Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
MRVL	MARVELL TECHNOLOGY INC	997	$297K	0.2%	$297.89	—	COM	573874104
AVGO	BROADCOM INC	767	$290K	0.2%	$377.76	—	COM	11135F101
CSCO	CISCO SYS INC	2,011	$236K	0.1%	$117.43	—	COM	17275R102
IJR	ISHARES TR	1,590	$236K	0.1%	$148.27	—	CORE S&P SCP ETF	464287804
IJH	ISHARES TR	2,955	$228K	0.1%	$77.12	—	CORE S&P MCP ETF	464287507
GLW	CORNING INC	865	$221K	0.1%	$255.52	—	COM	219350105
VIGI	VANGUARD WHITEHALL FDS	2,272	$212K	0.1%	$93.37	—	INTL DVD ETF	921946810
DVY	ISHARES TR	1,292	$202K	0.1%	$156.33	—	SELECT DIVID ETF	464287168

Increased Positions (28)

VSGX VANGUARD WORLD FD 4.3%

Value $7.878M (+17.7%) Shares 95,680 (+2.5%) Est. Cost $55.58 Unrealized —

VO VANGUARD INDEX FDS 3.9%

Value $7.134M (+11.3%) Shares 88,547 (+296.8%) Est. Cost $113.68 Unrealized —

VCIT VANGUARD SCOTTSDALE FDS 4.9%

Value $9.033M (+6.4%) Shares 109,291 (+6.6%) Est. Cost $79.58 Unrealized —

BND VANGUARD BD INDEX FDS 3.8%

Value $7.065M (+8.0%) Shares 96,242 (+8.4%) Est. Cost $71.27 Unrealized —

CWB SPDR SERIES TRUST 0.9%

Value $1.723M (+20.4%) Shares 15,981 (+2.2%) Est. Cost $73.46 Unrealized —

IUSB ISHARES TR 0.8%

Value $1.559M (+18.1%) Shares 33,783 (+18.2%) Est. Cost $44.59 Unrealized —

LITE LUMENTUM HLDGS INC 0.3%

Value $492K (+72.3%) Shares 573 (+41.1%) Est. Cost $581.07 Unrealized —

JBND J P MORGAN EXCHANGE TRADED F 0.7%

Value $1.303M (+18.7%) Shares 24,354 (+19.3%) Est. Cost $53.79 Unrealized —

VTI VANGUARD INDEX FDS 0.7%

Value $1.371M (+16.6%) Shares 3,704 (+1.1%) Est. Cost $220.93 Unrealized —

EMB ISHARES TR 1.7%

Value $3.095M (+6.6%) Shares 32,089 (+3.9%) Est. Cost $87.67 Unrealized —

VCRB VANGUARD MALVERN FDS 1.2%

Value $2.267M (+7.8%) Shares 29,356 (+8.0%) Est. Cost $77.75 Unrealized —

MSFT MICROSOFT CORP 2.0%

Value $3.685M (+4.1%) Shares 9,878 (+3.3%) Est. Cost $367.86 Unrealized —

NVDA NVIDIA CORPORATION 0.5%

Value $1.003M (+16.6%) Shares 5,011 (+1.6%) Est. Cost $116.88 Unrealized —

VEU VANGUARD INTL EQUITY INDEX F 0.6%

Value $1.037M (+14.3%) Shares 12,377 (+2.5%) Est. Cost $56.97 Unrealized —

VTIP VANGUARD MALVERN FDS 1.7%

Value $3.125M (+3.8%) Shares 62,205 (+3.2%) Est. Cost $48.21 Unrealized —

VNQ VANGUARD INDEX FDS 0.4%

Value $725K (+16.8%) Shares 7,517 (+7.4%) Est. Cost $78.35 Unrealized —

VUG VANGUARD INDEX FDS 0.4%

Value $722K (+15.7%) Shares 8,378 (+486.7%) Est. Cost $133.73 Unrealized —

VGT VANGUARD WORLD FD 0.3%

Value $499K (+22.0%) Shares 4,173 (+612.1%) Est. Cost $166.13 Unrealized —

PFF ISHARES TR 1.1%

Value $1.969M (+3.4%) Shares 64,570 (+2.8%) Est. Cost $30.45 Unrealized —

ESGD ISHARES TR 0.4%

Value $680K (+9.2%) Shares 6,610 (+1.6%) Est. Cost $71.12 Unrealized —

VTV VANGUARD INDEX FDS 0.2%

Value $426K (+15.0%) Shares 1,957 (+3.5%) Est. Cost $193.54 Unrealized —

VAW VANGUARD WORLD FD 0.9%

Value $1.712M (+3.3%) Shares 7,483 (+1.8%) Est. Cost $182.18 Unrealized —

DGRW WISDOMTREE TR 0.2%

Value $422K (+11.7%) Shares 4,416 (+2.6%) Est. Cost $84.43 Unrealized —

VBIL VANGUARD INSTL INDEX FD 0.8%

