CORNERSTONE ADVISORS ASSET MANAGEMENT, LLC Diversified Active

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VPLS	VANGUARD MALVERN FDS	46,569	$3,638	0.6%	$78.11	—	CORE-PLUS BD ETF	922020755
CGCP	CAPITAL GRP FIXED INCM ETF T	149,928	$3,394	0.6%	$22.64	—	CORE PLUS INCM	14020Y102
TAXX	BONDBLOXX ETF TRUST	49,230	$2,497	0.4%	$50.72	—	IR M TAXAWARE	09789C721
META	META PLATFORMS INC	426	$281	0.0%	$667.32	0.0%	CL A	30303M102
JPM	JPMORGAN CHASE & CO.	850	$274	0.0%	$309.53	0.0%	COM	46625H100
WMT	WALMART INC	2,442	$272	0.0%	$107.20	0.0%	COM	931142103
TRV	TRAVELERS COMPANIES INC	746	$216	0.0%	$280.61	0.0%	COM	89417E109
MRK	MERCK & CO INC	2,031	$214	0.0%	$93.24	0.0%	COM	58933Y105
GUNR	FLEXSHARES TR	4,486	$206	0.0%	$45.85	—	MORNSTAR UPSTR	33939L407
GOOG	ALPHABET INC	655	$206	0.0%	$286.33	0.0%	CAP STK CL C	02079K107
MGK	VANGUARD WORLD FD	488	$202	0.0%	$413.16	—	MEGA GRWTH IND	921910816

Increased Positions (59)

PULS PGIM ETF TR 1.0%

Value ($000) $5,875 (+1952.6%) Shares 118,472 (+1962.5%) Est. Cost $49.60 Unrealized —

GSEW GOLDMAN SACHS ETF TR 2.5%

Value ($000) $15,193 (+38.9%) Shares 178,487 (+38.8%) Est. Cost $72.00 Unrealized —

SCHK SCHWAB STRATEGIC TR 1.0%

Value ($000) $6,373 (+135.2%) Shares 194,308 (+130.3%) Est. Cost $33.43 Unrealized —

QLTA ISHARES TR 3.5%

Value ($000) $21,534 (+15.1%) Shares 447,791 (+16.0%) Est. Cost $48.28 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 7.1%

Value ($000) $43,871 (+6.3%) Shares 596,366 (+3.2%) Est. Cost $59.22 Unrealized —

SGOV ISHARES TR 3.1%

Value ($000) $18,997 (+11.1%) Shares 189,249 (+11.5%) Est. Cost $13.08 Unrealized —

MMIT NEW YORK LIFE INVTS ACTIVE E 2.0%

Value ($000) $12,441 (+18.0%) Shares 511,354 (+17.8%) Est. Cost $24.14 Unrealized —

SCMB SCHWAB STRATEGIC TR 0.5%

Value ($000) $3,329 (+52.6%) Shares 129,240 (+51.7%) Est. Cost $28.21 Unrealized —

SPYM SPDR SERIES TRUST 4.0%

Value ($000) $24,440 (+4.6%) Shares 304,665 (+2.2%) Est. Cost $65.70 Unrealized —

SPSM SPDR SERIES TRUST 2.7%

Value ($000) $16,412 (+7.0%) Shares 350,243 (+5.8%) Est. Cost $43.95 Unrealized —

PREF PRINCIPAL EXCHANGE TRADED FD 1.9%

Value ($000) $11,736 (+8.9%) Shares 615,452 (+9.3%) Est. Cost $18.22 Unrealized —

HTRB HARTFORD FDS EXCHANGE TRADED 5.4%

Value ($000) $33,121 (+2.7%) Shares 969,879 (+3.1%) Est. Cost $34.23 Unrealized —

VXUS VANGUARD STAR FDS 0.4%

Value ($000) $2,392 (+43.0%) Shares 31,703 (+39.2%) Est. Cost $71.80 Unrealized —

AAPL APPLE INC 0.4%

Value ($000) $2,493 (+38.5%) Shares 9,172 (+29.7%) Est. Cost $202.98 Unrealized +32.2%

JAAA JANUS DETROIT STR TR 4.6%

Value ($000) $28,559 (+2.3%) Shares 564,632 (+2.7%) Est. Cost $50.87 Unrealized —

MSFT MICROSOFT CORP 0.2%

Value ($000) $1,315 (+78.5%) Shares 2,719 (+91.2%) Est. Cost $434.04 Unrealized +15.3%

ICF ISHARES TR 0.5%

Value ($000) $3,135 (+22.1%) Shares 52,534 (+26.1%) Est. Cost $62.34 Unrealized —

SCHF SCHWAB STRATEGIC TR 1.2%

Value ($000) $7,607 (+8.0%) Shares 316,423 (+4.6%) Est. Cost $25.23 Unrealized —

SPAB SPDR SERIES TRUST 6.6%

Value ($000) $40,704 (+1.1%) Shares 1,580,729 (+1.5%) Est. Cost $25.83 Unrealized —

GLD SPDR GOLD TR 0.1%

Value ($000) $855 (+73.0%) Shares 2,157 (+55.2%) Est. Cost $271.33 Unrealized —

MMIN NEW YORK LIFE INVTS ACTIVE E 2.6%

Value ($000) $15,941 (+2.2%) Shares 665,871 (+1.6%) Est. Cost $24.04 Unrealized —

