Note Advisors, LLC Diversified Active

CIK: 0002056243 · Show all filings

Period: Q4 2025 (← Previous)

Filing Date: Feb 18, 2026

Total Value ($000): $194,944 (100.0% shares, 0.0% debt)

Holdings (82)

New Positions (5)

DFIC DIMENSIONAL ETF TRUST 0.6%

Value ($000) $1,159 Shares 32,392 Est. Cost $35.78 Unrealized —

GLTR ABRDN PRECIOUS METALS BASKET 0.1%

Value ($000) $255 Shares 1,044 Est. Cost $244.41 Unrealized —

EVSD MORGAN STANLEY ETF TRUST 0.1%

Value ($000) $225 Shares 4,364 Est. Cost $51.51 Unrealized —

ICF ISHARES TR 0.1%

Value ($000) $221 Shares 3,612 Est. Cost $61.24 Unrealized —

SPYM SPDR SERIES TRUST 0.1%

Value ($000) $202 Shares 2,504 Est. Cost $80.64 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
DFIC	DIMENSIONAL ETF TRUST	32,392	$1,159	0.6%	$35.78	—	INTL CORE EQUITY	25434V799
GLTR	ABRDN PRECIOUS METALS BASKET	1,044	$255	0.1%	$244.41	—	PHYSCL PRECS MET	003263100
EVSD	MORGAN STANLEY ETF TRUST	4,364	$225	0.1%	$51.51	—	EATON VANCE SHOR	61774R825
ICF	ISHARES TR	3,612	$221	0.1%	$61.24	—	SELECT US REIT	464287564
SPYM	SPDR SERIES TRUST	2,504	$202	0.1%	$80.64	—	STATE STREET SPD	78464A854

Increased Positions (33)

DFAC DIMENSIONAL ETF TRUST 5.1%

Value ($000) $9,999 (+88.1%) Shares 246,533 (+78.9%) Est. Cost $37.80 Unrealized —

DFCF DIMENSIONAL ETF TRUST 9.6%

Value ($000) $18,802 (+30.4%) Shares 441,567 (+31.0%) Est. Cost $42.05 Unrealized —

DFAU DIMENSIONAL ETF TRUST 20.9%

Value ($000) $40,809 (+10.2%) Shares 860,943 (+6.4%) Est. Cost $41.23 Unrealized —

DFAI DIMENSIONAL ETF TRUST 7.9%

Value ($000) $15,309 (+20.0%) Shares 387,968 (+10.5%) Est. Cost $31.40 Unrealized —

DFGX DIMENSIONAL ETF TRUST 1.6%

Value ($000) $3,084 (+124.1%) Shares 58,437 (+129.1%) Est. Cost $52.70 Unrealized —

COR CENCORA INC 0.8%

Value ($000) $1,584 (+592.4%) Shares 73,244 (+9906.0%) Est. Cost $339.71 Unrealized +0.3%

DFAE DIMENSIONAL ETF TRUST 3.2%

Value ($000) $6,145 (+25.1%) Shares 178,123 (+14.3%) Est. Cost $27.60 Unrealized —

NYF ISHARES TR 2.6%

Value ($000) $5,085 (+22.2%) Shares 94,604 (+21.3%) Est. Cost $53.31 Unrealized —

VYMI VANGUARD WHITEHALL FDS 2.4%

Value ($000) $4,772 (+22.2%) Shares 51,460 (+11.6%) Est. Cost $73.02 Unrealized —

VNQ VANGUARD INDEX FDS 2.8%

Value ($000) $5,403 (+17.4%) Shares 59,199 (+17.6%) Est. Cost $89.72 Unrealized —

DFNM DIMENSIONAL ETF TRUST 1.3%

Value ($000) $2,542 (+35.4%) Shares 52,520 (+34.2%) Est. Cost $47.82 Unrealized —

VTEB VANGUARD MUN BD FDS 0.9%

Value ($000) $1,815 (+36.9%) Shares 35,927 (+35.7%) Est. Cost $50.23 Unrealized —

LQD ISHARES TR 1.9%

Value ($000) $3,699 (+13.7%) Shares 33,453 (+14.7%) Est. Cost $107.95 Unrealized —

