Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
DFAC	DIMENSIONAL ETF TRUST	309,156	$7.877M	7.9%	$24.28	—	US CORE EQUITY 2	25434V708
—	PUTNAM MUN OPPORTUNITIES TR	484,749	$5.022M	5.0%	$10.84	—	SH BEN INT	746922103
—	EATON VANCE MUNI INCOME TRUS	440,713	$4.464M	4.5%	$9.89	—	SH BEN INT	27826U108
—	BLACKROCK INCOME TR INC	311,265	$3.919M	3.9%	$12.41	—	COM NEW	09247F209
AAPL	APPLE INC	22,054	$3.637M	3.6%	$140.70	+3.4%	COM	037833100
—	BLACKROCK MUNIYIELD QUALITY	224,634	$2.547M	2.5%	$11.21	—	COM	09254E103
DFUV	DIMENSIONAL ETF TRUST	75,241	$2.519M	2.5%	$33.48	—	US MKTWIDE VALUE	25434V724
—	BLACKROCK MUNIHOLDINGS FD IN	205,717	$2.479M	2.5%	$12.14	—	COM	09253N104
—	BLACKROCK MUNIYILD QULT FD I	201,261	$2.383M	2.4%	$11.60	—	COM	09254F100
—	NUVEEN AMT FREE MUN CR INC F	187,630	$2.21M	2.2%	$12.14	—	COM	67071L106
DFAU	DIMENSIONAL ETF TRUST	70,125	$2.018M	2.0%	$27.05	—	US CORE EQT MKT	25434V104
XOM	EXXON MOBIL CORP	17,125	$1.878M	1.9%	$97.02	+3.3%	COM	30231G102
—	NEUBERGER BRMAN CLIFRN MUNI	168,201	$1.87M	1.9%	$11.30	—	COM	64123C101
DFAX	DIMENSIONAL ETF TRUST	79,036	$1.823M	1.8%	$21.60	—	WORLD EX US CORE	25434V880
—	EATON VANCE MUN BD FD	166,409	$1.731M	1.7%	$10.39	—	COM	27827X101
—	EATON VANCE NATL MUN OPPORT	95,786	$1.693M	1.7%	$16.43	—	COM SHS	27829L105
—	NUVEEN SELECT TAX-FREE INCOM	112,673	$1.612M	1.6%	$13.91	—	SH BEN INT	67062F100
—	BLACKROCK FLOATING RATE INC	121,388	$1.361M	1.4%	$10.94	—	COM	091941104
—	DWS MUN INCOME TR	150,059	$1.336M	1.3%	$8.61	—	COM	233368109
DFAT	DIMENSIONAL ETF TRUST	29,046	$1.293M	1.3%	$43.95	—	US TARGETED VLU	25434V609
XMUIX	BLACKROCK MUNICIPAL INCOME	106,791	$1.247M	1.2%	$11.34	—	COM	09253X102
XMVFX	BLACKROCK MUNIVEST FD INC	166,559	$1.153M	1.2%	$7.01	—	COM	09253R105
—	BLACKROCK MUN INCOME TR	105,717	$1.079M	1.1%	$10.07	—	SH BEN INT	09248F109
XBFZX	BLACKROCK CALIF MUN INCOME T	89,652	$1.049M	1.0%	$10.83	—	SH BEN INT	09248E102
—	BLACKROCK MUNI INCOME TR II	90,634	$973K	1.0%	$10.33	—	COM	09249N101
—	NUVEEN FLOATING RATE INCOME	113,534	$931K	0.9%	$7.92	—	COM	67072T108
VTI	VANGUARD INDEX FDS	4,452	$909K	0.9%	$191.22	—	TOTAL STK MKT	922908769
—	BLACKROCK MUNIHLDNGS CALI QL	80,582	$891K	0.9%	$10.74	—	COM	09254L107
—	INVESCO ADVANTAGE MUN INCOME	97,418	$868K	0.9%	$8.59	—	SH BEN INT	46132E103
—	BLACKROCK MUNIASSETS FD INC	82,203	$866K	0.9%	$10.80	—	COM	09254J102
—	EATON VANCE LTD DURATION INC	87,543	$862K	0.9%	$9.40	—	COM	27828H105
RSPT	INVESCO EXCHANGE TRADED FD T	3,118	$861K	0.9%	$242.97	—	S&P500 EQL TEC	46137V282
—	WESTERN ASSET MUN PARTNERS F	68,687	$831K	0.8%	$11.64	—	COM	95766P108
