Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VONG	Vanguard Russell 1000 Growth ETF	396,768	$47.81M	11.8%	$93.02	—	VNG RUS1000GRW	92206C680
IGE	iShares North American Natural Resources ETF	495,504	$24.3M	6.0%	$43.07	—	NORTH AMERN NAT	464287374
IEMG	iShares Core MSCI Emerging Mkts ETF	356,787	$23.52M	5.8%	$52.31	—	CORE MSCI EMKT	46434G103
FREL	Fidelity MSCI Real Estate Index ETF	822,330	$22.87M	5.7%	$24.97	—	MSCI RL EST ETF	316092857
IJH	iShares S&P MidCap 400 Index Fd	258,315	$16.86M	4.2%	$67.69	—	CORE S&P MCP ETF	464287507
NVDA	Nvidia Corp	88,031	$16.42M	4.1%	$95.11	+83.2%	COM	67066G104
MSFT	Microsoft Corp	31,231	$16.18M	4.0%	$104.23	+388.1%	COM	594918104
AAPL	Apple Computer Inc	57,868	$14.73M	3.7%	$100.07	+125.4%	COM	037833100
SPMD	SPDR Portfolio S&P 400 Mid Cap ETF	232,382	$13.29M	3.3%	$46.64	—	PORTFOLIO S&P400	78464A847
EMB	iShares JPMorgan USD Emerging Markets Bond ETF	130,662	$12.44M	3.1%	$104.20	—	JPMORGAN USD EMG	464288281
GOOG	Alphabet Inc Class C	45,184	$11M	2.7%	$109.26	+92.1%	CAP STK CL C	02079K107
DFAC	Dimensional U.S. Core Equity 2 ETF	232,401	$8.964M	2.2%	$32.43	—	US CORE EQUITY 2	25434V708
AMZN	Amazon Communications Inc	39,998	$8.782M	2.2%	$138.84	+63.0%	COM	023135106
JPM	JPMorgan Chase & Co	24,674	$7.783M	1.9%	$68.82	+330.0%	COM	46625H100
CZFS	Citizens Financial Services Inc	117,081	$7.058M	1.7%	$59.23	-0.5%	COM	174615104
META	Meta Platforms Inc	8,713	$6.399M	1.6%	$180.26	+312.3%	CL A	30303M102
CZNC	Citizens & Northern Corp	321,089	$6.361M	1.6%	$13.85	+37.6%	COM	172922106
MA	Mastercard Inc Class A	8,176	$4.651M	1.2%	$272.20	+110.7%	CL A	57636Q104
COST	Costco Wholesale Corp (New)	4,594	$4.252M	1.1%	$222.89	+329.2%	COM	22160K105
ORCL	Oracle Corp	14,484	$4.073M	1.0%	$85.25	+198.1%	COM	68389X105
AVDE	Avantis International Equity ETF	51,058	$4.028M	1.0%	$67.73	—	INTL EQT ETF	025072703
MBB	iShares Barclays MBS Bond Fund ETF	34,380	$3.271M	0.8%	$100.29	—	MBS ETF	464288588
XOM	Exxon Mobil Corp	27,555	$3.107M	0.8%	$54.37	+101.8%	COM	30231G102
ABT	Abbott Labs	21,875	$2.93M	0.7%	$50.93	+156.4%	COM	002824100
PG	Procter & Gamble Co	18,756	$2.882M	0.7%	$85.75	+80.6%	COM	742718109
NSC	Norfolk Southern Corp	9,550	$2.869M	0.7%	$124.60	+121.5%	COM	655844108
HD	Home Depot Inc	6,579	$2.666M	0.7%	$166.04	+134.4%	COM	437076102
BX	Blackstone Inc	15,602	$2.666M	0.7%	$95.06	+78.3%	COM	09260D107