Value $1.418M (+2.7%) Shares 18,734 (+2.6%) Est. Cost $75.46 Unrealized —

VEGI ISHARES INC 0.3%

Value $513K (+2.0%) Shares 11,636 (+4.6%) Est. Cost $38.54 Unrealized —

SCHP SCHWAB STRATEGIC TR 0.2%

Value $459K (+0.7%) Shares 17,327 (+1.1%) Est. Cost $26.82 Unrealized —

IGIB ISHARES TR 0.1%

Value $230K (+1.1%) Shares 4,317 (+1.2%) Est. Cost $51.70 Unrealized —

TIP ISHARES TR 0.4%

Value $769K (+0.3%) Shares 7,029 (+1.1%) Est. Cost $104.28 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VSGX	VANGUARD WORLD FD	95,680 (+2.5%)	$7.878M (+17.7%)	4.3%	$55.58	—	ESG INTL STK ETF	921910725
VO	VANGUARD INDEX FDS	88,547 (+296.8%)	$7.134M (+11.3%)	3.9%	$113.68	—	MID CAP ETF	922908629
VCIT	VANGUARD SCOTTSDALE FDS	109,291 (+6.6%)	$9.033M (+6.4%)	4.9%	$79.58	—	INT-TERM CORP	92206C870
BND	VANGUARD BD INDEX FDS	96,242 (+8.4%)	$7.065M (+8.0%)	3.8%	$71.27	—	TOTAL BND MRKT	921937835
CWB	SPDR SERIES TRUST	15,981 (+2.2%)	$1.723M (+20.4%)	0.9%	$73.46	—	ST STR CONV ETF	78464A359
IUSB	ISHARES TR	33,783 (+18.2%)	$1.559M (+18.1%)	0.8%	$44.59	—	CORE UNIVRSL USD	46434V613
LITE	LUMENTUM HLDGS INC	573 (+41.1%)	$492K (+72.3%)	0.3%	$581.07	—	COM	55024U109
JBND	J P MORGAN EXCHANGE TRADED F	24,354 (+19.3%)	$1.303M (+18.7%)	0.7%	$53.79	—	ACTIVE BOND ETF	46654Q716
VTI	VANGUARD INDEX FDS	3,704 (+1.1%)	$1.371M (+16.6%)	0.7%	$220.93	—	TOTAL STK MKT	922908769
EMB	ISHARES TR	32,089 (+3.9%)	$3.095M (+6.6%)	1.7%	$87.67	—	JPMORGAN USD EMG	464288281
VCRB	VANGUARD MALVERN FDS	29,356 (+8.0%)	$2.267M (+7.8%)	1.2%	$77.75	—	CORE BD ETF	922020748
MSFT	MICROSOFT CORP	9,878 (+3.3%)	$3.685M (+4.1%)	2.0%	$367.86	—	COM	594918104
NVDA	NVIDIA CORPORATION	5,011 (+1.6%)	$1.003M (+16.6%)	0.5%	$116.88	—	COM	67066G104
VEU	VANGUARD INTL EQUITY INDEX F	12,377 (+2.5%)	$1.037M (+14.3%)	0.6%	$56.97	—	ALLWRLD EX US	922042775
VTIP	VANGUARD MALVERN FDS	62,205 (+3.2%)	$3.125M (+3.8%)	1.7%	$48.21	—	STRM INFPROIDX	922020805
VNQ	VANGUARD INDEX FDS	7,517 (+7.4%)	$725K (+16.8%)	0.4%	$78.35	—	REAL ESTATE ETF	922908553
VUG	VANGUARD INDEX FDS	8,378 (+486.7%)	$722K (+15.7%)	0.4%	$133.73	—	GROWTH ETF	922908736
VGT	VANGUARD WORLD FD	4,173 (+612.1%)	$499K (+22.0%)	0.3%	$166.13	—	INF TECH ETF	92204A702
PFF	ISHARES TR	64,570 (+2.8%)	$1.969M (+3.4%)	1.1%	$30.45	—	PFD AND INCM SEC	464288687
ESGD	ISHARES TR	6,610 (+1.6%)	$680K (+9.2%)	0.4%	$71.12	—	ESG AW MSCI EAFE	46435G516
VTV	VANGUARD INDEX FDS	1,957 (+3.5%)	$426K (+15.0%)	0.2%	$193.54	—	VALUE ETF	922908744
VAW	VANGUARD WORLD FD	7,483 (+1.8%)	$1.712M (+3.3%)	0.9%	$182.18	—	MATERIALS ETF	92204A801
DGRW	WISDOMTREE TR	4,416 (+2.6%)	$422K (+11.7%)	0.2%	$84.43	—	US QTLY DIV GRT	97717X669
VBIL	VANGUARD INSTL INDEX FD	18,734 (+2.6%)	$1.418M (+2.7%)	0.8%	$75.46	—	0 3 MO TR BI ETF	922040845
VEGI	ISHARES INC	11,636 (+4.6%)	$513K (+2.0%)	0.3%	$38.54	—	MSCI AGR PRO ETF	464286350
SCHP	SCHWAB STRATEGIC TR	17,327 (+1.1%)	$459K (+0.7%)	0.2%	$26.82	—	US TIPS ETF	808524870
IGIB	ISHARES TR	4,317 (+1.2%)	$230K (+1.1%)	0.1%	$51.70	—	ISHS 5-10YR INVT	464288638
TIP	ISHARES TR	7,029 (+1.1%)	$769K (+0.3%)	0.4%	$104.28	—	TIPS BD ETF	464287176

