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
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
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
3M CO COM 88579Y101   250,902 2,680 SH   SOLE   2,680 0 0
ABBOTT LABS COM 002824100   784,970 8,105 SH   SOLE   8,105 0 0
ABBVIE INC COM 00287Y109   1,608,209 10,789 SH   SOLE   10,789 0 0
ACCENTURE PLC IRELAND SHS CLASS A G1151C101   636,947 2,074 SH   SOLE   2,074 0 0
ADOBE INC COM 00724F101   17,160,175 33,654 SH   SOLE   31,603 0 2,051
ADVANCED MICRO DEVICES INC COM 007903107   339,804 3,305 SH   SOLE   3,305 0 0
AFLAC INC COM 001055102   747,008 9,733 SH   SOLE   9,543 0 190
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   225,785 2,603 SH   SOLE   2,433 0 170
ALPHABET INC CAP STK CL A 02079K305   10,573,358 80,799 SH   SOLE   79,348 0 1,451
ALPHABET INC CAP STK CL C 02079K107   34,072,762 258,421 SH   SOLE   245,624 0 12,797
ALTRIA GROUP INC COM 02209S103   427,228 10,160 SH   SOLE   10,160 0 0
AMAZON COM INC COM 023135106   35,515,295 279,384 SH   SOLE   265,480 0 13,904
AMERICAN ELEC PWR CO INC COM 025537101   363,313 4,830 SH   SOLE   4,830 0 0
AMERICAN EXPRESS CO COM 025816109   14,806,090 99,243 SH   SOLE   94,786 0 4,457
AMERICAN INTL GROUP INC COM NEW 026874784   268,943 4,438 SH   SOLE   4,384 0 54
AMERICAN TOWER CORP NEW COM 03027X100   9,928,747 60,375 SH   SOLE   56,590 0 3,785
AMGEN INC COM 031162100   370,083 1,377 SH   SOLE   1,377 0 0
ANALOG DEVICES INC COM 032654105   268,939 1,536 SH   SOLE   1,536 0 0
AON PLC SHS CL A G0403H108   293,420 905 SH   SOLE   905 0 0
APPLE INC COM 037833100   58,734,429 343,055 SH   SOLE   333,881 0 9,174
ASTRAZENECA PLC SPONSORED ADR 046353108   228,555 3,375 SH   SOLE   3,375 0 0
AT&T INC COM 00206R102   191,581 12,755 SH   SOLE   12,755 0 0
AUTOMATIC DATA PROCESSING IN COM 053015103   575,708 2,393 SH   SOLE   2,393 0 0
BANK AMERICA CORP COM 060505104   1,809,342 66,083 SH   SOLE   58,898 0 7,185
BANK NEW YORK MELLON CORP COM 064058100   1,643,731 38,540 SH   SOLE   38,540 0 0
BARINGS BDC INC COM 06759L103   137,749 15,460 SH   SOLE   15,460 0 0
BERKLEY W R CORP COM 084423102   407,225 6,414 SH   SOLE   6,414 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   29,890,749 85,329 SH   SOLE   81,107 0 4,222
BIGBEAR AI HLDGS INC *W EXP 12/08/202 08975B117   27,858 61,906 SH   SOLE   61,906 0 0
BLACKROCK INC COM 09247X101   700,149 1,083 SH   SOLE   1,083 0 0
BOEING CO COM 097023105   1,086,291 5,667 SH   SOLE   5,667 0 0
BRISTOL-MYERS SQUIBB CO COM 110122108   1,097,561 18,910 SH   SOLE   18,837 0 73
BROADSTONE NET LEASE INC COM 11135E203   17,885,641 1,250,744 SH   SOLE   1,250,744 0 0
BROOKFIELD ASSET MANAGMT LTD CL A LMT VTG SHS 113004105   270,588 8,116 SH   SOLE   7,885 0 231
BROOKFIELD CORP CL A LTD VT SH 11271J107   14,772,142 472,406 SH   SOLE   445,577 0 26,829
CANADIAN NATL RY CO COM 136375102   17,958,954 165,780 SH   SOLE   157,395 0 8,385
CANOPY GROWTH CORP COM 138035100   9,569 12,223 SH   SOLE   12,223 0 0
