CITIZENS & NORTHERN CORP Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
KKR	KKR & Co Inc	14,168	$1,806	0.4%	$124.29	0.0%	COM	48251W104
C	Citigroup Inc Common New	13,930	$1,625	0.4%	$103.64	0.0%	COM NEW	172967424
NFLX	Netflix Inc Corp	15,633	$1,466	0.4%	$107.81	0.0%	COM	64110L106
EMR	Emerson Electric Co	9,993	$1,326	0.3%	$132.37	0.0%	COM	291011104
INTU	Intuit	2,001	$1,326	0.3%	$660.69	0.0%	COM	461202103
TPR	Tapestry Inc Common	8,383	$1,071	0.3%	$114.03	0.0%	COM	876030107
XLV	Health Care Select Sector SPDR ETF	2,659	$412	0.1%	$154.80	—	SBI HEALTHCARE	81369Y209
IHI	iShares Dow Jones US Med Devices Index	6,179	$384	0.1%	$62.15	—	U.S. MED DVC ETF	464288810
XLY	Consumer Discretionary Select Sector SPDR	2,260	$270	0.1%	$119.41	—	SBI CONS DISCR	81369Y407

Increased Positions (31)

FREL Fidelity MSCI Real Estate Index ETF 7.2%

Value ($000) $29,231 (+27.8%) Shares 1,087,071 (+32.2%) Est. Cost $25.43 Unrealized —

CAT Caterpillar Inc 0.6%

Value ($000) $2,414 (+347.7%) Shares 4,214 (+272.9%) Est. Cost $471.79 Unrealized +17.7%

CZNC Citizens & Northern Corp 1.8%

Value ($000) $7,290 (+14.6%) Shares 361,412 (+12.6%) Est. Cost $14.49 Unrealized +35.2%

ADI Analog Devices Inc 0.6%

Value ($000) $2,519 (+44.1%) Shares 9,288 (+30.5%) Est. Cost $159.77 Unrealized +56.9%

RTX RTX Corporation 0.6%

Value ($000) $2,526 (+33.9%) Shares 13,774 (+22.2%) Est. Cost $139.31 Unrealized +24.4%

BA Boeing Co 0.5%

Value ($000) $1,950 (+42.7%) Shares 8,980 (+41.8%) Est. Cost $225.96 Unrealized -9.0%

AVDE Avantis International Equity ETF 1.1%

Value ($000) $4,512 (+12.0%) Shares 54,809 (+7.3%) Est. Cost $68.73 Unrealized —

DFAC Dimensional U.S. Core Equity 2 ETF 2.3%

Value ($000) $9,423 (+5.1%) Shares 238,023 (+2.4%) Est. Cost $32.59 Unrealized —

SPMD State Street SPDR Portfolio S&P 400 Mid Cap ETF 3.4%

Value ($000) $13,646 (+2.7%) Shares 235,643 (+1.4%) Est. Cost $46.80 Unrealized —

NOW Servicenow Inc 0.3%

Value ($000) $1,398 (-18.1%) Shares 9,127 (+391.8%) Est. Cost $171.45 Unrealized +0.1%

HYG iShares iBoxx $ High Yield Corp Bond ETF 0.2%

Value ($000) $873 (+53.1%) Shares 10,822 (+54.2%) Est. Cost $82.14 Unrealized —

EMB iShares JPMorgan USD Emerging Markets Bond ETF 3.2%

Value ($000) $12,731 (+2.4%) Shares 132,225 (+1.2%) Est. Cost $104.10 Unrealized —

GLW Corning Inc 0.5%

Value ($000) $1,903 (+18.0%) Shares 21,734 (+10.6%) Est. Cost $21.41 Unrealized +301.5%

SPTS State Street SPDR Portfolio Short Term Treasury ETF 0.2%

Value ($000) $789 (+32.5%) Shares 26,935 (+32.7%) Est. Cost $29.29 Unrealized —

AVGO Broadcom Inc Common 0.6%

Value ($000) $2,325 (+8.1%) Shares 6,719 (+3.0%) Est. Cost $214.33 Unrealized +66.6%

LLY Eli Lilly & Co 0.1%

Value ($000) $339 (+57.3%) Shares 315 (+11.7%) Est. Cost $626.03 Unrealized +52.6%

EOG EOG Resources, Inc. 0.3%

Value ($000) $1,126 (+12.3%) Shares 10,726 (+19.9%) Est. Cost $67.43 Unrealized +59.0%

PYPL Paypal Holdings, Inc. 0.4%

Value ($000) $1,597 (+7.2%) Shares 27,351 (+23.2%) Est. Cost $65.39 Unrealized -0.8%

SPY State Street SPDR S&P 500 ETF Trust 0.5%

Value ($000) $1,962 (+5.4%) Shares 2,877 (+3.0%) Est. Cost $293.32 Unrealized —

MBB iShares Barclays MBS Bond Fund ETF 0.8%

Value ($000) $3,366 (+2.9%) Shares 35,349 (+2.8%) Est. Cost $100.16 Unrealized —

NKE Nike, Inc. Class B 0.3%

Value ($000) $1,083 (-7.5%) Shares 17,005 (+1.2%) Est. Cost $57.91 Unrealized +12.1%

