Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
VGIT	VANGUARD SCOTTSDALE FDS	72,171	$4.257M	2.6%	$58.98	—	INTER TERM TREAS	92206C706
JEPQ	J P MORGAN EXCHANGE TRADED F	6,471	$398K	0.2%	$61.46	—	NASDAQ EQT PREM	46654Q203
ACWI	ISHARES TR	1,350	$212K	0.1%	$156.97	—	MSCI ACWI ETF	464288257
IVOO	VANGUARD ADMIRAL FDS INC	1,602	$209K	0.1%	$130.40	—	MIDCP 400 IDX	921932885
AIQ	GLOBAL X FDS	3,094	$203K	0.1%	$65.61	—	ARTIFICIAL ETF	37954Y632

Increased Positions (30)

SPYG SPDR SERIES TRUST 9.0%

Value $14.59M (+27.8%) Shares 122,599 (+5.2%) Est. Cost $105.87 Unrealized —

SPYV SPDR SERIES TRUST 8.4%

Value $13.56M (+13.5%) Shares 223,035 (+5.6%) Est. Cost $56.98 Unrealized —

IEFA ISHARES TR 8.2%

Value $13.21M (+10.9%) Shares 136,811 (+3.9%) Est. Cost $89.97 Unrealized —

HDV ISHARES TR 3.8%

Value $6.125M (+22.5%) Shares 223,474 (+506.5%) Est. Cost $43.04 Unrealized —

IJR ISHARES TR 3.2%

Value $5.219M (+24.3%) Shares 35,191 (+4.1%) Est. Cost $121.88 Unrealized —

IWF ISHARES TR 2.8%

Value $4.454M (+28.7%) Shares 35,867 (+342.0%) Est. Cost $196.26 Unrealized —

IWD ISHARES TR 2.7%

Value $4.347M (+27.1%) Shares 17,932 (+12.0%) Est. Cost $215.49 Unrealized —

IEMG ISHARES INC 3.0%

Value $4.774M (+23.6%) Shares 57,628 (+4.1%) Est. Cost $68.58 Unrealized —

SPYM SPDR SERIES TRUST 3.4%

Value $5.452M (+18.8%) Shares 62,044 (+3.4%) Est. Cost $79.78 Unrealized —

IJH ISHARES TR 3.1%

Value $5.072M (+17.4%) Shares 65,778 (+2.8%) Est. Cost $66.66 Unrealized —

USMV ISHARES TR 3.0%

Value $4.828M (+17.1%) Shares 50,047 (+12.6%) Est. Cost $94.08 Unrealized —

FTCB FIRST TR EXCHANGE-TRADED FD 3.4%

Value $5.403M (+13.8%) Shares 259,086 (+14.4%) Est. Cost $20.95 Unrealized —

VNQ VANGUARD INDEX FDS 2.0%

Value $3.225M (+23.1%) Shares 33,443 (+13.2%) Est. Cost $89.44 Unrealized —

SCHX SCHWAB STRATEGIC TR 2.4%

Value $3.944M (+16.7%) Shares 134,020 (+1.6%) Est. Cost $26.70 Unrealized —

GLDM WORLD GOLD TR 3.7%

Value $6.026M (-8.3%) Shares 75,875 (+7.1%) Est. Cost $86.17 Unrealized —

ESGD ISHARES TR 1.5%

Value $2.402M (+22.8%) Shares 23,363 (+14.2%) Est. Cost $96.14 Unrealized —

JEPI J P MORGAN EXCHANGE TRADED F 4.1%

Value $6.617M (+4.2%) Shares 117,157 (+4.6%) Est. Cost $57.07 Unrealized —

AAPL APPLE INC 0.9%

Value $1.466M (+18.0%) Shares 5,066 (+3.5%) Est. Cost $268.79 Unrealized —

