ALPHABET INC CAP STK CL A 02079K305 302790 880 SH SOLE 0 0 880 ALPHABET INC CAP STK CL C 02079K107 340740 1000 SH SOLE 0 0 1000 AMERICAN CENTY ETF TR INTL SMCP VLU 025072802 396503 3625 SH SOLE 0 0 3625 AMERICAN CENTY ETF TR US SML CP VALU 025072877 354959 3014 SH SOLE 0 0 3014 APPLE INC COM 037833100 1683749 5056 SH SOLE 0 0 5056 BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 261922 526 SH SOLE 0 0 526 BNY MELLON ETF TRUST GLOBAL INFRASCTR 09661T826 2920573 69654 SH SOLE 0 0 69654 COMMUNITY FINANCIAL SYSTEM I COM 203607106 361467 6071 SH SOLE 0 0 6071 FIRST TR EXCHANGE-TRADED FD CORE INVESTMENT 33738D788 5663465 286903 SH SOLE 0 0 286903 FIRST TR EXCHANGE-TRADED FD STRUCTURED CR IN 33738D770 2620875 131504 SH SOLE 0 0 131504 FRANKLIN TEMPLETON ETF TR FTSE CANADA 35473P827 2871037 55064 SH SOLE 0 0 55064 GLOBAL X FDS ARTIFICIAL ETF 37954Y632 250149 3839 SH SOLE 0 0 3839 GLOBAL X FDS RBTCS ARTFL INTE 37954Y715 435655 12366 SH SOLE 0 0 12366 ISHARES GOLD TR ISHARES NEW 464285204 2487485 31850 SH SOLE 0 0 31850 ISHARES INC CORE MSCI EMKT 46434G103 4586478 56512 SH SOLE 0 0 56512 ISHARES INC ESG AWR MSCI EM 46434G863 916062 16914 SH SOLE 0 0 16914 ISHARES INC MSCI GBL MIN VOL 464286525 276143 2250 SH SOLE 0 0 2250 ISHARES TR CORE HIGH DV ETF 46429B663 6639885 237478 SH SOLE 0 0 237478 ISHARES TR CORE MSCI EAFE 46432F842 13298696 137270 SH SOLE 0 0 137270 ISHARES TR CORE S&P MCP ETF 464287507 4884586 67889 SH SOLE 0 0 67889 ISHARES TR CORE S&P SCP ETF 464287804 4898683 36009 SH SOLE 0 0 36009 ISHARES TR CORE S&P500 ETF 464287200 1239911 1619 SH SOLE 0 0 1619 ISHARES TR DOW JONES US ETF 464287846 235458 1270 SH SOLE 0 0 1270 ISHARES TR ESG AW MSCI EAFE 46435G516 2391481 23207 SH SOLE 0 0 23207 ISHARES TR ESG AWR MSCI USA 46435G425 475380 2850 SH SOLE 0 0 2850 ISHARES TR INTL SEL DIV ETF 464288448 706936 16756 SH SOLE 0 0 16756 ISHARES TR MBS ETF 464288588 4256054 47490 SH SOLE 0 0 47490 ISHARES TR MSCI ACWI ETF 464288257 217508 1370 SH SOLE 0 0 1370 ISHARES TR MSCI USA MIN ETF 46429B697 5368661 55097 SH SOLE 0 0 55097 ISHARES TR RUS 1000 GRW ETF 464287614 4492012 35862 SH SOLE 0 0 35862 ISHARES TR RUS 1000 VAL ETF 464287598 4443401 17922 SH SOLE 0 0 17922 ISHARES TR S&P 500 GRWT ETF 464287309 938774 6599 SH SOLE 0 0 6599 ISHARES TR S&P 500 VAL ETF 464287408 560427 2455 SH SOLE 0 0 2455 J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332 6712288 119393 SH SOLE 0 0 119393 J P MORGAN EXCHANGE TRADED F NASDAQ EQT PREM 46654Q203 465392 7597 SH SOLE 0 0 7597 M & T BK CORP COM 55261F104 328141 1508 SH SOLE 0 0 1508 MICROSOFT CORP COM 594918104 813459 1586 SH SOLE 0 0 1586 SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 4012620 133754 SH SOLE 0 0 133754 SPDR GOLD TR GOLD SHS 78463V107 536984 1410 SH SOLE 0 0 1410 SPDR SERIES TRUST ST INTER BD ETF 78464A375 4073736 126200 SH SOLE 0 0 126200 SPDR SERIES TRUST ST STR P400MID 78464A847 327575 5196 SH SOLE 0 0 5196 SPDR SERIES TRUST ST STR P500ETF 78464A854 5564537 61994 SH SOLE 0 0 61994 SPDR SERIES TRUST ST STR P500GRW 78464A409 15013062 121978 SH SOLE 0 0 121978 SPDR SERIES TRUST ST STR P500VAL 78464A508 13908763 227528 SH SOLE 0 0 227528 SPDR SERIES TRUST ST STR SP600 SML 78468R853 453592 8581 SH SOLE 0 0 8581 STATE STR SPDR S&P 500 ETF T TR UNIT 78462F103 2148329 2817 SH SOLE 0 0 2817 VANECK ETF TRUST CLO ETF 92189H748 3088734 58311 SH SOLE 0 0 58311 VANECK ETF TRUST REAL ASSETS ETF 92189F130 3441352 86401 SH SOLE 0 0 86401 VANGUARD INDEX FDS MRNGSTR MID CAP 922908629 313680 4000 SH SOLE 0 0 4000 VANGUARD INDEX FDS REAL ESTATE ETF 922908553 3378730 37696 SH SOLE 0 0 37696 VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 1071435 18065 SH SOLE 0 0 18065 VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 4349958 76773 SH SOLE 0 0 76773 VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844 968237 4150 SH SOLE 0 0 4150 VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858 1970725 27910 SH SOLE 0 0 27910 VANGUARD WORLD FD ESG INTL STK ETF 921910725 312120 3850 SH SOLE 0 0 3850 VANGUARD WORLD FD ESG US STK ETF 921910733 555673 4100 SH SOLE 0 0 4100 WORLD GOLD TR SPDR GLD MINIS 98149E303 6179361 75193 SH SOLE 0 0 75193