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
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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
AbbVie Inc COM 00287Y109   419,628 5,207 SH   SOLE   0 0 0
Air Products & Chemicals Inc COM 009158106   1,485,669 7,780 SH   SOLE   0 0 0
Alibaba Group Holding Ltd ADR SPONSORED ADS 01609W102   415,621 2,278 SH   SOLE   0 0 0
Alphabet Inc Class A CAP STK CL A 02079K305   455,456 387 SH   SOLE   0 0 0
Alphabet Inc Class C CAP STK CL C 02079K107   513,958 438 SH   SOLE   0 0 0
Amazon.com Inc COM 023135106   354,369 199 SH   SOLE   0 0 0
Apple Inc COM 037833100   5,642,775 29,707 SH   SOLE   0 0 0
AT&T Inc COM 00206R102   520,942 16,612 SH   SOLE   0 0 0
Bank of America Corp COM 060505104   323,119 11,711 SH   SOLE   0 0 0
Bank of New York Mellon Corp COM 064058100   512,202 10,157 SH   SOLE   0 0 0
Bausch Health Companies Inc COM 071734107   404,463 16,375 SH   SOLE   0 0 0
Berkshire Hathaway Inc Class A CL B NEW 084670702   4,518,225 15 SH   SOLE   0 0 0
Berkshire Hathaway Inc Class B CL A 084670108   1,776,671 8,844 SH   SOLE   0 0 0
Boeing Co COM 097023105   202,153 530 SH   SOLE   0 0 0
Booking Holdings Inc COM 09857L108   457,166 262 SH   SOLE   0 0 0
BP PLC ADR SPONSORED ADR 055622104   349,303 7,990 SH   SOLE   0 0 0
Chevron Corp COM 166764100   653,996 5,309 SH   SOLE   0 0 0
Chubb Ltd COM H1467J104   252,704 1,804 SH   SOLE   0 0 0
Cisco Systems Inc COM 17275R102   1,068,014 19,782 SH   SOLE   0 0 0
Coca-Cola Co COM 191216100   417,520 8,910 SH   SOLE   0 0 0
Comcast Corp Class A CL A 20030N101   358,367 8,964 SH   SOLE   0 0 0
CVS Health Corp COM 126650100   207,589 3,849 SH   SOLE   0 0 0
Cyanotech Corp COM PAR $0.02 232437301   51,036 15,752 SH   SOLE   0 0 0
Expedia Group Inc EXPE 30212p105   386,334 3,247 SH   SOLE   0 0 0
Exxon Mobil Corp COM 30231G102   847,798 10,493 SH   SOLE   0 0 0
Fidelity MSCI Health Care ETF MSCI HLTH CARE I 316092600   5,339,485 119,988 SH   SOLE   0 0 0
Fidelity MSCI Information Tech ETF MSCI INFO TECH I 316092808   7,733,149 130,451 SH   SOLE   0 0 0
GE Aerospace COM NEW 369604301   144,221 14,437 SH   SOLE   0 0 0
General Mills Inc COM 370334104   309,494 5,981 SH   SOLE   0 0 0
Goldman Sachs ActiveBeta US LgCp Eq ETF ACTIVEBETA US LG 381430503   13,669,429 240,532 SH   SOLE   0 0 0
Hoku Corp COM 434712105   150 250,000 SH   SOLE   0 0 0
Intel Corp COM 458140100   679,945 12,662 SH   SOLE   0 0 0
International Business Machines Corp COM 459200101   407,601 2,889 SH   SOLE   0 0 0
Invesco Financial Preferred ETF ETF 46137V621   708,358 38,793 SH   SOLE   0 0 0
Invesco National AMT-Free Muni Bd ETF NATL AMT MUNI 46138E537   4,041,831 157,515 SH   SOLE   0 0 0
Invesco S&P 500 Low Volatility ETF S&P500 EQL WGT 46137V357   246,250 4,678 SH   SOLE   0 0 0