VLUE ISHARES TR 0.2%

Value ($000) $1,149 (+41.7%) Shares 8,404 (+29.6%) Est. Cost $116.94 Unrealized —

IBM INTERNATIONAL BUSINESS MACHS 0.2%

Value ($000) $1,428 (+24.7%) Shares 4,820 (+18.7%) Est. Cost $151.30 Unrealized +97.5%

SPDW SPDR INDEX SHS FDS 0.9%

Value ($000) $5,770 (+5.0%) Shares 129,924 (+1.2%) Est. Cost $35.17 Unrealized —

CGMU CAPITAL GRP FIXED INCM ETF T 0.7%

Value ($000) $4,311 (+6.5%) Shares 157,437 (+6.2%) Est. Cost $26.86 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 0.8%

Value ($000) $4,690 (+5.2%) Shares 21,340 (+3.3%) Est. Cost $159.78 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.2%

Value ($000) $1,338 (+20.3%) Shares 2,661 (+20.4%) Est. Cost $348.70 Unrealized +42.7%

VIOO VANGUARD ADMIRAL FDS INC 0.1%

Value ($000) $657 (+45.8%) Shares 5,920 (+45.2%) Est. Cost $104.26 Unrealized —

AMZN AMAZON COM INC 0.1%

Value ($000) $462 (+61.6%) Shares 2,003 (+53.7%) Est. Cost $227.20 Unrealized +0.7%

GOOGL ALPHABET INC 0.1%

Value ($000) $386 (+73.8%) Shares 1,234 (+35.0%) Est. Cost $229.01 Unrealized +24.7%

VUG VANGUARD INDEX FDS 0.2%

Value ($000) $1,070 (+12.1%) Shares 2,194 (+10.2%) Est. Cost $346.30 Unrealized —

PAA PLAINS ALL AMERN PIPELINE L 0.1%

Value ($000) $359 (+40.4%) Shares 20,000 (+33.3%) Est. Cost $17.54 Unrealized —

XOM EXXON MOBIL CORP 0.1%

Value ($000) $341 (+42.9%) Shares 2,836 (+33.9%) Est. Cost $108.09 Unrealized +6.8%

JNJ JOHNSON & JOHNSON 0.1%

Value ($000) $740 (+15.9%) Shares 3,577 (+3.8%) Est. Cost $152.63 Unrealized +29.1%

ABBV ABBVIE INC 0.1%

Value ($000) $744 (+15.7%) Shares 3,256 (+17.3%) Est. Cost $146.75 Unrealized +55.1%

VTEB VANGUARD MUN BD FDS 0.5%

Value ($000) $3,262 (+2.1%) Shares 64,858 (+1.7%) Est. Cost $49.92 Unrealized —

PFF ISHARES TR 0.2%

Value ($000) $1,400 (+3.2%) Shares 45,210 (+5.4%) Est. Cost $32.48 Unrealized —

IWN ISHARES TR 0.1%

Value ($000) $696 (+6.4%) Shares 3,843 (+3.8%) Est. Cost $166.60 Unrealized —

NVDA NVIDIA CORPORATION 0.2%

Value ($000) $948 (+4.6%) Shares 5,084 (+4.6%) Est. Cost $138.52 Unrealized +34.4%

CSCO CISCO SYS INC 0.0%

Value ($000) $262 (+18.1%) Shares 3,406 (+4.9%) Est. Cost $67.68 Unrealized +9.0%

VTV VANGUARD INDEX FDS 0.1%

Value ($000) $851 (+4.9%) Shares 4,454 (+2.4%) Est. Cost $169.58 Unrealized —

CGXU CAPITAL GROUP INTL FOCUS EQT 0.2%

Value ($000) $990 (+4.1%) Shares 33,514 (+4.3%) Est. Cost $23.93 Unrealized —

VCSH VANGUARD SCOTTSDALE FDS 0.1%

Value ($000) $473 (+7.5%) Shares 5,933 (+7.8%) Est. Cost $79.92 Unrealized —

PPL PPL CORP 0.1%

Value ($000) $706 (-4.5%) Shares 20,149 (+1.4%) Est. Cost $25.52 Unrealized +40.4%

IUSB ISHARES TR 0.5%

Value ($000) $2,871 (+1.1%) Shares 61,680 (+1.4%) Est. Cost $47.13 Unrealized —

BCI ABRDN ETFS 0.1%

Value ($000) $561 (-5.0%) Shares 28,711 (+4.7%) Est. Cost $21.82 Unrealized —

MCD MCDONALDS CORP 0.1%

Value ($000) $449 (+6.3%) Shares 1,468 (+5.7%) Est. Cost $246.12 Unrealized +24.0%

PEP PEPSICO INC 0.0%

Value ($000) $235 (+12.8%) Shares 1,634 (+10.3%) Est. Cost $140.94 Unrealized +3.5%

CVX CHEVRON CORP NEW 0.0%

Value ($000) $306 (+9.3%) Shares 2,011 (+11.4%) Est. Cost $149.09 Unrealized +1.5%

ABT ABBOTT LABS 0.1%

Value ($000) $432 (+6.2%) Shares 3,448 (+13.6%) Est. Cost $118.21 Unrealized +7.7%

