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
ABBOTT LABS COM 002824100   245,390 2,423 SH   OTR   2,423 0 0
ABBVIE INC COM 00287Y109   223,755 1,404 SH   OTR   1,404 0 0
ALLSTATE CORP COM 020002101   487,786 4,402 SH   OTR   4,402 0 0
ALPHABET INC CAP STK CL A 02079K305   403,302 3,888 SH   OTR   3,888 0 0
ALPHABET INC CAP STK CL C 02079K107   255,424 2,456 SH   OTR   2,456 0 0
AMAZON COM INC COM 023135106   510,046 4,938 SH   OTR   4,938 0 0
APPLE INC COM 037833100   3,546,892 21,509 SH   OTR   20,483 0 1,027
AUTOMATIC DATA PROCESSING IN COM 053015103   339,511 1,525 SH   OTR   1,525 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   2,442,988 7,912 SH   OTR   7,912 0 0
BOEING CO COM 097023105   277,221 1,305 SH   OTR   1,305 0 0
BROADSTONE NET LEASE INC COM 11135E203   3,580,435 210,490 SH   OTR   210,490 0 0
CATERPILLAR INC COM 149123101   282,389 1,234 SH   OTR   1,234 0 0
CHEMUNG FINL CORP COM 164024101   548,381 13,214 SH   OTR   13,214 0 0
CONSTELLATION BRANDS INC CL A 21036P108   364,972 1,616 SH   OTR   1,616 0 0
DEERE & CO COM 244199105   294,796 714 SH   OTR   714 0 0
DIMENSIONAL ETF TRUST INTERNATNAL VAL 25434V807   511,168 15,860 SH   SOLE   15,860 0 0
DIMENSIONAL ETF TRUST INTL SMALL CAP E 25434V773   1,846,873 80,334 SH   SOLE   79,354 0 980
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740   2,365,434 101,188 SH   SOLE   100,851 0 337
DISNEY WALT CO COM 254687106   364,022 3,635 SH   OTR   3,635 0 0
EVOQUA WATER TECHNOLOGIES CO COM 30057T105   943,487 18,976 SH   OTR   18,976 0 0
EXXON MOBIL CORP COM 30231G102   1,613,428 14,713 SH   OTR   14,713 0 0
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889   1,061,128 21,138 SH   SOLE   21,138 0 0
GLOBAL X FDS S&P EX US ETF 37954Y368   343,861 12,320 SH   SOLE   12,320 0 0
HOME DEPOT INC COM 437076102   263,542 893 SH   OTR   893 0 0
INTEL CORP COM 458140100   244,960 7,498 SH   OTR   7,498 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258   623,425 8,214 SH   SOLE   8,214 0 0
ISHARES GOLD TR ISHARES NEW 464285204   710,478 19,012 SH   SOLE   19,012 0 0
ISHARES INC ESG AWR MSCI EM 46434G863   5,149,656 163,585 SH   SOLE   155,470 0 8,115
ISHARES INC MSCI EMRG CHN 46434G764   542,630 11,000 SH   SOLE   0 0 11,000
ISHARES INC CORE MSCI EMKT 46434G103   136,519,704 2,798,108 SH   SOLE   2,710,133 0 87,975
ISHARES INC MSCI GBL MIN VOL 464286525   1,010,167 10,441 SH   SOLE   10,441 0 0
ISHARES TR FLTG RATE NT ETF 46429B655   1,978,211 39,258 SH   SOLE   39,068 0 190
ISHARES TR CORE MSCI EAFE 46432F842   299,968,644 4,487,190 SH   SOLE   4,332,302 0 154,888
ISHARES TR 0-5 YR TIPS ETF 46429B747   9,837,191 99,135 SH   SOLE   97,403 0 1,732
ISHARES TR ESG AWARE MSCI 46435U663   6,180,946 181,846 SH   SOLE   178,336 0 3,510
ISHARES TR ESG AWR US AGRGT 46435U549   26,965,505 561,080 SH   SOLE   537,140 0 23,940
ISHARES TR 0-3 MNTH TREASRY 46436E718   1,743,051 17,330 SH   SOLE   17,330 0 0
ISHARES TR ESG AW MSCI EAFE 46435G516   10,178,866 141,688 SH   SOLE   136,353 0 5,335
ISHARES TR CORE MSCI INTL 46435G326   490,109 8,105 SH   SOLE   8,105 0 0
ISHARES TR ESG AWR MSCI USA 46435G425   33,917,393 374,985 SH   SOLE   367,815 0 7,170
ISHARES TR ESG AWRE 1 5 YR 46435G243   8,656,307 359,780 SH   SOLE   357,125 0 2,655
