ABBVIE INC COM 00287Y109 375950 1437 SH SOLE 0 0 1437 ALPHABET INC CAP STK CL C 02079K107 259815 763 SH SOLE 0 0 763 AMAZON COM INC COM 023135106 2783255 11171 SH SOLE 0 0 11171 APPLE INC COM 037833100 10484657 31484 SH SOLE 0 0 31484 BROADCOM INC COM 11135F101 335041 954 SH SOLE 0 0 954 CHUBB LIMITED COM H1467J104 743372 2286 SH SOLE 0 0 2286 CISCO SYS INC COM 17275R102 217198 2018 SH SOLE 0 0 2018 COSTCO WHOLESALE CORPORATION COM 22160K105 318642 350 SH SOLE 0 0 350 EXXONMOBIL HOLDINGS CORP COM SHS 30233Q108 580544 3567 SH SOLE 0 0 3567 FIRST TR EXCHANGE-TRADED ALP COM SHS 33734K109 1127965 8506 SH SOLE 0 0 8506 FIRST TR EXCHANGE-TRADED ALP COM SHS 33734Y109 296129 2200 SH SOLE 0 0 2200 FIRST TR EXCHANGE-TRADED ALP COM SHS 33735B108 241224 1788 SH SOLE 0 0 1788 INVESCO EXCH TRADED FD TR II PFD ETF 46138E511 155294 15421 SH SOLE 0 0 15421 ISHARES GOLD TR ISHARES NEW 464285204 3722250 47660 SH SOLE 0 0 47660 ISHARES INC JP MRG EM CRP BD 464286251 672774 15290 SH SOLE 0 0 15290 ISHARES INC MSCI AGR PRO ETF 464286350 532579 11749 SH SOLE 0 0 11749 ISHARES INC MSCI EMRG CHN 46434G764 4139708 41781 SH SOLE 0 0 41781 ISHARES INC MSCI EQUAL WEITE 464286681 706140 6342 SH SOLE 0 0 6342 ISHARES TR 10+ YR INVST GRD 464289511 354273 7759 SH SOLE 0 0 7759 ISHARES TR CORE S&P MCP ETF 464287507 213068 2961 SH SOLE 0 0 2961 ISHARES TR CORE S&P SCP ETF 464287804 216860 1594 SH SOLE 0 0 1594 ISHARES TR CORE S&P500 ETF 464287200 516073 674 SH SOLE 0 0 674 ISHARES TR CORE UNIVRSL USD 46434V613 1445813 32792 SH SOLE 0 0 32792 ISHARES TR CORE US AGGBD ET 464287226 412855 4367 SH SOLE 0 0 4367 ISHARES TR ESG AW MSCI EAFE 46435G516 647655 6285 SH SOLE 0 0 6285 ISHARES TR ESG AWR MSCI USA 46435G425 788335 4726 SH SOLE 0 0 4726 ISHARES TR IBOXX INV CP ETF 464287242 313413 3067 SH SOLE 0 0 3067 ISHARES TR ISHS 5-10YR INVT 464288638 200327 3979 SH SOLE 0 0 3979 ISHARES TR JPMORGAN USD EMG 464288281 3045849 33530 SH SOLE 0 0 33530 ISHARES TR MSCI EAFE ETF 464287465 602846 5803 SH SOLE 0 0 5803 ISHARES TR MSCI USA QLT FCT 46432F339 4238505 19072 SH SOLE 0 0 19072 ISHARES TR NEW YORK MUN ETF 464288323 916109 18134 SH SOLE 0 0 18134 ISHARES TR PFD AND INCM SEC 464288687 1975648 66971 SH SOLE 0 0 66971 ISHARES TR TIPS BD ETF 464287176 713804 6861 SH SOLE 0 0 6861 J P MORGAN EXCHANGE TRADED F ACTIVE BOND ETF 46654Q716 1497643 29297 SH SOLE 0 0 29297 JOHNSON & JOHNSON COM 478160104 561544 2121 SH SOLE 0 0 2121 LOEWS CORP COM 540424108 3305055 31649 SH SOLE 0 0 31649 LUMENTUM HLDGS INC COM 55024U109 667256 687 SH SOLE 0 0 687 M & T BK CORP COM 55261F104 724797 3331 SH SOLE 0 0 3331 MARVELL TECHNOLOGY INC COM 573874104 263504 997 SH SOLE 0 0 997 MICROSOFT CORP COM 594918104 5069156 9883 SH SOLE 0 0 9883 NVIDIA CORPORATION COM 67066G104 1144385 5011 SH SOLE 0 0 5011 PEPSICO INC COM 713448108 228868 1806 SH SOLE 0 0 1806 RESEARCH FRONTIERS INC COM 760911107 7573 10307 SH