TIP ISHARES TR 0.7%

Value ($000) $1,273 (+33.8%) Shares 11,557 (+35.1%) Est. Cost $108.01 Unrealized —

SCHD SCHWAB STRATEGIC TR 1.1%

Value ($000) $2,129 (+17.5%) Shares 73,039 (+10.0%) Est. Cost $27.48 Unrealized —

QYLD GLOBAL X FDS 1.3%

Value ($000) $2,524 (+13.3%) Shares 143,010 (+9.1%) Est. Cost $17.77 Unrealized —

DCOR DIMENSIONAL ETF TRUST 1.0%

Value ($000) $1,982 (+16.5%) Shares 26,409 (+11.6%) Est. Cost $67.12 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 1.0%

Value ($000) $2,014 (+12.0%) Shares 8,995 (+8.0%) Est. Cost $199.98 Unrealized —

JEPI J P MORGAN EXCHANGE TRADED F 1.1%

Value ($000) $2,182 (+10.3%) Shares 37,501 (+8.2%) Est. Cost $57.44 Unrealized —

PFFD GLOBAL X FDS 1.5%

Value ($000) $2,835 (+7.4%) Shares 145,184 (+6.8%) Est. Cost $19.43 Unrealized —

PZT INVESCO EXCH TRADED FD TR II 0.8%

Value ($000) $1,524 (+14.0%) Shares 68,714 (+14.3%) Est. Cost $22.62 Unrealized —

BND VANGUARD BD INDEX FDS 4.2%

Value ($000) $8,190 (+2.3%) Shares 110,470 (+2.6%) Est. Cost $72.27 Unrealized —

XHLF BONDBLOXX ETF TRUST 0.5%

Value ($000) $945 (+19.8%) Shares 18,769 (+20.0%) Est. Cost $50.41 Unrealized —

EMTL SSGA ACTIVE TR 0.7%

Value ($000) $1,335 (+13.0%) Shares 30,649 (+13.9%) Est. Cost $42.36 Unrealized —

SPHY SPDR SERIES TRUST 0.5%

Value ($000) $1,057 (+15.2%) Shares 44,357 (+15.7%) Est. Cost $23.58 Unrealized —

