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
ABBVIE INC COM 00287Y109   210,998 1,416 SH   SOLE   0 0 1,416
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   248,421 809 SH   SOLE   0 0 809
ADVANCED MICRO DEVICES INC COM 007903107   1,309,207 12,733 SH   SOLE   0 0 12,733
ALPHABET INC CAP STK CL C 02079K107   865,727 6,566 SH   SOLE   0 0 6,566
ALPHABET INC CAP STK CL A 02079K305   437,203 3,341 SH   SOLE   0 0 3,341
AMARIN CORP PLC SPONS ADR NEW 023111206   14,352 15,600 SH   SOLE   0 0 15,600
AMAZON COM INC COM 023135106   1,811,302 14,249 SH   SOLE   0 0 14,249
AMERICAN CENTY ETF TR US SML CP VALU 025072877   333,860 4,283 SH   SOLE   0 0 4,283
AMGEN INC COM 031162100   287,573 1,070 SH   SOLE   0 0 1,070
APPLE INC COM 037833100   6,302,221 36,810 SH   SOLE   0 0 36,810
ASTRAZENECA PLC SPONSORED ADR 046353108   287,268 4,242 SH   SOLE   0 0 4,242
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   452,588 1,292 SH   SOLE   0 0 1,292
BLACKSTONE INC COM 09260D107   456,845 4,264 SH   SOLE   0 0 4,264
CISCO SYS INC COM 17275R102   246,663 4,588 SH   SOLE   0 0 4,588
COMCAST CORP NEW CL A 20030N101   862,684 19,456 SH   SOLE   0 0 19,456
CONSOLIDATED EDISON INC COM 209115104   278,726 3,259 SH   SOLE   0 0 3,259
COSTCO WHSL CORP NEW COM 22160K105   207,340 367 SH   SOLE   0 0 367
CVS HEALTH CORP COM 126650100   513,702 7,358 SH   SOLE   0 0 7,358
DISNEY WALT CO COM 254687106   308,850 3,811 SH   SOLE   0 0 3,811
EXCHANGE TRADED CONCEPTS TR BITWISE CRYPTO 301505624   650,738 97,125 SH   SOLE   0 0 97,125
EXXON MOBIL CORP COM 30231G102   1,023,461 8,704 SH   SOLE   0 0 8,704
GOLDMAN SACHS ETF TR ACTIVEBETA INT 381430107   578,423 19,262 SH   SOLE   0 0 19,262
HOME DEPOT INC COM 437076102   472,430 1,564 SH   SOLE   0 0 1,564
INVESCO EXCH TRADED FD TR II S&P 500 REVENUE 46138G698   733,656 9,389 SH   SOLE   0 0 9,389
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   788,004 5,561 SH   SOLE   0 0 5,561
INVESCO QQQ TR UNIT SER 1 46090E103   2,114,151 5,901 SH   SOLE   0 0 5,901
ISHARES INC MSCI MEXICO ETF 464286822   2,632,171 45,203 SH   SOLE   0 0 45,203
ISHARES INC MSCI EMRG CHN 46434G764   2,455,382 49,275 SH   SOLE   0 0 49,275
ISHARES TR IBONDS DEC 46435U697   315,216 12,270 SH   SOLE   0 0 12,270
ISHARES TR ROBOTICS ARTIF 46435U556   751,620 24,611 SH   SOLE   0 0 24,611
ISHARES TR IBONDS DEC 25 46435U432   311,656 11,950 SH   SOLE   0 0 11,950
ISHARES TR IBONDS DEC 26 46435U259   290,277 11,700 SH   SOLE   0 0 11,700
ISHARES TR IBONDS DEC 27 46435U283   293,760 12,000 SH   SOLE   0 0 12,000
ISHARES TR IBONDS DEC2023 46435G318   408,400 16,000 SH   SOLE   0 0 16,000
ISHARES TR CYBERSECURITY 46435U135   807,940 20,980 SH   SOLE   0 0 20,980
ISHARES TR GENOMICS IMMUN 46435U192   748,738 36,793 SH   SOLE   0 0 36,793
ISHARES TR US HOME CONS ETF 464288752   621,876 7,923 SH   SOLE   0 0 7,923
ISHARES TR U.S. ENERGY ETF 464287796   260,865 5,500 SH   SOLE   0 0 5,500
ISHARES TR CORE S&P MCP ETF 464287507   1,221,067 4,897 SH   SOLE   0 0 4,897
ISHARES TR CORE S&P SCP ETF 464287804   2,005,503 21,261 SH   SOLE   0 0 21,261
ISHARES TR CORE S&P500 ETF 464287200   1,223,057 2,848 SH   SOLE   0 0 2,848
ISHARES TR SELECT DIVID ETF 464287168   208,283 1,935 SH   SOLE   0 0 1,935
ISHARES TR U S EQUITY FACTR 46434V282   17,507,894 404,153 SH   SOLE   0 0 404,153
ISHARES TR US SML CAP EQT 46434V290   3,726,112 72,030 SH   SOLE   0 0 72,030
ISHARES TR MSCI USA VALUE 46432F388   229,678 2,532 SH   SOLE   0 0 2,532
