Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
DFAC	DIMENSIONAL ETF TRUST	313,126	$9.153M	8.6%	$24.93	—	US CORE EQUITY 2	25434V708
—	PUTNAM MUN OPPORTUNITIES TR	484,967	$4.961M	4.7%	$10.84	—	SH BEN INT	746922103
—	BLACKROCK INCOME TR INC	353,093	$4.301M	4.0%	$12.35	—	COM NEW	09247F209
—	EATON VANCE MUNI INCOME TRUS	431,729	$4.191M	3.9%	$9.89	—	SH BEN INT	27826U108
AAPL	APPLE INC	21,545	$4.148M	3.9%	$140.70	+29.9%	COM	037833100
—	BLACKROCK MUNIYIELD QUALITY	218,336	$2.541M	2.4%	$11.21	—	COM	09254E103
DFUV	DIMENSIONAL ETF TRUST	67,105	$2.498M	2.4%	$33.48	—	US MKTWIDE VALUE	25434V724
DFAU	DIMENSIONAL ETF TRUST	74,233	$2.468M	2.3%	$27.28	—	US CORE EQT MKT	25434V104
—	BLACKROCK MUNIYILD QULT FD I	200,694	$2.446M	2.3%	$11.60	—	COM	09254F100
—	NEUBERGER BERMAN MUN FD INC	223,539	$2.314M	2.2%	$10.29	—	COM	64124P101
—	BLACKROCK MUNIHOLDINGS FD IN	195,924	$2.244M	2.1%	$12.14	—	COM	09253N104
—	NUVEEN AMT FREE MUN CR INC F	185,442	$2.074M	2.0%	$12.14	—	COM	67071L106
DFSV	DIMENSIONAL ETF TRUST	64,030	$1.865M	1.8%	$27.16	—	US SMALL CAP VAL	25434V815
DFAX	DIMENSIONAL ETF TRUST	70,058	$1.711M	1.6%	$21.60	—	WORLD EX US CORE	25434V880
—	EATON VANCE MUN BD FD	169,682	$1.704M	1.6%	$10.34	—	COM	27827X101
—	NUVEEN SELECT TAX-FREE INCOM	101,146	$1.495M	1.4%	$13.91	—	SH BEN INT	67062F100
—	PIMCO CALIF MUN INCOME FD	159,229	$1.484M	1.4%	$9.00	—	COM	72200N106
—	EATON VANCE NATL MUN OPPORT	87,109	$1.474M	1.4%	$16.43	—	COM SHS	27829L105
—	DWS MUN INCOME TR NEW	158,987	$1.413M	1.3%	$8.63	—	COM	233368109
XMUIX	BLACKROCK MUNICIPAL INCOME	110,981	$1.292M	1.2%	$11.35	—	COM	09253X102
DFAT	DIMENSIONAL ETF TRUST	24,628	$1.289M	1.2%	$43.99	—	US TARGETED VLU	25434V609
XOM	EXXON MOBIL CORP	12,649	$1.265M	1.2%	$97.02	+0.6%	COM	30231G102
DFAI	DIMENSIONAL ETF TRUST	44,131	$1.264M	1.2%	$26.64	—	INTL CORE EQT MK	25434V203
XMVFX	BLACKROCK MUNIVEST FD INC	175,943	$1.253M	1.2%	$7.02	—	COM	09253R105
—	BLACKROCK FLOATING RATE INC	100,012	$1.238M	1.2%	$10.94	—	COM	091941104
—	WESTERN ASSET MANAGED MUNS F	108,908	$1.108M	1.0%	$10.14	—	COM	95766M105
—	NUVEEN FLOATING RATE INCOME	125,274	$1.03M	1.0%	$7.96	—	COM	67072T108
RSPT	INVESCO EXCHANGE TRADED FD T	31,289	$1.021M	1.0%	$49.61	—	S&P500 EQL TEC	46137V282
—	BLACKROCK MUN INCOME TR	100,731	$1.014M	1.0%	$10.07	—	SH BEN INT	09248F109
—	BLACKROCK CORE BD TR	91,592	$999K	0.9%	$10.33	—	SHS BEN INT	09249E101
—	BLACKROCK MUNI INCOME TR II	88,390	$944K	0.9%	$10.33	—	COM	09249N101
—	EATON VANCE LTD DURATION INC	96,301	$916K	0.9%	$9.38	—	COM	27828H105
XBFZX	BLACKROCK CALIF MUN INCOME T	75,692	$911K	0.9%	$10.83	—	SH BEN INT	09248E102