—	BLACKROCK FLOATING RATE INCO	69,215	$810K	0.8%	$11.26	—	COM	09255X100
—	INVESCO HIGH INCOME TR II	75,266	$790K	0.8%	$10.30	—	COM	46131F101
—	NUVEEN CALIFORNIA MUNI VLU F	84,124	$741K	0.7%	$8.45	—	COM STK	67062C107
VXUS	VANGUARD STAR FDS	12,667	$699K	0.7%	$51.72	—	VG TL INTL STK F	921909768
—	BLACKROCK CORE BD TR	63,429	$688K	0.7%	$10.38	—	SHS BEN INT	09249E101
DFSV	DIMENSIONAL ETF TRUST	26,737	$667K	0.7%	$24.83	—	US SMALL CAP VAL	25434V815
DFAI	DIMENSIONAL ETF TRUST	24,023	$647K	0.6%	$25.04	—	INTL CORE EQT MK	25434V203
—	BLACKROCK CORPOR HI YLD FD I	73,469	$641K	0.6%	$8.74	—	COM	09255P107
VIG	VANGUARD SPECIALIZED FUNDS	3,991	$615K	0.6%	$151.87	—	DIV APP ETF	921908844
XENWX	EATON VANCE NEW YORK MUN BD	61,645	$599K	0.6%	$9.01	—	COM	27827Y109
—	PUTNAM MANAGED MUN INCOME TR	97,578	$598K	0.6%	$6.27	—	COM	746823103
—	BLACKROCK MUNIYIELD MICH QU	53,005	$593K	0.6%	$11.09	—	COM	09254V105
—	ALLIANCEBERNSTEIN NATL MUN I	51,776	$567K	0.6%	$10.48	—	COM	01864U106
—	MFS MUN INCOME TR	100,562	$537K	0.5%	$5.18	—	SH BEN INT	552738106
—	BLACKROCK DEBT STRATEGIES FD	54,741	$521K	0.5%	$9.20	—	COM NEW	09255R202
—	INVESCO MUN OPPORTUNITY TR	52,050	$511K	0.5%	$9.91	—	COM	46132C107
XBI	SPDR SER TR	6,644	$506K	0.5%	$83.00	—	S&P BIOTECH	78464A870
—	PIMCO NEW YORK MUN INCOME FD	59,618	$504K	0.5%	$8.91	—	COM	72200T103
—	MFS INVT GRADE MUN TR	67,873	$502K	0.5%	$7.12	—	SH BEN INT	59318B108
—	MFS HIGH INCOME MUN TR	135,544	$495K	0.5%	$3.49	—	SH BEN INT	59318D104
—	NEUBERGER BERMAN HIGH YIELD	57,716	$492K	0.5%	$8.52	—	COM	64128C106
XBTAX	BLACKROCK LONG-TERM MUN ADVA	48,256	$480K	0.5%	$9.40	—	COM	09250B103
—	NUVEEN AMT-FREE MUN VALUE FD	34,833	$480K	0.5%	$13.61	—	COM	670695105
—	NUVEEN MASSACHUSETS QLT MUN	45,023	$479K	0.5%	$10.57	—	COM	67061E104
—	MFS HIGH YIELD MUN TR	148,801	$478K	0.5%	$3.20	—	SH BEN INT	59318E102
—	PIMCO NEW YORK MUN FD II	61,718	$477K	0.5%	$7.95	—	COM	72200Y102
—	INVESCO MUNI INCOME OPP TRST	70,707	$469K	0.5%	$6.24	—	COM	46132X101
—	BLACKROCK MUNIHLDGS NJ QLTY	40,769	$467K	0.5%	$11.07	—	COM	09254X101
—	WESTERN ASSET MUN HIGH INCOM	69,289	$462K	0.5%	$6.38	—	COM	95766N103
—	PGIM GLOBAL HIGH YIELD FD FO	41,612	$456K	0.5%	$10.84	—	COM	69346J106
—	NUVEEN MUN CR OPPORTUNITIES	38,634	$441K	0.4%	$10.99	—	COM	670663103
XMVTX	BLACKROCK MUNIVEST FD II INC	40,511	$435K	0.4%	$10.45	—	COM	09253T101
—	NUVEEN PFD & INCOME OPPORTUN	62,928	$414K	0.4%	$7.28	—	COM	67073B106
—	NUVEEN MUN VALUE FD INC	43,056	$379K	0.4%	$8.60	—	COM	670928100