VWO VANGUARD INTL EQUITY INDEX F 0.0%

Value ($000) $303 (+8.3%) Shares 5,644 (+9.2%) Est. Cost $45.98 Unrealized —

FLRN SPDR SERIES TRUST 0.1%

Value ($000) $411 (+3.3%) Shares 13,367 (+3.8%) Est. Cost $30.86 Unrealized —

PG PROCTER AND GAMBLE CO 0.1%

Value ($000) $332 (+4.1%) Shares 2,314 (+11.6%) Est. Cost $143.06 Unrealized +2.9%

HD HOME DEPOT INC 0.0%

Value ($000) $221 (+5.5%) Shares 642 (+24.2%) Est. Cost $384.38 Unrealized -5.1%

HDV ISHARES TR 0.2%

Value ($000) $1,490 (+0.7%) Shares 12,256 (+1.4%) Est. Cost $103.96 Unrealized —

VSGX VANGUARD WORLD FD 0.0%

Value ($000) $211 (+4.5%) Shares 2,952 (+1.2%) Est. Cost $69.39 Unrealized —

GOVT ISHARES TR 0.2%

Value ($000) $1,060 (+0.8%) Shares 46,020 (+1.2%) Est. Cost $22.05 Unrealized —

VNLA JANUS DETROIT STR TR 0.0%

Value ($000) $207 (+1.3%) Shares 4,216 (+1.6%) Est. Cost $49.20 Unrealized —

SCHP SCHWAB STRATEGIC TR 0.0%

Value ($000) $273 (-0.5%) Shares 10,306 (+1.2%) Est. Cost $41.76 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
PULS	PGIM ETF TR	118,472 (+1962.5%)	$5,875 (+1952.6%)	1.0%	$49.60	—	PGIM ULTRA SH BD	69344A107
GSEW	GOLDMAN SACHS ETF TR	178,487 (+38.8%)	$15,193 (+38.9%)	2.5%	$72.00	—	EQUAL WEIGHT US	381430438
SCHK	SCHWAB STRATEGIC TR	194,308 (+130.3%)	$6,373 (+135.2%)	1.0%	$33.43	—	1000 INDEX ETF	808524722
QLTA	ISHARES TR	447,791 (+16.0%)	$21,534 (+15.1%)	3.5%	$48.28	—	A RATE CP BD ETF	46429B291
VEU	VANGUARD INTL EQUITY INDEX F	596,366 (+3.2%)	$43,871 (+6.3%)	7.1%	$59.22	—	ALLWRLD EX US	922042775
SGOV	ISHARES TR	189,249 (+11.5%)	$18,997 (+11.1%)	3.1%	$13.08	—	0-3 MNTH TREASRY	46436E718
MMIT	NEW YORK LIFE INVTS ACTIVE E	511,354 (+17.8%)	$12,441 (+18.0%)	2.0%	$24.14	—	NYLI MACKAY MUN	45409F827
SCMB	SCHWAB STRATEGIC TR	129,240 (+51.7%)	$3,329 (+52.6%)	0.5%	$28.21	—	MUN BD ETF	808524649
SPYM	SPDR SERIES TRUST	304,665 (+2.2%)	$24,440 (+4.6%)	4.0%	$65.70	—	STATE STREET SPD	78464A854
SPSM	SPDR SERIES TRUST	350,243 (+5.8%)	$16,412 (+7.0%)	2.7%	$43.95	—	STATE STREET SPD	78468R853
PREF	PRINCIPAL EXCHANGE TRADED FD	615,452 (+9.3%)	$11,736 (+8.9%)	1.9%	$18.22	—	SPECTRUM PFD	74255Y888
HTRB	HARTFORD FDS EXCHANGE TRADED	969,879 (+3.1%)	$33,121 (+2.7%)	5.4%	$34.23	—	TOTAL RTRN ETF	41653L305
VXUS	VANGUARD STAR FDS	31,703 (+39.2%)	$2,392 (+43.0%)	0.4%	$71.80	—	VG TL INTL STK F	921909768
AAPL	APPLE INC	9,172 (+29.7%)	$2,493 (+38.5%)	0.4%	$202.98	+32.2%	COM	037833100
JAAA	JANUS DETROIT STR TR	564,632 (+2.7%)	$28,559 (+2.3%)	4.6%	$50.87	—	HENDRSON AAA CL	47103U845
MSFT	MICROSOFT CORP	2,719 (+91.2%)	$1,315 (+78.5%)	0.2%	$434.04	+15.3%	COM	594918104
ICF	ISHARES TR	52,534 (+26.1%)	$3,135 (+22.1%)	0.5%	$62.34	—	SELECT US REIT	464287564
SCHF	SCHWAB STRATEGIC TR	316,423 (+4.6%)	$7,607 (+8.0%)	1.2%	$25.23	—	INTL EQTY ETF	808524805
SPAB	SPDR SERIES TRUST	1,580,729 (+1.5%)	$40,704 (+1.1%)	6.6%	$25.83	—	STATE STREET SPD	78464A649
GLD	SPDR GOLD TR	2,157 (+55.2%)	$855 (+73.0%)	0.1%	$271.33	—	GOLD SHS	78463V107
MMIN	NEW YORK LIFE INVTS ACTIVE E	665,871 (+1.6%)	$15,941 (+2.2%)	2.6%	$24.04	—	NYLI MACKAY MUNI	45409F843
VLUE	ISHARES TR	8,404 (+29.6%)	$1,149 (+41.7%)	0.2%	$116.94	—	MSCI USA VALUE	46432F388
IBM	INTERNATIONAL BUSINESS MACHS	4,820 (+18.7%)	$1,428 (+24.7%)	0.2%	$151.30	+97.5%	COM	459200101
