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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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
Dimensional ETF (trust Emerging Markets Core Equity 2 Etf) ETF 25434V732   4,092 182,181 SH   SOLE   181,056 0 1,125
Dimensional ETF (trust US Small Cap Val) ETF 25434V815   494 19,943 SH   SOLE   19,940 0 3
Dimensional U S Core Equity 2 ETF ETF 25434V708   130,617 5,379,603 SH   SOLE   5,230,307 0 149,296
Dimensional World ex US Core Equity ETF ETF 25434V880   84,811 3,926,438 SH   SOLE   3,771,162 0 155,276
Dimensional ETF TR US Marketwide Value ETF ETF 25434V724   23,148 691,406 SH   SOLE   680,579 0 10,827
Dimensional U S Small Cap ETF ETF 25434V500   9,819 191,957 SH   SOLE   191,957 0 0
Dimensional U S Targeted Value ETF ETF 25434V609   18,535 421,721 SH   SOLE   358,352 0 63,369
Vanguard FTSE Developed Markets ETF ETF 921943858   564 13,441 SH   SOLE   13,441 0 0
Vanguard FTSE Emerging Markets ETF ETF 922042858   371 9,524 SH   SOLE   9,524 0 0
Vanguard REIT Index ETF ETF 922908553   2,569 31,153 SH   SOLE   30,123 0 1,030
Dimensional International Value ETF ETF 25434V807   6,090 200,337 SH   SOLE   196,181 0 4,156
iShares RS 2000 Value ETF 464287630   424 3,054 SH   SOLE   3,054 0 0
iShares Russell (1000 Growth Etf) ETF 464287614   1,867 8,713 SH   SOLE   8,713 0 0
iShares Russell 1000 Value ETF ETF 464287598   1,807 11,913 SH   SOLE   11,913 0 0
iShares Russell 2000 Growth ETF ETF 464287648   213 993 SH   SOLE   993 0 0
Invesco QQQ TR Unit (ser 1) ETF 46090E103   314 1,181 SH   SOLE   1,181 0 0
iShares Edge MSCI Min Vol USA ETF ETF 46429B697   333 4,621 SH   SOLE   4,621 0 0
iShares S&P 500 Growth ETF ETF 464287309   707 12,081 SH   SOLE   12,081 0 0
Star Gas Partners UNIT LTD PARTNR 85512C105   363 30,114 SH   SOLE   0 0 30,114
DFA International Small Cap Value ETF ETF 25434V781   7,135 321,267 SH   SOLE   320,017 0 1,250
Vanguard Small-Cap Value ETF ETF 922908611   4,833 30,432 SH   SOLE   28,353 0 2,079
Alphabet Inc Cap STK COM 02079K305   4,149 47,024 SH   SOLE   46,884 0 140
Alphabet Inc Cap STK CL C COM 02079K107   2,009 22,641 SH   SOLE   22,521 0 120
Amazon.Com COM 023135106   1,206 14,359 SH   SOLE   13,439 0 920
Apple COM 037833100   22,055 169,744 SH   SOLE   169,157 0 587
Chevron COM 166764100   2,111 11,761 SH   SOLE   11,761 0 0
Vanguard FTSE All-World ex-US ETF ETF 922042775   1,633 32,565 SH   SOLE   32,549 0 16
Vanguard Group DIV (app Etf) ETF 921908844   1,760 11,594 SH   SOLE   11,594 0 0
Invesco S&P 500 Equal Weight ETF ETF 46137V357   564 3,991 SH   SOLE   3,991 0 0
iShares Core S&P Mid-Cap ETF 464287507   259 1,070 SH   SOLE   1,070 0 0
Alnylam Pharmaceuticals COM 02043Q107   509 2,142 SH   SOLE   2,126 0 16
Berkshire Hathaway 'B' COM 084670702   530 1,716 SH   SOLE   1,185 0 531
Meta Platforms, Inc COM 30303M102   1,228 10,201 SH   SOLE   10,152 0 49
Coca Cola COM 191216100   804 12,640 SH   SOLE   12,640 0 0
Microsoft COM 594918104   786 3,278 SH   SOLE   3,013 0 265
Walt Disney COM 254687106   532 6,123 SH   SOLE   6,050 0 73
Abbvie Inc Com COM 00287Y109   557 3,449 SH   SOLE   3,409 0 40
Devon Energy Corp New Com COM 25179M103   288 4,679 SH   SOLE   4,637 0 42
Nucor COM 670346105   444 3,354 SH   SOLE   3,354 0 0
Nvidia COM 67066G104   918 6,283 SH   SOLE   6,140 0 143
Thermo Fisher Scientific COM 883556102   2,603 4,725 SH   SOLE   4,713 0 12
Sector SPDR TR SHS ETF 81369Y605   533 15,577 SH   SOLE   15,577 0 0
Charles Schwab COM 808513105   656 7,874 SH   SOLE   7,831 0 43