—	BLACKROCK MUNIASSETS FD INC	85,561	$906K	0.9%	$10.78	—	COM	09254J102
—	BLACKROCK MUNIHLDNGS CALI QL	79,195	$881K	0.8%	$10.74	—	COM	09254L107
—	BLACKROCK CORPOR HI YLD FD I	87,883	$819K	0.8%	$8.79	—	COM	09255P107
—	BLACKROCK FLOATING RATE INCO	61,444	$778K	0.7%	$11.26	—	COM	09255X100
—	INVESCO HIGH INCOME TR II	71,684	$745K	0.7%	$10.30	—	COM	46131F101
—	NUVEEN CALIFORNIA MUNI VLU F	82,869	$743K	0.7%	$8.45	—	COM STK	67062C107
—	INVESCO ADVANTAGE MUN INCOME	97,512	$727K	0.7%	$8.59	—	SH BEN INT	46132E103
—	NUVEEN PFD & INCOME OPPORTUN	104,441	$706K	0.7%	$7.07	—	COM	67073B106
VTI	VANGUARD INDEX FDS	2,940	$698K	0.7%	$191.22	—	TOTAL STK MKT	922908769
VIG	VANGUARD SPECIALIZED FUNDS	3,973	$677K	0.6%	$151.87	—	DIV APP ETF	921908844
VXUS	VANGUARD STAR FDS	11,243	$652K	0.6%	$51.79	—	VG TL INTL STK F	921909768
—	MFS MUN INCOME TR	115,362	$596K	0.6%	$5.10	—	SH BEN INT	552738106
XMVTX	BLACKROCK MUNIVEST FD II INC	55,235	$595K	0.6%	$10.50	—	COM	09253T101
XBI	SPDR SER TR	6,645	$593K	0.6%	$83.00	—	S&P BIOTECH	78464A870
XENWX	EATON VANCE NEW YORK MUN BD	61,449	$593K	0.6%	$9.01	—	COM	27827Y109
—	PUTNAM MANAGED MUN INCOME TR	95,933	$583K	0.5%	$6.27	—	COM	746823103
—	ALLIANCEBERNSTEIN NATL MUN I	53,294	$578K	0.5%	$10.49	—	COM	01864U106
—	BLACKROCK DEBT STRATEGIES FD	52,726	$569K	0.5%	$9.26	—	COM NEW	09255R202
—	BLACKROCK MUNIYIELD MICH QU	49,422	$561K	0.5%	$11.09	—	COM	09254V105
—	BLACKROCK MUNIHLDGS NJ QLTY	48,288	$551K	0.5%	$11.09	—	COM	09254X101
—	NUVEEN MASSACHUSETS QLT MUN	50,105	$527K	0.5%	$10.56	—	COM	67061E104
—	MFS INVT GRADE MUN TR	69,426	$505K	0.5%	$7.12	—	SH BEN INT	59318B108
—	INVESCO MUNI INCOME OPP TRST	75,200	$478K	0.4%	$6.25	—	COM	46132X101
—	NUVEEN AMT-FREE MUN VALUE FD	34,960	$477K	0.4%	$13.61	—	COM	670695105
—	MFS HIGH INCOME MUN TR	132,616	$471K	0.4%	$3.49	—	SH BEN INT	59318D104
—	PIMCO NEW YORK MUN INCOME FD	59,685	$469K	0.4%	$8.67	—	COM	72200T103
—	NEUBERGER BERMAN HIGH YIELD	59,883	$462K	0.4%	$8.50	—	COM	64128C106
—	PIMCO NEW YORK MUN FD II	60,732	$461K	0.4%	$7.95	—	COM	72200Y102
XBTAX	BLACKROCK LONG-TERM MUN ADVA	43,991	$450K	0.4%	$9.40	—	COM	09250B103
—	PGIM GLOBAL HIGH YIELD FD FO	39,599	$450K	0.4%	$10.84	—	COM	69346J106
XPMAX	PIONEER MUNICIPAL HIGH INCOM	54,827	$440K	0.4%	$8.07	—	COM	723762100
—	INVESCO MUN OPPORTUNITY TR	52,086	$416K	0.4%	$9.91	—	COM	46132C107
—	NUVEEN MUN CR OPPORTUNITIES	40,655	$405K	0.4%	$10.89	—	COM	670663103
—	WESTERN ASSET MUN HIGH INCOM	62,951	$404K	0.4%	$6.38	—	COM	95766N103
—	NUVEEN QUALITY MUNCP INCOME	34,356	$393K	0.4%	$11.67	—	COM	67066V101
XEVMX	EATON VANCE CALIF MUN BD FD	42,259	$387K	0.4%	$8.79	—	COM	27828A100
—	EATON VANCE FLTING RATE INC	30,464	$382K	0.4%	$11.09	—	COM	278279104
