The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
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COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP FIGI (to the nearest dollar) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
DFA Emerging Markets Core Equity 2 ETF ETF 25434V732   12,182,703 488,089 SH   SOLE   486,964 0 1,125
DFA US Small Cap Value ETF ETF 25434V815   1,374,889 47,215 SH   SOLE   47,212 0 3
Vanguard REIT Index ETF ETF 922908553   3,672,583 41,564 SH   SOLE   40,264 0 1,300
DFA US Core Equity 2 ETF ETF 25434V708   181,728,486 6,217,191 SH   SOLE   6,126,377 0 90,814
DFA World ex US Core Equity 2 ETF ETF 25434V880   115,356,579 4,723,857 SH   SOLE   4,614,784 0 109,073
DFA US Core Equity 1 ETF ETF 25434V625   15,242,828 285,040 SH   SOLE   280,445 0 4,595
DFA US Large Cap Value ETF ETF 25434V666   6,226,234 230,175 SH   SOLE   230,175 0 0
DFA US Targeted Value ETF ETF 25434V609   32,396,921 619,089 SH   SOLE   598,568 0 20,521
Amazon.Com COM 023135106   2,384,698 15,695 SH   SOLE   13,462 0 2,233
Apple COM 037833100   26,203,801 136,102 SH   SOLE   134,494 0 1,608
Alphabet Inc Cap STK COM 02079K305   7,397,284 52,955 SH   SOLE   51,844 0 1,111
Vanguard FTSE Developed Markets ETF ETF 921943858   551,079 11,505 SH   SOLE   11,505 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858   391,679 9,530 SH   SOLE   9,530 0 0
DFA Intl Value ETF ETF 25434V807   7,062,510 205,545 SH   SOLE   205,545 0 0
iShares RS 2000 Value ETF 464287630   474,562 3,055 SH   SOLE   3,055 0 0
iShares Russell (1000 Growth Etf) ETF 464287614   2,641,414 8,713 SH   SOLE   8,713 0 0
iShares Russell 1000 Value ETF ETF 464287598   1,754,582 10,618 SH   SOLE   10,618 0 0
iShares Russell 2000 Growth ETF ETF 464287648   250,529 993 SH   SOLE   993 0 0
DFA International Small Cap Value ETF ETF 25434V781   15,248,336 591,365 SH   SOLE   590,090 0 1,275
Star Gas Partners UNIT LTD PARTNR 85512C105   347,214 30,114 SH   SOLE   0 0 30,114
Vanguard Small-Cap Value ETF ETF 922908611   5,466,904 30,377 SH   SOLE   28,446 0 1,931
Alphabet Inc Cap STK CL C COM 02079K107   5,067,420 35,957 SH   SOLE   35,170 0 787
Chevron COM 166764100   554,749 3,719 SH   SOLE   3,719 0 0
DFA US Marketwide Value ETF ETF 25434V724   22,821,037 613,139 SH   SOLE   602,312 0 10,827
Vanguard FTSE All-World ex-US ETF ETF 922042775   1,828,199 32,565 SH   SOLE   32,549 0 16
Vanguard Group DIV (app Etf) ETF 921908844   1,553,019 9,114 SH   SOLE   9,114 0 0
Invesco S&P 500 Equal Weight ETF ETF 46137V357   583,164 3,696 SH   SOLE   3,696 0 0
iShares Core S&P Mid-Cap ETF 464287507   296,624 1,070 SH   SOLE   1,070 0 0
Berkshire Hathaway 'B' COM 084670702   1,060,350 2,973 SH   SOLE   2,285 0 688
Coca Cola COM 191216100   567,437 9,629 SH   SOLE   9,554 0 75
Microsoft COM 594918104   5,908,789 15,713 SH   SOLE   14,522 0 1,191
Walt Disney COM 254687106   400,175 4,417 SH   SOLE   4,159 0 258
Home Depot COM 437076102   324,468 936 SH   SOLE   881 0 55
