Strategic Financial Services, Inc, Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VGSH	VANGUARD SCOTTSDALE FDS	533,529	$31,345	1.4%	$58.75	—	SHORT TERM TREAS	92206C102
CMF	ISHARES TR	17,880	$1,036	0.0%	$57.93	—	CALIF MUN BD ETF	464288356
BA	BOEING CO	1,160	$282	0.0%	$205.66	0.0%	COM	097023105
BK	BANK NEW YORK MELLON CORP	1,842	$229	0.0%	$110.50	0.0%	COM	064058100
NBTB	NBT BANCORP INC	4,700	$219	0.0%	$41.57	0.0%	COM	628778102
INTC	INTEL CORP	4,289	$217	0.0%	$37.76	0.0%	COM	458140100
PPG	PPG INDS INC	1,674	$212	0.0%	$100.11	0.0%	COM	693506107
BAC	BANK AMERICA CORP	3,597	$203	0.0%	$52.67	0.0%	COM	060505104

Increased Positions (29)

INTF ISHARES TR 16.3%

Value ($000) $352,297 (+14.1%) Shares 8,690,116 (+1.1%) Est. Cost $25.81 Unrealized —

SMLF ISHARES TR 14.0%

Value ($000) $302,962 (+8.8%) Shares 3,810,840 (+1.8%) Est. Cost $41.73 Unrealized —

VGIT VANGUARD SCOTTSDALE FDS 7.3%

Value ($000) $158,923 (+13.5%) Shares 2,653,141 (+13.7%) Est. Cost $58.49 Unrealized —

LRGF ISHARES TR 12.6%

Value ($000) $272,788 (+3.7%) Shares 3,912,625 (+2.7%) Est. Cost $34.53 Unrealized —

VCSH VANGUARD SCOTTSDALE FDS 4.3%

Value ($000) $93,182 (+10.3%) Shares 1,166,674 (+10.4%) Est. Cost $80.08 Unrealized —

VFMO VANGUARD WELLINGTON FD 2.7%

Value ($000) $58,496 (+8.9%) Shares 284,153 (+1.4%) Est. Cost $95.90 Unrealized —

EUSA ISHARES INC 1.9%

Value ($000) $40,420 (+11.9%) Shares 376,631 (+7.3%) Est. Cost $96.16 Unrealized —

VGLT VANGUARD SCOTTSDALE FDS 3.3%

Value ($000) $71,206 (+5.6%) Shares 1,273,353 (+7.4%) Est. Cost $60.13 Unrealized —

VCIT VANGUARD SCOTTSDALE FDS 3.3%

Value ($000) $71,624 (+4.0%) Shares 853,990 (+4.3%) Est. Cost $80.90 Unrealized —

VTIP VANGUARD MALVERN FDS 1.9%

Value ($000) $41,209 (+4.7%) Shares 829,148 (+6.6%) Est. Cost $48.64 Unrealized —

GEV GE VERNOVA INC 0.1%

Value ($000) $2,452 (+73.6%) Shares 3,146 (+37.0%) Est. Cost $419.65 Unrealized +45.1%

AVGO BROADCOM INC 0.1%

Value ($000) $1,410 (+145.0%) Shares 4,234 (+142.8%) Est. Cost $300.16 Unrealized +18.9%

VWOB VANGUARD WHITEHALL FDS 0.7%

Value ($000) $14,925 (+5.4%) Shares 220,844 (+4.3%) Est. Cost $66.76 Unrealized —

GE GE AEROSPACE 0.2%

Value ($000) $3,999 (+21.2%) Shares 12,458 (+13.6%) Est. Cost $191.94 Unrealized +56.7%

SUB ISHARES TR 0.1%

Value ($000) $1,256 (+84.0%) Shares 11,713 (+83.2%) Est. Cost $106.51 Unrealized —

GLW CORNING INC 0.0%

Value ($000) $502 (+74.4%) Shares 4,111 (+17.1%) Est. Cost $68.04 Unrealized +26.4%

VTI VANGUARD INDEX FDS 0.1%

Value ($000) $2,932 (+6.8%) Shares 8,598 (+2.8%) Est. Cost $137.20 Unrealized —

MTUM ISHARES TR 2.6%

Value ($000) $56,404 (+0.3%) Shares 222,511 (+1.5%) Est. Cost $178.46 Unrealized —

IBM INTERNATIONAL BUSINESS MACHS 0.1%

Value ($000) $1,306 (+16.2%) Shares 4,369 (+9.7%) Est. Cost $126.81 Unrealized +135.6%

VTEB VANGUARD MUN BD FDS 0.1%

Value ($000) $1,502 (+10.4%) Shares 29,650 (+9.2%) Est. Cost $50.37 Unrealized —

MCD MCDONALDS CORP 0.0%

Value ($000) $713 (+21.4%) Shares 2,178 (+12.7%) Est. Cost $286.27 Unrealized +6.6%

VIG VANGUARD SPECIALIZED FUNDS 0.1%

Value ($000) $1,253 (+10.8%) Shares 5,458 (+4.1%) Est. Cost $91.90 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 0.0%

Value ($000) $372 (+34.6%) Shares 4,700 (+21.4%) Est. Cost $56.42 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 0.0%

