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
ALPHABET INC CAP STK CL C 02079K107   2,787,224 16,671 SH   SOLE   0 0 16,671
ALPHABET INC CAP STK CL A 02079K305   1,459,480 8,800 SH   SOLE   0 0 8,800
AMAZON COM INC COM 023135106   719,420 3,861 SH   SOLE   0 0 3,861
AMERICAN CENTY ETF TR INTL SMCP VLU 025072802   10,271,531 145,345 SH   SOLE   0 0 145,345
AMERICAN CENTY ETF TR US SML CP VALU 025072877   12,310,766 128,304 SH   SOLE   0 0 128,304
AMERICAN EXPRESS CO COM 025816109   478,668 1,765 SH   SOLE   0 0 1,765
APPLE INC COM 037833100   3,953,134 16,966 SH   SOLE   0 0 16,966
BANK AMERICA CORP COM 060505104   1,002,561 25,266 SH   SOLE   0 0 25,266
BERKSHIRE HATHAWAY INC DEL CL A 084670108   691,180 1 SH   SOLE   0 0 1
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,470,505 9,713 SH   SOLE   0 0 9,713
BLACKROCK MUNIYILD QULT FD I COM 09254F100   209,760 16,000 SH   SOLE   0 0 16,000
BLACKSTONE MTG TR INC COM CL A 09257W100   5,500 10,000 SH Put SOLE   0 0 10,000
BNY MELLON ETF TRUST GLOBAL INFRASCTR 09661T826   6,844,863 210,595 SH   SOLE   0 0 210,595
BOSTON SCIENTIFIC CORP COM 101137107   1,948,853 23,256 SH   SOLE   0 0 23,256
CAMBRIA ETF TR SHSHLD YIELD ETF 132061201   1,504,645 20,791 SH   SOLE   0 0 20,791
COMMUNITY FINANCIAL SYSTEM I COM 203607106   7,189,709 123,811 SH   SOLE   0 0 123,811
COSTCO WHSL CORP NEW COM 22160K105   866,130 977 SH   SOLE   0 0 977
DANAHER CORPORATION COM 235851102   587,734 2,114 SH   SOLE   0 0 2,114
EXXON MOBIL CORP COM 30231G102   580,106 4,949 SH   SOLE   0 0 4,949
FASTENAL CO COM 311900104   1,266,134 17,728 SH   SOLE   0 0 17,728
FIRST TR EXCHNG TRADED FD VI FT ENERGY INCOME 33740F276   500,430 25,862 SH   SOLE   0 0 25,862
FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827   13,619,442 361,772 SH   SOLE   0 0 361,772
GLOBAL X FDS S&P EX US ETF 37954Y368   398,475 12,173 SH   SOLE   0 0 12,173
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889   836,394 12,054 SH   SOLE   0 0 12,054
GLOBAL X FDS 1-3 MONTH T-BILL 37960A438   2,500,943 24,885 SH   SOLE   0 0 24,885
GOLDMAN SACHS ETF TR JUST US LRG CP 381430396   874,838 10,679 SH   SOLE   0 0 10,679
HOME DEPOT INC COM 437076102   343,252 847 SH   SOLE   0 0 847
INSPIREMD INC COM 45779A846   80,400 30,000 SH   SOLE   0 0 30,000
INTERCONTINENTAL EXCHANGE IN COM 45866F104   402,724 2,507 SH   SOLE   0 0 2,507
INTERNATIONAL BUSINESS MACHS COM 459200101   293,815 1,329 SH   SOLE   0 0 1,329
INVESCO ACTIVELY MANAGED EXC ULTRA SHRT DUR 46090A887   371,131 7,396 SH   SOLE   0 0 7,396
INVESCO EXCH TRADED FD TR II DORSEY WRGT SMLC 46138E842   1,221,148 13,149 SH   SOLE   0 0 13,149
INVESCO EXCH TRADED FD TR II S&P SMALLCAP 600 46138G664   1,241,941 27,170 SH   SOLE   0 0 27,170
INVESCO EXCH TRADED FD TR II VAR RATE PFD 46138G870   364,454 14,900 SH   SOLE   0 0 14,900
INVESCO EXCH TRD SLF IDX FD INVSCO BLSH 28 46138J643   3,424,495 166,561 SH   SOLE   0 0 166,561
INVESCO EXCH TRD SLF IDX FD INVESCO BULLETSH 46139W825   3,113,282 144,267 SH   SOLE   0 0 144,267