BKGI BNY MELLON ETF TRUST 1.8%

Value $2.971M (+7.8%) Shares 66,075 (+6.8%) Est. Cost $41.41 Unrealized —

FLCA FRANKLIN TEMPLETON ETF TR 1.8%

Value $2.833M (+8.0%) Shares 55,037 (+2.7%) Est. Cost $48.52 Unrealized —

ESGE ISHARES INC 0.6%

Value $972K (+25.3%) Shares 17,779 (+4.2%) Est. Cost $44.63 Unrealized —

SPIB SPDR SERIES TRUST 2.6%

Value $4.234M (+4.9%) Shares 126,529 (+5.1%) Est. Cost $33.71 Unrealized —

IAU ISHARES GOLD TR 1.4%

Value $2.234M (-6.4%) Shares 29,589 (+9.3%) Est. Cost $81.58 Unrealized —

IDV ISHARES TR 0.4%

Value $575K (+31.1%) Shares 13,876 (+34.6%) Est. Cost $40.02 Unrealized —

BOTZ GLOBAL X FDS 0.3%

Value $409K (+36.0%) Shares 10,788 (+19.1%) Est. Cost $36.22 Unrealized —

JAAA JANUS DETROIT STR TR 2.7%

Value $4.327M (+2.4%) Shares 85,705 (+2.2%) Est. Cost $50.54 Unrealized —

MBB ISHARES TR 5.5%

Value $8.854M (+1.1%) Shares 93,670 (+1.6%) Est. Cost $95.13 Unrealized —

SPSM SPDR SERIES TRUST 0.3%

Value $501K (+21.1%) Shares 8,683 (+1.5%) Est. Cost $48.46 Unrealized —

ESGU ISHARES TR 0.3%

Value $418K (+25.9%) Shares 2,556 (+8.8%) Est. Cost $149.52 Unrealized —

VO VANGUARD INDEX FDS 0.2%

Value $332K (+19.9%) Shares 4,116 (+327.4%) Est. Cost $129.54 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SPYG	SPDR SERIES TRUST	122,599 (+5.2%)	$14.59M (+27.8%)	9.0%	$105.87	—	ST STR P500GRW	78464A409
SPYV	SPDR SERIES TRUST	223,035 (+5.6%)	$13.56M (+13.5%)	8.4%	$56.98	—	ST STR P500VAL	78464A508
IEFA	ISHARES TR	136,811 (+3.9%)	$13.21M (+10.9%)	8.2%	$89.97	—	CORE MSCI EAFE	46432F842
HDV	ISHARES TR	223,474 (+506.5%)	$6.125M (+22.5%)	3.8%	$43.04	—	CORE HIGH DV ETF	46429B663
IJR	ISHARES TR	35,191 (+4.1%)	$5.219M (+24.3%)	3.2%	$121.88	—	CORE S&P SCP ETF	464287804
IWF	ISHARES TR	35,867 (+342.0%)	$4.454M (+28.7%)	2.8%	$196.26	—	RUS 1000 GRW ETF	464287614
IWD	ISHARES TR	17,932 (+12.0%)	$4.347M (+27.1%)	2.7%	$215.49	—	RUS 1000 VAL ETF	464287598
IEMG	ISHARES INC	57,628 (+4.1%)	$4.774M (+23.6%)	3.0%	$68.58	—	CORE MSCI EMKT	46434G103
SPYM	SPDR SERIES TRUST	62,044 (+3.4%)	$5.452M (+18.8%)	3.4%	$79.78	—	ST STR P500ETF	78464A854
IJH	ISHARES TR	65,778 (+2.8%)	$5.072M (+17.4%)	3.1%	$66.66	—	CORE S&P MCP ETF	464287507
USMV	ISHARES TR	50,047 (+12.6%)	$4.828M (+17.1%)	3.0%	$94.08	—	MSCI USA MIN ETF	46429B697
