Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
DFAU	DIMENSIONAL ETF TRUST	773,824	$32.78M	22.7%	$40.61	—	US CORE EQT MKT	25434V104
DFAI	DIMENSIONAL ETF TRUST	336,987	$11.65M	8.1%	$30.31	—	INTL CORE EQT MK	25434V203
DFCF	DIMENSIONAL ETF TRUST	274,299	$11.59M	8.0%	$41.68	—	CORE FIXED INCOM	25434V872
BND	VANGUARD BD INDEX FDS	100,229	$7.38M	5.1%	$72.06	—	TOTAL BND MRKT	921937835
VONE	VANGUARD SCOTTSDALE FDS	23,771	$6.676M	4.6%	$266.72	—	VNG RUS1000IDX	92206C730
DFAE	DIMENSIONAL ETF TRUST	146,271	$4.235M	2.9%	$26.29	—	EMGR CRE EQT MNG	25434V302
VNQ	VANGUARD INDEX FDS	43,933	$3.913M	2.7%	$89.17	—	REAL ESTATE ETF	922908553
DFAC	DIMENSIONAL ETF TRUST	104,196	$3.734M	2.6%	$34.67	—	US CORE EQUITY 2	25434V708
BNDX	VANGUARD CHARLOTTE FDS	73,507	$3.639M	2.5%	$49.06	—	TOTAL INT BD ETF	92203J407
VYMI	VANGUARD WHITEHALL FDS	41,892	$3.356M	2.3%	$69.33	—	INTL HIGH ETF	921946794
NYF	ISHARES TR	54,628	$2.848M	2.0%	$53.15	—	NEW YORK MUN ETF	464288323
LQD	ISHARES TR	25,595	$2.805M	1.9%	$107.02	—	IBOXX INV CP ETF	464287242
VEA	VANGUARD TAX-MANAGED FDS	45,506	$2.594M	1.8%	$48.12	—	VAN FTSE DEV MKT	921943858
SPIP	SPDR SERIES TRUST	96,573	$2.517M	1.7%	$25.34	—	PORTFLI TIPS ETF	78464A656
PFFD	GLOBAL X FDS	129,976	$2.447M	1.7%	$19.42	—	US PFD ETF	37954Y657
QYLD	GLOBAL X FDS	110,557	$1.849M	1.3%	$17.92	—	NASDAQ 100 COVER	37954Y483
DFAR	DIMENSIONAL ETF TRUST	78,045	$1.831M	1.3%	$23.39	—	US REAL ESTATE E	25434V823
COMT	ISHARES U S ETF TR	66,886	$1.729M	1.2%	$25.48	—	GSCI CMDTY STGY	46431W853
DFNM	DIMENSIONAL ETF TRUST	35,837	$1.7M	1.2%	$47.59	—	NATL MUN BD ETF	25434V849
JEPI	J P MORGAN EXCHANGE TRADED F	28,443	$1.617M	1.1%	$57.44	—	EQUITY PREMIUM	46641Q332
SCHD	SCHWAB STRATEGIC TR	59,718	$1.583M	1.1%	$27.31	—	US DIVIDEND EQ	808524797
DCOR	DIMENSIONAL ETF TRUST	23,129	$1.546M	1.1%	$66.06	—	US CORE EQUITY 1	25434V625
VIG	VANGUARD SPECIALIZED FUNDS	7,554	$1.546M	1.1%	$196.25	—	DIV APP ETF	921908844
VTEB	VANGUARD MUN BD FDS	27,041	$1.326M	0.9%	$50.13	—	TAX EXEMPT BD	922907746
PZT	INVESCO EXCH TRADED FD TR II	60,973	$1.319M	0.9%	$22.68	—	NY AMT FRE MUN	46138E529
DFGX	DIMENSIONAL ETF TRUST	23,434	$1.25M	0.9%	$52.47	—	GLOBAL EX US COR	25434V575
MCD	MCDONALDS CORP	3,982	$1.163M	0.8%	$290.22	+4.6%	COM	580135101
MUB	ISHARES TR	10,737	$1.122M	0.8%	$106.55	—	NATIONAL MUN ETF	464288414
GOOG	ALPHABET INC	6,311	$1.12M	0.8%	$175.67	-6.2%	CAP STK CL C	02079K107
IWB	ISHARES TR	3,267	$1.109M	0.8%	$322.16	—	RUS 1000 ETF	464287622
EMTL	SSGA ACTIVE TR	25,640	$1.107M	0.8%	$42.10	—	SPDR DBLELN EMRG	78470P309
IXUS	ISHARES TR	14,017	$1.084M	0.7%	$66.14	—	CORE MSCI TOTAL	46432F834
IAGG	ISHARES TR	20,056	$1.025M	0.7%	$50.03	—	CORE INTL AGGR	46435G672
MSFT	MICROSOFT CORP	1,762	$877K	0.6%	$422.35	+2.4%	COM	594918104
FPE	FIRST TR EXCH TRADED FD III	49,022	$873K	0.6%	$17.61	—	PFD SECS INC ETF	33739E108