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   280,463 6,750 SH   SOLE   0 0 6,750
INVESCO QQQ TR UNIT SER 1 46090E103   801,411 1,642 SH   SOLE   0 0 1,642
ISHARES GOLD TR ISHARES NEW 464285204   11,608,329 233,568 SH   SOLE   0 0 233,568
ISHARES INC EM MKT SM-CP ETF 464286475   529,266 8,297 SH   SOLE   0 0 8,297
ISHARES INC MSCI GBL MIN VOL 464286525   269,146 2,350 SH   SOLE   0 0 2,350
ISHARES INC MSCI EURZONE ETF 464286608   5,536,244 105,997 SH   SOLE   0 0 105,997
ISHARES INC CORE MSCI EMKT 46434G103   27,561,392 480,080 SH   SOLE   0 0 480,080
ISHARES INC MSCI EMRG CHN 46434G764   10,857,520 177,672 SH   SOLE   0 0 177,672
ISHARES INC ESG AWR MSCI EM 46434G863   3,087,152 84,789 SH   SOLE   0 0 84,789
ISHARES TR CORE S&P TTL STK 464287150   287,670 2,290 SH   SOLE   0 0 2,290
ISHARES TR CORE S&P500 ETF 464287200   60,084,936 104,166 SH   SOLE   0 0 104,166
ISHARES TR CORE US AGGBD ET 464287226   666,559 6,582 SH   SOLE   0 0 6,582
ISHARES TR S&P 500 GRWT ETF 464287309   5,257,102 54,904 SH   SOLE   0 0 54,904
ISHARES TR GLOB HLTHCRE ETF 464287325   6,877,760 70,067 SH   SOLE   0 0 70,067
ISHARES TR S&P 500 VAL ETF 464287408   4,002,143 20,298 SH   SOLE   0 0 20,298
ISHARES TR 7-10 YR TRSY BD 464287440   1,058,028 10,783 SH   SOLE   0 0 10,783
ISHARES TR MSCI EAFE ETF 464287465   306,002 3,659 SH   SOLE   0 0 3,659
ISHARES TR CORE S&P MCP ETF 464287507   28,071,523 450,442 SH   SOLE   0 0 450,442
ISHARES TR RUS 1000 VAL ETF 464287598   11,732,351 61,814 SH   SOLE   0 0 61,814
ISHARES TR RUS 1000 GRW ETF 464287614   15,204,102 40,503 SH   SOLE   0 0 40,503
ISHARES TR U.S. TECH ETF 464287721   227,430 1,500 SH   SOLE   0 0 1,500
ISHARES TR US HLTHCARE ETF 464287762   203,125 3,125 SH   SOLE   0 0 3,125
ISHARES TR CORE S&P SCP ETF 464287804   21,323,005 182,311 SH   SOLE   0 0 182,311
ISHARES TR DOW JONES US ETF 464287846   440,686 3,157 SH   SOLE   0 0 3,157
ISHARES TR MSCI ACWI EX US 464288240   349,042 6,100 SH   SOLE   0 0 6,100
ISHARES TR MSCI ACWI ETF 464288257   1,721,886 14,403 SH   SOLE   0 0 14,403
ISHARES TR MRGSTR MD CP GRW 464288307   1,506,903 20,651 SH   SOLE   0 0 20,651
ISHARES TR MBS ETF 464288588   61,929,979 646,383 SH   SOLE   0 0 646,383
ISHARES TR ISHS 5-10YR INVT 464288638   537,200 10,000 SH   SOLE   0 0 10,000
ISHARES TR PFD AND INCM SEC 464288687   274,646 8,265 SH   SOLE   0 0 8,265
ISHARES TR CORE HIGH DV ETF 46429B663   3,969,615 33,750 SH   SOLE   0 0 33,750
ISHARES TR MSCI EAFE MIN VL 46429B689   624,338 8,140 SH   SOLE   0 0 8,140
ISHARES TR MSCI USA MIN VOL 46429B697   3,345,860 36,643 SH   SOLE   0 0 36,643
ISHARES TR CORE MSCI EAFE 46432F842   88,617,892 1,135,399 SH   SOLE   0 0 1,135,399
ISHARES TR MSCI LW CRB TG 46434V464   299,121 1,525 SH   SOLE   0 0 1,525
ISHARES TR CORE DIV GRWTH 46434V621   1,503,996 23,991 SH   SOLE   0 0 23,991
ISHARES TR ESG AWRE USD ETF 46435G193   385,255 16,194 SH   SOLE   0 0 16,194
ISHARES TR ESG AWRE 1 5 YR 46435G243   407,428 16,194 SH   SOLE   0 0 16,194