Exited Positions (1)

BAB INVESCO EXCH TRADED FD TR II 0.1%

Value $217K Shares 8,040 Est. Cost $25.39 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
BAB	INVESCO EXCH TRADED FD TR II	8,040	$217K	0.1%	$25.39	—	—	46138G805

Decreased Positions (20)

VV VANGUARD INDEX FDS 10.3%

Value $19.12M (+13.2%) Shares 55,599 (-1.6%) Est. Cost $205.75 Unrealized —

IAU ISHARES GOLD TR 1.9%

Value $3.602M (-17.9%) Shares 47,699 (-4.2%) Est. Cost $36.63 Unrealized —

LQD ISHARES TR 0.8%

Value $1.546M (-25.5%) Shares 14,171 (-25.6%) Est. Cost $102.34 Unrealized —

QUAL ISHARES TR 2.3%

Value $4.197M (+10.5%) Shares 19,125 (-3.4%) Est. Cost $142.18 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 2.0%

Value $3.763M (+8.5%) Shares 15,904 (-1.3%) Est. Cost $156.79 Unrealized —

COST COSTCO WHOLESALE CORPORATION 0.2%

Value $329K (-41.2%) Shares 351 (-37.5%) Est. Cost $625.52 Unrealized —

MOAT VANECK ETF TRUST 2.5%

Value $4.676M (+3.0%) Shares 44,974 (-4.2%) Est. Cost $78.23 Unrealized —

L LOEWS CORP 2.1%

Value $3.928M (+3.0%) Shares 34,696 (-2.9%) Est. Cost $66.05 Unrealized —

ESGU ISHARES TR 0.5%

Value $895K (+14.3%) Shares 5,471 (-1.3%) Est. Cost $94.38 Unrealized —

VCLT VANGUARD SCOTTSDALE FDS 1.1%

Value $2.105M (-3.5%) Shares 27,973 (-4.2%) Est. Cost $74.20 Unrealized —

AGG ISHARES TR 0.3%

Value $568K (-9.0%) Shares 5,736 (-8.7%) Est. Cost $94.58 Unrealized —

EUSA ISHARES INC 0.4%

Value $730K (+8.2%) Shares 6,397 (-3.5%) Est. Cost $75.38 Unrealized —

IVV ISHARES TR 0.3%

Value $503K (+10.9%) Shares 672 (-3.3%) Est. Cost $430.32 Unrealized —

VCEB VANGUARD WORLD FD 0.5%

Value $976K (-4.4%) Shares 15,544 (-4.3%) Est. Cost $62.90 Unrealized —

VXUS VANGUARD STAR FDS 0.2%

Value $345K (+7.1%) Shares 4,031 (-3.4%) Est. Cost $70.42 Unrealized —

WTV WISDOMTREE TR 0.2%

Value $351K (+3.0%) Shares 3,450 (-4.1%) Est. Cost $91.91 Unrealized —

UPS UNITED PARCEL SVCS INC 0.1%

Value $264K (+3.2%) Shares 2,459 (-5.6%) Est. Cost $109.86 Unrealized —

JNJ JOHNSON & JOHNSON 0.3%

