0 2,682
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 807,612 14,628 SH   SOLE   0 0 14,628
WHITE MTNS INS GROUP LTD COM G9618E107 BBG001SBLRT8 468,347 340 SH   SOLE   0 0 340