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
ISHARES CONVERTIBLE BOND ETF ETF 46435G102   328,315 4,726 SH   SOLE   0 0 4,726
ENERGY SELECT SECTOR SPDR FUND ETF 81369Y506   372,710 4,261 SH   SOLE   0 0 4,261
ISHARES U.S. ETF TRUST ISHARES GSCI COMMODITY DYNAMIC ROLL STRATEGY ETF ETF 46431W853   505,475 17,931 SH   SOLE   0 0 17,931
ISHARES U.S. INFRASTRUCTURE ETF ETF 46435U713   521,238 14,375 SH   SOLE   0 0 14,375
SCHWAB 1-5 YEAR CORPORATE BOND ETF ETF 808524714   609,476 12,998 SH   SOLE   0 0 12,998
ISHARES JP MORGAN USD EMERGING MARKETS BOND ETF ETF 464288281   619,791 7,327 SH   SOLE   0 0 7,327
ISHARES FALLEN ANGELS USD BOND ETF ETF 46435G474   677,415 27,526 SH   SOLE   0 0 27,526
ISHARES CORE S&P SMALL CAP ETF ETF 464287804   723,617 7,646 SH   SOLE   0 0 7,646
GRAHAM CORP COM Stock 384556106   768,888 79,926 SH   SOLE   0 0 79,926
ISHARES MSCI USA MIN VOL FACTOR ETF ETF 46429B697   1,062,321 14,734 SH   SOLE   0 0 14,734
ISHARES MSCI USA MOMENTUM FACTOR ETF ETF 46432F396   1,101,334 7,547 SH   SOLE   0 0 7,547
ISHARES 10-20 YEAR TREASURY BOND ETF ETF 464288653   1,115,660 10,313 SH   SOLE   0 0 10,313
INVESCO KBW BANK ETF ETF 46138E628   1,373,350 26,605 SH   SOLE   0 0 26,605
WISDOMTREE EMERGING MARKETS SMALLCAP DIVIDEND FUND ETF 97717W281   1,413,443 32,131 SH   SOLE   0 0 32,131
ISHARES U.S. TECHNOLOGY ETF ETF 464287721   1,443,393 19,377 SH   SOLE   0 0 19,377
JANUS HENDERSON SHORT DURATION INCOME ETF ETF 47103U886   1,517,179 32,008 SH   SOLE   0 0 32,008
INVESCO SENIOR LOAN ETF ETF 46138G508   1,525,379 74,300 SH   SOLE   0 0 74,300
VANGUARD INFORMATION TECHNOLOGY ETF ETF 92204A702   1,610,146 5,041 SH   SOLE   0 0 5,041
SCHWAB US TIPS ETF ETF 808524870   1,645,472 31,772 SH   SOLE   0 0 31,772
WISDOMTREE GLOBAL EX-US QUALITY DIVIDEND GROWTH FUND ETF 97717W844   2,053,345 63,719 SH   SOLE   0 0 63,719
WISDOMTREE EMERGING MARKETS HIGH DIVIDEND FUND ETF 97717W315   2,171,581 60,931 SH   SOLE   0 0 60,931
WISDOMTREE INTERNATIONAL SMALLCAP DIVIDEND FUND ETF 97717W760   2,367,956 40,855 SH   SOLE   0 0 40,855
WISDOMTREE U.S. SMALLCAP DIVIDEND FUND ETF 97717W604   2,420,500 85,109 SH   SOLE   0 0 85,109
ISHARES 0-5 YEAR HIGH YIELD CORPORATE BOND ETF ETF 46434V407   2,473,518 60,492 SH   SOLE   0 0 60,492
INVESCO S&P EMERGING MARKETS LOW VOLATILITY ETF ETF 46138E297   2,749,902 119,509 SH   SOLE   0 0 119,509
VANGUARD CONSUMER STAPLES ETF ETF 92204A207   2,868,761 14,975 SH   SOLE   0 0 14,975
ISHARES MSCI EAFE GROWTH ETF ETF 464288885   2,915,686 34,810 SH   SOLE   0 0 34,810
VANGUARD UTILITIES ETF ETF 92204A876   2,982,392 19,447 SH   SOLE   0 0 19,447
WISDOMTREE US QUALITY DIVIDEND GROWTH FUND ETF 97717X669   3,037,134 50,317 SH   SOLE   0 0 50,317
WISDOMTREE DYNAMIC CURRENCY HEDGED INTERNATIONAL EQUITY FUND ETF 97717X263   3,681,551 125,865 SH   SOLE   0 0 125,865
ISHARES MSCI EAFE VALUE ETF ETF 464288877   4,015,188 87,515 SH   SOLE   0 0 87,515
ISHARES CORE TOTAL USD BOND MARKET ETF ETF 46434V613   4,145,691 92,270 SH   SOLE   0 0 92,270
VANGUARD HIGH DIVIDEND YIELD INDEX ETF ETF 921946406   4,635,825 42,841 SH   SOLE   0 0 42,841
ISHARES MBS ETF ETF 464288588   5,363,547 57,828 SH   SOLE   0 0 57,828
SCHWAB US AGGREGATE BOND ETF ETF 808524839   6,288,151 137,747 SH   SOLE   0 0 137,747
WISDOMTREE U.S. TOTAL DIVIDEND FUND ETF 97717W109   7,628,254 125,775 SH   SOLE   0 0 125,775
ISHARES U.S. TREASURY BOND ETF ETF 46429B267   7,929,962 349,030 SH   SOLE   0 0 349,030
ISHARES ESG AWARE MSCI USA ETF ETF 46435G425   9,691,163 114,350 SH   SOLE   0 0 114,350
SPDR PORTFOLIO S&P 500 ETF ETF 78464A854   11,262,227 250,383 SH   SOLE   0 0 250,383