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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 1,610 13,599 SH   SOLE   0 0 13,599
ALPHABET INC CAP STK CL C 02079K107 783 280 SH   SOLE   0 0 280
ALPHABET INC CAP STK CL A 02079K305 1,213 436 SH   SOLE   0 0 436
AMAZON COM INC COM 023135106 7,035 2,158 SH   SOLE   0 0 2,158
ANALOG DEVICES INC COM 032654105 605 3,661 SH   SOLE   0 0 3,661
APPLE INC COM 037833100 17,494 100,188 SH   SOLE   0 0 100,188
ASSURANT INC COM 04621X108 1,408 7,743 SH   SOLE   0 0 7,743
BERKLEY W R CORP COM 084423102 3,230 48,510 SH   SOLE   0 0 48,510
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,357 6,680 SH   SOLE   0 0 6,680
BERKSHIRE HATHAWAY INC DEL CL A 084670108 1,058 200 SH   SOLE   0 0 200
BOSTON BEER INC CL A 100557107 2,459 6,331 SH   SOLE   0 0 6,331
CANADIAN PAC RY LTD COM 13645T100 763 9,250 SH   SOLE   0 0 9,250
CATERPILLAR INC COM 149123101 2,358 10,580 SH   SOLE   0 0 10,580
CISCO SYS INC COM 17275R102 605 10,851 SH   SOLE   0 0 10,851
COLGATE PALMOLIVE CO COM 194162103 222 2,931 SH   SOLE   0 0 2,931
COMCAST CORP NEW CL A 20030N101 301 6,431 SH   SOLE   0 0 6,431
DECKERS OUTDOOR CORP COM 243537107 327 1,195 SH   SOLE   0 0 1,195
DISNEY WALT CO COM 254687106 3,587 26,149 SH   SOLE   0 0 26,149
DOMINOS PIZZA INC COM 25754A201 1,160 2,851 SH   SOLE   0 0 2,851
FIDELITY COVINGTON TRUST MSCI RL EST ETF 316092857 2,560 79,023 SH   SOLE   0 0 79,023
GILEAD SCIENCES INC COM 375558103 206 3,458 SH   SOLE   0 0 3,458
INTERNATIONAL BUSINESS MACHS COM 459200101 210 1,614 SH   SOLE   0 0 1,614
INVESCO EXCH TRADED FD TR II NATL AMT MUNI 46138E537 342 13,736 SH   SOLE   0 0 13,736
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529 1,807 75,627 SH   SOLE   0 0 75,627
INVESCO QQQ TR UNIT SER 1 46090E103 14,776 40,758 SH   SOLE   0 0 40,758
ISHARES INC MSCI CDA ETF 464286509 342 8,499 SH   SOLE   0 0 8,499
ISHARES TR BARCLAYS 7 10 YR 464287440 4,631 43,089 SH   SOLE   0 0 43,089
ISHARES TR COHEN STEER REIT 464287564 7,402 104,237 SH   SOLE   0 0 104,237
ISHARES TR CORE S&P SCP ETF 464287804 3,242 30,055 SH   SOLE   0 0 30,055
ISHARES TR MSCI EAFE ETF 464287465 3,608 49,018 SH   SOLE   0 0 49,018
ISHARES TR MSCI EAFE MIN VL 46429B689 9,166 127,052 SH   SOLE   0 0 127,052
ISHARES TR RUS 1000 GRW ETF 464287614 1,115 4,018 SH   SOLE   0 0 4,018
ISHARES TR RUS MDCP VAL ETF 464287473 18,669 156,042 SH   SOLE   0 0 156,042
ISHARES TR S&P 500 GRWT ETF 464287309 3,958 51,821 SH   SOLE   0 0 51,821
ISHARES TR S&P 500 VAL ETF 464287408 8,258 53,029 SH   SOLE   0 0 53,029
ISHARES TR S&P MC 400GR ETF 464287606 4,614 59,710 SH   SOLE   0 0 59,710
ISHARES TR SP SMCP600VL ETF 464287879 9,486 92,642 SH   SOLE   0 0 92,642
ISHARES TR CORE S&P500 ETF 464287200 12,880 28,388 SH   SOLE   0 0 28,388
ISHARES TR CORE S&P MCP ETF 464287507 13,231 49,308 SH   SOLE   0 0 49,308
ISHARES TR CORE S&P US VLU 464287663 4,231 55,762 SH   SOLE   0 0 55,762
ISHARES TR S&P MC 400VL ETF 464287705 10,117 92,278 SH   SOLE   0 0 92,278
ISHARES TR S&P SML 600 GWT 464287887 5,025 40,167 SH   SOLE   0 0 40,167