Value ($000) $751 (+13.9%) Shares 13,122 (+7.8%) Est. Cost $41.26 Unrealized —

VBR VANGUARD INDEX FDS 0.0%

Value ($000) $326 (+34.1%) Shares 1,405 (+20.6%) Est. Cost $191.04 Unrealized —

VBK VANGUARD INDEX FDS 0.0%

Value ($000) $445 (+20.5%) Shares 1,408 (+13.4%) Est. Cost $213.95 Unrealized —

EMB ISHARES TR 0.0%

Value ($000) $429 (+3.6%) Shares 4,436 (+2.0%) Est. Cost $91.31 Unrealized —

VUG VANGUARD INDEX FDS 0.1%

Value ($000) $1,177 (+1.2%) Shares 2,512 (+3.5%) Est. Cost $264.81 Unrealized —

VOT VANGUARD INDEX FDS 0.0%

Value ($000) $707 (+1.9%) Shares 2,582 (+9.3%) Est. Cost $181.73 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
INTF	ISHARES TR	8,690,116 (+1.1%)	$352,297 (+14.1%)	16.3%	$25.81	—	INTL EQTY FACTOR	46434V274
SMLF	ISHARES TR	3,810,840 (+1.8%)	$302,962 (+8.8%)	14.0%	$41.73	—	US SML CAP EQT	46434V290
VGIT	VANGUARD SCOTTSDALE FDS	2,653,141 (+13.7%)	$158,923 (+13.5%)	7.3%	$58.49	—	INTER TERM TREAS	92206C706
LRGF	ISHARES TR	3,912,625 (+2.7%)	$272,788 (+3.7%)	12.6%	$34.53	—	U S EQUITY FACTR	46434V282
VCSH	VANGUARD SCOTTSDALE FDS	1,166,674 (+10.4%)	$93,182 (+10.3%)	4.3%	$80.08	—	SHRT TRM CORP BD	92206C409
VFMO	VANGUARD WELLINGTON FD	284,153 (+1.4%)	$58,496 (+8.9%)	2.7%	$95.90	—	US MOMENTUM	921935508
EUSA	ISHARES INC	376,631 (+7.3%)	$40,420 (+11.9%)	1.9%	$96.16	—	MSCI EQUAL WEITE	464286681
VGLT	VANGUARD SCOTTSDALE FDS	1,273,353 (+7.4%)	$71,206 (+5.6%)	3.3%	$60.13	—	LONG TERM TREAS	92206C847
VCIT	VANGUARD SCOTTSDALE FDS	853,990 (+4.3%)	$71,624 (+4.0%)	3.3%	$80.90	—	INT-TERM CORP	92206C870
VTIP	VANGUARD MALVERN FDS	829,148 (+6.6%)	$41,209 (+4.7%)	1.9%	$48.64	—	STRM INFPROIDX	922020805
GEV	GE VERNOVA INC	3,146 (+37.0%)	$2,452 (+73.6%)	0.1%	$419.65	+45.1%	COM	36828A101
AVGO	BROADCOM INC	4,234 (+142.8%)	$1,410 (+145.0%)	0.1%	$300.16	+18.9%	COM	11135F101
VWOB	VANGUARD WHITEHALL FDS	220,844 (+4.3%)	$14,925 (+5.4%)	0.7%	$66.76	—	EM MK GOV BD ETF	921946885
GE	GE AEROSPACE	12,458 (+13.6%)	$3,999 (+21.2%)	0.2%	$191.94	+56.7%	COM NEW	369604301
SUB	ISHARES TR	11,713 (+83.2%)	$1,256 (+84.0%)	0.1%	$106.51	—	SHRT NAT MUN ETF	464288158
GLW	CORNING INC	4,111 (+17.1%)	$502 (+74.4%)	0.0%	$68.04	+26.4%	COM	219350105
VTI	VANGUARD INDEX FDS	8,598 (+2.8%)	$2,932 (+6.8%)	0.1%	$137.20	—	TOTAL STK MKT	922908769
MTUM	ISHARES TR	222,511 (+1.5%)	$56,404 (+0.3%)	2.6%	$178.46	—	MSCI USA MMENTM	46432F396
IBM	INTERNATIONAL BUSINESS MACHS	4,369 (+9.7%)	$1,306 (+16.2%)	0.1%	$126.81	+135.6%	COM	459200101
VTEB	VANGUARD MUN BD FDS	29,650 (+9.2%)	$1,502 (+10.4%)	0.1%	$50.37	—	TAX EXEMPT BD	922907746
MCD	MCDONALDS CORP	2,178 (+12.7%)	$713 (+21.4%)	0.0%	$286.27	+6.6%	COM	580135101
VIG	VANGUARD SPECIALIZED FUNDS	5,458 (+4.1%)	$1,253 (+10.8%)	0.1%	$91.90	—	DIV APP ETF	921908844
VEU	VANGUARD INTL EQUITY INDEX F	4,700 (+21.4%)	$372 (+34.6%)	0.0%	$56.42	—	ALLWRLD EX US	922042775
VWO	VANGUARD INTL EQUITY INDEX F	13,122 (+7.8%)	$751 (+13.9%)	0.0%	$41.26	—	FTSE EMR MKT ETF	922042858
VBR	VANGUARD INDEX FDS	1,405 (+20.6%)	$326 (+34.1%)	0.0%	$191.04	—	SM CP VAL ETF	922908611
VBK	VANGUARD INDEX FDS	1,408 (+13.4%)	$445 (+20.5%)	0.0%	$213.95	—	SML CP GRW ETF	922908595
EMB	ISHARES TR	4,436 (+2.0%)	$429 (+3.6%)	0.0%	$91.31	—	JPMORGAN USD EMG	464288281
VUG	VANGUARD INDEX FDS	2,512 (+3.5%)	$1,177 (+1.2%)	0.1%	$264.81	—	GROWTH ETF	922908736
VOT	VANGUARD INDEX FDS	2,582 (+9.3%)	$707 (+1.9%)	0.0%	$181.73	—	MCAP GR IDXVIP	922908538

Exited Positions (6)

