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
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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
ISHARES TR MSCI EMG MKT ETF 464287234   508,766 12,385 SH   SOLE   0 0 12,385
ELI LILLY & CO COM 532457108   487,781 627 SH   SOLE   0 0 627
ISHARES TR RUS 1000 GRW ETF 464287614   231,468 687 SH   SOLE   0 0 687
INTEL CORP COM 458140100   275,071 6,228 SH   SOLE   0 0 6,228
ISHARES TR IBONDS DEC 2032 46436E312   258,198 10,407 SH   SOLE   0 0 10,407
STARBUCKS CORP COM 855244109   337,595 3,694 SH   SOLE   0 0 3,694
EXXON MOBIL CORP COM 30231G102   244,220 2,101 SH   SOLE   0 0 2,101
PITNEY BOWES INC COM 724479100   146,970 33,942 SH   SOLE   0 0 33,942
ALPHABET INC CAP STK CL C 02079K107   316,092 2,076 SH   SOLE   0 0 2,076
MICROSOFT CORP COM 594918104   3,760,566 8,938 SH   SOLE   0 0 8,938
ISHARES TR GLOBAL REIT ETF 46434V647   10,448,712 441,246 SH   SOLE   0 0 441,246
ISHARES TR IBONDS DEC 26 46435U259   253,500 10,000 SH   SOLE   0 0 10,000
ISHARES TR CORE S&P500 ETF 464287200   13,094,131 24,907 SH   SOLE   0 0 24,907
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   7,981,659 162,262 SH   SOLE   0 0 162,262
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508   670,262 8,231 SH   SOLE   0 0 8,231
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   574,851 1,367 SH   SOLE   0 0 1,367
ALIBABA GROUP HLDG LTD SPONSORED ADS 01609W102   279,165 3,858 SH   SOLE   0 0 3,858
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   5,975,480 118,092 SH   SOLE   0 0 118,092
HONEYWELL INTL INC COM 438516106   230,849 1,125 SH   SOLE   0 0 1,125
ISHARES TR IBONDS 27 ETF 46435UAA9   255,350 10,729 SH   SOLE   0 0 10,729
SCHWAB STRATEGIC TR EMRG MKTEQ ETF 808524706   30,173,248 1,194,980 SH   SOLE   0 0 1,194,980
CONSTELLATION BRANDS INC CL A 21036P108   571,450 2,103 SH   SOLE   0 0 2,103
SOFI TECHNOLOGIES INC COM 83406F102   101,288 13,875 SH   SOLE   0 0 13,875
VANGUARD INTL EQUITY INDEX F FTSE EUROPE ETF 922042874   18,606,373 276,305 SH   SOLE   0 0 276,305
CHEVRON CORP NEW COM 166764100   1,012,182 6,417 SH   SOLE   0 0 6,417
MERCK & CO INC COM 58933Y105   390,044 2,956 SH   SOLE   0 0 2,956
STRYKER CORPORATION COM 863667101   353,576 988 SH   SOLE   0 0 988
AMAZON COM INC COM 023135106   2,429,177 13,467 SH   SOLE   0 0 13,467
JPMORGAN CHASE & CO COM 46625H100   584,958 2,920 SH   SOLE   0 0 2,920
AMERICAN CENTY ETF TR INTL EQT ETF 025072703   257,731 4,043 SH   SOLE   0 0 4,043
VINTAGE WINE ESTATES INC COM 92747V106   3,600 10,000 SH   SOLE   0 0 10,000
TESLA INC COM 88160R101   333,298 1,896 SH   SOLE   0 0 1,896
INVESCO QQQ TR UNIT SER 1 46090E103   534,367 1,204 SH   SOLE   0 0 1,204
GRAYSCALE BITCOIN TR BTC SHS REP COM UT 389637109   641,491 10,155 SH   SOLE   0 0 10,155
SERVICENOW INC COM 81762P102   264,553 347 SH   SOLE   0 0 347
COSTCO WHSL CORP NEW COM 22160K105   201,473 275 SH   SOLE   0 0 275
J P MORGAN EXCHANGE TRADED F CORE PLUS BD ETF 46641Q670   9,449,761 202,589 SH   SOLE   0 0 202,589
GANNETT CO INC COM 36472T109   64,343 26,370 SH   SOLE   0 0 26,370
UNITEDHEALTH GROUP INC COM 91324P102   438,166 886 SH   SOLE   0 0 886
NVIDIA CORPORATION COM 67066G104   4,534,974 5,019 SH   SOLE   0 0 5,019