AMD	Advanced Micro Devices Inc	15,985	$2.586M	0.6%	$123.39	+30.8%	COM	007903107
GD	General Dynamics Corp	7,542	$2.572M	0.6%	$156.18	+100.9%	COM	369550108
TJX	Tjx Companies (New)	17,457	$2.523M	0.6%	$44.58	+196.7%	COM	872540109
COR	Cencora, Inc.	7,451	$2.329M	0.6%	$141.35	+107.6%	COM	03073E105
CSCO	Cisco Systems Inc	34,033	$2.329M	0.6%	$47.94	+40.6%	COM	17275R102
AVGO	Broadcom Inc Common	6,523	$2.152M	0.5%	$210.04	+45.6%	COM	11135F101
CVS	CVS Health Corporation	28,256	$2.13M	0.5%	$56.11	+20.9%	COM	126650100
SCHW	Charles Schwab Corp	22,098	$2.11M	0.5%	$68.32	+38.4%	COM	808513105
CRM	Salesforce, Inc.	8,850	$2.097M	0.5%	$127.30	+97.5%	COM	79466L302
MDLZ	Mondelez Intl Inc Class A	31,559	$1.971M	0.5%	$36.35	+74.4%	CL A	609207105
HON	Honeywell Intl Inc	9,209	$1.938M	0.5%	$131.74	+57.2%	COM	438516106
CMG	Chipotle Mexican Grill Inc Corp Common	48,140	$1.887M	0.5%	$60.70	-25.8%	COM	169656105
RTX	RTX Corporation	11,271	$1.886M	0.5%	$131.75	+17.1%	COM	75513E101
SPY	SPDR S&P 500 ETF Trust	2,793	$1.861M	0.5%	$281.64	—	TR UNIT	78462F103
AMT	American Tower REIT Inc	9,352	$1.799M	0.4%	$96.65	+111.6%	COM	03027X100
GSK	GSK PLC ADR	41,530	$1.792M	0.4%	$35.66	—	SPONSORED ADR	37733W204
ADI	Analog Devices Inc	7,116	$1.748M	0.4%	$132.03	+81.0%	COM	032654105
ETN	Eaton Corp	4,582	$1.715M	0.4%	$334.86	+8.5%	SHS	G29183103
NOW	Servicenow Inc	1,856	$1.708M	0.4%	$171.09	+9.2%	COM	81762P102
KO	Coca Cola Co	24,453	$1.622M	0.4%	$37.38	+81.7%	COM	191216100
GLW	Corning Inc	19,658	$1.613M	0.4%	$14.59	+345.2%	COM	219350105
PANW	Palo Alto Networks Inc Common	7,715	$1.571M	0.4%	$138.69	+38.0%	COM	697435105
TFC	Truist Financial Corporation	34,348	$1.57M	0.4%	$30.87	+43.6%	COM	89832Q109
BLK	Blackrock Funding Inc	1,314	$1.532M	0.4%	$991.05	+11.9%	COM	09290D101
JNJ	Johnson & Johnson	8,245	$1.529M	0.4%	$140.20	+20.9%	COM	478160104
DIS	Disney Walt Co	13,134	$1.504M	0.4%	$97.32	+20.2%	COM	254687106
AVUS	Avantis US Equity ETF	13,829	$1.503M	0.4%	$86.08	—	US EQT ETF	025072885
PYPL	Paypal Holdings, Inc.	22,206	$1.489M	0.4%	$65.52	+7.3%	COM	70450Y103
ICE	Intercontinental Exchange Inc Common	8,612	$1.451M	0.4%	$60.41	+194.2%	COM	45866F104
ADBE	Adobe Systems Inc	4,065	$1.434M	0.4%	$519.53	-30.9%	COM	00724F101
CMCSA	Comcast Corp Class A	45,149	$1.419M	0.4%	$34.47	-3.8%	CL A	20030N101
ACN	Accenture PLC	5,724	$1.412M	0.3%	$337.09	-22.7%	SHS CLASS A	G1151C101
