Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
DFAC	DIMENSIONAL ETF TRUST	270,380	$7.341M	7.4%	$24.28	—	US CORE EQUITY 2	25434V708
—	PUTNAM MUN OPPORTUNITIES TR	486,214	$4.964M	5.0%	$10.84	—	SH BEN INT	746922103
AAPL	APPLE INC	22,097	$4.286M	4.3%	$140.70	+22.3%	COM	037833100
—	EATON VANCE MUNI INCOME TRUS	430,130	$4.28M	4.3%	$9.89	—	SH BEN INT	27826U108
—	BLACKROCK INCOME TR INC	334,596	$4.072M	4.1%	$12.39	—	COM NEW	09247F209
DFUV	DIMENSIONAL ETF TRUST	71,638	$2.472M	2.5%	$33.48	—	US MKTWIDE VALUE	25434V724
—	BLACKROCK MUNIYIELD QUALITY	221,821	$2.427M	2.5%	$11.21	—	COM	09254E103
—	BLACKROCK MUNIHOLDINGS FD IN	202,053	$2.35M	2.4%	$12.14	—	COM	09253N104
—	BLACKROCK MUNIYILD QULT FD I	202,390	$2.342M	2.4%	$11.60	—	COM	09254F100
—	NUVEEN AMT FREE MUN CR INC F	187,734	$2.196M	2.2%	$12.14	—	COM	67071L106
DFAU	DIMENSIONAL ETF TRUST	68,584	$2.125M	2.2%	$27.05	—	US CORE EQT MKT	25434V104
XOM	EXXON MOBIL CORP	16,826	$1.805M	1.8%	$97.02	+2.7%	COM	30231G102
DFAX	DIMENSIONAL ETF TRUST	73,686	$1.718M	1.7%	$21.60	—	WORLD EX US CORE	25434V880
—	NEUBERGER BRMAN CLIFRN MUNI	155,673	$1.658M	1.7%	$11.30	—	COM	64123C101
—	EATON VANCE MUN BD FD	160,250	$1.594M	1.6%	$10.39	—	COM	27827X101
—	EATON VANCE NATL MUN OPPORT	90,379	$1.569M	1.6%	$16.43	—	COM SHS	27829L105
—	NUVEEN SELECT TAX-FREE INCOM	101,808	$1.467M	1.5%	$13.91	—	SH BEN INT	67062F100
—	DWS MUN INCOME TR	150,119	$1.293M	1.3%	$8.61	—	COM	233368109
—	BLACKROCK FLOATING RATE INC	108,618	$1.266M	1.3%	$10.94	—	COM	091941104
XMUIX	BLACKROCK MUNICIPAL INCOME	106,936	$1.223M	1.2%	$11.34	—	COM	09253X102
DFAT	DIMENSIONAL ETF TRUST	25,079	$1.163M	1.2%	$43.95	—	US TARGETED VLU	25434V609
XMVFX	BLACKROCK MUNIVEST FD INC	166,708	$1.122M	1.1%	$7.01	—	COM	09253R105
—	BLACKROCK MUN INCOME TR	106,667	$1.06M	1.1%	$10.07	—	SH BEN INT	09248F109
—	BLACKROCK MUNI INCOME TR II	91,015	$947K	1.0%	$10.33	—	COM	09249N101
XBFZX	BLACKROCK CALIF MUN INCOME T	79,111	$938K	1.0%	$10.83	—	SH BEN INT	09248E102
—	EATON VANCE LTD DURATION INC	99,763	$934K	0.9%	$9.39	—	COM	27828H105
RSPT	INVESCO EXCHANGE TRADED FD T	3,122	$918K	0.9%	$242.97	—	S&P500 EQL TEC	46137V282
—	NUVEEN FLOATING RATE INCOME	110,754	$874K	0.9%	$7.92	—	COM	67072T108
—	BLACKROCK MUNIASSETS FD INC	84,967	$865K	0.9%	$10.78	—	COM	09254J102
—	BLACKROCK MUNIHLDNGS CALI QL	78,663	$853K	0.9%	$10.74	—	COM	09254L107
—	BLACKROCK FLOATING RATE INCO	68,391	$835K	0.8%	$11.26	—	COM	09255X100
—	INVESCO ADVANTAGE MUN INCOME	97,449	$820K	0.8%	$8.59	—	SH BEN INT	46132E103
—	WESTERN ASSET MUN PARTNERS F	68,795	$805K	0.8%	$11.64	—	COM	95766P108
—	INVESCO HIGH INCOME TR II	75,028	$788K	0.8%	$10.30	—	COM	46131F101