SPDW	SPDR INDEX SHS FDS	129,924 (+1.2%)	$5,770 (+5.0%)	0.9%	$35.17	—	PORTFOLIO DEVLPD	78463X889
CGMU	CAPITAL GRP FIXED INCM ETF T	157,437 (+6.2%)	$4,311 (+6.5%)	0.7%	$26.86	—	MUNICIPAL INCOME	14020Y201
VIG	VANGUARD SPECIALIZED FUNDS	21,340 (+3.3%)	$4,690 (+5.2%)	0.8%	$159.78	—	DIV APP ETF	921908844
BRK/B	BERKSHIRE HATHAWAY INC DEL	2,661 (+20.4%)	$1,338 (+20.3%)	0.2%	$348.70	+42.7%	CL B NEW	084670702
VIOO	VANGUARD ADMIRAL FDS INC	5,920 (+45.2%)	$657 (+45.8%)	0.1%	$104.26	—	SMLLCP 600 IDX	921932828
AMZN	AMAZON COM INC	2,003 (+53.7%)	$462 (+61.6%)	0.1%	$227.20	+0.7%	COM	023135106
GOOGL	ALPHABET INC	1,234 (+35.0%)	$386 (+73.8%)	0.1%	$229.01	+24.7%	CAP STK CL A	02079K305
VUG	VANGUARD INDEX FDS	2,194 (+10.2%)	$1,070 (+12.1%)	0.2%	$346.30	—	GROWTH ETF	922908736
PAA	PLAINS ALL AMERN PIPELINE L	20,000 (+33.3%)	$359 (+40.4%)	0.1%	$17.54	—	UNIT LTD PARTN	726503105
XOM	EXXON MOBIL CORP	2,836 (+33.9%)	$341 (+42.9%)	0.1%	$108.09	+6.8%	COM	30231G102
JNJ	JOHNSON & JOHNSON	3,577 (+3.8%)	$740 (+15.9%)	0.1%	$152.63	+29.1%	COM	478160104
ABBV	ABBVIE INC	3,256 (+17.3%)	$744 (+15.7%)	0.1%	$146.75	+55.1%	COM	00287Y109
VTEB	VANGUARD MUN BD FDS	64,858 (+1.7%)	$3,262 (+2.1%)	0.5%	$49.92	—	TAX EXEMPT BD	922907746
PFF	ISHARES TR	45,210 (+5.4%)	$1,400 (+3.2%)	0.2%	$32.48	—	PFD AND INCM SEC	464288687
IWN	ISHARES TR	3,843 (+3.8%)	$696 (+6.4%)	0.1%	$166.60	—	RUS 2000 VAL ETF	464287630
NVDA	NVIDIA CORPORATION	5,084 (+4.6%)	$948 (+4.6%)	0.2%	$138.52	+34.4%	COM	67066G104
CSCO	CISCO SYS INC	3,406 (+4.9%)	$262 (+18.1%)	0.0%	$67.68	+9.0%	COM	17275R102
VTV	VANGUARD INDEX FDS	4,454 (+2.4%)	$851 (+4.9%)	0.1%	$169.58	—	VALUE ETF	922908744
CGXU	CAPITAL GROUP INTL FOCUS EQT	33,514 (+4.3%)	$990 (+4.1%)	0.2%	$23.93	—	SHS CREATION UNI	14019W109
VCSH	VANGUARD SCOTTSDALE FDS	5,933 (+7.8%)	$473 (+7.5%)	0.1%	$79.92	—	SHRT TRM CORP BD	92206C409
PPL	PPL CORP	20,149 (+1.4%)	$706 (-4.5%)	0.1%	$25.52	+40.4%	COM	69351T106
IUSB	ISHARES TR	61,680 (+1.4%)	$2,871 (+1.1%)	0.5%	$47.13	—	CORE UNIVRSL USD	46434V613
BCI	ABRDN ETFS	28,711 (+4.7%)	$561 (-5.0%)	0.1%	$21.82	—	BBRG ALL COMD K1	003261104
MCD	MCDONALDS CORP	1,468 (+5.7%)	$449 (+6.3%)	0.1%	$246.12	+24.0%	COM	580135101
PEP	PEPSICO INC	1,634 (+10.3%)	$235 (+12.8%)	0.0%	$140.94	+3.5%	COM	713448108
CVX	CHEVRON CORP NEW	2,011 (+11.4%)	$306 (+9.3%)	0.0%	$149.09	+1.5%	COM	166764100
ABT	ABBOTT LABS	3,448 (+13.6%)	$432 (+6.2%)	0.1%	$118.21	+7.7%	COM	002824100
VWO	VANGUARD INTL EQUITY INDEX F	5,644 (+9.2%)	$303 (+8.3%)	0.0%	$45.98	—	FTSE EMR MKT ETF	922042858
FLRN	SPDR SERIES TRUST	13,367 (+3.8%)	$411 (+3.3%)	0.1%	$30.86	—	STATE STREET SPD	78468R200
PG	PROCTER AND GAMBLE CO	2,314 (+11.6%)	$332 (+4.1%)	0.1%	$143.06	+2.9%	COM	742718109
HD	HOME DEPOT INC	642 (+24.2%)	$221 (+5.5%)	0.0%	$384.38	-5.1%	COM	437076102
HDV	ISHARES TR	12,256 (+1.4%)	$1,490 (+0.7%)	0.2%	$103.96	—	CORE HIGH DV ETF	46429B663
VSGX	VANGUARD WORLD FD	2,952 (+1.2%)	$211 (+4.5%)	0.0%	$69.39	—	ESG INTL STK ETF	921910725
GOVT	ISHARES TR	46,020 (+1.2%)	$1,060 (+0.8%)	0.2%	$22.05	—	US TREAS BD ETF	46429B267
VNLA	JANUS DETROIT STR TR	4,216 (+1.6%)	$207 (+1.3%)	0.0%	$49.20	—	HENDRSN SHRT ETF	47103U886
SCHP	SCHWAB STRATEGIC TR	10,306 (+1.2%)	$273 (-0.5%)	0.0%	$41.76	—	US TIPS ETF	808524870

