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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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
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   250,536 812 SH   SOLE   0 0 812
ADVANCED MICRO DEVICES INC COM 007903107   1,454,972 12,773 SH   SOLE   0 0 12,773
ALPHABET INC CAP STK CL A 02079K305   366,402 3,061 SH   SOLE   0 0 3,061
ALPHABET INC CAP STK CL C 02079K107   815,459 6,741 SH   SOLE   0 0 6,741
AMARIN CORP PLC SPONS ADR NEW 023111206   11,900 10,000 SH   SOLE   0 0 10,000
AMAZON COM INC COM 023135106   1,834,004 14,069 SH   SOLE   0 0 14,069
AMERICAN CENTY ETF TR US SML CP VALU 025072877   1,006,912 12,974 SH   SOLE   0 0 12,974
AMERICAN WTR WKS CO INC NEW COM 030420103   231,468 1,621 SH   SOLE   0 0 1,621
AMGEN INC COM 031162100   236,895 1,067 SH   SOLE   0 0 1,067
APPLE INC COM 037833100   7,377,626 38,035 SH   SOLE   0 0 38,035
ASTRAZENECA PLC SPONSORED ADR 046353108   303,958 4,247 SH   SOLE   0 0 4,247
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   444,664 1,304 SH   SOLE   0 0 1,304
BLACKSTONE INC COM 09260D107   398,841 4,290 SH   SOLE   0 0 4,290
CISCO SYS INC COM 17275R102   237,007 4,581 SH   SOLE   0 0 4,581
COMCAST CORP NEW CL A 20030N101   809,191 19,475 SH   SOLE   0 0 19,475
CONSOLIDATED EDISON INC COM 209115104   293,630 3,248 SH   SOLE   0 0 3,248
CVS HEALTH CORP COM 126650100   548,175 7,930 SH   SOLE   0 0 7,930
DISNEY WALT CO COM 254687106   357,978 4,010 SH   SOLE   0 0 4,010
EXCHANGE TRADED CONCEPTS TR BITWISE CRYPTO 301505624   710,525 88,264 SH   SOLE   0 0 88,264
EXXON MOBIL CORP COM 30231G102   565,518 5,273 SH   SOLE   0 0 5,273
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   603,848 19,262 SH   SOLE   0 0 19,262
HOME DEPOT INC COM 437076102   518,444 1,669 SH   SOLE   0 0 1,669
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   751,120 9,389 SH   SOLE   0 0 9,389
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   874,956 5,847 SH   SOLE   0 0 5,847
INVESCO QQQ TR UNIT SER 1 46090E103   2,209,132 5,980 SH   SOLE   0 0 5,980
ISHARES INC MSCI MEXICO ETF 464286822   2,644,267 42,526 SH   SOLE   0 0 42,526
ISHARES INC MSCI EMRG CHN 46434G764   2,385,424 45,891 SH   SOLE   0 0 45,891
ISHARES TR IBONDS DEC 46435U697   316,075 12,270 SH   SOLE   0 0 12,270
ISHARES TR ROBOTICS ARTIF 46435U556   702,629 21,266 SH   SOLE   0 0 21,266
ISHARES TR IBONDS DEC 25 46435U432   314,703 11,950 SH   SOLE   0 0 11,950
ISHARES TR IBONDS DEC 26 46435U259   294,606 11,700 SH   SOLE   0 0 11,700
ISHARES TR IBONDS DEC 27 46435U283   300,780 12,000 SH   SOLE   0 0 12,000
ISHARES TR CYBERSECURITY 46435U135   690,631 18,261 SH   SOLE   0 0 18,261
ISHARES TR GENOMICS IMMUN 46435U192   762,171 32,636 SH   SOLE   0 0 32,636
ISHARES TR US HOME CONS ETF 464288752   676,941 7,923 SH   SOLE   0 0 7,923
ISHARES TR U.S. ENERGY ETF 464287796   235,620 5,500 SH   SOLE   0 0 5,500
ISHARES TR CORE S&P MCP ETF 464287507   1,301,124 4,976 SH   SOLE   0 0 4,976
ISHARES TR CORE S&P SCP ETF 464287804   2,283,330 22,914 SH   SOLE   0 0 22,914
ISHARES TR S&P 500 VAL ETF 464287408   208,257 1,292 SH   SOLE   0 0 1,292
ISHARES TR CORE S&P500 ETF 464287200   1,297,949 2,912 SH   SOLE   0 0 2,912
ISHARES TR RUSSELL 2000 ETF 464287655   248,507 1,327 SH   SOLE   0 0 1,327
ISHARES TR SELECT DIVID ETF 464287168   219,236 1,935 SH   SOLE   0 0 1,935
ISHARES TR U S EQUITY FACTR 46434V282   17,018,965 381,934 SH   SOLE   0 0 381,934
ISHARES TR US SML CAP EQT 46434V290   3,502,512 65,321 SH   SOLE   0 0 65,321
ISHARES TR MSCI USA VALUE 46432F388   237,451 2,532 SH   SOLE   0 0 2,532
