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 (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
ABBOTT LABS COM 002824100 255 2,344 SH   OTR   2,344 0 0
ALLSTATE CORP COM 020002101 558 4,402 SH   OTR   4,402 0 0
ALPHABET INC CAP STK CL A 02079K305 325 149 SH   OTR   149 0 0
ALPHABET INC CAP STK CL C 02079K107 267 122 SH   OTR   122 0 0
AMAZON COM INC COM 023135106 476 4,480 SH   OTR   4,480 0 0
APPLE INC COM 037833100 2,325 17,005 SH   OTR   15,978 0 1,027
AUTOMATIC DATA PROCESSING IN COM 053015103 274 1,304 SH   OTR   1,304 0 0
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 2,130 7,802 SH   OTR   7,802 0 0
BROADSTONE NET LEASE INC COM 097023105 3,819 186,220 SH   OTR   186,220 0 0
CHEMUNG FINL CORP COM 164024101 417 8,870 SH   OTR   8,870 0 0
CONSTELLATION BRANDS INC CL A 21036P108 340 1,461 SH   OTR   1,461 0 0
DIMENSIONAL ETF TRUST EMERGING MKTS VA 25434V740 527 22,584 SH   OTR   22,529 0 55
DISNEY WALT CO COM 254687106 214 2,263 SH   OTR   2,263 0 0
EXXON MOBIL CORP COM 30231G102 1,240 14,482 SH   OTR   14,482 0 0
GLOBAL X FDS S&P EX US ETF 37954Y368 307 12,540 SH   SOLE   12,540 0 0
GLOBAL X FDS S&P 500 CATHOLIC 37954Y889 978 21,303 SH   SOLE   21,303 0 0
INTEL CORP COM 458140100 282 7,537 SH   OTR   7,537 0 0
INVESCO EXCHANGE TRADED FD T S&P500 PUR VAL 46137V258 613 8,168 SH   SOLE   8,168 0 0
ISHARES GOLD TR ISHARES NEW 464285204 719 20,947 SH   SOLE   20,947 0 0
ISHARES INC ESG AWR MSCI EM 46434G863 5,066 156,806 SH   SOLE   149,106 0 7,700
ISHARES INC MSCI EMRG CHN 46434G764 525 11,000 SH   SOLE   0 0 11,000
ISHARES INC CORE MSCI EMKT 46434G103 128,968 2,628,788 SH   SOLE   2,554,881 0 73,907
ISHARES TR CORE MSCI EAFE 46432F842 272,975 4,638,493 SH   SOLE   4,497,982 0 140,511
ISHARES TR FLTG RATE NT ETF 46429B655 5,904 118,266 SH   SOLE   111,471 0 6,795
ISHARES TR 0-5 YR TIPS ETF 46429B747 10,887 107,332 SH   SOLE   105,485 0 1,847
ISHARES TR IBONDS DEC23 ETF 46434VAX8 2,482 98,920 SH   SOLE   98,920 0 0
ISHARES TR IBONDS DEC24 ETF 46434VBG4 2,475 99,990 SH   SOLE   99,990 0 0
ISHARES TR IBONDS MAR23 ETF 46432FAZ0 1,197 45,205 SH   SOLE   45,205 0 0
ISHARES TR 0-5YR HI YL CP 46434V407 9,001 221,965 SH   SOLE   221,965 0 0
ISHARES TR ESG AWARE MSCI 46435U663 4,628 146,911 SH   SOLE   144,161 0 2,750
ISHARES TR ESG AWR US AGRGT 46435U549 23,946 489,285 SH   SOLE   468,980 0 20,305
ISHARES TR ESG AW MSCI EAFE 46435G516 9,093 144,893 SH   SOLE   139,333 0 5,560
ISHARES TR CORE MSCI INTL 46435G326 475 8,843 SH   SOLE   8,843 0 0
ISHARES TR IBONDS DEC2023 46435G318 1,198 46,985 SH   SOLE   46,985 0 0
ISHARES TR ESG AWR MSCI USA 46435G425 33,885 403,879 SH   SOLE   396,344 0 7,535
ISHARES TR ESG AWRE 1 5 YR 46435G243 6,882 285,675 SH   SOLE   280,550 0 5,125