Exited Positions (6)

VYMI VANGUARD WHITEHALL FDS 0.2%

Value ($000) $1,190 Shares 14,048 Est. Cost $84.68 Unrealized —

VBR VANGUARD INDEX FDS 0.1%

Value ($000) $416 Shares 1,995 Est. Cost $208.71 Unrealized —

AVEM AMERICAN CENTY ETF TR 0.1%

Value ($000) $310 Shares 4,123 Est. Cost $75.11 Unrealized —

IGSB ISHARES TR 0.0%

Value ($000) $278 Shares 5,233 Est. Cost $53.03 Unrealized —

IQLT ISHARES TR 0.0%

Value ($000) $234 Shares 5,284 Est. Cost $44.19 Unrealized —

LIN LINDE PLC 0.0%

Value ($000) $207 Shares 435 Est. Cost $444.55 Unrealized -3.9%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
VYMI	VANGUARD WHITEHALL FDS	14,048	$1,190	0.2%	$84.68	—	—	921946794
VBR	VANGUARD INDEX FDS	1,995	$416	0.1%	$208.71	—	—	922908611
AVEM	AMERICAN CENTY ETF TR	4,123	$310	0.1%	$75.11	—	—	025072604
IGSB	ISHARES TR	5,233	$278	0.0%	$53.03	—	—	464288646
IQLT	ISHARES TR	5,284	$234	0.0%	$44.19	—	—	46434V456
LIN	LINDE PLC	435	$207	0.0%	$444.55	-3.9%	—	G54950103

Decreased Positions (20)

QUAL ISHARES TR 0.9%

Value ($000) $5,292 (-12.3%) Shares 26,643 (-14.1%) Est. Cost $157.80 Unrealized —

VTI VANGUARD INDEX FDS 0.7%

Value ($000) $4,115 (-11.2%) Shares 12,274 (-13.1%) Est. Cost $305.38 Unrealized —

IEFA ISHARES TR 0.5%

Value ($000) $2,834 (-12.6%) Shares 31,683 (-14.7%) Est. Cost $66.97 Unrealized —

IEMG ISHARES INC 0.1%

Value ($000) $754 (-34.4%) Shares 11,221 (-35.7%) Est. Cost $53.80 Unrealized —

IVV ISHARES TR 5.1%

Value ($000) $31,635 (-0.8%) Shares 46,186 (-3.0%) Est. Cost $461.67 Unrealized —

SPY SPDR S&P 500 ETF TR 1.3%

Value ($000) $7,819 (-2.6%) Shares 11,467 (-4.8%) Est. Cost $469.19 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 0.1%

Value ($000) $614 (-24.7%) Shares 9,833 (-27.8%) Est. Cost $50.07 Unrealized —

IJR ISHARES TR 0.5%

Value ($000) $2,778 (-5.8%) Shares 23,114 (-6.8%) Est. Cost $111.82 Unrealized —

IJH ISHARES TR 0.5%

Value ($000) $3,361 (-4.6%) Shares 50,931 (-5.7%) Est. Cost $100.24 Unrealized —

BND VANGUARD BD INDEX FDS 0.1%

Value ($000) $660 (-18.0%) Shares 8,916 (-17.7%) Est. Cost $72.54 Unrealized —

BIL SPDR SERIES TRUST 0.1%

Value ($000) $677 (-16.9%) Shares 7,409 (-16.5%) Est. Cost $91.49 Unrealized —

IWB ISHARES TR 0.1%

Value ($000) $872 (-12.8%) Shares 2,335 (-14.7%) Est. Cost $277.42 Unrealized —

YUM YUM BRANDS INC 0.1%

Value ($000) $635 (-6.1%) Shares 4,198 (-5.7%) Est. Cost $114.39 Unrealized +29.1%

SCHA SCHWAB STRATEGIC TR 0.6%

Value ($000) $3,946 (+0.9%) Shares 138,569 (-1.1%) Est. Cost $33.94 Unrealized —

IEI ISHARES TR 0.0%

Value ($000) $210 (-11.9%) Shares 1,763 (-11.8%) Est. Cost $119.51 Unrealized —

SLYV SPDR SERIES TRUST 0.9%

Value ($000) $5,745 (-0.4%) Shares 63,149 (-2.9%) Est. Cost $79.22 Unrealized —

SPEM SPDR INDEX SHS FDS 0.1%

Value ($000) $310 (-5.2%) Shares 6,618 (-5.2%) Est. Cost $37.93 Unrealized —

VV VANGUARD INDEX FDS 2.0%

Value ($000) $12,091 (-0.1%) Shares 38,408 (-2.3%) Est. Cost $174.20 Unrealized —