ISHARES TR YLD OPTIM BD 46434V787 1,803 76,666 SH   SOLE   0 0 76,666
ISHARES TR TIPS BD ETF 464287176 9,793 78,614 SH   SOLE   0 0 78,614
ISHARES TR MORNINGSTR US EQ 464287127 471 7,501 SH   SOLE   0 0 7,501
ISHARES TR NORTH AMERN NAT 464287374 1,123 27,752 SH   SOLE   0 0 27,752
ISHARES TR EXPND TEC SC ETF 464287549 3,966 10,205 SH   SOLE   0 0 10,205
ISHARES TR CORE S&P US GWT 464287671 825 7,804 SH   SOLE   0 0 7,804
ISHARES TR RUS 1000 VAL ETF 464287598 4,091 24,647 SH   SOLE   0 0 24,647
ISHARES TR MSCI EMG MKT ETF 464287234 3,919 86,801 SH   SOLE   0 0 86,801
ISHARES TR CORE US AGGBD ET 464287226 3,891 36,327 SH   SOLE   0 0 36,327
ISHARES TR RUS MID CAP ETF 464287499 3,120 39,977 SH   SOLE   0 0 39,977
ISHARES TR 1 3 YR TREAS BD 464287457 524 6,283 SH   SOLE   0 0 6,283
ISHARES TR U.S. TECH ETF 464287721 289 2,802 SH   SOLE   0 0 2,802
ISHARES TR RUS 2000 VAL ETF 464287630 2,596 16,087 SH   SOLE   0 0 16,087
ISHARES TR S&P 100 ETF 464287101 530 2,541 SH   SOLE   0 0 2,541
ISHARES TR RUS 1000 ETF 464287622 348 1,393 SH   SOLE   0 0 1,393
ISHARES TR SELECT DIVID ETF 464287168 1,964 15,329 SH   SOLE   0 0 15,329
ISHARES TR U.S. PHARMA ETF 464288836 782 4,024 SH   SOLE   0 0 4,024
ISHARES TR ISHARES BIOTECH 464287556 227 1,741 SH   SOLE   0 0 1,741
ISHARES TR MRGSTR MD CP GRW 464288307 283 4,409 SH   SOLE   0 0 4,409
JOHNSON & JOHNSON COM 478160104 2,795 15,771 SH   SOLE   0 0 15,771
JPMORGAN CHASE & CO COM 46625H100 214 1,568 SH   SOLE   0 0 1,568
MCDONALDS CORP COM 580135101 235 948 SH   SOLE   0 0 948
MERCK & CO INC COM 58933Y105 354 4,317 SH   SOLE   0 0 4,317
MICROSOFT CORP COM 594918104 2,820 9,147 SH   SOLE   0 0 9,147
MOODYS CORP COM 615369105 1,135 3,364 SH   SOLE   0 0 3,364
NEWELL BRANDS INC COM 651229106 381 17,811 SH   SOLE   0 0 17,811
NVIDIA CORPORATION COM 67066G104 226 827 SH   SOLE   0 0 827
OMNICOM GROUP INC COM 681919106 667 7,860 SH   SOLE   0 0 7,860
PARAMOUNT GLOBAL CLASS B COM 92556H206 259 6,843 SH   SOLE   0 0 6,843
PAYCHEX INC COM 704326107 1,234 9,045 SH   SOLE   0 0 9,045
PEPSICO INC COM 713448108 5,622 33,586 SH   SOLE   0 0 33,586
PFIZER INC COM 717081103 2,603 50,278 SH   SOLE   0 0 50,278
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,703 16,729 SH   SOLE   0 0 16,729
PJT PARTNERS INC COM CL A 69343T107 2,561 40,580 SH   SOLE   0 0 40,580
PROCTER AND GAMBLE CO COM 742718109 1,984 12,984 SH   SOLE   0 0 12,984
PROSHARES TR PSHS ULT S&P 500 74347R107 2,073 139,263 SH   SOLE   0 0 139,263
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,961 106,622 SH   SOLE   0 0 106,622
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 15,283 201,465 SH   SOLE   0 0 201,465
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 6,885 145,372 SH   SOLE   0 0 145,372
SCHWAB STRATEGIC TR US TIPS ETF 808524870 14,256 234,822 SH   SOLE   0 0 234,822
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 1,679 31,454 SH   SOLE   0 0 31,454
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,001 55,729 SH   SOLE   0 0 55,729
