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
CHUBB LIMITED COM H1467J104   585,068 2,258 SH   SOLE   0 0 2,258
AMAZON COM INC COM 023135106   1,930,066 10,700 SH   SOLE   0 0 10,700
APPLE INC COM 037833100   5,553,259 32,384 SH   SOLE   0 0 32,384
THE CIGNA GROUP COM 125523100   205,114 565 SH   SOLE   0 0 565
COMCAST CORP NEW CL A 20030N101   240,900 5,557 SH   SOLE   0 0 5,557
COSTCO WHSL CORP NEW COM 22160K105   360,812 492 SH   SOLE   0 0 492
EXXON MOBIL CORP COM 30231G102   411,297 3,538 SH   SOLE   0 0 3,538
FIRST TR LRGE CP CORE ALPHA COM SHS 33734K109   991,729 9,993 SH   SOLE   0 0 9,993
FIRST TR SML CP CORE ALPHA F COM SHS 33734Y109   200,151 2,147 SH   SOLE   0 0 2,147
FORD MTR CO DEL COM 345370860   177,742 13,384 SH   SOLE   0 0 13,384
INVESCO EXCH TRADED FD TR II PFD ETF 46138E511   149,323 12,569 SH   SOLE   0 0 12,569
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805   239,349 9,015 SH   SOLE   0 0 9,015
ISHARES GOLD TR ISHARES NEW 464285204   1,962,329 46,711 SH   SOLE   0 0 46,711
ISHARES INC JP MRG EM CRP BD 464286251   609,052 13,693 SH   SOLE   0 0 13,693
ISHARES INC MSCI AGRICULTURE 464286350   423,847 11,009 SH   SOLE   0 0 11,009
ISHARES INC MSCI EQUAL WEITE 464286681   617,674 6,788 SH   SOLE   0 0 6,788
ISHARES TR TIPS BD ETF 464287176   829,897 7,726 SH   SOLE   0 0 7,726
ISHARES TR CORE S&P500 ETF 464287200   450,083 856 SH   SOLE   0 0 856
ISHARES TR CORE US AGGBD ET 464287226   1,474,848 15,059 SH   SOLE   0 0 15,059
ISHARES TR IBOXX INV CP ETF 464287242   3,718,651 34,141 SH   SOLE   0 0 34,141
ISHARES TR MSCI EAFE ETF 464287465   459,761 5,757 SH   SOLE   0 0 5,757
ISHARES TR JPMORGAN USD EMG 464288281   1,525,303 17,010 SH   SOLE   0 0 17,010
ISHARES TR NEW YORK MUN ETF 464288323   1,103,754 20,512 SH   SOLE   0 0 20,512
ISHARES TR MBS ETF 464288588   207,785 2,248 SH   SOLE   0 0 2,248
ISHARES TR ISHS 5-10YR INVT 464288638   211,066 4,090 SH   SOLE   0 0 4,090
ISHARES TR PFD AND INCM SEC 464288687   1,662,726 51,589 SH   SOLE   0 0 51,589
ISHARES TR MSCI USA QLT FCT 46432F339   2,893,116 17,603 SH   SOLE   0 0 17,603
ISHARES INC MSCI EMRG CHN 46434G764   1,896,497 32,942 SH   SOLE   0 0 32,942
ISHARES TR CORE TOTAL USD 46434V613   1,094,841 24,015 SH   SOLE   0 0 24,015
ISHARES TR ESG AWR MSCI USA 46435G425   661,582 5,755 SH   SOLE   0 0 5,755
ISHARES TR ESG AW MSCI EAFE 46435G516   495,505 6,201 SH   SOLE   0 0 6,201
JOHNSON & JOHNSON COM 478160104   224,147 1,417 SH   SOLE   0 0 1,417
LOEWS CORP COM 540424108   3,657,750 46,721 SH   SOLE   0 0 46,721
M & T BK CORP COM 55261F104   209,957 1,444 SH   SOLE   0 0 1,444
MICROSOFT CORP COM 594918104   3,308,704 7,864 SH   SOLE   0 0 7,864
MICROSTRATEGY INC CL A NEW 594972408   301,707 177 SH   SOLE   0 0 177
PEPSICO INC COM 713448108   472,082 2,697 SH   SOLE   0 0 2,697
PIMCO ETF TR ACTIVE BD ETF 72201R775   209,913 2,285 SH   SOLE   0 0 2,285
SPDR GOLD TR GOLD SHS 78463V107   224,441 1,091 SH   SOLE   0 0 1,091
SPDR SER TR BBG CONV SEC ETF 78464A359   748,243 10,244 SH   SOLE   0 0 10,244
SPDR SER TR PORTFOLIO LN COR 78464A367   206,781 8,898 SH   SOLE   0 0 8,898
SPDR SER TR PORTFOLIO AGRGTE 78464A649   530,779 20,996 SH   SOLE   0 0 20,996
SALESFORCE INC COM 79466L302   410,508 1,363 SH   SOLE   0 0 1,363
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   9,321,319 150,198 SH   SOLE   0 0 150,198
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   293,513 1,409 SH   SOLE   0 0 1,409
SERVICENOW INC COM 81762P102   285,138 374 SH   SOLE   0 0 374
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   4,074,509 45,323 SH   SOLE   0 0 45,323
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   3,023,486 16,557 SH   SOLE   0 0 16,557
VANGUARD WORLD FD ESG US CORP BD 921910691   210,163 3,349 SH   SOLE   0 0 3,349
VANGUARD WORLD FD ESG INTL STK ETF 921910725   4,021,855 69,982 SH   SOLE   0 0 69,982
VANGUARD WORLD FD ESG US STK ETF 921910733   7,222,747 77,506 SH   SOLE   0 0 77,506
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   4,318,371 59,457 SH   SOLE   0 0 59,457
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   5,237,572 104,397 SH   SOLE   0 0 104,397
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   1,863,492 38,912 SH   SOLE   0 0 38,912
VANGUARD WORLD FD INF TECH ETF 92204A702   301,895 576 SH   SOLE   0 0 576
VANGUARD WORLD FD MATERIALS ETF 92204A801   1,133,221 5,543 SH   SOLE   0 0 5,543
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   429,502 7,323 SH   SOLE   0 0 7,323
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   2,586,269 33,453 SH   SOLE   0 0 33,453
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   523,730 11,483 SH   SOLE   0 0 11,483
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   1,388,685 17,751 SH   SOLE   0 0 17,751
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   4,141,411 51,440 SH   SOLE   0 0 51,440
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   954,955 18,873 SH   SOLE   0 0 18,873
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   575,088 6,650 SH   SOLE   0 0 6,650
VANGUARD INDEX FDS MID CAP ETF 922908629   5,812,782 23,264 SH   SOLE   0 0 23,264
VANGUARD INDEX FDS LARGE CAP ETF 922908637   13,031,884 54,354 SH   SOLE   0 0 54,354
VANGUARD INDEX FDS GROWTH ETF 922908736   263,033 764 SH   SOLE   0 0 764
VANGUARD INDEX FDS SMALL CP ETF 922908751   5,530,360 24,193 SH   SOLE   0 0 24,193
VANGUARD INDEX FDS TOTAL STK MKT 922908769   965,283 3,714 SH   SOLE   0 0 3,714
VERTEX PHARMACEUTICALS INC COM 92532F100   319,778 765 SH   SOLE   0 0 765
WISDOMTREE TR US MIDCAP DIVID 97717W505   205,362 4,211 SH   SOLE   0 0 4,211
ZSCALER INC COM 98980G102   248,685 1,291 SH   SOLE   0 0 1,291