Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
IVV	ISHARES TR	80,348	$34.5M	19.3%	$429.43	$386.90	—	CORE S&P500 ETF	464287200
VUG	VANGUARD INDEX FDS	57,839	$15.75M	8.8%	$272.33	$216.22	—	GROWTH ETF	922908736
SCHZ	SCHWAB STRATEGIC TR	347,825	$15.38M	8.6%	$44.23	$45.64	—	US AGGREGATE B	808524839
VTV	VANGUARD INDEX FDS	110,214	$15.2M	8.5%	$137.94	$140.31	—	VALUE ETF	922908744
VEA	VANGUARD TAX-MANAGED FDS	316,807	$13.85M	7.7%	$43.72	$42.25	—	VAN FTSE DEV MKT	921943858
SCHA	SCHWAB STRATEGIC TR	301,949	$12.51M	7.0%	$41.42	$40.64	—	US SML CAP ETF	808524607
BNDX	VANGUARD CHARLOTTE FDS	231,696	$11.08M	6.2%	$47.83	$47.54	—	TOTAL INT BD ETF	92203J407
FNDF	SCHWAB STRATEGIC TR	281,300	$8.909M	5.0%	$31.67	$29.28	—	SCHWB FDT INT LG	808524755
MUB	ISHARES TR	81,558	$8.363M	4.7%	$102.54	$106.73	—	NATIONAL MUN ETF	464288414
SCHF	SCHWAB STRATEGIC TR	162,920	$5.533M	3.1%	$33.96	$32.21	—	INTL EQTY ETF	808524805
REET	ISHARES TR	229,127	$4.851M	2.7%	$21.17	$22.68	—	GLOBAL REIT ETF	46434V647
MGC	VANGUARD WORLD FD	30,906	$4.694M	2.6%	$151.87	$143.13	—	MEGA CAP INDEX	921910873
SCHV	SCHWAB STRATEGIC TR	50,471	$3.253M	1.8%	$64.46	$66.02	—	US LCAP VA ETF	808524409
—	ISHARES TR	103,031	$2.548M	1.4%	$24.73	$24.43	—	IBONDS DEC24 ETF	46434VBG4
—	ISHARES TR	96,603	$2.45M	1.4%	$25.36	$25.03	—	IBONDS DEC23 ETF	46434VAX8
RSP	INVESCO EXCHANGE TRADED FD T	17,194	$2.436M	1.4%	$141.69	$141.25	—	S&P500 EQL WGT	46137V357
CBU	COMMUNITY BK SYS INC	44,863	$1.894M	1.1%	$42.21 *	$44.65	-2.5%	COM	203607106
VNQ	VANGUARD INDEX FDS	21,211	$1.605M	0.9%	$75.66	$82.49	—	REAL ESTATE ETF	922908553
AAPL	APPLE INC	8,445	$1.446M	0.8%	$171.21 *	$141.18	+28.4%	COM	037833100
APH	AMPHENOL CORP NEW	13,561	$1.139M	0.6%	$83.99 *	$36.78	+14.6%	CL A	032095101
RTX	RTX CORPORATION	14,947	$1.076M	0.6%	$71.97 *	$87.65	-7.3%	COM	75513E101
MSFT	MICROSOFT CORP	2,772	$875K	0.5%	$315.76 *	$239.29	+35.6%	COM	594918104
CARR	CARRIER GLOBAL CORPORATION	13,381	$739K	0.4%	$55.20 *	$38.88	+37.4%	COM	14448C104
VB	VANGUARD INDEX FDS	3,824	$723K	0.4%	$189.14	$183.67	—	SMALL CP ETF	922908751
URTH	ISHARES INC	5,196	$624K	0.3%	$120.17	$117.59	—	MSCI WORLD ETF	464286392
EFA	ISHARES TR	8,730	$602K	0.3%	$68.92	$65.63	—	MSCI EAFE ETF	464287465
OTIS	OTIS WORLDWIDE CORP	6,690	$537K	0.3%	$80.31 *	$70.16	+17.1%	COM	68902V107
TOTL	SSGA ACTIVE ETF TR	13,041	$504K	0.3%	$38.65	$40.03	—	SPDR TR TACTIC	78467V848
VOO	VANGUARD INDEX FDS	1,251	$491K	0.3%	$392.70	$351.45	—	S&P 500 ETF SHS	922908363
SCHB	SCHWAB STRATEGIC TR	8,061	$402K	0.2%	$49.85	$44.86	—	US BRD MKT ETF	808524102
HD	HOME DEPOT INC	1,308	$395K	0.2%	$302.16	$281.19	+7.7%	COM	437076102
SPY	SPDR S&P 500 ETF TR	914	$391K	0.2%	$427.48	$382.40	—	TR UNIT	78462F103
MRK	MERCK & CO INC	3,208	$330K	0.2%	$102.95 *	$92.80	+7.6%	COM	58933Y105
XOM	EXXON MOBIL CORP	2,802	$330K	0.2%	$117.60 *	$96.28	+4.9%	COM	30231G102
—	ISHARES TR	12,946	$315K	0.2%	$24.37	$24.35	—	IBONDS DEC25 ETF	46434VBD1
JPM	JPMORGAN CHASE & CO	2,117	$307K	0.2%	$145.02	$121.91	+16.7%	COM	46625H100
IXUS	ISHARES TR	5,038	$302K	0.2%	$59.99	$57.82	—	CORE MSCI TOTAL	46432F834
AMGN	AMGEN INC	1,078	$290K	0.2%	$268.76 *	$231.86	0.0%	COM	031162100
V	VISA INC	1,230	$283K	0.2%	$230.01 *	$196.98	+19.9%	COM CL A	92826C839
NVDA	NVIDIA CORPORATION	596	$259K	0.1%	$435.01 *	$35.12	+27.5%	COM	67066G104
META	META PLATFORMS INC	811	$243K	0.1%	$300.21	$299.21	0.0%	CL A	30303M102
SCHD	SCHWAB STRATEGIC TR	3,329	$236K	0.1%	$70.76	$75.40	—	US DIVIDEND EQ	808524797
SHW	SHERWIN WILLIAMS CO	900	$230K	0.1%	$255.05 *	$224.77	+16.7%	COM	824348106
SCHG	SCHWAB STRATEGIC TR	3,145	$229K	0.1%	$72.72	$65.18	—	US LCAP GR ETF	808524300
JNJ	JOHNSON & JOHNSON	1,437	$224K	0.1%	$155.72	$153.28	0.0%	COM	478160104
PG	PROCTER AND GAMBLE CO	1,468	$214K	0.1%	$145.87	$144.12	0.0%	COM	742718109
SO	SOUTHERN CO	3,271	$212K	0.1%	$64.72	$59.62	+7.0%	COM	842587107