Ticker	Issuer	Shares	Value	%	Share Price	Est. Cost/Share	Unrealized @ Report Date	Class	CUSIP
IVV	ISHARES TR	86,138	$50.71M	25.8%	$588.68	$404.85	—	CORE S&P500 ETF	464287200
VUG	VANGUARD INDEX FDS	60,296	$24.75M	12.6%	$410.44	$223.27	—	GROWTH ETF	922908736
VTV	VANGUARD INDEX FDS	135,279	$22.9M	11.7%	$169.30	$144.13	—	VALUE ETF	922908744
VEA	VANGUARD TAX-MANAGED FDS	359,510	$17.19M	8.8%	$47.82	$43.25	—	VAN FTSE DEV MKT	921943858
SCHA	SCHWAB STRATEGIC TR	626,777	$16.21M	8.3%	$25.86	$25.86	—	US SML CAP ETF	808524607
VWO	VANGUARD INTL EQUITY INDEX F	185,273	$8.159M	4.2%	$44.04	$41.20	—	FTSE EMR MKT ETF	922042858
FNDE	SCHWAB STRATEGIC TR	270,625	$7.862M	4.0%	$29.05	$29.05	—	FUNDAMENTAL EMER	808524730
REET	ISHARES TR	285,271	$6.838M	3.5%	$23.97	$23.01	—	GLOBAL REIT ETF	46434V647
MGC	VANGUARD WORLD FD	25,946	$5.518M	2.8%	$212.66	$143.13	—	MEGA CAP INDEX	921910873
SCHF	SCHWAB STRATEGIC TR	256,459	$4.744M	2.4%	$18.50	$25.35	—	INTL EQTY ETF	808524805
SCHV	SCHWAB STRATEGIC TR	148,145	$3.862M	2.0%	$26.07	$39.39	—	US LCAP VA ETF	808524409
RSP	INVESCO EXCHANGE TRADED FD T	16,232	$2.844M	1.4%	$175.23	$141.25	—	S&P500 EQL WGT	46137V357
CBU	COMMUNITY FINANCIAL SYSTEM I	44,863	$2.767M	1.4%	$61.68	$54.73	+12.7%	COM	203607106
AAPL	APPLE INC	8,367	$2.095M	1.1%	$250.43 *	$141.18	+66.1%	COM	037833100
BRK/A	BERKSHIRE HATHAWAY INC DEL	300	$2.043M	1.0%	$6809.20 *	$692527.00	0.0%	CL A	084670108
VNQ	VANGUARD INDEX FDS	21,329	$1.9M	1.0%	$89.08	$82.66	—	REAL ESTATE ETF	922908553
RTX	RTX CORPORATION	14,947	$1.73M	0.9%	$115.72 *	$87.65	+34.9%	COM	75513E101
SCHE	SCHWAB STRATEGIC TR	52,821	$1.407M	0.7%	$26.63	$24.79	—	EMRG MKTEQ ETF	808524706
MSFT	MICROSOFT CORP	2,788	$1.175M	0.6%	$421.45	$250.84	+68.4%	COM	594918104
CARR	CARRIER GLOBAL CORPORATION	13,381	$913K	0.5%	$68.26 *	$38.88	+91.3%	COM	14448C104
VB	VANGUARD INDEX FDS	3,665	$881K	0.4%	$240.28	$183.67	—	SMALL CP ETF	922908751
APH	AMPHENOL CORP NEW	10,284	$714K	0.4%	$69.45	$64.05	+8.3%	CL A	032095101
NVDA	NVIDIA CORPORATION	5,276	$709K	0.4%	$134.30 *	$95.11	+44.9%	COM	67066G104
OTIS	OTIS WORLDWIDE CORP	6,690	$620K	0.3%	$92.61 *	$70.16	+40.1%	COM	68902V107
EFA	ISHARES TR	7,737	$585K	0.3%	$75.61	$65.82	—	MSCI EAFE ETF	464287465
URTH	ISHARES INC	3,688	$573K	0.3%	$155.50	$117.59	—	MSCI WORLD ETF	464286392
SCHB	SCHWAB STRATEGIC TR	22,944	$521K	0.3%	$22.70	$30.09	—	US BRD MKT ETF	808524102
JPM	JPMORGAN CHASE & CO.	2,157	$517K	0.3%	$239.71 *	$125.40	+81.8%	COM	46625H100
HD	HOME DEPOT INC	1,320	$513K	0.3%	$388.99 *	$281.19	+41.3%	COM	437076102
SPY	SPDR S&P 500 ETF TR	828	$485K	0.2%	$586.08	$382.40	—	TR UNIT	78462F103
NFG	NATIONAL FUEL GAS CO	6,690	$406K	0.2%	$60.68	$54.82	+11.8%	COM	636180101
V	VISA INC	1,280	$405K	0.2%	$316.04 *	$202.53	+47.3%	COM CL A	92826C839
SCHG	SCHWAB STRATEGIC TR	12,580	$351K	0.2%	$27.87	$37.20	—	US LCAP GR ETF	808524300
VOO	VANGUARD INDEX FDS	607	$327K	0.2%	$538.83	$356.08	—	S&P 500 ETF SHS	922908363
MRK	MERCK & CO INC	3,208	$319K	0.2%	$99.48	$92.80	+6.4%	COM	58933Y105
CAT	CATERPILLAR INC	877	$318K	0.2%	$362.76 *	$251.22	+52.0%	COM	149123101
XOM	EXXON MOBIL CORP	2,802	$301K	0.2%	$107.59 *	$96.28	+16.7%	COM	30231G102
SHW	SHERWIN WILLIAMS CO	873	$297K	0.2%	$339.93 *	$228.44	+61.8%	COM	824348106
TSLA	TESLA INC	688	$278K	0.1%	$403.84 *	$321.74	0.0%	COM	88160R101
SCHD	SCHWAB STRATEGIC TR	9,987	$273K	0.1%	$27.32	$43.35	—	US DIVIDEND EQ	808524797
AMGN	AMGEN INC	1,041	$271K	0.1%	$260.64 *	$231.86	+23.4%	COM	031162100
META	META PLATFORMS INC	460	$269K	0.1%	$585.51	$327.83	+78.4%	CL A	30303M102
AMZN	AMAZON COM INC	1,137	$249K	0.1%	$219.39 *	$183.63	+11.4%	COM	023135106
SO	SOUTHERN CO	2,671	$220K	0.1%	$82.32 *	$59.86	+41.2%	COM	842587107
PG	PROCTER AND GAMBLE CO	1,278	$214K	0.1%	$167.71	$144.12	+15.0%	COM	742718109
EEM	ISHARES TR	4,967	$208K	0.1%	$41.82	$40.21	—	MSCI EMG MKT ETF	464287234