DFEM DFA Dimensional Emerging Markets Core Equity 2 ETF 0.1%

Value ($000) $425 (+21.2%) Shares 12,833 (+17.5%) Est. Cost $29.21 Unrealized —

IWF iShares Trust Russell 1000 Growth ETF 0.3%

Value ($000) $1,067 (+6.6%) Shares 2,254 (+5.5%) Est. Cost $155.79 Unrealized —

MTB M & T Bank Corp 0.2%

Value ($000) $734 (+9.7%) Shares 3,642 (+7.6%) Est. Cost $186.91 Unrealized +1.7%

IWD iShares Russell 1000 Value ETF 0.2%

Value ($000) $637 (+11.0%) Shares 3,029 (+7.4%) Est. Cost $126.52 Unrealized —

BNDX Vanguard Total International Bond Index Fund ETF 0.3%

Value ($000) $1,166 (+4.2%) Shares 24,121 (+6.7%) Est. Cost $55.04 Unrealized —

IVV iShares Core S&P 500 ETF 0.1%

Value ($000) $377 (+9.9%) Shares 550 (+7.4%) Est. Cost $336.60 Unrealized —

TIP iShares Barclays TIPS Bond Fund 0.1%

Value ($000) $594 (+4.0%) Shares 5,404 (+5.3%) Est. Cost $113.65 Unrealized —

ITW Illinois Tool Works Inc 0.1%

Value ($000) $467 (-4.4%) Shares 1,898 (+1.2%) Est. Cost $150.18 Unrealized +64.8%

DD DuPont de Nemours Inc 0.2%

Value ($000) $889 (-0.5%) Shares 22,119 (+92.8%) Est. Cost $30.89 Unrealized +21.0%

PGR Progressive Corp Ohio common 0.1%

Value ($000) $211 (-0.6%) Shares 925 (+7.8%) Est. Cost $230.91 Unrealized -8.0%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
FREL	Fidelity MSCI Real Estate Index ETF	1,087,071 (+32.2%)	$29,231 (+27.8%)	7.2%	$25.43	—	MSCI RL EST ETF	316092857
CAT	Caterpillar Inc	4,214 (+272.9%)	$2,414 (+347.7%)	0.6%	$471.79	+17.7%	COM	149123101
CZNC	Citizens & Northern Corp	361,412 (+12.6%)	$7,290 (+14.6%)	1.8%	$14.49	+35.2%	COM	172922106
ADI	Analog Devices Inc	9,288 (+30.5%)	$2,519 (+44.1%)	0.6%	$159.77	+56.9%	COM	032654105
RTX	RTX Corporation	13,774 (+22.2%)	$2,526 (+33.9%)	0.6%	$139.31	+24.4%	COM	75513E101
BA	Boeing Co	8,980 (+41.8%)	$1,950 (+42.7%)	0.5%	$225.96	-9.0%	COM	097023105
AVDE	Avantis International Equity ETF	54,809 (+7.3%)	$4,512 (+12.0%)	1.1%	$68.73	—	INTL EQT ETF	025072703
DFAC	Dimensional U.S. Core Equity 2 ETF	238,023 (+2.4%)	$9,423 (+5.1%)	2.3%	$32.59	—	US CORE EQUITY 2	25434V708
SPMD	State Street SPDR Portfolio S&P 400 Mid Cap ETF	235,643 (+1.4%)	$13,646 (+2.7%)	3.4%	$46.80	—	PORTFOLIO S&P400	78464A847
NOW	Servicenow Inc	9,127 (+391.8%)	$1,398 (-18.1%)	0.3%	$171.45	+0.1%	COM	81762P102
HYG	iShares iBoxx $ High Yield Corp Bond ETF	10,822 (+54.2%)	$873 (+53.1%)	0.2%	$82.14	—	IBOXX HI YD ETF	464288513
EMB	iShares JPMorgan USD Emerging Markets Bond ETF	132,225 (+1.2%)	$12,731 (+2.4%)	3.2%	$104.10	—	JPMORGAN USD EMG	464288281
GLW	Corning Inc	21,734 (+10.6%)	$1,903 (+18.0%)	0.5%	$21.41	+301.5%	COM	219350105
SPTS	State Street SPDR Portfolio Short Term Treasury ETF	26,935 (+32.7%)	$789 (+32.5%)	0.2%	$29.29	—	PORTFOLIO SH TSR	78468R101
AVGO	Broadcom Inc Common	6,719 (+3.0%)	$2,325 (+8.1%)	0.6%	$214.33	+66.6%	COM	11135F101
LLY	Eli Lilly & Co	315 (+11.7%)	$339 (+57.3%)	0.1%	$626.03	+52.6%	COM	532457108
EOG	EOG Resources, Inc.	10,726 (+19.9%)	$1,126 (+12.3%)	0.3%	$67.43	+59.0%	COM	26875P101
PYPL	Paypal Holdings, Inc.	27,351 (+23.2%)	$1,597 (+7.2%)	0.4%	$65.39	-0.8%	COM	70450Y103
SPY	State Street SPDR S&P 500 ETF Trust	2,877 (+3.0%)	$1,962 (+5.4%)	0.5%	$293.32	—	TR UNIT	78462F103
MBB	iShares Barclays MBS Bond Fund ETF	35,349 (+2.8%)	$3,366 (+2.9%)	0.8%	$100.16	—	MBS ETF	464288588
NKE	Nike, Inc. Class B	17,005 (+1.2%)	$1,083 (-7.5%)	0.3%	$57.91	+12.1%	CL B	654106103
DFEM	DFA Dimensional Emerging Markets Core Equity 2 ETF	12,833 (+17.5%)	$425 (+21.2%)	0.1%	$29.21	—	EMERGING MKTS CO	25434V732
IWF	iShares Trust Russell 1000 Growth ETF	2,254 (+5.5%)	$1,067 (+6.6%)	0.3%	$155.79	—	RUS 1000 GRW ETF	464287614
MTB	M & T Bank Corp	3,642 (+7.6%)	$734 (+9.7%)	0.2%	$186.91	+1.7%	COM	55261F104
IWD	iShares Russell 1000 Value ETF	3,029 (+7.4%)	$637 (+11.0%)	0.2%	$126.52	—	RUS 1000 VAL ETF	464287598
BNDX	Vanguard Total International Bond Index Fund ETF	24,121 (+6.7%)	$1,166 (+4.2%)	0.3%	$55.04	—	TOTAL INT BD ETF	92203J407
IVV	iShares Core S&P 500 ETF	550 (+7.4%)	$377 (+9.9%)	0.1%	$336.60	—	CORE S&P500 ETF	464287200
TIP	iShares Barclays TIPS Bond Fund	5,404 (+5.3%)	$594 (+4.0%)	0.1%	$113.65	—	TIPS BD ETF	464287176
ITW	Illinois Tool Works Inc	1,898 (+1.2%)	$467 (-4.4%)	0.1%	$150.18	+64.8%	COM	452308109
DD	DuPont de Nemours Inc	22,119 (+92.8%)	$889 (-0.5%)	0.2%	$30.89	+21.0%	COM	26614N102
PGR	Progressive Corp Ohio common	925 (+7.8%)	$211 (-0.6%)	0.1%	$230.91	-8.0%	COM	743315103

