Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
DFAC	DIMENSIONAL ETF TRUST	273,544	$7.167M	7.8%	$24.30	—	US CORE EQUITY 2	25434V708
—	PUTNAM MUN OPPORTUNITIES TR	484,293	$4.455M	4.8%	$10.84	—	SH BEN INT	746922103
—	BLACKROCK INCOME TR INC	347,800	$3.958M	4.3%	$12.35	—	COM NEW	09247F209
—	EATON VANCE MUNI INCOME TRUS	430,753	$3.838M	4.2%	$9.89	—	SH BEN INT	27826U108
AAPL	APPLE INC	21,807	$3.734M	4.1%	$140.70	+28.9%	COM	037833100
DFUV	DIMENSIONAL ETF TRUST	70,806	$2.409M	2.6%	$33.48	—	US MKTWIDE VALUE	25434V724
DFAU	DIMENSIONAL ETF TRUST	74,404	$2.228M	2.4%	$27.28	—	US CORE EQT MKT	25434V104
—	BLACKROCK MUNIYIELD QUALITY	217,958	$2.082M	2.3%	$11.21	—	COM	09254E103
—	BLACKROCK MUNIHOLDINGS FD IN	198,980	$2.051M	2.2%	$12.14	—	COM	09253N104
—	BLACKROCK MUNIYILD QULT FD I	200,245	$2.049M	2.2%	$11.60	—	COM	09254F100
XOM	EXXON MOBIL CORP	16,777	$1.973M	2.1%	$97.02	+4.1%	COM	30231G102
—	NUVEEN AMT FREE MUN CR INC F	185,440	$1.912M	2.1%	$12.14	—	COM	67071L106
DFAX	DIMENSIONAL ETF TRUST	72,335	$1.629M	1.8%	$21.60	—	WORLD EX US CORE	25434V880
—	EATON VANCE MUN BD FD	165,823	$1.486M	1.6%	$10.34	—	COM	27827X101
—	NEUBERGER BRMAN CLIFRN MUNI	150,222	$1.471M	1.6%	$11.30	—	COM	64123C101
—	EATON VANCE NATL MUN OPPORT	87,039	$1.412M	1.5%	$16.43	—	COM SHS	27829L105
—	NUVEEN SELECT TAX-FREE INCOM	101,232	$1.346M	1.5%	$13.91	—	SH BEN INT	67062F100
—	BLACKROCK FLOATING RATE INC	99,547	$1.201M	1.3%	$10.94	—	COM	091941104
DFAT	DIMENSIONAL ETF TRUST	25,659	$1.172M	1.3%	$43.99	—	US TARGETED VLU	25434V609
—	DWS MUN INCOME TR	150,177	$1.156M	1.3%	$8.61	—	COM	233368109
—	PIMCO CALIF MUN INCOME FD	138,418	$1.154M	1.3%	$8.95	—	COM	72200N106
XMUIX	BLACKROCK MUNICIPAL INCOME	106,982	$1.086M	1.2%	$11.34	—	COM	09253X102
—	NUVEEN FLOATING RATE INCOME	130,218	$1.069M	1.2%	$7.96	—	COM	67072T108
XMVFX	BLACKROCK MUNIVEST FD INC	166,860	$1.011M	1.1%	$7.01	—	COM	09253R105
—	BLACKROCK MUN INCOME TR	107,122	$950K	1.0%	$10.07	—	SH BEN INT	09248F109
—	EATON VANCE LTD DURATION INC	103,735	$938K	1.0%	$9.38	—	COM	27828H105
RSPT	INVESCO EXCHANGE TRADED FD T	31,254	$880K	1.0%	$49.61	—	S&P500 EQL TEC	46137V282
—	BLACKROCK CORE BD TR	84,720	$842K	0.9%	$10.28	—	SHS BEN INT	09249E101
—	BLACKROCK MUNI INCOME TR II	87,825	$803K	0.9%	$10.33	—	COM	09249N101
—	BLACKROCK FLOATING RATE INCO	61,894	$781K	0.8%	$11.26	—	COM	09255X100
XBFZX	BLACKROCK CALIF MUN INCOME T	75,505	$777K	0.8%	$10.83	—	SH BEN INT	09248E102
—	BLACKROCK MUNIASSETS FD INC	85,244	$767K	0.8%	$10.78	—	COM	09254J102
—	BLACKROCK MUNIHLDNGS CALI QL	78,927	$755K	0.8%	$10.74	—	COM	09254L107