SPIP SPDR SERIES TRUST 1.4%

Value ($000) $2,818 (+5.0%) Shares 108,395 (+6.3%) Est. Cost $25.42 Unrealized —

DFAR DIMENSIONAL ETF TRUST 1.1%

Value ($000) $2,165 (+5.5%) Shares 91,782 (+6.6%) Est. Cost $23.44 Unrealized —

QQQ INVESCO QQQ TR 0.2%

Value ($000) $429 (+31.3%) Shares 696 (+27.9%) Est. Cost $503.94 Unrealized —

COMT ISHARES U S ETF TR 1.0%

Value ($000) $2,034 (+4.3%) Shares 77,232 (+6.4%) Est. Cost $25.64 Unrealized —

SPYV SPDR SERIES TRUST 0.1%

Value ($000) $260 (+13.4%) Shares 4,484 (+8.2%) Est. Cost $52.90 Unrealized —

SCHZ SCHWAB STRATEGIC TR 0.2%

Value ($000) $354 (+2.9%) Shares 15,122 (+3.2%) Est. Cost $22.74 Unrealized —

GIGB GOLDMAN SACHS ETF TR 0.4%

Value ($000) $813 (+1.2%) Shares 17,523 (+1.8%) Est. Cost $45.29 Unrealized —

AGG ISHARES TR 0.2%

Value ($000) $360 (+2.0%) Shares 3,599 (+2.3%) Est. Cost $97.09 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
DFAC	DIMENSIONAL ETF TRUST	246,533 (+78.9%)	$9,999 (+88.1%)	5.1%	$37.80	—	US CORE EQUITY 2	25434V708
DFCF	DIMENSIONAL ETF TRUST	441,567 (+31.0%)	$18,802 (+30.4%)	9.6%	$42.05	—	CORE FIXED INCOM	25434V872
DFAU	DIMENSIONAL ETF TRUST	860,943 (+6.4%)	$40,809 (+10.2%)	20.9%	$41.23	—	US CORE EQT MKT	25434V104
DFAI	DIMENSIONAL ETF TRUST	387,968 (+10.5%)	$15,309 (+20.0%)	7.9%	$31.40	—	INTL CORE EQT MK	25434V203
DFGX	DIMENSIONAL ETF TRUST	58,437 (+129.1%)	$3,084 (+124.1%)	1.6%	$52.70	—	GLOBAL EX US COR	25434V575
COR	CENCORA INC	73,244 (+9906.0%)	$1,584 (+592.4%)	0.8%	$339.71	+0.3%	COM	03073E105
DFAE	DIMENSIONAL ETF TRUST	178,123 (+14.3%)	$6,145 (+25.1%)	3.2%	$27.60	—	EMGR CRE EQT MNG	25434V302
NYF	ISHARES TR	94,604 (+21.3%)	$5,085 (+22.2%)	2.6%	$53.31	—	NEW YORK MUN ETF	464288323
VYMI	VANGUARD WHITEHALL FDS	51,460 (+11.6%)	$4,772 (+22.2%)	2.4%	$73.02	—	INTL HIGH ETF	921946794
VNQ	VANGUARD INDEX FDS	59,199 (+17.6%)	$5,403 (+17.4%)	2.8%	$89.72	—	REAL ESTATE ETF	922908553
DFNM	DIMENSIONAL ETF TRUST	52,520 (+34.2%)	$2,542 (+35.4%)	1.3%	$47.82	—	NATL MUN BD ETF	25434V849
VTEB	VANGUARD MUN BD FDS	35,927 (+35.7%)	$1,815 (+36.9%)	0.9%	$50.23	—	TAX EXEMPT BD	922907746
LQD	ISHARES TR	33,453 (+14.7%)	$3,699 (+13.7%)	1.9%	$107.95	—	IBOXX INV CP ETF	464287242
TIP	ISHARES TR	11,557 (+35.1%)	$1,273 (+33.8%)	0.7%	$108.01	—	TIPS BD ETF	464287176
SCHD	SCHWAB STRATEGIC TR	73,039 (+10.0%)	$2,129 (+17.5%)	1.1%	$27.48	—	US DIVIDEND EQ	808524797
QYLD	GLOBAL X FDS	143,010 (+9.1%)	$2,524 (+13.3%)	1.3%	$17.77	—	NASDAQ 100 COVER	37954Y483
DCOR	DIMENSIONAL ETF TRUST	26,409 (+11.6%)	$1,982 (+16.5%)	1.0%	$67.12	—	US CORE EQUITY 1	25434V625
VIG	VANGUARD SPECIALIZED FUNDS	8,995 (+8.0%)	$2,014 (+12.0%)	1.0%	$199.98	—	DIV APP ETF	921908844
JEPI	J P MORGAN EXCHANGE TRADED F	37,501 (+8.2%)	$2,182 (+10.3%)	1.1%	$57.44	—	EQUITY PREMIUM	46641Q332
PFFD	GLOBAL X FDS	145,184 (+6.8%)	$2,835 (+7.4%)	1.5%	$19.43	—	US PFD ETF	37954Y657
PZT	INVESCO EXCH TRADED FD TR II	68,714 (+14.3%)	$1,524 (+14.0%)	0.8%	$22.62	—	NY AMT FRE MUN	46138E529
BND	VANGUARD BD INDEX FDS	110,470 (+2.6%)	$8,190 (+2.3%)	4.2%	$72.27	—	TOTAL BND MRKT	921937835
XHLF	BONDBLOXX ETF TRUST	18,769 (+20.0%)	$945 (+19.8%)	0.5%	$50.41	—	BLOOMBERG SIX MN	09789C788
EMTL	SSGA ACTIVE TR	30,649 (+13.9%)	$1,335 (+13.0%)	0.7%	$42.36	—	STATE STREET DOU	78470P309
SPHY	SPDR SERIES TRUST	44,357 (+15.7%)	$1,057 (+15.2%)	0.5%	$23.58	—	STATE STREET SPD	78468R606
SPIP	SPDR SERIES TRUST	108,395 (+6.3%)	$2,818 (+5.0%)	1.4%	$25.42	—	STATE STREET SPD	78464A656
DFAR	DIMENSIONAL ETF TRUST	91,782 (+6.6%)	$2,165 (+5.5%)	1.1%	$23.44	—	US REAL ESTATE E	25434V823
QQQ	INVESCO QQQ TR	696 (+27.9%)	$429 (+31.3%)	0.2%	$503.94	—	UNIT SER 1	46090E103
COMT	ISHARES U S ETF TR	77,232 (+6.4%)	$2,034 (+4.3%)	1.0%	$25.64	—	GSCI CMDTY STGY	46431W853
SPYV	SPDR SERIES TRUST	4,484 (+8.2%)	$260 (+13.4%)	0.1%	$52.90	—	STATE STREET SPD	78464A508
SCHZ	SCHWAB STRATEGIC TR	15,122 (+3.2%)	$354 (+2.9%)	0.2%	$22.74	—	US AGGREGATE B	808524839
GIGB	GOLDMAN SACHS ETF TR	17,523 (+1.8%)	$813 (+1.2%)	0.4%	$45.29	—	ACCESS INVT GR	381430479
AGG	ISHARES TR	3,599 (+2.3%)	$360 (+2.0%)	0.2%	$97.09	—	CORE US AGGBD ET	464287226