CARDINAL HEALTH INC COM 14149Y108   221,391 2,550 SH   SOLE   2,550 0 0
CARRIER GLOBAL CORPORATION COM 14448C104   303,711 5,502 SH   SOLE   5,502 0 0
CATERPILLAR INC COM 149123101   1,549,548 5,676 SH   SOLE   5,076 0 600
CHEVRON CORP NEW COM 166764100   4,772,055 28,301 SH   SOLE   28,146 0 155
CINCINNATI FINL CORP COM 172062101   375,405 3,670 SH   SOLE   3,670 0 0
CISCO SYS INC COM 17275R102   1,515,390 28,188 SH   SOLE   28,188 0 0
CITIZENS FINL GROUP INC COM 174610105   273,514 10,206 SH   SOLE   10,060 0 146
COCA COLA CO COM 191216100   1,863,068 33,281 SH   SOLE   33,161 0 120
COLGATE PALMOLIVE CO COM 194162103   330,235 4,644 SH   SOLE   4,644 0 0
COMCAST CORP NEW CL A 20030N101   1,848,554 41,690 SH   SOLE   41,572 0 118
CONOCOPHILLIPS COM 20825C104   481,477 4,019 SH   SOLE   4,019 0 0
CONSOLIDATED EDISON INC COM 209115104   446,211 5,217 SH   SOLE   5,217 0 0
CONSTELLATION BRANDS INC CL A 21036P108   2,384,841 9,489 SH   SOLE   9,489 0 0
COPART INC COM 217204106   11,431,562 265,295 SH   SOLE   249,779 0 15,516
COSTAR GROUP INC COM 22160N109   12,041,666 156,609 SH   SOLE   147,756 0 8,853
COSTCO WHSL CORP NEW COM 22160K105   12,221,249 21,632 SH   SOLE   20,477 0 1,155
COUPANG INC CL A 22266T109   259,675 15,275 SH   SOLE   15,275 0 0
CRESCENT CAP BDC INC COM 225655109   1,018,425 59,557 SH   SOLE   59,557 0 0
CROWN HLDGS INC COM 228368106   823,926 9,312 SH   SOLE   9,312 0 0
CSX CORP COM 126408103   603,623 19,630 SH   SOLE   19,630 0 0
CVS HEALTH CORP COM 126650100   421,836 6,042 SH   SOLE   5,987 0 55
DANAHER CORPORATION COM 235851102   231,726 934 SH   SOLE   934 0 0
DBX ETF TR XTRACKERS S&P MD 233051127   333,462 13,298 SH   SOLE   13,298 0 0
DEERE & CO COM 244199105   729,099 1,932 SH   SOLE   1,932 0 0
DIAGEO PLC SPON ADR NEW 25243Q205   318,649 2,136 SH   SOLE   2,136 0 0
DICKS SPORTING GOODS INC COM 253393102   927,925 8,546 SH   SOLE   8,546 0 0
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   200,134 7,665 SH   SOLE   7,665 0 0
DIMENSIONAL ETF TRUST WORLD EX US CORE 25434V880   51,940,240 2,306,405 SH   SOLE   2,263,198 0 43,207
DISNEY WALT CO COM 254687106   14,109,697 174,086 SH   SOLE   164,404 0 9,682
DOMINION ENERGY INC COM 25746U109   369,088 8,263 SH   SOLE   8,183 0 80
DOVER CORP COM 260003108   330,918 2,372 SH   SOLE   2,352 0 20
DOW INC COM 260557103   535,994 10,396 SH   SOLE   10,283 0 113
DUKE ENERGY CORP NEW COM NEW 26441C204   405,428 4,594 SH   SOLE   4,546 0 48
EATON CORP PLC SHS G29183103   867,624 4,068 SH   SOLE   4,038 0 30
ELI LILLY & CO COM 532457108   992,617 1,848 SH   SOLE   1,848 0 0
EMERSON ELEC CO COM 291011104   1,561,814 16,173 SH   SOLE   16,173 0 0
ENBRIDGE INC COM 29250N105   834,463 25,142 SH   SOLE   25,067 0 75
ENERGY TRANSFER L P COM UT LTD PTN 29273V100   1,799,685 128,274 SH   SOLE   128,274 0 0
ENTERPRISE PRODS PARTNERS L COM 293792107   2,641,738 96,519 SH   SOLE   96,519 0 0
EOS ENERGY ENTERPRISES INC COM CL A 29415C101   22,277 10,361 SH   SOLE   10,361 0 0
