Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
DFAU	DIMENSIONAL ETF TRUST	937,081	$42.28M	21.1%	$41.55	—	US CORE EQT MKT	25434V104
DFCF	DIMENSIONAL ETF TRUST	476,577	$20.12M	10.1%	$42.06	—	CORE FIXED INCOM	25434V872
DFAI	DIMENSIONAL ETF TRUST	409,445	$15.95M	8.0%	$31.80	—	INTL CORE EQT MK	25434V203
DFAC	DIMENSIONAL ETF TRUST	250,336	$9.728M	4.9%	$37.82	—	US CORE EQUITY 2	25434V708
BND	VANGUARD BD INDEX FDS	116,845	$8.605M	4.3%	$72.35	—	TOTAL BND MRKT	921937835
VONE	VANGUARD SCOTTSDALE FDS	22,069	$6.513M	3.3%	$266.72	—	VNG RUS1000IDX	92206C730
DFAE	DIMENSIONAL ETF TRUST	185,564	$6.283M	3.1%	$27.85	—	EMGR CRE EQT MNG	25434V302
VNQ	VANGUARD INDEX FDS	61,033	$5.414M	2.7%	$89.69	—	REAL ESTATE ETF	922908553
NYF	ISHARES TR	96,345	$5.118M	2.6%	$53.30	—	NEW YORK MUN ETF	464288323
VYMI	VANGUARD WHITEHALL FDS	52,245	$4.924M	2.5%	$73.34	—	INTL HIGH ETF	921946794
LQD	ISHARES TR	34,987	$3.813M	1.9%	$107.99	—	IBOXX INV CP ETF	464287242
FPE	FIRST TR EXCH TRADED FD III	214,241	$3.803M	1.9%	$17.75	—	PFD SECS INC ETF	33739E108
BNDX	VANGUARD CHARLOTTE FDS	73,974	$3.554M	1.8%	$49.11	—	TOTAL INT BD ETF	92203J407
DFGX	DIMENSIONAL ETF TRUST	61,430	$3.222M	1.6%	$52.69	—	DIMENSIONAL INTE	25434V575
SPIP	SPDR SERIES TRUST	114,850	$2.987M	1.5%	$25.46	—	STATE STREET SPD	78464A656
VEA	VANGUARD TAX-MANAGED FDS	44,890	$2.877M	1.4%	$48.12	—	VAN FTSE DEV MKT	921943858
DFNM	DIMENSIONAL ETF TRUST	57,721	$2.767M	1.4%	$47.83	—	NATL MUN BD ETF	25434V849
QYLD	GLOBAL X FDS	149,408	$2.562M	1.3%	$17.74	—	NASDAQ 100 COVER	37954Y483
COMT	ISHARES U S ETF TR	74,005	$2.502M	1.3%	$25.64	—	GSCI CMDTY STGY	46431W853
SCHD	SCHWAB STRATEGIC TR	74,463	$2.285M	1.1%	$27.54	—	US DIVIDEND EQ	808524797
DFAR	DIMENSIONAL ETF TRUST	95,695	$2.263M	1.1%	$23.45	—	US REAL ESTATE E	25434V823
JEPI	J P MORGAN EXCHANGE TRADED F	39,289	$2.227M	1.1%	$57.40	—	EQUITY PREMIUM	46641Q332
DCOR	DIMENSIONAL ETF TRUST	30,294	$2.184M	1.1%	$67.76	—	US CORE EQUITY 1	25434V625
VIG	VANGUARD SPECIALIZED FUNDS	9,440	$2.03M	1.0%	$200.69	—	DIV APP ETF	921908844
GOOG	ALPHABET INC	6,356	$1.823M	0.9%	$176.04	+83.9%	CAP STK CL C	02079K107
VTEB	VANGUARD MUN BD FDS	35,494	$1.771M	0.9%	$50.23	—	TAX EXEMPT BD	922907746
PZT	INVESCO EXCH TRADED FD TR II	73,198	$1.615M	0.8%	$22.59	—	NY AMT FRE MUN	46138E529
EMTL	SSGA ACTIVE TR	32,872	$1.399M	0.7%	$42.37	—	STATE STREET DOU	78470P309
TIP	ISHARES TR	11,432	$1.262M	0.6%	$108.01	—	TIPS BD ETF	464287176
MCD	MCDONALDS CORP	4,027	$1.252M	0.6%	$290.37	+9.3%	COM	580135101
IXUS	ISHARES TR	13,856	$1.2M	0.6%	$66.14	—	CORE MSCI TOTAL	46432F834
DFIC	DIMENSIONAL ETF TRUST	32,269	$1.147M	0.6%	$35.78	—	INTL CORE EQUITY	25434V799
IWB	ISHARES TR	3,168	$1.13M	0.6%	$322.16	—	RUS 1000 ETF	464287622
SPHY	SPDR SERIES TRUST	47,870	$1.116M	0.6%	$23.56	—	STATE STREET SPD	78468R606
MUB	ISHARES TR	9,828	$1.043M	0.5%	$106.55	—	NATIONAL MUN ETF	464288414
GIGB	GOLDMAN SACHS ETF TR	22,551	$1.033M	0.5%	$45.40	—	ACCESS INVT GR	381430479
IAGG	ISHARES TR	19,933	$997K	0.5%	$50.07	—	CORE INTL AGGR	46435G672
AAPL	APPLE INC	3,871	$983K	0.5%	$233.82	+12.4%	COM	037833100
XHLF	BONDBLOXX ETF TRUST	18,687	$941K	0.5%	$50.41	—	BLOOMBERG SIX MN	09789C788
MSFT	MICROSOFT CORP	2,468	$914K	0.5%	$447.82	-2.9%	COM	594918104