Exited Positions (6)

FPE FIRST TR EXCH TRADED FD III 0.5%

Value ($000) $946 Shares 51,885 Est. Cost $17.64 Unrealized —

URI UNITED RENTALS INC 0.2%

Value ($000) $334 Shares 350 Est. Cost $804.87 Unrealized +7.7%

ORCL ORACLE CORP 0.1%

Value ($000) $255 Shares 906 Est. Cost $254.17 Unrealized -6.3%

NVDA NVIDIA CORPORATION 0.1%

Value ($000) $209 Shares 1,118 Est. Cost $174.29 Unrealized +6.8%

V VISA INC 0.1%

Value ($000) $208 Shares 608 Est. Cost $345.14 Unrealized -1.4%

BX BLACKSTONE INC 0.1%

Value ($000) $201 Shares 1,174 Est. Cost $169.47 Unrealized -10.6%

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
FPE	FIRST TR EXCH TRADED FD III	51,885	$946	0.5%	$17.64	—	—	33739E108
URI	UNITED RENTALS INC	350	$334	0.2%	$804.87	+7.7%	—	911363109
ORCL	ORACLE CORP	906	$255	0.1%	$254.17	-6.3%	—	68389X105
NVDA	NVIDIA CORPORATION	1,118	$209	0.1%	$174.29	+6.8%	—	67066G104
V	VISA INC	608	$208	0.1%	$345.14	-1.4%	—	92826C839
BX	BLACKSTONE INC	1,174	$201	0.1%	$169.47	-10.6%	—	09260D107

Decreased Positions (25)

BNDX VANGUARD CHARLOTTE FDS 1.8%

Value ($000) $3,517 (-18.3%) Shares 72,614 (-16.5%) Est. Cost $49.13 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 1.5%

Value ($000) $2,919 (+6.6%) Shares 44,901 (-1.8%) Est. Cost $48.12 Unrealized —

IAGG ISHARES TR 0.5%

Value ($000) $940 (-11.6%) Shares 18,735 (-9.8%) Est. Cost $50.07 Unrealized —

GOOGL ALPHABET INC 0.3%

Value ($000) $564 (+26.3%) Shares 1,717 (-6.5%) Est. Cost $179.77 Unrealized +58.9%

AAPL APPLE INC 0.5%

Value ($000) $959 (-8.2%) Shares 3,871 (-5.6%) Est. Cost $233.82 Unrealized +14.8%

META META PLATFORMS INC 0.1%

Value ($000) $276 (-21.3%) Shares 450 (-5.7%) Est. Cost $604.01 Unrealized +10.5%

VONE VANGUARD SCOTTSDALE FDS 3.6%

Value ($000) $6,981 (-1.0%) Shares 22,435 (-3.8%) Est. Cost $266.72 Unrealized —

JPM JPMORGAN CHASE & CO. 0.1%

Value ($000) $250 (-17.2%) Shares 828 (-13.6%) Est. Cost $261.11 Unrealized +18.5%

