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
ALPHABET INC CAP STK CL A 02079K305   271,747 1,542 SH   SOLE   0 0 1,542
ALPHABET INC CAP STK CL C 02079K107   1,119,528 6,311 SH   SOLE   0 0 6,311
AMAZON COM INC COM 023135106   308,802 1,408 SH   SOLE   0 0 1,408
ANALOG DEVICES INC COM 032654105   251,364 1,056 SH   SOLE   0 0 1,056
APPLE INC COM 037833100   776,862 3,786 SH   SOLE   0 0 3,786
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702   417,612 860 SH   SOLE   0 0 860
BROADCOM INC COM 11135F101   399,693 1,450 SH   SOLE   0 0 1,450
CENCORA INC COM 03073E105   220,989 737 SH   SOLE   0 0 737
DIMENSIONAL ETF TRUST US CORE EQT MKT 25434V104   32,779,206 773,824 SH   SOLE   0 0 773,824
DIMENSIONAL ETF TRUST INTL CORE EQT MK 25434V203   11,649,639 336,987 SH   SOLE   0 0 336,987
DIMENSIONAL ETF TRUST EMGR CRE EQT MNG 25434V302   4,234,545 146,271 SH   SOLE   0 0 146,271
DIMENSIONAL ETF TRUST US CORE EQUITY 2 25434V708   3,734,385 104,196 SH   SOLE   0 0 104,196
DIMENSIONAL ETF TRUST INFLATION PROTE 25434V856   428,553 10,250 SH   SOLE   0 0 10,250
DIMENSIONAL ETF TRUST CORE FIXED INCOM 25434V872   11,591,876 274,299 SH   SOLE   0 0 274,299
DIMENSIONAL ETF TRUST NATL MUN BD ETF 25434V849   1,699,749 35,837 SH   SOLE   0 0 35,837
DIMENSIONAL ETF TRUST US REAL ESTATE E 25434V823   1,830,936 78,045 SH   SOLE   0 0 78,045
DIMENSIONAL ETF TRUST US CORE EQUITY 1 25434V625   1,546,174 23,129 SH   SOLE   0 0 23,129
DIMENSIONAL ETF TRUST GLOBAL EX US COR 25434V575   1,250,438 23,434 SH   SOLE   0 0 23,434
EXXON MOBIL CORP COM 30231G102   203,013 1,883 SH   SOLE   0 0 1,883
FIRST TR EXCH TRADED FD III PFD SECS INC ETF 33739E108   872,592 49,022 SH   SOLE   0 0 49,022
GLOBAL X FDS S&P 500 COVERED 37954Y475   465,099 11,944 SH   SOLE   0 0 11,944
GLOBAL X FDS NASDAQ 100 COVER 37954Y483   1,848,513 110,557 SH   SOLE   0 0 110,557
GLOBAL X FDS US PFD ETF 37954Y657   2,447,448 129,976 SH   SOLE   0 0 129,976
GOLDMAN SACHS ETF TR ACCESS INVT GR 381430479   756,247 16,433 SH   SOLE   0 0 16,433
HOME DEPOT INC COM 437076102   321,925 878 SH   SOLE   0 0 878
INVESCO EXCH TRADED FD TR II NY AMT FRE MUN 46138E529   1,319,456 60,973 SH   SOLE   0 0 60,973
INVESCO QQQ TR UNIT SER 1 46090E103   291,818 529 SH   SOLE   0 0 529
ISHARES TR RUS 1000 ETF 464287622   1,109,375 3,267 SH   SOLE   0 0 3,267
ISHARES TR MSCI EMG MKT ETF 464287234   229,719 4,762 SH   SOLE   0 0 4,762
ISHARES TR CORE US AGGBD ET 464287226   336,387 3,391 SH   SOLE   0 0 3,391
ISHARES TR TIPS BD ETF 464287176   797,680 7,249 SH   SOLE   0 0 7,249
ISHARES TR NATIONAL MUN ETF 464288414   1,121,802 10,737 SH   SOLE   0 0 10,737
ISHARES TR EAFE SML CP ETF 464288273   235,192 3,236 SH   SOLE   0 0 3,236
ISHARES TR NEW YORK MUN ETF 464288323   2,848,317 54,628 SH   SOLE   0 0 54,628
ISHARES TR IBOXX INV CP ETF 464287242   2,805,433 25,595 SH   SOLE   0 0 25,595
ISHARES TR CORE HIGH DV ETF 46429B663   294,214 2,511 SH   SOLE   0 0 2,511
ISHARES TR CORE MSCI TOTAL 46432F834   1,083,654 14,017 SH   SOLE   0 0 14,017
