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
AMARIN CORP PLC SPONS ADR NEW 023111206   15,000 10,000 SH   SOLE   0 0 10,000
AMAZON COM INC COM 023135106   1,426,823 13,814 SH   SOLE   0 0 13,814
AMERICAN CENTY ETF TR US SML CP VALU 025072877   4,112,404 55,528 SH   SOLE   0 0 55,528
AMERICAN WTR WKS CO INC NEW COM 030420103   237,460 1,621 SH   SOLE   0 0 1,621
AMGEN INC COM 031162100   260,848 1,079 SH   SOLE   0 0 1,079
APPLE INC COM 037833100   5,582,497 33,854 SH   SOLE   0 0 33,854
ASTRAZENECA PLC SPONSORED ADR 046353108   300,406 4,328 SH   SOLE   0 0 4,328
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   402,945 1,305 SH   SOLE   0 0 1,305
CVS HEALTH CORP COM 126650100   589,405 7,932 SH   SOLE   0 0 7,932
CONSOLIDATED EDISON INC COM 209115104   296,835 3,103 SH   SOLE   0 0 3,103
DISNEY WALT CO COM 254687106   374,246 3,738 SH   SOLE   0 0 3,738
EXCHANGE TRADED CONCEPTS TR BITWISE CRYPTO 301505624   111,659 19,022 SH   SOLE   0 0 19,022
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   593,447 19,262 SH   SOLE   0 0 19,262
HOME DEPOT INC COM 437076102   493,687 1,673 SH   SOLE   0 0 1,673
ISHARES INC MSCI MEXICO ETF 464286822   2,519,012 42,315 SH   SOLE   0 0 42,315
ISHARES TR SELECT DIVID ETF 464287168   226,743 1,935 SH   SOLE   0 0 1,935
ISHARES TR CORE S&P500 ETF 464287200   1,141,196 2,776 SH   SOLE   0 0 2,776
ISHARES TR CORE S&P MCP ETF 464287507   1,260,306 5,038 SH   SOLE   0 0 5,038
ISHARES TR RUSSELL 2000 ETF 464287655   221,751 1,243 SH   SOLE   0 0 1,243
ISHARES TR U.S. ENERGY ETF 464287796   240,625 5,500 SH   SOLE   0 0 5,500
ISHARES TR CORE S&P SCP ETF 464287804   2,940,404 30,407 SH   SOLE   0 0 30,407
ISHARES TR GL CLEAN ENE ETF 464288224   626,591 31,678 SH   SOLE   0 0 31,678
ISHARES TR US HOME CONS ETF 464288752   556,908 7,923 SH   SOLE   0 0 7,923
ISHARES TR AGGRES ALLOC ETF 464289859   259,511 4,081 SH   SOLE   0 0 4,081
ISHARES TR GRWT ALLOCAT ETF 464289867   246,105 4,919 SH   SOLE   0 0 4,919
JOHNSON & JOHNSON COM 478160104   585,305 3,776 SH   SOLE   0 0 3,776
KRAFT HEINZ CO COM 500754106   211,710 5,475 SH   SOLE   0 0 5,475
LILLY ELI & CO COM 532457108   328,264 956 SH   SOLE   0 0 956
MCDONALDS CORP COM 580135101   266,692 954 SH   SOLE   0 0 954
MICROSOFT CORP COM 594918104   2,414,868 8,376 SH   SOLE   0 0 8,376
PFIZER INC COM 717081103   234,257 5,742 SH   SOLE   0 0 5,742
PROCTER AND GAMBLE CO COM 742718109   1,362,133 9,161 SH   SOLE   0 0 9,161
SINCLAIR BROADCAST GROUP INC CL A 829226109   194,938 11,360 SH   SOLE   0 0 11,360
STARBUCKS CORP COM 855244109   280,006 2,689 SH   SOLE   0 0 2,689
TRI CONTL CORP COM 895436103   353,965 13,332 SH   SOLE   0 0 13,332
UNITED PARCEL SERVICE INC CL B 911312106   1,935,632 9,978 SH   SOLE   0 0 9,978
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,809,788 24,737 SH   SOLE   0 0 24,737
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,344,695 24,356 SH   SOLE   0 0 24,356
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   761,967 18,861 SH   SOLE   0 0 18,861
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   3,518,582 9,356 SH   SOLE   0 0 9,356
VANGUARD INDEX FDS MID CAP ETF 922908629   267,106 1,266 SH   SOLE   0 0 1,266
VANGUARD INDEX FDS GROWTH ETF 922908736   8,470,844 33,959 SH   SOLE   0 0 33,959
VANGUARD INDEX FDS VALUE ETF 922908744   5,932,611 42,956 SH   SOLE   0 0 42,956
VANGUARD INDEX FDS TOTAL STK MKT 922908769   483,326 2,368 SH   SOLE   0 0 2,368
INVESCO QQQ TR UNIT SER 1 46090E103   1,949,971 6,076 SH   SOLE   0 0 6,076