UAL UNITED AIRLS HLDGS INC 0.3%

Value ($000) $653 (+8.1%) Shares 5,884 (-6.0%) Est. Cost $84.54 Unrealized +19.5%

MUB ISHARES TR 0.5%

Value ($000) $1,044 (-3.7%) Shares 9,708 (-4.6%) Est. Cost $106.55 Unrealized —

TSLA TESLA INC 0.1%

Value ($000) $238 (-13.5%) Shares 552 (-10.8%) Est. Cost $346.84 Unrealized +27.8%

HD HOME DEPOT INC 0.2%

Value ($000) $349 (-9.6%) Shares 908 (-4.7%) Est. Cost $396.63 Unrealized -8.1%

XOM EXXON MOBIL CORP 0.1%

Value ($000) $252 (+16.6%) Shares 1,883 (-1.6%) Est. Cost $112.25 Unrealized +2.9%

AVGO BROADCOM INC 0.3%

Value ($000) $492 (-6.6%) Shares 1,497 (-6.3%) Est. Cost $194.18 Unrealized +83.9%

BRK/B BERKSHIRE HATHAWAY INC DEL 0.2%

Value ($000) $416 (-6.6%) Shares 859 (-3.0%) Est. Cost $462.40 Unrealized +7.6%

WMT WALMART INC 0.1%

Value ($000) $256 (+9.4%) Shares 2,142 (-5.5%) Est. Cost $95.19 Unrealized +12.6%

EEM ISHARES TR 0.1%

Value ($000) $276 (+7.5%) Shares 4,745 (-1.5%) Est. Cost $41.95 Unrealized —

MTB M & T BK CORP 0.2%

Value ($000) $342 (+5.4%) Shares 1,560 (-4.9%) Est. Cost $192.14 Unrealized -1.1%

AMZN AMAZON COM INC 0.2%

Value ($000) $427 (-2.6%) Shares 1,846 (-7.5%) Est. Cost $211.00 Unrealized +8.4%

MDYV SPDR SERIES TRUST 0.1%

Value ($000) $216 (+5.3%) Shares 2,403 (-2.2%) Est. Cost $83.41 Unrealized —

XYLD GLOBAL X FDS 0.2%

Value ($000) $467 (+1.8%) Shares 11,548 (-1.1%) Est. Cost $41.90 Unrealized —

DGRO ISHARES TR 0.1%

Value ($000) $280 (+2.5%) Shares 3,928 (-2.0%) Est. Cost $61.34 Unrealized —

SCZ ISHARES TR 0.1%

Value ($000) $224 (-3.0%) Shares 2,770 (-7.9%) Est. Cost $60.75 Unrealized —

C CITIGROUP INC 0.1%

Value ($000) $212 (+2.2%) Shares 1,863 (-8.9%) Est. Cost $94.11 Unrealized +10.1%

