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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
AMAZON COM INC COM 023135106 BBG001S5PQL7 222,292 1,193 SH   SOLE   1,193 0 0
APPLE INC COM 037833100 BBG001S5N8V8 288,709 1,238 SH   SOLE   1,238 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 BBG001S90346 200,673 436 SH   SOLE   436 0 0
BLACKSTONE INC COM 09260D107 BBG001S7H949 214,301 1,400 SH   SOLE   1,400 0 0
EVANS BANCORP INC COM NEW 29911Q208 BBG001S6KMM8 1,435,577 36,838 SH   SOLE   36,838 0 0
INVESCO EXCHANGE TRADED FD T AI AND NEXT GEN 46137V639 BBG001SN6GV0 2,805,981 61,668 SH   SOLE   61,668 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 BBG001S9GN63 5,977,609 12,215 SH   SOLE   12,215 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 BBG005DW06B7 553,256 12,742 SH   SOLE   12,742 0 0
ISHARES TR 10-20 YR TRS ETF 464288653 BBG001SSD830 18,642,910 170,522 SH   SOLE   170,522 0 0
ISHARES TR 20 YR TR BD ETF 464287432 BBG001S8MLN3 18,324,435 186,802 SH   SOLE   186,802 0 0
ISHARES TR CORE S&P SCP ETF 464287804 BBG001SFC7W9 1,344,055 11,478 SH   SOLE   11,478 0 0
ISHARES TR IBOXX INV CP ETF 464287242 BBG001S60QR6 23,259,585 205,867 SH   SOLE   205,867 0 0
ISHARES TR MRGSTR SM CP GR 464288604 BBG001SBRKD4 3,008,686 61,439 SH   SOLE   61,439 0 0
ISHARES TR MSCI USA MMENTM 46432F396 BBG004FPV022 364,901 1,801 SH   SOLE   1,801 0 0
ISHARES TR RUS MID CAP ETF 464287499 BBG001SJCNS1 2,120,856 24,042 SH   SOLE   24,042 0 0
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 BBG00TSG0SK6 5,350,797 89,909 SH   SOLE   89,909 0 0
J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 BBG016NKZFF7 5,161,627 93,958 SH   SOLE   93,958 0 0
MARSH & MCLENNAN COS INC COM 571748102 BBG001S5T7M4 224,689 1,007 SH   SOLE   1,007 0 0
PFIZER INC COM 717081103 BBG001S5V466 3,532,060 122,042 SH   SOLE   122,042 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 BBG001T9F795 528,780 10,800 SH   SOLE   10,800 0 0
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 BBG001WBMLH8 9,441,266 198,676 SH   SOLE   198,676 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 BBG001T5XQT9 32,463,290 488,013 SH   SOLE   488,013 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 BBG0025RWLM4 21,011,607 248,577 SH   SOLE   248,577 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 BBG001T66WN0 14,644,097 140,533 SH   SOLE   140,533 0 0
SPDR SER TR GLB DOW ETF 78464A706 BBG001SG4257 2,767,178 20,059 SH   SOLE   20,059 0 0
SPDR SER TR PORTFOLIO INTRMD 78464A375 BBG001T2HCY9 13,426,383 398,291 SH   SOLE   398,291 0 0
SPDR SER TR S&P 400 MDCP GRW 78464A821 BBG001SPTBN0 1,308,943 14,906 SH   SOLE   14,906 0 0
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 BBG001SRN7S6 256,568 1,050 SH   SOLE   1,050 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 BBG001TC6MC1 4,584,651 8,682 SH   SOLE   8,682 0 0
VANGUARD INDEX FDS VALUE ETF 922908744 BBG001SHVR78 1,799,895 10,306 SH   SOLE   10,306 0 0
VANGUARD WORLD FD CONSUM STP ETF 92204A207 BBG001SHVR41 264,633 1,211 SH   SOLE   1,211 0 0
VICTORY PORTFOLIOS II VCSHS US LRG CAP 92647N865 BBG009K7JND7 1,477,697 21,784 SH   SOLE   21,784 0 0
WHIRLPOOL CORP COM 963320106 BBG001S5XFS5 603,433 5,630 SH   SOLE   5,630 0 0
WISDOMTREE TR INDIA ERNGS FD 97717W422 BBG001T21LV9 2,390,744 47,379 SH   SOLE   47,379 0 0