BA	Boeing Co	6,331	$1.366M	0.3%	$234.45	-3.8%	COM	097023105
NEE	Nextera Energy Inc	18,099	$1.366M	0.3%	$64.16	+12.6%	COM	65339F101
MRSH	Marsh & McLennan Cos Inc	6,728	$1.356M	0.3%	$122.45	+66.6%	COM	571748102
PFE	Pfizer Inc	49,753	$1.268M	0.3%	$24.75	-2.5%	COM	717081103
ZBH	Zimmer Biomet Holdings, Inc.	12,848	$1.266M	0.3%	$102.51	-3.8%	COM	98956P102
BDX	Becton, Dickinson & Co.	6,756	$1.265M	0.3%	$224.79	-18.1%	COM	075887109
SLB	SLB Limited	36,247	$1.246M	0.3%	$37.56	-8.6%	COM STK	806857108
CVX	Chevron Corp	7,842	$1.218M	0.3%	$87.76	+73.5%	COM	166764100
CARR	Carrier Global Corp	20,194	$1.206M	0.3%	$67.32	+0.5%	COM	14448C104
UNP	Union Pacific Corp	5,044	$1.192M	0.3%	$86.78	+157.1%	COM	907818108
DIA	SPDR Dow Jones Industrial Average ETF Trust	2,543	$1.179M	0.3%	$267.97	—	UT SER 1	78467X109
NKE	Nike, Inc. Class B	16,798	$1.171M	0.3%	$57.83	+27.6%	CL B	654106103
BNDX	Vanguard Total International Bond Index Fund ETF	22,612	$1.118M	0.3%	$55.49	—	TOTAL INT BD ETF	92203J407
FDX	Fedex Corp	4,518	$1.065M	0.3%	$278.25	-18.0%	COM	31428X106
EOG	EOG Resources, Inc.	8,947	$1.003M	0.2%	$59.52	+98.2%	COM	26875P101
IWF	iShares Trust Russell 1000 Growth ETF	2,136	$1.001M	0.2%	$138.25	—	RUS 1000 GRW ETF	464287614
CDW	CDW Corporation	6,196	$987K	0.2%	$168.10	+0.4%	COM	12514G108
BIIB	Biogen Idec Inc	6,996	$980K	0.2%	$163.65	-17.4%	COM	09062X103
MCD	McDonalds Corp	3,173	$964K	0.2%	$82.48	+265.4%	COM	580135101
BBWI	Bath & Body Works	35,558	$916K	0.2%	$35.02	-17.5%	COM	070830104
DD	DuPont de Nemours Inc	11,474	$894K	0.2%	$24.86	+25.3%	COM	26614N102
BMY	Bristol Myers Squibb Co	19,605	$884K	0.2%	$44.04	+3.3%	COM	110122108
VIG	Vanguard Dividend Appreciation Index ETF	4,001	$863K	0.2%	$140.29	—	DIV APP ETF	921908844
SPTL	SPDR Portfolio Long Term Treasury ETF	30,396	$819K	0.2%	$36.42	—	PORTFOLIO LN TSR	78464A664
IBM	International Business Machines	2,859	$807K	0.2%	$109.53	+137.0%	COM	459200101
BRK/B	Berkshire Hathaway Inc Class B New	1,524	$766K	0.2%	$303.16	+59.8%	CL B NEW	084670702
AVEM	Avantis Emerging Markets Equity ETF	10,143	$762K	0.2%	$64.84	—	AVANTIS EMGMKT	025072604
VZ	Verizon Communications	16,640	$731K	0.2%	$34.52	+23.1%	COM	92343V104
FCX	Freeport-McMoran, Inc.	18,219	$715K	0.2%	$38.53	+12.1%	CL B	35671D857
HAL	Halliburton Co	27,878	$686K	0.2%	$23.90	-8.5%	COM	406216101
MTB	M & T Bank Corp	3,384	$669K	0.2%	$186.67	+3.8%	COM	55261F104