IWB ISHARES TR 0.6%

Value ($000) $1,192 (-0.2%) Shares 3,168 (-3.0%) Est. Cost $322.16 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
BNDX	VANGUARD CHARLOTTE FDS	72,614 (-16.5%)	$3,517 (-18.3%)	1.8%	$49.13	—	TOTAL INT BD ETF	92203J407
VEA	VANGUARD TAX-MANAGED FDS	44,901 (-1.8%)	$2,919 (+6.6%)	1.5%	$48.12	—	VAN FTSE DEV MKT	921943858
IAGG	ISHARES TR	18,735 (-9.8%)	$940 (-11.6%)	0.5%	$50.07	—	CORE INTL AGGR	46435G672
GOOGL	ALPHABET INC	1,717 (-6.5%)	$564 (+26.3%)	0.3%	$179.77	+58.9%	CAP STK CL A	02079K305
AAPL	APPLE INC	3,871 (-5.6%)	$959 (-8.2%)	0.5%	$233.82	+14.8%	COM	037833100
META	META PLATFORMS INC	450 (-5.7%)	$276 (-21.3%)	0.1%	$604.01	+10.5%	CL A	30303M102
VONE	VANGUARD SCOTTSDALE FDS	22,435 (-3.8%)	$6,981 (-1.0%)	3.6%	$266.72	—	VNG RUS1000IDX	92206C730
JPM	JPMORGAN CHASE & CO.	828 (-13.6%)	$250 (-17.2%)	0.1%	$261.11	+18.5%	COM	46625H100
UAL	UNITED AIRLS HLDGS INC	5,884 (-6.0%)	$653 (+8.1%)	0.3%	$84.54	+19.5%	COM	910047109
MUB	ISHARES TR	9,708 (-4.6%)	$1,044 (-3.7%)	0.5%	$106.55	—	NATIONAL MUN ETF	464288414
TSLA	TESLA INC	552 (-10.8%)	$238 (-13.5%)	0.1%	$346.84	+27.8%	COM	88160R101
HD	HOME DEPOT INC	908 (-4.7%)	$349 (-9.6%)	0.2%	$396.63	-8.1%	COM	437076102
XOM	EXXON MOBIL CORP	1,883 (-1.6%)	$252 (+16.6%)	0.1%	$112.25	+2.9%	COM	30231G102
AVGO	BROADCOM INC	1,497 (-6.3%)	$492 (-6.6%)	0.3%	$194.18	+83.9%	COM	11135F101
BRK/B	BERKSHIRE HATHAWAY INC DEL	859 (-3.0%)	$416 (-6.6%)	0.2%	$462.40	+7.6%	CL B NEW	084670702
WMT	WALMART INC	2,142 (-5.5%)	$256 (+9.4%)	0.1%	$95.19	+12.6%	COM	931142103
EEM	ISHARES TR	4,745 (-1.5%)	$276 (+7.5%)	0.1%	$41.95	—	MSCI EMG MKT ETF	464287234
MTB	M & T BK CORP	1,560 (-4.9%)	$342 (+5.4%)	0.2%	$192.14	-1.1%	COM	55261F104
AMZN	AMAZON COM INC	1,846 (-7.5%)	$427 (-2.6%)	0.2%	$211.00	+8.4%	COM	023135106
MDYV	SPDR SERIES TRUST	2,403 (-2.2%)	$216 (+5.3%)	0.1%	$83.41	—	STATE STREET SPD	78464A839
XYLD	GLOBAL X FDS	11,548 (-1.1%)	$467 (+1.8%)	0.2%	$41.90	—	S&P 500 COVERED	37954Y475
DGRO	ISHARES TR	3,928 (-2.0%)	$280 (+2.5%)	0.1%	$61.34	—	CORE DIV GRWTH	46434V621
SCZ	ISHARES TR	2,770 (-7.9%)	$224 (-3.0%)	0.1%	$60.75	—	EAFE SML CP ETF	464288273
C	CITIGROUP INC	1,863 (-8.9%)	$212 (+2.2%)	0.1%	$94.11	+10.1%	COM NEW	172967424
IWB	ISHARES TR	3,168 (-3.0%)	$1,192 (-0.2%)	0.6%	$322.16	—	RUS 1000 ETF	464287622

Unchanged Positions (19)

GOOG ALPHABET INC 1.1%

Value ($000) $2,082 Shares 6,339 Est. Cost $176.04 Unrealized +62.7%

MSFT MICROSOFT CORP 0.6%

Value ($000) $1,110 Shares 2,500 Est. Cost $447.82 Unrealized +11.8%

IXUS ISHARES TR 0.6%

Value ($000) $1,221 Shares 13,856 Est. Cost $66.14 Unrealized —

NBTB NBT BANCORP INC 0.5%

Value ($000) $883 Shares 19,535 Est. Cost $41.63 Unrealized -0.1%

ADI ANALOG DEVICES INC 0.2%

Value ($000) $332 Shares 1,089 Est. Cost $217.44 Unrealized +15.3%

VTWV VANGUARD SCOTTSDALE FDS 0.2%

Value ($000) $433 Shares 2,485 Est. Cost $144.61 Unrealized —

VXUS VANGUARD STAR FDS 0.2%

Value ($000) $447 Shares 5,686 Est. Cost $58.93 Unrealized —

VTV VANGUARD INDEX FDS 0.2%

Value ($000) $438 Shares 2,205 Est. Cost $169.31 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 0.3%