—	NUVEEN MUN VALUE FD INC	43,290	$372K	0.4%	$8.60	—	COM	670928100
—	MFS HIGH YIELD MUN TR	111,837	$370K	0.3%	$3.20	—	SH BEN INT	59318E102
—	INVESCO TR INVT GRADE MUNS	37,360	$369K	0.3%	$10.05	—	COM	46131M106
—	BNY MELLON STRATEGIC MUNS IN	60,371	$354K	0.3%	$6.12	—	COM	05588W108
—	INVESCO BD FD	23,214	$353K	0.3%	$15.49	—	COM	46132L107
PFF	ISHARES TR	11,013	$344K	0.3%	$30.55	—	PFD AND INCM SEC	464288687
XPMQX	PIMCO MUN INCOME FD III	43,582	$322K	0.3%	$8.71	—	COM	72201A103
—	EATON VANCE MUN INCOME 2028	17,974	$312K	0.3%	$17.83	—	SHS	27829U105
—	ABRDN NATL MUN INCOME FD	30,261	$309K	0.3%	$10.45	—	SH BEN INT	24610T108
—	PIMCO DYNAMIC INCOME FD	17,126	$307K	0.3%	$18.48	—	SHS	72201Y101
—	INVESCO MUNICIPAL TRUST	31,354	$299K	0.3%	$9.90	—	COM	46131J103
—	DWS STRATEGIC MUN INCOME TR	33,639	$291K	0.3%	$8.17	—	COM	23342Q101
XPHDX	PIONEER FLOATING RATE FUND I	31,335	$287K	0.3%	$8.77	—	COM	72369J102
VBR	VANGUARD INDEX FDS	1,591	$286K	0.3%	$161.05	—	SM CP VAL ETF	922908611
—	EATON VANCE SHORT DURATION D	27,256	$283K	0.3%	$10.17	—	COM	27828V104
—	BNY MELLON HIGH YIELD STRATE	121,303	$278K	0.3%	$2.26	—	SH BEN INT	09660L105
IYY	ISHARES TR	2,321	$270K	0.3%	$93.45	—	DOW JONES US ETF	464287846
—	BNY MELLON MUN INCOME INC	39,645	$258K	0.2%	$6.21	—	COM	05589T104
—	ABRDN INCOME CREDIT STRATEGI	37,448	$255K	0.2%	$6.67	—	COM	003057106
CBU	COMMUNITY BK SYS INC	4,825	$251K	0.2%	$56.05	-25.6%	COM	203607106
—	NUVEEN N Y MUN VALUE FD	29,908	$248K	0.2%	$8.26	—	COM	67062M105
—	HIGHLAND OPPORTUNITIES	31,849	$245K	0.2%	$10.24	—	HIGHLAND INCOME	43010E404
—	INVESCO SR INCOME TR	59,405	$244K	0.2%	$3.83	—	COM	46131H107
—	BLACKROCK TAX MUNICPAL BD TR	14,968	$243K	0.2%	$17.92	—	SHS	09248X100
ES	EVERSOURCE ENERGY	3,924	$242K	0.2%	$68.99	-24.6%	COM	30040W108
—	WESTERN ASSET PREMIER BD FD	22,281	$241K	0.2%	$10.19	—	SHS BEN INT	957664105
—	BLACKROCK MUN TARGET TERM TR	11,546	$240K	0.2%	$20.80	—	COM SHS BEN IN	09257P105
—	DOUBLELINE OPPORTUNISTIC CR	15,483	$238K	0.2%	$14.84	—	COM	258623107
—	PUTNAM MASTER INTER INCOME T	73,799	$235K	0.2%	$3.05	—	SH BEN INT	746909100
XBKNX	BLACKROCK INVT QUALITY MUN T	19,848	$235K	0.2%	$11.72	—	COM	09247D105
VT	VANGUARD INTL EQUITY INDEX F	2,205	$227K	0.2%	$86.17	—	TT WRLD ST ETF	922042742
—	PIMCO MUN INCOME FD	23,775	$222K	0.2%	$10.31	—	COM	72200R107
—	NUVEEN MUN HIGH INCOME OPPOR	22,153	$219K	0.2%	$9.88	—	COM	670682103
VFVA	VANGUARD WELLINGTON FD	1,920	$216K	0.2%	$112.70	—	US VALUE FACTR	921935805
—	EATON VANCE CALIF MUN INCOM	20,557	$213K	0.2%	$9.98	—	SH BEN INT	27826F101
—	PIMCO NEW YORK MUN INCOME FD	34,423	$205K	0.2%	$6.08	—	COM	72201E105