DFSV	DIMENSIONAL ETF TRUST	29,776	$755K	0.8%	$24.90	—	US SMALL CAP VAL	25434V815
—	WESTERN ASSET MUN PARTNERS F	68,905	$729K	0.8%	$11.64	—	COM	95766P108
—	INVESCO ADVANTAGE MUN INCOME	97,480	$722K	0.8%	$8.59	—	SH BEN INT	46132E103
—	BLACKROCK CORPOR HI YLD FD I	83,358	$719K	0.8%	$8.76	—	COM	09255P107
—	INVESCO HIGH INCOME TR II	71,408	$710K	0.8%	$10.30	—	COM	46131F101
—	NUVEEN CALIFORNIA MUNI VLU F	82,997	$681K	0.7%	$8.45	—	COM STK	67062C107
DFAI	DIMENSIONAL ETF TRUST	25,006	$653K	0.7%	$25.11	—	INTL CORE EQT MK	25434V203
VTI	VANGUARD INDEX FDS	2,938	$624K	0.7%	$191.22	—	TOTAL STK MKT	922908769
VIG	VANGUARD SPECIALIZED FUNDS	4,007	$623K	0.7%	$151.87	—	DIV APP ETF	921908844
VXUS	VANGUARD STAR FDS	11,110	$595K	0.6%	$51.72	—	VG TL INTL STK F	921909768
—	MFS MUN INCOME TR	115,362	$525K	0.6%	$5.10	—	SH BEN INT	552738106
—	PUTNAM MANAGED MUN INCOME TR	95,836	$524K	0.6%	$6.27	—	COM	746823103
—	BLACKROCK DEBT STRATEGIES FD	51,005	$524K	0.6%	$9.21	—	COM NEW	09255R202
XMVTX	BLACKROCK MUNIVEST FD II INC	55,208	$513K	0.6%	$10.50	—	COM	09253T101
XENWX	EATON VANCE NEW YORK MUN BD	61,296	$508K	0.6%	$9.01	—	COM	27827Y109
—	ALLIANCEBERNSTEIN NATL MUN I	53,357	$498K	0.5%	$10.49	—	COM	01864U106
—	BLACKROCK MUNIYIELD MICH QU	49,416	$491K	0.5%	$11.09	—	COM	09254V105
XBI	SPDR SER TR	6,644	$485K	0.5%	$83.00	—	S&P BIOTECH	78464A870
—	BLACKROCK MUNIHLDGS NJ QLTY	47,934	$485K	0.5%	$11.09	—	COM	09254X101
—	MFS INVT GRADE MUN TR	67,900	$480K	0.5%	$7.12	—	SH BEN INT	59318B108
—	NUVEEN AMT-FREE MUN VALUE FD	34,913	$468K	0.5%	$13.61	—	COM	670695105
—	NEUBERGER BERMAN HIGH YIELD	59,574	$449K	0.5%	$8.50	—	COM	64128C106
—	NUVEEN MASSACHUSETS QLT MUN	46,140	$437K	0.5%	$10.57	—	COM	67061E104
—	INVESCO MUN OPPORTUNITY TR	52,074	$429K	0.5%	$9.91	—	COM	46132C107
—	PGIM GLOBAL HIGH YIELD FD FO	39,395	$425K	0.5%	$10.84	—	COM	69346J106
—	INVESCO MUNI INCOME OPP TRST	71,605	$416K	0.5%	$6.24	—	COM	46132X101
—	MFS HIGH INCOME MUN TR	132,353	$413K	0.4%	$3.49	—	SH BEN INT	59318D104
—	EATON VANCE FLTING RATE INC	32,814	$404K	0.4%	$11.09	—	COM	278279104
—	NUVEEN PFD & INCOME OPPORTUN	63,037	$399K	0.4%	$7.28	—	COM	67073B106
XBTAX	BLACKROCK LONG-TERM MUN ADVA	43,991	$395K	0.4%	$9.40	—	COM	09250B103
—	PIMCO NEW YORK MUN FD II	60,632	$389K	0.4%	$7.95	—	COM	72200Y102
—	WESTERN ASSET MUN HIGH INCOM	62,650	$382K	0.4%	$6.38	—	COM	95766N103
—	MFS HIGH YIELD MUN TR	121,769	$381K	0.4%	$3.20	—	SH BEN INT	59318E102
—	NUVEEN MUN VALUE FD INC	43,191	$357K	0.4%	$8.60	—	COM	670928100
—	NUVEEN MUN CR OPPORTUNITIES	36,555	$354K	0.4%	$10.99	—	COM	670663103