Exited Positions (6)

FDX Fedex Corp 0.3%

Value ($000) $1,065 Shares 4,518 Est. Cost $278.25 Unrealized -6.0%

CDW CDW Corporation 0.2%

Value ($000) $987 Shares 6,196 Est. Cost $168.10 Unrealized -12.5%

WMT Walmart Inc. 0.1%

Value ($000) $284 Shares 2,760 Est. Cost $78.21 Unrealized +37.1%

SYY SYSCO Corp 0.1%

Value ($000) $206 Shares 2,506 Est. Cost $78.85 Unrealized -4.2%

VO Vanguard Mid-Cap ETF 0.0%

Value ($000) $200 Shares 681 Est. Cost $293.74 Unrealized —

F Ford Motor Co Del Par $0.01 0.0%

Value ($000) $148 Shares 12,373 Est. Cost $10.44 Unrealized +22.9%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
FDX	Fedex Corp	4,518	$1,065	0.3%	$278.25	-6.0%	—	31428X106
CDW	CDW Corporation	6,196	$987	0.2%	$168.10	-12.5%	—	12514G108
WMT	Walmart Inc.	2,760	$284	0.1%	$78.21	+37.1%	—	931142103
SYY	SYSCO Corp	2,506	$206	0.1%	$78.85	-4.2%	—	871829107
VO	Vanguard Mid-Cap ETF	681	$200	0.0%	$293.74	—	—	922908629
F	Ford Motor Co Del Par $0.01	12,373	$148	0.0%	$10.44	+22.9%	—	345370860

Decreased Positions (60)

VONG Vanguard Russell 1000 Growth ETF 11.1%

Value ($000) $44,769 (-6.4%) Shares 367,716 (-7.3%) Est. Cost $93.02 Unrealized —

MSFT Microsoft Corp 3.4%

Value ($000) $13,691 (-15.4%) Shares 28,309 (-9.4%) Est. Cost $104.23 Unrealized +380.3%

GOOG Alphabet Inc Class C 3.1%

Value ($000) $12,694 (+15.4%) Shares 40,453 (-10.5%) Est. Cost $109.26 Unrealized +162.1%

HON Honeywell Intl Inc 0.1%

Value ($000) $362 (-81.3%) Shares 1,856 (-79.8%) Est. Cost $131.74 Unrealized +48.0%

TFC Truist Financial Corporation 0.1%

Value ($000) $233 (-85.2%) Shares 4,727 (-86.2%) Est. Cost $30.87 Unrealized +48.4%

JPM JPMorgan Chase & Co 1.6%

Value ($000) $6,474 (-16.8%) Shares 20,091 (-18.6%) Est. Cost $68.82 Unrealized +349.8%

BLK Blackrock Funding Inc 0.1%

Value ($000) $238 (-84.5%) Shares 222 (-83.1%) Est. Cost $991.05 Unrealized +9.9%

IEMG iShares Core MSCI Emerging Mkts ETF 5.5%

Value ($000) $22,295 (-5.2%) Shares 331,668 (-7.0%) Est. Cost $52.31 Unrealized —