ISHARES TR IBONDS DEC23 ETF 46434VAX8   1,245,897 49,460 SH   SOLE   49,460 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4   1,030,813 41,920 SH   SOLE   41,920 0 0
ISHARES TR MSCI INTL MOMENT 46434V449   204,417 6,325 SH   SOLE   6,325 0 0
ISHARES TR MSCI INTL QUALTY 46434V456   416,540 11,800 SH   SOLE   11,800 0 0
ISHARES TR MSCI EAFE MIN VL 46429B689   267,218 3,950 SH   SOLE   3,950 0 0
ISHARES TR 0-5YR HI YL CP 46434V407   9,734,989 233,565 SH   SOLE   233,565 0 0
ISHARES TR SHORT TREAS BD 464288679   1,120,470 10,140 SH   SOLE   10,140 0 0
ISHARES TR USD INV GRDE ETF 464288620   265,458 5,240 SH   SOLE   4,300 0 940
ISHARES TR ISHS 1-5YR INVS 464288646   2,479,240 49,055 SH   SOLE   48,885 0 170
ISHARES TR EAFE VALUE ETF 464288877   71,270,162 1,468,579 SH   SOLE   1,411,402 0 57,177
ISHARES TR MBS ETF 464288588   3,432,542 36,235 SH   SOLE   36,235 0 0
ISHARES TR 3 7 YR TREAS BD 464288661   3,136,078 26,656 SH   SOLE   26,656 0 0
ISHARES TR NATIONAL MUN ETF 464288414   12,005,576 111,431 SH   SOLE   97,208 0 14,223
ISHARES TR JPMORGAN USD EMG 464288281   651,845 7,555 SH   SOLE   7,555 0 0
ISHARES TR EAFE SML CP ETF 464288273   11,340,806 190,570 SH   SOLE   174,624 0 15,946
ISHARES TR NEW YORK MUN ETF 464288323   13,581,962 253,821 SH   SOLE   228,961 0 24,860
ISHARES TR SHRT NAT MUN ETF 464288158   8,351,232 79,779 SH   SOLE   74,810 0 4,969
ISHARES TR MICRO-CAP ETF 464288869   17,653,807 168,920 SH   SOLE   158,404 0 10,516
ISHARES TR CORE US AGGBD ET 464287226   3,314,534 33,265 SH   SOLE   31,990 0 1,275
ISHARES TR TIPS BD ETF 464287176   2,923,190 26,514 SH   SOLE   25,730 0 784
ISHARES TR 1 3 YR TREAS BD 464287457   877,058 10,675 SH   SOLE   10,675 0 0
ISHARES TR 20 YR TR BD ETF 464287432   2,484,803 23,360 SH   SOLE   23,360 0 0
ISHARES TR IBOXX INV CP ETF 464287242   580,933 5,300 SH   SOLE   5,300 0 0
ISHARES TR RUS MID CAP ETF 464287499   448,187 6,410 SH   SOLE   6,410 0 0
ISHARES TR RUS MD CP GR ETF 464287481   1,302,015 14,300 SH   SOLE   11,834 0 2,466
ISHARES TR RUS MDCP VAL ETF 464287473   535,248 5,040 SH   SOLE   5,040 0 0
ISHARES TR GLOBAL 100 ETF 464287572   708,657 10,115 SH   SOLE   10,115 0 0
ISHARES TR RUS 2000 GRW ETF 464287648   680,460 3,000 SH   SOLE   3,000 0 0
ISHARES TR MSCI EAFE ETF 464287465   3,538,166 49,471 SH   SOLE   48,766 0 705
ISHARES TR CORE S&P MCP ETF 464287507   242,248,040 968,372 SH   SOLE   932,592 0 35,780
ISHARES TR S&P MC 400VL ETF 464287705   24,296,543 236,417 SH   SOLE   225,232 0 11,185
ISHARES TR S&P MC 400GR ETF 464287606   1,598,392 22,352 SH   SOLE   19,486 0 2,866
ISHARES TR CORE S&P SCP ETF 464287804   235,328,577 2,433,594 SH   SOLE   2,348,345 0 85,250
ISHARES TR SP SMCP600VL ETF 464287879   1,268,577 13,555 SH   SOLE   13,555 0 0
ISHARES TR S&P SML 600 GWT 464287887   1,210,989 11,015 SH   SOLE   8,482 0 2,533
ISHARES TR S&P 500 VAL ETF 464287408   17,598,557 115,963 SH   SOLE   104,744 0 11,219
ISHARES TR CORE S&P500 ETF 464287200   596,158,686 1,450,225 SH   SOLE   1,395,473 0 54,752
ISHARES TR S&P 500 GRWT ETF 464287309   1,451,709 22,722 SH   SOLE   22,722 0 0
ISHARES TR RUS 1000 ETF 464287622   251,131 1,115 SH   SOLE   1,115 0 0
ISHARES TR RUS 1000 GRW ETF 464287614   4,560,175 18,664 SH   SOLE   7,331 0 11,333
ISHARES TR RUSSELL 2000 ETF 464287655   1,470,016 8,240 SH   SOLE   8,240 0 0
ISHARES TR RUS 2000 VAL ETF 464287630   459,017 3,350 SH   SOLE   3,350 0 0
