Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
IVV	ISHARES TR	3,208	$55.6M	20.5%	$404.85	—	CORE S&P500 ETF	464287200
VUG	VANGUARD INDEX FDS	1,280	$28.1M	10.4%	$227.50	—	GROWTH ETF	922908736
VTV	VANGUARD INDEX FDS	3,709	$25.55M	9.4%	$145.30	—	VALUE ETF	922908744
VEA	VANGUARD TAX-MANAGED FDS	873	$21.82M	8.1%	$43.52	—	VAN FTSE DEV MKT	921943858
SCHA	SCHWAB STRATEGIC TR	40,803	$16.93M	6.3%	$25.82	—	US SML CAP ETF	808524607
BNDX	VANGUARD CHARLOTTE FDS	2,671	$16.65M	6.1%	$48.82	—	TOTAL INT BD ETF	92203J407
BSV	VANGUARD BD INDEX FDS	4,967	$13.22M	4.9%	$78.28	—	SHORT TRM BOND	921937827
VWO	VANGUARD INTL EQUITY INDEX F	1,357	$9.847M	3.6%	$41.32	—	FTSE EMR MKT ETF	922042858
BLV	VANGUARD BD INDEX FDS	44,863	$9.667M	3.6%	$70.42	—	LONG TERM BOND	921937793
FNDE	SCHWAB STRATEGIC TR	213,080	$9.127M	3.4%	$29.05	—	FUNDAMENTAL EMER	808524730
SCHZ	SCHWAB STRATEGIC TR	13,381	$8.174M	3.0%	$23.16	—	US AGGREGATE B	808524839
REET	ISHARES TR	34,411	$7.477M	2.8%	$23.07	—	GLOBAL REIT ETF	46434V647
MGC	VANGUARD WORLD FD	877	$5.454M	2.0%	$143.13	—	MEGA CAP INDEX	921910873
SCHF	SCHWAB STRATEGIC TR	167,951	$4.709M	1.7%	$25.35	—	INTL EQTY ETF	808524805
SCHV	SCHWAB STRATEGIC TR	336,201	$4.133M	1.5%	$24.05	—	US LCAP VA ETF	808524409
MUB	ISHARES TR	1,044	$3.595M	1.3%	$105.44	—	NATIONAL MUN ETF	464288414
CBU	COMMUNITY FINANCIAL SYSTEM I	64,107	$2.551M	0.9%	$54.28	0.0%	COM	203607106
RSP	INVESCO EXCHANGE TRADED FD T	762	$2.548M	0.9%	$141.25	—	S&P500 EQL WGT	46137V357
BRK/A	BERKSHIRE HATHAWAY INC DEL	529,664	$2.186M	0.8%	$761794.30	+0.0%	CL A	084670108
RTX	RTX CORPORATION	669,263	$2.183M	0.8%	$130.77	+0.8%	COM	75513E101
PGR	PROGRESSIVE CORP	199,090	$1.883M	0.7%	$257.53	0.0%	COM	743315103
VNQ	VANGUARD INDEX FDS	3,688	$1.862M	0.7%	$82.66	—	REAL ESTATE ETF	922908553
AAPL	APPLE INC	276,491	$1.706M	0.6%	$199.60	+0.9%	COM	037833100
MSFT	MICROSOFT CORP	1,268	$1.382M	0.5%	$250.84	+72.4%	COM	594918104
SCHE	SCHWAB STRATEGIC TR	3	$1.23M	0.5%	$24.79	—	EMRG MKTEQ ETF	808524706
CARR	CARRIER GLOBAL CORPORATION	1,308	$979K	0.4%	$38.88	+73.2%	COM	14448C104
NVDA	NVIDIA CORPORATION	14,018	$928K	0.3%	$114.31	+10.1%	COM	67066G104
VB	VANGUARD INDEX FDS	382,721	$879K	0.3%	$4.03	—	SMALL CP ETF	922908751
SPY	SPDR S&P 500 ETF TR	22,944	$838K	0.3%	$61.60	—	TR UNIT	78462F103
EFA	ISHARES TR	2,778	$827K	0.3%	$68.41	—	MSCI EAFE ETF	464287465
OTIS	OTIS WORLDWIDE CORP	14,947	$662K	0.2%	$84.11	+13.4%	COM	68902V107
JPM	JPMORGAN CHASE & CO.	5,876	$625K	0.2%	$205.95	+22.7%	COM	46625H100
URTH	ISHARES INC	24,250	$625K	0.2%	$39.73	—	MSCI WORLD ETF	464286392
APH	AMPHENOL CORP NEW	144,576	$621K	0.2%	$81.39	0.0%	CL A	032095101
META	META PLATFORMS INC	89,543	$562K	0.2%	$615.13	+0.2%	CL A	30303M102
SCHB	SCHWAB STRATEGIC TR	139,009	$547K	0.2%	$8.25	—	US BRD MKT ETF	808524102
HD	HOME DEPOT INC	2,157	$480K	0.2%	$310.60	+14.6%	COM	437076102
V	VISA INC	20,908	$454K	0.2%	$338.15	+2.6%	COM CL A	92826C839
—	ISHARES TR	3,133	$430K	0.2%	$25.15	—	IBONDS DEC25 ETF	46434VBD1
SCHG	SCHWAB STRATEGIC TR	9,987	$367K	0.1%	$37.20	—	US LCAP GR ETF	808524300
CAT	CATERPILLAR INC	8,316	$340K	0.1%	$322.44	+2.6%	COM	149123101
SHW	SHERWIN WILLIAMS CO	149,374	$300K	0.1%	$343.82	+0.2%	COM	824348106
XOM	EXXON MOBIL CORP	17,058	$291K	0.1%	$103.21	+1.3%	COM	30231G102
AMGN	AMGEN INC	459	$291K	0.1%	$231.86	+19.8%	COM	031162100
NFG	NATIONAL FUEL GAS CO	302,717	$265K	0.1%	$80.46	+0.3%	COM	636180101
SCHD	SCHWAB STRATEGIC TR	12,580	$265K	0.1%	$38.75	—	US DIVIDEND EQ	808524797
VOO	VANGUARD INDEX FDS	722	$261K	0.1%	$356.89	—	S&P 500 ETF SHS	922908363
MRK	MERCK & CO INC	6,690	$254K	0.1%	$84.78	-8.7%	COM	58933Y105
SO	SOUTHERN CO	351,703	$245K	0.1%	$87.78	+0.2%	COM	842587107
EEM	ISHARES TR	1,041	$240K	0.1%	$40.21	—	MSCI EMG MKT ETF	464287234
TSLA	TESLA INC	2,702	$229K	0.1%	$301.28	0.0%	COM	88160R101
AMZN	AMAZON COM INC	9,246	$229K	0.1%	$196.25	+0.8%	COM	023135106
PG	PROCTER AND GAMBLE CO	6,284	$202K	0.1%	$157.41	+2.1%	COM	742718109