NVDA Nvidia Corp 3.8%

Value ($000) $15,271 (-7.0%) Shares 81,880 (-7.0%) Est. Cost $95.11 Unrealized +95.7%

CMCSA Comcast Corp Class A 0.1%

Value ($000) $330 (-76.8%) Shares 11,030 (-75.6%) Est. Cost $34.47 Unrealized -17.2%

NSC Norfolk Southern Corp 0.5%

Value ($000) $1,974 (-31.2%) Shares 6,836 (-28.4%) Est. Cost $124.60 Unrealized +131.6%

GD General Dynamics Corp 0.5%

Value ($000) $1,821 (-29.2%) Shares 5,408 (-28.3%) Est. Cost $156.18 Unrealized +118.3%

HD Home Depot Inc 0.5%

Value ($000) $1,927 (-27.7%) Shares 5,601 (-14.9%) Est. Cost $166.04 Unrealized +119.6%

MDLZ Mondelez Intl Inc Class A 0.3%

Value ($000) $1,303 (-33.9%) Shares 24,204 (-23.3%) Est. Cost $36.35 Unrealized +57.0%

ZBH Zimmer Biomet Holdings, Inc. 0.2%

Value ($000) $727 (-42.6%) Shares 8,080 (-37.1%) Est. Cost $102.51 Unrealized -7.7%

COST Costco Wholesale Corp (New) 0.9%

Value ($000) $3,771 (-11.3%) Shares 4,373 (-4.8%) Est. Cost $222.89 Unrealized +306.4%

CMG Chipotle Mexican Grill Inc Corp Common 0.3%

Value ($000) $1,407 (-25.4%) Shares 38,035 (-21.0%) Est. Cost $60.70 Unrealized -40.4%

BBWI Bath & Body Works 0.1%

Value ($000) $439 (-52.1%) Shares 21,871 (-38.5%) Est. Cost $35.02 Unrealized -38.0%

HAL Halliburton Co 0.1%

Value ($000) $232 (-66.1%) Shares 8,222 (-70.5%) Est. Cost $23.90 Unrealized +10.0%

BDX Becton, Dickinson & Co. 0.2%

Value ($000) $822 (-35.0%) Shares 4,235 (-37.3%) Est. Cost $224.79 Unrealized -15.7%

ABT Abbott Labs 0.6%

Value ($000) $2,576 (-12.1%) Shares 20,562 (-6.0%) Est. Cost $50.93 Unrealized +149.9%

BX Blackstone Inc 0.6%

Value ($000) $2,355 (-11.6%) Shares 15,280 (-2.1%) Est. Cost $95.06 Unrealized +59.3%

ETN Eaton Corp 0.4%

Value ($000) $1,436 (-16.3%) Shares 4,507 (-1.6%) Est. Cost $334.86 Unrealized +5.8%

AAPL Apple Computer Inc 3.6%

Value ($000) $14,473 (-1.8%) Shares 53,237 (-8.0%) Est. Cost $100.07 Unrealized +168.2%

BIIB Biogen Idec Inc 0.3%

Value ($000) $1,216 (+24.1%) Shares 6,912 (-1.2%) Est. Cost $163.65 Unrealized -0.2%

VIG Vanguard Dividend Appreciation Index ETF 0.2%

Value ($000) $630 (-27.0%) Shares 2,866 (-28.4%) Est. Cost $140.29 Unrealized —

PG Procter & Gamble Co 0.7%

Value ($000) $2,661 (-7.7%) Shares 18,566 (-1.0%) Est. Cost $85.75 Unrealized +71.6%

AMT American Tower REIT Inc 0.4%

Value ($000) $1,591 (-11.6%) Shares 9,061 (-3.1%) Est. Cost $96.65 Unrealized +86.5%

FCX Freeport-McMoran, Inc. 0.2%

Value ($000) $914 (+27.9%) Shares 17,999 (-1.2%) Est. Cost $38.53 Unrealized +12.4%

CSCO Cisco Systems Inc 0.6%

Value ($000) $2,522 (+8.3%) Shares 32,735 (-3.8%) Est. Cost $47.94 Unrealized +53.9%

PANW Palo Alto Networks Inc Common 0.3%

Value ($000) $1,383 (-12.0%) Shares 7,509 (-2.7%) Est. Cost $138.69 Unrealized +45.5%

CARR Carrier Global Corp 0.3%

Value ($000) $1,038 (-13.9%) Shares 19,638 (-2.8%) Est. Cost $67.32 Unrealized -17.5%

MA Mastercard Inc Class A 1.1%

Value ($000) $4,497 (-3.3%) Shares 7,877 (-3.7%) Est. Cost $272.20 Unrealized +105.3%

GSK GSK PLC ADR 0.5%

Value ($000) $1,942 (+8.3%) Shares 39,595 (-4.7%) Est. Cost $35.66 Unrealized —

MRSH Marsh 0.3%

Value ($000) $1,208 (-10.9%) Shares 6,509 (-3.3%) Est. Cost $122.45 Unrealized +52.2%

CRM Salesforce, Inc. 0.6%

Value ($000) $2,243 (+6.9%) Shares 8,467 (-4.3%) Est. Cost $127.30 Unrealized +95.0%

