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
3M CO COM 88579Y101 594 3,992 SH   SOLE   3,992 0 0
ABBOTT LABS COM 002824100 927 7,830 SH   SOLE   7,830 0 0
ADVANCED MICRO DEVICES INC COM 007903107 10,807 98,838 SH   SOLE   98,838 0 0
ALLY FINL INC COM 02005N100 4,511 103,742 SH   SOLE   103,742 0 0
ALPHABET INC CAP STK CL A 02079K305 32,450 11,667 SH   SOLE   11,667 0 0
AMAZON COM INC COM 023135106 11,553 3,544 SH   SOLE   3,544 0 0
AMERICAN EXPRESS CO COM 025816109 318 1,700 SH   SOLE   1,700 0 0
APPLE INC COM 037833100 43,810 250,902 SH   SOLE   250,902 0 0
AT&T INC COM 00206R102 210 8,876 SH   SOLE   8,876 0 0
BAXTER INTL INC COM 071813109 383 4,933 SH   SOLE   4,933 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 6,268 17,760 SH   SOLE   17,760 0 0
BK OF AMERICA CORP COM 060505104 7,126 172,885 SH   SOLE   172,885 0 0
BP PLC SPONSORED ADR 055622104 482 16,393 SH   SOLE   16,393 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108 355 4,864 SH   SOLE   4,864 0 0
CANADIAN NATL RY CO COM 136375102 615 4,585 SH   SOLE   4,585 0 0
CHEVRON CORP NEW COM 166764100 9,159 56,252 SH   SOLE   56,252 0 0
CITIGROUP INC COM NEW 172967424 3,677 68,859 SH   SOLE   68,859 0 0
COCA COLA CO COM 191216100 298 4,799 SH   SOLE   4,799 0 0
COINBASE GLOBAL INC COM CL A 19260Q107 3,497 18,418 SH   SOLE   18,418 0 0
COMCAST CORP NEW CL A 20030N101 329 7,029 SH   SOLE   7,029 0 0
CSX CORP COM 126408103 458 12,231 SH   SOLE   12,231 0 0
DEERE & CO COM 244199105 373 897 SH   SOLE   897 0 0
DISNEY WALT CO COM 254687106 8,313 53,315 SH   SOLE   53,315 0 0
DOMINION ENERGY INC COM 25746U109 341 4,018 SH   SOLE   4,018 0 0
DRAFTKINGS INC COM CL A 26142R104 231 11,869 SH   SOLE   11,869 0 0
DUKE ENERGY CORP NEW COM NEW 26441C204 333 2,980 SH   SOLE   2,980 0 0
DXC TECHNOLOGY CO COM 23355L106 3,699 113,364 SH   SOLE   113,364 0 0
EDWARDS LIFESCIENCES CORP COM 28176E108 551 4,677 SH   SOLE   4,677 0 0
ENPHASE ENERGY INC COM 29355A107 406 2,010 SH   SOLE   2,010 0 0
EQUINIX INC COM 29444U700 6,362 8,579 SH   SOLE   8,579 0 0
ETF SER SOLUTIONS DEFIANCE NEXT 26922A289 4,402 117,259 SH   SOLE   117,259 0 0
EXCHANGE TRADED CONCEPTS TR BITWISE CRYPTO 301505624 1,092 62,960 SH   SOLE   62,960 0 0
EXXON MOBIL CORP COM 30231G102 753 9,116 SH   SOLE   9,116 0 0
FEDEX CORP COM 31428X106 6,610 28,567 SH   SOLE   28,567 0 0
FORD MTR CO DEL COM 345370860 425 25,154 SH   SOLE   25,154 0 0
GENERAL ELECTRIC CO COM NEW 369604301 419 4,583 SH   SOLE   4,583 0 0
GENERAL MTRS CO COM 37045V100 3,511 80,267 SH   SOLE   80,267 0 0
GLOBALFOUNDRIES INC ORDINARY SHARES G39387108 3,240 51,902 SH   SOLE   51,902 0 0
HONEYWELL INTL INC COM 438516106 993 5,102 SH   SOLE   5,102 0 0
IDEX CORP COM 45167R104 667 3,480 SH   SOLE   3,480 0 0
INTERNATIONAL BUSINESS MACHS COM 459200101 1,039 7,994 SH   SOLE   7,994 0 0
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706 1,358 17,998 SH   SOLE   17,998 0 0
INVESCO EXCH TRADED FD TR II TAXABLE MUN BD 46138G805 905 30,495 SH   SOLE   30,495 0 0
INVESCO EXCHANGE TRADED FD T S&P500 EQL WGT 46137V357 13,659 86,610 SH   SOLE   86,610 0 0
INVESCO QQQ TR UNIT SER 1 46090E103 311 858 SH   SOLE   858 0 0