EXXON MOBIL CORP COM 30231G102   5,771,791 49,088 SH   SOLE   49,064 0 24
FINANCIAL INSTNS INC COM 317585404   201,960 12,000 SH   SOLE   12,000 0 0
FIRST HORIZON CORPORATION COM 320517105   203,319 18,450 SH   SOLE   114 0 18,336
GE HEALTHCARE TECHNOLOGIES I COMMON STOCK 36266G107   248,755 3,656 SH   SOLE   3,656 0 0
GENERAL DYNAMICS CORP COM 369550108   225,390 1,020 SH   SOLE   1,020 0 0
GENERAL ELECTRIC CO COM NEW 369604301   730,515 6,608 SH   SOLE   6,608 0 0
GENERAL MLS INC COM 370334104   201,569 3,150 SH   SOLE   3,150 0 0
GILAT SATELLITE NETWORKS LTD SHS NEW M51474118   84,291 13,109 SH   SOLE   13,109 0 0
GILEAD SCIENCES INC COM 375558103   202,329 2,700 SH   SOLE   2,700 0 0
GOLDMAN SACHS GROUP INC COM 38141G104   474,031 1,465 SH   SOLE   1,465 0 0
GRAHAM CORP COM 384556106   3,100,100 186,753 SH   SOLE   186,753 0 0
HCA HEALTHCARE INC COM 40412C101   349,046 1,419 SH   SOLE   1,419 0 0
HENRY JACK & ASSOC INC COM 426281101   14,618,834 96,724 SH   SOLE   90,891 0 5,833
HOME DEPOT INC COM 437076102   1,250,448 4,138 SH   SOLE   4,074 0 64
HONEYWELL INTL INC COM 438516106   1,088,280 5,891 SH   SOLE   5,891 0 0
IDEX CORP COM 45167R104   210,517 1,012 SH   SOLE   1,012 0 0
IDEXX LABS INC COM 45168D104   10,838,175 24,786 SH   SOLE   22,859 0 1,927
ILLINOIS TOOL WKS INC COM 452308109   649,935 2,822 SH   SOLE   2,822 0 0
INTEL CORP COM 458140100   688,355 19,363 SH   SOLE   19,163 0 200
INTERNATIONAL BUSINESS MACHS COM 459200101   879,541 6,269 SH   SOLE   6,269 0 0
INTUITIVE SURGICAL INC COM NEW 46120E602   256,047 876 SH   SOLE   876 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1000 46137V613   391,864 12,315 SH   SOLE   12,315 0 0
INVESCO EXCHANGE TRADED FD T FTSE RAFI 1500 46137V597   260,786 7,905 SH   SOLE   7,905 0 0
INVESCO QQQ TR UNIT SER 1 46090E103   512,685 1,431 SH   SOLE   1,431 0 0
ISHARES GOLD TR ISHARES NEW 464285204   2,510,428 71,747 SH   SOLE   71,747 0 0
ISHARES INC CORE MSCI EMKT 46434G103   29,253,658 614,702 SH   SOLE   605,386 0 9,316
ISHARES INC ESG AWR MSCI EM 46434G863   275,548 9,100 SH   SOLE   9,100 0 0
ISHARES SILVER TR ISHARES 46428Q109   203,400 10,000 SH   SOLE   10,000 0 0
ISHARES TR COHEN STEER REIT 464287564   843,942 16,825 SH   SOLE   16,825 0 0
ISHARES TR CORE HIGH DV ETF 46429B663   602,241 6,090 SH   SOLE   6,090 0 0
ISHARES TR CORE MSCI EAFE 46432F842   608,494 9,456 SH   SOLE   9,456 0 0
ISHARES TR CORE MSCI TOTAL 46432F834   119,369,449 1,989,822 SH   SOLE   1,947,897 0 41,925
ISHARES TR CORE S&P MCP ETF 464287507   794,679 3,187 SH   SOLE   3,187 0 0
ISHARES TR CORE S&P SCP ETF 464287804   450,304 4,774 SH   SOLE   4,585 0 189
ISHARES TR CORE S&P TTL STK 464287150   99,710,372 1,058,609 SH   SOLE   1,050,750 0 7,859
ISHARES TR CORE S&P US GWT 464287671   296,818 3,130 SH   SOLE   3,130 0 0
ISHARES TR CORE S&P500 ETF 464287200   2,073,381 4,828 SH   SOLE   4,828 0 0
ISHARES TR CORE US AGGBD ET 464287226   2,306,049 24,522 SH   SOLE   23,735 0 787