Nvidia COM 67066G104   3,212,500 6,487 SH   SOLE   6,203 0 284
Thermo Fisher Scientific COM 883556102   3,876,803 7,299 SH   SOLE   7,283 0 16
Visa 'a' COM CL A 92826C839   1,221,605 4,692 SH   SOLE   4,512 0 180
Vanguard Total Market Index ETF ETF 922908769   10,408,463 43,877 SH   SOLE   43,877 0 0
DFA Intl Core Equity 2 ETF ETF 25434V799   619,770 24,276 SH   SOLE   24,276 0 0
Industrial Select Sector SPDR Fund ETF ETF 81369Y704   329,089 2,887 SH   SOLE   2,887 0 0
iShares Core S&P 500 ETF 464287200   686,354 1,437 SH   SOLE   1,437 0 0
iShares S&P 500 ETF ETF 464287408   924,150 5,315 SH   SOLE   5,315 0 0
iShares S&P 500 Growth ETF ETF 464287309   469,826 6,256 SH   SOLE   6,256 0 0
Sector SPDR TR SHS ETF 81369Y605   539,367 14,345 SH   SOLE   14,345 0 0
Vanguard S&P 500 Growth ETF ETF 921932505   529,394 1,955 SH   SOLE   1,955 0 0
Alnylam Pharmaceuticals COM 02043Q107   409,235 2,138 SH   SOLE   2,126 0 12
Charles Schwab COM 808513105   405,438 5,893 SH   SOLE   5,818 0 75
Cisco Systems COM 17275R102   210,769 4,172 SH   SOLE   3,863 0 309
Costco Wholesale COM 22160K105   277,500 411 SH   SOLE   70 0 341
Deere & Co COM 244199105   1,153,451 2,874 SH   SOLE   2,850 0 24
Exxon Mobil COM 30231G102   246,651 2,467 SH   SOLE   2,130 0 337
International Bus.MCHS. COM 459200101   410,622 2,511 SH   SOLE   2,358 0 153
Intuit Inc COM 461202103   4,721,477 7,554 SH   SOLE   7,514 0 40
Kimberly-Clark COM 494368103   3,449,120 28,385 SH   SOLE   28,335 0 50
Lockheed Martin Corp COM 539830109   973,085 2,147 SH   SOLE   2,142 0 5
Mastercard COM 57636Q104   236,722 555 SH   SOLE   403 0 152
Meta Platforms, Inc COM 30303M102   4,258,139 12,030 SH   SOLE   11,608 0 422
Netflix COM 64110L106   280,443 576 SH   SOLE   302 0 274
Nike 'B' COM 654106103   453,190 4,160 SH   SOLE   4,041 0 119
Pepsico COM 713448108   636,168 3,718 SH   SOLE   3,625 0 93
Pfizer COM 717081103   573,929 19,935 SH   SOLE   17,236 0 2,699
Procter & Gamble COM 742718109   303,191 2,069 SH   SOLE   1,781 0 288
Starbucks COM 855244109   384,040 4,000 SH   SOLE   3,900 0 100
Target COM 87612E106   413,659 2,905 SH   SOLE   2,822 0 83
Tesla Motors COM 88160R101   804,578 3,238 SH   SOLE   1,272 0 1,966
Union Pacific COM 907818108   335,026 1,364 SH   SOLE   1,285 0 79
Invesco QQQ TR Unit (ser 1) ETF 46090E103   375,484 916 SH   SOLE   916 0 0
iShares Nasdaq Biotechnology ETF ETF 464287556   571,935 4,210 SH   SOLE   4,210 0 0
Vanguard S&P 500 ETF ETF 922908363   2,758,928 6,316 SH   SOLE   6,316 0 0
Microchip Technology COM 595017104   1,082,160 12,000 SH   SOLE   12,000 0 0
SPDR Dow Jones Indl ETF 78467X109   2,281,838 6,041 SH   SOLE   6,041 0 0
Korn Ferry Intl. COM 500643200   246,956 4,138 SH   SOLE   4,138 0 0
Ascendas Real Esta Ordf Not on List Y0205X103   27,560 12,000 SH   SOLE   12,000 0 0
DFA Inflation Protected Securities ETF ETF 25434V856   664,814 16,105 SH   SOLE   16,105 0 0