ISHARES TR ESG AWR MSCI USA 46435G425   1,762,037 13,964 SH   SOLE   0 0 13,964
ISHARES TR ESG AW MSCI EAFE 46435G516   6,673,436 79,285 SH   SOLE   0 0 79,285
ISHARES TR BB RAT CORP BD 46435U473   1,622,211 34,260 SH   SOLE   0 0 34,260
ISHARES TR ESG AWARE MSCI 46435U663   221,906 5,306 SH   SOLE   0 0 5,306
ISHARES TR 0-3 MNTH TREASRY 46436E718   14,408,513 143,055 SH   SOLE   0 0 143,055
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   48,518,750 815,304 SH   SOLE   0 0 815,304
J P MORGAN EXCHANGE TRADED F ULTRA SHT MUNCPL 46641Q654   726,914 14,270 SH   SOLE   0 0 14,270
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   674,597 11,925 SH   SOLE   0 0 11,925
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   2,970,776 58,549 SH   SOLE   0 0 58,549
J P MORGAN EXCHANGE TRADED F DIVERSFD EQT ETF 46641Q845   529,963 11,034 SH   SOLE   0 0 11,034
J P MORGAN EXCHANGE TRADED F DIVERSFED RTRN 46641Q886   578,245 5,505 SH   SOLE   0 0 5,505
JANUS DETROIT STR TR HENDERSON SECURI 47103U746   22,938,424 433,001 SH   SOLE   0 0 433,001
JANUS DETROIT STR TR HENDRSON AAA CL 47103U845   32,669,430 642,088 SH   SOLE   0 0 642,088
JOHN HANCOCK EXCHANGE TRADED MORTGAGE BACKED 47804J792   261,272 11,690 SH   SOLE   0 0 11,690
JOHNSON & JOHNSON COM 478160104   727,301 4,488 SH   SOLE   0 0 4,488
JPMORGAN CHASE & CO. COM 46625H100   756,144 3,586 SH   SOLE   0 0 3,586
Linde PLC SHS G54950103   1,030,018 2,160 SH   SOLE   0 0 2,160
M & T BK CORP COM 55261F104   1,054,699 5,921 SH   SOLE   0 0 5,921
MASTERCARD INCORPORATED CL A 57636Q104   6,593,310 13,352 SH   SOLE   0 0 13,352
Merck & Co Inc COM 58933Y105   204,408 1,800 SH   SOLE   0 0 1,800
MICROSOFT CORP COM 594918104   2,818,229 6,549 SH   SOLE   0 0 6,549
MIDCAP FINANCIAL INVSTMNT CO COM NEW 03761U502   190,518 14,228 SH   SOLE   0 0 14,228
NOVO-NORDISK A S ADR 670100205   208,373 1,750 SH   SOLE   0 0 1,750
NVIDIA CORPORATION COM 67066G104   473,616 3,900 SH   SOLE   0 0 3,900
OCULAR THERAPEUTIX INC COM 67576A100   1,616,164 185,766 SH   SOLE   0 0 185,766
PAYCHEX INC COM 704326107   633,072 4,718 SH   SOLE   0 0 4,718
PEPSICO INC COM 713448108   210,269 1,237 SH   SOLE   0 0 1,237
PIMCO ACCESS INCOME FUND SHS BENFIN INT 72203T100   670,212 40,301 SH   SOLE   0 0 40,301
PIMCO DYNAMIC INCOME OPRNTS COM BEN SHS 69355M107   300,323 21,269 SH   SOLE   0 0 21,269
PIMCO ETF TR ENHNCD LW DUR AC 72201R718   505,421 5,267 SH   SOLE   0 0 5,267
PROCTER AND GAMBLE CO COM 742718109   522,025 3,014 SH   SOLE   0 0 3,014
RAND CAP CORP COM NEW 752185207   263,784 16,104 SH   SOLE   0 0 16,104
REDWOOD TRUST INC COM 758075402   102,322 13,237 SH   SOLE   0 0 13,237
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   9,110,043 134,267 SH   SOLE   0 0 134,267
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   309,000 6,000 SH   SOLE   0 0 6,000
SELECT SECTOR SPDR TR SBI INT-UTILS 81369Y886   7,279,075 90,110 SH   SOLE   0 0 90,110
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   558,942 1,321 SH   SOLE   0 0 1,321