VO VANGUARD INDEX FDS 0.1%

Value ($000) $328 (-2.7%) Shares 1,129 (-1.5%) Est. Cost $264.08 Unrealized —

EFV ISHARES TR 0.1%

Value ($000) $590 (+0.9%) Shares 8,269 (-4.2%) Est. Cost $48.93 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
QUAL	ISHARES TR	26,643 (-14.1%)	$5,292 (-12.3%)	0.9%	$157.80	—	MSCI USA QLT FCT	46432F339
VTI	VANGUARD INDEX FDS	12,274 (-13.1%)	$4,115 (-11.2%)	0.7%	$305.38	—	TOTAL STK MKT	922908769
IEFA	ISHARES TR	31,683 (-14.7%)	$2,834 (-12.6%)	0.5%	$66.97	—	CORE MSCI EAFE	46432F842
IEMG	ISHARES INC	11,221 (-35.7%)	$754 (-34.4%)	0.1%	$53.80	—	CORE MSCI EMKT	46434G103
IVV	ISHARES TR	46,186 (-3.0%)	$31,635 (-0.8%)	5.1%	$461.67	—	CORE S&P500 ETF	464287200
SPY	SPDR S&P 500 ETF TR	11,467 (-4.8%)	$7,819 (-2.6%)	1.3%	$469.19	—	TR UNIT	78462F103
VEA	VANGUARD TAX-MANAGED FDS	9,833 (-27.8%)	$614 (-24.7%)	0.1%	$50.07	—	VAN FTSE DEV MKT	921943858
IJR	ISHARES TR	23,114 (-6.8%)	$2,778 (-5.8%)	0.5%	$111.82	—	CORE S&P SCP ETF	464287804
IJH	ISHARES TR	50,931 (-5.7%)	$3,361 (-4.6%)	0.5%	$100.24	—	CORE S&P MCP ETF	464287507
BND	VANGUARD BD INDEX FDS	8,916 (-17.7%)	$660 (-18.0%)	0.1%	$72.54	—	TOTAL BND MRKT	921937835
BIL	SPDR SERIES TRUST	7,409 (-16.5%)	$677 (-16.9%)	0.1%	$91.49	—	STATE STREET SPD	78468R663
IWB	ISHARES TR	2,335 (-14.7%)	$872 (-12.8%)	0.1%	$277.42	—	RUS 1000 ETF	464287622
YUM	YUM BRANDS INC	4,198 (-5.7%)	$635 (-6.1%)	0.1%	$114.39	+29.1%	COM	988498101
SCHA	SCHWAB STRATEGIC TR	138,569 (-1.1%)	$3,946 (+0.9%)	0.6%	$33.94	—	US SML CAP ETF	808524607
IEI	ISHARES TR	1,763 (-11.8%)	$210 (-11.9%)	0.0%	$119.51	—	3 7 YR TREAS BD	464288661
SLYV	SPDR SERIES TRUST	63,149 (-2.9%)	$5,745 (-0.4%)	0.9%	$79.22	—	STATE STREET SPD	78464A300
SPEM	SPDR INDEX SHS FDS	6,618 (-5.2%)	$310 (-5.2%)	0.1%	$37.93	—	PORTFOLIO EMG MK	78463X509
VV	VANGUARD INDEX FDS	38,408 (-2.3%)	$12,091 (-0.1%)	2.0%	$174.20	—	LARGE CAP ETF	922908637
VO	VANGUARD INDEX FDS	1,129 (-1.5%)	$328 (-2.7%)	0.1%	$264.08	—	MID CAP ETF	922908629
EFV	ISHARES TR	8,269 (-4.2%)	$590 (+0.9%)	0.1%	$48.93	—	EAFE VALUE ETF	464288877

Unchanged Positions (43)