BMY Bristol Myers Squibb Co 0.3%

Value ($000) $1,028 (+16.2%) Shares 19,051 (-2.8%) Est. Cost $44.04 Unrealized +7.9%

VZ Verizon Communications 0.2%

Value ($000) $621 (-15.1%) Shares 15,240 (-8.4%) Est. Cost $34.52 Unrealized +17.3%

ICE Intercontinental Exchange Inc Common 0.3%

Value ($000) $1,348 (-7.1%) Shares 8,324 (-3.3%) Est. Cost $60.41 Unrealized +158.6%

SLB SLB Limited 0.3%

Value ($000) $1,336 (+7.3%) Shares 34,819 (-3.9%) Est. Cost $37.56 Unrealized -4.0%

ADBE Adobe Systems Inc 0.3%

Value ($000) $1,344 (-6.3%) Shares 3,840 (-5.5%) Est. Cost $519.53 Unrealized -34.5%

ACN Accenture PLC 0.4%

Value ($000) $1,499 (+6.2%) Shares 5,588 (-2.4%) Est. Cost $337.09 Unrealized -24.6%

AMZN Amazon Communications Inc 2.2%

Value ($000) $8,705 (-0.9%) Shares 37,712 (-5.7%) Est. Cost $138.84 Unrealized +64.8%

PFE Pfizer Inc 0.3%

Value ($000) $1,195 (-5.8%) Shares 47,977 (-3.6%) Est. Cost $24.75 Unrealized +1.1%

TJX Tjx Companies (New) 0.6%

Value ($000) $2,589 (+2.6%) Shares 16,856 (-3.4%) Est. Cost $44.58 Unrealized +231.3%

XOM Exxon Mobil Corp 0.8%

Value ($000) $3,170 (+2.0%) Shares 26,338 (-4.4%) Est. Cost $54.37 Unrealized +112.4%

COR Cencora, Inc. 0.6%

Value ($000) $2,379 (+2.2%) Shares 7,045 (-5.4%) Est. Cost $141.35 Unrealized +141.0%

DIS Disney Walt Co 0.4%

Value ($000) $1,455 (-3.3%) Shares 12,788 (-2.6%) Est. Cost $97.32 Unrealized +12.5%

GOOGL Alphabet Inc Class A 0.1%

Value ($000) $279 (+18.7%) Shares 890 (-7.8%) Est. Cost $209.20 Unrealized +36.5%

CVX Chevron Corp 0.3%

Value ($000) $1,176 (-3.4%) Shares 7,716 (-1.6%) Est. Cost $87.76 Unrealized +72.5%

BRK/B Berkshire Hathaway Inc Class B New 0.2%

Value ($000) $732 (-4.5%) Shares 1,456 (-4.5%) Est. Cost $303.16 Unrealized +64.1%

DGX Quest Diagnostics Inc 0.1%

Value ($000) $269 (-10.3%) Shares 1,550 (-1.5%) Est. Cost $148.13 Unrealized +22.9%

NEE Nextera Energy Inc 0.3%

Value ($000) $1,392 (+1.9%) Shares 17,340 (-4.2%) Est. Cost $64.16 Unrealized +28.6%

MCD McDonalds Corp 0.2%

Value ($000) $944 (-2.1%) Shares 3,090 (-2.6%) Est. Cost $82.48 Unrealized +269.9%

LOW Lowes Cos Inc 0.1%

Value ($000) $266 (-5.8%) Shares 1,105 (-1.9%) Est. Cost $182.78 Unrealized +31.2%

SCHW Charles Schwab Corp 0.5%

Value ($000) $2,125 (+0.7%) Shares 21,271 (-3.7%) Est. Cost $68.32 Unrealized +38.7%

KO Coca Cola Co 0.4%

Value ($000) $1,635 (+0.8%) Shares 23,393 (-4.3%) Est. Cost $37.38 Unrealized +85.6%

GWW W W Grainger Inc 0.1%

Value ($000) $247 (-2.8%) Shares 245 (-8.2%) Est. Cost $271.91 Unrealized +256.3%