—	CALAMOS CONV & HIGH INCOME F	17,833	$205K	0.2%	$10.55	—	COM SHS	12811P108
VWO	VANGUARD INTL EQUITY INDEX F	4,973	$204K	0.2%	$41.10	—	FTSE EMR MKT ETF	922042858
—	HIGH INCOME SECS FD	31,632	$203K	0.2%	$6.50	—	SHS BEN INT	42968F108
—	HANCOCK JOHN INCOME SECS TR	18,518	$201K	0.2%	$10.65	—	COM	410123103
—	BNY MELLON MUN BD INFRASTRUC	19,456	$201K	0.2%	$10.46	—	COM SHS	09662W109
—	BROOKFIELD REAL ASSETS INCOM	15,287	$196K	0.2%	$12.81	—	SHS BEN INT	112830104
—	BNY MELLON STRATEGIC MUN BD	31,879	$182K	0.2%	$5.71	—	COM	09662E109
—	NUVEEN MORTGAGE AND INCOME F	10,743	$181K	0.2%	$16.88	—	COM	670735109
—	NUVEEN CA QUALTY MUN INCOME	16,263	$180K	0.2%	$11.08	—	COM	67066Y105
CCIF	CARLYLE CREDIT INCOME FUND	22,584	$180K	0.2%	$8.67	—	SHS BEN INT	92535C104
XMIOX	PIONEER MUN HIGH INCOME OPPO	16,850	$178K	0.2%	$10.57	—	COMMON STOCK	723760104
—	BLACKROCK MUNIHOLDINGS QUALI	17,761	$178K	0.2%	$9.95	—	COM	09254C107
—	WESTERN ASSET INTER MUNI FD	22,747	$175K	0.2%	$7.59	—	COM	958435109
XMQTX	BLACKROCK MUNIYIELD QUALITY	16,331	$169K	0.2%	$10.27	—	COM	09254G108
—	APOLLO SR FLOATING RATE FD I	12,158	$161K	0.2%	$12.41	—	COM	037636107
—	RIVERNORTH MANAGED DUR MUN I	10,847	$154K	0.1%	$14.40	—	COM	76882H105
—	DTF TAX-FREE INCOME 2028 TER	14,303	$154K	0.1%	$10.91	—	COM	23334J107
—	CALAMOS CONV OPPORTUNITIES &	13,923	$144K	0.1%	$10.51	—	SH BEN INT	128117108
—	INVESCO QUALITY MUN INCOME T	15,158	$144K	0.1%	$9.42	—	COM	46133G107
—	NUVEEN REAL ASSET INCOME & G	12,098	$142K	0.1%	$11.70	—	COM	67074Y105
—	BLACKROCK CR ALLOCATION INCO	13,176	$136K	0.1%	$10.10	—	COM	092508100
—	NUVEEN MUNICIPAL CREDIT INC	11,231	$133K	0.1%	$12.08	—	COM SH BEN INT	67070X101
—	ADVENT CONV & INCOME FD	11,246	$128K	0.1%	$10.90	—	COM	00764C109
—	TEMPLETON GLOBAL INCOME FD	33,750	$128K	0.1%	$4.14	—	COM	880198106
—	BLACKSTONE STRATEGIC CRED 20	11,167	$126K	0.1%	$10.93	—	COM SHS BEN IN	09257R101
—	EATON VANCE SR INCOME TR	19,797	$125K	0.1%	$5.27	—	SH BEN INT	27826S103
—	VIRTUS CONVERTIBLE & INCOME	36,204	$122K	0.1%	$3.40	—	COM	92838X102
—	BLACKROCK MUNIHLDGS NY QLTY	11,600	$122K	0.1%	$10.27	—	COM	09255C106
—	VIRTUS STONE HBR EMRG MKTS I	26,788	$115K	0.1%	$4.31	—	COM	86164T107
—	WESTERN ASST INFLTN LKD INM	12,298	$99,857	0.1%	$8.61	—	COM SH BEN INT	95766Q106
—	ABRDN ASIA PACIFIC INCOME FU	35,359	$95,824	0.1%	$2.64	—	COM	003009107
—	MFS INTER INCOME TR	34,133	$91,477	0.1%	$2.74	—	SH BEN INT	55273C107
XPZCX	PIMCO CALIF MUN INCOME FD II	10,540	$77,680	0.1%	$8.35	—	COM	72201C109
—	WESTERN ASSET HIGH INCOME OP	18,950	$73,147	0.1%	$3.78	—	COM	95766K109
—	CREDIT SUISSE HIGH YIELD BD	25,363	$50,219	0.0%	$1.76	—	SH BEN INT	22544F103