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
AbbVie Inc COM 00287Y109   378,794 5,209 SH   SOLE   0 0 0
Air Products & Chemicals Inc COM 009158106   1,761,159 7,780 SH   SOLE   0 0 0
Alibaba Group Holding Ltd ADR SPONSORED ADS 01609W102   386,007 2,278 SH   SOLE   0 0 0
Alphabet Inc Class A CAP STK CL A 02079K305   409,298 378 SH   SOLE   0 0 0
Alphabet Inc Class C CAP STK CL C 02079K107   475,645 440 SH   SOLE   0 0 0
Amazon.com Inc COM 023135106   386,301 204 SH   SOLE   0 0 0
American Express Co COM 025816109   202,583 1,641 SH   SOLE   0 0 0
Apple Inc COM 037833100   5,957,568 30,101 SH   SOLE   0 0 0
AT&T Inc COM 00206R102   571,235 17,047 SH   SOLE   0 0 0
Bank of America Corp COM 060505104   339,706 11,714 SH   SOLE   0 0 0
Bank of New York Mellon Corp COM 064058100   448,434 10,157 SH   SOLE   0 0 0
Bausch Health Companies Inc COM 071734107   412,978 16,375 SH   SOLE   0 0 0
Berkshire Hathaway Inc Class A CL B NEW 084670702   4,775,250 15 SH   SOLE   0 0 0
Berkshire Hathaway Inc Class B CL A 084670108   1,885,275 8,844 SH   SOLE   0 0 0
Boeing Co COM 097023105   204,617 562 SH   SOLE   0 0 0
Booking Holdings Inc COM 09857L108   491,174 262 SH   SOLE   0 0 0
BP PLC ADR SPONSORED ADR 055622104   336,781 8,076 SH   SOLE   0 0 0
Chevron Corp COM 166764100   660,854 5,311 SH   SOLE   0 0 0
Chubb Ltd COM H1467J104   265,711 1,804 SH   SOLE   0 0 0
Cisco Systems Inc COM 17275R102   1,083,528 19,798 SH   SOLE   0 0 0
Coca-Cola Co COM 191216100   453,965 8,915 SH   SOLE   0 0 0
Comcast Corp Class A CL A 20030N101   379,011 8,964 SH   SOLE   0 0 0
Cyanotech Corp COM PAR $0.02 232437301   48,831 15,752 SH   SOLE   0 0 0
Expedia Group Inc EXPE 30212p105   444,625 3,342 SH   SOLE   0 0 0
Exxon Mobil Corp COM 30231G102   808,095 10,545 SH   SOLE   0 0 0
Fidelity Corporate Bond ETF ETF 316188101   283,936 5,486 SH   SOLE   0 0 0
Fidelity MSCI Health Care ETF MSCI HLTH CARE I 316092600   5,899,108 131,062 SH   SOLE   0 0 0
Fidelity MSCI Information Tech ETF MSCI INFO TECH I 316092808   8,226,748 132,093 SH   SOLE   0 0 0
First Trust Global Wind Energy ETF GBL WND ENRG ETF 33736G106   170,190 12,748 SH   SOLE   0 0 0
GE Aerospace COM NEW 369604301   165,254 15,738 SH   SOLE   0 0 0
General Mills Inc COM 370334104   314,841 5,995 SH   SOLE   0 0 0
Gilead Sciences Inc COM 375558103   207,321 3,069 SH   SOLE   0 0 0
Goldman Sachs ActiveBeta US LgCp Eq ETF ACTIVEBETA US LG 381430503   14,589,355 248,245 SH   SOLE   0 0 0
Intel Corp COM 458140100   618,290 12,916 SH   SOLE   0 0 0
International Business Machines Corp COM 459200101   456,173 3,308 SH   SOLE   0 0 0
Invesco Financial Preferred ETF ETF 46137V621   840,417 45,625 SH   SOLE   0 0 0
Invesco National AMT-Free Muni Bd ETF NATL AMT MUNI 46138E537   4,190,400 160,367 SH   SOLE   0 0 0
Invesco S&P 500 Low Volatility ETF S&P500 EQL WGT 46137V357   261,785 4,758 SH   SOLE   0 0 0
Invesco Water Resources ETF ETF 46137V142   237,978 6,683 SH   SOLE   0 0 0