FTCB	FIRST TR EXCHANGE-TRADED FD	259,086 (+14.4%)	$5.403M (+13.8%)	3.4%	$20.95	—	CORE INVESTMENT	33738D788
VNQ	VANGUARD INDEX FDS	33,443 (+13.2%)	$3.225M (+23.1%)	2.0%	$89.44	—	REAL ESTATE ETF	922908553
SCHX	SCHWAB STRATEGIC TR	134,020 (+1.6%)	$3.944M (+16.7%)	2.4%	$26.70	—	US LRG CAP ETF	808524201
GLDM	WORLD GOLD TR	75,875 (+7.1%)	$6.026M (-8.3%)	3.7%	$86.17	—	SPDR GLD MINIS	98149E303
ESGD	ISHARES TR	23,363 (+14.2%)	$2.402M (+22.8%)	1.5%	$96.14	—	ESG AW MSCI EAFE	46435G516
JEPI	J P MORGAN EXCHANGE TRADED F	117,157 (+4.6%)	$6.617M (+4.2%)	4.1%	$57.07	—	EQUITY PREMIUM	46641Q332
AAPL	APPLE INC	5,066 (+3.5%)	$1.466M (+18.0%)	0.9%	$268.79	—	COM	037833100
BKGI	BNY MELLON ETF TRUST	66,075 (+6.8%)	$2.971M (+7.8%)	1.8%	$41.41	—	GLOBAL INFRASCTR	09661T826
FLCA	FRANKLIN TEMPLETON ETF TR	55,037 (+2.7%)	$2.833M (+8.0%)	1.8%	$48.52	—	FTSE CANADA	35473P827
ESGE	ISHARES INC	17,779 (+4.2%)	$972K (+25.3%)	0.6%	$44.63	—	ESG AWR MSCI EM	46434G863
SPIB	SPDR SERIES TRUST	126,529 (+5.1%)	$4.234M (+4.9%)	2.6%	$33.71	—	ST INTER BD ETF	78464A375
IAU	ISHARES GOLD TR	29,589 (+9.3%)	$2.234M (-6.4%)	1.4%	$81.58	—	ISHARES NEW	464285204
IDV	ISHARES TR	13,876 (+34.6%)	$575K (+31.1%)	0.4%	$40.02	—	INTL SEL DIV ETF	464288448
BOTZ	GLOBAL X FDS	10,788 (+19.1%)	$409K (+36.0%)	0.3%	$36.22	—	RBTCS ARTFL INTE	37954Y715
JAAA	JANUS DETROIT STR TR	85,705 (+2.2%)	$4.327M (+2.4%)	2.7%	$50.54	—	HENDRSON AAA CL	47103U845
MBB	ISHARES TR	93,670 (+1.6%)	$8.854M (+1.1%)	5.5%	$95.13	—	MBS ETF	464288588
SPSM	SPDR SERIES TRUST	8,683 (+1.5%)	$501K (+21.1%)	0.3%	$48.46	—	ST STR SP600 SML	78468R853
ESGU	ISHARES TR	2,556 (+8.8%)	$418K (+25.9%)	0.3%	$149.52	—	ESG AWR MSCI USA	46435G425
VO	VANGUARD INDEX FDS	4,116 (+327.4%)	$332K (+19.9%)	0.2%	$129.54	—	MID CAP ETF	922908629

Exited Positions (3)

JSI JANUS DETROIT STR TR 2.4%

Value $3.826M Shares 74,212 Est. Cost $51.95 Unrealized —

AVEM AMERICAN CENTY ETF TR 0.3%

Value $547K Shares 6,787 Est. Cost $80.58 Unrealized —

RWT REDWOOD TRUST INC 0.0%

Value $74,260 Shares 13,237 Est. Cost $5.53 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
JSI	JANUS DETROIT STR TR	74,212	$3.826M	2.4%	$51.95	—	—	47103U746
AVEM	AMERICAN CENTY ETF TR	6,787	$547K	0.3%	$80.58	—	—	025072604
RWT	REDWOOD TRUST INC	13,237	$74,260	0.0%	$5.53	—	—	758075402

Decreased Positions (9)