SPHY	SPDR SERIES TRUST	34,259	$815K	0.6%	$23.50	—	PORTFLI HIGH YLD	78468R606
NBTB	NBT BANCORP INC	19,293	$802K	0.6%	$41.63	0.0%	COM	628778102
TIP	ISHARES TR	7,249	$798K	0.6%	$106.55	—	TIPS BD ETF	464287176
AAPL	APPLE INC	3,786	$777K	0.5%	$234.51	-14.1%	COM	037833100
GIGB	GOLDMAN SACHS ETF TR	16,433	$756K	0.5%	$45.20	—	ACCESS INVT GR	381430479
VTC	VANGUARD SCOTTSDALE FDS	9,310	$720K	0.5%	$75.71	—	TOTAL CORP BND	92206C573
VWOB	VANGUARD WHITEHALL FDS	11,001	$719K	0.5%	$63.15	—	EM MK GOV BD ETF	921946885
UAL	UNITED AIRLS HLDGS INC	6,260	$498K	0.3%	$84.54	-12.9%	COM	910047109
VWO	VANGUARD INTL EQUITY INDEX F	9,425	$466K	0.3%	$44.04	—	FTSE EMR MKT ETF	922042858
XYLD	GLOBAL X FDS	11,944	$465K	0.3%	$41.90	—	S&P 500 COVERED	37954Y475
DFIP	DIMENSIONAL ETF TRUST	10,250	$429K	0.3%	$40.49	—	INFLATION PROTE	25434V856
BRK/B	BERKSHIRE HATHAWAY INC DEL	860	$418K	0.3%	$461.73	+10.0%	CL B NEW	084670702
AVGO	BROADCOM INC	1,450	$400K	0.3%	$182.87	+18.1%	COM	11135F101
VXUS	VANGUARD STAR FDS	5,686	$393K	0.3%	$58.93	—	VG TL INTL STK F	921909768
VTV	VANGUARD INDEX FDS	2,218	$392K	0.3%	$169.31	—	VALUE ETF	922908744
SGOV	ISHARES TR	3,632	$366K	0.3%	$100.32	—	0-3 MNTH TREASRY	46436E718
SCHR	SCHWAB STRATEGIC TR	14,518	$363K	0.3%	$24.29	—	INT-TRM U.S TRES	808524854
VOE	VANGUARD INDEX FDS	2,190	$360K	0.2%	$161.77	—	MCAP VL IDXVIP	922908512
SCHZ	SCHWAB STRATEGIC TR	15,068	$350K	0.2%	$22.72	—	US AGGREGATE B	808524839
VTWV	VANGUARD SCOTTSDALE FDS	2,505	$348K	0.2%	$144.61	—	VNG RUS2000VAL	92206C649
AGG	ISHARES TR	3,391	$336K	0.2%	$96.90	—	CORE US AGGBD ET	464287226
HD	HOME DEPOT INC	878	$322K	0.2%	$397.26	-10.4%	COM	437076102
MTB	M & T BK CORP	1,635	$317K	0.2%	$192.14	-10.0%	COM	55261F104
META	META PLATFORMS INC	419	$309K	0.2%	$584.74	+5.5%	CL A	30303M102
AMZN	AMAZON COM INC	1,408	$309K	0.2%	$204.58	-3.3%	COM	023135106
HDV	ISHARES TR	2,511	$294K	0.2%	$112.26	—	CORE HIGH DV ETF	46429B663
QQQ	INVESCO QQQ TR	529	$292K	0.2%	$468.92	—	UNIT SER 1	46090E103
GOOGL	ALPHABET INC	1,542	$272K	0.2%	$174.14	-6.2%	CAP STK CL A	02079K305
ESGU	ISHARES TR	1,974	$267K	0.2%	$128.82	—	ESG AWR MSCI USA	46435G425
URI	UNITED RENTALS INC	350	$264K	0.2%	$804.87	-17.3%	COM	911363109
DGRO	ISHARES TR	4,022	$257K	0.2%	$61.34	—	CORE DIV GRWTH	46434V621
ADI	ANALOG DEVICES INC	1,056	$251K	0.2%	$216.79	-5.0%	COM	032654105
SCZ	ISHARES TR	3,236	$235K	0.2%	$60.75	—	EAFE SML CP ETF	464288273
EEM	ISHARES TR	4,762	$230K	0.2%	$41.82	—	MSCI EMG MKT ETF	464287234
JPM	JPMORGAN CHASE & CO.	771	$224K	0.2%	$252.67	0.0%	COM	46625H100
COR	CENCORA INC	737	$221K	0.2%	$249.56	+14.9%	COM	03073E105
SPYV	SPDR SERIES TRUST	3,950	$207K	0.1%	$52.34	—	PRTFLO S&P500 VL	78464A508
XOM	EXXON MOBIL CORP	1,883	$203K	0.1%	$112.29	-6.9%	COM	30231G102
WMT	WALMART INC	2,052	$201K	0.1%	$94.76	0.0%	COM	931142103