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
ABBOTT LABS COM 002824100   621,426 5,494 SH   SOLE   0 0 5,494
ABBVIE INC COM 00287Y109   1,113,646 6,267 SH   SOLE   0 0 6,267
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   620,206 1,763 SH   SOLE   0 0 1,763
ADOBE INC COM 00724F101   696,814 1,567 SH   SOLE   0 0 1,567
ADVANCED MICRO DEVICES INC COM 007903107   522,779 4,328 SH   SOLE   0 0 4,328
ALLSTATE CORP COM 020002101   531,715 2,758 SH   SOLE   0 0 2,758
ALPHABET INC CAP STK CL C 02079K107   553,262 2,905 SH   SOLE   0 0 2,905
ALPHABET INC CAP STK CL A 02079K305   1,279,496 6,759 SH   SOLE   0 0 6,759
AMAZON COM INC COM 023135106   2,053,052 9,358 SH   SOLE   0 0 9,358
AMERIPRISE FINL INC COM 03076C106   1,854,028 3,482 SH   SOLE   0 0 3,482
AMGEN INC COM 031162100   456,651 1,752 SH   SOLE   0 0 1,752
APPLE INC COM 037833100   5,371,411 21,450 SH   SOLE   0 0 21,450
APPLIED MATLS INC COM 038222105   214,509 1,319 SH   SOLE   0 0 1,319
BALL CORP COM 058498106   230,057 4,173 SH   SOLE   0 0 4,173
BANK AMERICA CORP COM 060505104   797,693 18,150 SH   SOLE   0 0 18,150
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,045,653 4,513 SH   SOLE   0 0 4,513
BLACKROCK ETF TRUST II HIGH YLD MUNI IN 092528108   6,857,664 302,633 SH   SOLE   0 0 302,633
BLACKROCK INC COM 09247X101   281,905 275 SH   SOLE   0 0 275
BLACKSTONE INC COM 09260D107   1,082,108 6,276 SH   SOLE   0 0 6,276
BOOKING HOLDINGS INC COM 09857L108   422,316 85 SH   SOLE   0 0 85
BRISTOL-MYERS SQUIBB CO COM 110122108   226,608 4,007 SH   SOLE   0 0 4,007
BROADCOM INC COM 11135F101   1,507,424 6,502 SH   SOLE   0 0 6,502
CATERPILLAR INC COM 149123101   437,126 1,205 SH   SOLE   0 0 1,205
CHEVRON CORP NEW COM 166764100   522,003 3,604 SH   SOLE   0 0 3,604
CISCO SYS INC COM 17275R102   733,370 12,388 SH   SOLE   0 0 12,388
CITIGROUP INC COM NEW 172967424   285,783 4,060 SH   SOLE   0 0 4,060
COCA COLA CO COM 191216100   646,570 10,385 SH   SOLE   0 0 10,385
COLUMBIA ETF TR I DIVERSIFID FXD 19761L508   9,574,711 546,190 SH   SOLE   0 0 546,190
COMCAST CORP NEW CL A 20030N101   318,555 8,488 SH   SOLE   0 0 8,488
CONSTELLATION BRANDS INC CL A 21036P108   744,549 3,369 SH   SOLE   0 0 3,369
COSTCO WHSL CORP NEW COM 22160K105   1,591,568 1,737 SH   SOLE   0 0 1,737
DANAHER CORPORATION COM 235851102   650,545 2,834 SH   SOLE   0 0 2,834
DBX ETF TR XTRCKR MSCI US 233051150   4,571,242 84,684 SH   SOLE   0 0 84,684
DISNEY WALT CO COM 254687106   707,680 6,355 SH   SOLE   0 0 6,355
ELI LILLY & CO COM 532457108   931,032 1,206 SH   SOLE   0 0 1,206
EXXON MOBIL CORP COM 30231G102   1,653,629 15,373 SH   SOLE   0 0 15,373
FRANKLIN TEMPLETON ETF TR FRANKLIN DYN MUN 35473P868   1,716,925 70,265 SH   SOLE   0 0 70,265