BNDC FlexShares Core Select Bond Fund ETF 0.1%

Value ($000) $233 (-2.0%) Shares 10,418 (-1.4%) Est. Cost $22.27 Unrealized —

CVS CVS Health Corporation 0.5%

Value ($000) $2,129 (-0.1%) Shares 26,828 (-5.1%) Est. Cost $56.11 Unrealized +40.2%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VONG	Vanguard Russell 1000 Growth ETF	367,716 (-7.3%)	$44,769 (-6.4%)	11.1%	$93.02	—	VNG RUS1000GRW	92206C680
MSFT	Microsoft Corp	28,309 (-9.4%)	$13,691 (-15.4%)	3.4%	$104.23	+380.3%	COM	594918104
GOOG	Alphabet Inc Class C	40,453 (-10.5%)	$12,694 (+15.4%)	3.1%	$109.26	+162.1%	CAP STK CL C	02079K107
HON	Honeywell Intl Inc	1,856 (-79.8%)	$362 (-81.3%)	0.1%	$131.74	+48.0%	COM	438516106
TFC	Truist Financial Corporation	4,727 (-86.2%)	$233 (-85.2%)	0.1%	$30.87	+48.4%	COM	89832Q109
JPM	JPMorgan Chase & Co	20,091 (-18.6%)	$6,474 (-16.8%)	1.6%	$68.82	+349.8%	COM	46625H100
BLK	Blackrock Funding Inc	222 (-83.1%)	$238 (-84.5%)	0.1%	$991.05	+9.9%	COM	09290D101
IEMG	iShares Core MSCI Emerging Mkts ETF	331,668 (-7.0%)	$22,295 (-5.2%)	5.5%	$52.31	—	CORE MSCI EMKT	46434G103
NVDA	Nvidia Corp	81,880 (-7.0%)	$15,271 (-7.0%)	3.8%	$95.11	+95.7%	COM	67066G104
CMCSA	Comcast Corp Class A	11,030 (-75.6%)	$330 (-76.8%)	0.1%	$34.47	-17.2%	CL A	20030N101
NSC	Norfolk Southern Corp	6,836 (-28.4%)	$1,974 (-31.2%)	0.5%	$124.60	+131.6%	COM	655844108
GD	General Dynamics Corp	5,408 (-28.3%)	$1,821 (-29.2%)	0.5%	$156.18	+118.3%	COM	369550108
HD	Home Depot Inc	5,601 (-14.9%)	$1,927 (-27.7%)	0.5%	$166.04	+119.6%	COM	437076102
MDLZ	Mondelez Intl Inc Class A	24,204 (-23.3%)	$1,303 (-33.9%)	0.3%	$36.35	+57.0%	CL A	609207105
ZBH	Zimmer Biomet Holdings, Inc.	8,080 (-37.1%)	$727 (-42.6%)	0.2%	$102.51	-7.7%	COM	98956P102
COST	Costco Wholesale Corp (New)	4,373 (-4.8%)	$3,771 (-11.3%)	0.9%	$222.89	+306.4%	COM	22160K105
CMG	Chipotle Mexican Grill Inc Corp Common	38,035 (-21.0%)	$1,407 (-25.4%)	0.3%	$60.70	-40.4%	COM	169656105
BBWI	Bath & Body Works	21,871 (-38.5%)	$439 (-52.1%)	0.1%	$35.02	-38.0%	COM	070830104
HAL	Halliburton Co	8,222 (-70.5%)	$232 (-66.1%)	0.1%	$23.90	+10.0%	COM	406216101
BDX	Becton, Dickinson & Co.	4,235 (-37.3%)	$822 (-35.0%)	0.2%	$224.79	-15.7%	COM	075887109
ABT	Abbott Labs	20,562 (-6.0%)	$2,576 (-12.1%)	0.6%	$50.93	+149.9%	COM	002824100
BX	Blackstone Inc	15,280 (-2.1%)	$2,355 (-11.6%)	0.6%	$95.06	+59.3%	COM	09260D107
ETN	Eaton Corp	4,507 (-1.6%)	$1,436 (-16.3%)	0.4%	$334.86	+5.8%	SHS	G29183103
AAPL	Apple Computer Inc	53,237 (-8.0%)	$14,473 (-1.8%)	3.6%	$100.07	+168.2%	COM	037833100
BIIB	Biogen Idec Inc	6,912 (-1.2%)	$1,216 (+24.1%)	0.3%	$163.65	-0.2%	COM	09062X103
VIG	Vanguard Dividend Appreciation Index ETF	2,866 (-28.4%)	$630 (-27.0%)	0.2%	$140.29	—	DIV APP ETF	921908844
PG	Procter & Gamble Co	18,566 (-1.0%)	$2,661 (-7.7%)	0.7%	$85.75	+71.6%	COM	742718109
AMT	American Tower REIT Inc	9,061 (-3.1%)	$1,591 (-11.6%)	0.4%	$96.65	+86.5%	COM	03027X100