WFC WELLS FARGO CO NEW 0.0%

Value ($000) $287 Shares 3,419 Est. Cost $67.36 Unrealized +28.6%

PLTR PALANTIR TECHNOLOGIES INC 0.0%

Value ($000) $265 Shares 1,450 Est. Cost $117.28 Unrealized +54.4%

NFLX NETFLIX INC 0.0%

Value ($000) $264 Shares 220 Est. Cost $95.10 Unrealized +13.4%

COIN COINBASE GLOBAL INC 0.0%

Value ($000) $228 Shares 676 Est. Cost $233.78 Unrealized +27.5%

COF CAPITAL ONE FINL CORP 0.0%

Value ($000) $213 Shares 1,003 Est. Cost $185.37 Unrealized +19.9%

CMG CHIPOTLE MEXICAN GRILL INC 0.0%

Value ($000) $206 Shares 5,250 Est. Cost $60.92 Unrealized -40.6%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
WFC	WELLS FARGO CO NEW	3,419	$287	0.0%	$67.36	+28.6%	—	949746101
PLTR	PALANTIR TECHNOLOGIES INC	1,450	$265	0.0%	$117.28	+54.4%	—	69608A108
NFLX	NETFLIX INC	220	$264	0.0%	$95.10	+13.4%	—	64110L106
COIN	COINBASE GLOBAL INC	676	$228	0.0%	$233.78	+27.5%	—	19260Q107
COF	CAPITAL ONE FINL CORP	1,003	$213	0.0%	$185.37	+19.9%	—	14040H105
CMG	CHIPOTLE MEXICAN GRILL INC	5,250	$206	0.0%	$60.92	-40.6%	—	169656105

Decreased Positions (61)

GLDM WORLD GOLD TR 4.2%

Value ($000) $90,352 (-15.5%) Shares 921,392 (-34.1%) Est. Cost $39.43 Unrealized —

GLD SPDR GOLD TR 0.2%

Value ($000) $5,386 (-45.4%) Shares 11,826 (-57.4%) Est. Cost $117.44 Unrealized —

XBI SPDR SERIES TRUST 1.5%

Value ($000) $32,749 (+14.6%) Shares 260,924 (-8.5%) Est. Cost $84.26 Unrealized —

LRCX LAM RESEARCH CORP 0.4%

Value ($000) $8,719 (+68.6%) Shares 37,744 (-2.3%) Est. Cost $74.98 Unrealized +107.2%

ORCL ORACLE CORP 0.2%

Value ($000) $3,417 (-50.3%) Shares 23,925 (-2.1%) Est. Cost $31.32 Unrealized +660.0%

GSIE GOLDMAN SACHS ETF TR 1.9%

Value ($000) $41,095 (+7.7%) Shares 903,394 (-2.6%) Est. Cost $28.32 Unrealized —

GOOG ALPHABET INC 0.5%

Value ($000) $10,997 (+29.3%) Shares 34,035 (-2.5%) Est. Cost $112.96 Unrealized +153.5%

MSFT MICROSOFT CORP 0.3%

Value ($000) $6,653 (-24.9%) Shares 16,585 (-3.1%) Est. Cost $70.45 Unrealized +610.5%

KLAC KLA CORP 0.3%

Value ($000) $7,148 (+31.2%) Shares 4,954 (-1.9%) Est. Cost $84.38 Unrealized +1288.9%

MCK MCKESSON CORP 0.3%

Value ($000) $6,442 (+21.2%) Shares 6,790 (-1.3%) Est. Cost $116.55 Unrealized +599.8%

AAPL APPLE INC 0.9%

Value ($000) $18,941 (+3.9%) Shares 68,104 (-4.9%) Est. Cost $84.90 Unrealized +216.1%

QCOM QUALCOMM INC 0.1%

Value ($000) $2,114 (-24.9%) Shares 15,390 (-9.1%) Est. Cost $56.39 Unrealized +202.9%

MRK MERCK & CO INC 0.1%

Value ($000) $2,317 (+43.0%) Shares 19,006 (-1.6%) Est. Cost $42.20 Unrealized +120.9%

UNH UNITEDHEALTH GROUP INC 0.0%

Value ($000) $802 (-46.1%) Shares 2,900 (-32.8%) Est. Cost $61.94 Unrealized +444.4%

XOM EXXON MOBIL CORP 0.1%

Value ($000) $2,993 (+28.4%) Shares 20,080 (-2.8%) Est. Cost $55.42 Unrealized +108.4%

GEM GOLDMAN SACHS ETF TR 0.5%

Value ($000) $10,264 (+6.4%) Shares 224,267 (-5.3%) Est. Cost $29.61 Unrealized —

GOOGL ALPHABET INC 0.1%

Value ($000) $2,747 (+27.3%) Shares 8,507 (-4.1%) Est. Cost $117.33 Unrealized +143.4%

BLK BLACKROCK INC 0.2%

Value ($000) $3,379 (-13.8%) Shares 3,199 (-4.9%) Est. Cost $991.05 Unrealized +9.9%

GVI ISHARES TR 1.4%

Value ($000) $29,420 (-1.7%) Shares 273,978 (-1.7%) Est. Cost $110.06 Unrealized —

BKNG BOOKING HOLDINGS INC 0.1%

Value ($000) $1,881 (-19.7%) Shares 422 (-2.8%) Est. Cost $1844.42 Unrealized +178.6%

MTB M & T BK CORP 0.1%

Value ($000) $3,239 (+15.9%) Shares 13,609 (-3.8%) Est. Cost $87.20 Unrealized +118.0%

TSLA TESLA INC 0.1%

Value ($000) $2,650 (-12.8%) Shares 6,447 (-5.7%) Est. Cost $225.09 Unrealized +96.9%

CSCO CISCO SYS INC 0.1%

Value ($000) $2,099 (+21.5%) Shares 24,749 (-2.0%) Est. Cost $24.28 Unrealized +204.0%

GSSC GOLDMAN SACHS ETF TR 0.4%

Value ($000) $7,986 (+4.7%) Shares 99,739 (-2.1%) Est. Cost $60.91 Unrealized —

V VISA INC 0.2%

Value ($000) $5,308 (-5.7%) Shares 16,007 (-2.9%) Est. Cost $80.81 Unrealized +321.2%

