Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VV	VANGUARD INDEX FDS	56,529	$16.89M	10.1%	$205.75	—	LARGE CAP ETF	922908637
SCHX	SCHWAB STRATEGIC TR	432,743	$11.1M	6.6%	$32.51	—	US LRG CAP ETF	808524201
ESGV	VANGUARD WORLD FD	98,723	$11.08M	6.6%	$84.75	—	ESG US STK ETF	921910733
VCIT	VANGUARD SCOTTSDALE FDS	102,555	$8.486M	5.1%	$79.37	—	INT-TERM CORP	92206C870
AAPL	APPLE INC	31,658	$8.034M	4.8%	$187.13	+40.4%	COM	037833100
VEA	VANGUARD TAX-MANAGED FDS	123,814	$7.934M	4.7%	$45.45	—	VAN FTSE DEV MKT	921943858
VSGX	VANGUARD WORLD FD	93,324	$6.694M	4.0%	$54.90	—	ESG INTL STK ETF	921910725
BND	VANGUARD BD INDEX FDS	88,800	$6.539M	3.9%	$71.09	—	TOTAL BND MRKT	921937835
VO	VANGUARD INDEX FDS	22,314	$6.408M	3.8%	$211.95	—	MID CAP ETF	922908629
VB	VANGUARD INDEX FDS	23,542	$6.166M	3.7%	$192.53	—	SMALL CP ETF	922908751
MOAT	VANECK ETF TRUST	46,961	$4.541M	2.7%	$78.23	—	MRNGSTR WDE MOAT	92189F643
IAU	ISHARES GOLD TR	49,772	$4.388M	2.6%	$36.63	—	ISHARES NEW	464285204
VCSH	VANGUARD SCOTTSDALE FDS	48,434	$3.839M	2.3%	$76.37	—	SHRT TRM CORP BD	92206C409
L	LOEWS CORP	35,728	$3.814M	2.3%	$66.05	+61.2%	COM	540424108
QUAL	ISHARES TR	19,803	$3.798M	2.3%	$142.18	—	MSCI USA QLT FCT	46432F339
MSFT	MICROSOFT CORP	9,558	$3.538M	2.1%	$367.69	+18.2%	COM	594918104
VIG	VANGUARD SPECIALIZED FUNDS	16,121	$3.467M	2.1%	$156.79	—	DIV APP ETF	921908844
EMXC	ISHARES INC	41,437	$3.259M	1.9%	$52.62	—	MSCI EMRG CHN	46434G764
VTIP	VANGUARD MALVERN FDS	60,248	$3.009M	1.8%	$48.15	—	STRM INFPROIDX	922020805
EMB	ISHARES TR	30,892	$2.902M	1.7%	$87.33	—	JPMORGAN USD EMG	464288281
AMZN	AMAZON COM INC	11,049	$2.301M	1.4%	$142.60	+59.1%	COM	023135106
VCLT	VANGUARD SCOTTSDALE FDS	29,195	$2.181M	1.3%	$74.20	—	LG-TERM COR BD	92206C813
VCRB	VANGUARD MALVERN FDS	27,193	$2.104M	1.3%	$77.79	—	CORE BD ETF	922020748
LQD	ISHARES TR	19,040	$2.075M	1.2%	$102.34	—	IBOXX INV CP ETF	464287242
PFF	ISHARES TR	62,798	$1.904M	1.1%	$30.45	—	PFD AND INCM SEC	464288687
VAW	VANGUARD WORLD FD	7,354	$1.657M	1.0%	$181.37	—	MATERIALS ETF	92204A801
CWB	SPDR SERIES TRUST	15,638	$1.431M	0.9%	$72.71	—	STATE STREET SPD	78464A359
VBIL	VANGUARD INSTL INDEX FD	18,256	$1.381M	0.8%	$75.46	—	0-3 MO TREAS BIL	922040845
IUSB	ISHARES TR	28,572	$1.32M	0.8%	$44.30	—	CORE UNIVRSL USD	46434V613
VTI	VANGUARD INDEX FDS	3,665	$1.176M	0.7%	$219.34	—	TOTAL STK MKT	922908769
JBND	J P MORGAN EXCHANGE TRADED F	20,407	$1.097M	0.7%	$53.85	—	ACTIVE BOND ETF	46654Q716
VTEB	VANGUARD MUN BD FDS	21,326	$1.064M	0.6%	$49.06	—	TAX EXEMPT BD	922907746
FEX	FIRST TR EXCHANGE-TRADED ALP	8,509	$1.037M	0.6%	$81.52	—	COM SHS	33734K109
VCEB	VANGUARD WORLD FD	16,239	$1.02M	0.6%	$62.90	—	ESG US CORP BD	921910691
VEU	VANGUARD INTL EQUITY INDEX F	12,073	$907K	0.5%	$56.30	—	ALLWRLD EX US	922042775
NVDA	NVIDIA CORPORATION	4,930	$860K	0.5%	$115.51	+61.6%	COM	67066G104