Value $540K (+1.0%) Shares 2,127 (-2.8%) Est. Cost $194.29 Unrealized —

REFR RESEARCH FRONTIERS INC 0.0%

Value $5,360 (-43.2%) Shares 10,307 (-1.4%) Est. Cost $1.19 Unrealized —

NYF ISHARES TR 0.3%

Value $572K (+0.3%) Shares 10,602 (-1.1%) Est. Cost $51.00 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VV	VANGUARD INDEX FDS	55,599 (-1.6%)	$19.12M (+13.2%)	10.3%	$205.75	—	LARGE CAP ETF	922908637
IAU	ISHARES GOLD TR	47,699 (-4.2%)	$3.602M (-17.9%)	1.9%	$36.63	—	ISHARES NEW	464285204
LQD	ISHARES TR	14,171 (-25.6%)	$1.546M (-25.5%)	0.8%	$102.34	—	IBOXX INV CP ETF	464287242
QUAL	ISHARES TR	19,125 (-3.4%)	$4.197M (+10.5%)	2.3%	$142.18	—	MSCI USA QLT FCT	46432F339
VIG	VANGUARD SPECIALIZED FUNDS	15,904 (-1.3%)	$3.763M (+8.5%)	2.0%	$156.79	—	DIV APP ETF	921908844
COST	COSTCO WHOLESALE CORPORATION	351 (-37.5%)	$329K (-41.2%)	0.2%	$625.52	—	COM	22160K105
MOAT	VANECK ETF TRUST	44,974 (-4.2%)	$4.676M (+3.0%)	2.5%	$78.23	—	MRNGSTR WDE MOAT	92189F643
L	LOEWS CORP	34,696 (-2.9%)	$3.928M (+3.0%)	2.1%	$66.05	—	COM	540424108
ESGU	ISHARES TR	5,471 (-1.3%)	$895K (+14.3%)	0.5%	$94.38	—	ESG AWR MSCI USA	46435G425
VCLT	VANGUARD SCOTTSDALE FDS	27,973 (-4.2%)	$2.105M (-3.5%)	1.1%	$74.20	—	LG-TERM COR BD	92206C813
AGG	ISHARES TR	5,736 (-8.7%)	$568K (-9.0%)	0.3%	$94.58	—	CORE US AGGBD ET	464287226
EUSA	ISHARES INC	6,397 (-3.5%)	$730K (+8.2%)	0.4%	$75.38	—	MSCI EQUAL WEITE	464286681
IVV	ISHARES TR	672 (-3.3%)	$503K (+10.9%)	0.3%	$430.32	—	CORE S&P500 ETF	464287200
VCEB	VANGUARD WORLD FD	15,544 (-4.3%)	$976K (-4.4%)	0.5%	$62.90	—	ESG US CORP BD	921910691
VXUS	VANGUARD STAR FDS	4,031 (-3.4%)	$345K (+7.1%)	0.2%	$70.42	—	VG TL INTL STK F	921909768
WTV	WISDOMTREE TR	3,450 (-4.1%)	$351K (+3.0%)	0.2%	$91.91	—	US VALUE FD	97717W547
UPS	UNITED PARCEL SVCS INC	2,459 (-5.6%)	$264K (+3.2%)	0.1%	$109.86	—	CL B	911312106
JNJ	JOHNSON & JOHNSON	2,127 (-2.8%)	$540K (+1.0%)	0.3%	$194.29	—	COM	478160104
REFR	RESEARCH FRONTIERS INC	10,307 (-1.4%)	$5,360 (-43.2%)	0.0%	$1.19	—	COM	760911107
NYF	ISHARES TR	10,602 (-1.1%)	$572K (+0.3%)	0.3%	$51.00	—	NEW YORK MUN ETF	464288323