NEE NEXTERA ENERGY INC 0.1%

Value ($000) $2,878 (+11.4%) Shares 32,166 (-6.0%) Est. Cost $58.08 Unrealized +42.0%

ULTA ULTA BEAUTY INC 0.1%

Value ($000) $1,507 (+23.4%) Shares 2,183 (-2.3%) Est. Cost $193.62 Unrealized +183.9%

AMZN AMAZON COM INC 0.1%

Value ($000) $2,097 (-10.2%) Shares 9,972 (-6.2%) Est. Cost $142.13 Unrealized +61.0%

SBIO ALPS ETF TR 0.1%

Value ($000) $1,688 (+15.5%) Shares 33,103 (-11.9%) Est. Cost $30.50 Unrealized —

CNMD CONMED CORP 0.0%

Value ($000) $214 (-49.6%) Shares 5,154 (-42.9%) Est. Cost $83.25 Unrealized -47.7%

NXPI NXP SEMICONDUCTORS N V 0.1%

Value ($000) $1,481 (-11.4%) Shares 6,600 (-10.0%) Est. Cost $47.07 Unrealized +354.0%

COST COSTCO WHSL CORP NEW 0.1%

Value ($000) $2,986 (+6.8%) Shares 2,983 (-1.3%) Est. Cost $121.13 Unrealized +647.8%

JPM JPMORGAN CHASE & CO. 0.4%

Value ($000) $8,012 (-2.2%) Shares 24,850 (-4.3%) Est. Cost $55.80 Unrealized +454.7%

VXUS VANGUARD STAR FDS 0.1%

Value ($000) $2,085 (+9.2%) Shares 25,725 (-1.1%) Est. Cost $49.58 Unrealized —

NVDA NVIDIA CORPORATION 0.1%

Value ($000) $1,905 (-8.2%) Shares 10,276 (-7.6%) Est. Cost $98.13 Unrealized +89.7%

LLY ELI LILLY & CO 0.0%

Value ($000) $523 (+35.9%) Shares 494 (-2.0%) Est. Cost $790.93 Unrealized +20.8%

ELV ELEVANCE HEALTH INC FORMERLY 0.0%

Value ($000) $246 (-35.8%) Shares 725 (-38.8%) Est. Cost $107.00 Unrealized +214.7%

IWF ISHARES TR 0.0%

Value ($000) $1,072 (-10.9%) Shares 2,346 (-8.6%) Est. Cost $102.33 Unrealized —

SPY SPDR S&P 500 ETF TR 0.0%

Value ($000) $921 (-10.7%) Shares 1,333 (-13.9%) Est. Cost $392.58 Unrealized —

PSX PHILLIPS 66 0.0%

Value ($000) $924 (+13.3%) Shares 5,857 (-2.3%) Est. Cost $60.93 Unrealized +120.0%

ABT ABBOTT LABS 0.0%

Value ($000) $372 (-19.6%) Shares 3,358 (-2.9%) Est. Cost $85.89 Unrealized +48.2%

DIS DISNEY WALT CO 0.0%

Value ($000) $251 (-24.2%) Shares 2,305 (-20.2%) Est. Cost $79.56 Unrealized +37.7%

PEP PEPSICO INC 0.1%

Value ($000) $1,629 (+4.3%) Shares 9,553 (-14.1%) Est. Cost $67.04 Unrealized +117.6%

CBU COMMUNITY FINANCIAL SYSTEM I 0.0%

Value ($000) $577 (+11.6%) Shares 8,686 (-1.4%) Est. Cost $50.94 Unrealized +12.2%

BRK/B BERKSHIRE HATHAWAY INC DEL 0.1%

Value ($000) $2,215 (-2.4%) Shares 4,359 (-3.4%) Est. Cost $295.15 Unrealized +68.6%

GSLC GOLDMAN SACHS ETF TR 0.6%

Value ($000) $12,913 (+0.4%) Shares 96,907 (-1.9%) Est. Cost $88.90 Unrealized —

MDLZ MONDELEZ INTL INC 0.0%

Value ($000) $257 (-15.4%) Shares 4,287 (-11.9%) Est. Cost $26.38 Unrealized +116.3%

JMOM J P MORGAN EXCHANGE TRADED F 0.2%

Value ($000) $3,463 (+1.2%) Shares 49,099 (-2.6%) Est. Cost $48.97 Unrealized —

IEMG ISHARES INC 0.0%

Value ($000) $541 (+7.0%) Shares 7,340 (-4.2%) Est. Cost $50.54 Unrealized —

PG PROCTER AND GAMBLE CO 0.0%

Value ($000) $1,022 (-2.9%) Shares 6,421 (-6.3%) Est. Cost $87.82 Unrealized +67.6%

RTX RTX CORPORATION 0.0%

Value ($000) $487 (+5.7%) Shares 2,453 (-11.0%) Est. Cost $67.43 Unrealized +157.0%

HON HONEYWELL INTL INC 0.0%

Value ($000) $277 (+8.9%) Shares 1,160 (-3.8%) Est. Cost $85.36 Unrealized +128.5%

ITW ILLINOIS TOOL WKS INC 0.0%

Value ($000) $401 (+5.7%) Shares 1,367 (-6.1%) Est. Cost $215.18 Unrealized +15.1%

SO SOUTHERN CO 0.0%

Value ($000) $239 (-6.3%) Shares 2,655 (-1.4%) Est. Cost $71.79 Unrealized +26.6%

CVX CHEVRON CORP NEW 0.0%

Value ($000) $402 (-2.6%) Shares 2,221 (-16.4%) Est. Cost $79.45 Unrealized +90.6%

KO COCA COLA CO 0.0%

Value ($000) $456 (+2.4%) Shares 5,774 (-14.1%) Est. Cost $50.40 Unrealized +37.7%

HIG HARTFORD INSURANCE GROUP INC 0.0%

Value ($000) $295 (-3.4%) Shares 2,072 (-9.6%) Est. Cost $108.82 Unrealized +20.9%