—	BLACKROCK CORPOR HI YLD FD I	83,358	$744K	0.8%	$8.76	—	COM	09255P107
—	NUVEEN CALIFORNIA MUNI VLU F	84,249	$720K	0.7%	$8.45	—	COM STK	67062C107
DFSV	DIMENSIONAL ETF TRUST	27,879	$716K	0.7%	$24.87	—	US SMALL CAP VAL	25434V815
—	BLACKROCK CORE BD TR	64,609	$687K	0.7%	$10.38	—	SHS BEN INT	09249E101
VTI	VANGUARD INDEX FDS	3,076	$678K	0.7%	$191.22	—	TOTAL STK MKT	922908769
VIG	VANGUARD SPECIALIZED FUNDS	3,991	$648K	0.7%	$151.87	—	DIV APP ETF	921908844
DFAI	DIMENSIONAL ETF TRUST	23,367	$638K	0.6%	$25.04	—	INTL CORE EQT MK	25434V203
VXUS	VANGUARD STAR FDS	11,268	$632K	0.6%	$51.72	—	VG TL INTL STK F	921909768
XMVTX	BLACKROCK MUNIVEST FD II INC	56,575	$601K	0.6%	$10.50	—	COM	09253T101
—	PUTNAM MANAGED MUN INCOME TR	97,755	$595K	0.6%	$6.27	—	COM	746823103
—	BLACKROCK MUNIYIELD MICH QU	53,042	$586K	0.6%	$11.09	—	COM	09254V105
XENWX	EATON VANCE NEW YORK MUN BD	61,149	$575K	0.6%	$9.01	—	COM	27827Y109
—	BLACKROCK MUNIHLDGS NJ QLTY	51,379	$574K	0.6%	$11.09	—	COM	09254X101
—	ALLIANCEBERNSTEIN NATL MUN I	53,286	$572K	0.6%	$10.49	—	COM	01864U106
XBI	SPDR SER TR	6,644	$553K	0.6%	$83.00	—	S&P BIOTECH	78464A870
—	BLACKROCK DEBT STRATEGIES FD	55,889	$547K	0.6%	$9.21	—	COM NEW	09255R202
—	PIMCO CALIF MUN INCOME FD	54,728	$536K	0.5%	$9.88	—	COM	72200N106
—	MFS MUN INCOME TR	100,562	$513K	0.5%	$5.18	—	SH BEN INT	552738106
—	INVESCO MUN OPPORTUNITY TR	52,061	$493K	0.5%	$9.91	—	COM	46132C107
—	MFS HIGH YIELD MUN TR	151,625	$488K	0.5%	$3.20	—	SH BEN INT	59318E102
—	NUVEEN MASSACHUSETS QLT MUN	46,049	$481K	0.5%	$10.57	—	COM	67061E104
—	NUVEEN AMT-FREE MUN VALUE FD	34,855	$479K	0.5%	$13.61	—	COM	670695105
—	MFS HIGH INCOME MUN TR	135,797	$473K	0.5%	$3.49	—	SH BEN INT	59318D104
—	PIMCO NEW YORK MUN FD II	61,803	$469K	0.5%	$7.95	—	COM	72200Y102
XBTAX	BLACKROCK LONG-TERM MUN ADVA	48,314	$467K	0.5%	$9.40	—	COM	09250B103
—	MFS INVT GRADE MUN TR	62,081	$457K	0.5%	$7.12	—	SH BEN INT	59318B108
—	WESTERN ASSET MUN HIGH INCOM	69,420	$455K	0.5%	$6.38	—	COM	95766N103
—	INVESCO MUNI INCOME OPP TRST	71,147	$444K	0.5%	$6.24	—	COM	46132X101
—	NEUBERGER BERMAN HIGH YIELD	58,261	$436K	0.4%	$8.52	—	COM	64128C106
—	PGIM GLOBAL HIGH YIELD FD FO	39,235	$430K	0.4%	$10.84	—	COM	69346J106
—	NUVEEN MUN CR OPPORTUNITIES	38,319	$415K	0.4%	$10.99	—	COM	670663103
—	NUVEEN PFD & INCOME OPPORTUN	62,950	$408K	0.4%	$7.28	—	COM	67073B106
—	PIMCO NEW YORK MUN INCOME FD	47,294	$406K	0.4%	$8.91	—	COM	72200T103
—	NUVEEN QUALITY MUNCP INCOME	35,650	$402K	0.4%	$11.67	—	COM	67066V101
—	EATON VANCE FLTING RATE INC	32,538	$380K	0.4%	$11.09	—	COM	278279104
—	NUVEEN MUN VALUE FD INC	43,123	$375K	0.4%	$8.60	—	COM	670928100