ISHARES TR EAFE SML CP ETF 464288273   262,586 4,650 SH   SOLE   4,650 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   818,016 11,833 SH   SOLE   11,833 0 0
ISHARES TR ESG AWRE USD ETF 46435G193   717,667 32,981 SH   SOLE   32,981 0 0
ISHARES TR IBOXX INV CP ETF 464287242   2,450,827 24,023 SH   SOLE   24,023 0 0
ISHARES TR ISHS 1-5YR INVS 464288646   2,145,680 43,060 SH   SOLE   43,060 0 0
ISHARES TR MBS ETF 464288588   1,211,676 13,645 SH   SOLE   12,865 0 780
ISHARES TR MSCI ACWI EX US 464288240   2,035,425 43,298 SH   SOLE   43,298 0 0
ISHARES TR MSCI EAFE ETF 464287465   1,341,459 19,464 SH   SOLE   19,464 0 0
ISHARES TR MSCI EMG MKT ETF 464287234   611,641 16,117 SH   SOLE   16,117 0 0
ISHARES TR MSCI KLD400 SOC 464288570   581,268 7,140 SH   SOLE   7,140 0 0
ISHARES TR MSCI USA ESG SLC 464288802   2,247,991 24,986 SH   SOLE   24,986 0 0
ISHARES TR MSCI USA MMENTM 46432F396   18,491,533 132,366 SH   SOLE   130,987 0 1,379
ISHARES TR RUS 1000 GRW ETF 464287614   275,300 1,035 SH   SOLE   1,035 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   1,290,432 5,757 SH   SOLE   5,757 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   977,858 7,214 SH   SOLE   7,214 0 0
ISHARES TR RUSSELL 2000 ETF 464287655   5,456,671 30,874 SH   SOLE   29,801 0 1,073
ISHARES TR RUSSELL 3000 ETF 464287689   569,275 2,323 SH   SOLE   2,323 0 0
ISHARES TR S&P MC 400GR ETF 464287606   440,303 6,095 SH   SOLE   6,095 0 0
ISHARES TR S&P MC 400VL ETF 464287705   470,233 4,659 SH   SOLE   4,659 0 0
ISHARES TR SELECT DIVID ETF 464287168   300,854 2,795 SH   SOLE   2,795 0 0
ISHARES TR TIPS BD ETF 464287176   294,669 2,841 SH   SOLE   2,841 0 0
ISHARES TR U.S. FIN SVC ETF 464287770   923,201 5,970 SH   SOLE   5,970 0 0
ISHARES TR US TREAS BD ETF 46429B267   66,590,693 3,021,356 SH   SOLE   2,964,493 0 56,863
ISHARES TR USD INV GRDE ETF 464288620   1,655,435 34,438 SH   SOLE   29,504 0 4,934
J P MORGAN EXCHANGE TRADED F DIV RTN EM EQT 46641Q308   227,572 4,518 SH   SOLE   4,518 0 0
J P MORGAN EXCHANGE TRADED F DIV RTN INT EQ 46641Q209   804,908 15,923 SH   SOLE   15,923 0 0
J P MORGAN EXCHANGE TRADED F ULTRA SHRT INC 46641Q837   9,340,957 186,149 SH   SOLE   186,149 0 0
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   37,929,851 1,094,973 SH   SOLE   1,083,526 0 11,447
JOHNSON & JOHNSON COM 478160104   5,230,254 33,581 SH   SOLE   32,912 0 669
JPMORGAN CHASE & CO COM 46625H100   2,995,534 20,656 SH   SOLE   19,656 0 1,000
KENVUE INC COM 49177J102   1,307,927 65,136 SH   SOLE   64,496 0 640
KIMBERLY-CLARK CORP COM 494368103   937,706 7,759 SH   SOLE   7,759 0 0
KOPIN CORP COM 500600101   30,049 24,630 SH   SOLE   24,630 0 0
L3HARRIS TECHNOLOGIES INC COM 502431109   409,705 2,353 SH   SOLE   2,353 0 0
LATTICE STRATEGIES TR HARTFORD MLT ETF 518416102   1,384,228 53,966 SH   SOLE   51,089 0 2,877
LINDE PLC SHS G54950103   1,218,330 3,272 SH   SOLE   3,272 0 0
LOCKHEED MARTIN CORP COM 539830109   1,733,582 4,239 SH   SOLE   4,230 0 9
LOWES COS INC COM 548661107   627,677 3,020 SH   SOLE   3,020 0 0