ISHARES TR SHORT TREAS BD 464288679 1,200 10,900 SH   SOLE   10,900 0 0
ISHARES TR ISHS 1-5YR INVS 464288646 1,229 24,306 SH   SOLE   23,975 0 331
ISHARES TR MBS ETF 464288588 3,522 36,125 SH   SOLE   36,125 0 0
ISHARES TR 3 7 YR TREAS BD 464288661 3,240 27,150 SH   SOLE   27,150 0 0
ISHARES TR NATIONAL MUN ETF 464288414 4,166 39,173 SH   SOLE   38,590 0 583
ISHARES TR JPMORGAN USD EMG 464288281 613 7,180 SH   SOLE   7,180 0 0
ISHARES TR EAFE SML CP ETF 464288273 8,819 161,542 SH   SOLE   155,243 0 6,299
ISHARES TR NEW YORK MUN ETF 464288323 7,602 144,518 SH   SOLE   127,703 0 16,815
ISHARES TR SHRT NAT MUN ETF 464288158 7,880 75,284 SH   SOLE   72,922 0 2,362
ISHARES TR MICRO-CAP ETF 464288869 13,312 128,048 SH   SOLE   120,226 0 7,822
ISHARES TR EAFE VALUE ETF 464288877 68,609 1,580,858 SH   SOLE   1,513,028 0 67,830
ISHARES TR CORE US AGGBD ET 464287226 5,267 51,798 SH   SOLE   50,523 0 1,275
ISHARES TR TIPS BD ETF 464287176 10,566 92,760 SH   SOLE   83,698 0 9,062
ISHARES TR MSCI EAFE ETF 464287465 3,800 60,802 SH   SOLE   60,097 0 705
ISHARES TR 1 3 YR TREAS BD 464287457 1,034 12,490 SH   SOLE   12,490 0 0
ISHARES TR IBOXX INV CP ETF 464287242 583 5,300 SH   SOLE   5,300 0 0
ISHARES TR RUS 2000 GRW ETF 464287648 619 3,000 SH   SOLE   3,000 0 0
ISHARES TR RUS MID CAP ETF 464287499 420 6,500 SH   SOLE   6,500 0 0
ISHARES TR RUS MD CP GR ETF 464287481 1,133 14,300 SH   SOLE   14,300 0 0
ISHARES TR RUS MDCP VAL ETF 464287473 512 5,040 SH   SOLE   5,040 0 0
ISHARES TR CORE S&P MCP ETF 464287507 235,436 1,040,693 SH   SOLE   1,004,630 0 36,063
ISHARES TR S&P MC 400VL ETF 464287705 29,020 307,380 SH   SOLE   294,277 0 13,103
ISHARES TR S&P MC 400GR ETF 464287606 1,603 25,152 SH   SOLE   25,152 0 0
ISHARES TR CORE S&P SCP ETF 464287804 197,176 2,133,711 SH   SOLE   2,065,154 0 68,557
ISHARES TR SP SMCP600VL ETF 464287879 1,345 15,107 SH   SOLE   15,107 0 0
ISHARES TR S&P SML 600 GWT 464287887 1,344 12,765 SH   SOLE   12,765 0 0
ISHARES TR S&P 500 VAL ETF 464287408 18,398 133,842 SH   SOLE   122,815 0 11,027
ISHARES TR CORE S&P500 ETF 464287200 595,804 1,571,420 SH   SOLE   1,513,852 0 57,568
ISHARES TR S&P 500 GRWT ETF 464287309 1,426 23,635 SH   SOLE   23,635 0 0
ISHARES TR RUS 1000 ETF 464287622 329 1,585 SH   SOLE   1,585 0 0
ISHARES TR RUS 1000 GRW ETF 464287614 3,892 17,798 SH   SOLE   17,798 0 0
ISHARES TR RUSSELL 2000 ETF 464287655 1,200 7,087 SH   SOLE   7,087 0 0
ISHARES TR RUS 2000 VAL ETF 464287630 460 3,375 SH   SOLE   3,375 0 0
ISHARES TR RUSSELL 3000 ETF 464287689 435 2,000 SH   SOLE   2,000 0 0
ISHARES TR CORE S&P US GWT 464287671 212 2,530 SH   SOLE   2,530 0 0
J P MORGAN EXCHANGE TRADED F US VALUE FACTR 46641Q753 308 9,600 SH   SOLE   800 0 8,800
JOHNSON & JOHNSON COM 478160104 985 5,548 SH   OTR   5,548 0 0