—	INVESCO TR INVT GRADE MUNS	37,360	$363K	0.4%	$10.05	—	COM	46131M106
—	EATON VANCE MUN INCOME 2028	20,597	$362K	0.4%	$17.83	—	SHS	27829U105
XPMQX	PIMCO MUN INCOME FD III	43,543	$351K	0.4%	$8.71	—	COM	72201A103
—	INVESCO MUNICIPAL TRUST	35,541	$335K	0.3%	$9.90	—	COM	46131J103
PFF	ISHARES TR	10,641	$329K	0.3%	$30.54	—	PFD AND INCM SEC	464288687
—	BNY MELLON STRATEGIC MUNS IN	51,710	$322K	0.3%	$6.18	—	COM	05588W108
—	PIMCO DYNAMIC INCOME FD	17,126	$321K	0.3%	$18.48	—	SHS	72201Y101
—	NUVEEN PFD & INCOME SECS FD	45,722	$292K	0.3%	$6.76	—	COM	67072C105
—	INVESCO BD FD	19,564	$291K	0.3%	$15.68	—	COM	46132L107
—	WESTERN ASSET MANAGED MUNS F	28,936	$287K	0.3%	$10.07	—	COM	95766M105
—	DWS STRATEGIC MUN INCOME TR	33,466	$284K	0.3%	$8.17	—	COM	23342Q101
—	HIGHLAND OPPORTUNITIES	30,989	$280K	0.3%	$10.30	—	HIGHLAND INCOME	43010E404
ES	EVERSOURCE ENERGY	3,894	$276K	0.3%	$68.99	-4.3%	COM	30040W108
XPHDX	PIONEER FLOATING RATE FUND I	31,558	$274K	0.3%	$8.77	—	COM	72369J102
—	EATON VANCE SHORT DURATION D	27,745	$272K	0.3%	$10.17	—	COM	27828V104
—	ABRDN INCOME CREDIT STRATEGI	39,424	$270K	0.3%	$6.67	—	COM	003057106
—	NUVEEN N Y MUN VALUE FD	31,408	$265K	0.3%	$8.26	—	COM	67062M105
—	HANCOCK JOHN INCOME SECS TR	24,505	$264K	0.3%	$10.65	—	COM	410123103
XEVMX	EATON VANCE CALIF MUN BD FD	29,454	$262K	0.3%	$8.64	—	COM	27828A100
VBR	VANGUARD INDEX FDS	1,582	$262K	0.3%	$158.81	—	SM CP VAL ETF	922908611
—	DELAWARE INVTS NATL MUN INCO	25,314	$254K	0.3%	$10.49	—	SH BEN INT	24610T108
IYY	ISHARES TR	2,321	$251K	0.3%	$93.45	—	DOW JONES US ETF	464287846
—	BLACKROCK TAX MUNICPAL BD TR	14,820	$246K	0.2%	$17.92	—	SHS	09248X100
XPMAX	PIONEER MUNICIPAL HIGH INCOM	31,006	$245K	0.2%	$8.10	—	COM	723762100
—	WESTERN ASSET PREMIER BD FD	23,355	$238K	0.2%	$10.19	—	SHS BEN INT	957664105
XBKNX	BLACKROCK INVT QUALITY MUN T	19,968	$232K	0.2%	$11.72	—	COM	09247D105
CBU	COMMUNITY BK SYS INC	4,875	$229K	0.2%	$56.05	-20.3%	COM	203607106
—	BNY MELLON MUN INCOME INC	36,114	$227K	0.2%	$6.26	—	COM	05589T104
—	INVESCO SR INCOME TR	58,872	$227K	0.2%	$3.83	—	COM	46131H107
VT	VANGUARD INTL EQUITY INDEX F	2,301	$223K	0.2%	$86.17	—	TT WRLD ST ETF	922042742
—	DOUBLELINE OPPORTUNISTIC CR	15,144	$220K	0.2%	$14.84	—	COM	258623107
—	PIMCO MUN INCOME FD	21,293	$219K	0.2%	$10.43	—	COM	72200R107
—	NEUBERGER BERMAN MUN FD INC	21,076	$217K	0.2%	$10.42	—	COM	64124P101
VWO	VANGUARD INTL EQUITY INDEX F	5,099	$207K	0.2%	$38.97	—	FTSE EMR MKT ETF	922042858
CCIF	VERTICAL CAP INCOME FD	20,854	$207K	0.2%	$8.71	—	SHS BEN INT	92535C104
—	EATON VANCE CALIF MUN INCOM	20,352	$203K	0.2%	$9.98	—	SH BEN INT	27826F101