ISHARES TR MSCI USA QLT FCT 46432F339   4,859,151 36,870 SH   SOLE   0 0 36,870
ISHARES TR GL CLEAN ENE ETF 464288224   569,771 38,972 SH   SOLE   0 0 38,972
ISHARES TR GRWT ALLOCAT ETF 464289867   215,956 4,371 SH   SOLE   0 0 4,371
ISHARES TR CORE HIGH DV ETF 46429B663   2,738,462 27,692 SH   SOLE   0 0 27,692
ISHARES TR MSCI USA MIN VOL 46429B697   3,151,573 43,542 SH   SOLE   0 0 43,542
JOHNSON & JOHNSON COM 478160104   508,189 3,263 SH   SOLE   0 0 3,263
JPMORGAN CHASE & CO COM 46625H100   1,182,058 8,151 SH   SOLE   0 0 8,151
ELI LILLY & CO COM 532457108   536,254 998 SH   SOLE   0 0 998
M & T BK CORP COM 55261F104   648,562 5,129 SH   SOLE   0 0 5,129
MCDONALDS CORP COM 580135101   268,140 1,018 SH   SOLE   0 0 1,018
MERCK & CO INC COM 58933Y105   497,402 4,831 SH   SOLE   0 0 4,831
META PLATFORMS INC CL A 30303M102   469,829 1,565 SH   SOLE   0 0 1,565
MICROSOFT CORP COM 594918104   2,640,219 8,362 SH   SOLE   0 0 8,362
NVIDIA CORPORATION COM 67066G104   341,032 784 SH   SOLE   0 0 784
PACER FDS TR US CASH COWS 100 69374H881   11,149,486 225,561 SH   SOLE   0 0 225,561
PACER FDS TR PACER US SMALL 69374H857   6,856,648 164,428 SH   SOLE   0 0 164,428
PARTNERS BANCORP COM 70213Q108   98,988 12,773 SH   SOLE   0 0 12,773
PFIZER INC COM 717081103   200,749 6,052 SH   SOLE   0 0 6,052
PROCTER AND GAMBLE CO COM 742718109   1,296,442 8,888 SH   SOLE   0 0 8,888
PROSHARES TR S&P 500 DV ARIST 74348A467   4,014,680 45,338 SH   SOLE   0 0 45,338
SINCLAIR INC CL A 829242106   139,801 12,460 SH   SOLE   0 0 12,460
SPDR S&P 500 ETF TR TR UNIT 78462F103   830,302 1,942 SH   SOLE   0 0 1,942
STARBUCKS CORP COM 855244109   208,096 2,280 SH   SOLE   0 0 2,280
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   10,354,478 417,351 SH   SOLE   0 0 417,351
TESLA INC COM 88160R101   255,975 1,023 SH   SOLE   0 0 1,023
TRI CONTL CORP COM 895436103   275,260 10,352 SH   SOLE   0 0 10,352
UBER TECHNOLOGIES INC COM 90353T100   309,973 6,740 SH   SOLE   0 0 6,740
UNITED PARCEL SERVICE INC CL B 911312106   1,579,898 10,136 SH   SOLE   0 0 10,136
UNITEDHEALTH GROUP INC COM 91324P102   254,837 505 SH   SOLE   0 0 505
VANGUARD INDEX FDS TOTAL STK MKT 922908769   450,298 2,120 SH   SOLE   0 0 2,120
VANGUARD INDEX FDS VALUE ETF 922908744   6,112,262 44,314 SH   SOLE   0 0 44,314
VANGUARD INDEX FDS MID CAP ETF 922908629   263,801 1,267 SH   SOLE   0 0 1,267
VANGUARD INDEX FDS GROWTH ETF 922908736   9,659,858 35,474 SH   SOLE   0 0 35,474
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,480,980 6,318 SH   SOLE   0 0 6,318
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   732,479 18,681 SH   SOLE   0 0 18,681
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   302,400 5,250 SH   SOLE   0 0 5,250
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   4,255,168 27,386 SH   SOLE   0 0 27,386
VANGUARD STAR FDS VG TL INTL STK F 921909768   967,749 18,082 SH   SOLE   0 0 18,082
VANGUARD WORLD FDS UTILITIES ETF 92204A876   366,040 2,870 SH   SOLE   0 0 2,870
VANGUARD WORLD FDS INF TECH ETF 92204A702   2,028,861 4,890 SH   SOLE   0 0 4,890
VANGUARD WORLD FDS HEALTH CAR ETF 92204A504   3,852,496 16,387 SH   SOLE   0 0 16,387
VANGUARD WORLD FDS ENERGY ETF 92204A306   989,270 7,806 SH   SOLE   0 0 7,806
VANGUARD WORLD FDS CONSUM STP ETF 92204A207   582,443 3,189 SH   SOLE   0 0 3,189
VISA INC COM CL A 92826C839   1,039,136 4,518 SH   SOLE   0 0 4,518
WISDOMTREE TR US LARGECAP DIVD 97717W307   657,574 10,694 SH   SOLE   0 0 10,694