iShares S&P Small Cap 600 ETF ETF 464287879   395,995 3,842 SH   SOLE   3,842 0 0
Schwab US Large Cap Value ETF ETF 808524409   1,256,753 17,928 SH   SOLE   17,928 0 0
Vitasoy Intl HLDGS Ordf Not on List Y93794108   23,714 23,800 SH   SOLE   23,800 0 0
SPDR S&P 500 ETF ETF 78462F103   1,044,585 2,189 SH   SOLE   2,189 0 0
FlexShares Mstar Glbl Upstrm Nat Res ETF ETF 33939L407   350,327 8,555 SH   SOLE   8,555 0 0
Vanguard Small-Cap ETF ETF 922908751   359,581 1,686 SH   SOLE   1,686 0 0
Pathfinder Bancorp, Inc. COM 70319R109   409,590 29,637 SH   SOLE   29,637 0 0
Schwab U.S. Broad Market ETF ETF 808524102   335,467 6,026 SH   SOLE   6,026 0 0
Johnson & Johnson COM 478160104   667,712 4,260 SH   SOLE   3,681 0 579
Advanced Viral Resh Not on List 007928104   0 10,000 SH   SOLE   10,000 0 0
DFA US Small Cap ETF ETF 25434V500   9,863,920 165,447 SH   SOLE   165,447 0 0
SPDR Index SHS FDS MSCI Acwi Ex-US ETF ETF 78463X848   1,342,942 49,665 SH   SOLE   49,665 0 0
Lions Gate Entertainment Corp Registered SHS -B- Non-Voting COM 535919500   109,013 10,698 SH   SOLE   10,698 0 0
Blackstone Group Inc CL A COM 09260D107   323,576 2,472 SH   SOLE   2,335 0 137
Brown-Forman 'B' CL A 115637209   435,042 7,590 SH   SOLE   7,500 0 90
Church & Dwight Co. COM 171340102   429,208 4,539 SH   SOLE   4,500 0 39
Emerson Electric COM 291011104   291,990 3,000 SH   SOLE   3,000 0 0
iShares 1-5 Year Investment Grade Corporate Bond ETF ETF 464288646   1,775,346 34,624 SH   SOLE   32,231 0 2,393
Schwab International Equity ETF ETF 808524805   575,909 15,582 SH   SOLE   15,582 0 0
Phillips Edison & Co Inc COM 71844V201   242,801 6,638 SH   SOLE   6,638 0 0
iShares TR U.S. PFD ETF 464288687   1,015,422 32,556 SH   SOLE   32,556 0 0
Invesco S&P 500 Equal Weight Technology ETF ETF 46137V282   288,538 8,840 SH   SOLE   8,840 0 0
Eaton Vance Tax MG Cef ETF 27828N102   222,702 18,269 SH   SOLE   18,269 0 0
Siren ETF TR Divcon Leaders Divid ETF ETF 829658301   243,279 4,000 SH   SOLE   4,000 0 0
Thirdeye Systems LTD Not on List M7767A101   52,392 57,856 SH   SOLE   57,856 0 0
iShares Russell 2000 ETF 464287655   272,425 1,357 SH   SOLE   1,357 0 0
iShares Edge MSCI ETF 46432F339   245,002 1,664 SH   SOLE   1,664 0 0
iShares Edge MSCI Min Vol USA ETF ETF 46429B697   212,476 2,723 SH   SOLE   2,723 0 0
Vanguard Large-Cap ETF ETF 922908637   238,438 1,093 SH   SOLE   1,093 0 0
SPDR S&P Midcap 400 ETF 78467Y107   425,241 835 SH   SOLE   835 0 0
iShares MSCI Europe Financials ETF ETF 464289180   506,730 24,176 SH   SOLE   24,176 0 0
Mawson COM 57778N307   277,280 86,650 SH   SOLE   86,650 0 0
Nikola Corp COM 654110105   26,856 30,700 SH   SOLE   30,700 0 0
iShares S&P 100 ETF ETF 464287101   1,525,533 6,829 SH   SOLE   6,829 0 0
Archer Aviation Inc COM 03945R102   174,996 28,501 SH   SOLE   28,501 0 0
Getaround Inc Com COM 37427G101   11,016 46,876 SH   SOLE   46,876 0 0
ProShares Ultra Euro ETF 74347W874   178,768 15,105 SH   SOLE   0 0 15,105