Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SPYG	SPDR SERIES TRUST	96,576	$10.3M	9.6%	$106.70	—	STATE STREET SPD	78464A409
SPYV	SPDR SERIES TRUST	167,759	$9.53M	8.8%	$56.81	—	STATE STREET SPD	78464A508
IEFA	ISHARES TR	100,636	$9.003M	8.4%	$89.46	—	CORE MSCI EAFE	46432F842
MBB	ISHARES TR	63,761	$6.071M	5.6%	$95.22	—	MBS ETF	464288588
GLDM	WORLD GOLD TR	58,465	$4.991M	4.6%	$85.37	—	SPDR GLD MINIS	98149E303
JEPI	J P MORGAN EXCHANGE TRADED F	83,570	$4.784M	4.4%	$57.24	—	EQUITY PREMIUM	46641Q332
HDV	ISHARES TR	35,275	$4.29M	4.0%	$121.61	—	CORE HIGH DV ETF	46429B663
SPYM	SPDR SERIES TRUST	48,295	$3.874M	3.6%	$80.22	—	STATE STREET SPD	78464A854
IJR	ISHARES TR	28,890	$3.472M	3.2%	$120.18	—	CORE S&P SCP ETF	464287804
JAAA	JANUS DETROIT STR TR	66,327	$3.355M	3.1%	$50.58	—	HENDRSON AAA CL	47103U845
IJH	ISHARES TR	48,805	$3.221M	3.0%	$66.00	—	CORE S&P MCP ETF	464287507
JSI	JANUS DETROIT STR TR	58,916	$3.067M	2.8%	$52.06	—	HENDERSON SECURI	47103U746
USMV	ISHARES TR	32,390	$3.05M	2.8%	$94.16	—	MSCI USA MIN VOL	46429B697
SCHX	SCHWAB STRATEGIC TR	104,926	$2.824M	2.6%	$26.91	—	US LRG CAP ETF	808524201
SPIB	SPDR SERIES TRUST	83,253	$2.815M	2.6%	$33.81	—	STATE STREET SPD	78464A375
IEMG	ISHARES INC	38,482	$2.587M	2.4%	$67.22	—	CORE MSCI EMKT	46434G103
VNQ	VANGUARD INDEX FDS	25,678	$2.272M	2.1%	$88.49	—	REAL ESTATE ETF	922908553
FLCA	FRANKLIN TEMPLETON ETF TR	42,206	$2.039M	1.9%	$48.30	—	FTSE CANADA	35473P827
BKGI	BNY MELLON ETF TRUST	49,745	$2.007M	1.9%	$40.34	—	GLOBAL INFRASCTR	09661T826
SPY	SPDR S&P 500 ETF TR	2,775	$1.892M	1.8%	$681.92	—	TR UNIT	78462F103
IAU	ISHARES GOLD TR	23,274	$1.889M	1.8%	$81.17	—	ISHARES NEW	464285204
VGLT	VANGUARD SCOTTSDALE FDS	31,856	$1.778M	1.6%	$55.80	—	LONG TERM TREAS	92206C847
ESGD	ISHARES TR	16,729	$1.591M	1.5%	$95.09	—	ESG AW MSCI EAFE	46435G516
IWD	ISHARES TR	6,817	$1.434M	1.3%	$210.34	—	RUS 1000 VAL ETF	464287598
IWF	ISHARES TR	2,849	$1.348M	1.3%	$473.22	—	RUS 1000 GRW ETF	464287614
AAPL	APPLE INC	4,656	$1.266M	1.2%	$268.34	0.0%	COM	037833100
VCLT	VANGUARD SCOTTSDALE FDS	15,809	$1.199M	1.1%	$75.85	—	LG-TERM COR BD	92206C813
VEA	VANGUARD TAX-MANAGED FDS	18,223	$1.138M	1.1%	$62.47	—	VAN FTSE DEV MKT	921943858
IVV	ISHARES TR	1,503	$1.029M	1.0%	$684.94	—	CORE S&P500 ETF	464287200
MSFT	MICROSOFT CORP	1,994	$964K	0.9%	$500.58	0.0%	COM	594918104
VWO	VANGUARD INTL EQUITY INDEX F	16,766	$901K	0.8%	$53.76	—	FTSE EMR MKT ETF	922042858
BLV	VANGUARD BD INDEX FDS	11,967	$832K	0.8%	$69.52	—	LONG TERM BOND	921937793
IVW	ISHARES TR	6,483	$799K	0.7%	$123.26	—	S&P 500 GRWT ETF	464287309
SGOV	ISHARES TR	7,694	$772K	0.7%	$100.38	—	0-3 MNTH TREASRY	46436E718
ESGE	ISHARES INC	16,630	$735K	0.7%	$44.17	—	ESG AWR MSCI EM	46434G863
ESGV	VANGUARD WORLD FD	4,400	$532K	0.5%	$120.96	—	ESG US STK ETF	921910733
GLD	SPDR GOLD TR	1,270	$503K	0.5%	$396.31	—	GOLD SHS	78463V107
IVE	ISHARES TR	2,305	$489K	0.5%	$212.07	—	S&P 500 VAL ETF	464287408
CBU	COMMUNITY FINANCIAL SYSTEM I	7,350	$422K	0.4%	$57.17	0.0%	COM	203607106
IDV	ISHARES TR	10,032	$396K	0.4%	$39.45	—	INTL SEL DIV ETF	464288448
ESGU	ISHARES TR	2,134	$318K	0.3%	$148.98	—	ESG AWR MSCI USA	46435G425
VIG	VANGUARD SPECIALIZED FUNDS	1,350	$297K	0.3%	$219.78	—	DIV APP ETF	921908844
BOTZ	GLOBAL X FDS	8,036	$291K	0.3%	$36.23	—	RBTCS ARTFL INTE	37954Y715
MTB	M & T BK CORP	1,440	$290K	0.3%	$190.09	0.0%	COM	55261F104
VSGX	VANGUARD WORLD FD	3,850	$276K	0.3%	$71.62	—	ESG INTL STK ETF	921910725
ACWV	ISHARES INC	2,250	$267K	0.2%	$118.75	—	MSCI GBL MIN VOL	464286525
VO	VANGUARD INDEX FDS	849	$246K	0.2%	$290.22	—	MID CAP ETF	922908629
IYY	ISHARES TR	1,400	$232K	0.2%	$165.81	—	DOW JONES US ETF	464287846
RWT	REDWOOD TRUST INC	13,237	$73,201	0.1%	$5.53	—	COM	758075402