iShares 0-5 Year Invmt Grade Corp Bd ETF 0-5YR INVT GR CP 46434V100   11,980,088 235,042 SH   SOLE   0 0 0
iShares 3-7 Year Treasury Bond ETF 3 7 YR TREAS BD 464288661   12,391,910 98,536 SH   SOLE   0 0 0
iShares 7-10 Year Treasury Bond ETF 7-10 YR TRSY BD 464287440   8,599,670 78,165 SH   SOLE   0 0 0
iShares Core Dividend Growth ETF ETF 46434V621   11,269,959 295,025 SH   SOLE   0 0 0
iShares Core MSCI EAFE ETF CORE MSCI EMKT 46434G103   11,082,299 180,493 SH   SOLE   0 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   1,496,944 29,101 SH   SOLE   0 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200   93,125,382 315,947 SH   SOLE   0 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   9,761,071 124,694 SH   SOLE   0 0 0
Ishares Core S&P Total US Stock Market CORE S&P TTL STK 464287150   242,305 3,637 SH   SOLE   0 0 0
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655   527,584 10,359 SH   SOLE   0 0 0
iShares iBoxx $ High Yield Corp Bd ETF ETF 464288513   584,141 6,700 SH   SOLE   0 0 0
iShares iBoxx $ Invmt Grade Corp Bd ETF IBOXX INV CP ETF 464287242   11,680,948 93,921 SH   SOLE   0 0 0
iShares MSCI Hong Kong ETF ETF 464286871   243,272 9,400 SH   SOLE   0 0 0
iShares MSCI USA Min Vol Factor ETF ETF 46429B697   22,097,536 357,971 SH   SOLE   0 0 0
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414   2,732,571 24,163 SH   SOLE   0 0 0
iShares Preferred&Income Securities ETF ETF 464288687   3,044,060 82,607 SH   SOLE   0 0 0
iShares S&P Small-Cap 600 Value ETF ETF 464287879   12,709,098 85,514 SH   SOLE   0 0 0
iShares Short-Term National Muni Bd ETF ETF 464288158   513,464 4,819 SH   SOLE   0 0 0
iShares TIPS Bond ETF ETF 464287176   9,220,429 79,837 SH   SOLE   0 0 0
iShares US Real Estate ETF ETF 464287397   1,528,368 17,505 SH   SOLE   0 0 0
Johnson & Johnson COM 478160104   966,626 6,940 SH   SOLE   0 0 0
JPMorgan Chase & Co COM 46625H100   408,707 3,656 SH   SOLE   0 0 0
JPMorgan Diversified Return EMkts Eq ETF ETF 46641Q209   10,772,227 193,675 SH   SOLE   0 0 0
JPMorgan Diversified Return Intl Eq ETF ETF 46641Q209   2,186,447 40,148 SH   SOLE   0 0 0
Kinder Morgan Inc Class P COM 49456B101   215,257 10,309 SH   SOLE   0 0 0
KRAFT HEINZ CO COM COM 500754106   918,328 29,585 SH   SOLE   0 0 0
Lincoln National Corp COM 534187208   309,296 4,799 SH   SOLE   0 0 0
M&T Bank Corp COM 55261F104   230,875 1,358 SH   SOLE   0 0 0
Mastercard Inc Class A CL A 57636Q104   315,876 1,194 SH   SOLE   0 0 0
Merck & Co Inc COM 58933Y105   220,399 2,628 SH   SOLE   0 0 0
Meta Platforms Inc Class A CL A 30303M102   401,054 2,078 SH   SOLE   0 0 0
Microsoft Corp COM 594918104   582,589 4,349 SH   SOLE   0 0 0
Molson Coors Beverage Co Shs -B- Non-Voting COM 60871R209   598,162 10,681 SH   SOLE   0 0 0
Mondelez International Inc Class A CL A 609207105   2,305,511 42,774 SH   SOLE   0 0 0
Nestle SA ADR COM 641069406   418,150 4,044 SH   SOLE   0 0 0
Oracle Corp COM 68389X105   510,835 8,967 SH   SOLE   0 0 0