Industrial Select Sector SPDR Fund ETF ETF 81369Y704   293 2,984 SH   SOLE   2,984 0 0
Johnson & Johnson COM 478160104   701 3,967 SH   SOLE   3,903 0 64
Oracle COM 68389X105   233 2,853 SH   SOLE   2,853 0 0
Starbucks COM 855244109   268 2,704 SH   SOLE   2,661 0 43
Target COM 87612E106   451 3,024 SH   SOLE   3,008 0 16
Vanguard Total Market Index ETF ETF 922908769   5,904 30,881 SH   SOLE   30,811 0 70
iShares Core S&P 500 ETF 464287200   290 754 SH   SOLE   754 0 0
iShares S&P 500 ETF ETF 464287408   771 5,313 SH   SOLE   5,313 0 0
Vanguard S&P 500 Growth ETF ETF 921932505   412 1,955 SH   SOLE   1,955 0 0
iShares Nasdaq Biotechnology ETF ETF 464287556   553 4,210 SH   SOLE   4,210 0 0
Vanguard S&P 500 ETF ETF 922908363   1,158 3,296 SH   SOLE   3,296 0 0
Intuit Inc COM 461202103   2,069 5,316 SH   SOLE   5,307 0 9
Microchip Technology COM 595017104   562 8,000 SH   SOLE   8,000 0 0
Pfizer COM 717081103   803 15,665 SH   SOLE   13,819 0 1,846
SPDR Dow Jones Indl ETF 78467X109   1,076 3,241 SH   SOLE   3,241 0 0
Korn Ferry Intl. COM 500643200   341 6,717 SH   SOLE   6,717 0 0
International Bus.MCHS. COM 459200101   224 1,593 SH   SOLE   1,593 0 0
iShares Gold ETF ETF 464285204   294 8,500 SH   SOLE   8,500 0 0
iShares S&P Small Cap 600 ETF ETF 464287879   351 3,842 SH   SOLE   3,842 0 0
Schwab US Large Cap Value ETF ETF 808524409   1,184 17,928 SH   SOLE   17,928 0 0
SPDR S&P 500 ETF ETF 78462F103   720 1,875 SH   SOLE   1,875 0 0
FlexShares Mstar Glbl Upstrm Nat Res ETF ETF 33939L407   359 8,265 SH   SOLE   8,265 0 0
Tesla Motors COM 88160R101   267 2,166 SH   SOLE   306 0 1,860
Pathfinder Bancp Inc COM 70319R109   565 29,543 SH   SOLE   29,543 0 0
Schwab U.S. Broad Market ETF ETF 808524102   270 6,026 SH   SOLE   6,026 0 0
Exxon Mobil COM 30231G102   553 5,016 SH   SOLE   5,016 0 0
SPDR Index SHS FDS MSCI Acwi Ex-US ETF ETF 78463X848   1,195 49,665 SH   SOLE   49,665 0 0
Lions Gate Entertainment Corp Registered SHS -B- Non-Voting COM 535919500   58 10,698 SH   SOLE   10,698 0 0
Schwab International Equity ETF ETF 808524805   502 15,570 SH   SOLE   15,570 0 0
Phillips Edison & Co Inc COM 71844V201   212 6,638 SH   SOLE   6,638 0 0
iShares TR U.S. PFD ETF 464288687   994 32,556 SH   SOLE   32,556 0 0
Invesco S&P 500 Equal Weight Technology ETF ETF 46137V282   215 884 SH   SOLE   884 0 0
Abbott Laboratories COM 002824100   347 3,161 SH   SOLE   3,119 0 42
Eli Lilly COM 532457108   885 2,420 SH   SOLE   2,395 0 25
Illinois Tool Works COM 452308109   270 1,217 SH   SOLE   1,200 0 17
McDonalds COM 580135101   203 769 SH   SOLE   749 0 20
Nike 'B' COM 654106103   214 1,827 SH   SOLE   1,791 0 36
iShares 1-5 Year Investment Grade Corporate Bond ETF ETF 464288646   2,006 40,260 SH   SOLE   40,260 0 0
Cytodyn Inc Com COM 23283M101   5 24,000 SH   SOLE   24,000 0 0
Lockheed Martin Corp COM 539830109   910 1,870 SH   SOLE   1,870 0 0
iShares Russell 2000 ETF 464287655   237 1,357 SH   SOLE   1,357 0 0
Sunoco LP/Sunoco Fin COM UT REP LP 86765K109   292 6,780 SH   SOLE   6,780 0 0
SPDR S&P Midcap 400 ETF 78467Y107   371 835 SH   SOLE   835 0 0
iShares MSCI Europe Financials ETF ETF 464289180   420 23,948 SH   SOLE   23,948 0 0
Grom Social COM 39878L100   11 44,387 SH   SOLE   44,387 0 0
Nikola Corp COM 654110105   22 10,250 SH   SOLE   10,250 0 0
iShares S&P 100 ETF ETF 464287101   1,155 6,769 SH   SOLE   6,769 0 0
Archer Aviation Inc COM 03945R102   53 28,501 SH   SOLE   28,501 0 0
Proterra Inc Com COM 74374T109   979 259,651 SH   SOLE   259,651 0 0
ProShares Ultra Euro ETF 74347W874   170 15,105 SH   SOLE   0 0 15,105