—	EATON VANCE MUN INCOME 2028	20,628	$350K	0.4%	$17.83	—	SHS	27829U105
—	NUVEEN QUALITY MUNCP INCOME	34,356	$348K	0.4%	$11.67	—	COM	67066V101
—	INVESCO BD FD	23,214	$336K	0.4%	$15.49	—	COM	46132L107
—	PIMCO NEW YORK MUN INCOME FD	46,299	$334K	0.4%	$8.91	—	COM	72200T103
PFF	ISHARES TR	10,788	$325K	0.4%	$30.54	—	PFD AND INCM SEC	464288687
—	NEUBERGER BERMAN MUN FD INC	35,076	$323K	0.4%	$9.94	—	COM	64124P101
—	INVESCO TR INVT GRADE MUNS	37,360	$318K	0.3%	$10.05	—	COM	46131M106
—	PIMCO DYNAMIC INCOME FD	17,126	$296K	0.3%	$18.48	—	SHS	72201Y101
—	EATON VANCE SHORT DURATION D	27,897	$289K	0.3%	$10.17	—	COM	27828V104
—	NUVEEN PFD & INCOME SECS FD	45,781	$282K	0.3%	$6.76	—	COM	67072C105
XPHDX	PIONEER FLOATING RATE FUND I	31,308	$282K	0.3%	$8.77	—	COM	72369J102
XPMQX	PIMCO MUN INCOME FD III	43,561	$282K	0.3%	$8.71	—	COM	72201A103
—	BNY MELLON STRATEGIC MUNS IN	49,620	$264K	0.3%	$6.18	—	COM	05588W108
—	INVESCO MUNICIPAL TRUST	31,158	$260K	0.3%	$9.90	—	COM	46131J103
—	WESTERN ASSET MANAGED MUNS F	29,012	$259K	0.3%	$10.07	—	COM	95766M105
—	HIGHLAND OPPORTUNITIES	31,771	$255K	0.3%	$10.24	—	HIGHLAND INCOME	43010E404
—	ABRDN INCOME CREDIT STRATEGI	37,521	$255K	0.3%	$6.67	—	COM	003057106
—	DWS STRATEGIC MUN INCOME TR	33,570	$253K	0.3%	$8.17	—	COM	23342Q101
—	NUVEEN N Y MUN VALUE FD	31,408	$252K	0.3%	$8.26	—	COM	67062M105
—	PUTNAM MASTER INTER INCOME T	81,054	$245K	0.3%	$3.05	—	SH BEN INT	746909100
IYY	ISHARES TR	2,321	$242K	0.3%	$93.45	—	DOW JONES US ETF	464287846
XEVMX	EATON VANCE CALIF MUN BD FD	29,605	$240K	0.3%	$8.64	—	COM	27828A100
—	WESTERN ASSET PREMIER BD FD	23,399	$236K	0.3%	$10.19	—	SHS BEN INT	957664105
—	INVESCO SR INCOME TR	59,244	$232K	0.3%	$3.83	—	COM	46131H107
ES	EVERSOURCE ENERGY	3,909	$227K	0.2%	$68.99	-13.8%	COM	30040W108
VBR	VANGUARD INDEX FDS	1,423	$227K	0.2%	$158.81	—	SM CP VAL ETF	922908611
—	BLACKROCK TAX MUNICPAL BD TR	14,893	$226K	0.2%	$17.92	—	SHS	09248X100
—	BNY MELLON MUN INCOME INC	39,577	$224K	0.2%	$6.21	—	COM	05589T104
—	DOUBLELINE OPPORTUNISTIC CR	15,311	$223K	0.2%	$14.84	—	COM	258623107
—	ABRDN NATL MUN INCOME FD	25,422	$219K	0.2%	$10.49	—	SH BEN INT	24610T108
XPMAX	PIONEER MUNICIPAL HIGH INCOM	31,084	$209K	0.2%	$8.10	—	COM	723762100
CBU	COMMUNITY BK SYS INC	4,875	$206K	0.2%	$56.05	-22.3%	COM	203607106
VT	VANGUARD INTL EQUITY INDEX F	2,185	$204K	0.2%	$86.17	—	TT WRLD ST ETF	922042742
XBKNX	BLACKROCK INVT QUALITY MUN T	19,817	$201K	0.2%	$11.72	—	COM	09247D105
—	CALAMOS CONV & HIGH INCOME F	17,833	$199K	0.2%	$10.55	—	COM SHS	12811P108
—	HANCOCK JOHN INCOME SECS TR	18,510	$190K	0.2%	$10.65	—	COM	410123103