—	EATON VANCE FLTING RATE INC	32,281	$372K	0.4%	$11.09	—	COM	278279104
—	INVESCO TR INVT GRADE MUNS	37,360	$371K	0.4%	$10.05	—	COM	46131M106
—	EATON VANCE MUN INCOME 2028	20,567	$366K	0.4%	$17.83	—	SHS	27829U105
XPMQX	PIMCO MUN INCOME FD III	43,525	$362K	0.4%	$8.71	—	COM	72201A103
—	INVESCO MUNICIPAL TRUST	35,353	$351K	0.4%	$9.90	—	COM	46131J103
XEVMX	EATON VANCE CALIF MUN BD FD	38,623	$348K	0.3%	$8.64	—	COM	27828A100
PFF	ISHARES TR	10,483	$327K	0.3%	$30.54	—	PFD AND INCM SEC	464288687
—	PIMCO DYNAMIC INCOME FD	17,636	$318K	0.3%	$18.48	—	SHS	72201Y101
VBR	VANGUARD INDEX FDS	1,968	$312K	0.3%	$158.81	—	SM CP VAL ETF	922908611
—	NUVEEN QUALITY MUNCP INCOME	26,829	$309K	0.3%	$11.80	—	COM	67066V101
ES	EVERSOURCE ENERGY	3,881	$304K	0.3%	$68.99	+0.5%	COM	30040W108
—	INVESCO BD FD	19,596	$302K	0.3%	$15.68	—	COM	46132L107
VT	VANGUARD INTL EQUITY INDEX F	3,277	$302K	0.3%	$86.17	—	TT WRLD ST ETF	922042742
—	WESTERN ASSET MANAGED MUNS F	28,862	$297K	0.3%	$10.07	—	COM	95766M105
XPMAX	PIONEER MUNICIPAL HIGH INCOM	35,599	$293K	0.3%	$8.10	—	COM	723762100
XPHDX	PIONEER FLOATING RATE FUND I	32,847	$286K	0.3%	$8.77	—	COM	72369J102
—	DWS STRATEGIC MUN INCOME TR	33,393	$283K	0.3%	$8.17	—	COM	23342Q101
VWO	VANGUARD INTL EQUITY INDEX F	6,959	$281K	0.3%	$38.97	—	FTSE EMR MKT ETF	922042858
—	NUVEEN N Y MUN VALUE FD	31,408	$274K	0.3%	$8.26	—	COM	67062M105
—	EATON VANCE SHORT DURATION D	26,061	$272K	0.3%	$10.19	—	COM	27828V104
—	ABRDN INCOME CREDIT STRATEGI	40,814	$272K	0.3%	$6.67	—	COM	003057106
—	HIGHLAND INCOME FD	30,877	$271K	0.3%	$10.30	—	HIGHLAND INCOME	43010E404
—	NUVEEN PFD & INCOME SECS FD	41,875	$271K	0.3%	$6.80	—	COM	67072C105
—	DELAWARE INVTS NATL MUN INCO	25,189	$269K	0.3%	$10.49	—	SH BEN INT	24610T108
—	HANCOCK JOHN INCOME SECS TR	24,498	$268K	0.3%	$10.65	—	COM	410123103
XBKNX	BLACKROCK INVT QUALITY MUN T	21,984	$265K	0.3%	$11.72	—	COM	09247D105
—	BLACKROCK TAX MUNICPAL BD TR	14,750	$264K	0.3%	$17.92	—	SHS	09248X100
CBU	COMMUNITY BK SYS INC	4,875	$256K	0.3%	$56.05	-5.6%	COM	203607106
VFVA	VANGUARD WELLINGTON FD	2,636	$256K	0.3%	$98.66	—	US VALUE FACTR	921935805
VFQY	VANGUARD WELLINGTON FD	2,246	$243K	0.2%	$104.86	—	US QUALITY	921935706
—	BNY MELLON STRATEGIC MUNS IN	38,162	$238K	0.2%	$6.16	—	COM	05588W108
—	BNY MELLON MUN INCOME INC	36,066	$234K	0.2%	$6.26	—	COM	05589T104
IYY	ISHARES TR	2,321	$232K	0.2%	$93.45	—	DOW JONES US ETF	464287846
—	NEUBERGER BERMAN MUN FD INC	21,076	$231K	0.2%	$10.42	—	COM	64124P101
—	BNY MELLON MUN BD INFRASTRUC	19,067	$221K	0.2%	$10.51	—	COM SHS	09662W109
—	INVESCO SR INCOME TR	58,730	$216K	0.2%	$3.83	—	COM	46131H107