SCHX SCHWAB STRATEGIC TR 12.7%

Value ($000) $78,478 Shares 2,915,883 Est. Cost $35.02 Unrealized —

VGT VANGUARD WORLD FD 1.5%

Value ($000) $9,505 Shares 12,610 Est. Cost $417.04 Unrealized —

VIGI VANGUARD WHITEHALL FDS 1.1%

Value ($000) $7,022 Shares 76,783 Est. Cost $71.03 Unrealized —

EFA ISHARES TR 0.9%

Value ($000) $5,651 Shares 58,843 Est. Cost $79.32 Unrealized —

IGRO ISHARES TR 0.6%

Value ($000) $3,397 Shares 41,041 Est. Cost $72.44 Unrealized —

IVLU ISHARES TR 0.2%

Value ($000) $1,241 Shares 32,609 Est. Cost $25.45 Unrealized —

IWF ISHARES TR 1.2%

Value ($000) $7,394 Shares 15,622 Est. Cost $311.71 Unrealized —

VYM VANGUARD WHITEHALL FDS 0.7%

Value ($000) $4,163 Shares 29,009 Est. Cost $112.90 Unrealized —

SPYV SPDR SERIES TRUST 0.4%

Value ($000) $2,307 Shares 40,610 Est. Cost $45.70 Unrealized —

KMB KIMBERLY-CLARK CORP 0.0%

Value ($000) $258 Shares 2,558 Est. Cost $116.33 Unrealized -6.8%

ROST ROSS STORES INC 0.1%

Value ($000) $360 Shares 2,000 Est. Cost $98.51 Unrealized +69.1%

VTWO VANGUARD SCOTTSDALE FDS 0.5%

Value ($000) $2,918 Shares 29,300 Est. Cost $80.41 Unrealized —

IWM ISHARES TR 0.5%

Value ($000) $3,061 Shares 12,437 Est. Cost $215.33 Unrealized —

VB VANGUARD INDEX FDS 0.4%

Value ($000) $2,372 Shares 9,197 Est. Cost $212.79 Unrealized —

DVY ISHARES TR 1.0%

Value ($000) $6,073 Shares 43,027 Est. Cost $122.98 Unrealized —

TFC TRUIST FINL CORP 0.1%

Value ($000) $442 Shares 8,985 Est. Cost $28.30 Unrealized +61.9%

BKLC BNY MELLON ETF TRUST 0.3%

Value ($000) $1,870 Shares 14,300 Est. Cost $81.00 Unrealized —

RLY SSGA ACTIVE ETF TR 0.3%

Value ($000) $1,695 Shares 53,886 Est. Cost $27.62 Unrealized —

NOBL PROSHARES TR 0.5%

Value ($000) $3,109 Shares 29,875 Est. Cost $98.58 Unrealized —

SCHV SCHWAB STRATEGIC TR 0.2%

Value ($000) $1,148 Shares 38,760 Est. Cost $39.87 Unrealized —

PNOV INNOVATOR ETFS TRUST 0.2%

Value ($000) $1,467 Shares 35,112 Est. Cost $30.37 Unrealized —

NSC NORFOLK SOUTHN CORP 0.1%

Value ($000) $591 Shares 2,048 Est. Cost $215.29 Unrealized +34.1%

VT VANGUARD INTL EQUITY INDEX F 0.1%

Value ($000) $739 Shares 5,239 Est. Cost $113.56 Unrealized —

GBIL GOLDMAN SACHS ETF TR 0.5%

Value ($000) $2,818 Shares 28,189 Est. Cost $100.05 Unrealized —

IWD ISHARES TR 0.1%

Value ($000) $496 Shares 2,357 Est. Cost $189.73 Unrealized —

AGG ISHARES TR 0.6%

Value ($000) $3,633 Shares 36,373 Est. Cost $100.23 Unrealized —

MPB MID PENN BANCORP INC 0.0%

Value ($000) $221 Shares 7,137 Est. Cost $26.31 Unrealized +11.0%

SCHB SCHWAB STRATEGIC TR 0.1%

Value ($000) $686 Shares 26,162 Est. Cost $31.05 Unrealized —

ESGU ISHARES TR 0.1%

Value ($000) $529 Shares 3,552 Est. Cost $88.36 Unrealized —

DGRO ISHARES TR 0.1%

Value ($000) $641 Shares 9,237 Est. Cost $54.56 Unrealized —

VTIP VANGUARD MALVERN FDS 0.1%

Value ($000) $767 Shares 15,498 Est. Cost $49.73 Unrealized —

WOOD ISHARES TR 0.1%

Value ($000) $498 Shares 6,915 Est. Cost $88.33 Unrealized —

OEF ISHARES TR 0.0%

Value ($000) $232 Shares 676 Est. Cost $304.48 Unrealized —

ALL ALLSTATE CORP 0.0%

Value ($000) $208 Shares 1,000 Est. Cost $191.27 Unrealized +6.7%

PAAA PGIM ETF TR 0.2%

Value ($000) $981 Shares 19,138 Est. Cost $51.21 Unrealized —

IXUS ISHARES TR 0.0%

Value ($000) $228 Shares 2,698 Est. Cost $77.31 Unrealized —

EQAL INVESCO EXCH TRADED FD TR II 0.1%

Value ($000) $367 Shares 6,964 Est. Cost $52.00 Unrealized —

MTB M & T BK CORP 0.0%

Value ($000) $236 Shares 1,169 Est. Cost $116.96 Unrealized +62.5%

VOO VANGUARD INDEX FDS 0.0%

Value ($000) $291 Shares 464 Est. Cost $612.38 Unrealized —