—	TEMPLETON GLOBAL INCOME FD	48,750	$188K	0.2%	$4.14	—	COM	880198106
—	EATON VANCE CALIF MUN INCOM	20,453	$187K	0.2%	$9.98	—	SH BEN INT	27826F101
—	HIGH INCOME SECS FD	30,118	$186K	0.2%	$6.50	—	SHS BEN INT	42968F108
CCIF	CARLYLE CREDIT INCOME FUND	22,187	$181K	0.2%	$8.68	—	SHS BEN INT	92535C104
—	PIMCO MUN INCOME FD	21,293	$179K	0.2%	$10.43	—	COM	72200R107
—	WESTERN ASSET INTER MUNI FD	22,747	$163K	0.2%	$7.59	—	COM	958435109
—	APOLLO SR FLOATING RATE FD I	11,909	$160K	0.2%	$12.39	—	COM	037636107
—	BLACKROCK MUNIHOLDINGS QUALI	17,557	$154K	0.2%	$9.95	—	COM	09254C107
—	DTF TAX-FREE INCOME 2028 TER	14,256	$152K	0.2%	$10.91	—	COM	23334J107
—	RIVERNORTH MANAGED DUR MUN I	10,847	$149K	0.2%	$14.40	—	COM	76882H105
—	CALAMOS CONV OPPORTUNITIES &	13,850	$146K	0.2%	$10.51	—	SH BEN INT	128117108
XMQTX	BLACKROCK MUNIYIELD QUALITY	16,207	$146K	0.2%	$10.27	—	COM	09254G108
—	BNY MELLON MUN BD INFRASTRUC	14,440	$143K	0.2%	$10.51	—	COM SHS	09662W109
—	MFS INTER INCOME TR	50,633	$136K	0.1%	$2.74	—	SH BEN INT	55273C107
—	NUVEEN REAL ASSET INCOME & G	12,098	$128K	0.1%	$11.70	—	COM	67074Y105
—	BLACKROCK CR ALLOCATION INCO	13,102	$127K	0.1%	$10.10	—	COM	092508100
—	INVESCO QUALITY MUN INCOME T	14,976	$126K	0.1%	$9.42	—	COM	46133G107
—	BLACKSTONE STRATEGIC CRED 20	11,167	$123K	0.1%	$10.93	—	COM SHS BEN IN	09257R101
XEGFX	BLACKROCK ENHANCED GOVT FD I	12,327	$121K	0.1%	$9.55	—	COM	09255K108
—	ADVENT CONV & INCOME FD	11,185	$117K	0.1%	$10.90	—	COM	00764C109
—	NUVEEN MUNICIPAL CREDIT INC	11,219	$117K	0.1%	$12.08	—	COM SH BEN INT	67070X101
—	EATON VANCE SR INCOME TR	19,797	$117K	0.1%	$5.27	—	SH BEN INT	27826S103
—	NUVEEN CA QUALTY MUN INCOME	11,996	$116K	0.1%	$11.07	—	COM	67066Y105
—	VIRTUS CONVERTIBLE & INCOME	36,204	$113K	0.1%	$3.40	—	COM	92838X102
—	BLACKROCK MUNIHLDGS NY QLTY	11,600	$106K	0.1%	$10.27	—	COM	09255C106
—	WESTERN ASSET HIGH INCOME OP	27,593	$100K	0.1%	$3.78	—	COM	95766K109
—	WESTERN ASST INFLTN LKD INM	12,298	$96,168	0.1%	$8.61	—	COM SH BEN INT	95766Q106
—	ABRDN ASIA PACIFIC INCOME FU	35,359	$86,630	0.1%	$2.64	—	COM	003009107
XPZCX	PIMCO CALIF MUN INCOME FD II	10,540	$72,199	0.1%	$8.35	—	COM	72201C109
—	PIMCO NEW YORK MUN INCOME FD	12,748	$67,690	0.1%	$6.28	—	COM	72201E105
—	BNY MELLON HIGH YIELD STRATE	26,103	$55,860	0.1%	$2.16	—	SH BEN INT	09660L105
—	PUTNAM PREMIER INCOME TR	16,500	$55,275	0.1%	$3.35	—	SH BEN INT	746853100
—	VIRTUS STONE HBR EMG MKTS TO	10,218	$53,543	0.1%	$5.17	—	COM	86164W100
—	CREDIT SUISSE HIGH YIELD BD	25,363	$47,683	0.1%	$1.76	—	SH BEN INT	22544F103