VZ VERIZON COMMUNICATIONS INC 0.0%

Value ($000) $239 (+4.0%) Shares 5,154 (-1.3%) Est. Cost $31.92 Unrealized +26.8%

UNP UNION PAC CORP 0.0%

Value ($000) $215 (+2.2%) Shares 851 (-4.4%) Est. Cost $218.47 Unrealized +4.0%

VB VANGUARD INDEX FDS 0.0%

Value ($000) $446 (-0.5%) Shares 1,607 (-8.8%) Est. Cost $145.55 Unrealized —

SPYM SPDR SERIES TRUST 0.0%

Value ($000) $202 (-0.7%) Shares 2,485 (-4.3%) Est. Cost $78.34 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
GLDM	WORLD GOLD TR	921,392 (-34.1%)	$90,352 (-15.5%)	4.2%	$39.43	—	SPDR GLD MINIS	98149E303
GLD	SPDR GOLD TR	11,826 (-57.4%)	$5,386 (-45.4%)	0.2%	$117.44	—	GOLD SHS	78463V107
XBI	SPDR SERIES TRUST	260,924 (-8.5%)	$32,749 (+14.6%)	1.5%	$84.26	—	STATE STREET SPD	78464A870
LRCX	LAM RESEARCH CORP	37,744 (-2.3%)	$8,719 (+68.6%)	0.4%	$74.98	+107.2%	COM NEW	512807306
ORCL	ORACLE CORP	23,925 (-2.1%)	$3,417 (-50.3%)	0.2%	$31.32	+660.0%	COM	68389X105
GSIE	GOLDMAN SACHS ETF TR	903,394 (-2.6%)	$41,095 (+7.7%)	1.9%	$28.32	—	ACTIVEBETA INT	381430107
GOOG	ALPHABET INC	34,035 (-2.5%)	$10,997 (+29.3%)	0.5%	$112.96	+153.5%	CAP STK CL C	02079K107
MSFT	MICROSOFT CORP	16,585 (-3.1%)	$6,653 (-24.9%)	0.3%	$70.45	+610.5%	COM	594918104
KLAC	KLA CORP	4,954 (-1.9%)	$7,148 (+31.2%)	0.3%	$84.38	+1288.9%	COM NEW	482480100
MCK	MCKESSON CORP	6,790 (-1.3%)	$6,442 (+21.2%)	0.3%	$116.55	+599.8%	COM	58155Q103
AAPL	APPLE INC	68,104 (-4.9%)	$18,941 (+3.9%)	0.9%	$84.90	+216.1%	COM	037833100
QCOM	QUALCOMM INC	15,390 (-9.1%)	$2,114 (-24.9%)	0.1%	$56.39	+202.9%	COM	747525103
MRK	MERCK & CO INC	19,006 (-1.6%)	$2,317 (+43.0%)	0.1%	$42.20	+120.9%	COM	58933Y105
UNH	UNITEDHEALTH GROUP INC	2,900 (-32.8%)	$802 (-46.1%)	0.0%	$61.94	+444.4%	COM	91324P102
XOM	EXXON MOBIL CORP	20,080 (-2.8%)	$2,993 (+28.4%)	0.1%	$55.42	+108.4%	COM	30231G102
GEM	GOLDMAN SACHS ETF TR	224,267 (-5.3%)	$10,264 (+6.4%)	0.5%	$29.61	—	ACTIVEBETA EME	381430206
GOOGL	ALPHABET INC	8,507 (-4.1%)	$2,747 (+27.3%)	0.1%	$117.33	+143.4%	CAP STK CL A	02079K305
BLK	BLACKROCK INC	3,199 (-4.9%)	$3,379 (-13.8%)	0.2%	$991.05	+9.9%	COM	09290D101
GVI	ISHARES TR	273,978 (-1.7%)	$29,420 (-1.7%)	1.4%	$110.06	—	INTRM GOV CR ETF	464288612
BKNG	BOOKING HOLDINGS INC	422 (-2.8%)	$1,881 (-19.7%)	0.1%	$1844.42	+178.6%	COM	09857L108
MTB	M & T BK CORP	13,609 (-3.8%)	$3,239 (+15.9%)	0.1%	$87.20	+118.0%	COM	55261F104
TSLA	TESLA INC	6,447 (-5.7%)	$2,650 (-12.8%)	0.1%	$225.09	+96.9%	COM	88160R101
CSCO	CISCO SYS INC	24,749 (-2.0%)	$2,099 (+21.5%)	0.1%	$24.28	+204.0%	COM	17275R102
GSSC	GOLDMAN SACHS ETF TR	99,739 (-2.1%)	$7,986 (+4.7%)	0.4%	$60.91	—	ACTIVEBETA US	381430602
V	VISA INC	16,007 (-2.9%)	$5,308 (-5.7%)	0.2%	$80.81	+321.2%	COM CL A	92826C839
NEE	NEXTERA ENERGY INC	32,166 (-6.0%)	$2,878 (+11.4%)	0.1%	$58.08	+42.0%	COM	65339F101
ULTA	ULTA BEAUTY INC	2,183 (-2.3%)	$1,507 (+23.4%)	0.1%	$193.62	+183.9%	COM	90384S303
AMZN	AMAZON COM INC	9,972 (-6.2%)	$2,097 (-10.2%)	0.1%	$142.13	+61.0%	COM	023135106