Unchanged Positions (27)

ESGV VANGUARD WORLD FD 7.0%

Value $12.96M Shares 98,026 Est. Cost $84.75 Unrealized —

SCHX SCHWAB STRATEGIC TR 6.9%

Value $12.75M Shares 433,179 Est. Cost $32.51 Unrealized —

AAPL APPLE INC 4.9%

Value $9.123M Shares 31,528 Est. Cost $187.13 Unrealized —

EMXC ISHARES INC 2.3%

Value $4.27M Shares 41,735 Est. Cost $52.62 Unrealized —

VB VANGUARD INDEX FDS 3.8%

Value $7.072M Shares 23,330 Est. Cost $192.53 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 4.8%

Value $8.834M Shares 123,979 Est. Cost $45.45 Unrealized —

AMZN AMAZON COM INC 1.4%

Value $2.657M Shares 11,148 Est. Cost $142.60 Unrealized —

QGRW WISDOMTREE TR 0.5%

Value $978K Shares 14,810 Est. Cost $50.62 Unrealized —

FEX FIRST TR EXCHANGE-TRADED ALP 0.6%

Value $1.19M Shares 8,511 Est. Cost $81.52 Unrealized —

XLK SELECT SECTOR SPDR TR 0.3%

Value $476K Shares 2,497 Est. Cost $155.00 Unrealized —

XOM EXXON MOBIL CORP 0.3%

Value $487K Shares 3,562 Est. Cost $97.59 Unrealized —

MTB M & T BK CORP 0.4%

Value $769K Shares 3,231 Est. Cost $164.95 Unrealized —

FYX FIRST TR EXCHANGE-TRADED ALP 0.2%

Value $317K Shares 2,195 Est. Cost $97.27 Unrealized —

GLD SPDR GOLD TR 0.2%

Value $322K Shares 875 Est. Cost $205.72 Unrealized —

GOOG ALPHABET INC 0.1%

Value $277K Shares 784 Est. Cost $287.24 Unrealized —

ABBV ABBVIE INC 0.2%

Value $361K Shares 1,435 Est. Cost $222.57 Unrealized —

EFA ISHARES TR 0.3%

Value $600K Shares 5,776 Est. Cost $69.64 Unrealized —

CB CHUBB LIMITED 0.4%

Value $779K Shares 2,286 Est. Cost $213.74 Unrealized —

FNX FIRST TR EXCHANGE-TRADED ALP 0.1%

Value $261K Shares 1,786 Est. Cost $114.82 Unrealized —

PEP PEPSICO INC 0.1%

Value $239K Shares 1,762 Est. Cost $141.29 Unrealized —

VTEB VANGUARD MUN BD FDS 0.6%

Value $1.087M Shares 21,488 Est. Cost $49.06 Unrealized —

VCSH VANGUARD SCOTTSDALE FDS 2.1%

Value $3.849M Shares 48,709 Est. Cost $76.37 Unrealized —

CEMB ISHARES INC 0.4%

Value $689K Shares 15,092 Est. Cost $42.88 Unrealized —

PGX INVESCO EXCH TRADED FD TR II 0.1%

Value $215K Shares 19,799 Est. Cost $11.08 Unrealized —

UBER UBER TECHNOLOGIES INC 0.1%

