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
ABBVIE INC COM 00287Y109 BBG0025Y4RZ3 273,162 1,500 SH   SOLE   0 0 1,500
ALPHABET INC CAP STK CL A 02079K305 BBG009S39JY5 205,267 1,360 SH   SOLE   0 0 1,360
AMAZON COM INC COM 023135106 BBG001S5PQL7 1,883,528 10,442 SH   SOLE   0 0 10,442
APPLE INC COM 037833100 BBG001S5N8V8 11,490,989 67,010 SH   SOLE   0 0 67,010
BERKSHIRE HATHAWAY INC DEL CL A 084670108 BBG001S902J2 1,268,880 2 SH   SOLE   0 0 2
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 1,267,868 3,015 SH   SOLE   0 0 3,015
DIGIMARC CORP NEW COM 25381B101 BBG001T2W3C6 2,050,162 75,429 SH   SOLE   0 0 75,429
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203 BBG00Y2PGDN6 644,076 21,312 SH   SOLE   0 0 21,312
DIMENSIONAL ETF TRUST WORLD EQUITY ETF 25434V617 BBG01J9W24S6 5,286,028 89,391 SH   SOLE   0 0 89,391
EXTRA SPACE STORAGE INC COM 30225T102 BBG001SLSXK5 284,592 1,936 SH   SOLE   0 0 1,936
FIDELITY COVINGTON TRUST LOW VOLITY ETF 316092824 BBG00DRFDQX0 334,165 5,948 SH   SOLE   0 0 5,948
FIDELITY COVINGTON TRUST MOMENTUM FACTR 316092816 BBG00DRGLGV3 782,531 12,965 SH   SOLE   0 0 12,965
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 304,209 685 SH   SOLE   0 0 685
ISHARES INC CORE MSCI EMKT 46434G103 BBG003HC3DG9 8,637,142 167,390 SH   SOLE   0 0 167,390
ISHARES INC MSCI EMERG MRKT 464286533 BBG0025X3FS0 252,627 4,463 SH   SOLE   0 0 4,463
ISHARES INC MSCI GBL MIN VOL 464286525 BBG0025X39Q6 1,438,837 13,668 SH   SOLE   0 0 13,668
ISHARES TR CORE MSCI EAFE 46432F842 BBG003H6TRS0 2,293,352 30,899 SH   SOLE   0 0 30,899
ISHARES TR CORE S&P MCP ETF 464287507 BBG001SFC7V0 22,754,902 374,625 SH   SOLE   0 0 374,625
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 11,107,814 100,499 SH   SOLE   0 0 100,499
ISHARES TR CORE S&P500 ETF 464287200 BBG001SFB7R6 53,338,854 101,452 SH   SOLE   0 0 101,452
ISHARES TR EAFE SML CP ETF 464288273 BBG001SYVWS7 258,353 4,079 SH   SOLE   0 0 4,079
ISHARES TR MSCI USA MIN VOL 46429B697 BBG0025X2G81 738,152 8,831 SH   SOLE   0 0 8,831
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 2,112,875 11,279 SH   SOLE   0 0 11,279
J P MORGAN EXCHANGE TRADED F INTRNL RES EQT 46641Q134 BBG016CBQVP3 205,580 3,283 SH   SOLE   0 0 3,283
JOHNSON & JOHNSON COM 478160104 BBG001S5SHQ9 320,186 2,024 SH   SOLE   0 0 2,024
L3HARRIS TECHNOLOGIES INC COM 502431109 BBG001S5S0N9 852,400 4,000 SH   SOLE   0 0 4,000
LINDE PLC SHS G54950103 BBG01FND0CH6 1,315,427 2,832 SH   SOLE   0 0 2,832
M & T BK CORP COM 55261F104 BBG001S7S2B4 503,512 3,463 SH   SOLE   0 0 3,463
MARATHON PETE CORP COM 56585A102 BBG001S169P1 221,137 1,097 SH   SOLE   0 0 1,097
MICROSOFT CORP COM 594918104 BBG001S5TD05 740,947 1,760 SH   SOLE   0 0 1,760
MOOG INC CL A 615394202 BBG001S5T922 486,613 3,048 SH   SOLE   0 0 3,048
NUCOR CORP COM 670346105 BBG001S5TRV0 228,210 1,153 SH   SOLE   0 0 1,153
NVIDIA CORPORATION COM 67066G104 BBG001S5TZJ6 1,777,739 1,967 SH   SOLE   0 0 1,967
OBSIDIAN ENERGY LTD COM 674482203 BBG001S603F0 83,022 10,100 SH   SOLE   0 0 10,100
PPG INDS INC COM 693506107 BBG001S5VC13 347,760 2,400 SH   SOLE   0 0 2,400
SCHLUMBERGER LTD COM STK 806857108 BBG001S5W4C8 219,240 4,000 SH   SOLE   0 0 4,000
SPDR S&P 500 ETF TR TR UNIT 78462F103 BBG001S72SM3 690,152 1,319 SH   SOLE   0 0 1,319
UNION PAC CORP COM 907818108 BBG001S5X2M0 796,182 3,237 SH   SOLE   0 0 3,237
VANGUARD ADMIRAL FDS INC MIDCP 400 IDX 921932885 BBG001TC6MJ4 7,617,045 73,944 SH   SOLE   0 0 73,944
VANGUARD ADMIRAL FDS INC SMLLCP 600 IDX 921932828 BBG001TC6MR5 5,336,849 52,579 SH   SOLE   0 0 52,579
VANGUARD INDEX FDS EXTEND MKT ETF 922908652 BBG001SK3J43 294,454 1,680 SH   SOLE   0 0 1,680
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 BBG001SMD2X3 536,957 6,210 SH   SOLE   0 0 6,210
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 16,005,485 33,294 SH   SOLE   0 0 33,294
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 412,362 2,532 SH   SOLE   0 0 2,532
VANGUARD STAR FDS VG TL INTL STK F 921909768 BBG001TJR1D8 858,732 14,241 SH   SOLE   0 0 14,241
WHITE MTNS INS GROUP LTD COM G9618E107 BBG001SBLRT8 610,062 340 SH   SOLE   0 0 340