T	AT&T INC	11,087	$213K	0.2%	$16.36	0.0%	COM	00206R102
—	DOUBLELINE OPPORTUNISTIC CR	14,981	$212K	0.2%	$14.84	—	COM	258623107
—	PIMCO MUN INCOME FD	21,293	$212K	0.2%	$10.43	—	COM	72200R107
—	EATON VANCE CALIF MUN INCOM	20,246	$207K	0.2%	$9.98	—	SH BEN INT	27826F101
CCIF	VERTICAL CAP INCOME FD	20,677	$203K	0.2%	$8.71	—	SHS BEN INT	92535C104
—	BLACKROCK MUN TARGET TERM TR	9,234	$201K	0.2%	$21.72	—	COM SHS BEN IN	09257P105
—	WESTERN ASSET INTER MUNI FD	24,908	$197K	0.2%	$7.59	—	COM	958435109
—	HIGH INCOME SECS FD	30,093	$196K	0.2%	$6.50	—	SHS BEN INT	42968F108
—	CALAMOS CONV & HIGH INCOME F	17,833	$195K	0.2%	$10.55	—	COM SHS	12811P108
—	BLACKROCK MUNIHOLDINGS QUALI	17,300	$174K	0.2%	$9.95	—	COM	09254C107
XMQTX	BLACKROCK MUNIYIELD QUALITY	16,076	$167K	0.2%	$10.27	—	COM	09254G108
—	RIVERNORTH MANAGED DUR MUN I	10,847	$163K	0.2%	$14.40	—	COM	76882H105
—	DTF TAX-FREE INCOME 2028 TER	14,132	$157K	0.2%	$10.91	—	COM	23334J107
—	PIMCO CALIF MUN INCOME FD	14,898	$150K	0.2%	$10.08	—	COM	72200N106
—	INVESCO QUALITY MUN INCOME T	14,622	$146K	0.1%	$9.43	—	COM	46133G107
—	CALAMOS CONV OPPORTUNITIES &	13,717	$144K	0.1%	$10.51	—	SH BEN INT	128117108
—	APOLLO SR FLOATING RATE FD I	11,328	$143K	0.1%	$12.35	—	COM	037636107
—	NUVEEN REAL ASSET INCOME & G	12,098	$142K	0.1%	$11.70	—	COM	67074Y105
—	BLACKROCK MUNIHLDGS NY QLTY	13,096	$139K	0.1%	$10.27	—	COM	09255C106
—	NUVEEN MUNICIPAL CREDIT INC	11,203	$134K	0.1%	$12.08	—	COM SH BEN INT	67070X101
—	BLACKROCK CR ALLOCATION INCO	12,963	$133K	0.1%	$10.10	—	COM	092508100
—	NUVEEN CA QUALTY MUN INCOME	11,996	$132K	0.1%	$11.07	—	COM	67066Y105
—	ABRDN ASIA PACIFIC INCOME FU	48,551	$129K	0.1%	$2.64	—	COM	003009107
—	ADVENT CONV & INCOME FD	11,078	$128K	0.1%	$10.90	—	COM	00764C109
—	VIRTUS CONVERTIBLE & INCOME	36,204	$122K	0.1%	$3.40	—	COM	92838X102
—	BLACKROCK MUNIYIELD N Y QUAL	11,500	$117K	0.1%	$9.80	—	COM	09255E102
XNBOX	NEUBERGER BERMAN N Y MUN FD	11,099	$107K	0.1%	$9.43	—	COM	64124K102
—	WESTERN ASST INFLTN LKD INM	12,298	$106K	0.1%	$8.61	—	COM SH BEN INT	95766Q106
—	EATON VANCE SR INCOME TR	19,797	$106K	0.1%	$5.27	—	SH BEN INT	27826S103
—	NUVEEN FLOATING RATE INCOME	12,666	$102K	0.1%	$7.81	—	COM SHS	6706EN100
XPZCX	PIMCO CALIF MUN INCOME FD II	10,540	$81,790	0.1%	$8.35	—	COM	72201C109
—	BNY MELLON HIGH YIELD STRATE	26,003	$56,427	0.1%	$2.16	—	SH BEN INT	09660L105
—	CREDIT SUISSE HIGH YIELD BD	25,363	$47,936	0.0%	$1.76	—	SH BEN INT	22544F103
—	PUTNAM MASTER INTER INCOME T	12,788	$40,666	0.0%	$3.20	—	SH BEN INT	746909100