FRANKLIN TEMPLETON ETF TR SENIOR LOAN ETF 35473P595   8,549,193 352,326 SH   SOLE   0 0 352,326
FRANKLIN TEMPLETON ETF TR HIGH YIELD CORP 35473P629   17,773,216 744,584 SH   SOLE   0 0 744,584
GE AEROSPACE COM NEW 369604301   421,979 2,530 SH   SOLE   0 0 2,530
GENERATIONS BANCORP NY INC COM 37149G108   1,136,924 75,293 SH   SOLE   0 0 75,293
GOLDMAN SACHS GROUP INC COM 38141G104   2,819,008 4,923 SH   SOLE   0 0 4,923
HOME DEPOT INC COM 437076102   769,040 1,977 SH   SOLE   0 0 1,977
HONEYWELL INTL INC COM 438516106   551,849 2,443 SH   SOLE   0 0 2,443
INTERNATIONAL BUSINESS MACHS COM 459200101   1,109,262 5,046 SH   SOLE   0 0 5,046
INTUIT COM 461202103   485,202 772 SH   SOLE   0 0 772
INVESCO EXCHANGE TRADED FD T S&P 100 EQL WIGH 46137V449   12,541,164 122,616 SH   SOLE   0 0 122,616
ISHARES TR CORE US AGGBD ET 464287226   43,368,273 447,557 SH   SOLE   0 0 447,557
ISHARES TR CORE S&P500 ETF 464287200   357,917 608 SH   SOLE   0 0 608
J P MORGAN EXCHANGE TRADED F HIGH YIELD MUNI 46654Q799   5,171,957 102,986 SH   SOLE   0 0 102,986
J P MORGAN EXCHANGE TRADED F ULTRA SHRT ETF 46641Q837   736,336 14,619 SH   SOLE   0 0 14,619
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   541,020 9,404 SH   SOLE   0 0 9,404
J P MORGAN EXCHANGE TRADED F INCOME ETF 46641Q159   296,849 6,507 SH   SOLE   0 0 6,507
J P MORGAN EXCHANGE TRADED F MUNICIPAL ETF 46641Q647   3,894,398 77,655 SH   SOLE   0 0 77,655
JACOBS SOLUTIONS INC COM 46982L108   433,597 3,245 SH   SOLE   0 0 3,245
JOHNSON & JOHNSON COM 478160104   807,992 5,587 SH   SOLE   0 0 5,587
JPMORGAN CHASE & CO. COM 46625H100   2,404,073 10,029 SH   SOLE   0 0 10,029
LINDE PLC SHS G54950103   605,815 1,447 SH   SOLE   0 0 1,447
LOCKHEED MARTIN CORP COM 539830109   497,603 1,024 SH   SOLE   0 0 1,024
LOWES COS INC COM 548661107   346,260 1,403 SH   SOLE   0 0 1,403
M & T BK CORP COM 55261F104   384,480 2,045 SH   SOLE   0 0 2,045
MASTERCARD INCORPORATED CL A 57636Q104   1,486,507 2,823 SH   SOLE   0 0 2,823
MCDONALDS CORP COM 580135101   694,866 2,397 SH   SOLE   0 0 2,397
MERCK & CO INC COM 58933Y105   917,405 9,222 SH   SOLE   0 0 9,222
META PLATFORMS INC CL A 30303M102   937,987 1,602 SH   SOLE   0 0 1,602
MICRON TECHNOLOGY INC COM 595112103   252,990 3,006 SH   SOLE   0 0 3,006
MICROSOFT CORP COM 594918104   4,322,088 10,254 SH   SOLE   0 0 10,254
MONDELEZ INTL INC CL A 609207105   276,490 4,629 SH   SOLE   0 0 4,629
NETFLIX INC COM 64110L106   701,469 787 SH   SOLE   0 0 787
NEXTERA ENERGY INC COM 65339F101   1,307,554 18,239 SH   SOLE   0 0 18,239
NVIDIA CORPORATION COM 67066G104   2,042,425 15,209 SH   SOLE   0 0 15,209
ORACLE CORP COM 68389X105   988,842 5,934 SH   SOLE   0 0 5,934
