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 A 02079K305   974,743 5,877 SH   SOLE   0 0 5,877
ALPHABET INC CAP STK CL C 02079K107   209,855 1,255 SH   SOLE   0 0 1,255
AMAZON COM INC COM 023135106   3,253,135 17,459 SH   SOLE   0 0 17,459
AMERICAN TOWER CORP NEW COM 03027X100   551,167 2,370 SH   SOLE   0 0 2,370
APPLE INC COM 037833100   1,729,837 7,424 SH   SOLE   0 0 7,424
ARCH CAP GROUP LTD ORD G0450A105   355,107 3,174 SH   SOLE   0 0 3,174
ARES MANAGEMENT CORPORATION CL A COM STK 03990B101   387,107 2,484 SH   SOLE   0 0 2,484
ARISTA NETWORKS INC COM 040413106   524,298 1,366 SH   SOLE   0 0 1,366
BERKLEY W R CORP COM 084423102   335,898 5,921 SH   SOLE   0 0 5,921
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   4,274,895 9,288 SH   SOLE   0 0 9,288
BEST BUY INC COM 086516101   555,754 5,380 SH   SOLE   0 0 5,380
CADENCE DESIGN SYSTEM INC COM 127387108   678,117 2,502 SH   SOLE   0 0 2,502
CAPITAL GROUP CORE EQUITY ET SHS CREATION UNI 14020V108   322,198 9,399 SH   SOLE   0 0 9,399
CAPITAL GROUP DIVIDEND VALUE SHS CREATION UNI 14020W106   583,960 16,025 SH   SOLE   0 0 16,025
CAPITAL GROUP GROWTH ETF SHS CREATION UNI 14020G101   522,224 15,011 SH   SOLE   0 0 15,011
CAPITAL GROUP INTL FOCUS EQT SHS CREATION UNI 14019W109   5,459,760 202,438 SH   SOLE   0 0 202,438
CAPITAL GRP FIXED INCM ETF T CORE PLUS INCM 14020Y102   245,789 10,631 SH   SOLE   0 0 10,631
CARDINAL HEALTH INC COM 14149Y108   902,506 8,166 SH   SOLE   0 0 8,166
CAVA GROUP INC COM 148929102   456,883 3,689 SH   SOLE   0 0 3,689
CHARTER COMMUNICATIONS INC N CL A 16119P108   628,391 1,939 SH   SOLE   0 0 1,939
CINTAS CORP COM 172908105   877,049 4,260 SH   SOLE   0 0 4,260
COLGATE PALMOLIVE CO COM 194162103   381,606 3,676 SH   SOLE   0 0 3,676
COMMVAULT SYS INC COM 204166102   375,856 2,443 SH   SOLE   0 0 2,443
COOPER COS INC COM 216648501   367,212 3,328 SH   SOLE   0 0 3,328
COSTCO WHSL CORP NEW COM 22160K105   211,382 238 SH   SOLE   0 0 238
DELL TECHNOLOGIES INC CL C 24703L202   613,839 5,178 SH   SOLE   0 0 5,178
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   585,746 17,082 SH   SOLE   0 0 17,082
DISNEY WALT CO COM 254687106   495,475 5,151 SH   SOLE   0 0 5,151
ELI LILLY & CO COM 532457108   243,013 274 SH   SOLE   0 0 274
EMBRAER S.A. SPONSORED ADS 29082A107   426,598 12,061 SH   SOLE   0 0 12,061
ENBRIDGE INC COM 29250N105   456,578 11,243 SH   SOLE   0 0 11,243
FAIR ISAAC CORP COM 303250104   322,624 166 SH   SOLE   0 0 166
FIDELITY COVINGTON TRUST ENHANCED LARGE 31609A305   319,922 9,642 SH   SOLE   0 0 9,642
FIRST TR EXCHANGE TRADED FD INTL EQUITY OPP 33734X853   297,624 6,154 SH   SOLE   0 0 6,154
FIRST TR EXCHANGE-TRADED FD MANAGD MUN ETF 33739N108   391,623 7,537 SH   SOLE   0 0 7,537
FIRST TR EXCHANGE-TRADED FD RISNG DIVD ACHIV 33738R506   476,099 8,041 SH   SOLE   0 0 8,041
