Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	82,570	$47.63M	24.3%	$396.91	—	CORE S&P500 ETF	464287200
VTV	VANGUARD INDEX FDS	130,592	$22.8M	11.6%	$143.23	—	VALUE ETF	922908744
VUG	VANGUARD INDEX FDS	59,098	$22.69M	11.6%	$219.48	—	GROWTH ETF	922908736
VEA	VANGUARD TAX-MANAGED FDS	338,687	$17.89M	9.1%	$42.97	—	VAN FTSE DEV MKT	921943858
BSV	VANGUARD BD INDEX FDS	148,894	$11.72M	6.0%	$76.98	—	SHORT TRM BOND	921937827
VWO	VANGUARD INTL EQUITY INDEX F	179,876	$8.607M	4.4%	$41.12	—	FTSE EMR MKT ETF	922042858
BND	VANGUARD BD INDEX FDS	106,093	$7.975M	4.1%	$74.67	—	TOTAL BND MRKT	921937835
REET	ISHARES TR	269,669	$7.197M	3.7%	$22.95	—	GLOBAL REIT ETF	46434V647
MGC	VANGUARD WORLD FD	26,347	$5.444M	2.8%	$143.13	—	MEGA CAP INDEX	921910873
SCHF	SCHWAB STRATEGIC TR	128,146	$5.269M	2.7%	$32.21	—	INTL EQTY ETF	808524805
MUB	ISHARES TR	40,639	$4.415M	2.3%	$106.76	—	NATIONAL MUN ETF	464288414
SCHV	SCHWAB STRATEGIC TR	49,382	$3.969M	2.0%	$66.02	—	US LCAP VA ETF	808524409
RSP	INVESCO EXCHANGE TRADED FD T	16,312	$2.922M	1.5%	$141.25	—	S&P500 EQL WGT	46137V357
—	ISHARES TR	111,944	$2.822M	1.4%	$24.49	—	IBONDS DEC24 ETF	46434VBG4
CBU	COMMUNITY FINANCIAL SYSTEM I	44,863	$2.605M	1.3%	$54.73	0.0%	COM	203607106
VNQ	VANGUARD INDEX FDS	21,329	$2.078M	1.1%	$82.66	—	REAL ESTATE ETF	922908553
AAPL	APPLE INC	8,370	$1.95M	1.0%	$141.18	+57.2%	COM	037833100
RTX	RTX CORPORATION	14,947	$1.811M	0.9%	$87.65	+26.7%	COM	75513E101
SCHE	SCHWAB STRATEGIC TR	55,271	$1.613M	0.8%	$24.79	—	EMRG MKTEQ ETF	808524706
MSFT	MICROSOFT CORP	2,612	$1.124M	0.6%	$239.29	+76.8%	COM	594918104
CARR	CARRIER GLOBAL CORPORATION	13,381	$1.077M	0.5%	$38.88	+76.2%	COM	14448C104
VB	VANGUARD INDEX FDS	3,797	$901K	0.5%	$183.67	—	SMALL CP ETF	922908751
NVDA	NVIDIA CORPORATION	6,310	$766K	0.4%	$95.11	+24.1%	COM	67066G104
OTIS	OTIS WORLDWIDE CORP	6,690	$695K	0.4%	$70.16	+32.6%	COM	68902V107
APH	AMPHENOL CORP NEW	10,284	$670K	0.3%	$64.05	0.0%	CL A	032095101
EFA	ISHARES TR	7,592	$635K	0.3%	$65.63	—	MSCI EAFE ETF	464287465
URTH	ISHARES INC	3,688	$579K	0.3%	$117.59	—	MSCI WORLD ETF	464286392
TOTL	SSGA ACTIVE ETF TR	13,041	$540K	0.3%	$40.03	—	SPDR TR TACTIC	78467V848
HD	HOME DEPOT INC	1,308	$530K	0.3%	$281.19	+25.4%	COM	437076102
SPY	SPDR S&P 500 ETF TR	914	$524K	0.3%	$382.40	—	TR UNIT	78462F103
SCHB	SCHWAB STRATEGIC TR	7,648	$509K	0.3%	$44.86	—	US BRD MKT ETF	808524102
JPM	JPMORGAN CHASE & CO.	2,257	$476K	0.2%	$125.40	+63.4%	COM	46625H100
—	ISHARES TR	18,830	$473K	0.2%	$24.63	—	IBONDS DEC25 ETF	46434VBD1
NFG	NATIONAL FUEL GAS CO	6,690	$405K	0.2%	$54.82	+6.7%	COM	636180101
MRK	MERCK & CO INC	3,208	$364K	0.2%	$92.80	+21.7%	COM	58933Y105
V	VISA INC	1,305	$359K	0.2%	$202.53	+32.2%	COM CL A	92826C839
—	ISHARES TR	13,538	$353K	0.2%	$25.93	—	IBONDS DEC	46435U697
CAT	CATERPILLAR INC	877	$343K	0.2%	$251.22	+34.8%	COM	149123101
AMGN	AMGEN INC	1,041	$335K	0.2%	$231.86	+35.1%	COM	031162100
SHW	SHERWIN WILLIAMS CO	873	$333K	0.2%	$228.44	+51.0%	COM	824348106
XOM	EXXON MOBIL CORP	2,802	$329K	0.2%	$96.28	+14.3%	COM	30231G102
SCHG	SCHWAB STRATEGIC TR	3,145	$328K	0.2%	$65.18	—	US LCAP GR ETF	808524300
VOO	VANGUARD INDEX FDS	592	$312K	0.2%	$351.45	—	S&P 500 ETF SHS	922908363
SCHD	SCHWAB STRATEGIC TR	3,329	$281K	0.1%	$75.40	—	US DIVIDEND EQ	808524797
META	META PLATFORMS INC	460	$263K	0.1%	$327.83	+56.2%	CL A	30303M102
SO	SOUTHERN CO	2,671	$241K	0.1%	$59.86	+36.4%	COM	842587107
JNJ	JOHNSON & JOHNSON	1,443	$234K	0.1%	$153.28	-0.4%	COM	478160104
EEM	ISHARES TR	4,967	$228K	0.1%	$40.21	—	MSCI EMG MKT ETF	464287234
PG	PROCTER AND GAMBLE CO	1,278	$221K	0.1%	$144.12	+14.0%	COM	742718109
AMZN	AMAZON COM INC	1,137	$212K	0.1%	$183.63	-0.6%	COM	023135106