iShares 0-5 Year Invmt Grade Corp Bd ETF 0-5YR INVT GR CP 46434V100   11,205,515 222,111 SH   SOLE   0 0 0
iShares 3-7 Year Treasury Bond ETF 3 7 YR TREAS BD 464288661   11,237,622 91,214 SH   SOLE   0 0 0
iShares 7-10 Year Treasury Bond ETF 7-10 YR TRSY BD 464287440   8,007,922 75,072 SH   SOLE   0 0 0
iShares Core MSCI EAFE ETF CORE MSCI EMKT 46434G103   10,595,883 174,360 SH   SOLE   0 0 0
iShares Core MSCI Emerging Markets ETF ETF 46434G103   1,474,548 28,516 SH   SOLE   0 0 0
iShares Core S&P 500 ETF CORE S&P500 ETF 464287200   86,578,029 304,252 SH   SOLE   0 0 0
iShares Core S&P Small-Cap ETF ETF 464287804   9,341,753 121,086 SH   SOLE   0 0 0
iShares Floating Rate Bond ETF FLTG RATE NT ETF 46429B655   600,076 11,787 SH   SOLE   0 0 0
iShares iBoxx $ Invmt Grade Corp Bd ETF IBOXX INV CP ETF 464287242   10,851,467 91,143 SH   SOLE   0 0 0
iShares MSCI Hong Kong ETF ETF 464286871   246,374 9,400 SH   SOLE   0 0 0
iShares MSCI USA Min Vol Factor ETF ETF 46429B697   16,676,938 283,621 SH   SOLE   0 0 0
iShares National Muni Bond ETF NATIONAL MUN ETF 464288414   2,771,093 24,922 SH   SOLE   0 0 0
iShares Preferred&Income Securities ETF ETF 464288687   7,564,531 206,964 SH   SOLE   0 0 0
iShares S&P Small-Cap 600 Value ETF ETF 464287879   12,029,726 81,535 SH   SOLE   0 0 0
iShares Short-Term National Muni Bd ETF ETF 464288158   510,814 4,819 SH   SOLE   0 0 0
iShares TIPS Bond ETF ETF 464287176   8,829,695 78,091 SH   SOLE   0 0 0
iShares US Real Estate ETF ETF 464287397   1,348,003 15,487 SH   SOLE   0 0 0
JM Smucker Co COM 832696405   288,452 2,476 SH   SOLE   0 0 0
Johnson & Johnson COM 478160104   970,418 6,942 SH   SOLE   0 0 0
JPMorgan Chase & Co COM 46625H100   369,924 3,654 SH   SOLE   0 0 0
JPMorgan Diversified Return EMkts Eq ETF ETF 46641Q209   10,209,766 188,233 SH   SOLE   0 0 0
JPMorgan Diversified Return Intl Eq ETF ETF 46641Q209   2,109,894 38,161 SH   SOLE   0 0 0
Kinder Morgan Inc Class P COM 49456B101   205,706 10,280 SH   SOLE   0 0 0
KRAFT HEINZ CO COM COM 500754106   1,101,822 33,746 SH   SOLE   0 0 0
Lincoln National Corp COM 534187208   281,701 4,799 SH   SOLE   0 0 0
M&T Bank Corp COM 55261F104   212,827 1,355 SH   SOLE   0 0 0
Mastercard Inc Class A CL A 57636Q104   281,140 1,194 SH   SOLE   0 0 0
Merck & Co Inc COM 58933Y105   212,342 2,553 SH   SOLE   0 0 0
Meta Platforms Inc Class A CL A 30303M102   348,215 2,089 SH   SOLE   0 0 0
Microsoft Corp COM 594918104   512,576 4,346 SH   SOLE   0 0 0
Molson Coors Beverage Co Shs -B- Non-Voting COM 60871R209   592,140 9,927 SH   SOLE   0 0 0
Mondelez International Inc Class A CL A 609207105   2,344,171 46,959 SH   SOLE   0 0 0
Nestle SA ADR COM 641069406   385,474 4,044 SH   SOLE   0 0 0
Oracle Corp COM 68389X105   484,237 9,016 SH   SOLE   0 0 0
PepsiCo Inc COM 713448108   456,904 3,728 SH   SOLE   0 0 0