IRON MTN INC NEW COM 46284V101 907 16,375 SH   SOLE   16,375 0 0
ISHARES TR CORE S&P500 ETF 464287200 246 542 SH   SOLE   542 0 0
ISHARES TR CORE US AGGBD ET 464287226 3,537 33,027 SH   SOLE   33,027 0 0
ISHARES TR GLOBAL 100 ETF 464287572 3,990 52,460 SH   SOLE   52,460 0 0
ISHARES TR ISHARES BIOTECH 464287556 2,607 20,011 SH   SOLE   20,011 0 0
ISHARES TR PFD AND INCM SEC 464288687 2,931 80,477 SH   SOLE   80,477 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,494 7,280 SH   SOLE   7,280 0 0
ISHARES TR SELECT DIVID ETF 464287168 742 5,790 SH   SOLE   5,790 0 0
ISHARES TR TIPS BD ETF 464287176 1,153 9,253 SH   SOLE   9,253 0 0
J P MORGAN EXCHANGE-TRADED F EQUITY PREMIUM 46641Q332 5,124 83,460 SH   SOLE   83,460 0 0
JOHNSON & JOHNSON COM 478160104 8,021 45,260 SH   SOLE   45,260 0 0
JPMORGAN CHASE & CO COM 46625H100 8,629 63,298 SH   SOLE   63,298 0 0
KEYCORP COM 493267108 360 16,081 SH   SOLE   16,081 0 0
KINDER MORGAN INC DEL COM 49456B101 734 38,840 SH   SOLE   38,840 0 0
LAS VEGAS SANDS CORP COM 517834107 1,589 40,880 SH   SOLE   40,880 0 0
LOWES COS INC COM 548661107 17,018 84,168 SH   SOLE   84,168 0 0
MARATHON OIL CORP COM 565849106 1,470 58,526 SH   SOLE   58,526 0 0
MARVELL TECHNOLOGY INC COM 573874104 7,927 110,541 SH   SOLE   110,541 0 0
MASTERCARD INCORPORATED CL A 57636Q104 8,818 24,674 SH   SOLE   24,674 0 0
MCDONALDS CORP COM 580135101 795 3,214 SH   SOLE   3,214 0 0
MEDICAL PPTYS TRUST INC COM 58463J304 1,443 68,270 SH   SOLE   68,270 0 0
META PLATFORMS INC CL A 30303M102 5,121 23,028 SH   SOLE   23,028 0 0
METLIFE INC COM 59156R108 1,106 15,738 SH   SOLE   15,738 0 0
MICROSOFT CORP COM 594918104 34,150 110,764 SH   SOLE   110,764 0 0
NBT BANCORP INC COM 628778102 214 5,921 SH   SOLE   5,921 0 0
NETFLIX INC COM 64110L106 639 1,705 SH   SOLE   1,705 0 0
NIKE INC CL B 654106103 9,471 70,383 SH   SOLE   70,383 0 0
NVIDIA CORPORATION COM 67066G104 8,687 31,835 SH   SOLE   31,835 0 0
OCCIDENTAL PETE CORP COM 674599105 2,270 40,000 SH   SOLE   40,000 0 0
PAYPAL HLDGS INC COM 70450Y103 2,445 21,144 SH   SOLE   21,144 0 0
PEPSICO INC COM 713448108 431 2,577 SH   SOLE   2,577 0 0
PFIZER INC COM 717081103 559 10,793 SH   SOLE   10,793 0 0
PIMCO ETF TR ENHAN SHRT MA AC 72201R833 401 4,000 SH   SOLE   4,000 0 0
PIONEER BANCORP INC MD COM 723561106 200 19,000 SH   SOLE   19,000 0 0
PLUG POWER INC COM NEW 72919P202 4,050 141,554 SH   SOLE   141,554 0 0
PROCTER AND GAMBLE CO COM 742718109 380 2,489 SH   SOLE   2,489 0 0
QUALCOMM INC COM 747525103 11,770 77,016 SH   SOLE   77,016 0 0
REGENERON PHARMACEUTICALS COM 75886F107 5,681 8,134 SH   SOLE   8,134 0 0
ROBLOX CORP CL A 771049103 592 12,793 SH   SOLE   12,793 0 0
SCHWAB CHARLES CORP COM 808513105 237 2,813 SH   SOLE   2,813 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 2,105 75,811 SH   SOLE   75,811 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 736 20,049 SH   SOLE   20,049 0 0
SCHWAB STRATEGIC TR INTRM TRM TRES 808524854 781 14,663 SH   SOLE   14,663 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102 6,981 130,750 SH   SOLE   130,750 0 0