JPMORGAN CHASE & CO COM 46625H100 914 8,118 SH   OTR   8,118 0 0
LOWES COS INC COM 548661107 1,090 6,240 SH   OTR   6,240 0 0
MCDONALDS CORP COM 580135101 243 986 SH   OTR   986 0 0
MICROCHIP TECHNOLOGY INC. COM 595017104 279 4,809 SH   OTR   4,809 0 0
MICROSOFT CORP COM 594918104 2,579 10,042 SH   OTR   10,042 0 0
ORACLE CORP COM 68389X105 344 4,923 SH   OTR   4,923 0 0
PAYCHEX INC COM 704326107 8,682 76,242 SH   OTR   76,242 0 0
PEPSICO INC COM 713448108 545 3,269 SH   OTR   3,269 0 0
PFIZER INC COM 717081103 211 4,016 SH   OTR   4,016 0 0
PIMCO ETF TR 1-5 US TIP IDX 72201R205 2,059 39,370 SH   SOLE   39,370 0 0
PROCTER AND GAMBLE CO COM 742718109 310 2,159 SH   OTR   2,159 0 0
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 1,289 40,990 SH   SOLE   40,615 0 375
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 3,644 81,595 SH   SOLE   79,006 0 2,589
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 318 8,145 SH   SOLE   7,601 0 544
SCHWAB STRATEGIC TR US LCAP VA ETF 808524409 582 9,324 SH   SOLE   9,191 0 133
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 426 13,648 SH   SOLE   13,465 0 183
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706 566 22,296 SH   SOLE   22,296 0 0
SCHWAB STRATEGIC TR SHT TM US TRES 808524862 76,730 1,559,865 SH   SOLE   1,533,426 0 26,439
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854 751 14,550 SH   SOLE   14,550 0 0
SCHWAB STRATEGIC TR US TIPS ETF 808524870 111,844 2,004,367 SH   SOLE   1,952,968 0 51,399
SCHWAB STRATEGIC TR SCHWB FDT EMK LG 808524730 531 20,490 SH   SOLE   20,017 0 473
SCHWAB STRATEGIC TR SCHWB FDT INT LG 808524755 688 24,298 SH   SOLE   22,698 0 1,600
SCHWAB STRATEGIC TR US REIT ETF 808524847 1,259 59,708 SH   SOLE   29,308 0 30,400
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,102 17,569 SH   SOLE   17,349 0 220
SCHWAB STRATEGIC TR US AGGREGATE B 808524839 2,367 49,446 SH   SOLE   49,136 0 310
SELECT SECTOR SPDR TR TECHNOLOGY 81369Y803 302 2,379 SH   SOLE   2,379 0 0
SHERWIN WILLIAMS CO COM 824348106 269 1,200 SH   OTR   1,200 0 0
SPDR DOW JONES INDL AVERAGE UT SER 1 78467X109 322 1,045 SH   SOLE   1,045 0 0
SPDR GOLD TR GOLD SHS 78463V107 298 1,770 SH   SOLE   1,770 0 0
SPDR INDEX SHS FDS S&P EMKTSC ETF 78463X756 1,193 24,528 SH   SOLE   24,528 0 0
SPDR INDEX SHS FDS S&P INTL SMLCP 78463X871 1,076 37,205 SH   SOLE   36,705 0 500
SPDR S&P 500 ETF TR TR UNIT 78462F103 99,116 262,732 SH   SOLE   258,043 0 4,689
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 717 1,733 SH   SOLE   1,733 0 0
SPDR SER TR DJ REIT ETF 78464A607 927 9,750 SH   SOLE   9,750 0 0
SPDR SER TR PRTFLO S&P500 VL 78464A508 115,270 3,130,628 SH   SOLE   3,033,489 0 97,139