FIRST TR EXCHANGE-TRADED FD NASDQ OIL GAS 33738R845   269,466 9,308 SH   SOLE   0 0 9,308
FIRST TR EXCHANGE-TRADED FD FT VEST S&P 500 33739Q705   801,401 14,710 SH   SOLE   0 0 14,710
FIRST TR EXCHANGE-TRADED FD NASD TECH DIV 33738R118   1,637,076 20,387 SH   SOLE   0 0 20,387
FIRST TR EXCHANGE-TRADED FD CAP STRENGTH ETF 33733E104   337,170 3,713 SH   SOLE   0 0 3,713
FIRST TR EXCHANGE-TRADED FD DJ INTERNT IDX 33733E302   278,345 1,314 SH   SOLE   0 0 1,314
FIRST TR EXCHNG TRADED FD VI TCW UNCONSTRAI 33740F888   257,306 10,239 SH   SOLE   0 0 10,239
FIRST TR MID CAP CORE ALPHAD COM SHS 33735B108   330,246 2,819 SH   SOLE   0 0 2,819
GALLAGHER ARTHUR J & CO COM 363576109   437,249 1,554 SH   SOLE   0 0 1,554
GE AEROSPACE COM NEW 369604301   921,688 4,888 SH   SOLE   0 0 4,888
HOWMET AEROSPACE INC COM 443201108   1,308,764 13,055 SH   SOLE   0 0 13,055
INVESCO ACTIVELY MANAGED EXC ULTRA SHRT DUR 46090A887   3,128,741 62,350 SH   SOLE   0 0 62,350
INVESCO EXCH TRADED FD TR II NASDAQ 100 ETF 46138G649   2,330,269 11,602 SH   SOLE   0 0 11,602
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449   1,135,596 11,098 SH   SOLE   0 0 11,098
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357   957,073 5,342 SH   SOLE   0 0 5,342
INVESCO EXCHANGE TRADED FD T AEROSPACE DEFN 46137V100   620,033 5,393 SH   SOLE   0 0 5,393
INVESCO QQQ TR UNIT SER 1 46090E103   5,147,232 10,546 SH   SOLE   0 0 10,546
ISHARES INC MSCI PAC JP ETF 464286665   570,695 11,685 SH   SOLE   0 0 11,685
ISHARES INC CORE MSCI EMKT 46434G103   802,536 13,979 SH   SOLE   0 0 13,979
ISHARES SILVER TR ISHARES 46428Q109   611,554 21,526 SH   SOLE   0 0 21,526
ISHARES TR LATN AMER 40 ETF 464287390   541,882 20,914 SH   SOLE   0 0 20,914
ISHARES TR CORE S&P MCP ETF 464287507   1,853,040 29,734 SH   SOLE   0 0 29,734
ISHARES TR CORE S&P SCP ETF 464287804   865,225 7,398 SH   SOLE   0 0 7,398
ISHARES TR SP SMCP600VL ETF 464287879   297,895 2,767 SH   SOLE   0 0 2,767
ISHARES TR CORE S&P500 ETF 464287200   6,297,390 10,917 SH   SOLE   0 0 10,917
ISHARES TR RUS 1000 GRW ETF 464287614   442,573 1,179 SH   SOLE   0 0 1,179
ISHARES TR ISHARES SEMICDTR 464287523   515,302 2,235 SH   SOLE   0 0 2,235
ISHARES TR US TREAS BD ETF 46429B267   780,662 33,290 SH   SOLE   0 0 33,290
ISHARES TR MSCI EAFE MIN VL 46429B689   305,996 3,990 SH   SOLE   0 0 3,990
ISHARES TR MODERT ALLOC ETF 464289875   463,595 10,277 SH   SOLE   0 0 10,277
ISHARES TR CONSER ALLOC ETF 464289883   213,287 5,517 SH   SOLE   0 0 5,517
ISHARES TR RUS TP200 GR ETF 464289438   545,301 2,478 SH   SOLE   0 0 2,478
ISHARES TR ESG AWARE MSCI 46435U663   232,728 5,565 SH   SOLE   0 0 5,565
ISHARES TR ESG MSCI USA ETF 46436E767   854,777 17,416 SH   SOLE   0 0 17,416
ISHARES TR ESG EAFE ETF 46436E759   215,976 2,998 SH   SOLE   0 0 2,998