ABBVIE INC COM 00287Y109   200,404 1,257 SH   SOLE   0 0 1,257
ALPHABET INC CAP STK CL C 02079K107   705,640 6,785 SH   SOLE   0 0 6,785
ALPHABET INC CAP STK CL A 02079K305   315,754 3,044 SH   SOLE   0 0 3,044
BLACKSTONE INC COM 09260D107   376,658 4,288 SH   SOLE   0 0 4,288
CISCO SYS INC COM 17275R102   240,558 4,602 SH   SOLE   0 0 4,602
COMCAST CORP NEW CL A 20030N101   775,453 20,455 SH   SOLE   0 0 20,455
EXXON MOBIL CORP COM 30231G102   565,326 5,155 SH   SOLE   0 0 5,155
META PLATFORMS INC CL A 30303M102   350,973 1,656 SH   SOLE   0 0 1,656
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   831,229 5,748 SH   SOLE   0 0 5,748
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   714,503 9,389 SH   SOLE   0 0 9,389
ISHARES TR CORE HIGH DV ETF 46429B663   2,545,770 25,042 SH   SOLE   0 0 25,042
ISHARES TR MSCI USA MIN VOL 46429B697   3,244,041 44,598 SH   SOLE   0 0 44,598
ISHARES TR MSCI USA QLT FCT 46432F339   4,627,035 37,295 SH   SOLE   0 0 37,295
ISHARES TR MSCI USA VALUE 46432F388   234,401 2,532 SH   SOLE   0 0 2,532
ISHARES INC MSCI EMRG CHN 46434G764   1,822,102 36,937 SH   SOLE   0 0 36,937
ISHARES TR U S EQUITY FACTR 46434V282   17,687,312 426,817 SH   SOLE   0 0 426,817
ISHARES TR US SML CAP EQT 46434V290   2,564,128 50,022 SH   SOLE   0 0 50,022
ISHARES TR IBONDS DEC2023 46435G318   406,880 16,000 SH   SOLE   0 0 16,000
ISHARES TR CYBERSECURITY 46435U135   293,454 8,073 SH   SOLE   0 0 8,073
ISHARES TR GENOMICS IMMUN 46435U192   380,092 16,334 SH   SOLE   0 0 16,334
ISHARES TR IBONDS DEC 26 46435U259   298,701 11,700 SH   SOLE   0 0 11,700
ISHARES TR IBONDS DEC 27 46435U283   305,520 12,000 SH   SOLE   0 0 12,000
ISHARES TR IBONDS DEC 25 46435U432   317,990 11,950 SH   SOLE   0 0 11,950
ISHARES TR ROBOTICS ARTIF 46435U556   296,384 9,445 SH   SOLE   0 0 9,445
ISHARES TR IBONDS DEC 46435U697   317,425 12,270 SH   SOLE   0 0 12,270
JPMORGAN CHASE & CO COM 46625H100   1,091,599 8,377 SH   SOLE   0 0 8,377
M & T BK CORP COM 55261F104   612,198 5,120 SH   SOLE   0 0 5,120
MERCK & CO INC COM 58933Y105   464,719 4,368 SH   SOLE   0 0 4,368
NVIDIA CORPORATION COM 67066G104   211,661 762 SH   SOLE   0 0 762
PACER FDS TR US CASH COWS 100 69374H881   15,649,715 333,327 SH   SOLE   0 0 333,327
PARTNERS BANCORP COM 70213Q108   90,990 11,621 SH   SOLE   0 0 11,621
PROSHARES TR S&P 500 DV ARIST 74348A467   3,825,602 41,929 SH   SOLE   0 0 41,929
SPDR S&P 500 ETF TR TR UNIT 78462F103   799,199 1,952 SH   SOLE   0 0 1,952
SOFI TECHNOLOGIES INC COM 83406F102   62,472 10,292 SH   SOLE   0 0 10,292
UBER TECHNOLOGIES INC COM 90353T100   233,661 7,371 SH   SOLE   0 0 7,371
UNITEDHEALTH GROUP INC COM 91324P102   240,559 509 SH   SOLE   0 0 509
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   649,163 3,355 SH   SOLE   0 0 3,355
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,053,804 9,225 SH   SOLE   0 0 9,225
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   4,249,387 17,820 SH   SOLE   0 0 17,820
VANGUARD WORLD FDS INF TECH ETF 92204A702   1,884,948 4,890 SH   SOLE   0 0 4,890
VANGUARD WORLD FDS UTILITIES ETF 92204A876   486,373 3,297 SH   SOLE   0 0 3,297
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   307,335 5,250 SH   SOLE   0 0 5,250
VERIZON COMMUNICATIONS INC COM 92343V104   272,110 6,997 SH   SOLE   0 0 6,997
VISA INC COM CL A 92826C839   1,056,580 4,686 SH   SOLE   0 0 4,686
WISDOMTREE TR US LARGECAP DIVD 97717W307   661,531 10,694 SH   SOLE   0 0 10,694
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   232,049 812 SH   SOLE   0 0 812