Value $202K Shares 2,804 Est. Cost $78.72 Unrealized —

IGLB ISHARES TR 0.1%

Value $237K Shares 4,743 Est. Cost $50.45 Unrealized —

SPAB SPDR SERIES TRUST 0.4%

Value $651K Shares 25,499 Est. Cost $25.27 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
ESGV	VANGUARD WORLD FD	98,026	$12.96M	7.0%	$84.75	—	ESG US STK ETF	921910733
SCHX	SCHWAB STRATEGIC TR	433,179	$12.75M	6.9%	$32.51	—	US LRG CAP ETF	808524201
AAPL	APPLE INC	31,528	$9.123M	4.9%	$187.13	—	COM	037833100
EMXC	ISHARES INC	41,735	$4.27M	2.3%	$52.62	—	MSCI EMRG CHN	46434G764
VB	VANGUARD INDEX FDS	23,330	$7.072M	3.8%	$192.53	—	SMALL CP ETF	922908751
VEA	VANGUARD TAX-MANAGED FDS	123,979	$8.834M	4.8%	$45.45	—	VAN FTSE DEV MKT	921943858
AMZN	AMAZON COM INC	11,148	$2.657M	1.4%	$142.60	—	COM	023135106
QGRW	WISDOMTREE TR	14,810	$978K	0.5%	$50.62	—	US QUALITY GROW	97717Y477
FEX	FIRST TR EXCHANGE-TRADED ALP	8,511	$1.19M	0.6%	$81.52	—	COM SHS	33734K109
XLK	SELECT SECTOR SPDR TR	2,497	$476K	0.3%	$155.00	—	ST STR TECHN ETF	81369Y803
XOM	EXXON MOBIL CORP	3,562	$487K	0.3%	$97.59	—	COM	30231G102
MTB	M & T BK CORP	3,231	$769K	0.4%	$164.95	—	COM	55261F104
FYX	FIRST TR EXCHANGE-TRADED ALP	2,195	$317K	0.2%	$97.27	—	COM SHS	33734Y109
GLD	SPDR GOLD TR	875	$322K	0.2%	$205.72	—	GOLD SHS	78463V107
GOOG	ALPHABET INC	784	$277K	0.1%	$287.24	—	CAP STK CL C	02079K107
ABBV	ABBVIE INC	1,435	$361K	0.2%	$222.57	—	COM	00287Y109
EFA	ISHARES TR	5,776	$600K	0.3%	$69.64	—	MSCI EAFE ETF	464287465
CB	CHUBB LIMITED	2,286	$779K	0.4%	$213.74	—	COM	H1467J104
FNX	FIRST TR EXCHANGE-TRADED ALP	1,786	$261K	0.1%	$114.82	—	COM SHS	33735B108
PEP	PEPSICO INC	1,762	$239K	0.1%	$141.29	—	COM	713448108
VTEB	VANGUARD MUN BD FDS	21,488	$1.087M	0.6%	$49.06	—	TAX EXEMPT BD	922907746
VCSH	VANGUARD SCOTTSDALE FDS	48,709	$3.849M	2.1%	$76.37	—	SHRT TRM CORP BD	92206C409
CEMB	ISHARES INC	15,092	$689K	0.4%	$42.88	—	JP MRG EM CRP BD	464286251
PGX	INVESCO EXCH TRADED FD TR II	19,799	$215K	0.1%	$11.08	—	PFD ETF	46138E511
UBER	UBER TECHNOLOGIES INC	2,804	$202K	0.1%	$78.72	—	COM	90353T100
IGLB	ISHARES TR	4,743	$237K	0.1%	$50.45	—	10+ YR INVST GRD	464289511
SPAB	SPDR SERIES TRUST	25,499	$651K	0.4%	$25.27	—	ST STR AGGRE ETF	78464A649