SPDR GOLD TR GOLD SHS 78463V107   584,316 2,404 SH   SOLE   0 0 2,404
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   428,028 10,369 SH   SOLE   0 0 10,369
SPDR INDEX SHS FDS PORTFOLIO DEVLPD 78463X889   450,063 11,983 SH   SOLE   0 0 11,983
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,872,137 5,006 SH   SOLE   0 0 5,006
SPDR SER TR PORTFOLIO INTRMD 78464A375   26,414,137 783,570 SH   SOLE   0 0 783,570
SPDR SER TR PRTFLO S&P500 GW 78464A409   55,804,355 672,828 SH   SOLE   0 0 672,828
SPDR SER TR PORTFOLIO SHORT 78464A474   587,008 19,386 SH   SOLE   0 0 19,386
SPDR SER TR PRTFLO S&P500 VL 78464A508   62,534,284 1,183,017 SH   SOLE   0 0 1,183,017
SPDR SER TR PORTFOLIO S&P400 78464A847   4,152,502 75,942 SH   SOLE   0 0 75,942
SPDR SER TR PORTFOLIO S&P500 78464A854   29,694,392 439,852 SH   SOLE   0 0 439,852
SPDR SER TR PORTFOLIO S&P600 78468R853   2,446,165 53,750 SH   SOLE   0 0 53,750
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   1,657,997 39,703 SH   SOLE   0 0 39,703
TJX COS INC NEW COM 872540109   1,574,566 13,396 SH   SOLE   0 0 13,396
TRANE TECHNOLOGIES PLC SHS G8994E103   295,824 761 SH   SOLE   0 0 761
UNITEDHEALTH GROUP INC COM 91324P102   218,086 373 SH   SOLE   0 0 373
VANECK ETF TRUST GREEN BOND ETF 92189F171   384,747 15,679 SH   SOLE   0 0 15,679
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   1,442,650 2,734 SH   SOLE   0 0 2,734
VANGUARD INDEX FDS SM CP VAL ETF 922908611   342,531 1,706 SH   SOLE   0 0 1,706
VANGUARD INDEX FDS MID CAP ETF 922908629   822,358 3,117 SH   SOLE   0 0 3,117
VANGUARD INDEX FDS SMALL CP ETF 922908751   893,570 3,767 SH   SOLE   0 0 3,767
VANGUARD INDEX FDS TOTAL STK MKT 922908769   239,837 847 SH   SOLE   0 0 847
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,228,122 10,260 SH   SOLE   0 0 10,260
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,945,317 40,654 SH   SOLE   0 0 40,654
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   235,191 3,893 SH   SOLE   0 0 3,893
VANGUARD SCOTTSDALE FDS VNG RUS1000VAL 92206C714   433,316 5,200 SH   SOLE   0 0 5,200
VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813   10,056,254 123,800 SH   SOLE   0 0 123,800
VANGUARD SCOTTSDALE FDS LONG TERM TREAS 92206C847   27,914,696 453,602 SH   SOLE   0 0 453,602
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   256,861 3,067 SH   SOLE   0 0 3,067
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,416,775 7,153 SH   SOLE   0 0 7,153
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   4,938,022 93,505 SH   SOLE   0 0 93,505
VANGUARD WORLD FD ESG INTL STK ETF 921910725   722,743 11,750 SH   SOLE   0 0 11,750
VANGUARD WORLD FD ESG US STK ETF 921910733   736,963 7,250 SH   SOLE   0 0 7,250
VISA INC COM CL A 92826C839   254,716 926 SH   SOLE   0 0 926
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   1,432,031 28,515 SH   SOLE   0 0 28,515
WORLD GOLD TR SPDR GLD MINIS 98149E303   17,708,874 339,706 SH   SOLE   0 0 339,706