FCX	Freeport-McMoran, Inc.	17,999 (-1.2%)	$914 (+27.9%)	0.2%	$38.53	+12.4%	CL B	35671D857
CSCO	Cisco Systems Inc	32,735 (-3.8%)	$2,522 (+8.3%)	0.6%	$47.94	+53.9%	COM	17275R102
PANW	Palo Alto Networks Inc Common	7,509 (-2.7%)	$1,383 (-12.0%)	0.3%	$138.69	+45.5%	COM	697435105
CARR	Carrier Global Corp	19,638 (-2.8%)	$1,038 (-13.9%)	0.3%	$67.32	-17.5%	COM	14448C104
MA	Mastercard Inc Class A	7,877 (-3.7%)	$4,497 (-3.3%)	1.1%	$272.20	+105.3%	CL A	57636Q104
GSK	GSK PLC ADR	39,595 (-4.7%)	$1,942 (+8.3%)	0.5%	$35.66	—	SPONSORED ADR	37733W204
MRSH	Marsh	6,509 (-3.3%)	$1,208 (-10.9%)	0.3%	$122.45	+52.2%	COM	571748102
CRM	Salesforce, Inc.	8,467 (-4.3%)	$2,243 (+6.9%)	0.6%	$127.30	+95.0%	COM	79466L302
BMY	Bristol Myers Squibb Co	19,051 (-2.8%)	$1,028 (+16.2%)	0.3%	$44.04	+7.9%	COM	110122108
VZ	Verizon Communications	15,240 (-8.4%)	$621 (-15.1%)	0.2%	$34.52	+17.3%	COM	92343V104
ICE	Intercontinental Exchange Inc Common	8,324 (-3.3%)	$1,348 (-7.1%)	0.3%	$60.41	+158.6%	COM	45866F104
SLB	SLB Limited	34,819 (-3.9%)	$1,336 (+7.3%)	0.3%	$37.56	-4.0%	COM STK	806857108
ADBE	Adobe Systems Inc	3,840 (-5.5%)	$1,344 (-6.3%)	0.3%	$519.53	-34.5%	COM	00724F101
ACN	Accenture PLC	5,588 (-2.4%)	$1,499 (+6.2%)	0.4%	$337.09	-24.6%	SHS CLASS A	G1151C101
AMZN	Amazon Communications Inc	37,712 (-5.7%)	$8,705 (-0.9%)	2.2%	$138.84	+64.8%	COM	023135106
PFE	Pfizer Inc	47,977 (-3.6%)	$1,195 (-5.8%)	0.3%	$24.75	+1.1%	COM	717081103
TJX	Tjx Companies (New)	16,856 (-3.4%)	$2,589 (+2.6%)	0.6%	$44.58	+231.3%	COM	872540109
XOM	Exxon Mobil Corp	26,338 (-4.4%)	$3,170 (+2.0%)	0.8%	$54.37	+112.4%	COM	30231G102
COR	Cencora, Inc.	7,045 (-5.4%)	$2,379 (+2.2%)	0.6%	$141.35	+141.0%	COM	03073E105
DIS	Disney Walt Co	12,788 (-2.6%)	$1,455 (-3.3%)	0.4%	$97.32	+12.5%	COM	254687106
GOOGL	Alphabet Inc Class A	890 (-7.8%)	$279 (+18.7%)	0.1%	$209.20	+36.5%	CAP STK CL A	02079K305
CVX	Chevron Corp	7,716 (-1.6%)	$1,176 (-3.4%)	0.3%	$87.76	+72.5%	COM	166764100
BRK/B	Berkshire Hathaway Inc Class B New	1,456 (-4.5%)	$732 (-4.5%)	0.2%	$303.16	+64.1%	CL B NEW	084670702
DGX	Quest Diagnostics Inc	1,550 (-1.5%)	$269 (-10.3%)	0.1%	$148.13	+22.9%	COM	74834L100
NEE	Nextera Energy Inc	17,340 (-4.2%)	$1,392 (+1.9%)	0.3%	$64.16	+28.6%	COM	65339F101
MCD	McDonalds Corp	3,090 (-2.6%)	$944 (-2.1%)	0.2%	$82.48	+269.9%	COM	580135101
LOW	Lowes Cos Inc	1,105 (-1.9%)	$266 (-5.8%)	0.1%	$182.78	+31.2%	COM	548661107
SCHW	Charles Schwab Corp	21,271 (-3.7%)	$2,125 (+0.7%)	0.5%	$68.32	+38.7%	COM	808513105
KO	Coca Cola Co	23,393 (-4.3%)	$1,635 (+0.8%)	0.4%	$37.38	+85.6%	COM	191216100
GWW	W W Grainger Inc	245 (-8.2%)	$247 (-2.8%)	0.1%	$271.91	+256.3%	COM	384802104
BNDC	FlexShares Core Select Bond Fund ETF	10,418 (-1.4%)	$233 (-2.0%)	0.1%	$22.27	—	CRE SLCT BD FD	33939L670
CVS	CVS Health Corporation	26,828 (-5.1%)	$2,129 (-0.1%)	0.5%	$56.11	+40.2%	COM	126650100