ISHARES TR CORE MSCI INTL 46435G326   2,505,787 35,377 SH   SOLE   0 0 35,377
ISHARES TR CORE DIV GRWTH 46434V621   410,968 6,556 SH   SOLE   0 0 6,556
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   400,821 7,900 SH   SOLE   0 0 7,900
J P MORGAN EXCHANGE TRADED F US QUALTY FCTR 46641Q761   285,735 5,051 SH   SOLE   0 0 5,051
JAZZ PHARMACEUTICALS PLC SHS USD G50871105   374,115 3,358 SH   SOLE   0 0 3,358
KEURIG DR PEPPER INC COM 49271V100   352,987 9,418 SH   SOLE   0 0 9,418
LAM RESEARCH CORP COM 512807108   717,166 879 SH   SOLE   0 0 879
LOCKHEED MARTIN CORP COM 539830109   368,857 631 SH   SOLE   0 0 631
M & T BK CORP COM 55261F104   529,016 2,970 SH   SOLE   0 0 2,970
META PLATFORMS INC CL A 30303M102   3,187,561 5,568 SH   SOLE   0 0 5,568
MICROSOFT CORP COM 594918104   1,713,417 3,982 SH   SOLE   0 0 3,982
MONSTER BEVERAGE CORP NEW COM 61174X109   731,684 14,025 SH   SOLE   0 0 14,025
NETFLIX INC COM 64110L106   900,773 1,270 SH   SOLE   0 0 1,270
NEWMONT CORP COM 651639106   430,914 8,062 SH   SOLE   0 0 8,062
NVIDIA CORPORATION COM 67066G104   4,888,282 40,253 SH   SOLE   0 0 40,253
OXFORD LANE CAP CORP COM 691543102   54,283 10,359 SH   SOLE   0 0 10,359
OXFORD SQUARE CAP CORP COM 69181V107   28,300 10,000 SH   SOLE   0 0 10,000
PACER FDS TR PACER US SMALL 69374H857   2,234,130 48,025 SH   SOLE   0 0 48,025
PACER FDS TR US CASH COWS 100 69374H881   2,501,051 43,248 SH   SOLE   0 0 43,248
PLUG POWER INC COM NEW 72919P202   142,380 63,000 SH   SOLE   0 0 63,000
PROCTER AND GAMBLE CO COM 742718109   1,560,232 9,008 SH   SOLE   0 0 9,008
PROGRESSIVE CORP COM 743315103   1,192,418 4,699 SH   SOLE   0 0 4,699
PROSHARES TR SHORT S&P 500 NE 74347B425   148,493 13,686 SH   SOLE   0 0 13,686
PROSHARES TR S&P 500 DV ARIST 74348A467   573,942 5,376 SH   SOLE   0 0 5,376
QUALCOMM INC COM 747525103   431,077 2,535 SH   SOLE   0 0 2,535
RENAISSANCERE HLDGS LTD COM G7496G103   364,199 1,337 SH   SOLE   0 0 1,337
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   895,112 10,773 SH   SOLE   0 0 10,773
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   329,944 3,903 SH   SOLE   0 0 3,903
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   298,904 4,405 SH   SOLE   0 0 4,405
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   226,904 2,178 SH   SOLE   0 0 2,178
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,766,961 97,325 SH   SOLE   0 0 97,325
SELECT SECTOR SPDR TR COMMUNICATION 81369Y852   257,550 2,849 SH   SOLE   0 0 2,849
SELECT SECTOR SPDR TR ENERGY 81369Y506   396,329 4,514 SH   SOLE   0 0 4,514
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   445,798 1,975 SH   SOLE   0 0 1,975
SHOPIFY INC CL A 82509L107   209,566 2,615 SH   SOLE   0 0 2,615
SPDR GOLD TR GOLD SHS 78463V107   1,324,920 5,451 SH   SOLE   0 0 5,451