SBIO	ALPS ETF TR	33,103 (-11.9%)	$1,688 (+15.5%)	0.1%	$30.50	—	MED BREAKTHGH	00162Q593
CNMD	CONMED CORP	5,154 (-42.9%)	$214 (-49.6%)	0.0%	$83.25	-47.7%	COM	207410101
NXPI	NXP SEMICONDUCTORS N V	6,600 (-10.0%)	$1,481 (-11.4%)	0.1%	$47.07	+354.0%	COM	N6596X109
COST	COSTCO WHSL CORP NEW	2,983 (-1.3%)	$2,986 (+6.8%)	0.1%	$121.13	+647.8%	COM	22160K105
JPM	JPMORGAN CHASE & CO.	24,850 (-4.3%)	$8,012 (-2.2%)	0.4%	$55.80	+454.7%	COM	46625H100
VXUS	VANGUARD STAR FDS	25,725 (-1.1%)	$2,085 (+9.2%)	0.1%	$49.58	—	VG TL INTL STK F	921909768
NVDA	NVIDIA CORPORATION	10,276 (-7.6%)	$1,905 (-8.2%)	0.1%	$98.13	+89.7%	COM	67066G104
LLY	ELI LILLY & CO	494 (-2.0%)	$523 (+35.9%)	0.0%	$790.93	+20.8%	COM	532457108
ELV	ELEVANCE HEALTH INC FORMERLY	725 (-38.8%)	$246 (-35.8%)	0.0%	$107.00	+214.7%	COM	036752103
IWF	ISHARES TR	2,346 (-8.6%)	$1,072 (-10.9%)	0.0%	$102.33	—	RUS 1000 GRW ETF	464287614
SPY	SPDR S&P 500 ETF TR	1,333 (-13.9%)	$921 (-10.7%)	0.0%	$392.58	—	TR UNIT	78462F103
PSX	PHILLIPS 66	5,857 (-2.3%)	$924 (+13.3%)	0.0%	$60.93	+120.0%	COM	718546104
ABT	ABBOTT LABS	3,358 (-2.9%)	$372 (-19.6%)	0.0%	$85.89	+48.2%	COM	002824100
DIS	DISNEY WALT CO	2,305 (-20.2%)	$251 (-24.2%)	0.0%	$79.56	+37.7%	COM	254687106
PEP	PEPSICO INC	9,553 (-14.1%)	$1,629 (+4.3%)	0.1%	$67.04	+117.6%	COM	713448108
CBU	COMMUNITY FINANCIAL SYSTEM I	8,686 (-1.4%)	$577 (+11.6%)	0.0%	$50.94	+12.2%	COM	203607106
BRK/B	BERKSHIRE HATHAWAY INC DEL	4,359 (-3.4%)	$2,215 (-2.4%)	0.1%	$295.15	+68.6%	CL B NEW	084670702
GSLC	GOLDMAN SACHS ETF TR	96,907 (-1.9%)	$12,913 (+0.4%)	0.6%	$88.90	—	ACTIVEBETA US LG	381430503
MDLZ	MONDELEZ INTL INC	4,287 (-11.9%)	$257 (-15.4%)	0.0%	$26.38	+116.3%	CL A	609207105
JMOM	J P MORGAN EXCHANGE TRADED F	49,099 (-2.6%)	$3,463 (+1.2%)	0.2%	$48.97	—	US MOMENTUM	46641Q779
IEMG	ISHARES INC	7,340 (-4.2%)	$541 (+7.0%)	0.0%	$50.54	—	CORE MSCI EMKT	46434G103
PG	PROCTER AND GAMBLE CO	6,421 (-6.3%)	$1,022 (-2.9%)	0.0%	$87.82	+67.6%	COM	742718109
RTX	RTX CORPORATION	2,453 (-11.0%)	$487 (+5.7%)	0.0%	$67.43	+157.0%	COM	75513E101
HON	HONEYWELL INTL INC	1,160 (-3.8%)	$277 (+8.9%)	0.0%	$85.36	+128.5%	COM	438516106
ITW	ILLINOIS TOOL WKS INC	1,367 (-6.1%)	$401 (+5.7%)	0.0%	$215.18	+15.1%	COM	452308109
SO	SOUTHERN CO	2,655 (-1.4%)	$239 (-6.3%)	0.0%	$71.79	+26.6%	COM	842587107
CVX	CHEVRON CORP NEW	2,221 (-16.4%)	$402 (-2.6%)	0.0%	$79.45	+90.6%	COM	166764100
KO	COCA COLA CO	5,774 (-14.1%)	$456 (+2.4%)	0.0%	$50.40	+37.7%	COM	191216100
HIG	HARTFORD INSURANCE GROUP INC	2,072 (-9.6%)	$295 (-3.4%)	0.0%	$108.82	+20.9%	COM	416515104
VZ	VERIZON COMMUNICATIONS INC	5,154 (-1.3%)	$239 (+4.0%)	0.0%	$31.92	+26.8%	COM	92343V104
UNP	UNION PAC CORP	851 (-4.4%)	$215 (+2.2%)	0.0%	$218.47	+4.0%	COM	907818108
VB	VANGUARD INDEX FDS	1,607 (-8.8%)	$446 (-0.5%)	0.0%	$145.55	—	SMALL CP ETF	922908751
SPYM	SPDR SERIES TRUST	2,485 (-4.3%)	$202 (-0.7%)	0.0%	$78.34	—	STATE STREET SPD	78464A854