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797 4,158 52,703 SH   SOLE   52,703 0 0
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300 1,575 21,052 SH   SOLE   21,052 0 0
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 2,607 36,523 SH   SOLE   36,523 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 1,534 28,483 SH   SOLE   28,483 0 0
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,600 21,097 SH   SOLE   21,097 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 7,197 118,550 SH   SOLE   118,550 0 0
SELECT SECTOR SPDR TR ENERGY 81369Y506 6,006 78,574 SH   SOLE   78,574 0 0
SELECT SECTOR SPDR TR FINANCIAL 81369Y605 2,986 77,923 SH   SOLE   77,923 0 0
SELECT SECTOR SPDR TR SBI CONS DISCR 81369Y407 463 2,501 SH   SOLE   2,501 0 0
SELECT SECTOR SPDR TR SBI HEALTHCARE 81369Y209 881 6,432 SH   SOLE   6,432 0 0
SELECT SECTOR SPDR TR SBI INT-INDS 81369Y704 707 6,868 SH   SOLE   6,868 0 0
SELECT SECTOR SPDR TR SBI MATERIALS 81369Y100 2,240 25,412 SH   SOLE   25,412 0 0
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 2,154 13,555 SH   SOLE   13,555 0 0
SIMPLIFY EXCHANGE TRADED FUN US EQT PLS CNVEX 82889N103 2,252 70,285 SH   SOLE   70,285 0 0
SOUTHERN CO COM 842587107 291 4,011 SH   SOLE   4,011 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 725 2,090 SH   SOLE   2,090 0 0
SPDR S&P 500 ETF TR TR UNIT 78462F103 2,777 6,149 SH   SOLE   6,149 0 0
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 523 1,066 SH   SOLE   1,066 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 1,411 46,270 SH   SOLE   46,270 0 0
SPDR SER TR S&P DIVID ETF 78464A763 258 2,015 SH   SOLE   2,015 0 0
SPDR SER TR S&P HOMEBUILD 78464A888 851 13,470 SH   SOLE   13,470 0 0
STARBUCKS CORP COM 855244109 9,601 105,539 SH   SOLE   105,539 0 0
TARGET CORP COM 87612E106 6,552 30,874 SH   SOLE   30,874 0 0
TESLA INC COM 88160R101 3,473 3,223 SH   SOLE   3,223 0 0
TRIMBLE INC COM 896239100 282 3,909 SH   SOLE   3,909 0 0
UNITEDHEALTH GROUP INC COM 91324P102 521 1,022 SH   SOLE   1,022 0 0
VANECK ETF TRUST FALLEN ANGEL HG 92189F437 3,528 116,047 SH   SOLE   116,047 0 0
VANECK ETF TRUST SEMICONDUCTR ETF 92189F676 1,225 4,541 SH   SOLE   4,541 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 1,824 22,267 SH   SOLE   22,267 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 4,479 57,359 SH   SOLE   57,359 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 2,960 37,220 SH   SOLE   37,220 0 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407 4,049 77,207 SH   SOLE   77,207 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 248 598 SH   SOLE   598 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769 326 1,434 SH   SOLE   1,434 0 0
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 207 3,980 SH   SOLE   3,980 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706 1,764 28,041 SH   SOLE   28,041 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870 10,566 122,799 SH   SOLE   122,799 0 0
VERIZON COMMUNICATIONS INC COM 92343V104 833 16,359 SH   SOLE   16,359 0 0
VERTEX PHARMACEUTICALS INC COM 92532F100 6,759 25,899 SH   SOLE   25,899 0 0
VISA INC COM CL A 92826C839 8,662 39,059 SH   SOLE   39,059 0 0