ISHARES TR CORE INTL AGGR 46435G672   1,024,661 20,056 SH   SOLE   0 0 20,056
ISHARES TR CORE DIV GRWTH 46434V621   257,167 4,022 SH   SOLE   0 0 4,022
ISHARES TR 0-3 MNTH TREASRY 46436E718   365,706 3,632 SH   SOLE   0 0 3,632
ISHARES TR ESG AWR MSCI USA 46435G425   267,082 1,974 SH   SOLE   0 0 1,974
ISHARES U S ETF TR GSCI CMDTY STGY 46431W853   1,729,003 66,886 SH   SOLE   0 0 66,886
J P MORGAN EXCHANGE TRADED F EQUITY PREMIUM 46641Q332   1,616,985 28,443 SH   SOLE   0 0 28,443
JPMORGAN CHASE & CO. COM 46625H100   223,521 771 SH   SOLE   0 0 771
M & T BK CORP COM 55261F104   317,234 1,635 SH   SOLE   0 0 1,635
MCDONALDS CORP COM 580135101   1,163,442 3,982 SH   SOLE   0 0 3,982
META PLATFORMS INC CL A 30303M102   309,347 419 SH   SOLE   0 0 419
MICROSOFT CORP COM 594918104   876,655 1,762 SH   SOLE   0 0 1,762
NBT BANCORP INC COM 628778102   801,611 19,293 SH   SOLE   0 0 19,293
SCHWAB STRATEGIC TR INT-TRM U.S TRES 808524854   363,386 14,518 SH   SOLE   0 0 14,518
SCHWAB STRATEGIC TR US AGGREGATE B 808524839   350,171 15,068 SH   SOLE   0 0 15,068
SCHWAB STRATEGIC TR US DIVIDEND EQ 808524797   1,582,527 59,718 SH   SOLE   0 0 59,718
SPDR SERIES TRUST PORTFLI HIGH YLD 78468R606   815,364 34,259 SH   SOLE   0 0 34,259
SPDR SERIES TRUST PORTFLI TIPS ETF 78464A656   2,516,691 96,573 SH   SOLE   0 0 96,573
SPDR SERIES TRUST PRTFLO S&P500 VL 78464A508   206,743 3,950 SH   SOLE   0 0 3,950
SSGA ACTIVE TR SPDR DBLELN EMRG 78470P309   1,106,928 25,640 SH   SOLE   0 0 25,640
UNITED AIRLS HLDGS INC COM 910047109   498,484 6,260 SH   SOLE   0 0 6,260
UNITED RENTALS INC COM 911363109   263,690 350 SH   SOLE   0 0 350
VANGUARD BD INDEX FDS TOTAL BND MRKT 921937835   7,379,884 100,229 SH   SOLE   0 0 100,229
VANGUARD CHARLOTTE FDS TOTAL INT BD ETF 92203J407   3,639,335 73,507 SH   SOLE   0 0 73,507
VANGUARD INDEX FDS MCAP VL IDXVIP 922908512   360,167 2,190 SH   SOLE   0 0 2,190
VANGUARD INDEX FDS VALUE ETF 922908744   392,009 2,218 SH   SOLE   0 0 2,218
VANGUARD INDEX FDS REAL ESTATE ETF 922908553   3,912,703 43,933 SH   SOLE   0 0 43,933
VANGUARD INTL EQUITY INDEX F FTSE EMR MKT ETF 922042858   466,159 9,425 SH   SOLE   0 0 9,425
VANGUARD MUN BD FDS TAX EXEMPT BD 922907746   1,325,820 27,041 SH   SOLE   0 0 27,041
VANGUARD SCOTTSDALE FDS TOTAL CORP BND 92206C573   719,942 9,310 SH   SOLE   0 0 9,310
VANGUARD SCOTTSDALE FDS VNG RUS1000IDX 92206C730   6,676,362 23,771 SH   SOLE   0 0 23,771
VANGUARD SCOTTSDALE FDS VNG RUS2000VAL 92206C649   348,420 2,505 SH   SOLE   0 0 2,505
VANGUARD SPECIALIZED FUNDS DIV APP ETF 921908844   1,546,077 7,554 SH   SOLE   0 0 7,554
VANGUARD STAR FDS VG TL INTL STK F 921909768   392,846 5,686 SH   SOLE   0 0 5,686
VANGUARD TAX-MANAGED FDS VAN FTSE DEV MKT 921943858   2,594,297 45,506 SH   SOLE   0 0 45,506
VANGUARD WHITEHALL FDS INTL HIGH ETF 921946794   3,355,968 41,892 SH   SOLE   0 0 41,892
VANGUARD WHITEHALL FDS EM MK GOV BD ETF 921946885   718,915 11,001 SH   SOLE   0 0 11,001
WALMART INC COM 931142103   200,681 2,052 SH   SOLE   0 0 2,052