Unchanged Positions (46)

EMGF ISHARES INC 5.5%

Value ($000) $120,060 Shares 1,888,930 Est. Cost $40.14 Unrealized —

DFIV DIMENSIONAL ETF TRUST 2.1%

Value ($000) $45,998 Shares 843,698 Est. Cost $32.71 Unrealized —

SIZE ISHARES TR 0.8%

Value ($000) $17,171 Shares 102,077 Est. Cost $154.54 Unrealized —

JNJ JOHNSON & JOHNSON 0.1%

Value ($000) $2,159 Shares 8,995 Est. Cost $82.08 Unrealized +140.0%

DE DEERE & CO 0.0%

Value ($000) $881 Shares 1,511 Est. Cost $70.48 Unrealized +563.6%

WMT WALMART INC 0.0%

Value ($000) $880 Shares 6,710 Est. Cost $64.27 Unrealized +66.8%

ADP AUTOMATIC DATA PROCESSING IN 0.0%

Value ($000) $584 Shares 2,523 Est. Cost $132.96 Unrealized +99.2%

ASML ASML HOLDING N V 0.0%

Value ($000) $485 Shares 343 Est. Cost $970.47 Unrealized —

TJX TJX COS INC NEW 0.1%

Value ($000) $2,082 Shares 13,358 Est. Cost $41.78 Unrealized +253.6%

CAT CATERPILLAR INC 0.0%

Value ($000) $409 Shares 563 Est. Cost $337.72 Unrealized +64.5%

GS GOLDMAN SACHS GROUP INC 0.0%

Value ($000) $961 Shares 1,035 Est. Cost $319.18 Unrealized +154.8%

VTWO VANGUARD SCOTTSDALE FDS 0.1%

Value ($000) $1,503 Shares 14,035 Est. Cost $85.00 Unrealized —

NWFL NORWOOD FINANCIAL CORP 0.0%

Value ($000) $633 Shares 19,846 Est. Cost $26.41 Unrealized +3.2%

VEA VANGUARD TAX-MANAGED FDS 0.0%

Value ($000) $1,034 Shares 15,355 Est. Cost $41.64 Unrealized —

MS MORGAN STANLEY 0.0%

Value ($000) $922 Shares 5,125 Est. Cost $40.64 Unrealized +309.6%

META META PLATFORMS INC 0.0%

Value ($000) $924 Shares 1,397 Est. Cost $417.81 Unrealized +59.7%

CB CHUBB LIMITED 0.0%

Value ($000) $679 Shares 2,053 Est. Cost $254.85 Unrealized +14.7%

TMP TOMPKINS FINL CORP 0.0%

Value ($000) $430 Shares 5,095 Est. Cost $61.01 Unrealized +11.0%

VLUE ISHARES TR 0.0%

Value ($000) $515 Shares 3,390 Est. Cost $86.87 Unrealized —

DFAT DIMENSIONAL ETF TRUST 0.0%

Value ($000) $711 Shares 10,658 Est. Cost $44.80 Unrealized —

SCHW SCHWAB CHARLES CORP 0.0%

Value ($000) $651 Shares 6,199 Est. Cost $72.33 Unrealized +31.0%

CSX CSX CORP 0.0%

Value ($000) $471 Shares 11,606 Est. Cost $27.60 Unrealized +29.3%

DFUV DIMENSIONAL ETF TRUST 0.0%

Value ($000) $499 Shares 9,875 Est. Cost $31.58 Unrealized —

HSY HERSHEY CO 0.0%

Value ($000) $288 Shares 1,244 Est. Cost $150.65 Unrealized +20.9%

SPTL SPDR SERIES TRUST 0.1%

Value ($000) $2,760 Shares 103,978 Est. Cost $26.71 Unrealized —

BBH VANECK ETF TRUST 0.0%

Value ($000) $266 Shares 1,334 Est. Cost $165.72 Unrealized —

ROK ROCKWELL AUTOMATION INC 0.0%

Value ($000) $253 Shares 610 Est. Cost $343.44 Unrealized +9.3%

CL COLGATE PALMOLIVE CO 0.0%

Value ($000) $256 Shares 2,710 Est. Cost $71.73 Unrealized +9.2%

MA MASTERCARD INCORPORATED 0.0%

Value ($000) $972 Shares 1,772 Est. Cost $451.62 Unrealized +23.8%

ABBV ABBVIE INC 0.0%

Value ($000) $928 Shares 4,155 Est. Cost $73.54 Unrealized +209.4%

COP CONOCOPHILLIPS 0.0%

Value ($000) $244 Shares 2,270 Est. Cost $88.66 Unrealized +1.5%

HD HOME DEPOT INC 0.0%

Value ($000) $568 Shares 1,475 Est. Cost $249.32 Unrealized +46.2%

TRV TRAVELERS COMPANIES INC 0.0%

Value ($000) $401 Shares 1,330 Est. Cost $208.89 Unrealized +34.3%

SCHA SCHWAB STRATEGIC TR 0.0%

Value ($000) $243 Shares 7,864 Est. Cost $27.90 Unrealized —

SCHF SCHWAB STRATEGIC TR 0.0%

Value ($000) $227 Shares 8,722 Est. Cost $23.28 Unrealized —

IWM ISHARES TR 0.0%

Value ($000) $257 Shares 969 Est. Cost $154.92 Unrealized —

AXP AMERICAN EXPRESS CO 0.0%

Value ($000) $226 Shares 628 Est. Cost $316.55 Unrealized +12.8%

VONE VANGUARD SCOTTSDALE FDS 0.0%

Value ($000) $447 Shares 1,425 Est. Cost $249.80 Unrealized —

IGSB ISHARES TR 0.1%

Value ($000) $1,875 Shares 35,388 Est. Cost $51.35 Unrealized —

ALL ALLSTATE CORP 0.0%

Value ($000) $285 Shares 1,375 Est. Cost $151.93 Unrealized +34.3%

VO VANGUARD INDEX FDS 0.0%