SPDR INDEX SHS FDS PORTFOLIO EMG MK 78463X509   290,534 7,038 SH   SOLE   0 0 7,038
SPDR S&P 500 ETF TR TR UNIT 78462F103   299,681 522 SH   SOLE   0 0 522
SPDR SER TR PORTFOLIO S&P400 78464A847   494,459 9,043 SH   SOLE   0 0 9,043
SPDR SER TR BLOOMBERG 1-3 MO 78468R663   5,838,748 63,596 SH   SOLE   0 0 63,596
SPDR SER TR PORTFOLIO S&P500 78464A854   632,967 9,376 SH   SOLE   0 0 9,376
SPDR SER TR PORTFOLIO CRPORT 78464A144   548,302 18,258 SH   SOLE   0 0 18,258
SPDR SER TR PORTFOLIO S&P600 78468R853   262,895 5,777 SH   SOLE   0 0 5,777
SPDR SER TR BLOOMBERG 3-12 M 78468R523   1,713,117 17,203 SH   SOLE   0 0 17,203
STRYKER CORPORATION COM 863667101   824,395 2,282 SH   SOLE   0 0 2,282
SYNOPSYS INC COM 871607107   385,869 762 SH   SOLE   0 0 762
T ROWE PRICE ETF INC CAP APPRECIATION 87283Q867   6,872,172 206,682 SH   SOLE   0 0 206,682
T ROWE PRICE ETF INC PRICE BLUE CHIP 87283Q107   8,417,356 212,345 SH   SOLE   0 0 212,345
TAYLOR DEVICES INC COM 877163105   586,360 11,746 SH   SOLE   0 0 11,746
TELLURIAN INC NEW COM 87968A104   9,680 10,000 SH   SOLE   0 0 10,000
TESLA INC COM 88160R101   1,288,528 4,925 SH   SOLE   0 0 4,925
UNILEVER PLC SPON ADR NEW 904767704   361,772 5,569 SH   SOLE   0 0 5,569
UNITED RENTALS INC COM 911363109   765,195 945 SH   SOLE   0 0 945
UNITED STS GASOLINE FD LP UNITS 91201T102   562,739 9,631 SH   SOLE   0 0 9,631
UNITED STS OIL FD LP UNITS 91232N207   509,227 7,283 SH   SOLE   0 0 7,283
VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643   348,051 3,590 SH   SOLE   0 0 3,590
VANECK ETF TRUST OIL SERVICES ETF 92189H607   243,139 857 SH   SOLE   0 0 857
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,232,870 29,728 SH   SOLE   0 0 29,728
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   273,763 3,479 SH   SOLE   0 0 3,479
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   1,468,495 29,206 SH   SOLE   0 0 29,206
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   514,690 975 SH   SOLE   0 0 975
VANGUARD INDEX FDS VALUE ETF 922908744   334,127 1,914 SH   SOLE   0 0 1,914
VANGUARD INDEX FDS MID CAP ETF 922908629   352,948 1,338 SH   SOLE   0 0 1,338
VANGUARD INDEX FDS SMALL CP ETF 922908751   200,971 847 SH   SOLE   0 0 847
VANGUARD INDEX FDS GROWTH ETF 922908736   627,726 1,635 SH   SOLE   0 0 1,635
VANGUARD INDEX FDS TOTAL STK MKT 922908769   3,278,002 11,576 SH   SOLE   0 0 11,576
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,171,296 5,914 SH   SOLE   0 0 5,914
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   244,299 4,626 SH   SOLE   0 0 4,626
VANGUARD WORLD FD MEGA GRWTH IND 921910816   372,126 1,156 SH   SOLE   0 0 1,156
VANGUARD WORLD FD INF TECH ETF 92204A702   2,317,663 3,952 SH   SOLE   0 0 3,952
VANGUARD WORLD FD UTILITIES ETF 92204A876   707,108 4,063 SH   SOLE   0 0 4,063