Value ($000) $556 Shares 9,901 Est. Cost $44.46 Unrealized —

VOE VANGUARD INDEX FDS 0.2%

Value ($000) $403 Shares 2,175 Est. Cost $161.77 Unrealized —

VTI VANGUARD INDEX FDS 0.3%

Value ($000) $523 Shares 1,543 Est. Cost $328.17 Unrealized —

HDV ISHARES TR 0.2%

Value ($000) $324 Shares 2,533 Est. Cost $112.26 Unrealized —

DFIP DIMENSIONAL ETF TRUST 0.2%

Value ($000) $427 Shares 10,250 Est. Cost $40.49 Unrealized —

ESGU ISHARES TR 0.2%

Value ($000) $295 Shares 1,974 Est. Cost $128.82 Unrealized —

VWOB VANGUARD WHITEHALL FDS 0.4%

Value ($000) $702 Shares 10,387 Est. Cost $63.15 Unrealized —

VTC VANGUARD SCOTTSDALE FDS 0.4%

Value ($000) $725 Shares 9,310 Est. Cost $75.71 Unrealized —

MCD MCDONALDS CORP 0.6%

Value ($000) $1,231 Shares 4,027 Est. Cost $290.37 Unrealized +5.1%

SCHR SCHWAB STRATEGIC TR 0.2%

Value ($000) $374 Shares 14,968 Est. Cost $24.32 Unrealized —

SGOV ISHARES TR 0.2%

Value ($000) $365 Shares 3,632 Est. Cost $100.32 Unrealized —

Ticker	Issuer	Shares	Value ($000)	%	Est. Cost	Unrealized	Class	CUSIP
GOOG	ALPHABET INC	6,339	$2,082	1.1%	$176.04	+62.7%	CAP STK CL C	02079K107
MSFT	MICROSOFT CORP	2,500	$1,110	0.6%	$447.82	+11.8%	COM	594918104
IXUS	ISHARES TR	13,856	$1,221	0.6%	$66.14	—	CORE MSCI TOTAL	46432F834
NBTB	NBT BANCORP INC	19,535	$883	0.5%	$41.63	-0.1%	COM	628778102
ADI	ANALOG DEVICES INC	1,089	$332	0.2%	$217.44	+15.3%	COM	032654105
VTWV	VANGUARD SCOTTSDALE FDS	2,485	$433	0.2%	$144.61	—	VNG RUS2000VAL	92206C649
VXUS	VANGUARD STAR FDS	5,686	$447	0.2%	$58.93	—	VG TL INTL STK F	921909768
VTV	VANGUARD INDEX FDS	2,205	$438	0.2%	$169.31	—	VALUE ETF	922908744
VWO	VANGUARD INTL EQUITY INDEX F	9,901	$556	0.3%	$44.46	—	FTSE EMR MKT ETF	922042858
VOE	VANGUARD INDEX FDS	2,175	$403	0.2%	$161.77	—	MCAP VL IDXVIP	922908512
VTI	VANGUARD INDEX FDS	1,543	$523	0.3%	$328.17	—	TOTAL STK MKT	922908769
HDV	ISHARES TR	2,533	$324	0.2%	$112.26	—	CORE HIGH DV ETF	46429B663
DFIP	DIMENSIONAL ETF TRUST	10,250	$427	0.2%	$40.49	—	INFLATION PROTE	25434V856
ESGU	ISHARES TR	1,974	$295	0.2%	$128.82	—	ESG AWR MSCI USA	46435G425
VWOB	VANGUARD WHITEHALL FDS	10,387	$702	0.4%	$63.15	—	EM MK GOV BD ETF	921946885
VTC	VANGUARD SCOTTSDALE FDS	9,310	$725	0.4%	$75.71	—	TOTAL CORP BND	92206C573
MCD	MCDONALDS CORP	4,027	$1,231	0.6%	$290.37	+5.1%	COM	580135101
SCHR	SCHWAB STRATEGIC TR	14,968	$374	0.2%	$24.32	—	INT-TRM U.S TRES	808524854
SGOV	ISHARES TR	3,632	$365	0.2%	$100.32	—	0-3 MNTH TREASRY	46436E718