INFL LISTED FDS TR 0.1%

Value ($000) $668 Shares 15,031 Est. Cost $31.21 Unrealized —

PFIS PEOPLES FINL SVCS CORP 0.1%

Value ($000) $738 Shares 15,153 Est. Cost $42.92 Unrealized +11.7%

BRK/A BERKSHIRE HATHAWAY INC DEL 0.1%

Value ($000) $755 Shares 1 Est. Cost $726917.40 Unrealized +2.7%

BKCI BNY MELLON ETF TRUST 0.1%

Value ($000) $545 Shares 10,571 Est. Cost $49.12 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
SCHX	SCHWAB STRATEGIC TR	2,915,883	$78,478	12.7%	$35.02	—	US LRG CAP ETF	808524201
VGT	VANGUARD WORLD FD	12,610	$9,505	1.5%	$417.04	—	INF TECH ETF	92204A702
VIGI	VANGUARD WHITEHALL FDS	76,783	$7,022	1.1%	$71.03	—	INTL DVD ETF	921946810
EFA	ISHARES TR	58,843	$5,651	0.9%	$79.32	—	MSCI EAFE ETF	464287465
IGRO	ISHARES TR	41,041	$3,397	0.6%	$72.44	—	INTL DIV GRWTH	46435G524
IVLU	ISHARES TR	32,609	$1,241	0.2%	$25.45	—	MSCI INTL VLU FT	46435G409
IWF	ISHARES TR	15,622	$7,394	1.2%	$311.71	—	RUS 1000 GRW ETF	464287614
VYM	VANGUARD WHITEHALL FDS	29,009	$4,163	0.7%	$112.90	—	HIGH DIV YLD	921946406
SPYV	SPDR SERIES TRUST	40,610	$2,307	0.4%	$45.70	—	STATE STREET SPD	78464A508
KMB	KIMBERLY-CLARK CORP	2,558	$258	0.0%	$116.33	-6.8%	COM	494368103
ROST	ROSS STORES INC	2,000	$360	0.1%	$98.51	+69.1%	COM	778296103
VTWO	VANGUARD SCOTTSDALE FDS	29,300	$2,918	0.5%	$80.41	—	VNG RUS2000IDX	92206C664
IWM	ISHARES TR	12,437	$3,061	0.5%	$215.33	—	RUSSELL 2000 ETF	464287655
VB	VANGUARD INDEX FDS	9,197	$2,372	0.4%	$212.79	—	SMALL CP ETF	922908751
DVY	ISHARES TR	43,027	$6,073	1.0%	$122.98	—	SELECT DIVID ETF	464287168
TFC	TRUIST FINL CORP	8,985	$442	0.1%	$28.30	+61.9%	COM	89832Q109
BKLC	BNY MELLON ETF TRUST	14,300	$1,870	0.3%	$81.00	—	US LRG CP CORE	09661T107
RLY	SSGA ACTIVE ETF TR	53,886	$1,695	0.3%	$27.62	—	STATE STREET MUL	78467V103
NOBL	PROSHARES TR	29,875	$3,109	0.5%	$98.58	—	S&P 500 DV ARIST	74348A467
SCHV	SCHWAB STRATEGIC TR	38,760	$1,148	0.2%	$39.87	—	US LCAP VA ETF	808524409
PNOV	INNOVATOR ETFS TRUST	35,112	$1,467	0.2%	$30.37	—	US EQTY PWR BUF	45782C573
NSC	NORFOLK SOUTHN CORP	2,048	$591	0.1%	$215.29	+34.1%	COM	655844108
VT	VANGUARD INTL EQUITY INDEX F	5,239	$739	0.1%	$113.56	—	TT WRLD ST ETF	922042742
GBIL	GOLDMAN SACHS ETF TR	28,189	$2,818	0.5%	$100.05	—	ACCES TREASURY	381430529
IWD	ISHARES TR	2,357	$496	0.1%	$189.73	—	RUS 1000 VAL ETF	464287598
AGG	ISHARES TR	36,373	$3,633	0.6%	$100.23	—	CORE US AGGBD ET	464287226
MPB	MID PENN BANCORP INC	7,137	$221	0.0%	$26.31	+11.0%	COM	59540G107
SCHB	SCHWAB STRATEGIC TR	26,162	$686	0.1%	$31.05	—	US BRD MKT ETF	808524102
ESGU	ISHARES TR	3,552	$529	0.1%	$88.36	—	ESG AWR MSCI USA	46435G425
DGRO	ISHARES TR	9,237	$641	0.1%	$54.56	—	CORE DIV GRWTH	46434V621
VTIP	VANGUARD MALVERN FDS	15,498	$767	0.1%	$49.73	—	STRM INFPROIDX	922020805
WOOD	ISHARES TR	6,915	$498	0.1%	$88.33	—	GL TIMB FORE ETF	464288174
OEF	ISHARES TR	676	$232	0.0%	$304.48	—	S&P 100 ETF	464287101
ALL	ALLSTATE CORP	1,000	$208	0.0%	$191.27	+6.7%	COM	020002101
PAAA	PGIM ETF TR	19,138	$981	0.2%	$51.21	—	AAA CLO ETF	69344A834
IXUS	ISHARES TR	2,698	$228	0.0%	$77.31	—	CORE MSCI TOTAL	46432F834
EQAL	INVESCO EXCH TRADED FD TR II	6,964	$367	0.1%	$52.00	—	RUSEL 1000 EQL	46138E420
MTB	M & T BK CORP	1,169	$236	0.0%	$116.96	+62.5%	COM	55261F104
VOO	VANGUARD INDEX FDS	464	$291	0.0%	$612.38	—	S&P 500 ETF SHS	922908363
INFL	LISTED FDS TR	15,031	$668	0.1%	$31.21	—	HORIZON KINETICS	53656F623
PFIS	PEOPLES FINL SVCS CORP	15,153	$738	0.1%	$42.92	+11.7%	COM	711040105
BRK/A	BERKSHIRE HATHAWAY INC DEL	1	$755	0.1%	$726917.40	+2.7%	CL A	084670108
BKCI	BNY MELLON ETF TRUST	10,571	$545	0.1%	$49.12	—	CONCENTRATED INT	09661T834