ISHARES TR RUSSELL 3000 ETF 464287689   2,232,300 9,483 SH   SOLE   9,483 0 0
ISHARES TR CORE S&P US GWT 464287671   213,048 2,400 SH   SOLE   2,400 0 0
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753   306,029 8,985 SH   SOLE   785 0 8,200
JOHNSON & JOHNSON COM 478160104   847,540 5,468 SH   OTR   5,468 0 0
JPMORGAN CHASE & CO COM 46625H100   1,017,721 7,810 SH   OTR   7,810 0 0
LOWES COS INC COM 548661107   1,243,813 6,220 SH   OTR   6,220 0 0
MCDONALDS CORP COM 580135101   321,272 1,149 SH   OTR   1,149 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104   405,040 4,835 SH   OTR   4,835 0 0
MICROSOFT CORP COM 594918104   3,111,251 10,792 SH   OTR   10,792 0 0
ORACLE CORP COM 68389X105   518,401 5,579 SH   OTR   5,579 0 0
PAYCHEX INC COM 704326107   8,693,750 75,868 SH   OTR   75,868 0 0
PEPSICO INC COM 713448108   533,228 2,925 SH   OTR   2,925 0 0
PFIZER INC COM 717081103   229,174 5,617 SH   OTR   5,617 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205   840,118 16,460 SH   OTR   16,460 0 0
PROCTER AND GAMBLE CO COM 742718109   404,288 2,719 SH   OTR   2,719 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,302,673 37,433 SH   SOLE   37,058 0 375
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   3,088,339 63,848 SH   SOLE   59,350 0 4,498
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   286,801 6,840 SH   SOLE   6,128 0 712
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409   1,196,817 18,250 SH   SOLE   15,754 0 2,496
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888   345,303 10,243 SH   SOLE   9,787 0 456
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   452,299 18,446 SH   SOLE   18,446 0 0
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755   4,692,595 150,067 SH   SOLE   130,122 0 19,945
SCHWAB STRATEGIC TR US REIT ETF 808524847   1,128,953 57,895 SH   SOLE   26,995 0 30,900
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   826,888 12,187 SH   SOLE   11,951 0 236
SCHWAB STRATEGIC TR SHT TM US TRES 808524862   47,797,399 979,656 SH   SOLE   965,781 0 13,875
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   724,679 14,370 SH   SOLE   14,370 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870   121,801,310 2,271,989 SH   SOLE   2,221,961 0 50,028
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   1,839,153 39,206 SH   SOLE   38,896 0 310
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803   359,253 2,379 SH   SOLE   2,379 0 0
SHERWIN WILLIAMS CO COM 824348106   269,724 1,200 SH   OTR   1,200 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109   297,695 895 SH   SOLE   895 0 0
SPDR GOLD TR GOLD SHS 78463V107   400,336 2,185 SH   SOLE   2,185 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756   987,067 19,488 SH   SOLE   19,488 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871   1,053,506 34,017 SH   SOLE   33,517 0 500
SPDR S&P 500 ETF TR TR UNIT 78462F103   100,832,208 246,299 SH   SOLE   241,855 0 4,444
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107   755,460 1,648 SH   SOLE   1,648 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508   115,616,202 2,839,298 SH   SOLE   2,754,813 0 84,485
SPDR SER TR NUVEEN BLMBRG MU 78468R721   935,838 19,988 SH   SOLE   15,596 0 4,392
SPDR SER TR S&P 400 MDCP VAL 78464A839   45,228,334 684,448 SH   SOLE   661,561 0 22,887