Pfizer Inc COM 717081103   1,269,113 29,883 SH   SOLE   0 0 0
Philip Morris International Inc COM 718172109   402,065 4,549 SH   SOLE   0 0 0
Public Service Enterprise Group Inc COM 744573106   1,296,446 21,822 SH   SOLE   0 0 0
Regeneron Pharmaceuticals Inc COM 75886F107   653,296 1,591 SH   SOLE   0 0 0
Schwab Intermediate-Term US Trs ETF ETF 91282CJZ5   250,776 4,663 SH   SOLE   0 0 0
Schwab US Broad Market ETF US BRD MKT ETF 808524102   1,298,666 19,084 SH   SOLE   0 0 0
Schwab US Dividend Equity ETF US DIVIDEND EQ 808524797   370,613 7,089 SH   SOLE   0 0 0
Schwab US TIPS ETF ETF 91282CJY8   202,510 3,682 SH   SOLE   0 0 0
Signature Bank COM 82669G104   615,376 4,805 SH   SOLE   0 0 0
SPDR Dow Jones Industrial Avrg ETF Tr ETF 78467X109   595,999 2,300 SH   SOLE   0 0 0
SPDR Nuveen Blmbg Hi Yld Muncpl Bd ETF ETF 78464A284   704,540 12,261 SH   SOLE   0 0 0
SPDR S&P 500 ETF Trust PRTFLO S&P500 GW 78464A409   1,521,155 5,385 SH   SOLE   0 0 0
Stryker Corp COM 863667101   274,766 1,391 SH   SOLE   0 0 0
Texas Instruments Inc COM 882508104   260,813 2,459 SH   SOLE   0 0 0
The Home Depot Inc COM 437076102   437,504 2,280 SH   SOLE   0 0 0
TJX Companies Inc COM 872540109   227,604 4,277 SH   SOLE   0 0 0
Tortoise North American Pipeline ETF 56167N720   24,750,743 1,036,463 SH   SOLE   0 0 0
Ulta Beauty Inc COM 90384S303   209,238 600 SH   SOLE   0 0 0
UNION PACIFIC CORP COM 907818108   631,734 3,778 SH   SOLE   0 0 0
VanEck Biotech ETF ETF 57060U183   6,127,925 47,692 SH   SOLE   0 0 0
VanEck Fallen Angel HiYld Bd ETF FALLEN ANGEL HG 92189F437   6,808,713 236,825 SH   SOLE   0 0 0
Vanguard Consumer Staples ETF CONSUM STP ETF 92204A207   456,250 3,142 SH   SOLE   0 0 0
Vanguard Dividend Appreciation ETF DIV APP ETF 921908844   658,607 6,007 SH   SOLE   0 0 0
Vanguard Growth ETF ETF 922908736   404,033 2,583 SH   SOLE   0 0 0
Vanguard High Dividend Yield ETF ETF 921946406   16,116,497 188,145 SH   SOLE   0 0 0
VANGUARD INDEX FDS VANGUARD TOTAL STK MK ETF 922908769   2,344,157 17,896 SH   SOLE   0 0 0
Vanguard Materials ETF ETF 92204A801   278,922 2,266 SH   SOLE   0 0 0
Vanguard Mid-Cap ETF MID CAP ETF 922908629   342,719 2,132 SH   SOLE   0 0 0
Vanguard Real Estate ETF ETF 922908553   876,085 10,080 SH   SOLE   0 0 0
Vanguard S&P 500 ETF S&P 500 ETF SHS 922908363   2,722,834 10,491 SH   SOLE   0 0 0
Vanguard Short-Term Infl-Prot Secs ETF ETF 922020805   296,851 6,098 SH   SOLE   0 0 0
Vanguard Small-Cap Growth ETF ETF 922908595   584,090 3,250 SH   SOLE   0 0 0
Varian Medical Systems Inc COM 92220P105   252,206 1,900 SH   SOLE   0 0 0
Verizon Communications Inc COM 92343V104   1,763,679 29,827 SH   SOLE   0 0 0
Visa Inc Class A COM CL A 92826C839   725,835 4,647 SH   SOLE   0 0 0
Wells Fargo & Co COM 949746101   550,821 11,399 SH   SOLE   0 0 0