Unchanged Positions (24)

ORCL Oracle Corp 0.7%

Value ($000) $2,827 Shares 14,504 Est. Cost $85.25 Unrealized +179.2%

AMD Advanced Micro Devices Inc 0.8%

Value ($000) $3,400 Shares 15,877 Est. Cost $123.39 Unrealized +82.0%

META Meta Platforms Inc 1.4%

Value ($000) $5,796 Shares 8,780 Est. Cost $180.26 Unrealized +270.2%

IGE iShares North American Natural Resources ETF 6.1%

Value ($000) $24,725 Shares 492,536 Est. Cost $43.07 Unrealized —

CZFS Citizens Financial Services Inc 1.7%

Value ($000) $6,675 Shares 117,063 Est. Cost $59.23 Unrealized -4.5%

IJH iShares S&P MidCap 400 Index Fd 4.2%

Value ($000) $17,072 Shares 258,672 Est. Cost $67.69 Unrealized —

JNJ Johnson & Johnson 0.4%

Value ($000) $1,696 Shares 8,196 Est. Cost $140.20 Unrealized +40.5%

ROP Roper Industries Inc New 0.1%

Value ($000) $496 Shares 1,115 Est. Cost $223.58 Unrealized +106.7%

T AT&T Inc 0.1%

Value ($000) $423 Shares 17,037 Est. Cost $15.44 Unrealized +63.8%

CMI Cummins Inc 0.1%

Value ($000) $306 Shares 600 Est. Cost $380.68 Unrealized +22.5%

NFG National Fuel Gas Co N J 0.1%

Value ($000) $321 Shares 4,012 Est. Cost $49.65 Unrealized +66.0%

DIA SPDR Dow Jones Industrial Average ETF Trust 0.3%

Value ($000) $1,222 Shares 2,543 Est. Cost $267.97 Unrealized —

AVUS Avantis US Equity ETF 0.4%

Value ($000) $1,546 Shares 13,829 Est. Cost $86.08 Unrealized —

IBM International Business Machines 0.2%

Value ($000) $839 Shares 2,832 Est. Cost $109.53 Unrealized +172.8%

DFIC DFA Dimensional International Core Equity 2 ETF 0.1%

Value ($000) $597 Shares 17,326 Est. Cost $26.74 Unrealized —

ROK Rockwell Automation Inc Common 0.1%

Value ($000) $259 Shares 666 Est. Cost $282.18 Unrealized +33.0%

UNP Union Pacific Corp 0.3%

Value ($000) $1,167 Shares 5,044 Est. Cost $86.78 Unrealized +161.9%

AVEM Avantis Emerging Markets Equity ETF 0.2%

Value ($000) $781 Shares 10,143 Est. Cost $64.84 Unrealized —

SPTL State Street SPDR Portfolio Long Term Treasury ETF 0.2%

Value ($000) $805 Shares 30,396 Est. Cost $36.42 Unrealized —

VNQ Vanguard REIT Index ETF 0.1%

Value ($000) $237 Shares 2,683 Est. Cost $91.42 Unrealized —

VT Vanguard Total World Stock Index Fund ETF 0.1%

Value ($000) $282 Shares 2,000 Est. Cost $102.88 Unrealized —

DE Deere & Co 0.1%

Value ($000) $410 Shares 880 Est. Cost $162.09 Unrealized +188.5%

VTEB Vanguard Tax-Exempt Bond Index ETF 0.1%

Value ($000) $226 Shares 4,503 Est. Cost $51.06 Unrealized —

SUB iShares Short-Term National Muni Bond ETF 0.2%

Value ($000) $633 Shares 5,929 Est. Cost $105.43 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
ORCL	Oracle Corp	14,504	$2,827	0.7%	$85.25	+179.2%	COM	68389X105
AMD	Advanced Micro Devices Inc	15,877	$3,400	0.8%	$123.39	+82.0%	COM	007903107
META	Meta Platforms Inc	8,780	$5,796	1.4%	$180.26	+270.2%	CL A	30303M102
IGE	iShares North American Natural Resources ETF	492,536	$24,725	6.1%	$43.07	—	NORTH AMERN NAT	464287374
CZFS	Citizens Financial Services Inc	117,063	$6,675	1.7%	$59.23	-4.5%	COM	174615104
IJH	iShares S&P MidCap 400 Index Fd	258,672	$17,072	4.2%	$67.69	—	CORE S&P MCP ETF	464287507
JNJ	Johnson & Johnson	8,196	$1,696	0.4%	$140.20	+40.5%	COM	478160104
ROP	Roper Industries Inc New	1,115	$496	0.1%	$223.58	+106.7%	COM	776696106
T	AT&T Inc	17,037	$423	0.1%	$15.44	+63.8%	COM	00206R102
CMI	Cummins Inc	600	$306	0.1%	$380.68	+22.5%	COM	231021106
NFG	National Fuel Gas Co N J	4,012	$321	0.1%	$49.65	+66.0%	COM	636180101
DIA	SPDR Dow Jones Industrial Average ETF Trust	2,543	$1,222	0.3%	$267.97	—	UT SER 1	78467X109
AVUS	Avantis US Equity ETF	13,829	$1,546	0.4%	$86.08	—	US EQT ETF	025072885
IBM	International Business Machines	2,832	$839	0.2%	$109.53	+172.8%	COM	459200101
DFIC	DFA Dimensional International Core Equity 2 ETF	17,326	$597	0.1%	$26.74	—	INTL CORE EQUITY	25434V799
ROK	Rockwell Automation Inc Common	666	$259	0.1%	$282.18	+33.0%	COM	773903109
UNP	Union Pacific Corp	5,044	$1,167	0.3%	$86.78	+161.9%	COM	907818108
AVEM	Avantis Emerging Markets Equity ETF	10,143	$781	0.2%	$64.84	—	AVANTIS EMGMKT	025072604
SPTL	State Street SPDR Portfolio Long Term Treasury ETF	30,396	$805	0.2%	$36.42	—	PORTFOLIO LN TSR	78464A664
VNQ	Vanguard REIT Index ETF	2,683	$237	0.1%	$91.42	—	REAL ESTATE ETF	922908553
VT	Vanguard Total World Stock Index Fund ETF	2,000	$282	0.1%	$102.88	—	TT WRLD ST ETF	922042742
DE	Deere & Co	880	$410	0.1%	$162.09	+188.5%	COM	244199105
VTEB	Vanguard Tax-Exempt Bond Index ETF	4,503	$226	0.1%	$51.06	—	TAX EXEMPT BD	922907746
SUB	iShares Short-Term National Muni Bond ETF	5,929	$633	0.2%	$105.43	—	SHRT NAT MUN ETF	464288158