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
VANGUARD STAR FDS VG TL INTL STK F 921909768   570,466 9,530 SH   DFND 1,2 0 9,530 0
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   618,454 12,749 SH   DFND 1,2 0 12,749 0
VANGUARD INDEX FDS TOTAL STK MKT 922908769   2,089,921 8,341 SH   DFND 1,2 0 8,341 0
CALAMOS CONV & HIGH INCOME F COM SHS 12811P108   212,714 19,095 SH   SOLE   0 0 19,095
BLACKROCK ENHANCED EQUITY DI COM 09251A104   8,378,233 1,040,774 SH   SOLE   0 0 1,040,774
LISATA THERAPEUTICS INC COM 128058302   35,673 12,175 SH   SOLE   0 0 12,175
PEPSICO INC COM 713448108   202,469 1,154 SH   SOLE   0 0 1,154
IQVIA HLDGS INC COM 46266C105   213,477 961 SH   SOLE   0 0 961
ADVANCED MICRO DEVICES INC COM 007903107   229,033 1,567 SH   SOLE   0 0 1,567
BANK AMERICA CORP COM 060505104   231,016 6,264 SH   SOLE   0 0 6,264
DISNEY WALT CO COM 254687106   235,151 2,088 SH   SOLE   0 0 2,088
INTERNATIONAL BUSINESS MACHS COM 459200101   266,784 1,620 SH   SOLE   0 0 1,620
CATERPILLAR INC COM 149123101   271,371 809 SH   SOLE   0 0 809
ALPHABET INC CAP STK CL C 02079K107   274,927 1,632 SH   SOLE   0 0 1,632
VISA INC COM CL A 92826C839   283,667 1,060 SH   SOLE   0 0 1,060
BOEING CO COM 097023105   304,229 1,701 SH   SOLE   0 0 1,701
EXXON MOBIL CORP COM 30231G102   334,883 2,881 SH   SOLE   0 0 2,881
SIMULATIONS PLUS INC COM 829214105   355,446 7,608 SH   SOLE   0 0 7,608
NBT BANCORP INC COM 628778102   395,402 10,827 SH   SOLE   0 0 10,827
PROCTER AND GAMBLE CO COM 742718109   432,374 2,639 SH   SOLE   0 0 2,639
GSK PLC SPONSORED ADR 37733W204   447,459 10,322 SH   SOLE   0 0 10,322
JPMORGAN CHASE & CO COM 46625H100   632,095 3,298 SH   SOLE   0 0 3,298
AMAZON COM INC COM 023135106   723,179 3,915 SH   SOLE   0 0 3,915
ALPHABET INC CAP STK CL A 02079K305   931,239 5,589 SH   SOLE   0 0 5,589
JOHNSON & JOHNSON COM 478160104   1,145,539 7,641 SH   SOLE   0 0 7,641
APPLE INC COM 037833100   1,353,731 7,824 SH   SOLE   0 0 7,824
FIRST CTZNS BANCSHARES INC N CL A 31946M103   1,411,924 824 SH   SOLE   0 0 824
NVIDIA CORPORATION COM 67066G104   1,912,003 2,228 SH   SOLE   0 0 2,228
MICROSOFT CORP COM 594918104   2,910,200 7,315 SH   SOLE   0 0 7,315
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   211,190 4,883 SH   SOLE   0 0 4,883
INVESCO EXCH TRADED FD TR II SOLAR ETF 46138G706   251,224 6,055 SH   SOLE   0 0 6,055
SPDR SER TR PORTFLI INTRMDIT 78464A672   262,390 9,500 SH   SOLE   0 0 9,500
FIRST TR EXCHANGE-TRADED FD GBL WND ENRG ETF 33736G106   263,456 16,845 SH   SOLE   0 0 16,845
ISHARES TR HIGH YLD SYSTM B 46435G250   595,501 12,898 SH   SOLE   0 0 12,898
ISHARES TR ESG AWARE MSCI 46435U663   627,171 16,431 SH   SOLE   0 0 16,431
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   716,318 14,586 SH   SOLE   0 0 14,586
ISHARES TR EAFE GRWTH ETF 464288885   1,068,131 10,692 SH   SOLE   0 0 10,692
DIMENSIONAL ETF TRUST INTERNATIONAL 25434V690   1,103,604 33,667 SH   SOLE   0 0 33,667
DIMENSIONAL ETF TRUST EMERGING MARKETS 25434V682   1,139,552 34,386 SH   SOLE   0 0 34,386
ISHARES INC CORE MSCI EMKT 46434G103   1,753,201 33,098 SH   SOLE   0 0 33,098
ISHARES TR ESG AWR MSCI USA 46435G425   1,942,927 17,507 SH   SOLE   0 0 17,507
INVESCO ACTIVELY MANAGED ETF TOTAL RETURN 46090A804   2,273,813 49,560 SH   SOLE   0 0 49,560
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   8,932,130 511,284 SH   SOLE   0 0 511,284
VANGUARD INDEX FDS MID CAP ETF 922908629   9,513,764 39,700 SH   SOLE   0 0 39,700
ISHARES TR NATIONAL MUN ETF 464288414   10,495,492 98,679 SH   SOLE   0 0 98,679
DIMENSIONAL ETF TRUST US TARGETED VLU 25434V609   11,264,668 216,795 SH   SOLE   0 0 216,795
ISHARES TR MSCI INTL QUALTY 46434V456   14,161,830 370,341 SH   SOLE   0 0 370,341
ISHARES TR MSCI USA QLT FCT 46432F339   14,308,444 90,922 SH   SOLE   0 0 90,922
ISHARES TR US TREAS BD ETF 46429B267   17,548,540 789,408 SH   SOLE   0 0 789,408
VANGUARD INDEX FDS S&P 500 ETF SHS 922908363   34,309,660 73,908 SH   SOLE   0 0 73,908
WASTE MGMT INC DEL COM 94106L109   344,714 1,664 SH   SOLE   0 0 1,664
THERMO FISHER SCIENTIFIC INC COM 883556102   270,201 473 SH   SOLE   0 0 473
SPDR GOLD TR GOLD SHS 78463V107   398,766 1,871 SH   SOLE   0 0 1,871
NUSHARES ETF TR NUVEEN ESG MIDCP 67092P409   823,964 19,665 SH   SOLE   0 0 19,665
ERIE INDTY CO CL A 29530P102   4,291,696 11,149 SH   SOLE   0 0 11,149