SOLE 0 0 10307 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 12927929 430931 SH SOLE 0 0 430931 SCHWAB STRATEGIC TR US TIPS ETF 808524870 396691 15786 SH SOLE 0 0 15786 SELECT SECTOR SPDR TR ST STR TECHN ETF 81369Y803 461861 2359 SH SOLE 0 0 2359 SPDR GOLD TR GOLD SHS 78463V107 333235 875 SH SOLE 0 0 875 SPDR SERIES TRUST ST STR AGGRE ETF 78464A649 623108 25579 SH SOLE 0 0 25579 SPDR SERIES TRUST ST STR CONV ETF 78464A359 1625510 16066 SH SOLE 0 0 16066 UNITED PARCEL SVCS INC CL B 911312106 230225 2464 SH SOLE 0 0 2464 VANECK ETF TRUST MRNGSTR WDE MOAT 92189F643 4687206 44340 SH SOLE 0 0 44340 VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 7383842 105258 SH SOLE 0 0 105258 VANGUARD INDEX FDS MRNGSTR GRWT ETF 922908736 732790 8132 SH SOLE 0 0 8132 VANGUARD INDEX FDS MRNGSTR LRG CAP 922908637 19634222 55803 SH SOLE 0 0 55803 VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 6963498 88797 SH SOLE 0 0 88797 VANGUARD INDEX FDS MRNGSTR SML CAP 922908751 6626784 23294 SH SOLE 0 0 23294 VANGUARD INDEX FDS MRNGSTR TTL STK 922908769 1375837 3676 SH SOLE 0 0 3676 VANGUARD INDEX FDS MRNGSTR VAL ETF 922908744 424141 1963 SH SOLE 0 0 1963 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 710918 7932 SH SOLE 0 0 7932 VANGUARD INSTL INDEX FD 0 3 MO TR BI ETF 922040845 1732896 22886 SH SOLE 0 0 22886 VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775 1042241 12562 SH SOLE 0 0 12562 VANGUARD MALVERN FDS CORE BD ETF 922020748 2349733 31917 SH SOLE 0 0 31917 VANGUARD MALVERN FDS STRM INFPROIDX 922020805 3286913 66780 SH SOLE 0 0 66780 VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 1025529 21654 SH SOLE 0 0 21654 VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 9436388 120500 SH SOLE 0 0 120500 VANGUARD SCOTTSDALE FDS LG-TERM COR BD 92206C813 1562887 22816 SH SOLE 0 0 22816 VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 3942450 51035 SH SOLE 0 0 51035 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 3680715 15776 SH SOLE 0 0 15776 VANGUARD STAR FDS VG TL INTL STK F 921909768 348112 4097 SH SOLE 0 0 4097 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 8762146 124092 SH SOLE 0 0 124092 VANGUARD WHITEHALL FDS INTL DVD ETF 921946810 215188 2279 SH SOLE 0 0 2279 VANGUARD WORLD FD ESG INTL STK ETF 921910725 7826000 96534 SH SOLE 0 0 96534 VANGUARD WORLD FD ESG US CORP BD 921910691 889083 14923 SH SOLE 0 0 14923 VANGUARD WORLD FD ESG US STK ETF 921910733 13588959 100265 SH SOLE 0 0 100265 VANGUARD WORLD FD INF TECH ETF 92204A702 523429 4165 SH SOLE 0 0 4165 VANGUARD WORLD FD MATERIALS ETF 92204A801 1664543 7630 SH SOLE 0 0 7630 WISDOMTREE TR US LARGECAP DIVD 97717W307 220974 2273 SH SOLE 0 0 2273 WISDOMTREE TR US QTLY DIV GRT 97717X669 431135 4434 SH SOLE 0 0 4434 WISDOMTREE TR US QUALITY GROW 97717Y477 1100067 16017 SH SOLE 0 0 16017 WISDOMTREE TR US VALUE FD 97717W547 350295 3420 SH SOLE 0 0 3420