SPDR SER TR PORTFOLIO S&P500 78464A854   1,777,698 36,920 SH   SOLE   24,655 0 12,265
SPDR SER TR PORT MTG BK ETF 78464A383   1,897,499 85,550 SH   SOLE   85,550 0 0
SPDR SER TR BLOOMBERG INVT 78468R200   16,990,591 558,350 SH   SOLE   557,715 0 635
SPDR SER TR BLOOMBERG 1 10 Y 78468R861   11,587,203 608,891 SH   SOLE   530,679 0 78,212
SPDR SER TR SPDR S&P 500 ETF 78468R796   919,418 27,660 SH   SOLE   2,565 0 25,095
THERMO FISHER SCIENTIFIC INC COM 883556102   274,928 477 SH   OTR   477 0 0
TOMPKINS FINL CORP COM 890110109   251,333 3,796 SH   OTR   3,796 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103   317,366 1,725 SH   OTR   1,725 0 0
UNITEDHEALTH GROUP INC COM 91324P102   231,569 490 SH   OTR   490 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201   727,256 15,650 SH   SOLE   15,650 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827   5,293,949 69,211 SH   SOLE   69,211 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819   947,739 12,350 SH   SOLE   12,350 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   99,377,301 1,346,029 SH   SOLE   1,302,709 0 43,319
VANGUARD INDEX FDS LARGE CAP ETF 922908637   10,346,589 55,386 SH   SOLE   55,386 0 0
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   8,540,186 63,699 SH   SOLE   59,569 0 4,130
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   709,314 1,886 SH   SOLE   1,760 0 126
VANGUARD INDEX FDS TOTAL STK MKT 922908769   556,173 2,725 SH   SOLE   2,725 0 0
VANGUARD INDEX FDS VALUE ETF 922908744   771,759 5,588 SH   SOLE   5,588 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629   3,779,538 17,919 SH   SOLE   17,919 0 0
VANGUARD INDEX FDS SM CP VAL ETF 922908611   1,026,383 6,465 SH   SOLE   6,465 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   305,089 3,674 SH   SOLE   3,674 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751   2,609,718 13,767 SH   SOLE   12,367 0 1,400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   24,401,828 604,006 SH   SOLE   566,837 0 37,169
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676   414,788 10,224 SH   SOLE   5,259 0 4,965
VANGUARD INTL EQUITY INDEX F TT WRLD ST ETF 922042742   202,598 2,200 SH   SOLE   2,200 0 0
VANGUARD MALVERN FDS STRM INFPROIDX 922020805   82,574,882 1,726,785 SH   SOLE   1,675,733 0 51,052
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   4,172,358 82,360 SH   SOLE   82,360 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   3,792,747 20,355 SH   SOLE   20,355 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000GRW 92206C680   584,877 9,300 SH   SOLE   9,300 0 0
VANGUARD SCOTTSDALE FDS INT-TERM CORP 92206C870   1,362,136 16,980 SH   SOLE   16,980 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102   740,882 12,656 SH   SOLE   12,656 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409   34,444,124 451,845 SH   SOLE   434,828 0 17,017
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   46,307,024 1,025,172 SH   SOLE   938,081 0 87,091
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406   1,021,768 9,685 SH   SOLE   9,685 0 0
VERIZON COMMUNICATIONS INC COM 92343V104   358,527 9,219 SH   OTR   9,219 0 0
VISA INC COM CL A 92826C839   453,851 2,013 SH   OTR   2,013 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527   621,086 12,355 SH   SOLE   12,355 0 0