SUB	iShares Short-Term National Muni Bond ETF	5,929	$633K	0.2%	$105.43	—	SHRT NAT MUN ETF	464288158
SPTS	SPDR Portfolio Short Term Treasury ETF	20,294	$595K	0.1%	$29.29	—	PORTFOLIO SH TSR	78468R101
IWD	iShares Russell 1000 Value ETF	2,819	$574K	0.1%	$120.27	—	RUS 1000 VAL ETF	464287598
TIP	iShares Barclays TIPS Bond Fund	5,134	$571K	0.1%	$113.84	—	TIPS BD ETF	464287176
HYG	iShares iBoxx $ High Yield Corp Bond ETF	7,019	$570K	0.1%	$82.95	—	IBOXX HI YD ETF	464288513
DFIC	DFA Dimensional International Core Equity 2 ETF	17,326	$568K	0.1%	$26.74	—	INTL CORE EQUITY	25434V799
ROP	Roper Industries Inc New	1,115	$556K	0.1%	$223.58	+137.7%	COM	776696106
CAT	Caterpillar Inc	1,130	$539K	0.1%	$243.34	+74.8%	COM	149123101
ITW	Illinois Tool Works Inc	1,876	$489K	0.1%	$149.04	+72.7%	COM	452308109
T	AT&T Inc	17,037	$481K	0.1%	$15.44	+81.8%	COM	00206R102
DE	Deere & Co	886	$405K	0.1%	$162.09	+202.1%	COM	244199105
NFG	National Fuel Gas Co N J	4,012	$371K	0.1%	$49.65	+75.6%	COM	636180101
DFEM	DFA Dimensional Emerging Markets Core Equity 2 ETF	10,923	$350K	0.1%	$28.53	—	EMERGING MKTS CO	25434V732
IVV	iShares Core S&P 500 ETF	512	$343K	0.1%	$310.74	—	CORE S&P500 ETF	464287200
DGX	Quest Diagnostics Inc	1,574	$300K	0.1%	$148.13	+19.2%	COM	74834L100
WMT	Walmart Inc.	2,760	$284K	0.1%	$78.21	+26.9%	COM	931142103
LOW	Lowes Cos Inc	1,126	$283K	0.1%	$182.78	+33.6%	COM	548661107
VT	Vanguard Total World Stock Index Fund ETF	2,000	$276K	0.1%	$102.88	—	TT WRLD ST ETF	922042742
GWW	W W Grainger Inc	267	$254K	0.1%	$271.91	+268.0%	COM	384802104
CMI	Cummins Inc	600	$253K	0.1%	$380.68	0.0%	COM	231021106
VNQ	Vanguard REIT Index ETF	2,683	$245K	0.1%	$91.42	—	REAL ESTATE ETF	922908553
BNDC	FlexShares Core Select Bond Fund ETF	10,565	$238K	0.1%	$22.27	—	CRE SLCT BD FD	33939L670
GOOGL	Alphabet Inc Class A	965	$235K	0.1%	$209.20	0.0%	CAP STK CL A	02079K305
ROK	Rockwell Automation Inc Common	666	$233K	0.1%	$282.18	+21.7%	COM	773903109
VTEB	Vanguard Tax-Exempt Bond Index ETF	4,546	$228K	0.1%	$51.06	—	TAX EXEMPT BD	922907746
LLY	Eli Lilly & Co	282	$215K	0.1%	$587.47	+26.3%	COM	532457108
PGR	Progressive Corp Ohio common	858	$212K	0.1%	$232.36	-0.3%	COM	743315103
SYY	SYSCO Corp	2,506	$206K	0.1%	$78.85	0.0%	COM	871829107
VO	Vanguard Mid-Cap ETF	681	$200K	0.0%	$293.74	—	MID CAP ETF	922908629
F	Ford Motor Co Del Par $0.01	12,373	$148K	0.0%	$10.44	+8.5%	COM	345370860