—	BLACKROCK MUN TARGET TERM TR	9,734	$202K	0.2%	$21.67	—	COM SHS BEN IN	09257P105
—	TEMPLETON GLOBAL INCOME FD	48,750	$202K	0.2%	$4.14	—	COM	880198106
—	CALAMOS CONV & HIGH INCOME F	17,833	$200K	0.2%	$10.55	—	COM SHS	12811P108
—	HIGH INCOME SECS FD	30,105	$195K	0.2%	$6.50	—	SHS BEN INT	42968F108
T	AT&T INC	11,090	$177K	0.2%	$16.36	-9.6%	COM	00206R102
—	WESTERN ASSET INTER MUNI FD	22,747	$173K	0.2%	$7.59	—	COM	958435109
—	BLACKROCK MUNIHOLDINGS QUALI	17,427	$169K	0.2%	$9.95	—	COM	09254C107
—	RIVERNORTH MANAGED DUR MUN I	10,847	$164K	0.2%	$14.40	—	COM	76882H105
XMQTX	BLACKROCK MUNIYIELD QUALITY	16,128	$162K	0.2%	$10.27	—	COM	09254G108
—	BNY MELLON MUN BD INFRASTRUC	14,425	$155K	0.2%	$10.51	—	COM SHS	09662W109
—	CALAMOS CONV OPPORTUNITIES &	13,783	$154K	0.2%	$10.51	—	SH BEN INT	128117108
—	DTF TAX-FREE INCOME 2028 TER	14,187	$153K	0.2%	$10.91	—	COM	23334J107
—	APOLLO SR FLOATING RATE FD I	11,572	$149K	0.2%	$12.36	—	COM	037636107
—	INVESCO QUALITY MUN INCOME T	14,794	$141K	0.1%	$9.43	—	COM	46133G107
—	MFS INTER INCOME TR	50,633	$139K	0.1%	$2.74	—	SH BEN INT	55273C107
—	NUVEEN REAL ASSET INCOME & G	12,098	$138K	0.1%	$11.70	—	COM	67074Y105
—	BLACKROCK MUNIHLDGS NY QLTY	13,096	$137K	0.1%	$10.27	—	COM	09255C106
—	BLACKROCK CR ALLOCATION INCO	13,031	$132K	0.1%	$10.10	—	COM	092508100
—	ABRDN ASIA PACIFIC INCOME FU	48,551	$131K	0.1%	$2.64	—	COM	003009107
—	NUVEEN CA QUALTY MUN INCOME	11,996	$131K	0.1%	$11.07	—	COM	67066Y105
—	NUVEEN MUNICIPAL CREDIT INC	11,211	$131K	0.1%	$12.08	—	COM SH BEN INT	67070X101
—	ADVENT CONV & INCOME FD	11,130	$130K	0.1%	$10.90	—	COM	00764C109
—	VIRTUS CONVERTIBLE & INCOME	36,204	$126K	0.1%	$3.40	—	COM	92838X102
—	BLACKSTONE STRATEGIC CRED 20	11,167	$122K	0.1%	$10.93	—	COM SHS BEN IN	09257R101
XEGFX	BLACKROCK ENHANCED GOVT FD I	12,327	$118K	0.1%	$9.55	—	COM	09255K108
—	EATON VANCE SR INCOME TR	19,797	$108K	0.1%	$5.27	—	SH BEN INT	27826S103
—	WESTERN ASSET HIGH INCOME OP	27,593	$104K	0.1%	$3.78	—	COM	95766K109
—	WESTERN ASST INFLTN LKD INM	12,298	$102K	0.1%	$8.61	—	COM SH BEN INT	95766Q106
—	NUVEEN FLOATING RATE INCOME	12,666	$98,795	0.1%	$7.81	—	COM SHS	6706EN100
XPZCX	PIMCO CALIF MUN INCOME FD II	10,540	$81,158	0.1%	$8.35	—	COM	72201C109
—	PIMCO NEW YORK MUN INCOME FD	12,595	$79,224	0.1%	$6.29	—	COM	72201E105
—	BNY MELLON HIGH YIELD STRATE	26,003	$57,727	0.1%	$2.16	—	SH BEN INT	09660L105
—	VIRTUS STONE HBR EMG MKTS TO	10,218	$52,827	0.1%	$5.17	—	COM	86164W100
—	CREDIT SUISSE HIGH YIELD BD	25,363	$47,936	0.0%	$1.76	—	SH BEN INT	22544F103
—	PUTNAM MASTER INTER INCOME T	12,788	$40,410	0.0%	$3.20	—	SH BEN INT	746909100