M & T BK CORP COM 55261F104   300,951 2,380 SH   SOLE   2,180 0 200
MARATHON PETE CORP COM 56585A102   244,415 1,615 SH   SOLE   1,615 0 0
MARKEL GROUP INC COM 570535104   27,065,839 18,381 SH   SOLE   17,295 0 1,086
MASTERCARD INCORPORATED CL A 57636Q104   1,795,148 4,534 SH   SOLE   4,534 0 0
MCDONALDS CORP COM 580135101   2,008,419 7,624 SH   SOLE   7,624 0 0
MCKESSON CORP COM 58155Q103   656,624 1,510 SH   SOLE   1,510 0 0
MEDTRONIC PLC SHS G5960L103   445,007 5,679 SH   SOLE   5,349 0 330
MERCK & CO INC COM 58933Y105   3,996,288 38,818 SH   SOLE   37,969 0 849
META PLATFORMS INC CL A 30303M102   1,031,822 3,437 SH   SOLE   3,437 0 0
METLIFE INC COM 59156R108   242,519 3,855 SH   SOLE   3,855 0 0
MICROSOFT CORP COM 594918104   40,756,994 129,080 SH   SOLE   123,578 0 5,502
MONDELEZ INTL INC CL A 609207105   218,812 3,153 SH   SOLE   3,153 0 0
MONROE CAP CORP COM 610335101   113,948 15,295 SH   SOLE   15,295 0 0
MOODYS CORP COM 615369105   18,641,946 58,962 SH   SOLE   55,230 0 3,732
MORINGA ACQUISITION CORP *W EXP 02/22/202 G6S23K124   332 10,000 SH   SOLE   10,000 0 0
NATIONAL FUEL GAS CO COM 636180101   2,517,428 48,496 SH   SOLE   48,496 0 0
NETFLIX INC COM 64110L106   215,232 570 SH   SOLE   570 0 0
NEXTERA ENERGY INC COM 65339F101   1,374,216 23,987 SH   SOLE   23,987 0 0
NIKE INC CL B 654106103   920,552 9,627 SH   SOLE   9,627 0 0
NORFOLK SOUTHN CORP COM 655844108   259,948 1,320 SH   SOLE   1,320 0 0
NOVO-NORDISK A S ADR 670100205   375,583 4,130 SH   SOLE   4,130 0 0
NVIDIA CORPORATION COM 67066G104   15,090,277 34,691 SH   SOLE   32,797 0 1,894
ORACLE CORP COM 68389X105   1,381,833 13,046 SH   SOLE   12,876 0 170
OREILLY AUTOMOTIVE INC COM 67103H107   1,158,797 1,275 SH   SOLE   1,275 0 0
PAYCHEX INC COM 704326107   7,171,912 62,186 SH   SOLE   62,186 0 0
PAYLOCITY HLDG CORP COM 70438V106   360,675 1,985 SH   SOLE   1,985 0 0
PAYPAL HLDGS INC COM 70450Y103   229,047 3,918 SH   SOLE   3,918 0 0
PEPSICO INC COM 713448108   18,905,808 111,578 SH   SOLE   104,686 0 6,892
PFIZER INC COM 717081103   1,888,606 56,937 SH   SOLE   56,849 0 88
PHILIP MORRIS INTL INC COM 718172109   431,897 4,665 SH   SOLE   4,618 0 47
PHILLIPS 66 COM 718546104   2,110,542 17,566 SH   SOLE   17,526 0 40
PIMCO ETF TR ENHAN SHRT MA AC 72201R833   4,368,515 43,624 SH   SOLE   43,624 0 0
PNC FINL SVCS GROUP INC COM 693475105   237,683 1,936 SH   SOLE   1,936 0 0
PPG INDS INC COM 693506107   238,832 1,840 SH   SOLE   1,840 0 0
PPL CORP COM 69351T106   341,620 14,500 SH   SOLE   14,500 0 0
PROCTER AND GAMBLE CO COM 742718109   5,939,685 40,722 SH   SOLE   40,153 0 569
QUALCOMM INC COM 747525103   1,196,863 10,777 SH   SOLE   10,733 0 44
READY CAPITAL CORP COM 75574U101   1,165,117 115,244 SH   SOLE   115,244 0 0
REGIONS FINANCIAL CORP NEW COM 7591EP100   176,300 10,250 SH   SOLE   10,250 0 0
REPUBLIC SVCS INC COM 760759100   292,003 2,049 SH   SOLE   2,049 0 0
ROCKWELL AUTOMATION INC COM 773903109   272,720 954 SH   SOLE   954 0 0