SGOV ISHARES TR 0.6%

Value $957K (-45.0%) Shares 9,505 (-45.0%) Est. Cost $100.54 Unrealized —

CLIP GLOBAL X FDS 0.2%

Value $304K (-55.3%) Shares 3,030 (-55.3%) Est. Cost $100.36 Unrealized —

MSFT MICROSOFT CORP 0.4%

Value $606K (-17.9%) Shares 1,624 (-18.6%) Est. Cost $500.58 Unrealized —

VEA VANGUARD TAX-MANAGED FDS 1.2%

Value $1.998M (+5.8%) Shares 28,043 (-4.8%) Est. Cost $63.08 Unrealized —

AVDV AMERICAN CENTY ETF TR 0.3%

Value $465K (-15.7%) Shares 4,511 (-18.3%) Est. Cost $99.86 Unrealized —

VIG VANGUARD SPECIALIZED FUNDS 0.6%

Value $982K (+8.3%) Shares 4,150 (-1.5%) Est. Cost $216.57 Unrealized —

JNJ JOHNSON & JOHNSON 0.1%

Value $201K (-26.7%) Shares 792 (-29.5%) Est. Cost $227.87 Unrealized —

ESGV VANGUARD WORLD FD 0.3%

Value $542K (+9.8%) Shares 4,100 (-6.8%) Est. Cost $120.96 Unrealized —

AVUV AMERICAN CENTY ETF TR 0.3%

Value $451K (-0.1%) Shares 3,616 (-11.5%) Est. Cost $110.47 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SGOV	ISHARES TR	9,505 (-45.0%)	$957K (-45.0%)	0.6%	$100.54	—	0-3 MTH TREASURY	46436E718
CLIP	GLOBAL X FDS	3,030 (-55.3%)	$304K (-55.3%)	0.2%	$100.36	—	1 3 MO T BI ET	37960A438
MSFT	MICROSOFT CORP	1,624 (-18.6%)	$606K (-17.9%)	0.4%	$500.58	—	COM	594918104
VEA	VANGUARD TAX-MANAGED FDS	28,043 (-4.8%)	$1.998M (+5.8%)	1.2%	$63.08	—	VAN FTSE DEV MKT	921943858
AVDV	AMERICAN CENTY ETF TR	4,511 (-18.3%)	$465K (-15.7%)	0.3%	$99.86	—	INTL SMCP VLU	025072802
VIG	VANGUARD SPECIALIZED FUNDS	4,150 (-1.5%)	$982K (+8.3%)	0.6%	$216.57	—	DIV APP ETF	921908844
JNJ	JOHNSON & JOHNSON	792 (-29.5%)	$201K (-26.7%)	0.1%	$227.87	—	COM	478160104
ESGV	VANGUARD WORLD FD	4,100 (-6.8%)	$542K (+9.8%)	0.3%	$120.96	—	ESG US STK ETF	921910733
AVUV	AMERICAN CENTY ETF TR	3,616 (-11.5%)	$451K (-0.1%)	0.3%	$110.47	—	US SML CP VALU	025072877

Unchanged Positions (18)