Value ($000) $388 Shares 1,290 Est. Cost $213.80 Unrealized —

ICCC IMMUCELL CORP 0.0%

Value ($000) $231 Shares 37,000 Est. Cost $5.42 Unrealized +8.6%

WM WASTE MGMT INC DEL 0.0%

Value ($000) $321 Shares 1,415 Est. Cost $144.75 Unrealized +46.8%

SCHX SCHWAB STRATEGIC TR 0.0%

Value ($000) $210 Shares 7,691 Est. Cost $26.34 Unrealized —

IDXX IDEXX LABS INC 0.0%

Value ($000) $585 Shares 908 Est. Cost $627.75 Unrealized +8.5%

PSA PUBLIC STORAGE OPER CO 0.0%

Value ($000) $544 Shares 1,895 Est. Cost $157.48 Unrealized +76.1%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
EMGF	ISHARES INC	1,888,930	$120,060	5.5%	$40.14	—	EMNG MKTS EQT	46434G889
DFIV	DIMENSIONAL ETF TRUST	843,698	$45,998	2.1%	$32.71	—	INTERNATNAL VAL	25434V807
SIZE	ISHARES TR	102,077	$17,171	0.8%	$154.54	—	MSCI USA SZE FT	46432F370
JNJ	JOHNSON & JOHNSON	8,995	$2,159	0.1%	$82.08	+140.0%	COM	478160104
DE	DEERE & CO	1,511	$881	0.0%	$70.48	+563.6%	COM	244199105
WMT	WALMART INC	6,710	$880	0.0%	$64.27	+66.8%	COM	931142103
ADP	AUTOMATIC DATA PROCESSING IN	2,523	$584	0.0%	$132.96	+99.2%	COM	053015103
ASML	ASML HOLDING N V	343	$485	0.0%	$970.47	—	N Y REGISTRY SHS	N07059210
TJX	TJX COS INC NEW	13,358	$2,082	0.1%	$41.78	+253.6%	COM	872540109
CAT	CATERPILLAR INC	563	$409	0.0%	$337.72	+64.5%	COM	149123101
GS	GOLDMAN SACHS GROUP INC	1,035	$961	0.0%	$319.18	+154.8%	COM	38141G104
VTWO	VANGUARD SCOTTSDALE FDS	14,035	$1,503	0.1%	$85.00	—	VNG RUS2000IDX	92206C664
NWFL	NORWOOD FINANCIAL CORP	19,846	$633	0.0%	$26.41	+3.2%	COM	669549107
VEA	VANGUARD TAX-MANAGED FDS	15,355	$1,034	0.0%	$41.64	—	VAN FTSE DEV MKT	921943858
MS	MORGAN STANLEY	5,125	$922	0.0%	$40.64	+309.6%	COM NEW	617446448
META	META PLATFORMS INC	1,397	$924	0.0%	$417.81	+59.7%	CL A	30303M102
CB	CHUBB LIMITED	2,053	$679	0.0%	$254.85	+14.7%	COM	H1467J104
TMP	TOMPKINS FINL CORP	5,095	$430	0.0%	$61.01	+11.0%	COM	890110109
VLUE	ISHARES TR	3,390	$515	0.0%	$86.87	—	MSCI USA VALUE	46432F388
DFAT	DIMENSIONAL ETF TRUST	10,658	$711	0.0%	$44.80	—	US TARGETED VLU	25434V609
SCHW	SCHWAB CHARLES CORP	6,199	$651	0.0%	$72.33	+31.0%	COM	808513105
CSX	CSX CORP	11,606	$471	0.0%	$27.60	+29.3%	COM	126408103
DFUV	DIMENSIONAL ETF TRUST	9,875	$499	0.0%	$31.58	—	US MKTWIDE VALUE	25434V724
HSY	HERSHEY CO	1,244	$288	0.0%	$150.65	+20.9%	COM	427866108
SPTL	SPDR SERIES TRUST	103,978	$2,760	0.1%	$26.71	—	STATE STREET SPD	78464A664
BBH	VANECK ETF TRUST	1,334	$266	0.0%	$165.72	—	BIOTECH ETF	92189F726
ROK	ROCKWELL AUTOMATION INC	610	$253	0.0%	$343.44	+9.3%	COM	773903109
CL	COLGATE PALMOLIVE CO	2,710	$256	0.0%	$71.73	+9.2%	COM	194162103
MA	MASTERCARD INCORPORATED	1,772	$972	0.0%	$451.62	+23.8%	CL A	57636Q104
ABBV	ABBVIE INC	4,155	$928	0.0%	$73.54	+209.4%	COM	00287Y109
COP	CONOCOPHILLIPS	2,270	$244	0.0%	$88.66	+1.5%	COM	20825C104
HD	HOME DEPOT INC	1,475	$568	0.0%	$249.32	+46.2%	COM	437076102
TRV	TRAVELERS COMPANIES INC	1,330	$401	0.0%	$208.89	+34.3%	COM	89417E109
SCHA	SCHWAB STRATEGIC TR	7,864	$243	0.0%	$27.90	—	US SML CAP ETF	808524607
SCHF	SCHWAB STRATEGIC TR	8,722	$227	0.0%	$23.28	—	INTL EQTY ETF	808524805
IWM	ISHARES TR	969	$257	0.0%	$154.92	—	RUSSELL 2000 ETF	464287655
AXP	AMERICAN EXPRESS CO	628	$226	0.0%	$316.55	+12.8%	COM	025816109
VONE	VANGUARD SCOTTSDALE FDS	1,425	$447	0.0%	$249.80	—	VNG RUS1000IDX	92206C730
IGSB	ISHARES TR	35,388	$1,875	0.1%	$51.35	—	ISHS 1-5YR INVS	464288646
ALL	ALLSTATE CORP	1,375	$285	0.0%	$151.93	+34.3%	COM	020002101
VO	VANGUARD INDEX FDS	1,290	$388	0.0%	$213.80	—	MID CAP ETF	922908629
ICCC	IMMUCELL CORP	37,000	$231	0.0%	$5.42	+8.6%	COM PAR	452525306
WM	WASTE MGMT INC DEL	1,415	$321	0.0%	$144.75	+46.8%	COM	94106L109
SCHX	SCHWAB STRATEGIC TR	7,691	$210	0.0%	$26.34	—	US LRG CAP ETF	808524201
IDXX	IDEXX LABS INC	908	$585	0.0%	$627.75	+8.5%	COM	45168D104
PSA	PUBLIC STORAGE OPER CO	1,895	$544	0.0%	$157.48	+76.1%	COM	74460D109