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 534 16,567 SH   SOLE   0 0 16,567
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 711 9,508 SH   SOLE   0 0 9,508
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 487 9,141 SH   SOLE   0 0 9,141
SELECT SECTOR SPDR TR ENERGY 81369Y506 2,179 28,509 SH   SOLE   0 0 28,509
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 232 6,053 SH   SOLE   0 0 6,053
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,365 5,237 SH   SOLE   0 0 5,237
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 2,355 4,801 SH   SOLE   0 0 4,801
SPDR SER TR PRTFLO S&P500 GW 78464A409 3,693 55,782 SH   SOLE   0 0 55,782
SPDR SER TR S&P 600 SML CAP 78464A813 6,322 67,537 SH   SOLE   0 0 67,537
SPDR SER TR S&P 400 MDCP GRW 78464A821 1,635 22,033 SH   SOLE   0 0 22,033
SPDR SER TR S&P BIOTECH 78464A870 2,173 24,177 SH   SOLE   0 0 24,177
SPDR SER TR PRTFLO S&P500 VL 78464A508 1,436 34,395 SH   SOLE   0 0 34,395
SPDR SER TR S&P DIVID ETF 78464A763 3,278 25,589 SH   SOLE   0 0 25,589
SPDR SER TR S&P 600 SMCP GRW 78464A201 262 3,120 SH   SOLE   0 0 3,120
THERAPEUTICSMD INC COM 88338N107 279 735,040 SH   SOLE   0 0 735,040
UNITEDHEALTH GROUP INC COM 91324P102 864 1,694 SH   SOLE   0 0 1,694
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505 2,976 10,796 SH   SOLE   0 0 10,796
VANGUARD BD INDEX FDS INTERMED TERM 921937819 11,335 138,399 SH   SOLE   0 0 138,399
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 775 9,953 SH   SOLE   0 0 9,953
VANGUARD INDEX FDS MID CAP ETF 922908629 6,615 27,812 SH   SOLE   0 0 27,812
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3,935 36,313 SH   SOLE   0 0 36,313
VANGUARD INDEX FDS SML CP GRW ETF 922908595 16,366 65,959 SH   SOLE   0 0 65,959
VANGUARD INDEX FDS SM CP VAL ETF 922908611 22,017 125,140 SH   SOLE   0 0 125,140
VANGUARD INDEX FDS TOTAL STK MKT 922908769 10,575 46,449 SH   SOLE   0 0 46,449
VANGUARD INDEX FDS SMALL CP ETF 922908751 9,391 44,191 SH   SOLE   0 0 44,191
VANGUARD INDEX FDS GROWTH ETF 922908736 1,358 4,722 SH   SOLE   0 0 4,722
VANGUARD INDEX FDS MCAP GR IDXVIP 922908538 4,659 20,910 SH   SOLE   0 0 20,910
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 11,095 74,131 SH   SOLE   0 0 74,131
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1,614 34,992 SH   SOLE   0 0 34,992
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742 201 1,988 SH   SOLE   0 0 1,988
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 27,180 348,063 SH   SOLE   0 0 348,063
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 13,013 80,247 SH   SOLE   0 0 80,247
VANGUARD STAR FDS VG TL INTL STK F 921909768 674 11,282 SH   SOLE   0 0 11,282
VANGUARD TAX-MANAGED INTL FD FTSE DEV MKT ETF 921943858 465 9,675 SH   SOLE   0 0 9,675
VANGUARD WORLD FDS ENERGY ETF 92204A306 1,081 10,098 SH   SOLE   0 0 10,098
VANGUARD WORLD FDS INF TECH ETF 92204A702 2,902 6,969 SH   SOLE   0 0 6,969
VULCAN MATLS CO COM 929160109 316 1,719 SH   SOLE   0 0 1,719
WALMART INC COM 931142103 698 4,686 SH   SOLE   0 0 4,686