QGRW	WISDOMTREE TR	14,725	$787K	0.5%	$50.62	—	US QUALITY GROW	97717Y477
ESGU	ISHARES TR	5,541	$784K	0.5%	$94.38	—	ESG AWR MSCI USA	46435G425
TIP	ISHARES TR	6,950	$767K	0.5%	$104.22	—	TIPS BD ETF	464287176
CB	CHUBB LTD SWITZ	2,286	$745K	0.4%	$213.74	+47.9%	COM	H1467J104
CEMB	ISHARES INC	15,134	$685K	0.4%	$42.88	—	JP MRG EM CRP BD	464286251
EUSA	ISHARES INC	6,632	$675K	0.4%	$75.38	—	MSCI EQUAL WEITE	464286681
MTB	M & T BK CORP	3,224	$666K	0.4%	$164.95	+34.1%	COM	55261F104
SPAB	SPDR SERIES TRUST	25,422	$651K	0.4%	$25.27	—	STATE STREET SPD	78464A649
VUG	VANGUARD INDEX FDS	1,428	$624K	0.4%	$365.39	—	GROWTH ETF	922908736
AGG	ISHARES TR	6,284	$624K	0.4%	$94.58	—	CORE US AGGBD ET	464287226
ESGD	ISHARES TR	6,507	$622K	0.4%	$70.62	—	ESG AW MSCI EAFE	46435G516
VNQ	VANGUARD INDEX FDS	6,998	$621K	0.4%	$77.01	—	REAL ESTATE ETF	922908553
XOM	EXXON MOBIL CORP	3,557	$603K	0.4%	$97.59	+42.2%	COM	30231G102
NYF	ISHARES TR	10,722	$570K	0.3%	$51.00	—	NEW YORK MUN ETF	464288323
COST	COSTCO WHOLESALE CORPORATION	562	$560K	0.3%	$625.52	+54.1%	COM	22160K105
EFA	ISHARES TR	5,752	$559K	0.3%	$69.64	—	MSCI EAFE ETF	464287465
JNJ	JOHNSON & JOHNSON	2,188	$535K	0.3%	$194.29	+17.3%	COM	478160104
VEGI	ISHARES INC	11,124	$503K	0.3%	$38.28	—	MSCI AGRICULTURE	464286350
SCHP	SCHWAB STRATEGIC TR	17,140	$456K	0.3%	$26.82	—	US TIPS ETF	808524870
IVV	ISHARES TR	695	$454K	0.3%	$430.32	—	CORE S&P500 ETF	464287200
VGT	VANGUARD WORLD FD	586	$409K	0.2%	$451.51	—	INF TECH ETF	92204A702
DGRW	WISDOMTREE TR	4,305	$378K	0.2%	$84.14	—	US QTLY DIV GRT	97717X669
GLD	SPDR GOLD TR	875	$377K	0.2%	$205.72	—	GOLD SHS	78463V107
VTV	VANGUARD INDEX FDS	1,890	$371K	0.2%	$192.67	—	VALUE ETF	922908744
WTV	WISDOMTREE TR	3,596	$341K	0.2%	$91.91	—	WISDOMTREE US VA	97717W547
XLK	SELECT SECTOR SPDR TR	2,494	$332K	0.2%	$155.00	—	STATE STREET TEC	81369Y803
VXUS	VANGUARD STAR FDS	4,174	$322K	0.2%	$70.42	—	VG TL INTL STK F	921909768
ABBV	ABBVIE INC	1,447	$315K	0.2%	$222.57	0.0%	COM	00287Y109
LITE	LUMENTUM HLDGS INC	406	$285K	0.2%	$467.14	0.0%	COM	55024U109
PEP	PEPSICO INC	1,745	$271K	0.2%	$141.29	+9.5%	COM	713448108
FYX	FIRST TR EXCHANGE-TRADED ALP	2,191	$262K	0.2%	$97.27	—	COM SHS	33734Y109
UPS	UNITED PARCEL SVCS INC	2,604	$256K	0.2%	$109.86	0.0%	CL B	911312106
IGLB	ISHARES TR	4,764	$236K	0.1%	$50.45	—	10+ YR INVST GRD	464289511
FNX	FIRST TR EXCHANGE-TRADED ALP	1,784	$229K	0.1%	$114.82	—	COM SHS	33735B108
IGIB	ISHARES TR	4,265	$227K	0.1%	$51.68	—	ISHS 5-10YR INVT	464288638
GOOG	ALPHABET INC	784	$225K	0.1%	$287.24	+12.7%	CAP STK CL C	02079K107
BAB	INVESCO EXCH TRADED FD TR II	8,040	$217K	0.1%	$25.39	—	TAXABLE MUN BD	46138G805
PGX	INVESCO EXCH TRADED FD TR II	19,607	$213K	0.1%	$11.08	—	PFD ETF	46138E511
UBER	UBER TECHNOLOGIES INC	2,827	$203K	0.1%	$78.72	0.0%	COM	90353T100
REFR	RESEARCH FRONTIERS INC	10,457	$9,432	0.0%	$1.19	0.0%	COM	760911107