SPDR SER TR S&P 400 MDCP VAL 78464A839 40,782 674,085 SH   SOLE   650,715 0 23,370
SPDR SER TR NUVEEN BLMBRG MU 78468R721 1,013 22,088 SH   SOLE   18,768 0 3,320
SPDR SER TR PORTFLI TIPS ETF 78464A656 1,010 36,684 SH   SOLE   35,904 0 780
SPDR SER TR PORTFOLIO S&P500 78464A854 1,701 38,356 SH   SOLE   25,941 0 12,415
SPDR SER TR PORTFOLIO AGRGTE 78464A649 251 9,508 SH   SOLE   9,508 0 0
SPDR SER TR PORT MTG BK ETF 78464A383 1,440 63,000 SH   SOLE   63,000 0 0
SPDR SER TR BLOOMBERG INVT 78468R200 32,340 1,074,061 SH   SOLE   1,058,460 0 15,601
SPDR SER TR SPDR S&P 500 ETF 78468R796 942 10,215 SH   SOLE   900 0 9,315
THERMO FISHER SCIENTIFIC INC COM 883556102 235 433 SH   OTR   433 0 0
TOMPKINS FINL CORP COM 890110109 274 3,796 SH   OTR   3,796 0 0
TRANE TECHNOLOGIES PLC SHS G8994E103 224 1,725 SH   OTR   1,725 0 0
UNITEDHEALTH GROUP INC COM 91324P102 234 455 SH   OTR   455 0 0
VANECK ETF TRUST INTRMDT MUNI ETF 92189H201 742 16,250 SH   SOLE   16,250 0 0
VANGUARD BD INDEX FDS SHORT TRM BOND 921937827 3,430 44,662 SH   SOLE   44,662 0 0
VANGUARD BD INDEX FDS INTERMED TERM 921937819 516 6,645 SH   SOLE   6,645 0 0
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835 80,671 1,071,898 SH   SOLE   1,041,245 0 30,653
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512 8,534 65,889 SH   SOLE   61,116 0 4,773
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363 354 1,020 SH   SOLE   915 0 105
VANGUARD INDEX FDS TOTAL STK MKT 922908769 523 2,772 SH   SOLE   2,772 0 0
VANGUARD INDEX FDS LARGE CAP ETF 922908637 10,863 63,031 SH   SOLE   63,031 0 0
VANGUARD INDEX FDS MID CAP ETF 922908629 3,204 16,267 SH   SOLE   16,267 0 0
VANGUARD INDEX FDS REAL ESTATE ETF 922908553 305 3,353 SH   SOLE   3,353 0 0
VANGUARD INDEX FDS SMALL CP ETF 922908751 2,039 11,576 SH   SOLE   10,176 0 1,400
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858 17,683 424,551 SH   SOLE   391,115 0 33,436
VANGUARD INTL EQUITY INDEX F GLB EX US ETF 922042676 603 13,615 SH   SOLE   5,815 0 7,800
VANGUARD MALVERN FDS STRM INFPROIDX 922020805 82,443 1,644,913 SH   SOLE   1,596,466 0 48,447
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746 5,177 103,715 SH   SOLE   103,715 0 0
VANGUARD SCOTTSDALE FDS SHORT TERM TREAS 92206C102 631 10,725 SH   SOLE   10,725 0 0
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730 1,581 9,200 SH   SOLE   9,200 0 0
VANGUARD SCOTTSDALE FDS SHRT TRM CORP BD 92206C409 40,421 530,041 SH   SOLE   512,287 0 17,754
VANGUARD TAX-MANAGED INTL FD VAN FTSE DEV MKT 921943858 39,211 961,057 SH   SOLE   875,470 0 85,587
VANGUARD WHITEHALL FDS HIGH DIV YLD 921946406 276 2,709 SH   SOLE   2,709 0 0
VISA INC COM CL A 92826C839 319 1,621 SH   OTR   1,621 0 0
WISDOMTREE TR FLOATNG RAT TREA 97717Y527 604 11,995 SH   SOLE   11,995 0 0