NBTB	NBT BANCORP INC	17,879	$761K	0.4%	$41.63	+6.5%	COM	628778102
VTC	VANGUARD SCOTTSDALE FDS	9,310	$715K	0.4%	$75.71	—	TOTAL CORP BND	92206C573
VWOB	VANGUARD WHITEHALL FDS	10,623	$698K	0.3%	$63.21	—	EM MK GOV BD ETF	921946885
VWO	VANGUARD INTL EQUITY INDEX F	10,647	$575K	0.3%	$45.13	—	FTSE EMR MKT ETF	922042858
VTI	VANGUARD INDEX FDS	1,772	$568K	0.3%	$327.22	—	TOTAL STK MKT	922908769
UAL	UNITED AIRLS HLDGS INC	5,884	$542K	0.3%	$84.54	+32.1%	COM	910047109
GOOGL	ALPHABET INC	1,717	$494K	0.2%	$179.77	+79.8%	CAP STK CL A	02079K305
AVGO	BROADCOM INC	1,497	$463K	0.2%	$194.18	+72.1%	COM	11135F101
XYLD	GLOBAL X FDS	11,808	$462K	0.2%	$41.84	—	S&P 500 COVERED	37954Y475
VXUS	VANGUARD STAR FDS	5,686	$438K	0.2%	$58.93	—	VG TL INTL STK F	921909768
VTV	VANGUARD INDEX FDS	2,205	$433K	0.2%	$169.31	—	VALUE ETF	922908744
DFIP	DIMENSIONAL ETF TRUST	10,249	$428K	0.2%	$40.49	—	INFLATION PROTE	25434V856
VOE	VANGUARD INDEX FDS	2,274	$419K	0.2%	$162.75	—	MCAP VL IDXVIP	922908512
VTWV	VANGUARD SCOTTSDALE FDS	2,490	$416K	0.2%	$144.61	—	VNG RUS2000VAL	92206C649
BRK/B	BERKSHIRE HATHAWAY INC DEL	859	$412K	0.2%	$462.40	+6.7%	CL B NEW	084670702
AMZN	AMAZON COM INC	1,964	$409K	0.2%	$211.95	+7.0%	COM	023135106
SCHZ	SCHWAB STRATEGIC TR	17,580	$408K	0.2%	$22.80	—	US AGGREGATE B	808524839
QQQ	INVESCO QQQ TR	696	$402K	0.2%	$503.94	—	UNIT SER 1	46090E103
PFFD	GLOBAL X FDS	21,416	$394K	0.2%	$19.43	—	US PFD ETF	37954Y657
SCHR	SCHWAB STRATEGIC TR	14,968	$373K	0.2%	$24.32	—	INT-TRM U.S TRES	808524854
SGOV	ISHARES TR	3,632	$366K	0.2%	$100.32	—	0-3 MNTH TREASRY	46436E718
AGG	ISHARES TR	3,660	$363K	0.2%	$97.12	—	CORE US AGGBD ET	464287226
ADI	ANALOG DEVICES INC	1,090	$347K	0.2%	$217.44	+45.4%	COM	032654105
MTB	M & T BK CORP	1,562	$323K	0.2%	$192.14	+15.1%	COM	55261F104
XOM	EXXON MOBIL CORP	1,872	$318K	0.2%	$112.25	+23.6%	COM	30231G102
HD	HOME DEPOT INC	962	$316K	0.2%	$395.52	-4.7%	COM	437076102
META	META PLATFORMS INC	548	$314K	0.2%	$613.23	+6.9%	CL A	30303M102
ESGU	ISHARES TR	1,974	$279K	0.1%	$128.82	—	ESG AWR MSCI USA	46435G425
EEM	ISHARES TR	4,745	$269K	0.1%	$41.95	—	MSCI EMG MKT ETF	464287234
WMT	WALMART INC	2,142	$266K	0.1%	$95.19	+28.2%	COM	931142103
DGRO	ISHARES TR	3,685	$259K	0.1%	$61.34	—	CORE DIV GRWTH	46434V621
HDV	ISHARES TR	1,897	$257K	0.1%	$112.26	—	CORE HIGH DV ETF	46429B663
SPYV	SPDR SERIES TRUST	4,484	$254K	0.1%	$52.90	—	STATE STREET SPD	78464A508
BCD	ABRDN ETFS	6,993	$250K	0.1%	$35.78	—	BBRG ALL COMMDY	003261203
NVDA	NVIDIA CORPORATION	1,430	$249K	0.1%	$186.63	0.0%	COM	67066G104
JPM	JPMORGAN CHASE & CO	828	$244K	0.1%	$261.11	+19.3%	COM	46625H100
COR	CENCORA INC	733	$230K	0.1%	$339.71	+3.9%	COM	03073E105
GLTR	ABRDN PRECIOUS METALS BASKET	1,044	$228K	0.1%	$244.41	—	PHYSCL PRECS MET	003263100
ICF	ISHARES TR	3,652	$226K	0.1%	$61.25	—	SELECT US REIT	464287564
EVSD	MORGAN STANLEY ETF TRUST	4,364	$222K	0.1%	$51.51	—	EATON VANCE SHOR	61774R825
SCZ	ISHARES TR	2,770	$217K	0.1%	$60.75	—	EAFE SML CP ETF	464288273
ANGL	VANECK ETF TRUST	7,472	$215K	0.1%	$28.72	—	FALLEN ANGEL HG	92189F437
C	CITIGROUP INC	1,863	$211K	0.1%	$94.11	+23.4%	COM NEW	172967424
TSLA	TESLA INC	552	$205K	0.1%	$346.84	+22.8%	COM	88160R101
MDYV	SPDR SERIES TRUST	2,403	$205K	0.1%	$83.41	—	STATE STREET SPD	78464A839