RTX CORPORATION COM 75513E101   716,030 9,949 SH   SOLE   9,949 0 0
SALESFORCE INC COM 79466L302   286,529 1,413 SH   SOLE   1,413 0 0
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   2,329,817 97,319 SH   SOLE   94,968 0 2,351
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   719,100 15,000 SH   SOLE   15,000 0 0
SCHWAB STRATEGIC TR SCHWAB FDT US LG 808524771   8,742,672 156,203 SH   SOLE   154,898 0 1,305
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   4,445,773 92,833 SH   SOLE   91,088 0 1,745
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   294,301 6,654 SH   SOLE   6,654 0 0
SCHWAB STRATEGIC TR US BRD MKT ETF 808524102   18,106,949 363,229 SH   SOLE   352,736 0 10,493
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   533,021 7,533 SH   SOLE   7,533 0 0
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,830,390 214,039 SH   SOLE   210,872 0 3,167
SCHWAB STRATEGIC TR US REIT ETF 808524847   325,180 18,320 SH   SOLE   17,070 0 1,250
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   2,006,095 48,433 SH   SOLE   48,433 0 0
SHOPIFY INC CL A 82509L107   15,343,120 281,164 SH   SOLE   265,349 0 15,815
SOUTHERN CO COM 842587107   716,550 11,072 SH   SOLE   11,012 0 60
SPDR GOLD TR GOLD SHS 78463V107   2,212,906 12,907 SH   SOLE   12,907 0 0
SPDR INDEX SHS FDS MSCI ACWI EXUS 78463X848   13,529,886 543,587 SH   SOLE   528,828 0 14,759
SPDR S&P 500 ETF TR TR UNIT 78462F103   15,305,111 35,803 SH   SOLE   35,801 0 2
SPDR SER TR PORTFOLIO SH TSR 78468R101   47,307,113 1,647,184 SH   SOLE   1,614,828 0 32,356
SPDR SER TR S&P BK ETF 78464A797   445,885 12,100 SH   SOLE   12,100 0 0
SPROTT PHYSICAL GOLD & SILVE TR UNIT 85208R101   413,830 23,893 SH   SOLE   23,893 0 0
SPROTT PHYSICAL GOLD TR UNIT 85207H104   359,590 25,111 SH   SOLE   25,111 0 0
SSGA ACTIVE ETF TR SPDR TR TACTIC 78467V848   1,119,498 28,965 SH   SOLE   25,820 0 3,145
STARBUCKS CORP COM 855244109   717,505 7,861 SH   SOLE   7,834 0 27
STATE STR CORP COM 857477103   289,937 4,330 SH   SOLE   4,330 0 0
STRYKER CORPORATION COM 863667101   1,332,192 4,875 SH   SOLE   4,875 0 0
SYSCO CORP COM 871829107   273,447 4,140 SH   SOLE   4,140 0 0
TE CONNECTIVITY LTD SHS H84989104   215,964 1,748 SH   SOLE   1,722 0 26
TEGNA INC COM 87901J105   425,255 29,187 SH   SOLE   29,187 0 0
TELUS CORPORATION COM 87971M103   335,363 20,524 SH   SOLE   20,218 0 306
TESLA INC COM 88160R101   473,917 1,894 SH   SOLE   1,840 0 54
TEXAS INSTRS INC COM 882508104   200,194 1,259 SH   SOLE   1,259 0 0
THE CIGNA GROUP COM 125523100   205,113 717 SH   SOLE   717 0 0
THERMO FISHER SCIENTIFIC INC COM 883556102   333,567 659 SH   SOLE   659 0 0
TJX COS INC NEW COM 872540109   11,362,051 127,836 SH   SOLE   121,794 0 6,042
TOMPKINS FINL CORP COM 890110109   381,976 7,797 SH   SOLE   7,797 0 0
TORONTO DOMINION BK ONT COM NEW 891160509   1,002,124 16,630 SH   SOLE   16,630 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   289,147 1,425 SH   SOLE   1,425 0 0
TRAVELERS COMPANIES INC COM 89417E109   210,017 1,286 SH   SOLE   1,286 0 0