ISHARES TR MSCI USA QLT FCT 46432F339   5,031,245 37,304 SH   SOLE   0 0 37,304
ISHARES TR IBONDS DEC2023 46435G318   407,840 16,000 SH   SOLE   0 0 16,000
ISHARES TR GL CLEAN ENE ETF 464288224   612,683 33,298 SH   SOLE   0 0 33,298
ISHARES TR GRWT ALLOCAT ETF 464289867   224,483 4,363 SH   SOLE   0 0 4,363
ISHARES TR CORE HIGH DV ETF 46429B663   2,640,194 26,195 SH   SOLE   0 0 26,195
ISHARES TR MSCI USA MIN VOL 46429B697   3,296,093 44,344 SH   SOLE   0 0 44,344
JOHNSON & JOHNSON COM 478160104   638,351 3,857 SH   SOLE   0 0 3,857
JPMORGAN CHASE & CO COM 46625H100   1,204,114 8,279 SH   SOLE   0 0 8,279
LILLY ELI & CO COM 532457108   520,698 1,110 SH   SOLE   0 0 1,110
M & T BK CORP COM 55261F104   635,260 5,133 SH   SOLE   0 0 5,133
MCDONALDS CORP COM 580135101   308,496 1,034 SH   SOLE   0 0 1,034
MERCK & CO INC COM 58933Y105   546,823 4,739 SH   SOLE   0 0 4,739
META PLATFORMS INC CL A 30303M102   450,846 1,571 SH   SOLE   0 0 1,571
MICROSOFT CORP COM 594918104   2,859,516 8,397 SH   SOLE   0 0 8,397
NVIDIA CORPORATION COM 67066G104   320,649 758 SH   SOLE   0 0 758
PACER FDS TR PACER US SMALL 69374H857   5,564,016 136,708 SH   SOLE   0 0 136,708
PACER FDS TR US CASH COWS 100 69374H881   11,036,548 230,552 SH   SOLE   0 0 230,552
PARTNERS BANCORP COM 70213Q108   78,650 12,706 SH   SOLE   0 0 12,706
PEPSICO INC COM 713448108   201,812 1,090 SH   SOLE   0 0 1,090
PRINCIPAL FINANCIAL GROUP IN COM 74251V102   218,268 2,878 SH   SOLE   0 0 2,878
PROCTER AND GAMBLE CO COM 742718109   1,352,396 8,913 SH   SOLE   0 0 8,913
PROSHARES TR S&P 500 DV ARIST 74348A467   4,112,211 43,617 SH   SOLE   0 0 43,617
SPDR S&P 500 ETF TR TR UNIT 78462F103   860,958 1,942 SH   SOLE   0 0 1,942
STARBUCKS CORP COM 855244109   239,626 2,419 SH   SOLE   0 0 2,419
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   8,507,568 333,195 SH   SOLE   0 0 333,195
TESLA INC COM 88160R101   235,331 899 SH   SOLE   0 0 899
TRI CONTL CORP COM 895436103   366,112 13,352 SH   SOLE   0 0 13,352
UBER TECHNOLOGIES INC COM 90353T100   314,493 7,285 SH   SOLE   0 0 7,285
UNITED PARCEL SERVICE INC CL B 911312106   1,817,774 10,141 SH   SOLE   0 0 10,141
UNITEDHEALTH GROUP INC COM 91324P102   244,757 509 SH   SOLE   0 0 509
VANGUARD INDEX FDS TOTAL STK MKT 922908769   477,684 2,169 SH   SOLE   0 0 2,169
VANGUARD INDEX FDS VALUE ETF 922908744   6,438,396 45,309 SH   SOLE   0 0 45,309
VANGUARD INDEX FDS MID CAP ETF 922908629   278,854 1,267 SH   SOLE   0 0 1,267
VANGUARD INDEX FDS GROWTH ETF 922908736   9,785,354 34,582 SH   SOLE   0 0 34,582
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,697,314 6,623 SH   SOLE   0 0 6,623
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   753,130 18,514 SH   SOLE   0 0 18,514
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   303,083 5,250 SH   SOLE   0 0 5,250
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,273,741 26,311 SH   SOLE   0 0 26,311
VANGUARD STAR FDS VG TL INTL STK F 921909768   1,018,637 18,164 SH   SOLE   0 0 18,164
VANGUARD WORLD FDS UTILITIES ETF 92204A876   453,238 3,188 SH   SOLE   0 0 3,188
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,162,162 4,890 SH   SOLE   0 0 4,890
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   4,415,359 18,035 SH   SOLE   0 0 18,035
VANGUARD WORLD FDS ENERGY ETF 92204A306   1,018,751 9,024 SH   SOLE   0 0 9,024
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   652,283 3,355 SH   SOLE   0 0 3,355
VERIZON COMMUNICATIONS INC COM 92343V104   258,780 6,958 SH   SOLE   0 0 6,958
VISA INC COM CL A 92826C839   1,084,550 4,567 SH   SOLE   0 0 4,567
WISDOMTREE TR US LARGECAP DIVD 97717W307   680,138 10,694 SH   SOLE   0 0 10,694