COCA COLA CO COM 191216100   453,009 7,405 SH   SOLE   0 0 7,405
PAYCHEX INC COM 704326107   9,020,028 73,453 SH   SOLE   0 0 73,453
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   2,670,979 58,065 SH   SOLE   0 0 58,065
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,210,887 6,631 SH   SOLE   0 0 6,631
VISA INC COM CL A 92826C839   363,362 1,302 SH   SOLE   0 0 1,302
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   281,466 3,255 SH   SOLE   0 0 3,255
ORACLE CORP COM 68389X105   249,218 1,984 SH   SOLE   0 0 1,984
DISNEY WALT CO COM 254687106   342,293 2,797 SH   SOLE   0 0 2,797
SCHWAB STRATEGIC TR US SML CAP ETF 808524607   1,605,685 32,609 SH   SOLE   0 0 32,609
ABBVIE INC COM 00287Y109   610,678 3,354 SH   SOLE   0 0 3,354
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805   1,324,281 33,939 SH   SOLE   0 0 33,939
CORNING INC COM 219350105   237,675 7,211 SH   SOLE   0 0 7,211
BANK AMERICA CORP COM 060505104   329,353 8,685 SH   SOLE   0 0 8,685
PEPSICO INC COM 713448108   635,020 3,628 SH   SOLE   0 0 3,628
INNOVATIVE INDL PPTYS INC COM 45781V101   219,936 2,124 SH   SOLE   0 0 2,124
DIMENSIONAL ETF TRUST GLOBAL REAL EST 25434V658   2,126,021 83,275 SH   SOLE   0 0 83,275
JOHNSON & JOHNSON COM 478160104   531,278 3,358 SH   SOLE   0 0 3,358
ISHARES TR IBDS DEC28 ETF 46435U515   204,968 8,230 SH   SOLE   0 0 8,230
SCHWAB STRATEGIC TR US LCAP GR ETF 808524300   1,734,909 18,711 SH   SOLE   0 0 18,711
PROCTER AND GAMBLE CO COM 742718109   317,695 1,958 SH   SOLE   0 0 1,958
EASTMAN CHEM CO COM 277432100   284,884 2,843 SH   SOLE   0 0 2,843
THERMO FISHER SCIENTIFIC INC COM 883556102   201,680 347 SH   SOLE   0 0 347
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201   10,480,651 168,879 SH   SOLE   0 0 168,879
ISHARES TR RUSSELL 2000 ETF 464287655   803,970 3,823 SH   SOLE   0 0 3,823
META PLATFORMS INC CL A 30303M102   595,341 1,226 SH   SOLE   0 0 1,226
ISHARES TR IBONDS DEC2026 46435GAA0   303,038 12,706 SH   SOLE   0 0 12,706
ABBOTT LABS COM 002824100   480,668 4,229 SH   SOLE   0 0 4,229
ALPHABET INC CAP STK CL A 02079K305   468,034 3,101 SH   SOLE   0 0 3,101
AMERICAN CENTY ETF TR US EQT ETF 025072885   1,051,777 11,752 SH   SOLE   0 0 11,752
GRAHAM CORP COM 384556106   414,520 15,195 SH   SOLE   0 0 15,195
VANGUARD ADMIRAL FDS INC 500 GRTH IDX F 921932505   274,752 902 SH   SOLE   0 0 902
ISHARES TR DOW JONES US ETF 464287846   294,234 2,297 SH   SOLE   0 0 2,297
QUALCOMM INC COM 747525103   249,555 1,474 SH   SOLE   0 0 1,474
SPDR S&P 500 ETF TR TR UNIT 78462F103   2,405,118 4,598 SH   SOLE   0 0 4,598
BROADSTONE NET LEASE INC COM 11135E203   1,340,416 85,540 SH   SOLE   0 0 85,540
UNION PAC CORP COM 907818108   231,912 943 SH   SOLE   0 0 943
B & G FOODS INC NEW COM 05508R106   745,385 65,156 SH   SOLE   0 0 65,156
ISHARES TR MSCI EAFE ETF 464287465   326,120 4,084 SH   SOLE   0 0 4,084
APPLE INC COM 037833100   5,184,823 30,236 SH   SOLE   0 0 30,236
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   2,993,540 6,227 SH   SOLE   0 0 6,227
CATERPILLAR INC COM 149123101   586,751 1,601 SH   SOLE   0 0 1,601
INTERNATIONAL BUSINESS MACHS COM 459200101   552,884 2,895 SH   SOLE   0 0 2,895