TRUIST FINL CORP COM 89832Q109   294,836 10,305 SH   SOLE   10,174 0 131
UNION PAC CORP COM 907818108   312,796 1,536 SH   SOLE   1,528 0 8
UNITED PARCEL SERVICE INC CL B 911312106   389,052 2,496 SH   SOLE   2,496 0 0
UNITEDHEALTH GROUP INC COM 91324P102   1,914,914 3,798 SH   SOLE   3,798 0 0
UNUM GROUP COM 91529Y106   278,809 5,668 SH   SOLE   5,668 0 0
UR-ENERGY INC COM 91688R108   29,337 19,050 SH   SOLE   19,050 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   2,681,916 38,434 SH   SOLE   38,400 0 34
VANGUARD INDEX FDS EXTEND MKT ETF 922908652   30,456,479 212,492 SH   SOLE   208,204 0 4,288
VANGUARD INDEX FDS GROWTH ETF 922908736   221,389 813 SH   SOLE   813 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637   311,735 1,593 SH   SOLE   1,593 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   211,781 1,017 SH   SOLE   1,017 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   368,994 4,877 SH   SOLE   4,877 0 0
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,764,608 7,040 SH   SOLE   7,011 0 29
VANGUARD INDEX FDS SMALL CP ETF 922908751   519,754 2,749 SH   SOLE   2,749 0 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   21,697,701 102,150 SH   SOLE   100,855 0 1,295
VANGUARD INDEX FDS VALUE ETF 922908744   785,512 5,695 SH   SOLE   5,695 0 0
VANGUARD INTL EQUITY INDEX F ALLWRLD EX US 922042775   1,838,896 35,452 SH   SOLE   32,397 0 3,055
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   1,246,552 31,792 SH   SOLE   29,997 0 1,795
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   1,844,964 19,800 SH   SOLE   19,800 0 0
VANGUARD SCOTTSDALE FDS INTER TERM TREAS 92206C706   1,043,902 18,266 SH   SOLE   18,266 0 0
VANGUARD SCOTTSDALE FDS MTG-BKD SECS ETF 92206C771   382,200 8,730 SH   SOLE   8,730 0 0
VANGUARD STAR FDS VG TL INTL STK F 921909768   955,654 17,856 SH   SOLE   17,802 0 54
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   1,029,475 23,547 SH   SOLE   23,547 0 0
VANGUARD WELLINGTON FD US QUALITY 921935706   275,160 2,450 SH   SOLE   2,450 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   506,620 15,632 SH   SOLE   15,539 0 93
VISA INC COM CL A 92826C839   27,796,697 120,850 SH   SOLE   114,074 0 6,776
WALMART INC COM 931142103   420,297 2,628 SH   SOLE   2,628 0 0
WASTE MGMT INC DEL COM 94106L109   927,293 6,083 SH   SOLE   6,083 0 0
WD 40 CO COM 929236107   277,626 1,366 SH   SOLE   1,366 0 0
WEBSTER FINL CORP COM 947890109   412,424 10,231 SH   SOLE   10,095 0 136
WELLS FARGO CO NEW COM 949746101   21,551,841 527,456 SH   SOLE   498,119 0 29,337
WHEATON PRECIOUS METALS CORP COM 962879102   748,482 18,458 SH   SOLE   18,458 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   769,595 15,294 SH   SOLE   15,294 0 0
YUM BRANDS INC COM 988498101   1,340,505 10,729 SH   SOLE   10,729 0 0
YUM CHINA HLDGS INC COM 98850P109   691,653 12,413 SH   SOLE   12,413 0 0
ZIMMER BIOMET HOLDINGS INC COM 98956P102   396,586 3,534 SH   SOLE   3,534 0 0