PepsiCo Inc COM 713448108   488,911 3,728 SH   SOLE   0 0 0
Pfizer Inc COM 717081103   1,295,106 29,896 SH   SOLE   0 0 0
Philip Morris International Inc COM 718172109   357,272 4,549 SH   SOLE   0 0 0
Public Service Enterprise Group Inc COM 744573106   1,230,868 20,926 SH   SOLE   0 0 0
Regeneron Pharmaceuticals Inc COM 75886F107   497,983 1,591 SH   SOLE   0 0 0
Schwab Intermediate-Term US Trs ETF ETF 91282CJZ5   262,049 4,768 SH   SOLE   0 0 0
Schwab US Broad Market ETF US BRD MKT ETF 808524102   1,354,035 19,198 SH   SOLE   0 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797   376,426 7,093 SH   SOLE   0 0 0
Schwab US TIPS ETF ETF 91282CJY8   207,390 3,683 SH   SOLE   0 0 0
Signature Bank COM 82669G104   580,636 4,805 SH   SOLE   0 0 0
SPDRDow Jones Industrial Avrg ETF Tr ETF 78467X109   611,455 2,300 SH   SOLE   0 0 0
SPDR Nuveen Blmbg Hi Yld Muncpl Bd ETF ETF 78464A284   776,265 13,281 SH   SOLE   0 0 0
SPDR S&P 500 ETF Trust PRTFLO S&P500 GW 78464A409   1,883,321 6,428 SH   SOLE   0 0 0
Stryker Corp COM 863667101   285,993 1,391 SH   SOLE   0 0 0
Texas Instruments Inc COM 882508104   282,241 2,459 SH   SOLE   0 0 0
The Home Depot Inc COM 437076102   474,985 2,284 SH   SOLE   0 0 0
The Walt Disney Co COM 254687106   245,901 1,761 SH   SOLE   0 0 0
TJX Companies Inc COM 872540109   226,212 4,278 SH   SOLE   0 0 0
Tortoise North American Pipeline ETF 56167N720   25,639,957 1,072,353 SH   SOLE   0 0 0
Ulta Beauty Inc COM 90384S303   208,134 600 SH   SOLE   0 0 0
UNION PACIFIC CORP COM 907818108   638,975 3,778 SH   SOLE   0 0 0
VanEck Biotech ETF ETF 57060U183   6,343,825 49,188 SH   SOLE   0 0 0
VanEck Fallen Angel HiYld Bd ETF FALLEN ANGEL HG 92189F437   7,051,778 240,675 SH   SOLE   0 0 0
Vanguard Consumer Staples ETF CONSUM STP ETF 92204A207   451,487 3,035 SH   SOLE   0 0 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844   726,304 6,307 SH   SOLE   0 0 0
Vanguard Growth ETF ETF 922908736   422,036 2,583 SH   SOLE   0 0 0
Vanguard High Dividend Yield ETF ETF 921946406   4,650,361 53,220 SH   SOLE   0 0 0
VANGUARD INDEX FDS VANGUARD TOTAL STK MK ETF 922908769   2,355,120 17,777 SH   SOLE   0 0 0
Vanguard Materials ETF ETF 92204A801   289,091 2,255 SH   SOLE   0 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629   356,385 2,132 SH   SOLE   0 0 0
Vanguard Real Estate ETF ETF 922908553   854,512 9,777 SH   SOLE   0 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363   2,848,414 10,583 SH   SOLE   0 0 0
Vanguard Short-Term Infl-Prot Secs ETF ETF 922020805   300,753 6,098 SH   SOLE   0 0 0
Vanguard Small-Cap Growth ETF ETF 922908595   605,183 3,250 SH   SOLE   0 0 0
Varian Medical Systems Inc COM 92220P105   252,206 1,900 SH   SOLE   0 0 0
Verizon Communications Inc COM 92343V104   1,713,687 29,996 SH   SOLE   0 0 0
Visa Inc Class A COM CL A 92826C839   810,914 4,673 SH   SOLE   0 0 0
Wells Fargo & Co COM 949746101   616,541 13,029 SH   SOLE   0 0 0