SPY STATE STR SPDR S&P 500 ETF T 1.3%

Value $2.113M Shares 2,829 Est. Cost $681.10 Unrealized —

IVW ISHARES TR 0.6%

Value $908K Shares 6,599 Est. Cost $123.08 Unrealized —

IVV ISHARES TR 0.8%

Value $1.22M Shares 1,629 Est. Cost $682.22 Unrealized —

VWO VANGUARD INTL EQUITY INDEX F 0.7%

Value $1.085M Shares 18,183 Est. Cost $53.78 Unrealized —

GLD SPDR GOLD TR 0.3%

Value $519K Shares 1,410 Est. Cost $399.68 Unrealized —

GOOG ALPHABET INC 0.2%

Value $353K Shares 1,000 Est. Cost $323.67 Unrealized —

CBU COMMUNITY FINANCIAL SYSTEM I 0.3%

Value $508K Shares 7,571 Est. Cost $57.34 Unrealized —

GOOGL ALPHABET INC 0.2%

Value $314K Shares 880 Est. Cost $323.29 Unrealized —

MTB M & T BK CORP 0.2%

Value $343K Shares 1,440 Est. Cost $190.09 Unrealized —

SPMD SPDR SERIES TRUST 0.2%

Value $351K Shares 5,202 Est. Cost $59.22 Unrealized —

VSGX VANGUARD WORLD FD 0.2%

Value $317K Shares 3,850 Est. Cost $71.62 Unrealized —

IVE ISHARES TR 0.3%

Value $557K Shares 2,455 Est. Cost $212.01 Unrealized —

IYY ISHARES TR 0.2%

Value $247K Shares 1,355 Est. Cost $165.81 Unrealized —

CW CURTISS WRIGHT CORP 0.1%

Value $227K Shares 300 Est. Cost $650.76 Unrealized —

EFA ISHARES TR 0.2%

Value $291K Shares 2,805 Est. Cost $97.13 Unrealized —

BRK/B BERKSHIRE HATHAWAY INC DEL 0.2%

Value $263K Shares 526 Est. Cost $493.47 Unrealized —

BSCX INVESCO EXCH TRD SLF IDX FD 0.2%

Value $242K Shares 11,504 Est. Cost $21.15 Unrealized —

ACWV ISHARES INC 0.2%

Value $271K Shares 2,250 Est. Cost $118.75 Unrealized —

Ticker	Issuer	Shares	Value	%	Est. Cost	Unrealized	Class	CUSIP
SPY	STATE STR SPDR S&P 500 ETF T	2,829	$2.113M	1.3%	$681.10	—	TR UNIT	78462F103
IVW	ISHARES TR	6,599	$908K	0.6%	$123.08	—	S&P 500 GRWT ETF	464287309
IVV	ISHARES TR	1,629	$1.22M	0.8%	$682.22	—	CORE S&P500 ETF	464287200
VWO	VANGUARD INTL EQUITY INDEX F	18,183	$1.085M	0.7%	$53.78	—	FTSE EMR MKT ETF	922042858
GLD	SPDR GOLD TR	1,410	$519K	0.3%	$399.68	—	GOLD SHS	78463V107
GOOG	ALPHABET INC	1,000	$353K	0.2%	$323.67	—	CAP STK CL C	02079K107
CBU	COMMUNITY FINANCIAL SYSTEM I	7,571	$508K	0.3%	$57.34	—	COM	203607106
GOOGL	ALPHABET INC	880	$314K	0.2%	$323.29	—	CAP STK CL A	02079K305
MTB	M & T BK CORP	1,440	$343K	0.2%	$190.09	—	COM	55261F104
SPMD	SPDR SERIES TRUST	5,202	$351K	0.2%	$59.22	—	ST STR P400MID	78464A847
VSGX	VANGUARD WORLD FD	3,850	$317K	0.2%	$71.62	—	ESG INTL STK ETF	921910725
IVE	ISHARES TR	2,455	$557K	0.3%	$212.01	—	S&P 500 VAL ETF	464287408
IYY	ISHARES TR	1,355	$247K	0.2%	$165.81	—	DOW JONES US ETF	464287846
CW	CURTISS WRIGHT CORP	300	$227K	0.1%	$650.76	—	COM	231561101
EFA	ISHARES TR	2,805	$291K	0.2%	$97.13	—	MSCI EAFE ETF	464287465
BRK/B	BERKSHIRE HATHAWAY INC DEL	526	$263K	0.2%	$493.47	—	CL B NEW	084670702
BSCX	INVESCO EXCH TRD SLF IDX FD	11,504	$242K	0.2%	$21.15	—	BUL 2033 COR ETF	46139W825
ACWV	ISHARES INC	2,250	$271K	0.2%	$118.75	—	MSCI GBL MIN VOL	464286525