PEPSICO INC COM 713448108   607,328 3,994 SH   SOLE   0 0 3,994
PFIZER INC COM 717081103   469,369 17,692 SH   SOLE   0 0 17,692
PROCTER AND GAMBLE CO COM 742718109   729,278 4,350 SH   SOLE   0 0 4,350
QUALCOMM INC COM 747525103   459,785 2,993 SH   SOLE   0 0 2,993
RTX CORPORATION COM 75513E101   1,235,542 10,677 SH   SOLE   0 0 10,677
SALESFORCE INC COM 79466L302   864,243 2,585 SH   SOLE   0 0 2,585
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   2,515,070 90,764 SH   SOLE   0 0 90,764
SELECT SECTOR SPDR TR INDL 81369Y704   609,390 4,625 SH   SOLE   0 0 4,625
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100   302,231 3,592 SH   SOLE   0 0 3,592
SELECT SECTOR SPDR TR RL EST SEL SEC 81369Y860   2,725,059 67,004 SH   SOLE   0 0 67,004
SHERWIN WILLIAMS CO COM 824348106   275,343 810 SH   SOLE   0 0 810
SPDR SER TR BLOOMBERG HIGH Y 78468R622   776,362 8,132 SH   SOLE   0 0 8,132
SPDR SER TR NUVEEN BLOOMBERG 78464A284   6,304,217 246,451 SH   SOLE   0 0 246,451
SPDR SER TR PORTFLI TIPS ETF 78464A656   8,710,614 344,157 SH   SOLE   0 0 344,157
SPDR SER TR PORTFOLI S&P1500 78464A805   952,519 13,335 SH   SOLE   0 0 13,335
SSGA ACTIVE ETF TR BLACKSTONE SENR 78467V608   510,363 12,230 SH   SOLE   0 0 12,230
TARGET CORP COM 87612E106   226,088 1,672 SH   SOLE   0 0 1,672
TESLA INC COM 88160R101   929,236 2,301 SH   SOLE   0 0 2,301
TEXAS INSTRS INC COM 882508104   548,467 2,925 SH   SOLE   0 0 2,925
THERMO FISHER SCIENTIFIC INC COM 883556102   541,039 1,040 SH   SOLE   0 0 1,040
UNITEDHEALTH GROUP INC COM 91324P102   1,278,106 2,527 SH   SOLE   0 0 2,527
UPBOUND GROUP INC COM 76009N100   201,915 6,922 SH   SOLE   0 0 6,922
VANGUARD INDEX FDS TOTAL STK MKT 922908769   59,521,482 205,381 SH   SOLE   0 0 205,381
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   266,172 494 SH   SOLE   0 0 494
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   13,119,592 297,902 SH   SOLE   0 0 297,902
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   30,799,327 262,167 SH   SOLE   0 0 262,167
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   9,862,978 50,365 SH   SOLE   0 0 50,365
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   11,259,435 88,247 SH   SOLE   0 0 88,247
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   10,358,420 152,599 SH   SOLE   0 0 152,599
VERIZON COMMUNICATIONS INC COM 92343V104   552,269 13,810 SH   SOLE   0 0 13,810
VISA INC COM CL A 92826C839   1,601,691 5,068 SH   SOLE   0 0 5,068
WALMART INC COM 931142103   1,409,550 15,601 SH   SOLE   0 0 15,601
WELLS FARGO CO NEW COM 949746101   662,082 9,426 SH   SOLE   0 0 9,426
ZSCALER INC COM 98980G102   267,548 1,483 SH   SOLE   0 0 1,483